diff --git a/chunks/txt/b76b2a04d842c78f3eb9e3487d7077b7565ff824616c619bd0f46d19f7356bd4.txt b/chunks/txt/b76b2a04d842c78f3eb9e3487d7077b7565ff824616c619bd0f46d19f7356bd4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b79121a4d0d9ef7699616a41138cce17d2cb08f3
--- /dev/null
+++ b/chunks/txt/b76b2a04d842c78f3eb9e3487d7077b7565ff824616c619bd0f46d19f7356bd4.txt
@@ -0,0 +1,226 @@
+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.
diff --git a/chunks/txt/b7816048349bc5ece9e61d93bbccb64837677c8d4f012446078242a580a59fd7.txt b/chunks/txt/b7816048349bc5ece9e61d93bbccb64837677c8d4f012446078242a580a59fd7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c956c2c69e7a0d268e085182fc84b2b63de7b637
--- /dev/null
+++ b/chunks/txt/b7816048349bc5ece9e61d93bbccb64837677c8d4f012446078242a580a59fd7.txt
@@ -0,0 +1,182 @@
+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
diff --git a/chunks/txt/b7a500f7e8ffa427c6ea2fcc82f3526df9a37b754388d51e2dd28a4d8e8ac09b.txt b/chunks/txt/b7a500f7e8ffa427c6ea2fcc82f3526df9a37b754388d51e2dd28a4d8e8ac09b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..57a72a2ae1e810f57a5d3e885b00a34c25b2499b
--- /dev/null
+++ b/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
diff --git a/chunks/txt/b7a870bedc4cbda6e7e3231264b3cf8fd897626d669b136f868c229fec42f642.txt b/chunks/txt/b7a870bedc4cbda6e7e3231264b3cf8fd897626d669b136f868c229fec42f642.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c9120cf8d9025bc8f083bc896176781ff3632abe
--- /dev/null
+++ b/chunks/txt/b7a870bedc4cbda6e7e3231264b3cf8fd897626d669b136f868c229fec42f642.txt
@@ -0,0 +1,106 @@
+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
diff --git a/chunks/txt/b7ae8e4ef0137aff139cc3fb959f18af6e7e713b974f37640675e8caf98d6c49.txt b/chunks/txt/b7ae8e4ef0137aff139cc3fb959f18af6e7e713b974f37640675e8caf98d6c49.txt
new file mode 100644
index 0000000000000000000000000000000000000000..92391d7773a1f54777b0df93707d443351cfcc4b
--- /dev/null
+++ b/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
diff --git a/chunks/txt/b7bfa67e87e5d53e03b681cae63a9921dc54e5ae62c03067b341a9f269b9433a.txt b/chunks/txt/b7bfa67e87e5d53e03b681cae63a9921dc54e5ae62c03067b341a9f269b9433a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cfa97bb61548a213866629321cda5c07ff23c586
--- /dev/null
+++ b/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
diff --git a/chunks/txt/b7c7cda03cd11cb7e2c5b2a3b23e4413ad405c3d42db49201484b07026848990.txt b/chunks/txt/b7c7cda03cd11cb7e2c5b2a3b23e4413ad405c3d42db49201484b07026848990.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c5ce8a9943a80f2442fc48a4424ddb5297d8f00d
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/b7d4cd2551b0c0183955823eb15d900540897e787cf05be7409077145d8afeaa.txt b/chunks/txt/b7d4cd2551b0c0183955823eb15d900540897e787cf05be7409077145d8afeaa.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f079314a3d01138b196c3f9661e9e047c4053fb9
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/b7d9cb342762f296c6106c707cb8f5e14562acff63f32e61c9037ff774bae57d.txt b/chunks/txt/b7d9cb342762f296c6106c707cb8f5e14562acff63f32e61c9037ff774bae57d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5ad8cc74076179565f918f5a82ca5cb4ed78afa7
--- /dev/null
+++ b/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
diff --git a/chunks/txt/b7e21dcbc26843920c694c7d1b6256b7018e47ea82b24a69cc9449818f4c5f4e.txt b/chunks/txt/b7e21dcbc26843920c694c7d1b6256b7018e47ea82b24a69cc9449818f4c5f4e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b92ff1c0c62aaed571fc013366bf8ff666f3ef1c
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/b7e5f84e47b6a470b28c796380435ab67ef295ea71b969b2f3a4a79722ba67bb.txt b/chunks/txt/b7e5f84e47b6a470b28c796380435ab67ef295ea71b969b2f3a4a79722ba67bb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..82c2e52f68e983f26d8e206a5c2a3dd84453c188
--- /dev/null
+++ b/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
diff --git a/chunks/txt/b8015716d571a01cd7403fdc5f118dcd4981057d4866e2e90c5609ff7e47bcdd.txt b/chunks/txt/b8015716d571a01cd7403fdc5f118dcd4981057d4866e2e90c5609ff7e47bcdd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ca1f3c331d3e00916c940c466fbaaecc8c15479f
--- /dev/null
+++ b/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)
diff --git a/chunks/txt/b808c3850b9aa4c9683a41562089eaccb63dfc07a0672fa0dae989843d909aa1.txt b/chunks/txt/b808c3850b9aa4c9683a41562089eaccb63dfc07a0672fa0dae989843d909aa1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2178d35de49a90c799d7a402466a1d22343a333b
--- /dev/null
+++ b/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
diff --git a/chunks/txt/b81383fe987d973e191e4ccc339c6881f9ade6d400193373010d602a9c6b83a9.txt b/chunks/txt/b81383fe987d973e191e4ccc339c6881f9ade6d400193373010d602a9c6b83a9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..08828c71f28e4d3f55d794515fa4104d0115eb01
--- /dev/null
+++ b/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
diff --git a/chunks/txt/b8196eb0c8772f8f34ec12efa237669d796ab5789242f8815df0cf39f1859697.txt b/chunks/txt/b8196eb0c8772f8f34ec12efa237669d796ab5789242f8815df0cf39f1859697.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c35df2ed44b25664b97817f3fec3496272556051
--- /dev/null
+++ b/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)
diff --git a/chunks/txt/b81a9701d0c9d0a27014ec9c5dbfac260d030c02c3d00d7e657a23b19052735b.txt b/chunks/txt/b81a9701d0c9d0a27014ec9c5dbfac260d030c02c3d00d7e657a23b19052735b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c6483716d014142e69b2444bc9a07b01865de3c1
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/b8363dd807cdb81df71fcf8f6bbb2e269d812191da71a7a2fdf5e6ba24fcbeff.txt b/chunks/txt/b8363dd807cdb81df71fcf8f6bbb2e269d812191da71a7a2fdf5e6ba24fcbeff.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7c13b8dc9702fa357de18f02803a37d63cca1eab
--- /dev/null
+++ b/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
diff --git a/chunks/txt/b8492fb49b05c55ca93fcf48926aa481a7a7d885bb982601b52fdbb7d8838fb9.txt b/chunks/txt/b8492fb49b05c55ca93fcf48926aa481a7a7d885bb982601b52fdbb7d8838fb9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ff0d14d8fdfc5ae2be9ae9a26481819dd1ab2247
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/b84bcbde49d8df4223013dcc36abc5bfe5874b3c544fb79a4cb2f1a8c0578c6d.txt b/chunks/txt/b84bcbde49d8df4223013dcc36abc5bfe5874b3c544fb79a4cb2f1a8c0578c6d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..26b5aea7c0d1b82d58aa90d4872ad943c96b60c9
--- /dev/null
+++ b/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
diff --git a/chunks/txt/b84ec29dcd1a1d3f87f33daea75f0d2bfe4939d4960f21dac8811b556fa9cf4f.txt b/chunks/txt/b84ec29dcd1a1d3f87f33daea75f0d2bfe4939d4960f21dac8811b556fa9cf4f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..54f0ecc746e71d340bbbf132f3ad4dede508a870
--- /dev/null
+++ b/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
diff --git a/chunks/txt/b8526cca14035b35b7dbcb20b41b552c9b512ae26fc85ebe7465704cdc8efca8.txt b/chunks/txt/b8526cca14035b35b7dbcb20b41b552c9b512ae26fc85ebe7465704cdc8efca8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..005a3cae23d5238f9dfb757111289a9e80fda5fe
--- /dev/null
+++ b/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
diff --git a/chunks/txt/b855e6ab15624b2961edaea63a3658eb828ee3f49c9b23c5122fca2769ab7bf9.txt b/chunks/txt/b855e6ab15624b2961edaea63a3658eb828ee3f49c9b23c5122fca2769ab7bf9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5943809a61915eae3ce255079256408934e97901
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/b85e30cc00d7c455e368c2883596223c3aa4672284ee60ba3a08098dd319c7be.txt b/chunks/txt/b85e30cc00d7c455e368c2883596223c3aa4672284ee60ba3a08098dd319c7be.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1cce9d7264141c736e5e24b40fd515a3dbf9c304
--- /dev/null
+++ b/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
diff --git a/chunks/txt/b8797cd32409299283fb8fe89321805591d18e7906a92ddb86bbb6564507d8f8.txt b/chunks/txt/b8797cd32409299283fb8fe89321805591d18e7906a92ddb86bbb6564507d8f8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b26a835b2ba985133fde50068b7bd4a456c743ef
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/b87ae98083c6ecb3f421594836acfe1133d044764377a1000373a2978948377a.txt b/chunks/txt/b87ae98083c6ecb3f421594836acfe1133d044764377a1000373a2978948377a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..13fe05205f0188e585e173b00aef861ed469e1fb
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/b8893cb8f7382b902ee23b5d81960793bed85c383e0c8eddbe046b13046c9890.txt b/chunks/txt/b8893cb8f7382b902ee23b5d81960793bed85c383e0c8eddbe046b13046c9890.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f5f0426edc2dc7abdc75249791a1518ba342ca89
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/b88e7d72b8d5257d6096f2ceb3e2e4ffc8d6ee6b6d84bff63dbee504db92c6c7.txt b/chunks/txt/b88e7d72b8d5257d6096f2ceb3e2e4ffc8d6ee6b6d84bff63dbee504db92c6c7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ed95c01919ef323d9a406f877b5c5497bad50225
--- /dev/null
+++ b/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
diff --git a/chunks/txt/b88f5e64f2ca82a4880c1cd1a60ee7541885a6116eebaba6bf7601ba911edc75.txt b/chunks/txt/b88f5e64f2ca82a4880c1cd1a60ee7541885a6116eebaba6bf7601ba911edc75.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b59d340630e4f964c33da77cfc674ece51356efa
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/b8a1c125bbf32ab74c775ea5a6c1837fed400a0dc67390b6837f1d8147f94270.txt b/chunks/txt/b8a1c125bbf32ab74c775ea5a6c1837fed400a0dc67390b6837f1d8147f94270.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e28277af470375005f00cdf27474999632125e3c
--- /dev/null
+++ b/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
diff --git a/chunks/txt/b8aaa0e8b6e41f5eb1431bb43bbeaa65576d3d2c9ad249a34c80c7c43d5f5dda.txt b/chunks/txt/b8aaa0e8b6e41f5eb1431bb43bbeaa65576d3d2c9ad249a34c80c7c43d5f5dda.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f25fa27448fd09812936c98b875ffea3971ee0fb
--- /dev/null
+++ b/chunks/txt/b8aaa0e8b6e41f5eb1431bb43bbeaa65576d3d2c9ad249a34c80c7c43d5f5dda.txt
@@ -0,0 +1,5 @@
+Footer Text .......................................................................................................................................................... 16
+
+Section Headings ........................................................................................................................................... 18
+
+TITLE – Report Title ............................................................................................................................................. 18
diff --git a/chunks/txt/b8b16c83773c3a2d922315e2e63c05df4b142c4e1c59a4c6d5a10a624176de1d.txt b/chunks/txt/b8b16c83773c3a2d922315e2e63c05df4b142c4e1c59a4c6d5a10a624176de1d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b0fd5e05d21ff33fe3efbab310c2c571a82c2b6a
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/b8b17e9b1a16307d144182769999ccf9d4f363ef84d31f67950843f1f1f2bf94.txt b/chunks/txt/b8b17e9b1a16307d144182769999ccf9d4f363ef84d31f67950843f1f1f2bf94.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e1d65064dc66e41d43d08e11a368e972869b9e6f
--- /dev/null
+++ b/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
diff --git a/chunks/txt/b8b880a46cc7be87a1960c20fd2465bf940c8946864958bafcb02cd16cef3287.txt b/chunks/txt/b8b880a46cc7be87a1960c20fd2465bf940c8946864958bafcb02cd16cef3287.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ac0f950700f19f8931569746afc99019a00d9f11
--- /dev/null
+++ b/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
diff --git a/chunks/txt/b8ce06aa6b2ad2b9174110cfb03cafbf706c4c11d92d7523f506b9024a8d7fde.txt b/chunks/txt/b8ce06aa6b2ad2b9174110cfb03cafbf706c4c11d92d7523f506b9024a8d7fde.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9fe3d823eda2f63cc12ce34d254b027370db5697
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/b8d3bcc6dee06a8ee8345b4b774e1229890f4f3ed9002ebe66221c81349ac740.txt b/chunks/txt/b8d3bcc6dee06a8ee8345b4b774e1229890f4f3ed9002ebe66221c81349ac740.txt
new file mode 100644
index 0000000000000000000000000000000000000000..953faedf08c22ca7ccbec97371db18b1f97c4556
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/b8d6fa0fbb784a06cc72cb868804bf1aa7df533a447a4f3c4630e5ba042c12e2.txt b/chunks/txt/b8d6fa0fbb784a06cc72cb868804bf1aa7df533a447a4f3c4630e5ba042c12e2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c4e1aa9c58f44e674b264331fa4ca926f4c5608c
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/b8df8bfc6cfc50a433d900970c0c7105f71b957565d6994c7ce766bf14bffe95.txt b/chunks/txt/b8df8bfc6cfc50a433d900970c0c7105f71b957565d6994c7ce766bf14bffe95.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bc8ecd3d0d45cd48ad652cf540d1d053d6a173d9
--- /dev/null
+++ b/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
diff --git a/chunks/txt/b8f31328ee2984a6c8f36a5b2514eeda2faebc5fded8c7cdcf1a057fa7aba5cb.txt b/chunks/txt/b8f31328ee2984a6c8f36a5b2514eeda2faebc5fded8c7cdcf1a057fa7aba5cb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f7e6162f6a9897026b2ea0acbbccd8751795abf6
--- /dev/null
+++ b/chunks/txt/b8f31328ee2984a6c8f36a5b2514eeda2faebc5fded8c7cdcf1a057fa7aba5cb.txt
@@ -0,0 +1 @@
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/1","currentPathIsAdmin":false,"isFront":true,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"top_nav_menu":[{"\/#all-topics-header":"usa-nav__topics"},{"\/about-the-us":"usa-nav__about"},{"\/money":"usa-nav__money"},{"\/laws-and-legal-issues":"usa-nav__law"},{"\/scams-and-fraud":"usa-nav__scams"},{"\/benefits":"usa-nav_benefits"},{"\/housing-help":"usa-nav_housing"},{"\/immigration-and-citizenship":null},{"\/taxes":"usa-nav_taxes"},{"\/travel":"usa-nav_travel"},{"\/voting-and-elections":null}],"user":{"uid":0,"permissionsHash":"7305919e0d31d85b27a57f0f58e02d77182231e92328f41207eaf2e6537ef320"}} // Set a variable for our button element. const scrollToTopButton = document.getElementById('back-to-top'); // Let's set up a function that shows our scroll-to-top button if we scroll beyond the height of the initial window. const scrollFunc = () => { // Get the current scroll value let y = window.scrollY; // If the scroll value is greater than the window height, let's add a class to the scroll-to-top button to show it! if (y > 500) { scrollToTopButton.className = "stuck"; } else { scrollToTopButton.className = ""; } }; window.addEventListener("scroll", scrollFunc); const scrollToTop = () => { // Let's set a variable for the number of pixels we are from the top of the document. const c = document.documentElement.scrollTop || document.body.scrollTop; // If that number is greater than 0, we'll scroll back to 0, or the top of the document. // We'll also animate that scroll with requestAnimationFrame: // https://developer.mozilla.org/en-US/docs/Web/API/window/requestAnimationFrame if (c > 0) { window.requestAnimationFrame(scrollToTop); // ScrollTo takes an x and a y coordinate. // Increase the '10' value to get a smoother/slower scroll! window.scrollTo(0, c - c / 10); } }; // When the button is clicked, run our ScrolltoTop function above! // scrollToTopButton.onclick = function(e) { // e.preventDefault(); // scrollToTop(); // } /*<![CDATA[*/ (function() { var sz = document.createElement('script'); sz.type = 'text/javascript'; sz.async = true; sz.src = '//siteimproveanalytics.com/js/siteanalyze_51567.js'; var s = document.getElementsByTagName('script')[0]; s.parentNode.insertBefore(sz, s); })(); /*]]>*/ document.querySelectorAll(".usa-accordion__content").forEach((accordionContent) => { accordionContent.onbeforematch = () => { //accordionContent.removeAttribute("hidden"); document.querySelector("[aria-controls='"+accordionContent.id+"']").setAttribute("aria-expanded", "true"); }; }); // Select the node that will be observed for mutations //<![CDATA[ var targetNode = document.getElementById('main-content'); // Options for the observer (which mutations to observe) var config = { attributes: true, childList: true, subtree: true }; // Callback function to execute when mutations are observed var callback = function(mutationsList, observer) { // Use traditional 'for loops' for IE 11 for(let mutation of mutationsList) { if (mutation.type === 'childList') { // console.log('A child node has been added or removed.'); document.querySelector(".QSIUserDefinedHTML")?.children[0].removeAttribute("tabindex"); // Later, you can stop observing //observer.disconnect(); }else if (mutation.type === 'attributes') { //console.log('The ' + mutation.attributeName + ' attribute was modified.'); document.querySelectorAll(".usa-accordion__content[hidden='']").forEach((hiddenAccordion) => { hiddenAccordion.setAttribute("hidden", "until-found"); }); } } }; // Create an observer instance linked to the callback function var observer = new MutationObserver(callback); // Start observing the target node for configured mutations observer.observe(targetNode, config); //]]>
diff --git a/chunks/txt/b8fdc1d89c8a3570015ae2e20686be9b59f2ad23d1dbfc61e923d21b94e36cc7.txt b/chunks/txt/b8fdc1d89c8a3570015ae2e20686be9b59f2ad23d1dbfc61e923d21b94e36cc7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d3217ce86610cf592379fb0223bfffa85db94ea1
--- /dev/null
+++ b/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
diff --git a/chunks/txt/b909ed24411c552f219e7ffda200878b3af660b1d46313c5c83115a01dbd7d0b.txt b/chunks/txt/b909ed24411c552f219e7ffda200878b3af660b1d46313c5c83115a01dbd7d0b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ca0b0e0d440b1705546f72cfd0e4a3889fedb4a0
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/b916d1ac8d541068230a1ea8507abf76d1519c9859099705a084639c1739f984.txt b/chunks/txt/b916d1ac8d541068230a1ea8507abf76d1519c9859099705a084639c1739f984.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1da4e1950cfd6c45044d1d5bc620dfe39260db38
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/b919a67d174f64ec93f0718c4449359376430802ed29b00b605b36bf5720cb29.txt b/chunks/txt/b919a67d174f64ec93f0718c4449359376430802ed29b00b605b36bf5720cb29.txt
new file mode 100644
index 0000000000000000000000000000000000000000..220a7bbff5393801b1b8848521f87e0967de8249
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/b92087898e6d877a31a4e17df10935f7a78f17c7a77986a45986c46fed07ea33.txt b/chunks/txt/b92087898e6d877a31a4e17df10935f7a78f17c7a77986a45986c46fed07ea33.txt
new file mode 100644
index 0000000000000000000000000000000000000000..98a2d9558d5f27108693153cd45a33b5c64e75a8
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/b9209df4f45cdc39763425db2b4ce3edc877e261fab694d66b0a4984c931f55f.txt b/chunks/txt/b9209df4f45cdc39763425db2b4ce3edc877e261fab694d66b0a4984c931f55f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e8d6d42b90132ed53b098ca464ca297505062654
--- /dev/null
+++ b/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
diff --git a/chunks/txt/b92c5b4852097d046e2812880d7bba82edd2c9add7047dfffd33a6797e64d34d.txt b/chunks/txt/b92c5b4852097d046e2812880d7bba82edd2c9add7047dfffd33a6797e64d34d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..25cbec74ae72e709277f22890a087a57a5e3b689
--- /dev/null
+++ b/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
diff --git a/chunks/txt/b92d2c5d456d66d799013d1ab291a049c3d505c3a06741f19325f322e4f15259.txt b/chunks/txt/b92d2c5d456d66d799013d1ab291a049c3d505c3a06741f19325f322e4f15259.txt
new file mode 100644
index 0000000000000000000000000000000000000000..49d1bc5db367777aa4360e6bf1c052417f025cad
--- /dev/null
+++ b/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
diff --git a/chunks/txt/b94c254a8643f9a918ba9de38a2d9d65486166cbaa8a14104ee2eb24a8c2d67b.txt b/chunks/txt/b94c254a8643f9a918ba9de38a2d9d65486166cbaa8a14104ee2eb24a8c2d67b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f6939c19e6c5c9bd309bb21b93c695f124d56a23
--- /dev/null
+++ b/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
diff --git a/chunks/txt/b94f69c79f00e5895db2c492aa38cb845f400e350534ae092c1d6c8dc6c07a58.txt b/chunks/txt/b94f69c79f00e5895db2c492aa38cb845f400e350534ae092c1d6c8dc6c07a58.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7eb4cfe639b85ab41688390c45665d85e40f65d1
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/b959a253d50415b0c20ed5ed1aadd59b3b33a85bd4051f7f375ff02e757b0488.txt b/chunks/txt/b959a253d50415b0c20ed5ed1aadd59b3b33a85bd4051f7f375ff02e757b0488.txt
new file mode 100644
index 0000000000000000000000000000000000000000..81f1efac52cb8b30abe84db9477a47e75e614dba
--- /dev/null
+++ b/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
diff --git a/chunks/txt/b95b23ab4d712736557067e967405e61b9c1aa64364ab6f7fce8eb0cd481b705.txt b/chunks/txt/b95b23ab4d712736557067e967405e61b9c1aa64364ab6f7fce8eb0cd481b705.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1d25d8e14980258a6b92a53343aca7f967b317bd
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/b960f615c1337f34855852bcd63c72abc2f954b644439a2b3c9af524e178fd29.txt b/chunks/txt/b960f615c1337f34855852bcd63c72abc2f954b644439a2b3c9af524e178fd29.txt
new file mode 100644
index 0000000000000000000000000000000000000000..76b47c1e804a6543f6afda9538db8c119feb1ced
--- /dev/null
+++ b/chunks/txt/b960f615c1337f34855852bcd63c72abc2f954b644439a2b3c9af524e178fd29.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/reports/annual-report-to-congress"
+date_accessed: "2026-01-27T17:47:57.749Z"
+---
+
+> *[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)
diff --git a/chunks/txt/b9711c38cb7917a9e8699b0984d0bfa5cda7254c5542066c9d9dfed5592dc07d.txt b/chunks/txt/b9711c38cb7917a9e8699b0984d0bfa5cda7254c5542066c9d9dfed5592dc07d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bf5102208d08d1ed702fdc8ac3724fe90efe5b04
--- /dev/null
+++ b/chunks/txt/b9711c38cb7917a9e8699b0984d0bfa5cda7254c5542066c9d9dfed5592dc07d.txt
@@ -0,0 +1,60 @@
+The ceiling heights do not meet the typical market standards, and / or impact the livability of the dwelling.
+
+The floor plan does not meet the typical market standards, and / or impacts the livability of the dwelling.
+
+The improvements significantly differ from other properties in the surrounding area (e.g., age, style, size, use).
+
+A component or characteristic that is not fully valued by the market due to exceeding typical expectations in comparison
+to other properties, so as to create diminishing return on improvements.
+
+Underimprovement
+
+A component or characteristic that does not rise to the level of typical expectations as compared to other properties, so as
+to create diminishing return on improvements.
+
+Other (Describe)
+
+Select Other to enter an answer that is not in the above list.
+
+Functional Obsolescence Exhibits
+
+All photos or images related to the Functional Obsolescence section are displayed in the Functional
+Obsolescence Exhibits subsection. If there are no photos or images, this subsection does not display.
+
+Functional Obsolescence Exhibits
+
+Report
+Field ID
+
+See
+iGuide
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+If applicable
+
+Photos or images
+
+Functional
+Obsolescence
+Exhibits
+
+Photos or images relevant to the Functional Obsolescence section may be
+provided, which display in Functional Obsolescence Exhibits. If the photo or
+image is not specifically indicated above, provide caption to further identify the
+photo or image.
+
+Appendix F-1: URAR Reference Guide
+
+Page 149 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
diff --git a/chunks/txt/b97e5bb20145ca408542bd80cb52cadc75c7432b3e6fd6e82d8c49ddc1709b88.txt b/chunks/txt/b97e5bb20145ca408542bd80cb52cadc75c7432b3e6fd6e82d8c49ddc1709b88.txt
new file mode 100644
index 0000000000000000000000000000000000000000..19eec21d7bed8c2a7ffd857686975cca02d0fe7b
--- /dev/null
+++ b/chunks/txt/b97e5bb20145ca408542bd80cb52cadc75c7432b3e6fd6e82d8c49ddc1709b88.txt
@@ -0,0 +1,78 @@
+Loan Costs
+
+7.0
+
+Borrower-Paid
+
+Seller-Paid
+
+At Closing
+
+Before Closing
+
+At Closing
+
+Before Closing
+
+7.1 A. Origination Charges
+
+7.1.1 $1,802.00
+
+01 7.2.1 0.25% of Loan Amount 7.2 (Points)
+
+7.2.2
+
+$405.00 7.2.3
+
+02 7.3 Loan Originator Compensation 7.3.1to TPO, Ltd. 7.3.2
+
+7.3.3
+
+7.2.4
+
+7.3.4
+
+7.2.5
+
+7.3.5
+
+Paid by
+Others
+
+7.2.6
+
+7.3.6 (L)
+$1,215.00
+
+03
+
+Borrower Application Fee
+
+04 Underwriting Fee
+
+$300.00
+
+$1,097.00
+
+Figure 77. Loan Costs Table – Origination Charge Line Items
+
+7. 2 LOAN DI SCOUNT POI NTS UPDATED
+
+7.2.1 “___% of Loan Amount 7.2 (Points)” must always be present in the Loan Costs table as the first itemized
+fee. This is a break from the general pattern for disclosing line items. If there are no loan discount points in the
+transaction, “0” must be disclosed. When loan discount points are included in the transaction, both the
+percentage of the Loan Amount and the calculated dollar amount must be disclosed.
+
+For example: The preceding figure illustrates that the borrower paid 0.25 percent of the loan amount in points
+(which was calculated to be $405) at closing (7.2.2).
+
+When discount points are paid as part of the transaction, up to three8 additional GSE-Specific data points in
+support of ATR/QM must also be provided:
+
+1. Regulation Z Excluded Bona Fide Discount Points Indicator is required. If “true”:
+
+a. Regulation Z Excluded Bona Fide Discount Points Percent and
+
+b. Loan Price Quote Interest Rate Percent must also be included in the UCD XML file.
+
+8 The GSEs no longer require RegulationZPointsAndFeesIndicator with discount points. It has been removed from Table 95.
diff --git a/chunks/txt/b97fafc6cb61fbc2acbf9fbe286fe72aad97ee03f87bf7536fb88d7a10d0ac4a.txt b/chunks/txt/b97fafc6cb61fbc2acbf9fbe286fe72aad97ee03f87bf7536fb88d7a10d0ac4a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..673d28205768667808ab1ab7aeaab6c9ab722667
--- /dev/null
+++ b/chunks/txt/b97fafc6cb61fbc2acbf9fbe286fe72aad97ee03f87bf7536fb88d7a10d0ac4a.txt
@@ -0,0 +1,37 @@
+[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/condition-and-quality-rating-definitions-pdf)
+
+##### Partner Playbook
+
+Designed to help industry partners prepare for the UAD 3.6 and Forms Redesign.
+
+[Learn More **](https://singlefamily.fanniemae.com/media/34686/display)
+
+##### Servicer Preparedness
+
+Prepares servicers for the transition for UAD 3.6.
+
+[Learn More **](/media/document/pdf/uniform-appraisal-dataset-faqs-servicers)
+
+##### Inspection and Reporting Tips
+
+Appraisers, education providers, and software vendors should review this document to understand key differences between UAD 2.6 and UAD 3.6
+
+[Learn more **](/media/43946/display)
+
+- 1
+- 2
+- 3
+- 4
+- 5
+- 6
+- 7
+- 8
+- 9
+- 10
+- 11
+- 12
+- 13
+
+**
+
+**
diff --git a/chunks/txt/b985b9a0be639b0248fc1d53828ad0aec3b36c397ffdca27763a6b753e7af83f.txt b/chunks/txt/b985b9a0be639b0248fc1d53828ad0aec3b36c397ffdca27763a6b753e7af83f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bbd0ea329d40109ff02b75017c0110fe9f6cdf9a
--- /dev/null
+++ b/chunks/txt/b985b9a0be639b0248fc1d53828ad0aec3b36c397ffdca27763a6b753e7af83f.txt
@@ -0,0 +1,135 @@
+MISMO v3.3.0 Value
+
+Notes
+
+First Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY
+
+8.1.1 E. Taxes and Other
+Government Fees –
+Borrower-Paid ($)
+
+…/INTEGRATED_DISC
+LOSURE_SECTION_S
+UMMARY/INTEGRAT
+ED_DISCLOSURE_SEC
+TION_SUMMARY_DE
+TAIL
+
+IntegratedDisclosure
+SectionTotalAmount
+
+985.00
+
+8.1
+
+E. Taxes and Other
+Government Fees
+
+IntegratedDisclosure
+SectionType
+
+TaxesAndOtherGover
+nmentFees
+
+Provide a value of
+“0.00” if there are no
+charges for this
+category
+ROF as “$985.00”
+
+ROF as “E. Taxes and
+Other Government
+Fees”
+
+Second Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY
+
+Appendix E: UCD Implementation Guide
+
+Page 124 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+8.0 Other Costs Table
+
+Table 98. Other Costs Table Category and Subcategory Data
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+
+Point/Attribute MISMO v3.3.0 Value
+
+Notes
+
+8.4.1 F. Prepaids –
+
+Borrower-Paid ($)
+
+…/INTEGRATED_DISC
+LOSURE_SECTION_S
+UMMARY/INTEGRAT
+ED_DISCLOSURE_SEC
+TION_SUMMARY_DE
+TAIL
+
+IntegratedDisclosure
+SectionTotalAmount
+
+1598.00
+
+Provide a value of
+“0.00” if there are no
+charges for this
+category
+ROF as “$1,598.00”
+
+8.4
+
+F. Prepaids
+
+IntegratedDisclosure
+SectionType
+
+Prepaids
+
+ROF as “F. Prepaids”
+
+Third Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY
+
+8.10.1
+
+G. Initial Escrow
+Payment at Closing –
+Borrower-Paid ($)
+
+8.10
+
+G. Initial Escrow
+Payment at Closing
+
+…/INTEGRATED_DISC
+LOSURE_SECTION_S
+UMMARY/INTEGRAT
+ED_DISCLOSURE_SEC
+TION_SUMMARY_DE
+TAIL
+
+IntegratedDisclosure
+SectionTotalAmount
+
+619.65
+
+IntegratedDisclosure
+SectionType
+
+InitialEscrowPayment
+AtClosing
+
+Fourth Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY
diff --git a/chunks/txt/b98957aa68448455dd07a5e449b941df79415c255351f5908af579fbb82c6c1c.txt b/chunks/txt/b98957aa68448455dd07a5e449b941df79415c255351f5908af579fbb82c6c1c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6b3ee390cf1f547e4eb1a0614934c931cf1ed3f6
--- /dev/null
+++ b/chunks/txt/b98957aa68448455dd07a5e449b941df79415c255351f5908af579fbb82c6c1c.txt
@@ -0,0 +1,63 @@
+• 1004/70
+
+• 1004 Hybrid/70H
+
+• 1004 Desktop/70D
+
+• 2055/2055
+
+• 1073/465
+
+• 1073 Hybrid/465H
+
+• 1073 Desktop/465D
+
+• 1075/466
+
+Additionally, the appraiser must provide the
+DOM for each comparable sale for the latest
+time period that the property was listed or
+advertised for sale. DOM is defined as the total
+number of continuous days from the date that
+a property is listed or advertised for sale until
+the date that it is taken off the market or sold.
+DOM applies not only to properties that are
+listed in the MLS, but also applies to
+properties marketed for sale outside MLS. If
+the comparable property was not individually
+listed or advertised for sale, enter the numeral
+zero (0). If the DOM is unknown, enter ‘Unk’.
+The appraiser may report any other relevant
+information regarding the length of time that a
+property was offered for sale, including
+cumulative days on market elsewhere in the
+appraisal report.
+
+Reporting Format:
+Data Source(s) – Abbreviated MLS#Listing
+Identifier or Text DOM – Numeric to 4 digits,
+whole numbers only
+The PDF creator will automatically insert a
+semicolon to separate the data values and
+print the letters ‘DOM’ prior to the response.
+
+Examples: MRIS#AA123456789;DOM 220
+
+MRIS#BB123456789;DOM Unk
+
+Page 35 of 68
+
+Appendix A: GSE Appraisal Forms Mapping
+
+Document Version 1.5
+
+© 2022 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.
+
+• 1004/70
+
+REQUIREMENT
+
+• 1004 Hybrid/70H
diff --git a/chunks/txt/b98a59ff34431d4133805e8dbabef0040fb53bb1d525909435229a45a0cb3831.txt b/chunks/txt/b98a59ff34431d4133805e8dbabef0040fb53bb1d525909435229a45a0cb3831.txt
new file mode 100644
index 0000000000000000000000000000000000000000..423e2a0693381a306e94898fcd882137ef172faa
--- /dev/null
+++ b/chunks/txt/b98a59ff34431d4133805e8dbabef0040fb53bb1d525909435229a45a0cb3831.txt
@@ -0,0 +1,23 @@
+6. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal
+report.
+
+7. I meet the credential requirements for this assignment as of the date of this appraisal report and have knowledge and experience in
+appraising this type of property in this market area.
+
+8. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax
+assessment records, public land records, and other such data sources for the area in which the property is located.
+
+9. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources
+that I believe to be true and correct.
+
+10. I did not personally perform an onsite inspection of the subject property as part of this appraisal assignment. I reported the condition of
+the improvements in factual, specific terms, relying on subject property information data sources I considered reliable. I reported any known
+physical deficiencies that could affect the soundness or structural integrity of the property.
+
+11. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were
+adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal
+report was transmitted.
+
+12. Using information available in the normal course of business, I researched, verified, analyzed, and reported on any current agreement for
+sale for the subject property, any offering for sale of the subject property in the twelve months prior to the effective date of this appraisal, and
+the prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal.
diff --git a/chunks/txt/b98eb5878e105406534034c20382e1d596a7d27d53dae854b403881dcdf09ea1.txt b/chunks/txt/b98eb5878e105406534034c20382e1d596a7d27d53dae854b403881dcdf09ea1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bc2bcc70c5cb5c8bf455ff3c0261cf08757c498c
--- /dev/null
+++ b/chunks/txt/b98eb5878e105406534034c20382e1d596a7d27d53dae854b403881dcdf09ea1.txt
@@ -0,0 +1,215 @@
+Furnished
+
+[Unit
+Identifier]
+
+TXC-B
+
+Description of Rent Control and Impact to Value/Marketability
+
+H2-1
+
+Actual Income (Monthly)
+
+H2-1
+
+Opinion of Market Income (Monthly)
+
+TCH
+TB-I
+TB-B
+
+TCH
+TB-I
+TB-B
+
+Rent
+
+[Unit Identifier]
+
+Subtotal
+
+Other Real Property Rental Income
+
+Subtotal
+
+TB_sub-H1-R
+
+Total
+
+H1
+
+Comparable Rental Properties
+
+TCH
+TB-I
+TB-B
+
+TCH
+TB-I
+TB-B
+
+Rent
+
+[Unit Identifier]
+
+Subtotal
+
+Other Real Property Rental Income
+
+Subtotal
+
+TB_sub-H1-R
+
+Total
+
+TB-B
+
+Subject Property
+
+Comparable #
+
+Comparable #
+
+Comparable #
+
+Comparable #
+
+Comparable #
+
+Data Source:
+
+Data Source:
+
+Data Source:
+
+Data Source:
+
+Data Source:
+
+Lease Start Date:
+
+Lease Start Date:
+
+Lease Start Date:
+
+Lease Start Date:
+
+Lease Start Date:
+
+Actual Rent:
+
+Actual Rent:
+
+Actual Rent:
+
+Actual Rent:
+
+Actual Rent:
+
+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
+
+H1
+
+Comparable Rental Analysis
+
+2 COLUMN PAGE FORMAT
+
+HDR-R
+
+Subject
+[Unit
+Identifier]
+
+Comparables
+
+#
+
+#
+
+#
+
+Subject
+[Unit
+Identifier]
+
+Comparables
+
+#
+
+#
+
+#
+
+Subject
+[Unit
+Identifier]
+
+Comparables
+
+#
+
+#
+
+#
+
+Subject
+[Unit
+Identifier]
+
+Comparables
+
+#
+
+#
+
+#
+
+TCH
+
+TCH
+TB
+
+Proximity to Subject
+
+Neighborhood Name
+
+Project Name
+
+Project Common
+Amenities/Services
+
+Site Influence
+
+View from Unit
+
+Floor Number
+
+Site Size
+
+Grade Level
+
+Interior Condition
+
+Bedrooms
+
+Baths - Full | Half
+
+Finished Area
+
+Furnished
+
+Utilities/Services
+Included
+
+Rent Control
+
+Rent Concessions
+
+Vehicle Storage | Spaces
diff --git a/chunks/txt/b99087ecb584558768f1efd51fa55c6b56c2d58fc9b0b64c526889b12f02b5b3.txt b/chunks/txt/b99087ecb584558768f1efd51fa55c6b56c2d58fc9b0b64c526889b12f02b5b3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cb7e8848b7a7b04fe7d6eb96d7c39e720ce7fa40
--- /dev/null
+++ b/chunks/txt/b99087ecb584558768f1efd51fa55c6b56c2d58fc9b0b64c526889b12f02b5b3.txt
@@ -0,0 +1,116 @@
+Uniform Residential Appraisal Report
+
+Page 13 of 30
+Page 13 of 30
+
+Outbuilding - Barn
+
+Considered Real Property
+Units in Structure
+Gross Building Area
+
+Yes
+0
+800 Sq. Ft.
+
+Gross Building Area for the outbuilding includes area for vehicle storage,
+ADU(s), and any other uses
+
+Detail
+
+Heating
+Cooling
+
+Utilities
+
+Yes No
+ 
+ 
+
+The table below depicts the area of the outbuilding, excluding vehicle
+storage and any ADU(s)
+
+Finish
+Finished
+
+Unfinished
+
+Total Area
+0 Sq. Ft.
+
+800 Sq. Ft.
+
+Room Summary
+
+None
+
+Apparent Defects, Damages, Deficiencies (Barn)
+
+The items listed below represent the As Is condition as of the effective date of this report
+
+Feature
+Exterior Walls and
+Trim
+
+Location
+Entire Exterior
+
+Description
+The overall structure is showing deterioration;
+major issues include holes in the wall of the
+building.
+
+Affects Soundness or
+Structural Integrity
+No
+
+Recommended
+Action
+None
+
+Outbuilding Commentary
+
+This structure is an existing older barn.
+
+Outbuilding Exhibits
+
+Apparent Defects, Damages, Deficiencies -
+Exterior Walls and Trim
+
+Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 14 of 30
+
+Outbuilding - Rec Room/Garage
+
+Considered Real Property
+Units in Structure
+Gross Building Area
+
+Yes
+0
+900 Sq. Ft.
+
+Gross Building Area for the outbuilding includes area for vehicle storage,
+ADU(s), and any other uses
+
+Detail
+
+Heating
+Cooling
+
+Utilities
+
+Yes No
+ 
+ 
+
+Electricity
+
+Apparent Defects, Damages, Deficiencies (Rec Room/Garage)
+
+None
+
+Outbuilding Commentary
diff --git a/chunks/txt/b991ddda7c85283a7c1da473c09b3924f91298a7199b35951d603f3d564526fb.txt b/chunks/txt/b991ddda7c85283a7c1da473c09b3924f91298a7199b35951d603f3d564526fb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..40144788f8afe6e0182ef7a48d5df6f2a11425fc
--- /dev/null
+++ b/chunks/txt/b991ddda7c85283a7c1da473c09b3924f91298a7199b35951d603f3d564526fb.txt
@@ -0,0 +1,133 @@
+880000
+
+false
+
+false
+
+false
+
+false
+
+true
+
+false
+
+false
+
+false
+
+Purchase
+
+Site
+
+Lot size is typical to the area.
+
+SiteInfluences
+
+While subject does not have a direct view of I270, roadway noise can be heard throughout the subject neighborhood.
+
+Project
+
+Project amenities are typical to the market.
+
+EnergyEfficientAndGreenFeatures
+
+Additional Commentary can be added here, if needed by Appraiser
+
+SalesContract
+
+The subject's sales contract was analyzed with no seller concessions reported.
+
+SubjectListing
+
+The subject is currently under contract for $866,000. Days on market appears to be typical for the area.
+
+OverallQualityAndCondition
+
+The subject features higher end materials that are considered to be semi-custom. The dwelling has been well maintained with minimal wear and tear. Possible termite infestation noted.
+
+SubjectPriorSalesAndTransferHistory
+
+Sale from builder to current owner.
+
+ComparablesPriorSalesAndTransferHistory
+
+Comparables #1 and #4 are the only properties that have had a transfer within the past two years.
+
+false
+
+Utilize this subsection for additional commentary as required by USPAP.
+
+SubjectToRepair
+
+SubjectToInspection
+
+2019-08-07
+
+90
+
+30
+
+ReasonableExposureTime
+
+880000
+
+C4
+
+false
+
+LN1265431
+
+false
+
+AmericanNationalStandardsInstitute
+
+false
+
+false
+
+true
+
+URAR Delivery Specification v1.3
+
+InteriorAndExterior
+
+MYAPP
+
+Some Appraisal Creator
+
+11.2.1
+
+Nowhere Technologies
+
+ABC Mortgage Company
+
+456 Somewhere Ave
+
+Sometown
+
+55555
+
+NV
+
+Lender
+
+Client
+
+ZYX Appraisal Management Company
+
+123 Main St
+
+Somecity
+
+40121
+
+IA
+
+2020-12-15
+
+222222
+
+MD
+
+ManagementCompany
diff --git a/chunks/txt/b994f01c711591ec383cf7a96d53c688663182ebb4d67323e0eca3179c6e6f9a.txt b/chunks/txt/b994f01c711591ec383cf7a96d53c688663182ebb4d67323e0eca3179c6e6f9a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..25f1236f04754da29167010d0b5bb801a567e3a0
--- /dev/null
+++ b/chunks/txt/b994f01c711591ec383cf7a96d53c688663182ebb4d67323e0eca3179c6e6f9a.txt
@@ -0,0 +1,14 @@
+## 6. What are Your Rights under the Privacy Act of 1974?
+
+Under the [Privacy Act of 1974](http://www.justice.gov/opcl/privstat.htm), federal agencies must not disclose any “record” which is contained in a “system of records” to any person, or to another agency, except at the written request of, or with the prior written consent of, the person to whom the record relates. There are exceptions for certain disclosures within the Government and disclosures required by statute.
+
+A “record” is any item, collection, or grouping of information about a person that an agency maintains and that contains the person's name, or some other identifying number, symbol, or feature assigned to the person by the agency (*e.g.*, a fingerprint or a photograph).
+
+A “system of records” means a group of “records” under the control of an agency from which the agency retrieves information by a person’s name or by the identifying number, symbol, or feature that the agency has assigned to the person. Because of this retrieval requirement, not all personal information collected online is covered by the Privacy Act.
+
+Other major provisions of the Privacy Act require the FHFA to:
+
+- Publish a system of records notice in the Federal Register explaining the existence, character, and uses of any new or revised system of records ([click here to access FHFA's Systems of Records Notices](https://www.fhfa.gov/about/privacy/systems-of-records-notices));
+- Maintain in its records only information about you that is relevant and necessary to accomplish a purpose of the agency required by law;
+- Keep information about you accurate, relevant, timely, and complete to assure fairness in dealing with you; and
+- Allow you, upon request, to access, review, and request amendment of your information held in a system of records.
diff --git a/chunks/txt/b99579e5d35689b5761a6e74f10df74b97853ec23ccc5af60a1364400fb56120.txt b/chunks/txt/b99579e5d35689b5761a6e74f10df74b97853ec23ccc5af60a1364400fb56120.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4e4be49c95cb63c37403b6f1cc2129ed6c8d7c3e
--- /dev/null
+++ b/chunks/txt/b99579e5d35689b5761a6e74f10df74b97853ec23ccc5af60a1364400fb56120.txt
@@ -0,0 +1,107 @@
+0911.7 County Taxes __ to __
+
+1011.8 Assessments __ to __
+
+1111.9 HOA Dues 4/15/14 to 4/30/14
+13
+
+11.3.1
+
+11.4.1
+
+11.5.1
+
+$10,167.30
+
+$2,000.00
+
+$100.00
+
+$50.00
+
+11.6.1
+
+11.7.1
+
+11.8.1
+
+11.9.1
+
+$30.00
+
+Figure 91. Due from Borrower at Closing
+
+The data points used to provide the Section K heading (11.0) and subtotal (11.0.1) are shown in the table below.
+INTEGRATED_ DISCLOSURE_SECTION_SUMMARY and INTEGRATED_DISCLOSURE_SECTION_SUMMARY DETAIL
+hold totals for sections (K and L) and subsections (bold headings within each section).
+
+Table 106. Due from Borrower at Closing
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point
+
+MISMO v3.3.0
+Value
+
+11.0.1 K. Due from
+
+Borrower at Closing
+($)
+
+11.0
+
+K. Due from
+Borrower at Closing
+
+…/INTEGRATED_DIS
+CLOSURE_SECTION
+_SUMMARY_DETAI
+L
+
+IntegratedDisclosur
+eSectionTotalAmou
+nt
+
+252347.30
+
+IntegratedDisclosur
+eSectionType
+
+DueFromBorrower
+AtClosing
+
+Notes
+
+ROF as
+“$252,347.30”
+
+ROF as “K. Due
+from Borrower at
+Closing”
+
+11. 1 | 11. 2 SALE PRI CE OF PROPER TY | SALE PRI CE OF ANY PERSONAL PROPERTY I NCLUDED
+
+1. CONTRACT EI THER DOES NOT I NCLUDE OR DOES NOT I TEMI Z E PERSONAL PROPERTY
+
+As shown in Figure 91, when the sales contract is for real property only and does not include personal property,
+or when the sales contract does include personal property but personal property is not itemized separately in
+
+Appendix E: UCD Implementation Guide
+
+Page 164 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+11.0 K. Due from Borrower at Closing
+
+the sales contract, no value is provided for 11.2. The data points used to provide this information are shown in
+the table below.
diff --git a/chunks/txt/b9998ca4447190359ff891a33e95b1f02ecceeea4cb87d6d1fb498e65d422bdd.txt b/chunks/txt/b9998ca4447190359ff891a33e95b1f02ecceeea4cb87d6d1fb498e65d422bdd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..572e15ddf601ed992c11ca7775305e44020985b8
--- /dev/null
+++ b/chunks/txt/b9998ca4447190359ff891a33e95b1f02ecceeea4cb87d6d1fb498e65d422bdd.txt
@@ -0,0 +1,40 @@
+• Front Cover
+• Revision History
+• Read Me
+• Tab Description
+
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+8
+
+• Column Description
+• DU Map Update – Highlights changes since the previous published version.
+• DU Map – contains Data Points with Definitions, Parent Containers, XPATHs, Enumerations,
+Attributes, etc. Note: All Data Points have a Unique Identifier that will help the reader with
+mapping the spec to the redesigned Form 1003, when necessary.
+
+• DU Enumerations – Includes the allowable values that are supported by DU and the enumeration
+definition provided by MISMO. Note: All DU Spec enumerations are linked to the Map tab through
+the Unique Identifier. When an enumeration does not exist in the MISMO 3.4 reference model,
+and the enumeration “Other” is a valid enumeration Fannie Mae will allow the use of free-form
+text data. The lender should include the free-form text in the TypeOtherDescription data points.
+• Cardinality – Defines the minimum and maximum number of times that containers can repeat in
+
+DU.
+
+• ArcRoles – List of supported Xlinks (ArcRoles) required by DU to relate data (e.g., liability to an
+asset) or associate information that appears multiple times (i.e. relate the income types of a
+borrower who has multiple current employments).
+
+• DU Removals – List of current DU data points and EDI codes that will no longer be supported in
+
+the DU Spec.
+
+The DU Map Tab
+The DU Map Tab is the core of the DU Spec. The columns are grouped under section headings to make it
+easier for lenders and technology solution providers to understand the data mapping. Refer to Figure 3
+which illustrates the sections and columns. The following sections describe how each group of columns
+can be used to help you understand the DU Spec. The last columns and how it maps to the redesigned
+Form 1003 and previous DU specifications.
diff --git a/chunks/txt/b99ebbc5815dec048166d9305f7186bc3fbdb07879f41dbdfb096464cea012f1.txt b/chunks/txt/b99ebbc5815dec048166d9305f7186bc3fbdb07879f41dbdfb096464cea012f1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..06bae3a940f6bffd347c5f6d9fdc1ef3d5cdd6fe
--- /dev/null
+++ b/chunks/txt/b99ebbc5815dec048166d9305f7186bc3fbdb07879f41dbdfb096464cea012f1.txt
@@ -0,0 +1,65 @@
+(cid:20)(cid:21)
+
+(cid:17)(cid:19)(cid:19)
+
+(cid:25)
+
+Gross Building Area for the outbuilding includes area for vehicle storage,
+ADU(s), and any other uses
+
+(cid:20)(cid:21)(cid:17)(cid:19)(cid:19)(cid:26)(cid:17)(cid:20)(cid:3)(cid:95) (cid:20)(cid:21)(cid:17)(cid:19)(cid:19)(cid:26)(cid:17)(cid:21)
+
+Detail
+
+Heating
+Cooling
+
+Utilities
+
+Yes No
+(cid:133) (cid:133)
+(cid:133) (cid:133)
+
+(cid:20)(cid:21)
+
+(cid:17)(cid:19)(cid:19)(cid:27)
+
+(cid:20)(cid:21)(cid:17)(cid:19)(cid:19)(cid:28)
+
+(cid:20)(cid:21)(cid:17)(cid:19)
+
+(cid:20)(cid:19)
+
+Mechanical System Details
+
+Heating
+
+Cooling
+
+System
+
+(cid:20)(cid:21)
+
+(cid:17)(cid:19)(cid:20)(cid:23)
+
+(cid:20)(cid:21)(cid:17)(cid:19)(cid:20)
+
+(cid:25)
+
+Detail
+(cid:20)(cid:21)(cid:17)(cid:19)(cid:20)
+(cid:24)
+
+The table below depicts the area of the outbuilding, excluding vehicle
+storage and any ADU(s)
+
+Finish
+Finished
+
+Unfinished
+
+Total Area
+
+Room Summary
+
+(cid:20)(cid:21)(cid:17)(cid:19)(cid:20)(cid:20)
diff --git a/chunks/txt/b9a627d14a4c15de2c90167bcaa748889613c0bc471505d8ad492605d44b9935.txt b/chunks/txt/b9a627d14a4c15de2c90167bcaa748889613c0bc471505d8ad492605d44b9935.txt
new file mode 100644
index 0000000000000000000000000000000000000000..525fa881e9a4a768086a257ed3868432a6121fa6
--- /dev/null
+++ b/chunks/txt/b9a627d14a4c15de2c90167bcaa748889613c0bc471505d8ad492605d44b9935.txt
@@ -0,0 +1 @@
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"taxonomy\/term\/256","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"ajaxPageState":{"libraries":"eJyFUNFuwyAM_CEInxSZ5KC0ECPsNM2-fqTppElbtxeD784nnz1U0UY8KgvmMaTcW3G0Ko-y-pLU-N8lEQsaZeMzfezOJx7oSg8zcYObuFResKgM4RLI2sDch96QFzR-Q1WKsJo04xTMba2UByWfIdzU4KE5Lbcv4tWaY9qhUMq2p5CppaqJlxOPmT11QveujU9sLEkm11C7p51IEbnt9rqWag8_MbKLojhPArPKNst4fF1oVLBxu5l7wibuWc9DfAcKz2uPsMEHbsW93gEZpYcdZmjfVAah-_8i5Rj_8CoQ6Uf7wR_lE6N1vxA","theme":"fhfa","theme_token":null},"ajaxTrustedUrl":{"\/reports\/fhfa-performance-and-accountability-report":true,"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"views":{"ajax_path":"\/views\/ajax","ajaxViews":{"views_dom_id:26307ba9978623f8eeab76def74c8eeb6bd11f6413a8a5512b15afd4d6b217c9":{"view_name":"reports_taxonomy_view","view_display_id":"block_1","view_args":"256","view_path":"\/taxonomy\/term\/256","view_base_path":null,"view_dom_id":"26307ba9978623f8eeab76def74c8eeb6bd11f6413a8a5512b15afd4d6b217c9","pager_element":0}}},"better_exposed_filters":{"autosubmit_exclude_textfield":false},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();
diff --git a/chunks/txt/b9a91d0f962d88941589a47e58ccf4af61546d03069bbf9a864808c36b2e68c0.txt b/chunks/txt/b9a91d0f962d88941589a47e58ccf4af61546d03069bbf9a864808c36b2e68c0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f2088ca89162a369c63a7e7953a6c52af3378da0
--- /dev/null
+++ b/chunks/txt/b9a91d0f962d88941589a47e58ccf4af61546d03069bbf9a864808c36b2e68c0.txt
@@ -0,0 +1,23 @@
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+51
+
+Data PointsContainersLegend:L2. Title InformationDEALPARTYCOLLATERALSPARTIESPartyRoleTypeROLESROLETRUSTPROPERTY_OWNERCOLLATERALSUBJECT_PROPERTYPROPERTY_DETAILPropertyEstateTypePropertyGroundLeaseExpirationDateNativeAmericanLandsTypeNativeAmericanLandsTypeOtherDescriptionINDIVIDUALNAMEROLE_DETAILTrustClassificationTypeFullNamePropertyOwnerStatusTypeRelationshipVestingTypeRelationshipVestingTypeOtherDescriptionLEGAL_ENTITYLEGAL_ENTITY_DETAILFullName
+
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+52
+
+Data PointsContainersLegend:L3. Mortgage Loan InformationLOANTERMS_OF_LOANMortgageTypeNoteRatePercentLienPriorityTypeDisclosedIndexRatePercentQUALIFICATIONMI_DATAMI_DATA_DETAILMATURITYNEGATIVE_AMORTIZATIONNEGATIVE_AMORTIZATION_RULELOAN_PRODUCTNegativeAmortizationTypeProductDescriptionMATURITY_RULELOAN_PRODUCT_DETAILLOAN_DETAILINVESTOR_LOAN_INFORMATIONINTEREST_ONLYQualifyingRatePercentMICoveragePercentLoanMaturityPeriodCountLoanMaturityPeriodTypeInitialFixedPeriodEffectiveMonthsCountBalloonIndicatorInterestOnlyIndicatorNegativeAmortizationIndicatorPrepaymentPenaltyIndicatorBuydownTemporarySubsidyFundingIndicatorInvestorProductPlanIdentifierInterestOnlyTermMonthsCount
+
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+53
+
+Data PointsContainersL3. Mortgage Loan InformationLOANAMORTIZATIONHMDA_LOANHMDARateSpreadPercentHMDA_HOEPALoanStatusIndicatorHOUSING_EXPENSEAFFORDABLE_LENDINGBUYDOWNHOUSING_EXPENSESGOVERNMENT_LOANBUYDOWN_OCCURRENCESBUYDOWN_OCCURRENCEAMORTIZATION_RULEHousingExpenseTimingTypeHousingExpenseTypeHousingExpensePaymentAmountCommunitySecondsRepaymentTypeHUDIncomeLimitAdjustmentPercentCommunityLendingProductTypeBuydownInitialEffectiveInterestRatePercentLoanAmortizationPeriodTypeLoanAmortizationPeriodCountAmortizationTypeAmortizationTypeOtherDescriptionGovernmentMortgageCreditCertificateAmountSectionOfActTypeVAMaintenanceExpenseMonthlyAmountVAUtilityExpenseMonthlyAmountVAEntitlementAmountHMDA_LOAN_DETAILPREPAYMENT_PENALTYPREPAYMENT_PENALTY_LIFETIME_RULEPrepaymentPenaltyExpirationMonthsCountContinued
diff --git a/chunks/txt/b9c2ccd57e27ca37166e4ab14f9be9d23c83fb90ccb1881b02ae26bbad56ddd1.txt b/chunks/txt/b9c2ccd57e27ca37166e4ab14f9be9d23c83fb90ccb1881b02ae26bbad56ddd1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8d6417b571400d671dcbc991f56016cff6c76414
--- /dev/null
+++ b/chunks/txt/b9c2ccd57e27ca37166e4ab14f9be9d23c83fb90ccb1881b02ae26bbad56ddd1.txt
@@ -0,0 +1,101 @@
+10.037 Room
+
+10.038 Update Status
+
+10.039 Time Frame
+
+Required for each
+kitchen and bathroom
+in the unit
+
+Required for each
+kitchen and bathroom
+in the unit
+
+Level 1, Level 2,
+Level 3 …
+Level B1, Level B2
+…
+
+Choose an
+allowable answer
+from table (Room
+Update Status)
+
+Required for each
+kitchen and bathroom
+in the unit when Room
+Update Status is Fully
+Updated or Partially
+Updated
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+10.040 Quality
+
+Comment
+
+Free-form
+
+If needed to describe
+the current quality of
+each kitchen and
+bathroom in the unit
+
+Level In Unit: The level in the living unit where the room is located.
+Note: Redisplays from the Level and Room Detail table (10.029).
+
+Room Update Status: The degree to which the room has been updated.
+•
+•
+•
+
+Fully Updated
+Partially Updated
+Not Updated
+
+Less than 1 year
+1-5 Years (1 or more years, and less than 5 years)
+5-10 Years (5 or more years, and less than 10 years)
+10 or more years
+
+The estimated range of years when the room was updated.
+•
+•
+•
+•
+Note: If there are varying degrees of updating within the room, choose the age
+of the update that has the most impact to value and marketability.
+
+A brief description of the quality of the kitchen or bathroom as of the effective
+date. For further expansion of commentary, use Unit Interior Commentary
+(10.061).
+
+Appendix F-1: URAR Reference Guide
+
+Page 136 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+10 Unit Interior
+
+Unit Interior: Kitchen and Bathroom Details
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+10.041 Condition Status Always required for
+
+each kitchen and
+bathroom in the unit
diff --git a/chunks/txt/b9caa223e6aed3c61d0b4b3a5ba370468be8b875657f5a292989c55c98524a44.txt b/chunks/txt/b9caa223e6aed3c61d0b4b3a5ba370468be8b875657f5a292989c55c98524a44.txt
new file mode 100644
index 0000000000000000000000000000000000000000..be17818870d89465f3f1aa227904e7e33731d32d
--- /dev/null
+++ b/chunks/txt/b9caa223e6aed3c61d0b4b3a5ba370468be8b875657f5a292989c55c98524a44.txt
@@ -0,0 +1,36 @@
+Date: November 1, 2023, 10 AM ET​
+
+Hybrid Format - hearing will be held in person and [streamed online​](https://lnkd.in/ghur2jgv).
+
+Location: U.S. Department of Housing and Urban Development Headquarters located at 451 7th Street, SW, Washington, D.C. 20410.
+
+More information is available on Federal Financial Institutions Examination Council's [Appraisal Subcommittee Website.​](https://www.asc.gov/about)
+
+## January 24, 2023
+
+**​FFIEC's (Federal Financial Institutions Examination Council's) Appraisal Subcommittee Hearing on Appraisal Bias**
+
+[Save the Date](https://www.consumerfinance.gov/about-us/events/appraisal-subcommittee-hearing-on-appraisal-bias/) - January 24, 2023, 10 AM EST​
+
+[Register (here) for the upcoming ASC Hearing now](https://surveys.consumerfinance.gov/jfe/form/SV_cJfO3aqRAMRNDym).
+
+Hybrid Format - hearing will be held in person and streamed online.
+
+Location: In person hearing will take place at Consumer Financial Protection Bureau Headquarters located at 1700 G Street, NW, Washington, D.C., 20552.
+
+More information is available on the [CFPB.gov​](https://www.consumerfinance.gov/about-us/events/appraisal-subcommittee-hearing-on-appraisal-bias/) (Consumer Financial Protection Bureau) event page. Check back periodically for updates.
+
+*​Date Updated: October 26, 2023.*
+
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/b9ceb660445fbb949424ca14f3a2ed88c8c2f3e361c81f5f9dfd34ed59aa3f26.txt b/chunks/txt/b9ceb660445fbb949424ca14f3a2ed88c8c2f3e361c81f5f9dfd34ed59aa3f26.txt
new file mode 100644
index 0000000000000000000000000000000000000000..154f0e9aadb2110e30418b60d9c92ea067ad4b33
--- /dev/null
+++ b/chunks/txt/b9ceb660445fbb949424ca14f3a2ed88c8c2f3e361c81f5f9dfd34ed59aa3f26.txt
@@ -0,0 +1,35 @@
+In the 2017 and 2018 Scorecards, FHFA directed the Enterprises to evaluate the existing PMIERS and whether changes or updates were appropriate. The Enterprises completed their analysis of the existing PMIERs and after consulting with the mortgage insurance companies, published revised PMIERs on September 27, 2018.
+
+FHFA NEWS RELEASE: [Fannie Mae and Freddie Mac Update Their Private Mortgage Insurer Eligibility Requirements](/node/8866) (9/27/2018)
+
+FHFA NEWS RELEASE: [Fannie Mae and Freddie Mac Issue Revised Private Mortgage Insurer Eligibility Requirements](/node/7631) (4/17/2015)
+
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
+
+## Footer
+
+- [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
diff --git a/chunks/txt/b9d5fb44bb7cb58fa816d1ddbe0a6d820c92f12ad3ce4ccc9a5bac14a725a48b.txt b/chunks/txt/b9d5fb44bb7cb58fa816d1ddbe0a6d820c92f12ad3ce4ccc9a5bac14a725a48b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7f8a26114004e443cee9f03ef31fa3fb1fea3dba
--- /dev/null
+++ b/chunks/txt/b9d5fb44bb7cb58fa816d1ddbe0a6d820c92f12ad3ce4ccc9a5bac14a725a48b.txt
@@ -0,0 +1,138 @@
+Cooling System Type is
+not reported for
+comparables
+
+22.14.11
+22.14.25
+
+Utilities
+
+If relevant
+
+Required when the
+row is included in the
+sales comparison grid
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+guidance column
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+If relevant
+
+Required when the
+row is included in the
+sales comparison grid
+
+Free-form
+
+22.14.13
+22.14.26
+
+Additional
+data element
+displays as the
+Report Label
+22.14.12
+
+Summary
+
+No
+
+No
+
+No
+
+No
+
+Outbuilding
+•
+
+Cooling System
+Exists 12.009
+12.016
+
+Outbuilding
+•
+
+Cooling System
+Type 12.016 If the
+outbuilding
+contains ADU(s)
+
+Outbuilding
+•
+
+Utilities 12.010
+
+Additional Row does not
+populate from
+Outbuilding; the
+appraiser must enter
+information for the
+subject property
+
+Cooling System Exists: Indicates whether there is permanent cooling in
+the structure.
+•
+
+If No, “None” displays.
+
+•
+•
+•
+
+Centralized
+Individual
+Other (Describe)
+
+None
+Electricity
+Gas
+Sanitary Sewer
+
+The utilities that have been extended to the outbuilding.
+•
+•
+•
+•
+• Water
+•
+
+Other (Describe)
+
+Additional Row
+This row displays on the sales comparison grid when an additional data
+element relevant to the outbuilding is needed that is not predefined.
+
+Note: Only put one data element in each row and add additional rows as
+needed for other data elements.
+
+The Summary subsection always displays on the sales comparison grid.
+
+Appendix F-1: URAR Reference Guide
+
+Page 272 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+22 Sales Comparison Approach
+
+Report Label
+
+When Row
+Displays
+
+When to Include for
+each Comparable
diff --git a/chunks/txt/b9ecf695e2df7d4ae662d5af21da9aeb81d330eb20dd377042d9334f808d6bde.txt b/chunks/txt/b9ecf695e2df7d4ae662d5af21da9aeb81d330eb20dd377042d9334f808d6bde.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8f2de097171119b1766eb7e21e2eec606e625dc5
--- /dev/null
+++ b/chunks/txt/b9ecf695e2df7d4ae662d5af21da9aeb81d330eb20dd377042d9334f808d6bde.txt
@@ -0,0 +1,113 @@
+View
+The appraiser must provide one of the ratings
+from the list below to describe the overall
+effect on value and marketability of the view
+factors associated with the subject property
+
+ABBREVIA
+TED ENTRY
+
+N
+
+B
+
+A
+
+OVERALL
+VIEW
+RATING
+
+Neutral
+
+Beneficial
+
+Adverse
+
+The appraiser must also provide at least one,
+but not more than two, view factor(s) from the
+list below to provide details about the overall
+view rating selected above.
+
+Wtr
+
+Pstrl
+Woods
+
+Prk
+
+Glfvw
+CtySky
+
+Mtn
+
+Res
+CtyStr
+
+Ind
+
+PwrLn
+LtdSght
+
+See
+Instructions
+Below
+
+Water View
+
+Pastoral View
+Woods View
+
+Park View
+
+Golf Course
+View
+City Street
+View
+
+Mountain
+View
+
+Residential
+View
+City Street
+View
+
+Industrial
+View
+
+Power Lines
+Limited Sight
+
+Other –
+Appraiser to
+enter a
+description of
+the view *
+
+*Other: If a view factor not on this list
+materially affects the value of the subject
+property, the appraiser must enter a
+description of the view associated with the
+property (see second example below). The
+description entered must allow a reader of the
+appraisal report to understand what the view
+
+Page 42 of 68
+
+Appendix A: GSE Appraisal Forms Mapping
+
+Document Version 1.5
+
+© 2022 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.
+
+associated with the property actually is.
+Descriptors such as ‘None’, ‘N/A’, ‘Typical’,
+‘Average’, etc., are unacceptable.
+Descriptions should be entered carefully
+because the same text will be represented in
+both the Site section and the comparable
+sales grid for the subject property. The text
+must fit in the allowable space.
diff --git a/chunks/txt/ba256909ac9a19df975c943c22bcd4bce924af5531991efc30d424bffa6aac08.txt b/chunks/txt/ba256909ac9a19df975c943c22bcd4bce924af5531991efc30d424bffa6aac08.txt
new file mode 100644
index 0000000000000000000000000000000000000000..49d2cca0b7c0e7789faa409bd5a13429e144f333
--- /dev/null
+++ b/chunks/txt/ba256909ac9a19df975c943c22bcd4bce924af5531991efc30d424bffa6aac08.txt
@@ -0,0 +1,82 @@
+Appendix F-1: URAR Reference Guide
+
+Page 299 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+23 Rental Information
+
+Report
+Field ID
+
+Report Label
+
+When Row
+Displays
+
+When to Include for
+each Comparable Unit
+
+Allowable
+Answers / Format
+
+Origin of Subject
+Property Information
+
+Adjustable
+Row
+
+Definition / Additional Guidance
+
+Rental Information: Comparable Rental Analysis - Summary
+
+No
+
+Monthly Market Rent for Unit: The monthly dollar amount that is
+expected to be received as rental income at full market price for the
+single living unit.
+
+For the subject property, this information displays in the following
+subsections of Rental Information:
+•
+•
+
+Rent Schedule – Opinion of Market Income (Monthly) 23.01.20
+Comparable Rental Analysis Summary 23.03.23
+
+No
+
+The relative emphasis given to the comparable unit by the appraiser in
+determining the market rent for the subject unit.
+
+Examples of scenarios with 3 comparables:
+•
+
+The appraiser relied primarily on 2 comparable units that were
+given equal consideration and included a third comparable as
+supporting the data. Select Most, Most, and Less.
+The appraiser relied primarily on 1 comparable unit that was given
+most consideration, and included 2 comparable units that were
+considered to be representative but less relevant than the primary
+comparable. Select Most, Less, and Less.
+All comparable units were equally considered good market
+indicators. Select Most, Most, and Most.
+
+23.03.23 Opinion of
+
+Always
+
+Market Rent
+
+Opinion of Market
+Rent is not reported
+for comparables
+
+Dollar amount
+
+Rental Information
+• Monthly Market
+Rent for Unit
+23.01.20
diff --git a/chunks/txt/ba4e04bdc5fdeff37e5839ed0b67d161395200771f956ee928b6620f75942bed.txt b/chunks/txt/ba4e04bdc5fdeff37e5839ed0b67d161395200771f956ee928b6620f75942bed.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1ab62cab347d789b1f60b3b944290ce43c358236
--- /dev/null
+++ b/chunks/txt/ba4e04bdc5fdeff37e5839ed0b67d161395200771f956ee928b6620f75942bed.txt
@@ -0,0 +1,16 @@
+Functioning without Form Numbers:
+Mapping Legacy Forms to Redesigned Uniform Residential Appraisal Report (URAR) Property Type Characteristics
+Issued by Fannie Mae and Freddie Mac
+Document Version 1.1
+June 10, 2025
+
+This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency.
+©2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.
+
+1
+
+Table of Contents
+
+Revision History ..................................................................................................................................................................................................................................................................................... 2
+
+Introduction ........................................................................................................................................................................................................................................................................................... 3
diff --git a/chunks/txt/ba4e94c9767a8942765bb19c36d9fb011f0a315f908c51f9bc194bda10710672.txt b/chunks/txt/ba4e94c9767a8942765bb19c36d9fb011f0a315f908c51f9bc194bda10710672.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e089d3145c8c56f6709f182f9559d05ad8d3973a
--- /dev/null
+++ b/chunks/txt/ba4e94c9767a8942765bb19c36d9fb011f0a315f908c51f9bc194bda10710672.txt
@@ -0,0 +1 @@
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"taxonomy\/term\/346","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"ajaxPageState":{"libraries":"eJyFUNFuwyAM_CEInxSZ5KC0ECPsNM2-fqTppElbtxeD784nnz1U0UY8KgvmMaTcW3G0Ko-y-pLU-N8lEQsaZeMzfezOJx7oSg8zcYObuFResKgM4RLI2sDch96QFzR-Q1WKsJo04xTMba2UByWfIdzU4KE5Lbcv4tWaY9qhUMq2p5CppaqJlxOPmT11QveujU9sLEkm11C7p51IEbnt9rqWag8_MbKLojhPArPKNst4fF1oVLBxu5l7wibuWc9DfAcKz2uPsMEHbsW93gEZpYcdZmjfVAah-_8i5Rj_8CoQ6Uf7wR_lE6N1vxA","theme":"fhfa","theme_token":null},"ajaxTrustedUrl":{"\/reports\/plain-language-report":true,"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"views":{"ajax_path":"\/views\/ajax","ajaxViews":{"views_dom_id:e24d1c6bcb36331d3ff46b96cb79abb66a352be120278b655a8b4cb783810e5f":{"view_name":"reports_taxonomy_view","view_display_id":"block_1","view_args":"346","view_path":"\/taxonomy\/term\/346","view_base_path":null,"view_dom_id":"e24d1c6bcb36331d3ff46b96cb79abb66a352be120278b655a8b4cb783810e5f","pager_element":0}}},"better_exposed_filters":{"autosubmit_exclude_textfield":false},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();
diff --git a/chunks/txt/ba684742e53592815800859214b38b7a98371872c318ebb1a7132fc1cf9f0d43.txt b/chunks/txt/ba684742e53592815800859214b38b7a98371872c318ebb1a7132fc1cf9f0d43.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a020d8448e2b905711b12f6a86a636eac018f1a7
--- /dev/null
+++ b/chunks/txt/ba684742e53592815800859214b38b7a98371872c318ebb1a7132fc1cf9f0d43.txt
@@ -0,0 +1,51 @@
+(cid:28)(cid:17)(cid:19)(cid:20)(cid:21)
+
+HUD Wind Zone
+HUD Thermal Zone
+HUD Roof Load Zone
+
+(cid:28)(cid:17)(cid:19)(cid:20)(cid:22)
+(cid:28)(cid:17)(cid:19)(cid:20)(cid:23)
+
+(cid:28)(cid:17)(cid:19)(cid:20)(cid:24)
+
+Label Present for All Sections
+
+(cid:28)(cid:17)(cid:19)(cid:20)(cid:25)
+
+HUD Certification Number
+
+(cid:28)(cid:17)(cid:19)(cid:20)(cid:26)
+
+Manufactured Home Certification Program
+
+Certification
+
+(cid:28)(cid:17)(cid:19)(cid:20)(cid:27)
+
+Invoice Information
+
+Purchased from Retailer
+Retailer Name
+
+Identifier
+(cid:28)(cid:17)(cid:19)(cid:20)(cid:28)
+
+(cid:28)(cid:17)(cid:19)(cid:21)(cid:19)
+(cid:28)(cid:17)(cid:19)(cid:21)(cid:20)
+
+Commentary on Why Invoice(s) Not Reasonable (cid:28)(cid:17)(cid:19)(cid:21)(cid:24)
+
+Manufactured Home Commentary
+
+(cid:28)(cid:17)(cid:19)(cid:21)(cid:25)
+
+Manufactured Home Exhibits
+
+Retailer’s Invoice Reviewed
+Manufacturer’s Invoice Reviewed
+Invoice(s) Appear Reasonable
+
+(cid:28)(cid:17)(cid:19)(cid:21)(cid:21)
+(cid:28)(cid:17)(cid:19)(cid:21)(cid:22)
+(cid:28)(cid:17)(cid:19)(cid:21)(cid:23)
diff --git a/chunks/txt/ba6a79c0d92edf0544e41d550374e5dd2c81d53287826bd0c20ef8588d8ec959.txt b/chunks/txt/ba6a79c0d92edf0544e41d550374e5dd2c81d53287826bd0c20ef8588d8ec959.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ca839f75e4ed18a8d2795437e60a983a8c7f16b3
--- /dev/null
+++ b/chunks/txt/ba6a79c0d92edf0544e41d550374e5dd2c81d53287826bd0c20ef8588d8ec959.txt
@@ -0,0 +1,20 @@
+- [Investor jobs](https://www.linkedin.com/jobs/investor-jobs?trk=organization_guest_linkster_link)
+ - [Advisor jobs](https://www.linkedin.com/jobs/advisor-jobs?trk=organization_guest_linkster_link)
+ - [Bookkeeper jobs](https://www.linkedin.com/jobs/bookkeeper-jobs?trk=organization_guest_linkster_link)
+ - [Operator jobs](https://www.linkedin.com/jobs/operator-jobs?trk=organization_guest_linkster_link)
+ - [Financial Economist jobs](https://www.linkedin.com/jobs/financial-economist-jobs?trk=organization_guest_linkster_link)
+ - [Principal Director jobs](https://www.linkedin.com/jobs/principal-director-jobs?trk=organization_guest_linkster_link)
+ - [Health Economist jobs](https://www.linkedin.com/jobs/health-economist-jobs?trk=organization_guest_linkster_link)
+ - [Vice President Corporate Development jobs](https://www.linkedin.com/jobs/vice-president-corporate-development-jobs?trk=organization_guest_linkster_link)
+ - [Director Corporate Development jobs](https://www.linkedin.com/jobs/director-corporate-development-jobs?trk=organization_guest_linkster_link)
+ - [Economist jobs](https://www.linkedin.com/jobs/economist-jobs?trk=organization_guest_linkster_link)
+ - [Summer Intern jobs](https://www.linkedin.com/jobs/summer-intern-jobs?trk=organization_guest_linkster_link)
+ - [Director jobs](https://www.linkedin.com/jobs/director-jobs?trk=organization_guest_linkster_link)
+ - [Chief of Staff jobs](https://www.linkedin.com/jobs/chief-of-staff-jobs?trk=organization_guest_linkster_link)
+ - [Corporate Development Specialist jobs](https://www.linkedin.com/jobs/corporate-development-specialist-jobs?trk=organization_guest_linkster_link)
+ - [Attorney jobs](https://www.linkedin.com/jobs/attorney-jobs?trk=organization_guest_linkster_link)
+ - [Specialist jobs](https://www.linkedin.com/jobs/specialist-jobs?trk=organization_guest_linkster_link)
+ - [General Counsel jobs](https://www.linkedin.com/jobs/general-counsel-jobs?trk=organization_guest_linkster_link)
+ - [Management Consultant jobs](https://www.linkedin.com/jobs/management-consultant-jobs?trk=organization_guest_linkster_link)
+ - [Chief Officer jobs](https://www.linkedin.com/jobs/chief-officer-jobs?trk=organization_guest_linkster_link)
+ - [Director of Operations jobs](https://www.linkedin.com/jobs/director-of-operations-jobs?trk=organization_guest_linkster_link)
diff --git a/chunks/txt/ba86c79b51991507004c23f307c31daa4249e45588d518caa3b82f67dc68de1d.txt b/chunks/txt/ba86c79b51991507004c23f307c31daa4249e45588d518caa3b82f67dc68de1d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4b457021b8669e3d1f4e911db95f7896f1e5840a
--- /dev/null
+++ b/chunks/txt/ba86c79b51991507004c23f307c31daa4249e45588d518caa3b82f67dc68de1d.txt
@@ -0,0 +1,212 @@
+Required if field 6-16 is populated.
+
+String
+
+UAD Requirement – Refer to Appendix D Appraiser Certification Section
+
+String
+
+Should conform to USPS (Pub 28). The following address element should be included
+in this field:
+• USPS two-letter state or territory representation
+
+At least one of the fields 6-13, 6-14, 6-
+16 (Appraiser License Identifier and
+values of Appraiser License Type) is
+required unless the value of field 6-15
+is 'trainee'.
+
+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
+
+R
+
+R
+
+R
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+T
+
+CR
+
+CR
+
+CR
+
+T
+
+CR
+
+CR
+
+CR
+
+T
+
+Form FNM 1073 FRE 465
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 123 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
+
+508
+
+6
+
+18
+
+APPRAISER
+CERTIFICATION
+
+Appraiser
+Expiration Date of Certifiction
+or License
+
+Appraiser License
+Expiration Date
+
+The expiration date of the appraiser's
+license.
+
+/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICENSE/
+@_ExpirationDate
+
+12
+
+Date/Time
+
+Data Format:
+yyyy-mm-dd
+
+UAD Requirement - Refer to Appendix D Appraiser Certification Section
+
+509
+
+6
+
+19
+
+APPRAISER
+CERTIFICATION
+
+ADDRESS OF PROPERTY
+APPRAISED
+
+Property Street
+Address
+
+The unstructured (Unparsed) street
+address of the subject property (e.g., 123
+Main Street).
+
+/VALUATION_RESPONSE/PROPERTY/@_StreetAddress
diff --git a/chunks/txt/babc1257b45cd29dda759550af2c26069bc18488bd285632c2f66b7aaba2999e.txt b/chunks/txt/babc1257b45cd29dda759550af2c26069bc18488bd285632c2f66b7aaba2999e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e69a16e615622379610d0586ce9d19ffd2f87c80
--- /dev/null
+++ b/chunks/txt/babc1257b45cd29dda759550af2c26069bc18488bd285632c2f66b7aaba2999e.txt
@@ -0,0 +1,8 @@
+---
+source_url: "https://singlefamily.fanniemae.com/applications-technology/servicing-management-default-underwriter-smdu"
+date_accessed: "2026-01-27T18:02:18.000Z"
+---
+
+[Skip to main content](#main-content)
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav
diff --git a/chunks/txt/bac65a028d94d77bd37833223c6cee93f6461df0282052288e24012a2f8f45b5.txt b/chunks/txt/bac65a028d94d77bd37833223c6cee93f6461df0282052288e24012a2f8f45b5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9679d88729a1e0ce753477906931df0de420cf4f
--- /dev/null
+++ b/chunks/txt/bac65a028d94d77bd37833223c6cee93f6461df0282052288e24012a2f8f45b5.txt
@@ -0,0 +1,27 @@
+B. GSE Specific Data Points do not appear anywhere on the Closing Disclosure. GSE Specific Data Points
+support GSE data requirements related to the closing transaction.
+
+C. XML-Required Data Points ensure that the XML file is properly formed and can be read by an XML parser.
+Each one of these categories is described below.
+
+A. CLOSI NG DI SCLOSURE D ATA POI NTS
+
+Closing Disclosure data points map to one or more form field(s) on the Closing Disclosure. The following
+subsections highlight ways MISMO v3.3.0 data points are used within the UCD to meet Closing Disclosure
+requirements.
+
+1. GENERAL USE DATA
+
+The MISMO standard was created and continues to be updated and expanded in support of mortgage industry
+forms, processes or proprietary data sets. Most of the data created to support these business cases can be used
+across the loan life cycle and support commonly understood industry practice and usage. These data points are
+referred to in the I-Guide as “general use” data, or in “the body of the Reference Model.”
+
+2. DOCUMENT SPECI FI C DATA
+
+Some data points are created to meet the specialized business requirements of a form or data set. The
+definitions of these data points are driven by their context and use within that form or file. In general, these
+definitions do not conform to broader-based industry understanding and are not used except for the business
+case they were designed to support. Examples include data points created for form fields representing
+calculation results, and data defined in specific way that differs from normal industry practice. To accommodate
+these “Document Specific” data, a special structure exists within the MISMO Reference Model.
diff --git a/chunks/txt/bacb0d7e57795f6bd996267f1b1dccb4d280656939e549698ac37b1cbd48179c.txt b/chunks/txt/bacb0d7e57795f6bd996267f1b1dccb4d280656939e549698ac37b1cbd48179c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..885df08b4f8d00e0370da87db8afc38b7ae4b99f
--- /dev/null
+++ b/chunks/txt/bacb0d7e57795f6bd996267f1b1dccb4d280656939e549698ac37b1cbd48179c.txt
@@ -0,0 +1,27 @@
+**Location:** Federal Housing Finance Agency, Constitution Center, 400 7th Street, SW, Washington, D.C. 20219 (Conference Room ABC)
+
+**Topic:** Climate Risk
+
+[Agenda](/sites/default/files/2024-10/2024%20Fall%20FHFA%20Econ%20Summit%20Agenda_Date-Final.pdf), [Speaker Profiles](/sites/default/files/2024-10/2024-FHFA-Fall-Econ-Summit-Speaker-Headshots-and-Bios.pdf), [Fall 2024 Econ Summit Call for Papers - closed](/sites/default/files/2024-02/Call-for-Papers-FHFA-Fall-2024-Econ-Summit-on-Climate-Risk.pdf)
+
+[More Information: Presentations and Papers](/news/public-engagements/econ-summit/fall-2024)
+
+---
+
+## October 2024
+
+## 2024 FHFA Model Risk Conference
+
+The Division of Enterprise Regulation (DER) presents the 2024 FHFA Model Risk Conference. The conference will provide an opportunity for participants to share insights and best practices in managing model risk as well as provide a forum for model risk management professionals to learn about the latest trends in model risk management. The conference will have speakers from regulatory agencies and private industry.
+
+**Date:** 10/21/2024 - 10/22/2024
+
+**Time:**8:00 AM EDT - 4:00 PM EDT
+
+**Location:**Hybrid - Streaming and in-person at the Federal Housing Finance Agency, Constitution Center, 400 7th Street, SW, Washington, D.C. 20219 (Conference Room ABC)
+
+[Agenda](/sites/default/files/2024-10/2024-FHFA-Model-Risk-Conference-Agenda.pdf)
+
+[Speaker Profiles](/sites/default/files/2024-11/FHFA-Model-Risk-Conference-Speaker-Bios-2024.pdf)
+
+---
diff --git a/chunks/txt/bad90a83b3bf758c1abc3177d1b54875f200238a601d332bd798a858ab775890.txt b/chunks/txt/bad90a83b3bf758c1abc3177d1b54875f200238a601d332bd798a858ab775890.txt
new file mode 100644
index 0000000000000000000000000000000000000000..feb71249ef9b1222de56a940a213e477358457e5
--- /dev/null
+++ b/chunks/txt/bad90a83b3bf758c1abc3177d1b54875f200238a601d332bd798a858ab775890.txt
@@ -0,0 +1,94 @@
+additional details must be provided for each item.
+
+Report
+Field ID
+
+Report Label
+
+Unique ID MISMO Data Point Name
+
+Display Rules
+
+Completion Report: New Observed Items for Repair (Figure 04 - 1)
+
+04.001
+
+Feature
+
+2800.0052 DefectComponentLabelType
+
+04.002
+
+Location
+
+2800.0056 DefectItemLocationType
+
+Display when CompletionReportNewDefectIndicator = "false"
+- Display a separate row for each newly observed repair item.
+Display for each newly observed item
+- When the same Feature has multiple repair items, repeat the
+
+-
+
+entire row.
+Images for the newly observed repair item must be provided
+and display in Completion Report Exhibits
+
+Display for each newly observed item
+- When newly observed items are not related to kitchens or
+baths, use DefectItemLocationType = “Other” and describe
+the defect location in
+
+Page 22
+
+Report
+Field ID
+
+Report Label
+
+Unique ID MISMO Data Point Name
+
+Display Rules
+
+Completion Report: New Observed Items for Repair (Figure 04 - 1)
+
+Display when CompletionReportNewDefectIndicator = "false"
+- Display a separate row for each newly observed repair item.
+DefectItemLocationTypeOtherDescription (UID: 2800.0057,
+FID: 04.002)
+
+04.003
+
+04.004
+
+04.005
+
+Description
+Affects Soundness or
+Structural Integrity
+Recommended Action
+
+2800.0055 DefectItemDescription
+
+2800.0054
+
+DefectItemAffectsSoundnessStructuralInteg
+rityIndicator
+
+3900.0013 DefectItemRecommendedActionType
+
+04.006
+
+Inspection Date
+
+2800.0058
+
+DefectItemRecommendedActionInspection
+Date
+
+Display for each newly observed item
+
+Display for each newly observed item
+
+Display for each newly observed item
+Display for each newly observed item
diff --git a/chunks/txt/badb56c2f4739b5dad94234dded4af2f2ea369187b4ea01d185de832a43d6039.txt b/chunks/txt/badb56c2f4739b5dad94234dded4af2f2ea369187b4ea01d185de832a43d6039.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8474feb09d70c44e0e7292654c41ca4dc5798938
--- /dev/null
+++ b/chunks/txt/badb56c2f4739b5dad94234dded4af2f2ea369187b4ea01d185de832a43d6039.txt
@@ -0,0 +1,17 @@
+[60-Day Notice of Submission of National Survey of Mortgage Originations (NSMO) Information Collection](/regulation/federal-register/pra-information-collection-notice/2024-n-8) (6/25/2024)
+
+[30-Day Notice of Submission of National Survey of Mortgage Originations (N​SMO) Information Collection](/regulation/federal-register/pra-information-collection-notice/2023-n-6) (4/14/2023)
+
+[60-Day Notice of Submission of National Survey of Mortgage Originations (NSMO) Information Collection](/regulation/federal-register/pra-information-collection-notice/2022-n-15) (12/6/2022)
+
+[30-Day Notice of Submission of National Survey of Mortgage Originations (NSMO) Information Collection](/regulation/federal-register/pra-information-collection-notice/2020-n-8) (4/3/2020)
+
+[60-Day Notice of Submission of National Survey of Mortgage Originations (NSMO) Information Collection](/regulation/federal-register/pra-information-collection-notice/2019-n-8) (12/10/2019)
+
+[30-Day Notice of Submission of National Survey of Mortgage Originations (NSMO) Information Collection](/regulation/federal-register/pra-information-collection-notice/2016-n-06) (9/13/2016)
+
+[60-Day Notice of Submission of National Survey of Mortgage Originations (NSMO) Information Collection](/regulation/federal-register/pra-information-collection-notice/2016-n-16) (12/28/2016)
+
+[Proposed Collection; Comment Request: National Survey of Mortgage Borrowers](/regulation/federal-register/pra-information-collection-notice/2013-n-08) (30-Day Notice) (7/1/2013)
+
+[Proposed Collection; Comment Request: National Survey of Mortgage Borrowers](/regulation/federal-register/pra-information-collection-notice/2013-n-07) (60-Day Notice) (4/25/2013)
diff --git a/chunks/txt/baf278dfc16a4dbf6c9789300a36b35752ad38a4d0666c4337cc24bc3f96c927.txt b/chunks/txt/baf278dfc16a4dbf6c9789300a36b35752ad38a4d0666c4337cc24bc3f96c927.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9beacfdbef4f333cdc586568ba201f52035329f3
--- /dev/null
+++ b/chunks/txt/baf278dfc16a4dbf6c9789300a36b35752ad38a4d0666c4337cc24bc3f96c927.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/supervision/federal-home-loan-bank-system"
+date_accessed: "2026-01-27T17:54:20.419Z"
+---
+
+> *[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)
diff --git a/chunks/txt/bafeaf025fa99def96c57a31ff1736d30d63b005d49355eab71d0f73b0bec78d.txt b/chunks/txt/bafeaf025fa99def96c57a31ff1736d30d63b005d49355eab71d0f73b0bec78d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fc60d4f64d8c1ddd4d0f93187d6d0a54471a4688
--- /dev/null
+++ b/chunks/txt/bafeaf025fa99def96c57a31ff1736d30d63b005d49355eab71d0f73b0bec78d.txt
@@ -0,0 +1,30 @@
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+20
+
+The foreign and seasonal indicators are specified at the employment level. Hence, the information is not
+specific to an income type (i.e. bonus, commission, etc.). The following examples illustrate foreign income
+that will be related through an ArcRole to an Employer, which means that all income items are characterized
+by the indicator regardless of it being true or false. When a borrower has both regular and seasonal/foreign
+income from the same employer, separate instances of employment must be included in the Loan
+Application Submission file, one instance for the foreign/seasonal and an additional instance for the regular
+income from that employment with the foreign / seasonal indicators set for each instance.
+
+Income Type usage example:
+
+Foreign Income Indicator usage example:
+
+Relating the Income to the Employment:
+
+<!-- Linking Borrower's Income to Current Employer-->
+
+<RELATIONSHIP SequenceNumber="5" xlink:from="CURRENT_INCOME_ITEM_1" xlink:to="EMPLOYER_1"
+xlink:arcrole="urn:fdc:mismo.org:2009:residential/CURRENT_INCOME_ITEM_IsAssociatedWith_EMPLOYER"/>
+<RELATIONSHIP SequenceNumber="6" xlink:from="CURRENT_INCOME_ITEM_2" xlink:to="EMPLOYER_1"
+xlink:arcrole="urn:fdc:mismo.org:2009:residential/CURRENT_INCOME_ITEM_IsAssociatedWith_EMPLOYER"/>
+
+Important note for FHA and VA loans: Foreign and Seasonal Income indicators are not currently
+supported by DUG. Seasonal / Foreign Income may be entered as the enumeration “Other”; lenders
+should ensure that they are following applicable FHA and VA guidelines for their use.
diff --git a/chunks/txt/bb23bdff8481e169ed729e5d06e499c817102d1144d3da7a64a3bd52fa35e892.txt b/chunks/txt/bb23bdff8481e169ed729e5d06e499c817102d1144d3da7a64a3bd52fa35e892.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0c419cdb0cf256ea02a873e78e48d2f5987088a3
--- /dev/null
+++ b/chunks/txt/bb23bdff8481e169ed729e5d06e499c817102d1144d3da7a64a3bd52fa35e892.txt
@@ -0,0 +1,52 @@
+The lender must also retain in the loan file a certification regarding the adequacy of the property insurance following
+completion of the renovation. The certification must confirm the coverage has been increased, if necessary, to comply with
+Fannie Mae’s standard property and flood insurance requirements.
+
+Special Feature Codes
+
+The lender must report Special Feature Code 892 when delivering a loan that meets the HomeStyle Refresh requirements.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 180 of 166
+
+UAD 3.6 Policy
+
+Manual Underwriting
+
+For loans involving improvements that are underwritten manually, a maximum debt-to-income ratio of 45% is allowed if the
+transaction satisfies all criteria in the Eligibility Matrix for a 45% DTI ratio on a manually underwritten loan.
+
+All other underwriting requirements, such as the down payment, credit score, and reserve requirements, are identical to
+those for a similar transaction with a maximum DTI ratio of 36%.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 181 of 166
+
+UAD 3.6 Policy
+SB5-4.2-02, Disaster-Related Limited Cash-Out Refinance Flexibilities
+(10/08/2025)
+
+Introduction
+
+This topic contains information on disaster-related limited cash-out refinance flexibilities, including:
+
+Location of Property
+
+• Disaster-Related Limited Cash-Out Refinance Flexibilities Overview
+•
+• Occupancy Status
+•
+Transaction Types
+• Documentation of Eligible Disaster-Related Expenses and Financing
+•
+• Appraisal Requirements
+• Delivery
+•
+
+Limited Cash-Out Refinance DU Requirements
+
+Special Feature Codes
+
+Disaster-Related Limited Cash-Out Refinance Flexibilities Overview
diff --git a/chunks/txt/bb3f58fe9823bf8e5aab529fc2d4dcc4841c39b8d588a72a66f733404512a7e8.txt b/chunks/txt/bb3f58fe9823bf8e5aab529fc2d4dcc4841c39b8d588a72a66f733404512a7e8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fc2bb912f274ab3301e8b6d2996d3de345fe9ac9
--- /dev/null
+++ b/chunks/txt/bb3f58fe9823bf8e5aab529fc2d4dcc4841c39b8d588a72a66f733404512a7e8.txt
@@ -0,0 +1,96 @@
+The sum of this field 3-76 and fields (3-60,
+3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3-
+78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, 3-93,
+3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3-
+107, 3-109, 3-111) must add up to Net
+Adjustment field 3-116.
+
+CR
+
+R
+
+Enumerated
+
+Allowable Values PDF Display
+Neutral N
+Beneficial B
+Adverse A
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+The allowable values are listed below. When representing these values in the XML file,
+they must be shown exactly as they appear below:
+
+413
+
+3
+
+e-6
+
+SALES
+COMPARISON
+APPROACH
+
+View
+
+(View Type)
+
+GSE View Type
+
+The type of view associated with the
+property.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON
+_VIEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL_EXTENSIO
+N_SECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_DATA
+/COMPARISON_VIEW_DETAIL[@_SequenceIdentifier='1..2']/@GSEViewTyp
+e
+
+19
+
+Enumerated
+
+Allowable Values PDF Display
+WaterView Wtr
+PastoralView Pstrl
+WoodsView Woods
+ParkView Prk
+GolfCourseView Glfvw
+CityViewSkylineView CtySky
+MountainView Mtn
+ResidentialView Res
+CityStreetView CtyStr
+IndustrialView Ind
+PowerLines PwrLn
+LimitedSight LtdSght
+Other *
+
+*See field e-7 directly below.
+
+At least one but no more than two values are
+required.
+
+R
+
+414
+
+3
+
+e-7
+
+SALES
+COMPARISON
+APPROACH
+
+View
+
+(View Type Other Description)
+
+GSE View Type
+Other Description
+
+The type of view associated with the
+property if other is selected.
diff --git a/chunks/txt/bb3f7ae50da44201215ec33666bb287b53e0b3a288b3a7b25cbc2a2caffc3677.txt b/chunks/txt/bb3f7ae50da44201215ec33666bb287b53e0b3a288b3a7b25cbc2a2caffc3677.txt
new file mode 100644
index 0000000000000000000000000000000000000000..83058e8235943d9d179fcf49a7ad305318562745
--- /dev/null
+++ b/chunks/txt/bb3f7ae50da44201215ec33666bb287b53e0b3a288b3a7b25cbc2a2caffc3677.txt
@@ -0,0 +1,86 @@
+Uniform Appraisal Dataset
+
+17 Market
+
+Market: Search Result Metrics – Active Listings
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+17.005 Active Listings
+
+Always required
+
+Number
+
+Definition / Additional Guidance
+
+Active Listings: The number of active listings in the defined market area that
+directly compete with the subject, as of the appraisal effective date. Can be 0.
+
+17.006 Active Listings
+
+Median Days on
+Market
+
+17.007 Active Listings
+
+Lowest List Price
+
+17.008 Active Listings
+
+Median List
+Price
+
+Required when there
+are Active Listings
+
+Number
+
+Median Days on Market for active listings in the defined market area that
+directly compete with the subject, as of the appraisal effective date.
+
+Required when there
+are Active Listings
+
+Required when there
+are Active Listings
+
+Dollar amount
+
+Dollar amount
+
+Lowest List Price for Active Listings in the defined market area that directly
+compete with the subject, as of the appraisal effective date.
+
+Median List Price for Active Listings in the defined market area that directly
+compete with the subject, as of the appraisal effective date.
+
+17.009 Active Listings
+
+Highest List Price
+
+Required when there
+are Active Listings
+
+Dollar amount
+
+Highest List Price for Active Listings in the defined market area that directly
+compete with the subject, as of the appraisal effective date.
+
+Pending Sales
+
+This subsection is for pending sales only, which may include the subject property if applicable. Do not include
+active listings in these metrics.
+
+Market: Search Result Metrics – Pending Sales
+
+Report
+Field ID
diff --git a/chunks/txt/bb3fcbea90ee1634f294e7a555ee8849ff494c7b836deea84b717765a41b32fa.txt b/chunks/txt/bb3fcbea90ee1634f294e7a555ee8849ff494c7b836deea84b717765a41b32fa.txt
new file mode 100644
index 0000000000000000000000000000000000000000..191b37fee39fa670b73cbd62c83765650c9b2519
--- /dev/null
+++ b/chunks/txt/bb3fcbea90ee1634f294e7a555ee8849ff494c7b836deea84b717765a41b32fa.txt
@@ -0,0 +1,129 @@
+GRM Comparable Data
+Source is only applicable
+to comparables
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+24.010
+
+Data Source
+
+Always
+
+Required when GRM
+Comparable Data
+Source is MLS, or if
+applicable for other
+data sources
+
+Free-form
+
+Data Source Identifier is
+only applicable to
+comparables
+
+24.011
+
+Proximity to
+Subject
+
+Always
+
+Always required
+
+Number of miles
+or kilometers
+
+Proximity to Subject is
+only applicable to
+comparables
+
+No
+
+No
+
+No
+
+No
+
+No
+
+Property Photo
+Photo of the property, typically the front.
+Note: GRM comparable photos are required and redisplay in Income
+Approach Exhibits with the Comparable #.
+
+Assessor Record
+Builder or Developer
+Condominium Questionnaire
+Cooperative Board
+Cooperative Questionnaire
+Data Aggregator
+Exterior Inspection
+Homeowners Association
+Land Survey
+Lender
+
+GRM Comparable Data Source
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+• MLS
+•
+•
+•
+•
+•
+•
+
+Previous Appraisal File
+Property Management Company
+Property Owner
+Property Tenant
+Real Estate Agent
+Other (Describe)
+
+Data Source Identifier: A unique number or identifier assigned to the
+GRM comparable by the data source.
+Notes:
+•
+
+If GRM Comparable Data Source is MLS, the MLS number is
+required.
+If a data source has an identifier, it must be reported on the URAR.
+
+•
+
+Proximity to Subject
+Note: Can be 0, such as when the comparable is in the same building as
+the subject property or an adjacent property.
+
+Appendix F-1: URAR Reference Guide
+
+Page 305 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+24 Income Approach
+
+Report Label
+
+When Row
+Displays
+
+When to Include for
+each Comparable
diff --git a/chunks/txt/bb44f2940a912dca4ecd538c9c42a87d7a2d7f6f910d1aa4256840be10ca8c96.txt b/chunks/txt/bb44f2940a912dca4ecd538c9c42a87d7a2d7f6f910d1aa4256840be10ca8c96.txt
new file mode 100644
index 0000000000000000000000000000000000000000..813452df308d125cf50522d18fe6dcb2e676197c
--- /dev/null
+++ b/chunks/txt/bb44f2940a912dca4ecd538c9c42a87d7a2d7f6f910d1aa4256840be10ca8c96.txt
@@ -0,0 +1,143 @@
+—
+
+—
+
+Inground Pool
+
+$(12,000)
+
+$6,000
+
+—
+
+$6,000
+
+Driveway | 2 | Asphalt
+Garage | 2 | Built-in 460 Sq. Ft.
+
+Driveway | 2 | Asphalt
+Garage | 2 | Built-in
+
+Driveway | 2 | Asphalt
+Garage | 2 | Built-in
+
+Driveway | 2 | Asphalt
+Garage | 2 | Built-in
+
+$489,000
+
+$489,000
+
+$460,000
+
+—
+
+$460,000
+
+$30,760
+
+$141
+
+$490,760
+
+Most
+
+$449,900
+
+—
+
+$450,000
+
+$40,540
+
+$160
+
+$490,540
+
+Most
+
+$525,000
+
+—
+
+$520,000
+
+$14,400
+
+$185
+
+$534,400
+
+Less
+
+Indicated Value by Sales Comparison Approach
+
+Indicated Value
+
+$491,000
+
+Reconciliation of Sales Comparison Approach
+
+Comps 1 and 2 were from the same neighborhood as the Subject. Comp 3 not given as much weight because of different subdivision.
+Condition Rating adjustments were made to all comps due to the subject’s flooring having stained carpets and no updates. Comp 1 also had
+a partially updated kitchen which was accounted for in the Condition Rating adjustment. Sales with property characteristics of 5 bedrooms,
+media room and wet bar were in the competitive market area, exhibited in #4 and 5 of the Additional Properties Analyzed Not Used, but were
+not as comparable since they were larger, farther away, and superior quality.
+
+Additional Properties Analyzed Not Used
+
+#
+1
+
+2
+
+3
+
+4
+
+5
+
+Property Address
+101 Somewhere Ln
+Treeville, VA 12345
+
+955 Black Swan Rd
+Treeville, VA 12345
+
+325 Summit Ct
+Treeville, VA 12345
+
+7464 Blank Ln
+Treeville, VA 12345
+
+8718 Mover Ln
+Treeville, VA 12345
+
+Sale Date
+—
+
+Status
+Active
+
+—
+
+Pending
+
+08/21/2019
+
+Settled Sale
+
+06/02/2019
+
+Settled Sale
+
+07/13/2019
+
+Settled Sale
+
+Reason Not Used
+Proximity
+Quality
+
+Comment
+Inferior quality and non-similar location
diff --git a/chunks/txt/bb4900dbecdd250e3359fb8557b092103289eb9652d9195720aa077708d660da.txt b/chunks/txt/bb4900dbecdd250e3359fb8557b092103289eb9652d9195720aa077708d660da.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f7399db89f3e652961c01b87a2bcf094b6b346a4
--- /dev/null
+++ b/chunks/txt/bb4900dbecdd250e3359fb8557b092103289eb9652d9195720aa077708d660da.txt
@@ -0,0 +1,54 @@
+Unique
+ID
+
+Form
+Field
+ID
+
+Form Field
+Name
+
+Data Point Name
+
+Implementation Notes
+
+2.0031
+
+L1.3.2
+
+Renovation
+
+RenovationLoanIndicator
+
+If the loan is a HomeStyle Renovation Mortgage, the
+indicator must be “true”, and the cost of renovations
+must be provided in
+AlterationsImprovementsAndRepairsAmount.
+
+7.0003
+
+L4.2
+
+B. Improvements,
+Renovations, and
+Repair
+
+AlterationsImprovements
+AndRepairsAmount
+
+If the loan is a HomeStyle Renovation Mortgage the
+cost of renovations must be provided.
+
+© 2023 Fannie Mae 1.25.23 1 of 2
+
+Release Support
+
+DU Version 11.1 will be implemented in the DU integration environment on or around Jan. 25, 2023.
+
+If you have questions about the integration impact or if you require support specific to this release, contact your
+Technology Integration Analyst or Integration Support. For more information about DU, visit the DU page or contact
+your Fannie Mae representative.
+
+© 2023 Fannie Mae 1.25.23
+
+2 of 2
diff --git a/chunks/txt/bb4fd1efc5bcea8e561d6d229228b318e0496e8f1d0fb1e640bd0f089568c417.txt b/chunks/txt/bb4fd1efc5bcea8e561d6d229228b318e0496e8f1d0fb1e640bd0f089568c417.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d0e9cb29f3cddf83cfeea3b14ede05f629b8d4c1
--- /dev/null
+++ b/chunks/txt/bb4fd1efc5bcea8e561d6d229228b318e0496e8f1d0fb1e640bd0f089568c417.txt
@@ -0,0 +1,12 @@
+---
+source_url: "https://www.x.com/FHFA"
+date_accessed: "2026-01-27T17:47:50.564Z"
+---
+
+body { -ms-overflow-style: scrollbar; overflow-y: scroll; overscroll-behavior-y: none; } .errorContainer { background-color: #FFF; color: #0F1419; max-width: 600px; margin: 0 auto; padding: 10%; font-family: Helvetica, sans-serif; font-size: 16px; } .errorButton { margin: 3em 0; } .errorButton a { background: #1DA1F2; border-radius: 2.5em; color: white; padding: 1em 2em; text-decoration: none; } .errorButton a:hover, .errorButton a:focus { background: rgb(26, 145, 218); } .errorFooter { color: #657786; font-size: 80%; line-height: 1.5; padding: 1em 0; } .errorFooter a, .errorFooter a:visited { color: #657786; text-decoration: none; padding-right: 1em; } .errorFooter a:hover, .errorFooter a:active { text-decoration: underline; } #placeholder, #react-root { display: none !important; } body { background-color: #FFF !important; } # JavaScript is not available.
+
+We’ve detected that JavaScript is disabled in this browser. Please enable JavaScript or switch to a supported browser to continue using x.com. You can see a list of supported browsers in our Help Center.
+
+[Help Center](https://help.x.com/using-x/x-supported-browsers)
+
+[Terms of Service](https://x.com/tos) [Privacy Policy](https://x.com/privacy) [Cookie Policy](https://support.x.com/articles/20170514) [Imprint](https://legal.twitter.com/imprint.html) [Ads info](https://business.twitter.com/en/help/troubleshooting/how-twitter-ads-work.html?ref=web-twc-ao-gbl-adsinfo&utm_source=twc&utm_medium=web&utm_campaign=ao&utm_content=adsinfo) © 2026 X Corp. Something went wrong, but don’t fret — let’s give it another shot.
diff --git a/chunks/txt/bb5518b6f22b302d1df7997d1a4b35392ab0afc9af4e9817a9ff8170ec4d843a.txt b/chunks/txt/bb5518b6f22b302d1df7997d1a4b35392ab0afc9af4e9817a9ff8170ec4d843a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..33a942c28147feb35a8f25e577cb30c2b3bc904a
--- /dev/null
+++ b/chunks/txt/bb5518b6f22b302d1df7997d1a4b35392ab0afc9af4e9817a9ff8170ec4d843a.txt
@@ -0,0 +1,152 @@
+IntegratedDisclosure
+CashToCloseItemAm
+ountChangedIndicato
+r
+
+false
+
+ROF as “NO”
+
+10.5.4 If yes…
+
+10.5.1 Loan Estimate
+
+10.5.2 Final
+
+10.5 Deposit
+
+IntegratedDisclosure
+CashToCloseItemCha
+ngeDescription
+
+N/A
+
+IntegratedDisclosure
+CashToCloseItemEsti
+matedAmount
+
+IntegratedDisclosure
+CashToCloseItemFina
+lAmount
+
+IntegratedDisclosure
+CashToCloseItemTyp
+e
+
+10000.00
+
+ROF as “-$10,000.00”
+
+10000.00
+
+ROF as “-$10,000.00”
+
+Deposit
+
+ROF as “Deposit”
+
+Sixth Instance of CASH_TO_CLOSE_ITEM
+
+10.6.3 Did this change?
+
+…/CASH_TO_CLOSE_I
+TEM
+
+IntegratedDisclosure
+CashToCloseItemAm
+ountChangedIndicato
+r
+
+false
+
+ROF as “NO”
+
+10.6.4 If yes…
+
+10.6.1 Loan Estimate
+
+10.6.2 Final
+
+IntegratedDisclosure
+CashToCloseItemCha
+ngeDescription
+
+N/A
+
+IntegratedDisclosure
+CashToCloseItemEsti
+matedAmount
+
+0.00
+
+IntegratedDisclosure
+CashToCloseItemFina
+lAmount
+
+0.00
+
+ROF as “$0”
+
+ROF as “$0”
+
+10.6 Funds For Borrower
+
+IntegratedDisclosure
+CashToCloseItemTyp
+e
+
+FundsForBorrower
+
+ROF as “Funds for
+Borrower”
+
+Seventh Instance of CASH_TO_CLOSE_ITEM
+
+10.7.3 Did this change?
+
+…/CASH_TO_CLOSE_I
+TEM
+
+10.7.4 If yes…
+
+IntegratedDisclosure
+CashToCloseItemAm
+ountChangedIndicato
+r
+
+IntegratedDisclosure
+CashToCloseItemCha
+ngeDescription
+
+true
+
+ROF as “YES”
+
+See Seller Credits in
+Section L
+
+Appendix E: UCD Implementation Guide
+
+Page 153 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+10.0 Calculating Cash to Close
+
+Table 103. Calculating Cash to Close Table – Model Form and Split Disclosure – Borrower-Only
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute MISMO v3.3.0 Value
+
+Notes
+
+10.7.1 Loan Estimate
diff --git a/chunks/txt/bb5861506ee16984b3ccb3651625a67dcc3ad0f2387db5ee6f4bf9837cc97634.txt b/chunks/txt/bb5861506ee16984b3ccb3651625a67dcc3ad0f2387db5ee6f4bf9837cc97634.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bad0b33b7567e7e989a3633efe9e53ccd0cd8f69
--- /dev/null
+++ b/chunks/txt/bb5861506ee16984b3ccb3651625a67dcc3ad0f2387db5ee6f4bf9837cc97634.txt
@@ -0,0 +1 @@
+// Get the toggle button and the search form block document.addEventListener('DOMContentLoaded', function () { var toggleButton = document.querySelector('.fm-toggle-search'); var searchFormBlock = document.querySelector('.fm-search__form-block--header'); // Add click event listener to the toggle button toggleButton.addEventListener('click', function () { searchFormBlock.classList.toggle('is-open'); }); }); atomic-search-interface#search-interface-search-bar { position: absolute; right: 1%; top: 0; padding: 8px; background: #F1F1EF; border-radius: 55px; width: 98%; z-index: 999; transform: translateY(-60px); } @media only screen and (min-width: 768px) { atomic-search-interface#search-interface-search-bar { width: 430px; right: 16px; min-width: 430px; transform: unset; } } atomic-search-interface#search-interface-search-bar:before { content: ''; position: absolute; right: 17px; top: -9px; width: 25px; height: 15px; border-bottom: solid 15px #ededed; border-left: solid 15px transparent; border-right: solid 15px transparent; display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box { width: auto; max-width: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper) { border: 1px solid rgba(12, 12, 12, 0.3); border-radius: 24px; background: #fff; padding: 4px 10px; align-items: center; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper):focus-within { box-shadow: unset; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input) { color: #121212; font-family: 'Source Sans Pro', sans-serif; font-weight: 400; font-size: 16px; display: block; width: 100%; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; text-indent: 0; padding: 12px 14px; line-height: 24px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(input)::placeholder { color: #717171; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestion) { font-size: 16px; color: #121212; padding-top: 12px; padding-bottom: 12px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(suggestions-wrapper){ border: thin solid #7e8c9a; border-radius: 0; width: 97%; margin-left: 6px; margin-top: -10px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button) { background: unset; margin-bottom: 2px; margin-right: 10px; overflow: visible; flex: 0 1 max-content; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-button) { overflow: visible; margin-right: 0; margin-top: 4px; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-button):before { display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon) { color: #cccccc; width: 20px; height: 20px; stroke-width: 0px; display: inline-block; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(submit-icon):hover, atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon):hover { color: #0c77ba; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(clear-icon){ width: 24px; height: 24px; padding: 5px; color: #cccccc; } atomic-search-interface#search-interface-search-bar:before { content: ''; position: absolute; right: 17px; top: -9px; width: 25px; height: 15px; border-bottom: solid 15px #ededed; border-left: solid 15px transparent; border-right: solid 15px transparent; display: none; } atomic-search-interface#search-interface-search-bar atomic-search-box { width: auto; max-width: none; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper) { border: 1px solid rgba(12, 12, 12, 0.3); border-radius: 24px; background: #fff; padding: 4px 10px; align-items: center; } atomic-search-interface#search-interface-search-bar atomic-search-box::part(wrapper):focus-within { box-shadow: unset; } ato
diff --git a/chunks/txt/bb6c2143cb8bdf30b932ef7d2176e9cbdc6e7c93e6bfce5a9acd7f856ea83bde.txt b/chunks/txt/bb6c2143cb8bdf30b932ef7d2176e9cbdc6e7c93e6bfce5a9acd7f856ea83bde.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c36b21299990c0f44b9ba59f814ee84632712898
--- /dev/null
+++ b/chunks/txt/bb6c2143cb8bdf30b932ef7d2176e9cbdc6e7c93e6bfce5a9acd7f856ea83bde.txt
@@ -0,0 +1,7 @@
+H1 – Subsection Title (Gray Bar) ......................................................................................................................... 19
+
+H1-TX – Italic text in H1 (Gray Bar) ..................................................................................................................... 19
+
+H2 – Subheading (Black Rule) ............................................................................................................................. 19
+
+H2-1 - Subheading (Black Rule, one column) ...................................................................................................... 20
diff --git a/chunks/txt/bb75f7dfceb23feacbe3f2f4b3b685256974d04c46059881e9385ac6e7ec4271.txt b/chunks/txt/bb75f7dfceb23feacbe3f2f4b3b685256974d04c46059881e9385ac6e7ec4271.txt
new file mode 100644
index 0000000000000000000000000000000000000000..da8313a62b08f75a36a457fbb90a579309756729
--- /dev/null
+++ b/chunks/txt/bb75f7dfceb23feacbe3f2f4b3b685256974d04c46059881e9385ac6e7ec4271.txt
@@ -0,0 +1,114 @@
+Uniform Residential Appraisal Report
+
+Page 13 of 19
+Page 13 of 19
+
+Sales Comparison Approach (continued)
+
+Property Address
+
+213 Tree Stand Rd
+Anytown, MD 09992
+
+849 Jolly Ave
+Anytown, MD 09992
+
+342 Trail Dr
+Anytown, MD 09992
+
+Subject Property
+
+Comparable #4
+
+Comparable #5
+
+Summary
+
+List Price
+
+Sale Price
+
+Net Adjustment Total
+
+Price Per Finished Area
+Above Grade
+
+Adjusted Price
+
+Comparable Weight
+
+—
+
+$362,500
+
+$360,000
+
+$0
+
+$290
+
+$360,000
+
+Most
+
+$369,900
+
+$365,000
+
+$(5,500)
+
+$286
+
+$359,500
+
+Most
+
+Indicated Value by Sales Comparison Approach
+
+Indicated Value
+
+$350,000
+
+Reconciliation of Sales Comparison Approach
+
+The comparables contain 3 bedrooms and were built in approximately the same time period, offering similar overall utility. No time adjustments
+were warranted as there has been no recent measurable change in market prices. Most emphasis is placed on comparables 4 and 5, which
+although located further away are still within the subject’s market area.
+
+Additional Properties Analyzed Not Used
+
+#
+1
+
+Property Address
+442 Jolly Ave
+Anytown, MD 09992
+
+Sale Date
+01/19/2024
+
+Status
+Settled Sale
+
+Reason Not Used
+Sale or Transfer Type
+
+Comment
+Private sale
+
+Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K
+
+Uniform Residential Appraisal Report
+
+Page 14 of 19
+Page 14 of 19
+
+Sales Comparison Approach (continued)
+
+PG BRK
+
+Sales Comparison Map
+
+This is where the Map of Sales Comparables would display.
+
+Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K
diff --git a/chunks/txt/bb764a819484a5afa6b9b2b0b00e75899fd0b614ef6409ad73f05cf361186ac8.txt b/chunks/txt/bb764a819484a5afa6b9b2b0b00e75899fd0b614ef6409ad73f05cf361186ac8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3645e5b283fca4133396b9f1076162c4642729e1
--- /dev/null
+++ b/chunks/txt/bb764a819484a5afa6b9b2b0b00e75899fd0b614ef6409ad73f05cf361186ac8.txt
@@ -0,0 +1,107 @@
+Appendix F-3: Completion Report Reference Guide
+
+Page 12 of 33
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+02 Original Appraisal
+
+02 Original Appraisal
+
+The Original Appraisal section, containing information from the original appraisal, always displays.
+
+Completion Report - Original Appraisal
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+02.001 Effective Date of
+Appraisal
+
+Always required
+
+mm/dd/yyyy
+
+In the original appraisal, the date to which the appraiser’s analyses, opinions,
+and conclusions applied; also referred to as date of value.
+
+02.002 Opinion of
+
+Always required
+
+Dollar amount
+
+In the original appraisal, market value as defined in the report.
+
+Market Value
+
+02.003 Market Value
+
+Always required
+
+Condition
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+Original Market Value Condition: The market value condition(s) that were
+indicated in the original appraisal.
+•
+•
+•
+•
+
+As Is
+Subject to Completion Per Plans
+Subject to Inspection
+Subject to Repair
+
+02.007
+
+Final Value
+Condition
+Statement
+
+Displays if Original
+Market Value
+Condition is not As Is
+
+N/A
+
+02.004 Appraiser
+
+Always required
+
+Free-form
+
+02.005 Reference ID
+
+Always required
+
+Free-form
+
+Variations of this sentence display based on the information provided in
+Original Market Value Condition.
+
+The name of the primary signatory from the original appraisal report.
+Note: Additional signatories must be identified in Completion Report
+Commentary (06.001).
+
+Original Appraiser Reference ID: In the original appraisal report, an identifier or
+number created by the appraiser to identify their report, generally referred to
+as the appraiser’s file number.
diff --git a/chunks/txt/bb8e2e308b172e1def5f3c0d1a3ec074beb466feb12029ef6fd1103bdab7f10f.txt b/chunks/txt/bb8e2e308b172e1def5f3c0d1a3ec074beb466feb12029ef6fd1103bdab7f10f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..47be50b5a798d457ab8ab7ec59dfab78d21593f3
--- /dev/null
+++ b/chunks/txt/bb8e2e308b172e1def5f3c0d1a3ec074beb466feb12029ef6fd1103bdab7f10f.txt
@@ -0,0 +1,29 @@
+• B2-2-03, Multiple Financed Properties for the Same Borrower;
+• B3-3.1-01, General Income Information (Continuity of Income);
+• B3-3.5-02, Income from Rental Property in DU;
+• B3-4.1-01, Minimum Reserve Requirements; and
+• B3-6-06, Qualifying Impact of Other Real Estate Owned.
+
+Eligible Properties
+
+Rental income is an acceptable source of stable income if it can be established that the income is likely to continue. If the rental
+income is derived from the subject property, the property must be one of the following:
+
+•
+•
+•
+
+a one-unit principal residence property with an existing accessory dwelling unit (ADU), with rental income from the ADU only,
+a two- to four-unit principal residence property in which the borrower occupies one of the units, or
+a one- to four-unit investment property.
+
+If the income is derived from a property that is not the subject property, there are no restrictions on the property type. For
+example, rental income from a commercial property owned by the borrower is acceptable if the income otherwise meets all other
+requirements (it can be documented in accordance with the requirements below).
+
+Ineligible Properties
+
+Generally, rental income from the borrower’s principal residence (a one-unit principal residence or the unit the borrower
+occupies in a two- to four-unit property) or a second home cannot be used to qualify the borrower. However, Fannie Mae does
+allow certain exceptions to this policy for boarder income and rental income on principal residence properties with accessory
+dwelling units. See Selling Guide B3-3.1-09, Other Sources of Income, for boarder income requirements.
diff --git a/chunks/txt/bbaa087c22985f1b2d6d7fc6d567473f08c869c6250bbd471da68b2fa800feeb.txt b/chunks/txt/bbaa087c22985f1b2d6d7fc6d567473f08c869c6250bbd471da68b2fa800feeb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9598169de676f1b0f5be869ed2717636dac2a34b
--- /dev/null
+++ b/chunks/txt/bbaa087c22985f1b2d6d7fc6d567473f08c869c6250bbd471da68b2fa800feeb.txt
@@ -0,0 +1,94 @@
+I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one
+provided significant real property appraisal assistance.
+
+I personally prepared conclusions and opinions about the real estate that were set forth in this appraisal report. [Contact
+Name(s)] provided significant real property appraisal assistance in the development of this report. I certify that any
+individual so named is qualified to perform the assistance.
+
+Page 370
+
+Display Rules
+
+Always displays
+
+Always displays
+
+Always displays
+
+Always displays
+
+Always displays
+
+Always displays
+
+Always displays
+
+Always displays
+
+Display when the Assignment
+section indicates
+PartyRoleType <>
+"SignificantRealPropertyApprai
+salAssistance" for any Contacts
+Display when the Assignment
+section indicates
+PartyRoleType =
+“SignificantRealPropertyApprai
+salAssistance" for one or more
+Contacts
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Report
+Field ID
+
+Cert #
+
+Certifications Text
+
+29.042
+
+21
+
+[Contact Name(s)]
+
+Page 371
+
+Display Rules
+
+Display when the Assignment
+section indicates
+PartyRoleType =
+"SignificantRealPropertyApprai
+salAssistance"
+For each party:
+
+- FirstName and LastName are
+
+Required.
+
+- Deliver MiddleName or
+
+SuffixName when provided.
+
+- Separate multiple names
+
+29.043
+
+29.044
+
+29.045
+
+22
+
+23
+
+24
+
+29.046
+
+25
+
+29.047
+
+26
diff --git a/chunks/txt/bbbf0be9def968e7923243d5dbc33c26c787baadd09dcaff358a2b374b8d1256.txt b/chunks/txt/bbbf0be9def968e7923243d5dbc33c26c787baadd09dcaff358a2b374b8d1256.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7bdc5e6da9dc82d088c831e87eafcc09f54c9a21
--- /dev/null
+++ b/chunks/txt/bbbf0be9def968e7923243d5dbc33c26c787baadd09dcaff358a2b374b8d1256.txt
@@ -0,0 +1,92 @@
+•
+
+“Company Name,” “Company Address” set as TXR-I, TXR.
+
+Right-hand side of page
+
+•
+
+“Credentials” sets as TX-B.
+
+o “ID,” “State,” “Expires” set as TXR-I, TXR.
+
+[Role: Appraiser and Supervisory Appraiser] (H2)
+
+Subsection repeats for each [Role] if applicable per iGuide.
+
+Left-hand side of page
+
+•
+
+•
+
+•
+
+•
+
+“Name,” “Designation,” “Company Name,” “Company Address” set as TXR-I, TXR.
+
+“Scope of Inspection by [Role]” sets as TX-B.
+
+“Subject Property Inspection,” sets as TXR-I.
+
+“Exterior,” Interior,” “Inspection Date” set as TXR-II, TXR.
+
+Right-hand side of page
+
+•
+
+•
+
+•
+
+“Credentials” sets as TX-B.
+
+“Level,” “ID,” “State,” “Expires” set as TXR-I, TXR.
+
+“ASC Identifier,” “VA Appraiser ID,” “FHA Appraiser ID,” “Employment Type” set as TXR-B,
+TXR.
+
+Assignment Information and Scope of Work Commentary (H1)
+
+Set Commentary as TXC x 45 picas
+
+Appendix E: Report Style Guide
+
+Page 88 of 90
+
+Version 1.4
+
+Intended Use (H1)
+
+• Starts new page
+
+• Content sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs.
+
+Additional Intended Use (H2)
+
+•
+
+“Additional Intended Use cannot be contrary to the original Intended Use.” sets as TXC-I Myriad Pro Italic
+x 45 picas.
+
+• Text sets as TXC x 45 picas.
+
+Intended User (H1)
+
+• Text sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs.
+
+Additional Intended Users (H2)
+
+•
+
+“Additional Intended Users cannot be contrary to the original Intended User.” sets as TXC-I Myriad Pro
+Italic x 45 picas
+
+• Text sets as TXC x 45 picas.
+
+Certifications
+
+•
+
+“Certifications” sets as TAB.
diff --git a/chunks/txt/bbc7ef103ba5cbb362e527e787d73bcfea3c251504815460af0028590431fc76.txt b/chunks/txt/bbc7ef103ba5cbb362e527e787d73bcfea3c251504815460af0028590431fc76.txt
new file mode 100644
index 0000000000000000000000000000000000000000..898e1060757c0b4aa5016241929450655ef258f1
--- /dev/null
+++ b/chunks/txt/bbc7ef103ba5cbb362e527e787d73bcfea3c251504815460af0028590431fc76.txt
@@ -0,0 +1,31 @@
+Due to the increase in Indicated Value by Sales Comparison
+Approach, the Opinion of Value changed.
+
+Result
+
+Value Change
+
+Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K
+
+Uniform Residential Appraisal Report
+
+Page 17 of 19
+Page 17 of 19
+
+Reconsideration of Value Commentary The borrower provided 3 sales which were not in Hilltop Hills but were within the market area. After
+analyzing the sales provided and adding comps 4 and 5 to the sales grid, there was support for a change in value.
+
+This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of assumptions
+and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions and limiting
+conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis necessary based on the
+complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the certifications are also not permitted.
+However, additional Intended Use, Intended User, and certifications that do not constitute material alterations to this appraisal report, such as
+those required by law or those related to the appraiser’s continuing education or membership in an appraisal organization, are permitted.
+
+Scope of Work
+
+The scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users,
+the intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the
+applicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject
+property; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property
+reported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report.
diff --git a/chunks/txt/bbd4bd1e6df7b6088ae2a427d88b98d67c36f7119a6e8c25b991ddcb75564281.txt b/chunks/txt/bbd4bd1e6df7b6088ae2a427d88b98d67c36f7119a6e8c25b991ddcb75564281.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ebbc1026f5128150de19dade97c3e73052f3a8ee
--- /dev/null
+++ b/chunks/txt/bbd4bd1e6df7b6088ae2a427d88b98d67c36f7119a6e8c25b991ddcb75564281.txt
@@ -0,0 +1,117 @@
+4000
+
+String
+
+Note: All text entered in this field, including overflow into the addendum, must
+be captured and included in the XML data point.
+
+UAD Requirement - Refer to Appendix D Improvements Section
+
+225
+
+1
+
+e-9
+
+IMPROVEMENTS
+
+226
+
+1
+
+e-10
+
+IMPROVEMENTS
+
+227
+
+1
+
+e-11
+
+IMPROVEMENTS
+
+228
+
+1
+
+e-12
+
+IMPROVEMENTS
+
+Describe the condition of
+the property (including
+needed repairs,
+deterioration,
+renovations, remodeling,
+etc.)
+
+Describe the condition of
+the property (including
+needed repairs,
+deterioration,
+renovations, remodeling,
+etc.)
+
+Describe the condition of
+the property (including
+needed repairs,
+deterioration,
+renovations, remodeling,
+etc.)
+
+Describe the condition of
+the property (including
+needed repairs,
+deterioration,
+renovations, remodeling,
+etc.)
+
+GSE Overall
+Condition Type
+
+The overall condition rating of the
+property.
+
+GSE Update Last
+Fifteen Year
+Indicator
+
+Indicates whether updates in any area
+are observed and have taken place in
+the last fifteen years.
+
+GSE Improvement
+Area Type
+
+The area of the subject property
+structure to be noted regarding
+updating or remodeling.
+
+GSE Improvement
+Description Type
+
+The level of work completed on the
+subject property.
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='0']/C
+OMPARISON_DETAIL_EXTENSION/COMP
+ARISON_DETAIL_EXTENSION_SECTION[
+@ExtensionSectionOrganizationName='UNIFO
+RM APPRAISAL
+DATASET']/COMPARISON_DETAIL_EXTE
+NSION_SECTION_DATA/COMPARISON_D
+ETAIL/@GSEOverallConditionType
+
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/OVERALL_CONDITION_RATING
+_EXTENSION/OVERALL_CONDITION_RAT
+ING_EXTENSION_SECTION[@ExtensionSect
+ionOrganizationName='UNIFORM
+APPRAISAL
+DATASET']/OVERALL_CONDITION_RATIN
+G_EXTENSION_SECTION_DATA/OVERAL
+L_CONDITION_RATING/@GSEUpdateLastFi
+fteenYearIndicator
diff --git a/chunks/txt/bbdaf724b06f3023d7de86b093be185b3d73a44b48638e911d1a98ceed769fd7.txt b/chunks/txt/bbdaf724b06f3023d7de86b093be185b3d73a44b48638e911d1a98ceed769fd7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d15608aba500f57dddbd6e1d665503c778df5a50
--- /dev/null
+++ b/chunks/txt/bbdaf724b06f3023d7de86b093be185b3d73a44b48638e911d1a98ceed769fd7.txt
@@ -0,0 +1,15 @@
+Daniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, participated in a panel on Climate-Related Risk for Housing Finance at the Financial Services Conference organized by the Consumer Federation of America on November 16, 2023.
+
+Sandra L. Thompson, Director of FHFA, delivered [remarks](https://home.treasury.gov/system/files/261/CFRAC-20231020-Minutes.pdf) addressing climate change at the Financial Stability Oversight Council’s Climate-related Financial Risk Advisory Committee Meeting on October 20, 2023.
+
+Daniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, delivered remarks on FHFA’s work to address climate change during an interview with National Mortgage Professionals on October 12, 2023.
+
+Daniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, delivered closing remarks addressing climate change at the joint GSE Climate Risk Forum held on October 10, 2023.
+
+Sandra L. Thompson, Director of FHFA, participated in a climate change Q&A organized by the National Association of Federally Insured Credit Unions (NAFCU) on September 13, 2023.
+
+Daniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, delivered remarks which also touched upon climate change at the 2023 American Real Estate and Urban Economics Association (AREUEA) National Conference held on June 1, 2023.
+
+Daniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, participated in a panel discussion on climate risk hosted by CoreLogic on May 10, 2023.
+
+Daniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, delivered remarks on FHFA’s actions to address climate-related risk during the Ceres webinar, The Climate Risk Scorecard: Assessing U.S. Financial Regulator Action, on December 6, 2022.
diff --git a/chunks/txt/bbe64439e49b85d4c5695820731897ff7fa6e3a8d78c52c17dd5969aa9c28a75.txt b/chunks/txt/bbe64439e49b85d4c5695820731897ff7fa6e3a8d78c52c17dd5969aa9c28a75.txt
new file mode 100644
index 0000000000000000000000000000000000000000..adfdb2311d73743cc93267ed99f3d8eee49d2e9b
--- /dev/null
+++ b/chunks/txt/bbe64439e49b85d4c5695820731897ff7fa6e3a8d78c52c17dd5969aa9c28a75.txt
@@ -0,0 +1,54 @@
+In addition, there are tables and subsections that include space for comments or descriptions. Concise
+comments should be entered instead of typing in “see below”.
+
+Photos and Images
+
+All photos and images display in the appropriate section of the URAR, and with the exception of the following,
+display in the Exhibits subsection.
+• A large photo displays at the top of these sections:
+
+o Summary
+o Dwelling Exterior
+o Outbuilding
+
+Appendix F-1: URAR Reference Guide
+
+Page 17 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Overview
+
+•
+
+Legal Description image, if applicable, displays in the Legal Description subsection of Subject Property
+(3.031)
+
+• A thumbnail of the subject property and each comparable (Property Photo) displays:
+
+o At the top of the sales grid in Sales Comparison Approach (22.01)
+o
+o At the top of the GRM comp grid in Income Approach (24.000)
+
+In the Comparable Rental Properties subsection of Rental Information (23.02)
+
+Identifying and Describing Photos and Images
+
+The appraiser must identify each photo or image from the list in the table below.
+• For most photos or images, there is a predefined caption or gray bar that automatically displays.
+• Depending on the photo or image,
+
+o An additional caption must be provided, or
+o An additional caption may be provided to further identify the photo or image, or
+o There is no additional caption. Example: Sales Comparison Map is a gray bar and does not require
+
+an additional caption.
+
+• The table below indicates when photos are required per the URAR Reference Guide.
+
+o Examples:
+
+▪ A large photo (“Property Photo”) must be displayed at the top of the Summary section.
+▪ Photos are required for all physical defects, damages, and deficiencies.
diff --git a/chunks/txt/bbf0d88538024f26837a092e69720bcc0f3fe9ed0a05ae0767c91882e202a989.txt b/chunks/txt/bbf0d88538024f26837a092e69720bcc0f3fe9ed0a05ae0767c91882e202a989.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e4149890fb22b03178705717568395d249f9ae71
--- /dev/null
+++ b/chunks/txt/bbf0d88538024f26837a092e69720bcc0f3fe9ed0a05ae0767c91882e202a989.txt
@@ -0,0 +1,63 @@
+o
+o
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+o Site Size - LotSizeAreaMeasure (UID: 1100.0020, FID: 4.112)
+
+o Displays when @ValuationUseType = "LandComparable"
+o Display the number followed by @AreaUnitOfMeasureType
+
+o Sale Date - OwnershipTransferDate (UID: 1100.0018, FID: 4.113)
+o Displays when @ValuationUseType = "LandComparable"
+
+o Price - OwnershipTransferTransactionAmount (UID: 1100.0019, FID: 4.114)
+
+o Displays when @ValuationUseType = "LandComparable"
+
+• Reconciliation of Site Value - SiteEstimatedValueCommentDescription (UID: 1100.0031, FID: 4.115)
+
+o Displays when CostApproachIndicator (UID: 1000.0027, FID: Not on report) = “true” OR SiteValueIndicator (UID: 1000.0033,
+
+FID: Not on report) = “true”.
+
+Figure 4 - 11
+
+Page 136
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 137
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 138
+
+Site Commentary
+
+The Site Commentary subsection displays only when comments are provided. Any commentary must use ValuationCommentText (UID:
+0100.0044, FID: 4.116) and ValuationAnalysisCategoryType (UID: 0100.0045, FID: Not on report) = “Site”.
+
+Site Exhibits
+
+The Site Exhibits subsection displays when images are provided. All text displays above the image in bold font.
+
+• Any images included must be delivered using ImageCategoryType (UID: 1400.0638, FID: 6.018).
+• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 6.017).
+
+Report
+Field ID
+
+Unique ID MISMO Data Point/Enumerated Value
+
+Image Header
+
+Conditionality
+
+Site Exhibits
+
+4.017.1
+
+1400.0983
+
+ImageCategoryType/NonresidentialUse
diff --git a/chunks/txt/bc003f9ca51cda42a1daba1d9e2f49183b6eb93c18de5f7f06e47193b367e46c.txt b/chunks/txt/bc003f9ca51cda42a1daba1d9e2f49183b6eb93c18de5f7f06e47193b367e46c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..003ccf719c6632cda5116ab33147bb251dabe813
--- /dev/null
+++ b/chunks/txt/bc003f9ca51cda42a1daba1d9e2f49183b6eb93c18de5f7f06e47193b367e46c.txt
@@ -0,0 +1,451 @@
+Property Rights Appraised
+
+Annual Ground Rent
+
+Native American Lands
+
+All Rights Included
+
+Rights Not Included
+
+Same Builder as Subject
+
+Project Information
+
+Project Name | Same
+Project as Subject
+
+Monthly Fee
+
+Common Amenities/Services
+
+Special Assessments
+
+Site
+
+Site Owned in Common
+
+Site Size
+
+Neighborhood Name
+
+Zoning Compliance
+
+Hazard Zone
+
+Primary Access
+
+Street Type | Surface
+
+Property Restriction
+
+Easement
+
+Topography
+
+Drainage
+
+Site Characteristics
+
+Site Influence (Location)
+
+Apparent Environmental
+Conditions
+
+View | Range
+
+Water Frontage with Private Access
+
+Water Frontage
+
+Permanent Waterfront
+Feature
+
+Right to Build
+
+Total Linear Measurement
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+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 Property
+
+Comparable #
+
+Comparable #
+
+Comparable #
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
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+$
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+$
+
+$
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+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+Property Address
+
+Dwelling(s)
+
+Year Built
+
+Structure Design
+
+Gross Building Finished Area
+
+Noncontinuous
+Finished Area
+
+Townhouse End Unit
diff --git a/chunks/txt/bc01d737693d9b47af2db2b6ff764e5b4f9ac890d779cdc76d1980283566c632.txt b/chunks/txt/bc01d737693d9b47af2db2b6ff764e5b4f9ac890d779cdc76d1980283566c632.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d2381890342ec154baacd35747b5ded0c235a3fb
--- /dev/null
+++ b/chunks/txt/bc01d737693d9b47af2db2b6ff764e5b4f9ac890d779cdc76d1980283566c632.txt
@@ -0,0 +1,7 @@
+Vehicle Storage ............................................................................................................................................. 51
+
+Apparent Defects, Damages, Deficiencies (Vehicle Storage) (H1) ...................................................................... 51
+
+Vehicle Storage Commentary (H1) ..................................................................................................................... 52
+
+Vehicle Storage Exhibits (H1) .............................................................................................................................. 52
diff --git a/chunks/txt/bc03d106aa409f57cc947e5d129840e07fba4ef5483c9e85877dec452cc076c5.txt b/chunks/txt/bc03d106aa409f57cc947e5d129840e07fba4ef5483c9e85877dec452cc076c5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..560924adf9e6258216c913c133b7e0abe669573c
--- /dev/null
+++ b/chunks/txt/bc03d106aa409f57cc947e5d129840e07fba4ef5483c9e85877dec452cc076c5.txt
@@ -0,0 +1,57 @@
+[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
+
+#### Search & Filter
+
+Keyword
+
+Category Briefs, Notes & White Papers
+
+NMDB Staff Working Papers
+
+Staff Working Papers Items per page 10 25 50
+
+## Search & Filter
+
+Keyword
+
+Category Briefs, Notes & White Papers
+
+NMDB Staff Working Papers
+
+Staff Working Papers Items per page 10 25 50
+
+# Research
+
+- Briefs, Notes & White Papers
+
+December 19, 2024
+
+## [The Size of the Affordable Mortgage Market: 2025-2027 Enterprise Single-Family Housing Goals - December 2024](/research/papers/2025-2027-enterprise-single-family-housing-goals-12-2024)
diff --git a/chunks/txt/bc05901ddeee057fc0b9c79fa714ccac0db3d612dcec27175013f711760d678b.txt b/chunks/txt/bc05901ddeee057fc0b9c79fa714ccac0db3d612dcec27175013f711760d678b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1efd527da8ee16364509bba1b6297908f321dbba
--- /dev/null
+++ b/chunks/txt/bc05901ddeee057fc0b9c79fa714ccac0db3d612dcec27175013f711760d678b.txt
@@ -0,0 +1,37 @@
+Updated Risk Factors
+
+DU will continue to evaluate multiple factors from the borrower’s loan application and credit report to perform a comprehensive
+risk assessment. The following risk factors will be updated with DU V. 12.0.
+
+Note: No changes will be made to the other risk factors listed in Selling Guide section B3-2-03, Risk Factors Evaluated by DU.
+
+Debt-to-Income Ratio/Debt Composition
+
+DU will continue to evaluate the composition of the borrower’s debt; however, DU will no longer look at the composition of
+revolving debts within the borrower’s total monthly expenses. DU will continue to look at the borrower’s debt composition in
+relation to student loan debts.
+
+© 2024 Fannie Mae.
+
+11.20.24 1 of 4
+
+Variable Income
+
+DU will no longer evaluate a borrower’s variable income (i.e., bonus, overtime, commission, and miscellaneous) as a factor in the
+DU risk assessment.
+
+First-time Homebuyer
+
+The presence of a first-time homebuyer on the loan application will now be considered a mitigating factor in the DU risk
+assessment. DU V. 12.0 research showed that loans where a borrower identified themselves as first-time homebuyers performed
+better than similar loans for borrowers that had previously owned a home.
+
+Risk Factor Messaging
+
+The messages in DU that specify the risk factors that impacted the recommendation will be updated to reflect the changes to the
+risk factors noted above and will also provide additional specificity regarding the credit risk factors from a borrower’s credit
+report.
+
+The Lender Guidance for Use with Applicants messages will also be updated to provide lenders additional actionable guidance on
+potential updates to the terms of the loan, or the use of a 12-month asset report that includes the borrower’s rent payment
+history, to help improve the recommendation received by DU.
diff --git a/chunks/txt/bc09e44f37900f178b8ab35d2725b1e396e5de18f020960adfd6a922c4d80c0b.txt b/chunks/txt/bc09e44f37900f178b8ab35d2725b1e396e5de18f020960adfd6a922c4d80c0b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..41873022a19d285c878ac319e5c204b0caf6b58b
--- /dev/null
+++ b/chunks/txt/bc09e44f37900f178b8ab35d2725b1e396e5de18f020960adfd6a922c4d80c0b.txt
@@ -0,0 +1,20 @@
+*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for costs that are
+normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable because the seller pays these costs in virtually all sales
+transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third-party
+institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar-for-dollar cost
+of the financing or concession, but the dollar amount of any adjustment should approximate the market’s reaction to the financing or concessions based on
+the appraiser’s judgment.
+
+Statement of Assumptions and Limiting Conditions
+
+The appraiser assumes that the title is good and marketable unless he or she becomes aware of information to the contrary.
+
+If the appraiser has included a sketch or floor plan in this appraisal report, it shows the approximate dimensions and is included only to assist
+the reader in visualizing the property and understanding the appraiser’s determination of its size.
+
+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.
diff --git a/chunks/txt/bc1cc0f22ac06e3a534201be7c1ba60aad9d0643caca5669e15b1afc2f2bb0c5.txt b/chunks/txt/bc1cc0f22ac06e3a534201be7c1ba60aad9d0643caca5669e15b1afc2f2bb0c5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..907a7c7d70eb6e375c3876622743e437dfd0fd6d
--- /dev/null
+++ b/chunks/txt/bc1cc0f22ac06e3a534201be7c1ba60aad9d0643caca5669e15b1afc2f2bb0c5.txt
@@ -0,0 +1,116 @@
+Table 14. UCD v2.0 Spec Excerpt-Liability Line Items Data Requirements.
+
+UCD UID
+
+MISMO v3.3.0 / EXTENSION Data Point
+
+Delivered Value
+
+Implementation Notes
+
+MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LIABILITIES/LIABILIT
+Y/LIABILITY_DETAIL
+
+10.338
+
+LiabilityType
+
+FirstPositionMortgageLien
+
+…/LIABILITY/LIABILITY_DETAIL/EXTENSION/OTHER
+
+10.350
+
+gse:IntegratedDisclosureSectionType
+
+DueFromBorrowerAtClosing
+
+16.012
+
+gse:IntegratedDisclosureSectionType
+
+PayoffsAndPayments
+
+Provide "Other" only when a supported
+enumeration cannot reflect the item
+accurately.
+
+Provide this value when
+DocumentTypeOtherDescription =
+"ClosingDisclosure:ModelForm"
+
+Provide this value when
+DocumentTypeOtherDescription =
+"ClosingDisclosure:AlternateForm"
+
+16.011
+
+gse:LiabilitySecuredBySubjectPropertyIndicat
+or
+
+true
+
+…/LIABILITY/LIABILITY_HOLDER/NAME
+
+UCD v2.0 Implementation Guide
+
+- 27 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Table 14. UCD v2.0 Spec Excerpt-Liability Line Items Data Requirements.
+
+UCD UID
+
+MISMO v3.3.0 / EXTENSION Data Point
+
+Delivered Value
+
+Implementation Notes
+
+10.343
+
+FullName
+
+Rho Servicing
+
+Provide the name of the entity to which
+the liability is owed.
+
+…/LIABILITY/PAYOFF
+
+10.334 PayoffAmount
+
+…/LIABILITY/LIABILITY_DETAIL
+
+350000.00
+
+Include any prepayment penalty
+amount in this value.
+
+10.338
+
+LiabilityType
+
+Revolving
+
+…/LIABILITY/LIABILITY_DETAIL/EXTENSION/OTHER
+
+10.350
+
+gse:IntegratedDisclosureSectionType
+
+DueFromBorrowerAtClosing
+
+16.012
+
+gse:IntegratedDisclosureSectionType
+
+PayoffsAndPayments
+
+Mutually exclusive with
+“PayoffsAndPayments”
diff --git a/chunks/txt/bc1d6f5244142f08e706991822784df3b706981683c8c34ff091850dc25c0706.txt b/chunks/txt/bc1d6f5244142f08e706991822784df3b706981683c8c34ff091850dc25c0706.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ffbabc78441236ed9fe1d5e688257cf76b4abbbf
--- /dev/null
+++ b/chunks/txt/bc1d6f5244142f08e706991822784df3b706981683c8c34ff091850dc25c0706.txt
@@ -0,0 +1,153 @@
+TXR-I
+
+TXR-I
+TX-B
+TXR-I
+TXR-II
+TXR-II
+TXR-II
+
+H2
+
+TXR-I
+
+TXR-I
+TX-B
+TXR-I
+TXR-II
+TXR-II
+TXR-II
+
+H1
+
+TXC
+
+Assignment Information and Scope of Work Commentary
+
+2 COLUMN PAGE FORMAT
+
+HDR-R
+
+TX-B
+TXR-I
+
+TXR-I
+
+TX-B
+TXR-I
+
+TXR-I
+TXR-B
+
+TXR-B
+
+TX-B
+TXR-I
+
+TXR-I
+TXR-B
+
+TXR-B
+
+Credentials
+
+ID
+State
+Expires
+
+Credentials
+
+Level
+ID
+State
+Expires
+
+ASC Identifier
+VA Appraiser ID
+FHA Appraiser ID
+Employment Type
+
+Credentials
+
+Level
+ID
+State
+Expires
+
+ASC Identifier
+VA Appraiser ID
+FHA Appraiser ID
+Employment Type
+
+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
+
+Intended Use
+
+2 COLUMN PAGE FORMAT
+
+HDR-R
+
+TXC
+
+The intended use of this certification of completion is for the lender/client to confirm that the requirements or conditions stated in the
+appraisal report referenced above have been met.
+
+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
+
+TXC-I
+
+Additional Intended Users cannot be contrary to the original Intended User.
+
+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 subject property, or relationship with the present or prospective owners or occupants of the
+subject property, or other parties involved in this transaction.
diff --git a/chunks/txt/bc54c13913cbaa4a9523bab0e9f744d07924f302075efbe08316821a85de86fc.txt b/chunks/txt/bc54c13913cbaa4a9523bab0e9f744d07924f302075efbe08316821a85de86fc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ef6efa4939ef628f48b74b2dd859f6fcecbaa394
--- /dev/null
+++ b/chunks/txt/bc54c13913cbaa4a9523bab0e9f744d07924f302075efbe08316821a85de86fc.txt
@@ -0,0 +1,98 @@
+Uniform Residential Appraisal Report
+
+Page 12 of 22
+Page 12 of 22
+
+Project Information (continued)
+
+Observed Deficiency
+
+This is where the Observed Deficiency photo would display.
+
+Subject Listing Information
+
+Current and/or relevant listings of the subject property (minimum 1 year look back)
+
+Current or Relevant Listings
+
+Data Source
+
+None
+Property Owner
+
+Prior Sale and Transfer History
+
+Subject Transfer History
+
+Prior sales and/or transfers of the subject property (minimum 3 year look back)
+Transfer Terms
+Typically Motivated
+
+Date
+07/10/2017
+
+Amount
+$700,000
+
+Data Source
+Assessor Record
+MLS
+
+Analysis of Prior Sale and Transfer History of Subject Property There has been little fluctuation in the market during the past 4 years.
+
+Comparable Transfer History
+
+Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)
+#
+#1 None
+
+Transfer Terms
+
+Amount
+
+Date
+
+Data Source
+Assessor Record
+MLS
+
+#2
+
+Typically Motivated
+
+10/01/2018
+
+#3
+
+Typically Motivated
+
+12/31/2018
+
+Typically Motivated
+
+09/15/2018
+
+#4 None
+
+$779,000
+
+$750,000
+
+$725,000
+
+Assessor Record
+MLS
+
+Assessor Record
+MLS
+
+Assessor Record
+MLS
+
+MLS
+
+Analysis of Prior Sale and Transfer History of Comparable Sales There was no information regarding material changes to Comparable
+#2 made known to the appraiser. Concerning Comparable #3, a kitchen remodel occurred prior to the most recent transfer, supporting an
+increase in price.
+
+Appraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1)
diff --git a/chunks/txt/bc57ba79e9126cd77556bbbb09a388143a2ef946d633a4d362862b2c9867f95c.txt b/chunks/txt/bc57ba79e9126cd77556bbbb09a388143a2ef946d633a4d362862b2c9867f95c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a8b6c12ba2bd2b707fa81e1f5ddf19090f8940b8
--- /dev/null
+++ b/chunks/txt/bc57ba79e9126cd77556bbbb09a388143a2ef946d633a4d362862b2c9867f95c.txt
@@ -0,0 +1,102 @@
+Notes
+
+21.4 Annual Percentage
+Rate (APR)
+
+…/FEES_SUMMARY/FE
+E_SUMMARY_DETAIL
+
+APRPercent
+
+4.4040
+
+ROF as “4.404%”
+
+21.3 Amount Financed
+
+FeeSummaryTotalAmo
+untFinancedAmount
+
+148367.91
+
+ROF as “$148,367.91”
+
+21.2
+
+Finance Charge
+
+FeeSummaryTotalFinan
+ceChargeAmount
+
+116884.00
+
+ROF as “$116,884”
+
+21.5
+
+Total Interest
+Percentage (TIP)
+
+FeeSummaryTotalInter
+estPercent
+
+74.6600
+
+ROF as “74.66%”
+
+21.1
+
+Total of Payments
+
+FeeSummaryTotalOfAll
+PaymentsAmount
+
+269574.50
+
+ROF as “$269,574.50”
+
+UID
+4.039
+
+N/A GSE
+
+…/HIGH_COST_MORT
+GAGE
+
+AveragePrimeOfferRat
+ePercent
+
+nn.nnnn
+
+Not Shown. ATR/QM
+
+A. MAPPI NG GUI DANCE
+
+All five of these calculation amounts are in FEE_SUMMARY_DETAIL as individual data points. Because these data
+points are unique and do not appear anywhere else on the form, they are not accompanied by an Integrated
+Disclosure Section Type or Integrated Disclosure Subsection Type data point. Also included is the GSE-Required
+data point Average Prime Offer Rate Percent required by Regulation Z.
+
+B. FOR MORE I NFORMATI ON
+
+21.0 Reg §1026.38(o), pp. 80128, 80037.
+
+21.1 Reg §1026.38(o)(1), pp. 80128, 80359-60, 80037-38. For guidance on the amounts included in the total of
+
+payments calculation, see comment 37(l)(1)(i)–1.
+
+21.2 Reg §1026.38(o)(2) pp. 80128,80360, 80038-40. The finance charge is calculated in accordance with the
+
+requirements of §1026.4 and its commentary. Also see 38(o)(2)-1 and -2.
+
+Appendix E: UCD Implementation Guide
+
+Page 220 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+21.0 Loan Calculations
+
+21.3 Reg §1026.38(o)(3) pp. 80128, 80360, 80040. The amount financed is calculated in accordance with the
diff --git a/chunks/txt/bc5b33aac5797959f5ad713165a5610a367d42ec761e6b5e19b45cf5b2c4c8f3.txt b/chunks/txt/bc5b33aac5797959f5ad713165a5610a367d42ec761e6b5e19b45cf5b2c4c8f3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8e85412e24c8205950a123fe6ac10e060376590f
--- /dev/null
+++ b/chunks/txt/bc5b33aac5797959f5ad713165a5610a367d42ec761e6b5e19b45cf5b2c4c8f3.txt
@@ -0,0 +1,87 @@
+10.350
+
+gse:IntegratedDisclosureSectionType
+
+DueFromBorrowerAtClosing
+
+16.012
+
+gse:IntegratedDisclosureSectionType
+
+PayoffsAndPayments
+
+10.351
+
+gse:IntegratedDisclosureSectionType
+
+PaidAlreadyByOrOnBehalfOfBorrowerAtClosing
+
+16.011
+
+gse:LiabilitySecuredBySubjectPropertyIndicator
+
+MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSING_
+INFORMATION/CLOSING_ADJUSTMENT_ITEMS/CLOSING_ADJUSTMENT_ITEM/EXTENSION/OTHER/gse:CLOSING_ADJUSTMENT_ITEM_P
+AID_TO/gse:LEGAL_ENTITY/gse:LEGAL_ENTITY_DETAIL
+
+3 This data is included in MISMO v3.4.
+
+UCD v2.0 Implementation Guide
+
+- 152 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+Appendix C. UCD v2.0 EXTENSIONS
+
+Table 72. gse: Namespace Data Points.
+
+UCD UID
+
+EXTENSION Data Point
+
+UCD Supported Enumeration
+
+16.021
+
+gse:FullName
+
+MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LATE_CHA
+RGE/EXTENSION/OTHER/gse:LATE_CHARGE_RULES/gse:LATE_CHARGE_RULE
+
+11.073
+
+gse:LateChargeAmount
+
+11.006
+
+gse:LateChargeGracePeriodDaysCount
+
+11.007
+
+gse:LateChargeRatePercent
+
+11.008
+
+gse:LateChargeType
+
+FlatDollarAmount | NoLateCharges |
+PercentageOfDelinquentInterest |
+PercentageOfNetPayment |
+PercentageOfPrincipalBalance |
+PercentageOfTotalPayment |
+PercentOfPrincipalAndInterest
+
+MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DE
+TAIL/EXTENSION/OTHER
+
+16.015
+
+gse:SubordinateFinancingIsNewIndicator
+
+false | true
+
+MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/QUALIFIE
+D_MORTGAGE/QUALIFIED_MORTGAGE_DETAIL/EXTENSION
diff --git a/chunks/txt/bc60fb6e362456f16e86536a1df48cc0f131adfb80187eb0b0d2085bb2f8a2c8.txt b/chunks/txt/bc60fb6e362456f16e86536a1df48cc0f131adfb80187eb0b0d2085bb2f8a2c8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..69486264c6973157432150adf181b8ea80a725de
--- /dev/null
+++ b/chunks/txt/bc60fb6e362456f16e86536a1df48cc0f131adfb80187eb0b0d2085bb2f8a2c8.txt
@@ -0,0 +1,26 @@
+FHFA is required to [estimate the size of the mortgage market in order to establish benchmarks for Fannie Mae and Freddie Mac single-family mortgage housing goals](/research?category%5B176%5D=176).
+
+### ​Multifamily Housing Goals
+
+There are three multifamily housing goals and subgoals in the following categories:
+
+- A goal for the percentage of units affordable to low-income families (income no greater than 80 percent of area median income);
+- A subgoal for the percentage of units affordable to very low-income families (income no greater than 50 percent of area median income); and
+- A subgoal for units in small (5- to 50-unit) multifamily properties affordable to low-income families.
+Before 2023, the multifamily goals and subgoals were based on the absolute number of affordable units in multifamily properties financed by mortgages purchased by the Enterprises. Starting in 2023, the multifamily goals and subgoals are based on the percentage of affordable units in multifamily properties financed by mortgages purchased by the Enterprises.
+
+## Resources****
+
+**Housing Goals Performance​**
+
+​Learn more about [Fannie Mae's and Freddie Mac's housing goals performance](/programs/affordable-housing/housing-goals-performance).
+
+[Annual Housing Report](/reports/annual-housing-report)
+
+**Housing Goals Data**
+
+Learn more about [Fannie Mae's and Freddie Mac's housing goals data](/data/enterprise-housing-goals)​.​
+
+**Housing Goals Final Rule Documents**
+
+[Housing Goals Final Rule for 2026-2028 Enterprise Housing Goals](/regulation/federal-register/final-rule/2026-2028-enterprise-housing-goals-final-rule)
diff --git a/chunks/txt/bc84d36a0645710c31ae8bd10304676327badad01be7d6cbcf70bbc8e389799e.txt b/chunks/txt/bc84d36a0645710c31ae8bd10304676327badad01be7d6cbcf70bbc8e389799e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a0595382017de0ee362464ac811328994d3b6840
--- /dev/null
+++ b/chunks/txt/bc84d36a0645710c31ae8bd10304676327badad01be7d6cbcf70bbc8e389799e.txt
@@ -0,0 +1,48 @@
+``
+ `` `` ``
+
+## Join now to see what you are missing
+
+- Find people you know at Federal Housing Finance Agency
+ - Browse recommended jobs for you
+ - View all updates, news, and articles
+ [Join now](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=public_biz_promo-join)
+
+## Similar pages
+
+- [![image]() ### U.S. Department of Housing and Urban Development
+
+Government Administration
+
+Washington, D.C.](https://www.linkedin.com/company/hud?trk=similar-pages)
+ - [![image]() ### Fannie Mae
+
+Financial Services
+
+Washington, District of Columbia](https://www.linkedin.com/company/fanniemae?trk=similar-pages)
+ - [![image]() ### Federal Housing Administration and HUD Office of Housing
+
+Insurance
+
+Washington, DC](https://www.linkedin.com/company/fed-housing-admin?trk=similar-pages)
+ - [![image]() ### Freddie Mac
+
+Financial Services
+
+McLean, VA](https://www.linkedin.com/company/freddie-mac?trk=similar-pages)
+ - [![image]() ### U.S. Department of Housing and Urban Development Office of Inspector General
+
+Government Administration
+
+Washington, DC](https://www.linkedin.com/company/hud-oig?trk=similar-pages)
+ - [![image]() ### Navy Federal Credit Union
+
+Financial Services
+
+Vienna, VA](https://www.linkedin.com/company/navy-federal-credit-union?trk=similar-pages)
+ - [![image]() ### Consumer Financial Protection Bureau
+
+Government Administration
+
+Washington, DC](https://www.linkedin.com/company/consumer-financial-protection-bureau?trk=similar-pages)
+ - [![image]() ### Ginnie Mae
diff --git a/chunks/txt/bc8975ae975fa767dfddfc6e45bd4a4d03979fe8ae818d1d8a2ff43d3ae10dc8.txt b/chunks/txt/bc8975ae975fa767dfddfc6e45bd4a4d03979fe8ae818d1d8a2ff43d3ae10dc8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0ffdd466dab564fb2747f76c60bca14e6108be1a
--- /dev/null
+++ b/chunks/txt/bc8975ae975fa767dfddfc6e45bd4a4d03979fe8ae818d1d8a2ff43d3ae10dc8.txt
@@ -0,0 +1,102 @@
+Subsequent Change
+
+20.6 1%
+
+20.7 1%
+
+Figure 133. AIR Table –Loan with Temporary Buydown Subsidy
+
+As shown in the figure below, Row 4.2 of the Loan Terms table provides information about the temporary
+buydown subsidy that is presented again in the AIR Table.
+
+1. LOAN TERMS TABLE TEMPORARY BUYDOWN SU BSI DY ENTRI ES
+
+Loan Terms
+
+4.0 Rate
+
+Increase?
+
+Description
+
+4.2 Interest Rate
+
+4.2.1 2.875%
+
+4.2.2 YES
+
+4.2.3
+
+4) Adjusts every year starting in year 2
+
+5) Can go as high as 5.875% in year 4
+
+6) See AIR Table on page 4 for details
+
+Appendix E: UCD Implementation Guide
+
+Page 215 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+20.0 Adjustable Interest Rate (AIR) Table
+
+Figure 134. Temporary Buydown Subsidy Loan
+
+2. LOAN TERMS AND AI R TABLES FOR TEMPORARY BUYDOWN SUBSI DY L OAN
+
+The following table links the information provided in the Loan Terms and AIR Tables. Only those Form Field IDs
+that share values across both tables are included.
+
+Table 145. Loan Terms and AIR Tables for Temporary Buydown Subsidy Loan
+
+Loan Terms Table-Interest Rate (4.2)
+
+AIR Table (20.0)
+
+ID
+(bullet)
+
+4.2.2
+
+Form Field Name
+
+ID
+
+Form Field Name
+
+Interest Rate - Can this amount increase
+after closing? YES
+
+20.0 Adjustable Interest Rate (AIR) Table
+
+(If 4.2.2 = YES must be included)
+
+N/A
+Interest Rate 2.875%
+
+4.2.1
+
+N/A
+
+4.2.3 (2) Can go as high as 5.875% in year #
+4.2.3 (1) Adjusts every # years starting in year 2
+4.2.3 (1) Adjusts every year1 starting in year #
+
+N/A
+N/A
+
+20.1
+20.2
+
+Interest Rate Adjustments (#)
+Initial Interest Rate 2.875%
+
+/Maximum Interest Rate 2.875% / 5.875%
+
+20.3 Minimum/ Interest Rate
+20.3
+20.4 Change Frequency –First Change Beginning of 13th month
+20.5 Change Frequency–Subsequent Change Every 12 months
diff --git a/chunks/txt/bc8b37d6da2dc44f3c5de1259ccd6b7f781159c79d4291a6ef47839978e0678d.txt b/chunks/txt/bc8b37d6da2dc44f3c5de1259ccd6b7f781159c79d4291a6ef47839978e0678d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f7017e1892a32416c828afb81efafe5da2936b6e
--- /dev/null
+++ b/chunks/txt/bc8b37d6da2dc44f3c5de1259ccd6b7f781159c79d4291a6ef47839978e0678d.txt
@@ -0,0 +1,97 @@
+Unit Interior – Other Interior Features
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+10.044
+
+Feature
+
+If applicable (Interior
+Feature is Other)
+
+Free-form
+
+Definition / Additional Guidance
+
+Interior Feature Other Description
+Select Other (Describe) to enter an answer that is not in the Interior Features
+list. Example: Light Fixtures
+Note: Photo(s) of the feature may be provided, which display in Unit Interior
+Exhibits, with the Other Interior Feature Description. An additional caption may
+be provided to further identify the photo.
+
+Appendix F-1: URAR Reference Guide
+
+Page 142 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+10 Unit Interior
+
+Unit Interior – Other Interior Features
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+10.045 Detail
+
+If Interior Feature is
+Other
+
+Allowable
+Answers / Format
+
+Free-form
+
+Definition / Additional Guidance
+
+Other Interior Feature Description: A brief description of the other feature.
+Example: Custom designed including indirect lighting
+Note: For further expansion of commentary, use Unit Interior Commentary
+(10.061).
+
+10.046 Quality
+
+Comment
+
+10.047 Condition Status
+
+If needed to describe
+the current quality of
+the other interior
+feature
+
+If Interior Feature is
+Other
+
+Free-form
+
+A brief description of the quality of the other interior feature as of the effective
+date. For further expansion of commentary, use Unit Interior Commentary
+(10.061).
+
+Choose an
+allowable answer
+from table (Other
+Interior Feature
+Condition Status)
+
+New or Like New
+Typical Wear and Tear
+Damaged and Functional
+Damaged and Nonfunctional
+No Finish
diff --git a/chunks/txt/bc9e9611a8dfef6e67d207158d96f0fd2caf042626719982adef61c06973a072.txt b/chunks/txt/bc9e9611a8dfef6e67d207158d96f0fd2caf042626719982adef61c06973a072.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f69d1ec6d1e83d43c4ff56ba7da9abd386abd116
--- /dev/null
+++ b/chunks/txt/bc9e9611a8dfef6e67d207158d96f0fd2caf042626719982adef61c06973a072.txt
@@ -0,0 +1 @@
+var ytInitialPlayerResponse = {"responseContext":{"serviceTrackingParams":[{"service":"GFEEDBACK","params":[{"key":"is_alc_surface","value":"false"},{"key":"is_viewed_live","value":"False"},{"key":"ipcc","value":"0"},{"key":"wh_paused","value":"1"},{"key":"logged_in","value":"1"}]},{"service":"CSI","params":[{"key":"c","value":"WEB"},{"key":"cver","value":"2.20260126.01.00"},{"key":"yt_li","value":"1"},{"key":"GetPlayer_rid","value":"0xfad8cac4a62ea22d"}]},{"service":"GUIDED_HELP","params":[{"key":"logged_in","value":"1"}]},{"service":"ECATCHER","params":[{"key":"client.version","value":"2.20260126"},{"key":"client.name","value":"WEB"}]}],"maxAgeSeconds":0,"mainAppWebResponseContext":{"datasyncId":"114318780410884518521||","loggedOut":false,"trackingParam":"kx_fmPxhoPZRfVVoDKydEGWQDSxJY4tHPgyW35jk0IGAvbzRgkuMsNLBwOcCE59TDtslLKPQ-SS"},"webResponseContextExtensionData":{"webResponseContextPreloadData":{"preloadMessageNames":["miniplayerRenderer","buttonRenderer","playerCaptionsTracklistRenderer","playerStoryboardSpecRenderer","playerMicroformatRenderer","cardCollectionRenderer","cardRenderer","simpleCardTeaserRenderer","infoCardIconRenderer","tooltipRenderer"]},"hasDecorated":true}},"playabilityStatus":{"status":"OK","playableInEmbed":true,"offlineability":{"buttonRenderer":{"serviceEndpoint":{"clickTrackingParams":"CAoQ6ewBIhMIm9TNpKOskgMVH80WCR14cjuzygEEo4eVSA==","ypcGetOfflineUpsellEndpoint":{"params":"ChPqqN25AQ0KC0EtN0doV3RMTEJvIgtBLTdHaFd0TExCbyoTCAlSDwoLQS03R2hXdExMQm8gAQ%3D%3D"}},"trackingParams":"CAoQ6ewBIhMIm9TNpKOskgMVH80WCR14cjuz"}},"miniplayer":{"miniplayerRenderer":{"playbackMode":"PLAYBACK_MODE_ALLOW"}},"contextParams":"Q0FFU0FnZ0M="},"streamingData":{"expiresInSeconds":"21540","formats":[{"itag":18,"url":"https://rr7---sn-uhvcpax0n5-vgqy.googlevideo.com/videoplayback?expire=1769557598\u0026ei=_fl4advhOp-a2_gP-OTtmQs\u0026ip=2607%3Afb91%3A1019%3A4031%3Ad4dc%3A1c26%3Af1ca%3A1198\u0026id=o-AKbWP7cCbpowkoF7i2rBn3K-rZ6H5goT4ZimCwIsU6vV\u0026itag=18\u0026source=youtube\u0026requiressl=yes\u0026xpc=EgVo2aDSNQ%3D%3D\u0026cps=117\u0026met=1769535997%2C\u0026mh=mG\u0026mm=31%2C29\u0026mn=sn-uhvcpax0n5-vgqy%2Csn-hp57yns6\u0026ms=au%2Crdu\u0026mv=m\u0026mvi=7\u0026pl=40\u0026rms=au%2Cau\u0026pcm2=yes\u0026initcwndbps=1588750\u0026siu=1\u0026bui=AW-iu_o9E8Z0wK0b_YBrHOzLaIyAxtZZWoAFYGCt4QSUvf3EUbp3nCcnA7MojoNGfmSlploE3w\u0026spc=q5xjPD7ahNbOhG5cIJ1n1-bFP4g4tWJZksCfOseT-2oydIGijQOny0Q\u0026vprv=1\u0026svpuc=1\u0026mime=video%2Fmp4\u0026ns=24TwOXZWtbVXoqTZG2aFrloS\u0026rqh=1\u0026cnr=14\u0026ratebypass=yes\u0026dur=226.278\u0026lmt=1742477164539467\u0026mt=1769535682\u0026fvip=5\u0026fexp=51355912%2C51552689%2C51565116%2C51565682%2C51580968\u0026c=WEB\u0026sefc=1\u0026txp=5309224\u0026n=l9hbPc28RWvW5i9H\u0026sparams=expire%2Cei%2Cip%2Cid%2Citag%2Csource%2Crequiressl%2Cxpc%2Cpcm2%2Csiu%2Cbui%2Cspc%2Cvprv%2Csvpuc%2Cmime%2Cns%2Crqh%2Ccnr%2Cratebypass%2Cdur%2Clmt\u0026sig=AJEij0EwRAIgUATRsQutYRoP6qoOGyCbtn9A4iYjrRJB8K0uh6IwC9YCIE59Zv4S0m2mVe3WeN0hETriZ7fkEr40gkxOTQAYEf1p\u0026lsparams=cps%2Cmet%2Cmh%2Cmm%2Cmn%2Cms%2Cmv%2Cmvi%2Cpl%2Crms%2Cinitcwndbps\u0026lsig=APaTxxMwRQIgKvmLmvlw1Xkzz5z5bJLry17Iz96aFbyI8SCSkUo_kE4CIQCAQXettrwe3mMI6WYXmSDgPcvFkVkFabkVyBFLgoQ0YQ%3D%3D","mimeType":"video/mp4; codecs=\"avc1.42001E, mp4a.40.2\"","bitrate":282271,"width":640,"height":360,"lastModified":"1742477164539467","quality":"medium","fps":24,"qualityLabel":"360p","projectionType":"RECTANGULAR","audioQuality":"AUDIO_QUALITY_LOW","approxDurationMs":"226278","audioSampleRate":"44100","audioChannels":2,"qualityOrdinal":"QUALITY_ORDINAL_360P"}],"adaptiveFormats":[{"itag":137,"mimeType":"video/mp4; codecs=\"avc1.640028\"","bitrate":1114859,"width":1920,"height":1080,"initRange":{"start":"0","end":"740"},"indexRange":{"start":"741","end":"1228"},"lastModified":"1742477159947640","contentLength":"14966536","quality":"hd1080","fps":24,"qualityLabel":"1080p","projectionType":"RECTANGULAR","averageBitrate":529259,"approxDurationMs":"226226","qualityOrdinal":"
diff --git a/chunks/txt/bca859d0511f4d8d3a79290e2ecc8b49670a806b83250defcd04757738d277fc.txt b/chunks/txt/bca859d0511f4d8d3a79290e2ecc8b49670a806b83250defcd04757738d277fc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fa3664a7077c07e229ee34eecd636f23f9e08be3
--- /dev/null
+++ b/chunks/txt/bca859d0511f4d8d3a79290e2ecc8b49670a806b83250defcd04757738d277fc.txt
@@ -0,0 +1,36 @@
+• develop and maintain a documented process to monitor the appraisers it uses. The process (at a minimum) must include
+
+an annual review of an appraiser’s state licensing or certification status and a procedure for suspending or terminating
+business with individual appraisers. Additionally, the lender must have a procedure for referring appraisers to the
+applicable state appraiser licensing and regulatory board.
+
+Delegating these responsibilities to a third party does not relieve the lender of its responsibilities related to appraiser
+independence requirements, the appraisal or the value, condition, and marketability of the property. See SB4-1.3-12, Appraisal
+Quality Matters, for information related to ongoing review of appraisals.
+
+Note: Fannie Mae does not approve appraisers. Therefore, when selecting appraisers, lenders must not give any consideration to
+an appraiser’s representation that they are approved or qualified by Fannie Mae.
+
+Supervisory Appraiser
+
+When a supervisory appraiser is used, the supervisory appraiser must sign the appraisal report and certify they:
+
+• did or did not personally inspect the subject property or comparable sales,
+• directly supervised the appraiser that prepared the appraisal report,
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 49 of 166
+
+UAD 3.6 Policy
+
+•
+•
+•
+•
+
+reviewed the appraisal report,
+agree with the statements and conclusions of the appraiser,
+agree to be bound by certifications as set forth in Fannie Mae’s appraisal report, and
+take full responsibility for all elements of the certification, for the assignment results, and for the contents of the
+appraisal report.
diff --git a/chunks/txt/bcae59b549a9e3045f19d33cace7e7f727168b51c63fd67e50216b69e43770c0.txt b/chunks/txt/bcae59b549a9e3045f19d33cace7e7f727168b51c63fd67e50216b69e43770c0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..31b7704a3633c4136184defbd2086aac4532eff4
--- /dev/null
+++ b/chunks/txt/bcae59b549a9e3045f19d33cace7e7f727168b51c63fd67e50216b69e43770c0.txt
@@ -0,0 +1,94 @@
+Notes:
+•
+
+Select Yes when all lot or unit owners are required to have an interest in
+the HOA managing the PUD common areas and facilities.
+Select No if the property is in a condo, co-op, or condop.
+A PUD may be comprised of manufactured homes when meeting the
+definition.
+A project or subdivision with voluntary HOA membership must not be
+identified as a PUD.
+Populates from the Subject Property section (3.010).
+
+•
+•
+
+•
+
+•
+
+18.001
+18.002
+18.003
+
+Condominium
+Cooperative
+Condop
+
+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)
+Note: Property In a Project does not display and populates from the Subject
+Property section (3.011-3.012-3.013).
+
+18.001
+18.002
+18.003
+
+Condominium
+Cooperative
+Condop
+
+Required if Property in
+a Project is Yes
+
+Choose an
+allowable answer
+from table (Project
+Legal Structure)
+
+Project Legal Structure
+•
+•
+•
+Note: Populates from the Subject Property section (3.011-3.012-3.013).
+
+Condominium
+Cooperative
+Condop
+
+Appendix F-1: URAR Reference Guide
+
+Page 182 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+18 Project Information
+
+Allowable Answer
+
+Condominium
+
+Cooperative
+
+Condop
+
+Project Legal Structure (Choose one)
+
+Definition / Additional Guidance
+
+A project that has condominium ownership rights.
+Note: If this answer is selected, a checkmark displays in the Condominium checkbox (18.001) at the top of the Project
+Information section.
+
+A project that has cooperative ownership rights.
+Note: If this answer is selected, a checkmark displays in the Cooperative checkbox (18.002) at the top of the Project
+Information section.
diff --git a/chunks/txt/bcb578b2ea67c4afb38d80b14a609c3001f8f2aff5b5df6e27adfcf441b50e84.txt b/chunks/txt/bcb578b2ea67c4afb38d80b14a609c3001f8f2aff5b5df6e27adfcf441b50e84.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7e7faf934db4da360fb8796b44607ce18065eda8
--- /dev/null
+++ b/chunks/txt/bcb578b2ea67c4afb38d80b14a609c3001f8f2aff5b5df6e27adfcf441b50e84.txt
@@ -0,0 +1,122 @@
+Level 1 - Dining Room
+
+Level 1 - Kitchen
+
+This is where the Unit B Dining Room photo would display.
+
+This is where the Unit B Kitchen photo would display.
+
+Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 9 of 26
+
+Unit Interior - Building 1 - Unit B (continued)
+
+Level 1 - Living Room
+
+This is where the Unit B Living Room photo would display.
+
+Unit Interior - Building 1 - Unit C
+
+Area Breakdown
+
+Finished Above Grade
+Unfinished Above Grade
+Finished Below Grade
+Unfinished Below Grade
+
+Area Data Source
+
+Level and Room Detail
+
+1,190 Sq. Ft.
+0 Sq. Ft.
+0 Sq. Ft.
+0 Sq. Ft.
+Physical Measurement
+
+Levels in Unit
+Floor Number
+Occupancy
+Utilities Separately Metered
+Total Bedrooms
+Total Bathrooms - Full
+Total Bathrooms - Half
+
+1
+2
+Tenant
+Yes
+2
+2
+0
+
+Level in Unit
+Level 1
+
+Grade Level Detail
+ Above Grade
+
+Finish
+Finished
+
+Area
+1,190 Sq. Ft.
+
+Room Summary
+2 - Bath - Full
+2 - Bedroom
+1 - Dining Room
+1 - Kitchen
+1 - Living Room
+
+Quality and Condition
+
+Interior Quality Rating
+
+Q4
+
+Interior Condition Rating
+
+C3
+
+The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report
+
+Kitchen and Bathroom Details
+
+Room
+Kitchen
+Level 1
+
+Bath - Full
+Level 1
+
+Bath - Full
+Level 1
+
+Update Status
+Not Updated
+
+Not Updated
+
+Not Updated
+
+Time Frame
+
+Quality Comment
+
+Condition Comment
+
+Condition Status
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+Overall Update Status for
+Bathrooms
+
+Not Updated
diff --git a/chunks/txt/bcbb660e106dc8b18818df2b8f5068de5e7f653adc041b81366ee5580fbf49bc.txt b/chunks/txt/bcbb660e106dc8b18818df2b8f5068de5e7f653adc041b81366ee5580fbf49bc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8b4543c6d888ac286ff7a41fe74af31f3e0c7de2
--- /dev/null
+++ b/chunks/txt/bcbb660e106dc8b18818df2b8f5068de5e7f653adc041b81366ee5580fbf49bc.txt
@@ -0,0 +1,116 @@
+26
+
+Borrower2Race1Type
+
+CoRace
+
+Borrower2 Race1 Type
+
+27
+
+Borrower1SexType
+
+BoSex
+
+Borrower1 Sex Type
+
+28
+
+Borrower2SexType
+
+CoSex
+
+Borrower2 Sex Type
+
+29
+
+Borrower1AgeAtApplicationYears
+
+BoAge
+
+Borrower1 Age at Application Years Count
+
+30
+
+Borrower2AgeAtApplicationYears
+
+CoAge
+
+Borrower2 Age at Application Years Count
+
+31
+
+PropertyUsageType
+
+Occup
+
+Property Usage Type
+
+PropertyUnitCount
+
+32
+33 NoteRatePercent
+34 NoteAmount
+35 HousingExpenseRatioPercent
+
+NumUnits
+Rate
+Amount
+Front
+
+Property Unit Count
+Note Rate Percent
+Note Amount
+Housing Expense Ratio Percent
+
+36
+
+TotalDebtExpenseRatioPercent
+
+Back
+
+Total Debt Expense Ratio Percent
+
+37
+
+Borrower1CreditScoreValue
+
+BoCreditScor
+
+Borrower 1 Credit Score Value
+
+38
+
+Borrower2CreditScoreValue
+
+CoBoCreditScor
+
+Borrower 2 Credit Score Value
+
+39
+
+PMICoveragePercent
+
+PMI
+
+PMI Coverage Percent
+
+Numeric code indicating the race of the Co-Borrower.
+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
+by borrower, 7=Not Applicable (First or primary
+borrower is an institution, corporation or partnership),
+8=No Co-Borrower
+
+Numeric code indicating the sex of the first or primary
+borrower. 1=Male, 2=Female, 3=Information not
+provided by borrower, 4=Not Applicable (First or
+primary borrower is an institution, corporation or
+partnership), 6=Indeterminate Value
+
+Numeric code indicating the sex of the co-borrower.
+1=Male, 2=Female, 3=Information not provided by
+borrower, 4=No Co-Borrower, 5=Not Applicable (First
+or primary borrower is an institution, corporation or
+partnership), 6=Indeterminate Value
diff --git a/chunks/txt/bcd7e74b32b283ca88d396738bd5db297ed2dd2feafdd2df1350d04686ac1b40.txt b/chunks/txt/bcd7e74b32b283ca88d396738bd5db297ed2dd2feafdd2df1350d04686ac1b40.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c160c563f6f864f35a126f26f284601d1931cf40
--- /dev/null
+++ b/chunks/txt/bcd7e74b32b283ca88d396738bd5db297ed2dd2feafdd2df1350d04686ac1b40.txt
@@ -0,0 +1,127 @@
+Date
+06/16/2019
+
+Amount
+$38,500
+
+Data Source
+Assessor Record
+Previous Appraisal File
+
+Analysis of Prior Sale and Transfer History of Subject Property The prior transfer of the subject was a land sale. Purchase of the
+manufactured home was separate from this transaction. The manufactured home was installed after the purchase of the land.
+
+Comparable Transfer History
+
+Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)
+#
+1
+
+Transfer Terms
+None
+
+Data Source
+MLS
+
+Amount
+
+Date
+
+2
+
+3
+
+4
+
+None
+
+None
+
+None
+
+MLS
+
+MLS
+
+MLS
+
+Analysis of Prior Sale and Transfer History of Comparable Sales There were no prior sales or transfers of the comparable sales within the
+last 12 months.
+
+Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 11 of 20
+
+PG BRK
+
+PG BRK
+
+Sales Comparison Approach
+
+Subject Property
+
+Comparable #1
+
+Comparable #2
+
+Comparable #3
+
+General Information
+
+Property Address
+
+123 Anywhere St
+Somecity, TN 12345
+
+42 Forest Ln
+Somecity, TN 12345
+
+542 New East St
+Somecity, TN 12345
+
+7525 New South Hwy
+Somecity, TN 12345
+
+Data Source
+
+Proximity to Subject
+
+List Price
+
+Listing Status
+
+Contract Price
+
+Sale Price
+
+Sales Concessions
+
+Contract Date
+
+Sale Date
+
+Days on Market
+
+Attached/Detached
+
+Site
+
+Site Size
+
+This is where the
+Comparable 1 photo
+would display.
+
+MLS 124523 | Assessor Record MLS 123453 | Assessor Record MLS 178643 | Assessor Record
+
+3 Miles SE
+
+$340,000
+
+Settled Sale
+
+—
+
+$325,000
diff --git a/chunks/txt/bcd8607a2e1adfa6cc73da0a892d6cff2aa32848e9e4af9a7f902178aabc4fe5.txt b/chunks/txt/bcd8607a2e1adfa6cc73da0a892d6cff2aa32848e9e4af9a7f902178aabc4fe5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1037faeabc332fe437431d6f49ae943ed9b5c1a6
--- /dev/null
+++ b/chunks/txt/bcd8607a2e1adfa6cc73da0a892d6cff2aa32848e9e4af9a7f902178aabc4fe5.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/data/dashboard/borrower-assistance-map"
+date_accessed: "2026-01-27T17:54:20.519Z"
+---
+
+> *[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)
diff --git a/chunks/txt/bce7f013423bd3602e4cd3eec193034e60ffdbf6102fe92dc9942b30d8d48e47.txt b/chunks/txt/bce7f013423bd3602e4cd3eec193034e60ffdbf6102fe92dc9942b30d8d48e47.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9d9ae586f4fd89be81b332570adf85486cd3ca6d
--- /dev/null
+++ b/chunks/txt/bce7f013423bd3602e4cd3eec193034e60ffdbf6102fe92dc9942b30d8d48e47.txt
@@ -0,0 +1,34 @@
+[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
+
+# Helping Restore the American Dream for
+ALL Americans
+
+.usa-hero .usa-hero__callout { background-color: rgba(0,0,0,0)!important; } .hero-title {font-size:3.5rem;text-shadow:1px 1px 3px #000;} .hero-subtitle{font-size:1.55rem!important;text-shadow:1px 1px 1px #000;} .usa-button--outline {border-radius:.25rem;box-shadow:inset 0 0 0 2px #fff;color:#fff;padding:.75rem 1rem;text-decoration:none;}@media only screen and (max-width: 850px) { .hero-title {font-size: 2.5rem!important} .hero-subtitle {font-size: 1.25rem!important} .usa-button--outline {font-size: 1rem} } @media only screen and (max-width: 1140px) { .usa-hero{background-position: center center} } @media only screen and (max-width: 730px) { .hero-title {font-size: 2rem!important} .hero-subtitle {font-size: 1rem!important} .usa-button--outline {font-size: 1rem!important} } @media only screen and (max-width: 640px) { .main-content.usa-section{padding-top: 0!important} } @media only screen and (max-width: 675px) { .usa-hero .usa-hero__callout {margin-top: -100px!important} .usa-button--outline {font-size: .85rem!important} } @media only screen and (max-width: 500px) { .usa-hero .usa-hero__callout {margin-top: -100px!important} .hero-subtitle {display:none!important} .usa-button--outline {font-size: .7rem!important} }
diff --git a/chunks/txt/bce8fb77b7247a4375d865124946a3ce68a2501f0d986d264aa314f9860cdafe.txt b/chunks/txt/bce8fb77b7247a4375d865124946a3ce68a2501f0d986d264aa314f9860cdafe.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6aef22e36804b88d3599ac589324d918529fd7a8
--- /dev/null
+++ b/chunks/txt/bce8fb77b7247a4375d865124946a3ce68a2501f0d986d264aa314f9860cdafe.txt
@@ -0,0 +1,121 @@
+Should be populated ifthere is an indicated
+value in field 3-40
+
+371
+
+2
+
+125
+
+RECONCILIATION
+
+Indicated Value by: Sales
+Comparison Approach $
+
+Value Indicated By
+Sales Comparison
+Approach Amount
+
+The dollar value of the subject property
+indicated by the Sales Comparison
+approach.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/@ValueIndicatedBySalesComparisonApproachAmount
+
+12
+
+Money
+
+126
+
+RECONCILIATION
+
+Indicated Value by: Sales
+Cost Approach (if developed) $
+
+Value Indicated By
+Cost Approach
+Amount
+
+The dollar value of the subject property
+indicated by the Cost Approach method
+of property valuation.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS
+IS/@ValueIndicatedByCostApproachAmount
+
+12
+
+Money
+
+127
+
+RECONCILIATION
+
+Indicated Value by: Sales
+Income Approach (if developed)
+$
+
+Value Indicated By
+Income Approach
+Amount
+
+The dollar value of the subject property
+indicated by the Income Approach
+method of property valuation.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/INCOME_ANAL
+YSIS/@ValueIndicatedByIncomeApproachAmount
+
+12
+
+Money
+
+372
+
+373
+
+374
+
+2
+
+2
+
+2
+
+128
+
+RECONCILIATION Comment Area
+
+Valuation
+Reconciliation
+Summary Comment
+
+A free-form text field used to describe or
+reconcile the different property valuation
+methods used to arrive at the final
+property valuation.
+
+/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/@_Sum
+maryComment
+
+4000
+
+String
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+375
+
+2
+
+129
+
+RECONCILIATION The appraisal is made “as is”
+
+Valuation
+Reconciliation
+Condition of
+Appraisal Type
diff --git a/chunks/txt/bcea84d0a9d417e580d13605a85a2118ecb6cbde8433300b7b637f07da863d2f.txt b/chunks/txt/bcea84d0a9d417e580d13605a85a2118ecb6cbde8433300b7b637f07da863d2f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..63f9c870065d52126248abaf6d1f03b662705b8e
--- /dev/null
+++ b/chunks/txt/bcea84d0a9d417e580d13605a85a2118ecb6cbde8433300b7b637f07da863d2f.txt
@@ -0,0 +1,11 @@
+(cid:1)(cid:4)(cid:7)(cid:5)(cid:10)(cid:2)(cid:1)(cid:4)(cid:7)(cid:5)(cid:3)(cid:10)(cid:8)(cid:6)(cid:10)(cid:2)(cid:1)(cid:4)(cid:7)(cid:5)(cid:9)(cid:3)(cid:10)
+
+(cid:13)(cid:44)(cid:19)(cid:47)(cid:25)(cid:20)(cid:43)(cid:48)(cid:9)(cid:39)(cid:36)(cid:48) (cid:25)(cid:39)(cid:43)(cid:48)
+
+(cid:4)(cid:36)(cid:32)(cid:48) (cid:18)(cid:39)(cid:18)(cid:19)(cid:30)(cid:25)(cid:1)(cid:48)
+
+(cid:4)(cid:36)(cid:32)(cid:48) (cid:18)(cid:39)(cid:18)(cid:19)(cid:30)(cid:25)(cid:1)(cid:48)
+
+(cid:4)(cid:36)(cid:32)(cid:48) (cid:18)(cid:39)(cid:18)(cid:19)(cid:30)(cid:25)(cid:1)(cid:48)
+
+(cid:7)(cid:7)(cid:1)(cid:5)(cid:10)(cid:1)(cid:3)(cid:10)(cid:24)
diff --git a/chunks/txt/bcfa65bb7c8c46602f488ae00eed371c380be4dbef0fa49bf9b171397b4412e4.txt b/chunks/txt/bcfa65bb7c8c46602f488ae00eed371c380be4dbef0fa49bf9b171397b4412e4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..79facddf754120b64861260af10617e9f770b52b
--- /dev/null
+++ b/chunks/txt/bcfa65bb7c8c46602f488ae00eed371c380be4dbef0fa49bf9b171397b4412e4.txt
@@ -0,0 +1,51 @@
+Sales Comparison Approach
+$775,000
+
+Income Approach
+
+Cost Approach
+
+Not Necessary for Credible Results
+
+Not Necessary for Credible Results
+
+$765,000
+$775,000
+As Is
+
+Reasonable Exposure Time
+Effective Date of Appraisal
+
+60-90 days
+09/08/2019
+
+Reconciliation of Market Value
+
+Utilize this subsection for additional commentary as required by USPAP.
+
+Apparent Defects, Damages, Deficiencies
+
+None
+
+Appraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 4 (SF4)
+
+Uniform Residential Appraisal Report
+
+Page 20 of 22
+Page 20 of 22
+
+This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of
+assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions
+and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis
+necessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the
+certifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material
+alterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an
+appraisal organization, are permitted.
+
+Scope of Work
+
+The scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users,
+the intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the
+applicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject
+property; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property
+reported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report.
diff --git a/chunks/txt/bd1d4b065f34608c08b5f072b11e4fdd05b3570ceae3fa242d9c0b194085e307.txt b/chunks/txt/bd1d4b065f34608c08b5f072b11e4fdd05b3570ceae3fa242d9c0b194085e307.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4bc5284f07d25bed31027078518cfd399302d48c
--- /dev/null
+++ b/chunks/txt/bd1d4b065f34608c08b5f072b11e4fdd05b3570ceae3fa242d9c0b194085e307.txt
@@ -0,0 +1,43 @@
+ii. Graduated Payment Mortgage (aka step payment mortgage), growing equity mortgage: the scheduled
+
+adjustment to a P&I payment for a fixed rate mortgage.
+
+iii. Negative Amortization: the scheduled recast of the mortgage loan or the start of fully amortizing P&I
+
+payments.
+
+iv. Interest Only: the end of the interest-only period.
+v. Final Balloon Payment: If there is a final balloon payment under the terms of the legal obligation, it must
+
+be disclosed by itself in a separate column.
+
+vi. Automatic Termination of Mortgage Insurance: Requires disclosure as a separate payment only if the total
+number of separate periodic P&I payments or payment ranges requiring disclosure does not exceed three.
+Otherwise, MI termination is combined with other payment events and disclosed in the applicable
+projected payment period.
+
+c. MAPPI NG GUIDANCE
+
+Appendix E: UCD Implementation Guide
+
+Page 83 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+5.0 Projected Payments Table
+
+i. Because the data disclosed in the Projected Payments table is defined by the Regulation, all supporting
+
+data points are from the DOCUMEN_ SPECIFIC structure of MISMO v3.3.0.
+
+ii. The @SequenceNumber attribute specifies the order of the columns, starting with “1” for the first
+column on the left and incrementing to “4” if necessary to capture all the required business data.
+
+iii.
+
+In Table 71, the PROJECTED_PAYMENT structure repeats twice to reflect the two Year Ranges. If
+more Year Ranges are needed, the PROJECTED_ PAYMENT structure would repeat up to four times.
+
+iv. See V. Consolidated Mapping Guidance entries for DOCUMENT-SPECIFIC, PROJECTED PAYMENTS,
diff --git a/chunks/txt/bd34106ccbe1fbd773919de42e2fe79e1aa381203455143436dc9d5adc114142.txt b/chunks/txt/bd34106ccbe1fbd773919de42e2fe79e1aa381203455143436dc9d5adc114142.txt
new file mode 100644
index 0000000000000000000000000000000000000000..84b6c5c248d48a8a0e4dfe4d5f0a210580820493
--- /dev/null
+++ b/chunks/txt/bd34106ccbe1fbd773919de42e2fe79e1aa381203455143436dc9d5adc114142.txt
@@ -0,0 +1,32 @@
+Property Data Collector
+
+The property data collector is the individual who personally visits the subject property to perform the property data collection
+guided by an application on a hand-held device developed in compliance with the UPD. The property data collector must identify
+and communicate any defect, damage, or deficiency that affects the soundness or structural integrity of the improvement(s) and
+significant items of incomplete construction or renovation.
+
+Lender Vetting of Property Data Collectors
+
+The lender must verify and be able to demonstrate that the data collectors are
+
+selected in accordance with Fannie Mae requirements, including the Property Data Collector Independence Requirements,
+vetted through an annual background check,
+
+•
+•
+• professionally trained, and
+•
+
+in possession of the essential knowledge to competently complete the property data collection.
+
+The lender must ensure that the data collectors are trained to comply with their fair lending laws and deliver accurate results
+unaffected by personal biases. To avoid conflict of interest, the lender must ensure that the data collector has no interest in or
+ties to the underlying loan origination transaction, participants, or subject property.
+
+The lender (or its authorized agent) must review the data collector's credentials and qualifications on an annual basis to ensure
+ongoing compliance. Evidence of the reviews must be available to Fannie Mae upon request. The lender must also have a
+procedure for suspending or terminating business with individual property data collectors.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 126 of 166
diff --git a/chunks/txt/bd3eab747d5569619048118dd77b738b1761799bbc9a434bd7defedf2563d1be.txt b/chunks/txt/bd3eab747d5569619048118dd77b738b1761799bbc9a434bd7defedf2563d1be.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0bd4bc0c9c83f3bf368901b10ff1c1563f0c0a81
--- /dev/null
+++ b/chunks/txt/bd3eab747d5569619048118dd77b738b1761799bbc9a434bd7defedf2563d1be.txt
@@ -0,0 +1,163 @@
+$750,000
+
+$725,000
+
+Assessor Record
+MLS
+
+Assessor Record
+MLS
+
+Assessor Record
+MLS
+
+MLS
+
+Analysis of Prior Sale and Transfer History of Comparable Sales There was no information regarding material changes to Comparable
+#2 made known to the appraiser. Concerning Comparable #3, a kitchen remodel occurred prior to the most recent transfer, supporting an
+increase in price.
+
+Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 13 of 22
+Page 13 of 22
+
+PG BRK
+
+Sales Comparison Approach
+
+General Information
+
+Property Address
+
+Subject Property
+
+Comparable #1
+
+Comparable #2
+
+Comparable #3
+
+201 Underhill Dr, Unit 202
+Nowhere, CA 90021
+
+201 Underhill Dr, Unit 204
+Nowhere, CA 90021
+
+1633 Hundred Ave, Unit 801
+Nowhere, CA 90021
+
+1639 Town St, Unit 333
+Nowhere, CA 90021
+
+Data Source
+
+Proximity to Subject
+
+List Price
+
+Listing Status
+
+Sale Price
+
+Financing Type
+
+Sales Concessions
+
+Contract Date
+
+Sale Date
+
+Days on Market
+
+Attached/Detached
+
+Property Rights Appraised
+
+Project Information
+
+Project Name | Same
+Project as Subject
+
+Monthly Fee
+
+Assessor Record |
+MLS M32583
+
+Assessor Record |
+MLS M32380
+
+Assessor Record |
+MLS M28713
+
+0.01 Miles S
+
+$778,000
+
+Settled Sale
+
+$778,000
+
+$0
+
+$0
+
+$0
+
+Cash
+
+No
+
+05/19/2019
+
+06/19/2019
+
+40
+
+Attached
+
+Fee Simple
+
+0.47 Miles SE
+
+$790,000
+
+Settled Sale
+
+$794,000
+
+0.44 Miles S
+
+$768,000
+
+Settled Sale
+
+$765,000
+
+VA
+
+$10,000
+
+06/19/2019
+
+08/19/2019
+
+11
+
+Attached
+
+Fee Simple
+
+FHA
+
+$5,000
+
+06/15/2019
+
+07/15/2019
+
+21
+
+Attached
diff --git a/chunks/txt/bd4f8d95aeb0c70eb9202eb489d20c60398e4e0d812da7b0771115f9df3e03a0.txt b/chunks/txt/bd4f8d95aeb0c70eb9202eb489d20c60398e4e0d812da7b0771115f9df3e03a0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..51ff35c77deb4e22cac833f89684772b016e88bf
--- /dev/null
+++ b/chunks/txt/bd4f8d95aeb0c70eb9202eb489d20c60398e4e0d812da7b0771115f9df3e03a0.txt
@@ -0,0 +1,54 @@
+Table 20. CLOSING_INFORMATION and the XML File.
+
+The type of information held in each container can be summarized as:
+
+a. CLOSING_ADJUSTMENT_ITEMS—up to 28 additional adjustments may be provided. Closing adjustments and
+
+credits can be delivered on both the Model and Alternate forms. Check UCD v2.0 cross reference columns to see
+which enumerations are for purchase and/or refinances.
+
+b. CLOSING_COST_FUNDS—holds FundsType = “DepositOnSalesContract”.
+
+c. CLOSING_INFORMATION_DETAIL—holds information about the closing transaction, and overall cash to close.
+
+d. PREPAID_ ITEMS. – at least one, “Prepaid Interest” must be delivered in every XML file, but up to 24 additional
+
+proration line items may be provided.
+
+UCD v2.0 Implementation Guide
+
+- 37 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+e. PRORATION_ITEMS – these items represent the division of housing expenses between the seller and borrower at
+
+time of closing, so are not applicable to refinances. They are not valid on the Alternate form. Up to 60 proration
+line items-30 representing items paid by the seller prior to closing, and 30 supporting items unpaid by the seller.
+
+2. CLOSING_ADJUSTMENT_ITEMS
+
+Table 21. XML File Container Structure for Closing Adjustment Data.
+
+Containers
+
+UCD Usage Notes
+
+CLOSING_INFORMATION
+
+Holds containers categorizing sets of closing data points.
+
+CLOSING_ADJUSTMENT_ITEMS
+
+Groups one or more CLOSING_ADJUSTMENT_ITEMs. An instance of
+CLOSING_ADJUSTMENT_ITEM is provided for each closing adjustment disclosed.
+
+CLOSING_ADJUSTMENT_ITEM
+
+The CLOSING_ADJUSTMENT_ITEM container with the relevant data points and enumerations
+is listed five times so that the closing adjustment data requirements can be grouped into
+these categories.
diff --git a/chunks/txt/bd52b4278586231f175d50299a5acea595fef69b725caea47f4dbf9f74c0213d.txt b/chunks/txt/bd52b4278586231f175d50299a5acea595fef69b725caea47f4dbf9f74c0213d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..de963d49d8e5deca1b7200c6519e198d5d8614f7
--- /dev/null
+++ b/chunks/txt/bd52b4278586231f175d50299a5acea595fef69b725caea47f4dbf9f74c0213d.txt
@@ -0,0 +1,69 @@
+Data Point
+
+Definition
+
+CeilingRatePercent
+
+FirstRateChangePaym
+entEffectiveDate
+
+InterestRateRounding
+Percent
+
+InterestRateRounding
+Type
+
+The stated maximum percentage to which the
+interest rate can increase over the life of the
+loan.
+
+The due date of the payment at the first
+calculated interest rate change. To arrive at
+the actual (true) date that interest begins to
+accrue at the changed rate one payment
+period is subtracted if interest is paid in
+arrears.
+
+The percentage to which the interest rate is
+rounded when a new interest rate is
+calculated. This field is used in conjunction
+with Interest Rate Rounding Type, which
+indicates how rounding should occur.
+
+Indicates how the interest rate is rounded
+when a new interest rate is calculated for an
+ARM change. The interest rate can be
+rounded Up, Down, or to the Nearest Factor.
+This field is used in conjunction with Per
+Change Interest Rate Rounding Factor, which
+indicates the percentage to which the
+rounding occurs.
+
+Valid Value
+
+11.5
+
+2015-03-01
+
+0.125
+
+Nearest
+
+MarginRatePercent
+
+The number of percentage points to be added
+to the index to arrive at the new interest rate.
+
+2.60
+
+Notes: The CeilingRatePercent is calculated as the initial note rate of 5.5%
+
+plus the Lifetime Cap of 6% (the “6” of 5/2/6). The
+FirstRateChangePaymentEffectiveDate begins with the end of the 5-
+year initial fixed period.
+
+3. CONVERSION_OPTION_PERIOD_ADJUSTMENT RULES /
+
+CONVERSION_OPTION_PERIOD_ADJUSTMENT RULE (For Future Use)
+This set of rules can repeat as required to specify the rules governing each conversion
+period associated with a loan (if there is more than one). Each conversion period is
diff --git a/chunks/txt/bd583af31135bf55871f9516f9fd85a81123bc4960045c0d2d1a3a96753753f2.txt b/chunks/txt/bd583af31135bf55871f9516f9fd85a81123bc4960045c0d2d1a3a96753753f2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a5fe548f1aff083a6296d51cd5914828d231750c
--- /dev/null
+++ b/chunks/txt/bd583af31135bf55871f9516f9fd85a81123bc4960045c0d2d1a3a96753753f2.txt
@@ -0,0 +1,118 @@
+Report
+Field ID
+
+29.009
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Intended Users
+
+FHA and the
+Mortgagee …
+
+Predefined text that
+displays when
+Government Agency
+Appraisal Type 2.008 is
+FHA
+
+29.009 The USDA and … Predefined text that
+
+displays when
+Government Agency
+Appraisal Type 2.008 is
+USDA
+
+Predefined text that
+displays when
+Government Agency
+Appraisal Type 2.008 is
+VA
+
+Always required
+
+Yes | No
+
+Additional Intended Users
+Indicates whether there are additional intended users beyond the predefined
+text.
+
+Displays when
+Additional Intended
+Users is Yes
+
+Free-form
+
+Additional Intended Users Text
+Note: Additional Intended User(s) cannot be contrary to, and should not
+repeat, the predefined intended user text.
+
+29.009 The VA …
+
+Not on
+Report
+
+This is an
+appraiser input
+that does not
+display
+
+29.010
+29.011
+
+N/A
+
+Definition of Market Value
+
+The Definition of Market Value subsection always displays.
+
+Appendix F-1: URAR Reference Guide
+
+Page 340 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+29 Certifications and Scope of Work
+
+Statement of Assumptions and Limiting Conditions
+
+The Statement of Assumptions and Limiting Conditions subsection always displays.
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Statement of Assumptions and Limiting Conditions
+
+29.019 The FHA
+
+appraiser ….
+
+Predefined text that
+displays when
+Government Agency
+Appraisal Type 2.008 is
+FHA
+
+Appraiser Certifications
+
+The Appraiser Certifications subsection always displays.
+
+Cert 10 (Subject Property Inspection by Appraiser)
diff --git a/chunks/txt/bd696f72021ba59ea23cb02777a646878c213960a92f064d38a290cb68f5e497.txt b/chunks/txt/bd696f72021ba59ea23cb02777a646878c213960a92f064d38a290cb68f5e497.txt
new file mode 100644
index 0000000000000000000000000000000000000000..92e5344266ac9612946dc8b9017649f212c0bb3e
--- /dev/null
+++ b/chunks/txt/bd696f72021ba59ea23cb02777a646878c213960a92f064d38a290cb68f5e497.txt
@@ -0,0 +1,24 @@
+DU for Government Loans Integration Impact Memo
+January 2026 Release
+
+Jan. 7, 2026
+
+During the weekend of Jan. 24, 2026, Desktop Underwriter® (DU®) for government loans will be updated to support FHA and VA
+changes.
+
+N O T E : For ease of reference, this document generally uses the term “DU” to refer to “DU for government loans.”
+
+Please review this memo, in addition to the Release Notes, to ensure that your integrated system(s) will be prepared to support
+this release.
+
+Release Support
+
+The DU for government loans release will be implemented in the DU integration environment on or around Jan. 14, 2026.
+
+If you have questions about the integration impact or if you require support specific to this release, contact your Technology
+Integration Analyst or Integration Support. For more information about DU, visit the website or contact your Fannie Mae
+representative.
+
+© 2026 Fannie Mae. Trademarks of Fannie Mae.
+
+01.07.26 1 of 1
diff --git a/chunks/txt/bd6b71e3326656ffa95b6bfab470b5f1ca3bba531ae7771b97439e05ecdbf179.txt b/chunks/txt/bd6b71e3326656ffa95b6bfab470b5f1ca3bba531ae7771b97439e05ecdbf179.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9d58412b38d61ab6874397d5463b00ec0131962e
--- /dev/null
+++ b/chunks/txt/bd6b71e3326656ffa95b6bfab470b5f1ca3bba531ae7771b97439e05ecdbf179.txt
@@ -0,0 +1,52 @@
+Enumeration, 16, 68, 70
+
+Adding to Reference Model, 72
+Business-Partner Specific, 18
+GSE-specific Lists, 9
+List, 68
+MISMO Data Type for, 19
+Other, 17, 18
+
+EXTENSION, 31, 72, 77, 78
+FORM SPECIFIC FIELD, 15
+Implementation Guide
+
+GSE-specific, 6, 7, 9, 15, 16, 34, 58, 65, 66, 68
+Shared, 7, 15, 16
+
+LoanStateType, 17, 35, 41, 42, 43, 45, 46, 47, 55
+MISMO
+
+Engineering Guidelines, 13, 14, 15, 66, 69, 71
+LDD, 7, 8, 10, 13, 19, 25, 31, 66, 68, 69, 71, 72,
+
+73, 74, 75, 76
+Organization, 7, 12
+Reference Model, 6, 7, 8, 10, 11, 12, 13, 16, 19,
+
+23, 24, 25, 26, 27, 29, 31, 69, 76, 77
+
+Namespace, 70, 72
+OwnerIdentifierURI, 27
+URI, 69
+URL, 66, 69, 71
+URN, 69, 71, 72, 73, 74, 75, 77
+Using the MISMO v3.0 Logical Data Dictionary, 13
+W3C, 70, 71, 75
+XLink, 55, 70, 75
+XML, 6, 7, 70
+
+Complex Type Element, 24, 68
+Schema, 7, 9, 11, 13, 16, 27, 31, 32, 38, 64, 65,
+
+66, 69, 70
+
+Simple Type Element, 13, 16, 69
+
+XPath, 23, 24, 26, 29, 38, 70, 72
+
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 71 of 76
diff --git a/chunks/txt/bd819624c6d66a3e352d4404a68c3612b1bdd1a928eb8bc00363dd693c381ad4.txt b/chunks/txt/bd819624c6d66a3e352d4404a68c3612b1bdd1a928eb8bc00363dd693c381ad4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..deb46c5308ca516d75e57482e1140db2dbbbafc8
--- /dev/null
+++ b/chunks/txt/bd819624c6d66a3e352d4404a68c3612b1bdd1a928eb8bc00363dd693c381ad4.txt
@@ -0,0 +1,189 @@
+View | Range
+
+Dwelling(s)
+
+Year Built
+
+Noncontinuous
+Finished Area
+
+Disaster Mitigation
+
+$895,000
+
+Pending
+
+$895,000
+
+No
+
+05/16/2018
+
+26
+
+Detached
+
+Fee Simple
+
+MLS 5420130 |
+Assessor Record
+
+0.12 Miles S
+
+$915,000
+
+Active
+
+—
+
+—
+
+—
+
+—
+
+—
+
+—
+
+—
+
+28
+
+Detached
+
+Fee Simple
+
+Yes
+
+Grammy Gold
+
+Grammy Gold | Yes
+
+$500
+
+$500
+
+Clubhouse | Club
+Membership | Gated
+Community | Inground
+Pool | Snow Removal
+| Trash Removal
+
+Clubhouse | Club
+Membership | Gated
+Community | Inground
+Pool | Snow Removal
+| Trash Removal
+
+No
+
+No
+
+13,939 Sq. Ft.
+
+14,100 Sq. Ft.
+
+$0
+
+Grammy Gold
+
+Grammy Gold
+
+Gated Community
+| Golf Course
+
+Gated
+Community |
+Golf Course
+
+Golf Course | Full
+Residential | Full
+
+Golf Course | Full
+Residential | Full
+
+2018
+
+2018
+
+360 Sq. Ft.
+
+360 Sq. Ft.
+
+Heating
+
+Forced Warm Air | Natural Gas
+
+Impact Resistant Glass |
+Impact Resistant Shingles
+
+Impact Resistant
+Glass | Impact
+Resistant
+Shingles
+
+Forced Warm Air
+| Natural Gas
+
+Energy Efficient and Green Features
+
+Building Certification
+
+LEED Gold
+
+LEED Gold
+
+Appraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)
+
+Uniform Residential Appraisal Report
+
+Page 17 of 24
+Page 17 of 24
+
+Sales Comparison Approach (continued)
+
+Property Address
+
+Unit(s)
+
+Levels in Unit
+
+Bedrooms
+
+Baths - Full | Half
+
+Finished Area Above Grade
+
+Finished Area Below Grade
+
+Unfinished Area
+Below Grade
+
+Subject Property
+
+Comparable #4
+
+8675309 Jenny Ln
+Anytown, IL 54321
+
+23412 Josephine St
+Anytown, IL 54321
+
+2
+
+3
+
+2 | 1
+
+2
+
+3
+
+2 | 1
+
+1,552 Sq. Ft.
+
+1,232 Sq. Ft.
+
+320 Sq. Ft.
diff --git a/chunks/txt/bd8cb30e1c69222a0aecb9ea45956e0f0bef1f26868055f1bdfe3d84892600df.txt b/chunks/txt/bd8cb30e1c69222a0aecb9ea45956e0f0bef1f26868055f1bdfe3d84892600df.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8976168bda1db7b04d65d42ebc4ff69e19c0b1e7
--- /dev/null
+++ b/chunks/txt/bd8cb30e1c69222a0aecb9ea45956e0f0bef1f26868055f1bdfe3d84892600df.txt
@@ -0,0 +1,5 @@
+record_id: 1900034823000 | year: 2019 | weight: 20 | state_fips_2010: 12 | state_fips_2020: NA | county_fips_2010: 12107 | county_fips_2020: NA | tract_fips_2010: 12107950500 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 2 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 455000 | sales_range_low: 95000 | updated_last_15_years: 2 | lot_size: 4 | quality: 4 | condition: 4 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 3 | median_adjustment: -1605 | average_adjustment: -2731 | adjusted_price: 105000 | number_comparables: 3 | same_tract_percent: 0 | calculated_proximity: 3.48 | reported_proximity: 3.48 | value_sale_comparison: 105000 | value_cost: 165000 | value_income: NA | appraised_value: 105000 | appraisal_to_contract: NA | comparison_to_contract: NA
+record_id: 1900000695000 | year: 2019 | weight: 20 | state_fips_2010: 12 | state_fips_2020: NA | county_fips_2010: 12086 | county_fips_2020: NA | tract_fips_2010: 12086010900 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 205000 | built_up: 1 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 2 | marketing_time: 1 | sales_range_high: 335000 | sales_range_low: 185000 | updated_last_15_years: 1 | lot_size: 2 | quality: 4 | condition: 4 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 1 | median_adjustment: -4000 | average_adjustment: 4520 | adjusted_price: 205000 | number_comparables: 3 | same_tract_percent: 100 | calculated_proximity: 0.33 | reported_proximity: 0.33 | value_sale_comparison: 205000 | value_cost: 145000 | value_income: NA | appraised_value: 205000 | appraisal_to_contract: 100 | comparison_to_contract: 100
+record_id: 1900041117000 | year: 2019 | weight: 20 | state_fips_2010: 05 | state_fips_2020: NA | county_fips_2010: 05085 | county_fips_2020: NA | tract_fips_2010: 05085020206 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 295000 | built_up: 2 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 1 | sales_range_high: 495000 | sales_range_low: 225000 | updated_last_15_years: 2 | lot_size: 5 | quality: 4 | condition: 3 | bathrooms: 4 | bedrooms: 3 | gross_living_area: 8 | median_adjustment: 10800 | average_adjustment: -20172 | adjusted_price: 345000 | number_comparables: 1 | same_tract_percent: 0 | calculated_proximity: 3.92 | reported_proximity: 3.94 | value_sale_comparison: 325000 | value_cost: NA | value_income: NA | appraised_value: 325000 | appraisal_to_contract: 110.9 | comparison_to_contract: 110.9
+record_id: 1900036810000 | year: 2019 | weight: 20 | state_fips_2010: 47 | state_fips_2020: NA | county_fips_2010: 47149 | county_fips_2020: NA | tract_fips_2010: 47149040104 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 155000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 1 | sales_range_high: 205000 | sales_range_low: 155000 | updated_last_15_years: 2 | lot_size: 1 | quality: 3 | condition: 3 | bathrooms: 3 | bedrooms: 1 | gross_living_area: 2 | median_adjustment: 0 | average_adjustment: -2677 | adjusted_price: 155000 | number_comparables: 1 | same_tract_percent: 67 | calculated_proximity: 0.32 | reported_proximity: 0.32 | value_sale_comparison: 155000 | value_cost: 165000 | value_income: NA | appraised_value: 155000 | appraisal_to_contract: 100.3 | comparison_to_contract: 100.3
+record_id: 1900013860000 | year: 2019 | weight: 20 | state_fips_2010: 19 | state_fips_2020: NA | county_fips_2010: 19155 | county_fips_2020: NA | tract_fips_2010: NA | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 275000 | sales_range_low: 125000 | updated_last_15_years: 1 | lot_size: 2 | quality: 3 | condition: 3 | bathrooms: 2 | bedrooms: 3 | gross_living_area: 4 | median_adjustment: -11797
diff --git a/chunks/txt/bd905aa376e38cd85a1f6f4581d8578280a61dcddebe47f93acd7ba2ff4d1d66.txt b/chunks/txt/bd905aa376e38cd85a1f6f4581d8578280a61dcddebe47f93acd7ba2ff4d1d66.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d95f04073dcbf4c12e142b46228e35b7768ebd1e
--- /dev/null
+++ b/chunks/txt/bd905aa376e38cd85a1f6f4581d8578280a61dcddebe47f93acd7ba2ff4d1d66.txt
@@ -0,0 +1,17 @@
+[View More](/data/dashboard/conforming-loan-limit-values-map)
+
+- ## Duty to Serve 2022-2024 All Rural Tracts Map
+
+The Duty to Serve (DTS) All Rural Tracts Map shows the census tracts that are considered rural areas or non-rural areas for DTS purposes. Users can select a state to view the underlying Census tracts that meet the DTS rural definition.
+
+[View More](/data/dashboard/dts/all-rural-tracts-map/2023)
+
+- ## Duty to Serve 2022-2024 High-Needs Counties with Rural Tracts Map
+
+The Duty to Serve High-Needs Counties with Rural Tracts Map is an interactive map that highlights counties where census tracts that are categorized as Duty to Serve High-Needs Rural Regions are located. These include Persistent Poverty Counties, Middle Appalachia, Lower Mississippi Delta, and Colonias. Interacting with any county on the map allows users to view a map of census tracts within the county, and whether the tracts are classified as Duty to Serve Rural or Not Duty to Serve Rural. Effective July 1, 2023, [**amendments to the Duty to Serve regulation**](/regulation/federal-register/final-rule/enterprise-duty-to-serve-underserved-markets-colonia-census-tract-amendments) modify the definition of "rural area" to include all "colonia census tracts" that would not otherwise satisfy the definition.
+
+[View More](/data/dashboard/dts/high-needs-counties-and-rural-tracts-map/2022-2024)
+
+- ## Duty to Serve Single-Family Dashboard
+
+The Duty to Serve Single-Family Dashboard is an interactive map that looks at the share of Enterprise single-family loans located in Duty to Serve Manufactured Housing, Rural, and High-needs Rural areas at the state and county levels.
diff --git a/chunks/txt/bda0f667c3b17a6634b48e16d185a3fe61d43238d044075dc2eee4115694f9cc.txt b/chunks/txt/bda0f667c3b17a6634b48e16d185a3fe61d43238d044075dc2eee4115694f9cc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7abb903228eb7f98d29ff473d1be146365d346e4
--- /dev/null
+++ b/chunks/txt/bda0f667c3b17a6634b48e16d185a3fe61d43238d044075dc2eee4115694f9cc.txt
@@ -0,0 +1,14 @@
+Fees
+
+**23. How should recording fees and amounts be included in UCD v1.5 FeeType / UCD v2.0 ucd:FeeItemType = “Recording Fee Total”?**
+
+The value provided for FeeType (v1.5) / ucd:FeeItemType (v2.0) = “RecordingFeeTotal” should be the sum of the amounts of all recording fees paid or to be paid to any government authority, regardless of the entity collecting the payments. This sum must also include the amounts for FeeType (v1.5) / ucd:FeeItemType (v2.0) = “RecordingFeeForMortgage” and “RecordingFeeForDeed.” Refer to the [UCD Phase 3 Critical Edits Job Aid: Taxes and Other Government Fees](https://sf.freddiemac.com/docs/pdf/ucd-joint-gse-job-aid-guide-taxes-and-other-government-fees.pdf) on the GSEs’ UCD webpages FannieMae.com and FreddieMac.com for more information.
+
+**24. Do we need to include the fees for “LoanDiscountPoints”, “PrepaidInterest” and “LenderCredits” in the UCD XML file even when they are not part of the loan transaction?**
+
+Yes, these data points must be provided in the UCD XML file as described:
+
+- Even when discount points are not part of the transaction, UCD v1.5 FeeType or UCD v2.0 ucd:FeeItemType = “LoanDiscountPoints” along with FeeActualPaymentAmount value equal to “0.00” are required for all loans and must be provided in the UCD XML file. FeeTotalPercent is not required when FeeActualPaymentAmount is “0.00”.
+- Even when prepaid interest is not part of the transaction, UCD v1.5 and v2.0 PrepaidItemType = “PrepaidInterest” along with PrepaidItemActualPaymentAmount = “0.00” must be provided in the UCD XML file.
+- Even when lender credits are not part of the transaction, UCD v1.5 and v2.0 IntegratedDisclosureSubsectionType = “LenderCredits” along with IntegratedDisclosureSubsectionPaymentAmount = “0.00” must be provided in the UCD XML file.
+**25. How will the Phase 3B Postponed critical edits enforce the section required for a given fee?**
diff --git a/chunks/txt/bda21b3f4a77ec84932671eff545e7540e152265680725f36cab0b200a01f21f.txt b/chunks/txt/bda21b3f4a77ec84932671eff545e7540e152265680725f36cab0b200a01f21f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..900f2fc183c3b5e8380ed2d94469687524e20bae
--- /dev/null
+++ b/chunks/txt/bda21b3f4a77ec84932671eff545e7540e152265680725f36cab0b200a01f21f.txt
@@ -0,0 +1,153 @@
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+Proximity to Subject is
+only applicable to
+comparables
+
+Direction from Subject
+to Comparable is only
+applicable to
+comparables
+
+No
+
+No
+
+No
+
+Data Source Identifier: A unique number or identifier assigned to the sales
+comparable by the data source.
+Notes:
+•
+
+If Sales Comparable Data Source is MLS, the MLS number is
+required.
+If a data source has an identifier, it must be reported on the URAR.
+
+•
+
+Proximity to Subject
+Note: Can be 0, such as when the comparable is in the same building as
+the subject property or an adjacent property.
+
+Direction from Subject to Comparable
+•
+E
+•
+N
+•
+NE
+•
+NW
+•
+S
+•
+SE
+•
+SW
+• W
+
+List Price
+
+Always
+
+If available
+
+Dollar amount
+
+22.01.02
+22.01.20
+
+22.01.03
+22.01.21
+
+Listing Status
+
+Always
+
+Always required
+
+22.01.22
+
+Contract Price
+
+If relevant
+
+22.01.04
+22.01.22
+
+Contract Price
+
+If relevant
+
+Required when Listing
+Status is Pending, and
+the row is included in
+the sales comparison
+grid
+
+Required if Contract
+Price Unknown is No
+
+Subject Listing
+Information
+•
+
+List Price 19.009
+for most recent
+listing
+
+Subject Listing
+Information
+•
+
+Listing Status
+19.002 for most
+recent listing
+
+Contract Price Unknown
+is only applicable to
+comparables
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+Yes | No
+
+Dollar amount
+
+Sales Contract
+•
+
+Contract Price
+20.004
+
+No
+
+List Price: The last known list price for the transaction.
+
+•
+•
+•
+•
+
+Active
+Off Market (previously in MLS)
+Pending
+Settled Sale (applicable to comparables only)
+
+Contract Price Unknown
+•
+
+Yes (the comparable has been included in the sales grid, but the
+contract price is unknown. In this case, “Unknown” displays)
+No (Contract Price is known and must be provided)
diff --git a/chunks/txt/bda400c337f73ce99e9fbce4683822e9bd3336a0b0f2856efb4e16ea5b6e80f7.txt b/chunks/txt/bda400c337f73ce99e9fbce4683822e9bd3336a0b0f2856efb4e16ea5b6e80f7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0b3d4a1b9b759feb4fbe87fa0ee2fcc445c8b54d
--- /dev/null
+++ b/chunks/txt/bda400c337f73ce99e9fbce4683822e9bd3336a0b0f2856efb4e16ea5b6e80f7.txt
@@ -0,0 +1,3 @@
+© 2023 Fannie Mae 1.5.23
+
+2 of 2
diff --git a/chunks/txt/bda4618f1c463bf8a27a8e9f659e018722b1fbd99125a8c6d9189d339645f339.txt b/chunks/txt/bda4618f1c463bf8a27a8e9f659e018722b1fbd99125a8c6d9189d339645f339.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4f2f5379ec2e54ef357e32336038f91ae86b855f
--- /dev/null
+++ b/chunks/txt/bda4618f1c463bf8a27a8e9f659e018722b1fbd99125a8c6d9189d339645f339.txt
@@ -0,0 +1,101 @@
+Table 86. ETI&A–One “Other” Property Cost Item
+
+ID
+
+Form Field
+Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0
+Value
+
+Notes
+
+Third instance of ESTIMATED_PROPERTY_COST_COMPONENT
+
+5.6.5
+
+This estimate
+includes: 
+Other: ______
+
+…/ESTIMATED_PR
+OPERTY_COST_CO
+MPONENT
+
+5.6.5
+
+In escrow?
+
+ProjectedPaymentEst
+imatedTaxesInsuranc
+eAssessmentCompon
+entType
+
+ProjectedPaymentEs
+crowedType
+
+Homeowners
+Association Dues
+
+ROF as “ Other:
+Homeowner’s Association
+Dues”
+
+NotEscrowed
+
+Represented as “NO” on
+form
+
+c. MULTIPLE PROPERTY T AX OR HOMEOWNERS I NSURANCE COST I TEMS NEW
+
+Borrowers may have to pay multiple types of property taxes or homeowners insurance premiums, with some
+components paid from an escrow account and some paid directly by the borrower.
+
+For example: an applicant may escrow his city property taxes, but pay a special assessment separately.
+Similarly, the general home insurance premiums may be paid from escrow, but the earthquake insurance
+premiums are paid directly.
+
+Appendix E: UCD Implementation Guide
+
+Page 100 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+5.0 Projected Payments Table
+
+5.0 Projected Payments
+
+5.6 Estimated Taxes, Insurance
+& Assessments
+Amount can increase over time
+See page 4 for details
+
+5.6.1 $356
+5.6.2 a month
+
+This estimate includes
+5.6.3  Property Taxes
+5.6.4  Homeowners Insurance
+5.6.5 
+
+In escrow?
+YES
+SOME
+
+See Escrow Account on page 4 for details. You must pay for other property
+costs separately.
+
+Figure 70. Property Tax and Homeowners Insurance-Multiple Cost Items Each
+
+Figure 70 illustrates a case where there are two Property Tax items and two Homeowners Insurance items.
+Both tax items are escrowed, as is the earthquake insurance. The borrower is paying the homeowners insurance
+directly. Just as you have been doing for multiple Other cost items, follow the steps below to determine what
+value to render on the Closing Disclosure for “In escrow?:”
diff --git a/chunks/txt/bda62549a284bfe16bf331fed2a94d87ea3ebb8fc622efce4f093215cae0b95e.txt b/chunks/txt/bda62549a284bfe16bf331fed2a94d87ea3ebb8fc622efce4f093215cae0b95e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8fce57d4fbc7f671655c9914b35f579b931efe62
--- /dev/null
+++ b/chunks/txt/bda62549a284bfe16bf331fed2a94d87ea3ebb8fc622efce4f093215cae0b95e.txt
@@ -0,0 +1,63 @@
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/@SalePriceTotalAdjustmentNetPercent
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/@SalesPriceTotalAdjustmentGrossPercent
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/@AdjustedSalesPriceAmount
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/RESEARC
+H[@SalesHistoryResearchedIndicator='Y']
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/RESEARC
+H[@SalesHistoryResearchedIndicator='N']
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/RESEARC
+H/@SalesHistoryNotResearchedComment
+
+If the value of field 2-103 (Sale Price Total
+Adjustment Amount) is non-zero, one and only
+one of fields 2-101 or 2-102 values of (Sales
+Price Total Adjustment Positive Indicator)
+should be indicated.
+
+All the fields (2-53, 2-55, 2-57, 2-59, 2-61, 2-
+63, 2-65, 2-67, 2-69, 2-71, 2-73, 2-74, 2-78,
+2-80, 2-82, 2-84, 2-86, 2-88, 2-90, 2-92, 2-
+94, 2-96, 2-98, 2-100) must add up to this Net
+Adjustment amount.
+
+1
+
+9
+
+6
+
+6
+
+Boolean
+
+A value of 'Y' indicates the Positive box has been checked and the net
+adjustment is positive, a value of 'N' indicates the Negative box has been
+checked and the net adjustment is negative.
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+This field should contain the total net adjustment, i.e. the sum of all positive
+and negative adjustments.
+
+Money
+
+PDF Display Format:
+Whole numbers only. If there is no net adjustment, a value of zero (0) must be
+entered.
diff --git a/chunks/txt/bdb4d3c5fcb2a992206b716657a3560a2cd0d3203c51f24d44799bc26e59ce38.txt b/chunks/txt/bdb4d3c5fcb2a992206b716657a3560a2cd0d3203c51f24d44799bc26e59ce38.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6bfc50e94cafdc778ce23ca7045a8055f95365dc
--- /dev/null
+++ b/chunks/txt/bdb4d3c5fcb2a992206b716657a3560a2cd0d3203c51f24d44799bc26e59ce38.txt
@@ -0,0 +1,130 @@
+C1
+
+The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report
+
+Kitchen and Bathroom Details
+
+Room
+Kitchen
+Level 1
+
+Bath - Full
+Level 1
+
+Bath - Full
+Level 1
+
+Update Status
+Fully Updated
+
+Time Frame
+Less than 1 year
+
+Fully Updated
+
+Less than 1 year
+
+Fully Updated
+
+Less than 1 year
+
+Quality Comment
+Upgraded counter tops,
+cabinets, and fixtures
+
+Upgraded cabinets and
+fixtures
+
+Upgraded cabinets and
+fixtures
+
+Condition Status
+New or Like New
+
+New or Like New
+
+New or Like New
+
+Condition Comment
+
+Overall Update Status for
+Bathrooms
+
+Fully Updated
+
+Interior Features
+
+Feature
+Flooring
+
+Walls and Ceiling
+
+Overall Update Status for
+Flooring
+
+Detail
+Carpet
+
+Ceramic Tile
+
+Vinyl
+
+8 Ft. | Vaulted
+
+Fully Updated
+
+Quality Comment
+
+Condition Status
+New or Like New
+
+Bathroom flooring upgraded New or Like New
+
+Condition Comment
+
+New or Like New
+
+New or Like New
+
+Apparent Defects, Damages, Deficiencies (Unit Interior)
+
+None
+
+Unit Interior Exhibits
+
+Level 1 - Bedroom - Bedroom 1
+
+Level 1 - Bedroom - Bedroom 2
+
+Level 1 - Bedroom - Bedroom 3
+
+Level 1 - Dining Room - Dining Area
+
+Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 12 of 30
+Page 12 of 30
+
+Unit Interior (continued)
+
+Level 1 - Bath - Full - Bath 1
+
+Level 1 - Bath - Full - Bath 2
+
+Level 1 - Kitchen
+
+Level 1 - Living Room
+
+Level 1 - Utility Room
+
+This is where the Utility Room photo would display.
+
+Functional Obsolescence
+
+Functional Issues
+
+None
+
+Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024
diff --git a/chunks/txt/bdb89e459645b7effb91bfba00fe2272c2abcd01572955b3d16552890184ba47.txt b/chunks/txt/bdb89e459645b7effb91bfba00fe2272c2abcd01572955b3d16552890184ba47.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1dee4496544915803d4342a1bd739bcbbb0545ef
--- /dev/null
+++ b/chunks/txt/bdb89e459645b7effb91bfba00fe2272c2abcd01572955b3d16552890184ba47.txt
@@ -0,0 +1,335 @@
+496200
+
+NorthEast
+
+Most
+
+false
+
+401
+
+2
+
+6.32
+
+-3700
+
+false
+
+UndergroundStorageTank
+
+Dwelling
+
+2001
+
+false
+
+MultiWide
+
+1248
+
+0
+
+false
+
+3
+
+2
+
+0
+
+C4
+
+Q3
+
+Granite Countertops | Tile Shower
+
+NotUpdated
+
+Granite Countertops | Tile Floor
+
+Kitchen
+
+NotUpdated
+
+Manufactured
+
+Vinyl
+
+TypicalWearAndTear
+
+ExteriorWallsAndTrim
+
+CrawlSpace
+
+Other
+
+Pier with Tie Down
+
+Foundation
+
+true
+
+Composition
+
+TypicalWearAndTear
+
+Roof
+
+C3
+
+Q4
+
+1
+
+Electric
+
+ForcedWarmAir
+
+Outbuilding
+
+true
+
+Shed
+
+0
+
+500
+
+PropertyPhoto
+
+\\Images\MH1_Comp2.png
+
+image/png
+
+29
+
+510000
+
+SettledSale
+
+25.165171
+
+-51.328127
+
+Diagonal Alley
+
+0
+
+Detached
+
+1
+
+true
+
+1
+
+C3
+
+Q4
+
+true
+
+true
+
+FeeSimple
+
+false
+
+false
+
+false
+
+MineralRights
+
+false
+
+false
+
+2019-06-05
+
+2019-07-04
+
+499900
+
+Sale
+
+TypicallyMotivated
+
+2018-03-28
+
+332000
+
+Sale
+
+ShortSale
+
+None
+
+Concrete
+
+CulDeSac
+
+false
+
+Canal
+
+true
+
+DeepWater
+
+Dock
+
+Pier
+
+BodyOfWater
+
+10
+
+Other
+
+Gated Community
+
+5
+
+Full
+
+Valley
+
+345 Somewhere Ave
+
+Some City
+
+20141
+
+VA
+
+Driveway
+
+Gravel
+
+5
+
+false
+
+Attached
+
+Garage
+
+1
+
+-6000
+
+SalesConcessions
+
+0
+
+SaleDate
+
+0
+
+ContractDate
+
+0
+
+SiteSize
+
+10000
+
+YearBuilt
+
+-3000
+
+View
+
+-5000
+
+SiteInfluence
+
+-5000
+
+WaterFrontage
+
+0
+
+HeatingSystem
+
+-15000
+
+LivingUnitStandardFinishedAreaAboveGrade
+
+9500
+
+OverallConditionRating
+
+4500
+
+VehicleStorage
+
+0
+
+Outbuilding
+
+-10000
+
+Outbuilding
+
+415000
+
+SouthEast
+
+Most
+
+false
+
+242
+
+1
+
+3.71
+
+-20000
+
+false
+
+Landfill
+
+Dwelling
+
+1989
+
+false
+
+MultiWide
+
+1800
+
+0
+
+false
+
+3
+
+2
+
+0
+
+C4
+
+Q4
+
+Formica Countertops | Vinyl Floor
+
+NotUpdated
+
+Formica Countertops | Vinyl Floor
+
+Kitchen
+
+NotUpdated
+
+Manufactured
+
+EngineeredWood
+
+DamagedAndFunctional
diff --git a/chunks/txt/bdba142c35b65ff273478cbeca1fb56a07d707cdeee5d2bfa1557baa62a0be3b.txt b/chunks/txt/bdba142c35b65ff273478cbeca1fb56a07d707cdeee5d2bfa1557baa62a0be3b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9eb6fbf085b1b81f9f13587595f4bec647fee655
--- /dev/null
+++ b/chunks/txt/bdba142c35b65ff273478cbeca1fb56a07d707cdeee5d2bfa1557baa62a0be3b.txt
@@ -0,0 +1,113 @@
+CR
+
+CR
+
+CR
+
+UAD Requirement - Refer to Appendix D Project Information Section
+
+Numeric
+
+PDF Display Format:
+In percentage points (e.g. a value of 25 means 25%)
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+This field must be populated if field 1-
+188 (Project Commercial Space
+Indicator = 'Y') is indicated.
+
+CR
+
+CR
+
+CR
+
+202
+
+203
+
+204
+
+205
+
+206
+
+207
+
+208
+
+209
+
+1
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+190
+
+PROJECT
+INFORMATION
+
+Is there any commercial space in
+the project?
+If Yes, describe and indicate the
+overall percentage of the
+commercial space.
+
+Commercial Space
+Description
+
+A free-form text field describing the
+commercial space.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/@CommercialSpaceDescri
+ption
+
+4000
+
+String
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+This field should be populated if field 1-
+188 (Project Commercial Space
+Indicator = 'Y') is indicated.
+
+Used to specify the title of a report.
+
+/VALUATION_RESPONSE/REPORT/@_TitleDescription
+
+/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier
+
+50
+
+50
+
+String
+
+String
+
+This field occurs on every page of the form and must be consistent. The placement of
+the header on the form varies from vendor to vendor. The print reference placement on
+Appendix C is not required and is for illustrative purposes only.
+
+This field may not exist in all forms
+vendor software.
+
+This field occurs on every page of the form and must be consistent. The placement of
+the header on the form varies from vendor to vendor.
diff --git a/chunks/txt/bdbf083767cca26297e2d313d9268bfa11c3e2e493f3a78f597b17d309e66918.txt b/chunks/txt/bdbf083767cca26297e2d313d9268bfa11c3e2e493f3a78f597b17d309e66918.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bfc52e3a116414aee42cff3cf71d3e2014e4dae5
--- /dev/null
+++ b/chunks/txt/bdbf083767cca26297e2d313d9268bfa11c3e2e493f3a78f597b17d309e66918.txt
@@ -0,0 +1,53 @@
+- Physical Depreciation
+
+o DepreciationPhysicalAmount (UID: 1100.0089, FID: 25.029)
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+• Calculated: DepreciationPhysicalPercent * The sum of all occurrences of
+
+ReplacementOrReproductionCostAmount
+
+• Mutually exclusive with total depreciation. If not 0, display as a negative number.
+
+o DepreciationPhysicalPercent (UID: 1100.0090, FID: 25.028)
+
+• Deliver (even if the value is zero) as a positive number in the following format: nn.## (e.g., a value of 25.10
+
+Page 334
+
+represents 25.10%).
+
+- Functional Depreciation
+
+o DepreciationFunctionalAmount (UID: 1100.0087, FID: 25.031)
+
+• Calculated: DepreciationFunctionalPercent * The sum of all occurrences of
+
+ReplacementOrReproductionCostAmount
+
+• Mutually exclusive with total depreciation. If not 0, display as a negative number.
+
+o DepreciationFunctionalPercent (UID: 1100.0088, FID: 25.030)
+
+• Deliver (even if the value is zero) as a positive number in the following format: nn.## (e.g., a value of 25.10
+
+represents 25.10%).
+
+- External Depreciation
+
+o DepreciationExternalAmount (UID: 1100.0085, FID: 25.033)
+
+• Calculated: DepreciationExternalPercent * The sum of all occurrences of
+
+ReplacementOrReproductionCostAmount
+
+• Mutually exclusive with total depreciation. If not 0, display as a negative number.
+
+o DepreciationExternalPercent (UID: 1100.0086, FID: 25.032)
+
+• Deliver (even if the value is zero) as a positive number in the following format: nn.## (e.g., a value of 25.10
+
+represents 25.10%).
+
+- Total Depreciation - DepreciationTotalAmount (UID: 1100.0091, FID: 25.034) dollar amount
diff --git a/chunks/txt/bdc3984aab3617652365b4b48573842d2f18c4b8160935d16944739bc88579b7.txt b/chunks/txt/bdc3984aab3617652365b4b48573842d2f18c4b8160935d16944739bc88579b7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..005a7165bb43e472c2d6051c244db0e33e3d3c5d
--- /dev/null
+++ b/chunks/txt/bdc3984aab3617652365b4b48573842d2f18c4b8160935d16944739bc88579b7.txt
@@ -0,0 +1,39 @@
+[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
+
+# FHFA House Price Index®
+
+## Breadcrumb
+
+- [Home](/)
+ - [Reports](/reports)
+ - FHFA House Price Index®
+
+document.addEventListener("DOMContentLoaded", function () { const titleElement = document.querySelector('h1[data-component-id="fhfa:page-title"]'); if (titleElement) { titleElement.innerHTML = titleElement.innerHTML.replace(/®/g, '<sup>®</sup>'); } }); The FHFA House Price Index® (FHFA HPI®) is a comprehensive​ collection of publicly available house price indexes that measure changes in single-family home values based on data that extend back to the mid-1970s from all 50 states and over 400 American cities. The FHFA HPI® incorporates tens of millions of home sales and offers insights about house price fluctuations at the national, census division, state, metro area, county, ZIP code, and census tract levels. FHFA uses a fully transparent methodology based upon a weighted, repeat-sales statistical technique to analyze house price transaction data.
diff --git a/chunks/txt/bdc4ccab393da68c87f76f5e3d939b1a7b7427802055efe71543e3a06236fdc9.txt b/chunks/txt/bdc4ccab393da68c87f76f5e3d939b1a7b7427802055efe71543e3a06236fdc9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e40ab4c5464384b4b1aab0b1051808cd08a9ccad
--- /dev/null
+++ b/chunks/txt/bdc4ccab393da68c87f76f5e3d939b1a7b7427802055efe71543e3a06236fdc9.txt
@@ -0,0 +1,26 @@
+Scope of Work
+
+The scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users,
+the intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the
+applicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject
+property; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property
+reported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report.
+
+Intended Use
+
+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.
+
+Intended User
+
+The intended user of this appraisal report is the lender/client.
+
+Definition of Market Value
+
+The most probable price that a property should bring in a competitive and open market under all conditions requisite to a fair sale with the
+buyer and seller each acting prudently and knowledgeably, and assuming the price is not affected by undue stimulus. Implicit in this definition
+is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller
+are typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best
+interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U.S. dollars or in terms of
+financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special
+or creative financing or sales concessions* granted by anyone associated with the sale.
diff --git a/chunks/txt/bdce0e5d0bbbf3a456db96d54319338f2b90f827e45283b2668529ddefbb883e.txt b/chunks/txt/bdce0e5d0bbbf3a456db96d54319338f2b90f827e45283b2668529ddefbb883e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..556c32dcf87fc4fe1a5b9bc346050907207a40df
--- /dev/null
+++ b/chunks/txt/bdce0e5d0bbbf3a456db96d54319338f2b90f827e45283b2668529ddefbb883e.txt
@@ -0,0 +1,46 @@
+Desktop Underwriter/Desktop Originator Integration Impact Memo
+DU Version 11.1 Nov. Update
+
+Oct. 4, 2023
+
+During the weekend of Nov. 18, 2023, Fannie Mae will implement an update to Desktop Underwriter® (DU®) Version 11.1. The
+changes in this release will apply to loan casefiles submitted or resubmitted to DU on or after the weekend of Nov. 18, 2023.
+
+Please review this memo, in addition to the Release Notes to ensure that your integrated system(s) will be prepared to support
+this release.
+
+New, Modified, and Retired DU Underwriting Findings Messages
+
+This release will introduce new, modified, and retired messages that will be issued in the DU Underwriting Findings report.
+
+How will this affect my integrated system(s)?
+
+Integrated systems that parse the DU Underwriting Findings report data file (RES file), or Codified Findings (XML file) may require
+updates to support the message changes. Integrated systems parsing the DU Underwriting Findings via the DU Messages API may
+also require updates to support the message changes. Reference the table below for a preliminary assessment of the anticipated
+message changes.
+
+Summary of DU Underwriting Findings Message Updates:
+
+New Messages
+
+Modified Messages
+
+Retired Messages
+
+3
+
+14
+
+1
+
+The draft DU messages file will be distributed via email from Integration News (integration_news@fanniemae.com) to authorized
+subscribers on or about Oct. 4, 2023.
+
+HomeStyle Energy
+
+DU will now identify HomeStyle® Energy loan casefiles using the “Mortgage loan will finance energy-related improvements”
+indicator (field details below) when the loan is also a HomeStyle Renovation loan. Doing so will allow lenders to include the
+amount of the energy improvements in Line B of Qualifying the Borrower, instead of requiring an amount to be provided in the
+“Energy improvements included in transaction” field, which can be found in the L1 Property and Loan Information section of the
+Desktop Originator® (DO®)/DU User Interface (UI).
diff --git a/chunks/txt/bdd5d1d3fc4e8766cf98fec6c5ca9f0c23313cd19a17d5cafd42261b16a8b380.txt b/chunks/txt/bdd5d1d3fc4e8766cf98fec6c5ca9f0c23313cd19a17d5cafd42261b16a8b380.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7d1d3cf67a6e96532a741c3f068a6fc8fface20c
--- /dev/null
+++ b/chunks/txt/bdd5d1d3fc4e8766cf98fec6c5ca9f0c23313cd19a17d5cafd42261b16a8b380.txt
@@ -0,0 +1,56 @@
+PUDB Multifamily Census Tract File
+includes a data element named
+Acquisition UPB that aligns with the
+UPB at the time of purchase.
+Acquisition UPB was previously
+rounded to the nearest $1,000 in the
+PUDB. Acquisition UPB will continue to
+be disclosed in the Census Tract File,
+but the disclosure will be changed to the
+midpoint of the $10,000 interval in
+which the actual amount falls, in
+accordance with the CFPB Privacy
+Guidance.155
+
+ii. No Disclosure Changes in the PUDB
+
+The HMDA multifamily data elements
+
+listed below are currently disclosed in
+the PUDB Multifamily Census Tract File
+and were unchanged by the Regulation
+C amendments, or modified in a way
+that is irrelevant to Enterprise data.
+Accordingly, they will continue to be
+disclosed in the same manner in this
+File. No changes in reporting or
+disclosure are necessary to conform
+with Regulation C.
+
+Action Taken Date (Purchased Loan):
+
+Action Taken Date is an unchanged
+HMDA data element that indicates the
+action, and the date that action was
+taken.156 For the Enterprise data and
+PUDB purposes, the relevant HMDA
+Action Taken Date values are Loan
+Originated (discussed above in Section
+II.C.2.i.) and Purchased Loan. Action
+Taken Date for Purchased Loans is the
+date the loan was purchased from an
+originator.157 To protect borrower
+privacy, the CFPB intends to withhold
+this date from its public dataset, but the
+year of purchase can be inferred from
+the year of the dataset, which contains
+data on loans purchased in a single
+calendar year. Likewise, the year of
+Enterprise acquisition can be inferred
+from the year of the PUDB, which only
+contains data on loans acquired by the
+Enterprises in a single calendar year.
+Accordingly, no data elements need to
+be added to the PUDB Multifamily
+Census Tract File to conform with
+Regulation C.
diff --git a/chunks/txt/bdd9e196b16355cfccadbaddad2c244c6be940db3490754c349aa7870a4a1c0f.txt b/chunks/txt/bdd9e196b16355cfccadbaddad2c244c6be940db3490754c349aa7870a4a1c0f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5716fa8740db6bf9721d6b78f8acb4e89323e8ac
--- /dev/null
+++ b/chunks/txt/bdd9e196b16355cfccadbaddad2c244c6be940db3490754c349aa7870a4a1c0f.txt
@@ -0,0 +1,23 @@
+Completion Report UAD 3.6 Compliance Rules available on
+UAD Compliance API
+
+May 20, 2025
+
+In support of the Uniform Appraisal Dataset (UAD) and Forms Redesign initiative, Freddie Mac and Fannie Mae (the GSEs) have
+made available all 102 Completion Report UAD 3.6 Compliance Rules via each GSE’s UAD Compliance application programming
+interface (API) as of May 20, 2025. This is in addition to the 709 Uniform Residential Appraisal Report (URAR) and 102 Restricted
+Appraisal Update Report UAD 3.6 Compliance Rules that were made available in the GSEs’ UAD Compliance APIs on December 5,
+2024, and March 27, 2025, respectively. This completes the entire 913 UAD 3.6 Compliance Rules that are now available via each
+GSE’s UAD Compliance API.
+
+The GSEs’ APIs will help ensure users comply with the UAD 3.6 specification and enhance efficiency in the appraisal process while
+reducing the need for appraisal resubmissions to the Uniform Collateral Data Portal® (UCDP®). It does this by validating the UAD
+3.6 appraisal XML against the UAD 3.6 Compliance Rules for the URAR, Restricted Appraisal Update Report, and now the
+Completion Report prior to submission to the UCDP. The API will validate that the XML is well-formed, will perform a UAD 3.6
+schema validation, and will verify conditionality (required, conditionally required, etc.), data type, and format.
+
+If you have not already integrated with one or both GSEs’ APIs, please do so to take advantage of the benefits of validating your
+solution’s UAD 3.6 appraisal XML to ensure its compliance with the UAD 3.6 specification.
+
+Please note: to use the GSEs’ APIs in production, you must complete each GSE’s verification process. You may still use the GSEs’
+APIs in the customer test environment (CTE) until you have completed verification.
diff --git a/chunks/txt/bddb324f2a496625ef7a81e978dadbb5ea408995b1eae8b55c3f70759fb600e6.txt b/chunks/txt/bddb324f2a496625ef7a81e978dadbb5ea408995b1eae8b55c3f70759fb600e6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..21c38b34706fd29975bfa95bf09b450e1ee7973d
--- /dev/null
+++ b/chunks/txt/bddb324f2a496625ef7a81e978dadbb5ea408995b1eae8b55c3f70759fb600e6.txt
@@ -0,0 +1,7 @@
+Respondents should submit only information that the respondent wishes to make available publicly. FHFA may post only a single representative example of identical or substantially identical submissions, and in such cases will generally identify the number of identical or substantially identical submissions represented by the posted example.
+
+FHFA may, in its discretion, redact or refrain from posting all or any portion of any submission that contains content that is obscene, vulgar, profane, or threatens harm. All submissions, including those that are redacted or not posted, will be retained in their original form in FHFA’s internal RFI file.
+
+Respondents that would like FHFA to consider any portion of their submission exempt from disclosure on the basis that it contains trade secrets, or financial, confidential or proprietary data or information, should follow the procedures in section IV.D. of FHFA’s Policy on Communications with Outside Parties in Connection with FHFA Rulemakings, which FHFA is also applying to RFI submissions, see [https://www.fhfa.gov/AboutUs/Policies/Documents/Ex-Parte-Communications-Public-Policy_3-5-19.pdf](/sites/default/files/documents/Ex-Parte-Communications-Public-Policy_3-5-19.pdf). FHFA cannot guarantee that such data or information, or the identity of the respondent, will remain confidential if disclosure is sought pursuant to an applicable statute or regulation. See 12 CFR 1202.8, 12 CFR 1214.2. and [https://www.fhfa.gov/about/foia-reference-guide](/about/foia-reference-guide) for additional information.
+
+To ensure file attachments are received, make certain file names do NOT include characters such as **~ # % & * { } \ : < > ? / |** and file names are short and concise. If you have trouble submitting input or uploading documents to attach to input, please contact [FHFAwebmaster@FHFA.gov](mailto:FHFAwebmaster@FHFA.gov) or call (202) 649-3031 for assistance.
diff --git a/chunks/txt/bdea2ad3278747352e19d04c4e754b39ff2349e21a3e7f3183d3125a052ffe2b.txt b/chunks/txt/bdea2ad3278747352e19d04c4e754b39ff2349e21a3e7f3183d3125a052ffe2b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..00a2933896726e162c24a9a6404ac21eb14dd0a9
--- /dev/null
+++ b/chunks/txt/bdea2ad3278747352e19d04c4e754b39ff2349e21a3e7f3183d3125a052ffe2b.txt
@@ -0,0 +1,28 @@
+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.
+
+4. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser’s analyses,
+opinions, statements, conclusions, and the appraiser’s certification.
+
+5. The assignment information regarding the scope of inspection by the Supervisory Appraiser is correct.
+
+6. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser’s analyses, opinions,
+statements, conclusions, and the appraiser’s certification.
+
+7. The appraiser identified in this appraisal report is either a subcontractor or an employee of the supervisory appraiser (or the appraisal firm),
+is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable law.
+
+TXC-NP
+
+8. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable federal
+and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation of
+my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is
+enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.
diff --git a/chunks/txt/bdf01a2ea90052ce7faf95f3d0ade446e6eb8c73477190a7166530ab9712a5d8.txt b/chunks/txt/bdf01a2ea90052ce7faf95f3d0ade446e6eb8c73477190a7166530ab9712a5d8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7322ecb4dac5f26aacd4ed0f3592f421bf6ab1d6
--- /dev/null
+++ b/chunks/txt/bdf01a2ea90052ce7faf95f3d0ade446e6eb8c73477190a7166530ab9712a5d8.txt
@@ -0,0 +1,101 @@
+Foundation
+Full Basement
+
+Foundation Exists
+Indicator
+
+Indicates that there is a foundation.
+
+143
+
+IMPROVEMENTS
+
+Foundation
+Partial Basement
+
+Foundation Exists
+Indicator
+
+Indicates that there is a foundation.
+
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/STRUCTURE_ANALYSIS/STRUCT
+URE_ANALYSIS_EXTENSION/STRUCTURE
+_ANALYSIS_EXTENSION_SECTION[@Exte
+nsionSectionOrganizationName='UNIFORM
+APPRAISAL
+DATASET']/STRUCTURE_ANALYSIS_EXTE
+NSION_SECTION_DATA/EFFECTIVE_AGE/
+@GSEEffectiveAgeDescription
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/FOUNDATION[@_Type='Slab']/@_
+ExistsIndicator
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/FOUNDATION[@_Type='Crawlspac
+e']/@_ExistsIndicator
+
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/FOUNDATION[@_Type='Basement'
+]/@_ExistsIndicator
+
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/FOUNDATION[@_Type='PartialBas
+ement']/@_ExistsIndicator
+
+144
+
+IMPROVEMENTS
+
+Foundation
+Basement Area
+
+Square Feet Count
+
+Identifies an area measured in square
+feet. (e.g. The area of a room or deck)
+
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/BASEMENT/@SquareFeetCount
+
+145
+
+IMPROVEMENTS
+
+Foundation
+Basement Finish
+
+Basement Finished
+Percent
+
+The percentage of the basement that
+is considered finished.
+
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/BASEMENT/@_FinishedPercent
+
+146
+
+IMPROVEMENTS
+
+Foundation
+Outside Entry/Exit
+
+Basement Feature
+Exists Indicator
+
+Indicates that the feature specified by
+Basement Feature Type is present.
+
+147
+
+IMPROVEMENTS
+
+Foundation
+Sump Pump
+
+Foundation Feature
+Exists Indicator
+
+Indicates that the property does have
+the foundation features specified in
+Foundation Feature Type.
diff --git a/chunks/txt/bdf197fc4748bca968235e47096e84a0943dc4d6282d55029082acd333fd6742.txt b/chunks/txt/bdf197fc4748bca968235e47096e84a0943dc4d6282d55029082acd333fd6742.txt
new file mode 100644
index 0000000000000000000000000000000000000000..53760d29d89b3266bbc44f840722976d377ba2b4
--- /dev/null
+++ b/chunks/txt/bdf197fc4748bca968235e47096e84a0943dc4d6282d55029082acd333fd6742.txt
@@ -0,0 +1,29 @@
+Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 27 of 29
+Page 27 of 29
+
+Certifications
+
+Appraiser Certifications
+
+The Appraiser certifies and agrees that:
+
+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.
+
+4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity),
+age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present
+or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis
+prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.
+
+5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to
+the assumptions and limiting conditions in this appraisal report.
diff --git a/chunks/txt/bdf6ea87a1247a637ebfeda67ea0d5563af6544f61f702702b3afc6c906aec06.txt b/chunks/txt/bdf6ea87a1247a637ebfeda67ea0d5563af6544f61f702702b3afc6c906aec06.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9bae57306177864884a81150b29abb4ea888fe1c
--- /dev/null
+++ b/chunks/txt/bdf6ea87a1247a637ebfeda67ea0d5563af6544f61f702702b3afc6c906aec06.txt
@@ -0,0 +1,22 @@
+4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity),
+age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present
+or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis
+prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.
+
+5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to
+the assumptions and limiting conditions in this appraisal report.
+
+6. I have, at a minimum, developed and reported this appraisal update in accordance with the scope of work requirements stated in this
+appraisal update report and concur with the analysis and conclusions in the original appraisal.
+
+7. I performed this appraisal update in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were
+adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal
+update was prepared.
+
+8. I have updated the appraisal by incorporating the original appraisal report by reference.
+
+9. I have summarized my analysis and conclusions in this appraisal update and retained all supporting data in my work file.
+
+10. I personally performed an onsite inspection of the interior and exterior areas of the subject property. I reported the readily observable
+condition of the improvements in factual, specific terms. I identified and reported any known physical deficiencies that could affect the
+soundness or structural integrity of the property.
diff --git a/chunks/txt/bdfeffb831db3a720a2e4d3baf7d0052bc09561aa3736ce48edf9333bbf786fe.txt b/chunks/txt/bdfeffb831db3a720a2e4d3baf7d0052bc09561aa3736ce48edf9333bbf786fe.txt
new file mode 100644
index 0000000000000000000000000000000000000000..96e3447f52a1fa255855bc73b8c6fa210a224780
--- /dev/null
+++ b/chunks/txt/bdfeffb831db3a720a2e4d3baf7d0052bc09561aa3736ce48edf9333bbf786fe.txt
@@ -0,0 +1,134 @@
+This data field
+represents the
+average of the total
+net adjustments
+made to the sale
+prices of all the
+comparable
+properties. An
+adjustment is a
+
+10
+
+Field Name
+
+Short Description
+
+Definition
+
+Format
+
+Allowable
+Values
+
+UAD PUF Version 2.1 Data Dictionary
+
+adjusted_price
+
+Average Adjusted Sale
+Price of All Settled Comps
+
+Numeric
+
+$5,000 to
+$1,705,000
+
+The average sales price of all
+settled comparables used in the
+appraisal, after appraiser-
+applied adjustments have been
+applied in the Sales Comparison
+Approach.
+
+Appraisal Form
+Section
+
+Notes
+
+change in value to
+the sale price of a
+comparable property
+to make it equivalent
+to the subject
+property.
+
+This data field
+represents the
+average of the
+adjusted sale prices
+of the settled
+comparable
+properties.
+
+Sales Comparison
+Approach
+(Derived Field)
+
+Disclosure
+Avoidance
+Method
+high-cost areas;
+can be positive
+or negative;
+rounded to
+nearest $1.
+
+Top coded to
+$1.7 million for
+high-cost areas
+and $720,000 for
+non-high-cost
+areas; using
+intervals of
+$10,000,
+disclosed the
+midpoint value
+for the interval
+into which the
+reported value
+falls. For
+example, for a
+reported value of
+$117,835,
+disclosed as
+$115,000
+because it is the
+midpoint
+between
+$110,000 and
+$120,000.
+
+Federal Housing Finance Agency
+
+11
+
+UAD PUF Version 2.1 Data Dictionary
+
+Field Name
+
+Short Description
+
+Definition
+
+Format
+
+number_comparables
+
+Number of Comps Used
+
+same_tract_percent
+
+Percent of Comps
+Located Within Same
+Census Tract as Subject
+Property
+
+Character
+
+Numeric
+
+Number of comparable sales,
+pending sales, or active listings
+used in the appraisal, as
+reported in the Sales
+Comparison Approach.
diff --git a/chunks/txt/be0922371cea6ad24eb5570dfc7b6ce5435f3ade541fc1abbd49642c075948e3.txt b/chunks/txt/be0922371cea6ad24eb5570dfc7b6ce5435f3ade541fc1abbd49642c075948e3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..01ea93f7af5574cacb059e33b77fa647185f2b25
--- /dev/null
+++ b/chunks/txt/be0922371cea6ad24eb5570dfc7b6ce5435f3ade541fc1abbd49642c075948e3.txt
@@ -0,0 +1,7 @@
+### Appendix II: Data Dictionary - NRI_Census_Tracts
+
+Field Name Field Description State State Name County County Name Tract 2020 Census Tract Stcofips State-County-Tract FIPS Code Tractfips State-County FIPS Code pov_ind Persistent Poverty County Indicator Risk_Rating_S National Risk Index Rating for selected Hazard rural_ind Rural area for purposes of Duty to Serve Indicator Avln Riskr Hazard Type Risk Index Rating - Avalanche Cfld Riskr Hazard Type Risk Index Rating - Coastal Flooding Cwav Riskr Hazard Type Risk Index Rating - Cold Wave Drgt Riskr Hazard Type Risk Index Rating - Drought Erqk Riskr Hazard Type Risk Index Rating - Earthquake Hail Riskr Hazard Type Risk Index Rating - Hail Hwav Riskr Hazard Type Risk Index Rating - Heat Wave Hrcn Riskr Hazard Type Risk Index Rating - Hurricane Istm Riskr Hazard Type Risk Index Rating - Ice Storm Lnds Riskr Hazard Type Risk Index Rating - Landslide Ltng Riskr Hazard Type Risk Index Rating - Lightning Rfld Riskr Hazard Type Risk Index Rating - Riverine Flooding Swnd Riskr Hazard Type Risk Index Rating - Strong Wind Trnd Riskr Hazard Type Risk Index Rating - Tornado Tsun Riskr Hazard Type Risk Index Rating - Tsunami Vlcn Riskr Hazard Type Risk Index Rating - Volcanic Activity Wfir Riskr Hazard Type Risk Index Rating - Wildfire Wntw Riskr Hazard Type Risk Index Rating - Winter Weather Risk Ratng Hazard Type Risk Index Rating - Composite Resl Ratng Community Resilience - Rating Sovi Ratng Social Vulnerability - Score
+
+---
+
+[1] Please see the link [here](/data/duty-to-serve/eligibility-data) for more information about FHFA’s Duty to Serve High-Needs Rural areas.
diff --git a/chunks/txt/be0f2c0275796deda5def6ccaaeccc201ec0cc1e3cf7a2a6375e59192fd39aac.txt b/chunks/txt/be0f2c0275796deda5def6ccaaeccc201ec0cc1e3cf7a2a6375e59192fd39aac.txt
new file mode 100644
index 0000000000000000000000000000000000000000..92df70bb4fdec686b48a80cd249803e5a3945af9
--- /dev/null
+++ b/chunks/txt/be0f2c0275796deda5def6ccaaeccc201ec0cc1e3cf7a2a6375e59192fd39aac.txt
@@ -0,0 +1,77 @@
+A roof designed or modified to give increased strength and protection from severe weather.
+
+Framing Anchoring or Bracing A structural system designed to resist wind and earthquake forces in which frames are secured and are designed to not
+
+sway laterally.
+
+Impact Resistant Glass
+
+Windows or glass designed to withstand high winds and impact from objects, making them far less likely to shatter, even
+from direct blows.
+
+Impact Resistant Shingles
+
+Note: This answer is specific to roof shingles.
+
+Noncombustible Perimeter
+
+Entire outer edge of the property boundary has been designed to mitigate or stop fire from spreading.
+
+Storm Shelter
+
+Storm Shutters
+
+A structure designed to protect the occupants from severe weather.
+
+Permanently attached material used to protect windows or doors that can be stored when not in use (e.g., hurricane
+shutters).
+
+Water Heater Strapping
+
+System designed to secure the water heater in place in the event of an earthquake.
+
+Other (Describe)
+
+Select Other to enter an answer that is not in the above list.
+
+Appendix F-1: URAR Reference Guide
+
+Page 85 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+04 Site
+
+Disaster Mitigation Commentary
+
+Disaster Mitigation Commentary
+
+Report
+Field ID
+
+5.001
+
+Report Label
+
+When to Include
+
+Disaster
+Mitigation
+Commentary
+
+Required if the
+Disaster Mitigation
+section displays
+
+Allowable
+Answers / Format
+
+Free-form
+
+Definition / Additional Guidance
+
+Commentary could include information pertinent to the Disaster Mitigation
+section that is not captured in the discrete data, or additional details to support
+the discrete data that is provided.
diff --git a/chunks/txt/be0ffb2d7b9073f7bac0e86bd9872071ce8568aa7467336c8a59b0e212baca01.txt b/chunks/txt/be0ffb2d7b9073f7bac0e86bd9872071ce8568aa7467336c8a59b0e212baca01.txt
new file mode 100644
index 0000000000000000000000000000000000000000..48bc4eddea3a89d2486942a62caffe2fb45d1181
--- /dev/null
+++ b/chunks/txt/be0ffb2d7b9073f7bac0e86bd9872071ce8568aa7467336c8a59b0e212baca01.txt
@@ -0,0 +1,72 @@
+</CLOSING_ADJUSTMENT_ITEM_DETAIL>
+ <CLOSING_ADJUSTMENT_ITEM_PAID_BY>
+
+<LEGAL_ENTITY>
+
+<LEGAL_ENTITY_DETAIL>
+
+<FullName>Acme </FullName>
+
+</LEGAL_ENTITY_DETAIL>
+
+</LEGAL_ENTITY>
+
+</CLOSING_ADJUSTMENT_ITEM_PAID_BY>
+
+</CLOSING_ADJUSTMENT_ITEM>
+ </CLOSING_ADJUSTMENT_ITEMS>
+
+…
+</MESSAGE>
+
+UCD v2.0 Implementation Guide
+
+- 44 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+E. DEPOSIT AND GENERAL CLOSING DATA
+
+1. DEPOSIT
+
+The second child container of CLOSING_INFORMATION is CLOSING_COST_FUNDS, which holds one line item required in
+all XML files—the deposit. Even though the deposit on the sales contract also a line item in the purchase transaction Cash to
+Close table, a different, CD-specific data point is used there (see V.E.2.a. Data Points Supporting the Cash to Close Table for a
+Purchase).
+
+Table 24. XML File Container Structure for Deposit and General Closing Data.
+
+UCD UIDs Containers
+
+UCD Usage Notes
+
+999.069
+
+CLOSING_INFORMATION
+
+(parent of CLOSING_COST_FUNDS)
+
+10.028
+
+CLOSING_COST_FUNDS
+
+Holds one of more sets of closing cost fund data points. In UCD v2.0, one instance is required
+for all purchases.
+
+999.102
+
+CLOSING_COST_FUND
+
+Holds data points to be used with a purchase for the deposit or earnest money
+
+There are three scenarios affecting how the deposit on the sales contract should be provided in the XML file when
+
+LoanPurposeType = “Purchase”.
+
+a. The most likely scenario is that the total of any deposit amount that is paid to the seller, or held in trust or escrow
+by an attorney or other party under the terms of the sales contract, is provided using the data point FundsType =
+“DepositOnSalesContract”.
diff --git a/chunks/txt/be181b5ed42e2941de61b3f8a07452dd3bcc6164f8bc8ba08592d4fd9212178f.txt b/chunks/txt/be181b5ed42e2941de61b3f8a07452dd3bcc6164f8bc8ba08592d4fd9212178f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6b9a8dc0691c9ef12f5c66d9052541c56ccad4d6
--- /dev/null
+++ b/chunks/txt/be181b5ed42e2941de61b3f8a07452dd3bcc6164f8bc8ba08592d4fd9212178f.txt
@@ -0,0 +1,19 @@
+**Q18. When will the UCD Upload Summary and UCD Findings Reports be made available?**
+
+Fannie Mae will provide an Upload Summary Report for all individual and batch files and will also provide a Findings Report for each uploaded UCD file. These reports will be available via the UCD collection solution shortly after clicking ‘Submit’ (i.e., the reports will display on the UCD File Upload page). Both reports can be printed and/or saved in a PDF format.
+
+**Q19. Will the UCD Upload Summary and UCD Findings Reports be the same for a single UCD file submission versus a batch submission?**
+
+Yes. The UCD Upload Summary Report and UCD Finding Report(s) will be the same regardless of whether it is a single UCD file submission or a batch upload. Users can either upload a single XML file or create a ZIP file containing multiple UCD files and upload as a batch UCD file submission.
+
+**Q20. Will the user be able to download the UCD Findings Report?**
+
+Yes, you can download the UCD Findings Report in a PDF format.
+
+**Q21. If there is an issue generating the UCD Findings Report for one or more UCD files that are part of a batch submission, will the entire batch file be rejected? If yes, will there be messaging to inform me that the UCD file was not imported?**
+
+The Upload Summary Report will indicate successful and unsuccessful submissions. Individual successful file uploads within the batch upload will receive a UCD Findings Report.
+
+**Q22. Why is the DU casefile ID assigned in DO an invalid Casefile ID in UCD?**
+
+If the loan was originated in Desktop Originator® (DO®) it must be transferred to DU prior to submitting the UCD. DO provides a preliminary approval and therefore, the loan should have a final approval in DU for the casefile ID to be valid for a successful UCD submission.
diff --git a/chunks/txt/be1a5cae1faa32bd184d2bc106d50edf96d37f9237ca51f0c16bdb9335dc4ce4.txt b/chunks/txt/be1a5cae1faa32bd184d2bc106d50edf96d37f9237ca51f0c16bdb9335dc4ce4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c9b0055de6cd9d3d9ed9390146ff1278776baedd
--- /dev/null
+++ b/chunks/txt/be1a5cae1faa32bd184d2bc106d50edf96d37f9237ca51f0c16bdb9335dc4ce4.txt
@@ -0,0 +1,5 @@
+record_id: 2100042083000 | year: 2021 | weight: 20 | state_fips_2010: 34 | state_fips_2020: NA | county_fips_2010: 34005 | county_fips_2020: NA | tract_fips_2010: 34005702603 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 215000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 1 | sales_range_high: 255000 | sales_range_low: 155000 | updated_last_15_years: 1 | lot_size: 1 | quality: 4 | condition: 2 | bathrooms: 3 | bedrooms: 2 | gross_living_area: 3 | median_adjustment: 2700 | average_adjustment: 4808 | adjusted_price: 195000 | number_comparables: 4 | same_tract_percent: 67 | calculated_proximity: 0.32 | reported_proximity: 0.33 | value_sale_comparison: 195000 | value_cost: 205000 | value_income: NA | appraised_value: 195000 | appraisal_to_contract: 87.3 | comparison_to_contract: 87.3
+record_id: 2100004579000 | year: 2021 | weight: 20 | state_fips_2010: 39 | state_fips_2020: NA | county_fips_2010: 39061 | county_fips_2020: NA | tract_fips_2010: 39061008202 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 165000 | built_up: 1 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 1 | marketing_time: 1 | sales_range_high: NA | sales_range_low: NA | updated_last_15_years: 1 | lot_size: 1 | quality: 3 | condition: 3 | bathrooms: 1 | bedrooms: 2 | gross_living_area: 2 | median_adjustment: 1120 | average_adjustment: 2415 | adjusted_price: 175000 | number_comparables: 4 | same_tract_percent: 83 | calculated_proximity: 0.22 | reported_proximity: 0.22 | value_sale_comparison: 165000 | value_cost: 195000 | value_income: NA | appraised_value: 165000 | appraisal_to_contract: 100 | comparison_to_contract: 100
+record_id: 2100035404000 | year: 2021 | weight: 20 | state_fips_2010: 18 | state_fips_2020: NA | county_fips_2010: 18017 | county_fips_2020: NA | tract_fips_2010: NA | tract_fips_2020: NA | purpose: 1 | owner_occupied: 1 | contract_price: 85000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 1 | sales_range_high: NA | sales_range_low: NA | updated_last_15_years: 2 | lot_size: 1 | quality: 4 | condition: 4 | bathrooms: 2 | bedrooms: 3 | gross_living_area: 4 | median_adjustment: 5300 | average_adjustment: 1377 | adjusted_price: 85000 | number_comparables: 1 | same_tract_percent: 67 | calculated_proximity: 0.51 | reported_proximity: 0.51 | value_sale_comparison: 85000 | value_cost: NA | value_income: NA | appraised_value: 85000 | appraisal_to_contract: 103.8 | comparison_to_contract: 103.8
+record_id: 2100038234000 | year: 2021 | weight: 20 | state_fips_2010: 26 | state_fips_2020: NA | county_fips_2010: 26023 | county_fips_2020: NA | tract_fips_2010: 26023951200 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 75000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 105000 | sales_range_low: 65000 | updated_last_15_years: 1 | lot_size: 4 | quality: 4 | condition: 4 | bathrooms: 1 | bedrooms: 3 | gross_living_area: 3 | median_adjustment: -1295 | average_adjustment: -101 | adjusted_price: 75000 | number_comparables: 5 | same_tract_percent: 75 | calculated_proximity: 3.13 | reported_proximity: 3.12 | value_sale_comparison: 75000 | value_cost: 85000 | value_income: NA | appraised_value: 75000 | appraisal_to_contract: 100 | comparison_to_contract: 100
+record_id: 2100040036000 | year: 2021 | weight: 20 | state_fips_2010: 26 | state_fips_2020: NA | county_fips_2010: 26099 | county_fips_2020: NA | tract_fips_2010: NA | tract_fips_2020: NA | purpose: 1 | owner_occupied: 1 | contract_price: 215000 | built_up: 1 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 2 | marketing_time: 1 | sales_range_high: NA | sales_range_low: NA | updated_last_15_years: 1 | lot_size: 9 | quality: 4 | condition: 3 | bathrooms: 9 | bedrooms: 2 | gross_living_area: 1 | median_adjustment: -4800 | average_adjustment: -3580 | adjuste
diff --git a/chunks/txt/be2159379627c8358fbcbc13b5bfed71638dc957a2a471f3ca54aca9cc82ad98.txt b/chunks/txt/be2159379627c8358fbcbc13b5bfed71638dc957a2a471f3ca54aca9cc82ad98.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e94cc5b6722bbc0d413c503b1e800041b03b8452
--- /dev/null
+++ b/chunks/txt/be2159379627c8358fbcbc13b5bfed71638dc957a2a471f3ca54aca9cc82ad98.txt
@@ -0,0 +1,84 @@
+</PAYMENT_RULE>
+
+</PAYMENT>
+
+…
+</MESSAGE>
+
+UCD v2.0 Implementation Guide
+
+- 123 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+V. LOAN TERMS DATA
+
+This chapter discusses XML file data requirements for refinance and note terms data. The data is organized into two
+containers under LOAN as we continue to move through the categories of data describing the loan.
+
+Table 62. XML File Container Structure for Loan Terms Data.
+
+UCD UIDs
+
+Containers
+
+UCD Usage Notes
+
+999.259
+
+REFINANCE
+
+999.260
+
+TERMS_OF_LOAN
+
+Holds data points describing refinance characteristics. UCD v2.0 specifies
+one GSE-specific data point—RefinanceSameLenderIndicator is collected.
+
+Holds data points describing the loan terms (rates, note amount, lien
+position, etc.). UCD v2.0 contains one GSE-specific data point—
+LienPriorityType.
+
+1. REFINANCE AND LIEN POSITION DATA
+
+The one detail about the refinance in the XML file is whether the subject loan is being refinanced with the current loan
+holder, servicer or an affiliate of either. This is a GSE-required data point and is not rendered on the CD. LienPriorityType,
+another GSE-required data point to indicate the loan’s lien position, is also in TERMS_OF_LOAN.
+
+Table 63. UCD v2.0 Excerpt - Note Terms - GSE Specific Data Requirements.
+
+UCD UID
+
+MISMO v3.3.0 Data Point
+
+MISMO v3.3.0 Value
+
+Implementation Notes
+
+3.036
+
+RefinanceSameLenderIndicator
+
+false
+
+Enter “true” for all refinances.
+
+3.016
+
+LienPriorityType
+
+FirstLien
+
+Only “FirstLien” is accepted.
+
+2. NOTE AMOUNTS
+
+a. Assumed Loan
+
+If LoanPurchaseType = “Purchase” and the borrower is assuming the seller’s loan, the amount assumed is captured in the
+data point “AssumedLoanAmount”. When more than one loan is being assumed, provide the total amount of all outstanding
+loans.
diff --git a/chunks/txt/be2f934ce6f31b1b964c784b6c86f0c024c57b9767a43be549cea40b9e3d9748.txt b/chunks/txt/be2f934ce6f31b1b964c784b6c86f0c024c57b9767a43be549cea40b9e3d9748.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e3486062330eab81e7d7a6364068623f1d585cd8
--- /dev/null
+++ b/chunks/txt/be2f934ce6f31b1b964c784b6c86f0c024c57b9767a43be549cea40b9e3d9748.txt
@@ -0,0 +1,67 @@
+Note: Unless specifically noted in the above table, all references to manufactured homes may be single-section, multi-section, or a
+combination of both.
+
+Standard PERS Submission Process
+
+The standard PERS submission process is described below:
+
+Step
+
+Action
+
+1.
+
+2.
+
+The lender performs a review to determine if the project satisfies all applicable Fannie Mae project eligibility
+and underwriting requirements of the Full Review process prior to submission to PERS.
+
+See below for additional lender pre-PERS submission review requirements
+
+•
+•
+
+for newly converted non-gut rehabilitation condo projects, and
+for projects consisting of manufactured homes.
+
+The lender completes a project submission package, that includes:
+
+• Project Eligibility Review Service Document Checklist (Form 1030) for condo projects or Project
+Eligibility Review Service Document Checklist - Co-op Projects (Form 1078) for co-op projects.
+Application for Project Approval (Form 1026).
+
+•
+• An appraisal report for a representative unit in the project meeting the following requirements:
+
+o The effective date of the appraisal report must be within 120 days of the PERS application.
+o The appraisal report must include photographs of the project, including:
+
+the entire front of the building where the representative unit is located,
+
+recreational amenities,
+
+▪
+▪ private streets,
+▪
+▪ parking,
+▪
+▪
+
+commercial space, and
+common areas.
+
+See below for additional forms that may be required.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 139 of 166
+
+UAD 3.6 Policy
+
+Step
+
+Action
+
+The condo project's legal documents must comply with the Fannie Mae's requirements listed in Selling
+Guide B4-2.2-03, Full Review: Additional Eligibility Requirements for Units in New and Newly Converted Condo
+Projects.
diff --git a/chunks/txt/be342c484e663b47230c63a8e61e8cab8092090f3a3b78c2d1eb38eed9d0d8ce.txt b/chunks/txt/be342c484e663b47230c63a8e61e8cab8092090f3a3b78c2d1eb38eed9d0d8ce.txt
new file mode 100644
index 0000000000000000000000000000000000000000..23ae61756aee90627fa4f5c2b362c4f05bac06a5
--- /dev/null
+++ b/chunks/txt/be342c484e663b47230c63a8e61e8cab8092090f3a3b78c2d1eb38eed9d0d8ce.txt
@@ -0,0 +1,66 @@
+Equity Loan” will be rendered for the CD field 3.3 “Product”.
+
+Figure 53. Rendering IntegratedDisclosureHomeEquityLoanIndicator = "true" on the CD.
+
+3.0 Loan Information
+
+3.3 Product Home Equity Loan
+
+b. CD Disclosure Date Data
+
+The date the CD was mailed or delivered to the borrower is provided in CD field 1.1 “Date Issued”.
+
+Figure 54. Rendering IntegratedDisclosureIssuedDate on the CD.
+
+1.0 Closing Information
+
+1.1 Date Issued
+
+04/18/2024
+
+c. Escrowed and Non-Escrowed First Year MI and Property Cost Data
+
+The borrower’s property taxes and mortgage insurance premiums are escrowed and cost $3,500 for the first year.
+
+Homeowners Insurance and Association Dues, at a yearly cost of $1,750, are not escrowed.
+
+Figure 55. Rendering Property Cost Data on the CD Escrow Account Table when EscrowIndicator = “true”.
+
+18.0 Escrow Account
+
+Escrow
+
+Escrowed Property Costs over Year 1
+
+18.2
+
+$3,500.00
+
+Non-Escrowed Property Costs over Year 1 18.3
+
+$1,750.00
+
+Estimated total amount over year 1 for
+your escrowed property costs:
+18.2.1
+
+Estimated total amount over year 1 for
+your non-escrowed property costs:
+18.3.1
+
+If the borrower instead had elected to decline an escrow account, both costs above are used to populate “Estimated
+Property Costs Over Year 1” under the “No Escrow” heading with a value of “5250.00”, the sum of all annual property costs
+
+UCD v2.0 Implementation Guide
+
+- 77 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+not being escrowed. If applicable, the ucd:FeeItemType value “EscrowWaiverFee” with the amount of the fee must also be
+delivered as paid by borrower at closing. See Escrow Payments at Closing Data for guidance on providing additional data
+points.
diff --git a/chunks/txt/be3a26c4c0d78690c9e404b05b0db88d44f4264a03cddfae5baf50fa819f14ec.txt b/chunks/txt/be3a26c4c0d78690c9e404b05b0db88d44f4264a03cddfae5baf50fa819f14ec.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cb43d70d9958f988a27befe59c73378ff72cc048
--- /dev/null
+++ b/chunks/txt/be3a26c4c0d78690c9e404b05b0db88d44f4264a03cddfae5baf50fa819f14ec.txt
@@ -0,0 +1,116 @@
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/INTERIOR_FEATURE[@_Type='Fl
+oors']/@_ConditionDescription
+
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/INTERIOR_FEATURE[@_Type='W
+alls']/@_ConditionDescription
+
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/INTERIOR_FEATURE[@_Type='Tri
+mAndFinish']/@_ConditionDescription
+
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/INTERIOR_FEATURE[@_Type='Ba
+throomFloors']/@_ConditionDescription
+
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/INTERIOR_FEATURE[@_Type='Ba
+throomWainscot']/@_ConditionDescription
+
+164
+
+IMPROVEMENTS
+
+Attic
+None
+
+Attic Exists Indicator
+
+Indicates that the structure has an
+attic.
+
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/ATTIC/@_ExistsIndicator
+
+165
+
+IMPROVEMENTS
+
+Attic
+Drop Stair
+
+Attic Feature Exists
+Indicator
+
+Indicates if the feature specified in
+Attic Feature Type is present in the
+structure.
+
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/ATTIC/ATTIC_FEATURE[@_Type
+='DropStair']/@_ExistsIndicator
+
+1
+
+1
+
+1
+
+25
+
+25
+
+25
+
+25
+
+25
+
+25
+
+25
+
+20
+
+20
+
+20
+
+20
+
+20
+
+1
+
+1
+
+Boolean
+
+A value of 'Y' indicates that an infestation exists, a value of 'N' indicates that
+the box has not been checked.
+
+Boolean
+
+A value of 'Y' indicates that dampness exists, a value of 'N' indicates that the
+box has not been checked.
+
+Boolean
+
+A value of 'Y' indicates that settlement exists, a value of 'N' indicates that the
+box has not been checked.
+
+String
+
+This field should contain a description of the materials and condition of the
+foundation walls.
+
+String
+
+This field should contain a description of the materials and condition of the
+exterior walls.
+
+String
+
+This field should contain a description of the materials and condition of the
+roof surface.
diff --git a/chunks/txt/be432163800070fb0360e202ed4d14b96d9e928177c16f528799ff1e5da61a5b.txt b/chunks/txt/be432163800070fb0360e202ed4d14b96d9e928177c16f528799ff1e5da61a5b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7bfffa18d435ed822bb98c9b4f8519ff5680d113
--- /dev/null
+++ b/chunks/txt/be432163800070fb0360e202ed4d14b96d9e928177c16f528799ff1e5da61a5b.txt
@@ -0,0 +1,37 @@
+• borrower(s) name, property address, effective date of the appraisal, appraiser name, and date of the
+
+ROV;
+identification and description of unsupported, inaccurate, or deficient areas in the appraisal report;
+additional data, information, or comparable properties, not to exceed the maximum of five;
+a definition of turn-time expectations for communicating ROV results;
+
+•
+•
+•
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 106 of 166
+
+UAD 3.6 Policy
+
+•
+
+•
+
+include instructions for delivering the ROV response as part of a revised appraisal report that includes
+commentary on conclusions in the Revision History regardless of the outcome; and
+a reference for appraisers on how to correct minor appraisal issues or non-material errors not related to
+the ROV process.
+
+ensure documentation related to the outcome of the ROV is retained in the loan file.
+
+If material deficiencies identified in the appraisal report are not corrected or addressed by the appraiser upon request, or if there
+is evidence of any unacceptable appraisal practices detailed in SB4-1.1-04, Unacceptable Appraisal Practices, the lender must
+forward the appraisal report and summary of findings to the appropriate appraisal licensing agency or regulatory board. The
+lender must also report suspected overt violations of anti-discrimination laws to the proper local, state, or federal agency. In the
+event of these occurrences, the lender may obtain a second or subsequent appraisal report.
+
+Note: After a loan has closed, an ROV request is no longer allowed to be submitted by the borrower.
+
+Fannie Mae’s Referrals to State Appraiser Boards
diff --git a/chunks/txt/be47c8fc911473f49501fbecb4ac1ba6cfd8a9ceca3022585f20c17f5d8ed1b7.txt b/chunks/txt/be47c8fc911473f49501fbecb4ac1ba6cfd8a9ceca3022585f20c17f5d8ed1b7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..69a03b263ecd549f2b2128dcb959547ef647e33a
--- /dev/null
+++ b/chunks/txt/be47c8fc911473f49501fbecb4ac1ba6cfd8a9ceca3022585f20c17f5d8ed1b7.txt
@@ -0,0 +1,245 @@
+BILLING CODE 8070–01–P
+
+VerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00051 Fmt 4703 Sfmt 4703 E:\FR\FM\15JYN1.SGM 15JYN1
+
+I
+
+S
+E
+C
+T
+O
+N
+h
+t
+i
+
+w
+D
+O
+R
+P
+1
+B
+6
+L
+C
+W
+H
+K
+S
+D
+n
+o
+
+n
+o
+s
+n
+b
+o
+r
+s
+
+i
+
+41190
+
+Federal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices
+
+I
+
+S
+E
+C
+T
+O
+N
+h
+t
+i
+
+w
+D
+O
+R
+P
+1
+B
+6
+L
+C
+W
+H
+K
+S
+D
+n
+o
+
+n
+o
+s
+n
+b
+o
+r
+s
+
+i
+
+VerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00052 Fmt 4703 Sfmt 4725 E:\FR\FM\15JYN1.SGM 15JYN1
+
+/
+
+>
+H
+P
+G
+<
+9
+0
+0
+.
+0
+1
+Y
+J
+5
+1
+N
+E
+
+Federal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices
+
+41191
+
+I
+
+S
+E
+C
+T
+O
+N
+h
+t
+i
+
+w
+D
+O
+R
+P
+1
+B
+6
+L
+C
+W
+H
+K
+S
+D
+n
+o
+
+n
+o
+s
+n
+b
+o
+r
+s
+
+i
+
+VerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00053 Fmt 4703 Sfmt 4725 E:\FR\FM\15JYN1.SGM 15JYN1
+
+/
+
+>
+H
+P
+G
+<
+0
+1
+0
+.
+0
+1
+Y
+J
+5
+1
+N
+E
+
+41192
+
+Federal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices
+
+I
+
+S
+E
+C
+T
+O
+N
+h
+t
+i
+
+w
+D
+O
+R
+P
+1
+B
+6
+L
+C
+W
+H
+K
+S
+D
+n
+o
+
+n
+o
+s
+n
+b
+o
+r
+s
+
+i
+
+VerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00054 Fmt 4703 Sfmt 4725 E:\FR\FM\15JYN1.SGM 15JYN1
+
+/
+
+>
+H
+P
+G
+<
+1
+1
+0
+.
+0
+1
+Y
+J
+5
+1
+N
+E
diff --git a/chunks/txt/be5712d3a00b253dc5a44c8b9800382e48b682ada28d502589f03e10bb3224c2.txt b/chunks/txt/be5712d3a00b253dc5a44c8b9800382e48b682ada28d502589f03e10bb3224c2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c20a951a5f80f9aa672cfee25cffea07b453062d
--- /dev/null
+++ b/chunks/txt/be5712d3a00b253dc5a44c8b9800382e48b682ada28d502589f03e10bb3224c2.txt
@@ -0,0 +1,5 @@
+Assignment Information Exhibits ............................................................................................................................................................................................. 103
+
+Assignment – Arcrole Relationships ......................................................................................................................................................................................... 103
+
+03 Subject Property ............................................................................................................................................................................................................................. 106
diff --git a/chunks/txt/be57de5c78f0500efbe895ff8a46539c9d8efee862e6e73d7addad5307f93d79.txt b/chunks/txt/be57de5c78f0500efbe895ff8a46539c9d8efee862e6e73d7addad5307f93d79.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ecf4aac207d22e5cf31814a582743f0dfb91bc11
--- /dev/null
+++ b/chunks/txt/be57de5c78f0500efbe895ff8a46539c9d8efee862e6e73d7addad5307f93d79.txt
@@ -0,0 +1,28 @@
+March 18, 2024
+
+## [Working Paper 24-03: The Lock-In Effect of Rising Mortgage Rates](/research/papers/wp2403)
+
+People can be “locked-in” or constrained in their ability to make appropriate financial changes, such as being unable to move homes, change jobs, sell stocks, rebalance portfolios, shift financial accounts, adjust insurance policies, transfer investment profits, or inherit wealth. These frictions...
+ - Staff Working Papers
+
+March 13, 2024
+
+## [Working Paper 24-02: Measuring Homeownership Sustainability for First-Time Homebuyers](/research/papers/wp2402)
+
+Homeownership is often expressed as a simple static number. Most reports or studies are unable to track a homeowner over time and they cannot follow a person after a home is sold to see what happens next. We craft new and dynamic statistics based on first-time homebuyers (FTHBs) using a nationally...
+ - [1](?category%5B961%5D=961&page=0)
+ - [2](?category%5B961%5D=961&page=1)
+ - [3](?category%5B961%5D=961&page=2)
+ - [4](?category%5B961%5D=961&page=3)
+ - [5](?category%5B961%5D=961&page=4)
+ - [6](?category%5B961%5D=961&page=5)
+ - [7](?category%5B961%5D=961&page=6)
+ - [8](?category%5B961%5D=961&page=7)
+ - [Next](?category%5B961%5D=961&page=1)
+ - [Last](?category%5B961%5D=961&page=7)
+
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
diff --git a/chunks/txt/be6bccd6b5856b056e26fe8f7bafeab7707037d9e9d48e34547c465bebd54f2f.txt b/chunks/txt/be6bccd6b5856b056e26fe8f7bafeab7707037d9e9d48e34547c465bebd54f2f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0742f070543c357ae7b5cb537a34c895fe687463
--- /dev/null
+++ b/chunks/txt/be6bccd6b5856b056e26fe8f7bafeab7707037d9e9d48e34547c465bebd54f2f.txt
@@ -0,0 +1,129 @@
+1. Integrated Disclosure
+
+1. Integrated Disclosure Subsection Type =
+
+Tolerance Cure
+Amount
+
+Subsection Type = "Lender
+Credits"
+
+2. Lender must provide a
+
+tolerance cure
+
+"Lender Credits"
+
+2. Lender must provide a tolerance cure
+3. Integrated Disclosure Subsection
+
+Payment Amount ≠ "0")
+
+Updated UCD Requirements for Phases 1 and 2 (different from UCD Specification v1.5)
+
+Phase UID
+
+Data Point +
+Enum
+
+Form Field
+Name / Context
+
+UCD v1.5 Specification
+
+Superseding CEM Requirement
+
+1
+
+1
+
+1
+
+4.039 Average Prime
+
+Offer Rate Percent
+
+12.004 APR Percent
+
+7.087 Regulation Z
+
+Excluded Bona
+Fide Discount
+Points Indicator
+
+1
+
+7.088 Regulation Z
+
+Excluded Bona
+Fide Discount
+Points Percent
+
+GSE – Reg Z /
+QM
+
+GSE Specific –
+Reg Z / QM
+
+GSE – Reg Z /
+QM
+
+Must exist for all loans
+
+Must exist for all loans
+
+Must exist for all loans
+
+GSE – Reg Z /
+QM
+
+Regulation Z Excluded Bona Fide
+Discount Points Indicator = "true"
+
+1. Must exist for all loans
+2. Must be greater than "0"
+
+1. Must exist for all loans
+2. Must be greater than "0"
+
+1. Must exist for all loans
+2. Fee Type = "Loan Discount
+
+Points"
+
+3. Fee Total Percent is greater
+
+than “0”
+
+1. Regulation Z Excluded Bona
+
+Fide Discount Points Indicator =
+"true"
+
+2. Fee Total Percent is greater
+
+than "0"
+
+1
+
+4.034 Regulation Z Total
+
+Loan Amount
+
+GSE – Reg Z /
+QM
+
+1. Must exist for all loans
+2. Must be > = “0”
+
+1. Must exist for all loans
+2. Must be greater than “0”
+
+© 2022 Freddie Mac and Fannie Mae. Trademarks are property of their respective owners.
+
+Confidential
+
+Fannie Mae Confidential
+
+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.
diff --git a/chunks/txt/be6f821c7e38ac4fd89c23534b23cdab41977dd3434c164af664c13977e38a1f.txt b/chunks/txt/be6f821c7e38ac4fd89c23534b23cdab41977dd3434c164af664c13977e38a1f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f73557dc0bce5586e6b21d7541d86d321b91e9b5
--- /dev/null
+++ b/chunks/txt/be6f821c7e38ac4fd89c23534b23cdab41977dd3434c164af664c13977e38a1f.txt
@@ -0,0 +1,88 @@
+Example
+
+Occurrences of PartyRoleType in XML
+
+[Role]/[Role] - Examples
+
+How to Display Subheading
+(2.010/2.011)
+
+Reference in This Chapter
+
+The lender is the client − PartyRoleType (UID: 2400.0018, FID: 2.010) = “Client”
+− PartyRoleType (UID: 2400.0017, FID: 2.011) = “Lender”
+
+Client/Lender
+
+The AMC is the client − PartyRoleType (UID: 2400.0018, FID: 2.010 = “Client”
+
+− PartyRoleType (UID: 2400.0017, FID: 2.011) = “ManagementCompany”
+
+Client/Appraisal Management
+Company
+
+Another entity -
+Attorney
+
+− PartyRoleType (UID: 2400.0018, FID: 2.010) = “Client”
+− PartyRoleType (UID: 2400.0017, FID: 2.011) = “Attorney”
+
+Client/Attorney
+
+Clients
+
+Clients
+
+Clients
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Example
+
+Occurrences of PartyRoleType in XML
+
+[Role]/[Role] - Examples
+
+How to Display Subheading
+(2.010/2.011)
+
+Reference in This Chapter
+
+Another entity -
+Investor
+
+− PartyRoleType (UID: 2400.0018, FID: 2.010) = “Client”
+− PartyRoleType (UID: 2400.0017, FID: 2.011) = “Investor”
+
+Client/Investor
+
+Clients
+
+Another entity - Client
+
+− PartyRoleType (UID: 2400.0018, FID: 2.010) = “Client”
+− PartyRoleType (UID: 2400.0017, FID: 2.011) = “Other”
+
+PartyRoleTypeOtherDescription (UID: 2400.0077, FID: 2.011)
+
+Client/[Other Description]
+
+Clients
+
+The AMC is not the
+client
+
+− PartyRoleType (FID: 2400.0300, UID: 2.010) = “ManagementCompany” Appraisal Management Company
+
+When Lender/AMC is not the
+Client
+
+Page 87
+
+Example showing Client/Lender and AMC
+In this example, credentials (licensing information) are reported for the AMC. (Figure 2 - 2)
+
+Figure 2 - 2
+
+Although the information is similar for clients and non-clients, the data points are different and clients require an additional PartyRoleType,
+therefore they are split out in this document.
diff --git a/chunks/txt/be75f75fe042be2e0377794d41f8679d1640c3497e7e57e96d8b4c16c3f63093.txt b/chunks/txt/be75f75fe042be2e0377794d41f8679d1640c3497e7e57e96d8b4c16c3f63093.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f098161b01d9ced8987dd152a27f4b702d3f2d27
--- /dev/null
+++ b/chunks/txt/be75f75fe042be2e0377794d41f8679d1640c3497e7e57e96d8b4c16c3f63093.txt
@@ -0,0 +1,140 @@
+String
+
+String
+
+String
+
+String
+
+String
+
+String
+
+CR
+
+CR
+
+CR
+
+CR
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+Form FNM 1075 FRE 466
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 133 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
+
+93
+
+1
+
+e-5
+
+PROJECT SITE
+
+View
+
+(Overall Rating)
+
+GSE View Overall
+Rating Type
+
+The overall rating of the view associated
+with the property.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_V
+IEW_OVERALL_RATING_EXTENSION/COMPARISON_VIEW_OVERALL_
+RATING_EXTENSION_SECTION[@ExtensionSectionOrganizationName='UNI
+FORM APPRAISAL
+DATASET']/COMPARISON_VIEW_OVERALL_RATING_EXTENSION_SEC
+TION_DATA/COMPARISON_VIEW_OVERALL_RATING/@GSEViewOveral
+lRatingType
+
+UAD Requirement - Refer to Appendix D Site Section
+The allowable values are listed below. When representing these values in the XML file,
+they must be shown exactly as they appear below:
+
+10
+
+Enumerated
+
+Allowable Values PDF Display
+Neutral N
+Beneficial B
+Adverse A
+
+This data is referenced more than once on the form for the subject property, and must
+be represented consistently.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+UAD Requirement - Refer to Appendix D Site Section
+The allowable values are listed below. When representing these values in the XML file,
+they must be shown exactly as they appear below:
+
+Data Field
+Conditionality
diff --git a/chunks/txt/be7e42f2762ac6351074ecfb0efcf9a3b045a08854b8fc316c759ab2eafaae6a.txt b/chunks/txt/be7e42f2762ac6351074ecfb0efcf9a3b045a08854b8fc316c759ab2eafaae6a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7578949d152e0ae45c05c0069e775dee6398adbc
--- /dev/null
+++ b/chunks/txt/be7e42f2762ac6351074ecfb0efcf9a3b045a08854b8fc316c759ab2eafaae6a.txt
@@ -0,0 +1,39 @@
+[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
+
+# FHFA Annual Performance Plan
+
+## Breadcrumb
+
+- [Home](/)
+ - [Reports](/reports)
+ - FHFA Annual Performance Plan
+
+Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP
diff --git a/chunks/txt/be950426913c101793998fc64fcd2aab88db117b70a7c00fa3c820fec428c7ee.txt b/chunks/txt/be950426913c101793998fc64fcd2aab88db117b70a7c00fa3c820fec428c7ee.txt
new file mode 100644
index 0000000000000000000000000000000000000000..aafafedc9171e4d4e6510f16bc2f0c504ba5147a
--- /dev/null
+++ b/chunks/txt/be950426913c101793998fc64fcd2aab88db117b70a7c00fa3c820fec428c7ee.txt
@@ -0,0 +1,141 @@
+Uniform Residential Appraisal Report
+
+Page 7 of 29
+Page 7 of 29
+
+Unit Interior - Building 1 - Unit 1
+
+Area Breakdown
+
+Finished Above Grade
+Unfinished Above Grade
+Finished Below Grade
+Unfinished Below Grade
+
+Area Data Source
+
+Level and Room Detail
+
+864 Sq. Ft.
+0 Sq. Ft.
+0 Sq. Ft.
+0 Sq. Ft.
+Assessor Record
+Physical Measurement
+
+Levels in Unit
+Occupancy
+Utilities Separately Metered
+Total Bedrooms
+Total Bathrooms - Full
+Total Bathrooms - Half
+
+1
+Tenant
+Yes
+2
+1
+0
+
+Level in Unit
+Level 1
+
+Grade Level Detail
+Above Grade
+
+Finish
+Finished
+
+Area
+864 Sq. Ft.
+
+Room Summary
+1 - Bath - Full
+2 - Bedroom
+1 - Kitchen
+1 - Living Room
+
+Quality and Condition
+
+Interior Quality Rating
+
+Q5
+
+Interior Condition Rating
+
+C4
+
+The tables below support the Interior Quality and Interior Condition ratings and reflect the market value condition of this report
+
+Kitchen and Bathroom Details
+
+Room
+Kitchen
+Level 1
+
+Bath - Full
+Level 1
+
+Update Status
+Not Updated
+
+Time Frame
+
+Partially Updated
+
+5–10 years
+
+Quality Comment
+The stove is fully
+functional but
+considered outdated,
+undersized and does
+not meet current
+standards in the market.
+
+Basic quality cabinetry
+and fixtures
+
+Condition Status
+Damaged and
+Functional
+
+Typical Wear and Tear
+
+Condition Comment
+Some cabinet hardware
+and cabinet fronts
+missing exhibiting
+moderate wear and
+tear.
+
+Newer laminate floor
+installed. Some cabinet
+hardware missing.
+
+Check #A
+
+Overall Update Status for
+Bathrooms
+
+Moderately Updated
+
+Interior Features
+
+Feature
+Flooring
+
+Walls and Ceiling
+
+Detail
+Carpet
+
+Laminate
+
+8 Ft. | Flat
+
+Quality Comment
+Commercial grade carpeting
+
+Condition Status
+New or Like New
diff --git a/chunks/txt/be9b270d181e1b3df3e20ba841fa86e9a1d67e42dd6036168699bc296c3c9811.txt b/chunks/txt/be9b270d181e1b3df3e20ba841fa86e9a1d67e42dd6036168699bc296c3c9811.txt
new file mode 100644
index 0000000000000000000000000000000000000000..20df6badb373c07da582823da0df3f0ef8caf09b
--- /dev/null
+++ b/chunks/txt/be9b270d181e1b3df3e20ba841fa86e9a1d67e42dd6036168699bc296c3c9811.txt
@@ -0,0 +1,3 @@
+© 2025 Fannie Mae 5.2.25
+
+2 of 2
diff --git a/chunks/txt/bea07da624f849fe222838354768960f03343595e97bf1e679dac67deac0c9b4.txt b/chunks/txt/bea07da624f849fe222838354768960f03343595e97bf1e679dac67deac0c9b4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e4aefd6829c9a588be36231e84e632eec85e9938
--- /dev/null
+++ b/chunks/txt/bea07da624f849fe222838354768960f03343595e97bf1e679dac67deac0c9b4.txt
@@ -0,0 +1,35 @@
+Noncontinuous Finished Area
+
+Above grade finished area(s), not designated as an accessory dwelling unit (ADU), and attached to the dwelling with
+no direct interior access. Example: Family room or other finished area attached to or above an attached garage that is
+only accessible through the garage.
+
+Outbuilding
+
+A building other than the dwelling (e.g., barn, shed, bunkhouse, or standalone ADU). A portion of the outbuilding may
+contain ADUs or other finished space. An ADU not attached to the residence is considered to be an outbuilding.
+
+Physical Measurement
+
+An onsite measurement to determine square footage of the subject improvements.
+
+Planned Unit Development
+(PUD)
+
+Property Data Report
+
+A subdivision that consists of common property and improvements that are owned and maintained by a homeowners
+association (HOA) for the benefit and use of the individual PUD unit owners. A unit owner in the PUD has title to a
+residential property (parcel and dwelling) and an interest in the HOA that owns or manages the common areas and
+facilities of the PUD.
+
+The accumulation of factual information collected from the observation of a residential property that is completed
+specifically for mortgage purposes, whether in the form of data or a report. This is limited to property characteristics
+and does not include opinions of value.
+
+Note: Tax records and MLS listings are data sources and do not constitute a property data report.
+
+Property Management Company
+
+A company contracted by the board of directors of a homeowners association (HOA) to manage maintenance and
+upkeep of the common elements in a PUD, condo, cooperative, or condop.
diff --git a/chunks/txt/bea90e410919ab7a2ce43bd8049b71288c1cc8c84df09dd470b5aabff644d75a.txt b/chunks/txt/bea90e410919ab7a2ce43bd8049b71288c1cc8c84df09dd470b5aabff644d75a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f65402d3b30529703e4edd7fcb5fe495c693fb41
--- /dev/null
+++ b/chunks/txt/bea90e410919ab7a2ce43bd8049b71288c1cc8c84df09dd470b5aabff644d75a.txt
@@ -0,0 +1,96 @@
+Detailed list of shared data
+elements, definitions, format,
+conditionality and cardinality
+GSE-specific:
+Conditionality
+Cardinality
+Valid values
+Loan delivery system screen names
+and mapping
+Usage guidance
+
+Information
+technology staff
+and project
+managers of large
+lenders and
+vendors
+
+Scope the project to create
+the XML import file
+Understand fundamental
+XML concepts underlying
+the new data set
+Understand the underlying
+MISMO data population
+
+Data architects and
+modelers
+Application
+developers
+
+Understand the scope of the
+data population
+Identify source systems
+Map internal data to new
+loan delivery data set
+
+Appendix B: Test Case
+Scenarios
+
+Appendix C: XML
+Samples
+
+The same narrative descriptions of
+various loan delivery transactions
+as the ULDDS, with tables
+illustrating how the scenarios would
+be communicated to the specific
+GSE using the GSE-specific loan
+delivery data set.
+
+Business
+stakeholders and
+analysts
+Technology
+stakeholders
+Project team
+members
+
+The representation of the MISMO
+data identified in the usage
+scenarios of Appendix B in working
+XML files
+
+Application
+developers
+
+Appendix D: XML Data
+Requirements
+Reference Tool
+
+An Excel version of the ULDDS
+data requirements, including a more
+easily understood rendering of the
+PARTY container requirements
+Business partners can cut and
+paste columns from either GSE’s
+version to perform comparisons
+
+Business
+stakeholders and
+analysts
+Project team
+members
+Developers
+
+Familiarize team members
+with MISMO data names,
+definitions, and usage
+
+Measure technical team’s
+understanding of how to
+create XML files using the
+new data set
+Template for actual loan
+delivery XML files
diff --git a/chunks/txt/beaac366e10b492233b692a984dc75881d18905096ebece047535ab1939e3953.txt b/chunks/txt/beaac366e10b492233b692a984dc75881d18905096ebece047535ab1939e3953.txt
new file mode 100644
index 0000000000000000000000000000000000000000..78e33e66304c16a2315a4f3c03132fc7c7d14277
--- /dev/null
+++ b/chunks/txt/beaac366e10b492233b692a984dc75881d18905096ebece047535ab1939e3953.txt
@@ -0,0 +1,77 @@
+5.6.3 Property Taxes must always be listed as the first item.
+
+5.6.4 Homeowners Insurance premiums and similar charges required by the creditor must always be listed as
+the second item.
+
+5.6.5 Other indicates one or more fees and special assessments imposed by a condominium, cooperative, or
+homeowner’s association, ground rent and leasehold payments.
+
+a. PROPERTY TAXES AND H OMEOWNERS I NSURANCE
+
+Figure 68 illustrates a loan which has only Property Taxes and Homeowners Insurance as additional payment
+components. The assumption is that each line item represents only one amount. There is no other property cost
+item so 5.6.5 Other remains blank.
+
+5.0 Projected Payments
+
+5.6 Estimated Taxes, Insurance
+& Assessments
+Amount can increase over time
+See page 4 for details
+
+This estimate includes
+5.6.3  Property Taxes
+5.6.4  Homeowners Insurance
+5.6.5  Other
+
+5.6.1 $356
+5.6.2 a month
+
+In escrow?
+YES
+NO
+
+See Escrow Account on page 4 for details. You must pay for other
+property costs separately.
+
+Figure 68. Property Taxes and Homeowner’s Insurance-One Cost Item Each
+
+The following table provides the supporting UCD data points. ESTIMATED_PROPERTY_COST_COMPONENT
+repeats once for each property cost component.
+
+Table 85. Property Taxes and Homeowner’s Insurance-One Cost Item Each
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point
+
+MISMO v3.3.0
+Value
+
+Notes
+
+First instance of ESTIMATED_PROPERTY_COST_COMPONENT
+
+5.6.3
+
+This estimate
+includes: 
+Property Taxes
+
+5.6.3
+
+In escrow?
+
+…/ESTIMATED_PRO
+PERTY_COST/ESTI
+MATED_PROPERTY
+_COST_COMPONE
+NTS/ESTIMATED_P
+ROPERTY_COST_C
+OMPONENT
diff --git a/chunks/txt/beaae3ebe380201fc2435becc99cf3ceef155a31399a4c0de58f50ddc8010fa9.txt b/chunks/txt/beaae3ebe380201fc2435becc99cf3ceef155a31399a4c0de58f50ddc8010fa9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5492e0cd6273865bc7e6e17164b84a1e62b618fa
--- /dev/null
+++ b/chunks/txt/beaae3ebe380201fc2435becc99cf3ceef155a31399a4c0de58f50ddc8010fa9.txt
@@ -0,0 +1,124 @@
+This is where the Subject Property photo would display.
+
+Apparent Defects, Damages, Deficiencies Requiring Action
+
+There are no apparent defects, damages, or deficiencies requiring action. For details, reference the ‘Reconciliation’ section.
+
+Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 2 of 30
+Page 2 of 30
+
+page break
+
+before
+
+Assignment Information
+
+Assignment Reason
+Borrower Name
+
+Refinance
+Harry James
+Jennifer James
+
+Current Owner of Public Record Harry James
+
+Property Valuation Method
+
+Traditional Appraisal
+
+Was a Property Data Report used in lieu of an
+Inspection?
+
+Yes No
+ 
+
+Jennifer Jones
+
+Appraiser Fee
+
+$0
+
+Contact Information
+
+Client/Lender
+
+Company Name
+Company Address
+
+Appraiser
+
+Name
+Company Name
+Company Address
+
+XYZ Lending Inc.
+239 Spooky St
+Anytown, VA 20141
+
+Annie Appraiser
+Overall Appraisal Services
+123 Diagonal St
+Anytown, VA 20141
+
+Scope of Inspection by Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date
+
+Physical
+Physical
+09/25/2019
+
+Supervisory Appraiser
+
+Name
+Company Name
+Company Address
+
+Arthur Appraiser
+Overall Appraisal Services
+123 Diagonal St
+Anytown, VA 20141
+
+Scope of Inspection by Supervisory Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+
+No Inspection
+No Inspection
+
+Credentials
+
+Level
+ID
+State
+Expires
+
+Credentials
+
+Level
+ID
+State
+Expires
+
+Licensed Residential
+9898989898-000034
+VA
+01/31/2020
+
+Certified Residential
+9898989898-000299
+VA
+02/28/2020
+
+Assignment Information and Scope of Work Commentary
diff --git a/chunks/txt/beb4650095beb9fba296cdf1f29f943e6b4968c36b7614977a6e87d5f95a1ddc.txt b/chunks/txt/beb4650095beb9fba296cdf1f29f943e6b4968c36b7614977a6e87d5f95a1ddc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..675470fca6c4e1421c89007b077998c33f09bfda
--- /dev/null
+++ b/chunks/txt/beb4650095beb9fba296cdf1f29f943e6b4968c36b7614977a6e87d5f95a1ddc.txt
@@ -0,0 +1,67 @@
+o Comps 1, 2, 5, 8, and 9 are used for both subject property units
+
+▪ Comps 3 and 6 are only used for Unit 1
+▪ Comps 4 and 7 are only used for Unit 2.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Figure 23 - 5
+
+Page 312
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Heading at the top of each Comparable Rental Analysis
+
+The heading at the top of each rental comparison grid provides context as to the subject property unit and its associated rental comparable
+units.
+
+Page 313
+
+Rental Information: Comparable Rental Analysis – Column Heading at the top of each Rental Comparison Grid
+
+Report Label
+
+Unique ID MISMO Data Point Name
+
+Display Rules
+
+Report
+Field ID
+23.03.01
+
+Subject
+
+0700.0114
+
+UnitIdentifier
+
+23.03.24
+
+#
+
+2000.0078
+
+PropertyOrdinalNumber
+
+Rows in Comparable Rental Analysis
+
+If populated, redisplays from 23.01.01, 23.01.12, and 23.01.19.
+For each rental comparable being compared to the subject unit, redisplays
+from 23.02.02. Display comparables in numerical order, left to right.
+
+Reference “Supplement – Approaches to Value Grids” spreadsheet for more information.
+
+Comparison to Subject Unit
+
+Some features (rows) in Comparable Rental Analysis require a comparison to the subject unit (Similar, Superior, Inferior) instead of
+reporting the specific characteristics of the comparable unit. (Figure 23 - 3) These are noted in “Supplement – Approaches to Value
+Grids”, (Rental Comp Grid tab), with a checkmark in column G.
+
+• Project Common Amenities/Services
+• Site Influence
+• View from Unit
+• Vehicle Storage | Spaces
+• Overall Comparison to Subject
+
+Appendix B-1: URAR Implementation Guide v1.3
diff --git a/chunks/txt/beb89638cb329c6d2ee10619a21a1312df7c8d7194386dafb001ad5a1aca608f.txt b/chunks/txt/beb89638cb329c6d2ee10619a21a1312df7c8d7194386dafb001ad5a1aca608f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bc668b3466a43be1db99ae1d1bddb495f25c6bb7
--- /dev/null
+++ b/chunks/txt/beb89638cb329c6d2ee10619a21a1312df7c8d7194386dafb001ad5a1aca608f.txt
@@ -0,0 +1,51 @@
+The following table summarizes some of the specific underwriting criteria that must be applied depending on the details of any
+non-mortgage financing for the solar panels.
+
+If the solar panels are...
+
+Then the lender must...
+
+Financed and collateralized -- the solar panels are
+collateral for the separate debt used to purchase the
+panels, but they are a fixture to the real estate because a
+UCC fixture filing* has been filed for the panels in the real
+estate records
+
+Financed and collateralized -- the solar panels are
+reported to be collateral for separate (non-mortgage) debt
+used to purchase the panels, but do not appear on the title
+report
+
+• Obtain and review the credit report, title report,
+appraisal report, and/or UCC fixture filing*,
+related promissory note and related security
+agreement that reflect the terms of the secured
+loan;
+
+•
+
+Include the debt obligation in the DTI ratio
+calculation;
+
+• Provided that the panels cannot be repossessed
+for default on the financing terms, instruct the
+appraiser to consider the solar panels in the value
+of the property (based on standard appraisal
+requirements); and
+
+•
+
+Include the solar panels in other debt secured by
+the real estate in the CLTV ratio calculation
+because a UCC fixture filing* is of record in the
+land records.
+
+Note: If a UCC fixture filing* is in the land records as a
+priority senior to the mortgage loan, it must be
+subordinated.
+
+• Obtain and review documentation sufficient to
+confirm the terms of the secured loan (such as
+copies of the credit report, title report, any UCC
+financing statement, related promissory note or
+related security agreement);
diff --git a/chunks/txt/beb9f57807fe81983fb55e6044c6fe494b6335d90784ead5bf06fc1749634cb8.txt b/chunks/txt/beb9f57807fe81983fb55e6044c6fe494b6335d90784ead5bf06fc1749634cb8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7bf8bf539eae059262eb68da75e7e5a668f608e6
--- /dev/null
+++ b/chunks/txt/beb9f57807fe81983fb55e6044c6fe494b6335d90784ead5bf06fc1749634cb8.txt
@@ -0,0 +1,48 @@
+2024-045 Clarified that more than one Amenity Feature (22.12.03, 22.12.10) may be selected.
+
+2024-025
+
+Updated the ‘Definition / Additional Guidance’ column for Dedicated Parking Spaces and Vehicle Storage Area (22.13.01,
+22.13.05).
+
+2024-026 Clarified the meaning of “If Applicable” vs. “If Relevant” rows in How Rows Display in the Rental Comparison Grid.
+
+2024-026 Clarified the meaning of “If Applicable” vs. “If Relevant” rows in How Rows Display in the GRM Comparison Grid.
+
+2024-030
+
+Clarified that the appraiser must provide Gross Building Finished Area for the subject property (24.003) if the row is
+included in the GRM comp grid.
+
+22 Sales
+Comparison
+Approach
+
+23 Rental
+Information
+
+24 Income
+Approach
+
+25 Cost Approach 2024-022 Clarified the ‘Definition / Additional Guidance’ column for Cost Service Provider (25.052) to align with UAD Spec.
+
+2024-006 Deleted ‘Relocation’ from Examples: Client Requested Conditions.
+
+26 Reconciliation
+
+2024-021
+
+Updated allowable answers for Market Value Condition (26.009), deleted Final Value Condition Description (26.013), and
+updated the ‘Definition / Additional Guidance’ column for Final Value Condition Statement (26.013).
+Updated allowable answers for Value Condition (26.014) and updated Examples: Client Requested Conditions.
+Updated the ‘When to Include’ and ‘Definition / Additional Guidance’ column for As Is Overall Condition Rating (26.071).
+
+27 Revision
+History
+
+Appendix 1:
+Glossary
+
+2024-043 Added the Reconsideration of Value subsection (27.003-27.006) and updated Revision History guidance and Examples.
+
+2024-021 Updated allowable answers for Market Value Condition.
diff --git a/chunks/txt/bec6ba42f5e70d51ef8886e2f6c6e952644e727de76d17078ab76afeb66b7f72.txt b/chunks/txt/bec6ba42f5e70d51ef8886e2f6c6e952644e727de76d17078ab76afeb66b7f72.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ca0bcc0151d21bb227c78e292165afb6ee57a007
--- /dev/null
+++ b/chunks/txt/bec6ba42f5e70d51ef8886e2f6c6e952644e727de76d17078ab76afeb66b7f72.txt
@@ -0,0 +1,138 @@
+Yes No
+ 
+
+This is where the Dwelling Front photo would display.
+
+Units Excluding ADUs
+Accessory Dwelling Units
+Property Rights Appraised
+
+1
+1
+Fee Simple
+
+Is the highest and best use of the subject property as
+improved (or as proposed per plans and specifications)
+the present use?
+
+Zoning Compliance
+
+Legal
+
+Apparent Defects, Damages, Deficiencies Requiring Action
+
+None
+
+Appraisal Version #1Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201
+
+Uniform Residential Appraisal Report
+
+Page 2 of 23
+
+NEW PG!
+
+Assignment Information
+
+Assignment Reason
+Borrower Name
+
+Seller Name
+Current Owner of Public Record
+
+Purchase
+Bob Borrower
+Betty Borrower
+Jane Doe
+Jane Doe
+
+Property Valuation Method
+
+Traditional Appraisal
+
+Was a Property Data Report used in lieu of an
+Inspection?
+
+Appraiser Fee
+
+$0
+
+Yes No
+ 
+
+Contact Information
+
+Client/Lender
+
+Company Name
+Company Address
+
+Appraisal Management Company
+
+Company Name
+
+Company Address
+
+Appraiser
+
+Name
+Company Name
+Company Address
+
+Empty Bank
+200 Tree St
+Somewhere, VA 12346
+
+IDK Appraisal Management
+Company
+300 Main Ave
+Somewhere, VA 12345
+
+Agatha Appraiser
+XYZ Appraisals
+123 Main St
+Nowhere, VA 12345
+
+Scope of Inspection by Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date
+
+Physical
+Physical
+09/08/2019
+
+Assignment Information Exhibits
+
+Appraiser’s License
+
+Credentials
+
+ID
+State
+Expires
+
+Credentials
+
+Level
+ID
+State
+Expires
+
+5419-2123.4
+VA
+04/30/2020
+
+Certified Residential
+XYZ12345
+VA
+12/31/2019
+
+Subject Property
+
+Physical Address
+
+County
+Neighborhood Name
diff --git a/chunks/txt/bec95579fcceca072848e66b40b1020e1ec08266b1b8841350609ac537bd935a.txt b/chunks/txt/bec95579fcceca072848e66b40b1020e1ec08266b1b8841350609ac537bd935a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e5830e0825f0f3940e11be5b7a913abb3db9e903
--- /dev/null
+++ b/chunks/txt/bec95579fcceca072848e66b40b1020e1ec08266b1b8841350609ac537bd935a.txt
@@ -0,0 +1,78 @@
+Enumerated
+
+UAD Requirement - Refer to Appendix D Neighborhood Section
+
+Enumerated
+
+UAD Requirement - Refer to Appendix D Neighborhood Section
+
+Enumerated
+
+UAD Requirement - Refer to Appendix D Neighborhood Section
+
+One and only one of fields 1-65, 1-66, 1-67
+(values of Neighborhood Demand and
+Supply Type) must be indicated.
+One and only one of fields 1-68, 1-69, 1-70
+(values of Neighborhood Typical Marketing
+Time Duration Type) must be indicated.
+One and only one of fields 1-68, 1-69, 1-70
+(values of Neighborhood Typical Marketing
+Time Duration Type) must be indicated.
+One and only one of fields 1-68, 1-69, 1-70
+(values of Neighborhood Typical Marketing
+Time Duration Type) must be indicated.
+
+Money
+
+Whole dollars only.
+
+Money
+
+Whole dollars only.
+
+Money
+
+Whole dollars only.
+
+Numeric
+
+Whole numbers only.
+
+Numeric
+
+Whole numbers only.
+
+Numeric
+
+Whole numbers only.
+
+Numeric
+
+In percentage points (e.g. a value of 25 represents 25%)
+
+Numeric
+
+In percentage points (e.g. a value of 25 represents 25%)
+
+Numeric
+
+In percentage points (e.g. a value of 25 represents 25%)
+
+Numeric
+
+In percentage points (e.g. a value of 25 represents 25%)
+
+Numeric
+
+In percentage points (e.g. a value of 25 represents 25%)
+
+UAD Instruction - Refer to Appendix D Neighborhood Section
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
diff --git a/chunks/txt/becba9f8be1d0a3fb739a10fd4b9c584024e755b4b2a9ad999804296416205e9.txt b/chunks/txt/becba9f8be1d0a3fb739a10fd4b9c584024e755b4b2a9ad999804296416205e9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fe3b131ce688b3ece0bc94a9d62d6ed7e54e012e
--- /dev/null
+++ b/chunks/txt/becba9f8be1d0a3fb739a10fd4b9c584024e755b4b2a9ad999804296416205e9.txt
@@ -0,0 +1,105 @@
+555
+
+0 -250,000
+
+250,000 -54,000 -25,500 -16,912 -7,260
+
+0
+
+7,200 18,930 30,000
+
+66,924
+
+average_adjustment
+
+1,481,842
+
+-551
+
+-975 -250,000
+
+250,000 -52,500 -24,819 -16,675 -7,667
+
+-975
+
+5,990 16,105 25,433
+
+57,000
+
+adjusted_price
+
+1,481,805 370,238 325,000
+
+5,000 1,705,000 75,000 125,000 155,000 215,000 325,000 465,000 645,000 725,000 1,285,000
+
+value_sale_comparison 1,481,831 369,933 325,000
+
+5,000 1,705,000 75,000 125,000 155,000 215,000 325,000 465,000 645,000 725,000 1,275,000
+
+value_cost
+
+1,084,631 383,794 335,000
+
+5,000 1,705,000 35,000 115,000 155,000 225,000 335,000 485,000 675,000 765,000 1,355,000
+
+value_income
+
+34,210 292,196 235,000
+
+5,000 1,705,000 45,000 75,000 105,000 155,000 235,000 365,000 555,000 705,000 1,055,000
+
+same_tract_percent
+
+1,471,865
+
+66
+
+75
+
+0
+
+100
+
+0
+
+0
+
+17
+
+40
+
+75
+
+100
+
+100
+
+100
+
+100
+
+N
+
+Mean Median Min
+
+Max
+
+P1
+
+P5
+
+P10 P25 P50 P75 P90 P95
+
+P99
+
+calculated_proximity
+
+1,475,704 1.27
+
+0.55 0.00 10.00 0.07 0.14 0.19 0.31 0.55 1.17 3.22 5.76 10.00
+
+reported_proximity
+
+1,480,808 1.28
+
+0.55 0.00 10.00 0.07 0.14 0.19 0.32 0.55 1.18 3.26 5.82 10.00
diff --git a/chunks/txt/beceb159015b8f1eef53f4958fd63f80858ff438d472c092f631fe4799c30858.txt b/chunks/txt/beceb159015b8f1eef53f4958fd63f80858ff438d472c092f631fe4799c30858.txt
new file mode 100644
index 0000000000000000000000000000000000000000..431b7a06eabec088c61d263d6d990836eea6d0a2
--- /dev/null
+++ b/chunks/txt/beceb159015b8f1eef53f4958fd63f80858ff438d472c092f631fe4799c30858.txt
@@ -0,0 +1,50 @@
+Since the Enterprises have been
+
+collecting and reporting rate spread data
+for single-family mortgages, FHFA is
+requiring the Enterprises to continue
+reporting that data, which will be
+included in new data field 56 in the
+single-family Census Tract File.
+For 2008, HMDA requires the
+
+reporting of values for rate spread of 3.0
+and greater for first liens, and 5.0 and
+greater for subordinate liens. For 2009
+and subsequent years, HMDA requires
+the reporting of values for rate spread of
+1.5 and 3.5, respectively. Values below
+these thresholds, including values that
+would be identified as ‘‘not applicable,’’
+will be reported as a numeric zero (‘‘0’’)
+because the PUDB is released as a
+numeric-only database.
+
+b. Single-Family Data field 57: HOEPA
+Status
+
+This new data field designates
+
+whether a single-family loan acquired
+by the Enterprise is subject to HOEPA,
+as implemented in Regulation Z, 12 CFR
+226.32, because the APR or the points
+and fees on the loan exceed the HOEPA
+triggers.5 The Enterprises have been
+collecting and reporting the HOEPA
+status of single-family loans to FHFA,
+but this data was not previously
+included in the PUDB. Fannie Mae
+commented that, under its business
+policies, single-family mortgages that
+are subject to HOEPA are not eligible for
+sale to Fannie Mae. However, such
+loans can be purchased inadvertently by
+the Enterprises. Freddie Mac did not
+
+5 HOEPA applies to a ‘‘consumer credit
+transaction that is secured by the consumer’s
+principal dwelling’’ in which either the APR, or the
+total points and fees payable by the consumer at or
+before loan closing, exceed certain specified
+amounts.
diff --git a/chunks/txt/beeeebcbe8a645e8e99da449a5c682b02b7c554bd929d61db6d58809ceaa5d89.txt b/chunks/txt/beeeebcbe8a645e8e99da449a5c682b02b7c554bd929d61db6d58809ceaa5d89.txt
new file mode 100644
index 0000000000000000000000000000000000000000..963462d872d185147432d14e1f62479b39055361
--- /dev/null
+++ b/chunks/txt/beeeebcbe8a645e8e99da449a5c682b02b7c554bd929d61db6d58809ceaa5d89.txt
@@ -0,0 +1,77 @@
+Uniform Appraisal Dataset (UAD) Specification
+Issued by Fannie Mae and Freddie Mac
+Condition and Quality Rating Definitions
+Document Version 1.0
+April 29, 2025
+
+This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the
+Federal Housing Finance Agency.
+© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.
+
+Revision History
+
+Date
+
+Version # Description
+
+4/29/2025
+
+1.0
+
+This document is a copy of the UAD 3.6 Condition and Quality Ratings, as
+published in Appendix F-1: URAR Reference Guide on March 29, 2023.
+
+Uniform Appraisal Dataset
+
+Condition and Quality Rating Definitions
+
+Condition Rating Definitions
+
+Condition Ratings describe the physical condition of a property as of the effective date of the appraisal on an
+absolute basis, not on a relative basis or how a property relates to other properties.
+
+Condition Rating definitions are used for Overall Condition, Exterior Condition, and Interior Condition.
+
+Rating
+
+Condition Rating Definition
+
+Criteria
+
+Condition Rating Definitions
+
+C1
+
+C2
+
+C3
+
+C4
+
+C5
+
+C6
+
+The dwelling is 100% newly constructed,
+completed within the past 12 months, has never
+been occupied, and exhibits no signs of wear or
+use.
+
+A dwelling in C1 condition:
+
+ May include non‐structural components composed of “like new” recycled materials (e.g.,
+
+Has a foundation that must be 100% original to the new construction.
+
+reconditioned or refinished barn wood).
+Is a 100% newly constructed dwelling that does not exhibit physical depreciation.
+
+
+
+The dwelling exhibits like‐new condition. It has
+been recently constructed or entirely remodeled
+within 36 months prior to the appraisal date,
+while retaining portions of the pre‐existing
+structure. The dwelling may have been occupied
+but features no deferred maintenance and
+requires no repair.
diff --git a/chunks/txt/bef72dc7edcd02d85503ab7f5e09e5b690b21a75909f1c7c4fdacee352b833b8.txt b/chunks/txt/bef72dc7edcd02d85503ab7f5e09e5b690b21a75909f1c7c4fdacee352b833b8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b943e7f0cecef1f1c78e774cfebc184347c727c4
--- /dev/null
+++ b/chunks/txt/bef72dc7edcd02d85503ab7f5e09e5b690b21a75909f1c7c4fdacee352b833b8.txt
@@ -0,0 +1,142 @@
+Header Name
+
+Field Name
+
+Values
+
+Description / Comments
+
+Federal Housing
+Finance Agency
+
+Field # Field
+Width
+1
+
+31
+
+sex_borr
+
+Borrower Sex
+
+32
+
+1
+
+sex_coborr
+
+Co-Borrower Sex
+
+33
+
+1
+
+age_borr_cat
+
+Age of Borrower
+
+1 = Male
+2 = Female
+3 = Information is not provided by the
+borrower in a mail or telephone
+application
+4 = Not applicable
+9 = Not available
+1 = Male
+2 = Female
+3 = Information is not provided by the
+co-borrower in a mail or telephone
+application
+4 = Not applicable
+5 = No co-borrower
+9 = Not available
+1 = Under 25 years old
+2 = 25 to 34 years old
+3 = 35 to 44 years old
+4 = 45 to 54 years old
+5 = 55 to 64 years old
+6 = 65 to 74 years old
+7 = Over 74 years old
+9 = Data not provided
+
+Bucketing aligns with the disclosure of
+Borrower Age in the public HMDA dataset to
+conform with CFPB Privacy Guidance.
+
+SF CTF
+
+25
+
+Enterprise Public Use Database Data Dictionary
+Data Release of 2024 Acquisitions
+
+Single-Family Properties
+Census Tract File
+
+Header Name
+
+Field Name
+
+Values
+
+Description / Comments
+
+Federal Housing
+Finance Agency
+
+Field # Field
+Width
+1
+
+34
+
+age_coborr_cat
+
+Age of Co-Borrower
+
+35
+
+1
+
+occupancy_sf_ctf
+
+Occupancy Code
+
+36
+
+5
+
+rate_spread
+
+Rate Spread
+
+37
+
+1
+
+hoepa
+
+HOEPA Status
+
+1 = Under 25 years old
+2 = 25 to 34 years old
+3 = 35 to 44 years old
+4 = 45 to 54 years old
+5 = 55 to 64 years old
+6 = 65 to 74 years old
+7 = Over 74 years old
+9 = Data not provided/no co-borrower
+
+1 = Principal Residence/Owner-
+Occupied property
+2 = Second Home
+3 = Investment property
+9 = Not Available
+0 = Not applicable, not reported, or <
+1.50 if a first lien (or < 3.50 if a
+subordinate lien)
+Actual values >= 1.50 (or >= 3.50
+respectively)
+Example of data format: 3.10 = APR is
+3.10 percent above the applicable
+Average Prime Offer Rate (APOR).
diff --git a/chunks/txt/bf08d4526c9a77fa50029dfc4772901dd0137876aa326eaf40c55c0e8c391d80.txt b/chunks/txt/bf08d4526c9a77fa50029dfc4772901dd0137876aa326eaf40c55c0e8c391d80.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4b8302950c45c33fe943896bbc74bb9a4d7d301c
--- /dev/null
+++ b/chunks/txt/bf08d4526c9a77fa50029dfc4772901dd0137876aa326eaf40c55c0e8c391d80.txt
@@ -0,0 +1,107 @@
+PROJECT
+INFORMATION
+
+Management Group
+Homeowners' Association
+
+Project Management
+Type
+
+Identifies type of management associated
+with the project.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ManagementType='Ho
+meownersAssociation']
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+17
+
+17
+
+17
+
+1
+
+1
+
+51
+
+Numeric
+
+Whole numbers only.
+
+Numeric
+
+Whole numbers only.
+
+Numeric
+
+Whole numbers only.
+
+Numeric
+
+Whole numbers only.
+
+Numeric
+
+Whole numbers only.
+
+Numeric
+
+Whole numbers only.
+
+Enumerated
+
+Enumerated
+
+Enumerated
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Project Information Section
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Project Information Section
+
+Enumerated
+
+This field should be indicated only if HOA is checked.
+
+Either all of fields 1-158, 1-159, 1-160, 1-
+161, 1-162, 1-163 (Development Stage Type
+= 'Complete') or all of fields 1-164, 1-165, 1-
+166, 1-167, 1-168, 1-169 (Development
+Stage Type = 'Incomplete') should be
+populated. One and only one of these two
+sets of fields should be populated, and the
+other set of fields should be left blank.
+
+Either all of fields 1-158, 1-159, 1-160, 1-
+161, 1-162, 1-163 (Development Stage Type
+= 'Complete') or all of fields 1-164, 1-165, 1-
+166, 1-167, 1-168, 1-169 (Development
+Stage Type = 'Incomplete') should be
+populated. One and only one of these two
+sets of fields should be populated, and the
+other set of fields should be left blank.
+
+Either all of fields 1-158, 1-159, 1-160, 1-
+161, 1-162, 1-163 (Development Stage Type
+= 'Complete') or all of fields 1-164, 1-165, 1-
+166, 1-167, 1-168, 1-169 (Development
+Stage Type = 'Incomplete') should be
+populated. One and only one of these two
+sets of fields should be populated, and the
+other set of fields should be left blank.
diff --git a/chunks/txt/bf10c6b8462624e70296c755bcd3ced3e3856378df6fa3af437001ec0998b415.txt b/chunks/txt/bf10c6b8462624e70296c755bcd3ced3e3856378df6fa3af437001ec0998b415.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d55397130f32ecb420f237ce53cb6041eeda4340
--- /dev/null
+++ b/chunks/txt/bf10c6b8462624e70296c755bcd3ced3e3856378df6fa3af437001ec0998b415.txt
@@ -0,0 +1,51 @@
+o For the Subject [Unit Identifier] column, information that is never applicable is grayed out using
+10% black tint: “Proximity to Subject,” “Overall Comparison to Subject,” “Adjusted Rent,”
+“Comparable Weight”.
+
+o For the Comparables columns, information that is never applicable is grayed out using 10% black
+
+tint: “Opinion of Market Rent”.
+
+Appendix E: Report Style Guide
+
+Page 67 of 90
+
+Version 1.4
+
+COMPARABLE RENTAL ANALYSIS TABLE
+
+ALTERNATE LAYOUT – COMPARABLE RENTAL ANALYSIS TABLE
+
+• First column: “Proximity to Subject,” “Neighborhood Name,” “Project Name,” “Project Common
+
+Amenities/Services,” “Site Influence,” “View from Unit,” “Floor Number,” “Site Size ,” “Grade Level,”
+“Interior Condition,” “Bedrooms,” “Baths - Full | Half,” “Finished Area,” “Furnished,” “Utilities/Services
+Included,” “Rent Control,” “Rent Concessions,” “Vehicle Storage | Spaces”, “[Additional Row]” set as TB
+
+• First column continues: “Summary” sets as TB-SCA_H2; followed by “Rent Per Finished Area,” “Actual
+Rent,” “Overall Comparison to Subject,” “Adjusted Rent,” “Opinion of Market Rent,” “Comparable
+Weight” set as TB-B
+
+Rental Analysis Commentary (H1)
+
+Set Commentary as TXC x 45 picas.
+
+Rental Information Exhibits (H1)
+
+Subsection does not display if there are no exhibits.
+
+Appendix E: Report Style Guide
+
+Page 68 of 90
+
+Version 1.4
+
+“Income Approach” sets as TAB.
+
+Gross Rent Multiplier Comparables (H1)
+
+Gross Rent Multiplier Comparables table
+
+• Table sets 5 equal columns x 45 picas. Grid cannot break from page to page. If there are more
+than 3 Comparables, and second grid cannot fit on the same page as the first, the second grid
+can appear on the next page.
diff --git a/chunks/txt/bf129ff6b2492e18d8e55a0f9fdfc338f3a7725e4d6a726800a67296c7294fdb.txt b/chunks/txt/bf129ff6b2492e18d8e55a0f9fdfc338f3a7725e4d6a726800a67296c7294fdb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7e6eaa8a97f2b50c75c0a31e64ec453682a86e4f
--- /dev/null
+++ b/chunks/txt/bf129ff6b2492e18d8e55a0f9fdfc338f3a7725e4d6a726800a67296c7294fdb.txt
@@ -0,0 +1,16 @@
+- [Notice of Order No. 2020–N–11](https://www.govinfo.gov/content/pkg/FR-2020-06-03/pdf/2020-11819.pdf)
+- [Notice of Order No. 2011–N–11](https://www.govinfo.gov/content/pkg/FR-2011-09-28/pdf/2011-24791.pdf)
+- [Notice of Order No. 2010–N–10](https://www.govinfo.gov/content/pkg/FR-2010-07-15/pdf/2010-17119.pdf)
+- [Privacy and Proprietary Determination Matrices](/sites/default/files/2024-01/PUDB-Matrices_05-27-2020.xlsx)
+**Contact**
+
+If you have any questions or comments about the data or documents, please email [PUDBdata@fhfa.gov](mailto:pudbdata@fhfa.gov).
+
+**2024 Enterprise PUDB Data** Format **Single-Family National File A**:
+Mortgage-Level File for Owner-Occupied 1-Unit Properties [[.csv]](/document/2024_pudb_sf_nfa.zip) [[.txt]](/document/2024_enterprise_sf_nfa.zip) **Single-Family National File B**:
+Unit-Level File for All Single-Family (1-4 Unit) Properties, including Renter-Occupied 1-Unit Properties [[.csv]](/document/2024_pudb_sf_nfb.zip) [[.txt]](/document/2024_enterprise_sf_nfb.zip) **Single-Family National File C**:
+Mortgage-Level File for Properties with High-Cost Single-Family Mortgages Purchased and Securitized by the Enterprises [[.csv]](/document/2024_pudb_sf_nfc.zip) [[.txt]](/document/2024_enterprise_sf_nfc.zip) **Single-Family Census Tract File**:
+Mortgage-Level File for All Single-Family (1-4 Unit) Properties [[.csv]](/document/2024_pudb_sf_ctf.zip) [[.txt]](/document/2024_enterprise_sf_ctf.zip) **Multifamily National File P**:
+Property-Level File for All Multifamily Properties [[.csv]](/document/2024_pudb_mf_nfp.zip) [[.txt]](/document/2024_enterprise_mf_nfp.zip) **Multifamily National File U**:
+Unit-Class-Level File for All Multifamily Property Unit Classes [[.csv]](/document/2024_pudb_mf_nfu.zip) [[.txt]](/document/2024_enterprise_mf_nfu.zip) **Multifamily Census Tract File**:
+Property-Level File for All Multifamily Properties [[.csv]](/document/2024_pudb_mf_ctf.zip) [[.txt]](/document/2024_enterprise_mf_ctf.zip)
diff --git a/chunks/txt/bf12dc55debf7f94babb7aa9d6601b8399030f5e3bb7e2e22f41b0389b91325d.txt b/chunks/txt/bf12dc55debf7f94babb7aa9d6601b8399030f5e3bb7e2e22f41b0389b91325d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c1dd414a4bcacba8c08e8575aff8015e019d937b
--- /dev/null
+++ b/chunks/txt/bf12dc55debf7f94babb7aa9d6601b8399030f5e3bb7e2e22f41b0389b91325d.txt
@@ -0,0 +1,85 @@
+Credentials
+
+Level
+ID
+State
+Expires
+
+12345
+IL
+10/31/2020
+
+Certified Residential
+5555-2222
+IL
+06/30/2020
+
+The client has requested a desktop appraisal which requires no inspection of the subject property from the appraiser. All information
+regarding the quality and condition of the property will be made through the use of MLS photos and a conversation with the real estate agent.
+Dimensions of the home have been provided by the builder and a 3D scan was completed by the real estate agent.
+
+Subject Property
+
+Physical Address
+
+County
+Neighborhood Name
+
+8675309 Jenny Ln
+Anytown, IL 54321
+Blank
+Grammy Gold
+
+Attachment Type
+Units Excluding ADUs
+Accessory Dwelling Units
+Special Tax Assessments
+
+Detached
+1
+0
+No
+
+Planned Unit Development (PUD)
+Condominium
+Cooperative
+Condop
+Property on Native American Lands
+Subject Site Owned in Common
+Homeowner Responsible for all Exterior Maintenance
+of Dwelling(s)
+New Construction
+
+Yes No
+ 
+ 
+ 
+ 
+ 
+ 
+ 
+
+ 
+
+Ownership Rights
+
+Property Rights Appraised
+
+Fee Simple
+
+All Rights Included in Appraisal
+
+Yes
+
+Legal Description
+
+Dwelling No. 8675309 in the condominium project known as Grammy Gold
+
+Subject Property Commentary
+
+The subject property is a single family detached site condominium. The land it sits on is not owned in common with the condominium
+association referenced in the subject property’s legal description. All units in the project consist of similar detached site condominiums.
+
+Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
diff --git a/chunks/txt/bf17c31edb58331e48c594b6798884306df0ddcb2e4b0d708835a6beee28a184.txt b/chunks/txt/bf17c31edb58331e48c594b6798884306df0ddcb2e4b0d708835a6beee28a184.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a6540dd1a84fa3e3408f15255a55a3cd4cdbf985
--- /dev/null
+++ b/chunks/txt/bf17c31edb58331e48c594b6798884306df0ddcb2e4b0d708835a6beee28a184.txt
@@ -0,0 +1,144 @@
+Recommended
+Action
+
+Estimated Cost
+to Repair
+
+TCH
+Feature
+TB_sub-H1
+Site
+
+TB
+
+Location
+
+Description
+
+TB_sub-H1
+
+Dwelling Exterior - [Structure Identifier]
+
+TB
+
+TB_sub-H1
+
+Unit Interior - [Structure Identifier] - [Unit Identifier]
+
+TB
+
+TB_sub-H1
+
+Outbuilding - [Outbuilding Type]
+
+TB
+
+TB_sub-H1
+
+Unit Interior - [Outbuilding Type] - [Unit Identifier]
+
+TB
+
+TB_sub-H1
+
+Vehicle Storage
+
+TB
+
+TB_sub-H1
+
+Subject Property Amenities
+
+TB
+
+TXR-B
+
+TXC-I1
+
+As Is Overall Condition Rating
+
+Existing condition of the property as of the effective date of this
+appraisal, excluding all required repairs, alterations, or inspections
+
+TXR-B
+
+Total Estimated Cost of Items
+Recommended for Repair
+
+TB_sub-H1-R
+
+Total Cost
+
+H1
+
+Reconciliation Exhibits
+
+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
+
+Revision History
+
+2 COLUMN PAGE FORMAT
+
+HDR-R
+
+TCH
+TB
+
+H1
+
+TXR-B
+
+TXR-B
+
+TXC-B
+
+Revision Date
+
+URAR Section
+
+Description
+
+Reconsideration of Value
+
+Type
+Date
+
+Reconsideration of Value Commentary
+
+TXR-B
+
+Result
+
+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
+
+Supplemental Information
+
+H1
+
+Supplemental Information Exhibits
+
+2 COLUMN PAGE FORMAT
+
+HDR-R
+
+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
diff --git a/chunks/txt/bf3680aa10c8666ba04bb78cde9f91b8c895e9142e20008cce4022c813d2f98b.txt b/chunks/txt/bf3680aa10c8666ba04bb78cde9f91b8c895e9142e20008cce4022c813d2f98b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8b6d300dc1df24211544d4d935649ff8ec128904
--- /dev/null
+++ b/chunks/txt/bf3680aa10c8666ba04bb78cde9f91b8c895e9142e20008cce4022c813d2f98b.txt
@@ -0,0 +1,159 @@
+Before Closing
+
+IntegratedDisclosure
+SubsectionPaidByTyp
+e
+
+Buyer
+
+IntegratedDisclosure
+SubsectionPaymentTi
+mingType
+
+BeforeClosing
+
+ROF as “Borrower-
+Paid”
+
+Third Instance of INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENT
+
+9.2.4
+
+Seller-Paid At Closing
+($)
+
+…/INTEGRATED_DISC
+LOSURE_SUBSECTION
+_PAYMENT
+
+IntegratedDisclosure
+SubsectionPaymentA
+mount
+
+12800.00
+
+ROF as “$12,800.00”
+
+9.2.4
+
+Seller-Paid
+
+9.2.4
+
+At Closing
+
+IntegratedDisclosure
+SubsectionPaidByTyp
+e
+
+IntegratedDisclosure
+SubsectionPaymentTi
+mingType
+
+Seller
+
+ROF as “Seller-Paid”
+
+AtClosing
+
+Fourth Instance of INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENT
+
+9.2.5
+
+Seller-Paid Before
+Closing ($)
+
+…/INTEGRATED_DISC
+LOSURE_SUBSECTION
+_PAYMENT
+
+IntegratedDisclosure
+SubsectionPaymentA
+mount
+
+750.00
+
+ROF as “$750.00”
+
+Appendix E: UCD Implementation Guide
+
+Page 146 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+9.0 Total Closing Costs
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0 Value
+
+Notes
+
+Table 101. Total Closing Costs Table
+
+9.2.5
+
+Seller-Paid
+
+9.2.5
+
+Before Closing
+
+IntegratedDisclosure
+SubsectionPaidByTyp
+e
+
+IntegratedDisclosure
+SubsectionPaymentTi
+mingType
+
+Seller
+
+ROF as “Seller-Paid”
+
+BeforeClosing
+
+Fifth Instance of INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENT
+
+9.2.6
+
+Paid by Others ($)
+
+…/INTEGRATED_DISC
+LOSURE_SUBSECTION
+_PAYMENT
+
+IntegratedDisclosure
+SubsectionPaymentA
+mount
+
+405.00
+
+ROF as “$405.00”
+
+9.2.6
+
+Paid by Others
+
+IntegratedDisclosure
+SubsectionPaidByTyp
+e
+
+ThirdParty
+
+ROF as “Paid by
+Others”
+
+End of INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENT Instances
+
+Second Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY
diff --git a/chunks/txt/bf3863b21c5a179a2b1cb6b896a41a7b451069e53e0e04a144aca2926db1e43e.txt b/chunks/txt/bf3863b21c5a179a2b1cb6b896a41a7b451069e53e0e04a144aca2926db1e43e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..02445d59f5ba432ef6e789f08f57ee4ff5261c9d
--- /dev/null
+++ b/chunks/txt/bf3863b21c5a179a2b1cb6b896a41a7b451069e53e0e04a144aca2926db1e43e.txt
@@ -0,0 +1,75 @@
+1
+
+1
+
+3
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+This field indicates the number of finished recreation rooms in the basement.
+
+Numeric
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+PDF Display Format:
+Numeric, 1-digit
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+This field indicates the number of finished bedrooms in the basement.
+
+Numeric
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+PDF Display Format:
+Numeric, 1-digit
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+This field indicates the number of finished bathrooms in the basement.
+
+Numeric
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+PDF Display Format:
+Full Bath Count.Half Bath Count
+n.n
+
+This field is required if the value of
+field e-18 (GSE Below Grade Total
+Square Feet Number) is greater than
+zero.
+
+CR
+
+CR
+
+CR
+
+This field is required if the value of
+field e-18 (GSE Below Grade Total
+Square Feet Number) is greater than
+zero.
+
+The sum of this field 3-95 and fields (3-
+60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-72,
+3-74, 3-76, 3-78, 3-80, 3-82, 3-84, 3-
+86, 3-87, 3-91, 3-93, 3-97, 3-99, 3-101,
+3-103, 3-105, 3-107, 3-109, 3-111)
+must add up to Net Adjustment field 3-
+116.
+
+This field is required if the value of
+field e-19 (GSE Below Grade Finish
+Square Feet Number) is greater than
+zero.
+
+This field is required if the value of
+field e-19 (GSE Below Grade Finish
+Square Feet Number) is greater than
+zero.
+
+This field is required if the value of
+field e-19 (GSE Below Grade Finish
+Square Feet Number) is greater than
+zero.
diff --git a/chunks/txt/bf45d5d9375c5f4f2c78e327fa8d555de57b6671e45a9b8d2a57d5df91f726f3.txt b/chunks/txt/bf45d5d9375c5f4f2c78e327fa8d555de57b6671e45a9b8d2a57d5df91f726f3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3c3d8f1782970e51b0440b06698e95ac16fb827d
--- /dev/null
+++ b/chunks/txt/bf45d5d9375c5f4f2c78e327fa8d555de57b6671e45a9b8d2a57d5df91f726f3.txt
@@ -0,0 +1,59 @@
+2023-017
+
+Standalone ADUs and ADU/Garages do not display in the Outbuilding subsection. Clarified display rules for Outbuilding
+rows, and redisplay of Outbuilding Type for subject and comps.
+
+2023-037 Corrected typo in Notes for Include Unit in Rent Schedule
+
+2023-020 Corrected the ‘When to Include’ column for Utilities / Services Included (23.01.09) and Furnished (23.01.10).
+
+23 Rental
+Information
+
+25 Cost Approach
+
+26 Reconciliation
+
+29 Certifications
+and Scope of Work
+
+2023-028 Clarified that Structure Type (Not on Report) is required for each rental comparable unit.
+
+2023-039 Updated requirements for Floor Number (23.03.07, 23.03.31).
+
+2023-059 Comparable Weight: Clarified definition for No Weight in the rental grid (23.03.48).
+
+2023-017 Area Type for outbuilding (25.024): Deleted Attached Garage and Built-in Garage, added Garage.
+
+2023-021 Changed the ‘When to Include’ column for Cost Service Quality Rating (25.053).
+
+2023-062 Clarified that if Market Value Condition (26.009) is As Is, no other conditions can be applied.
+
+2023-037 Corrected typo for Cost to Repair Reporting Method (Itemized).
+
+2023-003
+
+Appraiser Cert 21: Clarified 29.041 and 29.042 to be Contact Name(s).
+Use Additional Supervisory Appraiser Certifications (29.062) to report prior services.
+
+2023-037 Corrected references to ASC and the ASC National Registry.
+
+Appendix 1:
+Glossary
+
+2023-034
+2023-059
+
+Updated definitions for Accessory Dwelling Unit (ADU), and Wear and Tear.
+
+Appendix F-1: URAR Reference Guide
+
+Page 6 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Revision History
+
+Version 1.1 (Published December 12, 2023)
diff --git a/chunks/txt/bf4939ea304a6a37c1ce21d5ac10d3bc8be59be527a4070ca02e9659a96d178d.txt b/chunks/txt/bf4939ea304a6a37c1ce21d5ac10d3bc8be59be527a4070ca02e9659a96d178d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..027e3e92c681ef518aae6a4dba9cd38f9b222c79
--- /dev/null
+++ b/chunks/txt/bf4939ea304a6a37c1ce21d5ac10d3bc8be59be527a4070ca02e9659a96d178d.txt
@@ -0,0 +1,5 @@
+Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 144
+
+Energy Efficient and Green Features Impact to Value/Marketability ...................................................................................................................................... 147
+
+Energy Efficient and Green Features Commentary .................................................................................................................................................................. 148
diff --git a/chunks/txt/bf4dcbceb7e4afa77ce430dd5e77b5b01acac3074d5d0a53d60317bae7b524fc.txt b/chunks/txt/bf4dcbceb7e4afa77ce430dd5e77b5b01acac3074d5d0a53d60317bae7b524fc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..23219b5568e33c1d028b04609ac7e040fdfd951c
--- /dev/null
+++ b/chunks/txt/bf4dcbceb7e4afa77ce430dd5e77b5b01acac3074d5d0a53d60317bae7b524fc.txt
@@ -0,0 +1,28 @@
+2 20000001 48 12420 491 020349 43.46 101288 115204 0.8792 126000 32815000 2 1 1 1 55.81 1 60 5 5.220 32815000 58805000 57 1 1 9 9 0 1 0 0 0 0 0 0 0
+2 20000002 06 41860 001 422400 58.95 128750 154003 0.8360 166600 3965000 7 1 1 4 61.60 2 360 1 3.100 3965000 6005000 47 9 1 9 9 0 1 0 0 0 0 1 0 0
+2 20000003 06 20940 025 010900 86.32 61472 60776 1.0115 65300 4425000 1 1 1 1 69.12 1 60 3 5.580 4425000 6405000 36 1 1 9 9 99 1 0 0 0 0 0 0 0
+2 20000004 47 34980 165 021105 30.80 96582 96905 0.9967 104700 17055000 1 1 1 1 70.00 1 60 5 5.410 17055000 24365000 57 1 1 9 9 0 1 0 0 0 0 0 0 0
+2 20000005 34 35620 035 053602 26.40 220016 113844 1.9326 119300 6975000 2 1 1 1 83.05 2 192 2 4.690 6975000 8405000 180 1 9 9 9 100 1 1 0 0 0 0 0 0
+2 20000006 37 16740 119 005855 42.32 104929 93744 1.1193 100300 49045000 7 1 1 1 62.47 1 120 5 5.480 49045000 78505000 114 1 1 9 9 0 1 0 0 0 0 0 1 0
+2 20000007 12 36740 117 021617 31.67 103047 83343 1.2364 90400 33125000 7 1 1 1 60.00 1 60 5 5.740 33125000 55205000 57 1 1 9 9 0 1 0 0 0 0 0 1 0
+2 20000008 48 99999 503 950200 27.04 84265 88069 0.9568 93500 3305000 7 1 1 1 75.00 2 60 2 6.070 3305000 4405000 57 1 1 9 9 98 1 1 0 0 0 0 0 0
+2 20000009 18 18020 005 010400 36.76 130650 90657 1.4412 93600 11955000 7 1 1 1 56.92 1 120 4 5.600 11955000 21005000 114 1 1 9 9 0 1 0 0 0 0 0 0 0
+2 20000010 13 42340 051 010811 43.40 75800 87035 0.8709 92400 59565000 1 1 1 1 54.70 1 60 5 7.207 59565000 108905000 24 1 1 9 9 0 1 0 0 0 0 0 0 0
+2 20000011 48 26420 201 553801 39.00 171625 92750 1.8504 95200 9915000 7 1 1 1 47.89 1 60 4 6.390 9915000 20705000 57 1 1 9 9 0 1 0 0 0 0 0 1 0
+2 20000012 47 32820 157 021312 27.62 109818 78701 1.3954 84000 19295000 7 1 1 1 55.51 1 60 5 5.040 19295000 34755000 57 1 1 9 9 0 1 0 0 0 0 0 0 0
+2 20000013 13 23580 139 001004 42.63 61818 86127 0.7178 92700 14305000 7 1 1 1 67.14 1 60 4 5.550 14305000 21305000 57 1 1 9 9 100 1 0 0 0 0 0 0 0
+2 20000014 45 16700 019 003104 76.43 42500 96573 0.4401 105100 9285000 7 1 1 1 67.28 1 60 3 5.380 9285000 13805000 57 1 1 9 9 0 1 0 0 0 0 1 0 0
+2 20000015 39 17140 061 027000 89.05 28696 97826 0.2933 103700 4245000 2 3 1 1 71.10 2 181 3 5.250 4275000 5905000 0 1 1 9 9 100 1 0 0 0 0 1 0 0
+2 20000016 48 26420 201 543004 53.35 205202 92750 2.2124 95200 37975000 2 3 1 1 62.56 1 60 5 5.350 37975000 60705000 57 1 1 9 9 0 1 0 0 0 0 0 1 0
+2 20000017 48 12420 491 021406 44.18 121118 115204 1.0513 126000 29095000 7 1 1 1 59.87 1 84 5 5.010 29095000 48605000 78 1 1 9 9 0 1 0 0 0 0 0 0 0
+2 20000018 18 16980 089 042501 65.41 84698 106055 0.7986 109800 28535000 7 1 1 1 69.27 2 60 5 5.810 28535000 41205000 57 1 1 9 9 0 1 0 0 0 0 0 0 0
+2 20000019 45 17900 063 020511 59.24 62969 81690 0.7708 86300 4185000 7 1 1 1 67.55 1 60 2 5.580 4185000 6205000 57 1 1 9 9 0 1 0 0 0 0 0 0 0
+2 20000020 06 23420 019 005203 80.23 53147 76092 0.6985 84300 6565000 7 5 1 1 57.79 2 60 4 6.620 6565000 11365000 36 1 1 9 9 0 1 0 0 0 0 0 0 0
+2 20000021 17 16980 031 010702 73.47 60479 106055 0.5703 109800 5635000 7 1 1 1 64.02 2 60 2 6.340 5635000 8805000 57 1 1 9 9 0 1 0 0 0 0 1 0 0
+2 20000022 16 14260 001 002223 15.94 123463 91708 1.3463 98000 12535000 2 1 1 1 64.94 1 60 3 5.670 12535000 19305000 57 1 1 9 9 0 1 0 0 0 0 0 1 0
+2 20000023 40 36420 109 108323 46.21 154474 84302 1.8324 89100 15135000 1 1 1 1 48.38 1 84 4 5.540 15135000 31295000 60 1 1 9 9 0 1 0 0 0 0 0 0 0
+2 20000024 36 35620 047 080400 80.13 72100 113844 0.6333 119300 3735000 7 1 1 1 64.38 1 60 1 6.630 3735000 5805000 36 1 1 9 9 0 1 0 0 0 0 0 0 0
+2 20000025 32 29820 003 003422 73.24 66420 82358 0.8065 87800 44405000 1 3 1 1 55.39 1 84 5 6.646 44405000 80165000 18 1 1 9 9 0 1 0 0 0 0 0 0 0
+2 20000026 48 26420 201 541301 83.63 86683 92750 0.9346 95200 42375000 1 1 1 1 75.00 1 60 5 5.310 42375000 56505000 57 1 1 9 9 90 1 0 0 0 0 0 0 0
+2 20000027 48 26420 201 541403 85.36 48606 92750 0.5241 95200 20005000 7 1 1 1 67.57 1 60 5 5.630 20005000 29605000 57 1 1 9 9 0 1 0 0 0 0 0 0 0
+2 20000028 48 41700 493 000300 67.57 81250 85469 0.9506 89300 106500
diff --git a/chunks/txt/bf5321c4596dd13db10c493a61939bd97c58d799d0a3781d20bb52b6ca11a6ed.txt b/chunks/txt/bf5321c4596dd13db10c493a61939bd97c58d799d0a3781d20bb52b6ca11a6ed.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6770ac9f443611c27c05cba60bf22462ac34e4d2
--- /dev/null
+++ b/chunks/txt/bf5321c4596dd13db10c493a61939bd97c58d799d0a3781d20bb52b6ca11a6ed.txt
@@ -0,0 +1,17 @@
+25. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the
+mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data
+collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any
+state, the District of Columbia, or other jurisdictions. Any of the foregoing persons or entities who receive this appraisal report may choose to
+store, copy, reproduce, analyze, use and distribute the data in the appraisal report for internal or external purposes without having to obtain
+the appraiser’s or supervisory appraiser’s (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or
+distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). A
+person or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as an
+intended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to the
+mortgage finance transaction and related activities for which this appraisal report was prepared.
+
+26. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government
+sponsored enterprises, and other secondary market participants may choose to rely on this appraisal report as part of any mortgage finance
+transaction that involves any one or more of these parties. A person or entity who receives a copy of an appraisal report does not become an
+intended user, unless the appraiser identifies such person as an intended user. The appraiser and supervisory appraiser (if applicable) shall have
+no liability for any use of this appraisal report not related to the mortgage finance transaction and related activities for which this appraisal
+report was prepared.
diff --git a/chunks/txt/bf776ce20f51a43f0138082426efcaa6189c5f190c5c0f3bfb1484b118024f97.txt b/chunks/txt/bf776ce20f51a43f0138082426efcaa6189c5f190c5c0f3bfb1484b118024f97.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7054a0b22f7e9388f5bd142775b7216730bba2a3
--- /dev/null
+++ b/chunks/txt/bf776ce20f51a43f0138082426efcaa6189c5f190c5c0f3bfb1484b118024f97.txt
@@ -0,0 +1,212 @@
+12
+
+1
+
+11
+
+1
+
+$0
+
+16
+
+1
+
+1 | 1
+
+$(5,000)
+
+1 | 1
+
+$(5,000)
+
+1 | 1
+
+$(5,000)
+
+Finished Area Above Grade
+
+Finished Area Below Grade
+
+1,209 Sq. Ft.
+
+1,209 Sq. Ft.
+
+1,360 Sq. Ft.
+
+$(30,200)
+
+1,070 Sq. Ft.
+
+$27,800
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Interior Quality and Condition
+
+Quality
+
+Condition
+
+Q3
+
+C3
+
+Q3
+
+C3
+
+Q3
+
+C3
+
+Q3
+
+C3
+
+Overall Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Quality
+
+Condition
+
+Vehicle Storage
+
+Q3
+
+C3
+
+Q3
+
+C3
+
+Q3
+
+C3
+
+Q3
+
+C3
+
+Type | Spaces | Detail
+
+Parking Garage | 1 | Owned
+
+Parking Garage | 1 | Owned
+
+Parking Garage | 1 | Owned
+
+Parking Garage | 1 | Owned
+
+Appraiser Reference ID 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1)
+
+Uniform Residential Appraisal Report
+
+Page 13 of 18
+Page 13 of 18
+
+Sales Comparison Approach (continued)
+
+Property Address
+
+Summary
+
+List Price
+
+Contract Price
+
+Sale Price
+
+Net Adjustment Total
+
+Price Per Finished Area
+Above Grade
+
+Adjusted Price
+
+Comparable Weight
+
+Subject Property
+
+Comparable #1
+
+Comparable #2
+
+700 1st Ave, NW
+Unit 1206
+Washington, DC 20001
+
+700 1st Ave, NW
+Unit 1211
+Washington, DC 20001
+
+700 1st Ave, NW
+Unit 1103
+Washington, DC 20001
+
+Comparable #3
+1350 Riverside Ave, NW
+Unit 1627
+Washington, DC 20001
+
+$585,000
+
+$585,000
+
+$600,000
+
+—
+
+$600,000
+
+$(5,000)
+
+$496
+
+$595,000
+
+Most
+
+$615,000
+
+—
+
+$621,000
+
+$(35,200)
+
+$457
+
+$585,800
+
+Less
+
+$570,000
+
+—
+
+$570,000
+
+$22,800
+
+$533
+
+$592,800
+
+Less
+
+Indicated Value by Sales Comparison Approach
+
+Indicated Value
+
+$595,000
+
+Reconciliation of Sales Comparison Approach
diff --git a/chunks/txt/bf7bddae7dc657b3fc9aef813afa33caa2ec7b893f18af05a14777ecebffc8ca.txt b/chunks/txt/bf7bddae7dc657b3fc9aef813afa33caa2ec7b893f18af05a14777ecebffc8ca.txt
new file mode 100644
index 0000000000000000000000000000000000000000..71e65d476cec7cd19dc12cd375e1bfd8aac25326
--- /dev/null
+++ b/chunks/txt/bf7bddae7dc657b3fc9aef813afa33caa2ec7b893f18af05a14777ecebffc8ca.txt
@@ -0,0 +1,43 @@
+Guidelines applied
+
+▪ No limitations on loan purpose or occupancy, the
+loan application will be subject to standard
+eligibility guidelines
+
+▪ Risk assessed using the borrower’s reported credit
+
+▪ Property must be a one- to four-unit, principal
+residence, and all borrowers must occupy the
+property.
+
+© 2024 Fannie Mae.
+
+11.20.24
+
+2 of 4
+
+Borrower credit profile
+
+Guidelines applied
+
+▪ Transaction must be a purchase or limited cash-
+
+out refinance.
+
+Note: If these requirements are not met, the loan
+casefile will receive an Out of Scope recommendation.
+
+Nontraditional credit references will be required for each borrower without a credit score. This can be completed manually or by
+providing a 12-month asset verification report and obtaining a cash flow assessment through DU.
+
+At Least One Borrower Has No Credit Score and Another Borrower Has a Credit Score
+
+Currently when one borrower on the loan application has no credit score and another borrower has a credit score, only certain
+transactions are permitted (e.g., one-unit, principal residence). These transactions will no longer be subject to limitations on loan
+purpose or occupancy and will now be subject to standard eligibility guidelines.
+
+For these transactions, when the borrower with a credit score is contributing 50% or less of the qualifying income, DU will
+continue to require the lender to document a nontraditional credit history for each borrower without a credit score. This can be
+completed manually or by providing a 12-month asset verification report and obtaining a cash flow assessment through DU.
+
+Cash Flow Assessment
diff --git a/chunks/txt/bf7f452f6345d174ff75b5c583bd52d061e1e74f786c2a8be7af24f3043d8ef3.txt b/chunks/txt/bf7f452f6345d174ff75b5c583bd52d061e1e74f786c2a8be7af24f3043d8ef3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..65b6c1b1614efae6ba349729476f3d1b3ac1ff03
--- /dev/null
+++ b/chunks/txt/bf7f452f6345d174ff75b5c583bd52d061e1e74f786c2a8be7af24f3043d8ef3.txt
@@ -0,0 +1,53 @@
+79960-61.
+
+8.10 Reg §1026.38(g)(3), pp. 80123, 80353, 80012; Cross reference to §1026.37(g)(3) pp. 80117, 80343, 79961-
+
+62.
+
+8.11 – 8.15 Reg §1026.38(g)(3), pp. 80123, 80353, 80012; Cross reference to §1026.37(g)(3) pp. 80117, 80343,
+
+79961-62.
+
+8.16 Reg §1026.38(g)(4), pp. 80123, 80353, 80012; Cross reference §1026.37(g)(4) pp. 80117, 80343-4, 79962-
+
+65.
+
+8.17 Reg §1026.38(g), pp. 80123, 80353, 800011; Cross reference to §1026.37(g) pp. 80116, 80342, 79959.
+
+Appendix E: UCD Implementation Guide
+
+Page 23 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+IV. UCD Data Point Categories
+
+8.18 | 8.19 Reg §1026.38(g)(5) and (6), pp. 80123, 80354, 80012; Cross reference to §1026.37(g)(5) pp. 80117,
+
+80344, 79965.
+
+Appendix E: UCD Implementation Guide
+
+Page 24 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+IV. UCD Data Point Categories
+
+9.0 Total Closing Costs, and 21.0 Loan Calculations.
+
+One data point, RegulationZPointsAndFeesIndicator, must be included with each fee to indicate whether the
+associated fee is included in the Regulation Z Points and Fees calculation. 7.2.n
+
+7.2 Loan Discount Points and 8. 1 Taxes and other Government fees are excepted.
+
+2. TO SUPPORT CROSS-UMDP LOAN I DENTI FI CATION
+
+A combination of data points can be used to determine if one loan was submitted to UAD, Loan Product
+Advisor®, Desktop Underwriter®, UCD or ULDD. These key data points must be provided in all UMDP datasets if
+available to the submitter. In this I-Guide, these data points are included in the explanations for 1.7 Sale Price /
+Appraised Prop. Value / Estimated Prop. Value and 3.5 Loan ID#.
diff --git a/chunks/txt/bf85172c878527a15bbcab034db5db80de83163ec45c1c90e060440c5b82ad76.txt b/chunks/txt/bf85172c878527a15bbcab034db5db80de83163ec45c1c90e060440c5b82ad76.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ee6971572c218d8b18098b6d007dcb3386bd9676
--- /dev/null
+++ b/chunks/txt/bf85172c878527a15bbcab034db5db80de83163ec45c1c90e060440c5b82ad76.txt
@@ -0,0 +1,57 @@
+Examples include, but are not limited to:
+• Minor damage to walls or trim (interior or exterior)
+• Worn floor finishes or carpet that shows age
+•
+
+Kitchen or bathrooms that are dated but fully functional
+
+A dwelling in C5 condition has items that will need to be repaired, rehabilitated, or replaced in
+the near future for the dwelling to remain useable and functional.
+
+Examples include, but are not limited to:
+•
+•
+•
+
+Roofing that is significantly worn, cupped, or curled but with no apparent active leaks
+Severely worn, damaged, or missing floor coverings
+Functional kitchen or bathroom that may be in disrepair (e.g., damaged or missing
+cabinets or countertops).
+
+A dwelling in C6 condition is not useable or functional in its current state, and will require
+immediate repairs, rehabilitation, or replacement of key components.
+
+Examples include, but are not limited to:
+•
+•
+
+Active roof leaks
+Damaged or missing exterior components that allow weather intrusion into the dwelling
+with resultant structural impact or damage
+Damaged or failing foundation
+No functional kitchen or bathrooms
+
+•
+•
+
+Appendix F-1: URAR Reference Guide
+
+Page 348 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Appendix 2: Condition and Quality Rating Definitions
+
+Quality Rating Definitions
+
+This chart shows the definitions for
+• Overall Quality rating
+•
+• Exterior Quality, including doorways, fenestration, architectural details, roof design, and exterior walls
+
+Interior Quality, including room size, ceilings, trim, floor material, kitchen, and bathrooms
+
+Quality ratings describe the quality of a property as of the effective date of the appraisal on an absolute basis,
+not on a relative basis or how a property relates to other properties.
diff --git a/chunks/txt/bf8844cefb21d739983bc63f4c2bbe4da6aa38f6627779ce94a031d2cbdc10da.txt b/chunks/txt/bf8844cefb21d739983bc63f4c2bbe4da6aa38f6627779ce94a031d2cbdc10da.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dbe8866efb16a562dced60f427870d50b051fbc1
--- /dev/null
+++ b/chunks/txt/bf8844cefb21d739983bc63f4c2bbe4da6aa38f6627779ce94a031d2cbdc10da.txt
@@ -0,0 +1,79 @@
+b. For a detailed explanation of arcroles, refer to the section A. Contact Table Relationships in the UCD File.
+
+B. SECTI ON NOT I NCLUDED
+
+If the creditor does not include 24.0 Confirm Receipt, the creditor must disclose the following statement in 22.0
+Other Disclosures: “Loan Acceptance You do not have to accept this loan because you have received this form
+or signed a loan application,” as highlighted in blue in the following figure.
+
+22.0
+
+Other Disclosures
+Appraisal
+If the property was appraised …
+Contract Details
+See your note and security instrument for information
+about…
+22.1 Liability after Foreclosure
+If your lender forecloses on this property ….
+
+Appendix E: UCD Implementation Guide
+
+Page 235 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+24.0 Confirm Receipt
+
+22.0
+
+Other Disclosures
+Loan Acceptance
+You do not have to accept this loan because you have
+received this form or signed a loan application.
+Refinance
+Refinancing the loan will depend …
+Tax Deductions
+If you borrow more than this property is worth…,
+
+Figure 140. Additional Disclosure Required if Section 24.0 is Not Included
+
+Table 155. Additional Disclosure Required if Section 24.0 is Not Included
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0 Value
+
+Notes
+
+UID 0.051 N/A - XML
+
+gse:DocumentSigna
+tureRequiredIndicat
+or
+
+false
+
+Not shown -
+relationships
+
+…/DOCUMENT/DOC
+UMENT_CLASSIFICA
+TION/DOCUMENT_
+CLASSIFICATION_DE
+TAIL/EXTENSION/OT
+HER
+
+C. FOR MORE I NFORMATI ON
+
+24.0: Reg §1026.38(s) and 38(s)-1, pp. 80128, 80361, 80051 cross reference to §1026.37(n) p. 80120, 80348,
diff --git a/chunks/txt/bf8e97f8244c04deddb644847adc569a4bcded660069176a4879bc4b5ec28e90.txt b/chunks/txt/bf8e97f8244c04deddb644847adc569a4bcded660069176a4879bc4b5ec28e90.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3bd3ab3feac62a67aef20e12f33f52aa482b5095
--- /dev/null
+++ b/chunks/txt/bf8e97f8244c04deddb644847adc569a4bcded660069176a4879bc4b5ec28e90.txt
@@ -0,0 +1,85 @@
+Additional commentary can be added here, if needed by Appraiser.
+
+Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario
+
+Uniform Residential Appraisal Report
+
+Page 4 of 29
+Page 4 of 29
+
+Site (continued)
+
+Site Exhibits
+
+Property Access (Street Scene) - East
+
+Property Access (Street Scene) - West
+
+This is where the Property Access East Facing photo would display.
+
+This is where the Property Access West Facing photo would display.
+
+Hazard Zone - USGS Lava Flow Zone
+
+Disaster Mitigation
+
+Mitigation Feature
+
+Impact Resistant Glass
+
+Disaster Mitigation Commentary
+
+The subject has impact resistant glass to protect from potential wind damage.
+
+Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario
+
+Uniform Residential Appraisal Report
+
+Page 5 of 29
+Page 5 of 29
+
+Sketch
+
+Measurement Standard
+
+ANSI
+
+Floor Plan
+
+Sketch Commentary
+
+Additional commentary can be added here, if needed by Appraiser.
+
+Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario
+
+Uniform Residential Appraisal Report
+
+Page 6 of 29
+Page 6 of 29
+
+Dwelling Exterior - Building 1
+
+Subject Property Units in
+Structure
+Dwelling Style
+Front Door Elevation
+Year Built
+Construction Method
+Converted Area
+
+1
+Ranch
+Up to 1 foot
+1985
+Site Built
+None
+
+This is where the Dwelling 1 Front photo would display.
+
+Quality and Condition
+
+Exterior Quality Rating
+
+Q5
+
+Exterior Condition Rating
diff --git a/chunks/txt/bf958cfd9dcf214888514a7591b9fedbf88ce6bdb3b7d7554917bf42da659849.txt b/chunks/txt/bf958cfd9dcf214888514a7591b9fedbf88ce6bdb3b7d7554917bf42da659849.txt
new file mode 100644
index 0000000000000000000000000000000000000000..884bd1f383358bef6d1c425b299c61305375039d
--- /dev/null
+++ b/chunks/txt/bf958cfd9dcf214888514a7591b9fedbf88ce6bdb3b7d7554917bf42da659849.txt
@@ -0,0 +1,105 @@
+Project Information Exhibits
+
+Report
+Field ID
+
+See
+iGuide
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Subject Listing
+Information
+Exhibits
+
+If applicable
+
+Photos or images
+
+Photos or images relevant to the Subject Listing Information section may be
+provided, which display in Subject Listing Information Exhibits. If the photo or
+image is not specifically indicated above, provide an additional caption.
+
+Appendix F-1: URAR Reference Guide
+
+Page 203 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+20 Sales Contract
+
+20 Sales Contract
+
+The Sales Contract section includes information from the sales contract for the subject property including price,
+personal property, and sales concessions. This section provides space for additional analysis and exhibits.
+
+The Sales Contract section displays if there is an active sales contract associated with the property.
+
+General Information
+
+Sales Contract: General information
+
+Report
+Field ID
+
+20.000
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Is there a sales
+contract?
+
+Always required
+
+Yes | No
+
+Definition / Additional Guidance
+
+Indicates whether there is an active sales contract associated with the
+property.
+•
+
+If No, the Sales Contract section does not display.
+
+20.001 Was sales
+
+contract
+information
+analyzed?
+
+20.002 Does this appear
+
+to be an arm’s
+length
+transaction?
+
+20.003 Non-Arm’s
+
+Length
+Commentary
+
+20.004 Contract Price
+
+20.005 Contract Date
+
+Required if Is There a
+Sales Contract is Yes
+
+Yes | No
+
+Sales Contract Information Analyzed: Indicates whether the appraiser reviewed
+and analyzed the sales contract for the subject purchase transaction.
diff --git a/chunks/txt/bfada74f147a6128876f656d22ca82aac684acab87bac3adecf07533fb98760a.txt b/chunks/txt/bfada74f147a6128876f656d22ca82aac684acab87bac3adecf07533fb98760a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0dfded6ccafc5985ac76c196402396ebd4fee3df
--- /dev/null
+++ b/chunks/txt/bfada74f147a6128876f656d22ca82aac684acab87bac3adecf07533fb98760a.txt
@@ -0,0 +1,34 @@
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 98 of 166
+
+UAD 3.6 Policy
+
+SB4-1.3-09, Adjustments to Comparable Sales (06/04/2025)
+
+Introduction
+
+This topic contains details on selected adjustments to the comparable sales, including:
+
+Sales or Financing Concessions
+
+• Analysis of Adjustments
+•
+• Market Conditions Analysis and Time Adjustments
+• Appraiser’s Comments and Indicated Value in the Sales Comparison Approach
+
+Analysis of Adjustments
+
+Fannie Mae does not have specific limitations or guidelines associated with net or gross adjustments. The number and/or amount
+of the dollar adjustments must not be the sole determinant in the acceptability of a comparable. Ideally, the best and most
+appropriate comparable would require no adjustment; however, this is rarely the case as typically no two properties or
+transaction details are identical. The appraiser’s adjustments must reflect the market’s reaction (that is, market-based
+adjustments) to the difference in the properties. For example, it would be inappropriate for an appraiser to provide a $20 per
+square foot adjustment for the difference in the finished above grade area based on a rule-of-thumb when market analysis
+indicates the adjustment should be $100 per square foot. The expectation is for the appraiser to analyze the market for
+competitive properties and provide appropriate market-based adjustments without regard to arbitrary limits on the size of the
+adjustment.
+
+If the extent of the appraiser’s adjustments to the comparable sales is great enough to indicate that the property may not
+conform to the market area, the underwriter must determine if the opinion of value is adequately supported. (For further
+information regarding comparable selection, see SB4-1.3-08, Comparable Sales.)
diff --git a/chunks/txt/bfb12ab34318259d321210229e1fdaf3309f2bc233d6ac3414f485cfdbe8b1e4.txt b/chunks/txt/bfb12ab34318259d321210229e1fdaf3309f2bc233d6ac3414f485cfdbe8b1e4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d7eee7aab51b69f45e392ce8e0233b57e4e9fea1
--- /dev/null
+++ b/chunks/txt/bfb12ab34318259d321210229e1fdaf3309f2bc233d6ac3414f485cfdbe8b1e4.txt
@@ -0,0 +1,109 @@
+In addition, appraisal data is currently submitted to the GSEs using the MISMO Reference Model 2.6, which is
+outdated and no longer supported by MISMO. As part of this update, the UAD will conform to the latest MISMO
+Reference Model (3.6).
+
+Appendix F-1: URAR Reference Guide
+
+Page 9 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Overview
+
+Overview
+
+The primary purpose of Appendix F-1: URAR Reference Guide is to provide guidance on how to enter
+information and how the data will be displayed in the Uniform Residential Appraisal Report (URAR). The URAR is
+a dynamic report, output as a PDF document, that replaces the following legacy forms:
+
+Legacy Appraisal Form Name
+
+Fannie Mae Form
+
+Freddie Mac Form
+
+Uniform Residential Appraisal Report
+
+Uniform Residential Appraisal Report (Desktop)
+
+Uniform Residential Appraisal Report (Hybrid)
+
+Individual Condominium Unit Appraisal Report
+
+Individual Condominium Unit Appraisal Report (Desktop)
+
+Individual Condominium Unit Appraisal Report (Hybrid)
+
+Exterior-Only Inspection Individual Condominium Unit Appraisal Report
+
+Exterior-Only Inspection Residential Appraisal Report
+
+Manufactured Home Appraisal Report
+
+Individual Cooperative Interest Appraisal Report
+
+Exterior-Only Individual Cooperative Interest Appraisal Report
+
+Small Residential Income Property Appraisal Report
+
+Single Family Comparable Rent Schedule
+
+URAR Section Organization
+
+1004
+
+1004 Desktop
+
+1004 Hybrid
+
+1073
+
+1073 Desktop
+
+1073 Hybrid
+
+1075
+
+2055
+
+1004C
+
+2090
+
+2095
+
+1025
+
+1007
+
+70
+
+70D
+
+70H
+
+465
+
+465D
+
+465H
+
+466
+
+2055
+
+70B
+
+-
+
+-
+
+72
+
+1000
+
+The URAR is a dynamic report with sections (black tabs) that vary based on information provided in the
+appraisal. This table shows the sections of the URAR and when they display or repeat. For more information
+about a section, reference the appropriate chapter in this document.
diff --git a/chunks/txt/bfc740afc469057a5079c93532048b14bdbb8264e7dcea6ec45604d04b9f7871.txt b/chunks/txt/bfc740afc469057a5079c93532048b14bdbb8264e7dcea6ec45604d04b9f7871.txt
new file mode 100644
index 0000000000000000000000000000000000000000..16aa94877209a199ce277c04e1612013314679ea
--- /dev/null
+++ b/chunks/txt/bfc740afc469057a5079c93532048b14bdbb8264e7dcea6ec45604d04b9f7871.txt
@@ -0,0 +1,3 @@
+Gross Rent Multiplier Comparable ............................................................................................................................................................................................. 34
+
+PROPERTY Container ................................................................................................................................................................................................................................ 34
diff --git a/chunks/txt/bfcc987d68f88d80bade3c5a4aadafd6fcee7dcb870f52727394f7522addb13c.txt b/chunks/txt/bfcc987d68f88d80bade3c5a4aadafd6fcee7dcb870f52727394f7522addb13c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..adf0502e724a1f67907c8572408334e8b77f6d8a
--- /dev/null
+++ b/chunks/txt/bfcc987d68f88d80bade3c5a4aadafd6fcee7dcb870f52727394f7522addb13c.txt
@@ -0,0 +1,21 @@
+Signature
+
+Appraiser
+Agatha Appraiser
+Agatha Appraiser
+
+09/08/2019
+
+Date of Signature and Report
+
+Level
+ID
+State
+Expires
+
+Certified Residential
+XYZ12345
+VA
+12/31/2019
+
+Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024
diff --git a/chunks/txt/bff1feca5a0683c71fd252be7ae49384b1b76674e396f1943ba12a327dc8fd2d.txt b/chunks/txt/bff1feca5a0683c71fd252be7ae49384b1b76674e396f1943ba12a327dc8fd2d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1a493c5a14ab8ad7f1a77c7d059c2b17f1f3d702
--- /dev/null
+++ b/chunks/txt/bff1feca5a0683c71fd252be7ae49384b1b76674e396f1943ba12a327dc8fd2d.txt
@@ -0,0 +1,75 @@
+3. Action Type
+
+This HMDA data element indicates
+the type of action taken on the loan by
+the HMDA-reporting lender, e.g., loan
+originated, application approved but not
+accepted, application denied,
+application withdrawn, or other
+specified reasons. FHFA has not added
+this data field to the PUDB as all loans
+
+in the PUDB had to have been
+originated in order to be acquired by the
+Enterprises.
+
+4. Purchaser Type
+
+This HMDA data element indicates
+
+the type of entity that purchased the
+loan from the HMDA-reporting lender.
+FHFA has not added this data field to
+the PUDB because the Enterprises are
+always the purchasers of the loans
+disclosed in the PUDB and this data is
+released in data field 0, ‘‘Enterprise flag’’
+(formerly called ‘‘agency flag’’).
+
+5. Denial Reason 1–3
+
+This HMDA data element indicates
+the reasons a loan was denied by the
+HMDA-reporting lender. FHFA has not
+added this data field to the PUDB
+because all of the loans in the PUDB had
+to have been originated in order to be
+acquired by the Enterprises and,
+therefore, could not have been denied.
+
+6. Edit Status
+
+This data field indicates the validity
+
+and/or quality status of the data
+reported by the HMDA-reporting
+institution. The data field is created by
+FFIEC in developing the publicly-
+released HMDA database. Since the data
+field is not required to be reported by
+HMDA-reporting institutions, and the
+data released to FHFA for inclusion in
+the PUDB is certified as accurate by the
+Enterprises, FHFA has not added this
+data field to the PUDB.
+
+7. Application Date Prior 2004 Flag
+
+This HMDA data field indicates why
+certain fields added to HMDA reporting
+in 2004 were reported under pre-2004
+reporting standards, e.g., the expanded
+race/ethnicity fields. The data field was
+created by FFIEC in developing the
+publicly-released HMDA database, and
+is based on the date of the loan
+application reported by HMDA-
+reporting lenders. The date of the loan
+application is private applicant
+information under section 304(j) of
+HMDA, and the flag is now essentially
+moot as there currently are few, if any,
+pre-2004 loan applications reported in
+the HMDA database. Accordingly,
+FHFA has not added this data field to
+the PUDB.
diff --git a/chunks/txt/c010485acae5b9f48a51ee4034667a68dcbd027fbc4762f14c5f6be80c703293.txt b/chunks/txt/c010485acae5b9f48a51ee4034667a68dcbd027fbc4762f14c5f6be80c703293.txt
new file mode 100644
index 0000000000000000000000000000000000000000..436ac6a6cf73dbcb33c2876dddb19a2f2e041949
--- /dev/null
+++ b/chunks/txt/c010485acae5b9f48a51ee4034667a68dcbd027fbc4762f14c5f6be80c703293.txt
@@ -0,0 +1,44 @@
+• Type E—established PUD projects in which the developer has turned over voting control of the HOA to the unit
+
+purchasers.
+
+• Type F—new PUD projects in which the developer has not turned over voting control of the HOA to the unit
+
+purchasers.
+
+Certain PUD projects require submission to PERS. See B4-2.2-06, Project Eligibility Review Service (PERS) for additional
+information.
+
+New or established PUD projects consisting of single-section and/or multi-section manufactured homes not subject to a
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 147 of 166
+
+UAD 3.6 Policy
+
+community land trust, deed restriction, ground lease, or shared equity arrangement may be reviewed in accordance with B4-
+2.1-02, Waiver of Project Review.
+
+Eligibility Requirements for Units in PUD Projects
+
+Lenders must determine that the PUD project and subject unit meet the requirements described in Requirements Applicable
+to All Properties in a Condo, Co-op, or PUD Project in B4-2.1-01, General Information on Project Standards.
+
+Note: Any unit legally created as part of a condo or co-op project located within a larger PUD project or master association
+must meet the applicable requirements for condo or co-op projects.
+
+For additional information applicable to PUD projects subject to a ground lease, see B2-3-03, Special Property Eligibility and
+Underwriting Considerations: Leasehold Estates.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 148 of 166
+
+UAD 3.6 Policy
+
+SB5-2-02, Manufactured Housing Loan Eligibility (12/10/2025)
+
+Introduction
+
+This topic contains information on manufactured housing loan eligibility, including:
diff --git a/chunks/txt/c01db93da6f5225d17208f97a5262f36d101ec0240bd02fefc2c293d82dc092e.txt b/chunks/txt/c01db93da6f5225d17208f97a5262f36d101ec0240bd02fefc2c293d82dc092e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2184ebf88afedc77e0fd517d94ad7b38aca7968a
--- /dev/null
+++ b/chunks/txt/c01db93da6f5225d17208f97a5262f36d101ec0240bd02fefc2c293d82dc092e.txt
@@ -0,0 +1,52 @@
+Sale Price
+Adjustment
+Description
+
+A free form text field used to further
+describe the property feature which is
+identified by Sales Price Adjustment
+Type. (i.e. Location, Condition, etc.)
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD
+JUSTMENT[@_Type='DesignStyle']/@_Description
+
+20
+
+String
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+The allowable values are listed below. When representing these values in the XML
+file, they must be shown exactly as they appear below:
+
+Allowable Values PDF Display
+WaterView Wtr
+PastoralView Pstrl
+WoodsView Woods
+ParkView Prk
+GolfCourseView Glfvw
+CityViewSkylineView CtySky
+MountainView Mtn
+ResidentialView Res
+CityStreetView CtyStr
+IndustrialView Ind
+PowerLines PwrLn
+LimitedSight LtdSght
+Other *
+
+*See field e-7 directly below.
+
+This data is referenced more than once on the form in the Site Section, and must be
+represented consistently.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+If a view factor not on the list provided materially affects the value of the property, the
+appraiser must select 'Other' and enter a description of the view associated with the
+property. Free-form descriptions should be entered carefully because data will be
+truncated on the appraisal report form if it exceeds available space for that field.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+UAD Instruction - Refer to Appendix D Sales Comparison Approach Section
diff --git a/chunks/txt/c021c7fbfac25d97dcfb7476588f5ecc240e9f5fa57073d6edf8134ab9d6416e.txt b/chunks/txt/c021c7fbfac25d97dcfb7476588f5ecc240e9f5fa57073d6edf8134ab9d6416e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1f8e5d8de5d8f8e8cbb7092226e2a26bc3edb0e0
--- /dev/null
+++ b/chunks/txt/c021c7fbfac25d97dcfb7476588f5ecc240e9f5fa57073d6edf8134ab9d6416e.txt
@@ -0,0 +1,18 @@
+[2015 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2015)
+
+[2014 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2014)​
+
+[2013 DFAST Reporting Cycle](/supervision/legal-documents/fhfa-orders/stress-testing-orders#2013)
+
+**News Releases**
+
+[FHFA Announces Results of Fannie Mae and Freddie Mac Dodd-Frank Stress Tests (8/10/2023)](/news/news-release/fhfa-announces-results-of-fannie-mae-and-freddie-mac-dodd-frank-act-stress-tests)
+[FHFA Announces Results of Fannie Mae and Freddie Mac Dodd-Frank Stress Tests (8/11/2022)](/news/news-release/fhfa-announces-results-of-fannie-mae-and-freddie-mac-dodd-frank-act-stress-tests-8112022)
+[FHFA Announces Results of Fannie Mae and Freddie Mac Dodd-Frank Stress Tests (8/13/2021)](/news/news-release/fhfa-announces-results-of-fannie-mae-and-freddie-mac-dodd-frank-act-stress-tests-august-2021)
+[FHFA Announces Results of Fannie Mae and Freddie Mac Dodd-Frank Act Stress Tests (8/15/2019)](/news/news-release/fhfa-announces-results-of-fannie-mae-and-freddie-mac-dodd-frank-act-stress-tests-1)
+[FHFA Announces Results of Fannie Mae and Freddie Mac Dodd-Frank Act Stress Tests (8/7/2018)](/news/news-release/fhfa-announces-results-of-fannie-mae-and-freddie-mac-dodd-frank-act-stress-tests-0)​
+[FHFA Announces Results of Fannie Mae and Freddie Mac Dodd-Frank Act Stress Tests (8/7/2017)](/news/news-release/fhfa-announces-results-fannie-mae-and-freddie-mac-dodd-frank-act-stress-tests-2017)​
+[FHFA Announces Results of Fannie Mae and Freddie Mac Dodd-Frank Stress Tests (8/8/2016)](/fhfa-announces-results-fannie-mae-and-freddie-mac-dodd-frank-act-stress-tests-2016)
+[FHFA Announces Results of Fannie Mae and Freddie Mac Dodd-Frank Stress Tests (4/30/2015)](/fhfa-announces-results-fannie-mae-and-freddie-mac-dodd-frank-stress-tests-2015)
+[FHFA Announces Results of Fannie Mae and Freddie Mac Stress Tests (4/30/2014)](/news/news-release/fhfa-announces-results-of-fannie-mae-and-freddie-mac-stress-tests)
+[FHFA Issues Scenarios and Guidance to Fannie Mae, Freddie Mac and the FHLBanks Regarding Annual Dodd-Frank Stress Tests (12/17/2013)](/news/news-release/fhfa-issues-scenarios-and-guidance-to-fannie-mae-freddie-mac-and-the-fhlbanks-regarding-annual-dodd)
diff --git a/chunks/txt/c04c541c2739713dcec4ba2892c9fd64c331937bdd0e5bc9496b772e2725a56e.txt b/chunks/txt/c04c541c2739713dcec4ba2892c9fd64c331937bdd0e5bc9496b772e2725a56e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bedfc8c86c8ff0e0e95be82f53bdb13ad2839a11
--- /dev/null
+++ b/chunks/txt/c04c541c2739713dcec4ba2892c9fd64c331937bdd0e5bc9496b772e2725a56e.txt
@@ -0,0 +1,21 @@
+**Q31. Can a UCD report of submissions be provided?**
+
+Yes. A UCD Submission Summary report is available in [Loan Quality Connect™](/applications-technology/fannie-mae-connect) (in the Loan Delivery Reports category) which features the following information:
+
+- All UCD submissions and transfers for an organization
+ - All edits generated for each UCD submission
+ **Q32. What is the CurrentRateSetDate and where is it found?**
+
+In UCD the CurrentRateSetDate is the last date that the note rate on a loan was established. This includes the first time the rate is set as well as any time the rate was changed prior to closing.
+
+**NOTE**: *That this does NOT include any action to extend a lock period, since the rate does not change for just an extension. The CurrentRateSetDate is used to evaluate the Note Rate, and therefore, it must correspond to the date on which the rate was set.*
+
+Correspondent
+
+**Q33. What functionality is available to correspondents who are Fannie Mae Non-Sellers?**
+
+Correspondents with access to Loan Delivery may click on the embedded UCD link in the Loan Delivery application, or access the UCD collection solution via the [UCD Collection Solution page](/learning-center/delivering/uniform-closing-dataset-ucd-collection-solution). Alternately, correspondents may leverage a direct integration option via their own integration or provided by a technology solution provider.
+
+**Q34. How will correspondents be able to “share” or “transfer” the UCD Findings with their aggregator?**
+
+Fannie Mae correspondents can download the UCD Findings Reports via the web-based user interface option within the UCD application or save the XML response from their direct integration system.
diff --git a/chunks/txt/c04f907e39d302998730a753954c2251438eba18a70cd4d41b8ac1cf24c315c1.txt b/chunks/txt/c04f907e39d302998730a753954c2251438eba18a70cd4d41b8ac1cf24c315c1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..197921aa1a10a19e5229402e18c90d3a0b3e2bd4
--- /dev/null
+++ b/chunks/txt/c04f907e39d302998730a753954c2251438eba18a70cd4d41b8ac1cf24c315c1.txt
@@ -0,0 +1,163 @@
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute MISMO v3.3.0 Value
+
+Notes
+
+First Instance of CASH TO CLOSE ITEM
+
+10.10.3 Did this change?
+
+…/CASH_TO_CLOSE_
+ITEM
+
+10.10.4
+
+If yes
+
+10.10.1 Loan Estimate
+
+10.10.2 Final
+
+10.10
+
+Loan Amount
+
+IntegratedDisclosure
+CashToCloseItemAm
+ountChangedIndicat
+or
+
+IntegratedDisclosure
+CashToCloseItemCha
+ngeDescription
+
+IntegratedDisclosure
+CashToCloseItemEsti
+matedAmount
+
+IntegratedDisclosure
+CashToCloseItemFin
+alAmount
+
+IntegratedDisclosure
+CashToCloseItemTyp
+e
+
+false
+
+ROF as “NO”
+
+Your Loan Amount
+Did Not Change
+
+150000.00
+
+150000.00
+
+ROF as
+“$150,000.00”
+
+ROF as
+“$150,000.00”
+
+LoanAmount
+
+ROF as “Loan
+Amount”
+
+Second Instance of CASH TO CLOSE ITEM
+
+10.1.3 Did this change?
+
+…/CASH_TO_CLOSE_
+ITEM
+
+IntegratedDisclosure
+CashToCloseItemAm
+ountChangedIndicat
+or
+
+true
+
+ROF as “YES”
+
+10.1.4
+
+If yes
+
+10.1.1
+
+Loan Estimate
+
+10.1.2 Final
+
+10.1
+
+Total Closing Costs
+(J)
+
+IntegratedDisclosure
+CashToCloseItemCha
+ngeDescription
+
+See Total Loan Costs
+(D) and Total Other
+Costs (I)
+
+IntegratedDisclosure
+CashToCloseItemEsti
+matedAmount
+
+IntegratedDisclosure
+CashToCloseItemFin
+alAmount
+
+IntegratedDisclosure
+CashToCloseItemTyp
+e
+
+5099.00
+
+ROF as “-$5,099.00”
+
+5757.57
+
+ROF as “-$5,757.57”
+
+TotalClosingCosts
+
+ROF as “Total Closing
+Costs (J)”
+
+Third Instance of CASH TO CLOSE ITEM
+
+10.2.3 Did this change?
+
+…/CASH_TO_CLOSE_
+ITEM
+
+IntegratedDisclosure
+CashToCloseItemAm
+ountChangedIndicat
+or
+
+true
+
+ROF as “YES”
+
+Appendix E: UCD Implementation Guide
+
+Page 158 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+10.A Alternative Calculating Cash To Close Table
diff --git a/chunks/txt/c051d5606ab4a5442db6e20032f1c18de54bc050a0b407fd99c1ee34b80025ff.txt b/chunks/txt/c051d5606ab4a5442db6e20032f1c18de54bc050a0b407fd99c1ee34b80025ff.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4b99e90a0940ecc3e013efb2d37c2fe9b938e72b
--- /dev/null
+++ b/chunks/txt/c051d5606ab4a5442db6e20032f1c18de54bc050a0b407fd99c1ee34b80025ff.txt
@@ -0,0 +1,20 @@
+##### Release Notes
+
+- [DU Validation Service October Release Notes | Oct. 25, 2025](/media/document/pdf/du-validation-service-october-release-notes-oct-25-2025)
+- [DU Validation Service April Release Notes | April 4, 2025](https://singlefamily.fanniemae.com/media/document/pdf/du-validation-service-march-release-notes-march-15-2025)
+- [DU Validation Service September Release Notes | Sept. 20, 2024](/media/document/pdf/du-validation-service-september-release-notes-sept-20-2024)
+- [DU Validation Service August Release Notes | August 17, 2024](/media/document/pdf/du-validation-service-august-release-notes-august-17-2024)
+- [DU Validation Service March Release Notes | March 6, 2024](/media/document/pdf/du-validation-service-march-release-notes-march-6-2024)
+- [DU Validation Service April Release Notes | April 17, 2021](/media/document/pdf/desktop-underwriter-validation-service-april-release-notes-april-17-2021)
+- [DU Validation Service November Release Notes | Nov. 2, 2020](/media/document/pdf/du-validation-service-november-release-notes-nov-2-2020)
+
+##### DU validation service verification report vendors & approved vendor tools
+
+- [DU Validation Service Verification Report Vendors & Approved Vendor Tools](/applications-technology/desktop-underwriter-validation-service/du-validation-service-verification-report-vendors)
+
+EarlyCheck
+
+##### Integration Impact Memos
+
+- [XIS DNS/IP Address Update Integration Impact Memo | Sept. 17, 2025](/media/document/pdf/xis-dnsip-address-update-integration-impact-memo-sept-17-2025)
+- [EarlyCheck Enhancements Overview | August 8, 2022](/media/document/pdf/earlycheck-enhancements-overview)
diff --git a/chunks/txt/c05d79b4ad74b4774125fa865b8e78cde060b2813cc6aed5432d05d3c7c95de2.txt b/chunks/txt/c05d79b4ad74b4774125fa865b8e78cde060b2813cc6aed5432d05d3c7c95de2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..81bf49e2071099636d3873e75629d898437c0f1b
--- /dev/null
+++ b/chunks/txt/c05d79b4ad74b4774125fa865b8e78cde060b2813cc6aed5432d05d3c7c95de2.txt
@@ -0,0 +1,31 @@
+*Page last updated: March 8, 2024*​​​​​
+
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
+
+## Footer
+
+- [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
diff --git a/chunks/txt/c067afeb2e6d59a76eef00f8f2aa3d8b938ad8095be8453471b540f8b2eaa32d.txt b/chunks/txt/c067afeb2e6d59a76eef00f8f2aa3d8b938ad8095be8453471b540f8b2eaa32d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..252b4e7b0fdb09a808fa2dc28b83531fe4fb40ae
--- /dev/null
+++ b/chunks/txt/c067afeb2e6d59a76eef00f8f2aa3d8b938ad8095be8453471b540f8b2eaa32d.txt
@@ -0,0 +1,44 @@
+</VALUATION_COMMENTARY>
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Subject Property Exhibits
+
+The Subject Property Exhibits subsection displays only when images are provided. All text must display above the image in bold font.
+
+• Other images included must be delivered using ImageCategoryType (UID: 1400.0638, FID: 3.033.1) = “SubjectPropertyExhibit”.
+• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 3.033.2).
+
+Page 112
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+04 Site
+
+Page 113
+
+The Site section provides information about the characteristics of the parcel(s) such as size, property access, site influences, utilities, and
+property restrictions. This section provides space for additional commentary, exhibits, and information about any apparent defects, damages,
+or deficiencies related to the site.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+The Site section always displays in the report; however, there are multiple data points from the Subject Property section that determine
+conditionality, such as:
+
+• Subject Site Owned in Common - LandOwnedInCommonIndicator (UID: 0100.0047, FID: 3.015)
+• PropertyInProjectIndicator (UID: 0100.0065, FID: Not on report)
+• Subject Property - ProjectLegalStructureType (UID: 2500.0168)
+
+o Condominium (FID: 3.011)
+o Coop (FID: 3.012)
+o Condop (FID: 3.013)
+
+Page 114
+
+Site Size and Parcels
+
+When Subject Site Owned in Common - LandOwnedInCommonIndicator (UID: 0100.0047, FID: 3.015) = "false"
+
+• Total Site Size - LotSizeAreaMeasure (UID: 1500.0093, FID: 4.000) displays
+• When Number of Parcels - ParcelCount (UID: 1500.0094, FID: 4.002) > 1 (Figure 4 - 1)
diff --git a/chunks/txt/c069c84b32b98425218a8c33efe8b154a95891bc24b7a5c0d5bdbf708ccbf6b4.txt b/chunks/txt/c069c84b32b98425218a8c33efe8b154a95891bc24b7a5c0d5bdbf708ccbf6b4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..704dd8a8808c570b515146a2a6944a1c4630c6c6
--- /dev/null
+++ b/chunks/txt/c069c84b32b98425218a8c33efe8b154a95891bc24b7a5c0d5bdbf708ccbf6b4.txt
@@ -0,0 +1,104 @@
+Unique ID MISMO Data Point Name
+
+Display Rules
+
+4.020
+
+Primary Access
+
+1500.0055 PropertyPrimaryEntryExitMethodType
+
+Always displays
+
+Site: Property Access
+
+4.021
+
+Street Type and Surface
+
+1500.0049
+1500.0047
+
+StreetAccessType
+ImprovedSurfaceMaterialType
+
+4.022
+
+Known Maintenance
+Agreement
+
+1500.0052 PrivateStreetMaintenanceAgreementExistIndicator
+
+Display when (PropertyPrimaryEntryExitMethodType =
+"PublicStreet" OR "PrivateStreet")
+− Display Street Access Type and Surface Material Type separated
+
+by "|" (Figure 4 - 4)
+If there are multiple, display as "stacked"
+
+−
+Display when PropertyPrimaryEntryExitMethodType =
+"PrivateStreet"
+
+4.023
+
+Typical for Market
+
+1500.0054 PropertyAccessTypicalToMarketIndicator
+
+Always displays
+
+4.024
+
+Description of Property
+Access
+
+1500.0053 PropertyAccessDescription
+
+PropertyAccessTypicalToMarketIndicator = "false" OR Exists
+
+Figure 4 - 4
+
+Site Influence
+
+The Site Influence subsection always displays. The details of the table vary based on the influence selected. Each site influence,
+environmental condition, or body of water selected from the enumerated list displays as a separate row in the table. An image may be
+included for each site influence.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 121
+
+Influence - SiteInfluenceType (UID: 1500.0087, FID: 4.025) always displays. (Figure 4 - 5)
+
+Figure 4 - 5
+
+Report
+Field ID
+
+Report Label
+
+Unique ID
+
+MISMO Data Point Name
+
+Display Rules
+
+Site: Site Influence
+
+4.025
+
+Influence
+
+1500.0087
+
+SiteInfluenceType
+
+4.026
+
+Proximity
+
+1500.0015
+
+DistanceFromPropertyLinearMeasure
+@LinearUnitOfMeasureType
diff --git a/chunks/txt/c0706bb5e3c7e9a693859d509a7009450f91bc1148d69536b1cf6b1aba02fb9e.txt b/chunks/txt/c0706bb5e3c7e9a693859d509a7009450f91bc1148d69536b1cf6b1aba02fb9e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b66c12d190b84dcd6ffbe9e3095a1c16f58351ea
--- /dev/null
+++ b/chunks/txt/c0706bb5e3c7e9a693859d509a7009450f91bc1148d69536b1cf6b1aba02fb9e.txt
@@ -0,0 +1,65 @@
+6. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser’s analyses, opinions,
+statements, conclusions, and the appraiser’s certification.
+
+05.050
+
+7. The appraiser identified in this appraisal report is either a subcontractor or an employee of the supervisory appraiser (or the appraisal firm),
+is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable law.
+
+05.051
+
+8. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable federal
+and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation of
+my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is
+enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.
+
+05.047
+
+Additional Supervisory Appraiser Certifications
+
+Additional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser Certifications.
+1.
+
+05.037
+
+Signature
+
+[Role]
+
+05.038
+
+05.039
+
+[Contact Name]
+
+05.041
+
+05.040
+Date of Signature and Report
+
+Level
+ID
+State
+Expires
+
+05.042
+
+05.043
+
+05.044
+05.045
+
+Update Version #
+
+HF.002
+
+Fannie Mae | Freddie Mac
+(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)
+
+HF.003
+HF.004
+
+Appraiser Reference ID
+Agency Case File ID
+Client Reference ID
+AMC Reference ID
diff --git a/chunks/txt/c083340a22ad6b3e06f575db31ec5c0bebf8de4fcb3266601e97e0ec35d8fd2e.txt b/chunks/txt/c083340a22ad6b3e06f575db31ec5c0bebf8de4fcb3266601e97e0ec35d8fd2e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d1b9362a5a4eb12ab1a9136b6a503d25514a8474
--- /dev/null
+++ b/chunks/txt/c083340a22ad6b3e06f575db31ec5c0bebf8de4fcb3266601e97e0ec35d8fd2e.txt
@@ -0,0 +1,5 @@
+Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP
+
+Filter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
+
+[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/226&order=field_release_date&sort=asc) Report Attachment April 11, 2024 [Credit Risk Transfer Progress Report 4Q2023](/reports/credit-risk-transfer-progress-report/2023-Q4) [Read Report](/document/report/credit-risk-transfer-progress-report-4q2023) May 31, 2023 [Credit Risk Transfer Progress Report 4Q2022](/reports/credit-risk-transfer-progress-report/2022-Q4) [Read Report](/media/51131) May 02, 2022 [Credit Risk Transfer Progress Report 4Q2021](/reports/credit-risk-transfer-progress-report/2021-Q4) [Read Report](/media/30536) August 10, 2021 [Credit Risk Transfer Progress Report 4Q2020](/reports/credit-risk-transfer-progress-report/2020-Q4) [Read Report](/document/crt-progress-report-4q20) April 03, 2020 [Credit Risk Transfer Progress Report 4Q2019](/reports/credit-risk-transfer-progress-report/2019-Q4) [Read Report](/document/crt-progress-report-4q2019) November 12, 2019 [Credit Risk Transfer Progress Report 2Q2019](/reports/credit-risk-transfer-progress-report/2019-Q2) [Read Report](/document/crt-progress-report-2q19) November 01, 2018 [Credit Risk Transfer Progress Report 2Q2018](/reports/credit-risk-transfer-progress-report/2018-Q2) [Read Report](/media/33471) March 29, 2018 [Credit Risk Transfer Progress Report 4Q2017](/reports/credit-risk-transfer-progress-report/2017-Q4) [Read Report](/media/33476) November 22, 2017 [Credit Risk Transfer Progress Report 2Q2017](/reports/credit-risk-transfer-progress-report/2017-Q2) [Read Report](/media/33481) July 26, 2017 [Credit Risk Transfer Progress Report March 2017](/reports/credit-risk-transfer-progress-report/2017-Q1) [Read Report](/document/credit-risk-transfer-progress-report-march-2017) March 27, 2017 [Credit Risk Transfer Progress Report](/reports/credit-risk-transfer-progress-report/2016) [Read Report](/document/credit-risk-transfer-progress-report-dec-2016)
diff --git a/chunks/txt/c08c04bee5afc49f7ef46c7c4a02831302e1a7a33548863b7c423f7e9b31df37.txt b/chunks/txt/c08c04bee5afc49f7ef46c7c4a02831302e1a7a33548863b7c423f7e9b31df37.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9d03bbfc1c5e540408c2d264fee68e71d4edb9b2
--- /dev/null
+++ b/chunks/txt/c08c04bee5afc49f7ef46c7c4a02831302e1a7a33548863b7c423f7e9b31df37.txt
@@ -0,0 +1,42 @@
+•
+
+The text "Itemized List of Repairs -" precedes the DefectComponentLabelType (UID: 3900.0117, FID: 03.001.1)
+
+• An additional caption may be provided using ImageCaptionCommentDescription (UID: 1400.0878, FID: 03.001.2) and displays above the image
+
+following the DefectComponentLabelType.
+
+New Observed Items for Repair
+
+•
+
+Images provided for New Observed Items for Repair are delivered in the IMAGE container located in the instance of the DEFECT container that
+represents the given defect and the CompletionReportNewDefectIndicator - (UID: 3900.0015, FID: Not on report) = “true”,
+
+•
+
+The text "New Observed Items for Repair -" precedes the DefectComponentLabelType (UID: 2800.0052, FID: 04.001.1)
+
+• An additional caption may be provided using ImageCaptionCommentDescription (UID: 4000.1001, FID: 04.001.2) and displays above the image
+
+following the DefectComponentLabelType.
+
+Construction Complete
+
+Page 29
+
+•
+
+Images provided for completed construction must be delivered using ImageCategoryType (UID: 1400.0849, FID: 05.001.1) =
+“CompletedConstruction".
+
+• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0851, FID: 05.001.2)
+• Display "Completed Construction" above the photo in bold font, followed by caption if provided.
+
+Construction not Completed Per Plans and Specifications
+
+•
+
+Images provided for Improvements not completed per plan are delivered in the IMAGE container located in the instance of the
+SUBJECT_TO_COMPLETION_ITEM container that represents the given defect and the PropertyImprovementsCompletedPerPlansIndicator (UID:
+2800.0011, FID: 05.002) = "false"
diff --git a/chunks/txt/c0a12c2e080d65af4fa62156eee7a7bebc5ad781cc456415fba0bb4a541e688c.txt b/chunks/txt/c0a12c2e080d65af4fa62156eee7a7bebc5ad781cc456415fba0bb4a541e688c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4f67e2a8c6f6d4324ff4b9332edaf570cc414fca
--- /dev/null
+++ b/chunks/txt/c0a12c2e080d65af4fa62156eee7a7bebc5ad781cc456415fba0bb4a541e688c.txt
@@ -0,0 +1,73 @@
+Reporting Format:
+Location Rating – Appraiser must select one
+value from the specified list
+Location Factors – Appraiser must select one
+or two factors from the specified list
+ Description of ‘Other’ (if applicable) – Text
+The PDF creator will automatically insert a
+semicolon to separate the data values.
+
+Example:
+B;AdjPrk;WtrFr
+
+Site
+For sites/parcels that have an area of less
+than one acre, the size must be reported in
+square feet. For sites/parcels that have an
+area of one acre or greater, the size must be
+reported in acreage to two decimal places.
+The unit of measure must be indicated as
+either ‘sf’ for square feet or ‘ac’ for acres. A
+numeric value must be entered followed by
+the appropriate unit of measure. The total size
+of the entire site/parcel must be entered. No
+other data is permitted in this field.
+
+Reporting Format:
+Area less than one acre – whole numbers only
+Area equal to one acre or more – numeric to 2
+decimals
+Indicate the unit of measure as either ‘sf’ for
+square feet or ‘ac’ for acres as appropriate.
+Examples:
+6400 sf
+3.40 ac
+
+Page 41 of 68
+
+• 1004/70
+
+REQUIREMENT
+
+• 1004 Hybrid/70H
+
+• 1004 Desktop/70D
+
+• 2055/2055
+
+Appendix A: GSE Appraisal Forms Mapping
+
+Document Version 1.5
+
+© 2022 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.
+
+• 1004/70
+
+REQUIREMENT
+
+• 1004 Hybrid/70H
+
+• 1004 Desktop/70D
+
+• 2055/2055
+
+• 1073/465
+
+• 1073 Hybrid/465H
+
+• 1073 Desktop/465D
+
+• 1075/466
diff --git a/chunks/txt/c0b50aa23bb8bf1b4ff0c67be2ce8d57019a41308deeaec57371028c7655e93d.txt b/chunks/txt/c0b50aa23bb8bf1b4ff0c67be2ce8d57019a41308deeaec57371028c7655e93d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c907f14a7f2708964add8ff702cd6403d07ecc06
--- /dev/null
+++ b/chunks/txt/c0b50aa23bb8bf1b4ff0c67be2ce8d57019a41308deeaec57371028c7655e93d.txt
@@ -0,0 +1,81 @@
+One ADU allowed
+
+Four-unit dwelling
+
+No ADUs allowed
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 25 of 166
+
+UAD 3.6 Policy
+The following table describes the requirements for classifying an ADU.
+
+✓
+
+Requirements
+
+• All the ADU(s) must
+
+o be subordinate in size to the primary dwelling.
+
+o have the following features separate from the primary dwelling:
+
+▪ means of ingress/egress,
+
+▪
+
+▪
+
+kitchen,
+
+sleeping area,
+
+▪ bathing area, and
+
+▪ bathroom facilities.
+
+•
+
+The kitchen must, at a minimum, contain the following:
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 26 of 166
+
+UAD 3.6 Policy
+
+✓
+
+Requirements
+
+o
+
+cabinets;
+
+o a countertop;
+
+o a sink with running water; and
+
+o a stove, built-in cooktop, or permanent hookup for these appliances (hotplates,
+
+microwaves, air fryers, or toaster ovens are not acceptable substitutes).
+
+• An independent second kitchen by itself does not constitute an ADU.
+
+•
+
+The removal of a stove or a built-in cooktop and leaving a permanent hookup (e.g., capping of the gas
+line) does not change the ADU classification.
+
+A borrower must qualify for the mortgage considering rental income as outlined in SB3-3.1-08, Rental Income,
+for further information, see SB5-6-02, HomeReady Mortgage Underwriting Methods and Requirements for an
+exception for HomeReady mortgage loans.
+
+Note: See Selling Guide Chapter B7-3, Property and Flood Insurance for more information on the requirements for insuring properties
+with an ADU(s).
+
+Construction of an ADU
+
+The construction method of an ADU can be site- or factory-built, including single- or multi-section HUD Code manufactured homes
+that are legally classified as real property. If the ADU is a HUD Code manufactured home, the lender must verify the following:
diff --git a/chunks/txt/c0b5669b7478104e8a350f40e04abaf8ae56753a8b089e8b87fcc91be90fd7f3.txt b/chunks/txt/c0b5669b7478104e8a350f40e04abaf8ae56753a8b089e8b87fcc91be90fd7f3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9775c840856259a54c8f1712a3c19895da2cdc85
--- /dev/null
+++ b/chunks/txt/c0b5669b7478104e8a350f40e04abaf8ae56753a8b089e8b87fcc91be90fd7f3.txt
@@ -0,0 +1,100 @@
+10
+
+16
+
+16
+
+16
+
+7
+
+7
+
+7
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+Enumerated UAD Requirement - Refer to Appendix D Neighborhood Section
+
+Enumerated UAD Requirement - Refer to Appendix D Neighborhood Section
+
+Enumerated UAD Requirement - Refer to Appendix D Neighborhood Section
+
+Enumerated UAD Requirement - Refer to Appendix D Neighborhood Section
+
+One and only one of fields 1-64, 1-65, 1-66
+(values of Neighborhood Demand and Supply
+Type) must be indicated.
+One and only one of fields 1-67, 1-68, 1-69
+(values of Neighborhood Typical Marketing
+Time Duration Type) must be indicated.
+One and only one of fields 1-67, 1-68, 1-69
+(values of Neighborhood Typical Marketing
+Time Duration Type) must be indicated.
+One and only one of fields 1-67, 1-68, 1-69
+(values of Neighborhood Typical Marketing
+Time Duration Type) must be indicated.
+
+Money Whole dollars only.
+
+Money Whole dollars only.
+
+Money Whole dollars only.
+
+Numeric Whole numbers only.
+
+Numeric Whole numbers only.
+
+Numeric Whole numbers only.
+
+Numeric
+
+In percentage points (e.g. a value of 25 represents 25%)
+
+Numeric
+
+In percentage points (e.g. a value of 25 represents 25%)
+
+Numeric
+
+In percentage points (e.g. a value of 25 represents 25%)
+
+Numeric
+
+In percentage points (e.g. a value of 25 represents 25%)
+
+Numeric
+
+In percentage points (e.g. a value of 25 represents 25%)
+
+4000
+
+String
+
+UAD Instruction - Refer to Appendix D Neighborhood Section
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/@_Descript
+ion
+
+4000
+
+String
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
diff --git a/chunks/txt/c0b73942d525d16b3e1941d93ed0d76514227a165b749743d4a6260106cd4440.txt b/chunks/txt/c0b73942d525d16b3e1941d93ed0d76514227a165b749743d4a6260106cd4440.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4fb21c2870a1327589f8daa50fc45274ac579161
--- /dev/null
+++ b/chunks/txt/c0b73942d525d16b3e1941d93ed0d76514227a165b749743d4a6260106cd4440.txt
@@ -0,0 +1,251 @@
+Prior Sale and Transfer History Exhibits
+
+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
+
+HDR-R
+
+2 COLUMN PAGE FORMAT
+
+PG BRK
+
+TAB
+
+Sales Comparison Approach
+
+TCH
+
+Subject Property
+
+Comparable #
+
+Comparable #
+
+Comparable #
+
+General Information
+
+TB-SCA_sub-H1
+
+TB
+
+Property Address
+
+TB
+
+Data Source
+
+Proximity to Subject
+
+List Price
+
+Listing Status
+
+Contract Price
+
+Sale Price
+
+Transfer Terms
+
+Financing Type
+
+Sales Concessions
+
+Contract Date
+
+Sale Date
+
+Days on Market
+
+Sale to List Price Ratio
+
+Attached/Detached
+
+Property Rights Appraised
+
+Annual Ground Rent
+
+Native American Lands
+
+All Rights Included
+
+Rights Not Included
+
+Same Builder as Subject
+
+TB
+TB-I
+TB
+TB
+TB-I
+TB
+TB
+
+Project Information
+
+TB-SCA_sub-H1-ADJ
+
+TB
+
+Project Name | Same
+Project as Subject
+
+Monthly Fee
+
+Common Amenities/Services
+
+TB
+
+Special Assessments
+
+Site
+
+TB-SCA_sub-H1
+
+TB
+
+Site Owned in Common
+
+Site Size
+
+Neighborhood Name
+
+Zoning Compliance
+
+Hazard Zone
+
+Primary Access
+
+Street Type | Surface
+
+Property Restriction
+
+Easement
+
+Topography
+
+Drainage
+
+Site Characteristics
+
+Site Influence (Location)
+
+Apparent Environmental
+Conditions
+
+View | Range
+
+Water Frontage with Private Access
+
+TB-SCA_sub-H1-ADJ
+
+Water Frontage
+
+Permanent Waterfront
+Feature
+
+Right to Build
+
+Total Linear Measurement
+
+TB
+
+TB
+TB
+
+TB-I
+
+TB
+
+FTR-L
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
diff --git a/chunks/txt/c0bb29923332ee9218aefead8c3bd848d7ee3f29675579582e87c4b8b1895494.txt b/chunks/txt/c0bb29923332ee9218aefead8c3bd848d7ee3f29675579582e87c4b8b1895494.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3cd7fc379a385c2e0192c520110b0508e4d932cb
--- /dev/null
+++ b/chunks/txt/c0bb29923332ee9218aefead8c3bd848d7ee3f29675579582e87c4b8b1895494.txt
@@ -0,0 +1,103 @@
+I did not personally perform an onsite inspection of the subject property as part of this appraisal assignment. I reported the
+condition of the improvements in factual, specific terms, relying on subject property information data sources I considered
+reliable. I reported any known physical deficiencies that could affect the soundness or structural integrity of the property.
+
+Display when
+ValuationReportInspectionCert
+ificationType =
+“InteriorAndExterior”
+Display when
+ValuationReportInspectionCert
+ificationType = “Exterior”
+Display when
+ValuationReportInspectionCert
+ificationType =
+“NoPhysicalInspection”
+
+29.031
+
+11
+
+29.032
+
+12
+
+I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice
+that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place
+at the time this appraisal report was transmitted.
+Using information available in the normal course of business, I researched, verified, analyzed, and reported on any current
+agreement for sale for the subject property, any offering for sale of the subject property in the twelve months prior to the
+effective date of this appraisal, and the prior sales of the subject property for a minimum of three years prior to the
+effective date of this appraisal.
+
+Always displays
+
+Always displays
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Cert #
+
+Certifications Text
+
+Report
+Field ID
+
+29.033
+
+29.034
+
+29.035
+
+29.036
+
+29.037
+
+13
+
+14
+
+15
+
+16
+
+17
+
+29.038
+
+18
+
+29.039
+
+19
+
+29.040
+
+20
+
+29.041
+
+21
+
+Using information available in the normal course of business, I researched, verified, analyzed, and reported on the prior
+sales of the comparable sales for a minimum of one year prior to the date of sale of the comparable sale.
+I based my valuation on the available properties that are most similar to the subject property.
+I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home
+that has been built or will be built on the land.
+I have identified the differences between the subject and comparable properties, analyzed the market reaction to those
+differences, and reflected those differences in the analysis.
+To the extent possible, I verified, from a disinterested source, all information in this report that was provided by parties
+who have a financial interest in the sale or financing of the subject property.
+I have taken into consideration the factors that have an impact on value with respect to the subject property, and its
+location, including its proximity to adverse influences in the development of my opinion of market value. I have noted in
+this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the presence of
+hazardous wastes, toxic substances, adverse environmental conditions, etc.) that I became aware of during the
+development of this appraisal. I have considered these adverse conditions in my analysis of the property value and have
+reported on the effect of the conditions on the value and marketability of the subject property.
+I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all
+statements and information in this appraisal report are true and correct.
+My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not
+conditioned on any agreement or understanding, written or otherwise, that I would report (or present analyses supporting)
+a predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the
+cause of any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a
+pending mortgage loan application).
diff --git a/chunks/txt/c0d529747ddfb7f19f7b761ba712efdfe4d03bb0d2ca54593894537815a9c3a7.txt b/chunks/txt/c0d529747ddfb7f19f7b761ba712efdfe4d03bb0d2ca54593894537815a9c3a7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7b9581a9a128f8cae0ac1a99a8f38a410438ec35
--- /dev/null
+++ b/chunks/txt/c0d529747ddfb7f19f7b761ba712efdfe4d03bb0d2ca54593894537815a9c3a7.txt
@@ -0,0 +1,118 @@
+Private Street
+Cul-de-sac | Asphalt
+
+Description of Property Access 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.
+
+Site Influence
+
+Influence
+Gated Community
+
+Golf Course
+
+Proximity
+Onsite
+
+Bordering
+
+Detail
+
+Impact
+Beneficial
+
+Beneficial
+
+Comment
+
+Site Influence Commentary The subject property backs to a golf course with views of the 15th hole. The property does sit back from the
+course and is unaffected by stray golf balls.
+
+View and Impact to Value/Marketability
+
+View
+Golf Course (Primary)
+
+Residential
+
+Range of View
+Full
+
+Full
+
+Site Features and Impact to Value/Marketability
+
+Feature
+Hazard Zone
+
+Detail
+No Hazard Zone Noted
+
+Utilities and Impact to Value/Marketability
+
+Broadband Internet Available
+
+Yes
+
+Impact
+Beneficial
+
+Neutral
+
+Impact
+
+Comment
+
+Private
+
+Detail
+
+Private Utility
+Impact
+
+Comment
+
+Electricity
+
+Gas
+
+Sanitary Sewer
+
+Water
+
+Public
+
+
+
+
+
+Apparent Defects, Damages, Deficiencies (Site)
+
+None
+
+Site Exhibits
+
+Property Access (Street Scene) - East
+
+Property Access (Street Scene) - West
+
+If more
+
+than 1
+
+Unit--
+
+different
+
+set up
+
+This is where the Property Access East photo would display.
+
+This is where the Property Access West photo would display.
+
+Appraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)
+
+Uniform Residential Appraisal Report
diff --git a/chunks/txt/c0e09a5a201fda82e594424cbfe39e8ca052e3c61c33c57dc0a8cd0bbafde53a.txt b/chunks/txt/c0e09a5a201fda82e594424cbfe39e8ca052e3c61c33c57dc0a8cd0bbafde53a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..99d8fe8e2de9a1212d89e3ced661f860b88d0a1f
--- /dev/null
+++ b/chunks/txt/c0e09a5a201fda82e594424cbfe39e8ca052e3c61c33c57dc0a8cd0bbafde53a.txt
@@ -0,0 +1,109 @@
+13 See FHFA 2010 Order, 75 FR at 41181.
+14 Id. at 41180.
+
+16 12 U.S.C. 4543(b)(1); 4546(d).
+17 12 U.S.C. 4543(b)(2).
+
+VerDate Sep<11>2014 18:35 Jun 02, 2020 Jkt 250001 PO 00000 Frm 00038 Fmt 4703 Sfmt 4703 E:\FR\FM\03JNN1.SGM 03JNN1
+
+I
+
+S
+E
+C
+T
+O
+N
+h
+t
+i
+
+w
+D
+O
+R
+P
+2
+4
+C
+V
+5
+F
+9
+K
+S
+D
+n
+o
+
+r
+e
+t
+t
+o
+
+l
+
+34198
+
+Federal Register / Vol. 85, No. 107 / Wednesday, June 3, 2020 / Notices
+
+HMDA data elements, so they no longer
+receive proprietary protections.
+The factors for determining
+
+proprietary protection of the Enterprise
+data in the PUDB are set forth in the
+HUD regulation which FHFA still
+administers. HUD applied the regulatory
+factors in a series of Orders determining
+the proprietary protections for specific
+data elements published in the PUDB.
+The HUD Orders (but not the HUD
+regulation) were superseded by FHFA
+Orders that adopted the HUD
+proprietary determinations for the
+specific data elements to be published
+in the PUDB and added the new data
+required by HERA.18
+
+FHFA protects proprietary data in the
+PUDB through two methods. First, data
+is protected through the multi-file
+system discussed above in Section I.B.
+Second, the individual data elements
+may be completely withheld from
+publication, or modified to reduce re-
+identification risk by disclosing in
+ranges or rounding.
+
+D. Privacy Protections in the PUDB
+The HUD regulation, which was
+issued prior to the HERA amendments
+to the Safety and Soundness Act,
+provides that private data shall be
+withheld from the PUDB if publication
+of the data would ‘‘constitute a clearly
+unwarranted invasion of personal
+privacy if such data or information were
+released to the public.’’ 19 HERA
+amended the Safety and Soundness Act
+to add a requirement that FHFA publish
+the HMDA data ‘‘[s]ubject to privacy
+considerations, as described in section
+304(j) of [HMDA] (12 U.S.C. 2803(j)).’’ 20
+Section 304(j)(2)(B) of HMDA requires
+the CFPB to ‘‘require, by regulation,
+such deletions as [CFPB] may determine
+to be appropriate to protect—(i) any
+privacy interest’’ of borrowers, and
+protect depository institutions reporting
+HMDA data from liability under privacy
+laws.21 The CFPB implemented this
+requirement through policy guidance
+(CFPB Privacy Guidance) setting out
+how the agency intends to exclude or
+modify data to protect borrower privacy
+and reporter liability, in balance with
+the purposes of public disclosure.22
+The Safety and Soundness Act
diff --git a/chunks/txt/c0ea1a2261a9d255abc99a144fc4722813153fd5e16cb3f1674442b9bcae4473.txt b/chunks/txt/c0ea1a2261a9d255abc99a144fc4722813153fd5e16cb3f1674442b9bcae4473.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9153c3cc27b37dd50619717d8c82c9d066849030
--- /dev/null
+++ b/chunks/txt/c0ea1a2261a9d255abc99a144fc4722813153fd5e16cb3f1674442b9bcae4473.txt
@@ -0,0 +1,64 @@
+Q5
+
+The dwelling is constructed using
+standard building plans and
+designs that can be reproduced
+multiple times with minimal
+customization or style variations.
+The materials and amenities are
+widely available and can contain
+a mixture of some standard and
+economy-level materials.
+
+The dwelling is basic in design
+and meets minimum building
+standards. Dwellings rated Q5 are
+designed for efficiency in
+installation and construction
+representing basic housing. Q5
+dwellings have minimal
+refinements or upgrades but are
+not considered substandard.
+
+ins, upgraded trim, finishes, mouldings and
+wall treatments.
+
+elements adorning at least the
+front of the home.
+
+• Upgraded or high-grade floor coverings
+that exceed the quality and durability of
+standard-grade.
+
+• Moderately sized kitchens featuring
+upgraded appliances, cabinetry and
+countertops or a mix of upgraded and high-
+grade elements.
+
+• Multiple bathrooms of moderate size with
+some bathrooms specifically dedicated to
+certain bedrooms as well as at least one
+common bathroom; containing upgraded
+cabinetry and plumbing fixtures or a
+mixture of upgraded and high-end
+elements.
+
+• Roof designs using upgraded
+roof materials; may have steep
+pitches, could have more than
+one ridge with hips and valleys,
+gables, and overhangs.
+
+• Exterior walls constructed
+using upgraded materials and
+featuring multiple corners with
+some angled walls or unique
+shapes.
+
+• Sufficiently sized rooms typically with flat
+ceilings and some vaulted ceilings in larger
+rooms, some trim or finishes of basic
+design.
+
+• Standard floor coverings that exceed the
+quality and durability of economy grade.
diff --git a/chunks/txt/c0f30cd88f47e7f8956420820323856fe4f38999a499e703044e2fc6200403c8.txt b/chunks/txt/c0f30cd88f47e7f8956420820323856fe4f38999a499e703044e2fc6200403c8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c4f857e07d2b9b3dda24d6415f7e14154cfebcf5
--- /dev/null
+++ b/chunks/txt/c0f30cd88f47e7f8956420820323856fe4f38999a499e703044e2fc6200403c8.txt
@@ -0,0 +1,7 @@
+Freddie Mac Form 70D July 2020
+
+226
+
+Page 6 of 6
+
+Fannie Mae Form 1004 Desktop July 2020
diff --git a/chunks/txt/c0f7e22e679a71eb9b67db94431586b08fa217ca088a2e2d8179131cb278b7e9.txt b/chunks/txt/c0f7e22e679a71eb9b67db94431586b08fa217ca088a2e2d8179131cb278b7e9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..965ca5057aa43c78b79eee31fe9119c6cab78393
--- /dev/null
+++ b/chunks/txt/c0f7e22e679a71eb9b67db94431586b08fa217ca088a2e2d8179131cb278b7e9.txt
@@ -0,0 +1,13 @@
+VantageScore 4.0’s implementation process has arrived at a point where the Enterprises soon can move forward with adoption of scores from the model. Similar implementation efforts are underway with respect to FICO 10T, and the Enterprises expect to be able to publish historical FICO 10T data and adopt scores from the model at a later date.
+
+Providing lender choice among multiple approved credit score models should help consumers, lenders, and other market participants realize the benefits of robust competition, such as lowering closing costs. The introduction of newer credit score models will improve risk management throughout the market as well, because these new models are more predictive of default risk.
+
+### **How does the introduction of VantageScore 4.0 impact other approved credit score models?**
+
+Classic FICO remains an approved credit score model that can be used for loans sold to the Enterprises. FICO 10T, which was validated and approved for use by the Enterprises alongside VantageScore 4.0 in 2022, remains an approved credit score model and is planned for future use by the Enterprises. Until then, lenders may choose between Classic FICO or VantageScore 4.0 for loans sold to the Enterprises.
+
+### **Will lenders report credit scores from multiple models on a given loan?**
+
+Not initially. Lenders will have the choice to report credit scores from either Classic FICO or VantageScore 4.0. For the time being, the Enterprises will not accept scores from multiple models on a given loan.
+
+### **Will lenders be able to report credit scores from multiple models across different loans?**
diff --git a/chunks/txt/c0ff1012315410b55c1d7c6ce743a28a3b854f063f17dd512212df552328ec60.txt b/chunks/txt/c0ff1012315410b55c1d7c6ce743a28a3b854f063f17dd512212df552328ec60.txt
new file mode 100644
index 0000000000000000000000000000000000000000..65fc5284c84a41ac13f7ab47b6a56c85eb59c11a
--- /dev/null
+++ b/chunks/txt/c0ff1012315410b55c1d7c6ce743a28a3b854f063f17dd512212df552328ec60.txt
@@ -0,0 +1,3 @@
+Overview ................................................................................................................................................................................................................................................ 275
+
+Concepts ................................................................................................................................................................................................................................................ 276
diff --git a/chunks/txt/c1086f3b88738cc77921bd1fc254d775a5f5949de290a49fd244b37b5f5fbf86.txt b/chunks/txt/c1086f3b88738cc77921bd1fc254d775a5f5949de290a49fd244b37b5f5fbf86.txt
new file mode 100644
index 0000000000000000000000000000000000000000..11a01ee38d4624f7fb445fc429d4d6bcb71940b6
--- /dev/null
+++ b/chunks/txt/c1086f3b88738cc77921bd1fc254d775a5f5949de290a49fd244b37b5f5fbf86.txt
@@ -0,0 +1,91 @@
+9.1 J. TOTAL CLOSING COSTS (Borrower-Paid)
+9.2 Closing Costs Subtotals (D + I)
+9.3 Lender Credits
+
+9.3.1 Tolerance Cure $
+
+8.18.1 $
+
+8.19.2 $
+
+8.19.3 $
+
+9.1.1 $
+
+9.2.2 $
+9.3.2 -$
+
+9.2.3 $
+
+9.2.4 $
+
+9.2.5 $
+
+9.2.6 $
+
+CLOSING DISCLOSURE
+
+PAGE 2 OF 5 ▪ LOAN ID #
+
+Uniform Closing Dataset v2.0
+
+Numbered Model Disclosure
+
+Calculating Cash to Close
+
+10.0 Use this table to see what has changed from your Loan Estimate.
+
+Loan Estimate
+
+Final
+
+Did this change?
+
+(Complete if “YES”)
+
+10.1 Total Closing Costs (J)
+
+10.1.1
+
+$ 10.1.2
+
+$ 10.1.3 NO/YES 10.1.4 ▪ See Total Loan Costs (D) and Total Other Costs (I).
+
+10.2 Closing Costs Paid Before Closing
+
+10.3 Closing Costs Financed
+
+(Paid from your Loan Amount)
+
+10.4 Down Payment (Purchase)/Funds
+from Borrower (Non-Purchase)
+10.5 Deposit
+
+10.6 Funds for Borrower
+
+10.7 Seller Credits
+10.8 Adjustments and Other Credits
+
+10.9 Cash to Close
+
+▪ Increase exceeds legal limits by $. See Lender
+ Credits on page 2 for credit of excess amount.
+
+10.2.1
+10.3.1
+
+-$ 10.2.2
+$ 10.3.2
+
+-$ 10.2.3 NO/YES 10.2.4 • You paid these Closing Costs before closing
+$ 10.3.3 NO/YES 10.3.4 • You included these Closing Costs in your loan
+
+10.4.1
+
+$ 10.4.2
+
+amount
+$ 10.4.3 NO/YES 10.4.4 • See details in Section(s) K and/or L
+
+10.5.1
+10.6.1
diff --git a/chunks/txt/c1106a29cc6c5ef5ce99868d5520f9a89853ddaaf91eecb6d52acd5b3e972a9d.txt b/chunks/txt/c1106a29cc6c5ef5ce99868d5520f9a89853ddaaf91eecb6d52acd5b3e972a9d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e8f2cd55a2051507ca64dfc703773efac619ae5f
--- /dev/null
+++ b/chunks/txt/c1106a29cc6c5ef5ce99868d5520f9a89853ddaaf91eecb6d52acd5b3e972a9d.txt
@@ -0,0 +1,61 @@
+Fully Below Grade
+
+Partially Below Grade
+
+Below ground level with each wall having earth contact and not having the potential for ingress or egress at ground level
+without the use of stairs.
+Note: When ANSI is the applicable standard, fully below grade area is counted in Below Grade Finished Area (10.006) or
+Below Grade Finished Area (Nonstandard) (10.007) in Area Breakdown.
+
+Partially below ground level with wall(s) having earth contact, and at least one wall having existing or potential ingress or
+egress at ground level (e.g., walk out basement).
+Note: When ANSI is the applicable standard, partially below grade area is counted in Below Grade Finished Area (10.006)
+or Below Grade Finished Area (Nonstandard) (10.007) in Area Breakdown.
+
+Allowable Answer
+
+Definition / Additional Guidance
+
+Below Grade Exterior Access (Choose one for each applicable level in the unit)
+
+Cellar Door
+
+Walk Out
+
+Walk Up
+
+Typically an angled door covering the exterior stairwell of a below grade area. Sometimes referred to as a bulkhead door.
+
+A means of ingress or egress by walking out at grade level.
+
+A means of ingress or egress by walking up to grade level (e.g., stairs).
+
+Other (Describe)
+
+Select Other to enter an answer that is not in the above list.
+
+Examples: Level in Unit, Grade Level Type, and Area Breakdown
+
+Example 1:
+
+Level in Unit, Grade Level Type, and Area Breakdown: Example 1
+
+Level in Unit
+10.029
+
+Grade Level Type
+10.030
+
+Level B2
+
+Below Grade
+
+Possible Answers in Area Breakdown
+
+•
+•
+•
+
+Below Grade Finished Area 10.006
+Below Grade Finished Area (Nonstandard) 10.007
+Below Grade Unfinished Area 10.008
diff --git a/chunks/txt/c11c7f4564ba50602e9842cc8772397f09c6de7d65ebc3ddb067939da15b8dd2.txt b/chunks/txt/c11c7f4564ba50602e9842cc8772397f09c6de7d65ebc3ddb067939da15b8dd2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b93c347cc29c4b58d650045ac95c0df57ae273bd
--- /dev/null
+++ b/chunks/txt/c11c7f4564ba50602e9842cc8772397f09c6de7d65ebc3ddb067939da15b8dd2.txt
@@ -0,0 +1,65 @@
+778000
+
+false
+
+false
+
+false
+
+false
+
+true
+
+false
+
+false
+
+false
+
+Refinance
+
+ProjectSpecialAssessmentsAttributedToSubjectProperty
+
+Negligible Impact: Project Building Repairs for rehabilitation of all balconies in the project. Term of special assessment is 2 years.
+
+Neutral
+
+ProjectLegalAction
+
+There is existing litigation due to a contract issue experienced by a roofing company that has worked on the property. The litigation concerns an issue of non-payment to the roofing company for repairs made to the roof of the subject building.
+
+Neutral
+
+ProjectCommercialSpace
+
+Commercial space is a convenience store
+
+Neutral
+
+SingleEntityGreatestNumberOfUnitsOwned
+
+Neutral
+
+ProjectFactors
+
+The total special assessment for the unit is $3,160. This outstanding special assessment is considered typical for this type of building in this market area, so no further analysis is necessary.
+
+Project
+
+The common elements appear to be adequately maintained. Within this project you have access to parking spaces adequate for the size of the community and have access to a common pool and spa area.
+
+SubjectPropertyAmenities
+
+Maintenance of exterior amenities is provided by the homeowners association.
+
+Sketch
+
+The subject’s condominium unit is part of an apartment/multifamily building. The ANSI measurement standard does not apply to apartment/multifamily buildings. Dimensions provided in the floor plan are interior perimeter unit measurements.
+
+SiteInfluences
+
+Additional commentary can be added here, if needed by Appraiser.
+
+SiteFeatures
+
+Additional commentary can be added here, if needed by Appraiser.
diff --git a/chunks/txt/c11cf03ea93ecf4aaab01af9d6d2eb7818f4050cba353e9bc3e0281870a885e4.txt b/chunks/txt/c11cf03ea93ecf4aaab01af9d6d2eb7818f4050cba353e9bc3e0281870a885e4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..55fec0aa2fb622a934b649f7f3ec2b07d9abaaec
--- /dev/null
+++ b/chunks/txt/c11cf03ea93ecf4aaab01af9d6d2eb7818f4050cba353e9bc3e0281870a885e4.txt
@@ -0,0 +1,188 @@
+Data Field
+Conditionality 1073
+Desktop/465D
+
+330
+
+3
+
+11
+
+SALES
+COMPARISON
+APPROACH
+
+Address and
+(Line 1)
+
+Property Street
+Address
+
+The unstructured (Unparsed) street
+address of the subject property (e.g., 123
+Main Street).
+
+/VALUATION_RESPONSE/PROPERTY/@_StreetAddress
+
+42
+
+String
+
+331
+
+3
+
+12a
+
+SALES
+COMPARISON
+APPROACH
+
+Unit #
+
+Unit Identifier
+
+The identification of the unit.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/_UNIT/@UnitIdentifier
+
+30
+
+String
+
+332
+
+3
+
+12b
+
+SALES
+COMPARISON
+APPROACH
+
+Address
+(Line 2)
+
+Property City
+
+The city in which the subject property is
+located.
+
+/VALUATION_RESPONSE/PROPERTY/@_City
+
+40
+
+String
+
+333
+
+3
+
+12c
+
+SALES
+COMPARISON
+APPROACH
+
+Address
+(Line 2)
+
+Property State
+
+The state in which the subject property is
+located.
+
+/VALUATION_RESPONSE/PROPERTY/@_State
+
+2
+
+String
+
+334
+
+335
+
+336
+
+337
+
+338
+
+3
+
+3
+
+3
+
+3
+
+3
+
+12d
+
+SALES
+COMPARISON
+APPROACH
+
+Address
+(Line 2)
+
+Property Postal
+Code
+
+The postal code (zip code in the US) of
+the subject property. Zip code may be
+either 5 or 9 digits.
+
+/VALUATION_RESPONSE/PROPERTY/@_PostalCode
+
+13
+
+14
+
+15
+
+16
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+Project Name and
+
+Project Name
+
+The name of the project in which subject
+property is located (e.g., the name of the
+condominium or cooperative).
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/@_Name
+
+Phase
+
+Project Phase
+Identifier
+
+The current phase number of a multi-
+phase development project.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/@_PhaseIdentifier
+
+SALES
+COMPARISON
+APPROACH
+
+Sale Price
+
+Property Sales
+Amount
+
+The sales price of the referenced property.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/@PropertySalesAm
+ount
diff --git a/chunks/txt/c1277f494b12544484c1b0222d4042075bc21ba52c7f0604c39f00149566f2af.txt b/chunks/txt/c1277f494b12544484c1b0222d4042075bc21ba52c7f0604c39f00149566f2af.txt
new file mode 100644
index 0000000000000000000000000000000000000000..54d8a3ae70ce601d9635f9dbee52165363c2a859
--- /dev/null
+++ b/chunks/txt/c1277f494b12544484c1b0222d4042075bc21ba52c7f0604c39f00149566f2af.txt
@@ -0,0 +1,48 @@
+C. Form Field ID Format
+
+The Form Field IDs increase sequentially by CD section, generally moving from left to right and then down the form. The
+numbers have the following format, where “n” is a sequential number:
+
+n.0 - Identifies a form section. Form section IDs do not map to any data points.
+n.m – Identifies a Form Field (m) within a form section (n).
+n.m.o – Identifies additional details (o) about a Form Field (m) within a form section (n).
+
+D. Identical Values Required in More than one Form Location
+
+When an identical value appears in more than one location on the CD, it generally is represented by the same XPaths and
+data points and appears only once in the XML file. The UCD v2.0 Specification Closing Disclosure Cross Reference columns Q
+– V identify all the Form Fields supported by each data point.
+
+1 Federal Register, Vol. 78, No. 251, December 31, 2013. “Part II – Bureau of Consumer Financial Protection. 12 CFR Parts 1024 and 1026
+Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z).”
+
+Uniform Closing Dataset v2.0
+
+Numbered Model Disclosure
+
+0.1 Closing Disclosure
+
+This form is a statement of final loan terms and closing costs. Compare this
+document with your Loan Estimate.
+
+1.0 Closing Information
+
+2.0 Transaction Information
+
+3.0 Loan Information
+
+1.1 Date Issued
+1.2 Closing Date
+
+2.1 Borrower (Name(s)
+2.1.1 (Address(es))
+
+1.3 Disbursement Date
+1.4 Settlement Agent (Company Name)
+1.5 File #
+1.6 Property (Address)
+
+2.2 Seller (Name(s))
+2.2.1 (Address(es))
+
+2.3 Lender (Company Name)
diff --git a/chunks/txt/c1284e75e7b664478afd80e42f946de2768dd2c3fc7bcfed5cd1395a99d50ba2.txt b/chunks/txt/c1284e75e7b664478afd80e42f946de2768dd2c3fc7bcfed5cd1395a99d50ba2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2ccdc43964ee12f3780c16afd90fda3542b657ff
--- /dev/null
+++ b/chunks/txt/c1284e75e7b664478afd80e42f946de2768dd2c3fc7bcfed5cd1395a99d50ba2.txt
@@ -0,0 +1,104 @@
+q Identify needed updates to systems
+and process for Uniform Collateral
+Data Portal® (UCDP ®) submission.
+
+q Start thinking about allocating
+
+resources you'll need to implement
+changes to your process.
+
+Build to the Spec & Updated UCDP
+DI Technical Integration Guide (TIG)
+
+q Make necessary system
+
+enhancements to support a
+modernized UCDP direct
+integration.
+
+q Implement any identified process
+changes or notify your lender
+partner of these needed changes to
+their processes.
+
+Test and Verify
+
+q Look for UCDP-specific training.
+
+q Make sure you or your lender
+
+partners are able to submit the new
+dynamic report to UCDP.
+
+2023
+
+2023-2024
+
+2023-2024
+
+M A R C H 2 0 2 3
+
+10
+
+Lender/Loan Origination System (LOS) Roadmap
+
+Spec Delivery
+
+Test and Verify
+
+Prepare Your Staff
+
+q UAD 3.6 spec delivered to industry.
+
+q Make sure your software partners
+
+q Make sure your staff is familiar with
+
+q Check in with all partners to
+determine possible impacts.
+q Start thinking about allocating
+
+resources you'll need to implement
+changes to your process.
+
+are aware of the new UAD
+specification and are building
+to it.
+
+q Check in periodically to make
+
+sure software partners are on track
+for integrating and accepting the
+new UAD.
+
+q Begin testing your software partners’
+
+products.
+
+the new URAR.
+
+q Provide training materials and
+educational opportunities.
+
+q Make sure any operational changes
+are made and working as intended.
+
+2023
+
+2023-2024
+
+2024 and Beyond
+
+M A R C H 2 0 2 3
+
+11
+
+Appraiser Roadmap
+
+Keep an Eye Out for Training
+
+q The GSEs will be developing
+training and appraiser-specific
+resources to help familiarize you
+with the new UAD and dynamic
+appraisal form.
diff --git a/chunks/txt/c1290f2e959250bec0bc99cdb07fb8fe02a878912fae9ab944697119c84258de.txt b/chunks/txt/c1290f2e959250bec0bc99cdb07fb8fe02a878912fae9ab944697119c84258de.txt
new file mode 100644
index 0000000000000000000000000000000000000000..49e8842738c91f6b2a2650da88b106e7bafb8e84
--- /dev/null
+++ b/chunks/txt/c1290f2e959250bec0bc99cdb07fb8fe02a878912fae9ab944697119c84258de.txt
@@ -0,0 +1,29 @@
+UAD 3.6 Policy
+
+The lender must monitor and assess the work performed by the data collector through the lender's quality control program
+including prefunding and post-closing reviews. The lender must continually evaluate the quality of its property data collectors
+and property data collection. See Selling Guide, Subpart D1, Lender QC Process, for additional information.
+
+Exercising Value Acceptance + Property Data
+
+A lender may only exercise value acceptance + property data when
+
+the final submission of the loan casefile to DU resulted in an eligibility message for value acceptance + property data,
+
+•
+• property data collection is submitted to the Property Data API prior to the note date,
+•
+•
+
+an appraisal is not obtained for the transaction, and
+the offer is not more than four months old on the date of the note and mortgage.
+
+Lenders that elect to exercise value acceptance + property data must include Special Feature Code 774 at loan delivery. The
+property data collection is only valid for 12 months from the date of collection and must be performed prior to the note date.
+
+If the value acceptance + property data offer is lost due to changes in qualifying loan characteristics after the property data
+collection was obtained, in some cases it may be possible for the lender to provide the property data collection to an appraiser to
+perform a hybrid appraisal. See SB4-1.2-03, Hybrid Appraisals for specific requirements. Alternatively, the lender may obtain a
+desktop or traditional appraisal report as specified by DU.
+
+Property Data Collection with Needed Repairs or Completion Verification
diff --git a/chunks/txt/c1331c66063329e06ab8b709f046d42fdbdf0b87c1f3874048b95e27f95ce63c.txt b/chunks/txt/c1331c66063329e06ab8b709f046d42fdbdf0b87c1f3874048b95e27f95ce63c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c7abc82e8d16ccc4b95de9dbc51bdaa677d28299
--- /dev/null
+++ b/chunks/txt/c1331c66063329e06ab8b709f046d42fdbdf0b87c1f3874048b95e27f95ce63c.txt
@@ -0,0 +1,163 @@
+Q4
+
+ThreeToFourFeet
+
+1
+
+Condition Status is reflective of noted repair having been completed.
+
+Centralized
+
+NaturalGas
+
+ForcedWarmAir
+
+SumpPump
+
+WaterHeater
+
+true
+
+PropertyPhoto
+
+\\Images\SF1_SubjectProperty.png
+
+image/png
+
+DwellingFront
+
+\\Images\SF1_SubjectProperty.png
+
+image/png
+
+PropertyAccess
+
+\\Images\SF1_PropertyAccess.png
+
+image/png
+
+SalesComparableMap
+
+\\Images\SF1_SalesCompMap.png
+
+image/png
+
+DwellingRear
+
+\\Images\SF1_DwellingRear.png
+
+image/png
+
+DwellingFront
+
+\\Images\SF1_DwellingFront.png
+
+image/png
+
+RESNET HERS Score
+
+EnergyEfficientAndGreenFeaturesExhibit
+
+\\Images\SF1_HERSScore.png
+
+image/png
+
+AbsorptionRateGraph
+
+\\Images\SF1_AbsorptionRate.png
+
+image/png
+
+MedianDaysOnMarketGraph
+
+\\Images\SF1_MedianDaysOnMarket.png
+
+image/png
+
+PriceTrendGraph
+
+\\Images\SF1_PriceTrends.png
+
+image/png
+
+YearBuiltOfSalesGraph
+
+\\Images\SF1_YearBuiltOfSales.png
+
+image/png
+
+2019-09-20
+
+Physical
+
+Physical
+
+12
+
+true
+
+12
+
+489000
+
+489000
+
+2019-09-17
+
+FQ999999
+
+2019-09-05
+
+Pending
+
+MLS
+
+25.165173
+
+-51.328125
+
+North: E. Grant Highway, South: E. Temple Ave., East: Chicken Rd., West: 10 Main Ave.
+
+24
+
+Search Criteria limited by Detached units with a lot size of up to .6 acres and Finished Above Grade Area between 2700 and 3300 sq. ft. Additional factors include between 2-4 full bathrooms, 3-5 bedrooms, a basement and a 2 car garage. Searched between closing dates of 9/30/2017 and 9/30/2019.
+
+2
+
+445000
+
+435000
+
+11
+
+440000
+
+ActiveListings
+
+1
+
+PendingSales
+
+35
+
+597000
+
+400000
+
+499000
+
+TotalSales
+
+UnderThreeMonths
+
+Shortage
+
+false
+
+Sunnyside
+
+Lot 53 Sunnyside Subdivision
+
+14950
+
+LandWithDwelling
diff --git a/chunks/txt/c13477d0104319b45e233d3bc2f295c5e196f04b7abc8e15685ea98c3d661208.txt b/chunks/txt/c13477d0104319b45e233d3bc2f295c5e196f04b7abc8e15685ea98c3d661208.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e3105c630d54c1efce2863d9340d2d9a184a2e2d
--- /dev/null
+++ b/chunks/txt/c13477d0104319b45e233d3bc2f295c5e196f04b7abc8e15685ea98c3d661208.txt
@@ -0,0 +1,106 @@
+Depreciation for Each Outbuilding
+
+One of the following may be provided for each outbuilding that is considered real property:
+• Separate physical, functional and external depreciation (percent and dollar amount), or
+• Total depreciation (dollar amount). This is an aggregate number representing physical, functional, and
+
+external depreciation.
+
+See example in Depreciation For Each Dwelling.
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Cost Approach – Depreciation (Outbuilding)
+
+25.028 Physical
+
+Depreciation
+
+25.029 Physical
+
+Depreciation
+
+25.030
+
+Functional
+Depreciation
+
+25.031
+
+Functional
+Depreciation
+
+25.032 External
+
+Depreciation
+
+25.033 External
+
+Depreciation
+
+25.034 Total
+
+Depreciation
+
+Required if Total
+Depreciation is not
+provided
+
+Required if Total
+Depreciation is not
+provided
+
+Required if Total
+Depreciation is not
+provided
+
+Required if Total
+Depreciation is not
+provided
+
+Required if Total
+Depreciation is not
+provided
+
+Required if Total
+Depreciation is not
+provided
+
+Required if Physical,
+Functional and
+External Depreciation
+are not provided
+
+Percent
+
+Outbuilding Physical Depreciation Percent
+
+Dollar amount
+
+Outbuilding Physical Depreciation Amount
+Calculated: Outbuilding Physical Depreciation Percent x Sum of all the Area
+Type Costs for the outbuilding.
+
+Percent
+
+Outbuilding Functional Depreciation Percent
+
+Dollar amount
+
+Outbuilding Functional Depreciation Amount
+Calculated: Outbuilding Functional Depreciation Percent x sum of all the Area
+Type Costs for the outbuilding.
+
+Percent
+
+Outbuilding External Depreciation Percent
diff --git a/chunks/txt/c141d829cb5ebf82520fb37605ad7bc26f83cf00c03b04dcd53615e2fd2219ec.txt b/chunks/txt/c141d829cb5ebf82520fb37605ad7bc26f83cf00c03b04dcd53615e2fd2219ec.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ff006fdc73eb80ef628161d2fdfa00ea37008025
--- /dev/null
+++ b/chunks/txt/c141d829cb5ebf82520fb37605ad7bc26f83cf00c03b04dcd53615e2fd2219ec.txt
@@ -0,0 +1,95 @@
+/VALUATION_RESPONSE/VALUATION/@AppraisalEffectiveDate
+
+10
+
+Date/Time
+
+UAD Requirement - Refer to Appendix D Appraiser Certification Section
+Note: This data is referenced more than once on the form (field 2-135) and must be
+represented consistently.
+
+Data Format:
+yyyy-mm-dd
+
+PDF Display Format:
+mm/dd/yyyy
+
+APPRAISER
+CERTIFICATION
+
+Appraiser
+State Certification #
+
+Appraiser License
+Identifier
+
+State license number of the appraiser who
+completed the final estimate of value for
+the subject property.
+
+/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICEN
+SE[@_Type=‘Certificate’]/@_Identifier
+
+50
+
+String
+
+UAD Requirement – Refer to Appendix D Appraiser Certification Section
+
+APPRAISER
+CERTIFICATION
+
+Appraiser
+or State License #
+
+APPRAISER
+CERTIFICATION
+
+Appraiser
+or Other (describe)
+
+APPRAISER
+CERTIFICATION
+
+Appraiser
+State #
+
+Appraiser License
+Identifier
+
+State license number of the appraiser who
+completed the final estimate of value for
+the subject property.
+
+Appraiser License
+Type Other
+Description
+
+A free form text field used to capture
+additional information when Other is
+selected for Appraisal License Type.
+
+Appraiser License
+Identifier
+
+State license number of the appraiser who
+completed the final estimate of value for
+the subject property.
+
+/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICEN
+SE[@_Type=‘License’]/@_Identifier
+
+/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICEN
+SE[@_Type=‘Other’]/@_TypeOtherDescription
+
+/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICEN
+SE[@_Type=‘Other’]/@_Identifier
+
+APPRAISER
+CERTIFICATION
+
+Appraiser
+State
+
+Appraiser License
+State
diff --git a/chunks/txt/c14668e4ff21d1b96aea4bea5a0237a3c73e3ff52713cfe33e40b2ca3716b356.txt b/chunks/txt/c14668e4ff21d1b96aea4bea5a0237a3c73e3ff52713cfe33e40b2ca3716b356.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c20c88c28c43ab129403932737d4b55265cceed0
--- /dev/null
+++ b/chunks/txt/c14668e4ff21d1b96aea4bea5a0237a3c73e3ff52713cfe33e40b2ca3716b356.txt
@@ -0,0 +1,15 @@
+[Follow](https://www.linkedin.com/login?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&fromSignIn=true&trk=top-card_top-card-secondary-button-top-card-secondary-cta)
+
+- [![image]() ![image]() ![image]()
+
+View all 700 employees](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fsearch%2Fresults%2Fpeople%2F%3FfacetCurrentCompany%3D%255B354523%255D&trk=org-employees_cta_face-pile-cta)
+
+- [Report this company](/uas/login?fromSignIn=true&session_redirect=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Ffhfa&trk=top-card_ellipsis-menu-semaphore-sign-in-redirect&guestReportContentType=COMPANY&_f=guest-reporting)
+
+## About us
+
+The Federal Housing Finance Agency (FHFA) is an independent government agency responsible for overseeing $6.2 trillion in the housing finance marketplace. FHFA’s mission is to ensure a stable and reliable source of funding for homeownership in the United States by regulating Fannie Mae, Freddie Mac and the Federal Home Loan Bank System. FHFA has acted as conservator of Fannie Mae and Freddie Mac since September 2008. As a member of the Financial Stability Oversight Council, FHFA collaborates with other regulators to create the market rules that protect and balance the interests of all stakeholders in the housing finance system, including banks, investors, and homeowners. FHFA Privacy Policy: go.usa.gov/kQh9
+
+Website [http://www.fhfa.gov](https://www.linkedin.com/redir/redirect?url=http%3A%2F%2Fwww%2Efhfa%2Egov&urlhash=5ICf&trk=about_website) External link for Federal Housing Finance Agency
+
+Industry Government Administration
diff --git a/chunks/txt/c15ee254f67314ce8b3fa3e0dbadc8912a2b7c386cdac79f4c21d1a1c2247755.txt b/chunks/txt/c15ee254f67314ce8b3fa3e0dbadc8912a2b7c386cdac79f4c21d1a1c2247755.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d90893f2c067b70151b75e12f0a4dc353545c8fd
--- /dev/null
+++ b/chunks/txt/c15ee254f67314ce8b3fa3e0dbadc8912a2b7c386cdac79f4c21d1a1c2247755.txt
@@ -0,0 +1,38 @@
+affordable program.
+
+App Info: Deprecated: replaced with Loan Affordable Indicator
+
+Notes: These examples are a representative sample of the reasons why MISMO
+data points are retired. In the first case, the data point was made
+unnecessary by the new, modular structure of the v3.0 Reference Model.
+In the second case, the sponsoring entity no longer required the data
+point. In Case 3, the data point was re-named.
+
+2. Deprecated Containers
+
+The “Deprecated Containers” worksheet provides an alphabetical list of retired
+containers in Column A, with the associated definition, if available, in Column B, the
+URN in Column C, and Count and Parent containers in Column D. No explanation is
+given about the disposition of the containers. The “Deprecated Containers” worksheet
+simply notes the container’s exclusion from the V3.0 Reference Model.
+
+F. Additions: The Extension Container
+
+Each container in the V3.0 Reference Model has a child EXTENSION container. The
+EXTENSION container makes it possible to add additional content yet still validate against
+the MISMO standardized schema.
+
+EXTENSION containers can have multiple child containers, and any number of data points
+within either a childless EXTENSION container or each child container. Business partners
+needing to add data to the MISMO standard must use the EXTENSION container and should
+check with MISMO for the proper procedure for doing so.
+
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 65 of 76
+
+Section VII. Glossary
+
+VII. Glossary
diff --git a/chunks/txt/c160eb106ae1d91ad01b00e3dcb9abe949cfbe32d086301c3e2d4dddc8a3767b.txt b/chunks/txt/c160eb106ae1d91ad01b00e3dcb9abe949cfbe32d086301c3e2d4dddc8a3767b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dd4ba33f8125adaf2891449c69a604903386980e
--- /dev/null
+++ b/chunks/txt/c160eb106ae1d91ad01b00e3dcb9abe949cfbe32d086301c3e2d4dddc8a3767b.txt
@@ -0,0 +1,23 @@
+**Links:**
+
+---
+
+[*Credit Risk Transfer Progress Report Fourth Quarter 2023* (4/11/2024)](/sites/default/files/2024-04/CRT-Progress-Report-4Q23.pdf)
+
+[*Credit Risk Transfer Progress Report Fourth Quarter 2022* (5/31/2023)](/sites/default/files/2024-01/CRT-Progress-Report-4Q22.pdf)
+
+[*Credit Risk Transfer Progress Report Fourth Quarter 2021* (5/2/2022)](/sites/default/files/2023-04/CRT-Progress-Report-4Q21.pdf)
+
+[FHFA Announces Final Rule Amending the Enterprise Regulatory Capital Framework (2/25/2022)](/node/10526/)
+
+[Final Rule: Enterprise Regulatory Capital Framework - Prescribed Leverage Buffer Amount and Credit Risk Transfer (2/25/2022)](/regulation/federal-register/final-rule/enterprise-regulatory-capital-framework-prescribed-leverage-buffer-amount-and-credit-risk-transfer)
+
+[Fact Sheet: Final Rule to Amend the Enterprise Regulatory Capital Framework (2/25/2022)](/sites/default/files/2023-05/Fact-Sheet-Final-Rule-CRT_2252022_1.pdf)​
+
+[​Enterprise Capital Credit Risk Transfer Tool (XLS) (2/25/2022)](/sites/default/files/Enterprise-Capital-CRT-Tool-02252022.xlsx)​
+
+[FHFA Issues Notice or Proposed Rulemaking to Amend the Enterprise Regulatory Capital Framework (9/15/2021)](/node/10331)
+
+[Proposed Rule: Amendments to the Enterprise Regulatory Capital Framework Rule - Prescribed Leverage Buffer Amount and Credit Risk Transfer (9/15/2021)](/regulation/federal-register/proposed-rulemaking/amendments-to-the-enterprise-regulatory-capital-framework-rule)
+
+[Fact Sheet: Proposed Rule to Amend Enterprise Regulatory Capital Framework (9/15/2021)](/sites/default/files/2023-03/fact-sheet-capital-npr.pdf)
diff --git a/chunks/txt/c16582c078f44fc0597ebafe09a2e5d014f334a232aa5abe7aad2feb3151c4cf.txt b/chunks/txt/c16582c078f44fc0597ebafe09a2e5d014f334a232aa5abe7aad2feb3151c4cf.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e90671c1f4c1eca5dc6b0d194455a36af25e00ab
--- /dev/null
+++ b/chunks/txt/c16582c078f44fc0597ebafe09a2e5d014f334a232aa5abe7aad2feb3151c4cf.txt
@@ -0,0 +1,8 @@
+---
+source_url: "https://singlefamily.fanniemae.com/learning-center/delivering/uniform-loan-delivery-dataset-uldd/appendix-c-xml-samples?utm_source=sfmc&utm_medium=email&utm_campaign=10965074&utm_term=5132820&utm_content=43147116&sfmc_id=1130701499"
+date_accessed: "2026-01-27T18:02:18.009Z"
+---
+
+[Skip to main content](#main-content)
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav
diff --git a/chunks/txt/c183948b95e9b460694ba4b237af656e6335849914ba02e7dc6f11ee75f525aa.txt b/chunks/txt/c183948b95e9b460694ba4b237af656e6335849914ba02e7dc6f11ee75f525aa.txt
new file mode 100644
index 0000000000000000000000000000000000000000..abbcc1e8e2eca6df1c306b3838f8a7f8847078a5
--- /dev/null
+++ b/chunks/txt/c183948b95e9b460694ba4b237af656e6335849914ba02e7dc6f11ee75f525aa.txt
@@ -0,0 +1,61 @@
+SB4-1.4-06, Community Land Trust Appraisal
+Requirements (06/04/2025)
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 7 of 166
+
+UAD 3.6 Policy
+
+B4-1.4-07, Mixed-Use Property Appraisal
+Requirements (06/04/2025)
+
+SB4-1.4-07, Non-Residential Use Appraisal
+Requirements for Mixed-Use Properties (06/04/2025)
+
+B4-1.4-08, Environmental Hazards Appraisal
+Requirements (06/04/2025)
+
+SB4-1.4-08, Apparent Environmental Conditions
+(06/04/2025)
+
+B4-1.4-09, Special Assessment or Community
+Facilities Districts Appraisal
+Requirements (06/04/2025)
+
+SB4-1.4-09, Special Assessment or Community
+Facilities Districts Appraisal Requirements (06/04/2025)
+
+B4-1.4-10, Value Acceptance (12/10/2025)
+
+SB4-1.4-10, Value Acceptance (12/10/2025)
+
+B4-1.4-11, Value Acceptance + Property
+Data (12/10/2025)
+
+SB4-1.4-11, Value Acceptance + Property
+Data (12/10/2025)
+
+B4-2.1-01, General Information on Project
+Standards (08/06/2025)
+
+SB4-2.1-01, General Information on Project
+Standards (08/06/2025)
+
+B4-2.2-06, Project Eligibility Review Service (PERS)
+(06/04/2025)
+
+SB4-2.2-06, Project Eligibility Review Service (PERS)
+(06/04/2025)
+
+B4-2.3-01, Eligibility Requirements for Units in PUD
+Projects (12/10/2025)
+
+SB4-2.3-01, Eligibility Requirements for Units in PUD
+Projects (12/10/2025)
+
+B5-2-02, Manufactured Housing Loan
+Eligibility (12/10/2025)
+
+SB5-2-02, Manufactured Housing Loan
+Eligibility (12/10/2025)
diff --git a/chunks/txt/c184393b83697f8cde42beb5d854e66a28893bf20d8a1d5b4ba077e5edc9cca4.txt b/chunks/txt/c184393b83697f8cde42beb5d854e66a28893bf20d8a1d5b4ba077e5edc9cca4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..980e49f0c1eabe5fb6d6e284aab2c008512979ea
--- /dev/null
+++ b/chunks/txt/c184393b83697f8cde42beb5d854e66a28893bf20d8a1d5b4ba077e5edc9cca4.txt
@@ -0,0 +1,203 @@
+Forced Warm Air
+| Natural Gas
+
+3
+
+2 | 0
+
+3
+
+2 | 0
+
+3
+
+2 | 1
+
+$(3,000)
+
+1,260 Sq. Ft.
+
+1,240 Sq. Ft.
+
+$0
+
+1,278 Sq. Ft.
+
+$0
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Exterior Quality and Condition
+
+Quality
+
+Condition
+
+Interior Quality and Condition
+
+Quality
+
+Condition
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Overall Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Quality
+
+Condition
+
+Property Amenities
+
+Outdoor Living
+
+Vehicle Storage
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Type | Spaces | Detail
+
+Driveway | 3 | Concrete
+
+Driveway | 4 | Concrete
+
+Driveway | 2 | Concrete
+
+Deck
+
+Deck
+
+Deck | Portico
+
+$(2,500)
+
+$0
+
+$0
+
+—
+
+—
+
+—
+
+—
+
+—
+
+Q4
+
+C3
+
+Appraisal Version #2Fannie Mae | Freddie Mac September 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5)
+
+Uniform Residential Appraisal Report
+
+Page 13 of 19
+Page 13 of 19
+
+Sales Comparison Approach (continued)
+
+Property Address
+
+213 Tree Stand Rd
+Anytown, MD 09992
+
+849 Jolly Ave
+Anytown, MD 09992
+
+342 Trail Dr
+Anytown, MD 09992
+
+Subject Property
+
+Comparable #4
+
+Comparable #5
+
+Summary
+
+List Price
+
+Sale Price
+
+Net Adjustment Total
+
+Price Per Finished Area
+Above Grade
+
+Adjusted Price
+
+Comparable Weight
+
+—
+
+$362,500
+
+$360,000
+
+$0
+
+$290
+
+$360,000
+
+Most
+
+$369,900
+
+$365,000
+
+$(5,500)
+
+$286
+
+$359,500
+
+Most
+
+Indicated Value by Sales Comparison Approach
+
+Indicated Value
+
+$350,000
+
+Reconciliation of Sales Comparison Approach
+
+The comparables contain 3 bedrooms and were built in approximately the same time period, offering similar overall utility. No time
+adjustments were warranted as there has been no recent measurable change in market prices. Most emphasis is placed on comparables 4 and
+5, which although located further away are still within the subject’s market area.
diff --git a/chunks/txt/c185b6aba0668e88f4f50a0682bc8318fd388b8dbaec9350062530b4c0a830e1.txt b/chunks/txt/c185b6aba0668e88f4f50a0682bc8318fd388b8dbaec9350062530b4c0a830e1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..eba6ce23fe92d19f750365a79d7a6addc535e6a4
--- /dev/null
+++ b/chunks/txt/c185b6aba0668e88f4f50a0682bc8318fd388b8dbaec9350062530b4c0a830e1.txt
@@ -0,0 +1,80 @@
+The dwelling is a structure constructed
+in a manner reflecting a lack of basic
+architectural designs and may not meet
+local building standards. The materials
+and amenities are low quality, alternate,
+or non‐customary; or whose
+construction or installation reflects
+unskilled workmanship and may not be
+adequately equipped to support year‐
+round occupancy. Q6 dwellings may be
+rare or even non‐existent in many
+communities.
+
+
+
+
+
+
+
+Large general living areas or main bedroom
+with all other rooms sufficiently sized.
+Some rooms may have vaulted ceilings, and
+custom design elements such as built‐ins,
+upgraded trim, finishes, mouldings and wall
+treatments.
+Upgraded or high‐grade floor coverings
+that exceed the quality and durability of
+standard‐grade.
+
+ Moderately sized kitchens featuring
+upgraded appliances, cabinetry and
+countertops or a mix of upgraded and high‐
+grade elements.
+
+ Multiple bathrooms of moderate size with
+some bathrooms specifically dedicated to
+certain bedrooms as well as at least one
+common bathroom; containing upgraded
+cabinetry and plumbing fixtures or a
+mixture of upgraded and high‐end
+elements.
+
+
+
+
+
+Sufficiently sized rooms typically with flat
+ceilings and some vaulted ceilings in larger
+rooms, some trim or finishes of basic
+design.
+Standard floor coverings that exceed the
+quality and durability of economy grade.
+
+ Moderately sized kitchens featuring
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+standard‐grade appliances, cabinetry and
+countertops or a mix of economy and
+upgraded elements.
+Usually featuring multiple bathrooms of
+moderate size containing standard‐grade
+cabinetry and plumbing fixtures or a
+mixture of economy and upgraded
+elements.
diff --git a/chunks/txt/c18a09c70f82d0056ab2e0b89ee462f9c778dd7c2a0fa650f652d4c99373790a.txt b/chunks/txt/c18a09c70f82d0056ab2e0b89ee462f9c778dd7c2a0fa650f652d4c99373790a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..301cc54d9ce73b9e55a6ae0c64977e62133e064e
--- /dev/null
+++ b/chunks/txt/c18a09c70f82d0056ab2e0b89ee462f9c778dd7c2a0fa650f652d4c99373790a.txt
@@ -0,0 +1,25 @@
+Page 5
+
+Introduction
+
+The Uniform Appraisal Dataset (UAD) is a standardized industry dataset for appraisal information that is transmitted electronically through the Uniform
+Collateral Data Portal® (UCDP®). At the direction of the Federal Housing Finance Agency (FHFA), Fannie Mae and Freddie Mac (the government-
+sponsored enterprises or GSEs) jointly developed the first UAD in 2010 using the Mortgage Industry Standards Maintenance Organization (MISMO®)
+Reference Model 2.6, providing consistent data standards for the loans the GSEs purchase.
+
+The dataset is being updated to reflect changes to the appraisal industry, address future appraisal needs, and facilitate ongoing digitization in the
+appraisal process and the mortgage industry.
+
+Standardizing the data was critical to evaluating risk at a macro level in the Legacy UAD. The new dataset will take this advancement even further by:
+
+• Creating consistent enumerated fields.
+• Keeping the related data together in each section for an easy-to-read report.
+• Conditionality driving what sections appear on the final output, eliminating the need for multiple forms to support different property and
+
+assignment types.
+
+The updated UAD will help the appraiser more accurately report the characteristics of the subject property and comparables, be more scalable and
+flexible than the Legacy forms, help appraisers comply with the Uniform Standards of Appraisal Practice (USPAP), and better define the Scope of Work.
+
+In addition, appraisal data is currently submitted to the GSEs using the MISMO Reference Model 2.6, which is outdated and no longer supported by
+MISMO. As part of this update, the UAD will conform to the latest MISMO Reference Model (3.6).
diff --git a/chunks/txt/c18cd355bcab546d8c44bb0cb0bbfab7bf17f5aa0075cb0055e4b7b7184aee68.txt b/chunks/txt/c18cd355bcab546d8c44bb0cb0bbfab7bf17f5aa0075cb0055e4b7b7184aee68.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b2a012ce10944bdebb232349e8ea62d71b4fa64f
--- /dev/null
+++ b/chunks/txt/c18cd355bcab546d8c44bb0cb0bbfab7bf17f5aa0075cb0055e4b7b7184aee68.txt
@@ -0,0 +1,34 @@
+Desktop Underwriter/Desktop Originator Release Notes
+DU Version 11.1
+
+Jan. 25, 2023
+
+During the weekend of Feb. 25, 2023, Fannie Mae will implement Desktop Underwriter® (DU®) Version 11.1, which will include
+the changes described below.
+
+The changes in this release will apply to new loan casefiles submitted to DU on or after the weekend of Feb. 25, 2023. Loan
+casefiles created in DU Version 11.0 and resubmitted after the weekend of Feb. 25 will continue to be underwritten through DU
+Version 11.0.
+
+The changes in this release include the following:
+▪ DU Risk and Eligibility Assessment Update
+▪ HomeStyle® Renovation Update
+▪ Rent Payment Identification on Third-Party Asset Verification Reports
+▪ Cash Flow Assessment
+▪ Updates to Align with the Selling Guide
+▪ Retirement of DU Version 10.3
+
+DU Risk and Eligibility Assessment Update
+
+As part of normal business operations and prudent risk management, we regularly review and adjust the DU risk assessment
+based on the latest market and loan performance data. DU Version 11.1 will include an updated risk assessment that will fine-
+tune DU’s ability to assess risk while fostering homeownership sustainability. This update will continue to help lenders
+underwrite with confidence.
+
+We anticipate that these changes may yield a reduction in loan casefiles receiving an Approve/Eligible recommendation, with the
+most noticeable reduction on loan casefiles with high LTV ratios and high DTI ratios when multiple high-risk factors are present.
+
+Certain loan casefiles that meet our affordable housing mission initiatives will continue to be excluded from receiving an
+Approve/Ineligible recommendation due to a combination of product features and risk factors being present. This population
+includes specific housing goals-eligible loans, loans purchased under various Duty to Serve initiatives, as well as other loans
+securing properties that support affordable supply within their market.
diff --git a/chunks/txt/c193b26a9df9fbc4cc6c1af1aac0f44ba9b4d0bfa2093663cf1b7cdc641753fb.txt b/chunks/txt/c193b26a9df9fbc4cc6c1af1aac0f44ba9b4d0bfa2093663cf1b7cdc641753fb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..36230dbc32687023e44cfccaff982195a7301137
--- /dev/null
+++ b/chunks/txt/c193b26a9df9fbc4cc6c1af1aac0f44ba9b4d0bfa2093663cf1b7cdc641753fb.txt
@@ -0,0 +1,31 @@
+27. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable
+federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation
+of my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is
+enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.
+
+28. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties
+including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar
+state laws.
+
+29. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this assignment.
+
+Signature
+
+Appraiser
+John Appraiser
+John Appraiser
+
+03/15/2024
+Date of Signature and Report
+
+Level
+ID
+State
+Expires
+
+Certified Residential
+03-XXXXXX
+MD
+12/31/2025
+
+Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K
diff --git a/chunks/txt/c19878ecbcf135b631e8dd6c293596ace139664f44dae58c23e22632955a56b4.txt b/chunks/txt/c19878ecbcf135b631e8dd6c293596ace139664f44dae58c23e22632955a56b4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9dff0b0c7b4e99a37dcee75542c040d4bae9fe85
--- /dev/null
+++ b/chunks/txt/c19878ecbcf135b631e8dd6c293596ace139664f44dae58c23e22632955a56b4.txt
@@ -0,0 +1,47 @@
+Adjustments
+
+Adjustments in the Sales Comparison Approach are either:
+
+• At the row level (Figure 22 - 3), or
+• An overall adjustment (Figure 22 - 4) at the subsection level, or
+•
+
+In the case of Outbuilding, an adjustment for each instance of Outbuilding Type (Figure 22 - 5).
+
+In all cases a ComparableAdjustmentType must be included. Adjustments are provided using ComparableAdjustmentAmount (UID:
+1800.0317) AND ComparableAdjustmentType (UID: 1800.0318). Adjustments must be delivered in the XML even if the amount is zero (0).
+
+Reference the “Supplement - Approaches to Value Grids” spreadsheet for specifics.
+
+• An adjustment at the row level:
+
+Figure 22 - 3
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+• An overall adjustment:
+
+Figure 22 - 4
+
+Page 280
+
+• An adjustment for each instance of Outbuilding Type:
+
+Figure 22 - 5
+
+Sales Comparison Approach displays when SalesComparisonApproachIndicator (UID: 1000.0032, FID: Not on report) = "true". Although the
+majority of appraisals include the Sales Comparison Approach, there are cases where this section would not be included.
+
+• The Sales Comparison Approach section always begins at the top of a page.
+• Comparable # - the PropertyOrdinalNumber (UID: 1800.0192, FID: 22.01.16) must be indicated.
+• Display the subject property and 3 comparable properties on the first page.
+
+o
+
+If additional comps are provided, display the subject and comparables on subsequent pages.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+o The scenario for Condo1 (Figure 22 - 6) provides an example of 4 comparable properties.
+
+▪ Only the grid for Comp 4 displays with the subject.
diff --git a/chunks/txt/c1aa2f28a9718e36607e5f1a6a791d9ddbf4e29590af772c4f128b6ee2b2c330.txt b/chunks/txt/c1aa2f28a9718e36607e5f1a6a791d9ddbf4e29590af772c4f128b6ee2b2c330.txt
new file mode 100644
index 0000000000000000000000000000000000000000..441839ff111971dbf1977e18da27a960136325fb
--- /dev/null
+++ b/chunks/txt/c1aa2f28a9718e36607e5f1a6a791d9ddbf4e29590af772c4f128b6ee2b2c330.txt
@@ -0,0 +1,43 @@
+VA
+
+Appraiser
+
+AppraisalFee
+
+0
+
+Bob
+
+Borrower
+
+Borrower
+
+Betty
+
+Borrower
+
+Borrower
+
+Jane
+
+Doe
+
+PropertySeller
+
+PropertyOwner
+
+Valuation
+
+2019-09-08
+
+\\SF3_Appraisal_v1.3.pdf
+
+application/pdf
+
+1
+
+AppraisalReport
+
+FNM_FRE
+
+September 2024
diff --git a/chunks/txt/c1b64d0dadc9a63ae98c141843c9cbe58ef8ee1b93dcfc93ed5dc82dadb811ac.txt b/chunks/txt/c1b64d0dadc9a63ae98c141843c9cbe58ef8ee1b93dcfc93ed5dc82dadb811ac.txt
new file mode 100644
index 0000000000000000000000000000000000000000..61693b0d1f4e3f1c15d850b1bce2260d20b372de
--- /dev/null
+++ b/chunks/txt/c1b64d0dadc9a63ae98c141843c9cbe58ef8ee1b93dcfc93ed5dc82dadb811ac.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/regulation/rulemaking"
+date_accessed: "2026-01-27T17:54:20.427Z"
+---
+
+> *[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)
diff --git a/chunks/txt/c1bcc55e7267b0879cb7507f0782f64390f72e298a27b0436038d5e85e248186.txt b/chunks/txt/c1bcc55e7267b0879cb7507f0782f64390f72e298a27b0436038d5e85e248186.txt
new file mode 100644
index 0000000000000000000000000000000000000000..934120f3b93924babdeefb9ed25c085e1c122de3
--- /dev/null
+++ b/chunks/txt/c1bcc55e7267b0879cb7507f0782f64390f72e298a27b0436038d5e85e248186.txt
@@ -0,0 +1,39 @@
+[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
+
+# Chief FOIA Officer Report
+
+## Breadcrumb
+
+- [Home](/)
+ - [Reports](/reports)
+ - Chief FOIA Officer Report
+
+FHFA is committed to providing access to Agency records through a citizen-centered and results-oriented FOIA program. FHFA has a decentralized FOIA system, as each component (FHFA Headquarters (FHFA-HQ) and FHFA Office of Inspector General (FHFA-OIG)) maintains and processes its own records in response to FOIA requests.
diff --git a/chunks/txt/c1c90f56101721201af3f5dda83be106c0bb5b79229313a629bb5897d70b103d.txt b/chunks/txt/c1c90f56101721201af3f5dda83be106c0bb5b79229313a629bb5897d70b103d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..93adf3f8eef90e95824f7244668f6e8350c9ad74
--- /dev/null
+++ b/chunks/txt/c1c90f56101721201af3f5dda83be106c0bb5b79229313a629bb5897d70b103d.txt
@@ -0,0 +1,91 @@
+This is where the Comparable 4 photo would display.
+
+Comparable #5
+
+This is where the Comparable 5 photo would display.
+
+Reconciliation
+
+Approaches to Value
+
+Indicated Value
+
+Reason for Exclusion
+
+Sales Comparison Approach
+$350,000
+
+Income Approach
+
+Cost Approach
+
+Not Necessary for Credible Results
+
+Not Necessary for Credible Results
+
+Appraisal Summary
+
+Opinion of Market Value
+Market Value Condition
+
+$350,000
+As Is
+
+Reasonable Exposure Time
+Effective Date of Appraisal
+
+30-60 days
+03/03/2024
+
+Reconciliation of Market Value
+
+Utilize this subsection for additional commentary as required by USPAP.
+
+Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K
+
+Uniform Residential Appraisal Report
+
+Page 16 of 19
+Page 16 of 19
+
+Reconciliation (continued)
+
+Apparent Defects, Damages, Deficiencies
+
+None
+
+Revision History
+
+Revision Date
+03/15/2024
+
+URAR Section
+Sales Comparison Approach
+
+03/15/2024
+
+Reconciliation
+
+Reconsideration of Value
+
+Type
+Date
+
+Borrower-Initiated
+03/15/2024
+
+Description
+The comparables provided from the borrower-initiated ROV were reviewed
+and considered. Two sales were deemed reliable and put in the sales grid,
+which increased the Indicated Value by Sales Comparison Approach. One was
+deemed less reliable and added to Additional Properties Analyzed Not Used.
+
+Due to the increase in Indicated Value by Sales Comparison
+Approach, the Opinion of Value changed.
+
+Result
+
+Value Change
+
+Reconsideration of Value Commentary The borrower provided 3 sales which were not in Hilltop Hills but were within the market area. After
+analyzing the sales provided and adding comps 4 and 5 to the sales grid, there was support for a change in value.
diff --git a/chunks/txt/c1dada82329683446b07018c9db5c31e509b4b568b2693a162a5367cabb8026c.txt b/chunks/txt/c1dada82329683446b07018c9db5c31e509b4b568b2693a162a5367cabb8026c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..01500ab8e30448e7ca5f8e5e9560306319c67da8
--- /dev/null
+++ b/chunks/txt/c1dada82329683446b07018c9db5c31e509b4b568b2693a162a5367cabb8026c.txt
@@ -0,0 +1,84 @@
+20
+
+String
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SAL
+E_PRICE_ADJUSTMENT[@_Type='DesignStyle']/@_Amount
+
+10
+
+Money
+
+306
+
+2
+
+68
+
+SALES
+COMPARISON
+APPROACH
+
+Quality of Construction
+
+GSE Quality Of
+Construction Rating
+Type
+
+The overall rating of the property's
+quality of construction.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM
+PARISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSI
+ON_SECTION[@ExtensionSectionOrganizationName='UNIFORM
+APPRAISAL
+DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/
+COMPARISON_DETAIL/@GSEQualityOfConstructionRatingType
+
+2
+
+Enumerated
+
+Allowable Values
+Q1
+Q2
+Q3
+Q4
+Q5
+Q6
+
+Allowable Values PDF Display
+WaterView Wtr
+PastoralView Pstrl
+WoodsView Woods
+ParkView Prk
+GolfCourseView Glfvw
+CityViewSkylineView CtySky
+MountainView Mtn
+ResidentialView Res
+CityStreetView CtyStr
+IndustrialView Ind
+PowerLines PwrLn
+LimitedSight LtdSght
+Other *
+
+*See field e-7 directly below.
+
+At least one but no more than two values are
+required.
+
+R
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+If a view factor not on the list provided materially affects the value of the property,
+the appraiser must select 'Other' and enter a description of the view associated with
+the property. Free-form descriptions should be entered carefully because data will be
+truncated on the appraisal report form if it exceeds available space for that field.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
diff --git a/chunks/txt/c1e30cf292b3526b9d8cab91c0eb28573ae5faee58736bf8797599a07ea37426.txt b/chunks/txt/c1e30cf292b3526b9d8cab91c0eb28573ae5faee58736bf8797599a07ea37426.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b34910a7305d91d71ceebf968e5dd37a8a03e274
--- /dev/null
+++ b/chunks/txt/c1e30cf292b3526b9d8cab91c0eb28573ae5faee58736bf8797599a07ea37426.txt
@@ -0,0 +1,39 @@
+[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)
+ - Duty To Serve Eligibility Data
+
+# Duty to Serve Eligibility Data
+
+The [Duty to Serve Program](/programs/duty-to-serve) will award Duty to Serve credit for eligible activities that address the housing needs of very low-, low-, and moderate income families with incomes no greater than 100 percent of the area median income. Certain eligible activities are tied to specific high needs and high opportunity ar​eas as defined by the Duty to Serve regulation. These areas include:
diff --git a/chunks/txt/c1f8695418321fb630dff11db7824e14130affea1986712eff37af14461e9326.txt b/chunks/txt/c1f8695418321fb630dff11db7824e14130affea1986712eff37af14461e9326.txt
new file mode 100644
index 0000000000000000000000000000000000000000..088c997f792f09e8181d59942e2441c4794d00ad
--- /dev/null
+++ b/chunks/txt/c1f8695418321fb630dff11db7824e14130affea1986712eff37af14461e9326.txt
@@ -0,0 +1,139 @@
+Wet Bar
+
+InteriorAndExteriorAccess
+
+WalkOut
+
+FullyBelowGrade
+
+1344
+
+BelowGradeOne
+
+616
+
+AboveGrade
+
+1960
+
+LevelOne
+
+0
+
+AboveGrade
+
+1344
+
+LevelTwo
+
+0
+
+0
+
+616
+
+0
+
+0
+
+3304
+
+1344
+
+false
+
+5
+
+3
+
+1
+
+C4
+
+Q4
+
+3
+
+Mid Grade Finishes
+
+ModeratelyUpdated
+
+Similar
+
+Primary Dwelling
+
+false
+
+Vacant
+
+The 1st floor primary bedroom bath was gut renovated approximately 2 - 3 years ago with upgrades to the shower, addition of a large soaking tub, upgraded ceramic tile in the shower and floors, custom built vanity with marble countertop and upgraded fixtures and lighting. The kitchen cabinets were re-faced, and new solid surface countertops installed along with new appliances and lighting fixtures. The carpet was replaced throughout approximately 5 - 6 years ago with upgraded carpet on the first floor (including primary bedroom) and basement family room. The 2nd floor carpeting was also replaced, however with standard grade carpet. The vinyl floors in the 2nd floor baths were replaced with standard grade vinyl 6 years ago.
+
+false
+
+BelowGradeOne
+
+Den
+
+BelowGradeOne
+
+Den
+
+BelowGradeOne
+
+FamilyRoom
+
+Bath 1
+
+\\Images\SF3_FullBath1.png
+
+image/png
+
+BelowGradeOne
+
+Recently received a gut renovation
+
+NewOrLikeNew
+
+Upgraded fixtures, flooring, and wainscoting
+
+FullBathroom
+
+OneToFiveYears
+
+FullyUpdated
+
+LevelOne
+
+Bedroom
+
+\\Images\SF3_DiningRoom.png
+
+image/png
+
+LevelOne
+
+DiningRoom
+
+LevelOne
+
+FamilyRoom
+
+\\Images\SF3_HalfBath.png
+
+image/png
+
+LevelOne
+
+Recent update and upgrade
+
+NewOrLikeNew
+
+Upgraded fixtures and updated flooring
+
+HalfBathroom
+
+OneToFiveYears
+
+PartiallyUpdated
+
+\\Images\SF3_Kitchen.png
diff --git a/chunks/txt/c1f9f7bdc225b2c9bcde649707cff156e4ab2292195b125b8006f1d96eacc088.txt b/chunks/txt/c1f9f7bdc225b2c9bcde649707cff156e4ab2292195b125b8006f1d96eacc088.txt
new file mode 100644
index 0000000000000000000000000000000000000000..194aaa970d5068e616864a31bed9f62c17fae9fc
--- /dev/null
+++ b/chunks/txt/c1f9f7bdc225b2c9bcde649707cff156e4ab2292195b125b8006f1d96eacc088.txt
@@ -0,0 +1,75 @@
+- When there are multiple accessibility features, each feature will display on a
+
+separate row.
+
+10.051
+
+Comment
+
+0700.0007
+
+AccessibilityModificationDescription
+
+Display when AccessibilityFeatureType <> "None" AND Exists
+
+Figure 10 - 12
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Apparent Defects, Damages, Deficiencies (Unit Interior - [Outbuilding Type] - [Structure Identifier] - [Unit Identifier])
+
+The Apparent Defects, Damages, Deficiencies (Unit Interior) subsection always displays. (Figure 10 - 13)
+
+Page 193
+
+Report
+Field ID
+
+Report Label
+
+Unique ID MISMO Data Point/Attribute Name
+
+Display Rules
+
+Unit Interior: Apparent Defects, Damages, Deficiencies (Unit Interior)
+
+Apparent Defects, Damages, Deficiencies Unit Interior – [Outbuilding
+Type] – [Structure Identifier] – [Unit Identifier]
+
+Subsection header (gray bar) always displays.
+
+−
+
+The information will redisplay from the Unit Interior section header (black tab) when a specific unit has
+apparent defects, damages, deficiencies.
+
+− When there is only one Dwelling Unit, display as 'Apparent Defects, Damages, Deficiencies - Unit Interior'.
+− When there are multiple Dwelling Units, display as 'Apparent Defects, Damages, Deficiencies - Unit Interior' -
+
+[Outbuilding Type] - [Structure Identifier] - [Unit Identifier] as applicable.
+
+10.052 Outbuilding Type
+
+0300.0025 OutbuildingType
+
+10.053
+
+Structure Identifier
+
+0300.0101
+
+StructureIdentifier
+
+10.054
+
+Unit Identifier
+
+0700.0114 UnitIdentifier
+
+Display when ImprovementType = "Outbuilding"
+Display when DwellingCount > 1 OR OutbuildingCount > 1
+
+-
+
+Structure Identifier redisplays from the Dwelling Exterior or Outbuilding section.
+Display when LivingUnitExcludingADUCount > 1 OR AccessoryDwellingUnitTotalCount > 0
diff --git a/chunks/txt/c1fa386d38d0db962d1f0d0b46d34967027bc5dd2451f440a28a484c5cc3657c.txt b/chunks/txt/c1fa386d38d0db962d1f0d0b46d34967027bc5dd2451f440a28a484c5cc3657c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..05724fbb28bcce0a51049a8f6781212a784ca8bb
--- /dev/null
+++ b/chunks/txt/c1fa386d38d0db962d1f0d0b46d34967027bc5dd2451f440a28a484c5cc3657c.txt
@@ -0,0 +1,121 @@
+The state in which the appraiser is
+licensed.
+
+/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICEN
+SE/@_State
+
+50
+
+25
+
+20
+
+2
+
+One and only one of the fields 6-13, 6-14, 6-16
+(Appraiser License Identifier and values of
+Appraiser License Type) is required unless the
+value of field 6-15 is 'trainee'.
+One and only one of the fields 6-13, 6-14, 6-16
+(Appraiser License Identifier and values of
+Appraiser License Type) is required unless the
+value of field 6-15 is 'trainee'.
+
+String
+
+UAD Requirement – Refer to Appendix D Appraiser Certification Section
+
+String
+
+UAD Requirement – Refer to Appendix D Appraiser Certification Section
+
+Required if field 6-16 is populated
+
+String
+
+String
+
+Should conform to USPS (Pub 28). The following address element should be
+included in this field:
+• USPS two-letter state or territory representation
+UAD Requirement - Refer to Appendix D Appraiser Certification Section
+
+One and only one of the fields 6-13, 6-14, 6-16
+(Appraiser License Identifier and values of
+Appraiser License Type) is required unless the
+value of field 6-15 is 'trainee'.
+
+APPRAISER
+CERTIFICATION
+
+Appraiser
+Expiration Date of Certification
+or License
+
+Appraiser License
+Expiration Date
+
+The expiration date of the appraiser's
+license.
+
+/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICEN
+SE/@_ExpirationDate
+
+12
+
+Date/Time
+
+Data Format:
+yyyy-mm-dd
+
+This field is required unless the value of field (6-
+15) is 'trainee' and fields 6-13,6-14, and 6-16
+are not populated,
+
+467
+
+468
+
+469
+
+470
+
+471
+
+472
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+13
+
+14
+
+15
+
+16
+
+17
+
+18
+
+473
+
+6
+
+19
+
+APPRAISER
+CERTIFICATION
+
+ADDRESS OF PROPERTY
+APPRAISED
diff --git a/chunks/txt/c204b584997f5e62056bac83e799b981f54cb2e02daf71960127facf3f8c823f.txt b/chunks/txt/c204b584997f5e62056bac83e799b981f54cb2e02daf71960127facf3f8c823f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bccf22b2a72d69e5b85d50972ff34eb5eaaa805b
--- /dev/null
+++ b/chunks/txt/c204b584997f5e62056bac83e799b981f54cb2e02daf71960127facf3f8c823f.txt
@@ -0,0 +1,129 @@
+String
+
+This field should indicate the floor on which the unit is located.
+
+CR
+
+T
+
+CR
+
+T
+
+CR
+
+T
+
+CR
+
+T
+
+CR
+
+T
+
+Form FNM 1075 FRE 466
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 159 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
+
+411
+
+3
+
+76
+
+SALES
+COMPARISON
+APPROACH
+
+Floor Location Adjustment
+
+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.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_
+ADJUSTMENT[@_Type='FloorLocation']/@_Amount
+
+412
+
+3
+
+e-5
+
+SALES
+COMPARISON
+APPROACH
+
+View
+
+(Overall Rating)
+
+GSE View Overall
+Rating Type
+
+The overall rating of the view associated
+with the property.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON
+_VIEW_OVERALL_RATING_EXTENSION/COMPARISON_VIEW_OVERAL
+L_RATING_EXTENSION_SECTION[@ExtensionSectionOrganizationName='U
+NIFORM APPRAISAL
+DATASET']/COMPARISON_VIEW_OVERALL_RATING_EXTENSION_SEC
+TION_DATA/COMPARISON_VIEW_OVERALL_RATING/@GSEViewOveral
+lRatingType
+
+Data Point Field
+Length
+
+10
+
+10
+
+Format
+
+Money
+
+Implementation Notes
+
+Conditionality Description
+
+Data Field
+Conditionality
+
+UAD Requirement - See Appendix D Sales Comparison Approach Section
+
+PDF Display Format:
+Whole dollars only.
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+The allowable values are listed below. When representing these values in the XML file,
+they must be shown exactly as they appear below:
diff --git a/chunks/txt/c20b297b1b3c8938238125be52f96467b864e189b1114e0453934368df67e362.txt b/chunks/txt/c20b297b1b3c8938238125be52f96467b864e189b1114e0453934368df67e362.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e47471a254ec51c2b4836002f6e532065e3a9742
--- /dev/null
+++ b/chunks/txt/c20b297b1b3c8938238125be52f96467b864e189b1114e0453934368df67e362.txt
@@ -0,0 +1,226 @@
+42'
+
+1/2
+Bath
+
+22'
+
+42'
+
+Bath
+
+Bath
+
+Kitchen
+
+Bedroom
+
+Bedroom
+
+'
+
+8
+2
+
+Bedroom
+
+Living
+Room
+
+22'
+
+'
+
+2
+
+1st Floor
+
+3
+2
+
+'
+
+2 Car Garage
+
+2
+4
+
+'
+
+'
+
+2
+3
+
+2nd Floor
+
+3
+2
+
+'
+
+Foyer
+
+42'
+
+22'
+
+Unfinished Below Grade
+
+Dining
+
+22'
+
+Bedroom
+
+Bedroom
+
+22'
+
+42'
+
+20'
+
+Finished Below Grade
+
+Living
+
+Storage
+
+2
+8
+
+'
+
+'
+
+8
+2
+
+3
+2
+
+'
+
+Family
+Room
+
+'
+
+2
+3
+
+Kitchen
+
+ADU
+
+3
+2
+
+'
+
+22'
+
+20'
+
+Bedroom
+
+Bath
+
+22'
+
+Living Area
+1st Floor
+
+2nd Floor
+
+Total Living Area (Rounded):
+Non-living Area
+2 Car Garage
+
+ADU
+
+Unfinished Below Grade
+
+Finished Below Grade
+
+Area Calculations Summary
+
+Calculation Details
+
+1960 Sq ft
+
+1344 Sq ft
+
+3304 Sq ft
+
+528 Sq ft
+
+704 Sq ft
+
+616 Sq ft
+
+640 Sq ft
+
+32 × 42 = 1344
+22 × 28 = 616
+
+42 × 32 = 1344
+
+24 × 22 = 528
+
+22 × 32 = 704
+
+28 × 22 = 616
+
+32 × 20 = 640
+
+Sketch does not represent actual dimensions of pictures, used for example only.
+
+Dwelling Exterior
+
+Subject Property Units in
+Structure
+Dwelling Style
+Front Door Elevation
+Year Built
+Construction Method
+Converted Area
+
+2
+Colonial
+1-2 Ft.
+1979
+Site Built
+None
+
+This is where the Dwelling Front photo would display.
+
+Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 6 of 22
+Page 6 of 22
+
+Dwelling Exterior (continued)
+
+Quality and Condition
+
+Exterior Quality Rating
+
+Q4
+
+Exterior Condition Rating
+
+C3
+
+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
+
+Detail
+Aluminum
diff --git a/chunks/txt/c20bb274c8cd119b153874c63a85d24e892610813bce57538e166e7a04ee857a.txt b/chunks/txt/c20bb274c8cd119b153874c63a85d24e892610813bce57538e166e7a04ee857a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..06c1f7453f57c349bb7c9953bea2fa02a53efb48
--- /dev/null
+++ b/chunks/txt/c20bb274c8cd119b153874c63a85d24e892610813bce57538e166e7a04ee857a.txt
@@ -0,0 +1,92 @@
+Cost Approach
+
+Not Necessary for Credible Results
+
+Not Necessary for Credible Results
+
+Appraisal Summary
+
+Opinion of Market Value
+Market Value Condition
+
+$778,000
+As Is
+
+Reasonable Exposure Time
+Effective Date of Appraisal
+
+90 days
+09/08/2019
+
+Reconciliation of Market Value
+
+Utilize this subsection for additional commentary as required by USPAP.
+
+Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 19 of 22
+Page 19 of 22
+
+Reconciliation (continued)
+
+Apparent Defects, Damages, Deficiencies
+
+The items listed below represent the As Is condition as of the effective date of this report
+
+Feature
+Unit Interior
+
+Location
+
+Description
+
+Affects Soundness or
+Structural Integrity
+
+Recommended
+Action
+
+Walls and Ceiling
+
+Bedroom
+
+Subject Property Amenities
+
+Peeling paint was observed in one of the
+bedrooms of unit. Appears to be typical
+deferred maintenance.
+
+No
+
+Balcony
+
+Adjacent to Living Room Balcony is functional, but shows overall age
+
+No
+
+None
+
+None
+
+and some deferred maintenance, mainly
+from the cracking of concrete. The condo
+association has systematically been moving
+throughout the building and making repairs
+as needed throughout all unit balconies.
+
+Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 20 of 22
+Page 20 of 22
+
+This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of
+assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions
+and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis
+necessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the
+certifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material
+alterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an
+appraisal organization, are permitted.
diff --git a/chunks/txt/c214413681a28cc7b60c1d1506b6fffc0b4b1a96df47f0498de68260beea1a0d.txt b/chunks/txt/c214413681a28cc7b60c1d1506b6fffc0b4b1a96df47f0498de68260beea1a0d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6c8f06b45c5b0b8c2ac17b1f61a6092088e01075
--- /dev/null
+++ b/chunks/txt/c214413681a28cc7b60c1d1506b6fffc0b4b1a96df47f0498de68260beea1a0d.txt
@@ -0,0 +1,102 @@
+Are the units, common elements, and
+recreation facilities complete (including
+any planned rehabilitation for a
+condominium conversion)?
+If No, describe
+
+Project Common
+Elements Completed
+Indicator
+
+Indicates that the common elements and
+recreation facilities in the project are
+complete.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommonElementsCom
+pletedIndicator='N']
+
+Project Common
+Elements Status
+Description
+
+A free-form text field used to comment on
+the status of the project common elements
+and/or recreation facilities.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/@_CommonElementsStatu
+sDescription
+
+4000
+
+String
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+188
+
+PROJECT
+INFORMATION
+
+Is there any commercial space in the
+project?
+Yes
+
+Project Commercial
+Space Indicator
+
+Indicates that the project contains
+commercial space.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommercialSpaceIndic
+ator='Y']
+
+189
+
+PROJECT
+INFORMATION
+
+Is there any commercial space in the
+project?
+No
+
+Project Commercial
+Space Indicator
+
+Indicates that the project contains
+commercial space.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommercialSpaceIndic
+ator='N']
+
+e-32
+
+190
+
+2
+
+3
+
+4
+
+PROJECT
+INFORMATION
+
+Is there any commercial space in the
+project?
+If Yes, describe and indicate the overall
+percentage of the commercial space.
+
+GSE Project
+Commercial Space
+Percent
+
+The overall percentage of commercial
+space in the project in which the subject
+property is located.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_EXTENSION/P
+ROJECT_EXTENSION_SECTION[@ExtensionSectionOrganizationName='UNI
+FORM APPRAISAL
+DATASET']/PROJECT_EXTENSION_SECTION_DATA/PROJECT_COMME
+RCIAL/@GSEProjectCommercialSpacePercent
diff --git a/chunks/txt/c21ca525a52108cc982bf3156f9a9cc27c3f8df103a7e20c74a1be7a081ece35.txt b/chunks/txt/c21ca525a52108cc982bf3156f9a9cc27c3f8df103a7e20c74a1be7a081ece35.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7f86d02a7ed30f3f6631efdff06ea885b17b08a8
--- /dev/null
+++ b/chunks/txt/c21ca525a52108cc982bf3156f9a9cc27c3f8df103a7e20c74a1be7a081ece35.txt
@@ -0,0 +1,7 @@
+Chapter 5: URLA (Form 1003) Sections vs. MISMO Data Structures ...................................................... 32
+
+Appendix A ................................................................................................................................................. 59
+
+Glossary of terms ................................................................................................................................ 59
+
+Appendix B ................................................................................................................................................. 60
diff --git a/chunks/txt/c224093f6d609523e97299098b34c17f3eed1f83d9809dc070aff93c98bc06fe.txt b/chunks/txt/c224093f6d609523e97299098b34c17f3eed1f83d9809dc070aff93c98bc06fe.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2c00af42ccf30847c7f794c9b6649fc38413d910
--- /dev/null
+++ b/chunks/txt/c224093f6d609523e97299098b34c17f3eed1f83d9809dc070aff93c98bc06fe.txt
@@ -0,0 +1,90 @@
+Table 10 shows that this data is in the PARTY structure providing information about the participants in the loan
+transaction. Because the name of the organization is being sought for the Settlement Agent field, the
+LEGAL_ENTITY structure is used.
+
+The UCD value for PartyRoleType does not need to be exactly what is displayed on the form--only equivalent:
+ClosingAgent ~ Settlement Agent. Additionally, these same two data points are used to populate 23.1.5 -
+Settlement Agent Name, but they appear only once in the XML file.
+
+See PARTI ES / PARTY, PARTY NAME – LEGAL_ENTITY , and PARTY RO LE TYPE in Section V.
+
+Appendix E: UCD Implementation Guide
+
+Page 32 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+1.0 Closing Information
+
+Table 10. Settlement Agent
+
+ID
+
+Form Field Name
+
+MISMO v3.3
+Context
+
+MISMO v3.3.0 Data
+
+Point/Attribute MISMO v3.3.0 Value
+
+Notes
+
+1.4 Settlement Agent
+
+…PARTY/LEGAL_ENT
+ITY_DETAIL
+
+FullName
+
+Epsilon Title
+Company
+
+…/PARTY/ROLES/RO
+LE/ROLE_DETAIL
+
+PartyRoleType
+
+ClosingAgent
+
+1. 5 FI LE #
+
+File # in Figure 7 is the identification number assigned to the transaction by the closing agent. Table 9 shows
+that this data point is also part of the closing information about the loan and is in the same conta iner with 1.2
+and 1.3.
+
+Table 11. File #
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+
+Point/Attribute MISMO v3.3.0 Value
+
+Notes
+
+1.5
+
+File #
+
+…/CLOSING_INFORM
+ATION_DETAIL
+
+ClosingAgentOrder
+NumberIdentifier
+
+12-3456
+
+1. 6 PROPERTY
+
+Depending on the availability of a street address, there are two ways to complete the Property field:
+
+a. Complete Street Address (with unit information if applicable and available)
diff --git a/chunks/txt/c23338869f9d4440fced4590786a4267419cd1e0864e57dbcab6a0d4cfb79791.txt b/chunks/txt/c23338869f9d4440fced4590786a4267419cd1e0864e57dbcab6a0d4cfb79791.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f5098135d6f3599a25610a269bb7a45caefc234e
--- /dev/null
+++ b/chunks/txt/c23338869f9d4440fced4590786a4267419cd1e0864e57dbcab6a0d4cfb79791.txt
@@ -0,0 +1,7 @@
+Mechanical System Details (H1) ......................................................................................................................... 50
+
+Apparent Defects, Damages, Deficiencies ([Outbuilding Type]) (H1) ................................................................. 51
+
+Outbuilding Commentary (H1) ........................................................................................................................... 51
+
+Outbuilding Exhibits (H1) .................................................................................................................................... 51
diff --git a/chunks/txt/c23a107bd423397cdbb720e6d4c4b0b02508e92d06f0b9f6c69bf903b7434660.txt b/chunks/txt/c23a107bd423397cdbb720e6d4c4b0b02508e92d06f0b9f6c69bf903b7434660.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ef693f3f3729ef308b4c2056231ca699481dd7ea
--- /dev/null
+++ b/chunks/txt/c23a107bd423397cdbb720e6d4c4b0b02508e92d06f0b9f6c69bf903b7434660.txt
@@ -0,0 +1,50 @@
+WARNING - EMPLOYMENT - Only one occurrence of
+Employment container with EmploymentStatusType of
+Current and EmploymentClassificationType of Primary
+is allowed per borrower (Excess occurrences of
+employment and associated incomes for the borrower
+‘BORROWER_1’ were removed from the loan
+application data).
+
+WARNING - FIPS_INFORMATION and
+CENSUS_INFORMATION – State and County codes not
+provided in loan application. Census tract will not be
+used.
+
+WARNING - PURCHASE_CREDIT- Both Purchase Credit
+Type and Purchase Credit Source Type cannot co-exist
+within the same container
+(’PurchaseCreditSourceType’ was removed from the
+loan application data).
+
+© 2024 Fannie Mae 4.17.24 1 of 2
+
+System Impact
+
+How will this affect my integrated system(s)?
+
+To align with current error handling and to help simplify parsing of error scenarios without having to open the DU Underwriting
+Findings report, DU will be updated to return a new warning message in the MP_STATUS_LOG for loan casefiles submitted with
+the values above. See example of one of the new warnings below.
+
+MP_STATUS_LOG
+Contains detailed error and warning messages including Schema Validation, Loan Application Data, Credit, and Underwriting
+Checklist errors.
+
+Section
+
+Description
+
+Loan Application Data Warnings
+
+WARNING - EMPLOYMENT / STATUS_TYPE (EMPLOYER_1) - value is required for all
+employments (Employment and associated income ‘INCOME_1’ were removed from
+the loan application data).
+
+Sample
+
+Content-type: text/plain; charset=UTF-8
+
+Content-Disposition: form-data; name="MP_STATUS_LOG"; filename="MP_STATUS_LOG"
+
+--------------------------------------------------------------------------------
diff --git a/chunks/txt/c25693a26ddfedd4a82dc6712a66d7dff2924fc830b71bbcbf4b8dadc9296f8c.txt b/chunks/txt/c25693a26ddfedd4a82dc6712a66d7dff2924fc830b71bbcbf4b8dadc9296f8c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0d89f2c0e5c4f083a802562a0d54df05cb9c67be
--- /dev/null
+++ b/chunks/txt/c25693a26ddfedd4a82dc6712a66d7dff2924fc830b71bbcbf4b8dadc9296f8c.txt
@@ -0,0 +1,92 @@
+Footer
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+HF.002 Update Version
+
+Always required
+
+Number
+
+#
+
+Footer
+
+Definition / Additional Guidance
+
+The version number is updated each time the Restricted Appraisal Update
+Report is transmitted to the client. A sequential number should be provided for
+each version transmitted to the client.
+
+Example: If changes are made after the initial submission of the update report,
+the next version would be identified as Update Version #2.
+
+HF.005 Appraiser
+
+Always required
+
+Free-form
+
+Reference ID
+
+An identifier or number created by the appraiser to identify their report,
+generally referred to as the appraiser’s file number.
+
+HF.006 Agency Case File
+
+ID
+
+Required for FHA and
+VA
+
+Free-form
+
+A unique number assigned to the loan by the government agency. Reference
+the appropriate government agency appraisal guidelines for more information.
+Note: If not applicable, Agency Case File ID does not display.
+
+HF.007 Client Reference
+
+If applicable
+
+Free-form
+
+ID
+
+A unique number or identifier assigned by the client.
+Note: If not applicable, Client Reference ID does not display.
+
+HF.008 AMC Reference
+
+ID
+
+If applicable when
+there is an AMC
+
+Free-form
+
+A unique number or identifier assigned by the AMC.
+Note: If not applicable, AMC Reference ID does not display.
+
+Appendix F-2: Appraisal Update Report Reference Guide
+
+Page 8 of 28
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+01 Subject Property
+
+01 Subject Property
+
+The Subject Property section always displays, and provides overall information including the address, legal
+description, and ownership rights.
diff --git a/chunks/txt/c25ba72a3e3ebf62edbf48738332a820f77e11ebf2af0e7118b9c903b8562573.txt b/chunks/txt/c25ba72a3e3ebf62edbf48738332a820f77e11ebf2af0e7118b9c903b8562573.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8f58e7fc4cda0e20e6390e590718d27bdfc8735e
--- /dev/null
+++ b/chunks/txt/c25ba72a3e3ebf62edbf48738332a820f77e11ebf2af0e7118b9c903b8562573.txt
@@ -0,0 +1,105 @@
+ Data architects
+and modelers
+
+ Application
+developers
+
+ Business
+
+stakeholders
+and analysts
+ Technology
+stakeholders
+ Project team
+members
+
+Appendix B:
+Common Usage
+Scenarios
+
+Appendix C: XML
+Samples
+
+Narrative descriptions of
+various loan delivery
+transactions with tables
+illustrating how the scenarios
+would be communicated to a
+GSE using the loan delivery
+data set:
+ Fixed-Rate 30-Year
+
+Purchase
+
+ ARM Refinance
+ Fixed-Rate 30-Year
+
+Purchase with Associated
+HELOC
+
+ Loan Feature Component
+
+Scenarios
+ Condominium
+ Investment Property
+ Legal Entity Borrower
+ Escrows
+ Mortgage Insurance
+
+The representation of the
+MISMO data identified in the
+usage scenarios of Appendix
+B in working XML files
+
+Application
+developers
+
+ Measure technical
+
+team’s understanding
+of how to create XML
+files using the new data
+set
+
+ Template for actual
+
+loan delivery XML files
+
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 57 of 76
+
+Section V. Resources
+
+B. GSE-Specific Implementation Guide Package
+
+The GSE-specific Implementation Guides consist of a technical narrative and
+accompanying appendices as outlined below:
+
+Table V-2. GSE-Specific Implement Guide Package
+
+Document Title
+
+Description
+
+Audience
+
+Use
+
+GSE-Specific
+Technical
+Specification, v1.0.1
+
+Appendix A: XML Data
+Requirements
+
+Detailed, narrative technical
+descriptions of the various
+documents in the Technical
+Specification package
+Relation of the technical
+requirements from the ULDDS to
+each GSE’s loan delivery
+application
diff --git a/chunks/txt/c287994ca2bd376a6c50f620283c7b0d49a69d98425ca285a68adc666f96d024.txt b/chunks/txt/c287994ca2bd376a6c50f620283c7b0d49a69d98425ca285a68adc666f96d024.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5a8a48ae71a1f5e87b77fdcdcf25b84f3817f7e9
--- /dev/null
+++ b/chunks/txt/c287994ca2bd376a6c50f620283c7b0d49a69d98425ca285a68adc666f96d024.txt
@@ -0,0 +1,22 @@
+Unique Housing Types
+
+In the appraisal and appraisal report review processes, special consideration must be given to properties that represent unique
+housing for the subject market area. Loans secured by unique or nontraditional types of housing, including, but not limited to,
+earth houses, geodesic domes, and log houses, are eligible for sale to Fannie Mae provided the appraiser has adequate
+information to develop a reliable opinion of market value. It is not necessary for one or more of the comparable sales to be of the
+same design and appeal as the property that is being appraised, although appraisal accuracy is enhanced by using comparable
+sales that are the most similar to the subject property. On a case-by-case basis, both the appraiser and the underwriter must
+independently determine whether there is sufficient information available to develop a reliable opinion of market value. This will
+depend on the extent of the differences between the special or unique property and the more traditional types of houses in the
+market area and the number of such properties that have already been sold in the market area.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 81 of 166
+
+UAD 3.6 Policy
+
+A 3D printed home with a traditional design and constructed using conventional building materials is not considered a unique or
+nontraditional housing type. However, the appraiser must select the appropriate construction method for 3D printed homes.
+Lenders should follow the standard eligibility and comparable sales selection requirements for site-built housing. See SB4-1.3-08,
+Comparable Sales and SB4-1.3-09, Adjustments to Comparable Sales, for additional information.
diff --git a/chunks/txt/c298ecfff6b80af30d999fe926a036377b76116bc97432592ba9577094e5501d.txt b/chunks/txt/c298ecfff6b80af30d999fe926a036377b76116bc97432592ba9577094e5501d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a9da760fbb1ba1d052d3cff7f37dd76cf17d4854
--- /dev/null
+++ b/chunks/txt/c298ecfff6b80af30d999fe926a036377b76116bc97432592ba9577094e5501d.txt
@@ -0,0 +1,351 @@
+image/png
+
+78
+
+755000
+
+SettledSale
+
+25.165171
+
+-51.328127
+
+Patio
+
+Patio
+
+OutdoorLiving
+
+0
+
+Detached
+
+1
+
+true
+
+4
+
+C4
+
+Q4
+
+false
+
+true
+
+false
+
+false
+
+5700
+
+false
+
+2022-12-22
+
+2023-01-20
+
+750000
+
+Sale
+
+None
+
+false
+
+BusyRoadway
+
+Residential
+
+24000
+
+Full
+
+Residential
+
+341 Nothing Dr
+
+Anyplace
+
+01234
+
+TX
+
+Detached
+
+Carport
+
+4
+
+Driveway
+
+Concrete
+
+4
+
+false
+
+0
+
+SalesConcessions
+
+15000
+
+ContractDate
+
+0
+
+SaleDate
+
+0
+
+SiteSize
+
+-25000
+
+SiteInfluence
+
+0
+
+GrossBuildingFinishedArea
+
+3600
+
+LivingUnitStandardFinishedAreaAboveGrade
+
+Unit 1
+
+3600
+
+LivingUnitStandardFinishedAreaAboveGrade
+
+Unit 2
+
+3600
+
+LivingUnitStandardFinishedAreaAboveGrade
+
+Unit 3
+
+3600
+
+LivingUnitStandardFinishedAreaAboveGrade
+
+Unit 4
+
+784400
+
+98050
+
+196100
+
+East
+
+Most
+
+false
+
+159
+
+3
+
+3.5
+
+4400
+
+Dwelling
+
+2014
+
+false
+
+Well maintained with minimal depreciation
+
+WallsAndCeiling
+
+1150
+
+0
+
+false
+
+2
+
+2
+
+0
+
+C3
+
+Q4
+
+Unit 1
+
+Well maintained with minimal depreciation
+
+WallsAndCeiling
+
+1150
+
+0
+
+false
+
+2
+
+2
+
+0
+
+C3
+
+Q4
+
+Unit 2
+
+Well maintained with minimal depreciation
+
+WallsAndCeiling
+
+1150
+
+0
+
+false
+
+2
+
+2
+
+0
+
+C3
+
+Q4
+
+Unit 3
+
+Well maintained with minimal depreciation
+
+WallsAndCeiling
+
+1150
+
+0
+
+false
+
+2
+
+2
+
+0
+
+C3
+
+Q4
+
+Unit 4
+
+C3
+
+Q4
+
+4
+
+Building 1
+
+ForcedWarmAir
+
+PropertyPhoto
+
+\\Images\341Nothing.png
+
+image/png
+
+40
+
+795000
+
+SettledSale
+
+25.16517
+
+-51.328128
+
+Balcony
+
+Balcony
+
+Patio
+
+Patio
+
+OutdoorLiving
+
+0
+
+Detached
+
+1
+
+true
+
+4
+
+C3
+
+Q4
+
+false
+
+true
+
+false
+
+false
+
+4900
+
+false
+
+2023-02-25
+
+2023-03-15
+
+780000
+
+Sale
+
+None
+
+false
+
+Residential
+
+18000
+
+Full
+
+Residential
+
+181 Cattledrive St
+
+Unit
+
+B
+
+Anyplace
+
+01234
+
+TX
+
+North
+
+1
+
+3
+
+Dwelling
diff --git a/chunks/txt/c299c7b14b3d5c1865b5d1c8825088162f0b4e236f9dcc61f8d669783b5a9dd5.txt b/chunks/txt/c299c7b14b3d5c1865b5d1c8825088162f0b4e236f9dcc61f8d669783b5a9dd5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b9508582b3b03096a27ea5f5418e47f14932d157
--- /dev/null
+++ b/chunks/txt/c299c7b14b3d5c1865b5d1c8825088162f0b4e236f9dcc61f8d669783b5a9dd5.txt
@@ -0,0 +1,216 @@
+This field should be populated if there is a
+supervisory appraiser
+
+This field should be populated if field 6-27
+(Supervisor Name) is populated
+
+This field should be populated if field 6-27
+(Supervisor Name) is populated
+
+This field should be populated if field 6-27
+(Supervisor Name) is populated
+
+This field should be populated if field 6-27
+(Supervisor Name) is populated
+
+This field should be populated if field 6-27
+(Supervisor Name) is populated
+
+This field should be populated if field 6-27
+(Supervisor Name) is populated
+
+This field should be populated if field 6-27
+(Supervisor Name) is populated
+
+R
+
+R
+
+R
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+R
+
+R
+
+R
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+R
+
+R
+
+R
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+Form FNM 1004 FRE 70
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 78 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 1004/70
+
+Data Field
+Conditionality 1004
+Hybrid/70H
+
+Data Field
+Conditionality 1004
+Desktop/70D
+
+506
+
+507
+
+508
+
+509
+
+6
+
+6
+
+6
+
+6
+
+33
+
+34
+
+35
+
+36
+
+APPRAISER
+CERTIFICATION
+
+Supervisory Appraiser
+Date of Signature
+
+Supervisor Report
+Signed Date
+
+Indicates the date the supervisor
+signed the report.
+
+/VALUATION_RESPONSE/REPORT/@Super
+visorReportSignedDate
+
+10
+
+Date/Time
+
+Data Format:
+yyyy-mm-dd
+
+PDF Display Format:
+mm/dd/yyyy
+
+APPRAISER
+CERTIFICATION
+
+Supervisory Appraiser
+State Certification #
+
+Appraiser License
+Identifier
+
+State license number of the appraiser
+who completed the final estimate of
+value for the subject property.
diff --git a/chunks/txt/c29cc0a05753f7c8a263b31c3f93e7e1eb9044386da864b238f05daeee06920a.txt b/chunks/txt/c29cc0a05753f7c8a263b31c3f93e7e1eb9044386da864b238f05daeee06920a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cc5bdd2276a3529aa45a70dccedf4f9a9fa036a7
--- /dev/null
+++ b/chunks/txt/c29cc0a05753f7c8a263b31c3f93e7e1eb9044386da864b238f05daeee06920a.txt
@@ -0,0 +1,38 @@
+NegativeAmortizationIndicator When true, more than one column; recast or change to fully
+
+4.3.2
+
+PaymentIncreaseIndicator
+
+amortizing are captured as new columns.
+
+When true, P&I payment is expected to change—more than one
+column is required.
+
+a. ADJUSTABLE RATE MORTGAGE
+
+A common use case driving multiple columns in the Projected Payments table is of an adjustable rate mortgage
+(ARM). In this case, the Payment Increase Indicator = “true”.
+
+For example: Figure 51 illustrates a 30-year 5/3 ARM with an initial rate cap of 2%, a periodic rate cap of 2%, and
+a ceiling rate of 12%. The initial interest rate is 4%, which is also the floor rate.
+
+Appendix E: UCD Implementation Guide
+
+Page 85 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+5.0 Projected Payments Table
+
+The payment will potentially reflect an interest rate increase of 2% at the start of the 6th year ($1,230), and then
+every three years thereafter (in year 9 ($1,451), 12, and 15 ($1,870)) when the ceiling rate of 12% can be
+reached. Because this increase is not certain, the minimum payment amount for each period continues as the
+initial payment amount. Payment ranges must be disclosed to show the potential payment increases.
+
+The Regulation requires that the Projected Payments table reflect the maximum increase for each period. In this
+case, if the rate increases by the cap of 2% each time, it will increase four times then hit the ceiling rate (4 + 2 +
+2 + 2 + 2 = 12). That means that the third and fourth increases will be grouped together in the fourth Year Range
+of 12-30, and the maximum payment amount reflects what it would be if calculated using the ceiling rate.
diff --git a/chunks/txt/c2a9cf3fd37d255cb02d7e005c562dc8098e0e04e76782d80885bfc68970f328.txt b/chunks/txt/c2a9cf3fd37d255cb02d7e005c562dc8098e0e04e76782d80885bfc68970f328.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6665c67c74bdf75e8c692bc73dd47e10878f2376
--- /dev/null
+++ b/chunks/txt/c2a9cf3fd37d255cb02d7e005c562dc8098e0e04e76782d80885bfc68970f328.txt
@@ -0,0 +1,50 @@
+Desktop Underwriter/Desktop Originator Integration Impact Memo
+June 2025 Update
+
+April 21, 2025
+
+During the weekend of June 21, 2025, Fannie Mae will update Desktop Originator® (DO®) via direct integration. This update will
+remove the USER_ROLE element and its attributes from the DO GetLenders XML response. The DO GetLenders function, which
+retrieves a list of sponsoring lenders associated with an originator’s DO user ID, will no longer support these user roles, as they are
+considered non-essential for DO direct integration.
+
+DO GetLenders Response Update
+
+How will this affect my integrated system(s)?
+
+Systems integrated with DO that validate the DO_GET_LENDERS_ RESPONSE Control Output (CO) or use attributes from the
+USER_ROLE element will require updates. There will be no impact on the DO GetLenders request.
+
+Control Output (CO) Update (Examples)
+
+Current Response
+
+Updated Response
+
+<DO_GET_LENDERS_RESPONSE>
+ <STATUS _Condition="Ok"/>
+ <BROKER _InstitutionIdentifier="XXXXXX" _Name="Sample Mortgage
+Broker Co" DefaultInstitutionIndicator="Y">
+ <BROKER_SPONSOR _InstitutionIdentifier="XXXYYY"
+_Name="Example National Bank"/>
+ <BROKER_SPONSOR _InstitutionIdentifier="YXYXYX"
+_Name="Fictional Bank Corp"/>
+ </BROKER>
+ <USER_ROLE RoleName="Administration"/>
+ <USER_ROLE RoleName="Origination"/>
+ <USER_ROLE RoleName="Process Transactions"/>
+</DO_GET_LENDERS_RESPONSE>
+
+The DO_GET_LENDERS_RESPONSE will no longer include the USER
+ROLE element and attributes:
+
+<DO_GET_LENDERS_RESPONSE>
+ <STATUS _Condition="Ok"/>
+ <BROKER _InstitutionIdentifier="XXXXXX" _Name="Sample
+Mortgage Broker Co" DefaultInstitutionIndicator="Y">
+ <BROKER_SPONSOR _InstitutionIdentifier="XXXYYY"
+_Name="Example National Bank"/>
+ <BROKER_SPONSOR _InstitutionIdentifier="YXYXYX"
+_Name="Fictional Bank Corp"/>
+ </BROKER>
+</DO_GET_LENDERS_RESPONSE>
diff --git a/chunks/txt/c2aa3b258d2989ee0e1a84c3f8ae645c4bdc84981326481db9e6d22275f43427.txt b/chunks/txt/c2aa3b258d2989ee0e1a84c3f8ae645c4bdc84981326481db9e6d22275f43427.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6f5a05464a435fb38cfeb4cd68ad3ad9476262b3
--- /dev/null
+++ b/chunks/txt/c2aa3b258d2989ee0e1a84c3f8ae645c4bdc84981326481db9e6d22275f43427.txt
@@ -0,0 +1,3 @@
+Overview ................................................................................................................................................................................................................................................ 202
+
+Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 203
diff --git a/chunks/txt/c2ab9aa2ca9d7f5b5b6744b0de9fb0e4baa11ddd99d19e5cf8242f92b7ac5f3b.txt b/chunks/txt/c2ab9aa2ca9d7f5b5b6744b0de9fb0e4baa11ddd99d19e5cf8242f92b7ac5f3b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e11a02bb913a8e7dd6f0bfd842067805967bdca6
--- /dev/null
+++ b/chunks/txt/c2ab9aa2ca9d7f5b5b6744b0de9fb0e4baa11ddd99d19e5cf8242f92b7ac5f3b.txt
@@ -0,0 +1,127 @@
+Page 6 of 18
+Page 6 of 18
+
+Unit Interior (continued)
+
+Quality and Condition
+
+Interior Quality Rating
+
+Q3
+
+Interior Condition Rating
+
+C3
+
+The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report
+
+Kitchen and Bathroom Details
+
+Room
+Kitchen
+Level 1
+
+Bath - Full
+Level 1
+
+Update Status
+Fully Updated
+
+Time Frame
+1–5 years
+
+Fully Updated
+
+1–5 years
+
+Overall Update Status for
+Bathrooms
+
+Fully Updated
+
+Quality Comment
+A mix of restaurant
+grade and high-end
+residential appliances
+
+High-end residential
+fixtures and nice
+decorative finishes
+
+Condition Status
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+Condition Comment
+Kitchen has been
+updated with new
+fixtures, flooring, and
+lighting.
+
+Bathroom has a new
+jacuzzi jetted tub
+and vanities, flooring,
+shower with subway
+tile, and upgraded
+shower head.
+
+Interior Features
+
+Feature
+Flooring
+
+Detail
+Carpet
+
+Hardwood
+
+Quality Comment
+Blended wool carpet, pad
+
+Condition Status
+Typical Wear and Tear
+
+Refinished hardwood
+flooring
+
+Typical Wear and Tear
+
+Condition Comment
+The flooring throughout the
+subject has been replaced
+over the last 2–5 years.
+
+Refinished approximately
+5 years ago.
+
+Walls and Ceiling
+
+8 Ft. | Flat
+
+Add comment if needed.
+
+Typical Wear and Tear
+
+Add comment if needed.
+
+Overall Update Status for
+Flooring
+
+Fully Updated
+
+Apparent Defects, Damages, Deficiencies (Unit Interior)
+
+None
+
+Unit Interior Commentary
+
+Additional commentary can be added here, if needed by Appraiser.
+
+Unit Interior Exhibits
+
+Level 1 - Kitchen
+
+Level 1 - Bath - Full
+
+Appraiser Reference ID 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1)
diff --git a/chunks/txt/c2ad84892770be4040a33876f684000c96968fa9f3a296b33a28f8d230b870f0.txt b/chunks/txt/c2ad84892770be4040a33876f684000c96968fa9f3a296b33a28f8d230b870f0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..87a87f97ec04d36810eaa1b98ecb12ac3ec3a61c
--- /dev/null
+++ b/chunks/txt/c2ad84892770be4040a33876f684000c96968fa9f3a296b33a28f8d230b870f0.txt
@@ -0,0 +1,117 @@
+appraiser input
+that does not
+display
+
+29.050
+
+I have not
+performed …
+
+29.050
+
+I have
+performed …
+
+29.051 Description of
+Prior Services:
+
+Predefined text that
+displays when
+Appraiser Prior
+Services Performed is
+No
+
+Predefined text that
+displays when
+Appraiser Prior
+Services Performed is
+Yes
+
+Required when
+Appraiser Prior
+Services Performed is
+Yes
+
+Free-form
+
+Description of Prior Services
+
+Additional Appraiser Certifications
+
+Additional appraiser certifications may be added when relevant.
+
+Report
+Field ID
+
+Not on
+Report
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Additional Appraiser Certifications
+
+Always required
+
+Yes | No
+
+Additional Appraiser Certifications
+Indicates whether there are additional appraiser certifications.
+
+This is an
+appraiser input
+that does not
+display
+
+Appendix F-1: URAR Reference Guide
+
+Page 343 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+29 Certifications and Scope of Work
+
+Additional Appraiser Certifications
+
+Report
+Field ID
+
+29.052
+29.053
+
+Report Label
+
+When to Include
+
+N/A
+
+Displays when
+Additional Appraiser
+Certifications is Yes
+
+Allowable
+Answers / Format
+
+Free-form
+
+Definition / Additional Guidance
+
+Additional Appraiser Certification Text
+Additional certifications that are required, such as designations.
+
+Note: Additional appraiser certifications cannot be contrary to, and should not
+repeat, the predefined appraiser certification text.
+
+Supervisory Appraiser Certifications
+
+The Supervisory Appraiser Certifications subsection displays when there is a Supervisory Appraiser, as displayed
+in the Assignment Information section (2.032-2.046). The predefined supervisory appraiser certifications always
+display, and additional supervisory appraiser certifications may be added when relevant.
diff --git a/chunks/txt/c2bdec523f4fe025336addb73aa2842a2450e4ab0341e0fd44f971a84a936dfa.txt b/chunks/txt/c2bdec523f4fe025336addb73aa2842a2450e4ab0341e0fd44f971a84a936dfa.txt
new file mode 100644
index 0000000000000000000000000000000000000000..22dbf070b840ea0057d9681526005598a1d57d42
--- /dev/null
+++ b/chunks/txt/c2bdec523f4fe025336addb73aa2842a2450e4ab0341e0fd44f971a84a936dfa.txt
@@ -0,0 +1,143 @@
+/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@_Revie
+wedIndicator=‘N’]
+
+1
+
+1
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Contract Section
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Contract Section
+
+UAD Requirement - Refer to Appendix D Contract Section
+The allowable values are listed below. When representing these values in the XML
+file, they must be shown exactly as they appear below:
+
+45
+
+1
+
+e-3
+
+CONTRACT
+
+Explain the results of the
+analysis of the contract for sale
+or why the analysis was not
+performed.
+
+GSE Sale Type
+
+The type of sale associated with the
+subject or comparable property
+transaction.
+
+/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/SALES_
+CONTRACT_EXTENSION/SALES_CONTRACT_EXTENSION_SECTI
+ON[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/SALES_CONTRACT_EXTENSION_SECTION_DATA/SAL
+ES_TRANSACTION/@GSESaleType
+
+17
+
+Enumerated
+
+46
+
+47
+
+48
+
+49
+
+50
+
+51
+
+52
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+43
+
+CONTRACT
+
+Explain the results of the
+analysis of the contract for sale
+or why the analysis was not
+performed.
+
+Sales Contract
+Review Comment
+
+A free-form text field describing the sales
+contract.
+
+/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@_Revie
+wComment
+
+4000
+
+String
+
+44
+
+CONTRACT
+
+Contract Price $
+
+Sales Contract
+Amount
+
+The amount of money the contract is for.
+
+/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@_Amou
+nt
+
+9
+
+Money
+
+45
+
+CONTRACT
+
+Date of Contract
+
+Sales Contract Date
+
+The effective date of the sales contract
+(e.g. the date of sale).
+
+/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@_Date
+
+10
+
+Date/Time
+
+46
+
+47
+
+48
+
+CONTRACT
+
+Is the property seller the owner
+of public record? Yes
diff --git a/chunks/txt/c2bfac52b0a00f30b0f29e9d126daa0d0210e4f51b49890be3d416f9502465bb.txt b/chunks/txt/c2bfac52b0a00f30b0f29e9d126daa0d0210e4f51b49890be3d416f9502465bb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0d1691ffb348808dfaa8a2210bdaefbc7f80f1f3
--- /dev/null
+++ b/chunks/txt/c2bfac52b0a00f30b0f29e9d126daa0d0210e4f51b49890be3d416f9502465bb.txt
@@ -0,0 +1,24 @@
+05.023
+
+12. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any
+agreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a
+predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or
+occurrence of a specific subsequent event (such as approval of a pending mortgage loan application).
+
+05.024
+
+13. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided
+significant real property appraisal assistance.
+
+13. I personally prepared conclusions and opinions about the real estate that were set forth in this appraisal report. [Contact Name(s)]
+provided significant real property appraisal assistance in the development of this report. I certify that any individual so named is qualified to
+perform the assistance.
+
+05.025
+
+05.026
+
+14. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable
+federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation
+of my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is
+enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.
diff --git a/chunks/txt/c2d0648cfa766d1d4a469608d9cb5cc21036d6458cb6f9b256dee59f3347b9e0.txt b/chunks/txt/c2d0648cfa766d1d4a469608d9cb5cc21036d6458cb6f9b256dee59f3347b9e0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d9af1ea538b120d4ce00d2e76da169552578630d
--- /dev/null
+++ b/chunks/txt/c2d0648cfa766d1d4a469608d9cb5cc21036d6458cb6f9b256dee59f3347b9e0.txt
@@ -0,0 +1,129 @@
+37
+
+COST APPROACH
+
+Indicated Value By Cost
+Approach
+
+Value Indicated By
+Cost Approach
+Amount
+
+The dollar value of the subject
+property indicated by the Cost
+Approach method of property
+valuation.
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/COST_ANALYSIS/NEW_IMPROV
+EMENT[@_Type='Garage']/@PricePerSquareFo
+otAmount
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/COST_ANALYSIS/NEW_IMPROV
+EMENT[@_Type='Garage']/@_CostAmount
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/COST_ANALYSIS/@NewImprovem
+entTotalCostAmount
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/COST_ANALYSIS/DEPRECIATIO
+N/@_PhysicalAmount
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/COST_ANALYSIS/DEPRECIATIO
+N/@_FunctionalAmount
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/COST_ANALYSIS/DEPRECIATIO
+N/@_ExteriorAmount
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/COST_ANALYSIS/DEPRECIATIO
+N/@_TotalAmount
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/COST_ANALYSIS/@NewImprovem
+entDepreciatedCostAmount
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/COST_ANALYSIS/@SiteOtherImpro
+vementsAsIsAmount
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/COST_ANALYSIS/@ValueIndicated
+ByCostApproachAmount
+
+10
+
+Money
+
+PDF Display Format:
+In dollars, to two decimal places.
+
+10
+
+20
+
+9
+
+10
+
+Money
+
+PDF Display Format:
+Whole numbers only.
+
+String
+
+Money
+
+PDF Display Format:
+Whole numbers only.
+
+Numeric
+
+PDF Display Format:
+Whole numbers only.
+
+9
+
+Money
+
+PDF Display Format:
+In dollars, to two decimal places.
+
+12
+
+12
+
+12
+
+12
+
+12
+
+12
+
+12
+
+12
+
+12
+
+Money
+
+PDF Display Format:
+Whole numbers only.
+
+Money
+
+PDF Display Format:
+Whole numbers only.
+
+Money
+
+PDF Display Format:
+Whole numbers only.
+
+Money
+
+PDF Display Format:
+Whole numbers only.
diff --git a/chunks/txt/c2de17d39bed884e8e009fa725517a0b55361d21980be7239e6ae31223038bde.txt b/chunks/txt/c2de17d39bed884e8e009fa725517a0b55361d21980be7239e6ae31223038bde.txt
new file mode 100644
index 0000000000000000000000000000000000000000..28a5676af9824596d881556168968a9354152196
--- /dev/null
+++ b/chunks/txt/c2de17d39bed884e8e009fa725517a0b55361d21980be7239e6ae31223038bde.txt
@@ -0,0 +1,27 @@
+Company size 501-1,000 employees
+
+Headquarters Washington, DC
+
+Type Government Agency
+
+Founded 2008
+
+## Locations
+
+- Primary 400 7th Street SW,
+
+Washington, DC 20219, US
+
+[Get directions](https://www.bing.com/maps?where=400+7th+Street+SW%2C+Washington+20219+DC+US&trk=org-locations_url)
+
+## Employees at Federal Housing Finance Agency
+
+- [![Click here to view Kulwant Sharma, CFA, PRM’s profile]() ### Kulwant Sharma, CFA, PRM](https://www.linkedin.com/in/kulwantsharma?trk=org-employees)
+ - [![Click here to view Phillip Millman’s profile]() ### Phillip Millman](https://www.linkedin.com/in/phillipmillman?trk=org-employees)
+ - [![Click here to view Nicholas Satriano’s profile]() ### Nicholas Satriano](https://www.linkedin.com/in/nicholas-satriano-06bb39?trk=org-employees)
+ - [![Click here to view Brad Blackmon’s profile]() ### Brad Blackmon](https://www.linkedin.com/in/brad-blackmon-89b0421?trk=org-employees)
+ [See all employees](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fsearch%2Fresults%2Fpeople%2F%3FfacetCurrentCompany%3D%255B354523%255D&trk=public_biz_employees-join)
+
+## Updates
+
+- [](https://www.linkedin.com/posts/fhfa_twelve-month-house-price-changes-for-us-activity-7311119597905063936-U73k) [![View organization page for Federal Housing Finance Agency]()](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-image) [Federal Housing Finance Agency](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-name)
diff --git a/chunks/txt/c2f58799ddb0a2a014726755a5238fd8955b755e354c7ef55abe8818312361c9.txt b/chunks/txt/c2f58799ddb0a2a014726755a5238fd8955b755e354c7ef55abe8818312361c9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..aed9e06f3ecfa3a2dbf5f2e09cfa6f7f917637c2
--- /dev/null
+++ b/chunks/txt/c2f58799ddb0a2a014726755a5238fd8955b755e354c7ef55abe8818312361c9.txt
@@ -0,0 +1,234 @@
+15,000 Sq. Ft.
+
+13,500 Sq. Ft.
+
+$0
+
+15,000 Sq. Ft.
+
+Hilltop Hills
+
+Hilltop Hills
+
+Hilltop Hills
+
+15,000 Sq. Ft.
+
+Hilltop Hills
+
+Residential | Full
+
+High Density
+Residential | Full
+
+$6,500
+
+Residential | Full
+
+Residential | Full
+
+2018
+
+2017
+
+$0
+
+2018
+
+2019
+
+$0
+
+Forced Warm Air | Natural Gas
+
+Forced Warm Air
+| Natural Gas
+
+Forced Warm Air
+| Natural Gas
+
+Forced Warm Air
+| Natural Gas
+
+3
+
+2 | 0
+
+3
+
+2 | 0
+
+3
+
+2 | 0
+
+3
+
+2 | 0
+
+1,260 Sq. Ft.
+
+1,200 Sq. Ft.
+
+$4,500
+
+1,260 Sq. Ft.
+
+1,312 Sq. Ft.
+
+$(3,900)
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+Data Source
+
+Proximity to Subject
+
+List Price
+
+Listing Status
+
+Sale Price
+
+Sales Concessions
+
+Contract Date
+
+Sale Date
+
+Days on Market
+
+Attached/Detached
+
+Site
+
+Site Size
+
+Neighborhood Name
+
+View | Range
+
+Dwelling(s)
+
+Year Built
+
+Heating
+
+Unit(s)
+
+Bedrooms
+
+Baths - Full | Half
+
+Finished Area Above Grade
+
+Finished Area Below Grade
+
+Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Exterior Quality and Condition
+
+Quality
+
+Condition
+
+Interior Quality and Condition
+
+Quality
+
+Condition
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Overall Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Q4
+
+C3
+
+Quality
+
+Condition
+
+Property Amenities
+
+Outdoor Living
+
+Vehicle Storage
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Deck
+
+—
+
+$2,000
+
+Deck
+
+Deck | Portico
+
+$(2,500)
+
+Type | Spaces | Detail
+
+Driveway | 3 | Concrete
+
+Driveway | 3 | Concrete
+
+Driveway | 3 | Concrete
+
+$(5,000)
+
+Driveway | 3 | Concrete
+Garage | 1 | Detached
+
+Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K
+
+Uniform Residential Appraisal Report
diff --git a/chunks/txt/c2f6aeb602ca2c6610cd697b77ca5516218175f89ed8ca0443f541ee9e1726a0.txt b/chunks/txt/c2f6aeb602ca2c6610cd697b77ca5516218175f89ed8ca0443f541ee9e1726a0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..45eb2fbcb906cc2f3e7e82283fea56f316c34b08
--- /dev/null
+++ b/chunks/txt/c2f6aeb602ca2c6610cd697b77ca5516218175f89ed8ca0443f541ee9e1726a0.txt
@@ -0,0 +1,115 @@
+12
+
+9
+
+Money
+
+PDF Display Format:
+Whole numbers only
+
+Numeric
+
+PDF Display Format:
+Whole numbers only
+
+INCOME
+APPROACH
+
+Indicated Value of
+Income Approach
+
+INCOME
+APPROACH
+
+PROJECT
+INFORMATION
+
+PROJECT
+INFORMATION
+
+Summary of Income
+Approach (including
+support for market rent
+and GRM)
+Is the developer/builder
+in control of the
+Homeowners'
+Association (HOA)?
+Yes
+Is the developer/builder
+in control of the
+Homeowners'
+Association (HOA)?
+No
+
+Value Indicated By
+Income Approach
+Amount
+
+The dollar value of the subject
+property indicated by the Income
+Approach method of property
+valuation.
+
+Income Analysis
+Comment
+
+A free-form text field used to describe
+or comment on the use of the Income
+Approach in valuing a property.
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/INCOME_ANALYSIS/@ValueIndica
+tedByIncomeApproachAmount
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/INCOME_ANALYSIS/@_Comment
+
+Project Developer
+Controls Project
+Management
+Indicator
+
+Project Developer
+Controls Project
+Management
+Indicator
+
+Indicates that developer is in control
+of the project's management (e.g.,
+HOA).
+
+/VALUATION_RESPONSE/PROPERTY/PRO
+JECT[@_DeveloperControlsProjectManagement
+Indicator='Y']
+
+Indicates that developer is in control
+of the project's management (e.g.,
+HOA).
+
+/VALUATION_RESPONSE/PROPERTY/PRO
+JECT[@_DeveloperControlsProjectManagement
+Indicator='N']
+
+PROJECT
+INFORMATION
+
+PUD
+Project Unit Type(s)
+Detached
+
+Project Design Type
+
+This field specifies the type of design
+for the multiple unit buildings in a
+project.
+
+/VALUATION_RESPONSE/PROPERTY/PRO
+JECT[@_DesignType='Detached']
+
+PROJECT
+INFORMATION
+
+PUD
+Project Unit Type(s)
+Attached
diff --git a/chunks/txt/c2ff027cfcc4fb59db045031682cdc99a9127ca2fec9f02dec37b174268f77f4.txt b/chunks/txt/c2ff027cfcc4fb59db045031682cdc99a9127ca2fec9f02dec37b174268f77f4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fb44b87dbf4d40933bc4771bb2794307a68000f4
--- /dev/null
+++ b/chunks/txt/c2ff027cfcc4fb59db045031682cdc99a9127ca2fec9f02dec37b174268f77f4.txt
@@ -0,0 +1,119 @@
+Report
+Field ID
+
+See
+iGuide
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+N/A
+
+If available for each
+rental comparable unit
+
+Photo
+
+Definition / Additional Guidance
+
+Property Photo
+Photo of the property, typically the front.
+Note: If provide, Rental Comparable photos redisplay in Rental Information
+Exhibits with the Comparable #.
+
+23.02.02 Comparable #
+
+Required for each
+rental comparable unit
+
+1, 2, 3 …
+
+Rental Comparable #: The rental comparable unit that is being compared to
+one or more subject property units.
+
+23.02.03 N/A
+
+Required for each
+rental comparable unit
+
+23.02.04 Data Source:
+
+Required for each
+rental comparable unit
+
+Free-form, in
+format that
+conforms to
+address standards
+in USPS
+Publication 28,
+Postal Addressing
+Standards
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+Rental Comparable Address
+Note: For properties with multiple units in the same building, a unique unit
+identifier must be included with the address of the comparable unit.
+
+Assessor Record
+Builder or Developer
+Condominium Questionnaire
+Cooperative Board
+Cooperative Questionnaire
+Data Aggregator
+Exterior Inspection
+Homeowners Association
+Interior Inspection
+Land Survey
+
+Rental Comparable Data Source
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+• MLS
+•
+•
+•
+•
+•
+•
+
+Previous Appraisal File
+Property Management Company
+Property Owner
+Property Tenant
+Real Estate Agent
+Other (Describe)
+
+23.02.04 Data Source:
+
+Free-form
+
+Required when Rental
+Comparable Data
+Source is MLS, or if
+applicable for other
+data sources
+
+Data Source Identifier: A unique number or identifier assigned to the rental
+comparable by the data source.
+Notes:
+•
+•
diff --git a/chunks/txt/c2ff08d8c1f769c6ba6d3c666d81fb722d4b2f36a89a622cf9ebfbc5b25ddbd2.txt b/chunks/txt/c2ff08d8c1f769c6ba6d3c666d81fb722d4b2f36a89a622cf9ebfbc5b25ddbd2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6efbb0fec2e2ed71128a82b6ab4d2df3df70b539
--- /dev/null
+++ b/chunks/txt/c2ff08d8c1f769c6ba6d3c666d81fb722d4b2f36a89a622cf9ebfbc5b25ddbd2.txt
@@ -0,0 +1,94 @@
+When to Include
+
+9.012
+
+Serial Number
+
+Required if HUD Data
+Plate Attached is Yes
+or if available
+
+Allowable
+Answers / Format
+
+Free-form
+
+Definition / Additional Guidance
+
+The serial number per section of the manufactured home, as shown on the
+HUD data plate or other source.
+
+HUD Certification Label
+
+Note: If the HUD Certification Label is not available for all sections, indicate in Manufactured Home Commentary
+(9.026) the source of the data provided.
+
+Manufactured Home – ADUs – HUD Certification Label
+
+Report
+Field ID
+
+9.016
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Label Present for
+all Sections
+
+Always required
+
+Yes | No
+
+9.017
+
+See
+iGuide
+
+HUD
+Certification
+Number
+
+HUD
+Certification
+Number
+
+Required if Label
+Present for all Sections
+is Yes, or if available
+
+Free-form
+
+Always required
+
+Photo or image
+
+Manufactured Home Commentary
+
+Definition / Additional Guidance
+
+Indicates whether the HUD Certification Label (also referred to as the HUD
+Certification, Construction Code Label, Certification Label, HUD Label, or Red
+Tag) is present and attached to all sections of the manufactured home.
+•
+•
+
+Yes (the HUD Label is attached for all sections).
+No (the HUD Label is not attached for at least one of the sections).
+
+Note: If the HUD Certification Label is not attached but is available, select No
+and explain in Manufactured Home Commentary (9.026).
+
+The certification number per section of the manufactured home as shown on
+the HUD Certification Label, HUD data plate, or other source.
+
+HUD Certification Number Photo
+A photo or image of all HUD Certification Label(s) (or the verification source if
+the HUD Certification Label(s) are not present) must be provided. The photos or
+images display in Manufactured Home Exhibits, with the caption “HUD
+Certification Label”. An additional caption may be provided to further identify
+each photo or image.
diff --git a/chunks/txt/c30773eec5cbc839dff1560d037b7f994c76992919430a1ee7128a0d408bc5f8.txt b/chunks/txt/c30773eec5cbc839dff1560d037b7f994c76992919430a1ee7128a0d408bc5f8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..af7f70bfbd91782fb0d3bf9d3115f774db1994d9
--- /dev/null
+++ b/chunks/txt/c30773eec5cbc839dff1560d037b7f994c76992919430a1ee7128a0d408bc5f8.txt
@@ -0,0 +1,78 @@
+Indicates that the aspect of analysis is
+present in the property.
+
+/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='P
+hysicalDeficiency' and @_ExistsIndicator='N']
+
+1
+
+1
+
+Boolean
+
+Boolean
+
+Property Analysis
+Comment
+
+A free-form text field that holds the
+property analysis comments for the
+analysis category specified by Property
+Analysis Type.
+
+/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='P
+hysicalDeficiency']/@_Comment
+
+4000
+
+String
+
+This field should contain a description of physical deficiencies or adverse conditions
+that affect the livability, soundness, or structural integrity of the property.
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+Property Analysis
+Exists Indicator
+
+Indicates that the aspect of analysis is
+present in the property.
+
+/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='C
+onformsToNeighborhood' and @_ExistsIndicator='Y']
+
+Property Analysis
+Exists Indicator
+
+Indicates that the aspect of analysis is
+present in the property.
+
+/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='C
+onformsToNeighborhood' and @_ExistsIndicator='N']
+
+1
+
+1
+
+Boolean
+
+Boolean
+
+Property Analysis
+Comment
+
+A free-form text field that holds the
+property analysis comments for the
+analysis category specified by Property
+Analysis Type.
+
+/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='C
+onformsToNeighborhood']/@_Comment
+
+4000
+
+String
+
+This field should contain a description if the property does not generally conform to the
+neighborhood (functional utility, style, condition, use, construction, use, etc).
diff --git a/chunks/txt/c31da19a5696a18bfb9c4e4d61b4245ad694d4a6945e06a2c5722d9bca1548e1.txt b/chunks/txt/c31da19a5696a18bfb9c4e4d61b4245ad694d4a6945e06a2c5722d9bca1548e1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4f81a1e23b3f0fe81bcd35d388aa5d8519d1a141
--- /dev/null
+++ b/chunks/txt/c31da19a5696a18bfb9c4e4d61b4245ad694d4a6945e06a2c5722d9bca1548e1.txt
@@ -0,0 +1,20 @@
+Degree of Development
+
+When reviewing an appraisal on a property located in a rural or undeveloped area, the lender should focus on the characteristics
+of the property, zoning, and the present land use to determine whether the property should be considered residential in nature.
+For example, if the typical one-unit building site in a particular area (based on the zoning, the highest and best use of the land,
+and the present land use) is two acres in size, the loan will be eligible for purchase or securitization regardless of the percentage
+of the total appraised value of the property that the site represents, as long as the appraiser demonstrates through the use of
+comparable sales that the property is a typical residential property for that particular market area.
+
+Because Fannie Mae does not purchase or securitize loans secured by agricultural-type properties, undeveloped land, or land-
+development-type properties, the lender must review the appraisal report for properties that have sites larger than those typical
+for residential properties in the market area. Special attention must be given to the appraiser’s description of the market area,
+zoning, the highest and best use determination, and the degree of comparability between the subject property and the
+comparable sales. If the subject property has a significantly larger site than the comparables used in the appraiser’s analysis, the
+subject property may not be a typical residential property for its market.
+
+Market Trends
+
+The appraiser must report the primary indicators of market conditions for properties in the subject property’s market area as of
+the effective date of the appraisal by noting the information in the table below.
diff --git a/chunks/txt/c31dbafdfb11f98cf670c351776527876b6f2437ed65f3f5940908440319787e.txt b/chunks/txt/c31dbafdfb11f98cf670c351776527876b6f2437ed65f3f5940908440319787e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..92c14d864e2f0cfcf7796553fbba6aa8a3ace7cd
--- /dev/null
+++ b/chunks/txt/c31dbafdfb11f98cf670c351776527876b6f2437ed65f3f5940908440319787e.txt
@@ -0,0 +1,79 @@
+When to Include
+
+Allowable
+Answers / Format
+
+Market Exhibits
+
+If applicable
+
+Photos or images
+
+Report
+Field ID
+
+See
+iGuide
+
+Definition / Additional Guidance
+
+Photos or images relevant to the Market section may be provided, which
+display in Market Exhibits. If the photo or image is not specifically indicated,
+provide a caption to further identify each photo or image.
+
+Market Exhibits
+
+Appendix F-1: URAR Reference Guide
+
+Page 181 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+18 Project Information
+
+18 Project Information
+
+The Project Information section displays if the property is in a project (condominium, cooperative, or condop) or
+in a PUD. It includes information about mandatory fees, project factors and amenities, their impact to value or
+marketability, and information specific to cooperatives (if applicable). This section provides space for additional
+commentary and exhibits.
+
+The display of this section varies depending on whether the property is in a condominium, cooperative, condop,
+or PUD.
+
+Checkboxes Next to Black Tab
+
+Checkboxes next to the black tab are populated from the Subject Property section. Only one checkbox can be
+checked at the top of Project Information.
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Project Information
+
+18.000 Planned Unit
+Development
+(PUD)
+
+Always required
+
+Yes | No
+
+Property in a PUD
+Indicates whether the property is in a PUD. A PUD is a subdivision that consists
+of common property and improvements that are owned and maintained by a
+homeowners association (HOA) for the benefit and use of the individual PUD
+unit owners. A unit owner in the PUD has title to a residential property (parcel
+and dwelling) and an interest in the HOA that owns or manages the common
+areas and facilities of the PUD.
diff --git a/chunks/txt/c31eaea2c4dba600fd0c816a0e544eb941e9008661db4220cd0c785c29a38c06.txt b/chunks/txt/c31eaea2c4dba600fd0c816a0e544eb941e9008661db4220cd0c785c29a38c06.txt
new file mode 100644
index 0000000000000000000000000000000000000000..956db51b42acdb6eb6c450617bf20ea336ea466f
--- /dev/null
+++ b/chunks/txt/c31eaea2c4dba600fd0c816a0e544eb941e9008661db4220cd0c785c29a38c06.txt
@@ -0,0 +1,81 @@
+Set Commentary as TXC x 45 picas.
+
+Dwelling Exterior Exhibits (Dwelling Exterior – [Structure Identifier]) (H1)
+
+Subsection does not display if there are no exhibits.
+
+“Manufactured Home” sets as TAB.
+
+Left-hand side of page
+
+•
+
+“Manufacturer Name,” “Year Installed,” “Moved Since Original Installation” set as TXR-B,
+TXR.
+
+Right-hand side of page
+
+•
+
+“Attached to Permanent Foundation,” “Towing Hitch, Wheels, Axles Removed,”
+“Manufactured Home Width,” “Skirting” set as TXR-B, TXR.
+
+Full page width
+
+•
+
+“Yes” “No” (Y/N) followed by “Have there been any modifications, attachments, or additions
+that rely on or have altered the original structure for support?” set as CK x 45 picas.
+
+Left-hand side of page
+
+•
+
+“Modification, Attachment, or Addition” set as TXR-B, TXR.
+
+Full page width
+
+•
+
+“Description of Modification, Attachment, or Addition” sets as TXC-B x 45 picas (bold lead in
+to Myriad Pro Regular text).
+
+Appendix E: Report Style Guide
+
+Page 45 of 90
+
+Version 1.4
+
+HUD Data Plate (H1)
+
+Left-hand side of page
+
+•
+
+“HUD Data Plate Attached,” “Date of Manufacture,” “Serial Number” set as TXR-B, TXR.
+
+Right-hand side of page
+
+•
+
+“HUD Wind Zone,” “HUD Thermal Zone,” “HUD Roof Load Zone” set as TXR-B, TXR.
+
+HUD Certification Label (H1)
+
+Left-hand side of page
+
+•
+
+“Label Present for All Sections,” sets as TXR-B, TXR.
+
+Right-hand side of page
+
+•
+
+“HUD Certification Number” sets as TXR-B, TXR.
+
+Manufactured Home Certification Program (H1)
+
+Left-hand side of page—Manufactured Home Certification table
+
+• Column heads: “Certification,” “Identifier” set as equal columns TCH in 2 column table x 22
diff --git a/chunks/txt/c32e5be307cbfcf0b06553bdaad9120cb26722bc20115597fbf5c98db3e67fd8.txt b/chunks/txt/c32e5be307cbfcf0b06553bdaad9120cb26722bc20115597fbf5c98db3e67fd8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..02e4bf80f8b9ad492f813fe737c10e6a32645cae
--- /dev/null
+++ b/chunks/txt/c32e5be307cbfcf0b06553bdaad9120cb26722bc20115597fbf5c98db3e67fd8.txt
@@ -0,0 +1,83 @@
+/VALUATION_RESPONSE/PROPERTY/PROJECT/@_ConditionAndQualityD
+escription
+
+A free-form text field used to describe
+project common elements and recreation
+facilities.
+Indicates that project common elements
+are leased by the project management
+(e.g., HOA).
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/@_CommonElementsDescr
+iption
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommonElementsLease
+dIndicator='Y']
+
+50
+
+50
+
+50
+
+50
+
+4000
+
+4000
+
+1
+
+1
+
+1
+
+2
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Project Information Section
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Project Information Section
+
+UAD Requirement - Refer to Appendix D Project Information Section
+
+Numeric
+
+PDF Display Format:
+In percentage points (e.g. a value of 25 means 25%)
+
+String
+
+String
+
+String
+
+String
+
+String
+
+String
+
+String
+
+Boolean
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+This field occurs on every page of the form and must be consistent. The placement of
+the header on the form varies from vendor to vendor. The print reference placement on
+Appendix C is not required and is for illustrative purposes only.
+
+This field occurs on every page of the form and must be consistent. The placement of
+the header on the form varies from vendor to vendor.
+
+This field occurs on every page of the form and must be consistent. The placement of
+the header on the form varies from vendor to vendor. The print reference placement on
+Appendix C is not required and is for illustrative purposes only.
diff --git a/chunks/txt/c3513d3eba3acf4a79129a13e2c15c6b494ed35830bed9a697b7911c68f812ce.txt b/chunks/txt/c3513d3eba3acf4a79129a13e2c15c6b494ed35830bed9a697b7911c68f812ce.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7f80f4f765a233a9121a56e316d74c3253ce9e08
--- /dev/null
+++ b/chunks/txt/c3513d3eba3acf4a79129a13e2c15c6b494ed35830bed9a697b7911c68f812ce.txt
@@ -0,0 +1,53 @@
+Examples
+
+Example of a singular PropertyValuationConditionalConclusionType: Subject to Completion Per Plans
+
+This appraisal is made subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been
+completed. This might have affected the assignment results.
+
+Example of two PropertyValuationConditionalConclusionType: Subject to Completion Per Plans and Subject to Repair
+
+This appraisal is made subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been
+completed, and subject to the itemized list of repairs recommended below on the basis of a hypothetical condition that the repairs or alterations have
+been completed in a professional manner. This might have affected the assignment results.
+
+03 Itemized List of Repairs
+
+The Itemized List of Repairs section displays a list of individual repairs that were required in the original appraisal and their status as of the date of the
+completion inspection.
+
+Page 19
+
+The Itemized List of Repairs section does not display when there are no itemized repair items.
+
+• Each itemized repair from the original appraisal report must include the CompletionReportNewDefectIndicator - (UID: 3900.0015, FID: Not on
+
+report) = “false”
+
+Report
+Field ID
+
+Report Label
+
+Unique ID MISMO Data Point Name
+
+Display Rules
+
+Completion Report: Itemized List of Repairs (Figure 03 - 1)
+
+03.001
+
+Feature
+
+3900.0117 DefectComponentLabelType
+
+03.002
+
+Location
+
+3900.0010 DefectItemLocationType
+
+Display when PropertyValuationConditionalConclusionType =
+"SubjectToRepair" AND CompletionReportNewDefectIndicator = "false"
+Display a separate row for each repair item.
+- When the same Feature has multiple repair items, repeat the
diff --git a/chunks/txt/c35623e6d07831d732545bb2109c87fe2254941381b3afbb8474cc05fbcc3ffd.txt b/chunks/txt/c35623e6d07831d732545bb2109c87fe2254941381b3afbb8474cc05fbcc3ffd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1faf1388cb4169968092d245590ecbe42cf4423a
--- /dev/null
+++ b/chunks/txt/c35623e6d07831d732545bb2109c87fe2254941381b3afbb8474cc05fbcc3ffd.txt
@@ -0,0 +1,117 @@
+Page 5 of 22
+
+Sketch
+
+Measurement Standard
+
+ANSI
+
+Sketch
+
+This is where the Sketch image would display.
+
+Dwelling Exterior
+
+Subject Property Units in
+Structure
+Structure Design
+Front Door Elevation
+Townhouse End Unit
+Townhouse Back to Back
+Units Above or Below
+Year Built
+Construction Method
+Converted Area
+
+1
+Rowhouse/Townhouse
+2-3 Ft.
+Yes
+No
+No
+2016
+Site Built
+None
+
+This is where the Subject Property photo would display.
+
+Appraiser Reference ID LN1265431Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)
+
+Uniform Residential Appraisal Report
+
+Page 6 of 22
+
+Dwelling Exterior (continued)
+
+Quality and Condition
+
+Exterior Quality Rating
+
+Q3
+
+Exterior Condition Rating
+
+C3
+
+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
+
+Detail
+Brick | Wood
+
+Foundation
+
+Roof
+
+Windows
+
+Poured Concrete | Basement
+
+Slate
+Estimated Age: 1-10 years
+
+Mostly double hung
+windows - some palladian
+and transom windows noted.
+
+Mechanical System Details
+
+Heating
+
+Cooling
+
+System
+Forced Warm Air
+
+Centralized
+
+Detail
+Natural Gas
+
+Quality Comment
+The exterior walls and trim
+use upper end finishes
+and materials. Trim is more
+extensive than that typically
+seen for these types of
+structures.
+
+Slate shingles are typically
+considered to be an upper
+end material for this type of
+structure.
+
+Condition Status
+Typical Wear and Tear
+
+Condition Comment
+Evidence of possible termite
+infestation.
+
+Typical Wear and Tear
+
+Typical Wear and Tear
diff --git a/chunks/txt/c365efccdaed446e4bcf1c62ff2116d2e9c0b7a4bf10871cb236ee397d9502e9.txt b/chunks/txt/c365efccdaed446e4bcf1c62ff2116d2e9c0b7a4bf10871cb236ee397d9502e9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ef2e113b9701ddcb017149e4519142dc628dbc1a
--- /dev/null
+++ b/chunks/txt/c365efccdaed446e4bcf1c62ff2116d2e9c0b7a4bf10871cb236ee397d9502e9.txt
@@ -0,0 +1,71 @@
+Appendix F-2: Appraisal Update Report Reference Guide
+
+Page 19 of 28
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+04 Assignment Information
+
+Assignment Information: Contact Information – Other Information about Appraiser and Supervisory Appraiser
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+04.025
+04.040
+
+Employment
+Type
+
+Required on VA
+assignments
+
+Allowable
+Answers / Format
+
+Choose an
+allowable answer
+from table
+(Employment
+Type)
+
+Definition / Additional Guidance
+
+The employment category for the appraiser.
+•
+•
+
+Independent Fee Appraiser
+Staff Appraiser
+
+Reference VA appraisal guidelines for more information.
+
+Allowable Answer
+
+Independent Fee Appraiser
+
+Assignment Information: Employment Type
+
+Definition / Additional Guidance
+
+An independent contractor treated for purposes of federal income taxation as an independent contractor by both the
+lender/client and the appraisal management company ordering the appraisal. The appraiser is issued a Form 1099 and is
+responsible under IRS rules accordingly.
+
+Staff Appraiser
+
+An employee for purposes of federal income taxation by either the lender/client or the appraisal management company
+ordering the appraisal. The appraiser is expected to be issued a Form W-2.
+
+Significant Real Property Appraisal Assistance
+
+This subsection of Assignment Information provides details about people who provided significant real property
+appraisal assistance to the appraiser. A contact (person) displays in this subsection when the Significant Real
+Property Appraisal Assistance Role is chosen for the contact. If no one provided professional assistance, do not
+choose a Role of Significant Real Property Appraisal Assistance, and this subsection does not display.
diff --git a/chunks/txt/c36accf1091dfbc7019581daf10ef4e1db42584f5101baf75baecf4763a0f1a0.txt b/chunks/txt/c36accf1091dfbc7019581daf10ef4e1db42584f5101baf75baecf4763a0f1a0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2d605777d2af0dd9621969f40e9854559317aa14
--- /dev/null
+++ b/chunks/txt/c36accf1091dfbc7019581daf10ef4e1db42584f5101baf75baecf4763a0f1a0.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/reports/chief-foia-officer-report"
+date_accessed: "2026-01-27T17:54:20.676Z"
+---
+
+> *[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)
diff --git a/chunks/txt/c38b7a6f68c84979938d6b9b0d71110e7c42df8066e47b4237f995a3ee408dd3.txt b/chunks/txt/c38b7a6f68c84979938d6b9b0d71110e7c42df8066e47b4237f995a3ee408dd3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f1e7c9294633a602575cb685372caf2aeffd902c
--- /dev/null
+++ b/chunks/txt/c38b7a6f68c84979938d6b9b0d71110e7c42df8066e47b4237f995a3ee408dd3.txt
@@ -0,0 +1,24 @@
+The MISMO v3.3.0 LDD includes a broad range of enumerated values to support the Closing
+Disclosure which will cover most scenarios in the closing process; however, there may be
+situations where the published list may not support your business use case. In these instances,
+the enumerated value “Other” may be used for the applicable data point. When “Other” is
+used, the identically-named data point ending in OtherDescription also must be provided to
+identify or describe “Other”. For example: An uncommon type of insurance that is not found
+in the UCD enumerated values must be provided in the XML file as: PrepaidItemType = “Other”
+and PrepaidItemTypeOtherDescription = “LandslideInsurance”.
+
+Appendix I prescribes the values that may be entered for some “TypeOtherDescription” data
+points. When this is the case, values will be entered in the “Supported UCD Enumerations”
+column.
+
+The data points and containers used to disclose data in 1.4 Settlement Agent, 2.0 Transaction
+Information and 23.0 Contact Information are grouped within the repeatable PARTY
+structure. PARTY holds information about either an individual or legal entity who is “party” to
+the closing transaction.
+In UCD, a separate PARTY container must be used for each individual or legal entity who
+participates in the transaction, even if they are the same PartyRoleType.
+PARTY containers may repeat with the same value of PartyRoleType. For example, for a
+PartyRoleType value of “Borrower,” the PARTY container is included in the XML file the same
+number of times as there are Borrowers to disclose.
+
+Appendix E: UCD Implementation Guide
diff --git a/chunks/txt/c3a63a81c6266ca5a7f4a3059ca870c2d5f2d8cc528a79c2fe10976b12fba6ec.txt b/chunks/txt/c3a63a81c6266ca5a7f4a3059ca870c2d5f2d8cc528a79c2fe10976b12fba6ec.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d712b02313122682a8778aa14d2ef8e66a63e02c
--- /dev/null
+++ b/chunks/txt/c3a63a81c6266ca5a7f4a3059ca870c2d5f2d8cc528a79c2fe10976b12fba6ec.txt
@@ -0,0 +1,108 @@
+Uniform Residential Appraisal Report
+
+Page 7 of 18
+Page 7 of 18
+
+Unit Interior (continued)
+
+Level 1 - Bedroom
+
+Level 1 - Dining Room
+
+Level 1 - Living Room
+
+Functional Obsolescence
+
+Functional Issues
+
+None
+
+Vehicle Storage
+
+Storage
+Parking Garage
+
+Number of Parking Spaces
+1 | Owned
+
+Detail
+
+Apparent Defects, Damages, Deficiencies (Vehicle Storage)
+
+None
+
+Vehicle Storage Commentary
+
+Additional commentary can be added here, if needed by Appraiser.
+
+Subject Property Amenities
+
+Amenity Category
+Outdoor Living
+
+Subject Property Amenity
+Balcony
+
+Material
+Concrete
+
+Detail
+120 Sq. Ft.
+
+Apparent Defects, Damages, Deficiencies (Subject Property Amenities)
+
+None
+
+Subject Property Amenities Commentary
+
+Additional commentary can be added here, if needed by Appraiser.
+
+Appraiser Reference ID 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1)
+
+Uniform Residential Appraisal Report
+
+Page 8 of 18
+Page 8 of 18
+
+Subject Property Amenities (continued)
+
+Subject Property Amenities Exhibits
+
+Balcony
+
+Overall Quality and Condition
+
+Overall Quality
+Interior Quality
+
+Q3
+Q3
+
+Overall Condition
+Interior Condition
+
+C3
+C3
+
+Reconciliation of Overall Quality and Condition
+
+The subject unit has received recent, extensive updating throughout, which translates to Q3 and C3.
+
+Highest and Best Use
+
+Is the present use of the subject property …
+
+Legally Permissible
+Physically Possible
+
+Yes
+Yes
+
+Financially Feasible
+Maximally Productive
+
+Yes
+Yes
+
+Yes No
+Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  
diff --git a/chunks/txt/c3a6753ab95dbffc0e9790cec436fae93d86d1908e903e058e2a3ecb66d2f3a8.txt b/chunks/txt/c3a6753ab95dbffc0e9790cec436fae93d86d1908e903e058e2a3ecb66d2f3a8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c72033cad73cf8b4fc50762f435c54deac9d9ad7
--- /dev/null
+++ b/chunks/txt/c3a6753ab95dbffc0e9790cec436fae93d86d1908e903e058e2a3ecb66d2f3a8.txt
@@ -0,0 +1,23 @@
+In establishing benchmarks for the single-family home purchase and refinance goals for Fannie Mae and Freddie Mac (the Enterprises), the Federal Housing Finance Agency (FHFA) is required to measure the size of the affordable mortgage market. This FHFA technical report documents the statistical...
+ - Briefs, Notes & White Papers
+
+August 22, 2024
+
+## [The Size of the Affordable Mortgage Market: 2025-2027 Enterprise Single-Family Housing Goals](/research/papers/2025-2027-enterprise-single-family-housing-goals)
+
+In establishing benchmarks for the single-family home purchase housing goals for Fannie Mae and Freddie Mac (the Enterprises), the Federal Housing Finance Agency (FHFA) is required to measure the size of the mortgage market. This FHFA technical report documents the statistical forecast models that...
+ - Briefs, Notes & White Papers
+
+December 8, 2022
+
+## [FHFA Mortgage Analytics Platform (Version 3.0)](/research/papers/fhfa-mortgage-analytics-platform-version-3)
+
+​This white paper incorporates the following major enhancements and updates reflected in the third version of the Single-family FHFA Mortgage Analytics Platform (FMAP v3.0) since version 2.0 of FMAP was released in May 2020.
+ - Briefs, Notes & White Papers
+
+December 22, 2021
+
+## [The Size of the Affordable Mortgage Market: 2022-2024 Enterprise Single-Family Housing Goals - December 2021](/research/papers/2022-2024-enterprise-single-family-housing-goals-12-2021)
+
+In establishing benchmarks for the single-family home purchase and refinance goals for Fannie Mae and Freddie Mac (the Enterprises), the Federal Housing Finance Agency (FHFA) is required to measure the size of the affordable mortgage market. This FHFA technical report documents the statistical...
+ - Briefs, Notes & White Papers
diff --git a/chunks/txt/c3cad7535f6bec2c1c936056a12c024149bb673af650ef22517143e05c591291.txt b/chunks/txt/c3cad7535f6bec2c1c936056a12c024149bb673af650ef22517143e05c591291.txt
new file mode 100644
index 0000000000000000000000000000000000000000..43237618bd41cfde6754f77dd9f2af281233851f
--- /dev/null
+++ b/chunks/txt/c3cad7535f6bec2c1c936056a12c024149bb673af650ef22517143e05c591291.txt
@@ -0,0 +1,47 @@
+B. PURPOSE
+
+The primary purpose of the I-Guide is to provide Appendix I users with a better understanding of the MISMO
+version 3.3.0 Reference Model (MISMO v3.3.0) data used to populate each section of the Closing Disclosure.
+
+Appendix C: Sample Closing Disclosures with Reference Numbers provides an identifier for each Closing
+Disclosure field known as the “form field ID.” The red form field ID in Appendix C also appears in Appendix I.
+Figure 1 highlights the form field ID 1.1 in the Appendix C and Appendix I excerpts in yellow.
+
+The I-Guide presents sections of Appendix C followed by excerpts from Appendix I to explain how to use UCD
+data to provide in an XML document all the form field entries on the Closing Disclosure.
+
+Users can filter on the “UCD Form Field ID” column in Appendix I to find all MISMO data points needed to
+populate a specific Closing Disclosure field.
+
+1 Also known as the Bureau of Consumer Financial Protection.
+2 See title page for list of amendments and Federal Register references.
+
+Appendix E: UCD Implementation Guide
+
+Page 9 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+I. Introduction
+
+Figure 1. UCD Form Field ID Cross References
+
+Appendix E: UCD Implementation Guide
+
+Page 10 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+II. Document Structure
+
+II. DOCUMENT STRUCTURE
+
+The I-Guide is a reference manual organized to facilitate finding form sections or fields. References to document
+sections are hyperlinked so that [CTRL + Click] will jump to that section. References to documents available on
+the web are also hyperlinked.
+
+A. D OCUMENTATI ON CONVENT I ONS
diff --git a/chunks/txt/c3ea36ac71381a11e507652003c5001d857047b1bf299ae0ce0f3ae041f0768c.txt b/chunks/txt/c3ea36ac71381a11e507652003c5001d857047b1bf299ae0ce0f3ae041f0768c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c4e78c815ade733bc7cd7805e88b81eb077a1061
--- /dev/null
+++ b/chunks/txt/c3ea36ac71381a11e507652003c5001d857047b1bf299ae0ce0f3ae041f0768c.txt
@@ -0,0 +1,23 @@
+When providing builder sales from competing projects that are not presently available through traditional data sources, the
+appraiser must verify the sale from the applicable settlement statement and indicate on the appraisal report that the settlement
+statement was the document utilized for verification. Additionally, the appraisal must include discussion and analysis of sales
+concessions and upgrades for the subject property relative to concessions and upgrades for each builder sale. (For special
+appraisal considerations regarding condo projects, see Selling Guide B4-1.4-03, Condo Appraisal Requirements.)
+
+Rural Properties
+
+Rural properties often have large lot sizes, and rural locations can be relatively undeveloped. Therefore, there may be a shortage
+(or absence) of recent truly comparable sales in the immediate vicinity of a subject property. If the appraiser’s analysis of the
+market data shows the best indicators of value for the subject property are a considerable distance away, those comparable sales
+can be used if it produces credible assignment results. The appraisal must include an explanation of why the particular
+comparables were selected.
+
+Use of Foreclosures and Short Sales
+
+It is acceptable to use foreclosures and short sales as comparables if the market data indicates they are the best and most
+appropriate sales available. The appraiser must address in the appraisal report the prevalence of such sales in the subject’s
+market and their impact including the conditions of sale. The appraiser cannot assume the conditions of the sale are equal to or
+represent a market value for the comparable property. For example, a short sale property that sells below market value will need
+a conditions of sale adjustment. The appraiser must identify the financing type as REO sale or short sale, as appropriate. (For
+specific information regarding comparable sale adjustments, see SB4-1.3-09, Adjustments to Comparable Sales, and for
+information regarding financing types, see Appendix F-1: URAR Reference Guide.)
diff --git a/chunks/txt/c3f0538afd2065c321db1ea8eaa43ffe2e7ff64130e4f8de1eb618efa1a5b974.txt b/chunks/txt/c3f0538afd2065c321db1ea8eaa43ffe2e7ff64130e4f8de1eb618efa1a5b974.txt
new file mode 100644
index 0000000000000000000000000000000000000000..678f1a0f64e87059d0daa501014a15e7f8cba739
--- /dev/null
+++ b/chunks/txt/c3f0538afd2065c321db1ea8eaa43ffe2e7ff64130e4f8de1eb618efa1a5b974.txt
@@ -0,0 +1,40 @@
+Page 218
+
+Apparent Defects, Damages, Deficiencies
+
+•
+
+Images provided for Apparent Defects, Damages, Deficiencies (Vehicle Storage) must be delivered in the IMAGE container located in the
+instance of the DEFECT container that represents the given defect.
+
+• The text “Apparent Defects, Damages, Deficiencies - ” precedes the CarStorageType (UID: 1400.0638, FID: 13.005.1).
+• An additional caption may be provided using ImageCaptionCommentDescription (UID: 1400.0640, FID: 13.005.2) and will also display above the
+
+image following the storage type.
+
+Additional Exhibits
+
+• Any additional images provided must be delivered using ImageCategoryType (UID: 1400.0638, FID: 13.011.1) =
+
+“VehicleStorageExhibit”.
+
+• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 13.011.2).
+
+Reference Key Concept - Image Data for detailed guidance on the various ways images are handled in the URAR.
+
+Vehicle Storage – Arcrole Relationships
+
+Arcrole relationships establish "relationships" or linkages in the XML data file that may be visually obvious on the URAR Report. In the XML
+data specific instances of data points or containers must be connected to properly represent the information.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+• 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.
+
+Page 219
+
+DEFECT to CAR_STORAGE
+
+Provide the relationship that joins the relevant DEFECT to the CAR_STORAGE instance that has the defect, damage or deficiency. One
+RELATIONSHIP container is required for each defect identified on the exterior of the dwelling.
diff --git a/chunks/txt/c3f1ca060447eb27bfdc601f38eec599f143d8136fa2e6bf1c3cd4f6f87bb3c6.txt b/chunks/txt/c3f1ca060447eb27bfdc601f38eec599f143d8136fa2e6bf1c3cd4f6f87bb3c6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..310be3af9e08ae61554bb1abf4d7cdaf36cbcd13
--- /dev/null
+++ b/chunks/txt/c3f1ca060447eb27bfdc601f38eec599f143d8136fa2e6bf1c3cd4f6f87bb3c6.txt
@@ -0,0 +1,12 @@
+- [Enterprise Multifamily Public Use Dashboard](/data/dashboard/enterprise-multifamily-public-use-database)
+- [Press Release: FHFA Releases Data Visualization Dashboard for Enterprises’ Multifamily Mortgage Acquisitions](/news/news-release/fhfa-releases-data-visualization-dashboard-for-enterprises-multifamily-mortgage-acquisitions)
+
+## Mortgage Loan & Natural Disaster
+
+This interactive Mortgage Loan and Natural Disaster Dashboard combines FHFA’s PUDB data on single-family and multifamily acquisitions for the regulated entities (Fannie Mae, Freddie Mac, and the Federal Home Loan Bank System), FEMA’s National Risk Index (NRI), and FHFA’s Duty to Serve 2023 High-Needs rural areas. Desired geographies can be exported to .pdf and Excel from the Mortgage Loan and Natural Disaster Dashboard.
+
+- [Mortgage Loan and Natural Disaster Dashboard](/data/dashboard/mortgage-loan-and-natural-disaster)
+- [Mortgage Loan and Natural Disaster Dashboard FAQs](/faqs/mortgage-loan-and-natural-disaster)
+- [FHFA Stats Blog: Mortgage Loan and Natural Disaster Dashboard Blog Post](/blog/statistics/fhfa-mortgage-loan-and-natural-disaster-dashboard-blog-a-case-study-of-hurricane-beryl)
+
+*Page Last Updated: November 25, 2025*
diff --git a/chunks/txt/c4207d98b153d8b0f50ce813ebf41154e1106f48fff5b337a4181c51f021d274.txt b/chunks/txt/c4207d98b153d8b0f50ce813ebf41154e1106f48fff5b337a4181c51f021d274.txt
new file mode 100644
index 0000000000000000000000000000000000000000..eabf9d20937cdebb2f5419701f4bee498b500587
--- /dev/null
+++ b/chunks/txt/c4207d98b153d8b0f50ce813ebf41154e1106f48fff5b337a4181c51f021d274.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/data/hpi"
+date_accessed: "2026-01-27T17:47:50.444Z"
+---
+
+> *[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)
diff --git a/chunks/txt/c4239c8de7d25d8b866d2fc1ed6a8c7b1d7b44924ae59f3795035e22841aa66b.txt b/chunks/txt/c4239c8de7d25d8b866d2fc1ed6a8c7b1d7b44924ae59f3795035e22841aa66b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2e761359b541f069a046ffd0ccb40dae7dbfea46
--- /dev/null
+++ b/chunks/txt/c4239c8de7d25d8b866d2fc1ed6a8c7b1d7b44924ae59f3795035e22841aa66b.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/policy/mortgage-servicing"
+date_accessed: "2026-01-27T17:48:04.338Z"
+---
+
+> *[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)
diff --git a/chunks/txt/c43a5e7cc9f562140d3a364fdddb74f79a5e3237740c01f279a8e4c6df8d952c.txt b/chunks/txt/c43a5e7cc9f562140d3a364fdddb74f79a5e3237740c01f279a8e4c6df8d952c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d65be63a8110109bee0c94296f7ca677067f4fa9
--- /dev/null
+++ b/chunks/txt/c43a5e7cc9f562140d3a364fdddb74f79a5e3237740c01f279a8e4c6df8d952c.txt
@@ -0,0 +1,38 @@
+If the appraiser developed an opinion of site value, then the appraiser must also include the method by which the site value is
+calculated. For the sales comparison, the land comparables used to develop the site value must be provided. The Reconciliation
+of Site Value commentary must include any additional details necessary to support the appraiser’s opinion of site value, such as
+date of sale, access, utilities, zoning, views, or site influences of the land comparables in relation to the subject property.
+
+Subject Property Zoning
+
+The appraiser must identify the specific zoning classification code in the appraisal report, such as R-1 or R-2, and provide a
+general description as to what the zoning permits, such as single family or two-unit properties. The appraisal must also indicate
+whether the subject property presents
+
+•
+
+•
+
+•
+
+a legal conforming use,
+
+a legal non-conforming use,
+
+an illegal use, or
+
+• no local zoning.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 78 of 166
+
+UAD 3.6 Policy
+
+If the subject’s zoning compliance is illegal under the zoning regulations, the appraisal report must contain the reason(s) the site
+does not comply with the zoning regulations.
+
+Fannie Mae only purchases or securitizes loans on properties if the improvements constitute a legal conforming use of the land.
+However, Fannie Mae will purchase or securitize a loan for a property that constitutes a legal, non-conforming use of the land
+provided that the appraisal analysis reflects any adverse effect that the non-conforming use has on the value and marketability of
+the property. This requirement applies to all property types.
diff --git a/chunks/txt/c43b7fe47c7fe960d9c968674ed3e0149a1db36465e8824763b99e4c85bd390c.txt b/chunks/txt/c43b7fe47c7fe960d9c968674ed3e0149a1db36465e8824763b99e4c85bd390c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4711c579309c29a33701d335e90cacead64a4397
--- /dev/null
+++ b/chunks/txt/c43b7fe47c7fe960d9c968674ed3e0149a1db36465e8824763b99e4c85bd390c.txt
@@ -0,0 +1,31 @@
+In preparation to conform to the new ISO 20022 standards, Fannie Mae will update existing wiring instructions by March 3,
+2025, using address information available in other Fannie Mae systems. If an address is unavailable, Fannie Mae will reach out
+to the Seller, Warehouse Lender or Disbursement Agent to gather an appropriate beneficiary address to be used. Delays in
+responding may cause funding delays due to wires being rejected.
+
+Fannie Mae will initially update the beneficiary address information for existing wiring instructions based on wiring
+instruction Receiver Type in Loan Delivery using the following methodology:
+
+•
+
+•
+
+•
+
+•
+
+If the Receiver Type is set to “Seller”, Fannie Mae will use the address provided on the Lender Record Information (Form
+582)
+If the Receiver Type is set to “Warehouse Lender”, Fannie Mae will use the address provided at the time of the warehouse
+lender’s registration (or the address most recently provided to Fannie Mae by the warehouse lender that is reflected in
+Fannie Mae’s systems)
+If the Receiver Type is set to “Disbursement Agent”, Fannie Mae will use the address provided at the time of the
+disbursement agent’s registration (or the address most recently provided to Fannie Mae by the disbursement agent that
+is reflected in Fannie Mae’s systems)
+If a Seller would like to update the beneficiary address, the updated Form 482 will need to be submitted after March 3,
+2025
+
+In accordance with ISO 20022, the beneficiary address will be on the wire details provided to the beneficiary bank.
+
+Effective March 10, beneficiary address information is required on all cash wiring instructions. Cash wires may be rejected if
+the beneficiary address information is missing.
diff --git a/chunks/txt/c4539effa096d11230e038c009b5d5ddd8a4e02e4a234ff04472f6cdaeb320cc.txt b/chunks/txt/c4539effa096d11230e038c009b5d5ddd8a4e02e4a234ff04472f6cdaeb320cc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dc4d58c66f89f88348531cdf06c013488d8a7279
--- /dev/null
+++ b/chunks/txt/c4539effa096d11230e038c009b5d5ddd8a4e02e4a234ff04472f6cdaeb320cc.txt
@@ -0,0 +1,99 @@
+•
+
+Appendix F-2: Appraisal Update Report Reference Guide
+
+Page 27 of 28
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+05 Certifications and Scope of Work
+
+Signature
+
+The Signature subsection always displays and repeats for each person (Appraiser and / or Supervisory Appraiser)
+who is signing the report. Only Appraisers and Supervisory Appraisers can sign the report.
+
+Most of the information in this subsection redisplays from Assignment Information.
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+05.038 Appraiser or
+Supervisory
+Appraiser
+
+05.041 N/A
+
+05.040 Date of
+
+Signature and
+Report
+
+05.042
+
+Level
+
+Always displays for
+each person signing
+the report
+
+Always displays for
+each person signing
+the report
+
+Always displays for
+each person signing
+the report
+
+Always displays for
+each person signing
+the report
+
+Signature
+
+Allowable
+Answers / Format
+
+Appraiser or
+Supervisory
+Appraiser
+
+Free-form
+
+Definition / Additional Guidance
+
+Contact Name
+The full name of the appraiser or supervisory appraiser, as it appears on the
+Appraisal Subcommittee website.
+
+Note: Redisplays from 04.011 (Appraiser) or 04.026 (Supervisory Appraiser).
+
+mm/dd/yyyy
+
+The date the Restricted Appraisal Update report was signed.
+Note: If revisions are performed, the report must reflect the new date.
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+Credential Type
+•
+
+None (includes noncredentialled appraiser trainees or jurisdictions that
+don’t provide credentials to appraiser trainees)
+Certified General
+Certified Residential
+Licensed Residential
+Trainee Appraiser (appraiser trainees with an issued credential, also
+referred to as Registered Trainee)
+Other (Describe)
diff --git a/chunks/txt/c45578277a8af41f4fc661086fde2b287c56f5f40e1124481acb4b44be182886.txt b/chunks/txt/c45578277a8af41f4fc661086fde2b287c56f5f40e1124481acb4b44be182886.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f3d97876316c333e166eb350245f8d5b69da5403
--- /dev/null
+++ b/chunks/txt/c45578277a8af41f4fc661086fde2b287c56f5f40e1124481acb4b44be182886.txt
@@ -0,0 +1,25 @@
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
+
+## Footer
+
+- [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
+
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/34906","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en","currentQuery":{"category":{"961":"961"}}},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"\/research":true,"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();
diff --git a/chunks/txt/c463ba16e8442cceacfc46dc98a7c503e207170b6bf6bc4118e7d8eb4f8a2eb5.txt b/chunks/txt/c463ba16e8442cceacfc46dc98a7c503e207170b6bf6bc4118e7d8eb4f8a2eb5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..60e6f32baa7243e628b776722124a63b5e461e0b
--- /dev/null
+++ b/chunks/txt/c463ba16e8442cceacfc46dc98a7c503e207170b6bf6bc4118e7d8eb4f8a2eb5.txt
@@ -0,0 +1,41 @@
+[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](/)
+ - [Policy](/policy)
+ - Mortgage Servicing
+
+Policy
+
+# Mortgage Servicing
+
+Since 2008, FHFA has worked with Fannie Mae and Freddie Mac (the Enterprises) to develop and implement a variety of programs and initiatives to address challenges in the servicing market. FHFA and the Enterprises have worked to align servicers' loss mitigation tools, promote servicing market liquidity and efficiency, and create stronger counterparty financial requirements.
diff --git a/chunks/txt/c46aa8e42cac8af909789bc0a83da781a6f708d75610e40f45d7474ce1fd5bc2.txt b/chunks/txt/c46aa8e42cac8af909789bc0a83da781a6f708d75610e40f45d7474ce1fd5bc2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..28df70d6f0213b65ee45f0fb162ce73aad8fb6f4
--- /dev/null
+++ b/chunks/txt/c46aa8e42cac8af909789bc0a83da781a6f708d75610e40f45d7474ce1fd5bc2.txt
@@ -0,0 +1 @@
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/27706","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();
diff --git a/chunks/txt/c472956e2eb858922e9bf8366bd1a5f61fceaf3a8231a4085af298087dfaf5de.txt b/chunks/txt/c472956e2eb858922e9bf8366bd1a5f61fceaf3a8231a4085af298087dfaf5de.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ab070edfc3199af38b13ffbf7c1446a5534ea55a
--- /dev/null
+++ b/chunks/txt/c472956e2eb858922e9bf8366bd1a5f61fceaf3a8231a4085af298087dfaf5de.txt
@@ -0,0 +1,51 @@
+1 Unit
+2 Units
+3 – 4 Units
+
+FRM: 97%
+ARM: 95%
+FRM/ARM: 95% (currently 85%)
+FRM/ARM: 95% (currently 75%)
+
+HomeStyle® Renovation Requirements – Desktop Underwriter Version 11.1
+Excludes: High LTV Refinance and Manufactured Housing
+
+Principal Residence
+
+Purchase
+Limited Cash-Out Refinance
+
+1 Unit
+2 Units
+3-4 Units
+
+FRM: 97%
+ARM: 95%
+FRM/ARM: 95% (currently 85%)
+FRM/ARM: 95% (currently 75%)
+
+© 2023 Fannie Mae.
+
+10.25.23 1 of 3
+
+Note: Loan Delivery and EarlyCheck™ will be updated Nov. 17, 2023, to support the higher LTV ratios.
+
+Risk and Eligibility Assessment (added to release notes Oct. 25, 2023)
+
+As part of normal business operations and prudent risk management, we regularly review and adjust the DU risk assessment
+based on the latest market and loan performance data. These reviews include an evaluation of the risk factors evaluated by DU.
+With this release DU will no longer consider number of borrowers as a factor in the risk assessment.
+
+This change supports our efforts to provide prudent and sustainable homeownership to credit worthy borrowers, including
+single-person households, in a safe and sound manner. In addition, this change aligns DU’s risk assessment with the Enterprise
+Regulatory Capital Framework, which does not include the number of borrowers as a factor in determining capital allocation. We
+anticipate that this change may yield a slight increase in loan casefiles receiving an Approve/Eligible recommendation.
+
+This change will only apply to DU Version 11.1 loan casefiles created on or after Nov. 20, 2023.
+
+HomeStyle Energy
+
+DU will now identify HomeStyle Energy loan casefiles using the “Mortgage loan will finance energy-related improvements”
+indicator when the loan is also a HomeStyle Renovation loan. This will allow lenders to include the amount of the energy
+improvements in Line B of Qualifying the Borrower, instead of requiring an amount to be provided in the “Energy improvements
+included in transaction” field.
diff --git a/chunks/txt/c4765c84fc6da1adfa785be6ed9b4d3aef2cea6ba3b618225d11dc906425deff.txt b/chunks/txt/c4765c84fc6da1adfa785be6ed9b4d3aef2cea6ba3b618225d11dc906425deff.txt
new file mode 100644
index 0000000000000000000000000000000000000000..06f3922275cf0ca89eb1da8e8bd314f392f9e2e7
--- /dev/null
+++ b/chunks/txt/c4765c84fc6da1adfa785be6ed9b4d3aef2cea6ba3b618225d11dc906425deff.txt
@@ -0,0 +1,163 @@
+2019 FHLBank Public Use Database
+
+New Field Name
+Year
+LoanCharacteristicsID
+Bank
+FIPSStateNumericCode
+FIPSCountyCode
+CoreBasedStatisticalAreaCode
+
+Previous Field Name
+Year
+Assigned ID
+Bank
+FIPSStateCode
+FIPSCountyCode
+MSA
+
+New Business Name
+Year
+Loan Characteristics ID
+Bank
+FIPS State Numeric Code
+FIPS County Code
+Core Based Statistical Area Code
+
+CensusTractIdentifier
+
+Tract
+
+Census Tract Identifier
+
+CensusTractMinorityRatioPercent
+
+MinPer
+
+Census Tract Minority Ratio Percent
+
+1
+2
+3
+4
+5
+6
+
+7
+
+8
+
+9
+10
+
+CensusTractMedFamIncomeAmount
+LocalAreaMedianIncomeAmount
+
+TraMedY
+LocMedY
+
+Census Tract Median Family Income Amount
+Local Area Median Income Amount
+
+11
+
+TotalMonthlyIncomeAmount
+
+Income
+
+Total Monthly Income Amount
+
+12 HUDMedianIncomeAmount
+
+CurAreY
+
+HUD Median Income Amount
+
+13
+
+LoanAcquisitionActualUPBAmt
+
+14
+
+LTVRatioPercent
+
+15 NoteDate
+16
+17
+
+LoanAcquistionDate
+LoanPurposeType
+
+UPB
+
+LTV
+
+MortDate
+AcquDate
+Purpose
+
+Loan Acquisition Actual UPB Amount
+
+LTV Ratio Percent
+
+Note Date
+Loan Acquisition Date
+Loan Purpose Type
+
+18
+
+ProductCategoryName
+
+Product
+
+Product Category Name
+
+19 MortgageType
+
+FedGuar
+
+Mortgage Type
+
+20
+21
+
+ScheduledTotalPaymentCount
+LoanAmortizationMaxTermMonths
+
+Term
+AmorTerm
+
+Scheduled Total Payment Count
+Loan Amortization Max Term Months
+
+22 MortgageLoanSellerInstType
+
+SellType
+
+Mortgage Loan Seller Inst Type
+
+23
+24
+25
+
+BorrowerCount
+BorrowerFirstTimeHomebuyer
+Borrower1Race1Type
+
+NumBor
+First
+BoRace
+
+Borrower Count
+Borrower First Time Homebuyer Indicator
+Borrower1 Race 1 Type
+
+26
+
+Borrower2Race1Type
+
+CoRace
+
+Borrower2 Race1 Type
+
+Effective January 1, 2019
diff --git a/chunks/txt/c477711a537b346e142ec8f46ee1a57f971d631d36fdcac97ba01cb4e4568100.txt b/chunks/txt/c477711a537b346e142ec8f46ee1a57f971d631d36fdcac97ba01cb4e4568100.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d96efe7f6e5837773b16cf3e4e2234a104f9ddf4
--- /dev/null
+++ b/chunks/txt/c477711a537b346e142ec8f46ee1a57f971d631d36fdcac97ba01cb4e4568100.txt
@@ -0,0 +1,61 @@
+Sketch
+
+Additional commentary can be added here, if needed by Appraiser.
+
+HighestAndBestUse
+
+The subject is legally permissible and physically possible under the current zoning, 1-5 MH Residential, which allows for manufactured and modular homes on a minimum 12,000 square foot lot. Analysis indicates that the subject is in a market area of similar sized lots that are improved with comparable manufactured and modular homes demonstrating market acceptance. Sales prices of vacant and improved properties support the conclusion that the subject represents the highest and best use as improved. The property is outside the city limits and all types of single family homes are appropriate.
+
+OverallQualityAndCondition
+
+The overall quality and condition ratings are reflective of the interior and exterior quality and condition ratings.
+
+SubjectPriorSalesAndTransferHistory
+
+The prior transfer of the subject was a land sale. Purchase of the manufactured home was separate from this transaction. The manufactured home was installed after the purchase of the land.
+
+ComparablesPriorSalesAndTransferHistory
+
+There were no prior sales or transfers of the comparable sales within the last 12 months.
+
+VehicleStorage
+
+The subject features an attached 2 car garage with electric garage door opener.
+
+false
+
+Utilize this subsection for additional commentary as required by USPAP.
+
+AsIs
+
+2022-03-14
+
+110
+
+ReasonableExposureTime
+
+275000
+
+false
+
+SRO-123345
+
+false
+
+AmericanNationalStandardsInstitute
+
+false
+
+false
+
+true
+
+URAR Delivery Specification v1.3
+
+InteriorAndExterior
+
+MYAPP
+
+Some Appraisal Creator
+
+11.2.1
diff --git a/chunks/txt/c47e683b561b94bc8eba7322d3abb36e8ba68d68d8ce1ae79a9e30c0046e1470.txt b/chunks/txt/c47e683b561b94bc8eba7322d3abb36e8ba68d68d8ce1ae79a9e30c0046e1470.txt
new file mode 100644
index 0000000000000000000000000000000000000000..51f343096ffd156141ba567e14dffb7fb0437f43
--- /dev/null
+++ b/chunks/txt/c47e683b561b94bc8eba7322d3abb36e8ba68d68d8ce1ae79a9e30c0046e1470.txt
@@ -0,0 +1,74 @@
+Version 1.4
+
+Uniform Closing Dataset
+
+12.0 L. Paid Already by or on Behalf of Borrower at Closing
+
+12.10 Assessment payment due from the seller to reimburse the borrower at the real estate closing, the start
+
+date and end date (inclusive) covered by the payment, and the total dollar amount.
+
+12.11
+
+Items not already predefined on the Closing Disclosure that have not yet been paid and which the
+consumer is expected to pay after the real estate closing, but which are attributable to the seller to a
+period prior to the real estate closing. A description and the amount of each item, the start and end date
+(inclusive) covered by the payment, and the total dollar amount must be disclosed. Examples include
+but are not limited to: utilities used but not paid for by the seller; rent collected in advance by the seller
+from a tenant for a period extending beyond the closing date; and interest on loan assumptions.
+
+The data points used to provide this information are shown in the table below. Only two types of Adjustments
+for Items Paid by Seller in Advance are shown in the illustration. If more adjustments are part of the
+transaction, repeat PRORATION ITEM for each adjustment.
+
+Table 122. Adjustments for Items Unpaid by Seller
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0
+Value
+
+Notes
+
+First Instance of PRORATION_ITEM
+
+12.8
+
+N/A - XML
+
+…/PRORATION_IT
+EM
+
+IntegratedDisclosureS
+ectionType
+
+PaidAlreadyByOrOn
+BehalfOfBorrowerA
+tClosing
+
+Not Shown
+
+12.8
+
+N/A - XML
+
+12.8.1
+
+City/Town Taxes
+($)
+
+12.8
+
+12.8
+
+City/Town Taxes
+DD/MM/YYYY to
+DD/MM/YYYY
diff --git a/chunks/txt/c48261278980ff1b53c9e16809fa732caf182db75801f8fb7b159ffe32e02f35.txt b/chunks/txt/c48261278980ff1b53c9e16809fa732caf182db75801f8fb7b159ffe32e02f35.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7634f03bd21bfca8a869374817c941e79039ad9f
--- /dev/null
+++ b/chunks/txt/c48261278980ff1b53c9e16809fa732caf182db75801f8fb7b159ffe32e02f35.txt
@@ -0,0 +1,146 @@
+123 Falling Tree Ct
+
+Treeville
+
+Arboreal
+
+12345
+
+VA
+
+PropertyPhoto
+
+\\Images\AU1_SubjectProperty.png
+
+image/png
+
+2020-03-20
+
+Physical
+
+NoInspection
+
+Lot 53 Sunnyside Subdivision
+
+FeeSimple
+
+false
+
+1234567
+
+Client
+
+AA9876543
+
+ValuationSoftwareVendor
+
+false
+
+false
+
+false
+
+false
+
+AA234567
+
+false
+
+2019-09-20
+
+90
+
+0
+
+490000
+
+AA12345
+
+Agatha Appraiser
+
+DEF Bank
+
+Restricted Appraisal Update Report Delivery Specification v1.3
+
+Exterior
+
+AASOFT
+
+Awesome Appraisal Software
+
+2.1
+
+Awesome Vendor, LLC
+
+I have summarized my analysis and conclusions in this appraisal update, even though this report does not contain all the supporting rationale for the opinions and conclusions set forth in this report, I have retained all supporting data and necessary documentation in my work file.
+Both the FHFA and Freddie Mac House Price Indices change of value for the MSA of Washington-Arlington-Alexandria-DC-VA-MD-WV, which the subject is in, was a 4.1% increase from the period of September 20, 2019 to March 20, 2020. I used the sales comparison approach by using multiple sales in the subject's market which confirms that the subject's market value has not decreased since the effective date of the original appraisal.
+
+2020-03-20
+
+false
+
+DEF Bank
+
+200 Elm St
+
+Anytown
+
+12346
+
+VA
+
+Lender
+
+Client
+
+Allan
+
+Appraiser
+
+300 Maple St
+
+Anytown
+
+12345
+
+VA
+
+XYZ Appraisal Company
+
+CertifiedResidential
+
+2022-03-31
+
+1234456A
+
+VA
+
+Appraiser
+
+Betty
+
+Borrower
+
+Borrower
+
+Bob
+
+Borrower
+
+Borrower
+
+Valuation
+
+2020-03-20
+
+\\AU1_AppraisalUpdate_v1.2.pdf
+
+application/pdf
+
+1
+
+ValuationUpdate
+
+FNM_FRE
+
+September 2024
diff --git a/chunks/txt/c49f75cf603e1f3de84734c469269fcfeb6803341b559089d2772dc94c931936.txt b/chunks/txt/c49f75cf603e1f3de84734c469269fcfeb6803341b559089d2772dc94c931936.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dc1eea18cb642cbee05457af245274ad78c621bd
--- /dev/null
+++ b/chunks/txt/c49f75cf603e1f3de84734c469269fcfeb6803341b559089d2772dc94c931936.txt
@@ -0,0 +1,88 @@
+Areas that are inundated or saturated by surface or ground water at a frequency and duration sufficient to support, and
+that under normal circumstances do support, a prevalence of vegetation typically adapted for life in saturated soil
+conditions. Wetlands generally include swamps, marshes, bogs, and similar areas.
+
+Residential real estate in which the primary structure comes up to, or very near to, the edge of the property line (e.g.,
+rowhouses, garden homes, patio homes, and townhomes).
+
+Other (Describe)
+
+Select Other to enter an answer that is not in the above list.
+
+Site Features Commentary
+
+Site Features Commentary
+
+Report
+Field ID
+
+4.066
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Site Features
+Commentary
+
+If applicable
+
+Free-form
+
+Definition / Additional Guidance
+
+Overall commentary for all site features, which could include information
+pertinent to site features that is not captured in the discrete data, or additional
+details to support the discrete data that is provided.
+
+Utilities and Impact to Value / Marketability
+
+Report Label
+
+When to Include
+
+Utilities
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Report
+Field ID
+
+4.067
+
+Always required
+
+Yes | No
+
+Broadband
+Internet
+Available
+
+4.068
+
+Dwelling /
+Improvement
+Within Utility
+Easement
+
+Required for FHA,
+USDA, and VA
+appraisals when
+Easement is Utility
+
+Yes | No
+
+•
+
+•
+
+Yes (high-speed internet access is publicly available exclusively through a
+digital subscriber line, fiber-optic, or cable)
+No (public high-speed internet access is unavailable or is only available
+through private satellite)
diff --git a/chunks/txt/c4a955451cc77054b4c2409164de197d59971f4d4d25e827f53ed3cbe034cd2b.txt b/chunks/txt/c4a955451cc77054b4c2409164de197d59971f4d4d25e827f53ed3cbe034cd2b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f99705353a2bda39e862ce061d5225d279ba13a1
--- /dev/null
+++ b/chunks/txt/c4a955451cc77054b4c2409164de197d59971f4d4d25e827f53ed3cbe034cd2b.txt
@@ -0,0 +1,175 @@
+Buyer
+
+ROF as “Borrower-
+Paid”
+
+…/PREPAID_ITEM/PR
+EPAID_ITEM_PAID_T
+O/LEGAL_ENTITY/LEG
+AL_ENTITY_DETAIL
+
+…/PREPAID_ITEM/PR
+EPAID_ITEM_PAYME
+NTS/PREPAID_ITEM_
+PAYMENT
+
+PrepaidItemPayment
+TimingType
+
+AtClosing
+
+Third Instance of PREPAID_ITEM
+
+…/PREPAID_ITEM/PR
+EPAID_ITEM_DETAIL
+
+FeePaidToType
+
+Lender
+
+Not Shown –
+ATR/QM
+
+IntegratedDisclosure
+SectionType
+
+Prepaids
+
+Not Shown
+
+PrepaidItemType
+
+PrepaidInterest
+
+ROF as “Prepaid
+Interest”
+
+PrepaidItemPaidFrom
+Date
+
+PrepaidItemPaidThro
+ughDate
+
+2018-04-15
+
+ROF as “4-15-18”
+
+2018-04-30
+
+ROF as “4-30-18”
+
+Appendix E: UCD Implementation Guide
+
+Page 132 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+8.0 Other Costs Table
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute MISMO v3.3.0 Value
+
+Notes
+
+Figure 84. Prepaids
+
+8.7.1 Prepaid Interest from
+
+___ to ___ ($ per
+day)
+
+8.7.1 N/A
+
+N/A - GSE
+
+UID
+8.256
+
+8.7.2 Borrower-Paid At
+Closing ($)
+
+8.7.2 Borrower-Paid
+
+…/PREPAID_ITEM/PR
+EPAID_ITEM_PAYME
+NTS/PREPAID_ITEM_
+PAYMENT
+
+PrepaidItemPerDiem
+Amount
+
+17.44
+
+ROF as “$17.44”
+
+PrepaidItemPerDiem
+CalculationMethodTy
+pe
+
+365
+
+RegulationZPointsAn
+dFeesIndicator
+
+true
+
+PrepaidItemActualPa
+ymentAmount
+
+279.04
+
+PrepaidItemPayment
+PaidByType
+
+Buyer
+
+PrepaidItemPayment
+TimingType
+
+AtClosing
+
+Not shown –Required
+for per diem
+calculations
+
+Not Shown –
+ATR/QM
+
+ROF as $279.04
+
+ROF as “Borrower-
+Paid”
+
+8.7.2 At Closing
+
+8.8.1 N/A – GSE
+
+8.8 N/A –XML
+
+8.8.1 Property Taxes (# mo.
+
+to ___)
+
+8.8 Property Taxes
+
+8.8.1 Property Taxes (# mo.
+
+to ____)
+
+8.8.5 Seller-Paid Before
+
+Closing Property
+Taxes
+
+8.8.5 Seller-Paid
+
+8.8.5 Before Closing
diff --git a/chunks/txt/c4cbebbe0a1f51124728b327a0063f68f4690c4c537f975c101384a3f6dae8f7.txt b/chunks/txt/c4cbebbe0a1f51124728b327a0063f68f4690c4c537f975c101384a3f6dae8f7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..96b8f8e51094760beafcf8e02bd49acb78f70af1
--- /dev/null
+++ b/chunks/txt/c4cbebbe0a1f51124728b327a0063f68f4690c4c537f975c101384a3f6dae8f7.txt
@@ -0,0 +1,10 @@
+Updated Product Mapping Guide
+
+Integration Impact Memo
+
+Fannie Mae is no longer purchasing LIBOR based ARMS. For an updated product mapping guide for Pricing and Execution
+Whole Loan, please email pewl_integration@fanniemae.com.
+
+Jan 5, 2021
+
+Fannie Mae Confidential and Proprietary © 2020 Fannie Mae 12.30.20 Page 1 of 1
diff --git a/chunks/txt/c4dc58c72c966c1ce657ed727c68e468e4588bd26913ce8301ec1148993aa201.txt b/chunks/txt/c4dc58c72c966c1ce657ed727c68e468e4588bd26913ce8301ec1148993aa201.txt
new file mode 100644
index 0000000000000000000000000000000000000000..caccafb317ad33c7e8e7d4076de52b0d8fd5eaca
--- /dev/null
+++ b/chunks/txt/c4dc58c72c966c1ce657ed727c68e468e4588bd26913ce8301ec1148993aa201.txt
@@ -0,0 +1,7 @@
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 18
+
+Sales Comparison Approach – Arcrole Relationships ............................................................................................................................................................... 296
+
+23 Rental Information .......................................................................................................................................................................................................................... 298
diff --git a/chunks/txt/c4dec41f987519b0c420d3237d7dc043c988692044a097041d14d59b4ff38fe6.txt b/chunks/txt/c4dec41f987519b0c420d3237d7dc043c988692044a097041d14d59b4ff38fe6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f0616fcd126f4c7a3af849492e6fe8b667ff2b33
--- /dev/null
+++ b/chunks/txt/c4dec41f987519b0c420d3237d7dc043c988692044a097041d14d59b4ff38fe6.txt
@@ -0,0 +1,8 @@
+---
+source_url: "https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-closing-dataset/faqs-uniform-closing-dataset"
+date_accessed: "2026-01-27T18:02:17.451Z"
+---
+
+[Skip to main content](#main-content)
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav
diff --git a/chunks/txt/c4e0deb0bf5ddb22b57d42e39eabaa9ba02209de199c74856911d462beac8001.txt b/chunks/txt/c4e0deb0bf5ddb22b57d42e39eabaa9ba02209de199c74856911d462beac8001.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b0acd3d4e5bd06c90f2eb462ca1f5fc7ccff486a
--- /dev/null
+++ b/chunks/txt/c4e0deb0bf5ddb22b57d42e39eabaa9ba02209de199c74856911d462beac8001.txt
@@ -0,0 +1,30 @@
+[Letter to Freddie Mac](/sites/default/files/2023-04/Affordable-Housing-Funds_FRE-Directive.pdf) (4/3/2019)​
+
+[​](/sites/default/files/2023-02/2-7-18_ltr_fannie_mae_re_housing_trust_fund.pdf)[Letter to Fannie Mae](/sites/default/files/2023-02/2-7-18_ltr_Fannie_Mae_re_Housing_Trust_Fund_0.pdf) (2/7/2018)
+
+[Letter to Freddie Mac](/sites/default/files/2023-02/2-7-18_ltr_freddie_mac_re_housing_trust_fund.pdf) (2/7/2018)
+
+[Housing Trust Fund Interim Final Rule](/regulation/federal-register/interim-final-rule/housing-trust-fund) (12/16/2014)
+
+[FHFA Statement on the Housing Trust Fund and Capital Magnet Fund](/fhfa-statement-housing-trust-fund-and-capital-magnet-fund) (12/11/2014)
+
+[Letter to Fannie Mae](/sites/default/files/2023-04/FNM_HTFCMF12112014.pdf) (12/11/2014)
+
+[Letter to Freddie Mac](/sites/default/files/2023-04/FRE_HTFCMF12112014.pdf) (12/11/2014)
+
+[Letter to Fannie Mae](/sites/default/files/2023-02/11-13-08_ltr_fannie_mae_re_affordable_housing_allocations.pdf) (11/13/2008)
+
+[Letter to Freddie Mac](/sites/default/files/2023-02/11-13-08_ltr_freddie_mac_re_affordable_housing_allocations.pdf) (11/13/2008)
+
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/c4f49266b82b07fb7b6f4c7a780237e18be9e352a8b1bf5d7f1ee219a3f695b8.txt b/chunks/txt/c4f49266b82b07fb7b6f4c7a780237e18be9e352a8b1bf5d7f1ee219a3f695b8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6b985ac2a9f80200ac64e9f8fedb414e6e16afa6
--- /dev/null
+++ b/chunks/txt/c4f49266b82b07fb7b6f4c7a780237e18be9e352a8b1bf5d7f1ee219a3f695b8.txt
@@ -0,0 +1,96 @@
+This field should be indicated if the value of
+field 1-169 (Amenity Count) is greater than
+
+167
+
+IMPROVEMENTS
+
+168
+
+IMPROVEMENTS
+
+Cooling
+Other Description
+
+Amenities
+Fireplace
+
+Cooling Unit
+Description
+
+A free-form text field describing the
+primary cooling unit.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/COOLING/@_U
+nitDescription
+
+10
+
+String
+
+Amenity Exists
+Indicator
+
+Indicates that the amenity specified by
+Amenity Type is present in the structure.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T
+ype='Fireplace']/@_ExistsIndicator
+
+Boolean
+
+UAD Instruction - Refer to Appendix D Improvements Section
+This field should indicate the cooling method used, if ‘Other’ is indicated. If no
+cooling, 'None' should be indicated.
+A value of 'Y' indicates fireplace(s) exist, a value of 'N' indicates the box is not
+checked.
+UAD Instruction - Refer to Appendix D Improvements Section
+
+169
+
+IMPROVEMENTS
+
+Amenities
+Fireplace(s) #
+
+Amenity Count
+
+The number of the amenities specified by
+Amenity Type that are present in the
+property. For example two fireplaces.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T
+ype='Fireplace']/@_Count
+
+170
+
+IMPROVEMENTS
+
+Amenities
+Woodstove
+
+Amenity Exists
+Indicator
+
+Indicates that the amenity specified by
+Amenity Type is present in the structure.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T
+ype='WoodStove']/@_ExistsIndicator
+
+171
+
+IMPROVEMENTS
+
+Amenities
+Woodstove(s) #
+
+Amenity Detailed
+Description
+
+A free-form text field used to describe, in
+detail, the amenity specified by Amenity
+Type.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T
+ype='WoodStove']/@_Count
diff --git a/chunks/txt/c4f57ed67f7f447f267ec938caca7f030fdc608a714cc0689efafb02393d04e2.txt b/chunks/txt/c4f57ed67f7f447f267ec938caca7f030fdc608a714cc0689efafb02393d04e2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..607305cd4c70ad3bab036d19f773d46e4087300a
--- /dev/null
+++ b/chunks/txt/c4f57ed67f7f447f267ec938caca7f030fdc608a714cc0689efafb02393d04e2.txt
@@ -0,0 +1,54 @@
+If field 1-93 (Site Zoning Compliance Type
+= 'Nonconforming') is indicated, then one
+and only one of fields 1-94 and 1-95 (values
+of Site Zoning Permit Rebuild To Current
+Density Indicator) should be indicated.
+
+One and only one of fields 1-92, 1-93, 1-96,
+1-97 (values of Site Zoning Compliance
+Type) should be indicated.
+One and only one of fields 1-92, 1-93, 1-96,
+1-97 (values of Site Zoning Compliance
+Type) should be indicated.
+
+This field should be populated if field 1-97
+(Site Zoning Compliance Type = 'Illegal') is
+indicated.
+
+One and only one of fields 1-99, 1-100
+(values of Highest and Best Use Indicator)
+should be indicated.
+
+One and only one of fields 1-99, 1-100
+(values of Highest and Best Use Indicator)
+should be indicated.
+
+This field should be populated if field 1-100
+(Highest and Best indicator = 'N') is
+indicated.
+
+If utilities are present, at least one of fields 1-
+102, 1-103 (Site Utility Public Indicator =
+'Y' or Site Utility Non Public Indicator = 'Y')
+must be indicated. If no utilities are present
+'None' must be populated in field 1-104 (Site
+Utility Non Public Description).
+
+If utilities are present, at least one of fields 1-
+102, 1-103 (Site Utility Public Indicator =
+'Y' or Site Utility Non Public Indicator = 'Y')
+must be indicated. If no utilities are present
+'None' must be populated in field 1-104 (Site
+Utility Non Public Description).
+
+If field 1-103 (Site Utility Non Public
+Indicator) is indicated, this field is required.
+If no utilities are present 'None' must be
+populated.
+
+If utilities are present, at least one of fields 1-
+105, 1-106 (Site Utility Public Indicator =
+'Y' or Site Utility Non Public Indicator = 'Y')
+must be indicated. If no utilities are present
+'None' must be populated in field 1-107 (Site
+Utility Non Public Description).
diff --git a/chunks/txt/c4f60b571d745511630c2aef23ed28da57ba488a64871adc47404993297a0814.txt b/chunks/txt/c4f60b571d745511630c2aef23ed28da57ba488a64871adc47404993297a0814.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e14d9e1766dc5ef1ffc46fc1f22093b33f82de89
--- /dev/null
+++ b/chunks/txt/c4f60b571d745511630c2aef23ed28da57ba488a64871adc47404993297a0814.txt
@@ -0,0 +1,162 @@
+Water
+Sanitary Sewer
+
+107
+106
+109
+ 110
+
+Public Other (describe)
+
+FEMA Map Date 121
+
+FEMA Map # 120
+
+112
+115
+
+105
+108
+
+122
+
+116
+
+118
+
+125
+
+117
+
+123
+
+126
+
+113
+
+Source(s) Used for Physical Characteristics of Property Appraisal Files MLS Assessment and Tax Records Prior Inspection Property Owner
+ Other (describe) 134
+133
+
+Data Source(s) for Gross Living Area 135
+
+130
+
+129
+
+131
+
+132
+
+128
+
+General Description
+
+General Description
+
+Heating / Cooling
+
+Amenities
+
+Car Storage
+
+136
+
+137
+
+159
+
+141
+
+144
+
+139
+
+149
+
+151
+153
+
+Units One One with Accessory Unit Concrete Slab Crawl Space
+148
+ Full Basement Finished
+# of Stories 138
+150
+Type Det. Att. S-Det./End Unit Partial Basement Finished
+152
+140
+ Existing Proposed Under Const. Exterior Walls 154
+142
+143
+Design (Style)
+Roof Surface 155
+Gutters & Downspouts 156
+Year Built 146; e-8
+Window Type 157
+Effective Age (Yrs) 147
+Appliances Refrigerator Range/Oven Dishwasher Disposal Microwave Washer/Dryer Other (describe) 200
+196
+Finished area above grade contains: 201
+Additional features (special energy efficient items, etc.) 205
+
+Fireplace(s) # 169 None
+ FWA HWBB
+182
+168
+158
+160
+ Woodstove(s) # 171 Driveway # of Cars 184
+ Radiant
+170
+183
+Driveway Surface 185
+ Patio/Deck 173
+ Other 162
+172
+161
+ Garage # of Cars 187
+Fuel 163
+ Porch 175
+186
+174
+164
+176
+ Central Air Conditioning Pool 177
+ Carport # of Cars 189
+188
+ Fence 179
+ Individual
+ Attached Detached
+178
+165
+190
+192
+ Built-in
+ Other 181
+ Other 167
+180
+166
+
+Square Feet of Gross Living Area Above Grade
+
+Bedrooms 203 Bath(s) 204
+
+Rooms 202
+
+145
+
+191
+
+195
+
+194
+
+198
+
+193
+
+197
+
+199
+
+Describe the condition of the property and data source(s) (including apparent needed repairs, deterioration, renovations, remodeling, etc.). e-9; 206
diff --git a/chunks/txt/c4ff97e871691bffb098ffc3fc478866749272ce2c362bcb57088b44fc801256.txt b/chunks/txt/c4ff97e871691bffb098ffc3fc478866749272ce2c362bcb57088b44fc801256.txt
new file mode 100644
index 0000000000000000000000000000000000000000..40682d9693ddb5a350247ec10ab68b08ae3fc9e6
--- /dev/null
+++ b/chunks/txt/c4ff97e871691bffb098ffc3fc478866749272ce2c362bcb57088b44fc801256.txt
@@ -0,0 +1,9 @@
+Appendix E: UCD Implementation Guide
+
+Page 4 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+Table of Contents
diff --git a/chunks/txt/c503ea9ef6e911d531b8886fd864eca5fddc03b2921654117d084ec76c67b6f8.txt b/chunks/txt/c503ea9ef6e911d531b8886fd864eca5fddc03b2921654117d084ec76c67b6f8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..af1dc4bf3139220402e82c78b798283c1356bc9c
--- /dev/null
+++ b/chunks/txt/c503ea9ef6e911d531b8886fd864eca5fddc03b2921654117d084ec76c67b6f8.txt
@@ -0,0 +1,57 @@
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 85 of 166
+
+UAD 3.6 Policy
+
+Type of Outbuilding
+
+Acceptability
+
+Minimal outbuildings, such as small barns or stables, that
+are of relatively insignificant value in relation to the total
+appraised value of the subject property.
+
+The appraiser must demonstrate through the use of
+comparable sales with similar amenities that the
+improvements are typical of other residential properties in
+the subject’s market area for which an active, viable
+residential market exists.
+
+An atypical minimal outbuilding.
+
+The property is acceptable provided the appraiser’s
+analysis reflects little or no contributory value for it.
+
+Significant outbuildings, such as silos, large barns, storage
+areas, or facilities for farm-type animals.
+
+The presence of the outbuildings may indicate that the
+property is agricultural in nature. The lender must
+determine whether the property is residential in nature,
+regardless of whether the appraiser assigns value to the
+outbuildings.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 86 of 166
+
+UAD 3.6 Policy
+
+SB4-1.3-06, Dwelling Condition and Quality of Construction (06/04/2025)
+
+Introduction
+
+This topic contains information on dwelling condition and quality of construction, including:
+
+• Appraiser Selection of Condition, Quality, and other Characteristic Ratings
+• Property Condition
+• Dwelling Condition Ratings
+•
+• Definitions of Not Updated, Partially Updated, Moderately Updated, Significantly Updated, and Fully Updated Kitchen
+
+Identifying Dwelling Condition
+
+and Bathroom(s)
+
+Infestation, Dampness, or Settlement
diff --git a/chunks/txt/c510408de99c98947349bda2f34106cff72a62a8bc430095703b53b5271d7fc2.txt b/chunks/txt/c510408de99c98947349bda2f34106cff72a62a8bc430095703b53b5271d7fc2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f12d9d23ac1277e9e4f2ea41fad5a4f3abff69f8
--- /dev/null
+++ b/chunks/txt/c510408de99c98947349bda2f34106cff72a62a8bc430095703b53b5271d7fc2.txt
@@ -0,0 +1,54 @@
+© 2022 Fannie Mae
+
+October 2022 Page 2
+of 4
+
+May 23
+
+UCD Critical Edits -
+
+Phase 2
+
+Implementation
+
+To further refine UCD Phase 2 data quality, the following new edit will be added as warning-to-fatal severity in relation to
+Seller Credits:
+
+Edit 3425: When Loan Purpose Type is equal to Purchase, the Closing Adjustment Item Type of SellerCredit in the Closing
+Adjustment Item Detail container is required.
+
+Additionally, the following existing UCD Phase 2 fatal severity edit messages will be updated to provide additional
+information/clarity:
+
+Edit 3416: The Closing Adjustment Item Section Type of PaidAlreadyByOrOnBehalfOfBorrowerAtClosing is required as part
+of Seller Credit data (even if a 0 value) for all Purchase loans.
+
+Edit 3417: The Closing Adjustment Item Type of SellerCredit is required as part of Seller Credit data (even if a 0 value) for all
+Purchase loans.
+
+Edit 3421: When the Closing Adjustment Item Type is Gift, Grant, or Rebate Credit the FullName of the Individual or Legal
+Entity who paid it is required.
+
+Edit 3422: The IntegratedDisclosureSectionType of PaidAlreadyByOrOnBehalfOfBorrowerAtClosing is required as part of
+Deposit on Sales Contract data (even if a 0 value) for all Purchase loans.
+
+Effective
+Date
+
+Impacted Area
+
+April 21
+
+UCD Critical Edits -
+
+Phase 1
+
+Implementation
+
+Description
+
+To further refine UCD Phase 1 data quality, the following edits will be updated, effective April 21, 2022. The edit feedback
+messages will be updated to the following:
+
+Fatal edit 3123: If Regulation Z Excluded Bona Fide Discount Points indicator is true, then Loan Price Quote Interest Rate
+Percent is required and must be greater than 0. Data must be numeric up to 3 digits, with up to 4 decimal places.
diff --git a/chunks/txt/c529fc8eaedec045813e258338cf4f003839d7ec1b9571cb29dbd1b05d929311.txt b/chunks/txt/c529fc8eaedec045813e258338cf4f003839d7ec1b9571cb29dbd1b05d929311.txt
new file mode 100644
index 0000000000000000000000000000000000000000..47275cd5b65250b96f2fe38f31896e9157beb817
--- /dev/null
+++ b/chunks/txt/c529fc8eaedec045813e258338cf4f003839d7ec1b9571cb29dbd1b05d929311.txt
@@ -0,0 +1,62 @@
+Page 349 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Appendix 2: Condition and Quality Rating Definitions
+
+Quality Rating Definitions
+In each category, the property must meet the majority of the criteria listed but does not have to meet all criteria.
+
+Rating
+
+Overall Quality Rating
+
+Interior Quality Rating
+
+Exterior Quality Rating
+
+The dwelling represents housing that
+can be reproduced from standard plans,
+featuring a higher than standard degree
+of complexity and some customization
+in the structural design, amenities, and
+finishes. A Q3 dwelling can contain a
+mixture of premium and standard level
+materials or amenities. They are often
+characterized as "semi-custom" new
+construction, or as pre-existing
+dwellings that are upgraded using some
+premium materials or amenities.
+
+The dwelling is constructed using
+standard building plans and designs that
+can be reproduced multiple times with
+minimal customization or style
+variations. The materials and amenities
+are widely available and can contain a
+mixture of some standard and
+economy-level materials.
+
+The dwelling is basic in design and
+meets minimum building standards.
+Dwellings rated Q5 are designed for
+efficiency in installation and
+construction representing basic housing.
+Q5 dwellings have minimal refinements
+or upgrades but are not considered
+substandard.
+
+The dwelling is a structure constructed
+in a manner reflecting a lack of basic
+architectural designs and may not meet
+local building standards. The materials
+and amenities are low quality, alternate,
+or non-customary; or whose
+construction or installation reflects
+unskilled workmanship and may not be
+adequately equipped to support year-
+round occupancy. Q6 dwellings may be
+rare or even non-existent in many
+communities.
diff --git a/chunks/txt/c53ae20d9686df0ef7046bca29a1809cab0d3cda159d2953e967ff8d6e020142.txt b/chunks/txt/c53ae20d9686df0ef7046bca29a1809cab0d3cda159d2953e967ff8d6e020142.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8fc232bab9ac0051432f7b3416616c6b5ad7e0ee
--- /dev/null
+++ b/chunks/txt/c53ae20d9686df0ef7046bca29a1809cab0d3cda159d2953e967ff8d6e020142.txt
@@ -0,0 +1,295 @@
+8
+
+1550000
+
+780000
+
+46
+
+1070000
+
+ActiveListings
+
+2
+
+PendingSales
+
+6
+
+1050000
+
+780000
+
+880000
+
+TotalSales
+
+UnderThreeMonths
+
+InBalance
+
+false
+
+Three Trees
+
+Block H Lot XX of Wheel of Fortune
+
+1765
+
+LandWithDwelling
+
+AssessorUnformattedIdentifier
+
+160403459625-67
+
+Clubhouse
+
+FitnessArea
+
+IngroundPool
+
+RecreationArea
+
+Other
+
+Snow Removal
+
+false
+
+false
+
+168
+
+Composite
+
+Deck
+
+Upstairs Deck
+
+\\Images\SF2_Deck1.png
+
+image/png
+
+408
+
+Composite
+
+Deck
+
+Downstairs Deck
+
+\\Images\SF2_Deck2.png
+
+image/png
+
+OutdoorLiving
+
+1
+
+IndoorFireplace
+
+\\Images\SF2_IndoorFireplace.png
+
+image/png
+
+Elevator
+
+WholeHome
+
+MechanicalSystem
+
+false
+
+The hot water heater did not appear to be operational. No hot water.
+
+Other
+
+Below grade area
+
+Repair
+
+ExteriorWallsAndTrim
+
+false
+
+Possible termite infestation
+
+Other
+
+Lower right corner of rear wall
+
+Inspection
+
+None
+
+0
+
+Attached
+
+1
+
+true
+
+1
+
+false
+
+false
+
+C3
+
+Q3
+
+true
+
+true
+
+FeeSimple
+
+false
+
+true
+
+false
+
+false
+
+false
+
+false
+
+false
+
+TraditionalAppraisal
+
+true
+
+true
+
+false
+
+false
+
+866000
+
+2019-04-10
+
+true
+
+true
+
+TypicallyMotivated
+
+2016-08-16
+
+750000
+
+Sale
+
+TypicallyMotivated
+
+None
+
+true
+
+true
+
+true
+
+true
+
+true
+
+Asphalt
+
+Alley
+
+Asphalt
+
+Local
+
+true
+
+PublicStreet
+
+true
+
+false
+
+false
+
+Topography
+
+Neutral
+
+Flat
+
+Within 1/4 mile of I270
+
+Offsite
+
+BusyRoadway
+
+Adverse
+
+Within 3 blocks of Valleyhoo Park
+
+Offsite
+
+Park
+
+Beneficial
+
+1765
+
+1
+
+Public
+
+Electricity
+
+Public
+
+Gas
+
+Public
+
+SanitarySewer
+
+Public
+
+Water
+
+Neutral
+
+true
+
+Full
+
+Residential
+
+Mixed use residential allowable.
+
+CR Town
+
+Legal
+
+true
+
+6543 Anywhere Pl
+
+Anywhere
+
+20854
+
+MD
+
+BuiltIn
+
+Garage
+
+2
+
+0
+
+ContractDate
diff --git a/chunks/txt/c5401d4b995bb522d1eccc64c58a0bcdf6746bb5b0c8fc3163da7fe44034baf2.txt b/chunks/txt/c5401d4b995bb522d1eccc64c58a0bcdf6746bb5b0c8fc3163da7fe44034baf2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1db6f46314c3c344164b05c3ff90d5c86f200fbb
--- /dev/null
+++ b/chunks/txt/c5401d4b995bb522d1eccc64c58a0bcdf6746bb5b0c8fc3163da7fe44034baf2.txt
@@ -0,0 +1,82 @@
+Estimated Age of Roof
+
+8.033
+
+Estimate of when the roof was last replaced.
+
+Disaster
+Mitigation
+
+Energy Efficient
+and Green
+Features
+
+Dwelling
+Exterior
+
+Noncontinuous Finished Area
+
+8.047-8.048
+
+Core Heating System Below Grade
+
+8.052
+
+Manufactured
+Home
+
+Manufactured Home Certifications
+
+9.018-9.019
+
+Unit Interior
+
+Kitchen and Bathroom Details
+
+10.037-10.042
+
+Ceiling Height(s) / Ceiling Style
+
+10.045
+
+If there is an Accessory Dwelling Unit (ADU) on the
+property, a separate Unit Interior section is required,
+including separate area measurements 10.003-10.010
+and the ADU fields 10.011-10.016.
+
+Gross Building Area
+
+12.006
+
+Outbuilding
+
+Outbuilding Area / Room Summary
+
+12.011-12.013
+
+Above grade finished area that is attached to the dwelling but
+separate and not directly accessible from any unit.
+
+Yes/No (Whether the core mechanical unit that produces heat
+(e.g., furnace) is below grade.)
+
+The financing program certification (Freddie Mac
+CHOICEHome, Fannie Mae MH Advantage) | Identification
+Number | Photo of Certification Label
+
+Required for each kitchen and bathroom in the unit: Update
+Status | Time Frame | Condition Status
+
+Ceiling Height(s) (Less than 7', 7', 8', 9', 10 or more feet, 2 or
+more stories) | Ceiling Style
+
+Legally Rentable - Data Source | Typical for Market |
+Ingress/Egress | Separate Postal Address
+
+Total area of all floor levels in the outbuilding measured from
+the exterior of the walls, excluding unenclosed areas, and
+including the following: Above and below grade area, whether
+finished or unfinished, Vehicle storage area, ADU area
+
+Finished Total Area | Unfinished Total Area | Number of
+Rooms - Room Type
diff --git a/chunks/txt/c54380d1988718daab92d6ce4ace71e89c106f2b6bf6175ca655bf18f21c07f3.txt b/chunks/txt/c54380d1988718daab92d6ce4ace71e89c106f2b6bf6175ca655bf18f21c07f3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5d347be97452b2e550be04e987ddfda11e861392
--- /dev/null
+++ b/chunks/txt/c54380d1988718daab92d6ce4ace71e89c106f2b6bf6175ca655bf18f21c07f3.txt
@@ -0,0 +1,94 @@
+This is where the Living Room photo would display.
+
+This is where the Appliance Defect photo would display.
+
+Apparent Defects, Damages, Deficiencies - Cabinetry -
+Bathroom
+
+Apparent Defects, Damages, Deficiencies - Cabinetry -
+Kitchen
+
+This is where the Bathroom Cabinet Defect photo would display.
+
+This is where the Kitchen Cabinet Defect photo would display.
+
+Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 9 of 29
+
+Unit Interior - Building 1 - Unit 1 (continued)
+
+Apparent Defects, Damages, Deficiencies - Doors - Bathroom
+
+Apparent Defects, Damages, Deficiencies - Walls and
+Ceiling - Bathroom
+
+This is where the Bathroom Door Defect photo would display.
+
+This is where the Bathroom Wall Defect photo would display.
+
+Dwelling Exterior - Building 2
+
+Subject Property Units in
+Structure
+Dwelling Style
+Front Door Elevation
+Year Built
+Construction Method
+Converted Area
+
+1
+Ranch
+Up to 1 foot
+1985
+Site Built
+None
+
+This is where the Dwelling 2 Front photo would display.
+
+Quality and Condition
+
+Exterior Quality Rating
+
+Q5
+
+Exterior Condition Rating
+
+C4
+
+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
+
+Detail
+Engineered Wood
+
+Quality Comment
+T-111 siding
+
+Condition Status
+Typical Wear and Tear
+
+Condition Comment
+Add comment if needed.
+
+Metal | Post and Pier
+
+Add comment if needed.
+
+Typical Wear and Tear
+
+Add comment if needed.
+
+Metal
+Estimated Age:
+20 or more years
diff --git a/chunks/txt/c54fd10c9167bcc617b16e6e67f180343b5e7a0783268ac51bac73021a8526d0.txt b/chunks/txt/c54fd10c9167bcc617b16e6e67f180343b5e7a0783268ac51bac73021a8526d0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..11b0989ff90f90b5be22e1673d15d5fd3029d42b
--- /dev/null
+++ b/chunks/txt/c54fd10c9167bcc617b16e6e67f180343b5e7a0783268ac51bac73021a8526d0.txt
@@ -0,0 +1,28 @@
+Reminder: Edits with a severity of Warning-to-Fatal will not prevent a Successful UCD submission. The loan will still be able
+to be delivered through Loan Delivery. However, the edit will turn Fatal in the future (on the UCD mandate) and at that
+time will result in an Unsuccessful submission status that will prevent the loan from being delivered.
+
+September 29
+
+Removal of Edits
+
+The following edits will be removed as they are no longer required in UCD v2.0 Spec or UCD Phase 4: 3058, 3059, 3142, 3145
+and 3146.
+
+June 30
+
+Removal of Edits
+
+To streamline the new edits that are being created to align with UCD v2.0, we will be removing the following Warning Edits
+that are no longer applicable and/or duplicative: 2031, 3036, 3037, 3069, 3070, 3075, 3077, 3079, 3081, 3084, 3086, 3097,
+3102, 3106, 3111, 3132, 3149, 3150, 3155, 3156, 3164, 3165, 3527, 3528, 3591.
+
+June 30
+
+UCD Test Environment
+
+The UCD Test Environment will be updated with the UCD v2.0 Specification (UCD v2.0) and UCD Critical Edits Phase 3B
+Postponed and Phase 4 requirements. The test environment will return “fatal” edits and feedback messages to help you
+prepare for UCD v2.0 and the edit transitions.
+
+© 2025 Fannie Mae 11.13.25 Page 2 of 2
diff --git a/chunks/txt/c56940892a770d305ea5742266c48a12d928a9c5f348b19fbb8254d56b39bbf0.txt b/chunks/txt/c56940892a770d305ea5742266c48a12d928a9c5f348b19fbb8254d56b39bbf0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a701e2b20f0da3083268abad0bd20daa8dc9e3ee
--- /dev/null
+++ b/chunks/txt/c56940892a770d305ea5742266c48a12d928a9c5f348b19fbb8254d56b39bbf0.txt
@@ -0,0 +1,17 @@
+[Video: Introducing Mortgage Translations](/news/videos/introducing-mortgage-translations)*(10/15/2018)*
+
+[Mortgage Translations: A New Clearinghouse to Support Limited English Proficient (LEP) Borrowers](/sites/default/files/2023-03/mt_flyer_10152018.pdf)*(10/15/2018)*
+
+[Blog: Mortgage Translations Clearinghouse Aims to Assist Homebuyers in Their Language​](/blog/insights/mortgage-translations-clearinghouse-aims-to-assist-homebuyers-in-their-language)*(10/4/2018)*
+
+*[Language Access Multi-Year Plan](/sites/default/files/2023-03/lep-multi-year-plan.pdf) (5/10/2018)*
+
+[News Release: Preferred Language Question to be Added to the Redesigned Uniform Residential Loan Application](/news/news-release/preferred-language-question-to-be-added-to-the-redesigned-uniform-residential-loan-application)*(10/20/2017)*
+
+[Comunicado de Prensa: Pregunta sobre el lenguaje de preferencia será añadida a la solicitud rediseñada del Préstamo Hipotecario Residencial Uniforme](/news/news-release/pregunta-sobre-el-lenguaje-de-preferencia-sera-anadida-a-la-solicitud-redisenada-del-prestamo)*(10/20/2017)*
+
+[Preferred Language Question for the Uniform Residential Loan Application](/sites/default/files/2023-03/preferred_language_question.pdf)**(*10/20/2017)*
+
+[*Preferred Language Consumer Testing Briefing*(September 2017 Testing) - Conducted by Kleimann Communication Group](/sites/default/files/documents/URLA-Presentation-Preferred-Language-Testing-CA-NY_October-2017.pdf) (*10/20/2017)*
+
+[FHFA Reopens and Extends Deadline to September 1 on RFI to Improve Access to Credit for Qualified Mortgage Borrowers with Limited English Proficiency](/news/news-release/fhfa-reopens-and-extends-deadline-to-september-1-on-rfi-to-improve-access-to-credit-for-qualified) *(8/4/2017)*
diff --git a/chunks/txt/c57028d4d4ac59408caf24fc61579ed9cd1114e52cb61aa81ffd272c3b790fde.txt b/chunks/txt/c57028d4d4ac59408caf24fc61579ed9cd1114e52cb61aa81ffd272c3b790fde.txt
new file mode 100644
index 0000000000000000000000000000000000000000..90ff45f2c2850c743fcfea7dc8d4e939f51c4ed1
--- /dev/null
+++ b/chunks/txt/c57028d4d4ac59408caf24fc61579ed9cd1114e52cb61aa81ffd272c3b790fde.txt
@@ -0,0 +1,39 @@
+[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
+
+# FHLBank Targeted Mission Activities
+
+## Breadcrumb
+
+- [Home](/)
+ - [Reports](/reports)
+ - FHLBank Targeted Mission Activities
+
+This report discusses the FHLBanks’ targeted mission activities to support low-income housing and community development. The FHLBanks support a range of these activities through various programs: the statutorily mandated Affordable Housing Program (AHP), the statutorily mandated Community Investment Program (CIP), the voluntary Community Investment Cash Advance Program (CICA), and additional FHLBank voluntary programs. Under these programs, the FHLBanks provide loans (referred to as advances) and grants to their members or housing associates, as applicable, which use these funds to assist very low- and low- or moderate-income households and communities. Additionally, all FHLBanks support low-income housing and community development through voluntary programs that the FHLBanks offer at their discretion. Each year, the FHLBanks adopt Targeted Community Lending Plans (TCLPs), in which they identify and assess significant affordable housing needs in their districts to be addressed through their AHPs and describe how they will address identified credit needs and market opportunities in their districts for targeted community lending.
diff --git a/chunks/txt/c578d4eb13e82bbece8fd5e8f9c2f526db6fda7e1191113f33268a5a0941b153.txt b/chunks/txt/c578d4eb13e82bbece8fd5e8f9c2f526db6fda7e1191113f33268a5a0941b153.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cd8d2b2fdc72eb4b74604e4dd35f3ba0e43446d9
--- /dev/null
+++ b/chunks/txt/c578d4eb13e82bbece8fd5e8f9c2f526db6fda7e1191113f33268a5a0941b153.txt
@@ -0,0 +1,185 @@
+Rental Information (continued)
+
+Comparable Rental Properties
+
+This is where the
+Dwelling Front photo
+would display.
+
+This is where the
+Rental Comparable 1
+photo would display.
+
+This is where the
+Rental Comparable 2
+photo would display.
+
+This is where the
+Rental Comparable 3
+photo would display.
+
+This is where the
+Rental Comparable 4
+photo would display.
+
+Subject Property
+8675309 Jenny Ln
+Anytown, IL 54321
+
+Comparable #1
+1522 Akyawentuo Ave
+Anytown, IL 54321
+
+Comparable #2
+2345467 Golden Tail St
+Anytown, IL 54321
+
+Comparable #3
+234912 Whitecrest Dr
+Anytown, IL 54321
+
+Comparable #4
+123423 Stoneback Dr
+Anytown, IL 54321
+
+Data Source:
+MLS 32495234
+
+Data Source:
+MLS 23458202
+
+Data Source:
+MLS 25394502
+
+Data Source:
+MLS 12458450
+
+Lease Start Date:
+03/2018
+
+Lease Start Date:
+01/2018
+
+Lease Start Date:
+12/2017
+
+Lease Start Date:
+11/2017
+
+Actual Rent:
+$3,500
+
+Actual Rent:
+$3,600
+
+Actual Rent:
+$3,350
+
+Actual Rent:
+$3,200
+
+Comparable Rental Analysis
+
+Proximity to Subject
+
+Subject
+
+#1
+0.25 Miles NE
+
+#2
+
+#3
+
+#4
+
+0.2 Miles W
+
+1.5 Miles E
+
+1.7 Miles E
+
+Comparables
+
+Project Name
+
+Grammy Gold Grammy Gold Grammy Gold
+
+Similar
+
+Similar
+
+Platinum
+Records
+
+Inferior
+
+Platinum
+Records
+
+Inferior
+
+Clubhouse
+| Club
+Membership
+| Gated
+Community
+| Inground
+Pool | Snow
+Removal
+| Trash
+Removal
+
+Golf Course |
+Residential
+
+Project Common
+Amenities/Services
+
+View from Unit
+
+Site Size
+
+Interior Condition
+
+Bedrooms
+
+Baths - Full | Half
+
+Finished Area
+
+Similar
+
+Similar
+
+Inferior
+
+Inferior
+
+13,939 Sq. Ft.
+
+13,400 Sq. Ft.
+
+14,230 Sq. Ft.
+
+13,800 Sq. Ft.
+
+12,989 Sq. Ft.
+
+C1
+
+3
+
+2 | 1
+
+C2
+
+3
+
+2 | 1
+
+C2
+
+4
+
+3 | 0
diff --git a/chunks/txt/c57dccd9db84bbe9a5aaa3b1e13e07cfa762e3ff912ddf089c439a4627996307.txt b/chunks/txt/c57dccd9db84bbe9a5aaa3b1e13e07cfa762e3ff912ddf089c439a4627996307.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a88881e79cd40126cdbec399437e5ed64c694893
--- /dev/null
+++ b/chunks/txt/c57dccd9db84bbe9a5aaa3b1e13e07cfa762e3ff912ddf089c439a4627996307.txt
@@ -0,0 +1,80 @@
+Unique ID
+
+Parent Container
+
+MISMO Attribute Name
+
+Supported Attribute Enumerations
+
+3900.0091
+
+RELATIONSHIP
+
+@xlink:arcrole
+
+urn:fdc:mismo.org:2009:residential/DEFECT ContainsDefectOf CAR_STORAGE
+
+3900.0092
+
+RELATIONSHIP
+
+@xlink:from
+
+DEFECT_n
+
+3900.0093
+
+RELATIONSHIP
+
+3200.0003
+
+CAR_STORAGE
+
+@xlink:to
+
+@xlink:to
+
+CAR_STORAGE_n
+
+CAR_STORAGE_n
+
+3900.0179
+
+DEFECT
+
+@xlink:label
+
+DEFECT_n
+
+<RELATIONSHIP xlink:arcrole = "DEFECT ContainsDefectOf CAR_STORAGE" xlink:from = "DEFECT_1" xlink:to = "CAR_STORAGE_1">
+</RELATIONSHIP>
+
+Refer to the section Arcrole/Data Relationships in the MISMO XML Version 3.6 chapter for additional information.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+14 Subject Property Amenities
+
+Page 220
+
+The Subject Property Amenities section provides information about the amenities on the property, whether on the site or inside dwelling(s)
+or outbuilding(s). This section provides space for additional commentary, exhibits, and any apparent defects, damages, or deficiencies.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 221
+
+The Subject Property Amenities section always displays in the report.
+
+-
+-
+
+If PropertyAmenityExistsIndicator (UID: 0200.0015, FID: 14.000) = “false”, “None” displays for the section.
+If PropertyAmenityExistsIndicator (UID: 0200.0015, FID: 14.000) = “true”, at least one Amenity Category (AmenityCategoryType) is
+required. (Figure 14 - 1)
+
+• Outdoor Accessories – (AmenityCategoryType (UID: 0200.0016, FID: 14.001)
+• Outdoor Living – (AmenityCategoryType (UID: 0200.0017, FID: 14.001)
+• Water Features – (AmenityCategoryType (UID: 0200.0027, FID: 14.001)
+• Whole Home – (AmenityCategoryType (UID: 0200.0034, FID: 14.001)
+• Miscellaneous – (AmenityCategoryType (UID: 0200.0041, FID: 14.001)
diff --git a/chunks/txt/c57e0e4da1987c55c394d602df6924f034753f369ae14401f1af9174716028e9.txt b/chunks/txt/c57e0e4da1987c55c394d602df6924f034753f369ae14401f1af9174716028e9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e65bf7fb30c243b0c91929aa7180be11e8e391bc
--- /dev/null
+++ b/chunks/txt/c57e0e4da1987c55c394d602df6924f034753f369ae14401f1af9174716028e9.txt
@@ -0,0 +1,22 @@
+- Borrower requests MI termination based on the Original or Current Value of the property (with or without substantial improvements).
+ - SMDU automatically provides data required for an evaluation.
+ - SMDU applies a no-cost AVM to evaluate for Original Value. For Current Value or when an AVM can’t be used, servicer orders a BPO/appraisal.
+ - When SMDU has the property value, it evaluates the loan and supplies a real-time decision.
+ - Servicer retrieves invoice for completed valuation from Fannie Mae invoicing (when applicable).
+ **Help & Training**
+ [Borrower-Initiated Request for MI Termination Servicer User Guide](/applications-technology/servicing-management-default-underwriter-smdu/borrower-initiated-request-mi-termination-user-guide)
+ [Borrower-Initiated MI Termination Requests Using SMDU FAQs](/media/document/pdf/borrower-initiated-mi-termination-requests-using-smdu-faqs)
+
+[]()Use your SMDU UI credentials to access the release notes.
+
+**Loss Mitigation/Loss Mitigation Valuations**
+
+- [SMDU Release V. 2025.10 | October 10, 2025](/media/document/pdf/smdu-release-v-202510-october-17-2025)
+- [SMDU Release V. 2025.9 | September 18, 2025](/media/document/pdf/smdu-release-v-20259-september-18-2025)
+- [SMDU Release V. 2025.8 | August 22, 2025](/media/document/pdf/smdu-release-v-20258-august-22-2025)
+- [SMDU Release V. 2025.7 | July 18, 2025](/media/document/pdf/smdu-release-v-20257-july-18-2025)
+- [SMDU Release V. 2025.6 | June 20, 2025](/media/document/pdf/smdu-release-v-20256-june-20-2025)
+- [SMDU Release V. 2025.5 | May 16, 2025](/media/document/pdf/smdu-release-v-20255-may-16-2025)
+- [SMDU Release V. 2025.4 | April 18, 2025](/media/document/pdf/smdu-release-v-20254-april-18-2025)
+- [SMDU Release V. 2025.3 | March 21, 2025](/media/document/pdf/smdu-release-v-20253-march-21-2025)
+[View All](https://singlefamily.fanniemae.com/search#q=SMDU%20release%20notes&sort=date%20descending&f:@tags=[single%20family,smdu]&f:@fmcontenttype=[ReleaseNotes])
diff --git a/chunks/txt/c57f0fe03335138895afcac538dac5474f8569a5421356a94ff4b81efad821d3.txt b/chunks/txt/c57f0fe03335138895afcac538dac5474f8569a5421356a94ff4b81efad821d3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..11f2cc9b1fda7d091b4bcaea9c494aeda2d068b4
--- /dev/null
+++ b/chunks/txt/c57f0fe03335138895afcac538dac5474f8569a5421356a94ff4b81efad821d3.txt
@@ -0,0 +1,293 @@
+19
+
+quality Frequency Percent
+
+condition Frequency Percent
+
+gross_living_area Frequency Percent
+
+UAD PUF Version 2.1 Data Dictionary
+
+1
+
+2
+
+3
+
+4
+
+5
+
+9
+
+1711
+
+0.12
+
+34558
+
+2.33
+
+572901
+
+38.66
+
+857460
+
+57.86
+
+15206
+
+1.03
+
+32
+
+0.00
+
+1
+
+2
+
+3
+
+4
+
+5
+
+9
+
+148718
+
+10.04
+
+130287
+
+8.79
+
+902566
+
+60.91
+
+299517
+
+20.21
+
+756
+
+0.05
+
+24
+
+0.00
+
+1
+
+2
+
+3
+
+4
+
+5
+
+6
+
+7
+
+8
+
+9
+
+153608
+
+10.37
+
+167775
+
+11.32
+
+201926
+
+13.63
+
+196365
+
+13.25
+
+170312
+
+11.49
+
+140674
+
+9.49
+
+198665
+
+13.41
+
+252453
+
+17.04
+
+90
+
+0.01
+
+dts_rural Frequency Percent
+
+1
+
+2
+
+9
+
+265299
+
+17.90
+
+1195247
+
+80.66
+
+21322
+
+1.44
+
+bedrooms Frequency Percent
+
+1
+
+2
+
+3
+
+9
+
+147085
+
+9.93
+
+707104
+
+47.72
+
+627663
+
+42.36
+
+16
+
+0.00
+
+updated_last_15_years Frequency Percent
+
+1
+
+2
+
+9
+
+797556
+
+53.82
+
+684008
+
+46.16
+
+304
+
+0.02
+
+bathrooms Frequency Percent
+
+1
+
+2
+
+3
+
+4
+
+9
+
+131941
+
+8.90
+
+596407
+
+40.25
+
+533497
+
+36.00
+
+220002
+
+14.85
+
+21
+
+0.00
+
+Federal Housing Finance Agency
+
+20
+
+Frequency Distribution and Summary Statistics for FHA UAD PUF
+
+UAD PUF Version 2.1 Data Dictionary
+
+N
+
+Mean
+
+Median
+
+Min
+
+Max
+
+P1
+
+P5
+
+P10
+
+P25
+
+P50
+
+P75
+
+P90
+
+P95
+
+P99
+
+contract_price
+
+209,649 243,068 225,000
+
+5,000 1,555,000 65,000 95,000 115,000 165,000 225,000 305,000 385,000 455,000 625,000
+
+appraised_value
+
+259,265 254,919 235,000
+
+5,000 1,705,000 65,000 105,000 125,000 165,000 235,000 315,000 415,000 485,000 665,000
+
+sales_range_high
+
+234,744 316,551 275,000
+
+5,000 1,705,000 85,000 125,000 145,000 195,000 275,000 385,000 525,000 655,000 835,000
+
+sales_range_low
+
+234,312 222,895 205,000
+
+5,000 1,705,000 35,000 75,000 95,000 145,000 205,000 285,000 375,000 445,000 615,000
diff --git a/chunks/txt/c58ae1015a77dd739075fe7c14be8c00bb9bd3a9f6f8f9140a1b09f6aa1e4f50.txt b/chunks/txt/c58ae1015a77dd739075fe7c14be8c00bb9bd3a9f6f8f9140a1b09f6aa1e4f50.txt
new file mode 100644
index 0000000000000000000000000000000000000000..52766f5879b5362be7ff57700f6b704b180e3280
--- /dev/null
+++ b/chunks/txt/c58ae1015a77dd739075fe7c14be8c00bb9bd3a9f6f8f9140a1b09f6aa1e4f50.txt
@@ -0,0 +1,35 @@
+5.1.4
+
+5.3.4
+
+5.4.4
+
+5.5.7
+5.5.8
+
+a. Principal & Interest
+
+The first row of the “Projected Payments” table shows whether and how the regularly scheduled P&I payment amount
+changes over the life of the loan. The payment structure for the loan dictates the payment amount range(s). The initial
+periodic payment or payment amount range appears in the first PROJECTED_PAYMENT container (SequenceNumber = “1”).
+SequenceNumber specifies the order of the columns, starting with “1” for the first column on the left and incrementing to
+“4” if necessary to capture all the required business data. The number of PROJECTED_PAYMENT containers used will equal
+the number of columns used in the table.
+
+The data point ProjectedPaymentPrincipalAndInterestMaximumPaymentAmount is always required and is the only
+payment data point needed unless there is a range (the first period in the example in Figure 51). In the case of a payment
+amount range as illustrated in the second column, ProjectedPaymentPrincipalAndInterestMinimumPaymentAmount must
+also be provided.
+
+b. Mortgage Insurance Amounts
+
+The second row of the “Projected Payments” table is the maximum amount the borrower could pay for mortgage
+
+insurance premiums for the PROJECTED_PAYMENT period as provided in ProjectedPaymentMIPaymentAmount.
+
+The value of data point LOAN_DETAIL/MIRequiredIndicator (see Chapter R. Loan Feature Data) is used to indicate whether
+the value of ProjectedPaymentMIPaymentAmount should be greater than or equal to “0”. If the loan never had mortgage
+instance of
+insurance and MIRequiredIndicator = “false”, ProjectedPaymentMIPaymentAmount = “0”
+PROJECTED_PAYMENT. Otherwise, the amount of the payment that is applied toward mortgage insurance during the
+projected payment period must be provided in at least the first instance of PROEJCTED_PAYMENT.
diff --git a/chunks/txt/c58f239e48409150ab60f2020cb6ac0b00b62e56efbb4f171419866cf1242d38.txt b/chunks/txt/c58f239e48409150ab60f2020cb6ac0b00b62e56efbb4f171419866cf1242d38.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0c05664e079c2951f04f4cfde90a7bdc9faeaa91
--- /dev/null
+++ b/chunks/txt/c58f239e48409150ab60f2020cb6ac0b00b62e56efbb4f171419866cf1242d38.txt
@@ -0,0 +1,3 @@
+01 Subject Property ....................................................................................................................................................................................................... 12
+
+Overview ................................................................................................................................................................................................................................... 12
diff --git a/chunks/txt/c59f35f192088cf653c7fa303e650479aa199f57b322b2ee0c1b8a3d53ed7f6b.txt b/chunks/txt/c59f35f192088cf653c7fa303e650479aa199f57b322b2ee0c1b8a3d53ed7f6b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..03226b4be032f1fa0bf0f4685d636e344fc6a53c
--- /dev/null
+++ b/chunks/txt/c59f35f192088cf653c7fa303e650479aa199f57b322b2ee0c1b8a3d53ed7f6b.txt
@@ -0,0 +1,37 @@
+[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
+
+# Policy
+
+Supervisory and regulatory activities to ensure the safety and soundness of the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), and the Federal Home Loan Bank System to promote a stable and accessible U.S. housing finance system.
+
+- ## Advisory Bulletins
+
+Publications containing important information, directives, or recommendations related to various aspects of housing finance.
diff --git a/chunks/txt/c5a50e5d1d3f727a59c3cb078ccb195673f6f004fc63c25d029940641c3548f7.txt b/chunks/txt/c5a50e5d1d3f727a59c3cb078ccb195673f6f004fc63c25d029940641c3548f7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1d56e88f5cc770d4ae4dbf846a1149248625b2d7
--- /dev/null
+++ b/chunks/txt/c5a50e5d1d3f727a59c3cb078ccb195673f6f004fc63c25d029940641c3548f7.txt
@@ -0,0 +1,53 @@
+Pro Rata Share Calculation
+Method
+
+Market Value Condition
+
+Sales Comparison Approach
+$595,000
+
+Income Approach
+
+Cost Approach
+
+Not Necessary for Credible Results
+
+Not Necessary for Credible Results
+
+$585,000
+$548,999 (Cooperative Interest)
+
+Reasonable Exposure Time
+Effective Date of Appraisal
+
+30–60 days
+08/28/2019
+
+Maximum
+As Is
+
+The market value represents the cooperative interest. The cooperative interest is the equity portion that is over and above the pro rata share of the
+blanket mortgage(s).
+
+Reconciliation of Market Value
+
+Utilize this subsection for additional commentary as required by USPAP.
+
+Apparent Defects, Damages, Deficiencies
+
+None
+
+Appraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 16 of 18
+Page 16 of 18
+
+This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of
+assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions
+and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis
+necessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the
+certifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material
+alterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an
+appraisal organization, are permitted.
diff --git a/chunks/txt/c5aab3cbbf937b477cdfd516a868e4a6f7d8d67fe7a5bb4788559579d7e84df3.txt b/chunks/txt/c5aab3cbbf937b477cdfd516a868e4a6f7d8d67fe7a5bb4788559579d7e84df3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ee77852c6c31e2a2cff699c5eccf6dbda2f8465a
--- /dev/null
+++ b/chunks/txt/c5aab3cbbf937b477cdfd516a868e4a6f7d8d67fe7a5bb4788559579d7e84df3.txt
@@ -0,0 +1 @@
+© 2018 Fannie Mae. Trademarks of Fannie Mae. 2 of 2
diff --git a/chunks/txt/c5b14fb002e30a4c534b9b66f1d30370c5f6c30702ce841b0ec4f3a7f160d4fd.txt b/chunks/txt/c5b14fb002e30a4c534b9b66f1d30370c5f6c30702ce841b0ec4f3a7f160d4fd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3e7006aa43b1033ce9c896e66db248a7724e8235
--- /dev/null
+++ b/chunks/txt/c5b14fb002e30a4c534b9b66f1d30370c5f6c30702ce841b0ec4f3a7f160d4fd.txt
@@ -0,0 +1,50 @@
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Demand
+SupplyType='OverSupply']
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Typical
+MarketingTimeDurationType='UnderThreeMonths']
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Typical
+MarketingTimeDurationType='ThreeToSixMonths']
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Typical
+MarketingTimeDurationType='OverSixMonths']
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING
+[@_Type='SingleFamily']/@_LowPriceAmount
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING
+[@_Type='SingleFamily']/@_HighPriceAmount
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING
+[@_Type='SingleFamily']/@_PredominantPriceAmount
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING
+[@_Type='SingleFamily']/@_NewestYearsCount
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING
+[@_Type='SingleFamily']/@_OldestYearsCount
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING
+[@_Type='SingleFamily']/@_PredominantAgeYearsCount
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT
+_LAND_USE[@_Type='SingleFamily']/@_Percent
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT
+_LAND_USE[@_Type='TwoToFourFamily']/@_Percent
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT
+_LAND_USE[@_Type='Apartment']/@_Percent
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT
+_LAND_USE[@_Type='Commercial']/@_Percent
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT
+_LAND_USE[@_Type='Other']/@_Percent
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/NEIGHBO
+RHOOD_EXTENSION/NEIGHBORHOOD_EXTENSION_SECTION[@
+ExtensionSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/NEIGHBORHOOD_EXTENSION_SECTION_DATA/NEIG
+HBORHOOD_BOUNDARIES/@GSENeighborhoodBoundariesDescription
diff --git a/chunks/txt/c5b3ea1b71c300b9c1f96317d339ba566dd2b2491e33bfd983ea60a7541c80ea.txt b/chunks/txt/c5b3ea1b71c300b9c1f96317d339ba566dd2b2491e33bfd983ea60a7541c80ea.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d15fcf24d24c2e8864b61bf70372e7281b90711d
--- /dev/null
+++ b/chunks/txt/c5b3ea1b71c300b9c1f96317d339ba566dd2b2491e33bfd983ea60a7541c80ea.txt
@@ -0,0 +1,58 @@
+• Cells in first column (“Lien Detail”) set as TB: “Unpaid Principal Balance,” “Line of Credit,”
+
+“Balloon Mortgage,” “Remaining Term,” “Monthly Payment,” “Interest Rate,” “Amortization
+Type,” “Pro Rata Share of Balance Attributable to Unit”
+
+• Content sets as TB.
+
+PROJECT BLANKET FINANCING TABLE
+
+Project Factors and Impact to Value/Marketability (H1)
+
+• Set 4 column table x 45 picas, headings: (TCH) “Project Factor,” “Detail,” “Impact,” “Comment”.
+
+• Columns 1 and 2:
+
+11 picas 3 points wide (~42 characters per line in each cell.)
+
+• Column 3:
+
+• Column 4:
+
+5 picas wide (~20 characters per line).
+
+17 picas 6 points wide (~70 characters per line).
+
+• Cells in first column set as TB: “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” if applicable per iGuide.
+
+• Content sets as TB.
+
+PROJECT FACTORS AND IMPACT TO VALUE/MARKETABILITY TABLE
+
+Appendix E: Report Style Guide
+
+Page 56 of 90
+
+Version 1.4
+
+Full page width
+
+•
+
+“Project Factors Commentary” sets as TXC-B (bold lead in to Myriad Pro Regular text) X 45 picas.
+
+Project Information Commentary (H1)
+
+Set Commentary as TXC x 45 picas.
+
+Project Information Exhibits (H1)
+
+Subsection does not display if there are no exhibits.
+
+“Subject Listing Information” sets as TAB.
+
+On tab rule set “Current and/or relevant listings of the subject property (minimum 1 year look back)” TAB-TX in 9-
+point Myriad Pro Italic on 12 pica 4 points indent.
diff --git a/chunks/txt/c5bfe8eec77f4fd4064518bedee9c070b5b142df23250f1675aa836155955815.txt b/chunks/txt/c5bfe8eec77f4fd4064518bedee9c070b5b142df23250f1675aa836155955815.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5d0e048084c6b6bde1cc7ee0d05706c5abf682f3
--- /dev/null
+++ b/chunks/txt/c5bfe8eec77f4fd4064518bedee9c070b5b142df23250f1675aa836155955815.txt
@@ -0,0 +1,125 @@
+Description of Zoning Compliance According to Hawaii
+Planning and Zoning Office, the subject can be rebuilt if destroyed.
+Nonconforming to zoning due to smaller lot size than currently
+allowed.
+Property Use
+
+Non-Residential Use
+
+None
+
+Property Access
+Primary Access
+Street Type and Surface
+Typical for Market
+
+Public Street
+Collector Street | Asphalt
+Yes
+
+Description of Property Access Subject fronts onto a collector
+street.
+
+Check #A
+
+Site Influence
+
+Influence
+Busy Roadway
+
+Proximity
+Bordering
+
+Detail
+
+Impact
+Adverse
+
+Comment
+Site fronts to a collector
+street through the
+community, which has higher
+density traffic impacting
+subject’s marketability.
+
+Site Influence Commentary Additional commentary can be added here, if needed by Appraiser.
+
+View and Impact to Value/Marketability
+
+View
+Residential
+
+Range of View
+Full
+
+Impact
+Neutral
+
+View Commentary Additional commentary can be added here, if needed by Appraiser.
+
+Site Features and Impact to Value/Marketability
+
+Feature
+Hazard Zone
+
+Detail
+USGS Lava Flow Zone 2
+
+Impact
+Adverse
+
+Comment
+There is volcanic activity in the Puna District on the
+southeast portion of the island of Hawaii.
+
+Site Features Commentary Additional commentary can be added here, if needed by Appraiser.
+
+Utilities and Impact to Value/Marketability
+
+Broadband Internet Available
+
+Yes
+
+Electricity
+
+Sanitary Sewer
+
+Water
+
+Public
+
+
+
+
+Private
+
+Detail
+
+Private Utility
+Impact
+
+Comment
+
+
+
+Cesspool
+
+Neutral
+
+Cesspools are typical in this jurisdiction.
+
+If more
+
+than 1
+
+Unit--
+
+different
+
+set up
+
+Apparent Defects, Damages, Deficiencies (Site)
+
+None
+
+Site Commentary
diff --git a/chunks/txt/c5c065b0b9568d72a2abd52e0acc585aa98ff4c2fb06e6ff9272055247b3f72f.txt b/chunks/txt/c5c065b0b9568d72a2abd52e0acc585aa98ff4c2fb06e6ff9272055247b3f72f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e558069e787be0a7191e6cc08d0cabba2f1f6a1f
--- /dev/null
+++ b/chunks/txt/c5c065b0b9568d72a2abd52e0acc585aa98ff4c2fb06e6ff9272055247b3f72f.txt
@@ -0,0 +1,47 @@
+72 12 CFR 1003.4(a)(2). ‘‘Conventional’’ is the
+value used by HMDA and the PUDB to indicate a
+loan that is not insured or guaranteed by one of the
+listed federal agencies. See CFPB, 2018 Reportable
+HMDA Data: A Regulatory and Reporting Overview
+Reference Chart at 3, https://
+files.consumerfinance.gov/f/documents/201710_
+cfpb_reportable-hmda-data_regulatory-and-
+reporting-overview-reference-chart.pdf (Aug. 31,
+2018).
+
+73 84 FR at 656.
+74 12 CFR 1003.4(a)(9)(ii).
+75 84 FR at 656.
+76 12 CFR 1003.4(a)(10)(iii).
+77 84 FR at 659.
+78 12 CFR 1003.4(a)(11).
+79 For all Type of Purchaser reporting codes, see
+
+2018 CFPB, 2018 Reportable HMDA Data: A
+Regulatory and Reporting Overview Reference Chart
+at 19, https://files.consumerfinance.gov/f/
+documents/201710_cfpb_reportable-hmda-data_
+regulatory-and-reporting-overview-reference-
+chart.pdf (Aug. 31, 2018). The CFPB’s 2015
+modifications to Type of Purchaser are not relevant
+to the Enterprise data. 80 FR at 66197.
+
+Mae and Freddie Mac. For the PUDB,
+the other Type of Purchaser values are
+not relevant because, by definition, all
+PUDB loans were purchased by the
+Enterprises.80 The Enterprise Flag will
+continue to be disclosed in all Single-
+Family PUDB Files, including the
+Census Tract File, without modification.
+HOEPA Status: HOEPA Status is an
+
+unchanged HMDA data element that
+indicates whether the loan is a HOEPA
+loan.81 HOEPA Status is disclosed in the
+current PUDB Single-Family Census
+Tract File without modification, in
+conformance with the CFPB Privacy
+Guidance.82 HOEPA Status will
+continue to be disclosed in this File
+without modification.
diff --git a/chunks/txt/c5c826760129a27df68b47875047869062e938786d35c8cc67284fa7d35d7a04.txt b/chunks/txt/c5c826760129a27df68b47875047869062e938786d35c8cc67284fa7d35d7a04.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ac4f015da87388aee02884b1268e4f6734344189
--- /dev/null
+++ b/chunks/txt/c5c826760129a27df68b47875047869062e938786d35c8cc67284fa7d35d7a04.txt
@@ -0,0 +1,80 @@
+317
+
+2
+
+e-6
+
+SALES
+COMPARISON
+APPROACH
+
+View
+
+(ViewType)
+
+GSE View Type
+
+The type of view associated with the
+property.
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/SALE_PRICE_ADJUSTMENT[@_Type='Site
+Area']/@_Amount
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/COMPARISON_VIEW_OVERALL_RATIN
+G_EXTENSION/COMPARISON_VIEW_OVE
+RALL_RATING_EXTENSION_SECTION[@E
+xtensionSectionOrganizationName='UNIFORM
+APPRAISAL
+DATASET']/COMPARISON_VIEW_OVERAL
+L_RATING_EXTENSION_SECTION_DATA/
+COMPARISON_VIEW_OVERALL_RATING/
+@GSEViewOverallRatingType
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/COMPARISON_VIEW_DETAIL_EXTENSI
+ON/COMPARISON_VIEW_DETAIL_EXTEN
+SION_SECTION[@ExtensionSectionOrganizati
+onName='UNIFORM APPRAISAL
+DATASET']/COMPARISON_VIEW_DETAIL_
+EXTENSION_SECTION_DATA/COMPARIS
+ON_VIEW_DETAIL[@_SequenceIdentifier='1..
+2']/@GSEViewType
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+
+10
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+The sum of this field 2-63 and fields (2-53, 2-
+55, 2-57, 2-59, 2-61, 2-65, 2-67, 2-69, 2-71,
+2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-
+88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must
+add up to Net Adjustment field 2-103.
+
+CR
+
+CR
+
+CR
+
+10
+
+Enumerated
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+The allowable values are listed below. When representing these values in the
+XML file, they must be shown exactly as they appear below:
diff --git a/chunks/txt/c5d63bc83a43804edf5c9dd747717666e3eca4c6cdedb1d749f42d8698eb8e8c.txt b/chunks/txt/c5d63bc83a43804edf5c9dd747717666e3eca4c6cdedb1d749f42d8698eb8e8c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a222695b6e99e8436108952ad1351990457f4997
--- /dev/null
+++ b/chunks/txt/c5d63bc83a43804edf5c9dd747717666e3eca4c6cdedb1d749f42d8698eb8e8c.txt
@@ -0,0 +1,33 @@
+UAD 3.6 Policy
+
+SB4-1.3-10, Cost and Income Approaches to Value (06/04/2025)
+
+Introduction
+
+This topic contains information on reviewing the cost approach and the income approach, including:
+
+• Cost Approach to Value
+•
+
+Income Approach to Value
+
+Cost Approach to Value
+
+Fannie Mae does not require the cost approach to value except for the valuation of manufactured homes. However, USPAP
+requires the appraiser to develop and report the result of any approach to value that is necessary for credible assignment results.
+For example, when appraising proposed or newly constructed properties, if the appraiser believes the cost approach is necessary
+for credible assignment results, then the cost approach must be developed and the results reported in the URAR. Appraisals that
+rely solely on the cost approach as an indicator of market value are not acceptable.
+
+The cost approach to value assumes that a potential purchaser will consider building a substitute residence that has the same use
+as the property being appraised. This approach, then, measures value as a cost of production. It may be appropriate to use the
+cost approach when appraising new or proposed construction, property that is undergoing renovation, unique property, or
+property that features functional depreciation, to support the sales comparison approach analysis. The reliability of the cost
+approach depends on valid reproduction cost estimates, proper depreciation estimates, and accurate site values.
+
+The appraiser must disclose the method(s) and source(s) used to form an opinion of site value. In instances where land
+comparables are used, the appraiser must also provide details on the land sales including access, utilities, zoning, views, or site
+influences of the land comparables in relation to the subject’s site. Any value attributed to developing the raw land into a
+buildable site should be accounted for in the appraiser’s opinion of site value. Similar to the sales used in the sales comparison
+approach, time adjustments may be needed to establish a current market value for the land sale as of the effective date of the
+appraisal report.
diff --git a/chunks/txt/c5decb6956e1ad49ec1d79659b506724b65e81f38bfa59c627a4a63c1853b969.txt b/chunks/txt/c5decb6956e1ad49ec1d79659b506724b65e81f38bfa59c627a4a63c1853b969.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fab9b6b2b793ab4cce144e3d3019bcee4ffbc889
--- /dev/null
+++ b/chunks/txt/c5decb6956e1ad49ec1d79659b506724b65e81f38bfa59c627a4a63c1853b969.txt
@@ -0,0 +1,51 @@
+UAD Instruction - Refer to Appendix D Improvements Section
+This field should contain a description of the porch. If no porch indicate 'None'.
+
+A value of 'Y' indicates an other amenity exists, a value of 'N' indicates the box is not
+checked.
+
+UAD Instruction - Refer to Appendix D Improvements Section
+This field should contain a description of the other amenities. If there are no other
+amenities indicate 'None'.
+
+A value of 'Y' indicates there is a refrigerator. A value of 'N' indicates the box was not
+checked.
+
+A value of 'Y' indicates there is a range/oven. A value of 'N' indicates the box was not
+checked.
+
+A value of 'Y' indicates there is a disposal. A value of 'N' indicates the box was not
+checked.
+
+A value of 'Y' indicates there is a microwave. A value of 'N' indicates the box was not
+checked.
+
+A value of 'Y' indicates there is a dishwasher. A value of 'N' indicates the box was not
+checked.
+
+A value of 'Y' indicates there is a washer/dryer. A value of 'N' indicates the box was not
+checked.
+
+Boolean
+
+A value of 'N' indicates there is no car storage. A value of 'Y' indicates the box was not
+checked.
+
+This field should be populated if the value
+indicated in field 2-63 (Amenity Detailed
+Description) is not equal to 'None'.
+
+This field should be populated if the value
+indicated in field 2-65 is not equal to 'None'.
+
+This field should have a value of 'Y' if the
+value indicated in field 2-67 (Amenity Type
+Other Description) is not equal to 'None'.
+
+If field 2-74 (Car Storage Exists Indicator =
+'N') is indicated, then none of fields 2-75, 2-
+76, 2-77 (Car Storage Location Exists
+Indicator = 'Y' and values of Car Storage
+Location Type) should be indicated. If field
+2-74 is not indicated, then at least one of
+fields 2-75, 2-76, 2-77 should be indicated.
diff --git a/chunks/txt/c5ebb9a0f47489ae0ea5afdef1b27514b7862baca2332d9fec838efa2b7a490f.txt b/chunks/txt/c5ebb9a0f47489ae0ea5afdef1b27514b7862baca2332d9fec838efa2b7a490f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ec87103e5d84c528215c92b14b7e7a70b59e9655
--- /dev/null
+++ b/chunks/txt/c5ebb9a0f47489ae0ea5afdef1b27514b7862baca2332d9fec838efa2b7a490f.txt
@@ -0,0 +1,30 @@
+Stands for any integer in the Appendix I excerpts provided throughout the document
+
+Principal and Interest
+
+The data presented in Green Text on Closing Disclosure For examples and within the body
+of the text. This is the delivered information documenting a unique closing transaction.
+Also referred to as a Form Field Value or disclosed data.
+
+Qualified Mortgage, part of Regulation Z. A mortgage falling into a category of loans that
+have certain, more stable features that help make it more likely that the borrower is able
+to afford the loan. A Qualified Mortgage loan is one where the lender met certain
+requirements and is assumed to have followed the ability-to-repay rule.
+
+Integrated Mortgage Closing Disclosure under the Real Estate Settlement Procedures Act
+(Regulation X) and the Truth In Lending Act (Regulation Z) issued by the Consumer
+Financial Protection Bureau published in Vol. 78, No. 251 of the Federal Register on
+Tuesday, December 31, 2013.
+
+Regulation Z implements the Truth in Lending Act (TILA), which prohibits a creditor from
+making a higher-priced mortgage loan without regard to the consumer’s ability to repay
+the loan, and Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and
+Consumer Protection Act (Dodd-Frank Act), which generally require creditors to make a
+reasonable, good faith determination of a consumer’s ability to repay any consumer
+credit transaction secured by a dwelling and establishes certain protections from liability
+under this requirement for “qualified mortgages.”
+
+Real Estate Settlement Procedures Act (Regulation X)
+
+Represented on form. Term used in Appendix I excerpts to indicate that the XML value
+and the form field entry differ.
diff --git a/chunks/txt/c5ed75ca6ade29df5a1ff1946afc15f1f96cdecd0511ad06cb53dd5fb3f37c41.txt b/chunks/txt/c5ed75ca6ade29df5a1ff1946afc15f1f96cdecd0511ad06cb53dd5fb3f37c41.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fada8dd0038cef140567189948f3c587be750470
--- /dev/null
+++ b/chunks/txt/c5ed75ca6ade29df5a1ff1946afc15f1f96cdecd0511ad06cb53dd5fb3f37c41.txt
@@ -0,0 +1,23 @@
+#### Lender Preparedness Webinar Recording
+
+[]() ×
+
+> *[Iframe content not accessible: https://fanniemae.qumucloud.com/view/XircO1Beu7xameqeTvQnay?&autoplay=0]*
+
+![image](https://fanniemae.qumucloud.com/kulu/XircO1Beu7xameqeTvQnay/thumbnail)
+
+![image](/sites/g/files/koqyhd181/files/2021-05/UMDP%20logo%20May%202021.png)
+
+## []()Announcements
+
+###
+
+Available Now in Broad Production: UAD 3.6 and Forms Redesign: Jan. 26, 2026
+
+The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign Broad Production Period begins today, January 26, 2026. All lenders are now permitted to submit UAD 3.6 appraisal reports to the Uniform Collateral Data Portal® (UCDP®).
+
+Submission of UAD 3.6 appraisal reports is not yet mandatory; however, lenders that have updated their systems and processes to support UAD 3.6 appraisal reports – including working with an[appraisal software provider](/integrated-vendor-list) whose software has been verified for UAD 3.6 – are encouraged to begin integrating appraisal reports that use UAD 3.6 into their workflow. Gradually integrating UAD 3.6 appraisal reports will help lenders prepare for a full transition by November 2, 2026 mandate, when all appraisal reports on loans sold to Freddie Mac or Fannie Mae must use UAD 3.6.
+
+To learn more about the UAD 3.6 and Forms Redesign, visit the[Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and UAD webpages. If you have questions, please contact your GSE representative.
+
+UAD 3.6 and Forms Redesign: Inspection and Reporting Tips: Oct. 21, 2025
diff --git a/chunks/txt/c5ef3e3e52b81669f297d010fb046345aad4ebea9adfc3e1f2131317a2ed4cd6.txt b/chunks/txt/c5ef3e3e52b81669f297d010fb046345aad4ebea9adfc3e1f2131317a2ed4cd6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c191b0ff62311b4820b9f3c3df3eb2e36fe61278
--- /dev/null
+++ b/chunks/txt/c5ef3e3e52b81669f297d010fb046345aad4ebea9adfc3e1f2131317a2ed4cd6.txt
@@ -0,0 +1,41 @@
+[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
+
+![Lincoln memorial with the Washington Monument appearing between the pillars](/sites/default/files/styles/desktop_hero/public/2025-04/hero-5.jpg.webp?itok=W6yiIudy)
+
+# Speeches
+
+Director speeches that offer valuable insights from FHFA leadership.
+
+## Breadcrumb
+
+- [Home](/)
+ - [News](/news)
+ - Speeches
diff --git a/chunks/txt/c6068f58790c309c9cabe20a217ed8cf246455702cdc2ae97ce0dda366ff5a80.txt b/chunks/txt/c6068f58790c309c9cabe20a217ed8cf246455702cdc2ae97ce0dda366ff5a80.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ecfa76a6605f35c025171382e4ef40777520e458
--- /dev/null
+++ b/chunks/txt/c6068f58790c309c9cabe20a217ed8cf246455702cdc2ae97ce0dda366ff5a80.txt
@@ -0,0 +1,120 @@
+c.
+
+Include the RegulationZ Point AndFee Indicator with every charge in support of ATR/QM.
+
+2.
+
+Identify service provider company
+
+a.
+
+In support of ATR/QM, categorize the payee to identify Broker or Lender affiliates
+
+3. Determine if the payment was broken out across multiple payors or was paid at different times relative
+to closing. If paid by one payor at one time, disclose the full amount of the charge in the appropriate
+column.
+
+4.
+
+If the payment was broken out, disclose all payors, their portion of the charge, and at what time they
+paid it relative to closing.
+
+a.
+
+If the charge was paid by a third party, no timing information is needed. (7.7.6)
+
+b. If the third-party payor is the lender, precede the amount paid by the indicator “(L)” (7.7.6)
+
+The data points used to provide this information are shown in the table below and are repeated as needed to
+provide each line item.
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0
+Value
+
+Notes
+
+Table 100. Other Line Items
+
+First Instance of FEE
+
+UID
+8.180
+
+8.17
+
+N/A - GSE
+
+…/FEE/FEE_DETAIL
+
+FeePaidToType
+
+ThirdPartyProvider Not Shown –
+
+ATR/QM
+
+HOA Special
+Assessment
+
+FeeType
+
+HomeownersAssoci
+ationSpecialAssess
+ment
+
+ROF as “HOA
+Special
+Assessment”
+
+8.17 N/A-XML
+
+8.17 N/A
+
+N/A - GSE
+
+UID
+8.186
+
+@gse:DisplayLabelT
+ext
+
+HOA Special
+Assessment
+
+IntegratedDisclosur
+eSectionType
+
+OtherCosts
+
+OptionalCostIndicat
+or
+
+false
+
+RegulationZPointsA
+ndFeesIndicator
+
+true
+
+Not shown unless =
+“true”
+
+Not Shown –
+ATR/QM
+
+Appendix E: UCD Implementation Guide
+
+Page 139 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
diff --git a/chunks/txt/c608469bb6fcc5072d87e1183852881a8e15dc2185c4906403a5918003f99cbf.txt b/chunks/txt/c608469bb6fcc5072d87e1183852881a8e15dc2185c4906403a5918003f99cbf.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0814b4e1bcfd98eb477981fda1366bdefb6bffcf
--- /dev/null
+++ b/chunks/txt/c608469bb6fcc5072d87e1183852881a8e15dc2185c4906403a5918003f99cbf.txt
@@ -0,0 +1,39 @@
+29.041
+
+21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided
+significant real property appraisal assistance.
+
+29.042
+
+21. I personally prepared conclusions and opinions about the real estate that were set forth in this appraisal report. [Contact Name(s)]
+provided significant real property appraisal assistance in the development of this report. I certify that any individual so named is qualified to
+perform the assistance.
+
+29.043
+
+22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is
+unauthorized and I will take no responsibility for it.
+
+29.044
+
+23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will
+receive this appraisal report.
+
+29.045
+
+24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject
+to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that
+pertain to disclosure or distribution by me.
+
+29.046
+
+25. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the
+mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data
+collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any
+state, the District of Columbia, or other jurisdictions. Any of the foregoing persons or entities who receive this appraisal report may choose to
+store, copy, reproduce, analyze, use and distribute the data in the appraisal report for internal or external purposes without having to obtain
+the appraiser’s or supervisory appraiser’s (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or
+distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). A
+person or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as
+an intended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to
+the mortgage finance transaction and related activities for which this appraisal report was prepared.
diff --git a/chunks/txt/c60d9167d27529fab3f9160221f18b1f88cdbd1aa689d8335b4e097b5e49f75d.txt b/chunks/txt/c60d9167d27529fab3f9160221f18b1f88cdbd1aa689d8335b4e097b5e49f75d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..536a12b298c37fbdd59543a4a3a3c5d1473fb48b
--- /dev/null
+++ b/chunks/txt/c60d9167d27529fab3f9160221f18b1f88cdbd1aa689d8335b4e097b5e49f75d.txt
@@ -0,0 +1,36 @@
+- [1](?page=0)
+ - [2](?page=1)
+ - [3](?page=2)
+ - [4](?page=3)
+ - [Next](?page=1)
+ - [Last](?page=3)
+
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
+
+## Footer
+
+- [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
diff --git a/chunks/txt/c6107eef2cd7e0a458e4b6ea6b43752a233d5127332d83f4de375b0aaf6b69ac.txt b/chunks/txt/c6107eef2cd7e0a458e4b6ea6b43752a233d5127332d83f4de375b0aaf6b69ac.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0a277e00411a6227bae45933803e9554fd0c7337
--- /dev/null
+++ b/chunks/txt/c6107eef2cd7e0a458e4b6ea6b43752a233d5127332d83f4de375b0aaf6b69ac.txt
@@ -0,0 +1,178 @@
+TB
+
+Summary
+
+TB-SCA_H2
+
+TB-B
+
+Rent Per Finished Area
+
+TB-B
+
+TCH
+
+TCH
+TB
+
+Actual Rent
+
+Overall Comparison
+to Subject
+
+Adjusted Rent
+
+Opinion of
+Market Rent
+
+Comparable Weight
+
+Proximity to Subject
+
+Neighborhood Name
+
+Project Name
+
+Project Common
+Amenities/Services
+
+Site Influence
+
+View from Unit
+
+Floor Number
+
+Site Size
+
+Grade Level
+
+Interior Condition
+
+Bedrooms
+
+Baths - Full | Half
+
+Finished Area
+
+Furnished
+
+Utilities/Services
+Included
+
+Rent Control
+
+Rent Concessions
+
+Vehicle Storage | Spaces
+
+TB
+
+Summary
+
+TB-SCA_H2
+
+TB-B
+
+Rent Per Finished Area
+
+Actual Rent
+
+Overall Comparison
+to Subject
+
+Adjusted Rent
+
+Opinion of
+Market Rent
+
+TB-B
+
+Comparable Weight
+
+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
+
+H1
+TXC
+
+H1
+
+Rental Analysis Commentary
+
+Rental Information Exhibits
+
+2 COLUMN PAGE FORMAT
+
+HDR-R
+
+CAP
+
+Comparable #
+
+CAP
+
+Comparable #
+
+CAP
+
+Comparable #
+
+CAP
+
+Comparable #
+
+CAP
+
+Comparable #
+
+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
+
+Income Approach
+
+H1
+
+Gross Rent Multiplier Comparables
+
+2 COLUMN PAGE FORMAT
+
+HDR-R
+
+TCH
+TB
+
+Property Address
+
+Subject Property
+
+Comparable #
+
+Comparable #
+
+Comparable #
+
+TB
+
+Data Source
+
+Proximity to Subject
+
+Units Excluding ADUs
+
+Accessory Dwelling Units
+
+Gross Building Finished Area
+
+Rent Control
diff --git a/chunks/txt/c61541085fd609bd34297f00fc3a0ade056381074dedfd5cdc28c6446f5f75e5.txt b/chunks/txt/c61541085fd609bd34297f00fc3a0ade056381074dedfd5cdc28c6446f5f75e5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1515b8fbc38c9b9d81d5b203910192ec623130d2
--- /dev/null
+++ b/chunks/txt/c61541085fd609bd34297f00fc3a0ade056381074dedfd5cdc28c6446f5f75e5.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/advisory-bulletin"
+date_accessed: "2026-01-27T17:47:57.707Z"
+---
+
+> *[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)
diff --git a/chunks/txt/c61e0a9b2e1f376beec0262f114acac79f78ac40de2a8b3a85a7ea0f76e60974.txt b/chunks/txt/c61e0a9b2e1f376beec0262f114acac79f78ac40de2a8b3a85a7ea0f76e60974.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d354062237bdfd5cc5ff06374a96582d6da744aa
--- /dev/null
+++ b/chunks/txt/c61e0a9b2e1f376beec0262f114acac79f78ac40de2a8b3a85a7ea0f76e60974.txt
@@ -0,0 +1,11 @@
+## Footer
+
+- [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
+
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/811","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();
diff --git a/chunks/txt/c61fa7a36c1427219f4f002d1cfeb1a0f14c9bef917b9036ab15899573bfe0e8.txt b/chunks/txt/c61fa7a36c1427219f4f002d1cfeb1a0f14c9bef917b9036ab15899573bfe0e8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c866023e58b43716a8fa91f23752803277b2c172
--- /dev/null
+++ b/chunks/txt/c61fa7a36c1427219f4f002d1cfeb1a0f14c9bef917b9036ab15899573bfe0e8.txt
@@ -0,0 +1,94 @@
+Date
+10/01/2015
+
+Amount
+$2,500,000
+
+Data Source
+Assessor Record
+MLS
+
+Analysis of Prior Sale and Transfer History of Subject Property Land was purchased in a bulk sale for the current subdivision Grammy
+Gold.
+
+Comparable Transfer History
+
+Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)
+#
+1
+
+Transfer Terms
+Typically Motivated
+
+Date
+06/07/2017
+
+Amount
+$805,000
+
+Data Source
+MLS
+Assessor Record
+
+2
+
+3
+
+4
+
+None
+
+None
+
+None
+
+MLS
+
+MLS
+
+MLS
+
+Analysis of Prior Sale and Transfer History of Comparable Sales Comparable #1 had a prior transfer. The prior sale appears to be a market
+motivated arm’s length transaction with no unusual concessions noted. The increase in value appears to be based upon recent improvements
+made to the comparable which include, but are not limited to, the finishing of the below grade area to include a family room, bedroom, and
+bathroom. No other prior sales have been reported for the remaining comparable properties.
+
+Appraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)
+
+Uniform Residential Appraisal Report
+
+Page 14 of 24
+Page 14 of 24
+
+Sales Comparison Approach
+
+Subject Property
+
+Comparable #1
+
+Comparable #2
+
+Comparable #3
+
+General Information
+
+Property Address
+
+8675309 Jenny Ln
+Anytown, IL 54321
+
+44828 Jane Ln
+Anytown, IL 54321
+
+28200 Mary Ln
+Anytown, IL 54321
+
+23454 Sue Rd
+Anytown, IL 54321
+
+This is where the Dwelling
+Front photo would display.
+
+This is where the
+Comparable 1 photo
+would display.
diff --git a/chunks/txt/c63a64e68c17798acba96ca860539ed077b685b98641076f5803feb0007d58d6.txt b/chunks/txt/c63a64e68c17798acba96ca860539ed077b685b98641076f5803feb0007d58d6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..27cbd177552557851b35651d0879ec553dddf308
--- /dev/null
+++ b/chunks/txt/c63a64e68c17798acba96ca860539ed077b685b98641076f5803feb0007d58d6.txt
@@ -0,0 +1,137 @@
+TAB
+
+Vehicle Storage
+
+Storage
+
+TCH
+TB
+
+2 COLUMN PAGE FORMAT
+
+HDR-R
+
+Number of Parking Spaces
+
+Detail
+
+H1
+
+Apparent Defects, Damages, Deficiencies (Vehicle Storage)
+
+TXC-I
+
+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
+
+Vehicle Storage Commentary
+
+TCH
+TB
+
+H1
+TXC
+
+H1
+
+Vehicle Storage Exhibits
+
+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 Amenities
+
+2 COLUMN PAGE FORMAT
+
+HDR-R
+
+Amenity Category
+
+Subject Property Amenity
+
+Material
+
+Detail
+
+TCH
+
+TB
+
+H1
+
+Apparent Defects, Damages, Deficiencies (Subject Property Amenities)
+
+TXC-I
+
+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
+
+Subject Property Amenities Commentary
+
+TCH
+
+TB
+
+H1
+TXC
+
+H1
+
+Subject Property Amenities Exhibits
+
+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
+
+Overall Quality and Condition
+
+Overall Quality
+
+Exterior Quality - [Structure Identifier]
+Interior Quality - [Unit Identifier]
+
+Reconciliation of Overall Quality and Condition
+
+TXR-B
+TXR-I
+TXR-I
+
+H1
+TXC
+
+2 COLUMN PAGE FORMAT
diff --git a/chunks/txt/c64bcfde704cfe91c45006aef643d4ac71269919a70796c5e9baef7a91d899a5.txt b/chunks/txt/c64bcfde704cfe91c45006aef643d4ac71269919a70796c5e9baef7a91d899a5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8afaf72b9f0ed6480aae8227bf892e79f894140f
--- /dev/null
+++ b/chunks/txt/c64bcfde704cfe91c45006aef643d4ac71269919a70796c5e9baef7a91d899a5.txt
@@ -0,0 +1,102 @@
+Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 15 of 20
+
+Sales Comparison Approach (continued)
+
+PG BRK
+
+Sales Comparison Map
+
+This is where the Comparable Map photo would display.
+
+Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 16 of 20
+
+Sales Comparison Approach (continued)
+
+PG BRK
+
+Sales Comparison Approach Exhibits
+
+Comparable #1
+
+Comparable #2
+
+This is where the Comparable 1 photo would display.
+
+Comparable #3
+
+Comparable #4
+
+This is where the Comparable 4 photo would display.
+
+Cost Approach
+
+Indicated Value by Cost Approach
+
+Depreciated Cost of Dwellings
+As Is Value of Site Improvements
+Opinion of Site Value
+
+$271,410
+
+$201,410
+$31,500
+$38,500
+
+Depreciated Cost - Dwelling
+
+Above Grade Finished Area
+
+Attached Garage
+
+Total Depreciation
+
+Manufactured Home Delivery,
+Installation, and Set Up
+
+1,568 Sq. Ft. @ $121.25
+
+400 Sq. Ft. @ $50.00
+
+$190,120
+
+$20,000
+
+$(17,710)
+
+$9,000
+
+Total
+
+$201,410
+
+Remaining Economic Life
+Effective Age
+
+45 years
+1-5 years
+
+Commentary on Effective Age The subject has an actual age of 2 years and was manufactured, and installed on site, in 2020. Effective age is
+estimated at 1–5 years.
+
+As Is Value of Site Improvements
+
+Description
+Utility Connections, Driveway, Patio, and Porch
+
+Amount
+
+$31,500
+
+$31,500
+
+Total
+
+Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024
diff --git a/chunks/txt/c64fad06abb1e8f7ce3c8d9a2d017eb6fea3e482da45638540b09bb06d369da1.txt b/chunks/txt/c64fad06abb1e8f7ce3c8d9a2d017eb6fea3e482da45638540b09bb06d369da1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3c6be4607335bfb903ea61e4063a857a7d569bf8
--- /dev/null
+++ b/chunks/txt/c64fad06abb1e8f7ce3c8d9a2d017eb6fea3e482da45638540b09bb06d369da1.txt
@@ -0,0 +1,37 @@
+Freddie Mac Form 70H July 2020
+
+226
+
+Page 4 of 6
+
+Fannie Mae Form 1004 Hybrid July 2020
+
+2
+
+Uniform Residential Appraisal Report (Hybrid)
+
+File # 3
+
+4 4a
+
+APPRAISER’S CERTIFICATION: The Appraiser certifies and agrees that:
+
+1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this
+appraisal report.
+
+2. I did not perform a personal visual inspection of the subject property as part of this appraisal assignment. I reported the
+condition of the improvements in factual, specific terms, relying on subject property information from the property data report. I
+reported the physical deficiencies that could affect the livability, soundness, or structural integrity of the property.
+
+3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal
+Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in
+place at the time this appraisal report was prepared.
+
+4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales
+comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for
+this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop them,
+unless otherwise indicated in this report.
+
+5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for sale
+of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject
+property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report.
diff --git a/chunks/txt/c6517b55cda58352bea51c0ba4f227ac7ebcb7683511e78f49d78963e49ec01a.txt b/chunks/txt/c6517b55cda58352bea51c0ba4f227ac7ebcb7683511e78f49d78963e49ec01a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..df574f584dc4b7d348db7affbbc4265dbb1a4173
--- /dev/null
+++ b/chunks/txt/c6517b55cda58352bea51c0ba4f227ac7ebcb7683511e78f49d78963e49ec01a.txt
@@ -0,0 +1,129 @@
+Page 4 of 19
+Page 4 of 19
+
+Sketch
+
+Measurement Standard
+
+ANSI
+
+Sketch
+
+Sketch does not represent actual dimensions of pictures, used for example only. A Sketch
+adherent to the ANSI standard must be measured to the nearest inch or tenth of a foot.
+
+Dwelling Exterior
+
+Subject Property Units in
+Structure
+Dwelling Style
+Front Door Elevation
+Year Built
+Construction Method
+Converted Area
+
+1
+Ranch
+Ground Level
+2018
+Site Built
+None
+
+This is where the Dwelling Front photo would display.
+
+Appraisal Version #2Fannie Mae | Freddie Mac September 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5)
+
+Uniform Residential Appraisal Report
+
+Page 5 of 19
+Page 5 of 19
+
+Dwelling Exterior (continued)
+
+Quality and Condition
+
+Exterior Quality Rating
+
+Q4
+
+Exterior Condition Rating
+
+C3
+
+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
+
+Quality Comment
+
+Detail
+Brick | Wood
+
+Poured Concrete | Slab
+
+Asphalt
+Estimated Age: 1-10 years
+
+Vinyl thermal pane - double
+hung
+
+Standard grade
+materials used
+
+Condition Status
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+New or Like New
+
+Typical Wear and Tear
+
+Condition Comment
+
+Check #A
+
+Mechanical System Details
+
+Heating
+
+Cooling
+
+System
+Forced Warm Air
+
+Centralized
+
+Detail
+Natural Gas
+
+Core Heating System Below Grade
+
+Other Mechanical Systems
+
+Water Heater
+
+Yes No
+ 
+
+Apparent Defects, Damages, Deficiencies (Dwelling Exterior)
+
+None
+
+Unit Interior
+
+Area Breakdown
+
+Finished Above Grade
+Unfinished Above Grade
+Finished Below Grade
+Unfinished Below Grade
diff --git a/chunks/txt/c6606296eafcc6ef9965834c3fce8d7b1c9c018e3ad88bb4604d52ceb73824b4.txt b/chunks/txt/c6606296eafcc6ef9965834c3fce8d7b1c9c018e3ad88bb4604d52ceb73824b4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..25238263c689f6ab4fef2108c33eb9c93757bbb9
--- /dev/null
+++ b/chunks/txt/c6606296eafcc6ef9965834c3fce8d7b1c9c018e3ad88bb4604d52ceb73824b4.txt
@@ -0,0 +1,37 @@
+Loan Servicing Data Utility (LSDU) 2.1 Release Notes
+
+February 20, 2019
+
+Effective February 20, 2019, the LSDU 2.1 release will be implemented to support new
+functions. This release contains functional and technical system enhancements, and will
+remediate defects associated with previous releases. The changes include:
+
+ Enhancement to provide a download of P&I details for cash position search results
+ Enhancement to provide messaging about downtime and in-cycle issues via a banner
+ Enhancement to provide additional data in the Delinquency Modification tab
+ Defect Remediation
+
+Enhancement to provide a download of P&I details for cash position search results
+
+LSDU functionality is being updated to enable Servicers the ability to download the current
+month P&I details for cash position search results. The details provided will contain one row for
+each loan that accounted for the Total P&I Transaction Applied Amount shown in the summary.
+Please refer to the User Guide for more information on how to download the details.
+
+Enhancement to provide messaging about downtime and in-cycle issues via a banner
+
+LSDU functionality is being updated to enable a banner that will provide customers details about
+any maintenance or other messaging important to the customer.
+
+Enahncement to provide additional data in the Delinquency Modification tab
+
+LSDU functionality is being updated to add new attributes to Delinquency Modification tab of the
+data details screen for a single loan. The following attributes have been added:
+
+ Mod Total Capitalized Amount
+ Mod Interest Capitalized Amount
+ Mod Borrower Contribution Amount
+ Mod Advances Capitalized Amount
+ Mod Case ID
+ Mod Program Type
+ Mod Ending Excess Yield Rate
diff --git a/chunks/txt/c6609d52157df0926bceefe43a862ae08430a215513cf559ce3b3415f7af7a48.txt b/chunks/txt/c6609d52157df0926bceefe43a862ae08430a215513cf559ce3b3415f7af7a48.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3a528a9f13521262cd5c0d29679aea3cd3233642
--- /dev/null
+++ b/chunks/txt/c6609d52157df0926bceefe43a862ae08430a215513cf559ce3b3415f7af7a48.txt
@@ -0,0 +1,35 @@
+Read our [Annual Report to Congress](/reports/annual-report-to-congress).
+
+[Fannie Mae and Freddie Mac Capital Requirements](/supervision/fannie-mae-and-freddie-mac/capital-requirements)
+
+[Miscellaneous Pre-2008 Guidance](/supervision/fannie-mae-and-freddie-mac/miscellaneous-pre-2008-guidance)
+
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
+
+## Footer
+
+- [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
diff --git a/chunks/txt/c6690df2bf9de6ac08e3f2bdd97ab80a1b682cf13077b3dc1a148f2e95fdb5ff.txt b/chunks/txt/c6690df2bf9de6ac08e3f2bdd97ab80a1b682cf13077b3dc1a148f2e95fdb5ff.txt
new file mode 100644
index 0000000000000000000000000000000000000000..585ca932519df23441a47101f2d6ad06f056a0d0
--- /dev/null
+++ b/chunks/txt/c6690df2bf9de6ac08e3f2bdd97ab80a1b682cf13077b3dc1a148f2e95fdb5ff.txt
@@ -0,0 +1,107 @@
+Property Rights
+Type Other
+Description
+
+A free form text field used to collect
+additional information when Other is
+selected for Property Rights Type.
+
+/VALUATION_RESPONSE/PROPERTY/@_RightsTypeOtherDescription
+
+4000
+
+String
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+SUBJECT
+
+Assignment Type
+Purchase Transaction
+
+Appraisal Purpose
+Type
+
+Specifies the purpose of the appraisal
+assignment.
+
+/VALUATION_RESPONSE/REPORT[@AppraisalPurposeType=‘Purchase’]
+
+SUBJECT
+
+Assignment Type
+Refinance Transaction
+
+Appraisal Purpose
+Type
+
+Specifies the purpose of the appraisal
+assignment.
+
+/VALUATION_RESPONSE/REPORT[@AppraisalPurposeType=‘Refinance’]
+
+SUBJECT
+
+Assignment Type
+Other
+
+Appraisal Purpose
+Type
+
+Specifies the purpose of the appraisal
+assignment.
+
+/VALUATION_RESPONSE/REPORT[@AppraisalPurposeType=‘Other’]
+
+9
+
+9
+
+9
+
+Enumerated
+
+UAD Requirement - Refer to Appendix D Subject Section
+
+Enumerated
+
+UAD Requirement - Refer to Appendix D Subject Section
+
+Enumerated
+
+UAD Requirement - Refer to Appendix D Subject Section
+
+SUBJECT
+
+Assignment Type
+Other (describe)
+
+SUBJECT
+
+Lender/Client
+
+SUBJECT
+
+Lender/Client
+Address
+
+Appraisal Purpose
+Type Other
+Description
+Lender Unparsed
+Name
+
+Appraisal Forms
+Lender Unparsed
+Address
+
+A free form text field used to collect
+additional information when Other is
+selected for Appraisal Purpose Type.
+The name of the party or entity designated
+as the lender for the loan.
+The unparsed address of the lender.
+Generally includes the street address,
+suite number, city, state and zip code.
+FORM SPECIFIC FIELD
diff --git a/chunks/txt/c6764810c987ddef287aa140eb7ed42069acb04ca92712e4b719fd239f40ad78.txt b/chunks/txt/c6764810c987ddef287aa140eb7ed42069acb04ca92712e4b719fd239f40ad78.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5cd8a716dbf3b72c149c9419d12b49f3b4863a45
--- /dev/null
+++ b/chunks/txt/c6764810c987ddef287aa140eb7ed42069acb04ca92712e4b719fd239f40ad78.txt
@@ -0,0 +1,13 @@
+**Income/Down Payment**– This fraud involves providing false income information to qualify for a loan. Borrower income and assets may be inflated or completely manufactured. Down payment fraud involves disguising a loan of down payment funds as a gift.
+
+#### Fraud Against Homeowners
+
+**Home Title Fraud/Deed Fraud** – A property deed or title transfer executed and recorded illegally without the authorization or knowledge of the true and present owner. Methods used to attempt title fraud include forged warranty, grant, or quitclaim deeds. A forged deed, when executed and recorded, effectively transfers the property to the fraudster without the knowledge of the true homeowner.
+
+**Phantom Sale** – A false title transfer of property to obtain funds by mortgage loan or sale of property to third parties.
+
+#### Fraud Against Distressed Homeowners
+
+**Debt Elimination Claims** – Fraudsters claim they can eliminate a borrower’s mortgage or other debt, including credit card balances, student loans, and auto loans. Schemes generally involve demands for payment by victims of an up-front fee. Victims lose money and may lose their property, damage their credit records, and be subject to legal action by creditors based on failure to make debt payments.
+
+**Foreclosure Assistance Offers** – Fraudsters take advantage of homeowners in danger of defaulting on mortgage loans with false promises of saving their homes, for example, by transferring a deed or putting a property in the name of an investor. A fraudster can then sell the property and retain the proceeds, leaving the borrower’s home to go into foreclosure.
diff --git a/chunks/txt/c678dc5cc8f2c07e064d07d0cca4665bad1e7321ca153518641870220492d91b.txt b/chunks/txt/c678dc5cc8f2c07e064d07d0cca4665bad1e7321ca153518641870220492d91b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..00062a6e0d78557a1d9a1d8e14834672a224bbed
--- /dev/null
+++ b/chunks/txt/c678dc5cc8f2c07e064d07d0cca4665bad1e7321ca153518641870220492d91b.txt
@@ -0,0 +1,96 @@
+3. CLOSING AGENT
+
+If the Closing Agent has a license issued by a jurisdiction or professional organization, the data point LicenseIdentifier with
+
+license number must be delivered.
+
+N O T E : The following optional license data points and attribute have been removed from UCD v2.0:
+LicenseAuthorityLevelType, IdentifierOwnerURI, LicenseIssueDate, LicenseIssuingAuthorityName and
+LicenseIssuingAuthorityStateCode.
+
+UCD v2.0 Implementation Guide
+
+- 136 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Figure 114. XML Snippet of Required Parties to the Transaction.
+
+<MESSAGE>
+…
+ <DEAL>
+
+<PARTIES>
+<!-- Borrower -->
+ <PARTY>
+
+<INDIVIDUAL>
+ <NAME>
+
+<FirstName>Michael</FirstName>
+ <LastName>Jones</LastName>
+
+</NAME>
+ </INDIVIDUAL>
+ <ADDRESSES>
+ <ADDRESS>
+
+<AddressLineText>123 Anywhere Street</AddressLineText>
+ <AddressType>Mailing</AddressType>
+ <CityName>Anytown</CityName>
+ <CountryCode>US</CountryCode>
+ <PostalCode>12345</PostalCode>
+ <StateCode>ST</StateCode>
+
+</ADDRESS>
+ </ADDRESSES>
+ <ROLES>
+ <ROLE>
+
+<ROLE_DETAIL>
+
+<PartyRoleType>Borrower</PartyRoleType>
+
+</ROLE_DETAIL>
+
+</ROLE>
+ </ROLES>
+
+</PARTY>
+
+<!-- Individual contact for NotePayTo -->
+
+<PARTY>
+
+<INDIVIDUAL>
+
+<CONTACT_POINTS>
+ <CONTACT_POINT>
+
+<CONTACT_POINT_EMAIL>
+
+<ContactPointEmailValue>joe_smith@ficusbank.com</ContactPointEmailValue>
+
+</CONTACT_POINT_EMAIL>
+
+</CONTACT_POINT>
+ <CONTACT_POINT>
+
+<CONTACT_POINT_TELEPHONE>
+
+<ContactPointTelephoneValue>1234567890</ContactPointTelephoneValue>
+
+</CONTACT_POINT_TELEPHONE>
+
+</CONTACT_POINT>
+ </CONTACT_POINTS>
+
+UCD v2.0 Implementation Guide
+
+- 137 -
+
+Version 1.0
diff --git a/chunks/txt/c6826dbc5d73a451cdddb681248f0979baccb6cfa4f1e6476765edb5635da69d.txt b/chunks/txt/c6826dbc5d73a451cdddb681248f0979baccb6cfa4f1e6476765edb5635da69d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..abc5276d0c2edc071586e101ade1220218415261
--- /dev/null
+++ b/chunks/txt/c6826dbc5d73a451cdddb681248f0979baccb6cfa4f1e6476765edb5635da69d.txt
@@ -0,0 +1,38 @@
+- ## Agreements
+
+List of settlement agreements from 2016 between FHFA and individuals from the Federal Home Loan Bank of Dallas, Texas. The terms of these agreements eliminated the need for administrative proceedings by FHFA.
+
+[Read more](/supervision/legal-documents/agreements)
+
+- ## Opinions
+
+Collection of written statements (1990-2005) advising on interpretations of law, regulation, or policy.
+
+[Read more](/supervision/legal-documents/opinions)
+
+- ## Regulatory Interpretations
+
+Compilation of agency guidance (1998 - Present) concerning the application of a statute or regulation to a particular supervisory issue; not legally binding but entitled to judicial deference.
+
+[Read more](/supervision/legal-documents/regulatory-interpretations)
+
+- ## Suspensions
+
+Directory of individuals or entities currently suspended under the Suspended Counterparty Program.
+
+FHFA established the **[Suspended Counterparty Program](/regulation/suspended-counterparty-program)​** to help address the risk to Fannie Mae, Freddie Mac, and the Federal Home Loan Banks (“the regulated entities”) presented by individuals and entities with a history of fraud or other financial misconduct. Under this program, FHFA may issue orders suspending an individual or entity from doing business with the regulated entities.​
+
+[Read more](/regulation/suspended-counterparty-program)
+
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/c6878c65ea18dc5149c3e8973e6a91762927ef4196276b68a70431cf30d32a8a.txt b/chunks/txt/c6878c65ea18dc5149c3e8973e6a91762927ef4196276b68a70431cf30d32a8a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..28f8782483aa6aedcb17fb5139a693b2fbfd8df9
--- /dev/null
+++ b/chunks/txt/c6878c65ea18dc5149c3e8973e6a91762927ef4196276b68a70431cf30d32a8a.txt
@@ -0,0 +1,34 @@
+Fannie Mae and Freddie Mac
+
+Uniform Appraisal Dataset Specification
+
+Appendix D: Field-Specific Standardization Requirements
+
+Document Version 1.7
+
+Version Date: February 3, 2022
+
+This specification relates to the Uniform Mortgage Data Program, an effort
+undertaken jointly by Freddie Mac and Fannie Mae at the direction of their
+regulator, the Federal Housing Finance Agency.
+
+Please be advised that use of this tool to change the data sort or content of data from the Uniform Appraisal Dataset
+Specification (UAD Specification) could result in inaccurate information. Users should always refer back to the
+UAD Specification as the true and complete source of information for the UAD.
+
+Page 1 of 68
+
+Appendix A: GSE Appraisal Forms Mapping
+
+Document Version 1.5
+
+© 2022 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.
+
+Contents
+
+Uniform Appraisal Dataset Specification .................................................................................................................. 1
+Contents ........................................................................................................................................................................ 2
+Document Version and Revision History ................................................................................................................... 2
diff --git a/chunks/txt/c692b56b7877a924eeb7d19bef85db9a77fdc5f50ec78716265ac03ae5a9ce14.txt b/chunks/txt/c692b56b7877a924eeb7d19bef85db9a77fdc5f50ec78716265ac03ae5a9ce14.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b952268cc2c0ee9ed31714cd1070dc4ff8451abc
--- /dev/null
+++ b/chunks/txt/c692b56b7877a924eeb7d19bef85db9a77fdc5f50ec78716265ac03ae5a9ce14.txt
@@ -0,0 +1,98 @@
+12
+
+Enumerated
+
+Allowable Values PDF Display
+WalkOut wo
+WalkUp wu
+InteriorOnly in
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+
+10
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+438
+
+3
+
+e-21
+
+SALES
+COMPARISON
+APPROACH
+
+Rooms Below Grade
+(Line 2)
+
+GSE Below Grade
+Recreation Room
+Count
+
+The number of recreation rooms below
+grade.
+
+439
+
+3
+
+e-22
+
+SALES
+COMPARISON
+APPROACH
+
+Rooms Below Grade
+(Line 2)
+
+GSE Below Grade
+Bedroom Room
+Count
+
+The number of bedrooms below grade.
+
+440
+
+3
+
+e-23
+
+SALES
+COMPARISON
+APPROACH
+
+Rooms Below Grade
+(Line 2)
+
+GSE Below Grade
+Bathroom Room
+Count
+
+The number of bathrooms below grade.
+
+/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/@GSEBelowGradeRecreationRoomCount
+
+/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/@GSEBelowGradeBedroomRoomCount
+
+/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/@GSEBelowGradeBathroomRoomCount
diff --git a/chunks/txt/c69943ac0de16264b93ded8eae891622570e47f2e48ce5518ca1155cb8e55cde.txt b/chunks/txt/c69943ac0de16264b93ded8eae891622570e47f2e48ce5518ca1155cb8e55cde.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b8e8385f0be514afd31a1ae7185e713080c71f86
--- /dev/null
+++ b/chunks/txt/c69943ac0de16264b93ded8eae891622570e47f2e48ce5518ca1155cb8e55cde.txt
@@ -0,0 +1,3 @@
+Reconciliation Exhibits.............................................................................................................................................................................................................. 357
+
+27 Revision History .............................................................................................................................................................................................................................. 358
diff --git a/chunks/txt/c6aa7225d81a886df96d2875a2e7b85b4294abf528cb960e493056bf08114625.txt b/chunks/txt/c6aa7225d81a886df96d2875a2e7b85b4294abf528cb960e493056bf08114625.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7f4aa319d4bcaae01e4c2cdb9b7037375225ffb4
--- /dev/null
+++ b/chunks/txt/c6aa7225d81a886df96d2875a2e7b85b4294abf528cb960e493056bf08114625.txt
@@ -0,0 +1,87 @@
+2. Multifamily Data Field 16:
+Affordability Category
+
+This data field identifies loans
+
+purchased by an Enterprise secured by
+multifamily properties having a mix of
+other affordable units such that those
+units in the property affordable at more
+than 60 percent but at or below 80
+percent of AMI received credit under
+the pre-HERA special affordable
+housing goal regardless of property
+location. Specifically, category 1 of the
+data field specifies: >=20% are
+especially-low-income, and <40% are
+very-low-income. Prior to HERA, the
+term ‘‘especially-low-income’’ was
+defined by regulation as 50 percent or
+less of AMI. See 24 CFR 81.17(d),
+81.18(d), 81.19(d). The term ‘‘very-low-
+income’’ was defined in the Safety and
+
+VerDate Mar<15>2010 18:20 Sep 27, 2011 Jkt 223001 PO 00000 Frm 00039 Fmt 4703 Sfmt 4703 E:\FR\FM\28SEN1.SGM 28SEN1
+
+I
+
+S
+E
+C
+T
+O
+N
+h
+t
+i
+
+w
+D
+O
+R
+P
+1
+N
+V
+T
+P
+S
+5
+K
+S
+D
+n
+o
+
+s
+t
+r
+e
+b
+o
+r
+s
+
+60036
+
+Federal Register / Vol. 76, No. 188 / Wednesday, September 28, 2011 / Notices
+
+Soundness Act as 60 percent or less of
+AMI. The mix of units at or below 50
+percent or 60 percent of AMI also
+indicates that a property may be eligible
+for Low-Income Housing Tax Credits
+(LIHTC). The affordability category of
+‘‘50 percent or less of AMI’’ previously
+referred to as ‘‘especially low-income’’
+was redefined by HERA as ‘‘very low-
+income.’’ To avoid confusion between
+these terms while at the same time
+maintain the affordability definitions for
+the purpose of identifying properties
+that may be eligible for LIHTC, FHFA
+has revised category 1 as follows: 1=
+>=20% of the units in the property are
+affordable at or below 50% of AMI, and
+<40% are affordable at or below 60%
+AMI.
diff --git a/chunks/txt/c6ad70aec3a64c4e34328d5456c7d146835d8f243b393272d5c1dcf2bd91d145.txt b/chunks/txt/c6ad70aec3a64c4e34328d5456c7d146835d8f243b393272d5c1dcf2bd91d145.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8c00f294a088d5af5c33a7c9582dbb4c0018be10
--- /dev/null
+++ b/chunks/txt/c6ad70aec3a64c4e34328d5456c7d146835d8f243b393272d5c1dcf2bd91d145.txt
@@ -0,0 +1,131 @@
+A free form text field used to further
+describe the property feature which is
+identified by Sales Price Adjustment
+Type. (i.e. Location, Condition, etc.)
+
+The dollar amount of the adjustment
+applied to the sale price for the property
+feature identified by Sale Price
+Adjustment Type.
+
+328
+
+329
+
+330
+
+331
+
+332
+
+333
+
+334
+
+335
+
+336
+
+337
+
+338
+
+339
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+84
+
+85
+
+86
+
+87
+
+88
+
+89
+
+90
+
+91
+
+92
+
+93
+
+94
+
+95
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL
+E_PRICE_ADJUSTMENT[@_Type=‘BasementFinish’]/@_Amount
+
+10
+
+Money
+
+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
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+
+PDF Display Format:
+Whole dollars only.
+
+This field is required if the value of field e-19
+(GSE Below Grade Finish Square Feet Number)
+is greater than zero.
+
+The sum of this field 2-84 and fields (2-53, 2-
+55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2-
+71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-86, 2-88, 2-
+90, 2-92, 2-94, 2-96, 2-98, 2-100) must add up
+to Net Adjustment field 2-103.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL
+E_PRICE_ADJUSTMENT[@_Type=‘FunctionalUtility’]/@_Description
+
+20
+
+String
+
+This is a free text field which should describe the functional utility.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL
+E_PRICE_ADJUSTMENT[@_Type=‘FunctionalUtility’]/@_Amount
diff --git a/chunks/txt/c6b2076d96ca54a0c9161e50f44d8ea302a89d912a6c2acd28ba90913afdbf84.txt b/chunks/txt/c6b2076d96ca54a0c9161e50f44d8ea302a89d912a6c2acd28ba90913afdbf84.txt
new file mode 100644
index 0000000000000000000000000000000000000000..23dc695bf5d56549e45e6bca80a008c38b8eb853
--- /dev/null
+++ b/chunks/txt/c6b2076d96ca54a0c9161e50f44d8ea302a89d912a6c2acd28ba90913afdbf84.txt
@@ -0,0 +1,32 @@
+5.12.1. Actions Taken by the GSEs
+An extension MISMO schema was created to facilitate the provision of new ULDD data points until
+ULDD can be transitioned to a more current MISMO version. The extension file is named
+ULDD_Phase_3_Extension.xsd, and can be invoked by specifying the ULDD namespace in the
+prolog (header) of any Loan Delivery XML submission file.
+
+The ULDD_Phase_3_Extension file contains four new Extension containers:
+LOAN_IDENTIFIER_EXTENSION,
+
+© 2018 Fannie Mae. Trademarks of Fannie Mae.
+
+June 2018 | 19 of 22
+
+GOVERNMENT_MONITORING_DETAIL_EXTENSION,
+GOVERNMENT_MONITORING_EXTENSION, and HMDA_RACE_EXTENSION
+
+Figure 4 - Extension Containers leveraging “Other” container
+
+5.12.2. How to invoke the ULDD extension
+ULDD Customers will need to specify a namespace in their XML submission files that applies to
+both schemas, MISMO 3.0 and the ULDD extended schema. This solution will impact ULDD
+customers when they use the data points included in the Extension containers. An example is
+provided below which illustrates the necessary modifications to the submission file prolog:
+
+Figure 5 – Updated header to include extension xsd.
+
+5.12.3. Declaring Data Points from Extended Containers
+In order to invoke the data points or enumerations within the extended containers, customers will
+declare a container under the OTHER container structure. The containers and data points under
+the OTHER structure will follow a hierarchy in alphabetic order that is consistent across the MISMO
+model. The following example illustrates the use of data points under the
+HMDA_RACE_EXTENSION container:
diff --git a/chunks/txt/c6b432bd409539d9b0776deffa767575b8c0ce52d5e3dc2bb4e74fd19f44c10f.txt b/chunks/txt/c6b432bd409539d9b0776deffa767575b8c0ce52d5e3dc2bb4e74fd19f44c10f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3712142460b3d8871ce68a44cf6b140cb5987bdb
--- /dev/null
+++ b/chunks/txt/c6b432bd409539d9b0776deffa767575b8c0ce52d5e3dc2bb4e74fd19f44c10f.txt
@@ -0,0 +1,54 @@
+Definition
+Year Loan Was Reported
+Unique Record ID (not actual loan number)
+Name of Federal Home Loan Bank District
+2 Digit FIPS State Code
+3 Digit FIPS County Code
+The Property's Five Digit numeric CBSA; 99999 if
+state/county/tract combo is not in a CBSA or MSA
+The property's Census Tract of Block Numbering Area
+(BNA)
+The percentage of the property's census tract
+population that is minority.
+The property's census tract median family income.
+The property's median income for the area based on
+the most recent decennial census.
+The total monthly qualifying income used for
+underwriting in whole dollars for all borrowers on the
+loan.
+Current median income for a family of four for the area
+as established by HUD
+The Amount of unpaid principal balance in whole
+dollars when acquired by the FHLBank.
+The loan-to-value ratio of the mortgage at time of
+origination.
+Year the mortgage was originated.
+Year the mortgage was acquired.
+Purpose of Loan: 1 = Purchase, 2 = No-Cash Out
+Refinancing, 3 = Second Mortgage, 4 = New
+Construction, 5 = Rehabilitation or Home
+Improvement, 6 = Cash-out Refinancing, 7 = Other
+Product type of Mortgage: 01=Fixed Rate, 02=ARM,
+03=No Longer in Use, 04=GPM/GEM, 05=Reverse
+Annuity Mortgage, 06=Other, 07-98=Reserved for
+future use
+Type of Mortgage and whether the mortgage is
+guaranteed: 0=Conventional, 1=FHA, 2=VA, 3=USDA
+Rural Housing-FSA Guaranteed, 4=HECMs, 5=Title1-
+FHA
+Term of the Mortgage in Months
+For Amortizing Mortgages, term of amortization in
+months; 998 if non-amortizing loan
+Type of Institution from which the FHLBank acquired
+the mortgage. 01=Insured depository institution,
+02=Housing Associate, 03=Insurance Company, 04=Non-
+Federally Insured CU, 05=Non-Depository CDFI,
+06=Other FHLBank, 09=Other
+Number of Borrowers
+Numeric code indicating whether borrower
+Numeric code indicating the race of the Borrower.
+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
+by Borrower, 7=Not Applicable (First or primary
+borrower is an institution, corporation or partnership)
diff --git a/chunks/txt/c6bbbde1b0b516039c24238e65e6579738d7afccb84b9260b2274212bb10b5a5.txt b/chunks/txt/c6bbbde1b0b516039c24238e65e6579738d7afccb84b9260b2274212bb10b5a5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..57e12a68acb219c3e22097a70d7ac763986e5197
--- /dev/null
+++ b/chunks/txt/c6bbbde1b0b516039c24238e65e6579738d7afccb84b9260b2274212bb10b5a5.txt
@@ -0,0 +1,26 @@
+Apparent Defects, Damages, Deficiencies
+
+None
+
+Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 22 of 24
+Page 22 of 24
+
+This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of
+assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions
+and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis
+necessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the
+certifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material
+alterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an
+appraisal organization, are permitted.
+
+Scope of Work
+
+The scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users,
+the intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the
+applicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject
+property; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property
+reported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report.
diff --git a/chunks/txt/c6cada58380f6e026c094fdfa97ed109587522b7b27cfedf9f27ab678d7f4b6c.txt b/chunks/txt/c6cada58380f6e026c094fdfa97ed109587522b7b27cfedf9f27ab678d7f4b6c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..abb9e835ff885155ced9785235ea8474fc367659
--- /dev/null
+++ b/chunks/txt/c6cada58380f6e026c094fdfa97ed109587522b7b27cfedf9f27ab678d7f4b6c.txt
@@ -0,0 +1,9 @@
+Composite risk scores factor in Expected Annual Losses (EALs) from physical risk, social vulnerability, and community resilience. Hurricane risk in the continental United States is concentrated in the gulf states and the east coast.
+
+## **2022 Acquisitions by the Enterprises and FHLBanks and Hurricane Risk**
+
+Fannie Mae, Freddie Mac, and the FHLBanks acquired 3,838,894[[8]](#ftn8) single-family loans in 2022 for a total of almost $1.2 trillion in acquisition UPB. Fannie Mae and Freddie Mac acquired 8,016 multifamily properties in 2022 for a total of over $133 billion in acquisition UPB.
+
+Stakeholders can use the dashboard to evaluate the distribution of acquisitions by the Enterprises and FHLBanks in 2022 and hurricane risk as defined by the NRI. Figure 1 shows this distribution. Of all single-family loan acquisitions, 5.22 percent ($60.8 billion in UPB) were in very high-risk-tracts, and 7.22 percent ($84.1 billion in UPB) were in relatively-high-risk tracts. Of all acquisitions in Duty to Serve high-needs rural counties, 4.41 percent ($1.02 billion in UPB) were in very-high-risk-tracts and 9.11 percent ($2.11 billion in UPB) were in relatively-high-risk tracts. The concentration of acquisitions in Duty to Serve high-needs rural counties in very-high-risk counties is slightly lower than in overall single-family acquisitions in 2022 (4.41 percent versus 5.22 percent).
+
+Of all multifamily property acquisitions, 4.78 percent ($6.38 billion) were in very high-risk-tracts, and 8.68 percent ($11.59 billion) were in relatively-high-risk tracts. Of all multifamily acquisitions in Duty to Serve high-needs rural counties, 5.87 percent ($0.06 billion) were in very-high-risk-tracts and 15.23 percent ($0.16 billion) were in relatively-high-risk tracts. The concentration of acquisitions in Duty to Serve high-needs rural counties in very-high-risk counties is higher than in overall multifamily acquisitions in 2022 (5.87 percent versus 4.78 percent) but the dollar-value of acquisitions is relatively low in comparison to the overall books of business.
diff --git a/chunks/txt/c6dfb54a29f6b612c817e800c43a2d5b9e5a0f75dea1115b3ea9148ae4befd6a.txt b/chunks/txt/c6dfb54a29f6b612c817e800c43a2d5b9e5a0f75dea1115b3ea9148ae4befd6a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3473656969d5fe3b12ba503baa3662365b145ac7
--- /dev/null
+++ b/chunks/txt/c6dfb54a29f6b612c817e800c43a2d5b9e5a0f75dea1115b3ea9148ae4befd6a.txt
@@ -0,0 +1,23 @@
+Appraisal Update Report UAD 3.6 Compliance Rules
+available on UAD Compliance API
+
+March 27, 2025
+
+In support of the Uniform Appraisal Dataset (UAD) and Forms Redesign initiative, Freddie Mac and Fannie Mae (the
+GSEs) have made available all 102 Restricted Appraisal Update Report UAD 3.6 Compliance Rules via each GSE’s UAD
+Compliance application programming interface (API) as of March 27, 2025. This is in addition to the 709 Uniform
+Residential Appraisal Report (URAR) UAD 3.6 Compliance Rules that were made available in the GSEs’ UAD
+Compliance APIs on December 5, 2024.
+
+The GSEs’ APIs will help ensure users comply with the UAD 3.6 specification and enhance efficiency in the appraisal
+process while reducing the need for appraisal resubmissions to the Uniform Collateral Data Portal® (UCDP®). It does
+this by validating the UAD 3.6 appraisal XML against the UAD 3.6 Compliance Rules for the URAR, and now the
+Restricted Appraisal Update Report, prior to submission to the UCDP. The API will validate that the XML is well-
+formed, will perform a UAD 3.6 schema validation, and will verify conditionality (required, conditionally required,
+etc.), data type, and format.
+
+If you have not already integrated with one or both GSEs’ APIs, please do so to take advantage of the benefits of
+validating your solution’s UAD 3.6 appraisal XML to ensure its compliance with the UAD 3.6 specification.
+
+Please note: to use the GSEs’ APIs in production, you must complete the GSEs’ verification process. You may still use
+the GSEs’ APIs in the customer test environment (CTE) until you have completed verification.
diff --git a/chunks/txt/c707698280dbb773f71dec9580371d7cf62353aa5572e983a2fe6c4990f973ac.txt b/chunks/txt/c707698280dbb773f71dec9580371d7cf62353aa5572e983a2fe6c4990f973ac.txt
new file mode 100644
index 0000000000000000000000000000000000000000..de56238cf7c2b042ae867acc6d3d78ec87a1da49
--- /dev/null
+++ b/chunks/txt/c707698280dbb773f71dec9580371d7cf62353aa5572e983a2fe6c4990f973ac.txt
@@ -0,0 +1,24 @@
+I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all
+
+15.
+statements and information in this appraisal report are true and correct.
+
+I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which
+
+16.
+are subject only to the assumptions and limiting conditions in this appraisal report.
+
+I have no present or prospective interest in the property that is the subject of this report, and I have no present or
+17.
+prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or
+completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital
+status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the
+present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law.
+
+18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not
+conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a
+predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of any
+party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending
+mortgage loan application).
+
+I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I
diff --git a/chunks/txt/c709317162ac1131c5ff11b12168ccf7bf585955cce793962aaac424a1d6b5e9.txt b/chunks/txt/c709317162ac1131c5ff11b12168ccf7bf585955cce793962aaac424a1d6b5e9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..17c02990934a0299d2819cb49c8c38db69b93f31
--- /dev/null
+++ b/chunks/txt/c709317162ac1131c5ff11b12168ccf7bf585955cce793962aaac424a1d6b5e9.txt
@@ -0,0 +1,11 @@
+Sales Comparison Approach Exhibits (H1) .......................................................................................................... 64
+
+Rental Information ........................................................................................................................................ 64
+
+Appendix E: Report Style Guide
+
+Page 8 of 90
+
+Version 1.4
+
+Rent Schedule (H1) ............................................................................................................................................. 64
diff --git a/chunks/txt/c70fd808f9f225a7ed14bb02c33b161ec4f947e8d0f9fa87d3f0ad11c60bd022.txt b/chunks/txt/c70fd808f9f225a7ed14bb02c33b161ec4f947e8d0f9fa87d3f0ad11c60bd022.txt
new file mode 100644
index 0000000000000000000000000000000000000000..85af130ab08665b0ac2d057c7cac391bd8291822
--- /dev/null
+++ b/chunks/txt/c70fd808f9f225a7ed14bb02c33b161ec4f947e8d0f9fa87d3f0ad11c60bd022.txt
@@ -0,0 +1,92 @@
+Yes No
+ 
+ 
+ 
+
+Contract Price
+Contract Date
+Transfer Terms
+Personal Property Conveyed
+
+$765,000
+08/20/2019
+Typically Motivated
+No
+
+Appraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 4 (SF4)
+
+Uniform Residential Appraisal Report
+
+Page 15 of 22
+Page 15 of 22
+
+Sales Contract (continued)
+
+Financial Sales Concessions
+
+Financial assistance paid by or on behalf of the seller as an inducement to purchase the subject property
+
+Known Sales Concessions
+
+No
+
+Sales Contract Analysis
+
+Sales contract is a reasonable and a typical arm’s length sale. A fully executed copy of the contract was provided by the lender and anlayzed by
+the appraiser.
+
+Prior Sale and Transfer History
+
+Subject Transfer History
+
+Prior sales and/or transfers of the subject property (minimum 3 year look back)
+Transfer Terms
+Typically Motivated
+
+Date
+01/24/2013
+
+Amount
+$600,000
+
+Data Source
+MLS
+
+Analysis of Prior Sale and Transfer History of Subject Property Since the prior sale, the kitchen has been updated with new counter tops,
+new appliances, and new lighting fixtures. And the primary bathroom on the first floor was fully updated and upgraded.
+
+Comparable Transfer History
+
+Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)
+#
+1
+
+Transfer Terms
+Typically Motivated
+
+Data Source
+MLS
+
+Date
+02/23/2015
+
+Amount
+$677,250
+
+2
+
+3
+
+Deed Transfer Only
+
+Non-MLS Sale
+
+04/13/2017
+
+04/05/2015
+
+Not Disclosed
+
+Not Disclosed
+
+Assessor Record
diff --git a/chunks/txt/c719f391f0d431e228643dfe498754825e779abde300b17c7b3ac34c679dcff5.txt b/chunks/txt/c719f391f0d431e228643dfe498754825e779abde300b17c7b3ac34c679dcff5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fed9dadb7a6cfb74cf56d408ce5a44694aa03f63
--- /dev/null
+++ b/chunks/txt/c719f391f0d431e228643dfe498754825e779abde300b17c7b3ac34c679dcff5.txt
@@ -0,0 +1,98 @@
+VerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00050 Fmt 4703 Sfmt 4703 E:\FR\FM\15JYN1.SGM 15JYN1
+
+I
+
+S
+E
+C
+T
+O
+N
+h
+t
+i
+
+w
+D
+O
+R
+P
+1
+B
+6
+L
+C
+W
+H
+K
+S
+D
+n
+o
+
+n
+o
+s
+n
+b
+o
+r
+s
+
+i
+
+Federal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices
+
+41189
+
+For the reasons stated with respect to
+the multifamily data elements discussed
+above, FHFA is not requiring the
+Enterprises to collect and report this
+data for inclusion in the PUDB.
+
+D. Single-Family and Multifamily
+Respondent ID and Agency Code
+
+FHFA considered adding new HMDA
+data fields to the PUDB that would have
+designated the identification number
+(respondent ID) assigned by a HMDA-
+reporting lender’s regulatory agency to
+the institution that reported the loan,
+and the code of the regulatory agency
+(agency code) for the HMDA-reporting
+lender that provided the loan to the
+borrower. The Enterprises have not been
+collecting respondent IDs and agency
+codes for their single-family or
+multifamily loan purchases.
+
+Fannie Mae and Freddie Mac opposed
+inclusion in the PUDB of the respondent
+ID and agency code data fields, claiming
+that these are not required HMDA data
+fields, as described in Regulation C
+(citing to 12 CFR 203.4(a)) and,
+therefore, they are not data elements
+required to be reported in the PUDB
+under HERA.
+
+Freddie Mac also asserted that even if
+
+respondent ID and agency code
+constitute data elements under HMDA,
+HMDA reporters that are purchasers are
+not required to report from whom they
+purchased a loan (whether from the
+originator or from another entity).
+Fannie Mae also stated that currently it
+collects and reports to FHFA the type of
+institution that sold the loan to Fannie
+Mae (single-family data field 34 and
+multifamily data field 33), and this data
+is disclosed in the PUDB and provides
+a more specific description than
+revealed by agency code of the type of
+institution from which Fannie Mae
+purchases its loans.
diff --git a/chunks/txt/c72079e67f687451e9ad9c617c33ea04790b72c810d3b6e12ac9f88f395a7267.txt b/chunks/txt/c72079e67f687451e9ad9c617c33ea04790b72c810d3b6e12ac9f88f395a7267.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f27c202d44b6eea78733465778b184939a6333fc
--- /dev/null
+++ b/chunks/txt/c72079e67f687451e9ad9c617c33ea04790b72c810d3b6e12ac9f88f395a7267.txt
@@ -0,0 +1,151 @@
+Appraiser-specified value
+indication of the subject
+property, using the Cost
+Approach only.
+
+Numeric
+
+$5,000 to
+$1,705,000
+
+Appraisal Form
+Section
+
+Notes
+
+Reconciliation
+
+Disclosure
+Avoidance
+Method
+areas; using
+intervals of
+$10,000,
+disclosed the
+midpoint value
+for the interval
+into which the
+reported value
+falls. For
+example, for a
+reported value of
+$117,835,
+disclosed as
+$115,000
+because it is the
+midpoint
+between
+$110,000 and
+$120,000.
+
+Top coded to
+$1.7 million for
+high-cost areas
+and $720,000 for
+non-high-cost
+areas; using
+intervals of
+$10,000,
+disclosed the
+midpoint value
+for the interval
+
+Federal Housing Finance Agency
+
+13
+
+Field Name
+
+Short Description
+
+Definition
+
+Format
+
+Allowable
+Values
+
+UAD PUF Version 2.1 Data Dictionary
+
+value_income
+
+Value by Income
+Approach
+
+Appraiser-specified value
+indication of the subject
+property, using the Income
+Approach only.
+
+Numeric
+
+$5,000 to
+$1,705,000
+
+Appraisal Form
+Section
+
+Notes
+
+Reconciliation
+
+Disclosure
+Avoidance
+Method
+into which the
+reported value
+falls. For
+example, for a
+reported value of
+$117,835,
+disclosed as
+$115,000
+because it is the
+midpoint
+between
+$110,000 and
+$120,000.
+
+Top coded to
+$1.7 million for
+high-cost areas
+and $720,000 for
+non-high-cost
+areas; using
+intervals of
+$10,000,
+disclosed the
+midpoint value
+for the interval
+into which the
+reported value
+falls. For
+example, for a
+reported value of
+$117,835,
+
+Federal Housing Finance Agency
+
+14
+
+Field Name
+
+Short Description
+
+Definition
+
+Format
+
+Allowable
+Values
+
+UAD PUF Version 2.1 Data Dictionary
+
+appraised_value
+
+Appraised Value
+
+Appraiser-specified value
+indication of the subject
+property, reconciling all
+approaches to value.
diff --git a/chunks/txt/c72d3a0ef443d6ae26d05f6600203e2a7faa9bb0a6761b6bd6688b51634c13fb.txt b/chunks/txt/c72d3a0ef443d6ae26d05f6600203e2a7faa9bb0a6761b6bd6688b51634c13fb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8ce801e39effcd557d607b008c83620686a6003a
--- /dev/null
+++ b/chunks/txt/c72d3a0ef443d6ae26d05f6600203e2a7faa9bb0a6761b6bd6688b51634c13fb.txt
@@ -0,0 +1,3 @@
+Unit Interior – Arcrole Relationships ........................................................................................................................................................................................ 197
+
+11 Functional Obsolescence ................................................................................................................................................................................................................. 200
diff --git a/chunks/txt/c75911cd78020353f6577aa4ef2ba4688b11ee8214c95ead61851f43dcb9f91a.txt b/chunks/txt/c75911cd78020353f6577aa4ef2ba4688b11ee8214c95ead61851f43dcb9f91a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ae72375fa2f891a3e254f549422efe9836b7aa39
--- /dev/null
+++ b/chunks/txt/c75911cd78020353f6577aa4ef2ba4688b11ee8214c95ead61851f43dcb9f91a.txt
@@ -0,0 +1,42 @@
+• must be consistently developed for the subject property and all comparables used in the appraisal;
+• must include all finished above-grade and below-grade living areas, counting all interior common areas such as
+
+stairways, hallways, storage rooms; and
+cannot count unfinished area(s) or exterior common areas, such as open stairways.
+
+•
+
+Fannie Mae will accept the use of other comparisons for two- to four-unit properties, such as the total above-grade and below-
+grade areas discussed in Above- and Below-Grade Area(s), provided the appraiser
+
+•
+•
+
+explains the reasons they did not use a gross building finished area comparison, and
+clearly describes the comparisons that were made.
+
+Accessory Dwelling Units
+
+An ADU is generally an additional living area independent of the primary dwelling that may have been added to, created within, or
+detached from the primary dwelling. The ADU must have basic requirements for living, sleeping, cooking, and bathroom facilities
+on the same parcel as the primary dwelling. See SB2-3-04, Special Property Eligibility Considerations, for complete ADU eligibility
+requirements.
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 84 of 166
+
+UAD 3.6 Policy
+
+When reporting the living area of an ADU, it should not be included with the finished above-grade square footage calculation of
+the primary dwelling. If an outbuilding does not meet the ADU minimum requirements, it should be treated as any other ancillary
+outbuilding and included separately in the sales comparison approach then adjusted based on its contributory value to the
+subject property.
+
+Whether a property is defined as a one-unit property with an ADU(s) or a two- to four-unit property will be based on the
+characteristics of the property, which may include, but are not limited to, the existence of separate utility meter(s), a unique
+postal address, and whether the unit can be legally rented. The appraiser must determine compliance with this definition as part
+of the analysis in the Highest and Best Use section of the appraisal report. When there is an ADU(s), the appraisal report must
+include a description of the ADU(s) and include an analysis of any effects the ADU(s) has on the value or marketability of the
+subject property. The appraisal report must demonstrate that the improvements are acceptable for the market. An aged, settled
+sale will qualify as a comparable, and an active listing or under contract sale will qualify as a supplemental exhibit to show
+marketability.
diff --git a/chunks/txt/c75927a101a8611b9656e8d73db8349bb18b277ed28aaf46ad65beba6d6a2ae1.txt b/chunks/txt/c75927a101a8611b9656e8d73db8349bb18b277ed28aaf46ad65beba6d6a2ae1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ab654f19485ca3e423bfc8342c161f257f2df689
--- /dev/null
+++ b/chunks/txt/c75927a101a8611b9656e8d73db8349bb18b277ed28aaf46ad65beba6d6a2ae1.txt
@@ -0,0 +1,44 @@
+section 1302 provides that all HUD regulations
+‘‘shall remain in effect . . . until modified,
+terminated, set aside, or superseded’’ by FHFA. 12
+U.S.C. 4511 note. Because FHFA has not yet
+adopted its own regulation governing the PUDB,
+FHFA administers the PUDB under the HUD
+regulation’s general standards and procedures and
+FHFA Orders applying them to the data published
+in the PUDB.
+
+2 The Enterprise PUDBs are available on FHFA’s
+
+website at https://www.fhfa.gov/DataTools/
+Downloads/Pages/Public-Use-Databases.aspx. HUD
+continues to host the pre-HERA PUDB datasets at
+https://www.huduser.gov/portal/datasets/gse.html.
+3 The matrices for the PUDB prior to this revision
+
+are published at 76 FR at 60037–60046. The
+updated matrices have been published on the FHFA
+website at the link indicated in the SUMMARY above.
+The data dictionaries will also be published on the
+FHFA website.
+
+4 The Safety and Soundness Act requires the
+
+PUDB to include data submitted by the Enterprises
+to FHFA in the mortgage reports required under the
+Federal National Mortgage Association Charter Act,
+12 U.S.C. 1723a(m), and the Federal Home Loan
+Mortgage Corporation Act, 12 U.S.C. 1456(e)
+(Charter Acts). 12 U.S.C. 4543(a)(1). These mortgage
+reports and the PUDB are required to include the
+same data elements required to be reported under
+HMDA, 12 U.S.C. 2801 et seq., subject to the
+privacy considerations in 12 U.S.C. 2803(j). 12
+U.S.C. 4543(a)(2), 4546(d)(1).
+
+5 12 U.S.C. 4543(a)(2). ‘‘Census tract level’’ means
+
+that the mortgage data is disclosed in individual
+loan records, which include the census tract
+location of the mortgaged property as a geographic
+identifier.
diff --git a/chunks/txt/c76baecc3def2e6a02665e2f033fc81087c697f2732266e2a5b7e0a25d431d2e.txt b/chunks/txt/c76baecc3def2e6a02665e2f033fc81087c697f2732266e2a5b7e0a25d431d2e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0930d24341739ee5d28b924d9b0905904a49b5dd
--- /dev/null
+++ b/chunks/txt/c76baecc3def2e6a02665e2f033fc81087c697f2732266e2a5b7e0a25d431d2e.txt
@@ -0,0 +1,34 @@
+Special assessment districts that are established to serve newly developing subdivisions with utilities often base their financial
+plans and the amount of the assessment to be charged to each property owner on the expected number of properties in the area
+to be served. The district then depends on the continuation of development to maintain its budget expectations. If, for any
+reason, development stops short of the degree of development that the district anticipated in preparing its budget, the district
+can become financially distressed and may need to impose an additional assessment on the existing homeowners.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 119 of 166
+
+UAD 3.6 Policy
+
+Appraisal Requirements for Properties Located in Special Assessment Districts
+
+For properties located in special assessment districts, the appraiser must
+
+•
+
+report any special assessments that affect the property in the Subject Property section of the Uniform Residential
+Appraisal Report (URAR);
+
+• note in the appraisal report if the special assessment district is experiencing financial difficulty; and
+•
+analyze the impact the special assessment has on the value or marketability of the subject property.
+
+To ensure the market’s reaction to potential liabilities within a financially troubled special assessment district is accurately
+reflected in their analysis, appraisers must consider current and expired listings, properties for sale, pending contract sales, and
+recently closed sales within the district.
+
+There may be some instances in which the financial difficulty of a special assessment district is so severe that its actual effect on
+the value and marketability of a property is not measurable because there is no comparable market data available to enable the
+appraiser to arrive at a reliable opinion of market value. When this is the case, a loan secured by a property in that district will not
+be eligible for sale to Fannie Mae until such time that an active market develops that will enable the appraiser to demonstrate the
+value and marketability of the subject property.
diff --git a/chunks/txt/c775c86831b8a4cc8b1adac5f9103c0653876e4977337992053bdf58322b3996.txt b/chunks/txt/c775c86831b8a4cc8b1adac5f9103c0653876e4977337992053bdf58322b3996.txt
new file mode 100644
index 0000000000000000000000000000000000000000..74d332353521b611f0ff3e223771604512c6024e
--- /dev/null
+++ b/chunks/txt/c775c86831b8a4cc8b1adac5f9103c0653876e4977337992053bdf58322b3996.txt
@@ -0,0 +1,209 @@
+Bedroom
+
+Dining Area
+
+\\Images\MH1_DiningRoom.png
+
+image/png
+
+LevelOne
+
+DiningRoom
+
+Bath 1
+
+\\Images\MH1_PrimaryBath.png
+
+image/png
+
+LevelOne
+
+NewOrLikeNew
+
+Upgraded cabinets and fixtures
+
+FullBathroom
+
+LessThanOneYear
+
+FullyUpdated
+
+Bath 2
+
+\\Images\MH1_SecondaryBath.png
+
+image/png
+
+LevelOne
+
+NewOrLikeNew
+
+Upgraded cabinets and fixtures
+
+FullBathroom
+
+LessThanOneYear
+
+FullyUpdated
+
+\\Images\MH1_Kitchen.png
+
+image/png
+
+LevelOne
+
+NewOrLikeNew
+
+Upgraded counter tops, cabinets, and fixtures
+
+Formica Countertops | Vinyl Floor
+
+Kitchen
+
+LessThanOneYear
+
+FullyUpdated
+
+\\Images\MH1_LivingRoom.png
+
+image/png
+
+LevelOne
+
+LivingRoom
+
+\\Images\MH1_UtilityRoom.png
+
+image/png
+
+LevelOne
+
+UtilityRoom
+
+Ranch
+
+Manufactured
+
+Subject Property dwelling is a new manufactured home.
+
+0
+
+45
+
+Vinyl
+
+NewOrLikeNew
+
+Standard building plans and materials
+
+ExteriorWallsAndTrim
+
+PouredConcrete
+
+CrawlSpace
+
+Other
+
+Pier with Tie Down
+
+Foundation is a new poured concrete footing to support piers.
+
+NewOrLikeNew
+
+Foundation
+
+LessThanOneYear
+
+true
+
+Composition
+
+NewOrLikeNew
+
+30 year composition shingle
+
+Roof
+
+NewOrLikeNew
+
+Insulated
+
+Windows
+
+Vinyl
+
+C1
+
+Q4
+
+ThreeToFourFeet
+
+1
+
+Subject is a newly installed manufactured home.
+
+Centralized
+
+Electric
+
+ForcedWarmAir
+
+false
+
+false
+
+false
+
+Outbuilding
+
+false
+
+true
+
+Other
+
+Rec Room/Garage
+
+RecreationRoom
+
+1
+
+HalfBathroom
+
+0
+
+Electricity
+
+0
+
+900
+
+200
+
+0
+
+This structure is an existing older, detached garage. 200 Sq. Ft. enclosed and finished space being used as a recreation room.
+
+false
+
+false
+
+Outbuilding
+
+true
+
+true
+
+Barn
+
+None
+
+0
+
+800
+
+0
+
+800
+
+This structure is an existing older barn.
diff --git a/chunks/txt/c77609e1feceae35bd0ed96e220eaa32a07b4a2dc1cd871940226ab713a2a991.txt b/chunks/txt/c77609e1feceae35bd0ed96e220eaa32a07b4a2dc1cd871940226ab713a2a991.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e39d733b30b6effb1e2f28b7a0360afadad65c73
--- /dev/null
+++ b/chunks/txt/c77609e1feceae35bd0ed96e220eaa32a07b4a2dc1cd871940226ab713a2a991.txt
@@ -0,0 +1,25 @@
+Intended Use
+
+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.
+
+Intended User
+
+The intended user of this report is the lender/client.
+
+Definition of Market Value
+
+The most probable price that a property should bring in a competitive and open market under all conditions requisite to a fair sale with the
+buyer and seller each acting prudently and knowledgeably, and assuming the price is not affected by undue stimulus. Implicit in this definition is
+the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller are
+typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best interest;
+(3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U.S. dollars or in terms of financial
+arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special or creative
+financing or sales concessions* granted by anyone associated with the sale.
+
+*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for costs that are normally
+paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable because the seller pays these costs in virtually all sales
+transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third-party
+institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar-for-dollar cost
+of the financing or concession, but the dollar amount of any adjustment should approximate the market’s reaction to the financing or concessions based on the
+appraiser’s judgment.
diff --git a/chunks/txt/c781906f898ce41b84bd39d1dadf3cfb20d7bcb30c381b0ce52ee5cb803a1cbb.txt b/chunks/txt/c781906f898ce41b84bd39d1dadf3cfb20d7bcb30c381b0ce52ee5cb803a1cbb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e53bec7109500522a463a10f4b4c6ab4dbba1c50
--- /dev/null
+++ b/chunks/txt/c781906f898ce41b84bd39d1dadf3cfb20d7bcb30c381b0ce52ee5cb803a1cbb.txt
@@ -0,0 +1,31 @@
+21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided
+significant real property appraisal assistance.
+
+22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is
+unauthorized and I will take no responsibility for it.
+
+Appraiser Reference ID SRO-123345Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2)
+
+Uniform Residential Appraisal Report
+
+Page 20 of 20
+
+Certifications (continued)
+
+23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will
+receive this appraisal report.
+
+24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject
+to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that
+pertain to disclosure or distribution by me.
+
+25. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the
+mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data
+collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any
+state, the District of Columbia, or other jurisdictions. Any of the foregoing persons or entities who receive this appraisal report may choose to
+store, copy, reproduce, analyze, use and distribute the data in the appraisal report for internal or external purposes without having to obtain
+the appraiser’s or supervisory appraiser’s (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or
+distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). A
+person or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as
+an intended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to
+the mortgage finance transaction and related activities for which this appraisal report was prepared.