Add files using upload-large-folder tool

.gitattributes

@@ -62,3 +62,8 @@ APPRAISAL_RAG/export/instruction/instruction.jsonl filter=lfs diff=lfs merge=lfs
 APPRAISAL_RAG/export/rag/fts.sqlite filter=lfs diff=lfs merge=lfs -text
 APPRAISAL_RAG/export/rag/rag.jsonl filter=lfs diff=lfs merge=lfs -text
 APPRAISAL_RAG/export/train.csv filter=lfs diff=lfs merge=lfs -text
+export/instruction/instruction.jsonl filter=lfs diff=lfs merge=lfs -text
+export/rag/rag.jsonl filter=lfs diff=lfs merge=lfs -text
+export/train.csv filter=lfs diff=lfs merge=lfs -text
+export/corpus.xml filter=lfs diff=lfs merge=lfs -text
+export/rag/fts.sqlite filter=lfs diff=lfs merge=lfs -text

chunks/txt/e0b6f99f9d55b1d81938e92f11024cf6f8508fc4cf87427abb7deb1ddeee9840.txt

@@ -0,0 +1,46 @@
+1. MAPPI NG GUI DANCE
+
+a. 6.1 | 6.1.1 Closing Costs - even though the same data points are used for 9.1 | 9.1.1 J. TOTAL CLOSING
+
+COSTS (Borrower-Paid), they appear only once in the XML file.
+
+b. 6.1.2 Loan Costs - even though the same data points are used for 7.8 | 7.8.1 D. TOTAL LOAN COSTS
+
+(Borrower-Paid), they appear only once in the XML file.
+
+c. 6.1.3 Other Costs even though the same data points are used for 8.18 | 8.18.1 I. TOTAL OTHER COSTS
+
+(Borrower-Paid), they appear only once in the XML file.
+
+Appendix E: UCD Implementation Guide
+
+Page 105 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+6.0 Costs at Closing
+
+d. 6.1.4 Lender Credits - even though the same data points are used for 9.3 | 9.3.2 Lender Credits, they
+
+appear only once in the XML file. Lender Credits is a subsection of Total Closing Costs so is in the same
+INTEGRATED_DISCLOSURE_SECTION_SUMMARY container.
+
+e. See V. Consolidated Mapping Guidance entries for Document Specific Data and Repeatable Containers.
+
+6. 2 CASH TO CLOSE
+
+The representation on the Closing Disclosure of row 6.2 Cash to Close varies depending on whether this is a
+purchase or non-seller transaction. This value is also influenced by the total for Section K (11.0.1) on the
+Summaries of Transactions table. When this amount equals the total for Section L (12.0.1), the value for 6.2.1 is
+“0.” Figure 73 illustrates row 6.2 Cash to Close for a purchase transaction when cash is due from the
+borrower(s). The data points providing 6.2.1 Cash to Close amount are shown in the table below.
+
+Costs at Closing
+
+6.0
+
+6.1 Closing Costs
+
+6.1.1$9,712.10

chunks/txt/e0c581abbe2871dd6d3ece48f0d5bb00bb45afdcdcc3eb43c04f83318368eb34.txt

@@ -0,0 +1,92 @@
+For FHA, USDA, and VA, refer to the appropriate government agency appraisal
+guidelines.
+
+Free-form
+
+For FHA, USDA, and VA, refer to the appropriate government agency appraisal
+guidelines.
+
+the Lender, Client, or
+AMC
+
+Always required for
+the Lender, Client, or
+AMC
+
+04.007 Company
+
+Address
+
+AMC Credentials
+
+AMC licensing information must be provided when required by the jurisdiction in which the subject property is
+located. If the client is not an AMC, or if not provided, this information does not display in this subsection.
+
+Assignment Information: Contact Information – AMC Credentials
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+04.008
+
+ID
+
+If applicable
+
+Free-form
+
+04.009
+
+State
+
+If applicable
+
+2-letter USPS state
+code
+
+Definition / Additional Guidance
+
+Credential number issued by the state, referred to by the Appraisal
+Subcommittee (ASC) as “state registration tracking number.”
+
+State for the AMC credential that applies to the assignment.
+
+04.010 Expires
+
+If applicable
+
+mm/dd/yyyy
+
+Expiration date for the AMC credential.
+
+Appendix F-2: Appraisal Update Report Reference Guide
+
+Page 16 of 28
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+04 Assignment Information
+
+Appraiser and Supervisory Appraiser
+
+This portion of the Contact Information subsection shows details about the Appraiser and Supervisory
+Appraiser, if applicable. Contacts display in this subsection when Role is Appraiser or Supervisory Appraiser.
+
+Allowable Answer
+
+Appraiser
+
+Supervisory Appraiser
+
+Assignment Information: Role - Appraiser and Supervisory Appraiser
+
+Definition / Additional Guidance

chunks/txt/e0f0e2c7cdca4f4605af2def2dfcbee538d5be2d28ce5f2b87c4d3fd1a0773f4.txt

@@ -0,0 +1,51 @@
+Income Types Eligible for Validation from Authorized Providers
+
+The following income types are eligible for income validation using an asset verification report obtained from an authorized
+provider. Wage income is also eligible for employment validation.
+
+Wage Income & Employment
+
+Non-Wage Income
+
+Authorized Report Providers
+
+▪ Base
+ ▪ Bonus
+ ▪ Overtime
+ ▪ Commission
+
+▪ Alimony
+ ▪ Child Support
+ ▪ Disability
+ ▪ Pension
+ ▪ Social Security
+ ▪ VA Benefit (Non-Education)
+
+▪ AccountChek by Informative Research
+ ▪ Blend
+ ▪ Finicity, a Mastercard Company
+ ▪ FinLocker
+ ▪ Plaid
+ ▪ PointServ
+
+Employment Validation
+
+A borrower’s employment may be validated when DU can attribute a direct deposit transaction history within the asset report
+data to a borrower’s employment income source entered in DU. When employment is validated, the validation satisfies the
+Selling Guide requirement for verbal verification of employment described in B3-3.1-07, Verbal Verification of Employment.
+If the loan will not close by the close-by date, employment validation can be updated if a lender obtains a more recent asset
+verification report and resubmits to DU for evaluation. If the updated asset data meets employment validation requirements, DU
+
+© 2024 Fannie Mae
+
+1 of 4
+
+will provide employment validation with an updated close-by-date 15-days from the current as of date of the new report. Note
+that this will result in a reevaluation of income validation based on the new asset verification report and could result in a new
+outcome such as the loss of income validation.
+
+Alternatively, lenders can order a supplemental deposit-based verification report from the same report supplier that provided the
+initial report and manually confirm that evidence of the most recent deposit related to employment is present and that it
+matches the direct deposit description from the original asset verification report as referenced in the DU message. This manual
+employment confirmation process (outside of DU) will not result in relief from representations and warranties. For more
+information regarding deposit-based verification reports, a lender should contact their authorized report provider.

chunks/txt/e0f1b1b299e369cf34a55e6e0c99c7d321d5857e3fe9308344fa3dbce62312ac.txt

@@ -0,0 +1,47 @@
+[Learn more **](/applications-technology/applications-technology)
+
+![Fannie Mae events booth](/sites/g/files/koqyhd181/files/2020-01/events-img_4735-850x480_0.jpg)
+
+### News & Events
+
+January 27, 2026
+
+[In Case You Missed It: Policy Updates](/in-case-you-missed-it-policy-updates)
+
+January 26, 2026
+
+[Available Now in Broad Production: UAD 3.6 and Forms Redesign](/news-events/available-now-broad-production-uad-36-and-forms-redesign)
+
+December 18, 2025
+
+[Controlling For Collateral Defects](/originating-underwriting/loan-quality/quality-insider/december-2025)
+
+[View all News & Trends **](/news-events)
+
+### Initiative Updates
+
+September 26, 2024
+
+[Reconsideration of Value](/initiative-updates/reconsideration-value-rov)
+
+FEBRUARY 14, 2024
+
+[Attorney Opinion Letter](/initiative-updates/attorney-opinion-letter)
+
+[View all of our initiatives](/initiative-updates)
+
+campaign_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); } });
+
+![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg)
+
+### Have questions?
+
+Get answers to your policy and guide questions, straight from the source.
+
+[Get Started **](/applications-technology/ask-poli)
+
+###### Work with Fannie Mae
+
+- [Customer Login](/saml/login)
+ - [Password Reset](https://passwordreset.fanniemae.com/)
+ - [Not a customer? Get Started](/become-fannie-mae-seller-or-servicer)

chunks/txt/e0f5d89884d315e78d0e7dbe6182c0cea3f2c5ab1d218c7f3657f22ce3d8d8e7.txt

@@ -0,0 +1,132 @@
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE/@Pa
+rkingSpaceIdentifier
+
+UNIT
+DESCRIPTION
+
+Finished area above grade
+contains
+Rooms
+
+Total Room Count
+
+Specifies the total number of livable
+rooms.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@TotalRoomCount
+
+283
+
+2
+
+81
+
+UNIT
+DESCRIPTION
+
+Finished area above grade
+contains
+Bedrooms
+
+Total Bedroom
+Count
+
+Specifies the total number of bedrooms.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@TotalBedroomCount
+
+7
+
+2
+
+8
+
+8
+
+7
+
+2
+
+2
+
+Enumerated
+
+A separate car storage location element must be populated for each box that is checked.
+
+UAD Requirement - Refer to Appendix D Improvements Section
+
+Numeric
+
+PDF Display Format:
+Whole numbers only.
+
+If none, then zero (0) must be entered.
+
+Enumerated
+
+Enumerated
+
+String
+
+Numeric
+
+UAD Requirement - Refer to Appendix D Improvements Section
+Specify Above Grade Rooms Only
+
+PDF Display Format:
+Whole numbers only.
+
+UAD Requirement - Refer to Appendix D Improvements Section
+Specify Above Grade Bedrooms Only
+
+Numeric
+
+PDF Display Format:
+Whole numbers only.
+
+284
+
+2
+
+82
+
+UNIT
+DESCRIPTION
+
+Finished area above grade
+contains
+Bath(s)
+
+Total Bathroom
+Count
+
+Specifies the total number of bathrooms.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@TotalBathroomCount
+
+5
+
+Numeric
+
+UAD Requirement - Refer to Appendix D Improvements Section
+Specify Above Grade Bathrooms Only
+
+PDF Display Format:
+Full Bath Count.Half Bath Count
+nn.nn
+
+If field 2-72 (Car Storage Exists
+Indicator = 'N') is indicated than none
+of fields 2-73, 2-74, 2-75 (Car Storage
+Location Exists Indicator = 'Y' and
+values of Car Storage Location Type),
+fields 2-77, 2-78 (values of Parking
+Space Assignment Type), field 2-76
+(Parking Spaces Count), field 2-79
+(Parking Spaces Identifier) should be
+indicated. If field 2-72 is not indicated
+then at least one of fields 2-73, 2-74, 2-
+75 (Car Storage Location Exists
+Indicator = 'Y' and values of Car
+Storage Location Type) should be
+indicated.

chunks/txt/e0fdff5be8e631e709d64ddeb6c4300c8e1a6725e027f0688acf4e61214ad252.txt

@@ -0,0 +1,139 @@
+Uniform Appraisal Dataset
+
+22 Sales Comparison Approach
+
+Report
+Field ID
+
+Report Label
+
+When Row
+Displays
+
+When to Include for
+each Comparable
+
+Allowable
+Answers / Format
+
+Origin of Subject
+Property Information
+
+Adjustable
+Row
+
+Definition / Additional Guidance
+
+Sales Comparison Approach: Project Information
+
+None, Existing, or
+Proposed
+
+Project Information
+•
+Special
+Assessment
+Amount Type
+18.072
+
+22.02.04
+22.02.09
+
+Special
+Assessments
+
+When Special
+Assessment
+Amount Type
+for the subject
+property is
+Existing or
+Proposed, or if
+relevant
+(special
+assessments
+for any
+comparable
+are known to
+the appraiser)
+
+Required when the
+comparable is in a
+condo, co-op, condop,
+or PUD and:
+•
+Special
+Assessment
+Amount Type for
+subject property
+is Existing or
+Proposed, or
+The row is
+included in the
+sales comparison
+grid
+
+•
+
+Site
+
+The Site subsection always displays on the sales comparison grid.
+
+No
+
+•
+•
+•
+
+None
+Existing
+Proposed
+
+Notes:
+•
+
+•
+
+The appraiser must analyze and report project special assessments
+for the subject and comparables.
+If the subject unit’s special assessment has been paid in full, this
+must be addressed in Reconciliation of Sales Comparison Approach
+(22.16.01).
+
+• When included, provides support for the Project Information
+
+adjustment (22.02.05).
+
+Appendix F-1: URAR Reference Guide
+
+Page 227 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+22 Sales Comparison Approach
+
+Report
+Field ID
+
+Report Label
+
+When Row
+Displays
+
+When to Include for
+each Comparable
+
+Allowable
+Answers / Format
+
+Origin of Subject
+Property Information
+
+Adjustable
+Row
+
+Definition / Additional Guidance
+
+Sales Comparison Approach: Site

chunks/txt/e0ff39b5408b45f1f0d040f95b720ad03010c5ecab9bbc18b8e9daa480dc87b8.txt

@@ -0,0 +1,46 @@
+ClosingCostSourceType: Identifies the source or contributor of funds used for
+
+the closing cost.
+
+If a borrower provided $500 toward his/her closing costs from his/her checking
+account, this would be communicated with ClosingCostContributionAmount =
+“500,” ClosingCostFundsType = “CheckingSavings,” and
+ClosingCostSourceType = “Borrower.”
+
+DownPaymentAmount: The dollar amount of the borrower’s Down Payment
+Type. Collected on the URLA in Section II (Source of Down Payment).
+
+DownPaymentType: Specifies the general names (type) of items commonly
+
+used for a down payment by the borrower(s) in a mortgage loan transaction.
+This may be collected on the URLA in Section II (Source of Down Payment).
+
+DownPaymentSourceType: Specifies the entity providing funds for the down
+
+payment.
+
+If a local agency provided a $3,000 grant toward the borrower’s down
+payment, this would be communicated with DownPaymentAmount = “3000,”
+DownPaymentType = “Grant,” and DownPaymentSourceType =
+“LocalAgency.”
+
+MICurrentAnnualPremiumAmount: The current dollar amount paid per year for
+
+mortgage insurance.
+
+MIPremiumPaymentType: Defines how the premium payment is paid.
+
+MIPremiumSourceType: Defines the source of the MI premium payment.
+
+A loan with a $2,000 annual premium for mortgage insurance paid by the
+borrower through an escrow account would be communicated with
+MICurrentAnnualPremiumAmount = “2000,” MIPremiumPaymentType =
+“Escrowed,” and MIPremiumSourceType = “Borrower.”
+
+Notes: Refer to each GSE’s Implementation Guide for instructions on accepted
+
+valid values and usage.
+
+7. Sensitive Information
+
+See Section VI. V3.0 Reference Model Features Not Used in the ULDDS.

chunks/txt/e100dfeeb69e7c865e3254ce90607f07e67a48a715176b8823869916d1d035c4.txt

@@ -0,0 +1,9 @@
+Both the single-family and multifamily datasets include indicators of whether the purchases are from “underserved” census tracts, as defined in terms of median income and minority percentage of population. New since the 2018 PUDB is the inclusion of property size data at the census tract level.
+
+### History
+
+Prior to 2010, the Enterprise single-family PUDB consisted of three files: Census Tract, National A, and National B files. With the 2010 Enterprise PUDB a fourth file, National C, was added to provide information on high-cost mortgages acquired by the Enterprises. The single-family Census Tract file includes information on the location of the property based on the 2010 Census for acquisition years 2012 through 2021, and the 2020 Census beginning with the 2022 acquisition year. The National files contain other information but lack detailed geographic information in order to protect Enterprise proprietary data. The multifamily datasets also consist of a Census Tract file, and a National file without detailed geographic information.
+
+### Current Release Notes
+
+Historically, the Enterprise PUDB has been released in TXT (text) format without a header row. The 2024 Enterprise PUDB release presents the data in two formats. The 2024 release includes the TXT format without a header row that has been used historically. The 2024 release also presents the same data in CSV (Comma Separated Value) format with a header row. *Note that FHFA plans to discontinue publication of the TXT format version beginning with the 2025 Enterprise PUDB release in September 2026, so that only the CSV format with a header row will be available in future years*.

chunks/txt/e11000e448f88013c21969827b2b4a3cb2994f19b7282c6a2e5cb32ec94558eb.txt

@@ -0,0 +1,172 @@
+$(2,000)
+
+Patio | Porch
+
+Indoor
+Fireplace - 2
+
+Vehicle Storage
+
+Type | Spaces | Detail
+
+Summary
+
+List Price
+
+Contract Price
+
+Sale Price
+
+Net Adjustment Total
+
+Price Per Finished Area
+Above Grade
+
+Adjusted Price
+
+Comparable Weight
+
+Driveway | 4 | Asphalt
+Garage | 3 | Attached 626 Sq. Ft.
+
+Driveway | 4 | Asphalt
+Garage | 3 | Attached
+
+Driveway | 4 | Asphalt
+Garage | 2 | Attached
+
+Driveway | 4 | Asphalt
+Garage | 3 | Attached
+
+$10,000
+
+$895,000
+
+$895,000
+
+$905,000
+
+—
+
+$905,000
+
+$(5,500)
+
+$566
+
+$899,500
+
+Less
+
+$827,000
+
+—
+
+$835,000
+
+$83,650
+
+$619
+
+$918,650
+
+Less
+
+$899,000
+
+—
+
+$905,000
+
+$(12,250)
+
+$548
+
+$892,750
+
+Most
+
+Indicated Value by Sales Comparison Approach
+
+Indicated Value
+
+$900,000
+
+Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 16 of 24
+Page 16 of 24
+
+Sales Comparison Approach (continued)
+
+General Information
+
+Property Address
+
+Subject Property
+
+Comparable #4
+
+8675309 Jenny Ln
+Anytown, IL 54321
+
+23412 Josephine St
+Anytown, IL 54321
+
+This is where the Dwelling
+Front photo would display.
+
+This is where the
+Comparable 4 photo
+would display.
+
+Data Source
+
+Proximity to Subject
+
+List Price
+
+Listing Status
+
+Contract Price
+
+Sale Price
+
+Transfer Terms
+
+Financing Type
+
+Sales Concessions
+
+Contract Date
+
+Sale Date
+
+Days on Market
+
+Attached/Detached
+
+Property Rights Appraised
+
+Same Builder as Subject
+
+Project Information
+
+Project Name | Same
+Project as Subject
+
+Monthly Fee
+
+Common Amenities/Services
+
+Site
+
+Site Owned in Common
+
+Site Size
+
+Neighborhood Name
+
+Site Influence (Location)

chunks/txt/e125b413b77d47bc8cd17d227b3e5d40887810e76f43e4e80eb4853ba37add54.txt

@@ -0,0 +1,128 @@
+2.3 |
+23.1.1
+
+Lender (Name)
+
+“NotePayTo”
+
+23.5.1
+
+Lender Contact
+
+“NotePayTo”
+
+23.1.1
+
+23.5.2
+
+23.1.3
+
+Mortgage Broker
+Name
+Mortgage Broker
+Contact
+Real Estate Broker
+(B) Name
+
+“MortgageBroke
+r”
+“MortgageBroke
+r”
+“RealEstateAgen
+t”
+
+“ClosingAgent” is equivalent to
+Settlement Agent
+LEGAL_ENTITY
+“ClosingAgent” is equivalent to
+Settlement Agent
+INDIVIDUAL
+INDIVIDUAL_AND_LEGAL_ENTITY, as
+applicable
+Select applicable role for the
+transaction
+INDIVIDUAL_AND_LEGAL_ENTITY, as
+applicable
+Use “Other” with
+OtherTypeDescription value if
+applicable
+
+“Property Seller” is equivalent to
+Seller
+INDIVIDUAL AND LEGAL_ENTITY, as
+applicable
+“NotePayTo” is closest to the
+definition of “Lender” in the Reg
+LEGAL_ENTITY
+“Note Pay To” is closest to the
+definition of “Lender” in the Reg
+INDIVIDUAL
+LEGAL_ENTITY
+
+INDIVIDUAL
+
+“RealEstateAgent” is equivalent to
+“Real Estate Broker”
+
+Appendix E: UCD Implementation Guide
+
+Page 248 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+V. Consolidated Mapping Guidance
+
+Topic
+
+Guidance
+
+Table 160. Consolidated Mapping Guidance
+
+23.5.5
+
+Real Estate Broker
+(B) Contact
+
+“RealEstateAgen
+t”
+
+23.1.4
+
+Real Estate Broker
+(S) Name
+
+“RealEstateAgen
+t”
+
+23.5.4
+
+Real Estate Broker
+(S) Contact
+
+“RealEstateAgen
+t”
+
+RealEstateAgentType = “Selling”
+must be used to fully identify this
+field
+LEGAL_ENTITY
+“RealEstateAgent” is equivalent to
+“Real Estate Broker”
+RealEstateAgentType = “Selling”
+must be used to fully identify this
+field
+INDIVIDUAL
+“RealEstateAgent” is equivalent to
+“Real Estate Broker”
+RealEstateAgentType = “Listing”
+must be used to fully identify this
+field
+LEGAL_ENTITY
+“RealEstateAgent” is equivalent to
+“Real Estate Broker”
+RealEstateAgentType = “Listing”
+must be used to fully identify this
+field
+INDIVIDUAL

chunks/txt/e127b705f9c983f05ea81bf8be2b77e66f9decdf9fb90c4ed785834e942cc396.txt

@@ -0,0 +1,40 @@
+[Mortgage Translations](/mortgage-translations)
+
+- [About Mortgage Translations](/mortgage-translations)
+ - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)
+ - [COVID-19 Resources](/mortgage-translations/covid-19-resources)
+ - [Interpretive Services](/mortgage-translations/interpretive-services)
+ - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)
+ - [Search Documents](/mortgage-translations/search)
+ - News Public Affairs
+
+- [News Releases](/news/news-release)
+ - [Statements](/news/statement)
+ - [Speeches](/news/speech)
+ - [Testimonies](/news/testimony)
+ - [Public Input](/public-input)
+ - [Blogs](/blog)
+ - [Fact Sheets](/news/fact-sheet)
+ - [FAQs](/faqs)
+ - [Partner Agency Engagements](/news/partner-agency-engagements)
+ - [Public Engagements](/news/public-engagements)
+ - [Videos](/media)
+
+Social Media
+
+- [Facebook](https://www.facebook.com/FHFA)
+ - [LinkedIn](https://www.linkedin.com/company/354523)
+ - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [X (formerly Twitter)](https://twitter.com/FHFA)
+ .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu
+
+## Breadcrumb
+
+- [Home](/)
+ - [FHFA Data](/data)
+ - [Uniform Appraisal Dataset (UAD) Aggregate Statistics](/data/uad)
+ - Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF)
+
+# Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF)
+
+### Version 2.1 (2/4/2025)

chunks/txt/e1314461ac0735432d2a53a619c408f17270b7034517a7e4fe22bfd70c71994f.txt

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+After considering these various
+options, FHFA has decided to define
+‘‘high-cost’’ loans by reference to the
+HMDA rate spread. The HMDA rate
+spread is a data field reported by
+lenders pursuant to HMDA that is
+released annually by the Federal
+Financial Institutions Examination
+Council (FFIEC). These loans are
+identified in Federal Reserve Board
+(FRB) analyses as ‘‘higher-priced’’
+
+VerDate Mar<15>2010 18:20 Sep 27, 2011 Jkt 223001 PO 00000 Frm 00036 Fmt 4703 Sfmt 4703 E:\FR\FM\28SEN1.SGM 28SEN1
+
+I
+
+S
+E
+C
+T
+O
+N
+h
+t
+i
+
+w
+D
+O
+R
+P
+1
+N
+V
+T
+P
+S
+5
+K
+S
+D
+n
+o
+
+s
+t
+r
+e
+b
+o
+r
+s
+
+Federal Register / Vol. 76, No. 188 / Wednesday, September 28, 2011 / Notices
+
+60033
+
+loans.3 For 2010 and beyond, the HMDA
+rate spread represents the difference
+between the Annual Percentage Rate
+(APR) and a survey-based estimate of
+APRs currently offered on prime
+mortgage loans of a comparable type.
+For mortgage loans with an application
+date prior to October 1, 2009, the
+minimum rate spread that must be
+reported by lenders for first liens is
+generally 3.0 percent. For mortgage
+loans with an application date on or
+after October 1, 2009, the minimum rate
+spread that must be reported by lenders
+for first liens is 1.5 percent.4 See 12 CFR
+203.4(a)(12). FHFA will use the HMDA
+rate spread data in FHFA’s databases to
+select the ‘‘high-cost’’ loans for
+inclusion in National File C.
+
+FHFA has adopted the HMDA rate
+spread definition as the definition of
+‘‘high-cost’’ because it has a logical
+relation to heightened cost by virtue of
+being a rate spread, is simple and
+widely understood, and because the
+Enterprises have purchased significant
+numbers of such loans, it appears to
+divide loans into categories in a way
+that meaningfully implements the
+statutory purpose.5 Further, because the
+Enterprises may continue to purchase
+loans with HMDA rate spreads, the
+Enterprises and FHFA have processes to
+capture this loan data for inclusion in
+the PUDB and for performing the
+comparative analysis, thereby enabling
+implementation of the HERA
+requirement.

chunks/txt/e131f75576e30c8f71f4c5dbf04e54e1b88eb0063fc5fa7efeafbd7d74636285.txt

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+Level and Room Detail
+
+Level in Unit
+Level B1
+
+Quality and Condition
+
+Levels in Unit
+Floor Number
+Occupancy
+Utilities Separately Metered
+Total Bedrooms
+Total Bathrooms - Full
+Total Bathrooms - Half
+
+1
+Below Grade
+Vacant
+No
+1
+1
+0
+
+0 Sq. Ft.
+0 Sq. Ft.
+704 Sq. Ft.
+0 Sq. Ft.
+Assessor Record
+MLS
+Physical Measurement
+
+Yes
+Assessor Record
+Yes
+Exterior Access Only
+No
+
+Yes No
+ 
+
+Grade Level Detail
+Partially Below Grade
+Exterior Access Only
+Walk Out
+
+Finish
+Finished
+
+Area
+704 Sq. Ft.
+
+Room Summary
+1 - Bath - Full
+1 - Bedroom
+1 - Kitchen
+1 - Living Room
+
+Interior Quality Rating
+
+Q4
+
+Interior Condition Rating
+
+C4
+
+The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report
+
+Kitchen and Bathroom Details
+
+Room
+Kitchen
+Level B1
+
+Bath - Full
+Level B1
+
+Update Status
+Fully Updated
+
+Time Frame
+5-10 years
+
+Fully Updated
+
+5-10 years
+
+Overall Update Status for
+Bathrooms
+
+Fully Updated
+
+Quality Comment
+Standard builder grade
+cabinets, materials, and
+appliances
+
+Standard builder grade
+cabinets, materials, and
+appliances
+
+Condition Status
+Typical Wear and Tear
+
+Condition Comment
+No damage or condition
+issues noted.
+
+Typical Wear and Tear
+
+No damage or condition
+issues noted.
+
+Appraisal Version #1Fannie Mae | Freddie Mac September 2024Appraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Single Family Scenario 4 (SF4)
+
+Uniform Residential Appraisal Report
+
+Page 10 of 22
+Page 10 of 22
+
+Unit Interior - ADU (continued)
+
+Interior Features
+
+Feature
+Flooring
+
+Detail
+Ceramic Tile
+
+Laminate
+
+Walls and Ceiling
+
+8 Ft. | Flat

chunks/txt/e13c5113d3ba88150933f11e041bd29794f5009f76f3c172ea367853ea97a1db.txt

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+09.025
+
+[Role]
+
+09.026
+
+[Signature]
+
+09.028
+
+[Contact name]
+
+09.027
+
+09.029
+
+Date of Signature
+and Report
+Level
+
+2200.0136
+2200.0147
+
+PartyRoleType
+
+2400.0041
+2400.0042
+2400.0043
+2400.0044
+
+FirstName
+LastName
+MiddleName
+SuffixName
+
+When PartyRoleType (UID: 2200.0136) = "Appraiser" or PartyRoleType
+(UID: 2200.0147) = "AppraiserSupervisor" display “Appraiser” first and,
+when applicable, “Supervisory Appraiser” below the appraiser (Figure 09
+– 2)
+Arcrole
+
+FirstName and LastName always display.
+MiddleName and SuffixName display when provided.
+
+2200.0002
+
+ExecutionDate
+
+When PartyRoleType = "Appraiser" OR "AppraiserSupervisor"
+
+2400.0051
+
+AppraiserLicenseType When PartyRoleType = "Appraiser" OR "AppraiserSupervisor"
+
+09.030
+
+ID
+
+2400.0054
+
+LicenseIdentifier
+
+09.031
+
+State
+
+2400.0055
+
+LicenseIssuingAuthority
+StateCode
+
+When PartyRoleType = "Appraiser" OR "AppraiserSupervisor" AND
+AppraiserLicenseType <> "None"
+When PartyRoleType = "Appraiser" OR "AppraiserSupervisor" AND
+AppraiserLicenseType <> "None"
+
+Report
+Field ID
+
+Report Label
+Name
+
+Unique ID
+
+MISMO Data Point
+Name
+
+Display Rules
+
+09.032
+
+Expires
+
+2400.0053
+
+LicenseExpirationDate
+
+When PartyRoleType = "Appraiser" OR "AppraiserSupervisor" AND
+AppraiserLicenseType <> "None"
+
+Signature
+
+Figure 09 - 1
+
+Page 54
+
+Arcrole relationships, establishes "relationships" or linkages in the XML data file that may be visually obvious on the URAR Report. In the XML data, specific
+instances of data points or containers must be connected to properly represent the information.
+
+• Containers or datapoints to be linked are identified using "xlink:label.”
+• The RELATIONSHIP container holds the xlink:arcrole, xlink:from, and xlink:to attributes that describe the data relationships.

chunks/txt/e13d578eaaf768830830004a83d7292f9a407650ef903f937416136ee751ab1f.txt

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+10.056.1 | 10.056.2
+
+(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)
+(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:54)(cid:79)(cid:74)(cid:71)(cid:80)(cid:83)(cid:78)(cid:1)(cid:51)(cid:70)(cid:84)(cid:74)(cid:69)(cid:70)(cid:79)(cid:85)(cid:74)(cid:66)(cid:77)(cid:1)(cid:34)(cid:81)(cid:81)(cid:83)(cid:66)(cid:74)(cid:84)(cid:66)(cid:77)(cid:1)(cid:51)(cid:70)(cid:81)(cid:80)(cid:83)(cid:85)(cid:1)
+
+(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20)

chunks/txt/e1590e5edbe2f4b434f796a42f37e17b88324842a0b3d003d62b9ec666c5dbe5.txt

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+The financing program for which the manufactured home is designed to be
+eligible, as shown on a label in the home that identifies it as being eligible for
+designated financing options.
+•
+•
+•
+Notes:
+•
+
+Fannie Mae MH Advantage
+Freddie Mac CHOICEHome
+Other (Describe)
+
+If there are no certifications, do not select an answer and this subsection
+does not display.
+A photo of each certification label must be provided, which displays in
+Manufactured Home Exhibits with the caption “Manufactured Home
+Certification”. An additional caption may be provided to further identify
+the photo.
+
+•
+
+9.019
+
+Identifier
+
+Required for each
+identified certification
+
+Free-form
+
+Identifies the manufactured home's eligibility for the associated financing
+program (e.g., Freddie Mac CHOICEHome Number, Fannie Mae MH Advantage
+Identification Number).
+
+Invoice Information
+
+This subsection displays when the property is new construction (New Construction (3.017) is Yes).
+
+Report
+Field ID
+
+9.020
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Manufactured Home – Dwellings – Invoice Information
+
+Purchased from
+Retailer
+
+Required if New
+Construction is Yes
+
+Yes | No
+
+Indicates whether the manufactured home was purchased from a retailer.
+
+9.021
+
+Retailer Name
+
+Required if Purchased
+from Retailer is Yes
+
+Free-form
+
+9.022
+
+Retailer’s Invoice
+Reviewed
+
+Required if Purchased
+from Retailer is Yes
+
+Yes | No
+
+Indicates whether the appraiser reviewed and analyzed the retailer’s invoice.
+
+Note: A photo or image of the invoice may be provided, which displays in
+Manufactured Home Exhibits. An additional caption must be provided
+indicating “Retailer’s Invoice” and any other descriptive information as
+appropriate.

chunks/txt/e15f450f56443f52ed28b89c52040ef7dfc73115d99390604331128cc23fdc1c.txt

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+Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 23 of 24
+Page 23 of 24
+
+Certifications
+
+Appraiser Certifications
+
+The Appraiser certifies and agrees that:
+
+1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective
+owners or occupants of the subject property, or other parties involved in this transaction.
+
+2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this
+report, or the demographics of the area where the property is located.
+
+3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that
+apply to the appraiser and to the assignment.
+
+4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity),
+age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present
+or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis
+prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.
+
+5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to
+the assumptions and limiting conditions in this appraisal report.

chunks/txt/e169f599ff936bc753b941566dec33ad05d279a6dd2e4e92566f181d4136920b.txt

@@ -0,0 +1,45 @@
+o Appraisal 3 is optional, can be revised, and can be deleted if not required.
+
+• Within each sequence, up to two additional reports, either a Restricted Appraisal Update Report or a Completion
+
+Report, can be submitted. The reports are automatically assigned to the corresponding URAR in that sequence.
+
+o Restricted Appraisal Update Report can be revised or deleted, if not required.
+
+o Completion Report can be revised or deleted, if not required.
+
+A URAR “anchors” each appraisal sequence. You must first submit the URAR before submitting a corresponding Restricted
+Appraisal Update Report or Completion Report.
+
+Loan Metadata – Document File ID
+
+Appraisal 1 – Appraisal Report (URAR)
+
+Required
+
+Update or Completion Report
+
+Update or Completion Report
+
+Appraisal 2 – Appraisal Report (URAR)
+
+Update or Completion Report
+
+Update or Completion Report
+
+Appraisal 3 – Appraisal Report (URAR)
+
+Update or Completion Report
+
+Update or Completion Report
+
+Tool Tip: The layout of the UCDP UAD 3.6 “Appraisal: View/Edit” page is designed to mirror the sequence structure of a
+submission. Each appraisal sequence is represented by a separate tab in the UI. Once a new URAR is submitted to UCDP, you
+can submit the corresponding update and/or completion report file under the same tab associated with that sequence. For
+more details on uploading appraisal sequences in the UCDP UI, refer to the UCDP User Guide | Fannie Mae or the UCDP
+User Guide | Freddie Mac.
+
+© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.
+
+This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal
+Housing Finance Agency.

chunks/txt/e1988585d453525ffccc7bacbe955e2ada5185fc28d8678985db6b698465f70d.txt

@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/about"
+date_accessed: "2026-01-27T17:54:20.238Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)

chunks/txt/e1a133e75a18482f5fd6a915e838682bdc07438d04eb3f3322cc2ac2092b972d.txt

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+Purpose: Direct appraisers to use section commentary only for text pertinent to the section and instruct
+users to use discrete data fields rather than stating, “See attached addendum”, “See Addenda” or variations
+of those terms.
+
+Integration with UAD Compliance API
+
+7.
+
+Integrate with the GSEs’ UAD Compliance API to check data early and often to verify the data complies
+with the UAD specification for conditionality and completeness.
+
+Purpose: Provides the ability to check and correct data early in the process to improve efficiency. This API
+will check to ensure the XML is well formed based on the UAD Subschema; follows conditionality, cardinality,
+and completeness of the UAD Specification.
+
+Single Source for Data Entry
+
+8. Have a single source of data entry when data displays in multiple areas of the report.
+
+Purpose: To minimize discrepancies and maximize data consistency throughout the report.
+
+• Data should flow to all appropriate areas.
+• Provide an alert or notice of the fields that are being pre-populated or changed.
+
+For example, the subject property Quality and Condition ratings entered in the Overall Quality and
+Condition section should repopulate to the Sales Comparison Approach.
+
+Terminology
+
+9. Leverage the GSEs’ Guides to communicate unacceptable appraisal practices and flag unsupported
+
+assumptions, veiled language, or specific words for the appraiser.
+Purpose: To raise awareness of potentially prohibited language and/or practices.
+
+Focus on text fields where commentary, analysis, and descriptions are provided. For examples, reference the
+Fannie Mae Selling Guide and Freddie Mac Single-Family Seller/Servicer Guide.

chunks/txt/e1aa02ee4d43cd6066094904bca3043e0837975d359257690a62d36b73494e4e.txt

@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/data/duty-to-serve/performance-data"
+date_accessed: "2026-01-27T17:54:20.568Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)

chunks/txt/e1c2a90adf354fefd52980a8e12b40ead177aa7cbb2fd3f1c6ea9fa583c0e59d.txt

@@ -0,0 +1,35 @@
+Appraiser Reference ID
+Agency Case File ID
+Client Reference ID
+AMC Reference ID
+
+(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24)
+(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25)
+(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26)
+(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27)
+
+Uniform Residential Appraisal Report
+
+HF.001
+
+Page [Page] of [Pages]
+
+29.000
+
+This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of
+assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions
+and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis
+necessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the
+certifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material
+alterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an
+appraisal organization, are permitted.
+
+Scope of Work
+
+29.001
+
+The scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users,
+the intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the
+applicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject
+property; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property
+reported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report.

chunks/txt/e1d151a3624b4a3370a7e26ba864ac9b3f7e32e41a1ba4ab72b36a1a2227f153.txt

@@ -0,0 +1 @@
+[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/13411&order=field_release_date&sort=asc) Report Attachment October 15, 2025 [2024 Federal Home Loan Bank Targeted Mission Report](/reports/fhlbank-targeted-mission-activities/2024) [Read Report](/document/2024-FHLB-Targeted-Mission-Report.pdf) October 17, 2024 [2023 FHLBank Targeted Mission Activities Report](/reports/fhlbank-targeted-mission-activities/2023) [Read Report](/document/2023-fhlb-targeted-mission-activities-report-final.pdf) November 08, 2023 [2022 FHLBank Targeted Mission Activities Report](/reports/fhlbank-targeted-mission-activities/2022) [Read Report](/document/2022-FHLB-Targeted-Mission-Report.pdf) September 27, 2022 [2021 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2021) [Read Report](/document/2021-lihcda-fhlbanks-report) October 12, 2021 [2020 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2020) [Read Report](/document/2020-low-income-housing-and-community-development) September 30, 2020 [2019 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2019) [Read Report](/document/2019-low-income-housing-and-community-development) October 08, 2019 [2018 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2018) [Read Report](/document/2018-low-income-housing-and-community-development) September 28, 2018 [2017 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2017) [Read Report](/document/2017-low-income-housing-and-community-development) October 02, 2017 [2016 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2016) [Read Report](/document/2016-low-income-housing-comm-dev) October 03, 2016 [2015 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2015) [Read Report](/document/2015-low-income-housing-comm-dev) October 20, 2015 [2014 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2014) [Read Report](/document/2014-low-income-housing-and-community-development) October 07, 2014 [2013 Low-Income Housing and Community Development Activities of the Federal Home Loan Banks](/reports/fhlbank-targeted-mission-activities/2013) [Read Report](/document/2013-low-income-housing-and-community-development) October 29, 2013 [Low-Income Housing and Community Development Activities - FHLB System - 2012](/reports/fhlbank-targeted-mission-activities/2012) [Read Report](/document/low-income-housing-and-community-development-2011-0) April 19, 2013 [Low-Income Housing and Community Development Activities of the Federal Home Loan Bank System - 2011](/reports/fhlbank-targeted-mission-activities/2011) [Read Report](/document/low-income-housing-and-community-development-2011)

chunks/txt/e1d5100a6f18851aca3274ce33e3740ce652aabd74f028a77e3585bd2f6c4c80.txt

@@ -0,0 +1,71 @@
+11.0.1 Sum of items Due from the Borrower at Closing (K) and
+
+12.0.1 Sum of items Paid Already by or on Behalf of Borrower at Closing (L).
+
+13.0 CALCULATION section discloses the total amount due From or To the Borrower(s) at closing (13.3.1),
+calculated as the difference between the section K and L subtotals (K less L). This amount must equal the
+Calculating Cash To Close table final amount (10.9.2). If subtotal K is more than subtotal L, then money is
+required from the Borrower and the “From Borrower” box is checked.
+
+Appendix E: UCD Implementation Guide
+
+Page 161 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+11.0 – 16.0 Summaries of Transactions - UPDATED
+
+Summaries of Transactions
+BORROWER’S TRANSACTION
+
+11.0 K. Due from Borrower at Closing
+
+0111.1 Sale Price of Property
+
+0211.2 Sale Price of Any Personal Property Included in Sale 11.2.1
+
+0311.3 Closing Costs Paid at Closing (J)
+
+0411.4 Credit Card Balance to Finance Bank
+
+11.5 Adjustments (between borrower and seller)
+
+05 Tenant Security Deposit
+
+06 $500 Principal Reduction for exceeding legal
+limits P.O.C. Lender
+
+11.3.1
+
+11.4.1
+
+11.5.1
+
+(11.0 – 16.0) Use this table to see a summary of your transaction
+
+SELLER’S TRANSACTION
+
+11.0.1 $252,347.30
+11.1.1 $240,000.00 0114.1 Sale Price of Property
+
+14.0 M. Due to Seller at Closing
+
+14.1.1
+ 0214.2 Sale Price of Any Personal Property Included in Sale 14.2.1
+
+14.0.1
+
+$10,167.30
+$2,000.00
+
+14.3 (adjustments between borrower and seller)
+
+14.3.1
+
+$100.00 03
+
+Adjustments for Items Paid by Seller in Advance
+
+Adjustments for Items Paid by Seller in Advance

chunks/txt/e1e2a8ab758924dcf124161f1cb55de4af1ebfa233404cd8365bcbd5ff2474c0.txt

@@ -0,0 +1,11 @@
+## Footer
+
+- [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
+
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/34886","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":{"\/news\/testimony":true,"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"better_exposed_filters":{"datepicker":true,"datepicker_options":[]},"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); })();

chunks/txt/e1e9c6c724897d91bc15456bc6247e63eb33943f9b621452b8d33f593a6535b5.txt

@@ -0,0 +1,128 @@
+This field occurs on every page of the form and must be consistent. The
+placement of the header on the form varies from vendor to vendor. The print
+reference placement on Appendix C is not required and is for illustrative
+purposes only.
+
+This field may not exist in all forms vendor
+software.
+
+This field may not exist in all forms vendor
+software.
+
+Numeric
+
+PDF Display Format:
+Numeric, 5-digit maximum.
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+Numeric
+
+PDF Display Format:
+Numeric, 5-digit maximum.
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+247
+
+2
+
+11
+
+SALES
+COMPARISON
+APPROACH
+
+Address
+(Line 1)
+
+Property Street
+Address
+
+The unstructured (Unparsed) street
+address of the subject property (e.g.,
+123 Main Street).
+
+/VALUATION_RESPONSE/PROPERTY/@_St
+reetAddress
+
+60
+
+String
+
+248
+
+2
+
+12a
+
+SALES
+COMPARISON
+APPROACH
+
+Address
+(Line 2)
+
+Property City
+
+The city in which the subject property
+is located.
+
+/VALUATION_RESPONSE/PROPERTY/@_C
+ity
+
+40
+
+String
+
+249
+
+2
+
+12b
+
+SALES
+COMPARISON
+APPROACH
+
+Address
+(Line 2)
+
+Property State
+
+The state in which the subject
+property is located.
+
+/VALUATION_RESPONSE/PROPERTY/@_St
+ate
+
+2
+
+String
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+Must conform to USPS (Pub 28). The following address elements must be
+included in this field:
+· Street number
+· Street name (including applicable pre-directional indicator, suffix, and/or
+post-directional indicator)
+· Address unit designator and number (if applicable)
+This data is referenced more than once on the form (fields 1-6, 2-11, 6-19) and
+must be represented consistently to the extent that the available space permits.

chunks/txt/e1edba9a387f675edc4f4a10e6bc744c45ed4fbf3580936c01d8912eb9f5acd9.txt

@@ -0,0 +1,5 @@
+Data Mapping and PDF Rendering Information ....................................................................................................................................................................... 21
+
+05 Completion Status ..................................................................................................................................................................................................... 23
+
+Overview ................................................................................................................................................................................................................................... 23

chunks/txt/e204a5c093b8b22852e5f7ce9799dd3826d58b3040e9a6a3376c30c659b1295a.txt

@@ -0,0 +1,147 @@
+One and only one of fields 1-139, 1-140, 1-141
+(values of Attachment Type) should be
+indicated.
+One and only one of fields 1-139, 1-140, 1-141
+(values of Attachment Type) should be
+indicated.
+One and only one of fields 1-139, 1-140, 1-141
+(values of Attachment Type) should be
+indicated.
+One and only one of fields 1-142, 1-143, 1-144
+(values of Building Status Type) should be
+indicated.
+One and only one of fields 1-142, 1-143, 1-144
+(values of Building Status Type) should be
+indicated.
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+R
+
+T
+
+T
+
+T
+
+T
+
+T
+
+Form FNM 2055 FRE 2055
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 181 of 211
+
+Document Version 1.4
+
+Sort
+ID
+
+Form
+Page
+
+Form
+Reference
+Number
+
+Form
+Section
+
+Form Field Label
+
+Data Point Name
+
+Data Point Definition
+
+XPath
+
+Data Point
+Field
+Length
+
+Format
+
+Implementation Notes
+
+Conditionality Description
+
+Data Field
+Conditionality
+
+150
+
+151
+
+152
+
+1
+
+1
+
+1
+
+144
+
+IMPROVEMENTS Under Const.
+
+Building Status
+Type
+
+Specifies the physical status of the
+structure.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@BuildingStatus
+Type='UnderConstruction']
+
+17
+
+Enumerated
+
+145
+
+IMPROVEMENTS Design (Style)
+
+Structure Design
+Description
+
+A free-form text field used to describe the
+structure's design.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@_DesignDescri
+ption
+
+20
+
+String
+
+e-8
+
+IMPROVEMENTS Year Built
+
+GSE Year Built
+Estimation Indicator
+
+Indicates that the Year Built is estimated.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_E
+XTENSION/STRUCTURE_EXTENSION_SECTION[@ExtensionSection
+OrganizationName='UNIFORM APPRAISAL
+DATASET']STRUCTURE_EXTENSION_SECTION_DATA/STRUCTUR
+E_INFORMATION/@GSEYearBuiltEstimationIndicator

chunks/txt/e20e3c4e3b258605bf64f7ca8651e091f58cf4a18dd507be54afc607a42c72a4.txt

@@ -0,0 +1,34 @@
+FID: 21.006) with ValuationAnalysisCategoryType (UID: 1600.0009, FID: 21.006) = “SubjectPriorSalesAndTransferHistory”
+
+Figure 21 - 1
+
+➢ When there are one or more prior sales or transfers for the subject property, PriorSalesOrTransfersIndicator (UID: 0800.0005, FID:
+21.000) = “true”, information is required for each prior sale or transfer and must display on a separate line in the detail table.
+
+Subject Transfer History detail table:
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 270
+
+• Transfer Terms - When OwnershipTransferTransactionType (UID: 0800.0018, FID: 21.002)
+
+o = “DeedTransferOnly”, display “Deed Transfer Only”
+o = “Sale”, do not display OwnershipTransferTransactionType, display SaleType (UID 0800.0013, FID: 21.002) (e.g., Typically
+
+Motivated, Short Sale, Estate Sale, etc.)
+
+• Date – Display OwnershipTransferDate (UID: 0800.0011, FID: 21.003)
+• Amount – Display OwnershipTransferTransactionAmount (UID: 0800.0012, FID: 21.004) when provided, else display
+
+OwnershipTransferAmountNotAvailableReasonType (UID: 0800.0009, FID: 21.004)
+
+• Data Source – DataSourceType (UID: 0700.0125, FID: 21.005) Display one or more data sources for each sale or transfer. When there
+
+are multiple data sources display them stacked. (Figure 21 - 2)
+
+o A relationship is required for each subject property data source. (See Arcroles/Data Relationships)
+
+• Analysis of Prior Sale and Transfer History of Subject Property – A comment is required in ValuationCommentText (UID: 1600.0008,
+
+FID: 21.006) with ValuationAnalysisCategoryType (UID: 1600.0009, FID: 21.006) = “SubjectPriorSalesAndTransferHistory”.

chunks/txt/e215a836d7ec01b0fa9796a5ffbcd5a6341309e4e904def6edbb089b72e6f04e.txt

@@ -0,0 +1,61 @@
+/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier
+
+This field occurs on every page of the form and must be consistent. The placement
+of the header on the form varies from vendor to vendor. The print reference
+placement on Appendix C is not required and is for illustrative purposes only.
+This field occurs on every page of the form and must be consistent. The placement
+of the header on the form varies from vendor to vendor. The print reference
+placement on Appendix C is not required and is for illustrative purposes only.
+
+This field may not exist in all forms vendor
+software.
+
+This field may not exist in all forms vendor
+software.
+
+This field occurs on every page of the form and must be consistent. The placement
+of the header on the form varies from vendor to vendor.
+
+50
+
+50
+
+String
+
+String
+
+/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier
+Name
+
+50
+
+String
+
+This field occurs on every page of the form and must be consistent. The placement
+of the header on the form varies from vendor to vendor. The print reference
+placement on Appendix C is not required and is for illustrative purposes only.
+
+This field may not exist in all forms vendor
+software.
+
+/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier
+
+/VALUATION_RESPONSE/PARTIES/APPRAISER/@_Name
+
+/VALUATION_RESPONSE/PARTIES/APPRAISER/@_CompanyName
+
+50
+
+55
+
+50
+
+String
+
+String
+
+String
+
+This field occurs on every page of the form and must be consistent. The placement
+of the header on the form varies from vendor to vendor. The print reference
+placement on Appendix C is not required and is for illustrative purposes only.

chunks/txt/e21cb04587b99569dd72a0f26c61f0ee6658025f3580de73dbfb4540b70d70c9.txt

@@ -0,0 +1,79 @@
+“DDD table” refers to the Apparent Defects, Damages, Deficiencies table in
+the relevant sections.
+
+TCH
+
+TCH (DDD TABLE)
+
+TB_sub-H1 – Dark Gray Bar in table
+
+Used in table subsections.
+
+TEXT
+
+8/9 Myriad Pro Bold sets drop out white in cell with gray fill, 40% black.
+
+INDENT Align left and indent 4 points.
+
+TB_SUB-H1
+
+TB_sub-H1-R - Dark Gray Bar in table align right
+
+Two cells used to show subtotal and totals.
+
+TEXT
+
+8/9 Myriad Pro Bold sets drop out white in cell with gray fill, 40% black.
+
+INDENT Align right in cell.
+
+TB_SUB-H1-R
+
+TB_SUB-H1-R
+
+TB-SCA_sub-H1 – Dark Gray Bar in Comparable Grids
+
+Used in Sales Comparison Approach subsections.
+
+TEXT
+
+8/9 Myriad Pro Bold sets drop out white in row with gray fill, 80% black.
+
+INDENT Align left and indent 4 points.
+
+TB-SCA_SUB-H1
+
+Appendix E: Report Style Guide
+
+Page 29 of 90
+
+Version 1.4
+
+TB-SCA_sub-H1-ADJ - Dark Gray Bar in Comparable Grids – Adjustable Row
+
+Used in Sales Comparison Approach subsections.
+
+TEXT
+
+8/9 Myriad Pro Bold sets drop out white in row with gray fill, 80% black;
+cells defined by drop out white rules. Adjustment cells show drop out white
+type $ (with adjustment amount).
+
+INDENT Align left and indent 4 points.
+
+TB-SCA_SUB-H1-ADJ
+
+TB-SCA_H2 - Light Gray Bar in Comparable Grids
+
+Used in Sales Comparison Approach and Comparable Rental Analysis in table sub-subsections.
+
+TEXT
+
+8/9 Myriad Pro Bold in cell with gray fill, 10% black.
+
+INDENT Align left and indent 4 points.
+
+TB-SCA_H2
+
+Images (portrait or landscape) must be sized to properly display the content and maintain the aspect ratio. Typical
+layouts are listed below but are not limited to these examples.

chunks/txt/e21eb20a93209938f8427493c50ca8c300d3c697d79b08f86232b382c4c41dbe.txt

@@ -0,0 +1,107 @@
+NegativeAmortization
+MaximumLoanBalance
+Amount
+
+222000
+
+ROF as “$220,000”
+
+4. 2 I NTEREST RATE
+
+Interest Rate is the basis for calculating the periodic payments of principal and interest for which the
+borrower(s) is obligated.
+
+4.0 Loan Terms
+
+Can this amount increase after closing?
+
+4.1 Loan Amount
+
+4.1.1 $162,000
+
+4.1.2 NO
+
+4.1.3
+
+4.2 Interest Rate
+
+4.2.1 3.875%
+
+4.2.2 NO
+
+4.2.3
+
+Appendix E: UCD Implementation Guide
+
+Page 63 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+4.0 Loan Terms
+
+Figure 35. Loan Terms Table – Interest Rate
+
+4. 2. 1 I NTEREST RATE PERCEN T
+
+The Regulation requires that the interest rate applicable for the transaction be disclosed. Implementers need to
+select one of four possible data points for Interest Rate. The four data points in bolded blue are mutually
+exclusive; only one is provided in the XML file. The data point used to represent the interest rate percent
+depends on loan type, features, and whether the rate is known at consummation, as shown in the following
+table.
+
+Table 49. Four Mutually Exclusive Data Points for Interest Rate
+
+Loan Characteristic
+
+Data Points Used in UCD File
+
+Example XML
+Values
+
+Fixed Rate Loan – No Temporary
+Buydown
+
+Fixed Rate Loan – Temporary
+Buydown but Not Reflected in Note
+Terms
+
+Fixed Rate Loan – Temporary
+Buydown Reflected in Note Terms
+
+Step Rate Loan
+
+ARM – Rate Known at Consummation
+
+ARM – Rate Not Known at
+Consummation
+
+ARM – Temporary Buydown
+Reflected in Note Terms
+
+Loan with Precomputed Interest Rate
+based on application of multiple
+interest rates to different portions of
+loan principal balance
+
+▪ Loan Amortization Type
+▪ Buydown Temporary Subsidy Indicator
+▪ Note Rate Percent
+▪ Loan Amortization Type
+▪ Buydown Temporary Subsidy Indicator
+▪ Buydown Reflected In Note Indicator
+▪ Note Rate Percent
+▪ Loan Amortization Type
+▪ Buydown Temporary Subsidy Indicator
+▪ Buydown Reflected In Note Indicator
+▪ Buydown Initial Effective Interest Rate Percent
+▪ Loan Amortization Type
+▪ Buydown Temporary Subsidy Indicator
+▪ Note Rate Percent
+▪ Loan Amortization Type
+▪ Buydown Temporary Subsidy Indicator
+▪ Note Rate Percent
+▪ Loan Amortization Type
+▪ Buydown Temporary Subsidy Indicator
+▪ DisclosedFullyIndexedRatePercent (the index value

chunks/txt/e222cb33a7361a4719bd2f3bfb02fe225d1adef2efa1dec8b8eaadcceddf7f43.txt

@@ -0,0 +1,218 @@
+$
+
+49
+
+sq. ft.
+
+47
+
+$ 48
+
+e-25; e-2
+
+51
+
+DESCRIPTION
+
++(-) $ Adjustment
+
+53
+55
+
+57
+
+59
+
+61
+
+63
+
+65
+
+67
+
+69
+
+71
+
+73
+
+52
+e-26; e-27; e-28
+
+e-29; e-30; e-31
+
+e-14; e-15; e-16
+
+60
+
+62
+
+e-5; e-6; e-7
+
+66
+
+68
+
+e-17; 70
+
+72
+
+74 Total Bdrms. Baths
+
+78
+
+80
+
+82
+84
+
+86
+
+88
+
+90
+
+92
+
+94
+
+96
+98
+100
+
+75
+
+76
+
+77
+
+79 sq. ft.
+
+e-18; e-19; e-20
+e-21; e-22; e-23; e-24
+
+85
+
+87
+
+89
+
+91
+
+93
+
+95
+97
+99
+
+101
+ + -
+
+102
+
+$ 103
+
+Net Adj. 103a %
+Gross Adj. 103b %
+
+$ 104
+
+53
+55
+
+57
+
+59
+
+61
+
+63
+
+65
+
+67
+
+69
+
+71
+
+73
+
+74
+
+78
+
+80
+
+82
+84
+
+86
+
+88
+
+90
+
+92
+
+94
+
+96
+98
+100
+
+111
+
+112
+
+109
+
+108
+
+My research did did not reveal any prior sales or transfers of the subject property for the three years prior to the effective date of this appraisal.
+Data source(s) 110
+My research did did not reveal any prior sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale.
+Data source(s) 113
+Report the results of the research and analysis of the prior sale or transfer history of the subject property and comparable sales (report additional prior sales on page 3).
+COMPARABLE SALE # 3
+118
+119
+120
+121
+
+Date of Prior Sale/Transfer
+Price of Prior Sale/Transfer
+Data Source(s)
+Effective Date of Data Source(s)
+Analysis of prior sale or transfer history of the subject property and comparable sales 122
+
+COMPARABLE SALE # 1
+118
+119
+120
+121
+
+COMPARABLE SALE # 2
+118
+119
+120
+121
+
+SUBJECT
+114
+115
+116
+117
+
+ITEM
+
+Summary of Sales Comparison Approach 123
+
+Indicated Value by Sales Comparison Approach $ 124
+Indicated Value by: Sales Comparison Approach $ 125
+128
+
+Cost Approach (if developed) $ 126
+
+Income Approach (if developed) $ 127

chunks/txt/e2457fa1dc4a428480ac1f485301907065c80f9094e558b15379500ad94cee1f.txt

@@ -0,0 +1,92 @@
+Derived Field
+
+Applicable to the
+Enterprise UAD
+records only. This
+field is not available
+for the FHA UAD
+records.
+
+Federal Housing Finance Agency
+
+16
+
+UAD PUF Version 2.1 Data Dictionary
+
+References
+
+Uniform Appraisal Dataset
+https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset
+https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad
+
+Uniform Mortgage Data Program Uniform Appraisal Dataset Specification Appendix A: GSE Appraisal Form Mapping, Version Date: February 2, 2022.
+https://singlefamily.fanniemae.com/media/17311/display
+
+Uniform Mortgage Data Program Uniform Appraisal Dataset Specification Appendix D: Field-Specific Standardization Requirements. Document 1.7, Version Date: February 2, 2022.
+https://singlefamily.fanniemae.com/media/21731/display
+
+Federal Housing Finance Agency
+
+17
+
+Frequency Distribution and Summary Statistics for Enterprise UAD PUF
+
+UAD PUF Version 2.1 Data Dictionary
+
+N
+
+Mean
+
+Median
+
+Min
+
+Max
+
+P1
+
+P5
+
+P10
+
+P25
+
+P50
+
+P75
+
+P90
+
+P95
+
+P99
+
+contract_price
+
+746,237 336,383 305,000
+
+5,000 1,705,000 65,000 115,000 145,000 205,000 305,000 425,000 575,000 685,000
+
+895,000
+
+appraised_value
+
+1,481,868 369,936 325,000
+
+5,000 1,705,000 75,000 125,000 155,000 215,000 325,000 465,000 645,000 725,000 1,275,000
+
+sales_range_high
+
+1,354,062 450,439 395,000
+
+5,000 1,705,000 95,000 145,000 185,000 265,000 395,000 585,000 725,000 875,000 1,705,000
+
+sales_range_low
+
+1,351,084 317,387 275,000
+
+5,000 1,705,000 45,000 85,000 125,000 175,000 275,000 395,000 565,000 695,000 1,095,000
+
+median_adjustment
+
+1,481,842

chunks/txt/e24f14589d6f0a61920d104128f86a767afd7eb1583a772829947f240725bdc2.txt

@@ -0,0 +1,92 @@
+/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/_COND
+ITION_OF_APPRAISAL[@_Type=‘SubjectToRepairs’]
+
+20
+
+Enumerated
+
+UAD Requirement - Refer to Appendix D Reconciliation Section
+A separate Valuation Reconciliation Condition of Appraisal element must be
+populated for each box that is checked.
+
+378
+
+379
+
+380
+
+2
+
+2
+
+2
+
+132
+
+RECONCILIATION
+
+The appraisal is made “subject to
+the following required
+inspection”
+
+Valuation
+Reconciliation
+Condition of
+Appraisal Type
+
+Specifies the appraisal's conclusion's
+dependency on future repairs or activities.
+
+/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/_COND
+ITION_OF_APPRAISAL[@_Type=‘SubjectToInspections’]
+
+20
+
+Enumerated
+
+UAD Requirement - Refer to Appendix D Reconciliation Section
+A separate Valuation Reconciliation Condition of Appraisal element must be
+populated for each box that is checked.
+
+133
+
+RECONCILIATION Comment Area
+
+Valuation
+Reconciliation
+Conditions
+
+A free-form text field used to summarize
+and clarify the conditions of the subject
+property upon which its valuation is
+
+/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/@_Con
+ditionsComment
+
+4000
+
+String
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+134
+
+RECONCILIATION Market Value
+
+Property Appraised
+Value Amount
+
+Statement of property's value from a valid
+property valuation source.
+
+/VALUATION_RESPONSE/VALUATION/@PropertyAppraisedValueAmo
+unt
+
+12
+
+Money
+
+UAD Requirement - Refer to Appendix D Reconciliation Section
+Note: This data is referenced more than once on the form and must be represented
+consistently.

chunks/txt/e250e286016a03275d391055b58a10ca4cbc01c8eae5998020b28438274a0007.txt

@@ -0,0 +1,104 @@
+I. Background
+
+A. Establishment of FHFA
+
+Effective July 30, 2008, Division A of
+
+HERA, Public Law 110–289, 122 Stat.
+2654 (2008), amended the Safety and
+Soundness Act and created FHFA as an
+independent agency of the Federal
+Government. HERA transferred the
+safety and soundness supervisory and
+oversight responsibilities over the
+Enterprises, the Federal Home Loan
+Banks (Banks), and the Office of Finance
+from the Office of Federal Housing
+Enterprise Oversight (OFHEO) and the
+Federal Housing Finance Board,
+respectively, to FHFA. HERA also
+transferred the charter compliance
+authority, the responsibility to establish,
+monitor and enforce the affordable
+housing goals, the responsibility to
+maintain the PUDB, and the
+responsibility to oversee Enterprise data
+reporting, from HUD to FHFA.
+
+FHFA is responsible for ensuring that
+
+the Enterprises operate in a safe and
+sound manner, including maintenance
+of adequate capital and internal
+controls, that their operations and
+activities foster liquid, efficient,
+
+VerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00042 Fmt 4703 Sfmt 4703 E:\FR\FM\15JYN1.SGM 15JYN1
+
+I
+
+S
+E
+C
+T
+O
+N
+h
+t
+i
+
+w
+D
+O
+R
+P
+1
+B
+6
+L
+C
+W
+H
+K
+S
+D
+n
+o
+
+n
+o
+s
+n
+b
+o
+r
+s
+
+i
+
+Federal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices
+
+41181
+
+competitive, and resilient national
+housing finance markets, and that they
+carry out their public policy missions
+through authorized activities. See 12
+U.S.C. 4513.
+
+The Enterprises are government-
+
+sponsored enterprises (GSEs) chartered
+by Congress for the purpose of
+establishing secondary market facilities
+for residential mortgages. See 12 U.S.C.
+1716 et seq.; 12 U.S.C. 1451 et seq.
+Specifically, Congress established the
+Enterprises to provide stability in the
+secondary market for residential
+mortgages, respond appropriately to the
+private capital market, provide ongoing
+assistance to the secondary market for
+residential mortgages, and promote
+access to mortgage credit throughout the
+nation. Id.

chunks/txt/e2559a53cc1dc71a1e03d5e999ef60b0f89ed62b0dbd98f79e3576a4c9109b4a.txt

@@ -0,0 +1,83 @@
+UNIT
+IMPROVEMENTS
+
+Does the property generally conform to
+the neighborhood (functional utility,
+style, condition, use, construction, etc.)?
+Yes
+
+Property Analysis
+Exists Indicator
+
+Indicates that the aspect of analysis is
+present in the property.
+
+/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='P
+hysicalDeficiency' and @_ExistsIndicator='N']
+
+1
+
+Boolean
+
+Property Analysis
+Comment
+
+A free-form text field that holds the
+property analysis comments for the
+analysis category specified by Property
+Analysis Type.
+
+/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='P
+hysicalDeficiency']/@_Comment
+
+4000
+
+String
+
+This field should contain a description of physical deficiencies or adverse conditions
+that affect the livability, soundness, or structural integrity of the property.
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+Property Analysis
+Exists Indicator
+
+Indicates that the aspect of analysis is
+present in the property.
+
+/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='C
+onformsToNeighborhood' and @_ExistsIndicator='Y']
+
+UNIT
+IMPROVEMENTS
+
+Does the property generally conform to
+the neighborhood (functional utility,
+style, condition, use, construction, etc.)?
+No
+
+Property Analysis
+Exists Indicator
+
+Indicates that the aspect of analysis is
+present in the property.
+
+/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='C
+onformsToNeighborhood' and @_ExistsIndicator='N']
+
+1
+
+1
+
+Boolean
+
+Boolean
+
+UNIT
+IMPROVEMENTS
+
+Does the property generally conform to
+the neighborhood (functional utility,
+style, condition, use, construction, etc.)?
+If No, describe

chunks/txt/e265d302eece6f2e79a4d625b3c6f2d6aafefc6d9abb6b28bbccde4e66f4737a.txt

@@ -0,0 +1,99 @@
+Other Real Property Rental Income
+
+Rent Schedule: Opinion of Market Income – Other Real Property Rental Income
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+23.01.22 N/A
+
+Always required
+
+Allowable
+Answers / Format
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+Definition / Additional Guidance
+
+Other Income Type
+•
+•
+
+None (there is no other real property rental income)
+Non-Tenant Parking (open or covered parking spaces are rented or leased
+to someone other than the occupants of the property units)
+Storage
+Other (Describe)
+
+•
+•
+
+For the subject property, this information displays in the following subsections
+of Rental Information:
+•
+
+Rent Schedule
+o
+o
+
+Actual Income (Monthly) 23.01.15
+Opinion of Market Income (Monthly) 23.01.22
+
+Notes:
+•
+
+•
+
+Only select a valid value (other than None) if there is actual or market
+income associated with it.
+If there is other real property rental income (actual or market), provide a
+description and details in Rental Analysis Commentary 23.04.01.
+
+23.01.23 N/A
+
+Required for each
+Other Income Type
+
+Dollar amount
+
+23.01.24 Subtotal
+
+Always required
+
+Dollar amount
+
+23.01.25 Total
+
+Always required
+
+Dollar amount
+
+Other Market Income
+Note: If an Other Income Type is selected, both the Other Actual Income and
+Other Market Income must be provided.
+
+Total Other Market Income
+Calculated: The sum of Other Market Income for all income types.
+
+Total Market Income
+Calculated: Total Monthly Market Rent + Total Other Market Income
+
+Appendix F-1: URAR Reference Guide
+
+Page 285 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Comparable Rental Properties

chunks/txt/e27e82c155f10f74f89901d226ce2addf984c6f5a5858ce4b05487c38d35bba7.txt

@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/policy"
+date_accessed: "2026-01-27T17:48:00.998Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)

chunks/txt/e284fcf744b6fb63e865f6e42f90c4ff00c5c69b3ea0478389715912e207503c.txt

@@ -0,0 +1,34 @@
+The Office of the Ombudsman will honor requests not to disclose the identity of a person submitting a complaint or appeal, or the information or materials provided by a party, except to appropriate reviewing officials or as required by law.
+
+## How to Contact the Ombudsman
+
+Complaints and appeals must be submitted in writing and include the information above. No specific form is required.
+
+Electronic submissions may be made at:
+
+[File A Complaint](/contact/ombudsman)
+
+Or sent by email to: [Ombudsman@fhfa.gov](mailto:Ombudsman@fhfa.gov)
+
+Submissions may be sent by U.S. mail to:
+
+**Ombudsman**
+**Federal Housing Finance Agency**
+**Constitution Center**
+**400 7th Street, SW**
+**Washington, D.C. 20219**
+
+For information on Accessibility and Section 508 of the Rehabilitation Act, click on this link
+[Accessibility Page](/about/fhfa-policies/accessibility)
+
+If you have a disability and the format of any material on our Web pages interferes with your ability to access the information, please contact the Agency’s webmaster at [FHFAWebmaster@FHFA.gov](mailto:FHFAWebmaster@FHFA.gov) or at 202-649-3031.
+
+Procedures of the FHFA Office of the Ombudsman may be found here: [Ombudsman Procedures](/sites/default/files/2024-11/Ombudsman-Procedures.pdf)
+
+## Resources for Making Complaints on Matters Outside FHFA Ombudsman Authority
+
+**To report suspected fraud or find resources about suspected fraud:**
+
+- Contact the FHFA Office of Inspector General at 800-793-7724 **or** visit the [FHFA OIG website](http://www.fhfaoig.gov/ReportFraud); or
+- Visit [FHFA's Fraud Prevention page](/programs/fraud-prevention)
+**To submit complaints about institutions other than housing GSEs:**

chunks/txt/e28aaf637da2ca21d731b2d2ffda8c97d0445a5dd2d04d4077a2e5b9659b52a0.txt

@@ -0,0 +1,145 @@
+30+ year asphalt shingle roof.
+
+Roof
+
+NewOrLikeNew
+
+Upgraded meeting Energy Star® requirements.
+
+Windows
+
+Low E thermal
+
+C2
+
+Q3
+
+TwoToThreeFeet
+
+1
+
+Subject meets requirements for CHOICEHome® and MH Advantage and features a poured concrete perimeter foundation and skirting, Low E thermal windows, a 30-year roof, aluminum siding and synthetic stone accents.
+
+Centralized
+
+Electric
+
+Other
+
+Heat Pump
+
+WaterHeater
+
+false
+
+PropertyPhoto
+
+\\Images\MH2_Dwelling_Front.jpg
+
+image/jpeg
+
+PropertyAccess
+
+\\Images\MH2_Street_Access.jpg
+
+image/jpeg
+
+DwellingFront
+
+\\Images\MH2_Dwelling_Front.jpg
+
+image/jpeg
+
+SalesComparableMap
+
+\\Images\MH2_Comp_Map.jpg
+
+image/jpeg
+
+FloorPlan
+
+\\Images\MH2_FloorPlan.png
+
+image/png
+
+SiteInfluence
+
+\\Images\MH2_Street_Access.jpg
+
+image/jpeg
+
+View
+
+\\Images\MH2_Street_Access.jpg
+
+image/jpeg
+
+Park
+
+SiteInfluence
+
+\\Images\MH2_Park.jpg
+
+image/jpeg
+
+DwellingRear
+
+\\Images\MH2_Dwelling_Rear.jpg
+
+image/jpeg
+
+Skirting
+
+ManufacturedHomeExhibit
+
+\\Images\MH2_Skirting.png
+
+image/png
+
+ManufacturedHomeFinancingProgramEligibilityCertification
+
+\\Images\MH2_ChoiceHome.png
+
+image/png
+
+ManufacturedHomeFinancingProgramEligibilityCertification
+
+\\Images\MH2_MHAdvantage.png
+
+image/png
+
+Section 1
+
+ManufacturedHomeHUDCertificationLabel
+
+\\Images\MH2_Certification_Label_1.jpg
+
+image/jpeg
+
+Section 2
+
+ManufacturedHomeHUDCertificationLabel
+
+\\Images\MH2_Certification_Label_2.jpg
+
+image/jpeg
+
+ManufacturedHomeHUDDataPlate
+
+\\Images\MH2_HUD_Data_Plate.jpg
+
+image/jpeg
+
+2022-03-14
+
+Physical
+
+Physical
+
+false
+
+25.165173
+
+-51.328125
+
+Main Road to the North, East Main Road to the East, West Main Road to the West, and Southern Highway to the South.

chunks/txt/e2986f69c1ea283af1355aa2e6c5d198400bd196177b3dd5550d42d8c2eab954.txt

@@ -0,0 +1,49 @@
+October 31, 2024
+
+## [AB 2024-05: Affordable Housing Program: Determining the Need for Affordable Housing Program Subsidy in Rental Projects](/advisory-bulletin/ab-2024-05)
+ - Federal Home Loan Banks
+
+September 27, 2024
+
+## [AB 2024-03: FHLBank Member Credit Risk Management](/advisory-bulletin/ab-2024-03)
+ - Fannie Mae, Freddie Mac, Other
+
+June 28, 2024
+
+## [AB 2024-02: Enterprise Operational Event Reporting](/advisory-bulletin/ab-2024-02)
+ - Fannie Mae, Freddie Mac
+
+August 17, 2023
+
+## [AB 2023-04: Supplemental Guidance to Advisory Bulletin 2021-03: Framework for Adversely Classifying Loans, Other Real Estate Owned, and Other Assets and Listing Assets for Special Mention](/advisory-bulletin/ab-2023-04)
+ - Federal Home Loan Banks
+
+April 17, 2023
+
+## [AB 2023-03: FHLBank Changes to Internal Market Risk Models](/advisory-bulletin/ab-2023-03)
+ - Federal Home Loan Banks, Fannie Mae, Freddie Mac
+
+January 13, 2023
+
+## [AB 2023-02: Supplemental Guidance to Advisory Bulletin 2017-02 - Information Security Management](/advisory-bulletin/ab-2023-02)
+ - Fannie Mae, Freddie Mac
+
+January 12, 2023
+
+## [AB 2023 - 01: Valuation of Mortgage Servicing Rights for Managing Counterparty Credit Risk](/advisory-bulletin/ab-2023-01)
+ - Federal Home Loan Banks, Fannie Mae, Freddie Mac
+
+December 21, 2022
+
+## [Model Risk Management Guidance](/advisory-bulletin/ab-2022-03)
+ - Fannie Mae, Freddie Mac
+
+February 10, 2022
+
+## [Artificial Intelligence/Machine Learning Risk Management](/advisory-bulletin/ab-2022-02)
+ - Fannie Mae, Freddie Mac
+
+February 8, 2022
+
+## [Insider Trading Risk Management](/advisory-bulletin/ab-2022-01)
+ - Federal Home Loan Banks, Fannie Mae, Freddie Mac

chunks/txt/e298821dc85aa71fff427cf0ea3fc528120a3b23e18d2caea3c58cd8918e8586.txt

@@ -0,0 +1,59 @@
+</HIGH_COST_MORTGAGE>
+ </HIGH_COST_MORTGAGES>
+
+…
+
+<LOAN_PRODUCT>
+
+<LOAN_PRICE_QUOTES>
+ <LOAN_PRICE_QUOTE>
+
+<LOAN_PRICE_QUOTE_DETAL>
+
+<LoanPriceQuoteInterestRatePercent>6.5000</LoanPriceQuoteInterestRatePercent>
+
+UCD v2.0 Implementation Guide
+
+- 106 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Figure 73. XML Snippet - High Cost Mortgage Data.
+
+</LOAN_PRICE_QUOTE_DETAIL>
+
+</LOAN_PRICE_QUOTE>
+ </LOAN_PRICE_QUOTES>
+
+<LOAN_PRODUCT>
+
+…
+
+</MESSAGE>
+
+3. QUALIFIED MORTGAGES (QM)
+
+Reg Z implements TILA, which prohibits lenders from making a higher-priced mortgage loan without regard to the
+consumer’s ability to repay (ATR) the loan, and Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and Consumer
+Protection Act (Dodd-Frank Act), which generally require lenders to make a reasonable, good faith determination of a
+consumer’s ATR. Reg Z establishes certain protections from liability under this requirement for “qualified mortgages”.
+
+A qualified mortgage falls into a category of loans that have certain, more stable features that help make it more likely
+that the borrower is able to afford the loan. The QM label indicates that the lender met certain requirements and is assumed
+to have followed the ability-to-repay rule. The GSEs collect Reg Z ATR and QM data on closing transaction fees and loan costs.
+None of these are on the Closing Disclosure.
+
+Table 50. UCD v2.0 Spec Excerpt - QM Data Requirements.
+
+UCD UID MISMO v3.3.0 Data Point
+
+Delivered Value
+
+Implementation Notes
+
+MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/QU
+ALIFIED_MORTGAGE/ QUALIFIED_MORTGAGE_DETAIL

chunks/txt/e29a572043cb421ed2e5d88e28332659dad2d80f747b70b7856be8c8abcf78ac.txt

@@ -0,0 +1,115 @@
+Property Postal Code
+
+The postal code (zip code in the US)
+of the subject property. Zip code may
+be either 5 or 9 digits.
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/LOCATION/@PropertyPostalCode
+
+292
+
+2
+
+47
+
+SALES
+COMPARISON
+APPROACH
+
+Proximity to Subject
+
+Proximity To Subject
+Description
+
+A free-form text field used to describe
+the proximity of a comparable
+property to the subject property.
+
+293
+
+2
+
+48
+
+SALES
+COMPARISON
+APPROACH
+
+Sale Price
+
+Property Sales
+Amount
+
+The sales price of the referenced
+property.
+
+294
+
+2
+
+49
+
+SALES
+COMPARISON
+APPROACH
+
+Sale Price/Gross Liv.
+Area
+
+Sales Price Per Gross
+Living Area Amount
+
+The sales price in terms of dollars per
+square foot of gross living area. This
+is a ratio between the sales price and
+an area, but it is a monetary value
+rather than a factor or rate.
+(CALCULATED RESULTS FIELD)
+
+295
+
+2
+
+e-25
+
+SALES
+COMPARISON
+APPROACH
+
+Data Source(s)
+
+GSE Data Source
+Description
+
+A data source used for information
+about the sale and characteristics of
+the comparable property.
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/LOCATION/@ProximityToSubjectDescription
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/@PropertySalesAmount
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/@SalesPricePerGrossLivingAreaAmount
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/COMPARISON_DETAIL_EXTENSION/CO
+MPARISON_DETAIL_EXTENSION_SECTIO
+N[@ExtensionSectionOrganizationName='UNIF
+ORM APPRAISAL
+DATASET']/COMPARISON_DETAIL_EXTE
+NSION_SECTION_DATA/COMPARISON_D
+ETAIL/@GSEDataSourceDescription

chunks/txt/e29e36ab6a029387dc0e04d760ecc52098c98062d9009e2775cfd0d62b67fb7a.txt

@@ -0,0 +1,27 @@
+#### Utility Allowances Letters
+
+Year Fannie Mae Freddie Mac 2024-Present [[PDF]](/sites/default/files/2024-02/Utility-Allowance-Letter-Fannie-Mae-121523.pdf) [[PDF]](/sites/default/files/2024-02/Utility-Allowance-Letter-Freddie-Mac-121523.pdf) 2015-2023 [[PDF]](/sites/default/files/2024-02/Utility-Allowance-Letter-Fannie-Mae-082715.pdf) [[PDF]](/sites/default/files/2024-02/Group-Homes-Freddie-Mac-2252016.pdf)
+
+[Affordable Housing and Community Investment page](/programs/affordable-housing)
+
+*Page last updated: December 23, 2025*
+
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)

chunks/txt/e2a97693fdbaf41989abb691fe9b330e655d147db0bdb4f47b37c1cb13f54d81.txt

@@ -0,0 +1,57 @@
+15. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this
+assignment.
+
+Appraiser Reference ID AA234567Client Reference ID 1234567Update Version #1Fannie Mae | Freddie Mac September 2024Appraisal Update Scenario (AU1)
+
+Restricted Appraisal Update Report
+
+Page 3 of 3
+
+Certifications (continued)
+
+Signature
+
+Appraiser
+Allan Appraiser
+Allan Appraiser
+
+03/20/2020
+
+Date of Signature and Report
+
+Level
+ID
+State
+Expires
+
+Certified Residential
+1234456A
+VA
+03/31/2022
+
+Appraiser Reference ID AA234567 Client Reference ID 1234567Update Version #1Fannie Mae | Freddie Mac September 2024Appraisal Update Scenario (AU1)
+
+Completion Report Scenario 1 – Repair (CR1)
+
+Introduction
+
+The appraisal was initially made subject to repair as the hot water heater did not appear to be
+operational. The property was later reinspected, and the water heater is reported to have been
+repaired. However, additional damage was noted as the carpet within the basement was damaged due
+to a water leak prior to the repair of the hot water heater. Thus, the carpet is required to be replaced as
+this may have impacted the original assignment results.
+
+Note: It is not typical for a Completion Report to identify new issues. This scenario is intended to be an
+example of what the report and XML would reflect in the rare instance when this occurs.
+
+Key Characteristics
+
+• Multiple defects noted
+
+o Original: Water heater non-operational
+o New: Carpet damage due to water leak
+
+• Market Value Condition remains Subject to Repair
+
+Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to
+information in the completion report.

chunks/txt/e2ced28e2758d4cc88a0d51636bd9876410979180b8c4ff232cb3635faef6f70.txt

@@ -0,0 +1,25 @@
+Disaster Mitigation
+
+The appraiser must identify and include in the appraisal report disaster mitigation features for the subject property and the
+comparable sale(s) designed to prevent or reduce impacts and risks caused by a natural disaster. Examples of preventative
+measures include fire-resistant exterior walls, a fortified roof, impact resistant glass, and flood vents.
+
+Highest and Best Use
+
+Fannie Mae will only purchase or securitize a loan that represents the highest and best use of the site as improved. If the current
+improvements clearly do not represent the highest and best use of the site as an improved site, that must be indicated on the
+appraisal report.
+
+For improvements to represent the highest and best use of a site, they must be legally permitted, financially feasible, physically
+possible, and maximally productive (must provide more profit than any other use of the site would generate) on the effective date
+of the appraisal report. All of those criteria must be met if the improvements are to be considered as the highest and best use of a
+site.
+
+The appraiser’s highest and best use analysis of the subject property should consider the property as improved, recognizing the
+existing improvements should continue in its current use until it is financially feasible to renovate or remove the existing
+structure(s) and redevelop the site to a new use.
+
+If the use of comparable sales demonstrates that the improvements are reasonably typical and compatible with market demand
+for the market area, and the present improvements add value to the subject property so that its value is greater than the
+estimated vacant site value, the appraiser should consider the existing use as reasonable and probable reporting it as the highest
+and best use.

chunks/txt/e2d6ffebf7c0ae57cdee632737f7578757bededf14f1e697ab59f60c5902cd5b.txt

@@ -0,0 +1,181 @@
+33
+
+34
+
+35
+
+36
+
+37
+
+38
+
+39
+
+40
+
+41
+
+42
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+26
+
+27
+
+28
+
+29
+
+30
+
+31
+
+32
+
+33
+
+34
+
+35
+
+36
+
+37
+
+38
+
+39
+
+24
+
+SUBJECT
+
+Occupant
+Vacant
+
+Property Current
+Occupancy Type
+
+Specifies the property occupancy status of
+a subject property.
+
+/VALUATION_RESPONSE/PROPERTY[@_CurrentOccupancyType='Vacant']
+
+25
+
+SUBJECT
+
+Special Assessments $
+
+Property Tax Total
+Special Tax Amount
+
+The total of all of the property's special
+real estate taxes for this tax year (Property
+Tax Year Identifier) across all tax
+jurisdictions and authorities. This is the
+amount assessed for the tax year, not the
+amount paid. (see Property Tax Special).
+
+/VALUATION_RESPONSE/PROPERTY/_TAX/@_TotalSpecialTaxAmount
+
+SUBJECT
+
+HOA $
+
+Project Per Unit Fee
+Amount
+
+The amount charged to each unit by the
+project management.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/_PER_UNIT_FEE/@_Am
+ount
+
+SUBJECT
+
+HOA $
+per year
+
+Project Per Unit Fee
+Period Type
+
+Specifies the period about which the fees
+per unit apply.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/_PER_UNIT_FEE[@_Peri
+odType='Annually']
+
+SUBJECT
+
+HOA $
+per month
+
+Project Per Unit Fee
+Period Type
+
+Specifies the period about which the fees
+per unit apply.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/_PER_UNIT_FEE[@_Peri
+odType='Monthly']
+
+SUBJECT
+
+Property Rights Appraised
+Fee Simple
+
+Property Rights
+Type
+
+Specifies the intended property ownership
+rights for the property.
+
+/VALUATION_RESPONSE/PROPERTY[@_RightsType='FeeSimple']
+
+SUBJECT
+
+Property Rights Appraised
+Leasehold
+
+Property Rights
+Type
+
+Specifies the intended property ownership
+rights for the property.

chunks/txt/e2dad2533083ad6f1890a033648b3138a6f182ea2d0eeb845992b9a76270cde4.txt

@@ -0,0 +1,65 @@
+---
+
+## **July 2021**
+
+## **​Multifamily Radon Standards​​**
+
+Date: 7/20/2021
+
+Time: 1:00 PM​​
+
+## **Duty to Serve Proposed 2022-2024 Underserved Markets Plans**
+
+Date: 7/12/2021 - 7/14/2021
+
+Time: 1:00 PM​
+
+​[Rural Housing Agenda, Transcript, Presentations, and Video](/news/videos/fhfa-public-listening-session-duty-to-serve-rural-housing)
+
+[Affordable Housing Preservation Agenda, Transcript, Presentations, and Video](/news/videos/fhfa-public-listening-session-duty-to-serve-affordable-housing-preservation)​
+
+[Manufactured Housing Agenda, Transcript, Presentations, and Video](/news/videos/fhfa-public-listening-session-duty-to-serve-manufactured-housing)
+
+---
+
+## **June 2021**
+
+## **Closing the Gap to S​ustainable Homeownership**
+
+Date: 6/29/2021
+
+Time: 1:00 PM​​
+
+Agenda and Video​​
+
+## **Single Family Small Lender Access Listening Session**
+
+Date: 6/3/2021
+
+Time: 1:00 PM​
+
+Location: Online Event
+
+[Single Family Small Lender Access Listening Session Agenda, Transcript, and Video](/news/videos/single-family-small-lender-access)​
+
+---
+
+## **May 2021**
+
+## **Protecting Borrowers in the COVID Environment Joint with CFPB**
+
+Date: 5/13/2021
+
+Time: 1:00 PM
+
+Location: Online Event
+
+[Protecting Borrowers in the COVID Environment Listening Session Agenda, Transcript, Presentations, and Video](/news/videos/protecting-borrowers-during-the-covid-pandemic)
+
+---
+
+## **April 2021**
+
+## **Multifamily Small Lender Access**
+
+Date: 4/30/2021