Add files using upload-large-folder tool

chunks/json/0cea505720313153e9b4398132411ce609b98c06fc60b75b7eb66ac87d0dba4e.json

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chunks/json/0d02e4405932d7509a4294d78950470405a71e5a33ee2d2a0505aa5549eb7451.json

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chunks/json/0d2a9699b06de7e445e72c15f3929e4b6189c7ee9f3efe24708701df31654864.json

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chunks/json/0d3edd75efd848257a285ea7d1fafe8720a096ec0de7d90905e6da9aec705d4e.json

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chunks/json/0d4557cbc81fe329c00c7e6a5f1241b57fe620ab13879b85b421f7de5e6a63c2.json

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+{"chunk":{"char_end":15686,"char_start":13457,"chunk_id":"chk_f5da484b8202bd91","chunk_index":7,"chunk_sha256":"0d4557cbc81fe329c00c7e6a5f1241b57fe620ab13879b85b421f7de5e6a63c2","date_utc":"2026-01-27T17:48:00+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f7353ddc84098f76","text_sha256":"0d4557cbc81fe329c00c7e6a5f1241b57fe620ab13879b85b421f7de5e6a63c2","token_estimate":558,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Website_Privacy_Policy___FHFA_m6ybii.md"]},"text":"Please refer to the following policies on Google's website for more information:\n\n- [Google's main privacy policy](http://www.google.com/intl/en/policies/privacy)\n- [Cookies on Websites](https://policies.google.com/technologies/cookies?hl=en)\n- [Opt out of Google Analytics Cookies](https://tools.google.com/dlpage/gaoptout?hl=en)\nYou may opt out of having cookies installed on your machine or device by changing the settings of your browser to disable them. For instructions on how to disable cookies from common browsers, please visit: [https://www.usa.gov/optout-instructions](https://www.usa.gov/optout-instructions).\n\nIf you choose to disable cookies you will continue to have access to FHFA’s website, and you will receive comparable information and services. However, your experience may be different than those who enable cookies.\n\n## 4. If You Send Us Personal Information\n\nWe do not collect personal information for any purpose other than to respond to your inquiries or complaints. Any personally identifiable information (such as name, address, phone number, and email address) that you provide is voluntary.\n\nIf you voluntarily choose to provide us with personal information by filling out a form and submitting it to us through our website, we may use the information to: 1) respond to complaints, appeals, inquires, and requests for information; 2) review and post comments on proposed rules/regulations; 3) review feedback received on FHFA proposed or implemented initiatives; and/or 4) compile a list of potential vendors and contractors. Forms available through FHFA’s website may also assist FHFA and those who will respond to the submitter with consumer issues involving Fannie Mae, Freddie Mac, or the Federal Home Loan Banks. We may share or disclose that information consistent with FHFA's System of Records Notice ([FHFA-22 - Online Forms](https://www.fhfa.gov/regulation/federal-register/privacy-act-system-of-records-notice/2013-n-15)). In some circumstances, including responding to requests from Congress or private individuals, we may be required by law to disclose the information you submit. We do not collect or use your information or create individual profiles for commercial marketing purposes.\n"}

chunks/json/0d47a20c92c08ab6c96523378a176ac1707a9ad6ac184069895ee0cc68349aac.json

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+{"chunk":{"char_end":9742,"char_start":9148,"chunk_id":"chk_ea998a58ec6de7b6","chunk_index":12,"chunk_sha256":"0d47a20c92c08ab6c96523378a176ac1707a9ad6ac184069895ee0cc68349aac","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"0d47a20c92c08ab6c96523378a176ac1707a9ad6ac184069895ee0cc68349aac","token_estimate":450,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"TXC-B – Commentary Text with Bold Intro ......................................................................................................... 23\n\nTXC-B1 – Commentary Text, one column with Bold Intro .................................................................................. 23\n\nTXC-I – Commentary Text Italic .......................................................................................................................... 23\n\nTXC-I1 – Commentary Text Italic, one column ................................................................................................... 23\n"}

chunks/json/0d4c41c9ff6bab758ac4780d2692769e435083dd132e3d536733d622228dacc7.json

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+{"chunk":{"char_end":318905,"char_start":317298,"chunk_id":"chk_0d06e2478f03b0e5","chunk_index":268,"chunk_sha256":"0d4c41c9ff6bab758ac4780d2692769e435083dd132e3d536733d622228dacc7","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"0d4c41c9ff6bab758ac4780d2692769e435083dd132e3d536733d622228dacc7","token_estimate":402,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Page 245\n\n• Condominium - ProjectLegalStructureType (UID: 2500.0168, FID: 18.001)\n• Cooperative - ProjectLegalStructureType (UID: 2500.0168, FID: 18.002)\n• Condop - ProjectLegalStructureType (UID: 2500.0168, FID: 18.003)\n• Planned Unit Development (PUD) - PUDIndicator (UID: 0100.0026, FID: 18.000)\n\nFigure 18 - 1\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nReport\nField ID\n\nReport Label\n\nProject Information: General Information\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nPage 246\n\n18.000 Planned Unit Development (PUD)\n\n0100.0026 PUDIndicator\n\n18.001\n18.002\n18.003\n\nCondominium\nCooperative\nCondop\n\n2500.0168 ProjectLegalStructureType\n\n18.004 Project Name\n\n2500.0065 ProjectName\n\n18.005 Project Information Data Source\n\n0700.0125 DataSourceType\n\nCheckbox always displays. Selection is redisplayed from Subject Property\nsection. When True, box is checked when false, not selected.\nCheckboxes always display. Selection is redisplayed from Subject Property\nsection.\n\n− If Condominium, display Condominium checkbox as \"checked\" and\n\nother checkboxes \"unchecked\".\n\n− If Cooperative, display Cooperative checkbox as \"checked\" and other\n\ncheckboxes \"unchecked\".\n\n− If Condop, display Condop checkbox as \"checked\" and other\n\ncheckboxes \"unchecked\".\n\nDisplay when PropertyInProjectIndicator = \"true\"\nAlways displays\nWhen multiple data sources are provided display as stacked.\nDisplay when PropertyInProjectIndicator = \"true\"\n\n18.006 Total Units\n\n18.007 Units Sold\n\n18.008 Units for Sale\n\n18.009 Units Rented\n\n18.009 Units Rented\n\n2500.0060 ProjectDwellingUnitCount\n\n2500.0064 ProjectDwellingUnitsSoldCount\n"}

chunks/json/0d66f18609781124129ccb9aff9300ee45de9c1b25a7c042c1521760e6749ef1.json

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+{"chunk":{"char_end":33491,"char_start":31750,"chunk_id":"chk_bc8539d2a7cc4a27","chunk_index":19,"chunk_sha256":"0d66f18609781124129ccb9aff9300ee45de9c1b25a7c042c1521760e6749ef1","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"0d66f18609781124129ccb9aff9300ee45de9c1b25a7c042c1521760e6749ef1","token_estimate":435,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"A. Related Resource Guides / Documents:\n\nDocument Name\nFunctioning without Form\nNumbers\n\nUAD 3.6 Messaging Guide\n\nUCDP Overview\n\nDescription\n\nLinks\n\nMaps Legacy Forms to Redesigned Uniform\nResidential Appraisal Report (URAR) Property\nType Characteristics\n\nComprehensive list of findings returned in the\nUAD 3.6 Submission Summary Report\n\nProvides an overview of UCDP functionality,\naccess, registration, learning resources, and\ndata delivery requirements.\n\nFannie Mae\n\nFreddie Mac\n\nFannie Mae\n\nFreddie Mac\n\nFannie Mae\n\nFreddie Mac\n\nUniform Collateral Data\nPortal (UCDP) webpage\n\nOnline source for UCDP resources: portal\naccess, job aids & guides, SSR resources, and\nadministrator reference series.\n\nFannie Mae\n\nFreddie Mac\n\nUniform Appraisal Dataset\n(UAD) webpage\n\nOnline source for UAD resources:\nannouncements, technology documentation,\nindustry guidance, and general learning\nresources.\n\nFannie Mae\n\nFreddie Mac\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal\nHousing Finance Agency.\n\nB. Sample Fannie Mae URAR SSR PDF:\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal\nHousing Finance Agency.\n\nC. Sample Fannie Mae URAR SSR PDF:\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal\nHousing Finance Agency.\n"}

chunks/json/0d6c1e0b6ac48182069249a144235905c98c7b117baa536c3fa725f457a2a12b.json

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+{"chunk":{"char_end":54975,"char_start":53323,"chunk_id":"chk_66d64b491c3c687b","chunk_index":32,"chunk_sha256":"0d6c1e0b6ac48182069249a144235905c98c7b117baa536c3fa725f457a2a12b","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"0d6c1e0b6ac48182069249a144235905c98c7b117baa536c3fa725f457a2a12b","token_estimate":413,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Interior/Exterior Complete Inspection\nReports:\nThe appraiser must provide the following\ninformation:\n\nOverall Condition rating – The appraiser must\nselect one of the following ratings that best\ndescribes the overall condition of the subject\nproperty or unit. For condominium properties,\nthe rating must reflect the overall condition for\nthe individual unit being appraised. Only one\nselection is permitted. The condition rating\nmust describe the physical condition of the\nsubject property as-of the effective date of the\nappraisal on an absolute basis, not on a\nrelative basis or how the property relates to\nother properties in the neighborhood. The\nrating for the subject property must match the\noverall condition rating that is reported in the\nSales Comparison Analysis section.\n\n• C1\n\n• C2\n\n• C3\n\n• C4\n\n• C5\n\n• C6\nThe definitions for the ratings listed above are\nprovided in Exhibit 1: Requirements –\nCondition and Quality Ratings Usage. The\nappraiser must indicate ‘Yes’ or ‘No’ if there\nhas been any material work done to the\nkitchen(s) or bathroom(s) in the prior 15\nyears. If ‘No’, the text ‘No updates in the prior\n15 years’ must be provided. If ‘Yes’, additional\ninformation for kitchens and bathrooms must\nbe provided.\n\nIf information indicating whether material work\nhas been done to the kitchen(s) or\nbathroom(s) in the prior 15 years is not\navailable to the appraiser in the normal\ncourse of business, the appraiser is to either\nselect “Yes” or “No” based on the appraiser’s\nobservations of the subject property and any\nother available information. The appraiser\nshould indicate the basis for this\ndetermination in the appraisal report and\n"}

chunks/json/0d6cc43843807d1f5d7d1da93c4d0fa5b455da5d8a83b66e6182b63c6853898d.json

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+{"chunk":{"char_end":266996,"char_start":265325,"chunk_id":"chk_c7bc840f0a225d84","chunk_index":152,"chunk_sha256":"0d6cc43843807d1f5d7d1da93c4d0fa5b455da5d8a83b66e6182b63c6853898d","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"0d6cc43843807d1f5d7d1da93c4d0fa5b455da5d8a83b66e6182b63c6853898d","token_estimate":418,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Table 59. XML File Container Structure for Mortgage Insurance Data.\n\nUCD UIDs\n\nContainers\n\nUCD Usage Notes\n\n999.245 MI_DATA\n\nHolds child containers categorizing data points into MI policy, payee, credit\nenhancements, taxes, premiums and required providers.\n\n999.246 MI_DATA_DETAIL\n\nHolds data points describing the mortgage insurance policy.\n\nN O T E : The NEGATIVE_AMORTIZATION structure that followed MI_DATA in the UCD v1.5 Spec has been removed.\n\nThe mortgage insurance certificate identifier is issued by a private mortgage insurance (MI) company on conventional loan\npolicies.\n\nFigure 95. Rendering MICertificateIdentifier on the CD.\n\n3.0 Loan Information\n\n3.6 MIC # 000654321\n\nIf there is borrower-paid mortgage insurance on a loan, the MICertificateIdentifier must be present in the XML file.\nAdditionally, to identify the provider of the MI certificate when MI is required (see Table 54), the GSEs require that the name\nof the MI provider also be provided; this is not rendered on the CD.\n\nWhen dealing with service providers and products that are included in an enumerated list, data points ending in\n“OtherDescription” are often needed. MI companies that are not MISMO v3.3.0 valid enumerations are specified in\nMICompanyNameTypeOtherDescription. Each GSE’s UCD collection solution then validates the specified names as if they\nwere also enumerated. This format type is shown in UCD v2.0 Format column as “UCD Enumerated”. The associated\nImplementation Note will also provide the guidance, “The only accepted values in the UCD XML file are shown under UCD\nv2.0 Supported Enumerations”.\n\nTable 60. UCD v2.0 Spec Excerpt - Mortgage Insurance Data Requirements.\n"}

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+{"chunk":{"char_end":96101,"char_start":94450,"chunk_id":"chk_c8d5d6bbee0ac697","chunk_index":102,"chunk_sha256":"0d7e19e1e29b1d4004e202c7e93901e8b47a745deee5042d52c1b54631ebc271","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"0d7e19e1e29b1d4004e202c7e93901e8b47a745deee5042d52c1b54631ebc271","token_estimate":413,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Page 51 of 90\n\nVersion 1.4\n\nVehicle Storage DDD table (same format as Site DDD table)\n\n• Column heads: “Feature,” “Location,” “Description,” “Affects Soundness or Structural\n\nIntegrity,” “Recommended Action” set as TCH in 5 column table x 45 picas.\n\n• Columns 1, 2, 4, 5: 8 picas wide (~32 characters max per line in each cell).\n\n• Column 3:\n\n13 picas wide (~52 characters max per line in each cell).\n\n• Content sets as TB.\n\nAPPARENT DEFECTS, DAMAGES, DEFICIENCIES\n\nVehicle Storage Commentary (H1)\n\nSet Commentary as TXC x 45 picas.\n\nVehicle Storage Exhibits (H1)\n\nSubsection does not display if there are no exhibits.\n\n“Subject Property Amenities” sets as TAB.\n\nSubject Property Amenities table\n\n• Set 4 equal column table x 45 picas, headings: (TCH) “Amenity Category,” “Subject Property\n\nAmenity,” “Material,” “Detail”.\n\n• Columns set equal width (x 15 picas, ~60 characters max per line in each cell).\n\n• Content sets as TB.\n\nSUBJECT PROPERTY AMENITIES TABLE\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities) (H1)\n\nIf applicable per iGuide, set “None” as TXC.\n\nIf applicable per iGuide, the following statement sets as TXC-I x 45 picas below H1: “The items listed below\nrepresent the As Is condition as of the effective date of this report”.\n\nSubject Property Amenities DDD table (same format as Site DDD table)\n\n• Column heads: “Feature,” “Location,” “Description,” “Affects Soundness or Structural\n\nIntegrity,” “Recommended Action” set as TCH in 5 column table x 45 picas.\n\n• Columns 1, 2, 4, 5: 8 picas wide (~32 characters max per line in each cell).\n\n• Column 3:\n\n13 picas wide (~52 characters max per line in each cell).\n"}

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+{"chunk":{"char_end":1713,"char_start":0,"chunk_id":"chk_20363ec0950100de","chunk_index":0,"chunk_sha256":"0d81a1fa295ed9a3b08da1c3a7c1ebed12f75db81dbbd999fdcd62f40a825b17","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7eeaa0b971f0e44e","text_sha256":"0d81a1fa295ed9a3b08da1c3a7c1ebed12f75db81dbbd999fdcd62f40a825b17","token_estimate":525,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Uniform_Appraisal_Dataset__UAD__Aggregate_Statisti_8stfnq.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/uad\"\ndate_accessed: \"2026-01-27T17:47:50.831Z\"\n---\n\n> *[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)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![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\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}

chunks/json/0d81d6ea0b1bf6f659230c9a746c1937f5494017d9e5425653a7393c2926878c.json

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+{"chunk":{"char_end":8777,"char_start":7106,"chunk_id":"chk_2aed5bd9865ef0b2","chunk_index":4,"chunk_sha256":"0d81d6ea0b1bf6f659230c9a746c1937f5494017d9e5425653a7393c2926878c","date_utc":"2026-01-27T17:48:05+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_48d996c17b5aede9","text_sha256":"0d81d6ea0b1bf6f659230c9a746c1937f5494017d9e5425653a7393c2926878c","token_estimate":431,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Borrower_Education_Materials___FHFA_c9gk27l.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n## Breadcrumb\n\n- [Home](/)\n - [Mortgage Translations](/mortgage-translations)\n - Borrower Education Materials\n\n# Borrower Education Materials\n\nEasy to understand materials to assist homebuyers and homeowners navigate purchasing a home and avoiding foreclosure.\n\n- ## Finding a Housing Counselor\n\nImage\n\n![Asian couple signing contract with agent](/sites/default/files/styles/large/public/2023-11/gettyimages-663845198-asian-couple-signing-contract-with-agent_0.jpg?itok=0kxoNqge)\n"}

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+{"chunk":{"char_end":9687,"char_start":8051,"chunk_id":"chk_715fbd0b823f718c","chunk_index":5,"chunk_sha256":"0d904db1de0c6f3d333294cf64f1c93abebaec7941ea26f0d9dcd7fd4a35d807","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_bb6c30042af83c9d","text_sha256":"0d904db1de0c6f3d333294cf64f1c93abebaec7941ea26f0d9dcd7fd4a35d807","token_estimate":409,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF4_Appraisal/_.xml/SF4_Appraisal_v1.3.xml"]},"text":"WholeHome\n\n1\n\nDetached\n\nfalse\n\n1\n\ntrue\n\n1\n\nfalse\n\nfalse\n\nC4\n\nQ4\n\ntrue\n\ntrue\n\nLeasehold\n\nfalse\n\nfalse\n\nfalse\n\nfalse\n\n1200\n\n2099-06\n\ntrue\n\nLeasehold properties are common in the subject's immediate market area with most leases having automatic renewal terms of 50 or 100 years. The lease fees are generally minimal in comparison to property values and appear to have no impact on the value or marketability of the properties. The appraisal utilizes 3 sales of comparable leasehold properties from the subject's neighborhood in the sales comparison approach.\n\nfalse\n\nfalse\n\nTraditionalAppraisal\n\ntrue\n\ntrue\n\nfalse\n\nfalse\n\n765000\n\n2019-08-20\n\ntrue\n\ntrue\n\nTypicallyMotivated\n\n2013-01-24\n\n600000\n\nSale\n\nTypicallyMotivated\n\nNone\n\ntrue\n\ntrue\n\ntrue\n\ntrue\n\ntrue\n\nAsphalt\n\nLocal\n\ntrue\n\nPublicStreet\n\ntrue\n\nfalse\n\nfalse\n\nNone\n\nSubject and all comparables are located in a residential area.\n\nBordering\n\nResidential\n\nNeutral\n\n14000\n\n1\n\nPublic\n\nElectricity\n\nSubject has solar power but has also maintained connection to public electrical lines.\n\nNonPublic\n\nElectricity\n\nNeutral\n\nSolar\n\nfalse\n\nPublic\n\nSanitarySewer\n\nPublic\n\nWater\n\nNeutral\n\ntrue\n\nFull\n\nResidential\n\nResidential - Single Family\n\nR-01\n\nLegal\n\n35361 Place Rd\n\nSomewhere\n\n12345\n\nVA\n\nDriveway\n\nAsphalt\n\n6\n\nfalse\n\nAttached\n\nGarage\n\n2\n\n0\n\nContractDate\n\n0\n\nSaleDate\n\n0\n\nPropertyRightsAppraised\n\n-30000\n\nSiteSize\n\n0\n\nYearBuilt\n\n0\n\nEnergyEfficientAndGreenFeatures\n\n0\n\nLivingUnitStandardFinishedAreaAboveGrade\n\nComp 1 Primary\n\n-14400\n\nLivingUnitStandardFinishedAreaBelowGrade\n\nComp 1 Primary\n\n0\n\nLivingUnitUnfinishedAreaBelowGrade\n\nComp 1 Primary\n\n-30000\n\nLivingUnitStandardFinishedAreaAboveGrade\n"}

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+{"chunk":{"char_end":190600,"char_start":188991,"chunk_id":"chk_ab6a5d79810f0e1e","chunk_index":111,"chunk_sha256":"0d9128424fd522b19d056f4ec5fc21fd9a215a2c4b90cce776dae7741618d96b","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"0d9128424fd522b19d056f4ec5fc21fd9a215a2c4b90cce776dae7741618d96b","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Choose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nAdverse,\nBeneficial, or\nNeutral\n\nFree-form\n\nDefinition / Additional Guidance\n\nNone\nCoastal Barrier Resources System\nDrainage\nExcess Land\nLandlocked\nLandscaping\nRoad Frontage\nShape\nSoil Suitability\nSurplus Land\nTopography\n\nSite Characteristic: A given characteristic associated with the site.\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n• Wetlands\n•\n•\nNotes:\n•\n\nZero Lot Line\nOther (Describe)\n\n•\n\nSelect the Site Characteristics that impact value and / or marketability, or\nas needed.\nPhotos or images for the indicated site characteristic may be provided,\nwhich display in Site Exhibits with the caption “Site Characteristic”. An\nadditional caption including the site characteristic type and any other\ndescriptive information as appropriate must be provided.\n\nTopography Type: The shape and features of land surface.\n•\n•\n•\n•\n•\n\nFlat\nRocky\nRolling\nSloping\nOther (Describe)\n\nSite Drainage Reason: The drainage reason that may impact the property.\n•\n\nEvidence of Erosion (observable degradation of the site, such as water\nrunoff or sinkhole)\nImproper Grading (water drains towards the foundation)\nStanding Water\nOther (Describe)\n\n•\n•\n•\n\nWhen Adverse or Beneficial, describe the impact to value and / or\nmarketability. Additional commentary may be provided to include details and\nother information.\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nSite Characteristic (Choose all that apply)\n\nNone\n\nIf there are no significant site characteristics, select None and the Site Characteristic row does not display.\n\nCoastal Barrier Resources\nSystem\n"}

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+{"chunk":{"char_end":277147,"char_start":275458,"chunk_id":"chk_91ed240b66ae7ee1","chunk_index":158,"chunk_sha256":"0d923d0908370a2c536896b46f06c052bed169888c9941ea7a8d6bb22c843b59","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"0d923d0908370a2c536896b46f06c052bed169888c9941ea7a8d6bb22c843b59","token_estimate":422,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"12.2 Loan Amount\n\n12.1.1\n\n$579,000\n\n3.\n\nINTEREST RATES\n\nInterest Rate is the basis for calculating the periodic payments of principal and interest for which the borrower is\nobligated. The loan’s features and whether the rate is known at consummation determine which and how many interest rate\ndata points will be rendered on the CD. Figure 104 is a checklist of how the three different UCD interest rates must be\nprovided.\n\nUCD v2.0 Implementation Guide\n\n- 125 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 104. UCD v2.0 Interest Rate Requirements.\n\nFigure 105. XML File ARM Rate as Rendered on the Loan Terms Table.\n\n4.0 Loan Terms\n\n4.2 Interest Rate\n\n4.0\n\nCan this amount increase after closing?\n\n4.2.1 3.875%\n\n4.2.2 Yes\n\n4.2.3\n\nFigure 106. XML File ARM Rate as Rendered on the AIR Table..\n\nAdjustable Interest Rate (AIR) Table\n\n20.0\n\nInitial Interest Rate\n\n20.2 3.875%\n\nWith ARM loans, the NoteRate OR the DisclosedFullyIndexedRatePercent are rendered in two separate places on the CD.\n\nDisclosedFullyIndexedRatePercent is only used for ARMs when the initial interest rate is unknown at the time of closing.\n\nTable 65. UCD v2.0 Excerpt – DisclosedFullyIndexedRatePercent Data Requirements.\n\nUCD UID MISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/L\nOAN/TERMS_OF_LOAN\n\n4.037\n\nDisclosedFullyIndexedRatePercent\n\n3.8750\n\n4.006\n\nNoteRatePercent\n\n3.8750\n\nMutually exclusive with\nBuydownInitialEffectiveInterestRatePercen\nt and NoteRatePercent.\n\nMutually exclusive with\nBuydownInitialEffectiveInterestRatePercen\nt and DisclosedFullyIndexedRatePercent.\n"}

chunks/json/0d9e35dce9ffb6c683fe1aa045306d933e2f54fb802ceb9335746f3527e4fb9e.json

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+{"chunk":{"char_end":108875,"char_start":107203,"chunk_id":"chk_f651c104098450a7","chunk_index":63,"chunk_sha256":"0d9e35dce9ffb6c683fe1aa045306d933e2f54fb802ceb9335746f3527e4fb9e","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"0d9e35dce9ffb6c683fe1aa045306d933e2f54fb802ceb9335746f3527e4fb9e","token_estimate":418,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"C2: The improvements feature no deferred maintenance, little or no physical depreciation,\nand require no repairs. Virtually all building components are new or have been recently\nrepaired, refinished, or rehabilitated. All outdated components and finishes have been\nupdated and/or replaced with components that meet current standards. Dwellings in this\ncategory are either almost new or have been recently completely renovated and are similar in\ncondition to new construction.\n\nNote: The improvements represent a relatively new property that is well maintained with no\ndeferred maintenance and little or no physical depreciation, or an older property that has\nbeen recently completely renovated.\n\nC3: The improvements are well maintained and feature limited physical depreciation due to\nnormal wear and tear. Some components, but not every major building component, may be\nupdated or recently rehabilitated. The structure has been well maintained.\n\nNote: The improvement is in its first cycle of replacing short-lived building components\n(appliances, floor coverings, HVAC, etc.) and is being well maintained. Its estimated\neffective age is less than its actual age. It also may reflect a property in which the majority of\nshort-lived building components have been replaced but not to the level of a complete\nrenovation.\n\nC4: The improvements feature some minor deferred maintenance and physical deterioration\ndue to normal wear and tear. The dwelling has been adequately maintained and requires only\nminimal repairs to building components/mechanical systems and cosmetic repairs. All major\nbuilding components have been adequately maintained and are functionally adequate.\n"}

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+{"chunk":{"char_end":242263,"char_start":240545,"chunk_id":"chk_a8a319bd4d8d5477","chunk_index":125,"chunk_sha256":"0daa70d6eae4a12d0c2c7a9aa9661af8bfbec4fd63cbf38ec8ac49d050d49382","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"0daa70d6eae4a12d0c2c7a9aa9661af8bfbec4fd63cbf38ec8ac49d050d49382","token_estimate":430,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"8.10 G. Initial Escrow Payments at Closing - itemizes the amounts that the lender will require to be placed\ninto a reserve or escrow account at consummation to be applied to future recurring periodic charges for\nHomeowner’s and other property Insurance as required, Mortgage Insurance, Property Taxes,\nhomeowner’s association dues, condominium dues, and other periodic charges.\n\n8.16 H. Other – itemizes fees not captured in any other section of Closing Cost Details, including services the\nborrower chose to add and seller-specific closing costs when a seller is part of the transaction.\n\nAppendix E: UCD Implementation Guide\n\nPage 109 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n7.0 - 9.0 Closing Cost Details Tables Overview - UPDATED\n\nSubcategory Totals. Line items shaded in gray indicate Borrower-Paid subtotals for the associated\nsubcategory (7.1.1, 7.4.1, 7.6.1 and 8.1.1, 8.4.1, 8.10.1, 8.16.1). If there are no fees to disclose within the\nsection, provide “0.”\n\n7.9 | 8.19 At or Before Closing Subtotals. Splits the two Borrower-Paid category totals into payments made\nAt Closing) and Before Closing. The Paid by Others (9.2.6) costs are not broken down by payment timing.\n\nC. CATEGORI ES\n\n7.8 D. TOTAL LOAN COSTS (Borrower-Paid) The sum of the Borrower-Paid subtotals for the Loan Costs\ntable.\n\n8.18 I. TOTAL OTHER COSTS (Borrower-Paid) The sum of the Borrower-Paid subtotals for the Other Costs\ntable.\n\n9.1 J. TOTAL CLOSING COSTS (Borrower-Paid) The sum of D and I. The total of all Borrower-Paid costs.\n\nD. LI NE I TEMS\n\nLine items are the individual charges or fees assigned to a category. Figure 75 shows only one line item per\ncategory for purposes of illustration. Multiple line items are the norm.\n"}

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chunks/json/0e140ecf574c09940d36fe6198f9a08b37e0987eea7f16fd5ea0b3484553b018.json

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chunks/json/0e36fe46f6d276ceec548a4b8693c2fc6d98d045ac59c99fcc578d4a3f079f18.json

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+{"chunk":{"char_end":452833,"char_start":451212,"chunk_id":"chk_cb273e2625a765da","chunk_index":268,"chunk_sha256":"0e36fe46f6d276ceec548a4b8693c2fc6d98d045ac59c99fcc578d4a3f079f18","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"0e36fe46f6d276ceec548a4b8693c2fc6d98d045ac59c99fcc578d4a3f079f18","token_estimate":405,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"The Developer/Sponsor in Control row always displays in the Project Factors table.\n\nProject Factors: Developer/Sponsor in Control\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n18.064 Developer /\n\nSponsor in\nControl (Detail)\n\n18.074 Developer /\n\nSponsor in\nControl (Impact)\n\n18.084 Developer /\n\nSponsor in\nControl\n(Comment)\n\nRequired if the\nproperty is in a\ncondominium,\ncooperative, condop,\nor PUD\n\nRequired if Developer\nin Control is Yes\n\nRequired if Impact is\nAdverse or Beneficial,\nor as needed\n\nAllowable\nAnswers / Format\n\nYes | No\n\nDefinition / Additional Guidance\n\nIndicates whether the developer, builder, or sponsor is in control of the\nmanagement of the cooperative corporation or the HOA.\n\nAdverse,\nBeneficial, or\nNeutral\n\nFree-form\n\nWhen Adverse or Beneficial, describe the impact to value and / or\nmarketability. Additional commentary may be provided to include details and\nother information.\nNote: For further expansion of commentary, use Project Factors Commentary\n(18.094).\n\nAppendix F-1: URAR Reference Guide\n\nPage 192 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n18 Project Information\n\nIncomplete Project\n\nThe Incomplete Project row displays in the Project Factors table if Project Complete (18.016) is No.\n\nProject Factors: Incomplete Project\n\nAllowable\nAnswers / Format\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nAdverse,\nBeneficial, or\nNeutral\n\nFree-form\n\nReport\nField ID\n\n18.065\n\nReport Label\n\nWhen to Include\n\nIncomplete\nProject (Detail)\n\nRequired if Project\nComplete is No\n\n18.075\n\nIncomplete\nProject (Impact)\n\nRequired if Project\nComplete is No\n"}

chunks/json/0e3a180588996c4b3b999e1a1e0affa50134a2c3d96f664b9bb0494315a7b7c0.json

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+{"chunk":{"char_end":1730,"char_start":0,"chunk_id":"chk_323ccd6b2027e505","chunk_index":0,"chunk_sha256":"0e3a180588996c4b3b999e1a1e0affa50134a2c3d96f664b9bb0494315a7b7c0","date_utc":"2026-01-27T17:54:26+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ab94b9ae8c2e08dd","text_sha256":"0e3a180588996c4b3b999e1a1e0affa50134a2c3d96f664b9bb0494315a7b7c0","token_estimate":529,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHFA_House_Price_Index____U_S__FEDERAL_HOUSING_eviyz.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/house-price-index\"\ndate_accessed: \"2026-01-27T17:54:20.435Z\"\n---\n\n> *[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)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![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\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}

chunks/json/0e3d0a6f34b5e03e4b7a9291da864fe9e426e0517b6f45ca31414f77ef9c056e.json

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+{"chunk":{"char_end":331664,"char_start":330041,"chunk_id":"chk_5f97a65f7b422a31","chunk_index":275,"chunk_sha256":"0e3d0a6f34b5e03e4b7a9291da864fe9e426e0517b6f45ca31414f77ef9c056e","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"0e3d0a6f34b5e03e4b7a9291da864fe9e426e0517b6f45ca31414f77ef9c056e","token_estimate":406,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Display \"Greatest Number of Shares Owned-\" and value. Cannot be 0.\nDisplay when ValuationAnalysisCategoryType (UID: 2500.0130, FID: Not on\nreport) = \"SingleEntityGreatestNumberOfSharesOwned\"\nDisplay when ((ValueMarketabilityImpactType = \"Adverse\" OR \"Beneficial\")\nOR\n(ValueMarketabilityImpactType = \"Neutral\" AND Exists))\nDisplay when PropertyInProjectIndicator = “true”\n\n2500.0055\n\nProjectCommercialSpaceIndicator\n\nWhen false, display “None”, when “true” do not display\n\n18.069\n\nDetail\n\n2500.0057\n\nProjectCommercialSpacePercent\n\n18.079\n\nImpact\n\n2500.0129 ValueMarketabilityImpactType\n\n18.089\n\nComment\n\n2500.0128 ValuationCommentText\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nDisplay ProjectCommercialSpaceIndicator = \"true\"\n− Number displays followed by \"%\"\nDisplay when ValuationAnalysisCategoryType (UID: 2500.0127, FID: Not on\nreport) = \"ProjectCommercialSpace\"\nDisplay when ((ValueMarketabilityImpactType = \"Adverse\" OR \"Beneficial\")\nOR\n(ValueMarketabilityImpactType = \"Neutral\" AND Exists)) OR Exists\n\nProject Information: Project Factors and Impact to Value/Marketability\n\nPage 253\n\nReport\nField ID\nProject Factor: Known Legal Actions\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\n18.070\n\nDetail\n\n2500.0051\n\nLegalActionIndicator\n\n18.080\n\nImpact\n\n2500.0126 ValueMarketabilityImpactType\n\n18.090\n\nComment\n\n2500.0125 ValuationCommentText\n\nProject Factor: Unit Transfer Fees\n\n18.071\n\nDetail\n\n2500.0019 OwnershipTransferFeeIndicator\n\n2500.0017 AssociationChargeAmount\n\n18.081\n\nImpact\n\n2500.0147 ValueMarketabilityImpactType\n\n18.091\n\nComment\n\n2500.0146 ValuationCommentText\n\nProject Factor: Unit Special Assessments\n"}

chunks/json/0e4213d377a25e8fbfd46b14cdbdd28470856528a85fff020b02b3b3316d1661.json

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+{"chunk":{"char_end":45635,"char_start":43969,"chunk_id":"chk_54fd8d146ee0c966","chunk_index":24,"chunk_sha256":"0e4213d377a25e8fbfd46b14cdbdd28470856528a85fff020b02b3b3316d1661","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"0e4213d377a25e8fbfd46b14cdbdd28470856528a85fff020b02b3b3316d1661","token_estimate":417,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Examples include manufactured and site-built.\n\nA structure is defined as a building with a foundation, walls, and a roof, designed to protect from the weather,\nwhich can be a dwelling or an outbuilding.\n\nThe selection of Structure Type drives the display of the Dwelling Exterior and Outbuilding sections.\n•\n•\n\nIf Structure Type is Dwelling, Dwelling Exterior displays.\nIf Structure Type is Outbuilding, Outbuilding displays.\n\nNote: Do not include amenities such as gazebos, outdoor kitchens, or other site improvements that are not\noutbuildings as “structures”. These are reported in the Subject Property Amenities section.\n\nStructure Type\n\nReport\nField ID\n\nNot on\nReport\n\nReport Label\n\nWhen to Include\n\nDwelling\nExterior or\nOutbuilding\n(black tab)\n\nAlways required for\neach building on the\nproperty\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom table\n(Structure Type)\n\n•\n•\n\nDwelling\nOutbuilding\n\nDefinition / Additional Guidance\n\nStructure Type\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nDwelling\n\nOutbuilding\n\nAny building containing living unit(s) designed to be used as residence(s). A portion of the dwelling may also contain\nADU(s).\n\nA building other than the dwelling (e.g., barn, shed, bunkhouse, or standalone ADU). A portion of the outbuilding may\ncontain ADUs or other finished space. An ADU not attached to the residence is considered to be an outbuilding.\n\nUnits and ADUs\n\nAll living units and ADUs are considered a “unit”:\n• A living unit or ADU in a dwelling, or\n• An ADU within or attached to an outbuilding, or\n• A standalone ADU that is the outbuilding\n\nReference the Unit Interior section for information about each unit.\n"}

chunks/json/0e44dde049164fce51767a59bd97132ff810a2502d77cd960a56a36c7132b18a.json

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+{"chunk":{"char_end":21008,"char_start":19405,"chunk_id":"chk_417e9d5f23217132","chunk_index":12,"chunk_sha256":"0e44dde049164fce51767a59bd97132ff810a2502d77cd960a56a36c7132b18a","date_utc":"2026-01-27T18:32:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b28a85df80ca57ef","text_sha256":"0e44dde049164fce51767a59bd97132ff810a2502d77cd960a56a36c7132b18a","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF4_Appraisal/_.pdf/SF4_Appraisal_v1.3.pdf"]},"text":"Condition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nCondition Comment\nNo damage or condition\nissues noted.\n\nNo damage or condition\nissues noted.\n\nNo damage or condition\nissues noted.\n\nApparent Defects, Damages, Deficiencies (Unit Interior - ADU)\n\nNone\n\nUnit Interior Commentary\n\nThe ADU was built-out within the past 5 -10 years with standard builder grade materials that are typical for accessory units in this market. The\nunit has been well maintained with no apparent defects, damages or deficiencies.\n\nUnit Interior Exhibits\n\nLevel B1 - Bath - Full\n\nLevel B1 - Bedroom\n\nThis is where the ADU Full Bathroom photo would display.\n\nThis is where the ADU Bedroom photo would display.\n\nLevel B1 - Kitchen\n\nThis is where the ADU Kitchen photo would display.\n\nFunctional Obsolescence\n\nFunctional Issues\n\nNone\n\nAppraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 11 of 22\nPage 11 of 22\n\nVehicle Storage\n\nStorage\nCarport\n\nDriveway\n\nGarage\n\nNumber of Parking Spaces\n2\n\n4\n\n2\n\nDetail\nDetached\n400 Sq. Ft.\n\nAsphalt\n\nAttached\n528 Sq. Ft.\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\nNone\n\nVehicle Storage Exhibits\n\nCarport\n\nDriveway - Garage\n\nThis is where the Carport photo would display.\n\nThis is where the Garage photo would display.\n\nSubject Property Amenities\n\nAmenity Category\nOutdoor Living\n\nSubject Property Amenity\nDeck\n\nWater Features\n\nWhole Home\n\nPatio\n\nPorch\n\nInground Pool\n\nIndoor Fireplace\n\nWood Stove\n\nMaterial\nWood\n"}

chunks/json/0e4db981cb10d14dacb1c9b03d9885877583aba3ad81e613f77e75cb48dfc042.json

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+{"chunk":{"char_end":163318,"char_start":161661,"chunk_id":"chk_20042d7c4264db5b","chunk_index":95,"chunk_sha256":"0e4db981cb10d14dacb1c9b03d9885877583aba3ad81e613f77e75cb48dfc042","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"0e4db981cb10d14dacb1c9b03d9885877583aba3ad81e613f77e75cb48dfc042","token_estimate":415,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/SITE\n/SITE_FEATURE[@_Type='Driveway']/@_Co\nmment\n\nCar Storage Location\nExists Indicator\n\nIndicates that the type of car storage\ndescribed in Car Storage Location\nType and Car Storage Attachment\nType is present.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/CAR_STORAGE/CAR_STORAGE_\nLOCATION[@_Type='Garage']/@_ExistsIndica\ntor\n\n206\n\n1\n\n200\n\nIMPROVEMENTS Garage # of Cars\n\nParking Spaces\nCount\n\nSpecifies the number of vehicle\nparking spaces (i.e., the number of\nparking spaces in a garage, carport or\ncondominium complex).\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/CAR_STORAGE/CAR_STORAGE_\nLOCATION[@_Type='Garage']/@ParkingSpace\nsCount\n\n207\n\n1\n\n201\n\nIMPROVEMENTS Carport\n\nCar Storage Location\nExists Indicator\n\nIndicates that the type of car storage\ndescribed in Car Storage Location\nType and Car Storage Attachment\nType is present.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/CAR_STORAGE/CAR_STORAGE_\nLOCATION[@_Type='Carport']/@_ExistsIndic\nator\n\n208\n\n1\n\n202\n\nIMPROVEMENTS Carport # of Cars\n\nParking Spaces\nCount\n\nSpecifies the number of vehicle\nparking spaces (i.e., the number of\nparking spaces in a garage, carport or\ncondominium complex).\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/CAR_STORAGE/CAR_STORAGE_\nLOCATION[@_Type='Carport']/@ParkingSpac\nesCount\n\n209\n\n1\n\n203\n\nIMPROVEMENTS\n\nCar Storage\nAtt.\n\nCar Storage\nAttachment Type\n\nSpecifies if the Car Storage Location\nspecified by Car Storage Location\nType is attached or detached.\n\nVALUATION_RESPONSE/PROPERTY/STRU\nCTURE/CAR_STORAGE[@_AttachmentType=\n'Attached']\n\n1\n\n1\n\n2\n\nBoolean\n\nA value of 'N' indicates there is no car storage. A value of 'Y' indicates the\nbox was not checked.\n"}

chunks/json/0e5063b978ed61ca85bd7cb22abda872362965dfd0d0493aa842ee9cef5320af.json

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+{"chunk":{"char_end":186161,"char_start":184342,"chunk_id":"chk_d9c7198a9b2964ca","chunk_index":108,"chunk_sha256":"0e5063b978ed61ca85bd7cb22abda872362965dfd0d0493aa842ee9cef5320af","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"0e5063b978ed61ca85bd7cb22abda872362965dfd0d0493aa842ee9cef5320af","token_estimate":455,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Page 49 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXpath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\n238\n\n239\n\n240\n\n241\n\n242\n\n243\n\n244\n\n245\n\n246\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n3\n\n4\n\nHEADER\n\nFile #\n\nAppraiser File\nIdentifier\n\nHEADER\n\nBLANK\n\nAppraiser Additional\nFile Identifier Name\n\nThis is an identifier or number used\nby the appraiser to identify their\nreports. It is generally specific to the\nappraiser\nSecondary report identifier used by\nthe appraiser to identify appraisal\nreports. This field may carry the FHA\nnumber, case number, loan number or\nsome other identifier.\n\n/VALUATION_RESPONSE/REPORT/@Appra\niserFileIdentifier\n\n/VALUATION_RESPONSE/REPORT/@Appra\niserAdditionalFileIdentifierName\n\n4a\n\nHEADER\n\nBLANK\n\nAppraiser Additional\nFile Identifier\n\nUsed to indicate by name the type of\nidentifier represented by\nAppraisersAdditionalFileIdentifier.\n\n/VALUATION_RESPONSE/REPORT/@Appra\niserAdditionalFileIdentifier\n\n5\n\n6\n\n7\n\n8\n\n9\n\n10\n\nSALES\nCOMPARISON\nAPPROACH\n\nNumber of Comparable\nListings\n\nComparable Listings\nResearched Count\n\nSALES\nCOMPARISON\nAPPROACH\n\nComparable Listings\nPrice Range\nLow\n\nComparable Listings\nPrice Range Low\nAmount\n\nSALES\nCOMPARISON\nAPPROACH\n\nComparable Listings\nPrice Range\nHigh\n\nComparable Listings\nPrice Range High\nAmount\n\nSpecifies the total number of\ncomparable property listings\nresearched.\nSpecifies the low listing value in the\nrange of values within the group of\ncomparable listing properties\nresearched.\nSpecifies the high listing value in the\nrange of values within the group of\ncomparable listing properties\nresearched.\n"}

chunks/json/0e5b714ad901c6e9844670091c3baa2d3fad70394aa048db6bd9b71ac4ff03d7.json

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+{"chunk":{"char_end":10506,"char_start":8784,"chunk_id":"chk_f19deeb8712e29e9","chunk_index":5,"chunk_sha256":"0e5b714ad901c6e9844670091c3baa2d3fad70394aa048db6bd9b71ac4ff03d7","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_695cc136fc0a3824","text_sha256":"0e5b714ad901c6e9844670091c3baa2d3fad70394aa048db6bd9b71ac4ff03d7","token_estimate":428,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Research___FHFA_gssm7.md"]},"text":"We find a puzzling increase in home valuations following the adoption of stricter flood standards. At the same time, we are observing shifts in appraisers’ valuation practices. Specifically, appraisers reduce negative language, use fewer flood-zone comparables, and apply smaller adjustments to...\n - Staff Working Papers\n\nJanuary 10, 2025\n\n## [Working Paper 25-01: The Male and Female Gap in Home Appraisals](/research/papers/wp2501)\n\nUsing 24 million appraisals for refinance mortgages over the January 2013 to March 2024 period and comparing homes in the same census tract and year-quarter, we find that homes of single female households are appraised for 2.4% less than those of single men. Appraisers make lower adjustments to...\n - Staff Working Papers\n\nDecember 23, 2024\n\n## [Working Paper 24-11: Individual Borrower Motivations Surrounding Mortgage Forbearance Take-Up and Exit](/research/papers/wp2411)\n\nBorrower perceptions and beliefs about the future influence mortgage forbearance decisions. Using a proprietary dataset combining administrative mortgage records with borrower surveys, we find subjective expectations regarding forbearance uncertainty and financial knowledge help predict forbearance...\n - Staff Working Papers\n\nDecember 20, 2024\n\n## [Working Paper 24-10: European Energy Crisis: Did Electricity Prices Shock Real Estate Markets?](/research/papers/wp2410)\n\nThis paper investigates the impact of the 2021–2022 European energy crisis, a significant macro-financial shock, on homebuyer willingness-to-pay for energy-efficient homes in Norway. Leveraging the country’s electricity market—characterized by five distinct regions with varying exposure to European...\n - Staff Working Papers\n"}

chunks/json/0e5eb7e185e75274410bec7be16952a6d4a6ae03880730bf08c6d49fd4d543ce.json

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+{"chunk":{"char_end":18618,"char_start":17017,"chunk_id":"chk_598e043951c77db9","chunk_index":10,"chunk_sha256":"0e5eb7e185e75274410bec7be16952a6d4a6ae03880730bf08c6d49fd4d543ce","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_54c90e842324b7de","text_sha256":"0e5eb7e185e75274410bec7be16952a6d4a6ae03880730bf08c6d49fd4d543ce","token_estimate":401,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073_465.pdf"]},"text":"*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are\nnecessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are\nreadily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing\nadjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional\nlender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical\ndollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market’s\nreaction to the financing or concessions based on the appraiser’s judgment.\n\nSTATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser’s certification in this report is\nsubject to the following assumptions and limiting conditions:\n\n1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the\ntitle to it, except for information that he or she became aware of during the research involved in performing this appraisal.\nThe appraiser assumes that the title is good and marketable and will not render any opinions about the title.\n\n2. The appraiser has provided a sketch in this appraisal report to show the approximate dimensions of the improvements.\nThe sketch is included only to assist the reader in visualizing the property and understanding the appraiser’s determination\nof its size.\n"}

chunks/json/0e5f78cf1df33833690989c8bb3ebb10095aff47e1e0fab7b3bfa2bace99fdb0.json

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+{"chunk":{"char_end":742725,"char_start":741082,"chunk_id":"chk_47cfe8248964ef3c","chunk_index":440,"chunk_sha256":"0e5f78cf1df33833690989c8bb3ebb10095aff47e1e0fab7b3bfa2bace99fdb0","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"0e5f78cf1df33833690989c8bb3ebb10095aff47e1e0fab7b3bfa2bace99fdb0","token_estimate":411,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Highest Best Use\nIndicator\n\nIndicates that the present use is the\nhighest and best of the site as improved.\n\n/VALUATION_RESPONSE/PROPERTY/SITE[@HighestBestUseIndicator='Y']\n\nHighest Best Use\nIndicator\n\nIndicates that the present use is the\nhighest and best of the site as improved.\n\n/VALUATION_RESPONSE/PROPERTY/SITE[@HighestBestUseIndicator='N']\n\n1\n\n1\n\nBoolean\n\nBoolean\n\nHighest Best Use\nDescription\n\nSpecifies a use, other than the present use,\nthat would constitute a higher and best\nuse of the site.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/@HighestBestUseDescription\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nSite Utility Public\nIndicator\n\nIndicates whether the utility specified by\nSite Utility Type is a public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Electr\nicity']/@_PublicIndicator\n\nSite Utility Non\nPublic Indicator\n\nIndicates whether the utility specified by\nSite Utility Type is a non-public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Electr\nicity']/@_NonPublicIndicator\n\n104\n\nPROJECT SITE\n\nUtilities\nElectricity\nOther (describe)\n\nSite Utility Non\nPublic Description\n\nA free-form text field used to describe the\nownership of the utility specified by Site\nUtility Type if it is a non-public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Electr\nicity']/@_NonPublicDescription\n\n105\n\nPROJECT SITE\n\n106\n\nPROJECT SITE\n\nUtilities\nGas\nPublic\n\nUtilities\nGas\nOther\n\nSite Utility Public\nIndicator\n\nIndicates whether the utility specified by\nSite Utility Type is a public utility.\n"}

chunks/json/0e63e27077047e5931216c401eb98dd532bbc97f326e5b15ab4bb6088cd3e307.json

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+{"chunk":{"char_end":34384,"char_start":32785,"chunk_id":"chk_0d941adb9bb08042","chunk_index":20,"chunk_sha256":"0e63e27077047e5931216c401eb98dd532bbc97f326e5b15ab4bb6088cd3e307","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"0e63e27077047e5931216c401eb98dd532bbc97f326e5b15ab4bb6088cd3e307","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Standard\n\nStandard\n\nC4\n\nPartially Updated\n\nPartially Updated\n\nModerately Updated\n\nModerately Updated\n\nModerately Updated\n\nFully Updated\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\nQuality\n\nCondition\n\nProperty Amenities\n\nOutdoor Living\n\nWater Features\n\nVehicle Storage\n\nType | Spaces | Detail\n\nQ5\n\nC4\n\n—\n\nOutdoor Shower - 2\n\nCarport | 2 | Detached\n400 Sq. Ft.\nDriveway | 6 | Gravel\n\nQ4 $(10,000)\n\nC4\n\nPorch\n\n$(3,000)\n\n—\n\n$0\n\n$3,000\n\nDriveway | 6 | Gravel\n\nQ5\n\nBasic\n\nBasic\n\nQ4\n\nStandard\n\nStandard\n\nStandard\n\nStandard Dry Wall | Vaulted\n\nC4\n\nNot Updated\n\nNot Updated\n\nNot Updated\n\nQ4 $(20,000)\n\nC4\n\nC4\n\nNot Updated\n\nNot Updated\n\nFully Updated\n\nQ5\n\nC4\n\n—\n\n—\n\nDeck | Porch\n\n$(5,000)\n\n—\n\n$0\n\n$0\n\n$0\n\n$0\n\nCarport | 2 | Attached\nDriveway | 6 | Gravel\n\nCarport | 2 | Attached\nDriveway | 6 | Gravel\n\nOutbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts)\n\nOutbuilding Type\n\n—\n\n—\n\nShed\n\n$0\n\n—\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario\n\nUniform Residential Appraisal Report\n\nPage 17 of 29\nPage 17 of 29\n\nSales Comparison Approach (continued)\n\nProperty Address\n\nSummary\n\nList Price\n\nContract Price\n\nSale Price\n\nNet Adjustment Total\n\nAdjusted Price Per Unit\n\nAdjusted Price Per Bedroom\n\nPrice Per Gross Building\nFinished Area\n\nAdjusted Price\n\nComparable Weight\n\nSubject Property\n\nComparable #1\n\nComparable #2\n\nComparable #3\n\n12345 Holiday Hwy\nSurfside, HI 12345\n\n13-222 N Trail Loop\nSurfside, HI 12345\n\n25-1837 Highmountain Pl\nSurfside, HI 12345\n"}

chunks/json/0e6a31854056167ad4d41f41dfc749730294a2b92654623f89da9f3cdad99956.json

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+{"chunk":{"char_end":11853,"char_start":3065,"chunk_id":"chk_dade9ec9e68e2242","chunk_index":2,"chunk_sha256":"0e6caba690bf29e60ca0fb88c2874d61af2cc46a28c7edb4ba2f2aa6f0ac4231","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"0e6caba690bf29e60ca0fb88c2874d61af2cc46a28c7edb4ba2f2aa6f0ac4231","token_estimate":3439,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Revision History ................................................................................................................................................................................... 2\nTable of Contents................................................................................................................................................................................. 3\nI. Introduction ...................................................................................................................................................................................... 9\nA. Scope............................................................................................................................................................................................ 9\nB. Purpose ........................................................................................................................................................................................ 9\nII. Document Structure ...................................................................................................................................................................... 11\nA. Documentation Conventions ................................................................................................................................................... 11\nB. Document Organization............................................................................................................................................................ 13\nIII. Closing Disclosure Variations – UPDATED................................................................................................................................... 15\nA. Model Form ............................................................................................................................................................................... 16\nB. Split Disclosures - UPDATED ..................................................................................................................................................... 17\n1. Closing Disclosure – Borrower Only .....................................................................................................................................17\n2. Closing Disclosure – Seller Only - UPDATED ........................................................................................................................17\nC. Alternate Form .......................................................................................................................................................................... 18\n1. For More Information ...........................................................................................................................................................18\nIV. UCD Data Point Categories .......................................................................................................................................................... 19\nA. Closing Disclosure Data Points ................................................................................................................................................. 19\n1. General Use Data...................................................................................................................................................................19\n2. Document Specific Data........................................................................................................................................................19\n3. Mutually Exclusive Data Points.............................................................................................................................................20\n4. Variable Form Field Names...................................................................................................................................................21\n5.\n"}

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+{"chunk":{"char_end":67504,"char_start":66736,"chunk_id":"chk_d2f3a9890ef3ddf5","chunk_index":55,"chunk_sha256":"0e7b4e8afbc81f03c2a2da846fc2f91c5748092d64f7f37b53fb432beaf9e7d4","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"0e7b4e8afbc81f03c2a2da846fc2f91c5748092d64f7f37b53fb432beaf9e7d4","token_estimate":192,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf","below_target_min_tokens"]},"text":"Supported Attribute Enumerations\n\nurn:fdc:mismo.org:2009:residential/SIGNATORY_IsAssociatedWith_ROLE\nSIGNATORY_n\nROLE_n\nSIGNATORY_n\nROLE_n\n\nUnique ID\n\n2200.0148\n2200.0149\n2200.0150\n2200.0151\n2200.0141\n\nParent Container\n\nRELATIONSHIP\nRELATIONSHIP\nRELATIONSHIP\nSIGNATORY\nROLE\n\nMISMO Attribute\nName\n@xlink:arcrole\n@xlink:from\n@xlink:to\n@xlink:label\n@xlink:label\n\nSupported Attribute Enumerations\n\nurn:fdc:mismo.org:2009:residential/SIGNATORY_IsAssociatedWith_ROLE\nSIGNATORY_n\nROLE_n\nSIGNATORY_n\nROLE_n\n\nEvery party that signs the report is represented in the data using an arcrole. The Appraiser and Supervisory Appraiser signatures displayed in Figure\nArcrole - 2, represents a sample of the arcrole for signatories with a snapshot of the report.\n\nArcrole - 2\n\nPage 58\n"}

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chunks/json/0e91db7e3eedbcdde2ae410126a78918b2e6d451072b1afd50ab464f44b50195.json

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