diff --git a/chunks/json/15d8173f8e250354d188ec615367c806cc5d1f8060751f0a8ae91c8d5805b214.json b/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"}
diff --git a/chunks/json/15f052b7b57215e8c8375d489390ecc5652611ce53d9598d82990591bf2d998f.json b/chunks/json/15f052b7b57215e8c8375d489390ecc5652611ce53d9598d82990591bf2d998f.json
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index 0000000000000000000000000000000000000000..5525049b8b45d0bbf3a590bbbc80f27554772dfc
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@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/162347cf2346a46f49907ff65c2d446149f042c10339bc860c3cef7b4c5a0bf3.json b/chunks/json/162347cf2346a46f49907ff65c2d446149f042c10339bc860c3cef7b4c5a0bf3.json
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index 0000000000000000000000000000000000000000..2feae3ca0f1826a0741b89c1f29a1157e44edf28
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+++ b/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"}
diff --git a/chunks/json/162d83336d3b623e0be775abed95bd4aa623923b11ed830d42abff70fa6ec038.json b/chunks/json/162d83336d3b623e0be775abed95bd4aa623923b11ed830d42abff70fa6ec038.json
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+++ b/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"}
diff --git a/chunks/json/162ed8218b174b5a6dad0a37f9f42ac034b437b09a1bf62fffed9b379d86db2d.json b/chunks/json/162ed8218b174b5a6dad0a37f9f42ac034b437b09a1bf62fffed9b379d86db2d.json
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index 0000000000000000000000000000000000000000..bf971774bb58bea5231478aa62871a786a2d8fe4
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+++ b/chunks/json/162ed8218b174b5a6dad0a37f9f42ac034b437b09a1bf62fffed9b379d86db2d.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/16363862e60d64306330f7b1328af46ec52a86634f15a5dc67cd71969508966d.json b/chunks/json/16363862e60d64306330f7b1328af46ec52a86634f15a5dc67cd71969508966d.json
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+++ b/chunks/json/16363862e60d64306330f7b1328af46ec52a86634f15a5dc67cd71969508966d.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/163e64bcd1765a1851d1324709321f8fc099f18aeb799d7afa98f8d03df1918e.json b/chunks/json/163e64bcd1765a1851d1324709321f8fc099f18aeb799d7afa98f8d03df1918e.json
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index 0000000000000000000000000000000000000000..6c88c7d5761c5ff7c98621e035c0d0d87316d166
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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"}
diff --git a/chunks/json/164493145fbc0960b710c3cb43792db750ec8f49a072a900cd72553ca28f4b15.json b/chunks/json/164493145fbc0960b710c3cb43792db750ec8f49a072a900cd72553ca28f4b15.json
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index 0000000000000000000000000000000000000000..b6ef7fa8682ba67e4b0df75dc2e51e5294195f5f
--- /dev/null
+++ b/chunks/json/164493145fbc0960b710c3cb43792db750ec8f49a072a900cd72553ca28f4b15.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/1652a6958bdd515fd9fb9293841cab158524d212b3f606b269d8fc7359013546.json b/chunks/json/1652a6958bdd515fd9fb9293841cab158524d212b3f606b269d8fc7359013546.json
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index 0000000000000000000000000000000000000000..d553ecefe0ea040d8ef5fa63c492671759fe3f45
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+++ b/chunks/json/1652a6958bdd515fd9fb9293841cab158524d212b3f606b269d8fc7359013546.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/1657a72306414eb82dc3a43b71f9e95ccd547879fb952de7e33ea2b16c2483b9.json b/chunks/json/1657a72306414eb82dc3a43b71f9e95ccd547879fb952de7e33ea2b16c2483b9.json
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index 0000000000000000000000000000000000000000..fae60dd79cd6884bee6fa61cb6d8abce776e24ce
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+++ b/chunks/json/1657a72306414eb82dc3a43b71f9e95ccd547879fb952de7e33ea2b16c2483b9.json
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+{"chunk":{"char_end":410776,"char_start":409169,"chunk_id":"chk_5ab93df0a16fa2a4","chunk_index":240,"chunk_sha256":"1657a72306414eb82dc3a43b71f9e95ccd547879fb952de7e33ea2b16c2483b9","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1657a72306414eb82dc3a43b71f9e95ccd547879fb952de7e33ea2b16c2483b9","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"10\n\n10\n\n10\n\n10\n\n10\n\n16\n\n16\n\n16\n\n7\n\n7\n\n7\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\n3\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Neighborhood Section\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Neighborhood Section\n\nOne and only one of fields 1-62, 1-63,\n1-64 (values of Neighborhood Property\nValue Trend Type) must be indicated.\nOne and only one of fields 1-62, 1-63,\n1-64 (values of Neighborhood Property\nValue Trend Type) must be indicated.\nOne and only one of fields 1-65, 1-66,\n1-67 (values of Neighborhood Demand\nand Supply Type) must be indicated.\nOne and only one of fields 1-65, 1-66,\n1-67 (values of Neighborhood Demand\nand Supply Type) must be indicated.\nOne and only one of fields 1-65, 1-66,\n1-67 (values of Neighborhood Demand\nand Supply Type) must be indicated.\n\nOne and only one of fields 1-68, 1-69,\n1-70 (values of Neighborhood Typical\nMarketing Time Duration Type) must\nbe indicated.\n\nOne and only one of fields 1-68, 1-69,\n1-70 (values of Neighborhood Typical\nMarketing Time Duration Type) must\nbe indicated.\n\nOne and only one of fields 1-68, 1-69,\n1-70 (values of Neighborhood Typical\nMarketing Time Duration Type) must\nbe indicated.\n\nMoney\n\nWhole dollars only.\n"}
diff --git a/chunks/json/1659e702ff155384b8b7f93f3f4d51a6b3128e8e42bfbb6c6d0c97aaa68348ff.json b/chunks/json/1659e702ff155384b8b7f93f3f4d51a6b3128e8e42bfbb6c6d0c97aaa68348ff.json
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+++ b/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"}
diff --git a/chunks/json/165ee457add78e47e126021da3e9d39f0b832d976b8451c33219864b6ea1191e.json b/chunks/json/165ee457add78e47e126021da3e9d39f0b832d976b8451c33219864b6ea1191e.json
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index 0000000000000000000000000000000000000000..8efe5666a4ad46faeb886c99a10db5cf367ce505
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+++ b/chunks/json/165ee457add78e47e126021da3e9d39f0b832d976b8451c33219864b6ea1191e.json
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diff --git a/chunks/json/166afb5cbc80cf7cb7e6d32715a53584b2ecf2c5d1512086cfd21fa3093b36b2.json b/chunks/json/166afb5cbc80cf7cb7e6d32715a53584b2ecf2c5d1512086cfd21fa3093b36b2.json
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+++ b/chunks/json/166afb5cbc80cf7cb7e6d32715a53584b2ecf2c5d1512086cfd21fa3093b36b2.json
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+{"chunk":{"char_end":514805,"char_start":513185,"chunk_id":"chk_c9bdb937bce198da","chunk_index":305,"chunk_sha256":"166afb5cbc80cf7cb7e6d32715a53584b2ecf2c5d1512086cfd21fa3093b36b2","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"166afb5cbc80cf7cb7e6d32715a53584b2ecf2c5d1512086cfd21fa3093b36b2","token_estimate":405,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Yes | No\n\nContract Date Unknown\nis only applicable to\ncomparables\n\nYes\n22.01.31\n\nContract Date Unknown\n•\n\nYes (the comp has been included in the sales grid, but the contract\ndate is unknown. In this case, “Unknown” displays)\nNo (Contract Date must be provided)\n\n•\n\n22.01.06\n22.01.30\n\nContract Date Always\n\nRequired if Contract\nDate Unknown is No\n\nmm/dd/yyyy\n\n22.01.32\n\nSale Date\n\nAlways\n\nRequired if Listing\nStatus is Settled Sale\n\nmm/dd/yyyy\n\n22.01.07\n22.01.34\n\nDays on\nMarket\n\nAlways\n\nAlways required\n\nNumber\n\nSales Contract\n•\n\nContract Date\n20.005\n\nSale Date is only\napplicable to\ncomparables\n\nSubject Listing\nInformation\n•\n\nDays on Market\n19.007 for the\nmost recent listing\n\nYes\n22.01.31\n\nContract Date: The date that a fully executed contract was signed by all\nparties.\n\nNote: If Contract Date is known, use this row to make time adjustments\nbased on changes in the market.\n\nYes\n22.01.33\n\nNote: If Contract Date is unknown, use this row to make time adjustments\nbased on changes in the market.\n\nNo\n\nDays on Market for the most recent listing.\nNotes:\n•\n\nEnter zero (0) for properties that were not listed on the open market\nthrough a publicly available source (e.g., Listing Type is FSBO (For\nSale by Owner)).\nEnter 1 for properties that were listed on the market and placed\nunder contract on the same day.\nFor all other scenarios, enter the actual days on market that apply to\nthe listing.\n\n•\n\n•\n\n22.01.35\n\nSale to List\nPrice Ratio\n\nIf relevant\n\nRequired if Listing\nStatus is not Settled\nSale, and the row is\nincluded in the sales\ncomparison grid\n\nPercent\n\nSale to List Price Ratio is\nonly applicable to\ncomparables\n"}
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diff --git a/chunks/json/168c1460cf6642edb241f7f193d4536073de9dbfb5f1173cf2a9b8eea72048aa.json b/chunks/json/168c1460cf6642edb241f7f193d4536073de9dbfb5f1173cf2a9b8eea72048aa.json
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index 0000000000000000000000000000000000000000..25b09f020c2ca93b76886d843759a358fc18a65a
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+++ b/chunks/json/168c1460cf6642edb241f7f193d4536073de9dbfb5f1173cf2a9b8eea72048aa.json
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+{"chunk":{"char_end":153126,"char_start":151514,"chunk_id":"chk_acfdfbdbd94663f4","chunk_index":83,"chunk_sha256":"168c1460cf6642edb241f7f193d4536073de9dbfb5f1173cf2a9b8eea72048aa","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"168c1460cf6642edb241f7f193d4536073de9dbfb5f1173cf2a9b8eea72048aa","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"UCD UID\n\nMISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUMEN\nT_SPECIFIC_DATA_SETS/DOCUMENT_SPECIFIC_DATA_SET/INTEGRATED_DISCLOSURE/CASH_TO_CLOSE_ITEMS/CASH_TO_CLOSE_ITEM\n\n9.081\n\nIntegratedDisclosureCashToCloseItemAmountChangedIndi\ncator\n\nfalse\n\n9.082\n\nIntegratedDisclosureCashToCloseItemChangeDescription\n\nSee Total Loan Costs (D) and\nTotal Other Costs (I)\n\n9.079\n\nIntegratedDisclosureCashToCloseItemEstimatedAmount\n\n9.080\n\nIntegratedDisclosureCashToCloseItemFinalAmount\n\n9.078\n\nIntegratedDisclosureCashToCloseItemType\n\n15000.00\n\n15000.00\n\nLoanAmount\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUMEN\nT_SPECIFIC_DATA_SETS/DOCUMENT_SPECIFIC_DATA_SET/INTEGRATED_DISCLOSURE/CASH_TO_CLOSE_ITEMS/CASH_TO_CLOSE_ITEM\n\n9.081\n\nIntegratedDisclosureCashToCloseItemAmountChangedIndi\ncator\n\ntrue\n\n9.082\n\nIntegratedDisclosureCashToCloseItemChangeDescription\n\nSee Total Loan Costs (D) and\nTotal Other Costs (I)\n\n9.079\n\nIntegratedDisclosureCashToCloseItemEstimatedAmount\n\n9.080\n\nIntegratedDisclosureCashToCloseItemFinalAmount\n\n-5099.00\n\n-5757.00\n\n9.078\n\nIntegratedDisclosureCashToCloseItemType\n\nTotalClosingCosts\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUMEN\nT_SPECIFIC_DATA_SETS/DOCUMENT_SPECIFIC_DATA_SET/INTEGRATED_DISCLOSURE/CASH_TO_CLOSE_ITEMS/CASH_TO_CLOSE_ITEM\n\n9.081\n\nIntegratedDisclosureCashToCloseItemAmountChangedIndi\ncator\n\ntrue\n\n9.082\n\nIntegratedDisclosureCashToCloseItemChangeDescription\n"}
diff --git a/chunks/json/1696523c657bf80844e709e918c6403ad7dde3bace18c8c18eb4bea2d5b8f8e3.json b/chunks/json/1696523c657bf80844e709e918c6403ad7dde3bace18c8c18eb4bea2d5b8f8e3.json
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+++ b/chunks/json/1696523c657bf80844e709e918c6403ad7dde3bace18c8c18eb4bea2d5b8f8e3.json
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+{"chunk":{"char_end":26870,"char_start":24852,"chunk_id":"chk_ffe9b314d8e41a08","chunk_index":18,"chunk_sha256":"1696523c657bf80844e709e918c6403ad7dde3bace18c8c18eb4bea2d5b8f8e3","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6a5de7e7b0279ba0","text_sha256":"1696523c657bf80844e709e918c6403ad7dde3bace18c8c18eb4bea2d5b8f8e3","token_estimate":505,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.pdf/uad-puf-2.1-data-documentation.pdf"]},"text":"5b. Weighting\n\nIn the UAD Appraisal-Level PUF, the data field “weight” represents the inverse probability of selecting\nthe appraisal record for a given year. Because FHFA used the same sampling rate (5 percent) across all\nyears, all UAD Appraisal-Level PUF appraisal records will have the same value (20) for the weight data\nfield.\n\nUsers must utilize the weight data field to produce accurate appraisal counts and variance estimates.\nHowever, users do not need to utilize the weight data field for other types of estimates such as means,\nmedians, or percentages. Users may want to include the weight in regression analyses but may also\nchoose not to.\n\n5c. Variance Estimation\n\nDue to the simplicity of the stratified simple random sample design, users can estimate variances using\nstandard formulas without the need to consider the sample design. In certain circumstances, users may\nwish to incorporate strata into their variance estimation. For those circumstances, the table in Section 4a\nprovides population totals for each stratum.\n\n6. Geography in the UAD Appraisal-Level PUF\n\nThe UAD Appraisal-Level PUF includes state, county, and census tract, subject to the disclosure\navoidance techniques described in Section 4f. This combination of geographic indicators allows users to\ncreate estimates for other types of geographic areas, including Census Divisions and Core Based\nStatistical Areas (CBSAs).\n\nAs noted in Section 2, the Enterprise UAD Appraisal-Level PUF includes a sample of appraisal records\nfrom 2013 through 2022. For years of data from 2013 to 2021, the PUF records include state, county, and\ncensus tract boundaries from the 2010 census vintage. For year 2022, the PUF records switch to the 2020\ncensus vintage of state, county, and census tract boundaries. Similarly, the FHA Appraisal-level PUF\nincludes a sample of appraisal records from 2017 through 2021 with geographic boundaries from the\n2010 Census vintage. For the year 2022 records, the 2020 census vintage geographic boundaries are\nused.\n"}
diff --git a/chunks/json/169f2d2558177339169141c1c9c3b70cfa4d041d0ad711df8fa173289c3aba2e.json b/chunks/json/169f2d2558177339169141c1c9c3b70cfa4d041d0ad711df8fa173289c3aba2e.json
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index 0000000000000000000000000000000000000000..1b28c094f3fd17549dc879364fa0f3a59a241bc6
--- /dev/null
+++ b/chunks/json/169f2d2558177339169141c1c9c3b70cfa4d041d0ad711df8fa173289c3aba2e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1806,"char_start":0,"chunk_id":"chk_77b6cc4edd69481c","chunk_index":0,"chunk_sha256":"169f2d2558177339169141c1c9c3b70cfa4d041d0ad711df8fa173289c3aba2e","date_utc":"2026-01-27T18:04:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c56c33a78cfe9db0","text_sha256":"169f2d2558177339169141c1c9c3b70cfa4d041d0ad711df8fa173289c3aba2e","token_estimate":485,"warnings":["source_path=Assorted/_.pdf/Appendix B-3 Completion Report Implementation Guide.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix B-3: Completion Report Implementation Guide\nDocument Version 1.3\nJune 10, 2025\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency.\n©2025 Freddie Mac and Fannie Mae. Trademarks of the respective owners\n\nPage 2\n\nRevision History\n\nDate\n\nVersion\n\nChange #\n\niGuide Chapter\n\nRevision Description\n\n06/10/2025\n\n1.3\n\n2025-002\n\n02 Original Appraisal\n\n2025-040\n\n07 Completion Report\nExhibits\n\nRemoved ValuationReconciliationConditionsCommentDescription from the table,\nwhich should have been removed under 2024-021\nUpdated the ImageCaptionCommentDescription Unique ID from 1400.1012 to\n4000.1001 due to an overlap with the URAR Unique ID.\n\n2024-028 Header and Footer\n\nUpdated DocumentFormIssuingEntityVersionIdentifier\n\n2024-044 Header and Footer\n\nAdded information for allowing additional text in the footer\n\n09/17/2024\n\n1.2\n\n2024-021\n\n02 Original Appraisal\n\nRemoved two enumerations from PropertyValuationConditionalConclusionType (UID:\n2800.0002, FID: 02.003) and removed\nValuationReconciliationConditionsCommentDescription (UID: 2800.0047, FID: 02.007)\n\n2024-019\n\n05 Completion Status\n\nUpdated snippet for Figure 5 - 03\n\n2023-003\n\n09 Certifications and\nScope of Work\n\nUpdated Supervisory Appraiser Certs\n\n12/12/2023\n\n1.1\n\n2023-061 Header and Footer\n\nUpdated DocumentFormIssuingEntityVersionIdentifier\n\n03/29/2023\n\n1.0\n\nInitial Publication\n\nPage 3\n\nTable of Contents\n\nRevision History ............................................................................................................................................................................................................... 2\n"}
diff --git a/chunks/json/16a287e87c2309a028a2de519947003d096c0cf884c4024dd5c9c32f2c7eabe3.json b/chunks/json/16a287e87c2309a028a2de519947003d096c0cf884c4024dd5c9c32f2c7eabe3.json
new file mode 100644
index 0000000000000000000000000000000000000000..6bd524dc06696fdd1394f54b659a506ad71d3581
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+++ b/chunks/json/16a287e87c2309a028a2de519947003d096c0cf884c4024dd5c9c32f2c7eabe3.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/16a90b7dcc339be4ce8e97e97edf7474eeb5f10ae524bc3000c0ec51d71b4b15.json b/chunks/json/16a90b7dcc339be4ce8e97e97edf7474eeb5f10ae524bc3000c0ec51d71b4b15.json
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index 0000000000000000000000000000000000000000..68ecdc7df0333df33166c29c4171a571f593ccda
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+++ b/chunks/json/16a90b7dcc339be4ce8e97e97edf7474eeb5f10ae524bc3000c0ec51d71b4b15.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/16af7537bb6f9924d6c4b056e1020bdf62eacb708907445f0e620412d3683833.json b/chunks/json/16af7537bb6f9924d6c4b056e1020bdf62eacb708907445f0e620412d3683833.json
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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"}
diff --git a/chunks/json/16b1cef69befb32ebd7d29220ff49f556c2705b20d4f4485ad7cdb399dfa3295.json b/chunks/json/16b1cef69befb32ebd7d29220ff49f556c2705b20d4f4485ad7cdb399dfa3295.json
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index 0000000000000000000000000000000000000000..fa559316266fa6044817b991bd660500b7dc0cc4
--- /dev/null
+++ b/chunks/json/16b1cef69befb32ebd7d29220ff49f556c2705b20d4f4485ad7cdb399dfa3295.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/16bb71818b28d9f534a30a4775ecb66692943e5402c588137b19d72ed4c10fcc.json b/chunks/json/16bb71818b28d9f534a30a4775ecb66692943e5402c588137b19d72ed4c10fcc.json
new file mode 100644
index 0000000000000000000000000000000000000000..92a7320aa3f65e7484bd552b761433547e4b9be0
--- /dev/null
+++ b/chunks/json/16bb71818b28d9f534a30a4775ecb66692943e5402c588137b19d72ed4c10fcc.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/16c4ba2b30f56450e88e8f3ca9d95a045397a1833f06404388d97fa37987c071.json b/chunks/json/16c4ba2b30f56450e88e8f3ca9d95a045397a1833f06404388d97fa37987c071.json
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index 0000000000000000000000000000000000000000..43fd51335e8c22033435b9d2622364fff806c5a0
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+++ b/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"}
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index 0000000000000000000000000000000000000000..cc74eea82a2ac18f01bfa5229fd65c2c6ddac3dc
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+++ b/chunks/json/16d067a0c902701cd71c1c4c8a8dec38fd9b2cc8fc27ce118b59e9be56d04380.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/16db5884f471e1b20f6a6a01a74221319faaa323ec57ab072faa54462d6b4d16.json b/chunks/json/16db5884f471e1b20f6a6a01a74221319faaa323ec57ab072faa54462d6b4d16.json
new file mode 100644
index 0000000000000000000000000000000000000000..f4b36f1fd36e0563b9e569ef4248ba84d2fe5dfb
--- /dev/null
+++ b/chunks/json/16db5884f471e1b20f6a6a01a74221319faaa323ec57ab072faa54462d6b4d16.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/17033613b58e82a45feec1928f6622d45abab4ed4df3a79716d8e232e3be0dde.json b/chunks/json/17033613b58e82a45feec1928f6622d45abab4ed4df3a79716d8e232e3be0dde.json
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index 0000000000000000000000000000000000000000..d768ce9c19735218fe3a9e60ec902e55183cc020
--- /dev/null
+++ b/chunks/json/17033613b58e82a45feec1928f6622d45abab4ed4df3a79716d8e232e3be0dde.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/170cea7566dd10e3902d4322470850dfe358dddd3762342d8fcf7356ed1ac26e.json b/chunks/json/170cea7566dd10e3902d4322470850dfe358dddd3762342d8fcf7356ed1ac26e.json
new file mode 100644
index 0000000000000000000000000000000000000000..ee2fc14c2b6dbab89d49be63611bf37efdf932fe
--- /dev/null
+++ b/chunks/json/170cea7566dd10e3902d4322470850dfe358dddd3762342d8fcf7356ed1ac26e.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/171369761e8041b1beac0ea46f375cae621cc21fd92319ed0a5e64d50247776b.json b/chunks/json/171369761e8041b1beac0ea46f375cae621cc21fd92319ed0a5e64d50247776b.json
new file mode 100644
index 0000000000000000000000000000000000000000..984f66d712c8234ca16b59dfc4002d4ee8fca9b2
--- /dev/null
+++ b/chunks/json/171369761e8041b1beac0ea46f375cae621cc21fd92319ed0a5e64d50247776b.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/172471ff291351da44757813f1e61a75b606e3078e915b97179e2524f93d2e81.json b/chunks/json/172471ff291351da44757813f1e61a75b606e3078e915b97179e2524f93d2e81.json
new file mode 100644
index 0000000000000000000000000000000000000000..0721a6d11bfa00878d3b8a929cf4615e84b94af6
--- /dev/null
+++ b/chunks/json/172471ff291351da44757813f1e61a75b606e3078e915b97179e2524f93d2e81.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/17302cd8b57990fe19dd8376b656ef3f3a42d9a6b52c599ae036315eca2c187f.json b/chunks/json/17302cd8b57990fe19dd8376b656ef3f3a42d9a6b52c599ae036315eca2c187f.json
new file mode 100644
index 0000000000000000000000000000000000000000..2a71e0bacf85699703c1a02357e1dd83ddbc10ab
--- /dev/null
+++ b/chunks/json/17302cd8b57990fe19dd8376b656ef3f3a42d9a6b52c599ae036315eca2c187f.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/1741925c3d304a40b9b4e89f0cd2786523b69dc1481954b1e62471d46b91e60f.json b/chunks/json/1741925c3d304a40b9b4e89f0cd2786523b69dc1481954b1e62471d46b91e60f.json
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index 0000000000000000000000000000000000000000..ef0bfddb4a2019b3ea05f9433acf2b6b82eac08f
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+++ b/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"}
diff --git a/chunks/json/1756108848c12d7343c63dc88c1d8d78f6bcd06b9e6ced98f47dc8e7b2f79aae.json b/chunks/json/1756108848c12d7343c63dc88c1d8d78f6bcd06b9e6ced98f47dc8e7b2f79aae.json
new file mode 100644
index 0000000000000000000000000000000000000000..5e2cc07e63e4e42633aeafaa0b58874513860432
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+++ b/chunks/json/1756108848c12d7343c63dc88c1d8d78f6bcd06b9e6ced98f47dc8e7b2f79aae.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/1763dca7037062c24dc2342b75440ac4206404f0d05d687d51c5eda444f121a1.json b/chunks/json/1763dca7037062c24dc2342b75440ac4206404f0d05d687d51c5eda444f121a1.json
new file mode 100644
index 0000000000000000000000000000000000000000..0004c3db7120a5da670a01b8866a436759050b27
--- /dev/null
+++ b/chunks/json/1763dca7037062c24dc2342b75440ac4206404f0d05d687d51c5eda444f121a1.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/17664cf126f21fc0c2473b77c9e05f5da5aef76f1c30d457de970e1899b577ee.json b/chunks/json/17664cf126f21fc0c2473b77c9e05f5da5aef76f1c30d457de970e1899b577ee.json
new file mode 100644
index 0000000000000000000000000000000000000000..3f1a2eee6e3658a5e72c854ae4992ae61dc39e82
--- /dev/null
+++ b/chunks/json/17664cf126f21fc0c2473b77c9e05f5da5aef76f1c30d457de970e1899b577ee.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/17730ed5dfe9d23508e561a67ef6d98022caf8ddb1d1def3feddc9198919a0b8.json b/chunks/json/17730ed5dfe9d23508e561a67ef6d98022caf8ddb1d1def3feddc9198919a0b8.json
new file mode 100644
index 0000000000000000000000000000000000000000..cfe4171f4192ce959750fe9038f3488052d82853
--- /dev/null
+++ b/chunks/json/17730ed5dfe9d23508e561a67ef6d98022caf8ddb1d1def3feddc9198919a0b8.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/17737c9cb6e8eb6e67d04a2c51fa177ff09f392e923652832706368c8058aa5c.json b/chunks/json/17737c9cb6e8eb6e67d04a2c51fa177ff09f392e923652832706368c8058aa5c.json
new file mode 100644
index 0000000000000000000000000000000000000000..b918dde57f24a9a39c1525b0054dbf8bced8edce
--- /dev/null
+++ b/chunks/json/17737c9cb6e8eb6e67d04a2c51fa177ff09f392e923652832706368c8058aa5c.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/1773ce7bd8c7a66cf91f36b25facdcfc9ab1ec141dcd2dd7f88da9285096caf3.json b/chunks/json/1773ce7bd8c7a66cf91f36b25facdcfc9ab1ec141dcd2dd7f88da9285096caf3.json
new file mode 100644
index 0000000000000000000000000000000000000000..e9b980ce505493e8df9c8cbc241a98e392632248
--- /dev/null
+++ b/chunks/json/1773ce7bd8c7a66cf91f36b25facdcfc9ab1ec141dcd2dd7f88da9285096caf3.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/1778e7e4c48506b510f04953cb5271cbc2a7d5674259132f88971bb119df36ce.json b/chunks/json/1778e7e4c48506b510f04953cb5271cbc2a7d5674259132f88971bb119df36ce.json
new file mode 100644
index 0000000000000000000000000000000000000000..1f3b4cf27a63bc0c4002a4e74d3a68e944cd30b5
--- /dev/null
+++ b/chunks/json/1778e7e4c48506b510f04953cb5271cbc2a7d5674259132f88971bb119df36ce.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/1782a447e207400a7de4ff0f28cffa74b12436aebcd89b42e3a84af9d5e29abc.json b/chunks/json/1782a447e207400a7de4ff0f28cffa74b12436aebcd89b42e3a84af9d5e29abc.json
new file mode 100644
index 0000000000000000000000000000000000000000..ed5c7d6cf70f72c91dd47edc741e50d278df8028
--- /dev/null
+++ b/chunks/json/1782a447e207400a7de4ff0f28cffa74b12436aebcd89b42e3a84af9d5e29abc.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/1793346f2e89cb726737a439ce647831d27f1934c7f727aa65b45270e76ab8d4.json b/chunks/json/1793346f2e89cb726737a439ce647831d27f1934c7f727aa65b45270e76ab8d4.json
new file mode 100644
index 0000000000000000000000000000000000000000..0ba9f0f8676946abeaa6c14e29509eaa6dffb3e6
--- /dev/null
+++ b/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"}
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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"}
diff --git a/chunks/json/17a904abf09448da41a6faabe5283ccfdf5209c9a22a5468687dab6e25c25493.json b/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"}
diff --git a/chunks/json/17b47b01bad291821ec27b7fa8f0f9a8f55b723164894f394718cb48b4396591.json b/chunks/json/17b47b01bad291821ec27b7fa8f0f9a8f55b723164894f394718cb48b4396591.json
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index 0000000000000000000000000000000000000000..0cec08412b3f1a1cfa160a0b222d02b31b4cbf8f
--- /dev/null
+++ b/chunks/json/17b47b01bad291821ec27b7fa8f0f9a8f55b723164894f394718cb48b4396591.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/17b6173761412b24a72b2483cb43a7e18f5dd7d7c1e6e87d2b2e83e71559a041.json b/chunks/json/17b6173761412b24a72b2483cb43a7e18f5dd7d7c1e6e87d2b2e83e71559a041.json
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+++ b/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"}
diff --git a/chunks/json/17b876549babc793ad6c2ad46542a652533ff2171bdf7193cdab180c85101420.json b/chunks/json/17b876549babc793ad6c2ad46542a652533ff2171bdf7193cdab180c85101420.json
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+++ b/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"}
diff --git a/chunks/json/17c5811caa5ec764f40b54572398ed3518a5d7792cf58f4d5e0ef0064c5bfa6e.json b/chunks/json/17c5811caa5ec764f40b54572398ed3518a5d7792cf58f4d5e0ef0064c5bfa6e.json
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diff --git a/chunks/json/17c7d3a6658ee30f40126dacd69d763d59814f880ea64b6bc8feeee717e81fe3.json b/chunks/json/17c7d3a6658ee30f40126dacd69d763d59814f880ea64b6bc8feeee717e81fe3.json
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index 0000000000000000000000000000000000000000..0de0678501135d923f2fbb484a011e3b6eb6da03
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+++ b/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"}
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+++ b/chunks/json/17caf47276889ad502eecf493e9fe03bbed4648ec5a1d246c83c070d1a9b50ac.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/17d010e4e614138da89731983b111d0a87e278b29de4221d11cce3b048ea88e5.json b/chunks/json/17d010e4e614138da89731983b111d0a87e278b29de4221d11cce3b048ea88e5.json
new file mode 100644
index 0000000000000000000000000000000000000000..b90e8bbffa25403bde06666f351cf81e7d781560
--- /dev/null
+++ b/chunks/json/17d010e4e614138da89731983b111d0a87e278b29de4221d11cce3b048ea88e5.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/17e3036280ebf36d30b8cc8f8dca5c6c45a5505e9e8a1051fdbf14140c109dc3.json b/chunks/json/17e3036280ebf36d30b8cc8f8dca5c6c45a5505e9e8a1051fdbf14140c109dc3.json
new file mode 100644
index 0000000000000000000000000000000000000000..ad3580058ccfd9063af559d566f587c7934f305d
--- /dev/null
+++ b/chunks/json/17e3036280ebf36d30b8cc8f8dca5c6c45a5505e9e8a1051fdbf14140c109dc3.json
@@ -0,0 +1 @@
+{"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"}
diff --git a/chunks/json/17e93455551e1e597ffadf931254100bd12721c8e4523f4fc035bc2868ac1680.json b/chunks/json/17e93455551e1e597ffadf931254100bd12721c8e4523f4fc035bc2868ac1680.json
new file mode 100644
index 0000000000000000000000000000000000000000..222dcf1fdb9b5c4cfcb18fba9ffbd77394792482
--- /dev/null
+++ b/chunks/json/17e93455551e1e597ffadf931254100bd12721c8e4523f4fc035bc2868ac1680.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":200194,"char_start":198591,"chunk_id":"chk_18006067dd46d270","chunk_index":197,"chunk_sha256":"17e93455551e1e597ffadf931254100bd12721c8e4523f4fc035bc2868ac1680","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"17e93455551e1e597ffadf931254100bd12721c8e4523f4fc035bc2868ac1680","token_estimate":401,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Non-Residential Use\n\n4.020.1\n\n1400.0619\n\nImageCategoryType/PropertyAccess\n\nProperty Access (Street Scene)\n\n4.025.1\n\n1400.0638\n\n4.032.1\n\n1400.0638\n\nImageCategoryType/SiteInfluence\nImageCategoryType/PermanentWaterfrontF\neature\n\nSite Influence\n\nPermanent Waterfront Feature\n\nDisplay when image provided\n\n4.034.1\n\n1400.0638\n\nImageCategoryType/WaterFrontage\n\nWater Frontage\n\n4.039.1\n\n1400.0638\n\nImageCategoryType/View\n\nView\n\nDisplay when\nPrivateAccessIndicator= “true”\nDisplay when image provided\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nCR IF PropertyMixedUsageIndicator =\n\"true\"\nRequired\n\nDisplay when image provided\n\nUnique ID MISMO Data Point/Enumerated Value\n\nImage Header\n\nConditionality\n\nSite Exhibits\n\nPage 139\n\nReport\nField ID\n4.059.1\n\n1400.0638\n\nImageCategoryType/Encroachment\n\nEncroachment\n\n4.063.1\n\n1400.0638\n\nImageCategoryType/SiteCharacteristic\n\nSite Characteristic\n\n4.117.1\n\n1400.0638\n\nImageCategoryType/SiteExhibit\n\nuser provided text only\n\n4.118.1\n\n1400.0638\n\nImageCategoryType/LandComparableMap\n\nMap of Land Comparables\n\n4.119.1\n\n1400.0638\n\n4.100.1\n\n3900.0123\n\nImageCategoryType/PropertyBoundaries\nImages provided for Apparent Defects,\nDamages, Deficiencies (Site) must be\ndelivered in the DEFECT container.\n\n4.100.2\n\n1400.0922\n\nProperty Boundaries\nApparent Defects, Damages, Deficiencies –\nfollowed by\nDefectComponentLabelTypeOtherDescription\nUser provided text follows [Apparent Defects,\nDamages, Deficiencies – followed by\nDefectComponentLabelTypeOtherDescription]\n\nDisplay when image provided\n\nDisplay when image provided\n\nDisplay when image provided\n\nDisplay when image provided\n"}
diff --git a/chunks/json/18011e0919a79c63acf296913f166625e90bec845c134da75b0a5599704d292e.json b/chunks/json/18011e0919a79c63acf296913f166625e90bec845c134da75b0a5599704d292e.json
new file mode 100644
index 0000000000000000000000000000000000000000..5fdada7a290a6141bf5589d6efd8600e2e97a11c
--- /dev/null
+++ b/chunks/json/18011e0919a79c63acf296913f166625e90bec845c134da75b0a5599704d292e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":16654,"char_start":15030,"chunk_id":"chk_c4766a867bd05d1c","chunk_index":9,"chunk_sha256":"18011e0919a79c63acf296913f166625e90bec845c134da75b0a5599704d292e","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"18011e0919a79c63acf296913f166625e90bec845c134da75b0a5599704d292e","token_estimate":406,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"Outbuilding - [Outbuilding Type]\n\nConsidered Real Property\nUnits in Structure\nAttached to Permanent Foundation\nStructure Volume\nGross Building Area\n\nGross Building Area for the outbuilding includes area for vehicle storage,\nADU(s), and any other uses\n\nDetail\n\nHeating\nCooling\n\nUtilities\n\nYes No\n \n \n\nThe table below depicts the area of the outbuilding, excluding vehicle\nstorage and any ADU(s)\n\nFinish\nFinished\n\nUnfinished\n\nTotal Area\n\nRoom Summary\n\nMechanical System Details\n\nSystem\n\nDetail\n\nOther Mechanical Systems\n\nHeating\n\nCooling\n\nApparent Defects, Damages, Deficiencies ([Outbuilding Type])\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\n\nLocation\n\nDescription\n\nAffects Soundness or\nStructural Integrity\n\nRecommended\nAction\n\nOutbuilding Commentary\n\nOutbuilding Exhibits\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nVehicle Storage\n\nStorage\n\nNumber of Parking Spaces\n\nDetail\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\n\nLocation\n\nDescription\n\nAffects Soundness or\nStructural Integrity\n\nRecommended\nAction\n\nVehicle Storage Commentary\n\nVehicle Storage Exhibits\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nSubject Property Amenities\n"}
diff --git a/chunks/json/1802ef89d2f62440642a2169a624418a42d544573807c987431b72391221c472.json b/chunks/json/1802ef89d2f62440642a2169a624418a42d544573807c987431b72391221c472.json
new file mode 100644
index 0000000000000000000000000000000000000000..8db9af128fe5cd5b9a627636b4a90ec3354e0641
--- /dev/null
+++ b/chunks/json/1802ef89d2f62440642a2169a624418a42d544573807c987431b72391221c472.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":41208,"char_start":39064,"chunk_id":"chk_d7f63fba842efd7d","chunk_index":23,"chunk_sha256":"1802ef89d2f62440642a2169a624418a42d544573807c987431b72391221c472","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"1802ef89d2f62440642a2169a624418a42d544573807c987431b72391221c472","token_estimate":536,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"tract_rural\n\nRural Census Tract\n\n1 = Yes\n0 = No\n\n59\n\n1\n\ncounty_lower_\nms_delta\n\nLower Mississippi Delta\nCounty\n\n1 = Yes\n0 = No\n\n60\n\n1\n\ncounty_mid_\nappalachia\n\nMiddle Appalachia\nCounty\n\n1 = Yes\n0 = No\n\n61\n\n1\n\ncounty_persistent_\npoverty\n\nPersistent Poverty County 1 = Yes\n0 = No\n\nProperty value is reported as the midpoint for\nthe $10,000 interval into which the reported\nvalue falls.\nProperty is located in this geographical area\nthat the Duty to Serve regulation (12 CFR\n1282.31-1282.41) identifies for Enterprise\nefforts. The values for this field are supplied\nby FHFA.\nProperty is located in this geographical area\nthat the Duty to Serve regulation (12 CFR\n1282.31-1282.41) identifies for Enterprise\nefforts. The values for this field are supplied\nby FHFA.\nProperty is located in this geographical area\nthat the Duty to Serve regulation (12 CFR\n1282.31-1282.41) identifies for Enterprise\nefforts. The values for this field are supplied\nby FHFA.\nProperty is located in this geographical area\nthat the Duty to Serve regulation (12 CFR\n1282.31-1282.41) identifies for Enterprise\nefforts. The values for this field are supplied\nby FHFA.\n\nSF CTF\n\n31\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nSingle-Family Properties\nCensus Tract File\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n62\n\narea_concentrated_\npoverty\n\nArea of Concentrated\nPoverty\n\n1 = Yes\n0 = No\n\n63\n\n1\n\narea_high_opp\n\nHigh Opportunity Area\n\n64\n\n1\n\ntract_colonias\n\nColonias Tract\n\n1 = Yes\n0 = No\n\n1 = Yes\n0 = No\n\nProperty is located in this geographical area\nthat the Duty to Serve regulation (12 CFR\n1282.31-1282.41) identifies for Enterprise\nefforts. The values for this field are supplied\nby FHFA.\nProperty is located in this geographical area\nthat the Duty to Serve regulation (12 CFR\n1282.31-1282.41) identifies for Enterprise\nefforts. The values for this field are supplied\nby FHFA.\nProperty is located in this geographical area\nthat the Duty to Serve regulation (12 CFR\n1282.31-1282.41) identifies for Enterprise\nefforts. The values for this field are supplied\nby FHFA.\n"}
diff --git a/chunks/json/1810dd042eb6b17e8215efe3b1e21826fec673be6de6a80a000334c134575cf3.json b/chunks/json/1810dd042eb6b17e8215efe3b1e21826fec673be6de6a80a000334c134575cf3.json
new file mode 100644
index 0000000000000000000000000000000000000000..0182f40555d8ea8f4d10f1de314a8b5f7d1f3b00
--- /dev/null
+++ b/chunks/json/1810dd042eb6b17e8215efe3b1e21826fec673be6de6a80a000334c134575cf3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":580892,"char_start":579267,"chunk_id":"chk_c16f83ba6b4b0b30","chunk_index":334,"chunk_sha256":"1810dd042eb6b17e8215efe3b1e21826fec673be6de6a80a000334c134575cf3","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"1810dd042eb6b17e8215efe3b1e21826fec673be6de6a80a000334c134575cf3","token_estimate":406,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Assignment Reason: Refinance\nProperty Valuation Method: Traditional Appraisal\nConstruction Method: Site Built\nAppraisal is made As Is, with no Defects, Damages, or Deficiencies\nSales Comparison Approach section includes Additional Properties Analyzed Not Used\nRevision History including Borrower-Initiated Reconsideration of Value\n\nNote: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to\ninformation in the URAR.\n\nThe URAR sample scenario begins on the next page.\nThis cover section, including Introduction and Key Characteristics,\nis not part of the URAR.\n\nUniform Residential Appraisal Report\n\n213 TREE STAND RD, ANYTOWN, MD 09992\n\nSUMMARY\n\nOpinion of Market Value\n\n$350,000\n\nMarket Value Condition\n\nAs Is\n\n+.5 li #\n\nonly in\n\nSummary\n\nEffective Date of Appraisal\nAssignment Reason\nBorrower Name\nCurrent Owner of Public Record\nListing Status\n\n03/03/2024\nRefinance\nJane Doe\nJane Doe\nNone\n\nProperty Valuation Method\nAppraiser Name\n\nTraditional Appraisal\nJohn Appraiser\n\nProperty Description\n\nConstruction Method\nAttachment Type\n\nPlanned Unit Development (PUD)\nCondominium\nCooperative\nCondop\nSubject Site Owned in Common\n\nSite Built\nDetached\n\nOverall Quality\nOverall Condition\n\nQ4\nC3\n\nYes No\n \n \n \n \n \n\nYes No\n \n\nThis is where the Dwelling Front photo would display.\n\nUnits Excluding ADUs\nAccessory Dwelling Units\nProperty Rights Appraised\n\n1\n0\nFee Simple\n\nIs the highest and best use of the subject property as\nimproved (or as proposed per plans and specifications)\nthe present use?\n\nZoning Compliance\n\nLegal\n\nApparent Defects, Damages, Deficiencies Requiring Action\n"}
diff --git a/chunks/json/18158cfc334849c53792012f6502eb7c0dbc35882151f5c3c11caf7f92a4103c.json b/chunks/json/18158cfc334849c53792012f6502eb7c0dbc35882151f5c3c11caf7f92a4103c.json
new file mode 100644
index 0000000000000000000000000000000000000000..68b608763bbc2ab24b19849d50b03c66ae592e01
--- /dev/null
+++ b/chunks/json/18158cfc334849c53792012f6502eb7c0dbc35882151f5c3c11caf7f92a4103c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":41408,"char_start":40712,"chunk_id":"chk_cfbbf7baf152af92","chunk_index":62,"chunk_sha256":"18158cfc334849c53792012f6502eb7c0dbc35882151f5c3c11caf7f92a4103c","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"18158cfc334849c53792012f6502eb7c0dbc35882151f5c3c11caf7f92a4103c","token_estimate":608,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Functional Obsolescence Commentary .................................................................................................................................................................................... 201\n\nFunctional Obsolescence Exhibits ............................................................................................................................................................................................ 201\n\n12 Outbuilding ..................................................................................................................................................................................................................................... 202\n"}
diff --git a/chunks/json/1816c22662c3fe78438cd95cea7c65c4ea4e8cc4eebc344908392081d1d793be.json b/chunks/json/1816c22662c3fe78438cd95cea7c65c4ea4e8cc4eebc344908392081d1d793be.json
new file mode 100644
index 0000000000000000000000000000000000000000..bc7d920170b529a73a8f18d2c81c87e215176295
--- /dev/null
+++ b/chunks/json/1816c22662c3fe78438cd95cea7c65c4ea4e8cc4eebc344908392081d1d793be.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1616,"char_start":0,"chunk_id":"chk_71416f5a6b1455bd","chunk_index":0,"chunk_sha256":"1816c22662c3fe78438cd95cea7c65c4ea4e8cc4eebc344908392081d1d793be","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_882b8fe454c060e8","text_sha256":"1816c22662c3fe78438cd95cea7c65c4ea4e8cc4eebc344908392081d1d793be","token_estimate":404,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/uad-36-inspection-and-reporting-tips.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\nIssued by Fannie Mae and Freddie Mac\nInspection and Reporting Tips for Appraisers\nDocument Version 1.0\nOctober 21, 2025\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal\nHousing Finance Agency.\n© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nRevision History\n\nDate\n\nVersion #\n\nDescription\n\n10/21/2025\n\n1.0\n\nInitial publication\n\nIntroduction\n\nThe purpose of this document is to assist the appraiser by highlighting the notable differences between\nUAD 3.6 and UAD 2.6, and direct the appraiser to appropriate section(s) in the Uniform Residential\nAppraisal Report (URAR) Reference Guide on the Fannie Mae and Freddie Mac UAD web pages.\n\nThe document offers tips for different sections within the URAR that may be helpful to an individual who\nis completing various aspects of an appraisal assignment.\n\n•\n\nInspection Tips: When physically inspecting the property, or\n\n• Reporting Tips: When researching and completing the URAR, including new information that may\n\nrequire research from a website, the homeowner, or other source.\n\nItems to Note:\n\n• When there are no material differences between UAD 3.6 and UAD 2.6 with respect to\n\ninformation collected, those URAR sections are omitted from this document. For example, the\ninformation collected for “Assignment Information” is not included below because it’s very\nsimilar between UAD 3.6 and UAD 2.6.\n\n• Review the URAR Reference Guide chapters 22 through 24 to understand the dynamic nature of\n"}
diff --git a/chunks/json/183f6ac02719cea048c2f2100d92eb7e83616f3afcb5af46052e24fe544713e3.json b/chunks/json/183f6ac02719cea048c2f2100d92eb7e83616f3afcb5af46052e24fe544713e3.json
new file mode 100644
index 0000000000000000000000000000000000000000..3220a44849343e1df5822a42c451b853dba90116
--- /dev/null
+++ b/chunks/json/183f6ac02719cea048c2f2100d92eb7e83616f3afcb5af46052e24fe544713e3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":287940,"char_start":286343,"chunk_id":"chk_9c2aecc898f0479b","chunk_index":168,"chunk_sha256":"183f6ac02719cea048c2f2100d92eb7e83616f3afcb5af46052e24fe544713e3","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"183f6ac02719cea048c2f2100d92eb7e83616f3afcb5af46052e24fe544713e3","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"150\n\nString\n\nThis field should indicate the data sources for the subject prior sale history.\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nOne and only one of fields 2-108, 2-109\n(values of Subject Has Prior Sales Indicator)\nmust be indicated.\n\nCR\n\nT\n\nCR\n\nT\n\nCR\n\nT\n\n362\n\n2\n\n102\n\nSALES\nCOMPARISON\nAPPROACH\n\nAdjusted Sales Price\nNegative\n\nSales Price Total\nAdjustment Positive\nIndicator\n\n363\n\n2\n\n103\n\nSALES\nCOMPARISON\nAPPROACH\n\nNet Adjustment\n\nSale Price Total\nAdjustment Amount\n\n364\n\n2\n\n103a\n\nSALES\nCOMPARISON\nAPPROACH\n\nNet Adjustment\nPercentage\n\nSale Price Total\nAdjustment Net\nPercent\n\n365\n\n2\n\n103b\n\nSALES\nCOMPARISON\nAPPROACH\n\nGross Adjustment\nPercentage\n\nSales Price Total\nAdjustment Gross\nPercent\n\nAdjusted Sale Price of\nComparables\n\nAdjusted Sales Price\nAmount\n\nSales History\nResearched Indicator\n\nSales History\nResearched Indicator\n\nSales History Not\nResearched Comment\n\nI did research the sale or\ntransfer history of the\nsubject property and\ncomparable sales.\nI did not research the\nsale or transfer history of\nthe subject property and\ncomparable sales.\nI did not research the\nsale or transfer history of\nthe subject property and\ncomparable sales. If not,\nexplain.\nMy research did reveal\nany prior sales or\ntransfers of the subject\nproperty for the three\nyears prior to the\neffective date of this\nappraisal.\nMy research did not\nreveal any prior sales or\ntransfers of the subject\nproperty for the three\nyears prior to the\neffective date of this\nappraisal.\nSubject Prior Sales\nHistory\nData Source(s)\n\n366\n\n367\n\n368\n\n369\n\n2\n\n2\n\n2\n\n2\n\n104\n\n105\n\n106\n\n107\n\n370\n"}
diff --git a/chunks/json/1853217dbba4c2685845263a9690e6cf97036c8e665209b1fb6fa8e8b01b11f9.json b/chunks/json/1853217dbba4c2685845263a9690e6cf97036c8e665209b1fb6fa8e8b01b11f9.json
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index 0000000000000000000000000000000000000000..bc535dd5a2eb7e5b6004e41287c1c89b585ddf06
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+++ b/chunks/json/1853217dbba4c2685845263a9690e6cf97036c8e665209b1fb6fa8e8b01b11f9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1726,"char_start":0,"chunk_id":"chk_05d6c2228646d5f4","chunk_index":0,"chunk_sha256":"1853217dbba4c2685845263a9690e6cf97036c8e665209b1fb6fa8e8b01b11f9","date_utc":"2026-01-27T17:47:54+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_676030b0a9cff2d2","text_sha256":"1853217dbba4c2685845263a9690e6cf97036c8e665209b1fb6fa8e8b01b11f9","token_estimate":525,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Rulemaking_and_Federal_Register___FHFA_llq98u.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/regulation/rulemaking\"\ndate_accessed: \"2026-01-27T17:47:54.516Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/18578e7dac1605d819345f5307582f090dc02b676e1a6c7035f3fef7531ac7f4.json b/chunks/json/18578e7dac1605d819345f5307582f090dc02b676e1a6c7035f3fef7531ac7f4.json
new file mode 100644
index 0000000000000000000000000000000000000000..5ded74700a5b646addd263da30c466a6880fe03b
--- /dev/null
+++ b/chunks/json/18578e7dac1605d819345f5307582f090dc02b676e1a6c7035f3fef7531ac7f4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":338511,"char_start":336903,"chunk_id":"chk_be4792fea20b4a93","chunk_index":195,"chunk_sha256":"18578e7dac1605d819345f5307582f090dc02b676e1a6c7035f3fef7531ac7f4","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"18578e7dac1605d819345f5307582f090dc02b676e1a6c7035f3fef7531ac7f4","token_estimate":402,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Certification\nFannie Mae MH Advantage\n\nIdentifier\nSAB032251MLAX\n\nFreddie Mac CHOICEHome\n\nCH1000001\n\nManufactured Home Commentary\n\nThe subject is a manufactured home that was built to HUD Code and structurally designed and constructed to accommodate site-built\nfeatures. Specifically, for the subject, the attached garage and front porch which were constructed at the time of installation.\n\nCHOICEHome and MH Advantage manufactured homes are constructed with features and characteristics that exceed the minimum HUD\nCode. This may include drywall interiors, elevated roof pitch, higher standard energy efficiency features, greater R-value insulation, and\nupgraded plumbing fixtures and cabinetry. Each MH Advantage or CHOICEHome must have at least two of the following features: attached\ngarage or carport, roof dormers or porch. These homes may also have solid surface counters and vaulted, tray, or beamed ceilings along with\nother quality upgrades.\n\nManufactured Home Exhibits\n\nHUD Data Plate\n\nHUD Certification Label - Section 1\n\nThis is where the HUD Data Plate photo would display.\n\nThis is where the HUD Certification Label would display.\n\nAppraiser Reference ID SRO-123345Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2)\n\nUniform Residential Appraisal Report\n\nPage 7 of 20\n\nManufactured Home (continued)\n\nHUD Certification Label - Section 2\n\nManufactured Home Certification\n\nThis is where the HUD Certification Label would display.\n\nManufactured Home Certification\n\nSkirting\n\nThis is where the Skirting photo would display.\n"}
diff --git a/chunks/json/1865ed963fcb833b3d6562e7f6c68fb2d8ff8fb3bb27f00146dc934edd942091.json b/chunks/json/1865ed963fcb833b3d6562e7f6c68fb2d8ff8fb3bb27f00146dc934edd942091.json
new file mode 100644
index 0000000000000000000000000000000000000000..630a28bff8052e13de336b598f6e4dc265615b0c
--- /dev/null
+++ b/chunks/json/1865ed963fcb833b3d6562e7f6c68fb2d8ff8fb3bb27f00146dc934edd942091.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":19159,"char_start":18689,"chunk_id":"chk_813757202d8b082c","chunk_index":21,"chunk_sha256":"1865ed963fcb833b3d6562e7f6c68fb2d8ff8fb3bb27f00146dc934edd942091","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"1865ed963fcb833b3d6562e7f6c68fb2d8ff8fb3bb27f00146dc934edd942091","token_estimate":426,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Vehicle Storage ........................................................................................................................................................................................................................... 59\n\nSubject Property Amenities ........................................................................................................................................................................................................ 60\n"}
diff --git a/chunks/json/186c5e1ec035cc4168a666843d7f6c90853116384717d5e6f10a3ea6d5fdb58f.json b/chunks/json/186c5e1ec035cc4168a666843d7f6c90853116384717d5e6f10a3ea6d5fdb58f.json
new file mode 100644
index 0000000000000000000000000000000000000000..e758e18c1c1a5c4d9b9d8cb8bbcf674f99ddb977
--- /dev/null
+++ b/chunks/json/186c5e1ec035cc4168a666843d7f6c90853116384717d5e6f10a3ea6d5fdb58f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":466130,"char_start":464509,"chunk_id":"chk_d3b513e32f904c0c","chunk_index":264,"chunk_sha256":"186c5e1ec035cc4168a666843d7f6c90853116384717d5e6f10a3ea6d5fdb58f","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"186c5e1ec035cc4168a666843d7f6c90853116384717d5e6f10a3ea6d5fdb58f","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"after first change for 24 months\n\n20.6 Limits on Interest Rate Changes – First Change\n20.7 Limits on Interest Rate Changes – Second Change\n\n1The change frequency noted here can apply to the subsequent adjustment because the change frequency does not change\nthroughout step rate period (every year after initial 1-year period) for 24 months.\n\nThe data points used to provide this information are shown in the table below. The Loan Terms table Form Field\nIDs have been included where applicable to help emphasize that the data points are provided only once in the\nXML file. Note that instead of the INTEREST_RATE_ADJUSTMENT structure, the BUYDOWN structure is used.\n\nTable 146. Temporary Buydown Subsidy Loan\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\n20.2 |\n4.2.1\n\nInitial Interest Rate …/BUYDOWN/BUY\nDOWN_OCCURREN\nCES/BUYDOWN_O\nCCURRENCE\n\n20.3 Minimum /\n\nMaximum Interest\nRate\n\nBuydownInitialEffe\nctiveInterestRatePe\nrcent\n\n2.8750\n\nROF as “2.875%”\n\n20.4 |\n4.2.3(1)\n\nChange Frequency\n– First Change\n\n…/\nBUYDOWN/BUYDO\nWN_RULE\n\nBuydownChangeFr\nequencyMonthsCo\nunt\n\n12\n\n20.5\n\nChange Frequency\n– Subsequent\nChange\n\nROF as “Beginning\nof 13th Month”\n\nROF as “Every 12th\nmonth after first\nchange”\n\nAppendix E: UCD Implementation Guide\n\nPage 216 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n20.0 Adjustable Interest Rate (AIR) Table\n\nTable 146. Temporary Buydown Subsidy Loan\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0\nValue\n\nNotes\n\nLimits on Interest\nRate Changes –\nFirst | Subsequent\n\nInterest Rate\nAdjustments (#)\n"}
diff --git a/chunks/json/188caf53e9eb3d6cf481d274e33d9f19389f220fe207f9ed1d3b3336816983f0.json b/chunks/json/188caf53e9eb3d6cf481d274e33d9f19389f220fe207f9ed1d3b3336816983f0.json
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index 0000000000000000000000000000000000000000..1f8c471a0c933420ce5179b598040c9bfbc407c4
--- /dev/null
+++ b/chunks/json/188caf53e9eb3d6cf481d274e33d9f19389f220fe207f9ed1d3b3336816983f0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":17488,"char_start":15439,"chunk_id":"chk_9a55c1efeeaeabb3","chunk_index":10,"chunk_sha256":"188caf53e9eb3d6cf481d274e33d9f19389f220fe207f9ed1d3b3336816983f0","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_698a10a0e5f6da7f","text_sha256":"188caf53e9eb3d6cf481d274e33d9f19389f220fe207f9ed1d3b3336816983f0","token_estimate":513,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004 Hybrid_70H.pdf"]},"text":"INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the subject of this\nappraisal for a mortgage finance transaction.\n\nINTENDED USER: The intended user of this appraisal report is the lender/client.\n\nDEFINITION OF MARKET VALUE: The most probable price which a property should bring in a competitive and open market\nunder all conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not\naffected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title\nfrom seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well informed or well\nadvised, and each acting in what he or she considers his or her own best interest; (3) a reasonable time is allowed for exposure in\nthe open market; (4) payment is made in terms of cash in U. S. dollars or in terms of financial arrangements comparable thereto;\nand (5) the price represents the normal consideration for the property sold unaffected by special or creative financing or sales\nconcessions* granted by anyone associated with the sale.\n\n*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are\nnecessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are readily\nidentifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing adjustments can be\nmade to the comparable property by comparisons to financing terms offered by a third party institutional lender that is not already\ninvolved in the property or transaction. Any adjustment should not be calculated on a mechanical dollar for dollar cost of the\nfinancing or concession but the dollar amount of any adjustment should approximate the market’s reaction to the financing or\nconcessions based on the appraiser’s judgment.\n"}
diff --git a/chunks/json/18919dd1437b4a18285271c48feb94dfb3110e8a262373db3c71472de39aab36.json b/chunks/json/18919dd1437b4a18285271c48feb94dfb3110e8a262373db3c71472de39aab36.json
new file mode 100644
index 0000000000000000000000000000000000000000..0d48f98d4fe83a95a9a440f1a19fde362b03d167
--- /dev/null
+++ b/chunks/json/18919dd1437b4a18285271c48feb94dfb3110e8a262373db3c71472de39aab36.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3635,"char_start":3031,"chunk_id":"chk_064110c236574d7b","chunk_index":3,"chunk_sha256":"18919dd1437b4a18285271c48feb94dfb3110e8a262373db3c71472de39aab36","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"18919dd1437b4a18285271c48feb94dfb3110e8a262373db3c71472de39aab36","token_estimate":462,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"Footer ..................................................................................................................................................................................................................................... 8\n\n01 Subject Property _________________________________________________________________________________________________________ 9\n\nOverview ................................................................................................................................................................................................................................ 9\n"}
diff --git a/chunks/json/1894484714983148c1bbcae3e833b4d0fe09a420b8a8ab146e1b251091f7dbd3.json b/chunks/json/1894484714983148c1bbcae3e833b4d0fe09a420b8a8ab146e1b251091f7dbd3.json
new file mode 100644
index 0000000000000000000000000000000000000000..158bca749b93f4900efdb40417bc16182ce4182a
--- /dev/null
+++ b/chunks/json/1894484714983148c1bbcae3e833b4d0fe09a420b8a8ab146e1b251091f7dbd3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":14569,"char_start":13746,"chunk_id":"chk_18b1e96946cb8d74","chunk_index":12,"chunk_sha256":"1894484714983148c1bbcae3e833b4d0fe09a420b8a8ab146e1b251091f7dbd3","date_utc":"2026-01-27T17:46:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7eca65366e02ac25","text_sha256":"1894484714983148c1bbcae3e833b4d0fe09a420b8a8ab146e1b251091f7dbd3","token_estimate":219,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type.pdf"]},"text":"Manufactured\n\nManufactured\n\nManufactured\n\nSite Built\n\nSite Built\n\nSubject Site Owned in Common\n\n(UID: 0100.0047, FID: 1.020)\n\nNo\n\nProject Legal Structure\n\n(UID: 2500.0168, FID: 1.016, 1.017, 1.018)\n\nCondominium\n\nNo\n\n__\n\nCondominium\n\nCooperative\n\nCooperative\n\nCooperative\n\nUnits Excluding ADUs\n\n(UID: 0100.0022, FID: 1.021)\n\nAccessory Dwelling Units\n\n(UID: 0100.0019, FID: 1.022)\n\n1\n\n2, 3, or 4\n\n1\n\n1\n\n1\n\n1\n\n0 or 1\n\n0 or 1\n\n0 or 1\n\n0 or 1\n\n0 or 1\n\n0 or 1\n\nc\ne\np\nS\ny\nr\ne\nv\ni\nl\n\ne\nD\nD\nA\nU\nm\no\nr\nf\nn\no\ni\nt\na\nm\nr\no\nf\nn\n\nI\n\ni\n\nt\nn\no\nP\na\nt\na\nD\ny\nt\nr\ne\np\no\nr\nP\nt\nn\na\nv\ne\ne\nR\n\nl\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency.\n©2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\n10\n"}
diff --git a/chunks/json/18a3e92fec4552ebec887ff525c0a04e248d8ae6730865aa1d0e301c75c35c49.json b/chunks/json/18a3e92fec4552ebec887ff525c0a04e248d8ae6730865aa1d0e301c75c35c49.json
new file mode 100644
index 0000000000000000000000000000000000000000..509c7f86e7ee88d60a7fecd6ddf2cb7cd20f0c1f
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+++ b/chunks/json/18a3e92fec4552ebec887ff525c0a04e248d8ae6730865aa1d0e301c75c35c49.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":225371,"char_start":223771,"chunk_id":"chk_70a29493dca002e3","chunk_index":126,"chunk_sha256":"18a3e92fec4552ebec887ff525c0a04e248d8ae6730865aa1d0e301c75c35c49","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"18a3e92fec4552ebec887ff525c0a04e248d8ae6730865aa1d0e301c75c35c49","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"• Damaged or failing foundation\n\n• No functional kitchen or bathrooms\n\nIdentifying Dwelling Condition\n\nAs previously noted, the condition rating(s) selected must reflect the condition(s) of the dwelling(s). It would be inappropriate to\nselect either a lower or higher overall rating on the basis of one or two minor inferior or superior areas of the dwelling. However,\nthe C6 rating is an exception because it indicates that the dwelling is impacted by one or more deficiencies that negatively affect\nthe soundness or structural integrity of the dwelling. As a result, if any portion of the dwelling is rated a C6, the whole dwelling\nmust be rated a C6.\n\nLoans secured by properties with a condition rating of C6 are not eligible for sale to Fannie Mae. Any defect, damage, or deficiency\nimpacting the soundness or structural integrity of the dwelling must be repaired with a resulting minimum condition rating of C5\nprior to sale of the loan. See Defect, Damage, or Deficiency in this topic for information related to completing appraisals on\nproperties with soundness or structural integrity deficiencies.\n\nDefinitions of Not Updated, Partially Updated, Moderately Updated, Significantly Updated, and Fully Updated Kitchen and\nBathroom(s)\n\nAs a subset of identifying the condition of the subject dwelling(s), the appraiser must also identify the level of updating, if any,\nthat the kitchen and bathroom(s) has received by utilizing the definitions in the room update status and overall update status for\nbathrooms tables contained in the Unit Interior section of Appendix F-1: URAR Reference Guide.\n"}
diff --git a/chunks/json/18b77793611d06c3d86941e4f5b33abe0790bdc14106c37a7a35e9d326bd2565.json b/chunks/json/18b77793611d06c3d86941e4f5b33abe0790bdc14106c37a7a35e9d326bd2565.json
new file mode 100644
index 0000000000000000000000000000000000000000..1bb7a8028b2346fa41d556196d52e1110d98dff2
--- /dev/null
+++ b/chunks/json/18b77793611d06c3d86941e4f5b33abe0790bdc14106c37a7a35e9d326bd2565.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1903,"char_start":0,"chunk_id":"chk_dd96d4fd2ea3feff","chunk_index":0,"chunk_sha256":"18b77793611d06c3d86941e4f5b33abe0790bdc14106c37a7a35e9d326bd2565","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_519c636eac748f6b","text_sha256":"18b77793611d06c3d86941e4f5b33abe0790bdc14106c37a7a35e9d326bd2565","token_estimate":476,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-release-jan-20-2024.pdf"]},"text":"DU for Government Loans Release Notes\nJanuary 2024 Release\n\nJan. 3, 2024\n\nDuring the weekend of Jan. 20, 2024, Desktop Underwriter® (DU®) for government loans will be updated to support FHA and VA\nchanges.\n\nN O T E : For ease of reference, this document generally uses the term “DU” to refer to “DU for government loans.”\n\nFHA Loan Limits\n\nFHA county loan limits are applied by the FHA TOTAL mortgage scorecard, so a DU update is not required for FHA’s 2024 county\nloan limit updates.\n\nHowever, in cases where a property county cannot be determined, DU applies the FHA National Low Cost Area Limit and the FHA\nNational Low Cost Area Limit amounts will be updated in DU as part of this release to reflect the new values. In these cases, DU\nwill display the 2023 limit on FHA loan casefiles submitted or resubmitted prior to the weekend of Jan. 20 where a property\ncounty cannot be determined, regardless of Agency Case Number assignment date. For FHA loan casefiles submitted or\nresubmitted on or after the weekend of Jan. 20 where a property county cannot be determined, DU will display the 2024 FHA\nNational Low Cost Area Limit, regardless of Agency Case Number assignment date. Lenders are responsible for verifying that the\ncorrect limit is applied when determining eligibility.\n\nVA 2024 County Loan Limit Changes\n\nThe 2024 county loan limits are available on VA’s website.\n\nVA loan casefiles submitted or resubmitted prior to the weekend of Jan. 20 will be underwritten using the 2023 VA county loan\nlimits. All VA loan casefiles submitted or resubmitted on or after the weekend of Jan. 20 will be underwritten using the 2024 VA\ncounty loan limits. Because the 2024 VA county loan limits will not be implemented on the date they are in effect, lenders are\nresponsible for ensuring that the correct VA county loan limit is applied to all VA loans underwritten through DU from Jan. 1\nthrough Jan. 20.\n"}
diff --git a/chunks/json/18b99704c2c757f4061b9409b3e739b11082c69a963315b9d7c9e50c9441809c.json b/chunks/json/18b99704c2c757f4061b9409b3e739b11082c69a963315b9d7c9e50c9441809c.json
new file mode 100644
index 0000000000000000000000000000000000000000..9e4f2e11abf23abf25c85d36a143eb5b6d93e920
--- /dev/null
+++ b/chunks/json/18b99704c2c757f4061b9409b3e739b11082c69a963315b9d7c9e50c9441809c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":20525,"char_start":18980,"chunk_id":"chk_34b29eb3068816b1","chunk_index":4,"chunk_sha256":"18b99704c2c757f4061b9409b3e739b11082c69a963315b9d7c9e50c9441809c","date_utc":"2026-01-27T17:46:02+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_6fe7d203f7e30930","text_sha256":"18b99704c2c757f4061b9409b3e739b11082c69a963315b9d7c9e50c9441809c","token_estimate":428,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae1/links/_.md/Single_Family_Homepage___Fannie_Mae_vjl8b.md"]},"text":"[]()\n\n![image](/sites/g/files/koqyhd181/files/2025-11/CS2510-3787100%20Loan%20Limits%202026_marquee.png)\n\n## Loan limits increase for 2026\n\nU.S Federal Housing (FHFA) has published the conforming loan limits for 2026.\n\n[Learn more ****](/originating-underwriting/loan-limits)\n\n![image](/sites/g/files/koqyhd181/files/2025-11/woman-handshake-marquee%20%281%29.jpg)\n\n## Now available in Desktop Underwriter\n\nTake control of repurchase risk due to undisclosed debt and boost confidence in your loan quality earlier in the process with Desktop Underwriter®’s newest enhancement.​\n\n[Learn more ****](/applications-technology/desktop-underwriter-desktop-originator/undisclosed-liabilities)\n\n![image](/sites/g/files/koqyhd181/files/2025-11/CS2510-3809950%20C-to-P%20SF%20Marquee_FD.jpg)\n\n## A boost for housing supply and homeownership\n\n.hero--homepage img{height: 580px; min-height: auto;} @media(min-width: 420px){ .hero--homepage img{height: 480px;} } @media(min-width: 768px){ .hero--homepage img{height: 410px;} } @media(min-width: 800px){ .hero--homepage img{height: 465px;} } @media(min-width: 992px){ .hero--homepage img{height: 430px;} } @media(min-width: 1120px){ .hero--homepage img{height: 100%;} } .hero--homepage .hero__content h2.hero__title{line-height: .98em;} New policy updates deliver greater certainty and flexibility for construction financing to help meet the needs of today's lenders and borrowers.\n\n[Learn more ****](https://singlefamily.fanniemae.com/originating-underwriting/mortgage-products/construction-products)\n"}
diff --git a/chunks/json/18cb3be6c996fd9e8699574c806800b92dcab9633bcb6f3352639ef790b7c8e6.json b/chunks/json/18cb3be6c996fd9e8699574c806800b92dcab9633bcb6f3352639ef790b7c8e6.json
new file mode 100644
index 0000000000000000000000000000000000000000..d7484f76cf09c5b974544e86616161241c855808
--- /dev/null
+++ b/chunks/json/18cb3be6c996fd9e8699574c806800b92dcab9633bcb6f3352639ef790b7c8e6.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1714,"char_start":0,"chunk_id":"chk_aa83477da06ebac3","chunk_index":0,"chunk_sha256":"18cb3be6c996fd9e8699574c806800b92dcab9633bcb6f3352639ef790b7c8e6","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_de834710100b36b4","text_sha256":"18cb3be6c996fd9e8699574c806800b92dcab9633bcb6f3352639ef790b7c8e6","token_estimate":525,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/National_Survey_of_Mortgage_Originations__NSMO__Pu_or78e.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/nsmo\"\ndate_accessed: \"2026-01-27T17:47:50.477Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/18e4f83a48542fff23da271b9caf2fc9ea4427ed93d2f646192575b6d209af3f.json b/chunks/json/18e4f83a48542fff23da271b9caf2fc9ea4427ed93d2f646192575b6d209af3f.json
new file mode 100644
index 0000000000000000000000000000000000000000..d7a7101ede210d6c53940bb816ba72d29d6b3c81
--- /dev/null
+++ b/chunks/json/18e4f83a48542fff23da271b9caf2fc9ea4427ed93d2f646192575b6d209af3f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":71808,"char_start":70143,"chunk_id":"chk_e0db8f8b4b735c64","chunk_index":38,"chunk_sha256":"18e4f83a48542fff23da271b9caf2fc9ea4427ed93d2f646192575b6d209af3f","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"18e4f83a48542fff23da271b9caf2fc9ea4427ed93d2f646192575b6d209af3f","token_estimate":416,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"Interest Rate: Interest Rate is a new\nHMDA data element that reports the\nactual note rate on the loan as a\npercentage to at least three decimal\nplaces.133 The Enterprises collect this\ndata element. Interest Rate will be\ndisclosed in the PUDB Multifamily\nCensus Tract File without modification,\nin conformance with the CFPB Privacy\nGuidance.134\n\nNon-Amortizing Features: Non-\nAmortizing Features is a new HMDA\ndata element that indicates whether the\nloan has non-amortizing loan features,\nincluding Balloon Payment, Interest-\nOnly Payments, Negative Amortization,\nor Other Non-Amortizing Feature.135\n\n128 84 FR at 656.\n129 12 CFR 1003.4(a)(28).\n130 84 FR at 663.\n131 12 CFR 1003.4(a)(24). Some multifamily CTLV\n\ndata reported by the Enterprises may reflect\nmultiple loans and/or multiple properties.\n\n132 84 FR at 656.\n133 12 CFR 1003.4(a)(21); CFPB, 2018 Reportable\nHMDA Data: A Regulatory and Reporting Overview\nReference Chart at 27, https://\nfiles.consumerfinance.gov/f/documents/201710_\ncfpb_reportable-hmda-data_regulatory-and-\nreporting-overview-reference-chart.pdf (Aug. 31,\n2018).\n\n134 84 FR at 656.\n135 12 CFR 1003.4(a)(27).\n\nVerDate Sep<11>2014 18:35 Jun 02, 2020 Jkt 250001 PO 00000 Frm 00045 Fmt 4703 Sfmt 4703 E:\\FR\\FM\\03JNN1.SGM 03JNN1\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n2\n4\nC\nV\n5\nF\n9\nK\nS\nD\nn\no\n\nr\ne\nt\nt\no\n\nl\n\nFederal Register / Vol. 85, No. 107 / Wednesday, June 3, 2020 / Notices\n\n34205\n\nThe Enterprises indicated that they\ncollect the same HMDA data values for\nthis data element. Accordingly, Non-\nAmortizing Features will be disclosed\nwithout modification in the PUDB\nMultifamily Census Tract File, in\nconformance with the CFPB Privacy\nGuidance.136\n"}
diff --git a/chunks/json/18e8c2354fd7bacfb3165c6df4ac979b725b258a0c73d8ea90c23871415c8cf3.json b/chunks/json/18e8c2354fd7bacfb3165c6df4ac979b725b258a0c73d8ea90c23871415c8cf3.json
new file mode 100644
index 0000000000000000000000000000000000000000..90fe2ea0623a3a0084b139338742ec12e8de0c7b
--- /dev/null
+++ b/chunks/json/18e8c2354fd7bacfb3165c6df4ac979b725b258a0c73d8ea90c23871415c8cf3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":41761,"char_start":40160,"chunk_id":"chk_80cab31e4f0b295f","chunk_index":17,"chunk_sha256":"18e8c2354fd7bacfb3165c6df4ac979b725b258a0c73d8ea90c23871415c8cf3","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"18e8c2354fd7bacfb3165c6df4ac979b725b258a0c73d8ea90c23871415c8cf3","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"3. UCD v2.0 Excerpts.\n\na. MISMO v3.3.0 Containers: Represented as ALL_CAPS_SEPARATED_BY_UNDERSCORE. Containers must use this\n\nsyntax in the XML file.\n\nb. MISMO v3.3.0 | EXTENSION Data Points, Attributes and Enumerations: Represented in UpperCamelCase, where\n\neach word of the term is capitalized with no space separating the words. This syntax must be followed in the XML\nfile.\n\nc. For UCD documentation purposes, attributes are also italicized. This is not an XML file requirement.\n\nd. For UCD documentation purposes, enumerations are also surrounded by double quotes “ “. This is not an XML file\n\nrequirement.\n\ne. EXTENSIONS: If a container or data point is in an EXTENSION to MISMO v3.3.0, the element is preceded by “gse:”\n\nor “ucd:” to identify the namespace to which it belongs.\n\n4. The words “borrower” and “property seller” are used in the singular for ease of reading. It is understood that there can\n\nbe more than one borrower and property seller (for purchases) in a transaction.\n\nUCD v2.0 Implementation Guide\n\n- 8 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nIII. XML File Handling\n\nIII. XML FILE HANDLING\n\nContainers at the start and the end of the XML file identify the XML and UCD versions and the CD form version used. These\nare highlighted in green in Table 4. The containers holding the embedded CD portable document format (.pdf) file are\nhighlighted in pink. The blue highlighted containers carry the closing data payload and are discussed in V. XML File Data\nPayload A to Z.\n\nTable 3. XML File Handling Container High-Level Structure.\n\nUCD UIDs\n\nContainers\n\nUCD v2.0 UCD Usage Notes\n"}
diff --git a/chunks/json/18f54e1636266db74650ce736cd0e72f083f170d3c0dfc4ac5c76516c31f4062.json b/chunks/json/18f54e1636266db74650ce736cd0e72f083f170d3c0dfc4ac5c76516c31f4062.json
new file mode 100644
index 0000000000000000000000000000000000000000..ff15c19e57c20cd2def46669e040dd64abdcbbd9
--- /dev/null
+++ b/chunks/json/18f54e1636266db74650ce736cd0e72f083f170d3c0dfc4ac5c76516c31f4062.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":404193,"char_start":402588,"chunk_id":"chk_137ef225669978c5","chunk_index":318,"chunk_sha256":"18f54e1636266db74650ce736cd0e72f083f170d3c0dfc4ac5c76516c31f4062","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"18f54e1636266db74650ce736cd0e72f083f170d3c0dfc4ac5c76516c31f4062","token_estimate":401,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"•\n\nImages of comparable properties must be delivered using ImageCategoryType (UID: 1400.0651, FID: Not on report) =\n“PropertyPhoto”.\n\n• When a comparable property has multiple images with the ImageCategoryType = “PropertyPhoto”, only one displays as the\n\nthumbnail in the Comparable Rental Properties subsection (FID: 23.02.02).\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nAdditional Exhibits\n\n• Any additional images provided for the Rental Information section must be delivered using ImageCategoryType (UID: 1400.0638,\n\nFID: 23.05.02.1) = “RentalInformationExhibit”.\n\n• An image caption may be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 23.05.02.2), and displays above\n\nPage 316\n\nthe image in bold.\n\nRental Information – Arcrole Relationships\n\nArcrole relationships, establishes \"relationships\" or linkages in the XML data file that may be visually obvious on the URAR Report. In the XML\ndata, specific instances of data points or containers must be connected to properly represent the information.\n\n• Containers or datapoints to be linked are identified using \"xlink:label.”\n• The RELATIONSHIP container holds the xlink:arcrole, xlink:from, and xlink:to attributes that describe the data relationships.\n\nRental Comparable - Overall Property Information Data Source\n\nWhen the data source is associated with a rental comparable, provide the relationship that joins the applicable instance of PROPERTY where\nthe ValuationUseType = \"RentalComparable\".\n\nUnique ID\n\nParent Container\n\nMISMO Attribute Name\n\nSupported Attribute Enumerations\n\n2000.0109\n\nRELATIONSHIP\n\n@xlink:arcrole\n"}
diff --git a/chunks/json/1902a10b76b86219365dbc76b6304e056ed013b6517248fd9da01ea8522e9e9f.json b/chunks/json/1902a10b76b86219365dbc76b6304e056ed013b6517248fd9da01ea8522e9e9f.json
new file mode 100644
index 0000000000000000000000000000000000000000..70b63224d1e343d46792e1e377615071873dede8
--- /dev/null
+++ b/chunks/json/1902a10b76b86219365dbc76b6304e056ed013b6517248fd9da01ea8522e9e9f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":21119,"char_start":19475,"chunk_id":"chk_405ee2cc33a18ccb","chunk_index":12,"chunk_sha256":"1902a10b76b86219365dbc76b6304e056ed013b6517248fd9da01ea8522e9e9f","date_utc":"2026-01-27T18:31:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_47c3ba41d05a3989","text_sha256":"1902a10b76b86219365dbc76b6304e056ed013b6517248fd9da01ea8522e9e9f","token_estimate":411,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF5_Appraisal/_.pdf/SF5_Appraisal_v1.1.pdf"]},"text":"Price Per Finished Area\nAbove Grade\n\nAdjusted Price\n\nComparable Weight\n\n—\n\n$362,500\n\n$360,000\n\n$0\n\n$290\n\n$360,000\n\nMost\n\n$369,900\n\n$365,000\n\n$(5,500)\n\n$286\n\n$359,500\n\nMost\n\nIndicated Value by Sales Comparison Approach\n\nIndicated Value\n\n$350,000\n\nReconciliation of Sales Comparison Approach\n\nThe comparables contain 3 bedrooms and were built in approximately the same time period, offering similar overall utility. No time\nadjustments were warranted as there has been no recent measurable change in market prices. Most emphasis is placed on comparables 4 and\n5, which although located further away are still within the subject’s market area.\n\nAdditional Properties Analyzed Not Used\n\n#\n1\n\nProperty Address\n442 Jolly Ave\nAnytown, MD 09992\n\nSale Date\n01/19/2024\n\nStatus\nSettled Sale\n\nReason Not Used\nSale or Transfer Type\n\nComment\nPrivate sale\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 14 of 19\nPage 14 of 19\n\nSales Comparison Approach (continued)\n\nPG BRK\n\nSales Comparison Map\n\nThis is where the Map of Sales Comparables would display.\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n\nUniform Residential Appraisal Report\n\nPage 15 of 19\nPage 15 of 19\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"}
diff --git a/chunks/json/190ce62f148f01c135eb90ed01d77ebfd6e936f436651ce95e1114ca7c522dc0.json b/chunks/json/190ce62f148f01c135eb90ed01d77ebfd6e936f436651ce95e1114ca7c522dc0.json
new file mode 100644
index 0000000000000000000000000000000000000000..3fee9fdd60036b90001c1b209fc250e12e63d664
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+++ b/chunks/json/190ce62f148f01c135eb90ed01d77ebfd6e936f436651ce95e1114ca7c522dc0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":26121,"char_start":24477,"chunk_id":"chk_3cb2c1bd7f4cae89","chunk_index":15,"chunk_sha256":"190ce62f148f01c135eb90ed01d77ebfd6e936f436651ce95e1114ca7c522dc0","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"190ce62f148f01c135eb90ed01d77ebfd6e936f436651ce95e1114ca7c522dc0","token_estimate":412,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"CK-H2\n\nTXR-B\n\nProject Blanket Financing\n\nPro Rata Share\n\nTCH\nTB\n\nLien Detail\nUnpaid Principal Balance\n\nLine of Credit\n\nBalloon Mortgage\n\nRemaining Term\n\nMonthly Payment\n\nInterest Rate\n\nAmortization Type\n\nTB\n\nPro Rata Share of Balance\nAttributable to Unit\n\nH1\n\nTCH\nTB\n\nProject Factors and Impact to Value/Marketability\n\nDetail\n\nImpact\n\nComment\n\nProject Factor\nDeveloper/Sponsor in Control\n\nIncomplete Project\n\nConverted in Past 3 Years\n\nSingle Entity Ownership of Multiple\nUnits\n\nSingle Entity Ownership of Multiple\nShares\n\nCommercial Space\n\nKnown Legal Actions\n\nUnit Transfer Fees\n\nUnit Special Assessments\n\nTB\n\nUnit Tax Abatements or Exemptions\n\nTXC-B\n\nProject Factors Commentary\n\nH1\n\nProject Information Commentary\n\nTXC\nH1\n\nProject Information Exhibits\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nHDR-L\n\nHDR-R\n\n2 COLUMN PAGE FORMAT\n\nTAB\n\nSubject Listing Information\n\nCurrent and/or relevant listings of the subject property (minimum 1 year look back)\n\nTAB-TX\n\nCurrent or Relevant Listings\n\nData Source\n\nListing Status\n\nListing Type\n\nListing ID\n\nStart Date\n\nEnd Date\n\nDOM\n\nStarting\nList Price\n\nCurrent or\nFinal List Price\n\nTXR-B\nTXR-I\n\nTCH\nTB\n\nTXC-B\n\nAnalysis of Subject Property Listing History\n\nH1\n\nSubject Listing Information Exhibits\n\nTB_sub-H1-R\n\nTotal DOM\n\nFTR-L\n\nFTR-R\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n"}
diff --git a/chunks/json/19222b6e0d020467054a4b5b14c01e1c232a80254effa2a702b91cba9010ca61.json b/chunks/json/19222b6e0d020467054a4b5b14c01e1c232a80254effa2a702b91cba9010ca61.json
new file mode 100644
index 0000000000000000000000000000000000000000..ece89a3654aaef062fb286efef20ab0a26016604
--- /dev/null
+++ b/chunks/json/19222b6e0d020467054a4b5b14c01e1c232a80254effa2a702b91cba9010ca61.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":263472,"char_start":261863,"chunk_id":"chk_1379460ab5a07184","chunk_index":150,"chunk_sha256":"19222b6e0d020467054a4b5b14c01e1c232a80254effa2a702b91cba9010ca61","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"19222b6e0d020467054a4b5b14c01e1c232a80254effa2a702b91cba9010ca61","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"3.011\n\nLoanIdentifier\n\n3.012\n\nLoanIdentifierType\n\n…/LOAN_IDENTIFIER\n\n123456789\n\nLenderLoan\n\n3.014\n\nLoanIdentifier\n\n123456789101112131\n\n3.015\n\nLoanIdentifierType\n\nMERS_MIN\n\n…/LOAN_IDENTIFIER\n\nUCD v2.0 Implementation Guide\n\n- 117 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\n3.014\n\nLoanIdentifier\n\n3.015\n\nLoanIdentifierType\n\n10Bx939c5543TqA1144M999143X38 The only accepted values in the\nUCD XML file are shown under\nUCD v2.0 Supported\nEnumerations.\n\nOther\n\n0.062\n\nLoanIdentifierTypeOtherDescription\n\nUniversalLoan\n\nFigure 92. XML Snippet - Loan Identifier Data.\n\n<MESSAGE>\n…\n <DEAL>\n\n<LOANS>\n <LOAN>\n\n<LOAN_IDENTIFIERS>\n <LOAN_IDENTIFIER\n\n<LoanIdentifier>123456789</LoanIdentifier>\n <LoanIdentifierType>LenderLoan</LoanIdentifierType>\n\n</LOAN_IDENTIFIER>\n <LOAN_IDENTIFIER>\n\n<LoanIdentifier>123456789101112131</LoanIdentifier>\n <LoanIdentifierType>MERS_MIN</LoanIdentifierType>\n\n</LOAN_IDENTIFIER>\n <LOAN_IDENTIFIER\n\n<LoanIdentifier>10Bx939c5543TqA1144M999143X38</LoanIdentifier>\n <LoanIdentifierType>Other</LoanIdentifierType>\n <LoanIdentifierTypeOtherDescription>UniversalLoan</LoanIdentifierTypeOtherDescription>\n\n</LOAN_IDENTIFIER>\n\n…\n</MESSAGE>\n\nUCD v2.0 Implementation Guide\n\n- 118 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nS. LOAN MATURITY PERIOD DATA\n\nThe MATURITY structure captures the loan term for non-construction loans. For construction loan term data points, see Table\n33.\n\nTable 57. XML File Container Structure for Loan Maturity Period Data.\n\nUCD UIDs\n\nContainers\n\nUCD Usage Notes\n\n999.243\n\nMATURITY\n\n999.244\n\nMATURITY_RULE\n"}
diff --git a/chunks/json/19280773fe9176ab16a42af3d13da292160bffa102b1a839ed4a99968653ab6a.json b/chunks/json/19280773fe9176ab16a42af3d13da292160bffa102b1a839ed4a99968653ab6a.json
new file mode 100644
index 0000000000000000000000000000000000000000..9f4b3a1e366a2cf6126e6a1ef979ec1041af363b
--- /dev/null
+++ b/chunks/json/19280773fe9176ab16a42af3d13da292160bffa102b1a839ed4a99968653ab6a.json
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+{"chunk":{"char_end":93,"char_start":0,"chunk_id":"chk_0c680c5ed5d99b8b","chunk_index":0,"chunk_sha256":"19280773fe9176ab16a42af3d13da292160bffa102b1a839ed4a99968653ab6a","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_bedbc6b685e5c46d","text_sha256":"19280773fe9176ab16a42af3d13da292160bffa102b1a839ed4a99968653ab6a","token_estimate":36,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Federal_Housing_Finance_Agency___Washington_D_C__D_wxqzl0b.md","below_target_min_tokens"]},"text":"---\nsource_url: \"https://www.facebook.com/FHFA\"\ndate_accessed: \"2026-01-27T17:47:50.354Z\"\n---\n"}
diff --git a/chunks/json/194bea8234b33f8fe0392430dfb721c76e7b27b6e2bbb7dbec3290a7286e8bb3.json b/chunks/json/194bea8234b33f8fe0392430dfb721c76e7b27b6e2bbb7dbec3290a7286e8bb3.json
new file mode 100644
index 0000000000000000000000000000000000000000..42ce723af8d3d77f9760d5847a3891e8bb7aaab9
--- /dev/null
+++ b/chunks/json/194bea8234b33f8fe0392430dfb721c76e7b27b6e2bbb7dbec3290a7286e8bb3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":97161,"char_start":95495,"chunk_id":"chk_69425261fc3088f5","chunk_index":36,"chunk_sha256":"194bea8234b33f8fe0392430dfb721c76e7b27b6e2bbb7dbec3290a7286e8bb3","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"194bea8234b33f8fe0392430dfb721c76e7b27b6e2bbb7dbec3290a7286e8bb3","token_estimate":416,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Disclosure version\nwas issued\n\nUniform Closing Dataset\n\nIV. UCD Data Point Categories\n\n4. V. Consolidated Mapping Guidance entries for Attributes, Datetime Format, “Other” + Type Other\n\nDescription – UCD Restricted, and PARTIES/PARTY.\n\n5. SMART Doc® PDF Basic and Retrievable Implementation-Guide at\n\nhttp://www.mismo.org/Guidelines/ImplementationGuidelines.htm.\n\nAppendix E: UCD Implementation Guide\n\nPage 30 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n1.0 Closing Information\n\n1.0 CLOSING INFORMAT ION\n\nThe Closing Information section is included in the following Closing Disclosure variations:\n\nTable 6. Closing Disclosure Variations with Section 1.0\n\nForm\nField ID\n\nForm Section Name\n\nPurchase Transactions Only\n\nModel Form\n\nSplit-Borrower Only\n\nNon-Seller Transactions\nOnly Alternate Form\n\n1.0\n\nClosing Information\n\n✓\n\n✓\n\n1.7 label variation\n\nThe Closing Information section provides information about the settlement transaction, applicable dates, and\nthe property that will be held as collateral for the loan.\n\n1.0 Closing Information\n\n1.1 Date Issued\n\n1.2 Closing Date\n\n4/15/2018\n\n4/18/2018\n\n1.3 Disbursement Date\n\n4/19/2018\n\n1.4 Settlement Agent\n\nEpsilon Title Company\n\n1.5 File #\n\n12-3456\n\n1.6 Property\n\n456 Somewhere Avenue, Unit# 284\nAnytown, ST 12345\n\n1.7 Sale Price $240,000\n\nFigure 7. Closing Information Section\n\n1. 1 DATE I SSUED\n\nDate Issued indicates when the Closing Disclosure was provided to the borrower (and seller) in accordance with\nthe Regulation.\n\nTable 7 shows that this data point is within the DOCUMENT_ SPECIFIC structure because Date Issued relates\nspecifically to the Closing Disclosure. See DO CUMENT SPECIFIC DATA in Section V.\n"}
diff --git a/chunks/json/194fdf10736325390ceeccd7c9594671263138791f6d33e43eade1f12a7356e1.json b/chunks/json/194fdf10736325390ceeccd7c9594671263138791f6d33e43eade1f12a7356e1.json
new file mode 100644
index 0000000000000000000000000000000000000000..3c5415f707fd1b987b9026af44426845afe5d700
--- /dev/null
+++ b/chunks/json/194fdf10736325390ceeccd7c9594671263138791f6d33e43eade1f12a7356e1.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":31373,"char_start":29702,"chunk_id":"chk_22c54a6c82b5d63e","chunk_index":18,"chunk_sha256":"194fdf10736325390ceeccd7c9594671263138791f6d33e43eade1f12a7356e1","date_utc":"2026-01-27T18:32:50+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e76a6c2fd086fb77","text_sha256":"194fdf10736325390ceeccd7c9594671263138791f6d33e43eade1f12a7356e1","token_estimate":417,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF1_Appraisal/_.pdf/SF1_Appraisal_v1.3.pdf"]},"text":"Cost Approach\n\nNot Necessary for Credible Results\n\nNot Necessary for Credible Results\n\n$489,000\n$491,000\nSubject to Repair\n\nReasonable Exposure Time\nEffective Date of Appraisal\n\n0–90 days\n09/20/2019\n\nFinal Value Condition Statement This appraisal is made subject to the itemized list of repairs or alterations below on the basis of a\nhypothetical condition that the repairs or alterations have been completed in a professional manner. This might have affected the assignment\nresults.\n\nReconciliation of Market Value\n\nUtilize this subsection for additional commentary as required by USPAP.\n\nAppraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 18 of 21\nPage 18 of 21\n\nReconciliation (continued)\n\nApparent Defects, Damages, Deficiencies\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nDwelling Exterior\n\nLocation\n\nDescription\n\nRoof\n\nSection of Roof\n\nRoof is significantly worn and has\ndamaged flashing, but no apparent\nactive leaks.\n\nAffects Soundness\nor Structural\nIntegrity\n\nRecommended\nAction\n\nEstimated Cost to\nRepair\n\nYes\n\nRepair\n\n$1,500\n\nUnit Interior\n\nFlooring\n\nDining Room\n\nCarpet is stained in one corner of the\nDining Room.\n\nNo\n\nNone\n\nTotal Cost\n\n$1,500\n\nAs Is Overall Condition Rating\n\nC5\n\nExisting condition of the property as of the effective date of this\nappraisal, excluding all required repairs, alterations, or inspections\n\nAppraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024\n"}
diff --git a/chunks/json/196a7b1f6404dfbcdc2687706853ae384949e23ec560839bc05062fb93c768e3.json b/chunks/json/196a7b1f6404dfbcdc2687706853ae384949e23ec560839bc05062fb93c768e3.json
new file mode 100644
index 0000000000000000000000000000000000000000..ae35844ff6767c41c84a1dde89df4770b287fb83
--- /dev/null
+++ b/chunks/json/196a7b1f6404dfbcdc2687706853ae384949e23ec560839bc05062fb93c768e3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":5269,"char_start":3231,"chunk_id":"chk_bf4ef40fe287808f","chunk_index":2,"chunk_sha256":"196a7b1f6404dfbcdc2687706853ae384949e23ec560839bc05062fb93c768e3","date_utc":"2026-01-27T18:07:53+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_683eb2c66d3ccccc","text_sha256":"196a7b1f6404dfbcdc2687706853ae384949e23ec560839bc05062fb93c768e3","token_estimate":509,"warnings":["source_path=Appendix C-2 Restricted Appraisal Update Report Layout/_.pdf/Appendix C-2 Restricted Appraisal Update Report with Report Field IDs v1.2.pdf"]},"text":"04.024\n\n04.025\n\nUpdate Version #\n\nHF.002\n\nFannie Mae | Freddie Mac\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n\nHF.003\nHF.004\n\nAppraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\nHF.005\nHF.006\nHF.007\nHF.008\n\nRestricted Appraisal Update Report\n\nHF.001\n\nPage [Page] of [Pages]\n\nSupervisory Appraiser\n\nName\nDesignation\nCompany Name\nCompany Address\n\n04.026\n\n04.027\n\n04.028\n\n04.029\n\nScope of Inspection by Supervisory Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\n04.030\n\n04.031\n04.032\n\nSignificant Real Property Appraisal Assistance\n\nName\n\n04.041\n\nDescription\n04.046\n\nAssignment Information and Scope of Work Commentary\n\n04.047\n\nCredentials\n\nLevel\nID\nState\nExpires\n\n04.033\n\n04.034\n\n04.035\n\n04.036\n\nASC Identifier\nVA Appraiser ID\nFHA Appraiser ID\nEmployment Type\n\nCredentials\n\nLevel\nID\nState\nExpires\n\n04.042\n\n04.043\n\n04.044\n\n04.045\n\nUpdate Version #\n\nHF.002\n\nFannie Mae | Freddie Mac\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n\nHF\nHF.004\n\nAppraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\nHF.005\nHF.006\nHF.007\nHF.008\n\nRestricted Appraisal Update Report\n\nHF.001\n\nPage [Page] of [Pages]\n\nScope of Work\n\n05.001\n\nThe scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users, the\nintended use, the definition of market value as defined in the Uniform Residential Appraisal Report, the effective date, the subject property\nand its relevant characteristics, and the applicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate\nand reliable information for the subject property; (2) research, verify, and analyze adequate and reliable data for the subject market area\nincluding data for each comparable property reported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report.\n"}
diff --git a/chunks/json/19720d5f3ccb3e1a2046804d6c480aef786cf84fed6d7b969700bcf37ae60358.json b/chunks/json/19720d5f3ccb3e1a2046804d6c480aef786cf84fed6d7b969700bcf37ae60358.json
new file mode 100644
index 0000000000000000000000000000000000000000..a2e78801c1a7d743c127d497bdf156c98be6b2a7
--- /dev/null
+++ b/chunks/json/19720d5f3ccb3e1a2046804d6c480aef786cf84fed6d7b969700bcf37ae60358.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":971969,"char_start":970130,"chunk_id":"chk_a00fb935a1c32746","chunk_index":579,"chunk_sha256":"19720d5f3ccb3e1a2046804d6c480aef786cf84fed6d7b969700bcf37ae60358","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"19720d5f3ccb3e1a2046804d6c480aef786cf84fed6d7b969700bcf37ae60358","token_estimate":460,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Enumerated\n\nUAD Requirement - Refer to Appendix D Reconcilliation Section\nA separate Valuation Reconciliation Condition of Appraisal element must be populated\nfor each box that is checked.\n\nEnumerated\n\nUAD Requirement - Refer to Appendix D Reconciliation Section\nA separate Valuation Reconciliation Condition of Appraisal element must be populated\nfor each box that is checked.\n\n476\n\n3\n\n131\n\nRECONCILIATION Comment Area\n\nValuation\nReconciliation\nConditions\nComment\n\nA free-form text field used to summarize\nand clarify the conditions of the subject\nproperty upon which its valuation is\nbased.\n\n/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/@_Conditions\nComment\n\n4000\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nT\n\nShould be populated if there is an indicated\nvalue in field 3-122.\n\nEither field 3-127 (Valuation Reconciliation\nCondition of Appraisal Type = 'AsIs'), or at\nleast one of fields 3-128, 3-129 , 3-130\n(other values of Valuation Reconciliation\nCondition of Appraisal Type) must be\nindicated. If field 3-127 is indicated, then\nnone of fields 3-128, 3-129 , 3-130 may be\nindicated.\n\nEither field 3-127 (Valuation Reconciliation\nCondition of Appraisal Type = 'AsIs'), or at\nleast one of fields 3-128, 3-129 , 3-130\n(other values of Valuation Reconciliation\nCondition of Appraisal Type) must be\nindicated. If field 3-127 is indicated, then\nnone of fields 3-128, 3-129 , 3-130 may be\nindicated.\n\nEither field 3-127 (Valuation Reconciliation\nCondition of Appraisal Type = 'AsIs'), or at\nleast one of fields 3-128, 3-129 , 3-130\n(other values of Valuation Reconciliation\nCondition of Appraisal Type) must be\nindicated. If field 3-127 is indicated, then\nnone of fields 3-128, 3-129 , 3-130 may be\nindicated.\n"}
diff --git a/chunks/json/1980b999115996ed5031f4a637080923e8be9c2ce50a48c90473fa98feb2431a.json b/chunks/json/1980b999115996ed5031f4a637080923e8be9c2ce50a48c90473fa98feb2431a.json
new file mode 100644
index 0000000000000000000000000000000000000000..d786b3303798fc7c07543104c4ea4a529a40ccb7
--- /dev/null
+++ b/chunks/json/1980b999115996ed5031f4a637080923e8be9c2ce50a48c90473fa98feb2431a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":477787,"char_start":476146,"chunk_id":"chk_6a24376fd3759c57","chunk_index":271,"chunk_sha256":"1980b999115996ed5031f4a637080923e8be9c2ce50a48c90473fa98feb2431a","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"1980b999115996ed5031f4a637080923e8be9c2ce50a48c90473fa98feb2431a","token_estimate":410,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"A. MAPPI NG GUI DANCE\n\nThe MISMO v3.3.0 definition for DeficiencyRightsPreservedIndicator is “When true, indicates that upon the\nforeclosure sale completion deficiency rights against the borrowers are preserved.” Note that the data point is\ntalking about the lender’s rights, so a “true” answer here means that state law does not protect the borrower’s\nrights.\n\nB. FOR MORE I NFORMATI ON\n\n22.0: §1026.38(p) pp. 80128, 80360, 80045; Cross Reference to §1026.37(m) pp. 80119, 80347, 79985.\n\n22.1: §1026.38(p)(3) pp. 80128, 80360, 80046-7; Cross Reference to §1026.37(m)(7) pp. 80120, 80348, 79990-1.\n\nAppendix E: UCD Implementation Guide\n\nPage 223 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n23.0 Contact Information\n\n23.0 CONTACT INFORMATION\n\nThe Contact Information table is included in the following Closing Disclosure variations:\n\nTable 150. Required Sections for each Closing Disclosure Variation -- UPDATED\n\nForm\nField ID\n\nForm Section Name\n\nPurchase Transactions Only\n\nModel Form\n\nSplit-Borrower Only\n\nNon-Seller Transactions Only\nAlternate Form\n\n23.0\n\nContact Information\n\nLender\n\nLender\n\nLender\n\nSettlement Agent\n\nSettlement Agent\n\nSettlement Agent\n\nAs applicable: Mortgage\nBroker\n\nAs applicable: Mortgage\nBroker\n\nAs applicable: Mortgage\nBroker\n\nReal Estate Broker (B) Real\nEstate Broker (S)\n\nReal Estate Broker (B)\nReal Estate Broker (S)\n\n23. 0. 1 – 23. 0. 5 CONTACT I NFORMATI ON PARTI ES - UPDATED\n\nThe Contact Information table requires that both the organizational contact and individual contact information\nbe provided for the following parties to the transaction as applicable. The GSEs do not require the grayed out\nfields.\n"}
diff --git a/chunks/json/19891f0ba8f132f2d6845d825d8793db29bcf852cd275ae89fb6110373b8187b.json b/chunks/json/19891f0ba8f132f2d6845d825d8793db29bcf852cd275ae89fb6110373b8187b.json
new file mode 100644
index 0000000000000000000000000000000000000000..6385f5418b9c1dbf7bdcd680e3a49d8e7abc6d7d
--- /dev/null
+++ b/chunks/json/19891f0ba8f132f2d6845d825d8793db29bcf852cd275ae89fb6110373b8187b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6681,"char_start":4967,"chunk_id":"chk_d49caa81eb5788d1","chunk_index":3,"chunk_sha256":"19891f0ba8f132f2d6845d825d8793db29bcf852cd275ae89fb6110373b8187b","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e92a533ee2f09e32","text_sha256":"19891f0ba8f132f2d6845d825d8793db29bcf852cd275ae89fb6110373b8187b","token_estimate":429,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2023-ucd-release-notes.pdf"]},"text":"© 2023 Fannie Mae 12.14.23 Page 2 of 5\n\njoint announcement on the UCD Critical Edits Transition Resources page for additional resources.\n\nJuly 21\n\nUCD Data Quality\n\nTo further refine UCD data quality, the following new edit will be added to UCD as warning severity on July 21.\n\nEdit 3674: When the Loan Discount Points Fee Total Percent is greater than 0, the Note Rate Percent cannot equal the Loan\nPrice Quote Interest Rate Percent. The Loan Price Quote Interest Rate Percent should be the interest rate without any discount\npoints applied.\n\nJuly 17\n\nUCD Phase 3A Edit\nUpdates\n\nOn July 17, UCD removed edit 3631 from UCD, as edit 3628 covers the same conditions. Edit 3628 will remain active as fatal\nseverity with no changes.\n\nEdit 3631: When Prepaid Item Type is equal to 'PrepaidInterest', Integrated Disclosure Section is required and must equal\n'Prepaids'.\n\nMay 1\n\nUCD Critical Edits -\nPhase 3\nImplementation\n\nThe UCD Phase 3 critical edits are divided into two subsets, 3A and 3B:\n• Phase 3A edits will transition to critical/fatal on May 1, 2023.\n• Phase 3B edits will transition to critical/fatal on Nov. 6, 2023, giving more time to lenders, third-party originators, and\n\nsoftware partners/Technology Solution Providers (TSPs) to analyze and resolve problematic data.\n\nAll edits for both subset Phases 3A and 3B are available for testing in the UCD Collection Solution. The UCD\nSubmission and Findings report has been updated in Fannie Mae Connect with the respective fatal date for UCD Phase\n3A and 3B edits.\n\nSee the Phase 3 Edits tab in the UCD Feedback Messages document for a list of the UCD Phase 3 edits. Please refer to\nthe UCD Critical Edits Transition Resources page for additional resources.\n"}
diff --git a/chunks/json/1991a71ed0c0f90a2419d93250b7b5119f9f826c1c09a908164691fdbc06743a.json b/chunks/json/1991a71ed0c0f90a2419d93250b7b5119f9f826c1c09a908164691fdbc06743a.json
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index 0000000000000000000000000000000000000000..2260a7a2193debddf7ca2b0a7622c42057a1ba53
--- /dev/null
+++ b/chunks/json/1991a71ed0c0f90a2419d93250b7b5119f9f826c1c09a908164691fdbc06743a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3399,"char_start":1603,"chunk_id":"chk_79490ef9afe1d979","chunk_index":1,"chunk_sha256":"1991a71ed0c0f90a2419d93250b7b5119f9f826c1c09a908164691fdbc06743a","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_f77a7012f55d0780","text_sha256":"1991a71ed0c0f90a2419d93250b7b5119f9f826c1c09a908164691fdbc06743a","token_estimate":449,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/uad-lender-readiness-questionnaire.pdf"]},"text":"2. Appraisal Processes: My organization’s appraisal processes have been updated as necessary and are ready to\n\nsupport implementation of the redesigned URAR and updated UAD 3.6 dataset.\n☐ Yes\n\n☐ No\n\n© 2025 Freddie Mac and Fannie Mae. Trademarks of respective owners.\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n\n1 of 3\n\n3. Have you confirmed your appraisers and/or AMCs are ready to complete a UAD 3.6 appraisal report?\n\n☐ Yes\n\n☐ No\n\nVolume: _________________________________________________________________________\n\n4.\n\nInternal Training: My organization has updated, created, and conducted the training necessary to support\nimplementation of the redesigned URAR and updated UAD 3.6 dataset.\n☐ Yes\n\n☐ No\n\n5. GSE Training: The applicable employees in my organization have taken the GSE developed training necessary\nto support implementation of the redesigned URAR and updated UAD 3.6 dataset. Training is available on the\nFannie Mae and Freddie Mac UAD webpages.\n☐ Yes\n☐ No\n\n6. Loan Delivery: My organization has updated, tested and is ready to submit ULDD Phase 5 through our Loan\n\nOrigination Software, which supports changes to align with the new UAD 3.6.\n☐ Yes\n\n☐ No\n\n7. Describe your appraisal process including use of any technology service providers from the point you run Loan\n\nProduct Advisor® (LPA®) or Desktop Underwriter® (DU®) until you sell the loan to a GSE.\n\n3. Technology Readiness\n\nTo the best of my knowledge, my organization has coordinated and tested with its technology service providers to\nensure they are ready to order, receive, review, consume and submit appraisal reports based on the redesigned\nURAR and updated UAD 3.6 specification.\n"}
diff --git a/chunks/json/1993bc68f217fb67deaaa59f6c33ff7b9be71759ae315bf44744a6bab08992fc.json b/chunks/json/1993bc68f217fb67deaaa59f6c33ff7b9be71759ae315bf44744a6bab08992fc.json
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index 0000000000000000000000000000000000000000..19f8f422c68e149872e91d6078446c313e3b8791
--- /dev/null
+++ b/chunks/json/1993bc68f217fb67deaaa59f6c33ff7b9be71759ae315bf44744a6bab08992fc.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3332,"char_start":1686,"chunk_id":"chk_2b6188fcec6f6b50","chunk_index":1,"chunk_sha256":"1993bc68f217fb67deaaa59f6c33ff7b9be71759ae315bf44744a6bab08992fc","date_utc":"2026-01-27T18:02:19+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0422410895f167bc","text_sha256":"1993bc68f217fb67deaaa59f6c33ff7b9be71759ae315bf44744a6bab08992fc","token_estimate":412,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-readiness-checklist-direct-integrators.pdf"]},"text":"Critical Edits.\n\n Budget and plan for required changes to your systems.\n\n Develop and implement changes, focusing closely on making all ucd:FeeItemType enumerations available\n\naccording to UCD v2.0 Tab 9 requirements.\n\n Conduct internal system testing.\n\n Test your XML output against the UCD v2.0 Development Subschema (UCD Subschema) to ensure your\nchanges are producing well-formed XML compliant with UCD v2.0. (See “Using the Subschema Package\nfor XML File Validation” below.)\n\n Begin to update internal user guides, job aids and training materials to support your UCD v2.0 adoption.\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks are property of their respective owners.\n\nJune 2025\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by\nFannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.\n\nl\n\nJUNE 30, 2025 — CUSTOMER TEST ENVIRONMENTS AVAILABLE\n\n Begin testing XML files with the GSEs.\n\n Begin working with the GSE technology integration teams on GSE-specific XML test cases.\n\n Develop a systematic plan and schedule for making corrections and releasing fixes during the testing\n\nperiod.\n\n Keep the GSEs and your customers informed on production implementation dates.\n\n Develop a customer communication plan on how you will be supporting both UCD v1.5 and UCD v2.0\n\nduring the transition period.\n\nSEPTEMBER 29, 2025 — PRODUCTION ENVIRONMENTS AVAILABLE\n\n Implement tested UCD v2.0 into the production environment and notify customers of its availability.\n\n If applicable, implement required updates to UCD v1.5 to comply with specification version and Phase 4\n"}
diff --git a/chunks/json/199814e7adfc6bf59fd429c941a0f9f46aca31c98b76ac2c6c1e500216695c18.json b/chunks/json/199814e7adfc6bf59fd429c941a0f9f46aca31c98b76ac2c6c1e500216695c18.json
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index 0000000000000000000000000000000000000000..b067191399c2f7df4beb6295842fc5457d3b8e3e
--- /dev/null
+++ b/chunks/json/199814e7adfc6bf59fd429c941a0f9f46aca31c98b76ac2c6c1e500216695c18.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":24760,"char_start":22336,"chunk_id":"chk_42bdf2a77c4c324e","chunk_index":6,"chunk_sha256":"199814e7adfc6bf59fd429c941a0f9f46aca31c98b76ac2c6c1e500216695c18","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_bfc6a9e859d5b23f","text_sha256":"199814e7adfc6bf59fd429c941a0f9f46aca31c98b76ac2c6c1e500216695c18","token_estimate":606,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Fannie_Mae_ubpw4r.md"]},"text":"The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team created the [UAD Inspection and Reporting Tips](/media/document/pdf/uad-36-inspection-and-reporting-tips) document to highlight notable differences in information collected between the legacy forms (UAD 2.6) and the redesigned URAR (UAD 3.6).\n\nAppraisers can use the Inspection and Reporting Tips document as a job aid when completing appraisal assignments using UAD 3.6. It focuses on new information requirements when physically inspecting the property or when researching property information and completing the URAR.\n\nVisit the [Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and webpages to view all UAD resources.\n\nUAD 3.6 Compliance Rules Update - URAR, Restricted Appraisal Update Report, and Completion Report: Sept. 16, 2025\n\nThe Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign team has updated the UAD Compliance Rules for the Uniform Residential Appraisal Report (URAR), Restricted Appraisal Update Report, and Completion Report.\n\n**Summary of Changes**\n\n- **Severity Level Changes:**Effective January 26, 2026, the severity level for certain rules applicable to the Restricted Appraisal Update Report and Completion Report will be updated. For details, see [Appendix H-2](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report) and [Appendix H-3](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report) on the [Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) UAD webpages. With the implementation of UAD 3.6, Restricted Appraisal Update Reports and Completion Reports must be submitted to the Uniform Collateral Data Portal® (UCDP®) as referenced in Fannie Mae’s [*Selling Guide* Supplement: UAD 3.6 Policy](/media/document/pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy) and Freddie Mac’s*Single-Family Seller/Servicer Guide* (Guide)[Bulletin 2025-7](https://guide.freddiemac.com/app/guide/bulletin/2025-7).\n- **URAR:**Note update to one rule – see [Appendix H-1](/media/document/xlsx/appendix-h1-uad-compliance-rules-urar).\nIf you have questions, please contact your GSE account representative.\n"}
diff --git a/chunks/json/199abfc824e757b678cffc791458f5e85869087134e070a84b7a3c2a9c64c27e.json b/chunks/json/199abfc824e757b678cffc791458f5e85869087134e070a84b7a3c2a9c64c27e.json
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index 0000000000000000000000000000000000000000..5765d0efcbca6a4f47fc622a84a302522e076467
--- /dev/null
+++ b/chunks/json/199abfc824e757b678cffc791458f5e85869087134e070a84b7a3c2a9c64c27e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":470830,"char_start":469228,"chunk_id":"chk_a00431854bd087ae","chunk_index":276,"chunk_sha256":"199abfc824e757b678cffc791458f5e85869087134e070a84b7a3c2a9c64c27e","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"199abfc824e757b678cffc791458f5e85869087134e070a84b7a3c2a9c64c27e","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"At least one of fields 1-175, 1-176, 1-\n177 (values of Project Management\nType and sometimes values of Project\nManagement Type Other Description)\nshould be indicated.\n\nAt least one of fields 1-175, 1-176, 1-\n177 (values of Project Management\nType and sometimes values of Project\nManagement Type Other Description)\nshould be indicated.\n\nAt least one of fields 1-175, 1-176, 1-\n177 (values of Project Management\nType and sometimes values of Project\nManagement Type Other Description)\nshould be indicated.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\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\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\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nT\n\nForm FNM 1073 FRE 465\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 94 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\n187\n\n1\n\n176, 177\n\nPROJECT\nINFORMATION\n\nManagement Group\nDeveloper and Management\nAgent\n\nProject\nManagement Type\nOther Description\n\nIdentifies type of management associated\nwith the project.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ManagementType='Oth\ner' and\n@_ManagementTypeOtherDescription='DeveloperAndManagementAgent']\n\n188\n\n1\n\n175, 176, 177\n\nPROJECT\nINFORMATION\n\nManagement Group\nHomeowners' Association,\nDeveloper, and Management\nAgent\n\nProject\nManagement Type\nOther Description\n\nIdentifies type of management associated\nwith the project.\n"}
diff --git a/chunks/json/19a2cc286c5d26bc91a5da6e7ca63e52f0fcabe9468ed5dbb67564b3c9a92e6e.json b/chunks/json/19a2cc286c5d26bc91a5da6e7ca63e52f0fcabe9468ed5dbb67564b3c9a92e6e.json
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index 0000000000000000000000000000000000000000..b44674366685fe6245e1d5385d2ef7de597af3c0
--- /dev/null
+++ b/chunks/json/19a2cc286c5d26bc91a5da6e7ca63e52f0fcabe9468ed5dbb67564b3c9a92e6e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":166901,"char_start":165300,"chunk_id":"chk_b2edcaf1fcd50edb","chunk_index":97,"chunk_sha256":"19a2cc286c5d26bc91a5da6e7ca63e52f0fcabe9468ed5dbb67564b3c9a92e6e","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"19a2cc286c5d26bc91a5da6e7ca63e52f0fcabe9468ed5dbb67564b3c9a92e6e","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"If field 1-195 (Car Storage Exists Indicator =\n'N') is indicated, then none of fields 1-196, 1-\n199, 1-201 (Car Storage Location Exists\nIndicator = 'Y' and values of Car Storage\nLocation Type) may be indicated. If field 1-\n195 is not indicated, then at least one of fields\n1-196, 1-199, 1-201 must be indicated.\n\nIf at least one of fields 1-199, 1-201 is\nindicated (Car Storage Location Type =\n'Garage' or 'Carport', and Car Storage\nLocation Exists Indicator = 'Y'), than at least\none of fields 1-203,1-204,1-205 (types of Car\nStorage Attachment Type) should be indicated.\nIf neither of fields 1-199, 1-201 are indicated\nthen none of fields 1-203,1-204,1-205 should\nbe indicated.\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nR\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nR\n\nT\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nT\n\nT\n\nR\n\nT\n\nR\n\nT\n\nForm FNM 1004 FRE 70\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 46 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm\nSection\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXpath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality 1004/70\n\nData Field\nConditionality 1004\nHybrid/70H\n\nData Field\nConditionality 1004\nDesktop/70D\n\n210\n\n1\n\n204\n\nIMPROVEMENTS\n\nCar Storage\nDet.\n\nCar Storage\nAttachment Type\n\nSpecifies if the Car Storage Location\nspecified by Car Storage Location\nType is attached or detached.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/CAR_STORAGE[@_AttachmentTyp\ne='Detached']\n\n8\n\nEnumerated\n\n212\n\n213\n\n214\n\n215\n\n216\n\n217\n\n218\n\n219\n\n220\n\n221\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n1\n\n211\n\n1\n\n205\n\nIMPROVEMENTS\n\nCar Storage\nBuilt-in\n"}
diff --git a/chunks/json/19ab6addcfa03a1388c301299a86543d364b5c378bcfc09749a20c079f4078a5.json b/chunks/json/19ab6addcfa03a1388c301299a86543d364b5c378bcfc09749a20c079f4078a5.json
new file mode 100644
index 0000000000000000000000000000000000000000..84771b9beeeb468c92c0c4e20f598100e029f45c
--- /dev/null
+++ b/chunks/json/19ab6addcfa03a1388c301299a86543d364b5c378bcfc09749a20c079f4078a5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":259249,"char_start":257421,"chunk_id":"chk_098fe14a8d1d1b77","chunk_index":152,"chunk_sha256":"19ab6addcfa03a1388c301299a86543d364b5c378bcfc09749a20c079f4078a5","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"19ab6addcfa03a1388c301299a86543d364b5c378bcfc09749a20c079f4078a5","token_estimate":457,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Report\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\n8.037\n\nDetail\n\nAlways required\n\nFree-form\n\nDefinition / Additional Guidance\n\nBrief description of the windows.\nNote: For further expansion of commentary, use Dwelling Exterior Commentary\n(8.061).\n\n8.039\n\nCondition Status Always required\n\nChoose an\nallowable answer\nfrom table\n(Exterior Feature\nCondition Status)\n\nWindows Condition Status: The condition status of the windows.\n•\n•\n•\n•\n\nNew or Like New\nTypical Wear and Tear\nDamaged and Functional\nDamaged and Nonfunctional\n\nNotes:\n•\n\nIf there are varying condition statuses for the windows, choose the one\nthat best explains the Exterior Condition Rating.\nCondition Status reflects the required repairs, inspections, or completions\nas if they were completed. The current condition is noted in the Apparent\nDefects, Damages, and Deficiencies (Dwelling Exterior) subsection.\nIndividual damages must be reported in the Apparent Defects, Damages,\nand Deficiencies (Dwelling Exterior) subsection.\n\n•\n\n•\n\nAppendix F-1: URAR Reference Guide\n\nPage 107 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n08 Dwelling Exterior\n\nOther Exterior Feature\n\nRow(s) can be added to the Exterior Features table for other feature(s) that are significant to the Exterior\nQuality and Condition Ratings. A row displays in the Exterior Features table for each additional exterior feature\nthat is provided.\n\nOTHER EXTERIOR FEATURE EXAMPLE IN DWELLING EXTERIOR AND SALES COMPARISON APPROACH\n\nIn this example, Ornamentation was added as an additional exterior feature in the Exterior Features table.\n\nThe additional exterior feature (Ornamentation) was also brought into the Sales Comparison Approach\n(22.08.07, 22.08.14) to support the Quality and Condition ratings. Comps 1 and 2 did not have ornamentation,\nso “None” was entered.\n"}
diff --git a/chunks/json/19d4513c4570e2203b2f1d9b2e5c9e5435ca63971099060ce96c620a93efec61.json b/chunks/json/19d4513c4570e2203b2f1d9b2e5c9e5435ca63971099060ce96c620a93efec61.json
new file mode 100644
index 0000000000000000000000000000000000000000..adca9275aae35dd34be940968e1cd728c44db663
--- /dev/null
+++ b/chunks/json/19d4513c4570e2203b2f1d9b2e5c9e5435ca63971099060ce96c620a93efec61.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":79683,"char_start":78239,"chunk_id":"chk_414d0d4d505994e2","chunk_index":43,"chunk_sha256":"19d4513c4570e2203b2f1d9b2e5c9e5435ca63971099060ce96c620a93efec61","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"19d4513c4570e2203b2f1d9b2e5c9e5435ca63971099060ce96c620a93efec61","token_estimate":412,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Table IV-4. Reusable Containers Example from ULDDS Appendix A.\n\nMESSAGE (MIN=1, MAX=1)\n\n.DEAL_SETS (MIN=1, MAX=1)\n\n..DEAL_SET (MIN=1, MAX=unbounded)\n\n…DEALS (MIN=1, MAX=1)\n\n….DEAL (MIN=1, MAX=unbounded)\n\n….:COLLATERALS (MIN=1, MAX=1)\n\n….:.COLLATERAL (MIN=1, MAX=1)\n\n….:..PROPERTIES (MIN=1, MAX=1)\n\n….:...PROPERTY (MIN=1, MAX=1)\n\n….:….ADDRESS (MIN=1, MAX=1)\n\nXPath:\nMESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERT\nY/ADDRESS\n\nThis use of the ADDRESS container is to capture the property address serving as collateral\nfor the subject loan. Now, review the XPath of the other ADDRESS container. Its location\nin the V3.0 Reference Model indicates that is the address for a particular PARTY. The\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 32 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nvalue of the PartyRoleType data point within PARTY will tell us that it is the borrower’s\naddress.\n\nTable IV-5. Reusable Containers Example from ULDDS Appendix A.\n\nMESSAGE (MIN=1, MAX=1)\n\n.DEAL_SETS (MIN=1, MAX=1)\n\n..DEAL_SET (MIN=1, MAX=unbounded)\n\n…DEALS (MIN=1, MAX=1)\n\n….DEAL (MIN=1, MAX=unbounded)\n\n….:PARTIES (MIN=1, MAX=1)\n\n….:.PARTY (MIN=1, MAX=unbounded)\n\n….:...ADDRESSES (MIN=0, MAX=1)\n\n….:….ADDRESS (MIN=0, MAX=1)\n\nXPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ADDRESSES/ADDRESS\n"}
diff --git a/chunks/json/19d6363b567780df1e99c29ec071aec714c89f1dd66db42389b5b3bda6fa9ea8.json b/chunks/json/19d6363b567780df1e99c29ec071aec714c89f1dd66db42389b5b3bda6fa9ea8.json
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index 0000000000000000000000000000000000000000..e1300a37419a331726790435de781b8a19359732
--- /dev/null
+++ b/chunks/json/19d6363b567780df1e99c29ec071aec714c89f1dd66db42389b5b3bda6fa9ea8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3528,"char_start":1605,"chunk_id":"chk_cea1299ffc80ab81","chunk_index":1,"chunk_sha256":"19d6363b567780df1e99c29ec071aec714c89f1dd66db42389b5b3bda6fa9ea8","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0e016e5dd2b05fe3","text_sha256":"19d6363b567780df1e99c29ec071aec714c89f1dd66db42389b5b3bda6fa9ea8","token_estimate":481,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-integration-impact-memo-march-2024.pdf"]},"text":"Asset account information may have been\nused to support the income and/or\nemployment information provided on the\nonline loan application.\n\nIncome and/or employment cannot be\nsupported using asset account information\ndue to the following:\nReason\n\nNew\n\n3107\n\nVERIFICATION\n\nEMPLOYMENT &\nINCOME\n\nParametric The total income for this loan casefile of $%a\n\nNew\n\n3489\n\nVERIFICATION\n\nEMPLOYMENT &\nINCOME\n\nFixed\n\nentered on the online loan application is\nsupported using asset account information.\nThe asset report from %a is acceptable\ndocumentation to support this income.\n\nDU observed that the submitted asset\nreport(s) do not contain twelve months of\ntransaction history. Therefore, this asset\nreport(s) will be insufficient for employment-\nrelated income validation.\n\n© 2024 Fannie Mae\n\n1 of 4\n\nMessage\nStatus\n\nMessage\nIdentifier\n\nMessage Severity\nType Code\n\nMessage Category\nType Code\n\nMessage\nType\n\nLender Text\n\nNew\n\n3735\n\nVERIFICATION\n\nEMPLOYMENT &\nINCOME\n\nNew\n\n3737\n\nVERIFICATION\n\nEMPLOYMENT &\nINCOME\n\nParametric Child support must be verified for %a with one\n\nof the following documents: divorce decree,\nseparation agreement, court decree, any\nother legal agreement that describes the\npayment terms, or any applicable state law\nthat requires such payments and specifies the\nconditions under which the payments must be\nmade. The lender must verify the child\nsupport income will continue for at least three\nyears. Refer to the Selling Guide for additional\ninformation.\n\nParametric Alimony must be verified for %a with one of\n\nthe following documents: divorce decree,\nseparation agreement, court decree, any\nother legal agreement that describes the\npayment terms, or any applicable state law\nthat requires such payments and specifies the\nconditions under which the payments must be\nmade. The lender must verify the alimony\nincome will continue for at least three years.\nRefer to the Selling Guide for additional\ninformation.\n"}
diff --git a/chunks/json/19d812e3c37ceaf548f0bc4f1e323ba206f05bf334cb207b2b4810fa911f71a8.json b/chunks/json/19d812e3c37ceaf548f0bc4f1e323ba206f05bf334cb207b2b4810fa911f71a8.json
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diff --git a/chunks/json/19dd12372232e34974d7b62429b06a8510065c4bae971db67575410ceaac2fff.json b/chunks/json/19dd12372232e34974d7b62429b06a8510065c4bae971db67575410ceaac2fff.json
new file mode 100644
index 0000000000000000000000000000000000000000..7d5e92ac093af7cbdc010a93d894b1a988a89bae
--- /dev/null
+++ b/chunks/json/19dd12372232e34974d7b62429b06a8510065c4bae971db67575410ceaac2fff.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":45225,"char_start":44043,"chunk_id":"chk_abcac0c952df3a63","chunk_index":46,"chunk_sha256":"19dd12372232e34974d7b62429b06a8510065c4bae971db67575410ceaac2fff","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"19dd12372232e34974d7b62429b06a8510065c4bae971db67575410ceaac2fff","token_estimate":447,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"Uniform Residential Appraisal Report\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20)\n\nPage [Page] of [Pages]\n\nSubject Listing Information\n\nCurrent and/or relevant listings of the subject property (minimum 1 year look back)\n\nCurrent or Relevant Listings 19.000\n19.001\n\nData Source\n\nListing Status\n\nListing Type\n\nListing ID\n\nStart Date\n\nEnd Date\n\n19.002\n\n19.003\n\n19.004\n\n19.005\n\n19.006\n\nTotal DOM\n\nDOM\n\n19.007\n\n19.010\n\nStarting\nList Price\n\n19.008\n\nCurrent or\nFinal List Price\n\n19.009\n\nAnalysis of Subject Property Listing History\n\n19.011\n\nSubject Listing Information Exhibits\n\n19.012.1 | 19.012.2\n\nAppraisal Version #\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21)\n\nFannie Mae | Freddie Mac\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23)\n\nAppraiser Reference ID\nAgency Case File ID\nClient Reference ID\nAMC Reference ID\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26)\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27)\n"}
diff --git a/chunks/json/19f43986343eb77e89109a365e2a2ef56b2158d8b5a9c461b560c532fddaef95.json b/chunks/json/19f43986343eb77e89109a365e2a2ef56b2158d8b5a9c461b560c532fddaef95.json
new file mode 100644
index 0000000000000000000000000000000000000000..d521561ba12fe54bb84779c782415b03655d778c
--- /dev/null
+++ b/chunks/json/19f43986343eb77e89109a365e2a2ef56b2158d8b5a9c461b560c532fddaef95.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":265323,"char_start":263474,"chunk_id":"chk_c62bf90c94f37196","chunk_index":151,"chunk_sha256":"19f43986343eb77e89109a365e2a2ef56b2158d8b5a9c461b560c532fddaef95","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"19f43986343eb77e89109a365e2a2ef56b2158d8b5a9c461b560c532fddaef95","token_estimate":461,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Holds data points and child containers describing\nloan maturity terms.\n\nHolds data points specifying the maturity terms of\nthe loan.\n\nFigure 93. Rendering Loan Maturity Period Data on the CD.\n\n3.0 Loan Information\n\n3.1 Loan Term 30 Years\n\nThe period until the loan matures—the loan term—is provided using two “partner” data points—identical terms with two\ndiffering suffixes: LoanMaturityPeriodCount and LoanMaturityPeriodType.\n\n1. The partner data point ending in “Count” specifies the number of units. The values provided for data points ending in\n\n“Count” must always be whole numbers.\n\n2. The partner data point ending in “Type” indicates the unit of measure. The datasets developed under the UMDP have\n\nstandardized on months as the unit of time for expressing time periods.\n\nTable 58. UCD v2.0 Excerpt of Loan Maturity Period Data Requirements.\n\nUCD UID MISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEA\nL_SET/DEALS/DEAL/LOANS/LOAN/MATURITY/MATURITY_RULE\n\n3.001\n\nLoanMaturityPeriodCount\n\n360\n\n3.002\n\nLoanMaturityPeriodType\n\nMonth\n\nFigure 94. XML Snippet - Example of Loan Maturity Period Data.\n\n<MESSAGE>\n…\n <DEAL>\n\n<LOANS>\n <LOAN>\n\n<MATURITY>\n\n<MATURITY_RULE>\n\n<LoanMaturityPeriodCount>360</LoanMaturityPeriodCount>\n <LoanMaturityPeriodType>Month</LoanMaturityPeriodType>\n</MATURITY_RULE>\n\n</MATURITY>\n\n…\n</MESSAGE>\n\nUCD v2.0 Implementation Guide\n\n- 119 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nT. MORTGAGE INSURANCE DATA\n\nMortgage Insurance (MI) is defined as insurance against the nonpayment of, or default on, an individual mortgage. Examples\nof functional equivalents include Federal Housing Administration (FHA), Veteran Affairs (VA) or United States Department of\nAgriculture-Rural Development (USDA-RD) guarantees.\n"}
diff --git a/chunks/json/1a1b603341c1650ebea4d79bc4a6c0c5cc3ffbb4017c18da52820f6cf0c95a88.json b/chunks/json/1a1b603341c1650ebea4d79bc4a6c0c5cc3ffbb4017c18da52820f6cf0c95a88.json
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+++ b/chunks/json/1a1b603341c1650ebea4d79bc4a6c0c5cc3ffbb4017c18da52820f6cf0c95a88.json
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+{"chunk":{"char_end":37425,"char_start":36942,"chunk_id":"chk_7840fcb624bbd53b","chunk_index":55,"chunk_sha256":"1a1b603341c1650ebea4d79bc4a6c0c5cc3ffbb4017c18da52820f6cf0c95a88","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"1a1b603341c1650ebea4d79bc4a6c0c5cc3ffbb4017c18da52820f6cf0c95a88","token_estimate":430,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Overview ................................................................................................................................................................................................................................................ 169\n\nData Mapping and PDF Rendering Information ..................................................................................................................................................................................... 170\n"}
diff --git a/chunks/json/1a1cc5ee67ddd9e580e10808720e297cfaaf96a24fc92f7fba33fd8d47a92a7f.json b/chunks/json/1a1cc5ee67ddd9e580e10808720e297cfaaf96a24fc92f7fba33fd8d47a92a7f.json
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index 0000000000000000000000000000000000000000..d34b06294f2d4571dd94f3c5bc33125d43e724a1
--- /dev/null
+++ b/chunks/json/1a1cc5ee67ddd9e580e10808720e297cfaaf96a24fc92f7fba33fd8d47a92a7f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":287392,"char_start":285778,"chunk_id":"chk_7246ad9b49c619a1","chunk_index":153,"chunk_sha256":"1a1cc5ee67ddd9e580e10808720e297cfaaf96a24fc92f7fba33fd8d47a92a7f","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"1a1cc5ee67ddd9e580e10808720e297cfaaf96a24fc92f7fba33fd8d47a92a7f","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"Version 1.4\n\nUniform Closing Dataset\n\n8.0 Other Costs Table\n\n8. 7 PREPAI D I NTEREST\n\nPrepaid Interest (also referred to as “Interim Interest”) is disclosed according to the same pattern with the\nfollowing differences in the line item description:\n\n1.\n\n2.\n\nInclude the per diem interest amount\n\nIndicate the interim interest period using the beginning and ending dates\n\n3. Do not identify the payee as it is assumed to be the lender.\n\nPrepaid Interest can be disclosed as a negative number if applicable. If no interest is collected during the period\nbetween closing and the first monthly payment, then $0.00 must be disclosed.\n\nThe data points used to support the Prepaids category are shown in the following table.\n\nFigure 84. Prepaids\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute\n\nMISMO v3.3.0 Value\n\nNotes\n\n8.5.1 N/A - GSE\n\n…/PREPAID_ITEM/PR\nEPAID_ITEM_DETAIL\n\nFeePaidToType\n\nThirdPartyProvider\n\nNot Shown –\nATR/QM\n\nFirst Instance of PREPAID_ITEM\n\n8.5 N/A –XML\n\nIntegratedDisclosure\nSectionType\n\nPrepaids\n\n8.5.1 Homeowners\n\nInsurance Premium\n(# mo. to ___)\n\n8.5\n\nHomeowner’s\nInsurance Premium\n\n8.5\n\nHomeowner’s\nInsurance Premium\n\nN/A - GSE\n\nUID\n8.181\n\n8.5.1 Homeowners\n\nInsurance Premium\n(# mo. to ____)\n\n8.5.3 Borrower-Paid Before\n\nClosing ($)\n\n8.5.3 Borrower-Paid\n\n8.5.3 Before Closing\n\n…/PREPAID_ITEM/PR\nEPAID_ITEM_PAID_T\nO/LEGAL_ENTITY/LEG\nAL_ENTITY_DETAIL\n\n…/PREPAID_ITEM/PR\nEPAID_ITEM_PAYME\nNTS/PREPAID_ITEM_\nPAYMENT\n\nPrepaidItemMonthsP\naidCount\n\n12\n\nROF as “(12 mo.)”\n\nPrepaidItemType\n\nHomeownersInsuran\ncePremium\n\n@gse:DisplayLabelTe\nxt\n\nHomeowner’s\nInsurance Premium\n"}
diff --git a/chunks/json/1a254182210c6bf40c5366f88048d4455337c51f221142b794ecaf2273977a53.json b/chunks/json/1a254182210c6bf40c5366f88048d4455337c51f221142b794ecaf2273977a53.json
new file mode 100644
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+++ b/chunks/json/1a254182210c6bf40c5366f88048d4455337c51f221142b794ecaf2273977a53.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":289445,"char_start":287825,"chunk_id":"chk_230fcfafb4ffbcac","chunk_index":167,"chunk_sha256":"1a254182210c6bf40c5366f88048d4455337c51f221142b794ecaf2273977a53","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"1a254182210c6bf40c5366f88048d4455337c51f221142b794ecaf2273977a53","token_estimate":405,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Room Summary\n\nNone\n\nApparent Defects, Damages, Deficiencies (Barn)\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\nExterior Walls and\nTrim\n\nLocation\nEntire Exterior\n\nDescription\nThe overall structure is showing deterioration;\nmajor issues include holes in the wall of the\nbuilding.\n\nAffects Soundness or\nStructural Integrity\nNo\n\nRecommended\nAction\nNone\n\nOutbuilding Commentary\n\nThis structure is an existing older barn.\n\nOutbuilding Exhibits\n\nApparent Defects, Damages, Deficiencies -\nExterior Walls and Trim\n\nAppraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1)\n\nUniform Residential Appraisal Report\n\nPage 14 of 30\n\nOutbuilding - Rec Room/Garage\n\nConsidered Real Property\nUnits in Structure\nGross Building Area\n\nYes\n0\n900 Sq. Ft.\n\nGross Building Area for the outbuilding includes area for vehicle storage,\nADU(s), and any other uses\n\nDetail\n\nHeating\nCooling\n\nUtilities\n\nYes No\n \n \n\nElectricity\n\nApparent Defects, Damages, Deficiencies (Rec Room/Garage)\n\nNone\n\nOutbuilding Commentary\n\nThis is where the Rec Room/Garage photo would display.\n\nThe table below depicts the area of the outbuilding, excluding vehicle\nstorage and any ADU(s)\nFinish\nFinished\n\nRoom Summary\n1 - Recreation Room\n\nTotal Area\n200 Sq. Ft.\n\nUnfinished\n\n0 Sq. Ft.\n\nThis structure is an existing older, detached garage. 200 Sq. Ft. enclosed and finished space being used as a recreation room.\n\nOutbuilding Exhibits\n\nRecreation Room\n\nThis is where the Recreation Room photo would display.\n"}
diff --git a/chunks/json/1a2ba945cd8684252203b34dc2fc7470adc6f5fafd903cdae7821cbe5cfa275b.json b/chunks/json/1a2ba945cd8684252203b34dc2fc7470adc6f5fafd903cdae7821cbe5cfa275b.json
new file mode 100644
index 0000000000000000000000000000000000000000..005d8ee5a6b7e9ea71f941afda23f24548e33440
--- /dev/null
+++ b/chunks/json/1a2ba945cd8684252203b34dc2fc7470adc6f5fafd903cdae7821cbe5cfa275b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":17037,"char_start":15612,"chunk_id":"chk_fc6caf226a0840d4","chunk_index":9,"chunk_sha256":"1a2ba945cd8684252203b34dc2fc7470adc6f5fafd903cdae7821cbe5cfa275b","date_utc":"2026-01-27T17:47:57+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_874d0463a2fa2d83","text_sha256":"1a2ba945cd8684252203b34dc2fc7470adc6f5fafd903cdae7821cbe5cfa275b","token_estimate":418,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Guarantee_Fees_History___FHFA_hq9o1.md"]},"text":"[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2024](/reports/single-family-guarantee-fees/2024) (12/22/2025)\n\n[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2023](/reports/single-family-guarantee-fees/2023) (1/17/2025)\n\n[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2022](/reports/single-family-guarantee-fees/2022) (5/2/2024)\n\n[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2021](/reports/single-family-guarantee-fees/2021)​ (11/16/2022)\n\n[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2020](/reports/single-family-guarantee-fees/2020)​ (12/21/2021)\n\n[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2019](/reports/single-family-guarantee-fees/2019) (12/14/2020)\n\n[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2018](/reports/single-family-guarantee-fees/2018)(12/18/2019)\n\n[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2017](/reports/single-family-guarantee-fees/2017) (12/10/2018)\n\n[FHFA Issues 2016 Report to Congress on Guarantee Fees](/news/news-release/fhfa-issues-2016-report-to-congress-on-guarantee-fees) (10/17/2017)\n\n[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2016](/reports/single-family-guarantee-fees/2016) (10/17/2017)\n\n*Date last updated: 12/22/2025*\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n"}
diff --git a/chunks/json/1a3921b8f105f05dddb4f81e0c1df2fcc4417614f89985ad36b9e4ce20d6b72c.json b/chunks/json/1a3921b8f105f05dddb4f81e0c1df2fcc4417614f89985ad36b9e4ce20d6b72c.json
new file mode 100644
index 0000000000000000000000000000000000000000..29166ae5a957f6fc90aaadfb8aa5c0008b5f990b
--- /dev/null
+++ b/chunks/json/1a3921b8f105f05dddb4f81e0c1df2fcc4417614f89985ad36b9e4ce20d6b72c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":285481,"char_start":283880,"chunk_id":"chk_16457ed9bf4fa1ff","chunk_index":248,"chunk_sha256":"1a3921b8f105f05dddb4f81e0c1df2fcc4417614f89985ad36b9e4ce20d6b72c","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"1a3921b8f105f05dddb4f81e0c1df2fcc4417614f89985ad36b9e4ce20d6b72c","token_estimate":400,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"\"ParkingGarage\") display ParkingSpacesCount (UID: 3200.0010, FID: 13.002)\n\n▪ When CarStorageType = \"CommonCarport\" OR \"OpenLot\" OR \"ParkingGarage\" display\n\nProjectParkingSpaceAssignmentType (UID: 3200.0012, FID: 13.002). Display spaces and Assignment Type separated by\n“|”delimiter.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\no Detail – CarStorageAttachmentType (UID: 3200.0005, FID: 13.003), ImprovedSurfaceMaterialType (UID: 3200.0008, FID:\n\n13.003), CarStorageAreaMeasure (UID: 3200.0004, FID: 13.003) display as stacked. (Figure 13 - 2)\n\nPage 216\n\nFigure 13 - 1\n\n.\n\nThe Apparent Defects, Damages, Deficiencies (Vehicle Storage) subsection displays when the CarStorageType <> “None”.\n\nWhen VehicleStorageDefectsExistIndicator (UID: 3200.0021, FID: 13.004) = “true”, display static text in italics (FID: 13.004), “The items listed\nbelow represent the As Is condition as of the effective date of this report” and additional data is required in the table below the text. (Figure\n13 - 3)\n\nWhen defects, damages, or deficiencies exist the following data is required for each occurrence:\n\n• Feature - CarStorageType (UID: 3200.0006, FID: 13.0005|13.005.1)\n\n• Location - Is the DefectItemLocationType (UID: 3900.0183, FID: 13.006) = “Other” AND DefectItemLocationTypeOtherDescription\n\n(UID: 3900.0184, FID: 13.006).\n\n• Description - DefectItemDescription (UID: 3900.0181, FID: 13.007)\n• Affects Soundness or Structural Integrity - DefectItemAffectsSoundnessStructuralIntegrityIndicator (UID: 3900.0180, FID: 13.008)\n• Recommended Action - DefectItemRecommendedActionType (UID: 3900.0185, FID: 13.009)\n"}
diff --git a/chunks/json/1a3abe89c7e59e093cdb19c6818191a13bf1d62658ad7d92ff90e69358ae51f5.json b/chunks/json/1a3abe89c7e59e093cdb19c6818191a13bf1d62658ad7d92ff90e69358ae51f5.json
new file mode 100644
index 0000000000000000000000000000000000000000..10b57b19a9d76a4cbd03245c0ef8188e9e5504f1
--- /dev/null
+++ b/chunks/json/1a3abe89c7e59e093cdb19c6818191a13bf1d62658ad7d92ff90e69358ae51f5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":414175,"char_start":412384,"chunk_id":"chk_24d2b76b5d2b2bc8","chunk_index":242,"chunk_sha256":"1a3abe89c7e59e093cdb19c6818191a13bf1d62658ad7d92ff90e69358ae51f5","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1a3abe89c7e59e093cdb19c6818191a13bf1d62658ad7d92ff90e69358ae51f5","token_estimate":448,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"PROJECT SITE Density\n\nSite Feature\nComment\n\nSite Feature\nComment\n\nSite Feature\nComment\n\nA free-form text field describing the\nneighborhood.\nA free-form text field used to discuss\nmarket conditions in the neighborhood\nthat may effect property values.\nA free-form text field used to describe or\ncomment on the aspect of the property\nnamed in the Site Feature Type.\nA free-form text field used to describe or\ncomment on the aspect of the property\nnamed in the Site Feature Type.\nA free-form text field used to describe or\ncomment on the aspect of the property\nnamed in the Site Feature Type.\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/@_Description\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/@_MarketConditi\nonsDescription\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_FEATURE[@_Type='Top\nography']/@_Comment\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_FEATURE[@_Type='Size\n']/@_Comment\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_FEATURE[@_Type='Den\nsity']/@_Comment\n\n4000\n\n4000\n\n40\n\n30\n\n30\n\nString\n\nString\n\nString\n\nString\n\nString\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\n93\n\n1\n\ne-5\n\nPROJECT SITE\n\nView\n\n(Overall Rating)\n\nGSE View Overall\nRating Type\n\nThe overall rating of the view associated\nwith the property.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_V\nIEW_OVERALL_RATING_EXTENSION/COMPARISON_VIEW_OVERALL_\nRATING_EXTENSION_SECTION[@ExtensionSectionOrganizationName='UNI\nFORM APPRAISAL\nDATASET']/COMPARISON_VIEW_OVERALL_RATING_EXTENSION_SEC\nTION_DATA/COMPARISON_VIEW_OVERALL_RATING/@GSEViewOveral\nlRatingType\n"}
diff --git a/chunks/json/1a41591b78e635b4b710f2a424a439e5ccbe37fccb7cc1032f3ee6147b013a61.json b/chunks/json/1a41591b78e635b4b710f2a424a439e5ccbe37fccb7cc1032f3ee6147b013a61.json
new file mode 100644
index 0000000000000000000000000000000000000000..ba4a7638a34636735205e584d824fd2121acd399
--- /dev/null
+++ b/chunks/json/1a41591b78e635b4b710f2a424a439e5ccbe37fccb7cc1032f3ee6147b013a61.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1734,"char_start":0,"chunk_id":"chk_36c43c7e04c10d43","chunk_index":0,"chunk_sha256":"1a41591b78e635b4b710f2a424a439e5ccbe37fccb7cc1032f3ee6147b013a61","date_utc":"2026-01-27T17:48:03+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_ff99c905ab4011ea","text_sha256":"1a41591b78e635b4b710f2a424a439e5ccbe37fccb7cc1032f3ee6147b013a61","token_estimate":531,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHLBank_System_at_100__Focusing_on_the_Future_Repo_g0due.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/fhlbank-system-at-100\"\ndate_accessed: \"2026-01-27T17:48:03.331Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/1a6b1b0ad84ae52b23d6251665bb6f1f9b0fea73c49d3c93a27001b906a67d50.json b/chunks/json/1a6b1b0ad84ae52b23d6251665bb6f1f9b0fea73c49d3c93a27001b906a67d50.json
new file mode 100644
index 0000000000000000000000000000000000000000..bd21fe0315257166d8a618f60c8f09151431a0b1
--- /dev/null
+++ b/chunks/json/1a6b1b0ad84ae52b23d6251665bb6f1f9b0fea73c49d3c93a27001b906a67d50.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":477789,"char_start":476113,"chunk_id":"chk_aafd0beb95ded67d","chunk_index":275,"chunk_sha256":"1a6b1b0ad84ae52b23d6251665bb6f1f9b0fea73c49d3c93a27001b906a67d50","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"1a6b1b0ad84ae52b23d6251665bb6f1f9b0fea73c49d3c93a27001b906a67d50","token_estimate":419,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Uniform Residential Appraisal Report\n\nPage 2 of 23\n\nNEW PG!\n\nAssignment Information\n\nAssignment Reason\nBorrower Name\n\nSeller Name\nCurrent Owner of Public Record\n\nPurchase\nBob Borrower\nBetty Borrower\nJane Doe\nJane Doe\n\nProperty Valuation Method\n\nTraditional Appraisal\n\nWas a Property Data Report used in lieu of an\nInspection?\n\nAppraiser Fee\n\n$0\n\nYes No\n \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\nEmpty Bank\n200 Tree St\nSomewhere, VA 12346\n\nIDK Appraisal Management\nCompany\n300 Main Ave\nSomewhere, VA 12345\n\nAgatha Appraiser\nXYZ Appraisals\n123 Main St\nNowhere, VA 12345\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nPhysical\nPhysical\n09/08/2019\n\nAssignment Information Exhibits\n\nAppraiser’s License\n\nCredentials\n\nID\nState\nExpires\n\nCredentials\n\nLevel\nID\nState\nExpires\n\n5419-2123.4\nVA\n04/30/2020\n\nCertified Residential\nXYZ12345\nVA\n12/31/2019\n\nSubject Property\n\nPhysical Address\n\nCounty\nNeighborhood Name\n\n14568 Generic Rd\nOut There, VA 56789\nFabricated\nNeighborhood\n\nAttachment Type\nUnits Excluding ADUs\nAccessory Dwelling Units\nSpecial Tax Assessments\n\nDetached\n1\n1\nNo\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\nAppraiser Reference ID AA12345Client Reference ID AB12345AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 3 (SF3)\n"}
diff --git a/chunks/json/1a73de47e5afbaa126ad1905aa710757a36864adf51c6008c99c588c15bc62af.json b/chunks/json/1a73de47e5afbaa126ad1905aa710757a36864adf51c6008c99c588c15bc62af.json
new file mode 100644
index 0000000000000000000000000000000000000000..9fcad4af45131473c12decc61c2ed457c779c71b
--- /dev/null
+++ b/chunks/json/1a73de47e5afbaa126ad1905aa710757a36864adf51c6008c99c588c15bc62af.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1746,"char_start":0,"chunk_id":"chk_d04ae65bb05d493d","chunk_index":0,"chunk_sha256":"1a73de47e5afbaa126ad1905aa710757a36864adf51c6008c99c588c15bc62af","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4580f1573ff8d25b","text_sha256":"1a73de47e5afbaa126ad1905aa710757a36864adf51c6008c99c588c15bc62af","token_estimate":529,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Suspended_Counterparty_Program___FHFA_jjvnra.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/regulation/suspended-counterparty-program\"\ndate_accessed: \"2026-01-27T17:47:50.443Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/1a76b02cd0aed1e3dd928a2a23b822f5dc2896f8601c7046c810bde8c32a5a8a.json b/chunks/json/1a76b02cd0aed1e3dd928a2a23b822f5dc2896f8601c7046c810bde8c32a5a8a.json
new file mode 100644
index 0000000000000000000000000000000000000000..46823939f64591a84cfdb0b2154a9fa52c9d3aab
--- /dev/null
+++ b/chunks/json/1a76b02cd0aed1e3dd928a2a23b822f5dc2896f8601c7046c810bde8c32a5a8a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":407494,"char_start":405891,"chunk_id":"chk_e87fda20678871d0","chunk_index":238,"chunk_sha256":"1a76b02cd0aed1e3dd928a2a23b822f5dc2896f8601c7046c810bde8c32a5a8a","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1a76b02cd0aed1e3dd928a2a23b822f5dc2896f8601c7046c810bde8c32a5a8a","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Neighborhood\nHousing Newest\nYears Count\n\nThe age, in years, of the newest\nneighborhood housing specified in\nNeighborhood Housing Type.\n\nNeighborhood\nHousing Oldest\nYears Count\n\nThe age, in years, of the oldest\nneighborhood housing specified in\nNeighborhood Housing Type.\n\nNeighborhood\nHousing\nPredominant Age\nYears Count\n\nNeighborhood\nPresent Land Use\nPercent\nNeighborhood\nPresent Land Use\nPercent\nNeighborhood\nPresent Land Use\nPercent\nNeighborhood\nPresent Land Use\nPercent\nNeighborhood\nPresent Land Use\nPercent\n\nGSE\nNeighborhood\nBoundaries\nDescription\n\nThe predominate age, in years, of the\nneighborhood housing specified by\nNeighborhood Housing Type.\n\nUsed to specify the percentage of land\nused for the category specified by\nNeighborhood Present Land Use Type.\nUsed to specify the percentage of land\nused for the category specified by\nNeighborhood Present Land Use Type.\nUsed to specify the percentage of land\nused for the category specified by\nNeighborhood Present Land Use Type.\nUsed to specify the percentage of land\nused for the category specified by\nNeighborhood Present Land Use Type.\nUsed to specify the percentage of land\nused for the category specified by\nNeighborhood Present Land Use Type.\n\nThe boundaries of the subject\nneighborhood. These boundries may\ninclude but are not limited to streets,\nlegally recognized neighborhood\nboundaries, waterways, or other natural\nboundaries that define the seperation of\none neighborhood from another.\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_DemandSuppl\nyType='Shortage']\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_DemandSuppl\nyType='InBalance']\n"}
diff --git a/chunks/json/1a7caa39dc13d8dbd371d82c7dd95ec6c17fb715b76560bd400a9d8576b8f742.json b/chunks/json/1a7caa39dc13d8dbd371d82c7dd95ec6c17fb715b76560bd400a9d8576b8f742.json
new file mode 100644
index 0000000000000000000000000000000000000000..c5ffea5ac390c0b1681b0886b6cf7d9d71ccb690
--- /dev/null
+++ b/chunks/json/1a7caa39dc13d8dbd371d82c7dd95ec6c17fb715b76560bd400a9d8576b8f742.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":301110,"char_start":299451,"chunk_id":"chk_b1e14c05a482e987","chunk_index":172,"chunk_sha256":"1a7caa39dc13d8dbd371d82c7dd95ec6c17fb715b76560bd400a9d8576b8f742","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"1a7caa39dc13d8dbd371d82c7dd95ec6c17fb715b76560bd400a9d8576b8f742","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Uniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 114. XML Snippet of Required Parties to the Transaction.\n\n<NAME>\n\n<FirstName>Joe</FirstName>\n <LastName>Smith</LastName>\n\n</NAME>\n </INDIVIDUAL>\n <ROLES>\n <ROLE>\n\n<LICENSES>\n <LICENSE>\n\n<LICENSE_DETAIL>\n\n<LicenseIdentifier>123456</LicenseIdentifier>\n\n</LICENSE_DETAIL>\n\n</LICENSE>\n </LICENSES>\n <ROLE_DETAIL>\n\n<PartyRoleType>NotePayTo</PartyRoleType>\n\n</ROLE_DETAIL>\n\n</ROLE>\n </ROLES>\n\n</PARTY>\n\n<!-- Organization for NotePayTo -->\n\n<PARTY>\n\n<LEGAL_ENTITY>\n\n<LEGAL_ENTITY_DETAIL>\n\n<FullName>Ficus Bank</FullName>\n\n</LEGAL_ENTITY_DETAIL>\n\n</LEGAL_ENTITY>\n <ADDRESSES>\n <ADDRESS>\n\n<AddressLineText>4321 Random Blvd.</AddressLineText>\n <AddressType>Mailing</AddressType>\n <AddressUnitIdentifier>Ste. 560</AddressUnitIdentifier>\n <CityName>Somecity</CityName>\n <PostalCode>12345</PostalCode>\n <StateCode>ST</StateCode>\n\n</ADDRESS>\n </ADDRESSES>\n <ROLES>\n <ROLE>\n\n<LICENSES>\n <LICENSE>\n\n<LICENSE_DETAIL>\n\n<LicenseIdentifier>111111</LicenseIdentifier>\n\n</LICENSE_DETAIL>\n\n</LICENSE>\n\nUCD v2.0 Implementation Guide\n\n- 138 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 114. XML Snippet of Required Parties to the Transaction.\n\n</LICENSES>\n <ROLE_DETAIL>\n\n<PartyRoleType>NotePayTo</PartyRoleType>\n\n</ROLE_DETAIL>\n\n</ROLE>\n </ROLES>\n\n</PARTY>\n\n<!-- Individual contact for ClosingAgent -->\n\n<PARTY>\n\n<INDIVIDUAL>\n\n<CONTACT_POINTS>\n <CONTACT_POINT>\n\n<CONTACT_POINT_EMAIL>\n\n<ContactPointEmailValue>sarah@epsilontitle.com</ContactPointEmailValue>\n\n</CONTACT_POINT_EMAIL>\n\n</CONTACT_POINT>\n <CONTACT_POINT>\n\n<CONTACT_POINT_TELEPHONE>\n"}
diff --git a/chunks/json/1a862aee0689a4ff9d238b59392776637a663ea1e0545bd212f8601a6ca847c2.json b/chunks/json/1a862aee0689a4ff9d238b59392776637a663ea1e0545bd212f8601a6ca847c2.json
new file mode 100644
index 0000000000000000000000000000000000000000..97e2475004b83f9424835ab5307ffd37752a68c7
--- /dev/null
+++ b/chunks/json/1a862aee0689a4ff9d238b59392776637a663ea1e0545bd212f8601a6ca847c2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":2118289,"char_start":0,"chunk_id":"chk_1bed529593361246","chunk_index":0,"chunk_sha256":"1a862aee0689a4ff9d238b59392776637a663ea1e0545bd212f8601a6ca847c2","date_utc":"2026-01-27T18:13:06+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_b02aef586a185c43","text_sha256":"1a862aee0689a4ff9d238b59392776637a663ea1e0545bd212f8601a6ca847c2","token_estimate":1000,"warnings":["source_path=Public_Use_Database___FHFA/links/2024_pudb_mf_ctf/2024_PUDB_MF_CTF/2024_pudb_mf_ctf_fnma.csv","exceeds_max_chunk_chars_truncated"]},"text":"enterprise: 1 | record_num_mf_ctf: 10000001 | state_fips: 06 | cbsa_metro_code: 41740 | county_fips: 073 | tract_2020: 015706 | tract_minority_pct: 51.96 | tract_income_med: 34307 | ami_local: 111734 | tract_income_ratio: 0.3070 | ami_hud: 119500 | upb_acq: 27735000 | purpose_ctf: 7 | seller_type_mf_ctf: 1 | fed_guarantee_ctf: 1 | lien_status: 1 | ltv: 53.80 | same_year_acq: 1 | term_orig: 60 | units_num_cat: 5 | rate_orig: 5.830 | upb_orig: 27735000 | property_value: 51565000 | term_prepay_penalty: 57 | balloon: 1 | io: 1 | neg_am: 9 | non_amort_other: 9 | afford_units_pct: 60 | construct_method: 1 | tract_rural: 0 | county_lower_ms_delta: 0 | county_mid_appalachia: 0 | county_persistent_poverty: 0 | area_concentrated_poverty: 1 | area_high_opp: 0 | tract_colonias: 0\nenterprise: 1 | record_num_mf_ctf: 10000002 | state_fips: 36 | cbsa_metro_code: 10580 | county_fips: 093 | tract_2020: 033500 | tract_minority_pct: 26.48 | tract_income_med: 97679 | ami_local: 109385 | tract_income_ratio: 0.8930 | ami_hud: 117800 | upb_acq: 645000 | purpose_ctf: 7 | seller_type_mf_ctf: 1 | fed_guarantee_ctf: 1 | lien_status: 1 | ltv: 70.40 | same_year_acq: 1 | term_orig: 120 | units_num_cat: 1 | rate_orig: 5.700 | upb_orig: 6905000 | property_value: 925000 | term_prepay_penalty: 117 | balloon: 1 | io: 1 | neg_am: 9 | non_amort_other: 9 | afford_units_pct: 0 | construct_method: 1 | tract_rural: 0 | county_lower_ms_delta: 0 | county_mid_appalachia: 0 | county_persistent_poverty: 0 | area_concentrated_poverty: 0 | area_high_opp: 0 | tract_colonias: 0\nenterprise: 1 | record_num_mf_ctf: 10000003 | state_fips: 28 | cbsa_metro_code: 99999 | county_fips: 087 | tract_2020: 000600 | tract_minority_pct: 81.47 | tract_income_med: 20208 | ami_local: 75009 | tract_income_ratio: 0.2694 | ami_hud: 79600 | upb_acq: 2415000 | purpose_ctf: 1 | seller_type_mf_ctf: 5 | fed_guarantee_ctf: 1 | lien_status: 1 | ltv: 80.00 | same_year_acq: 1 | term_orig: 60 | units_num_cat: 3 | rate_orig: 6.140 | upb_orig: 2415000 | property_value: 3015000 | term_prepay_penalty: 57 | balloon: 1 | io: 9 | neg_am: 9 | non_amort_other: 9 | afford_units_pct: 100 | construct_method: 1 | tract_rural: 1 | county_lower_ms_delta: 0 | county_mid_appalachia: 0 | county_persistent_poverty: 1 | area_concentrated_poverty: 1 | area_high_opp: 0 | tract_colonias: 0\nenterprise: 1 | record_num_mf_ctf: 10000004 | state_fips: 18 | cbsa_metro_code: 23060 | county_fips: 003 | tract_2020: 011608 | tract_minority_pct: 26.14 | tract_income_med: 122100 | ami_local: 83564 | tract_income_ratio: 1.4612 | ami_hud: 88000 | upb_acq: 1995000 | purpose_ctf: 9 | seller_type_mf_ctf: 1 | fed_guarantee_ctf: 1 | lien_status: 2 | ltv: 66.70 | same_year_acq: 1 | term_orig: 65 | units_num_cat: 3 | rate_orig: 7.780 | upb_orig: 1995000 | property_value: 20355000 | term_prepay_penalty: 62 | balloon: 1 | io: 9 | neg_am: 9 | non_amort_other: 9 | afford_units_pct: 0 | construct_method: 1 | tract_rural: 0 | county_lower_ms_delta: 0 | county_mid_appalachia: 0 | county_persistent_poverty: 0 | area_concentrated_poverty: 0 | area_high_opp: 0 | tract_colonias: 0\nenterprise: 1 | record_num_mf_ctf: 10000005 | state_fips: 13 | cbsa_metro_code: 99999 | county_fips: 137 | tract_2020: 000604 | tract_minority_pct: 61.39 | tract_income_med: 46755 | ami_local: 74176 | tract_income_ratio: 0.6303 | ami_hud: 78800 | upb_acq: 4195000 | purpose_ctf: 1 | seller_type_mf_ctf: 1 | fed_guarantee_ctf: 1 | lien_status: 1 | ltv: 78.00 | same_year_acq: 1 | term_orig: 84 | units_num_cat: 2 | rate_orig: 6.190 | upb_orig: 4195000 | property_value: 5375000 | term_prepay_penalty: 81 | balloon: 1 | io: 1 | neg_am: 9 | non_amort_other: 9 | afford_units_pct: 0 | construct_method: 1 | tract_rural: 1 | county_lower_ms_delta: 0 | county_mid_appalachia: 0 | county_persistent_poverty: 0 | area_concentrated_poverty: 0 | area_high_opp: 0 | tract_colonias: 0\nenterprise: 1 | record_num_mf_ctf: 10000006 | state_fips: 51 | cbsa_metro_code: 40060 | county_fips: 087 | tract_2020: 2001\n"}
diff --git a/chunks/json/1a9107a38016394ce4d019473ce9255a628dd1eb6b73198cd0af2aafec853b5d.json b/chunks/json/1a9107a38016394ce4d019473ce9255a628dd1eb6b73198cd0af2aafec853b5d.json
new file mode 100644
index 0000000000000000000000000000000000000000..5b2d8dd72db0593e661d85f1e8853bed2e9aae80
--- /dev/null
+++ b/chunks/json/1a9107a38016394ce4d019473ce9255a628dd1eb6b73198cd0af2aafec853b5d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":270541,"char_start":267468,"chunk_id":"chk_7f7fccb5a8803db2","chunk_index":157,"chunk_sha256":"1a9107a38016394ce4d019473ce9255a628dd1eb6b73198cd0af2aafec853b5d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1a9107a38016394ce4d019473ce9255a628dd1eb6b73198cd0af2aafec853b5d","token_estimate":769,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Heating/Cooling\n\nSale Price\nAdjustment\nDescription\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\nHeating/Cooling\nAdjustment\n\nSale Price\nAdjustment Amount\n\nThe dollar amount of the adjustment\napplied to the sale price for the\nproperty feature identified by Sale\nPrice Adjustment Type.\n\nEnergy Efficient Items\n\nSale Price\nAdjustment\nDescription\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\nEnergy Efficient Items\nAdjustment\n\nSale Price\nAdjustment Amount\n\nThe dollar amount of the adjustment\napplied to the sale price for the\nproperty feature identified by Sale\nPrice Adjustment Type.\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\n351\n\n2\n\n91\n\nSALES\nCOMPARISON\nAPPROACH\n\nGarage/Carport\n\nSale Price\nAdjustment\nDescription\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/COMPARISON_DETAIL_EXTENSION/CO\nMPARISON_DETAIL_EXTENSION_SECTIO\nN[@ExtensionSectionOrganizationName='UNIF\nORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTE\nNSION_SECTION_DATA/COMPARISON_D\nETAIL/@GSEBelowGradeBathroomRoomCoun\nt\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/COMPARISON_DETAIL_EXTENSION/CO\nMPARISON_DETAIL_EXTENSION_SECTIO\nN[@ExtensionSectionOrganizationName='UNIF\nORM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTE\nNSION_SECTION_DATA/COMPARISON_D\nETAIL/@GSEBelowGradeOtherRoomCount\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Bas\nementFinish']/@_Amount\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Fun\nctionalUtility']/@_Description\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Fun\nctionalUtility']/@_Amount\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Hea\ntingCooling']/@_Description\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Hea\ntingCooling']/@_Amount\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Ene\nrgyEfficient']/@_Description\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Ene\nrgyEfficient']/@_Amount\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='1..N'\n]/SALE_PRICE_ADJUSTMENT[@_Type='Car\nStorage']/@_Description\n"}
diff --git a/chunks/json/1abbacf9de9bb573da40b90863f66ee84e96d8c056ce7cb960bbbe078d963a81.json b/chunks/json/1abbacf9de9bb573da40b90863f66ee84e96d8c056ce7cb960bbbe078d963a81.json
new file mode 100644
index 0000000000000000000000000000000000000000..c7cd90c9d4f0801256e39e8c1cb286d73e8f1e3f
--- /dev/null
+++ b/chunks/json/1abbacf9de9bb573da40b90863f66ee84e96d8c056ce7cb960bbbe078d963a81.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":21128,"char_start":19480,"chunk_id":"chk_cf11e862c8b429aa","chunk_index":8,"chunk_sha256":"1abbacf9de9bb573da40b90863f66ee84e96d8c056ce7cb960bbbe078d963a81","date_utc":"2026-01-27T17:46:10+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2b6a9e94e3fa6d9e","text_sha256":"1abbacf9de9bb573da40b90863f66ee84e96d8c056ce7cb960bbbe078d963a81","token_estimate":410,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.md/Uniform_Appraisal_Dataset___Freddie_Mac_Single_Fam_r5x1k.md"]},"text":"This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version.](/docs/zip/requirements/appendix-d-1-urar-sample-scenarios-and-xml-files.zip)\n\n[### Appendix E: Report Style Guide\n\nThis zip file contains the Report Style Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted.](/docs/zip/requirements/appendix-e-report-style-guide.zip)\n\n[### Appendix F-1: URAR Reference Guide\n\nThis zip file contains the URAR Reference Guide and its supplement. The Reference Guide provides guidance on how to enter information and how the data will be displayed in the URAR. The supplement summarizes information about the comparable grids.](/docs/zip/requirements/appendix-f-1-urar-reference-guide.zip)\n\n[### Appendix G-1: Redesign to Legacy UAD Cross-reference Guide\n\nThis document contains the data points, enumerations and xPaths of the redesigned UAD mapped to existing data elements in the Legacy UAD dataset.](/docs/xls/requirements/appendix-g-1-redesign-to-legacy-uad-cross-reference-guide.xlsx)\n\n[### Appendix H-1: UAD Compliance Rules - URAR\n\nThis document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Delivery Specification. These rules verify data completeness, validity (format and data type), and reasonableness.](/docs/xlsx/appendix-h-1-uad-compliance-rules-urar.xlsx)\n"}
diff --git a/chunks/json/1ac00c07ebf59d98da7bf2e625558fd5b20a089790ae70272da2b054680d8d3b.json b/chunks/json/1ac00c07ebf59d98da7bf2e625558fd5b20a089790ae70272da2b054680d8d3b.json
new file mode 100644
index 0000000000000000000000000000000000000000..c2c63391a5cb37512d63235bf3ae1c843d5d88aa
--- /dev/null
+++ b/chunks/json/1ac00c07ebf59d98da7bf2e625558fd5b20a089790ae70272da2b054680d8d3b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":384323,"char_start":382428,"chunk_id":"chk_7c00c47f78af54a8","chunk_index":227,"chunk_sha256":"1ac00c07ebf59d98da7bf2e625558fd5b20a089790ae70272da2b054680d8d3b","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"1ac00c07ebf59d98da7bf2e625558fd5b20a089790ae70272da2b054680d8d3b","token_estimate":474,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Assigned (parking spaces are assigned but not owned and deeded to a\nspecific unit)\nOwned (parking spaces are owned and deeded to a specific unit)\nUnassigned (parking spaces are designated to project occupants on a first-\ncome, first-served basis)\n\n•\n•\n\nChoose an\nallowable answer\nfrom table\n(Vehicle Storage\nAttachment Type)\n\nVehicle Storage Attachment Type: The way in which the indicated vehicle\nstorage is attached to the dwelling.\n•\n•\n•\n\nAttached\nBuilt-in (including below grade garages)\nDetached\n\nAppendix F-1: URAR Reference Guide\n\nPage 162 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n13 Vehicle Storage\n\nVehicle Storage – Information for each Vehicle Storage Type\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n13.003 Detail\n\n13.003 Detail\n\nRequired if Vehicle\nStorage Type is\nCarport or Garage\n\nRequired if Vehicle\nStorage Type is\nDriveway or Shared\nDriveway\n\nAllowable\nAnswers / Format\n\nNumber of square\nfeet\n\nDefinition / Additional Guidance\n\nVehicle Storage Area\nNotes:\n•\n•\n\nHalf spaces are accounted for here.\nFor detached garages that include other uses (ADUs or additional areas),\nonly report area that is specific to the vehicle storage.\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDriveway Surface Material: The predominant driveway surface material.\n•\n•\n•\n•\n•\n•\n•\n\nAsphalt\nBrick\nConcrete\nCobblestone\nDirt\nGravel\nOther (Describe)\n\nAllowable Answer\n\nAttached\n\nVehicle Storage Attachment Type\n\nDefinition / Additional Guidance\n\nBuilt-in\n\nDetached\n\nApparent Defects, Damages, Deficiencies (Vehicle Storage)\n\nThe appraiser must report any significant items pertaining to vehicle storage, and must associate any defect,\ndamage, or deficiency with the most appropriate section. These defects, damages, and deficiencies are items\nthat:\n• Rise to the level of recommending repair, replacement, or inspection by an individual with expertise in the\n"}
diff --git a/chunks/json/1acb85731931098fe728266b69d4ae62afce85cf42134b65a53b85cd87113929.json b/chunks/json/1acb85731931098fe728266b69d4ae62afce85cf42134b65a53b85cd87113929.json
new file mode 100644
index 0000000000000000000000000000000000000000..f4c32a5055b842afaaa2b762e1213f13c3cf991d
--- /dev/null
+++ b/chunks/json/1acb85731931098fe728266b69d4ae62afce85cf42134b65a53b85cd87113929.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":765803,"char_start":764184,"chunk_id":"chk_b68e28e0c43db82e","chunk_index":456,"chunk_sha256":"1acb85731931098fe728266b69d4ae62afce85cf42134b65a53b85cd87113929","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"1acb85731931098fe728266b69d4ae62afce85cf42134b65a53b85cd87113929","token_estimate":405,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Report Field ID\n\nThe red number identifying the specific location of the field on the URAR.\n\nAppendix F-1: URAR Reference Guide\n\nPage 346 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 1: Glossary\n\nTerm\n\nReport Label\n\nStructure\n\nThe name of the field as shown on the URAR.\n\nDefinition\n\nA building with a foundation, walls, and a roof, designed to protect from the weather, which can be a dwelling or an\noutbuilding.\n\nThree-Dimensional Scan\n\nA technology used to photograph and measure the area of a unit.\n\nThree-Dimensional Technology\n(3D Technology)\n\nUniform Residential Appraisal\nReport (URAR)\n\nUniform Standards of\nProfessional Appraisal\nPractice (USPAP)\n\nWear and Tear\n\nA process that uses three-dimensional printing technologies as a core method in the fabrication of a structure.\n\nA dynamic appraisal report that addresses all residential 1- to 4-unit property types.\n\nThe generally recognized ethical and performance standards for the appraisal profession in the United States. USPAP\nwas adopted by Congress in 1989, and contains standards for all types of appraisal services, including real estate,\npersonal property, business and mass appraisal. Compliance is required for state-licensed and state-certified\nappraisers involved in federally related real estate transactions.\n\nDeterioration or reduction in condition that results from ordinary use, exposure to natural elements over an extended\nperiod of time, or aging (e.g., worn carpet, scratches or scuffs on floors or walls, fading paint or finishes).\n\nAppendix F-1: URAR Reference Guide\n\nPage 347 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n"}
diff --git a/chunks/json/1ad4926539033522b35cfeb79b2f9e17e24713036726e4a0e747e485174a10e9.json b/chunks/json/1ad4926539033522b35cfeb79b2f9e17e24713036726e4a0e747e485174a10e9.json
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index 0000000000000000000000000000000000000000..531ee53db2a72e0fe8579925232857da473fa666
--- /dev/null
+++ b/chunks/json/1ad4926539033522b35cfeb79b2f9e17e24713036726e4a0e747e485174a10e9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1734,"char_start":0,"chunk_id":"chk_07390d9927cc1df9","chunk_index":0,"chunk_sha256":"1ad4926539033522b35cfeb79b2f9e17e24713036726e4a0e747e485174a10e9","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e1ff914957902b96","text_sha256":"1ad4926539033522b35cfeb79b2f9e17e24713036726e4a0e747e485174a10e9","token_estimate":434,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/cu-v-54-release-notes-april-19-2022.pdf"]},"text":"Collateral Underwriter® Version 5.4 Release Notes\n\nOn June 24, 2022, Fannie Mae will implement Collateral Underwriter® (CU®) Version 5.4. During the updates, CU will be\nunavailable from 9 p.m. ET on Friday, June 24 until 1 a.m. ET on Saturday, June 25.\n\nApril 20, 2022\n\nThe following changes will be included in the release.\n\nCU Message Enhancements\n\nUndervaluation messages – A new undervaluation risk flag along with 16 new undervaluation risk reason codes will be\nintroduced to complement the existing overvaluation risk flag and reason codes. Similar to the function of the overvaluation risk\nmessage suite, when an undervaluation risk flag is displayed in CU, the single most relevant reason code will be displayed. These\nmessages will also be disseminated to downstream systems including Desktop Underwriter and will display in the Uniform\nCollateral Data Portal Submission Summary Report.\n\nMisvaluation Flags and Messages\n\nOvervaluation\nRisk Message\nID\n\nRisk Flag\n\n1004\n\nReason Codes\n\n1011\n\n1025\n\nOvervaluation Risk Message Text\n\nNew\nUndervaluation\nRisk Message\nID\n\nNew Undervaluation Risk Message Text\n\nThere is a heightened risk of\novervaluation.\n\n1010\n\nThere is a heightened risk of undervaluation.\n\nCU indicates that the heightened\novervaluation risk may be the\nresult of the appraiser's weighting\nof the adjusted sale prices of the\ncomparables. Ensure that the\nappraiser appropriately weighted\nthe adjusted sale prices of the\ncomparables.\n\nCU has identified comparable\nsales that may be more similar in\nfeatures & geographical location\nthan those relied on by the\nappraiser. Ensure that the\nappraiser has relied on\ncomparables with similar\nproperty features & geographical\nlocation. See the CU Comparables\ntab for details.\n"}
diff --git a/chunks/json/1adb9149958fe2831872e45b08dc458591fd563ffc17de7de7a67759a71b2d33.json b/chunks/json/1adb9149958fe2831872e45b08dc458591fd563ffc17de7de7a67759a71b2d33.json
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index 0000000000000000000000000000000000000000..775b7716f137c16f983a1df70fefd70752276ab1
--- /dev/null
+++ b/chunks/json/1adb9149958fe2831872e45b08dc458591fd563ffc17de7de7a67759a71b2d33.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":201952,"char_start":199735,"chunk_id":"chk_64d680c68e53f07e","chunk_index":113,"chunk_sha256":"1adb9149958fe2831872e45b08dc458591fd563ffc17de7de7a67759a71b2d33","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"1adb9149958fe2831872e45b08dc458591fd563ffc17de7de7a67759a71b2d33","token_estimate":555,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"The table below provides the requirements when appraising unique properties.\n\nIf…\n\nThen…\n\nthe appraiser cannot locate recent comparable sales of the\nsame design that appeal to the same market participants, but\ncan determine market supported adjustments for the\ndifferences between the comparables and the subject\nproperty, and demonstrate the marketability of the property\nbased on older comparable sales, comparable sales in\ncompeting market areas, the existence of similar properties in\nthe market area, and any other reliable market data,\n\nthe appraiser is not able to find any evidence of market\nacceptance, and the characteristics of the property are so\nsignificantly different that they cannot establish a reliable\nopinion of market value,\n\nthe property is acceptable as security in a sale of the loan to\nFannie Mae.\n\nthe property is not acceptable as security in a sale of the loan\nto Fannie Mae.\n\nFannie Mae does not specify minimum square footage or finished area requirements for properties with the exception of\nmanufactured housing (see SB4-1.4-01, Factory-Built Housing: Manufactured Housing). There should be comparables of similar\nsize to the subject property to support the general acceptability of a particular property type.\n\nActual and Effective Ages\n\nFannie Mae does not place a restriction on the actual age of the dwelling. Older dwellings that meet Fannie Mae’s general\nrequirements are acceptable. Improvements for all properties must be of the quality and condition that will be acceptable to\ntypical purchasers in the subject market area.\n\nThe relationship between the actual and effective ages of the property is a good indication of its condition. A property that has\nbeen well-maintained generally will have an effective age somewhat lower than its actual age. On the other hand, a property that\nhas an effective age higher than its actual age probably has not been well-maintained or may have a particular physical problem.\nIn such cases, the lender should pay particular attention to the condition of the subject property in its review of any appraisal\nreport. When the appraiser makes market supported adjustments for the “Year Built,” they must explain the adjustments that\nwere made.\n"}
diff --git a/chunks/json/1ae096dec20b58ec83ad1c7c03678963bbc7019f21409b37b35affc8c83fabe0.json b/chunks/json/1ae096dec20b58ec83ad1c7c03678963bbc7019f21409b37b35affc8c83fabe0.json
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index 0000000000000000000000000000000000000000..e4c3c76b93faf4db008a0b80c17fd9dcdc175692
--- /dev/null
+++ b/chunks/json/1ae096dec20b58ec83ad1c7c03678963bbc7019f21409b37b35affc8c83fabe0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":13632,"char_start":11640,"chunk_id":"chk_3d520425ac51c20e","chunk_index":7,"chunk_sha256":"1ae096dec20b58ec83ad1c7c03678963bbc7019f21409b37b35affc8c83fabe0","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8d14ca1837b76af4","text_sha256":"1ae096dec20b58ec83ad1c7c03678963bbc7019f21409b37b35affc8c83fabe0","token_estimate":498,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Coop1_Appraisal/_.pdf/Coop1_Appraisal_v1.3.pdf"]},"text":"None\n\nVehicle Storage Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSubject Property Amenities\n\nAmenity Category\nOutdoor Living\n\nSubject Property Amenity\nBalcony\n\nMaterial\nConcrete\n\nDetail\n120 Sq. Ft.\n\nApparent Defects, Damages, Deficiencies (Subject Property Amenities)\n\nNone\n\nSubject Property Amenities Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nAppraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 8 of 18\nPage 8 of 18\n\nSubject Property Amenities (continued)\n\nSubject Property Amenities Exhibits\n\nBalcony\n\nOverall Quality and Condition\n\nOverall Quality\nInterior Quality\n\nQ3\nQ3\n\nOverall Condition\nInterior Condition\n\nC3\nC3\n\nReconciliation of Overall Quality and Condition\n\nThe subject unit has received recent, extensive updating throughout, which translates to Q3 and C3.\n\nHighest and Best Use\n\nIs the present use of the subject property …\n\nLegally Permissible\nPhysically Possible\n\nYes\nYes\n\nFinancially Feasible\nMaximally Productive\n\nYes\nYes\n\nYes No\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  \n\nHighest and Best Use Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nMarket\n\nMarket Area Boundary Hall Street NW to the North; Bunker Hill Drive NW to the South; Potomac River to the West; Grant St. NW to the East\n\nSearch Criteria Description The search criteria that the appraiser used to limit their search included a structure design focused on High Rises\nand an Ownership structure of Cooperative. Additional limiting factors included between 1 and 2 Full Bathrooms, 1-2 Bedrooms, a Finished\nArea Above Grade between 1000 and 1400 Sq. Ft., 1-2 Parking Spaces. Additionally, the building would ideally be constructed between 1960\nand 1975, with a closing date between 08/28/2018 and 08/28/2019.\n"}
diff --git a/chunks/json/1ae26f2424894356ee0f393db29d3c8d024c11ae554c9bd472c1dbc07a0076b7.json b/chunks/json/1ae26f2424894356ee0f393db29d3c8d024c11ae554c9bd472c1dbc07a0076b7.json
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index 0000000000000000000000000000000000000000..155f952b4cdf2e9b9616fb278cf84b1c0613a364
--- /dev/null
+++ b/chunks/json/1ae26f2424894356ee0f393db29d3c8d024c11ae554c9bd472c1dbc07a0076b7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":32752,"char_start":32670,"chunk_id":"chk_f2b5f11b3d768621","chunk_index":18,"chunk_sha256":"1ae26f2424894356ee0f393db29d3c8d024c11ae554c9bd472c1dbc07a0076b7","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5c0b0ee89f21d117","text_sha256":"1ae26f2424894356ee0f393db29d3c8d024c11ae554c9bd472c1dbc07a0076b7","token_estimate":20,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004_70.pdf","below_target_min_tokens"]},"text":"Freddie Mac Form 70 March 2005 226\n\nPage 6 of 6\n\nFannie Mae Form 1004 March 2005\n"}
diff --git a/chunks/json/1aef2aa56a7104019c2d46feeed7e32ce45b4864adb7fd9a09f09b72cca3a05c.json b/chunks/json/1aef2aa56a7104019c2d46feeed7e32ce45b4864adb7fd9a09f09b72cca3a05c.json
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index 0000000000000000000000000000000000000000..3c1c56a24698e190f1eb870416b85099178bc262
--- /dev/null
+++ b/chunks/json/1aef2aa56a7104019c2d46feeed7e32ce45b4864adb7fd9a09f09b72cca3a05c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11697,"char_start":10047,"chunk_id":"chk_f0b94de59525b7d4","chunk_index":6,"chunk_sha256":"1aef2aa56a7104019c2d46feeed7e32ce45b4864adb7fd9a09f09b72cca3a05c","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_36c8be6afea9bfe2","text_sha256":"1aef2aa56a7104019c2d46feeed7e32ce45b4864adb7fd9a09f09b72cca3a05c","token_estimate":412,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ssr-guide-uad-36.pdf"]},"text":"Appraisal [1,2,3] – Appraisal Report (URAR)\n\nDocument Level Results\n\nUpdate or Completion Report\n\nDocument Level Results\n\nUpdate or Completion Report\n\nDocument Level Results\n\nDocument Level Results - URAR\n\nFannie 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\nDocument Level Results - URAR\n\nFreddie Mac\n\nRisk Scores and Representation and Warranty Eligibility\n\nThe Document Level Results include critical data elements that enhance transparency and support decision-making. This\nincludes:\n\n• Fannie Mae Collateral Underwriter CU Risk Score and Rep & Warrant relief eligibility for URAR submissions to\n\nFannie Mae.\n\n• Freddie Mac Loan Collateral Advisor LCA Risk Score and Collateral Rep & Warranty relief indicator for URAR\n\nsubmissions to Freddie Mac.\n\nAs with any part of the loan evaluation process, these indicators provide an early view from a collateral viewpoint and are\npending an assessment of the loan.\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\nCollateral Underwriter (CU) Risk Score and Rep & Warrant relief eligibility in URAR\n\nFannie Mae\n\nLoan Collateral Advisor (LCA) Risk Score and Collateral Rep & Warranty relief indicator in URAR\n\nFreddie Mac\n\n© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.\n"}
diff --git a/chunks/json/1af3d617f44af9dd9bde7cb68ba2d16ca8c3cc7c4bf32d671284469a6129a4d8.json b/chunks/json/1af3d617f44af9dd9bde7cb68ba2d16ca8c3cc7c4bf32d671284469a6129a4d8.json
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index 0000000000000000000000000000000000000000..391745abf514669b3ed39690dfaa6172c133aebf
--- /dev/null
+++ b/chunks/json/1af3d617f44af9dd9bde7cb68ba2d16ca8c3cc7c4bf32d671284469a6129a4d8.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8778,"char_start":7097,"chunk_id":"chk_7bbc62e361b8331b","chunk_index":4,"chunk_sha256":"1af3d617f44af9dd9bde7cb68ba2d16ca8c3cc7c4bf32d671284469a6129a4d8","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2669302acf0b4029","text_sha256":"1af3d617f44af9dd9bde7cb68ba2d16ca8c3cc7c4bf32d671284469a6129a4d8","token_estimate":419,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Federal_Home_Loan_Bank_System___FHFA_rv5zt.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n# Federal Home Loan Bank System\n\nFHFA is responsible for ensuring that the Federal Home Loan Banks operate in a financially safe and sound fashion, remain adequately capitalized and able to raise funds in the capital markets, and operate in a manner consistent with their housing finance mission.\n\nTo carry out these statutory duties, FHFA has implemented a program of FHLBank supervision to conduct on-site annual examinations and off-site monitoring of the FHLBanks and the Office of Finance.\n"}
diff --git a/chunks/json/1b102a6f8a6805ebf8d27abfe72cf979770263920cc5344deb0de43658997680.json b/chunks/json/1b102a6f8a6805ebf8d27abfe72cf979770263920cc5344deb0de43658997680.json
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index 0000000000000000000000000000000000000000..87307dda5cb46c0436628edfa5fa6fa91ba17eae
--- /dev/null
+++ b/chunks/json/1b102a6f8a6805ebf8d27abfe72cf979770263920cc5344deb0de43658997680.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10204,"char_start":8535,"chunk_id":"chk_c8485ca8d748fe2f","chunk_index":5,"chunk_sha256":"1b102a6f8a6805ebf8d27abfe72cf979770263920cc5344deb0de43658997680","date_utc":"2026-01-27T17:48:04+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_46caa6c58c5a5fc7","text_sha256":"1b102a6f8a6805ebf8d27abfe72cf979770263920cc5344deb0de43658997680","token_estimate":417,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Financial_Technology__FinTech____FHFA_i7510m.md"]},"text":"## Introduction: Fintech in Housing Finance and FHFA\n\nFHFA’s Office of Financial Technology (Fintech) supports the Agency’s efforts to understand technology-driven developments in housing finance and the associated risks, and to facilitate the development of responsible innovation in FHFA’s regulated entities, which include Fannie Mae and Freddie Mac (the Enterprises) and the Federal Home Loan Bank System. The Fintech Office serves as a centralized information clearinghouse and resource for the Agency on mortgage-related innovations, general trends, and emerging risks in the use of fintech.\n\nFHFA views fintech as the application of new technologies to the production or provision of financial products and services. Fintech in the mortgage finance space can include, among other things, the application of new technologies and digital processes to:\n\n> **​mortgage tec​h**​​\n\nmortgage origination, underwriting, servicing, investment, and other associated business activities, also known as “mortgage tech”;\n\n---\n\n**proptech**\n\nresearching, transacting, and managing real estate, also known as “proptech”; and\n\n---\n\n**regtech**\n\n​regulation and compliance, also known as “regtech”.\n\nThe Fintech Office engages internally through the FHFA Fintech Working Group, consisting of Agency leadership and experts across divisions and offices. The Fintech Office engages in external outreach with market participants, including industry firms, non-profits, trade associations, consumer advocacy organizations and academia to support responsible innovation in mortgage finance and an ongoing dialogue on opportunities and barriers to innovation in the mortgage ecosystem.\n"}
diff --git a/chunks/json/1b10543f07533ff914417ecc751a62837a2bca3a50dfb3416b69d8424aa9f940.json b/chunks/json/1b10543f07533ff914417ecc751a62837a2bca3a50dfb3416b69d8424aa9f940.json
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index 0000000000000000000000000000000000000000..3f91af53a3552d5c0b5be888ab3418b2e14dae4a
--- /dev/null
+++ b/chunks/json/1b10543f07533ff914417ecc751a62837a2bca3a50dfb3416b69d8424aa9f940.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":19587,"char_start":17955,"chunk_id":"chk_e009b0f7f4f8b85c","chunk_index":11,"chunk_sha256":"1b10543f07533ff914417ecc751a62837a2bca3a50dfb3416b69d8424aa9f940","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"1b10543f07533ff914417ecc751a62837a2bca3a50dfb3416b69d8424aa9f940","token_estimate":408,"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":"This is where the Porch photo would display.\n\nOverall Quality and Condition\n\nOverall Quality\n\nExterior Quality\nInterior Quality\n\nQ3\nQ3\nQ3\n\nOverall Condition\n\nExterior Condition\nInterior Condition\n\nC1\nC1\nC1\n\nReconciliation of Overall Quality and Condition\n\nThe subject is new construction that is less than 12 months old, never lived in, and meets the C1 rating definition. The subject was built with\nmaterials that align with a Q3 rating. Though the subject is not custom it was built with materials to withstand the elements and have lower\noverall maintenance.\n\nAppraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 11 of 24\nPage 11 of 24\n\nHighest and Best Use\n\nIs the present use of the subject property …\n\nLegally Permissible\nPhysically Possible\n\nYes\nYes\n\nFinancially Feasible\nMaximally Productive\n\nYes\nYes\n\nYes No\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  \n\nHighest and Best Use Commentary\n\nThe subject is a legally permissible use based on its current zoning. Also, the lot size, shape, and land-to-building ratio allow the present\nstructure and indicate a good utilization of the improvements.\n\nMarket\n\nMarket Area Boundary Pioneer Drive to the North, Bailey Road to the East, Military Road to the South, Radio Drive to the West.\n\nSearch Criteria Description Search limited to site condominium housing with a footprint between 1,300-1,800 Sq. Ft. Additional limiting\nfactors include 2-4 bedrooms, 2-4 bathrooms, and a basement.\n"}
diff --git a/chunks/json/1b177fa76da522160780f4dc90190ab856e29f95094f0923ee09aadadf705bfe.json b/chunks/json/1b177fa76da522160780f4dc90190ab856e29f95094f0923ee09aadadf705bfe.json
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index 0000000000000000000000000000000000000000..86351ed7125f6bfbfa11c094984379aa9facc132
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+++ b/chunks/json/1b177fa76da522160780f4dc90190ab856e29f95094f0923ee09aadadf705bfe.json
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+{"chunk":{"char_end":272505,"char_start":270835,"chunk_id":"chk_1ca12756e77e3e61","chunk_index":160,"chunk_sha256":"1b177fa76da522160780f4dc90190ab856e29f95094f0923ee09aadadf705bfe","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"1b177fa76da522160780f4dc90190ab856e29f95094f0923ee09aadadf705bfe","token_estimate":418,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"The items listed below represent the As Is condition as of the effective date of\nthis report\n\nAppendix F-1: URAR Reference Guide\n\nPage 113 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n08 Dwelling Exterior\n\nInformation About Each Defect, Damage, or Deficiency\n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior)\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\n8.056\n\nFeature\n\nRequired for each\ndefect, damage, or\ndeficiency\n\n8.057\n\nLocation\n\n8.058\n\nDescription\n\n8.059\n\nAffects\nSoundness or\nStructural\nIntegrity\n\n8.060\n\nRecommended\nAction\n\nRequired for each\ndefect, damage, or\ndeficiency\n\nRequired for each\ndefect, damage, or\ndeficiency\n\nRequired for each\ndefect, damage, or\ndeficiency\n\nRequired for each\ndefect, damage, or\ndeficiency\n\nDwelling Exterior Commentary\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\n•\nExterior Walls and Trim\n•\nFoundation\n• Mechanical System\n•\nRoof\n• Windows\n•\nNote: Photos or images must be provided for each physical defect, damage, or\ndeficiency. These display in Dwelling Exterior Exhibits as “Apparent Defects,\nDamages, Deficiencies” with the indicated Feature. An additional caption may\nbe provided.\n\nOther (Describe)\n\nOther (Describe)\n\nFor the Dwelling Exterior section, choose Other and briefly describe the\nlocation of the defect, damage, or deficiency.\n\nFree-form\n\nDescription of the defect, damage, or deficiency.\n\nYes | No\n\nIndicates whether the defect, damage, or deficiency affects the soundness and\n/ or structural integrity of the improvement.\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n"}
diff --git a/chunks/json/1b2506f73d9489594ec897b03489e1eac65c5a51bb1c5b3f330c0b6b162086ab.json b/chunks/json/1b2506f73d9489594ec897b03489e1eac65c5a51bb1c5b3f330c0b6b162086ab.json
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+{"chunk":{"char_end":1189106,"char_start":1187798,"chunk_id":"chk_a3879a97f19ff791","chunk_index":706,"chunk_sha256":"1b2506f73d9489594ec897b03489e1eac65c5a51bb1c5b3f330c0b6b162086ab","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1b2506f73d9489594ec897b03489e1eac65c5a51bb1c5b3f330c0b6b162086ab","token_estimate":447,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"PDF Display Format:\nWhole dollars only.\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nPDF Display Format:\nWhole dollars only.\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nSpecify Above Grade Rooms Only\n\nPDF Display Format:\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nSpecify Above Grade Bedrooms Only\n\nPDF Display Format:\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nSpecify Above Grade Bathroom Only\n\nPDF Display Format:\nFull Bath Count.Half Bath Count\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\nThe sum of this field 2-71 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2-\n73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-88, 2-\n90, 2-92, 2-94, 2-96, 2-98, 2-100) must add up\nto Net Adjustment field 2-103.\n\nThe sum of this field 2-73 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2-\n71, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-88, 2-\n90, 2-92, 2-94, 2-96, 2-98, 2-100) must add up\nto Net Adjustment field 2-103.\nThe sum of this field 2-74 and fields (2-53, 2-\n55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2-\n71, 2-73, 2-78, 2-80, 2-82, 2-84, 2-86, 2-88, 2-\n90, 2-92, 2-94, 2-96, 2-98, 2-100) must add up\nto Net Adjustment field 2-103.\n"}
diff --git a/chunks/json/1b336f060d791a5986b107649f131b123a4d44e2f5ab6189093e1848bd2ae9af.json b/chunks/json/1b336f060d791a5986b107649f131b123a4d44e2f5ab6189093e1848bd2ae9af.json
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+{"chunk":{"char_end":536149,"char_start":534437,"chunk_id":"chk_0ef3f621511c3a94","chunk_index":318,"chunk_sha256":"1b336f060d791a5986b107649f131b123a4d44e2f5ab6189093e1848bd2ae9af","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"1b336f060d791a5986b107649f131b123a4d44e2f5ab6189093e1848bd2ae9af","token_estimate":428,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Site\n•\n\nRange of View\n4.040\n\nYes\n22.03.47\n\n•\n•\n•\n•\n\nFull\nPartial\nSeasonal\nOther (Describe)\n\nAppendix F-1: URAR Reference Guide\n\nPage 233 of 375\n\nVersion 1.3\n\nAny adjustments for View and / or Range of View are made in this row.\nAdditional context specific to the adjustment may be provided in\nReconciliation of Sales Comparison Approach (22.16.01).\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport\nField ID\n\n22.03.17\n22.03.48\n\nReport Label\n\nAdditional\ndata element\ndisplays as the\nReport Label\n22.03.16\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: Site\n\nIf relevant\n\nRequired when the\nrow is included in the\nsales comparison grid\n\nFree-form\n\nAdditional Row does not\npopulate from other\nsections; the appraiser\nmust enter information\nfor the subject property\n\nYes\n22.03.49\n\nAdditional Row\nThis row displays on the sales comparison grid when an additional data\nelement relevant to the Site subsection is needed that is not predefined.\n\nNote: Only put one data element in each row and add additional rows as\nneeded for other data elements.\n\nWater Frontage with Private Access\n\nThe Water Frontage with Private Access subsection displays when the subject or any comparable has private access rights to at least one body of\nwater. Private access is intended to mean that the access is either owned by the property or exclusively granted to the property through easement\nor right.\n\nThe appraiser must indicate whether each comparable has private access to each Body of Water Type that was indicated in the Site Influences row\nfor the comparable.\n"}
diff --git a/chunks/json/1b38bde9854bae036813320af4ceee6f9882b106d6d4c4d09fa25a4f9da65997.json b/chunks/json/1b38bde9854bae036813320af4ceee6f9882b106d6d4c4d09fa25a4f9da65997.json
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+{"chunk":{"char_end":312085,"char_start":310448,"chunk_id":"chk_10f7f63feaad2f34","chunk_index":264,"chunk_sha256":"1b38bde9854bae036813320af4ceee6f9882b106d6d4c4d09fa25a4f9da65997","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"1b38bde9854bae036813320af4ceee6f9882b106d6d4c4d09fa25a4f9da65997","token_estimate":409,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Report\nField ID\n\n17.011\n\n17.012\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nDisplay when MarketInventoryType (UID: 3000.0030, FID: Not on report) =\n\"TotalSales\" AND…\n\nSales in Past ___\nMonths\n\nSales in Past ___\nMonths\n\n3000.0009 MarketInventoryLookbackMonthsCount\n\nAlways displays\n\n3000.0026 MarketInventoryCount\n\nAlways displays\n−\n\nCan be delivered as 0 when SalesComparisonApproachIndicator = “false”\n\n17.013\n\nLowest Sale Price\n\n3000.0028 MarketInventoryLowestPriceAmount\n\n…AND MarketInventoryCount > 0\n\n17.014\n\nMedian Sale Price\n\n3000.0029 MarketInventoryMedianPriceAmount\n\n…AND MarketInventoryCount > 0\n\n17.015\n\nHighest Sale Price\n\n3000.0027 MarketInventoryHighestPriceAmount\n\n… AND MarketInventoryCount > 0\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 17 - 4\n\nPage 238\n\n▪ When Market Inventory Count is zero, the report labels Lowest Sale Price, Median Sales Price, and Highest Sale Price do not display.\n\n(Figure 17 - 5)\n\nFigure 17 - 5\n\nDistressed Market Competition, Graphs, and Price Trend Information\n\nReport\nField ID\n\n17.016\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nDistressed Market\nCompetition\n\n3000.0034 MarketTrendsForeclosureActivityIndicator Always displays\n\n17.017\n\nGraph\n\n1400.0638\n\nImageCategoryType\n\n17.018\n\nPrice Trend Source\n\n3000.0051\n\nDataSourceName\n\nDisplay if exists (Display a value once, even when a value is provided multiple\ntimes)\n\n(the display text for each type is listed in the Market Exhibits subsection)\n\nAlways displays\n\n− When multiple sources are provided, display as stacked.\n− An arcrole must be provided to link each DATA_SOURCE to MARKET_TREND\n"}
diff --git a/chunks/json/1b3cceb435397a84eeb1f4b2a4eb2516d03ac0c1f51754e0e8c10e4aa4f1fc0d.json b/chunks/json/1b3cceb435397a84eeb1f4b2a4eb2516d03ac0c1f51754e0e8c10e4aa4f1fc0d.json
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+++ b/chunks/json/1b3cceb435397a84eeb1f4b2a4eb2516d03ac0c1f51754e0e8c10e4aa4f1fc0d.json
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+{"chunk":{"char_end":17630,"char_start":16018,"chunk_id":"chk_5633870611ac0ece","chunk_index":10,"chunk_sha256":"1b3cceb435397a84eeb1f4b2a4eb2516d03ac0c1f51754e0e8c10e4aa4f1fc0d","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"1b3cceb435397a84eeb1f4b2a4eb2516d03ac0c1f51754e0e8c10e4aa4f1fc0d","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"2023-039 Updated requirements for Floor Number (10.018).\n\n10 Unit Interior\n\n2023-069 Clarified that commercial space in project buildings is addressed in Project Information.\n\n2023-063 Added example for Non-Residential Use and Live/Work Space in Unit (10.026-10.028)\n\n2023-037\n\nClarified that the rooms in the Kitchen and Bathroom Detail table (10.037) redisplay from the Level and Room Detail\ntable.\n\n2023-016 Corrected the ‘When to Include’ column for Time Frame (10.039).\n\n12 Outbuilding\n\n2023-037\n\nUpdated introduction to use the term “structure” instead of “improvement”, and corrected introduction to Mechanical\nSystem Details For Outbuilding Containing ADU(s).\n\nAppendix F-1: URAR Reference Guide\n\nPage 5 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nRevision History\n\nReference Guide\nChapter\n\nChange #\n\nVersion 1.1 (Published December 12, 2023)\n\nRevision Description\n\n12 Outbuilding\n(Continued)\n\n2023-017\n2023-059\n\nOutbuilding Type: Removed Detached Garage, added ADU/Garage, updated definition for Barn and Standalone ADU, and\nexpanded guidance for when Other is used. (12.001).\n\n2023-012\n\nIncluded static text above the table in the Apparent Defects, Damages, Deficiencies example.\n\n2023-063 Added example of a manufactured home that is not real property.\n\n2023-017 Updated introduction to clarify treatment of detached garages.\n\n13 Vehicle Storage\n\n2023-037 Corrected typo in allowable answers for Parking Space Assignment Type (13.002).\n\n2023-047 Added images to clarify definitions for Vehicle Storage Attachment Type (13.003). Removed Other as an allowable answer.\n\n14 Subject\nProperty\nAmenities\n"}
diff --git a/chunks/json/1b3fe19515a53619742b7d960095f303811e6f35e342d14dd9d050cc42cc66f2.json b/chunks/json/1b3fe19515a53619742b7d960095f303811e6f35e342d14dd9d050cc42cc66f2.json
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+{"chunk":{"char_end":150885,"char_start":149279,"chunk_id":"chk_a138be63fa4549d4","chunk_index":167,"chunk_sha256":"1b3fe19515a53619742b7d960095f303811e6f35e342d14dd9d050cc42cc66f2","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"1b3fe19515a53619742b7d960095f303811e6f35e342d14dd9d050cc42cc66f2","token_estimate":402,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Note: To easily find data points in the UAD Specification, search for “Appraiser” under the “Additional\n\nContext” column.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 95\n\nReport\nField ID\n\nReport Label\n\nUnique ID\n\nMISMO Data Point Name\n\nDisplay Rules\n\nAssignment Information: Contact Information – Appraiser\n\n2400.0041\n\nFirstName\n\nAlways displays\n\n2400.0043\n\nMiddleName\n\nDisplay when provided\n\n2.017\n\nName\n\n2400.0042\n\nLastName\n\n2400.0044\n\nSuffixName\n\n2.018\n\nDesignation\n\n2400.0049\n\nAppraiserDesignationType\n\n2.019\n\nCompany Name\n\n2400.0047\n\nAppraiserCompanyName\n\n2.020\n\nCompany Address\n\n2400.0033\n\nAddressLineText\n\n2400.0034\n\nCityName\n\n2400.0036\n\nStateCode\n\n2400.0035\n\nPostalCode\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nAlways displays\n\nDisplay when provided\n\nDisplay when provided\n\nIf there are multiple designations, display separated with a comma\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\n2.021\n\nExterior\n\n2400.0081\n\nPropertyExteriorInspectionMethodType\n\nAlways displays\n\n2.022\n\nInterior\n\n2400.0082\n\nPropertyInteriorInspectionMethodType\n\nAlways displays\n\n2.023\n\nInspection Date\n\n2400.0080\n\nInspectionDate\n\nCredentials\n\n2.024\n\nLevel\n\n2400.0051\n\nAppraiserLicenseType\n\n2.025\n\nID\n\n2400.0054\n\nLicenseIdentifier\n\n2.026\n\nState\n\n2400.0055\n\nLicenseIssuingAuthorityStateCode\n\nDisplay when provided.\n\nWhen not provided, do not display report label.\n\nAlways displays\n\nAlways displays\n\nRequired when AppraiserLicenseType <> “None”\n\nWhen not provided, do not display report label.\n\nRequired when AppraiserLicenseType <> “None”\n"}
diff --git a/chunks/json/1b40c485064e3e594bf8b28de1680a3c66443034fc742f5f6ba586e3dcb65c29.json b/chunks/json/1b40c485064e3e594bf8b28de1680a3c66443034fc742f5f6ba586e3dcb65c29.json
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+{"chunk":{"char_end":12861,"char_start":12831,"chunk_id":"chk_4f8ba9e6b58b0092","chunk_index":7,"chunk_sha256":"1b40c485064e3e594bf8b28de1680a3c66443034fc742f5f6ba586e3dcb65c29","date_utc":"2026-01-27T18:02:20+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0049eb0d181cfd85","text_sha256":"1b40c485064e3e594bf8b28de1680a3c66443034fc742f5f6ba586e3dcb65c29","token_estimate":8,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2023-loan-delivery-release-notes-printable-version.pdf","below_target_min_tokens"]},"text":"© 2023 Fannie Mae Page 5 of 5\n"}
diff --git a/chunks/json/1b43689e860b7617581293a1ae14e407be66d2810fb32afeb7e4de92ba6b12f5.json b/chunks/json/1b43689e860b7617581293a1ae14e407be66d2810fb32afeb7e4de92ba6b12f5.json
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index 0000000000000000000000000000000000000000..f2de495e5b97aa7f9ffcc9511bdf16dd66b731fa
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+{"chunk":{"char_end":4854,"char_start":3242,"chunk_id":"chk_cf8799c627244dab","chunk_index":2,"chunk_sha256":"1b43689e860b7617581293a1ae14e407be66d2810fb32afeb7e4de92ba6b12f5","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"1b43689e860b7617581293a1ae14e407be66d2810fb32afeb7e4de92ba6b12f5","token_estimate":403,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"2025-047\n\nUpdated the ‘Definition / Additional Guidance’ column for Other in the Site Influence table to include Place of Worship as\nan example.\n\n04 Site\n\n2025-023 Clarified the ‘Definition / Additional Guidance’ column for Broadband Internet Available (4.067).\n\n2025-033\n\nCorrected the ‘When to Include’ and ‘Definition / Additional Guidance’ columns for Utility Shared (4.072, 4.078, 4.084,\n4.090, 4.096) to align with Appendix A-1.\n\n2025-035 Clarified the ‘Definition / Additional Guidance’ column for Year Built (8.010).\n\n2025-043 Updated the ‘Definition / Additional Guidance’ column for 3D Technology in the Construction Method table.\n\n2025-024 Updated snippet for Apparent Defects, Damages, Deficiencies (Dwelling Exterior).\n\n2025-048\n\nClarified the ‘Definition / Additional Guidance’ column for Manufactured Home Width (9.005) for multi-story single-width\nhomes.\n\n2025-005 Corrected the ‘When to Include’ column for Invoice(s) Appear Reasonable (9.024).\n\n2025-002\n\nCorrected snippet for Amenity Examples in Subject Property Amenities and Sales Comparison Approach to align with\nsample scenarios and iGuide.\n\n2025-002 Corrected the ‘When to Include’ column for Project Special Assessment Amount (18.072).\n\n08 Dwelling\nExterior\n\n09 Manufactured\nHome\n\n14 Subject\nProperty\nAmenities\n\n18 Project\nInformation\n\n20 Sales Contract 2025-002 Corrected the Report Field ID for Sales Contract Analysis (20.011).\n\nAppendix F-1: URAR Reference Guide\n\nPage 2 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nRevision History\n\nReference Guide\nChapter\n\nChange #\n\nVersion 1.3 (Published June 10, 2025)\n\nRevision Description\n"}
diff --git a/chunks/json/1b4d03665737a43c3ba266e4efe08b76085198231a7a926eae74c2933c97611a.json b/chunks/json/1b4d03665737a43c3ba266e4efe08b76085198231a7a926eae74c2933c97611a.json
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+{"chunk":{"char_end":19666,"char_start":19161,"chunk_id":"chk_295b6de80fb2fbab","chunk_index":22,"chunk_sha256":"1b4d03665737a43c3ba266e4efe08b76085198231a7a926eae74c2933c97611a","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"1b4d03665737a43c3ba266e4efe08b76085198231a7a926eae74c2933c97611a","token_estimate":476,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Data Sources ............................................................................................................................................................................................................................................ 60\n\nCost Approach .......................................................................................................................................................................................................................................... 60\n"}
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+++ b/chunks/json/1b501bf99687a20efec8a382afa693460f499f1d3e881f36767b3c1a7f413dca.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":43081,"char_start":41432,"chunk_id":"chk_e6eed57c25232343","chunk_index":25,"chunk_sha256":"1b501bf99687a20efec8a382afa693460f499f1d3e881f36767b3c1a7f413dca","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"1b501bf99687a20efec8a382afa693460f499f1d3e881f36767b3c1a7f413dca","token_estimate":413,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Reporting Format:\nElectricity – Checkbox(es) designated with an\n‘x’\nGas – Checkbox(es) designated with an ‘x’\nWater – Checkbox(es) designated with an ‘x’\nSanitary Sewer – Checkbox(es) designated\nwith an ‘x’\nDescription of ‘Other’ (if applicable) – Text\n\nStreet/Alley\nThe appraiser should indicate whether the\nstreet or alley type is ‘Public’ and/or ‘Private’.\nEnter ‘None’ in the appropriate description\nfield if there is no street or alley.\n\nReporting Format:\nStreet – Checkbox(es) designated with an ‘x’\nAlley – Checkbox(es) designated with an ‘x’\nDescription of Street/Alley – Text\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\n• 1004/70\n\nINSTRUCTION\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\nProject\nInformation\nSection\n\nProject Description\nIf the project includes more than one building,\nthe appraiser should enter the type of building\nin which the subject unit is located. Only one\nselection is permitted. If ‘Other’ is selected, the\nappraiser must enter a description.\n\n• 1073/465\n\nINSTRUCTION\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\nReporting Format:\nProject Description – Checkbox designated\nwith an ‘x’ Description of ‘Other’ (if applicable)\n– Text\n\nPage 23 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 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\nthe direction of the Federal Housing Finance Agency.\n"}
diff --git a/chunks/json/1b5a0eb269ca2ca5a3401a84796d9d712e4d09375da35baf2e5739ebc9a164ba.json b/chunks/json/1b5a0eb269ca2ca5a3401a84796d9d712e4d09375da35baf2e5739ebc9a164ba.json
new file mode 100644
index 0000000000000000000000000000000000000000..c9779cce5f76ec906f95b42969390b3279280dbf
--- /dev/null
+++ b/chunks/json/1b5a0eb269ca2ca5a3401a84796d9d712e4d09375da35baf2e5739ebc9a164ba.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":111529,"char_start":109509,"chunk_id":"chk_5e0a20dbf1168922","chunk_index":143,"chunk_sha256":"1b5a0eb269ca2ca5a3401a84796d9d712e4d09375da35baf2e5739ebc9a164ba","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"1b5a0eb269ca2ca5a3401a84796d9d712e4d09375da35baf2e5739ebc9a164ba","token_estimate":505,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Appendix B-1: URAR Implementation Guide v1.3\n\nPage 55\n\n• Scenario 3: When a given image of the subject property is used in the Summary section and as the thumbnail in the Sales\n\nComparison Approach, this image must be included only once in the Images folder of the .zip file. As the ImageCategoryType for\nthis image is “PropertyPhoto” in both these locations and ImageFileLocationIdentifier is also pointing to the same image, only\none instance of the IMAGE container must be included in the XML.\n\n• Scenario 4: When a given image is used in two different sections, then this image must be displayed in both section’s exhibits\n\nsubsection with appropriate ImageCategoryType. For example, when DetachedGarage.png is used to represent detached garage\nas an outbuilding and as a vehicle storage, then this image should be displayed in both Outbuilding and Vehicle Storage\nsections. One copy of this image is included in the Images folder of the .zip file. In the XML file, include two instances of the\nIMAGE container both pointing to the same image in the ImageFileLocationIdentifier.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nPage 56\n\nDescriptive Text for Images – When an image has multiple pieces of information to display on the URAR each piece of data should be\n\nseparated with a “-“. Whether an image is referenced in multiple sections, either through containment or multiple\nImageCategoryType(s) each piece of descriptive text displayed in the report should be separated using a “-“ hyphen.\n\nDefects, damages, and deficiencies observed on the property will be reported in the following sections. Each defect, damage, or deficiency\nthat has been identified must be captured in an instance of the DEFECT container. The DEFECT container is located under the PROPERTY\ncontainer. There is no context in the data for the location (building or unit) where the defect is identified. An arcrole must be used to link\nthe DEFECT container to the appropriate instance of the container (location) to provide the context.\n"}
diff --git a/chunks/json/1b809312f25f8637ebfe37c1dbfcfe65cb973aeae4dacc0c1f2cb69cc1001619.json b/chunks/json/1b809312f25f8637ebfe37c1dbfcfe65cb973aeae4dacc0c1f2cb69cc1001619.json
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index 0000000000000000000000000000000000000000..bff84820a1e7187a03983464527aac9b050d8ff2
--- /dev/null
+++ b/chunks/json/1b809312f25f8637ebfe37c1dbfcfe65cb973aeae4dacc0c1f2cb69cc1001619.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":20366,"char_start":18707,"chunk_id":"chk_aa330af6cc984732","chunk_index":10,"chunk_sha256":"1b809312f25f8637ebfe37c1dbfcfe65cb973aeae4dacc0c1f2cb69cc1001619","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_e6198def01e57e81","text_sha256":"1b809312f25f8637ebfe37c1dbfcfe65cb973aeae4dacc0c1f2cb69cc1001619","token_estimate":414,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Mortgage_Loan_and_Natural_Disaster_Dashboard_Instr_oi7g4.md"]},"text":"*Figure 7: Export to Excel Example*\n\n- **How can I download data embedded in the dashboard?** - To download the complete imported data underlying the dashboard, reset all the filters. Then, click an empty space on the map. Click the \"Choose a format to download\" button at the bottom of the dashboard (Figure 8). Click \"Data.\" Make sure to click the map if the \"Data\" option is greyed out.\n - To download aggregated PUDB data, go to \"GSE_2022\" in the \"View Data\" pop-up window and click \"Download all rows as a text file.\" Please check Appendix I for the data dictionary for GSE_2022.\n - To download NRI data, go to \"NRI_CensusTacts\" in the \"View Data\" pop-up window and click \"Download all rows as a text file.\" Please check Appendix II for the data dictionary for NRI_CensusTacts.\n ![Figure 8: Choose a format to download button](/sites/default/files/2024-09/Figure8-Choose-a-format-to-download-button.png)\n\n*Figure 8: Choose a format to download button*\n\n### Appendix I: Data Dictionary - GSE_2022\n\nField Name Field Description State State Name County County Name Tract 2020 Census Tract Tractfips State-County-Tract FIPS Code Stcofips State-County FIPS Code Ym Acquisition Year pov_ind Persistent Poverty County Indicator Risk_Rating_S National Risk Index Rating for selected Hazard rural_ind Rural area for purposes of Duty to Serve Indicator Gsel SF Loan Count - Purchased by Enterprise Gsemfl MF Property Count - Purchased by Enterprise Gseu Total SF Acquisition UPB - Purchased by Enterprise Gsemfu Total MF Acquisition UPB - Purchased by Enterprise Hlbl SF Loan Count - Purchased by FHLBanks Hlbu Total SF Acquisition UPB - Purchased by FHLBanks\n"}
diff --git a/chunks/json/1b884b208e37a0eb92198481b5b5f636f340d29a0285797466f17daa1a27b208.json b/chunks/json/1b884b208e37a0eb92198481b5b5f636f340d29a0285797466f17daa1a27b208.json
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index 0000000000000000000000000000000000000000..1b76b04b27d76842365c3d77bd068ef12781d159
--- /dev/null
+++ b/chunks/json/1b884b208e37a0eb92198481b5b5f636f340d29a0285797466f17daa1a27b208.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":790365,"char_start":788660,"chunk_id":"chk_1caf519557804e1b","chunk_index":469,"chunk_sha256":"1b884b208e37a0eb92198481b5b5f636f340d29a0285797466f17daa1a27b208","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1b884b208e37a0eb92198481b5b5f636f340d29a0285797466f17daa1a27b208","token_estimate":427,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/PROJECT/@_ManagementAgentNam\ne\n\n200\n\nString\n\n190\n\n1\n\n179\n\nPROJECT\nINFORMATION\n\nDoes any single entity (the same\nindividual, investor group, corporation,\netc.) own more than 10% of the total\nunits in the project?\nYes\n\nProject\nConcentrated\nOwnership Indicator\n\nIndicates that one person or entity holds\nmore than ten (10) percent ownership of\nthe project. FORM-SPECIFIC FIELD.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ConcentratedOwnershi\npIndicator='Y']\n\n1\n\n1\n\nBoolean\n\nBoolean\n\n191\n\n192\n\n193\n\n194\n\n195\n\n1\n\n1\n\n1\n\n1\n\n1\n\n180\n\n181\n\n182\n\n183\n\n184\n\nPROJECT\nINFORMATION\n\nPROJECT\nINFORMATION\n\nDoes any single entity (the same\nindividual, investor group, corporation,\netc.) own more than 10% of the total\nunits in the project?\nNo\n\nDoes any single entity (the same\nindividual, investor group, corporation,\netc.) own more than 10% of the total\nunits in the project?\nIf Yes, describe\n\nPROJECT\nINFORMATION\n\nWas the project created by the\nconversion of an existing building(s)\ninto a condominium?\nYes\n\nPROJECT\nINFORMATION\n\nPROJECT\nINFORMATION\n\nWas the project created by the\nconversion of an existing building(s)\ninto a condominium?\nNo\n\nWas the project created by the\nconversion of an existing building(s)\ninto a condominium?\nIf Yes, describe the original use and the\ndate of conversion.\n\nProject\nConcentrated\nOwnership Indicator\n\nIndicates that one person or entity holds\nmore than ten (10) percent ownership of\nthe project. FORM-SPECIFIC FIELD.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ConcentratedOwnershi\npIndicator='N']\n\nProject\nConcentrated\nOwnership\nDescription\n\nA free-form text field describing the one\nperson or entity that holds more than ten\n(10) percent ownership of the project.\n"}
diff --git a/chunks/json/1ba2d641c996803f1036e74c737a313fddb6ae5e10188a20cec065aad3a56726.json b/chunks/json/1ba2d641c996803f1036e74c737a313fddb6ae5e10188a20cec065aad3a56726.json
new file mode 100644
index 0000000000000000000000000000000000000000..12a99cab04c755635595bfda12d66e68126a2f5f
--- /dev/null
+++ b/chunks/json/1ba2d641c996803f1036e74c737a313fddb6ae5e10188a20cec065aad3a56726.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":279198,"char_start":277504,"chunk_id":"chk_bed94f431cf901dc","chunk_index":148,"chunk_sha256":"1ba2d641c996803f1036e74c737a313fddb6ae5e10188a20cec065aad3a56726","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"1ba2d641c996803f1036e74c737a313fddb6ae5e10188a20cec065aad3a56726","token_estimate":424,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"2.\n\nIdentify the jurisdiction assessing the tax or fee as part of the fee description (8.3.1).\n\n3. Determine if the payment was broken out across multiple payors (as provided by State or local law, the\n\nterms of the legal obligation, or the real estate purchase contract) or was paid at different times relative to\nclosing. If paid by one payor at one time, disclose the full amount of the charge in the appropriate column.\n(8.3.2 – 8.3.6)\n\n4.\n\nIf the payment was broken out, disclose all payors, their portion of the charge, and at what time they paid\nit relative to closing.\n\na.\n\nb.\n\nIf the charge was paid by a third party, no timing information is needed. (8.3.6)\n\nIf the third-party payor is the lender, precede the amount paid by the indicator “(L)” (8.3.6)\n\n8. 2 | 8. 3 RECORDI NG FEES AND TRANSFER TAXES\n\nAs shown in the Figure 81, the Recording Fees line item description is broken out into two subtotals—one\namount for fees relating to the Deed ($45.00) and one amount for fees relating to the Mortgage or other\nsecurity instrument ($40.00). These two subtotals are summed to provide the total amount that must then be\nbroken out by the party making the payment and the timing of the payment. In this For example, only fees\ndirectly attributable to recording the deed ($40.00) and the mortgage ($45.00) were assessed, and the borrower\npaid the entire amount at closing. Therefore, the Borrower-Paid At Closing amount is $85.00.\n\nNote that additional items to be recorded that cannot be directly associated with either the deed or mortgage\nneed to be included in the summed value and then broken out as applicable. These items are not reflected on\nthe form or included in the data set.\n"}
diff --git a/chunks/json/1ba4b8fd8fa99773c1c1df11339d4a9954371678a415241bc5491c42c6e8122f.json b/chunks/json/1ba4b8fd8fa99773c1c1df11339d4a9954371678a415241bc5491c42c6e8122f.json
new file mode 100644
index 0000000000000000000000000000000000000000..95cf32a5a73c17a882cf3761bdd2b97569ffb3cb
--- /dev/null
+++ b/chunks/json/1ba4b8fd8fa99773c1c1df11339d4a9954371678a415241bc5491c42c6e8122f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":284314,"char_start":282676,"chunk_id":"chk_d7fa2605d531b005","chunk_index":151,"chunk_sha256":"1ba4b8fd8fa99773c1c1df11339d4a9954371678a415241bc5491c42c6e8122f","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"1ba4b8fd8fa99773c1c1df11339d4a9954371678a415241bc5491c42c6e8122f","token_estimate":409,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"8.2 Three repeats of FEE are required for the Recording Fees for Deed and Mortgage line item (8.2). Two for the\nsubtotals in the line item description, and one to identify the total Recording Fee amount(s) (sum of amounts in\nline item description) by Payer and payment time relative to closing.\n\n8. 4 PREPAI DS\n\nThe Regulation specifies the order and contents of each of the first four line items that must appear in section F.\nPrepaids:\n\nAppendix E: UCD Implementation Guide\n\nPage 129 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n8.0 Other Costs Table\n\n8.5 The number of months for which the borrower paid Homeowner’s Insurance Premiums, to whom they\n\nwere paid, and the total dollar amount\n\n8.6 The number of months for which the borrower paid Mortgage Insurance Premiums, to whom they were\n\npaid, and the total dollar amount\n\n8.7 The amount of Prepaid Interest paid per day, the start date and through date represented by the prepaid\n\ninterest, and the total dollar amount\n\n8.8 The number of months for which the borrower paid Property Taxes, to whom they were paid, and the total\n\ndollar amount.\n\n8.9 Any additional items relevant to the transaction, including items such as past-due real estate property taxes\n\nand flood insurance premiums, and so forth.\n\nOther Costs\n\n8.0\n\n8.1 E. Taxes and Other Government Fees\n\n8.4 F. Prepaids\n\nBorrower-Paid\n\nSeller-Paid\n\nAt Closing\n\nBefore Closing\n\nAt Closing\n\nBefore Closing\n\nPaid by\nOthers\n\n8.1.1 $985.00\n\n8.4.1 $1,598.00\n\n018.5 Homeowner’s Insurance Premium 8.5.1 (12 mo.) to\n\n8.5.2\n\n8.5.3 $1,209.96 8.5.4\n\n8.5.5\n\n8.5.6\n\nInsurance Co\n\n028.6 Mortgage Insurance Premium 8.6.1 (1 mo.) to MI\n"}
diff --git a/chunks/json/1bc965a121410bc50c8fab0ae760fffa71330803e9ab400443565349cf4b3e8b.json b/chunks/json/1bc965a121410bc50c8fab0ae760fffa71330803e9ab400443565349cf4b3e8b.json
new file mode 100644
index 0000000000000000000000000000000000000000..271fbc0c6cc98d061cbbe06af6e5416138ff941b
--- /dev/null
+++ b/chunks/json/1bc965a121410bc50c8fab0ae760fffa71330803e9ab400443565349cf4b3e8b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3301,"char_start":1626,"chunk_id":"chk_1a481c17dea01190","chunk_index":1,"chunk_sha256":"1bc965a121410bc50c8fab0ae760fffa71330803e9ab400443565349cf4b3e8b","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_30543138a1c3e2a6","text_sha256":"1bc965a121410bc50c8fab0ae760fffa71330803e9ab400443565349cf4b3e8b","token_estimate":419,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/frequently-asked-questions-du-spec.pdf"]},"text":"3. What data points are used to represent a Mortgage Credit Certificate (MCC) in the loan\n\nsubmission file?\n\nFor conventional loans a Mortgage Credit Certificate (MCC) is represented at the borrower level by a\nCurrent Income Item having IncomeType (UID 4.0044) = “MortgageCreditCertificate”. The amount of\nthe MCC will be added to income for calculations.\n\nFor government loans, an MCC is represented at loan level using the data point.\nGovernmentMortgageCreditCertificateAmount (UID 13.0014). For an FHA loan, the amount of the\nMCC will be subtracted from the mortgage payment for calculations. For a VA loan, the amount of the\nMCC will be added to the residual income, subject to VA monthly limits.\n\nAlso, you cannot submit both IncomeType = “MortgageCreditCertificate” AND\nGovernmentMortgageCreditCertificateAmount in the same Loan Application Submission file or DU will\nresult in a recommendation of “Ineligible”.\n\n4. How should Present Housing Expenses be represented in the file?\n\nFor present housing expenses related to home ownership, the OWNED_PROPERTY and LIABILITY\nstructures are utilized. When an OWNED_PROPERTY has the PropertyUsageType = “PrimaryResidence”\nand OwnedPropertyDispositionStatusType = “Retain”, all expenses other than mortgage payments are\nreflected in the data point OwnedPropertyMaintenanceExpenseAmount. The present housing expense\nrepresented by the mortgage payments are reflected in the LiabilityMonthlyPaymentAmount of the\nMortgageLoan liability(s) associated to the OWNED_PROPERTY.\n\n3\n\nThe ASSET container listed above will be linked using an ArcRole to all LIABILITY containers which\ncontain the monthly mortgage payment(s) of the ASSET.\n"}
diff --git a/chunks/json/1bce47d768160cb3f8fc3ceaa5625d4bffe3748f947fe0bd4453f0aa2a2190ef.json b/chunks/json/1bce47d768160cb3f8fc3ceaa5625d4bffe3748f947fe0bd4453f0aa2a2190ef.json
new file mode 100644
index 0000000000000000000000000000000000000000..3a36cdc566e7376d8c1a4446d0c3558c6f3a9f5a
--- /dev/null
+++ b/chunks/json/1bce47d768160cb3f8fc3ceaa5625d4bffe3748f947fe0bd4453f0aa2a2190ef.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":561673,"char_start":560024,"chunk_id":"chk_d6f66dba64b46f56","chunk_index":324,"chunk_sha256":"1bce47d768160cb3f8fc3ceaa5625d4bffe3748f947fe0bd4453f0aa2a2190ef","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"1bce47d768160cb3f8fc3ceaa5625d4bffe3748f947fe0bd4453f0aa2a2190ef","token_estimate":413,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"The subject and comparables are located within a suburban market area that is within 40 miles commuting distance to the Northern\nVirginia and Washington, DC metropolitan business and government centers. Sales of properties with accessory dwelling units, while not\nuncommon, can be difficult to identify as the units are often not advertised as separate living areas. Comparables #2 and #3 are given greatest\nconsideration as they are the most proximate, contain accessory dwelling units and are most similar in age, quality, and condition to the\nsubject. The subject and all comparables are located within the “Unreal Farms” neighborhood and are leasehold properties.\n\nAppraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 4 (SF4)\n\nUniform Residential Appraisal Report\n\nPage 18 of 22\nPage 18 of 22\n\nSales Comparison Approach (continued)\n\nPG BRK\n\nSales Comparison Map\n\nAppraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 4 (SF4)\n\nUniform Residential Appraisal Report\n\nPage 19 of 22\nPage 19 of 22\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\nThis is where the Comparable 3 photo would display.\n\nReconciliation\n\nApproaches to Value\n\nIndicated Value\n\nReason for Exclusion\n\nAppraisal Summary\n\nContract Price\nOpinion of Market Value\nMarket Value Condition\n"}
diff --git a/chunks/json/1bd8c99b5d53b81d072a0e67c443dfe5df8deef0d9cce6ba083c9e196ebd423a.json b/chunks/json/1bd8c99b5d53b81d072a0e67c443dfe5df8deef0d9cce6ba083c9e196ebd423a.json
new file mode 100644
index 0000000000000000000000000000000000000000..f04028ac032950e659b8f4e45a8cc0b4c9981029
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+{"chunk":{"char_end":1624,"char_start":0,"chunk_id":"chk_61a59abe565a1351","chunk_index":0,"chunk_sha256":"1bd8c99b5d53b81d072a0e67c443dfe5df8deef0d9cce6ba083c9e196ebd423a","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6d5adf56d1237dd1","text_sha256":"1bd8c99b5d53b81d072a0e67c443dfe5df8deef0d9cce6ba083c9e196ebd423a","token_estimate":406,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH2_Appraisal/_.pdf/MH2_Appraisal_v1.3.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix D-1: Manufactured Home Scenario 2 (MH2)\nDocument Version 1.3\nJune 10, 2025\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nRevision History\n\nDate\n\nVersion # Revision Description\n\n06/10/2025\n\n09/17/2024\n\n12/12/2023\n\n1.3\n\n1.2\n\n1.1\n\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\n\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\nSee Appendix D-1: URAR Sample Scenario Matrix for complete list of\nupdates.\n\n03/29/2023\n\n1.0\n\nInitial Publication\n\nIntroduction\n\nThis report is for a 1,568 sq. ft. manufactured home with three bedrooms and two full baths. The\ndwelling is attached to a poured concrete perimeter foundation with crawl space. The site is a 14,000 sq.\nft. lot within a neighborhood of similar manufactured, modular, and site-built single-level homes.\n\nThe improvements include an attached two-car garage, patio, and covered porch.\n\nKey Characteristics\n\n• Refinance Transaction\n\n• Construction Method: Manufactured Home and Site Built\n\no Freddie Mac CHOICEHome® (for additional details refer to CHOICEHome - Freddie Mac\n\nSingle-Family)\n\no Fannie Mae MH Advantage (for additional details refer to Manufactured Housing\n\nFinancing | Fannie Mae)\n\no Features and characteristics that exceed minimum HUD code for manufactured homes\n\no Garage and front porch are site-built\n"}
diff --git a/chunks/json/1bdf78e39e1c6a230b21924c0762a33204abe0afa8601971cb813bff9b318357.json b/chunks/json/1bdf78e39e1c6a230b21924c0762a33204abe0afa8601971cb813bff9b318357.json
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index 0000000000000000000000000000000000000000..51694ce2eabfb6c831a595e40b4b019b5f29fec1
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+++ b/chunks/json/1bdf78e39e1c6a230b21924c0762a33204abe0afa8601971cb813bff9b318357.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":292383,"char_start":290630,"chunk_id":"chk_b912bf619a26d4ae","chunk_index":156,"chunk_sha256":"1bdf78e39e1c6a230b21924c0762a33204abe0afa8601971cb813bff9b318357","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"1bdf78e39e1c6a230b21924c0762a33204abe0afa8601971cb813bff9b318357","token_estimate":438,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"1. MAPPI NG GUI DANCE\n\nFourth Instance of PREPAID_ITEM\n\n…/PREPAID_ITEM/PR\nEPAID_ITEM_DETAIL\n\nFeePaidToType\n\nThirdPartyProvider\n\nNot Shown –\nATR/QM\n\nIntegratedDisclosure\nSectionType\n\nPrepaids\n\nNot Shown\n\nPrepaidItemMonthsP\naidCount\n\n6\n\nPrepaidItemType\n\nCountyPropertyTax\n\nROF as “(6 mo.)”\n\nROF as “Property\nTaxes”\n\nFullName\n\nAny County USA\n\nJurisdiction payee\n\nPrepaidItemActualPa\nymentAmount\n\n631.80\n\nROF as “$631.80”\n\nPrepaidItemPayment\nPaidByType\n\nSeller\n\nPrepaidItemPayment\nTimingType\n\nBefore Closing\n\nROF as “Seller-Paid”\n\n…/PREPAID_ITEM_PA\nID_TO/LEGAL_ENTITY\n/LEGAL_ENTITY_DET\nAIL\n\n…/PREPAID_ITEM/PR\nEPAID_ITEM_PAYME\nNTS/PREPAID_ITEM_\nPAYMENT\n\na. Prepaids line items are represented using PREPAID_ITEM under CLOSING_INFORMATION.\n\nPREPAID_ITEM repeats for each line item with child containers including data points that identify the\n\nAppendix E: UCD Implementation Guide\n\nPage 133 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n8.0 Other Costs Table\n\nline item, the period for which the payment is made, the party to whom the payment is due, and the\nbreak out of the payments by amount, payer, and timing of the payment relative to closing.\n\ni.\n\nii.\n\nPREPAID_ITEM_DETAIL/PrepaidItemType describes the line item. Appendix I specifies enumerated\nvalues for Prepaid Item Type to cover most scenarios in the closing process; however, there are\ninstances when a specific item may not be listed. In these instances use the PrepaidItemType value\nof “Other” plus PrepaidItemTypeOtherDescription with explicit description of the item.\n\nThe timeframe covered by the prepaid item is specified using either the\nPrepaidItemMonthsPaidCount, or if it is expressed as a range the PrepaidItemPerDiemAmount,\nPrepai ItemPai From Date, and Prepaid ItemPaidThroughDate.\n"}
diff --git a/chunks/json/1be0645468ae39d6205fc418c86fc82c10e48132abaa70455d48d60002671535.json b/chunks/json/1be0645468ae39d6205fc418c86fc82c10e48132abaa70455d48d60002671535.json
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+++ b/chunks/json/1be0645468ae39d6205fc418c86fc82c10e48132abaa70455d48d60002671535.json
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+{"chunk":{"char_end":38160,"char_start":37475,"chunk_id":"chk_11be869dfef0cfe0","chunk_index":40,"chunk_sha256":"1be0645468ae39d6205fc418c86fc82c10e48132abaa70455d48d60002671535","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"1be0645468ae39d6205fc418c86fc82c10e48132abaa70455d48d60002671535","token_estimate":413,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"15.000\n\n15.005\n\n15.001 15.002\n\n15.003 15.004\n\n15.006 15.007\n15.008 15.009\n\n15.010\n\n(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1)\n(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)\n\n(cid:54)(cid:79)(cid:74)(cid:71)(cid:80)(cid:83)(cid:78)(cid:1)(cid:51)(cid:70)(cid:84)(cid:74)(cid:69)(cid:70)(cid:79)(cid:85)(cid:74)(cid:66)(cid:77)(cid:1)(cid:34)(cid:81)(cid:81)(cid:83)(cid:66)(cid:74)(cid:84)(cid:66)(cid:77)(cid:1)(cid:51)(cid:70)(cid:81)(cid:80)(cid:83)(cid:85)(cid:1)\n"}
diff --git a/chunks/json/1be2f33465a7b3a712b5e92405b32841ef122a44b726e8bbe9343f9f6ed6eade.json b/chunks/json/1be2f33465a7b3a712b5e92405b32841ef122a44b726e8bbe9343f9f6ed6eade.json
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index 0000000000000000000000000000000000000000..01b947fa7be2bff06d61b7276b680fa5d183e881
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+++ b/chunks/json/1be2f33465a7b3a712b5e92405b32841ef122a44b726e8bbe9343f9f6ed6eade.json
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+{"chunk":{"char_end":133714,"char_start":131900,"chunk_id":"chk_d5e72cca1f5b4930","chunk_index":75,"chunk_sha256":"1be2f33465a7b3a712b5e92405b32841ef122a44b726e8bbe9343f9f6ed6eade","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"1be2f33465a7b3a712b5e92405b32841ef122a44b726e8bbe9343f9f6ed6eade","token_estimate":454,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"1. Data Point\n\na. Adding Data Points to the MISMO Standard\n\nIf the business partner believes that the V3.0 Reference Model is missing a data\npoint that would be valuable to the Standard, the business partner should submit a\nchange request to the MISMO Workgroup requesting that the data point be added\nto the next version. Contact MISMO staff at info@mismo.org for the proper\nprocedure for initiating this process. In the meantime, if the business partners wish\nto use the data point, they must use the appropriate EXTENSION container.\n\n2. Enumeration : Explanation\n\na. Adding Enumerations to the MISMO Standard.\n\nIf the business partner believes that the data point has a missing enumeration that\nwould be valuable to the Standard, the business partner should submit a change\nrequest to the MISMO Workgroup requesting that the valid value be added to the\nnext version of the Standard. This should be done even when the business partner\nis using “Other Description” in its current implementation, so that the Standard can\ncontinue to mature and remain relevant. Contact MISMO staff at info@mismo.org\nfor the proper procedure for initiating this process.\n\n3. Enumeration: -- URN Suffix\n\nBusiness partners usually don’t need to refer to the “Enumeration: -- URN Suffix”\ncolumn. A Uniform Resource Name (URN) is included in the LDD for every\nenumeration; it is simply another representation of a data-point-valid-value\ncombination. The URN for an enumeration is the URN of its data point, including the\nMISMO namespace, followed by a colon and the enumeration, all without spaces.\n(The MISMO namespace provides the source for this particular XML “vocabulary,”\nand enables data points to remain unique if, for example, an instance of the MISMO\nschema were to be combined with terms from another XML vocabulary source.)\n"}
diff --git a/chunks/json/1be722c233eb4ae9b770b2e92101ef7a233e35160ef9eb55be4be3be2716539c.json b/chunks/json/1be722c233eb4ae9b770b2e92101ef7a233e35160ef9eb55be4be3be2716539c.json
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+++ b/chunks/json/1be722c233eb4ae9b770b2e92101ef7a233e35160ef9eb55be4be3be2716539c.json
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+{"chunk":{"char_end":4879,"char_start":3256,"chunk_id":"chk_bc5ebfb578b49103","chunk_index":2,"chunk_sha256":"1be722c233eb4ae9b770b2e92101ef7a233e35160ef9eb55be4be3be2716539c","date_utc":"2026-01-27T18:07:58+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_221a19b69e218256","text_sha256":"1be722c233eb4ae9b770b2e92101ef7a233e35160ef9eb55be4be3be2716539c","token_estimate":406,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/_.pdf/SF5A_Appraisal_v1.1.pdf"]},"text":"Client/Lender\n\nCompany Name\nCompany Address\n\nAppraiser\n\nName\nCompany Name\n\nCompany Address\n\nBank of Maryland\n81 Cedar Rd\nNowhere, MD 09991\n\nJohn Appraiser\n John Appraiser Appraisal\nCompany\n381 Pine St\nAnytown, MD 09992\n\nCredentials\nLevel\nID\nState\nExpires\n\nCertified Residential\n03-XXXXXX\nMD\n12/31/2025\n\nScope of Inspection by Appraiser\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nPhysical\nPhysical\n03/03/2024\n\nSubject Property\n\nPhysical Address\n\nCounty\nNeighborhood Name\n\n213 Tree Stand Rd\nAnytown, MD 09992\nHill\nHilltop Hills\n\nAttachment Type\nUnits Excluding ADUs\nAccessory Dwelling Units\nSpecial Tax Assessments\n\nDetached\n1\n0\nNo\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 3 Block 8 Section 2 of Hilltop Hills\n\nSite\n\nTotal Site Size\n\n15,000 Sq. Ft.\n\nNumber of Parcels\n\n1\n\nAssessor Parcel Number (APN)\nKLWMDFMW\n\nAPN Description\nLand with Dwelling\n\nParcel Size\n15,000 Sq. Ft.\n\nZoning\n\nCompliance\nClassification Code\nClassification Code Description\n\nLegal\nR-3\n 3 Residential Building Lots\nper Acre\n\nProperty Use\n\nNon-Residential Use\n\nNone\n\nProperty Access\n\nPrimary Access\nStreet Type and Surface\nTypical for Market\n\nPublic Street\nLocal Road | Asphalt\nYes\n\nAppraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K\n"}
diff --git a/chunks/json/1bef287a2b7a581c1afdcfad14cbf3a7a5016ccb7c9e0667e0885fb92b860e88.json b/chunks/json/1bef287a2b7a581c1afdcfad14cbf3a7a5016ccb7c9e0667e0885fb92b860e88.json
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+{"chunk":{"char_end":29497,"char_start":28639,"chunk_id":"chk_42cdd058d356aa6f","chunk_index":17,"chunk_sha256":"1bef287a2b7a581c1afdcfad14cbf3a7a5016ccb7c9e0667e0885fb92b860e88","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1bef287a2b7a581c1afdcfad14cbf3a7a5016ccb7c9e0667e0885fb92b860e88","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Guest Parking Spaces Count\n\n1004/70\n\n1004\nHybrid/\n70H\n\n1004\nDesktop/\n70D\n\n2055\n\n1073/465\n\n1073\nHybrid/\n465H\n\n1073\nDesktop/\n465D\n\n1075/466\n\nT\n\nT\n\nT\n\nCR\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nCR\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nCR\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nCR\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nT\nT\nCR\nT\nT\nT\nT\nT\nT\nT\nT\nT\nCR\nT\nT\nT\nT\n\nT\nT\nCR\nT\nT\nT\nT\nT\nT\nT\nT\nT\nCR\nT\nT\nT\nT\n\nT\nT\nCR\nT\nT\nT\nT\nT\nT\nT\nT\nT\nCR\nT\nT\nT\nT\n\nT\nT\nCR\nT\nT\nT\nT\nT\nT\nT\nT\nT\nCR\nT\nT\nT\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\nN/A\n\nT\n\nN/A\n\nT\n\nN/A\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nN/A\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nN/A\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nN/A\n\nT\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nT\n\nT\n\nT\n\nN/A\n\nT\n\nN/A\n\nN/A\n"}
diff --git a/chunks/json/1bf429779527dc2df0f44613bef1e7356059265364cbb160a6b52df541ca50ea.json b/chunks/json/1bf429779527dc2df0f44613bef1e7356059265364cbb160a6b52df541ca50ea.json
new file mode 100644
index 0000000000000000000000000000000000000000..ab4198fc812671b2fbc539fdc3ccaf0799c5945a
--- /dev/null
+++ b/chunks/json/1bf429779527dc2df0f44613bef1e7356059265364cbb160a6b52df541ca50ea.json
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+{"chunk":{"char_end":922755,"char_start":921156,"chunk_id":"chk_c7c559c385303a80","chunk_index":548,"chunk_sha256":"1bf429779527dc2df0f44613bef1e7356059265364cbb160a6b52df541ca50ea","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1bf429779527dc2df0f44613bef1e7356059265364cbb160a6b52df541ca50ea","token_estimate":451,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Sale Price\nAdjustment Amount\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='RecreationFacilities']/@_Amount\n\nSALES\nCOMPARISON\nAPPROACH\n\nFloor Location\n\nSale Price\nAdjustment\nDescription\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='FloorLocation']/@_Description\n\n10\n\n20\n\n10\n\n20\n\n10\n\n20\n\n10\n\n20\n\n10\n\n20\n\nFormat\n\nMoney\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum of this field 3-66 and fields (3-60,\n3-62, 3-64, 3-68, 3-70, 3-72, 3-74, 3-76, 3-\n78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, 3-93,\n3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3-\n107, 3-109, 3-111) must add up to Net\nAdjustment field 3-116.\n\nString\n\nThis field should indicate the land rights appraised (e.g. Leasehold or Fee Simple).\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nMoney\n\nPDF Display Format:\nWhole dollars only.\n\nThe sum of this field 3-68 and fields (3-60,\n3-62, 3-64, 3-66, 3-70, 3-72, 3-74, 3-76, 3-\n78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, 3-93,\n3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3-\n107, 3-109, 3-111) must add up to Net\nAdjustment field 3-116.\n"}
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+{"chunk":{"char_end":847000,"char_start":845270,"chunk_id":"chk_27db09d81600e475","chunk_index":503,"chunk_sha256":"1c022d22cc5cb217474885998b45939f4155e7a917f45afeb34461b6ad149dc2","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1c022d22cc5cb217474885998b45939f4155e7a917f45afeb34461b6ad149dc2","token_estimate":433,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='P\nropertyCondition']/@_Comment\n\n4000\n\nString\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nNote: All text entered in this field, including overflow into the addendum, must be\ncaptured and included in the XML data point.\n\nUNIT\nIMPROVEMENTS\n\nAre there any physical deficiencies or\nadverse conditions that affect the\nlivability, soundness, or structural\nintegrity of the property?\nYes\n\nProperty Analysis\nExists Indicator\n\nIndicates that the aspect of analysis is\npresent in the property.\n\n/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='P\nhysicalDeficiency' and @_ExistsIndicator='Y']\n\n1\n\nBoolean\n\nOne and only one of fields 2-91, 2-92\n(Property Analysis Type =\n'PhysicalDeficiency' and values of Property\nAnalysis Exists Indicator) should be\nindicated.\n\nR\n\nR\n\nT\n\nT\n\nT\n\nT\n\nR\n\nR\n\nT\n\nForm FNM 1075 FRE 466\nAppendix B: GSE Appraisal Forms Mapping\n\nPage 148 of 211\n\nDocument Version 1.4\n\nSort ID\n\nForm\nPage\n\nForm\nReference\nNumber\n\nForm Section\n\nForm Field Label\n\nData Point Name\n\nData Point Definition\n\nXPath\n\nData Point Field\nLength\n\nFormat\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n295\n\n296\n\n297\n\n298\n\n299\n\n300\n\n301\n\n302\n\n303\n\n304\n\n305\n\n306\n\n307\n\n308\n\n309\n\n310\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n2\n\n92\n\n93\n\n94\n\n95\n\n96\n\n97\n\n98\n\n99\n\n100\n\n101\n\n102\n\n103\n\n104\n\n105\n\n106\n\n107\n\nUNIT\nIMPROVEMENTS\n\nUNIT\nIMPROVEMENTS\n\nAre there any physical deficiencies or\nadverse conditions that affect the\nlivability, soundness, or structural\nintegrity of the property?\nNo\n\nAre there any physical deficiencies or\nadverse conditions that affect the\nlivability, soundness, or structural\nintegrity of the property?\nIf Yes, describe\n"}
diff --git a/chunks/json/1c0e995092873d20432e5cf2f63ea93c229020eca804626c7c6d8c2e2a14cf59.json b/chunks/json/1c0e995092873d20432e5cf2f63ea93c229020eca804626c7c6d8c2e2a14cf59.json
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index 0000000000000000000000000000000000000000..c2f0cdfaf0e8e3ca0491d68597419c74dbc74853
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+++ b/chunks/json/1c0e995092873d20432e5cf2f63ea93c229020eca804626c7c6d8c2e2a14cf59.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":113854,"char_start":112436,"chunk_id":"chk_826c829e6383729b","chunk_index":113,"chunk_sha256":"1c0e995092873d20432e5cf2f63ea93c229020eca804626c7c6d8c2e2a14cf59","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"1c0e995092873d20432e5cf2f63ea93c229020eca804626c7c6d8c2e2a14cf59","token_estimate":406,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"“Exterior Quality and Condition” sets as TB-SCA_H2\n\n“Structure ID,” “Quality” set as TB-B, content sets TB-B\n\no “Exterior Walls and Trim,” “Foundation,” “Roof,” “Windows,” “[Other Exterior Feature]” set as\n\nTB-I\n\n•\n\n“Condition” sets as TB-B, content sets TB-B\n\no “Exterior Walls and Trim,” “Foundation,” “Roof,” “Windows,” “[Other Exterior Feature]” set as\n\nTB-I\n\n•\n\n•\n\n“Interior Quality and Condition” sets as TB-SCA_H2\n\n“Structure ID | Unit ID,” “Quality” set as TB-B, content sets TB-B\n\no “Kitchen,” “Overall Bathrooms,” “Overall Flooring,” “Walls and Ceiling,” “[Other Interior\n\nFeature]” set as TB-I\n\n•\n\n“Condition” sets as TB-B, content sets TB-B\n\nAppendix E: Report Style Guide\n\nPage 62 of 90\n\nVersion 1.4\n\no “Kitchen,” “Overall Bathrooms,” “Overall Flooring,” “Walls and Ceiling,” “[Other Interior\n\nFeature]” set as TB-I\n\n•\n\n•\n\n“ADU Interior Quality and Condition” sets as TB-SCA_H2\n\n“Location of ADU,” “Quality” set as TB-B, content sets TB-B\n\no “Kitchen,” “Overall Bathrooms,” “Overall Flooring,” “Walls and Ceiling,” “[Other Interior\n\nFeature]” set as TB-I\n\n•\n\n“Condition” sets as TB-B, content sets TB-B\n\no “Kitchen,” “Overall Bathrooms,” “Overall Flooring,” “Walls and Ceiling,” “[Other Interior\n\nFeature]” set as TB-I\n\nOverall Quality and Condition (Ratings: 1-6, 1 is highest)\n\n•\n\n•\n\n“Overall Quality and Condition (Ratings: 1-6, 1 is highest)” sets as\nTB-SCA_sub-H1\n\n“Quality” “Condition” sets as TB-B\n"}
diff --git a/chunks/json/1c10d48544756f35b83a4db721159bc8c01192f42ba505b0a665936a65cb038c.json b/chunks/json/1c10d48544756f35b83a4db721159bc8c01192f42ba505b0a665936a65cb038c.json
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+++ b/chunks/json/1c10d48544756f35b83a4db721159bc8c01192f42ba505b0a665936a65cb038c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":71105,"char_start":69273,"chunk_id":"chk_b5775022171f7321","chunk_index":39,"chunk_sha256":"1c10d48544756f35b83a4db721159bc8c01192f42ba505b0a665936a65cb038c","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"1c10d48544756f35b83a4db721159bc8c01192f42ba505b0a665936a65cb038c","token_estimate":458,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Origin of Information\n(Section)\n\nDefinition / Additional Guidance\n\nSummary\n\n1.000\n\nN/A\n\nAlways displays\n\nSubject Property\n•\n\nProperty Address\n3.000\n\nProperty Address: Physical address of the property\nbeing appraised.\n\nFree-form, in format\nthat conforms to\naddress standards in\nUSPS Publication 28,\nPostal Addressing\nStandards\n\n1.001\n\nOpinion of\nMarket Value\n\nAlways displays\n\nDollar amount\n\n1.085\n\n(Cooperative\nInterest)\n\nN/A\n\nDisplays next to\nOpinion of Market\nValue when the\nproperty is in a\ncooperative or\ncondop\n\nReconciliation\n•\n\nOpinion of\nMarket Value\n26.007\n\nReconciliation\n•\n\n(Cooperative\nInterest) 26.074\n\nMarket value as defined in the report.\n\n1.009 Market Value\n\nAlways displays\n\nCondition\n\nDisplays one or more\nallowable answers\nfrom the Definition /\nAdditional Guidance\ncolumn\n\nReconciliation\n• Market Value\n\nCondition 26.009\n\n•\n•\n•\n•\n\nAs Is\nSubject to Completion Per Plans\nSubject to Inspection\nSubject to Repair\n\nAppendix F-1: URAR Reference Guide\n\nPage 25 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n01 Summary\n\nReport Label\n\nWhen Displayed in\nSummary Section\n\nAllowable Answers /\nFormat\n\nOrigin of Information\n(Section)\n\nDefinition / Additional Guidance\n\nSummary\n\nReport\nField ID\n\n1.002\n\nFinal Value\nCondition\nStatement\n\nN/A\n\nDisplays when\nMarket Value\nCondition is not As\nIs\n\n1.003\n\nEffective Date of\nAppraisal\n\nAlways displays\n\nmm/dd/yyyy\n\nReconciliation\n•\n\nFinal Value\nCondition\nStatement\n26.013\n\nReconciliation\n•\n\nEffective Date of\nAppraisal 26.011\n\nVariations of this sentence display based on the value\ncondition(s) provided in Market Value Condition.\n\nThe date to which the appraiser’s analyses, opinions,\nand conclusions apply; also referred to as date of\nvalue. Reference published guidelines by the GSEs,\ngovernment agencies, or other identified secondary\nmarket participants for specific guidance.\n"}
diff --git a/chunks/json/1c10d6e66bef62819ec9333f433dfc5dcfe1924d1b162a065e18265cbc28293a.json b/chunks/json/1c10d6e66bef62819ec9333f433dfc5dcfe1924d1b162a065e18265cbc28293a.json
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--- /dev/null
+++ b/chunks/json/1c10d6e66bef62819ec9333f433dfc5dcfe1924d1b162a065e18265cbc28293a.json
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+{"chunk":{"char_end":3272,"char_start":1637,"chunk_id":"chk_79dcaa042f1089f6","chunk_index":1,"chunk_sha256":"1c10d6e66bef62819ec9333f433dfc5dcfe1924d1b162a065e18265cbc28293a","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5c0b0ee89f21d117","text_sha256":"1c10d6e66bef62819ec9333f433dfc5dcfe1924d1b162a065e18265cbc28293a","token_estimate":408,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004_70.pdf"]},"text":"Date of Contract 45\n\n47\n\n50\n\n46\n\n49\n\nNote: Race and the racial composition of the neighborhood are not appraisal factors.\n\nOne-Unit Housing Trends\n\nPresent Land Use %\n\nNeighborhood Characteristics\nLocation Urban\n52\n Over 75%\nBuilt-Up\n55\n Rapid\nGrowth\n58\nNeighborhood Boundaries 82\n\nSuburban\n53\n 25–75%\n56\n Stable\n59\n\nRural\nProperty Values Increasing\n54\n Under 25% Demand/Supply Shortage\n57\n Slow\nMarketing Time\n60\n\n64\n Under 3 mths 3–6 mths\n67\n\nDeclining\n Stable\n63\n62\n In Balance Over Supply\n65\n66\n Over 6 mths\n68\n69\n\n61\n\nOne-Unit Housing\nAGE\nPRICE\n$ (000)\n(yrs)\n70 Low 73 Multi-Family\nCommercial\n71 High 74\nOther\n72 Pred. 75\n\nOne-Unit\n2-4 Unit\n\n76 %\n77 %\n78 %\n79 %\n81 %\n\nNeighborhood Description 83\n\nMarket Conditions (including support for the above conclusions) 84\n\nDimensions 85\nSpecific Zoning Classification 89\nZoning Compliance Legal Legal Nonconforming (Grandfathered Use) No Zoning Illegal (describe) 95\n93\n92\nIs the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use? Yes No If No, describe 98\n\nArea 86\nZoning Description 90\n\nView e-5; e-6; e-7\n\nShape 87\n\n96\n\n91\n\n94\n\n97\n\n99\n\n102\n\n101\n 100\n 104\n 103\n\nPublic Other (describe)\n\nUtilities\nWater\nElectricity\nSanitary Sewer\nGas\nFEMA Special Flood Hazard Area Yes No FEMA Flood Zone\n117\nAre the utilities and off-site improvements typical for the market area? Yes No If No, describe 124\n123\nAre there any adverse site conditions or external factors (easements, encroachments, environmental conditions, land uses, etc.)? Yes No If Yes, describe\n127\n\nPublic Other (describe)\n 107\n 106\n 110\n 109\nFEMA Map # 120\n"}
diff --git a/chunks/json/1c1b8d510ae557439191aab8d67125c9d9383ed2bf1172acf7b64b2223d673b5.json b/chunks/json/1c1b8d510ae557439191aab8d67125c9d9383ed2bf1172acf7b64b2223d673b5.json
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index 0000000000000000000000000000000000000000..33cb6c9f43ea8a5b802adc807ce93dd6e5a70d02
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+++ b/chunks/json/1c1b8d510ae557439191aab8d67125c9d9383ed2bf1172acf7b64b2223d673b5.json
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+{"chunk":{"char_end":1179344,"char_start":1177746,"chunk_id":"chk_e6a870f25d66590f","chunk_index":700,"chunk_sha256":"1c1b8d510ae557439191aab8d67125c9d9383ed2bf1172acf7b64b2223d673b5","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1c1b8d510ae557439191aab8d67125c9d9383ed2bf1172acf7b64b2223d673b5","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"19\n\nEnumerated\n\n302\n\n2\n\ne-7\n\nSALES\nCOMPARISON\nAPPROACH\n\nView\n\n(View Type Other Description)\n\nGSE View Type\nOther Description\n\nThe type of view associated with the\nproperty if other is selected.\n\n303\n\n304\n\n305\n\n2\n\n2\n\n2\n\n65\n\n66\n\n67\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nSALES\nCOMPARISON\nAPPROACH\n\nView Adjustment\n\nSale Price\nAdjustment Amount\n\nDesign (Style)\n\nSale Price\nAdjustment\nDescription\n\nDesign (Style) Adjustment\n\nSale Price\nAdjustment Amount\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM\nPARISON_VIEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETA\nIL_EXTENSION_SECTION[@ExtensionSectionOrganizationName='UNIF\nORM APPRAISAL\nDATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_\nDATA/COMPARISON_VIEW_DETAIL[@GSEViewType='Other']/@GSE\nViewTypeOtherDescription\n\n20\n\nString\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SAL\nE_PRICE_ADJUSTMENT[@_Type='View']/@_Amount\n\n10\n\nMoney\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SAL\nE_PRICE_ADJUSTMENT[@_Type='DesignStyle']/@_Description\n"}
diff --git a/chunks/json/1c4556455d3e6186aa215f664e24719071478267741e1116c46330771d04b50b.json b/chunks/json/1c4556455d3e6186aa215f664e24719071478267741e1116c46330771d04b50b.json
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--- /dev/null
+++ b/chunks/json/1c4556455d3e6186aa215f664e24719071478267741e1116c46330771d04b50b.json
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+{"chunk":{"char_end":1599,"char_start":0,"chunk_id":"chk_5ca30c916b7a0c23","chunk_index":0,"chunk_sha256":"1c4556455d3e6186aa215f664e24719071478267741e1116c46330771d04b50b","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_5a40ad32f513b121","text_sha256":"1c4556455d3e6186aa215f664e24719071478267741e1116c46330771d04b50b","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF2_Appraisal/_.xml/SF2_Appraisal_v1.3.xml"]},"text":"AssessorRecord\n\nMLS\n\nPhysicalMeasurement\n\nPropertyManagementCompany\n\nXXXXX\n\nMLS\n\nThis Area MLS\n\n1234 Anywhere Pl\n\nAnywhere\n\nRiver\n\n20854\n\nMD\n\n648\n\nBuiltIn\n\nGarage\n\n2\n\nfalse\n\nNone\n\nfalse\n\nfalse\n\nfalse\n\nNone\n\nNone\n\n284\n\nMonthly\n\nAssociationDues\n\nNone\n\nAssociationSpecialAssessment\n\nNone\n\nfalse\n\ntrue\n\ntrue\n\nDwelling\n\nfalse\n\n2016\n\nfalse\n\nNone\n\nCarpet\n\nMaterials have minimal depreciation and appear to be well-maintained.\n\nTypicalWearAndTear\n\nHigh grade wool\n\nCeramicTile\n\nMaterials have minimal depreciation and appear to be well-maintained.\n\nTypicalWearAndTear\n\nHardwood\n\nMaterials have minimal depreciation and appear to be well-maintained.\n\nTypicalWearAndTear\n\nHardwood includes Brazilian Cherry\n\nMarble\n\nMaterials have minimal depreciation and appear to be well-maintained.\n\nTypicalWearAndTear\n\nFlooring\n\nNotUpdated\n\nMaterials have minimal depreciation and appear to be well-maintained.\n\nTypicalWearAndTear\n\nWallsAndCeiling\n\nEightFeet\n\nNineFeet\n\nTenFeetAndAbove\n\nFlat\n\nVaulted\n\nInteriorAndExteriorAccess\n\nWalkOut\n\nPartiallyBelowGrade\n\n720\n\nBelowGradeOne\n\n72\n\nAboveGrade\n\n1248\n\nLevelOne\n\n0\n\nAboveGrade\n\n1224\n\nLevelTwo\n\n0\n\nAboveGrade\n\n836\n\nLevelThree\n\n0\n\n0\n\n72\n\n0\n\n0\n\n3308\n\n720\n\nfalse\n\n5\n\n4\n\n1\n\nC3\n\nQ2\n\n4\n\nNotUpdated\n\nSimilar\n\nfalse\n\nVacant\n\nSubject features vaulted ceiling on the third level and extensive trim throughout second level. The subject is a 3 year old structure, all interior items are original therefore the overall status is considered not updated.\n\n\\\\Images\\SF2_Den.png\n\nimage/png\n\nBelowGradeOne\n\nDen\n\nBelowGradeOne\n\nBedroom\n\nBath 1\n\n\\\\Images\\SF2_Bath1.png\n\nimage/png\n\nBelowGradeOne\n"}
diff --git a/chunks/json/1c465d3533370eba72b61009c98637f5fc140335300e55d7a86ad6580d483300.json b/chunks/json/1c465d3533370eba72b61009c98637f5fc140335300e55d7a86ad6580d483300.json
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+++ b/chunks/json/1c465d3533370eba72b61009c98637f5fc140335300e55d7a86ad6580d483300.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1626,"char_start":0,"chunk_id":"chk_988c8ffbca18479c","chunk_index":0,"chunk_sha256":"1c465d3533370eba72b61009c98637f5fc140335300e55d7a86ad6580d483300","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"1c465d3533370eba72b61009c98637f5fc140335300e55d7a86ad6580d483300","token_estimate":406,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Fannie Mae and Freddie Mac\n\nMISMO® V3.0 and the Uniform Loan\nDelivery Data Specification:\n\nUser Guide\n\nDocument Version 1.1\n\nRevised Version: March 29, 2011\n\n©2011 Fannie Mae and Freddie Mac. All rights reserved.\n\nDocument Updates\nMISMO® V3.0 and the Uniform Loan Delivery Data Specification: User Guide (User Guide) is\npublished by government-sponsored enterprises Fannie Mae and Freddie Mac (the GSEs) in\nconnection with the Uniform Mortgage Data Program, which is undertaken by the GSEs at the\ndirection of their regulator, the Federal Housing Finance Agency (FHFA). Updates to this User\nGuide and to other development and implementation documentation associated with the UMDP\nare at the following Web sites:\n\nFor more information about Fannie Mae’s\nsingle-family mortgage business solutions and\ndoing business with us, visit eFannieMae.com.\n\nFannie Mae provides the latest single-family\nmortgage business news via e-mail. To receive\nnotification of future document updates, sign up\nfor Fannie Mae’s single-family alerts at\nhttps://www.efanniemae.com/lc/newsletters/.\n\nFor recent news and communications\nrelating to Freddie Mac’s Single-Family\nbusiness, visit our Single-Family News\nCenter at\nwww.FreddieMac.com/singlefamily/news/\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage ii of 76\n\nDocument Version and Revision History\n\nTable i. Document and Revision Updates.\n\nDate\n\nVersion Number Description\n\nJanuary 26, 2011\n\nMarch 29, 2011\n\n1.0\n\n1.1\n\nInitial version\n\nMinor formatting revisions; updates to\nindex.\n"}
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+{"chunk":{"char_end":15247,"char_start":13634,"chunk_id":"chk_a250b5093ff43983","chunk_index":8,"chunk_sha256":"1c46eb32e9f7c78d6cab482a77363f6df233269ee1d2e37cb9e53aa2713fbeca","date_utc":"2026-01-27T18:32:47+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8d14ca1837b76af4","text_sha256":"1c46eb32e9f7c78d6cab482a77363f6df233269ee1d2e37cb9e53aa2713fbeca","token_estimate":403,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Coop1_Appraisal/_.pdf/Coop1_Appraisal_v1.3.pdf"]},"text":"Check #A\n\nSearch Result Metrics\n\nActive Listings\n\nMedian Days on Market\nLowest List Price\nMedian List Price\nHighest List Price\n\nPending Sales\n\n5\n30\n$460,000\n$580,000\n$675,000\n0\n\nSales in Past 12 Months\n\nLowest Sale Price\nMedian Sale Price\nHighest Sale Price\n\nDistressed Market Competition\nGraph\nPrice Trend Source\n\n15\n$360,000\n$448,500\n$699,000\nNo\nPrice Trend\nBig Data Price Trends, Inc.\n\nPrice Trend Analysis Commentary A price trend analysis of the MLS data for the past year for 1-2 bedroom co-ops in this market area is\nstable with no discernible movement in prices, exhibiting economic equilibrium.\n\nHousing Trends\n\nDemand/Supply\n\nIn Balance\n\nMarketing Time\n\nUnder 3 months\n\nAppraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 9 of 18\nPage 9 of 18\n\nMarket (continued)\n\nMarket Exhibits\n\nPrice Trend\n\nThis is where the Price Trend graph would display.\n\nProject Information\n\nPlanned Unit Development (PUD) \n\nCondominium \n\nCooperative \n\nCondop \n\nProject Name\nProject Information Data Source Property Management\n\nXYZ Apartments\n\nProject Completeness\n\nTotal Units\nUnits Sold\nUnits for Sale\nUnits Rented\n\nCompany\n126\n120\n1\n5\n\nMandatory Fees (HOA, PUD, or Co-op)\n\nMonthly Amount\nCommon Amenities/\nServices Included\n\nUtilities Included\n\n$2,631\n\nInground Pool\nTheater\nElectricity\nGas\nSanitary Sewer\nWater\n\nObserved Deficiencies\n\nYes No\n \n\nAre units, common areas, and amenities in project\ncomplete?\nSubject Property Building Complete\nConverted in Past 3 Years\n\nGround Rent\n\nAnnual Amount\nExpires\n"}
diff --git a/chunks/json/1c56d139967d97362f8d424cbd46947962023ac4d2349d5a2596471376824e4d.json b/chunks/json/1c56d139967d97362f8d424cbd46947962023ac4d2349d5a2596471376824e4d.json
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+++ b/chunks/json/1c56d139967d97362f8d424cbd46947962023ac4d2349d5a2596471376824e4d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":433041,"char_start":430970,"chunk_id":"chk_e7893a7206ff7e9d","chunk_index":241,"chunk_sha256":"1c56d139967d97362f8d424cbd46947962023ac4d2349d5a2596471376824e4d","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"1c56d139967d97362f8d424cbd46947962023ac4d2349d5a2596471376824e4d","token_estimate":518,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"HomeStyle Renovation mortgages are eligible for enforcement relief of underwriting and eligibility representations and\nwarranties as described in Selling Guide A2-3.2-02, Enforcement Relief for Breaches of Certain Representations and Warranties\nRelated to Underwriting and Eligibility. To be eligible for relief, the renovation must be complete and recourse removed.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 175 of 166\n\nUAD 3.6 Policy\n\nSB5-3.2-05, HomeStyle Renovation Mortgages: Completion Report\n(06/04/2025)\n\nIntroduction\n\nThis topic contains information on the HomeStyle Renovation mortgage including:\n\n• Completion Report\n•\n\nTitle and Insurance Updates\n\nCompletion Report\n\nFollowing completion of the renovation work, the lender must obtain a Completion Report stating the renovation was completed\nin accordance with the submitted plans and specifications. The Completion Report must confirm all “subject to” items listed on\nthe appraisal report were completed. If deviations have been made to the initial plans, the appraiser must note any changes in\nthe Completion Report Commentary. If the value has been impacted, the lender must follow the policy in Unplanned Changes in\nScope or Incomplete Work in Selling Guide B5-3.2-03, HomeStyle Renovation Mortgages: Collateral Considerations. The lender\nmust also obtain a certificate of occupancy upon completion of renovation if it is required by local authorities for the type of\nrenovation work that was completed.\n\nTitle and Insurance Updates\n\nConcurrent with the last disbursement of funds, the lender must obtain a title update through the date the renovation was\ncompleted to ensure the continuance of Fannie Mae’s first lien priority and the absence of any mechanic's or materialmen’s liens.\nWhen the property is located in a state in which contractor’s, subcontractor’s, or materialmen’s liens have priority over mortgage\nliens, the lender must obtain all necessary lien releases or take any other action that may be required to ensure title to the\nproperty is clear of all liens and encumbrances.\n"}
diff --git a/chunks/json/1c5e5184a627a133498d6e59dc4726cb482aed9012a767dd18c1c3e36556b971.json b/chunks/json/1c5e5184a627a133498d6e59dc4726cb482aed9012a767dd18c1c3e36556b971.json
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+++ b/chunks/json/1c5e5184a627a133498d6e59dc4726cb482aed9012a767dd18c1c3e36556b971.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":457737,"char_start":456134,"chunk_id":"chk_7f28734604254362","chunk_index":271,"chunk_sha256":"1c5e5184a627a133498d6e59dc4726cb482aed9012a767dd18c1c3e36556b971","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"1c5e5184a627a133498d6e59dc4726cb482aed9012a767dd18c1c3e36556b971","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"When to Include\n\nRequired if the\nproperty is in a\ncooperative or condop\n\nAllowable\nAnswers / Format\n\nNumber\n\nDefinition / Additional Guidance\n\nGreatest Number of Shares Owned: The greatest number of shares owned by a\nsingle entity in the cooperative project.\n\nRequired if the\nproperty is in a\ncooperative or condop\n\nAdverse,\nBeneficial, or\nNeutral\n\nRequired if Impact is\nAdverse or Beneficial,\nor as needed\n\nFree-form\n\nWhen Adverse or Beneficial, describe the impact to value and / or\nmarketability. Additional commentary may be provided to include details and\nother information. If there are multiple individuals or entities that own a\nsignificant number of shares which impacts marketability within the project,\ndescribe here.\n\nNote: For further expansion of commentary, use Project Factors Commentary\n(18.094).\n\nReport\nField ID\n\n18.068\n\n18.078\n\n18.088\n\nSingle Entity\nOwnership of\nMultiple Shares\n(Detail)\n\nSingle Entity\nOwnership of\nMultiple Shares\n(Impact)\n\nSingle Entity\nOwnership of\nMultiple Shares\n(Comment)\n\nAppendix F-1: URAR Reference Guide\n\nPage 194 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n18 Project Information\n\nCommercial Space\n\nThe Commercial Space row displays in the Project Factors table if the property is in a condominium, cooperative,\nor condop, and addresses commercial space in project buildings.\n• When Site Owned in Common (3.015) is Yes, non-residential use such as Live / Work space in the living unit\n\nis reported in the Unit Interior section (10.026-10.028).\n\n• When Site Owned in Common is No, non-residential uses are reported in the Site section (4.015-4.019 and\n"}
diff --git a/chunks/json/1c6e82406f388642f85dd5c483b1d617b8c346801c971216a31afc365ca9598e.json b/chunks/json/1c6e82406f388642f85dd5c483b1d617b8c346801c971216a31afc365ca9598e.json
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+++ b/chunks/json/1c6e82406f388642f85dd5c483b1d617b8c346801c971216a31afc365ca9598e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":29433,"char_start":27724,"chunk_id":"chk_61abeaaece2091a3","chunk_index":20,"chunk_sha256":"1c6e82406f388642f85dd5c483b1d617b8c346801c971216a31afc365ca9598e","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6fb273234d375c90","text_sha256":"1c6e82406f388642f85dd5c483b1d617b8c346801c971216a31afc365ca9598e","token_estimate":428,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-numbered-closing-disclosure.pdf"]},"text":" does not have a demand feature.\n\n17.3 Late Payment\nIf your payment is more than n days late, your lender will charge a\nlate fee of $ OR % of the indicated amount.\n\n17.4 Negative Amortization (Increase in Loan Amount)\nUnder your loan terms, you\n are scheduled to make monthly payments that do not pay all of\nthe interest due that month. As a result, your loan amount will\nincrease (negatively amortize), and your loan amount will likely\nbecome larger than your original loan amount. Increases in your\nloan amount lower the equity you have in this property.\n\n may have monthly payments that do not pay all of the interest\ndue that month. If you do, your loan amount will increase\n(negatively amortize), and, as a result, your loan amount may\nbecome larger than your original loan amount. Increases in your\nloan amount lower the equity you have in this property.\n\n do not have a negative amortization feature.\n\n17.5 Partial Payments\nYour lender\n may accept payments that are less than the full amount due\n\n(partial payments) and apply them to your loan.\n\n may hold them in a separate account until you pay the rest of\nthe payment, and then apply the full payment to your loan.\n\n does not accept any partial payments.\nIf this loan is sold, your new lender may have a different policy.\n\n17.6 Security Interest\nYou are granting a security interest in\nProperty Address\nYou may lose this property if you do not make your payments or\nsatisfy other obligations for this loan.\n\naccount) to pay the property costs listed below. Without an\nescrow account, you would pay them directly, possibly in one or\ntwo large payments a year. Your lender may be liable for penalties\nand interest for failing to make a payment.\n"}
diff --git a/chunks/json/1c75956d922ea8e7854853494b02811443d88f20523b00df8d939643585a1821.json b/chunks/json/1c75956d922ea8e7854853494b02811443d88f20523b00df8d939643585a1821.json
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index 0000000000000000000000000000000000000000..345ad1689e85ab95e4f279239076fdf88e7c3447
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+++ b/chunks/json/1c75956d922ea8e7854853494b02811443d88f20523b00df8d939643585a1821.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":5475,"char_start":4165,"chunk_id":"chk_8ca5054ad8b8c3ba","chunk_index":6,"chunk_sha256":"1c75956d922ea8e7854853494b02811443d88f20523b00df8d939643585a1821","date_utc":"2026-01-27T17:46:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7eca65366e02ac25","text_sha256":"1c75956d922ea8e7854853494b02811443d88f20523b00df8d939643585a1821","token_estimate":428,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/mapping-legacy-forms-redesigned-uniform-residential-appraisal-report-urar-property-type.pdf"]},"text":"Atypical Properties Mapping with Property Characteristics ............................................................................................................................................................................................................................................ 10\n\nRevision History\n\nDate\n\nVersion Number\n\nChange #\n\nRevision Description\n\n06/10/2025\n\n06/11/2024\n\n1.1\n\n1.0\n\n2025-057\n\nUpdated the Legacy Forms Mapping for Subject Site Owned in Common and Atypical properties to remove references\nto Detached Condo.\n\nInitial Publication\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the Federal Housing Finance Agency.\n©2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\n2\n\nIntroduction\n\nThis document highlights six of the new UAD data points that drive the property type for the redesigned Uniform Residential Appraisal Report (URAR). With the new URAR, the data that\ndescribes the subject property drives the appraisal report, not a form type/number.\n\nPurpose\n\nUse this document to:\n\n• Help understand how the URAR’s dynamic structure along with discrete and repeatable data replaces the legacy form numbers.\n• Assist with transitioning to the redesigned report.\n"}
diff --git a/chunks/json/1c7a2214ba571ea4b146d5a6cc4659af8827893e4ace70d09480592881bc35a8.json b/chunks/json/1c7a2214ba571ea4b146d5a6cc4659af8827893e4ace70d09480592881bc35a8.json
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+++ b/chunks/json/1c7a2214ba571ea4b146d5a6cc4659af8827893e4ace70d09480592881bc35a8.json
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+{"chunk":{"char_end":8730,"char_start":7060,"chunk_id":"chk_37dbfcb0576cad7c","chunk_index":4,"chunk_sha256":"1c7a2214ba571ea4b146d5a6cc4659af8827893e4ace70d09480592881bc35a8","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_803e35193cb4a939","text_sha256":"1c7a2214ba571ea4b146d5a6cc4659af8827893e4ace70d09480592881bc35a8","token_estimate":432,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Blogs___FHFA_0tygc.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n#### Search & Filter\n\nKeyword\n\nDate Range From:\n\nTo:\n\nType FHFA Insights\n\nFHFA Statistics Items per page 10 25 50\n\n## Search & Filter\n\nKeyword\n\nDate Range From:\n\nTo:\n\nType FHFA Insights\n\nFHFA Statistics Items per page 10 25 50\n\n# Blogs\n\n- FHFA Statistics\n\nJanuary 8, 2025\n\n## [The COVID-19 Pandemic Migration and Enterprise Acquisitions of Manufactured Home Loans](/blog/statistics/the-covid-19-pandemic-migration-and-enterprise-acquisitions-of-manufactured-home-loans)\n"}
diff --git a/chunks/json/1c7f639b93f088925e3412e3f0c936fbf502c01fc781d16d0bbaed62cb06ffe0.json b/chunks/json/1c7f639b93f088925e3412e3f0c936fbf502c01fc781d16d0bbaed62cb06ffe0.json
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+++ b/chunks/json/1c7f639b93f088925e3412e3f0c936fbf502c01fc781d16d0bbaed62cb06ffe0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":247024,"char_start":245259,"chunk_id":"chk_f73278c0b06ce5e6","chunk_index":138,"chunk_sha256":"1c7f639b93f088925e3412e3f0c936fbf502c01fc781d16d0bbaed62cb06ffe0","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"1c7f639b93f088925e3412e3f0c936fbf502c01fc781d16d0bbaed62cb06ffe0","token_estimate":442,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Comparable sales from within the same market area (including subdivision or project) as the subject property should be used\nwhen possible, and must be used in certain instances (see below). Sale activity within the immediate market area is the best\nindicator of value, as sales prices of comparable properties from the same location should reflect the same positive and negative\nlocation characteristics.\n\nFannie Mae does allow for the use of comparable sales located in competing market areas, as these may simply be the best\ncomparables available and the most appropriate for the appraiser’s analysis. If this situation arises, the appraiser must not\nexpand the market area boundaries just to encompass the comparables selected. The appraiser must indicate the comparables\nare from a competing market area and address any differences that exist. The appraiser must also provide an explanation as to\nwhy they used the specific comparable sales in the appraisal report and include a discussion of how the competing market area is\ncomparable to the subject's market area.\n\nIf a property is located in an area in which there is a shortage of truly comparable sales, either because of the nature of the\nproperty improvements or the relatively low number of sales transactions in the market area, the appraiser might need to use\nproperties that are not truly comparable to the subject property. In some situations, properties that are not truly comparable may\nsimply be the best available and the most appropriate for the appraiser’s analysis. The use of such sales is acceptable if the\nappraiser adequately documents the analysis and explains why they were used. (For additional information, see SB4-1.3-03,\nMarket Section of the Uniform Residential Appraisal Report.)\n"}
diff --git a/chunks/json/1c8468637fdc31c90193f731d63ae94107104d5f179e75f84c310100862070e0.json b/chunks/json/1c8468637fdc31c90193f731d63ae94107104d5f179e75f84c310100862070e0.json
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+{"chunk":{"char_end":51496,"char_start":49417,"chunk_id":"chk_b49a0811885e0449","chunk_index":34,"chunk_sha256":"1c8468637fdc31c90193f731d63ae94107104d5f179e75f84c310100862070e0","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"1c8468637fdc31c90193f731d63ae94107104d5f179e75f84c310100862070e0","token_estimate":520,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"Section 2: Financial Information – Assets and Liabilities\nThis section is used to provide information on the borrower’s assets, debts, and expenses that will be\nconsidered when qualifying the borrower for the loan. Regardless of how many times shared assets and\nliabilities may be listed on the redesigned Form 1003, when submitting shared assets and liabilities in the\nLoan Application Submission file they should only be submitted once.\n\n2a. Assets – Bank Accounts, Retirement, and Other Accounts You Have\n\nBorrowers that have liquid asset accounts will identify the type, the financial institution, the account number\nand indicate a cash or market value per account. The list provided in the redesigned Form 1003 should be\nused as a reference to help borrowers complete this section. DU will calculate the total based on the\ninformation provided on this table.\n\n2b. Other Assets and Credits You Have\n\nBorrowers can identify other non-account assets and credits such as earnest money, cash from the expected\nsale of an asset or real estate property, etc. DU will accept credit amounts as valid sources of borrower\nfunds to close a mortgage loan transaction (i.e., Lease Purchase Funds, Sweat Equity, Trade Equity from\nProperty Swap, etc.). DU will calculate the total based on the information provided on this table.\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n24\n\n2c. Liabilities – Credit Cards, Other Debts, and Leases that You Owe\n\nBorrowers with liabilities such as Installments loans, Leases (other than Real Estate), and Revolving\nAccounts (i.e., Credit Cards, Open 30-Day) will report outstanding balances in this section. If a liability\nwith an associated unpaid balance is reported, DU will expect to find information about the corresponding\ntype of account such as Creditor name, account number and monthly payment. DU has the ability to auto\npopulate liabilities from the credit report, which lenders can decide to accept or not. DU expects that\nliabilities with a zero balance, such as an Open 30-Day account paid monthly, to be reported.\n"}
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diff --git a/chunks/json/1caab6166ed1c1226e549532fd8583b886f70868080a31d079637fafa36faf2e.json b/chunks/json/1caab6166ed1c1226e549532fd8583b886f70868080a31d079637fafa36faf2e.json
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+{"chunk":{"char_end":6722,"char_start":4940,"chunk_id":"chk_97b2f6f87bac3ea7","chunk_index":3,"chunk_sha256":"1caab6166ed1c1226e549532fd8583b886f70868080a31d079637fafa36faf2e","date_utc":"2026-01-27T18:32:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea8821f518a2b7fc","text_sha256":"1caab6166ed1c1226e549532fd8583b886f70868080a31d079637fafa36faf2e","token_estimate":445,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 2-to 4-unit_Appraisal/_.pdf/2-to4-unit_Appraisal_v1.3.pdf"]},"text":"Certified General\n987654HI\nHI\n12/31/2021\n\nAssignment Information and Scope of Work Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSubject Property\n\nPhysical Address\n\nCounty\nNeighborhood Name\n\n12345 Holiday Hwy\nSurfside, HI 12345\nHawaii\nHawaiian Vista\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\nAttachment Type\nUnits Excluding ADUs\nAccessory Dwelling Units\nDwellings Containing Units\nSpecial Tax Assessments\n\nDetached\n2\n0\n2\nNo\n\nProperty Rights Appraised\n\nFee Simple\n\nAll Rights Included in Appraisal\n\nRights Not Included\n\nNo\nMineral Rights\n\nDescription of Rights Not Included All mineral rights are held by\nthe state of Hawaii.\n\nAppraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 3 of 29\nPage 3 of 29\n\nSubject Property (continued)\n\nLegal Description\n\nLot 4, Block 35, Hawaiian Vista\n\nSubject Property Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nSite\n\nTotal Site Size\n\n11,997 Sq. Ft.\n\nNumber of Parcels\n\n1\n\nAssessor Parcel Number (APN)\n3-1-5-067-055\n\nAPN Description\nLand with Dwelling\n\nParcel Size\n11,997 Sq. Ft.\n\nZoning\n\nCompliance\nClassification Code\nClassification Code Description\n\nImpact\n\nLegal Nonconforming\nA-1A\nAgricultural/Residential,\n1.00 Acre Minimum\nNeutral\n\nDescription of Zoning Compliance According to Hawaii\nPlanning and Zoning Office, the subject can be rebuilt if destroyed.\nNonconforming to zoning due to smaller lot size than currently\nallowed.\nProperty Use\n"}
diff --git a/chunks/json/1cabb3b83a4856d606d5fd5cd9379904e90ea8eed263e0b493ebabeb06293067.json b/chunks/json/1cabb3b83a4856d606d5fd5cd9379904e90ea8eed263e0b493ebabeb06293067.json
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+{"chunk":{"char_end":18553,"char_start":16848,"chunk_id":"chk_615dd8099f92041b","chunk_index":9,"chunk_sha256":"1cabb3b83a4856d606d5fd5cd9379904e90ea8eed263e0b493ebabeb06293067","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ce338e6ee1182ca6","text_sha256":"1cabb3b83a4856d606d5fd5cd9379904e90ea8eed263e0b493ebabeb06293067","token_estimate":427,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-implementation-guide.pdf"]},"text":"4.3. Appendix C: Fannie Mae XML Samples\n\nTo support the usage scenarios and illustrate how the loan delivery data is populated within the loan\ndelivery XML file, several XML file samples are provided. The XML samples reflect the data captured\nin usage scenarios applicable to Fannie Mae’s Loan Delivery application.\n\n4.4. Appendix D: Fannie Mae XML Data Reference (Excel version)\n\nAppendix D details the specific data points that support Fannie Mae’s unique business process and\npolicy requirements. This document is designed to provide a flexible format for viewing, sorting, and\nunderstanding the data points in Excel format. This provides sellers and vendors with the ability to\ndetermine the appropriate use of each data point as it applies to Fannie Mae’s Loan Delivery\napplication.\nThe Appendix D was created to enable an easy merge between the Fannie Mae and Freddie Mac\nBusiness Implementation Guide updates. Using the Sort ID column will assist sellers and vendors in\nreconciling the accuracy of the merge and any changes they make in their working versions of this\ndocument.\n\nAppendix D consists of the following columns:\n\nTable 3 - Column Names and Descriptions\n\nColumn Name\n\nColumn Name Description\n\nSort ID\n\nFNM Data Point Mandate\nDate\n\nFNM Revision Effective\nDate\n\nChange Description\n(Columns Updated)\n\nThis column lists the unique number assigned to the MISMO data\npoint, which provides the ability to sort and display the data in the\noriginal order.\n\nThis column lists the Fannie Mae mandate date for the data point.\nThe mandate date is the date on which the data point is required to\nbe delivered for all loans.\nThis column lists the Fannie Mae effective date for the data point\nrevision.\n"}
diff --git a/chunks/json/1cc5275dc94f72f84799a6a46cba8b0407410bd2250b5bf5628e8099078ea62b.json b/chunks/json/1cc5275dc94f72f84799a6a46cba8b0407410bd2250b5bf5628e8099078ea62b.json
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+{"chunk":{"char_end":600958,"char_start":599263,"chunk_id":"chk_b45ce9e79f3d0154","chunk_index":357,"chunk_sha256":"1cc5275dc94f72f84799a6a46cba8b0407410bd2250b5bf5628e8099078ea62b","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"1cc5275dc94f72f84799a6a46cba8b0407410bd2250b5bf5628e8099078ea62b","token_estimate":424,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Uniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport\nField ID\n\n22.11.02\n22.11.05\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: Overall Quality and Condition\n\nCondition\n\nAlways\n\nAlways required\n\nC1 to C6\n\nOverall Quality and\nCondition\n•\n\nOverall Condition\nRating 15.005\n\nYes\n22.11.06\n\nOverall Condition Rating: The overall condition rating of all dwellings on\nthe property.\n\nAny Condition adjustments made in this row include interior and exterior\ncondition.\n\nProperty Amenities\n\nThe Property Amenities subsection displays on the sales comparison grid when relevant to analysis and conclusions.\n\nProperty amenities are solely owned or restricted to use by the property owner, and do not include:\n• Project amenities that are owned and maintained by the HOA and subject to shared use\n\no\n\nIn the sales grid, these are reported in the Project Information subsection (22.02).\n\n• Site characteristics and view\n\no\n\nIn the sales grid, these are reported in the Site subsection (22.03).\n\n• Waterfront improvements, such as piers, docks, and bulkheads\n\no\n\nIn the sales grid, these are reported in the Water Frontage with Private Access subsection (22.04).\n\nAmenity Category groups similar amenities together for inclusion as individual line entries (rows) in the sales comparison grid.\n• Outdoor Accessories\n• Outdoor Living\n• Water Features\n• Whole Home\n• Miscellaneous\n\nNotes:\n• For the subject property, when an Amenity Category (row) is included in the sales comparison grid, all amenities in that category populate from\n"}
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diff --git a/chunks/json/1cceb01fd6c6e3f203f68f754f7f263139aa843ebc11a08cba98a29ca0d15eaf.json b/chunks/json/1cceb01fd6c6e3f203f68f754f7f263139aa843ebc11a08cba98a29ca0d15eaf.json
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+{"chunk":{"char_end":18687,"char_start":18204,"chunk_id":"chk_2b0d90c7bfd24f5a","chunk_index":20,"chunk_sha256":"1cceb01fd6c6e3f203f68f754f7f263139aa843ebc11a08cba98a29ca0d15eaf","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"1cceb01fd6c6e3f203f68f754f7f263139aa843ebc11a08cba98a29ca0d15eaf","token_estimate":454,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Unit Interior ................................................................................................................................................................................................................................ 58\n\nOutbuilding ................................................................................................................................................................................................................................. 59\n"}
diff --git a/chunks/json/1ccf1a6d2f5afbcb9dcba891482e56af8f522974e3e6a1c1a08fa7c91cf8fe73.json b/chunks/json/1ccf1a6d2f5afbcb9dcba891482e56af8f522974e3e6a1c1a08fa7c91cf8fe73.json
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+{"chunk":{"char_end":15029,"char_start":13368,"chunk_id":"chk_846be83148b7723a","chunk_index":8,"chunk_sha256":"1ccf1a6d2f5afbcb9dcba891482e56af8f522974e3e6a1c1a08fa7c91cf8fe73","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"1ccf1a6d2f5afbcb9dcba891482e56af8f522974e3e6a1c1a08fa7c91cf8fe73","token_estimate":415,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"Area Data Source\nBelow Grade Finish Compared\nto Above\n\nADU\n\nLegally Rentable\nData Source\nTypical for Market\nIngress/Egress\nSeparate Postal Address\n\nLevel and Room Detail\n\nLevel in Unit\n\nGrade Level Detail\n\nFinish\n\nArea\n\nRoom Summary\n\nQuality and Condition\n\nInterior Quality Rating\n\nInterior Condition Rating\n\nThe tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report\n\nKitchen and Bathroom Details\n\nRoom\n\nUpdate Status\n\nTime Frame\n\nQuality Comment\n\nCondition Status\n\nCondition Comment\n\nOverall Update Status for\nBathrooms\n\nInterior Features\n\nFeature\n\nDetail\n\nQuality Comment\n\nCondition Status\n\nCondition Comment\n\nOverall Update Status for\nFlooring\n\nAccessibility Features for Individuals with Disabilities\n\nFeature\n\nComment\n\nApparent Defects, Damages, Deficiencies (Unit Interior - [Outbuilding Type] - [Structure Identifier] - [Unit Identifier])\n\nThe items listed below represent the As Is condition as of the effective date of this report\n\nFeature\n\nLocation\n\nDescription\n\nAffects Soundness or\nStructural Integrity\n\nRecommended\nAction\n\nUnit Interior Commentary\n\nUnit Interior Exhibits\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nFunctional Obsolescence\n\nFunctional Issues\n\nFunctional Obsolescence Commentary\n\nFunctional Obsolescence Exhibits\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n"}
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+{"chunk":{"char_end":48282,"char_start":47887,"chunk_id":"chk_891530d26cf70a91","chunk_index":27,"chunk_sha256":"1cd247bf189605f22fbff353f4c98ce380b6e6db76ae3d2690aa4e01712e4558","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3c733ad8fc557aa7","text_sha256":"1cd247bf189605f22fbff353f4c98ce380b6e6db76ae3d2690aa4e01712e4558","token_estimate":99,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 Condo1_Appraisal/_.pdf/Condo1_Appraisal_v1.3.pdf","below_target_min_tokens"]},"text":"Description of Prior Services: Performed an appraisal for refinance purposes in 2017.\n\nSignature\n\nAppraiser\nBill Smith\nBill Smith\n\n09/08/2019\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nCertified Residential\n319721784\nCA\n09/01/2021\n\nAppraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n"}
diff --git a/chunks/json/1cd56c1e34a8e17c2729ef148e16e3c3a28656f4d01f17c97185c40a9bb06331.json b/chunks/json/1cd56c1e34a8e17c2729ef148e16e3c3a28656f4d01f17c97185c40a9bb06331.json
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index 0000000000000000000000000000000000000000..456eb968984d8687c14badf4f349728c9ad15373
--- /dev/null
+++ b/chunks/json/1cd56c1e34a8e17c2729ef148e16e3c3a28656f4d01f17c97185c40a9bb06331.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":10554,"char_start":8948,"chunk_id":"chk_c5c7545d425ae28e","chunk_index":5,"chunk_sha256":"1cd56c1e34a8e17c2729ef148e16e3c3a28656f4d01f17c97185c40a9bb06331","date_utc":"2026-01-27T18:10:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_4d5b089ee0719084","text_sha256":"1cd56c1e34a8e17c2729ef148e16e3c3a28656f4d01f17c97185c40a9bb06331","token_estimate":402,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/FHFA_Mortgage_Loan_and_Natural_Disaster_Dashboard__y11qak.md"]},"text":"## **Data**\n\nThis dashboard combines three data sources. The first, FHFA’s Public Use Database (PUDB), reports single-family and multifamily acquisitions for Fannie Mae and Freddie Mac (the Enterprises), and the Federal Home Loan Banks (FHLBanks). The single-family dataset contains loan-level data on the number of loans and acquisition unpaid principal balance (UPB). The multifamily dataset contains property-level data on the number of properties and acquisition UPB. The FHLBank dataset contains loan counts and acquisition UPB for single-family loans acquired by the FHLBanks. The smallest geographic area available is the 2020 census tract. The dashboard uses the most recent PUDB release from 2022.\n\nThe second source is the Federal Emergency Management Agency’s (FEMA) National Risk Index (NRI). The NRI is a dataset and tool that maps 18 different natural hazards at the 2020 census-tract level.[[1]](#ftn1) The 18 hazards include coastal flooding, drought, hurricane, and wildfire, among others. The NRI also includes measures of social vulnerability and community resilience. These measures provide information about a community’s susceptibility to natural hazards as well as its ability to recover. The dashboard uses the most recent data from March 2023.\n\nThe third source is FHFA’s Duty to Serve 2023 high-needs rural areas counties data. High-needs rural areas include regions that are in a “rural area” and Middle Appalachia, the Lower Mississippi Delta, a colonia census tract, and tracts located in a persistent poverty county and not in one of the previous three categories.[[2]](#ftn2)\n"}
diff --git a/chunks/json/1ce0073ee20c06b36ca47a07a2f859fcafc580f38f8c3e2de97d7353f241d195.json b/chunks/json/1ce0073ee20c06b36ca47a07a2f859fcafc580f38f8c3e2de97d7353f241d195.json
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index 0000000000000000000000000000000000000000..1c707fd1ae77cfa7ec21357d7d607f405c1aa0d7
--- /dev/null
+++ b/chunks/json/1ce0073ee20c06b36ca47a07a2f859fcafc580f38f8c3e2de97d7353f241d195.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1682,"char_start":0,"chunk_id":"chk_e09f4a3a21eb64b0","chunk_index":0,"chunk_sha256":"1ce0073ee20c06b36ca47a07a2f859fcafc580f38f8c3e2de97d7353f241d195","date_utc":"2026-01-27T18:29:50+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a94536bb42f76932","text_sha256":"1ce0073ee20c06b36ca47a07a2f859fcafc580f38f8c3e2de97d7353f241d195","token_estimate":421,"warnings":["source_path=Appendix-D-3 Completion Report Sample Scenarios and XML Files/Appendix D-3 CR2_CompletionReport/_.pdf/CR2_CompletionReport_v1.3.pdf"]},"text":"Uniform Appraisal Dataset (UAD) Specification\n\nIssued by Fannie Mae and Freddie Mac\nAppendix D-3: Completion Report Scenario – Per Plans and Specs (CR2)\nDocument Version 1.3\nJune 10, 2025\n\nThis document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the\nFederal Housing Finance Agency.\n© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.\n\nRevision History\n\nDate\n\nVersion #\n\n06/10/2025\n\n09/17/2024\n\n12/12/2023\n\n1.3\n\n1.2\n\n1.1\n\nRevision Description\nSee Appendix D-3: Completion Report Sample Scenario Matrix for complete\nlist of updates.\nSee Appendix D-3: Completion Report Sample Scenario Matrix for complete\nlist of updates.\nSee Appendix D-3: Completion Report Sample Scenario Matrix for complete\nlist of updates.\n\n03/29/2023\n\n1.0\n\nInitial Publication\n\nIntroduction\n\nThis appraisal was made subject to completion per plans and specs of a proposed barn having been\ncompleted. The subject was re-inspected after the barn was complete. The re-inspection reported a 20’\nx 12’ door was installed where the original plans called for a 12’ x 8’ door. The change in dimension of\nthe door was determined to have no measurable impact on the utility or marketability of the barn or\nproperty.\n\nKey Characteristics\n\n• Construction was completed in a manner that was inconsistent with the original plans and\n\nspecifications.\n\n• Appraiser commented that the inconsistency had no measurable impact on the marketability of the\n\nproperty.\n\n• Original floorplan of the barn was provided for reference.\n• Photo of the inconsistent item was provided in addition to the photo of the completed construction.\n"}
diff --git a/chunks/json/1ce8b5b22f252fdc9b553c5273ebd49041b13e993a46f7c05d05ef72be7d2afa.json b/chunks/json/1ce8b5b22f252fdc9b553c5273ebd49041b13e993a46f7c05d05ef72be7d2afa.json
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index 0000000000000000000000000000000000000000..4be93c6d7f20f4fece647a11f6742e75ea7f989d
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+++ b/chunks/json/1ce8b5b22f252fdc9b553c5273ebd49041b13e993a46f7c05d05ef72be7d2afa.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1726,"char_start":0,"chunk_id":"chk_0a6c0865b29f45e6","chunk_index":0,"chunk_sha256":"1ce8b5b22f252fdc9b553c5273ebd49041b13e993a46f7c05d05ef72be7d2afa","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_098d490ea3341c33","text_sha256":"1ce8b5b22f252fdc9b553c5273ebd49041b13e993a46f7c05d05ef72be7d2afa","token_estimate":525,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Mortgage_Translations___FHFA_vcix9l.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/mortgage-translations\"\ndate_accessed: \"2026-01-27T17:47:50.484Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/1cea24eaa49e76a66d2c60243f8b94c623cd9c1883c6f315a98bf42ace93daa4.json b/chunks/json/1cea24eaa49e76a66d2c60243f8b94c623cd9c1883c6f315a98bf42ace93daa4.json
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index 0000000000000000000000000000000000000000..bf2ccdacdc31f1ecd5fa9a10a32880eaff3d316a
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+++ b/chunks/json/1cea24eaa49e76a66d2c60243f8b94c623cd9c1883c6f315a98bf42ace93daa4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":270833,"char_start":269121,"chunk_id":"chk_ee691f2876d65745","chunk_index":159,"chunk_sha256":"1cea24eaa49e76a66d2c60243f8b94c623cd9c1883c6f315a98bf42ace93daa4","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"1cea24eaa49e76a66d2c60243f8b94c623cd9c1883c6f315a98bf42ace93daa4","token_estimate":428,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Other (Describe)\n\nAppendix F-1: URAR Reference Guide\n\nPage 112 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n08 Dwelling Exterior\n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior)\n\nThe appraiser must report any significant items pertaining to the dwelling exterior, mechanical systems, or\nnoncontinuous finished area, and must associate any defect, damage, or deficiency with the most appropriate\nsection. These defects, damages, and deficiencies are items that:\n• Rise to the level of recommending repair, replacement, or inspection by an individual with expertise in the\n\nindustry, or\n\n• Negatively affect the integrity / composition of the site itself, or\n• Negatively affect the soundness or structural integrity of the improvements to the site, or\n• Measurably impact the marketability or value of the property, or\n• Require completion\n\nExample:\n\nAny other items that do not require repair, replacement, inspection, or completion may also be reported using\nthe Recommended Action of None.\n\nReference the appropriate government agency appraisal guidelines for specific requirements.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nApparent Defects, Damages, Deficiencies (Dwelling Exterior)\n\n8.054\n\n8.055\n\nN/A\n\nN/A\n\n8.055\n\nN/A\n\nDisplay only\n\nN/A\n\nIf applicable, Structure Identifier redisplays from 8.000.\n\nAlways required\n\nYes |No\n\nDisplays when\nDwelling Exterior\nDefects Exist is Yes\n\nN/A\n\nDwelling Exterior Defects Exist: Indicates whether there are apparent defects,\ndamages, or deficiencies for the dwelling.\n•\n\nIf No, “None” displays and the Apparent Defects, Damages, Deficiencies\n(Dwelling Exterior) table does not display.\n"}
diff --git a/chunks/json/1cec0bf1459a2078046a5520da7ce85afd37eab602ee39f9b6089fa33a25b975.json b/chunks/json/1cec0bf1459a2078046a5520da7ce85afd37eab602ee39f9b6089fa33a25b975.json
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index 0000000000000000000000000000000000000000..85c29a96ee3670f94ba817794542d59277f408f8
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+++ b/chunks/json/1cec0bf1459a2078046a5520da7ce85afd37eab602ee39f9b6089fa33a25b975.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":365759,"char_start":364145,"chunk_id":"chk_ab89167350f63e84","chunk_index":216,"chunk_sha256":"1cec0bf1459a2078046a5520da7ce85afd37eab602ee39f9b6089fa33a25b975","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"1cec0bf1459a2078046a5520da7ce85afd37eab602ee39f9b6089fa33a25b975","token_estimate":404,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"When to Include\n\nAllowable\nAnswers / Format\n\nDefinition / Additional Guidance\n\nOutbuilding Detail: Outbuilding Area - Rooms\n\nFinish (Finished)\nRoom Summary\n\nRequired for each\nindicated Room Type\n\nNumber\n\nNumber of Rooms: The count of each Room Type that is not in the ADU portion\nof the outbuilding.\n\n12.012\n\nFinish (Finished)\nRoom Summary\n\nRequired if the\noutbuilding has\nfinished area that is\nnot part of an ADU\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nBath – Full\nBath – Half\nBedroom\nBreakfast Room\nDen\nDining Room\nFamily Room\nKitchen\nLaundry Room\nLiving Room\nLoft\n\nRoom Type: Room(s) that are not in the ADU portion of the outbuilding.\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\nOther (Describe)\n\nSelect the most applicable Room Type that fits the description of the\nroom. Examples:\n\no\no\n\nSelect Dining Room for dining areas.\nSelect Breakfast Room for breakfast areas or breakfast nooks.\n\n•\n\nPhoto(s) of the room(s) may be provided, which display in Outbuilding\nExhibits. Provide a caption including the room type, location, and any\nother descriptive information as appropriate.\n\nMechanical System Details For Outbuilding Containing ADU(s)\n\nIf the outbuilding contains ADU(s), heating and cooling information is displayed in the Mechanical System\nDetails subsection instead of the checkboxes (12.008-12.009).\n\nAppendix F-1: URAR Reference Guide\n\nPage 154 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n12 Outbuilding\n\nHeating\n\nOutbuilding: Mechanical System Details - Heating\n"}
diff --git a/chunks/json/1d0b0f7b48b99c561ef7f7e1514b5815c40f51f5e6b68a47cee6aec95527ba93.json b/chunks/json/1d0b0f7b48b99c561ef7f7e1514b5815c40f51f5e6b68a47cee6aec95527ba93.json
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index 0000000000000000000000000000000000000000..26abe6aaaded63f2cd00455ce627b1b5eade8c97
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+++ b/chunks/json/1d0b0f7b48b99c561ef7f7e1514b5815c40f51f5e6b68a47cee6aec95527ba93.json
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+{"chunk":{"char_end":13823,"char_start":12052,"chunk_id":"chk_cc90c9a9ba4a48f8","chunk_index":7,"chunk_sha256":"1d0b0f7b48b99c561ef7f7e1514b5815c40f51f5e6b68a47cee6aec95527ba93","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_30543138a1c3e2a6","text_sha256":"1d0b0f7b48b99c561ef7f7e1514b5815c40f51f5e6b68a47cee6aec95527ba93","token_estimate":443,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/frequently-asked-questions-du-spec.pdf"]},"text":"12\n\nPropertyUsageType (15.0009), enumerations: Investment, Other, PrimaryResidence, SecondHome\nPropertyUsageTypeOtherDescription (15.0010) to be used when the PropertyUsageType = “Other”\n\nFor conventional loans when the PropertyUsageType = “Other” and the property is commercial,\nmultifamily, land, or a farm, enter the applicable description in the PropertyUsageTypeOtherDescription\n(i.e., commercial, multifamily, land, farm).\n\n11. What is the purpose of the DU extension field DU:LandValueAmountType?\n\nDU:LandValueAmountType (Unique ID 7.0159) is a new conditionally required field with enumerations\nof Appraised, Original, and NotApplicable, and serves to specify which amount should be used in DU\ncalculations for the land value. This data is only needed if the land was acquired separately.\n\n• When the value of “Appraised” is submitted, the value in LandAppraisedValueAmount (unique id\n\n7.0041) is used in DU calculations.\n\n• When “Original” is selected, the value in LandOriginalCostAmount (unique id 4.0004) is used in\n\nDU calculations.\n\n• When “NotApplicable” is selected, no additional value will be used in DU calculations for the\n\nland.\n\n12. In what scenario would ClosingAdjustmentItemType (Unique ID 17.0025) = “LenderCredit” be\n\nutilized and in what scenario would FundsSourceType (Unique ID 5.0187) = “Lender” be used?\n\nClosingAdjustmentItemType = “LenderCredit” is used when the lender is covering a portion of the\nborrower’s closing costs (and prepaid fees). For example, in the case of premium pricing, where the\nborrower pays a slightly higher interest rate, and the lender covers all or part of the borrower’s closing\ncosts. This data is displayed on the Lender Loan Information URLA in section “L4. Qualifying the\nBorrower, line M. Other Credits”.\n"}
diff --git a/chunks/json/1d1ccb8902081932bfaddd7fef3147e2680124fa641042ce1dbf78558fa1691a.json b/chunks/json/1d1ccb8902081932bfaddd7fef3147e2680124fa641042ce1dbf78558fa1691a.json
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index 0000000000000000000000000000000000000000..f700b5061f56e1e8e89d9e72b3c407722abb7f16
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+++ b/chunks/json/1d1ccb8902081932bfaddd7fef3147e2680124fa641042ce1dbf78558fa1691a.json
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+{"chunk":{"char_end":1598,"char_start":0,"chunk_id":"chk_d98e5188e7d466cf","chunk_index":0,"chunk_sha256":"1d1ccb8902081932bfaddd7fef3147e2680124fa641042ce1dbf78558fa1691a","date_utc":"2026-01-27T18:02:36+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_2a28b9957ca3ef0b","text_sha256":"1d1ccb8902081932bfaddd7fef3147e2680124fa641042ce1dbf78558fa1691a","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/test-credit-report-characteristics.pdf"]},"text":"Desktop Originator\nTest Credit Report Characteristics\n\n/Desktop Underwriter\n\n\n\n\n\nBorrower(s) Name\n\nSS#\n\nCredit\nScores\n\nCredit\nReport Type Number\n\nReference Credit History\n\nJohn Homeowner\nMary Homeowner\n\n999-40-5000 760, 779, 785\n500-22-2000 783, 768, 771\n\nJoint\n\n5004489\n\n30+days\nnone\n\n999-60-3333 724, 740, 742\n500-60-2222 750, 739, 728\n\n999-12-1234 670, 661, 675\n999-56-5678 678, 670, 663\n\nAndy America\nAmy America\n2 mortgages w/balances\n\nPatrick Purchaser\nLorraine Purchaser\n3 mortgages w/balances\n\nSuzi Builder\n2 mortgages, 1 w/balance\n\nJoint\n\n5004449\n\n1 X 30\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\n60+days 90+days 120+days Bankruptcy Foreclosure Tax Liens Judgment Collection\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nJoint\n\n5004509\n\n2 X 30\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\n2\n\nnone\n\n999-60-6666 630, 625, 619\n\nIndividual\n\n5004459\n\n15 X 30\n\n7 X 60\n\n5 X 90\n\nnone\n\nnone\n\nnone\n\nnone\n\n1\n\nnone\n\nAlice Firstimer\n\n991-91-9991 715, 710, 703\n\nIndividual\n\n5004469\n\n3 X 30\n\n1 X 60\n\nnone\n\nnone\n\nnone\n\nPenny Public\n\n999-60-3000 670, 640, 650\n\nIndividual\n\n5004499\n\n2 X 30\n\n2 X 60\n\n1 X 90\n\nnone\n\n1\n\n999-00-8881 660, 685, 672\n999-00-8882 674, 680, 695\n\nJoint\n\n5004479\n\n3 X 30\n\n1 X 60\n\n1 X 90\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\n2\n\nnone\n\n000-88-9999 595, 625, 610\n\nIndividual\n\n5004529\n\n10 X 30\n\n2 X 60\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\nnone\n\n1\n\n000-11-2222 547, 555, 525\n999-44-5555 521, 530, 515\n\nJoint\n\n5004519\n\n32 X 30\n\n7 X 60\n\nnone\n\nnone\n\nnone\n\nnone\n\n1\n\nnone\n\nnone\n\n000-66-7777 525, 560, 585\n\nIndividual\n\n5004539\n\n15 X 30\n\n4 X 60\n\nnone\n\nnone\n\n1\n\nnone\n"}
diff --git a/chunks/json/1d2681414b5d6a33791a53d4597cdc8da4b457de67f8b337d7d3efcda364593a.json b/chunks/json/1d2681414b5d6a33791a53d4597cdc8da4b457de67f8b337d7d3efcda364593a.json
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index 0000000000000000000000000000000000000000..6b80d80b1a8090a93823d0f576c672f4bdbdbb09
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+++ b/chunks/json/1d2681414b5d6a33791a53d4597cdc8da4b457de67f8b337d7d3efcda364593a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":2579,"char_start":2129,"chunk_id":"chk_6d3aa9b03e65a245","chunk_index":1,"chunk_sha256":"1d2681414b5d6a33791a53d4597cdc8da4b457de67f8b337d7d3efcda364593a","date_utc":"2026-01-27T18:02:39+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3690e8660b43b993","text_sha256":"1d2681414b5d6a33791a53d4597cdc8da4b457de67f8b337d7d3efcda364593a","token_estimate":113,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-march-release-notes-march-15-2025.pdf","below_target_min_tokens"]},"text":"For More Information\n\nFor more information about these Release Notes, lenders may contact their Fannie Mae Business Account Management Solutions\nteam, and mortgage brokers should contact their DO sponsoring wholesale lender. For more information about the digital\nvalidation that is supported by asset verification reports, visit the webpage for a complete listing of documents and materials\navailable to lenders.\n\n© 2025 Fannie Mae.\n\n2.5.25\n\n1 of 1\n"}
diff --git a/chunks/json/1d2750421da5b951b39af756094a5e8e78418d9e5cf24b7380002e55dc1e7fc7.json b/chunks/json/1d2750421da5b951b39af756094a5e8e78418d9e5cf24b7380002e55dc1e7fc7.json
new file mode 100644
index 0000000000000000000000000000000000000000..31bf71162fc602e94250d7d1d15ea2381667aed7
--- /dev/null
+++ b/chunks/json/1d2750421da5b951b39af756094a5e8e78418d9e5cf24b7380002e55dc1e7fc7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":656607,"char_start":654978,"chunk_id":"chk_591f8957f9d32713","chunk_index":388,"chunk_sha256":"1d2750421da5b951b39af756094a5e8e78418d9e5cf24b7380002e55dc1e7fc7","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1d2750421da5b951b39af756094a5e8e78418d9e5cf24b7380002e55dc1e7fc7","token_estimate":408,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Appraisal Effective\nDate\n\nEffective date of the appraisal report on\nthe subject property.\n\n/VALUATION_RESPONSE/VALUATION/@AppraisalEffectiveDate\n\n10\n\nDate/Time\n\nUAD Requirement - Refer to Appendix D Reconciliation Section\nNote: This data is referenced more than once on the form and must be represented\nconsistently.\n\nPDF Display Format:\nWhole numbers only.\n\nUAD Requirement - Refer to Appendix D Reconciliation Section\nNote: This data is referenced more than once on the form and must be represented\nconsistently.\n\nData Format:\nyyyy-mm-dd\n\nPDF Display Format:\nmm/dd/yyyy\n\nEither field 3-127 (Valuation\nReconciliation Condition of Appraisal\nType = 'AsIs'), or at least one of fields 3-\n128, 3-129 , 3-130 (other values of\nValuation Reconciliation Condition of\nAppraisal Type) must be indicated. If\nfield 3-127 is indicated, then none of\nfields 3-128, 3-129 , 3-130 may be\nindicated.\n\nIf any of fields 3-128, 3-129, 3-130\n(values of Valuation Reconciliation\nCondition of Appraisal Type) are\nindicated, this field should be\npopulated.\n\nUsed to specify the title of a report.\n\n/VALUATION_RESPONSE/REPORT/@_TitleDescription\n\n/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier\n\n50\n\n50\n\nString\n\nString\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms\nvendor software.\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor.\n"}
diff --git a/chunks/json/1d3602835f7da4074f8bdd07e323842186d79ba0a71f3586206f6562577fcb5a.json b/chunks/json/1d3602835f7da4074f8bdd07e323842186d79ba0a71f3586206f6562577fcb5a.json
new file mode 100644
index 0000000000000000000000000000000000000000..a0a52ffc0904059111290ff9c1b7fe65b67df447
--- /dev/null
+++ b/chunks/json/1d3602835f7da4074f8bdd07e323842186d79ba0a71f3586206f6562577fcb5a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1717,"char_start":0,"chunk_id":"chk_5025110813ae4254","chunk_index":0,"chunk_sha256":"1d3602835f7da4074f8bdd07e323842186d79ba0a71f3586206f6562577fcb5a","date_utc":"2026-01-27T17:47:56+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_16420b94ef371d43","text_sha256":"1d3602835f7da4074f8bdd07e323842186d79ba0a71f3586206f6562577fcb5a","token_estimate":527,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Pu_alr1i.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data/uad/puf\"\ndate_accessed: \"2026-01-27T17:47:56.018Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/1d3ba606b4bc1595ca1e29551f746f1fb241bff345d7dc0ddc6d83fa9ea07ce4.json b/chunks/json/1d3ba606b4bc1595ca1e29551f746f1fb241bff345d7dc0ddc6d83fa9ea07ce4.json
new file mode 100644
index 0000000000000000000000000000000000000000..c4792e952a500b58ddf56247a1b11b632449f8bb
--- /dev/null
+++ b/chunks/json/1d3ba606b4bc1595ca1e29551f746f1fb241bff345d7dc0ddc6d83fa9ea07ce4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3753,"char_start":1616,"chunk_id":"chk_d27d727eca53fa31","chunk_index":1,"chunk_sha256":"1d3ba606b4bc1595ca1e29551f746f1fb241bff345d7dc0ddc6d83fa9ea07ce4","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_fafc4238d5cd0bff","text_sha256":"1d3ba606b4bc1595ca1e29551f746f1fb241bff345d7dc0ddc6d83fa9ea07ce4","token_estimate":535,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_2020.pdf"]},"text":"CoRace\n\nBorrower2 Race1 Type\n\nYear Loan Was Reported\nUnique Record ID (not actual loan number)\nName of Federal Home Loan Bank District\n2 Digit FIPS State Code\n3 Digit FIPS County Code\nThe Property's Five Digit numeric CBSA; 99999 if\nstate/county/tract combo is not in a CBSA or MSA\nThe property's Census Tract of Block Numbering Area\n(BNA)\nThe percentage of the property's census tract\npopulation that is minority.\nThe property's census tract median family income.\nThe property's median income for the area based on\nthe most recent decennial census.\nThe total monthly qualifying income used for\nunderwriting in whole dollars for all borrowers on the\nloan.\nCurrent median income for a family of four for the area\nas established by HUD\nThe Amount of unpaid principal balance in whole\ndollars when acquired by the FHLBank.\nThe loan-to-value ratio of the mortgage at time of\norigination.\nYear the mortgage was originated.\nYear the mortgage was acquired.\nPurpose of Loan: 1 = Purchase, 2 = No-Cash Out\nRefinancing, 3 = Second Mortgage, 4 = New\nConstruction, 5 = Rehabilitation or Home\nImprovement, 6 = Cash-out Refinancing, 7 = Other\nProduct type of Mortgage: 01=Fixed Rate, 02=ARM,\n03=No Longer in Use, 04=GPM/GEM, 05=Reverse\nAnnuity Mortgage, 06=Other, 07-98=Reserved for\nfuture use\nType of Mortgage and whether the mortgage is\nguaranteed: 0=Conventional, 1=FHA, 2=VA, 3=USDA\nRural Housing-FSA Guaranteed, 4=HECMs, 5=Title1-\nFHA\nTerm of the Mortgage in Months\nFor Amortizing Mortgages, term of amortization in\nmonths; 998 if non-amortizing loan\nType of Institution from which the FHLBank acquired\nthe mortgage. 01=Insured depository institution,\n02=Housing Associate, 03=Insurance Company, 04=Non-\nFederally Insured CU, 05=Non-Depository CDFI,\n06=Other FHLBank, 09=Other\nNumber of Borrowers\nNumeric code indicating whether borrower\nNumeric code indicating the race of the Borrower.\n1=American Indian or Alaska Native, 2=Asian, 3=Black\nor African American, 4=Native Hawaiian or other\nPacific Islander, 5=White, 6=Information not provided\nby Borrower, 7=Not Applicable (First or primary\nborrower is an institution, corporation or partnership)\n"}
diff --git a/chunks/json/1d3c2afbd0b42b39e8d9132af79242cf5f79dc29a1e460ce3fd788ed12d4d391.json b/chunks/json/1d3c2afbd0b42b39e8d9132af79242cf5f79dc29a1e460ce3fd788ed12d4d391.json
new file mode 100644
index 0000000000000000000000000000000000000000..eac566a40ee471944b6443a97712b6d1af776b32
--- /dev/null
+++ b/chunks/json/1d3c2afbd0b42b39e8d9132af79242cf5f79dc29a1e460ce3fd788ed12d4d391.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":4910,"char_start":3271,"chunk_id":"chk_bcf589ec87da0783","chunk_index":2,"chunk_sha256":"1d3c2afbd0b42b39e8d9132af79242cf5f79dc29a1e460ce3fd788ed12d4d391","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_d6b9a54a1de1ce5b","text_sha256":"1d3c2afbd0b42b39e8d9132af79242cf5f79dc29a1e460ce3fd788ed12d4d391","token_estimate":410,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-release-april-15-2023.pdf"]},"text":"Completion Alternatives\n\nA new policy allows alternative methods to the Appraisal Update and/or Completion Report (Form 1004D). The DU messages\nreferencing a certificate of completion and/or Form 1004D will be updated to remind lenders of the alternatives.\n\nDU Validation Service Updates\n\nThe DU validation service will be updated to prevent validation of income or assets when employment and income verification\nreports or asset verification reports contain data that does not align with the Selling Guide. Specifically, the changes include the\nfollowing:\n▪ The DU validation service will only consider data from income and asset verification reports that are reflected in U.S. dollars\n\n(USD). This change will only apply to new loan casefiles created on or after April 16, 2023.\n\n▪ The DU validation service will not consider employment and income records from verification of employment and income\nreports when the reports indicate the consumer has an unresolved dispute on the accuracy of the employment or income\ndata. This change will apply to loan casefiles submitted or resubmitted on or after the weekend of April 15, 2023.\n\nUpdates to Align with the Selling Guide\n\nBorrower Contribution\n\nSelling Guide Announcement SEL-2022-10 provided further clarification of the borrower contribution requirements based on the\nproduct (HomeReady® or standard transactions), source of the grant (lender-funded or standard), the subject property’s number\nof units, and the LTV ratio. The DU messages specifying the minimum borrower contribution requirements will be updated to\nensure the appropriate contribution requirement messages are issued.\n"}
diff --git a/chunks/json/1d400fbe4e4d69a9f6dfb3e6d26d5d48c5d1ff8ca962abb5cf68bb19f119d2a9.json b/chunks/json/1d400fbe4e4d69a9f6dfb3e6d26d5d48c5d1ff8ca962abb5cf68bb19f119d2a9.json
new file mode 100644
index 0000000000000000000000000000000000000000..0ffa623963ecdee836bcf36301386f681eb30da9
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+++ b/chunks/json/1d400fbe4e4d69a9f6dfb3e6d26d5d48c5d1ff8ca962abb5cf68bb19f119d2a9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1137,"char_start":0,"chunk_id":"chk_ff5f74769e33dbcb","chunk_index":0,"chunk_sha256":"1d400fbe4e4d69a9f6dfb3e6d26d5d48c5d1ff8ca962abb5cf68bb19f119d2a9","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_32677bb8409e26ed","text_sha256":"1d400fbe4e4d69a9f6dfb3e6d26d5d48c5d1ff8ca962abb5cf68bb19f119d2a9","token_estimate":284,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/uldd-integration-impact-memo-jan-31-2024.pdf"]},"text":"ULDD Integration Impact Memo\n\n1/31/2024\n\nImpact Memo Details\n\nEffective\nDate\n\nImpacted Area\n\nJanuary 2024 ULDD Phase 5\n\n(5.0.1)\nSpecification\nRelease\n\nDescription\n\nFannie Mae is updating the Uniform Loan Delivery Dataset (ULDD) to make further guidance\navailable on the implementation and mandate dates associated with the data enhancements\nincluded in the ULDD Phase 5 specification published on Sept. 12, 2023.\n\nImplementation and Mandate Dates\n\nThe updated specification includes implementation and mandate dates for the following enhancements:\n\n▪ Alignment with UAD 3.6 Updates\n\n▪ Alignment with UAD Redesign and ULDD Property Data Point Updates\n\n▪ Business-Critical Updates\n\n▪ ULDD Phase 5 Errata/Corrections:\n\n▪ Bi-Merge and Average Borrower Credit Score Calculation Updates\n\nReference the ULDD Phase 5 Specification release notes for further details on the ULDD updates for alignment with UAD 3.6 and\nbusiness critical requirements.\n\nThe following resources are also available on the ULDD webpage:\n\n▪ ULDD Specification Appendix A (.pdf format)\n\n▪ ULDD Specification Appendix D (.xls format)\n\n© 2023 Fannie Mae 2.2.24 Page 1 of 1\n"}
diff --git a/chunks/json/1d53c997137571e2b9ce8715302b2faed221f85a2d4e28e7e1d4586ea1c8eb7e.json b/chunks/json/1d53c997137571e2b9ce8715302b2faed221f85a2d4e28e7e1d4586ea1c8eb7e.json
new file mode 100644
index 0000000000000000000000000000000000000000..7f4223f32d2dd46af268fc6a58ef70c208714725
--- /dev/null
+++ b/chunks/json/1d53c997137571e2b9ce8715302b2faed221f85a2d4e28e7e1d4586ea1c8eb7e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":79269018,"char_start":0,"chunk_id":"chk_545ee79ab99f4292","chunk_index":0,"chunk_sha256":"1d53c997137571e2b9ce8715302b2faed221f85a2d4e28e7e1d4586ea1c8eb7e","date_utc":"2026-01-27T18:12:00+00:00","doc_type":"csv","paths":{"json":"","txt":null},"source_id":"src_84aa66567dafd57f","text_sha256":"1d53c997137571e2b9ce8715302b2faed221f85a2d4e28e7e1d4586ea1c8eb7e","token_estimate":1143,"warnings":["source_path=Public_Use_Database___FHFA/links/_.csv/2018_pudb_export_123118.csv"]},"text":"Year: 2018 | AssignedID: 2131406 | Bank: Atlanta | FIPSStateCode: 24 | FIPSCountyCode: 021 | MSA: 47900 | FeatureID: 9999999999 | Tract: 7512.01 | MinPer: 29.85 | TraMedY: 93261 | LocMedY: 108141 | Tractrat: 0.8624 | Income: 146196 | CurAreY: 110300 | IncRat: 1.3254 | UPB: 463939 | LTV: 1.03 | MortDate: 2017 | AcquDate: 2018 | Purpose: 1 | Coop: 2 | Product: 1 | FedGuar: 2 | Term: 360 | AmorTerm: 360 | SellType: 1 | NumBor: 2 | First: 1 | CICA: 9 | BoRace: 7 | CoRace: 7 | BoSex: 2 | CoSex: 1 | BoAge: 41 | CoAge: 43 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.04 | Amount: 464782 | Front: 0.2424 | Back: 0.3221 | BoCreditScore: 4 | CoBoCreditScore: 4 | PMI: 0 | Self: 2 | PropType: PT07 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 3 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 3 | Corace2: 6 | Corace3: 6 | Corace4: 6 | Corace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2\nYear: 2018 | AssignedID: 2131407 | Bank: Atlanta | FIPSStateCode: 24 | FIPSCountyCode: 017 | MSA: 47900 | FeatureID: 9999999999 | Tract: 8509.04 | MinPer: 67.24 | TraMedY: 112623 | LocMedY: 108141 | Tractrat: 1.0414 | Income: 156972 | CurAreY: 110300 | IncRat: 1.4231 | UPB: 495000 | LTV: 1 | MortDate: 2017 | AcquDate: 2018 | Purpose: 1 | Coop: 2 | Product: 1 | FedGuar: 2 | Term: 360 | AmorTerm: 360 | SellType: 1 | NumBor: 2 | First: 1 | CICA: 9 | BoRace: 3 | CoRace: 3 | BoSex: 1 | CoSex: 2 | BoAge: 61 | CoAge: 54 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0375 | Amount: 495000 | Front: 0.2384 | Back: 0.455 | BoCreditScore: 4 | CoBoCreditScore: 5 | PMI: 0 | Self: 2 | PropType: PT07 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 2 | Corace2: 6 | Corace3: 6 | Corace4: 6 | Corace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2\nYear: 2018 | AssignedID: 2131408 | Bank: Atlanta | FIPSStateCode: 51 | FIPSCountyCode: 153 | MSA: 47900 | FeatureID: 9999999999 | Tract: 9012.36 | MinPer: 40.76 | TraMedY: 140156 | LocMedY: 108141 | Tractrat: 1.296 | Income: 337464 | CurAreY: 110300 | IncRat: 3.0595 | UPB: 664307 | LTV: 0.99 | MortDate: 2017 | AcquDate: 2018 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 2 | Term: 360 | AmorTerm: 360 | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 3 | CoRace: 3 | BoSex: 1 | CoSex: 2 | BoAge: 55 | CoAge: 61 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0388 | Amount: 665287 | Front: 0.1369 | Back: 0.2102 | BoCreditScore: 5 | CoBoCreditScore: 5 | PMI: 0 | Self: 2 | PropType: PT07 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 2 | Corace2: 6 | Corace3: 6 | Corace4: 6 | Corace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2\nYear: 2018 | AssignedID: 2131409 | Bank: Atlanta | FIPSStateCode: 51 | FIPSCountyCode: 059 | MSA: 47900 | FeatureID: 9999999999 | Tract: 4221.02 | MinPer: 75.97 | TraMedY: 89250 | LocMedY: 108141 | Tractrat: 0.8253 | Income: 132000 | CurAreY: 110300 | IncRat: 1.1967 | UPB: 490320 | LTV: 1.03 | MortDate: 2017 | AcquDate: 2018 | Purpose: 1 | Coop: 2 | Product: 1 | FedGuar:\n"}
diff --git a/chunks/json/1d541c0b01801873285a34540818716f18d13382c5c5d21595ea416b519b9373.json b/chunks/json/1d541c0b01801873285a34540818716f18d13382c5c5d21595ea416b519b9373.json
new file mode 100644
index 0000000000000000000000000000000000000000..ff983b6f1dd1a28f45327f4c7db73790e0be5f04
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+++ b/chunks/json/1d541c0b01801873285a34540818716f18d13382c5c5d21595ea416b519b9373.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":8995,"char_start":7102,"chunk_id":"chk_4f222ce5d85c4c41","chunk_index":4,"chunk_sha256":"1d541c0b01801873285a34540818716f18d13382c5c5d21595ea416b519b9373","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_b9cb6f1f19624831","text_sha256":"1d541c0b01801873285a34540818716f18d13382c5c5d21595ea416b519b9373","token_estimate":471,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Non_Performing__NPL__and_Re_Performing_Loan__RPL___rg2ark.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n## Breadcrumb\n\n- [Home](/)\n - [Policy](/policy)\n - Non-Performing (NPL) and Re-Performing Loan (RPL) Sales\n\nPolicy\n\n# Non-Performing (NPL) and Re-Performing Loan (RPL) Sales\n\nThe sale of NPLs and RPLs by Fannie Mae and Freddie Mac (the Enterprises) reduces the number of deeply delinquent loans held in their inventories and transfers credit and interest rate risk to the private sector. Additionally, data provided by NPL buyers’ servicers over time show more favorable outcomes for borrowers than if the NPLs stayed in Enterprise portfolio through resolution. Purchasers of Enterprise NPLs and RPLs are subject to requirements published by FHFA, which have been enhanced over time, most recently 2023.\n"}
diff --git a/chunks/json/1d6f43846e28a4a856c2e58db10dfe5b9108bb791681a41749cd3554d1699c03.json b/chunks/json/1d6f43846e28a4a856c2e58db10dfe5b9108bb791681a41749cd3554d1699c03.json
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index 0000000000000000000000000000000000000000..42287d7a1d0ec1d94bd5736439a865efd71644ac
--- /dev/null
+++ b/chunks/json/1d6f43846e28a4a856c2e58db10dfe5b9108bb791681a41749cd3554d1699c03.json
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+{"chunk":{"char_end":3576,"char_start":3515,"chunk_id":"chk_c1b9ff9ab9223177","chunk_index":2,"chunk_sha256":"1d6f43846e28a4a856c2e58db10dfe5b9108bb791681a41749cd3554d1699c03","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_519c636eac748f6b","text_sha256":"1d6f43846e28a4a856c2e58db10dfe5b9108bb791681a41749cd3554d1699c03","token_estimate":18,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-release-jan-20-2024.pdf","below_target_min_tokens"]},"text":"© 2024 Fannie Mae. Trademarks of Fannie Mae.\n\n1.3.24\n\n2 of 2\n"}
diff --git a/chunks/json/1d79a3e188132c7888e05d47e5e8dcbf88fb2cb640fec3de2d0434e68ede56ae.json b/chunks/json/1d79a3e188132c7888e05d47e5e8dcbf88fb2cb640fec3de2d0434e68ede56ae.json
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index 0000000000000000000000000000000000000000..10822387d197ad7ae0f445a6e539406570657021
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+++ b/chunks/json/1d79a3e188132c7888e05d47e5e8dcbf88fb2cb640fec3de2d0434e68ede56ae.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":28783,"char_start":27171,"chunk_id":"chk_df717fc60f577f77","chunk_index":19,"chunk_sha256":"1d79a3e188132c7888e05d47e5e8dcbf88fb2cb640fec3de2d0434e68ede56ae","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"1d79a3e188132c7888e05d47e5e8dcbf88fb2cb640fec3de2d0434e68ede56ae","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"The figure below (Figure 3) shows examples of a counseling event, by type, that will need to be linked\nto the housing counseling agency.\n\nCOUNSELING EVENT (Counseling or Education) And\nROLE (HousingCounselingAgency)\nContainers Identifying Endpoints Of Relationships\n\nPARTIES\n PARTY\n\nINDIVIDUAL\n NAME\n\nROLE\n BORROWER\n\nCOUNSELING EVENTS\n\nCOUNSELING EVENT\n Sequence Number = “1”\n\nxlink:label = “COUNSELING_EVENT_1”\n\nCOUNSELING EVENT DETAIL\n\nCounseling Completed Date = 2015-10-05\n Counseling Confirmation Indicator= true\n Counseling Format Type = FaceToFace\n Counseling Type= Counseling\n\nPARTIES\n PARTY\n\nLEGAL ENTITY\n\nLEGAL ENTITY DETAIL\n Full Name\n\nROLE\n\nSequence Number = “1”\n xlink:label = “HOUSING_COUNSELING_AGENCY_1”\n ROLE DETAIL\n\nParty Role Type = HousingCounselingAgency\n\nFigure 3. Establishing Endpoints of Relationship\n\nData Relationships Using Xlink and MISMO Arcroles\n\nPage 17 of 29\n\nVersion 1.1\n\n___________ _ __ Uniform Loan Application Dataset (ULAD) Xlink Arcroles\n\nThe table below (Table 3) shows the endpoints that will makeup the xlink arcrole relationship for each\nrelationship.\n\nCONTAINER\n\nXPath For Container\n\nCOUNSELING_EVENT DEAL/PARTIES/PARTY/ROLES/\nROLE/BORROWER/COUNSELIN\nG_EVENTS/COUNSELING_EVE\nNT\nDEAL/PARTIES/PARTY/ROLES/\nROLE\n\nROLE\n\nTable 3. Identifying Endpoints in the Relationship\n\nSequence\nNumber\n1\n\nXlink:label\n\nCOUNSELING_EVENT_1\n\n1\n\nHOUSING_COUNSELING_AGENCY_1\n\nThe table below (Table 4) shows a breakdown of the detailed components of the relationship used to relate\na counseling event to housing counseling agency that provided the counseling.\n\nXPath\n\nAttribute\n"}
diff --git a/chunks/json/1d841d2eb9c02be9209ba48afa756fdc63f90522af2821fdec1cdc3b4a34900c.json b/chunks/json/1d841d2eb9c02be9209ba48afa756fdc63f90522af2821fdec1cdc3b4a34900c.json
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+++ b/chunks/json/1d841d2eb9c02be9209ba48afa756fdc63f90522af2821fdec1cdc3b4a34900c.json
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+{"chunk":{"char_end":288874,"char_start":286530,"chunk_id":"chk_231d749881a9dfe3","chunk_index":160,"chunk_sha256":"1d841d2eb9c02be9209ba48afa756fdc63f90522af2821fdec1cdc3b4a34900c","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"1d841d2eb9c02be9209ba48afa756fdc63f90522af2821fdec1cdc3b4a34900c","token_estimate":586,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"•\n\nNote: When a substitute appraiser is used for the Completion Report, the substitute appraiser must review the original appraisal\nreport. The lender must note in the file the reason why the original appraiser was not used.\n\nManufactured Housing Appraisal Site Requirements\n\nThe appraisal site requirements for manufactured housing are as follows:\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 109 of 166\n\nUAD 3.6 Policy\n\n•\n\n•\n\nThe appraiser must base their opinion of value on the characteristics of the subject property, including the site area. The\nappraisal report must indicate whether or not the site is compatible with the neighborhood, and must comment on the\nconformity of the manufactured home to other manufactured homes in the market area.\nThe property site must be of a size, shape, and topography that is conforming and acceptable in the market area. It must\nalso have competitive utilities, street improvements, adequate vehicular access, and other amenities. Because\namenities, easements, and encroachments may either detract from or enhance the marketability of a site, the appraiser\nmust reflect them in their analysis and valuation. The appraiser must comment if the site has adverse conditions or is not\ntypical for the market.\n\nManufactured Housing Appraisal Comparable Selection Requirements Excluding MH Advantage\n\nThe comparable selection requirements for manufactured housing appraisals, excluding MH Advantage, are as follows:\n\n•\n•\n\n•\n\n•\n\n•\n\nThe appraisal must include at least two closed comparable sales of manufactured homes.\nIf the subject property is a single-section, multi-story or two- to four-unit manufactured home, the appraisal must\ninclude at least one closed comparable sale of the same configuration, when available.\nIf a closed comparable sale with a matching configuration is not available, the appraisal may include an active listing or\npending sale as a supplemental exhibit to demonstrate marketability.\nFor multi-story manufactured homes, the appraisal may include either a multi-story site-built home or a different type\nof multi-story factory-built home as the third comparable sale.\nFor two- to four-unit manufactured homes, the appraisal must include either a two- to four-unit site-built home or a different\ntype of two- to four-unit factory built home as the third comparable sale.\n"}
diff --git a/chunks/json/1d90642c3b780260ee0af60ba0110a337872ee72b3856ebe6a09a516f26b9a76.json b/chunks/json/1d90642c3b780260ee0af60ba0110a337872ee72b3856ebe6a09a516f26b9a76.json
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+++ b/chunks/json/1d90642c3b780260ee0af60ba0110a337872ee72b3856ebe6a09a516f26b9a76.json
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+{"chunk":{"char_end":31373,"char_start":29769,"chunk_id":"chk_1c52e2f069470d0a","chunk_index":18,"chunk_sha256":"1d90642c3b780260ee0af60ba0110a337872ee72b3856ebe6a09a516f26b9a76","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_57acc1f45b74cd4b","text_sha256":"1d90642c3b780260ee0af60ba0110a337872ee72b3856ebe6a09a516f26b9a76","token_estimate":401,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR without Report Field IDs v1.2.pdf"]},"text":"Floor Number\n\nSite Size\n\nGrade Level\n\nInterior Condition\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area\n\nFurnished\n\nUtilities/Services\nIncluded\n\nRent Control\n\nRent Concessions\n\nVehicle Storage | Spaces\n\nSummary\n\nRent Per Finished Area\n\nActual Rent\n\nOverall Comparison\nto Subject\n\nAdjusted Rent\n\nOpinion of\nMarket Rent\n\nComparable Weight\n\nProximity to Subject\n\nNeighborhood Name\n\nProject Name\n\nProject Common\nAmenities/Services\n\nSite Influence\n\nView from Unit\n\nFloor Number\n\nSite Size\n\nGrade Level\n\nInterior Condition\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area\n\nFurnished\n\nUtilities/Services\nIncluded\n\nRent Control\n\nRent Concessions\n\nVehicle Storage | Spaces\n\nSummary\n\nRent Per Finished Area\n\nActual Rent\n\nOverall Comparison\nto Subject\n\nAdjusted Rent\n\nOpinion of\nMarket Rent\n\nComparable Weight\n\nSubject\n[Unit\nIdentifier]\n\nComparables\n\n#\n\n#\n\n#\n\nSubject\n[Unit\nIdentifier]\n\nComparables\n\n#\n\n#\n\n#\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nRental Analysis Commentary\n\nRental Information Exhibits\n\nComparable #\n\nComparable #\n\nComparable #\n\nComparable #\n\nComparable #\n\nAppraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024\n\nIncome Approach\n\nGross Rent Multiplier Comparables\n\nProperty Address\n\nSubject Property\n\nComparable #\n\nComparable #\n\nComparable #\n\nData Source\n\nProximity to Subject\n\nUnits Excluding ADUs\n"}
diff --git a/chunks/json/1d94cea39d873a6c7cf428e5b511dfe2767918db40480136ceec49eca201a706.json b/chunks/json/1d94cea39d873a6c7cf428e5b511dfe2767918db40480136ceec49eca201a706.json
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+{"chunk":{"char_end":60348,"char_start":59545,"chunk_id":"chk_fca6759d0e9ec78e","chunk_index":62,"chunk_sha256":"1d94cea39d873a6c7cf428e5b511dfe2767918db40480136ceec49eca201a706","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"1d94cea39d873a6c7cf428e5b511dfe2767918db40480136ceec49eca201a706","token_estimate":525,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"(cid:1)(cid:4)(cid:7)(cid:5)(cid:10)(cid:2)(cid:1)(cid:4)(cid:7)(cid:5)(cid:3)(cid:10)(cid:8)(cid:6)(cid:10)(cid:2)(cid:1)(cid:4)(cid:7)(cid:5)(cid:9)(cid:3)(cid:10)\n\n(cid:31)(cid:34)(cid:53)(cid:44)(cid:70)(cid:76)(cid:18)(cid:61)(cid:56)(cid:64)(cid:34)(cid:67)(cid:51)(cid:70)(cid:61)(cid:59)(cid:76)(cid:16)(cid:64)(cid:64)(cid:67)(cid:61)(cid:34)(cid:40)(cid:50)(cid:76)(cid:22)(cid:74)(cid:50)(cid:51)(cid:37)(cid:51)(cid:72)(cid:70)(cid:76)\n\n(cid:19)(cid:62)(cid:57)(cid:65)(cid:35)(cid:68)(cid:35)(cid:38)(cid:54)(cid:45)(cid:1)(cid:76)\n\n(cid:8)(cid:8)(cid:3)(cid:5)(cid:7)(cid:3)(cid:7)(cid:13)(cid:76)\n\n(cid:8)(cid:8)(cid:3)(cid:5)(cid:7)(cid:76)(cid:3)(cid:7)(cid:13)(cid:3)(cid:7)(cid:76)(cid:26)(cid:76)(cid:8)(cid:8)(cid:3)(cid:5)(cid:7)(cid:76)(cid:3)(cid:7)(cid:13)(cid:3)(cid:8)(cid:76)\n"}
diff --git a/chunks/json/1d9fb4872d310fb45ddc623127b938e906a0a430ffc9a33ee6e733c489fe08c8.json b/chunks/json/1d9fb4872d310fb45ddc623127b938e906a0a430ffc9a33ee6e733c489fe08c8.json
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index 0000000000000000000000000000000000000000..37a10de68ce18f2d86c12af0e9b2785170b13d75
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+++ b/chunks/json/1d9fb4872d310fb45ddc623127b938e906a0a430ffc9a33ee6e733c489fe08c8.json
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+{"chunk":{"char_end":18791,"char_start":17245,"chunk_id":"chk_c2736cf4f3f2a50b","chunk_index":9,"chunk_sha256":"1d9fb4872d310fb45ddc623127b938e906a0a430ffc9a33ee6e733c489fe08c8","date_utc":"2026-01-27T18:02:17+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_9a8b7dcd848f50e9","text_sha256":"1d9fb4872d310fb45ddc623127b938e906a0a430ffc9a33ee6e733c489fe08c8","token_estimate":433,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.md/Technology_Integration_Resources___Fannie_Mae.md"]},"text":"Technology Manager\n\n##### Release Notes\n\n- [Technology Manager Release | March 11, 2024](/media/document/pdf/technology-manager-release-march-11-2024)\n - [Technology Manager Release | June 8, 2023](/media/document/pdf/technology-manager-release-june-8-2023)\n - [Technology Manager Release | May 5, 2023](/media/document/pdf/technology-manager-release-may-5-2023)\n - [Technology Manager Release | Sept. 30, 2021](/media/document/pdf/technology-manager-release-sept-30-2021)\n - [Technology Manager Release | Nov. 20, 2020](/media/document/pdf/technology-manager-release-november-4-2020)\n - [Technology Manager Release | Aug. 6, 2020](/media/document/pdf/technology-manager-release-august-6-2020)\n - [Technology Manager Release | May 1, 2020](/media/document/pdf/technology-manager-release-may-1-2020)\n - [Technology Manager Release | Oct. 21, 2019](/media/document/pdf/technology-manager-release-oct-21-2019)\n\nUniform Appraisal Dataset (UAD) Compliance API (UCA)\n\n##### Announcements\n\n- [May 2025 – Completion Rules Notification](/media/document/pdf/completion-report-uad-36-compliance-rules-available-uad-compliance-api)\n- [March 2025 – Update Rules Notification](/media/document/pdf/appraisal-update-report-uad-36-compliance-rules)\n- [December 2024 – URAR Rollout](/media/document/pdf/uad-compliance-api-uad-36-urar-available-announcement-dec-2024)\n- [March 2024 - Introducing the Compliance API](/media/document/pdf/uad-compliance-api-early-access)\n- [Compliance API Product Factsheet](/media/document/pdf/compliance-api-product-factsheet)\n"}
diff --git a/chunks/json/1dace126b544bd88d3012378241cd2ce0a1b310f340c27d7c34daf45d726f043.json b/chunks/json/1dace126b544bd88d3012378241cd2ce0a1b310f340c27d7c34daf45d726f043.json
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+++ b/chunks/json/1dace126b544bd88d3012378241cd2ce0a1b310f340c27d7c34daf45d726f043.json
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+{"chunk":{"char_end":769394,"char_start":767617,"chunk_id":"chk_90ebef4449643c4f","chunk_index":458,"chunk_sha256":"1dace126b544bd88d3012378241cd2ce0a1b310f340c27d7c34daf45d726f043","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"1dace126b544bd88d3012378241cd2ce0a1b310f340c27d7c34daf45d726f043","token_estimate":445,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"The dwelling exhibits significant wear and tear\nresulting from inadequate maintenance, but the\nsoundness and structural integrity are sufficient\nto support occupancy. Some components may\nbe missing or near the end of their useful life,\nbut major components are still functional.\n\nThe dwelling features an extreme lack of\nmaintenance, resulting in severe damages,\ndeficiencies, or defects that impact the\nsoundness or structural integrity, and the\ndwelling is not suitable for occupancy. There are\nmajor components that may be missing, no\nlonger functional, or otherwise require\nimmediate correction.\n\nA dwelling in C2 condition:\n•\n\nHas been recently constructed (within the past 36 months), and otherwise exhibits\nvirtually no wear and tear, but is no longer new due to occupancy or use (e.g., model\nhome), or\nHas been fully remodeled \"to the studs\" including new major components; a new\ndwelling built utilizing the footprint or façade of a pre-existing dwelling; or a newly\nconverted condo/co-op in a pre-existing building.\n\n•\n\nA dwelling in C3 condition will likely have:\n•\n\nComponents or rooms that are older but have been very well maintained or experienced\nminimal use, and show little or no physical depreciation, or\n\n• Major components or rooms that have been recently updated, but which do not\n\nconstitute a full-home renovation/remodel.\n\nExamples of major components include but are not limited to a combination of (one or more):\n•\n•\n•\n•\n\nNewer roof\nSome newer mechanicals\nNew / newer floor coverings\nRemodeled kitchen or bathroom(s)\n\nA dwelling in C4 condition may have experienced some periodic updating but most\ncomponents are near the middle of their life cycle. Common deferred maintenance resulting\nfrom typical use is apparent but presents no immediate impact.\n"}
diff --git a/chunks/json/1db7fd4245527f548d5a48a7d86d08057d38416a9a965785b0830366a5941e92.json b/chunks/json/1db7fd4245527f548d5a48a7d86d08057d38416a9a965785b0830366a5941e92.json
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+{"chunk":{"char_end":18253,"char_start":15558,"chunk_id":"chk_3a18d62886e36c8f","chunk_index":9,"chunk_sha256":"1db7fd4245527f548d5a48a7d86d08057d38416a9a965785b0830366a5941e92","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_7609e8234ff6311f","text_sha256":"1db7fd4245527f548d5a48a7d86d08057d38416a9a965785b0830366a5941e92","token_estimate":801,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Speeches___FHFA_s62p86.md"]},"text":"## Footer\n\n- [Accessibility](/about/fhfa-policies/accessibility)\n - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)\n - [FOIA](/about/foia-privacy)\n - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Office of the Inspector General](https://www.fhfaoig.gov/)\n - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)\n - [USA.gov](https://www.usa.gov/)\n\n{\"path\":{\"baseUrl\":\"\\/\",\"pathPrefix\":\"\",\"currentPath\":\"node\\/34876\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"\\/news\\/speech\":true,\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"better_exposed_filters\":{\"datepicker\":true,\"datepicker_options\":[]},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"}
diff --git a/chunks/json/1dc136e86a43e6c7dfdf250a13bee8fa9129e5e8f1df708a42992a7d36ae168f.json b/chunks/json/1dc136e86a43e6c7dfdf250a13bee8fa9129e5e8f1df708a42992a7d36ae168f.json
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index 0000000000000000000000000000000000000000..6e3d53540edb5c1337030691b7fb7cb9ec8a57fc
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+++ b/chunks/json/1dc136e86a43e6c7dfdf250a13bee8fa9129e5e8f1df708a42992a7d36ae168f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":106045,"char_start":104383,"chunk_id":"chk_9104f2f2095306a5","chunk_index":60,"chunk_sha256":"1dc136e86a43e6c7dfdf250a13bee8fa9129e5e8f1df708a42992a7d36ae168f","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"1dc136e86a43e6c7dfdf250a13bee8fa9129e5e8f1df708a42992a7d36ae168f","token_estimate":416,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Appraiser and Supervisory Appraiser Credentials\n\nCredential information from the state in which the property is located must be provided for the appraiser and\nsupervisory appraiser.\n\nAssignment: Contact Information - Appraiser and / or Supervisory Appraiser Credentials\n\nReport\nField ID\n\n2.024\n2.039\n\nReport Label\n\nWhen to Include\n\nLevel\n\nRequired for the\nappraiser and\nsupervisory appraiser\n\nAllowable\nAnswers / Format\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\n\nDefinition / Additional Guidance\n\nCredential Type\n•\n\nNone (includes noncredentialled appraiser trainees or jurisdictions that\ndon’t provide credentials to appraiser trainees)\nCertified General\nCertified Residential\nLicensed Residential\nTrainee Appraiser (appraiser trainees with an issued credential, also\nreferred to as Registered Trainee)\nOther (Describe)\n\n•\n•\n•\n•\n\n•\n\nID\n\n2.025\n2.040\n\nRequired if Credential\nType is not None\n\nFree-form\n\nThe credential as reported by the ASC. Commonly referred to as “credential\nnumber”, “license number”, or “certification number”.\nNote: Do not include state in the ID field unless it is part of the credential\nnumber as reported on the ASC National Registry.\n\nState\n\nExpires\n\n2.026\n2.041\n\n2.027\n2.042\n\nRequired if Credential\nType is not None\n\n2-letter USPS state\ncode\n\nState credential that applies to the assignment, commonly referred to as the\n“credentialling state”.\n\nRequired if Credential\nType is not None\n\nmm/dd/yyyy\n\nExpiration date of the credential.\n\nOther Information About Appraiser and Supervisory Appraiser\n\nAssignment Information: Contact Information – Other Information about Appraiser and Supervisory Appraiser\n"}
diff --git a/chunks/json/1dc54f22a5057c4fc658f331839b2d00525ee2686fe8569a8e7ab551bfd15d7f.json b/chunks/json/1dc54f22a5057c4fc658f331839b2d00525ee2686fe8569a8e7ab551bfd15d7f.json
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index 0000000000000000000000000000000000000000..8386bb7c647037eaaa08670af3cbf61521c3919c
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+++ b/chunks/json/1dc54f22a5057c4fc658f331839b2d00525ee2686fe8569a8e7ab551bfd15d7f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3974,"char_start":2371,"chunk_id":"chk_f2c3ab84dae88d69","chunk_index":1,"chunk_sha256":"1dc54f22a5057c4fc658f331839b2d00525ee2686fe8569a8e7ab551bfd15d7f","date_utc":"2026-01-27T18:02:36+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05e2c791205bfad3","text_sha256":"1dc54f22a5057c4fc658f331839b2d00525ee2686fe8569a8e7ab551bfd15d7f","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-government-loans-release-jan-21-2023.pdf"]},"text":"VA 2022 County Loan Limit Changes\n\nThe 2023 county loan limits are available on VA’s website.\n\nVA loan casefiles submitted or resubmitted prior to the weekend of Jan. 21 will be underwritten using the 2022 VA county loan\nlimits. VA loan casefiles submitted or resubmitted on or after the weekend of Jan. 21 will be underwritten using the 2023 VA\ncounty loan limits. These loan limit changes will apply to both the 3.0 and 3.1 versions.\n\nN O T E : Because the 2023 VA county loan limits will not be implemented on the date they are in effect, lenders are\nresponsible for ensuring that the correct VA county loan limit is applied to all VA loans underwritten through DU from\nJan. 1 through Jan. 21.\n\n© 2023 Fannie Mae. Trademarks of Fannie Mae.\n\n1.4.23\n\n1 of 2\n\nAdditional Resources\n\nFor additional information, please reference the documents and web sites listed below.\n\nDocument Name and\nDescription\n\nURL\n\nOnline HUD Handbook 4000.1\n\nhttp://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/handbook_400\n0-1\n\nHUD Mortgagee Letters\n\nhttps://www.hud.gov/hudclips/letters/mortgagee\n\nFHA Mortgage Limits\n\nhttps://entp.hud.gov/idapp/html/hicostlook.cfm\n\nCHUMS Data Files\n\nhttp://www.hud.gov/pub/chums/file_layouts.html\n\nFHA Resource Center: Contact\nInformation and FAQs\n\nhttp://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/fharesourcectr\n\nVA Lenders Handbook\n\nhttps://benefits.va.gov/warms/pam26_7.asp\n\nVA Circulars\n\nVA Loan Limits\n\nhttp://www.benefits.va.gov/homeloans/new.asp\n\nhttp://www.benefits.va.gov/homeloans/loan_limits.asp\n\nVA Regional Loan Centers: Contact\nInformation\n"}
diff --git a/chunks/json/1dc7ca35f5e6fa71f907d3f90734c2161e8cb5374cd610473c9475d7bdfcdf3e.json b/chunks/json/1dc7ca35f5e6fa71f907d3f90734c2161e8cb5374cd610473c9475d7bdfcdf3e.json
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index 0000000000000000000000000000000000000000..40b20b26fcf7038e80eaa14c05dcc0409e7b851c
--- /dev/null
+++ b/chunks/json/1dc7ca35f5e6fa71f907d3f90734c2161e8cb5374cd610473c9475d7bdfcdf3e.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3620,"char_start":1736,"chunk_id":"chk_cba4675cd64eff3f","chunk_index":1,"chunk_sha256":"1dc7ca35f5e6fa71f907d3f90734c2161e8cb5374cd610473c9475d7bdfcdf3e","date_utc":"2026-01-27T18:02:32+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_e1ff914957902b96","text_sha256":"1dc7ca35f5e6fa71f907d3f90734c2161e8cb5374cd610473c9475d7bdfcdf3e","token_estimate":471,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/cu-v-54-release-notes-april-19-2022.pdf"]},"text":"1031\n\n1045\n\nCU indicates that the heightened\nundervaluation risk may be the result of the\nappraiser's weighting of the adjusted sale\nprices of the comparables. Ensure that the\nappraiser appropriately weighted the adjusted\nsale prices of the comparables.\n\nCU has identified comparable sales that may\nbe more similar in features & geographical\nlocation than those relied on by the appraiser.\nEnsure that the appraiser has relied on\ncomparables with similar property features &\ngeographical location. See the CU\nComparables tab for details.\n\n1024\n\nCU has identified comparable\nsales that may be more similar in\n\n1044\n\nCU has identified comparable sales that may\nbe more similar in geographical location than\n\n© 2022 Fannie Mae April 20, 2022 Page 1 of 4\n\nOvervaluation Risk Message Text\n\nOvervaluation\nRisk Message\nID\n\nNew\nUndervaluation\nRisk Message\nID\n\nNew Undervaluation Risk Message Text\n\ngeographical location than those\nrelied on by the appraiser. Ensure\nthat the appraiser has relied on\ncomparables with a similar\ngeographical location. See the CU\nComparables tab for details.\n\nCU has identified comparable\nsales that may be more similar in\nproperty features than those\nrelied on by the appraiser. Ensure\nthat the appraiser has relied on\ncomparables with similar\nproperty features. See the CU\nComparables tab for details.\n\nCU has identified comparable\nsales that may be more similar to\nthe subject than those relied on\nby the appraiser. Ensure that the\nappraiser has relied on\ncomparables that are the best\nand most appropriate for the\nassignment. See the CU\nComparables tab for details.\n\nCU has identified market reaction\nto Above Grade Room Count &\nGross Living Area that may differ\nfrom the adjustment rates used\nby the appraiser. Ensure that the\nappraiser has made adjustments\naccurately reflecting market\nreaction to these attributes. See\nthe CU Adjustments tab for\ndetails.\n"}
diff --git a/chunks/json/1dccd477bb382db879436eea874e20d36c71a86b7d09db5d6aaebea28a9ebcae.json b/chunks/json/1dccd477bb382db879436eea874e20d36c71a86b7d09db5d6aaebea28a9ebcae.json
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index 0000000000000000000000000000000000000000..07488cfec066785a7d716429f24865486039a002
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+++ b/chunks/json/1dccd477bb382db879436eea874e20d36c71a86b7d09db5d6aaebea28a9ebcae.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":789302,"char_start":787700,"chunk_id":"chk_7bc227cdb07ef032","chunk_index":470,"chunk_sha256":"1dccd477bb382db879436eea874e20d36c71a86b7d09db5d6aaebea28a9ebcae","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"1dccd477bb382db879436eea874e20d36c71a86b7d09db5d6aaebea28a9ebcae","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"In the Dwelling(s) subsection, Gross Building Finished Area includes the finished below grade area\n(1,800 sq. ft.), the area of each unit (858 sq. ft.), and the stairwells including the area under the\nstairs (386 sq. ft.).\n\nThe Unit(s) subsection shows 1,800 square feet of unfinished below grade area with interior\naccess from the common area reported in Unit A only.\n\nIn the Unit(s) subsection, neither unit includes the finished below grade area.\n\nIn the Summary subsection, the above information is incorporated into the calculations. For\nexample, Price Per Finished Area Above Grade = Sale Price ($375,000) / (Gross Building\nFinished Area (1,800) = $208.\n\nIn the Summary subsection, the above information is incorporated into the calculations. For\nexample, Price Per Finished Area Above Grade = Sale Price ($375,000) / (Gross Building Finished Area\n(3,600) = $104.\n\nAppendix F-1: URAR Reference Guide\n\nPage 361 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\nAppendix 4: Detached Garage Examples\n\nAppendix 4: Detached Garage Examples\n\nThis appendix shows examples of detached garages and how they are reported in different sections of the\nURAR. Applicable URAR sections for each example are summarized in this table.\n\nNote: Only the portions of Unit Interior and Sales Comparison Approach that address area and rooms are\nincluded in these examples. The entire Unit Interior section displays for the ADU, as does the ADU Interior\nQuality and Condition subsection of the Sales Comparison Approach.\n\nDetached Garage Examples\n\nExample (Subject Property)\n\nOutbuilding\n(Subject\nProperty)\n\nUnit\nInterior\n"}
diff --git a/chunks/json/1de5e98fddd1a78d171d3ac061cf72067ca587043cd6350e4a42eaa5eba5dcf5.json b/chunks/json/1de5e98fddd1a78d171d3ac061cf72067ca587043cd6350e4a42eaa5eba5dcf5.json
new file mode 100644
index 0000000000000000000000000000000000000000..31d30f880a27dee3fc81a9c33ed53b2eb8f5b9c2
--- /dev/null
+++ b/chunks/json/1de5e98fddd1a78d171d3ac061cf72067ca587043cd6350e4a42eaa5eba5dcf5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":17092,"char_start":15058,"chunk_id":"chk_aa97e96e61dd880f","chunk_index":15,"chunk_sha256":"1de5e98fddd1a78d171d3ac061cf72067ca587043cd6350e4a42eaa5eba5dcf5","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"1de5e98fddd1a78d171d3ac061cf72067ca587043cd6350e4a42eaa5eba5dcf5","token_estimate":509,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"MISMO v3.4 Reference Model is organized in a hierarchical structure with containers and data points that\noriginate from a single ancestor, the MESSAGE container. The following (Figure. 1) is a sample\nrepresentation of the schema and the hierarchical relationships between containers.\n\nFigure. 1 Hierarchical relation of containers in Deal Sets structure\n\nThe MISMO v3.4 Reference Model includes several supporting documents for the data model and are\navailable on the MISMO.org website.\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n6\n\nNavigating the MISMO v3.4 Reference Model\nThe use of an XML editor, which offers a graphical user interface (GUI) for visualizing XML documents,\nmay be used to display the hierarchical order of the model starting at the root container and following\ndownward by expanding with child containers. See Figure. 2.\n\nFigure. 2 Example of a Complex Type container and a Single Type container\n\nContents of the MISMO v3.4 Logical Data Dictionary (LDD)\nThe LDD is a Microsoft Office Excel® workbook containing information about all the data components of\nthe MISMO v3.4 Reference Model. The file includes a set of different tabs organized in alphabetical order,\nas follows:\n\n• LDD Report_V3.4.0.0_B324 provides an inventory of the version 3.4 model content, including:\n\no Data point names and definitions\no Containers in which the data points reside\no Attributes\no ArcRoles\no Enumerations\n\nExtensions\nAs defined in the MISMO MEG 25 publication: The EXTENSION container provides maximum flexibility\nto a given version of a MISMO message by establishing a structured framework for adding data.\nOrganizations can take advantage of XML Namespaces to place required data points not yet defined in the\nMISMO standard OR proprietary data points that shall never be included in the MISMO standard into a\nmessage for exchange with business partners. The definition of the EXTENSION container makes it possible\nto add additional content yet still validate against the MISMO standardized schema.\n"}
diff --git a/chunks/json/1df06d7c122c434f341334f370a2c67ef34ab888aec99bc5131a8f24d563bfb5.json b/chunks/json/1df06d7c122c434f341334f370a2c67ef34ab888aec99bc5131a8f24d563bfb5.json
new file mode 100644
index 0000000000000000000000000000000000000000..c7800e4501bda75fd3dc5284d809231f5036fa60
--- /dev/null
+++ b/chunks/json/1df06d7c122c434f341334f370a2c67ef34ab888aec99bc5131a8f24d563bfb5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":348612,"char_start":346946,"chunk_id":"chk_235975d02858084d","chunk_index":285,"chunk_sha256":"1df06d7c122c434f341334f370a2c67ef34ab888aec99bc5131a8f24d563bfb5","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"1df06d7c122c434f341334f370a2c67ef34ab888aec99bc5131a8f24d563bfb5","token_estimate":416,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"o When “true”,\n\n▪ Known Sales Concessions and Total Sales Concessions display (Figure 20 - 2)\n\n•\n\nSalesConcessionAmountKnownIndicator (UID: 0600.0005, FID: 20.009)\n\no When “false” display “Unknown”\no When “true” display TotalSalesConcessionAmount (UID: 0600.0011, FID: 20.009) and Typical for Market -\n\nSalesConcessionsTypicalToMarketIndicator (UID: 0600.0007, FID: 20.010) (Figure 20 - 2)\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 20 - 2\n\nPage 266\n\no When “false”,\n\n▪ Known Sales Concessions displays “No” (Figure 20 - 3)\n\nFigure 20 - 3\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nSales Contract Analysis\n\nThe Sales Contract Analysis subsection displays when comments are provided. Comments for this subsection must be delivered in\nValuationCommentText (UID: 0600.0014, FID: 20.011) with ValuationAnalysisCategoryType (UID: 0600.0015, FID: 20.011) = “SalesContract”.\n\nComments are required when:\n\n• SalesContractReviewedIndicator (UID: 0600.0010, FID: 20.001) = “false” stating why the contract was not analyzed.\n• PersonalPropertyIncludedIndicator (UID: 0600.0004, FID: 20.007) = “true” describing personal property included in sale.\n\nPage 267\n\nAdditional comments may be included and display in this subsection.\n\nSales Contract Exhibits\n\nThe Sales Contract Exhibits subsection displays when images are provided, and the Sales Contract section is included in the report. All\ncaptions display above the image in bold font.\n\n• Any images included must be delivered with ImageCategoryType (UID: 1400.0638, FID: 20.013) = “SalesContractExhibit”\n• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 20.012).\n"}
diff --git a/chunks/json/1dfb35f62ffd2694ebc10a15492c4bd56c204312a93407328e1f125a43cb6912.json b/chunks/json/1dfb35f62ffd2694ebc10a15492c4bd56c204312a93407328e1f125a43cb6912.json
new file mode 100644
index 0000000000000000000000000000000000000000..ab4dd91920e9ff59d2aa14b7e6b2690cdefb54c6
--- /dev/null
+++ b/chunks/json/1dfb35f62ffd2694ebc10a15492c4bd56c204312a93407328e1f125a43cb6912.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":91964,"char_start":90303,"chunk_id":"chk_62a6fdc410084e34","chunk_index":51,"chunk_sha256":"1dfb35f62ffd2694ebc10a15492c4bd56c204312a93407328e1f125a43cb6912","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"1dfb35f62ffd2694ebc10a15492c4bd56c204312a93407328e1f125a43cb6912","token_estimate":415,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"cancelled checks or equivalent, or\nevidence of property taxes paid.\n\nThe following tables provide restrictions on the amount of rental income that may be used for qualifying purposes based on various\nborrower and rental income scenarios.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 39 of 166\n\nUAD 3.6 Policy\n\nProperty\nType\n\n2-4 Unit\nPrimary\nResidence\n\n1 Unit Primary\nResidence\nwith ADU\n\n1-4 Unit\nInvestment\nProperty\n\nProperty Type\n\n2-4 Unit Primary\nResidence\n\nSubject Property\n\nRestrictions on Rental Income Used to Qualify\n\nCurrent\nPrimary\nHousing\nPayment\n\nProperty\nManagement\nExperience\n\nYes\n\nNo\n\nYes\n\nNo\n\nYes\n\nNo\n\nYes\n\nNo\n\nNA\n\nYes\n\nNo\n\nNA\n\nYes\n\nNo\n\nNA\n\nRental income used in qualifying has no restrictions\n\nRental income used in qualifying may not exceed the PITIA\n\nNo rental income can be used in qualifying.\n\nRental income used in qualifying is limited to 30% of the total qualifying income.\n\nRental income used in qualifying is limited to 30% of the total qualifying income\nand cannot exceed PITIA\n\nNo rental income can be used in qualifying.\n\nRental income used in qualifying has no restrictions\n\nRental income can only be used to offset the PITIA of the related property\n\nNo rental income can be used in qualifying.\n\nNon-Subject Property\n\nCurrent\nPrimary\nHousing\nPayment\n\nProperty\nManagement\nExperience\n\nRestrictions on Rental Income Used to Qualify\n\nYes\n\nYes\n\nNo\n\nYes\n\nNo\n\nYes\n\nNo\n\nYes\n\nNo\n\nNA\n\nYes\n\nRental income used in qualifying has no restrictions\n\nRental income used in qualifying may not exceed the PITIA\n\nRental income used in qualifying has no restrictions\n\nRental income can only be used to offset the PITIA of the\nrelated property\n"}
diff --git a/chunks/json/1dfcd3a07f01274ac27ad637cb87397a0ada6869bb192500d1df361846a13601.json b/chunks/json/1dfcd3a07f01274ac27ad637cb87397a0ada6869bb192500d1df361846a13601.json
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index 0000000000000000000000000000000000000000..e83a72e67da9e7aa1d022f14e1e3b6fb40691f0b
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+++ b/chunks/json/1dfcd3a07f01274ac27ad637cb87397a0ada6869bb192500d1df361846a13601.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1041735,"char_start":1039572,"chunk_id":"chk_1a763b0609a6b443","chunk_index":620,"chunk_sha256":"1dfcd3a07f01274ac27ad637cb87397a0ada6869bb192500d1df361846a13601","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1dfcd3a07f01274ac27ad637cb87397a0ada6869bb192500d1df361846a13601","token_estimate":541,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"GSE Neighborhood\nBoundaries\nDescription\n\nNeighborhood\nDescription\nNeighborhood\nMarket Conditions\nDescription\n\nSite Dimensions\nDescription\n\nSpecifies the state of market demand\nversus the supply of properties in the\nneighborhood.\nSpecifies the typical length of time a\nproperty would stay on the market before\nbeing sold in the neighborhood.\nSpecifies the typical length of time a\nproperty would stay on the market before\nbeing sold in the neighborhood.\nSpecifies the typical length of time a\nproperty would stay on the market before\nbeing sold in the neighborhood.\nThe low price of the neighborhood\nhousing specified in Neighborhood\nHousing Type.\nThe high price of the neighborhood\nhousing specified in Neighborhood\nHousing Type.\nThe predominant price of the\nneighborhood housing specified by\nNeighborhood Housing Type.\nThe age, in years, of the newest\nneighborhood housing specified in\nNeighborhood Housing Type.\nThe age, in years, of the oldest\nneighborhood housing specified in\nNeighborhood Housing Type.\nThe predominant age, in years, of the\nneighborhood housing specified by\nNeighborhood Housing Type.\nUsed to specify the percentage of land\nused for the category specified by\nNeighborhood Present Land Use Type.\nUsed to specify the percentage of land\nused for the category specified by\nNeighborhood Present Land Use Type.\nUsed to specify the percentage of land\nused for the category specified by\nNeighborhood Present Land Use Type.\nUsed to specify the percentage of land\nused for the category specified by\nNeighborhood Present Land Use Type.\nUsed to specify the percentage of land\nused for the category specified by\nNeighborhood Present Land Use Type.\nThe boundaries of the subject\nneighborhood. These boundaries may\ninclude but are not limited to streets,\nlegally recognized neighborhood\nboundaries, waterways, or other natural\nboundaries that define the separation of\none neighborhood from another.\nA free-form text field describing the\nneighborhood.\nA free-form text field used to discuss\nmarket conditions in the neighborhood\nthat may effect property values.\nA free-form text field used to describe the\ndimensions of the site such as its width\nand depth.\n"}
diff --git a/chunks/json/1e0018f5b4a18a5a778882e6cbac7d16587b7709ee22efd1b2c88d195f58c0f9.json b/chunks/json/1e0018f5b4a18a5a778882e6cbac7d16587b7709ee22efd1b2c88d195f58c0f9.json
new file mode 100644
index 0000000000000000000000000000000000000000..08916fc17b69a840c5775a3a0c52ffa4d18b5bf4
--- /dev/null
+++ b/chunks/json/1e0018f5b4a18a5a778882e6cbac7d16587b7709ee22efd1b2c88d195f58c0f9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":709279,"char_start":707701,"chunk_id":"chk_c2986cedfd428aba","chunk_index":420,"chunk_sha256":"1e0018f5b4a18a5a778882e6cbac7d16587b7709ee22efd1b2c88d195f58c0f9","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1e0018f5b4a18a5a778882e6cbac7d16587b7709ee22efd1b2c88d195f58c0f9","token_estimate":413,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"String\n\nMust provide a whole number or 'Unk' if not known.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\n15\n\n10\n\n9\n\n8\n\n8\n\n9\n\n9\n\n9\n\n48\n\n90\n\n1\n\n1\n\n4\n\nCR\n\nT\n\nR\n\nCR\n\nCR\n\nT\n\nT\n\nT\n\nT\n\nCR\n\nCR\n\nCR\n\nCR\n\nR\n\nT\n\nCR\n\nCR\n\nCR\n\nIf the value of field 1-26 (Project Per Unit\nFee Amount) is greater than zero, one and\nonly one of fields 1-27, 1-28 (values of\nProject Per Unit Fee Period Type) must be\nindicated.\n\nIf the value of field 1-26 (Project Per Unit\nFee Amount) is greater than zero, one and\nonly one of fields 1-27, 1-28 (values of\nProject Per Unit Fee Period Type) must be\nindicated.\n\nOne and only one of fields 1-29, 1-30, 1-31\n(values of Property Rights Type) should be\nindicated.\nOne and only one of fields 1-29, 1-30, 1-31\n(values of Property Rights Type) should be\nindicated.\nOne and only one of fields 1-29, 1-30, 1-31\n(values of Property Rights Type) should be\nindicated.\nThis field should be populated if field 1-31\n(Property Rights Type = 'Other') is\nindicated.\nOne and only one of fields 1-33, 1-34, 1-35\n(Values of Appraisal Purpose Type) must be\nindicated.\nOne and only one of fields 1-33, 1-34, 1-35\n(Values of Appraisal Purpose Type) must be\nindicated.\nOne and only one of fields 1-33, 1-34, 1-35\n(Values of Appraisal Purpose Type) must be\nindicated.\n\nThis field is required if field 1-35 (Appraisal\nPurpose Type = 'Other') is indicated.\n\nOne and only one of fields 1-39, 1-40\n(values of Listed Within Previous Year\nIndicator) must be indicated.\n\nOne and only one of fields 1-39, 1-40\n(values of Listed Within Previous Year\nIndicator) must be indicated.\n"}
diff --git a/chunks/json/1e065375b2067505599ab044f6d1620b0c17b22f377b7c500d131ab6d9eb4ed3.json b/chunks/json/1e065375b2067505599ab044f6d1620b0c17b22f377b7c500d131ab6d9eb4ed3.json
new file mode 100644
index 0000000000000000000000000000000000000000..587f57e83255944174a682fe303d51507c5929e6
--- /dev/null
+++ b/chunks/json/1e065375b2067505599ab044f6d1620b0c17b22f377b7c500d131ab6d9eb4ed3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":221931,"char_start":220270,"chunk_id":"chk_5a5d274244828d27","chunk_index":130,"chunk_sha256":"1e065375b2067505599ab044f6d1620b0c17b22f377b7c500d131ab6d9eb4ed3","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"1e065375b2067505599ab044f6d1620b0c17b22f377b7c500d131ab6d9eb4ed3","token_estimate":415,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"yyyy\n\nThe calendar year the building / green certification was obtained for the\nproperty.\n\nFree-form\n\nThe building / green certification version as defined by the certification\norganization.\n\nFree-form\n\nBuilding Certification Rating\nThe level or rating from the certification organization.\n\nAppendix F-1: URAR Reference Guide\n\nPage 88 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n06 Energy Efficient and Green Features\n\nGreen Efficiency Ratings\n\nEnergy Efficient and Green Features: Green Efficiency Ratings\n\nReport\nField ID\n\n6.010\n\nReport Label\n\nWhen to Include\n\nAllowable\nAnswers / Format\n\nKnown Efficiency\nRatings\n\nAlways required\n\nYes | No\n\nDefinition / Additional Guidance\n\nIndicates whether the property has obtained an efficiency rating that is known\nto the appraiser.\nNote: If No, the Green Efficiency Ratings subsection does not display.\n\n6.011\n\nGreen / Energy\nEfficiency Rating\nOrganization\n\n6.012\n\nRating\n\n6.013\n\nScore\n\nRequired for each\nefficiency rating if\nKnown Efficiency\nRatings is Yes\n\nRequired for each\nefficiency rating if\nKnown Efficiency\nRatings is Yes\n\nRequired for each\nEfficiency Rating if\nKnown Efficiency\nRatings is Yes\n\nFree-form\n\nEfficiency Rating Organization: The full name of the organization providing the\nefficiency rating.\n\nFree-form\n\nEfficiency Rating Name: The full name or commonly-used acronym of the\nefficiency rating.\nNote: If the date or year of the rating is known, enter it in Energy Efficient and\nGreen Features Commentary.\n\nFree-form\n\nThe specific value of the rating score.\n\nEnergy Efficient and Green Features Impact to Value / Marketability\n\nEnergy Efficient and Green Features Impact to Value / Marketability\n"}
diff --git a/chunks/json/1e06ddfe8443f58325bd3a60deac9136e8454aa0817183a6a167fc9938ebc9c7.json b/chunks/json/1e06ddfe8443f58325bd3a60deac9136e8454aa0817183a6a167fc9938ebc9c7.json
new file mode 100644
index 0000000000000000000000000000000000000000..1f5013091d4fe705eeba3f7ed6d3e09745cd5b48
--- /dev/null
+++ b/chunks/json/1e06ddfe8443f58325bd3a60deac9136e8454aa0817183a6a167fc9938ebc9c7.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":203082,"char_start":201473,"chunk_id":"chk_ecefa883bfbcd29f","chunk_index":118,"chunk_sha256":"1e06ddfe8443f58325bd3a60deac9136e8454aa0817183a6a167fc9938ebc9c7","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1e06ddfe8443f58325bd3a60deac9136e8454aa0817183a6a167fc9938ebc9c7","token_estimate":403,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/C\nOMPARISON_DETAIL_EXTENSION/COMP\nARISON_DETAIL_EXTENSION_SECTION[\n@ExtensionSectionOrganizationName='UNIFO\nRM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTE\nNSION_SECTION_DATA/COMPARISON_D\nETAIL/@GSEQualityOfConstructionRatingTyp\ne\n\n/VALUATION_RESPONSE/VALUATION_M\nETHODS/SALES_COMPARISON/COMPARA\nBLE_SALE[@PropertySequenceIdentifier='0']/C\nOMPARISON_DETAIL_EXTENSION/COMP\nARISON_DETAIL_EXTENSION_SECTION[\n@ExtensionSectionOrganizationName='UNIFO\nRM APPRAISAL\nDATASET']/COMPARISON_DETAIL_EXTE\nNSION_SECTION_DATA/COMPARISON_D\nETAIL/@GSEAgeEstimationIndicator\n\nThis data is referenced more than once on the form in the Site Section, and\nmust be represented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nIf a view factor not on the list provided materially affects the value of the\nproperty, the appraiser must select 'Other' and enter a description of the view\nassociated with the property. Free-form descriptions should be entered\ncarefully because data will be truncated on the appraisal report form if it\nexceeds available space for that field.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\n20\n\nEnumerated\n\n20\n\nString\n\nUAD Instruction - Refer to Appendix D Sales Comparison Approach\nSection\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\n\n2\n\nEnumerated\n\nAllowable Values\nQ1\nQ2\nQ3\nQ4\nQ5\nQ6\n"}
diff --git a/chunks/json/1e0cb16654f3e05db390b9709942c748d1e49da0d23926cf396afa01bb2b44a3.json b/chunks/json/1e0cb16654f3e05db390b9709942c748d1e49da0d23926cf396afa01bb2b44a3.json
new file mode 100644
index 0000000000000000000000000000000000000000..9cee8f4fed680359af6d1f9bb22926c9a17e8421
--- /dev/null
+++ b/chunks/json/1e0cb16654f3e05db390b9709942c748d1e49da0d23926cf396afa01bb2b44a3.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1742,"char_start":0,"chunk_id":"chk_80fd9df826e64c5f","chunk_index":0,"chunk_sha256":"1e0cb16654f3e05db390b9709942c748d1e49da0d23926cf396afa01bb2b44a3","date_utc":"2026-01-27T17:54:23+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_fed99bf0a02363da","text_sha256":"1e0cb16654f3e05db390b9709942c748d1e49da0d23926cf396afa01bb2b44a3","token_estimate":531,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Budget__Finances__and_Performance___FHFA_8m7y15.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/about/budget-finances-and-performance\"\ndate_accessed: \"2026-01-27T17:54:20.338Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/1e2a2e989f93f79e2df1c7fae9aa5aaceca04869ffc559a3b1e8b49fb6e8b486.json b/chunks/json/1e2a2e989f93f79e2df1c7fae9aa5aaceca04869ffc559a3b1e8b49fb6e8b486.json
new file mode 100644
index 0000000000000000000000000000000000000000..7b455f9499475091250394ec265e3cdc14818ffd
--- /dev/null
+++ b/chunks/json/1e2a2e989f93f79e2df1c7fae9aa5aaceca04869ffc559a3b1e8b49fb6e8b486.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":4898,"char_start":3232,"chunk_id":"chk_20494ba09d4ba459","chunk_index":2,"chunk_sha256":"1e2a2e989f93f79e2df1c7fae9aa5aaceca04869ffc559a3b1e8b49fb6e8b486","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6d5adf56d1237dd1","text_sha256":"1e2a2e989f93f79e2df1c7fae9aa5aaceca04869ffc559a3b1e8b49fb6e8b486","token_estimate":417,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH2_Appraisal/_.pdf/MH2_Appraisal_v1.3.pdf"]},"text":"Page 2 of 20\n\nAssignment Information\n\nAssignment Reason\nBorrower Name\n\nCurrent Owner of Public Record\n\nRefinance\nJohn Doe\nJane Doe\nJohn Doe\nJane Doe\n\nContact Information\n\nClient/Lender\n\nCompany Name\nCompany Address\n\nAppraiser\n\nName\nCompany Name\nCompany Address\n\nXYZ Lending Inc.\n123 Tree Lined St\nAnywhere, TN 12345\n\nAnnie Appraiser\nGeneral Appraisal Services\n123 Willow St\nAnywhere, TN 12345\n\nScope of Inspection by Appraiser\n\nSubject Property Inspection\n\nExterior\nInterior\nInspection Date\n\nPhysical\nPhysical\n03/14/2022\n\nAssignment Information and Scope of Work Commentary\n\nAdditional commentary can be added here, if needed by Appraiser.\n\nProperty Valuation Method\n\nTraditional Appraisal\n\nWas a Property Data Report used in lieu of an\nInspection?\n\nAppraiser Fee\n\n$0\n\nYes No\n \n\nSTET\n\n“lieu” l.c.\n\nCredentials\n\nLevel\nID\nState\nExpires\n\nLicensed Residential Appraiser\nT235719287434\nTN\n01/30/2024\n\nSubject Property\n\nPhysical Address\n\nCounty\nNeighborhood Name\n\n123 Anywhere St\nSomecity, TN 12345\nAlpine\nMagic Hill\n\nAttachment Type\nUnits Excluding ADUs\nAccessory Dwelling Units\nSpecial Tax Assessments\n\nDetached\n1\n0\nNo\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\nSection 23 Township 3S Range 3E Tax Lot 00700 and 00700B\n\nAppraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n"}
diff --git a/chunks/json/1e4567d9a2d6e8cb59169f4aef7844d186662f7515a1040419b15d99e1d6af9a.json b/chunks/json/1e4567d9a2d6e8cb59169f4aef7844d186662f7515a1040419b15d99e1d6af9a.json
new file mode 100644
index 0000000000000000000000000000000000000000..f858d7d8c84563a607d23917312fb5fffe48bf42
--- /dev/null
+++ b/chunks/json/1e4567d9a2d6e8cb59169f4aef7844d186662f7515a1040419b15d99e1d6af9a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":25520,"char_start":23443,"chunk_id":"chk_acf4d7503845e9cf","chunk_index":13,"chunk_sha256":"1e4567d9a2d6e8cb59169f4aef7844d186662f7515a1040419b15d99e1d6af9a","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"1e4567d9a2d6e8cb59169f4aef7844d186662f7515a1040419b15d99e1d6af9a","token_estimate":519,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"23 See UMDP Overview, at https://\n\nwww.fanniemae.com/content/fact_sheet/umdp-\noverview.pdf (April 2018) (joint document authored\nby both Fannie Mae and Freddie Mac).\n\n24 FHFA 2010 Order, 75 FR 41180, and FHFA\n\n2011 Order, 76 FR 60031.\n25 12 U.S.C. 4546(d).\n\nVerDate Sep<11>2014 18:35 Jun 02, 2020 Jkt 250001 PO 00000 Frm 00039 Fmt 4703 Sfmt 4703 E:\\FR\\FM\\03JNN1.SGM 03JNN1\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n2\n4\nC\nV\n5\nF\n9\nK\nS\nD\nn\no\n\nr\ne\nt\nt\no\n\nl\n\nFederal Register / Vol. 85, No. 107 / Wednesday, June 3, 2020 / Notices\n\n34199\n\nSeptember 23, 2019, which does not\ninclude the new HMDA data elements\nor Duty to Serve geographic indicators.\nThe data specifications set out in the\nOrder will apply to future annual PUDB\nreleases, until further modified by\nFHFA.\n\nFHFA’s review of each HMDA data\nelement is detailed below in Section\nII.B. for single-family data and Section\nII.C. for multifamily data.\n\nB. Single-Family PUDB\n\n1. New HMDA Single-Family Data\nElements Added to the PUDB\n\nThe HMDA single-family data\n\nelements collected by the Enterprises\nthat are listed below will be reported to\nFHFA and added to the PUDB Single-\nFamily Census Tract File starting with\nthe 2018 PUDB, as set forth in the\nrevised PUDB matrices. Most of these\ndata elements were new Regulation C\nreporting requirements in 2018. The list\nbelow indicates whether the data\nelement was a new HMDA data element\nadded for the first time in 2018 by\nRegulation C, or a pre-2018 HMDA data\nelement that was modified in 2018 by\nRegulation C amendments.\n\nDiscount Points: Discount Points is a\nnew HMDA data element collected by\nthe Enterprises that indicates the points\npaid by the home buyer or home seller\nto the lender to reduce the interest\nrate.26 It will be disclosed without\nmodification in the PUDB Single-Family\nCensus Tract File, in conformance with\nthe CFPB Privacy Guidance.27 The data\ncollected by the Enterprises may\ninclude origination or discount points\npaid by the borrower, home seller, or\nother third party, and may not\ncorrespond exactly to the Regulation C\nDiscount Points disclosed by the CFPB.\n"}
diff --git a/chunks/json/1e5350a762149fe7ee8a1cb38b3464e3e4e1cf29e73684d45d2eee46823dc73a.json b/chunks/json/1e5350a762149fe7ee8a1cb38b3464e3e4e1cf29e73684d45d2eee46823dc73a.json
new file mode 100644
index 0000000000000000000000000000000000000000..4cc5277c5988127a7b757e99d88b60402567333e
--- /dev/null
+++ b/chunks/json/1e5350a762149fe7ee8a1cb38b3464e3e4e1cf29e73684d45d2eee46823dc73a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":230979,"char_start":229330,"chunk_id":"chk_3953fc2cb7bcf826","chunk_index":129,"chunk_sha256":"1e5350a762149fe7ee8a1cb38b3464e3e4e1cf29e73684d45d2eee46823dc73a","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"1e5350a762149fe7ee8a1cb38b3464e3e4e1cf29e73684d45d2eee46823dc73a","token_estimate":412,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"Dwellings with condition ratings C1, C2, C3, C4, and C5 as previously defined are eligible in “as is” condition. Dwellings with the\ninitial condition rating C6 indicate one or more deficiencies that impact the soundness or structural integrity of the dwelling.\nTherefore, the appraisal must be completed \"subject to\" completion of the deficient item(s) with a minimum resulting condition\nrating of C5. Any appraisal made subject to repair will require an “as-is” condition rating.\n\nSee Defects, Damages, and Deficiencies in this topic for additional details when completing appraisals on properties with\nsoundness or structural integrity deficiencies.\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 91 of 166\n\nUAD 3.6 Policy\n\nQuality of Construction Rating\n\nThe appraiser must assign one of the following standardized quality ratings in the table below when identifying the quality of\nconstruction for the subject property and comparable sales.\n\nIn each category, the dwelling 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\nQuality Rating Definitions\n\nQ1\n\nQ2\n\nThe dwelling is an individually\ndesigned, one-of-a-kind structure\nbuilt to exacting standards. Q1\nfeatures exceptional quality\nmaterials and luxury amenities,\nand exhibits the highest quality of\nworkmanship and complexity in\narchitectural design. The dwelling\nfeatures a high degree of\nrefinement and ornamentation\nthat requires specialized\nconstruction or installation. A Q1\ndwelling is recognized as being\nvery rare or even non-existent in\nsome communities.\n"}
diff --git a/chunks/json/1e5844f3c6f7bf52b74b5d8d0be15cf88f92a9451868a8b55509f89419024e17.json b/chunks/json/1e5844f3c6f7bf52b74b5d8d0be15cf88f92a9451868a8b55509f89419024e17.json
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index 0000000000000000000000000000000000000000..175faddf6b781004e4b65b356ac143d61e3c2a03
--- /dev/null
+++ b/chunks/json/1e5844f3c6f7bf52b74b5d8d0be15cf88f92a9451868a8b55509f89419024e17.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":81851,"char_start":80202,"chunk_id":"chk_85deb9433e3cb857","chunk_index":47,"chunk_sha256":"1e5844f3c6f7bf52b74b5d8d0be15cf88f92a9451868a8b55509f89419024e17","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"1e5844f3c6f7bf52b74b5d8d0be15cf88f92a9451868a8b55509f89419024e17","token_estimate":412,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"HR\n\nHigh Rise -\nStructure is\n8+ stories tall,\ncontains units\nwith communal\nwalls, floors,\nand/or ceilings\n\nO\n\nOther\n\nNumber of Levels – The appraiser should\nindicate the attachment type of the property\nfollowed by the number of levels within the\ncondominium unit. The number of levels\nshould be displayed in whole numbers.\n\nDescription of Style - The appraiser should\nenter a brief description of the style of the\nproperty. The PDF creator should populate\nthe selected text from the specified list for\n‘Attachment Type’, followed by the ‘Number of\nLevels’, and the ‘Description of Style’. A\nsemicolon should be used to separate the\nnumber of levels from the Description of the\nstyle. Note that no semicolon should be used\nbetween the Attachment Type and the\nNumber of Levels.\n\nExamples:\nDT1L;SitecondoRamb\nRT3L;Twnhse\nGR1L;Garden\nMR1L;Midrise\nHR2L;Penthouse\n\nPage 47 of 68\n\nAppendix A: GSE Appraisal Forms Mapping\n\nDocument Version 1.5\n\n© 2022 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\nthe direction of the Federal Housing Finance Agency.\n\n• 1004/70\n\nREQUIREMENT\n\n• 1004 Hybrid/70H\n\n• 1004 Desktop/70D\n\n• 2055/2055\n\n• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\nActual Age\nThe appraiser must report the actual age of\nthe subject property and each comparable\nproperty. For new construction that is less\nthan one year old, enter the numeral zero (0).\nDo not enter any additional information such\nas ‘years’ or other descriptors. If the actual\nage is unknown, enter the estimated age.\n"}
diff --git a/chunks/json/1e5dcb723ec7fbde1fa234b863d6827bd114461718ab82898ca265f60bad1676.json b/chunks/json/1e5dcb723ec7fbde1fa234b863d6827bd114461718ab82898ca265f60bad1676.json
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index 0000000000000000000000000000000000000000..f4ba6687e8cbdbe8524dd7f5b20155f46ba1e25c
--- /dev/null
+++ b/chunks/json/1e5dcb723ec7fbde1fa234b863d6827bd114461718ab82898ca265f60bad1676.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":372024,"char_start":370133,"chunk_id":"chk_244030415202198b","chunk_index":299,"chunk_sha256":"1e5dcb723ec7fbde1fa234b863d6827bd114461718ab82898ca265f60bad1676","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"1e5dcb723ec7fbde1fa234b863d6827bd114461718ab82898ca265f60bad1676","token_estimate":473,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Figure 22 - 12\n\nUnit(s)\n\nThe Unit(s) subsection always displays in the Sales Comparison Approach section. It repeats for each living unit including ADUs.\n\nIn the XML, PROPERTY_UNIT is under IMPROVEMENT where:\n\n•\n•\n\nImprovementType = \"Dwelling” (for ADUs or non-ADUs – AccessoryDwellingUnitIndicator can be “true” or “false”)\nImprovementType = \"Outbuilding\" AND OutbuildingRealPropertyIndicator = \"true\" AND AccessoryDwellingUnitIndicator = \"true\"\n\nUnit(s) is the fourth of six subsections that has adjustments at the row level. (Figure 22 - 13)\n\nThere are 14 defined rows in this subsection.\n\n➢\n➢\n➢\n➢\n\n4 rows are required (Always)\n2 rows are conditionally required (If Applicable)\n8 rows may be provided (If Relevant)\nAdditional rows may be added to this section (Example: Basement Access in Figure 22-14)\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 22 - 13\n\nPage 287\n\nFigure 22 - 14\n\nQuality and Condition (Ratings: 1-6, 1 is highest)\n\nThe Quality and Condition subsection always displays in the Sales Comparison Approach section. This subsection has 3 parts:\n\n• Exterior Quality and Condition\n•\nInterior Quality and Condition\n• ADU Quality and Condition\n\nQuality and Condition is the only subsection that has no adjustments. Adjustments are made at the Overall Quality and Condition\nsubsection level.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nImprovementComponentTypeOtherDescription\n\nIn the Quality and Condition subsection, Other Exterior or Interior Features may be brought into the sales comparison grid from the Dwelling\nExterior or Unit Interior sections, respectively. Each additional item ImprovementComponentTypeOtherDescription (UID Subject -\n0300.0056; UID Comparable - 1800.0181) must be delivered and displays as the row header and must be included in the\nCOMPARABLE_ADJUSTMENT container for the subject and each comparable. Each Other Feature must be unique.\n"}
diff --git a/chunks/json/1e6e11ebec836c655ecb2626d9ff47fae33571fd187b05d901a26d1630516b8d.json b/chunks/json/1e6e11ebec836c655ecb2626d9ff47fae33571fd187b05d901a26d1630516b8d.json
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index 0000000000000000000000000000000000000000..8526612e0e31656bc4683666d3422ae993faba0d
--- /dev/null
+++ b/chunks/json/1e6e11ebec836c655ecb2626d9ff47fae33571fd187b05d901a26d1630516b8d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":58127,"char_start":56520,"chunk_id":"chk_6109cb2aa4618398","chunk_index":41,"chunk_sha256":"1e6e11ebec836c655ecb2626d9ff47fae33571fd187b05d901a26d1630516b8d","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"1e6e11ebec836c655ecb2626d9ff47fae33571fd187b05d901a26d1630516b8d","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"Appraiser Performing the Subject Property Inspection. Provide one RELATIONSHIP container for each appraiser-related role (provided in the data set)\njoining the INSPECTION container to the PARTY container.\n\nAppraiser\n\nUnique ID\n\nParent Container MISMO Attribute Name\n\nSupported Attribute Enumerations\n\n2400.0268\n2400.0269\n2400.0270\n2400.0287\n2200.0099\n\nRELATIONSHIP\nRELATIONSHIP\nRELATIONSHIP\nINSPECTION\nROLE\n\n@xlink:arcrole\n@xlink:from\n@xlink:to\n@xlink:label\n@xlink:label\n\nurn:fdc:mismo.org:2009:residential/INSPECTION_CompletedBy_ROLE\nINSPECTION_n\nROLE_n\nINSPECTION_n\nROLE_n\n\nSupervisory Appraiser\n\nUnique ID\n\nParent Container MISMO Attribute Name\n\nSupported Attribute Enumerations\n\n2400.0495\n2400.0496\n2400.0497\n2400.0505\n2200.0110\n\nRELATIONSHIP\nRELATIONSHIP\nRELATIONSHIP\nINSPECTION\nROLE\n\n@xlink:arcrole\n@xlink:from\n@xlink:to\n@xlink:label\n@xlink:label\n\nurn:fdc:mismo.org:2009:residential/INSPECTION_CompletedBy_ROLE\nINSPECTION_n\nROLE_n\nINSPECTION_n\nROLE_n\n\nIn this example, an appraiser and a supervisory appraiser are represented in the XML and displayed on the report. (Figure Arcrole - 1)\n\nArcrole - 1\n\nPage 49\n\nProvide the relationship that joins the SIGNATORY container to the PARTY container representing the appraiser or supervisory appraiser. One\nRELATIONSHIP container is required for each PARTY that has signed the report.\n\nPage 50\n\nAppraiser\n\nUnique ID\n\nParent Container\n\nMISMO Attribute Name\n\nSupported Attribute Enumerations\n\n2200.0039\n2200.0040\n\nRELATIONSHIP\nRELATIONSHIP\n\n@xlink:arcrole\n@xlink:from\n\nurn:fdc:mismo.org:2009:residential/SIGNATORY_IsAssociatedWith_ROLE\nSIGNATORY_n\n\n2200.0041\n"}
diff --git a/chunks/json/1e7729d3af091240d75efead16ea072f57a2aa49bfb608fd1c7805defbbea3ad.json b/chunks/json/1e7729d3af091240d75efead16ea072f57a2aa49bfb608fd1c7805defbbea3ad.json
new file mode 100644
index 0000000000000000000000000000000000000000..9f8a5f2eea0f6054448e38fdee293d7bd8f5cb98
--- /dev/null
+++ b/chunks/json/1e7729d3af091240d75efead16ea072f57a2aa49bfb608fd1c7805defbbea3ad.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":476437,"char_start":474778,"chunk_id":"chk_d2f8cccb1c6e3ff7","chunk_index":282,"chunk_sha256":"1e7729d3af091240d75efead16ea072f57a2aa49bfb608fd1c7805defbbea3ad","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"1e7729d3af091240d75efead16ea072f57a2aa49bfb608fd1c7805defbbea3ad","token_estimate":415,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"mm/dd/yyyy\n\nListing Start Date: The date the listing was created.\n\nmm/dd/yyyy\n\nListing End Date: The date the listing was no longer offered for sale.\n\nNumber\n\n•\n\n•\n\n•\n\nDollar amount\n\nDays on Market: The number of days the listing was on the market as of the\nappraisal effective date or the Listing End Date.\nNotes:\n•\n\nEnter zero (0) for properties that were not listed on the open market\nthrough a publicly available source (e.g., Listing Type is FSBO (For Sale by\nOwner)).\nEnter 1 for properties that were listed on the market and placed under\ncontract on the same day.\nFor all other scenarios, enter the actual days on market that apply to the\nlisting.\nThe most recent listing is displayed in the Sales Comparison Approach\nsection.\n\nDollar amount\n\nList Price: The last known list price for the transaction.\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nAuction\n\nProperty offered for public sale through a bidding process.\n\nListing Type (Choose one)\n\nFor Sale by Owner (FSBO)\n\nA property that is being placed for sale by the owner, without licensed real estate professional representation, which may\ninclude the use of an online real estate service.\n\nMLS\n\nOther (Describe)\n\nA database established by cooperating real estate brokers to provide property characteristics and transaction information.\nNote: Select this answer if the listing is available on an MLS in addition to other third-party sites.\n\nSelect Other to enter an answer that is not in the above list (e.g., Builder).\nNote: Select this answer when there is licensed real estate professional representation, but the property was not broadly\nmarketed through the MLS, i.e., “pocket listing”.\n"}
diff --git a/chunks/json/1e8b7148a5abbd7ad1e7393c3fb315fee649e1d8c2b31f8fa8554b2a0686dda2.json b/chunks/json/1e8b7148a5abbd7ad1e7393c3fb315fee649e1d8c2b31f8fa8554b2a0686dda2.json
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index 0000000000000000000000000000000000000000..e4ebc722dc7af0cb53e06f2d4b098730a5f523ce
--- /dev/null
+++ b/chunks/json/1e8b7148a5abbd7ad1e7393c3fb315fee649e1d8c2b31f8fa8554b2a0686dda2.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1060750,"char_start":1059143,"chunk_id":"chk_3629e1688973bf0a","chunk_index":631,"chunk_sha256":"1e8b7148a5abbd7ad1e7393c3fb315fee649e1d8c2b31f8fa8554b2a0686dda2","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1e8b7148a5abbd7ad1e7393c3fb315fee649e1d8c2b31f8fa8554b2a0686dda2","token_estimate":402,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Format\n\nImplementation Notes\n\nConditionality Description\n\nData Field\nConditionality\n\n105\n\nSITE\n\n106\n\nSITE\n\n107\n\nSITE\n\n108\n\nSITE\n\n109\n\nSITE\n\n110\n\n111\n\nSITE\n\nSITE\n\n112\n\nSITE\n\n113\n\nSITE\n\nUtilities\nWater\nPublic\n\nUtilities\nWater\nOther\n\nUtilities\nWater\nOther (describe)\n\nUtilities\nSanitary Sewer\nPublic\n\nUtilities\nSanitary Sewer\nOther\n\nUtilities\nSanitary Sewer\nOther (describe)\n\nOff-Site Improvements - Type\nStreet\n\nStreet\nPublic\n\nStreet\nPrivate\n\n114\n\nSITE\n\nOff-Site Improvements - Type\nAlley\n\n115\n\nSITE\n\nAlley\nPublic\n\nSite Utility Public\nIndicator\n\nIndicates whether the utility specified by\nSite Utility Type is a public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='\nWater'/@_PublicIndicator\n\nSite Utility Non\nPublic Indicator\n\nIndicates whether the utility specified by\nSite Utility Type is a non-public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='\nWater']/@_NonPublicIndicator\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that\nthe box has not been checked.\n\nBoolean\n\nIf no water service is present, indicate 'None' in the description field.\n\nUAD Requirement - Refer to Appendix D Site Section\nA value of 'Y' indicates that the box has been checked, a value of 'N' indicates that\nthe box has not been checked.\n\nBoolean\n\n1\n\n1\n\nSite Utility Non\nPublic Description\n\nA free-form text field used to describe the\nownership of the utility specified by Site\nUtility Type if it is a non-public utility.\n\n/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='\nWater']/@_NonPublicDescription\n"}
diff --git a/chunks/json/1e992fce3398418b15200c426ca4ea5b9996f1c58e11fbf68958f8e229cce3f5.json b/chunks/json/1e992fce3398418b15200c426ca4ea5b9996f1c58e11fbf68958f8e229cce3f5.json
new file mode 100644
index 0000000000000000000000000000000000000000..0113bebe8d870a4b07e0c08ee6211d06ad401056
--- /dev/null
+++ b/chunks/json/1e992fce3398418b15200c426ca4ea5b9996f1c58e11fbf68958f8e229cce3f5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":79421,"char_start":77921,"chunk_id":"chk_5a2362ad727b6d41","chunk_index":42,"chunk_sha256":"1e992fce3398418b15200c426ca4ea5b9996f1c58e11fbf68958f8e229cce3f5","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"1e992fce3398418b15200c426ca4ea5b9996f1c58e11fbf68958f8e229cce3f5","token_estimate":404,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"Loan Amount (UPB): Loan Amount is\n\na modified HMDA data element that\nidentifies the Note Amount (discussed\nabove in Section II.C.1.) and the UPB at\nthe time of purchase.154 The current\n\n150 84 FR at 666–667. FHFA’s Total Units ranges\nwill differ slightly from the CFPB’s intended ranges.\nThe CFPB discloses the number of units in the\nranges 5 to 24, 25 to 49, 50 to 99, and 100 to 149,\nwith top-coding. FHFA will change the 25–49 and\n50–99 bins to 25–50 and 51–99, to align with\nFHFA’s definition of ‘‘small multifamily property.’’\nSee 12 CFR 1282.1.\n\n151 12 CFR 1003.4(a)(8)(i)(A) and (ii). The PUDB\n\ncombines Action Taken and Action Taken Date,\nsince there is only one possible action by the\nEnterprises (purchase) but two available dates in\nthe Enterprise data (origination and purchase).\n\n152 Action Taken also requires reporting actions\n\nthat do not apply to originated loans (e.g.,\napplication denied). 12 CFR 1003.4(a)(8)(i)(B) and\n(C). Since the PUDB only contains data on\noriginated loans, and the Enterprises do not collect\ndata on loans that were not originated, these values\nare not relevant.\n\n153 84 FR at 663.\n154 12 CFR 1003.4(a)(7)(i). Where more than one\n\nproperty collateralizes a loan and/or loans, the\n\nContinued\n\nVerDate Sep<11>2014 18:35 Jun 02, 2020 Jkt 250001 PO 00000 Frm 00046 Fmt 4703 Sfmt 4703 E:\\FR\\FM\\03JNN1.SGM 03JNN1\n\nI\n\nS\nE\nC\nT\nO\nN\nh\nt\ni\n\nw\nD\nO\nR\nP\n2\n4\nC\nV\n5\nF\n9\nK\nS\nD\nn\no\n\nr\ne\nt\nt\no\n\nl\n\n34206\n\nFederal Register / Vol. 85, No. 107 / Wednesday, June 3, 2020 / Notices\n"}
diff --git a/chunks/json/1ea5d95a094363817b12bb18e47d8f2272e980c2e103020ff89d071273b9a7e0.json b/chunks/json/1ea5d95a094363817b12bb18e47d8f2272e980c2e103020ff89d071273b9a7e0.json
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index 0000000000000000000000000000000000000000..19358bc0462ae4ca036db8cac906c56e340094e9
--- /dev/null
+++ b/chunks/json/1ea5d95a094363817b12bb18e47d8f2272e980c2e103020ff89d071273b9a7e0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":47237,"char_start":46938,"chunk_id":"chk_092b79f5848bc3db","chunk_index":31,"chunk_sha256":"1ea5d95a094363817b12bb18e47d8f2272e980c2e103020ff89d071273b9a7e0","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"1ea5d95a094363817b12bb18e47d8f2272e980c2e103020ff89d071273b9a7e0","token_estimate":74,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf","below_target_min_tokens"]},"text":"Data Relationships Using Xlink and MISMO Arcroles\n\nPage 28 of 29\n\nVersion 1.1\n\nAppendix A: XML Code Sample FOR Xlink MISMO Arcrole Examples\n\n</RELATIONSHIPS>\n :\n </DEAL>\n <DEALS>\n </DEAL_SET>\n </DEAL_SETS>\n</MESSAGE>\n\nData Relationships Using Xlink and MISMO Arcroles\n\nPage 29 of 29\n\nVersion 1.1\n"}
diff --git a/chunks/json/1eab992d9bea943425df1f59f0c7a9d76cc03e3627287fe71ccff61d438a34f8.json b/chunks/json/1eab992d9bea943425df1f59f0c7a9d76cc03e3627287fe71ccff61d438a34f8.json
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index 0000000000000000000000000000000000000000..7ff0cf511a647c037d19bf4f2a69259e6fc7508d
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diff --git a/chunks/json/1ed2b984b7c56309d0cbdf1f06a3a8a5071e50d6dcd97ade56205930f4a34141.json b/chunks/json/1ed2b984b7c56309d0cbdf1f06a3a8a5071e50d6dcd97ade56205930f4a34141.json
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diff --git a/chunks/json/1ed38db19eb52127a2669dec879a637b70ddda86dd1665ec4c14343628486f90.json b/chunks/json/1ed38db19eb52127a2669dec879a637b70ddda86dd1665ec4c14343628486f90.json
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+{"chunk":{"char_end":316539,"char_start":314495,"chunk_id":"chk_81cdc89065a406e1","chunk_index":181,"chunk_sha256":"1ed38db19eb52127a2669dec879a637b70ddda86dd1665ec4c14343628486f90","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"1ed38db19eb52127a2669dec879a637b70ddda86dd1665ec4c14343628486f90","token_estimate":511,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"Appendix A includes all acronyms or technical terms used in the I-Guide, along with the term represented by the acronym\nand definitions for the technical terms.\n\nAcronym or Term Description\n\nTable 70. Glossary and List of Acronyms.\n\nATR\n\nCD\n\nCFPB\n\nChoice Group\n\nAbility to Repay Rule, part of Reg Z. A lender must make a good-faith effort to determine that a borrower is\nable to repay a mortgage before taking it on. In practice this means lenders must generally find out,\nconsider, and document a borrower’s income, assets, employment, credit history and monthly expenses.\n\nClosing Disclosure form issued by the CFPB\n\nConsumer Financial Protection Bureau\n\nA MISMO standard container organization method where only one of a list of child containers may be used\nwithin the parent. This means that only one of the list can be a child of the parent or the XML file will fail\nschema validation. In other words, only one can be “chosen” and then the rest of the child containers under\nthe parent are used as normal. PARTY/ → INDIVDUAL OR LEGAL_ENTITY is the major example.\n\nContainment\n\nIn the MISMO standard, there are 3 ways to relate data points together:\n1. Hierarchically: All child containers further describe the parent.\n\n2. Using the xml xlink function, which ties “sibling” containers to each other. This approach has been\n\ncompletely removed from UCD v2.0.\n\n3. By containment: all data points in one container are one “line item” (e.g., are all about one\n\nucd:FeeItemType) or one related set (for example, heading and subheading).\n\nDocument Specific\nData\n\nData points contained within the DOCUMENT SPECIFIC DATA SETS structure of the MISMO v3.3.0 Reference\nModel created to support specific business reporting requirements. Their definitions are driven by the\ncontext of and specific usage within the form or document they are intended to populate. In general,\ndefinitions of these data points do not conform to broader-based industry understanding, so they should not\nbe used outside of the specific document for which they were designed.\n"}
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+{"chunk":{"char_end":378371,"char_start":376769,"chunk_id":"chk_c2272abd3c3b464f","chunk_index":221,"chunk_sha256":"1f0a98b8c580ab85bc3bf174678cefc9518729598e9cd218545fa854bb4792b5","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1f0a98b8c580ab85bc3bf174678cefc9518729598e9cd218545fa854bb4792b5","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"60\n\n4\n\nString\n\nString\n\nUAD Instruction - Refer to Appendix D Subject Section\nIf no parcel number is available, enter 'None'. If more than one parcel number is\napplicable, each should be listed and separated by a semicolon.\n\nUAD Instruction - Refer to Appendix D Subject Section\nShould be in a four digit year format.\n\nData Format:\nyyyy\n\nThe form field 1-17 (GSE Property Tax\nTotal Tax Amount) is greater than 0.\n\n18\n\n1\n\n17\n\nSUBJECT\n\nR.E. Taxes $\n\nGSE Property Tax\nTotal Tax Amount\n\nThe total of all of the property's real estate\ntaxes for this year excluding any special\nassessments, across all tax jurisdictions\nand authorities. This is the amount\nassessed for the tax year, not the amount\npaid.\n\n/VALUATION_RESPONSE/PROPERTY/_TAX/PROPERTY_TAX_EXTENSI\nON/PROPERTY_TAX_EXTENSION_SECTION[@ExtensionSectionOrganizati\nonName='UNIFORM APPRAISAL\nDATASET']/PROPERTY_TAX_EXTENSION_SECTION_DATA/PROPERTY_\nTAX_AMOUNT/@GSEPropertyTaxTotalTaxAmount\n\n10\n\nMoney\n\nUAD Instruction - Refer to Appendix D Subject Section\nWhole dollars only. If the amount is unknown, appraisers should enter zero (0) in the\ndata field.\n\n19\n\n1\n\n18\n\nSUBJECT\n\nProject Name\n\nProject Name\n\nThe name of the project in which subject\nproperty is located (e.g., the name of the\ncondominium or cooperative).\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@_Name\n\n60\n\nString\n\nUAD Requirement - Refer to Appendix D Subject Section\nThis data is referenced more than once on the form (fields 1-18, 3-13) and must be\nrepresented consistently to the extent the available space permits.\n\n20\n\n21\n\n22\n\n23\n\n1\n\n1\n\n1\n\n1\n\n19\n\nSUBJECT\n\nPhase #\n\nProject Phase\nIdentifier\n"}
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+{"chunk":{"char_end":21230,"char_start":11966,"chunk_id":"chk_831e0e9788d12b46","chunk_index":4,"chunk_sha256":"1f20e76de58d0bf2a9cce2e272bc607f21a95d4c2e4a6eca0d3300ae2139c568","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"1f20e76de58d0bf2a9cce2e272bc607f21a95d4c2e4a6eca0d3300ae2139c568","token_estimate":3472,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"2.0 Transaction Information ............................................................................................................................................................. 38\n2.1 Borrower .................................................................................................................................................................................. 38\n1. Individual................................................................................................................................................................................38\n2. Legal Entity.............................................................................................................................................................................39\n3. Mailing Address .....................................................................................................................................................................40\n2.2 Seller (Purchase Transaction) ................................................................................................................................................. 40\n1. Individuals ..............................................................................................................................................................................40\n2. Legal Entity.............................................................................................................................................................................42\n2.3 Lender ...................................................................................................................................................................................... 42\nA. For More Information ............................................................................................................................................................... 42\n3.0 Loan Information ......................................................................................................................................................................... 44\n3.1 Loan Term ................................................................................................................................................................................ 44\n1. Fixed Loan Term ....................................................................................................................................................................44\n2. Extendible Loan term ............................................................................................................................................................45\n3. Construction Loans................................................................................................................................................................45\n3.2 Purpose .................................................................................................................................................................................... 47\n1. For More Information ...........................................................................................................................................................48\n2. Purchase.................................................................................................................................................................................48\n3. Refinance ...............................................................................................................................................................................49\n4. Construction ..........................................................................................................................................................................50\n5.\n"}
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+{"chunk":{"char_end":57328,"char_start":55718,"chunk_id":"chk_d09fa269e36da44d","chunk_index":31,"chunk_sha256":"1f38eefb36496883c4c3c11e3601c86acf2d450329f583b9b4296c39e47b928e","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"1f38eefb36496883c4c3c11e3601c86acf2d450329f583b9b4296c39e47b928e","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"•\n\n•\n\n•\n\n•\n\nthe property was built in compliance with the Federal Manufactured Home Construction and Safety Standards\n(established June 15, 1976, as amended and in force at the time the home was manufactured),\n\nit is attached to a permanent foundation system in accordance with the manufacturer’s requirements for anchoring,\nsupport, stability, and maintenance,\n\nthe foundation system must be appropriate for the soil conditions for the site and meet local and state codes,\n\nit is encumbered by the mortgage with the primary dwelling,\n\n• meets additional requirements that appear in HUD regulations in 24 C.F.R. Part 3280, and\n• when the ADU is a single-or multi-section manufactured home, the home must no longer be classified as personal property,\nand all steps required to classify the home as real property must have been completed, at the time of sale of the loan to\nFannie Mae.\n\nCompliance with these standards must be evidenced by photos of the HUD Data Plate or HUD Certification Label(s) (for each\nsection of the home) in the appraisal report. If the original or alternative documentation cannot be obtained for the HUD Data\nPlate or the HUD Certification Label(s), the loan is not eligible for sale to Fannie Mae. See SB2-3-02, Special Property Eligibility and\nUnderwriting Considerations: Factory-Built Housing and MH Advantage Property Eligibility Requirements including ADUs for\nmore information.\n\nExamples of ADUs\n\nExamples of ADUs include, (but are not limited to):\n\n•\n\n•\n\na living area over a garage,\n\na living area in a basement,\n\nUAD 3.6 Policy\n\n© 2025 Fannie Mae December 2025 Page 27 of 166\n"}
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+{"chunk":{"char_end":46406,"char_start":44703,"chunk_id":"chk_e844429708fcd13d","chunk_index":24,"chunk_sha256":"1f42fa3f2e726296e1d5750f776bbd154bb61e5715941ec2a57be2f7b1678e8c","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"1f42fa3f2e726296e1d5750f776bbd154bb61e5715941ec2a57be2f7b1678e8c","token_estimate":426,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"65 Action Taken also requires reporting actions\n\nthat do not apply to originated loans (e.g.,\napplication denied). 12 CFR 1003.4(a)(8)(i)(B) and\n(C). Since the PUDB only contains data on\noriginated loans, the HMDA values that do not\napply to originated loans are not relevant.\n\n66 84 FR at 663.\n67 In the FHFA 2010 Order, Date of Mortgage Note\nwas withheld from the PUDB Single-Family Census\nTract File to conform to HMDA privacy protections\nin 12 U.S.C. 2803(j). 75 FR at 41186. However,\nFHFA has now concluded that disclosing Date of\nMortgage Note as same year or any prior year in the\nPUDB Single-Family Census Tract File is consistent\nwith the CFPB Privacy Guidance, since the year of\norigination can be inferred from the date of the\nCFPB’s public dataset. Although the CFPB’s public\n\nLoan Amount (UPB): Loan Amount is\n\na modified HMDA data element that\nidentifies the Note Amount (discussed\nabove in Section II.B.1.) and the UPB at\nthe time of purchase.68 The current\nPUDB Single-Family Census Tract File\nincludes a data element called\nAcquisition UPB, rounded to the nearest\n$1,000. To conform with the CFPB\nPrivacy Guidance, Acquisition UPB in\nthe PUDB Single-Family Census Tract\nFile will be changed to the midpoint of\nthe $10,000 interval in which the actual\namount falls.69\n\nii. No Disclosure Changes in the PUDB\n\nThe HMDA single-family data\nelements listed below are currently\ndisclosed in the PUDB Single-Family\nCensus Tract File and were unchanged\nby the Regulation C amendments or\nwere modified in a way irrelevant to\nEnterprise data. Accordingly, they will\ncontinue to be disclosed in the same\nmanner in this File. No changes in\nreporting or disclosure are necessary to\nconform with HMDA.\n"}
diff --git a/chunks/json/1f4802aad82ba6a6c5a86c376b45643b9f135fd337e8f166ee4dcf9eb107bbd9.json b/chunks/json/1f4802aad82ba6a6c5a86c376b45643b9f135fd337e8f166ee4dcf9eb107bbd9.json
new file mode 100644
index 0000000000000000000000000000000000000000..f8e311023f866ac78948b4af11224427f9402740
--- /dev/null
+++ b/chunks/json/1f4802aad82ba6a6c5a86c376b45643b9f135fd337e8f166ee4dcf9eb107bbd9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":17635,"char_start":16043,"chunk_id":"chk_f7740d415bce41cf","chunk_index":9,"chunk_sha256":"1f4802aad82ba6a6c5a86c376b45643b9f135fd337e8f166ee4dcf9eb107bbd9","date_utc":"2026-01-27T17:48:05+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_98fc14b382a9fd86","text_sha256":"1f4802aad82ba6a6c5a86c376b45643b9f135fd337e8f166ee4dcf9eb107bbd9","token_estimate":406,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Single_Security_Initiative_and_Common_Securitizati_9bn0fm.md"]},"text":"FHFA News Release: [*FHFA Seeks Input on Single Security*](/news/news-release/fhfa-seeks-input-on-single-security)**(08/12/2014)\n\n[Review input submitted](/discussion-topics-overview?tab=all)* (select *Single Security* in pull down menu)\n\n**FHFA received additional submissions that will not be made public because they were non-responsive or were unrelated to the Request for Input.*\n\n**2013**\n\nFHFA News Release: [*FHFA Progress Report Details Advancement on Securitization Infrastructure and Credit Risk Sharing*](/news/news-release/fhfa-progress-report-details-advancement-on-securitization-infrastructure-and-credit-risk-sharing) (11/25/2013)\n\n[*A Progress Report on the Implementation of FHFA's Strategic Plan for Enterprise Conservatorships*](/reports/conservatorships-progress-report/2013) (11/25/2013)\n\nFHFA News Release: [*FHFA Issues Update on Development of a Common Securitization Infrastructure*](/news/news-release/fhfa-issues-update-on-development-of-a-common-securitization-infrastructure) (04/23/2013)\n\n[*A Progress Report on the Common Securitization Infrastructure*(PDF)](/document/whitepaperprogressreport43013) (04/23/2013)\n\n**2012**\n\n[White Paper: Building a New Infrastructure for the Secondary Mortgage Market](/research/papers/building-new-infrastructure-secondary-mortgage-market) (10/04/2012)\n\n[Public Input Received on Building a New Infrastructure (2012-13)](/document/public-input-on-building-a-new-infrastructure)\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n"}
diff --git a/chunks/json/1f4b74ea5dde3acb7d3a019a953a580395e6bbcec1fde49b18603357fb31b754.json b/chunks/json/1f4b74ea5dde3acb7d3a019a953a580395e6bbcec1fde49b18603357fb31b754.json
new file mode 100644
index 0000000000000000000000000000000000000000..8eb391fa9b59c25da1d55236a1adedd676034a56
--- /dev/null
+++ b/chunks/json/1f4b74ea5dde3acb7d3a019a953a580395e6bbcec1fde49b18603357fb31b754.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":620834,"char_start":619107,"chunk_id":"chk_1fcd0fae0d720c63","chunk_index":366,"chunk_sha256":"1f4b74ea5dde3acb7d3a019a953a580395e6bbcec1fde49b18603357fb31b754","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1f4b74ea5dde3acb7d3a019a953a580395e6bbcec1fde49b18603357fb31b754","token_estimate":478,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='View']/@_Amount\n\nA free form text field used to further\ndescribe the property feature which is\nidentified by Sales Price Adjustment\nType. (i.e. Location, Condition, etc.)\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='DesignStyle']/@_Description\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_\nADJUSTMENT[@_Type='DesignStyle']/@_Amount\n\n10\n\n20\n\n10\n\nMoney\n\nString\n\nMoney\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nPDF Display Format:\nWhole dollars only.\n\nUAD Instruction - 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\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nThe sum of this field 3-78 and fields (3-\n60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-72,\n3-74, 3-76, 3-80, 3-82, 3-84, 3-86, 3-\n87, 3-91, 3-93, 3-95, 3-97, 3-99, 3-101,\n3-103, 3-105, 3-107, 3-109, 3-111)\nmust add up to Net Adjustment field 3-\n116.\n\nThe sum of this field 3-80 and fields (3-\n60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-72,\n3-74, 3-76, 3-78, 3-82, 3-84, 3-86, 3-\n87, 3-91, 3-93, 3-95, 3-97, 3-99, 3-101,\n3-103, 3-105, 3-107, 3-109, 3-111)\nmust add up to Net Adjustment field 3-\n116.\n"}
diff --git a/chunks/json/1f4f0efc27aa325faf80aa0839ea394a154121bef92e4ea4cc70cd5a800af789.json b/chunks/json/1f4f0efc27aa325faf80aa0839ea394a154121bef92e4ea4cc70cd5a800af789.json
new file mode 100644
index 0000000000000000000000000000000000000000..862b8d7f5a07b454e8c9c1f24473bc2970b74e99
--- /dev/null
+++ b/chunks/json/1f4f0efc27aa325faf80aa0839ea394a154121bef92e4ea4cc70cd5a800af789.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":6385,"char_start":4442,"chunk_id":"chk_85e755f72711c3a9","chunk_index":3,"chunk_sha256":"1f4f0efc27aa325faf80aa0839ea394a154121bef92e4ea4cc70cd5a800af789","date_utc":"2026-01-27T18:02:20+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b9127fb10690495e","text_sha256":"1f4f0efc27aa325faf80aa0839ea394a154121bef92e4ea4cc70cd5a800af789","token_estimate":486,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/standard-arm-plan-matrix.pdf"]},"text":"6. Periodic Interest Rate Change Limit – First Change Date/Subsequent Change Dates – Indicates the limitations on interest rate increases and decreases,\nfirst from the initial interest rate and, thereafter, from each immediately preceding interest rate. For example, the statement “+/-2%/ +/-2%” means that the rate\nadjustment may not result in an increase or decrease of more than two percentage points from the prior interest rate.\n\n7. Life Interest Rate Cap/Floor – Indicates the applicable lifetime interest rate ceiling (cap), which may be stated as a rate that will serve as the ceiling or may\nbe stated as a specified number of percentage points above the initial mortgage interest rate. In the “Life IR Cap/Floor” column, “+” or “-” means add to or\nsubtract from the initial mortgage interest rate. For example, “Up to +6%” as the ceiling (cap) means that the lifetime interest rate may be as high as 6% above\nthe applicable initial interest rate. For all standard ARM plans, there is not a lifetime interest rate floor other than the applicable mortgage margin.\n\n© 2021 Fannie Mae. Trademarks of Fannie Mae.\nThis document is incorporated by reference into the Fannie Mae Selling Guide.\n\nOct 2021\n\n3 of 6\n\n8. Look-back Interest Rate Change (in days) – Identifies the required interest rate look-back period for determining the index value for interest rate\n\nadjustments. The look-back is to the index value in effect on the specified number of days before the interest rate change date.\n\n9. Assumability – This column indicates whether the ARM may be assumed or is due on sale.\n\nThe Fannie Mae standard ARM plans provide one of two choices: the mortgage is assumable during the entire term of the mortgage, or the mortgage is due-\non-sale during the initial fixed-rate period and assumable thereafter for the remaining term of the mortgage. A summary explanation for the abbreviations for\nAssum, DOS/Assum and DOS are provided below.\n"}
diff --git a/chunks/json/1f6877568804414e597035e3b07c75b6bf8f6d5c587db6b4850c10115d213ba9.json b/chunks/json/1f6877568804414e597035e3b07c75b6bf8f6d5c587db6b4850c10115d213ba9.json
new file mode 100644
index 0000000000000000000000000000000000000000..ef254d073a746c7cccd45f9affec6ad0b4b77d45
--- /dev/null
+++ b/chunks/json/1f6877568804414e597035e3b07c75b6bf8f6d5c587db6b4850c10115d213ba9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":9068,"char_start":7077,"chunk_id":"chk_a7cf4f8ab0eb5635","chunk_index":4,"chunk_sha256":"1f6877568804414e597035e3b07c75b6bf8f6d5c587db6b4850c10115d213ba9","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_098d490ea3341c33","text_sha256":"1f6877568804414e597035e3b07c75b6bf8f6d5c587db6b4850c10115d213ba9","token_estimate":496,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Mortgage_Translations___FHFA_vcix9l.md"]},"text":"[Mortgage Translations](/mortgage-translations)\n\n- [About Mortgage Translations](/mortgage-translations)\n - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)\n - [COVID-19 Resources](/mortgage-translations/covid-19-resources)\n - [Interpretive Services](/mortgage-translations/interpretive-services)\n - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)\n - [Search Documents](/mortgage-translations/search)\n - News Public Affairs\n\n- [News Releases](/news/news-release)\n - [Statements](/news/statement)\n - [Speeches](/news/speech)\n - [Testimonies](/news/testimony)\n - [Public Input](/public-input)\n - [Blogs](/blog)\n - [Fact Sheets](/news/fact-sheet)\n - [FAQs](/faqs)\n - [Partner Agency Engagements](/news/partner-agency-engagements)\n - [Public Engagements](/news/public-engagements)\n - [Videos](/media)\n\nSocial Media\n\n- [Facebook](https://www.facebook.com/FHFA)\n - [LinkedIn](https://www.linkedin.com/company/354523)\n - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)\n - [X (formerly Twitter)](https://twitter.com/FHFA)\n .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu\n\n![mortgage-translations-hero-banner](/sites/default/files/styles/desktop_hero/public/2023-11/mortgage-translations-hero-banner%20%281%29.png.webp?h=e7657209&itok=koOcI06R)\n\n# Mortgage Translations\n\nAccess our range of mortgage documents available in multiple languages\n\nWelcome to the Mortgage Translations clearinghouse, an easy-to-use collection of translated documents and tools to assist lenders, servicers, housing counselors, and others in helping ​mortgage borrowers who have limited English proficiency​ (LEP). Created by FHFA, Fannie Mae, and Freddie Mac in collaboration with industry, consumer, and government partners, the Mortgage Translations clearinghouse contains resources such as translated documents, borrower education materials, a standardized glossary of mortgage terms, and more.\n"}
diff --git a/chunks/json/1f6a068454726e98ec3fd7f52bf3716772efde90775edbf77b8cc10b145c687f.json b/chunks/json/1f6a068454726e98ec3fd7f52bf3716772efde90775edbf77b8cc10b145c687f.json
new file mode 100644
index 0000000000000000000000000000000000000000..3a20e997c051378271f2c0f3880b442230849796
--- /dev/null
+++ b/chunks/json/1f6a068454726e98ec3fd7f52bf3716772efde90775edbf77b8cc10b145c687f.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":48303,"char_start":47996,"chunk_id":"chk_cc2662a9548839ac","chunk_index":27,"chunk_sha256":"1f6a068454726e98ec3fd7f52bf3716772efde90775edbf77b8cc10b145c687f","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6d5adf56d1237dd1","text_sha256":"1f6a068454726e98ec3fd7f52bf3716772efde90775edbf77b8cc10b145c687f","token_estimate":77,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH2_Appraisal/_.pdf/MH2_Appraisal_v1.3.pdf","below_target_min_tokens"]},"text":"Signature\n\nAppraiser\nAnnie Appraiser\nAnnie Appraiser\n\n03/14/2022\n\nDate of Signature and Report\n\nLevel\nID\nState\nExpires\n\nLicensed Residential Appraiser\nT235719287434\nTN\n01/30/2024\n\nAppraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n"}
diff --git a/chunks/json/1f6cd5140c4612a9f4c536ed0d8343cf7ac65f45821f8da3622d3b3716491b3c.json b/chunks/json/1f6cd5140c4612a9f4c536ed0d8343cf7ac65f45821f8da3622d3b3716491b3c.json
new file mode 100644
index 0000000000000000000000000000000000000000..4b9759a440314462a546d7be4797045a71067e65
--- /dev/null
+++ b/chunks/json/1f6cd5140c4612a9f4c536ed0d8343cf7ac65f45821f8da3622d3b3716491b3c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1709,"char_start":0,"chunk_id":"chk_23eaf86d46b364e7","chunk_index":0,"chunk_sha256":"1f6cd5140c4612a9f4c536ed0d8343cf7ac65f45821f8da3622d3b3716491b3c","date_utc":"2026-01-27T17:47:51+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_29f52ce5a6a3cc0d","text_sha256":"1f6cd5140c4612a9f4c536ed0d8343cf7ac65f45821f8da3622d3b3716491b3c","token_estimate":523,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_Data___FHFA_07nnw.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/data\"\ndate_accessed: \"2026-01-27T17:47:50.275Z\"\n---\n\n> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)\n\nAn official website of the United States government\n\nHere's how you know\n\nHere's how you know\n\n![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**\n A **.gov** website belongs to an official government organization in the United States.\n\n![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**\n A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n\n![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA\n\n- [Mission & Core Values](/about)\n - [Leadership](/about/leadership/william-j-pulte)\n - [Conservatorship](/conservatorship)\n - [FHFA Policies](/about/fhfa-policies)\n - [Budget, Finances, and Performance](/about/budget-finances-and-performance)\n - [FOIA & Privacy](/about/foia-privacy)\n - [Information Quality](/about/information-quality)\n - [Do Business with Us](/about/do-business-with-us)\n - [Ombudsman](/about/ombudsman)\n - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)\n - [Careers](/about/careers)\n - [Contact Us](/contact)\n"}
diff --git a/chunks/json/1f6e8f1ce21d896aac6b288354bb68a02bfc51f2d70b5a5cefab2b38bdb39934.json b/chunks/json/1f6e8f1ce21d896aac6b288354bb68a02bfc51f2d70b5a5cefab2b38bdb39934.json
new file mode 100644
index 0000000000000000000000000000000000000000..944c5d85d3d07f20ef1173b2e292aac101603afe
--- /dev/null
+++ b/chunks/json/1f6e8f1ce21d896aac6b288354bb68a02bfc51f2d70b5a5cefab2b38bdb39934.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":11623,"char_start":10435,"chunk_id":"chk_453f3178ddcd6ebb","chunk_index":10,"chunk_sha256":"1f6e8f1ce21d896aac6b288354bb68a02bfc51f2d70b5a5cefab2b38bdb39934","date_utc":"2026-01-27T18:07:51+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f3a06e803112efa","text_sha256":"1f6e8f1ce21d896aac6b288354bb68a02bfc51f2d70b5a5cefab2b38bdb39934","token_estimate":400,"warnings":["source_path=Appendix C-1 URAR  Layout/_.pdf/Appendix C-1 URAR with Report Field IDs v1.2.pdf"]},"text":"Uniform Residential Appraisal Report\n\n(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20)\n\nPage [Page] of [Pages]\n\nSite\n\nTotal Site Size\nDimensions\n\n4.000\n\n4.00(cid:20)\n\nNumber of Parcels\n\nContiguous\nElements Dividing Parcels\n\n4.00(cid:21)\n\n4.00(cid:22)\n\n4.00(cid:23)\n\nAssessor Parcel Number (APN)\n4.00(cid:24)\n\nAPN Description\n4.00(cid:25)\n\nParcel Size\n4.00(cid:26)\n\nProperty Access\nPrimary Access\nStreet Type and Surface\nKnown Maintenance Agreement\nTypical for Market\n\n4.0(cid:21)(cid:19)\n\n4.0(cid:21)(cid:20)\n\n4.0(cid:21)(cid:21)\n\n4.0(cid:21)(cid:22)\n\nDescription of Property Access\n\n4.0(cid:21)(cid:23)\n\nZoning\n\nCompliance\nClassification Code\nClassification Code Description\nReasons Illegal\nImpact\nRebuildable to Current\nDensity/Use\n\n4.00(cid:27)\n\n4.00(cid:28)\n\n4.0(cid:20)(cid:19)\n\n4.0(cid:20)(cid:20)\n\n4.0(cid:20)(cid:21)\n\n4.0(cid:20)(cid:22)\n\nDescription of Zoning Compliance\nProperty Use\n\n4.0(cid:20)(cid:23)\n\nPrimarily Residential\nResidential Use\nNon-Residential Use\nNon-Residential Modification\n\n4.0(cid:20)(cid:24)\n\n4.0(cid:20)(cid:25)\n\n4.0(cid:20)(cid:26)\n\n4.0(cid:20)(cid:27)\n\nDescription of Non-Residential Use/Modification\n\n4.019\n\nSite Influence\n\nInfluence\n4.0(cid:21)(cid:24)\n"}
diff --git a/chunks/json/1f767375643c2222e754f194e9ab214b1c23ab7ce28cd0ab1a895647e26b4130.json b/chunks/json/1f767375643c2222e754f194e9ab214b1c23ab7ce28cd0ab1a895647e26b4130.json
new file mode 100644
index 0000000000000000000000000000000000000000..03e36891a2493d4364cc347f68f919e29ed30a59
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+++ b/chunks/json/1f767375643c2222e754f194e9ab214b1c23ab7ce28cd0ab1a895647e26b4130.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":16446,"char_start":14346,"chunk_id":"chk_3438d4d828c79fe7","chunk_index":6,"chunk_sha256":"1f767375643c2222e754f194e9ab214b1c23ab7ce28cd0ab1a895647e26b4130","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"1f767375643c2222e754f194e9ab214b1c23ab7ce28cd0ab1a895647e26b4130","token_estimate":525,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"Additionally, since each GSE continues to exercise independent business judgment in\nevaluating, adopting and maintaining business terms, credit policies and analytics, the\nGSEs separately published GSE-specific Implementation Guides for Loan Delivery Data,\ntogether with other supporting documentation to assist in the development and\nimplementation of the ULDD.\n\nThis User Guide is a joint publication of the GSEs and is designed to support development\nand implementation of the ULDDS, with a particular focus on the MISMO framework that\nis integral to the ULDDS.\n\nFor purposes of the User Guide, the term “ULDDS” refers to the joint specification\npackage or a document within it; and the term “ULDD” refers to the GSE-specific\npackage or a document within it.\n\nB. Purpose of the User Guide\n\nThe purpose of this User Guide is to explain how to use the V3.0 Reference Model and\nLogical Data Dictionary (LDD) that underpin both the ULDDS and ULDD. The V3.0\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 6 of 76\n\nSection V. Resources\n\nReference Model and LDD provide the technical framework for developing the loan\ndelivery file that will be required for all loans delivered to either GSE.\n\nThis User Guide provides descriptions of the technical tools and terms used in the\nULDDS and the GSE-specific Implementation Guides, and it includes tips for successfully\nrelating the data points in the ULDDS to business partner data dictionaries. It is directed\nto a technical audience, including the vendors and lenders who will create the import files\nto be submitted to each GSE according to the ULDDS and GSE-specific data\nrequirements. This audience must have a solid understanding of the MISMO standards\nand certain XML concepts in order to apply them and create a properly formed loan\ndelivery file. This User Guide also may benefit those business partners who do not have\ntechnical development responsibilities but who need to understand the ULDDS and its\nimpact on processes and systems.\n"}
diff --git a/chunks/json/1f79f47decf26abd7e6d0ae37401d3b59509bd66a05cf35baddd3c0efac948db.json b/chunks/json/1f79f47decf26abd7e6d0ae37401d3b59509bd66a05cf35baddd3c0efac948db.json
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index 0000000000000000000000000000000000000000..2741c1ad7ce7be0d73e9cc43ca0abe59bf16c9b4
--- /dev/null
+++ b/chunks/json/1f79f47decf26abd7e6d0ae37401d3b59509bd66a05cf35baddd3c0efac948db.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":7141,"char_start":5531,"chunk_id":"chk_5253b760838fd5df","chunk_index":3,"chunk_sha256":"1f79f47decf26abd7e6d0ae37401d3b59509bd66a05cf35baddd3c0efac948db","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0e016e5dd2b05fe3","text_sha256":"1f79f47decf26abd7e6d0ae37401d3b59509bd66a05cf35baddd3c0efac948db","token_estimate":402,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-validation-service-integration-impact-memo-march-2024.pdf"]},"text":"DU could not validate borrower income\nshown below for the reason provided.\nBorrower | DU Income Type | Vendor and Rep\nType | Rep ID | Income Source from Rep | DU\nReported Amount | Reason\n\nDU matched vendor data to income source(s)\nbased on the following components.\nBorrower | DU Income Type | Vendor and Rep\nType | Rep ID | DU Employer| Employer Name\nin Rep | Calculated Amount\n\nDU XML Codified Findings – Message Text (Sample)\n\nThe following example illustrates the new combination of vendor and report types that can be returned within the modified DU\nmessages.\n\n<Message MessageIdentifier=”3305” MessageSeverityTypeCode=”5” MessageCategoryTypeCode=”5”>\n <LenderMessageText>\n <LineMessageText=”DU validated borrower employment shown below. The specified report(s) is acceptable documentation to support\nthis employment.”/>\n <TableRow>\n <Column MessageText=”Borrower“/>\n <Column MessageText=”DU Employer“/>\n <Column MessageText=”Vendor and Rep Type“/>\n <Column MessageText=”Rep ID“/>\n <Column MessageText=”Employer Name(s) in Rep”/>\n <Column MessageText=”Close-By Date”/>\n </TableRow>\n <TableRow>\n <Column MessageText=”Lorraine Purchaser”/>\n <Column MessageText=”Enterprise USA”/>\n <Column MessageText=”Example Vendor1 (Asset)”/>\n <Column MessageText=”1111111”/>\n <Column MessageText=”DIR DEP Enterprise USA ALICE FIRSTIMER”/>\n <Column MessageText=”4/1/2024”/>\n\n© 2024 Fannie Mae\n\n3 of 4\n\n</TableRow>\n\nRelease Support\n\nThe DU validation service changes are available in the DU integration environment for testing, although the message updates will\nonly return if an integrator is activated to receive them.\n"}
diff --git a/chunks/json/1f7ab5138392d3889efe35657f44d30d6bbecdab0c541ae4555eb355561c66cb.json b/chunks/json/1f7ab5138392d3889efe35657f44d30d6bbecdab0c541ae4555eb355561c66cb.json
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index 0000000000000000000000000000000000000000..3f7972a808157d2c57e437723ed6623e1c8f2af5
--- /dev/null
+++ b/chunks/json/1f7ab5138392d3889efe35657f44d30d6bbecdab0c541ae4555eb355561c66cb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":573630,"char_start":572030,"chunk_id":"chk_d0aa5a9fdd080c0f","chunk_index":330,"chunk_sha256":"1f7ab5138392d3889efe35657f44d30d6bbecdab0c541ae4555eb355561c66cb","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"1f7ab5138392d3889efe35657f44d30d6bbecdab0c541ae4555eb355561c66cb","token_estimate":400,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"13. Using information available in the normal course of business, I researched, verified, analyzed, and reported on the prior sales of the\ncomparable sales for a minimum of one year prior to the date of sale of the comparable sale.\n\n14. I based my valuation on the available properties that are most similar to the subject property.\n\n15. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been\nbuilt or will be built on the land.\n\n16. I have identified the differences between the subject and comparable properties, analyzed the market reaction to those differences, and\nreflected those differences in the analysis.\n\n17. To the extent possible, I verified, from a disinterested source, all information in this report that was provided by parties who have a financial\ninterest in the sale or financing of the subject property.\n\n18. I have taken into consideration the factors that have an impact on value with respect to the subject property, and its location, including its\nproximity to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions\n(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental\nconditions, etc.) that I became aware of during the development of this appraisal. I have considered these adverse conditions in my analysis of\nthe property value and have reported on the effect of the conditions on the value and marketability of the subject property.\n"}
diff --git a/chunks/json/1f868ea107731325847a3d401f44bace480752796249f8baf7a5361d5ba26d27.json b/chunks/json/1f868ea107731325847a3d401f44bace480752796249f8baf7a5361d5ba26d27.json
new file mode 100644
index 0000000000000000000000000000000000000000..045e2f894e4774ab11922796461a2bda5c93f4fd
--- /dev/null
+++ b/chunks/json/1f868ea107731325847a3d401f44bace480752796249f8baf7a5361d5ba26d27.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":256729,"char_start":255100,"chunk_id":"chk_b2178ab8cc1fedc1","chunk_index":146,"chunk_sha256":"1f868ea107731325847a3d401f44bace480752796249f8baf7a5361d5ba26d27","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"1f868ea107731325847a3d401f44bace480752796249f8baf7a5361d5ba26d27","token_estimate":407,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"12.4 Second Loan (Principal Balance $10,000)\n\n12.4.1 $2,000.00\n\nThe XML file data points supporting these two scenarios are located in the LIABILITIES and CLOSING_ADJUSTMENTS\n(proceeds of subordinate lien) structures (see Chapters B. Liability Data and D. Closing Adjustment Data). The one exception\nis the total amount of subordinate financing, which is provided in LOAN_DETAIL. The total subordinate financing amount is\nprovided in TotalSubordinateFinancingAmount. When subordinate financing is part of the transaction, the data point\ngse:SubordinateFinancingIsNewIndicator is also required to indicate whether the financing was created at the same time as\nthe subject loan.\n\nUCD v2.0 Implementation Guide\n\n- 114 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nTable 54. UCD v2.0 Spec Excerpt – Loan Features Data Requirements.\n\nUCD UID MISMO v3.3.0 Data Point\n\nDelivered Value\n\nImplementation Notes\n\nMESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DE\nTAIL\n\n11.004 AssumabilityIndicator\n\n4.029\n\nBalloonIndicator\n\nfalse\n\nfalse\n\nBecause BalloonIndicator should always be ‘false’ UID\n4.030-BalloonPaymentAmount has been removed\nfrom LOAN_DETAIL in UCD v2.0.\n\n4.048\n\nBuydownTemporarySubsidyFundingIndicator\n\nfalse\n\n▪ Provide \"false\" if the temporary buydown terms are\n\n3.006\n\nConstructionLoanIndicator\n\n11.005 DemandFeatureIndicator\n\ntrue\n\nfalse\n\n11.077 EscrowAbsenceReasonType\n\nBorrowerDeclined\n\nNOT reflected in note rate.\n\n▪ See Table 19 for additional data point required\n\nwhen “true”.\n\nSee Table 33 for additional data points required when\n“true”.\n"}
diff --git a/chunks/json/1f90c6951426b2e1d613487c0c7058261df7ef74b9aa2f71955e99d3fb782e1d.json b/chunks/json/1f90c6951426b2e1d613487c0c7058261df7ef74b9aa2f71955e99d3fb782e1d.json
new file mode 100644
index 0000000000000000000000000000000000000000..57044720ec0e5a83f48aa4667074f6bf47b8cc70
--- /dev/null
+++ b/chunks/json/1f90c6951426b2e1d613487c0c7058261df7ef74b9aa2f71955e99d3fb782e1d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3496,"char_start":1677,"chunk_id":"chk_294a4278da0afff7","chunk_index":1,"chunk_sha256":"1f90c6951426b2e1d613487c0c7058261df7ef74b9aa2f71955e99d3fb782e1d","date_utc":"2026-01-27T18:02:20+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0049eb0d181cfd85","text_sha256":"1f90c6951426b2e1d613487c0c7058261df7ef74b9aa2f71955e99d3fb782e1d","token_estimate":455,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/2023-loan-delivery-release-notes-printable-version.pdf"]},"text":"• New warning edits related to MI, Property Data-Condo Project Manager™ (CPM™), Special Feature Code, Recast, and\n\nUnderwriting.\n\n• Edits related to AMI changing from warning to fatal severity.\n\nFeb. 26, 2023\n\nMultifactor\nAuthentication\nRegistration\n\nStarting January 9, 2023, users began seeing multifactor authentication (MFA) registration screens after logging in to Fannie\nMae browser-based applications. To ensure uninterrupted access, register by selecting one or more MFA methods before\nFebruary 26, 2023, when the use of MFA will be required. Learn more\n\n© 2023 Fannie Mae Page 1 of 5\n\nFeb. 27, 2023\n\nMBS Enhancements\n\nOn February 27, Fannie Mae will introduce the first of two planned Loan Delivery enhancements to provide lenders with a\nself-service model for addressing most MBS issues in real time within the application. No action will be required to begin\nusing these MBS enhancements, and there will be no changes to the import or MBS Pool submission processes. For more\ninformation MBS features, view the Loan Delivery MBS Enhancements overview.\n\nMar. 1, 2023\n\nLLPA Updates\n\nLenders can stop delivering SFC 873 as it will no longer be used for this LLPA waiver according to the following:\n▪ whole loans delivered and purchased on and after March 1, 2023, and\n▪ loans delivered into March issue MBS pools.\n▪ edits to enforce SFC 873 will be deactivated\n\nSee Lender Letter (LL-2022-05) for more details.\n\nMar. 27, 2023\n\nEdit Updates\n\nSee the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates\nincluding:\n\n• New informational edits related to Property Data – Condo Project Manager (CPM)\n• New warning edit related to Appraisal\n• New fatal edit related to Lien Type\n• Edits related to Property Data, Down Payment, Closing Cost, and Underwriting\n"}
diff --git a/chunks/json/1f9d7382c93c83944f3f0fd8f665a26db00608581d8ebf193627819e8830565b.json b/chunks/json/1f9d7382c93c83944f3f0fd8f665a26db00608581d8ebf193627819e8830565b.json
new file mode 100644
index 0000000000000000000000000000000000000000..2d469e887e6be7a35e274db52b3b4d95f9545416
--- /dev/null
+++ b/chunks/json/1f9d7382c93c83944f3f0fd8f665a26db00608581d8ebf193627819e8830565b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":5202,"char_start":3556,"chunk_id":"chk_b0fe383e7d3ab3e4","chunk_index":2,"chunk_sha256":"1f9d7382c93c83944f3f0fd8f665a26db00608581d8ebf193627819e8830565b","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_5c230171c77d6892","text_sha256":"1f9d7382c93c83944f3f0fd8f665a26db00608581d8ebf193627819e8830565b","token_estimate":412,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Public_Use_Database___FHFA.md"]},"text":"In this release, the Multifamily National File at the Property Level and the Multifamily National File at the Unit-Class Level are available through two separate links instead of one. The data specifications remain unchanged from prior years.\n\nThe 2024 Enterprise PUDB Data Dictionary has been consolidated into a single PDF document instead of multiple PDF documents. The 2024 release also includes an Excel version of the Data Dictionary. Both versions will include an additional column that shows the names of each data field provided in the CSV format of the data with a header row.\n\n### Future Release Notes\n\nFHFA plans to release future Enterprise PUDB data in the CSV format only, beginning with the 2025 Enterprise PUDB in September 2026. The TXT format without a header row will be discontinued.\n\nFHFA also plans to discontinue the Enterprise PUDB Single-Family National File A, beginning with the 2025 Enterprise PUDB in September 2026. Users will be able to find exactly the same data except for LTV in the 2025 Enterprise PUDB Single-Family National File B by filtering for owner-occupied 1-unit properties. LTV will be available in the 2025 Enterprise PUDB Census Tract File.\n\nIn addition, PUDB data for both Enterprises will be combined into a single file for each type of 2025 Enterprise PUDB file. However, it will still be feasible to identify and separate data by each Enterprise using the Enterprise flag in data.\n\n### Documentation\n\nData Dictionary [[.pdf]](/document/2024-enterprise-pudb-data-dictionary.pdf) [[.xlsx]](/document/2024-enterprise-pudb-data-dictionary.xlsx)\n\n- **FHFA PUDB Orders and Federal Register Notices**\n"}
diff --git a/chunks/json/1fa6906f5a7db57238bbed4ec8f38799aea479282aa618314ce9ba22874aa74d.json b/chunks/json/1fa6906f5a7db57238bbed4ec8f38799aea479282aa618314ce9ba22874aa74d.json
new file mode 100644
index 0000000000000000000000000000000000000000..5cd709b808e908de4dd03422b73088f56c03ed60
--- /dev/null
+++ b/chunks/json/1fa6906f5a7db57238bbed4ec8f38799aea479282aa618314ce9ba22874aa74d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":487583,"char_start":485979,"chunk_id":"chk_5ca8b95e7340b767","chunk_index":281,"chunk_sha256":"1fa6906f5a7db57238bbed4ec8f38799aea479282aa618314ce9ba22874aa74d","date_utc":"2026-01-27T17:46:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_cb8bbedb957299ab","text_sha256":"1fa6906f5a7db57238bbed4ec8f38799aea479282aa618314ce9ba22874aa74d","token_estimate":401,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/sample-scenario-pdf.pdf"]},"text":"Kitchen and Bathroom Details\n\nRoom\nKitchen\nLevel 1\n\nBath - Full\nLevel B1\n\nBath - Full\nLevel 2\n\nBath - Full\nLevel 2\n\nBath - Half\nLevel 1\n\nUpdate Status\nPartially Updated\n\nTime Frame\n5-10 years\n\nFully Updated\n\n1-5 years\n\nNot Updated\n\nNot Updated\n\nPartially Updated\n\n1-5 years\n\nQuality Comment\nUpgraded counters,\nmid-grade cabinets and\nappliances\n\nUpgraded fixtures,\nflooring, and\nwainscoting\n\nStandard grade fixtures,\nfloors, and cabinetry\n\nStandard grade fixtures,\nfloors, and cabinetry\n\nUpgraded fixtures and\nupdated flooring\n\nCondition Status\nNew or Like New\n\nCondition Comment\nWell maintained\n\nNew or Like New\n\nRecently received a gut\nrenovation\n\nTypical Wear and Tear\n\nMaintained\n\nTypical Wear and Tear\n\nMaintained\n\nNew or Like New\n\nRecent update and\nupgrade\n\nOverall Update Status for\nBathrooms\n\nModerately Updated\n\nInterior Features\n\nFeature\nFlooring\n\nDetail\nCarpet\n\nCeramic Tile\n\nHardwood\n\nVinyl\n\nWalls and Ceiling\n\n8 Ft. | 9 Ft. | Flat\n\nQuality Comment\nStandard Grade\n\nCondition Status\nTypical Wear and Tear\n\nCondition Comment\nUpdated 5-10 years ago\n\nTypical Wear and Tear\n\nUpdates in the last 5-10 years\n\nStandard grade - partial\nupgraded (1st floor full baths)\n\nStandard Grade\n\nStandard Grade\n\nStandard drywall meets\nmarket expectations for this\ntype of dwelling.\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nWell maintained\n\nWell maintained\n\nNo damage or condition\nissues noted\n\nNo damage or condition\nissues noted\n\nWet Bar\n\nWet bar with custom brick\nwork has been added as a\nunique interior feature.\n\nBasement has a custom brick\nwet bar that includes wood\ncountertops.\n"}
diff --git a/chunks/json/1fb2476a56f38abe16694df7bf3599db6dde8885dac2970b7efa99cc068f11a9.json b/chunks/json/1fb2476a56f38abe16694df7bf3599db6dde8885dac2970b7efa99cc068f11a9.json
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index 0000000000000000000000000000000000000000..f1b28bd150706cb509a112c853071b941d7147c0
--- /dev/null
+++ b/chunks/json/1fb2476a56f38abe16694df7bf3599db6dde8885dac2970b7efa99cc068f11a9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3433,"char_start":1791,"chunk_id":"chk_1e027b1068111b30","chunk_index":1,"chunk_sha256":"1fb2476a56f38abe16694df7bf3599db6dde8885dac2970b7efa99cc068f11a9","date_utc":"2026-01-27T18:02:35+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_586c014b1d9bb782","text_sha256":"1fb2476a56f38abe16694df7bf3599db6dde8885dac2970b7efa99cc068f11a9","token_estimate":411,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-critical-edits-updates-phases-1-and-2-dec-2-2021.pdf"]},"text":"December 6,\n2021\nNEW\n\nUCD Critical\nEdits -\n\nReview the Phase 1 Edits tab in the UCD Feedback Messages for a listing of the new warning edit to\nfurther refine UCD Phase 1 data quality:\n\nPhase 1\n\nImplementation\n\n• Warning-to-Fatal Edit 3317: A value of zero is invalid for the Regulation Z Total Points\n\nand Fees Amount. Enter the total points and fees excluding bona fide discount points with\nthe correct value. Data should be numeric up to 9 digits, with up to 2 decimal places.\n\nNOTE: Edit 3317 will be transitioning UCD edits from “warning-to-fatal” to a “fatal” severity on\nJanuary 24, 2022.\n\n© 2021 Fannie Mae.\n\n12.2.21\n\n1 of 2\n\nTransition Preparation for Lenders and TSPs\n\n▪ Review “warning” messages. The UCD Collection Solution currently issues a “warning” message if the data\n\nprovided is missing, inconsistent, or incorrect according to the UCD specification. In preparation for the transition to\n“fatal edits, lenders should review all feedback messages returned by the UCD Collection Solution and resolve any\nissues, particularly those relating to future “fatal” edits.\n\n▪ Test your UCD XML file. Access the UCD Collection Solution Testing Environment to test your UCD XML files to\n\nresolve potentially fatal issues prior to the phased releases.\n\n▪ Review the updated UCD Fatal Edits Matrix 2.0. Fannie Mae and Freddie Mac (the GSEs) published updates to the\nmatrix, which contains the edits and associated datapoints for all phases. Lenders are encouraged to familiarize\nthemselves with the matrix prior to implementation.\n\n▪ Review the UCD Fatal Edits - Implementation Guide. This resource was created to provide guidance on the\n"}
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+++ b/chunks/json/1fb5672a1396e8fe9f0dfeafdc3cfacf240cfa8437c96c79163dcbef787db01d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3321,"char_start":1601,"chunk_id":"chk_5cd84c15fc4fd1d1","chunk_index":1,"chunk_sha256":"1fb5672a1396e8fe9f0dfeafdc3cfacf240cfa8437c96c79163dcbef787db01d","date_utc":"2026-01-27T18:32:51+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_5a40ad32f513b121","text_sha256":"1fb5672a1396e8fe9f0dfeafdc3cfacf240cfa8437c96c79163dcbef787db01d","token_estimate":430,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF2_Appraisal/_.xml/SF2_Appraisal_v1.3.xml"]},"text":"Materials have minimal depreciation and appear to be well-maintained.\n\nTypicalWearAndTear\n\nCeramic tile and upgraded fixtures\n\nFullBathroom\n\nNotUpdated\n\n\\\\Images\\SF2_LivingRoom.png\n\nimage/png\n\nLevelOne\n\nLivingRoom\n\nLevelOne\n\nDiningRoom\n\n\\\\Images\\SF2_Kitchen.png\n\nimage/png\n\nLevelOne\n\nMaterials have minimal depreciation and appear to be well-maintained.\n\nTypicalWearAndTear\n\nKitchen includes commercial grade appliances and granite countertops\n\nKitchen\n\nNotUpdated\n\nLevelOne\n\nFamilyRoom\n\n\\\\Images\\SF2_HalfBath.png\n\nimage/png\n\nLevelOne\n\nMaterials have minimal depreciation and appear to be well-maintained.\n\nTypicalWearAndTear\n\nCeramic tile and upgraded fixtures\n\nHalfBathroom\n\nNotUpdated\n\nLevelTwo\n\nBedroom\n\nLevelTwo\n\nBedroom\n\nLevelTwo\n\nBedroom\n\nBath 2\n\n\\\\Images\\SF2_Bath2.png\n\nimage/png\n\nLevelTwo\n\nMaterials have minimal depreciation and appear to be well-maintained.\n\nTypicalWearAndTear\n\nCeramic tile and upgraded fixtures\n\nFullBathroom\n\nNotUpdated\n\nBath 3\n\n\\\\Images\\SF2_Bath3.png\n\nimage/png\n\nLevelTwo\n\nMaterials have minimal depreciation and appear to be well-maintained.\n\nTypicalWearAndTear\n\nCeramic tile and upgraded fixtures\n\nFullBathroom\n\nNotUpdated\n\nTop Floor Bedroom\n\n\\\\Images\\SF2_Bedroom.png\n\nimage/png\n\nLevelThree\n\nBedroom\n\nBath 4\n\n\\\\Images\\SF2_Bath4.png\n\nimage/png\n\nLevelThree\n\nMaterials have minimal depreciation and appear to be well-maintained.\n\nTypicalWearAndTear\n\nBathroom includes upgraded marble tile and high-end fixtures.\n\nFullBathroom\n\nNotUpdated\n\nRowhouseTownhouse\n\nSiteBuilt\n\nBrick\n\nWood\n\nEvidence of possible termite infestation.\n\nTypicalWearAndTear\n\nThe exterior walls and trim use upper end finishes and materials. Trim is more extensive than that typically seen for these types of structures.\n"}
diff --git a/chunks/json/1fc25a0fb4d2b89492f30d4e7295786d03eb91aaed2f34727250f567bd16aae5.json b/chunks/json/1fc25a0fb4d2b89492f30d4e7295786d03eb91aaed2f34727250f567bd16aae5.json
new file mode 100644
index 0000000000000000000000000000000000000000..1db1e20be7b352af46a176ab4196f3039bbe4743
--- /dev/null
+++ b/chunks/json/1fc25a0fb4d2b89492f30d4e7295786d03eb91aaed2f34727250f567bd16aae5.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":469689,"char_start":467900,"chunk_id":"chk_02687a1c9cd06dfd","chunk_index":278,"chunk_sha256":"1fc25a0fb4d2b89492f30d4e7295786d03eb91aaed2f34727250f567bd16aae5","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"1fc25a0fb4d2b89492f30d4e7295786d03eb91aaed2f34727250f567bd16aae5","token_estimate":447,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Appendix F-1: URAR Reference Guide\n\nPage 198 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n18 Project Information\n\nUnit Tax Abatements or Exemptions\n\nThe Unit Tax Abatements or Exemptions row always displays in the Project Factors table.\n\nProject Factors: Unit Tax Abatements or Exemptions\n\nAllowable\nAnswers / Format\n\nYes | No\n\nDefinition / Additional Guidance\n\nTax Abatement or Exemption: Indicates whether a tax reduction or exemption\nhas been granted.\nNote: If No, “None” displays in the Unit Tax Abatements or Exemptions row.\n\nDollar Amount\n\nTax Abatement or Exemption Amount: The annual amount granted in tax\nreductions or exemptions.\nNote: If estimated, provide commentary as to how the estimation was done in\nProject Factors Commentary (18.094).\n\nmm/yyyy\n\nTax Abatement or Exemption Expiration: Indicates when the tax reduction or\nexemption expires.\n\nReport\nField ID\n\nReport Label\n\nWhen to Include\n\nRequired if the\nproperty is in a\ncondominium,\ncooperative, condop,\nor PUD\n\nRequired if Tax\nAbatement or\nExemption is Yes, and\nthe amount is known\n\nRequired if Tax\nAbatement or\nExemption is Yes, and\nthe expiration date is\nknown\n\n18.073 Unit Tax\n\nAbatements or\nExemptions\n(Detail)\n\n18.073 Unit Tax\n\nAbatements or\nExemptions\n(Detail)\n\n18.073 Unit Tax\n\nAbatements or\nExemptions\n(Detail)\n\n18.083 Unit Tax\n\nAbatements or\nExemptions\n(Impact)\n\n18.093 Unit Tax\n\nAbatements or\nExemptions\n(Comment)\n\nRequired if Tax\nAbatement or\nExemption is Yes\n\nAdverse,\nBeneficial, or\nNeutral\n\nFree-form\n\nRequired if Tax\nAbatement or\nExemption is Yes, or as\nneeded\n\nCommentary on the nature of the tax abatement, sources of information, a\ndescription of the impact to value and / or marketability, and any other details.\nNote: For further expansion of commentary, use Project Factors Commentary\n(18.094).\n"}
diff --git a/chunks/json/1fce7f08da5bd6dfc74693f53e446e95c7942017d5b41a15617b482f5b44e04a.json b/chunks/json/1fce7f08da5bd6dfc74693f53e446e95c7942017d5b41a15617b482f5b44e04a.json
new file mode 100644
index 0000000000000000000000000000000000000000..df0e4aa3acc997a0dccce8c84349cc706c5fb2b3
--- /dev/null
+++ b/chunks/json/1fce7f08da5bd6dfc74693f53e446e95c7942017d5b41a15617b482f5b44e04a.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":311179,"char_start":309532,"chunk_id":"chk_735ae4f8b780418c","chunk_index":178,"chunk_sha256":"1fce7f08da5bd6dfc74693f53e446e95c7942017d5b41a15617b482f5b44e04a","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"1fce7f08da5bd6dfc74693f53e446e95c7942017d5b41a15617b482f5b44e04a","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"<PARTY>\n\n<INDIVIDUAL>\n\n<CONTACT_POINTS>\n <CONTACT_POINT>\n\n<CONTACT_POINT_EMAIL>\n\n<ContactPointEmailValue>ljones@betabroker.com</ContactPointEmailValue>\n\n</CONTACT_POINT_EMAIL>\n\n</CONTACT_POINT>\n <CONTACT_POINT>\n\n<CONTACT_POINT_TELEPHONE>\n\n<ContactPointTelephoneValue>8884567890</ContactPointTelephoneValue>\n\n</CONTACT_POINT_TELEPHONE>\n\n</CONTACT_POINT>\n </CONTACT_POINTS>\n <NAME>\n\n<FirstName>Linda</FirstName>\n <LastName>Jones</LastName>\n\n</NAME>\n </INDIVIDUAL>\n <ROLES>\n <ROLE>\n\n<LICENSES>\n <LICENSE>\n\n<LICENSE_DETAIL>\n\n<LicenseIdentifier>888977</LicenseIdentifier>\n\n</LICENSE_DETAIL>\n\n</LICENSE>\n </LICENSES>\n <ROLE_DETAIL>\n\n<PartyRoleType>MortgageBroker</PartyRoleType>\n\n</ROLE_DETAIL>\n\n</ROLE>\n </ROLES>\n </PARTY>\n\n<!–Mortgage Broker Company→\n\n<PARTY>\n <LEGAL_ENTITY>\n\n<LEGAL_ENTITY_DETAIL>\n\n<FullName>Beta Brokerage Services</FullName>\n\n</LEGAL_ENTITY_DETAIL>\n\n</LEGAL_ENTITY>\n <ADDRESSES>\n <ADDRESS>\n\n<AddressLineText>222 Midtown Circle</AddressLineText>\n <AddressType>Mailing</AddressType>\n\nUCD v2.0 Implementation Guide\n\n- 144 -\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<CityName>Sometown</CityName>\n <PostalCode>12343</PostalCode>\n <StateCode>ST</StateCode>\n\n</ADDRESS>\n </ADDRESSES>\n <ROLES>\n <ROLE>\n\n<LICENSES>\n <LICENSE>\n\n<LICENSE_DETAIL>\n\n<LicenseIdentifier>222222</LicenseIdentifier>\n\n</LICENSE_DETAIL>\n\n</LICENSE>\n </LICENSES>\n <ROLE_DETAIL>\n\n<PartyRoleType>MortgageBroker</PartyRoleType>\n\n</ROLE_DETAIL>\n\n</ROLE>\n </ROLES>\n </PARTY>\n\n<!-- Selling Real Estate Agent (for Borrower) Individual Contact →\n"}
diff --git a/chunks/json/1fcfc37115924560ef1a63f0081148f5c113ef59dd619ec92c84a123d92cd719.json b/chunks/json/1fcfc37115924560ef1a63f0081148f5c113ef59dd619ec92c84a123d92cd719.json
new file mode 100644
index 0000000000000000000000000000000000000000..2cacdcf17f9818ec1079814b0860a354836cc3d4
--- /dev/null
+++ b/chunks/json/1fcfc37115924560ef1a63f0081148f5c113ef59dd619ec92c84a123d92cd719.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":148868,"char_start":147265,"chunk_id":"chk_88eb0de7f1819020","chunk_index":87,"chunk_sha256":"1fcfc37115924560ef1a63f0081148f5c113ef59dd619ec92c84a123d92cd719","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1fcfc37115924560ef1a63f0081148f5c113ef59dd619ec92c84a123d92cd719","token_estimate":401,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Heating Type\n\nSpecifies the type of heating.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/HEATING[@_Type='Other']\n\n175\n\nIMPROVEMENTS\n\nHeating\nOther Description\n\nHeating Type Other\nDescription\n\nA free form text field used to collect\nadditional information when Other is\nselected for Heating Type.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/HEATING[@_Type='Other']/@_Type\nOtherDescription\n\n176\n\nIMPROVEMENTS\n\nHeating\nFuel\n\nHeating Fuel\nDescription\n\nA free-form text field used to describe\nthe fuel used by the heating unit.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/HEATING/@_FuelDescription\n\n17\n\n10\n\n15\n\nEnumerated\n\nUAD Instruction - Refer to Appendix D Improvements Section\nA separate Heating source should be provided for each box that is checked. If\nno heat source is present, the 'Other' box should be checked and 'None' must be\nindicated in the description field.\n\nString\n\nString\n\nUAD Instruction - Refer to Appendix D Improvements Section\nIf no heat source, the 'Other' box should be checked and 'None' should be\nindicated.\n\nUAD Instruction - Refer to Appendix D Improvements Section\nThis field should indicate the fuel used for heating, if any. If no heating, then\n'None' should be indicated.\n\n170\n\nIMPROVEMENTS\n\n171\n\nIMPROVEMENTS\n\n172\n\nIMPROVEMENTS\n\n173\n\nIMPROVEMENTS\n\n174\n\nIMPROVEMENTS\n\nAttic\nHeated\n\nHeating\nFWA\n\nHeating\nHWBB\n\nHeating\nRadiant\n\nHeating\nOther\n\n183\n\n1\n\n177\n\nIMPROVEMENTS\n\nCooling\nCentral Air Conditioning\n\nCooling Centralized\nIndicator\n\nIndicates that the structure has a\ncentral cooling unit indicator.\n\n/VALUATION_RESPONSE/PROPERTY/STR\nUCTURE/COOLING/@_CentralizedIndicator\n\n1\n\nBoolean\n"}
diff --git a/chunks/json/1fd595d9f9ac01bfe4e1c09187b39b9bca7c6eb2dd7231ef772e8f2a4dc0ff1b.json b/chunks/json/1fd595d9f9ac01bfe4e1c09187b39b9bca7c6eb2dd7231ef772e8f2a4dc0ff1b.json
new file mode 100644
index 0000000000000000000000000000000000000000..3d0a002af2a44727421ee7d90784d60a668fd189
--- /dev/null
+++ b/chunks/json/1fd595d9f9ac01bfe4e1c09187b39b9bca7c6eb2dd7231ef772e8f2a4dc0ff1b.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":20234,"char_start":18634,"chunk_id":"chk_9a3ed6011326fe54","chunk_index":13,"chunk_sha256":"1fd595d9f9ac01bfe4e1c09187b39b9bca7c6eb2dd7231ef772e8f2a4dc0ff1b","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6fb273234d375c90","text_sha256":"1fd595d9f9ac01bfe4e1c09187b39b9bca7c6eb2dd7231ef772e8f2a4dc0ff1b","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-numbered-closing-disclosure.pdf"]},"text":"If the property was appraised for your loan, your lender is required to\ngive you a copy at no additional cost at least 3 days before closing.\nIf you have not yet received it, please contact your lender at the\ninformation listed below.\nContract Details\nSee your note and security instrument for information about\n\n• what happens if you fail to make your payments,\n• what is a default on the loan,\n• situations in which your lender can require early repayment of\n\nthe loan, and\n\n• the rules for making payments before they are due.\n22.1 Liability after Foreclosure\nIf your lender forecloses on this property and the foreclosure does\nnot cover the amount of unpaid balance on this loan,\n state law may protect you from liability for the unpaid balance.\n\nIf you refinance or take on any additional debt on this\nproperty, you may lose this protection and have to pay any\ndebt remaining even after foreclosure. You may want to\nconsult a lawyer for more information.\n\n state law does not protect you from liability for the unpaid\n\nbalance.\nLoan Acceptance\nYou do not have to accept this loan because you have received this\nform or signed a loan application.\nRefinance\nRefinancing the loan will depend on your future financial situation,\nthe property value, and market conditions. You may not be able to\nrefinance this loan.\nTax Deductions\nIf you borrow more than this property is worth, the interest on the loan\namount above this property’s fair market value is not deductible from\nyour federal income taxes. You should consult a tax advisor for more\ninformation.\n\nContact Information\n\n23.0\n\n23.0.1 Lender\n"}
diff --git a/chunks/json/1fdbbd50f0ee7c06f07e45765bce7b2c165782cbb8369a5c6c283cd0bf65384d.json b/chunks/json/1fdbbd50f0ee7c06f07e45765bce7b2c165782cbb8369a5c6c283cd0bf65384d.json
new file mode 100644
index 0000000000000000000000000000000000000000..4b05d3fa282201af81dac99bb965356cd41fd374
--- /dev/null
+++ b/chunks/json/1fdbbd50f0ee7c06f07e45765bce7b2c165782cbb8369a5c6c283cd0bf65384d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":371827,"char_start":370228,"chunk_id":"chk_ab481d3eee26babb","chunk_index":217,"chunk_sha256":"1fdbbd50f0ee7c06f07e45765bce7b2c165782cbb8369a5c6c283cd0bf65384d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1fdbbd50f0ee7c06f07e45765bce7b2c165782cbb8369a5c6c283cd0bf65384d","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"This field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor.\n\nThis field may not exist in all forms\nvendor software.\n\nAppraiser\nAdditional File\nIdentifier Name\n\nSecondary report identifier used by the\nappraiser to identify appraisal reports.\nThis field may carry the FHA number,\ncase number, loan number or some other\nidentifier.\n\nAppraiser\nAdditional File\nIdentifier\n\nUsed to indicate by name the type of\nidentifier represented by\nAppraisersAdditionalFileIdentifier.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifierName\n\n50\n\nString\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms\nvendor software.\n\n/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier\n\n50\n\nString\n\nThis field occurs on every page of the form and must be consistent. The placement of\nthe header on the form varies from vendor to vendor. The print reference placement on\nAppendix C is not required and is for illustrative purposes only.\n\nThis field may not exist in all forms\nvendor software.\n\n2\n\n3\n\n4\n\n5\n\n6\n\n1\n\n1\n\n1\n\n1\n\n2\n\n3\n\n4\n\nHEADER\n\nBLANK\n\nHEADER\n\nFile #\n\nHEADER\n\nBLANK\n\n4a\n\nHEADER\n\nBLANK\n\n7\n\n1\n\n6\n\nSUBJECT\n\nProperty Address\n\nProperty Street\nAddress\n\nThe unstructured (Unparsed) street\naddress of the subject property (e.g., 123\nMain Street).\n\n/VALUATION_RESPONSE/PROPERTY/@_StreetAddress\n\n60\n\nString\n"}
diff --git a/chunks/json/1fdeda961afb78ffb995485a47771bd0def89e49f5af7a9b4893ff0e42288cb4.json b/chunks/json/1fdeda961afb78ffb995485a47771bd0def89e49f5af7a9b4893ff0e42288cb4.json
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index 0000000000000000000000000000000000000000..aa79a76e3e0634a0126ecb8c6b40db5a88283759
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+++ b/chunks/json/1fdeda961afb78ffb995485a47771bd0def89e49f5af7a9b4893ff0e42288cb4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":78306,"char_start":76113,"chunk_id":"chk_657cb5f939109ffc","chunk_index":48,"chunk_sha256":"1fdeda961afb78ffb995485a47771bd0def89e49f5af7a9b4893ff0e42288cb4","date_utc":"2026-01-27T18:02:23+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a9e0f8b7fae675c8","text_sha256":"1fdeda961afb78ffb995485a47771bd0def89e49f5af7a9b4893ff0e42288cb4","token_estimate":548,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-implementation-guide.pdf"]},"text":"DU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n43\n\nData PointsContainers4b. Other New Mortgage Loans on the Property You Are Buying or RefinancingLOAN_DETAILDEALPAYMENT_RULEInitialPrincipalAndInterestPaymentAmountTERMS_OF_LOANLienPriorityTypeNoteAmountLOANSLOANLoanRoleType(attribute)PAYMENTHELOC_RULEHELOCHELOC_OCCURENCEHELOC_OCCURENCESHELOCBalanceAmountHELOCMaximumBalanceAmountHELOCIndicatorPARTIESPARTYLEGAL_ENTITYLEGAL_ENTITY_DETAILROLESROLEROLE_DETAILFullNamePartyRoleTypeINDIVIDUALNAMEFullNameORIGINATION_FUNDFundsSourceTypeFundsSourceTypeOtherDescriptionORIGINATION_FUNDS\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n44\n\n4d. Gifts or Grants You Have Been Given or Will Receive for This LoanDEALASSETSASSETASSET_DETAILAssetTypeFundsSourceTypeFundsSourceTypeOtherDescriptionAssetCashOrMarketValueAmountOTHERULAD:IncludedInAssetAccountIndicatorData PointsContainersLegend:4c. Rental Income on the Property You Want to PurchaseSUBJECT_PROPERTYPROPERTY_DETAILRentalEstimatedGrossMonthlyRentAmountRentalEstimatedNetMonthlyRentAmountCOLLATERALSDEALCOLLATERALEXTENSIONULAD:ASSET_DETAIL_EXTENSION\n\nDU Spec Implementation Guide\n\nFannie Mae Proprietary & Confidential\n\n45\n\nData PointsContainersLegend:5a. About this Property and Your Money for this Loan5b. About Your FinancesOTHERDEALBANKRUPTCYPARTYEXTENSIONPARTIESULAD:SpecialBorrowerSellerRelationshipIndicatorROLESROLEBORROWERBANKRUPTCIESBankruptcyChapterTypeDECLARATIONIntentToOccupyTypeHomeownerPastThreeYearsTypePriorPropertyUsageTypeFHASecondaryResidenceIndicatorPriorPropertyTitleTypeUndisclosedBorrowedFundsIndicatorUndisclosedBorrowedFundsAmountUndisclosedMortgageApplicationIndicatorUndisclosedCreditApplicationIndicatorPropertyProposedCleanEnergyLienIndicatorUndisclosedComakerOfNoteIndicatorOutstandingJudgmentsIndicatorPresentlyDelinquentIndicatorPartyToLawsuitIndicatorPriorPropertyDeedInLieuConveyedIndicatorPriorPropertyShortSaleCompletedIndicatorPriorPropertyForeclosureCompletedIndicatorBankruptcyIndicatorDECLARATION_DETAILBANKRUPTCY_DETAILULAD:DECLARATION_DETAIL_EXTENSIONDU:BORROWER_FEATUREOTHEREXTENSIONDU:BORROWER_EXTENSIONDU:BORROWER_FEATURESDU:DUPolicyFeatureDescription\n"}
diff --git a/chunks/json/1fe26461dab5c83d32cebdfa4a81d67465e773336a42efe83afbf3af7d6cad03.json b/chunks/json/1fe26461dab5c83d32cebdfa4a81d67465e773336a42efe83afbf3af7d6cad03.json
new file mode 100644
index 0000000000000000000000000000000000000000..dfc2b6bdc111332898c9496012c45a592e1cbe24
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+++ b/chunks/json/1fe26461dab5c83d32cebdfa4a81d67465e773336a42efe83afbf3af7d6cad03.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":44428,"char_start":42824,"chunk_id":"chk_5a81cf89db4c11cf","chunk_index":25,"chunk_sha256":"1fe26461dab5c83d32cebdfa4a81d67465e773336a42efe83afbf3af7d6cad03","date_utc":"2026-01-27T18:10:57+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bdf717442da26d13","text_sha256":"1fe26461dab5c83d32cebdfa4a81d67465e773336a42efe83afbf3af7d6cad03","token_estimate":401,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2024-enterprise-pudb-data-dictionary.pdf"]},"text":"Multifamily Properties\nNational File Property Level\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nafford_mf\n\nAffordability Category\n\n1 = >=20% of the units in the property\nare affordable at or below 50% of Area\nMedian Income (AMI), and <40% are\naffordable at or below 60% AMI\n2 = <20% and >=40%\n3 = >=20% and >=40%\n4 = <20% and <40%\n8 = Not available\n9 = Not eligible\n0 = Missing\n\n1 = Originated in same year as\nacquired\n2 = Originated prior to calendar year of\nacquisition\n9 = Missing\n1 = Purchase\n2 = Refinancing (all types)\n3 = New construction\n4 = Home Improvement/Rehabilitation\n9 = Not applicable/not available\n\n6\n\n1\n\nsame_year_acq\n\nDate of Mortgage Note\n\n7\n\n1\n\npurpose_mf_nf\n\nPurpose of Loan\n\n8\n\n1\n\nseller_type_mf_nf\n\nType of Seller Institution 1 = Mortgage Company\n\n2 = Savings Association Insurance\nFund (SAIF) - or Bank Insurance Fund\n(BIF)-insured depository institution\n3 = NCUA-insured Credit Union\n4 = Other/unknown\n\nPurpose of loan reported by the Enterprise.\n\nThe type of seller that sold the mortgage to the\nEnterprise; this is not necessarily the\noriginating lender. The SAIF and BIF were\nmerged in 2006 to form the Deposit Insurance\nFund (DIF), see\nhttps://www.fdic.gov/news/financial-\ninstitution-letters/2006/fil06036.html.\n\nMF NFP\n\n34\n\nEnterprise Public Use Database Data Dictionary\nData Release of 2024 Acquisitions\n\nMultifamily Properties\nNational File Property Level\n\nHeader Name\n\nField Name\n\nValues\n\nDescription / Comments\n\nFederal Housing\nFinance Agency\n\nField # Field\nWidth\n1\n\n9\n\nfed_guarantee_mf_nf\n\nFederal Guarantee\n\n10\n\n1\n\nunits_num_cat\n\nTotal Number of Units\n"}
diff --git a/chunks/json/1ff3c02e1afbad930df20322e05e1835abbe7f381dcd1dd1e4eca2face8fb0f4.json b/chunks/json/1ff3c02e1afbad930df20322e05e1835abbe7f381dcd1dd1e4eca2face8fb0f4.json
new file mode 100644
index 0000000000000000000000000000000000000000..0694cca626e9a7ae528ef6c3d2b69ff973622037
--- /dev/null
+++ b/chunks/json/1ff3c02e1afbad930df20322e05e1835abbe7f381dcd1dd1e4eca2face8fb0f4.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":330039,"char_start":327973,"chunk_id":"chk_02e28e2ee15b289d","chunk_index":274,"chunk_sha256":"1ff3c02e1afbad930df20322e05e1835abbe7f381dcd1dd1e4eca2face8fb0f4","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"1ff3c02e1afbad930df20322e05e1835abbe7f381dcd1dd1e4eca2face8fb0f4","token_estimate":517,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Report\nField ID\n\nReport Label\n\nUnique ID MISMO Data Point Name\n\nDisplay Rules\n\nProject Information: Project Factors and Impact to Value/Marketability\n\nPage 252\n\n18.065\n\nDetail\n\n2500.0071\n\nProjectComponentCategoryType\n\n18.075\n\nImpact\n\n2500.0141 ValueMarketabilityImpactType\n\n18.085\n\nComment\n\n2500.0140 ValuationCommentText\n\nProject Factor: Converted in Past 3 Years\n\n18.066\n\nDetail\n\n2500.0049\n\nProjectConversionOriginalUseType\n\n18.076\n\nImpact\n\n2500.0138 ValueMarketabilityImpactType\n\n18.086\n\nComment\n\n2500.0137 ValuationCommentText\n\nProject Factor: Single Entity Ownership of Multiple Units (Figure 18 - 4)\n\n18.067\n\nDetail\n\n2500.0078\n\nSingleEntityGreatestNumberOfUnitsCount\n\n18.077\n\nImpact\n\n2500.0135 ValueMarketabilityImpactType\n\n18.087\n\nComment\n\n2500.0134 ValuationCommentText\n\nProject Factor: Single Entity Ownership of Multiple Shares\n\n18.068\n\nDetail\n\n2500.0076\n\nSingleEntityGreatestNumberOfSharesCount\n\n18.078\n\nImpact\n\n2500.0132 ValueMarketabilityImpactType\n\n18.088\n\nComment\n\n2500.0131 ValuationCommentText\n\nProject Factor: Commercial Space\n\nWhen multiple items are not complete, display in same row separated by\n\"|\"\nDisplay when ValuationAnalysisCategoryType (UID: 2500.0139, FID: Not on\nreport) = \"IncompleteProject\"\nDisplay comment\nDisplay when PropertyInProjectIndicator = “true” AND\nProjectConversionIndicator = “true”\nDisplay when PropertyInProjectIndicator = \"true\" AND\nProjectConversionIndicator = \"true\".\nDisplay “Prior Use:” and value.\nDisplay when ValuationAnalysisCategoryType (UID: 2500.0136, FID: Not on\nreport) = \"ProjectConversion\"\nDisplay comment\n\nDisplay when ProjectLegalStructureType = “Condominium”\nDisplay when ProjectLegalStructureType = \"Condominium\".\nDisplay \"Greatest Number of Units Owned-\" and value. Cannot be 0.\nDisplay when ValuationAnalysisCategoryType (UID: 2500.0133, FID: Not on\nreport) = “SingleEntityGreatestNumberOfUnitsOwned”\nDisplay when ((ValueMarketabilityImpactType = \"Adverse\" OR \"Beneficial\")\nOR\n(ValueMarketabilityImpactType = \"Neutral\" AND Exists))\nDisplay when ProjectLegalStructureType = \"Cooperative\" OR \"Condop\"\n"}
diff --git a/chunks/json/1ff48eec1633074487689842f6725a174ebb8e648ef61665f6bbdc1fd59083d9.json b/chunks/json/1ff48eec1633074487689842f6725a174ebb8e648ef61665f6bbdc1fd59083d9.json
new file mode 100644
index 0000000000000000000000000000000000000000..f65c6ad9ff894382b8bb91276321eeddebc877ac
--- /dev/null
+++ b/chunks/json/1ff48eec1633074487689842f6725a174ebb8e648ef61665f6bbdc1fd59083d9.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":479562,"char_start":477759,"chunk_id":"chk_36e8baf4793e749a","chunk_index":359,"chunk_sha256":"1ff48eec1633074487689842f6725a174ebb8e648ef61665f6bbdc1fd59083d9","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"1ff48eec1633074487689842f6725a174ebb8e648ef61665f6bbdc1fd59083d9","token_estimate":451,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"When Additional Appraiser Certifications – AppraiserAdditionalCertificationIndicator (UID: 2200.0034, FID: Not on report)\n\n• “true”\n\no Display sub-header: Additional Appraiser Certifications (FID: 29.052)\no Display in italics below sub-header: Additional Appraiser Certifications cannot be contrary to the original Appraiser\n\nCertifications.\n\no Deliver ValuationAdditionalCertificationIncludedByType = “Appraiser”\no Display the text from ValuationAdditionalCertificationText (UID: 2200.0013, FID: 29.053) and deliver in XML.\n\n▪ Additional certifications are numbered starting at 1.\n\nAppendix B-1: URAR Implementation Guide v1.3\n\n• “false”\n\no Do not display\n\nSupervisory Appraiser Certifications\n\nReport\nField ID\n\nCert # Certifications Text\n\n29.054\n\nSupervisory Appraiser Certifications\n\n29.055\n\nThe Supervisory Appraiser certifies and agrees that:\n\nPage 373\n\nDisplay Rules\n\n29.056\n\n29.057\n\n29.058\n\n29.059\n\n29.060\n\n29.071\n\n29.072\n\n29.073\n\n1\n\n2\n\n3\n\n4\n\n5\n\n6\n\n7\n\n8\n\nI have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective\nowners or occupants of the subject property, or other parties involved in this transaction.\n\nI performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this\nreport, or the demographics of the area where the property is located.\n\nI am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that\napply to the appraiser and to the assignment.\n\nI directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser’s analyses,\nopinions, statements, conclusions, and the appraiser’s certification.\n"}
diff --git a/chunks/json/1ff536429f68e835b89ba8889b3859a666667702276766f6cb51074c2d98942d.json b/chunks/json/1ff536429f68e835b89ba8889b3859a666667702276766f6cb51074c2d98942d.json
new file mode 100644
index 0000000000000000000000000000000000000000..84e36bb7379e17d274ad939486d163100c3f2c79
--- /dev/null
+++ b/chunks/json/1ff536429f68e835b89ba8889b3859a666667702276766f6cb51074c2d98942d.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":619105,"char_start":617506,"chunk_id":"chk_8ec2f71fe2d789d6","chunk_index":365,"chunk_sha256":"1ff536429f68e835b89ba8889b3859a666667702276766f6cb51074c2d98942d","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"1ff536429f68e835b89ba8889b3859a666667702276766f6cb51074c2d98942d","token_estimate":400,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"At least one but no more than two\nvalues are required.\n\nR\n\nR\n\nR\n\n416\n\n3\n\ne-7\n\nSALES\nCOMPARISON\nAPPROACH\n\nView\n\n(View Type Other Description)\n\nGSE View Type\nOther Description\n\nThe type of view associated with the\nproperty if other is selected.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO\nN/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON\n_VIEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL_EXTENSIO\nN_SECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL\nDATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_DATA\n/COMPARISON_VIEW_DETAIL[@GSEViewType='Other']/@GSEViewTypeOt\nherDescription\n\n19\n\nString\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nIf a view factor not on the list provided materially affects the value of the property, the\nappraiser must select “other” and enter a description of the view associated with the\nproperty. Free-form descriptions should be entered carefully because data will be\ntruncated on the appraisal report form if it exceeds available space for that field.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions.\n\nThis field is required if the value of\nfield e-6 (GSE View Type) is ‘Other’.\n\nCR\n\nCR\n\nCR\n\n417\n\n418\n\n419\n\n3\n\n3\n\n3\n\n78\n\n79\n\n80\n\nSALES\nCOMPARISON\nAPPROACH\n\nView Adjustment\n\nSALES\nCOMPARISON\nAPPROACH\n\nDesign (Style)\n\nSALES\nCOMPARISON\nAPPROACH\n\nDesign (Style) Adjustment\n\nSale Price\nAdjustment\nAmount\n\nSale Price\nAdjustment\nDescription\n\nSale Price\nAdjustment\nAmount\n\nThe dollar amount of the adjustment\napplied to the sale price for the property\nfeature identified by Sale Price\nAdjustment Type.\n"}
diff --git a/chunks/json/1ffb17a7182be7fe57b279bb4bef1c0c695027eeab482b7b887a0f17e9513aca.json b/chunks/json/1ffb17a7182be7fe57b279bb4bef1c0c695027eeab482b7b887a0f17e9513aca.json
new file mode 100644
index 0000000000000000000000000000000000000000..f57e063ee7255b730b6da7c7b8eac448f58c0d25
--- /dev/null
+++ b/chunks/json/1ffb17a7182be7fe57b279bb4bef1c0c695027eeab482b7b887a0f17e9513aca.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":3522,"char_start":1818,"chunk_id":"chk_cd63ff19c3067553","chunk_index":1,"chunk_sha256":"1ffb17a7182be7fe57b279bb4bef1c0c695027eeab482b7b887a0f17e9513aca","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_703da149b1018a8c","text_sha256":"1ffb17a7182be7fe57b279bb4bef1c0c695027eeab482b7b887a0f17e9513aca","token_estimate":426,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-120-release-nov-15-2025.pdf"]},"text":"In addition, the minimum representative credit score of 720 for borrowers financing a second home or investment property who\nwill be obligated on seven to ten financed properties (multiple financed properties) will be removed for loan casefiles submitted\nor resubmitted on or after the weekend of Nov. 15, 2025.\n\nNote: Since DU will no longer apply an average median credit score requirement, the message referencing both the\nrepresentative and average median credit scores will be replaced by a new message specifying only the representative\ncredit score.\n\nThough DU will no longer apply a minimum credit score requirement, lenders are still responsible for ensuring that credit scores\nfor all borrowers are requested from the permitted credit score versions outlined in section B3-5.1-01, General Requirements for\nCredit Scores of the Selling Guide before a loan can be sold to Fannie Mae. DU will issue a new message on loan casefiles created\non or after Nov. 16, 2025, when it appears that credit scores from the permitted credit score versions were not ordered for all\nborrowers reminding lenders to ensure that credit scores for all borrowers are requested from the permitted credit score\nversions.\n\n© 2025 Fannie Mae.\n\n11.5.25\n\n1 of 2\n\nDocumentation Updates for Borrowers without Traditional Credit\n\nThe DU nontraditional credit documentation requirements and homebuyer education requirements for borrowers without credit\nscores will be updated to only apply to DU loan casefiles for borrowers that do not have at least one credit account or installment\naccount reported on their credit report. DU will issue messages specifying when those documentation and education\nrequirements need to be met.\n"}
diff --git a/chunks/json/200454ec6123696e604e8ae84843e07a1ca3e58d73d1a5f0a0aa7826c707cdf0.json b/chunks/json/200454ec6123696e604e8ae84843e07a1ca3e58d73d1a5f0a0aa7826c707cdf0.json
new file mode 100644
index 0000000000000000000000000000000000000000..091fabc3d5c041928937ff642676525a52a14f7a
--- /dev/null
+++ b/chunks/json/200454ec6123696e604e8ae84843e07a1ca3e58d73d1a5f0a0aa7826c707cdf0.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":342087,"char_start":340465,"chunk_id":"chk_ae786b094838a052","chunk_index":281,"chunk_sha256":"200454ec6123696e604e8ae84843e07a1ca3e58d73d1a5f0a0aa7826c707cdf0","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"200454ec6123696e604e8ae84843e07a1ca3e58d73d1a5f0a0aa7826c707cdf0","token_estimate":406,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"Displays when ListedWithinPreviousYearIndicator = \"true\" AND Exists\n\n19.006\n\nEnd Date\n\n0900.0010\n\nListingEndDate\n\nDisplays when ListedWithinPreviousYearIndicator = \"true\" AND Exists\n\nDisplays when ListedWithinPreviousYearIndicator = \"true\"\no Display ‘1’ for properties that were listed on the market and placed under contract on\n\n19.007\n\nDOM\n\n0900.0007\n\nDaysOnMarketCount\n\nthe same day.\n\no Display ‘0’ for properties that were not listed on the open market through a publicly\n\navailable source (e.g., Listing Type is FSBO (For Sale by Owner)).\n\n19.008\n\nStarting List Price\n\n0900.0009\n\nInitialListPriceAmount\n\nDisplays when ListedWithinPreviousYearIndicator = \"true\" AND Exists\n\n19.009\n\nCurrent or Final List Price\n\n0900.0008\n\nFinalListPriceAmount\n\nDisplays when ListedWithinPreviousYearIndicator = \"true\"\n\n19.010\n\nTotal DOM\n\n0900.0003\n\nCumulativeDaysOnMarketCount\n\n19.011\n\nAnalysis of Subject\nProperty Listing History\n\n0900.0020\n0900.0021\n\nValuationCommentText\nValuationAnalysisCategoryType\n\nDisplays when ListedWithinPreviousYearIndicator = \"true\"\no The sum of all DOM\n\nDisplays when ListedWithinPreviousYearIndicator = \"true\"\n\nFigure 19 - 1\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nXML Sample\n\nPage 260\n\nWhen ListedWithinPreviousYearIndicator (UID: 0900.0004, FID: 19.000) = “true”:\n\n• A table with listing information must display. (Figure 19 - 2)\n• When there are multiple relevant listings, each listing displays on a separate row. (Figure 19 - 3)\n• Do not report listings that resulted in a sale. These are reported in the Prior Sale and Transfer History section.\n\nAppendix B-1: URAR Implementation Guide v1.3\n"}
diff --git a/chunks/json/2005bcc8a944eaf3a1caa82e68862b970d71623f0e5067d15a742568462daeeb.json b/chunks/json/2005bcc8a944eaf3a1caa82e68862b970d71623f0e5067d15a742568462daeeb.json
new file mode 100644
index 0000000000000000000000000000000000000000..778b8699e9a631533bfe93eef678528eb8bcee4a
--- /dev/null
+++ b/chunks/json/2005bcc8a944eaf3a1caa82e68862b970d71623f0e5067d15a742568462daeeb.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1033910,"char_start":1032282,"chunk_id":"chk_e2a2e780b431dbcc","chunk_index":616,"chunk_sha256":"2005bcc8a944eaf3a1caa82e68862b970d71623f0e5067d15a742568462daeeb","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"2005bcc8a944eaf3a1caa82e68862b970d71623f0e5067d15a742568462daeeb","token_estimate":407,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"63\n\nNEIGHBORHOOD\n\n64\n\nNEIGHBORHOOD\n\n65\n\nNEIGHBORHOOD\n\nLocation\nUrban\n\nLocation\nSuburban\n\nLocation\nRural\n\nBuilt-Up\nOver 75%\n\nBuilt-Up\n25-75%\n\nBuilt-Up\nUnder 25%\n\nGrowth\nRapid\n\nGrowth\nStable\n\nGrowth\nSlow\n\nProperty Values\nIncreasing\n\nProperty Values\nStable\n\nProperty Values\nDeclining\n\nDemand/Supply\nShortage\n\nDemand/Supply\nIn Balance\n\nProperty\nNeighborhood\nLocation Type\nProperty\nNeighborhood\nLocation Type\nProperty\nNeighborhood\nLocation Type\n\nNeighborhood\nBuiltup Range Type\n\nNeighborhood\nBuiltup Range Type\n\nNeighborhood\nBuiltup Range Type\n\nNeighborhood\nGrowth Pace Type\n\nNeighborhood\nGrowth Pace Type\n\nNeighborhood\nGrowth Pace Type\n\nSpecifies the urban, suburban, or rural\nnature of the location of the subject\nproperty.\nSpecifies the urban, suburban, or rural\nnature of the location of the subject\nproperty.\nSpecifies the urban, suburban, or rural\nnature of the location of the subject\nproperty.\nSpecifies an estimated percentage range\nof available land in the neighborhood that\nhas been improved. FORM SPECIFIC\nSpecifies an estimated percentage range\nof available land in the neighborhood that\nhas been improved. FORM SPECIFIC\nSpecifies an estimated percentage range\nof available land in the neighborhood that\nhas been improved. FORM SPECIFIC\nSpecifies the rate at which the\nneighborhood is being developed or if it\nhas been fully developed.\nSpecifies the rate at which the\nneighborhood is being developed or if it\nhas been fully developed.\nSpecifies the rate at which the\nneighborhood is being developed or if it\nhas been fully developed.\n\n/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@Property\nNeighborhoodLocationType='Urban']\n"}
diff --git a/chunks/json/20076dedd8bc9c6f57617e274ea31e01eca4f0cf438d393c2aea869c4d5c8c0c.json b/chunks/json/20076dedd8bc9c6f57617e274ea31e01eca4f0cf438d393c2aea869c4d5c8c0c.json
new file mode 100644
index 0000000000000000000000000000000000000000..badb7d760827ae3c9b2ffecc8371ac901d99841f
--- /dev/null
+++ b/chunks/json/20076dedd8bc9c6f57617e274ea31e01eca4f0cf438d393c2aea869c4d5c8c0c.json
@@ -0,0 +1 @@
+{"chunk":{"char_end":1133852,"char_start":1132161,"chunk_id":"chk_e5d59beb94eecc78","chunk_index":673,"chunk_sha256":"20076dedd8bc9c6f57617e274ea31e01eca4f0cf438d393c2aea869c4d5c8c0c","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"20076dedd8bc9c6f57617e274ea31e01eca4f0cf438d393c2aea869c4d5c8c0c","token_estimate":423,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"PDF Display Format:\nIf less than 1 acre: Square feet, whole numbers only. If 1.00 acre or more: Acres,\nnumeric to 2 decimal places. Indicate the unit of measure as either ‘sf’ for square\nfeet or ‘ac’ for acres as appropriate.\n\nExamples:\n· 6400 sf\n 3 40 ac\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThe allowable values are listed below. When representing these values in the XML\nfile, they must be shown exactly as they appear below:\n\n10\n\nEnumerated\n\nAllowable Values PDF Display\nNeutral N\nBeneficial B\nAdverse A\n\nThis data is referenced more than once on the form in the Site Section, and must be\nrepresented consistently.\n\nRefer to Appendix E for PDF Rendering and Parsing Instructions\nUAD Requirement - Refer to Appendix D Sales Comparison Approach\nSection\nThe allowable values are listed below. When representing these values in the XML\nfile, they must be shown exactly as they appear below:\n\nR\n\nR\n\n243\n\n2\n\ne-6\n\nSALES\nCOMPARISON\nAPPROACH\n\nView\n\n(ViewType)\n\nGSE View Type\n\nThe type of view associated with the\nproperty.\n\n/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA\nRISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA\nRISON_VIEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL\n_EXTENSION_SECTION[@ExtensionSectionOrganizationName='UNIFO\nRM APPRAISAL\nDATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_\nDATA/COMPARISON_VIEW_DETAIL[@_SequenceIdentifier='1..2']/@G\nSEViewType\n\n19\n\nEnumerated\n\nAllowable Values PDF Display\nWaterView Wtr\nPastoralView Pstrl\nWoodsView Woods\nParkView Prk\nGolfCourseView Glfvw\nCityViewSkylineView CtySky\nMountainView Mtn\nResidentialView Res\nCityStreetView CtyStr\nIndustrialView Ind\nPowerLines PwrLn\nLimitedSight LtdSght\nOther *\n"}
diff --git a/chunks/json/2008e2cad552226876e8ad14f1b700aaaf5306db64db4e5f93efc3beddcc46b1.json b/chunks/json/2008e2cad552226876e8ad14f1b700aaaf5306db64db4e5f93efc3beddcc46b1.json
new file mode 100644
index 0000000000000000000000000000000000000000..61bebea5fd86062a0b030043d1e0fbbb3bc20a6f
--- /dev/null
+++ b/chunks/json/2008e2cad552226876e8ad14f1b700aaaf5306db64db4e5f93efc3beddcc46b1.json
@@ -0,0 +1 @@
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diff --git a/chunks/json/2405b9a74e084e87634067d6c67d4a6b9af29ad171920fbd0652fb28b690acc5.json b/chunks/json/2405b9a74e084e87634067d6c67d4a6b9af29ad171920fbd0652fb28b690acc5.json
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index 0000000000000000000000000000000000000000..7c70a8b830ba4d99e4691b99128dbda5b0232395
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+{"chunk":{"char_end":13770,"char_start":12203,"chunk_id":"chk_45051b336fc294d2","chunk_index":7,"chunk_sha256":"2405b9a74e084e87634067d6c67d4a6b9af29ad171920fbd0652fb28b690acc5","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_f1e9e323046af3f6","text_sha256":"2405b9a74e084e87634067d6c67d4a6b9af29ad171920fbd0652fb28b690acc5","token_estimate":426,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/FHFA_House_Price_Index____FHFA_57dbusi.md"]},"text":"## Tools\n\n---\n\n[HPI Calculator](/data/hpi/datasets?tab=hpi-calculator)\n\n[FHFA HPI® Top 100 Metro Area Rankings](/data/dashboard/fhfa-hpi-top-100-metro-area-rankings)\n\n[HPI Four-Quarter Appreciation Map](/data/dashboard/fhfa-hpi-four-quarter-appreciations)\n\n[HPI Summary Tables](/data/hpi/summary-tables)\n\n[HPI County](/data/dashboard/fhfa-hpi-county-map) and [HPI ZIP5](/data/dashboard/fhfa-hpi-zip5-map) Maps\n\n## FHFA HPI® Release Dates\n\n### 2026 HPI Release Dates\n\nDate Release Type Last Included Data **Tuesday, February 24** **Quarterly Index (with Monthly Tables)** **December 2025 and 2025Q4** Tuesday, March 31 Monthly Index January 2026 Tuesday, April 28 Monthly Index February 2026 **Tuesday, May 26** **Quarterly Index (with Monthly Tables)** **March 2026 and 2026Q1** Tuesday, June 30 Monthly Index April 2026 Tuesday, July 28 Monthly Index May 2026 **Tuesday, August 25** **Quarterly Index (with Monthly Tables)** **June 2026 and 2026Q2** Tuesday, September 29 Monthly Index July 2026 Tuesday, October 27 Monthly Index August 2026 **Tuesday, November 24** **Quarterly Index (with Monthly Tables)** **September 2026 and 2026Q3** Tuesday, December 29 Monthly Index October 2026\n\nFor questions, please contact [HPIQuestions@fhfa.gov](mailto:HPIQuestions@fhfa.gov).​​​​\n\n- - [Latest FHFA House Price Index® (HPI) report](/document/MonthlyHPI_January2026.pdf)\n- ​[Release dates for upcoming reports](/data/hpi#ReleaseDates)\n\nSign up for email updates\n\nLeave this field blank\n\n*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*\n"}