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chunks/txt/b76b2a04d842c78f3eb9e3487d7077b7565ff824616c619bd0f46d19f7356bd4.txt

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+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+Form FNM 1073 FRE 465
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 97 of 211
+
+Document Version 1.4
+
+Form Section
+
+Form Field Label
+
+Data Point Name
+
+Data Point Definition
+
+XPath
+
+Data Point Field
+Length
+
+Format
+
+Implementation Notes
+
+Conditionality Description
+
+Data Field
+Conditionality
+1073/465
+
+Data Field
+Conditionality 1073
+Hybrid/465H
+
+Data Field
+Conditionality 1073
+Desktop/465D
+
+Sort ID
+
+Form
+Page
+
+Form
+Reference
+Number
+
+224
+
+225
+
+226
+
+227
+
+228
+
+2
+
+2
+
+2
+
+2
+
+2
+
+22
+
+23
+
+24
+
+25
+
+26
+
+PROJECT
+ANALYSIS
+
+PROJECT
+ANALYSIS
+
+PROJECT
+ANALYSIS
+
+PROJECT
+ANALYSIS
+
+Are there any other fees (other
+than regular HOA charges) for
+the use of the project facilities?
+If Yes, report the charges and
+describe.
+
+Compared to other competitive
+projects of similar quality and
+design, the subject unit charge
+appears
+High
+
+Compared to other competitive
+projects of similar quality and
+design, the subject unit charge
+appears
+Average
+
+Compared to other competitive
+projects of similar quality and
+design, the subject unit charge
+appears
+Low
+
+PROJECT
+ANALYSIS
+
+If High or Low, describe
+
+Are there any special or unusual
+characteristics of the project
+(based on the condominium
+documents, HOA meetings, or
+other information) known to the
+appraiser?
+Yes
+
+Are there any special or unusual
+characteristics of the project
+(based on the condominium
+documents, HOA meetings, or
+other information) known to the
+appraiser?
+No
+Are there any special or unusual
+characteristics of the project
+(based on the condominium
+documents, HOA meetings, or
+other information) known to the
+appraiser?
+If Yes, describe and explain the
+effect on value and
+marketability.

chunks/txt/b7816048349bc5ece9e61d93bbccb64837677c8d4f012446078242a580a59fd7.txt

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+Name
+Designation
+Company Name
+Company Address
+
+Scope of Inspection by Supervisory Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date
+
+H2
+
+Significant Real Property Appraisal Assistance
+
+TXR-I
+
+Name
+
+TXC-B
+
+Description
+
+2 COLUMN PAGE FORMAT
+
+HDR-R
+
+TXR-B
+
+Property Valuation Method
+
+CK1
+
+Was a Property Data Report used in lieu of an
+Inspection?
+
+Y/N
+
+Yes No
+ 
+
+STET
+
+“lieu” l.c.
+
+TXR-B
+
+TXR-B
+
+Appraiser Fee
+AMC Fee
+Government Agency
+Investor Requested Special Identification
+
+Credentials
+
+ID
+State
+Expires
+
+Credentials
+
+TX-B
+TXR-I
+
+TXR-I
+
+TX-B
+TXR-I
+
+Level
+ID
+State
+Expires
+
+TXR-I
+TXR-B
+
+TXR-B
+
+ASC Identifier
+VA Appraiser ID
+FHA Appraiser ID
+Employment Type
+
+Credentials
+
+TX-B
+TXR-I
+
+Level
+ID
+State
+Expires
+
+TXR-I
+TXR-B
+
+TXR-B
+
+ASC Identifier
+VA Appraiser ID
+FHA Appraiser ID
+Employment Type
+
+TX-B
+
+Credentials
+
+TXR-I
+TXR-I
+TXR-I
+TXR-I
+
+Level
+ID
+State
+Expires
+
+Property Data Report
+
+Name
+Occupation
+Company Name
+Company Address
+Reference ID
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date
+
+Assignment Information and Scope of Work Commentary
+
+Assignment Information Exhibits
+
+H2
+
+TXR-I
+
+TXR-I
+TXR-II
+TXR-II
+TXR-II
+
+H1
+TXC
+
+H1
+
+FTR-L
+
+FTR-R
+
+Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024
+
+HDR-L
+
+TAB
+
+Subject Property
+
+2 COLUMN PAGE FORMAT
+
+HDR-R
+
+TXR-B
+
+TXR-B
+
+Attachment Type
+Units Excluding ADUs
+Accessory Dwelling Units
+Dwellings Containing Units
+Special Tax Assessments
+
+TXC-B1
+
+Description of Special Tax Assessments and Impact to Value/
+Marketability

chunks/txt/b7a500f7e8ffa427c6ea2fcc82f3526df9a37b754388d51e2dd28a4d8e8ac09b.txt

@@ -0,0 +1,35 @@
+B. DEFINITION OF NAMESPACES
+
+Non-MISMO containers and data points (structures) can be used with standard MISMO v3.4 structures and will still validate
+against the mismo.xsd. This happens with the definition of “namespaces” (xmlns:namespace). A namespace is the name of a
+schema (.xsd) file defining the non-MISMO data points to be used in the same directory as the mismo.xsd files. Just like the
+mismo.xsds, non-MISMO .xsd files must be declared at the start of the XML document. XML files submitted to each GSE’s
+UCD collection solution must be added to the MISMO schema references declarations of both the “gse” and “ucd” EXTENSION
+schema files. There are two EXTENSION schemas used with UCD v2.0: gse.xsd and ucd.xsd.
+
+C. GSE.XSD
+
+Some UCD data requirements were identified after MISMO v3.3.0 was published. These data points were included in earlier
+versions of the UCD Spec using the EXTENSION/OTHER structure and require the prefix “gse:” in front of the container or data
+point name 3 . The gse: namespace must also be
+file header xmlns:gse=
+http://www.datamodelextension.org/Schema/gse (see Table 4). Each GSE’s UCD collection solution recognizes data points with the “gse:”
+prefix which allows them to pass MISMO v3.3.0 schema validation. However, the syntax of the data points is not validated. The following
+UCD data points are EXTENSIONs to MISMO v3.3:
+
+the UCD XML
+
+included
+
+in
+
+Table 72. gse: Namespace Data Points.
+
+UCD UID
+
+EXTENSION Data Point
+
+UCD Supported Enumeration
+
+MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LIABILITIES/LIABILITY/LIA
+BILITY_DETAIL/EXTENSION/OTHER

chunks/txt/b7a870bedc4cbda6e7e3231264b3cf8fd897626d669b136f868c229fec42f642.txt

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+Dwelling Exterior - [Structure Identifier]
+
+Subject Property Units in
+Structure
+Structure Design
+Floors in Building
+Dwelling Style
+Front Door Elevation
+Townhouse End Unit
+Townhouse Back to Back
+Units Above or Below
+Townhouse Location
+Year Built
+Construction Method
+Converted Area
+Converted Area and Similarity
+to Rest of Living Area
+Factory Built Certification
+Structure Volume
+Window Surface Area
+Attic
+Remaining Economic Life
+Effective Age
+
+Commentary on Remaining Economic Life
+
+Commentary on Effective Age
+
+Quality and Condition
+
+Exterior Quality Rating
+
+Exterior Condition Rating
+
+The table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report
+
+Exterior Features
+
+Feature
+Exterior Walls and Trim
+
+Foundation
+
+Roof
+
+Windows
+
+Detail
+
+Quality Comment
+
+Condition Status
+
+Condition Comment
+
+Noncontinuous Finished Area
+
+The table below depicts any finished area that is attached to the dwelling but separate and not directly accessible from any unit
+
+Finish
+Finished
+
+Total Area
+
+Room Summary
+
+Check #A
+
+Mechanical System Details
+
+System
+
+Detail
+
+Heating
+
+Cooling
+
+Core Heating System Below Grade
+
+Other Mechanical Systems
+
+Yes No
+ 
+
+Apparent Defects, Damages, Deficiencies (Dwelling Exterior - [Structure Identifier])
+
+The items listed below represent the As Is condition as of the effective date of this report
+
+Feature
+
+Location
+
+Description
+
+Affects Soundness or
+Structural Integrity
+
+Recommended
+Action
+
+Dwelling Exterior Commentary
+
+Dwelling Exterior Exhibits
+
+Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024

chunks/txt/b7ae8e4ef0137aff139cc3fb959f18af6e7e713b974f37640675e8caf98d6c49.txt

@@ -0,0 +1,81 @@
+18.3 Reg §1026.38 (l)(7)(i)(A)(2) pp. 80127, 80359, 80031-6
+
+18.4 Reg §1026.38(l)(7)(iii) pp. 80127, 80031-6
+
+18.5 Reg §1026.38(l)(7)(i)(A)(4) pp. 80127, 80359, 80031-6
+
+18.6 Reg §1026. 38(l)(7)(i)(B)(1) pp. 80127, 80359, 80031-6
+
+18.7 Reg §1026.38(l)(7)(i)(B)(2) pp. 80127, 80031-6
+
+Appendix E: UCD Implementation Guide
+
+Page 196 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+19.0 Adjustable Payment (AP) Table
+
+19.0 ADJUSTABLE PAYMENT (AP) TABLE
+
+The Adjustable Payments (AP) Table is included in the following Closing Disclosure variations:
+
+Table 129. Required Sections for each Closing Disclosure Variation -- UPDATED
+
+Form
+Field ID
+
+19.0
+
+Form Section Name
+
+Purchase Transactions Only
+
+Model Form
+
+Split-Borrower Only
+
+Non-Seller Transactions Only
+Alternate Form
+
+Adjustable Payment (AP)
+Table
+
+Loans with adjustable
+payments not based on
+rate
+
+Loans with adjustable
+payments not based
+on rate
+
+Loans with adjustable
+payments not based on
+rate
+
+The AP table is included in the Closing Disclosure only if the loan:
+
+1. Has terms that allow the principal and interest payment to change after consummation without a
+corresponding adjustment to the interest rate (for example, Interest-Only, Graduated Payment, or
+Payment Option loans).
+
+2.
+
+Is a seasonal payment product (a loan with terms expressly providing that payments are not scheduled
+between regular, specified periods).
+
+Adjustable Payment (AP) Table
+
+19.0 if yes:
+
+Interest Only Payments? 19.1 NO /YES
+
+19.1.1 For your first # payments
+
+Optional Payments?
+
+19.2 NO /YES
+
+19.2.1 For your first # payments

chunks/txt/b7bfa67e87e5d53e03b681cae63a9921dc54e5ae62c03067b341a9f269b9433a.txt

@@ -0,0 +1,149 @@
+1 10000001 3 1 3 1 1 1 2 4
+1 10000002 2 3 4 2 2 1 2 2
+1 10000003 2 2 4 2 2 1 2 5
+1 10000004 2 2 3 2 2 1 2 4
+1 10000005 2 3 2 2 2 1 2 4
+1 10000006 2 2 3 2 1 1 2 5
+1 10000007 3 3 4 1 2 1 2 5
+1 10000008 3 1 4 2 1 4 2 5
+1 10000009 3 1 3 2 2 1 2 5
+1 10000010 2 2 4 2 2 1 2 2
+1 10000011 3 3 4 2 1 1 2 5
+1 10000012 2 2 4 1 1 4 2 5
+1 10000013 3 1 3 2 1 1 2 5
+1 10000014 3 2 4 2 1 4 2 5
+1 10000015 3 1 3 2 1 4 2 3
+1 10000016 3 1 3 2 1 1 2 2
+1 10000017 3 1 4 2 2 4 2 5
+1 10000018 3 2 4 2 2 1 2 4
+1 10000019 3 1 3 2 1 1 2 4
+1 10000020 3 1 2 2 1 1 2 5
+1 10000021 3 2 4 2 3 1 2 5
+1 10000022 2 3 4 2 1 1 2 5
+1 10000023 3 3 4 1 1 1 2 5
+1 10000024 3 3 4 2 2 1 2 1
+1 10000025 3 1 2 2 1 1 2 5
+1 10000026 2 2 9 2 9 2 2 2
+1 10000027 2 2 9 2 9 2 2 3
+1 10000028 3 1 4 2 1 1 2 1
+1 10000029 2 2 4 2 2 4 2 4
+1 10000030 3 1 3 2 1 1 2 1
+1 10000031 3 1 3 2 2 1 2 5
+1 10000032 3 1 3 2 3 2 2 3
+1 10000033 2 2 3 2 1 2 2 5
+1 10000034 3 2 3 2 2 1 2 4
+1 10000035 2 3 4 1 2 4 2 3
+1 10000036 3 1 4 2 2 1 2 5
+1 10000037 3 1 2 2 2 1 2 5
+1 10000038 3 2 2 2 2 1 2 5
+1 10000039 3 1 2 1 1 4 2 5
+1 10000040 3 3 4 2 2 2 2 5
+1 10000041 3 2 3 2 1 1 2 4
+1 10000042 3 2 4 1 2 4 2 4
+1 10000043 3 3 4 2 1 2 2 5
+1 10000044 2 2 4 2 2 1 2 1
+1 10000045 2 3 4 2 2 1 2 1
+1 10000046 3 1 2 2 2 1 2 2
+1 10000047 3 1 4 2 2 2 2 5
+1 10000048 3 2 4 2 3 1 2 4
+1 10000049 3 1 4 2 1 1 2 5
+1 10000050 3 1 4 2 2 2 2 4
+1 10000051 3 2 2 2 2 1 2 5
+1 10000052 3 2 4 2 2 1 2 5
+1 10000053 3 3 3 2 1 2 2 4
+1 10000054 3 1 3 2 1 1 2 1
+1 10000055 3 1 2 2 1 1 2 5
+1 10000056 3 9 2 2 1 1 2 1
+1 10000057 3 1 4 2 2 1 2 3
+1 10000058 2 2 9 2 9 2 2 4
+1 10000059 3 1 4 2 1 1 2 5
+1 10000060 3 2 9 2 9 1 2 5
+1 10000061 3 2 3 2 1 1 2 5
+1 10000062 3 1 4 2 1 1 2 5
+1 10000063 3 1 3 2 1 1 2 5
+1 10000064 3 2 4 2 1 1 2 5
+1 10000065 3 3 4 2 2 1 2 2
+1 10000066 3 1 4 2 2 1 2 4
+1 10000067 3 3 4 2 2 1 2 5
+1 10000068 3 1 4 2 2 1 2 3
+1 10000069 3 2 3 2 2 1 2 1
+1 10000070 3 1 2 2 2 1 2 1
+1 10000071 3 1 2 2 2 1 2 2
+1 10000072 3 1 4 2 2 4 2 5
+1 10000073 3 3 4 1 2 4 2 5
+1 10000074 3 3 4 2 2 1 2 5
+1 10000075 2 3 4 2 3 1 2 5
+1 10000076 3 2 4 2 1 1 2 3
+1 10000077 2 3 4 2 1 1 2 2
+1 10000078 1 2 2 2 1 1 2 1
+1 10000079 2 1 3 1 2 1 2 3
+1 10000080 2 1 3 1 2 1 2 1
+1 10000081 2 3 2 1 2 1 2 2
+1 10000082 2 3 3 1 2 1 2 1
+1 10000083 3 3 9 2 9 1 2 5
+1 10000084 3 1 4 2 1 1 2 4
+1 10000085 3 1 3 1 1 1 2 5
+1 10000086 3 1 3 2 2 1 2 4
+1 10000087 3 2 4 2 2 1 2 5
+1 10000088 3 1 2 2 2 1 2 5
+1 10000089 3 1 3 2 1 1 2 5
+1 10000090 3 1 9 2 1 1 2 5
+1 10000091 3 2 4 2 2 1 2 5
+1 10000092 2 2 4 2 1 1 2 4
+1 10000093 3 1 3 2 2 2 2 4
+1 10000094 3 2 3 2 2 4 2 5
+1 10000095 3 1 2 2 2 1 2 1
+1 10000096 3 1 2 2 2 1 2 4
+1 10000097 3 1 3 2 2 1 2 4
+1 10000098 3 1 3 2 2 1 2 3
+1 10000099 3 1 2 2 2 1 2 3
+1 10000100 3 3 4 2 1 1 2 5
+1 10000101 2 2 2 1 2 1 2 5
+1 10000102 3 1 3 2 2 1 2 5
+1 10000103 3 2 4 2 2 1 2 5
+1 10000104 3 1 4 2 1 1 2 5
+1 10000105 3 2 3 2 2 2 2 4
+1 10000106 3 2 9 2 9 2 2 3
+1 10000107 3 2 9 2 9 2 2 3
+1 10000108 3 2 4 2 2 2 2 5
+1 10000109 2 2 2 1 1 1 2 5
+1 10000110 3 1 2 1 1 1 2 5
+1 10000111 2 3 4 1 2 1 2 5
+1 10000112 3 3 4 2 2 1 2 2
+1 10000113 3 1 9 2 9 1 2 5
+1 10000114 3 1 2 2 2 1 2 3
+1 10000115 3 1 4 2 1 1 2 2
+1 10000116 2 3 4 2 1 1 2 5
+1 10000117 3 2 4 2 2 2 2 5
+1 10000118 3 1 3 2 2 1 2 1
+1 10000119 3 1 3 2 2 1 2 1
+1 10000120 3 1 3 2 2 1 2 1
+1 10000121 3 1 2 2 2 1 2 4
+1 10000122 3 1 2 2 2 1 2 2
+1 10000123 2 2 2 2 2 1 2 3
+1 10000124 3 1 2 2 2 1 2 2
+1 10000125 3 3 4 2 1 1 2 3
+1 10000126 3 3 4 2 2 1 2 2
+1 10000127 3 3 3 2 2 1 2 2
+1 10000128 2 2 4 1 2 1 2 3
+1 10000129 3 3 4 2 2 1 2 4
+1 10000130 3 2 4 1 1 1 2 5
+1 10000131 2 1 4 2 1 1 2 2
+1 10000132 2 1 4 2 1 1 2 4
+1 10000133 2 2 3 2 1 1 2 3
+1 10000134 2 2 3 2 1 1 2 3
+1 10000135 2 2 3 2 2 1 2 5
+1 10000136 2 3 4 2 1 1 2 5
+1 10000137 3 1 3 2 2 1 2 4
+1 10000138 2 3 4 2 1 1 2 5
+1 10000139 2 2 3 2 1 1 2 2
+1 10000140 3 2 4 2 2 1 2 3
+1 10000141 2 2 2 1 1 2 2 2
+1 10000142 1 2 3 2 2 1 2 3
+1 10000143 3 1 2 2 1 1 2 5
+1 10000144 3 1 4 2 2 1 2 3
+1 10000145 3 1 4 2 2 1 2 1
+1 10000146 3 1 2 2 2 1 2 1
+1 10000147 3 1 4 2 2 1 2 1
+1 10000148 3 1 3 2 2 1 2 1
+1 10

chunks/txt/b7c7cda03cd11cb7e2c5b2a3b23e4413ad405c3d42db49201484b07026848990.txt

@@ -0,0 +1,65 @@
+If the MAX = 1, there is a one-to-one relationship between it and its parent; it cannot
+repeat. If the MAX is greater than or equal to one that means that the container can repeat
+up to the number specified. If the MAX is “unbounded,” that means the container can
+repeat an unlimited number of times.
+
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 30 of 76
+
+Section IV. Using the MISMO V3.0 Reference Model
+
+Example IV-3. Container Cardinality.
+
+1 to 1
+
+ABOUT_VERSIONS
+MIN=1, MAX=1
+
+1 to 1
+
+ABOUT_VERSION
+MIN=1, MAX=1
+
+MESSAGE
+MIN=1, MAX=1
+
+1 to 1
+
+DEAL_SETS
+
+1 to Many
+
+DEAL_SET
+MIN=1, MAX=Unbounded
+
+1 to 1
+
+PARTIES
+MIN=1, MAX=1
+
+Notes:
+ ULDDS Appendix A limits each loan delivery submission to one MESSAGE (MAX
+
+=1).
+
+ There is a one-to-one relationship between MESSAGE and ABOUT_VERSIONS and
+
+between ABOUT_VERSIONS and ABOUT_VERSION.
+
+ MIN=1 means that for each MESSAGE, the ABOUT_VERSIONS container must be
+sent and for each ABOUT_VERSIONS, the ABOUT_VERSION container must be
+sent. MAX=1 means only one of each may be sent. That is, each MESSAGE
+must be based on only one version of the ULDDS.
+
+ There is a one-to-one relationship between MESSAGE and DEAL_SETS. MIN=1
+means that for each MESSAGE, one DEAL_SETS container must be sent, and
+MAX=1 means only one may be sent.
+
+ There is a one-to-many relationship between DEAL_SETS and DEAL_SET.
+
+MIN=1 means that for each DEAL_SETS, one DEAL_SET container must be sent.
+MAX=unbounded means that a limitless number of DEAL_SET containers may
+be sent within DEAL_SET.

chunks/txt/b7d4cd2551b0c0183955823eb15d900540897e787cf05be7409077145d8afeaa.txt

@@ -0,0 +1,129 @@
+•
+
+•
+
+Appendix F-1: URAR Reference Guide
+
+Page 104 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+08 Dwelling Exterior
+
+Foundation
+
+The Foundation row always displays in the Exterior Features table.
+
+Dwelling Exterior: Quality and Condition - Exterior Features - Foundation
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+8.029
+
+Detail
+
+Always required
+
+Allowable
+Answers / Format
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+Definition / Additional Guidance
+
+Foundation Material: The material components of the base that the structure is
+built upon.
+•
+Brick
+•
+Concrete Block
+• Metal
+•
+Poured Concrete
+•
+Stone
+• Wood
+•
+
+Other (Describe)
+
+8.029
+
+Detail
+
+Always required
+
+Choose one or
+more allowable
+answers from
+table (Foundation
+Type)
+
+Foundation Type
+•
+Basement
+•
+Crawl Space
+•
+Post and Pier
+•
+Runner
+•
+Slab
+•
+Other (Describe)
+
+Notes:
+•
+
+•
+
+•
+
+For manufactured homes, the appraiser must indicate in Quality
+Comment (8.030) whether tie downs or anchoring systems exist.
+For CHOICEHome® and MH Advantage®, the appraiser must indicate in
+Quality Comment (8.030) whether or not the home has a “solid perimeter
+foundation”.
+If a manufactured home is not securely anchored, this must be reported
+in the Apparent Defects, Damages, and Deficiencies (Dwelling Exterior)
+subsection.
+
+8.029
+
+Detail
+
+8.029
+
+Detail
+
+Yes | No
+
+Required for FHA and
+USDA appraisals when
+Foundation Type is
+Crawl Space
+
+Required if Crawl
+Space Accessible for
+Observation is Yes
+
+Yes | No
+
+Crawl Space Accessible for Observation: Indicates whether the crawl space is
+accessible for visual observation.
+•
+•
+Reference the appropriate government agency appraisal guidelines.

chunks/txt/b7d9cb342762f296c6106c707cb8f5e14562acff63f32e61c9037ff774bae57d.txt

@@ -0,0 +1,177 @@
+Original Appraisal
+
+Effective Date of Appraisal
+Opinion of Market Value
+Market Value Condition
+
+Final Value Condition Statement
+
+TAB
+
+Itemized List of Repairs
+
+TXR-B
+TXR-I
+TXR-B
+
+Appraiser
+
+Reference ID
+Original Lender
+
+TCH
+
+TB
+
+Feature
+
+Location
+
+Description
+
+TAB
+
+New Observed Items for Repair
+
+Feature
+
+Location
+
+Description
+
+TCH
+
+TB
+
+TAB
+
+Completion Status
+
+Affects
+Soundness
+or Structural
+Integrity
+
+Repair
+Completed
+
+Inspection Date
+
+Completion
+Comment
+
+Affects Soundness
+or Structural
+Integrity
+
+Recommended
+Action
+
+Inspection Date
+
+CK
+
+CK
+
+TCH
+
+TB
+
+TAB
+TXC
+
+TAB
+
+Is construction complete?
+Was construction completed in a manner consistent with the original plans and
+specifications?
+
+Y/N
+
+Yes No
+ 
+ 
+
+Feature
+
+Location
+
+Comparison to Original
+Plans/Specs
+
+Comment
+
+Completion Report Commentary
+
+Completion Report Exhibits
+
+TAB
+
+Assignment Information
+
+TXR-B
+
+Borrower Name
+
+TXR-B
+
+TXR-B
+
+Appraiser Fee
+AMC Fee
+Government Agency
+Investor Requested Special Identification
+
+FTR-L
+
+FTR-R
+
+Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Completion Report Page [Page] of [Pages]Completion Version #Fannie Mae | Freddie Mac September 2024
+
+HDR-L
+
+H1
+
+H2
+
+TXR-I
+TXR-I
+
+Contact Information
+
+[Role]/[Role]
+
+Company Name
+Company Address
+
+H2
+
+Appraiser
+
+Name
+Designation
+Company Name
+Company Address
+
+Scope of Inspection by Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date
+
+Supervisory Appraiser
+
+Name
+Designation
+Company Name
+Company Address
+
+Scope of Inspection by Supervisory Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date

chunks/txt/b7e21dcbc26843920c694c7d1b6256b7018e47ea82b24a69cc9449818f4c5f4e.txt

@@ -0,0 +1,110 @@
+111
+
+PROJECT SITE
+
+Utilities
+Sanitary Sewer
+Public
+
+Site Utility Public
+Indicator
+
+Indicates whether the utility specified by
+Site Utility Type is a public utility.
+
+/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Sanita
+rySewer']/@_PublicIndicator
+
+112
+
+PROJECT SITE
+
+Utilities
+Sanitary Sewer
+Other
+
+Site Utility Non
+Public Indicator
+
+Indicates whether the utility specified by
+Site Utility Type is a non-public utility.
+
+/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Sanita
+rySewer']/@_NonPublicIndicator
+
+113
+
+PROJECT SITE
+
+Utilities
+Sanitary Sewer
+Other (describe)
+
+Site Utility Non
+Public Description
+
+A free-form text field used to describe the
+ownership of the utility specified by Site
+Utility Type if it is a non-public utility.
+
+/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Sanita
+rySewer']/@_NonPublicDescription
+
+114
+
+PROJECT SITE
+
+Off-site Improvements - Type
+Street
+
+115
+
+PROJECT SITE
+
+116
+
+PROJECT SITE
+
+Street
+Public
+
+Street
+Private
+
+117
+
+PROJECT SITE
+
+Off-site Improvements - Type
+Alley
+
+Property Off Site
+Improvement
+Description
+
+Property Off Site
+Improvement
+Exists Indicator
+
+Property Off Site
+Improvement
+Exists Indicator
+
+Property Off Site
+Improvement
+Description
+
+A free-form text field used to describe the
+property off-site improvement specified by
+Property Off Site Improvement Feature
+Type.
+
+Indicates that the particular off-site
+improvement feature specified by Property
+Off Site Improvement Feature Type is
+present.
+
+Indicates that the particular off-site
+improvement feature specified by Property
+Off Site Improvement Feature Type is
+present.

chunks/txt/b7e5f84e47b6a470b28c796380435ab67ef295ea71b969b2f3a4a79722ba67bb.txt

@@ -0,0 +1,275 @@
+\\Images\UnitCKitchen.png
+
+image/png
+
+LevelOne
+
+TypicalWearAndTear
+
+Kitchen
+
+NotUpdated
+
+\\Images\UnitCLivingRoom.png
+
+image/png
+
+LevelOne
+
+LivingRoom
+
+2.10
+
+false
+
+2022-07-10
+
+false
+
+No
+
+false
+
+false
+
+2500
+
+2600
+
+true
+
+None
+
+Carpet
+
+TypicalWearAndTear
+
+CeramicTile
+
+TypicalWearAndTear
+
+Flooring
+
+NotUpdated
+
+TypicalWearAndTear
+
+Well maintained with minimal depreciation
+
+WallsAndCeiling
+
+EightFeet
+
+Flat
+
+AboveGrade
+
+1190
+
+LevelOne
+
+0
+
+0
+
+0
+
+0
+
+0
+
+1190
+
+0
+
+1190
+
+false
+
+2
+
+2
+
+2
+
+0
+
+C3
+
+Q4
+
+1
+
+NotUpdated
+
+Unit D
+
+true
+
+false
+
+Tenant
+
+true
+
+Carport
+
+1
+
+Driveway
+
+1
+
+Balcony
+
+Amenities
+
+Bath 1
+
+\\Images\UnitDBath1.png
+
+image/png
+
+LevelOne
+
+TypicalWearAndTear
+
+FullBathroom
+
+NotUpdated
+
+Bath 2
+
+\\Images\UnitDBath2.png
+
+image/png
+
+LevelOne
+
+TypicalWearAndTear
+
+FullBathroom
+
+NotUpdated
+
+Bedroom 1
+
+\\Images\UnitDBedroom1.png
+
+image/png
+
+LevelOne
+
+Bedroom
+
+Bedroom 2
+
+\\Images\UnitDBedroom2.png
+
+image/png
+
+LevelOne
+
+Bedroom
+
+\\Images\UnitDDiningRoom.png
+
+image/png
+
+LevelOne
+
+DiningRoom
+
+\\Images\UnitDKitchen.png
+
+image/png
+
+LevelOne
+
+TypicalWearAndTear
+
+Kitchen
+
+NotUpdated
+
+\\Images\UnitDLivingRoom.png
+
+image/png
+
+LevelOne
+
+LivingRoom
+
+2.18
+
+false
+
+2022-12-15
+
+false
+
+No
+
+false
+
+false
+
+2600
+
+2600
+
+true
+
+Traditional
+
+SiteBuilt
+
+Brick
+
+CementBoard
+
+TypicalWearAndTear
+
+ExteriorWallsAndTrim
+
+PouredConcrete
+
+Slab
+
+TypicalWearAndTear
+
+Foundation
+
+TenToTwentyYears
+
+true
+
+Composition
+
+TypicalWearAndTear
+
+Roof
+
+TypicalWearAndTear
+
+Windows
+
+Thermal Double Hung
+
+C3
+
+Q4
+
+GroundLevel
+
+4
+
+Building 1
+
+Each unit has its own centralized, thermostatically controlled HVAC.
+
+Centralized
+
+Electric
+
+ForcedWarmAir

chunks/txt/b8015716d571a01cd7403fdc5f118dcd4981057d4866e2e90c5609ff7e47bcdd.txt

@@ -0,0 +1,86 @@
+Appendix F-1: URAR Reference Guide
+
+Page 314 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+25 Cost Approach
+
+Remaining Economic Life and Effective Age
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Cost Approach: Remaining Economic Life and Effective Age
+
+25.019 Remaining
+
+Economic Life
+
+25.020 Effective Age
+
+25.021 Commentary on
+
+Remaining
+Economic Life
+
+25.022 Commentary on
+
+Effective Age
+
+Required for each
+dwelling
+
+Required for each
+dwelling
+
+Required for each
+dwelling if Remaining
+Economic Life is less
+than 30 years, or if
+relevant
+
+Required for each
+dwelling for FHA, VA,
+and USDA appraisals,
+or if relevant
+
+Depreciated Cost - Outbuilding
+
+Number of years
+
+The estimated number of years of the structure's remaining economic life.
+
+Number of years
+or range of years
+
+Free-form
+
+The estimated age of a structure based on its utility and physical wear and tear.
+
+Commentary could include information pertinent to Remaining Economic Life
+that is not captured in the discrete data, or additional details to support the
+discrete data that is provided.
+
+Free-form
+
+Commentary could include information pertinent to Effective Age that is not
+captured in the discrete data, or additional details to support the discrete data
+that is provided.
+
+The Depreciated Cost – Outbuilding table repeats for each outbuilding when Considered Real Property (12.002)
+is Yes, and the “When to Include” column in this subchapter reflects this. If there are no outbuildings that are
+real property, this subsection does not display.
+
+Outbuilding Type (Displays in Gray Bar)

chunks/txt/b808c3850b9aa4c9683a41562089eaccb63dfc07a0672fa0dae989843d909aa1.txt

@@ -0,0 +1,8 @@
+---
+source_url: "https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset#uad-documentation"
+date_accessed: "2026-01-27T17:46:01.883Z"
+---
+
+[Skip to main content](#main-content)
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav

chunks/txt/b81383fe987d973e191e4ccc339c6881f9ade6d400193373010d602a9c6b83a9.txt

@@ -0,0 +1,27 @@
+November 13, 2024
+
+## [Working Paper 24-08: Banking on Buffers: Balance Sheet Responses to Household Demand, Macroeconomic Conditions, and Monetary Policy](/research/papers/wp2408)
+
+This paper examines how banks adapt to tightening regulations, evolving macroeconomic conditions, and changes in household demand. Unlike most analyses of banking regulation, we develop a general equilibrium model in which banks both borrow from and lend to households, allowing us to assess the...
+ - Staff Working Papers
+
+November 4, 2024
+
+## [Working Paper 24-06: Home Purchase Appraisals in Minority Neighborhoods](/research/papers/wp2406)
+
+We study how the share of African American residents in a neighborhood impacts appraisers’ valuation decisions for home purchases. Controlling for many appraisal inputs, including the appraiser themselves, we find that appraisals below the contract price are at least 23 percent more likely in...
+ - Staff Working Papers
+
+May 24, 2024
+
+## [Working Paper 24-05: Tracking Our Footprint: CO2 Emissions from US Single-Family Homes](/research/papers/wp2405)
+
+We estimate residential energy use and CO2 emissions for single-family homes using administrative data from approximately 45 million property appraisals, or 1.8 billion property-month observations. First, we find that from 2013 to 2021, CO2 emissions decreased by 8.8 percent in aggregate while...
+ - Staff Working Papers
+
+May 15, 2024
+
+## [Working Paper 24-04: Measuring Price Effects from Disasters Using Public Data: A Case Study of Hurricane Ian](/research/papers/wp2404)
+
+Natural disasters can disrupt housing markets, causing destruction to communities and distress to economic activity. To estimate the effects of disasters on home prices, publicly-available data on property damages are often used to classify “treated” properties. However, by design these data lack...
+ - Staff Working Papers

chunks/txt/b8196eb0c8772f8f34ec12efa237669d796ab5789242f8815df0cf39f1859697.txt

@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/data/enterprise-housing-goals"
+date_accessed: "2026-01-27T17:54:20.541Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)

chunks/txt/b81a9701d0c9d0a27014ec9c5dbfac260d030c02c3d00d7e657a23b19052735b.txt

@@ -0,0 +1,26 @@
+Page [Page] of [Pages]
+
+29.016
+
+The appraiser has relied on data provided by third parties in this appraisal report. Such data may include, but is not limited to, floor plans,
+flood maps, multiple listing real estate services, tax assessment records, public land records, satellite imagery, virtual street views, property
+data services, surveys, engineering reports, and property data aggregations. After examination of the data and data sources, the appraiser has
+used only the data he or she considers reliable. The appraiser assumes there are no material omissions in the data relied upon and makes no
+guarantees, express or implied, regarding their accuracy. If the source date is prior to the effective date of the appraisal, the appraiser assumes
+the property characteristics and supporting information have not changed in the interim.
+
+29.017
+
+The appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question,
+unless specific arrangements to do so have been made beforehand, or as otherwise required by law.
+
+29.018
+
+The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous
+wastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this
+appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property
+(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental
+conditions, etc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or
+warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that
+might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this
+appraisal report must not be considered as an environmental assessment of the property.

chunks/txt/b8363dd807cdb81df71fcf8f6bbb2e269d812191da71a7a2fdf5e6ba24fcbeff.txt

@@ -0,0 +1,22 @@
+Technology Manager Release Notes
+
+September 30, 2021
+
+Technology Manager is a web-based tool that allows Fannie Mae customers to provision and manage access to Fannie Mae
+applications. Registered users can view and modify their user profile and security information, and company designated
+administrators can assign various applications to their users and manage their System IDs.
+
+What’s new in this release?
+
+Customers are now able to request access to new Fannie Mae applications more easily. Users can now view the applications they
+have access to and request access to other authorized applications. Administrators will be able to view and manage these
+requests.
+
+Resetting a password using the password reset tool is now faster and easier. Users will now simply initiate the request, provide
+authorization via a link sent to their email, and choose a new password.
+
+The Virtual Assistant provides Corporate and User Administrators easier and faster ways to accomplish tasks within Technology
+Manager. In addition to answering questions through chat functionality within the platform, the Virtual Assistant escorts users
+through the steps to create multiple users in one session, duplicate user access, and more.
+
+© 2021 Fannie Mae 9.21.21 Page 1 of 1

chunks/txt/b8492fb49b05c55ca93fcf48926aa481a7a7d885bb982601b52fdbb7d8838fb9.txt

@@ -0,0 +1,75 @@
+Additional Scope of Work cannot be contrary to the original Scope of Work.
+
+TXC-I
+TXC
+
+H1
+
+Intended Use
+
+TXC
+
+TXC
+
+The intended use of the opinions and conclusions contained in this appraisal report is for the intended user to evaluate the property that is the
+subject of this appraisal for a mortgage finance transaction or related activities.
+
+The intended use of the appraisal is solely to assist FHA in assessing the risk of the Property securing the FHA-insured Mortgage
+(24 CFR § 200.145(b)).
+
+H2
+
+Additional Intended Use
+
+Additional Intended Use cannot be contrary to the original Intended Use.
+
+TXC-I
+TXC
+
+H1
+
+Intended User
+
+TXC
+
+The intended user of this report is the lender/client.
+
+FHA and the Mortgagee are the intended users of this report.
+
+The USDA and any other identified lender/client are intended users of this report.
+
+TXC
+
+The VA is also an intended user of this report.
+
+H2
+
+Additional Intended Users
+
+Additional Intended Users cannot be contrary to the original Intended User.
+
+TXC-I
+TXC
+
+TAB
+
+Certifications
+
+H1
+
+Appraiser Certifications
+
+TXC
+
+The Appraiser certifies and agrees that:
+
+TXC-NP
+
+1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective
+owners or occupants of the subject property, or other parties involved in this transaction.
+
+2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this
+report, or the demographics of the area where the property is located.
+
+3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that
+apply to the appraiser and to the assignment.

chunks/txt/b84bcbde49d8df4223013dcc36abc5bfe5874b3c544fb79a4cb2f1a8c0578c6d.txt

@@ -0,0 +1,126 @@
+Additional Properties Analyzed Not Used
+
+#
+1
+
+2
+
+3
+
+4
+
+5
+
+Property Address
+300 Wilshire Blvd,
+Unit 400
+Nowhere, CA 90021
+
+11004 Westwood Blvd,
+Unit 211
+Nowhere, CA 90021
+
+208 Midvale Ave, Unit 404
+Nowhere, CA 90021
+
+880 Kelton Ave, Unit 612
+Nowhere, CA 90021
+
+11005 Westwood Blvd,
+Unit 822
+Nowhere, CA 90021
+
+Sale Date
+08/01/2019
+
+Status
+Settled Sale
+
+Reason Not Used
+Bathroom Count
+Bedroom Count
+
+08/15/2019
+
+Settled Sale
+
+08/20/2019
+
+Settled Sale
+
+Bathroom Count
+Finished Area
+
+Bathroom Count
+Finished Area
+
+Comment
+Superior utility resulted in a higher sale price.
+
+Larger unit offering greater utility.
+
+Smaller unit offering less utility.
+
+08/26/2019
+
+Settled Sale
+
+Condition
+
+Was listed as a “fixer upper” by the agent.
+
+08/30/2019
+
+Settled Sale
+
+Condition
+Finished Area
+
+Much larger unit that was recently renovated.
+
+Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 17 of 22
+Page 17 of 22
+
+Sales Comparison Approach (continued)
+
+PG BRK
+
+Sales Comparison Map
+
+Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 18 of 22
+Page 18 of 22
+
+Sales Comparison Approach (continued)
+
+PG BRK
+
+Sales Comparison Approach Exhibits
+
+Comparable #1
+
+Comparable #2
+
+Comparable #3
+
+Comparable #4
+
+Reconciliation
+
+Approaches to Value
+
+Indicated Value
+
+Reason for Exclusion
+
+Sales Comparison Approach
+$778,000
+
+Income Approach

chunks/txt/b84ec29dcd1a1d3f87f33daea75f0d2bfe4939d4960f21dac8811b556fa9cf4f.txt

@@ -0,0 +1,61 @@
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 129 of 166
+
+UAD 3.6 Policy
+
+Project Type
+
+Identification Criteria
+
+A project for which all of the following are true:
+
+•
+
+•
+•
+•
+
+at least 90% of the total units in the project have been conveyed to unit
+purchasers;
+the project is 100% complete, including all units and common elements;
+the project is not subject to additional phasing or annexation; and
+control of the HOA has been turned over to the unit owners.
+
+Established condo project
+
+A project may also be treated as an established project with less than 90% of the units
+sold to unit purchasers, provided the deficit is the result of the developer holding back
+units for rent. The following requirements must be met:
+
+•
+•
+
+•
+
+construction is 100% complete;
+the project is not subject to any additional phasing or annexation, and the
+HOA has been turned over to the unit owners;
+the developer’s share of the units held back for rental is no more than 20% of
+the project’s total units;
+
+• HOA fees are paid current in developer-held units; and
+•
+
+there are no active or pending special assessments in the project.
+
+A project for which one or more of the following is true:
+
+New condo project
+
+•
+
+•
+
+fewer than 90% of the total units in the project have been conveyed to unit
+purchasers (or 80% if it meets the exception noted in the row above);
+the project is not fully completed, such as proposed construction, new
+construction, or the proposed or incomplete conversion of an existing
+building to a condo;
+the project is newly converted;
+the project is subject to additional phasing or annexation; or

chunks/txt/b8526cca14035b35b7dbcb20b41b552c9b512ae26fc85ebe7465704cdc8efca8.txt

@@ -0,0 +1,8 @@
+---
+source_url: "https://singlefamily.fanniemae.com/applications-technology/desktop-underwriter-validation-service/du-validation-service-verification-report-vendors"
+date_accessed: "2026-01-27T18:02:18.432Z"
+---
+
+[Skip to main content](#main-content)
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav

chunks/txt/b855e6ab15624b2961edaea63a3658eb828ee3f49c9b23c5122fca2769ab7bf9.txt

@@ -0,0 +1,44 @@
+Fannie Mae Proprietary & Confidential
+
+13
+
+A snapshot of the RELATIONSHIPS for the sample loan.
+
+Borrowers 1 and 2 share a joint credit report and the relationship is listed below.
+
+Borrower 3 has individual credit - no ArcRole required for credit.
+
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+14
+
+EarlyCheck
+The current process for EarlyCheck will remain the same; however, there are changes in conditionality for
+existing data points and new data points. The conditionality for EarlyCheck is included in the DU Spec.
+These data points are identified in the DU Map tab in the EarlyCheck column of the Conditionality
+Information columns.
+
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+15
+
+Chapter 3: Planning for Implementation
+The Structure of the Loan Application Submission File
+The XML is a file with a well-defined structure which provides flexibility to represent complicated data
+structures. There are several advantages of using XML over a fixed length file format. Here are a few
+important ones:
+
+1. Organization. An XML file can have nested objects with data organized by groups in hierarchical
+order. XML files have tag values that can be easily configured by searching through the tags and
+changing the value making the data easier to retrieve and update with an XML structure than in the
+case of a fixed length file format.
+
+2. Attributes. It is possible to assign attributes to a given XML element beyond the data value of that
+container. In the DU Spec, there are attributes to provide more information about the data order,
+the role of an associated loan, and the version of the MISMO reference model. An example of the
+use of attributes for data order is to add a sequence number attribute to identify the different
+employers that a borrower may have when the borrower reports multiple current jobs.

chunks/txt/b85e30cc00d7c455e368c2883596223c3aa4672284ee60ba3a08098dd319c7be.txt

@@ -0,0 +1,59 @@
+Superfund Site
+
+A site established by the Federal Comprehensive Environmental Response, Compensation, and Liability Act of 1980 and
+administered by the Environmental Protection Agency, enabling it to investigate and clean up sites contaminated with
+hazardous substances.
+
+Underground Storage Tank
+
+A storage tank that is below the surface grade.
+
+Water Contamination
+
+Water that contains any foreign substance that can be harmful to humans, the property, and / or the environment (e.g.,
+lead, arsenic).
+
+Other (Describe)
+
+Select Other to enter an answer that is not in the above list.
+
+Water Frontage with Private Access
+
+The appraiser must indicate whether the property has private access to each Body of Water Type that was
+indicated in the Site Influences subsection above. Private access is intended to mean that the access is either
+owned by the subject property or exclusively granted to the subject property through easement or right.
+
+This section is not intended for public or community waterfront access used as an amenity in projects,
+communities, or other housing developments. Instances where community waterfront access is included as an
+amenity in mandatory HOA fees must be reported in Common Amenities / Services (18.012) in the Project
+Information section.
+
+If the property does not have private access to any body of water, this subsection does not display.
+
+Site: Water Frontage
+
+Report
+Field ID
+
+Not on
+Report
+
+Report Label
+
+When to Include
+
+This is an
+appraiser input
+that does not
+display
+
+Always required for
+each Body of Water
+Type
+
+Allowable
+Answers / Format
+
+Yes | No
+
+Definition / Additional Guidance

chunks/txt/b8797cd32409299283fb8fe89321805591d18e7906a92ddb86bbb6564507d8f8.txt

@@ -0,0 +1,67 @@
+Boolean
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+
+String
+
+This field should indicate the data sources for the comparables' prior sale history.
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+
+Date/Time
+
+Data Format:
+yyyy-mm-dd
+
+PDF Display Format:
+mm/dd/yyyy
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+One and only one of fields 2-91, 2-92
+(Property Analysis Type =
+'PhysicalDeficiency' and values of Property
+Analysis Exists Indicator) should be
+indicated.
+
+This field should be populated if field 2-91
+(Property Analysis Type =
+'PhysicalDeficiency' and Property Analysis
+Exists Indicator = 'Y') is indicated.
+
+One and only one of fields 2-94, 2-95
+(Property Analysis Type =
+'ConformsToNeighborhood' and values of
+Property Analysis Exists Indicator) should
+be indicated.
+
+One and only one of fields 2-94, 2-95
+(Property Analysis Type =
+'ConformsToNeighborhood' and values of
+Property Analysis Exists Indicator) should
+be indicated.
+
+This field should be populated if field 2-95
+(Property Analysis Type =
+'ConformsToNeighborhood' and Property
+Analysis Exists Indicator = 'N') is indicated.
+
+One and only one of fields 2-97, 2-98
+(values of Sales History Researched
+Indicator) should be indicated.
+One and only one of fields 2-97, 2-98
+(values of Sales History Researched
+Indicator) should be indicated.
+
+If field 2-98 (Sales History Researched
+Indicator = 'N') is indicated, this field should
+be populated.

chunks/txt/b87ae98083c6ecb3f421594836acfe1133d044764377a1000373a2978948377a.txt

@@ -0,0 +1,198 @@
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+Form FNM 1073 FRE 465
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 119 of 211
+
+Document Version 1.4
+
+Sort ID
+
+Form
+Page
+
+Form
+Reference
+Number
+
+Form Section
+
+Form Field Label
+
+Data Point Name
+
+Data Point Definition
+
+XPath
+
+Data Point Field
+Length
+
+Format
+
+Implementation Notes
+
+Conditionality Description
+
+Data Field
+Conditionality
+1073/465
+
+Data Field
+Conditionality 1073
+Hybrid/465H
+
+Data Field
+Conditionality 1073
+Desktop/465D
+
+441
+
+3
+
+e-24
+
+SALES
+COMPARISON
+APPROACH
+
+Rooms Below Grade
+(Line 2)
+
+GSE Below Grade
+Other Room Count
+
+The number of finished rooms other than
+recreation rooms, bedrooms, and
+bathrooms in the below grade space.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON
+_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@
+ExtensionSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM
+PARISON_DETAIL/@GSEBelowGradeOtherRoomCount
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+This field indicates the number of other finished rooms in the basement.
+
+1
+
+Numeric
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+PDF Display Format:
+Numeric, 1-digit
+
+442
+
+443
+
+444
+
+445
+
+446
+
+447
+
+448
+
+449
+
+450
+
+451
+
+452
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+97
+
+98
+
+99
+
+100
+
+101
+
+102
+
+103
+
+104
+
+105
+
+106
+
+107
+
+SALES
+COMPARISON
+APPROACH
+
+Rooms Below Grade
+Adjustment
+(Line 2)
+
+Sale Price
+Adjustment
+Amount
+
+The dollar amount of the adjustment
+applied to the sale price for the property
+feature identified by Sale Price
+Adjustment Type.

chunks/txt/b8893cb8f7382b902ee23b5d81960793bed85c383e0c8eddbe046b13046c9890.txt

@@ -0,0 +1,43 @@
+[Mortgage Translations](/mortgage-translations)
+
+- [About Mortgage Translations](/mortgage-translations)
+ - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)
+ - [COVID-19 Resources](/mortgage-translations/covid-19-resources)
+ - [Interpretive Services](/mortgage-translations/interpretive-services)
+ - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)
+ - [Search Documents](/mortgage-translations/search)
+ - News Public Affairs
+
+- [News Releases](/news/news-release)
+ - [Statements](/news/statement)
+ - [Speeches](/news/speech)
+ - [Testimonies](/news/testimony)
+ - [Public Input](/public-input)
+ - [Blogs](/blog)
+ - [Fact Sheets](/news/fact-sheet)
+ - [FAQs](/faqs)
+ - [Partner Agency Engagements](/news/partner-agency-engagements)
+ - [Public Engagements](/news/public-engagements)
+ - [Videos](/media)
+
+Social Media
+
+- [Facebook](https://www.facebook.com/FHFA)
+ - [LinkedIn](https://www.linkedin.com/company/354523)
+ - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [X (formerly Twitter)](https://twitter.com/FHFA)
+ .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu
+
+## Breadcrumb
+
+- [Home](/)
+ - [FHFA Data](/data)
+ - Market Data
+
+# Market Data
+
+## Residential Mortgage Debt Outstanding—Enterprise Share, 1990 – 2010
+
+Total mortgages held or securitized by Fannie Mae and Freddie Mac as a Percentage of Residential Mortgage Debt Outstanding, 1990 – 2010.
+
+Note: Currently, FHFA does not have any plans to update this dataset through more recent periods.

chunks/txt/b88e7d72b8d5257d6096f2ceb3e2e4ffc8d6ee6b6d84bff63dbee504db92c6c7.txt

@@ -0,0 +1,243 @@
+Grammy Gold
+
+Dwelling No. 8675309 in the condominium project known as Grammy Gold
+
+13939
+
+LandWithDwelling
+
+AssessorUnformattedIdentifier
+
+300.200.1000
+
+Clubhouse
+
+ClubMembership
+
+GatedCommunity
+
+IngroundPool
+
+Other
+
+Snow Removal
+
+TrashRemoval
+
+false
+
+false
+
+false
+
+false
+
+false
+
+true
+
+50
+
+3
+
+2
+
+The data shows only two off-site mailing addresses, therefore assumed that they are rented units.
+
+true
+
+47
+
+Condominium
+
+Grammy Gold
+
+false
+
+3
+
+120
+
+Concrete
+
+Patio
+
+\\Images\Condo2_Patio.jpg
+
+image/jpeg
+
+92
+
+Composite
+
+Porch
+
+\\Images\Condo2_Porch.jpg
+
+image/jpeg
+
+OutdoorLiving
+
+2
+
+IndoorFireplace
+
+Living Room Fireplace
+
+\\Images\Condo2_IndoorFireplace1.jpg
+
+image/jpeg
+
+Bedroom Fireplace
+
+\\Images\Condo2_IndoorFireplace2.jpg
+
+image/jpeg
+
+WholeHome
+
+0
+
+Detached
+
+1
+
+true
+
+1
+
+false
+
+true
+
+C1
+
+Q3
+
+true
+
+true
+
+FeeSimple
+
+true
+
+false
+
+false
+
+false
+
+false
+
+false
+
+false
+
+DesktopAppraisal
+
+None
+
+0
+
+0
+
+0
+
+0
+
+0
+
+0
+
+3500
+
+3500
+
+true
+
+true
+
+false
+
+false
+
+895000
+
+2018-05-16
+
+true
+
+true
+
+TypicallyMotivated
+
+2015-10-01
+
+2500000
+
+Sale
+
+PreSubdivisionSale
+
+None
+
+true
+
+true
+
+true
+
+true
+
+true
+
+Asphalt
+
+CulDeSac
+
+true
+
+Subject's project has designated private asphalt roads. The responsibilities and maintenance of these roads is outlined and stated in the condominium master deed which is recorded. Private roads within site condominium complexes in this area are common and have no adverse effect on marketability.
+
+true
+
+PrivateStreet
+
+true
+
+false
+
+false
+
+None
+
+Bordering
+
+GolfCourse
+
+Beneficial
+
+Onsite
+
+Other
+
+Gated Community
+
+Beneficial
+
+13939
+
+1
+
+Public
+
+Electricity
+
+Public
+
+Gas
+
+Public
+
+SanitarySewer

chunks/txt/b88f5e64f2ca82a4880c1cd1a60ee7541885a6116eebaba6bf7601ba911edc75.txt

@@ -0,0 +1,69 @@
+Report
+Field ID
+
+2.004
+
+Report Label
+
+When to Include
+
+Always required
+
+Property
+Valuation
+Method
+
+Assignment Information: Property Valuation Method
+
+Allowable
+Answers / Format
+
+Choose an
+allowable answer
+from table
+(Property
+Valuation Method)
+
+Definition / Additional Guidance
+
+The method of property valuation, based on appraiser’s scope of work
+performed.
+•
+•
+•
+•
+Note: Regardless of what was ordered, Property Valuation Method represents
+what was completed.
+
+Traditional Appraisal
+Hybrid Appraisal
+Desktop Appraisal
+Exterior Appraisal
+
+Allowable Answer
+
+Traditional Appraisal
+
+Hybrid Appraisal
+
+Property Valuation Method (Choose one)
+
+Definition / Additional Guidance
+
+An appraisal assignment for which the scope of work includes an interior and exterior onsite inspection of the subject
+property completed by the appraiser who signs the appraisal report. The Effective Date of Appraisal (26.011) is the date of
+inspection.
+
+An appraisal assignment for which the scope of work includes using a recent collection of property data in lieu of the
+appraiser performing an onsite inspection. The Effective Date of Appraisal (26.011) is the date the appraiser develops the
+opinion of value.
+
+Note: If this answer is selected, Property Data Report Used (2.005) must be Yes, and the Property Data Report subsection
+(2.053-2.060) displays. The collection of property data must comply with the Uniform Property Dataset (UPD), as specified
+in Uniform Property Dataset - Freddie Mac Single-Family and Uniform Property Dataset | Fannie Mae.
+
+Desktop Appraisal
+
+An appraisal assignment for which the scope of work includes using third party data sources, other than a recent collection
+of property data, in lieu of an appraiser performing an onsite inspection. The Effective Date of Appraisal (26.011) is the
+date the appraiser develops the opinion of value.

chunks/txt/b8a1c125bbf32ab74c775ea5a6c1837fed400a0dc67390b6837f1d8147f94270.txt

@@ -0,0 +1,160 @@
+This appraisal is made “as is”, subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been
+completed, subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or subject to the
+following required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair: 133
+
+131
+
+129
+
+132
+
+130
+
+Based on the defined scope of work, statement of assumptions and limiting conditions, and appraiser’s certification, my (our) opinion of the market value, as
+defined, of the real property that is the subject of this report is
+$ 134
+
+, the effective date of this appraisal.
+
+135
+
+, as of
+
+S
+A
+L
+E
+S
+
+C
+O
+M
+P
+A
+R
+I
+S
+O
+N
+
+A
+P
+P
+R
+O
+A
+C
+H
+
+R
+E
+C
+O
+N
+C
+I
+L
+I
+A
+T
+I
+O
+N
+
+Freddie Mac Form 70D July 2020
+
+226
+
+Page 2 of 6
+
+Fannie Mae Form 1004 Desktop July 2020
+
+2
+
+5
+
+Appraisal Assignment Type
+
+Subject Property Data Collection Method
+
+Uniform Residential Appraisal Report (Desktop)
+Subject Property Data Collection Date
+Subject Property Data Collection Workforce
+
+227
+
+227
+
+File # 3
+
+4 4a
+
+227
+
+227
+
+A
+D
+D
+I
+T
+I
+O
+N
+A
+L
+
+C
+O
+M
+M
+E
+N
+T
+S
+
+C
+O
+S
+T
+
+A
+P
+P
+R
+O
+A
+C
+H
+
+I
+N
+C
+O
+M
+E
+
+P
+U
+D
+
+I
+N
+F
+O
+R
+M
+A
+T
+I
+O
+N
+
+Provide adequate information for the lender/client to replicate the below cost figures and calculations.
+Support for the opinion of site value (summary of comparable land sales or other methods for estimating site value) 6
+
+COST APPROACH TO VALUE (not required by Fannie Mae)
+
+8
+
+REPRODUCTION OR REPLACEMENT COST NEW

chunks/txt/b8aaa0e8b6e41f5eb1431bb43bbeaa65576d3d2c9ad249a34c80c7c43d5f5dda.txt

@@ -0,0 +1,5 @@
+Footer Text .......................................................................................................................................................... 16
+
+Section Headings ........................................................................................................................................... 18
+
+TITLE – Report Title ............................................................................................................................................. 18

chunks/txt/b8b16c83773c3a2d922315e2e63c05df4b142c4e1c59a4c6d5a10a624176de1d.txt

@@ -0,0 +1,64 @@
+• Review Production Server Configuration: Ensure that your production servers and applications are not explicitly
+
+restricted to the current XIS IP addresses.
+
+Current XIS IP Addresses:
+
+•
+
+•
+
+•
+
+198.204.187.102
+
+167.133.172.20
+
+167.133.216.11
+
+•
+
+Inspect Network Access Controls: Examine firewall rules, security groups, and network allow lists to ensure
+they are not hardcoded to the existing IPs. Update any configurations that may block the requests once the DNS
+changes take effect.
+
+© 2025 Fannie Mae 9.17.25 1 of 2
+
+• Validate Connectivity: Before and after the DNS update, verify that all services can successfully resolve and
+
+connect to the new IP addresses.
+
+Connectivity Testing
+
+Action Required for IP Allowlisting and Connectivity Testing
+
+The Integration Environment has been updated to support the new IP address configuration.
+
+To validate connectivity prior to the production update, please submit test requests to the following endpoint:
+
+https://mkptprod.uwfndnsvc.du.prod.fanniemae.com/servicerequest2
+
+This proactive testing will help to facilitate uninterrupted access once the changes are deployed.
+
+Action Required for Customers with IP Restrictions
+
+Please contact us at integration_support@fanniemae.com to request the updated list of IP addresses for the Integration
+Environment if your current production XIS submissions are restricted to the following IP addresses:
+
+•
+
+•
+
+•
+
+198.204.187.102
+
+167.133.172.20
+
+167.133.216.11
+
+This will allow you to perform connectivity testing with the new configuration by following these steps:
+
+1. Verify Request Payload: Verify that the value of the "Host" HTTP header in the request matches the XIS
+hostname the connection is made to. For instance, for Production, the Host header would be "Host:
+direct.efanniemae.com". This is typically set automatically by the HTTP Client library or application.

chunks/txt/b8b17e9b1a16307d144182769999ccf9d4f363ef84d31f67950843f1f1f2bf94.txt

@@ -0,0 +1,25 @@
+Technology Manager Release Notes
+
+October 21, 2019
+
+Technology Manager is a web-based tool that allows Fannie Mae customers to provision and manage access to Fannie Mae
+applications. Registered users can view and modify their user profile and security information, and company designated
+administrators can assign various applications to their users.
+
+What's new in this release?
+
+1.
+
+Improved user experience
+
+a. Actionable tasks in a single view
+
+b. "Create New User" workflow
+
+2. Modern and responsive user interface
+
+3. Accessible across all modern browsers and on mobile
+
+4. Ability to provide feedback across all pages
+
+© 2019 Fannie Mae 10.24.19 Page 1 of 1

chunks/txt/b8b880a46cc7be87a1960c20fd2465bf940c8946864958bafcb02cd16cef3287.txt

@@ -0,0 +1,99 @@
+Interest Rate
+
+Amortization Type
+
+Pro Rata Share of Balance
+Attributable to Unit
+
+Project Factors and Impact to Value/Marketability
+
+Detail
+
+Impact
+
+Comment
+
+Project Factor
+Developer/Sponsor in Control
+
+Incomplete Project
+
+Converted in Past 3 Years
+
+Single Entity Ownership of Multiple
+Units
+
+Single Entity Ownership of Multiple
+Shares
+
+Commercial Space
+
+Known Legal Actions
+
+Unit Transfer Fees
+
+Unit Special Assessments
+
+Unit Tax Abatements or Exemptions
+
+Project Factors Commentary
+
+Project Information Commentary
+
+Project Information Exhibits
+
+Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024
+
+Subject Listing Information
+
+Current and/or relevant listings of the subject property (minimum 1 year look back)
+
+Current or Relevant Listings
+
+Data Source
+
+Listing Status
+
+Listing Type
+
+Listing ID
+
+Start Date
+
+End Date
+
+DOM
+
+Starting
+List Price
+
+Current or
+Final List Price
+
+Analysis of Subject Property Listing History
+
+Subject Listing Information Exhibits
+
+Total DOM
+
+Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024
+
+Sales Contract
+
+Is there a sales contract?
+Was sales contract information analyzed?
+Does this appear to be an arm’s length transaction?
+
+Non-Arm’s Length Commentary
+
+Yes No
+ 
+ 
+ 
+
+Contract Price
+Contract Date
+Transfer Terms
+Personal Property Conveyed
+
+Personal property is not included in the appraiser’s final opinion of value

chunks/txt/b8ce06aa6b2ad2b9174110cfb03cafbf706c4c11d92d7523f506b9024a8d7fde.txt

@@ -0,0 +1,49 @@
+Appendix F-1: URAR Reference Guide
+
+Page 11 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Overview
+
+• Definition / Additional Guidance: The definition in business terms, including notes and examples, a list of
+
+allowable answers, and additional guidance.
+
+o Note: Allowable answers with complex definitions are in a separate table.
+
+The Summary and Reconciliation sections redisplay information from other sections and therefore have
+additional columns:
+• When Displayed in Summary Section
+
+o Examples: Always displays, If applicable, When there are property restrictions
+
+• Origin of Information (Section): The section, Field Name, and Report Field ID from which the Summary or
+
+Reconciliation information populates
+
+The grids in Sales Comparison Approach, Rental Information, and Income Approach have additional columns.
+• When Row Displays
+
+o Examples: Always, If relevant, If applicable, Required if New Construction for the subject property is
+
+Yes
+
+o Note: When a row displays is not always the same as when subject or comparable information is
+
+required.
+
+• When to Include for each Comparable: When the information is required for each comparable.
+• Origin of Subject Property Information: The section, Field Name, and Report Field ID for subject property
+information that populates the grid, or an indication that the information does not populate from other
+sections and that the appraiser must enter information for the subject property.
+
+• Adjustable Row: Whether or not the row is adjustable.
+
+Document Conventions
+
+The following fonts and colors are used in this document:
+• Section names (black tabs) and subsections (gray bars, tables, or groupings of related information) are bold.
+• Report Field ID: A red number identifies the specific location of the field on the URAR.

chunks/txt/b8d3bcc6dee06a8ee8345b4b774e1229890f4f3ed9002ebe66221c81349ac740.txt

@@ -0,0 +1,80 @@
+MISMO v3.3.0
+Data Point
+
+MISMO v3.3.0
+Value
+
+Notes
+
+Second Instance of INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENT
+
+7.9.3
+
+Borrower-Paid
+
+…/INTEGRATED_DI
+SCLOSURE_SUBSEC
+TION_PAYMENT
+
+IntegratedDisclosur
+eSubsectionPaidBy
+Type
+
+7.9.3
+
+Loan Costs
+Subtotals (A + B +
+C) Borrower-Paid
+Before Closing ($)
+
+7.9.3
+
+Before Closing
+
+1. MAPPI NG GUI DANCE
+
+IntegratedDisclosur
+eSubsectionPayme
+ntAmount
+
+IntegratedDisclosur
+eSubsectionPayme
+ntTimingType
+
+Buyer
+
+29.80
+
+Represented as
+Borrower-Paid
+heading on form
+
+ROF as “$29.80”
+
+BeforeClosing
+
+Represented as
+Before Closing
+heading on form
+
+7.1 | 7.4 | 7.6 | 7.8 INTEGRATED_DISCLOSURE_SECTION_SUMMARY_DETAIL conveys the data points identifying
+and providing totals for all the subcategories in the Loan Costs table. The subcategories A – D are identified
+using the value of IntegratedDisclosureSubsectionType. If there are no fees to disclose for a category, the GSEs
+require a zero to be provided.
+
+7.9 Within the fourth instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY_DETAIL, the value of
+IntegratedDisclosureSubsectionType identifies the Loan Costs Subtotal heading.
+
+7.9.2 | 7.9.3 Two instances of INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENT provide the data points
+breaking out the category total by payor (Borrower), timing (At or Before Closing) and amount. If there are no
+fees to disclose for a subtotal, the GSEs require a zero to be provided.
+
+B. LI NE I TEMS
+
+Line items are disclosed according to the following general pattern with exceptions noted under each category
+description.
+
+1.
+
+Identify the charge (7.3 | 7.5 | 7.6). Describe the service or function using clear and conspicuous
+terminology.

chunks/txt/b8d6fa0fbb784a06cc72cb868804bf1aa7df533a447a4f3c4630e5ba042c12e2.txt

@@ -0,0 +1,79 @@
+• Containers or datapoints to be linked are identified using "xlink:label.”
+• The RELATIONSHIP container holds the xlink:arcrole, xlink:from, and xlink:to attributes that describe the data relationships.
+
+DATA_SOURCE to PROPERTY
+
+When the data source is associated with a gross rent multiplier comparable, provide the relationship that joins to the applicable instance of
+PROPERTY where the ValuationUseType = "GrossRentMultiplierComparable".
+
+Unique ID
+
+Parent Container
+
+MISMO Attribute Name
+
+Supported Attribute Enumerations
+
+1200.0044
+
+RELATIONSHIP
+
+@xlink:arcrole
+
+urn:fdc:mismo.org:2009:residential/DATA_SOURCE_IsDataSourceFor_PROPERTY
+
+1200.0045
+
+RELATIONSHIP
+
+1200.0046
+
+RELATIONSHIP
+
+2000.0016
+
+PROPERTY
+
+0700.0124
+
+DATA_SOURCE
+
+@xlink:from
+
+@xlink:to
+
+@xlink:label
+
+@xlink:label
+
+DATA_SOURCE_n
+
+PROPERTY_n
+
+PROPERTY_n
+
+DATA_SOURCE_n
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+25 Cost Approach
+
+Page 324
+
+The Cost Approach section includes cost estimates of the land value, cost of constructing dwellings and outbuildings, and the appropriate
+amount of depreciation. This section provides space for additional commentary and exhibits.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 325
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 326
+
+The Cost Approach section displays when CostApproachIndicator (UID: 1000.0027, FID: Not on report) = “true”.
+
+Indicated Value by Cost Approach
+
+The Indicated Value by Cost Approach subsection is a summary of the cost approach. The fields are populated based on data in the
+subsections that follow. They are not directly entered by the appraiser.

chunks/txt/b8df8bfc6cfc50a433d900970c0c7105f71b957565d6994c7ce766bf14bffe95.txt

@@ -0,0 +1,70 @@
+Amenity Count (for the indicated miscellaneous amenity)
+
+•
+
+•
+
+Appendix F-1: URAR Reference Guide
+
+Page 265 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+22 Sales Comparison Approach
+
+Vehicle Storage
+
+The Vehicle Storage subsection always displays on the sales comparison grid. Information about the subject property’s garage area populates from
+the Vehicle Storage section. If the subject or comparable(s) have additional features that impact value and/or marketability, Additional Rows are
+utilized to support adjustments and conclusions, such as heat, cooling, or additional area. Reference Appendix 4: Detached Garage Examples for
+additional information and examples.
+Examples:
+• Detached garage with an ADU above or sharing a common wall with the garage:
+o ADU(s) if any, are reported in the Units(s) subsection (22.07).
+o The portion of the garage dedicated to vehicle storage is reported in the Vehicle Storage subsection.
+
+• Detached garage with a finished workshop and a bathroom:
+
+o The portion of the garage dedicated to vehicle storage is reported in the Vehicle Storage subsection.
+o The workshop and bathroom are reported in the Outbuilding subsection (22.14) with Outbuilding Type selected as Other, and described
+
+as Workshop/Garage.
+
+Report
+Field ID
+
+Report Label
+
+When Row
+Displays
+
+When to Include for
+each Comparable
+
+Allowable
+Answers / Format
+
+Origin of Subject
+Property Information
+
+Adjustable
+Row
+
+Definition / Additional Guidance
+
+Sales Comparison Approach: Vehicle Storage
+
+22.13.04 Vehicle
+Storage
+(subsection
+heading)
+
+22.13.01
+22.13.05
+
+Type | Spaces
+| Detail
+
+Always

chunks/txt/b8f31328ee2984a6c8f36a5b2514eeda2faebc5fded8c7cdcf1a057fa7aba5cb.txt

@@ -0,0 +1 @@
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chunks/txt/b8fdc1d89c8a3570015ae2e20686be9b59f2ad23d1dbfc61e923d21b94e36cc7.txt

@@ -0,0 +1,122 @@
+1=American Indian or Alaska Native; 2=Asian; 3=Black
+or African American; 4=Native Hawaiian or other
+Pacific Islander; 5=White; 6=Information not provided;
+7=Not Applicable (borrower is an institution,
+corporation or partnership); 8=No Co-Borrower
+
+1=HOEPA: High-Cost Mortgage; 2=HOEPA: Not a High-
+Cost Mortgage; 3=Not subject to HOEPA
+1=Secured by first lien; 2=Secured by a subordinate
+lien; 3=Not secured by a lien; 4=Not Applicable
+
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+
+AcqTyp
+Aff1
+Aff2
+Aff3
+Aff4
+
+N/A
+N/A
+N/A
+N/A
+N/A
+
+N/A
+N/A
+N/A
+N/A
+N/A
+
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+
+Bed1
+Bed2
+Bed3
+Bed4
+CICA
+Coop
+FeatureID
+FedInsbltyPlan
+Geog
+GSEREO
+IncRat
+Rent1
+Rent2
+Rent3
+Rent4
+RentUT1
+RentUT2
+RentUT3
+RentUT4
+SpcHSGGoals
+TractRat
+
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A

chunks/txt/b909ed24411c552f219e7ffda200878b3af660b1d46313c5c83115a01dbd7d0b.txt

@@ -0,0 +1,51 @@
+Informational
+
+These findings are for informational purposes. Informational severity
+findings will not impact the Document File Status or Document Status.
+
+Notification
+
+These findings are for informational purposes. Notification severity
+findings will not impact the Document File Status or Document Status.
+
+*Fannie Mae (FNM); Freddie Mac (FRE)
+
+Fannie Mae /
+
+Freddie Mac
+
+Fannie Mae /
+
+Freddie Mac
+
+Fannie Mae /
+
+Freddie Mac
+
+Fannie Mae
+
+Freddie Mac
+
+Tip: Severity ratings will vary by Finding Category. For example, System Findings only return “Fatal” and “Warning” severity
+ratings. Severity ratings are subject to change in future releases.
+
+© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.
+
+This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal
+Housing Finance Agency.
+
+Findings Categories
+
+Findings are organized into three categories:
+
+▪ System Findings focus on the completeness and validity of the submitted UAD 3.6 Appraisal ZIP File within UCDP.
+▪ UAD Compliance Findings verify that the submitted XML file adheres to UAD 3.6 specifications.
+▪ GSE Proprietary Findings provide feedback specific to each GSE’s unique appraisal report requirements.
+
+Tip: A comprehensive list of all finding messages that can return in the UAD 3.6 Submission Summary Report can be found on
+the GSEs’ UCDP web pages: Messaging Guide for UAD 3.6 | Fannie Mae and Messaging Guide for UAD 3.6 | Freddie Mac.
+
+System Findings
+
+UCDP System findings relate to the submission of a UAD 3.6 ZIP file to the GSEs through UCDP. This
+includes all the documents within the ZIP file and any of its components.

chunks/txt/b916d1ac8d541068230a1ea8507abf76d1519c9859099705a084639c1739f984.txt

@@ -0,0 +1,27 @@
+If a defect, damage, or deficiency is reported with a recommended action of completion, inspection, or repair
+
+•
+•
+
+the report must be made subject to the completion of the item and cannot be “as is”; and
+the condition status, if applicable, for the item must reflect the future “resolved” condition.
+
+Infestation, Dampness, or Settlement
+
+If the appraisal indicates evidence of infestation (such as wood-boring insects), dampness, or abnormal settlement, the appraisal
+must comment on the effect on the value and marketability of the subject property. The lender must either provide satisfactory
+evidence that the condition was corrected or submit a professionally prepared report indicating, based on an inspection of the
+property, that the condition does not pose any threat of structural damage to the improvements. The appraisal should be made
+"subject to" repairs, or "subject to" an inspection by a qualified professional.
+
+Appraisals Completed “As Is”
+
+Fannie Mae permits appraisals to be based on the “as is” condition of the property provided existing conditions are minor and do
+not affect the soundness or structural integrity of the property, and the appraiser’s opinion of value reflects the existence of these
+conditions.
+
+Minor conditions and deferred maintenance are typically due to normal wear and tear from the aging process and the occupancy
+of the property. While such conditions generally do not rise to the level of a required repair, they must be reported in the
+appropriate Defects, Damages, Deficiencies table, with a recommended action of “none”. Examples of minor conditions and
+deferred maintenance include worn floor finishes or carpet, minor plumbing leaks, holes in window screens, missing handrails, or
+cracked window glass.

chunks/txt/b919a67d174f64ec93f0718c4449359376430802ed29b00b605b36bf5720cb29.txt

@@ -0,0 +1,18 @@
+**Q4. Are there any file size limitations? And if so, does this vary by the submission method (manual upload or direct integration)?**
+
+UCD files submitted to Fannie Mae will be subject to limitations for manual upload and direct integration. The maximum file sizes are as follows:
+
+- User interface (single file) = 30 MB
+ - User interface (zip file) = 200 MB or a maximum of 50 loans files in a single batch file
+ - Direct integration (synchronous) = 30 MB
+ **Q5. Are there any requirements around which loans can be batched together (i.e., loans that have or have not been previously submitted)?**
+
+There are no limitations on which files can be batched together. However, Fannie Mae will require the Desktop Underwriter® (DU®) Casefile ID to be included in the UCD XML file for any loan that was underwritten by DU and is being delivered as a DU loan. Any loan that does not have a Casefile ID issued through DU will receive a Casefile ID from Fannie Mae upon submission of the UCD file. In the case of UCD file resubmissions, the file must include the DU-generated Casefile ID upon resubmission.
+
+**Q6. When a loan is part of a batch file submission and needs to be resubmitted, does the loan need to remain part of the original batch file?**
+
+No. Any UCD file may be resubmitted either as a single file or as part of another batch file submission. However, the DU-generated must be included in the resubmitted UCD XML file.
+
+**Q7. If a file is resubmitted will it overwrite the previous file that was submitted?**
+
+Yes. The previously submitted UCD file will be overwritten by the latest UCD XML file submission, provided both submissions are associated with the same Fannie Mae issued Casefile ID.

chunks/txt/b92087898e6d877a31a4e17df10935f7a78f17c7a77986a45986c46fed07ea33.txt

@@ -0,0 +1,45 @@
+[Mortgage Translations](/mortgage-translations)
+
+- [About Mortgage Translations](/mortgage-translations)
+ - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)
+ - [COVID-19 Resources](/mortgage-translations/covid-19-resources)
+ - [Interpretive Services](/mortgage-translations/interpretive-services)
+ - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)
+ - [Search Documents](/mortgage-translations/search)
+ - News Public Affairs
+
+- [News Releases](/news/news-release)
+ - [Statements](/news/statement)
+ - [Speeches](/news/speech)
+ - [Testimonies](/news/testimony)
+ - [Public Input](/public-input)
+ - [Blogs](/blog)
+ - [Fact Sheets](/news/fact-sheet)
+ - [FAQs](/faqs)
+ - [Partner Agency Engagements](/news/partner-agency-engagements)
+ - [Public Engagements](/news/public-engagements)
+ - [Videos](/media)
+
+Social Media
+
+- [Facebook](https://www.facebook.com/FHFA)
+ - [LinkedIn](https://www.linkedin.com/company/354523)
+ - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [X (formerly Twitter)](https://twitter.com/FHFA)
+ .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu
+
+## Breadcrumb
+
+- [Home](/)
+ - [Blogs](/blog)
+ - FHFA Mortgage Loan and Natural Disaster Dashboard Blog: A Case Study of Hurricane Beryl
+
+FHFA Statistics
+
+# FHFA Mortgage Loan and Natural Disaster Dashboard Blog: A Case Study of Hurricane Beryl
+
+Published:
+
+09/09/2024
+
+This week, FHFA released the [Mortgage Loan and Natural Disaster Dashboard](/data/dashboard/mortgage-loan-and-natural-disaster) that enables users to assess the impact of natural disaster risk on vulnerable communities as well as the distribution of physical hazard risk for 2022 loan acquisitions by FHFA’s regulated entities.

chunks/txt/b9209df4f45cdc39763425db2b4ce3edc877e261fab694d66b0a4984c931f55f.txt

@@ -0,0 +1,45 @@
+In order to include the extension containers within the MISMO_3_0.xsd file and have it validate
+correctly, a reference to an extension schema must be included with the MISMO_3_0.xsd file. Including
+the following file:
+
+ ULDD_Phase_3_Extension.xsd
+
+This allows the schema to load properly and place the extension containers in the proper
+location and validate. See section 5.12 Supporting Extensions in MISMO Version 3.0
+Reference Model for additional details.
+
+© 2018 Fannie Mae. Trademarks of Fannie Mae.
+
+June 2018 | 11 of 22
+
+5.1. XML Container Hierarchy
+
+There are many containers within the full MISMO Version 3.0 Reference Model; the ULDD only
+utilizes a subset. Figure 2 (below) provides a high-level overview of the MISMO Version 3.0 Reference
+Model and container hierarchy structure documented in the ULDD Specification.
+
+Figure 2 - MISMO Version 3.0 Reference Model - High - Level Container Hierarchy Overview
+
+In order to provide access to newer data points in the later versions of the MISMO Reference Model,
+extension containers are leveraged. This allows the data points to be represented in the MISMO
+Version 3.0 Reference Model. In ULDD Phase 3, extension containers are used to deliver updated
+borrower demographic information, as well as the Universal Loan Identifier.
+
+© 2018 Fannie Mae. Trademarks of Fannie Mae.
+
+June 2018 | 12 of 22
+
+XPath is used to navigate through elements
+and attributes in an XML document
+
+Extension for Universal Loan Identifier
+
+MESSAGE/DEAL_SETS/DE AL_SET/ DE ALS /DE AL/LOANS /LOAN /LOAN _IDE NTIFIE RS
+
+Root XPath
+
+LOAN_IDENTIFIER
+
+EXTENSION
+
+OTHER

chunks/txt/b92c5b4852097d046e2812880d7bba82edd2c9add7047dfffd33a6797e64d34d.txt

@@ -0,0 +1,34 @@
+(LOS), as needed.
+
+o
+
+Implement the LOS’s tested UCD v2.0 software changes as released.
+
+ When you have completed your independent testing, start submitting UCD v2.0 XML files in the GSEs’
+
+closing solutions production envrionments.
+
+ Review and address updated Phase 1-3 and new Phase 3B postponed and Phase 4 warning edits firing
+
+in production for your UCD v2.0 files.
+
+ Review the reporting available from the GSEs on Phase 3B postponed and Phase 4 critical edits to track
+
+your progress and readiness.
+
+ Circle back with your vendor(s) to resolve any remaining issues with the XML file.
+
+SEPTEMBER 29, 2025 — UCD V1.5 TO UCD V2.0 TRANSITION PERIOD BEGINS
+
+For more information on UCD, visit the Freddie Mac UCD webpage or the Fannie Mae UCD webpage.
+
+If you have questions or need further assistance, please contact your TSP account representative, the GSE
+technology integration teams, or submit your questions to our UCD mailboxes: UCD@FreddieMac.com or
+UCD@FannieMae.com. For production support call (800) FREDDIE or 1-800-2FANNIE.
+
+© 2025 Fannie Mae and Freddie Mac. Trademarks are property of their respective owners.
+
+June 2025
+
+This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by
+Fannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency

chunks/txt/b92d2c5d456d66d799013d1ab291a049c3d505c3a06741f19325f322e4f15259.txt

@@ -0,0 +1,114 @@
+Name of county or parish as defined by the state.
+Notes:
+•
+
+If the subject property is not located in any county (located in an
+independent city), enter the name of the local municipality or district in
+which the property is located. Examples: Baltimore City, Fairfax City.
+If the property is located in more than one county, provide the county
+that corresponds to the Physical Address, and provide further details in
+Appraisal Update Commentary (03.003).
+
+Not on
+Report
+
+This is an
+appraiser input
+that does not
+display
+
+Always required
+
+Yes | No
+
+Property in a Project
+•
+•
+
+Yes (the property is in a condominium, cooperative, or condop)
+No (the property is not in a condominium, cooperative, or condop)
+
+Appendix F-2: Appraisal Update Report Reference Guide
+
+Page 9 of 28
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+01 Subject Property
+
+Subject Property
+
+Report
+Field ID
+
+Not on
+Report
+
+Report Label
+
+When to Include
+
+Required if Property in
+a Project is Yes
+
+This is an
+appraiser input
+that does not
+display
+
+01.003 Property Rights
+
+Appraised
+
+Required if the
+property is not in a
+cooperative
+
+Allowable
+Answers / Format
+
+Choose an
+allowable answer
+from table (Project
+Legal Structure)
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+Definition / Additional Guidance
+
+Project Legal Structure
+
+Ownership interest in the property.
+•
+•
+•
+
+Fee Simple
+Leasehold
+Other (Describe)
+
+N/A
+
+See
+iGuide
+
+Always required
+
+Photo
+
+Property Photo: Photo of the property, typically the front.
+
+Allowable Answer
+
+Definition / Additional Guidance
+
+Project Legal Structure (Choose one)
+
+Condominium

chunks/txt/b94c254a8643f9a918ba9de38a2d9d65486166cbaa8a14104ee2eb24a8c2d67b.txt

@@ -0,0 +1,91 @@
+10.7.1
+10.8.1
+
+10.9.1
+
+-$ 10.5.2
+$ 10.6.2
+
+-$ 10.7.2
+-$ 10.8.2
+
+$ 10.9.2
+
+-$ 10.5.3 NO/YES 10.5.4 • See Deposit in Section L
+$ 10.6.3 NO/YES 10.6.4 • Your available funds from the loan amount have
+
+increased/decreased. this payment
+
+-$ 10.7.3 NO/YES 10.7.4 • See Seller Credit in Section L
+-$ 10.8.3 NO/YES 10.8.4 • See details in Sections K and L
+
+$
+
+Summaries of Transactions
+
+Use this table to see a summary of your transaction.
+
+BORROWER’S TRANSACTION
+
+SELLER’S TRANSACTION
+
+11.0 K. Due from Borrower at Closing
+11.1 Sale Price of Property
+11.2 Sale Price of Any Personal Property Included in Sale
+11.3 Closing Costs Paid at Closing (J)
+11.4 Liability Item
+11.5 Adjustments
+11.5.2 Closing Adjustment Item
+
+11.0.1
+11.1.1
+11.2.1
+11.3.1
+11.4.1
+
+$
+$
+$
+$
+$
+
+11.5.3
+
+$
+
+14.0 M. Due to Seller at Closing
+Sale Price of Property
+Sale Price of Any Personal Property Included in Sale
+
+11.5.4 Adjustments for Items Paid by Seller in Advance
+11.6 City/Town Taxes Date to Date
+11.7 County Taxes Date to Date
+11.8 Assessments Date to Date
+11.9 Additional Items Date to Date
+
+11.6.1
+11.7.1
+11.8.1
+11.9.1
+
+$
+$
+$
+$
+
+Adjustments for Items Paid by Seller in Advance
+City/Town Taxes to
+County Taxes to
+Assessments to
+Additional Items to
+
+12.0 L. Paid Already by or on Behalf of Borrower at Closing 12.0.1
+12.1.1
+12.1 Deposit
+12.2.1
+12.2 Loan Amount
+12.3 Existing Loan(s) Assumed or Taken Subject to
+12.3.1
+12.4 Proceeds of Subordinate Lien(s) Closing Adjustment Item 12.4.1
+12.5.1
+12.5 Seller Credit

chunks/txt/b94f69c79f00e5895db2c492aa38cb845f400e350534ae092c1d6c8dc6c07a58.txt

@@ -0,0 +1,71 @@
+/VALUATION_RESPONSE/PROPERTY/SITE/@HighestBestUseDescripti
+on
+
+Site Utility Public
+Indicator
+
+Indicates whether the utility specified by
+Site Utility Type is a public utility.
+
+/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='
+Electricity']/@_PublicIndicator
+
+Site Utility Non
+Public Indicator
+
+Indicates whether the utility specified by
+Site Utility Type is a non-public utility.
+
+/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='
+Electricity']/@_NonPublicIndicator
+
+4000
+
+String
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+This field should be populated if field 1-97
+(Highest and Best indicator = 'N') is indicated.
+
+1
+
+1
+
+Boolean
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Site Section
+A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that
+the box has not been checked.
+
+If no electric service is present, indicate 'None' in the description field.
+
+UAD Requirement - Refer to Appendix D Site Section
+A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that
+the box has not been checked.
+
+If no electric service is present, indicate 'None' in the description field.
+
+This field should be populated if field 1-93 (Site
+Zoning Compliance Type = 'NoZoning') is not
+indicated.
+
+This field should be populated if field 1-93 (Site
+Zoning Compliance Type = 'NoZoning') is not
+indicated.
+
+One and only one of fields 1-91, 1-92, 1-93, 1-
+94 (values of Site Zoning Compliance Type)
+should be indicated.
+One and only one of fields 1-91, 1-92, 1-93, 1-
+94 (values of Site Zoning Compliance Type)
+should be indicated.
+One and only one of fields 1-91, 1-92, 1-93, 1-
+94 (values of Site Zoning Compliance Type)
+should be indicated.
+One and only one of fields 1-91, 1-92, 1-93, 1-
+94 (values of Site Zoning Compliance Type)
+should be indicated.

chunks/txt/b959a253d50415b0c20ed5ed1aadd59b3b33a85bd4051f7f375ff02e757b0488.txt

@@ -0,0 +1,149 @@
+image/png
+
+Appraiser's License
+
+AssignmentExhibit
+
+\\Images\SF3_AppraiserLicense.png
+
+image/png
+
+Agricultural
+
+SiteInfluence
+
+\\Images\SF3_Influence.png
+
+image/png
+
+Pastoral
+
+View
+
+\\Images\SF3_View.png
+
+image/png
+
+RESNET Score
+
+EnergyEfficientAndGreenFeaturesExhibit
+
+\\Images\SF3_RESNETScore.png
+
+image/png
+
+DOE Score
+
+EnergyEfficientAndGreenFeaturesExhibit
+
+\\Images\SF3_DOEScore.png
+
+image/png
+
+OutbuildingExhibit
+
+\\Images\SF3_ADUFront.png
+
+image/png
+
+Rear View
+
+OutbuildingExhibit
+
+\\Images\SF3_ADUBack.png
+
+image/png
+
+AbsorptionRateGraph
+
+\\Images\SF3_AbsorptionRate.png
+
+image/png
+
+MedianDaysOnMarketGraph
+
+\\Images\SF3_MedianDaysOnMarket.png
+
+image/png
+
+PriceTrendGraph
+
+\\Images\SF3_PriceTrend.png
+
+image/png
+
+2019-09-08
+
+Physical
+
+Physical
+
+79
+
+true
+
+79
+
+799900
+
+825000
+
+2019-09-08
+
+XYZ 0387300
+
+2019-06-20
+
+Pending
+
+MLS
+
+58.712133
+
+-87.784970
+
+Route 7 to the north, Route 611 to the east and Route 50 to the south and west
+
+12
+
+Limiting factors of the market search include a Lot Size between 10 and 20 acres with a property containing an ADU. Above Grade Finished area of the primary dwelling in the range of 1,800 and 4,500 square feet, with between 3-5 bedrooms and 2-4 bathrooms. Vehicle Storage greater than or equal to a 2-car garage. Closing dates between 08/18/2018 and 08/30/2019. And, equivalent zoning that allows agricultural and residential use.
+
+15
+
+875000
+
+599900
+
+125
+
+810000
+
+ActiveListings
+
+3
+
+PendingSales
+
+34
+
+949999
+
+599900
+
+810000
+
+TotalSales
+
+ThreeToSixMonths
+
+InBalance
+
+false
+
+Neighborhood
+
+Unreal Farms-2 S.2 PCL.234200121102003 Z-495-2
+
+14.19
+
+LandWithDwelling

chunks/txt/b95b23ab4d712736557067e967405e61b9c1aa64364ab6f7fce8eb0cd481b705.txt

@@ -0,0 +1,38 @@
+<ASSET SequenceNumber="8" xlink:label="ASSET_8">
+
+:<LIABILITY SequenceNumber="1" xlink:label="LIABILITY_1">
+
+:<RELATIONSHIP SequenceNumber="9" xlink:from="ASSET_8" xlink:to="LIABILITY_1"
+xlink:arcrole="urn:fdc:mismo.org:2009:residential/ASSET_IsAssociatedWith_LIABILITY"/>
+
+Example 4 Example of attribute use in XML
+
+Refer to the ULAD Data Relationships using Xlink and MISMO ArcRoles Document and the ULAD
+ArcRoles tab in the ULAD Mapping document for more information on how to associate an Owned
+Property to a Liability.
+
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+25
+
+Section 4: Loan and Property Information
+This section is used to gather information on the loan and the subject property. The borrower is required
+to provide information on the purpose of the loan, the state where the property is located, the property’s
+number of units, and the intended occupancy.
+
+4a. Loan and Property Information
+
+Borrowers will indicate the loan amount requested and purpose of the loan, which could be either Purchase
+or Refinance. There are three types of occupancy on the URLA: (1) Primary Residence, (2) Second Home,
+and (3) Investment. The FHA Secondary Residence is used in addition to these values. The three values
+for the occupancy in the DU Spec are enumerated under the PropertyUsageType; however, if occupancy
+will be FHA Secondary Residence, set the PropertyUsageType=”PrimaryResidence” and use the
+FHASecondaryResidenceIndicator
+
+4b. Other New Mortgage Loans on the Property You are Buying or Refinancing
+
+Borrowers applying for additional loans secured by the subject property must provide the creditor’s
+information and type of lien(s) associated. For example, if the borrower is obtaining a new second mortgage
+at the same time they are obtaining the first subject mortgage, the information will be entered in this section.