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Primary Dwelling (continued)\n\nKitchen and Bathroom Details\n\nRoom\nKitchen\nLevel 1\n\nBath - Full\nLevel B1\n\nBath - Full\nLevel 2\n\nBath - Full\nLevel 2\n\nBath - Half\nLevel 1\n\nUpdate Status\nPartially Updated\n\nTime Frame\n5-10 years\n\nFully Updated\n\n1-5 years\n\nNot Updated\n\nNot Updated\n\nPartially Updated\n\n1-5 years\n\nQuality Comment\nUpgraded counters,\nmid-grade cabinets and\nappliances\n\nUpgraded fixtures,\nflooring, and\nwainscoting\n\nStandard grade fixtures,\nfloors, and cabinetry\n\nStandard grade fixtures,\nfloors, and cabinetry\n\nUpgraded fixtures and\nupdated flooring\n\nCondition Status\nNew or Like New\n\nCondition Comment\nWell maintained\n\nNew or Like New\n\nRecently received a gut\nrenovation\n\nTypical Wear and Tear\n\nMaintained\n\nTypical Wear and Tear\n\nMaintained\n\nNew or Like New\n\nRecent update and\nupgrade\n\nOverall Update Status for\nBathrooms\n\nModerately Updated\n\nInterior Features\n\nFeature\nFlooring\n\nDetail\nCarpet\n\nCeramic Tile\n\nHardwood\n\nVinyl\n\nWalls and Ceiling\n\n8 Ft. | 9 Ft. | Flat\n\nQuality Comment\nStandard Grade\n\nCondition Status\nTypical Wear and Tear\n\nCondition Comment\nUpdated 5-10 years ago\n\nTypical Wear and Tear\n\nUpdates in the last 5-10 years\n\nStandard grade - partial\nupgraded (1st floor full baths)\n\nStandard Grade\n\nStandard Grade\n\nStandard drywall meets\nmarket expectations for this\ntype of dwelling.\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nWell maintained\n"} diff --git a/chunks/json/0cf0dd0732f782d7b04ef20ef64f1fb88c3dfb6a41e39e087c65de3c0ee91462.json b/chunks/json/0cf0dd0732f782d7b04ef20ef64f1fb88c3dfb6a41e39e087c65de3c0ee91462.json new file mode 100644 index 0000000000000000000000000000000000000000..34ff5cf1609f40f215762d6780668a51c858aa95 --- /dev/null +++ b/chunks/json/0cf0dd0732f782d7b04ef20ef64f1fb88c3dfb6a41e39e087c65de3c0ee91462.json @@ -0,0 +1 @@ +{"chunk":{"char_end":19904,"char_start":16853,"chunk_id":"chk_5825a23ed0015398","chunk_index":9,"chunk_sha256":"0cf0dd0732f782d7b04ef20ef64f1fb88c3dfb6a41e39e087c65de3c0ee91462","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_da7dc2023b134aba","text_sha256":"0cf0dd0732f782d7b04ef20ef64f1fb88c3dfb6a41e39e087c65de3c0ee91462","token_estimate":799,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Prepayment_Monitoring_Report___U_S__FEDERAL_HOUSIN_i5mnol.md"]},"text":"{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"taxonomy\\/term\\/351\",\"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\\/prepayment-monitoring-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. 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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"} diff --git a/chunks/json/0d02e4405932d7509a4294d78950470405a71e5a33ee2d2a0505aa5549eb7451.json b/chunks/json/0d02e4405932d7509a4294d78950470405a71e5a33ee2d2a0505aa5549eb7451.json new file mode 100644 index 0000000000000000000000000000000000000000..e5b4267a9fea72d493f922f1765bc334e0d1e4b5 --- /dev/null +++ b/chunks/json/0d02e4405932d7509a4294d78950470405a71e5a33ee2d2a0505aa5549eb7451.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1106287,"char_start":1104493,"chunk_id":"chk_cdd57297e01f3daf","chunk_index":657,"chunk_sha256":"0d02e4405932d7509a4294d78950470405a71e5a33ee2d2a0505aa5549eb7451","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"0d02e4405932d7509a4294d78950470405a71e5a33ee2d2a0505aa5549eb7451","token_estimate":453,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"If field 1-182 (Car Storage Exists Indicator =\n'N') is indicated, then none of fields 1-183, 1-\n186, 1-188 (Car Storage Location Exists\nIndicator = 'Y' and values of Car Storage\nLocation Type) should be indicated. If field 1-\n182 is not indicated, then at least one of fields 1-\n183, 1-186, 1-188 should be indicated.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nR\n\nT\n\nR\n\nForm FNM 2055 FRE 2055\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 184 of 211\n\nDocument Version 1.4\n\nSort\nID\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\nField\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\nIf at least one of fields 1-186, 1-188 is indicated\n(Car Storage Location Type = 'Garage' or\n'Carport', and Car Storage Location Exists\nIndicator = 'Y'), than at least one of fields 1-\n190,1-191,1-192 (types of Car Storage\nAttachment Type) should be indicated. If\nneither of fields 1-186, 1-188 are indicated then\nnone of fields 1-190,1-191,1-192 should be\nindicated\nIf at least one of fields 1-186, 1-188 is indicated\n(Car Storage Location Type = 'Garage' or\n'Carport', and Car Storage Location Exists\nIndicator = 'Y'), than at least one of fields 1-\n190,1-191,1-192 (types of Car Storage\nAttachment Type) should be indicated. If\nneither of fields 1-186, 1-188 are indicated then\nnone of fields 1-190,1-191,1-192 should be\nindicated\nIf at least one of fields 1-186, 1-188 is indicated\n(Car Storage Location Type = 'Garage' or\n'Carport', and Car Storage Location Exists\nIndicator = 'Y'), than at least one of fields 1-\n190,1-191,1-192 (types of Car Storage\nAttachment Type) should be indicated. If\nneither of fields 1-186, 1-188 are indicated then\nnone of fields 1-190,1-191,1-192 should be\nindicated\n"} diff --git a/chunks/json/0d2a9699b06de7e445e72c15f3929e4b6189c7ee9f3efe24708701df31654864.json b/chunks/json/0d2a9699b06de7e445e72c15f3929e4b6189c7ee9f3efe24708701df31654864.json new file mode 100644 index 0000000000000000000000000000000000000000..7d62eb2bbf473ab233278634f0268ced4e3c7219 --- /dev/null +++ b/chunks/json/0d2a9699b06de7e445e72c15f3929e4b6189c7ee9f3efe24708701df31654864.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8013,"char_start":6411,"chunk_id":"chk_19898864ffe696cf","chunk_index":4,"chunk_sha256":"0d2a9699b06de7e445e72c15f3929e4b6189c7ee9f3efe24708701df31654864","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_44da942cd9ee500b","text_sha256":"0d2a9699b06de7e445e72c15f3929e4b6189c7ee9f3efe24708701df31654864","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Coop1_Appraisal/_.xml/Coop1_Appraisal_v1.3.xml"]},"text":"0\n\nLivingUnitBathroomCount\n\n-30200\n\nLivingUnitStandardFinishedAreaAboveGrade\n\n585800\n\nLess\n\ntrue\n\n457\n\n2\n\n0.0\n\n-35200\n\ntrue\n\nHistoricPreservation\n\nConditionsCovenantsRestrictions\n\n2631\n\nMonthly\n\nAssociationDues\n\nDwelling\n\n1971\n\nfalse\n\n1360\n\n0\n\nfalse\n\n1\n\n11\n\n1\n\n1\n\nC3\n\nQ3\n\nHighrise\n\n1\n\nForcedWarmAir\n\nPropertyPhoto\n\n\\\\Images\\Coop_Dwelling_Front.png\n\nimage/png\n\n25\n\n615000\n\nSettledSale\n\n25.165175\n\n-51.328127\n\nOther\n\nTheater\n\nIngroundPool\n\nCooperative\n\nXYZ Apartments\n\n0\n\nAttached\n\n1\n\nfalse\n\n1\n\nC3\n\nQ3\n\nfalse\n\nfalse\n\ntrue\n\nfalse\n\ntrue\n\ntrue\n\n2019-07-20\n\n5000\n\n2019-08-04\n\n621000\n\nSale\n\nNone\n\ntrue\n\nFull\n\nResidential\n\nFull\n\nCityStreet\n\n1350 Riverside Ave, NW\n\nUnit\n\n1627\n\nWashington\n\n20001\n\nDC\n\nParkingGarage\n\n1\n\nOwned\n\n-5000\n\nLivingUnitBathroomCount\n\n0\n\nProjectInformation\n\n0\n\nSaleDate\n\n0\n\nContractDate\n\n10000\n\nPropertyRestriction\n\n-10000\n\nView\n\n0\n\nYearBuilt\n\n0\n\nLivingUnitFloorNumber\n\n27800\n\nLivingUnitStandardFinishedAreaAboveGrade\n\n0\n\nLivingUnitBathroomCount\n\n592800\n\nNorthWest\n\nLess\n\ntrue\n\n533\n\n3\n\n0.13\n\n22800\n\nfalse\n\n2096\n\nMonthly\n\nAssociationDues\n\nDwelling\n\n1965\n\nfalse\n\n1070\n\n0\n\nfalse\n\n1\n\n16\n\n1\n\n1\n\nC3\n\nQ3\n\nHighrise\n\n1\n\nForcedWarmAir\n\nPropertyPhoto\n\n\\\\Images\\Coop_Comparable.png\n\nimage/png\n\n40\n\n570000\n\nSettledSale\n\n25.165176\n\n-51.328128\n\nClubhouse\n\nFitnessArea\n\nIngroundPool\n\nCooperative\n\nMNO Apartments\n\n0\n\nAttached\n\n1\n\nfalse\n\n1\n\nC3\n\nQ3\n\nfalse\n\nfalse\n\ntrue\n\nfalse\n\nfalse\n\n2019-07-14\n\n2019-07-14\n\n570000\n\nSale\n\nNone\n\ntrue\n\nFull\n\nResidential\n\nFull\n\nPark\n\n2700 Bar Harbor Ave, NW\n\nUnit\n\n1009\n\nWashington\n\n20001\n\nDC\n\n1\n\nSettledSale\n\nThe unit is much smaller than the subject.\n\nfalse\n\nGrossLivingArea\n"} diff --git a/chunks/json/0d31ad1f4b722121f36c532ab8bb78a212594f067a550f874566f7ceeb1bfeda.json b/chunks/json/0d31ad1f4b722121f36c532ab8bb78a212594f067a550f874566f7ceeb1bfeda.json new file mode 100644 index 0000000000000000000000000000000000000000..b11ee303ad4d73b71d503a35d7e4a2f6084c473c --- /dev/null +++ b/chunks/json/0d31ad1f4b722121f36c532ab8bb78a212594f067a550f874566f7ceeb1bfeda.json @@ -0,0 +1 @@ +{"chunk":{"char_end":442303,"char_start":440610,"chunk_id":"chk_122ebd5d4f9bf292","chunk_index":341,"chunk_sha256":"0d31ad1f4b722121f36c532ab8bb78a212594f067a550f874566f7ceeb1bfeda","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"0d31ad1f4b722121f36c532ab8bb78a212594f067a550f874566f7ceeb1bfeda","token_estimate":423,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"1300.0013\n\nMarketingOrExposureDaysCount\n\n1300.0014\n1300.0015\n\nMarketingOrExposureHighRangeDaysCount\nMarketingOrExposureLowRangeDaysCount\n\n26.011\n\nEffective Date of Appraisal\n\n1300.0012\n\nAppraisalReportEffectiveDate\n\n26.012\n\nFHA REO Insurability Level\n\n1300.0020\n\nFHA_REOInsurabilityLevelCode\n\n26.013\n\nFinal Value Condition\nStatement\n\nFigure 26 - 2\n\n−\n\nCannot be delivered as \"AsIs\" when any\nDefectItemRecommendedActionType <> \"None\".\n\nAlways displays\nThe data must be provided in 1 of 2 ways:\n\n−\n−\n\na single number followed by “days”, (e.g., 45 days) OR\ntwo numbers indicating a range with the low and high numbers\nseparated by “-“ and followed by “days” (e.g., 30-60 days).\n\nAlways displays\nDisplay when GovernmentAgencyAppraisalIndicator = \"true\" AND\nGovernmentAgencyAppraisalType = \"FHA\" AND ValuationAssignmentType =\n\"REO\"\nSee Final Value Condition Statement for display rules.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 350\n\nFinal Value Condition Statement\n\nThe Final Value Condition Statement is a text field, which is created based on the valid value(s) of Market Value Condition.\n\n• Market Value Condition - PropertyValuationConditionalConclusionType (UID: 1300.0010, FID: 26.009)\n\nNote: When Market Value Condition – PropertyValuationConditionalConclusionType = “AsIs”, the Final\n\nValue Condition Statement does not display.\n\nStart with the text, “This appraisal is made”\n\nIf Market Value\nCondition is…\nSubject to\nCompletion Per Plans\n\nSubject to Inspection\n\nSubject to Repair\n\nDisplay Text\n\nReconciliation: Final Value Condition Statement\n\nsubject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been completed\n"} diff --git a/chunks/json/0d3edd75efd848257a285ea7d1fafe8720a096ec0de7d90905e6da9aec705d4e.json b/chunks/json/0d3edd75efd848257a285ea7d1fafe8720a096ec0de7d90905e6da9aec705d4e.json new file mode 100644 index 0000000000000000000000000000000000000000..f841f32d0fa00d6f79d5b289cceef9fa2b56a6e1 --- /dev/null +++ b/chunks/json/0d3edd75efd848257a285ea7d1fafe8720a096ec0de7d90905e6da9aec705d4e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":125922,"char_start":124272,"chunk_id":"chk_c30c9692246d656a","chunk_index":72,"chunk_sha256":"0d3edd75efd848257a285ea7d1fafe8720a096ec0de7d90905e6da9aec705d4e","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"0d3edd75efd848257a285ea7d1fafe8720a096ec0de7d90905e6da9aec705d4e","token_estimate":413,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"If Yes, all dwellings on the property are 100% newly constructed, including the\nfoundation, were completed in the past 12 months, have never been occupied,\nand exhibit no signs of wear or use.\n\nReference the condition rating definitions in Appendix 2: Condition and Quality\nRating Definitions.\n\nAppendix F-1: URAR Reference Guide\n\nPage 48 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n03 Subject Property\n\nReport\nField ID\n\n3.018\n\nSubject Property: Subject Property Characteristics (Checkboxes)\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nConstruction\nStage\n\nRequired for FHA and\nVA appraisals when\nNew Construction is\nYes\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nComplete\nProposed\nUnder Construction\n\nThe stage of construction at the time of the inspection.\n•\n•\n•\nReference the appropriate government agency appraisal guidelines for more\ninformation.\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nProject Legal Structure (Choose one)\n\nCondominium\n\nCooperative\n\nCondop\n\nA project that has condominium ownership rights.\n\nA project that has cooperative ownership rights.\n\nA project that contains units with both cooperative and condominium ownership rights.\nExample: A mixed-use condo building with commercial spaces that are individual condo units, and a residential portion\nthat is a cooperative consisting of individual residential co-op units (all of the residential co-op units together make up one\ncondominium unit).\n\nAttachment Type and Number of Units, ADUs, and Dwellings\n\nSubject Property: Attachment Type and Number of Units, ADUs, and Dwellings\n"} diff --git a/chunks/json/0d4557cbc81fe329c00c7e6a5f1241b57fe620ab13879b85b421f7de5e6a63c2.json b/chunks/json/0d4557cbc81fe329c00c7e6a5f1241b57fe620ab13879b85b421f7de5e6a63c2.json new file mode 100644 index 0000000000000000000000000000000000000000..d9c912c1c352a3e6865eb7f4c674c6309c38efdb --- /dev/null +++ b/chunks/json/0d4557cbc81fe329c00c7e6a5f1241b57fe620ab13879b85b421f7de5e6a63c2.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0d47a20c92c08ab6c96523378a176ac1707a9ad6ac184069895ee0cc68349aac.json b/chunks/json/0d47a20c92c08ab6c96523378a176ac1707a9ad6ac184069895ee0cc68349aac.json new file mode 100644 index 0000000000000000000000000000000000000000..98da40d9df9dbf8d91edc2d984b75d11fbd57fb0 --- /dev/null +++ b/chunks/json/0d47a20c92c08ab6c96523378a176ac1707a9ad6ac184069895ee0cc68349aac.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0d4c41c9ff6bab758ac4780d2692769e435083dd132e3d536733d622228dacc7.json b/chunks/json/0d4c41c9ff6bab758ac4780d2692769e435083dd132e3d536733d622228dacc7.json new file mode 100644 index 0000000000000000000000000000000000000000..6d30e23cafddcd3d7a98f11f5974f667f3d52144 --- /dev/null +++ b/chunks/json/0d4c41c9ff6bab758ac4780d2692769e435083dd132e3d536733d622228dacc7.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0d66f18609781124129ccb9aff9300ee45de9c1b25a7c042c1521760e6749ef1.json b/chunks/json/0d66f18609781124129ccb9aff9300ee45de9c1b25a7c042c1521760e6749ef1.json new file mode 100644 index 0000000000000000000000000000000000000000..4c06edab17f254e880853e2d4f27328275ea2f05 --- /dev/null +++ b/chunks/json/0d66f18609781124129ccb9aff9300ee45de9c1b25a7c042c1521760e6749ef1.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0d6c1e0b6ac48182069249a144235905c98c7b117baa536c3fa725f457a2a12b.json b/chunks/json/0d6c1e0b6ac48182069249a144235905c98c7b117baa536c3fa725f457a2a12b.json new file mode 100644 index 0000000000000000000000000000000000000000..4296bea288a30336e0f1f81e10c737d1a53a6d9a --- /dev/null +++ b/chunks/json/0d6c1e0b6ac48182069249a144235905c98c7b117baa536c3fa725f457a2a12b.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0d6cc43843807d1f5d7d1da93c4d0fa5b455da5d8a83b66e6182b63c6853898d.json b/chunks/json/0d6cc43843807d1f5d7d1da93c4d0fa5b455da5d8a83b66e6182b63c6853898d.json new file mode 100644 index 0000000000000000000000000000000000000000..f22569e6e07642de51b13d83abf1a7fb6793cafa --- /dev/null +++ b/chunks/json/0d6cc43843807d1f5d7d1da93c4d0fa5b455da5d8a83b66e6182b63c6853898d.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0d7e19e1e29b1d4004e202c7e93901e8b47a745deee5042d52c1b54631ebc271.json b/chunks/json/0d7e19e1e29b1d4004e202c7e93901e8b47a745deee5042d52c1b54631ebc271.json new file mode 100644 index 0000000000000000000000000000000000000000..d7aa45b93b974f79be9d7fea19fab2ec7fbae516 --- /dev/null +++ b/chunks/json/0d7e19e1e29b1d4004e202c7e93901e8b47a745deee5042d52c1b54631ebc271.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0d81a1fa295ed9a3b08da1c3a7c1ebed12f75db81dbbd999fdcd62f40a825b17.json b/chunks/json/0d81a1fa295ed9a3b08da1c3a7c1ebed12f75db81dbbd999fdcd62f40a825b17.json new file mode 100644 index 0000000000000000000000000000000000000000..0a89bfda96ec480b5e6d8a579e884c2b6a98c960 --- /dev/null +++ b/chunks/json/0d81a1fa295ed9a3b08da1c3a7c1ebed12f75db81dbbd999fdcd62f40a825b17.json @@ -0,0 +1 @@ +{"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. 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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"} diff --git a/chunks/json/0d81d6ea0b1bf6f659230c9a746c1937f5494017d9e5425653a7393c2926878c.json b/chunks/json/0d81d6ea0b1bf6f659230c9a746c1937f5494017d9e5425653a7393c2926878c.json new file mode 100644 index 0000000000000000000000000000000000000000..7cecb503f578a5e466984cd9d427c237f36b6af2 --- /dev/null +++ b/chunks/json/0d81d6ea0b1bf6f659230c9a746c1937f5494017d9e5425653a7393c2926878c.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0d8a83ce0b7f95b51cf9733ec933d8544cc1d31497663b870ecd0b87b25fa210.json b/chunks/json/0d8a83ce0b7f95b51cf9733ec933d8544cc1d31497663b870ecd0b87b25fa210.json new file mode 100644 index 0000000000000000000000000000000000000000..fb784fbd89e01113225c07466e10ef777fcb2e84 --- /dev/null +++ b/chunks/json/0d8a83ce0b7f95b51cf9733ec933d8544cc1d31497663b870ecd0b87b25fa210.json @@ -0,0 +1 @@ +{"chunk":{"char_end":193061,"char_start":191354,"chunk_id":"chk_5d58fc2dcf023e78","chunk_index":107,"chunk_sha256":"0d8a83ce0b7f95b51cf9733ec933d8544cc1d31497663b870ecd0b87b25fa210","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"0d8a83ce0b7f95b51cf9733ec933d8544cc1d31497663b870ecd0b87b25fa210","token_estimate":426,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"\n \n\nBuyer\n 366.00\n BeforeClosing<\n\n/IntegratedDisclosureSubsectionPaymentTimingType>\n\n\n \n\n\n\n\n…\n\n\n\n\n\n1566.00\nTotalClosingCosts\nClosingCostsSubtotal\n\n\n\n\n\nBuyer\n3200.00\nAtClosing<\n\n/IntegratedDisclosureSubsectionPaymentTimingType>\n\n\n\n\nBuyer\n4522.00\nBeforeClosing<\n"} diff --git a/chunks/json/0d904db1de0c6f3d333294cf64f1c93abebaec7941ea26f0d9dcd7fd4a35d807.json b/chunks/json/0d904db1de0c6f3d333294cf64f1c93abebaec7941ea26f0d9dcd7fd4a35d807.json new file mode 100644 index 0000000000000000000000000000000000000000..010b9aa39a016f1c9b2bf7dafb9d290eae051b40 --- /dev/null +++ b/chunks/json/0d904db1de0c6f3d333294cf64f1c93abebaec7941ea26f0d9dcd7fd4a35d807.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0d9128424fd522b19d056f4ec5fc21fd9a215a2c4b90cce776dae7741618d96b.json b/chunks/json/0d9128424fd522b19d056f4ec5fc21fd9a215a2c4b90cce776dae7741618d96b.json new file mode 100644 index 0000000000000000000000000000000000000000..6f32e13092468eb3573ee03186d74f71bd2f4248 --- /dev/null +++ b/chunks/json/0d9128424fd522b19d056f4ec5fc21fd9a215a2c4b90cce776dae7741618d96b.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0d923d0908370a2c536896b46f06c052bed169888c9941ea7a8d6bb22c843b59.json b/chunks/json/0d923d0908370a2c536896b46f06c052bed169888c9941ea7a8d6bb22c843b59.json new file mode 100644 index 0000000000000000000000000000000000000000..16ec7cf3ea908a67be0f5f57a07a86026bcbecbb --- /dev/null +++ b/chunks/json/0d923d0908370a2c536896b46f06c052bed169888c9941ea7a8d6bb22c843b59.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0d9e35dce9ffb6c683fe1aa045306d933e2f54fb802ceb9335746f3527e4fb9e.json b/chunks/json/0d9e35dce9ffb6c683fe1aa045306d933e2f54fb802ceb9335746f3527e4fb9e.json new file mode 100644 index 0000000000000000000000000000000000000000..eee76366746a05e1785337a88581507edc7a0a20 --- /dev/null +++ b/chunks/json/0d9e35dce9ffb6c683fe1aa045306d933e2f54fb802ceb9335746f3527e4fb9e.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0da6b813bb828fc4759faadd23d4bc76cfd3405c366ca22cfced82acbda1d289.json b/chunks/json/0da6b813bb828fc4759faadd23d4bc76cfd3405c366ca22cfced82acbda1d289.json new file mode 100644 index 0000000000000000000000000000000000000000..2efe9b97b99c5ae1a350bf73d02173b4323ca59f --- /dev/null +++ b/chunks/json/0da6b813bb828fc4759faadd23d4bc76cfd3405c366ca22cfced82acbda1d289.json @@ -0,0 +1 @@ +{"chunk":{"char_end":126783,"char_start":124980,"chunk_id":"chk_5b7c64751d1d6c2c","chunk_index":67,"chunk_sha256":"0da6b813bb828fc4759faadd23d4bc76cfd3405c366ca22cfced82acbda1d289","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"0da6b813bb828fc4759faadd23d4bc76cfd3405c366ca22cfced82acbda1d289","token_estimate":446,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"\n \n\n\n \n\n\n\nThirdPartyProvider\n Prepaids\n 6\n\nCountyPropertyTax\n\n\n \n\n\n\nUCD v2.0 Implementation Guide\n\n- 52 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 38. XML Snippet-Prepaid Line Items.\n\n\n\nAny County USA\n\n\n\n\n\n\n \n \n\n315.90\n Buyer\n AtClosing\n\n\n \n\n315.90\n Seller\n BeforeClosing\n\n\n \n\n\n \n\n…\n\n\nUCD v2.0 Implementation Guide\n\n- 53 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nG. PRORATION ITEM DATA\n\nIn a purchase transaction, prorations are any amounts due from the seller to reimburse the borrower at closing, prorated for\nthe period corresponding to each amount. Examples include city, town, or county taxes, assessments, and any additional\nitems paid by the borrower prior to closing that are due from the seller at closing.\n"} diff --git a/chunks/json/0daa70d6eae4a12d0c2c7a9aa9661af8bfbec4fd63cbf38ec8ac49d050d49382.json b/chunks/json/0daa70d6eae4a12d0c2c7a9aa9661af8bfbec4fd63cbf38ec8ac49d050d49382.json new file mode 100644 index 0000000000000000000000000000000000000000..ba14d50c54781cf6f28ac11392ed940083469d4b --- /dev/null +++ b/chunks/json/0daa70d6eae4a12d0c2c7a9aa9661af8bfbec4fd63cbf38ec8ac49d050d49382.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0db8e9a4ff995d114c183356ef7ac520f7797d3b2c368e129d52f04a9ff0cd11.json b/chunks/json/0db8e9a4ff995d114c183356ef7ac520f7797d3b2c368e129d52f04a9ff0cd11.json new file mode 100644 index 0000000000000000000000000000000000000000..3951cabaf392c53e744e889d5b6d5c5c821aac43 --- /dev/null +++ b/chunks/json/0db8e9a4ff995d114c183356ef7ac520f7797d3b2c368e129d52f04a9ff0cd11.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10883,"char_start":10421,"chunk_id":"chk_07bb83d72c2bcfac","chunk_index":16,"chunk_sha256":"0db8e9a4ff995d114c183356ef7ac520f7797d3b2c368e129d52f04a9ff0cd11","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"0db8e9a4ff995d114c183356ef7ac520f7797d3b2c368e129d52f04a9ff0cd11","token_estimate":422,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Overview ................................................................................................................................................................................................................................... 31\n\nData Mapping and PDF Rendering ........................................................................................................................................................................................... 31\n"} diff --git a/chunks/json/0dba78e2ec4bc46e14268ba0e4e3c1b297e5479efaad4587352276bf564bdbed.json b/chunks/json/0dba78e2ec4bc46e14268ba0e4e3c1b297e5479efaad4587352276bf564bdbed.json new file mode 100644 index 0000000000000000000000000000000000000000..2863d151dc6dfc66f408ac2df5c818bd599376b2 --- /dev/null +++ b/chunks/json/0dba78e2ec4bc46e14268ba0e4e3c1b297e5479efaad4587352276bf564bdbed.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16505,"char_start":13901,"chunk_id":"chk_d5d28daa8a8863d1","chunk_index":8,"chunk_sha256":"0dba78e2ec4bc46e14268ba0e4e3c1b297e5479efaad4587352276bf564bdbed","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d219a2955dbc105a","text_sha256":"0dba78e2ec4bc46e14268ba0e4e3c1b297e5479efaad4587352276bf564bdbed","token_estimate":771,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Fair_Lending_Data___FHFA_12qo7.md"]},"text":"## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/17756\",\"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); })();\n"} diff --git a/chunks/json/0dca3008ec503760b427352fc3847a41701d6c256e92b4a0e5534d904ce38f80.json b/chunks/json/0dca3008ec503760b427352fc3847a41701d6c256e92b4a0e5534d904ce38f80.json new file mode 100644 index 0000000000000000000000000000000000000000..c83628a7f545ea099eb946af3a89a91a85289c8e --- /dev/null +++ b/chunks/json/0dca3008ec503760b427352fc3847a41701d6c256e92b4a0e5534d904ce38f80.json @@ -0,0 +1 @@ +{"chunk":{"char_end":446015,"char_start":444249,"chunk_id":"chk_a05527b574569b5f","chunk_index":261,"chunk_sha256":"0dca3008ec503760b427352fc3847a41701d6c256e92b4a0e5534d904ce38f80","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"0dca3008ec503760b427352fc3847a41701d6c256e92b4a0e5534d904ce38f80","token_estimate":442,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"PROJECT\nINFORMATION\n\nProject Description\nRow or Townhouse\n\nProject Design\nType\n\nThis field specifies the type of design for\nthe multiple unit buildings in a project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DesignType='Townhou\nseRowhouse']\n\nPROJECT\nINFORMATION\n\nProject Description\nGarden\n\nProject Design\nType\n\nThis field specifies the type of design for\nthe multiple unit buildings in a project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DesignType='GardenPr\noject']\n\nPROJECT\nINFORMATION\n\nProject Description\nMid-Rise\n\nProject Design\nType\n\nThis field specifies the type of design for\nthe multiple unit buildings in a project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DesignType='MidrisePr\noject']\n\nPROJECT\nINFORMATION\n\nProject Description\nHigh-Rise\n\nProject Design\nType\n\nThis field specifies the type of design for\nthe multiple unit buildings in a project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DesignType='HighriseP\nroject']\n\nPROJECT\nINFORMATION\n\nProject Description\nOther\n\nProject Design\nType\n\nThis field specifies the type of design for\nthe multiple unit buildings in a project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DesignType='Other']\n\nPROJECT\nINFORMATION\n\nProject Description\nOther (describe)\n\nProject Design\nType Other\nDescription\n\nA free-form text field used to describe the\ndesign if Other is selected as the Project\nDesign Type.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DesignType='Other']/@\n_DesignTypeOtherDescription\n\nPROJECT\nINFORMATION\n\n# of Stories\n\nGSE Stories Count\n\nThe number of whole or partial stories of\nthe property.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_EXTE\nNSION/STRUCTURE_EXTENSION_SECTION[@ExtensionSectionOrganizatio\nnName='UNIFORM APPRAISAL\nDATASET']/STRUCTURE_EXTENSION_SECTION_DATA/STRUCTURE_IN\nFORMATION/@GSEStoriesCount\n"} diff --git a/chunks/json/0dde72b87047813bbf063ff46854265eaae489eeb359eeadedb720b2d40c0c40.json b/chunks/json/0dde72b87047813bbf063ff46854265eaae489eeb359eeadedb720b2d40c0c40.json new file mode 100644 index 0000000000000000000000000000000000000000..bf2046b6b0b71f08c10097dd1f7cf56e7088aee8 --- /dev/null +++ b/chunks/json/0dde72b87047813bbf063ff46854265eaae489eeb359eeadedb720b2d40c0c40.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1726,"char_start":0,"chunk_id":"chk_e177e962a636188b","chunk_index":0,"chunk_sha256":"0dde72b87047813bbf063ff46854265eaae489eeb359eeadedb720b2d40c0c40","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_874d0463a2fa2d83","text_sha256":"0dde72b87047813bbf063ff46854265eaae489eeb359eeadedb720b2d40c0c40","token_estimate":527,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Guarantee_Fees_History___FHFA_hq9o1.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/policy/guarantee-fees\"\ndate_accessed: \"2026-01-27T17:47:56.880Z\"\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"} diff --git a/chunks/json/0de67861d1a9c4c3d4b65b2b9b323c770a6cb14d5329c960143bd2840c4dac20.json b/chunks/json/0de67861d1a9c4c3d4b65b2b9b323c770a6cb14d5329c960143bd2840c4dac20.json new file mode 100644 index 0000000000000000000000000000000000000000..3ebb82b1b452d6c6125688405f3bfc77a3980c70 --- /dev/null +++ b/chunks/json/0de67861d1a9c4c3d4b65b2b9b323c770a6cb14d5329c960143bd2840c4dac20.json @@ -0,0 +1 @@ +{"chunk":{"char_end":587381,"char_start":585782,"chunk_id":"chk_3536f46f8d9152bb","chunk_index":338,"chunk_sha256":"0de67861d1a9c4c3d4b65b2b9b323c770a6cb14d5329c960143bd2840c4dac20","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"0de67861d1a9c4c3d4b65b2b9b323c770a6cb14d5329c960143bd2840c4dac20","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Area Data Source\n\nLevel and Room Detail\n\n1,260 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\nPhysical Measurement\n\nLevels in Unit\nOccupancy\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n1\nOwner\n3\n2\n0\n\nLevel in Unit\nLevel 1\n\nGrade Level Detail\nAbove Grade\n\nFinish\nFinished\n\nArea\n1,260 Sq. Ft.\n\nRoom Summary\n2 - Bath - Full\n3 - Bedroom\n1 - Dining Room\n1 - Kitchen\n1 - Living Room\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ4\n\nInterior Condition Rating\n\nC3\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report\n\nKitchen and Bathroom Details\n\nRoom\nKitchen\nLevel 1\n\nBath – Full\nLevel 1\n\nBath – Full\nLevel 1\n\nUpdate Status\nNot Updated\n\nTime Frame\n\nNot Updated\n\nNot Updated\n\nQuality Comment\nUpgraded cabinetry,\nceramic tile flooring,\nand upgraded\nappliances\n\nStandard grade\ncabinetry and\nplumbing fixtures\n\nStandard grade\ncabinetry and\nplumbing fixtures\n\nCondition Status\nTypical Wear and Tear\n\nCondition Comment\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nOverall Update Status for\nBathrooms\n\nNot Updated\n\nInterior Features\n\nFeature\nFlooring\n\nWalls and Ceiling\n\nDetail\nCarpet\n\nCeramic Tile\n\n8 Ft. | Flat\n\nOverall Update Status for\nFlooring\n\nNot Updated\n\nQuality Comment\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nCondition Comment\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5)\n\nUniform Residential Appraisal Report\n\nPage 6 of 19\nPage 6 of 19\n\nUnit Interior (continued)\n"} diff --git a/chunks/json/0e07f3fdb6124927ee4999c518b0fa3ec3c4bb513117c06dbebfd181b360c945.json b/chunks/json/0e07f3fdb6124927ee4999c518b0fa3ec3c4bb513117c06dbebfd181b360c945.json new file mode 100644 index 0000000000000000000000000000000000000000..c0d8fd766268feb72f2f2c994b72235e41dd57dd --- /dev/null +++ b/chunks/json/0e07f3fdb6124927ee4999c518b0fa3ec3c4bb513117c06dbebfd181b360c945.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13995,"char_start":12143,"chunk_id":"chk_5e285839c3c04e52","chunk_index":4,"chunk_sha256":"0e07f3fdb6124927ee4999c518b0fa3ec3c4bb513117c06dbebfd181b360c945","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2b6a9e94e3fa6d9e","text_sha256":"0e07f3fdb6124927ee4999c518b0fa3ec3c4bb513117c06dbebfd181b360c945","token_estimate":544,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Freddie_Mac_Single_Fam_r5x1k.md"]},"text":"- Spacer\n - [TPO Direct Access Sign-up](/tools-learning/technology-tools/third-party-originator-direct-access)\n - [TPO Sponsored Access Sign-up](/tools-learning/technology-tools/third-party-originator-sponsored-access)\n - [Software Provider](/tools-learning/integration-partners/software-providers)\n\n- Spacer\n - [API Solutions](/tools-learning/apis/how-apis-work)\n - [ECO: Evaluate | Compare | Optimize](/tools-learning/eco/overview)\n\n- Spacer\n - [Uniform Mortgage Data Program (UMDP)](/tools-learning/uniform-mortgage-data-program/overview)\n - [Uniform Instruments](/tools-learning/uniform-instruments/overview)\n\n- Browse\n - [All Insights & Research](/news-insights#insights)\n - [All News & Announcements](/news-insights#latest-news)\n\n- Featured Topics\n - [Mortgage Technology](/news-insights?topics%5B396%5D=396#insights)\n - [Business](/news-insights?topics%5B326%5D=326#insights)\n - [Market of the Future](/news-insights?topics%5B381%5D=381#insights)\n\n- Media\n - [Home Starts Here Podcast](/news-insights/home-starts-here-podcast/overview)\n\nEnter your search\n\nSearch\n\n- [Uniform Mortgage Data Program® (UMDP® )](/tools-learning/uniform-mortgage-data-program/overview)\n\n- [UAD](/tools-learning/uniform-mortgage-data-program/uad)\n - [UCD](/tools-learning/uniform-mortgage-data-program/ucd)\n - [URLA](/tools-learning/uniform-mortgage-data-program/ulad)\n - [ULDD](/tools-learning/uniform-mortgage-data-program/uldd)\n - [UCDP](/tools-learning/uniform-mortgage-data-program/ucdp)\n - [UPD](/tools-learning/uniform-mortgage-data-program/upd)\n UAD - [UCD](/tools-learning/uniform-mortgage-data-program/ucd)\n- [URLA](/tools-learning/uniform-mortgage-data-program/ulad)\n- [ULDD](/tools-learning/uniform-mortgage-data-program/uldd)\n- [UCDP](/tools-learning/uniform-mortgage-data-program/ucdp)\n- [UPD](/tools-learning/uniform-mortgage-data-program/upd)\n"} diff --git a/chunks/json/0e08b14a5883ce8e7171391e60e512f4d5072da64996fd9de8d5fa743f9b5df5.json b/chunks/json/0e08b14a5883ce8e7171391e60e512f4d5072da64996fd9de8d5fa743f9b5df5.json new file mode 100644 index 0000000000000000000000000000000000000000..de0429c2e3cf8e295334262b3ceea6c765e3dc68 --- /dev/null +++ b/chunks/json/0e08b14a5883ce8e7171391e60e512f4d5072da64996fd9de8d5fa743f9b5df5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18928,"char_start":15851,"chunk_id":"chk_2363c7aac1a565bf","chunk_index":9,"chunk_sha256":"0e08b14a5883ce8e7171391e60e512f4d5072da64996fd9de8d5fa743f9b5df5","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f3ea5443d4283d2a","text_sha256":"0e08b14a5883ce8e7171391e60e512f4d5072da64996fd9de8d5fa743f9b5df5","token_estimate":948,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Executive_Compensation___FHFA_4x14xg.md"]},"text":"---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/12711\",\"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); })();\n"} diff --git a/chunks/json/0e0a17c5e49a1b385f425d94cc70e1942ea3d2b0ec85c0de4a341237d5f7f351.json b/chunks/json/0e0a17c5e49a1b385f425d94cc70e1942ea3d2b0ec85c0de4a341237d5f7f351.json new file mode 100644 index 0000000000000000000000000000000000000000..cd74ddc326e4cfdf327ffc741972f6b6be72c633 --- /dev/null +++ b/chunks/json/0e0a17c5e49a1b385f425d94cc70e1942ea3d2b0ec85c0de4a341237d5f7f351.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1099544,"char_start":1097847,"chunk_id":"chk_f7b86fe0dcd37e90","chunk_index":653,"chunk_sha256":"0e0a17c5e49a1b385f425d94cc70e1942ea3d2b0ec85c0de4a341237d5f7f351","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"0e0a17c5e49a1b385f425d94cc70e1942ea3d2b0ec85c0de4a341237d5f7f351","token_estimate":425,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"177\n\nIMPROVEMENTS\n\n178\n\nIMPROVEMENTS\n\nAmenities\nPool Description\n\nAmenities\nFence\n\nAmenity Detailed\nDescription\n\nA free-form text field used to describe, in\ndetail, the amenity specified by Amenity\nType.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T\nype='Pool']/@_DetailedDescription\n\nAmenity Exists\nIndicator\n\nIndicates that the amenity specified by\nAmenity Type is present in the structure.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T\nype='Fence']/@_ExistsIndicator\n\n179\n\nIMPROVEMENTS\n\nAmenities\nFence Description\n\nAmenity Detailed\nDescription\n\nA free-form text field used to describe, in\ndetail, the amenity specified by Amenity\nType.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T\nype='Fence']/@_DetailedDescription\n\n180\n\nIMPROVEMENTS\n\nAmenities\nOther\n\nAmenity Exists\nIndicator\n\nIndicates that the amenity specified by\nAmenity Type is present in the structure.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T\nype='Other']/@_ExistsIndicator\n\n181\n\nIMPROVEMENTS\n\nAmenities\nOther Description\n\nAmenity Type Other\nDescription\n\nA free-form text field used to describe the\namenity if Other is selected as the\nAmenity Type.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_T\nype='Other']/@_TypeOtherDescription\n\nFormat\n\nString\n\nData Point\nField\nLength\n\n12\n\n1\n\n10\n\n1\n\n10\n\nUAD Instruction - Refer to Appendix D Improvements Section\nThis field should contain a description of the pool. If there is no pool, indicate\n'None'\n\nBoolean\n\nA value of 'Y' indicates a fence exists, a value of 'N' indicates the box is not\nchecked.\n\nString\n\nUAD Instruction - Refer to Appendix D Improvements Section\nThis field should contain a description of the fence. If there is no fence indicate\n'None'\n"} diff --git a/chunks/json/0e140ecf574c09940d36fe6198f9a08b37e0987eea7f16fd5ea0b3484553b018.json b/chunks/json/0e140ecf574c09940d36fe6198f9a08b37e0987eea7f16fd5ea0b3484553b018.json new file mode 100644 index 0000000000000000000000000000000000000000..c385d679250a717303c555eba359109f21bc066e --- /dev/null +++ b/chunks/json/0e140ecf574c09940d36fe6198f9a08b37e0987eea7f16fd5ea0b3484553b018.json @@ -0,0 +1 @@ +{"chunk":{"char_end":27931,"char_start":26255,"chunk_id":"chk_a050f4bc80b7e8f9","chunk_index":16,"chunk_sha256":"0e140ecf574c09940d36fe6198f9a08b37e0987eea7f16fd5ea0b3484553b018","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5d9c7b086b7218c1","text_sha256":"0e140ecf574c09940d36fe6198f9a08b37e0987eea7f16fd5ea0b3484553b018","token_estimate":418,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Desktop_70D.pdf"]},"text":"19.\nrelied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal or\nthe preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this\nappraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make a\nchange to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no\nresponsibility for it.\n\nI identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that\n\n20.\nordered and will receive this appraisal report.\n\nFreddie Mac Form 70D July 2020\n\n226\n\nPage 5 of 6\n\nFannie Mae Form 1004 Desktop July 2020\n\n2\n\nUniform Residential Appraisal Report (Hybrid)\n\nFile # 3\n\n4 4a\n\n21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower;\nthe mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market\nparticipants; data collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality\nof the United States; and any state, the District of Columbia, or other jurisdictions; without having to obtain the appraiser’s or\nsupervisory appraiser’s (if applicable) consent. Such consent must be obtained before this appraisal report may be disclosed or\ndistributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other\nmedia).\n"} diff --git a/chunks/json/0e3004022b02e4e1aad6fb8310bb3cea12d5f89ee1e81250146ae80cd2a89019.json b/chunks/json/0e3004022b02e4e1aad6fb8310bb3cea12d5f89ee1e81250146ae80cd2a89019.json new file mode 100644 index 0000000000000000000000000000000000000000..666d3a01d9f570abf4e037f3d17416754cb4a0b3 --- /dev/null +++ b/chunks/json/0e3004022b02e4e1aad6fb8310bb3cea12d5f89ee1e81250146ae80cd2a89019.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1167619,"char_start":1165993,"chunk_id":"chk_9159bb031bb69d04","chunk_index":693,"chunk_sha256":"0e3004022b02e4e1aad6fb8310bb3cea12d5f89ee1e81250146ae80cd2a89019","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"0e3004022b02e4e1aad6fb8310bb3cea12d5f89ee1e81250146ae80cd2a89019","token_estimate":407,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SAL\nE_PRICE_ADJUSTMENT[@_Type='DateOfSale']/@_Amount\n\n10\n\nMoney\n\n292\n\n2\n\ne-14\n\nSALES\nCOMPARISON\nAPPROACH\n\nLocation\n\n(Overall Rating)\n\nGSE Overall\nLocation Rating\nType\n\nThe overall rating of the location\nassociated with the property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM\nPARISON_LOCATION_OVERALL_RATING_EXTENSION/COMPARI\nSON_LOCATION_OVERALL_RATING_EXTENSION_SECTION[@Ext\nensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_LOCATION_OVERALL_RATING_EXTEN\nSION_SECTION_DATA/COMPARISON_LOCATION_OVERALL_RAT\nING/@GSEOverallLocationRatingType\n\n9\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nThe total amount of concessions, if any. If there are no sales or financing\nconcessions, a zero (0) must be entered.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nPDF Display Format:\nWhole dollars only.\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThis field indicates the listing status of the comparable.\n\nIf the value of field e-29 is 'SettledSale', this\nfield is required.\n\nThe sum of this field 2-55 and fields (2-53, 2-\n57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2-71, 2-\n73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-88, 2-\n90, 2-92, 2-94, 2-96, 2-98, 2-100) must add up\nto Net Adjustment field 2-103.\n\n11\n\nEnumerated\n\nAllowable Values PDF Allowable Values\nActive Active\nExpired e\nWithdrawn w\nContract c\nSettledSale s\n"} diff --git a/chunks/json/0e33c29c957b8bf61726cbdfa9115cdb98fadde74332765d5a661433b2ad2ed2.json b/chunks/json/0e33c29c957b8bf61726cbdfa9115cdb98fadde74332765d5a661433b2ad2ed2.json new file mode 100644 index 0000000000000000000000000000000000000000..4d773db1ed17854606899aaf8476b00ec8d08d34 --- /dev/null +++ b/chunks/json/0e33c29c957b8bf61726cbdfa9115cdb98fadde74332765d5a661433b2ad2ed2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1815,"char_start":0,"chunk_id":"chk_945233d173750df6","chunk_index":0,"chunk_sha256":"0e33c29c957b8bf61726cbdfa9115cdb98fadde74332765d5a661433b2ad2ed2","date_utc":"2026-01-27T18:10:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8e1878d19cfcfdda","text_sha256":"0e33c29c957b8bf61726cbdfa9115cdb98fadde74332765d5a661433b2ad2ed2","token_estimate":547,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHFA_Releases_Data_Visualization_Dashboard_for_Ent_9s2eix.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/news/news-release/fhfa-releases-data-visualization-dashboard-for-enterprises-multifamily-mortgage-acquisitions\"\ndate_accessed: \"2026-01-27T18:10:34.566Z\"\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"} diff --git a/chunks/json/0e36fe46f6d276ceec548a4b8693c2fc6d98d045ac59c99fcc578d4a3f079f18.json b/chunks/json/0e36fe46f6d276ceec548a4b8693c2fc6d98d045ac59c99fcc578d4a3f079f18.json new file mode 100644 index 0000000000000000000000000000000000000000..a5a1e2809cd2671ee3ea817d7adcd86a65807eac --- /dev/null +++ b/chunks/json/0e36fe46f6d276ceec548a4b8693c2fc6d98d045ac59c99fcc578d4a3f079f18.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0e3a180588996c4b3b999e1a1e0affa50134a2c3d96f664b9bb0494315a7b7c0.json b/chunks/json/0e3a180588996c4b3b999e1a1e0affa50134a2c3d96f664b9bb0494315a7b7c0.json new file mode 100644 index 0000000000000000000000000000000000000000..306d367ae5e26c1a28622fb112b4a9bc810b9660 --- /dev/null +++ b/chunks/json/0e3a180588996c4b3b999e1a1e0affa50134a2c3d96f664b9bb0494315a7b7c0.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0e3d0a6f34b5e03e4b7a9291da864fe9e426e0517b6f45ca31414f77ef9c056e.json b/chunks/json/0e3d0a6f34b5e03e4b7a9291da864fe9e426e0517b6f45ca31414f77ef9c056e.json new file mode 100644 index 0000000000000000000000000000000000000000..8a21348a69b9a64fe80c16bfd624ff2b7f5d24ab --- /dev/null +++ b/chunks/json/0e3d0a6f34b5e03e4b7a9291da864fe9e426e0517b6f45ca31414f77ef9c056e.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0e4213d377a25e8fbfd46b14cdbdd28470856528a85fff020b02b3b3316d1661.json b/chunks/json/0e4213d377a25e8fbfd46b14cdbdd28470856528a85fff020b02b3b3316d1661.json new file mode 100644 index 0000000000000000000000000000000000000000..8df80fff785f2965aac2f279660001bd7f5d5089 --- /dev/null +++ b/chunks/json/0e4213d377a25e8fbfd46b14cdbdd28470856528a85fff020b02b3b3316d1661.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0e44dde049164fce51767a59bd97132ff810a2502d77cd960a56a36c7132b18a.json b/chunks/json/0e44dde049164fce51767a59bd97132ff810a2502d77cd960a56a36c7132b18a.json new file mode 100644 index 0000000000000000000000000000000000000000..cd59991279661a48960e99e2816db645997290e2 --- /dev/null +++ b/chunks/json/0e44dde049164fce51767a59bd97132ff810a2502d77cd960a56a36c7132b18a.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0e4db981cb10d14dacb1c9b03d9885877583aba3ad81e613f77e75cb48dfc042.json b/chunks/json/0e4db981cb10d14dacb1c9b03d9885877583aba3ad81e613f77e75cb48dfc042.json new file mode 100644 index 0000000000000000000000000000000000000000..342328dc1a63db19668471d8291f07e2e0b74599 --- /dev/null +++ b/chunks/json/0e4db981cb10d14dacb1c9b03d9885877583aba3ad81e613f77e75cb48dfc042.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0e5063b978ed61ca85bd7cb22abda872362965dfd0d0493aa842ee9cef5320af.json b/chunks/json/0e5063b978ed61ca85bd7cb22abda872362965dfd0d0493aa842ee9cef5320af.json new file mode 100644 index 0000000000000000000000000000000000000000..dc9a4f8913e62f498c0169c5a372118837ecb22f --- /dev/null +++ b/chunks/json/0e5063b978ed61ca85bd7cb22abda872362965dfd0d0493aa842ee9cef5320af.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0e5b714ad901c6e9844670091c3baa2d3fad70394aa048db6bd9b71ac4ff03d7.json b/chunks/json/0e5b714ad901c6e9844670091c3baa2d3fad70394aa048db6bd9b71ac4ff03d7.json new file mode 100644 index 0000000000000000000000000000000000000000..ebde0eb722f427d43cb30461280264dde2e4caeb --- /dev/null +++ b/chunks/json/0e5b714ad901c6e9844670091c3baa2d3fad70394aa048db6bd9b71ac4ff03d7.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0e5eb7e185e75274410bec7be16952a6d4a6ae03880730bf08c6d49fd4d543ce.json b/chunks/json/0e5eb7e185e75274410bec7be16952a6d4a6ae03880730bf08c6d49fd4d543ce.json new file mode 100644 index 0000000000000000000000000000000000000000..e0fa8e224c8d56c585d1e70eab9eec574667f900 --- /dev/null +++ b/chunks/json/0e5eb7e185e75274410bec7be16952a6d4a6ae03880730bf08c6d49fd4d543ce.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0e5f78cf1df33833690989c8bb3ebb10095aff47e1e0fab7b3bfa2bace99fdb0.json b/chunks/json/0e5f78cf1df33833690989c8bb3ebb10095aff47e1e0fab7b3bfa2bace99fdb0.json new file mode 100644 index 0000000000000000000000000000000000000000..e65b448f2d4cbf98f8f068c2bfa72960b688619a --- /dev/null +++ b/chunks/json/0e5f78cf1df33833690989c8bb3ebb10095aff47e1e0fab7b3bfa2bace99fdb0.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0e63e27077047e5931216c401eb98dd532bbc97f326e5b15ab4bb6088cd3e307.json b/chunks/json/0e63e27077047e5931216c401eb98dd532bbc97f326e5b15ab4bb6088cd3e307.json new file mode 100644 index 0000000000000000000000000000000000000000..fbfd6816f39106f36eb83420186f9b3e2a612923 --- /dev/null +++ b/chunks/json/0e63e27077047e5931216c401eb98dd532bbc97f326e5b15ab4bb6088cd3e307.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0e6a31854056167ad4d41f41dfc749730294a2b92654623f89da9f3cdad99956.json b/chunks/json/0e6a31854056167ad4d41f41dfc749730294a2b92654623f89da9f3cdad99956.json new file mode 100644 index 0000000000000000000000000000000000000000..de77430bbaf2d23cc685564aa0aafe34c452cadc --- /dev/null +++ b/chunks/json/0e6a31854056167ad4d41f41dfc749730294a2b92654623f89da9f3cdad99956.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1120032,"char_start":1118416,"chunk_id":"chk_ee4c975f31762917","chunk_index":665,"chunk_sha256":"0e6a31854056167ad4d41f41dfc749730294a2b92654623f89da9f3cdad99956","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"0e6a31854056167ad4d41f41dfc749730294a2b92654623f89da9f3cdad99956","token_estimate":404,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Page 186 of 211\n\nDocument Version 1.4\n\n221\n\n222\n\n223\n\n224\n\n225\n\n226\n\n227\n\n228\n\n229\n\n230\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\nSort\nID\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\nField\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n2\n\n3\n\n4\n\nHEADER\n\nBLANK\n\nHEADER\n\nFile #\n\nHEADER\n\nBLANK\n\n4a\n\nHEADER\n\nBLANK\n\nReport Title\nDescription\n\nAppraiser File\nIdentifier\n\nAppraiser\nAdditional File\nIdentifier Name\n\nAppraiser\nAdditional File\nIdentifier\n\nThis is an identifier or number used by\nthe appraiser to identify their reports. It is\ngenerally specific to the appraiser.\nSecondary report identifier used by the\nappraiser to identify appraisal reports.\nThis field may carry the FHA number,\ncase number, loan number or some other\nidentifier.\nUsed to indicate by name the type of\nidentifier represented by\nAppraisersAdditionalFileIdentifier.\n\nUsed to specify the title of a report.\n\n/VALUATION_RESPONSE/REPORT/@_TitleDescription\n\n/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier\n\n50\n\n50\n\nString\n\nString\n\nThis field occurs on every page of the form and must be consistent. The placement\nof the header on the form varies from vendor to vendor. The print reference\nplacement on Appendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field occurs on every page of the form and must be consistent. The placement\nof the header on the form varies from vendor to vendor.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier\nName\n"} diff --git a/chunks/json/0e6caba690bf29e60ca0fb88c2874d61af2cc46a28c7edb4ba2f2aa6f0ac4231.json b/chunks/json/0e6caba690bf29e60ca0fb88c2874d61af2cc46a28c7edb4ba2f2aa6f0ac4231.json new file mode 100644 index 0000000000000000000000000000000000000000..847ca36e7f9ca99ccb2b8952a688afdaa136fc22 --- /dev/null +++ b/chunks/json/0e6caba690bf29e60ca0fb88c2874d61af2cc46a28c7edb4ba2f2aa6f0ac4231.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0e7b4e8afbc81f03c2a2da846fc2f91c5748092d64f7f37b53fb432beaf9e7d4.json b/chunks/json/0e7b4e8afbc81f03c2a2da846fc2f91c5748092d64f7f37b53fb432beaf9e7d4.json new file mode 100644 index 0000000000000000000000000000000000000000..767aabd1a961a7e65e346cbb4b43ac74cec2147e --- /dev/null +++ b/chunks/json/0e7b4e8afbc81f03c2a2da846fc2f91c5748092d64f7f37b53fb432beaf9e7d4.json @@ -0,0 +1 @@ +{"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"} diff --git a/chunks/json/0e8ff8f269adcd1deb9bb2c51a323d7f56ca5539ea5fc2ab10102e4fd9899dd3.json b/chunks/json/0e8ff8f269adcd1deb9bb2c51a323d7f56ca5539ea5fc2ab10102e4fd9899dd3.json new file mode 100644 index 0000000000000000000000000000000000000000..11b21974641a1164518a41eecb6f069ca425db42 --- /dev/null +++ b/chunks/json/0e8ff8f269adcd1deb9bb2c51a323d7f56ca5539ea5fc2ab10102e4fd9899dd3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":580235,"char_start":578576,"chunk_id":"chk_f2a9df7e6ba7d964","chunk_index":342,"chunk_sha256":"0e8ff8f269adcd1deb9bb2c51a323d7f56ca5539ea5fc2ab10102e4fd9899dd3","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"0e8ff8f269adcd1deb9bb2c51a323d7f56ca5539ea5fc2ab10102e4fd9899dd3","token_estimate":415,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Energy Efficient Items\n\nGarage/Carport\n\nPorch/Patio/Deck\n\nSale Price\nAdjustment\nDescription\n\nSale Price\nAdjustment\nDescription\n\nSale Price\nAdjustment\nDescription\n\nSale Price\nAdjustment\nDescription\n\nSale Price\nAdjustment\nDescription\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D\nETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex\ntensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEBelowGradeBedroomRoomCount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D\nETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex\ntensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEBelowGradeBathroomRoomCount\n"} diff --git a/chunks/json/0e91db7e3eedbcdde2ae410126a78918b2e6d451072b1afd50ab464f44b50195.json b/chunks/json/0e91db7e3eedbcdde2ae410126a78918b2e6d451072b1afd50ab464f44b50195.json new file mode 100644 index 0000000000000000000000000000000000000000..f5cb9666ea7d1eec9e41ea9a85e48c5fedcc4771 --- /dev/null +++ b/chunks/json/0e91db7e3eedbcdde2ae410126a78918b2e6d451072b1afd50ab464f44b50195.json @@ -0,0 +1 @@ +{"chunk":{"char_end":605834,"char_start":604170,"chunk_id":"chk_e6ae45cb4d3b6e6c","chunk_index":360,"chunk_sha256":"0e91db7e3eedbcdde2ae410126a78918b2e6d451072b1afd50ab464f44b50195","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"0e91db7e3eedbcdde2ae410126a78918b2e6d451072b1afd50ab464f44b50195","token_estimate":416,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Amenity Feature\n14.004\n\nYes\n22.12.11\n\nAmenity Feature\n•\nCaged\n•\nHeated\n•\nIndoor\n•\nOther (Describe)\n\n22.12.03\n22.12.10\n\nWater\nFeatures\n\nIf relevant\n\nIf applicable for the\nOutdoor Shower\n\nNumber\n\nSubject Property\nAmenities\n•\n\nAmenity Count\n14.004\n\n22.12.04\n22.12.12\n\nWhole Home\n\nIf relevant\n\nIf applicable when the\nrow is included in the\nsales comparison grid\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nSubject Property\nAmenities\n•\n\nAmenity Category\n14.001 is Whole\nHome\nAmenity Type\n14.002\n\n22.12.04\n22.12.12\n\n22.12.05\n22.12.14\n\nWhole Home\n\nIf relevant\n\nIf applicable for the\nindicated whole home\namenity\n\nNumber\n\nSubject Property\nAmenities\n•\n\nAmenity Count\n14.004\n\nMiscellaneous\n\nIf relevant\n\nIf applicable when the\nrow is included in the\nsales comparison grid\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nSubject Property\nAmenities\n•\n\nAmenity Category\n14.001 is\nMiscellaneous\nAmenity Type\n14.002\n\n22.12.05\n22.12.14\n\nMiscellaneous\n\nIf relevant\n\nIf applicable for the\nindicated\nmiscellaneous amenity\n\nNumber\n\nSubject Property\nAmenities\n•\n\nAmenity Count\n14.004\n\nYes\n22.12.15\n\nYes\n22.12.11\n\nYes\n22.12.13\n\nYes\n22.12.13\n\nYes\n22.12.15\n\nAmenity Count (for the Outdoor Shower)\n\nFor Amenity Category Whole Home, Amenity Type\n•\nEV Station\n•\nElevator\n•\nFire Suppression System\n•\nIndoor Fireplace\n• Multiple Zone HVAC\n•\nSmart Home System\n• Whole House Ventilation\n• Wood Stove\n\nAmenity Count (for the indicated whole home amenity)\n\nExample: Indoor Fireplace - 2\n\nFor Amenity Category Miscellaneous, Amenity Type\n•\n•\n•\n•\n\nAirstrip\nClub Membership\nShared Laundry Facilities\nOther (Describe)\n"} diff --git a/chunks/json/0ea0ccb6e7e3b3ae948ca0a4cf310acfa153f8c5ac464550c0a66199378a84f8.json b/chunks/json/0ea0ccb6e7e3b3ae948ca0a4cf310acfa153f8c5ac464550c0a66199378a84f8.json new file mode 100644 index 0000000000000000000000000000000000000000..e5c617b78c846ac5eb135b298ed65c156186fb1d --- /dev/null +++ b/chunks/json/0ea0ccb6e7e3b3ae948ca0a4cf310acfa153f8c5ac464550c0a66199378a84f8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":462993,"char_start":461166,"chunk_id":"chk_2ed6d5f40cf943e8","chunk_index":274,"chunk_sha256":"0ea0ccb6e7e3b3ae948ca0a4cf310acfa153f8c5ac464550c0a66199378a84f8","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"0ea0ccb6e7e3b3ae948ca0a4cf310acfa153f8c5ac464550c0a66199378a84f8","token_estimate":457,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Report Estimated Percentage of Commercial Space as 12.5%, and the\npercentage of commercial space in the subject building as 25% in Commercial\nSpace Comment.\n\nCommercial Space Comment\n• When Adverse or Beneficial, describe the impact to value and / or\n\n•\n\n•\n\n•\n\nmarketability.\nIf there is more than one building in the project, provide the percentage\nof commercial space in the subject’s building, which is defined as\nCommercial Square Footage of the subject’s building / Total Square\nFootage of the subject’s building\nAdditional commentary may be provided to include details and other\ninformation.\nFor further expansion of commentary, use Project Factors Commentary\n(18.094).\n\n18.079 Commercial\n\nSpace\n(Impact)\n\n18.089 Commercial\n\nSpace\n(Comment)\n\nRequired if\nCommercial Space in\nProject is Yes\n\nRequired if Impact is\nAdverse or Beneficial,\nor as needed\n\nAdverse,\nBeneficial, or\nNeutral\n\nFree-form\n\nAppendix F-1: URAR Reference Guide\n\nPage 196 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n18 Project Information\n\nKnown Legal Actions\n\nThe Known Legal Actions row always displays in the Project Factors table.\n\nProject Factors: Known Legal Actions\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n18.070 Known Legal\n\nActions\n(Detail)\n\n18.080 Known Legal\n\nActions\n(Impact)\n\nRequired if the\nproperty is in a\ncondominium,\ncooperative, condop,\nor PUD\n\nRequired if Known\nLegal Actions is Yes\n\n18.090 Known Legal\n\nActions\n(Comment)\n\nRequired if Known\nLegal Actions is Yes, or\nas needed\n\nAllowable\nAnswers / Format\n\nYes | No\n\nAdverse,\nBeneficial, or\nNeutral\n\nFree-form\n\nDefinition / Additional Guidance\n\nKnown Legal Actions: Indicates whether research on the project revealed\npending or current legal actions in which the HOA, sponsor, developer, or other\nrelevant party is named in the litigation or alternative dispute resolution.\n"} diff --git a/chunks/json/0ea767284d1150866c6ee6e95bacc1f46fe9781c787cfd9939c4849d724d6005.json b/chunks/json/0ea767284d1150866c6ee6e95bacc1f46fe9781c787cfd9939c4849d724d6005.json new file mode 100644 index 0000000000000000000000000000000000000000..aa2e1da0996036502d308eebe917e27b83bab165 --- /dev/null +++ b/chunks/json/0ea767284d1150866c6ee6e95bacc1f46fe9781c787cfd9939c4849d724d6005.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18479,"char_start":16880,"chunk_id":"chk_2ef73b5b4c16c36c","chunk_index":13,"chunk_sha256":"0ea767284d1150866c6ee6e95bacc1f46fe9781c787cfd9939c4849d724d6005","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"0ea767284d1150866c6ee6e95bacc1f46fe9781c787cfd9939c4849d724d6005","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"LOAN is sufficient to represent an instance of a loan because all the elements under LOAN work\ntogether to describe the same loan. If we go any higher in the model, we would fail to identify a loan.\nWe could not use the DEAL element, because it may contain multiple loans and we would not know to\nwhich one of them the relationship is being applied.\n\nData Relationships Using Xlink and MISMO Arcroles\n\nPage 11 of 29\n\nVersion 1.1\n\n___________ _ __ Rules for XLink Relationships\n\nLOAN is unique because it represents one specific instance of the LOAN container. Any other sibling\ninstance would be a different loan. If we go any lower, the endpoint would not be unique. For example,\nwe could not use LOAN_IDENTIFIER because all sibling occurrences of LOAN_IDENTIFIER refer to\nthe same loan.\n\nROLE is sufficient to identify a party as a borrower (by setting the ROLE_DETAIL element’s\nPartyRoleType attribute value to “Borrower”). If we go any higher in the model, we would fail to\nidentify the role. For example, we could not use the PARTY element, because it may contain multiple\nroles and we would not know to which of them the relationship is being applied.\n\nThe ROLE element is unique. Any given party will only have one ROLE element of type borrower. If\nwe want to say that a party is a borrower on a loan, we need to use one specific instance of the ROLE\nelement. Pointing to any other sibling instance would mean a different role. If we go any lower, the\nendpoint would not be unique. For example, we could not use EMPLOYER because all sibling instances\nof EMPLOYER refer to the same borrower.\n"} diff --git a/chunks/json/0ecf39c8b7dca09f62cd0df0aa9f7a5a7b475f795450dab37f3adfe158bd5fcf.json b/chunks/json/0ecf39c8b7dca09f62cd0df0aa9f7a5a7b475f795450dab37f3adfe158bd5fcf.json new file mode 100644 index 0000000000000000000000000000000000000000..5ec359f51df300eb0a76f11c4774d733a61573f4 --- /dev/null +++ b/chunks/json/0ecf39c8b7dca09f62cd0df0aa9f7a5a7b475f795450dab37f3adfe158bd5fcf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":80178,"char_start":78314,"chunk_id":"chk_433d2bd54c852e35","chunk_index":125,"chunk_sha256":"0ecf39c8b7dca09f62cd0df0aa9f7a5a7b475f795450dab37f3adfe158bd5fcf","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"0ecf39c8b7dca09f62cd0df0aa9f7a5a7b475f795450dab37f3adfe158bd5fcf","token_estimate":466,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Small Residential Income Property Appraisal Report\n\nSingle Family Comparable Rent Schedule\n\n1004\n\n1004 Desktop\n\n1004 Hybrid\n\n1073\n\n1073 Desktop\n\n1073 Hybrid\n\n1075\n\n2055\n\n1004C\n\n2090\n\n2095\n\n1025\n\n1007\n\n70\n\n70D\n\n70H\n\n465\n\n465D\n\n465H\n\n466\n\n2055\n\n70B\n\n-\n\n-\n\n72\n\n1000\n\nUsing the new UAD, data -not a form number- will drive the property type. The property type is determined using characteristics of the\nproperty, which provides flexibility and removes the conflict between atypical properties and a form number. This document serves as a\nguide to assist with data mapping, field formats, and the PDF representation of the report. It is not a comprehensive developer’s guide.\n\nThe URAR Implementation Guide (iGuide) and URAR “Supplement – Approaches to Value Grids” are contained in Appendix B. These\nartifacts are a companion to the URAR Delivery Specification spreadsheet.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 23\n\nIn some sections, a table is used to define the fields in that section.\n\n• Report Field ID (FID): A red number identifying the specific location of the field on the URAR.\n• Report Label: Name of the field as shown on the Uniform Residential Appraisal Report.\n• Unique ID (UID): This column lists the unique number assigned to each instance of a MISMO data point.\n• MISMO Data Point Name: This column lists the MISMO data point for the associated data element.\n• Display Rules: Documents display rules associated with a given data element.\n\nThe following typefaces and colors are used throughout this document:\n\n• URAR Section and Subsection Names are represented in bold, (e.g., Subject Property, Site, Site Exhibits)\n• Report field labels are represented in italics (e.g., Borrower Name, Physical Address)\n• On URAR excerpts and when form fields are referenced, a red superimposed number identifies a Report Field ID, (e.g., FID: 1.001)\n"} diff --git a/chunks/json/0ed73616271b79fb68e7cd332186777791fae9b8f5e9a8307d9b535b519e00b7.json b/chunks/json/0ed73616271b79fb68e7cd332186777791fae9b8f5e9a8307d9b535b519e00b7.json new file mode 100644 index 0000000000000000000000000000000000000000..9784024b55504ca3c84b377a987664ed35d397cd --- /dev/null +++ b/chunks/json/0ed73616271b79fb68e7cd332186777791fae9b8f5e9a8307d9b535b519e00b7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":998653,"char_start":997055,"chunk_id":"chk_c021a1a2ff1d39ba","chunk_index":595,"chunk_sha256":"0ed73616271b79fb68e7cd332186777791fae9b8f5e9a8307d9b535b519e00b7","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"0ed73616271b79fb68e7cd332186777791fae9b8f5e9a8307d9b535b519e00b7","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais\nalInspectionPropertyType='Subject' and\n@AppraisalInspectionType='ExteriorOnly']\n\nAPPRAISER\nCERTIFICATION\n\nDate of Inspection\n\nInspection Date\n\nThe date the inspection of the property\nwas performed.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais\nalInspectionPropertyType='Subject' and\n@AppraisalInspectionType='ExteriorOnly']/@InspectionDate\n\nAPPRAISER\nCERTIFICATION\n\nDid not inspect exterior of comparable\nsales from street\n\nAppraisal Inspection\nType\n\nSpecifies the extent of the property\ninspection.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais\nalInspectionPropertyType='Comparable' and @AppraisalInspectionType='None']\n\nAPPRAISER\nCERTIFICATION\n\nDid inspect exterior of comparable sales\nfrom street\n\nAppraisal Inspection\nType\n\nSpecifies the extent of the property\ninspection.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais\nalInspectionPropertyType='Comparable' and\n@AppraisalInspectionType='ExteriorOnly']\n\nAPPRAISER\nCERTIFICATION\n\nDate of Inspection\n\nInspection Date\n\nThe date the inspection of the property\nwas performed.\n\n/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais\nalInspectionPropertyType='Comparable' and\n@AppraisalInspectionType='ExteriorOnly']/@InspectionDate\n\n535\n\nAll\n\n226\n\nFOOTER\n\nBLANK\n\nAppraisal Report\nContent Identifier\n\nAn additional identifier that is used for\nuniquely identifying appraisal forms or\naddendums. This may be an internal\nsystems identifier.\n\n/VALUATION_RESPONSE/REPORT/FORM/@AppraisalReportContentIdentifi\ner\n\n536\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nLatitude Number\n"} diff --git a/chunks/json/0ed783a8c559001e41ebfd4db826d2ee479bffd20a84e6db2809b307ad90d7f4.json b/chunks/json/0ed783a8c559001e41ebfd4db826d2ee479bffd20a84e6db2809b307ad90d7f4.json new file mode 100644 index 0000000000000000000000000000000000000000..33fbfd03b151084475eb6261348c447695b8ebe8 --- /dev/null +++ b/chunks/json/0ed783a8c559001e41ebfd4db826d2ee479bffd20a84e6db2809b307ad90d7f4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":125384,"char_start":123698,"chunk_id":"chk_4d8191d676a60dc5","chunk_index":70,"chunk_sha256":"0ed783a8c559001e41ebfd4db826d2ee479bffd20a84e6db2809b307ad90d7f4","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"0ed783a8c559001e41ebfd4db826d2ee479bffd20a84e6db2809b307ad90d7f4","token_estimate":421,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Page 55 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nExample IV-24. Party Container for PartyRoleType = LoanDeliveryFilePreparer\n\nPartyRoleIdentifier\n\n\n\nPartyRoleType\n\nLoanDeliveryFilePreparer\n\nNotes: This instance of PARTY required for all files. Used to identify the system creating the\n\nXML file.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 56 of 76\n\nSection V. Resources\n\nV. Resources\n\nA. ULDDS Document Package\n\nThe ULDDS is made up of the following package of documents, which consist of a\ntechnical narrative and accompanying appendices.\n\nDocument Title\n\nDescription\n\nAudience\n\nUse\n\nTable V-1. ULDDS Document Package.\n\n Scope the project to\n\ncreate the XML import\nfile\n\n Understand\n\nfundamental XML\nconcepts underlying the\nnew data set\n Understand the\n\nunderlying MISMO data\npopulation\n\n Understand the scope\nof the data population\n Identify source systems\n Map internal data to\n\nnew loan delivery data\nset\n\nFamiliarize team\nmembers with MISMO\ndata names, definitions,\nand usage\n\nFannie Mae and\nFreddie Mac Uniform\nLoan Delivery Data\nSpecification, v1.0.1\n\n Detailed, narrative technical\ndescriptions of the various\ndocuments in the ULDDS\npackage\n\n Explanation of technical\n\nMISMO and XML concepts\n Instructions on how to use\nthe appendices to create\nthe loan delivery import file\n\nInformation\ntechnology staff\nand project\nmanagers of large\nlenders and\nvendors\n\nAppendix A: XML\nData Requirements\n\nDetailed list of the MISMO\nXML data elements,\ndefinitions, format and shared\nconditionality and cardinality\n"} diff --git a/chunks/json/0edf11c51bc6761103b3b8c8b91b041bf56ac4bc87766dc0e3b73d69873100ce.json b/chunks/json/0edf11c51bc6761103b3b8c8b91b041bf56ac4bc87766dc0e3b73d69873100ce.json new file mode 100644 index 0000000000000000000000000000000000000000..91fdc2852fafcc5ec59cabc9d3388f791ec8eb06 --- /dev/null +++ b/chunks/json/0edf11c51bc6761103b3b8c8b91b041bf56ac4bc87766dc0e3b73d69873100ce.json @@ -0,0 +1 @@ +{"chunk":{"char_end":210740,"char_start":208880,"chunk_id":"chk_2c25b396d98d33ce","chunk_index":105,"chunk_sha256":"0edf11c51bc6761103b3b8c8b91b041bf56ac4bc87766dc0e3b73d69873100ce","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"0edf11c51bc6761103b3b8c8b91b041bf56ac4bc87766dc0e3b73d69873100ce","token_estimate":465,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"5.0 Projected Payments\n\n5.1 Payment Calculation\n\n5.1.1 Years 1 – 7\n\n5.1.2 Years 8 – 30\n\n5.2 Principal & Interest\n\n5.3 Mortgage Insurance\n\n5.2.1\n\n5.3.1\n\n$761.78\n\n+\n\n82.35\n\n5.2.4\n\n5.3.2\n\n$761.78\n\n+\n\n--\n\n5.4 Estimated Escrow\nAmount can increase over time\n\n5.5 Estimated Total\n\nMonthly Payment\n\n5.4.1\n\n+\n\n0\n\n5.4.2\n\n+ 0\n\n5.5.1\n\n$1,050.26\n\n5.5.3\n\n$967.91\n\nFigure 64. Escrow Account Does Not Exist\n\nThe data points used to provide the information in the Estimated Escrow row of the Projected Payments table\nare shown below. Since no escrow exists for this loan, the value of EscrowIndicator = “false”. The\nProjectedPaymentEstimatedEscrowPaymentAmount repeats twice, once for Years 1 -7 and again for Years 8 –\n30.\n\nTable 81. Escrow Account Does Not Exist\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint\n\nMISMO v3.3.0 Value\n\nNotes\n\nFirst Instance of PROJECTED_PAYMENT\n\n5.4.1\n\nYears 1-7 Estimated\nEscrow ($)\n\n…/PROJECTED_PAY\nMENT\n\nProjectedPaymentEs\ntimatedEscrowPaym\nentAmount\n\n0.00\n\nROF as “0”\n\nSecond Instance of PROJECTED_PAYMENT\n\n5.4.2\n\nYears 8-30\nEstimated Escrow ($)\n\n…/PROJECTED_PAY\nMENT\n\nProjectedPaymentEs\ntimatedEscrowPaym\nentAmount\n\n0.00\n\n5.4\n\nN/A\n\n…/DEAL/LOANS/LOA\nN/LOAN_DETAIL\n\nEscrowIndicator\n\nfalse\n\nEnd of PROJECTED_PAYMENT Instances\n\n▪ Escrow payment\ndisclosed as same\namount for life of\nloan\n\n▪ ROF as “0”\n\nNot Shown -\nIndicates whether\nEstimated Escrow\namount is greater\nthan “0”\n\nAppendix E: UCD Implementation Guide\n\nPage 95 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n5.0 Projected Payments Table\n\n5. 5. ESTI MATED TOTAL MONTHLY PAYMENT\n\nThe last row of the Payment Calculation section of the Projected Payments table is for the Estimated Total\nMonthly Payment or payment range. The Estimated Total is the sum of the amounts disclosed for Principal &\nInterest, Mortgage Insurance, and Estimated Escrow for each Year Range.\n"} diff --git a/chunks/json/0ef66c1affd5f2740c6f2748d40723da0f919e98ab8631828e332558511fe12a.json b/chunks/json/0ef66c1affd5f2740c6f2748d40723da0f919e98ab8631828e332558511fe12a.json new file mode 100644 index 0000000000000000000000000000000000000000..84af4a74920349653dafa9a9f7de064bdd59cc9c --- /dev/null +++ b/chunks/json/0ef66c1affd5f2740c6f2748d40723da0f919e98ab8631828e332558511fe12a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1593,"char_start":0,"chunk_id":"chk_d3b79a0a4e0fe7c6","chunk_index":0,"chunk_sha256":"0ef66c1affd5f2740c6f2748d40723da0f919e98ab8631828e332558511fe12a","date_utc":"2026-01-27T18:29:44+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_50c1d9f12aa0ba50","text_sha256":"0ef66c1affd5f2740c6f2748d40723da0f919e98ab8631828e332558511fe12a","token_estimate":398,"warnings":["source_path=Appendix-D-3 Completion Report Sample Scenarios and XML Files/Appendix D-3 CR1_CompletionReport/_.xml/CR1_CompletionReport_v1.3.xml"]},"text":"1234 Anywhere Pl\n\nAnywhere\n\nMonty\n\n20854\n\nMD\n\nPropertyPhoto\n\n\\\\Images\\CR1_Dwelling_Front.png\n\nimage/png\n\n2009-08-21\n\nPhysical\n\nPhysical\n\nBlock H Lot XX of XYZ Place\n\nfalse\n\nMechanicalSystem\n\nfalse\n\nThe hot water heater did not appear to be operational. No hot water.\n\nOther\n\nWater Heater\n\ntrue\n\nHot water working upon reinspection.\n\n2009-08-21\n\nWater Heater\n\n\\\\Images\\CR1_Water_Heater.png\n\nimage/png\n\ntrue\n\nFlooring\n\nfalse\n\nWater damage to carpet.\n\nOther\n\nBasement Den\n\n2009-08-21\n\nRepair\n\nBasement Carpeting\n\n\\\\Images\\CR1_Carpet.png\n\nimage/png\n\n456-8124\n\nClient\n\n123-456798\n\nValuationSoftwareVendor\n\nfalse\n\nfalse\n\nSubjectToRepair\n\nThe subject property was reinspected due to a faulty water heater. The water heater has been repaired, but additional damage noted due to a water leak prior to the repair. The existing carpeting throughout the basement is damaged and this may affect the original assignment results. As such, the carpeting is required to be replaced.\n\ntrue\n\nfalse\n\nLN32942301\n\n2009-08-07\n\n870000\n\nLN1265431\n\nJane Summers\n\nABC Mortgage Company\n\nCompletion Report Delivery Specification v1.3\n\nSATKIT\n\nSuperb Appraising Toolkit\n\n1.7\n\nSuperb Appraisal Software Vendor, LLC\n\nABC Mortgage Company\n\n456 Somewhere Ave\n\nSometown\n\n55555\n\nNV\n\nLender\n\nClient\n\nAmy\n\nAppraiser\n\n22 A St NE\n\nWashington\n\n10001\n\nDC\n\nXYZ Appraisal Company\n\nLicensedResidentialAppraiser\n\n2010-10-21\n\n3333333333\n\nMD\n\nAppraiser\n\nAppraisalFee\n\n0\n\nMichael\n\nJones\n\nBorrower\n\nMary\n\nJones\n\nBorrower\n\nValuation\n\n2009-08-21\n\n\\\\CR1_CompletionReport_v1.2.pdf\n\napplication/pdf\n\n1\n\nValuationCompletion\n\nFNM_FRE\n\nSeptember 2024\n"} diff --git a/chunks/json/0efab5140ca570d0265b5e452e2711a0ee453ba52b1e9eaed90ceb6584c9d89a.json b/chunks/json/0efab5140ca570d0265b5e452e2711a0ee453ba52b1e9eaed90ceb6584c9d89a.json new file mode 100644 index 0000000000000000000000000000000000000000..436aed622b7f917bf15cad704f31fe3c5affed2c --- /dev/null +++ b/chunks/json/0efab5140ca570d0265b5e452e2711a0ee453ba52b1e9eaed90ceb6584c9d89a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":19513,"char_start":17490,"chunk_id":"chk_41893bc9a04b97da","chunk_index":11,"chunk_sha256":"0efab5140ca570d0265b5e452e2711a0ee453ba52b1e9eaed90ceb6584c9d89a","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_698a10a0e5f6da7f","text_sha256":"0efab5140ca570d0265b5e452e2711a0ee453ba52b1e9eaed90ceb6584c9d89a","token_estimate":506,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Hybrid_70H.pdf"]},"text":"STATEMENT 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 title to it,\nexcept for information that he or she became aware of during the research involved in performing this appraisal. The appraiser\nassumes that the title is good and marketable and will not render any opinions about the title.\n\n2. The appraiser has included a floor plan in this appraisal report, which was completed as part of the property data report that\nshows the approximate dimensions of the improvements. The floor plan is included only to assist the reader in visualizing the\nproperty and understanding the appraiser’s determination of its size.\n\n3. The appraiser has relied on data provided by third-parties in this appraisal report. Such data may include, but is not limited to,\nflood maps, multiple listing real estate services, tax assessment records, public land records, satellite imagery, virtual street views,\nproperty data services, surveys, engineering reports, and property data aggregations. After examination of the data and data\nsources, the appraiser has used only the data he or she considers reliable. The appraiser makes no guarantees, express or implied,\nregarding the accuracy of this data.\n\n4. Unless noted otherwise, the appraiser has relied on interior and exterior subject property data obtained through a property data\nreport. Such data includes, but is not limited to, a floor plan, photographs, and property characteristics. After examination of the data\nand data sources, the appraiser has used only the data he or she considers reliable. The appraiser assumes there are no material\nomissions and makes no guarantees, express or implied, regarding the accuracy of this data. The appraiser assumes that the\nproperty characteristics have not changed since the date of the property data report.\n"} diff --git a/chunks/json/0f02a8debcd5496bfe6a60d4a11fc659f611e25e1dbb28a19d26f837e170e822.json b/chunks/json/0f02a8debcd5496bfe6a60d4a11fc659f611e25e1dbb28a19d26f837e170e822.json new file mode 100644 index 0000000000000000000000000000000000000000..8a85d66dda2d72d5eaa289b95d80609cdb23c337 --- /dev/null +++ b/chunks/json/0f02a8debcd5496bfe6a60d4a11fc659f611e25e1dbb28a19d26f837e170e822.json @@ -0,0 +1 @@ +{"chunk":{"char_end":745667,"char_start":743946,"chunk_id":"chk_fbe0f244e510b72c","chunk_index":444,"chunk_sha256":"0f02a8debcd5496bfe6a60d4a11fc659f611e25e1dbb28a19d26f837e170e822","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"0f02a8debcd5496bfe6a60d4a11fc659f611e25e1dbb28a19d26f837e170e822","token_estimate":430,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Appendix F-1: URAR Reference Guide\n\nPage 336 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n27 Revision History\n\nReconsideration of Value\n\nThe Reconsideration of Value subsection displays when there was a Borrower-Initiated Reconsideration of\nValue (ROV) request submitted to the appraiser on the original report. Reference published guidelines by the\nGSEs, government agencies, or other identified secondary market participants for specific guidance.\n\nReport\nField ID\n\nNot on\nReport\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nReconsideration of Value\n\nAlways required\n\nYes | No\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\nReconsideration of Value Indicator\n•\n\nYes (There was a Borrower-Initiated ROV, and the Reconsideration of\nValue subsection is included in the URAR)\nNo (There has not been a Borrower-Initiated ROV, and the\nReconsideration of Value subsection is not included in the URAR)\n\n•\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nReconsideration of Value\n\n27.003 Type\n\n27.004 Date\n\n27.005 Result\n\nRequired if\nReconsideration of\nValue Indicator is Yes\n\nRequired if\nReconsideration of\nValue Indicator is Yes\n\nRequired if\nReconsideration of\nValue Indicator is Yes\n\nBorrower-Initiated Reconsideration of Value Type\n\nmm/dd/yyyy\n\nReconsideration of Value Result Date\nThe date the appraiser completed the ROV.\n\nNote: When an ROV occurs, the Date of Signature and Report (29.066) must be\nupdated to reflect the date of the changes.\nReconsideration of Value Result\nIndicates whether the ROV request resulted in a change to the Opinion of\nMarket Value (26.007).\n•\nNo Value Change\n•\nValue Change\n"} diff --git a/chunks/json/0f12e88498312fef2e96b217e44ad760d5515a246269168a52aef4582c3cc061.json b/chunks/json/0f12e88498312fef2e96b217e44ad760d5515a246269168a52aef4582c3cc061.json new file mode 100644 index 0000000000000000000000000000000000000000..4e4fea5ffbd8ca32a5160f5177a109b65c0d1176 --- /dev/null +++ b/chunks/json/0f12e88498312fef2e96b217e44ad760d5515a246269168a52aef4582c3cc061.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10489,"char_start":8670,"chunk_id":"chk_2935f3738ec2f717","chunk_index":5,"chunk_sha256":"0f12e88498312fef2e96b217e44ad760d5515a246269168a52aef4582c3cc061","date_utc":"2026-01-27T17:46:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5242e4bddac7e14d","text_sha256":"0f12e88498312fef2e96b217e44ad760d5515a246269168a52aef4582c3cc061","token_estimate":455,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/condition-and-quality-rating-definitions-pdf.pdf"]},"text":" Multiple windows and doorways constructed\n\nwith high‐end materials, featuring custom\ndesign particularly at the front and rear\nentry and often featuring keystones or other\ndecorative adornments.\nRoof designs using high‐end roof materials;\ntypically featuring ornamental overhangs,\nsteep pitches, and multiple ridges, hips and\nvalleys, and gables.\nExterior walls constructed using high‐end\nmaterials and featuring multiple corners\nwith angled walls, unique shapes, and\ncustom trim at focal points.\n\n\n\n\n\nCondition and Quality Rating Definitions\n\nPage 4 of 5\n\nVersion 1.0\n\nUniform Appraisal Dataset\n\nQuality Rating Definitions\nIn each category, the property must meet the majority of the criteria listed but does not have to meet all criteria.\n\nRating\n\nOverall Quality Rating\n\nInterior Quality Rating\n\nExterior Quality Rating\n\nThe dwelling represents housing that\ncan be reproduced from standard plans,\nfeaturing a higher than standard degree\nof complexity and some customization\nin the structural design, amenities, and\nfinishes. A Q3 dwelling can contain a\nmixture of premium and standard level\nmaterials or amenities. They are often\ncharacterized as \"semi‐custom\" new\nconstruction, or as pre‐existing\ndwellings that are upgraded using some\npremium materials or amenities.\n\nThe dwelling is constructed using\nstandard building plans and designs that\ncan be reproduced multiple times with\nminimal customization or style\nvariations. The materials and amenities\nare widely available and can contain a\nmixture of some standard and\neconomy‐level materials.\n\nThe dwelling is basic in design and\nmeets minimum building standards.\nDwellings rated Q5 are designed for\nefficiency in installation and\nconstruction representing basic housing.\nQ5 dwellings have minimal refinements\nor upgrades but are not considered\nsubstandard.\n"} diff --git a/chunks/json/0f24026de09fc7874e76b272fd0680df8f5bb0d4bcca2cd9f06801065c2a71a8.json b/chunks/json/0f24026de09fc7874e76b272fd0680df8f5bb0d4bcca2cd9f06801065c2a71a8.json new file mode 100644 index 0000000000000000000000000000000000000000..ff7ce55ff78725ef9bba895274e2418077d22455 --- /dev/null +++ b/chunks/json/0f24026de09fc7874e76b272fd0680df8f5bb0d4bcca2cd9f06801065c2a71a8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":162400,"char_start":160801,"chunk_id":"chk_247afff07a82fb99","chunk_index":94,"chunk_sha256":"0f24026de09fc7874e76b272fd0680df8f5bb0d4bcca2cd9f06801065c2a71a8","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"0f24026de09fc7874e76b272fd0680df8f5bb0d4bcca2cd9f06801065c2a71a8","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Allowable Answer\n\nDefinition / Additional Guidance\n\nProximity (Choose one for each Site Influence or Environmental Condition)\n\nBordering\n\nOffsite\n\nOnsite\n\nAn influence located on or coming from a site that directly abuts the subject site.\n\nAn influence located on or coming from a site that is not the subject site nor directly abuts the subject site.\n\nAn influence located on or coming directly from the subject site.\n\nAllowable Answer\n\nNone (Not in a Special\nAirport Hazard Zone)\n\nCivil Airport Runway Clear\nZone\n\nSpecial Airport Hazard Zone (Choose one)\n\nDefinition / Additional Guidance\n\nSelect this answer if the property is not in a Special Airport Hazard Zone.\n\nAreas immediately beyond the ends of runways for civil airports as established by Federal Aviation Administration for the\npurpose of enhancing protection of people and property on the ground in the event an aircraft lands or crashes beyond\nthe runway end.\n\nMilitary Airport Accident\nPotential Zone 1\n\nAreas beyond the Clear Zone for military airfields established by the United States Department of Defense as a planning\ntool for local planning agencies. Accident Potential Zones are areas where aircraft mishaps are most likely to occur near\nthe airfields.\n\nMilitary Airport Clear Zone\n\nAreas immediately beyond the ends of runways for military airfields established by the United States Department of\nDefense.\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nAppendix F-1: URAR Reference Guide\n\nPage 63 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nApparent Environmental Conditions\n"} diff --git a/chunks/json/0f306c4ba676135a4d43805faa4dd30a1b6e8bcdfa6fbd8d71e87a8650727d43.json b/chunks/json/0f306c4ba676135a4d43805faa4dd30a1b6e8bcdfa6fbd8d71e87a8650727d43.json new file mode 100644 index 0000000000000000000000000000000000000000..9d0fe891e84284ebe8b2c01c6344b7cdfcde57f0 --- /dev/null +++ b/chunks/json/0f306c4ba676135a4d43805faa4dd30a1b6e8bcdfa6fbd8d71e87a8650727d43.json @@ -0,0 +1 @@ +{"chunk":{"char_end":774490,"char_start":772858,"chunk_id":"chk_ef7967336920253b","chunk_index":461,"chunk_sha256":"0f306c4ba676135a4d43805faa4dd30a1b6e8bcdfa6fbd8d71e87a8650727d43","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"0f306c4ba676135a4d43805faa4dd30a1b6e8bcdfa6fbd8d71e87a8650727d43","token_estimate":408,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Spacious rooms with higher ceilings that\nmay have custom design elements (e.g.,\ncoved, barrel, cupola, coffered, beamed),\nhigh-end built-ins, mouldings and wall\ntreatments in communal areas and the\nmain bedroom.\nHigh-grade floor coverings designed for the\nhighest level of durability and occasionally\nfeaturing inlays or other customization.\nLarge kitchens featuring high-end\nappliances, extensive cabinetry, and\ncountertops.\nLarge bathrooms specifically dedicated to\ncertain bedrooms as well as at least one\ncommon bathroom; containing high-end\ncountertops, cabinetry, and plumbing\nfixtures.\n\n•\n\n•\n\n•\n\nCustom fenestration and doorways using\nexceptional grade materials and engineering;\nfeaturing keystones or detailed mouldings\nthroughout.\nRoof designs using premium materials\ndesigned for longevity and resistance to\nweather; often featuring large ornamental\noverhangs, multiple hips and valleys, or\nsteep pitches.\nExterior walls constructed using exceptional\ngrade materials, often featuring multiple\ncorners, unique angles and shapes, and\nextensive use of trim or decorative\nadornments.\n\n• Multiple windows and doorways constructed\n\nwith high-end materials, featuring custom\ndesign particularly at the front and rear\nentry and often featuring keystones or other\ndecorative adornments.\nRoof designs using high-end roof materials;\ntypically featuring ornamental overhangs,\nsteep pitches, and multiple ridges, hips and\nvalleys, and gables.\nExterior walls constructed using high-end\nmaterials and featuring multiple corners\nwith angled walls, unique shapes, and\ncustom trim at focal points.\n\n•\n\n•\n\nAppendix F-1: URAR Reference Guide\n"} diff --git a/chunks/json/0f32a23ede103c5fb9b06039fa364230152123adc2f626b1993c0dfb0e777d7d.json b/chunks/json/0f32a23ede103c5fb9b06039fa364230152123adc2f626b1993c0dfb0e777d7d.json new file mode 100644 index 0000000000000000000000000000000000000000..a6e63b5e68eb6512d3fe52c35f37f39b204c3077 --- /dev/null +++ b/chunks/json/0f32a23ede103c5fb9b06039fa364230152123adc2f626b1993c0dfb0e777d7d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5403,"char_start":3694,"chunk_id":"chk_af419bfc6fb258eb","chunk_index":2,"chunk_sha256":"0f32a23ede103c5fb9b06039fa364230152123adc2f626b1993c0dfb0e777d7d","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ddef7627ae864b23","text_sha256":"0f32a23ede103c5fb9b06039fa364230152123adc2f626b1993c0dfb0e777d7d","token_estimate":428,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-integration-impact-memo-nov-15-2025.pdf"]},"text":"2131 An appraisal based on an interior and exterior\nproperty inspection reported on Form 1073 is\nrequired for this condominium transaction. If the\ncondominium project consists solely of detached\ndwellings, Form 1004 may be used, though the\nappraiser must include: an adequate description of\nthe project, information about the homeowners'\nassociation fees, and information about the quality\nof the project maintenance.\n\n2135 An appraisal based on an interior and exterior\nproperty inspection reported on Form 1073 is\nrequired for this condominium refinance\ntransaction. If the condominium project consists\nsolely of detached dwellings, Form 1004 may be\nused, though the appraiser must include: an\nadequate description of the project, information\nabout the homeowners' association fees, and\ninformation about the quality of the project\nmaintenance.\n\nThis loan casefile is eligible for a Uniform Residential\nAppraisal Report (Traditional Appraisal - 2- to 4-Unit\nProperty). If the loan casefile is eligible for other property\nassessment and valuation options, all options will be\ndisplayed in the Property and Appraisal Information\nsection.\nThis loan casefile is eligible for a Uniform Residential\nAppraisal Report (Traditional Appraisal - Manufactured). If\nthe loan casefile is eligible for other property assessment\nand valuation options, all options will be displayed in the\nProperty and Appraisal Information section.\nThis loan casefile is eligible for a Uniform Residential\nAppraisal Report (Traditional Appraisal - Single Family\nProperty). If the loan casefile is eligible for other property\nassessment and valuation options, all options will be\ndisplayed in the Property and Appraisal Information\nsection.\n"} diff --git a/chunks/json/0f3a78400630c62de39c9a193e2794609e98245288ed8b8ed7ad7b1bcb8257b2.json b/chunks/json/0f3a78400630c62de39c9a193e2794609e98245288ed8b8ed7ad7b1bcb8257b2.json new file mode 100644 index 0000000000000000000000000000000000000000..c323d79e553ba351558604af29c58fcafa75d18f --- /dev/null +++ b/chunks/json/0f3a78400630c62de39c9a193e2794609e98245288ed8b8ed7ad7b1bcb8257b2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":911342,"char_start":909506,"chunk_id":"chk_2afeb696fd566a04","chunk_index":541,"chunk_sha256":"0f3a78400630c62de39c9a193e2794609e98245288ed8b8ed7ad7b1bcb8257b2","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"0f3a78400630c62de39c9a193e2794609e98245288ed8b8ed7ad7b1bcb8257b2","token_estimate":459,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field is required if the value of field e-\n26 (GSE Financing Type) is 'Other'.\n\nCR\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nThe total amount of concessions, if any. If there are no sales or financing concessions, a\nzero (0) must be entered.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nMoney\n\nMoney\n\nIf the value of field e-29 is 'SettledSale', this\nfield is required.\n\nCR\n\nThe sum of this field 3-62 and fields (3-60,\n3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3-76, 3-\n78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, 3-93,\n3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3-\n107, 3-109, 3-111) must add up to Net\nAdjustment field 3-116.\n\nCR\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 157 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\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\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nThis field indicates the listing status of the comparable.\n\n394\n\n3\n\ne-29\n\nSALES\nCOMPARISON\nAPPROACH\n\nDate of Sale/Time\n\nGSE Listing Status\nType\n\nIndicates the status for the comparable\nlisting or sale presented.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@\nExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM\nPARISON_DETAIL/@GSEListingStatusType\n"} diff --git a/chunks/json/0f411c8c1f80344d4468c1729fdb90d6ce715540e76370750c1ef2e81c40ce81.json b/chunks/json/0f411c8c1f80344d4468c1729fdb90d6ce715540e76370750c1ef2e81c40ce81.json new file mode 100644 index 0000000000000000000000000000000000000000..1ab1d95e4164b06dc9007a663cada96595a2cecb --- /dev/null +++ b/chunks/json/0f411c8c1f80344d4468c1729fdb90d6ce715540e76370750c1ef2e81c40ce81.json @@ -0,0 +1 @@ +{"chunk":{"char_end":41571,"char_start":39906,"chunk_id":"chk_dfbdd49cf75c8981","chunk_index":24,"chunk_sha256":"0f411c8c1f80344d4468c1729fdb90d6ce715540e76370750c1ef2e81c40ce81","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"0f411c8c1f80344d4468c1729fdb90d6ce715540e76370750c1ef2e81c40ce81","token_estimate":417,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"Statement of Assumptions and Limiting Conditions\n\nThe appraiser assumes that the title is good and marketable unless he or she becomes aware of information to the contrary.\n\nIf the appraiser has included a sketch or floor plan in this appraisal report, it shows the approximate dimensions and is included only to assist\nthe reader in visualizing the property and understanding the appraiser’s determination of its size.\n\nAppraiser 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\n\nThe appraiser has relied on data provided by third parties in this appraisal report. Such data may include, but is not limited to, floor plans,\nflood maps, multiple listing real estate services, tax assessment records, public land records, satellite imagery, virtual street views, property\ndata services, surveys, engineering reports, and property data aggregations. After examination of the data and data sources, the appraiser has\nused only the data he or she considers reliable. The appraiser assumes there are no material omissions in the data relied upon and makes no\nguarantees, express or implied, regarding their accuracy. If the source date is prior to the effective date of the appraisal, the appraiser assumes\nthe property characteristics and supporting information have not changed in the interim.\n\nThe appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question,\nunless specific arrangements to do so have been made beforehand, or as otherwise required by law.\n"} diff --git a/chunks/json/0f444167168476c14e13279c9c5a6c38cffa174b2b02afe07d0802d5d1bbf1aa.json b/chunks/json/0f444167168476c14e13279c9c5a6c38cffa174b2b02afe07d0802d5d1bbf1aa.json new file mode 100644 index 0000000000000000000000000000000000000000..63265d350d6f438ba909e11ffd2639a309bb3835 --- /dev/null +++ b/chunks/json/0f444167168476c14e13279c9c5a6c38cffa174b2b02afe07d0802d5d1bbf1aa.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11974,"char_start":10325,"chunk_id":"chk_1d3b33be27b2e247","chunk_index":6,"chunk_sha256":"0f444167168476c14e13279c9c5a6c38cffa174b2b02afe07d0802d5d1bbf1aa","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_874d0463a2fa2d83","text_sha256":"0f444167168476c14e13279c9c5a6c38cffa174b2b02afe07d0802d5d1bbf1aa","token_estimate":413,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Guarantee_Fees_History___FHFA_hq9o1.md"]},"text":"To fulfill that mandate, FHFA directed Fannie Mae and Freddie Mac to raise guarantee fees by 10 basis points beginning in April 2012. Unlike other single-family guarantee fees, which are retained by Fannie Mae and Freddie Mac, the proceeds from this fee increase are remitted to the Treasury at the end of each quarter.\n\nIn August 2012, FHFA directed Fannie Mae and Freddie Mac to make more changes to the single-family guarantee fees they charge lenders. The changes became fully effective in December 2012, and Fannie Mae and Freddie Mac keep the resulting revenues.\n\nThe changes:\n\n- Increased guarantee fees on single-family mortgages by an additional 10 basis points on average.\n- Made the guarantee fees the Enterprises charge lenders that deliver small and large volumes of loans more uniform.\n- Began to address the issue of lower-risk loans subsidizing the pricing of higher-risk loans.\n## State-Level Guarantee Fee Proposal\n\nIn September 2012, we solicited public input via a [*Federal Register* notice on September 25, 2012](/regulation/federal-register/public-input-notice/2012-n-13) on a proposal to impose an up-front fee on newly acquired single-family mortgages originated in specific states where Fannie Mae and Freddie Mac are likely to incur default-related losses much higher than the national average because of the individual laws in those states.\n\n[FHFA received more than 60 responses](/regulation/federal-register/public-input-notice/2012-n-13) from state and local government officials, interest groups, academics, and the public.\n\nFHFA evaluated public input and determined not to proceed with this initiative at this time.\n"} diff --git a/chunks/json/0f47b00b90397d2739c5af60df08b8dd729e7037898e24bd797ab181abe049bc.json b/chunks/json/0f47b00b90397d2739c5af60df08b8dd729e7037898e24bd797ab181abe049bc.json new file mode 100644 index 0000000000000000000000000000000000000000..43cad5562df5f39ada470a7590b035211342e498 --- /dev/null +++ b/chunks/json/0f47b00b90397d2739c5af60df08b8dd729e7037898e24bd797ab181abe049bc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":490415,"char_start":488723,"chunk_id":"chk_fb6c3c574f22f65e","chunk_index":288,"chunk_sha256":"0f47b00b90397d2739c5af60df08b8dd729e7037898e24bd797ab181abe049bc","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"0f47b00b90397d2739c5af60df08b8dd729e7037898e24bd797ab181abe049bc","token_estimate":423,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Indicates that the project does impose an\nadditional fee beyond the standard project\nfee.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@\n_AdditionalFacilitiesFeeIndicator='N']\n\n1\n\n1\n\nBoolean\n\nBoolean\n\nOne and only one of fields 2-7, 2-8\n(values of Project Common Elements\nLeased Indicator) should be indicated.\n\nThis field should be populated if field 2-\n7 (Project Common Elements Leased\nIndicator = 'Y') is indicated. This is a\nfree text field which should describe\nthe rental terms and options.\n\nOne and only one of fields 2-10, 2-11\n(values of Project Analysis Ground\nRent Indicator) should be indicated.\n\nOne and only one of fields 2-10, 2-11\n(values of Project Analysis Ground\nRent Indicator) should be indicated.\nThis field should be populated if field 2-\n10 (Project Analysis Ground Rent\nIndicator = 'Y') is indicated.\nThis field should be populated if field 2-\n10 (Project Analysis Ground Rent\nIndicator = 'Y') is indicated.\n\nOne and only one of fields 2-14, 2-15\n(values of Adequate Indicator) should\nbe indicated.\n\nOne and only one of fields 2-14, 2-15\n(values of Adequate Indicator) should\nbe indicated.\n\nThis field should be populated if field 2-\n15 (Adequate Indicator = 'N') is\nindicated.\n\nOne and only one of fields 2-17, 2-18\n(values of Project Analysis Budget\nAnalyzed Indicator) should be\nindicated.\n\nOne and only one of fields 2-17, 2-18\n(values of Project Analysis Budget\nAnalyzed Indicator) should be\nindicated\n\nOne and only one of fields 2-20, 2-21\n(values of Project Analysis Additional\nFacilities Fee Indicator) should be\nindicated.\n\nOne and only one of fields 2-20, 2-21\n(values of Project Analysis Additional\nFacilities Fee Indicator) should be\nindicated.\n"} diff --git a/chunks/json/0f4e61aabb5312433ae87832ecbb6e046c77228f60f4821dd29cf7020466bea8.json b/chunks/json/0f4e61aabb5312433ae87832ecbb6e046c77228f60f4821dd29cf7020466bea8.json new file mode 100644 index 0000000000000000000000000000000000000000..f873997f489bb206035a28573c4399b5762dca63 --- /dev/null +++ b/chunks/json/0f4e61aabb5312433ae87832ecbb6e046c77228f60f4821dd29cf7020466bea8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":22577,"char_start":21245,"chunk_id":"chk_5a9b28a354ca0352","chunk_index":6,"chunk_sha256":"0f4e61aabb5312433ae87832ecbb6e046c77228f60f4821dd29cf7020466bea8","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"0f4e61aabb5312433ae87832ecbb6e046c77228f60f4821dd29cf7020466bea8","token_estimate":490,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"UCD v2.0 Implementation Guide\n\nv\n\nVersion 1.0\n\nUniform Closing Dataset\n\nContents\n\nD. ucd.xsd ............................................................................................................................................................................ 153\nAppendix D. CD Versions and Associated Sections .................................................................................................................. 155\n\nUCD v2.0 Implementation Guide\n\nvi\n\nVersion 1.0\n\nUniform Closing Dataset\n\nI. Introduction\n\nI. INTRODUCTION\n\nA. UNIFORM CLOSING DATASET BACKGROUND\n\nOn December 31, 2013, the Consumer Financial Protection Bureau (CFPB) published in the Federal Register the Integrated\nMortgage Disclosures Rule Under the Real Estate Settlement Procedures Act (RESPA or Regulation X) and the Truth in Lending\nAct [TILA or Regulation Z (Reg Z)]. This Rule (known as “TRID”) established new requirements and forms for consumer\ndisclosures related to most closed-end mortgages. The key forms created by TRID were the Loan Estimate (LE) and Closing\nDisclosure (CD), which, with certain exceptions, replaced the TILA disclosure and HUD-1 Settlement Statement. CFPB and the\nFederal Housing Finance Agency (FHFA) asked Freddie Mac and Fannie Mae (the GSEs) to develop a standard electronic\ndataset to support the new CD.\n"} diff --git a/chunks/json/0f5095afb7fcd154ebfee92aae1206632b263a15bec0efb82916123066ecc942.json b/chunks/json/0f5095afb7fcd154ebfee92aae1206632b263a15bec0efb82916123066ecc942.json new file mode 100644 index 0000000000000000000000000000000000000000..988ff4d49ef7c64b4b810550cded3af1c5008886 --- /dev/null +++ b/chunks/json/0f5095afb7fcd154ebfee92aae1206632b263a15bec0efb82916123066ecc942.json @@ -0,0 +1 @@ +{"chunk":{"char_end":78149,"char_start":76423,"chunk_id":"chk_6cd12da2a3419d5d","chunk_index":43,"chunk_sha256":"0f5095afb7fcd154ebfee92aae1206632b263a15bec0efb82916123066ecc942","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"0f5095afb7fcd154ebfee92aae1206632b263a15bec0efb82916123066ecc942","token_estimate":432,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"•\n\n•\n\nLenders who wish to receive representation and warranty relief offered by the DU validation service must continue to\ncomply with all conditions in the DU Underwriting Findings Report, including the close by date.\n\nLoans originated in accordance with the age of documentation flexibilities must be delivered to Fannie Mae no later than\ntwo years from the date of the disaster declaration by FEMA.\n\nSee SB5-4.2-02, Disaster-Related Limited Cash-Out Refinance Flexibilities for information related to certain flexibilities offered for\na disaster related limited cash-out transaction.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 34 of 166\n\nUAD 3.6 Policy\n\nSB3-3.1-08, Rental Income (10/08/2025)\n\nIntroduction\n\nThis topic provides information on qualifying a borrower’s rental income, including:\n\n• Associated Policies\n•\nEligible Properties\n•\nIneligible Properties\n• Rental Income from an ADU on the Subject Property\n• General Requirements for Documenting Rental Income (Subject and Non-Subject Property)\n• Documenting Rental Income from Subject Property\n• Documenting Rental Income from Property Other Than the Subject Property\n• Reconciling Partial or No Rental History on Tax Returns (Schedule E Only)\n• Calculating Monthly Qualifying Rental Income (or Loss)\n•\n•\n• Offsetting Monthly Obligations for Rental Property Reported through a Partnership or an S Corporation\n• Rental Income Calculation Tools\n• Reporting of Gross Monthly Rent\n\nLease Agreements or the Uniform Residential Appraisal Report\nTreatment of the Income (or Loss)\n\nAssociated Policies\n\nIn conjunction with the policies in this topic, lenders must also comply with, as applicable, but not limited to, the following\npolicies in the Selling Guide:\n"} diff --git a/chunks/json/0f575e609aab4e480cc75374d443be6476d412d1b6a584da1ee82a44403a7772.json b/chunks/json/0f575e609aab4e480cc75374d443be6476d412d1b6a584da1ee82a44403a7772.json new file mode 100644 index 0000000000000000000000000000000000000000..24ae6dd0ff37ad7dbe04a11c9d215e7d2f67adca --- /dev/null +++ b/chunks/json/0f575e609aab4e480cc75374d443be6476d412d1b6a584da1ee82a44403a7772.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1062353,"char_start":1060752,"chunk_id":"chk_14a4703d0742580d","chunk_index":632,"chunk_sha256":"0f575e609aab4e480cc75374d443be6476d412d1b6a584da1ee82a44403a7772","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"0f575e609aab4e480cc75374d443be6476d412d1b6a584da1ee82a44403a7772","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"25\n\nString\n\nIf no water service is present, indicate 'None' in the description field.\n\nUAD Requirement - Refer to Appendix D Site Section\nThis field must indicate the water source if present and not public. If no water\nservice is present, indicate 'None' in the description field.\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='\nSanitarySewer']/@_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='\nSanitarySewer']/@_NonPublicIndicator\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that\nthe box has not been checked.\n\nBoolean\n\nIf no sanitary sewer service is present, indicate 'None' in the description field.\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that\nthe box has not been checked.\n\nBoolean\n\nIf no sanitary sewer service is present, indicate 'None' in the description field.\n\nUAD Requirement - Refer to Appendix D Site Section\nThis field must indicate the source of the sanitary sewer service if present and not\npublic. If no sanitary sewer service is present, enter 'None' in the description field.\n\nUAD Instruction - Refer to Appendix D Site Section\nThis field should indicate the street type. The value 'None' should be indicated if\nnone is present.\n"} diff --git a/chunks/json/0f5f637eddb5186daa8e0c4e2c827b40ff3dedc33558889d49e59849193d3df7.json b/chunks/json/0f5f637eddb5186daa8e0c4e2c827b40ff3dedc33558889d49e59849193d3df7.json new file mode 100644 index 0000000000000000000000000000000000000000..4f650bceab7d1c366747177c372a8cd19b51764b --- /dev/null +++ b/chunks/json/0f5f637eddb5186daa8e0c4e2c827b40ff3dedc33558889d49e59849193d3df7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":32643,"char_start":30303,"chunk_id":"chk_e670f4606fa1e3f6","chunk_index":18,"chunk_sha256":"0f5f637eddb5186daa8e0c4e2c827b40ff3dedc33558889d49e59849193d3df7","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6d5adf56d1237dd1","text_sha256":"0f5f637eddb5186daa8e0c4e2c827b40ff3dedc33558889d49e59849193d3df7","token_estimate":585,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH2_Appraisal/_.pdf/MH2_Appraisal_v1.3.pdf"]},"text":"Cost Method\nDepreciation Method\n\nComparative Unit\nEconomic Age-Life\n\nCost of all structures are based off a lump sum estimate per square foot or per cubic foot of all components of the structure including their\nfoundations. The comparative unit method is used to derive a cost estimate in terms of dollars per unit of area, or volume, based on known\ncost of similar structures that are adjusted for time, and physical differences. The cost estimate is then applied to the total building area.\n\nThe total depreciation for the dwelling includes the attached garage. Depreciated costs were calculated on an economic age-life basis at 4%\nper year for the dwelling and 6% per year for the garage. Depreciated site improvements include public utility hook-ups, driveway, sidewalks,\npatio, and porch.\n\nReconciliation\n\nApproaches to Value\n\nIndicated Value\n\nReason for Exclusion\n\nSales Comparison Approach\n$275,000\n\nIncome Approach\n\nCost Approach\n$271,410\n\nNot Necessary for Credible Results\n\nAppraisal Summary\n\nOpinion of Market Value\nMarket Value Condition\n\n$275,000\nAs Is\n\nReasonable Exposure Time\nEffective Date of Appraisal\n\n110 days\n03/14/2022\n\nReconciliation of Market Value\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nApparent Defects, Damages, Deficiencies\n\nNone\n\nAppraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 18 of 20\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of\nassumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions\nand limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis\nnecessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the\ncertifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material\nalterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an\nappraisal organization, are permitted.\n"} diff --git a/chunks/json/0f61e69f5eef897f3316b1ffddae94f5a74c3d44b4d31ff5501bd6ff76571fd6.json b/chunks/json/0f61e69f5eef897f3316b1ffddae94f5a74c3d44b4d31ff5501bd6ff76571fd6.json new file mode 100644 index 0000000000000000000000000000000000000000..da54404c194ff1d649d5a72cec4b4f9330778c27 --- /dev/null +++ b/chunks/json/0f61e69f5eef897f3316b1ffddae94f5a74c3d44b4d31ff5501bd6ff76571fd6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1749,"char_start":0,"chunk_id":"chk_84176c637844eb20","chunk_index":0,"chunk_sha256":"0f61e69f5eef897f3316b1ffddae94f5a74c3d44b4d31ff5501bd6ff76571fd6","date_utc":"2026-01-27T17:54:33+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_19148a46c5aa26c6","text_sha256":"0f61e69f5eef897f3316b1ffddae94f5a74c3d44b4d31ff5501bd6ff76571fd6","token_estimate":533,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Credit_Risk_Transfer_Progress_Report___U_S__FEDERA_s6wjt.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/credit-risk-transfer-progress-report\"\ndate_accessed: \"2026-01-27T17:54:20.679Z\"\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"} diff --git a/chunks/json/0f690a496c6e735f6abf15b3f8a1f35bf6c79536d224183b558e7cf823df8694.json b/chunks/json/0f690a496c6e735f6abf15b3f8a1f35bf6c79536d224183b558e7cf823df8694.json new file mode 100644 index 0000000000000000000000000000000000000000..4001c542f300bfaf255de0388edd23863738eef5 --- /dev/null +++ b/chunks/json/0f690a496c6e735f6abf15b3f8a1f35bf6c79536d224183b558e7cf823df8694.json @@ -0,0 +1 @@ +{"chunk":{"char_end":188710,"char_start":187036,"chunk_id":"chk_2eff3e5387e1e233","chunk_index":190,"chunk_sha256":"0f690a496c6e735f6abf15b3f8a1f35bf6c79536d224183b558e7cf823df8694","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"0f690a496c6e735f6abf15b3f8a1f35bf6c79536d224183b558e7cf823df8694","token_estimate":419,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"4.061\n\nComment\n\n1500.0174\n\nEncroachmentDescription\n\nSite Characteristic\n\nDisplay when (EncumbranceType = \"Encroachment\" AND\n(ValueMarketabilityImpactType = \"Adverse\" OR \"Beneficial\"))\nOR\n(EncumbranceType = \"Encroachment\" AND\nValueMarketabilityImpactType = \"Neutral\" AND Exists)\n\nDisplays when SiteFeatureType <> \"None\"\n\nAlways displays\n\n− When \"Topography\", display Topography followed by TopographyType (UID:\n\n1500.0065, FID: 4.058) separated by a pipe “|”\n\n4.063\n\nDetail\n\n1500.0062\n\nSiteFeatureType\n\n− When \"Drainage\", display Drainage followed by SiteDrainageReasonType\n\n(UID: 1500.0060, FID: 4.058) separated by a pipe “|”\n(e.g., Drainage | Standing Water)\nEach Site Characteristic displays on a separate row\n\n−\n−\n\n4.064\n\nImpact\n\n1500.0180\n\nValueMarketabilityImpactType\n\nDisplay when SiteFeatureType <> \"None\"\n\n4.065\n\nComment\n\n1500.0179\n\nSiteFeatureDescription\n\nDisplay when (SiteFeatureType <> \"None\" AND\n(ValueMarketabilityImpactType = \"Adverse\" OR \"Beneficial\")) OR Exists\n\nSite Features Commentary\n\n4.066\n\nSite Features Commentary\n\n1500.0252\n\nValuationAnalysisCategoryType\n\nDisplay when ValuationAnalysisCategoryType = “SiteFeatures” AND Exists\n\nFigure 4 - 9\n\nUtilities and Impact to Value/Marketability\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nThe Utilities and Impact to Value/Marketability subsection always displays. It indicates whether the utilities that are listed on the report are\nconnected to the site, and whether the utility is public or private.\n\n• Electricity, Sanitary Sewer, and Water always display as row headers and in alphabetical order on the report.\n• Gas displays only when UtilityType (UID: 1500.0104, FID: 4.075) = “Gas” is indicated.\n"} diff --git a/chunks/json/0f70d3f290221cd55eac80cf24bc5b5de9187d66b1086b21a2b6fbd9dbd739f5.json b/chunks/json/0f70d3f290221cd55eac80cf24bc5b5de9187d66b1086b21a2b6fbd9dbd739f5.json new file mode 100644 index 0000000000000000000000000000000000000000..3d278c2ddea2c8198e173ac916ddd101517fe7f3 --- /dev/null +++ b/chunks/json/0f70d3f290221cd55eac80cf24bc5b5de9187d66b1086b21a2b6fbd9dbd739f5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14043,"char_start":12376,"chunk_id":"chk_c74da592f831cc04","chunk_index":7,"chunk_sha256":"0f70d3f290221cd55eac80cf24bc5b5de9187d66b1086b21a2b6fbd9dbd739f5","date_utc":"2026-01-27T17:48:00+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_91d238884cfd63d3","text_sha256":"0f70d3f290221cd55eac80cf24bc5b5de9187d66b1086b21a2b6fbd9dbd739f5","token_estimate":417,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Loss_Mitigation___FHFA_cgj3mf.md"]},"text":"- Capitalize arrearages (such as missed payments)\n- Reduction of interest rate to the lesser of the current modification rate or the borrower's rate, for borrowers with mark-to-market loan-to-value (MTMLTV) above or equal to 80% (MTMLTV takes the remaining principal balance, divided by the current home value)\n- Term extension to 40 years from the modification date\n- Forbear principal if needed to reduce the MTMLTV to 100%, with a maximum forbearance of 30% of the post modification unpaid principal balance (UPB)\n- For borrowers who are less than 90 days past due, if the borrower has not achieved a 20% payment reduction and 40% Housing expense-to-Income Ratio (HTI), forbear additional principal until those targets are met, down to 80% MTMLTV, with a maximum of 30% of the post modification UPB\n- For borrowers who are 90 days or more past due, Flex Mod provides additional forbearance for borrowers with MTMLTVs above 80% if needed to target a 20% payment reduction\nFlex Modification may be offered to eligible borrowers who have submitted a complete application and are less than 90 days delinquent, or to eligible borrowers who have not submitted an application and are at least 90 days delinquent.\n\n### Short Sale\n\nShort Sale is a foreclosure alternative where a borrower sells the home for less than the balance remaining on the mortgage. The borrower sells the home and pays off a portion of the mortgage balance with the proceeds. The borrower may be required to pay off the remaining mortgage balance. A short sale allows a borrower to transition out of the home without going through foreclosure. In some cases, relocation assistance may be available.\n"} diff --git a/chunks/json/0f82f1b50ded1a3540c060abbd8657228a474aba500341134a937675ff7c85bf.json b/chunks/json/0f82f1b50ded1a3540c060abbd8657228a474aba500341134a937675ff7c85bf.json new file mode 100644 index 0000000000000000000000000000000000000000..e923976294912b9256153b30314858171ae32d24 --- /dev/null +++ b/chunks/json/0f82f1b50ded1a3540c060abbd8657228a474aba500341134a937675ff7c85bf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18170,"char_start":16561,"chunk_id":"chk_20a0295a9445c651","chunk_index":10,"chunk_sha256":"0f82f1b50ded1a3540c060abbd8657228a474aba500341134a937675ff7c85bf","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"0f82f1b50ded1a3540c060abbd8657228a474aba500341134a937675ff7c85bf","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Foundation\n\nRoof\n\nDetail\nEngineered Wood\n\nQuality Comment\nT-111 siding\n\nCondition Status\nTypical Wear and Tear\n\nCondition Comment\nAdd comment if needed.\n\nMetal | Post and Pier\n\nAdd comment if needed.\n\nTypical Wear and Tear\n\nAdd comment if needed.\n\nMetal\nEstimated Age:\n20 or more years\n\nAdd comment if needed.\n\nTypical Wear and Tear\n\nRust noted on the roof.\nMetal galvanized roofs can\ndeteriorate when rust forms.\nNo ruptures or leaks noted at\nthe time of inspection.\n\nWindows\n\nInsulated\n\nAdd comment if needed.\n\nNew or Like New\n\nAdd comment if needed.\n\nMechanical System Details\n\nHeating\n\nCooling\n\nSystem\nNone\n\nNone\n\nDetail\nTypical for Market\n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior - Building 2)\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nRoof\n\nLocation\nEntire Roof\n\nDescription\nRust noted on the roof. Metal galvanized roofs\ncan deteriorate when rust forms. No ruptures\nor leaks noted at the time of inspection.\n\nAffects Soundness or\nStructural Integrity\nNo\n\nRecommended\nAction\nNone\n\nDwelling Exterior Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\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 10 of 29\n\nDwelling Exterior - Building 2 (continued)\n\nDwelling Exterior Exhibits\n\nDwelling Rear\n\nApparent Defects, Damages, Deficiencies - Roof\n\nThis is where the Dwelling 2 Rear photo would display.\n\nThis is where the Dwelling 2 Roof Defect photo would display.\n"} diff --git a/chunks/json/0f94fe47c4edc083e129e477550e83a3e64df169a4bc5a0c3a6f9fd9d21b7633.json b/chunks/json/0f94fe47c4edc083e129e477550e83a3e64df169a4bc5a0c3a6f9fd9d21b7633.json new file mode 100644 index 0000000000000000000000000000000000000000..c57dc0c50624adff19b198020a45857780483041 --- /dev/null +++ b/chunks/json/0f94fe47c4edc083e129e477550e83a3e64df169a4bc5a0c3a6f9fd9d21b7633.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4940,"char_start":3311,"chunk_id":"chk_db7293c937b3febc","chunk_index":2,"chunk_sha256":"0f94fe47c4edc083e129e477550e83a3e64df169a4bc5a0c3a6f9fd9d21b7633","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_74693827ca0fe5b1","text_sha256":"0f94fe47c4edc083e129e477550e83a3e64df169a4bc5a0c3a6f9fd9d21b7633","token_estimate":408,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/desktop-underwriter-validation-service-april-release-notes-april-17-2021.pdf"]},"text":"Message about large deposits\nThe DU validation service automates the assessment of large deposits on purchase transactions. When a large deposit needs to\nbe documented, DU will issue a message. The current message notifying lenders of a large deposit may be issued more than once\nas it is issued for each large deposit that is required to be documented. To simplify the identification of large deposits, the existing\nmessage will be replaced with a message in table format with each large deposit displayed in the table.\n\nDU validation service message changes\n\nMessage placement\nTo improve clarity and organization of the DU validation service messages in the DU findings, the placement of messages in the\nDU findings will be modified as defined below. This change will apply to all loans submitted or resubmitted on or after April 18,\n2021.\n\n• Messages indicating whether a VOI/E report, a Tax Transcript or a VOA report has been obtained will be moved\nfrom the “Employment and Income” section to the “Verification Messages/ Approval Conditions” section.\n\n• Messages related to receipt of a VOA report will be moved from the “Verification Messages/ Approval Conditions”\n\nsection to the “Assets” section.\n\nUpdates to column headers in message tables\nSome column headers in the DU validation service messages will be updated to provide consistency and clarity as defined below.\nThis change will apply to all loans submitted or resubmitted on or after April 18, 2021.\n\nCurrent Column Name\n\nNew Column Name\n\nVendor Match (for employment validation messages)\n\nEmployer Name(s) in Report\n\nVendor Match (for income validation messages)\n"} diff --git a/chunks/json/0fae3ff8f30972b15ee30a725dfa251f3f6da507dd06ecf795159bc0ca40bef2.json b/chunks/json/0fae3ff8f30972b15ee30a725dfa251f3f6da507dd06ecf795159bc0ca40bef2.json new file mode 100644 index 0000000000000000000000000000000000000000..614ebbf7f02e9a86ebaed19b12fdd48144b6bd1f --- /dev/null +++ b/chunks/json/0fae3ff8f30972b15ee30a725dfa251f3f6da507dd06ecf795159bc0ca40bef2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7213,"char_start":5418,"chunk_id":"chk_5655f6d867299257","chunk_index":3,"chunk_sha256":"0fae3ff8f30972b15ee30a725dfa251f3f6da507dd06ecf795159bc0ca40bef2","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b850f9caac2f0a9c","text_sha256":"0fae3ff8f30972b15ee30a725dfa251f3f6da507dd06ecf795159bc0ca40bef2","token_estimate":449,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-release-may-17-2025.pdf"]},"text":"Other CPM delivery restrictions will not impact the DU recommendation but may require the lender to confirm the loan meets the\nspecified restrictions for the loan to be eligible for sale to Fannie Mae. For example, if a project has a delivery restriction requiring\na lender to confirm there are no damages to the project from a disaster, the lender must take steps to confirm that the project\nwas either not impacted by the disaster or that any material damage was remediated.\n\nValue Acceptance\n\nCurrently when DU determines that a loan casefile is eligible for value acceptance, value acceptance + property data, or a hybrid\nappraisal, the Construction Loan Type in the loan application data is not taken into consideration. With this update, loan casefiles\nwith a Construction Loan Type of Construction-to-Permanent will not be eligible for value acceptance, value acceptance +\nproperty data, or a hybrid appraisal. This will align DU with the Selling Guide where “proposed construction” is specified as\nineligible for these property assessment and valuation options.\n\n© 2025 Fannie Mae.\n\n3.19.25\n\n2 of 4\n\nNote: Any DU loan casefile with a Construction Loan Type of Construction-to-Permanent that was eligible for value\nacceptance (appraisal waiver), value acceptance + property data, or a hybrid appraisal prior to May 17 will lose that\neligibility if the loan casefile is resubmitted after the weekend of May 17.\n\nRefinance of Fannie Mae Loans\n\nThere are messages in DU that look for Fannie Mae as the Owner of Existing Mortgage, as provided in the loan application data.\nMessages regarding eligibility for sale to Fannie Mae are issued on limited cash-out refinance transactions with LTV ratios over\n95%, and messages regarding project review requirements are issued on condo transactions.\n"} diff --git a/chunks/json/0fc07640b9737ec90e1e2f07c44b9a9b035b1375e89971ec4dcdd1e1f92fa7b1.json b/chunks/json/0fc07640b9737ec90e1e2f07c44b9a9b035b1375e89971ec4dcdd1e1f92fa7b1.json new file mode 100644 index 0000000000000000000000000000000000000000..0e775f6dce9a46808c73930dd1dfac0428859991 --- /dev/null +++ b/chunks/json/0fc07640b9737ec90e1e2f07c44b9a9b035b1375e89971ec4dcdd1e1f92fa7b1.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12492,"char_start":10315,"chunk_id":"chk_26bd34eabad7e59f","chunk_index":6,"chunk_sha256":"0fc07640b9737ec90e1e2f07c44b9a9b035b1375e89971ec4dcdd1e1f92fa7b1","date_utc":"2026-01-27T17:47:54+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f4f3860dcd650d0f","text_sha256":"0fc07640b9737ec90e1e2f07c44b9a9b035b1375e89971ec4dcdd1e1f92fa7b1","token_estimate":636,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Pilot_Transparency___FHFA_k52rzik.md"]},"text":"{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/12701\",\"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); })();\n"} diff --git a/chunks/json/0fc3e5795d4ebea3d7ba2a86cdc7ef78b7d4f1382ac0a6ad345bcfce750b3e3e.json b/chunks/json/0fc3e5795d4ebea3d7ba2a86cdc7ef78b7d4f1382ac0a6ad345bcfce750b3e3e.json new file mode 100644 index 0000000000000000000000000000000000000000..9ca486ac484853cc3b0cf4d4ceb81cf31958c58f --- /dev/null +++ b/chunks/json/0fc3e5795d4ebea3d7ba2a86cdc7ef78b7d4f1382ac0a6ad345bcfce750b3e3e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":351324,"char_start":349542,"chunk_id":"chk_19fd898444f05b54","chunk_index":193,"chunk_sha256":"0fc3e5795d4ebea3d7ba2a86cdc7ef78b7d4f1382ac0a6ad345bcfce750b3e3e","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"0fc3e5795d4ebea3d7ba2a86cdc7ef78b7d4f1382ac0a6ad345bcfce750b3e3e","token_estimate":446,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"1, p. 80352.\n\n10.3: Reg §1026.38(e)(6), p. 80122.\n10.9.3 | 10.9.4: Reg §1026.38(e)(5), p. 80122.\n\n10.10: Reg §1026.38(e)(1), p. 80121; 38(e)(1)-1, p. 80352\n\n10.11: Reg §1026.38(e)(4), p. 80122.\n\nAppendix E: UCD Implementation Guide\n\nPage 160 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n11.0 – 16.0 Summaries of Transactions - UPDATED\n\n11.0 – 16.0 SUMMARIE S OF TRANSACTIONS - UPDATED\n\nThe following sections from the Summaries of Transactions (SOT) table are included in the noted Closing\nDisclosure variations. Rows 14.0 – 16.0 are shaded out because the GSEs do not collect the SELLER’S\nTRANSACTION data. The Alternate Form column is shaded out because the SOT table is only used with purchase\ntransactions.\n\nTable 105. Required SOT Table Sections for each Closing Disclosure Variation -- UPDATED\n\nForm\nField ID\n\nForm Section Name\n\nPurchase Transactions Only\n\nModel Form\n\nSplit-Borrower Only\n\nNon-Seller Transactions Only\nAlternate Form\n\n✓\n\n✓\n\n✓\n\n✓\n\n✓\n\n✓\n\n11.0\n\n12.0\n\n13.0\n\n14.0\n\n15.0\n\n16.0\n\nK. Due from Borrower at\nClosing\n\nL. Paid Already by or on Behalf\nof Borrower at Closing\n\nCALCULATION\n\nM. Due to Seller at Closing\n\nN. Due from Seller at Closing\n\nCALCULATION\n\nA. LI NE I TEMS - UPDATED\n\nSections M and N (14-16) are no longer required to be delivered on a Purchase transaction. Any required data\nrelated to the Seller should be delivered in sections K and L (11-13). With these new requirements, the\ninformation presented on both the Model Form and Closing Disclosure – Borrower Only and the data delivered\nwill be equivalent.\n\nB. TOTALS AND SUBTOTALS - UPDATED\n\nThe line item amounts under each section heading highlighted in gray (K and L) sum up to the section subtotals.\nThe BORROWER’S TRANSACTION side has two subtotals and the resulting Total Cash to Close amount.\n"} diff --git a/chunks/json/0fc6c371db48b3fb4451d8246acb0f2123b80e6b6281f03a4a884ba4150f6989.json b/chunks/json/0fc6c371db48b3fb4451d8246acb0f2123b80e6b6281f03a4a884ba4150f6989.json new file mode 100644 index 0000000000000000000000000000000000000000..0209baa6e0ca2b0c93637bd5e1c0413313efad5f --- /dev/null +++ b/chunks/json/0fc6c371db48b3fb4451d8246acb0f2123b80e6b6281f03a4a884ba4150f6989.json @@ -0,0 +1 @@ +{"chunk":{"char_end":56250,"char_start":54650,"chunk_id":"chk_a4e3bbb5b3384014","chunk_index":29,"chunk_sha256":"0fc6c371db48b3fb4451d8246acb0f2123b80e6b6281f03a4a884ba4150f6989","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"0fc6c371db48b3fb4451d8246acb0f2123b80e6b6281f03a4a884ba4150f6989","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":" COLLATERAL\n LOAN_DETAIL\n CLOSING_COST_FUND\n\nNotes: Container names are capitalized and words are separated by an\n\nunderscore.\n\n2. Definition\n\nThe “definition” column provides the industry-standard description of the container.\nThe definition of containers in the LDD is not yet complete, and therefore many\ncontainers are still being defined. Where they are included, the MISMO definition\nwill tend to be very generic, as many containers are used in more than one mortgage\nindustry process. Given the lack of definition for many containers and the summary\nnature of existing definitions, an important role of the business partners implementing\nthe MISMO standard is to provide additional information about how each container is\nto be used in the transactions they are exchanging. Additional guidance can add detail\nto and interpret the MISMO definition, but should always be consistent with it.\n\nExample III-13. MISMO LDD Container Definitions and Business Partner\nGuidance.\n\nContainer: INTEREST_RATE_LIFETIME_ADJUSTMENT_RULE\nDefinition: Data that describes the rules that apply to interest rate adjustments in\n\neffect for the entire life of the loan or for a single unique occurrence\nsuch as a first rate adjustment. In general the elements are usually\nknown at the time of closing.\n\nNotes: Business partner guidance should clarify the description of the container in\n\ntwo ways:\n Clarify the scope of the data to be submitted in the container based\n\nupon expected child containers and data points. For example, if\nsettlement agent fees are not expected to be transmitted, provide that\nguidance.\n"} diff --git a/chunks/json/0fcd6cdd1eba6deb472dcbeb863d56bdf86141d6c2c330fad5867d4954ecce4a.json b/chunks/json/0fcd6cdd1eba6deb472dcbeb863d56bdf86141d6c2c330fad5867d4954ecce4a.json new file mode 100644 index 0000000000000000000000000000000000000000..372bf0d733145d2ece028469ca8c86291f7c5eba --- /dev/null +++ b/chunks/json/0fcd6cdd1eba6deb472dcbeb863d56bdf86141d6c2c330fad5867d4954ecce4a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":350235,"char_start":348614,"chunk_id":"chk_1fe5f54c1df4eafb","chunk_index":286,"chunk_sha256":"0fcd6cdd1eba6deb472dcbeb863d56bdf86141d6c2c330fad5867d4954ecce4a","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"0fcd6cdd1eba6deb472dcbeb863d56bdf86141d6c2c330fad5867d4954ecce4a","token_estimate":405,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Appendix B-1: URAR Implementation Guide v1.3\n\n21 Prior Sale and Transfer History\n\nPage 268\n\nThe Prior Sale and Transfer History section includes information and analysis regarding the recent transfer history of the subject property,\nand of the comparables appearing in the Sales Comparison Approach section. This section provides space for analysis and exhibits.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 269\n\nThe Prior Sale and Transfer History section always displays in the report.\n\nSubject Transfer History\n\nThe Subject Transfer History subsection and the italicized text “Prior sales and/or transfers of the subject property (minimum 3 year look\nback)” always display. This subsection provides information regarding the prior sales or transfers of the subject property, with a minimum\nthree-year lookback. This subsection must not include information for the current sale.\n\n➢ When there are no prior sales or transfers for the subject property, PriorSalesOrTransfersIndicator (UID: 0800.0005, FID: 21.000) =\n\n“false”, the following information is required, and the Subject Transfer History detail table does not display:\n• Prior Sales or Transfers – Display the text “None” next to the report label. (Figure 21 - 1)\n• Data Source – Display one or more values for DataSourceType (UID: 0700.0125, FID: 21.001).\n\no When there are multiple data sources, display them stacked.\no A relationship is required for each subject property data source. (See Arcrole/Data Relationships)\n\n• Analysis of Prior Sale and Transfer History of Subject Property – A comment is required in ValuationCommentText (UID: 1600.0008,\n"} diff --git a/chunks/json/0fd107344f0523260c0e30e94beb955fc69c8a259f71142b810b2b90b3201bac.json b/chunks/json/0fd107344f0523260c0e30e94beb955fc69c8a259f71142b810b2b90b3201bac.json new file mode 100644 index 0000000000000000000000000000000000000000..66cc12e5a309940bf1a6cbb2a8cef7eb48cc9035 --- /dev/null +++ b/chunks/json/0fd107344f0523260c0e30e94beb955fc69c8a259f71142b810b2b90b3201bac.json @@ -0,0 +1 @@ +{"chunk":{"char_end":98686,"char_start":97048,"chunk_id":"chk_30c6befedbbf7883","chunk_index":136,"chunk_sha256":"0fd107344f0523260c0e30e94beb955fc69c8a259f71142b810b2b90b3201bac","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"0fd107344f0523260c0e30e94beb955fc69c8a259f71142b810b2b90b3201bac","token_estimate":409,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"container in the same instance of the IMPROVEMENT container that represents this dwelling.\n\nPage 37\n\n• The data associated with each Accessory Dwelling Unit (ADU) in an outbuilding must be provided in an individual occurrence of the\n\nPROPERTY_UNIT container in the same instance of the IMPROVEMENT container that represents this outbuilding.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 38\n\n• When a single-family home has an ADU in the basement, the data associated with this ADU must be provided in a separate\n\noccurrence of the PROPERTY_UNIT container in the same instance of the IMPROVEMENT container that represents the dwelling in\nwhich the ADU is located. PROPERTY_UNIT/PROPERTY_UNIT_DETAIL/AccessoryDwellingUnitIndicator must be provided as “true” to\nindicate the unit is an ADU. In such a scenario, details about rest of the dwelling must be provided in another instance of the\nPROPERTY_UNIT container as shown in the below snippet. In the below XML, the second instance of the PROPERTY_UNIT container\nrepresents the ADU and the first instance of the PROPERTY_UNIT represents rest of the dwelling.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 39\n\nThe below snippet shows how the IMPROVEMENT and PROPERTY_UNIT containers repeat for a 2- to 4-unit property that has 2 living\nunits in the dwelling and has an ADU in the outbuilding.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 40\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 41\n\nThe Assignment Information section of the valuation report provides information about people and/or companies (“contacts”) that are\npertinent to the appraisal, including:\n"} diff --git a/chunks/json/0fe09a5e429d64d8028c47b9b74ec948e8e8300b994fcb5c940eb94c0b59bffe.json b/chunks/json/0fe09a5e429d64d8028c47b9b74ec948e8e8300b994fcb5c940eb94c0b59bffe.json new file mode 100644 index 0000000000000000000000000000000000000000..389cdd69b9f64645b29e30d155f787605c09f542 --- /dev/null +++ b/chunks/json/0fe09a5e429d64d8028c47b9b74ec948e8e8300b994fcb5c940eb94c0b59bffe.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10432,"char_start":8845,"chunk_id":"chk_ca219fd70375061d","chunk_index":5,"chunk_sha256":"0fe09a5e429d64d8028c47b9b74ec948e8e8300b994fcb5c940eb94c0b59bffe","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e1ff914957902b96","text_sha256":"0fe09a5e429d64d8028c47b9b74ec948e8e8300b994fcb5c940eb94c0b59bffe","token_estimate":397,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/cu-v-54-release-notes-april-19-2022.pdf"]},"text":"CU has identified market reaction\nto attributes that may differ from\nthe adjustment rates used by the\nappraiser. Ensure that the\nappraiser has made adjustments\naccurately reflecting market\nreaction. See the CU Adjustments\ntab for details.\n\nCU has identified heightened\novervaluation risk. Ensure that\nthe appraiser's value estimate is\nconsistent with the best market\ndata.\n\n1040\n\n1041\n\n1032\n\n1046\n\n1020\n\n1021\n\n1012\n\n1026\n\nCU has identified market reaction to 'Date of\nSale' that may differ from the adjustment rate\nused by the appraiser. Ensure that the\nappraiser has made adjustments accurately\nreflecting market reaction to this\nattribute. See the CU Adjustments tab for\ndetails.\n\nCU has identified market reaction to 'View'\nthat may differ from the adjustment rate used\nby the appraiser. Ensure that the appraiser has\nmade adjustments accurately reflecting\nmarket reaction to this attribute. See the CU\nAdjustments tab for details.\n\nCU has identified market reaction to attributes\nthat may differ from the adjustment rates\nused by the appraiser. Ensure that the\nappraiser has made adjustments accurately\nreflecting market reaction. See the CU\nAdjustments tab for details.\n\nCU has identified heightened undervaluation\nrisk. Ensure that the appraiser's value estimate\nis consistent with the best market data.\n\nFor More Information\n\nFor more information about these Release Notes, lenders may contact their Fannie Mae customer account team. Additional\ninformation including help and training is available on the Collateral Underwriter page.\n\n© 2022 Fannie Mae April 20, 2022 Page 4 of 4\n"} diff --git a/chunks/json/0ff2913018b08639875ed435b19bebf912b92ca754458ab9cc895dd52a108764.json b/chunks/json/0ff2913018b08639875ed435b19bebf912b92ca754458ab9cc895dd52a108764.json new file mode 100644 index 0000000000000000000000000000000000000000..f38b3ac435de66f8426c85baa0d33c4f869c2adf --- /dev/null +++ b/chunks/json/0ff2913018b08639875ed435b19bebf912b92ca754458ab9cc895dd52a108764.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17767,"char_start":15745,"chunk_id":"chk_348eed5db9fa52d0","chunk_index":9,"chunk_sha256":"0ff2913018b08639875ed435b19bebf912b92ca754458ab9cc895dd52a108764","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_139dfb51602e14ac","text_sha256":"0ff2913018b08639875ed435b19bebf912b92ca754458ab9cc895dd52a108764","token_estimate":506,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Hybrid_465H.pdf"]},"text":"STATEMENT 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 included a floor plan in this appraisal report, which was completed as part of the property data report\nthat shows the approximate dimensions of the improvements. The floor plan is included only to assist the reader in\nvisualizing the property and understanding the appraiser’s determination of its size\n\n3. The appraiser has relied on data provided by third parties in this appraisal report. Such data may include, but is not\nlimited to, flood maps, multiple listing real estate services, tax assessment records, public land records, satellite imagery,\nvirtual street views, property data services, surveys, engineering reports, and property data aggregations. After examination\nof the data and data sources, the appraiser has used only the data he or she considers reliable. The appraiser makes no\nguarantees, express or implied, regarding the accuracy of this data.\n\n4. Unless noted otherwise, the appraiser has relied on interior and exterior subject property data obtained through a\nproperty data report. Such data includes, but is not limited to, a floor plan, photographs, and property characteristics.\nAfter examination of the data and data sources, the appraiser has used only the data he or she considers reliable.\nThe appraiser assumes there are no material omissions and makes no guarantees, express or implied, regarding the\naccuracy of this data. The appraiser assumes that the property characteristics have not changed since the date of\nthe property data report.\n"} diff --git a/chunks/json/0ff64252156504a925ec9b8034bf47fd45d993a8e28532e578f3f817958ec532.json b/chunks/json/0ff64252156504a925ec9b8034bf47fd45d993a8e28532e578f3f817958ec532.json new file mode 100644 index 0000000000000000000000000000000000000000..3169fc136fcf4cc7e804c809b53ef3d944ca6673 --- /dev/null +++ b/chunks/json/0ff64252156504a925ec9b8034bf47fd45d993a8e28532e578f3f817958ec532.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14971,"char_start":13327,"chunk_id":"chk_3e003375acc433ce","chunk_index":16,"chunk_sha256":"0ff64252156504a925ec9b8034bf47fd45d993a8e28532e578f3f817958ec532","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"0ff64252156504a925ec9b8034bf47fd45d993a8e28532e578f3f817958ec532","token_estimate":411,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"The organization of the Restricted Appraisal Update Report PDF is laid out in a four-level hierarchy of information, each with defined headings and style.\n\n1. At the highest level, there are sections that appear in a black rounded tab with white lettering. This will repeat at the top of each page\n\nand will be followed by “(continued)” if a section goes onto another page.\n\n2. Next are subsections that are defined by a gray bar and indicate a grouping of information contained within each section.\n3. Labels are bolded.\n4. Sub-Labels are not bolded.\n\nPage 7\n\nHeader and Footer\n\nThe header and footer display on each page of the Restricted Appraisal Update Report. They provide navigation and reference notations including\nreport title, page numbers, and, if applicable, Reference IDs used by various parties to the appraisal.\n\nHeader Text displays on all pages of the report.\n\nPage 8\n\n•\n\nLeft side: DocumentType (UID: 2900.0042, FID: HF.001) = “Restricted Appraisal Update Report”\n\no Always displays\n\n• Right side: “Page X of XX” (where X stands for page number, and XX for total pages in document)\n\no Always displays\n\nSee Appendix E: Report Style Guide for details displaying the header.\n\nFooter Text displays on every page of the report.\n\n• Update Version # - AboutVersionIdentifier (UID: 2100.0020, FID: HF.002)\n\no Always displays\n\n• Fannie Mae | Freddie Mac - DocumentFormIssuingEntityNameType (UID: 2100.0050, FID: HF.003)\n\no Always displays\n\n• September 2024 - DocumentFormIssuingEntityVersionIdentifier (UID: 2100.0051, FID: HF.004)\n\no Always displays\n\n• Appraiser Reference ID - AppraiserFileIdentifier (UID: 2100.0019, FID: HF.005)\n"} diff --git a/chunks/json/10050d54dcfb63196208503925ed4491124b688f61903d3dde96a01e197801fb.json b/chunks/json/10050d54dcfb63196208503925ed4491124b688f61903d3dde96a01e197801fb.json new file mode 100644 index 0000000000000000000000000000000000000000..62a193fd3565b0ed3d05191dfa0d63cae2cb358e --- /dev/null +++ b/chunks/json/10050d54dcfb63196208503925ed4491124b688f61903d3dde96a01e197801fb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":45412,"char_start":44215,"chunk_id":"chk_456db241cac89947","chunk_index":18,"chunk_sha256":"10050d54dcfb63196208503925ed4491124b688f61903d3dde96a01e197801fb","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_bfc6a9e859d5b23f","text_sha256":"10050d54dcfb63196208503925ed4491124b688f61903d3dde96a01e197801fb","token_estimate":396,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_ubpw4r.md"]},"text":".login-block.menu-open .user-logout { position: inherit !important; float: left; margin-right: 5px; }\n\njQuery(document).ready(function () { jQuery('a[href^=\"#\"]:not(.hv-tabbed-content a)').on('click', function (e) { e.preventDefault(); const targetSelector = jQuery(this).attr('href'); const targetEl = jQuery(targetSelector); if (targetEl.length) { jQuery('html, body').animate( { scrollTop: targetEl.offset().top - 50, }, 500, function () { targetEl.attr('tabindex', '-1').focus(); } ); } }); });\n\n## Social media\n\n- [LinkedIn](https://www.linkedin.com/company/fannie-mae-corporation_19722)\n - [Facebook](https://www.facebook.com/fanniemae)\n - [Instagram](https://instagram.com/officialfanniemae)\n - [X (formerly Twitter)](https://twitter.com/FannieMae)\n\n## Footer menu\n\n- [Suppliers](https://www.fanniemae.com/portal/suppliers/index.html)\n - [Careers](https://careers.fanniemae.com/main)\n - [Contact Us](https://www.fanniemae.com/portal/about-fm/sf-mf-contacts.html)\n - [Legal](https://www.fanniemae.com/about-us/legal-disclosure)\n - [Privacy](https://www.fanniemae.com/about-us/corporate-governance/online-privacy-notice)\n - [Cookie Preferences](javascript:void(0);)\n\n© 2026 Fannie Mae\n"} diff --git a/chunks/json/10079552be6c5b11e3a426213813f66cf2c23879cdf51270c854dbd15c365314.json b/chunks/json/10079552be6c5b11e3a426213813f66cf2c23879cdf51270c854dbd15c365314.json new file mode 100644 index 0000000000000000000000000000000000000000..5687b13af5efcb1a3763c1d58767e2a154fdf8f9 --- /dev/null +++ b/chunks/json/10079552be6c5b11e3a426213813f66cf2c23879cdf51270c854dbd15c365314.json @@ -0,0 +1 @@ +{"chunk":{"char_end":55943,"char_start":54258,"chunk_id":"chk_a9f8189895f9e4a2","chunk_index":32,"chunk_sha256":"10079552be6c5b11e3a426213813f66cf2c23879cdf51270c854dbd15c365314","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"10079552be6c5b11e3a426213813f66cf2c23879cdf51270c854dbd15c365314","token_estimate":422,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"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\nowners or occupants of the subject property, or other parties involved in this transaction.\n\n2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this\nreport, or the demographics of the area where the property is located.\n\n3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that\napply to the appraiser and to the assignment.\n\n4. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser’s analyses,\nopinions, statements, conclusions, and the appraiser’s certification.\n\n5. The assignment information regarding the scope of inspection by the Supervisory Appraiser is correct.\n\n6. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser’s analyses, opinions,\nstatements, conclusions, and the appraiser’s certification.\n\n7. The appraiser identified in this appraisal report is either a subcontractor or an employee of the supervisory appraiser (or the appraisal firm),\nis qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable law.\n\n8. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the\nAppraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was transmitted.\n"} diff --git a/chunks/json/1008a8b3eefb4fbf172a1227bcb84a90b13f2c61e294fcf83370c20df800cdb2.json b/chunks/json/1008a8b3eefb4fbf172a1227bcb84a90b13f2c61e294fcf83370c20df800cdb2.json new file mode 100644 index 0000000000000000000000000000000000000000..f2042ccb55ebf2952a06038b46022b2b0e17506f --- /dev/null +++ b/chunks/json/1008a8b3eefb4fbf172a1227bcb84a90b13f2c61e294fcf83370c20df800cdb2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7136,"char_start":5371,"chunk_id":"chk_6aff1f23033e9354","chunk_index":3,"chunk_sha256":"1008a8b3eefb4fbf172a1227bcb84a90b13f2c61e294fcf83370c20df800cdb2","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d717f80567a593a4","text_sha256":"1008a8b3eefb4fbf172a1227bcb84a90b13f2c61e294fcf83370c20df800cdb2","token_estimate":441,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/display.pdf"]},"text":"June 27\n\nUCD Data Quality\n\nTo further refine UCD data quality, the following edit will be added as warning severity:\n\nEdit 3176: The Current Rate Set Date provided is after the Closing Date. Please ensure the Current Rate Set Date provided is\nprior to the Closing Date.\n\nJune 27\n\nMortgage Insurer\nName Change\n\nEffective Feb. 7, 2022, Genworth Mortgage Insurance Corporation formally changed its name to Enact Mortgage Insurance\nCorporation. Effective June 27, UCD will issue a warning edit (Edit 3175) for deliveries of the MI Company value Genworth.\nThe value of “Enact” has been added to the MICompanyNameTypeOtherDescription field (sort ID 894).\n\nEdit 3175: The MI Company provided is Genworth. Genworth Mortgage Insurance Corporation has formally changed its name\nto Enact Mortgage Insurance Corporation effective Feb. 7, 2022. The MI Company enumeration value for Enact should be\ndelivered in the MICompanyNameType field as “Other” and in the MICompanyNameTypeOtherDescription field as “Enact”.\n\n© 2022 Fannie Mae\n\nDecember 2022\n\nEffective\nDate\n\nImpacted Area\n\nMay 23\n\nUCD Critical Edits -\n\nPhase 2\n\nImplementation\n\nDescription\n\nTo further refine UCD Phase 2 data quality, the following new edit will be added as warning-to-fatal severity in relation to\nSeller Credits:\n\nEdit 3425: When Loan Purpose Type is equal to Purchase, the Closing Adjustment Item Type of SellerCredit in the Closing\nAdjustment Item Detail container is required.\n\nAdditionally, the following existing UCD Phase 2 fatal severity edit messages will be updated to provide additional\ninformation/clarity:\n\nEdit 3416: The Closing Adjustment Item Section Type of PaidAlreadyByOrOnBehalfOfBorrowerAtClosing is required as part\nof Seller Credit data (even if a 0 value) for all Purchase loans.\n"} diff --git a/chunks/json/100bef01adae6717c6138fa11d87437f6862d30ad1a471beb60904c904022057.json b/chunks/json/100bef01adae6717c6138fa11d87437f6862d30ad1a471beb60904c904022057.json new file mode 100644 index 0000000000000000000000000000000000000000..d106be46cb7ebbb43ac8a67b793f6437868c1ae3 --- /dev/null +++ b/chunks/json/100bef01adae6717c6138fa11d87437f6862d30ad1a471beb60904c904022057.json @@ -0,0 +1 @@ +{"chunk":{"char_end":25875,"char_start":24229,"chunk_id":"chk_7c278bd0987f3b8f","chunk_index":7,"chunk_sha256":"100bef01adae6717c6138fa11d87437f6862d30ad1a471beb60904c904022057","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6ed14f279c811ac1","text_sha256":"100bef01adae6717c6138fa11d87437f6862d30ad1a471beb60904c904022057","token_estimate":410,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__UCD_Collection_Solution___Fannie_Mae_y4gsja.md"]},"text":"Yes, The [UCD Collection Solution Test Environmen](https://ucd-clve.fanniemae.com/UCDepot/)t (UCD CLVE) is available to support the rollout of the UCD Collection Solution enhancements. UCD CLVE mirrors the UCD production application. The UCD CLVE allows lenders and technology solution providers to test UCD XML files for import, as well as test for manual entry. Please refer to the [UCD Collection Solution Test Environment Overview](/media/document/pdf/ucd-collection-solution-test-environment-overview) for details.\n\nLoad of the UCD XML File\n\n**Q13. How will a user access the UCD user interface to perform a manual file upload?**\n\nCustomers will have two options for delivering the UCD file through a web-based user interface:\n\n- Selecting the Launch button on the [UCD Collection Solution page](/learning-center/delivering/uniform-closing-dataset-ucd-collection-solution) on FannieMae.com; or\n - Selecting the UCD link embedded in the Loan Delivery application.\n **Q14. How will user access be managed for the UCD collection solution?**\n\nFannie Mae sellers with existing Loan Delivery credentials were automatically granted access to the UCD collection solution. If there are additional individuals who require access to the UCD collection solution who do not already have access to Loan Delivery, they may be granted access through [Technology Manager](/applications-technology/technology-manager). Fannie Mae non-sellers who require access to the UCD collection solution should refer to the [Quick Guide: Access to UCD for Non-Sellers](/media/document/pdf/quick-guide-access-ucd-non-sellers) for details on the registration process.\n"} diff --git a/chunks/json/10116fcb296fbe875409f6950a77008b02e1da67f441ba352d9cc3e565666ce5.json b/chunks/json/10116fcb296fbe875409f6950a77008b02e1da67f441ba352d9cc3e565666ce5.json new file mode 100644 index 0000000000000000000000000000000000000000..137486db150990f8ddd9306d9dce5f05d5180759 --- /dev/null +++ b/chunks/json/10116fcb296fbe875409f6950a77008b02e1da67f441ba352d9cc3e565666ce5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":687166,"char_start":685517,"chunk_id":"chk_344996d54da8ab4f","chunk_index":409,"chunk_sha256":"10116fcb296fbe875409f6950a77008b02e1da67f441ba352d9cc3e565666ce5","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"10116fcb296fbe875409f6950a77008b02e1da67f441ba352d9cc3e565666ce5","token_estimate":412,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Choose an\nallowable answer\nfrom table\n(Comparable\nWeight)\n\nComparable Weight is\nonly applicable to\ncomparables\n\nNo\n\nThe relative emphasis given to the GRM comparable by the appraiser in\nsupport of the indicated value by the income approach.\n\nExamples of scenarios with 3 comparables:\n•\n\nThe appraiser relied primarily on 2 comparables that were given\nequal consideration and included a third comparable as supporting\nthe data. Select Most, Most, and Less.\nThe appraiser relied primarily on 1 comparable that was given\nmost consideration, and included 2 comparables that were\nconsidered to be representative but less relevant than the primary\ncomparable. Select Most, Less, and Less.\nAll comparables were equally considered good market indicators.\nSelect Most, Most, and Most.\n\n•\n\n•\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nComparable Weight – Choose one answer for each Comparable\n\nMost\n\nLess\n\nNo Weight\n\nThe contribution of the comparable was given more or most emphasis compared to other comparables.\n\nThe contribution of the comparable was given less emphasis than comparables weighted as Most.\n\nThe comparable was included but given no weight.\nExample: The property is similar to the subject but was given no weight due to extenuating circumstances, such as a model\nmatch that was not a typical market transaction.\n\nAppendix F-1: URAR Reference Guide\n\nPage 308 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n24 Income Approach\n\nIndicated Value by Income Approach\n\nThe Indicated Value by Income Approach subsection always displays when Income Approach is included in the report. It references information\nabout the subject property.\n"} diff --git a/chunks/json/1019ecce8db4bbe4011882dade50b6d4fe4cc54cf3b199d5bd7f4086b9fec911.json b/chunks/json/1019ecce8db4bbe4011882dade50b6d4fe4cc54cf3b199d5bd7f4086b9fec911.json new file mode 100644 index 0000000000000000000000000000000000000000..896185891fc7119dc4e7083878c452c2793a861b --- /dev/null +++ b/chunks/json/1019ecce8db4bbe4011882dade50b6d4fe4cc54cf3b199d5bd7f4086b9fec911.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12138,"char_start":10377,"chunk_id":"chk_525c939ec544790b","chunk_index":6,"chunk_sha256":"1019ecce8db4bbe4011882dade50b6d4fe4cc54cf3b199d5bd7f4086b9fec911","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_1ab6b983690007f8","text_sha256":"1019ecce8db4bbe4011882dade50b6d4fe4cc54cf3b199d5bd7f4086b9fec911","token_estimate":435,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Policy___FHFA_wh72h5.md"]},"text":"- ## Deemed-Issuance Ratio\n\nDeemed-issuance ratio for each calendar year based on the ratio of TBA-eligible securities.\n\n[View info](/policy/deemed-issuance-ratio)\n\n- ## Fannie Mae and Freddie Mac Multifamily Businesses\n\nRequirements for the Enterprises to continue using credit risk transfers for their multifamily business, resulting in the private market sharing in potential credit losses.\n\n[View info](/policy/enterprise-multifamily-businesses)\n\n- ## Guarantee Fees History\n\nThe guarantee fee (g-fee), covers projected credit losses from borrower defaults over the life of the loans, administrative costs, and a return on capital.\n\n[View info](/policy/guarantee-fees)\n\n- ## Non-Performing (NPL) and Re-Performing Loan (RPL) Sales\n\nSales reducing the number of delinquent loans held in the Enterprises' inventories to transfer credit and interest rate risk to the private sector.\n\n[View info](/policy/non-performing-re-performing-loan-sales)\n\n- ## Representation and Warranty Framework\n\nInformation about Fannie Mae and Freddie Mac’s Representation and Warranty Framework.\n\n[View info](/policy/representation-and-warranty-framework)\n\n- ## Credit Risk Transfer\n\nInformation about Fannie Mae's and Freddie Mac's credit risk transfer programs.\n\n[View Info](/policy/credit-risk-transfer)\n\n- ## Executive Compensation\n\nExecutive compensation for Federal Home Loan Bank directors and Fannie Mae's and Freddie Mac's senior executives.\n\n[View info](/policy/executive-compensation)\n\n- ## Fannie Mae & Freddie Mac Private Mortgage Insurer Eligibility Requirements (PMIERS)\n\nRequirements for the purchase of single-family mortgage loans where the outstanding principal balance of the mortgage exceeds 80% of the value of the underlying property.\n"} diff --git a/chunks/json/102044b92d1afa380c60864045375bf4f7954d578d6ee057adf4924bf9b98e1b.json b/chunks/json/102044b92d1afa380c60864045375bf4f7954d578d6ee057adf4924bf9b98e1b.json new file mode 100644 index 0000000000000000000000000000000000000000..655deaf7d8b212edba94925e306abf48e7c8dd4d --- /dev/null +++ b/chunks/json/102044b92d1afa380c60864045375bf4f7954d578d6ee057adf4924bf9b98e1b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8103,"char_start":6480,"chunk_id":"chk_282e83a062023b9e","chunk_index":4,"chunk_sha256":"102044b92d1afa380c60864045375bf4f7954d578d6ee057adf4924bf9b98e1b","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"102044b92d1afa380c60864045375bf4f7954d578d6ee057adf4924bf9b98e1b","token_estimate":406,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo2_Appraisal/_.pdf/Condo2_Appraisal_v1.3.pdf"]},"text":"Page 3 of 24\nPage 3 of 24\n\nSite\n\nTotal Site Size\n\n13,939 Sq. Ft.\n\nNumber of Parcels\n\n1\n\nAssessor Parcel Number (APN)\n300.200.1000\n\nAPN Description\nLand with Dwelling\n\nParcel Size\n13,939 Sq. Ft.\n\nZoning\n\nCompliance\nClassification Code\nClassification Code Description\n\nLegal\nRC-1\nResidential - Condominium\n\nProperty Use\n\nNon-Residential Use\n\nNone\n\nProperty Access\nPrimary Access\nStreet Type and Surface\nKnown Maintenance Agreement Yes\nYes\nTypical for Market\n\nPrivate Street\nCul-de-sac | Asphalt\n\nDescription of Property Access Subject’s project has designated\nprivate asphalt roads. The responsibilities and maintenance of these\nroads is outlined and stated in the condominium master deed which\nis recorded. Private roads within site condominium complexes in this\narea are common and have no adverse effect on marketability.\n\nSite Influence\n\nInfluence\nGated Community\n\nGolf Course\n\nProximity\nOnsite\n\nBordering\n\nDetail\n\nImpact\nBeneficial\n\nBeneficial\n\nComment\n\nSite Influence Commentary The subject property backs to a golf course with views of the 15th hole. The property does sit back from the\ncourse and is unaffected by stray golf balls.\n\nView and Impact to Value/Marketability\n\nView\nGolf Course (Primary)\n\nResidential\n\nRange of View\nFull\n\nFull\n\nSite Features and Impact to Value/Marketability\n\nFeature\nHazard Zone\n\nDetail\nNo Hazard Zone Noted\n\nUtilities and Impact to Value/Marketability\n\nBroadband Internet Available\n\nYes\n\nImpact\nBeneficial\n\nNeutral\n\nImpact\n\nComment\n\nPrivate\n\nDetail\n\nPrivate Utility\nImpact\n\nComment\n\nElectricity\n\nGas\n\nSanitary Sewer\n\nWater\n\nPublic\n\n\n\n\n\nApparent Defects, Damages, Deficiencies (Site)\n"} diff --git a/chunks/json/10220cb92818906a469dfe3b4d0822029299409fe1223b7055a8aa8f1d090617.json b/chunks/json/10220cb92818906a469dfe3b4d0822029299409fe1223b7055a8aa8f1d090617.json new file mode 100644 index 0000000000000000000000000000000000000000..160ab26b86cc0cba7477d25d2663cdd05604146c --- /dev/null +++ b/chunks/json/10220cb92818906a469dfe3b4d0822029299409fe1223b7055a8aa8f1d090617.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4933,"char_start":3272,"chunk_id":"chk_04569f570fcb9cb5","chunk_index":2,"chunk_sha256":"10220cb92818906a469dfe3b4d0822029299409fe1223b7055a8aa8f1d090617","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3abea005a829814f","text_sha256":"10220cb92818906a469dfe3b4d0822029299409fe1223b7055a8aa8f1d090617","token_estimate":415,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/uad-lender-readiness-kit.pdf"]},"text":"• More discrete data – less freeform text – no more addenda\n\n• Reduces subjectivity to enhance impartiality\n\n• Easier searchability and more automation opportunities\n\n• Clarification of adverse items and their severity\n\n• More objective valid values for property condition to allow more efficiency when routing\n\ninternal reviews\n\nApril 2025 | 8\n\nHow It All Works Together\n\nMinimize review times and improve productivity:\n\n• Streamlined GSE messaging on all property types\n\n•\n\nIncreased machine-readable data that better identifies key risk indicators\n\nGSE selling and servicing guides and systems will be updated to align with the new UAD\n\nFannie Mae\nEarly Check®\nCollateral Underwriter®\nDesktop Underwriter® (DU®)\nLoan Delivery®\n\nFreddie Mac\nLoan Quality Advisor®\nLoan Collateral Advisor®\nLoan Product Advisor® (LPA®)\nLoan Selling Advisor®\n\nApril 2025 | 9\n\nHow It All Works Together\n\nNew UAD Compliance API\n\nReduce revisions – the appraiser can check UAD compliance early (prior to submitting\nto client)\n\n• Appraisal software vendors will have access to each GSE’s API to verify that the\ndata complies with the UAD specification for conditionality and completeness\n\nApril 2025 | 10\n\nHow It All Works Together\n\nModernized Uniform Collateral Data Portal® (UCDP) functionality supports UAD v3.6 whether\nthrough a vendor-provided solution or GSE’s web-based interface\n\n• UCDP remains a common portal for submitting appraisal data files\n\n• The SSR redesign provides more pertinent information; available in PDF and JSON\n\n• Message severity updates and removal of manual overrides\n\n• Retrieval of the submitted appraisal XML file and PDF report directly from UCDP\n"} diff --git a/chunks/json/1046bd32babd0958a1872eba1d39ea8503085dec39b58f31efe6fc2175023e6c.json b/chunks/json/1046bd32babd0958a1872eba1d39ea8503085dec39b58f31efe6fc2175023e6c.json new file mode 100644 index 0000000000000000000000000000000000000000..d2b72f4117e62bb142a618765b92fb21ad31c067 --- /dev/null +++ b/chunks/json/1046bd32babd0958a1872eba1d39ea8503085dec39b58f31efe6fc2175023e6c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4857,"char_start":3237,"chunk_id":"chk_b6d4312cd905238a","chunk_index":2,"chunk_sha256":"1046bd32babd0958a1872eba1d39ea8503085dec39b58f31efe6fc2175023e6c","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0eda6969e4a31965","text_sha256":"1046bd32babd0958a1872eba1d39ea8503085dec39b58f31efe6fc2175023e6c","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-quick-start-guide.pdf"]},"text":"▪ UCD v2.0 Tab 4b-\nRevision Log\nv1.5-v2.0 for UIDs\nof all deleted\nFEE_DETAIL\ndata points.\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks are the property of their respective owners.\n\nDecember 2025\n\n2\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by\nFannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.\n\nChange\n\nDescription\n\nPotential Impact\n\nAllow industry to\nidentify fees more\naccurately\n\n▪ Many new ucd:FeeItemType\n\n▪ Fees you have had to provide in\n\nenumerations were added to replace\nand reduce current mappings to ‘Other’\nfor FeeType. The new enumerations\nwere added from the MISMO v3.6\nreference model, suggestions from\nMISMO work groups, as well as text\noften included in the\nFeeTypeOtherDescription data point.\n\n▪ ucd:FeeItemType enumerations have\n\nbeen given a separate tab and a special\nsearch feature in the UCD v2.0.\n\nFeeTypeOtherDescription now likely can be delivered\nusing a new ucd:FeeItemType enumeration.\n\n• Use ucd:FeeItemTypeOtherDescription only when\nan enumeration that reasonably reflects the fee is\nnot supported by the UCD Specification version.\n\n• If a reasonable, valid enumeration exists in the UCD\n\nfor the item being represented on the Closing\nDisclosure (CD), it must be provided in the UCD\nXML file.\n\n▪ A few UCD v1.5 FeeType enumerations have\n\nbeen retired. Use the granular\nucd:FeeItemType enumerations for each line\nitem on the CD.\n• AmortizationFee\n• CLOAccessFee\n• GeneralCounselFee\n• NewLoanAdministrationFee\n• PropertyTaxStatusResearchFee\n• TaxRelatedServiceFee\n• TransferTaxTotal\n\nAdditional\nInformation\n"} diff --git a/chunks/json/105f343f17e79c600ce5aa79d4d18e022d71c4760760b4d31a4a83360671dfcc.json b/chunks/json/105f343f17e79c600ce5aa79d4d18e022d71c4760760b4d31a4a83360671dfcc.json new file mode 100644 index 0000000000000000000000000000000000000000..3aead8bf700fc914d1bc74f96eacf5da9b726e01 --- /dev/null +++ b/chunks/json/105f343f17e79c600ce5aa79d4d18e022d71c4760760b4d31a4a83360671dfcc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":207025,"char_start":205400,"chunk_id":"chk_30a970d23edc9d60","chunk_index":120,"chunk_sha256":"105f343f17e79c600ce5aa79d4d18e022d71c4760760b4d31a4a83360671dfcc","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"105f343f17e79c600ce5aa79d4d18e022d71c4760760b4d31a4a83360671dfcc","token_estimate":407,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Appraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)\n\nUniform Residential Appraisal Report\n\nPage 18 of 24\nPage 18 of 24\n\nSales Comparison Approach (continued)\n\nSales Comparison Map\n\nThis is where the map of sales and rental comparables would display.\n\nAppraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)\n\nUniform Residential Appraisal Report\n\nPage 19 of 24\nPage 19 of 24\n\nSales Comparison Approach (continued)\n\nSales Comparison Approach Exhibits\n\nComparable #1\n\nComparable #2\n\nThis is where the Comparable 1 photo would display.\n\nThis is where the Comparable 2 photo would display.\n\nComparable #3\n\nComparable #4\n\nThis is where the Comparable 3 photo would display.\n\nThis is where the Comparable 4 photo would display.\n\nRental Information\n\nRent Schedule\n\nSubject Property Rental Information\n\nCurrently\nRented\nNo\n\nOccupancy\nVacant\n\nMonthly\nRent\n$0\n\nMonth-to-\nMonth\n\nLease Start\n\nRent\nControl\nNo\n\nRent\nConcessions\n\nUtilities/\nServices\nIncluded\n\nFurnished\n\nActual Income (Monthly)\n\nRent\n\nSubtotal\n\nOther Real Property Rental Income\n\nNone\n\nSubtotal\n\nTotal\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\nOpinion of Market Income (Monthly)\n\nRent\n\n$3,500\n\nSubtotal\n\n$3,500\n\nOther Real Property Rental Income\n\nNone\n\nSubtotal\n\n$0\n\n$0\n\nTotal\n\n$3,500\n\nAppraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)\n\nUniform Residential Appraisal Report\n\nPage 20 of 24\nPage 20 of 24\n"} diff --git a/chunks/json/1060b493f1921ca9d8cef5898c7986c6c780d2ce7480739b0f5bcb1b6083ac55.json b/chunks/json/1060b493f1921ca9d8cef5898c7986c6c780d2ce7480739b0f5bcb1b6083ac55.json new file mode 100644 index 0000000000000000000000000000000000000000..0a24d7dbfaecb63bcfc4cd30eef67e75aeb0b7e0 --- /dev/null +++ b/chunks/json/1060b493f1921ca9d8cef5898c7986c6c780d2ce7480739b0f5bcb1b6083ac55.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16112,"char_start":13935,"chunk_id":"chk_0b79afff1d610078","chunk_index":8,"chunk_sha256":"1060b493f1921ca9d8cef5898c7986c6c780d2ce7480739b0f5bcb1b6083ac55","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_1ab6b983690007f8","text_sha256":"1060b493f1921ca9d8cef5898c7986c6c780d2ce7480739b0f5bcb1b6083ac55","token_estimate":636,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Policy___FHFA_wh72h5.md"]},"text":"{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/34966\",\"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); })();\n"} diff --git a/chunks/json/108f44918fd21ba0368fddbedcf45236d2d87847af3df5049169113f0214b719.json b/chunks/json/108f44918fd21ba0368fddbedcf45236d2d87847af3df5049169113f0214b719.json new file mode 100644 index 0000000000000000000000000000000000000000..a19c615cbbaf0163558c59138e96617920dc5eac --- /dev/null +++ b/chunks/json/108f44918fd21ba0368fddbedcf45236d2d87847af3df5049169113f0214b719.json @@ -0,0 +1 @@ +{"chunk":{"char_end":252932,"char_start":251259,"chunk_id":"chk_8cf8227678b46665","chunk_index":146,"chunk_sha256":"108f44918fd21ba0368fddbedcf45236d2d87847af3df5049169113f0214b719","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"108f44918fd21ba0368fddbedcf45236d2d87847af3df5049169113f0214b719","token_estimate":419,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"The Comparable Sales selected for use in this report were selected for their similar characteristics and location. While comparing each\nproperty to the subject I found the following: Comp #1 is the most similar to the subject; it is located in the same building and on the same\nfloor level as the subject. Further, it is the most similar in size, condition, and quality. Comp #2 is larger in size but still located in the same\nbuilding; its condition and quality are similar to the subject. Comp #3 is from a competing project located close to the subject; it is slightly\nsmaller in size, in similar condition, and the project amenities are effectively equal to those of the subject project. Comp #3 is not a historically\ndesignated property.\n\nAdditional Properties Analyzed Not Used\n\n#\n1\n\n2\n\n3\n\n4\n\n5\n\nProperty Address\n2700 Bar Harbor Ave, NW\nUnit 1009\nWashington, DC 20001\n\n700 New Haven Ave, NW\nUnit 308\nWashington, DC 20001\n\n700 New Haven Ave, NW\nUnit 920\nWashington, DC 20001\n\n702 New Haven Ave, NW\nUnit 514\nWashington, DC 20001\n\n2700 President Ave, NW\nUnit 1234\nWashington, DC 20001\n\nSale Date\n07/24/2019\n\nStatus\nSettled Sale\n\nReason Not Used\nFinished Area\n\nComment\nThe unit is much smaller than the subject.\n\n07/31/2019\n\nSettled Sale\n\nDated Sale\n\n08/02/2019\n\nSettled Sale\n\n07/14/2019\n\nSettled Sale\n\n08/10/2019\n\nSettled Sale\n\nBathroom Count\nBedroom Count\nFinished Area\n\nBathroom Count\nBedroom Count\nFinished Area\n\nFinished Area\nWater View\n\nMore recently sold comparable properties were\navailable.\n\nThis unit has more bathrooms and bedrooms\nthan the subject; it’s also a larger unit.\n\nThis unit has more bathrooms and bedrooms\nthan the subject; it’s also a larger unit.\n"} diff --git a/chunks/json/10980fdbe6054436457d943e12390d00aedf89bf048f81abbfca03570cdf5729.json b/chunks/json/10980fdbe6054436457d943e12390d00aedf89bf048f81abbfca03570cdf5729.json new file mode 100644 index 0000000000000000000000000000000000000000..a9834a87b7f3f1ee55c55e1a698b7ac9d5ace762 --- /dev/null +++ b/chunks/json/10980fdbe6054436457d943e12390d00aedf89bf048f81abbfca03570cdf5729.json @@ -0,0 +1 @@ +{"chunk":{"char_end":86820,"char_start":84987,"chunk_id":"chk_2e8994c109bf3d7a","chunk_index":48,"chunk_sha256":"10980fdbe6054436457d943e12390d00aedf89bf048f81abbfca03570cdf5729","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"10980fdbe6054436457d943e12390d00aedf89bf048f81abbfca03570cdf5729","token_estimate":458,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"When the borrower owns property – other than the subject property – that is rented, the lender must document the monthly\ngross (and net) rental income with:\n\n•\n•\n\nthe borrower’s most recent signed federal income tax return that includes Schedule 1 and Schedule E,\n the most recent signed federal business income tax return for a partnership or S corporation, that includes IRS Form 8825\n(when only rental income is reported on the K-1), or\n\n• both of the above, when rental properties are reported on both personal and business returns.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 37 of 166\n\nUAD 3.6 Policy\nWhen ordinary income is also reported on Schedule K-1, along with IRS Form 8825 rental income, all documentation guidelines noted\nin Selling Guide B3-3.2-01 Underwriting Factors and Documentation for Self-Employed Borrower or Schedule K- 1 Income in Selling\nGuide B3-3.1-09 Other Sources of Income apply.\n\nNote: For rental income reported on Schedule E of personal returns, copies of the current lease agreement(s) may be\nsubstituted if the borrower can document a qualifying exception. See Reconciling Partial or No Rental History on Tax Returns\n(Schedule E Only) below and Calculating Monthly Qualifying Rental Income (or Loss).\n\nReconciling Partial or No Rental History on Tax Returns (Schedule E Only)\n\nWhen rental income is being used to qualify, the lender must consider whether the income reported on the most recent signed\npersonal federal income tax returns is appropriate to use in underwriting.\n\nTo determine qualifying rental income, in those scenarios where the borrower has only a partial rental history on the personal\nfederal tax returns, the lender must determine the period of time the rental property was in service (that is, rented, with the\nborrower receiving rental income from that property.)\n"} diff --git a/chunks/json/10be25ad55f1209b102aabd97f045a307c4950d67c050d1839c8165398af448f.json b/chunks/json/10be25ad55f1209b102aabd97f045a307c4950d67c050d1839c8165398af448f.json new file mode 100644 index 0000000000000000000000000000000000000000..d04ba2b246340c5d036df913dbc68d2f3803f90f --- /dev/null +++ b/chunks/json/10be25ad55f1209b102aabd97f045a307c4950d67c050d1839c8165398af448f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7635,"char_start":5921,"chunk_id":"chk_bf37ada13fbe0d98","chunk_index":3,"chunk_sha256":"10be25ad55f1209b102aabd97f045a307c4950d67c050d1839c8165398af448f","date_utc":"2026-01-27T17:46:37+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d388f9df645bf8c0","text_sha256":"10be25ad55f1209b102aabd97f045a307c4950d67c050d1839c8165398af448f","token_estimate":427,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae5/_.md/Uniform_Appraisal_Dataset___Fannie_Mae5.md"]},"text":"[**Appendix B-2: Restricted Appraisal Update Report Implementation Guide**](/media/document/pdf/appendix-b-2-restricted-appraisal-update-report-implementation-guide)\n\nThe Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report.\n\n[**Appendix C-2: Restricted Appraisal Update Report Layout**](/media/document/zip/appendix-c-2-restricted-appraisal-update-report-layout)\n\nThis zip file contains the Restricted Appraisal Update Report with Report Field IDs document and the Restricted Appraisal Update Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Restricted Appraisal Update Report, regardless of conditionality.\n\n[**Appendix D-2: Restricted Appraisal Update Report Sample Scenario and XML File**](/media/document/zip/appendix-d-2-restricted-appraisal-update-report-sample-scenario-and-xml-file)\n\nThis zip file contains an example scenario, accompanying XML, and a document that summarizes the scenario, including key characteristics and changes since the last published version.\n\n[**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide)\n\nThis zip file contains the Report Syle Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted.\n\n[**Appendix F-2: Restricted Appraisal Update Report Reference Guide**](/media/document/pdf/appendix-f-2-restricted-appraisal-update-report-reference-guide)\n"} diff --git a/chunks/json/10beabde901cb24900c2fcafc6f2b75618e6adfc228d3f4d340c745ee3d8667f.json b/chunks/json/10beabde901cb24900c2fcafc6f2b75618e6adfc228d3f4d340c745ee3d8667f.json new file mode 100644 index 0000000000000000000000000000000000000000..f206f2e87890b9e6a78b7934e8abd0fd3425dcbd --- /dev/null +++ b/chunks/json/10beabde901cb24900c2fcafc6f2b75618e6adfc228d3f4d340c745ee3d8667f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10072,"char_start":8469,"chunk_id":"chk_849307233f2b365c","chunk_index":5,"chunk_sha256":"10beabde901cb24900c2fcafc6f2b75618e6adfc228d3f4d340c745ee3d8667f","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_d19adf0f56c3323a","text_sha256":"10beabde901cb24900c2fcafc6f2b75618e6adfc228d3f4d340c745ee3d8667f","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo2_Appraisal/_.xml/Condo2_Appraisal_v1.3.xml"]},"text":"2017-06-07\n\n805000\n\nSale\n\nTypicallyMotivated\n\nNone\n\nfalse\n\nGolfCourse\n\nOther\n\nGated Community\n\n13010\n\nFull\n\nResidential\n\nFull\n\nGolfCourse\n\n28200 Mary Ln\n\nAnytown\n\n54321\n\nIL\n\nDriveway\n\nAsphalt\n\n4\n\nfalse\n\nAttached\n\nGarage\n\n2\n\n0\n\nPropertyOwnershipTransferTerms\n\n0\n\nFinancingMethod\n\n0\n\nSalesConcessions\n\n0\n\nContractDate\n\n0\n\nSaleDate\n\n10000\n\nProjectInformation\n\n0\n\nSiteSize\n\n0\n\nNeighborhoodName\n\n8500\n\nSiteInfluence\n\n0\n\nView\n\n9000\n\nNonContinuousFinishedArea\n\n3000\n\nDisasterMitigationFeatures\n\n7500\n\nLivingUnitBedroomCount\n\n-3500\n\nLivingUnitBathroomCount\n\n25250\n\nLivingUnitStandardFinishedAreaAboveGrade\n\n0\n\nLivingUnitStandardFinishedAreaBelowGrade\n\n3400\n\nLivingUnitUnfinishedAreaBelowGrade\n\n-2000\n\nOutdoorLivingAmenity\n\n10000\n\nVehicleStorage\n\n12500\n\nOverallQualityRating\n\n918650\n\nNorthEast\n\nLess\n\ntrue\n\ntrue\n\n619\n\n2\n\n.85\n\n83650\n\nfalse\n\nfalse\n\nImpactResistantGlass\n\ntrue\n\nGold\n\nLEED\n\n235\n\nMonthly\n\nAssociationDues\n\nDwelling\n\n2018\n\nfalse\n\nStock Flooring\n\nFlooring\n\n8 Ft. | Stock\n\nWallsAndCeiling\n\n150\n\n1350\n\n1200\n\nfalse\n\n2\n\n2\n\n2\n\nC1\n\nQ4\n\n2\n\nMid-Grade Finishes\n\nStock Grade Appliances\n\nKitchen\n\nVinyl\n\nExteriorWallsAndTrim\n\nBasement\n\nFoundation\n\nComposition\n\nRoof\n\nC1\n\nQ4\n\n1\n\n0\n\nNaturalGas\n\nForcedWarmAir\n\nPropertyPhoto\n\n\\\\Images\\Condo2_Comp2.jpg\n\nimage/jpeg\n\n55\n\n827000\n\nSettledSale\n\n25.165175\n\n-51.328127\n\nTimberwolf Hollow\n\nIngroundPool\n\nSportsCourt\n\nCondominium\n\nFox Hollow\n\nDeck\n\nPatio\n\nPorch\n\nOutdoorLiving\n\n2\n\nIndoorFireplace\n\nWholeHome\n\n0\n\nDetached\n\n1\n\ntrue\n\n1\n\nC1\n\nQ4\n\nfalse\n\ntrue\n\nFeeSimple\n\ntrue\n\nfalse\n\nfalse\n\ntrue\n\n2018-03-30\n\n835000\n\nSale\n\nTypicallyMotivated\n\nNone\n\nfalse\n\nPark\n\nResidential\n\n12950\n"} diff --git a/chunks/json/10c1a62556a57710c32b0ec8ecf87cc1a70e8fd86bee38b2c32acd6a6faaab5c.json b/chunks/json/10c1a62556a57710c32b0ec8ecf87cc1a70e8fd86bee38b2c32acd6a6faaab5c.json new file mode 100644 index 0000000000000000000000000000000000000000..e884f36ed28c3a0dbffa57997aaf492c4d4bfce5 --- /dev/null +++ b/chunks/json/10c1a62556a57710c32b0ec8ecf87cc1a70e8fd86bee38b2c32acd6a6faaab5c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6022,"char_start":5222,"chunk_id":"chk_8413734775c7e298","chunk_index":6,"chunk_sha256":"10c1a62556a57710c32b0ec8ecf87cc1a70e8fd86bee38b2c32acd6a6faaab5c","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"10c1a62556a57710c32b0ec8ecf87cc1a70e8fd86bee38b2c32acd6a6faaab5c","token_estimate":602,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"Appraisal Update Commentary ................................................................................................................................................................................. 15\n\nPage 4\n\nAppraisal Update Exhibits .......................................................................................................................................................................................... 16\n\n04 Assignment Information ___________________________________________________________________________________________________ 16\n\nOverview .............................................................................................................................................................................................................................. 16\n"} diff --git a/chunks/json/10c87528112afaa72fe9c2e76b1cc8dab4979858c6f125d2bce05a49a5e24f1f.json b/chunks/json/10c87528112afaa72fe9c2e76b1cc8dab4979858c6f125d2bce05a49a5e24f1f.json new file mode 100644 index 0000000000000000000000000000000000000000..7a141239b7dd75c8f8cb89ff46927ac51d6c3cdf --- /dev/null +++ b/chunks/json/10c87528112afaa72fe9c2e76b1cc8dab4979858c6f125d2bce05a49a5e24f1f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":27813,"char_start":26161,"chunk_id":"chk_f7b544b5c2390c10","chunk_index":16,"chunk_sha256":"10c87528112afaa72fe9c2e76b1cc8dab4979858c6f125d2bce05a49a5e24f1f","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"10c87528112afaa72fe9c2e76b1cc8dab4979858c6f125d2bce05a49a5e24f1f","token_estimate":413,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo2_Appraisal/_.pdf/Condo2_Appraisal_v1.3.pdf"]},"text":"23454 Sue Rd\nAnytown, IL 54321\n\nThis is where the Dwelling\nFront photo would display.\n\nThis is where the\nComparable 1 photo\nwould display.\n\nThis is where the\nComparable 2 photo\nwould display.\n\nThis is where the\nComparable 3 photo\nwould display.\n\nData Source\n\nProximity to Subject\n\nList Price\n\nListing Status\n\nContract Price\n\nSale Price\n\nTransfer Terms\n\nFinancing Type\n\nSales Concessions\n\nContract Date\n\nSale Date\n\nDays on Market\n\nAttached/Detached\n\nProperty Rights Appraised\n\nSame Builder as Subject\n\nProject Information\n\nProject Name | Same\nProject as Subject\n\nMonthly Fee\n\nCommon Amenities/Services\n\n$895,000\n\nPending\n\n$895,000\n\nNo\n\n05/16/2018\n\n26\n\nDetached\n\nFee Simple\n\nMLS 2342532 |\nAssessor Record\n\nMLS 3425353 |\nAssessor Record\n\nMLS 32453404 |\nAssessor Record\n\n0.75 Miles NE\n\n$905,000\n\nSettled Sale\n\n—\n\n$905,000\n\n0.85 Miles NE\n\n$827,000\n\nSettled Sale\n\n—\n\n$835,000\n\nTypically\nMotivated\n\nCash\n\nUnknown\n\nUnknown\n\n03/30/2018\n\n21\n\nDetached\n\nFee Simple\n\nNo\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\nTypically\nMotivated\n\nCash\n\nUnknown\n\nUnknown\n\n03/30/2018\n\n55\n\nDetached\n\nFee Simple\n\nNo\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\nTypically\nMotivated\n\nCash\n\nNo\n\n03/16/2018\n\n04/30/2018\n\n16\n\nDetached\n\nFee Simple\n\nYes\n\n$0\n\n$10,000\n\n0.12 Miles E\n\n$899,000\n\nSettled Sale\n\n—\n\n$905,000\n\n$0\n\n$0\n\n$0\n\n$0\n\nGrammy Gold\n\nXYZ Project | No\n\nFox Hollow | No\n\nGrammy Gold | Yes\n\n$500\n\n$525\n\n$235\n\n$500\n\nClubhouse | Club\nMembership | Gated\nCommunity | Inground\nPool | Snow Removal\n| Trash Removal\n\nClubhouse | Club\nMembership | Gated\nCommunity | Inground\nPool | Snow Removal\n| Trash Removal\n\nInground Pool | Sports Court\n\nClubhouse | Club\nMembership | Gated\nCommunity | Inground\nPool | Snow Removal\n| Trash Removal\n"} diff --git a/chunks/json/10cbbbe6090014cdc2be9aba3864a0907ed7336e4d2cac38525778370ad15cf3.json b/chunks/json/10cbbbe6090014cdc2be9aba3864a0907ed7336e4d2cac38525778370ad15cf3.json new file mode 100644 index 0000000000000000000000000000000000000000..fbf1b9d939bd8b65306fda0f79569be83bd65aa9 --- /dev/null +++ b/chunks/json/10cbbbe6090014cdc2be9aba3864a0907ed7336e4d2cac38525778370ad15cf3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1000313,"char_start":998655,"chunk_id":"chk_699e1909e796e4a2","chunk_index":596,"chunk_sha256":"10cbbbe6090014cdc2be9aba3864a0907ed7336e4d2cac38525778370ad15cf3","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"10cbbbe6090014cdc2be9aba3864a0907ed7336e4d2cac38525778370ad15cf3","token_estimate":415,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"537\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nLongitude Number\n\n538\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nLatitude Number\n\nThe Y value of the geographic coordinate\nsystem using geodetic model based on\nNorth American datum of 1983.\nThe X value of the geographic coordinate\nsystem using geodetic model based on\nNorth American datum of 1983.\nThe Y value of the geographic coordinate\nsystem using geodetic model based on\nNorth American datum of 1983.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/LOCATION/@Lati\ntudeNumber\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/LOCATION/@Lon\ngitudeNumber\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@\nLatitudeNumber\n\n10\n\n50\n\n25\n\n2\n\n10\n\n1\n\n1\n\n10\n\n1\n\n1\n\n10\n\n19\n\n30\n\n30\n\n30\n\nThis field should be populated if field 6-27\n(Supervisor Name) is populated.\n\nIf field 6-27 (Supervisor Name) is populated\nor field 6-15 is populated with 'trainee', then\none and only one of fields 6-34, 6-35\n(Appraiser License Identifier) must be\npopulated.\n\nIf field 6-27 (Supervisor Name) is populated\nor field 6-15 is populated with 'trainee', then\none and only one of fields 6-34, 6-35\n(Appraiser License Identifier) must be\npopulated.\n\nThis field should be populated if field 6-27\n(Supervisor Name) is populated.\n\nThis field should be populated if field 6-27\n(Supervisor Name) is populated.\n\nIf field 6-27 (Supervisor Name) is populated\nthen one and only one of fields 6-38, 6-39\n(Appraisal Inspection Property Type =\n'Subject' and values of Appraisal Inspection\nType) should be indicated.\n"} diff --git a/chunks/json/10d62cc5a91b71fc3485b76098ecfe17e41b0bc7b0dbbe8b529752a17a6a0b33.json b/chunks/json/10d62cc5a91b71fc3485b76098ecfe17e41b0bc7b0dbbe8b529752a17a6a0b33.json new file mode 100644 index 0000000000000000000000000000000000000000..3b4e4662771e24be9d164fc7e2c5061310990d7b --- /dev/null +++ b/chunks/json/10d62cc5a91b71fc3485b76098ecfe17e41b0bc7b0dbbe8b529752a17a6a0b33.json @@ -0,0 +1 @@ +{"chunk":{"char_end":18823,"char_start":17134,"chunk_id":"chk_9ea1264cd40126c3","chunk_index":10,"chunk_sha256":"10d62cc5a91b71fc3485b76098ecfe17e41b0bc7b0dbbe8b529752a17a6a0b33","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4cc3cc07fb4fc72c","text_sha256":"10d62cc5a91b71fc3485b76098ecfe17e41b0bc7b0dbbe8b529752a17a6a0b33","token_estimate":422,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2024-loan-delivery-release-notes-printable-version.pdf"]},"text":"For more information, see the ULDD webpage.\n\nJul 22, 2024\n\nEdit Updates\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates\nincluding:\n\n© 2023 Fannie Mae Page 7 of 10\n\n•\n•\n•\n•\n•\n\n1 edit deactivated, C32\n1 edit moving from warning to fatal for credit score\n3 edits moving from informational to warning for monthly income validations and UCD compare\n4 new warning edits to validate lien priority type and housing counseling\n12 new informational edits and 4 edits modified to support the second implementation of ULDD Phase 5, see above\nfor details\n\nAug 26, 2024\n\nValue Acceptance\n\nCurrently, LD edit D29 validates the delivery of value acceptance SFCs on a loan. Effective August 26, we will create two new\nedits to provide more granularity in the edit process and direct lenders to the specific SFC that is not valid.\n\n•\n•\n•\n\nEdit D324 will validate if SFC 801 is permitted on the loan\nEdit D325 will validate if SFC 807 is permitted on the loan\nEdit D29 will remain active\n\nSee the Loan Delivery Business Rules for a more details.\n\nAug 26, 2024\n\nEdit Updates\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates\nincluding:\n\n•\n•\n•\n•\n\n16 new informational edits to validate Property Data – CPM\n1 edit moving from informational to warning for loan limits\n3 edits moving from warning to fatal for lien type, HomeStyle renovation, and SMP\n2 fatal Value Acceptance edits (see above for details)\n\nSep 23, 2024\n\nEdit Updates\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates\nincluding:\n"} diff --git a/chunks/json/1115a4f3c9615c6f3cc9d5b19e3cf41051c3eae7d2dcf35107fd846250d261f3.json b/chunks/json/1115a4f3c9615c6f3cc9d5b19e3cf41051c3eae7d2dcf35107fd846250d261f3.json new file mode 100644 index 0000000000000000000000000000000000000000..03fc68871e8f0daea714145192ecae17a222cf8f --- /dev/null +++ b/chunks/json/1115a4f3c9615c6f3cc9d5b19e3cf41051c3eae7d2dcf35107fd846250d261f3.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1722,"char_start":0,"chunk_id":"chk_5b604e2315f8eb74","chunk_index":0,"chunk_sha256":"1115a4f3c9615c6f3cc9d5b19e3cf41051c3eae7d2dcf35107fd846250d261f3","date_utc":"2026-01-27T17:54:24+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6267d4613ce812df","text_sha256":"1115a4f3c9615c6f3cc9d5b19e3cf41051c3eae7d2dcf35107fd846250d261f3","token_estimate":525,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Advisory_Bulletins___FHFA_cifyy9.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/advisory-bulletin\"\ndate_accessed: \"2026-01-27T17:54:20.340Z\"\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. 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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"} diff --git a/chunks/json/11514246baf3b8e49053bd2b92992c65d316a4a9a9bc94bc98636e8e059617a6.json b/chunks/json/11514246baf3b8e49053bd2b92992c65d316a4a9a9bc94bc98636e8e059617a6.json new file mode 100644 index 0000000000000000000000000000000000000000..3045f6661105159d68421d2ece9c642a8fede2ed --- 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(1).pdf"]},"text":"T\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nCR\n\nT\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nT\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nT\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nT\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nT\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nT\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nT\n\nCR\n\nT\n\nT\n\nUAD Consolidated Schema Matrix\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 6 of 211\n\nDocument Version 1.4\n\nMISMO Data Point Name\n\nInspection Date\n\n.PARTIES\n..SUPERVISOR\n...INSPECTION (Comparable)\nAppraisal Inspection Property Type\n\nAppraisal Inspection Type\n\nInspection Date\n\n.PARTIES\n..LENDER\nLender Unparsed Name**\n\nAppraisal Forms Unparsed Address\n\n.PARTIES\n..LENDER\n...CONTACT_DETAIL\n.…CONTACT_POINT\nContact Point Type**\n\nContact Point Value**\n\n.PARTIES\n..BORROWER\n...BORROWER_EXTENSION\n….BORROWER_EXTENSION_SECTION\nExtension Section Organization Name\n…..BORROWER_EXTENSION_SECTION_DATA\n…...BORROWER_NAME\nGSE Borrower Name\n\n.PARTIES\n..MANAGEMENT_COMPANY_EXTENSION\n...MANAGEMENT_COMPANY_EXTENSION_SECTION\nExtension Section Organization Name\n.…MANAGEMENT_COMPANY_EXTENSION_SECTION_DATA\n…..MANAGEMENT_COMPANY\nGSE Management Company Name\n\n1004/70\n\n1004\nHybrid/\n70H\n\n1004\nDesktop/\n70D\n\n2055\n\n1073/465\n\n1073\nHybrid/\n465H\n\n1073\nDesktop/\n465D\n\n1075/466\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nR,T*\n\nT\n\nR,T*\n\nT\n\nR,T*\n\nT\n\nR,T*\n\nT\n\nR,T*\n\nT\n\nR,T*\n\nT\n\nR,T*\n\nT\n\nR,T*\n\nT\n\nT\n\nT\n\nT\n"} diff --git a/chunks/json/1152943fb43dd6e5544656a729fe124ac1ad879ebd8a620bedf9c8602c2bae02.json b/chunks/json/1152943fb43dd6e5544656a729fe124ac1ad879ebd8a620bedf9c8602c2bae02.json new file mode 100644 index 0000000000000000000000000000000000000000..cc837f069dcee119f03f3762b980d000a74a6acb --- /dev/null +++ b/chunks/json/1152943fb43dd6e5544656a729fe124ac1ad879ebd8a620bedf9c8602c2bae02.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6577,"char_start":4956,"chunk_id":"chk_cfc8acfa0d0a0323","chunk_index":3,"chunk_sha256":"1152943fb43dd6e5544656a729fe124ac1ad879ebd8a620bedf9c8602c2bae02","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_139dfb51602e14ac","text_sha256":"1152943fb43dd6e5544656a729fe124ac1ad879ebd8a620bedf9c8602c2bae02","token_estimate":400,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Hybrid_465H.pdf"]},"text":"U\nN\nI\nT\n\nD\nE\nS\nC\nR\nI\nP\nT\nI\nO\nN\n\nP\nR\nI\nO\nR\n\nS\nA\nL\nE\n\nH\nI\nS\nT\nO\nR\nY\n\nDescribe the condition of the project and quality of construction.\n\nIndividual Condominium Unit Appraisal Report (Hybrid)\n\nFile #\n\nDescribe the common elements and recreational facilities.\n\nAre any common elements leased to or by the Homeowners’ Association?\n\nYes\n\nNo If Yes, describe the rental terms and options.\n\nIs the project subject to ground rent?\n\nYes\n\nNo If Yes, $\n\nper year (describe terms and conditions)\n\nAre the parking facilities adequate for the project size and type?\n\nYes\n\nNo If No, describe and comment on the effect on value and marketability.\n\ndid\n\nI\nthe analysis was not performed.\n\ndid not analyze the condominium project budget for the current year. Explain the results of the analysis of the budget (adequacy of fees, reserves, etc.), or why\n\nAre there any other fees (other than regular HOA charges) for the use of the project facilities?\n\nYes\n\nNo If Yes, report the charges and describe.\n\nCompared to other competitive projects of similar quality and design, the subject unit charge appears\n\nHigh\n\nAverage\n\nLow If High or Low, describe\n\nAre there any special or unusual characteristics of the project (based on the condominium documents, HOA meetings, or other information) known to the appraiser?\n\nYes\n\nNo If Yes, describe and explain the effect on value and marketability.\n\nper month X 12 = $\nUnit Charge $\nUtilities included in the unit monthly assessment\n\nper year\n Heat\n\nNone\n\nAnnual assessment charge per year per square feet of gross living area = $\n\nAir Conditioning\n\nElectricity\n\nGas\n\nWater\n\nSewer\n"} diff --git a/chunks/json/11558554d0cbeed506de82a8b2c92bef50c44c26aceef185724ded002b78fcc5.json b/chunks/json/11558554d0cbeed506de82a8b2c92bef50c44c26aceef185724ded002b78fcc5.json new file mode 100644 index 0000000000000000000000000000000000000000..fcf0902949f4771995dc02b4b649696a4707711a --- /dev/null +++ b/chunks/json/11558554d0cbeed506de82a8b2c92bef50c44c26aceef185724ded002b78fcc5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":17715,"char_start":17021,"chunk_id":"chk_a8c949425a9a98ef","chunk_index":18,"chunk_sha256":"11558554d0cbeed506de82a8b2c92bef50c44c26aceef185724ded002b78fcc5","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"11558554d0cbeed506de82a8b2c92bef50c44c26aceef185724ded002b78fcc5","token_estimate":604,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Comparable Property Image Data .............................................................................................................................................................................................. 49\n\nSubject Property Image Data ..................................................................................................................................................................................................... 49\n\nDefects, Damages, and Deficiencies ........................................................................................................................................................................................................ 56\n"} diff --git a/chunks/json/117fba661a3af810a4c03aa188ae6135a670712982256f7a0d2e81dc7fb0438f.json b/chunks/json/117fba661a3af810a4c03aa188ae6135a670712982256f7a0d2e81dc7fb0438f.json new file mode 100644 index 0000000000000000000000000000000000000000..4802584ae805a5e482be912b9224d34f38fcdb11 --- /dev/null +++ b/chunks/json/117fba661a3af810a4c03aa188ae6135a670712982256f7a0d2e81dc7fb0438f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":4938,"char_start":3316,"chunk_id":"chk_7444e3e4d6df97fc","chunk_index":2,"chunk_sha256":"117fba661a3af810a4c03aa188ae6135a670712982256f7a0d2e81dc7fb0438f","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"117fba661a3af810a4c03aa188ae6135a670712982256f7a0d2e81dc7fb0438f","token_estimate":406,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Appraisal/_.pdf/2-to4-unit_Appraisal_v1.3.pdf"]},"text":"Zoning Compliance\n\nLegal Nonconforming\n\nSite Built\nDetached\n\nOverall Quality\nOverall Condition\n\nQ5\nC4\n\nYes No\n \n \n \n \n \n\nYes No\n \n\nThis is where the Subject Property photo would display.\n\nApparent Defects, Damages, Deficiencies Requiring Action\n\nThere are no apparent defects, damages, or deficiencies requiring action. For details, reference the ‘Reconciliation’ section.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 2 of 29\nPage 2 of 29\n\nNEW PG\n\nAssignment Information\n\nAssignment Reason\nBorrower Name\nSeller Name\nCurrent Owner of Public Record\n\nPurchase\nBetty Borrower\nSydney Seller\nSydney Seller\n\nProperty Valuation Method\n\nTraditional Appraisal\n\nWas a Property Data Report used in lieu of an\nInspection?\n\nYes No\n \n\nContact Information\n\nClient/Lender\n\nCompany Name\nCompany Address\n\nAppraiser\n\nName\nCompany Name\nCompany Address\n\nRandom National Bank\n123456 Main St\nNowhere, NE 98765\n\nTom Appraiser\nArthur Appraiser Appraisals\n98765 Holiday Hwy\nSurfside, HI 12345\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nPhysical\nPhysical\n10/05/2019\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nSupervisory Appraiser\n\nName\nDesignation\nCompany Name\nCompany Address\n\nArthur Appraiser\nASA\nArthur Appraiser Appraisals\n98765 Holiday Hwy\nSurfside, HI 12345\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nScope of Inspection by Supervisory Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\n\nNo Inspection\nNo Inspection\n\nTrainee Appraiser\n1111TRHI\nHI\n12/31/2021\n"} diff --git a/chunks/json/118527c4df7013a0d307c3942488ba00e4c3f29bcf1dd4b2023efcdd4acf92f7.json b/chunks/json/118527c4df7013a0d307c3942488ba00e4c3f29bcf1dd4b2023efcdd4acf92f7.json new file mode 100644 index 0000000000000000000000000000000000000000..5a716b6f7b8609685145c705136805fd098781e1 --- /dev/null +++ b/chunks/json/118527c4df7013a0d307c3942488ba00e4c3f29bcf1dd4b2023efcdd4acf92f7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3147,"char_start":1642,"chunk_id":"chk_5a33dfaea5e2c712","chunk_index":1,"chunk_sha256":"118527c4df7013a0d307c3942488ba00e4c3f29bcf1dd4b2023efcdd4acf92f7","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_c20c5dcd6adb62af","text_sha256":"118527c4df7013a0d307c3942488ba00e4c3f29bcf1dd4b2023efcdd4acf92f7","token_estimate":421,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Federal_Housing_Finance_Agency___OIG_plw6tp.md"]},"text":"[]() # The Latest\n\n## Recent Publications\n\n[**FHFA Continues to Monitor and Assess the Adequacy of Fannie Mae’s Allowance for Loan Losses in Its Multifamily Line of Business** (EVL-2026-001) - 01/06/2026](/sites/default/files/EVL-2026-001_redacted.pdf)\n\n[**Compendium of Unimplemented Recommendations (January 2026)** - 01/01/2026](/sites/default/files/CompendiumJanuary2026.pdf)\n\n[**Thirtieth Semiannual Report to Congress** - 04/01/2025 to 09/30/2025](/sites/default/files/Thirtieth%20Semiannual%20Report%20to%20Congress.pdf)\n\n[**The Division of Federal Home Loan Bank Regulation Needs to Improve Controls Over Internal Model Risk** (AUD-2025-009) - 09/29/2025](/sites/default/files/AUD-2025-009.pdf)\n\n## Press Releases\n\n[**Grand jury indicts owners of real estate investment group, closing & title company employees in more than $50 million bank fraud conspiracy** - 01/14/2026](/sites/default/files/Grand-jury-indicts-owners-of-real-estate-investment-group%2C-closing-%26-title-company-employees-in-more-than-%2450-million-bank-fraud-conspiracy.pdf)\n\n[**Former President of Failed Oklahoma Bank Indicted for Bank Fraud** - 12/04/2025](/sites/default/files/Former-President-of-Failed-Oklahoma-Bank-Indicted-for-Bank-Fraud.pdf)\n\n[**New Jersey Man Sentenced To Federal Prison For Scheme To Fraudulently Obtain Bank Loans Guaranteed By The SBA** - 11/14/2025](/sites/default/files/NEW-JERSEY-MAN-SENTENCED-TO-FEDERAL-PRISON-FOR-SCHEME-TO-FRAUDULENTLY-OBTAIN-BANK-LOANS-GUARANTEED-BY-THE-SBA.pdf)\n"} diff --git a/chunks/json/118dd2d6f73b7f13ec6e264d5f8d9b1cfeed94d674a8b0de9e405cf6d38be95a.json b/chunks/json/118dd2d6f73b7f13ec6e264d5f8d9b1cfeed94d674a8b0de9e405cf6d38be95a.json new file mode 100644 index 0000000000000000000000000000000000000000..bcc165afd25fcc1806792711558722ebec87d8e8 --- /dev/null +++ b/chunks/json/118dd2d6f73b7f13ec6e264d5f8d9b1cfeed94d674a8b0de9e405cf6d38be95a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":445615,"char_start":444015,"chunk_id":"chk_c77995cf5b9b2808","chunk_index":343,"chunk_sha256":"118dd2d6f73b7f13ec6e264d5f8d9b1cfeed94d674a8b0de9e405cf6d38be95a","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"118dd2d6f73b7f13ec6e264d5f8d9b1cfeed94d674a8b0de9e405cf6d38be95a","token_estimate":400,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Page 351\n\nClient Requested Conditions\n\nThe Client Requested Conditions subsection displays when AdditionalClientRequestedConditionsIndicator (UID: 1300.0019, FID: Not on\nreport) = \"true\". (Figure 26 - 3)\n\nReport\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nReconciliation: Client Requested Conditions\n\n26.014\n\nValue Condition\n\n1300.0022 PropertyValuationConditionalConclusionType\n\n26.015\n\nMarketing or Exposure\nTime\n\n1300.0026 MarketingOrExposureTimeType\n\n26.016\n\nDuration\n\n1300.0023 MarketingOrExposureDaysCount\n\n1300.0024\n1300.0025\n\nMarketingOrExposureHighRangeDaysCount\nMarketingOrExposureLowRangeDaysCount\n\n26.017\n\n26.018\n\nAlternate Opinion of Value\nRequested Condition\nCommentary\n\n1300.0027 AdditionalOpinionOfValueAmount\n\n1300.0029\n\nAdditionalClientRequestedConditionsCommentDescript\nion\n\nDisplay when AdditionalClientRequestedConditionsIndicator = \"true\"\n\nDisplay when AdditionalClientRequestedConditionsIndicator = \"true\"\n\nThe data must be provided in 1 of 2 ways:\n\n− a single number followed by “days”, (e.g., 45 days) OR\n− two numbers indicating a range with the low and high numbers\nseparated by “-“ and followed by “days” (e.g., 30-60 days).\n\nDisplay when AdditionalClientRequestedConditionsIndicator = \"true\"\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 26 - 3\n\nPage 352\n\nReconciliation of Market Value\n\nThe Reconciliation of Market Value subsection always displays. Comments are required and must be delivered using\nValuationReconciliationSummaryCommentDescription (UID: 1300.0021, FID: 26.019). If multiples, display on a separate row in the table.\n"} diff --git a/chunks/json/11bf2358873b4752c0d7496e5a088a8f4b8b7c3fe06ff26396b745351d5ec062.json b/chunks/json/11bf2358873b4752c0d7496e5a088a8f4b8b7c3fe06ff26396b745351d5ec062.json new file mode 100644 index 0000000000000000000000000000000000000000..7f536815859d8ff96a3e633032dfadc40e6544b5 --- /dev/null +++ b/chunks/json/11bf2358873b4752c0d7496e5a088a8f4b8b7c3fe06ff26396b745351d5ec062.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1019242,"char_start":1017531,"chunk_id":"chk_9de6bbc514607463","chunk_index":607,"chunk_sha256":"11bf2358873b4752c0d7496e5a088a8f4b8b7c3fe06ff26396b745351d5ec062","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"11bf2358873b4752c0d7496e5a088a8f4b8b7c3fe06ff26396b745351d5ec062","token_estimate":428,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"SUBJECT\n\nProperty Rights Appraised\nOther (describe)\n\nProperty Rights\nType Other\nDescription\n\nA free form text field used to collect\nadditional information when Other is\nselected for Property Rights Type.\n\n/VALUATION_RESPONSE/PROPERTY/@_RightsTypeOtherDescription\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\nThis field should be populated if field 1-30\n(Property Rights Type = 'Other') is indicated.\n\nSUBJECT\n\nAssignment Type\nPurchase Transaction\n\nAppraisal Purpose\nType\n\nSpecifies the purpose of the appraisal\nassignment.\n\n/VALUATION_RESPONSE/REPORT[@AppraisalPurposeType=‘Purchase\n’]\n\nSUBJECT\n\nAssignment Type\nRefinance Transaction\n\nAppraisal Purpose\nType\n\nSpecifies the purpose of the appraisal\nassignment.\n\n/VALUATION_RESPONSE/REPORT[@AppraisalPurposeType=‘Refinanc\ne’]\n\n9\n\n9\n\n9\n\nEnumerated UAD Requirement - Refer to Appendix D Subject Section\n\nEnumerated UAD Requirement - Refer to Appendix D Subject Section\n\nEnumerated UAD Requirement - Refer to Appendix D Subject Section\n\nSUBJECT\n\nSUBJECT\n\nAssignment Type\nOther\n\nAssignment Type\nOther (describe)\n\nSUBJECT\n\nLender/Client\n\nSUBJECT\n\nLender/Client Address\n\nAppraisal Purpose\nType\n\nSpecifies the purpose of the appraisal\nassignment.\n\nAppraisal Purpose\nType Other\nDescription\nLender Unparsed\nName\n\nAppraisal Forms\nLender Unparsed\nAddress\n\nA free form text field used to collect\nadditional information when Other is\nselected for Appraisal Purpose Type.\nThe name of the party or entity designated\nas the lender for the loan.\nThe unparsed address of the lender.\nGenerally includes the street address,\nsuite number, city, state and zip code.\nFORM SPECIFIC FIELD\n"} diff --git a/chunks/json/11c9c0d55ea41a6bc2596721065cb737bc472932cc3656f671344b45a67f5852.json b/chunks/json/11c9c0d55ea41a6bc2596721065cb737bc472932cc3656f671344b45a67f5852.json new file mode 100644 index 0000000000000000000000000000000000000000..d9207961b5ab2ec8ca286e17aa891192e49fe739 --- /dev/null +++ b/chunks/json/11c9c0d55ea41a6bc2596721065cb737bc472932cc3656f671344b45a67f5852.json @@ -0,0 +1 @@ +{"chunk":{"char_end":652471,"char_start":650847,"chunk_id":"chk_80f5a6880fd6df91","chunk_index":388,"chunk_sha256":"11c9c0d55ea41a6bc2596721065cb737bc472932cc3656f671344b45a67f5852","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"11c9c0d55ea41a6bc2596721065cb737bc472932cc3656f671344b45a67f5852","token_estimate":406,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Notes:\n• These rows must be brought into the rental comparison grid when there is relevant and meaningful information for the subject and all\ncomparables, and adding the row leads to credible results. Not reporting a meaningful attribute can be misleading by omission.\n• These rows are indicated in this chapter with the Report Label in blue italics, and “If relevant” in the “When Row Displays” column.\n\nAppendix F-1: URAR Reference Guide\n\nPage 290 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAdditional Rows\n\n23 Rental Information\n\nOne or more additional rows may be added to the rental comparison grid to provide context and impactful details. These rows must only be used\nwhen atypical characteristics are observed. Do not add rows for information that is already available as a predefined row.\n\nUnit to Unit Comparison\n\nEach comparable column provides a unit-to-unit comparison instead of a property-to-property comparison. Comparable units must be provided for\neach subject unit that is included in the Rental Information section.\n• Each subject property unit has its own rental comparison grid.\n• Each comparable represents a unit and not necessarily the entire property.\n• A comparable unit may be compared to more than one subject unit.\n\nComparison to Subject Unit\n\nSome features (rows) in the rental comparison grid require a comparison to the subject unit instead of reporting the specific characteristics of the\ncomparable unit.\n• Project Common Amenities / Services\n• Site Influence\n• View from Unit\n• Vehicle Storage | Spaces\n• Overall Comparison to Subject\n\nRental Information: Comparison to Subject Unit\n"} diff --git a/chunks/json/11cda2e571d92e748a7a8636bdacd829ff473ff317c6518cca8df543d5604258.json b/chunks/json/11cda2e571d92e748a7a8636bdacd829ff473ff317c6518cca8df543d5604258.json new file mode 100644 index 0000000000000000000000000000000000000000..4b09179654a539620c88320685e886f3bb49ca99 --- /dev/null +++ b/chunks/json/11cda2e571d92e748a7a8636bdacd829ff473ff317c6518cca8df543d5604258.json @@ -0,0 +1 @@ +{"chunk":{"char_end":31056,"char_start":29268,"chunk_id":"chk_878cded7e25c5137","chunk_index":16,"chunk_sha256":"11cda2e571d92e748a7a8636bdacd829ff473ff317c6518cca8df543d5604258","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_139dfb51602e14ac","text_sha256":"11cda2e571d92e748a7a8636bdacd829ff473ff317c6518cca8df543d5604258","token_estimate":447,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073 Hybrid_465H.pdf"]},"text":"5. If this appraisal report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are\ndefined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this\nappraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and\nvalid as if a paper version of this appraisal report were delivered containing my original hand written signature.\n\nAPPRAISER\n\nSUPERVISORY APPRAISER (ONLY IF REQUIRED)\n\nSignature _____________________________________________\nName ________________________________________________\nCompany Name ________________________________________\nCompany Address ______________________________________\n _____________________________________________________\nTelephone Number ______________________________________\nEmail Address __________________________________________\nDate of Signature and Report ______________________________\nEffective Date of Appraisal ________________________________\nState Certification # _____________________________________\nor State License # _______________________________________\nor Other _____________________ State # ____________________\nState _________________________________________________\nExpiration Date of Certification or License ____________________\n\nADDRESS OF PROPERTY APPRAISED\n _____________________________________________________\n _____________________________________________________\nAPPRAISED VALUE OF SUBJECT PROPERTY $ _________________\nLENDER/CLIENT\nName ________________________________________________\nCompany Name ________________________________________\nCompany Address ______________________________________\nEmail Address __________________________________________\n"} diff --git a/chunks/json/11d839625261557e059e04aedccba2949f69cd3ccd5ec45d6b770c63cccb6eb2.json b/chunks/json/11d839625261557e059e04aedccba2949f69cd3ccd5ec45d6b770c63cccb6eb2.json new file mode 100644 index 0000000000000000000000000000000000000000..9bd84c253133c0ae4d523ebd3560c5c19478d99f --- /dev/null +++ b/chunks/json/11d839625261557e059e04aedccba2949f69cd3ccd5ec45d6b770c63cccb6eb2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12207,"char_start":10266,"chunk_id":"chk_8a57726f0c1581a9","chunk_index":6,"chunk_sha256":"11d839625261557e059e04aedccba2949f69cd3ccd5ec45d6b770c63cccb6eb2","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_a2c65539e863252b","text_sha256":"11d839625261557e059e04aedccba2949f69cd3ccd5ec45d6b770c63cccb6eb2","token_estimate":490,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Budget__Finances__and_Performance___FHFA_t7yo7r.md"]},"text":"- ## Conservatorships Progress Report\n\nThis document reports on Fannie Mae's and Freddie Mac's progress on the initiatives outlined in the Strategic Plan for the Enterprise Conservatorships.\n\n[Read More](/reports/conservatorships-progress-report)\n\n- ## Annual Performance Plan\n\nThis annual plan identifies strategic objectives consistent with the Strategic Plan's framework along with the means and strategies or the key activities, actions, processes, and technologies that FHFA will use in the fiscal year to achieve each strategic objective outlined in the Strategic Plan.\n\n[Read More](/reports/fhfa-annual-performance-plan)\n\n- ## ​Annual Report to Congress\n\nThis annual report presents the findings of FHFA's examinations of Fannie Mae, Freddie Mac, and the Federal Home Loan Bank System.\n\n[Read More](/reports/annual-report-to-congress)\n\n- ## Conservatorships Performance Goals - Scorecard\n\nThe Conservatorship Scorecard aligns the Strategic Plan with the Enterprises’ tactical priorities and operations, serving as an essential tool to hold the Enterprises accountable for the effective implementation of the Strategic Plan.\n\n[Read More](/reports/conservatorships-performance-goals-scorecard)\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n"} diff --git a/chunks/json/11dafef4066de870967abde38edb795a4f8bbc1ef4d8cf1ced12d49414d19ffb.json b/chunks/json/11dafef4066de870967abde38edb795a4f8bbc1ef4d8cf1ced12d49414d19ffb.json new file mode 100644 index 0000000000000000000000000000000000000000..42a0efe337a08c1596c6e051eceea4db87dac616 --- /dev/null +++ b/chunks/json/11dafef4066de870967abde38edb795a4f8bbc1ef4d8cf1ced12d49414d19ffb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8289,"char_start":7099,"chunk_id":"chk_6e4a00519e0916eb","chunk_index":4,"chunk_sha256":"11dafef4066de870967abde38edb795a4f8bbc1ef4d8cf1ced12d49414d19ffb","date_utc":"2026-01-27T17:46:22+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05d183e5699441f8","text_sha256":"11dafef4066de870967abde38edb795a4f8bbc1ef4d8cf1ced12d49414d19ffb","token_estimate":298,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/uad-limited-production-readiness-overview.pdf"]},"text":"▪ You may have additional internal work to update processes, train your staff, or confirm readiness of\n\noutside vendors before you are ready to check “yes” to all questions.\n\n• Submit your completed Questionnaire to UAD_Info@FannieMae.com and UAD@FreddieMac.com and copy\n\nboth of your GSE account representatives. Each GSE will review your submission and readiness for\nparticipation in the Limited Production Period and communicate GSE-specific approval and next steps via\nemail.\n\nThe Broad Production Period spans from January 26, 2026 through November 2, 2026. During this time, lenders\nwill not be required to complete the Questionnaire. Aggregators should still communicate with their correspondents\nwhen they are ready to accept UAD 3.6 appraisal reports.\n\nAdditional Information\n\nA complete implementation timeline and the supporting materials referenced can be accessed on the Freddie Mac\nUAD webpage and Fannie Mae UAD webpage.\n\n© 2025 Freddie Mac and Fannie Mae. Trademarks of respective owners.\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n\n3 of 3\n"} diff --git a/chunks/json/1213844ff6915f58addd259cd1c729d97765da70d7c441fd66a6302efb8c1758.json b/chunks/json/1213844ff6915f58addd259cd1c729d97765da70d7c441fd66a6302efb8c1758.json new file mode 100644 index 0000000000000000000000000000000000000000..38cb3df7cee0722f81a26af4669b4aca0ac7ff73 --- /dev/null +++ b/chunks/json/1213844ff6915f58addd259cd1c729d97765da70d7c441fd66a6302efb8c1758.json @@ -0,0 +1 @@ +{"chunk":{"char_end":374392,"char_start":372966,"chunk_id":"chk_fd02e9cac5fd2231","chunk_index":208,"chunk_sha256":"1213844ff6915f58addd259cd1c729d97765da70d7c441fd66a6302efb8c1758","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"1213844ff6915f58addd259cd1c729d97765da70d7c441fd66a6302efb8c1758","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"11.3 Reg §1026.38(j)(1)(iv), pp. 80125, 80021.\n\n11.4 | 11.5 Reg §1026.38(j)(1)(v), pp. 80125, 80357, 80021.\n\n11.6 Reg §1026.38(j)(1)(vi) and (vii), pp. 80125, 80021.\n\n11.7 Reg §1026.38(j)(1)(viii), pp. 80125, 80021.\n\n11.8 Reg §1026.38(j)(1)(ix), pp. 80125, 80021.\n\n11.9 Reg §1026.38(j)(1)(x), pp. 80125, 80357, 80021.\n\nAppendix E: UCD Implementation Guide\n\nPage 171 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n12.0 L. Paid Already by or on Behalf of Borrower at Closing\n\n12.0 L. PAID ALREADY BY OR ON BEHALF OF BORROWER AT CLOSING\n\nThe data included in section L. Paid Already by or on Behalf of Borrower at Closing (Section L) includes the\nDeposit, Loan Amount or Assumption Amount, Subordinate Loan Amounts (if applicable), Seller and Other\nCredits, miscellaneous closing Adjustments, and Adjustments for Items Unpaid by the Seller at closing.\n\nSummaries of Transactions\nBORROWER’S TRANSACTION\n\n12.0 L. Paid Already by or on Behalf of Borrower at Closing\n\n0112.1 Deposit\n\n0212.2 Loan Amount\n\n0312.3 Existing Loan(s) Assumed or Taken Subject to\n0412.4 Second Loan (Principal Balance $10,000)\n05\n\nSatisfaction of Junior Lien ($5,000 POC Borrower)\n\n06 12.5 Seller Credit\n\n12.6 Other Credits\n\n07 Rebate from Epsilon Title Co.\n\n12.7 Adjustments\n\n08 Relocation Funds from Employer, Inc.\n\nAdjustments for Items Unpaid by Seller\n\n1212.8 City/Town Taxes 1/1/14 to 4/14/14\n\n1312.9 County Taxes __ to __\n\n1412.10 Assessments _ to __\n"} diff --git a/chunks/json/1219868b1600133f1a9627cb22c24d301daf0285c437c04c68dceca80dec8d7d.json b/chunks/json/1219868b1600133f1a9627cb22c24d301daf0285c437c04c68dceca80dec8d7d.json new file mode 100644 index 0000000000000000000000000000000000000000..565ecaa199468223bff536dcfd6f615726b5a7f5 --- /dev/null +++ b/chunks/json/1219868b1600133f1a9627cb22c24d301daf0285c437c04c68dceca80dec8d7d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":340018,"char_start":338354,"chunk_id":"chk_277f72846db34fcf","chunk_index":198,"chunk_sha256":"1219868b1600133f1a9627cb22c24d301daf0285c437c04c68dceca80dec8d7d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1219868b1600133f1a9627cb22c24d301daf0285c437c04c68dceca80dec8d7d","token_estimate":416,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field may not exist in all forms vendor\nsoftware.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nThis field may not exist in all forms vendor\nsoftware.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 75 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\n468\n\n469\n\n470\n\n471\n\n472\n\n473\n\n474\n\n475\n\n476\n\n477\n\n478\n\n479\n\n480\n\n481\n\n5\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n6\n\n5\n\n6\n\n7\n\n8a\n\n8b\n\n8c\n\n9\n\n10\n\n11\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\n2\n\n3\n\n4\n\nHEADER\n\nBLANK\n\nHEADER\n\nFile #\n\nReport Title\nDescription\n\nAppraiser File\nIdentifier\n\nHEADER\n\nBLANK\n\nAppraiser Additional\nFile Identifier Name\n\nUsed to specify the title of a report.\n\n/VALUATION_RESPONSE/REPORT/@_Title\nDescription\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"} diff --git a/chunks/json/122407df5867e551445b2da2cbc7ecb6274e80cd37e05c3692eba096e4b0817c.json b/chunks/json/122407df5867e551445b2da2cbc7ecb6274e80cd37e05c3692eba096e4b0817c.json new file mode 100644 index 0000000000000000000000000000000000000000..df711d6e8736ceb8f90c76a5b901e2b4115f2f23 --- /dev/null +++ b/chunks/json/122407df5867e551445b2da2cbc7ecb6274e80cd37e05c3692eba096e4b0817c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1103,"char_start":0,"chunk_id":"chk_dc82bef9fff6c764","chunk_index":0,"chunk_sha256":"122407df5867e551445b2da2cbc7ecb6274e80cd37e05c3692eba096e4b0817c","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_fa9b000bbe687bf8","text_sha256":"122407df5867e551445b2da2cbc7ecb6274e80cd37e05c3692eba096e4b0817c","token_estimate":276,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/lsdu-release-notes-3-2.pdf"]},"text":"Master Servicing Platform Release Notes\n\nNovember 16, 2019\n\nEffective November 18, 2019, the Loan Servicing Data Utility (LSDU) 3.2 release will be implemented to support new\nLoan Data Change Module and additional functionality. LSDU is a suite of self-service tools providing servicers with\naccurate, near real-time, loan-level data and data exceptions, allowing for continuous reconciliation of Fannie Mae\nloans, cash positions, and offering operational efficiencies.\n\nThe following updates are included in this release:\n\n• Updates to the User Interface (UI)\n\nUpdates to the User Interface (UI)\n\nWith this release, updates will be made to the look and feel of the UI in LSDU. These will include an accessibility\nupdate to external users who will now be able to access the LSDU application Monday through Saturday, 24 hours a\nday. This was changed from the previous access timeframe of 8am – 9pm EST, Monday through Saturday.\n\nFor More Information\n\nFor more information about this release, please contact Future of Servicing or Master Servicing at 1-800-2FANNIE.\n\n© 2019 Fannie Mae 12.3.19 Page 1 of 1\n"} diff --git a/chunks/json/123c2a5289ded9e2792594f896d78dbd28dd4f157dab31190328508034a93bb4.json b/chunks/json/123c2a5289ded9e2792594f896d78dbd28dd4f157dab31190328508034a93bb4.json new file mode 100644 index 0000000000000000000000000000000000000000..66d2e0609889cbc61688ecc60e52d132bd4fe27f --- /dev/null +++ b/chunks/json/123c2a5289ded9e2792594f896d78dbd28dd4f157dab31190328508034a93bb4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":58078,"char_start":56110,"chunk_id":"chk_4ebcd6056133f031","chunk_index":34,"chunk_sha256":"123c2a5289ded9e2792594f896d78dbd28dd4f157dab31190328508034a93bb4","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"123c2a5289ded9e2792594f896d78dbd28dd4f157dab31190328508034a93bb4","token_estimate":492,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"String\n\nThis field occurs on every page of the form and must be consistent. The\nplacement of the header on the form varies from vendor to vendor.\n\nThis field occurs on every page of the form and must be consistent. The\nplacement of the header on the form varies from vendor to vendor. The print\nreference placement on Appendix C is not required and is for illustrative\npurposes only.\n\nThis field occurs on every page of the form and must be consistent. The\nplacement of the header on the form varies from vendor to vendor. The print\nreference placement on Appendix C is not required and is for illustrative\npurposes only.\n\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address elements must be\nincluded in this field:\n· Street number\n· Street name (including applicable pre-directional indicator, suffix, and/or\npost-directional indicator)\n· Address unit designator and number (if applicable)\nThis data is referenced more than once on the form (field 1-6, 2-11, 6-19), and\nmust be represented consistently.\n\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address element must be\nincluded in this field:\n· City\nThis data is referenced more than once on the form (field 1-7, 2-12a, 6-20a)\nand must be represented consistently.\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address element must be\nincluded in this field:\n· USPS two-letter state or territory representation\nThis data is referenced more than once on the form (fields 1-8, 2-12b, 6-20b),\nand must be represented consistently.\nUAD Requirement - Refer to Appendix D Subject Section\nMust conform to USPS (Pub 28). The following address element must be\nincluded in this field:\n· 5-digit ZIP Code or ZIP+4 Code (with or without the dash)\nThis data is referenced more than once on the form (fields 1-9, 2-12c, 6-20c)\nand must be represented consistently.\n"} diff --git a/chunks/json/123debba6e51b14ff39058e74343582d69f7f915b5ddd1127635830ffff423f0.json b/chunks/json/123debba6e51b14ff39058e74343582d69f7f915b5ddd1127635830ffff423f0.json new file mode 100644 index 0000000000000000000000000000000000000000..e54cdf7b9c3cfcb41400ed736965df4f2716823b --- /dev/null +++ b/chunks/json/123debba6e51b14ff39058e74343582d69f7f915b5ddd1127635830ffff423f0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":210411,"char_start":208575,"chunk_id":"chk_e99be6bc76225e94","chunk_index":123,"chunk_sha256":"123debba6e51b14ff39058e74343582d69f7f915b5ddd1127635830ffff423f0","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"123debba6e51b14ff39058e74343582d69f7f915b5ddd1127635830ffff423f0","token_estimate":459,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Appendix F-1: URAR Reference Guide\n\nPage 82 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nReport\nField ID\n\n4.111\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nSite: Site Valuation Methodology - Land Comparables\n\nAssessor Parcel\nNumber (APN)\n\nIf available for each\nland comparable\n\nFree-form\n\nA number assigned to parcels of real property by the tax assessor of a particular\njurisdiction for purposes of identification and record-keeping.\n\n4.112\n\nSite Size\n\nRequired for each land\ncomparable\n\nNumber of acres,\nsquare feet,\nhectares, or\nsquare meters\n\nThe total area of the site, including all parcels.\n•\n\nFor area less than 1 acre, use square feet in whole numbers (e.g., 27,840\nsq. ft.).\nFor area that is 1 acre or more, use acres to 2 decimals (e.g., 1.25 acres).\nIf using the metric system, for area less than 1 hectare, use square meters\nin whole numbers (e.g., 7,500 sq. m.).\nIf using the metric system, for area that is 1 hectare or more, use hectares\nto 2 decimals (e.g., 1.25 hectares).\n\n•\n•\n\n•\n\n4.113\n\nSale Date\n\n4.114\n\nPrice\n\nRequired for each land\ncomparable\n\nRequired for each land\ncomparable\n\nmm/dd/yyyy\n\nDollar amount\n\nSale Price\n\nReconciliation of Site Value\n\nReconciliation of Site Value\n\nReport\nField ID\n\n4.115\n\nReport Label\n\nWhen to Include\n\nReconciliation of\nSite Value\n\nRequired if Site Value\nDeveloped by\nAppraiser is Yes\n\nAllowable\nAnswers / Format\n\nFree-form\n\nSee\niGuide\n\nMap of Land\nComparables\n\nIf relevant\n\nImage\n\nDefinition / Additional Guidance\n\nCommentary should include information pertinent to the Opinion of Site Value\nthat is not captured in the discrete data, or additional details to support the\ndiscrete data that is provided, including access, utilities, zoning, views, or site\ninfluences of the land comparables in relation to the subject.\n"} diff --git a/chunks/json/12461835d8c69ec8d0a9eaa0881b2cab03851e5df66c1d28f30b77f30c22a972.json b/chunks/json/12461835d8c69ec8d0a9eaa0881b2cab03851e5df66c1d28f30b77f30c22a972.json new file mode 100644 index 0000000000000000000000000000000000000000..345a1c87a450d6cd0de27b7d1c1ab19b54201263 --- /dev/null +++ b/chunks/json/12461835d8c69ec8d0a9eaa0881b2cab03851e5df66c1d28f30b77f30c22a972.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3091,"char_start":1646,"chunk_id":"chk_443694278cb8da5f","chunk_index":1,"chunk_sha256":"12461835d8c69ec8d0a9eaa0881b2cab03851e5df66c1d28f30b77f30c22a972","date_utc":"2026-01-27T18:02:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7ff2afae800ac38c","text_sha256":"12461835d8c69ec8d0a9eaa0881b2cab03851e5df66c1d28f30b77f30c22a972","token_estimate":361,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2024-ucd-release-notes.pdf"]},"text":"© 2024 Fannie Mae 10.24.24 Page 1 of 2\n\nIn Case You Missed It\n\nEffective\nDate\n\nJanuary 22\n\nImpacted Area Description\n\nUCD User Interface –\nInformational\nQualified Mortgage\nData Point Lookup\n\nOn Jan. 22, 2024, a new tab was added to the UCD User Interface (UI) that will display data points related to Qualified\nMortgage (QM) thresholds.\n\nLenders are required to deliver data elements related to QM in the UCD file, including the method by which the creditor\nsatisfied the Ability to Repay (ATR) requirements or reason for exemption, the Annual Percentage Rate (APR) and Average\nPrime Offer Rate (APOR) percentages, Regulation Z Total Loan Amount, and Regulation Z Total Points and Fees Amount.\n\nThese data points are used to perform QM related checks at time of delivery in Loan Delivery. The edits validate that the\ndata related to the APR-APOR spread thresholds and points and fees provided in UCD meets the requirements outlined in\nthe Lender Letter LL-2021-11.\n\nThe new informational tab in the UCD UI will allow a search by Casefile ID to display the values from UCD that are used in\nperforming the Loan Delivery QM edits, along with the APR-APOR spread and points and fees percentage for quick\nreference.\nSee the Loan Delivery Quality Mortgage Edits Job Aid for additional information on the current Loan Delivery edits. A new\nUCD QM tab Quick Guide provides additional information on the new tab.\n\n© 2024 Fannie Mae 10.24.24 Page 2 of 2\n"} diff --git a/chunks/json/1247b05cd25b1a5d0d8b2bf9cda89a7d0d13c64c5b13b780651811021f0aa7d8.json b/chunks/json/1247b05cd25b1a5d0d8b2bf9cda89a7d0d13c64c5b13b780651811021f0aa7d8.json new file mode 100644 index 0000000000000000000000000000000000000000..573a059d6755b72cdc2008cd93e764c8ddd9aeca --- /dev/null +++ b/chunks/json/1247b05cd25b1a5d0d8b2bf9cda89a7d0d13c64c5b13b780651811021f0aa7d8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20383,"char_start":18620,"chunk_id":"chk_8c177e3b53d37134","chunk_index":11,"chunk_sha256":"1247b05cd25b1a5d0d8b2bf9cda89a7d0d13c64c5b13b780651811021f0aa7d8","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_54c90e842324b7de","text_sha256":"1247b05cd25b1a5d0d8b2bf9cda89a7d0d13c64c5b13b780651811021f0aa7d8","token_estimate":441,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1073_465.pdf"]},"text":"3. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency\n(or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an\nidentified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or\nimplied, regarding this determination.\n\n4. The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question,\nunless specific arrangements to do so have been made beforehand, or as otherwise required by law.\n\n5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the\npresence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or\nshe became aware of during the research involved in performing this appraisal. Unless otherwise stated in this appraisal\nreport, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the\nproperty (such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances,\nadverse environmental conditions, etc.) that would make the property less valuable, and has assumed that there are no\nsuch conditions and makes no guarantees or warranties, express or implied. The appraiser will not be responsible for any\nsuch conditions that do exist or for any engineering or testing that might be required to discover whether such conditions\nexist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must not be\nconsidered as an environmental assessment of the property.\n"} diff --git a/chunks/json/1260de0a004ee5e7e2699202df98a0ee3454b5da92e630e81cd0a02b4a4ebe9a.json b/chunks/json/1260de0a004ee5e7e2699202df98a0ee3454b5da92e630e81cd0a02b4a4ebe9a.json new file mode 100644 index 0000000000000000000000000000000000000000..02b368630d221540377ad8218a8a441fc0ce7f11 --- /dev/null +++ b/chunks/json/1260de0a004ee5e7e2699202df98a0ee3454b5da92e630e81cd0a02b4a4ebe9a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":24588,"char_start":22850,"chunk_id":"chk_7fbec9ef742e490f","chunk_index":14,"chunk_sha256":"1260de0a004ee5e7e2699202df98a0ee3454b5da92e630e81cd0a02b4a4ebe9a","date_utc":"2026-01-27T18:31:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_47c3ba41d05a3989","text_sha256":"1260de0a004ee5e7e2699202df98a0ee3454b5da92e630e81cd0a02b4a4ebe9a","token_estimate":435,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF5_Appraisal/_.pdf/SF5_Appraisal_v1.1.pdf"]},"text":"Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 17 of 19\nPage 17 of 19\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of\nassumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions\nand limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis\nnecessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the\ncertifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material\nalterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an\nappraisal organization, are permitted.\n\nScope of Work\n\nThe scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users,\nthe intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the\napplicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject\nproperty; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property\nreported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report.\n"} diff --git a/chunks/json/1268ae0b59386500e72ea447d08251fd613ed3cfa3a2daab31a6777bafde43d8.json b/chunks/json/1268ae0b59386500e72ea447d08251fd613ed3cfa3a2daab31a6777bafde43d8.json new file mode 100644 index 0000000000000000000000000000000000000000..cdb689a0a095377883fcffc94ae69e523f7448e6 --- /dev/null +++ b/chunks/json/1268ae0b59386500e72ea447d08251fd613ed3cfa3a2daab31a6777bafde43d8.json @@ -0,0 +1 @@ +{"chunk":{"char_end":20794,"char_start":19073,"chunk_id":"chk_47e87a24e300decd","chunk_index":4,"chunk_sha256":"1268ae0b59386500e72ea447d08251fd613ed3cfa3a2daab31a6777bafde43d8","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_96e78a2d28acf23b","text_sha256":"1268ae0b59386500e72ea447d08251fd613ed3cfa3a2daab31a6777bafde43d8","token_estimate":427,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__Uniform_Closing_Dataset___Fannie_Mae_dr8d4l.md"]},"text":"[]()\n\n- [Home](/)\n - [Delivering](/delivering)\n - [Uniform Mortgage Data Program](/delivering/uniform-mortgage-data-program)\n - [Uniform Closing Dataset](/delivering/uniform-mortgage-data-program/uniform-closing-dataset)\n - FAQs: Uniform Closing Dataset\n\nDelivering\n\n# FAQs: Uniform Closing Dataset\n\n**September 29, 2025 Updates**\n\nThe GSEs have compiled some of the most common Uniform Closing Dataset (UCD) questions below. Questions are grouped by topic: General, Loan Delivery, Embedded Closing Disclosure PDF in the UCD XML File, UCD Critical Edits, Fees, UCD File Content, Qualified Mortgages, and XML File Technical Considerations.\n\nThe following provides answers to questions frequently asked about Fannie Mae’s and Freddie Mac’s (GSEs’) jointly developed Uniform Closing Dataset (UCD). The GSEs developed the UCD at the direction of the Federal Housing Finance Agency (FHFA) as part of the Uniform Mortgage Data Program® (UMDP®), an ongoing initiative to enhance loan quality and consistency through uniform loan data standards for the single-family loans the GSEs purchase.\n\nFAQs updated September 29, 2025\n\n##### Uniform Closing Dataset\n\n[Learn More](/delivering/uniform-mortgage-data-program/uniform-closing-dataset)\n\n##### Technology Integration\n\n[Learn More](/technology-integration/technology-integration-resources)\n\n###\n\nGeneral\n\n**1. What is the Uniform Closing Dataset (UCD)?**\n\nThe UCD is a common industry dataset allowing information on the Closing Disclosure (CD) to be communicated electronically in a standardized format. The UCD was developed and is maintained by Fannie Mae and Freddie Mac (GSEs) and is published on each GSE’s UCD webpage as *UCD v1.5 and UCD v2.0 Specifications.*\n"} diff --git a/chunks/json/127c279656e276284b786481e97a987ccb0cc5ebd22340ebc5f082f52d3a89ca.json b/chunks/json/127c279656e276284b786481e97a987ccb0cc5ebd22340ebc5f082f52d3a89ca.json new file mode 100644 index 0000000000000000000000000000000000000000..a4d78a21f0492761cfa8f106651cc5ed10dde3ad --- /dev/null +++ b/chunks/json/127c279656e276284b786481e97a987ccb0cc5ebd22340ebc5f082f52d3a89ca.json @@ -0,0 +1 @@ +{"chunk":{"char_end":472431,"char_start":470832,"chunk_id":"chk_a07679ffe09836c8","chunk_index":277,"chunk_sha256":"127c279656e276284b786481e97a987ccb0cc5ebd22340ebc5f082f52d3a89ca","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"127c279656e276284b786481e97a987ccb0cc5ebd22340ebc5f082f52d3a89ca","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ManagementType='Oth\ner' and\n@_ManagementTypeOtherDescription='HomeownersAssociationAndDeveloperA\nndManagementAgent']\n\n51\n\n51\n\nEnumerated\n\nThis field should be indicated if Developer and Management Agent are checked.\n\nEnumerated\n\nThis field should be indicated if HOA, Developer and Management Agent are checked.\n\n189\n\n1\n\n178\n\nPROJECT\nINFORMATION\n\nProvide name of management\ncompany\n\nProject\nManagement\nAgent Name\n\nUsed to identify the management agent's\nname if Management Agent is indicated\nin Project Management Type.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@_ManagementAgentNam\ne\n\n200\n\nString\n\n190\n\n1\n\n179\n\nPROJECT\nINFORMATION\n\n191\n\n1\n\n180\n\nPROJECT\nINFORMATION\n\n192\n\n1\n\n181\n\nPROJECT\nINFORMATION\n\nDoes any single entity (the same\nindividual, investor group,\ncorporation, etc.) own more\nthan 10% of the total units in\nthe project?\nYes\n\nProject\nConcentrated\nOwnership\nIndicator\n\nDoes any single entity (the same\nindividual, investor group,\ncorporation, etc.) own more\nthan 10% of the total units in\nthe project?\nNo\n\nDoes any single entity (the same\nindividual, investor group,\ncorporation, etc.) own more\nthan 10% of the total units in\nthe project?\nIf Yes, describe\n\nProject\nConcentrated\nOwnership\nIndicator\n\nProject\nConcentrated\nOwnership\nDescription\n\nIndicates that one person or entity holds\nmore than ten (10) percent ownership of\nthe project. FORM-SPECIFIC FIELD.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ConcentratedOwnershi\npIndicator='Y']\n\nIndicates that one person or entity holds\nmore than ten (10) percent ownership of\nthe project. FORM-SPECIFIC FIELD.\n"} diff --git a/chunks/json/12866aa2ea8f5fc07ddc9f172066eb2856b2142d99a3f24c1ffdb63addf0b541.json b/chunks/json/12866aa2ea8f5fc07ddc9f172066eb2856b2142d99a3f24c1ffdb63addf0b541.json new file mode 100644 index 0000000000000000000000000000000000000000..120b734354b52ad74aa5de969c781077f8713143 --- /dev/null +++ b/chunks/json/12866aa2ea8f5fc07ddc9f172066eb2856b2142d99a3f24c1ffdb63addf0b541.json @@ -0,0 +1 @@ +{"chunk":{"char_end":3471,"char_start":1841,"chunk_id":"chk_312b7c4af03cc981","chunk_index":1,"chunk_sha256":"12866aa2ea8f5fc07ddc9f172066eb2856b2142d99a3f24c1ffdb63addf0b541","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01ebc219f1f823a0","text_sha256":"12866aa2ea8f5fc07ddc9f172066eb2856b2142d99a3f24c1ffdb63addf0b541","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-release-apr-15-2023.pdf"]},"text":"N O T E : The Required Investment Calculation change will only apply to loan casefiles underwritten with FHA version 4.1\nonly. However, to ensure proper calculations by DU, lenders should continue to only use Line D. on no cash-out and\nlimited cash-out loan casefiles underwritten with FHA version 4.0.\n\n▪ The service used by DU to standardize the address in order to determine the county in which the property is located will be\nupdated. The updated version of the service will now return data based on 2020 census. This value is sent to the FHA TOTAL\nscorecard, which determines the county loan limit for display by DU.\n\nNOTE: This change will apply to version 4.1 only.\n\n▪ One FHA message will be updated for clarity and one message will be removed to better align with the FHA Single Family\n\nHousing Policy Handbook. These changes will apply to both FHA version 4.0 and 4.1.\n\nFHA Positive Rental History\n\nFor all cases with an FHA Case Assignment date on or after March 25, or for cases submitted or resubmitted on or after March 25\nwithout an FHA case number, the FHA TOTAL Scorecard will generate an error if a valid value for Positive Rental History is not\nprovided in the Government Section. For cases where Positive Rental History does not apply, including refinances, lenders\n\n© 2023 Fannie Mae. Trademarks of Fannie Mae.\n\n3.9.23\n\n1 of 2\n\nshould provide a value of “No”. Refinances with any value other than “No” will also generate an error from FHA. This change will\nbe reflected in the next DU Spec update.\n\nAdditional Resources\n\nFor additional information, please reference the documents and web sites listed below.\n"} diff --git a/chunks/json/129187e964d32825cf5d0bf0edf2ce846c513202e54d22e3770d28b18f3d10ae.json b/chunks/json/129187e964d32825cf5d0bf0edf2ce846c513202e54d22e3770d28b18f3d10ae.json new file mode 100644 index 0000000000000000000000000000000000000000..08b2c1979bf44f1fc20821383e39833e7fbdacc3 --- /dev/null +++ b/chunks/json/129187e964d32825cf5d0bf0edf2ce846c513202e54d22e3770d28b18f3d10ae.json @@ -0,0 +1 @@ +{"chunk":{"char_end":310214,"char_start":308591,"chunk_id":"chk_010e60371999bc59","chunk_index":167,"chunk_sha256":"129187e964d32825cf5d0bf0edf2ce846c513202e54d22e3770d28b18f3d10ae","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"129187e964d32825cf5d0bf0edf2ce846c513202e54d22e3770d28b18f3d10ae","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"…/FEE/FEE_PAYME\nNTS/FEE_PAYMENT\n\nFeeActualPayment\nAmount\n\n450.00\n\nROF as “$450.00”\n\n8.17.2 Paid by Others\n\nFeePaymentPaidBy\nType\n\nThirdParty\n\nROF as ”Paid by\nOthers”\n\nAppendix E: UCD Implementation Guide\n\nPage 141 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n8.0 Other Costs Table\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\nTable 100. Other Line Items\n\n8.17.2 At Closing\n\nfalse\n\nROF as “At Closing”\n\nFeePaymentPaidOu\ntsideOfClosingIndic\nator\n\nFifth Instance of FEE\n\nN/A - GSE\n\n…/FEE/FEE_DETAIL\n\nFeePaidToType\n\nThirdPartyProvider Not shown –\n\nUID\n8.180\n\n8.17\n\nReal Estate\nCommission\n(Listing)\n\n8.17 N/A - XML\n\n8.17 N/A\n\nN/A - GSE\n\nUID\n8.186\n\n8.17.1 Real Estate\nCommission\n(Listing) to _____\n\n…/FEE/FEE_PAID_T\nO/LEGAL_ENTITY/L\nEGAL_ENTITY_DETA\nIL\n\nATR/QM\n\nROF as “Real Estate\nCommission\n(Listing)”\n\nFeeType\n\nRealEstateCommiss\nionSellersBroker\n\n@gse:DisplayLabelT\next\n\nIntegratedDisclosur\neSectionType\n\nReal Estate\nCommission\n(Listing)\n\nOtherCosts\n\nOptionalCostIndicat\nor\n\nfalse\n\nRegulationZPointsA\nndFeesIndicator\n\ntrue\n\nNot shown unless =\n“true”\n\nNot Shown –\nATR/QM\n\nFullName\n\nAlpha Real Estate\nBroker\n\nPayee company\nname\n\n8.17.2 Seller-Paid At\n\nClosing ($)\n\n…/FEE/FEE_PAYME\nNTS/FEE_PAYMENT\n\nFeeActualPayment\nAmount\n\n5700.00\n\nROF as “$5,700.00”\n\n8.17.2 Seller-Paid\n\n8.17.2 At Closing\n\nFeePaymentPaidBy\nType\n\nSeller\n\nROF as “Seller-\nPaid”\n\nfalse\n\nROF as “At Closing”\n\nFeePaymentPaidOu\ntsideOfClosingIndic\nator\n\nSixth Instance of FEE\n\nN/A – GSE\n\n…/FEE/FEE_DETAIL\n\nFeePaidToType\n\nThirdPartyProvider Not shown –\n\nUID\n8.180\n\n8.17\n\nReal Estate\nCommission\n(Selling)\n"} diff --git a/chunks/json/129491fbe243eeacf6bee09184b2ef6ea8618ccdd0bc0488a4b7603af0a057d9.json b/chunks/json/129491fbe243eeacf6bee09184b2ef6ea8618ccdd0bc0488a4b7603af0a057d9.json new file mode 100644 index 0000000000000000000000000000000000000000..8914ba31cbf93efba4b5fb79ecc7e2b27ba0f3ba --- /dev/null +++ b/chunks/json/129491fbe243eeacf6bee09184b2ef6ea8618ccdd0bc0488a4b7603af0a057d9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10258,"char_start":8294,"chunk_id":"chk_1cf2517b0fc8619f","chunk_index":5,"chunk_sha256":"129491fbe243eeacf6bee09184b2ef6ea8618ccdd0bc0488a4b7603af0a057d9","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6d5adf56d1237dd1","text_sha256":"129491fbe243eeacf6bee09184b2ef6ea8618ccdd0bc0488a4b7603af0a057d9","token_estimate":491,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH2_Appraisal/_.pdf/MH2_Appraisal_v1.3.pdf"]},"text":"Dwelling Exterior Exhibits\n\nDwelling Rear\n\nThis is where the Dwelling Rear photo would display.\n\nAppraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 6 of 20\n\nManufactured Home\n\nManufacturer Name\nYear Installed\nMoved Since Original Installation No\n\nXYZ Homes\n2020\n\nAttached to Permanent\nFoundation\nTowing Hitch, Wheels, Axles\nRemoved\nManufactured Home Width\nSkirting\n\nYes\n\nYes\nMulti\nPoured Concrete\n\nYes No\nHave there been any modifications, attachments, or additions that rely on or have altered the original structure for support?  \n\nHUD Data Plate\n\nHUD Data Plate Attached\nDate of Manufacture\nSerial Number\n\nHUD Certification Label\n\nYes\n09/01/2020\ngaelw43232790-er293/\ngbelw43232790-er293\n\nHUD Wind Zone\nHUD Thermal Zone\nHUD Roof Load Zone\n\nZone I\nZone 1\nSouth\n\nLabel Present for All Sections\n\nYes\n\nHUD Certification Number\n\nere32498213\nere32498214\n\nManufactured Home Certification Program\n\nCertification\nFannie Mae MH Advantage\n\nIdentifier\nSAB032251MLAX\n\nFreddie Mac CHOICEHome\n\nCH1000001\n\nManufactured Home Commentary\n\nThe subject is a manufactured home that was built to HUD Code and structurally designed and constructed to accommodate site-built\nfeatures. Specifically, for the subject, the attached garage and front porch which were constructed at the time of installation.\n\nCHOICEHome and MH Advantage manufactured homes are constructed with features and characteristics that exceed the minimum HUD\nCode. This may include drywall interiors, elevated roof pitch, higher standard energy efficiency features, greater R-value insulation, and\nupgraded plumbing fixtures and cabinetry. Each MH Advantage or CHOICEHome must have at least two of the following features: attached\ngarage or carport, roof dormers or porch. These homes may also have solid surface counters and vaulted, tray, or beamed ceilings along with\nother quality upgrades.\n"} diff --git a/chunks/json/129e8db2fde0ab4e86a64ab3b583170d72755a2f25241ee01680dfd5b6d836ad.json b/chunks/json/129e8db2fde0ab4e86a64ab3b583170d72755a2f25241ee01680dfd5b6d836ad.json new file mode 100644 index 0000000000000000000000000000000000000000..65dc402f38006bd93f0977420de5dc2a2845093e --- /dev/null +++ b/chunks/json/129e8db2fde0ab4e86a64ab3b583170d72755a2f25241ee01680dfd5b6d836ad.json @@ -0,0 +1 @@ +{"chunk":{"char_end":216928,"char_start":215106,"chunk_id":"chk_d1f6641738a9146f","chunk_index":109,"chunk_sha256":"129e8db2fde0ab4e86a64ab3b583170d72755a2f25241ee01680dfd5b6d836ad","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"129e8db2fde0ab4e86a64ab3b583170d72755a2f25241ee01680dfd5b6d836ad","token_estimate":456,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"5.6.1 $356\n5.6.2 a month\n\nThis estimate includes\n5.6.3  Property Taxes\n5.6.4  Homeowners Insurance\n5.6.5  Other: Homeowner’s Association Dues\n\nIn escrow?\nYES/NO /SO ME\nYES/NO /SO ME\nNO /YES/SO ME\n\nSee Escrow Account on page 4 for details. You must pay for other\nproperty costs separately.\n\nFigure 67. Estimated Taxes, Insurance & Assessments\n\n5. 6. 1 | 5. 6. 2 TOTAL PERI ODI C PAYMENT AMOUNT\n\nThe total periodic payment for ETI&A is submitted using the following UCD data points. The same data point\n(PaymentFrequencyType) used to indicate the payment period for the Estimated Total Payment amount also\npopulates the ETI&A period, and will appear only once in the XML file.\n\nTable 84. ETI&A Payment Period and Total Periodic Amount\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\n5.6.1\n\nEstimated Taxes,\nInsurance\n& Assessments ($)\n\n…/ESTIMATED_PRO\nPERTY_COST_DETAI\nL\n\nProjectedPaymentE\nstimatedTaxesInsur\nanceAssessmentTot\nalAmount\n\n356.16\n\nROF as “$356.16”\n\n5.6.2 |\n5.5\n\na month\n\n…/PROJECTED_PAY\nMENT\n\nPaymentFrequency\nType\n\nMonthly\n\n▪ ROF as “a\nmonth”\n▪ This value\n\npopulates two\nsections of the\nProjected\nPayments Table,\nbut appears in\nPROJECTED_PAY\nMENT only once.\n\nAppendix E: UCD Implementation Guide\n\nPage 98 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n5.0 Projected Payments Table\n\n5. 6. 3 – 5. 6.5 PROPERTY CHARGE S I NCLUDED I N ETI &A AMOUNT\n\nThe ETI&A amount is the sum of periodic property charges for taxes, insurance and assessments. This amount\nmust be disclosed regardless of whether an escrow account is established for the payment of any of these\ncharges. Lenders must indicate for each line item whether it is to be paid from an escrow account (“YES” or\n“NO”). Checkboxes next to the periodic ETI&A amount indicate the charges included:\n"} diff --git a/chunks/json/12a656a16fe0e5ea42ec22ad174831a4f5341cd46da1774b15884531b6cdb072.json b/chunks/json/12a656a16fe0e5ea42ec22ad174831a4f5341cd46da1774b15884531b6cdb072.json new file mode 100644 index 0000000000000000000000000000000000000000..a1c1935f633a39999245c9f54cf38f7b4181c374 --- /dev/null +++ b/chunks/json/12a656a16fe0e5ea42ec22ad174831a4f5341cd46da1774b15884531b6cdb072.json @@ -0,0 +1 @@ +{"chunk":{"char_end":537834,"char_start":536151,"chunk_id":"chk_ad53ef355ec8d34c","chunk_index":319,"chunk_sha256":"12a656a16fe0e5ea42ec22ad174831a4f5341cd46da1774b15884531b6cdb072","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"12a656a16fe0e5ea42ec22ad174831a4f5341cd46da1774b15884531b6cdb072","token_estimate":421,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Report\nField ID\n\nNot on\nReport\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Water Frontage with Private Access\n\nN/A\n\nRequired if Site\nInfluence (22.03.42) is\nBody of Water\n\nYes | No\n\nSite\n•\n\nThis is an\nappraiser\ninput that\ndoes not\ndisplay\n\nProperty Has\nPrivate Access\nRights to the Body\nof Water Not on\nReport\n\nNo\n\nProperty Has Private Access Rights to the Body of Water: Indicates\nwhether the property has private access to the associated body of\nwater.\n\nThis represents private access from the property only, either through a\ncommunity buffer or exclusive to the property. Do not select Yes to\nreport on public, community, or project waterfront access and\namenities.\n\nAppendix F-1: URAR Reference Guide\n\nPage 234 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport\nField ID\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Water Frontage with Private Access\n\n22.04.05 Water\n\nFrontage with\nPrivate Access\n(subsection\nheading)\n\nWhen the\nsubject or any\ncomparable\nhas private\naccess to one\nor more\nbodies of\nwater\n\nFor Each Body of Water with Private Access\n\nYes\n22.04.05\n\nAny adjustment for the Water Frontage with Private Access subsection\nis made in this row.\n\nThe appraiser must indicate which bodies of water have private access from the property and may also provide additional information about each\none.\n"} diff --git a/chunks/json/12a9788f47d3d0702ee9bfb3cb73a356902b10a46091f9ac0b797af410b05ec9.json b/chunks/json/12a9788f47d3d0702ee9bfb3cb73a356902b10a46091f9ac0b797af410b05ec9.json new file mode 100644 index 0000000000000000000000000000000000000000..bd0daf25cd6cddc73bfc2007a7465cbddd36653c --- /dev/null +++ b/chunks/json/12a9788f47d3d0702ee9bfb3cb73a356902b10a46091f9ac0b797af410b05ec9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":30840,"char_start":28782,"chunk_id":"chk_b644600c23d3aa0f","chunk_index":8,"chunk_sha256":"12a9788f47d3d0702ee9bfb3cb73a356902b10a46091f9ac0b797af410b05ec9","date_utc":"2026-01-27T18:02:18+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_35d508805bb0fc2c","text_sha256":"12a9788f47d3d0702ee9bfb3cb73a356902b10a46091f9ac0b797af410b05ec9","token_estimate":514,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/DU_Validation_Service_Verification_Report_Vendors__67newj.md"]},"text":"[**Click here**](/media/document/xlsx/du-validation-service-verification-report-vendors-excel) to view an easily sortable list of eligible verification reports and the authorized report suppliers and distributors who provide the reports.\n\nAuthorized Report Providers work with various integration technology providers to support the automated ordering and delivery of the verification reports. [Avantus](https://avantus.com/products_los.shtml), [CoreLogic](https://www.corelogic.com/), [Equifax](https://www.equifax.com/business/mortgage), [First American Mortgage Solutions](https://www.firstam.com/mortgagesolutions/markets/mortgage-origination.html), [FormFree](https://www.formfree.com/integrations-and-resellers/), [NCS (National Credit-reporting System, Inc.)](http://www.ncstrv.com/solutions/day-1-certainty/), [SharperLending](https://tvppro.com/day-1-certaintytm-info/), and [Veri-Tax](https://veri-tax.com/partners/fannie-mae-day-1-certainty/) post lists of integration technology providers with which they have relationships. Please contact the technology provider directly for more information on the specific integrations and services they provide.\n\n*NOTE: Fannie Mae does not endorse any particular vendor, and does not represent or warrant that any report supplier will meet a lender's requirements. Lenders must establish controls to manage and monitor the vendors in accordance with their own regulatory requirements.*\n\nFannie Mae is committed to ensuring that vendors on our platform are providing high-quality data. As part of our ongoing vendor monitoring, we encourage lenders to report any data discrepancies they see in any third-party verification reports to the[](/cdn-cgi/l/email-protection#610550023e050015003e05081202130411000f02183e12040d073e1304110e13152107000f0f08040c00044f020e0c)[Day 1 Certainty Data Discrepancy Mailbox](https://singlefamily.fanniemae.com/form/day_1_certainty_data_discrepancy)[.](/cdn-cgi/l/email-protection#6a0e5b09350e0b1e0b350e031909180f1a0b04091335190f060c35180f1a05181e2a0c0b0404030f070b0f44090507)\n"} diff --git a/chunks/json/1303df0896b20047f2c0adbd8640b98e29d378826115ebe72c309f9b38ccf7c6.json b/chunks/json/1303df0896b20047f2c0adbd8640b98e29d378826115ebe72c309f9b38ccf7c6.json new file mode 100644 index 0000000000000000000000000000000000000000..fc99e15278e15a5c13676c39eb5a9c11484c61af --- /dev/null +++ b/chunks/json/1303df0896b20047f2c0adbd8640b98e29d378826115ebe72c309f9b38ccf7c6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":56715,"char_start":54919,"chunk_id":"chk_3171fbb2499fc35b","chunk_index":30,"chunk_sha256":"1303df0896b20047f2c0adbd8640b98e29d378826115ebe72c309f9b38ccf7c6","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"1303df0896b20047f2c0adbd8640b98e29d378826115ebe72c309f9b38ccf7c6","token_estimate":449,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"Legal Entity Identifier (LEI): LEI is a\n\nnew HMDA data element that is a\nunique identification number associated\n\n87 The CFPB implemented the TRID closing\ndisclosure to provide a single disclosure to help\nconsumers understand all of the costs of a mortgage\ntransaction prior to closing, in accordance with the\ndirection of the Dodd-Frank Wall Street Reform and\nConsumer Protection Act. See CFPB, Integrated\nMortgage Disclosures Under the Real Estate\nSettlement Procedures Act (Regulation X) and the\nTruth In Lending Act (Regulation Z), Final Rule, 78\nFR 79730 (Dec. 31, 2013). Regulation C incorporates\nsome items exactly from the TRID closing\ndisclosure. See, e.g., 80 FR at 66211 (defining\nRegulation C Origination Charges as the same as\ndata entered on the closing disclosure). The\nEnterprises’ UCD includes the data from the TRID\nclosing disclosure. See Uniform Closing Dataset\nFAQ Updates, at https://www.fanniemae.com/\ncontent/faq/uniform-closing-dataset-faqs.pdf (June\n28, 2019) (joint Enterprise publication).\n\n88 12 CFR 1003.4(a)(17)(i).\n89 12 CFR 1003.4(a)(18).\n90 12 CFR 1003.4(a)(20).\n91 12 CFR 1003.4(a)(10)(i); Appendix B to Part\n\n1003.\n\nVerDate Sep<11>2014 18:35 Jun 02, 2020 Jkt 250001 PO 00000 Frm 00043 Fmt 4703 Sfmt 4703 E:\\FR\\FM\\03JNN1.SGM 03JNN1\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n2\n4\nC\nV\n5\nF\n9\nK\nS\nD\nn\no\n\nr\ne\nt\nt\no\n\nl\n\nFederal Register / Vol. 85, No. 107 / Wednesday, June 3, 2020 / Notices\n\n34203\n\nwith the single legal entity that\noriginated the loan.92 LEI is the first 20\ncharacters of the 45-character Universal\nLoan Identifier (ULI), which is a new\nHMDA data element that is collected by\nthe Enterprises (discussed below in\nSection II.B.5.).93 LEI is intended to be\npublished by the CFPB without\nmodification, although the ULI is\nexcluded to protect borrower privacy.94\n"} diff --git a/chunks/json/1305aac8ce2cac862e191230e81cbe9d01745856369c20b5a80ca1aea7115e6b.json b/chunks/json/1305aac8ce2cac862e191230e81cbe9d01745856369c20b5a80ca1aea7115e6b.json new file mode 100644 index 0000000000000000000000000000000000000000..a1079f1588c1f550f76aaec3af15777436608c7e --- /dev/null +++ b/chunks/json/1305aac8ce2cac862e191230e81cbe9d01745856369c20b5a80ca1aea7115e6b.json @@ -0,0 +1 @@ +{"chunk":{"char_end":211612,"char_start":209989,"chunk_id":"chk_29748ca35a0cd9bd","chunk_index":123,"chunk_sha256":"1305aac8ce2cac862e191230e81cbe9d01745856369c20b5a80ca1aea7115e6b","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1305aac8ce2cac862e191230e81cbe9d01745856369c20b5a80ca1aea7115e6b","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/C\nOMPARISON_DETAIL_EXTENSION/COMP\nARISON_DETAIL_EXTENSION_SECTION[\n@ExtensionSectionOrganizationName='UNIFO\nRM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTE\nNSION_SECTION_DATA/COMPARISON_D\nETAIL/@GSEBasementExitType\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/C\nOMPARISON_DETAIL_EXTENSION/COMP\nARISON_DETAIL_EXTENSION_SECTION[\n@ExtensionSectionOrganizationName='UNIFO\nRM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTE\nNSION_SECTION_DATA/COMPARISON_D\nETAIL/@GSEBelowGradeRecreationRoomCou\nnt\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/C\nOMPARISON_DETAIL_EXTENSION/COMP\nARISON_DETAIL_EXTENSION_SECTION[\n@ExtensionSectionOrganizationName='UNIFO\nRM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTE\nNSION_SECTION_DATA/COMPARISON_D\nETAIL/@GSEBelowGradeBedroomRoomCount\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/C\nOMPARISON_DETAIL_EXTENSION/COMP\nARISON_DETAIL_EXTENSION_SECTION[\n@ExtensionSectionOrganizationName='UNIFO\nRM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTE\nNSION_SECTION_DATA/COMPARISON_D\nETAIL/@GSEBelowGradeBathroomRoomCoun\nt\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThe appraisal report must indicate the finished square footage in whole\nnumbers only, no commas. If 0% finished, a value of zero (0) must be entered.\n\n5\n\nNumeric\n\nPDF Display Format:\nSquare footage, numeric, to 5-digits: 12345 maximum.\n"} diff --git a/chunks/json/131f6dbc1e30f35e4c3d2323914d4223cbf76b461a1221ff9eb26874e585f222.json b/chunks/json/131f6dbc1e30f35e4c3d2323914d4223cbf76b461a1221ff9eb26874e585f222.json new file mode 100644 index 0000000000000000000000000000000000000000..bc33afc9c3848b411acff27f93f044fbc62df738 --- /dev/null +++ b/chunks/json/131f6dbc1e30f35e4c3d2323914d4223cbf76b461a1221ff9eb26874e585f222.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1093015,"char_start":1090448,"chunk_id":"chk_3af3ea140a93e29d","chunk_index":649,"chunk_sha256":"131f6dbc1e30f35e4c3d2323914d4223cbf76b461a1221ff9eb26874e585f222","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"131f6dbc1e30f35e4c3d2323914d4223cbf76b461a1221ff9eb26874e585f222","token_estimate":642,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/STRUCTURE/COOLING/@_In\ndividualIndicator\n\n166\n\nIMPROVEMENTS\n\nCooling\nOther\n\nCooling Other\nIndicator\n\nIndicates that the structure or unit has a\ncooling configuration other than\nCentralized or Individual. The details\nmay be found in Cooling Unit\nDescription.\n\n/VALUATION_RESPONSE/PROPERTY/STRUCTURE/COOLING/@_Ot\nherIndicator\n\n10\n\n15\n\n1\n\n1\n\n1\n\nString\n\nUAD Instruction - Refer to Appendix D Improvements Section\nIf no heat source, the 'Other' box should be checked and 'None' should be indicated.\n\nString\n\nUAD Instruction - Refer to Appendix D Improvements Section\nThis field should indicate the fuel used for heating, if any. If no heating, then 'None'\nshould be indicated.\n\nBoolean\n\nUAD Instruction - Refer to Appendix D Improvements Section\nA value of 'Y' indicates central cooling, a value of 'N' indicates the box is not\nchecked.\n\nBoolean\n\nUAD Instruction - Refer to Appendix D Improvements Section\nA value of 'Y' indicates individual cooling units, a value of 'N' indicates the box is\nnot checked.\n\nBoolean\n\nUAD Instruction - Refer to Appendix D Improvements Section\nA value of 'Y' indicates other cooling, a value of 'N' indicates the box is not checked.\n\nAt least one of fields 1-158, 1-159, 1-160, 1-\n161 (values of Heating Type) should be\nindicated. If field 1-162 indicates 'None' then\nfields 1-158, 1-159, 1-160 should not be\nindicated\nThis field should be populated if and only if\nfields 1-161 (Heating Type = 'Other') is\nindicated.\nThis field should be populated if any of fields 1-\n158, 1-159, 1-160, 1-161 (values of Heating\nType) is indicated and 'None' is not populated in\nfield 1-162.\nAt least one of fields 1-164 (Cooling\nCentralized Indicator = 'Y'), 1-165 (Cooling\nIndividual Indicator = 'Y'), 1-166 (Cooling\nOther Indicator = 'Y') should be indicated. If\nfield 1-167 (Cooling Unit Description) indicates\n'None' then fields 1-164 and 1-165 should not\nbe indicated\nAt least one of fields 1-164 (Cooling\nCentralized Indicator = 'Y'), 1-165 (Cooling\nIndividual Indicator = 'Y'), 1-166 (Cooling\nOther Indicator = 'Y') should be indicated. If\nfield 1-167 (Cooling Unit Description) indicates\n'None' then fields 1-164 and 1-165 should not\nbe indicated\nAt least one of fields 1-164 (Cooling\nCentralized Indicator = 'Y'), 1-165 (Cooling\nIndividual Indicator = 'Y'), 1-166 (Cooling\nOther Indicator = 'Y') should be indicated. If\nfield 1-167 (Cooling Unit Description) indicates\n'None' then fields 1-164 and 1-165 should not\nbe indicated\nThis field should be populated if field 1-166\n(Cooling Other Indicator = 'Y') is indicated.\n"} diff --git a/chunks/json/13318204ce1815fe1c2db836c8d49d672da5e2cbd4a6cb69752f2eac3b703284.json b/chunks/json/13318204ce1815fe1c2db836c8d49d672da5e2cbd4a6cb69752f2eac3b703284.json new file mode 100644 index 0000000000000000000000000000000000000000..f23e92ab1c581ac9e4569d22e77b179a77b981e4 --- /dev/null +++ b/chunks/json/13318204ce1815fe1c2db836c8d49d672da5e2cbd4a6cb69752f2eac3b703284.json @@ -0,0 +1 @@ +{"chunk":{"char_end":26287,"char_start":24616,"chunk_id":"chk_3638a4343dbac1b6","chunk_index":30,"chunk_sha256":"13318204ce1815fe1c2db836c8d49d672da5e2cbd4a6cb69752f2eac3b703284","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"13318204ce1815fe1c2db836c8d49d672da5e2cbd4a6cb69752f2eac3b703284","token_estimate":418,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"The Final Value Condition Statement is a text field, which is created based on the valid value(s) of Market Value Condition. (Figure 02 - 1)\n\n• Market Value Condition - PropertyValuationConditionalConclusionType (UID: 2800.0002, FID: 02.003)\n\nFigure 02 - 1\n\nNote: When Market Value Condition – PropertyValuationConditionalConclusionType = “AsIs”,\n\nthe Final Value Condition Statement does not display.\n\nStart with the statement, “This appraisal is made”\n\nPage 18\n\nCompletion Report: Final Value Condition Statement\n\nIf Market Value Condition is…\n\nSubject to Completion Per Plans\n\nSubject to Inspection\n\nSubject to Repair\n\nDisplay Text\nsubject to completion per plans and specifications on the basis of a hypothetical condition that the\nimprovements have been completed\nsubject to the itemized list of required inspections below based on the extraordinary assumption that the\ncondition or deficiency does not require alteration or repair\nsubject to the itemized list of repairs recommended below on the basis of a hypothetical condition that the\nrepairs or alterations have been completed in a professional manner\n\nSubject to Completion Per Plans/Inspection/Repair\n\nWhen PropertyValuationConditionalConclusionType (UID: 2800.0002, FID: 02.003) = \"SubjectToCompletionPerPlans\" OR \"SubjectToInspection\" OR\n\"SubjectToRepair\":\n\n1. The statement begins with the text, “This appraisal is made”\n2. Followed by “Display Text” for the corresponding market value condition.\n\na.\n\nIf there are multiple market value conditions, each “Display Text” is separated by “, and”\n\n3. End the sentence with a period.\n4. Add a final sentence, “This might have affected the assignment results.”\n"} diff --git a/chunks/json/1347e47ea377c78f764aed200d0fcd5e654a44cf065871e0beed37e93b6672c4.json b/chunks/json/1347e47ea377c78f764aed200d0fcd5e654a44cf065871e0beed37e93b6672c4.json new file mode 100644 index 0000000000000000000000000000000000000000..89bcf2bb0079fe8decb2213f4f43724a04dee00a --- /dev/null +++ b/chunks/json/1347e47ea377c78f764aed200d0fcd5e654a44cf065871e0beed37e93b6672c4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":316324,"char_start":314560,"chunk_id":"chk_3a12879775533cbf","chunk_index":185,"chunk_sha256":"1347e47ea377c78f764aed200d0fcd5e654a44cf065871e0beed37e93b6672c4","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1347e47ea377c78f764aed200d0fcd5e654a44cf065871e0beed37e93b6672c4","token_estimate":441,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"25\n\nCOST APPROACH\n\nCost-New Improvements\nGarage/Carport\nPrice/Sq.Ft.\n\nPrice Per Square Foot\nAmount\n\n26\n\nCOST APPROACH\n\nCost-New Improvements\nGarage/Carport\nCost\n\nNew Improvement\nCost Amount\n\n27\n\nCOST APPROACH\n\nTotal Estimated Cost-\nNew\n\nNew Improvement\nTotal Cost Amount\n\n29\n\nCOST APPROACH Physical Depreciation\n\n31\n\nCOST APPROACH Functional Depreciation\n\n33\n\nCOST APPROACH External Depreciation\n\n34\n\nCOST APPROACH Total Depreciation\n\n35\n\nCOST APPROACH\n\nDepreciated Cost of\nImprovements\n\n36\n\nCOST APPROACH\n\n\"As-Is\"` Value of Site\nImprovements\n\nDepreciation Physical\nAmount\n\nDepreciation\nFunctional Amount\n\nDepreciation Exterior\nAmount\n\nDepreciation Total\nAmount\n\nNew Improvement\nDepreciated Cost\nAmount\nSite Other\nImprovements As Is\nAmount\n\nThe price in terms of dollars per\nsquare foot. This is a ratio between a\nprice and an area, but it is a monetary\nvalue rather than a factor or rate. (i.e.\nsales price per gross living area of a\nproperty)\nThe dollar value of total estimated\ncosts to reproduce new the property\nimprovement. (CALCULATED\nRESULTS FIELD)\nThe dollar value of the total costs to\nreproduce new the improvements on\nthe subject property.\nThis element specifies the Physical\ndepreciation amount of the subject\nproperty.\nThis element specifies the Functional\ndepreciation amount of the subject\nproperty.\nThis element specifies the Exterior\ndepreciation amount of the subject\nproperty.\nSpecifies the total amount of\ndepreciation for the property\nimprovements. This amount includes\nphysical, functional and external\ndepreciation. (CALCULATED\nRESULTS FIELD)\nSpecifies the reproduction costs of the\nimprovements after depreciation has\nbeen taken into account.\nThe dollar value contributed by other\n\"as is\" improvements located on the\nsubject property site.\n"} diff --git a/chunks/json/134891aada5dc3f943c0cd720611345217c8ba24665a56e7c69a6e9e82a23291.json b/chunks/json/134891aada5dc3f943c0cd720611345217c8ba24665a56e7c69a6e9e82a23291.json new file mode 100644 index 0000000000000000000000000000000000000000..70c5fdc981dfdc615c84ec9aba4d3e50f44a7337 --- /dev/null +++ b/chunks/json/134891aada5dc3f943c0cd720611345217c8ba24665a56e7c69a6e9e82a23291.json @@ -0,0 +1 @@ +{"chunk":{"char_end":455551,"char_start":453515,"chunk_id":"chk_0f039dc2af7a31a3","chunk_index":263,"chunk_sha256":"134891aada5dc3f943c0cd720611345217c8ba24665a56e7c69a6e9e82a23291","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"134891aada5dc3f943c0cd720611345217c8ba24665a56e7c69a6e9e82a23291","token_estimate":509,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 17 of 22\n\nSales Comparison Approach (continued)\n\nPG BRK\n\nSales Comparison Map\n\nThis is where the Comparable Sales Map image would display.\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)\n\nUniform Residential Appraisal Report\n\nPage 18 of 22\n\nSales Comparison Approach (continued)\n\nPG BRK\n\nSales Comparison Approach Exhibits\n\nComparable #1\n\nComparable #2\n\nThis is where the Comparable 1 photo would display.\n\nThis is where the Comparable 2 photo would display.\n\nComparable #3\n\nComparable #4\n\nThis is where the Comparable 3 photo would display.\n\nThis is where the Comparable 4 photo would display.\n\nComparable #5\n\nThis is where the Comparable 5 photo would display.\n\nReconciliation\n\nApproaches to Value\n\nIndicated Value\n\nReason for Exclusion\n\nSales Comparison Approach\n$880,000\n\nIncome Approach\n\nCost Approach\n\nInsufficient Data\n\nNot applicable for attached\nproperties as prospective purchasers\ndo not consider individual\nconstruction as a method when\npurchasing this type of property.\n\nAppraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)\n\nUniform Residential Appraisal Report\n\nPage 19 of 22\n\nReconciliation (continued)\n\nAppraisal Summary\n\nContract Price\nOpinion of Market Value\nMarket Value Condition\n\n$866,000\n$880,000\nSubject to Inspection\n Subject to Repair\n\nReasonable Exposure Time\nEffective Date of Appraisal\n\n30-90 days\n08/07/2019\n\nFinal Value Condition Statement This appraisal is made subject to the itemized list of required inspections below based on the\nextraordinary assumption that the condition or deficiency does not require alteration or repair, and subject to the itemized list of repairs\nrecommended below on the basis of a hypothetical condition that the repairs or alterations have been completed in a professional manner.\nThis might have affected the assignment results.\n"} diff --git a/chunks/json/135013f3d832a2d1810620fd870cdbdf9f7717de34084a5b2dd9a4f51064c138.json b/chunks/json/135013f3d832a2d1810620fd870cdbdf9f7717de34084a5b2dd9a4f51064c138.json new file mode 100644 index 0000000000000000000000000000000000000000..9f9256f3d3f99427ce4f6bf92f5e1a6b7af4caf6 --- /dev/null +++ b/chunks/json/135013f3d832a2d1810620fd870cdbdf9f7717de34084a5b2dd9a4f51064c138.json @@ -0,0 +1 @@ +{"chunk":{"char_end":129515,"char_start":127716,"chunk_id":"chk_e0a9bca54fa133fa","chunk_index":75,"chunk_sha256":"135013f3d832a2d1810620fd870cdbdf9f7717de34084a5b2dd9a4f51064c138","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"135013f3d832a2d1810620fd870cdbdf9f7717de34084a5b2dd9a4f51064c138","token_estimate":450,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Page 4 of 22\nPage 4 of 22\n\nSite (continued)\n\nSite Exhibits\n\nProperty Boundaries\n\nProperty Access (Street Scene)\n\nThis is where the Property Access photo would display.\n\nAppraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1)\n\nUniform Residential Appraisal Report\n\nPage 5 of 22\nPage 5 of 22\n\nSketch\n\nMeasurement Standard\n\nFloor Plan\n\nNot Applicable due to\nproperty type\n\n14'\n\n14'\n\nCvd Balcony\n\n4\n\n'\n\nBedroom\n\nBath\n\nBath\n\n'\n\n1\n4\n\nLiving Room\n\nFirst Floor\n[1,092 Sq. Ft.]\n\nDining Room\n\n3\n7\n\n'\n\nBedroom\n\nKitchen\n\n28'\n\nArea Calculations Summary\n\nSketch Commentary\n\nThe subject’s condominium unit is part of an apartment/multifamily building. The ANSI measurement standard does not apply to apartment/\nmultifamily buildings. Dimensions provided in the floor plan are interior perimeter unit measurements.\n\nAppraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1)\n\nUniform Residential Appraisal Report\n\nPage 6 of 22\nPage 6 of 22\n\nDwelling Exterior\n\nSubject Property Units in\nStructure\nStructure Design\nFloors in Building\nFront Door Elevation\nYear Built\nConverted Area\n\n1\nMid-rise\n8\n8-9 Ft.\n~1973\nNone\n\nMechanical System Details\n\nHeating\n\nCooling\n\nSystem\nForced Warm Air\n\nCentralized\n\nDetail\nNatural Gas\n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior)\n\nNone\n\nDwelling Exterior Commentary\n\nCore Heating System Below Grade\n\nYes No\n \n\nThe structure’s overall condition is adequately maintained, with several areas that have been updated. There were no noticeable areas of\ndefects within the structure that required repairs at the time of inspection.\n"} diff --git a/chunks/json/1355d79f63dc1245e1fee836369c1e03a9aa585c5de85291c1cccb882614be3e.json b/chunks/json/1355d79f63dc1245e1fee836369c1e03a9aa585c5de85291c1cccb882614be3e.json new file mode 100644 index 0000000000000000000000000000000000000000..2db0bcc052708c4d796598deea4c3a60dc4899dc --- /dev/null +++ b/chunks/json/1355d79f63dc1245e1fee836369c1e03a9aa585c5de85291c1cccb882614be3e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10454,"char_start":8809,"chunk_id":"chk_04a4ec0c2c0b0f2a","chunk_index":5,"chunk_sha256":"1355d79f63dc1245e1fee836369c1e03a9aa585c5de85291c1cccb882614be3e","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_64a28141a0390043","text_sha256":"1355d79f63dc1245e1fee836369c1e03a9aa585c5de85291c1cccb882614be3e","token_estimate":411,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/earlycheck-release-notes-2024.pdf"]},"text":"Currently, edit D29 validates the delivery of value\nacceptance SFCs on a loan. Effective August 26, we have\ncreated two new edits to provide more granularity in the\nedit process and direct lenders to the specific SFC that is\nnot valid.\n\n•\n\n•\n\nEdit D324 will validate if SFC 801 is permitted on\nthe loan\nEdit D325 will validate if SFC 807 is permitted on\nthe loan\n\nAug 26\n\nGreen Building\nCertification\n\n7.6.17\n\nAug 26\n\nValue\nAcceptance\n\n7.6.17\n\n© 2025 Fannie Mae\n\nEffective\nDate\n\nImpacted\nArea\n\nVersion\n\nDescription\n\n•\n\nEdit D29 will remain active.\n\nFile\nType\n\nImpact\n\nAug 26\n\nEdit Updates\n\n7.6.17\n\n1 new warning edit for loan limits\n1 edit moving from warning to fatal for lien type\n\nULAD-\nMISMO 3.4\n\n• 1 new warning edit\n• 1 edit with severity change\n\n1 new warning edit for loan limits\n2 edits moving from warning to fatal for lien type and\nHomestyle Renovation\n\nULDD-\nMISMO 3.0\n\n• 1 new warning edit\n• 2 edits with severity change\n\nAug 26\n\nEdit Updates\n\n7.6.17\n\n2 new warning edits for buydown\n\nULDD-\nMISMO 3.0\n\n• 2 new warning edits\n\nSep 23\n\nEdit Updates\n\n7.6.18\n\n1 edit moving from ‘warning to fatal’ to ‘fatal’ for loan\nprogram\n\nULDD –\nMISMO 3.0\n\n• 1 edit with severity change\n\nSep 23\n\nEdit Updates\n\n7.6.18\n\n1 new warning edit for appraisal\n\n1 new warning edit for appraisal\n\n• 1 new warning edit\n\nULAD-\nMISMO 3.4\n\n• 1 new warning edit\n\nOct 21\n\nULDD Phase 5\n\n7.6.19\n\nTo support the third implementation of ULDD phase 5,\nEarlyCheck will:\n\nULDD –\nMISMO 3.0\n\nMove all existing ULDD phase 5 edits from Informational\nto Warning\nNew informational edits around Address, Borrower, Early\nFunding, HMDA, Loan Program, MI\nMessage update for 5 edits\n"} diff --git a/chunks/json/1362abcf716a46fba7b46ea1156990ee4247990b01ef5e1cd63637a3ae9d9ae5.json b/chunks/json/1362abcf716a46fba7b46ea1156990ee4247990b01ef5e1cd63637a3ae9d9ae5.json new file mode 100644 index 0000000000000000000000000000000000000000..c74330d15f7b5a803562cdf97df9c05988a8e240 --- /dev/null +++ b/chunks/json/1362abcf716a46fba7b46ea1156990ee4247990b01ef5e1cd63637a3ae9d9ae5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":572028,"char_start":570216,"chunk_id":"chk_1ef72caeb0a3d4e6","chunk_index":329,"chunk_sha256":"1362abcf716a46fba7b46ea1156990ee4247990b01ef5e1cd63637a3ae9d9ae5","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"1362abcf716a46fba7b46ea1156990ee4247990b01ef5e1cd63637a3ae9d9ae5","token_estimate":453,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"6. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal\nreport.\n\n7. I meet the credential requirements for this assignment as of the date of this appraisal report and have knowledge and experience in\nappraising this type of property in this market area.\n\n8. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing services, tax\nassessment records, public land records, and other such data sources for the area in which the property is located.\n\n9. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from reliable sources\nthat I believe to be true and correct.\n\n10. I personally performed an onsite inspection of the interior and exterior areas of the subject property. I reported the readily observable\ncondition of the improvements in factual, specific terms. I identified and reported any known physical deficiencies that could affect the\nsoundness or structural integrity of the property.\n\n11. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were\nadopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal\nreport was transmitted.\n\n12. Using information available in the normal course of business, I researched, verified, analyzed, and reported on any current agreement for\nsale 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\nthe prior sales of the subject property for a minimum of three years prior to the effective date of this appraisal.\n"} diff --git a/chunks/json/1369509b3f11b4556180737bdfefa9bf7fbcb6c2a8bae38ba0eb3007ab144a60.json b/chunks/json/1369509b3f11b4556180737bdfefa9bf7fbcb6c2a8bae38ba0eb3007ab144a60.json new file mode 100644 index 0000000000000000000000000000000000000000..a876a075ba4004e4ddf4d1d84e2489e3432edef2 --- /dev/null +++ b/chunks/json/1369509b3f11b4556180737bdfefa9bf7fbcb6c2a8bae38ba0eb3007ab144a60.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1057401,"char_start":1055627,"chunk_id":"chk_7c79faa702b3a739","chunk_index":629,"chunk_sha256":"1369509b3f11b4556180737bdfefa9bf7fbcb6c2a8bae38ba0eb3007ab144a60","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1369509b3f11b4556180737bdfefa9bf7fbcb6c2a8bae38ba0eb3007ab144a60","token_estimate":444,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field should be populated if field 1-94 (Site\nZoning Compliance Type = 'Illegal') is\nindicated.\n\nOne and only one of fields 1-96, 1-97 (values of\nHighest and Best Use Indicator) should be\nindicated.\n\nOne and only one of fields 1-96, 1-97 (values of\nHighest and Best Use Indicator) should be\nindicated.\n\nIf utilities are present, at least one of fields 1-\n99, 1-100 (Site Utility Public Indicator = 'Y' or\nSite Utility Non Public Indicator = 'Y') must be\nindicated. If no utilities are present 'None' must\nbe populated in field 1-101 (Site Utility Non\nPublic Description).\nIf utilities are present, at least one of fields 1-\n99, 1-100 (Site Utility Public Indicator = 'Y' or\nSite Utility Non Public Indicator = 'Y') must be\nindicated. If no utilities are present 'None' must\nbe populated in field 1-101 (Site Utility Non\nPublic Description).\nIf field 1-100 (Site Utility Non Public Indicator)\nis indicated, this field is required. If no utilities\nare present 'None' must be populated.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nCR\n\n95\n\n96\n\n97\n\n98\n\n99\n\n100\n\n101\n\n102\n\n103\n\n104\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n89\n\n90\n\n91\n\n92\n\n93\n\n94\n\n95\n\n96\n\n97\n\n98\n\nSITE\n\nSITE\n\nSITE\n\nSITE\n\nSITE\n\nSITE\n\nSITE\n\nSITE\n\n105\n\n1\n\n99\n\nSITE\n\n100\n\nSITE\n\n106\n\n107\n\n1\n\n1\n\n101\n\nSITE\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='\nElectricity']/@_NonPublicDescription\n\n25\n\nString\n\nUAD Requirement - Refer to Appendix D Site Section\nThis field must indicate the source of electric service if present and not public. If no\nelectric service is present, enter 'None ' in the description field.\n"} diff --git a/chunks/json/137b62b0da1791f559cff4e2dfb1c0875fa8198fe0ade36ca3de23d8bea53538.json b/chunks/json/137b62b0da1791f559cff4e2dfb1c0875fa8198fe0ade36ca3de23d8bea53538.json new file mode 100644 index 0000000000000000000000000000000000000000..917f32b873a33f94e73d47ba646c11b4de4d1ece --- /dev/null +++ b/chunks/json/137b62b0da1791f559cff4e2dfb1c0875fa8198fe0ade36ca3de23d8bea53538.json @@ -0,0 +1 @@ +{"chunk":{"char_end":164180,"char_start":162571,"chunk_id":"chk_f41aa0a6854d75b8","chunk_index":92,"chunk_sha256":"137b62b0da1791f559cff4e2dfb1c0875fa8198fe0ade36ca3de23d8bea53538","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"137b62b0da1791f559cff4e2dfb1c0875fa8198fe0ade36ca3de23d8bea53538","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Postponed Improvements\n\nFannie Mae allows the sale of a loan before construction or improvements are complete if certain requirements are met.\n\nThe table below describes requirements related to properties that are new or proposed construction that are not complete when\nthe loan is sold to Fannie Mae.\n\n✓\n\nRequirements for New or Proposed Construction\n\nLoans may be sold before postponed items are complete; however, the postponed improvements must be\ncompleted within 180 days of the note date. Acceptable postponed items include items that:\n\nare part of the sales contract (third-party contracts are not permissible);\nare postponed for a valid reason, such as inclement weather or a shortage of building materials; and\n\n•\n•\n• do not affect the ability to obtain an occupancy permit.\n\nCompletion must be confirmed using a Completion Report or an acceptable completion alternative as described\nabove. All documentation must be retained in the loan file.\n\nThe cost of completing improvements must not represent more than 10% of the “as completed” appraised value\nof the property.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 69 of 166\n\nUAD 3.6 Policy\n\n✓\n\nRequirements for New or Proposed Construction\n\nLenders must establish a completion escrow for the postponed improvements by withholding from the\npurchase proceeds funds equal to 120% of the estimated cost for completing the improvements. However, if the\ncontractor or builder offers a guaranteed fixed-price contract for completion of the improvements, the funds in\nthe completion escrow only need to equal the full amount of the contract price.\n"} diff --git a/chunks/json/137c988d930521c27eb4646e5477bacabe186c2cf137f023b906bfc479999b76.json b/chunks/json/137c988d930521c27eb4646e5477bacabe186c2cf137f023b906bfc479999b76.json new file mode 100644 index 0000000000000000000000000000000000000000..9d2ae5d1c1fc3b5a442c24976f9cdd64b3cb890f --- /dev/null +++ b/chunks/json/137c988d930521c27eb4646e5477bacabe186c2cf137f023b906bfc479999b76.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15013,"char_start":12411,"chunk_id":"chk_d0a5c3593ef29caf","chunk_index":6,"chunk_sha256":"137c988d930521c27eb4646e5477bacabe186c2cf137f023b906bfc479999b76","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4d54dbf7e48638b7","text_sha256":"137c988d930521c27eb4646e5477bacabe186c2cf137f023b906bfc479999b76","token_estimate":771,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Policies___FHFA_g7sbin.md"]},"text":"## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/761\",\"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); })();\n"} diff --git a/chunks/json/138ddaa9811dc36b309a86a09348315f4047911ce3c8e30c6b6c34892e84d2af.json b/chunks/json/138ddaa9811dc36b309a86a09348315f4047911ce3c8e30c6b6c34892e84d2af.json new file mode 100644 index 0000000000000000000000000000000000000000..35aa5010786517c6495e05db72bac54e19accdb7 --- /dev/null +++ b/chunks/json/138ddaa9811dc36b309a86a09348315f4047911ce3c8e30c6b6c34892e84d2af.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10678,"char_start":8794,"chunk_id":"chk_da7d2dcd832a4f86","chunk_index":5,"chunk_sha256":"138ddaa9811dc36b309a86a09348315f4047911ce3c8e30c6b6c34892e84d2af","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d717f80567a593a4","text_sha256":"138ddaa9811dc36b309a86a09348315f4047911ce3c8e30c6b6c34892e84d2af","token_estimate":471,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/display.pdf"]},"text":"UCD Feedback Messages have been updated to reflect a total of 26 edits that will transition to fatal on March 31, 2022.\n\nAdditional Resources:\n\nUniform Closing Dataset Critical Edits Implementation Timeline\n\n© 2022 Fannie Mae\n\nDecember 2022\n\nEffective\nDate\n\nImpacted Area\n\nUCD Critical Edits Matrix\n\nDescription\n\nMarch 17\n\nUCD Critical Edits -\n\nPhase 2\n\nTo further refine UCD Phase 2 data quality, the following edit will revert to only check for null, effective March 17, 2022. The\nedit feedback message is as follows:\n\nImplementation\n\nWarning to Fatal edit 3411: A Cash to Close Total Final Amount is required.\n\nMarch 9\n\nUCD Critical Edits -\n\nPhase 2\n\nImplementation\n\nFebruary 17\n\nUCD Critical Edits -\n\nPhase 1\n\nImplementation\n\nWarning to Fatal edits 3404, 3405, 3406, 3407, 3408, and 3409 will not transition to fatal on March 31, 2022, as originally\nannounced as part of UCD Phase 2.\n\nTo further refine UCD Phase 1 data quality, the following edits will be updated, effective Feb. 17, 2022. The edit feedback\nmessages will be updated to the following:\n\nFatal edit 3015: Annual Percentage Rate is required and must be greater than 0.0%. Data must be numeric up to 3 digits,\nwith up to 4 decimal places.\n\nFatal edit 3311: Regulation Z Total Affiliate Fees Amount is required and must be greater than or equal to 0. Data must\nbe numeric up to 9 digits, with up to 2 decimal places.\n\nFebruary 17\n\nMortgage Insurer\nName Change\n\nAs announced in the Selling Guide announcement (SEL-2021-11), Genworth Mortgage Insurance Corporation is formally\nchanging its name to Enact Mortgage Insurance Corporation, effective Feb. 7, 2022. To support deliveries of Enact-insured\nloans, a new UCD enumerated value, “Enact,” is being is being added to the MICompanyNameTypeOtherDescription field\n(sort ID 894). Beginning Feb. 17, 2022, lenders can submit files with Enact as the Mortgage Insurer name.\n"} diff --git a/chunks/json/13a05d1ce46a2908507c9d733d6470de1dafab81680a10423a84fd77590a2c91.json b/chunks/json/13a05d1ce46a2908507c9d733d6470de1dafab81680a10423a84fd77590a2c91.json new file mode 100644 index 0000000000000000000000000000000000000000..6b4747c974105b948611144cf9c4b1109d909db0 --- /dev/null +++ b/chunks/json/13a05d1ce46a2908507c9d733d6470de1dafab81680a10423a84fd77590a2c91.json @@ -0,0 +1 @@ +{"chunk":{"char_end":34890,"char_start":34260,"chunk_id":"chk_a4b1522cdcdd43ce","chunk_index":24,"chunk_sha256":"13a05d1ce46a2908507c9d733d6470de1dafab81680a10423a84fd77590a2c91","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6fb273234d375c90","text_sha256":"13a05d1ce46a2908507c9d733d6470de1dafab81680a10423a84fd77590a2c91","token_estimate":215,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-numbered-closing-disclosure.pdf"]},"text":"23.3 NMLS ID\n\n23.4 ST License ID\n\n23.5 Contact\n\n23.6 Contact NMLS ID\n\n23.7 Contact __ License ID\n\n23.8 Email\n\n23.9 Phone\n\n23.0.1 Lender\n23.1.1\n\n23.0.2 Mortgage Broker\n23.1.2\n\n23.0.5 Settlement Agent\n23.1.5\n\n23.2.1\n\n23.3.1\n\n23.5.1\n\n23.6.1\n\n23.8.1\n\n23.9.1\n\n23.2.2\n\n23.3.2\n\n23.5.2\n\n23.6.2\n\n23.8.2\n\n23.9.2\n\n23.2.5\n\n23.4.5\n\n23.5.5\n\n23.7.5\n\n23.8.5\n\n23.9.5\n\nConfirm Receipt\n\n24.0\n\nBy signing, you are only confirming that you have received this form. You do not have to accept this loan because you have signed or received\nthis form.\n\nApplicant Signature\n\nDate\n\nCo-Applicant Signature\n\nDate\n\nCLOSING DISCLOSURE\n\nPAGE 4 OF 5 ▪ LOAN ID #\n"} diff --git a/chunks/json/13a50cedee99b798b9042d76f2c37e53f4b2f701119edf1558716356a9338f2e.json b/chunks/json/13a50cedee99b798b9042d76f2c37e53f4b2f701119edf1558716356a9338f2e.json new file mode 100644 index 0000000000000000000000000000000000000000..2ed699798778d0b5641b9d17a729c71becffd3d7 --- /dev/null +++ b/chunks/json/13a50cedee99b798b9042d76f2c37e53f4b2f701119edf1558716356a9338f2e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":6944,"char_start":5340,"chunk_id":"chk_49e5f55d6900d891","chunk_index":3,"chunk_sha256":"13a50cedee99b798b9042d76f2c37e53f4b2f701119edf1558716356a9338f2e","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_9527361ec65b3f48","text_sha256":"13a50cedee99b798b9042d76f2c37e53f4b2f701119edf1558716356a9338f2e","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/display (1).pdf"]},"text":"•\n\n•\n\n•\n\nLoan Information\n\nLoan Disclosures\n\nEscrow Account Loan Calculations\n\n• GSE Specific\n\n• GSE Regulation Z\n\n• Payoffs and Payment\n\nJune 28, 2021\n\nUCD Critical Edits -\nPhase 1\nImplementation\n\nAs announced on August 11, 2020, Fannie Mae will be transitioning UCD edits from “warning” to a “fatal” severity over the\nnext two years. In preparation for the transition to fatal edits, lenders should review all feedback messages returned by the\nUCD Collection Solution and resolve any issues, particularly those relating to future fatal edits.\n\nThe UCD Test Environment has been updated for Phase 2 edits. Review the UCD Edit Feedback Messages – Phase 2 Edits\nTab for a listing of the Phase 2 edit updates (total of 35 edits) including:\n\n•\n•\n\n11 existing edits transition from warning to warning-to-fatal\n24 new warning-to-fatal edits\n\nJune 7, 2021\n\nUCD Critical Edits -\nPhase 1\nImplementation\n\nFannie Mae will include additional message text for the existing Phase 1 edits that will transition from “warning” to “fatal”\nin the UCD Collection Solution. The additional text will highlight the official transition date that the edit will go “fatal”\nin UCD Production. Phase 1 of the transition will begin on July 31, 2021 and is designed to enhance data quality and\nconsistency for single-family loans the GSEs purchase. Refer to the UCD Critical Edits Implementation Timeline. In\npreparation for the transition to fatal edits, lenders should review all feedback messages returned by the UCD\nCollection Solution and resolve any issues, particularly those relating to future fatal edits.\n\n© 2021 Fannie Mae\n"} diff --git a/chunks/json/13b1eacb4255f21cdb8be4ec1339d367504796c6a7da87363c6d45b973a85d92.json b/chunks/json/13b1eacb4255f21cdb8be4ec1339d367504796c6a7da87363c6d45b973a85d92.json new file mode 100644 index 0000000000000000000000000000000000000000..f812d747ae5178970d0def289e824643458ad802 --- /dev/null +++ b/chunks/json/13b1eacb4255f21cdb8be4ec1339d367504796c6a7da87363c6d45b973a85d92.json @@ -0,0 +1 @@ +{"chunk":{"char_end":358296,"char_start":356690,"chunk_id":"chk_2ab70db85ec7dbe3","chunk_index":207,"chunk_sha256":"13b1eacb4255f21cdb8be4ec1339d367504796c6a7da87363c6d45b973a85d92","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"13b1eacb4255f21cdb8be4ec1339d367504796c6a7da87363c6d45b973a85d92","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Page 17 of 20\n\nCost Approach (continued)\n\nSite Value\n\nPrimary Site Valuation Method Sales Comparison Opinion of Site Value\n\n$38,500\n\nLand Comparables\n\n#\n1\n\n2\n\n3\n\n4\n\nAddress\n234183 Starmind Dr\nSomecity, TN 12345\n\nCounty\nAlpine\n\nData Source\nMLS W12348\n\nAssessor Parcel\nNumber (APN)\nERW 10149852 - 12\n\nSite Size\n12,632 Sq. Ft.\n\nSale Date\n04/15/2021\n\nPrice\n$32,000\n\n105853 Gao St\nSomecity, TN 12345\n\n124383 Whitecrest\nRd\nSomecity, TN 12345\n\n235813 Anywhere\nSt\nSomecity, TN 12345\n\nAlpine\n\nAlpine\n\nMLS W19434\n\nERW 13249582 - 12\n\n17,424 Sq. Ft.\n\n11/12/2021\n\n$49,900\n\nMLS W58278\n\nERW 12354823 - 13\n\n12,462 Sq. Ft.\n\n07/15/2021\n\n$25,500\n\nAlpine\n\nSubject Sale\n\nERW 14885329 - 23\n\n14,000 Sq. Ft.\n\n06/16/2019\n\n$38,500\n\nReconciliation of Site Value The land sale comparables were selected from sales of unimproved sites suitable for manufactured homes\nlocated within the subject’s market area. Comparables #1 ($2.53 per square foot) and #2 ($2.86 per square foot) received most weight\ndue to comparability in size and location within a mile of recreational areas that are similar to the park that is a half mile from the subject.\nComparable #3 ($2.00 per square foot) received least weight as it does not have access to public utilities and is located within a half of mile of\na landfill facility. The subject’s land sale in 2019 (comparable #4) was also taken into consideration. The subject’s site was valued at $2.70 per\nsquare foot.\n\nGeneral Description\n\nCost Type\nCost Data Source\nQuality Rating\nEffective Date\n\nReplacement\nMarshall & Swift\nGood\n06/01/2021\n\nCost Approach Commentary\n\nCost Method\nDepreciation Method\n"} diff --git a/chunks/json/13b940f64dfab1c962724d62c41026784b74520812234945c2412c61d4110c2e.json b/chunks/json/13b940f64dfab1c962724d62c41026784b74520812234945c2412c61d4110c2e.json new file mode 100644 index 0000000000000000000000000000000000000000..d6ccf8eb7c4549f15d516660597ffea9c2db1107 --- /dev/null +++ b/chunks/json/13b940f64dfab1c962724d62c41026784b74520812234945c2412c61d4110c2e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":279773,"char_start":278175,"chunk_id":"chk_a05f3d3afbcd6dc7","chunk_index":161,"chunk_sha256":"13b940f64dfab1c962724d62c41026784b74520812234945c2412c61d4110c2e","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"13b940f64dfab1c962724d62c41026784b74520812234945c2412c61d4110c2e","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Water Frontage with Private Access\n\nTotal Linear Measurement\n\n40 Ft.\n\nPermanent Waterfront Feature\n\nDock\nPier\n\nFrontage\nLake\n\nName\nLake Virginia\n\nWaterfront Access Rights\nBy Permit\n\nAccess Depth\nShallow Water\n\nView and Impact to Value/Marketability\n\nView\nLake (Primary)\n\nHigh Voltage Power Lines\n\nWoods\n\nRange of View\nFull\n\nSeasonal\n\nPartial\n\nImpact\nBeneficial\n\nAdverse\n\nNeutral\n\nView Commentary Wooded views are typical in the market. High voltage power lines easement at edge of property can be viewed during\nwinter months.\n\nSite Features and Impact to Value/Marketability\n\nFeature\nNon-Residential Property Use\n\nDetail\nAgricultural\n\nHazard Zone\n\nNo Hazard Zone Noted\n\nProperty Restriction\n\nLand Use\n\nSite Characteristic\n\nTopography | Flat\n\nUtilities and Impact to Value/Marketability\n\nBroadband Internet Available\n\nYes\n\nElectricity\n\nGas\n\nSanitary Sewer\n\nWater\n\nPublic\n\n\nPrivate\n\nDetail\n\n\n\n\n\nSeptic\n\nWell\n\nImpact\nNeutral\n\nNeutral\n\nNeutral\n\nComment\nBoard fencing around entire property to the barn.\n\nQuarter acre lot cannot be built on nor can it be separated\nand sold.\n\nPrivate Utility\nImpact\n\nComment\n\nNeutral\n\nNeutral\n\nAdverse\n\nPropane is typical to the market.\n\nSeptic is typical to the market.\n\nPublic water is available at the street. Local water\ncompany charges $2,500 to install the meter. Public\nwater is typical to market.\n\nAppraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1)\n\nUniform Residential Appraisal Report\n\nPage 4 of 30\nPage 4 of 30\n\nIf more\n\nthan 1\n\nUnit--\n\ndifferent\n"} diff --git a/chunks/json/13c502055e4591966c88c361ee2846c06f53039da0133d083d057f639b5b6ce2.json b/chunks/json/13c502055e4591966c88c361ee2846c06f53039da0133d083d057f639b5b6ce2.json new file mode 100644 index 0000000000000000000000000000000000000000..f859709a754527efced863e657bf781d23b3438c --- /dev/null +++ b/chunks/json/13c502055e4591966c88c361ee2846c06f53039da0133d083d057f639b5b6ce2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13720,"char_start":12101,"chunk_id":"chk_646dbbbfc6276727","chunk_index":8,"chunk_sha256":"13c502055e4591966c88c361ee2846c06f53039da0133d083d057f639b5b6ce2","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_698a10a0e5f6da7f","text_sha256":"13c502055e4591966c88c361ee2846c06f53039da0133d083d057f639b5b6ce2","token_estimate":402,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Hybrid_70H.pdf"]},"text":"40\n\nIndicated Value by Income Approach\n\nINCOME APPROACH TO VALUE (not required by Fannie Mae)\n\nPROJECT INFORMATION FOR PUDs (if applicable)\n\n42\n\nIs the developer/builder in control of the Homeowners’ Association (HOA)? Yes No Unit type(s) Detached\nProvide the following information for PUDs ONLY if the developer/builder is in control of the HOA and the subject property is an attached dwelling unit.\nLegal name of project 46\nTotal number of phases 47\nTotal number of units rented 50\nWas the project created by the conversion of an existing building(s) into a PUD? Yes\nDoes the project contain any multi-dwelling units? Yes No Data source(s) 58\nAre the units, common elements, and recreation facilities complete? Yes No If No, describe the status of completion. 61\n\nTotal number of units sold\nData source(s)\n53\n\n48\nTotal number of units\nTotal number of units for sale\n\nNo If Yes, date of conversion 55\n54\n\nAttached\n45\n\n52\n\n49\n\n51\n\n44\n\n43\n\n60\n\n57\n\n56\n\n59\n\nAre the common elements leased to or by the Homeowners’ Association? Yes No If Yes, describe the rental terms and options. 64\n\n63\n\n62\n\nDescribe common elements and recreational facilities 65\n\nFreddie Mac Form 70H July 2020\n\n226\n\nPage 3 of 6\n\nFannie Mae Form 1004 Hybrid July 2020\n\n2\n\nUniform Residential Appraisal Report (Hybrid)\n\nFile # 3\n\n4 4a\n\nThis report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit; including a\nunit in a planned unit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit\nin a condominium or cooperative project.\n"} diff --git a/chunks/json/13c8fb143b0892757731c7cc1b9630c44dcfa5880776129c28cbdc49df5c7e32.json b/chunks/json/13c8fb143b0892757731c7cc1b9630c44dcfa5880776129c28cbdc49df5c7e32.json new file mode 100644 index 0000000000000000000000000000000000000000..ee554d3feba356fb8ee8ddef1b469080effefb86 --- /dev/null +++ b/chunks/json/13c8fb143b0892757731c7cc1b9630c44dcfa5880776129c28cbdc49df5c7e32.json @@ -0,0 +1 @@ +{"chunk":{"char_end":464219,"char_start":462581,"chunk_id":"chk_3c77f67410d357c9","chunk_index":272,"chunk_sha256":"13c8fb143b0892757731c7cc1b9630c44dcfa5880776129c28cbdc49df5c7e32","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"13c8fb143b0892757731c7cc1b9630c44dcfa5880776129c28cbdc49df5c7e32","token_estimate":410,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"T\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 93 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\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\n1073/465\n\nData Field\nConditionality 1073\nHybrid/465H\n\nData Field\nConditionality 1073\nDesktop/465D\n\n174\n\n1\n\n167\n\nPROJECT\nINFORMATION\n\nIf Project Incomplete\n# of Units Sold\n\nUnits Sold Count Total number of living units sold.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='Incomplete']/@UnitsSoldCount\n\n175\n\n1\n\n168\n\nPROJECT\nINFORMATION\n\nIf Project Incomplete\n# of Units Rented\n\nUnits Rented\nCount\n\nTotal number of living units rented.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='Incomplete']/@UnitsRentedCount\n\n176\n\n1\n\n169\n\nPROJECT\nINFORMATION\n\nIf Project Incomplete\n# of Owner Occupied Units\n\nOwner Occupied\nUnit Count\n\nThe number of units occupied by their\nowners.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE\n[@_Type='Incomplete']/@OwnerOccupiedUnitCount\n\n177\n\n178\n\n179\n\n180\n\n181\n\n182\n\n183\n\n184\n\n185\n\n186\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n170\n\n171\n\n172\n\n173\n\n174\n\n175\n\n176\n\n177\n\nPROJECT\nINFORMATION\n\nProject Primary Occupancy\nPrinciple Residence\n\nProject Primary\nOccupancy Type\n\nSpecifies the primary type of occupancy of\nthe Project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_PrimaryOccupancyType\n='PrincipleResidence']\n\nPROJECT\nINFORMATION\n\nProject Primary Occupancy\nSecond Home or Recreational\n"} diff --git a/chunks/json/13d393a69a1c3efc6223ccb2571804823c18c587d1e81c3b2f9b2700dca721da.json b/chunks/json/13d393a69a1c3efc6223ccb2571804823c18c587d1e81c3b2f9b2700dca721da.json new file mode 100644 index 0000000000000000000000000000000000000000..4fe5f55a44a8de6704c499fed960c66cd3786696 --- /dev/null +++ b/chunks/json/13d393a69a1c3efc6223ccb2571804823c18c587d1e81c3b2f9b2700dca721da.json @@ -0,0 +1 @@ +{"chunk":{"char_end":722238,"char_start":720584,"chunk_id":"chk_5a49307e56eae389","chunk_index":430,"chunk_sha256":"13d393a69a1c3efc6223ccb2571804823c18c587d1e81c3b2f9b2700dca721da","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"13d393a69a1c3efc6223ccb2571804823c18c587d1e81c3b2f9b2700dca721da","token_estimate":414,"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\nDollar amount\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nThe reason the Income Approach was not developed for this appraisal.\n•\n•\n•\n\nInsufficient Data\nNot Necessary for Credible Results\nOther (Describe)\n\nNote: For further commentary, use Reconciliation of Market Value (26.019).\n\nIf applicable, Indicated Value by Cost Approach (25.000) populates from the\nCost Approach section.\n\nThe reason the Cost Approach was not developed for this appraisal.\n•\n•\n•\n•\n\nDifficulty Estimating Depreciation\nLack of Land Sales\nNot Necessary for Credible Results\nOther (Describe)\n\nNote: For further commentary, use Reconciliation of Market Value (26.019).\n\nAppendix F-1: URAR Reference Guide\n\nPage 323 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n26 Reconciliation\n\nAppraisal Summary\n\nContract Price and Opinion of Market Value\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nReconciliation: Appraisal Summary – Contract Price and Opinion of Market Value\n\n26.006 Contract Price\n\nDisplays when Sales\nContract Information\nAnalyzed is Yes\n\nDollar amount\n\nIf applicable, Contract Price (20.005) redisplays from the Sales Contract section.\n\n26.007 Opinion of\n\nAlways required\n\nDollar amount\n\nMarket value as defined in the report.\n\nMarket Value\n\nCooperatives\n\nReconciliation: Appraisal Summary - Cooperatives\n\nReport Label\n\nWhen to Include\n\nReport\nField ID\n\n26.074\n\n(Cooperative\nInterest)\n\nDisplays next to\nOpinion of Market\nValue when the\nproperty is in a\ncooperative or condop\n"} diff --git a/chunks/json/13eec9787a73db8d0640bea311681f0cbaa08b9d01f782678f9464940a0bc8a9.json b/chunks/json/13eec9787a73db8d0640bea311681f0cbaa08b9d01f782678f9464940a0bc8a9.json new file mode 100644 index 0000000000000000000000000000000000000000..84492bcd35ec3293d9742f4bce24eee889d64b88 --- /dev/null +++ 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Features\n\nFeature\nFlooring\n\nWalls and Ceiling\n\nOverall Update Status for\nFlooring\n\nDetail\nCarpet\n\nCeramic Tile\n\n8 Ft. | Flat\n\nNot Updated\n\nQuality Comment\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nCondition Comment\n\nApparent Defects, Damages, Deficiencies (Unit Interior - Building 1 - Unit C)\n\nNone\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2\n\nUniform Residential Appraisal Report\n\nPage 10 of 26\n\nUnit Interior - Building 1 - Unit C (continued)\n\nUnit Interior Exhibits\n\nLevel 1 - Bath - Full - Bath 1\n\nLevel 1 - Bath - Full - Bath 2\n\nThis is where the Unit C Bath 1 photo would display.\n\nThis is where the Unit C Bath 2 photo would display.\n\nLevel 1 - Bedroom - Bedroom 1\n\nLevel 1 - Bedroom - Bedroom 2\n\nThis is where the Unit C Bedroom 1 photo would display.\n\nThis is where the Unit C Bedroom 2 photo would display.\n\nLevel 1 - Dining Room\n\nLevel 1 - Kitchen\n\nThis is where the Unit C Dining Room photo would display.\n\nThis is where the Unit C Kitchen photo would display.\n\nLevel 1 - Living Room\n\nThis is where the Unit C Living Room photo would display.\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2\n"} diff --git a/chunks/json/13f66fb0e70ed57af7142399a1d0091e1764765edb6ce3c56b5574e765d202b8.json b/chunks/json/13f66fb0e70ed57af7142399a1d0091e1764765edb6ce3c56b5574e765d202b8.json new file mode 100644 index 0000000000000000000000000000000000000000..17962393647bdc67d25a77fb92551c425ef87b79 --- /dev/null +++ b/chunks/json/13f66fb0e70ed57af7142399a1d0091e1764765edb6ce3c56b5574e765d202b8.json @@ -0,0 +1 @@ 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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.\n\n[Help Center](https://help.x.com/using-x/x-supported-browsers)\n\n[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.\n"} diff --git a/chunks/json/140667b5ea37bef20f872af9b8f7587f5dafadfa5e90a2faecef583a71d52394.json b/chunks/json/140667b5ea37bef20f872af9b8f7587f5dafadfa5e90a2faecef583a71d52394.json new file mode 100644 index 0000000000000000000000000000000000000000..d5a639adf9b40789fca35db0e7c6f84c9a52ce99 --- /dev/null +++ b/chunks/json/140667b5ea37bef20f872af9b8f7587f5dafadfa5e90a2faecef583a71d52394.json @@ -0,0 +1 @@ +{"chunk":{"char_end":14692,"char_start":13502,"chunk_id":"chk_8f67eb4c6a3923bc","chunk_index":7,"chunk_sha256":"140667b5ea37bef20f872af9b8f7587f5dafadfa5e90a2faecef583a71d52394","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_098d490ea3341c33","text_sha256":"140667b5ea37bef20f872af9b8f7587f5dafadfa5e90a2faecef583a71d52394","token_estimate":407,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Mortgage_Translations___FHFA_vcix9l.md"]},"text":"*Last updated: January 6, 2025​*\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n"} diff --git a/chunks/json/140759d02f2dae4e859f2b029708feea7073511d50e71384efd60046f97db881.json b/chunks/json/140759d02f2dae4e859f2b029708feea7073511d50e71384efd60046f97db881.json new file mode 100644 index 0000000000000000000000000000000000000000..77f7430d0c853e70c083be65ad616bff6496366e --- /dev/null +++ b/chunks/json/140759d02f2dae4e859f2b029708feea7073511d50e71384efd60046f97db881.json @@ -0,0 +1 @@ +{"chunk":{"char_end":7303,"char_start":7015,"chunk_id":"chk_c2450f4f085b75df","chunk_index":4,"chunk_sha256":"140759d02f2dae4e859f2b029708feea7073511d50e71384efd60046f97db881","date_utc":"2026-01-27T18:29:44+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_34e15208986a1b11","text_sha256":"140759d02f2dae4e859f2b029708feea7073511d50e71384efd60046f97db881","token_estimate":72,"warnings":["source_path=Appendix-D-3 Completion Report Sample Scenarios and XML Files/Appendix D-3 CR1_CompletionReport/_.pdf/CR1_CompletionReport_v1.2.pdf","below_target_min_tokens"]},"text":"Signature\n\nAppraiser\nAmy Appraiser\nAmy Appraiser\n\n08/21/2009\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nLicensed Residential\n3333333333\nMD\n10/21/2010\n\nAppraiser Reference ID LN32942301 Client Reference ID 456-8124 Completion Version #1Fannie Mae | Freddie Mac September 2024\n"} diff --git a/chunks/json/1417fd8cc75c89eb1f4c4971abcf313378e20f74dd5837f538f8ade25d5ac95f.json b/chunks/json/1417fd8cc75c89eb1f4c4971abcf313378e20f74dd5837f538f8ade25d5ac95f.json new file mode 100644 index 0000000000000000000000000000000000000000..feb54a8aaac66020b56297ae0ef776526068cf44 --- /dev/null +++ b/chunks/json/1417fd8cc75c89eb1f4c4971abcf313378e20f74dd5837f538f8ade25d5ac95f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11462,"char_start":10352,"chunk_id":"chk_037ca570a8401bb6","chunk_index":6,"chunk_sha256":"1417fd8cc75c89eb1f4c4971abcf313378e20f74dd5837f538f8ade25d5ac95f","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5caeed6ac2d5622f","text_sha256":"1417fd8cc75c89eb1f4c4971abcf313378e20f74dd5837f538f8ade25d5ac95f","token_estimate":401,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 2055.pdf"]},"text":"C\nO\nM\nM\nE\nN\nT\nS\n\nC\nO\nS\nT\n\nA\nP\nP\nR\nO\nA\nC\nH\n\nProvide adequate information for the lender/client to replicate the below cost figures and calculations.\nSupport for the opinion of site value (summary of comparable land sales or other methods for estimating site value) 6\n\nCOST APPROACH TO VALUE (not required by Fannie Mae)\n\n7\n\n8\n\nESTIMATED REPRODUCTION OR REPLACEMENT COST NEW\nSource of cost data 9\nQuality rating from cost service 10\nComments on Cost Approach (gross living area calculations, depreciation, etc.)\n12\n\nEffective date of cost data 11\n\nOPINION OF SITE VALUE........................................................= $ 14\n............=$ 17\nDwelling 15\nSq. Ft. @ $ 16\nSq. Ft. @ $ 20\n18 19\n............=$ 21\n 23\n22\n............=$ 26\nGarage/Carport 24\nSq. Ft. @ $ 25\n...........= $ 27\nTotal Estimate of Cost-New\nLess\nDepreciation\nDepreciated Cost of Improvements ............................................=$ 35\n“As-is” Value of Site Improvements. ...........................................=$ 36\n\nFunctional\n31\n\nPhysical\n 29\n\nExternal\n 33 =$( 34 )\n\nEstimated Remaining Economic Life (HUD and VA only) 13\n"} diff --git a/chunks/json/14187005b8838f816345fcd52f29bc4d8e950acc843b9950b910555d6ff7e9d4.json b/chunks/json/14187005b8838f816345fcd52f29bc4d8e950acc843b9950b910555d6ff7e9d4.json new file mode 100644 index 0000000000000000000000000000000000000000..558b85cabfa5de7a0f2c02bf90cebfbe2f6b3313 --- /dev/null +++ b/chunks/json/14187005b8838f816345fcd52f29bc4d8e950acc843b9950b910555d6ff7e9d4.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5315,"char_start":5093,"chunk_id":"chk_313eb7f96a3a06e8","chunk_index":3,"chunk_sha256":"14187005b8838f816345fcd52f29bc4d8e950acc843b9950b910555d6ff7e9d4","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6f6d7ced83910f89","text_sha256":"14187005b8838f816345fcd52f29bc4d8e950acc843b9950b910555d6ff7e9d4","token_estimate":56,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/master-servicing-payment-deferral-release-notes.pdf","below_target_min_tokens"]},"text":"Fannie Mae Connect Help Center\n\nLender Letter LL-2020-07 COVID-19 Payment Deferral\n\nLender Letter LL-2020-05 Payment Deferral\n\nPayment Deferral Matrix\n\nImpact of COVID-19 on Servicing\n\n© 2020 Fannie Mae 7.1.20 Page 3 of 3\n"} diff --git a/chunks/json/141a6b3234afee6ac078589b77d1f609e24d843c0fef7192c9ce778fd896f8ee.json b/chunks/json/141a6b3234afee6ac078589b77d1f609e24d843c0fef7192c9ce778fd896f8ee.json new file mode 100644 index 0000000000000000000000000000000000000000..e87981ddaefd7420f8e6289908f07d90cef17d6a --- /dev/null +++ b/chunks/json/141a6b3234afee6ac078589b77d1f609e24d843c0fef7192c9ce778fd896f8ee.json @@ -0,0 +1 @@ +{"chunk":{"char_end":13676,"char_start":12368,"chunk_id":"chk_680b35d3c456d1f7","chunk_index":7,"chunk_sha256":"141a6b3234afee6ac078589b77d1f609e24d843c0fef7192c9ce778fd896f8ee","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6cc087c08f0855a5","text_sha256":"141a6b3234afee6ac078589b77d1f609e24d843c0fef7192c9ce778fd896f8ee","token_estimate":443,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Neighborhood_Stabilization_Initiative__NSI____FHFA_60i2ek.md"]},"text":"Image\n\n![NSI Timeline](/sites/default/files/styles/large/public/2023-06/nsi_timeline_1.png?itok=SMAxFF3Y)\n\n*Page last updated: August 25, 2022*​​​​\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n"} diff --git a/chunks/json/142d1dae593f118f66f4c969e53cb9d1c98d31111f723b1273b7dde7a9c4950f.json b/chunks/json/142d1dae593f118f66f4c969e53cb9d1c98d31111f723b1273b7dde7a9c4950f.json new file mode 100644 index 0000000000000000000000000000000000000000..a0ef5d233cb20d5aac79dc0f9855a68779c6591b --- /dev/null +++ b/chunks/json/142d1dae593f118f66f4c969e53cb9d1c98d31111f723b1273b7dde7a9c4950f.json @@ -0,0 +1 @@ +{"chunk":{"char_end":736143,"char_start":734501,"chunk_id":"chk_d25b2acc55800b2e","chunk_index":436,"chunk_sha256":"142d1dae593f118f66f4c969e53cb9d1c98d31111f723b1273b7dde7a9c4950f","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"142d1dae593f118f66f4c969e53cb9d1c98d31111f723b1273b7dde7a9c4950f","token_estimate":411,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"R\n\n94\n\n1\n\ne-6\n\nPROJECT SITE\n\nView\n\n(View Type)\n\nGSE View Type\n\nThe type of view associated with the\nproperty.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_V\nIEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL_EXTENSION_\nSECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_DATA\n/COMPARISON_VIEW_DETAIL[@_SequenceIdentifier='1..2']/@GSEViewTyp\ne\n\n19\n\nEnumerated\n\nAllowable Values PDF Display\nWaterView Wtr\nPastoralView Pstrl\nWoodsView Woods\nParkView Prk\nGolfCourseView Glfvw\nCityViewSkylineView CtySky\nMountainView Mtn\nResidentialView Res\nCityStreetView CtyStr\nIndustrialView Ind\nPowerLines PwrLn\nLimitedSight LtdSght\nOther *\n\n*See field e-7 directly below.\n\n95\n\n96\n\n97\n\n98\n\n99\n\n1\n\n1\n\n1\n\n1\n\n1\n\n90\n\n91\n\n92\n\n93\n\ne-7\n\nPROJECT SITE\n\nView\n\n(View Type Other Description)\n\nGSE View Type\nOther Description\n\nThe type of view associated with the\nproperty if other is selected.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_V\nIEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL_EXTENSION_\nSECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_DATA\n/COMPARISON_VIEW_DETAIL[@GSEViewType='Other']/@GSEViewTypeOt\nherDescription\n\nPROJECT SITE\n\nSpecific Zoning Classification\n\nPROJECT SITE\n\nZoning Description\n\nSite Zoning\nClassification\nIdentifier\n\nSite Zoning\nClassification\nDescription\n\nIdentifies the zoning classification applied\nto the site.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/@_ZoningClassificationIdentifie\nr\n"} diff --git a/chunks/json/1438ab70a7b8c78d6cc3ffca82ebe7d67b74618f0b918c3c461bd904734d0ad5.json b/chunks/json/1438ab70a7b8c78d6cc3ffca82ebe7d67b74618f0b918c3c461bd904734d0ad5.json new file mode 100644 index 0000000000000000000000000000000000000000..63aa2707fa914795f3379d046c7d75a5bd3691a7 --- /dev/null +++ b/chunks/json/1438ab70a7b8c78d6cc3ffca82ebe7d67b74618f0b918c3c461bd904734d0ad5.json @@ -0,0 +1 @@ +{"chunk":{"char_end":50526,"char_start":48461,"chunk_id":"chk_e4fe44fae038998e","chunk_index":26,"chunk_sha256":"1438ab70a7b8c78d6cc3ffca82ebe7d67b74618f0b918c3c461bd904734d0ad5","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"1438ab70a7b8c78d6cc3ffca82ebe7d67b74618f0b918c3c461bd904734d0ad5","token_estimate":517,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"8. Multifamily: Occupancy\n\nThis HMDA data element identifies\nwhether the property to which the loan\nrelates is to be owner-occupied as a\nprincipal residence. This data field is\nnot relevant to the PUDB multifamily\nCensus Tract File because the PUDB\nreports data for single-family and\nmultifamily loans in separate files, and\nmultifamily properties, by definition,\n\nare occupied by renters and thus not\nowner-occupied.\n\n9. Multifamily: Type of Property\n\nThis HMDA data element identifies\nthe type of property securing the loan\nmade by the HMDA-reporting lender.\nThis data element is not relevant to the\nEnterprise PUDB multifamily Census\nTract File because the PUDB reports\ndata for single-family and multifamily\nloans in separate files and, therefore, all\nloans in the multifamily files are, by\ndefinition, secured by multifamily\nproperties.\n\nE. Technical Revisions to Data Fields in\nthe PUDB Matrices\n\n1. Conforming to Long-Standing PUDB\nReporting Practice or Providing Greater\nClarity\n\nFHFA has made technical revisions to\ncertain data fields in the PUDB matrices\nto conform the data fields to long-\nstanding PUDB data reporting practice\nor provide greater clarity, as further\ndiscussed below.\n\na. Single-Family and Multifamily Data\nField 1: Loan Number\n\nThis data field designates the\n\nsequence number assigned by FHFA in\nthe PUDB files that corresponds to the\nloan number assigned by the Enterprise.\nFHFA has changed the description of\nthis data field to conform the\ndescription to the long-standing practice\nof using randomly generated sequence\nnumbers (and not random numbers as\nthe previous description suggested) to\nidentify Enterprise mortgage loan\npurchases in the PUDB. Each loan\nrecord is assigned a different sequence\nnumber that is randomly generated\nwithin each file. Thus, the first loan\nrecord in the Census Tract File is not\nalso the first loan record in the National\nFile A or National File B with a very\nhigh degree of probability. A similar\nchange to the description of this data\nelement has been made in data field 1\nof the multifamily matrix.\n"} diff --git a/chunks/json/1445560a7b7d293f80d280aff4addf2731619e917903202c97e905926a73786d.json b/chunks/json/1445560a7b7d293f80d280aff4addf2731619e917903202c97e905926a73786d.json new file mode 100644 index 0000000000000000000000000000000000000000..e954fa43ad15738a2d6513462e3cec040f2ba402 --- /dev/null +++ b/chunks/json/1445560a7b7d293f80d280aff4addf2731619e917903202c97e905926a73786d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":717294,"char_start":715454,"chunk_id":"chk_ed175f2826414427","chunk_index":427,"chunk_sha256":"1445560a7b7d293f80d280aff4addf2731619e917903202c97e905926a73786d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"1445560a7b7d293f80d280aff4addf2731619e917903202c97e905926a73786d","token_estimate":460,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"The methodology used to derive depreciated building cost in the Cost\nApproach section.\n\nAllowable Answer\n\nComparative Unit\n\nQuantity Survey\n\nUnit in Place\n\nCost Method (Choose one)\n\nDefinition / Additional Guidance\n\nA method used to derive a cost estimate in terms of dollars per unit of area, or volume, based on known cost of similar\nstructures that are adjusted for time, and physical differences. The cost estimate is then applied to the total building area.\nAlso known as Square Foot Method or Market Extraction Method.\n\nA cost-estimating method used to derive the total cost of labor and materials for each individual item used in the\nconstruction of the improvements (e.g., nails, drywall, bricks, mortar).\n\nA cost-estimating method in which total building cost is estimated by adding together the unit cost for various building\ncomponents as installed. Also known as Segregated Cost Method.\n\nOther (Describe)\n\nSelect Other to enter an answer that is not in the above list.\n\nAllowable Answer\n\nBreakdown\n\nDepreciation Method (Choose one)\n\nDefinition / Additional Guidance\n\nA method of estimating depreciation in which the total loss in the value of the property is estimated by analyzing and\nmeasuring each cause of depreciation (physical, functional and external) separately.\n\nEconomic Age-Life\n\nA method of estimating depreciation in which the ratio between the effective age of the building and its total economic\nlife is applied to its current cost of improvements to obtain a lump-sum deduction. Also known as Age-Life.\n\nModified Economic Age-Life\n\nA method of estimating depreciation, in which curable physical and functional depreciation are deducted from the cost of\nimprovements before Economic Age-Life ratios are applied. Total depreciation is the sum of the accumulated curable\nelements and the Economic Age-Life lump sum.\n"} diff --git a/chunks/json/144a7d90eaea6dfd8fff08428b63b706b9e3c299bc9dc50aa72a72a7633005bc.json b/chunks/json/144a7d90eaea6dfd8fff08428b63b706b9e3c299bc9dc50aa72a72a7633005bc.json new file mode 100644 index 0000000000000000000000000000000000000000..0b33f6d64911baf704531d800c5673dc650177d3 --- /dev/null +++ b/chunks/json/144a7d90eaea6dfd8fff08428b63b706b9e3c299bc9dc50aa72a72a7633005bc.json @@ -0,0 +1 @@ +{"chunk":{"char_end":16851,"char_start":15624,"chunk_id":"chk_481645190da91a2e","chunk_index":8,"chunk_sha256":"144a7d90eaea6dfd8fff08428b63b706b9e3c299bc9dc50aa72a72a7633005bc","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_da7dc2023b134aba","text_sha256":"144a7d90eaea6dfd8fff08428b63b706b9e3c299bc9dc50aa72a72a7633005bc","token_estimate":437,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Prepayment_Monitoring_Report___U_S__FEDERAL_HOUSIN_i5mnol.md"]},"text":"- [1](?page=0)\n - [2](?page=1)\n - [Next](?page=1)\n - [Last](?page=1)\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n## Footer Highlighted\n\n- [About](/about)\n - [Careers](/about/careers)\n - [Sitemap](/sitemap)\n - [Contact Us](/contact)\n\n---\n\n- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)\n - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)\n - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)\n\n## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n"} diff --git a/chunks/json/1454b850ea32a5ea2b4643e46cb9bcda709d692a134a1f4c06b4550813a9c001.json b/chunks/json/1454b850ea32a5ea2b4643e46cb9bcda709d692a134a1f4c06b4550813a9c001.json new file mode 100644 index 0000000000000000000000000000000000000000..2b89ae0f691d02e926d5169912c4269b5493eba5 --- /dev/null +++ b/chunks/json/1454b850ea32a5ea2b4643e46cb9bcda709d692a134a1f4c06b4550813a9c001.json @@ -0,0 +1 @@ +{"chunk":{"char_end":409167,"char_start":407496,"chunk_id":"chk_3813897323417c8b","chunk_index":239,"chunk_sha256":"1454b850ea32a5ea2b4643e46cb9bcda709d692a134a1f4c06b4550813a9c001","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1454b850ea32a5ea2b4643e46cb9bcda709d692a134a1f4c06b4550813a9c001","token_estimate":418,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_DemandSuppl\nyType='OverSupply']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_TypicalMarket\ningTimeDurationType='UnderThreeMonths']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_TypicalMarket\ningTimeDurationType='ThreeToSixMonths']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_TypicalMarket\ningTimeDurationType='OverSixMonths']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING[@_T\nype='Condominium']/@_LowPriceAmount\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING[@_T\nype='Condominium']/@_HighPriceAmount\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING[@_T\nype='Condominium']/@_PredominantPriceAmount\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING[@_T\nype='Condominium']/@_NewestYearsCount\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING[@_T\nype='Condominium']/@_OldestYearsCount\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING[@_T\nype='Condominium']/@_PredominantAgeYearsCount\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT_LAN\nD_USE[@_Type='SingleFamily']/@_Percent\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT_LAN\nD_USE[@_Type='TwoToFourFamily']/@_Percent\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT_LAN\nD_USE[@_Type='Apartment']/@_Percent\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT_LAN\nD_USE[@_Type='Commercial']/@_Percent\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT_LAN\nD_USE[@_Type='Other']/@_Percent\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/NEIGHBORHOO\nD_EXTENSION/NEIGHBORHOOD_EXTENSION_SECTION[@ExtensionSect\nionOrganizationName='UNIFORM APPRAISAL\nDATASET']/NEIGHBORHOOD_EXTENSION_SECTION_DATA/NEIGHBOR\nHOOD_BOUNDARIES/@GSENeighborhoodBoundariesDescription\n"} diff --git a/chunks/json/145ecd3c443d6a891e403fa76aebfbb70dbe117071268a882bbc6553a3bdd964.json b/chunks/json/145ecd3c443d6a891e403fa76aebfbb70dbe117071268a882bbc6553a3bdd964.json new file mode 100644 index 0000000000000000000000000000000000000000..ae262fa189a21a7be54d7e1e594a15e30c8513ee --- /dev/null +++ b/chunks/json/145ecd3c443d6a891e403fa76aebfbb70dbe117071268a882bbc6553a3bdd964.json @@ -0,0 +1 @@ +{"chunk":{"char_end":123278,"char_start":121677,"chunk_id":"chk_f4636127216d35f8","chunk_index":65,"chunk_sha256":"145ecd3c443d6a891e403fa76aebfbb70dbe117071268a882bbc6553a3bdd964","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"145ecd3c443d6a891e403fa76aebfbb70dbe117071268a882bbc6553a3bdd964","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Prepaids\n\n8.245\n\nPrepaidItemType\n\nPrepaidInterest\n\n8.250\n\nPrepaidItemPaidFromDate\n\n2024-04-15\n\n8.251\n\nPrepaidItemPaidThroughDate\n\n2024-04-30\n\nProvide the last day for which interest was accrued.\n\n8.248\n\nPrepaidItemPerDiemAmount\n\n17.44\n\n8.256\n\nRegulationZPointsAndFeesIndicator\n\ntrue\n\n8.255\n\nPrepaidItemActualPaymentAmount\n\n279.04\n\nWhen no interest is prepaid, provide \"0\".\n\n3. Prepaid Tax Item-No RegulationZPointsAndFeesIndicator necessary.\n\n…/PREPAID_ITEM/PREPAID_ITEM_DETAIL\n\n8.257\n\nFeePaidToType\n\nThirdPartyProvider\n\n8.244\n\nIntegratedDisclosureSectionType\n\nPrepaids\n\n8.014\n\nPrepaidItemMonthsPaidCount\n\n6\n\n8.012\n\nPrepaidItemType\n\nCountyPropertyTax\n\n…/PREPAID_ITEM_PAID_TO/LEGAL_ENTITY/LEGAL_ENTITY_DETAIL\n\n8.019\n\nFullName\n\nAny County USA\n\n…/PREPAID_ITEM_PAYMENTS/PREPAID_ITEM_PAYMENT\n\n8.255\n\nPrepaidItemActualPaymentAmount\n\n315.90\n\n8.253\n\nPrepaidItemPaymentPaidByType\n\nBorrower\n\n8.254\n\nPrepaidItemPaymentTimingType\n\nAt Closing\n\n…/PREPAID_ITEM_PAYMENT\n\n8.255\n\nPrepaidItemActualPaymentAmount\n\n315.90\n\n8.253\n\nPrepaidItemPaymentPaidByType\n\nSeller\n\n8.254\n\nPrepaidItemPaymentTimingType\n\nBefore Closing\n\nProvide the name of the entity to which the item is\nbeing prepaid.\n\nN O T E : UCD v1.5 data point UID 8.249-PrepaidItemPerDiemCalculationMethodType, used with “PrepaidInterest” has\nbeen removed from UCD v2.0.\n\nFigure 38. XML Snippet-Prepaid Line Items.\n\n\n…\n\n\n\n\n\n\n\n\n\nUCD v2.0 Implementation Guide\n\n- 51 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 38. XML Snippet-Prepaid Line Items.\n\n\n"} diff --git a/chunks/json/14638a3ba3924806fcb92f67ff899fb80f54536148aa8254f6e7083bbec3a56e.json b/chunks/json/14638a3ba3924806fcb92f67ff899fb80f54536148aa8254f6e7083bbec3a56e.json new file mode 100644 index 0000000000000000000000000000000000000000..beaccd8e290ee2955e80b69ad39e1b41baa27c29 --- /dev/null +++ b/chunks/json/14638a3ba3924806fcb92f67ff899fb80f54536148aa8254f6e7083bbec3a56e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":48644,"char_start":47938,"chunk_id":"chk_5f170a3cb4011fb2","chunk_index":49,"chunk_sha256":"14638a3ba3924806fcb92f67ff899fb80f54536148aa8254f6e7083bbec3a56e","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"14638a3ba3924806fcb92f67ff899fb80f54536148aa8254f6e7083bbec3a56e","token_estimate":400,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1)\n(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)(cid:1)\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23)\n\nAppraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27)\n\n2\n\n2.0\n\n1.16\n"} diff --git a/chunks/json/146ad106a2dcb935975d0e09a0665e12396c8897391bc893b8e4ea613ceb6bcf.json b/chunks/json/146ad106a2dcb935975d0e09a0665e12396c8897391bc893b8e4ea613ceb6bcf.json new file mode 100644 index 0000000000000000000000000000000000000000..2b408d86f78f6b576af233ac13a2e147d9ef72f0 --- /dev/null +++ b/chunks/json/146ad106a2dcb935975d0e09a0665e12396c8897391bc893b8e4ea613ceb6bcf.json @@ -0,0 +1 @@ +{"chunk":{"char_end":44397,"char_start":42780,"chunk_id":"chk_3eb88f214241f99c","chunk_index":23,"chunk_sha256":"146ad106a2dcb935975d0e09a0665e12396c8897391bc893b8e4ea613ceb6bcf","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"146ad106a2dcb935975d0e09a0665e12396c8897391bc893b8e4ea613ceb6bcf","token_estimate":404,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"Fannie Mae also asserted that there\nare timing discrepancies with regard to\nthe reporting of data for the PUDB and\nHMDA. It stated that lenders report to\nHMDA those loans that are purchased or\noriginated in the reporting year, while\nFannie Mae reports to FHFA all\nmortgages purchased in a year—whether\noriginated in the current year or\nseasoned loans. FHFA recognizes that\nbecause of these differences in the\nnature of the PUDB and HMDA, timing\ndifferences in the reporting of single-\nfamily property data are inevitable.\nNevertheless, since this is a HMDA-\nrequired data field (see 12 CFR\n203.4(a)(4)), FHFA is required to obtain\nsuch data from the Enterprises.\n\nAccordingly, to conform to HMDA\n\nreporting requirements for property\ntype, FHFA has added property type,\nwithout modification, as new data field\n58 in the single-family Census Tract\nFile.\n\nC. HMDA Data Elements Not\nIncorporated in the PUDB, Consistent\nWith Section 304(j) of HMDA\n\nSection 1326(d) of the Safety and\nSoundness Act, as amended, provides\nthat the information related to loan\napplicants’ privacy interests as\ndescribed in section 304(j) of HMDA\nshall not be disclosed to the public.\nSection 304(j) requires specifically that\nthe following PII not be disclosed to the\npublic:\n\n(1) The applicant’s name and\n\nidentification number;\n\nVerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00047 Fmt 4703 Sfmt 4703 E:\\FR\\FM\\15JYN1.SGM 15JYN1\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n1\nB\n6\nL\nC\nW\nH\nK\nS\nD\nn\no\n\nn\no\ns\nn\nb\no\nr\ns\n\ni\n\n41186\n\nFederal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices\n\n(2) The date of the loan application;\n"} diff --git a/chunks/json/1476aaf5d21ea731ea8791f2e471d66903a2ad2afb6d4e9fac0dd72f653e800d.json b/chunks/json/1476aaf5d21ea731ea8791f2e471d66903a2ad2afb6d4e9fac0dd72f653e800d.json new file mode 100644 index 0000000000000000000000000000000000000000..e7dcd3527462e8ffb5cadddbfa12b931371b6f09 --- /dev/null +++ b/chunks/json/1476aaf5d21ea731ea8791f2e471d66903a2ad2afb6d4e9fac0dd72f653e800d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":544301,"char_start":542682,"chunk_id":"chk_f46b35c0ae42e152","chunk_index":323,"chunk_sha256":"1476aaf5d21ea731ea8791f2e471d66903a2ad2afb6d4e9fac0dd72f653e800d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"1476aaf5d21ea731ea8791f2e471d66903a2ad2afb6d4e9fac0dd72f653e800d","token_estimate":405,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"number.\n\nReport\nField ID\n\nNot on\nReport\n\nReport Label\n\nThis is an\nappraiser\ninput that\ndoes not\ndisplay in the\nsales grid\n\nSales Comparison Approach: Dwelling(s)\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nN/A\n\nAlways required\n\nNumber\n\nDwelling Exterior\n•\n\nUnits in Structure\n8.001\n\nNo\n\nUnits in Structure: The number of separate living units in or attached to\nthe dwelling that are attributable to the property, including any\naccessory dwelling units.\n\nNote: This applies for the subject or comparable property only.\n•\n\nIf in a low-rise, mid-rise, or high-rise, this does not represent the\ntotal number of units in the building.\n\nAppendix F-1: URAR Reference Guide\n\nPage 238 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Dwelling(s)\n\nReport\nField ID\n\n22.05.02\n22.05.21\n\n22.05.02\n22.05.21\n\nYear Built\n\nAlways\n\nAlways required\n\nyyyy\n\nYear Built\n\nAlways\n\nAlways required\n\nYes | No\n\n22.05.03\n22.05.23\n\nStructure\nDesign\n\n22.05.04\n22.05.25\n\nGross Building\nFinished Area\n\nRequired if\nAttachment Type is\nAttached\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nguidance column\n\nRequired when Units\nExcluding ADUs for the\nsubject is more than 1\n\nNumber of square\nfeet\n\nWhen\nAttachment\nType is\nAttached for\nthe subject or\nany\ncomparable\n"} diff --git a/chunks/json/148907ed90014325ad2a886610552e2ef0dd3d4035a5549704e153cc2533b5d6.json b/chunks/json/148907ed90014325ad2a886610552e2ef0dd3d4035a5549704e153cc2533b5d6.json new file mode 100644 index 0000000000000000000000000000000000000000..65898160ae91538641a14dcfc8359ddb15c715c7 --- /dev/null +++ b/chunks/json/148907ed90014325ad2a886610552e2ef0dd3d4035a5549704e153cc2533b5d6.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5323,"char_start":3633,"chunk_id":"chk_6601ae8634869e01","chunk_index":5,"chunk_sha256":"148907ed90014325ad2a886610552e2ef0dd3d4035a5549704e153cc2533b5d6","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_1f9c959be0398537","text_sha256":"148907ed90014325ad2a886610552e2ef0dd3d4035a5549704e153cc2533b5d6","token_estimate":422,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-specification-update-impact-memo.pdf"]},"text":"© 2022 Freddie Mac and Fannie Mae. Trademarks are property of their respective owners.\n\nConfidential\n\nFannie Mae Confidential\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by\nFannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.\n\nSummary of Changes\n\nImpact Memo\nSection\n\nDate\n\nChange\nType\n\nChange Description\n\nCorrection to the\nrecording fee total\namount guidance\n\nDecember 20,\n2022\n\nModified Clarifying correction made to processing of recording\n\nfee amounts.\n\nNew Data Point\n\nJuly 26, 2022\n\nModified\n\nRevised dates when the GSEs will begin accepting\nand requiring the new data point.\n\nEnumeration\nChanges\n\nJuly 26, 2022\n\nModified\n\nWarning messages will be generated if the\n“Genworth” enumeration is used in UCD XML files.\n\nJuly 26, 2022\n\nAdded\n\nValid values for Taxes and Other Government Fees.\n\nJuly 26, 2022\n\nCritical Edit Impacts\non the UCD\nSpecification v1.5\n\nJuly 26, 2022\n\nAdded\n\nNew table Updated UCD Requirements for Phase\n3 lists differences between the UCD Critical Edits\nMatrix v5.1 (CEM) and the UCD Specification v1.5.\n\nModified\n\nUpdates to the Updated UCD Requirements for\nPhases 1 and 2 table lists differences between the\nCEM and the UCD Specification v1.5 for Phases 1\nand 2.\n\n© 2022 Freddie Mac and Fannie Mae. Trademarks are property of their respective owners.\n\nConfidential\n\nFannie Mae Confidential\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by\nFannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.\n\nPurpose\n\nThis Impact Memo announces the following changes to the Uniform Closing Dataset (UCD)\nSpecification v1.5:\n"} diff --git a/chunks/json/14910af51b16c27774c0ff70ad8acd3daaeabdbdecd2b1b24c90e7cddc95503e.json b/chunks/json/14910af51b16c27774c0ff70ad8acd3daaeabdbdecd2b1b24c90e7cddc95503e.json new file mode 100644 index 0000000000000000000000000000000000000000..dac9c75fdf2f6556a7255b297edc643dc4eeb7e7 --- /dev/null +++ b/chunks/json/14910af51b16c27774c0ff70ad8acd3daaeabdbdecd2b1b24c90e7cddc95503e.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1241300,"char_start":1239700,"chunk_id":"chk_8f0061191db11176","chunk_index":737,"chunk_sha256":"14910af51b16c27774c0ff70ad8acd3daaeabdbdecd2b1b24c90e7cddc95503e","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"14910af51b16c27774c0ff70ad8acd3daaeabdbdecd2b1b24c90e7cddc95503e","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/@EstimatedRemainingEconomicLifeYearsCount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/@SiteEstimatedValueAmount\n\nSquare Feet Count\n\nIdentifies an area measured in square feet.\n(e.g. The area of a room or deck)\n\n/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/NEW_IMPROVEMENT[@_Type=‘Dwelling’]/@SquareFeetCount\n\nThe price in terms of dollars per square\nfoot. This is a ratio between a price and\nan area, but it is a monetary value rather\nthan a factor or rate. (i.e. sales price per\ngross living area of a property)\nThe dollar value of total estimated costs\nto reproduce new the property\nimprovement. (CALCULATED\nA free form text field used to capture\nadditional information when Other is\nselected for New Improvement Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/NEW_IMPROVEMENT[@_Type=‘Dwelling’]/@PricePerSquareFootA\nmount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/NEW_IMPROVEMENT[@_Type=‘Dwelling’]/@_CostAmount\n\n/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/NEW_IMPROVEMENT[@_Type=‘Other’]/@_TypeOtherDescription\n\nIdentifies an area measured in square feet.\n(e.g. The area of a room or deck)\n\n/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS\nIS/NEW_IMPROVEMENT[@_Type=‘Other’]/@SquareFeetCount\n\n4\n\n9\n\n5\n\n9\n\n12\n\n20\n\n10\n\nNumeric\n\nPDF Display Format:\nWhole numbers only.\n\nMoney\n\nPDF Display Format:\nWhole numbers only.\n\nNumeric\n\nPDF Display Format:\nWhole numbers only.\n\nMoney\n\nPDF Display Format:\nIn dollars, to two decimal places.\n\nMoney\n\nPDF Display Format:\nWhole numbers only.\n\nString\n\nNumeric\n"} diff --git a/chunks/json/14984feb8e38d1f70e919ddbf7067a7f99c3478c4c951b83920d9b96d25d94e9.json b/chunks/json/14984feb8e38d1f70e919ddbf7067a7f99c3478c4c951b83920d9b96d25d94e9.json new file mode 100644 index 0000000000000000000000000000000000000000..8a6a6b3521037a382fda9571abca9cba042bef29 --- /dev/null +++ b/chunks/json/14984feb8e38d1f70e919ddbf7067a7f99c3478c4c951b83920d9b96d25d94e9.json @@ -0,0 +1 @@ +{"chunk":{"char_end":8800,"char_start":7076,"chunk_id":"chk_c816a5ee8acf65ca","chunk_index":4,"chunk_sha256":"14984feb8e38d1f70e919ddbf7067a7f99c3478c4c951b83920d9b96d25d94e9","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d251c0ceb75125c8","text_sha256":"14984feb8e38d1f70e919ddbf7067a7f99c3478c4c951b83920d9b96d25d94e9","token_estimate":439,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Federal_Home_Loan_Bank_Membership_Data___FHFA_zwmoff.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# Federal Home Loan Bank Membership Data\n\n## Breadcrumb\n\n- [Home](/)\n - [FHFA Data](/data)\n - Federal Home Loan Bank Membership Data\n\nThe Federal Home Loan Bank (FHLB) system was created by the Federal Home Loan Bank Act of 1932 as a government sponsored enterprise to support mortgage lending and related community investment. It is composed of 11 FHLBanks, more than 6,500 member financial institutions, and the System's fiscal agent, the Office of Finance. Each FHLBank is a separate, government-chartered, member-owned corporation.\n"} diff --git a/chunks/json/149fa42efeba12cf8d75fbf55523a81fd940721b6e8d7b67771fa0f2826bc329.json b/chunks/json/149fa42efeba12cf8d75fbf55523a81fd940721b6e8d7b67771fa0f2826bc329.json new file mode 100644 index 0000000000000000000000000000000000000000..49ea38c39336c1f3d48fa92cb9b6ca56b0bbca6f --- /dev/null +++ b/chunks/json/149fa42efeba12cf8d75fbf55523a81fd940721b6e8d7b67771fa0f2826bc329.json @@ -0,0 +1 @@ +{"chunk":{"char_end":19152,"char_start":16975,"chunk_id":"chk_7af02c5281955238","chunk_index":10,"chunk_sha256":"149fa42efeba12cf8d75fbf55523a81fd940721b6e8d7b67771fa0f2826bc329","date_utc":"2026-01-27T17:48:00+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_91d238884cfd63d3","text_sha256":"149fa42efeba12cf8d75fbf55523a81fd940721b6e8d7b67771fa0f2826bc329","token_estimate":636,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Loss_Mitigation___FHFA_cgj3mf.md"]},"text":"{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/12271\",\"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); })();\n"} diff --git a/chunks/json/14b8e5c4a9ba00c5a2f37cbeee84ec9f412f876ae69369b729bc2c9022206241.json b/chunks/json/14b8e5c4a9ba00c5a2f37cbeee84ec9f412f876ae69369b729bc2c9022206241.json new file mode 100644 index 0000000000000000000000000000000000000000..93176fa51eed97438e01f18531897a6a90a7704c --- /dev/null +++ b/chunks/json/14b8e5c4a9ba00c5a2f37cbeee84ec9f412f876ae69369b729bc2c9022206241.json @@ -0,0 +1 @@ +{"chunk":{"char_end":9777,"char_start":9124,"chunk_id":"chk_67d117555f01fa6d","chunk_index":14,"chunk_sha256":"14b8e5c4a9ba00c5a2f37cbeee84ec9f412f876ae69369b729bc2c9022206241","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"14b8e5c4a9ba00c5a2f37cbeee84ec9f412f876ae69369b729bc2c9022206241","token_estimate":577,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Itemized List of Repairs ................................................................................................................................................................................................ 28\n\nNew Observed Items for Repair ................................................................................................................................................................................... 28\n\nConstruction Complete ................................................................................................................................................................................................ 28\n"} diff --git a/chunks/json/14db5ca6718a98ae4c547a77d89aa8dd7341e5e5216e44edc0b4174720439696.json b/chunks/json/14db5ca6718a98ae4c547a77d89aa8dd7341e5e5216e44edc0b4174720439696.json new file mode 100644 index 0000000000000000000000000000000000000000..daa10b21ff55073c574ff750181aea9180e868da --- /dev/null +++ b/chunks/json/14db5ca6718a98ae4c547a77d89aa8dd7341e5e5216e44edc0b4174720439696.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10634,"char_start":8871,"chunk_id":"chk_a430aab54f5cb102","chunk_index":5,"chunk_sha256":"14db5ca6718a98ae4c547a77d89aa8dd7341e5e5216e44edc0b4174720439696","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_dc766f901ec2960c","text_sha256":"14db5ca6718a98ae4c547a77d89aa8dd7341e5e5216e44edc0b4174720439696","token_estimate":441,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Interpretive_Services___FHFA_avef0g.md"]},"text":"## HUD\n\n[Image\n\n![HUD Logo](/sites/default/files/styles/large/public/2023-11/hud-logo_1.png?itok=p6nZDWIf)](https://hud4.my.site.com/housingcounseling/s/?language=en_US)\n\nHUD's nationwide network of Housing Counseling Agencies provide individual counseling and group education to help current and prospective homeowners and renters make responsible housing choices. These HUD-approved agencies provide guidance and resources on homeownership, rental, service for the homeless, reverse mortgage and budget and financial literacy via face-to-face, phone and secure internet platforms. HUD has created a tool to locate housing counseling agencies that includes what languages are supported so you can find a housing counselor you can work with in your preferred language. [https://apps.hud.gov/offices/hsg/sfh/hcc/hcs.cfm](https://apps.hud.gov/offices/hsg/sfh/hcc/hcs.cfm)\n\nAdditionally, you may call their interactive housing counseling line to be directed to housing counseling agencies in your area in the English or Spanish languages at **(800) 569-4287**.\n\nFor help with… Services and cost Contact Availability & languages supported - Financial management/budget counseling\n- Mortgage delinquency and default resolution counseling\n- Non-delinquency post purchase workshops\n- Pre-purchase counseling and homebuyer education workshops The Counseling line is a free automated telephone line that directs you to counselors in your area. The online locator includes the languages supported by each housing counselor **(800) 569-4287**or online [here](https://apps.hud.gov/offices/hsg/sfh/hcc/hcs.cfm) Housing counseling line, available in English and Spanish, and locator tool are available 24/7 but hours of operation and languages supported vary by agency ## CFPB\n"} diff --git a/chunks/json/14dd0bbe1cbf8bf1a84a6c94c739f3812b78f36e0c6c19e262303ca74dc1f44c.json b/chunks/json/14dd0bbe1cbf8bf1a84a6c94c739f3812b78f36e0c6c19e262303ca74dc1f44c.json new file mode 100644 index 0000000000000000000000000000000000000000..fe7ccc7934b7b411f532411c10e8cc8987e99bd9 --- /dev/null +++ b/chunks/json/14dd0bbe1cbf8bf1a84a6c94c739f3812b78f36e0c6c19e262303ca74dc1f44c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":124978,"char_start":123280,"chunk_id":"chk_73a57cbfb4c79a80","chunk_index":66,"chunk_sha256":"14dd0bbe1cbf8bf1a84a6c94c739f3812b78f36e0c6c19e262303ca74dc1f44c","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"14dd0bbe1cbf8bf1a84a6c94c739f3812b78f36e0c6c19e262303ca74dc1f44c","token_estimate":421,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"\n\nOther\n\nLenderAffiliate\n Prepaids\n 12\n HomeownersInsurancePremium\n true\n\n\n \n\n\n\n\n\nInsurance Co.\n\n\n\n\n\n\n \n \n\n1209.96\n Buyer\n AtClosing\n\n\n \n\n\n \n\n\n\nLender\n Prepaids\n 2024-04-15\n 2024-04-30\n 17.44\n PrepaidInterest\n true\n\n\n \n \n\n279.04\n Buyer\n AtClosing\n"} diff --git a/chunks/json/14de95d5d91cc8ca317f09ce0c9a49544037f8d41564210fd099f532a78a55f7.json b/chunks/json/14de95d5d91cc8ca317f09ce0c9a49544037f8d41564210fd099f532a78a55f7.json new file mode 100644 index 0000000000000000000000000000000000000000..9ba153f7f71b1d2a4de6fd9e83d8eb07362bf58b --- /dev/null +++ b/chunks/json/14de95d5d91cc8ca317f09ce0c9a49544037f8d41564210fd099f532a78a55f7.json @@ -0,0 +1 @@ +{"chunk":{"char_end":386283,"char_start":384654,"chunk_id":"chk_cc72fd2e21e8e499","chunk_index":222,"chunk_sha256":"14de95d5d91cc8ca317f09ce0c9a49544037f8d41564210fd099f532a78a55f7","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"14de95d5d91cc8ca317f09ce0c9a49544037f8d41564210fd099f532a78a55f7","token_estimate":408,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 5 of 21\nPage 5 of 21\n\nSketch\n\nMeasurement Standard\n\nANSI\n\nSketch\n\nDwelling Exterior\n\nSubject Property Units in\nStructure\nDwelling Style\nFront Door Elevation\nYear Built\nConstruction Method\nConverted Area\n\n1\nColonial\n3-4 Ft.\n2004\nSite Built\nNone\n\nThis is where the Subject Property photo would display.\n\nAppraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1)\n\nUniform Residential Appraisal Report\n\nPage 6 of 21\nPage 6 of 21\n\nDwelling Exterior (continued)\n\nQuality and Condition\n\nExterior Quality Rating\n\nQ4\n\nExterior Condition Rating\n\nC4\n\nThe table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report\n\nExterior Features\n\nFeature\nExterior Walls and Trim\n\nDetail\nVinyl\n\nQuality Comment\n\nFoundation\n\nRoof\n\nWindows\n\nPoured Concrete | Basement\n\nComposition\nEstimated Age: 10-20 years\n\nVinyl Double Hung -\nThermal Pane\n\nDouble Thermal Pane\ncontributes to Energy\nEfficiency.\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nCondition Comment\nMinor cracks to vinyl typical\nfor age.\n\nReported condition is subject\nto repair; see defects table\nand commentary below.\n\nTypical Wear and Tear\n\nWindows same age as house.\n\nCheck #A\n\nMechanical System Details\n\nHeating\n\nCooling\n\nSystem\nForced Warm Air\n\nCentralized\n\nDetail\nNatural Gas\n\nCore Heating System Below Grade\n\nOther Mechanical Systems\n\nSump Pump\nWater Heater\n\nYes No\n \n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior)\n"} diff --git a/chunks/json/14e49d4e162fe78d9e06b3db9522160a2deac6510d9e84cd8c0abf3aa31882bb.json b/chunks/json/14e49d4e162fe78d9e06b3db9522160a2deac6510d9e84cd8c0abf3aa31882bb.json new file mode 100644 index 0000000000000000000000000000000000000000..dc8119b285d84eb2a16e9a2836bf76409fcadaa5 --- /dev/null +++ b/chunks/json/14e49d4e162fe78d9e06b3db9522160a2deac6510d9e84cd8c0abf3aa31882bb.json @@ -0,0 +1 @@ +{"chunk":{"char_end":508394,"char_start":505607,"chunk_id":"chk_3f9a441ea089c966","chunk_index":293,"chunk_sha256":"14e49d4e162fe78d9e06b3db9522160a2deac6510d9e84cd8c0abf3aa31882bb","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"14e49d4e162fe78d9e06b3db9522160a2deac6510d9e84cd8c0abf3aa31882bb","token_estimate":697,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Inground Pool - Heated\n\n— $20,000\n\nDeck | Deck | Patio | Porch\n\nDeck | Patio\n| Porch\n\n$5,000\n\nDeck | Deck |\nPatio | Porch\n\nInground Pool -\nDiving Board\n\nDeck | Patio\n\n$10,000\n\n$0\n\nInground Pool -\nDiving Board\n\n$0\n\nVehicle Storage\n\nType | Spaces | Detail\n\nCarport | 2 | Detached\n400 Sq. Ft.\nDriveway | 4 | Asphalt\nGarage | 2 | Attached\n528 Sq. Ft.\n\n$10,000\n\n$10,000\n\n$10,000\n\nDriveway | 6 | Gravel\nGarage | 2 | Attached\n\nDriveway | 6 | Asphalt\nGarage | 2 | Detached\n\nDriveway | 4 | Gravel\nGarage | 2 | Detached\n\nOutbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts)\n\nOutbuilding Type\n\nFinished Area\n\nUnfinished Area\n\nHeating\n\nUtilities\n\nSummary\n\nList Price\n\nContract Price\n\nSale Price\n\nNet Adjustment Total\n\nPrice Per Finished\nArea Above Grade\n\nAdjusted Price\n\nComparable Weight\n\n—\n\n—\n\n—\n\n—\n\n—\n\n$799,900\n\n$770,000\n\nStable $(20,000)\n\nPool House\n\n$(5,000)\n\nStudio $(16,000)\n\n0 Sq. Ft.\n\n864 Sq. Ft.\n\nNone\n\nElectricity\n\n$855,000\n\n—\n\n$825,000\n\n$(41,900)\n\n$221\n\n$783,100\n\nMost\n\n192 Sq. Ft.\n\n0 Sq. Ft.\n\nNone\n\nElectricity\n\n$779,000\n\n—\n\n$765,000\n\n$3,380\n\n$215\n\n$768,380\n\nMost\n\n400 Sq. Ft.\n\n0 Sq. Ft.\n\nYes\n\nElectricity\n\n$799,999\n\n—\n\n$775,000\n\n$14,480\n\n$312\n\n$789,480\n\nLess\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$775,000\n\nReconciliation of Sales Comparison Approach\n\nThe subject and comparables are located within a market area that has a rural nature while being within 40 miles commuting distance to\nthe Northern Virginia and Washington, DC metropolitan and suburban area business and government centers. Within this market segment\nlarger lots with pastoral views and accessory structures and outbuildings are typical. However, sales of properties with accessory dwelling\nunits, while not uncommon, can be difficult to identify as the units are often not advertised as separate living areas. Comparables #1 and #2\nare given greatest consideration as they contain accessory dwelling units that are located within the main dwelling but are otherwise similar\nto the subject’s accessory unit. Comparables #1 and #2 are also similar to the subject in age and Comparable #2 is most similar to the subject\nin level and quality of updates. Comparable #3 has a garage, an ADU, and a separate studio. The ADU shares a common wall with the garage.\nHowever, Comparable #3 receives least consideration as it is an older farmhouse that has been gut renovated, including foundation work to\nupgrade and provide additional support. The renovation was completed with a high level of quality and craftsmanship while maintaining\nvintage characteristics (e.g., random width wood flooring and trim that has been restored and refinished) which may appeal to a different\nbuyer pool than houses of the subject and comparable #1 and #2’s vintage.\n"} diff --git a/chunks/json/14e6062b97e1be9ef2297246fccd403f9ed7a3f95244a658cf7f8ee923f1e3e2.json b/chunks/json/14e6062b97e1be9ef2297246fccd403f9ed7a3f95244a658cf7f8ee923f1e3e2.json new file mode 100644 index 0000000000000000000000000000000000000000..b272324876945eeb476bb166893c7ee18a307ef3 --- /dev/null +++ b/chunks/json/14e6062b97e1be9ef2297246fccd403f9ed7a3f95244a658cf7f8ee923f1e3e2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":24691,"char_start":23088,"chunk_id":"chk_7e602b3887139a71","chunk_index":14,"chunk_sha256":"14e6062b97e1be9ef2297246fccd403f9ed7a3f95244a658cf7f8ee923f1e3e2","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"14e6062b97e1be9ef2297246fccd403f9ed7a3f95244a658cf7f8ee923f1e3e2","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 13 of 29\nPage 13 of 29\n\nHighest and Best Use\n\nIs the present use of the subject property …\n\nLegally Permissible\nPhysically Possible\n\nYes\nYes\n\nFinancially Feasible\nMaximally Productive\n\nYes\nYes\n\nYes No\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  \n\nHighest and Best Use Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nMarket\n\nMarket Area Boundary The subject market is roughly bounded by Keaau and Hawaii State parkland to the north, the Pacific Ocean to the\neast and the south, and State Route 130 to the west.\n\nSearch Criteria Description Closing dates between 09/01/2018-09/01/2019 and bounded by Keaau and Hawaii State parkland to the north,\nthe Pacific Ocean to the east and the south, and State Route 130 to the west.\n\nSearch Result Metrics\n\nActive Listings\n\nMedian Days on Market\nLowest List Price\nMedian List Price\nHighest List Price\n\nPending Sales\n\n7\n148\n$234,900\n$352,000\n$739,000\n1\n\nSales in Past 12 Months\n\nLowest Sale Price\nMedian Sale Price\nHighest Sale Price\n\nDistressed Market Competition\nPrice Trend Source\n\n10\n$200,500\n$403,230\n$620,000\nNo\nMLS\n\nPrice Trend Analysis Commentary An analysis of the sales in the past year for the subject’s market area shows sales volume to be consistent\nacross the year. Supply and demand are in balance and the absorption rate is typical of historical trends. The market in the subject area is\nconsidered to be stable.\n\nHousing Trends\n\nDemand/Supply\n\nMarket Commentary\n\nIn Balance\n\nMarketing Time\n"} diff --git a/chunks/json/14e6f12711cbbc961743372df316ac8f685d4fd7de0485a2cf867441dc6c6cb0.json b/chunks/json/14e6f12711cbbc961743372df316ac8f685d4fd7de0485a2cf867441dc6c6cb0.json new file mode 100644 index 0000000000000000000000000000000000000000..85c9f90262fac059314970892ecfc5d088aead0e --- /dev/null +++ b/chunks/json/14e6f12711cbbc961743372df316ac8f685d4fd7de0485a2cf867441dc6c6cb0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10549,"char_start":8732,"chunk_id":"chk_d01f4937e066de5a","chunk_index":5,"chunk_sha256":"14e6f12711cbbc961743372df316ac8f685d4fd7de0485a2cf867441dc6c6cb0","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_803e35193cb4a939","text_sha256":"14e6f12711cbbc961743372df316ac8f685d4fd7de0485a2cf867441dc6c6cb0","token_estimate":452,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Blogs___FHFA_0tygc.md"]},"text":"The COVID-19 Pandemic Migration (the Migration) led to a decline in state-level acquisition shares of manufactured housing mortgages on the West Coast and increasing shares in the Sun Belt states. This blog demonstrates how financing from the Enterprises enabled a practical solution for lower-income...\n - FHFA Statistics\n\nJanuary 2, 2025\n\n## [Trends in Median Appraised Value for Properties With Accessory Dwelling Units in California](/blog/statistics/trends-in-median-appraised-value-for-properties-with-accessory-dwelling-units-in-california)\n\nFHFA analysis shows higher relative growth in the median appraised value for Enterprise-backed single-family properties with accessory dwelling units than for those without accessory dwelling units in the state of California between 2013 and 2023. UAD Aggregate Statistics The Federal Housing Finance...\n - FHFA Insights\n\nDecember 23, 2024\n\n## [Who Lives in Rural America?](/blog/insights/who-lives-in-rural-america)\n\nIntroduction In this blog post, we share insights into the demographics and housing characteristics of rural America. Through our analysis of the Census Bureau’s American Community Survey (ACS), we find that, on average, rural areas are older, have lower labor force participation rates, and have...\n - FHFA Insights\n\nDecember 20, 2024\n\n## [An Overview of FHFA’s Key Initiatives to Address Climate-Related Financial Risks](/blog/insights/an-overview-of-fhfas-key-initiatives-to-address-climate-related-financial-risks)\n\nThe Federal Housing Finance Agency (FHFA) recognizes that the growing frequency and severity of natural disasters, as well as rapidly increasing insurance costs, presents a serious threat to homeowners, renters, and the U.S. housing finance system. As a result, FHFA has been engaging in a variety of...\n - FHFA Insights\n"} diff --git a/chunks/json/14fe0ec8ae86ab569cd326888c0964c45a89e7fad2d0813cfb9056f18acb86ec.json b/chunks/json/14fe0ec8ae86ab569cd326888c0964c45a89e7fad2d0813cfb9056f18acb86ec.json new file mode 100644 index 0000000000000000000000000000000000000000..aa8e38fa4b4d89b5c210aa73ebbd37504b80f64e --- /dev/null +++ b/chunks/json/14fe0ec8ae86ab569cd326888c0964c45a89e7fad2d0813cfb9056f18acb86ec.json @@ -0,0 +1 @@ +{"chunk":{"char_end":156121,"char_start":154511,"chunk_id":"chk_f392616be7c36609","chunk_index":88,"chunk_sha256":"14fe0ec8ae86ab569cd326888c0964c45a89e7fad2d0813cfb9056f18acb86ec","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"14fe0ec8ae86ab569cd326888c0964c45a89e7fad2d0813cfb9056f18acb86ec","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"18\n\nCounselingFormatType, 18, 60\nCounselingFormatTypeOtherDescription, 18\nCountryCode, 60\nConvertibleIndicator, 47\nConvertibleStatusType, 46, 47\nCreditRepositorySourceIndicator, 60\nCreditRepositorySourceType, 60\nCreditScoreValue, 60\nDownPaymentAmount, 22\nDownPaymentSourceType, 22, 70\nDownPyamentType, 22\n\nFirstName, 60\nFirstRateChangePaymentEffectiveDate, 52\n\nFullName, 60\nGenderType, 60\nHMDAEthnicityType, 60\nHMDARaceType, 60\nInterestRateRoundingPercent, 52\nInterestRateRoundingType, 52\nLastName, 60\nLegalEntityType, 60\nLatestConversionEffectiveDate, 44, 47\nLoanAmortizationPeriodCount, 21\nLoanAmortizationPeriodType, 21\nLoanMaturityPeriodCount, 21\nLoanMaturityPeriodType, 21\nLoanModificationEffectiveDate, 44, 46\nLoanOriginatorType, 57, 61\nLoanProgramAffordableIndicator, 19, 77\nLoanRoleType, 28, 29, 35, 41, 43, 47, 75\nLoanStateDate, 35, 42, 43, 45 - 49\nLoanStateType, 16, 24, 35, 40-47, 54, 77\nMarginRatePercent, 52\nMICompanyNameType, 17\nMICompanyNameTypeOtherDescription, 17\nMICurrentAnnualPremiumAmount, 22\nMiddleName, 60\nMIPremiumPaymentType, 22\nMIPremiumSourceType, 22\nMISMOReferenceModelIdentifier, 28, 30\nMortgageModificationIndicator, 45, 46, 49\nNextRateAdjustmentEffectiveDate, 55\nNoteDate, 14, 42-47\nPartyRoleIdentifier, 57, 60-62\nPartyRoleType, 35, 39, 41, 56-63, 76\nPerChangeMaximumDecreaseRatePercent, 54\nPerChangeMaximumIncreaseRatePercent, 54\nPerChangeRateAdjustmentEffectiveDate, 54, 56\nPerChangeRateAdjustmentFrequencyMonthsCoun\n\nt, 54\n\nPostalCode, 60, 77\nPriceLockDateTime, 14\nPropertyValuationAmount, 20\nStateCode, 60\nSuffixName, 60\nTaxpayerIdentifierType, 60\nTaxpayerIdentifierValue, 60\n"} diff --git a/chunks/json/151617cf511817315d93e2471cc4ad6aa7a48bb5bd1ae00bf0ba098235fc782d.json b/chunks/json/151617cf511817315d93e2471cc4ad6aa7a48bb5bd1ae00bf0ba098235fc782d.json new file mode 100644 index 0000000000000000000000000000000000000000..cabfe8c5e914a00b49bf56133889ea0a3646f70f --- /dev/null +++ b/chunks/json/151617cf511817315d93e2471cc4ad6aa7a48bb5bd1ae00bf0ba098235fc782d.json @@ -0,0 +1 @@ +{"chunk":{"char_end":35103,"char_start":33505,"chunk_id":"chk_a2f2a059e4501e75","chunk_index":22,"chunk_sha256":"151617cf511817315d93e2471cc4ad6aa7a48bb5bd1ae00bf0ba098235fc782d","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6a5de7e7b0279ba0","text_sha256":"151617cf511817315d93e2471cc4ad6aa7a48bb5bd1ae00bf0ba098235fc782d","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-documentation.pdf"]},"text":"The overall count of appraisal records does not\ndirectly compare to other Enterprise loan counts\nFHFA publishes. Some loans acquired by the\nEnterprises do not receive an appraisal.\n\nAs noted in Section 3, the universe of appraisal\nrecords used to produce the Enterprise UAD\nAppraisal-Level PUF includes only appraisal records\nof loans acquired by the Enterprises while the\nuniverse of appraisal records used to produce the\nUAD Aggregate Statistics Data File does not have this\nrestriction.\nDescribed in Section 4.\n\nFHFA internally verified the appraisal records in the\nUAD Appraisal-Level PUF. The primary method was\n“code replication,” whereby two different persons or\nteams produced the UAD Appraisal-Level PUF, then\ncompared them to ensure consistency. Where\ninconsistency was discovered, differences were\nresolved.\nFHFA’s Office of Congressional Affairs and\nCommunications posts final products on FHFA’s\nwebsite. Once the final products post, FHFA staff\ndownload the product and perform a check to ensure\nthe correct version is on the website.\n\nFederal Housing Finance Agency\n\n11\n\nUAD PUF Version 2.1 Data Documentation\n\nAppendix 1. Protocol for Identifying Unique Final\nAppraisals in the UAD\n\nThe process below describes how FHFA created the universe of appraisal records eligible to include in\nthe UAD Appraisal-Level PUF. These steps were carried out sequentially to identify unique final\nappraisals in the UAD.\n\n1. Keep only active appraisals using the active document identification data field.\n\n2. Keep only appraisals that were successfully submitted through the UCDP or EAD systems, as\n"} diff --git a/chunks/json/151875025abe93c72149d9498d4e6f16a438367a13a45a6ff37192a133714fd2.json b/chunks/json/151875025abe93c72149d9498d4e6f16a438367a13a45a6ff37192a133714fd2.json new file mode 100644 index 0000000000000000000000000000000000000000..f8e20601d88c82b2924377debb2fc8790a49d37f --- /dev/null +++ b/chunks/json/151875025abe93c72149d9498d4e6f16a438367a13a45a6ff37192a133714fd2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":46263,"char_start":44398,"chunk_id":"chk_40fe3221baa46c76","chunk_index":17,"chunk_sha256":"151875025abe93c72149d9498d4e6f16a438367a13a45a6ff37192a133714fd2","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_96e78a2d28acf23b","text_sha256":"151875025abe93c72149d9498d4e6f16a438367a13a45a6ff37192a133714fd2","token_estimate":466,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/FAQs__Uniform_Closing_Dataset___Fannie_Mae_dr8d4l.md"]},"text":"Yes. Upon receipt, each GSE validates the UCD XML file structure and syntax against the MISMO v3.3.0299 Reference Model schema upon submission. For UCD XML files based on the UCD v2.0, the GSEs will also validate against the ucd schema (ucd.xsd).\n\n**40. How should I handle negative values in the UCD XML file? For example, should the Aggregate Adjustment value in the Closing Costs Details section of the Closing Disclosure be submitted as a negative value in the XML file?**\n\nIn general, any value that is reflected as a negative value on the CD, for example, an aggregate adjustment, should be provided as a negative value in the UCD XML file. Refer to the Potential Sign Conflict table in the UCD Implementation Guide for additional examples.\n\n**41. What is the DisplayLabelText attribute?**\n\nThe *DisplayLabelText* attribute is used by document preparation providers to render a non-enumerated value on the CD for fee, prepaid, escrow, liability and closing adjustment items. This allows Sellers to continue to use proprietary terminology when disclosing costs. For example, a *DisplayLabelText* value of “Attorney Doc Prep Fee” appears on the CD, but the corresponding supported enumerated value of “DocumentPreparationFee” would be provided for FeeType (v1.5) / ucd:FeeItemType (v2.0) in the UCD XML file. A sample XML snippet based on UCD v1.5 is provided below:\n\nSample XML Snippet:\n\n![picture1.png](/sites/g/files/koqyhd181/files/2025-09/Screenshot%202025-09-25%20161700.png)\n\nSample Form Snippet:\n\n![picture2.png](/sites/g/files/koqyhd181/files/2023-11/picture2.png)\n\ncampaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } });\n"} diff --git a/chunks/json/15230d1597d57513791cf2adec8d734878b24320ee64596b93d2b7a1aa0a8ef2.json b/chunks/json/15230d1597d57513791cf2adec8d734878b24320ee64596b93d2b7a1aa0a8ef2.json new file mode 100644 index 0000000000000000000000000000000000000000..1a2c94770a61b66c233cf94f919c08dc93653817 --- /dev/null +++ b/chunks/json/15230d1597d57513791cf2adec8d734878b24320ee64596b93d2b7a1aa0a8ef2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":91183,"char_start":89569,"chunk_id":"chk_3df994647ef253c7","chunk_index":85,"chunk_sha256":"15230d1597d57513791cf2adec8d734878b24320ee64596b93d2b7a1aa0a8ef2","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"15230d1597d57513791cf2adec8d734878b24320ee64596b93d2b7a1aa0a8ef2","token_estimate":404,"warnings":["source_path=Appendix C-1 URAR Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"29.047\n\n26. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government\nsponsored enterprises, and other secondary market participants may choose to rely on this appraisal report as part of any mortgage finance\ntransaction that involves any one or more of these parties. A person or entity who receives a copy of an appraisal report does not become\nan intended user, unless the appraiser identifies such person as an intended user. The appraiser and supervisory appraiser (if applicable)\nshall have no liability for any use of this appraisal report not related to the mortgage finance transaction and related activities for which this\nappraisal report was prepared.\n\n29.048\n\n27. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable\nfederal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation\nof my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is\nenforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.\n\n29.049\n\n28. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties\nincluding, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar\nstate laws.\n"} diff --git a/chunks/json/15284ed45773ff99f3b650afe026cebd0329c98d79f73665c34c340f5fe58c6a.json b/chunks/json/15284ed45773ff99f3b650afe026cebd0329c98d79f73665c34c340f5fe58c6a.json new file mode 100644 index 0000000000000000000000000000000000000000..e5a90e19a1e54837f6840635c68f08519f749967 --- /dev/null +++ b/chunks/json/15284ed45773ff99f3b650afe026cebd0329c98d79f73665c34c340f5fe58c6a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":228973,"char_start":227346,"chunk_id":"chk_500bf7bbab7ede7a","chunk_index":214,"chunk_sha256":"15284ed45773ff99f3b650afe026cebd0329c98d79f73665c34c340f5fe58c6a","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"15284ed45773ff99f3b650afe026cebd0329c98d79f73665c34c340f5fe58c6a","token_estimate":407,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Page 164\n\nSystem\n\n• Heating - HeatingSystemType (UID: 0300.0088, FID: 8.049) If there are multiple, display as stacked in a new row.\n\no When HeatingSystemType <> None, Detail - HeatingFuelType (UID: 0300.0086, FID: 8.050) must be provided for each heating\n\nsystem type.\n\no When HeatingSystemType = None, Detail - LackOfHeatingSystemTypicalToMarketIndicator (UID: 0300.0083, FID: 8.050) is\n\nrequired.\n\n▪ When true, display “Typical for Market”\n▪ When false, display “Not Typical for Market”\n\n• Cooling – Always displays\n\no CoolingSystemExistsIndicator (UID: 0300.0022, FID: 8.051)\n\n▪ When true, display the CoolingSystemType (UID: 0300.0084, FID: 8.051). If there are multiple, display as stacked in a new\n\nrow.\n\n▪ When false, display “None”.\n▪ No information is displayed in the Detail column for Cooling.\n\nCore Heating System Below Grade - CoreHeatingSystemBelowGradeIndicator (UID: 0300.0116, FID: 8.052) checkboxes display when\nHeatingSystemType <> “None” (Figure 8 - 5)\n\nOther Mechanical Systems\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n• Other Mechanical Systems - MechanicalSystemType (UID: 0300.0090, FID: 8.053) displays when provided. If there are multiple, display as\n\nstacked. (Figure 8 - 5)\n\no When there are no other mechanical systems, Other Mechanical Systems does not display.\n\nPage 165\n\nFigure 8 - 5\n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior – [Structure Identifier])\n\nThe Apparent Defects, Damages, Deficiencies (Dwelling Exterior – [Structure Identifier]) subsection always displays. The Structure Identifier\n(FID: 8.054), when applicable, redisplays from the black tab (FID: 8.000).\n"} diff --git a/chunks/json/1528fec7daa82c41ddcd932c649217781ff32831c875a31679f77d8f711de794.json b/chunks/json/1528fec7daa82c41ddcd932c649217781ff32831c875a31679f77d8f711de794.json new file mode 100644 index 0000000000000000000000000000000000000000..be5de6342854a1495a9c44d2178a3fa2c12ed1ea --- /dev/null +++ b/chunks/json/1528fec7daa82c41ddcd932c649217781ff32831c875a31679f77d8f711de794.json @@ -0,0 +1 @@ +{"chunk":{"char_end":5059,"char_start":5043,"chunk_id":"chk_78772baee39ee5b8","chunk_index":3,"chunk_sha256":"1528fec7daa82c41ddcd932c649217781ff32831c875a31679f77d8f711de794","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_99401d740d4c4f1e","text_sha256":"1528fec7daa82c41ddcd932c649217781ff32831c875a31679f77d8f711de794","token_estimate":8,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-release-aug-19-2023.pdf","below_target_min_tokens"]},"text":"7.12.23\n\n3 of 3\n"} diff --git a/chunks/json/153c691f571bcba83a5559314101906198ff143a88f5805a8a6b80661665b5ae.json b/chunks/json/153c691f571bcba83a5559314101906198ff143a88f5805a8a6b80661665b5ae.json new file mode 100644 index 0000000000000000000000000000000000000000..668d5944073106cf814d58fcf489fd64764ba3ef --- /dev/null +++ b/chunks/json/153c691f571bcba83a5559314101906198ff143a88f5805a8a6b80661665b5ae.json @@ -0,0 +1 @@ +{"chunk":{"char_end":436473,"char_start":434780,"chunk_id":"chk_6cbd4f737f968576","chunk_index":243,"chunk_sha256":"153c691f571bcba83a5559314101906198ff143a88f5805a8a6b80661665b5ae","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"153c691f571bcba83a5559314101906198ff143a88f5805a8a6b80661665b5ae","token_estimate":423,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Product Eligibility\n\nImprovements are permitted on existing properties in conjunction with all standard Guide products and features including,\nbut not limited to:\n\nloans with deed restrictions (including programs that allow below market rate mortgages),\n\n• high-balance loans,\n• Community Seconds,\n•\n• down payment assistance programs,\n• HomeReady loans, and\n• Community Land Trusts.\n\nHomeStyle Refresh loans are subject to the applicable LTV, CLTV, and HCLTV ratios for purchase and limited cash-out\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 177 of 166\n\nUAD 3.6 Policy\n\nrefinance transactions found in the Eligibility Matrix . Improvements cannot be financed in the loan amount of a high LTV\nrefinance loan.\nNote: Improvements are permitted on a cash-out refinance, however the transaction is not considered a HomeStyle Refresh\nloan. All standard cash-out refinance policies apply.\n\nEligible Property and Occupancy Types\n\nAll one- to four-unit existing properties are eligible for HomeStyle Refresh. All property types are eligible. Manufactured\nhomes are eligible provided the improvements do not include structural changes.\n\nAll occupancy types are permitted.\n\nEligible Improvements\n\nThe HomeStyle Refresh program may be used to make improvements and renovations to an existing property, such as:\n\n• kitchen or bathroom updates;\n•\n\nconstruction of outdoor buildings and structures when allowed by local zoning regulations, for example swimming\npools, decking, screening and porch, and patio additions;\n\n• adding or renovating an accessory dwelling unit;\n•\n\nimprovements or repairs related to disaster damage or improvements to protect the property from future disaster,\nsuch as\n"} diff --git a/chunks/json/154404af7a8a8703d141682448a77c31b1747db7a7c22df8cc16f0ef33006829.json b/chunks/json/154404af7a8a8703d141682448a77c31b1747db7a7c22df8cc16f0ef33006829.json new file mode 100644 index 0000000000000000000000000000000000000000..e0df5a12026840b8ad669d14fe03e148cace130c --- /dev/null +++ b/chunks/json/154404af7a8a8703d141682448a77c31b1747db7a7c22df8cc16f0ef33006829.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1677,"char_start":0,"chunk_id":"chk_ddca03713ce262f2","chunk_index":0,"chunk_sha256":"154404af7a8a8703d141682448a77c31b1747db7a7c22df8cc16f0ef33006829","date_utc":"2026-01-27T18:10:31+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cf35ad59fdecadfe","text_sha256":"154404af7a8a8703d141682448a77c31b1747db7a7c22df8cc16f0ef33006829","token_estimate":420,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2010-17119 (1).pdf"]},"text":"41180\n\nFederal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices\n\nPLACE: 999 E Street, NW., Washington,\nDC.\nSTATUS: This meeting will be closed to\nthe public.\nITEMS TO BE DISCUSSED: Compliance\nmatters pursuant to 2 U.S.C. 437g.\nAudits conducted pursuant to 2 U.S.C.\n437g, 438(b), and Title 26, U.S.C.\nMatters concerning participation in civil\nactions or proceedings or arbitration.\nInternal personnel rules and procedures\nor matters affecting a particular\nemployee.\n*\n*\nDATE AND TIME: Thursday, July 15, 2010,\nat 10 a.m.\nPLACE: 999 E Street, NW., Washington,\nDC (ninth floor).\nSTATUS: This meeting will be open to the\npublic.\nITEMS TO BE DISCUSSED: Correction and\nApproval of Minutes.\n\n*\n\n*\n\n*\n\nDraft Advisory Opinion 2010–09:\n\nClub for Growth, by its counsel, Carol A.\nLaham, Esq., and D. Mark Renaud, Esq.,\nof Wiley Rein LLP.\n\nDraft Advisory Opinion 2010–10:\nNational Right to Life Political Action\nCommittee, by its counsel, Barry A.\nBostrom, Esq., James Bopp, Jr., Esq., and\nZachary S. Kester, Esq., of Bopp,\nColeson & Bostrom.\n\nDraft Advisory Opinion 2010–11:\n\nCommonsense Ten, by its counsel, Marc\nE. Elias, Esq., and Ezra Reese, Esq., of\nPerkins Coie LLP.\n\nManagement and Administrative\n\nMatters.\n\nIndividuals who plan to attend and\nrequire special assistance, such as sign\nlanguage interpretation or other\nreasonable accommodations, should\ncontact Darlene Harris, Deputy\nCommission Secretary, at (202) 694–\n1040, at least 72 hours prior to the\nhearing date.\nPERSON TO CONTACT FOR INFORMATION:\nJudith Ingram, Press Officer; Telephone:\n(202) 694–1220.\n\nShawn Woodhead Werth,\nSecretary and Clerk of the Commission.\n[FR Doc. 2010–17052 Filed 7–14–10; 8:45 am]\n"} diff --git a/chunks/json/156118ba0152b6558b3b9a5c390f45796cade86bdca8b1880ce7198d12a3f8da.json b/chunks/json/156118ba0152b6558b3b9a5c390f45796cade86bdca8b1880ce7198d12a3f8da.json new file mode 100644 index 0000000000000000000000000000000000000000..2e8d901b6172e34021133353d32330684a3a49c0 --- /dev/null +++ b/chunks/json/156118ba0152b6558b3b9a5c390f45796cade86bdca8b1880ce7198d12a3f8da.json @@ -0,0 +1 @@ +{"chunk":{"char_end":15490,"char_start":12625,"chunk_id":"chk_3b27b3fad0abc835","chunk_index":7,"chunk_sha256":"156118ba0152b6558b3b9a5c390f45796cade86bdca8b1880ce7198d12a3f8da","date_utc":"2026-01-27T17:48:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_34892c2649958e0d","text_sha256":"156118ba0152b6558b3b9a5c390f45796cade86bdca8b1880ce7198d12a3f8da","token_estimate":737,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Stress_Tests_Reports___Fannie_Mae___Freddie_Mac____nj4oqd.md"]},"text":"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\n\n[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/376&order=field_release_date&sort=asc) Report Attachment August 15, 2025 [2024 Dodd-Frank Act Stress Test Results - Severely Adverse Scenario](/reports/stress-tests-report/2024) [Read Report](/document/2024-dodd-frank-act-stress-test-results) August 15, 2025 [2025 Dodd-Frank Act Stress Test Results - Severely Adverse Scenario](/reports/stress-tests-report/2025) [Read Report](/document/2025-dodd-frank-act-stress-test-results) August 10, 2023 [2023 Dodd-Frank Act Stress Test Results - Severely Adverse Scenario](/reports/stress-tests-report/2023) [Read Report](/media/51751) August 12, 2022 [2022 Dodd-Frank Act Stress Test Results - Severely Adverse Scenario](/reports/stress-tests-report/2022) [Read Report](/media/30056) August 13, 2021 [2021 Dodd-Frank Act Stress Test Results - Severely Adverse Scenario](/reports/stress-tests-report/2021) [Read Report](/media/30476) August 12, 2021 [2020 Dodd-Frank Act Stress Test Results - Severely Adverse Scenario](/reports/stress-tests-report/2020) [Read Report](/media/30286) August 15, 2019 [2019 Dodd-Frank Act Stress Test Results - Severely Adverse Scenario](/reports/stress-tests-report/2019) [Read Report](/media/30026) August 07, 2018 [2018 Dodd-Frank Act Stress Tests Results - Severely Adverse Scenario](/reports/stress-tests-report/2018) [Read Report](/document/2018-dfast-severely-adverse-scenario) August 07, 2017 [2017 Dodd-Frank Act Stress Tests Results - Severely Adverse Scenario](/reports/stress-tests-report/2017) [Read Report](/document/2017-dfast-severely-adverse-scenario.pdf) August 08, 2016 [Dodd-Frank Act Stress Tests - Severely Adverse Scenario](/reports/stress-tests-report/2016) [Read Report](/document/2016-dfast-severely-adverse-scenario) April 30, 2015 [Dodd-Frank Act Stress Tests - Severely Adverse Scenario](/reports/stress-tests-report/2015) [Read Report](/document/2015-dfast-severely-adverse-scenario) April 30, 2014 [Projections of the Enterprises' Financial Performance (Stress Tests) 4/30/2014](/reports/stress-tests-report/2014) [Read Report](/media/24956) October 26, 2012 [Projections of the Enterprises’ Financial Performance - October 2012](/reports/stress-tests-report/2012) [Read Report](/media/23791) October 27, 2011 [Projections of the Enterprises’ Financial Performance - October 2011](/reports/stress-tests-report/2011) [Read Report](/document/enterprises-financial-performance-projections-2011) October 21, 2010 [Projections of the Enterprises’ Financial Performance - October 2010](/reports/stress-tests-report/2010) [Read Report](/document/enterprises-financial-performance-projections-oct-2010)\n"} diff --git a/chunks/json/1563ce091b4b8565d1a5a452b88730f1df67fbe8f837f0d5970db2bbc2a745ec.json b/chunks/json/1563ce091b4b8565d1a5a452b88730f1df67fbe8f837f0d5970db2bbc2a745ec.json new file mode 100644 index 0000000000000000000000000000000000000000..916393dd42c87e02115002fd656851a4babae30e --- /dev/null +++ b/chunks/json/1563ce091b4b8565d1a5a452b88730f1df67fbe8f837f0d5970db2bbc2a745ec.json @@ -0,0 +1 @@ +{"chunk":{"char_end":97766,"char_start":96113,"chunk_id":"chk_cf6fd5a5db9e1a56","chunk_index":55,"chunk_sha256":"1563ce091b4b8565d1a5a452b88730f1df67fbe8f837f0d5970db2bbc2a745ec","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"1563ce091b4b8565d1a5a452b88730f1df67fbe8f837f0d5970db2bbc2a745ec","token_estimate":414,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"As an example, in the most common scenario where the lender is the client, select both of those Roles when\ninputting the lender contact information to provide context that the lender is also the client.\n\nAllowable Answer\n\nAppraisal Management\nCompany (AMC)\n\nAttorney\n\nClient\n\nInvestor\n\nLender\n\nOther\n\nLender, Client, and AMC: Role (Choose one or more for each Contact)\n\nDefinition / Additional Guidance\n\nNotes:\n•\n•\n•\n\nIf there is an AMC for the assignment, it must be identified in addition to the lender.\nDo not select this answer if there is no AMC for the assignment, i.e., do not populate with “No AMC”.\nIn some jurisdictions, the appraiser is required to identify the AMC as the client. In those cases, choose both AMC\nand Client as the Role for the AMC.\n\nA person admitted to practice law in at least one jurisdiction and authorized to perform criminal and civil legal functions on\nbehalf of clients.\nNote: Select this answer when an attorney has ordered the appraisal (is the client).\n\nSelect one contact to be the client.\nFor FHA, VA and USDA appraisals, reference the appropriate government agency appraisal guidelines.\n\nThe party who engages an appraiser by employment or contract in a specific assignment whether directly or through an\nagent.\nNotes:\n•\n•\nExamples:\n•\n•\n•\n\nThe lender is the client.\nThe AMC is the client for jurisdictions in which the AMC is required to be noted as the client in the report.\nAnother entity, such as Attorney or Investor is the client.\n\nThe entity that purchases or holds the loan on the property.\nNote: Select this answer when the investor has ordered the appraisal (is the client), such as for REO appraisals.\n"} diff --git a/chunks/json/1570dd99615a745c842a3059546db5127aaadfe241b7838fbafdbd770dcdccc2.json b/chunks/json/1570dd99615a745c842a3059546db5127aaadfe241b7838fbafdbd770dcdccc2.json new file mode 100644 index 0000000000000000000000000000000000000000..3511cdea9a09930db59ddd7b75de22b4c0449429 --- /dev/null +++ b/chunks/json/1570dd99615a745c842a3059546db5127aaadfe241b7838fbafdbd770dcdccc2.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1220132,"char_start":1218234,"chunk_id":"chk_ce6e6e0eca019b37","chunk_index":724,"chunk_sha256":"1570dd99615a745c842a3059546db5127aaadfe241b7838fbafdbd770dcdccc2","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1570dd99615a745c842a3059546db5127aaadfe241b7838fbafdbd770dcdccc2","token_estimate":475,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Comparable Has\nPrior Sales Indicator\n\nIndicates whether the comparable\nproperty has prior sales history.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/RESEARCH/COMPARABLE[@_HasPriorSalesIndicator=‘Y’]\n\nComparable Has\nPrior Sales Indicator\n\nIndicates whether the comparable\nproperty has prior sales history.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/RESEARCH/COMPARABLE[@_HasPriorSalesIndicator=‘N’]\n\n1\n\n1\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nComparable Prior Sales History\nData Source(s)\n\nData Source\nDescription\n\nA free-form text field used to describe the\nsource of information.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/RESEARCH/COMPARABLE/@DataSourceDescription\n\n150\n\nString\n\nThis field should indicate the data sources for the comparables’ prior sale history.\n\nIf field 2-106 (Sales History Researched\nIndicator = 'N') is indicated, this field should be\npopulated.\n\nOne and only one of fields 2-108, 2-109 (values\nof Subject Has Prior Sales Indicator) must be\nindicated.\n\nOne and only one of fields 2-108, 2-109 (values\nof Subject Has Prior Sales Indicator) must be\nindicated.\n\nOne and only one of fields 2-111, 2-112 (values\nof Comparable Has Prior Sales Indicator) must\nbe indicated.\n\nOne and only one of fields 2-111, 2-112 (values\nof Comparable Has Prior Sales Indicator) must\nbe indicated.\n\nDate of Prior Sale/Transfer\nSUBJECT\n\nGSE Prior Sale Date\n\nThe date of the prior sale of the subject or\ncomparable properties.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0’]/PRIOR\n_SALES/PRIOR_SALES_EXTENSION/PRIOR_SALES_EXTENSION_S\nECTION[@ExtensionSectionOrganizationName\n='UNIFORM APPRAISAL DATASET ']/\nPRIOR_SALES_EXTENSION_SECTION_DATA/PRIOR_SALE/@GSEP\nriorSaleDate\n"} diff --git a/chunks/json/15832ff4775db4b140d9fb7e9f750b29cae5ce6bd1b3da0b7b1e84d2d807a976.json b/chunks/json/15832ff4775db4b140d9fb7e9f750b29cae5ce6bd1b3da0b7b1e84d2d807a976.json new file mode 100644 index 0000000000000000000000000000000000000000..5a332d4029e74a4e647b14f59d9a5405760ea25b --- /dev/null +++ b/chunks/json/15832ff4775db4b140d9fb7e9f750b29cae5ce6bd1b3da0b7b1e84d2d807a976.json @@ -0,0 +1 @@ +{"chunk":{"char_end":1619,"char_start":0,"chunk_id":"chk_065485ad57270a28","chunk_index":0,"chunk_sha256":"15832ff4775db4b140d9fb7e9f750b29cae5ce6bd1b3da0b7b1e84d2d807a976","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"15832ff4775db4b140d9fb7e9f750b29cae5ce6bd1b3da0b7b1e84d2d807a976","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Uniform Closing Dataset (UCD) Specification\nIssued by Fannie Mae and Freddie Mac\nAppendix E: UCD Implementation Guide\nDocument Version 1.4\nDecember 11, 2018\n\nIn support of the\nIntegrated Mortgage Closing Disclosure under the\nReal Estate Settlement Procedures Act (Regulation X)\nand the Truth in Lending Act (Regulation Z)\nIssued by the CONSUMER FINANCIAL PROTECTION BUREAU\nPublished in the Federal Register on December 31, 2013\n\nand all subsequent amendments and corrections:\n83 FR 19159 (May 2, 2018)\n82 FR 37656 (August 11, 2017)\n81 FR 7032 (February 10, 2016)\n80 FR 80228 (December 24, 2015)\n80 FR 43911 (July 24, 2015)\n80 FR 8767 (Feb. 19, 2015)\n80 FR 43911 (July 24, 2015)\n80 FR 80228 (December 24, 2015)\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n©2018 Freddie Mac and Fannie Mae. All Rights Reserved. MISMO® is a registered trademark of the Mortgage Industry Standards Maintena nce\nOrganization.\n\nUniform Closing Dataset\n\nRevision History\n\nREVISION HISTORY\n\nDate\n\nVersion\nNumber\n\nDecember 11, 2018\n\n1.4\n\nMarch 31, 2017\n\nMay 31, 2016\n\n1.3\n\n1.2\n\nTable 1. Appendix E Revision History\n\nRevision Description\n\nChanges to this document fall into the following four categories:\n• Updates driven by TILA/RESPA Integrated Disclosure Regulation amendment\n\no Exemption of discount points from Reg Z points & fees: IV.B.1. To Support ATR and\n\nQM Requirements\n\n• Changes to reflect revised property seller data delivery requirements\n• Corrections and revisions to align with Appendix I, v1.5\n"} diff --git a/chunks/json/15850d643992f11631bd3178c8f2003ad367e2e832834fa5b77dfb4c774b5599.json b/chunks/json/15850d643992f11631bd3178c8f2003ad367e2e832834fa5b77dfb4c774b5599.json new file mode 100644 index 0000000000000000000000000000000000000000..f1e04aa36c574aca9bfbf333c68f48b4eeea99cb --- /dev/null +++ b/chunks/json/15850d643992f11631bd3178c8f2003ad367e2e832834fa5b77dfb4c774b5599.json @@ -0,0 +1 @@ +{"chunk":{"char_end":405391,"char_start":403612,"chunk_id":"chk_965acc03014aaadf","chunk_index":227,"chunk_sha256":"15850d643992f11631bd3178c8f2003ad367e2e832834fa5b77dfb4c774b5599","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"15850d643992f11631bd3178c8f2003ad367e2e832834fa5b77dfb4c774b5599","token_estimate":445,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"gse:LateChargeAmou\nnt\n\n100.00\n\ngse:LateChargeGrace\nPeriodDaysCount\n\n10\n\nROF as “$100.00”\n\nROF as “10 days late”\n\ngse:LateChargeType FlatDollarAmount\n\nROF as “$”\n\nSecond instance of LATE_CHARGE_RULE\n\n17.3 … a late fee of ___\n\nOR ___\n\n…/gse:LATE_CHARGE\n_RULE\n\ngse:LateChargeRateP\nercent\n\n2.0000\n\nROF as “2% of”\n\n17.3 … a late fee of ___\n\nOR ___\n\ngse:LateChargeType PercentageOfTotalPa\n\nyment\n\nROF as “the monthly\nprincipal and interest\npayment.”\n\nEnd of LATE_CHARGE_RULE Instances\n\n17.1  will allow\n\n…/LOAN_DETAIL\n\n will not allow\n\n17.2  has\n\n17.4 |\n4.1.3\n\n17.4 |\n4.1.3\n\n does not have\n\n are scheduled…\n may have…\n do not have…\n\n are scheduled…\n may have…\n do not have…\n\nAssumabilityIndicato\nr\n\nfalse\n\nDemandFeatureIndic\nator\n\nfalse\n\nNegativeAmortizatio\nnIndicator\n\ntrue\n\nROF as “ will not\nallow”\n\nROF as “ does not\nhave”\n\nROF as either “\nmay have” or “ are\nscheduled”\n\n…/NEGATIVE_AMOR\nTIZATION_RULE\n\nNegativeAmortizatio\nnType\n\nPotentialNegativeAm\nortization\n\nROF as “ may\nhave…”\n\n17.5  may accept ….\n\n…/PAYMENT_RULE\n\n may hold…\n does not\n\nPartialPaymentAllow\nedIndicator\n\ntrue\n\nROF as either “\nmay accept”\n\n17.5  may accept ….\n\n may hold…\n does not\n\n…/PAYMENT/PARTIA\nL_PAYMENTS/PARTIA\nL_PAYMENT\n\nPartialPaymentApplic\nationMethodType\n\nApplyPartialPayment ROF as “ may\n\naccept”\n\nAppendix E: UCD Implementation Guide\n\nPage 189 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n17.0 Loan Disclosures\n\nA. MAPPI NG GUI DANCE\n\n17.1 | 17.2 | 17.4 | 17.5 - These disclosures provide a series of statements in text mandated by the Regulation,\ndescribing the possible features of the loan. Lenders check the box next to the statement that applies. The data\npoints needed to indicate which boxes are checked are Indicators and enumerated Types as illustrated in Table\n125.\n"} diff --git a/chunks/json/1591f08f6a3763cc65f887d39ca94a4cded446d9e6ad5569ca1a32e1cfb70a65.json b/chunks/json/1591f08f6a3763cc65f887d39ca94a4cded446d9e6ad5569ca1a32e1cfb70a65.json new file mode 100644 index 0000000000000000000000000000000000000000..5f0f6e3c1b1a826b001c376ec0981c5ec3050943 --- /dev/null +++ b/chunks/json/1591f08f6a3763cc65f887d39ca94a4cded446d9e6ad5569ca1a32e1cfb70a65.json @@ -0,0 +1 @@ +{"chunk":{"char_end":24800,"char_start":23111,"chunk_id":"chk_3f2c20ced6f12dc1","chunk_index":14,"chunk_sha256":"1591f08f6a3763cc65f887d39ca94a4cded446d9e6ad5569ca1a32e1cfb70a65","date_utc":"2026-01-27T18:32:52+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_326eb9ac34de11c7","text_sha256":"1591f08f6a3763cc65f887d39ca94a4cded446d9e6ad5569ca1a32e1cfb70a65","token_estimate":423,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF3_Appraisal/_.pdf/SF3_Appraisal_v1.3.pdf"]},"text":"Financially Feasible\nMaximally Productive\n\nYes\nYes\n\nYes No\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  \n\nMarket\n\nMarket Area Boundary Route 7 to the north, Route 611 to the east and Route 50 to the south and west\n\nSearch Criteria Description Limiting factors of the market search include a Lot Size between 10 and 20 acres with a property containing an\nADU. 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\nbathrooms. Vehicle Storage greater than or equal to a 2-car garage. Closing dates between 08/18/2018 and 08/30/2019. And, equivalent zoning\nthat allows agricultural and residential use.\n\nSearch Result Metrics\n\nActive Listings\n\nMedian Days on Market\nLowest List Price\nMedian List Price\nHighest List Price\n\nPending Sales\n\n15\n125\n$599,900\n$810,000\n$875,000\n3\n\nSales in Past 12 Months\n\nLowest Sale Price\nMedian Sale Price\nHighest Sale Price\n\nDistressed Market Competition\nGraph\n\nPrice Trend Source\n\n34\n$599,900\n$810,000\n$949,999\nNo\nAbsorption Rate\nMedian Days on Market\nPrice Trend\nXYZ Housing Data\n\nHousing Trends\n\nDemand/Supply\n\nMarket Commentary\n\nIn Balance\n\nMarketing Time\n\n3 to 6 Months\n\nSales prices have been steady to slightly rising at approximately 1.5% to 2.5% annually. Supply and demand are currently balanced. Days on\nMarket for the settled sales were predominately in the 80 - 100 days range. Days on Market of current listings is trending higher than recent\nsales due to the market entering the typically slower fall and winter periods. Absorption rate is 3 - 4 sales per month with a 4 - 5-month supply.\n"} diff --git a/chunks/json/15932dc4a9042b427b91ec1fe6c4c2e5781aec58dc2915b18d48e98c7550cdad.json b/chunks/json/15932dc4a9042b427b91ec1fe6c4c2e5781aec58dc2915b18d48e98c7550cdad.json new file mode 100644 index 0000000000000000000000000000000000000000..3f0af4bde0958ad7ab3df3e8b0dc12b95f2e6609 --- /dev/null +++ b/chunks/json/15932dc4a9042b427b91ec1fe6c4c2e5781aec58dc2915b18d48e98c7550cdad.json @@ -0,0 +1 @@ +{"chunk":{"char_end":12327,"char_start":10497,"chunk_id":"chk_54c39a364bf29e13","chunk_index":6,"chunk_sha256":"15932dc4a9042b427b91ec1fe6c4c2e5781aec58dc2915b18d48e98c7550cdad","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e6198def01e57e81","text_sha256":"15932dc4a9042b427b91ec1fe6c4c2e5781aec58dc2915b18d48e98c7550cdad","token_estimate":457,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Mortgage_Loan_and_Natural_Disaster_Dashboard_Instr_oi7g4.md"]},"text":"### **Acquisition Distribution by Risk Rating Tab**\n\nThe Acquisition Distribution by Risk Rating Tab in the “Select Chart/Table” filter shows the total acquisition UPB distributed in each risk rating category. The first chart shows the Single-Family Acquisition UPB distribution, and the chart below shows the Multifamily Acquisition UPB distribution. Figure 1 shows the nationwide information by composite risk rating. Selecting communities and hazards in the filter box, number 3 in Figure 1, allows users to see the UPB distribution of a state, county, and census tract by 18 hazards.\n\n### **National Risk Index Tab**\n\nThe National Risk Index tab in the “Select Chart/Table” filter shows the census tract-level risk index for 18 hazards and composite risk. These represent census tract-level data, and no results will be shown unless a census tract is selected in the geographic filter area.\n\nOnce a state is selected in the “State” filter, the map will zoom to the state and the state averages will be populated. Once the “County” filter is selected, the map will zoom to the county. The table on the right-hand side of the map show the census tracts NRI indices for the selected hazard, the Social Vulnerability Index, and the Resilience Index. The first column of the circles shows the census tract’s index, the state average index in the second column, and the national average in the third. Below the colored circles are the census tract-level expected annual losses for composite risk and the selected hazard. To see total expected annual loss broken down into each hazard type for the selected census tract, hover over any of the “Expected Annual Loss Composite ($)” cells. The tab provides information on 18 hazards and composite risk, and users can select hazard in the “Risk Type” filter in the third filter box.\n"} diff --git a/chunks/json/1596b5fe41b30bde082075eacf49441669170e7e925d47986e8ab0263a3f1dd0.json b/chunks/json/1596b5fe41b30bde082075eacf49441669170e7e925d47986e8ab0263a3f1dd0.json new file mode 100644 index 0000000000000000000000000000000000000000..94d38176b272779e428c17ffbf4ddbf139b30af3 --- /dev/null +++ b/chunks/json/1596b5fe41b30bde082075eacf49441669170e7e925d47986e8ab0263a3f1dd0.json @@ -0,0 +1 @@ +{"chunk":{"char_end":11898,"char_start":10260,"chunk_id":"chk_c4df6d665416e3e3","chunk_index":6,"chunk_sha256":"1596b5fe41b30bde082075eacf49441669170e7e925d47986e8ab0263a3f1dd0","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6d5adf56d1237dd1","text_sha256":"1596b5fe41b30bde082075eacf49441669170e7e925d47986e8ab0263a3f1dd0","token_estimate":409,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH2_Appraisal/_.pdf/MH2_Appraisal_v1.3.pdf"]},"text":"Manufactured Home Exhibits\n\nHUD Data Plate\n\nHUD Certification Label - Section 1\n\nThis is where the HUD Data Plate photo would display.\n\nThis is where the HUD Certification Label would display.\n\nAppraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 7 of 20\n\nManufactured Home (continued)\n\nHUD Certification Label - Section 2\n\nManufactured Home Certification\n\nThis is where the HUD Certification Label would display.\n\nManufactured Home Certification\n\nSkirting\n\nThis is where the Skirting photo would display.\n\nUnit Interior\n\nArea Breakdown\n\nFinished Above Grade\nUnfinished Above Grade\nFinished Below Grade\nUnfinished Below Grade\n\nArea Data Source\n\nLevel and Room Detail\n\n1,568 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\n0 Sq. Ft.\nPhysical Measurement\n\nLevels in Unit\nOccupancy\nTotal Bedrooms\nTotal Bathrooms - Full\nTotal Bathrooms - Half\n\n1\nOwner\n3\n2\n0\n\nLevel in Unit\nLevel 1\n\nGrade Level Detail\nAbove Grade\n\nFinish\nFinished\n\nArea\n1,568 Sq. Ft.\n\nRoom Summary\n2 - Bath - Full\n3 - Bedroom\n1 - Dining Room\n1 - Kitchen\n1 - Laundry Room\n1 - Living Room\n\nQuality and Condition\n\nInterior Quality Rating\n\nQ3\n\nInterior Condition Rating\n\nC2\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report\n\nKitchen and Bathroom Details\n\nRoom\nKitchen\nLevel 1\n\nBath - Full\nLevel 1\n\nBath - Full\nLevel 1\n\nUpdate Status\nFully Updated\n\nTime Frame\n1-5 Years\n\nFully Updated\n\n1-5 Years\n\nFully Updated\n\n1-5 Years\n\nQuality Comment\nAll appliances are\nEnergy Star® Rated,\ncountertops are solid\nsurface.\n"} diff --git a/chunks/json/15c5ac181b6d05062831aca9ba5c8c9a89e963034e74a902a3e90c45847bbcca.json b/chunks/json/15c5ac181b6d05062831aca9ba5c8c9a89e963034e74a902a3e90c45847bbcca.json new file mode 100644 index 0000000000000000000000000000000000000000..b5e3855dccfb4408af589541484b64bf271cd4ab --- /dev/null +++ b/chunks/json/15c5ac181b6d05062831aca9ba5c8c9a89e963034e74a902a3e90c45847bbcca.json @@ -0,0 +1 @@ +{"chunk":{"char_end":10346,"char_start":8681,"chunk_id":"chk_b0d13371a8bf901b","chunk_index":5,"chunk_sha256":"15c5ac181b6d05062831aca9ba5c8c9a89e963034e74a902a3e90c45847bbcca","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_8cd058ee3404bf51","text_sha256":"15c5ac181b6d05062831aca9ba5c8c9a89e963034e74a902a3e90c45847bbcca","token_estimate":412,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Statements___FHFA_1jeous.md"]},"text":"#### Search & Filter\n\nKeyword\n\nDate Range From:\n\nTo:\n\nItems per page 10 25 50\n\n## Search & Filter\n\nKeyword\n\nDate Range From:\n\nTo:\n\nItems per page 10 25 50\n\n- Statement\n\nJuly 11, 2025\n\n## [Statement from Chairman of the Board of Fannie Mae and Freddie Mac William J. Pulte on Reports that Jerome Powell Is Considering Resigning](/news/statement/statement-from-chairman-of-the-board-of-fannie-mae-and-freddie-mac-william-j.-pulte-on-reports-that-jerome-powell-is-considering-resigning)\n\nWashington, D.C. – “I’m encouraged by reports that Jerome Powell is considering resigning. I think this will be the right decision for America, and the economy will boom.” ### The Federal Housing Finance Agency regulates Fannie Mae, Freddie Mac, and the 11 Federal Home Loan Banks. These government...\n - Statement\n\nSeptember 30, 2024\n\n## [Statement of Director Sandra L. Thompson on the Advisory Bulletin to the Federal Home Loan Bank System on Climate Risk](/news/statement/statement-of-director-sandra-l.-thompson-on-the-advisory-bulletin-to-the-federal-home-loan-bank)\n\nThe Federal Housing Finance Agency (FHFA) issued today an Advisory Bulletin to the Federal Home Loan Bank (FHLBank) System, AB 2024-04: FHLBank System Climate-Related Risk Management, following extensive outreach to the System’s members and other relevant stakeholders through the FHLBank System at...\n - Statement\n\nSeptember 10, 2024\n\n## [Statement from Director Sandra L. Thompson on Diana Reid’s Appointment as CEO of the Federal Home Loan Mortgage Corporation (Freddie Mac)](/news/statement/statement-from-director-sandra-l.-thompson-on-diana-reids-appointment-as-ceo-of-freddie-mac)\n"} diff --git a/chunks/json/15d343bf793af640065d66611dc68b2aa43213dd1e74cd3fbcfa91717b416507.json b/chunks/json/15d343bf793af640065d66611dc68b2aa43213dd1e74cd3fbcfa91717b416507.json new file mode 100644 index 0000000000000000000000000000000000000000..aa7bc83f8123df4e5d1a9aea48b3c7277b64c77f --- /dev/null +++ b/chunks/json/15d343bf793af640065d66611dc68b2aa43213dd1e74cd3fbcfa91717b416507.json @@ -0,0 +1 @@ +{"chunk":{"char_end":30928,"char_start":29256,"chunk_id":"chk_2609dbc3d6ace372","chunk_index":17,"chunk_sha256":"15d343bf793af640065d66611dc68b2aa43213dd1e74cd3fbcfa91717b416507","date_utc":"2026-01-27T18:07:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_221a19b69e218256","text_sha256":"15d343bf793af640065d66611dc68b2aa43213dd1e74cd3fbcfa91717b416507","token_estimate":418,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/_.pdf/SF5A_Appraisal_v1.1.pdf"]},"text":"Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 18 of 19\nPage 18 of 19\n\ndiscover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this appraisal report must\nnot be considered as an environmental assessment of the property.\n\nCertifications\n\nAppraiser Certifications\n\nThe Appraiser certifies and agrees that:\n\n1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective\nowners or occupants of the subject property, or other parties involved in this transaction.\n\n2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this\nreport, or the demographics of the area where the property is located.\n\n3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that apply\nto the appraiser and to the assignment.\n\n4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity),\nage (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present or\nprospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis prohibited\nby the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.\n"} diff --git a/chunks/json/15e9a4feace515017a52c60c973e8f5bd4b86c9a8d3d35034c08a04d5aa50321.json b/chunks/json/15e9a4feace515017a52c60c973e8f5bd4b86c9a8d3d35034c08a04d5aa50321.json new file mode 100644 index 0000000000000000000000000000000000000000..d6e422debf1ade9d2086e72819174197ed1447e1 --- /dev/null +++ b/chunks/json/15e9a4feace515017a52c60c973e8f5bd4b86c9a8d3d35034c08a04d5aa50321.json @@ -0,0 +1 @@ +{"chunk":{"char_end":84785,"char_start":83184,"chunk_id":"chk_41d2d500a30f7a2a","chunk_index":46,"chunk_sha256":"15e9a4feace515017a52c60c973e8f5bd4b86c9a8d3d35034c08a04d5aa50321","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"15e9a4feace515017a52c60c973e8f5bd4b86c9a8d3d35034c08a04d5aa50321","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Example IV-5. Container Attributes--LoanRoleType\n\nLoanRoleType = SubjectLoan: Use this value for all instances of the LOAN\ncontainer that specifically describe the loan being delivered to the GSE.\n\nLoanRoleType = RelatedLoan: Use this value for all instances of the LOAN\ncontainer that report on loans having some sort of relationship to the\nSubjectLoan. Usually, LOAN containers will have a value of RelatedLoan if they\nprovide information about subordinate liens.\n\nNotes: Each GSE has a specific implementation of the RelatedLoan, so refer to\n\nthe GSE-specific Implementation Guides for Loan Delivery Data for more\ninformation.\n\nF. Additions: The EXTENSION Container\n\nSee Section VI. V3.0 Reference Model Features Not Used in the ULDDS.\n\nG. Container-Specific Concepts: Loan State and Loan Role\n\n1. Definitions\n\nThe LOAN_STATE container (Child of LOAN) holds two data points—LoanStateType\nand LoanStateDate. The values in LoanStateType and LoanStateDate indicate the\npoint in time for which the other data points within the same Parent LOAN container\nare valid.\n\nTable IV-6 lists the five “snapshots in time” that can be communicated with the\nMISMO data point LoanStateType. Along with the value in LoanRoleType, these\ndata points lend additional meaning to the other data points in the same LOAN\ncontainer. The LoanStateDate specifies the “effective” date for the LoanStateType.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 35 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n"} diff --git a/chunks/json/1600cd4e6d0fe85beee1244d3ceb60c2f27b36826416c4cad8a63a795760013a.json b/chunks/json/1600cd4e6d0fe85beee1244d3ceb60c2f27b36826416c4cad8a63a795760013a.json new file mode 100644 index 0000000000000000000000000000000000000000..044c02ed47647ebb6f30165ba3f6ac7d163c1182 --- /dev/null +++ b/chunks/json/1600cd4e6d0fe85beee1244d3ceb60c2f27b36826416c4cad8a63a795760013a.json @@ -0,0 +1 @@ +{"chunk":{"char_end":757449,"char_start":755849,"chunk_id":"chk_99f57fa059de0e2d","chunk_index":451,"chunk_sha256":"1600cd4e6d0fe85beee1244d3ceb60c2f27b36826416c4cad8a63a795760013a","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"1600cd4e6d0fe85beee1244d3ceb60c2f27b36826416c4cad8a63a795760013a","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Additional Supervisory Appraiser Certifications\n\nReport\nField ID\n\nNot on\nReport\n\nReport Label\n\nWhen to Include\n\nThis is an\nappraiser input\nthat does not\ndisplay\n\nRequired when there\nis a Supervisory\nAppraiser\n\nAllowable\nAnswers / Format\n\nYes | No\n\nDefinition / Additional Guidance\n\nAdditional Supervisory Appraiser Certifications\nIndicates whether there are additional appraiser certifications.\n\nN/A\n\n29.061\n29.062\n\nDisplays when\nAdditional Supervisory\nAppraiser\nCertifications is Yes\n\nFree-form\n\nAdditional Supervisory Appraiser Certification Text\nAdditional certifications that are required, such as designations.\n\nNotes:\n•\n\nAdditional supervisory appraiser certifications cannot be contrary to, and\nshould not repeat, the predefined supervisory appraiser certification text.\nAny prior services by the Supervisory Appraiser are reported here.\n\nSignature\n\n•\n\nThe Signature subsection always displays and repeats for each person (Appraiser and / or Supervisory Appraiser)\nwho is signing the report. Only Appraisers and Supervisory Appraisers can sign the report.\n\nMost of the information in this subsection redisplays from Assignment Information.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n29.063 Appraiser or\nSupervisory\nAppraiser\n\nAlways displays for\neach person signing\nthe report\n\nAppraiser or\nSupervisory\nAppraiser\n\nSignature\n\nDefinition / Additional Guidance\n\nAppendix F-1: URAR Reference Guide\n\nPage 344 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n29 Certifications and Scope of Work\n\nSignature\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n29.065 N/A\n"} diff --git a/chunks/json/160ff98d7b2b9163781fed3ceafb052c3d291040f59f180c7a401b6af724306c.json b/chunks/json/160ff98d7b2b9163781fed3ceafb052c3d291040f59f180c7a401b6af724306c.json new file mode 100644 index 0000000000000000000000000000000000000000..5711d7aec48280af6339ab92960790f8464c7f81 --- /dev/null +++ b/chunks/json/160ff98d7b2b9163781fed3ceafb052c3d291040f59f180c7a401b6af724306c.json @@ -0,0 +1 @@ +{"chunk":{"char_end":298717,"char_start":297109,"chunk_id":"chk_7eaf21c95ef7a9d7","chunk_index":160,"chunk_sha256":"160ff98d7b2b9163781fed3ceafb052c3d291040f59f180c7a401b6af724306c","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"160ff98d7b2b9163781fed3ceafb052c3d291040f59f180c7a401b6af724306c","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"8.11 N/A - XML\n\n…/ESCROW_ITEM/ES\nCROW_ITEM_DETAIL\n\nEscrowCollectedNum\nberOfMonthsCount\n\n2\n\nROF as “for 2 mo.”\n\nEscrowItemType\n\nHomeownersInsuran\nce\n\n@gse:DisplayLabelTe\nxt\n\nHomeowners\nInsurance\n\nROF as\n“Homeowners\nInsurance”\n\nEscrowMonthlyPaym\nentAmount\n\n100.83\n\nROF as “$100.83 per\nmonth”\n\nIntegratedDisclosure\nSectionType\n\nInitialEscrowPayment\nAtClosing\n\nNot Shown\n\n8.11.2 Borrower-Paid At\nClosing ($)\n\n8.11.2 Borrower-Paid\n\n…/ESCROW_ITEM/ES\nCROW_ITEM_PAYME\nNTS/ESCROW_ITEM_\nPAYMENT\n\n8.11.2 At Closing\n\nEscrowItemActualPay\nmentAmount\n\n201.66\n\nEscrowItemPayment\nPaidByType\n\nBuyer\n\nEscrowItemPayment\nTimingType\n\nAtClosing\n\nSecond Instance of ESCROW_ITEM\n\nROF as “$201.66”\n\nROF as “Borrower-\nPaid”\n\n8.12.1 Mortgage Insurance\n\n($ per month for #\nmo.)\n\n…/ESCROW_ITEM/ES\nCROW_ITEM_DETAIL\n\nEscrowCollectedNum\nberOfMonthsCount\n\n2\n\nROF as “for 2 mo.”\n\n8.12\n\nUID\n8.821\n\n8.12.1\n\nMortgage Insurance\n\nMortgage Insurance\n($ per month for #\nmo.)\n\n8.12 N/A-XML\n\n8.12.2 Borrower-Paid At\nClosing ($)\n\n8.12.2 Borrower-Paid\n\n…/ESCROW_ITEM/ES\nCROW_ITEM_PAYME\nNTS/ESCROW_ITEM_\nPAYMENT\n\nEscrowItemType\n\nMortgageInsurance\n\n@gse:DisplayLabelTe\nxt\n\nMortgage Insurance ROF as “Mortgage\n\nInsurance”\n\nEscrowMonthlyPaym\nentAmount\n\n109.00\n\nROF as “$109.00 per\nmonth”\n\nIntegratedDisclosure\nSectionType\n\nInitialEscrowPayment\nAtClosing\n\nEscrowItemActualPay\nmentAmount\n\n218.00\n\nNot Shown – ties\nassociated\nEscrowItemType to\nthis category of\nOther Costs table\n\nROF as “$218.00”\n\nEscrowItemPayment\nPaidByType\n\nBuyer\n\nROF as “Borrower-\nPaid”\n\n8.12.2 At Closing\n\nEscrowItemPayment\nTimingType\n\nAtClosing\n\nAppendix E: UCD Implementation Guide\n"}