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chunks/json/15d8173f8e250354d188ec615367c806cc5d1f8060751f0a8ae91c8d5805b214.json

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+{"chunk":{"char_end":1744,"char_start":0,"chunk_id":"chk_2066bea67752d2ad","chunk_index":0,"chunk_sha256":"15d8173f8e250354d188ec615367c806cc5d1f8060751f0a8ae91c8d5805b214","date_utc":"2026-01-27T17:54:24+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_68f7e0f7e2a01fb5","text_sha256":"15d8173f8e250354d188ec615367c806cc5d1f8060751f0a8ae91c8d5805b214","token_estimate":533,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Dodd_Frank_Act_Stress_Tests__DFAST____FHFA_v902m.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/supervision/dodd-frank-act-stress-tests\"\ndate_accessed: \"2026-01-27T17:54:20.350Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}

chunks/json/15f052b7b57215e8c8375d489390ecc5652611ce53d9598d82990591bf2d998f.json

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+{"chunk":{"char_end":290789,"char_start":289184,"chunk_id":"chk_b0eb35f662ab9aba","chunk_index":171,"chunk_sha256":"15f052b7b57215e8c8375d489390ecc5652611ce53d9598d82990591bf2d998f","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"15f052b7b57215e8c8375d489390ecc5652611ce53d9598d82990591bf2d998f","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Manufactured Home Exhibits\n\nAll photos or images related to the Manufactured Home section are displayed in the Manufactured Home\nExhibits subsection. If there are no photos or images, this subsection does not display.\n\nManufactured Home – Dwellings - Exhibits\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nSee\niGuide\n\nManufactured\nHome Exhibits\n\nIf applicable\n\nPhotos or images\n\nDefinition / Additional Guidance\n\nPhotos or images relevant to the Manufactured Home section may be\nprovided, which display in Manufactured Home Exhibits. If the photo is not\nspecifically indicated, provide a caption to further identify the photo.\n\nManufactured Homes that are ADUs (Outbuildings)\n\nIf the manufactured home is a standalone ADU, an abbreviated set of information for the Manufactured Home\nsection displays (after the Outbuilding section for the ADU). Reference Types of Structures for more information\nto determine whether the manufactured home is considered a dwelling or outbuilding.\n\nAppendix F-1: URAR Reference Guide\n\nPage 121 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n09 Manufactured Home\n\nNote: Some manufactured home information displays for both dwellings and outbuildings that are ADUs. The\n“When to Include” column in this subchapter only references manufactured homes that are outbuildings\n(ADUs).\n• Structure Type is Outbuilding, Outbuilding Type (12.001) is Manufactured Home, and Units in Structure\n\n(12.003) is 1 or more\n\nGeneral Information\n\nAppendix F-1: URAR Reference Guide\n\nPage 122 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n09 Manufactured Home\n"}

chunks/json/162347cf2346a46f49907ff65c2d446149f042c10339bc860c3cef7b4c5a0bf3.json

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+{"chunk":{"char_end":754050,"char_start":752438,"chunk_id":"chk_25f3979f4fc4c83b","chunk_index":449,"chunk_sha256":"162347cf2346a46f49907ff65c2d446149f042c10339bc860c3cef7b4c5a0bf3","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"162347cf2346a46f49907ff65c2d446149f042c10339bc860c3cef7b4c5a0bf3","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Example of Significant Real Property Appraisal Assistance\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nAppraiser Certifications: Cert 21 (Significant Real Property Appraisal Assistance)\n\n29.041 … No one\nprovided\nsignificant real\nproperty …\n\n29.041 … [Contact\n\nName(s)]\nprovided\nsignificant real\nproperty …\n\n29.042 … [Contact\n\nName(s)]\nprovided\nsignificant real\nproperty …\n\nPredefined text that\ndisplays when there is\nno significant real\nproperty appraisal\nassistance\n\nPredefined text that\ndisplays when there is\nsignificant real\nproperty appraisal\nassistance\n\nPredefined text that\ndisplays when there is\nno significant real\nproperty appraisal\nassistance\n\nFree-form\n\nContact Name(s)\nThe name(s) of the person(s) who provided significant real property appraisal\nassistance.\nRedisplays from 2.047.\n\nAppendix F-1: URAR Reference Guide\n\nPage 342 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n29 Certifications and Scope of Work\n\nCert 29 (Prior Services)\n\nThe predefined text for Cert 29 varies depending on whether the appraiser has performed prior services for the\nsubject property in the past 3 years.\n\nExample of Prior Services Performed\n\nAppraiser Certifications: Cert 29 (Prior Services)\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n29.050 This is an\n\nAlways required\n\nYes | No\n\nDefinition / Additional Guidance\n\nAppraiser Prior Services Performed\nIndicates whether the appraiser has performed prior services for the subject\nproperty in the past 3 years. Determines which predefined version of Cert 29\ndisplays.\n"}

chunks/json/162d83336d3b623e0be775abed95bd4aa623923b11ed830d42abff70fa6ec038.json

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+{"chunk":{"char_end":383241,"char_start":381619,"chunk_id":"chk_015c55a05970aa1c","chunk_index":224,"chunk_sha256":"162d83336d3b623e0be775abed95bd4aa623923b11ed830d42abff70fa6ec038","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"162d83336d3b623e0be775abed95bd4aa623923b11ed830d42abff70fa6ec038","token_estimate":406,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"26\n\n27\n\n28\n\n29\n\n30\n\n31\n\n32\n\n33\n\n34\n\n35\n\n36\n\n37\n\n38\n\nSUBJECT\n\nHOA $\n\nProject Per Unit\nFee Amount\n\nThe amount charged to each unit by the\nproject management.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/_PER_UNIT_FEE/@_Am\nount\n\nSUBJECT\n\nHOA $\nper year\n\nProject Per Unit\nFee Period Type\n\nSpecifies the period about which the fees\nper unit apply.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/_PER_UNIT_FEE[@_Peri\nodType=‘Annually’]\n\nSUBJECT\n\nHOA $\nper month\n\nProject Per Unit\nFee Period Type\n\nSpecifies the period about which the fees\nper unit apply.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/_PER_UNIT_FEE[@_Peri\nodType=‘Monthly’]\n\nSUBJECT\n\nProperty Rights Appraised\nFee Simple\n\nProperty Rights\nType\n\nSpecifies the intended property ownership\nrights for the property.\n\n/VALUATION_RESPONSE/PROPERTY[@_RightsType=‘FeeSimple’]\n\nSUBJECT\n\nProperty Rights Appraised\nLeasehold\n\nProperty Rights\nType\n\nSpecifies the intended property ownership\nrights for the property.\n\n/VALUATION_RESPONSE/PROPERTY[@_RightsType=‘Leasehold’]\n\nSUBJECT\n\nProperty Rights Appraised\nOther\n\nProperty Rights\nType\n\nSpecifies the intended property ownership\nrights for the property.\n\n/VALUATION_RESPONSE/PROPERTY[@_RightsType=‘Other’]\n\n9\n\n8\n\n8\n\n9\n\n9\n\n9\n\nMoney\n\nUAD Requirement - Refer to Appendix D Subject Section\nWhole dollars only. If there are no mandatory HOA fees applicable to the subject\nproperty, appraiser must enter zero (0) in this data field.\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Subject Section\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Subject Section\n\nEnumerated\n\nEnumerated\n\nEnumerated\n\nSUBJECT\n\nProperty Rights Appraised\nOther (describe)\n"}

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+{"chunk":{"char_end":99370,"char_start":97768,"chunk_id":"chk_9bfe61967658c097","chunk_index":56,"chunk_sha256":"162ed8218b174b5a6dad0a37f9f42ac034b437b09a1bf62fffed9b379d86db2d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"162ed8218b174b5a6dad0a37f9f42ac034b437b09a1bf62fffed9b379d86db2d","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"The entity that funds the mortgage loan for the property.\nNotes:\n•\n•\n\nAlways select this answer when there is a lender on the transaction.\nFor FHA, USDA, and VA appraisals, reference the appropriate government agency appraisal guidelines.\n\nSelect Other to enter an answer that is not in the above list.\nNote: Only select this answer when the client does not match any of the available selections. The Client Role can be\nassociated to a selection of Other.\n\nAppendix F-1: URAR Reference Guide\n\nPage 37 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n02 Assignment Information\n\nCompany Name and Address\n\nAssignment Information: Contact Information - Lender, Client, and AMC – Company Name and Address\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n2.012\n\nCompany Name Always required for\n\nFree-form\n\nDefinition / Additional Guidance\n\nFor FHA, USDA, and VA appraisals, refer to the appropriate government agency\nappraisal guidelines.\n\nFree-form\n\nFor FHA, USDA, and VA appraisals, refer to the appropriate government agency\nappraisal guidelines.\n\nthe Lender, Client, or\nAMC\n\nAlways required for\nthe Lender, Client, or\nAMC\n\n2.013\n\nCompany\nAddress\n\nAMC Credentials\n\nAMC licensing information must be provided when required by the jurisdiction in which the subject property is\nlocated. If the client is not an AMC, or if not provided, this information does not display in this subsection.\n\nAssignment Information: Contact Information – AMC Credentials\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n2.014\n\nID\n\nIf applicable\n\nFree-form\n\n2.015\n\nState\n"}

chunks/json/16363862e60d64306330f7b1328af46ec52a86634f15a5dc67cd71969508966d.json

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+{"chunk":{"char_end":310665,"char_start":309055,"chunk_id":"chk_399436a0b102f434","chunk_index":183,"chunk_sha256":"16363862e60d64306330f7b1328af46ec52a86634f15a5dc67cd71969508966d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"16363862e60d64306330f7b1328af46ec52a86634f15a5dc67cd71969508966d","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Unit Interior: Occupancy and Utilities\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n10.020 Occupancy\n\nAlways required\n\n10.021 Utilities\n\nSeparately\nMetered\n\nRequired for\nproperties with more\nthan one unit, and\nproperties with ADU(s)\n\n10.022 Utilities\n\nOperating\n\nRequired for FHA and\nUSDA appraisals when\nOccupancy is Vacant\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nYes | No\n\nDefinition / Additional Guidance\n\nThe occupancy status of the unit as of the inspection date.\n•\n•\n•\n\nOwner\nTenant\nVacant\n\nIndicates whether any utilities are metered separately from other unit(s) on the\nproperty.\n•\n•\nNote: If some utilities are shared, answer Yes and describe in Unit Interior\nCommentary (10.061).\n\nYes (one or more utilities are separately metered)\nNo (all utilities are shared)\n\nYes | No\n\nIndicates whether all utilities are operating or functional.\n\nReference the appropriate government agency appraisal guidelines for more\ninformation.\n\nAppendix F-1: URAR Reference Guide\n\nPage 130 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n10 Unit Interior\n\nBedroom and Bathroom Counts\n\nUnit Interior: Bedroom and Bathroom Counts\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n10.023 Total Bedrooms Always required\n\nNumber\n\nDefinition / Additional Guidance\n\nThe total number of bedrooms in the unit, including above and below grade.\nNotes:\n•\n•\n\nCan be zero for an efficiency or studio.\nReference published guidelines by the GSEs, government agencies, or\nother identified secondary market participants for specific guidance.\n"}

chunks/json/163e64bcd1765a1851d1324709321f8fc099f18aeb799d7afa98f8d03df1918e.json

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+{"chunk":{"char_end":1610,"char_start":0,"chunk_id":"chk_fdff225273cd4451","chunk_index":0,"chunk_sha256":"163e64bcd1765a1851d1324709321f8fc099f18aeb799d7afa98f8d03df1918e","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5d9c7b086b7218c1","text_sha256":"163e64bcd1765a1851d1324709321f8fc099f18aeb799d7afa98f8d03df1918e","token_estimate":400,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Desktop_70D.pdf"]},"text":"2\n\nUniform Residential Appraisal Report (Desktop)\nThe 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.\n\n4 4a\n\nFile # 3\n\n7\n\n10\n\nCity\n\nOwner of Public Record\n\nProperty Address 6\nBorrower\nLegal Description 13\nAssessor’s Parcel # 14\nNeighborhood Name\nOccupant Owner Tenant Vacant\n21\nProperty Rights Appraised Fee Simple Leasehold\n28\nAssignment Type Purchase Transaction Refinance Transaction Other (describe) 35\nLender/Client 36\nIs 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\nReport data source(s) used, offering price(s), and date(s). e-2; 40\n\nTax Year\nMap Reference\n\nR.E. Taxes $\nCensus Tract\n\nSpecial Assessments $ 23\n\nOther (describe) 31\n30\n\nState 8\nCounty\n\n18\n PUD\n24\n\n34\nAddress\n\nHOA $ 25\n\nZip Code\n\n29\n33\n\n17\n\n15\n\n12\n\n37\n\n11\n\n39\n\n38\n\n20\n\n32\n\n22\n\n16\n 19\n per year per month\n26\n\n27\n\n9\n\n41\n\nI 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\n42\nperformed. e-3; 43\n\nContract Price $ 44\nIs 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\nIf Yes, report the total dollar amount and describe the items to be paid. 51a; e-4; 51b\n\nIs the property seller the owner of public record? Yes No Data Source(s) 48\n\nDate of Contract\n\n45\n\n47\n\n46\n\n49\n"}

chunks/json/164493145fbc0960b710c3cb43792db750ec8f49a072a900cd72553ca28f4b15.json

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+{"chunk":{"char_end":564138,"char_start":562528,"chunk_id":"chk_33c33c87dbf0870f","chunk_index":335,"chunk_sha256":"164493145fbc0960b710c3cb43792db750ec8f49a072a900cd72553ca28f4b15","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"164493145fbc0960b710c3cb43792db750ec8f49a072a900cd72553ca28f4b15","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Notes:\n•\n\n•\n\nIf there are multiple units or ADUs, Unit Identifier cannot be\nrepeated. For 2-4 unit properties, units would be identified as Unit\n1, Unit 2, etc.\nUnit Identifier is required but does not display in the sales grid for\ncomparables with ADUs.\n\nAlways required for\neach unit in the\ncomparable\n\nYes | No\n\nUnit Interior\n•\n\nUnit is an ADU\n10.011\n\nNo\n\nUnit is an ADU: Indicates whether the unit is considered an accessory\ndwelling unit.\n\nRequired if Unit is an\nADU is Yes\n\nDwelling or\nOutbuilding\n\n•\n\nStructure Type Not\non Report\n\nYes\n22.07.19\n\nStructure Type: The type of structure that contains the ADU.\n•\nIf the ADU is in a dwelling, “Dwelling” displays.\n\nRequired if Unit is an\nADU is Yes, and the\nADU is in an\noutbuilding\n\nChoose an\nallowable answer\nfrom 10.000\n\nUnit Interior\n•\n\nOutbuilding Type\n10.000\n\nYes\n22.07.19\n\nOutbuilding Type: The type of outbuilding that contains the ADU.\n•\n\nIf the ADU is in an outbuilding, Outbuilding Type displays.\n\n22.07.03\n22.07.20\n\nFloor Number\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nFree-form\n\nUnit Interior\n•\n\nFloor Number\n10.018\n\nYes\n22.07.21\n\nThe building floor number where the entrance to the unit is located.\nExamples: 1, 2, B1, B2, Penthouse\n\nAppendix F-1: URAR Reference Guide\n\nPage 247 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport Label\n\nWhen Row\nDisplays\n\nWhen to Include for\neach Comparable\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nSales Comparison Approach: Unit(s)\n\nYes | No\n\nUnit Interior\n•\n"}

chunks/json/1652a6958bdd515fd9fb9293841cab158524d212b3f606b269d8fc7359013546.json

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+{"chunk":{"char_end":19912,"char_start":18252,"chunk_id":"chk_83b316ca0008821d","chunk_index":11,"chunk_sha256":"1652a6958bdd515fd9fb9293841cab158524d212b3f606b269d8fc7359013546","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"1652a6958bdd515fd9fb9293841cab158524d212b3f606b269d8fc7359013546","token_estimate":415,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"Freddie Mac\n\nData Fields Specific to the Completion Report\n\nField Name\n\nDefinition / Description\n\nOriginal Effective Date of\nAppraisal\n\nThe date of when the appraiser’s analyses, opinions, and\nconclusions regarding the property’s values apply (i.e., are\neffective) on the original URAR, i.e. the effective date of the URAR\nthat is associated with the Completion Report.\n\n*Fannie Mae (FNM); Freddie Mac (FRE)\n\nAppears on\n[FNM, FRE, Both] *\nBoth\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal\nHousing Finance Agency.\n\nExamples of Document Level Results for All Report Types – Fannie Mae\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal\nHousing Finance Agency.\n\nExamples of Document Level Results for All Report Types – Fannie Mae\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal\nHousing Finance Agency.\n\nExample of Document Level Results for All Report Types – Freddie Mac\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n\nThis communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal\nHousing Finance Agency.\n"}

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chunks/json/1659e702ff155384b8b7f93f3f4d51a6b3128e8e42bfbb6c6d0c97aaa68348ff.json

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+{"chunk":{"char_end":4885,"char_start":3213,"chunk_id":"chk_06db2d930d17809b","chunk_index":2,"chunk_sha256":"1659e702ff155384b8b7f93f3f4d51a6b3128e8e42bfbb6c6d0c97aaa68348ff","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ae699ea5c646d934","text_sha256":"1659e702ff155384b8b7f93f3f4d51a6b3128e8e42bfbb6c6d0c97aaa68348ff","token_estimate":418,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Scenario_2_Appraisal/_.pdf/2-to4-unit_Scenario_2_Appraisal_v1.1.pdf"]},"text":"Was a Property Data Report used in lieu of an\nInspection?\n\nAppraiser Fee\nAMC Fee\n\n$0\n$0\n\nYes No\n \n\nSTET\n\n“lieu” l.c.\n\nCredentials\n\nID\nState\nExpires\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nABCD1234\nTX\n12/31/2024\n\nCertified Residential\n1234ABCD\nTX\n12/31/2024\n\nAttachment Type\nUnits Excluding ADUs\nAccessory Dwelling Units\nDwellings Containing Units\nSpecial Tax Assessments\n\nDetached\n4\n0\n1\nNo\n\nAssignment Information\n\nAssignment Reason\nBorrower Name\nCurrent Owner of Public Record\n\nRefinance\nJohn Seller\nJohn Seller\n\nContact Information\n\nClient/Lender\n\nCompany Name\nCompany Address\n\nAppraisal Management Company\n\nCompany Name\n\nCompany Address\n\nAppraiser\n\nName\nCompany Name\nCompany Address\n\nBig Bank of Texas\n712 Tex Bank Dr\nAnyplace, TX 01234\n\nIDK Appraisal Management\nCompany\n1515 Ranch St\nAnyplace, TX 01234\n\nJohn P. Appraiser\nXYZ Appraisal Company\n1621 Cattle Drive Ln\nAnyplace, TX 01234\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nPhysical\nPhysical\n05/01/2023\n\nSubject Property\n\nPhysical Address\n\nCounty\nNeighborhood Name\n\n171 Cowboy Ln\nAnyplace, TX 01234\nCowboy\nBighorn Ranch\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nProperty on Native American Lands\nSubject Site Owned in Common\nHomeowner Responsible for all Exterior Maintenance\nof Dwelling(s)\nNew Construction\n\nYes No\n \n \n \n \n \n \n \n\n \n\nOwnership Rights\n\nProperty Rights Appraised\n\nFee Simple\n\nAll Rights Included in Appraisal\n\nYes\n\nLegal Description\n\nLot 2 Block A Bighorn Ranch\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n"}

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chunks/json/1696523c657bf80844e709e918c6403ad7dde3bace18c8c18eb4bea2d5b8f8e3.json

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+{"chunk":{"char_end":317353,"char_start":315755,"chunk_id":"chk_e2a8dcd3966db9dd","chunk_index":187,"chunk_sha256":"16a287e87c2309a028a2de519947003d096c0cf884c4024dd5c9c32f2c7eabe3","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"16a287e87c2309a028a2de519947003d096c0cf884c4024dd5c9c32f2c7eabe3","token_estimate":400,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"•\n\n10.033 Room Summary Always displays for\n\nNumber\n\nNumber of Rooms: The count of each Room Type on the level.\n\neach indicated Room\nType\n\n10.033 Room Summary Required for each level\n\nin the unit if any part\nof the level is finished\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nBath – Half\nBath – Full\nBedroom\nBreakfast Room\nDen\nDining Room\nFamily Room\nKitchen\nLaundry Room\nLiving Room\nLoft\n\nRoom Type: The original design of the room(s) that are on the indicated level.\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n•\n• Media Room\n• Mudroom\n•\n•\n•\n• Walk-In Pantry\n• Workshop\n•\nNotes:\n•\n\nRecreation Room\nSunroom\nUtility Room\n\nSelect the most applicable Room Type that fits the description of the\nroom. Examples:\n\nOther (Describe)\n\no\no\n\nSelect Dining Room for dining areas.\nSelect Breakfast Room for breakfast areas or breakfast nooks.\n\n•\n\n•\n\nPhoto(s) may be provided of the room(s), which would display in Unit\nInterior Exhibits with the Level and Room Type. An additional caption\nmust be provided including the location, and any other descriptive\ninformation as appropriate. Examples: Bath 2, Hall bathroom, Main\nbedroom.\nReference published guidelines by the GSEs, government agencies, or\nother identified secondary market participants for specific photo\nrequirements.\n\nAppendix F-1: URAR Reference Guide\n\nPage 133 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n10 Unit Interior\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nAbove Grade\n\nAt or above ground level with the walls having minimal or no earth contact.\n\nGrade Level Type (Choose one for each level in the unit)\n"}

chunks/json/16a90b7dcc339be4ce8e97e97edf7474eeb5f10ae524bc3000c0ec51d71b4b15.json

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+{"chunk":{"char_end":327081,"char_start":325473,"chunk_id":"chk_2290e27fd74785e2","chunk_index":193,"chunk_sha256":"16a90b7dcc339be4ce8e97e97edf7474eeb5f10ae524bc3000c0ec51d71b4b15","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"16a90b7dcc339be4ce8e97e97edf7474eeb5f10ae524bc3000c0ec51d71b4b15","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"The kitchen or bathroom has a level of modernization with some replaced, refinished, or refurbished components but does\nnot rise to the level of total replacement.\n\nThe kitchen or bathroom has had no modernization and has not experienced any renovation, refinishing, or remodeling\nsince the original date of construction or within a timeframe that renders the update’s impact negligible.\n\nAllowable Answer\n\nNew or Like New\n\nRoom Condition Status (Choose one for each kitchen or bathroom)\n\nDefinition / Additional Guidance\n\nThe kitchen or bathroom is new or like new with no visible signs of use.\nNote: This would be the typical answer when New Construction (3.017) is Yes.\n\nTypical Wear and Tear\n\nThe kitchen or bathroom is fully functional and exhibits minimal wear and tear, with visible signs of use.\n\nDamaged and Functional\n\nThe kitchen or bathroom is damaged and exhibits moderate wear and tear but can still function as intended or designed.\n\nDamaged and Nonfunctional The kitchen or bathroom is damaged and exhibits significant wear and tear to the level that it can no longer function as\n\nintended or designed.\nNote: If this answer is selected, individual damages and structural issues must be reported in the Apparent Defects,\nDamages, and Deficiencies (Unit Interior) subsection.\n\nAppendix F-1: URAR Reference Guide\n\nPage 137 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n10 Unit Interior\n\nOverall Update Status for Bathrooms\n\nThe appraiser must identify the overall update status for all bathrooms in the unit. This information is displayed\nin the Sales Comparison Approach section if relevant.\n"}

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+{"chunk":{"char_end":11065,"char_start":9042,"chunk_id":"chk_e5075a0a0ea32f3f","chunk_index":5,"chunk_sha256":"16af7537bb6f9924d6c4b056e1020bdf62eacb708907445f0e620412d3683833","date_utc":"2026-01-27T17:47:55+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_cf9616c9cd8a63d3","text_sha256":"16af7537bb6f9924d6c4b056e1020bdf62eacb708907445f0e620412d3683833","token_estimate":505,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_AI_Compliance_Plan___U_S__FEDERAL_HOUSING_utu1o9.md"]},"text":"Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP\n\nFilter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996\n\n[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/13486&order=field_release_date&sort=asc) Report Attachment September 30, 2025 [FHFA 2025 AI Compliance Plan](/reports/fhfa-ai-compliance-plan/2025) [Read Report](/document/FHFA-2025-AI-Compliance-Plan.pdf) September 24, 2024 [FHFA 2024 AI Compliance Plan](/reports/fhfa-ai-compliance-plan/2024) [Read Report](/document/fhfa-2024-ai-compliance-plan)\n"}

chunks/json/16b1cef69befb32ebd7d29220ff49f556c2705b20d4f4485ad7cdb399dfa3295.json

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+{"chunk":{"char_end":12434,"char_start":10551,"chunk_id":"chk_198799adc9d30001","chunk_index":6,"chunk_sha256":"16b1cef69befb32ebd7d29220ff49f556c2705b20d4f4485ad7cdb399dfa3295","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_803e35193cb4a939","text_sha256":"16b1cef69befb32ebd7d29220ff49f556c2705b20d4f4485ad7cdb399dfa3295","token_estimate":468,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Blogs___FHFA_0tygc.md"]},"text":"December 20, 2024\n\n## [Estimating the Impact of Hurricanes Helene and Milton on Single-Family Mortgages](/blog/insights/estimating-the-impact-of-hurricanes-helene-and-milton-on-single-family-mortgages)\n\nIn the aftermath of the destruction spanning North Carolina to Florida following Hurricanes Helene and Milton in late September and early October, many residents of this region face a long road to recovery. The Federal Housing Finance Agency (FHFA) today published a dashboard with data on single...\n - FHFA Statistics\n\nDecember 20, 2024\n\n## [Enterprise Multifamily Focus in 2022 and 2023](/blog/statistics/enterprise-multifamily-focus-in-2022-and-2023)\n\nSummary Statistics From FHFA’s Multifamily Public Use Databases In 2022 and 2023, Fannie Mae and Freddie Mac (the Enterprises) financed more multifamily properties in the Northeast, Florida, Texas, and California than elsewhere in the contiguous United States. The Enterprises’ financing of...\n - FHFA Insights\n\nDecember 9, 2024\n\n## [FHFA’s Fall 2024 Econ Summit on Climate Risk](/blog/insights/fhfas-fall-2024-econ-summit-on-climate-risk)\n\nThe Federal Housing Finance Agency (FHFA) hosted over 300 stakeholders from government, industry, and academia at its third annual Econ Summit on Climate Risk on November 12, 2024. In her opening remarks, Director Sandra L. Thompson emphasized that climate change poses a serious threat to the safety...\n - FHFA Insights\n\nDecember 9, 2024\n\n## [Energy Transition Risk in the Housing Market](/blog/insights/energy-transition-risk-in-the-housing-market)\n\nThis blog post examines energy transition risk in the housing market and its potential impacts on the housing market’s energy sustainability efforts. Energy transition risk can be defined as risk related to the process of adjustment towards a low-carbon economy. [1] As society moves away from carbon...\n - FHFA Insights\n"}

chunks/json/16bb71818b28d9f534a30a4775ecb66692943e5402c588137b19d72ed4c10fcc.json

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+{"chunk":{"char_end":435728,"char_start":434099,"chunk_id":"chk_786ccb17590e985e","chunk_index":255,"chunk_sha256":"16bb71818b28d9f534a30a4775ecb66692943e5402c588137b19d72ed4c10fcc","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"16bb71818b28d9f534a30a4775ecb66692943e5402c588137b19d72ed4c10fcc","token_estimate":407,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"If field 1-109 (Site Utility Non Public\nIndicator) is indicated, this field is\nrequired. If no utilities are present\n'None' must be populated.\n\nIf utilities are present, at least one of\nfields 1-111, 1-112 (Site Utility Public\nIndicator = 'Y' or Site Utility Non\nPublic Indicator = 'Y') must be\nindicated. If no utilities are present\n'None' must be populated in field 1-113\n(Site Utility Non Public Description).\n\nIf utilities are present, at least one of\nfields 1-111, 1-112 (Site Utility Public\nIndicator = 'Y' or Site Utility Non\nPublic Indicator = 'Y') must be\nindicated. If no utilities are present\n'None' must be populated in field 1-113\n(Site Utility Non Public Description).\n\nIf field 1-112 (Site Utility Non Public\nIndicator) is indicated, this field is\nrequired. If no utilities are present\n'None' must be populated.\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\n112\n\n113\n\n114\n\n115\n\n116\n\n117\n\n118\n\n119\n\n120\n\n121\n\n122\n\n123\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 89 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n1073/465\n\nData Field\nConditionality 1073\nHybrid/465H\n\nData Field\nConditionality 1073\nDesktop/465D\n\n124\n\n125\n\n1\n\n1\n\n118\n\nPROJECT SITE\n\n119\n\nPROJECT SITE\n\nAlley\nPublic\n\nAlley\nPrivate\n\nProperty Off Site\nImprovement\nExists Indicator\n"}

chunks/json/16c4ba2b30f56450e88e8f3ca9d95a045397a1833f06404388d97fa37987c071.json

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+{"chunk":{"char_end":4925,"char_start":3310,"chunk_id":"chk_1d3cf7a79ac974ce","chunk_index":2,"chunk_sha256":"16c4ba2b30f56450e88e8f3ca9d95a045397a1833f06404388d97fa37987c071","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_24862b5b8723cb88","text_sha256":"16c4ba2b30f56450e88e8f3ca9d95a045397a1833f06404388d97fa37987c071","token_estimate":404,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-integration-impact-memo-april-2021.pdf"]},"text":"To better align with the business rules and intent of the message, several messages will be assigned to a different message\ncategory and moved to a new location within the DU Underwriting Findings report.\n\nIntegrated Systems that parse the following DU message identifiers, message category type codes and related message text will\nneed to be updated to support these changes.\n\nThis change will apply to all loans submitted or resubmitted on or after April 18, 2021. DU XML\nCodified Findings - Data Mapping\n\nParent Element\n\nMessageIdentifier\n\nCurrent MessageCategoryTypeCode\n\nUpdated MessageCategoryTypeCode\n\nCasefileMessages\nMessages\n\nCasefileMessages\nMessages\n\nCasefileMessages\nMessages\n\nCasefileMessages\nMessages\n\nCasefileMessages\nMessages\n\n2849\n\n2931\n\n3299\n\n3301\n\n3303\n\n1 = RISK ASSESSMENT\n\n6 = REQUIRED FUNDS\n\n1 = RISK ASSESSMENT\n\n6 = REQUIRED FUNDS\n\n5 = EMPLOYMENT/ INCOME\n\n1 = RISK ASSESSMENT\n\n5 = EMPLOYMENT/ INCOME\n\n1 = RISK ASSESSMENT\n\n5 = EMPLOYMENT/ INCOME\n\n1 = RISK ASSESSMENT\n\nFannie Mae Confidential and Proprietary\n\n© 2021 Fannie Mae 2.24.21 Page 2 of 4\n\nDU Validation Service List Message - Column Header Change\n\nIntegrated Systems that parse the DU validation service list messages referenced below may need to be updated to use the new column header\nmessage text.\n\nMessageIdentifier MessageSeverityType\n\nMessageCategoryType Code\n\nCode\n\nMessage\nType\n\nCurrent Column\nMessageText\nHeader Value\n\nNew Column MessageText\nHeader Value\n\n3305*\n\n5 = VERIFICATION\n\n5 = EMPLOYMENT/ INCOME\n\n3307\n\n3309\n\n3311\n\n3313\n\n3319\n\n3419\n\n5 = VERIFICATION\n\n5 = EMPLOYMENT/ INCOME\n\n5 = VERIFICATION\n\n5 = EMPLOYMENT/ INCOME\n"}

chunks/json/16d067a0c902701cd71c1c4c8a8dec38fd9b2cc8fc27ce118b59e9be56d04380.json

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+{"chunk":{"char_end":11518,"char_start":9838,"chunk_id":"chk_097bbbe4a9064aa1","chunk_index":6,"chunk_sha256":"16d067a0c902701cd71c1c4c8a8dec38fd9b2cc8fc27ce118b59e9be56d04380","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5c0b0ee89f21d117","text_sha256":"16d067a0c902701cd71c1c4c8a8dec38fd9b2cc8fc27ce118b59e9be56d04380","token_estimate":534,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004_70.pdf"]},"text":"130\n\n131\n\n129\n\n132\n\nBased on a complete visual inspection of the interior and exterior areas of the subject property, defined scope of work, statement of assumptions and limiting\nconditions, and appraiser’s certification, my (our) opinion of the market value, as defined, of the real property that is the subject of this report is\n$ 134\n\n, which is the date of inspection and the effective date of this appraisal.\n\n135\n\n, as of\n\nS\nA\nL\nE\nS\n\nC\nO\nM\nP\nA\nR\nI\nS\nO\nN\n\nA\nP\nP\nR\nO\nA\nC\nH\n\nR\nE\nC\nO\nN\nC\nI\nL\nI\nA\nT\nI\nO\nN\n\nFreddie Mac Form 70 March 2005 226\n\nPage 2 of 6\n\nFannie Mae Form 1004 March 2005\n\n2 Uniform Residential Appraisal Report\n\nFile # 3\n\n4 4a\n\n5\n\nA\nD\nD\nI\nT\nI\nO\nN\nA\nL\n\nC\nO\nM\nM\nE\nN\nT\nS\n\nC\nO\nS\nT\n\nA\nP\nP\nR\nO\nA\nC\nH\n\nProvide adequate information for the lender/client to replicate the below cost figures and calculations.\nSupport for the opinion of site value (summary of comparable land sales or other methods for estimating site value) 6\n\nCOST APPROACH TO VALUE (not required by Fannie Mae)\n\n7\n\n8\n\nESTIMATED REPRODUCTION OR REPLACEMENT COST NEW\nSource of cost data 9\nQuality rating from cost service 10\nEffective date of cost data 11\nComments on Cost Approach (gross living area calculations, depreciation, etc.)\n12\n\nOPINION OF SITE VALUE ....................................................... = $ 14\n........... =$ 17\nDwelling 15\nSq. Ft. @ $ 16\nSq. Ft. @ $ 20\n18 19\n........... =$ 21\n 23\n22\n........... =$ 26\nGarage/Carport 24\nSq. Ft. @ $ 25\n.......... = $ 27\nTotal Estimate of Cost-New\nLess\nDepreciation\nDepreciated Cost of Improvements............................................ =$ 35\n“As-is” Value of Site Improvements............................................ =$ 36\n"}

chunks/json/16db5884f471e1b20f6a6a01a74221319faaa323ec57ab072faa54462d6b4d16.json

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+{"chunk":{"char_end":1125263,"char_start":1123345,"chunk_id":"chk_92dc86782d912144","chunk_index":668,"chunk_sha256":"16db5884f471e1b20f6a6a01a74221319faaa323ec57ab072faa54462d6b4d16","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"16db5884f471e1b20f6a6a01a74221319faaa323ec57ab072faa54462d6b4d16","token_estimate":480,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/@_State\n\n2\n\nString\n\n234\n\n2\n\n12c\n\nSALES\nCOMPARISON\nAPPROACH\n\nAddress\n(Line 2)\n\nProperty Postal\nCode\n\nThe postal code (zip code in the US) of\nthe subject property. Zip code may be\neither 5 or 9 digits.\n\n/VALUATION_RESPONSE/PROPERTY/@_PostalCode\n\n10\n\nString\n\nPDF Display Format:\nWhole dollars only.\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nMust conform to USPS (Pub 28). The following address elements must be included\nin this field:\n· Street number\n· Street name (including applicable pre-directional indicator, suffix, and/or post-\ndirectional indicator)\n· Address unit designator and number (if applicable)\nThis data is referenced more than once on the form (fields 1-6, 2-11, 6-19), and must\nbe represented consistently to the extent that the available space permits\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nMust conform to USPS (Pub 28). The following address element must be included\nin this field:\n· City\nThis data is referenced more than once on the form (fields 1-7, 2-12a, 6-20a) and\nmust be represented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nMust conform to USPS (Pub 28). The following address element must be included\nin this field:\n· USPS two-letter state or territory representation\nThis data is referenced more than once on the form (fields 1-8, 2-12b, 6-20b), and\nmust be represented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nMust conform to USPS (Pub 28). The following address element must be included\nin this field:\n· 5-digit ZIP Code or ZIP+4 Code (with or without the dash)\nThis data is referenced more than once on the form (fields 1-9, 2-12c, 6-20c) and\nmust be represented consistently.\n"}

chunks/json/17033613b58e82a45feec1928f6622d45abab4ed4df3a79716d8e232e3be0dde.json

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+{"chunk":{"char_end":309303,"char_start":307599,"chunk_id":"chk_2e2f6e15e2382c6f","chunk_index":170,"chunk_sha256":"17033613b58e82a45feec1928f6622d45abab4ed4df3a79716d8e232e3be0dde","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"17033613b58e82a45feec1928f6622d45abab4ed4df3a79716d8e232e3be0dde","token_estimate":426,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"identify the apparent environmental condition(s);\nidentify if the apparent environmental condition is onsite, offsite, or bordering the subject site\n\n•\n•\n• provide the approximate distance to the environmental condition, as measured from the closest point of the apparent\n\nenvironmental condition to the subject property line (e.g., number of feet, miles, etc.);\nidentify whether the impact to the property is adverse, beneficial, or neutral; and\ncomment on the nature of the apparent environmental condition, and its impact on value or marketability.\n\n•\n•\n\nIn addition, the appraiser must make appropriate adjustments in the overall analysis of the property’s value and make the\nappraisal “subject to” inspection by a qualified professional.\n\nFannie Mae expects the appraiser to consider and use comparable data from the same affected market area because the sales\nprices of settled sales, the contract sales prices of pending sales, and the current asking prices for active listings will reflect any\nnegative effect of the apparent environmental condition on value and marketability of the subject property.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 117 of 166\n\nUAD 3.6 Policy\n\nNote: Fannie Mae does not consider the appraiser to be an expert in the field of environmental hazards. The typical residential\nreal estate appraiser is neither expected nor required to be an expert in this specialized field. The appraiser, however, has a\nresponsibility to note in the appraisal report any apparent environmental conditions that were observed during the inspection of\nthe subject property or information that they became aware of through the normal research involved in performing an appraisal.\n"}

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+{"chunk":{"char_end":131898,"char_start":130274,"chunk_id":"chk_4760c345bd8fa578","chunk_index":74,"chunk_sha256":"170cea7566dd10e3902d4322470850dfe358dddd3762342d8fcf7356ed1ac26e","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"170cea7566dd10e3902d4322470850dfe358dddd3762342d8fcf7356ed1ac26e","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"MISMO\n\nhttp://www.mismo.org\n\nMISMO Engineering Guidelines\n\nhttp://www.mismo.org/specs/v30-candidate-\nrecommendation.html\n\nV3.0 Reference Model and Logical\nData Dictionary, V30_B263-\n12_LDDReport.xls\n\nhttp://www.mismo.org\n\nE. XML schema Editors\n\nIn order to open and view .xsd files, an XML Editor is required. A variety of XML Editor\nSoftware is available, some of it freeware. Wikipedia lists a wide variety of XML editors\nat http://en.wikipedia.org/wiki/List_of_XML_editors. For business users, it is important\nto use an XML Editor that provides a pictorial view of the V3.0 Reference Model, which\nrequires no need to understand and interpret an XML document. The graphical\nrepresentation of the V3.0 Reference Model shows the relationships among all the\ndifferent containers. The graphical capability should allow a user to see the V3.0\nReference Model at the highest level to obtain an understanding of the entire model and its\norganization, and the ability to drill down to increasingly detailed views of different\nsections of the V3.0 Reference Model. Users should be able to view the lowest level\ncontainers holding data points and valid values.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 59 of 76\n\nSection VI. V3.0 Reference Model Features Not Used in the ULDDS\n\nVI. V3.0 Reference Model Features Not Used in the ULDDS\n\nFor ease of use, the following components of the MISMO LDD and Reference Model that are\nnot used in the ULDDS are presented together in this section.\n\nA. The V30_B263-12_LDDReport\n"}

chunks/json/171369761e8041b1beac0ea46f375cae621cc21fd92319ed0a5e64d50247776b.json

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+{"chunk":{"char_end":225475,"char_start":223824,"chunk_id":"chk_9f5343bf91452409","chunk_index":114,"chunk_sha256":"171369761e8041b1beac0ea46f375cae621cc21fd92319ed0a5e64d50247776b","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"171369761e8041b1beac0ea46f375cae621cc21fd92319ed0a5e64d50247776b","token_estimate":413,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Escrowed\n\nOther\n\nRepresented as\n“SOME” on form\n\nROF as “ Property\nTaxes”\n\nSpecialAssessment\n\nAppendix E: UCD Implementation Guide\n\nPage 101 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n5.0 Projected Payments Table\n\nTable 87. Property Tax and Homeowners Insurance-Multiple Cost Items Each\n\nID\n\nForm Field Name\n\n5.6.3\n\nIn escrow?\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0\nData\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\nProjectedPaymentE\nscrowedType\n\nEscrowed\n\nRepresented as\n“SOME” on form\n\nThird instance of ESTIMATED_PROPERTY_COST_COMPONENT\n5.6.4\n\n…/ESTIMATED_PRO\nPERTY_COST_COM\nPONENT\n\nFourth instance of ESTIMATED_PROPERTY_COST_COMPONENT\n5.6.4\n\n…/ESTIMATED_PRO\nPERTY_COST_COM\nPONENT\n\n5.6.4\n\nThis estimate\nincludes: \nHomeowner’s\nInsurance\nIn escrow?\n\nThis estimate\nincludes: \nHomeowner’s\nInsurance\n\n5.6.4\n\nIn escrow?\n\nProjectedPaymentE\nstimatedTaxesInsur\nanceAssessmentCo\nmponentType\nProjectedPaymentE\nscrowedType\n\nProjectedPaymentE\nstimatedTaxesInsur\nanceAssessmentCo\nmponentType\nProjectedPaymentE\nstimatedTaxesInsur\nanceAssessmentCo\nmponentTypeOthe\nrDescription\nProjectedPaymentE\nscrowedType\n\nHomeownersInsura\nnce\n\nROF as “ Property\nTaxes”\n\nNotEscrowed\n\nRepresented as\n“SOME” on form\n\nOther\n\nROF as “\nHomeowners\nInsurance”\n\nEarthquakeInsuran\nce\n\nEscrowed\n\nRepresented as\n“SOME” on form\n\nd. MULTIPLE “OTHER” PROPERTY COST I TEMS\n\nIf the ETI&A amount includes multiple Other cost items, implementers arbitrarily identify only one charge as the\nthird line item, along with the boilerplate phrase ‘‘and additional costs.’’ Property cost items not explicitly\nidentified as an ETI&A line item still must be included in the total periodic ETI&A amount.\n"}

chunks/json/172471ff291351da44757813f1e61a75b606e3078e915b97179e2524f93d2e81.json

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+{"chunk":{"char_end":2219,"char_start":1587,"chunk_id":"chk_5188f323a166e80d","chunk_index":2,"chunk_sha256":"172471ff291351da44757813f1e61a75b606e3078e915b97179e2524f93d2e81","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_2d4aaec60fd63c08","text_sha256":"172471ff291351da44757813f1e61a75b606e3078e915b97179e2524f93d2e81","token_estimate":466,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide - Supplement - Usability and Implementation Guidance.pdf"]},"text":"Integration with Public Records and Other Industry Data Repositories --------------------------------------------- 5\n\nAdditional Data Entry Guidance --------------------------------------------------------------------------------------------- 5\n\nIntegration with UAD Compliance API ------------------------------------------------------------------------------------- 6\n\nSingle Source for Data Entry ------------------------------------------------------------------------------------------------- 6\n\nTerminology --------------------------------------------------------------------------------------------------------------------- 6\n"}

chunks/json/17302cd8b57990fe19dd8376b656ef3f3a42d9a6b52c599ae036315eca2c187f.json

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+{"chunk":{"char_end":76421,"char_start":74798,"chunk_id":"chk_a315e67f2c71bb56","chunk_index":42,"chunk_sha256":"17302cd8b57990fe19dd8376b656ef3f3a42d9a6b52c599ae036315eca2c187f","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"17302cd8b57990fe19dd8376b656ef3f3a42d9a6b52c599ae036315eca2c187f","token_estimate":406,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"DU is updated periodically to incorporate ZIP codes included in FEMA-Declared Disaster Areas eligible for Individual Assistance.\nFannie Mae may also add areas impacted by other disasters or emergencies at its discretion. New loan casefiles for properties in\nthose ZIP codes are excluded from consideration for a new value acceptance or value acceptance + property data offer.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 33 of 166\n\nUAD 3.6 Policy\n\nValue Acceptance Offers Following a Disaster\n\nAfter Fannie Mae has received an acceptable appraisal report that was performed following a disaster, that appraisal report can\nserve as the basis for a future value acceptance or value acceptance + property data offer. Lenders may exercise these offers in\naccordance with the requirements in SB4-1.4-10, Value Acceptance and SB4-1.4-11, Value Acceptance + Property Data.\n\nAge of Documentation Requirements\n\nWhen a loan is secured by a property located in a FEMA-Declared Disaster Area eligible for Individual Assistance, Fannie Mae\nprovides the following additional flexibilities:\n\n•\n\nThe underwriting documentation, including credit reports and verifications of income and assets, must be dated no\nmore than 180 days before the note date.\n\no Lenders may disregard the message in the DU Underwriting Findings Report that indicates if the loan casefile\n\nhas not already closed, the credit report has expired.\n\n• An appraisal update is not required when the effective date of the appraisal report is dated no more than 180 days before\n\nthe note date. Lenders must comply with the property eligibility requirements above.\n"}

chunks/json/1741925c3d304a40b9b4e89f0cd2786523b69dc1481954b1e62471d46b91e60f.json

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+{"chunk":{"char_end":1727,"char_start":0,"chunk_id":"chk_a0898654696e60e4","chunk_index":0,"chunk_sha256":"1741925c3d304a40b9b4e89f0cd2786523b69dc1481954b1e62471d46b91e60f","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d1e29fa866f13fb3","text_sha256":"1741925c3d304a40b9b4e89f0cd2786523b69dc1481954b1e62471d46b91e60f","token_estimate":529,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Federal_Home_Loan_Bank_Stress_Tests_For_Market_And_714cn.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/fhlb-stress-tests\"\ndate_accessed: \"2026-01-27T17:47:56.081Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}

chunks/json/1756108848c12d7343c63dc88c1d8d78f6bcd06b9e6ced98f47dc8e7b2f79aae.json

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+{"chunk":{"char_end":9603,"char_start":7822,"chunk_id":"chk_1f713a2cd2642368","chunk_index":4,"chunk_sha256":"1756108848c12d7343c63dc88c1d8d78f6bcd06b9e6ced98f47dc8e7b2f79aae","date_utc":"2026-01-27T18:02:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_44e9380c1b097895","text_sha256":"1756108848c12d7343c63dc88c1d8d78f6bcd06b9e6ced98f47dc8e7b2f79aae","token_estimate":445,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-march-release-notes-march-6-2024.pdf"]},"text":"Message ID\n\n3101\n\n3103\n\n3107\n\n3489\n\n3735\n\nNew Messages\n\nLender Text\n\nParameters\n\n(None, Fixed Type message)\n\nReason\n\nTotal reported income on casefile | Vendor\n\n(None, Fixed Type message)\n\nBorrower\n\nAsset account information may have been used to\nsupport the income and/or employment\ninformation provided on the online loan\napplication.\nIncome and/or employment cannot be supported\nusing asset account information due to the\nfollowing:\nThe total income for this loan casefile of $%a\nentered on the online loan application is\nsupported using asset account information. The\nasset report from %a is acceptable documentation\nto support this income.\nDU observed that the submitted asset report(s) do\nnot contain twelve months of transaction history.\nTherefore, this asset report(s) will be insufficient\nfor employment-related income validation.\n\nChild support must be verified for %a with one of\nthe following documents: divorce decree,\nseparation agreement, court decree, any other\nlegal agreement that describes the payment\nterms, or any applicable state law that requires\nsuch payments and specifies the conditions under\nwhich the payments must be made. The lender\nmust verify the child support income will continue\nfor at least three years. Refer to the Selling Guide\nfor additional information.\n\n© 2024 Fannie Mae\n\n3 of 4\n\nBorrower\n\n3737\n\nAlimony must be verified for %a with one of the\nfollowing documents: divorce decree, separation\nagreement, court decree, any other legal\nagreement that describes the payment terms, or\nany applicable state law that requires such\npayments and specifies the conditions under\nwhich the payments must be made. The lender\nmust verify the alimony income will continue for at\nleast three years. Refer to the Selling Guide for\nadditional information.\n"}

chunks/json/1763dca7037062c24dc2342b75440ac4206404f0d05d687d51c5eda444f121a1.json

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+{"chunk":{"char_end":314493,"char_start":312836,"chunk_id":"chk_5a41361ee3676f6e","chunk_index":180,"chunk_sha256":"1763dca7037062c24dc2342b75440ac4206404f0d05d687d51c5eda444f121a1","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"1763dca7037062c24dc2342b75440ac4206404f0d05d687d51c5eda444f121a1","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"<CONTACT_POINT_EMAIL>\n\n<ContactPointEmailValue> joe@alpkare.biz </ContactPointEmailValue>\n\n</CONTACT_POINT_EMAIL>\n\n</CONTACT_POINT>\n <CONTACT_POINT>\n\n<CONTACT_POINT_TELEPHONE>\n <ContactPointTelephoneValue>3215557171</ContactPointTelephoneValue>\n </CONTACT_POINT_TELEPHONE>\n\n</CONTACT_POINT>\n </CONTACT_POINTS>\n <NAME>\n\n<FirstName>Joseph</FirstName>\n <LastName>Cain</LastName>\n\n</NAME>\n </INDIVIDUAL>\n <ROLES>\n <ROLE>\n\nUCD v2.0 Implementation Guide\n\n- 146 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 118. XML Snippet – Example of Conditional PARTY Data.\n\n<REAL_ESTATE_AGENT>\n\n<RealEstateAgentType>Listing</RealEstateAgentType>\n\n</REAL_ESTATE_AGENT>\n <ROLE_DETAIL>\n\n<PartyRoleType>RealEstateAgent</PartyRoleType>\n\n</ROLE_DETAIL>\n\n</ROLE>\n </ROLES>\n\n</PARTY>\n\n<!–Selling Real Estate Agent (for Borrower) Company→\n\n<PARTY>\n\n<LEGAL_ENTITY>\n\n<LEGAL_ENTITY_DETAIL>\n\n<FullName>Alpha Real Estate Broker, Inc.</FullName>\n\n</LEGAL_ENTITY_DETAIL>\n\n</LEGAL_ENTITY>\n <ADDRESSES>\n <ADDRESS>\n\n<AddressLineText>987 Suburb Ct.</AddressLineText>\n <AddressType>Mailing</AddressType>\n <CityName>Someplace</CityName>\n <PostalCode>12340</PostalCode>\n <StateCode>ST</StateCode>\n\n</ADDRESS>\n </ADDRESSES>\n <ROLES>\n <ROLE>\n\n<REAL_ESTATE_AGENT>\n\n<RealEstateAgentType>Selling</RealEstateAgentType>\n\n</REAL_ESTATE_AGENT>\n <ROLE_DETAIL>\n\n<PartyRoleType>RealEstateAgent</PartyRoleType>\n\n</ROLE_DETAIL>\n\n</ROLE>\n </ROLES>\n\n</PARTY>\n\n</PARTIES>\n…\n</MESSAGE>\n\nUCD v2.0 Implementation Guide\n\n- 147 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nAppendix A. Glossary and List of Acronyms\n\nAPPENDIX A. GLOSSARY AND LIST OF ACRONYMS\n"}

chunks/json/17664cf126f21fc0c2473b77c9e05f5da5aef76f1c30d457de970e1899b577ee.json

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+{"chunk":{"char_end":576123,"char_start":574293,"chunk_id":"chk_1203d4cb93c07a87","chunk_index":342,"chunk_sha256":"17664cf126f21fc0c2473b77c9e05f5da5aef76f1c30d457de970e1899b577ee","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"17664cf126f21fc0c2473b77c9e05f5da5aef76f1c30d457de970e1899b577ee","token_estimate":458,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Sales Comparison Approach: Exterior Quality and Condition\n\nReport\nField ID\n\n22.08.06\n22.08.21\n\n22.08.08\n22.08.22\n\nWindows\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nFree-form\n\nIf relevant, for\neach\nadditional\nfeature\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nFree-form\n\n[Other Exterior\nFeature]\n22.08.07\nExterior\nFeature Other\nDescription\n8.041\npopulates\nfrom Dwelling\nExterior\n\nWindows Quality\nSummary does not\npopulate from Dwelling\nExterior; the appraiser\nmust enter information\nfor the subject property\n\nDwelling Exterior\n•\n\nExterior Feature\nOther Description\n8.041 (Report\nLabel)\n\nOther Exterior Feature\nQuality Summary\n22.08.08 does not\npopulate from Dwelling\nExterior; the appraiser\nmust enter information\nfor the subject property\n\nNo\n\nWindows Quality Summary: A short description summarizing the quality\nof the windows in the dwelling.\n\nNo\n\nIf needed to support the quality rating, additional rows may be included\nfor any features not predefined that were added to the Exterior\nFeatures table in the Dwelling Exterior section (8.041-8.045).\n\nExample: Other Exterior Feature Example in Dwelling Exterior and Sales\nComparison Approach\n\nOther Exterior Feature Quality Summary: A short description\nsummarizing the quality of the other exterior feature. Example: Custom\nconcrete cornices and frieze\n\nNotes:\n•\n•\n\nIf the feature does not exist for the comparable, enter “None”.\nIf the comparable has an exterior feature that the subject does not\nhave, report as an Additional Row in the Dwelling(s) subsection\n(22.05.18) and not here.\n\nThe Exterior Condition Rating for the dwelling provides support for the\nOverall Condition Rating. Adjustments are made in the Overall Condition\nRating row.\nReference Appendix 2: Condition and Quality Rating Definitions for\ndefinitions.\n"}

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+{"chunk":{"char_end":531995,"char_start":530078,"chunk_id":"chk_122fb727707a78ee","chunk_index":302,"chunk_sha256":"17730ed5dfe9d23508e561a67ef6d98022caf8ddb1d1def3feddc9198919a0b8","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"17730ed5dfe9d23508e561a67ef6d98022caf8ddb1d1def3feddc9198919a0b8","token_estimate":480,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"PRIN CIPAL AND\nIN TEREST PAYMENT\nADJUSTMENT\n\nREPEATABLE\nCON TAINERS\n\nREUSABLE CONTAINERS\n\nPRINCIPAL_AND_INTEREST_PAYMENT_ADJUSTMENT holds two child containers that capture\nthe loan terms defining how the P&I payment can change:\nPRINCIPAL_AND_INTEREST_PAYMENT_LIFETIME_ADJUSTMENT RULE holds data points\nconveying the adjustment rules that apply for the entire life of the loan.\nPRINCIPAL_AND_INTEREST_PAYMENT_PER_CHANGE_ADJUSTMENT_RULE holds data points\nconveying the adjustment rules that apply to a single adjustment. The value of\nAdjustmentRuleType indicates whether the data points in this container pertain to the initial\nP&I payment adjustment (“First”) or the periodic payment adjustments after the first\n(“Subsequent”). Data from both containers is used to describe how the P&I payment can or\nwill change.\n\nIn MISMO v3.3.0, if the direct parent of a container has an identical, but plural, name (For\nexample: PARTIES/PARTY), then the container is said to be “repeatable.” If a use case calls for\nmore than one instance of a data point that is located under a repeatable container, the whole\ncontainer structure must repeat for each needed instance of the data point.\n\nIn MISMO v3.3.0, many containers hold basic data points that can be used in various contexts.\nThe only way to fully define the data in reusable containers is to rely on the XPath to a given\ncontainer for context. For example: NAME, ADDRESS, LEGAL ENTITY DETAIL.\n\n@ SEQUENCE NUMBER @SequenceNumber holds an integer value and is used to provide order to multiple repeating\n\nsibling elements. The @SequenceNumber value must be unique for each instance of the\nrepeatable container. For example: In the Payment Calculations section of the Projected\nPayments table, @SequenceNumber specifies the order of the columns, starting with “1” for\nthe first column on the left and incrementing to “4” if necessary to capture all the required\nbusiness data.\n"}

chunks/json/17737c9cb6e8eb6e67d04a2c51fa177ff09f392e923652832706368c8058aa5c.json

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+{"chunk":{"char_end":954990,"char_start":953527,"chunk_id":"chk_96d580768d7dc05e","chunk_index":568,"chunk_sha256":"17737c9cb6e8eb6e67d04a2c51fa177ff09f392e923652832706368c8058aa5c","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"17737c9cb6e8eb6e67d04a2c51fa177ff09f392e923652832706368c8058aa5c","token_estimate":502,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"If none, the appraiser must indicate 'None'.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nString\n\nThis is a free text field which should describe any porch, patio, or deck.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nMoney\n\nString\n\nThis field is required if the value of field e-\n19 (GSE Below Grade Finish Square Feet\nNumber) is greater than zero.\n\nThe sum of this field 3-97 and fields (3-60,\n3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3-\n76, 3-78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91,\n3-93, 3-95, 3-99, 3-101, 3-103, 3-105, 3-\n107, 3-109, 3-111) must add up to Net\nAdjustment field 3-116.\n\nThe sum of this field 3-99 and fields (3-60,\n3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3-\n76, 3-78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91,\n3-93, 3-95, 3-97, 3-101, 3-103, 3-105, 3-\n107, 3-109, 3-111) must add up to Net\nAdjustment field 3-116.\n\nThe sum of this field 3-101 and fields (3-60,\n3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3-\n76, 3-78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91,\n3-93, 3-95, 3-97, 3-99, 3-103, 3-105, 3-107,\n3-109, 3-111) must add up to Net\nAdjustment field 3-116.\n"}

chunks/json/1773ce7bd8c7a66cf91f36b25facdcfc9ab1ec141dcd2dd7f88da9285096caf3.json

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+{"chunk":{"char_end":212182,"char_start":210242,"chunk_id":"chk_edf4d2e5b7e178fb","chunk_index":123,"chunk_sha256":"1773ce7bd8c7a66cf91f36b25facdcfc9ab1ec141dcd2dd7f88da9285096caf3","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"1773ce7bd8c7a66cf91f36b25facdcfc9ab1ec141dcd2dd7f88da9285096caf3","token_estimate":485,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"30-90 days\n05/23/2018\n\nReconciliation of Market Value\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nApparent Defects, Damages, Deficiencies\n\nNone\n\nAppraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)\n\nUniform Residential Appraisal Report\n\nPage 22 of 24\nPage 22 of 24\n\nThis appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of\nassumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions\nand limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis\nnecessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the\ncertifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material\nalterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an\nappraisal organization, are permitted.\n\nScope of Work\n\nThe scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users,\nthe intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the\napplicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject\nproperty; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property\nreported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report.\n"}

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+{"chunk":{"char_end":22293,"char_start":21781,"chunk_id":"chk_767684dbc14f8435","chunk_index":27,"chunk_sha256":"1778e7e4c48506b510f04953cb5271cbc2a7d5674259132f88971bb119df36ce","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"1778e7e4c48506b510f04953cb5271cbc2a7d5674259132f88971bb119df36ce","token_estimate":492,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Overview .................................................................................................................................................................................................................................................. 66\n\nHeader ...................................................................................................................................................................................................................................................... 66\n"}

chunks/json/1782a447e207400a7de4ff0f28cffa74b12436aebcd89b42e3a84af9d5e29abc.json

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+{"chunk":{"char_end":8606,"char_start":6962,"chunk_id":"chk_8b6c92f032b391f6","chunk_index":4,"chunk_sha256":"1782a447e207400a7de4ff0f28cffa74b12436aebcd89b42e3a84af9d5e29abc","date_utc":"2026-01-27T17:45:43+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d9c7431223b2e1d2","text_sha256":"1782a447e207400a7de4ff0f28cffa74b12436aebcd89b42e3a84af9d5e29abc","token_estimate":411,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae/links/_.pdf/announcement-sel-2025-10-selling-guide-updates.pdf"]},"text":"Effective: Lenders may take advantage of these clarifications immediately.\n\nMiscellaneous update\n\nB2-1.3-01, Purchase Transactions, B2-2-03, Multiple Financed Properties for the Same Borrower, B2-2-06, Homeownership\nEducation and Housing Counseling, and B3-5.4-01, Eligibility Requirements for Loans with Nontraditional Credit: We made\nadditional miscellaneous changes to align these topics with updates previously communicated in Selling Guide Announcement\nSEL-2025-09. The minor clarifications relate to the removal of minimum credit score requirements for DU loans.\n\nLenders may contact their Fannie Mae Account Team if they have questions about this Announcement.\nHave guide questions? Get answers to all your policy questions, straight from the source. Ask Poli.\n\n© 2025 Fannie Mae SEL-2025-10 Page 3 of 4\n\nImpacted Topics\n\nSection of the Announcement\n\nUpdated Selling Guide Topics (Dated Dec. 10, 2025)\n\nHomeStyle Refresh\n\n B2-1.3-03, Cash-Out Refinance Transactions\n\n B4-1.2-02, Desktop Appraisals\n\n B4-1.2-03, Hybrid Appraisals\n\n B4-1.2-05, Requirements for Verifying Completion and Postponed\n\nImprovements\n\n B4-1.4-10, Value Acceptance\n\n B4-1.4-11, Value Acceptance + Property Data\n\n B5-3.2-01, HomeStyle Renovation Mortgages\n\n B5-3.2-03, HomeStyle Renovation Mortgages: Collateral Considerations\n\n B5-3.3, HomeStyle Refresh Mortgages\n\n B5-3.3-01, HomeStyle Refresh for Improvements on Existing Properties\n\n B7-2-06, Attorney Title Opinion Letter Requirements\n\nHomeStyle Renovation\n\n B5-3.2-02, HomeStyle Renovation Mortgages: Loan and Borrower Eligibility\n\nRemove the 3% acceptability\nrequirement for 7- and 10-year\nARMs\n"}

chunks/json/1793346f2e89cb726737a439ce647831d27f1934c7f727aa65b45270e76ab8d4.json

@@ -0,0 +1 @@
+{"chunk":{"char_end":792513,"char_start":790904,"chunk_id":"chk_bb4296b650943fb7","chunk_index":472,"chunk_sha256":"1793346f2e89cb726737a439ce647831d27f1934c7f727aa65b45270e76ab8d4","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"1793346f2e89cb726737a439ce647831d27f1934c7f727aa65b45270e76ab8d4","token_estimate":402,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Page 362 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 4: Detached Garage Examples\n\nExample 1: Detached Garage – Vehicle Storage Only\n\nIn this example, the subject has a 400 sq. ft. detached heated garage with no additional separate area.\n\nNo Outbuilding Section\n\nWhen the detached garage has no additional separate area, it is not reported as an outbuilding, so the\nOutbuilding section does not display.\n\nVehicle Storage\n\nWhen the detached garage has no additional separate area, it is reported in the Vehicle Storage section only.\nAny defects, damages, or deficiencies for the structure are reported in this section. If the garage has unique\nfeatures, they are noted in Vehicle Storage Commentary.\n•\n\nIn this example, the 400 sq. ft. detached garage is reported, and the heated garage is noted in Vehicle\nStorage Commentary.\n\nSales Comparison Approach\n\nIn this example, Comparable #1 has a 2-car heated garage with a half bath, and an additional outbuilding for\nwhich Outbuilding Type is Greenhouse.\n\nVehicle Storage Subsection\n\nInformation about the subject property’s driveway and garage populates from the Vehicle Storage section. If the\nsubject or comparable(s) have additional features that impact value and/or marketability, dynamic rows are\nutilized to support adjustments and conclusions.\n\nAppendix F-1: URAR Reference Guide\n\nPage 363 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 4: Detached Garage Examples\n\nIn this example, rows were utilized for heating and baths, and the adjustment for Comparable #1 is attributable\nexclusively to the half bath.\n\nOutbuilding Subsection\n"}

chunks/json/17a5dca3af16645cd4c40acb7392a509f1719e52358f9bb88209badb72939c0a.json

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+{"chunk":{"char_end":9706,"char_start":8105,"chunk_id":"chk_6036b8f7bccd1554","chunk_index":5,"chunk_sha256":"17a5dca3af16645cd4c40acb7392a509f1719e52358f9bb88209badb72939c0a","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"17a5dca3af16645cd4c40acb7392a509f1719e52358f9bb88209badb72939c0a","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo2_Appraisal/_.pdf/Condo2_Appraisal_v1.3.pdf"]},"text":"None\n\nSite Exhibits\n\nProperty Access (Street Scene) - East\n\nProperty Access (Street Scene) - West\n\nIf more\n\nthan 1\n\nUnit--\n\ndifferent\n\nset up\n\nThis is where the Property Access East photo would display.\n\nThis is where the Property Access West photo would display.\n\nAppraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 4 of 24\nPage 4 of 24\n\nSite (continued)\n\nSite Influence - View - Golf Course\n\nThis is where the Golf Course photo would display.\n\nDisaster Mitigation\n\nMitigation Feature\n\nImpact Resistant Glass\nImpact Resistant Shingles\n\nDisaster Mitigation Commentary\n\nThe house was built with impact resistant roof and windows for mitigation against hail and high winds.\n\nEnergy Efficient and Green Features\n\nKnown Renewable Energy Components\n\nNone\n\nBuilding Certification Organization\nUS Green Building Council\n\nCertification\nLEED\n\nKnown Efficiency Ratings\n\nNone\n\nCheck #A\n\nEnergy Efficient and Green Features Impact to Value/Marketability\n\nImpact to Value/Marketability\n\nNeutral\n\nYear\n2018\n\nVersion\nV4\n\nRating\nGold\n\nAppraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 5 of 24\nPage 5 of 24\n\nSketch\n\nMeasurement Standard\n\nANSI\n\nFloor Plan\n\nBedroom\n\n'\n\n7\n1\n\n8'\n\nStaircase\n\n38'\n\n1\n6\n\n'\n\n30'\n\n3 Car Attached\n\n34'\n\nB\na\nt\nh\n\n1/2\nBath\n\n4'\n\n4\n\n'\n\n1\n1\n\n'\n\nMud\nRoom\n\n4'\n\n1\n5\n\n'\n\nOffice\n\n'\n\n5\n1\n\nm\no\no\nR\ng\nn\nn\nD\n\ni\n\ni\n\nKitchen\n\nL1\n\n8'\n\n'\n\n0\n1\n\nFamily\nRoom\n\n'\n\n5\n\n1'\n\n'\n\n0\n1\n\n1'\n\n'\n\n5\n"}

chunks/json/17a904abf09448da41a6faabe5283ccfdf5209c9a22a5468687dab6e25c25493.json

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+{"chunk":{"char_end":38421,"char_start":36821,"chunk_id":"chk_2a8be7b32400ecba","chunk_index":22,"chunk_sha256":"17a904abf09448da41a6faabe5283ccfdf5209c9a22a5468687dab6e25c25493","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"17a904abf09448da41a6faabe5283ccfdf5209c9a22a5468687dab6e25c25493","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo2_Appraisal/_.pdf/Condo2_Appraisal_v1.3.pdf"]},"text":"Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 18 of 24\nPage 18 of 24\n\nSales Comparison Approach (continued)\n\nSales Comparison Map\n\nThis is where the map of sales and rental comparables would display.\n\nAppraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 19 of 24\nPage 19 of 24\n\nSales Comparison Approach (continued)\n\nSales Comparison Approach Exhibits\n\nComparable #1\n\nComparable #2\n\nThis is where the Comparable 1 photo would display.\n\nThis is where the Comparable 2 photo would display.\n\nComparable #3\n\nComparable #4\n\nThis is where the Comparable 3 photo would display.\n\nThis is where the Comparable 4 photo would display.\n\nRental Information\n\nRent Schedule\n\nSubject Property Rental Information\n\nCurrently\nRented\nNo\n\nOccupancy\nVacant\n\nMonthly\nRent\n$0\n\nMonth-to-\nMonth\n\nLease Start\n\nRent\nControl\nNo\n\nRent\nConcessions\n\nUtilities/\nServices\nIncluded\n\nFurnished\n\nActual Income (Monthly)\n\nRent\n\nSubtotal\n\nOther Real Property Rental Income\n\nNone\n\nSubtotal\n\nTotal\n\n$0\n\n$0\n\n$0\n\n$0\n\n$0\n\nOpinion of Market Income (Monthly)\n\nRent\n\n$3,500\n\nSubtotal\n\n$3,500\n\nOther Real Property Rental Income\n\nNone\n\nSubtotal\n\n$0\n\n$0\n\nTotal\n\n$3,500\n\nAppraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 20 of 24\nPage 20 of 24\n\nRental Information (continued)\n\nComparable Rental Properties\n"}

chunks/json/17b47b01bad291821ec27b7fa8f0f9a8f55b723164894f394718cb48b4396591.json

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+{"chunk":{"char_end":10595,"char_start":8734,"chunk_id":"chk_928f320aac7dc526","chunk_index":5,"chunk_sha256":"17b47b01bad291821ec27b7fa8f0f9a8f55b723164894f394718cb48b4396591","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2feb74b59d71b0e2","text_sha256":"17b47b01bad291821ec27b7fa8f0f9a8f55b723164894f394718cb48b4396591","token_estimate":463,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Programs___FHFA_1cz2m9.md"]},"text":"[View Program](/programs/fintech/techsprint/2024)\n\n- ## Affordable Housing & Community Investment\n\nThe Federal Home Loan Bank Affordable Housing Program is used to finance the construction, purchase or rehabilitation of housing. Fannie Mae and Freddie Mac have affordable housing goals to purchase low-income and very low-income single-family and multifamily mortgages.\n\n[View Program](/programs/affordable-housing)\n\n- ## Duty to Serve Program\n\nInformation about Duty to Serve provisions of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by the Housing and Economic Recovery Act of 2008. This statute requires Fannie Mae and Freddie Mac to serve three specified underserved markets: manufactured housing, affordable housing preservation and rural housing markets.\n\n[View Program](/programs/duty-to-serve)\n\n- ## Fannie Mae & Freddie Mac Affordable Housing Goals\n\nUnder the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by the Housing and Economic Recovery Act of 2008, Fannie Mae and Freddie Mac are subject to affordable housing goals covering their purchases of single-family mortgages and multifamily mortgages.\n\n[View Program](/programs/enterprise-affordable-housing-goals)\n\n- ## FHFA's Housing Finance Examiner Commission Program\n\nThe main objective of the program is to provide examiners with broad-based knowledge to conduct successful risk-based examinations. 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.\n"}

chunks/json/17b6173761412b24a72b2483cb43a7e18f5dd7d7c1e6e87d2b2e83e71559a041.json

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+{"chunk":{"char_end":43519,"char_start":43046,"chunk_id":"chk_59cd23eddbbe69b2","chunk_index":66,"chunk_sha256":"17b6173761412b24a72b2483cb43a7e18f5dd7d7c1e6e87d2b2e83e71559a041","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"17b6173761412b24a72b2483cb43a7e18f5dd7d7c1e6e87d2b2e83e71559a041","token_estimate":417,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Outbuilding – Arcrole Relationships ......................................................................................................................................................................................... 212\n\n13 Vehicle Storage ............................................................................................................................................................................................................................... 214\n"}

chunks/json/17b876549babc793ad6c2ad46542a652533ff2171bdf7193cdab180c85101420.json

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+{"chunk":{"char_end":30048,"char_start":28417,"chunk_id":"chk_61457ff8152edc3b","chunk_index":9,"chunk_sha256":"17b876549babc793ad6c2ad46542a652533ff2171bdf7193cdab180c85101420","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_bfc6a9e859d5b23f","text_sha256":"17b876549babc793ad6c2ad46542a652533ff2171bdf7193cdab180c85101420","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_ubpw4r.md"]},"text":"Provides answers to common questions about the UAD 3.6 and Forms Redesign.\n\n[Learn More **](https://singlefamily.fanniemae.com/media/23286/display)\n\n##### Limited Production Period Overview\n\nGuidelines to aid lenders in preparing for the Limited Production Period of the UAD 3.6 and Forms Redesign Initiative.\n\n[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-limited-production-readiness-overview)\n\n##### Limited Production Period Lender Readiness Questionnaire\n\nMust be completed by lenders who are seeking approval to participate in the UAD 3.6 and Forms Redesign Limited Production Period.\n\n[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/uad-lender-readiness-questionnaire)\n\n##### Combined Sample Scenarios\n\nAppendix D sample scenarios, combined into a single PDF to make it easier to access and review them.\n\n[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/sample-scenario-pdf)\n\n##### Condition and Quality Rating Definitions PDF\n\nPDF of previously published definitions of Condition and Quality Ratings from Appendix F-1: URAR Reference Guide.\n\n[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/condition-and-quality-rating-definitions-pdf)\n\n##### Partner Playbook\n\nDesigned to help industry partners prepare for the UAD 3.6 and Forms Redesign.\n\n[Learn More **](https://singlefamily.fanniemae.com/media/34686/display)\n\n##### Servicer Preparedness\n\nPrepares servicers for the transition for UAD 3.6.\n\n[Learn More **](/media/document/pdf/uniform-appraisal-dataset-faqs-servicers)\n\n##### Inspection and Reporting Tips\n"}

chunks/json/17c5811caa5ec764f40b54572398ed3518a5d7792cf58f4d5e0ef0064c5bfa6e.json

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chunks/json/17c7d3a6658ee30f40126dacd69d763d59814f880ea64b6bc8feeee717e81fe3.json

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+{"chunk":{"char_end":76705,"char_start":75191,"chunk_id":"chk_8ef3f5f5ffb5b828","chunk_index":123,"chunk_sha256":"17c7d3a6658ee30f40126dacd69d763d59814f880ea64b6bc8feeee717e81fe3","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"17c7d3a6658ee30f40126dacd69d763d59814f880ea64b6bc8feeee717e81fe3","token_estimate":415,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Certifications – Arcrole Relationships ...................................................................................................................................................................................... 376\n\nPage 20\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nIntroduction\n\nThe Uniform Appraisal Dataset (UAD) is a standardized industry dataset for appraisal information that is transmitted electronically through\nthe Uniform Collateral Data Portal® (UCDP®). At the direction of the Federal Housing Finance Agency (FHFA), Fannie Mae and Freddie Mac\n(the government-sponsored enterprises or GSEs) jointly developed the first UAD in 2010 using the Mortgage Industry Standards\nMaintenance Organization (MISMO®) Reference Model 2.6, providing consistent data standards for the loans the GSEs purchase.\n\nThe dataset is being updated to reflect changes to the appraisal industry, address future appraisal needs, and facilitate ongoing digitization\nin the appraisal process and the mortgage industry.\n\nIn the legacy UAD, standardized data was the key to evaluating risk at a macro level. The new dataset will build on this advancement by:\n\nPage 21\n\n• Creating consistent enumerated fields.\n\n• Keeping the related data together in each section for an easy-to-read report.\n\n• Reducing subjectivity to enhance impartiality through discrete data versus free-form text.\n\n• Having conditionality drive what sections appear on the final output, eliminating the need for multiple forms to support different\n"}

chunks/json/17caf47276889ad502eecf493e9fe03bbed4648ec5a1d246c83c070d1a9b50ac.json

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+{"chunk":{"char_end":650845,"char_start":649198,"chunk_id":"chk_45cbbe476b13cc5e","chunk_index":387,"chunk_sha256":"17caf47276889ad502eecf493e9fe03bbed4648ec5a1d246c83c070d1a9b50ac","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"17caf47276889ad502eecf493e9fe03bbed4648ec5a1d246c83c070d1a9b50ac","token_estimate":412,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Grayed Out Cells\n\nInformation that is never applicable for the subject or comparables is grayed out in the rental comparison grid.\nExample:\n• Proximity to Subject, Overall Comparison to Subject, and Adjusted Rent are not applicable for the subject units and are always grayed out.\n• Opinion of Market Rent (Monthly Market Rent for Unit) is not applicable for the comparable units and is always grayed out.\n\nCells Displaying a Dash\n\nInformation that is not applicable for the appraisal displays a dash (—) in the rental comparison grid.\nExample:\n•\n\nIf the subject or a comparable is not in a condominium, cooperative, or condop, and the row is included in the rental comparison grid, Project\nName and Project Common Amenities/Services displays a dash for the applicable property to show that the information is not applicable.\n\nAppendix F-1: URAR Reference Guide\n\nPage 289 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n23 Rental Information\n\nHow Rows Display in the Rental Comparison Grid\n\nThere are two ways that rows display in the rental comparison grid depending on characteristics of the subject and / or comparables.\n• Rows that always display\n\no Proximity to Subject\no Bedrooms\no Baths – Full | Half\no Finished Area\no Vehicle Storage | Spaces\no Summary subsection\n\n• Rows that may display if relevant to provide support for Adjusted Rent\n\nFor a full list, see Appendix F-1: URAR Reference Guide Supplement - Summary of Rows in Comparable Grids.\n\nGeneral Guidance on Rows that May Display\n\nSome rows display on the rental comparison grid if relevant:\n• To report meaningful attributes, or\n• To support conclusions, scope of work, or policy\n"}

chunks/json/17d010e4e614138da89731983b111d0a87e278b29de4221d11cce3b048ea88e5.json

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+{"chunk":{"char_end":9244,"char_start":8401,"chunk_id":"chk_2c0bfd0029d35ce1","chunk_index":6,"chunk_sha256":"17d010e4e614138da89731983b111d0a87e278b29de4221d11cce3b048ea88e5","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6fb273234d375c90","text_sha256":"17d010e4e614138da89731983b111d0a87e278b29de4221d11cce3b048ea88e5","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-numbered-closing-disclosure.pdf"]},"text":"8.10 G. Initial Escrow Payment at Closing\n8.11 Homeowner’s Insurance 8.11.1 ($ per month for n mo.) to Payee Type 8.11.2 $\n8.12.1 ($ per month for n mo.) to Payee Type 8.12.2 $\n8.12 Mortgage Insurance\n8.13.1 ($ per month for n mo.) to Payee Type 8.13.2 $\n8.13 Property Taxes\n8.14.1 ($ per month for n mo.) to Payee Type 8.14.2 $\n8.14 Escrow Item\n\n8.4.1 $\n\n8.5.3 $\n8.6.3 $\n8.7.3 $\n8.8.3 $\n8.9.3 $\n\n8.10.1 $\n\n8.5.5 $\n8.6.5 $\n8.7.5 $\n8.8.5 $\n8.9.5 $\n\n8.5.4 $\n8.6.4 $\n8.7.4 $\n8.8.4 $\n8.9.4 $\n\n8.11.4 $\n8.12.4 $\n8.13.4 $\n8.14.4 $\n\n8.5.6 $\n8.6.6 $\n8.7.6 $\n8.8.6 $\n8.9.6 $\n\n8.11.6 $\n8.12.6 $\n8.13.6 $\n8.14.6 $\n\n8.15 Aggregate Adjustment\n8.16 H. Other\n8.17 Fee Item\n\n8.17.1 to Payee Type & Name\n\n8.17.2 $\n\n8.17.3 $\n\n8.17.4 $\n\n8.17.5 $\n\n8.17.6 $\n\n8.15.2 -$\n\n8.16.1 $\n\n8.18 I. TOTAL OTHER COSTS (Borrower-Paid)\n8.19 Other Costs Subtotals (E + F + G + H)\n"}

chunks/json/17e3036280ebf36d30b8cc8f8dca5c6c45a5505e9e8a1051fdbf14140c109dc3.json

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+{"chunk":{"char_end":772856,"char_start":771126,"chunk_id":"chk_0b0a8d83273a2bf2","chunk_index":460,"chunk_sha256":"17e3036280ebf36d30b8cc8f8dca5c6c45a5505e9e8a1051fdbf14140c109dc3","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"17e3036280ebf36d30b8cc8f8dca5c6c45a5505e9e8a1051fdbf14140c109dc3","token_estimate":433,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Quality Rating Definitions\nIn each category, the property must meet the majority of the criteria listed but does not have to meet all criteria.\n\nRating\n\nOverall Quality Rating\n\nInterior Quality Rating\n\nExterior Quality Rating\n\nThe dwelling is an individually designed,\none-of-a-kind structure built to exacting\nstandards. Q1 features exceptional\nquality materials and luxury amenities,\nand exhibits the highest quality of\nworkmanship and complexity in\narchitectural design. The dwelling\nfeatures a high degree of refinement\nand ornamentation that requires\nspecialized construction or installation.\nA Q1 dwelling is recognized as being\nvery rare or even non-existent in some\ncommunities.\n\nThe dwelling is a high-quality structure,\noften using customized or complex,\ncommercially available plans. The\nmaterials and amenities have extended\nlife expectancy, high energy efficiency,\nand greater detail, ornamentation, or\ncustom finishes. A Q2 dwelling can\ncontain a mixture of upgraded, high-end\nand luxury materials, constructed with\nhigh-quality workmanship.\n\nQ1\n\nQ2\n\n•\n\n•\n\n•\n\n•\n\n•\n\n•\n\n•\n\n•\n\nSpacious rooms with high ceilings featuring\nextensive use of treatments (e.g., coved,\nbarrel, cupola, coffered, beamed) and\nexceptional grade trim and custom\nmillwork throughout.\nExceptional grade, often rare or imported\nflooring materials, frequently featuring\ninlay work or other customization.\nSpacious kitchens featuring top-grade\nmaterials, extensive cabinetry, and\ncountertop surface area; appliances and\nfixtures are frequently state of the art,\ncustom-designed, built-in, or commercial\ngrade.\nLuxury bathrooms, often oversized and\nfeaturing exceptional quality materials and\nmultiple ornate or state-of-the-art fixtures\nand features.\n"}