diff --git a/.gitattributes b/.gitattributes
index 71b4b6fe35afbb0e546f0247e9c4c90928ef0248..162b33e0bdaa22addd213fdf0c321bf9e04dfafe 100644
--- a/.gitattributes
+++ b/.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
diff --git a/chunks/txt/e0b6f99f9d55b1d81938e92f11024cf6f8508fc4cf87427abb7deb1ddeee9840.txt b/chunks/txt/e0b6f99f9d55b1d81938e92f11024cf6f8508fc4cf87427abb7deb1ddeee9840.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5333d42a8d37bea85f2da043147d48bc7ebde4ba
--- /dev/null
+++ b/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
diff --git a/chunks/txt/e0c581abbe2871dd6d3ece48f0d5bb00bb45afdcdcc3eb43c04f83318368eb34.txt b/chunks/txt/e0c581abbe2871dd6d3ece48f0d5bb00bb45afdcdcc3eb43c04f83318368eb34.txt
new file mode 100644
index 0000000000000000000000000000000000000000..73b11cd25ffc6ea54c6da5115dc41e52374e863d
--- /dev/null
+++ b/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
diff --git a/chunks/txt/e0f0e2c7cdca4f4605af2def2dfcbee538d5be2d28ce5f2b87c4d3fd1a0773f4.txt b/chunks/txt/e0f0e2c7cdca4f4605af2def2dfcbee538d5be2d28ce5f2b87c4d3fd1a0773f4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f73e55211e13e1882fc84171f4c9711b018cc22d
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/e0f1b1b299e369cf34a55e6e0c99c7d321d5857e3fe9308344fa3dbce62312ac.txt b/chunks/txt/e0f1b1b299e369cf34a55e6e0c99c7d321d5857e3fe9308344fa3dbce62312ac.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6745a85f8327ca121d403b4bf5e42ee00f0ebb85
--- /dev/null
+++ b/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)
diff --git a/chunks/txt/e0f5d89884d315e78d0e7dbe6182c0cea3f2c5ab1d218c7f3657f22ce3d8d8e7.txt b/chunks/txt/e0f5d89884d315e78d0e7dbe6182c0cea3f2c5ab1d218c7f3657f22ce3d8d8e7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..20c1433af503d9149a7d88cca08953fd79178482
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/e0fdff5be8e631e709d64ddeb6c4300c8e1a6725e027f0688acf4e61214ad252.txt b/chunks/txt/e0fdff5be8e631e709d64ddeb6c4300c8e1a6725e027f0688acf4e61214ad252.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b6afd65f41452775130af2de1d1521371cfcb912
--- /dev/null
+++ b/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
diff --git a/chunks/txt/e0ff39b5408b45f1f0d040f95b720ad03010c5ecab9bbc18b8e9daa480dc87b8.txt b/chunks/txt/e0ff39b5408b45f1f0d040f95b720ad03010c5ecab9bbc18b8e9daa480dc87b8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5d589c55fc72cd9ff694d26158bc1d5966cf4c7c
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/e100dfeeb69e7c865e3254ce90607f07e67a48a715176b8823869916d1d035c4.txt b/chunks/txt/e100dfeeb69e7c865e3254ce90607f07e67a48a715176b8823869916d1d035c4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5346cb2ad22e33d8d1d2e57a6aac81d7bee9fdfa
--- /dev/null
+++ b/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*.
diff --git a/chunks/txt/e11000e448f88013c21969827b2b4a3cb2994f19b7282c6a2e5cb32ec94558eb.txt b/chunks/txt/e11000e448f88013c21969827b2b4a3cb2994f19b7282c6a2e5cb32ec94558eb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9d11b5780feaa2cacf95f0025b4440c22fbe6890
--- /dev/null
+++ b/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)
diff --git a/chunks/txt/e125b413b77d47bc8cd17d227b3e5d40887810e76f43e4e80eb4853ba37add54.txt b/chunks/txt/e125b413b77d47bc8cd17d227b3e5d40887810e76f43e4e80eb4853ba37add54.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6f624fb3b867b68e6ea0d6d0c6a8437502adb0b4
--- /dev/null
+++ b/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
diff --git a/chunks/txt/e127b705f9c983f05ea81bf8be2b77e66f9decdf9fb90c4ed785834e942cc396.txt b/chunks/txt/e127b705f9c983f05ea81bf8be2b77e66f9decdf9fb90c4ed785834e942cc396.txt
new file mode 100644
index 0000000000000000000000000000000000000000..392f6f28a327862861f7c031c2024eb1095e8689
--- /dev/null
+++ b/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)
diff --git a/chunks/txt/e1314461ac0735432d2a53a619c408f17270b7034517a7e4fe22bfd70c71994f.txt b/chunks/txt/e1314461ac0735432d2a53a619c408f17270b7034517a7e4fe22bfd70c71994f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cafbfcdfe144e29ed2f2ff1993c43cc8ed6f5164
--- /dev/null
+++ b/chunks/txt/e1314461ac0735432d2a53a619c408f17270b7034517a7e4fe22bfd70c71994f.txt
@@ -0,0 +1,96 @@
+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.
diff --git a/chunks/txt/e131f75576e30c8f71f4c5dbf04e54e1b88eb0063fc5fa7efeafbd7d74636285.txt b/chunks/txt/e131f75576e30c8f71f4c5dbf04e54e1b88eb0063fc5fa7efeafbd7d74636285.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5232dcf7921292ddb32b48e0c144840364291350
--- /dev/null
+++ b/chunks/txt/e131f75576e30c8f71f4c5dbf04e54e1b88eb0063fc5fa7efeafbd7d74636285.txt
@@ -0,0 +1,134 @@
+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
diff --git a/chunks/txt/e13c5113d3ba88150933f11e041bd29794f5009f76f3c172ea367853ea97a1db.txt b/chunks/txt/e13c5113d3ba88150933f11e041bd29794f5009f76f3c172ea367853ea97a1db.txt
new file mode 100644
index 0000000000000000000000000000000000000000..31234c46ad34318b3bd70eea9378025a43f8ef33
--- /dev/null
+++ b/chunks/txt/e13c5113d3ba88150933f11e041bd29794f5009f76f3c172ea367853ea97a1db.txt
@@ -0,0 +1,111 @@
+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.
diff --git a/chunks/txt/e13d578eaaf768830830004a83d7292f9a407650ef903f937416136ee751ab1f.txt b/chunks/txt/e13d578eaaf768830830004a83d7292f9a407650ef903f937416136ee751ab1f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..40a2155c89c8ee9ddab6a3a3b90fb00be2afc6b1
--- /dev/null
+++ b/chunks/txt/e13d578eaaf768830830004a83d7292f9a407650ef903f937416136ee751ab1f.txt
@@ -0,0 +1,8 @@
+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)
diff --git a/chunks/txt/e1590e5edbe2f4b434f796a42f37e17b88324842a0b3d003d62b9ec666c5dbe5.txt b/chunks/txt/e1590e5edbe2f4b434f796a42f37e17b88324842a0b3d003d62b9ec666c5dbe5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d40ff9fe7b681ea154b7d9f2eabb5270b8c64c89
--- /dev/null
+++ b/chunks/txt/e1590e5edbe2f4b434f796a42f37e17b88324842a0b3d003d62b9ec666c5dbe5.txt
@@ -0,0 +1,90 @@
+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.
diff --git a/chunks/txt/e15f450f56443f52ed28b89c52040ef7dfc73115d99390604331128cc23fdc1c.txt b/chunks/txt/e15f450f56443f52ed28b89c52040ef7dfc73115d99390604331128cc23fdc1c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cefce71c9a79fb5fe9c2d09feec33fddefe8604f
--- /dev/null
+++ b/chunks/txt/e15f450f56443f52ed28b89c52040ef7dfc73115d99390604331128cc23fdc1c.txt
@@ -0,0 +1,29 @@
+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.
diff --git a/chunks/txt/e169f599ff936bc753b941566dec33ad05d279a6dd2e4e92566f181d4136920b.txt b/chunks/txt/e169f599ff936bc753b941566dec33ad05d279a6dd2e4e92566f181d4136920b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3748adc44defcadcea763e2f1dccf373888b3ae2
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/e1988585d453525ffccc7bacbe955e2ada5185fc28d8678985db6b698465f70d.txt b/chunks/txt/e1988585d453525ffccc7bacbe955e2ada5185fc28d8678985db6b698465f70d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..86700ad423cf16254d6209fcb40da049cfde1805
--- /dev/null
+++ b/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)
diff --git a/chunks/txt/e1a133e75a18482f5fd6a915e838682bdc07438d04eb3f3322cc2ac2092b972d.txt b/chunks/txt/e1a133e75a18482f5fd6a915e838682bdc07438d04eb3f3322cc2ac2092b972d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d2a7dd239f073d5ea5ec3adfd48da6d41e1d191d
--- /dev/null
+++ b/chunks/txt/e1a133e75a18482f5fd6a915e838682bdc07438d04eb3f3322cc2ac2092b972d.txt
@@ -0,0 +1,36 @@
+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.
diff --git a/chunks/txt/e1aa02ee4d43cd6066094904bca3043e0837975d359257690a62d36b73494e4e.txt b/chunks/txt/e1aa02ee4d43cd6066094904bca3043e0837975d359257690a62d36b73494e4e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..02e7a552547a032bdffedbd7a44e5bb468d039e8
--- /dev/null
+++ b/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)
diff --git a/chunks/txt/e1c2a90adf354fefd52980a8e12b40ead177aa7cbb2fd3f1c6ea9fa583c0e59d.txt b/chunks/txt/e1c2a90adf354fefd52980a8e12b40ead177aa7cbb2fd3f1c6ea9fa583c0e59d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..253c957aeda01d77d5f4ff9093b872a1f568c45a
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/e1d151a3624b4a3370a7e26ba864ac9b3f7e32e41a1ba4ab72b36a1a2227f153.txt b/chunks/txt/e1d151a3624b4a3370a7e26ba864ac9b3f7e32e41a1ba4ab72b36a1a2227f153.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2d8a64bfb1281aac6cac68697f4a80105800990e
--- /dev/null
+++ b/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)
diff --git a/chunks/txt/e1d5100a6f18851aca3274ce33e3740ce652aabd74f028a77e3585bd2f6c4c80.txt b/chunks/txt/e1d5100a6f18851aca3274ce33e3740ce652aabd74f028a77e3585bd2f6c4c80.txt
new file mode 100644
index 0000000000000000000000000000000000000000..97957c44ebe464d91d3ba4987d17a56e899ea592
--- /dev/null
+++ b/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
diff --git a/chunks/txt/e1e2a8ab758924dcf124161f1cb55de4af1ebfa233404cd8365bcbd5ff2474c0.txt b/chunks/txt/e1e2a8ab758924dcf124161f1cb55de4af1ebfa233404cd8365bcbd5ff2474c0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1a63cd63608cf673a396765205f759cfccd88b72
--- /dev/null
+++ b/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); })();
diff --git a/chunks/txt/e1e9c6c724897d91bc15456bc6247e63eb33943f9b621452b8d33f593a6535b5.txt b/chunks/txt/e1e9c6c724897d91bc15456bc6247e63eb33943f9b621452b8d33f593a6535b5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..315b0001edee9b2a3c9c9ca37e248a89eab15e71
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/e1edba9a387f675edc4f4a10e6bc744c45ed4fbf3580936c01d8912eb9f5acd9.txt b/chunks/txt/e1edba9a387f675edc4f4a10e6bc744c45ed4fbf3580936c01d8912eb9f5acd9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..03474f4c2896f76be7e42571709f27110c4d49d8
--- /dev/null
+++ b/chunks/txt/e1edba9a387f675edc4f4a10e6bc744c45ed4fbf3580936c01d8912eb9f5acd9.txt
@@ -0,0 +1,5 @@
+Data Mapping and PDF Rendering Information ....................................................................................................................................................................... 21
+
+05 Completion Status ..................................................................................................................................................................................................... 23
+
+Overview ................................................................................................................................................................................................................................... 23
diff --git a/chunks/txt/e204a5c093b8b22852e5f7ce9799dd3826d58b3040e9a6a3376c30c659b1295a.txt b/chunks/txt/e204a5c093b8b22852e5f7ce9799dd3826d58b3040e9a6a3376c30c659b1295a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5791995360d767051318be59fed0383790100290
--- /dev/null
+++ b/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
diff --git a/chunks/txt/e20e3c4e3b258605bf64f7ca8651e091f58cf4a18dd507be54afc607a42c72a4.txt b/chunks/txt/e20e3c4e3b258605bf64f7ca8651e091f58cf4a18dd507be54afc607a42c72a4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b8467939ddf32cb60622f24e3e32ed568dabf248
--- /dev/null
+++ b/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”.
diff --git a/chunks/txt/e215a836d7ec01b0fa9796a5ffbcd5a6341309e4e904def6edbb089b72e6f04e.txt b/chunks/txt/e215a836d7ec01b0fa9796a5ffbcd5a6341309e4e904def6edbb089b72e6f04e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d8cd401c838915dd3cff31290ff365f4147aca03
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/e21cb04587b99569dd72a0f26c61f0ee6658025f3580de73dbfb4540b70d70c9.txt b/chunks/txt/e21cb04587b99569dd72a0f26c61f0ee6658025f3580de73dbfb4540b70d70c9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c282f5b9782b17e71948c215a52f5a16e67d7b58
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/e21eb20a93209938f8427493c50ca8c300d3c697d79b08f86232b382c4c41dbe.txt b/chunks/txt/e21eb20a93209938f8427493c50ca8c300d3c697d79b08f86232b382c4c41dbe.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3e8b174279517ade556282232e48c6025959d0f2
--- /dev/null
+++ b/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
diff --git a/chunks/txt/e222cb33a7361a4719bd2f3bfb02fe225d1adef2efa1dec8b8eaadcceddf7f43.txt b/chunks/txt/e222cb33a7361a4719bd2f3bfb02fe225d1adef2efa1dec8b8eaadcceddf7f43.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1db1b322b26309cb9eec43da96217fd81dd1403a
--- /dev/null
+++ b/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
diff --git a/chunks/txt/e2457fa1dc4a428480ac1f485301907065c80f9094e558b15379500ad94cee1f.txt b/chunks/txt/e2457fa1dc4a428480ac1f485301907065c80f9094e558b15379500ad94cee1f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d32411fa19d1a77c1cee058aba21edb2289f9387
--- /dev/null
+++ b/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
diff --git a/chunks/txt/e24f14589d6f0a61920d104128f86a767afd7eb1583a772829947f240725bdc2.txt b/chunks/txt/e24f14589d6f0a61920d104128f86a767afd7eb1583a772829947f240725bdc2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ab394dae9553a48a790c801d1b30d9161c84df2e
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/e250e286016a03275d391055b58a10ca4cbc01c8eae5998020b28438274a0007.txt b/chunks/txt/e250e286016a03275d391055b58a10ca4cbc01c8eae5998020b28438274a0007.txt
new file mode 100644
index 0000000000000000000000000000000000000000..57b5e10c1d937757f12ad8c3322fdb26642d2aac
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/e2559a53cc1dc71a1e03d5e999ef60b0f89ed62b0dbd98f79e3576a4c9109b4a.txt b/chunks/txt/e2559a53cc1dc71a1e03d5e999ef60b0f89ed62b0dbd98f79e3576a4c9109b4a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f0be21b082be048813d94898136150691eb67b52
--- /dev/null
+++ b/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
diff --git a/chunks/txt/e265d302eece6f2e79a4d625b3c6f2d6aafefc6d9abb6b28bbccde4e66f4737a.txt b/chunks/txt/e265d302eece6f2e79a4d625b3c6f2d6aafefc6d9abb6b28bbccde4e66f4737a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..389387e6e28ecf2b4d68c06a8584e3a68bac1041
--- /dev/null
+++ b/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
diff --git a/chunks/txt/e27e82c155f10f74f89901d226ce2addf984c6f5a5858ce4b05487c38d35bba7.txt b/chunks/txt/e27e82c155f10f74f89901d226ce2addf984c6f5a5858ce4b05487c38d35bba7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..957fb03107a912d4617bb6205127fe3637cae538
--- /dev/null
+++ b/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)
diff --git a/chunks/txt/e284fcf744b6fb63e865f6e42f90c4ff00c5c69b3ea0478389715912e207503c.txt b/chunks/txt/e284fcf744b6fb63e865f6e42f90c4ff00c5c69b3ea0478389715912e207503c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c4acd1391162e84cc8c2c815a41f59cfb1794815
--- /dev/null
+++ b/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:**
diff --git a/chunks/txt/e28aaf637da2ca21d731b2d2ffda8c97d0445a5dd2d04d4077a2e5b9659b52a0.txt b/chunks/txt/e28aaf637da2ca21d731b2d2ffda8c97d0445a5dd2d04d4077a2e5b9659b52a0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d1f0a048214c9241e47954cd5cbea2d0d16bfa12
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/e2986f69c1ea283af1355aa2e6c5d198400bd196177b3dd5550d42d8c2eab954.txt b/chunks/txt/e2986f69c1ea283af1355aa2e6c5d198400bd196177b3dd5550d42d8c2eab954.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e5dbf083c0503873d279eff55889a4c547c86c96
--- /dev/null
+++ b/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
diff --git a/chunks/txt/e298821dc85aa71fff427cf0ea3fc528120a3b23e18d2caea3c58cd8918e8586.txt b/chunks/txt/e298821dc85aa71fff427cf0ea3fc528120a3b23e18d2caea3c58cd8918e8586.txt
new file mode 100644
index 0000000000000000000000000000000000000000..45294932db7812650c9a4c285acd927a841ea4ca
--- /dev/null
+++ b/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
diff --git a/chunks/txt/e29a572043cb421ed2e5d88e28332659dad2d80f747b70b7856be8c8abcf78ac.txt b/chunks/txt/e29a572043cb421ed2e5d88e28332659dad2d80f747b70b7856be8c8abcf78ac.txt
new file mode 100644
index 0000000000000000000000000000000000000000..92e17a989ebddeb2a955abbbfed0e0f5efb1a8c4
--- /dev/null
+++ b/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
diff --git a/chunks/txt/e29e36ab6a029387dc0e04d760ecc52098c98062d9009e2775cfd0d62b67fb7a.txt b/chunks/txt/e29e36ab6a029387dc0e04d760ecc52098c98062d9009e2775cfd0d62b67fb7a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b80ed035143042e16be3f1a64bac601317f00fb4
--- /dev/null
+++ b/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/)
diff --git a/chunks/txt/e2a97693fdbaf41989abb691fe9b330e655d147db0bdb4f47b37c1cb13f54d81.txt b/chunks/txt/e2a97693fdbaf41989abb691fe9b330e655d147db0bdb4f47b37c1cb13f54d81.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b85e94de694e8e028781ea41296852948533a92f
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/e2ced28e2758d4cc88a0d51636bd9876410979180b8c4ff232cb3635faef6f70.txt b/chunks/txt/e2ced28e2758d4cc88a0d51636bd9876410979180b8c4ff232cb3635faef6f70.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f92dddd1e97a751eedf8e24d9822af6611f667a8
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/e2d6ffebf7c0ae57cdee632737f7578757bededf14f1e697ab59f60c5902cd5b.txt b/chunks/txt/e2d6ffebf7c0ae57cdee632737f7578757bededf14f1e697ab59f60c5902cd5b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e4c8cd699c39fcb72352bbd38c4520217396d9df
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/e2dad2533083ad6f1890a033648b3138a6f182ea2d0eeb845992b9a76270cde4.txt b/chunks/txt/e2dad2533083ad6f1890a033648b3138a6f182ea2d0eeb845992b9a76270cde4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a2d65e1d752473b1b78b745a55b8f50733aedbb0
--- /dev/null
+++ b/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
diff --git a/chunks/txt/e2f5e14b711f9658b0d7aa6a1effdab61ef4661444f348e48cba011725f07fd0.txt b/chunks/txt/e2f5e14b711f9658b0d7aa6a1effdab61ef4661444f348e48cba011725f07fd0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e0fc16e7675b8d1d6af2e93e6105e2108e633ad8
--- /dev/null
+++ b/chunks/txt/e2f5e14b711f9658b0d7aa6a1effdab61ef4661444f348e48cba011725f07fd0.txt
@@ -0,0 +1,66 @@
+Additional Resources
+
+For additional information, please reference the documents and web sites listed below.
+
+Document Name and
+Description
+
+URL
+
+Online HUD Handbook 4000.1
+
+http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/handbook_400
+0-1
+
+HUD Mortgagee Letters
+
+https://www.hud.gov/hudclips/letters/mortgagee
+
+FHA Mortgage Limits
+
+https://entp.hud.gov/idapp/html/hicostlook.cfm
+
+CHUMS Data Files
+
+http://www.hud.gov/pub/chums/file_layouts.html
+
+FHA Resource Center: Contact
+Information and FAQs
+
+http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/fharesourcectr
+
+VA Lenders Handbook
+
+https://benefits.va.gov/warms/pam26_7.asp
+
+© 2024 Fannie Mae. Trademarks of Fannie Mae.
+
+1.3.24
+
+1 of 2
+
+Document Name and
+Description
+
+URL
+
+VA Circulars
+
+VA Loan Limits
+
+https://www.benefits.va.gov/HOMELOANS/resources_circulars.asp
+
+https://www.va.gov/housing-assistance/home-loans/loan-limits/
+
+VA Regional Loan Centers: Contact
+Information
+
+For More Information
+
+https://www.benefits.va.gov/homeloans/contact_rlc_info.asp
+
+More information can be found in the Help Center, which is accessed through the Desktop Originator® (DO®)/DU User Interface.
+Additionally, lenders may contact their Fannie Mae Business Account Management Solutions team, and mortgage brokers should
+contact their DO sponsoring wholesale lender. For questions regarding VA policies and guidelines, lenders and mortgage brokers
+should contact their VA Regional Loan Center. For questions regarding HUD policies and guidelines, lenders and mortgage
+brokers should contact HUD at 1-800-CALL-FHA (1-800-225-5342).
diff --git a/chunks/txt/e2fa572a00b7fd1bfbc60f9a9b1e863d8b4ca58a57371b3e66c367cda535053a.txt b/chunks/txt/e2fa572a00b7fd1bfbc60f9a9b1e863d8b4ca58a57371b3e66c367cda535053a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ef2dc6dfe66bc6ee25345a9eea60244c7c2710d3
--- /dev/null
+++ b/chunks/txt/e2fa572a00b7fd1bfbc60f9a9b1e863d8b4ca58a57371b3e66c367cda535053a.txt
@@ -0,0 +1,136 @@
+Uniform Residential Appraisal Report
+
+Page 11 of 22
+
+Market (continued)
+
+Market Exhibits
+
+Price Trend
+
+This is where the Price Trend graph would display.
+
+Project Information
+
+Planned Unit Development (PUD) 
+
+Condominium 
+
+Cooperative 
+
+Condop 
+
+Project Information Data Source Property Management
+
+Mandatory Fees (HOA, PUD, or Co-op)
+
+Company
+
+Monthly Amount
+Common Amenities/
+Services Included
+
+Utilities Included
+
+$284
+
+Clubhouse
+Fitness Area
+Inground Pool
+Recreation Area
+Snow Removal
+None
+
+Project Factors and Impact to Value/Marketability
+
+Project Factor
+Developer/Sponsor in Control
+
+Known Legal Actions
+
+Unit Special Assessments
+
+Unit Tax Abatements or Exemptions
+
+Detail
+No
+
+None
+
+None
+
+None
+
+Project Information Commentary
+
+Project amenities are typical to the market.
+
+Impact
+
+Comment
+
+Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)
+
+Uniform Residential Appraisal Report
+
+Page 12 of 22
+
+Project Information (continued)
+
+Project Information Exhibits
+
+Common Amenity or Service - Project Pool
+
+This is where the Project Pool photo would display.
+
+Subject Listing Information
+
+Current and/or relevant listings of the subject property (minimum 1 year look back)
+
+Listing Status
+Pending
+
+Listing Type
+MLS
+
+Off Market
+
+MLS
+
+Listing ID
+FQ999999
+
+FQ999956
+
+Start Date
+03/15/2019
+
+02/01/2019
+
+End Date
+04/15/2019
+
+02/16/2019
+
+DOM
+30
+
+15
+
+Total DOM 45
+
+Starting
+List Price
+$875,000
+
+$1,350,000
+
+Current or
+Final List Price
+
+$875,000
+
+$1,350,000
+
+Analysis of Subject Property Listing History The subject is currently under contract for $866,000. Days on market appears to be typical for
+the area.
diff --git a/chunks/txt/e2fb859b6aac680ce48e6c427ae6286add48bf57fb0d0460a0c156a28958d8b3.txt b/chunks/txt/e2fb859b6aac680ce48e6c427ae6286add48bf57fb0d0460a0c156a28958d8b3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4780f2ce41fc8557e2774e56178018e16172a76f
--- /dev/null
+++ b/chunks/txt/e2fb859b6aac680ce48e6c427ae6286add48bf57fb0d0460a0c156a28958d8b3.txt
@@ -0,0 +1,30 @@
+---
+title: "Uniform Appraisal Dataset | Fannie Mae"
+source_url: "https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset"
+date_accessed: "2026-01-27T17:45:42.728Z"
+selector: ".container.color-trigger--white.fm-layout--placemat.swoosh-right.rag-highlight-border"
+parent_folder: "APPRAISAL_DATASET"
+capture_name: "Uniform_Appraisal_Dataset___Fannie_Mae"
+---
+
+Delivering
+
+# Uniform Appraisal Dataset
+
+Improving the quality and consistency of appraisal data
+
+Fannie Mae and Freddie Mac (the GSEs) have worked on the UAD redesign since 2018, leveraging extensive stakeholder input to update the appraisal dataset, align it with current mortgage industry data standards (MISMO® v3.6), and replace the GSE appraisal forms with a single data-driven, flexible, and dynamic appraisal report for any residential property type. To begin the multiyear rollout phase, the GSEs have published the technical specifications and resources below.
+
+**Coming soon: accessory dwelling unit (ADU) and manufactured housing (MH) financing opportunities for UAD 3.6 users**
+
+Meet the growing demand for flexible housing options with expanded MH and ADU policy updates. These updates will be available in Desktop Underwriter® on Mar. 31, 2026 – prepare now for your transition to the new UAD.
+
+[Check out the update](/media/document/pdf/announcement-sel-2025-10-selling-guide-updates)
+
+![image](Uniform_Appraisal_Dataset___Fannie_Mae_3_20people_20talking.svg)
+
+[Announcements](#uad-announcements)
+
+![image](Uniform_Appraisal_Dataset___Fannie_Mae_plug.svg)
+
+[Get Started with UAD 3.6](#uad-36-resources)
diff --git a/chunks/txt/e2fff29d4589a228b0c7c432b20eb91ce19f8e7845d55401d10a382d2d82dc01.txt b/chunks/txt/e2fff29d4589a228b0c7c432b20eb91ce19f8e7845d55401d10a382d2d82dc01.txt
new file mode 100644
index 0000000000000000000000000000000000000000..557499b119786bb87407a17eddf447dfa8413025
--- /dev/null
+++ b/chunks/txt/e2fff29d4589a228b0c7c432b20eb91ce19f8e7845d55401d10a382d2d82dc01.txt
@@ -0,0 +1,153 @@
+Primary Financing Type
+is only applicable to
+comparables
+
+Yes
+22.01.27
+
+Primary Financing Type
+•
+•
+•
+•
+•
+•
+
+Conventional (includes Jumbo and portfolio lending)
+FHA
+Private
+USDA
+VA
+Other (Describe)
+
+22.01.05
+22.01.28
+
+Sales
+Concessions
+
+Always
+
+Required if Listing
+Status is Settled Sale
+
+Yes | No
+
+22.01.05
+22.01.28
+
+Sales
+Concessions
+
+Always
+
+Required if Known
+Sales Concessions is
+Yes
+
+Yes | No
+
+Sales Contract
+•
+
+Known Sales
+Concessions
+20.008
+
+Sales Contract
+•
+
+Sales Concession
+Amount Known
+20.009
+
+Yes
+22.01.29
+
+Yes
+22.01.29
+
+Known Sales Concessions: Indicates whether there are sales concessions.
+•
+•
+
+Yes (indicate whether the amount is known)
+No (the appraiser is not aware of any sales concessions, and “No”
+displays)
+
+Sales Concession Amount Known: Indicates whether the appraiser is
+aware of the specific sales concession amount.
+•
+•
+
+Yes (provide the amount)
+No (“Unknown” displays)
+
+Appendix F-1: URAR Reference Guide
+
+Page 222 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+22 Sales Comparison Approach
+
+Sales Comparison Approach: General Information
+
+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
+
+22.01.05
+22.01.28
+
+Sales
+Concessions
+
+Always
+
+Required if Sales
+Concessions Amount
+Known is Yes
+
+Dollar amount
+
+Sales Contract
+•
+
+Total Sales
+Concessions
+20.009
+
+Yes
+22.01.29
+
+Total Sales Concessions: The sales concession amount known to the
+appraiser.
+
+22.01.30
+
+Contract Date Always
+
+Required if Listing
+Status is Pending or
+Settled Sale
diff --git a/chunks/txt/e300f96790fe171e2490b152b26adadfb301b4c0091c833b432f5b420d0812bb.txt b/chunks/txt/e300f96790fe171e2490b152b26adadfb301b4c0091c833b432f5b420d0812bb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..499b7b22f5ead1c9d4a4e798a2540b1978789841
--- /dev/null
+++ b/chunks/txt/e300f96790fe171e2490b152b26adadfb301b4c0091c833b432f5b420d0812bb.txt
@@ -0,0 +1,33 @@
+FHFA seeks energetic, highly motivated students to apply to our student and recent graduate positions. Selected students will join a team that helps stabilize the nation's housing market and makes significant contributions to FHFA's mission. Students will receive on-the-job training, exposure to a fast-paced environment, and gain valuable experience.
+
+[Read More](/about/careers/student-and-recent-graduates)
+
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
+
+## Footer
+
+- [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
diff --git a/chunks/txt/e329f5b947b22c04c2a0f8b81bbde01338fbb01a723e4a23a9d7d0374be86e46.txt b/chunks/txt/e329f5b947b22c04c2a0f8b81bbde01338fbb01a723e4a23a9d7d0374be86e46.txt
new file mode 100644
index 0000000000000000000000000000000000000000..01748a3a36d4fe4dbb21988ab30948730e5e78e6
--- /dev/null
+++ b/chunks/txt/e329f5b947b22c04c2a0f8b81bbde01338fbb01a723e4a23a9d7d0374be86e46.txt
@@ -0,0 +1,46 @@
+UCD Collection Solution Enhancements
+Quick Guide for UCD Enhancements
+
+This Uniform Closing Dataset (UCD) Collection Solution Enhancements guide provides access to this year’s previous, current, and upcoming UCD updates in an easy-to-read,
+all-in-one document. See the 2023 Release Notes Summary to review an archive of the enhancements to UCD in 2023.
+
+Looking for Feedback Message updates? Review the ‘Revision History’ tab in the UCD Feedback Messages for a summary of this year’s message updates.
+
+Oct. 24, 2024
+
+Just Released
+
+Effective
+Date
+
+October 28
+
+Impacted Area
+
+UCD Findings Report
+screen
+
+Description
+
+The Batch ID and the File Name will be added to the top of the UCD Findings Report page in the UCD Collection Solution.
+This information will be included on every submission to assist in troubleshooting invalid submissions where there is no
+Casefile ID generated. The Batch ID and the File Name is already currently included in the UCD Findings Report XML version,
+and no changes will be made to the XML version.
+
+October 28
+
+Data Quality Edits
+
+To further refine UCD data quality, 8 new warning edits will be added to validate the reasonableness of the following date
+fields: Closing Date, Current Rate Set Date, Disbursement Date and Integrated Disclosure Issued Date.
+
+The edits will be issued if the dates provided are greater than 24 months in the past or greater than 24 months in the future.
+
+October 28
+
+Removal of Edit
+
+We will be removing warning edit 2018.
+
+Edit 2018: The Ability to Repay (ATR) Method Type has been set to "Exempt" for this loan. Please verify the exemption is due
+to loan program or property usage.
diff --git a/chunks/txt/e32e6d6e50a1d5a3b1c4d8acb1557d2d405bd150f2afe3493a988408a231da02.txt b/chunks/txt/e32e6d6e50a1d5a3b1c4d8acb1557d2d405bd150f2afe3493a988408a231da02.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a1df49d8789f899f16a2407bb5d3d8e0217f4212
--- /dev/null
+++ b/chunks/txt/e32e6d6e50a1d5a3b1c4d8acb1557d2d405bd150f2afe3493a988408a231da02.txt
@@ -0,0 +1,130 @@
+Uniform Residential Appraisal Report
+
+Page 4 of 20
+
+Sketch
+
+Measurement Standard
+
+ANSI
+
+Floor Plan
+
+Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 5 of 20
+
+Dwelling Exterior
+
+Subject Property Units in
+Structure
+Dwelling Style
+Front Door Elevation
+Year Built
+Construction Method
+
+Converted Area
+
+1
+Ranch
+2-3 Ft.
+2020
+Manufactured
+Site Built
+None
+
+Quality and Condition
+
+Exterior Quality Rating
+
+Q3
+
+Exterior Condition Rating
+
+C2
+
+The table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report
+
+Exterior Features
+
+Feature
+Exterior Walls and Trim
+
+Foundation
+
+Roof
+
+Detail
+Aluminum | Synthetic Stone
+
+Poured Concrete | Crawl
+Space
+
+Asphalt
+Estimated Age: 1-10 years
+
+Quality Comment
+
+The subject has a crawl space
+set on a poured concrete
+perimeter footer.
+
+Condition Status
+New or Like New
+
+New or Like New
+
+30+ year asphalt shingle roof. New or Like New
+
+Condition Comment
+
+The roof was installed
+at manufacturing and
+installation/set-up 2 years
+ago and is in like new
+condition.
+
+Windows
+
+Low E thermal
+
+Upgraded meeting Energy
+Star® requirements.
+
+New or Like New
+
+Check #A
+
+Mechanical System Details
+
+Heating
+
+Cooling
+
+System
+Heat Pump
+
+Centralized
+
+Detail
+Electric
+
+Core Heating System Below Grade
+
+Other Mechanical Systems
+
+Water Heater
+
+Yes No
+ 
+
+Apparent Defects, Damages, Deficiencies (Dwelling Exterior)
+
+None
+
+Dwelling Exterior Commentary
+
+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.
diff --git a/chunks/txt/e32f05185a6a97191ce65e570939ef2eb84f34514cf7fe46360d205e49cafd56.txt b/chunks/txt/e32f05185a6a97191ce65e570939ef2eb84f34514cf7fe46360d205e49cafd56.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4b528efe0739b3bb89991d8a06b7b2dc66c5f3e7
--- /dev/null
+++ b/chunks/txt/e32f05185a6a97191ce65e570939ef2eb84f34514cf7fe46360d205e49cafd56.txt
@@ -0,0 +1,91 @@
+Examples:
+•
+•
+• Monthly maintenance fees
+
+Association fees
+Board fees
+
+Do not include:
+•
+•
+•
+
+Discretionary fees
+Special assessments
+Fees for private utilities
+
+18.012 Common
+
+Amenities /
+Services
+Included
+
+Required if the
+property is in a
+condominium,
+cooperative, condop,
+or PUD
+
+Choose one or
+more allowable
+answers from
+table (Common
+Amenities /
+Services)
+
+18.012 Common
+
+Amenities /
+Services
+Included
+
+Required if Common
+Amenities / Services
+Included is Boat Slip or
+Unit Storage
+
+18.013 Utilities Included Required if the
+property is in a
+condominium,
+cooperative, condop,
+or PUD
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+Common Amenities / Services: Services, features, or facilities available to
+residents and / or guests of a project, whether leased or owned by the project.
+Notes:
+•
+•
+
+Include the amenity if its use is specific to project residents and guests.
+If there is more than one of the same amenity, such as multiple pools,
+select the Common Amenity or Service once, and provide details in Project
+Information Commentary.
+Do not include individual unit amenities, as they are captured in the
+Subject Property Amenities section (14.001-14.004).
+Photos or images may be provided for each identified amenity, which
+display in Project Information Exhibits with the caption “Common
+Amenity or Service”. An additional caption must be provided including the
+amenity type, location, and any other descriptive information as
+appropriate.
+
+•
+
+•
+
+Identify and include details about any leased amenities, including the impact on
+value and marketability, in Project Information Commentary.
diff --git a/chunks/txt/e3338deb02572aadc1633da95936626a7354dc2aa1e50f21b95cf542924f9733.txt b/chunks/txt/e3338deb02572aadc1633da95936626a7354dc2aa1e50f21b95cf542924f9733.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d286359ec31bcc8688003a098d48769c7fddfa37
--- /dev/null
+++ b/chunks/txt/e3338deb02572aadc1633da95936626a7354dc2aa1e50f21b95cf542924f9733.txt
@@ -0,0 +1,93 @@
+23.01.06 Lease Start
+
+If available when
+Month to Month is No
+
+mm/yyyy
+
+Lease Start Date
+
+Appendix F-1: URAR Reference Guide
+
+Page 281 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+23 Rental Information
+
+Rent Schedule: Subject Property Rental Information
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+23.01.07 Rent Control
+
+Always required for
+each unit
+
+Yes | No
+
+Unit Subject to Rent Control: Indicates whether the unit is subject to rent
+control.
+
+For the subject property, this information displays in the following subsections
+of Rental Information:
+•
+•
+
+Rent Schedule – Subject Property Rental Information 23.01.07
+Comparable Rental Analysis 23.03.16 if the row is included in the rental
+comparison grid.
+
+23.01.08 Rent
+
+Concessions
+
+Required if Unit
+Currently Rented is Yes
+
+Yes | No
+
+Indicates whether monetary concessions are included in the terms of the lease
+for the unit.
+
+For the subject property, this information displays in the following subsections
+of Rental Information:
+•
+•
+
+Rent Schedule – Subject Property Rental Information 23.01.08
+Comparable Rental Analysis 23.03.17 if the row is included in the rental
+comparison grid.
+
+23.01.09 Utilities /
+Services
+Included
+
+Required if Unit
+Currently Rented is Yes
+
+Yes | No
+
+Utilities / Services Included: Indicates whether any utilities and services (e.g.,
+electric, heat, water, or internet) are included in the rent for the unit.
+
+For the subject property, this information displays in the following subsections
+of Rental Information:
+•
+•
+
+Rent Schedule – Subject Property Rental Information 23.01.09
+Comparable Rental Analysis 23.03.15 if the row is included in the rental
+comparison grid.
diff --git a/chunks/txt/e333f205b78b09642e8d7b15e4ec906ef0bf87ca6295f7ab2599704aacf06d7d.txt b/chunks/txt/e333f205b78b09642e8d7b15e4ec906ef0bf87ca6295f7ab2599704aacf06d7d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..943bf0ecfa21ed7bfd50a987a60e8d1b7e751cd3
--- /dev/null
+++ b/chunks/txt/e333f205b78b09642e8d7b15e4ec906ef0bf87ca6295f7ab2599704aacf06d7d.txt
@@ -0,0 +1,21 @@
+(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:1)
+
+(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22)
+(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23)
+
+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)
+
+8.000
+
+8.001
+
+8.002
diff --git a/chunks/txt/e336cf5ac5e1e66e6fb3889201c35d592584312262d47234492bca2450b3d5ea.txt b/chunks/txt/e336cf5ac5e1e66e6fb3889201c35d592584312262d47234492bca2450b3d5ea.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6669a593405b293cf82aba02b8804990f085af4e
--- /dev/null
+++ b/chunks/txt/e336cf5ac5e1e66e6fb3889201c35d592584312262d47234492bca2450b3d5ea.txt
@@ -0,0 +1,79 @@
+CityName
+PostalCode
+StateCode
+CountyName
+
+Always displays
+
+Always displays
+
+Page 11
+
+Restricted Appraisal Update Report: Subject Property - General Information
+
+Report
+Field ID
+
+Report Label
+
+Unique ID
+
+MISMO Data Point
+Name
+
+Display Rules
+
+01.001.1 No Label
+
+1400.0828
+
+ImageCategoryType
+
+01.003
+
+Property Rights
+Appraised
+
+2900.0052
+
+PropertyEstateType
+
+01.004
+
+Legal Description
+
+2900.0059
+
+ParcelsLegalDescription
+
+Note: When the property is located in more than one county, provide
+the county that corresponds to the Physical Address, and provide
+further details in Appraisal Update Commentary.
+Always displays.
+Delivered with ImageCategoryType = “PropertyPhoto”
+Display when PropertyInProjectIndicator (UID: 2900.0056, FID: Not on
+report) = “false” OR ProjectLegalStructureType (UID: 2900.0055, FID:
+Not on report) = “Condominium”
+Always displays.
+The legal description is required either in text format or an image.
+− When an image is provided ImageCategoryType (UID: 1400.0522,
+
+FID: 01.004.1) = “LegalDescription”
+
+Figure 1 - 1
+
+Legal Description
+
+The Legal Description subsection always displays. The legal description is required either in text format or as an image.
+
+• When Legal Description - ParcelsLegalDescription (UID: 2900.0059, FID: 01.004) is provided, the text displays. (Figure 1 - 2)
+
+Figure 1 - 2
+
+Page 12
+
+• When an image is provided for Legal Description, it must be delivered using ImageCategoryType (UID: 1400.0522 FID: 01.004.1) =
+
+“LegalDescription” and the image displays within the subsection below the gray bar. (Figure 1 - 3)
+
+• An image caption may be included using ImageCaptionCommentDescription (UID: 1400.0524, FID: 01.004.2) and displays above the image in
diff --git a/chunks/txt/e33e4a3cf5f66cae1dc0a985dcedc43aa8544a8b854b53566760d43686ce89ea.txt b/chunks/txt/e33e4a3cf5f66cae1dc0a985dcedc43aa8544a8b854b53566760d43686ce89ea.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4101096c5019d88cec8577c067926a446e95b1fc
--- /dev/null
+++ b/chunks/txt/e33e4a3cf5f66cae1dc0a985dcedc43aa8544a8b854b53566760d43686ce89ea.txt
@@ -0,0 +1,107 @@
+/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/@
+_CompetitiveProjectComparisonDescription
+
+4000
+
+String
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+PROJECT
+ANALYSIS
+
+PROJECT
+ANALYSIS
+
+PROJECT
+ANALYSIS
+
+Are there any special or unusual
+characteristics of the project (based on
+the condominium documents, HOA
+meetings, or other information) known
+to the appraiser?
+Yes
+
+Are there any special or unusual
+characteristics of the project (based on
+the condominium documents, HOA
+meetings, or other information) known
+to the appraiser?
+No
+
+Are there any special or unusual
+characteristics of the project (based on
+the condominium documents, HOA
+meetings, or other information) known
+to the appraiser?
+If Yes, describe and explain the effect
+on value and marketability.
+
+UNIT
+IMPROVEMENTS
+UNIT
+IMPROVEMENTS
+
+Unit Charge $ per month
+
+per month X 12 = $ per year
+
+UNIT
+IMPROVEMENTS
+
+Annual assessment charge per year per
+square feet of gross living area = $
+
+UNIT
+IMPROVEMENTS
+
+Utilities included in the unit monthly
+assessment
+None
+
+UNIT
+IMPROVEMENTS
+
+Utilities included in the unit monthly
+assessment
+Heat
+
+UNIT
+IMPROVEMENTS
+
+Utilities included in the unit monthly
+assessment
+Air Conditioning
+
+UNIT
+IMPROVEMENTS
+
+Utilities included in the unit monthly
+assessment
+Electricity
+
+UNIT
+IMPROVEMENTS
+
+Utilities included in the unit monthly
+assessment
+Gas
+
+UNIT
+IMPROVEMENTS
+
+Utilities included in the unit monthly
+assessment
+Water
+
+Project Analysis
+Special
+Characteristics
+Indicator
+
+Project Analysis
+Special
+Characteristics
+Indicator
diff --git a/chunks/txt/e3400102880db34700634df7abd005d71221359736f95f1f8a30c1b52813b190.txt b/chunks/txt/e3400102880db34700634df7abd005d71221359736f95f1f8a30c1b52813b190.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6bc7574631238b01a22e7a20207c8aab3c9f85f6
--- /dev/null
+++ b/chunks/txt/e3400102880db34700634df7abd005d71221359736f95f1f8a30c1b52813b190.txt
@@ -0,0 +1,29 @@
+19. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and
+information in this appraisal report are true and correct.
+
+20. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any
+agreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a
+predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or
+occurrence of a specific subsequent event (such as approval of a pending mortgage loan application).
+
+21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided
+significant real property appraisal assistance.
+
+22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is
+unauthorized and I will take no responsibility for it.
+
+Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K
+
+Uniform Residential Appraisal Report
+
+Page 19 of 19
+Page 19 of 19
+
+Certifications (continued)
+
+23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will
+receive this appraisal report.
+
+24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject
+to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that
+pertain to disclosure or distribution by me.
diff --git a/chunks/txt/e3502b2d5df5e123f5a2f2a9b400d7009c5df493ee8e92ac84bf5a01dfa49034.txt b/chunks/txt/e3502b2d5df5e123f5a2f2a9b400d7009c5df493ee8e92ac84bf5a01dfa49034.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5c2f88ce21c382ee15ef3fddf8f17504b0ae7dd4
--- /dev/null
+++ b/chunks/txt/e3502b2d5df5e123f5a2f2a9b400d7009c5df493ee8e92ac84bf5a01dfa49034.txt
@@ -0,0 +1,5 @@
+Completion Report Section Organization................................................................................................................................................................................... 8
+
+Header and Footer ........................................................................................................................................................................................................... 9
+
+Overview ..................................................................................................................................................................................................................................... 9
diff --git a/chunks/txt/e350e87483cdc8cf4f85a1f8c20a33fb03568a95a3e46e03ad04a9f98ee3e749.txt b/chunks/txt/e350e87483cdc8cf4f85a1f8c20a33fb03568a95a3e46e03ad04a9f98ee3e749.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cd23e5caa6370243359bc149c969b59f44b1d946
--- /dev/null
+++ b/chunks/txt/e350e87483cdc8cf4f85a1f8c20a33fb03568a95a3e46e03ad04a9f98ee3e749.txt
@@ -0,0 +1,24 @@
+Servicing Management Default Underwriter (SMDUTM)
+
+7.69 Integration Impact Memo – Final
+
+Fannie Mae is scheduled to implement SMDU Release 7.69 on April 21, 2023. SMDU will be unavailable during that time. Once
+SMDU Release 7.69 is implemented, it will include the updates and functionality described below.
+
+April 17, 2023
+
+Auto Decisioning (AD)
+
+• Maintenance Only
+
+• As part of the upcoming SMDU Release 7.70, Rule Version (DD 282) will begin to be utilized in Pre-Qualification,
+
+Structuring-Trial, and First Time Final requests to accommodate Lender Letter (LL-2023-04) Payment Deferral updates.
+
+Case Management (CM)
+
+• Maintenance Only
+
+Fannie Mae Confidential
+
+© 2023 Fannie Mae 4.17.23 Page 1 of 1
diff --git a/chunks/txt/e3534c2b15f010b4265e622b2e7ed50961cc0ac66230049e275cca77f011a4fa.txt b/chunks/txt/e3534c2b15f010b4265e622b2e7ed50961cc0ac66230049e275cca77f011a4fa.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5cdb8c17f384b1fdda102713a93b9a17c0a0f3fa
--- /dev/null
+++ b/chunks/txt/e3534c2b15f010b4265e622b2e7ed50961cc0ac66230049e275cca77f011a4fa.txt
@@ -0,0 +1,46 @@
+▪ Designates the
+last number in
+the year range
+▪ Represented as
+“30”on form
+
+▪ Designates the
+first number in
+the year range
+▪ Represented as
+“8-“ on form
+
+Represented as
+“Years” on form
+
+The Projected Payments table must disclose at least one, but no more than four separate payment ranges.
+Figure 53 illustrates the table with the maximum number of columns (4).
+
+A “payment range” is the minimum and maximum possible payment amount for a given period and applies only
+to the Principal & Interest payment (row 5.2) and the Estimated Total Periodic Payment (row 5.5). Dollar
+amounts in payment ranges are rounded to the nearest whole dollar.
+
+Payment ranges are disclosed when:
+
+a. The P&I payment can change when the interest rate adjusts based on the value of an external index. In this
+case, the minimum payment is the initial payment and the maximum payment is the payment that would be
+in force if the interest rate increased by the maximum amount at each adjustment.
+
+b. Multiple b. Payment Change Events occur in a single projected payment period. If there is more than one
+
+change to a periodic payment within one year, these payment change events are grouped together into one
+range of payments (min and max) that would apply during the year in which the events occur. A new year
+(and column) starts on the next anniversary of the first scheduled payment due date.
+
+a. PAYMENT RANGE TABLE POSITION
+
+The payment structure for the loan dictates the column in which a given payment or payment range should
+appear.
+
+Appendix E: UCD Implementation Guide
+
+Page 82 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
diff --git a/chunks/txt/e36423d51e64ed5bbd359a0043bf3156211d11925e6322d6f187f40501826dc8.txt b/chunks/txt/e36423d51e64ed5bbd359a0043bf3156211d11925e6322d6f187f40501826dc8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..31653b96afc9ad809bfb56e1c49aa45e196e112d
--- /dev/null
+++ b/chunks/txt/e36423d51e64ed5bbd359a0043bf3156211d11925e6322d6f187f40501826dc8.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/news/partner-agency-engagements"
+date_accessed: "2026-01-27T17:48:01.966Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/e37209227760828e9c762e675ecba6f275db540e891e40cc69036048d722cab7.txt b/chunks/txt/e37209227760828e9c762e675ecba6f275db540e891e40cc69036048d722cab7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..195eea770dd829e82e4e68840320598d4085ff68
--- /dev/null
+++ b/chunks/txt/e37209227760828e9c762e675ecba6f275db540e891e40cc69036048d722cab7.txt
@@ -0,0 +1,16 @@
+##### Release Test Cases
+
+- [DU V.12.0 September 2025 Release Test Cases](/media/document/zip/du-v120-september-2025-release-test-cases)
+- [DU V.12.0 May 2025 Release DU Message Test Cases related to Income Calculator](/media/document/zip/du-v120-may-2025-release-du-message-test-cases-related-income-calculator)
+- [DU V.12.0 May 2025 Release Test Cases](/media/document/zip/du-v120-may-2025-release-test-cases)
+- [DO Cloud Migration Test Cases](/media/document/zip/do-cloud-migration-test-cases)
+- [DU V.12.0 January 2025 Release Test Cases](/media/document/zip/du-v120-january-2025-release-test-cases)
+- [DU V.11.1 July 2024 Release Test Cases](/media/document/zip/du-v111-july-2024-release-test-cases)
+- [Data Validation Update Release Test Cases](/media/document/zip/data-validation-update-release-test-cases-archived)
+- [DU V.11.1 April 2024 Release Test Case](/media/document/zip/du-v111-april-2024-release-test-case)
+- [DU V.11.1 February 2024 Release Test Cases](/media/document/zip/du-v111-february-2024-release-test-cases)
+- [2024 Loan Limits Test Cases](/media/document/zip/2024-loan-limits-test-cases)
+- [DU V.11.1 November 2023 Release Test Cases](/media/document/zip/du-v111-november-2023-release-test-cases)
+- [DU V.11.1 August 2023 Release Test Cases](/media/document/zip/du-v111-august-2023-release-test-cases)
+- [DU V.11.1 April 2023 Release Test Cases](/media/document/zip/du-111-april-2023-release-changes)
+- [DU V.11.1 January 2023 Release Test Cases](/media/document/zip/du-111-january-2023-release-changes)
diff --git a/chunks/txt/e37f5bbfed9565e1d0097c7c98c8e80d0020d252ebf0d27ad8647b42cca30d84.txt b/chunks/txt/e37f5bbfed9565e1d0097c7c98c8e80d0020d252ebf0d27ad8647b42cca30d84.txt
new file mode 100644
index 0000000000000000000000000000000000000000..156e98c30945f67e426481e09b1536b73bb2beb9
--- /dev/null
+++ b/chunks/txt/e37f5bbfed9565e1d0097c7c98c8e80d0020d252ebf0d27ad8647b42cca30d84.txt
@@ -0,0 +1,87 @@
+Appendix E: UCD Implementation Guide
+
+Page 156 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+10.A Alternative Calculating Cash To Close Table
+
+Calculating Cash to Close
+
+10.A (Alternative) Use this table to see what has changed from your Loan Estimate.
+
+10.10 Loan Amount
+
+Loan Estimate
+
+Final
+
+Did this change?
+
+10.10.1
+
+$150,000 10.10.2 $150,000.00 10.10.3 NO
+
+10.10.4
+
+10.1 Total Closing Costs (J)
+
+10.1.1
+
+-$5,099 10.1.2
+
+-$5,757.57 10.1.3 YES
+
+10.1.4 ● See Total Loan Costs (D) and Total Other
+
+Costs (I)
+
+10.2 Closing Costs Paid Before Closing 10.2.1
+
+$0
+
+10.2.2
+
+$435.00
+
+10.2.3 YES
+
+10.2.4 ● You paid these Closing Costs before
+
+closing
+
+10.11 Total Payoffs and Payments (K) 10.11.1
+
+-120,000 10.11.2 -$115,000.00 10.11.3 YES
+
+10.11.4 ● See Payoffs and Payments (K)
+
+10.9 Cash to Close
+
+10.9.1
+$24,901
+10.9.3From To
+Borrower
+
+10.9.2
+$29,677.43
+10.9.4From To
+Borrower
+
+10.3
+Closing Costs Financed (Paid from your Loan Amount)
+
+10.3.2
+$5,322.57
+
+Figure 89. Alternative Calculating Cash to Close Table
+
+With the exception of the Cash to Close Totals (10.9) and Closing Costs Financed (which are described below,
+Alternative Cash to Close table line items are disclosed according to the following pattern (also illustrated in the
+figure above.)
+
+1. Disclose the cash to close line items in the order illustrated
+
+2. Provide the applicable amount from the corresponding line item in the Loan Estimate’s Calculating Cash
diff --git a/chunks/txt/e382aae371b315ecb981671c22cb44749037a8d54aa8d0e27b7f4c2ee40ebb7a.txt b/chunks/txt/e382aae371b315ecb981671c22cb44749037a8d54aa8d0e27b7f4c2ee40ebb7a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c0c6f6e90ebe4a6d7aa873c1f6c5e40e56c71935
--- /dev/null
+++ b/chunks/txt/e382aae371b315ecb981671c22cb44749037a8d54aa8d0e27b7f4c2ee40ebb7a.txt
@@ -0,0 +1,124 @@
+Always
+
+Never
+
+Never
+
+Never
+
+Never
+
+Disaster Mitigation
+
+When there are Disaster Mitigation Features
+
+Never
+
+Energy Efficient and Green
+Features
+
+When there are known renewable energy
+components, building certifications, or efficiency
+ratings
+
+Sketch
+
+Dwelling Exterior
+
+Always
+
+Always
+
+Never
+
+Never
+
+For properties with multiple dwellings,
+the section repeats for each dwelling.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Section # Section Header
+
+When Section Displays on Report
+
+When Section Displays Multiple Times
+
+Page 26
+
+9
+
+Manufactured Home
+
+When there is a manufactured home on the
+property
+
+• If the manufactured home is a dwelling, the section
+
+displays after the applicable Dwelling Exterior
+section.
+
+•
+
+If the manufactured home is an ADU, the section
+displays after the applicable Outbuilding section for
+the ADU.
+
+For properties with multiple
+manufactured homes (dwellings or
+outbuildings), the section repeats for
+each manufactured home.
+
+10
+
+Unit Interior
+
+• If the unit is in a dwelling, the section displays after
+
+the applicable Dwelling Exterior section.
+
+• If the unit is in an outbuilding, the section displays
+
+after the applicable Outbuilding section.
+
+For properties with multiple units, or
+properties with ADU(s), the section
+repeats for each unit or ADU.
+
+11
+
+Functional Obsolescence
+
+Always
+
+Never
+
+12
+
+Outbuilding
+
+When there is an outbuilding on the property
+
+For properties with multiple
+outbuildings, the section repeats for
+each outbuilding.
+
+13
+
+14
+
+15
+
+16
+
+17
+
+18
+
+Vehicle Storage
+
+Subject Property Amenities
+
+Overall Quality & Condition
+
+Highest and Best Use
diff --git a/chunks/txt/e384a1318e86a8dab8d6a4e7d256e0856605af50632df0aae7ff36a993d9a7bd.txt b/chunks/txt/e384a1318e86a8dab8d6a4e7d256e0856605af50632df0aae7ff36a993d9a7bd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dd4689358be8908ea61a0a1e756cf46eeaec58d5
--- /dev/null
+++ b/chunks/txt/e384a1318e86a8dab8d6a4e7d256e0856605af50632df0aae7ff36a993d9a7bd.txt
@@ -0,0 +1,13 @@
+Section 3: Financial Information – Real Estate................................................................................... 25
+
+Section 4: Loan and Property Information .......................................................................................... 26
+
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+1
+
+Section 5: Declarations ....................................................................................................................... 26
+
+Section 6: Acknowledgements and Agreements ................................................................................. 26
diff --git a/chunks/txt/e3950403a40bb90252a9ac9c95e6f50bc82221fe6f74fc3417f0998fce928ab6.txt b/chunks/txt/e3950403a40bb90252a9ac9c95e6f50bc82221fe6f74fc3417f0998fce928ab6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..afde0078e4ba611125515f655d12ececf6eef4c8
--- /dev/null
+++ b/chunks/txt/e3950403a40bb90252a9ac9c95e6f50bc82221fe6f74fc3417f0998fce928ab6.txt
@@ -0,0 +1,120 @@
+Property Address
+
+Summary
+
+List Price
+
+Contract Price
+
+Sale Price
+
+Net Adjustment Total
+
+Price Per Finished Area
+Above Grade
+
+Adjusted Price
+
+Comparable Weight
+
+Subject Property
+
+Comparable #1
+
+Comparable #2
+
+700 1st Ave, NW
+Unit 1206
+Washington, DC 20001
+
+700 1st Ave, NW
+Unit 1211
+Washington, DC 20001
+
+700 1st Ave, NW
+Unit 1103
+Washington, DC 20001
+
+Comparable #3
+1350 Riverside Ave, NW
+Unit 1627
+Washington, DC 20001
+
+$585,000
+
+$585,000
+
+$600,000
+
+—
+
+$600,000
+
+$(5,000)
+
+$496
+
+$595,000
+
+Most
+
+$615,000
+
+—
+
+$621,000
+
+$(35,200)
+
+$457
+
+$585,800
+
+Less
+
+$570,000
+
+—
+
+$570,000
+
+$22,800
+
+$533
+
+$592,800
+
+Less
+
+Indicated Value by Sales Comparison Approach
+
+Indicated Value
+
+$595,000
+
+Reconciliation of Sales Comparison Approach
+
+The Comparable Sales selected for use in this report were selected for their similar characteristics and location. While comparing each
+property to the subject I found the following: Comp #1 is the most similar to the subject; it is located in the same building and on the same
+floor level as the subject. Further, it is the most similar in size, condition, and quality. Comp #2 is larger in size but still located in the same
+building; its condition and quality are similar to the subject. Comp #3 is from a competing project located close to the subject; it is slightly
+smaller in size, in similar condition, and the project amenities are effectively equal to those of the subject project. Comp #3 is not a historically
+designated property.
+
+Additional Properties Analyzed Not Used
+
+#
+1
+
+2
+
+3
+
+4
+
+5
+
+Property Address
+2700 Bar Harbor Ave, NW
+Unit 1009
+Washington, DC 20001
diff --git a/chunks/txt/e39f390c09ce8ff51852c88c5f6ced43ce23b9bb7f2eb28438b34380a10275a5.txt b/chunks/txt/e39f390c09ce8ff51852c88c5f6ced43ce23b9bb7f2eb28438b34380a10275a5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..443eaf68ae93794a6e062a318b2441ac43696a1f
--- /dev/null
+++ b/chunks/txt/e39f390c09ce8ff51852c88c5f6ced43ce23b9bb7f2eb28438b34380a10275a5.txt
@@ -0,0 +1,144 @@
+25.1 TO
+
+01 Rho Se rvicing to pay off existing loan
+
+02 Beta Card, Inc. to pay down credit card balance
+
+03 Principal re duction for e xceeding legal limits to Michael Jones P.O.C. Ficus Bank ($5,000)
+
+25.2 K. TOTAL PAYOFFS AND PAYMENTS
+
+25.1.1 AMOUNT
+
+$124,000.00
+
+$5,000.00
+
+25.2.1 $129,000.00
+
+Figure 142. Principal Reduction as Tolerance Cure-New
+
+Table 158. Principal Reduction as Tolerance Cure-New
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0 Value
+
+Notes
+
+First instance of CLOSING_ADJUSTMENT_ITEM
+
+25.1.1 …P.O.C. Lender
+
+$5,000.00
+
+.../CLOSING_ADJUST
+MENT_ITEM_DETAIL
+
+ClosingAdjustmentIt
+emAmount
+
+ROF as “$5,000.00”
+
+25.1
+
+Principal
+Reduction for…
+
+ClosingAdjustmentIt
+emType
+
+Other
+
+ROF as “for principal
+reduction”
+
+ClosingAdjustmentIt
+emTypeOtherDescri
+ption
+
+PrincipalReduction
+
+@gse:DisplayLabelT
+ext
+
+for exceeding legal
+limits
+
+ROF as “for exceeding
+legal limits”
+
+ClosingAdjustmentIt
+emPaidOutsideOfCl
+osingIndicator
+
+true
+
+IntegratedDisclosur
+eSectionType
+
+PayoffsAndPayments
+
+ROF as “P.O.C.”
+
+FullName
+
+Ficus Bank
+
+ROF “Ficus Bank”
+
+Principal
+Reduction for
+exceeding legal
+limits…
+
+…to Michael Jones
+P.O.C. Ficus
+Bank…
+
+25.1 N/A
+
+25.1 …P.O.C. Ficus
+Bank…
+
+…/CLOSING_ADJUST
+MENT_ITEM/CLOSIN
+G_ADJUSTMENT_ITE
+M_PAID_BY/INDIVID
+UAL/NAME
+
+Appendix E: UCD Implementation Guide
+
+Page 241 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+25.0 Payoffs and Payments - UPDATED
+
+Table 158. Principal Reduction as Tolerance Cure-New
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0 Value
+
+Notes
+
+25.1 … for exceeding
diff --git a/chunks/txt/e3a1915f48b5cd56d54deda1c6c748ac7ce63eb301250c43a0fdf69c0a5deefd.txt b/chunks/txt/e3a1915f48b5cd56d54deda1c6c748ac7ce63eb301250c43a0fdf69c0a5deefd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..755f15bc2d1263625f7138e1104ee564786d73a0
--- /dev/null
+++ b/chunks/txt/e3a1915f48b5cd56d54deda1c6c748ac7ce63eb301250c43a0fdf69c0a5deefd.txt
@@ -0,0 +1,95 @@
+Quality
+
+Condition
+
+Property Amenities
+
+Outdoor Living
+
+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
+
+Q3
+
+C2
+
+Q3
+
+C3
+
+$10,000
+
+Patio | Porch
+
+Deck | Porch
+
+$(5,000)
+
+Driveway | 4 | Pavers
+Garage | 2 | Attached
+400 Sq. Ft.
+
+Driveway | 2 | Concrete
+Garage | 2 | Attached
+400 Sq. Ft.
+
+$0
+
+—
+
+—
+
+$285,000
+
+$275,000
+
+—
+
+$270
+
+$195
+
+$285,270
+
+Most
+
+Indicated Value by Sales Comparison Approach
+
+Indicated Value
+
+$275,000
+
+Reconciliation of Sales Comparison Approach
+
+The comparables selected represent the best available market activity in the prior 6 months. Comparables 1, 3, and 4 are CHOICEHomes or
+MHAdvantage.
+
+Comparable #1 is similar to the subject in age, quality and condition. However, was given less weight due to the water view, superior lot size
+and living area. The view is a full view of a non-navigable pond with access limited to the properties that have direct waterfront.
+
+Comparable #2 was given less weight as it does not have the finishes and upgrades that the subject and other comparables have, has not been
+updated, and has less living area as compared to the subject.
+
+Comparable #3 was given most weight as it is similar to the subject in age, quality and condition and is the most comparable in living area.
+
+Comparable #4 was also given most consideration as it represents the most recent market activity, is similar in living area and most similar
+in quality, condition, features and amenities. Comp #4 receives a location adjustment as it is located within a mile of a large lake with public
+access, boat ramp, and rentable dock space and boat storage.
diff --git a/chunks/txt/e3a27c89e9b68ecddaa7a4cc03591c1db6f75aca6986968fba2c54b9f62921e9.txt b/chunks/txt/e3a27c89e9b68ecddaa7a4cc03591c1db6f75aca6986968fba2c54b9f62921e9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e8fefada6858ec03447176f0a94cd65d47435114
--- /dev/null
+++ b/chunks/txt/e3a27c89e9b68ecddaa7a4cc03591c1db6f75aca6986968fba2c54b9f62921e9.txt
@@ -0,0 +1,57 @@
+Federal Housing Finance Agency
+
+8
+
+UAD PUF Version 2.1 Data Documentation
+
+FHFA elected to release data in this manner as some users may wish to merge year-specific information
+derived from other data sources, such as the Home Mortgage Disclosure Act (HMDA) data, to the
+Appraisal-Level PUF. The HMDA data file for 2020 and 2021 includes the 2010 vintage of census tracts,
+while the data file for 2022 includes the 2020 vintage of census tracts.
+
+In Version 2.0 of the Enterprise Appraisal-Level PUF, geographic information was updated based on
+improved geocoding capabilities for appraisal records between 2013 to 2021.
+
+7. UAD Appraisal-Level PUF Format
+
+The UAD Appraisal-Level PUF format is described below. Users should consult the UAD Appraisal-
+Level PUF Dictionary for a full list of data fields.
+
+7a. File Format
+
+The UAD Appraisal-Level PUF includes one record per appraisal of a subject property associated with a
+mortgage loan acquired by the Enterprises. In other words, the rows represent an appraisal while the
+columns include information about the property, comparable properties, borrower(s), neighborhood, and
+appraisal process. The UAD Appraisal-Level PUF is available as year-specific files as well as a
+combined file.
+
+The UAD Appraisal-Level PUFs are available in CSV, R, SAS, and Stata formats.
+
+7b. Key Administrative and Geographic Data Fields
+
+Users should note the following important data fields in the UAD Appraisal-Level PUF
+
+Field
+record_id
+
+year
+
+tract_2010
+
+tract_2020
+
+weight
+
+Definition
+A unique ID for each appraisal record. FHFA created this data field that has
+no relationship to any unique id data fields in the original UAD appraisal
+records.
+The year in which the appraisal was conducted. This data field is used to
+stratify the sample.
+The 2010 census tract for the appraised property for appraisals conducted
+from 2013 through 2021.
+The 2020 census tract for the appraised property for appraisals conducted in
+year 2022.
+The sampling weight for the appraisal record, based on stratification by year
+and sample random sampling within a year. Currently, the weight is the same
+value for all records in a given year.
diff --git a/chunks/txt/e3a2ea7864c9f950774958aa9dea564ba8ff2bf7e64447edba8f176240cb7b1d.txt b/chunks/txt/e3a2ea7864c9f950774958aa9dea564ba8ff2bf7e64447edba8f176240cb7b1d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..acb32a0209f2931d142478b270c8b780ee79ca40
--- /dev/null
+++ b/chunks/txt/e3a2ea7864c9f950774958aa9dea564ba8ff2bf7e64447edba8f176240cb7b1d.txt
@@ -0,0 +1,101 @@
+Encroachments affecting the subject property are identified in this subsection using the most appropriate
+description from the list provided. The appraiser must identify encroachments by neighboring properties on the
+subject property in addition to any encroachments of the subject property on a neighboring property.
+
+There is one row in the Site Features table for each Encroachment. If there are no encroachments, this row does
+not display.
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+4.058
+4.059
+
+Encroachment
+(Detail)
+
+If applicable
+
+Site: Site Features - Encroachment
+
+Allowable
+Answers / Format
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+Definition / Additional Guidance
+
+Building
+Driveway
+Fence
+Overhang
+Other (Describe)
+
+Encroachment: An intrusion on a property when a stationary object crosses a
+neighboring property line (e.g., fence, shed, garage, tree).
+•
+•
+•
+•
+•
+Note: Photos or images may be provided for encroachments, which display in
+Site Exhibits with the caption “Encroachment”. An additional caption must be
+provided, including the encroachment type and any other descriptive
+information as appropriate.
+
+Appendix F-1: URAR Reference Guide
+
+Page 73 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+04 Site
+
+Site: Site Features - Encroachment
+
+Allowable
+Answers / Format
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+Adverse,
+Beneficial, or
+Neutral
+
+Free-form
+
+Report
+Field ID
+
+4.059
+
+Report Label
+
+When to Include
+
+Encroachment
+(Detail)
+
+Required for each
+encroachment
+
+4.060
+
+Encroachment
+(Impact)
diff --git a/chunks/txt/e3a614776d2daad4a423ccf4df873e44cc8db3e701459f40b842b3c8b7f64f9e.txt b/chunks/txt/e3a614776d2daad4a423ccf4df873e44cc8db3e701459f40b842b3c8b7f64f9e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..56d1021748b74ca0a204074e5469baa85bf1046f
--- /dev/null
+++ b/chunks/txt/e3a614776d2daad4a423ccf4df873e44cc8db3e701459f40b842b3c8b7f64f9e.txt
@@ -0,0 +1,27 @@
+UAD 3.6 Policy
+
+•
+
+the lender believes an appraisal is warranted based on additional information the lender has about the property or
+subsequent events.
+
+Note: The lender may not exercise a value acceptance + property data offer if an appraisal is obtained for the transaction.
+
+Representations and Warranties
+
+When a loan casefile is eligible for value acceptance + property data and the offer is exercised by the lender, Fannie Mae accepts
+the value estimate submitted by the lender as the value for the subject property. See Selling Guide A2-2-06, Representations and
+Warranties on Property Value for more information.
+
+Property Data Collection
+
+The property data collection consists of a visual observation of the interior and exterior areas of the subject property. It must be
+performed by a trained and vetted property data collector and must adhere to the Uniform Property Dataset (UPD). This dataset
+consists of all required, conditionally required, and optional data elements for the property data collection of subject property
+data including photos and a floor plan conforming to the ANSI® standard. See Above and Below Grade Area(s) in SB4-1.3-05,
+Dwelling Exterior, Unit Interior, and Outbuilding Sections of the Appraisal Report for ANSI standards, and the Property Data
+Collection User Guide and Uniform Property Dataset (UPD) Specification for more information.
+
+After the property data collection is completed, it must be successfully submitted to Fannie Mae's Property Data Application
+Programming Interface (API). See Fannie Mae's website for more information about the UPD and the Fannie Mae Property Data
+API and access.
diff --git a/chunks/txt/e3a7228e4badff96780a9af7ba6fd4e8a765fdc20dfd7cbead8b5aaf29fbd32d.txt b/chunks/txt/e3a7228e4badff96780a9af7ba6fd4e8a765fdc20dfd7cbead8b5aaf29fbd32d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..07f72980aea3c93c7b89eb8e9968aa1c94fd487e
--- /dev/null
+++ b/chunks/txt/e3a7228e4badff96780a9af7ba6fd4e8a765fdc20dfd7cbead8b5aaf29fbd32d.txt
@@ -0,0 +1,108 @@
+• 1004/70
+
+• 1004 Hybrid/70H
+
+• 1004 Desktop/70D
+
+• 2055/2055
+
+• 1073/465
+
+• 1073 Hybrid/465H
+
+• 1073 Desktop/465D
+
+• 1075/466
+
+REQUIREMENT
+
+Page 52 of 68
+
+Appendix A: GSE Appraisal Forms Mapping
+
+Document Version 1.5
+
+© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.
+
+This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at
+the direction of the Federal Housing Finance Agency.
+
+• 1004/70
+
+INSTRUCTION
+
+• 1004 Hybrid/70H
+
+• 1004 Desktop/70D
+
+• 2055/2055
+
+• 1073/465
+
+• 1073 Hybrid/465H
+
+• 1073 Desktop/465D
+
+• 1075/466
+
+Garage/Carport
+The appraiser should indicate the type of
+parking and number of spaces for each type
+identified for the subject property and each
+comparable property.
+
+Reporting Format:
+The appraiser should utilize the below
+abbreviations, in the order that they are listed,
+preceded by the number of parking spaces
+without spaces or delimiters.
+
+If there is no off-street parking, the appraiser
+should enter “None”.
+
+The appraiser may include all parking types if
+all types are present. If all types are not
+present, only the appropriate abbreviations
+should be included.
+
+ga
+gd
+
+gbi
+
+cp
+
+dw
+
+Attached Garage
+Detached Garage
+
+Built-In Garage
+
+carport
+
+driveway
+
+Examples:
+
+• 2ga2dw
+
+• 1ga2gd1dw
+
+• 1cp
+
+• 1ga1gd1gbi1cp2dw
+
+• None
+
+Garage/Carport (for Condominiums)
+The appraiser should indicate the type of
+parking and number of spaces for each type
+identified for the subject property and each
+comparable property
+
+Reporting Format:
+The appraiser should utilize the below
+abbreviations preceded by the number of
+parking spaces without spaces or delimiters
+between the types.
diff --git a/chunks/txt/e3ae082c4e56eddcf8325f6c4ea4ef7dcb48dd01721880e54b9f0c591af03b16.txt b/chunks/txt/e3ae082c4e56eddcf8325f6c4ea4ef7dcb48dd01721880e54b9f0c591af03b16.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9844c3ec1e6ebc497d7c907caa7f73145bcffff4
--- /dev/null
+++ b/chunks/txt/e3ae082c4e56eddcf8325f6c4ea4ef7dcb48dd01721880e54b9f0c591af03b16.txt
@@ -0,0 +1,31 @@
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
+
+## Footer
+
+- [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
+
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/856","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();
diff --git a/chunks/txt/e3ba650d1eba1f7ca1b6cae0a03cb48549c03036e4c3456a0e49ea8dd474b945.txt b/chunks/txt/e3ba650d1eba1f7ca1b6cae0a03cb48549c03036e4c3456a0e49ea8dd474b945.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cd176640ad1015300440e33a9313de52409585db
--- /dev/null
+++ b/chunks/txt/e3ba650d1eba1f7ca1b6cae0a03cb48549c03036e4c3456a0e49ea8dd474b945.txt
@@ -0,0 +1,34 @@
+When a non-manufactured home is used as a comparable sale:
+
+•
+•
+
+•
+
+The appraisal must include a clear rationale for its inclusion.
+The appraisal must include supported and well-documented adjustments to account for differences in construction method,
+design, and market appeal.
+In markets where condo projects with manufactured homes are more common, at least two comparables should be
+manufactured homes located in a condominium project. In markets where condo projects with manufactured homes are
+atypical, the appraiser may select comparables from a mixture of manufactured homes and manufactured home condos
+provided the appraiser is able to provide adequate written explanation and make appropriate adjustments.
+
+• An appraiser that is unable to locate sales of manufactured homes that are truly comparable to the subject property may
+decide it is appropriate to use either older sales of similar manufactured homes or sales of similar manufactured homes
+that are located in a competing market to establish a baseline for the “sales comparison analysis” and determine sound
+adjustments to reflect the differences between comparable sales that are available and the subject property.
+The appraiser must not create comparable sales by combining vacant land sales with the contract purchase price of the
+home. This type of information may be used as additional supporting documentation.
+
+•
+
+MH Advantage Appraisal Comparable Selection Requirements
+
+MH Advantage properties are built to meet construction, architectural design, and energy efficiency standards that are more
+consistent with site-built homes. Accordingly, for MH Advantage properties, appraisers must use other MH Advantage properties
+(homes that have an MH Advantage Sticker or the CHOICEHome® label) for the comparable sales. However, if fewer than three
+MH Advantage sales or its equivalent (CHOICEHome®) are available, then the appraiser must supplement those comparable sales
+with the best and most appropriate sales available. Such sales must include a minimum of two site-built homes in recognition of
+the design standards for MH Advantage. There is no requirement to include a factory-built home sale(s) that is not MH
+Advantage, but if used, the appraiser must note why it was selected as a comparable sale, based on an assessment of the
+physical features of the subject property.
diff --git a/chunks/txt/e3c1ead87d171ceb21488e5135b70e12d342020da2d86d7d6ad5914dcd7cc08a.txt b/chunks/txt/e3c1ead87d171ceb21488e5135b70e12d342020da2d86d7d6ad5914dcd7cc08a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a77efad5148a080bb762a97133f0522bcdc6f47d
--- /dev/null
+++ b/chunks/txt/e3c1ead87d171ceb21488e5135b70e12d342020da2d86d7d6ad5914dcd7cc08a.txt
@@ -0,0 +1,54 @@
+PRINCIPALAND
+INTEREST PAYMENT
+PERIODICADJUSTMENT
+RULES
+
+RATE OR PAYMENT
+CHANGEOCCURRENCE
+
+Each child ADJUSTMENT container has up to four child containers of similar structure: one
+to specify index rules, one to articulate the rules in effect for the life of the conversion
+option or loan, one to identify the rules applicable to “First” and “Subsequent” change
+periods, and one to communicate associated rules that also are in effect for specified time
+
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 43 of 76
+
+Section IV. Using the MISMO V3.0 Reference Model
+
+periods. The RATE_OR_PAYMENT_CHANGE_ OCCURRENCE container holds data points
+that communicate values resulting from the execution of each of the applicable rules.
+
+1. Index_Rules / Index_Rule
+
+The INDEX_RULE contains data points specifying the index used to govern changes in
+the interest rate or principal and interest payment. The data points it contains include
+the index source, lookback period, rounding rules, calculation methods, and index
+averaging rules. While multiple Index Rules can be identified for each potential
+adjustment to a loan (conversion, adjustable rate, or adjustable payments), typically
+there is only one.
+
+Example IV-7. Use of INTEREST_RATE_ADJUSTMENT / INDEX_RULE for an ARM
+
+The interest rate adjustment is based on a 1-year LIBOR index published daily in
+the Wall Street Journal with lookback period of 25 days.
+
+Data Point
+IndexSourceType
+
+InterestAndPaymentA
+djustmentIndexLeadD
+aysCount
+
+Definition
+Specifies the type and source of
+index to be used to determine the
+interest rate at each adjustment.
+The number of days prior to an
+interest rate effective date used to
+determine the date for the index value
+when calculating a new interest rate
+on a loan.
diff --git a/chunks/txt/e3caeb3200c5836226598546d7be21d26e3ae2ff68ab52598627e76fef5a3f65.txt b/chunks/txt/e3caeb3200c5836226598546d7be21d26e3ae2ff68ab52598627e76fef5a3f65.txt
new file mode 100644
index 0000000000000000000000000000000000000000..95f5402184b01d4ff54ecb7bc248887f482a7872
--- /dev/null
+++ b/chunks/txt/e3caeb3200c5836226598546d7be21d26e3ae2ff68ab52598627e76fef5a3f65.txt
@@ -0,0 +1,69 @@
+Allowable
+Answers / Format
+
+Choose an
+allowable answer
+from table (Room
+Condition Status)
+
+Definition / Additional Guidance
+
+The condition status of the kitchen or bathroom.
+•
+•
+•
+•
+
+New or Like New
+Typical Wear and Tear
+Damaged and Functional
+Damaged and Nonfunctional
+
+Notes:
+•
+
+If there are varying condition statuses for the individual kitchen or
+bathroom, choose the one that best explains the Interior Condition
+Rating.
+Condition Status reflects the required repairs, inspections, or completions
+as if they were completed. The current condition is noted in the Apparent
+Defects, Damages, and Deficiencies (Unit Interior) subsection.
+Individual damages must be reported in the Apparent Defects, Damages,
+and Deficiencies (Unit Interior) subsection.
+
+•
+
+•
+
+10.042 Condition
+Comment
+
+Free-form
+
+If needed to describe
+the current condition
+of each kitchen and
+bathroom in the unit
+
+A brief description of the current condition of the kitchen or bathroom as of
+the effective date. For further expansion of commentary, use Unit Interior
+Commentary (10.061).
+
+When the item will cause the Market Value Condition of the appraisal (26.009)
+to be subject to repair, the appraiser must also reference the Apparent
+Defects, Damages, Deficiencies table.
+
+Allowable Answer
+
+Fully Updated
+
+Partially Updated
+
+Not Updated
+
+Room Update Status (Choose one for each kitchen or bathroom)
+
+Definition / Additional Guidance
+
+The kitchen or bathroom has been completely modernized, renovated, refinished, or remodeled to a like new condition.
+Note: This includes gut rehabs, new additions, or new construction (3.017).
diff --git a/chunks/txt/e3dacd9df6f9747e62bd9fc269d4380be410834ccb937ea168e4be06d3d0b087.txt b/chunks/txt/e3dacd9df6f9747e62bd9fc269d4380be410834ccb937ea168e4be06d3d0b087.txt
new file mode 100644
index 0000000000000000000000000000000000000000..89cb4fdd0811fc6afb740a972e8701cd7b6f1f58
--- /dev/null
+++ b/chunks/txt/e3dacd9df6f9747e62bd9fc269d4380be410834ccb937ea168e4be06d3d0b087.txt
@@ -0,0 +1,107 @@
+358
+
+3
+
+e-19
+
+SALES
+COMPARISON
+APPROACH
+
+Basement & Finished
+(line 1)
+
+(Basement Finish Square Footage)
+
+GSE Below Grade
+Finish Square Feet
+Number
+
+The total finished area of the property
+below grade.
+
+359
+
+3
+
+e-20
+
+SALES
+COMPARISON
+APPROACH
+
+Basement & Finished
+(line 1)
+
+(Basement Exit Type)
+
+GSE Basement Exit
+Type
+
+The type of exit for a basement.
+Describes how the basement can be
+accessed.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D
+ETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex
+tensionSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM
+PARISON_DETAIL/@GSEBelowGradeFinishSquareFeetNumber
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D
+ETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex
+tensionSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM
+PARISON_DETAIL/@GSEBasementExitType
+
+2
+
+2
+
+2
+
+5
+
+6
+
+5
+
+5
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+
+Enumerated
+
+Allowable Values
+ C1
+ C2
+ C3
+ C4
+ C5
+ C6
+
+Numeric
+
+Numeric
+
+Numeric
+
+String
+
+Numeric
+
+Numeric
+
+This data is referenced more than once on the form for the subject property, and must
+be represented consistently.
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+Specify Above Grade Rooms Only.
+
+PDF Display Format:
+Whole numbers only.
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+Specify Above Grade Bedrooms Only.
diff --git a/chunks/txt/e3dfce797d1321bba6065e6342e61c68a6366adda5d7a38bf79cdc369805759a.txt b/chunks/txt/e3dfce797d1321bba6065e6342e61c68a6366adda5d7a38bf79cdc369805759a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7ffff0976c4dd8258d89172f8abae3aed250b072
--- /dev/null
+++ b/chunks/txt/e3dfce797d1321bba6065e6342e61c68a6366adda5d7a38bf79cdc369805759a.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/reports/single-family-guarantee-fees"
+date_accessed: "2026-01-27T17:47:58.365Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/e3e005a3d4a3009b02a16643cdcbc38721795c17a377c0103fec89b001d324e8.txt b/chunks/txt/e3e005a3d4a3009b02a16643cdcbc38721795c17a377c0103fec89b001d324e8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5cba8c4a72a9beddceb8ede91d339d103bf00c9e
--- /dev/null
+++ b/chunks/txt/e3e005a3d4a3009b02a16643cdcbc38721795c17a377c0103fec89b001d324e8.txt
@@ -0,0 +1,16 @@
+[]()
+
+- [Home](/)
+ - Integrated Vendor List
+
+# Integrated Vendor List
+
+Fannie Mae partners with technology and industry vendors across the mortgage lifecycle to enable mutual customers access to our suite of solutions. The list below is a comprehensive view of all integrated and non-integrated companies across Single Family.
+
+**New!** Click here to access the current [property data collection: fulfillment providers list](/property-data-collection-fulfillment-providers).
+
+[]()
+
+Name
+
+Fannie Mae Product Interface - Any - Asset Validation Report Provider Asset Validation Report Supplier Credit Information Provider Desktop Originator Desktop Underwriter EarlyCheck eClose eNote eVault Income and Employment Validation Report Provider Income and Employment Validation Report Supplier Income Calculator Mission Score API Mortgage Insurance Pricing & Execution - Whole Loan Browse Price Pricing & Execution - Whole Loan Make Commitment Pricing & Execution - Whole Loan Manage Commitment Property Data API Servicing Management Default Underwriter Tax Transcript Validation Report Provider Tax Transcript Validation Report Supplier UAD 3.6 Appraisal Software Provider UAD 3.6 Compliance Rules API Uniform Closing Dataset File Creation Uniform Closing Dataset File Delivery Uniform Collateral Data Portal for UAD 2.6 Uniform Collateral Data Portal for UAD 3.6 Uniform Loan Delivery Dataset
diff --git a/chunks/txt/e3e88fd9c10a51b492e232bcbb61c728e8f497a8b05884ee4ad8ebf6528ec0da.txt b/chunks/txt/e3e88fd9c10a51b492e232bcbb61c728e8f497a8b05884ee4ad8ebf6528ec0da.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4e4f284edb39c4ffff02b8084d8878506596b9cf
--- /dev/null
+++ b/chunks/txt/e3e88fd9c10a51b492e232bcbb61c728e8f497a8b05884ee4ad8ebf6528ec0da.txt
@@ -0,0 +1,50 @@
+A low-capacity road designed as a non-through street that ends in a circle typically used for vehicle turn around; features a
+low rate of speed and unregulated pedestrian access.
+
+A low-capacity road or series of roads that end abruptly with no specified area for vehicle turn around and only one means
+of entry and exit; features a low rate of speed and unregulated pedestrian access (e.g., non-through street).
+
+A moderate- to low-capacity road primarily designed to provide direct access to individual residential properties; typically
+features single lane, low rates of speed and unregulated pedestrian access (e.g., neighborhood or residential road).
+
+A low-capacity road primarily designed to provide direct access to agricultural properties and larger acreage residential
+properties; typically present in areas of low population density with low rates of speed and unregulated pedestrian access
+(e.g., county road).
+
+Other (Describe)
+
+Select Other to enter an answer that is not in the above list.
+
+Site Influence
+
+The appraiser must fully consider all of the influences that impact the value and marketability of a property’s
+site and location. These may be onsite or offsite, and sometimes may not be visible from the property or may
+even be located some distance away.
+
+The appearance of the Site Influence table varies based on the details of the property being appraised.
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+4.025
+
+Influence
+
+Always required
+
+Site: Site Influences
+
+Allowable
+Answers / Format
+
+Choose one or
+more allowable
+answers from
+table (Site
+Influence)
+
+Definition / Additional Guidance
diff --git a/chunks/txt/e3f162b9378bda8849ae4f9e63e8f8716e51f917d4c55a43011c5d5109bbf2e7.txt b/chunks/txt/e3f162b9378bda8849ae4f9e63e8f8716e51f917d4c55a43011c5d5109bbf2e7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fb0289eb21db987c6375ebb6165cc83bbbfcfa69
--- /dev/null
+++ b/chunks/txt/e3f162b9378bda8849ae4f9e63e8f8716e51f917d4c55a43011c5d5109bbf2e7.txt
@@ -0,0 +1,131 @@
+The items listed below represent the As Is condition as of the effective date of this report
+
+Feature
+Dwelling Exterior
+
+Location
+
+Description
+
+Roof
+
+Section of Roof
+
+Roof is significantly worn and has
+damaged flashing, but no apparent
+active leaks.
+
+As Is Overall Condition Rating
+
+C5
+
+Existing condition of the property as of the effective date of this
+appraisal, excluding all required repairs, alterations, or inspections
+
+Affects Soundness
+or Structural
+Integrity
+
+Recommended
+Action
+
+Estimated Cost to
+Repair
+
+Yes
+
+Repair
+
+$1,500
+
+Total Cost
+
+$1,500
+
+Appraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1)
+
+Uniform Residential Appraisal Report
+
+Page 2 of 21
+Page 2 of 21
+
+NEW PG!
+
+Assignment Information
+
+Assignment Reason
+Borrower Name
+
+Seller Name
+Current Owner of Public Record
+
+Purchase
+Betty Borrower
+Bob Borrower
+Jane Doe
+Jane Doe
+
+Property Valuation Method
+
+Traditional Appraisal
+
+Was a Property Data Report used in lieu of an
+Inspection?
+
+Yes No
+ 
+
+Contact Information
+
+Client/Lender
+
+Company Name
+Company Address
+
+Appraisal Management Company
+
+Company Name
+
+Company Address
+
+Appraiser
+
+Name
+Designation
+Company Name
+Company Address
+
+DEF Bank
+200 Elm St
+Anytown, VA 12346
+
+XYZ Appraisal Management
+Company
+300 Maple Ave
+Anytown, VA 12345
+
+Agatha Appraiser
+SRA
+ABC Appraisal Co.
+123 Main St
+Anytown, VA 12345
+
+Credentials
+
+Level
+ID
+State
+Expires
+
+Certified Residential
+XYZ12345
+VA
+10/10/2020
+
+Scope of Inspection by Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date
diff --git a/chunks/txt/e3fbb8b204eb88ed410a16237fd3aff3e0a771576962f5db971db9e66a633571.txt b/chunks/txt/e3fbb8b204eb88ed410a16237fd3aff3e0a771576962f5db971db9e66a633571.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8cf31bc1bb9721d5c16d81ea40a6645798b59c3f
--- /dev/null
+++ b/chunks/txt/e3fbb8b204eb88ed410a16237fd3aff3e0a771576962f5db971db9e66a633571.txt
@@ -0,0 +1,94 @@
+Seller Is Owner
+Indicator
+
+Indicates that the seller is the owner of the
+property.
+
+/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@SellerIsOwne
+rIndicator='N']
+
+CONTRACT
+
+Contract
+Data Source(s)
+
+Data Source
+Description
+
+A free-form text field used to describe the
+source of information.
+
+/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@DataSourceD
+escription
+
+CONTRACT
+
+Is there any financial assistance (loan
+charges, sales concessions, gift or
+downpayment assistance, etc.) to be paid
+by any party on behalf of the borrower?
+Yes
+
+Sales Concession
+Indicator
+
+Indicates that someone made concessions
+for the current sales contract.
+
+/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@SalesConcess
+ionIndicator='Y']
+
+9
+
+10
+
+1
+
+1
+
+25
+
+1
+
+Money
+
+UAD Requirement - Refer to Appendix D Contract Section
+Whole dollars only.
+
+UAD Requirement - Refer to Appendix D Contract Section
+
+Date/Time
+
+Data Format:
+yyyy-mm-dd
+
+PDF Display Format:
+mm/dd/yyyy
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Contract Section
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Contract Section
+
+String
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Contract Section
+
+UAD Requirement - Refer to Appendix D Contract Section
+The allowable values are listed below. When representing these values in the XML file,
+they must be shown exactly as they appear below:
+
+Allowable Values PDF Display
+ Comp Grid Page 1
+REOSale REO REO sale
+ShortSale Short Short sale
+CourtOrderedSale CrtOrd Court ordered sale
+EstateSale Estate Estate sale
+RelocationSale Relo Relocation sale
+NonArmsLengthSale NonArm Non-arms length sale
+ArmsLengthSale ArmLth Arms length sale
diff --git a/chunks/txt/e407180ef51db524e3888936a74fab355648acd4094e4f047f05f56fad31c411.txt b/chunks/txt/e407180ef51db524e3888936a74fab355648acd4094e4f047f05f56fad31c411.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6cb5e0a7caf781774128e1c4fea6a668ddb5d6f1
--- /dev/null
+++ b/chunks/txt/e407180ef51db524e3888936a74fab355648acd4094e4f047f05f56fad31c411.txt
@@ -0,0 +1,93 @@
+Supporting data points are shown in the following table. The dollar amounts of liabilities that must be paid off as
+part of the closing transaction are represented by data points in the LIABILITY structure. LiabilityType identifies
+the liability and PayoffAmount provides the amount being paid off. LIABILITY repeats for each payoff item that is
+represented on the form. IntegratedDisclosureSubsectionType is not needed because 11.4 does not have a
+heading under Section K.
+
+Table 110. Borrower Payoffs and Payments
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0
+Value
+
+Notes
+
+11.4
+
+Credit Card Balance
+
+11.4.1 N/A - XML
+
+…/LIABILITY/LIABILI
+TY_DETAIL
+
+LiabilityType
+
+Open30DayCharge
+Account
+
+ROF as “Credit Card
+Balance”
+
+@gse:DisplayLabelT
+ext
+
+Credit Card Balance
+
+…/LIABILITY_DETAIL
+/EXTENSION/OTHE
+R
+
+gse:IntegratedDiscl
+osureSectionType
+
+DueFromBorrower
+AtClosing
+
+Not Shown
+
+11.4
+
+Credit Card Balance
+to _____
+
+…/LIABILITY/LIABILI
+TY_HOLDER/NAME
+
+11.4.1 Credit Card Balance
+
+($)
+
+…/LIABILITY/PAYOF
+F
+
+FullName
+
+Finance Bank
+
+ROF as “to Finance
+Bank”
+
+PayoffAmount
+
+2000.00
+
+ROF as “$2,000.00”
+
+11. 5 ADJUSTMENTS - UPADATED
+
+Non-prorated items for which the Borrower is reimbursing the Seller at closing are disclosed under the heading
+Adjustments. Examples include the balance in the seller’s reserve account held for an existing loan (if assigned
+to the borrower(s) in a loan assumption), any rent the borrower would collect after closing for a period prior to
+closing, and the treatment of any tenant security deposit.
+
+Appendix E: UCD Implementation Guide
diff --git a/chunks/txt/e40e74341a9476237aa933c432695f6dfd8d1351f082d50e4197fa24dd498172.txt b/chunks/txt/e40e74341a9476237aa933c432695f6dfd8d1351f082d50e4197fa24dd498172.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3477d716520134617bca35e97022fbeb99fa33c5
--- /dev/null
+++ b/chunks/txt/e40e74341a9476237aa933c432695f6dfd8d1351f082d50e4197fa24dd498172.txt
@@ -0,0 +1,259 @@
+Local Road | Asphalt
+
+Pastoral | Full
+
+Pastoral | Full
+
+Local Road
+| Asphalt
+
+Pastoral | Full
+
+Rural Road
+| Gravel
+
+Agricultural | Full
+
+1979
+
+Colonial
+
+1980
+
+Colonial
+
+$0
+
+1984
+
+Colonial
+
+$0
+
+1938
+
+Farmhouse
+
+Forced Warm Air | Electric
+
+Forced Warm Air
+
+Forced Warm Air
+
+Forced Warm Air
+
+Energy Efficient And Green Features
+
+Renewable Energy
+Component
+
+Efficiency Rating
+
+Solar
+
+HERS | 65
+Home Energy Score | 7
+
+$0
+
+None
+
+None
+
+$0
+
+Solar
+
+HERS | 65
+Home Energy Score | 8
+
+Unit(s)
+
+Bedrooms
+
+Baths - Full | Half
+
+Finished Area Above Grade
+
+Finished Area Below Grade
+
+Unfinished Area
+Below Grade
+
+Location of ADU
+
+Bedrooms
+
+Baths - Full | Half
+
+Finished Area Above Grade
+
+Finished Area Below Grade
+
+5
+
+3 | 1
+
+5
+
+3 | 1
+
+3
+
+$0
+
+2 | 1
+
+$30,000
+
+3,228 Sq. Ft.
+
+$0
+
+3,562 Sq. Ft.
+
+$(20,640)
+
+1,856 Sq. Ft.
+
+$115,840
+
+1,581 Sq. Ft.
+
+$(9,480)
+
+1,000 Sq. Ft.
+
+$13,760
+
+616 Sq. Ft.
+
+395 Sq. Ft.
+
+$4,420
+
+281 Sq. Ft.
+
+$6,700
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+$53,760
+
+$12,320
+
+Standalone ADU
+
+Dwelling
+
+1
+
+1 | 0
+
+$0
+
+$0
+
+Dwelling
+
+1
+
+1 | 0
+
+$0
+
+$0
+
+ADU/Garage
+
+1
+
+1 | 0
+
+$0
+
+$0
+
+500 Sq. Ft.
+
+$(1,840)
+
+0 Sq. Ft.
+
+$18,560
+
+625 Sq. Ft.
+
+$(6,440)
+
+0 Sq. Ft.
+
+500 Sq. Ft.
+
+$(20,000)
+
+0 Sq. Ft.
+
+5
+
+3 | 1
+
+3,304 Sq. Ft.
+
+1,344 Sq. Ft.
+
+0
+
+1 | 0
+
+464 Sq. Ft.
+
+0 Sq. Ft.
+
+Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Exterior Quality and Condition
+
+Quality
+
+Exterior Walls and Trim
+
+Roof
+
+Condition
+
+Q4
+
+Aluminum
+
+Composition
+
+C3
+
+Q4
+
+Vinyl
+
+Metal
+
+C3
+
+Q4
+
+Aluminum
+
+Composition
+
+C3
+
+Q2
+
+Cement Board
+
+Metal
+
+C2
+
+Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024
diff --git a/chunks/txt/e42171d3b3babc2ef50283fec2d7e08c70683a16a5d88782e54117a8abfec2f3.txt b/chunks/txt/e42171d3b3babc2ef50283fec2d7e08c70683a16a5d88782e54117a8abfec2f3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8d8623c2488bf8bb0ed3e996af6c009cf2b701f0
--- /dev/null
+++ b/chunks/txt/e42171d3b3babc2ef50283fec2d7e08c70683a16a5d88782e54117a8abfec2f3.txt
@@ -0,0 +1,43 @@
+The value of the solar panels must not be included in other debt secured by real estate in the CLTV ratio
+calculation because the documented lease or power purchase agreement status takes priority.
+
+The property must maintain access to an alternate source of electric power that meets community
+standards.
+
+The lease or power purchase agreement must indicate that
+
+•
+
+•
+
+any damage that occurs as a result of installation, malfunction, manufacturing defect, or the
+removal of the solar panels is the responsibility of the owner of the equipment and the owner
+must be obligated to repair the damage and return the improvements to their original or prior
+condition (for example, sound and watertight conditions that are architecturally consistent with
+the home);
+
+the owner of the solar panels agrees not to be named loss payee (or named insured) on the
+property owner’s property insurance policy covering the residential structure on which the panels
+are attached. As an alternative to this requirement, the lender may verify that the owner of the
+solar panels is not a named loss payee (or named insured) on the property owner’s property
+insurance policy; and
+
+•
+
+in the event of foreclosure, the lender or assignee has the discretion to
+
+o
+
+terminate the lease/agreement and require the third-party owner to remove the
+equipment;
+
+o become, without payment of any transfer or similar fee, the beneficiary of the borrower’s
+
+lease/agreement with the third party; or
+
+o enter into a new lease/agreement with the third party, under terms no less favorable
+
+than the prior owner.
+
+Any exceptions to coverage on the title insurance policy for recorded instruments relating to the solar
+panels must comply with Selling Guide B7-2-05, Title Exceptions and Impediments.
diff --git a/chunks/txt/e43136aa0c1bb7b50f9a1149b9430e724435814b3274874c9d2182fc6f8970bc.txt b/chunks/txt/e43136aa0c1bb7b50f9a1149b9430e724435814b3274874c9d2182fc6f8970bc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4f0a7d1aa8c7056a91dbb42739b4e267436ee515
--- /dev/null
+++ b/chunks/txt/e43136aa0c1bb7b50f9a1149b9430e724435814b3274874c9d2182fc6f8970bc.txt
@@ -0,0 +1,36 @@
+Introduction
+
+This topic contains information on the definition of market value and alternate opinion(s) of value.
+
+• Overview
+• Definition of Market Value
+• Alternate Opinion(s) of Value
+
+Overview
+
+An opinion of market value that meets the market value definition below is required for Uniform Residential Appraisal Report
+(URAR). In addition to developing an opinion of market value for the subject property, the lender may also request an alternate
+opinion of value. The appraiser must develop and communicate each opinion of value in accordance with the Uniform Standards
+of Professional Appraisal Practice (USPAP).
+
+Definition of Market Value
+
+Market value is the most probable price that a property should bring in a competitive and open market under all conditions
+requisite to a fair sale with the buyer and seller each acting prudently and knowledgeably, and assuming the price is not affected
+by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from
+seller to buyer under conditions whereby:
+
+• buyer and seller are typically motivated;
+
+• both parties are well informed or well advised, and each acting in what they consider to be in their own best interest;
+
+•
+
+a reasonable time is allowed for exposure in the open market;
+
+• payment is made in terms of cash in U.S. dollars or in terms of financial arrangements comparable thereto; and
+
+•
+
+the price represents the normal consideration for the property sold unaffected by special or creative financing or sales
+concessions granted by anyone associated with the sale.
diff --git a/chunks/txt/e43f8dba7c81e0afdcb772e869f74b68a2dfea9b8f1bb152fe7bd05f8952a914.txt b/chunks/txt/e43f8dba7c81e0afdcb772e869f74b68a2dfea9b8f1bb152fe7bd05f8952a914.txt
new file mode 100644
index 0000000000000000000000000000000000000000..19b652e1f1fc5fa07acc5a0f2cfc0e24c036e66d
--- /dev/null
+++ b/chunks/txt/e43f8dba7c81e0afdcb772e869f74b68a2dfea9b8f1bb152fe7bd05f8952a914.txt
@@ -0,0 +1,49 @@
+•
+•
+
+$300 annual ground rent/5.75% capitalization rate = $5,217.39 (rounded to $5,200)
+$100,000 fee simple value – $5,200 leased fee value = $94,800 (leasehold value)
+
+Leasehold Value Requested Condition Commentary
+
+When a leasehold property is held by a community land trust, the appraiser must, in addition to providing a leasehold value as
+outlined above, include the following details in the Requested Condition Commentary within the Reconciliation section of the
+appraisal report:
+
+•
+•
+•
+
+a detailed description of the leasehold value development,
+the development of the capitalization rate, and
+an expanded discussion of the comparable sales used and considered.
+
+The following statement must also be provided:
+
+“This appraisal is made on the basis of the hypothetical condition that the property rights being appraised are the leasehold
+interest without resale and other restrictions that are removed by the Community Land Trust Ground Lease Rider.”
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 115 of 166
+
+UAD 3.6 Policy
+
+SB4-1.4-07, Non-Residential Use Appraisal Requirements for Mixed-Use
+Properties (06/04/2025)
+
+Introduction
+
+This topic contains information on special appraisal considerations for mixed-use properties with non-residential use(s),
+including:
+
+• Overview
+• Non-Residential Use Appraisal Requirements for Mixed-Use Properties
+• Non-Residential Use Reporting
+
+Overview
+
+Fannie Mae purchases or securitizes mortgage loans secured by properties that have a business use in addition to their residential
+use provided that special eligibility criteria are met. These business uses can include, but are not limited to, properties with space
+set aside for day care facilities, beauty or barber shops, or doctor’s offices. For eligibility criteria, see SB2-3-04, Special Property
+Eligibility Considerations.
diff --git a/chunks/txt/e4479ccf9c39bf7450b730dd2d3246915734ef558babac73811355f3312e9b6b.txt b/chunks/txt/e4479ccf9c39bf7450b730dd2d3246915734ef558babac73811355f3312e9b6b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..726c908c80182f8a16f47c8c5d4129bd1b89670d
--- /dev/null
+++ b/chunks/txt/e4479ccf9c39bf7450b730dd2d3246915734ef558babac73811355f3312e9b6b.txt
@@ -0,0 +1,91 @@
+Depreciated site improvements include 2 decks, dock, utilities to site and electric to water front, fencing, and driveway.
+
+Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 25 of 30
+Page 25 of 30
+
+Cost Approach (continued)
+
+Cost Approach Exhibits
+
+Map of Land Comparables
+
+This is where the Map of Land Comparables image would display.
+
+Reconciliation
+
+Approaches to Value
+
+Indicated Value
+
+Reason for Exclusion
+
+Sales Comparison Approach
+$445,000
+
+Income Approach
+
+Cost Approach
+$459,500
+
+Not Necessary for Credible Results
+
+Appraisal Summary
+
+Opinion of Market Value
+Market Value Condition
+
+$445,000
+As Is
+
+Reasonable Exposure Time
+Effective Date of Appraisal
+
+45 Days
+09/25/2019
+
+Reconciliation of Market Value
+
+Utilize this subsection for additional commentary as required by USPAP.
+
+Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 26 of 30
+
+Reconciliation (continued)
+
+Apparent Defects, Damages, Deficiencies
+
+The items listed below represent the As Is condition as of the effective date of this report
+
+Feature
+Outbuilding - Barn
+
+Location
+
+Description
+
+Affects Soundness or
+Structural Integrity
+
+Recommended
+Action
+
+Exterior Walls and Trim
+
+Entire Exterior
+
+The overall structure is showing deterioration;
+major issues include holes in the wall of the
+building.
+
+No
+
+None
+
+Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024
diff --git a/chunks/txt/e44e8ffdcb2a0843086e94178504fb3e847c0a593cd1e90c945c36af89175a6c.txt b/chunks/txt/e44e8ffdcb2a0843086e94178504fb3e847c0a593cd1e90c945c36af89175a6c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c5e0d0c7fadd8fce45df0ec02d50c6da2ecfc2b8
--- /dev/null
+++ b/chunks/txt/e44e8ffdcb2a0843086e94178504fb3e847c0a593cd1e90c945c36af89175a6c.txt
@@ -0,0 +1,104 @@
+Appendix E: UCD Implementation Guide
+
+Page 84 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+5.0 Projected Payments Table
+
+Table 72. P&I Payments for 30-Year Fixed Rate Loan with Private MI
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point
+
+MISMO v3.3.0
+Value
+
+Notes
+
+First Instance of PROJECTED_PAYMENT
+
+5.2.2
+
+Years 1 – 7
+Principal & Interest
+($)
+
+…/PROJECTED_PAY
+MENT
+
+ProjectedPayment
+PrincipalAndInteres
+tMaximumPaymen
+tAmount
+
+761.78
+
+ROF as “$761.78”
+
+Second Instance of PROJECTED_PAYMENT
+
+5.2.5
+
+Years 8 – 30
+Principal & Interest
+($)
+
+…/PROJECTED_PAY
+MENT
+
+ProjectedPayment
+PrincipalAndInteres
+tMaximumPaymen
+tAmount
+
+761.78
+
+ROF as “$761.78”
+
+End of PROJECTED_PAYMENT Instances
+
+2. P& I PAYMENT I NCREASES
+
+Payment frequency and number of b. Payment Change Events determine how many columns must be disclosed.
+The values of the following data points can be leveraged to establish whether more than one column is required
+and to identify additional data points that may be used to determine payment change year ranges and amounts.
+
+Table 73. Data Points Indicating Impact to P&I Payment
+
+Form Field ID
+
+Data Point Name
+
+Implications
+
+4.5.2
+
+BalloonIndicator
+
+4.3.3
+
+InterestOnlyIndicator
+
+3.6 | 5.3 | 5.3 MIRequiredIndicator
+
+When true, more than one column is required; balloon payment
+disclosed as last column.
+
+When true, more than one column is required; return to
+amortizing payments is captured as a new column.
+
+When true, does not change the P&I payment, but does change
+the Estimated Total Payment, so a new column is required when
+MI is no longer required.
+
+4.1.3
diff --git a/chunks/txt/e454036cb4e95ba9ae5670252e8729e4d67bf7b20b2f2223a2cef1ce6a9c2737.txt b/chunks/txt/e454036cb4e95ba9ae5670252e8729e4d67bf7b20b2f2223a2cef1ce6a9c2737.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6254bd5b57fb1a080537644b24e246a1174595f9
--- /dev/null
+++ b/chunks/txt/e454036cb4e95ba9ae5670252e8729e4d67bf7b20b2f2223a2cef1ce6a9c2737.txt
@@ -0,0 +1,76 @@
+UAD Requirement - Refer to Appendix D Site Section
+The allowable values are listed below. When representing these values in the XML
+file, they must be shown exactly as they appear below:
+
+10
+
+Enumerated
+
+Allowable Values PDF Display
+Neutral N
+Beneficial B
+Adverse A
+
+This data is referenced more than once on the form for the subject property, and must
+be represented consistently.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+UAD Requirement - Refer to Appendix D Site Section
+The allowable values are listed below. When representing these values in the XML
+file, they must be shown exactly as they appear below:
+
+94
+
+1
+
+e-6
+
+PROJECT SITE
+
+View
+
+(View Type)
+
+GSE View Type
+
+The type of view associated with the
+property.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_V
+IEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL_EXTENSION_
+SECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_DATA
+/COMPARISON_VIEW_DETAIL[@_SequenceIdentifier='1..2']/@GSEViewTyp
+e
+
+19
+
+Enumerated
+
+95
+
+1
+
+e-7
+
+PROJECT SITE
+
+View
+
+(View Type Other Description)
+
+GSE View Type
+Other Description
+
+The type of view associated with the
+property if other is selected.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_V
+IEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL_EXTENSION_
+SECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_DATA
+/COMPARISON_VIEW_DETAIL[@GSEViewType='Other']/@GSEViewTypeOt
+herDescription
diff --git a/chunks/txt/e460a0849cf64c3e5e84264398525c68b0a84becf35e00792299c8eff4bd76ad.txt b/chunks/txt/e460a0849cf64c3e5e84264398525c68b0a84becf35e00792299c8eff4bd76ad.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9a1af83b4b02b54a1e7c6e5f3ea1a9f86f9a5ec6
--- /dev/null
+++ b/chunks/txt/e460a0849cf64c3e5e84264398525c68b0a84becf35e00792299c8eff4bd76ad.txt
@@ -0,0 +1,73 @@
+Useful Links: ...................................................................................................................................... 60
+
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+2
+
+Fannie Mae Implementation Guide Revision History
+
+Document Date
+
+Version No.
+
+Description
+
+August 8, 2025
+
+2.6.1
+
+September 28, 2022
+
+2.6
+
+June 29, 2021
+
+2.5
+
+December 18, 2019
+
+2.4
+
+May 15, 2019
+
+2.3
+
+February 26, 2019
+
+2.2
+
+January 17, 2019
+
+2.1
+
+Removed outdated Useful Link for “Training on the
+DU Spec or Redesigned 1003” in Appendix B.
+Added guidance for Construction Method Type in
+Section 9.
+Modified Context diagram to include Shared Equity
+Amount to support subsidies.
+
+Updated document to reflect the recent DU Spec
+1.8.3 publication.
+Removed the FAQs section to an independent
+document: Frequently Asked Questions for the DU
+Spec
+
+Minor formatting changes throughout document.
+Updated Chapter 4: Section 1b
+
+FAQs: Updated 15, 20, 22, 24, 26, 30, 37, 38, 41, 42
+and added 2 new.
+
+Updated Chapter 6: 1a, 2a, 3a, L1, L3, L4
+
+Minor formatting changes throughout document.
+Updated Chapter 2: Credit Request paragraph.
+Updated Chapter 4: Section names corrected to
+match redesigned URLA.
+FAQs: Updated 5, 7, 8, 9, 11, 14, 15, 22, 23, 28, 30,
+31, 32, and added 11 new.
+Updated Chapter 6: Updated all diagrams for legend
+change and content.
diff --git a/chunks/txt/e47943f66243a40cf55f774aa5abbce4be68165b5b563cca797a00e204b360ff.txt b/chunks/txt/e47943f66243a40cf55f774aa5abbce4be68165b5b563cca797a00e204b360ff.txt
new file mode 100644
index 0000000000000000000000000000000000000000..487e56eee92b7939b6676c8247ef7beab9c06b90
--- /dev/null
+++ b/chunks/txt/e47943f66243a40cf55f774aa5abbce4be68165b5b563cca797a00e204b360ff.txt
@@ -0,0 +1,72 @@
+45
+
+2
+
+10
+
+50
+
+50
+
+String
+
+String
+
+String
+
+String
+
+String
+
+APPRAISER
+CERTIFICATION
+
+Supervisory Appraiser
+Date of Signature
+
+Supervisor Report
+Signed Date
+
+Indicates the date the supervisor signed
+the report.
+
+/VALUATION_RESPONSE/REPORT/@SupervisorReportSignedDate
+
+10
+
+Date/Time
+
+This field contains the lender/client company name. This data is referenced more
+than once on the form (refer to field 1-36) and must be represented consistently, to
+the extent the available space permits. The printed version of this field must appear
+completely in at least one location on the form, but may be truncated in the other
+location
+
+This address information is treated differently from other address fields on the
+appraisal form in order to accommodate lender requirements.
+
+This is a free text field which should contain the supervisory appraiser’s company
+name.
+
+This field should be populated if field 6-27
+(Supervisor Name) is populated
+
+This field should be populated if there is a
+supervisory appraiser
+
+Should conform to USPS (Pub 28). The following address elements should 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)
+
+Should conform to USPS (Pub 28). The following address element should be
+included in this field:
+• City
+Should conform to USPS (Pub 28). The following address element should be
+included in this field:
+• USPS two-letter state or territory representation
+Should conform to USPS (Pub 28). The following address element should be
+included in this field:
+• 5-digit ZIP Code or ZIP+4
diff --git a/chunks/txt/e48fbafeb46da1ebcd74bcb86910eef6f69635cddb0ec9c50d84081f29acc787.txt b/chunks/txt/e48fbafeb46da1ebcd74bcb86910eef6f69635cddb0ec9c50d84081f29acc787.txt
new file mode 100644
index 0000000000000000000000000000000000000000..438a5b00c90b8d896eec91e002151058cf0b9c28
--- /dev/null
+++ b/chunks/txt/e48fbafeb46da1ebcd74bcb86910eef6f69635cddb0ec9c50d84081f29acc787.txt
@@ -0,0 +1,69 @@
+Limited windows and doorways, constructed
+of lower-grade materials and featuring
+minimal or no trim and finish.
+Basic roof design, usually low-pitch and
+single roofline; may possess inconsistent
+rooflines if additions are present; features
+low-grade or alternate roof materials.
+Exterior walls constructed using economy or
+low-grade materials and featuring minimal
+corners; usually a basic rectangular shape.
+
+Appendix F-1: URAR Reference Guide
+
+Page 350 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Appendix 3: ANSI Examples
+
+Appendix 3: ANSI Examples
+
+This Appendix shows examples of applying the ANSI measurement standard.
+
+ANSI Example 1: Cape Cod with Finished Below Grade Area and Second Floor
+
+This is an example of a cape cod-style house with some finished area below grade and on the second floor.
+
+Dwelling Exterior
+
+The Dwelling Exterior section provides context with Dwelling Style and Year Built, in addition to the picture of
+the home.
+
+Appendix F-1: URAR Reference Guide
+
+Page 351 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Appendix 3: ANSI Examples
+
+Unit Interior
+
+Standard and nonstandard finished areas are reported separately in the Area Breakdown subsection. They are
+only combined in the Level and Room Detail table.
+
+Unit Interior Commentary is used to more fully describe the standard and nonstandard finished areas, including
+a description as to why the area is nonstandard.
+
+Appendix F-1: URAR Reference Guide
+
+Page 352 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Appendix 3: ANSI Examples
+
+Sketch
+
+Appendix F-1: URAR Reference Guide
+
+Page 353 of 375
+
+Version 1.3
diff --git a/chunks/txt/e49458c7bb25631fe57856a6f50405e8088d89e42c857ff1394dbe26e2534bd0.txt b/chunks/txt/e49458c7bb25631fe57856a6f50405e8088d89e42c857ff1394dbe26e2534bd0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..198e19e828308d1ab83473caf723dd2f9fe37dda
--- /dev/null
+++ b/chunks/txt/e49458c7bb25631fe57856a6f50405e8088d89e42c857ff1394dbe26e2534bd0.txt
@@ -0,0 +1,92 @@
+Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 19 of 23
+
+Sales Comparison Approach (continued)
+
+PG BRK
+
+Sales Comparison Map
+
+This is where the Sales Comparable Map would display.
+
+Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 20 of 23
+
+Sales Comparison Approach (continued)
+
+Sales Comparison Approach Exhibits
+
+Comparable #1
+
+Comparable #2
+
+This is where the Comparable 1 photo would display.
+
+This is where the Comparable 2 photo would display.
+
+Comparable #3
+
+This is where the Comparable 3 photo would display.
+
+Reconciliation
+
+Approaches to Value
+
+Indicated Value
+
+Reason for Exclusion
+
+Appraisal Summary
+
+Contract Price
+Opinion of Market Value
+Market Value Condition
+
+Sales Comparison Approach
+$775,000
+
+Income Approach
+
+Cost Approach
+
+Not Necessary for Credible Results
+
+Not Necessary for Credible Results
+
+$770,000
+$775,000
+As Is
+
+Reasonable Exposure Time
+Effective Date of Appraisal
+
+60-90 Days
+09/08/2019
+
+Reconciliation of Market Value
+
+Utilize this subsection for additional commentary as required by USPAP.
+
+Apparent Defects, Damages, Deficiencies
+
+None
+
+Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 21 of 23
+
+This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of
+assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions
+and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis
+necessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the
+certifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material
+alterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an
+appraisal organization, are permitted.
diff --git a/chunks/txt/e49f7889ab795ea2b12d31e75940c44db6ff08eceb44c67a79f7a0e332dd7f2c.txt b/chunks/txt/e49f7889ab795ea2b12d31e75940c44db6ff08eceb44c67a79f7a0e332dd7f2c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d94ddb91150e9a50e0f7b6f21ac0ecf54239d944
--- /dev/null
+++ b/chunks/txt/e49f7889ab795ea2b12d31e75940c44db6ff08eceb44c67a79f7a0e332dd7f2c.txt
@@ -0,0 +1,134 @@
+01=11th District cost of funds; 02=Other cost of funds;
+03=LIBOR; 04=1 year constant Treasury Rate; 99=Not
+an ARM
+Margin added to the index used for the calculation of
+the interest on an ARM. 9999=Not Applicable
+Date when prepayment penalty ends; report 9999-12-
+31 if not applicable
+1=Hispanic or Latino; 2=Not Hispanic or Latino;
+3=Information not provided; 4=Not applicable (First or
+primary borrower is an institution, corporation or
+partnership)
+1=American Indian or Alaska Native; 2=Asian; 3=Black
+or African American; 4=Native Hawaiian or other
+Pacific Islander; 5=White; 6=Information not provided;
+7=Not Applicable (borrower is an institution,
+corporation or partnership)
+
+47
+
+Borrower1Race3Type
+
+Race3
+
+Borrower1 Race3 Type
+
+48
+
+Borrower1Race4Type
+
+Race4
+
+Borrower1 Race4 Type
+
+49
+
+Borrower1Race5Type
+
+Race5
+
+Borrower1 Race5 Type
+
+50
+
+Borrower2EthnicityType
+
+CoEth
+
+Borrower2 Ethnicity Type
+
+51
+
+Borrower2Race2Type
+
+CoRace2
+
+Borrower2 Race2 Type
+
+52
+
+Borrower2Race3Type
+
+CoRace3
+
+Borrower2 Race3 Type
+
+53
+
+Borrower2Race4Type
+
+CoRace4
+
+Borrower2 Race4 Type
+
+54
+
+Borrower2Race5Type
+
+CoRace5
+
+Borrower2 Race5 Type
+
+55 HOEPALoanStatusType
+
+HOEPA
+
+HOEPA Loan Status Type
+
+56
+
+LienPriorityType
+
+LienStatus
+
+Lien Priority Type
+
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+
+AcqTyp
+Aff1
+Aff2
+Aff3
+Aff4
+Bed1
+Bed2
+Bed3
+Bed4
+CICA
+Coop
+FeatureID
+FedInsbltyPlan
+Geog
+GSEREO
+IncRat
+Rent1
+Rent2
+Rent3
diff --git a/chunks/txt/f60c8578bf8e176394ae3f9b725892d7c24060f8fa6245e7cc7345f4b34d0b61.txt b/chunks/txt/f60c8578bf8e176394ae3f9b725892d7c24060f8fa6245e7cc7345f4b34d0b61.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bc67954488409a5357be5ed0f6639de7591e1ac6
--- /dev/null
+++ b/chunks/txt/f60c8578bf8e176394ae3f9b725892d7c24060f8fa6245e7cc7345f4b34d0b61.txt
@@ -0,0 +1,192 @@
+8.0 Other Costs Table
+
+Table 100. Other Line Items
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0
+Value
+
+Notes
+
+8.17.1 HOA Special
+
+Assessment to
+_____
+
+…/FEE/FEE_PAID_T
+O/LEGAL_ENTITY/L
+EGAL_ENTITY_DETA
+IL
+
+FullName
+
+HOA Acre Inc.
+
+Payee company
+name
+
+8.17.2 Borrower-Paid At
+Closing ($)
+
+…/FEE/FEE_PAYME
+NTS/FEE_PAYMENT
+
+FeeActualPayment
+Amount
+
+500.00
+
+ROF as $500.00
+
+8.17.2 Borrower-Paid
+
+FeePaymentPaidBy
+Type
+
+Buyer
+
+ROF as “Borrower-
+Paid”
+
+8.17.2 At Closing
+
+false
+
+ROF as “At Closing”
+
+FeePaymentPaidOu
+tsideOfClosingIndic
+ator
+
+Second Instance of FEE
+
+N/A – GSE
+
+…/FEE/FEE_DETAIL
+
+FeePaidToType
+
+UID
+8.180
+
+ThirdPartyProvider Not shown –
+
+ATR/QM
+
+HomeInspectionFee ROF as “Home
+Inspection Fee”
+
+Home Inspection
+Fee
+
+OtherCosts
+
+FeeType
+
+@gse:DisplayLabelT
+ext
+
+IntegratedDisclosur
+eSectionType
+
+OptionalCostIndicat
+or
+
+false
+
+RegulationZPointsA
+ndFeesIndicator
+
+true
+
+FullName
+
+HOA Acre Inc.
+
+Not shown unless =
+“true”
+
+Not Shown –
+QM/ATR
+
+Payee company
+name
+
+…/FEE/FEE_PAID_T
+O/LEGAL_ENTITY/L
+EGAL_ENTITY_DETA
+IL
+
+8.17.2 Borrower-Paid At
+Closing ($)
+
+…/FEE/FEE_PAYME
+NTS/FEE_PAYMENT
+
+FeeActualPayment
+Amount
+
+150.00
+
+ROF as “$150.00”
+
+8.17.2 Borrower-Paid
+
+8.17.2 At Closing
+
+FeePaymentPaidBy
+Type
+
+Buyer
+
+ROF as “Borrower-
+Paid”
+
+false
+
+ROF as “At Closing”
+
+FeePaymentPaidOu
+tsideOfClosingIndic
+ator
+
+Third Instance of FEE
+
+UID
+8.180
+
+N/A - GSE
+
+…/FEE/FEE_DETAIL
+
+FeePaidToType
+
+ThirdPartyProvider Not shown –
+
+ATR/QM
+
+FeeType
+
+HomeWarrantyFee
+
+Appendix E: UCD Implementation Guide
+
+Page 140 of 254
+
+Version 1.4
+
+8.17
+
+Home Inspection
+Fee
+
+8.17 N/A-XML
diff --git a/chunks/txt/f612732e77dad8552cee7680856fbb7baa7a38953a30103d0f77e73e2379373c.txt b/chunks/txt/f612732e77dad8552cee7680856fbb7baa7a38953a30103d0f77e73e2379373c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9c4a89a7ad37c4edd9d8b72ff5ac23760016668d
--- /dev/null
+++ b/chunks/txt/f612732e77dad8552cee7680856fbb7baa7a38953a30103d0f77e73e2379373c.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/reports/fhfa-annual-performance-plan"
+date_accessed: "2026-01-27T17:54:20.434Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/f614d1dd77b9650189ddecf251f6658eb23bdd762c7f0a65e7d5b140668eb64d.txt b/chunks/txt/f614d1dd77b9650189ddecf251f6658eb23bdd762c7f0a65e7d5b140668eb64d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7988a90e1cb5c759b0422aaf1c341770a56dcd8f
--- /dev/null
+++ b/chunks/txt/f614d1dd77b9650189ddecf251f6658eb23bdd762c7f0a65e7d5b140668eb64d.txt
@@ -0,0 +1,146 @@
+Both
+
+X
+
+Both
+
+X
+
+X
+
+X
+
+Proprietary
+Findings will align
+with the GSE the
+report was
+requested from.
+
+GSE Investor
+
+gseInvestor
+
+Identifies the GSE to which the report pertains.
+
+Both
+
+X
+
+X
+
+X
+
+{GSE Investor appears as
+logo in top left of SSR; does
+not appear as discrete data
+point on PDF}
+
+Has the market value of
+the subject property
+decreased since the
+effective date of the
+original appraisal?
+
+propertyMarketValue
+DecreasedIndicator
+
+Indicates whether the market value of a property has
+decreased. Generally used when updating a previous
+appraisal report on the same property.
+
+Note: Appears only on the Restricted Appraisal
+Update Report.
+
+Last Submission
+Date/Time
+
+lastSubmissionDateTi
+me
+
+The last date and time when the document was
+received for a given sequence/document type.
+
+Lender Loan Number
+
+lenderLoanNumber
+
+The unique Loan Number assigned by the lender. The
+Lender Loan Number is provided by the submitter of
+
+© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.
+
+Both
+
+Both
+
+Both
+
+X
+
+X
+
+X
+
+X
+
+X
+
+PDF / JSON
+
+PDF / JSON
+
+PDF / JSON
+
+PDF / JSON
+
+X
+
+X
+
+PDF / JSON
+
+PDF / JSON
+
+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.
+
+PDF Data Point Name
+
+JSON SSR
+Field Name
+
+Definition / Description
+
+Appears on…
+[FNM, FRE, Both] *
+
+Report Type
+
+URAR
+
+Update
+Report
+
+Completion
+Report
+
+Format
+Type
+
+PDF / JSON
+
+Lender Name
+
+lenderName
+
+License ID
+
+licenseIdentifier
+
+License State
+
+licenseIssuingAuthorit
+yStateCode
+
+the first appraisal report submission and can be
+subsequently updated (i.e., corrected) by the
+submitter.
diff --git a/chunks/txt/f64e96f79925463e69c931b68ac6e1ae11187a908025ba09d5eb1462f613afa9.txt b/chunks/txt/f64e96f79925463e69c931b68ac6e1ae11187a908025ba09d5eb1462f613afa9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..28efd72612fe014d22fb0cbdae3a18406bfe1b6a
--- /dev/null
+++ b/chunks/txt/f64e96f79925463e69c931b68ac6e1ae11187a908025ba09d5eb1462f613afa9.txt
@@ -0,0 +1,53 @@
+Construction-to-Permanent Transactions
+
+The following construction-to-permanent transactions are permitted for the construction and permanent financing of a
+manufactured home:
+
+•
+
+single-closing transactions processed as a purchase or limited cash-out refinance, and
+
+•
+
+two-closing limited cash-out refinances. (Two-closing cash-out refinances are not permitted.)
+
+The loan must meet the requirements in Section B5-3.1, Conversion of Construction-to-Permanent Financing, and all other
+manufactured home requirements in this Guide.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 157 of 166
+
+UAD 3.6 Policy
+
+SB5-2-04, Manufactured Housing Pricing, Mortgage Insurance, and Loan
+Delivery Requirements (12/10/2025)
+
+Introduction
+
+This topic contains information about manufactured housing, including:
+
+Loan-Level Price Adjustments
+
+•
+• Mortgage Insurance
+•
+
+Loan Delivery Requirements
+
+Loan-Level Price Adjustments
+
+An LLPA applies to all mortgages secured by manufactured homes that do not meet the MH Advantage requirements, whether
+delivered to Fannie Mae for whole loan purchase or MBS issuance. These LLPAs are in addition to any other price adjustments
+that are otherwise applicable to the particular transaction. For the current LLPAs, see the Loan-Level Price Adjustment (LLPA)
+Matrix.
+
+Mortgage Insurance
+
+For mortgage insurance coverage requirements, see B7-1-02, Mortgage Insurance Coverage Requirements.
+
+Loan Delivery Requirements
+
+The following table describes the requirements for delivery of certain data elements that are applicable to manufactured homes.
+
+Manufactured Home Type
diff --git a/chunks/txt/f6613c290c6c3e01156f51df58d82fe705766240fd4a112bc2bc473efce982ae.txt b/chunks/txt/f6613c290c6c3e01156f51df58d82fe705766240fd4a112bc2bc473efce982ae.txt
new file mode 100644
index 0000000000000000000000000000000000000000..108e9294ba39dc3734bb3e2f357236e4b2298414
--- /dev/null
+++ b/chunks/txt/f6613c290c6c3e01156f51df58d82fe705766240fd4a112bc2bc473efce982ae.txt
@@ -0,0 +1,52 @@
+The boundaries of the subject
+neighborhood. These boundries may
+include but are not limited to streets,
+legally recognized neighborhood
+boundaries, waterways, or other natural
+boundaries that define the seperation of
+one neighborhood from another.
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_DemandSuppl
+yType='OverSupply']
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_TypicalMarket
+ingTimeDurationType='UnderThreeMonths']
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_TypicalMarket
+ingTimeDurationType='ThreeToSixMonths']
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_TypicalMarket
+ingTimeDurationType='OverSixMonths']
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING[@_T
+ype='Condominium']/@_LowPriceAmount
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING[@_T
+ype='Condominium']/@_HighPriceAmount
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING[@_T
+ype='Condominium']/@_PredominantPriceAmount
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING[@_T
+ype='Condominium']/@_NewestYearsCount
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING[@_T
+ype='Condominium']/@_OldestYearsCount
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_HOUSING[@_T
+ype='Condominium']/@_PredominantAgeYearsCount
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT_LAN
+D_USE[@_Type='SingleFamily']/@_Percent
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT_LAN
+D_USE[@_Type='TwoToFourFamily']/@_Percent
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT_LAN
+D_USE[@_Type='Apartment']/@_Percent
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT_LAN
+D_USE[@_Type='Commercial']/@_Percent
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/_PRESENT_LAN
+D_USE[@_Type='Other']/@_Percent
diff --git a/chunks/txt/f663c792978ba9f43db3f013b951acc8ab625ca0c48d710ee9b9b4bd16f1c568.txt b/chunks/txt/f663c792978ba9f43db3f013b951acc8ab625ca0c48d710ee9b9b4bd16f1c568.txt
new file mode 100644
index 0000000000000000000000000000000000000000..24ebe27fd3031df0baff8a7f98f23c36ae5c58ee
--- /dev/null
+++ b/chunks/txt/f663c792978ba9f43db3f013b951acc8ab625ca0c48d710ee9b9b4bd16f1c568.txt
@@ -0,0 +1,29 @@
+2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser’s analysis, opinions,
+statements, conclusions, and the appraiser’s certification.
+
+3. The appraiser identified in this appraisal report is either a sub-contractor or an employee of the supervisory appraiser (or the
+appraisal firm), is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable state law.
+
+4. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and
+promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal
+report was prepared.
+
+5. If this appraisal report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are
+defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this
+appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and
+valid as if a paper version of this appraisal report were delivered containing my original hand written signature.
+
+Signature______________________________________________
+Name 5 ______________________________________________
+Company Name 6 ______________________________________
+Company Address 7_____________________________________
+ 8a, 8b 8c ______________________________
+Telephone Number 9_____________________________________
+Email Address 10 _______________________________________
+Date of Signature and Report 11 ___________________________
+Effective Date of Appraisal 12 _____________________________
+State Certification # 13___________________________________
+or State License # 14 ____________________________________
+or Other (describe) 15 _______________ State # 16 __________
+State 17 ______________________________________________
+Expiration Date of Certification or License 18 _________________
diff --git a/chunks/txt/f6713d4f905404fa44b8fa477f3ec7f2c304fccb4fd44fe3d728dc382abf3704.txt b/chunks/txt/f6713d4f905404fa44b8fa477f3ec7f2c304fccb4fd44fe3d728dc382abf3704.txt
new file mode 100644
index 0000000000000000000000000000000000000000..14f83d319ecfa7e99e3636f376d5658601e21f1d
--- /dev/null
+++ b/chunks/txt/f6713d4f905404fa44b8fa477f3ec7f2c304fccb4fd44fe3d728dc382abf3704.txt
@@ -0,0 +1,88 @@
+Area Type Costs(s) 25.027
+
+o
+o Manufactured Home Delivery, Installation, and Setup 25.035 if
+
+applicable
+Subtract depreciation:
+
+•
+
+o
+o
+o
+
+o
+
+Outbuilding Physical Depreciation Amount 25.029
+Outbuilding Functional Depreciation Amount 25.031
+Outbuilding External Depreciation Amount 25.033
+OR
+Total Depreciation for Outbuilding 25.034
+
+As is Value of Site Improvements
+
+Site improvements may be provided individually or in aggregate.
+
+Note: For detached garages with no additional separate area which are reported in Vehicle Storage and not in
+Outbuilding, report the depreciated cost of the garage here. Example:
+
+Appendix F-1: URAR Reference Guide
+
+Page 317 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+25 Cost Approach
+
+Cost Approach: As Is Value of Site Improvements
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+25.037 Description
+
+Always required for
+each site improvement
+
+Free-form
+
+25.038 Amount
+
+Always required for
+each site improvement
+
+Dollar amount
+
+25.039 Total
+
+Always required
+
+Dollar amount
+
+Definition / Additional Guidance
+
+Site Improvement Description: A description of the improvement for which the
+As Is value is provided.
+Example:
+• Well, septic, fence, driveway and water frontage improvements could be
+
+displayed in aggregate on a single row, or on separate rows.
+
+As Is Value of Site Improvement Amount: The As Is amount of the site
+improvement as of the appraisal effective date. Provide individual costs if
+documented separately, or as a lump sum for aggregated site improvements.
+
+Total As Is Value of Site Improvements: The total value contributed by other As
+Is improvements located on the subject property.
+Calculated: The sum of all the As Is Value of Site Improvement Amounts 25.038
+Note: This amount redisplays at the top of the Cost Approach section 25.003.
diff --git a/chunks/txt/f686cfa2610d897e50e64e3748b6ddbc801b79d422fd8a0f6a30cba08b51018e.txt b/chunks/txt/f686cfa2610d897e50e64e3748b6ddbc801b79d422fd8a0f6a30cba08b51018e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0c7c922011f2db58312f3ad541ab4b203db5e870
--- /dev/null
+++ b/chunks/txt/f686cfa2610d897e50e64e3748b6ddbc801b79d422fd8a0f6a30cba08b51018e.txt
@@ -0,0 +1,33 @@
+DU Spec:
+
+26
+
+17. For FHA loans when should the FHA Sponsor Identifier be included in the submission file and
+
+when should the Lender Identifier be included?
+
+The FHA Lender ID is a code assigned by FHA to identify the originator making the underwriting
+request. If there are two FHA-approved lenders in the transaction, the ID for the originating lender
+should be included in the Lender ID field and the ID for the underwriting lender should be included in
+the Sponsor ID field. If the originating lender is not FHA-approved, the Lender ID field should be left
+blank. The ID for the FHA-approved underwriting lender should be included in the Sponsor ID field
+and the EIN for the originating lender should be included in the Sponsored Originator EIN field.
+
+FHA Sponsor ID is a code assigned by FHA to identify the FHA ID of the underwriting lender if they
+are acting in conjunction with an FHA approved originating lender or acting as a sponsor for a
+nonFHA lender. The FHA Sponsor ID is optional if an FHA-approved lender is identified in the
+Lender ID field and is performing both the originating and underwriting function on the transaction.
+
+The matrix below outlines when each data point should be included in the loan application submission
+file.
+
+18. Which three data points are used to indicate the Borrower’s Preferred Language in the loan
+
+application submission file?
+
+27
+
+The DU Spec includes three data points related to language prference: LanguageCode (UID 1.0181),
+ULAD:LanguageCodeOtherDescription (UID 1.0182), and ULAD:LanguageRefusalIndicator (UID 1.0183).
+If a LanguageCode is provided, the ULAD:LanguageRefusalIndicator is not expected and if provided will
+be ignored.
diff --git a/chunks/txt/f689e6c23804a21842d6d4693d7892e03543b5cab3808afd01d85f0d067ea4b5.txt b/chunks/txt/f689e6c23804a21842d6d4693d7892e03543b5cab3808afd01d85f0d067ea4b5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0a5497c520c57145b18e6f7f94ebbf7aa3d095f8
--- /dev/null
+++ b/chunks/txt/f689e6c23804a21842d6d4693d7892e03543b5cab3808afd01d85f0d067ea4b5.txt
@@ -0,0 +1,111 @@
+Overall Update Status for
+Flooring
+
+Detail
+Carpet
+
+Ceramic Tile
+
+Vinyl
+
+8 Ft. | Vaulted
+
+Fully Updated
+
+Quality Comment
+
+Condition Status
+New or Like New
+
+Bathroom flooring upgraded New or Like New
+
+Condition Comment
+
+New or Like New
+
+New or Like New
+
+Apparent Defects, Damages, Deficiencies (Unit Interior)
+
+None
+
+Unit Interior Exhibits
+
+Level 1 - Bedroom - Bedroom 1
+
+Level 1 - Bedroom - Bedroom 2
+
+Level 1 - Bedroom - Bedroom 3
+
+Level 1 - Dining Room - Dining Area
+
+Appraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1)
+
+Uniform Residential Appraisal Report
+
+Page 12 of 30
+Page 12 of 30
+
+Unit Interior (continued)
+
+Level 1 - Bath - Full - Bath 1
+
+Level 1 - Bath - Full - Bath 2
+
+Level 1 - Kitchen
+
+Level 1 - Living Room
+
+Level 1 - Utility Room
+
+This is where the Utility Room photo would display.
+
+Functional Obsolescence
+
+Functional Issues
+
+None
+
+Appraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1)
+
+Uniform Residential Appraisal Report
+
+Page 13 of 30
+Page 13 of 30
+
+Outbuilding - Barn
+
+Considered Real Property
+Units in Structure
+Gross Building Area
+
+Yes
+0
+800 Sq. Ft.
+
+Gross Building Area for the outbuilding includes area for vehicle storage,
+ADU(s), and any other uses
+
+Detail
+
+Heating
+Cooling
+
+Utilities
+
+Yes No
+ 
+ 
+
+The table below depicts the area of the outbuilding, excluding vehicle
+storage and any ADU(s)
+
+Finish
+Finished
+
+Unfinished
+
+Total Area
+0 Sq. Ft.
+
+800 Sq. Ft.
diff --git a/chunks/txt/f68f13da19d7ac0cbec2e613f58672b19df7ad803afbc443042876802e8faeb8.txt b/chunks/txt/f68f13da19d7ac0cbec2e613f58672b19df7ad803afbc443042876802e8faeb8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..93293a8512b229532d648cf72c6a82b5ca40f3c2
--- /dev/null
+++ b/chunks/txt/f68f13da19d7ac0cbec2e613f58672b19df7ad803afbc443042876802e8faeb8.txt
@@ -0,0 +1,29 @@
+Appraiser Reference ID 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1)
+
+Uniform Residential Appraisal Report
+
+Page 17 of 18
+Page 17 of 18
+
+Certifications
+
+Appraiser Certifications
+
+The Appraiser certifies and agrees that:
+
+1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective
+owners or occupants of the subject property, or other parties involved in this transaction.
+
+2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this
+report, or the demographics of the area where the property is located.
+
+3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that
+apply to the appraiser and to the assignment.
+
+4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity),
+age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present
+or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis
+prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law.
+
+5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to
+the assumptions and limiting conditions in this appraisal report.
diff --git a/chunks/txt/f6abaca8db970111157fc7d8db07bc2de6a45764622a9aa9e8d29d75b9166031.txt b/chunks/txt/f6abaca8db970111157fc7d8db07bc2de6a45764622a9aa9e8d29d75b9166031.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8bd1decb70f5e47709c64f9956249547058bdf23
--- /dev/null
+++ b/chunks/txt/f6abaca8db970111157fc7d8db07bc2de6a45764622a9aa9e8d29d75b9166031.txt
@@ -0,0 +1,109 @@
+Supervisory Appraiser
+Company Name
+
+Supervisor Company
+Name
+
+The unparsed address of the lender.
+Generally includes the street address,
+suite number, city, state and zip code.
+FORM SPECIFIC FIELD
+This is the actual value (Phone, Fax,
+E-Mail, Other) of the Contact Point
+Type.
+Name of the person who is
+responsible for reviewing or
+supervising the work or project.
+Name of the company with which the
+supervisor is associated.
+
+/VALUATION_RESPONSE/PARTIES/LENDE
+R/@AppraisalFormsUnparsedAddress
+
+/VALUATION_RESPONSE/PARTIES/LENDE
+R/CONTACT_DETAIL/CONTACT_POINT[@
+_Type='Email']/@_Value
+
+/VALUATION_RESPONSE/PARTIES/SUPER
+VISOR/@_Name
+
+/VALUATION_RESPONSE/PARTIES/SUPER
+VISOR/@_CompanyName
+
+APPRAISER
+CERTIFICATION
+
+Supervisory Appraiser
+Company Address
+
+Supervisor Street
+Address
+
+The street address of the supervisor.
+
+/VALUATION_RESPONSE/PARTIES/SUPER
+VISOR/@_StreetAddress
+
+APPRAISER
+CERTIFICATION
+
+APPRAISER
+CERTIFICATION
+
+APPRAISER
+CERTIFICATION
+
+Supervisory Appraiser
+Company Address
+(2nd line)
+Supervisory Appraiser
+Company Address
+(2nd line)
+Supervisory Appraiser
+Company Address
+(2nd line)
+
+Supervisor Postal
+Code
+
+APPRAISER
+CERTIFICATION
+
+Supervisory Appraiser
+Telephone Number
+
+Contact Point Value
+
+APPRAISER
+CERTIFICATION
+
+Supervisory Appraiser
+Email Address
+
+Contact Point Value
+
+Supervisor City
+
+The city in which the address of the
+supervisor is located.
+
+/VALUATION_RESPONSE/PARTIES/SUPER
+VISOR/@_City
+
+Supervisor State
+
+The state in which the address of the
+supervisor is located.
+
+/VALUATION_RESPONSE/PARTIES/SUPER
+VISOR/@_State
+
+The postal code (zip code in US) of
+the address of the supervisor. Zip
+code may be either 5 or 9 digits.
+This is the actual value (Phone, Fax,
+E-Mail, Other) of the Contact Point
+Type.
+This is the actual value (Phone, Fax,
+E-Mail, Other) of the Contact Point
+Type.
diff --git a/chunks/txt/f6b474ccdbd25b09eacb5d2ae923ac304a89abdbc015fa68b15a9c518350573a.txt b/chunks/txt/f6b474ccdbd25b09eacb5d2ae923ac304a89abdbc015fa68b15a9c518350573a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a934f169e212d431d5b6f8619cd461f596d884af
--- /dev/null
+++ b/chunks/txt/f6b474ccdbd25b09eacb5d2ae923ac304a89abdbc015fa68b15a9c518350573a.txt
@@ -0,0 +1,31 @@
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
+
+## Footer
+
+- [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
+
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/34906","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en","currentQuery":{"category":{"176":"176"}}},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"\/research":true,"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();
diff --git a/chunks/txt/f6b4a24a9a9270505c406569b685d507ae8e3103389b7b9313a541964498b761.txt b/chunks/txt/f6b4a24a9a9270505c406569b685d507ae8e3103389b7b9313a541964498b761.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7f3f409b42094e64b84ff2b69d232b42ec07c508
--- /dev/null
+++ b/chunks/txt/f6b4a24a9a9270505c406569b685d507ae8e3103389b7b9313a541964498b761.txt
@@ -0,0 +1,23 @@
+![Preview image for the video "FHLBank System at 100: Boston, MA Regional Roundtable".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E)
+ - Video
+
+March 21, 2023
+
+## [FHLBank System at 100: San Juan, PR Regional Roundtable](/news/videos/fhlbank-system-at-100-san-juan-pr-regional-roundtable)
+
+![Preview image for the video "FHLBank System at 100: San Juan, PR Regional Roundtable".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E)
+ - Video
+
+March 21, 2023
+
+## [FHLBank System at 100: Alaska Regional Roundtable](/news/videos/fhlbank-system-at-100-alaska-regional-roundtable)
+
+![Preview image for the video "FHLBank System at 100: Alaska Regional Roundtable".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E)
+ - Video
+
+March 21, 2023
+
+## [FHLBank System at 100: Hawaii and American Samoa Regional Roundtable](/news/videos/fhlbank-system-at-100-hawaii-and-american-samoa-regional-roundtable)
+
+![Preview image for the video "FHLBank System at 100: Hawaii and American Samoa Regional Roundtable".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E)
+ - Video
diff --git a/chunks/txt/f6bb21cbb36508071680bb051a23b99aecf301b7b3cdc5aac5ff8347ffbf14d2.txt b/chunks/txt/f6bb21cbb36508071680bb051a23b99aecf301b7b3cdc5aac5ff8347ffbf14d2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2f1cde276740f8355982498b12bb14d22cfab4cd
--- /dev/null
+++ b/chunks/txt/f6bb21cbb36508071680bb051a23b99aecf301b7b3cdc5aac5ff8347ffbf14d2.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/programs/enterprise-affordable-housing-goals"
+date_accessed: "2026-01-27T17:47:50.336Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/f6c9b208352a0c845432792a9acab205f62ddc6938e89252451d23a3848c77e9.txt b/chunks/txt/f6c9b208352a0c845432792a9acab205f62ddc6938e89252451d23a3848c77e9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..023f840266864b6e16ffc5d92f0826c242e812c0
--- /dev/null
+++ b/chunks/txt/f6c9b208352a0c845432792a9acab205f62ddc6938e89252451d23a3848c77e9.txt
@@ -0,0 +1,15 @@
+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 intended use, intended user,
+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 the certifications are also not permitted. However, additional certifications that do not constitute material alterations to
+this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an
+appraisal organization, are permitted.
+
+SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting
+requirements of this appraisal report form, including the following definition of market value, statement of assumptions and limiting
+conditions, and certifications. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the
+subject property including, but not limited to, property data based on interior and exterior property data collection, public and/or
+private data records, and information as described by the appraiser in the appraisal report, (2) research, verify, and analyze
+adequate and reliable data from public and/or private sources for the subject market area including data for each comparable
+property reported, and (3) report his or her analysis, opinions, and conclusions in this appraisal report.
diff --git a/chunks/txt/f6cda2ffefb5f341dd6d0fc4e6acb5b3e90140e9f0338a94932160ab7532e16d.txt b/chunks/txt/f6cda2ffefb5f341dd6d0fc4e6acb5b3e90140e9f0338a94932160ab7532e16d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..67688e5208512e0d29435711bac0352487f65472
--- /dev/null
+++ b/chunks/txt/f6cda2ffefb5f341dd6d0fc4e6acb5b3e90140e9f0338a94932160ab7532e16d.txt
@@ -0,0 +1,9 @@
+4d. Remove Certain Information That Contributed to Re-Identification .................................................. 5
+
+4e. Remove Certain Information That Contributed to Privacy Harm ....................................................... 5
+
+4f. Minimum Record Count Threshold ..................................................................................................... 6
+
+4g. Rounding ............................................................................................................................................. 6
+
+4h. Binning ................................................................................................................................................ 6
diff --git a/chunks/txt/f6d8cc0b0e75c9308c5c3d35a37214d64adc1a24153829b25267ecc9a7e27661.txt b/chunks/txt/f6d8cc0b0e75c9308c5c3d35a37214d64adc1a24153829b25267ecc9a7e27661.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b498909a0f09c721d559ef5fc32be0cdb9513c45
--- /dev/null
+++ b/chunks/txt/f6d8cc0b0e75c9308c5c3d35a37214d64adc1a24153829b25267ecc9a7e27661.txt
@@ -0,0 +1,112 @@
+10
+
+Enumerated
+
+Allowable Values PDF Display
+Neutral N
+Beneficial B
+Adverse A
+
+Data Field
+Conditionality
+
+R
+
+338
+
+3
+
+e-15
+
+SALES
+COMPARISON
+APPROACH
+
+Location
+
+GSE Location Type
+
+The type of location influences associated
+with the property.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_L
+OCATION_DETAIL_EXTENSION/COMPARISON_LOCATION_DETAIL_EX
+TENSION_SECTION[@ExtensionSectionOrganizationName='UNIFORM
+APPRAISAL
+DATASET']/COMPARISON_LOCATION_DETAIL_EXTENSION_SECTION_
+DATA/COMPARISON_LOCATION_DETAIL[@_SequenceIdentifier='1..2']/@
+GSELocationType
+
+20
+
+Enumerated
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+The allowable values are listed below. When representing these values in the XML file,
+they must be shown exactly as they appear below:
+
+Allowable Values PDF Display
+Residential Res
+Industrial Ind
+Commercial Comm
+BusyRoad BsyRd
+WaterFront WtrFr
+GolfCourse GlfCse
+AdjacentToPark AdjPrk
+AdjacentToPowerLines AdjPwr
+Landfill Lndfl
+PublicTransportation PubTrn
+Other *
+
+*See field e-16 directly below.
+
+339
+
+340
+
+3
+
+3
+
+e-16
+
+23
+
+SALES
+COMPARISON
+APPROACH
+
+Location
+
+GSE Location Type
+Other Description
+
+Text entry when 'Other' is selected as
+Location Type.
+
+SALES
+COMPARISON
+APPROACH
+
+Leasehold/Fee Simple
+
+Sale Price
+Adjustment
+Description
+
+A free form text field used to further
+describe the property feature which is
+identified by Sales Price Adjustment
+Type. (i.e. Location, Condition, etc.)
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_L
+OCATION_DETAIL_EXTENSION/COMPARISON_LOCATION_DETAIL_EX
+TENSION_SECTION[@ExtensionSectionOrganizationName='UNIFORM
+APPRAISAL
+DATASET']/COMPARISON_LOCATION_DETAIL_EXTENSION_SECTION_
+DATA/COMPARISON_LOCATION_DETAIL/.[@GSELocationType='Other']/@
+GSELocationTypeOtherDescription
diff --git a/chunks/txt/f6db6a9a1f40eb0cb042a203dde041bfdaf7e2eefe3c6e98ba8a330c3a92e414.txt b/chunks/txt/f6db6a9a1f40eb0cb042a203dde041bfdaf7e2eefe3c6e98ba8a330c3a92e414.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6ca936c2cfc4abf3eb21f7c6f84f66d785723179
--- /dev/null
+++ b/chunks/txt/f6db6a9a1f40eb0cb042a203dde041bfdaf7e2eefe3c6e98ba8a330c3a92e414.txt
@@ -0,0 +1,140 @@
+4
+Vacant
+5
+4
+1
+
+Area
+720 Sq. Ft.
+
+72 Sq. Ft.
+
+1,248 Sq. Ft.
+
+1,224 Sq. Ft.
+
+836 Sq. Ft.
+
+Room Summary
+1 - Bath - Full
+1 - Bedroom
+1 - Den
+
+1 - Bath - Half
+1 - Dining Room
+1 - Family Room
+1 - Kitchen
+1 - Living Room
+
+2 - Bath - Full
+3 - Bedroom
+
+1 - Bath - Full
+1 - Bedroom
+
+Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 7 of 22
+
+Unit Interior (continued)
+
+Quality and Condition
+
+Interior Quality Rating
+
+Q2
+
+Interior Condition Rating
+
+C3
+
+The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report
+
+Kitchen and Bathroom Details
+
+Room
+Kitchen
+Level 1
+
+Bath - Full
+Level B1
+
+Bath - Full
+Level 2
+
+Bath - Full
+Level 2
+
+Bath - Full
+Level 3
+
+Bath - Half
+Level 1
+
+Update Status
+Not Updated
+
+Time Frame
+
+Not Updated
+
+Not Updated
+
+Not Updated
+
+Not Updated
+
+Not Updated
+
+Quality Comment
+Kitchen includes
+commercial grade
+appliances and granite
+countertops
+
+Ceramic tile and
+upgraded fixtures
+
+Condition Status
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+Ceramic tile and
+upgraded fixtures
+
+Typical Wear and Tear
+
+Ceramic tile and
+upgraded fixtures
+
+Typical Wear and Tear
+
+Bathroom includes
+upgraded marble tile
+and high-end fixtures.
+
+Typical Wear and Tear
+
+Ceramic tile and
+upgraded fixtures
+
+Typical Wear and Tear
+
+Condition Comment
+Materials have minimal
+depreciation and
+appear to be well-
+maintained.
+
+Materials have minimal
+depreciation and
+appear to be well-
+maintained.
+
+Materials have minimal
+depreciation and
+appear to be well-
+maintained.
diff --git a/chunks/txt/f6dd6c75765fd2cdb6aaca9b14443d09150f4daf4496d7325d5e3a9949f11a42.txt b/chunks/txt/f6dd6c75765fd2cdb6aaca9b14443d09150f4daf4496d7325d5e3a9949f11a42.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4da1c90652cc2b30ac9227ea52079a276532255d
--- /dev/null
+++ b/chunks/txt/f6dd6c75765fd2cdb6aaca9b14443d09150f4daf4496d7325d5e3a9949f11a42.txt
@@ -0,0 +1,86 @@
+The following table describes how to determine the value of the land based on when and how the borrower acquired the land.
+
+Date of Land Purchase
+
+Value of the Land
+
+Documentation
+Requirements
+
+More than 12 months
+preceding the loan
+application.
+
+The current appraised
+value.
+
+None.
+
+12 or fewer months
+preceding the date of the
+loan application.
+
+The lesser of the sales price
+or the current appraised
+value.
+
+The lender must document
+the borrower’s cash
+investment by obtaining:
+
+• a copy of the
+settlement
+statement,
+
+• a copy of the
+
+warranty deed that
+shows there are no
+outstanding liens
+against the
+property, or
+
+• a copy of the release
+of any prior liens(s).
+
+The borrower acquired the
+land at any time as a gift,
+
+The current appraised
+
+The lender must obtain
+appropriate documentation
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 153 of 166
+
+UAD 3.6 Policy
+
+Date of Land Purchase
+
+Value of the Land
+
+Documentation
+Requirements
+
+inheritance, or other non-
+purchase transaction.
+
+value.
+
+to verify the acquisition and
+transfer of ownership of the
+land.
+
+Trade Equity from the Borrower’s Existing Manufactured Home
+
+Trade equity from the borrower’s existing manufactured home may be used as part of the borrower’s minimum down
+payment requirement. The maximum equity contribution from the traded manufactured home is 90% of the retail value for
+the traded manufactured home based on the NADA Manufactured Housing Appraisal Guide except:
+
+•
+
+If the borrower has owned the traded manufactured home for less than 12 months preceding the date of the loan
+application, the maximum equity contribution is the lesser of 90% of the retail value or the lowest price at which the
+home was sold during that 12 month period.
diff --git a/chunks/txt/f6e3451d0d933b8e07b8ce94470700225682ff096585d14d98419a1b6ca50c48.txt b/chunks/txt/f6e3451d0d933b8e07b8ce94470700225682ff096585d14d98419a1b6ca50c48.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b849cba677acfda9ea64e588502601b50690ba1a
--- /dev/null
+++ b/chunks/txt/f6e3451d0d933b8e07b8ce94470700225682ff096585d14d98419a1b6ca50c48.txt
@@ -0,0 +1,53 @@
+6 points space from TAB – “Planned Unit Development” “Condominium”
+“Cooperative” “Condop” set 9/11 Myriad Pro Bold x 45 picas, 6 points space
+to checkboxes; 1 pica 6 points between each; sets initial cap.
+
+CK-TAB
+
+Appendix E: Report Style Guide
+
+Page 26 of 90
+
+Version 1.4
+
+CK-1I – Checkbox one column Indented
+
+TEXT
+
+9/11 Myriad Pro Regular x 22 picas; no extra space above.
+
+INDENT Align left and text indent 1 pica.
+
+CK-1I
+
+NOTES
+
+Checkboxes set 12-point Wingdings2 “R”, unchecked boxes set 12-point
+Wingdings2 “#” with 7 points space between; sets sentence case; Y/N
+above.
+
+Wingdings may be used as an alternative. The goal is to match the PDFs
+provided in the report layouts (Appendix C-1, C-2, C-3) and sample
+scenarios (Appendix D-1, D-2, D-3).
+
+• Tables do not break from page to page UNLESS they are more than one full page long. In this case, the
+table only breaks before a major table heading (TB_sub-H1, TB-SCA_sub-H1, TB-SCA_H2). Regular text
+follows below the table on the same page. Table column heads repeat on subsequent pages.
+
+• Standard tables (meaning most tables) set in one page-column width (22 picas) or two page-column width
+
+(45 picas).
+
+• Column widths are equal, unless noted in Part 2. Specific Section Details.
+
+• All rules in standard tables are ½ point and 50% black. Rules set top and bottom, and interior verticals
+
+only.
+
+• Outermost cells, left and right, do not take a vertical rule unless otherwise noted in Part 2. Specific Section
+
+Details.
+
+• Table column heads (TCH) only take rule below (no vertical rules between or rule above).
+
+• Table text (TB) indents left and right 4 points, 3 points top and bottom from edge of cell.
diff --git a/chunks/txt/f6ea06d4153bbb212d871c55213fc3268e000457fa64f35a9f8a7488929502dd.txt b/chunks/txt/f6ea06d4153bbb212d871c55213fc3268e000457fa64f35a9f8a7488929502dd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7dbdd03d67fa3a25cc51ade254e6b9aa5c458aa3
--- /dev/null
+++ b/chunks/txt/f6ea06d4153bbb212d871c55213fc3268e000457fa64f35a9f8a7488929502dd.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\/2581","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();
diff --git a/chunks/txt/f6f4994c99d648566f158e2480c0513cde2452a8c0eb0c6692589c25d242a736.txt b/chunks/txt/f6f4994c99d648566f158e2480c0513cde2452a8c0eb0c6692589c25d242a736.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f44b87e320297b6f2607b711dd0c104f7a661013
--- /dev/null
+++ b/chunks/txt/f6f4994c99d648566f158e2480c0513cde2452a8c0eb0c6692589c25d242a736.txt
@@ -0,0 +1,7 @@
+Reconciliation of Market Value (H1) ................................................................................................................... 74
+
+Apparent Defects, Damages, Deficiencies (H1) .................................................................................................. 74
+
+Reconciliation Exhibits (H1) ................................................................................................................................ 76
+
+Revision History ............................................................................................................................................ 76
diff --git a/chunks/txt/f708c5f4d63fedda0f5a0dc694254b3b77410591b98d3c3741723a0d274c511d.txt b/chunks/txt/f708c5f4d63fedda0f5a0dc694254b3b77410591b98d3c3741723a0d274c511d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f92cdcc0fbad872153440685b63f7b7854513176
--- /dev/null
+++ b/chunks/txt/f708c5f4d63fedda0f5a0dc694254b3b77410591b98d3c3741723a0d274c511d.txt
@@ -0,0 +1,3 @@
+Table Column Headers ........................................................................................................................................................................................................... 5
+
+Document Conventions ......................................................................................................................................................................................................... 6
diff --git a/chunks/txt/f71bc993daf6af98cca03512a2c72e444c83a120ea698a01f46f0832f4c7f090.txt b/chunks/txt/f71bc993daf6af98cca03512a2c72e444c83a120ea698a01f46f0832f4c7f090.txt
new file mode 100644
index 0000000000000000000000000000000000000000..84607fc639ad381762df7118dc3feada7d992ac4
--- /dev/null
+++ b/chunks/txt/f71bc993daf6af98cca03512a2c72e444c83a120ea698a01f46f0832f4c7f090.txt
@@ -0,0 +1,69 @@
+Reporting Format:
+Total Financial Assistance – Currency, whole
+dollars only (if applicable) Description of
+Analysis of Financial Assistance – Text
+The PDF creator will automatically insert a
+semicolon to separate the data values.
+
+Examples:
+$5000;There is a financial assistance amount
+that is unknown.;
+Down payment assistance, plus furniture of
+unknown value.
+$5000; Down payment assistance.
+
+Note: Financial assistance or concessions
+paid by any party on behalf of the borrower
+include both monetary and non-monetary
+
+Page 17 of 68
+
+Appendix A: GSE Appraisal Forms Mapping
+
+Document Version 1.5
+
+© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.
+
+This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at
+the direction of the Federal Housing Finance Agency.
+
+Neighborho
+od Section
+
+items, including below-market-rate mortgage
+financing, gifts of personal property, payment
+of property taxes and/or HOA dues for a
+period of time, etc.
+
+One-Unit Housing Trends
+
+• 1004/70
+
+REQUIREMENT
+
+• 1004 Hybrid/70H
+
+• 1004 Desktop/70D
+
+• 2055/2055
+
+•
+
+Property Values
+The appraiser must indicate whether property
+values for one-unit housing in the subject’s
+neighborhood are increasing, stable, or
+declining. Only one selection is permitted.
+
+Demand/Supply
+The appraiser must indicate whether the
+demand/supply of one-unit housing in the
+subject property’s neighborhood is in shortage,
+in balance, or over supply. Only one selection
+is permitted.
+
+Marketing Time
+The appraiser must indicate whether the
+marketing time for one-unit housing is under 3
+mths, 3– 6 mths, or over 6 mths. Only one
+selection is permitted.
diff --git a/chunks/txt/f71bfcc748b1738bbcd965fb5cbfe3d3d7c29030ba701dd8024ca170acb4e842.txt b/chunks/txt/f71bfcc748b1738bbcd965fb5cbfe3d3d7c29030ba701dd8024ca170acb4e842.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0d000e775037bd81cf8faaca1d91b76acb5684fb
--- /dev/null
+++ b/chunks/txt/f71bfcc748b1738bbcd965fb5cbfe3d3d7c29030ba701dd8024ca170acb4e842.txt
@@ -0,0 +1,86 @@
+Appendix E: UCD Implementation Guide
+
+Page 59 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+4.0 LOAN TERMS
+
+4.0 Loan Terms
+
+The Loan Terms table is included in the following Closing Disclosure Variations:
+
+Table 43. Required Sections for each Closing Disclosure Variation -- UPDATED
+
+Form
+Field ID
+
+Form Section Name
+
+Purchase Transactions Only
+
+Model Form
+
+Split-Borrower Only
+
+Non-Seller Transactions
+Only Alternate Form
+
+4.0
+
+Loan Terms Table
+
+✓
+
+✓
+
+✓
+
+4.0 Loan Terms is a summary table where borrowers can identify the key loan terms. Loan Terms reflects the
+borrower’s legal obligation to the creditor, based on information that is known or should reasonably be known
+by the creditor at time of disclosure.
+
+Figure 30 shows the Loan Terms table, which provides information about:
+
+1. Loan amount - whether, when, and how high it can increase
+
+2.
+
+Interest rate - whether, when and how high it can increase
+
+3. Periodic principal and interest (P&I) payment – whether, when, and how high it can increase
+
+4. Prepayment penalty – whether, when, and how high it can increase
+
+5. Balloon payment -amount and when it must be paid.
+
+4.0 Loan Terms
+
+Can this amount increase after closing? If yes:
+
+4.1 Loan Amount
+
+4.1.1 $162,000 4.1.2 NO/YES
+
+4.1.3 • Can go / Goes as high as $220,000.
+• Can increase / Increases until year 4
+
+4.2 Interest Rate
+
+4.2.1 3.875%
+
+4.2.2 NO/YES
+
+4.2.3 • Adjusts every 3 years starting in year 6
+
+• Can go / Goes as high as 12% in year 14
+
+• Can increase / Increases loan term to 35 years
+
+• See AIR T able on page 4 for details
+
+4.3 Monthly Principal & Interest
+See Projected Payments below for your
+Estimated Total Monthly Payment
diff --git a/chunks/txt/f7248b1e78320c364877c41184646eaaa8fc7a8697ad75e62df1a4a3375ab251.txt b/chunks/txt/f7248b1e78320c364877c41184646eaaa8fc7a8697ad75e62df1a4a3375ab251.txt
new file mode 100644
index 0000000000000000000000000000000000000000..732e4ecb30fea36ce0688b5b5409f97c2de4555f
--- /dev/null
+++ b/chunks/txt/f7248b1e78320c364877c41184646eaaa8fc7a8697ad75e62df1a4a3375ab251.txt
@@ -0,0 +1,116 @@
+The location of the rowhouse / townhouse when there are other properties
+above or below.
+•
+Top Unit
+• Middle Unit
+•
+Bottom Unit
+
+Year Built and Construction Method
+
+Dwelling Exterior: Year Built and Construction Method
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+8.010
+
+Year Built
+
+Always required
+
+yyyy
+
+Definition / Additional Guidance
+
+Year Built: The calendar year in which the original construction of the structure
+was completed.
+
+Examples:
+•
+
+Dwelling was started in 2024 and completed in 2025. The year the
+structure was completed (2025) would be reported.
+Dwelling was originally built in 1950, and an addition constructed in 2002.
+The year of the original part of the structure (1950) would be reported.
+
+•
+
+8.010
+
+Year Built
+
+Always required
+
+Yes | No
+
+Year Built Estimated: Indicates whether Year Built is an estimate.
+Note:
+•
+
+If Year Built is unknown or unavailable to the appraiser in the normal
+course of business, estimate the year the structure was built.
+If Yes, Year Built displays with a tilde (~).
+
+•
+
+Appendix F-1: URAR Reference Guide
+
+Page 96 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+08 Dwelling Exterior
+
+Dwelling Exterior: Year Built and Construction Method
+
+Report
+Field ID
+
+8.011
+
+Report Label
+
+When to Include
+
+Construction
+Method
+
+Required if Structure
+Design is not High-rise,
+Mid-rise, or Low-rise
+
+Allowable
+Answers / Format
+
+Choose one or
+more allowable
+answers from
+table
+(Construction
+Method)
+
+Definition / Additional Guidance
+
+•
+Container
+• Manufactured
+• Modular
+•
+•
+•
+•
+
+On-Frame Modular
+Site Built
+3D Technology
+Other (Describe)
diff --git a/chunks/txt/f749be4b4edb7300f80f54a1b6e0a87322809b87167ab486558b2b23ed5a2518.txt b/chunks/txt/f749be4b4edb7300f80f54a1b6e0a87322809b87167ab486558b2b23ed5a2518.txt
new file mode 100644
index 0000000000000000000000000000000000000000..936f013d10c96eb09ab844ec5f5bf7816ede527a
--- /dev/null
+++ b/chunks/txt/f749be4b4edb7300f80f54a1b6e0a87322809b87167ab486558b2b23ed5a2518.txt
@@ -0,0 +1,158 @@
+Sales Comparison Approach Exhibits
+
+Comparable #
+
+Comparable #
+
+Comparable #
+
+Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024
+
+Rental Information
+
+Rent Schedule
+
+Subject Property Rental Information
+
+Currently
+Rented
+
+Occupancy
+
+Monthly
+Rent
+
+Month-to-
+Month
+
+Lease Start
+
+Rent
+Control
+
+Rent
+Concessions
+
+Utilities/
+Services
+Included
+
+Furnished
+
+[Unit
+Identifier]
+
+Description of Rent Control and Impact to Value/Marketability
+
+Actual Income (Monthly)
+
+Rent
+
+[Unit Identifier]
+
+Opinion of Market Income (Monthly)
+
+Rent
+
+[Unit Identifier]
+
+Subtotal
+
+Subtotal
+
+Other Real Property Rental Income
+
+Other Real Property Rental Income
+
+Subtotal
+
+Total
+
+Comparable Rental Properties
+
+Subtotal
+
+Total
+
+Subject Property
+
+Comparable #
+
+Comparable #
+
+Comparable #
+
+Comparable #
+
+Comparable #
+
+Data Source:
+
+Data Source:
+
+Data Source:
+
+Data Source:
+
+Data Source:
+
+Lease Start Date:
+
+Lease Start Date:
+
+Lease Start Date:
+
+Lease Start Date:
+
+Lease Start Date:
+
+Actual Rent:
+
+Actual Rent:
+
+Actual Rent:
+
+Actual Rent:
+
+Actual Rent:
+
+Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024
+
+Comparable Rental Analysis
+
+Subject
+[Unit
+Identifier]
+
+Comparables
+
+#
+
+#
+
+#
+
+Subject
+[Unit
+Identifier]
+
+Comparables
+
+#
+
+#
+
+#
+
+Proximity to Subject
+
+Neighborhood Name
+
+Project Name
+
+Project Common
+Amenities/Services
+
+Site Influence
+
+View from Unit
diff --git a/chunks/txt/f759cb01c44ceeb0bf1ef2fffbf68c0722611c6dbfb6b322be9b2677f27eef69.txt b/chunks/txt/f759cb01c44ceeb0bf1ef2fffbf68c0722611c6dbfb6b322be9b2677f27eef69.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f1c5c8f499fce939d067213c8e1ff7f25806bf3f
--- /dev/null
+++ b/chunks/txt/f759cb01c44ceeb0bf1ef2fffbf68c0722611c6dbfb6b322be9b2677f27eef69.txt
@@ -0,0 +1,145 @@
+ABC Mortgage Company
+456 Somewhere Ave
+Sometown, NV 55555
+
+Company Name
+
+Company Address
+
+Appraiser
+
+Name
+Company Name
+Company Address
+
+ZYX Appraisal Management
+Company
+123 Main St
+Somecity, IA 40121
+
+Credentials
+
+ID
+State
+Expires
+
+222222
+MD
+12/15/2020
+
+Amy Appraiser
+XYZ Appraisal Company
+22 A St NE
+Washington DC 10001
+
+Credentials
+
+Level
+ID
+State
+Expires
+
+Licensed Residential Appraiser
+3333333333
+MD
+02/21/2021
+
+Scope of Inspection by Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date
+
+Physical
+Physical
+08/07/2019
+
+Subject Property
+
+Physical Address
+
+County
+Neighborhood Name
+
+1234 Anywhere Pl
+Anyplace, MD 20854
+River
+Three Trees
+
+Attachment Type
+Units Excluding ADUs
+Accessory Dwelling Units
+Special Tax Assessments
+
+Attached
+1
+0
+No
+
+Planned Unit Development (PUD)
+Condominium
+Cooperative
+Condop
+Property on Native American Lands
+Subject Site Owned in Common
+Homeowner Responsible for all Exterior Maintenance
+of Dwelling(s)
+New Construction
+
+Yes No
+ 
+ 
+ 
+ 
+ 
+ 
+ 
+
+ 
+
+Ownership Rights
+
+Property Rights Appraised
+
+Fee Simple
+
+All Rights Included in Appraisal
+
+Yes
+
+Legal Description
+
+Block H Lot XX of Wheel of Fortune
+
+Appraiser Reference ID LN1265431Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)
+
+Uniform Residential Appraisal Report
+
+Page 3 of 22
+
+Site
+
+Total Site Size
+
+1,765 Sq. Ft.
+
+Number of Parcels
+
+1
+
+Assessor Parcel Number (APN)
+160403459625-67
+
+APN Description
+Land with Dwelling
+
+Parcel Size
+1,765 Sq. Ft.
+
+Zoning
+
+Compliance
+Classification Code
+Classification Code Description
diff --git a/chunks/txt/f774154fc41f1410f721de8cbc6fa4e3fe58ea3a98932fc453d1c6e8892d843b.txt b/chunks/txt/f774154fc41f1410f721de8cbc6fa4e3fe58ea3a98932fc453d1c6e8892d843b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e62d7c66a567cf7576c01ac86d649042f4d3b5e6
--- /dev/null
+++ b/chunks/txt/f774154fc41f1410f721de8cbc6fa4e3fe58ea3a98932fc453d1c6e8892d843b.txt
@@ -0,0 +1,41 @@
+• Dwelling Exterior
+
+o Provide guidance for Front Door Elevation, specifically the “Notes” and “Examples” sections
+
+in Appendix F URAR Reference Guide.
+
+o Provide instructions for explanations regarding how Condition Status is to be filled out when
+
+a Recommended Action has been assigned to the Apparent Defects, Damages, and
+Deficiencies subsection.
+
+o Provide definitions for Noncontinuous Finished Area.
+
+• Unit Interior
+
+o Provide instructions for Levels in Unit and Level and Room Detail.
+
+Appendix B-1 URAR Implementation Guide - Supplement - Usability and Implementation Guidance v1.0
+
+Page 5
+
+o Provide definitions for Overall Update Status for Bathrooms and Overall Update Status for
+
+Flooring.
+• Sales Comparison Approach
+
+o Provide guidance around Key Concepts in the Reference Guide.
+
+▪ Fields that are Not Applicable.
+▪ General Guidance on Dynamic Rows.
+▪ Adjustments (overall/rollup adjustments vs line-item adjustments).
+
+5. Provide the user access to the Quality and Condition rating definitions provided by the GSEs in Appendix F-
+
+1 URAR Reference Guide on the Fannie Mae UAD and Freddie Mac UAD pages.
+Purpose: Quality and Condition ratings describe the physical quality and condition of a property as of the
+effective date of the appraisal on an absolute basis, not on a relative basis or how a property relates to other
+properties. Linking to this information provides easy access to the reference guide for selecting the
+appropriate quality and condition ratings based on the criteria defined.
+
+6. Check that the section commentary and discrete data fields are used as intended.
diff --git a/chunks/txt/f78f22303ff660640302a63a5c0e8fb7fda8d0e26c01de84bb38b8e5c61bc199.txt b/chunks/txt/f78f22303ff660640302a63a5c0e8fb7fda8d0e26c01de84bb38b8e5c61bc199.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b1836bd43a3f6cfd8e666d4bd689ba0d681f14f6
--- /dev/null
+++ b/chunks/txt/f78f22303ff660640302a63a5c0e8fb7fda8d0e26c01de84bb38b8e5c61bc199.txt
@@ -0,0 +1,32 @@
+HomeStyle® Energy
+
+Selling Guide Announcement SEL-2022-10 expanded the list of exceptions to the home energy report and clarified that lenders are
+only required to verify, and retain documentation in the loan file, that an improvement is on the EPA ENERGY STAR-certified
+product list. The DU message reminding lenders of the HomeStyle Energy requirements will be updated to specify when an
+energy report is and is not required.
+
+Homeownership Education and Counseling
+
+Selling Guide Announcement SEL-2022-10 updated the requirements of the permanent loan file to include a copy of the
+Supplemental Consumer Information Form (Form 1103), which includes information about housing counseling and education. The
+DU homeownership education and counseling messages will be updated to clarify education and counseling options, as well as
+documentation requirements.
+
+Special Feature Code Update
+
+Lender Letter LL-2022-05 was updated on Feb. 1, 2023, and removed the requirement for delivery of Special Feature Code (SFC)
+873. DU will continue to issue the message indicating when a first-time homebuyer case is eligible for an LLPA waiver, but will no
+longer issue SFC 873.
+
+© 2023 Fannie Mae.
+
+3.24.23
+
+2 of 3
+
+Cash-out Refinance Transactions
+
+Selling Guide Announcement SEL-2023-01 implemented new eligibility requirements for cash-out refinance transactions to
+require that any existing first mortgage being paid off through the transaction be at least 12 months old as measured from the
+note date of the existing loan to the note date of the new loan. The DU message issued on all cash-out refinance transactions will
+be updated to remind lenders of these requirements.
diff --git a/chunks/txt/f7914a2ab295c3d7051d553413a740de575f8a955e3b8292d898c5d81591f182.txt b/chunks/txt/f7914a2ab295c3d7051d553413a740de575f8a955e3b8292d898c5d81591f182.txt
new file mode 100644
index 0000000000000000000000000000000000000000..05f6c67303f0e507b522953e8f7b5b000b149ea5
--- /dev/null
+++ b/chunks/txt/f7914a2ab295c3d7051d553413a740de575f8a955e3b8292d898c5d81591f182.txt
@@ -0,0 +1,309 @@
+YearBuilt
+
+0
+
+HeatingSystem
+
+-44300
+
+LivingUnitStandardFinishedAreaAboveGrade
+
+17000
+
+OverallConditionRating
+
+10000
+
+OutdoorLivingAmenity
+
+9000
+
+VehicleStorage
+
+-5000
+
+Outbuilding
+
+0
+
+Outbuilding
+
+433700
+
+SouthEast
+
+Less
+
+false
+
+153
+
+3
+
+9.09
+
+88700
+
+false
+
+Radon
+
+Dwelling
+
+1981
+
+false
+
+MultiWide
+
+2250
+
+0
+
+false
+
+3
+
+2
+
+0
+
+C4
+
+Q4
+
+Formica Countertops | Vinyl Floor
+
+NotUpdated
+
+Formica Countertops | Vinyl Floor
+
+Kitchen
+
+NotUpdated
+
+Manufactured
+
+EngineeredWood
+
+DamagedAndFunctional
+
+ExteriorWallsAndTrim
+
+CrawlSpace
+
+Other
+
+Pier with Tie Down
+
+Foundation
+
+true
+
+Composition
+
+DamagedAndFunctional
+
+Roof
+
+C5
+
+Q4
+
+1
+
+Propane
+
+ForcedWarmAir
+
+Outbuilding
+
+true
+
+Workshop
+
+0
+
+500
+
+PropertyPhoto
+
+\\Images\MH1_Comp3.png
+
+image/png
+
+406
+
+345000
+
+SettledSale
+
+25.165170
+
+-51.328128
+
+Magic Hill
+
+1
+
+IndoorFireplace
+
+WholeHome
+
+0
+
+Detached
+
+1
+
+true
+
+1
+
+C3
+
+Q4
+
+false
+
+true
+
+FeeSimple
+
+false
+
+false
+
+false
+
+MineralRights
+
+false
+
+false
+
+2018-03-30
+
+2019-05-10
+
+345000
+
+Sale
+
+ShortSale
+
+FEMASpecialFloodHazardArea
+
+Gravel
+
+Rural
+
+false
+
+Park
+
+River
+
+false
+
+BodyOfWater
+
+1
+
+Full
+
+Woods
+
+222 Canal Blvd
+
+Anywhere City
+
+20141
+
+VA
+
+Driveway
+
+Gravel
+
+5
+
+false
+
+Detached
+
+Garage
+
+2
+
+0
+
+SalesConcessions
+
+0
+
+ContractDate
+
+0
+
+SaleDate
+
+-25000
+
+SiteSize
+
+-5000
+
+NeighborhoodName
+
+-10000
+
+PropertyStreetAccessAndSurface
+
+-10000
+
+SiteInfluence
+
+0
+
+ApparentEnvironmentalCondition
+
+-3000
+
+View
+
+15000
+
+WaterFrontage
+
+0
+
+YearBuilt
+
+20800
+
+LivingUnitStandardFinishedAreaAboveGrade
+
+7000
+
+OverallConditionRating
+
+-10000
+
+OverallQualityRating
+
+10000
+
+OutdoorLivingAmenity
+
+1500
+
+WholeHomeAmenity
+
+5000
+
+Outbuilding
+
+0
+
+Outbuilding
diff --git a/chunks/txt/f7a108f145b6f570e60b7c28d6e47cf9665871cf3113b3090883da49fff6534b.txt b/chunks/txt/f7a108f145b6f570e60b7c28d6e47cf9665871cf3113b3090883da49fff6534b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1931c0e2008f1fc64a001dc134839e35fec7ee72
--- /dev/null
+++ b/chunks/txt/f7a108f145b6f570e60b7c28d6e47cf9665871cf3113b3090883da49fff6534b.txt
@@ -0,0 +1,325 @@
+.PARTIES
+..APPRAISER
+...CONTACT_DETAIL
+.…CONTACT_POINT
+Contact Point Type**
+
+Contact Point Value**
+
+T
+R
+CR
+CR
+T
+T
+T
+T
+T
+
+R
+T
+T
+
+R
+
+T
+T
+T
+T
+T
+T
+
+T
+T
+
+T
+R
+CR
+CR
+T
+T
+T
+T
+T
+
+R
+R
+R
+
+R
+
+T
+T
+T
+T
+T
+T
+
+T
+T
+
+T
+R
+CR
+CR
+T
+T
+T
+T
+T
+
+R
+R
+R
+
+R
+
+T
+T
+T
+T
+T
+T
+
+T
+T
+
+T
+R
+CR
+CR
+T
+T
+T
+T
+T
+
+R
+N/A
+N/A
+
+R
+
+T
+T
+T
+T
+T
+T
+
+T
+T
+
+T
+R
+CR
+CR
+T
+T
+T
+T
+T
+
+R
+T
+T
+
+R
+
+T
+T
+T
+T
+T
+T
+
+T
+T
+
+T
+R
+CR
+CR
+T
+T
+T
+T
+T
+
+R
+R
+R
+
+R
+
+T
+T
+T
+T
+T
+T
+
+T
+T
+
+T
+R
+CR
+CR
+T
+T
+T
+T
+T
+
+R
+R
+R
+
+R
+
+T
+T
+T
+T
+T
+T
+
+T
+T
+
+T
+R
+CR
+CR
+T
+T
+T
+T
+T
+
+R
+N/A
+N/A
+
+R
+
+T
+T
+T
+T
+T
+T
+
+T
+T
+
+UAD Consolidated Schema Matrix
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 5 of 211
+
+Document Version 1.4
+
+MISMO Data Point Name
+
+1004/70
+
+1004
+Hybrid/
+70H
+
+1004
+Desktop/
+70D
+
+2055
+
+1073/465
+
+1073
+Hybrid/
+465H
+
+1073
+Desktop/
+465D
+
+1075/466
+
+.PARTIES
+..APPRAISER
+...APPRAISER_LICENSE
+Appraiser License Identifier**
+
+Appraiser License Expiration Date**
+
+Appraiser License State**
+
+Appraiser License Type**
+
+Appraiser License Type Other Description**
+
+.PARTIES
+..SUPERVISOR
+Supervisor Name**
+
+Supervisor Company Name**
+
+Supervisor Street Address**
+
+Supervisor City**
+
+Supervisor State**
+
+Supervisor Postal Code**
+
+.PARTIES
+..SUPERVISOR
+...CONTACT_DETAIL
+.…CONTACT_POINT
+Contact Point Type**
+
+Contact Point Value**
+
+.PARTIES
+..SUPERVISOR
+...APPRAISER_LICENSE
+Appraiser License Identifier**
+
+Appraiser License Expiration Date**
+
+Appraiser License State**
+
+Appraiser License Type**
+
+.PARTIES
+..SUPERVISOR
+...INSPECTION (Subject)
+Appraisal Inspection Property Type
+
+Appraisal Inspection Type
+
+CR
+
+CR
+
+T
+
+CR
+
+CR
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
diff --git a/chunks/txt/f7a3df6373e908cbf2fcabc85527ec0542be4a148fa9057b1dbb8835c502eb0e.txt b/chunks/txt/f7a3df6373e908cbf2fcabc85527ec0542be4a148fa9057b1dbb8835c502eb0e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e0b1d75a8e2a33f64e50364862bb80ce40ade6f3
--- /dev/null
+++ b/chunks/txt/f7a3df6373e908cbf2fcabc85527ec0542be4a148fa9057b1dbb8835c502eb0e.txt
@@ -0,0 +1,55 @@
+In some jurisdictions, the price of prior sale(s)
+or transfer(s) is not disclosed in the public
+records or otherwise available to the
+appraiser within the normal course of
+business. In such cases, an appraiser may
+leave this field blank and make a comment in
+the “Analysis of prior sale or transfer history of
+the subject property and comparable sales”
+field or elsewhere in the report that the price
+of the sale or transfer is not available. Non-
+monetary entries such as “unknown”,
+“unavailable”, etc. are not permitted in this
+field.
+
+Reporting Format:
+Price of Prior Sale/Transfer – Currency
+(include a dollar sign), whole dollars only
+
+Page 57 of 68
+
+Appendix A: GSE Appraisal Forms Mapping
+
+Document Version 1.5
+
+© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.
+
+This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at
+the direction of the Federal Housing Finance Agency.
+
+Data Source(s), Effective Date of Data
+Source(s) – Prior Sales
+
+The appraiser must enter the data source(s)
+and effective date(s) of the data source(s)
+associated with the prior transfer(s) of each
+property.
+
+If the data source is MLS, the appraiser must
+enter the abbreviated MLS organization
+name, followed by a pound sign (#) and the
+specific listing identifier.
+
+Reporting Format:
+Data Source(s) – Text
+Effective Date of Data Source(s) –
+mm/dd/yyyy
+
+Indicated Value by Sales Comparison
+Approach $
+The appraiser must enter the reconciled value
+of the Sales Comparison Approach.
+
+Reporting Format:
+Indicated Value by Sales Comparison
+Approach $ – Currency, whole dollars only
diff --git a/chunks/txt/f7a732bbad60b5b193d9c26ef904c31e2d80c5a80a956f11a9525ff97d95c082.txt b/chunks/txt/f7a732bbad60b5b193d9c26ef904c31e2d80c5a80a956f11a9525ff97d95c082.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dc6526da3d3076e1338b4b77f35c858856ee27b5
--- /dev/null
+++ b/chunks/txt/f7a732bbad60b5b193d9c26ef904c31e2d80c5a80a956f11a9525ff97d95c082.txt
@@ -0,0 +1,7 @@
+(cid:25)(cid:23)(cid:3)(cid:5)(cid:5)(cid:10)(cid:76)
+(cid:25)(cid:23)(cid:3)(cid:5)(cid:5)(cid:11)(cid:76)
+
+(cid:17)(cid:66)(cid:66)(cid:69)(cid:36)(cid:52)(cid:71)(cid:46)(cid:69)(cid:76)(cid:30)(cid:46)(cid:47)(cid:46)(cid:69)(cid:46)(cid:60)(cid:41)(cid:46)(cid:76)(cid:27)(cid:21)(cid:76) (cid:25)(cid:23)(cid:3)(cid:5)(cid:5)(cid:12)(cid:76)
+(cid:17)(cid:49)(cid:46)(cid:60)(cid:41)(cid:75)(cid:76)(cid:20)(cid:36)(cid:71)(cid:46)(cid:76)(cid:24)(cid:52)(cid:55)(cid:46)(cid:76)(cid:27)(cid:21)(cid:76) (cid:25)(cid:23)(cid:4)(cid:5)(cid:5)(cid:13)(cid:76)
+(cid:20)(cid:55)(cid:52)(cid:46)(cid:60)(cid:73)(cid:76)(cid:30)(cid:46)(cid:47)(cid:46)(cid:69)(cid:46)(cid:60)(cid:41)(cid:46)(cid:76)(cid:27)(cid:21)(cid:76) (cid:25)(cid:23)(cid:3)(cid:5)(cid:5)(cid:14)(cid:76)
+(cid:17)(cid:28)(cid:20)(cid:76)(cid:30)(cid:46)(cid:47)(cid:46)(cid:69)(cid:46)(cid:60)(cid:41)(cid:46)(cid:76)(cid:27)(cid:21)(cid:76) (cid:25)(cid:23)(cid:3)(cid:5)(cid:5)(cid:15)(cid:76)
diff --git a/chunks/txt/f7ae83394bf60e53a98ee88e38f453940f0955ea9652fdb30068e7db98310396.txt b/chunks/txt/f7ae83394bf60e53a98ee88e38f453940f0955ea9652fdb30068e7db98310396.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9fb51c6b4a8f5d54e35c7259b84c556b3675bec9
--- /dev/null
+++ b/chunks/txt/f7ae83394bf60e53a98ee88e38f453940f0955ea9652fdb30068e7db98310396.txt
@@ -0,0 +1,129 @@
+Adjusted Price Per Bedroom
+
+Price Per Gross Building
+Finished Area
+
+Adjusted Price
+
+Comparable Weight
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C4
+
+$20,000
+
+Q4
+
+C3
+
+Balcony | Balcony
+| Patio | Patio
+
+Balcony | Balcony
+| Patio | Patio
+
+Patio | Patio
+
+$10,000 Balcony | Balcony
+| Patio | Patio
+
+Carport | 4 | Detached
+800 Sq. Ft.
+Driveway | 4 | Concrete
+
+—
+
+Carport | 4 | Detached
+Driveway | 4 | Concrete
+
+Carport | 4 | Detached
+Driveway | 4 | Concrete
+
+Carport | 4 | Detached
+Driveway | 4 | Concrete
+
+$865,000
+
+$850,000
+
+$(54,600)
+
+$198,850
+
+$99,425
+
+$155
+
+$795,400
+
+Less
+
+$755,000
+
+$750,000
+
+$22,400
+
+$193,100
+
+$96,550
+
+$132
+
+$772,400
+
+Less
+
+$795,000
+
+$780,000
+
+$4,400
+
+$196,100
+
+$98,050
+
+$159
+
+$784,400
+
+Most
+
+Indicated Value by Sales Comparison Approach
+
+Indicated Value
+
+$785,000
+
+Reconciliation of Sales Comparison Approach
+
+All comparables utilized were 4 unit properties. The time adjustment reflects approximately 1% per month for each comparable. The
+comparables were built in approximately the same time period offering similar overall utility. Most emphasis is placed on comparable 3, which
+best reflects the subject property.
+
+Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2
+
+Uniform Residential Appraisal Report
+
+Page 18 of 26
+Page 18 of 26
+
+Sales Comparison Approach (continued)
+
+PG BRK
+
+Sales Comparison Map
+
+This is where the map of the Sales Comparables, the Rental Comparables, and the GRM Comparables would display.
+
+Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2
diff --git a/chunks/txt/f7af7b312fed96dc5ff14c90be9ced81071d0cea05942214bed4f92ffd85c017.txt b/chunks/txt/f7af7b312fed96dc5ff14c90be9ced81071d0cea05942214bed4f92ffd85c017.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a8d79bf29fae6acac730e8b9f6c3460c2b4573f3
--- /dev/null
+++ b/chunks/txt/f7af7b312fed96dc5ff14c90be9ced81071d0cea05942214bed4f92ffd85c017.txt
@@ -0,0 +1,4 @@
+---
+source_url: "https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw"
+date_accessed: "2026-01-27T17:47:50.155Z"
+---
diff --git a/chunks/txt/f7b312ad5cccf46ffc2c1a1873706572209fd80342772458207cf622dd3495a2.txt b/chunks/txt/f7b312ad5cccf46ffc2c1a1873706572209fd80342772458207cf622dd3495a2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f2c2126b011ec3e4d075fb61341bc719f8ec4634
--- /dev/null
+++ b/chunks/txt/f7b312ad5cccf46ffc2c1a1873706572209fd80342772458207cf622dd3495a2.txt
@@ -0,0 +1,124 @@
+Exterior-Only Inspection Residential Appraisal Report
+ 2
+The purpose of this summary appraisal report is to provide the lender/client with an accurate, and adequately supported, opinion of the market value of the subject property.
+Property Address 6
+Borrower 10
+Legal Description 13
+Assessor’s Parcel # 14
+Neighborhood Name 17
+Occupant Owner Tenant Vacant
+Property Rights Appraised Fee Simple Leasehold Other (describe) 31
+Assignment Type Purchase Transaction Refinance Transaction Other (describe) 35
+Lender/Client 36
+Is the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal? Yes No
+Report data source(s) used, offering price(s), and date(s). e-2;40
+
+R.E. Taxes $ 16
+Census Tract 19
+
+Tax Year 15
+Map Reference 18
+
+State 8
+County 12
+
+Owner of Public Record 11
+
+HOA $ 25 per year per month
+
+Special Assessments $ 23
+
+34
+Address 37
+
+File # 3 4 4a
+
+City 7
+
+Zip Code 9
+
+S
+U
+B
+J
+E
+C
+T
+
+PUD
+24
+
+29
+33
+
+27
+
+39
+
+28
+
+32
+
+21
+
+20
+
+22
+
+30
+
+38
+
+26
+
+C
+O
+N
+T
+R
+A
+C
+T
+
+N
+E
+I
+G
+H
+B
+O
+R
+H
+O
+O
+D
+
+S
+I
+T
+E
+
+I
+M
+P
+R
+O
+V
+E
+M
+E
+N
+T
+S
+
+41
+
+I did did not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analysis was not
+42
+performed. e-3; 43
+
+Contract Price $ 44
+Is there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of the borrower? Yes No
+If Yes, report the total dollar amount and describe the items to be paid. 51a; e-4; 51b
+
+Is the property seller the owner of public record? Yes No Data Source(s) 48
diff --git a/chunks/txt/f7c91990c1245e5ebd526cb5323882861cf7e09ae432364e4d6bf29c01550b3d.txt b/chunks/txt/f7c91990c1245e5ebd526cb5323882861cf7e09ae432364e4d6bf29c01550b3d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c498ac0490574ce0b45ba509b1f1632bfd351b35
--- /dev/null
+++ b/chunks/txt/f7c91990c1245e5ebd526cb5323882861cf7e09ae432364e4d6bf29c01550b3d.txt
@@ -0,0 +1,79 @@
+of effective edit updates including:
+
+•
+•
+
+2 informational edits to validate Property Data Collection (PDC) appraisals
+5 warning edits to validate CPM, interest rate, and MERS MIN
+
+© 2025 Fannie Mae Page 4 of 6
+
+Effective
+Date
+
+Impacted Area
+
+Description
+
+•
+
+54 edits moving to fatal to validate ULDD Phase 5, Appraisal, Value Acceptance, and
+FTHB
+
+Aug 25,
+2025
+
+Sep 8,
+2025
+
+Sep 22,
+2025
+
+Edit Updates See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing
+
+of effective edit updates including:
+
+•
+•
+•
+
+38 CPM delivery restrictions edits moving from informational to warning
+1 new warning edit to validate desktop appraisal method is permitted
+5 edits moving to fatal to validate wiring instructions, CPM, and Appraisal
+
+Edit Updates See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing
+
+of effective edit updates including:
+
+•
+
+16 new warning edits to validate UAD 3.6 requirements
+
+Edit Updates See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing
+
+of effective edit updates including:
+
+•
+•
+
+3 new informational edits to validate DU casefile ID
+2 edits moving from informational to warning to validate Property Data Collection
+(PDC) appraisals
+
+• Warning edit 1948 to validate ARM cap down percent is moving to fatal for MBS
+
+Loans on 9/11. (For Whole Loans, fatal on 10/27)
+5 edits moving to fatal to validate CPM, interest rate, Appraisal, and Loan Program
+
+•
+
+Sep 22,
+2025
+
+Wire Details
+Visibility
+Enhancements
+
+Loan Delivery now displays the Account Name, Beneficiary Address, and Beneficiary Message
+for each wire listed on the Wire Details tab within the Seller Profile section of Loan Delivery.
+For more information see the Loan Delivery User guide.
diff --git a/chunks/txt/f7e4f6c47d17bdee3a3a520a12e8d3393ee610c4930cb4c9e5a68a8a0bb05da7.txt b/chunks/txt/f7e4f6c47d17bdee3a3a520a12e8d3393ee610c4930cb4c9e5a68a8a0bb05da7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1c80478187655e49868a93b21d8ca3f634f2f5fe
--- /dev/null
+++ b/chunks/txt/f7e4f6c47d17bdee3a3a520a12e8d3393ee610c4930cb4c9e5a68a8a0bb05da7.txt
@@ -0,0 +1,60 @@
+INTEREST_RATE_ADJUSTMENT holds two child containers that capture the loan terms defining
+how the interest rate can change:
+INTEREST_RATE_ADJUSTMENT_LIFETIME_RULE holds data points conveying the adjustment
+rules that apply for the entire life of the loan.
+INTEREST_RATE_PER_CHANGE_ADJUSTMENT holds data points conveying the adjustment
+rules that apply to a single adjustment. The value of AdjustmentRuleType indicates whether
+the data points in this container pertain to the initial rate adjustment (“First”) or periodic rate
+adjustments following the first (“Subsequent”). Data from these containers is used to describe
+how the interest rate can or will change.
+
+Appendix E: UCD Implementation Guide
+
+Page 245 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+V. Consolidated Mapping Guidance
+
+Topic
+
+Guidance
+
+Table 160. Consolidated Mapping Guidance
+
+ON E DATA POINT IN XML
+FIL E LABEL + V ALUE ON
+FORM
+
+Sometimes one data point is used to represent both the Form Field Name and the Form Field
+Value. For example: SalesContractAmount--the name of the data point conveys the name of
+the label and the dollar value.
+
+ON E L ABEL ON FORM
+MORE THAN ONE DATA
+POIN T IN XML FILE
+
+Sometimes multiple data points must be used to convey the information for a single Form
+Field Value on the Closing Disclosure. For example: Two data points, LoanMaturityPeriodCount
++ LoanMaturityPeriodType provide the value for Loan Term.
+
+ON CE IN XML FILE 
+MORE THAN ONE
+L OCATION ON FORM
+
+“ O THER” + OTHER
+DESCRIPTION – FREE
+FORM TEXT
+
+“ OTHER” + OTHER
+DESCRIPTION – UCD
+RESTRICTED
+
+PARTIES / PARTY
+
+Some data appear more than once on the form. However, in the XML file data points with
+identical values located in identical XPaths appear only one time. For For example, the
+property address data points providing the values for 1.6 and 17.6 are included in the XML file
+one time, even though they appear two times on the Closing Disclosure.
diff --git a/chunks/txt/f7ec7f6066d4b306939d338a6aac9983c7152198b542f2e3808a6635777df00c.txt b/chunks/txt/f7ec7f6066d4b306939d338a6aac9983c7152198b542f2e3808a6635777df00c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e404149f70260dfbb711f0ba82c7ac1c240c38a1
--- /dev/null
+++ b/chunks/txt/f7ec7f6066d4b306939d338a6aac9983c7152198b542f2e3808a6635777df00c.txt
@@ -0,0 +1,94 @@
+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
+
+08.009 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
+
+08.010
+
+ID
+
+If applicable
+
+Free-form
+
+08.011
+
+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.
+
+08.012 Expires
+
+If applicable
+
+mm/dd/yyyy
+
+Expiration date for the AMC credential.
+
+Appendix F-3: Completion Report Reference Guide
+
+Page 24 of 33
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+08 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
+
+Appraiser and Supervisor Role (Choose one or more for each Contact)
+
+Definition / Additional Guidance
+
+The person who inspected the subject property and signed the Completion Report.
+Notes:
+•
diff --git a/chunks/txt/f7ee5bcbaef449067f979dca4aa1f020a4226d81fcb5dd2dfaaaebe6754ba470.txt b/chunks/txt/f7ee5bcbaef449067f979dca4aa1f020a4226d81fcb5dd2dfaaaebe6754ba470.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4ba9b8cb3b50175689f75a52f391871b3f70207c
--- /dev/null
+++ b/chunks/txt/f7ee5bcbaef449067f979dca4aa1f020a4226d81fcb5dd2dfaaaebe6754ba470.txt
@@ -0,0 +1,57 @@
+Header Text displays on all pages of the report.
+
+Page 10
+
+•
+
+Left side: DocumentType (UID: 2800.0036, FID: HF.001) = “Completion Report”
+
+o Always displays
+
+• Right side: “Page X of XX” (where X stands for page number, and XX for total pages in document)
+
+o Always displays
+
+Figure HF - 1
+
+See Appendix E – Report Style Guide for details displaying the header.
+
+Footer Text displays on every page of the report.
+
+• Completion Version # - AboutVersionIdentifier (UID: 2100.0030, FID: HF.002)
+
+o Always displays
+
+• Fannie Mae | Freddie Mac - DocumentFormIssuingEntityNameType (UID: 2100.0052, FID: HF.003)
+
+o Always displays
+
+Page 11
+
+• September 2024 - DocumentFormIssuingEntityVersionIdentifier (UID: 2100.0053, FID: HF.004)
+
+o Always displays
+
+• Appraiser Reference ID - AppraiserFileIdentifier (UID: 2100.0029, FID: HF.005)
+
+o Always displays
+
+• Agency Case File ID - AdditionalValuationIdentifier (UID: 2100.0023, FID: HF.006)
+
+o Displays when AdditionalValuationIdentifierType (UID: 2100.0024, FID: HF.006)= "GovernmentAgency"
+
+• Client Reference ID - AdditionalValuationIdentifier (UID: 2100.0021, FID: HF.007)
+
+o Displays when AdditionalValuationIdentifierType (UID: 2100.0022, FID: HF.007) = "Client"
+
+• AMC Reference ID - AdditionalValuationIdentifier (UID: 2100.0025, FID: HF.008)
+
+o Displays when AdditionalValuationIdentifierType (UID: 2100.0026, FID: HF.008) = "ManagementCompany”
+
+Figure HF - 2
+
+See Appendix E – Report Style Guide for details displaying the footer.
+
+Note: Text can be included in the footer for vendor branding. However, the text must not
+
+overlap the predefined fields.
diff --git a/chunks/txt/f7ef86977b1e355b79f62479e9c463fee6b0f897eead47e9730d791d32fdfdd3.txt b/chunks/txt/f7ef86977b1e355b79f62479e9c463fee6b0f897eead47e9730d791d32fdfdd3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..38fedcc96d0113d61aed6b8efcad92dfdb0e63eb
--- /dev/null
+++ b/chunks/txt/f7ef86977b1e355b79f62479e9c463fee6b0f897eead47e9730d791d32fdfdd3.txt
@@ -0,0 +1,60 @@
+✓
+
+2.1 & 2.3 only
+
+Figure 12 illustrates the Transaction Information section of the Closing Disclosure, which provides information
+about three of the parties to the transaction.
+
+a. Borrower(s): The name and mailing address of each party obligated on the note as the purchaser(s) or
+
+owner(s) of the subject property.
+
+b. Seller(s): The name and address of each party selling the subject property. Seller data must be provided
+
+only for purchase transactions.
+
+c. Lender: The name and address of the party providing the funding (creditor). In transactions where a
+mortgage broker was involved, this field should identify the Lender, if known, even if the mortgage
+broker provides the disclosure.
+
+2.0 Transaction Information
+
+2.1 Borrower Michael Jones
+
+123 Anywhere Street, Unit C
+
+Anytown, ST 12345
+
+2.2 Seller
+
+Steve Cole, Jr. and Amy A. Doe
+
+321 Somewhere Drive
+
+Anytown, ST 12345
+
+2.3 Lender Ficus Bank
+
+Figure 12. Transaction Information Section
+
+2. 1 BORROWER
+
+1. I NDI VI DUAL
+
+Since the borrower illustrated in Figure 12 is an individual, he is represented on the Closing Disclosure using the
+name data points in Table 20. The PartyRoleType value shown in these examples is “Borrower.” Appendix I also
+
+Appendix E: UCD Implementation Guide
+
+Page 39 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+2.0 Transaction Information
+
+allows the values of “NonTitleSpouse”, “Titleholder”, and “NonTitleNonSpouseOwnershipInterest” as applicable.
+UCD limits the number of borrowers in the XML file to ten. See PARTY NAME – INDIVIDUAL in Section V.
+
+Table 20. Borrower Individual Name and Mailing Address
diff --git a/chunks/txt/f7f509f637230761a03c311650cb0a1e708d6346506a1e902fcb78405d86eae3.txt b/chunks/txt/f7f509f637230761a03c311650cb0a1e708d6346506a1e902fcb78405d86eae3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..af74e6c14498449e9072ca59f4dcd75fcc2499b6
--- /dev/null
+++ b/chunks/txt/f7f509f637230761a03c311650cb0a1e708d6346506a1e902fcb78405d86eae3.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\/34306","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();
diff --git a/chunks/txt/f7fa8492a1843d057d17eba1380e63e37eeb0f65a39dbfe0ae2fef238e1fecef.txt b/chunks/txt/f7fa8492a1843d057d17eba1380e63e37eeb0f65a39dbfe0ae2fef238e1fecef.txt
new file mode 100644
index 0000000000000000000000000000000000000000..93bb0609c70b7921ae2e7a3938727650d1d83701
--- /dev/null
+++ b/chunks/txt/f7fa8492a1843d057d17eba1380e63e37eeb0f65a39dbfe0ae2fef238e1fecef.txt
@@ -0,0 +1,46 @@
+Document Name
+
+URL
+
+MISMO Version 3.0 Candidate
+Recommendation 2010-05
+Reference Model and Logical
+Data Dictionary
+
+These two files are available at http://www.mismo.org/standards-
+and-resources/residential-specifications/mismo-version-30
+Note: Other versions of the MISMO Version 3.0 Reference Model
+are not compatible with the ULDD implementation.
+*Create a User ID and password to access files on the MISMO
+website; send questions regarding the MISMO website to
+info@mismo.org.
+
+© 2018 Fannie Mae. Trademarks of Fannie Mae.
+
+June 2018 | 7 of 22
+
+The following subsections provide details about the appendices, which are key implementation documents.
+
+4.1. Appendix A: Fannie Mae XML Data Requirements (PDF version)
+
+Appendix A is a protected static view of Appendix D in PDF format. This is provided as a convenience
+for users with a fixed view of the data. Refer to the Appendix D section below for additional details
+and context.
+
+4.2. Appendix B: Fannie Mae Usage Scenarios
+
+Easy-to-follow usage scenarios are provided for several mortgage loan products and pools that
+capture fictitious data to illustrate how the loan delivery data is populated within the corresponding
+loan delivery XML file.
+
+Additionally, as part of ULDD Phase 3, Appendix B includes :
+
+ 10 borrower demographic information test cases that provide guidance when working with
+
+complex demographic information, including URLA screen shots.
+
+ One test case shared by Fannie Mae and Freddie Mac, containing test borrowers who have
+
+a credit report profile compatible with DU.
+
+ A graphic representation of the Demographic Information container structure.
diff --git a/chunks/txt/f80dc0a636ae52db113322b13e6fcbd7c2ac1c70aa5a69c1f4fd807ab1761c2a.txt b/chunks/txt/f80dc0a636ae52db113322b13e6fcbd7c2ac1c70aa5a69c1f4fd807ab1761c2a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5797bfa119cdfae9d16143a11197dc324c816dd5
--- /dev/null
+++ b/chunks/txt/f80dc0a636ae52db113322b13e6fcbd7c2ac1c70aa5a69c1f4fd807ab1761c2a.txt
@@ -0,0 +1,35 @@
+Desktop Underwriter/Desktop Originator Release Notes
+DU Version 12.0 September Update
+
+July 30, 2025
+
+Updated Sept. 24, 2025
+
+During the weekend of Sept. 27, 2025, Fannie Mae will implement an update to Desktop Underwriter® (DU®) Version 12.0, which
+will include the changes described below. The changes in this release will apply to DU V. 12.0 loan casefiles submitted or
+resubmitted to DU on or after the weekend of Sept. 27, 2025.
+
+The changes in this release include the following updates:
+▪ Eligibility Assessment Update (added Sept. 24, 2025)
+▪ Property Assessment and Valuation
+▪ Limited Cash-out Refinance Transactions
+▪ First-time Homebuyer Determination
+▪ Restricted Stock
+▪ Updates to Align with the Selling Guide
+
+Eligibility Assessment Update (added to release notes Sept. 24, 2025)
+
+As part of normal operations and prudent risk management, the DU eligibility assessment will be updated to issue an Ineligible
+recommendation on loan casefiles when a combination of product features and risk factors are present which place the loan
+outside our current acquisition preferences and constraints. We anticipate that these changes may yield a slight reduction in loan
+casefiles receiving an Approve/Eligible recommendation.
+
+Note: These changes will only apply to DU Version 12.0 loan casefiles created on or after Sept. 28, 2025.
+
+Property Assessment and Valuation
+
+Value Acceptance Messages
+
+The value acceptance and value acceptance + property data messages will be simplified. A new message will also be added
+reminding lenders that when a purchase loan casefile is eligible for value acceptance or value acceptance + property data, to
+proceed with the offer the property value provided in the loan application must reflect the sales price.
diff --git a/chunks/txt/f81925d9877e776f5547a590cc4ef4a5a58d0a97b13462d846f4cf1d75d83595.txt b/chunks/txt/f81925d9877e776f5547a590cc4ef4a5a58d0a97b13462d846f4cf1d75d83595.txt
new file mode 100644
index 0000000000000000000000000000000000000000..edc104fcba1c9abc88cb62764e74d95b56bae42c
--- /dev/null
+++ b/chunks/txt/f81925d9877e776f5547a590cc4ef4a5a58d0a97b13462d846f4cf1d75d83595.txt
@@ -0,0 +1,192 @@
+COMPARABLE SALE # 2
+
+COMPARABLE SALE # 1
+
+SUBJECT
+
+ITEM
+
+did
+
+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.
+
+P
+R
+O
+J
+E
+C
+T
+
+I
+N
+F
+O
+R
+M
+A
+T
+I
+O
+N
+
+P
+R
+O
+J
+E
+C
+T
+
+A
+N
+A
+L
+Y
+S
+I
+S
+
+U
+N
+I
+T
+
+D
+E
+S
+C
+R
+I
+P
+T
+I
+O
+N
+
+P
+R
+I
+O
+R
+
+S
+A
+L
+E
+
+H
+I
+S
+T
+O
+R
+Y
+
+Freddie Mac Form 465D April 2022
+
+Page 2 of 6
+
+Fannie Mae Form1073 Desktop April 2022
+
+Individual Condominium Unit Appraisal Report (Desktop)
+
+File #
+
+.
+There are comparable properties currently offered for sale in the subject neighborhood ranging in price from $ to $
+There are comparable sales in the subject neighborhood within the past twelve months ranging in sale price from $ to $ .
+
+FEATURE
+
+SUBJECT
+
+COMPARABLE SALE # 1
+
+COMPARABLE SALE # 2
+
+COMPARABLE SALE # 3
+
+sq. ft. $
+
+sq. ft.
+
+$
+
+sq. ft.
+
+$
+
+$
+
+$
+
+$
+sq. ft.
+
+DESCRIPTION
+
+DESCRIPTION
+
++(-) $ Adjustment DESCRIPTION
+
++(-) $ Adjustment DESCRIPTION
+
++(-) $ Adjustment
+
+Address and
+Unit #
+Project Name and
+Phase
+Proximity to Subject
+$
+Sale Price
+Sale Price/Gross Liv. Area $
+Data Source(s)
+Verification Source(s)
+VALUE ADJUSTMENTS
+Sale or Financing
+Concessions
+Date of Sale/Time
+Location
+Leasehold/Fee Simple
+HOA Mo. Assessment
+Common Elements
+and Rec. Facilities
+Floor Location
+View
+Design (Style)
+Quality of Construction
+Actual Age
+Condition
+Above Grade
+Room Count
+Gross Living Area
+Basement & Finished
+Rooms Below Grade
+Functional Utility
+Heating/Cooling
+Energy Efficient Items
+Garage/Carport
+Porch/Patio/Deck
+
+S
+A
+L
+E
+S
+
+C
+O
+M
+P
+A
+R
+I
+S
+O
+N
diff --git a/chunks/txt/f82e49171fe7562c8b6c0ae26698de1504fb2ced734eb8a6432950a416edc81c.txt b/chunks/txt/f82e49171fe7562c8b6c0ae26698de1504fb2ced734eb8a6432950a416edc81c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e948ff92f96ed026bd64bad5e1948ab2d2697ada
--- /dev/null
+++ b/chunks/txt/f82e49171fe7562c8b6c0ae26698de1504fb2ced734eb8a6432950a416edc81c.txt
@@ -0,0 +1,102 @@
+The following figure provides a checklist of the data point requirements for the four distinct categories of prepaid line
+
+item identified in the slanted column headings.
+
+Figure 36. Checklist of PrepaidItemType Requirements by Prepaid Line Item Category.
+
+▪ Because prepaid interest is required for
+
+all loans, a separate line item for
+PrepaidItemType = “PrepaidInterest” is
+provided for it in this chart (and in the
+Spec). It is mutually exclusive within an
+instance of PREPAID_ITEM with all other
+UCD supported enumerations.
+
+▪ The “No Interest” column in the checklist
+shows the data points and values that
+must be provided in the XML file when
+prepaid interest is not part of the
+transaction.
+
+▪ For non-tax items, RegulationZPoints
+
+AndFeesIndicator indicates whether the
+fee falls under ATR/QM calculations.
+
+UCD v2.0 Implementation Guide
+
+- 49 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Figure 37. Rendering Prepaid Item Data on the CD.
+
+Borrower-Paid
+
+Seller-Paid
+
+Paid by
+Others
+
+Other Costs
+
+8.0
+
+At Closing
+
+Before Closing
+
+At Closing
+
+Before Closing
+
+8.4 F. Prepaids
+
+8.4.1
+
+8.5 Homeowner’s Insurance Premium 8.5.1 (12 mo.) to
+Insurance Co
+
+8.5.2
+
+8.5.3 $1,209.96
+
+8.5.4
+
+8.5.5
+
+8.5.6
+
+8.6 Mortgage Insurance Premium 8.6.1 (mo.) to
+
+8.6.2
+
+8.6.3
+
+8.6.4
+
+8.6.5
+
+8.6.6
+
+8.7 Prepaid Interest 8.7.1 ($17.44 per day from 4/15/24
+to 4/30/24)
+
+8.7.2 $279.04 8.7.3
+
+8.7.4
+
+8.7.5
+
+8.7.6
+
+8.8 Property Taxes 8.8.1 (6 mo.) to Any County USA
+
+8.8.2 $315.90 8.8.3
+
+8.8.4
diff --git a/chunks/txt/f839a54be0a3bbe82349d5ec77ff4886c4ce0522164f76b1eaefb85d8c24e31a.txt b/chunks/txt/f839a54be0a3bbe82349d5ec77ff4886c4ce0522164f76b1eaefb85d8c24e31a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7d8850c87c1d4fdf57130eb3126ceba8cb44b14e
--- /dev/null
+++ b/chunks/txt/f839a54be0a3bbe82349d5ec77ff4886c4ce0522164f76b1eaefb85d8c24e31a.txt
@@ -0,0 +1,40 @@
+6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to
+the date of sale of the comparable sale, unless otherwise indicated in this report.
+
+7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject
+property.
+
+8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home
+that has been built or will be built on the land.
+
+9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject
+property and the comparable sales.
+
+I verified, from a disinterested source, all information in this report that was provided by parties who have a financial
+
+10.
+interest in the sale or financing of the subject property.
+
+11.
+
+I have knowledge and experience in appraising this type of property in this market area.
+
+I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing
+
+12.
+services, tax assessment records, public land records and other such data sources for the area in which the property is located.
+
+I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from
+
+13.
+reliable sources that I believe to be true and correct.
+
+I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject
+
+14.
+property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I
+have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the
+presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the
+subject property or that I became aware of during the research involved in performing this appraisal. I have considered these
+adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and
+marketability of the subject property.
diff --git a/chunks/txt/f848283b5c08446d1a27146ae11d2a0f98d073e480917b2bf143c8fc01ddd213.txt b/chunks/txt/f848283b5c08446d1a27146ae11d2a0f98d073e480917b2bf143c8fc01ddd213.txt
new file mode 100644
index 0000000000000000000000000000000000000000..23f9d2eb81bea4ab4b2db76cb21fd9a5d05a801f
--- /dev/null
+++ b/chunks/txt/f848283b5c08446d1a27146ae11d2a0f98d073e480917b2bf143c8fc01ddd213.txt
@@ -0,0 +1,115 @@
+CashToCloseTotal
+
+ROF as “Cash to
+Close”
+
+Appendix E: UCD Implementation Guide
+
+Page 159 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+10.A Alternative Calculating Cash To Close Table
+
+Table 104. Alternative Calculating Cash to Close Table
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute MISMO v3.3.0 Value
+
+Notes
+
+Sixth Instance of CASH_TO_CLOSE_ITEM
+
+10.9.2 Final Cash to Close …/CASH_TO_CLOSE_
+
+ITEM
+
+10.9.4 From To
+
+Borrower
+
+10.9
+
+Cash to Close
+
+10.3.2 Closing Costs
+
+Financed (Paid from
+your Loan Amount)
+_____
+
+10.3
+
+Closing Costs
+Financed (Paid from
+your Loan Amount)
+
+IntegratedDisclosure
+CashToCloseItemFin
+alAmount
+
+IntegratedDisclosure
+CashToCloseItemPay
+mentType
+
+IntegratedDisclosure
+CashToCloseItemTyp
+e
+
+29677.43
+
+ROF as “$29,677.43”
+
+ToBorrower
+
+ROF as checked box
+“To”
+
+CashToCloseTotal
+
+ROF as “Cash to
+Close”
+
+Seventh Instance of CASH_TO_CLOSE_ITEM
+
+…/CASH_TO_CLOSE_
+ITEM
+
+IntegratedDisclosure
+CashToCloseItemFin
+alAmount
+
+5322.57
+
+ROF as “$5,322.57”
+
+IntegratedDisclosure
+CashToCloseItemTyp
+e
+
+ClosingCostsFinance
+d
+
+ROF as “Closing
+Costs Financed (Paid
+from your Loan
+Amount)”
+
+A. FOR MORE I NFORMATI ON
+
+10.0: Reg §1026.38(e), pp. 80121, 80351-52, 80006-7; Ex. H-25(F), p. 80192; Ex. H-25(G), p. .
+
+10.1: Reg §1026.38(e)(2), p. 80121; 38(e)(2)(i)-1, pp. 80352; 10.1.3 | 10.1.4: Reg §1026.38(e)(2)(iii)(A)-1, 2, p.
+
+80352.
+
+10.2: Reg §1026.38(e)(3), p. 80122; 10.2.1: Reg §1026.38(e)(3)(i)-1, p. 80352; 10.2.2: Reg §1026.38(e)(3)(iii)(B)-
diff --git a/chunks/txt/f8542721eb7449e14b842b8db1f7460cc3322422e2f5047117e72a1dfbce40e8.txt b/chunks/txt/f8542721eb7449e14b842b8db1f7460cc3322422e2f5047117e72a1dfbce40e8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..476a375c3059fae4934c63ce4565c6d2760e7075
--- /dev/null
+++ b/chunks/txt/f8542721eb7449e14b842b8db1f7460cc3322422e2f5047117e72a1dfbce40e8.txt
@@ -0,0 +1,51 @@
+The data in an appraisal XML file must pass certain data integrity rules. For example, an invalid enumeration or non-numeric data in a
+numeric field may cause the appraisal XML file to fail schema validation.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Special Characters in XML
+
+There are several reserved characters that cannot be included in the value of a data point unless they are properly “escaped.” The following
+table shows common characters and corresponding character encodings that must be properly escaped in the appraisal XML file for the file
+to be valid. (This table does not contain a comprehensive list of all the reserved characters.)
+
+Page 29
+
+Characters
+
+Properly
+Escaped
+
+&
+<
+>
+“
+‘
+
+&amp
+&lt
+&gt
+&quot
+&apos
+
+Description
+
+Ampersand
+Less-than sign
+Greater-than sign
+Quotation Mark
+Apostrophe
+
+The URAR Delivery Specification includes the xLink language as described by the MISMO v3.6 Reference Model. This key topic Arcrole
+Relationships identifies the xLink attributes used by UAD.
+
+Definition of xLink and MISMO Implementation
+
+XLink is an XML-based language for relating information. According to the W3C1, “XML Linking Language (xLink), allows elements to be
+inserted into XML documents in order to create and describe links between resources.” The MISMO v3.6 Reference Model uses xLink to
+define relationships between elements that cannot be related hierarchically (through containment).2 MISMO uses a limited set of the xLink
+attributes:
+
+• xlink:label -attached to data point or container elements that will be used to express an arcrole relationship
+
+1 XML Linking Language (XLink) Version 1.1, W3C Recommendation May 6, 2010, http://www.w3.org/TR/xlink/, accessed June 4, 2018.
diff --git a/chunks/txt/f88a35aa4760416f5bf490459a239a7e0814d565cc8a58c841be67dc6c204b0c.txt b/chunks/txt/f88a35aa4760416f5bf490459a239a7e0814d565cc8a58c841be67dc6c204b0c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..56dd052c2f523d3c9a7d9192dc087efdc10544e9
--- /dev/null
+++ b/chunks/txt/f88a35aa4760416f5bf490459a239a7e0814d565cc8a58c841be67dc6c204b0c.txt
@@ -0,0 +1,67 @@
+The XYZ MLS indicated 10 of 34 (29.4%) of the closed sales in the market area between 09/15/2018 and 09/15/2019 contained seller
+concessions. Concessions ranged between $1,000 and $25,000, and the median concession was $7,100. This level of concessions was
+determined to have minimal impact on the marketability or sale prices for properties considered competitive to the subject.
+
+Appraiser Reference ID AA12345Client Reference ID AB12345AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 3 (SF3)
+
+Uniform Residential Appraisal Report
+
+Page 15 of 23
+
+Market (continued)
+
+Market Exhibits
+
+Absorption Rate
+
+Median Days on Market
+
+Price Trend
+
+This is where the Absorption Rate graph would display.
+
+This is where the Median Days on Market graph would display.
+
+This is where the Price Trend graph would display.
+
+Appraiser Reference ID AA12345Client Reference ID AB12345AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 3 (SF3)
+
+Uniform Residential Appraisal Report
+
+Page 16 of 23
+
+Subject Listing Information
+
+Current and/or relevant listings of the subject property (minimum 1 year look back)
+
+Listing Status
+Pending
+
+Listing Type
+MLS
+
+Listing ID
+XYZ 0387300
+
+Start Date
+06/20/2019
+
+End Date
+09/08/2019
+
+DOM
+79
+
+Total DOM 79
+
+Starting
+List Price
+$825,000
+
+Current or
+Final List Price
+$799,900
+
+Analysis of Subject Property Listing History Subject was listed on June 20th, 2019 with list price of $825,000 and was listed for 40 days. On
+July 31st, 2019 the price was reduced 3% to $799,900 and went under contract on 08/20/2019 for $770,000, which is 7% below the original list
+price.
diff --git a/chunks/txt/f8a3e3e19920f914349a482f17523133b1465c8965c33b58f3d18a9510ccb466.txt b/chunks/txt/f8a3e3e19920f914349a482f17523133b1465c8965c33b58f3d18a9510ccb466.txt
new file mode 100644
index 0000000000000000000000000000000000000000..aff1ab7f535f24557bc80a835d285bbfc5cffe18
--- /dev/null
+++ b/chunks/txt/f8a3e3e19920f914349a482f17523133b1465c8965c33b58f3d18a9510ccb466.txt
@@ -0,0 +1,130 @@
+2 = Savings Association Insurance
+Fund (SAIF)-insured depository
+institution
+3 = Bank Insurance Fund (BIF)-insured
+depository institution
+4 = Credit union insured by the
+National Credit Union Administration
+(NCUA)
+5 = Other/unknown
+1 = Conventional/Other
+2 = FHA-insured
+3 = VA-guaranteed
+4 = FSA/RHS-guaranteed
+1 = Secured by a first lien
+2 = Secured by a subordinate lien
+3 = Not secured by a lien
+4 = Not applicable
+999.00 = Not applicable
+
+15
+
+1
+
+fed_guarantee_ctf
+
+Federal Guarantee
+
+16
+
+1
+
+lien_status
+
+Lien Status
+
+17
+
+6
+
+ltv
+
+MF CTF
+
+Loan-to-Value Ratio (LTV)
+at Origination, or
+Combined LTV (CLTV)
+where available
+
+The type of seller that sold the mortgage to the
+Enterprise; this is not necessarily the
+originating lender. The SAIF and BIF were
+merged in 2006 to form the Deposit Insurance
+Fund (DIF), see
+https://www.fdic.gov/news/financial-
+institution-letters/2006/fil06036.html.
+Analysts may treat values of ‘2’ and ‘3’ equally
+in the post-2006 PUDBs.
+
+41
+
+Enterprise Public Use Database Data Dictionary
+Data Release of 2024 Acquisitions
+
+Multifamily Properties
+Census Tract File
+
+Header Name
+
+Field Name
+
+Values
+
+Description / Comments
+
+Federal Housing
+Finance Agency
+
+Field # Field
+Width
+1
+
+18
+
+19
+
+20
+
+21
+
+22
+
+3
+
+1
+
+6
+
+9
+
+same_year_acq
+
+Date of Mortgage Note
+
+term_orig
+
+units_num_cat
+
+Term of Mortgage at
+Origination
+Number of Units
+
+1 = Originated in same calendar year
+as acquired
+2 = Originated prior to calendar year of
+acquisition
+9 = Missing
+999 = Not available
+
+Months
+
+1 = 5 to 24 units
+2 = 25 to 50
+3 = 51 to 99
+4 = 100 to 149
+5 = over 149
+9 = Unknown
+
+rate_orig
+
+upb_orig
diff --git a/chunks/txt/f8a624a5e1ad7cca5e78b17d446f1390cac789341ba07926b22bd72ac2b7ae0e.txt b/chunks/txt/f8a624a5e1ad7cca5e78b17d446f1390cac789341ba07926b22bd72ac2b7ae0e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..24f7856ed5a6c2145ec20a39531b1e30127b9900
--- /dev/null
+++ b/chunks/txt/f8a624a5e1ad7cca5e78b17d446f1390cac789341ba07926b22bd72ac2b7ae0e.txt
@@ -0,0 +1,103 @@
+Location
+
+(Location Type)
+
+GSE Location Type
+Other Description
+
+Text entry when “Other” is selected as
+Location Type.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON
+_LOCATION_DETAIL_EXTENSION/COMPARISON_LOCATION_DETAIL_
+EXTENSION_SECTION[@ExtensionSectionOrganizationName='UNIFORM
+APPRAISAL
+DATASET']/COMPARISON_LOCATION_DETAIL_EXTENSION_SECTION_
+DATA/COMPARISON_LOCATION_DETAIL/.[@GSELocationType='Other']/@
+GSELocationTypeOtherDescription
+
+20
+
+String
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+If a location factor not on the list materially affects the value of the property, the
+appraiser must select “Other” and enter a description of the location associated with the
+property. Free-form descriptions should be entered carefully because data will be
+truncated on the appraisal report form if it exceeds available space for that field.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+This field is required if the value of field e-
+15 (GSE Location Type) is 'Other'.
+
+CR
+
+Form FNM 1075 FRE 466
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 158 of 211
+
+Document Version 1.4
+
+Form Section
+
+Form Field Label
+
+Data Point Name
+
+Data Point Definition
+
+XPath
+
+Data Point Field
+Length
+
+Implementation Notes
+
+Conditionality Description
+
+Data Field
+Conditionality
+
+Sort ID
+
+Form
+Page
+
+Form
+Reference
+Number
+
+401
+
+402
+
+403
+
+3
+
+3
+
+3
+
+66
+
+67
+
+68
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
diff --git a/chunks/txt/f8ac59bcfcc3ae7cd853dfce6db4d02a7f0187b9a9c73a24e49f1e83b753c7c9.txt b/chunks/txt/f8ac59bcfcc3ae7cd853dfce6db4d02a7f0187b9a9c73a24e49f1e83b753c7c9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..894030dff01c81334ffb070ce5f6f724eb1011b6
--- /dev/null
+++ b/chunks/txt/f8ac59bcfcc3ae7cd853dfce6db4d02a7f0187b9a9c73a24e49f1e83b753c7c9.txt
@@ -0,0 +1,32 @@
+- Albany-Schenectady-Troy, NY
+ - Birmingham-Hoover, AL
+ - Cleveland-Elyria, OH
+ - Dayton, OH
+ - Flint, MI
+ - Kansas City, MO-KS
+ - Milwaukee-Waukesha-West Allis, WI
+ - Palm Bay-Melbourne-Titusville, FL
+ - St. Louis, MO
+ - Trenton, NJ
+
+- Atlanta-Sandy Springs-Roswell, GA
+ - Chicago-Naperville-Elgin, IL
+ - Columbus, OH
+ - Detroit, MI
+ - Indianapolis-Carmel-Anderson, IN
+ - Louisville-Jefferson County, KY-IN
+ - New York-Newark-Jersey City, NY-NJ-PA
+ - Philadelphia-Camden-Wilmington, PA-NJ-DE
+ - Tampa-St. Petersburg-Clearwater, FL
+ - Youngstown-Warren-Boardman, OH-PA
+
+## Related Documents
+
+- [NSI Expansion Fact Sheet (11/10/2015)](/neighborhood-stabilization-initiative-program-expansion-fact-sheet)
+ - [Cook County, IL NSI Fact Sheet (4/15/2015)](/cook-county-illinois-neighborhood-stabilization-initiative-fact-sheet)
+ - [Fannie Mae and Freddie Mac - MyCityMod Fact Sheet - Cook County, IL (4/15/2015)](/sites/default/files/2023-03/mycity-modification-cook-county.pdf)
+ - [Fannie Mae and Freddie Mac - "Modification MyCity" - Condado de Cook, IL (Español) (4/15/2015)](/sites/default/files/2023-03/mycity-modification_cook_county_espanol.pdf)
+ - [Detroit, MI NSI Fact Sheet - Update (10/2/2014)](/detroit-michigan-nsi-fact-sheet-update)
+ - [Fannie Mae and Freddie Mac - MyCityMod Fact Sheet - Detroit, MI (10/2/2014)](/sites/default/files/2023-03/mycity-mod-detroit-consumer-factsheet-final.pdf)
+ - [Detroit, MI NSI Fact Sheet (5/13/2014)](/detroit-michigan-nsi)
+ ## Timeline
diff --git a/chunks/txt/f8bbb414ab9e7e090616b69200298ce9c28d57b3069f8abb1a8955bf314e150b.txt b/chunks/txt/f8bbb414ab9e7e090616b69200298ce9c28d57b3069f8abb1a8955bf314e150b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..066401c275088a255fa7951d76f32b3c9f30a27f
--- /dev/null
+++ b/chunks/txt/f8bbb414ab9e7e090616b69200298ce9c28d57b3069f8abb1a8955bf314e150b.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/reports/prepayment-monitoring-report"
+date_accessed: "2026-01-27T17:48:03.196Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/f8c79208078354bd9620e99856ed50630a668c2ab5dd774bd6dfe7cad59e5eb8.txt b/chunks/txt/f8c79208078354bd9620e99856ed50630a668c2ab5dd774bd6dfe7cad59e5eb8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d177a8448631e3fbeac7888670d55223a08b7510
--- /dev/null
+++ b/chunks/txt/f8c79208078354bd9620e99856ed50630a668c2ab5dd774bd6dfe7cad59e5eb8.txt
@@ -0,0 +1,50 @@
+August 18, 2025
+
+## [Open Data Plan – 2025](/reports/information-resources-management-strategic-plan/open-data-plan/2025)
+ - Stress Tests Reports - Fannie Mae & Freddie Mac
+
+August 15, 2025
+
+## [2024 Dodd-Frank Act Stress Test Results - Severely Adverse Scenario](/reports/stress-tests-report/2024)
+ - Stress Tests Reports - Fannie Mae & Freddie Mac
+
+August 15, 2025
+
+## [2025 Dodd-Frank Act Stress Test Results - Severely Adverse Scenario](/reports/stress-tests-report/2025)
+ - Foreclosure Prevention, Refinance, and FPM Report
+
+August 12, 2025
+
+## [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - May 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/5)
+ - [1](?page=0)
+ - [2](?page=1)
+ - [3](?page=2)
+ - [4](?page=3)
+ - [5](?page=4)
+ - [6](?page=5)
+ - [7](?page=6)
+ - [8](?page=7)
+ - [9](?page=8)
+ - …
+ - [Next](?page=1)
+ - [Last](?page=49)
+
+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/)
diff --git a/chunks/txt/f8d60a6627c58ea19e79fc002719588b47000d916bdcbafaa24e13aaec4b55ec.txt b/chunks/txt/f8d60a6627c58ea19e79fc002719588b47000d916bdcbafaa24e13aaec4b55ec.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1d6270d004a4593c0ebfd12c679aaf53a3721ca2
--- /dev/null
+++ b/chunks/txt/f8d60a6627c58ea19e79fc002719588b47000d916bdcbafaa24e13aaec4b55ec.txt
@@ -0,0 +1,153 @@
+The Closing Disclosure has a name, issuer, issue date, and other metadata. Figure 6 illustrates that the title is the
+only representation of these data points on the form.
+
+0.1 Closing Disclosure
+
+This form is a statement of final loan terms and closing costs. Compare this
+document with your Loan Estimate.
+
+Figure 6. Closing Disclosure
+
+Table 5. UCD File Handling Data
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3 Data
+Point/Attribute
+
+MISMO v3.3.0 Value
+
+Notes
+
+N/A - XML
+
+MESSAGE
+
+@MISMOReference
+ModelIdentifier
+
+3.3.0299
+
+UCD
+UID
+
+0.001
+
+0.054
+
+N/A - XML
+
+@xmlns:gse
+
+http://www.datamod
+elextension.org
+
+0.063
+
+N/A - XML
+
+MESSAGE
+
+@xmlns:xlink
+
+0.064
+
+N/A - XML
+
+MESSAGE
+
+@xmlns
+
+http://www.w3.org/
+1999/xlink
+
+Declaration for xlink
+label usage with
+RELATIONSHIPS
+
+http://www.mismo.o
+rg/residential/2009/s
+chemas
+
+Namespace for
+MISMO schema
+
+0.01
+
+N/A - XML
+
+…/ABOUT_VERSION CreatedDatetime
+
+2015-02-
+17T09:30:47Z
+
+0.047
+
+N/A - XML
+
+…/DOCUMENTS/DOC
+UMENT
+
+@MISMOReference
+ModelIdentifier
+
+3.3.0299
+
+Only acceptable
+format
+Date and time this
+file was created
+
+Only acceptable
+value
+MISMO Reference
+Model build number
+governing the
+representation of this
+document.
+
+Appendix E: UCD Implementation Guide
+
+Page 27 of 254
+
+Version 1.4
+
+Only acceptable
+value
+MISMO Reference
+Model build number
+governing the data in
+this file
+
+Namespace for GSE
+extensions to MISMO
+v3.3.
+
+Uniform Closing Dataset
+
+IV. UCD Data Point Categories
+
+UCD
+UID
+
+0.018
+
+Table 5. UCD File Handling Data
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3 Data
+Point/Attribute MISMO v3.3.0 Value
+
+Notes
+
+N/A - XML
+
+…/AUDIT_TRAIL_ENT
+RY_DETAIL
diff --git a/chunks/txt/f8dd9faa67babdb639fc6b5a42c86195cb6814915361de01efe71bfa6ccf5861.txt b/chunks/txt/f8dd9faa67babdb639fc6b5a42c86195cb6814915361de01efe71bfa6ccf5861.txt
new file mode 100644
index 0000000000000000000000000000000000000000..306f52a5b9f765911896e584a2a94fc75977a0d3
--- /dev/null
+++ b/chunks/txt/f8dd9faa67babdb639fc6b5a42c86195cb6814915361de01efe71bfa6ccf5861.txt
@@ -0,0 +1,5 @@
+Assignment Information ............................................................................................................................................................................................... 31
+
+Contact Information ..................................................................................................................................................................................................... 34
+
+Appraiser and Supervisory Appraiser ........................................................................................................................................................................... 42
diff --git a/chunks/txt/f8efe2e8de1472b02c9a48d6a893064e832fb8ac00a07aa3fc6d05f630d4ee5f.txt b/chunks/txt/f8efe2e8de1472b02c9a48d6a893064e832fb8ac00a07aa3fc6d05f630d4ee5f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..52e93add81625bce23878cd62ed7e64ab751134e
--- /dev/null
+++ b/chunks/txt/f8efe2e8de1472b02c9a48d6a893064e832fb8ac00a07aa3fc6d05f630d4ee5f.txt
@@ -0,0 +1,80 @@
+Manufactured Home – ADUs - Commentary
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+9.026 Manufactured
+Home
+Commentary
+
+If applicable
+
+Free-form
+
+Commentary could include information pertinent to the Manufactured Home
+section that is not captured in the discrete data, or additional details to support
+the discrete data that is provided.
+
+Manufactured Home Exhibits
+
+All photos or images related to the Manufactured Home section are displayed in the Manufactured Home
+Exhibits subsection. If there are no photos or images, this subsection does not display.
+
+Manufactured Home – ADUs - Exhibits
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+See
+iGuide
+
+Manufactured
+Home Exhibits
+
+If applicable
+
+Photos or images
+
+Definition / Additional Guidance
+
+Photos or images relevant to the Manufactured Home section may be
+provided, which display in Manufactured Home Exhibits. If the photo or image
+is not specifically indicated, provide an additional caption to further identify
+each photo or image.
+
+Appendix F-1: URAR Reference Guide
+
+Page 124 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+10 Unit Interior
+
+10 Unit Interior
+
+The Unit Interior section describes the interior of each unit (including an ADU), and provides space for
+commentary and exhibits to support the description, and to report any defects, damages, or deficiencies. The
+section repeats for each living unit and for each ADU.
+
+The “When to Include” column in this chapter references each unit:
+• A living unit or ADU in a dwelling, or
+• An ADU within or attached to an outbuilding, or
+• A standalone ADU that is the outbuilding
diff --git a/chunks/txt/f8fc86d9dd01b417c222f414617e5e2bf997854d196ab0ae02c2a08abfe18161.txt b/chunks/txt/f8fc86d9dd01b417c222f414617e5e2bf997854d196ab0ae02c2a08abfe18161.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5d477c0b6a678bc1ba96a5dc86c3587ff104c3c0
--- /dev/null
+++ b/chunks/txt/f8fc86d9dd01b417c222f414617e5e2bf997854d196ab0ae02c2a08abfe18161.txt
@@ -0,0 +1,35 @@
+Appendix E: UCD Implementation Guide
+
+Page 8 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+I. INTRODUCTION
+
+I. Introduction
+
+The Closing Disclosure is one of the forms specified by the Consumer Financial Protection Bureau’s1 (CFPB's)
+Integrated Mortgage Disclosures final rule (the Regulation) under the Real Estate Settlement Procedures Act
+(Regulation X) and the Truth in Lending Act (Regulation Z). The Regulation was published in the Federal Register
+on December 31, 2013 and subsequently amended.2 With certain exceptions, creditors must provide the Closing
+Disclosure to borrowers and sellers participating in a real estate transaction. This form replaces the HUD-1
+Settlement Statement, and the Good Faith Estimate and Truth in Lending disclosures required by TILA-RESPA.
+
+The Uniform Closing Dataset (UCD) is a set of data elements in electronic format (Extensible Markup Language
+(XML)). UCD conforms to the residential mortgage industry standard dataset administered by the Mortgage
+Industry Standards Maintenance Organization (MISMO). Freddie Mac and Fannie Mae (the GSEs) created
+Appendix I: UCD Delivery Specification (Appendix I) to tie each Closing Disclosure field to one or more MISMO
+v3.3.0 data points. Appendix I lists each data point in the order in which the XML file must be organized to be
+considered “well-formed” and accepted by a recipient’s system. The UCD may be used by any trading partner
+exchanging electronic data about a real estate transaction. Lenders selling loans to either GSE must submit the
+UCD with their loan delivery data.
+
+A. SCOPE
+
+This Appendix E: UCD Implementation Guide, Version 1.4 (I-Guide) was created by the GSEs solely to help users
+understand and implement the Uniform Closing Dataset (UCD). The I-Guide does not seek to interpret the
+Regulation. Instead, it describes how the UCD maps to the Closing Disclosure. Additionally, the I-Guide does not
+explain every possible loan transaction; rather, it focuses on common scenarios for which users may need
+additional illustration to implement the UCD correctly. The examples within are not promulgated by the CFPB.
diff --git a/chunks/txt/f906e3a53a47913431ee6b1e2ede2a670c1c0dbebf6857ffd7ab4bfbe6575bf5.txt b/chunks/txt/f906e3a53a47913431ee6b1e2ede2a670c1c0dbebf6857ffd7ab4bfbe6575bf5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..aa0f2039b913e5971590b1b8b2293733e842ada0
--- /dev/null
+++ b/chunks/txt/f906e3a53a47913431ee6b1e2ede2a670c1c0dbebf6857ffd7ab4bfbe6575bf5.txt
@@ -0,0 +1,36 @@
+Always displays
+
+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.
+
+Always displays
+
+I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in
+this appraisal report.
+I meet the credential requirements for this assignment as of the date of this appraisal report and have knowledge and
+experience in appraising this type of property in this market area.
+I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing
+services, tax assessment records, public land records, and other such data sources for the area in which the property is
+located.
+I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from
+reliable sources that I believe to be true and correct.
+
+Always displays
+
+Always displays
+
+Always displays
+
+Always displays
+
+I personally performed an onsite inspection of the interior and exterior areas of the subject property. I reported the readily
+observable condition of the improvements in factual, specific terms. I identified and reported any known physical
+deficiencies that could affect the soundness or structural integrity of the property.
+
+29.030
+
+10
+
+I personally performed an inspection of the exterior areas of the subject property from at least the street. I reported the
+readily observable condition of the improvements in factual, specific terms. I reported any known physical deficiencies that
+could affect the soundness or structural integrity of the property.
diff --git a/chunks/txt/f90944501bff169e25f4dfa80d9b219a0cba5f243bac97cc93c89585784fc54c.txt b/chunks/txt/f90944501bff169e25f4dfa80d9b219a0cba5f243bac97cc93c89585784fc54c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2b6109f108ac91ae9da348d859d70a5730df73f8
--- /dev/null
+++ b/chunks/txt/f90944501bff169e25f4dfa80d9b219a0cba5f243bac97cc93c89585784fc54c.txt
@@ -0,0 +1,23 @@
+Agree & Join LinkedIn
+
+By clicking Continue to join or sign in, you agree to LinkedIn’s [User Agreement](/legal/user-agreement?trk=linkedin-tc_auth-button_user-agreement), [Privacy Policy](/legal/privacy-policy?trk=linkedin-tc_auth-button_privacy-policy), and [Cookie Policy](/legal/cookie-policy?trk=linkedin-tc_auth-button_cookie-policy). `` `` `` `` `` `` `` ![image]() ## Sign in to see who you already know at Federal Housing Finance Agency
+
+`` `` `` `` `` `` `` `` `` `` Email or phone
+
+Password Show
+
+[Forgot password?](https://www.linkedin.com/uas/request-password-reset?trk=csm-v2_forgot_password) Sign in Sign in with Email or
+
+New to LinkedIn? [Join now](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_contextual-sign-in-modal_join-link)
+
+By clicking Continue to join or sign in, you agree to LinkedIn’s [User Agreement](/legal/user-agreement?trk=linkedin-tc_auth-button_user-agreement), [Privacy Policy](/legal/privacy-policy?trk=linkedin-tc_auth-button_privacy-policy), and [Cookie Policy](/legal/cookie-policy?trk=linkedin-tc_auth-button_cookie-policy).
+
+LinkedIn
+
+LinkedIn is better on the app
+
+Don’t have the app? Get it in the Microsoft Store.
+
+[Open the app](ms-windows-store://pdp/?ProductId=9WZDNCRFJ4Q7&mode=mini&cid=guest_desktop_upsell)
+
+`` ``
diff --git a/chunks/txt/f90990321a0479ce50871ec39fd73765f95c73ac9dfd0614280240c93952f0f1.txt b/chunks/txt/f90990321a0479ce50871ec39fd73765f95c73ac9dfd0614280240c93952f0f1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b58cb284a40384cda281f9bb90fcb0cb2782d006
--- /dev/null
+++ b/chunks/txt/f90990321a0479ce50871ec39fd73765f95c73ac9dfd0614280240c93952f0f1.txt
@@ -0,0 +1,31 @@
+Desktop Underwriter® (DU®) Validation Service
+Integration Impact Memo
+February update
+
+Jan. 5, 2023
+
+During the weekend of February 25, 2023, Fannie Mae will implement changes to the Desktop Underwriter® (DU®) validation
+service.
+
+Please review the following to ensure that your integrated system(s) will be prepared to support this release.
+
+Change to the Equifax Reference ID Model
+An update will be made to how the DU validation service requests Income and Employment Verification (VOIE) reports from The
+Work Number® (TWN) and Tax Transcript reports from Equifax.
+
+NOTE | For lenders who have signed up through Fannie Mae to order Equifax or TWN reports, DU obtains reports from
+Equifax/TWN automatically using the Lender Loan Number on the casefile.
+
+If the report was ordered using an identifier other than the Lender Loan Number associated with the DU submission, lenders
+who have signed up to have their DU Institution use Equifax or TWN may request a report by populating the DU Underwriting
+Verifications section of the loan application with the Tracking Number from the Equifax/TWN report. In this case, the word
+“Placeholder” is passed in the Verification Report Supplier Type field in the DU Underwriting Verifications section of the loan
+application, and DU uses the Tracking Number populated in the Reference ID field to request report(s) from Equifax/TWN.
+When “Placeholder” is submitted in the Verification Report Supplier Type field, DU will use the provided Tracking Number
+instead of the Lender Loan Number to request reports from Equifax/TWN.
+
+As of this release, lenders will be able to request a report from Equifax or TWN using the Reference ID even if they have not signed
+up through Fannie Mae to use Equifax or TWN. Alternatively, lenders will be able to opt out of the process to obtain Equifax and
+TWN reports using the Lender Loan Number while still retaining the ability to request a report from Equifax or TWN using the
+Reference ID. Lenders wishing to opt out of the Lender Loan Number process can use the Fannie Mae DU Validation Service Setup
+Form or reach out to their Fannie Mae relationship manager for help.
diff --git a/chunks/txt/f91e48955a4b7b53c9bd5664cdfe40b9c240cb7cfd38151e16f6e8f83e9c00f6.txt b/chunks/txt/f91e48955a4b7b53c9bd5664cdfe40b9c240cb7cfd38151e16f6e8f83e9c00f6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1b1b05e201f999483b58b1279b7c942795cf3f53
--- /dev/null
+++ b/chunks/txt/f91e48955a4b7b53c9bd5664cdfe40b9c240cb7cfd38151e16f6e8f83e9c00f6.txt
@@ -0,0 +1,144 @@
+33
+
+34
+
+35
+
+36
+
+37
+
+38
+
+39
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+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[@
+_PeriodType=‘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[@
+_PeriodType=‘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.
+
+/VALUATION_RESPONSE/PROPERTY[@_RightsType=‘Leasehold’]
+
+SUBJECT
+
+Property Rights Appraised
+Other
+
+Property Rights
+Type
+
+Specifies the intended property ownership
+rights for the property.
+
+/VALUATION_RESPONSE/PROPERTY[@_RightsType=‘Other’]
+
+8
+
+8
+
+9
+
+9
+
+9
+
+Enumerated UAD Requirement - Refer to Appendix D Subject Section
+
+Enumerated UAD Requirement - Refer to Appendix D Subject Section
+
+Enumerated
+
+Enumerated
+
+Enumerated
+
+If the value of field 1-25 (Project Per Unit Fee
+Amount) is greater than zero, one and only one
+of fields 1-26, 1-27 (values of Project Per Unit
+Fee Period Type) must be indicated.
+If the value of field 1-25 (Project Per Unit Fee
+Amount) is greater than zero, one and only one
+of fields 1-26, 1-27 (values of Project Per Unit
+Fee Period Type) must be indicated.
+One and only one of fields 1-28, 1-29, 1-30
+(values of Property Rights Type) should be
+indicated.
+One and only one of fields 1-28, 1-29, 1-30
+(values of Property Rights Type) should be
+indicated.
+One and only one of fields 1-28, 1-29, 1-30
+(values of Property Rights Type) should be
+indicated.
diff --git a/chunks/txt/f92cb8c6ec0545fd60417bcce0670d9a1c432d0752231672ed1203cab1e08995.txt b/chunks/txt/f92cb8c6ec0545fd60417bcce0670d9a1c432d0752231672ed1203cab1e08995.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fba2c006db617c4ef5a2fd06baa4c8c5f14afb75
--- /dev/null
+++ b/chunks/txt/f92cb8c6ec0545fd60417bcce0670d9a1c432d0752231672ed1203cab1e08995.txt
@@ -0,0 +1,78 @@
+19
+
+String
+
+Allowable Values PDF Display
+WaterView Wtr
+PastoralView Pstrl
+WoodsView Woods
+ParkView Prk
+GolfCourseView Glfvw
+CityViewSkylineView CtySky
+MountainView Mtn
+ResidentialView Res
+CityStreetView CtyStr
+IndustrialView Ind
+PowerLines PwrLn
+LimitedSight LtdSght
+Other *
+
+*See field e-7 directly below.
+
+This data is referenced more than once on the form for the subject property and must be
+represented consistently.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+UAD Requirement - Refer to Appendix D Site Section
+If a view factor not on the list materially affects the value of the subject property, the
+appraiser must select 'Other' and enter a description of the view associated with the
+property. Free-form descriptions should be entered carefully because data will be
+truncated on the appraisal report form if it exceeds available space for that field.
+
+This data is referenced more than once on the form for the subject property and must be
+represented consistently.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+96
+
+97
+
+1
+
+1
+
+90
+
+91
+
+PROJECT SITE Specific Zoning Classification
+
+PROJECT SITE Zoning Description
+
+Site Zoning
+Classification
+Identifier
+
+Site Zoning
+Classification
+Description
+
+Identifies the zoning classification applied
+to the site.
+
+/VALUATION_RESPONSE/PROPERTY/SITE/@_ZoningClassificationIdentifie
+r
+
+25
+
+String
+
+This field should indicate the specific zoning classification of the subject property.
+
+A free-form text field used to describe the
+zoning classification of the property site.
+
+/VALUATION_RESPONSE/PROPERTY/SITE/@_ZoningClassificationDescript
+ion
diff --git a/chunks/txt/f9386e91b8a37ecee552096874a0165b0a983f60ff446e195eaed7818d2789db.txt b/chunks/txt/f9386e91b8a37ecee552096874a0165b0a983f60ff446e195eaed7818d2789db.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ec7f91493ca35cb30a6205c0b9a7294bf091a2d6
--- /dev/null
+++ b/chunks/txt/f9386e91b8a37ecee552096874a0165b0a983f60ff446e195eaed7818d2789db.txt
@@ -0,0 +1,5 @@
+Under the incentive compensation plans, there are two types of deferred salary—fixed and at-risk. The fixed portion is earned in each quarter and will be paid out in full at the end of the same quarter in the following year. At-risk deferred salary is equal to 30 percent of the total direct compensation of each executive and may be reduced based on performance of the company and the individual. The first portion subject to reduction (15 percent) is based upon conservatorship performance, as determined by FHFA. FHFA bases its assessment on an evaluation of performance against the [Scorecard](/reports/conservatorships-performance-goals-scorecard)​. The remaining portion subject to reduction (15 percent) is determined by the Enterprises. Fannie Mae's and Freddie Mac's assessments are based on goals established by their boards of directors.
+
+For incentive plan participants hired after December 31, 2019, at-ri​sk deferred salary earned in each quarter will be paid out at the end of the same quarter of the second calendar year following the quarter in which it was earned.
+
+For incentive plan participants hired before December 31, 2019, at-risk deferred salary earned in each quarter prior to January 1, 2022 will be paid out at the end of the same quarter of the following calendar year, and at-risk deferred salary earned in each quarter after January 1, 2022 will be paid out at the end of the same quarter of the second calendar year following the quarter in which it was earned; provided, however, that as a transition period, one-half of at-risk compensation earned by these incentive plan participants during 2022 will be paid out in 2023 and the remainder will be paid out in 2024.
diff --git a/chunks/txt/f938d5d853621823590f11cb458db3717b597bb726f0aedf6aa21b19c998d7bf.txt b/chunks/txt/f938d5d853621823590f11cb458db3717b597bb726f0aedf6aa21b19c998d7bf.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4673dff0a98efd56e81533fde39762722f073f45
--- /dev/null
+++ b/chunks/txt/f938d5d853621823590f11cb458db3717b597bb726f0aedf6aa21b19c998d7bf.txt
@@ -0,0 +1,150 @@
+Rent Control
+
+If relevant
+
+23.03.17
+23.03.41
+
+Rent
+Concessions
+
+If relevant
+
+Required when the
+row is included in the
+rental comparison grid
+
+Required when the
+row is included in the
+rental comparison grid
+
+Yes | No
+
+Yes | No
+
+Required when the
+row is included in the
+rental comparison grid
+
+Yes | No
+
+Required when the
+row is included in the
+rental comparison grid
+
+Yes | No
+
+Rental Information
+•
+Unit Furnished
+23.01.10
+
+Rental Information
+•
+
+Utilities / Services
+Included 23.01.09
+
+Rental Information
+•
+Unit Subject to
+Rent Control
+23.01.07
+
+Rental Information
+•
+
+Rent Concessions
+23.01.08
+
+Appendix F-1: URAR Reference Guide
+
+Page 297 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+23 Rental Information
+
+Report
+Field ID
+
+23.03.18
+
+Report Label
+
+When Row
+Displays
+
+When to Include for
+each Comparable Unit
+
+Allowable
+Answers / Format
+
+Origin of Subject
+Property Information
+
+Adjustable
+Row
+
+Definition / Additional Guidance
+
+Rental Information: Rental Comparison Grid
+
+Always
+
+Vehicle
+Storage |
+Spaces
+
+Vehicle Storage Type
+for Unit is not reported
+for comparables
+
+No
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+Vehicle Storage Type for
+Unit does not populate
+from Vehicle Storage;
+the appraiser must
+enter information for
+each unit in the Rent
+Schedule
+
+Vehicle Storage Type for Unit
+The type of parking spaces specifically dedicated to the unit.
+•
+•
+•
+•
+•
+•
+•
+•
+•
+
+None (subject unit does not have any available vehicle storage)
+Carport
+Common Carport
+Driveway
+Garage
+Open Lot
+Parking Garage
+Shared Driveway
+Other (Describe)
+
+23.03.18 Vehicle
+
+Always
+
+Storage |
+Spaces
diff --git a/chunks/txt/f9391c2135d00e3ebc1d1da6d5721613aefb875c3dcac317294acdc99d06cdfa.txt b/chunks/txt/f9391c2135d00e3ebc1d1da6d5721613aefb875c3dcac317294acdc99d06cdfa.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8bd70ff3f00d7a4b4849629058f0cafb31bcbec9
--- /dev/null
+++ b/chunks/txt/f9391c2135d00e3ebc1d1da6d5721613aefb875c3dcac317294acdc99d06cdfa.txt
@@ -0,0 +1,65 @@
+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,
+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.
+
+On September 6, 2008, the Director of
+
+FHFA (Director) appointed FHFA as
+conservator of the Enterprises in
+accordance with the Safety and
+Soundness Act, as amended by HERA,
+to maintain the Enterprises in a safe and
+sound financial condition and to help
+assure performance of their public
+mission. The Enterprises remain under
+conservatorship at this time.
+
+B. Statutory Requirements
+
+Section 1127 of HERA amended
+
+section 1326 of the Safety and
+Soundness Act by adding a new
+paragraph (d) which states that, subject
+to the privacy restrictions described in
+section 304(j) of HMDA,1 the Director
+shall, by regulation or order, make
+public certain information relating to
+single-family mortgage data of the
+Enterprises: (1) The same data from the
+Enterprises that is required of insured
+depository institutions under HMDA;
+and (2) information collected by the
+Director under section 1324(b)(6). See
+12 U.S.C. 4544(b)(6), 4546(d). Section
+1324(b)(6), in turn, part of a section
+describing the contents of FHFA’s
+Annual Housing Activities Report
+(AHAR) to Congress, requires FHFA to
+‘‘compare the characteristics of high-
+cost loans purchased and securitized,
+[by each Enterprise] where such
+securities are not held on portfolio to
+loans purchased and securitized, where
+such securities are either retained on
+portfolio or repurchased by the
+[E]nterprise, including such
+characteristics as—(A) The purchase
+price of the property that secures the
+mortgage; (B) the loan-to-value ratio of
+the mortgage, which shall reflect any
+secondary liens on the relevant
+property; (C) the terms of the mortgage;
+(D) the creditworthiness of the
+borrower; and (E) any other relevant
+data, as determined by the Director.’’
+See 12 U.S.C. 4544(b)(6).
diff --git a/chunks/txt/f942bda23a965c2d51f41a82509a712f316ca3f86925c69a26f5e93f238dbaa5.txt b/chunks/txt/f942bda23a965c2d51f41a82509a712f316ca3f86925c69a26f5e93f238dbaa5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6aa60acdc10b64de3a9fcc41cc1437462c03214a
--- /dev/null
+++ b/chunks/txt/f942bda23a965c2d51f41a82509a712f316ca3f86925c69a26f5e93f238dbaa5.txt
@@ -0,0 +1,86 @@
+< SALES_CONTRACTS>
+ <SALES_CONTRACT>
+
+<SALES_CONTRACT_DETAIL>
+
+<PersonalPropertyAmount>30000.00</PersonalPropertyAmount>
+ <PersonalPropertyIncludedIndicator>true</PersonalPropertyIncludedIndicator>
+ <RealPropertyAmount>210000.00</RealPropertyAmount>
+
+</SALES_CONTRACT_DETAIL>
+
+</SALES_CONTRACT>
+
+</SALES_CONTRACTS
+ </SUBJECT_PROPERTY>
+
+</COLLATERAL>
+ </COLLATERALS>
+
+…
+</MESSAGE>
+
+UCD v2.0 Implementation Guide
+
+- 25 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+B. LIABILITY DATA
+
+The LIABILITIES structure captures data about mortgage loans, debts and other obligations that must be paid off in part or
+in full as a condition of securing the mortgage loan.
+
+Table 13. XML File Container Structure for Liability Data.
+
+UCD UID
+
+Container Name
+
+UCD Usage Notes
+
+999.037
+
+LIABILITIES
+
+999.038
+
+LIABILITY
+
+999.572
+
+LIABILITY
+
+One or more groups of liability information. The LIABILITY container holds the liability
+line item data to provide in the XML file.
+
+Holds child containers and data points making up a liability line item. Up to 23 instances
+may be delivered.
+
+Specified for the situation when the borrower pays off a seller’s property lien outside of
+closing as a condition of the purchase.
+
+999.039
+
+LIABILITY_DETAIL
+
+Holds data points describing the liability’s non-payment characteristics.
+
+999.585
+/999.586
+
+999.579/
+999.580
+
+EXTENSION/OTHER
+
+▪ MISMO structure for adding proprietary data to the v3.3.0 version.
+
+▪ This approach enables non-MISMO data to be delivered and validated against
+
+MISMO v3.3.0 as “ok to be in file” but no other validations take place (for example,
+valid values or location in XML file).
diff --git a/chunks/txt/f9646ae829e4c1a27ecfe627b731a73803d37f861c2d557f2e9fd001da3ee0d5.txt b/chunks/txt/f9646ae829e4c1a27ecfe627b731a73803d37f861c2d557f2e9fd001da3ee0d5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7df85c11a42ba9a1b3819faf6e4f11994d07bef5
--- /dev/null
+++ b/chunks/txt/f9646ae829e4c1a27ecfe627b731a73803d37f861c2d557f2e9fd001da3ee0d5.txt
@@ -0,0 +1,161 @@
+Laminate
+
+No damage or condition issues noted
+
+TypicalWearAndTear
+
+Standard Grade - meets market expectations for this type of unit.
+
+Flooring
+
+NotUpdated
+
+No damage or condition issues noted
+
+TypicalWearAndTear
+
+Standard drywall meets market expectations for this type of dwelling.
+
+WallsAndCeiling
+
+EightFeet
+
+Flat
+
+AboveGrade
+
+464
+
+LevelOne
+
+0
+
+0
+
+0
+
+0
+
+0
+
+464
+
+0
+
+true
+
+true
+
+true
+
+ExteriorAccessOnly
+
+0
+
+1
+
+0
+
+C4
+
+Q4
+
+1
+
+NotUpdated
+
+false
+
+Cottage
+
+false
+
+OwnerOccupied
+
+The ADU was built out within the past 5-10 years with standard builder grade materials that are typical for accessory units in this market. The unit has been well maintained with no apparent defects, damages, or deficiencies.
+
+false
+
+\\Images\SF3_ADUBath.png
+
+image/png
+
+LevelOne
+
+No damage or condition issues noted
+
+TypicalWearAndTear
+
+Standard builder grade cabinets and materials
+
+FullBathroom
+
+NotUpdated
+
+\\Images\SF3_ADUKitchen.png
+
+image/png
+
+LevelOne
+
+No damage or condition issues noted
+
+TypicalWearAndTear
+
+Standard builder grade cabinets, materials, and appliances
+
+Kitchen
+
+NotUpdated
+
+\\Images\SF3_ADULivingRoom.png
+
+image/png
+
+LevelOne
+
+LivingRoom
+
+1
+
+464
+
+0
+
+0
+
+The subject's outbuilding is a standalone ADU. Please see the Unit Interior - Standalone ADU for details and comments.
+
+Electric
+
+ForcedWarmAir
+
+PropertyPhoto
+
+\\Images\SF3_DwellingFront.png
+
+image/png
+
+DwellingFront
+
+\\Images\SF3_DwellingFront.png
+
+image/png
+
+Public Street
+
+PropertyAccess
+
+\\Images\SF3_StreetAccess.png
+
+image/png
+
+SalesComparableMap
+
+\\Images\SF3_CompMap.png
+
+image/png
+
+SubjectPropertyImprovementSketch
+
+\\Images\SF3_Sketch.png
diff --git a/chunks/txt/f97718e3106d279c4d6ea91682b90400a13c8b782c28a0acf3b4933a6fd7e0ac.txt b/chunks/txt/f97718e3106d279c4d6ea91682b90400a13c8b782c28a0acf3b4933a6fd7e0ac.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b704ef2d71fda416b611688fb4386d5d95cdbcb3
--- /dev/null
+++ b/chunks/txt/f97718e3106d279c4d6ea91682b90400a13c8b782c28a0acf3b4933a6fd7e0ac.txt
@@ -0,0 +1,44 @@
+[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)
+ - [Dashboards](/data/dashboard)
+ - Enterprise Single-Family Public Use Database Dashboard
+
+# Enterprise Single-Family
+
+Public Use Database Dashboard
+
+##### About
+
+[Single-Family Public Use Database (PUDB)](https://www.fhfa.gov/data/public-use-database) The Single-Family Public Use Database (PUDB) contains Enterprise Single-Family mortgage loan level data, including data elements that have been determined to lose their proprietary character when categorized in ranges or otherwise adjusted or recoded. There are two separate files: a Census Tract File that identifies the census tract location of the mortgaged properties; and a National File that does not identify the location of the mortgaged properties, but contains mortgage-level data and unit class-level data on all Single-Family properties. This dashboards rolls up information from the Census Track File nationally, and merge that with the National File.
diff --git a/chunks/txt/f979485de341a19351e483d36b6b841df1ceaf2c04ac089fd505f3dd55438ccd.txt b/chunks/txt/f979485de341a19351e483d36b6b841df1ceaf2c04ac089fd505f3dd55438ccd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..681a4033d324d4f1bf42c22bd7a478cce7f9ac33
--- /dev/null
+++ b/chunks/txt/f979485de341a19351e483d36b6b841df1ceaf2c04ac089fd505f3dd55438ccd.txt
@@ -0,0 +1,168 @@
+Transfer Terms
+None
+
+Data Source
+MLS
+
+Amount
+
+Date
+
+2
+
+3
+
+Short Sale
+
+None
+
+03/28/2018
+
+$332,000
+
+MLS
+
+MLS
+
+Analysis of Prior Sale and Transfer History of Comparable Sales Comparable 2 was sold via a short sale, the manufactured home has been
+completely remodeled and was listed and resold on the open market.
+
+Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024
+
+Data Source
+
+Proximity to Subject
+
+List Price
+
+Listing Status
+
+Sale Price
+
+Transfer Terms
+
+Sales Concessions
+
+Contract Date
+
+Sale Date
+
+Days on Market
+
+Attached/Detached
+
+Property Rights Appraised
+
+All Rights Included
+
+Rights Not Included
+
+Same Builder as Subject
+
+Site
+
+Site Size
+
+Neighborhood Name
+
+Hazard Zone
+
+Site Influence (Location)
+
+Apparent Environmental
+Conditions
+
+View | Range
+
+Uniform Residential Appraisal Report
+
+Page 19 of 30
+Page 19 of 30
+
+Sales Comparison Approach
+
+General Information
+
+Property Address
+
+Subject Property
+
+Comparable #1
+
+Comparable #2
+
+Comparable #3
+
+123 Anywhere St
+Some City, VA 20141
+
+345 Somewhere Ave
+Some City, VA 20141
+
+222 Canal Blvd
+Anywhere City, VA 20141
+
+98761 State Rd 3
+Anywhere City, VA 20141
+
+This is where the
+Subject Property photo
+would display.
+
+This is where the
+Comparable 1 photo
+would display.
+
+This is where the
+Comparable 2 photo
+would display.
+
+This is where the
+Comparable 3 photo
+would display.
+
+MLS 87598763 |
+Assessor Record
+
+3.71 Miles SE
+
+$440,000
+
+Settled Sale
+
+$435,000
+
+Typically
+Motivated
+
+$12,000
+
+$(6,000)
+
+$0
+
+$0
+
+06/01/2019
+
+08/05/2019
+
+65
+
+Detached
+
+Fee Simple
+
+No
+
+—
+
+—
+
+—
+
+—
+
+—
+
+Detached
diff --git a/chunks/txt/f97fc7871f1182c6a8a8961abf37dbf40886317ff811a83413f7aae850657ab9.txt b/chunks/txt/f97fc7871f1182c6a8a8961abf37dbf40886317ff811a83413f7aae850657ab9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..233d0d517f1e8cff5304c836c5960e01f938eb99
--- /dev/null
+++ b/chunks/txt/f97fc7871f1182c6a8a8961abf37dbf40886317ff811a83413f7aae850657ab9.txt
@@ -0,0 +1,95 @@
+Key Characteristics
+
+•
+
+Project Information
+
+o Property is in a Cooperative Project
+o Tax Abatements apply
+o Project recently converted from apartment complex
+o Project reported Incomplete due to unplanted trees
+o Unit Transfer Fees apply
+• Historical Preservation property
+• Updated Kitchen & Bathrooms
+• One parking space included
+•
+
+The Sales Comparison Approach section includes Additional Properties Analyzed Not Used
+
+Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate
+to information in the URAR.
+
+The URAR sample scenario begins on the next page.
+This cover section, including Introduction and Key Characteristics,
+is not part of the URAR.
+
+Uniform Residential Appraisal Report
+
+700 1ST AVE, NW, UNIT 1206, WASHINGTON, DC 20001
+
+SUMMARY
+
+Opinion of Market Value
+
+$548,999 (Cooperative Interest)
+
+Market Value Condition
+
+As Is
+
+Property Valuation Method
+Appraiser Name
+
+Traditional Appraisal
+Annie Appraiser
+
+Overall Quality
+Overall Condition
+
+Q3
+C3
+
+Effective Date of Appraisal
+Assignment Reason
+Borrower Name
+
+08/28/2019
+Purchase
+John Jones
+Mary Jones
+Current Owner of Public Record Harry Smith
+
+Contract Price
+Listing Status
+
+Property Description
+
+Attachment Type
+Structure Design
+
+Bill Smith
+$585,000
+Pending
+
+Attached
+High-rise
+
+Planned Unit Development (PUD)
+Condominium
+Cooperative
+Condop
+Observed Project Deficiencies
+Subject Site Owned in Common
+
+Units Excluding ADUs
+Accessory Dwelling Units
+
+1
+0
+
+Is the highest and best use of the subject property as
+improved (or as proposed per plans and specifications)
+the present use?
+
+Property Restriction
+Zoning Compliance
diff --git a/chunks/txt/f980dc699234741c2bb1a97ab683592e641a8bd1116d9b23eba83f5cee160eac.txt b/chunks/txt/f980dc699234741c2bb1a97ab683592e641a8bd1116d9b23eba83f5cee160eac.txt
new file mode 100644
index 0000000000000000000000000000000000000000..de5a90abac4049d9f3ff1d5acb50e890fe5ec559
--- /dev/null
+++ b/chunks/txt/f980dc699234741c2bb1a97ab683592e641a8bd1116d9b23eba83f5cee160eac.txt
@@ -0,0 +1,102 @@
+If field 1-39 is indicated, this field must be
+indicated.
+
+Form FNM 1075 FRE 466
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 130 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
+
+41
+
+SUBJECT
+
+Report data source(s) used, offering
+price(s), and date(s).
+
+Listed Within
+Previous Year
+Description
+
+A free-form text describing the offering
+prices, dates, and data sources of the
+previous twelve (12) months of listing.
+
+/VALUATION_RESPONSE/PROPERTY/LISTING_HISTORY/@ListedWithinP
+reviousYearDescription
+
+4000
+
+String
+
+UAD Requirement - Refer to Appendix D Subject Section
+
+If there are no current or prior offerings in the 12 months prior to the effective date of
+the appraisal, then this field must indicate the data sources used to establish this fact.
+Any relevant additional comments must also go in this field.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+42
+
+43
+
+CONTRACT
+
+I did analyze the contract for sale for the
+subject purchase transaction.
+
+Sales Contract
+Reviewed Indicator
+
+Indicates that the sales contract has been
+reviewed.
+
+/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@_ReviewedIn
+dicator='Y']
+
+CONTRACT
+
+I did not analyze the contract for sale for
+the subject purchase transaction.
+
+Sales Contract
+Reviewed Indicator
+
+Indicates that the sales contract has been
+reviewed.
diff --git a/chunks/txt/f99f5189078cd3c55a017291bf4ddfe840092e4d9cfa7929162b1f9a2a319f25.txt b/chunks/txt/f99f5189078cd3c55a017291bf4ddfe840092e4d9cfa7929162b1f9a2a319f25.txt
new file mode 100644
index 0000000000000000000000000000000000000000..98c768aaa3e026984e573cbdaa0a59e0441b37a7
--- /dev/null
+++ b/chunks/txt/f99f5189078cd3c55a017291bf4ddfe840092e4d9cfa7929162b1f9a2a319f25.txt
@@ -0,0 +1,40 @@
+Uniform Closing Dataset (UCD) Collection Solution Enhancements
+Quick Guide for UCD Enhancements
+
+This UCD Collection Solution Enhancements guide provides access to this year’s previous, current, and upcoming UCD updates in an easy-to-read, all-in-one document. See
+the 2022 Release Notes Summary to review an archive of the enhancements to UCD in 2022.
+
+Looking for Feedback Message updates? Review the ‘Revision History’ tab in the UCD Feedback Messages for a summary of this year’s message updates.
+
+Dec. 14, 2023
+
+On the Horizon
+
+Effective
+Date
+
+January 22,
+2024
+
+Impacted Area
+
+UCD User Interface –
+Informational Qualified
+Mortgage Data Point
+Lookup
+
+Description
+
+On Jan. 22, 2024, a new tab will be added to the UCD User Interface (UI) that will display data points related to Qualified
+Mortgage (QM) thresholds.
+
+Lenders are required to deliver data elements related to QM in the UCD file, including the method by which the creditor
+satisfied the Ability to Repay (ATR) requirements or reason for exemption, the Annual Percentage Rate (APR) and Average
+Prime Offer Rate (APOR) percentages, Regulation Z Total Loan Amount, and Regulation Z Total Points and Fees Amount.
+
+These data points are used to perform QM related checks at time of delivery in Loan Delivery. The edits validate that the data
+related to the APR-APOR spread thresholds and points and fees provided in UCD meets the requirements outlined in the
+Lender Letter LL-2021-11.
+
+The new informational tab in the UCD UI will allow a search by Casefile ID to display the values from UCD that are used in
+performing the Loan Delivery QM edits, along with the APR-APOR spread and points and fees percentage for quick reference.
diff --git a/chunks/txt/f9ae74bebf1287a2f8002b92eae3947a3827384165bbebb33a1f164ad509201b.txt b/chunks/txt/f9ae74bebf1287a2f8002b92eae3947a3827384165bbebb33a1f164ad509201b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e59c6ee3ceae24d5cb0d1e2a6193bea3d1e2e8b3
--- /dev/null
+++ b/chunks/txt/f9ae74bebf1287a2f8002b92eae3947a3827384165bbebb33a1f164ad509201b.txt
@@ -0,0 +1,98 @@
+Distressed Market Competition
+Graph
+
+Price Trend Source
+
+31
+$719,000
+$764,000
+$809,000
+No
+Median Days on Market
+Price Trend
+XYZ MLS
+
+Shortage
+
+Marketing Time
+
+Under 3 months
+
+Subject location is close to public transportation and employment centers, resulting in high demand for housing under $1 million. The
+identified market segment covers the bedroom community outside southeast LA.
+
+Market Exhibits
+
+Median Days on Market
+
+This is where the Median Days on Market Graph would display.
+
+Price Trend
+
+This is where the Price Trends Graph would display.
+
+Appraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1)
+
+Uniform Residential Appraisal Report
+
+Page 11 of 22
+Page 11 of 22
+
+Project Information
+
+Planned Unit Development (PUD) 
+
+Condominium 
+
+Cooperative 
+
+Condop 
+
+The MI5
+
+Project Name
+Project Information Data Source Condominium Questionnaire
+Total Units
+Units Sold
+Units for Sale
+Units Rented
+
+36
+34
+2
+~3
+
+Project Completeness
+
+Are units, common areas, and amenities in project
+complete?
+Converted in Past 3 Years
+
+Reason Units Rented is Estimated The appraiser was unable to
+obtain an exact count of renters due to incomplete data on the
+Condo Questionnaire.
+Mandatory Fees (HOA, PUD, or Co-op)
+
+Ground Rent
+
+Monthly Amount
+Common Amenities/
+Services Included
+
+Utilities Included
+
+Observed Deficiencies
+
+$604
+
+Built-in Pool
+Inground Spa
+Unit Storage (Assigned)
+Sanitary Sewer
+Water
+
+Yes No
+ 
+
+Description of Deficiencies There is on-going renovation of
+balconies on the building due to settlement cracking.
diff --git a/chunks/txt/f9b8b49adedd1a36ca5456b20a6d68ac5dfbe6a6661af27a037bf2b3d79176df.txt b/chunks/txt/f9b8b49adedd1a36ca5456b20a6d68ac5dfbe6a6661af27a037bf2b3d79176df.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d82b8a8aaf1c31b6ac8e7f691102ba63b25d1df7
--- /dev/null
+++ b/chunks/txt/f9b8b49adedd1a36ca5456b20a6d68ac5dfbe6a6661af27a037bf2b3d79176df.txt
@@ -0,0 +1,95 @@
+I
+
+S
+E
+C
+T
+O
+N
+h
+t
+i
+
+w
+D
+O
+R
+P
+2
+4
+C
+V
+5
+F
+9
+K
+S
+D
+n
+o
+
+r
+e
+t
+t
+o
+
+l
+
+34202
+
+Federal Register / Vol. 85, No. 107 / Wednesday, June 3, 2020 / Notices
+
+guaranteed by the Department of
+Veterans Affairs, guaranteed by the
+Rural Housing Service or the Farm
+Service Agency, or Conventional.72 The
+current PUDB Single-Family Census
+Tract File includes a data field for
+Federal Guarantee, which conforms
+with HMDA Loan Type. Federal
+Guarantee will continue to be disclosed
+without modification in the PUDB
+Single-Family Census Tract File, in
+conformance with the CFPB Privacy
+Guidance.73
+
+Property Location: Property Location
+
+is an unchanged HMDA element that
+includes values for the State, County,
+and Census Tract location of the
+mortgaged property.74 Data elements for
+these values are currently disclosed in
+the PUDB Single-Family Census Tract
+File without modification, in
+conformance with the CFPB Privacy
+Guidance.75 They will continue to be
+disclosed without modification in this
+File.
+
+Income: Income is an unchanged
+
+HMDA data element disclosing the gross
+annual borrower income relied on in
+making the credit decision.76 The
+current PUDB Single-Family Census
+Tract File discloses this data as
+Borrower’s Annual Income rounded to
+the nearest $1,000, which conforms
+with the CFPB Privacy Guidance.77
+Income will continue to be disclosed in
+this manner in this File.
+
+Type of Purchaser: Type of Purchaser
+
+is a modified HMDA data element
+reported by a loan originator that
+indicates the type of purchaser for loans
+sold within the same calendar year as
+origination.78 This includes separate
+values for Fannie Mae and Freddie
+Mac.79 All Files in the current Single-
+Family PUDB include an Enterprise
+Flag, which is equivalent to the HMDA
+Type of Purchaser values for Fannie
diff --git a/chunks/txt/f9b8b5e2f06ae78a14abed428da052bb34488dd0228f722b37ff8f3a6c737b42.txt b/chunks/txt/f9b8b5e2f06ae78a14abed428da052bb34488dd0228f722b37ff8f3a6c737b42.txt
new file mode 100644
index 0000000000000000000000000000000000000000..14fb3917ceeb23e374d14c9997b0da7961cdef7f
--- /dev/null
+++ b/chunks/txt/f9b8b5e2f06ae78a14abed428da052bb34488dd0228f722b37ff8f3a6c737b42.txt
@@ -0,0 +1,112 @@
+Reason Not Used
+Bathroom Count
+Bedroom Count
+
+08/15/2019
+
+Settled Sale
+
+08/20/2019
+
+Settled Sale
+
+Bathroom Count
+Finished Area
+
+Bathroom Count
+Finished Area
+
+Comment
+Superior utility resulted in a higher sale price.
+
+Larger unit offering greater utility.
+
+Smaller unit offering less utility.
+
+08/26/2019
+
+Settled Sale
+
+Condition
+
+Was listed as a “fixer upper” by the agent.
+
+08/30/2019
+
+Settled Sale
+
+Condition
+Finished Area
+
+Much larger unit that was recently renovated.
+
+Appraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1)
+
+Uniform Residential Appraisal Report
+
+Page 17 of 22
+Page 17 of 22
+
+Sales Comparison Approach (continued)
+
+PG BRK
+
+Sales Comparison Map
+
+Appraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1)
+
+Uniform Residential Appraisal Report
+
+Page 18 of 22
+Page 18 of 22
+
+Sales Comparison Approach (continued)
+
+PG BRK
+
+Sales Comparison Approach Exhibits
+
+Comparable #1
+
+Comparable #2
+
+Comparable #3
+
+Comparable #4
+
+Reconciliation
+
+Approaches to Value
+
+Indicated Value
+
+Reason for Exclusion
+
+Sales Comparison Approach
+$778,000
+
+Income Approach
+
+Cost Approach
+
+Not Necessary for Credible Results
+
+Not Necessary for Credible Results
+
+Appraisal Summary
+
+Opinion of Market Value
+Market Value Condition
+
+$778,000
+As Is
+
+Reasonable Exposure Time
+Effective Date of Appraisal
+
+90 days
+09/08/2019
+
+Reconciliation of Market Value
+
+Utilize this subsection for additional commentary as required by USPAP.
diff --git a/chunks/txt/f9ba6424c24b75ca2e45e076fbc7799acf0c6b6317d66cc70b76f61f3380bef0.txt b/chunks/txt/f9ba6424c24b75ca2e45e076fbc7799acf0c6b6317d66cc70b76f61f3380bef0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ecccffa0e652be11326497a16366eb5d7fc52990
--- /dev/null
+++ b/chunks/txt/f9ba6424c24b75ca2e45e076fbc7799acf0c6b6317d66cc70b76f61f3380bef0.txt
@@ -0,0 +1,25 @@
+***Frau******d**for Profit*** usually involves industry insiders such as appraisers, brokers, and loan originators. Such schemes aim to gain cash or home equity through abuse of the mortgage lending process.
+
+***Fraud for Housing***primarily consists of illegal actions by borrowers motivated to acquire or maintain ownership of a home.
+
+Mortgage fraud can occur through the actions of borrowers and through the actions of mortgage industry professionals in connection with obtaining a mortgage loan.
+
+Common instances of fraud committed by borrowers and mortgage industry professionals include:
+
+- Providing false information regarding employment status, income level, or employer;
+ - Misrepresenting the source of funds for a borrower’s down payment;
+ - Falsifying a borrower’s credit score and/or outstanding debts and liabilities;
+ - Misrepresenting a borrower’s intent to occupy the property
+ - Providing false information concerning a borrower’s identity;
+ - Using inaccurate appraisal figures to misrepresent the true value of a property;
+ - Obtaining multiple loans on a single property based on false information;
+ - Providing false property information to secure or modify a loan; and​
+ - Misrepresenting income, hardship, or related information to halt foreclosure or influence a short-sale decision.​
+
+Image
+
+![red triangular shape with word mortgage and yellow tape wrapped around reading fraud ](/sites/default/files/styles/large/public/2023-04/mortgage-fraud-2021.png?itok=SWNhiLc2)
+
+#### Common Mortgage Relief Fraud Schemes
+
+Mortgage fraud risk is present during the life of a loan, especially if a borrower encounters financial hardship. While legitimate assistance programs are available to borrowers, there are many schemes to defraud borrowers undergoing hardship. Borrowers should carefully review mortgage or foreclosure relief, loan modification, or debt elimination offers, especially offers requiring up-front payments. The most common foreclosure assistance and loan modification scams include:
diff --git a/chunks/txt/f9bef4bec7766b9db084584158675d6ba5f170ff1f2f20dd5a52ffa2e834c9d6.txt b/chunks/txt/f9bef4bec7766b9db084584158675d6ba5f170ff1f2f20dd5a52ffa2e834c9d6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9b9416c60b1bc70a3dc994e42403ec832d81935a
--- /dev/null
+++ b/chunks/txt/f9bef4bec7766b9db084584158675d6ba5f170ff1f2f20dd5a52ffa2e834c9d6.txt
@@ -0,0 +1,72 @@
+999.001 MESSAGE
+
+Holds a series of attributes identifying the XML schema files governing the
+data used in UCD v2.0. These attributes can also be called “Declarations”.
+
+ABOUT_VERSIONS/ ABOUT_VERSION
+
+▪ MISMO construct. Plural containers enable and hold multiple sequential
+
+999.002 |
+999.003
+
+999.004 |
+999.005
+
+999.008 |
+999.009
+
+999.014 DEAL_SETS
+
+DOCUMENT_SETS/DOCUMENT_SET
+
+DOCUMENTS/DOCUMENT
+
+occurrences of the singular child container.
+
+▪ The UCD XML file accepts only one instance of ABOUT_VERSION to
+
+identifies the version of UCD on which the XML file is based (“UCD2.0”)
+and the date the XML file was created.
+
+MISMO structure indicating the UCD XML file contains both data and a
+document (the PDF version of the CD). The UCD XML file accepts one
+instance of each of these containers.
+
+When an XML file includes both data and document(s), DOCUMENT holds
+information about the document, the embedded document, and the entire
+data structure.
+
+The parent container for the XML data payload. It is under DOCUMENT so
+that the data describing a CD and the VIEW of the CD are “contained”
+together.
+
+999.015 |
+999.016 |
+999.017
+
+DEAL_SET/DEALS/DEAL
+
+▪ DEAL_SET holds containers that span the life of the loan once it has been
+
+securitized.
+
+▪ DEALS holds containers that group together one or more loans.
+
+▪ DEAL holds all the information about one loan transaction.
+
+999.638 |
+999.639
+
+PARTIES/PARTY
+[PartyRoleType=”LoanDeliveryFilePreparer”]
+
+Groups sets of containers categorizing information about the party
+delivering the XML file.
+
+999.461 |
+999.462 |
+999.463 |
+999.464
+
+VIEWS/VIEW/ VIEW_FILES/VIEW_FILE
diff --git a/chunks/txt/f9c1d9085160126801a0bea6f93ef1b5c36bb1595e4b27344b291eb84a3615c7.txt b/chunks/txt/f9c1d9085160126801a0bea6f93ef1b5c36bb1595e4b27344b291eb84a3615c7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4d5a56e43fb794788c003ef2670fa04dd3cd4fc2
--- /dev/null
+++ b/chunks/txt/f9c1d9085160126801a0bea6f93ef1b5c36bb1595e4b27344b291eb84a3615c7.txt
@@ -0,0 +1,56 @@
+• Worn floor finishes or carpet that shows age
+
+• Kitchen or bathrooms that are dated but fully functional
+
+The dwelling exhibits significant wear
+and tear resulting from inadequate
+maintenance, but the soundness and
+
+A dwelling in C5 condition has items that will need to be repaired,
+rehabilitated, or replaced in the near future for the dwelling to remain
+useable and functional.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 89 of 166
+
+UAD 3.6 Policy
+
+structural integrity are sufficient to
+support occupancy. Some components
+may be missing or near the end of their
+useful life, but major components are
+still functional.
+
+C6
+
+The dwelling features an extreme lack of
+maintenance, resulting in severe
+damages, deficiencies, or defects that
+impact the soundness or structural
+integrity, and the dwelling is not suitable
+for occupancy. There are major
+components that may be missing, no
+longer functional, or otherwise require
+immediate correction.
+
+Examples include, but are not limited to:
+
+• Roofing that is significantly worn, cupped, or curled but with no
+apparent active leaks
+
+• Severely worn, damaged, or missing floor coverings
+
+• Functional kitchen or bathroom that may be in disrepair (e.g.,
+damaged or missing cabinets or countertops).
+
+A dwelling in C6 condition is not useable or functional in its current
+state, and will require immediate repairs, rehabilitation, or replacement
+of key components.
+
+Examples include, but are not limited to:
+
+• Active roof leaks
+
+• Damaged or missing exterior components that allow weather intrusion
+into the dwelling with resultant structural impact or damage
diff --git a/chunks/txt/f9c7d8bd41bcf38a67f7c111fa0bfb27d782d10670714f1eee0cdd5b46c4a337.txt b/chunks/txt/f9c7d8bd41bcf38a67f7c111fa0bfb27d782d10670714f1eee0cdd5b46c4a337.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5eaa6a64c89b1cf3b874c3ae12fce8aa01d7c865
--- /dev/null
+++ b/chunks/txt/f9c7d8bd41bcf38a67f7c111fa0bfb27d782d10670714f1eee0cdd5b46c4a337.txt
@@ -0,0 +1,233 @@
+Either field 2-33 or, at least one of fields 2-
+34, 2-35, 2-36, 2-37, 2-38, 2-39, 2-40, 2-41
+(Unit Charge Utility Included In Assessment
+Indicator = 'Y' and values of Unit Charge
+Utility Type) should be indicated.
+
+Either field 2-33 or, at least one of fields 2-
+34, 2-35, 2-36, 2-37, 2-38, 2-39, 2-40, 2-41
+(Unit Charge Utility Included In Assessment
+Indicator = 'Y' and values of Unit Charge
+Utility Type) should be indicated.
+
+Either field 2-33 or, at least one of fields 2-
+34, 2-35, 2-36, 2-37, 2-38, 2-39, 2-40, 2-41
+(Unit Charge Utility Included In Assessment
+Indicator = 'Y' and values of Unit Charge
+Utility Type) should be indicated.
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+Form FNM 1075 FRE 466
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 144 of 211
+
+Document Version 1.4
+
+Implementation Notes
+
+Conditionality Description
+
+Data Field
+Conditionality
+
+Format
+
+Boolean
+
+Boolean
+
+Boolean
+
+Enumerated
+
+Enumerated
+
+Enumerated
+
+Enumerated
+
+Enumerated
+
+Enumerated
+
+String
+
+String
+
+Sort ID
+
+Form
+Page
+
+Form
+Reference
+Number
+
+Form Section
+
+Form Field Label
+
+Data Point Name
+
+Data Point Definition
+
+XPath
+
+Data Point Field
+Length
+
+241
+
+242
+
+243
+
+244
+
+245
+
+246
+
+247
+
+248
+
+249
+
+250
+
+251
+
+252
+
+253
+
+254
+
+255
+
+256
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+39
+
+40
+
+41
+
+42
+
+43
+
+44
+
+45
+
+46
+
+47
+
+48
+
+49
+
+50
+
+51
+
+52
+
+53
+
+54
+
+UNIT
+IMPROVEMENTS
+
+Utilities included in the unit monthly
+assessment
+Sewer
+
+UNIT
+IMPROVEMENTS
+
+Utilities included in the unit monthly
+assessment
+Cable
+
+UNIT
+IMPROVEMENTS
+
+Utilities included in the unit monthly
+assessment
+Other
+
+UNIT
+IMPROVEMENTS
+
+UNIT
+IMPROVEMENTS
+
+UNIT
+IMPROVEMENTS
diff --git a/chunks/txt/f9de25fc08a830575f4762c0ebf601f7676879c7d3051618594ea3246e687335.txt b/chunks/txt/f9de25fc08a830575f4762c0ebf601f7676879c7d3051618594ea3246e687335.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a802dc70e88dda571aaae68f09c408e100325fd7
--- /dev/null
+++ b/chunks/txt/f9de25fc08a830575f4762c0ebf601f7676879c7d3051618594ea3246e687335.txt
@@ -0,0 +1,87 @@
+Assistance subsection)
+
+• Entity providing a property data report (Property Data Report subsection)
+
+Select Role(s) for all the contacts that are identified in the Assignment Information section. When selecting
+Role(s) to associate with a contact, select the ones that most closely identify the role(s) the contact performed
+as part of the assignment.
+• Select as many Roles as are applicable but at least one for each identified contact.
+
+Report
+Field ID
+
+2.010
+2.011
+
+Report Label
+
+When to Include
+
+N/A
+
+Always required for
+each contact (person)
+
+Assignment: Contact Information – Role
+
+Allowable
+Answers / Format
+
+Choose allowable
+answers from
+tables (Lender,
+Client, and AMC),
+(Appraiser and
+Supervisory
+Appraiser),
+(Significant Real
+Property Appraisal
+Assistance), and
+(Property Data
+Collector)
+
+Definition / Additional Guidance
+
+Role: The role that the person or company performed in the assignment.
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+
+Appraisal Management Company
+Appraiser
+Attorney
+Client
+Investor
+Lender
+Property Data Collector
+Significant Real Property Appraisal Assistance
+Supervisory Appraiser
+Other (Describe)
+
+Select all applicable roles but at least one Role for each contact that is in the
+appraisal report.
+
+Appendix F-1: URAR Reference Guide
+
+Page 36 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+02 Assignment Information
+
+Lender, Client, and AMC
+
+This portion of the Contact Information subsection shows details about the lender, client, and / or AMC.
+Contacts display here when Role is Lender, Client or AMC.
+
+Choose one contact as the Client in addition to any other role the client has been associated with. Note that
+Client, Lender, and AMC are all identified as Roles in this section.
diff --git a/chunks/txt/f9e8658e923258ab98d5baa64e88728968bd1ffd5037c048397ba4e57f4f7fb3.txt b/chunks/txt/f9e8658e923258ab98d5baa64e88728968bd1ffd5037c048397ba4e57f4f7fb3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9bfe33ebc43861381747a7865ad8eeffe72eedb9
--- /dev/null
+++ b/chunks/txt/f9e8658e923258ab98d5baa64e88728968bd1ffd5037c048397ba4e57f4f7fb3.txt
@@ -0,0 +1,27 @@
+##### Integration Test Cases
+
+- [DU Specification Test Case Suite](/media/document/zip/du-specification-test-case-suite)
+ - [Test Credit Report Procedures](/media/document/pdf/test-credit-report-procedures)
+ - [Test Credit Report Characteristics](/media/document/pdf/test-credit-report-characteristics)
+
+##### Desktop Underwriter Technology Service Provider List
+
+- [Vendors Approved to Support Redesigned Form 1003/DU Spec](/integrated-vendor-list)
+
+Developer Portal
+
+##### Release Notes
+
+- [Developer Portal Releases](https://developer.fanniemae.com/#/get-started/release-notes)
+
+DU Validation Service
+
+##### Integration Impact Memos
+
+- [DU/DO Integration Impact Memo | Mar. 22, 2025](https://singlefamily.fanniemae.com/media/document/pdf/dudo-integration-impact-memo-mar-22-2025)
+- [DU Validation Service Integration Impact Memo | February 2025](/media/document/pdf/du-validation-service-integration-impact-memo-february-2025)
+- [DU Validation Service Integration Impact Memo | August 2024](/media/document/pdf/du-validation-service-integration-impact-memo-august-2024)
+- [DU Validation Service Integration Impact Memo | March 2024](/media/document/pdf/du-validation-service-integration-impact-memo-march-2024)
+- [DU Validation Service Integration Impact Memo | February 2023](https://singlefamily.fanniemae.com/media/document/pdf/du-validation-service-integration-impact-memo-february-2023)
+- [DU Validation Service Integration Impact Memo | April 2021](/media/document/pdf/du-validation-service-integration-impact-memo-april-2021)
+- [DU Validation Service Integration Impact Memo | November 2020](/media/document/pdf/du-validation-service-integration-impact-memo-november-2020)
diff --git a/chunks/txt/f9ecb4f4b35f5cc8a15e3962421e89a975119c51b4c92705d4cfc9ee6c88b678.txt b/chunks/txt/f9ecb4f4b35f5cc8a15e3962421e89a975119c51b4c92705d4cfc9ee6c88b678.txt
new file mode 100644
index 0000000000000000000000000000000000000000..afe5c9bd0a22fa9d67d3d912182c8e81fc97cabd
--- /dev/null
+++ b/chunks/txt/f9ecb4f4b35f5cc8a15e3962421e89a975119c51b4c92705d4cfc9ee6c88b678.txt
@@ -0,0 +1,111 @@
+19
+
+Enumerated
+
+Allowable Values PDF Display
+WaterView Wtr
+PastoralView Pstrl
+WoodsView Woods
+ParkView Prk
+GolfCourseView Glfvw
+CityViewSkylineView CtySky
+MountainView Mtn
+ResidentialView Res
+CityStreetView CtyStr
+IndustrialView Ind
+PowerLines PwrLn
+LimitedSight LtdSght
+Other *
+
+*See field e-7 directly below.
+
+347
+
+348
+
+349
+
+350
+
+351
+
+3
+
+3
+
+3
+
+3
+
+3
+
+e-7
+
+29
+
+30
+
+e-17
+
+31
+
+SALES
+COMPARISON
+APPROACH
+
+View
+
+(View Type Other Description)
+
+GSE View Type
+Other Description
+
+The type of view associated with the
+property if other is selected.
+
+SALES
+COMPARISON
+APPROACH
+
+Design (Style)
+
+Sale Price
+Adjustment
+Description
+
+A free form text field used to further
+describe the property feature which is
+identified by Sales Price Adjustment
+Type. (i.e. Location, Condition, etc.)
+
+SALES
+COMPARISON
+APPROACH
+
+Quality of Construction
+
+GSE Quality Of
+Construction Rating
+Type
+
+The overall rating of the property's quality
+of construction.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_V
+IEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL_EXTENSION_
+SECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_DATA
+/COMPARISON_VIEW_DETAIL[@GSEViewType='Other']/@GSEViewTypeOt
+herDescription
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD
+JUSTMENT[@_Type='DesignStyle']/@_Description
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D
+ETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex
+tensionSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM
+PARISON_DETAIL/@GSEQualityOfConstructionRatingType
diff --git a/chunks/txt/f9f4f988f1fcfdf1e8d6ccde32d6e0a735364dd0ba4851f02388d8a6ea30fa11.txt b/chunks/txt/f9f4f988f1fcfdf1e8d6ccde32d6e0a735364dd0ba4851f02388d8a6ea30fa11.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1fab32d891f0ff58236660b9c7a8703ae35e65f3
--- /dev/null
+++ b/chunks/txt/f9f4f988f1fcfdf1e8d6ccde32d6e0a735364dd0ba4851f02388d8a6ea30fa11.txt
@@ -0,0 +1,87 @@
+8.108
+
+FeeActualPaymentAmount
+
+8.107
+
+FeePaymentPaidByType
+
+8.070
+
+FeePaymentPaidOutsideOfClosingIndicato
+r
+
+500.00
+
+Buyer
+
+false
+
+N O T E : The data point FeePercentBasisType has been removed from UCD v2.0. FeeActualTotalAmount is no longer used
+for ucd:FeeItemType = “EscrowWaiverFee”. The regular line item pattern is now used for this enumeration.
+
+Figure 69. XML Snippet-Representative ucd:FeeItemType Line Item Data.
+
+<MESSAGE>
+…
+<DEAL>
+ <LOANS>
+ <LOAN>
+
+<FEE_INFORMATION>
+
+<FEES>
+
+<!-- A. Origination Charges -->
+
+<FEE>
+ <FEE_DETAIL>
+ <FeePaidToType>Lender</FeePaidToType>
+ <FeeTotalPercent>1.0000</FeeTotalPercent>
+ <IntegratedDisclosureSectionType>OriginationCharges</IntegratedDisclosureSectionType>
+ <RegulationZPointsAndFeesIndicator>true</RegulationZPointsAndFeesIndicator>
+ <EXTENSION>
+ <OTHER>
+
+<ucd:FEE_DETAIL_EXTENSION>
+
+<ucd:FeeItemType>LoanDiscountPoints</ucd:FeeItemType>
+
+</ucd:FEE_DETAIL_EXTENSION>
+
+</OTHER>
+ </EXTENSION>
+
+UCD v2.0 Implementation Guide
+
+- 97 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Figure 69. XML Snippet-Representative ucd:FeeItemType Line Item Data.
+
+</FEE_DETAIL>
+ <FEE_PAYMENTS>
+ <FEE_PAYMENT>
+
+<FeeActualPaymentAmount>2110.00</FeeActualPaymentAmount>
+ <FeePaymentPaidByType>Buyer</FeePaymentPaidByType>
+ <FeePaymentPaidOutsideOfClosingIndicator>false</FeePaymentPaidOutsideOfClosingIndicator>
+
+</FEE_PAYMENT>
+ </FEE_PAYMENTS>
+</FEE>
+
+<!-- B. Services Borrower Did Not Shop For -->
+
+<FEE>
+ <FEE_DETAIL>
+ <FeePaidToType>ThirdPartyProvider</FeePaidToType>
+ <IntegratedDisclosureSectionType>OriginationCharges</IntegratedDisclosureSectionType>
+ <RegulationZPointsAndFeesIndicator>false</RegulationZPointsAndFeesIndicator>
+ <EXTENSION>
+ <OTHER>
diff --git a/chunks/txt/f9f5b1d7c9050a81125316934ac049e2e4da4d180a3d26aebf8c7f2c554763ea.txt b/chunks/txt/f9f5b1d7c9050a81125316934ac049e2e4da4d180a3d26aebf8c7f2c554763ea.txt
new file mode 100644
index 0000000000000000000000000000000000000000..26a7c1d9974d79b75bacc84d70c4620ac942b0e7
--- /dev/null
+++ b/chunks/txt/f9f5b1d7c9050a81125316934ac049e2e4da4d180a3d26aebf8c7f2c554763ea.txt
@@ -0,0 +1,36 @@
+Page 8
+
+Data Entry Aid
+
+11. Integrate to trend data sources and supporting information as a data entry aid.
+
+Purpose: Ease data entry; confirm information is entered accurately.
+
+• Allow user to select information (data, charts) and add to report.
+• Allow user to modify as needed.
+
+12. Provide a custom solution and/or integrate with sketch software and calculate the area in the Sketch
+
+section. Calculations should be allowed to be overwritten.
+Purpose: Ease data entry; confirm information is entered accurately.
+
+Calculations from Sketch section
+
+• Populate Unit Interior - Area Breakdown
+
+o Area Breakdown
+
+▪ Finished Above Grade
+▪ Finished Above Grade (Nonstandard)
+▪ Unfinished Above Grade
+▪ Finished Below Grade
+▪ Finished Below Grade (Nonstandard)
+▪ Unfinished Below Grade
+
+• Populate Dwelling Exterior - Noncontinuous Finished Area
+
+o Total Area
+
+Appendix B-1 URAR Implementation Guide - Supplement - Usability and Implementation Guidance v1.0
+
+Page 9
diff --git a/chunks/txt/fa0e1c18b769b8790151ef9a77bc9920a51d1d1887288db5054196716fc2249e.txt b/chunks/txt/fa0e1c18b769b8790151ef9a77bc9920a51d1d1887288db5054196716fc2249e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b812c2d995bc87f4d5c863dc094f36bab1ceadb6
--- /dev/null
+++ b/chunks/txt/fa0e1c18b769b8790151ef9a77bc9920a51d1d1887288db5054196716fc2249e.txt
@@ -0,0 +1,96 @@
+Appraiser Reference ID LN32942301 Client Reference ID 456-8124 Completion Version #1Fannie Mae | Freddie Mac September 2024
+
+Completion Report
+
+Completion Report Exhibits
+
+Page 2 of 3
+
+Itemized List of Repairs - Mechanical System - Water Heater
+
+New Observed Items for Repair - Flooring - Basement Carpeting
+
+This is where the Water Heater photo would display.
+
+This is where the Carpet photo would display.
+
+Mary Jones
+Michael Jones
+
+Appraiser Fee
+
+$0
+
+Assignment Information
+
+Borrower Name
+
+Contact Information
+
+Client/Lender
+
+Company Name
+Company Address
+
+Appraiser
+
+Name
+Company Name
+Company Address
+
+ABC Mortgage Company
+456 Somewhere Ave
+Sometown, NV 55555
+
+Amy Appraiser
+XYZ Appraisal Company
+22 A Street NE
+Washington DC 10001
+
+Scope of Inspection by Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date
+
+Physical
+Physical
+08/21/2009
+
+Credentials
+
+Level
+ID
+State
+Expires
+
+Licensed Residential
+3333333333
+MD
+10/21/2010
+
+Appraiser Reference ID LN32942301 Client Reference ID 456-8124 Completion Version #1Fannie Mae | Freddie Mac September 2024
+
+Completion Report
+
+Intended Use
+
+Page 3 of 3
+
+The intended use of this certification of completion is for the lender/client to confirm that the requirements or conditions stated in the
+appraisal report referenced above have been met.
+
+Intended User
+
+The intended user of this report is the lender/client.
+
+Certifications
+
+Appraiser Certifications
+
+The Appraiser certifies and agrees that:
+
+1. I have no present or prospective interest in the subject property, or relationship with the present or prospective owners or occupants of the
+subject property, or other parties involved in this transaction.
diff --git a/chunks/txt/fa0edd77d685e12875aa2de6f433ab16483e96204dafdd3cb577f18fbc2cd8fe.txt b/chunks/txt/fa0edd77d685e12875aa2de6f433ab16483e96204dafdd3cb577f18fbc2cd8fe.txt
new file mode 100644
index 0000000000000000000000000000000000000000..27b150d07df2664112acc3adbe09818c5598c8b7
--- /dev/null
+++ b/chunks/txt/fa0edd77d685e12875aa2de6f433ab16483e96204dafdd3cb577f18fbc2cd8fe.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/data/underserved-areas"
+date_accessed: "2026-01-27T17:54:20.584Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/fa10b2f48712ddf5ee96321738643318f54352aa0cc9b02a7285cc87f0563471.txt b/chunks/txt/fa10b2f48712ddf5ee96321738643318f54352aa0cc9b02a7285cc87f0563471.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2acb9cb88e1573599b43068b7846c02cab0ff965
--- /dev/null
+++ b/chunks/txt/fa10b2f48712ddf5ee96321738643318f54352aa0cc9b02a7285cc87f0563471.txt
@@ -0,0 +1,105 @@
+08 Assignment Information
+
+Report
+Field ID
+
+08.019
+08.034
+
+Assignment Information: Contact Information – Scope of Inspection for Subject Property
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Subject Property
+Inspection
+Inspection Date
+
+Always required for
+the appraiser and
+supervisory appraiser
+for any physical or
+virtual inspection that
+was performed
+
+mm/dd/yyyy
+
+Date that the subject property inspection was completed.
+
+Note: If both Exterior Inspection Method and Interior Inspection Method are No
+Inspection, Inspection Date is not applicable and does not display.
+
+Appraiser and Supervisory Appraiser Credentials
+
+Credential information from the state in which the property is located must be provided for the appraiser and
+supervisory appraiser.
+
+Assignment: Contact Information - Appraiser and / or Supervisory Appraiser Credentials
+
+Report
+Field ID
+
+08.020
+08.035
+
+Report Label
+
+When to Include
+
+Level
+
+Required for the
+appraiser and
+supervisory appraiser
+
+Allowable
+Answers / Format
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+Definition / Additional Guidance
+
+Credential Type
+•
+
+None (includes noncredentialled appraiser trainees or jurisdictions that
+do not provide credentials to appraiser trainees)
+Certified General
+Certified Residential
+Licensed Residential
+Trainee Appraiser (appraiser trainees with an issued credential, also
+referred to as Registered Trainee)
+Other (Describe)
+
+•
+•
+•
+•
+
+•
+
+ID
+
+08.021
+08.036
+
+Required if Credential
+Type is not None
+
+Free-form
+
+The credential as reported by the ASC. Commonly referred to as “credential
+number,” “license number,” or “certification number.”
+Note: Do not include state in the ID field unless it is part of the credential
+number as reported on the ASC National Registry.
diff --git a/chunks/txt/fa203bf24bfe683aadbf7a8b9d11d79eab4b4b3a4e665da4adb51bfb39e6d193.txt b/chunks/txt/fa203bf24bfe683aadbf7a8b9d11d79eab4b4b3a4e665da4adb51bfb39e6d193.txt
new file mode 100644
index 0000000000000000000000000000000000000000..baca3de538b78b4d5a74cd8b12afa842f361f377
--- /dev/null
+++ b/chunks/txt/fa203bf24bfe683aadbf7a8b9d11d79eab4b4b3a4e665da4adb51bfb39e6d193.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/news/public-engagements"
+date_accessed: "2026-01-27T17:47:50.518Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/fa21e7af0876fa2281768322049cfb82c0090d7ebb247eecaf299343b6d76045.txt b/chunks/txt/fa21e7af0876fa2281768322049cfb82c0090d7ebb247eecaf299343b6d76045.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c695899d3bd808c45601dd7cce0de2d43d57e7e7
--- /dev/null
+++ b/chunks/txt/fa21e7af0876fa2281768322049cfb82c0090d7ebb247eecaf299343b6d76045.txt
@@ -0,0 +1,86 @@
+/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U
+NIT_CHARGE[@_PeriodType='Monthly']/UNIT_CHARGE_UTILITY[@_Type=
+'Water' and @_IncludedInAssessmentIndicator='Y']
+
+10
+
+10
+
+10
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+Money
+
+Money
+
+Money
+
+Boolean
+
+Boolean
+
+Boolean
+
+Boolean
+
+Boolean
+
+Boolean
+
+One and only one of fields 2-23, 2-24, 2-25
+(values of Project Analysis Competitive
+Project Comparison Type) should be
+indicated.
+
+One and only one of fields 2-23, 2-24, 2-25
+(values of Project Analysis Competitive
+Project Comparison Type) should be
+indicated.
+
+If field 2-23 (Project Analysis Competitive
+Project Comparison Type = 'High') or field 2-
+25 (Project Analysis Competitive Project
+Comparison Type = 'Low') is indicated this
+field should be populated.
+
+One and only one of fields 2-27, 2-28
+(values of Project Analysis Special
+Characteristics Indicator) should be
+indicated.
+
+One and only one of fields 2-27, 2-28
+(values of Project Analysis Special
+Characteristics Indicator) should be
+indicated.
+
+If field 2-27 (Project Analysis Special
+Characteristics Indicator = 'Y') is indicated
+this field should be populated.
+
+Either field 2-33 (Unit Charge No Utilities
+Included In Assessment Indicator = 'Y') or at
+least one of fields 2-34, 2-35, 2-36, 2-37, 2-
+38, 2-39, 2-40, 2-41 should be indicated.
+
+Either field 2-33 or, at least one of fields 2-
+34, 2-35, 2-36, 2-37, 2-38, 2-39, 2-40, 2-41
+(Unit Charge Utility Included In Assessment
+Indicator = 'Y' and values of Unit Charge
+Utility Type) should be indicated.
+
+Either field 2-33 or, at least one of fields 2-
+34, 2-35, 2-36, 2-37, 2-38, 2-39, 2-40, 2-41
+(Unit Charge Utility Included In Assessment
+Indicator = 'Y' and values of Unit Charge
+Utility Type) should be indicated.
diff --git a/chunks/txt/fa2422cf3b95a702ad2a247420e85f423b721a8cddfc871304efb212181b693d.txt b/chunks/txt/fa2422cf3b95a702ad2a247420e85f423b721a8cddfc871304efb212181b693d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c0d3ff4714bc329b9de444b1a113304ccf502a9c
--- /dev/null
+++ b/chunks/txt/fa2422cf3b95a702ad2a247420e85f423b721a8cddfc871304efb212181b693d.txt
@@ -0,0 +1,53 @@
+Whereas, section 1323(a)(1) of the
+Federal Housing Enterprises Financial
+Safety and Soundness Act of 1992
+(Safety and Soundness Act), as
+amended, 12 U.S.C. 4543(a)(1), requires
+the Director of the Federal Housing
+Finance Agency (FHFA) to make
+available to the public the non-
+proprietary single-family and
+multifamily loan-level mortgage data
+elements submitted to FHFA by the
+Federal National Mortgage Association
+(Fannie Mae) and the Federal Home
+Loan Mortgage Corporation (Freddie
+Mac) (collectively, the Enterprises) in
+their mortgage reports;
+
+Whereas, the responsibility to
+
+maintain a public use database (PUDB)
+for such mortgage data was transferred
+to FHFA from the U.S. Department of
+Housing and Urban Development (HUD)
+pursuant to sections 1122, 1126 and
+1127 of the Housing and Economic
+Recovery Act of 2008 (HERA), Public.
+Law 110–289 (July 30, 2008), see 12
+U.S.C. 4543(a)(2);
+
+Whereas, the mortgage data submitted
+
+by Fannie Mae and Freddie Mac are
+contained in their reports required
+under section 309(m) of the Federal
+National Mortgage Association Charter
+Act, as amended, 12 U.S.C. 1723a(m),
+and section 307(e) of the Federal Home
+Loan Mortgage Corporation Act, as
+amended, 12 U.S.C. 1456(e),
+respectively (hereafter, Charter Acts),
+and include mortgage data
+characteristics of single-family and
+multifamily mortgagors and data on the
+Enterprises’ single-family and
+multifamily mortgage purchases;
+Whereas, section 1126 of HERA
+
+amended section 1323 of the Safety and
+Soundness Act by requiring that such
+data submitted by the Enterprises in
+their mortgage reports shall include the
+data elements required to be reported
+under the Home Mortgage Disclosure
diff --git a/chunks/txt/fa32bb01a6be903a26a0f99d75839ff457e55aa73c877b8ed89f1f34a4e0e69c.txt b/chunks/txt/fa32bb01a6be903a26a0f99d75839ff457e55aa73c877b8ed89f1f34a4e0e69c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b510cfb262aabc554dc17f301ffee6f1f5feef62
--- /dev/null
+++ b/chunks/txt/fa32bb01a6be903a26a0f99d75839ff457e55aa73c877b8ed89f1f34a4e0e69c.txt
@@ -0,0 +1,39 @@
+6. I researched, verified, analyzed, and reported on the prior sales of the comparable sales for a minimum of one year prior to
+the date of sale of the comparable sale, unless otherwise indicated in this report.
+
+7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property.
+
+8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home
+that has been built or will be built on the land.
+
+9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject
+property and the comparable sales.
+
+I verified, from a disinterested source, all information in this report that was provided by parties who have a financial
+
+10.
+interest in the sale or financing of the subject property.
+
+11.
+
+I have knowledge and experience in appraising this type of property in this market area.
+
+I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing
+
+12.
+services, tax assessment records, public land records and other such data sources for the area in which the property is located.
+
+I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from
+
+13.
+reliable sources that I believe to be true and correct.
+
+I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject
+
+14.
+property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I
+have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the
+presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the
+subject property or that I became aware of during the research involved in performing this appraisal. I have considered these
+adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and
+marketability of the subject property.
diff --git a/chunks/txt/fa33b9d99085a4b357834ba0452e999341f0503782a9b480f19300e375e6a214.txt b/chunks/txt/fa33b9d99085a4b357834ba0452e999341f0503782a9b480f19300e375e6a214.txt
new file mode 100644
index 0000000000000000000000000000000000000000..39d233b60b2185b409a1e6e7582ad92c6007ec57
--- /dev/null
+++ b/chunks/txt/fa33b9d99085a4b357834ba0452e999341f0503782a9b480f19300e375e6a214.txt
@@ -0,0 +1,104 @@
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+
+10
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+20
+
+String
+
+UAD Instruction - Refer to Appendix D Sales Comparison Approach
+Section
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+
+10
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+
+2
+
+Enumerated
+
+Allowable Values
+Q1
+Q2
+Q3
+Q4
+Q5
+Q6
+
+This field is required if the value of field e-6
+(GSE View Type) is 'Other'.
+
+CR
+
+CR
+
+CR
+
+The sum of this field 2-65 and fields (2-53, 2-
+55, 2-57, 2-59, 2-61, 2-63, 2-67, 2-69, 2-71,
+2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-
+88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must
+add up to Net Adjustment field 2-103.
+
+The sum of this field 2-67 and fields (2-53, 2-
+55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-69, 2-71,
+2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-
+88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must
+add up to Net Adjustment field 2-103.
+
+CR
+
+T
+
+CR
+
+CR
+
+T
+
+CR
+
+CR
+
+T
+
+CR
+
+R
+
+R
+
+R
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+
+10
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+The sum of this field 2-69 and fields (2-53, 2-
+55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-71,
+2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-
+88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must
+add up to Net Adjustment field 2-103.
diff --git a/chunks/txt/fa39de4422640aba23815746c0028da35a7ca27c00ea1c20def6cec147dcfa76.txt b/chunks/txt/fa39de4422640aba23815746c0028da35a7ca27c00ea1c20def6cec147dcfa76.txt
new file mode 100644
index 0000000000000000000000000000000000000000..782c46c71673290953bd6f1ce53922e9e68bfde8
--- /dev/null
+++ b/chunks/txt/fa39de4422640aba23815746c0028da35a7ca27c00ea1c20def6cec147dcfa76.txt
@@ -0,0 +1,309 @@
+AssociationDues
+
+AssociationSpecialAssessment
+
+Proposed
+
+true
+
+Dwelling
+
+1987
+
+false
+
+Quality carpeting
+
+Flooring
+
+SignificantlyUpdated
+
+1075
+
+0
+
+false
+
+2
+
+true
+
+3
+
+2
+
+0
+
+C3
+
+Q4
+
+Decorative tiling and finishes
+
+FullyUpdated
+
+Quality components
+
+Kitchen
+
+FullyUpdated
+
+Midrise
+
+1
+
+Centralized
+
+ForcedWarmAir
+
+PropertyPhoto
+
+\\Images\Condo1_Comp3.jpg
+
+image/jpeg
+
+21
+
+768000
+
+SettledSale
+
+25.165170
+
+-51.328128
+
+Century Village
+
+IngroundPool
+
+Condominium
+
+The Arena
+
+Balcony
+
+OutdoorLiving
+
+1
+
+IndoorFireplace
+
+WholeHome
+
+0
+
+Attached
+
+1
+
+false
+
+1
+
+C3
+
+Q4
+
+true
+
+true
+
+FeeSimple
+
+true
+
+false
+
+true
+
+true
+
+2019-06-15
+
+5000
+
+2019-07-15
+
+765000
+
+Sale
+
+2018-09-15
+
+725000
+
+Sale
+
+TypicallyMotivated
+
+2018-12-31
+
+750000
+
+Sale
+
+TypicallyMotivated
+
+None
+
+true
+
+Full
+
+Residential
+
+33 Franks Way
+
+Unit
+
+382
+
+Nowhere
+
+90021
+
+CA
+
+ParkingGarage
+
+1
+
+Owned
+
+-40000
+
+ProjectInformation
+
+0
+
+NeighborhoodName
+
+-10000
+
+View
+
+0
+
+LivingUnitFloorNumber
+
+10000
+
+LivingUnitBathroomCount
+
+40000
+
+LivingUnitStandardFinishedAreaAboveGrade
+
+5000
+
+WholeHomeAmenity
+
+15000
+
+VehicleStorage
+
+789000
+
+NorthWest
+
+Less
+
+803
+
+4
+
+0.51
+
+20000
+
+false
+
+828
+
+Monthly
+
+AssociationDues
+
+AssociationSpecialAssessment
+
+None
+
+true
+
+Dwelling
+
+1973
+
+false
+
+Quality carpeting
+
+Flooring
+
+SignificantlyUpdated
+
+958
+
+0
+
+false
+
+2
+
+false
+
+3
+
+1
+
+0
+
+C3
+
+Q4
+
+Decorative tiling and finishes
+
+FullyUpdated
+
+Quality components
+
+Kitchen
+
+FullyUpdated
+
+Midrise
+
+1
+
+Centralized
+
+ForcedWarmAir
+
+PropertyPhoto
+
+\\Images\Condo1_Comp4.jpg
+
+image/jpeg
+
+2
+
+769000
+
+Active
+
+25.165169
+
+-51.328129
+
+Eagle Hills
+
+UnitStorage
+
+IngroundSpa
+
+IngroundPool
+
+FitnessArea
+
+Condominium
diff --git a/chunks/txt/fa3b6e71bb08993c524732172bccf84c49361efbfcccaf2d7e2da0e7d9d09601.txt b/chunks/txt/fa3b6e71bb08993c524732172bccf84c49361efbfcccaf2d7e2da0e7d9d09601.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dc3f3576d1a788004bb6656c17b05b8f74c894b0
--- /dev/null
+++ b/chunks/txt/fa3b6e71bb08993c524732172bccf84c49361efbfcccaf2d7e2da0e7d9d09601.txt
@@ -0,0 +1,65 @@
+CU has identified market reaction to Location
+that may differ from the adjustment rate used
+by the appraiser. Ensure that the appraiser has
+made adjustments accurately reflecting
+market reaction to this attribute. See the CU
+Adjustments tab for details.
+
+CU has identified market reaction to
+'Garage/Carport' that may differ from the
+adjustment rate used by the appraiser. Ensure
+that the appraiser has made adjustments
+accurately reflecting market reaction to this
+attribute. See the CU Adjustments tab for
+details.
+
+CU has identified market reaction to 'Sales
+Concessions' that may differ from the
+adjustment rate used by the appraiser. Ensure
+that the appraiser has made adjustments
+accurately reflecting market reaction to this
+attribute. See the CU Adjustments tab for
+details.
+
+CU has identified market reaction to 'Site' that
+may differ from the adjustment rate used by
+the appraiser. Ensure that the appraiser has
+made adjustments accurately reflecting
+market reaction to this attribute. See the CU
+Adjustments tab for details.
+
+© 2022 Fannie Mae April 20, 2022 Page 3 of 4
+
+Overvaluation Risk Message Text
+
+Overvaluation
+Risk Message
+ID
+
+New
+Undervaluation
+Risk Message
+ID
+
+New Undervaluation Risk Message Text
+
+reaction to this attribute. See the
+CU Adjustments tab for details.
+
+CU has identified market reaction
+to 'Date of Sale' that may differ
+from the adjustment rate used by
+the appraiser. Ensure that the
+appraiser has made adjustments
+accurately reflecting market
+reaction to this attribute. See the
+CU Adjustments tab for details.
+
+CU has identified market reaction
+to 'View' that may differ from the
+adjustment rate used by the
+appraiser. Ensure that the
+appraiser has made adjustments
+accurately reflecting market
+reaction to this attribute. See the
+CU Adjustments tab for details.
diff --git a/chunks/txt/fa5de6c2c97cc973333fad752d33d41067078988aae50721df2bd59daddf98a1.txt b/chunks/txt/fa5de6c2c97cc973333fad752d33d41067078988aae50721df2bd59daddf98a1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a1356c6e3b7fcef45360dd6e2372a80703c64244
--- /dev/null
+++ b/chunks/txt/fa5de6c2c97cc973333fad752d33d41067078988aae50721df2bd59daddf98a1.txt
@@ -0,0 +1,105 @@
+@xlink:label
+
+IMPROVEMENT_COST_AND_DEPRECIATED_VALUE_n
+
+Page 341
+
+The cost and depreciated value of an improvement must be linked to the relevant improvement. The XML below illustrates 3 instances of this
+relationship.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 342
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 343
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Land Comparables to Data Source
+
+Report Section: Cost Approach
+Arcrole Explanation
+
+Unique ID
+
+Parent Container
+
+MISMO Attribute
+Name
+
+Supported Attribute Enumerations
+
+DATA_SOURCE to PROPERTY – When the data
+source is associated with a land comparable,
+provide the relationship that joins to the
+applicable instance of PROPERTY where the
+ValuationUseType = “LandComparable”.
+
+1100.0075
+
+RELATIONSHIP
+
+@xlink:arcrole
+
+urn:fdc:mismo.org:2009:residential/DATA_SOURCE_IsDataSo
+urceFor_PROPERTY
+
+1100.0076
+
+RELATIONSHIP
+
+@xlink:from
+
+DATA_SOURCE_n
+
+1100.0077
+
+RELATIONSHIP
+
+@xlink:to
+
+PROPERTY_n
+
+1100.0055
+
+PROPERTY
+
+@xlink:label
+
+PROPERTY_n
+
+0700.0124
+
+DATA_SOURCE
+
+@xlink:label
+
+DATA_SOURCE_n
+
+Page 344
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 345
+
+Replacement or Reproduction Cost Data Source to cost approach
+
+Report Section: Cost Approach
+Arcrole Explanation
+
+Unique ID
+
+Parent Container
+
+MISMO
+Attribute Name
+
+Supported Attribute
+Enumerations
+
+DATA_SOURCE to COST_APPROACH - Replacement or Reproduction
+Cost Data Source. When the data source is associated with a subject
+property, provide the relationship that joins to the applicable instance of
+COST_APPROACH where the ValuationUseType = "SubjectProperty".
diff --git a/chunks/txt/fa687957fda8bf09e72b7e1b722bdb4e93bb845b4968e47a308d79b18aedca7f.txt b/chunks/txt/fa687957fda8bf09e72b7e1b722bdb4e93bb845b4968e47a308d79b18aedca7f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3707fce83c30ecd1d3f381e665118c583bba1a3a
--- /dev/null
+++ b/chunks/txt/fa687957fda8bf09e72b7e1b722bdb4e93bb845b4968e47a308d79b18aedca7f.txt
@@ -0,0 +1,142 @@
+Numeric
+
+$5,000 to
+$1,705,000
+
+Appraisal Form
+Section
+
+Notes
+
+Appraiser
+
+Disclosure
+Avoidance
+Method
+disclosed as
+$115,000
+because it is the
+midpoint
+between
+$110,000 and
+$120,000.
+
+Top coded to
+$1.7 million for
+high-cost areas
+and $720,000 for
+non-high-cost
+areas; using
+intervals of
+$10,000,
+disclosed the
+midpoint value
+for the interval
+into which the
+reported value
+falls. For
+example, for a
+reported value of
+$117,835,
+disclosed as
+$115,000
+because it is the
+midpoint
+between
+
+Federal Housing Finance Agency
+
+15
+
+Field Name
+
+Short Description
+
+Definition
+
+Format
+
+Allowable
+Values
+
+UAD PUF Version 2.1 Data Dictionary
+
+appraisal_to_contract
+
+Percentage of Appraised
+Value to Contract Price
+
+comparison_to_contract Percentage of Sales
+
+Comparison Appraised
+Value to Contract Price
+
+Numeric
+
+50.0% to 150.0%
+
+Numeric
+
+50.0% to 150.0%
+
+The ratio, as a percentage, of
+the subject property’s
+appraised value and the
+contract price.
+
+The ratio, as a percentage, of
+the subject property’s Sales
+Comparison Approach
+indicated value and the
+contract price.
+
+Appraisal Form
+Section
+
+Notes
+
+Derived Field
+
+Derived Field
+
+Disclosure
+Avoidance
+Method
+$110,000 and
+$120,000.
+
+Top coded at
+150%; bottom
+coded at 50%;
+rounded to
+nearest 0.1%.
+
+Top coded to
+150%; bottom
+coded to 50%;
+rounded to
+nearest 0.1%.
+
+dts_rural
+(Not Available for FHA
+UAD PUF)
+
+Duty to Serve Rural
+Location Indicator
+
+Subject property is located in a
+rural location according to
+FHFA’s Duty to Serve program
+definition.
+
+Character
+
+‘1’ = DTS Rural
+‘2’ = Not DTS
+Rural
+‘9’ = Missing
+
+DTS rural indictor
+is suppressed if
+the census tract
+ID is suppressed.
diff --git a/chunks/txt/fa68d1bfc1eac79441d71314ff8eea528f1bf45db1f3a2fcd79dd16ebb850499.txt b/chunks/txt/fa68d1bfc1eac79441d71314ff8eea528f1bf45db1f3a2fcd79dd16ebb850499.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9df10f8b5b0b6676e25eb57d9103b0413c7ddbd7
--- /dev/null
+++ b/chunks/txt/fa68d1bfc1eac79441d71314ff8eea528f1bf45db1f3a2fcd79dd16ebb850499.txt
@@ -0,0 +1,61 @@
+EMPLOYER_1
+
+2
+
+CURRENT_INCO ME_IT
+EM_IsAssociatedWith_E
+MPLO YER
+CURRENT_INCOME_I
+TEM_2
+
+EMPLOYER_1
+
+where
+Income Type =
+“Base”
+
+where
+Income Type =
+“Overtime”
+
+Table 2. Relationships Container – Component Details
+
+The figure below (Figure 2) shows basic examples of how the xlink arcrole relationships linking a
+borrower’s income items to an employer would look in the RELATIONSHIPS container. Note that both the
+income and employment structures are contained under the borrower structure, thus the relationship to the
+borrower is handled by containment and no further xlink arcrole relationship is needed to relation the
+income and employment to an individual borrower.
+
+RELATIONSHIPS CONTAINER
+Showing the RELATIONSHIP Using The Endpoints
+
+RELATIONSHIPS
+ RELATIONSHIP
+ Sequence Number = “1”
+ xlink:from = “CURRENT_INCOME_ITEM_1”
+ xlink:to = “EMPLOYER_1”
+ xlink:arcrole = “CURRENT_INCOME_ITEM_IsAssociatedWith_EMPLOYER”
+ RELATIONSHIP
+ Sequence Number = “2”
+ xlink:from = “CURRENT_INCOME_ITEM_2”
+ xlink:to = “EMPLOYER_1”
+ xlink:arcrole = “CURRENT_INCOME_ITEM_IsAssociatedWith_EMPLOYER”
+
+Figure 2. Using Endpoints and an Arcrole To Define a Relationship
+
+Data Relationships Using Xlink and MISMO Arcroles
+
+Page 16 of 29
+
+Version 1.1
+
+___________ _ __ Uniform Loan Application Dataset (ULAD) Xlink Arcroles
+
+RELAT IONSHIP BET WEEN A COUNSELING EVENT AND T HE ASSOCIAT ED HOUSING
+COUNSELING AGENCY
+
+The following example provides details about the xlink arcrole relationship needed to define a data
+relationship between a Counseling Event and the Housing Counseling Agency that provided the
+counseling and the borrower. While the example provided below shows a counseling event type of
+“Counseling”, the same xlink arcrole relationship would be used for an education event (Counseling
+Type = “Education”).
diff --git a/chunks/txt/fa6c373f1149b5fba7ce4049c8ace3f33e22c1f99479ddd097d8ec813f7e9b21.txt b/chunks/txt/fa6c373f1149b5fba7ce4049c8ace3f33e22c1f99479ddd097d8ec813f7e9b21.txt
new file mode 100644
index 0000000000000000000000000000000000000000..96711e75c82238f071c1bc6b052f0eb76b38c8b9
--- /dev/null
+++ b/chunks/txt/fa6c373f1149b5fba7ce4049c8ace3f33e22c1f99479ddd097d8ec813f7e9b21.txt
@@ -0,0 +1,173 @@
+This is where the Comparable 2 photo would display.
+
+Comparable #3
+
+This is where the Comparable 3 photo would display.
+
+Rental Information
+
+Rent Schedule
+
+Subject Property Rental Information
+
+Currently
+Rented
+Yes
+
+Occupancy
+Tenant
+
+Monthly
+Rent
+$875
+
+Month-to-
+Month
+Yes
+
+Lease Start
+
+No
+
+Owner
+
+$0
+
+Rent
+Control
+No
+
+No
+
+Unit 1
+
+Unit 2
+
+Rental
+Concessions
+No
+
+Utilities/
+Services
+Included
+No
+
+Furnished
+No
+
+Actual Income (Monthly)
+
+Opinion of Market Income (Monthly)
+
+Rent
+
+Unit 1
+
+Unit 2
+
+Subtotal
+
+Other Real Property Rental Income
+
+None
+
+Subtotal
+
+$875
+
+$0
+
+$875
+
+$0
+
+$0
+
+Total
+
+$875
+
+Rent
+
+Unit 1
+
+Unit 2
+
+$875
+
+$925
+
+Subtotal
+
+$1,800
+
+Other Real Property Rental Income
+
+None
+
+Subtotal
+
+$0
+
+$0
+
+Total
+
+$1,800
+
+Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario
+
+Uniform Residential Appraisal Report
+
+Page 20 of 29
+Page 20 of 29
+
+Rental Information (continued)
+
+Comparable Rental Properties
+
+This is where the
+Subject Property
+photo would display.
+
+This is where the
+Rental Comparable 1
+photo would display.
+
+This is where the
+Rental Comparable 2
+photo would display.
+
+This is where the
+Rental Comparable 3
+photo would display.
+
+This is where the
+Rental Comparable 4
+photo would display.
+
+This is where the
+Rental Comparable 5
+photo would display.
+
+Subject Property
+12345 Holiday Hwy
+Surfside, HI 12345
+
+Comparable #1
+8275 Youngish St
+Surfside, HI 12345
+
+Comparable #2
+1337 Stone Back Blvd
+Surfside, HI 12345
+
+Comparable #3
+420 Long Ear Ave
+Surfside, HI 12345
+
+Data Source:
+MLS 142332
+
+Lease Start
+Date: 09/2019
diff --git a/chunks/txt/fa7efc8ff271e3a969a81318252702fe9ec27a446aeee833bd9018204065b7ad.txt b/chunks/txt/fa7efc8ff271e3a969a81318252702fe9ec27a446aeee833bd9018204065b7ad.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1dc82e3e7100284030ee010078b2b2912cc4d21f
--- /dev/null
+++ b/chunks/txt/fa7efc8ff271e3a969a81318252702fe9ec27a446aeee833bd9018204065b7ad.txt
@@ -0,0 +1,24 @@
+- ongoing monitoring;
+- targeted examinations; and
+- risk assessments.
+We evaluate Fannie Mae's and Freddie Mac's financial condition, earnings, liquidity, and efforts taken to mitigate losses in its single-family and multifamily portfolios.
+
+We assess their response to continued stress in the mortgage markets and its effect on their risk profile, performance, and condition.
+
+Additionally, we evaluate their effectiveness of remediation of previously identified matters requiring attention.
+
+We also evaluate the board’s and management’s responses to deficiencies and weaknesses identified by the Enterprise’s Internal Audit Department and external auditors.
+
+Our oversight program ensures coordination among all mission-critical supervisory functions throughout the examination process - including accounting and disclosure, capital adequacy, examination, financial analysis, and supervision infrastructure.
+
+These interdependent assessments provide us with the basis for assigning a composite safety and soundness rating.
+
+**[OFHEO - Predecessor Agency - Special Examination Reports]**
+
+[Report of the Special Examination of Fannie Mae - May 2006](/sites/default/files/2023-03/20060517_SpecialExaminationFannieMae_N508.pdf)
+[Report of Findings to Date Special Examination of Fannie Mae - September 2004](/sites/default/files/2023-03/FNMfindingstodate17sept04_0.pdf)
+[Report of the Special Examination of Freddie Mac - December 2003](/sites/default/files/2023-03/20031220_SpecialExaminationReportFreddieMac_N508.pdf)
+
+## Reporting Framework
+
+We use a specific framework to summarize examination results and conclusions to Fannie Mae's and Freddie Mac's board of directors and Congress. FHFA’s examination ratings system is known as [**CAMELSO**](/supervision/examiner-resources/camelso)**.**
diff --git a/chunks/txt/fa7ff41e35b041eae55bedfe850a195507b65520d2a3a204934c46adc92b4c94.txt b/chunks/txt/fa7ff41e35b041eae55bedfe850a195507b65520d2a3a204934c46adc92b4c94.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b6758693ab16bc79033ac73fd374c48dfaea180b
--- /dev/null
+++ b/chunks/txt/fa7ff41e35b041eae55bedfe850a195507b65520d2a3a204934c46adc92b4c94.txt
@@ -0,0 +1,153 @@
+Comparable Transfer History
+
+Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)
+#
+1
+
+Transfer Terms
+Typically Motivated
+
+Data Source
+MLS
+
+Date
+09/01/2018
+
+Amount
+$430,000
+
+2
+
+3
+
+None
+
+None
+
+MLS
+
+MLS
+
+Analysis of Prior Sale and Transfer History of Comparable Sales Prior sale of comp 1 was a typically motivated arms-length transaction.
+
+Appraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1)
+
+Uniform Residential Appraisal Report
+
+Page 14 of 21
+Page 14 of 21
+
+Check W/KATE-
+
+NEW PAGE?
+
+Sales Comparison Approach
+
+Subject Property
+
+Comparable #1
+
+Comparable #2
+
+Comparable #3
+
+General Information
+
+Property Address
+
+123 Falling Tree Ct
+Treeville, VA 12345
+
+241 Rapid Creek Ln
+Treeville, VA 12345
+
+188 Fallen Oak Ct
+Treeville, VA 12345
+
+210 Cannon Ball Rd
+Treeville, VA 12345
+
+This is where the
+Subject Property photo
+would display.
+
+This is where the
+Comparable 1 photo
+would display.
+
+This is where the
+Comparable 2 photo
+would display.
+
+This is where the
+Comparable 3 photo
+would display.
+
+Assessor Record | Exterior
+Inspection | MLS 123456
+
+Assessor Record | Exterior
+Inspection | MLS 33A245
+
+Assessor Record | Exterior
+Inspection | MLS 678A12
+
+$489,000
+
+Pending
+
+$489,000
+
+$5,000
+
+09/17/2019
+
+12
+
+Detached
+
+Fee Simple
+
+0.17 Miles N
+
+$460,000
+
+Settled Sale
+
+—
+
+$460,000
+
+$0
+
+$0
+
+$0
+
+$8,500
+
+07/22/2019
+
+08/17/2019
+
+12
+
+Detached
+
+Fee Simple
+
+0.06 Miles N
+
+$449,900
+
+Settled Sale
+
+—
+
+$450,000
+
+$0
+
+$0
+
+$0
diff --git a/chunks/txt/fa95df654dca4900089e77ac3feffbb2de6136a9dc5f42cf0d5be408d0956946.txt b/chunks/txt/fa95df654dca4900089e77ac3feffbb2de6136a9dc5f42cf0d5be408d0956946.txt
new file mode 100644
index 0000000000000000000000000000000000000000..038cf466b6077edf62e19883a07213a03fd34a43
--- /dev/null
+++ b/chunks/txt/fa95df654dca4900089e77ac3feffbb2de6136a9dc5f42cf0d5be408d0956946.txt
@@ -0,0 +1,109 @@
+Uniform Appraisal Dataset
+
+17 Market
+
+Market: Search Result Metrics – Sales Within Lookback Period
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+17.015 Highest Sale
+Price
+
+Required when Sales
+in Lookback Period is
+not 0
+
+Allowable
+Answers / Format
+
+Dollar amount
+
+Definition / Additional Guidance
+
+Highest Sale Price in Lookback Period: The highest sale of the competitive
+properties in the defined market area during the lookback period.
+
+Distressed Market Competition
+
+Market: Search Result Metrics – Distressed Market Competition
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+17.016 Distressed
+
+Always required
+
+Yes | No
+
+Market
+Competition
+
+Definition / Additional Guidance
+
+•
+
+•
+
+Yes (the presence of distressed sales activity (e.g., REO, foreclosure, short
+sale) within the defined market area is a factor and impacts the market).
+No (there is no distressed sales activity, or there is minimal activity that
+does not impact the market).
+
+Graphs and Price Trend Information
+
+The information in this subsection is based on the appraiser’s identified Lookback Period.
+
+Market: Search Result Metrics – Graphs and Price Trend Information
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+17.017 Graph
+
+If applicable
+
+Allowable
+Answers / Format
+
+Choose all
+applicable
+answers from
+table (Market
+Graph Type)
+
+Definition / Additional Guidance
+
+Market Graph Type: A list of graphs that the appraiser has included to support
+their market analysis.
+•
+Absorption Rate
+• Median Days on Market
+•
+•
+•
+
+Percent of Distressed Sales
+Price Trend
+Year Built of Sales
+
+Notes:
+•
+
+•
diff --git a/chunks/txt/faa1edf842fa763e1dcfffed7229a9dfcc2036f1d4646656958ec67bb4c9778a.txt b/chunks/txt/faa1edf842fa763e1dcfffed7229a9dfcc2036f1d4646656958ec67bb4c9778a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1105e6a1728f5b556120dda738fb3045ecd009e8
--- /dev/null
+++ b/chunks/txt/faa1edf842fa763e1dcfffed7229a9dfcc2036f1d4646656958ec67bb4c9778a.txt
@@ -0,0 +1,35 @@
+Describing the Information contained in the DU Specification
+Refer to the DU Spec for specific information on each data point’s conditionality on the Technology
+Integration for DU web page at:
+
+https://www.fanniemae.com/singlefamily/technology-integration
+
+It is important to understand when and why information is needed and how conditionality is used with the
+data points.
+
+XML Content Section
+This section does not appear in the redesigned Form 1003 but will be included in the XML file. This data
+is used as a File Header (not to be confused with Form Header) and contains the MISMO v3.4 file
+transmission information for DU.
+
+Form Header Section
+This section is used to provide information about the loan application that could be used by DU and other
+downstream systems to identify the loan.
+
+MISMO allows multiple identifiers to be associated with each loan. Agency Case Number, FHA Case
+Number, Universal Loan Identifier (ULI) Number, and the Lender Loan Number are all acceptable loan
+identifiers. If multiple identifiers exist for a loan, you will be required to indicate the type of identifier to
+distinguish the different values, for example:
+
+• A loan submitted by a lender will include a LoanIdentifierType of “LenderLoan “or
+
+“UniversalLoan” and the corresponding identifier value.
+
+• An FHA loan will require a LoanIdentifierType of “AgencyCase”.
+
+In the form header section, DU expects to see a value for an AutomatedUnderwritingCaseIdentifier on
+resubmissions. This data point is not on the redesigned Form 1003.
+
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
diff --git a/chunks/txt/faa911f696be4381098935230949d175b8ca4b1aed935df9058eae18c973bd2f.txt b/chunks/txt/faa911f696be4381098935230949d175b8ca4b1aed935df9058eae18c973bd2f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6c350f9eb6623f9aa3249e8ab6a3fe051c9cd638
--- /dev/null
+++ b/chunks/txt/faa911f696be4381098935230949d175b8ca4b1aed935df9058eae18c973bd2f.txt
@@ -0,0 +1,153 @@
+2200.0108 MiddleName
+
+2200.0107 LastName
+
+2200.0109 SuffixName
+
+04.027 Designation
+
+2400.0459 AppraiserDesignationType
+
+04.028
+
+Company Name
+
+2400.0455 AppraiserCompanyName
+
+04.029
+
+Company Address
+
+2400.0450 AddressLineText
+
+2400.0451 CityName
+
+2400.0453 StateCode
+
+2400.0452 PostalCode
+
+Scope of Inspection by Appraiser
+
+Subject Property Inspection
+
+Display Rules
+
+When PartyRoleType (UID: 2200.0085, FID: Not on report)
+= “AppraiserSupervisor” …
+
+… displays
+
+Display when provided
+
+… displays
+
+Display when provided
+
+Display when provided
+
+… displays
+
+… displays
+
+… displays
+
+… displays
+
+… displays
+
+… displays
+
+04.030
+
+Exterior
+
+04.031
+
+Interior
+
+2400.0507 PropertyExteriorInspectionMethodType
+
+… displays
+
+2400.0508 PropertyInteriorInspectionMethodType
+
+… displays
+
+Page 32
+
+Assignment Information: Contact Information – Supervisory Appraiser
+
+Report
+Field ID
+
+Report Label
+
+Unique ID MISMO Data Point Name
+
+04.032
+
+Inspection Date
+
+2400.0506 InspectionDate
+
+Display Rules
+
+When PartyRoleType (UID: 2200.0085, FID: Not on report)
+= “AppraiserSupervisor” …
+
+Display when provided.
+When not provided, do not display report label.
+
+Credentials
+
+04.033
+
+Level
+
+2200.0111 AppraiserLicenseType
+
+Always displays
+
+… displays
+
+04.034
+
+ID
+
+2200.0114 LicenseIdentifier
+
+04.035
+
+State
+
+2200.0115 LicenseIssuingAuthorityStateCode
+
+04.036
+
+Expires
+
+2200.0113 LicenseExpirationDate
+
+04.037 ASC Identifier
+
+2400.0454 AppraisalSubCommitteeAppraiserIdentifier
+
+04.038
+
+VA Appraiser ID
+
+04.039
+
+FHA Appraiser ID
+
+2400.0458
+2400.0457
+
+AgencyAppraiserIdentifierType
+AgencyAppraiserIdentifier
+
+2400.0458
+2400.0457
+
+AgencyAppraiserIdentifierType
+AgencyAppraiserIdentifier
diff --git a/chunks/txt/fab21f849202c5f6f320870d3e558faa551dcc46bce300ac12ec831ef7d1db15.txt b/chunks/txt/fab21f849202c5f6f320870d3e558faa551dcc46bce300ac12ec831ef7d1db15.txt
new file mode 100644
index 0000000000000000000000000000000000000000..788ff2ac170a8e972f42e6afaf5fc1e53bb17c77
--- /dev/null
+++ b/chunks/txt/fab21f849202c5f6f320870d3e558faa551dcc46bce300ac12ec831ef7d1db15.txt
@@ -0,0 +1,63 @@
+Price
+
+(cid:21)(cid:24)(cid:17)(cid:19)
+
+(cid:23)(cid:28)
+
+Cost Method
+Depreciation Method
+
+(cid:21)(cid:24)(cid:17)(cid:19)
+
+(cid:24)(cid:24)
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:24)
+
+(cid:25)
+
+Land Comparables
+
+#
+
+Address
+
+(cid:21)(cid:24)(cid:17)(cid:19) (cid:21)(cid:23)
+
+(cid:21)(cid:24)(cid:17)(cid:19) (cid:22)(cid:23)
+
+County
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:23)
+
+(cid:23)
+
+Reconciliation of Site Value
+
+(cid:21)(cid:24)(cid:17)(cid:19) (cid:19)(cid:24)
+
+General Description
+
+Cost Type
+Cost Data Source
+Quality Rating
+Effective Date
+
+(cid:21)(cid:24)(cid:17)(cid:19)
+
+(cid:24)(cid:20)
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:24)(cid:21)
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:24)(cid:22)
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:24)
+
+(cid:23)
+
+Cost Approach Commentary
+
+(cid:21)(cid:24)(cid:17)(cid:19) (cid:26)(cid:24)
+
+Cost Approach Exhibits
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:24)(cid:27)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:21)(cid:24)(cid:17)(cid:19)(cid:24)(cid:27)(cid:17)(cid:21)
diff --git a/chunks/txt/faccb378da67bf743aaa6af73b0381c6d2bd2805739ecc66104ab8a6ee54d82d.txt b/chunks/txt/faccb378da67bf743aaa6af73b0381c6d2bd2805739ecc66104ab8a6ee54d82d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d43cdc6de010f6fcafc2ef65dba6fde5a3e5bf29
--- /dev/null
+++ b/chunks/txt/faccb378da67bf743aaa6af73b0381c6d2bd2805739ecc66104ab8a6ee54d82d.txt
@@ -0,0 +1,112 @@
+Reason for the appraisal assignment.
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+Notes:
+•
+
+•
+
+If more than one reason applies, choose the most appropriate or primary
+reason for the assignment.
+Other relevant information regarding the assignment reason, including
+whether more than one assignment reason applies, is reported in
+Assignment Information and Scope of Work Commentary (2.061).
+
+Borrower, Seller, and Current Owner of Public Record
+
+Assignment Information: Borrower, Seller, and Current Owner of Public Record
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+2.001
+
+Borrower Name
+
+If applicable
+
+Allowable
+Answers / Format
+
+Free-form
+Repeatable
+
+Definition / Additional Guidance
+
+Notes:
+•
+•
+
+The borrower can be a person or a legal entity.
+For VA appraisals, reference the appropriate government agency
+appraisal guidelines.
+
+Appendix F-1: URAR Reference Guide
+
+Page 33 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+02 Assignment Information
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Assignment Information: Borrower, Seller, and Current Owner of Public Record
+
+2.002
+
+Seller Name
+
+If applicable
+
+2.003
+
+Current Owner
+of Public Record
+
+Always required
+
+Property Valuation Method
+
+Free-form
+Repeatable
+
+Free-form
+Repeatable
+
+Notes:
+•
+•
+
+The seller can be a person or a legal entity.
+If there is no seller (such as refinance transactions), leave blank.
+
+Note: The current owner can be a person or a legal entity.
+
+Reference published guidelines by the GSEs, government agencies, or other identified secondary market
+participants for specific guidance.
diff --git a/chunks/txt/facd10687535947460ac9edb2ab1c920683f5539151489f309bb4f487bb24b4c.txt b/chunks/txt/facd10687535947460ac9edb2ab1c920683f5539151489f309bb4f487bb24b4c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..615b06ee24e9db54d695d94c45a3048c23391991
--- /dev/null
+++ b/chunks/txt/facd10687535947460ac9edb2ab1c920683f5539151489f309bb4f487bb24b4c.txt
@@ -0,0 +1,116 @@
+Required for each lien
+if Project Blanket
+Financing is Yes
+
+First Lien | Second
+Lien |Third Lien |
+Fourth Lien
+
+Lien Priority: The priority of the lien against the property.
+
+Required for each lien
+if Project Blanket
+Financing is Yes
+
+Required for each lien
+if Project Blanket
+Financing is Yes and
+Line of Credit is No
+
+Required for each lien
+if Project Blanket
+Financing is Yes and
+Line of Credit is Yes
+
+Required for each lien
+if Project Blanket
+Financing is Yes and
+Line of Credit is Yes
+
+Required for each lien
+if Project Blanket
+Financing is Yes
+
+Yes | No
+
+Line of Credit: Indicates whether the lien is a line of credit.
+
+Dollar amount
+
+The current unpaid principal balance on the loan.
+
+Dollar amount
+
+Line of Credit Maximum Amount: The maximum amount that can be extended
+as a line of credit.
+
+Dollar amount
+
+Line of Credit Drawn Amount: The current amount that has been drawn from a
+line of credit.
+Note: If the line of credit is unused, enter 0.
+
+Yes | No
+
+Indicates whether a final balloon payment is required to fully pay off the loan.
+
+Remaining Term Required for each lien
+
+if Project Blanket
+Financing is Yes
+
+Number of
+months
+
+The number of months remaining until the loan matures.
+
+Report
+Field ID
+
+18.028
+18.037
+18.046
+18.055
+
+Not on
+Report
+
+18.029
+18.038
+18.047
+18.056
+
+18.030
+18.039
+18.048
+18.057
+
+18.030
+18.039
+18.048
+18.057
+
+18.031
+18.040
+18.049
+18.058
+
+18.032
+18.041
+18.050
+18.059
+
+Appendix F-1: URAR Reference Guide
+
+Page 190 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+18 Project Information
+
+Cooperative Information: Project Blanket Financing (Repeats for Each Lien)
+
+Report
+Field ID
diff --git a/chunks/txt/fad8668f6392f82c47c43ce1f6424f9c7dded8a47ffd316949c7008dbe9591f9.txt b/chunks/txt/fad8668f6392f82c47c43ce1f6424f9c7dded8a47ffd316949c7008dbe9591f9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..812a6a426ee2fb9138a1139a96741a38525e8cfc
--- /dev/null
+++ b/chunks/txt/fad8668f6392f82c47c43ce1f6424f9c7dded8a47ffd316949c7008dbe9591f9.txt
@@ -0,0 +1,84 @@
+The forms shown below are required for a standard PERS submission.
+
+Form
+
+Title
+
+Description
+
+1026
+
+Application for Project Approval
+
+Requires certification that the lender has “underwritten”
+the project; includes non-residential space, common
+areas, sales plan, construction warranty, budget,
+builder/developer information, status of construction,
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 140 of 166
+
+UAD 3.6 Policy
+
+Form
+
+Title
+
+Description
+
+environmental issues, resale restrictions, phasing, project
+management.
+
+1029
+
+Warranty of Project Presales
+
+Requires lender certification of sales and presales
+information.
+
+1030
+
+Project Eligibility Review Service Document
+Checklist
+
+Checklist confirming all required condo documents have
+been provided (see below).
+
+1051
+
+Project Development/Master Association
+Plan
+
+Requires lender certification of submitted information;
+includes master association and sub-association
+description and structure, common areas, title policy,
+master association budget, “as-built” survey or master
+plan.
+
+1054
+
+1071
+
+Warranty of Condominium Project Legal
+Documents
+
+Requires lender certification of compliance with laws and
+Fannie Mae legal requirements.
+
+Statement of Insurance and Fidelity
+Coverage
+
+Requires lender certification of all insurance
+requirements; addresses specific insurance types and
+clauses, and requires the lender to obtain and review all
+policies.
+
+1073A
+
+Analysis of Annual Income and Expenses –
+Operating Budget
+
+Requires lender certification that the operating budget
+has been analyzed; detailed operating budget
+information to be completed by HOA and lender.
diff --git a/chunks/txt/faf902c0507c25077312a977a93d680ed97bffb38eae78543fe098993e06070f.txt b/chunks/txt/faf902c0507c25077312a977a93d680ed97bffb38eae78543fe098993e06070f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3a213431cac50d3ae94c3f7c2a2e0772612b9f0a
--- /dev/null
+++ b/chunks/txt/faf902c0507c25077312a977a93d680ed97bffb38eae78543fe098993e06070f.txt
@@ -0,0 +1,109 @@
+Appendix F-1: URAR Reference Guide
+
+Page 62 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+04 Site
+
+Site: Information for each Site Influence
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+4.027
+
+Detail
+
+Required for FHA,
+USDA, and VA
+appraisals when Site
+Influence is Airport
+
+Allowable
+Answers / Format
+
+Choose an
+allowable answer
+from table (Special
+Airport Hazard
+Zone)
+
+4.027
+
+Detail
+
+4.028
+
+Impact
+
+4.029
+
+Comment
+
+Yes | No
+
+Adverse,
+Beneficial, or
+Neutral
+
+Free-form
+
+Required for FHA,
+USDA, and VA
+appraisals when Site
+Influence is Local
+Distribution Line,
+Overhead Electric
+Power Transmission
+Line, or High Pressure
+Gas Line
+
+Required for each Site
+Influence
+
+Required for each Site
+Influence if Impact is
+Adverse or Beneficial,
+or if Meets Distance
+Requirements is No, or
+as needed
+
+Definition / Additional Guidance
+
+None (Not in a Special Airport Hazard Zone)
+Civil Airport Runway Clear Zone
+
+Special Airport Hazard Zone: Areas mapped as special airport hazard zones at
+the ends of runways where aircraft accidents are most likely to occur.
+•
+•
+• Military Airport Accident Potential Zone 1
+• Military Airport Clear Zone
+•
+
+Other (Describe)
+
+Reference the appropriate government agency appraisal guidelines for more
+information.
+
+Meets Policy Requirements: Indicates whether the site influence meets
+applicable policy requirements.
+•
+•
+
+Yes (Meets Policy Requirements)
+No (Does Not Meet Policy Requirements)
+
+Reference the appropriate government agency appraisal guidelines for more
+information.
+
+When Adverse or Beneficial, describe the impact to value and / or
+marketability. Additional commentary may be provided to include details and
+other information.
diff --git a/chunks/txt/fb02a1a752cb702bfcbe948994f21bd6a7115d0a47f35308758f95daaad93570.txt b/chunks/txt/fb02a1a752cb702bfcbe948994f21bd6a7115d0a47f35308758f95daaad93570.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a8d0480de2d3857b763770b7c0727ff5196b69f6
--- /dev/null
+++ b/chunks/txt/fb02a1a752cb702bfcbe948994f21bd6a7115d0a47f35308758f95daaad93570.txt
@@ -0,0 +1,3 @@
+Comparable Rental Analysis ..................................................................................................................................................................................................... 306
+
+Rental Analysis Commentary ................................................................................................................................................................................................... 314
diff --git a/chunks/txt/fb0a704dc92eac9e08d7cff6d474a6b1a1f3f11bac1389478dfe1df01a2a4e19.txt b/chunks/txt/fb0a704dc92eac9e08d7cff6d474a6b1a1f3f11bac1389478dfe1df01a2a4e19.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4a9f62685bb27c37becbf32f818a39f29c691efb
--- /dev/null
+++ b/chunks/txt/fb0a704dc92eac9e08d7cff6d474a6b1a1f3f11bac1389478dfe1df01a2a4e19.txt
@@ -0,0 +1,73 @@
+C
+
+S
+
+W
+
+E
+
+Contract Date
+
+Settlement Date
+
+Withdrawn Date
+
+Expiration Date
+
+Reporting Format:
+Status Type – Appraiser must select one
+value from the specified list
+Date – mm/yy
+Contract Date Unknown Indicator (for Settled
+Sales only) – Select ‘Yes’ or ‘No’
+The PDF creator will automatically insert the
+abbreviated Date Status type and a semicolon
+to separate the data values (for settled sales
+only). If the appraiser indicates the contract
+
+Page 38 of 68
+
+Appendix A: GSE Appraisal Forms Mapping
+
+Document Version 1.5
+
+© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.
+
+This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at
+the direction of the Federal Housing Finance Agency.
+
+date is unknown, the PDF creator will
+populate ‘Unk’ after the semicolon
+
+Examples:
+Active listing: Active
+Contract: c04/10
+Expired listing: e04/10
+Withdrawn listing: w04/10
+Settled sale (contract date known):
+s04/10;c02/10
+Settled sale (contract date unknown):
+s04/10;Unk
+
+Page 39 of 68
+
+Appendix A: GSE Appraisal Forms Mapping
+
+Document Version 1.5
+
+© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.
+
+This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at
+the direction of the Federal Housing Finance Agency.
+
+• 1004/70
+
+REQUIREMENT
+
+Location
+The appraiser must select one of the following
+ratings to describe the overall effect on value
+and marketability of the location factor(s)
+associated with the subject property and each
+comparable property. The abbreviation for the
+rating must be entered.
diff --git a/chunks/txt/fb164691da3bdf7b4cf94c9c1036d0aa8f034eaee9361cb88fef70cd5c9182f1.txt b/chunks/txt/fb164691da3bdf7b4cf94c9c1036d0aa8f034eaee9361cb88fef70cd5c9182f1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..632403a457d46da77abbd08031ee9abc6a9c259e
--- /dev/null
+++ b/chunks/txt/fb164691da3bdf7b4cf94c9c1036d0aa8f034eaee9361cb88fef70cd5c9182f1.txt
@@ -0,0 +1,221 @@
+Quality
+
+Condition
+
+Property Amenities
+
+Outdoor Accessories
+
+Outdoor Living
+
+Water Features
+
+Whole Home
+
+Miscellaneous
+
+Vehicle Storage
+
+Type | Spaces | Detail
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+Outbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts)
+
+$
+
+Outbuilding Type
+
+Gross Building Area
+
+Finished Area
+
+Unfinished Area
+
+Structure Volume
+
+Baths - Full
+
+Baths - Half
+
+Kitchens
+
+Heating
+
+Cooling
+
+Utilities
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024
+
+Subject Property
+
+Comparable #
+
+Comparable #
+
+Comparable #
+
+Property Address
+
+Summary
+
+List Price
+
+Contract Price
+
+Sale Price
+
+Net Adjustment Total
+
+Adjusted Price Per Unit
+
+Adjusted Price Per Bedroom
+
+Price Per Gross Building
+Finished Area
+
+Price Per Finished Area
+Above Grade
+
+Adjusted Price
+
+Comparable Weight
+
+Indicated Value by Sales Comparison Approach
+
+Indicated Value
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+Reconciliation of Sales Comparison Approach
+
+Additional Properties Analyzed Not Used
+
+#
+
+Property Address
+
+Sale Date
+
+Status
+
+Reason Not Used
+
+Comment
+
+Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024
+
+PG BRK
+
+Sales Comparison Map
+
+Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024
diff --git a/chunks/txt/fb1bad85909ba892f86819d61ce61752ac05d3da867efc1cd569fb07e75259cf.txt b/chunks/txt/fb1bad85909ba892f86819d61ce61752ac05d3da867efc1cd569fb07e75259cf.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fec18b9c9b41256710c1299363d9a4a17dce91f1
--- /dev/null
+++ b/chunks/txt/fb1bad85909ba892f86819d61ce61752ac05d3da867efc1cd569fb07e75259cf.txt
@@ -0,0 +1,18 @@
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
+
+## Footer
+
+- [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
+
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/34861","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":{"\/blog":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); })();
diff --git a/chunks/txt/fb297dbe79f99632312c11af4b199c19c817fc8be6778690b62e74f2985b12e4.txt b/chunks/txt/fb297dbe79f99632312c11af4b199c19c817fc8be6778690b62e74f2985b12e4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3600060c21ceefbf3e0271cc5b2fc8e00111471b
--- /dev/null
+++ b/chunks/txt/fb297dbe79f99632312c11af4b199c19c817fc8be6778690b62e74f2985b12e4.txt
@@ -0,0 +1,83 @@
+GSE Property
+Owner Name
+
+The unparsed name(s) of the subject
+property owner(s).
+
+/VALUATION_RESPONSE/PROPERTY/_OWNER/PROPERTY_OWNE
+R_EXTENSION/PROPERTY_OWNER_EXTENSION_SECTION[@Exte
+nsionSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/PROPERTY_OWNER_EXTENSION_SECTION_DATA/PR
+OPERTY_OWNER/@GSEPropertyOwnerName
+
+45
+
+String
+
+SUBJECT
+
+County
+
+Property County
+
+The county in which the subject property
+is located.
+
+/VALUATION_RESPONSE/PROPERTY/@_County
+
+30
+
+String
+
+UAD Instruction - Refer to Appendix D Subject Section
+If the subject property is not located in any county (e.g. the subject property is
+located in an independent city), enter the name of the local municipality or district in
+which the property is located.
+
+SUBJECT
+
+Legal Description
+
+14
+
+SUBJECT
+
+Assessor’s Parcel #
+
+Property Legal
+Description Text
+Description
+
+A free-form text field used to capture the
+legal description of the property for the
+type specified in Property Legal
+Description Type.
+
+GSE Assessors
+Parcel Identifier
+
+The identifier or identifiers that describes
+the location of the property as related to
+county, state or municipal tax records.
+
+/VALUATION_RESPONSE/PROPERTY/_LEGAL_DESCRIPTION[@_T
+ype='Other' and @_TypeOtherDescription='LongLegal']/@_TextDescription
+
+150
+
+String
+
+/VALUATION_RESPONSE/PROPERTY/_IDENTIFICATION/PROPERT
+Y_IDENTIFICATION_EXTENSION/PROPERTY_IDENTIFICATION_E
+XTENSION_SECTION[@ExtensionSectionOrganizationName='UNIFOR
+M APPRAISAL
+DATASET']/PROPERTY_IDENTIFICATION_EXTENSION_SECTION_
+DATA/PARCEL_IDENTIFIER/@GSEAssessorsParcelIdentifier
+
+60
+
+String
+
+UAD Instruction - Refer to Appendix D Subject Section
+If no parcel number is available, enter 'None'. If more than one parcel number is
+applicable, each should be listed, separated by a semicolon.
diff --git a/chunks/txt/fb4ca823c0aff720622365b6f8563b69d1c772b16ddb0c3a10945a3826b0455a.txt b/chunks/txt/fb4ca823c0aff720622365b6f8563b69d1c772b16ddb0c3a10945a3826b0455a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ab57c369a733f0d5ca1ea9c57d83faaa335bdd5f
--- /dev/null
+++ b/chunks/txt/fb4ca823c0aff720622365b6f8563b69d1c772b16ddb0c3a10945a3826b0455a.txt
@@ -0,0 +1,3 @@
+URAR - Summary Section ....................................................................................................................................................................................................................................................................... 6
+
+Example 1: Detached Single-Family ................................................................................................................................................................................................................................................................................... 7
diff --git a/chunks/txt/fb5478ca750beaadc2b29706ab42ffc5be5316b4a17231e4fa1e9b3a0b1c578e.txt b/chunks/txt/fb5478ca750beaadc2b29706ab42ffc5be5316b4a17231e4fa1e9b3a0b1c578e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b5967cdd4a3b303d63aac7e84921c78470e53707
--- /dev/null
+++ b/chunks/txt/fb5478ca750beaadc2b29706ab42ffc5be5316b4a17231e4fa1e9b3a0b1c578e.txt
@@ -0,0 +1,39 @@
+UAD 3.6 Policy
+
+SB4-1.1-06, Uniform Appraisal Dataset (UAD) and the Uniform Collateral
+Data Portal (UCDP) (6/04/2025)
+
+Introduction
+
+This topic contains information on the Uniform Appraisal Dataset and the Uniform Collateral Data Portal, including:
+
+• Uniform Appraisal Dataset
+• Uniform Collateral Data Portal
+
+Uniform Appraisal Dataset
+
+The Uniform Appraisal Dataset (UAD) is a standardized industry dataset for appraisal information that is transmitted
+electronically through the Uniform Collateral Data Portal® (UCDP®). Fannie Mae requires all appraisal and completion reports
+submitted through UCDP to meet the Uniform Appraisal Dataset Specification provided in the applicable guide below:
+
+•
+•
+•
+
+Appendix F-1: URAR Reference Guide
+Appendix F-2: Restricted Appraisal Update Report Reference Guide
+Appendix F-3: Completion Report Reference Guide
+
+Lenders may obtain the most recent version of the Uniform Appraisal Dataset Specification, its appendices, and additional
+information on Fannie Mae’s website.
+
+Uniform Collateral Data Portal
+
+The UCDP is a portal through which lenders are required to electronically submit appraisal reports for conventional loans sold to
+Fannie Mae. All appraisal and completion reports, including exhibits and photographs, must be submitted through the UCDP and
+receive a “Successful” status from the UCDP prior to sale of the loan to Fannie Mae.
+
+If there are subsequent revisions to the appraisal report, the final version of the report that was utilized in making the
+underwriting decision must be submitted through the UCDP and receive a “Successful” status from the UCDP prior to sale of the
+loan to Fannie Mae. When submitting an appraisal report through UCDP, lenders must ensure it is the unaltered report submitted
+by the identified appraiser.
diff --git a/chunks/txt/fb6c342871ab9a2f5ad71343c4d98da95bc99842ad9abe6eecfb5b3cf643cf2b.txt b/chunks/txt/fb6c342871ab9a2f5ad71343c4d98da95bc99842ad9abe6eecfb5b3cf643cf2b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..561d5d741c5c358f76e519e7c76c64099a4e77c3
--- /dev/null
+++ b/chunks/txt/fb6c342871ab9a2f5ad71343c4d98da95bc99842ad9abe6eecfb5b3cf643cf2b.txt
@@ -0,0 +1,102 @@
+The photo must be associated
+with the specific repair item.
+See 03.001.
+The photo must be associated
+with the specific repair item.
+See 04.001.
+
+See 05.001
+
+The photo must be associated
+with the specific inconsistent
+item. See 05.003.
+
+Appendix F-3: Completion Report Reference Guide
+
+Page 8 of 33
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Overview
+
+Section
+#
+
+07
+
+Section
+Name
+(Black Tab)
+
+Completion
+Report
+Exhibits
+(Continued)
+
+Best Practices
+
+Photo or Image
+(Predefined Caption or
+Gray Bar)
+
+Is there an Additional
+Caption
+(Free-form Text)?
+
+Is the Photo or Image
+Required?
+
+Additional Guidance
+
+HUD Data Plate
+
+May be provided to further
+identify the photo or image
+
+If not provided in the
+original appraisal
+
+HUD Certification Label
+
+May be provided to further
+identify the photo or image
+
+If not provided in the
+original appraisal
+
+Manufactured Home
+Certification
+
+May be provided to further
+identify the photo or image
+
+If not provided in the
+original appraisal
+
+Completion Report
+Exhibits
+
+Required for each photo or
+image
+
+Provide an image of the
+verification source if the HUD
+Data Plate is not present.
+
+Provide an image of the
+verification source if the HUD
+Certification Label is not
+present.
+
+Photos or images related to
+the Completion Report that
+are not specified above.
+
+When there are multiple allowable answers, select the answer that is most applicable. Do not select Other
+(Describe) and type in abbreviations or words with similar meaning to the allowable answer.
+
+The Certifications and Intended Use / User section provides space for additional appraiser or supervisory
+appraiser certifications. The appraiser must not enter language that is contrary to the predefined certifications
+(09.018 and 09.024).
diff --git a/chunks/txt/fb7129b7d9242211d87785c8b20cdd062080eb2d03636de8f574c5c801adf2e6.txt b/chunks/txt/fb7129b7d9242211d87785c8b20cdd062080eb2d03636de8f574c5c801adf2e6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cfc3daee537a3530606ec6766efb8e00f57098fc
--- /dev/null
+++ b/chunks/txt/fb7129b7d9242211d87785c8b20cdd062080eb2d03636de8f574c5c801adf2e6.txt
@@ -0,0 +1,75 @@
+Replacement
+
+ComparativeUnit
+
+154500
+
+23500
+
+ModifiedEconomicAgeLife
+
+250000
+
+Comp #1 is a 4 acre site on same lake as the subject, includes 1/4 acre parcel providing water frontage much like the subject. Comp #2 is a 3 acre site with water views of same lake as subject. Comp #3 is a 10 acre site within a mile of the subject with same power line easement. However, comp #3 has no water frontage or view, and the easement splits the property in half, making some of the land useless for construction.
+
+31500
+
+SalesComparison
+
+459500
+
+4500
+
+95.66
+
+150000
+
+1568
+
+StandardFinishedAreaAboveGrade
+
+154500
+
+0
+
+18.75
+
+15000
+
+800
+
+UnfinishedArea
+
+6000
+
+9000
+
+22.22
+
+15554
+
+700
+
+Other
+
+Garage
+
+47.23
+
+9446
+
+200
+
+FinishedArea
+
+17500
+
+7500
+
+31500
+
+Well, septic, fence, deck, driveway, and water frontage improvements
+
+NotNecessaryForCredibleResults
+
+The three sales provided were the most comparable manufactured home sales in the market. There were limited sales of manufactured homes on acreage with water frontage and other amenities. Comparable #1's lot is on the lake, whereas the subject's water frontage is a non-contiguous parcel that is included, while the comparable has no water front features the result is a negative adjustment. The outbuilding adjustment for comparable sale #1's shop vs the subject's detached garages was based on the subject's finished space only as the garage/car storage was captured in vehicle storage. Comparable #2 was superior in terms of quality upgrades and an adjustment was warranted even though the Q rating was the same as the subject. Comparable #2 is located in a water front project with site values that exceed those in the subject project. The value differences are due to more level topography and boat motor size restrictions that reduce noise and damage associated with motor wakes. Comparable #3 is less impactful due to it being a short sale. Comparable #3 has a small portion of its lot within the river floodplain. There is no impact to improvements or usability of the lot therefore no adjustment is warranted. The appraiser made market based adjustments to each of the sales for their differences. Adjustments were determined through qualitative analysis, considering contributory values and competitive differences, matched paired analysis, and interviews with local real estate agents. The value was reconciled between the adjusted prices of the comparable sales #1 and #2 as they were given the most weight with additional support from comparable sale #3.
diff --git a/chunks/txt/fb96948293e3a2b685e1f17c091d6f3134c5f92bb8eccd8ffcc4e59037e368ea.txt b/chunks/txt/fb96948293e3a2b685e1f17c091d6f3134c5f92bb8eccd8ffcc4e59037e368ea.txt
new file mode 100644
index 0000000000000000000000000000000000000000..320f453e2dedd1b748e8c7fdc59db7a5acb03a22
--- /dev/null
+++ b/chunks/txt/fb96948293e3a2b685e1f17c091d6f3134c5f92bb8eccd8ffcc4e59037e368ea.txt
@@ -0,0 +1,112 @@
+Less than 7 feet
+7 Ft.
+8 Ft.
+9 Ft.
+10 or more feet
+2 or more stories
+
+Ceiling Style: The style(s) of ceilings in the unit.
+•
+•
+•
+•
+•
+•
+•
+•
+•
+
+Barrel
+Beams
+Cathedral
+Coffered
+Drop
+Flat
+Tray
+Vaulted
+Other (Describe)
+
+10.046 Quality
+
+Comment
+
+Free-form
+
+If needed to describe
+the current quality of
+the walls and ceilings
+in the unit
+
+A brief description of the quality of the walls and ceilings as of the effective
+date. For further expansion of commentary, use Unit Interior Commentary
+(10.061).
+
+Appendix F-1: URAR Reference Guide
+
+Page 140 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+10 Unit Interior
+
+Unit Interior - Interior Features: Walls and Ceiling
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+10.047 Condition Status Always required
+
+Allowable
+Answers / Format
+
+Choose an
+allowable answer
+from table (Walls
+and Ceiling
+Condition Status)
+
+Definition / Additional Guidance
+
+New or Like New
+Typical Wear and Tear
+Damaged and Functional
+Damaged and Nonfunctional
+No Finish
+
+The condition status of the walls and ceilings in the unit.
+•
+•
+•
+•
+•
+Notes:
+•
+
+If there are varying condition statuses for the walls and ceiling, choose the
+one that best explains the Interior Condition Rating.
+Condition Status reflects the required repairs, inspections, or completions
+as if they were completed. The current condition is noted in the Apparent
+Defects, Damages, and Deficiencies (Unit Interior) subsection.
+Individual damages must be reported in the Apparent Defects, Damages,
+and Deficiencies (Unit Interior) subsection.
+
+•
+
+•
+
+10.048 Condition
+Comment
+
+If applicable
+
+Free-form
+
+A brief description of the condition of the walls and ceilings may be provided.
+Note: For further expansion of commentary, use Unit Interior Commentary
+(10.061).
diff --git a/chunks/txt/fb996c236fbd7cd4066d9f72f4a5df06378da4d2bc5ae4befe8c72e27f5dec1c.txt b/chunks/txt/fb996c236fbd7cd4066d9f72f4a5df06378da4d2bc5ae4befe8c72e27f5dec1c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b499fd66219b755cf2b8621099deb7b6d66c4ad1
--- /dev/null
+++ b/chunks/txt/fb996c236fbd7cd4066d9f72f4a5df06378da4d2bc5ae4befe8c72e27f5dec1c.txt
@@ -0,0 +1,261 @@
+Site Influence (Location)
+
+View | Range
+
+Dwelling(s)
+
+Year Built
+
+This is where the
+Subject Property photo
+would display.
+
+This is where the
+Comparable 1 photo
+would display.
+
+This is where the
+Comparable 2 photo
+would display.
+
+This is where the
+Comparable 3 photo
+would display.
+
+Assessor Record |
+MLS 2345850
+
+Assessor Record |
+MLS 32498543
+
+Assessor Record |
+MLS 2354398
+
+$160,000
+
+Pending
+
+$160,000
+
+No
+
+08/25/2019
+
+Detached
+
+Fee Simple
+
+No
+
+1.1 Miles S
+
+$279,000
+
+Settled Sale
+
+—
+
+$279,000
+
+$0
+
+$0
+
+$0
+
+VA
+
+No
+
+02/22/2019
+
+04/30/2019
+
+115
+
+Detached
+
+Fee Simple
+
+No
+
+5.1 Miles NW
+
+$210,000
+
+Settled Sale
+
+—
+
+$200,500
+
+Conventional
+
+No
+
+10/01/2018
+
+12/03/2018
+
+94
+
+Detached
+
+Fee Simple
+
+No
+
+$0
+
+$0
+
+$0
+
+Conventional
+
+No
+
+03/20/2019
+
+05/30/2019
+
+87
+
+Detached
+
+Fee Simple
+
+No
+
+4.4 Miles W
+
+$257,500
+
+Settled Sale
+
+—
+
+$249,750
+
+$0
+
+$0
+
+$0
+
+Mineral Rights
+
+Mineral Rights
+
+Mineral Rights
+
+Mineral Rights
+
+11,997 Sq. Ft.
+
+11,965 Sq. Ft.
+
+$0
+
+43,560 Sq. Ft.
+
+$(15,000)
+
+43,560 Sq. Ft.
+
+$(15,000)
+
+Hawaiian Vista
+
+Hawaiian Parks
+
+$0 Ocean Vista Park
+
+$0 Ocean Vista Park
+
+Legal Nonconforming
+
+Legal
+
+$0
+
+Legal
+
+$0
+
+$0
+
+$(15,000)
+
+$0
+
+$0
+
+Hazard Zone
+
+USGS Lava Flow Zone 2
+
+None
+
+Landscaping
+
+$(2,000)
+
+None
+
+USGS Lava
+Flow Zone 3
+
+$(15,000)
+
+USGS Lava
+Flow Zone 3
+
+None
+
+Busy Roadway
+
+Busy Roadway
+| Ocean
+
+$(25,000)
+
+Residential
+
+$(5,000)
+
+Residential
+
+$(5,000)
+
+Residential | Full
+
+Residential | Full
+
+Residential | Full
+
+Residential | Full
+
+Legal
+Nonconforming
+
+USGS Lava
+Flow Zone 2
+
+1985 | 1985
+
+2005 | 1992
+
+$(5,000)
+
+1946 | 1940
+
+$10,000
+
+1992
+
+Gross Building Finished Area
+
+1,728 Sq. Ft.
+
+2,790 Sq. Ft.
diff --git a/chunks/txt/fbae2eb4cc7b0d86f42902d9b0c11ee489c3efa94ee2b83da5b5940a940523d6.txt b/chunks/txt/fbae2eb4cc7b0d86f42902d9b0c11ee489c3efa94ee2b83da5b5940a940523d6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6f48843a740c485a4001a4689648e3eb93d436e4
--- /dev/null
+++ b/chunks/txt/fbae2eb4cc7b0d86f42902d9b0c11ee489c3efa94ee2b83da5b5940a940523d6.txt
@@ -0,0 +1,101 @@
+A. Single-Family Data Field 61:
+Purchase Price
+
+Section 1324(b)(6)(A), in conjunction
+with section 1326(d)(2), requires public
+disclosure of the purchase price of the
+property with respect to the high-cost
+securitized loan. New data field 61 in
+National File C designates the purchase
+price of the property for the high-cost
+securitized loan, as reported by the
+Enterprises to FHFA. Where the
+purchase price is not available, FHFA
+will attempt to estimate the purchase
+price by dividing the origination unpaid
+principal balance (UPB) field by the
+LTV at origination. The reported or
+estimated values will be rounded to the
+nearest $1,000, consistent with the
+release of HMDA data fields in the
+PUDB. The value ‘‘999999999=Missing’’
+will be used where the purchase price
+cannot be obtained through either
+method and is then considered missing.
+
+B. Single-Family Data Field 19: Loan-to-
+Value Ratio (LTV) at Origination (or
+CLTV Where Available)
+
+Section 1324(b)(6)(B), in conjunction
+with section 1326(d)(2), requires public
+
+VerDate Mar<15>2010 18:20 Sep 27, 2011 Jkt 223001 PO 00000 Frm 00037 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
+
+60034
+
+Federal Register / Vol. 76, No. 188 / Wednesday, September 28, 2011 / Notices
+
+disclosure of ‘‘the loan-to-value ratio of
+the mortgage, which shall reflect any
+secondary liens on the relevant
+property,’’ with respect to the high-cost
+securitized loan. Combined LTV (CLTV)
+is the ratio of the total loan amount to
+the value of the property, with the total
+loan amount consisting of the UPB at
+origination of the first lien and any
+subordinate liens. Data field 19 in
+National File C designates the LTV at
+origination, or CLTV where available,
+for the high-cost securitized loan.
+Consistent with the recoding in National
+File A, the data will be released in
+National File C using the following
+values: 1 = >0–<=60%; 2 = >60–<=80%;
+3 = >80–<=90%; 4 = >90–<=95%; 5 =
+>95%; 9 = Missing. Both Enterprises
+currently collect and report CLTV to
+FHFA and will be required to continue
+reporting this data for purposes of the
+PUDB and comparative analysis in
+subsequent years.
diff --git a/chunks/txt/fbb9e846080ea7d1706b2792575d24977ac1a045f0cab700b60a916ba6538b75.txt b/chunks/txt/fbb9e846080ea7d1706b2792575d24977ac1a045f0cab700b60a916ba6538b75.txt
new file mode 100644
index 0000000000000000000000000000000000000000..55790b0fff3cd63df30d5105d5157b854ca606eb
--- /dev/null
+++ b/chunks/txt/fbb9e846080ea7d1706b2792575d24977ac1a045f0cab700b60a916ba6538b75.txt
@@ -0,0 +1,91 @@
+A permanent structure leading out from shore into a body of water, typically made of concrete, steel, or treated timbers
+and supported on pillars or girders.
+
+Rock or other material set in place to protect shorelines (e.g., shot rock, rock armor, or rubble).
+
+A wall or structure designed to protect shorelines from wave loads and / or to retain soils and prevent erosion.
+Select this answer only when it is privately owned and maintained, and part of the real estate being valued.
+
+Select Other to enter an answer that is not in the above list.
+Note: Boathouses must be reported in the Outbuilding section and are not reported here.
+
+Appendix F-1: URAR Reference Guide
+
+Page 66 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+04 Site
+
+For each Body of Water with Private Access
+
+Indicate which bodies of water from above (Body of Water Type (4.027)) have private access from the property,
+either through a community buffer or exclusive to the property. If there are multiple bodies of water with
+private access, each displays in a separate row in the Water Frontage with Private Access table.
+
+Site: Information for Each Body of Water with Private Access
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+4.034
+
+Frontage
+
+If applicable
+
+Definition / Additional Guidance
+
+Allowable
+Answers / Format
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+Bay
+Canal
+Cove
+Creek
+Gulf
+Lake
+
+Body of Water Type
+•
+•
+•
+•
+•
+•
+• Marsh
+•
+Ocean
+•
+Pond
+•
+Reservoir
+•
+River
+•
+Sound
+•
+Other (Describe)
+
+Notes:
+•
+•
+
+Body of Water Type redisplays from 4.027.
+Photos or images for all water frontage with private access must be
+provided, which display in Site Exhibits with the caption “Water
+Frontage”. An additional caption must be provided, including the water
+frontage type(s) and any other descriptive information as appropriate.
diff --git a/chunks/txt/fbbb133e01e43f11aa752e53aee0c6b9760009fc348d7f8a1b8a83bfca253108.txt b/chunks/txt/fbbb133e01e43f11aa752e53aee0c6b9760009fc348d7f8a1b8a83bfca253108.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0132481d94e2ce0454f8b7ef041b480723ed9248
--- /dev/null
+++ b/chunks/txt/fbbb133e01e43f11aa752e53aee0c6b9760009fc348d7f8a1b8a83bfca253108.txt
@@ -0,0 +1,37 @@
+[Mortgage Translations](/mortgage-translations)
+
+- [About Mortgage Translations](/mortgage-translations)
+ - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)
+ - [COVID-19 Resources](/mortgage-translations/covid-19-resources)
+ - [Interpretive Services](/mortgage-translations/interpretive-services)
+ - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)
+ - [Search Documents](/mortgage-translations/search)
+ - News Public Affairs
+
+- [News Releases](/news/news-release)
+ - [Statements](/news/statement)
+ - [Speeches](/news/speech)
+ - [Testimonies](/news/testimony)
+ - [Public Input](/public-input)
+ - [Blogs](/blog)
+ - [Fact Sheets](/news/fact-sheet)
+ - [FAQs](/faqs)
+ - [Partner Agency Engagements](/news/partner-agency-engagements)
+ - [Public Engagements](/news/public-engagements)
+ - [Videos](/media)
+
+Social Media
+
+- [Facebook](https://www.facebook.com/FHFA)
+ - [LinkedIn](https://www.linkedin.com/company/354523)
+ - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [X (formerly Twitter)](https://twitter.com/FHFA)
+ .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu
+
+# Rulemaking and Federal Register
+
+Rulemaking is the process we use to create regulations. It is designed to ensure the public is informed of proposed rules, has the opportunity to comment on them, and have access to the rulemaking record.
+
+Give us your comment - visit [Open for Public Comment](/regulation/federal-register?comments=open)
+
+## Rulemaking Process
diff --git a/chunks/txt/fbc6365d05726a070c18b90916b8f8179703ea2c7a017ee0e13a4ebc717584d0.txt b/chunks/txt/fbc6365d05726a070c18b90916b8f8179703ea2c7a017ee0e13a4ebc717584d0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..699934084a27460ff0db85eb9089b7bd6e32fdbc
--- /dev/null
+++ b/chunks/txt/fbc6365d05726a070c18b90916b8f8179703ea2c7a017ee0e13a4ebc717584d0.txt
@@ -0,0 +1,140 @@
+2. See PARTI ES / PARTY and @ I DENTIFIER OWNER URI in Section V.
+
+23. 0. 3 – 23. 0. 5 DATA POI NTS FOR PART I ES NOT REQUI RI NG LI CE NSE DATA
+
+The data points supporting the provision of this data are shown in the table below, using the Real Estate Broker
+(B) column as an example. These same data points are repeated with the applicable values for the Real Estate
+Broker (S) and Settlement Agent columns in the table.
+
+Table 152. Real Estate Broker (B) Contact Information
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0
+Data Point |
+Attribute Name
+
+MISMO v3.3.0 Value
+
+Notes
+
+23.1.3 Real Estate Broker
+(B) - Name
+
+…/LEGAL_ENTITY_DE
+TAIL
+
+FullName
+
+Omega Real Estate
+Broker, Inc.
+
+First Instance of PARTY (Organization)
+
+23.2.3 Real Estate Broker
+
+(B) - Address
+
+…/ADDRESS
+
+AddressLineText
+
+789 Local Lane
+
+AddressType
+
+Mailing
+
+Not shown – data
+clarity
+
+CityName
+
+StateCode
+
+Sometown
+
+ST
+
+PostalCode
+
+12345
+
+N/A - XML
+
+…/ROLE
+
+@SequenceNumber 5
+
+@xlink:label
+
+PARTY5_ROLE1
+
+UID
+997.031
+
+UID
+997.032
+
+23.0.3 Real Estate Broker
+
+(B)
+
+…/ROLE/REAL_ESTAT
+E_AGENT
+
+RealEstateAgentType Selling
+
+23.0.3 Real Estate Broker
+
+(B)
+
+…/ROLE_DETAIL
+
+PartyRoleType
+
+RealEstateAgent
+
+23.8.3 Email
+
+Second Instance of PARTY (Contact)
+
+…/INDIVIDUAL/CONT
+ACT_POINTS/CONTA
+CT_POINT/CONTACT
+_POINT_EMAIL
+
+ContactPointEmailVa
+lue
+
+sam@
+omegare.biz
+
+Not shown –
+relationships
+
+Not shown -
+relationships
+
+ROF as “Real Estate
+Broker (B)” in
+column heading
+
+ROF as “Real Estate
+Broker (B)” in
+column heading
+
+Appendix E: UCD Implementation Guide
+
+Page 231 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+23.0 Contact Information
diff --git a/chunks/txt/fbcc51e98d60dd161a66410b85856a70f67f4b4159c954dd1615b5a2791693a8.txt b/chunks/txt/fbcc51e98d60dd161a66410b85856a70f67f4b4159c954dd1615b5a2791693a8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..60b40b7acfab1cb1e6fbad1ad638223e29bcbe27
--- /dev/null
+++ b/chunks/txt/fbcc51e98d60dd161a66410b85856a70f67f4b4159c954dd1615b5a2791693a8.txt
@@ -0,0 +1,40 @@
+*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for costs that are
+normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable because the seller pays these costs in virtually all sales
+transactions. Special or creative financing adjustments can be made to the comparable property by comparisons to financing terms offered by a third-party
+institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar-for-dollar cost
+of the financing or concession, but the dollar amount of any adjustment should approximate the market’s reaction to the financing or concessions based on
+the appraiser’s judgment.
+
+H1
+
+Statement of Assumptions and Limiting Conditions
+
+TXC
+
+The appraiser assumes that the title is good and marketable unless he or she becomes aware of information to the contrary.
+
+TXC
+
+If the appraiser has included a sketch or floor plan in this appraisal report, it shows the approximate dimensions and is included only to assist
+the reader in visualizing the property and understanding the appraiser’s determination of its size.
+
+FTR-L
+
+FTR-R
+
+Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024
+
+HDR-L
+
+TXC
+
+2 COLUMN PAGE FORMAT
+
+HDR-R
+
+The appraiser has relied on data provided by third parties in this appraisal report. Such data may include, but is not limited to, floor plans,
+flood maps, multiple listing real estate services, tax assessment records, public land records, satellite imagery, virtual street views, property
+data services, surveys, engineering reports, and property data aggregations. After examination of the data and data sources, the appraiser has
+used only the data he or she considers reliable. The appraiser assumes there are no material omissions in the data relied upon and makes no
+guarantees, express or implied, regarding their accuracy. If the source date is prior to the effective date of the appraisal, the appraiser assumes
+the property characteristics and supporting information have not changed in the interim.
diff --git a/chunks/txt/fbd14193159859536968a3a41f05443c011aefff4c7f2178d6940b1ab964f913.txt b/chunks/txt/fbd14193159859536968a3a41f05443c011aefff4c7f2178d6940b1ab964f913.txt
new file mode 100644
index 0000000000000000000000000000000000000000..61d743475bb2f823c7799ae22b7c8eb85d915c56
--- /dev/null
+++ b/chunks/txt/fbd14193159859536968a3a41f05443c011aefff4c7f2178d6940b1ab964f913.txt
@@ -0,0 +1,141 @@
+If an Alley exists, at least one of fields 1-115,
+1-116 (values of Property Off Site
+Improvement Ownership Type) should be
+indicated.
+If an Alley exists, at least one of fields 1-115,
+1-116 (values of Property Off Site
+Improvement Ownership Typ)e should be
+indicated.
+
+118
+
+119
+
+120
+
+121
+
+122
+
+1
+
+1
+
+1
+
+1
+
+1
+
+112
+
+SITE
+
+113
+
+SITE
+
+Street
+Public
+
+Street
+Private
+
+Property Off Site
+Improvement Exists
+Indicator
+
+Property Off Site
+Improvement Exists
+Indicator
+
+114
+
+SITE
+
+Off-Site Improvements -
+Type
+Alley
+
+Property Off Site
+Improvement
+Description
+
+115
+
+SITE
+
+116
+
+SITE
+
+Alley
+Public
+
+Alley
+Private
+
+Property Off Site
+Improvement Exists
+Indicator
+
+Property Off Site
+Improvement Exists
+Indicator
+
+Indicates that the particular off-site
+improvement feature specified by
+Property Off Site Improvement
+Feature Type is present.
+Indicates that the particular off-site
+improvement feature specified by
+Property Off Site Improvement
+Feature Type is present.
+A free-form text field used to describe
+the property off-site improvement
+specified by Property Off Site
+Improvement Feature Type.
+Indicates that the particular off-site
+improvement feature specified by
+Property Off Site Improvement
+Feature Type is present.
+Indicates that the particular off-site
+improvement feature specified by
+Property Off Site Improvement
+Feature Type is present.
+
+123
+
+1
+
+117
+
+SITE
+
+FEMA Special Flood
+Hazard Area
+Yes
+
+GSE FEMA Special
+Flood Hazard Area
+Indicator
+
+Indicates whether any part of the
+subject parcel is in a FEMA
+designated Flood Zone.
+
+124
+
+1
+
+118
+
+SITE
+
+FEMA Special Flood
+Hazard Area
+No
+
+GSE FEMA Special
+Flood Hazard Area
+Indicator
diff --git a/chunks/txt/fbd7fca19036b55fb851075c5a3b33241d761562ce9def570c6ac54df58a675e.txt b/chunks/txt/fbd7fca19036b55fb851075c5a3b33241d761562ce9def570c6ac54df58a675e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..012d6103f2a7b666ae6854334a43d115ca4bbb6d
--- /dev/null
+++ b/chunks/txt/fbd7fca19036b55fb851075c5a3b33241d761562ce9def570c6ac54df58a675e.txt
@@ -0,0 +1,38 @@
+19. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and
+information in this appraisal report are true and correct.
+
+20. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any
+agreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a
+predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or
+occurrence of a specific subsequent event (such as approval of a pending mortgage loan application).
+
+21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided
+significant real property appraisal assistance.
+
+22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is
+unauthorized and I will take no responsibility for it.
+
+Appraisal Version #3
+
+Fannie Mae | Freddie Mac
+September 2024
+
+Appraiser Reference ID
+
+2222-55HG
+
+Client Reference ID BL2345-1234567
+
+Uniform Residential Appraisal Report
+
+Page 29 of 30
+Page 29 of 30
+
+Certifications (continued)
+
+23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will
+receive this appraisal report.
+
+24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject
+to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that
+pertain to disclosure or distribution by me.
diff --git a/chunks/txt/fbfe03df2049e40335f2676d11c4e9c89a1e734b0138fbeb3d24f19d7aa790a4.txt b/chunks/txt/fbfe03df2049e40335f2676d11c4e9c89a1e734b0138fbeb3d24f19d7aa790a4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..344c93df92ed913dc4c13dd251d2dccb15d58cc6
--- /dev/null
+++ b/chunks/txt/fbfe03df2049e40335f2676d11c4e9c89a1e734b0138fbeb3d24f19d7aa790a4.txt
@@ -0,0 +1,107 @@
+Unit is an ADU: Indicates whether the unit is considered an accessory dwelling
+unit.
+Notes:
+•
+
+If Number of ADUs on Subject Property 3.006 is zero, this question does
+not display.
+If Number of ADUs on Subject Property is 1 or more, this question displays
+in each instance of Unit Interior to identify which unit is the ADU.
+
+•
+
+10.012
+
+Legally Rentable Required if Unit is an
+
+Yes | No
+
+Indicates whether the ADU is legally rentable.
+
+10.013 Data Source
+
+ADU is Yes
+
+Required if Unit is an
+ADU is Yes
+
+10.014 Typical for
+
+Market
+
+10.015
+
+Ingress / Egress
+
+Required if Unit is an
+ADU is Yes
+
+Required if Unit is an
+ADU is Yes
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+The data source(s) that the appraiser used to determine whether the ADU is
+legally rentable.
+•
+•
+•
+•
+•
+•
+
+Assessor Record
+Property Owner
+Property Tenant
+Real Estate Agent
+Zoning
+Other (Describe)
+
+Yes | No
+
+Indicates whether ADUs are typical for the identified market.
+
+Choose an
+allowable answer
+from table (Ingress
+/ Egress)
+
+The entrance(s) and exit(s) to the ADU.
+•
+•
+•
+
+Interior Access Only
+Interior and Exterior Access
+Exterior Access Only
+
+10.016
+
+Separate Postal
+Address
+
+Required if Unit is an
+ADU is Yes
+
+Yes | No
+
+Indicates whether the ADU has a separate address from other unit(s) on the
+property.
+
+Allowable Answer
+
+Interior Access Only
+
+Interior and Exterior Access
+
+Unit Interior: ADU Information - Ingress / Egress (Choose one for the ADU)
+
+Definition / Additional Guidance
+
+The ADU can only be accessed from the interior of the structure that it is attached to (has continuous access).
+Note: Do not select this answer for standalone ADUs.
diff --git a/chunks/txt/fc0c07bba7d658c3f33ca0c8a42499701a3dfba276e7305c87bb8b0c980012bc.txt b/chunks/txt/fc0c07bba7d658c3f33ca0c8a42499701a3dfba276e7305c87bb8b0c980012bc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..79fb5363afaf4e2ff4596c7f047995bdb3f1ea88
--- /dev/null
+++ b/chunks/txt/fc0c07bba7d658c3f33ca0c8a42499701a3dfba276e7305c87bb8b0c980012bc.txt
@@ -0,0 +1,104 @@
+Completion
+Inspection
+Repair (includes replacement)
+None (does not require repair, replacement, completion, or inspection)
+
+The recommended action for the defect, damage, or deficiency.
+•
+•
+•
+•
+Note:
+•
+
+If Completion, Inspection, or Repair is reported for any defect, damage, or
+deficiency
+
+o
+
+o
+
+The report must be made subject to the resolution of the item
+(Market Value Condition 26.009 cannot be As Is).
+If Repair is selected, the estimated cost to repair may be
+provided in the Reconciliation section.
+
+Site Valuation Methodology
+
+This subsection enables Opinion of Site Value (and land comparables if applicable) to be included in the URAR
+when there is no Cost Approach section. It displays here when Site Value Developed by Appraiser is Yes.
+
+Site: Site Valuation Methodology
+
+Report
+Field ID
+
+Not on
+Report
+
+Report Label
+
+When to Include
+
+This is an
+appraiser input
+that does not
+display
+
+Required when there
+is no Cost Approach
+section
+
+Allowable
+Answers / Format
+
+Yes | No
+
+Site Value and Site Valuation Method
+
+Definition / Additional Guidance
+
+Site Value Developed by Appraiser
+•
+
+Yes (The Site Valuation Methodology subsection is included in the Site
+section)
+No (The Site Valuation Methodology subsection is not included in the
+Site section)
+
+•
+
+Report Label
+
+When to Include
+
+Report
+Field ID
+
+4.105
+
+Opinion of Site
+Value
+
+4.106
+
+Primary Site
+Valuation
+Method
+
+Required if Site Value
+Developed by
+Appraiser is Yes
+
+Required if Site Value
+Developed by
+Appraiser is Yes
+
+Site Value and Site Valuation Method
+
+Allowable
+Answers / Format
+
+Dollar amount
+
+Definition / Additional Guidance
diff --git a/chunks/txt/fc0c284e914110cfc0b51a612874171e50f8bb92375a0df2c1394976707e3e8b.txt b/chunks/txt/fc0c284e914110cfc0b51a612874171e50f8bb92375a0df2c1394976707e3e8b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3c6bb2e14c51ba3936da19f0fcab3986d350137a
--- /dev/null
+++ b/chunks/txt/fc0c284e914110cfc0b51a612874171e50f8bb92375a0df2c1394976707e3e8b.txt
@@ -0,0 +1,245 @@
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+FTR-R
+
+Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024
+
+HDR-L
+
+TCH
+TB
+
+2 COLUMN PAGE FORMAT
+
+HDR-R
+
+Property Address
+
+Dwelling(s)
+
+TB-SCA_sub-H1
+
+Subject Property
+
+Comparable #
+
+Comparable #
+
+Comparable #
+
+TB
+
+Year Built
+
+Structure Design
+
+Gross Building Finished Area
+
+Noncontinuous
+Finished Area
+
+Townhouse End Unit
+
+Townhouse Back to Back
+
+Townhouse Location
+
+Construction Method
+
+Manufactured Home Width
+
+Dwelling Style
+
+Total Dwelling Volume
+
+Window Surface Area
+
+Functional Issues
+
+Disaster Mitigation
+
+Heating
+
+Cooling
+
+TB
+
+TB
+
+Energy Efficient and Green Features
+
+TB-SCA_sub-H1-ADJ
+
+Renewable Energy
+Component
+
+Building Certification
+
+TB
+
+Efficiency Rating
+
+Unit(s)
+
+TB-SCA_sub-H1
+
+TB-B
+TB-B
+
+Structure ID | Unit ID
+
+Location of ADU
+
+TB
+
+Floor Number
+
+Corner Unit
+
+Levels in Unit
+
+Bedrooms
+
+Baths - Full | Half
+
+Finished Area Above Grade
+
+Finished Area Above
+Grade (Nonstandard)
+
+Unfinished Area Above
+Grade
+
+Finished Area Below Grade
+
+Finished Area Below Grade
+(Nonstandard)
+
+Unfinished Area
+Below Grade
+
+Features for Individuals
+w/Disabilities
+
+Quality and Condition (Ratings: 1-6, 1 is highest)
+
+TB-SCA_sub-H1
+
+Exterior Quality and Condition
+
+TB-SCA_H2
+
+Structure ID
+
+Quality
+
+Exterior Walls and Trim
+
+Foundation
+
+Roof
+
+Windows
+
+Condition
+
+Exterior Walls and Trim
+
+Foundation
+
+Roof
+
+Windows
+
+TB
+
+TB-B
+
+TB-B
+TB-I
diff --git a/chunks/txt/fc0e0b4b777e5baf1b069a31a0dcf23a7a95ad06c22697f733b7a99bc5618938.txt b/chunks/txt/fc0e0b4b777e5baf1b069a31a0dcf23a7a95ad06c22697f733b7a99bc5618938.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4850978649f2ecce39a689ce868b6d7fd6a58584
--- /dev/null
+++ b/chunks/txt/fc0e0b4b777e5baf1b069a31a0dcf23a7a95ad06c22697f733b7a99bc5618938.txt
@@ -0,0 +1,37 @@
+This credit will be effective for whole loans purchased (“Purchase Ready” status in Loan Delivery) on or after Mar. 1, 2024 to
+Feb. 28, 2025 and for loans delivered into MBS with issue dates on or after Mar. 1, 2024 to Feb. 1, 2025.
+
+Learn more about the HomReady VLIP enhancements: Lender Letter (LL-2024-01) & HomeReady (VLIP) LLPA Credit Job Aid
+
+Mar 1, 2024
+
+Edit Updates
+
+See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates
+including:
+
+•
+•
+
+4 new fatal edits for HomeReady VLIP LLPA Credit (see HomeReady VLIP section above)
+3 warning edits to validate Note Rate will move to Fatal (added Jan 22)
+
+Mar 4, 2024
+UPDATED
+
+Mission Index Values
+
+In support of the recent updates announced for the Mission Index, Fannie Mae is enhancing Loan Delivery with data to help
+lenders optimize MBS pooling based on the Mission Index values.
+
+The new Mission Index values – Mission Criteria Share and Mission Density Score – will be added under a new Mission Index
+section within the Pool Statistics tab on the Pool Details screen. For Fannie Majors® pools, the scores displayed apply to the
+Major piece and not the entire Major pool.
+
+The Loan Level Data CSV Export file will be updated to add the Loan Mission Score, Mission Density Score, and Mission
+Criteria Share values to the end of the report.
+
+Note: The update to the Mission Index Methodology will be effective on March 1, 2024.
+
+Before March 1: The Mission Index scores displayed in Loan Delivery before March 1 are indicative. Any loans
+closed/purchase ready before March 1 will use the prior version of the methodology.
diff --git a/chunks/txt/fc1194bd5b0f5ee4219cf25de5f5f0dbca34b386eca615b7cb8550351d7e3165.txt b/chunks/txt/fc1194bd5b0f5ee4219cf25de5f5f0dbca34b386eca615b7cb8550351d7e3165.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c18a00fd4bfaf4651fc8a020460dcb9c95e3db51
--- /dev/null
+++ b/chunks/txt/fc1194bd5b0f5ee4219cf25de5f5f0dbca34b386eca615b7cb8550351d7e3165.txt
@@ -0,0 +1,35 @@
+**FHFA Policy Statement on Supervisory and Regulatory Access to Regulated Entity Privileged and Confidential Information**
+
+FHFA expects that regulated entities will produce all FHFA requested information and data notwithstanding privileges or other protections the regulated entity attaches to the information and data. Production to FHFA is compulsory and enforceable with administrative sanctions.
+
+[Policy Statement](/document/policy-statement)
+
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
+
+## Footer
+
+- [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
diff --git a/chunks/txt/fc20534a374ca81678c2d41756ea2799c47804ca87978b00761b5011c43f7803.txt b/chunks/txt/fc20534a374ca81678c2d41756ea2799c47804ca87978b00761b5011c43f7803.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c65aa9cecd098b11d45cf99b79bebb56713d0936
--- /dev/null
+++ b/chunks/txt/fc20534a374ca81678c2d41756ea2799c47804ca87978b00761b5011c43f7803.txt
@@ -0,0 +1,113 @@
+700 New Haven Ave, NW
+Unit 308
+Washington, DC 20001
+
+700 New Haven Ave, NW
+Unit 920
+Washington, DC 20001
+
+702 New Haven Ave, NW
+Unit 514
+Washington, DC 20001
+
+2700 President Ave, NW
+Unit 1234
+Washington, DC 20001
+
+Sale Date
+07/24/2019
+
+Status
+Settled Sale
+
+Reason Not Used
+Finished Area
+
+Comment
+The unit is much smaller than the subject.
+
+07/31/2019
+
+Settled Sale
+
+Dated Sale
+
+08/02/2019
+
+Settled Sale
+
+07/14/2019
+
+Settled Sale
+
+08/10/2019
+
+Settled Sale
+
+Bathroom Count
+Bedroom Count
+Finished Area
+
+Bathroom Count
+Bedroom Count
+Finished Area
+
+Finished Area
+Water View
+
+More recently sold comparable properties were
+available.
+
+This unit has more bathrooms and bedrooms
+than the subject; it’s also a larger unit.
+
+This unit has more bathrooms and bedrooms
+than the subject; it’s also a larger unit.
+
+This unit has a water view of the river and is
+larger in size when compared to the subject.
+
+Appraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 14 of 18
+Page 14 of 18
+
+Sales Comparison Approach (continued)
+
+New Pg
+
+Sales Comparison Map
+
+Appraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 15 of 18
+Page 15 of 18
+
+Sales Comparison Approach (continued)
+
+New Pg
+
+Sales Comparison Approach Exhibits
+
+Comparable #1
+
+Comparable #2
+
+Comparable #3
+
+Reconciliation
+
+Approaches to Value
+
+Indicated Value
+
+Reason for Exclusion
+
+Appraisal Summary
+
+Contract Price
+Opinion of Market Value
diff --git a/chunks/txt/fc2502334fe579b4b0b74663dfb5f8eab25f3a812402dd847e7a3fbe7b7df56d.txt b/chunks/txt/fc2502334fe579b4b0b74663dfb5f8eab25f3a812402dd847e7a3fbe7b7df56d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..89d84c8d3d058e4ae7f5b81373a99e0fb9384bff
--- /dev/null
+++ b/chunks/txt/fc2502334fe579b4b0b74663dfb5f8eab25f3a812402dd847e7a3fbe7b7df56d.txt
@@ -0,0 +1,74 @@
+Streamlined PERS Submission Process—For Established Projects
+
+Overview
+
+PERS is a review method available to lenders to submit new, newly converted, and established projects to Fannie Mae to
+determine eligibility. Some projects must be submitted to PERS while a PERS submission is optional for other projects, as shown
+in the table below.
+
+Standard PERS Process
+
+Streamlined PERS Process
+
+Required for:
+
+Required for:
+
+•
+
+•
+
+established condo projects consisting of single-
+section manufactured homes; and
+established condo or established PUD projects
+consisting of manufactured homes subject to a
+community land trust, deed restriction, ground
+lease, or shared equity arrangement.
+
+Optional for:
+
+•
+
+established condo projects.
+
+• new condo projects consisting of manufactured
+homes (including those subject to a community
+land trust, deed restrictions, ground lease, or
+shared equity arrangement);
+
+• new PUD projects consisting of manufactured
+homes subject to a community land trust, deed
+restriction, ground lease, or shared equity
+arrangement;
+
+• newly converted non-gut rehabilitation condo
+and co-op projects with attached units that
+contain more than four units;
+
+• new and newly converted condo projects
+
+•
+
+consisting of attached units located in Florida;
+and
+limited or shared equity co-op projects, provided
+the limited or shared equity provisions are
+designed to preserve or promote access to
+affordable housing.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 138 of 166
+
+UAD 3.6 Policy
+
+Optional for:
+
+Standard PERS Process
+
+Streamlined PERS Process
+
+•
+
+all other new or newly converted condo
+projects not listed above.
diff --git a/chunks/txt/fc36d733eca33c9d7c95ba297154415aa7859b52790bd850dd209f71f94264a9.txt b/chunks/txt/fc36d733eca33c9d7c95ba297154415aa7859b52790bd850dd209f71f94264a9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..04ad923ddcd0f3b7b1e926794e5dad4284707699
--- /dev/null
+++ b/chunks/txt/fc36d733eca33c9d7c95ba297154415aa7859b52790bd850dd209f71f94264a9.txt
@@ -0,0 +1,114 @@
+Version Change #
+
+iGuide Chapter
+
+Revision Description
+
+Page 4
+
+2024-028 Header and Footer
+
+Updated DocumentFormIssuingEntityVersionIdentifier
+
+2024-023
+
+01 Summary
+
+2024-002
+
+02 Assignment
+Information
+
+2024-002
+
+04 Site
+
+Clarified display rule when there are multiple values for
+ConstructionMethodType (FID: 1.012)
+
+Corrected typo UID 1000.0016 should be 1000.0116
+
+UID 1500.0247 should be 1500.0091
+
+Clarified display rules if there are multiple values for ParcelSeparatorType
+
+2024-012
+
+04 Site
+
+Corrected display rule for Site Valuation Methodology subsection
+
+2024-040
+
+08 Dwelling Exterior
+
+Clarified display rules if there are multiple values in Mechanical System
+Details
+
+9/17/2024
+
+1.2
+
+2024-002
+
+09 Manufactured
+Home
+
+Corrected typo in data point names for Retailer’s Invoice Reviewed and
+Manufacturer’s Invoice Reviewed
+
+2024-013
+
+10 Unit Interior
+
+2024-054
+
+10 Unit Interior
+
+2024-034
+
+10 Unit Interior
+
+25 Cost Approach
+
+Provided guidance for Room Summary in the Level and Room Detail table
+
+(FID: 10.033)
+
+Corrected display rule for UnitBelowGradeUnfinishedAreaMeasure (UID:
+0700.0144, FID: 10.008)
+
+Removed square meters from Area Size, Replacement or Reproduction Cost
+per Unit of Measure, and Finished Above Grade
+
+2024-045
+
+14 Subject Property
+Amenities
+
+Clarified display rules if there are multiple values in
+SwimmingPoolFeatureType
+
+2024-046
+
+14 Subject Property
+Amenities
+
+Corrected conditionality for Subject Property Amenity Exhibits
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Date
+
+Version Change #
+
+iGuide Chapter
+
+Revision Description
+
+Page 5
+
+2024-002
+
+15 Overall Quality and
+Condition
diff --git a/chunks/txt/fc3864c675826140f235e11693ec9bdc663876e3364336c2367d92f48cb0528a.txt b/chunks/txt/fc3864c675826140f235e11693ec9bdc663876e3364336c2367d92f48cb0528a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a57a0740716f5a331b18b026cedc383da911762b
--- /dev/null
+++ b/chunks/txt/fc3864c675826140f235e11693ec9bdc663876e3364336c2367d92f48cb0528a.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\/851","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();
diff --git a/chunks/txt/fc3adf967ce58428cc9e4e1b57b191d04e3d1ff9008893e5af3959ceafe54e06.txt b/chunks/txt/fc3adf967ce58428cc9e4e1b57b191d04e3d1ff9008893e5af3959ceafe54e06.txt
new file mode 100644
index 0000000000000000000000000000000000000000..99d9d5b150ecc24d4fdda40457c0014edb30b930
--- /dev/null
+++ b/chunks/txt/fc3adf967ce58428cc9e4e1b57b191d04e3d1ff9008893e5af3959ceafe54e06.txt
@@ -0,0 +1,124 @@
+Feature
+
+Location
+
+Description
+
+Affects Soundness
+or Structural
+Integrity
+
+Recommended
+Action
+
+Inspection Date
+
+Completion Status
+
+Is construction complete?
+Was construction completed in a manner consistent with the original plans and
+specifications?
+
+Yes No
+ 
+ 
+
+Feature
+
+Location
+
+Comparison to Original
+Plans/Specs
+
+Comment
+
+Completion Report Commentary
+
+Completion Report Exhibits
+
+Assignment Information
+
+Borrower Name
+
+Appraiser Fee
+AMC Fee
+Government Agency
+Investor Requested Special Identification
+
+Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Completion Report Page [Page] of [Pages]Completion Version #Fannie Mae | Freddie Mac September 2024
+
+Contact Information
+
+[Role]/[Role]
+
+Company Name
+Company Address
+
+Appraiser
+
+Name
+Designation
+Company Name
+Company Address
+
+Scope of Inspection by Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date
+
+Supervisory Appraiser
+
+Name
+Designation
+Company Name
+Company Address
+
+Scope of Inspection by Supervisory Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date
+
+Assignment Information and Scope of Work Commentary
+
+Credentials
+
+ID
+State
+Expires
+
+Credentials
+
+Level
+ID
+State
+Expires
+
+ASC Identifier
+VA Appraiser ID
+FHA Appraiser ID
+Employment Type
+
+Credentials
+
+Level
+ID
+State
+Expires
+
+ASC Identifier
+VA Appraiser ID
+FHA Appraiser ID
+Employment Type
+
+Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Completion Report Page [Page] of [Pages]Completion Version #Fannie Mae | Freddie Mac September 2024
+
+Intended Use
+
+The intended use of this certification of completion is for the lender/client to confirm that the requirements or conditions stated in the
+appraisal report referenced above have been met.
diff --git a/chunks/txt/fc3e3ffcf090b6f48350adc9a4c187a3dbe4bbe8ba29ff5079b4757e5d4431b5.txt b/chunks/txt/fc3e3ffcf090b6f48350adc9a4c187a3dbe4bbe8ba29ff5079b4757e5d4431b5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e84c88db273fa5dd39efb5c87b6c789ae95a9d63
--- /dev/null
+++ b/chunks/txt/fc3e3ffcf090b6f48350adc9a4c187a3dbe4bbe8ba29ff5079b4757e5d4431b5.txt
@@ -0,0 +1,22 @@
+Page 21 of 23
+
+This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of
+assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions
+and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis
+necessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the
+certifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material
+alterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an
+appraisal organization, are permitted.
+
+Scope of Work
+
+The scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users,
+the intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the
+applicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject
+property; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property
+reported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report.
+
+Intended Use
+
+The intended use of the opinions and conclusions contained in this appraisal report is for the intended user to evaluate the property that is the
+subject of this appraisal for a mortgage finance transaction or related activities.
diff --git a/chunks/txt/fc402159f75803543cc5d3c440dad3ed6e5b18e73457901e2a38e4a244ea49af.txt b/chunks/txt/fc402159f75803543cc5d3c440dad3ed6e5b18e73457901e2a38e4a244ea49af.txt
new file mode 100644
index 0000000000000000000000000000000000000000..180aa8888eb2b5118d54054211ba1aa607abdf5f
--- /dev/null
+++ b/chunks/txt/fc402159f75803543cc5d3c440dad3ed6e5b18e73457901e2a38e4a244ea49af.txt
@@ -0,0 +1,14 @@
+(cid:19)(cid:62)(cid:57)(cid:65)(cid:35)(cid:68)(cid:35)(cid:38)(cid:54)(cid:45)(cid:1)(cid:76)
+
+(cid:1)(cid:2)
+
+(cid:1)(cid:2)
+
+(cid:19)(cid:62)(cid:57)(cid:65)(cid:35)(cid:68)(cid:35)(cid:38)(cid:54)(cid:45)(cid:1)(cid:76)
+
+(cid:1)(cid:2)
+
+(cid:17)(cid:66)(cid:66)(cid:69)(cid:36)(cid:52)(cid:71)(cid:36)(cid:55)(cid:76)(cid:33)(cid:46)(cid:69)(cid:71)(cid:52)(cid:63)(cid:60)(cid:2)(cid:76) (cid:25)(cid:23)(cid:3)(cid:5)(cid:5)(cid:8)(cid:76)
+
+(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)
diff --git a/chunks/txt/fc4895e027aef77e067a767208d8a90228dab0603d3a0201427a66eb95ca0b5f.txt b/chunks/txt/fc4895e027aef77e067a767208d8a90228dab0603d3a0201427a66eb95ca0b5f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..262848c382c34988dc300bfdaaee754163bff21a
--- /dev/null
+++ b/chunks/txt/fc4895e027aef77e067a767208d8a90228dab0603d3a0201427a66eb95ca0b5f.txt
@@ -0,0 +1,126 @@
+Quality Comment
+Quality meets market
+expectations for this type of
+dwelling.
+
+Condition Status
+Typical Wear and Tear
+
+Condition Comment
+No damage or condition
+issues noted.
+
+Foundation
+
+Poured Concrete | Basement
+
+Typical Wear and Tear
+
+Roof
+
+Windows
+
+Composition
+Estimated Age: 10-20 years
+
+Thermal Double Hung and
+some Casement Windows
+
+25 year rated shingles
+
+Typical Wear and Tear
+
+Brand Y Windows
+
+New or Like New
+
+Foundation appears
+sound with typical hairline
+settlement cracks.
+
+No apparent signs of damage
+or leaks.
+
+Mechanical System Details
+
+Heating
+
+Cooling
+
+System
+Forced Warm Air
+
+Centralized
+
+Detail
+Electric
+
+Core Heating System Below Grade
+
+Yes No
+ 
+
+Apparent Defects, Damages, Deficiencies (Dwelling Exterior)
+
+None
+
+Dwelling Exterior Commentary
+
+The exterior was recently painted, and new windows, shutters, and doors were installed.
+
+Dwelling Exterior Exhibits
+
+Dwelling Rear
+
+Side View
+
+This is where the Dwelling Rear photo would display.
+
+This is where the Dwelling Side photo would display.
+
+Unit Interior - Primary Dwelling
+
+Area Breakdown
+
+Finished Above Grade
+Unfinished Above Grade
+Finished Below Grade
+Unfinished Below Grade
+
+Area Data Source
+
+3,304 Sq. Ft.
+0 Sq. Ft.
+640 Sq. Ft.
+616 Sq. Ft.
+Assessor Record
+MLS
+Physical Measurement
+
+Below Grade Finish Compared
+to Above
+
+Similar
+
+ADU
+
+Yes No
+ 
+
+Levels in Unit
+Floor Number
+Occupancy
+Utilities Separately Metered
+Total Bedrooms
+Total Bathrooms - Full
+Total Bathrooms - Half
+
+3
+1st Floor
+Vacant
+No
+5
+3
+1
+
+Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024
diff --git a/chunks/txt/fc49815ee8e2d0484c98b49493653adcd7e96e11a1afddd01ba8cb8be83cad44.txt b/chunks/txt/fc49815ee8e2d0484c98b49493653adcd7e96e11a1afddd01ba8cb8be83cad44.txt
new file mode 100644
index 0000000000000000000000000000000000000000..84cb987185082d968358fcc6a711e754fbd321c4
--- /dev/null
+++ b/chunks/txt/fc49815ee8e2d0484c98b49493653adcd7e96e11a1afddd01ba8cb8be83cad44.txt
@@ -0,0 +1,41 @@
+Toggle navigation - - [Home](https://www.fanniemae.com/)
+ - [Single-Family Business](/) Toggle - [Originating & Underwriting](/originating-underwriting)
+ - [Pricing & Execution](/pricing-execution)
+ - [Delivering](/delivering)
+ - [Servicing](/servicing)
+ - [Learning Center](/learning-center)
+ - [Apps & Technology](/applications-technology/applications-technology)
+ - [News & Events](/news-events)
+ - [Become a Partner](/become-fannie-mae-seller-or-servicer)
+ - [Multifamily Business](https://multifamily.fanniemae.com/)
+ - [Capital Markets](https://capitalmarkets.fanniemae.com/)
+ - [Homebuyers, Owners, and Renters](https://yourhome.fanniemae.com/)
+ - - [Our Company]()
+ - [About Us](https://www.fanniemae.com/about-us) Toggle - [Who We Are](https://www.fanniemae.com/about-us/who-we-are) Toggle - [Awards and Recognition](https://www.fanniemae.com/about-us/who-we-are/awards-and-recognition)
+ - [Employee Code of Conduct](https://www.fanniemae.com/about-us/who-we-are/employee-code-conduct)
+ - [Community Engagement](https://www.fanniemae.com/about-us/who-we-are/community-engagement)
+ - [History](https://www.fanniemae.com/about-us/who-we-are/history)
+ - [What We Do](https://www.fanniemae.com/about-us/what-we-do) Toggle - [Fannie Mae Today](https://www.fanniemae.com/about-us/what-we-do/fannie-mae-today)
+ - [Duty to Serve](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve) Toggle - [Manufactured Housing](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve/manufactured-housing)
+ - [Affordable Housing Preservation](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve/affordable-housing-preservation)
+ - [Rural Housing](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve/rural-housing)
+ - [Research Initiatives](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve/research-initiatives)
+ - [Heirship](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve/heirship)
+ - [Colonias Investment Areas](https://www.fanniemae.com/about-us/what-we-do/duty-to-serve/colonias-investment-areas-research)
+ - [Supporting Native American homeownership](https://www.fanniemae.com/about-us/what-we-do/duty-serve/native-american-homeownership)
+ - [Homeownership](https://www.fanniemae.com/about-us/what-we-do/homeownership) Toggle - [Access to Mortgage Credit](https://www.fanniemae.com/about-us/what-we-do/homeownership/access-mortgage-credit)
+ - [Restrictive Covenants](https://www.fanniemae.com/about-us/what-we-do/homeownership/restrictive-covenants)
+ - [Innovation](https://www.fanniemae.com/about-us/what-we-do/innovation)
+ - [Financial Performance](https://www.fanniemae.com/about-us/what-we-do/financial-performance)
+ - [Disaster Resiliency and Response](https://www.fanniemae.com/about-us/what-we-do/disaster-resiliency-and-relief)
+ - [Pilot Transparency](https://www.fanniemae.com/about-us/what-we-do/pilot-transparency)
+ - [Positive Rent Payment Reporting](https://www.fanniemae.com/about-us/what-we-do/positive-rent-payment-reporting)
+ - [Leadership Team](https://www.fanniemae.com/about-us/fannie-mae-leadership-team)
+ - [Corporate Governance](https://www.fanniemae.com/about-us/corporate-governance) Toggle - [Corporate Governance Guidelines](https://www.fanniemae.com/about-us/corporate-governance/corporate-governance-guidelines)
+ - [Fannie Mae Charter](https://www.fanniemae.com/about-us/corporate-governance/fannie-mae-charter)
+ - [Board of Directors](https://www.fanniemae.com/about-us/corporate-governance/board-directors)
+ - [Committees](https://www.fanniemae.com/about-us/corporate-governance/fannie-mae-board-committees)
+ - [Committee Charters](https://www.fanniemae.com/about-us/corporate-governance/board-committee-charters)
+ - [Code of Conduct](https://www.fanniemae.com/about-us/corporate-governance/fannie-mae-code-conduct-board-directors)
+ - [Bylaws](https://www.fanniemae.com/about-us/corporate-governance/bylaws)
+ - [Contacting the Board of Directors](https://www.fanniemae.com/about-us/corporate-governance/contacting-board-direc
diff --git a/chunks/txt/fc564dd7a86b0b7262d5cd9b606f6c7676dc2115a07b883879587db64f5c42f9.txt b/chunks/txt/fc564dd7a86b0b7262d5cd9b606f6c7676dc2115a07b883879587db64f5c42f9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..66aa8367e0b11e2b6eab15b4c4eff72e6e353187
--- /dev/null
+++ b/chunks/txt/fc564dd7a86b0b7262d5cd9b606f6c7676dc2115a07b883879587db64f5c42f9.txt
@@ -0,0 +1,275 @@
+This field is required if the value of field e-
+19 (GSE Below Grade Finish Square Feet
+Number) is greater than zero.
+
+Should be populated if field 3-44 (Sale Price
+Adjustment Type Other Description) is
+populated.
+
+Should be populated if field 3-46 (Sale Price
+Adjustment Type Other Description) is
+populated.
+
+Should be populated if field 3-48 (Sale Price
+Adjustment Type Other Description) is
+populated.
+
+CR
+
+CR
+
+CR
+
+CR
+
+T
+
+T
+
+R
+
+R
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+363
+
+364
+
+365
+
+366
+
+367
+
+368
+
+369
+
+370
+
+371
+
+372
+
+373
+
+374
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+39
+
+40
+
+41
+
+42
+
+43
+
+44
+
+45
+
+46
+
+47
+
+48
+
+49
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+Functional Utility
+
+Heating/Cooling
+
+Energy Efficient Items
+
+Garage/Carport
+
+Porch/Patio/Deck
+
+Extra Item Feature Name
+
+Extra Item Feature Description
+
+Extra Item Feature Name
+
+Extra Item Feature Description
+
+Extra Item Feature Name
+
+Extra Item Feature Description
+
+Form FNM 1075 FRE 466
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 155 of 211
+
+Document Version 1.4
+
+Implementation Notes
+
+Conditionality Description
+
+Data Field
+Conditionality
+
+Sort ID
+
+Form
+Page
+
+Form
+Reference
+Number
+
+Form Section
+
+Form Field Label
+
+Data Point Name
+
+Data Point Definition
+
+XPath
+
+Data Point Field
+Length
+
+375
+
+376
+
+377
+
+378
+
+379
+
+380
+
+381
+
+382
+
+383
+
+384
+
+385
+
+386
+
+387
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+50
+
+51a
+
+51b
diff --git a/chunks/txt/fc56a9f4b9afb8c374a72d7ef44a709d396125e035bc030d60c8a793f6084b8a.txt b/chunks/txt/fc56a9f4b9afb8c374a72d7ef44a709d396125e035bc030d60c8a793f6084b8a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..aadf73efaf0f72752dc518bd15031c6ad79e9ae5
--- /dev/null
+++ b/chunks/txt/fc56a9f4b9afb8c374a72d7ef44a709d396125e035bc030d60c8a793f6084b8a.txt
@@ -0,0 +1,81 @@
+Interest Rate
+Loan Amount in Whole Dollars
+Front-end Ratio
+Back-end Ratio
+Credit Scores are separated into ranges: 1 = <620, 2 = 620 to < 660, 3 = 660 < 700, 4 =
+700 < 760, 5 = 760 or greater 9=missing
+Credit Scores are separated into ranges: 1 = <620, 2 = 620 to < 660, 3 = 660 < 700, 4 =
+700 < 760, 5 = 760 or greater, 9 = missing or no co-borrower
+Percent of the original loan balance covered by primary mortgage insurance (PMI)
+0=no PMI
+
+Self-Employed Indicator
+1=yes;
+2=no
+Property Type
+PT01=Single family detached;
+PT02=Deminimus PUD;
+PT03=Single Family Attached;
+PT04=Two family;
+PT05=Townhouse;
+PT06=Low-Rise Condominium;
+PT07=PUD;
+PT08=Duplex;
+PT09=three family;
+PT10=Four family;
+PT11=Hi-Rise condominium;
+PT12=Manufactured Home
+
+ARM Index
+01=11th District Cost of Funds;
+02=Other Cost of Funds Index;
+03=LIBOR;
+04=1 year Constant Treasury Rate
+99=Not an ARM
+ARM Margin
+99999=Not an ARM
+Prepayment Penalty Date
+12/31/9999=No Prepayment Penalty Date
+
+Page 3 of 5
+
+Column
+
+67 BoEth
+
+68 Race2
+
+69 Race3
+
+70 Race4
+
+71 Race5
+
+72 CoEth
+
+73 CoRace2
+
+74 CoRace3
+
+AMA_PUDB_definitions_2018.xlsx
+
+Definition
+Borrower Ethnicity
+1 -- Hispanic or Latino
+2 -- Not Hispanic or Latino
+3 -- Information not provided by borrower in mail, Internet, or telephone application
+Borrower Race 2
+1 -- American Indian or Alaska Native
+2 -- Asian
+3 -- Black or African American
+4 -- Native Hawaiian or Other Pacific Islander
+5 -- White
+6 -- Information not provided by borrower in mail, Internet, or telephone application
+
+Borrower Race 3
+1 -- American Indian or Alaska Native
+2 -- Asian
+3 -- Black or African American
+4 -- Native Hawaiian or Other Pacific Islander
+5 -- White
+6 -- Information not provided by borrower in mail, Internet, or telephone application
diff --git a/chunks/txt/fc584dd3e36c60d5300c17752eb3cd9ffb3a567550e0fc19910cbd3c532ade32.txt b/chunks/txt/fc584dd3e36c60d5300c17752eb3cd9ffb3a567550e0fc19910cbd3c532ade32.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cd9dfca23d8769615d6409bef388c22df704180f
--- /dev/null
+++ b/chunks/txt/fc584dd3e36c60d5300c17752eb3cd9ffb3a567550e0fc19910cbd3c532ade32.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/policy/pmiers"
+date_accessed: "2026-01-27T17:54:20.329Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/fc5d604fd90de9bed6d5c4b09c66b5e0c472b1226f5a2a4112c4163c77eb104e.txt b/chunks/txt/fc5d604fd90de9bed6d5c4b09c66b5e0c472b1226f5a2a4112c4163c77eb104e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ee219870170303f096e7d027e8f76377bd4d9d34
--- /dev/null
+++ b/chunks/txt/fc5d604fd90de9bed6d5c4b09c66b5e0c472b1226f5a2a4112c4163c77eb104e.txt
@@ -0,0 +1,57 @@
+Step
+
+The appraiser must determine
+
+1
+
+the fee simple value of the property by using the sales comparison approach to value,
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 113 of 166
+
+UAD 3.6 Policy
+
+Step
+
+The appraiser must determine
+
+2
+
+3
+
+the applicable capitalization rate and convert the income from the ground lease into a leased fee value by using
+the market-derived capitalization rate, and
+
+the leasehold value by reducing the fee simple value by the leased fee value. (For detailed information related
+to this process, see below.)
+
+Note: When this technique is used, there is no need to indicate the land value of the security property in the appraisal report.
+
+• On the appraisal report, the appraiser must
+
+indicate “leasehold” as the property rights appraised,
+
+o
+o provide the applicable ground rent paid to the community land trust,
+o
+
+show the estimated fee simple value for the property in the Indicated Value by Sales Comparison Approach field
+in the appraisal report, and
+report the “leasehold value” in the Alternate Opinion of Value field in the appraisal report
+
+o
+
+Comparable Selection Requirements for Determining Fee Simple Value
+
+In determining the fee simple value of the subject property, the appraiser must use comparable sales of similar properties that
+are owned as fee simple estates. If this is not possible, the appraiser may use sales of properties that are subject to other types of
+leasehold estates as long as they make appropriate adjustments, based on the terms of their leases, to reflect a fee simple
+interest.
+
+When the neighborhood or market area has sales activity for other leasehold estates held by a community land trust, the
+appraiser must discuss them in the appraisal report, but must not use them as comparable sales because, in all likelihood, the
+sales prices will have been limited by restrictions in the ground lease. Therefore, these sales transactions would not be
+comparable to the hypothetical condition that the property rights being appraised are the leasehold interest without the resale
+and other restrictions on which Fannie Mae requires the appraisal of the subject property to be based. See SB4-1.3-08,
+Comparable Sales, for general requirements regarding comparable selection.
diff --git a/chunks/txt/fc781a5d148d5be9b1fbdd3e2b8ecf4c6a6a60ecc4ca7dc220781d86728cd8cd.txt b/chunks/txt/fc781a5d148d5be9b1fbdd3e2b8ecf4c6a6a60ecc4ca7dc220781d86728cd8cd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..58c2199108d389f65bb24019da4c6b9ed123fe7a
--- /dev/null
+++ b/chunks/txt/fc781a5d148d5be9b1fbdd3e2b8ecf4c6a6a60ecc4ca7dc220781d86728cd8cd.txt
@@ -0,0 +1,54 @@
+sq. ft. finished area = 900 sq. ft.) regardless of usage.
+
+• Heating is reported in the outbuilding Detail subsection (checkboxes), in addition to utilities.
+•
+
+In the Outbuilding Area table, the finished and unfinished area not related to vehicle storage is reported,
+along with the full bath.
+
+o Area detail for the 2-car garage is reported in Vehicle Storage and not in the Outbuilding Area table.
+
+Appendix F-1: URAR Reference Guide
+
+Page 365 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Appendix 4: Detached Garage Examples
+
+Vehicle Storage
+
+Only the area and details that are specific to the subject’s driveway and garage are reported in this section.
+
+Sales Comparison Approach
+
+In this example, Comparable #1 has a multipurpose outbuilding with 550 sq. ft. of GBA that includes:
+• 400 sq. ft. 2-car garage
+• 150 sq. ft. unfinished area (shed)
+The outbuilding is not heated.
+Outbuilding Type is selected as Other, and described as Shed/Garage.
+
+Vehicle Storage Subsection
+
+Information about the subject property’s garage populates from the Vehicle Storage section. If the subject or
+comparable(s) have additional features that impact value and/or marketability, dynamic rows are utilized to
+support adjustments and conclusions.
+
+In this example:
+• None of the comparables have additional features impacting value and/or marketability, so no dynamic
+
+rows were needed.
+
+• There are no measurable differences between the vehicle storage for the subject and Comparable #1, so no
+
+adjustment is made.
+
+Appendix F-1: URAR Reference Guide
+
+Page 366 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
diff --git a/chunks/txt/fc80f8fc494675ade3ba536f0adf7c1edd594218014c72c70ff6a789d18b7b9a.txt b/chunks/txt/fc80f8fc494675ade3ba536f0adf7c1edd594218014c72c70ff6a789d18b7b9a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e312dd31db1b7de1c7f3770fb77ef0bb48bc9b03
--- /dev/null
+++ b/chunks/txt/fc80f8fc494675ade3ba536f0adf7c1edd594218014c72c70ff6a789d18b7b9a.txt
@@ -0,0 +1,134 @@
+Contact Information
+
+Client/Lender
+
+Company Name
+Company Address
+
+Appraisal Management Company
+
+Company Name
+
+Company Address
+
+Appraiser
+
+Name
+Designation
+Company Name
+Company Address
+
+DEF Bank
+200 Elm St
+Anytown, VA 12346
+
+XYZ Appraisal Management
+Company
+300 Maple Ave
+Anytown, VA 12345
+
+Agatha Appraiser
+SRA
+ABC Appraisal Co.
+123 Main St
+Anytown, VA 12345
+
+Credentials
+
+Level
+ID
+State
+Expires
+
+Certified Residential
+XYZ12345
+VA
+10/10/2020
+
+Scope of Inspection by Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date
+
+Physical
+Physical
+09/20/2019
+
+Significant Real Property Appraisal Assistance
+
+Name
+
+Andrew Appraiser
+
+Credentials
+
+Level
+
+None
+
+Description Andrew Appraiser, a trainee appraiser, filled out the Market section, provided the Market Analysis, assisted in measuring
+property, and did an exterior inspection of the comparables from the street.
+
+Subject Property
+
+Physical Address
+
+County
+Neighborhood Name
+
+123 Falling Tree Ct
+Treeville, VA 12345
+Arboreal
+Sunnyside
+
+Attachment Type
+Units Excluding ADUs
+Accessory Dwelling Units
+Special Tax Assessments
+
+Detached
+1
+0
+No
+
+Planned Unit Development (PUD)
+Condominium
+Cooperative
+Condop
+Property on Native American Lands
+Subject Site Owned in Common
+Homeowner Responsible for all Exterior Maintenance
+of Dwelling(s)
+New Construction
+
+Yes No
+ 
+ 
+ 
+ 
+ 
+ 
+ 
+
+ 
+
+Check #A
+
+Ownership Rights
+
+Property Rights Appraised
+
+Fee Simple
+
+All Rights Included in Appraisal
+
+Yes
+
+Legal Description
+
+Lot 53 Sunnyside Subdivision
+
+Appraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024
diff --git a/chunks/txt/fc83e0e308be1f64c3a53fdd3e810a364ccaf7f7ff9f2bedddf8d0c163d9f1c0.txt b/chunks/txt/fc83e0e308be1f64c3a53fdd3e810a364ccaf7f7ff9f2bedddf8d0c163d9f1c0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..feceaaac98cf6d76a08b42a79759a757a9207200
--- /dev/null
+++ b/chunks/txt/fc83e0e308be1f64c3a53fdd3e810a364ccaf7f7ff9f2bedddf8d0c163d9f1c0.txt
@@ -0,0 +1,95 @@
+Current
+
+NoteDate of Second
+Lien
+
+Required data about the
+first lien if a second lien is
+being delivered
+
+Date data retrieved
+from submitter’s
+system
+
+Required for any of the
+scenarios listed above if
+more than one
+concurrently closing lien
+exists on the subject
+property
+
+iv
+
+Balloon Loans
+that have Reset
+(For Future
+Use)
+
+v
+
+Delivered
+Second Lien
+
+vi
+
+Concurrently
+Closing
+Subordinate
+Liens
+
+a. Non-Modified Loans
+
+The majority of the information about the loan will be submitted with a
+LoanStateType of “AtClosing.” This is the data that was valid at the time the loan
+was closed. A Current LOAN container also must be submitted.
+
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 37 of 76
+
+Section IV. Using the MISMO V3.0 Reference Model
+
+Figure IV-8. LOAN Containers Required for Non-Modified
+Loans.
+
+Subject Loan / At Closing
+
+Subject Loan / Current
+
+Data about the original
+loan:
+ Underwriting Data
+ Product Derivation
+ Product Features
+ Note Terms
+
+LoanStateDate = NoteDate
+
+b. Modified Loans.
+
+Data valid at the time of
+delivery:
+ Current Balances, Rates,
+Option Status, Payment
+Status
+
+ MI and Credit
+
+Enhancements
+ Escrow Details
+ GSE Transaction Details
+ Program Identifiers, IFIs
+
+LoanStateDate = Date data
+retrieved from submitter’s
+system
+
+If the loan has been modified prior to delivery, the MortgageModificationIndicator
+with a value of “true” will be in the “Current” LOAN container as a signal to expect
+the “AtModification” container as shown in Figure IV-9 below. The business
+partner must deliver all the data about the loan that normally would be submitted
+with a LoanStateType of “AtClosing”; however, this data must be valid as of the
+loan modification date and therefore must be submitted with a LoanStateType of
+“AtModification.”
diff --git a/chunks/txt/fc8c884880daa2e312dad5376812c47f89416eebce90c5f1ac2859ff80e495dc.txt b/chunks/txt/fc8c884880daa2e312dad5376812c47f89416eebce90c5f1ac2859ff80e495dc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..40db8f3200279324095ef0b04f797b5243dd86ae
--- /dev/null
+++ b/chunks/txt/fc8c884880daa2e312dad5376812c47f89416eebce90c5f1ac2859ff80e495dc.txt
@@ -0,0 +1,23 @@
+The Alternate Form (Regulation Z Model Form H-25(J)) provides a safe harbor model Closing Disclosure that can be provided for transactions that do not involve Sellers, including refinance transactions. The form is abbreviated to omit data that only applies to purchase transactions. If the Alternate Form is provided to the borrower, the corresponding CD PDF must be embedded in the UCD XML file.
+
+**13. May the Model Form be used for Refinance Transactions?**
+
+Yes. Although the GSEs prefer that the lender take advantage of the shorter Alternate Form for refinance transactions, the CD Model Form (Regulation Z Model Form H-25(A)) may be used for refinance transactions.
+
+UCD Critical Edits
+
+**14. What is the UCD Critical Edits transition?**
+
+The GSEs are converting certain data edits in their CD collection solutions from “warning” to “critical/fatal”. The multi-year rollout approach, now in its fourth phase, enforces the UCD Spec conditionality details for selected data points. The enforcement of critical/fatal edits is designed to enhance data quality and consistency for the single-family loans purchased by the GSEs.
+
+**15. How do we prepare for the latest UCD Critical Edits?**
+
+The GSEs recommend preparing for the Phase 3B Postponed and Phase 4 UCD Critical Edits by referring to the following resources available on the GSEs’ UCD web pages, FannieMae.com and FreddieMac.com:
+
+- UCD v1.5 Critical Edits Matrix − Contains the edits and associated datapoints for all phases; however, certain edits will require transition to UCD v2.0.
+- UCD v2.0 Critical Edits Matrix – Contains any necessary updates to previously implemented Phase 1-3 critical edits, as well as Phase 3B Postponed and Phase 4 edits.
+- Joint GSE UCD Job Aids
+- Customer test environments − Each GSE has provided opportunities for Sellers and software partners/TSPs to test their UCD XML files and resolve potential critical issues prior to the phased releases. •
+- UCD Test Suite of Sample CDs with narrated use cases, and accompanying UCD XML files (formerly Appendices F and G)
+- UCD v2.0 Initiative Readiness Checklists
+**16. When will the implementation timing for Phase 3B Postponed and Phase 4 critical edits be announced?**
diff --git a/chunks/txt/fc8fb2d931f0bfabf3f148fe687c9d1f6b60b6246df219c2361292c84cf1df1c.txt b/chunks/txt/fc8fb2d931f0bfabf3f148fe687c9d1f6b60b6246df219c2361292c84cf1df1c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..74017187854ff80622724348a345975306157ae5
--- /dev/null
+++ b/chunks/txt/fc8fb2d931f0bfabf3f148fe687c9d1f6b60b6246df219c2361292c84cf1df1c.txt
@@ -0,0 +1,20 @@
+​​​​​​Sandra L. Thompson, Director Federal Housing Finance Agency MBA KEYNOTE REMARKS AS PREPARED FOR DELIVERY Monday, October 24, 2022 11:20 AM CT Thank you for that introduction. It’s good to be back at MBA's annual convention. It’s also a great honor to share the stage with my colleagues Alanna...
+ - Speech
+
+October 21, 2021
+
+## [Prepared Remarks of Sandra L. Thompson, Acting Director of FHFA, at Financial Stability Oversight Council Principals Meeting](/news/speech/prepared-remarks-of-sandra-l.-thompson-acting-director-of-fhfa-at-financial-stability-oversight)
+
+​​​​​Public Remarks as Prepared for Delivery Sandra L. Thompson Acting Director, Federal Housing Finance Agency FINANCIAL STABILITY OVERSIGHT COUNCIL PRINCIPALS MEETING THURSDAY, OCTOBER 21, 2021 Thank you, Madam Chair. I commend the Council for undertaking this important first step toward...
+ - Speech
+
+July 14, 2021
+
+## [Prepared Remarks of Sandra L. Thompson, Acting Director, FHFA, at FHFA Virtual Listening Session: "Enterprise Duty to Serve 2022-2024 Proposed Plans: Manufactured Housing"](/news/speech/prepared-remarks-of-sandra-l.-thompson-acting-director-fhfa-at-fhfa-virtual-listening-session)
+
+​​​​​​Public Remarks as Prepared for Delivery Sandra L. Thompson Acting Director, Federal Housing Finance Agency FHFA Virtual Listening Session: "Enterprise Duty to Serve 2022-2024 Proposed Plans: Manufactured Housing" Wednesday, July 14, 2021 Let me thank all our participants in this week's virtual...
+ - Speech
+
+July 1, 2021
+
+## [Prepared Remarks of Sandra L. Thompson, Acting Director, FHFA, at FHFA Virtual Listening Session: “Closing the Gap to Sustainable Homeownership”](/news/speech/prepared-remarks-of-sandra-l.-thompson-acting-director-fhfa-at-fhfa-virtual-listening-session-0)
diff --git a/chunks/txt/fcd48ee624b71c83223dbca3722039380e5955fd38c6e5f3ede601b6251489d2.txt b/chunks/txt/fcd48ee624b71c83223dbca3722039380e5955fd38c6e5f3ede601b6251489d2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..449e750f6405339f656913e100569ea31524275c
--- /dev/null
+++ b/chunks/txt/fcd48ee624b71c83223dbca3722039380e5955fd38c6e5f3ede601b6251489d2.txt
@@ -0,0 +1,122 @@
+Required for each
+encroachment
+
+4.061
+
+Encroachment
+(Comment)
+
+Required for each
+encroachment if
+Impact is Adverse or
+Beneficial, or as
+needed
+
+Site Characteristics
+
+Definition / Additional Guidance
+
+Encroachment Direction
+•
+•
+
+Bordering Property Encroaching on Subject Property
+Subject Property Encroaching on Bordering Property
+
+When Adverse or Beneficial, describe the impact to value and / or
+marketability. Additional commentary may be provided to include details and
+other information.
+
+The appraiser must report on all site characteristics that impact the value and marketability and report details as
+necessary in this subsection.
+
+There is one Site Characteristic row in the Site Features table for each Site Characteristic. If there are no
+significant site characteristics, this row does not display.
+
+Example of multiple site characteristics:
+
+Appendix F-1: URAR Reference Guide
+
+Page 74 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+04 Site
+
+Site Characteristics
+
+Report
+Field ID
+
+4.062
+4.063
+
+Report Label
+
+When to Include
+
+Site
+Characteristic
+(Detail)
+
+Required for each site
+characteristic
+
+Allowable
+Answers / Format
+
+Choose one or
+more allowable
+answers from
+table (Site
+Characteristic)
+
+4.063
+
+Site
+Characteristic
+(Detail)
+
+Required if Site
+Characteristic is
+Topography
+
+4.063
+
+Site
+Characteristic
+(Detail)
+
+Required if Site
+Characteristic is
+Drainage
+
+4.064
+
+4.065
+
+Site
+Characteristic
+(Impact)
+
+Site
+Characteristic
+(Comment)
+
+Required for each site
+characteristic
+
+Required for each site
+characteristic if Impact
+is Adverse or
+Beneficial, or as
+needed
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
diff --git a/chunks/txt/fce557ec1f65a8f7dedcdc4030c5345c7eedfafb913d33e0e9f1bfa6bcd966bf.txt b/chunks/txt/fce557ec1f65a8f7dedcdc4030c5345c7eedfafb913d33e0e9f1bfa6bcd966bf.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2d557051289ac52a35c53bb22a937ff7c9f9a40f
--- /dev/null
+++ b/chunks/txt/fce557ec1f65a8f7dedcdc4030c5345c7eedfafb913d33e0e9f1bfa6bcd966bf.txt
@@ -0,0 +1 @@
+document.cookie="guest_id_marketing=v1%3A176945514131215508; Max-Age=63072000; Expires=Thu, 27 Jan 2028 17:47:50 GMT; Path=/; Domain=.x.com; Secure; SameSite=None";document.cookie="guest_id_ads=v1%3A176945514131215508; Max-Age=63072000; Expires=Thu, 27 Jan 2028 17:47:50 GMT; Path=/; Domain=.x.com; Secure; SameSite=None";document.cookie="personalization_id=\"v1_yarldTFccQTDBne1RSp1Yg==\"; Max-Age=63072000; Expires=Thu, 27 Jan 2028 17:47:50 GMT; Path=/; Domain=.x.com; Secure; SameSite=None";document.cookie="gt=2016206530220089369; Max-Age=9000; Domain=.x.com; Path=/; Secure"; window.__INITIAL_STATE__={"optimist":[],"entities":{"broadcasts":{"entities":{},"errors":{},"fetchStatus":{}},"cards":{"entities":{},"errors":{},"fetchStatus":{}},"commerceItems":{"entities":{},"errors":{},"fetchStatus":{}},"communities":{"entities":{},"errors":{},"fetchStatus":{}},"conversations":{"entities":{},"errors":{},"fetchStatus":{}},"entries":{"entities":{},"errors":{},"fetchStatus":{}},"grokShare":{"entities":{},"errors":{},"fetchStatus":{}},"lists":{"entities":{},"errors":{},"fetchStatus":{}},"livestreams":{"entities":{},"errors":{},"fetchStatus":{}},"moments":{"entities":{},"errors":{},"fetchStatus":{}},"topics":{"entities":{},"errors":{},"fetchStatus":{}},"tweets":{"entities":{},"errors":{},"fetchStatus":{}},"articleEntities":{"entities":{},"errors":{},"fetchStatus":{}},"trustedFriends":{"entities":{},"errors":{},"fetchStatus":{}},"userPresence":{"entities":{},"errors":{},"fetchStatus":{}},"userCommunityInviteActionResult":{"entities":{},"errors":{},"fetchStatus":{}},"users":{"entities":{},"errors":{},"fetchStatus":{}},"aitrends":{"entities":{},"errors":{},"fetchStatus":{}},"userCommunityRoleRelationship":{"entities":{},"errors":{},"fetchStatus":{}},"publishedArticles":{"entities":{},"errors":{},"fetchStatus":{}}},"featureSwitch":{"defaultConfig":{"2fa_temporary_password_enabled":{"value":false},"account_country_setting_countries_whitelist":{"value":["ad","ae","af","ag","ai","al","am","ao","ar","as","at","au","aw","ax","az","ba","bb","bd","be","bf","bg","bh","bi","bj","bl","bm","bn","bo","bq","br","bs","bt","bv","bw","by","bz","ca","cc","cd","cf","cg","ch","ci","ck","cl","cm","co","cr","cu","cv","cw","cx","cy","cz","de","dj","dk","dm","do","dz","ec","ee","eg","er","es","et","fi","fj","fk","fm","fo","fr","ga","gb","gd","ge","gf","gg","gh","gi","gl","gm","gn","gp","gq","gr","gs","gt","gu","gw","gy","hk","hn","hr","ht","hu","id","ie","il","im","in","io","iq","ir","is","it","je","jm","jo","jp","ke","kg","kh","ki","km","kn","kr","kw","ky","kz","la","lb","lc","li","lk","lr","ls","lt","lu","lv","ly","ma","mc","md","me","mf","mg","mh","mk","ml","mn","mo","mp","mq","mr","ms","mt","mu","mv","mw","mx","my","mz","na","nc","ne","nf","ng","ni","nl","no","np","nr","nu","nz","om","pa","pe","pf","pg","ph","pk","pl","pm","pn","pr","ps","pt","pw","py","qa","re","ro","rs","ru","rw","sa","sb","sc","se","sg","sh","si","sk","sl","sm","sn","so","sr","st","sv","sx","sz","tc","td","tf","tg","th","tj","tk","tl","tm","tn","to","tr","tt","tv","tw","tz","ua","ug","us","uy","uz","va","vc","ve","vi","vn","vu","wf","ws","xk","ye","yt","za","zm","zw"]},"active_ad_campaigns_query_enabled":{"value":false},"ads_spacing_client_fallback_minimum_spacing":{"value":3},"ads_spacing_client_fallback_minimum_spacing_verified_blue":{"value":3},"arkose_challenge_lo_web_notification_dev":{"value":"BF5FA6C8-9668-4AF9-AFA2-E362F56E5B71"},"arkose_challenge_lo_web_notification_mobile_prod":{"value":"6A2FD110-7C1A-47CD-82EE-D01FFB4810D7"},"arkose_challenge_lo_web_notification_prod":{"value":"50706BFE-942C-4EEC-B9AD-03F7CD268FB1"},"arkose_challenge_login_web_devel":{"value":"DF58DD3B-DFCC-4502-91FA-EDC0DC385CFF"},"arkose_challenge_login_web_prod":{"value":"2F4F0B28-BC94-4271-8AD7-A51662E3C91C"},"arkose_challenge_onboard_prod":{"value":"4CB8C8B0-40FF-439C-9D0D-9A389ADA18CB"},"arkose_challenge_open_app_dev":{"value":"560C66A3-C8EB-4D11-BE53-A8232734AA62"},"arkose_challenge_open_app_prod":{"value":"6E
diff --git a/chunks/txt/fcf674c03ed2213aca85ba7b37a3f093d40c9a6c6fd6776bfb8b088769477ffd.txt b/chunks/txt/fcf674c03ed2213aca85ba7b37a3f093d40c9a6c6fd6776bfb8b088769477ffd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9a03c47dd354eaaf457ca73655539f8e5798ede3
--- /dev/null
+++ b/chunks/txt/fcf674c03ed2213aca85ba7b37a3f093d40c9a6c6fd6776bfb8b088769477ffd.txt
@@ -0,0 +1,269 @@
+false
+
+false
+
+TraditionalAppraisal
+
+false
+
+MineralRights
+
+None
+
+0
+
+0
+
+0
+
+875
+
+875
+
+0
+
+1800
+
+1800
+
+false
+
+true
+
+false
+
+false
+
+160000
+
+2019-08-25
+
+true
+
+true
+
+Other
+
+Private Sale
+
+USGSLavaFlowZone
+
+Zone2
+
+true
+
+true
+
+true
+
+true
+
+true
+
+Asphalt
+
+Collector
+
+Subject fronts onto a collector street.
+
+true
+
+PublicStreet
+
+true
+
+false
+
+false
+
+None
+
+Site fronts to a collector street through the community, which has higher density traffic impacting subject's marketability.
+
+Bordering
+
+BusyRoadway
+
+Adverse
+
+11997
+
+1
+
+Public
+
+Electricity
+
+Cesspools are typical in this jurisdiction.
+
+NonPublic
+
+SanitarySewer
+
+Neutral
+
+Cesspool
+
+false
+
+Public
+
+Water
+
+Neutral
+
+true
+
+Full
+
+Residential
+
+Agricultural/Residential, 1.00 Acre Minimum
+
+A-1A
+
+According to Hawaii Planning and Zoning Office, the subject can be rebuilt if destroyed. Nonconforming to zoning due to smaller lot size than currently allowed.
+
+LegalNonConforming
+
+13-222 N Trail Loop
+
+Surfside
+
+12345
+
+HI
+
+Driveway
+
+Gravel
+
+6
+
+false
+
+0
+
+FinancingMethod
+
+0
+
+ContractDate
+
+0
+
+SaleDate
+
+0
+
+SiteSize
+
+0
+
+NeighborhoodName
+
+-2000
+
+SiteCharacteristic
+
+-25000
+
+SiteInfluence
+
+-5000
+
+YearBuilt
+
+0
+
+GrossBuildingFinishedArea
+
+-5000
+
+LivingUnitBathroomCount
+
+Unit 2
+
+-37200
+
+LivingUnitStandardFinishedAreaAboveGrade
+
+Unit 2
+
+-10000
+
+OverallQualityRating
+
+-3000
+
+OutdoorLivingAmenity
+
+0
+
+WaterFeaturesAmenity
+
+3000
+
+VehicleStorage
+
+194800
+
+47450
+
+94900
+
+South
+
+Less
+
+false
+
+VA
+
+false
+
+100
+
+1
+
+1.1
+
+-84200
+
+ImpactResistantGlass
+
+Dwelling
+
+2005
+
+false
+
+Standard
+
+WallsAndCeiling
+
+Flooring
+
+FullyUpdated
+
+864
+
+0
+
+false
+
+2
+
+1
+
+0
+
+C4
+
+Q5
+
+Basic
+
+ModeratelyUpdated
+
+Unit 1
diff --git a/chunks/txt/fd1eeb50d3fa80267399ec39e5b0900535f426dd08cca2d1a0114ad091e4daef.txt b/chunks/txt/fd1eeb50d3fa80267399ec39e5b0900535f426dd08cca2d1a0114ad091e4daef.txt
new file mode 100644
index 0000000000000000000000000000000000000000..81e736e41bf80c10c00ecfa701270f54c2bd9a9e
--- /dev/null
+++ b/chunks/txt/fd1eeb50d3fa80267399ec39e5b0900535f426dd08cca2d1a0114ad091e4daef.txt
@@ -0,0 +1,76 @@
+▪ To align with data delivered to ULDD, data point
+
+▪ Critical/Fatal edits that validate data point
+
+enumerations that supported products not
+purchased or used by the GSEs were removed.
+
+▪ Data points and attributes that were already
+
+optional in UCD v1.5, and supported products
+either not purchased by the GSEs or provided
+information not used by the GSEs, have been
+deleted. This was done to clean up and
+streamline UCD XML file requirements
+documented in the UCD v2.0.
+
+enumerations will be updated to fire when deleted
+enumerations are provided. UCD XML files must no
+longer include these expired values for the applicable
+data points.
+
+▪ While UCD XML files should omit removed UCD v1.5
+data points and attributes; if the data is included it will
+be ignored.
+
+▪ UCD v2.0 Tab 4b-
+Revision Log v1.5-
+v2.0 shows all
+deleted
+CONTAINERS,
+data points and
+attributes.
+
+▪ UCD v2.0 Tab 8 -
+Enumerations
+contains a
+complete log of all
+enumerations that
+have been deleted.
+
+© 2025 Fannie Mae and Freddie Mac. Trademarks are the property of their respective owners.
+
+December 2025
+
+6
+
+This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by
+Fannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.
+
+Change
+
+Description
+
+Potential Impact
+
+Remove
+unnecessary
+complexity for
+linking companies
+and contacts
+together
+
+▪ For all instances of PARTY, “hard-
+
+▪ Applications that use the PARTY
+
+coded” SequenceNumbers, xlink:labels,
+and RELATIONSHIP containers holding
+Arcroles have been removed from the
+UCD v2.0.
+
+▪ The company (LEGAL_ENTITY) and
+
+contact person (INDIVIDUAL) from the
+same organization will be linked using
+PartyRoleType.
diff --git a/chunks/txt/fd260d66287132ee8d9a91987217fe9f09745813a74aca9915275b5f963f94e8.txt b/chunks/txt/fd260d66287132ee8d9a91987217fe9f09745813a74aca9915275b5f963f94e8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9788e86636e4ef201f4cb5b809a1c37a1fe63050
--- /dev/null
+++ b/chunks/txt/fd260d66287132ee8d9a91987217fe9f09745813a74aca9915275b5f963f94e8.txt
@@ -0,0 +1,39 @@
+[Mortgage Translations](/mortgage-translations)
+
+- [About Mortgage Translations](/mortgage-translations)
+ - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)
+ - [COVID-19 Resources](/mortgage-translations/covid-19-resources)
+ - [Interpretive Services](/mortgage-translations/interpretive-services)
+ - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)
+ - [Search Documents](/mortgage-translations/search)
+ - News Public Affairs
+
+- [News Releases](/news/news-release)
+ - [Statements](/news/statement)
+ - [Speeches](/news/speech)
+ - [Testimonies](/news/testimony)
+ - [Public Input](/public-input)
+ - [Blogs](/blog)
+ - [Fact Sheets](/news/fact-sheet)
+ - [FAQs](/faqs)
+ - [Partner Agency Engagements](/news/partner-agency-engagements)
+ - [Public Engagements](/news/public-engagements)
+ - [Videos](/media)
+
+Social Media
+
+- [Facebook](https://www.facebook.com/FHFA)
+ - [LinkedIn](https://www.linkedin.com/company/354523)
+ - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [X (formerly Twitter)](https://twitter.com/FHFA)
+ .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu
+
+# FHFA Policies
+
+## Breadcrumb
+
+- [Home](/)
+ - [​FHFA AT-A-GLANCE](/about)
+ - FHFA Policies
+
+Policy Description [Accessibility](/about/fhfa-policies/accessibility) ​The majority of pages on this website are accessible to individuals with disabilities in accordance with Section 508 of the Rehabilitation Act. [Digital Strategy](/about/fhfa-policies/digital-strategy) The Federal government ​launched a comprehensive Digital Government Strategy to encourage agencies to identify ways to use innovative technologies to... [Equal Employment Opportunity / No FEAR Act](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) FHFA prohibits discrimination in all aspects of its personnel policies, program practices and operations. [Ex Parte Communications in Connection with FHFA Rulemakings](/about/fhfa-policies/ex-parte-communications-connection-fhfa-rulemakings) Communications in Connection with FHFA Rulemakings FHFA prohibits discrimination in all aspects of its personnel policies, program practices... [​Inventory, Priorities, & Schedule](/about/fhfa-policies/inventory-priorities-schedule) FHFA is required under OMB Circular A-130 and the Paperwork Reduction Act to disseminate information to the public in a timely, equitable, efficient... [​Open Government](/about/fhfa-policies/open-government) FHFA complies with all instructions in President’s Open Government memorandum in January 2009 to ensure the public has access to important information about... [​Plain Writing](/about/fhfa-policies/plain-writing) [​](/vulnerability-disclosure-policy)FHFA is committed to writing new documents in plain language using the Federal Plain Language Guidelines requiring federal agencies to write "clear... [​Prohibited Personnel Practices](/about/fhfa-policies/prohibited-personnel-practices) ​FHFA is required to provide these informational materials by the Office of Special Counsel to notify employees of Prohibited Personnel Practices ​(PPP), which... [​Reasonable Accommodation](/about/careers/reasonable-accommodation) FHFA provides reasonable accommodations to qualified employees and job applicants with disabilities where appropriate. Employees and job... [Records & Information Management](/about/fhfa-policies/records-and-information-management) FHFA believes in public trust through records integrity, and takes steps to adequately and properly document the organization, functions, policies... [Terms of Use](/about/fhfa-policies/website-privacy-policy)
diff --git a/chunks/txt/fd36723cb6cac9423b690a1305e36f59952d725127e282293aa65329928514d7.txt b/chunks/txt/fd36723cb6cac9423b690a1305e36f59952d725127e282293aa65329928514d7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9b4fdafa1f233556a976d47d04d6af2340b6a8f0
--- /dev/null
+++ b/chunks/txt/fd36723cb6cac9423b690a1305e36f59952d725127e282293aa65329928514d7.txt
@@ -0,0 +1,53 @@
+B4-1.2-01, Appraisal Report Forms and Exhibits
+(12/10/2025)
+
+SB4-1.2-01, Appraisal Reports and Exhibits
+(12/10/2025)
+
+B4-1.2-02, Desktop Appraisals (12/10/2025)
+
+SB4-1.2-02, Desktop Appraisals (12/10/2025)
+
+B4-1.2-03, Hybrid Appraisals (12/10/2025)
+
+SB4-1.2-03, Hybrid Appraisals (12/10/2025)
+
+B4-1.2-04, Appraisal Age and Use Requirements
+(06/04/2025)
+
+SB4-1.2-04, Age of Appraisal and Restricted
+Appraisal Update Report Requirements (06/04/2025)
+
+B4-1.2-05, Requirements for Verifying Completion
+and Postponed Improvements (12/10/2025)
+
+SB4-1.2-05, Requirements for Verifying Completion and
+Postponed Improvements (12/10/2025)
+
+B4-1.3-01, Review of the Appraisal Report
+(06/04/2025)
+
+SB4-1.3-01, Review of the Uniform Residential
+Appraisal Report (06/04/2025)
+
+B4-1.3-02, Subject and Contract Sections of the
+Appraisal Report (06/04/2025)
+
+SB4-1.3-02, Subject Listing Information, Sales
+Contract, Prior Sale, and Transfer History
+(06/04/2025)
+
+B4-1.3-03, Neighborhood Section of the Appraisal
+Report (06/04/2025)
+
+SB4-1.3-03, Market Section of the Uniform
+Residential Appraisal Report (06/04/2025)
+
+B4-1.3-04, Site Section of the Appraisal Report
+(06/04/2025)
+
+SB4-1.3-04, Property Site, Disaster Mitigation, and
+Highest and Best Use (06/04/2025)
+
+B4-1.3-05, Improvements Section of the Appraisal
+Report (06/04/2025)
diff --git a/chunks/txt/fd3e039ba484322b6f7261c5cea7d2cf41a920655e677854c90b19208fb003be.txt b/chunks/txt/fd3e039ba484322b6f7261c5cea7d2cf41a920655e677854c90b19208fb003be.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6b050c18deb218ff3d551003c48a4b3154b6828e
--- /dev/null
+++ b/chunks/txt/fd3e039ba484322b6f7261c5cea7d2cf41a920655e677854c90b19208fb003be.txt
@@ -0,0 +1,133 @@
+Categories C5
+and C6 are
+recoded.
+
+Sales Comparison
+Approach
+
+For rating definitions,
+see Fannie Mae
+Selling Guide, Section
+B4-1.3-06, Property
+Condition and
+Quality of
+Construction of the
+Improvements
+(03/01/2023) and
+Freddie Mac Single-
+Family Seller Servicer
+Guide, 5605.5,
+Improvement
+Analysis (4/6/2023).
+
+For rating definitions,
+see Fannie Mae
+Selling Guide, Section
+B4-1.3-06, Property
+Condition and
+Quality of
+Construction of the
+Improvements
+(03/01/2023) and
+Freddie Mac Single-
+Family Seller Servicer
+Guide, 5605.5,
+Improvement
+Analysis (4/6/2023).
+
+Federal Housing Finance Agency
+
+8
+
+UAD PUF Version 2.1 Data Dictionary
+
+Field Name
+
+Short Description
+
+Definition
+
+Format
+
+bathrooms
+
+Number of Bathrooms
+
+Character
+
+Appraiser-reported total
+number of above-grade and
+below-grade full and half
+bathrooms in the subject
+property.
+
+Disclosure
+Avoidance
+Method
+Top-coded at 4
+bathrooms.
+
+Allowable
+Values
+
+'1' = 1 Bathrooms
+'2' = 2 Bathrooms
+'3' = 3 Bathrooms
+'4' = 4+
+Bathrooms
+'9' = Missing
+
+Appraisal Form
+Section
+
+Notes
+
+Sales Comparison
+Approach
+
+Full and half
+bathrooms are
+treated equally in
+this tally. For
+example, if a housing
+unit has one full and
+two half bathrooms,
+the total tally is
+three.
+
+bedrooms
+
+Number of Bedrooms
+
+Appraiser-reported total
+number of above-grade and
+below-grade bedrooms in the
+subject property.
+
+Character
+
+'1' = 0 to 2
+Bedrooms
+'2' = 3 Bedrooms
+'3' = 4+ Bedrooms
+'9' = Missing
+
+Binned at the low
+end and top-
+coded at 4
+bedrooms.
+
+Sales Comparison
+Approach
+
+gross_living_area
+
+Gross Living Area
+
+Character
+
+Appraiser-reported total area
+of all above-grade and below-
+grade inhabitable rooms in the
+subject property, reported in
+square feet.
diff --git a/chunks/txt/fd45311a332a1981cafb271f7a16c92524ef0fe9864d439ca9b18b4a36a7b899.txt b/chunks/txt/fd45311a332a1981cafb271f7a16c92524ef0fe9864d439ca9b18b4a36a7b899.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7ecf3fa00a4cfd1505efd0d9010d9ee5e4c7e422
--- /dev/null
+++ b/chunks/txt/fd45311a332a1981cafb271f7a16c92524ef0fe9864d439ca9b18b4a36a7b899.txt
@@ -0,0 +1,20 @@
+enterprise: 1 | record_num_mf_nf: 10000001 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 3 | same_year_acq: 1 | purpose_mf_nf: 1 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 4
+enterprise: 1 | record_num_mf_nf: 10000002 | tract_minority_cat: 2 | tract_income_cat: 3 | afford_mf: 4 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 2
+enterprise: 1 | record_num_mf_nf: 10000003 | tract_minority_cat: 2 | tract_income_cat: 2 | afford_mf: 4 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 5
+enterprise: 1 | record_num_mf_nf: 10000004 | tract_minority_cat: 2 | tract_income_cat: 2 | afford_mf: 3 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 4
+enterprise: 1 | record_num_mf_nf: 10000005 | tract_minority_cat: 2 | tract_income_cat: 3 | afford_mf: 2 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 4
+enterprise: 1 | record_num_mf_nf: 10000006 | tract_minority_cat: 2 | tract_income_cat: 2 | afford_mf: 3 | same_year_acq: 2 | purpose_mf_nf: 1 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 5
+enterprise: 1 | record_num_mf_nf: 10000007 | tract_minority_cat: 3 | tract_income_cat: 3 | afford_mf: 4 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 5
+enterprise: 1 | record_num_mf_nf: 10000008 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 4 | same_year_acq: 2 | purpose_mf_nf: 1 | seller_type_mf_nf: 4 | fed_guarantee_mf_nf: 2 | units_num_cat: 5
+enterprise: 1 | record_num_mf_nf: 10000009 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 3 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 5
+enterprise: 1 | record_num_mf_nf: 10000010 | tract_minority_cat: 2 | tract_income_cat: 2 | afford_mf: 4 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 2
+enterprise: 1 | record_num_mf_nf: 10000011 | tract_minority_cat: 3 | tract_income_cat: 3 | afford_mf: 4 | same_year_acq: 2 | purpose_mf_nf: 1 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 5
+enterprise: 1 | record_num_mf_nf: 10000012 | tract_minority_cat: 2 | tract_income_cat: 2 | afford_mf: 4 | same_year_acq: 1 | purpose_mf_nf: 1 | seller_type_mf_nf: 4 | fed_guarantee_mf_nf: 2 | units_num_cat: 5
+enterprise: 1 | record_num_mf_nf: 10000013 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 3 | same_year_acq: 2 | purpose_mf_nf: 1 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 5
+enterprise: 1 | record_num_mf_nf: 10000014 | tract_minority_cat: 3 | tract_income_cat: 2 | afford_mf: 4 | same_year_acq: 2 | purpose_mf_nf: 1 | seller_type_mf_nf: 4 | fed_guarantee_mf_nf: 2 | units_num_cat: 5
+enterprise: 1 | record_num_mf_nf: 10000015 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 3 | same_year_acq: 2 | purpose_mf_nf: 1 | seller_type_mf_nf: 4 | fed_guarantee_mf_nf: 2 | units_num_cat: 3
+enterprise: 1 | record_num_mf_nf: 10000016 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 3 | same_year_acq: 2 | purpose_mf_nf: 1 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 2
+enterprise: 1 | record_num_mf_nf: 10000017 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 4 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 4 | fed_guarantee_mf_nf: 2 | units_num_cat: 5
+enterprise: 1 | record_num_mf_nf: 10000018 | tract_minority_cat: 3 | tract_income_cat: 2 | afford_mf: 4 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 4
+enterprise: 1 | record_num_mf_nf: 10000019 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 3 | same_year_acq: 2 | purpose_mf_nf: 1 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 4
+enterprise: 1 | record_num_mf
diff --git a/chunks/txt/fd463431f630f87f47ff02008834d3ad9ab1eca471ef929dcb04552171c1ae7a.txt b/chunks/txt/fd463431f630f87f47ff02008834d3ad9ab1eca471ef929dcb04552171c1ae7a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..782cac33702afce0b309dc53a3530d56a00b9333
--- /dev/null
+++ b/chunks/txt/fd463431f630f87f47ff02008834d3ad9ab1eca471ef929dcb04552171c1ae7a.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/news/news-release/fhfa-releases-data-visualization-dashboard-for-enterprises-multifamily-mortgage-acquisitions"
+date_accessed: "2026-01-27T17:54:20.722Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/fd4b3086b3de677e29c27f7904ae23693cde904998d3ad5d8848984269588c48.txt b/chunks/txt/fd4b3086b3de677e29c27f7904ae23693cde904998d3ad5d8848984269588c48.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f5a667228d790f0db360f2013b4e8827860b6535
--- /dev/null
+++ b/chunks/txt/fd4b3086b3de677e29c27f7904ae23693cde904998d3ad5d8848984269588c48.txt
@@ -0,0 +1,76 @@
+Project Common
+Elements Completed
+Indicator
+
+Indicates that the common elements
+and recreation facilities in the project
+are complete.
+
+/VALUATION_RESPONSE/PROPERTY/PRO
+JECT[@_CommonElementsCompletedIndicator
+='Y']
+
+1
+
+Boolean
+
+This field should be populated if field 3-42
+(Project Developer Controls Project
+Management Indicator = 'Y') and one of fields
+1-132, 1-133 (Attachment Type = 'Attached'
+or 'SemiDetached') are indicated.
+This field should be populated if field 3-42
+(Project Developer Controls Project
+Management Indicator = 'Y') and one of fields
+1-132, 1-133 (Attachment Type = 'Attached'
+or 'SemiDetached') are indicated.
+This field should be populated if field 3-42
+(Project Developer Controls Project
+Management Indicator = 'Y') and one of fields
+1-132, 1-133 (Attachment Type = 'Attached'
+or 'SemiDetached') are indicated.
+If field 3-42 (Project Developer Controls
+Project Management Indicator = 'Y') and one
+of fields 1-132, 1-133 (Attachment Type =
+'Attached' or 'SemiDetached') are indicated
+then one and only one of fields 3-53, 3-54
+(values of Project Conversion Indicator)
+should be indicated.
+If field 3-42 (Project Developer Controls
+Project Management Indicator = 'Y') and one
+of fields 1-132, 1-133 (Attachment Type =
+'Attached' or 'SemiDetached') are indicated
+then one and only one of fields 3-53, 3-54
+(values of Project Conversion Indicator)
+should be indicated.
+
+This field should be populated if field 3-53
+(Project Conversion Indicator = 'Y') is
+indicated.
+
+If field 3-42 (Project Developer Controls
+Project Management Indicator = 'Y') and one
+of fields 1-132, 1-133 (Attachment Type =
+'Attached' or 'SemiDetached') are indicated
+then one and only one of fields 3-56, 3-57
+(values of Project Contains Multiple Dwelling
+Units Indicator) should be indicated.
+If field 3-42 (Project Developer Controls
+Project Management Indicator = 'Y') and one
+of fields 1-132, 1-133 (Attachment Type =
+'Attached' or 'SemiDetached') are indicated
+then one and only one of fields 3-56, 3-57
+(values of Project Contains Multiple Dwelling
+Units Indicator) should be indicated.
+This field should be populated if field 3-42
+(Project Developer Controls Project
+Management Indicator = 'Y') and one of fields
+1-132, 1-133 (Attachment Type = 'Attached'
+or 'SemiDetached') are indicated.
+If both field 3-42 (Project Developer Controls
+Project Management Indicator = 'Y') and one
+of fields 1-132, 1-133 (Attachment Type =
+'Attached' or 'SemiDetached') are indicated
+then one and only one of fields 3-59, 3-60
+(values of Project Common Elements
+Completed Indicator) should be indicated.
diff --git a/chunks/txt/fd66e817a078736dc20b2071f916b57352831f7baea2959e593e72bd2b9d7eb7.txt b/chunks/txt/fd66e817a078736dc20b2071f916b57352831f7baea2959e593e72bd2b9d7eb7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..860c0bd2269f591d30eb1b5e63108a5aa96766bf
--- /dev/null
+++ b/chunks/txt/fd66e817a078736dc20b2071f916b57352831f7baea2959e593e72bd2b9d7eb7.txt
@@ -0,0 +1,35 @@
+Figure 21 - 2
+
+Comparable Transfer History
+
+The Comparable Transfer History subsection always displays.
+
+The Comparable Transfer History table displays sales that occurred within one year prior to the sale or listing reported in Sales Comparison
+Approach. Do not repeat the same information reported in the Sales Comparison Approach section.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+➢ When there are no prior sales or transfers for a comparable, PriorSalesOrTransfersIndicator (UID: 1800.0198, FID: Not on report) = “false”,
+
+a subset of data is required. (Figure 21 - 3)
+
+Page 271
+
+• # – PropertyOrdinalNumber (UID: 1800.0192, FID: 21.007)
+• Transfer Terms – The text “None” displays.
+• Data Source – DataSourceType (UID: 0700.0125, FID: 21.005) Display one or more data sources.
+
+o When there are multiple data sources display them stacked.
+
+➢ When PriorSalesOrTransfersIndicator (UID: 1800.0198, FID: Not on report) = “true”, additional information is required.
+
+• # – Display the PropertyOrdinalNumber (UID: 1800.0192, FID: 21.007), this number (commonly referred to as the “Comp number”)
+is the numerical order for the table. There is a single PropertyOrdinalNumber for a given property, the same number displays here
+and in the Sales Comparison Approach (ValuationUseType = “SalesComparable”).
+
+• Transfer Terms – When PriorSalesOrTransfersIndicator (UID: 1800.0198, FID: Not on report) = “true” AND
+
+OwnershipTransferTransactionType (UID: 1800.0209, FID: 21.008)
+
+o = “DeedTransferOnly”, display “Deed Transfer Only”
+o = “Sale”, do not display OwnershipTransferTransactionType, display SaleType (UID: 1800.0210, FID: 21.008) (e.g., Typically
diff --git a/chunks/txt/fd78b6e6b6443f8e5a73f690399e5cccb01010b82d2e25603aacddb4e2504118.txt b/chunks/txt/fd78b6e6b6443f8e5a73f690399e5cccb01010b82d2e25603aacddb4e2504118.txt
new file mode 100644
index 0000000000000000000000000000000000000000..86cf3c22d4ceb1433eca94cb30bbaa815dd7050e
--- /dev/null
+++ b/chunks/txt/fd78b6e6b6443f8e5a73f690399e5cccb01010b82d2e25603aacddb4e2504118.txt
@@ -0,0 +1,103 @@
+Program type not
+identified on report; go
+to LSDU Delinquency
+Modification Data tab to
+view Mod Program Type
+
+Delinquency
+Modification and
+Payment Deferral
+Failed Business
+Rules
+
+Delinquency
+Modification
+Failed Business
+Rules
+
+This report is used to identify
+corrections needed for
+delinquency modifications and
+payment deferrals not updated by
+Fannie Mae's Servicing and
+Investor Reporting (SIR) system
+due to failed business rules.
+
+Program type not
+identified on
+report; go to LSDU
+Delinquency
+Modification Data
+tab to view Mod
+Program Type
+
+Program type not
+identified on report; go
+to LSDU Delinquency
+Modification Data tab to
+view Mod Program Type
+
+S/S Delinquency
+Modification and
+
+Delinquency
+Modification SS
+
+This report notifies servicers of
+reimbursed delinquent P&I
+
+Program type not
+identified on
+
+Program type not
+identified on report; go
+
+© 2020 Fannie Mae 7.1.20 Page 2 of 3
+
+New Report Name
+
+Payment Deferral
+P&I Advance
+Reimbursement
+Report
+
+Former Report
+Name
+
+Cash P and I
+Reimbursement
+Report
+
+Usage
+
+Payment Deferral
+Identification
+
+COVID-19 Payment
+Deferral Identification
+
+advances for delinquency
+modifications and payment
+deferrals, as well as, funds that
+will be drafted from the servicer' s
+account when a transaction is
+cancelled.
+
+report; go to LSDU
+Delinquency
+Modification Data
+tab to view Mod
+Program Type
+
+to LSDU Delinquency
+Modification Data tab to
+view Mod Program Type
+
+More Information
+
+For more information about this release, please email Future of Servicing or contact Master Servicing at 1-800-2- FANNIE
+(Option 1, Option 6).
+
+Other helpful resources:
+
+Servicing Learning Center
diff --git a/chunks/txt/fd78caaf4fafae201ac16a1bc003205cead7c7d749c82f4b891f1bf05787cd36.txt b/chunks/txt/fd78caaf4fafae201ac16a1bc003205cead7c7d749c82f4b891f1bf05787cd36.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c1a12f84dd97062c0f15ef63f9d8892776edd810
--- /dev/null
+++ b/chunks/txt/fd78caaf4fafae201ac16a1bc003205cead7c7d749c82f4b891f1bf05787cd36.txt
@@ -0,0 +1,32 @@
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 61
+
+IMPROVEMENT_COST_AND_DEPRECIATED_VALUE Element
+
+Depreciated Cost of each structure included in the cost approach must be provided in a separate instance of the
+IMPROVEMENT_COST_AND_DEPRECIATED_VALUE container. For example, when a dwelling and 2 outbuildings are included in the cost
+approach, three instances of the IMPROVEMENT_COST_AND_DEPRECIATED_VALUE container must be delivered in the XML.
+
+• Each IMPROVEMENT_COST_AND_DEPRECIATED_VALUE container must be linked to the subject instance of the IMPROVEMENT
+
+container to which the replacement/reproduction costs apply. For example,
+
+o The instance of the IMPROVEMENT_COST_AND_DEPRECIATED_VALUE container that is capturing Depreciated Cost of the
+Barn must be linked to the subject instance of the IMPROVEMENT container where ImprovementType = “Outbuilding” and
+OutbuildingType = “Barn”.
+
+o The instance of the IMPROVEMENT_COST_AND_DEPRECIATED_VALUE container that is capturing Depreciated Cost of the
+dwelling must be linked to the subject instance of the IMPROVEMENT container where ImprovementType = “Dwelling”.
+When there is more than one dwelling, the arcrole must be made to the appropriate instance of the IMPROVEMENT
+container (based on the ImprovementType = “Dwelling” and StructureIdentifier).
+
+•
+
+In each instance of the IMPROVEMENT_COST_AND_DEPRECIATED_VALUE container,
+
+o
+o
+
+Information about the costs to replace/reproduce the structure must be delivered in the IMPROVEMENT_COST container.
+Information about depreciation of the structure must be delivered in the IMPROVEMENT_DEPRECIATION container.
diff --git a/chunks/txt/fd7a5f4a9821daa8eb75e64814c8f6cef51bc88391e53bb2a5a191b0002853d0.txt b/chunks/txt/fd7a5f4a9821daa8eb75e64814c8f6cef51bc88391e53bb2a5a191b0002853d0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..58f66832a6d7a5acaa6af00be2c7db8642ad445f
--- /dev/null
+++ b/chunks/txt/fd7a5f4a9821daa8eb75e64814c8f6cef51bc88391e53bb2a5a191b0002853d0.txt
@@ -0,0 +1,51 @@
+refinishing
+
+Damaged and Nonfunctional The walls or ceilings are damaged and exhibit significant wear and tear to the level that it can no longer function as
+
+intended or designed.
+Note: If this answer is selected, individual damages and structural issues must be reported in the Apparent Defects,
+Damages, and Deficiencies (Unit Interior) subsection.
+Examples:
+•
+•
+
+A load-bearing wall that no longer provides adequate support
+Sections of walls or ceilings that are damaged or missing to the extent that the overall livability of the unit is
+impacted (e.g., exposed wiring, pipes, or duct work)
+
+• Wall or ceiling covering materials that are stained or discolored that need replacement, and cannot be repaired by
+
+paint or refinishing
+
+Appendix F-1: URAR Reference Guide
+
+Page 141 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+10 Unit Interior
+
+Allowable Answer
+
+Definition / Additional Guidance
+
+No Finish
+
+The walls or ceilings are missing final finish.
+
+Walls and Ceiling Condition Status (Choose one)
+
+Other Interior Features
+
+Row(s) can be added to the Interior Features table for other feature(s) that are significant to the Interior Quality
+and Condition Ratings. A row displays in the Interior Features table for each additional interior feature that is
+provided.
+
+OTHER INTERIOR FEATURE EXAMPLE IN UNIT INTERIOR AND SALES COMPARISON APPROACH
+
+In this example, “Light Fixtures” was added as an additional interior feature in the Interior Features table.
+
+The additional interior feature (Light Fixtures) was also brought into the Sales Comparison Approach (22.09.08,
+22.09.15) to support the Quality and Condition Ratings. (Reference 22.10.07, 22.10.14 for ADUs).
diff --git a/chunks/txt/fd7f650c6ee7845147920cea63668bfd6e2ec72a8fc8e96b114da58fee64b587.txt b/chunks/txt/fd7f650c6ee7845147920cea63668bfd6e2ec72a8fc8e96b114da58fee64b587.txt
new file mode 100644
index 0000000000000000000000000000000000000000..18164c528a83fb22b30dca5825e7c7d696ab4adb
--- /dev/null
+++ b/chunks/txt/fd7f650c6ee7845147920cea63668bfd6e2ec72a8fc8e96b114da58fee64b587.txt
@@ -0,0 +1,168 @@
+01=11th District cost of funds; 02=Other cost of funds;
+03=LIBOR; 04=1 year constant Treasury Rate; 99=Not
+an ARM
+Margin added to the index used for the calculation of
+the interest on an ARM. 9999=Not Applicable
+Date when prepayment penalty ends; report 9999-12-
+31 if not applicable
+
+45
+
+Borrower1EthnicityType
+
+BoEth
+
+Borrower1 Ethnicity Type
+
+46
+
+Borrower1Race2Type
+
+Race2
+
+Borrower1 Race2 Type
+
+47
+
+Borrower1Race3Type
+
+Race3
+
+Borrower1 Race3 Type
+
+48
+
+Borrower1Race4Type
+
+Race4
+
+Borrower1 Race4 Type
+
+49
+
+Borrower1Race5Type
+
+Race5
+
+Borrower1 Race5 Type
+
+50
+
+Borrower2EthnicityType
+
+CoEth
+
+Borrower2 Ethnicity Type
+
+51
+
+Borrower2Race2Type
+
+CoRace2
+
+Borrower2 Race2 Type
+
+52
+
+Borrower2Race3Type
+
+CoRace3
+
+Borrower2 Race3 Type
+
+53
+
+Borrower2Race4Type
+
+CoRace4
+
+Borrower2 Race4 Type
+
+54
+
+Borrower2Race5Type
+
+CoRace5
+
+Borrower2 Race5 Type
+
+55 HOEPALoanStatusType
+
+HOEPA
+
+HOEPA Loan Status Type
+
+56
+
+LienPriorityType
+
+LienStatus
+
+Lien Priority Type
+
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+
+AcqTyp
+Aff1
+Aff2
+Aff3
+Aff4
+Bed1
+Bed2
+Bed3
+Bed4
+CICA
+
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+
+1=Hispanic or Latino; 2=Not Hispanic or Latino;
+3=Information not provided; 4=Not applicable (First or
+primary borrower is an institution, corporation or
+partnership)
+1=American Indian or Alaska Native; 2=Asian; 3=Black
+or African American; 4=Native Hawaiian or other
+Pacific Islander; 5=White; 6=Information not provided;
+7=Not Applicable (borrower is an institution,
+corporation or partnership)
+1=American Indian or Alaska Native; 2=Asian; 3=Black
+or African American; 4=Native Hawaiian or other
+Pacific Islander; 5=White; 6=Information not provided;
+7=Not Applicable (borrower is an institution,
+corporation or partnership)
+1=American Indian or Alaska Native; 2=Asian; 3=Black
+or African American; 4=Native Hawaiian or other
+Pacific Islander; 5=White; 6=Information not provided;
+7=Not Applicable (borrower is an institution,
+corporation or partnership)
+1=American Indian or Alaska Native; 2=Asian; 3=Black
+or African American; 4=Native Hawaiian or other
+Pacific Islander; 5=White; 6=Information not provided;
+7=Not Applicable (borrower is an institution,
+corporation or partnership)
+1=Hispanic or Latino; 2=Not Hispanic or Latino;
+3=Information not provided; 4=Not applicable (First or
+primary borrower is an institution, corporation or
+partnership); 5=No Co-Borrower
+1=American Indian or Alaska Native; 2=Asian; 3=Black
+or African American; 4=Native Hawaiian or other
+Pacific Islander; 5=White; 6=Information not provided;
+7=Not Applicable (borrower is an institution,
+corporation or partnership); 8=No Co-Borrower
diff --git a/chunks/txt/fd80627ddbc23aa92e46fadcca72583b35c71ef7e777e7afdf566691b6b303f2.txt b/chunks/txt/fd80627ddbc23aa92e46fadcca72583b35c71ef7e777e7afdf566691b6b303f2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ee303ca473470b83ce9a84eee9edf236fd17036c
--- /dev/null
+++ b/chunks/txt/fd80627ddbc23aa92e46fadcca72583b35c71ef7e777e7afdf566691b6b303f2.txt
@@ -0,0 +1,65 @@
+String
+
+This field should contain a description of the materials and condition of the
+gutters and downspouts.
+
+String
+
+This field should contain a description of the materials and condition of the
+window type.
+
+String
+
+This field should contain a description of the materials and condition of any
+storm sash/insulation.
+
+String
+
+This field should contain a description of the materials and condition of any
+screens.
+
+String
+
+This field should contain a description of the materials and condition of the
+floors.
+
+String
+
+This field should contain a description of the materials and condition of the
+interior walls.
+
+String
+
+This field should contain a description of the materials and condition of the
+trim/finish.
+
+String
+
+This field should contain a description of the materials and condition of the
+bathroom floor(s).
+
+String
+
+This field should contain a description of the materials and condition of any
+bathroom wainscot.
+
+Boolean
+
+A value of 'N' indicates that 'None' has been checked, and there is no attic. A
+value of 'Y' indicates that the box has not been checked.
+
+Boolean
+
+A value of 'Y' indicates that drop stairs exist, a value of 'N' indicates that the
+box has not been checked.
+
+If field 1-164 (Attic Exists Indicator = 'N') is
+indicated, then none of fields 1-165, 1-166, 1-
+167, 1-168, 1-169, 1-170 (Attic Feature
+Exists Indicator = 'Y' and values of Attic
+Feature Type) may be indicated.
+If field 1-164 (Attic Exists Indicator = 'N') is
+indicated, then none of fields 1-165, 1-166, 1-
+167, 1-168, 1-169, 1-170 (Attic Feature
+Exists Indicator = 'Y' and values of Attic
+Feature Type) may be indicated.
diff --git a/chunks/txt/fd8ac538dfbccdf4ab101f928a1df15e251ec9f180229f641144bd729eac1d9e.txt b/chunks/txt/fd8ac538dfbccdf4ab101f928a1df15e251ec9f180229f641144bd729eac1d9e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..61b6b72612fecf7420416c1ef03c50574bee1c66
--- /dev/null
+++ b/chunks/txt/fd8ac538dfbccdf4ab101f928a1df15e251ec9f180229f641144bd729eac1d9e.txt
@@ -0,0 +1,61 @@
+The dollar value estimated for the property site (e.g., land that is improved so
+that it is ready to be used for a specific purpose). Can be 0, such as when
+Property Rights Appraised is Leasehold.
+
+Choose an
+allowable answer
+from table
+(Primary Site
+Valuation Method)
+
+The method by which the site value is calculated.
+•
+•
+•
+•
+
+Allocation
+Extraction
+Sales Comparison
+Other (Describe)
+
+Appendix F-1: URAR Reference Guide
+
+Page 81 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+04 Site
+
+Allowable Answer
+
+Definition / Additional Guidance
+
+Primary Site Valuation Method (Choose one)
+
+Allocation
+
+Extraction
+
+Sales Comparison
+
+An estimation of land value in which sales of improved properties are analyzed to establish a typical ratio of land value to
+total property value. This ratio is applied to the property being appraised to arrive at an estimated value for the land.
+
+An estimation of land value in which the depreciated cost of the improvements on the improved property is estimated and
+deducted from the total sale price to arrive at an estimated value for the land.
+
+Identifies sales of vacant land and / or sites and applies an adjustment process to the sale price to determine an indicated
+value or range of value for the subject site.
+Note: If this answer is selected, land comparables (4.107-4.114) must be provided.
+
+Other (Describe)
+
+Select Other to enter an answer that is not in the above list.
+
+Information for each Land Comparable
+
+The Land Comparables table displays if Primary Site Valuation Method is Sales Comparison, and the “When to
+Include” column in this table reflects this.
diff --git a/chunks/txt/fd93038086d2e2e00f2d2ddd40167f2cc85f04727bf3d52787119611ae04e609.txt b/chunks/txt/fd93038086d2e2e00f2d2ddd40167f2cc85f04727bf3d52787119611ae04e609.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b423f34367b6262642d22085fba14f347f9b7df1
--- /dev/null
+++ b/chunks/txt/fd93038086d2e2e00f2d2ddd40167f2cc85f04727bf3d52787119611ae04e609.txt
@@ -0,0 +1,314 @@
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+Form FNM 2055 FRE 2055
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 175 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
+
+71
+
+72
+
+73
+
+74
+
+75
+
+76
+
+77
+
+78
+
+79
+
+80
+
+81
+
+82
+
+83
+
+84
+
+85
+
+86
+
+87
+
+88
+
+89
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+66
+
+NEIGHBORHOOD
+
+67
+
+NEIGHBORHOOD
+
+68
+
+NEIGHBORHOOD
+
+69
+
+NEIGHBORHOOD
+
+70
+
+NEIGHBORHOOD
+
+71
+
+NEIGHBORHOOD
+
+72
+
+NEIGHBORHOOD
+
+73
+
+NEIGHBORHOOD
+
+74
+
+NEIGHBORHOOD
+
+75
+
+NEIGHBORHOOD
+
+76
+
+NEIGHBORHOOD
+
+77
+
+NEIGHBORHOOD
+
+78
+
+NEIGHBORHOOD
+
+79
+
+NEIGHBORHOOD
+
+81
+
+NEIGHBORHOOD
+
+Demand/Supply
+Over Supply
+
+Marketing Time
+Under 3 mths
+
+Marketing Time
+3-6 mths
+
+Marketing Time
+Over 6 mths
+
+One-Unit Housing
+Price $ (000)
+Low
+One-Unit Housing
+Price $ (000)
+High
+One-Unit Housing
+Price $ (000)
+Pred.
+One-Unit Housing
+Age (yrs)
+Low
+One-Unit Housing
+Age (yrs)
+High
+One-Unit Housing
+Age (yrs)
+Pred.
+
+Present Land Use %
+One-Unit
+
+Present Land Use %
+2-4 Unit
+
+Present Land Use %
+Multi-Family
+
+Present Land Use %
+Commercial
+
+Present Land Use %
+Other
+
+82
+
+NEIGHBORHOOD Neighborhood Boundaries
+
+83
+
+84
+
+85
+
+NEIGHBORHOOD Neighborhood Description
+
+NEIGHBORHOOD Market Conditions
+
+SITE
+
+Dimensions
+
+Neighborhood
+Demand Supply
+Type
+Neighborhood
+Typical Marketing
+Time Duration Type
+Neighborhood
+Typical Marketing
+Time Duration Type
+Neighborhood
+Typical Marketing
+Time Duration Type
+Neighborhood
+Housing Low Price
+Amount
+Neighborhood
+Housing High Price
+Amount
+Neighborhood
+Housing
+Predominant Price
+Neighborhood
+Housing Newest
+Years Count
+Neighborhood
+Housing Oldest
+Years Count
+Neighborhood
+Housing
+Predominant Age
+Neighborhood
+Present Land Use
+Percent
+Neighborhood
+Present Land Use
+Percent
+Neighborhood
+Present Land Use
+Percent
+Neighborhood
+Present Land Use
+Percent
+Neighborhood
+Present Land Use
+Percent
diff --git a/chunks/txt/fd9aa93827dea70620a185debd989d3c32dd088488997058322229e8f7e5bac0.txt b/chunks/txt/fd9aa93827dea70620a185debd989d3c32dd088488997058322229e8f7e5bac0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0f34df89ccaeed443e42f574e0a9374dd567e52d
--- /dev/null
+++ b/chunks/txt/fd9aa93827dea70620a185debd989d3c32dd088488997058322229e8f7e5bac0.txt
@@ -0,0 +1,23 @@
+- ### [Fannie Mae and Freddie Mac Assistance Options for Families Impacted by COVID-19 FAQs](/faqs/fannie-mae-and-freddie-mac-assistance-options-for-families-impacted-by-covid-19-faqs)
+
+**Published: Thursday, August 25, 2022**
+
+​​​​View PDF What help is available for homeowners impacted by COVID-19?Homeowners unable to make their mortgage payments resulting from the impact of COVID-1...
+
+- ### [Enterprise Seller/Servicer Minimum Financial Eligibility Requirements Frequently Asked Questions](/faqs/enterprise-seller-servicer-minimum-financial-eligibility-requirements-frequently-asked-questions)
+
+**Published: Wednesday, August 17, 2022**
+
+​​View PDF 1. Why do the 2.0 Servicer Eligibility requirements include additional standards for large non-depositories? The requirements include additional standards for large non-de...
+
+- ### [Re-Proposal to Enhance Eligibility Requirements for Enterprise Single-Family Seller/Servicers](/faqs/re-proposal-to-enhance-eligibility-requirements-for-enterprise-single-family-seller-servicers)
+
+**Published: Thursday, February 24, 2022**
+
+​​Overview As part of their risk management processes, Fannie Mae and Freddie Mac (the Enterprises) each have established an approval process for seller/servicers that includes both a...
+
+- ### [FAQs - Updated Eligibility Requirements for Enterprise Single-Family Seller/Servicers](/faqs/faqs-updated-eligibility-requirements-for-enterprise-single-family-seller-servicers)
+
+**Published: Friday, January 31, 2020**
+
+view PDF1. Why are the Enterprises updating their minimum financial eligibility requirements for Single-Family Seller/Servicers? The updated financial requirements further impro...
diff --git a/chunks/txt/fda955f7af5dc34bf0b9f26a1b1f8ddf2f0506fda923f9446fc3b692ea5f9ef1.txt b/chunks/txt/fda955f7af5dc34bf0b9f26a1b1f8ddf2f0506fda923f9446fc3b692ea5f9ef1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d6581a889c5f6c7b2a586e308c0af5f359aea46d
--- /dev/null
+++ b/chunks/txt/fda955f7af5dc34bf0b9f26a1b1f8ddf2f0506fda923f9446fc3b692ea5f9ef1.txt
@@ -0,0 +1,3 @@
+Intended Use .............................................................................................................................................................................................................. 39
+
+Intended User ............................................................................................................................................................................................................ 39
diff --git a/chunks/txt/fdb1942876db43a3289bf07f69efd4769981483634e04934cc2c15cfc20c2141.txt b/chunks/txt/fdb1942876db43a3289bf07f69efd4769981483634e04934cc2c15cfc20c2141.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0c0123ed4e0f05724973da33ce9e945297dc67c1
--- /dev/null
+++ b/chunks/txt/fdb1942876db43a3289bf07f69efd4769981483634e04934cc2c15cfc20c2141.txt
@@ -0,0 +1,79 @@
+1512.11 Utilities 4/15/14 to 4/30/14
+
+13.0 CALCULATION
+
+Adjustments for Items Unpaid by Seller
+
+12.8.1
+
+12.9.1
+
+12.10.1
+
+12.11.1
+
+$365.00 1415.9 City/Town Taxes 4/15/14 to 4/30/14
+ 1515.10 County Taxes __ to __
+ 1615.11 Assessments __ to __
+
+$100.00 1715.12 Utilities 4/15/14 to 4/30/14
+
+16.0 CALCULATION
+
+13.1 Total Due from Borrower at Closing (K)
+
+13.1.1 $252,347.30 16.1 Total Due to Seller at Closing (M)
+
+13.2 Total Paid Already by or on Behalf of Borrower at Closing (L) 13.2.1 -$227,015.00 16.2 Total Due from Seller at Closing (N)
+
+13.3 Cash to Close  From To Borrower
+
+13.3.1 $25,332.30 16.3 Cash to Close From To Seller
+
+14.4.1
+
+14.5.1
+
+14.6.1
+
+14.7.1
+
+15.0.1
+
+15.1.1
+
+15.2.1
+
+15.3.1
+
+15.4.1
+
+15.5.1
+
+15.8.1
+
+15.7.1
+
+15.9.1
+
+15.10.1
+
+15.11.1
+
+15.12.1
+
+16.1.1
+
+16.2.1
+
+16.3.1
+
+Figure 90. Summaries of Transactions
+
+C. FOR MORE I NFORMATI ON
+
+Summaries of Transactions: Reg §1026.38(j) and (k) pp.80019-20.
+
+BORROWER’S TRANSACTION: Reg §1026.38(j) pp. 80356-7, 80125, 80021-22; 38(j)(4) pp. 80126, 80358, 80023.
+
+11.0: Reg §1026.38(j)(1) pp. 80125, 80357, 80021-22.
diff --git a/chunks/txt/fdcd7bf612b89810e84c61aefce9e5cf381a5462ad364ada7f2c8b7dc41567e5.txt b/chunks/txt/fdcd7bf612b89810e84c61aefce9e5cf381a5462ad364ada7f2c8b7dc41567e5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..214abd978eb2425fdefce7f7e9cfe6c14a26bf95
--- /dev/null
+++ b/chunks/txt/fdcd7bf612b89810e84c61aefce9e5cf381a5462ad364ada7f2c8b7dc41567e5.txt
@@ -0,0 +1,175 @@
+Edit Updates
+
+7.6.3
+
+New edits are related to Property Data – Condo
+Project Manager and Loan Program
+
+Existing edits are related to Special Feature Codes
+
+June 22
+
+Edit Updates
+
+7.6.4
+
+Edits changing severity are related to Property Data
+
+ULAD-
+MISMO
+3.4
+
+ULDD-
+MISMO
+3.0
+
+ULAD-
+MISMO
+3.4
+
+ULDD-
+MISMO
+3.0
+
+4 new edits with a severity of Warning
+
+7 new edits with a severity of Warning,
+effective May 29th
+
+1 new edit with a severity of Fatal
+
+1 edit changing severity from Warning-to-
+Fatal to Fatal
+
+•
+
+•
+
+•
+
+•
+
+•
+
+•
+
+1 edit with a text and logic change
+
+© 2024 Fannie Mae
+
+November 2023
+
+Effective
+Date
+July 24
+
+Impacted
+Area
+Edit Updates
+
+Version
+
+7.6.5
+
+Description
+
+New edits are related to Closing Data and DU
+Compare
+
+Edit changing severity are related to Investor,
+Mortgage Insurance, and Closing Data.
+
+Aug 28
+
+Edit Updates
+
+7.6.5
+
+New edits are related to Closing Data
+
+Sep 1
+
+Edit Updates
+
+7.6.6
+
+Edits changing severity are related to Loan Program –
+Shared Equity
+
+Sep 25
+
+Edit Updates
+
+7.6.6
+
+Edits changing severity are related to Mortgage
+Insurance and Closing Data
+
+Oct 30
+
+Edit Updates
+
+7.6.7
+
+Edits changing severity are related to Property Data –
+CPM and Value Acceptance
+
+File
+Type
+
+ULAD-
+MISMO
+3.4
+
+ULDD-
+MISMO
+3.0
+
+ULDD-
+MISMO
+3.0
+
+ULDD-
+MISMO
+3.0
+
+ULAD-
+MISMO
+3.4
+
+ULDD-
+MISMO
+3.0
+
+ULAD-
+MISMO
+3.4
+
+ULDD-
+MISMO
+3.0
+
+Impact
+
+•
+
+•
+
+•
+
+•
+
+•
+
+1 edit changing severity from Warning to
+Warning-to-Fatal
+
+3 new edits with a severity of Warning
+
+4 edits with changing severity from
+Warning to Warning-to-Fatal
+
+6 new edits with a severity of Fatal
+
+1 edit changing severity from Warning-to-
+Fatal to Fatal
diff --git a/chunks/txt/fdf647abf8840afdfe2a078cd9b9a01d5b55d3468a7157c77e874bde2a880257.txt b/chunks/txt/fdf647abf8840afdfe2a078cd9b9a01d5b55d3468a7157c77e874bde2a880257.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9854e605d21a062fe5a13dadfdc7683b48f47933
--- /dev/null
+++ b/chunks/txt/fdf647abf8840afdfe2a078cd9b9a01d5b55d3468a7157c77e874bde2a880257.txt
@@ -0,0 +1,32 @@
+**Stress Testing Reports/Results**
+[All Fannie Mae and Freddie Mac Stress Testing Reports](/reports/stress-tests-report)
+
+**Stress Testing - Rulemaking**
+[All Stress Testing Rulemaking Pages and Documents](/regulation/federal-register)
+
+**Testimony**
+[An Update from the Federal Housing Finance Agency on Oversight of Fannie Mae, Freddie Mac and the Federal Home Loan Banks (4/18/2013)](/news/testimony/an-update-from-the-federal-housing-finance-agency-on-oversight-of-fannie-mae-freddie-mac-and-the)
+
+**Other**
+
+[DFAST Frequently Asked Questions (FAQs) (8/15/2019)](/sites/default/files/2023-03/2018_dfast_severely-adverse-scenario_faqs.pdf)
+[Annual Report to Congress – 2018 (6/15/2019)](/reports/annual-report-to-congress/2018)
+[Annual Report to Congress – 2017 (6/15/2018)](/reports/annual-report-to-congress/2017)
+[Annual Report to Congress – 2016 (6/15/2017)](/reports/annual-report-to-congress/2016)
+[Annual Report to Congress – 2015 (6/15/2016)](/reports/annual-report-to-congress/2015)
+[Annual Report to Congress – 2014 (6/15/2015)](/reports/annual-report-to-congress/2014)
+
+*Page Updated: 3/4/2025​​​​​*​​
+
+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)
diff --git a/chunks/txt/fdfef2ca78bee0519f9cf1224977acba80273ce12af02f613cc89d94a9224fe5.txt b/chunks/txt/fdfef2ca78bee0519f9cf1224977acba80273ce12af02f613cc89d94a9224fe5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f185b60b8eef7e5669101633c7890664020221cb
--- /dev/null
+++ b/chunks/txt/fdfef2ca78bee0519f9cf1224977acba80273ce12af02f613cc89d94a9224fe5.txt
@@ -0,0 +1,19 @@
+A strict lowest price decision, which is often the sole deciding factor in much of private sector contracting, does not always meet FHFA's needs. Overall, the procurement process takes advantage of a competitive and commercial marketplace that offers the best value to FHFA. Best-value decisions are based on business judgments, considering factors such as capability, past performance, and price.
+
+### Contract Types
+
+FHFA primarily uses firm-fixed-price contracts and time-and-materials contracts (T&M), or labor hours contracts (level of effort).
+
+- **Fixed-Price Contracts**- In a firm-fixed-price contract, the price is established in the contract. The contractor is either paid for successfully performing the work or paid a fixed-unit price for the quantity ordered to determine the final price for successful performance.
+- **Level-of-Effort Contracts**- T&M and labor-hour contracts compensate the contractor based on hours worked and accepted by FHFA. T&M contracts also reimburse the contractor for material costs.
+## Other Acquisition Methods
+
+In addition to individual contract awards, FHFA primarily uses the following methods to procure goods and services:
+
+### Blanket Purchase Agreements
+
+FHFA establishes blanket purchase agreements as a simplified method of filling anticipated repetitive needs for goods and services at a later date or on an ongoing basis.
+
+### Other Types of Contracts and Purchase Orders
+
+We often use the General Services Administration 's (GSA) Federal Supply Schedules and Governmentwide Acquisition Contracts (GWACs), including NASA's Solutions for Enterprise-Wide Procurement to place orders for goods and services directly with contractors.
diff --git a/chunks/txt/fe04bc75eab1c3864f5e5612cfa7a454e8d9d73b1e3b1edeb327b24a606d90be.txt b/chunks/txt/fe04bc75eab1c3864f5e5612cfa7a454e8d9d73b1e3b1edeb327b24a606d90be.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8e70885d7d2313bd340176e42c88727b74207642
--- /dev/null
+++ b/chunks/txt/fe04bc75eab1c3864f5e5612cfa7a454e8d9d73b1e3b1edeb327b24a606d90be.txt
@@ -0,0 +1,3 @@
+Example 2: Condo .............................................................................................................................................................................................................................................................................................................. 7
+
+Example 3: 2- to 4-Unit ...................................................................................................................................................................................................................................................................................................... 8
diff --git a/chunks/txt/fe22c93e1420aa86fa1443b3aa0a1f55b9b34ad85d75f8dd29fe0294b30dd61b.txt b/chunks/txt/fe22c93e1420aa86fa1443b3aa0a1f55b9b34ad85d75f8dd29fe0294b30dd61b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3e0491ba5a37fd48f5a5efb0ae35b0c96755b8b7
--- /dev/null
+++ b/chunks/txt/fe22c93e1420aa86fa1443b3aa0a1f55b9b34ad85d75f8dd29fe0294b30dd61b.txt
@@ -0,0 +1,37 @@
+14. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable
+federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation
+of my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is
+enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.
+
+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 AA234567 Client Reference ID 1234567Update Version #1Fannie Mae | Freddie Mac September 2024
+
+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 2024
diff --git a/chunks/txt/fe2bf53593fe8e164c08340b1d7988a4fded68874885604bf02cf9e10c3c4cbc.txt b/chunks/txt/fe2bf53593fe8e164c08340b1d7988a4fded68874885604bf02cf9e10c3c4cbc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..586e35302ff06150277ec564d73d4bcacb3d8ad9
--- /dev/null
+++ b/chunks/txt/fe2bf53593fe8e164c08340b1d7988a4fded68874885604bf02cf9e10c3c4cbc.txt
@@ -0,0 +1,15 @@
+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 intended use, intended user,
+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 the certifications are also not permitted. However, additional certifications that do not constitute material alterations to
+this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an
+appraisal organization, are permitted.
+
+SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the reporting
+requirements of this appraisal report form, including the following definition of market value, statement of assumptions and limiting
+conditions, and certifications. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the
+subject property including, but not limited to, public and/or private data records, and information as described by the appraiser in the
+appraisal report, (2) research, verify, and analyze adequate and reliable data from public and/or private sources for the subject
+market area including data for each comparable property reported, and (3) report his or her analysis, opinions, and conclusions in
+this appraisal report.
diff --git a/chunks/txt/fe2ed5aecb4c85c9f73e9ce39e3a136f5342855c6feeb9892ea76861cda01134.txt b/chunks/txt/fe2ed5aecb4c85c9f73e9ce39e3a136f5342855c6feeb9892ea76861cda01134.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7807b4a513a5c1d5f4788b68c3b36e50ec3ae174
--- /dev/null
+++ b/chunks/txt/fe2ed5aecb4c85c9f73e9ce39e3a136f5342855c6feeb9892ea76861cda01134.txt
@@ -0,0 +1,65 @@
+A structure designed to provide temporary living quarters that does not contain all of the elements to be considered a
+dwelling unit.
+
+Indoor Riding Arena
+
+A structure designed for indoor horse riding.
+
+Manufactured Home
+
+A factory-built dwelling built in compliance with the Federal Manufactured Home Construction and Safety Standards in
+effect at the time the home was manufactured as evidenced by the HUD label.
+Notes:
+•
+•
+
+Select this answer if any portion of the outbuilding is a manufactured home, regardless of current usage.
+If the manufactured home is an ADU, the Manufactured Home section displays.
+
+Office
+
+Pool House
+
+Shed
+
+Silo
+
+Stable
+
+Standalone ADU
+
+Studio
+
+Workshop
+
+Other (Describe)
+
+A structure designed to enhance the poolside experience.
+
+A structure designed to store agricultural materials in bulk.
+
+A structure designed to house livestock.
+
+A detached ADU that is not a manufactured home, and has no additional separate area.
+Note: If the ADU is a manufactured home, select Manufactured Home instead of this answer.
+
+A structure designed for instruction or practice of the arts (e.g., music, painting, photography).
+
+Select Other to enter an answer that is not in the above list. For detached garages with separate additional area other
+than vehicle storage or ADU, select this answer, and describe all the uses. Reference Appendix 4: Detached Garage
+Examples for additional information and examples.
+Examples:
+•
+• Workshop/ADU/Garage
+•
+
+Barn/Garage
+
+Storm Shelter
+
+Do not select this answer:
+•
+
+If the garage is primarily designed for vehicle storage, which must be identified in Vehicle Storage and not in
+Outbuilding.
+If the ADU shares a common wall with the garage, and there is no separate additional area. Select ADU/Garage.
diff --git a/chunks/txt/fe3c08c644f7abe3c89d2db9fb5f5a7168ac08186d9c7531c87c0862eaee8c78.txt b/chunks/txt/fe3c08c644f7abe3c89d2db9fb5f5a7168ac08186d9c7531c87c0862eaee8c78.txt
new file mode 100644
index 0000000000000000000000000000000000000000..242eb940d61a19f951b883af2ad2c4732ca09005
--- /dev/null
+++ b/chunks/txt/fe3c08c644f7abe3c89d2db9fb5f5a7168ac08186d9c7531c87c0862eaee8c78.txt
@@ -0,0 +1,144 @@
+at time of consummation plus the margin)
+
+▪ 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
+▪ WeightedAverageInterestRatePercent
+
+▪ Fixed
+▪ false
+▪ 3.875
+
+▪ Fixed
+▪ true
+▪ false
+▪ 3.875
+
+▪ Fixed
+▪ true
+▪ true
+▪ 1.875
+
+▪ Step
+▪ false
+▪ 3.875
+
+▪ AdjustableRate
+▪ false
+▪ 3.875
+
+▪ AdjustableRate
+▪ false
+▪ 3.875
+
+▪ AdjustableRate
+▪ true
+▪ true
+▪ 1.875
+
+▪ Fixed
+▪ false
+▪ 3.875
+
+Appendix E: UCD Implementation Guide
+
+Page 64 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+4.0 Loan Terms
+
+The following table illustrates how the interest rate data points discussed above are expressed in the UCD file.
+
+Table 50. Interest Rate Percent
+
+ID
+
+Form Field
+Name
+
+UID 3.038 N/A – GSE
+
+MISMO v3.3.0 Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO
+v3.3.0 Value
+
+Notes
+
+.../CLOSING_INFORMATION_DE
+TAIL
+
+CurrentRateSetDate
+
+YYYY-MM-DD Not shown - Data
+
+Clarity
+
+Use one and only one of the following data points:
+
+4.2.1 | 20.2
+
+Interest
+Rate
+
+…/BUYDOWN_OCCURRENCE
+
+…/LOAN/TERMS_OF_LOAN
+
+UID 4.038 N/A - GSE
+
+…/LOAN/LOAN_PRODUCT/LOA
+N_PRICE_QUOTES/LOAN_PRICE
+_QUOTE/LOAN_PRICE_QUOTE_
+DETAIL
+
+a. MAPPI NG GUIDANCE
+
+BuydownInitialEffectiv
+eInterestRatePercent
+
+DisclosedFullyIndexed
+RatePercent
+
+1.8750
+
+ROF as “1.875%”
+
+3.8750
+
+ROF as “3.875%”
+
+NoteRatePercent
+
+3.8750
+
+ROF as “3.875%”
+
+WeightedAverageInter
+estRatePercent
+
+3.8750
+
+ROF as “3.875%”
+
+LoanPriceQuoteIntere
+stRatePercent
+
+n.nnnn
+
+Not shown –
+ATR/QM
+
+4.2.1 Although the same interest rate data point will be also used to populate 20.2 when applicable, it
+appears only once in the XML file. Along with the note amount, the related GSE-Specific data point required to
+support Data Clarity, Current Rate Set Date, (the date the final interest rate was locked in with the borrower)
+must be provided in the UCD file.
diff --git a/chunks/txt/fe3f6ef3db31f7c4b281281d18fdeed0807958938ef15c555def0c0d2c210889.txt b/chunks/txt/fe3f6ef3db31f7c4b281281d18fdeed0807958938ef15c555def0c0d2c210889.txt
new file mode 100644
index 0000000000000000000000000000000000000000..515099e06e84dbb7577731091533fea56e5740d5
--- /dev/null
+++ b/chunks/txt/fe3f6ef3db31f7c4b281281d18fdeed0807958938ef15c555def0c0d2c210889.txt
@@ -0,0 +1,46 @@
+a. Each title company charge must be represented on the form with the prefix “Title-”.
+
+2.
+
+Include RegulationZPointsAndFeesIndicator with every charge in support of ATR/QM, with the exception of
+7.2.1 Points.
+
+3. For items 7.2 and 7.3, provide the type of entity receiving the payment. This supports an ATR/QM to
+
+identify Broker or Lender affiliates.
+
+4. For subcategories 7.4 and 7.6, identify the provider of the service by company name.
+
+5. Determine if the payment was broken out across multiple payors.
+
+Appendix E: UCD Implementation Guide
+
+Page 113 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+7.0 Loan Costs Table
+
+a.
+
+If paid by one payor at one time, disclose the full amount of the charge in the appropriate column. (7.3.2
+– 7.3.6)
+
+b. If the payment was broken out, disclose all payors, their portion of the charge, and at what time they
+
+paid it relative to closing. If the charge was paid by a third party, no timing information is needed. (7.3.6)
+
+6.
+
+If the third-party payor is the lender, precede the amount paid by the indicator “(L)” (7.3.6)
+
+7. 1 ORI GI NATI ON CHARGES
+
+A. Origination Charges include fees the consumer will pay to each creditor and loan originator for originating
+and extending credit. Examples include but are not limited to: Points charged to reduce the interest rate,
+application fee, manual and/or automated underwriting fees, processing fee, verification fees, rate lock fee,
+third-party originator compensation, and loan level pricing adjustment assessed on the lender that is passed on
+to the borrower. See the enumerations listed for 7.3 FeeType in Appendix I for the full list of fees that are
+recommended for this category.
diff --git a/chunks/txt/fe42c8989d7f9bdda686ccdb66e6e7995de4c1425a6471a081d11670de8184dc.txt b/chunks/txt/fe42c8989d7f9bdda686ccdb66e6e7995de4c1425a6471a081d11670de8184dc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6f6bf98cf40a50d7cd772505420265cc94034f63
--- /dev/null
+++ b/chunks/txt/fe42c8989d7f9bdda686ccdb66e6e7995de4c1425a6471a081d11670de8184dc.txt
@@ -0,0 +1,98 @@
+• Subject Property
+
+• Property Rights Appraised: Fee Simple
+• Attachment Type: Detached
+
+• Site
+
+• Site Utilities
+
+▪ Water and Sanitary Sewer are private with well and septic
+▪ Electric is private (solar panels) and there is a connection to public electrical lines
+
+• Site value was developed at the request of the client (including Land Comparables)
+
+• Unit Interior – Primary Dwelling
+
+•
+
+Includes an additional interior feature (Wet Bar) with a photo
+
+• Energy Efficient and Green Features
+
+• Renewable Energy Component: Leased Solar Panels
+• Green Energy Certification: RESNET (HERS) and DOE (Home Energy Score)
+
+• Defects, Damages, Deficiencies: None
+
+Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to
+information in the URAR.
+
+The URAR sample scenario begins on the next page.
+
+This cover section, including Introduction and Key Characteristics,
+
+is not part of the URAR.
+
+Uniform Residential Appraisal Report
+
+14568 GENERIC RD, OUT THERE, VA 56789
+
+SUMMARY
+
+Opinion Of Market Value
+
+$775,000
+
+Market Value Condition
+
+As Is
+
+Effective Date Of Appraisal
+Assignment Reason
+Borrower Name
+
+Current Owner Of Public Record
+Contract Price
+Listing Status
+
+09/08/2019
+Purchase
+Bob Borrower
+Betty Borrower
+Jane Doe
+$770,000
+Pending
+
+Property Valuation Method
+Appraiser Name
+
+Traditional Appraisal
+Agatha Appraiser
+
+Property Description
+
+Construction Method
+Attachment Type
+
+Planned Unit Development (PUD)
+Condominium
+Cooperative
+Condop
+Subject Site Owned in Common
+
+Site Built
+Detached
+
+Overall Quality
+Overall Condition
+
+Q4
+C4
+
+Yes No
+ 
+ 
+ 
+ 
+ 
diff --git a/chunks/txt/fe5fa5f920ea17e9fc271223c2ba945b0bdcb05dd06e7e4a83cd78374e20459d.txt b/chunks/txt/fe5fa5f920ea17e9fc271223c2ba945b0bdcb05dd06e7e4a83cd78374e20459d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d58b7b07a01d142d656819aa08288f7828633fe7
--- /dev/null
+++ b/chunks/txt/fe5fa5f920ea17e9fc271223c2ba945b0bdcb05dd06e7e4a83cd78374e20459d.txt
@@ -0,0 +1,33 @@
+*​*
+
+*Last updated: December 2, 2022​*
+
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
+
+## Footer
+
+- [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
diff --git a/chunks/txt/fe876a6c77197b75baafc7e99cd63349978baace12451850ca23b137f6db4942.txt b/chunks/txt/fe876a6c77197b75baafc7e99cd63349978baace12451850ca23b137f6db4942.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ed1c7cf412ace3a3c2e7530e0a17a4a4630b8f63
--- /dev/null
+++ b/chunks/txt/fe876a6c77197b75baafc7e99cd63349978baace12451850ca23b137f6db4942.txt
@@ -0,0 +1,137 @@
+Figure 47. Rendering Cash to Close Table Data on the CD Alternate Form.
+
+Calculating Cash to Close
+
+10.A
+
+Loan Estimate
+
+Final
+
+Did this change?
+
+IntegratedDisclosureCashToClose
+ItemType
+
+IntegratedDisclosureCa
+shToCloseItemEstimate
+d
+Amount
+
+IntegratedDisclosure
+CashToClose
+ItemFinalAmount
+
+IntegratedDi
+sclosureCash
+ToClose
+ItemAmount
+ChangedIndi
+cator
+
+IntegratedDisclosureCashTo
+CloseItemChangeDescription
+
+10.10 Loan Amount
+“LoanAmount”
+
+10.1 Total Closing Costs (J)
+“TotalClosingCosts”
+
+10.2 Closing Costs Paid Before
+Closing
+“ClosingCostsPaidBeforeClosing”
+
+10.10.1 $150,000
+
+10.10.2
+
+10.10.3 NO
+
+10.10.4
+
+$150,0
+
+00
+
+10.1.1-$5,099.00
+
+10.1.2
+
+-$5,757.00 10.1.3 YES
+
+10.2.1
+
+$0.00
+
+10.2.2
+
+$435.00 10.2.3 YES
+
+10.1.4 See Total Loan Costs
+(D) and Total Other Costs (I)
+
+10.2.4 You paid these
+Closing Costs before closing
+
+UCD v2.0 Implementation Guide
+
+- 65 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Figure 47. Rendering Cash to Close Table Data on the CD Alternate Form.
+
+Calculating Cash to Close
+
+10.A
+
+Loan Estimate
+
+Final
+
+Did this change?
+
+10.11 Total Payoffs & Payments (K)
+“PayoffsAndPayments”
+
+10.11.1-$120,000.00
+
+10.11.2
+$115,000.00
+
+-
+
+10.11.3 YES 10.11.4 See Payoffs and
+
+Payments (K)
+
+10.9 Cash to Close
+“CashToCloseTotal”
+
+10.9.1 $24,901.00
+
+10.9.2 $29,677.00
+
+10.3 Closing Costs Financed
+“ClosingCostsFinanced” 10.3.2 $5,322.00
+
+10.9.3 From To
+Borrower
+IntegratedDisclosureCa
+shToClose
+ItemPaymentType =
+“ToBorrower”
+
+10.9.4 From To
+Borrower
+IntegratedDisclosure
+CashToCloseItemPay
+mentType =
+“ToBorrower”
+
+Table 36. UCD v2.0 Spec Excerpt - Cash to Close Item – Refinance Data Requirements.
diff --git a/chunks/txt/fe8bfa632f423a456baca04c7c115ec6827c323d8e56359db68ddb042e0de5e4.txt b/chunks/txt/fe8bfa632f423a456baca04c7c115ec6827c323d8e56359db68ddb042e0de5e4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4c942364b3c62472d41e9933555e223ed1c3cfbf
--- /dev/null
+++ b/chunks/txt/fe8bfa632f423a456baca04c7c115ec6827c323d8e56359db68ddb042e0de5e4.txt
@@ -0,0 +1,178 @@
+This field should be populated if field 2-
+93 (Property Analysis Type =
+'ConformsToNeighborhood' and
+Property Analysis Exists Indicator = 'N')
+is indicated.
+
+One and only one of fields 2-95, 2-96
+(values of Sales History Researched
+Indicator) should be indicated.
+One and only one of fields 2-95, 2-96
+(values of Sales History Researched
+Indicator) should be indicated.
+
+R
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+R
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+Form FNM 1073 FRE 465
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 104 of 211
+
+Document Version 1.4
+
+Sort ID
+
+Form
+Page
+
+Form
+Reference
+Number
+
+Form Section
+
+Form Field Label
+
+Data Point Name
+
+Data Point Definition
+
+XPath
+
+Data Point Field
+Length
+
+Format
+
+Implementation Notes
+
+Conditionality Description
+
+Data Field
+Conditionality
+1073/465
+
+Data Field
+Conditionality 1073
+Hybrid/465H
+
+Data Field
+Conditionality 1073
+Desktop/465D
+
+304
+
+305
+
+306
+
+307
+
+308
+
+309
+
+310
+
+311
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+97
+
+98
+
+99
+
+100
+
+101
+
+102
+
+103
+
+104
+
+PRIOR SALE
+HISTORY
+
+PRIOR SALE
+HISTORY
+
+PRIOR SALE
+HISTORY
+
+I did not research the sale or
+transfer history of the subject
+property and comparable sales.
+If not, explain.
+
+My research Did reveal any
+prior sales or transfers of the
+subject property for the three
+years prior to the effective date
+of this appraisal.
+
+My research Did Not reveal any
+prior sales or transfers of the
+subject property for the three
+years prior to the effective date
+of this appraisal.
+
+Sales History Not
+Researched
+Comment
+
+A free-form text field used to describe or
+comment on why the sales or transfer
+history research of the subject property
+and comparable sales was not performed.
diff --git a/chunks/txt/fe9cbbb2f5bcb927fe8ac6be98668e5e52b0a5728013abf28780d5b2b14ac821.txt b/chunks/txt/fe9cbbb2f5bcb927fe8ac6be98668e5e52b0a5728013abf28780d5b2b14ac821.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c9ac19a5b4318bd3c5e1743e1d235a29b0bcc089
--- /dev/null
+++ b/chunks/txt/fe9cbbb2f5bcb927fe8ac6be98668e5e52b0a5728013abf28780d5b2b14ac821.txt
@@ -0,0 +1,54 @@
+at 60034.
+
+requires Credit Score to be reported by
+lenders, but intends to exclude it from
+disclosure in its public dataset.120 FHFA
+will continue disclosing Credit Score in
+the PUDB Single-Family National File C
+in ranges to fulfill its separate statutory
+obligation to publish high-cost
+securitized mortgage data, but will not
+add it to the Census Tract File in order
+to remain aligned with the CFPB
+Privacy Guidance.
+
+Nationwide Mortgage Licensing
+System and Registry ID (NMLSR ID):
+NMLSR ID is a new HMDA data element
+that identifies the mortgage loan
+originator, as defined in Regulation G 121
+or Regulation H,122 as applicable.123
+The Enterprises collect NMLSR ID.
+Because NMLSR ID could identify a
+borrower, the CFPB Privacy Guidance
+intends to exclude it from the CFPB’s
+public dataset.124 In conformance with
+the CFPB Privacy Guidance, NMLSR ID
+will continue to be excluded from the
+Single-Family PUDB.
+
+Automated Underwriting System
+Result (AUS Result): AUS Result is a
+new HMDA data element that identifies
+the result provided by any AUS used to
+evaluate a loan application.125 The
+Enterprises collect AUS Result. The
+CFPB Privacy Guidance intends to
+exclude AUS Result from the CFPB’s
+public dataset because it presents
+borrower privacy concerns.126 In
+conformance with the CFPB Privacy
+Guidance, AUS Result will continue to
+be excluded from the Single-Family
+PUDB.
+
+C. Multifamily PUDB
+
+1. New or Modified HMDA Multifamily
+Data Elements Added to the PUDB
+
+The following multifamily data
+elements added or modified by the
+amended Regulation C will be added to
+the PUDB Multifamily Census Tract
+File.
diff --git a/chunks/txt/fea055a427ea1137309c6b25d9d238e208806fd36dc9e3c4ea9a8d23752c4ba1.txt b/chunks/txt/fea055a427ea1137309c6b25d9d238e208806fd36dc9e3c4ea9a8d23752c4ba1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9abbb25c5a4cd8f3fa937190c756e10ca48b12a0
--- /dev/null
+++ b/chunks/txt/fea055a427ea1137309c6b25d9d238e208806fd36dc9e3c4ea9a8d23752c4ba1.txt
@@ -0,0 +1,41 @@
+<RELATIONSHIP xlink:arcrole = "urn:fdc:mismo.org:2009:residential/RENTAL_INFORMATION_IsComparableFor_RENTAL_INFORMATION" xlink:from =
+"RENTAL_INFORMATION_RENTCOMP1_SUBJECTUNIT2" xlink:to = "RENTAL_INFORMATION_BLDG2_UNIT2"/>
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+24 Income Approach
+
+Page 319
+
+The Income Approach section includes information about Gross Rent Multiplier (GRM) comparables, market rent, and the Gross Rent
+Multiplier. This section provides space for additional commentary and exhibits.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 320
+
+This section contains the following subsections (gray bars) that always display:
+
+• Gross Rent Multiplier Comparables
+•
+•
+•
+
+Indicated Value by Income Approach
+Income Approach Commentary
+Income Approach Exhibits
+
+The section displays when IncomeApproachIndicator (UID: 1000.0030, FID: Not on report) = "true". When there is an Income Approach
+included in the appraisal, Rental Information section is required.
+
+Gross Rent Multiplier Comparables
+
+The Gross Rent Multiplier Comparables subsection provides detailed information about the comparable properties used to determine the
+Gross Rent Multiplier for the subject property – GrossRentMultiplierFactorNumber (UID: 1200.0003, FID: 24.023).
+
+• There must be at least 3 GRM comparables.
+• A thumbnail must display for each GRM comparable.
+• Display the subject property column and 3 GRM comparables in one grid.
+• When there are more than 3 GRM comparables, the row headers and the Subject Property columns repeat, followed by “Comparable
+
+#” repeating as necessary for additional comparables. (Figure 24 - 1)
diff --git a/chunks/txt/feb26dfd2e2fd124993eff981f59ddda50c799ca5545372dd0964a672f4d273a.txt b/chunks/txt/feb26dfd2e2fd124993eff981f59ddda50c799ca5545372dd0964a672f4d273a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..03a7a7edc5d9c463b5375d7929d96eeb94d81171
--- /dev/null
+++ b/chunks/txt/feb26dfd2e2fd124993eff981f59ddda50c799ca5545372dd0964a672f4d273a.txt
@@ -0,0 +1,33 @@
+A Housing Finance Examiner Commission will indicate whether an examiner is qualified to lead the examination of a major risk area at Fannie Mae, Freddie Mac, and the Federal Home Loan Banks. The program combines coursework, on-the-job training, and testing to ensure an examiner has the skills and technical knowledge necessary to evaluate the condition and practices of the entities that FHFA supervises.
+
+To date, more than 50 of FHFA's safety and soundness examiners have been awarded the distinction of Certified Housing Finance Examiner in recognition of their accomplishments since the program started in 2013.
+
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
+
+## Footer
+
+- [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
diff --git a/chunks/txt/feb5aaeda41a636d88cd5ba222437110a35916324804a21fc9e685c42edb6ca1.txt b/chunks/txt/feb5aaeda41a636d88cd5ba222437110a35916324804a21fc9e685c42edb6ca1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3386abfbe111c2c557a4feedba0dd5a1f1cc2691
--- /dev/null
+++ b/chunks/txt/feb5aaeda41a636d88cd5ba222437110a35916324804a21fc9e685c42edb6ca1.txt
@@ -0,0 +1,15 @@
+*For FHLBank executive compensation, see documents filed with the Securities and Exchange Commission.*[*Electronic Data Gathering, Analysis, and Retrieval (EDGAR) system – Company Filings*](https://www.sec.gov/cgi-bin/browse-edgar?company=Federal+Home+Loan+Bank&owner=exclude&action=getcompany)*.*
+
+## Fannie Mae and Freddie Mac
+
+​The compensation paid to senior executives of Fannie Mae and Freddie Mac (the Enterprises) is established after consideration of private sector pay comparability reviews prepared by outside pay consultants retained by the boards of directors, and in consultation by FHFA with the U.S. Department of the Treasury.
+
+For more information on annual Fannie Mae and Freddie Mac executive compensation, see [FHFA's Annual Report to Congress](/sites/default/files/documents/FHFA_2019_Report-to-Congress.pdf) and the Form 10-K Filings and Reports to Congress on Compensation linked below.
+
+## ​Executive Compensation and Incentive Compensation Plans
+
+In 2012, FHFA changed the compensation Fannie Mae and Freddie Mac executives are eligible to earn, and these changes remain in effect today. FHFA designed the compensation structure to provide competitive compensation and retain key managers. It includes a retention feature and reductions for missed performance.
+
+Implementation of the new structure also included a 10 percent reduction to most executives’ total direct compensation and eliminated bonuses and incentive plans that had been in place.
+
+Each Enterprise executive officer’s target total direct compensation is the sum of base salary and deferred salary, which are paid in cash. Base salary is earned and paid on the Enterprises’ standard payroll cycle. Base salaries of Enterprise executive officers may not exceed $600,000. Deferred salary is earned on the Enterprises’ standard payroll cycles and paid as described below.
diff --git a/chunks/txt/fed91da156ec3a3d5e46f0a76717fea4fe56b7512e178a78fec53f991680e382.txt b/chunks/txt/fed91da156ec3a3d5e46f0a76717fea4fe56b7512e178a78fec53f991680e382.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d51be8233b7500ae33cc3445097935a2db4545e5
--- /dev/null
+++ b/chunks/txt/fed91da156ec3a3d5e46f0a76717fea4fe56b7512e178a78fec53f991680e382.txt
@@ -0,0 +1,53 @@
+H2
+
+Additional Appraiser Certifications
+
+TXC-I
+TXC-NP
+
+Additional Appraiser Certifications cannot be contrary to the original Appraiser Certifications.
+1.
+
+H1
+
+Supervisory Appraiser Certifications
+
+TXC
+
+The Supervisory Appraiser certifies and agrees that:
+
+TXC-NP
+
+1. I have no present or prospective interest in the subject property, or relationship with the present or prospective owners or occupants of the
+subject property, or other parties involved in this transaction.
+
+2. I performed this assignment without bias with respect to the parties involved in this transaction, the subject property, 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.
+
+TXC-NP
+
+4. I accept full responsibility for this certification of completion.
+
+FTR-L
+
+FTR-R
+
+Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Completion Report Page [Page] of [Pages]Completion Version #Fannie Mae | Freddie Mac September 2024
+
+HDR-L
+
+HDR-R
+
+2 COLUMN PAGE FORMAT
+
+TXC-NP
+
+5. The assignment information regarding the scope of inspection by the Supervisory Appraiser is correct.
+
+6. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable federal
+and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation of
+my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is
+enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature.
diff --git a/chunks/txt/fedafd61c8a2104a2b0ad8b710ca8c406e77218538dfe98565f2b3775794f89e.txt b/chunks/txt/fedafd61c8a2104a2b0ad8b710ca8c406e77218538dfe98565f2b3775794f89e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..376f97b63c4ba9b0ad5cbbf5ce07883631b10e6c
--- /dev/null
+++ b/chunks/txt/fedafd61c8a2104a2b0ad8b710ca8c406e77218538dfe98565f2b3775794f89e.txt
@@ -0,0 +1,55 @@
+29. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this
+assignment.
+
+TXC-NP
+
+29. I have performed services regarding the subject property within the three years preceding the agreement to perform this assignment.
+
+TXC-NPI-B
+
+Description of Prior Services:
+
+FTR-L
+
+FTR-R
+
+Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024
+
+HDR-L
+
+H2
+
+Additional Appraiser Certifications
+
+2 COLUMN PAGE FORMAT
+
+HDR-R
+
+TXC-I
+
+TXC-NP
+
+Additional Appraiser Certifications cannot be contrary to the original Appraiser Certifications.
+1.
+
+H1
+
+Supervisory Appraiser Certifications
+
+TXC
+
+The Supervisory Appraiser certifies and agrees that:
+
+TXC-NP
+
+1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective
+owners or occupants of the subject property, or other parties involved in this transaction.
+
+2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this
+report, or the demographics of the area where the property is located.
+
+3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that
+apply to the appraiser and to the assignment.
+
+4. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser’s analyses,
+opinions, statements, conclusions, and the appraiser’s certification.
diff --git a/chunks/txt/fefa81607a4d106acffb8370402879b8ff70f129d8c8cd7fa8304e2fa00ecf36.txt b/chunks/txt/fefa81607a4d106acffb8370402879b8ff70f129d8c8cd7fa8304e2fa00ecf36.txt
new file mode 100644
index 0000000000000000000000000000000000000000..458f1b81370ee3ef5c9971f0429ceb587c8b4487
--- /dev/null
+++ b/chunks/txt/fefa81607a4d106acffb8370402879b8ff70f129d8c8cd7fa8304e2fa00ecf36.txt
@@ -0,0 +1,37 @@
+Enabling Users To Download P&I LAR Details For Prior Periods In The Cash Position
+Search Results Screen
+
+With this release, users will be able to download the prior period details of P&I LARs from the
+Cash Position Search Results screen in order to see the details of the accepted LARs that were
+processed.
+
+Enabling Users To Download Cash Received Details In The Cash Position Search Results
+Screen
+
+With this release, users will also be able to view the details of Cash Received from the Cash
+Position Search Results screen for the selected and prior period in order to see the details of
+the cash transactions.
+
+Incorporating Ask Poli In The Application User Interface
+
+Access to Ask Poli, our popular policy and Servicing Guide search tool, will be added to the
+LSDU with the addition of a widget available on the user interface. Servicers can now get fast,
+clear answers to questions on Fannie Mae’s Selling Guide, Investor Reporting Manual, and
+
+© 2019 Fannie Mae. Trademarks of Fannie Mae.
+
+Page 1 of 2
+
+LSDU Guide, directly from the LSDU application, by clicking on the tab on the lower right side of
+the user interface screen. The widget display expands from the right screen border to offer a
+query field, information about Ask Poli, and trending topics to help users find answers efficiently
+(see screenshot below).
+
+Updating The Look And Feel Of The User Interface
+
+With this release, the look and feel of the LSDU user interface will be updated to align with our
+latest design standards (as seen in the screenshot above).
+
+For More Information
+
+For more information about this release, please contact Future of Servicing.
diff --git a/chunks/txt/fefba53bc5f88032619205d93c95a53ff68a1cced3424c12f7540ea1a8d6d684.txt b/chunks/txt/fefba53bc5f88032619205d93c95a53ff68a1cced3424c12f7540ea1a8d6d684.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d90475a4d2b0da3a12ee51329d41092b32e5176f
--- /dev/null
+++ b/chunks/txt/fefba53bc5f88032619205d93c95a53ff68a1cced3424c12f7540ea1a8d6d684.txt
@@ -0,0 +1,83 @@
+The sum of the construction and permanent financing terms is provided in ConstructionLoanTotalTermMonthsCount. The
+ConstructionPeriodNumberofMonthsCount
+for
+ConstructionLoanTotalTermMonthsCount.
+
+to LoanMaturityPeriodCount
+
+to provide
+
+the value
+
+is added
+
+Table 33. UCD v2.0 Spec Excerpt - Construction Loan 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/LOA
+NS/LOAN/CONSTRUCTION
+
+3.023
+
+ConstructionLoanTotalTermMonthsCount
+
+369
+
+3.021
+
+ConstructionLoanType
+
+ConstructionToPermanent
+
+3.019
+
+ConstructionPeriodNumberOfMonthsCount
+
+9
+
+N O T E : The May 2, 2018, amendment to the Regulation (83 FR 19159) concerns disclosure of several construction loan
+inspection and handling fees collected by the lender after closing. The GSEs are interested only in those transaction
+charges occurring at or before closing, and did not add enumerations supporting these fees to UCD v1.5 or v2.0.
+
+UCD v2.0 Implementation Guide
+
+- 57 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Figure 42. XML Snippet - Example of Construction Data.
+
+<MESSAGE>
+…
+<DEAL>
+ <LOANS>
+ <LOAN>
+
+<CONSTRUCTION>
+
+<ConstructionLoanTotalTermMonthsCount >369</ConstructionLoanTotalTermMonthsCount>
+ <ConstructionLoanType>ConstructionToPermanent</ConstructionLoanType>
+ <ConstructionPeriodNumberOfMonthsCount >9</ConstructionPeriodNumberOfMonthsCount>
+
+</CONSTRUCTION>
+…
+</MESSAGE>
+
+UCD v2.0 Implementation Guide
+
+- 58 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
diff --git a/chunks/txt/ff080892b2903216c6c1fcb9bb9e783043ae145fc7e300bbe806fa092bd24cd2.txt b/chunks/txt/ff080892b2903216c6c1fcb9bb9e783043ae145fc7e300bbe806fa092bd24cd2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5cfb29708e998c299b6959a59e3f8b5e2422c332
--- /dev/null
+++ b/chunks/txt/ff080892b2903216c6c1fcb9bb9e783043ae145fc7e300bbe806fa092bd24cd2.txt
@@ -0,0 +1,17 @@
+Pricing and Execution – Whole Loan (PE-Whole Loan)
+
+##### Integration Impact Memos
+
+- [PE - Whole Loan Integration Impact Memo | May 1, 2023](/media/document/pdf/pe-whole-loan-integration-impact-memo-may-1-2023)
+ - [PE - Whole Loan Integration Impact Memo | Sept. 29, 2022](/media/document/pdf/pe-whole-loan-integration-impact-memo-sept-29-2022)
+ - [PE - Whole Loan Integration Impact Memo | Aug. 15, 2022](/media/document/pdf/pe-whole-loan-integration-impact-memo-aug-15-2022)
+ - [PE - Whole Loan Integration Impact Memo | July 29, 2022](/media/document/pdf/pe-whole-loan-integration-impact-memo-july-29-2022)
+ - [PE - Whole Loan Integration Impact Memo | Aug. 19 , 2021](/media/document/pdf/pe-whole-loan-integration-impact-memo-aug-19-2021)
+ - [PE - Whole Loan Integration Impact Memo | Jan. 5, 2021](https://singlefamily.fanniemae.com/media/document/pdf/pe-whole-loan-integration-impact-memo-jan-5-2020)
+ - [PE - Whole Loan Integration Impact Memo | Dec. 31, 2020](/media/document/pdf/pe-whole-loan-integration-impact-memo-dec-31-2020)
+
+##### Integration Test Cases
+
+- [PE-WL Browse Price Suggested Test Cases](/media/document/xlsx/pe-wl-browse-price-suggested-test-cases)
+ - [PE-WL Commitment Suggested Test Cases](/media/document/xlsx/pe-wl-commitment-suggested-test-cases)
+ - [PE-WL Manage Commitment Suggested Test Cases](/media/document/xlsx/pe-wl-manage-commitment-suggested-test-cases)
diff --git a/chunks/txt/ff0dcecaa53d0d2ec57774932e5875de8dac43b88b1f84053f32de44acb953a2.txt b/chunks/txt/ff0dcecaa53d0d2ec57774932e5875de8dac43b88b1f84053f32de44acb953a2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dedbc83ddb1758a9d894a5cccaeff783ec9aa2b1
--- /dev/null
+++ b/chunks/txt/ff0dcecaa53d0d2ec57774932e5875de8dac43b88b1f84053f32de44acb953a2.txt
@@ -0,0 +1,9 @@
+The MISMO v3.4 Reference Model ..................................................................................................... 6
+
+Navigating the MISMO v3.4 Reference Model .................................................................................... 7
+
+Contents of the MISMO v3.4 Logical Data Dictionary (LDD) ............................................................ 7
+
+Understanding Fannie Mae’s DU Spec ................................................................................................ 8
+
+Navigating the Fannie Mae DU Spec ................................................................................................... 8
diff --git a/chunks/txt/ff24b32a5ebb8dcc1b2dff30d233f8ba8a1d7b7f449470637705b6a516391c88.txt b/chunks/txt/ff24b32a5ebb8dcc1b2dff30d233f8ba8a1d7b7f449470637705b6a516391c88.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9dffe9dbcdf2c1284412af41d54093d885a69802
--- /dev/null
+++ b/chunks/txt/ff24b32a5ebb8dcc1b2dff30d233f8ba8a1d7b7f449470637705b6a516391c88.txt
@@ -0,0 +1,94 @@
+ProjectedPaymentPrincipalAndInterest
+MaximumPaymentAmount
+
+1007.35
+
+…PROJECTED_PAYMENT
+
+5.003
+
+SequenceNumber
+
+5.006
+
+ProjectedPaymentPrincipalAndInterest
+MaximumPaymentAmount
+
+5.047
+
+ProjectedPaymentPrincipalAndInterest
+MinimumPaymentAmount
+
+UCD v2.0 Implementation Guide
+
+2
+
+1452
+
+1007
+
+- 74 -
+
+Because this is an ARM, the payment can change over the life
+of the loan. This data point captures the highest amount the
+principal and interest payment can be during this payment
+period.
+
+Because this is an ARM, the payment can change over the life
+of the loan. This data point captures the lowest amount the
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Table 39. UCD v2.0 Spec Excerpt – Projected Payment Table Period Data Requirements.
+
+UCD UID MISMO v3.3.0 Data Point/Attribute
+
+Delivered Value
+
+Implementation Notes
+
+5.008
+
+5.010
+
+ProjectedPaymentEstimatedEscrowPa
+ymentAmount
+
+ProjectedPaymentEstimatedTotalMaxi
+mumPaymentAmount
+
+356.00
+
+1808
+
+5.048
+
+ProjectedPaymentEstimatedTotalMini
+mumPaymentAmount
+
+1363
+
+5.007
+
+ProjectedPaymentMIPaymentAmount
+
+0.00
+
+principal and interest payment can be during this payment
+period.
+
+The same estimated value for the escrow payment is provided
+in each instance of PROJECTED_PAYMENT.
+
+Because this is an ARM, the payment can change over the life
+of the loan. This data point captures the highest amount the
+principal and interest payment can be during this payment
+period.
+
+Because this is an ARM, the payment can change over the life
+of the loan. This data point captures the lowest amount the
+payment can be during this payment period.
diff --git a/chunks/txt/ff2d7d95c2b2691edaa20457087c81040863cff56f69e0f67748da3e757aaedb.txt b/chunks/txt/ff2d7d95c2b2691edaa20457087c81040863cff56f69e0f67748da3e757aaedb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..18d2726f8975129aa1dc57dd89be88e57ddae7cf
--- /dev/null
+++ b/chunks/txt/ff2d7d95c2b2691edaa20457087c81040863cff56f69e0f67748da3e757aaedb.txt
@@ -0,0 +1,32 @@
+Introduction
+
+This topic contains information on manufactured housing appraisal requirements, including:
+
+• Overview
+• Manufactured Housing Appraiser Qualifications
+• Manufactured Housing Appraisal Requirements and Standards
+• Newly Constructed Manufactured Housing Appraisal Requirements
+• Manufactured Housing Appraisal Site Requirements
+• Manufactured Housing Appraisal Comparable Selection Requirements Excluding MH Advantage
+• MH Advantage Appraisal Comparable Selection Requirements
+• Manufactured Housing Appraisal Cost Approach Requirements
+•
+
+Sources of Manufactured Housing Data
+
+Overview
+
+Fannie Mae requires market-based property valuations for manufactured homes demonstrated by a well-developed sales
+comparison approach to value that is further supported by the cost approach to value.
+
+For manufactured housing property eligibility requirements, including special appraisal requirements for MH Advantage
+properties, see SB2-3-02, Special Property Eligibility and Underwriting Considerations: Factory-Built Housing. For manufactured
+housing loan eligibility and underwriting requirements, see Selling Guide Chapter B5-2, Manufactured Housing.
+
+Manufactured Housing Appraiser Qualifications
+
+The valuation principles for appraising manufactured homes are essentially the same as for other types of residential property;
+however, not all appraisers have the knowledge and experience necessary to understand the unique construction process for
+manufactured homes, nor the manufacturers’, federal, state, and local requirements for both construction and installation. The
+lender must ensure the appraiser is knowledgeable about the local manufactured home market and its unique construction
+process.
diff --git a/chunks/txt/ff2dc70752822cf46d38965eeff10ff1e8192d74b869b8d6dd0d650eccba70a1.txt b/chunks/txt/ff2dc70752822cf46d38965eeff10ff1e8192d74b869b8d6dd0d650eccba70a1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d3c2d3feee46bcce6933d95a52df5f2316505a8c
--- /dev/null
+++ b/chunks/txt/ff2dc70752822cf46d38965eeff10ff1e8192d74b869b8d6dd0d650eccba70a1.txt
@@ -0,0 +1,94 @@
+4000
+
+String
+
+UAD Requirement - Refer to Appendix D Contract Section
+The allowable values are listed below. When representing these values in the XML
+file, they must be shown exactly as they appear below:
+
+Allowable Values PDF Display
+ Comp Grid Page 1
+REOSale REO REO sale
+ShortSale Short Short sale
+CourtOrderedSale CrtOrd Court ordered sale
+EstateSale Estate Estate sale
+RelocationSale Relo Relocation sale
+NonArmsLengthSale NonArm Non-arms length sale
+ArmsLengthSale ArmLth Arms length sale
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+UAD Requirement - Refer to Appendix D Contract Section
+
+Explain the results of the analysis of the contract for sale or why the analysis was not
+performed.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+R
+
+R
+
+R
+
+If field 1-33 (Appraisal Purpose Type =
+'Purchase') is indicated, then one and
+only one of fields 1-42, 1-43 (values of
+Sales Contract Reviewed Indicator)
+must be indicated.
+
+If field 1-33 (Appraisal Purpose Type =
+'Purchase') is indicated, then one and
+only one of fields 1-42, 1-43 (values of
+Sales Contract Reviewed Indicator)
+must be indicated.
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+This field must be populated if field 1-
+33 (Appraisal Purpose Type =
+'Purchase') is indicated.
+
+CR
+
+CR
+
+CR
+
+This field must be populated if field 1-
+33 (Appraisal Purpose Type =
+'Purchase') is indicated.
+
+CR
+
+CR
+
+CR
+
+48
+
+1
+
+45
+
+CONTRACT
+
+Contract Price $
+
+Sales Contract
+Amount
+
+The amount of money the contract is for.
diff --git a/chunks/txt/ff41c710d26cfb5a1cd3c5c14857738f7425aa22e2a0e1f3e072e768d11a21bd.txt b/chunks/txt/ff41c710d26cfb5a1cd3c5c14857738f7425aa22e2a0e1f3e072e768d11a21bd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c76733170dee8d2cf445f9fd716e5892209c97e0
--- /dev/null
+++ b/chunks/txt/ff41c710d26cfb5a1cd3c5c14857738f7425aa22e2a0e1f3e072e768d11a21bd.txt
@@ -0,0 +1,70 @@
+*See field e-16 directly below.
+
+At least one but no more than two values are
+required.
+
+239
+
+2
+
+e-16
+
+SALES
+COMPARISON
+APPROACH
+
+Location
+
+GSE Location Type
+Other Description
+
+Text entry when 'Other' is selected as
+Location Type.
+
+240
+
+2
+
+21
+
+SALES
+COMPARISON
+APPROACH
+
+Leasehold/Fee Simple
+
+Sale Price
+Adjustment
+Description
+
+A free form text field used to further
+describe the property feature which is
+identified by Sales Price Adjustment
+Type. (i.e. Location, Condition, etc.)
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA
+RISON_LOCATION_DETAIL_EXTENSION/COMPARISON_LOCATIO
+N_DETAIL_EXTENSION_SECTION[@ExtensionSectionOrganizationNa
+me='UNIFORM APPRAISAL
+DATASET']/COMPARISON_LOCATION_DETAIL_EXTENSION_SECT
+ION_DATA/COMPARISON_LOCATION_DETAIL/.[@GSELocationType
+='Other']/@GSELocationTypeOtherDescription
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_P
+RICE_ADJUSTMENT[@_Type='PropertyRights']/@_Description
+
+20
+
+String
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+If a location factor not on the list materially affects the value of the property, the
+appraiser must select 'Other' and enter a description of the location associated with
+the property. Free-form descriptions should be entered carefully because data will be
+truncated on the appraisal report form if it exceeds available space for that field.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
diff --git a/chunks/txt/ff49d7525e65d720a0687517d6654c3611466d0bec7112c9f6320915524f1f6b.txt b/chunks/txt/ff49d7525e65d720a0687517d6654c3611466d0bec7112c9f6320915524f1f6b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..330be3ccbeb75e491b93b2adcce33ea16277720a
--- /dev/null
+++ b/chunks/txt/ff49d7525e65d720a0687517d6654c3611466d0bec7112c9f6320915524f1f6b.txt
@@ -0,0 +1,22 @@
+3. Index – The index used for determining each interest rate adjustment.
+
+ 30-Day Average SOFR: The 30-day average yield of the cost of borrowing cash overnight collateralized by the U.S. Treasury securities in the
+repurchase agreement (repo) market as published by the Federal Reserve Bank of New York. [Index Code 96]
+
+4. ARM Plan Initial Fixed-Rate Interest Period/Subsequent Interest Rate Adjustment – This column indicates an initial fixed period during which the interest
+
+rate will not change, after which the interest will adjust with a specified frequency.
+
+ The range of applicable initial fixed-rate interest period is described in the “Initial FR Int Per” portion of the column “ARM Plan Initial FR Int Per/Subseq IR
+Adj (in mos) as of Issue Date.” This range applies only to the initial fixed-rate period that is permitted in an MBS pool, as of the Issue Date of the pool.The
+initial fixed-rate interest period in years must comply with the ARM Type in column 5 of this Matrix. For example, a 5-year ARM must have an initial fixed
+period of 60 months.
+
+ Following the initial fixed-rate interest period, the interest rate of each ARM is subject to adjustment with the frequency stated in the category “Subseq IR
+
+Adj” portion of the column “ARM Plan Initial FR Int Per/Subseq IR Adj (in mos) as of Issue Date.”
+ The interest rate adjustment frequency is the number of months between interest rate changes.
+
+5. ARM Type – Describes the period between interest rate adjustments (changes). For example, 3/6 mos describes a loan with an initial fixed rate for 3 years
+
+and subsequent rate changes every 6 months thereafter.
diff --git a/chunks/txt/ff4b70629ac9c6c66619bcf9e6faf4e505aa8c16c81483895d92f2f82bca06c3.txt b/chunks/txt/ff4b70629ac9c6c66619bcf9e6faf4e505aa8c16c81483895d92f2f82bca06c3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..35cf7a5e8efcd0c4c5fc56e7c457cd116ca3a49c
--- /dev/null
+++ b/chunks/txt/ff4b70629ac9c6c66619bcf9e6faf4e505aa8c16c81483895d92f2f82bca06c3.txt
@@ -0,0 +1,35 @@
+[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
+
+![3D line graph](/sites/default/files/styles/desktop_hero/public/2025-03/hpi-hero-banner.jpg.webp?itok=Yp5mN6Bh)
+
+# FHFA House Price Index®
+
+The FHFA HPI® is a comprehensive​ collection of publicly available house price indexes that measure changes in single-family home values based on data that extend back to the mid-1970s from all 50 states and over 400 American cities.
diff --git a/chunks/txt/ff4ec9a8d17bfcd7a3184b5ad46f4dd346402746fd3faa3eb07035aaef0fe174.txt b/chunks/txt/ff4ec9a8d17bfcd7a3184b5ad46f4dd346402746fd3faa3eb07035aaef0fe174.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e759e8a6b4fbe586b2b8386a60a4c1b9cc9c9157
--- /dev/null
+++ b/chunks/txt/ff4ec9a8d17bfcd7a3184b5ad46f4dd346402746fd3faa3eb07035aaef0fe174.txt
@@ -0,0 +1,51 @@
+Commentary on Remaining Economic Life
+
+Commentary on Effective Age
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:21)(cid:20)
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:21)
+
+(cid:21)
+
+Depreciated Cost - Outbuilding - [Outbuilding Type]
+
+(cid:21)(cid:24)(cid:17)(cid:19) (cid:22)(cid:21)
+
+(cid:21)(cid:24)(cid:17)(cid:19) (cid:23)(cid:21)
+
+Physical Depreciation
+
+Functional Depreciation
+
+External Depreciation
+
+Total Depreciation
+
+Manufactured Home Delivery,
+Installation, and Set Up
+
+As Is Value of Site Improvements
+
+Description
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:22)(cid:26)
+
+Site Value
+
+(cid:21)(cid:24)(cid:17)(cid:19) (cid:24)(cid:21)
+
+@
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:21)(cid:25)
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:21)(cid:27)
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:22)(cid:19)
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:22)
+
+(cid:21)
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:21)(cid:26)
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:21)(cid:28)
diff --git a/chunks/txt/ff741d3807e961ccba5f495eedf0b7e22556dbccf420bf7c32f9e41a800e7d96.txt b/chunks/txt/ff741d3807e961ccba5f495eedf0b7e22556dbccf420bf7c32f9e41a800e7d96.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8af21103f4936416c6470db9b2f5ee2806e747d5
--- /dev/null
+++ b/chunks/txt/ff741d3807e961ccba5f495eedf0b7e22556dbccf420bf7c32f9e41a800e7d96.txt
@@ -0,0 +1,73 @@
+</CLOSING_COST_FUND>
+ </CLOSING_COST_FUNDS>
+
+</CLOSING_INFORMATION>
+
+…
+</MESSAGE>
+
+2. GENERAL CLOSING DATA
+
+The data points in the CLOSING_INFORMATION_DETAIL container populate two sections of the CD. One data point,
+CurrentRateSetDate, is GSE-specific so is not rendered on the form.
+
+Table 26. XML File Container Supporting General Closing Cost Data.
+
+UCD UIDs
+
+Containers
+
+UCD Usage Notes
+
+999.102
+
+CLOSING_INFORMATION_DETAIL
+
+Information about the actual closing and the borrowers’ cash to close.
+
+a. Total Cash to or from Borrower
+
+The first data points in the container are the total cash to close either from or to the borrower. The data points are
+
+rendered on two separate locations on the CD when the Model form is used.
+
+Figure 33. Rendering Total Cash to Close Data on the CD.
+
+Costs at Closing
+
+6.0
+
+Summaries of Transactions
+
+(Model Form only)
+
+6.2 Cash to Close
+
+6.2.1 $25,332.30
+
+13.3 Cash to Close From To Borrower
+
+13.3.1 $25,332.30
+
+BORROWER’S TRANSACTION (11.0 – 13.0)
+
+13.0 CALCULATION
+
+For Cash
+
+to Close on
+
+the Summaries of Transactions,
+
+for
+IntegratedDisclosureSectionType = “DueFromBorrowerAtClosing” is greater than IntegrationDisclosureSectionTotalAmount
+for IntegratedDisclosureSectionType = “PaidAlreadyByOrOnBehalfOfBorrowerAtClosing”, the resulting amount is positive, so
+cash is due from the borrower and the amount is provided in CashFromBorrowerAtClosingAmount. When the result is
+negative, the amount is provided in CashToBorrowerAtClosingAmount. Only one of these data points can be present in the
+XML file.
+
+IntegrationDisclosureSectionTotalAmount
+
+if
+
+UCD v2.0 Implementation Guide
diff --git a/chunks/txt/ff79c2d86dce5e5d3cd73be26be0bbd1951ecdeb649df68d38d9a9be0633b337.txt b/chunks/txt/ff79c2d86dce5e5d3cd73be26be0bbd1951ecdeb649df68d38d9a9be0633b337.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9059ca58a04be37dbdfe621a450852770a23ee5a
--- /dev/null
+++ b/chunks/txt/ff79c2d86dce5e5d3cd73be26be0bbd1951ecdeb649df68d38d9a9be0633b337.txt
@@ -0,0 +1,96 @@
+Choose an
+allowable answer
+from table (Below
+Grade Exterior
+Access)
+
+Below Grade Access: The entrances and exits to a below grade or partially
+below grade level.
+•
+•
+•
+
+Interior and Exterior Access
+Interior Access Only
+Exterior Access Only
+
+Cellar Door
+
+Below Grade Exterior Access: The primary type of exterior access for any below
+grade or partially below grade level.
+•
+• Walk Out
+• Walk Up
+•
+
+Other (Describe)
+
+Appendix F-1: URAR Reference Guide
+
+Page 132 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+10 Unit Interior
+
+Report
+Field ID
+
+10.031
+10.032
+
+Report Label
+
+When to Include
+
+Finish
+(Finished)
+Area
+
+Required for each
+above grade level in
+the unit
+
+Unit Interior: Level and Room Detail
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Number of square
+feet
+
+Finished Area of Level: The total finished area of the level, including standard
+and nonstandard finished area.
+
+Note: Nonstandard and standard finished areas are only combined in the Level
+and Room Detail table. They are reported separately in Area Breakdown
+(10.003-10.008) and in the Sales Comparison Approach.
+
+Reference published guidelines by the GSEs, government agencies, or other
+identified secondary market participants for specific guidance.
+
+10.031
+10.032
+
+Finish
+(Unfinished)
+Area
+
+Required for each level
+in the unit
+
+Number of square
+feet
+
+Unfinished Area of Level: Area of the level that is not finished area.
+Notes:
+•
+
+A photo of the unfinished area may be provided, which displays in Unit
+Interior Exhibits. An additional caption must be provided indicating
+“Unfinished Area”, and any other descriptive information as appropriate.
+If Unfinished Area of Level is 0, the “Unfinished” row does not display.
diff --git a/chunks/txt/ffab8f82bc6f0d86089005bfc48f258f0e252069db0acc2b03c4b2f4ea883f24.txt b/chunks/txt/ffab8f82bc6f0d86089005bfc48f258f0e252069db0acc2b03c4b2f4ea883f24.txt
new file mode 100644
index 0000000000000000000000000000000000000000..146c67e19661daa0bb48fbb2d3c08046372c6894
--- /dev/null
+++ b/chunks/txt/ffab8f82bc6f0d86089005bfc48f258f0e252069db0acc2b03c4b2f4ea883f24.txt
@@ -0,0 +1,41 @@
+• Any costs associated with the removal of the traded home or any outstanding indebtedness secured by liens on the
+
+home must be deducted from the maximum equity contribution.
+
+Traded Manufactured Homes
+
+For traded manufactured homes, Fannie Mae requires a lien search in the appropriate real property and personal property
+records to verify ownership and to determine whether there are any existing liens on the manufactured home and land, or on
+the home and the land if they are encumbered by separate liens. The seller of the new manufactured home must provide
+proof of title transfer and satisfaction of any existing liens on the traded manufactured home.
+
+Purchase Money Transactions
+
+Purchase money transactions are those in which the mortgage proceeds are used to finance the purchase of the
+manufactured home or the manufactured home and the land. The land may be previously owned by the borrower, either free
+of any mortgage or subject to a mortgage that will be paid off with the proceeds of the new purchase money mortgage.
+
+Note: The borrower does not receive any cash back with a purchase money transaction.
+
+New Manufactured Homes
+
+The LTV ratio (and CLTV/HCLTV ratio, if applicable) for a loan secured by a newly built manufactured home that is being
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 154 of 166
+
+UAD 3.6 Policy
+
+attached to a permanent foundation system in connection with a purchase transaction will be based on the lower of:
+
+•
+
+the sales price of the manufactured home plus:
+
+o
+
+o
+
+the lowest sales price at which the land was sold during that 12 month period if the land was purchased in the
+12 months preceding the loan application date; or
diff --git a/chunks/txt/ffaf54e0320c6169c82b2ac7deec4d55977a8bdd3779e6a5f15bee48432abe08.txt b/chunks/txt/ffaf54e0320c6169c82b2ac7deec4d55977a8bdd3779e6a5f15bee48432abe08.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3cb3902add9e14f05c0faed342c5ff73cfa86967
--- /dev/null
+++ b/chunks/txt/ffaf54e0320c6169c82b2ac7deec4d55977a8bdd3779e6a5f15bee48432abe08.txt
@@ -0,0 +1,125 @@
+Unique ID MISMO Data Point Name
+
+Display Rules
+
+6.000
+
+Known Renewable Energy Components
+
+2600.0005
+
+RenewableEnergyComponentExistsIndicator
+
+• When “true”, do not display the report label, display table.
+• When “false” AND (“GreenCertificationExistsIndicator”
+
+AND/OR ”EfficiencyRatingExistsIndicator” = “true”), display
+None.
+
+• When “false” AND (”GreenCertificationExistsIndicator” AND
+”EfficiencyRatingExistsIndicator” = “false”), Energy Efficient
+and Green Features section does not display.
+
+6.001
+
+Renewable Energy Component
+
+2600.0019
+
+RenewableEnergyComponentType
+
+6.002
+
+Ownership
+
+2600.0017
+
+RenewableEnergyComponentOwnershipType
+
+6.003
+
+Financing Arrangement
+
+2600.0016
+
+RenewableEnergyComponentFinancedIndicator
+
+Display when RenewableEnergyComponentExistsIndicator
+= “true”
+
+Display when RenewableEnergyComponentExistsIndicator
+= “true” AND Exists
+
+Display when RenewableEnergyComponentOwnershipType
+= "Owned"
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Report
+Field ID
+
+Report Label
+
+Energy Efficient and Green Features: General Information
+
+Unique ID MISMO Data Point Name
+
+Display Rules
+
+Page 146
+
+6.004
+
+Known Building Certifications
+
+2600.0004
+
+GreenCertificationExistsIndicator
+
+6.005
+
+Building Certification Organization
+
+2600.0006
+
+GreenCertificationAssociationName
+
+6.006
+
+Certification
+
+2600.0009
+
+GreenCertificationName
+
+6.007
+
+Year
+
+6.008
+
+Version
+
+6.009
+
+Rating
+
+2600.0007
+
+GreenCertificationLevelAwardedYear
+
+2600.0010
+
+GreenCertificationVersionIdentifier
+
+2600.0008
+
+GreenCertificationLevelName
+
+6.010
+
+Known Efficiency Ratings
+
+2600.0003
+
+EfficiencyRatingExistsIndicator
diff --git a/chunks/txt/ffb2477eb3f96e82776a6562c356d0d126d62ae650a2a45353a899e0500da37e.txt b/chunks/txt/ffb2477eb3f96e82776a6562c356d0d126d62ae650a2a45353a899e0500da37e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a4835321e9739a914e23c1cddf3cf29cd7f2c55c
--- /dev/null
+++ b/chunks/txt/ffb2477eb3f96e82776a6562c356d0d126d62ae650a2a45353a899e0500da37e.txt
@@ -0,0 +1 @@
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/711","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();
diff --git a/chunks/txt/ffb56c5b911012736e5813a74cb41b86bdc5c8110185ae1172d462411d7df57b.txt b/chunks/txt/ffb56c5b911012736e5813a74cb41b86bdc5c8110185ae1172d462411d7df57b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fb166930c13d52a2cf5b78dd718b7189e83f7b9d
--- /dev/null
+++ b/chunks/txt/ffb56c5b911012736e5813a74cb41b86bdc5c8110185ae1172d462411d7df57b.txt
@@ -0,0 +1,67 @@
+1=American Indian or Alaska Native; 2=Asian; 3=Black
+or African American; 4=Native Hawaiian or other
+Pacific Islander; 5=White; 6=Information not provided;
+7=Not Applicable (borrower is an institution,
+corporation or partnership); 8=No Co-Borrower
+
+1=American Indian or Alaska Native; 2=Asian; 3=Black
+or African American; 4=Native Hawaiian or other
+Pacific Islander; 5=White; 6=Information not provided;
+7=Not Applicable (borrower is an institution,
+corporation or partnership); 8=No Co-Borrower
+
+1=American Indian or Alaska Native; 2=Asian; 3=Black
+or African American; 4=Native Hawaiian or other
+Pacific Islander; 5=White; 6=Information not provided;
+7=Not Applicable (borrower is an institution,
+corporation or partnership); 8=No Co-Borrower
+
+1=HOEPA: High-Cost Mortgage; 2=HOEPA: Not a High-
+Cost Mortgage; 3=Not subject to HOEPA
+1=Secured by first lien; 2=Secured by a subordinate
+lien; 3=Not secured by a lien; 4=Not Applicable
+
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+N/A
+
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+Removed For 2019 Data and Later
+
+Coop
+FeatureID
+FedInsbltyPlan
+Geog
+GSEREO
+IncRat
+Rent1
+Rent2
+Rent3
+Rent4
+RentUT1
+RentUT2
+RentUT3
+RentUT4
+SpcHSGGoals
+TractRat
diff --git a/chunks/txt/ffb63e1dc505acce84a2dbe7324ece4ea04b7175bdc98ec31668c9706d9b1d6f.txt b/chunks/txt/ffb63e1dc505acce84a2dbe7324ece4ea04b7175bdc98ec31668c9706d9b1d6f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8e0ede3ee4468dce9a274cc0ade672c837006716
--- /dev/null
+++ b/chunks/txt/ffb63e1dc505acce84a2dbe7324ece4ea04b7175bdc98ec31668c9706d9b1d6f.txt
@@ -0,0 +1,31 @@
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
+
+## Footer
+
+- [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
+
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/651","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();
diff --git a/chunks/txt/ffd26cda9940e9aa6a57a3ce02533f51658538abadd15005d24610aafb698b4a.txt b/chunks/txt/ffd26cda9940e9aa6a57a3ce02533f51658538abadd15005d24610aafb698b4a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..62b9e8df9bcb73f1c760ef0b46a0f980ecdcad22
--- /dev/null
+++ b/chunks/txt/ffd26cda9940e9aa6a57a3ce02533f51658538abadd15005d24610aafb698b4a.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/data/fair-lending"
+date_accessed: "2026-01-27T17:54:20.633Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/ffdb245be4dee6f053d0d73d6a740c77bf80984f2ab46fd5f5af3056751da02a.txt b/chunks/txt/ffdb245be4dee6f053d0d73d6a740c77bf80984f2ab46fd5f5af3056751da02a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ec112b3ba2eddbd7301a8d34c385ff5eb22f03bd
--- /dev/null
+++ b/chunks/txt/ffdb245be4dee6f053d0d73d6a740c77bf80984f2ab46fd5f5af3056751da02a.txt
@@ -0,0 +1,51 @@
+Note: Refer to the Appendix for the updated appraisal messages.
+
+Release Support
+
+The changes in the DU V. 12.0 November Update will be implemented in the DU integration environment on or around Oct. 15,
+2025.
+
+As required by the Integration Agreement, integrated vendors’ systems must be able to support any changes to Fannie Mae
+services, including DU, no later than 120 days after the date the related specifications are made available. If your product or
+interface is unable to support the release in accordance with this timeline, please notify your Fannie Mae representative.
+
+If you have questions about the integration impact or if you require support specific to this release, contact your Technology
+Integration Analyst or Integration Support. For more information about DU, visit the DU page or contact your Fannie Mae
+representative.
+
+© 2025 Fannie Mae 9.24.25 1 of 3
+
+Appendix
+
+Msg
+ID
+
+Current Message Text
+
+New Message Text
+
+1404 An appraisal based on an interior and exterior
+property inspection reported on Form 1025 is
+required for this transaction.
+
+1990 An appraisal based on an interior and exterior
+property inspection reported on Form 1004C is
+required for this transaction.
+
+2125 This transaction requires a traditional appraisal
+
+that must be provided on the Uniform Residential
+Appraisal Report (Fannie Mae Form 1004 March
+2005). The loan casefile may also be eligible for
+other property assessment and valuation options.
+All eligible options will be displayed in the Property
+and Appraisal Information section.
+
+2129 This transaction requires a traditional appraisal
+
+that must be provided on the Uniform Residential
+Appraisal Report (Fannie Mae Form 1004 March
+2005). The loan casefile may also be eligible for
+other property assessment and valuation options.
+All eligible options will be displayed in the Property
+and Appraisal Information section.
diff --git a/chunks/txt/ffdb77806f5350f46651f17aa4dbe709fd1ea86e81a263d38ce75058b3d7d257.txt b/chunks/txt/ffdb77806f5350f46651f17aa4dbe709fd1ea86e81a263d38ce75058b3d7d257.txt
new file mode 100644
index 0000000000000000000000000000000000000000..abec69425f94df4bbac5ebc904f4d9d5e23f920d
--- /dev/null
+++ b/chunks/txt/ffdb77806f5350f46651f17aa4dbe709fd1ea86e81a263d38ce75058b3d7d257.txt
@@ -0,0 +1,27 @@
+FHFA uses a "soup-to-nuts" approach to acquisition.
+
+A contracting officer maintains control and responsibility from identification of the need through contract administration and closeout.
+
+The basic phases of the contracting process include:
+
+- ***Presolicitation***—Identifying the requirement, performing market research, preparing the statement of work and solicitation.
+- ***Solicitation***—Identifying prospective offerors, issuing the solicitation, and receiving proposals or quotes.
+- ***Evaluation***—Evaluating the responsive technical and price proposals or quotes submitted by offerors or vendors.
+- ***Award***—Making the best value decision for the award, obtaining approvals, and executing the contract with the successful offeror. This stage also includes notifying the unsuccessful offerors and conducting debriefings, as appropriate.
+## Contract Administration
+
+FHFA's administration of the contract follows for the life of the contract and includes:
+
+- performance monitoring
+- executing modifications
+- handling claims
+- inspection and acceptance of the goods or services
+- invoice processing and payment
+- closeout
+## Contractors and Subcontractors
+
+Eligible firms interested in providing goods or services to FHFA may respond to our solicitations. Your goal should be to offer the best possible technical and price solution for our requirement.
+
+This includes forming the most attractive team to perform under the contract. In cases where a firm may need to supplement its technical expertise, subcontracting or teaming arrangements may be the solution.
+
+## Acquisition Thresholds
diff --git a/chunks/txt/ffe2bb7297e7023ed9279ec4699b05b2910263ae486117ca186cffc2b8a84655.txt b/chunks/txt/ffe2bb7297e7023ed9279ec4699b05b2910263ae486117ca186cffc2b8a84655.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8277527c13424b23266aa2530049b9ea6a71ca5b
--- /dev/null
+++ b/chunks/txt/ffe2bb7297e7023ed9279ec4699b05b2910263ae486117ca186cffc2b8a84655.txt
@@ -0,0 +1,82 @@
+8. 1 TAXES AND OTHER GOVE RNMENT FEES
+
+This category includes any Recording Fees assessed by a government authority to record and index documents
+related to property transfers under State or local law. Recording fees are assessed based on the type of
+document to be recorded or its physical characteristics, such as the number of pages. Unlike transfer taxes,
+recording fees are not based on the sale price of the property or loan amount.
+
+Appendix E: UCD Implementation Guide
+
+Page 126 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+8.0 Other Costs Table
+
+Also disclosed are Transfer Taxes--State and local government fees on mortgages and home sales that are based
+on the loan amount or sales price.
+
+Borrower-Paid
+
+Seller-Paid
+
+At Closing
+
+Before Closing
+
+At Closing
+
+Before Closing
+
+Paid by
+Others
+
+Other Costs
+
+8.0
+
+8.1 E. Taxes and Other Government Fees
+
+018.2 Recording Fees 8.2 Deed: 8.2.1 $40.00 8.2 Mortgage:
+
+8.2.1 $45.00
+
+028.3 Transfer taxes to 8.3.1 State of Maryland
+
+038.3 Transfer taxes to 8.3.1 Montgomery County
+
+8.2.2
+
+8.3.2
+
+8.1.1 $985.00
+$85.00 8.2.3
+
+8.2.4
+
+8.2.5
+
+8.2.6
+
+8.3.3
+
+8.3.4
+
+$950.00 8.3.5
+
+8.3.6
+
+$900.00
+
+Figure 81. Taxes and Other Government Fees
+
+Except for Recording Fees for Deed and Mortgage, which are described below, all transfer taxes and other
+government fee line items are disclosed according to the following pattern.
+
+1.
+
+Identify the tax or government fee (8.3). Use a separate line item for taxes paid separately to different
+jurisdictions. Implementers must label the cost using clear and conspicuous terminology describing the
+service or function paid for.
diff --git a/chunks/txt/ffe3dabbff91ff10bfffb2bf0839cf20f0bb436ab073f584c2eb3049a355737d.txt b/chunks/txt/ffe3dabbff91ff10bfffb2bf0839cf20f0bb436ab073f584c2eb3049a355737d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ad56e9b8dd1f0c8283cea89bf9d990d6a6798876
--- /dev/null
+++ b/chunks/txt/ffe3dabbff91ff10bfffb2bf0839cf20f0bb436ab073f584c2eb3049a355737d.txt
@@ -0,0 +1,50 @@
+Dwelling(s) is the third of six subsections that has adjustments at the row level.
+
+Page 285
+
+There are 16 defined rows in this subsection.
+
+➢
+➢
+➢
+➢
+
+3 rows are required (Always)
+1 row is conditionally required (If Applicable)
+12 rows may be provided (If Relevant)
+Additional rows may be added to this section
+
+If there are multiple dwellings, information is either:
+
+• Listed separately for each dwelling in one row. Example: If there are two dwellings, the Year Built and Dwelling Style rows reflect the
+answers for all dwellings. (Figure 22-11, showing Year Built, where the vendor has included the subject property information for all
+dwellings).
+
+• Combined for all dwellings in one row. Example: The Gross Building Finished Area and Noncontinuous Finished Area rows reflect the
+
+total area across all dwellings. These are both reflected as “Sales Grid Only” in the “Supplement - Approaches to Value Grids”
+spreadsheet.
+
+o TotalFinishedAreaOfAllLivingUnitsIncludingADUAreaMeasure (UID:1800.0184, FID: 22.05.04), which must be directly input for
+
+the subject property if the row is included (Figure 22-11).
+
+Figure 22 - 11
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Energy Efficient and Green Features
+
+The Energy Efficient and Green Features subsection displays only when relevant to the analysis.
+
+Energy Efficient and Green Features is the third of four subsections that has an overall adjustment at the section header level.
+
+Page 286
+
+There are 3 defined rows in this subsection.
+
+➢ No rows are required (Always)
+➢ No rows are conditionally required (If Applicable)
+➢
+
+3 rows may be provided (If Relevant)
diff --git a/chunks/txt/ffedf2bcd7153e4ff081b02ae84e545c3a9234c4daa3a2399eb5d6bc9baf6794.txt b/chunks/txt/ffedf2bcd7153e4ff081b02ae84e545c3a9234c4daa3a2399eb5d6bc9baf6794.txt
new file mode 100644
index 0000000000000000000000000000000000000000..275d2ac41b2b40546032b7f0062fcd64bfe3422d
--- /dev/null
+++ b/chunks/txt/ffedf2bcd7153e4ff081b02ae84e545c3a9234c4daa3a2399eb5d6bc9baf6794.txt
@@ -0,0 +1,54 @@
+Multifamily Affordable Units:
+
+Multifamily Affordable Units is a new
+HMDA data element that indicates the
+exact number of individual dwelling
+units related to the property that are
+income-restricted under federal, state, or
+local affordable housing programs.137
+The Enterprises indicated that they
+collect this data. Multifamily Affordable
+Units will be disclosed as a percentage
+of total units in the PUDB Multifamily
+Census Tract File, in conformance with
+the CFPB Privacy Guidance.138
+
+Loan Amount (Note Amount): Loan
+
+Amount is a modified HMDA data
+element that identifies the Note Amount
+and the UPB at the time of purchase
+(discussed below in Section II.C.2.i.).
+The Enterprises collect both data
+element values. The current PUDB
+Multifamily Census Tract File does not
+include Note Amount. A new data
+element for Note Amount that will
+identify the amount to be repaid as
+disclosed on the legal obligation will be
+added to the PUDB Multifamily Census
+Tract File. Note Amount will be
+disclosed as the midpoint of the $10,000
+interval in which the actual amount
+falls, in conformance with the CFPB
+Privacy Guidance.139
+
+Loan Purpose (Cash-Out Refinancing):
+Loan Purpose is a modified HMDA data
+element that indicates whether the loan
+was for Purchase, Refinancing, Home
+Improvement, Cash-Out Refinancing, or
+Other. The Regulation C amendments
+added the values for Cash-Out
+Refinancing 140 and Other. (The other
+Loan Purpose values are discussed
+separately below in Section II.C.2.ii.).
+Fannie Mae indicated that it collects
+Cash-Out Refinancing for multifamily
+loans, but Freddie Mac indicated that it
+does not. Cash-Out Refinancing will be
+added without modification to the
+PUDB Multifamily Census Tract File as
+a value for Loan Purpose, in
+conformance with the CFPB Privacy
+Guidance.141
diff --git a/chunks/txt/ffee6288eded49977741edd6d3e81ba009e53d77ea4d8bf67345250e8da69c47.txt b/chunks/txt/ffee6288eded49977741edd6d3e81ba009e53d77ea4d8bf67345250e8da69c47.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4bc497f34de38466a70d372676e9a3e026584e6e
--- /dev/null
+++ b/chunks/txt/ffee6288eded49977741edd6d3e81ba009e53d77ea4d8bf67345250e8da69c47.txt
@@ -0,0 +1 @@
+[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/181&order=field_release_date&sort=asc) Report Attachment June 13, 2025 [Annual Report to Congress - 2024](/reports/annual-report-to-congress/2024) [Read Report](/document/fhfa-2024-annual-report-to-congress.pdf) June 14, 2024 [Annual Report to Congress - 2023](/reports/annual-report-to-congress/2023) [Read Report](/document/fhfa-2023-annual-report-to-congress) June 15, 2023 [Annual Report to Congress - 2022](/reports/annual-report-to-congress/2022) [Read Report](/AboutUs/Reports/ReportDocuments/FHFA-2022-Annual-Report-to-Congress.pdf) June 15, 2022 [Annual Report to Congress - 2021](/reports/annual-report-to-congress/2021) [Read Report](/document/fhfa-2021-annual-report-to-congress) June 15, 2021 [Annual Report to Congress - 2020](/reports/annual-report-to-congress/2020) [Read Report](/document/fhfa-2020-report-to-congress) June 15, 2020 [Annual Report to Congress - 2019](/reports/annual-report-to-congress/2019) [Read Report](/document/fhfa-2019-report-to-congress) June 12, 2019 [Annual Report to Congress - 2018](/reports/annual-report-to-congress/2018) [Read Report](/document/2018-annual-report-to-congress) May 23, 2018 [Annual Report to Congress - 2017](/reports/annual-report-to-congress/2017) [Read Report](/document/2017-annual-report-to-congress) June 15, 2017 [Annual Report to Congress - 2016](/reports/annual-report-to-congress/2016) [Read Report](/document/fhfa-2016-report-to-congress) June 15, 2016 [Annual Report to Congress - 2015](/reports/annual-report-to-congress/2015) [Read Report](/document/annual-report-to-congress-2015) June 15, 2015 [Annual Report to Congress - 2014](/reports/annual-report-to-congress/2014) [Read Report](/document/fhfa-2014-report-to-congress) June 13, 2014 [Annual Report to Congress - 2013](/reports/annual-report-to-congress/2013) [Read Report](/document/fhfa_2013_report_to_congress) June 13, 2013 [Annual Report to Congress - 2012](/reports/annual-report-to-congress/2012) [Read Report](/document/annual-report-to-congress-2012) June 13, 2012 [Annual Report to Congress - 2011](/reports/annual-report-to-congress/2011) [Read Report](/document/annual-report-to-congress-2011) June 13, 2011 [Annual Report to Congress - 2010](/reports/annual-report-to-congress/2010) [Read Report](/document/annual-report-to-congress-2010) May 25, 2010 [Annual Report to Congress - 2009](/reports/annual-report-to-congress/2009) [Read Report](/document/annual-report-to-congress-2009) May 18, 2009 [Annual Report to Congress (Revised) - 2008](/reports/annual-report-to-congress/2008-revised) [Read Report](/document/annual-report-to-congress-2008) April 15, 2008 [Annual Report to Congress - 2008](/reports/annual-report-to-congress/2008) [Read Report](/document/ofheo-report-to-congress-2008) June 15, 2007 [Annual Report to Congress - 2007](/reports/annual-report-to-congress/2007) [Read Report](/document/ofheo-report-to-congress-2007) June 15, 2006 [Annual Report to Congress - 2006](/reports/annual-report-to-congress/2006) [Read Report](/document/ofheo-report-to-congress-2006) June 15, 2005 [Annual Report to Congress - 2005](/reports/annual-report-to-congress/2005) [Read Report](/media/25001) June 15, 2004 [Annual Report to Congress - 2004](/reports/annual-report-to-congress/2004) [Read Report](/document/ofheo-report-to-congress-2004) June 15, 2003 [Annual Report to Congress - 2003](/reports/annual-report-to-congress/2003) [Read Report](/document/ofheo-report-to-congress-2003) June 15, 2002 [Annual Report to Congress - 2002](/reports/annual-report-to-congress/2002) [Read Report](/document/ofheo-report-to-congress-2002) June 14, 2002 [Annual Report to Congress - 2001](/reports/annual-report-to-congress/2001) [Read Report](/document/ofheo-2001-report-to-congress)
diff --git a/chunks/txt/fffe2f266adfedf8475376e11180c8b86b4e200a5e653bdc95f7ac33e54125f4.txt b/chunks/txt/fffe2f266adfedf8475376e11180c8b86b4e200a5e653bdc95f7ac33e54125f4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3677a4e908d7f51b3f6023c195db48a93826262f
--- /dev/null
+++ b/chunks/txt/fffe2f266adfedf8475376e11180c8b86b4e200a5e653bdc95f7ac33e54125f4.txt
@@ -0,0 +1,163 @@
+Floors 159
+Walls 160
+Trim/Finish 161
+Bath Floor 162
+Bath Wainscot 163
+Car Storage
+ Driveway # of Cars 197
+ 196
+
+None
+ 195
+
+Describe the condition of the property (including needed repairs, deterioration, renovations, remodeling, etc.). e-9; e-10; e-11; e-12; e-13; 219
+
+Are there any physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property? Yes No If Yes, describe 222
+
+220
+
+221
+
+Does the property generally conform to the neighborhood (functional utility, style, condition, use, construction, etc.)? Yes No If No, describe 225
+
+223
+
+224
+
+Freddie Mac Form 70 March 2005 226
+
+Page 1 of 6
+
+Fannie Mae Form 1004 March 2005
+
+2 Uniform Residential Appraisal Report
+
+File # 3
+
+4 4a
+
+There are 5 comparable properties currently offered for sale in the subject neighborhood ranging in price from $ 6 to $ 7
+There are 8 comparable sales in the subject neighborhood within the past twelve months ranging in sale price from $ 9 to $ 10
+
++(-) $ Adjustment
+
+FEATURE
+
+SUBJECT
+
+COMPARABLE SALE # 1
+45
+46a 46b 46c
+
+COMPARABLE SALE # 2
+45
+46a 46b 46c
+
+47
+
+51
+
+24
+
+47
+
+21
+
+22
+
+60
+
+62
+
+51
+
+57
+
+59
+
+53
+55
+
+$ 13
+
+$ 48
+
+$ 48
+
+e-25; e-2
+
+e-25; e-2
+
+e-5; e-6; e-7
+
+e-5; e-6; e-7
+
+61 60
+
+63 62
+
+DESCRIPTION
+
+DESCRIPTION
+
+DESCRIPTION
+
+e-14; e-15; e-16
+
+e-29; e-30; e-31
+
+e-29; e-30; e-31
+
+e-14; e-15; e-16
+
+e-14; e-15; e-16
+
++(-) $ Adjustment
+
+$ 49 sq. ft.
+
+$ 49 sq. ft.
+
+52
+e-26; e-27; e-28
+
+52
+e-26; e-27; e-28
+
+Address 11
+ 12a 12b 12c
+Proximity to Subject
+Sale Price
+Sale Price/Gross Liv. Area $ 14 sq. ft.
+Data Source(s)
+Verification Source(s)
+VALUE ADJUSTMENTS
+Sale or Financing
+Concessions
+Date of Sale/Time
+Location
+Leasehold/Fee Simple
+Site
+View
+Design (Style)
+Quality of Construction
+Actual Age
+Condition
+Above Grade
+Room Count
+Gross Living Area
+Basement & Finished
+Rooms Below Grade
+Functional Utility
+Heating/Cooling
+Energy Efficient Items
+Garage/Carport
+Porch/Patio/Deck
+39
+41
+43
+Net Adjustment (Total)
+Adjusted Sale Price
+of Comparables
+I did did not research the sale or transfer history of the subject property and comparable sales. If not, explain 107
+ 105
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