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@@ -57,3 +57,8 @@ saved_model/**/* filter=lfs diff=lfs merge=lfs -text
 # Video files - compressed
 *.mp4 filter=lfs diff=lfs merge=lfs -text
 *.webm filter=lfs diff=lfs merge=lfs -text
+APPRAISAL_RAG/export/corpus.xml filter=lfs diff=lfs merge=lfs -text
+APPRAISAL_RAG/export/instruction/instruction.jsonl filter=lfs diff=lfs merge=lfs -text
+APPRAISAL_RAG/export/rag/fts.sqlite filter=lfs diff=lfs merge=lfs -text
+APPRAISAL_RAG/export/rag/rag.jsonl filter=lfs diff=lfs merge=lfs -text
+APPRAISAL_RAG/export/train.csv filter=lfs diff=lfs merge=lfs -text

APPRAISAL_RAG/chunks/json/0007098262d51c9a0de96a3ef02f92c7247a6d23257d65301a47af9a241247bb.json

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+{"chunk":{"char_end":9545,"char_start":7623,"chunk_id":"chk_ae7e91cc210f8396","chunk_index":4,"chunk_sha256":"0007098262d51c9a0de96a3ef02f92c7247a6d23257d65301a47af9a241247bb","date_utc":"2026-01-27T18:10:50+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_6285a13a61bf13fa","text_sha256":"0007098262d51c9a0de96a3ef02f92c7247a6d23257d65301a47af9a241247bb","token_estimate":481,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/ama_pudb_definitions_123113.pdf"]},"text":"Co-Borrower Ethnicity\n1 -- Hispanic or Latino\n2 -- Not Hispanic or Latino\n3 -- Information not provided by borrower in mail, Internet, or telephone application\n5 -- No Co-Borrower\n\nCo-Borrower Race 2\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n8 -- No Co-borrower\n\nCo-Borrower Race 3\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n8 -- No Co-borrower\n\nPage 4 of 5\n\nColumn\n80 Corace4\n\n81 Corace5\n\n82 HOEPA\n\n83 LienStatus\n\n84 SpcHsgGoals\n\n85 FedFinStbltyPlan\n\n86 AcqTyp\n\n87 GSEREO\n\nAMA_PUDB_Definitions_123113.xlsx\n\nDefinition\nCo-Borrower Race 4\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n8 -- No Co-borrower\n\nCo-Borrower Race 5\n1 -- American Indian or Alaska Native\n2 -- Asian\n3 -- Black or African American\n4 -- Native Hawaiian or Other Pacific Islander\n5 -- White\n6 -- Information not provided by borrower in mail, Internet, or telephone application\n8 -- No Co-borrower\n\nHome Ownership and Equity Protection Act (HOEPA) Status\n1 – Subject to HOEPA\n2- Not subject to HOEPA\nLien Status\n1 – Secured by first lien\n2 – Secured by a subordinate lien\n3 – Not secured by a lien\n4 – Not Applicable (ie purchased loans)\nSpecial Housing Goals Loan\n1 – Yes\n2 – No\nFederal Financial Stability Plan\n1 – Yes\n2 – No\nAcquisition Type\n1 - Cash\n2 - SWAP\n3 - Other\n4 - Credit Enhancement\n5 - Bond or Debt Purchase\n6 - REMIC\n7 - Reinsurance\n8 - Risk Sharing\n9 - REIT\nGSE Real Estate Owned\n1 – Yes\n2 – No\n"}

APPRAISAL_RAG/chunks/json/000baac8797b60a4a7d8f061cd2257377e61d1dcdfc331f23c391be052cf89d0.json

@@ -0,0 +1 @@
+{"chunk":{"char_end":1741,"char_start":0,"chunk_id":"chk_f3bb9df6369d5fb6","chunk_index":0,"chunk_sha256":"000baac8797b60a4a7d8f061cd2257377e61d1dcdfc331f23c391be052cf89d0","date_utc":"2026-01-27T17:54:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_2345cdad749163ce","text_sha256":"000baac8797b60a4a7d8f061cd2257377e61d1dcdfc331f23c391be052cf89d0","token_estimate":529,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Prepayment_Monitoring_Report___U_S__FEDERAL_HOUSIN_kfkb5h.md"]},"text":"---\nsource_url: \"https://www.fhfa.gov/reports/prepayment-monitoring-report\"\ndate_accessed: \"2026-01-27T17:54:20.790Z\"\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"}

APPRAISAL_RAG/chunks/json/000f070ac2d6c3357642ff4116af0868297ebe77bb90c75406bfd4fd8ec0d606.json

@@ -0,0 +1 @@
+{"chunk":{"char_end":2432,"char_start":1608,"chunk_id":"chk_bd93b38b410450f1","chunk_index":1,"chunk_sha256":"000f070ac2d6c3357642ff4116af0868297ebe77bb90c75406bfd4fd8ec0d606","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_8ff8d2071530d137","text_sha256":"000f070ac2d6c3357642ff4116af0868297ebe77bb90c75406bfd4fd8ec0d606","token_estimate":206,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/credit-service-integration-impact-memo-april-30-2025.pdf"]},"text":"1\n\nDescription:\n\nCredit Service Provider account information\n\nAttribute\n\n_Name\n\nFormat\n\nRequired\n\nDescription\n\n$255\n\n_AccountNumber\n\n$255\n\n_Password\n\n$255\n\nY\n\nY\n\nY\n\nThe Credit Provider ID code. Please refer to the\nCredit Provider List for further information.\n\nThis is the account number associated with the\nCredit Service Provider. Lenders should obtain an\naccount number by contacting the service provider\ndirectly.\n\nThis is the password that corresponds to the\naccount number for the Credit Service Provider\nand is obtained by contacting the service provider\ndirectly.\n\nIf you have questions about this integration impact, contact your Technology Integration Analyst or Integration Support. For\nmore information about DU, visit the DU webpage or contact your Fannie Mae representative.\n\n© 2025 Fannie Mae 4.27.25\n\n2 of 2\n"}

APPRAISAL_RAG/chunks/json/00177e8c5537103a6a083f3d38f62da4212c8bd685799c5985e27656b5e1af3a.json

@@ -0,0 +1 @@
+{"chunk":{"char_end":5386,"char_start":3775,"chunk_id":"chk_9189ddbfc40f6f9c","chunk_index":2,"chunk_sha256":"00177e8c5537103a6a083f3d38f62da4212c8bd685799c5985e27656b5e1af3a","date_utc":"2026-01-27T17:46:22+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_a3584e2909483f25","text_sha256":"00177e8c5537103a6a083f3d38f62da4212c8bd685799c5985e27656b5e1af3a","token_estimate":403,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae4/links/_.pdf/display (3).pdf"]},"text":"In rare cases, the original appraiser will not be available to amend the appraisal report. In this situation, a\ndifferent appraiser may complete the Single-Family Comparable Rent Schedule to satisfy the requirement for the\nloan. Please note, this form was never designed to be a standalone appraisal report and the alternate appraiser\ncompleting it must take the necessary steps to be compliant with the Uniform Standards of Appraisal Practice\n(USPAP).\n\n6. Does UAD 3.6 support different property valuation methods?\n\nYes. UAD 3.6 supports traditional, hybrid, desktop, and exterior appraisal assignments. Refer to the GSE Selling\nGuides for specific policies.\n\n7. Does the new appraisal report still contain a General Addendum?\n\nNo. In place of the General Addendum, there are specific fields within each section of the URAR that allow\ncommentary to be added as necessary, offering the appraiser ample room to provide additional information.\n\n8.\n\nIs the new URAR for mortgage purposes only?\n\nYes. The purpose of the URAR has not changed. The opinions, conclusions, and certifications in the appraisal\nreport are for the intended user to evaluate the property that is the subject of the appraisal for a mortgage\nfinance transaction or related activities.\n\n9. Does UAD 3.6 support FHA, VA, and USDA requirements?\n\nYes, the GSEs have worked closely with the government agencies – Federal Housing Administration (FHA), United\nStates Department of Agriculture (USDA), and the Department of Veterans Affairs (VA) – to include their specific\nrequirements in UAD 3.6. Contact each agency for their implementation plans.\n"}

APPRAISAL_RAG/chunks/json/00182b3910df1b5bc5701579a584aaf185af1896e2f301503f8145f73a9609a1.json

@@ -0,0 +1 @@
+{"chunk":{"char_end":8117,"char_start":6506,"chunk_id":"chk_9d80961560c8a8f1","chunk_index":4,"chunk_sha256":"00182b3910df1b5bc5701579a584aaf185af1896e2f301503f8145f73a9609a1","date_utc":"2026-01-27T18:32:45+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ae699ea5c646d934","text_sha256":"00182b3910df1b5bc5701579a584aaf185af1896e2f301503f8145f73a9609a1","token_estimate":403,"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":"Sketch\n\nNot Applicable due to property\ntype\n\nSketch Commentary\n\nEach unit is 1,190 square feet of finished living area. There is an additional 522 square feet of finished common area within the building,\ntherefore the Gross Building Finished Area is 5,282 square feet. The ANSI measurement standard does not apply to apartment / multifamily\nbuildings. Dimensions provided in the footprint sketch are exterior perimeter measurements.\n\nAppraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 5 of 26\nPage 5 of 26\n\nDwelling Exterior - Building 1\n\nSubject Property Units in\nStructure\nDwelling Style\nFront Door Elevation\nYear Built\nConstruction Method\nConverted Area\n\n4\nTraditional\nGround Level\n2014\nSite Built\nNone\n\nThis is where the Dwelling Front photo would display.\n\nQuality and Condition\n\nExterior Quality Rating\n\nQ4\n\nExterior Condition Rating\n\nC3\n\nThe table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report\n\nExterior Features\n\nFeature\nExterior Walls and Trim\n\nFoundation\n\nRoof\n\nWindows\n\nDetail\nBrick | Cement Board\n\nPoured Concrete | Slab\n\nComposition\nEstimated Age: 10-20 Years\n\nThermal Double Hung\n\nQuality Comment\n\nCondition Status\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nTypical Wear and Tear\n\nCondition Comment\n\nCheck #A\n\nMechanical System Details\n\nHeating\n\nCooling\n\nSystem\nForced Warm Air\n\nCentralized\n\nDetail\nElectric\n\nCore Heating System Below Grade\n\nOther Mechanical Systems\n"}

APPRAISAL_RAG/chunks/json/00256972b1b8f692675d2429ade4474564b05018f26a700465792f3cfdbf3840.json

@@ -0,0 +1 @@
+{"chunk":{"char_end":47268,"char_start":44727,"chunk_id":"chk_e04b95577c028c79","chunk_index":35,"chunk_sha256":"00256972b1b8f692675d2429ade4474564b05018f26a700465792f3cfdbf3840","date_utc":"2026-01-27T18:05:06+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_083c75196e93d60f","text_sha256":"00256972b1b8f692675d2429ade4474564b05018f26a700465792f3cfdbf3840","token_estimate":635,"warnings":["source_path=Assorted/_.pdf/Appendix B-2 Restricted Appraisal Update Report Implementation Guide.pdf"]},"text":"Display Rules\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nAlways displays\n\nPage 42\n\nReport\nField ID\n\nCert #\n\nCertifications Text\n\nAppraiser Certifications\n\n05.018\n\n05.019\n\n05.020\n\n7\n\n8\n\n9\n\n05.021\n\n10\n\n05.022\n\n11\n\n05.023\n\n12\n\nI performed this appraisal update in accordance with the requirements of the Uniform\nStandards of Professional Appraisal Practice that were adopted and promulgated by the\nAppraisal Standards Board of The Appraisal Foundation and that were in place at the\ntime this appraisal update was prepared.\nI have updated the appraisal by incorporating the original appraisal report by reference.\nI have summarized my analysis and conclusions in this appraisal update and retained all\nsupporting data in my work file.\nI personally performed an onsite inspection of the interior and exterior areas of the\nsubject property. I reported the readily observable condition of the improvements in\nfactual, specific terms. I identified and reported any known physical deficiencies that\ncould affect the soundness or structural integrity of the property.\nI personally performed an inspection of the exterior areas of the subject property from at\nleast the street. I reported the readily observable condition of the improvements in\nfactual, specific terms. I reported any known physical deficiencies that could affect the\nsoundness or structural integrity of the property.\nI did not personally perform an onsite inspection of the subject property as part of this\nappraisal assignment. I reported the condition of the improvements in factual, specific\nterms, relying on subject property information data sources I considered reliable. I\nreported any known physical deficiencies that could affect the soundness or structural\nintegrity of the property.\nI have not knowingly withheld any significant information from this appraisal report and,\nto the best of my knowledge, all statements and information in this appraisal report are\ntrue and correct.\nMy employment and/or compensation for performing this appraisal or any future or\nanticipated appraisals was not conditioned on any agreement or understanding, written\nor otherwise, that I would report (or present analyses supporting) a predetermined\nspecific value, a predetermined minimum value, a range or direction in value, a value\nthat favors the cause of any party, or the attainment of a specific result or occurrence of\na specific subsequent event (such as approval of a pending mortgage loan application).\n"}

APPRAISAL_RAG/chunks/json/003180efd4915908296b1be77e05a5c4044e84c44c4385f46480d11af66ffae2.json

@@ -0,0 +1 @@
+{"chunk":{"char_end":80199,"char_start":78477,"chunk_id":"chk_061511b00a594e2e","chunk_index":46,"chunk_sha256":"003180efd4915908296b1be77e05a5c4044e84c44c4385f46480d11af66ffae2","date_utc":"2026-01-27T18:01:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d19808eb96e332c","text_sha256":"003180efd4915908296b1be77e05a5c4044e84c44c4385f46480d11af66ffae2","token_estimate":431,"warnings":["source_path=Assorted/_.pdf/UAD-specification-appendix-d updated 06-30-22 (1).pdf"]},"text":"Detached Structure,\ndoes not share any\ncommunal walls, floor\nor ceiling with another\nproperty.\n\nSemi-detached\nstructure, use for end-\nunit row and\ntownhomes as well as\nduplexes\n\nExamples:\nDT1.75;CapeCod\nAT2;IntTwnhse\nSD3.5;Duplex\n\nDesign (Style) (for Condominiums)\nThe appraiser should provide the attachment\ntype, the number of levels and the\narchitectural design for the subject property\nand each comparable property.\n\nPage 45 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• 1073/465\n\n• 1073 Hybrid/465H\n\n• 1073 Desktop/465D\n\n• 1075/466\n\nReporting Format:\nAttachment Types – The appraiser should\nselect one value from the specified list\nbelow:\n\nAbbreviated\nEntry\n\nDT\n\nRT\n\nGR\n\nMR\n\nAttachment\nType\n\nDetached\nStructure, does\nnot share any\ncommunal\nwalls, floor, or\nceiling\nwith another\nproperty\n\nRow or\nTownhouse -\nOne in a row of\nidentical\nhouses or\nhaving a\ncommon wall;\nattached to\nanother unit via\ncommon wall\n\nGarden -\nStructure is 1-3\nstories tall,\ncontains units\nwith communal\nwalls, floors,\nand/or ceilings\n\nMid-Rise -\nStructure is 4- 7\nstories tall,\ncontains units\nwith communal\nwalls, floors,\nand/or ceilings\n\nPage 46 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"}

APPRAISAL_RAG/chunks/json/00351cc097ad4ba133fa89ec298d68ce2ca792ddbf057341741d153f6e1bb780.json

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+{"chunk":{"char_end":478945,"char_start":477274,"chunk_id":"chk_e84e3937118b6524","chunk_index":281,"chunk_sha256":"00351cc097ad4ba133fa89ec298d68ce2ca792ddbf057341741d153f6e1bb780","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"00351cc097ad4ba133fa89ec298d68ce2ca792ddbf057341741d153f6e1bb780","token_estimate":418,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"One and only one of fields 1-185, 1-\n186 (values of Project Common\nElements Completed Indicator) should\nbe indicated.\n\nThis field should be populated if 1-186\n(Management Group\nHomeowners' Association and\nManagement Agent) is populated.\n\nT\n\nT\n\nT\n\nT\n\nT\n\nT\n\n199\n\n1\n\n188\n\nPROJECT\nINFORMATION\n\nIs there any commercial space in\nthe project?\nYes\n\nProject\nCommercial Space\nIndicator\n\nIndicates that the project contains\ncommercial space.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommercialSpaceIndic\nator='Y']\n\n200\n\n1\n\n189\n\nPROJECT\nINFORMATION\n\nIs there any commercial space in\nthe project?\nNo\n\nProject\nCommercial Space\nIndicator\n\nIndicates that the project contains\ncommercial space.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommercialSpaceIndic\nator='N']\n\n201\n\n1\n\ne-32\n\nPROJECT\nINFORMATION\n\nIs there any commercial space in\nthe project?\nIf Yes, describe and indicate the\noverall percentage of the\ncommercial space.\n\nGSE Project\nCommercial Space\nPercent\n\nThe overall percentage of commercial\nspace in the project in which the subject\nproperty is located.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_EXTENSION/P\nROJECT_EXTENSION_SECTION[@ExtensionSectionOrganizationName='UNI\nFORM APPRAISAL\nDATASET']/PROJECT_EXTENSION_SECTION_DATA/PROJECT_COMME\nRCIAL/@GSEProjectCommercialSpacePercent\n\n1\n\n1\n\n2\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Project Information Section\n\nOne and only one of fields 1-188, 1-\n189 (values of Project Commercial\nSpace Indicator) should be indicated.\n\nCR\n\nCR\n\nCR\n\nBoolean\n\nUAD Requirement - Refer to Appendix D Project Information Section\n\nOne and only one of fields 1-188, 1-\n189 (values of Project Commercial\nSpace Indicator) should be indicated.\n"}

APPRAISAL_RAG/chunks/json/0048edcf5e06d36fd08af748821f9fb2430e83f1abd52d4bcc9825ade51ac10d.json

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+{"chunk":{"char_end":4942,"char_start":3274,"chunk_id":"chk_5ae0a6c26c218b2d","chunk_index":2,"chunk_sha256":"0048edcf5e06d36fd08af748821f9fb2430e83f1abd52d4bcc9825ade51ac10d","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5c0b0ee89f21d117","text_sha256":"0048edcf5e06d36fd08af748821f9fb2430e83f1abd52d4bcc9825ade51ac10d","token_estimate":410,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004_70.pdf"]},"text":"Off-site Improvements—Type\nStreet 111\nAlley 114\n\nFEMA Map Date 121\n\n105\n 108\n 119\n\n112\n\n115\n\n118\n\n122\n\n125\n\n126\n\n113\n\n116\n\nPublic Private\n\nmaterials/condition Interior\n\nmaterials/condition\n\n141\n\n133\n\n135\n\n136\n\n131\n\nFoundation\n\nGeneral Description\n\nExterior Description\nFoundation Walls 152\n 140\n Full Basement Partial Basement Exterior Walls 153\n 143\n 142\n 144 sq. ft. Roof Surface 154\n 145 % Gutters & Downspouts 155\n\nUnits One One with Accessory Unit Concrete Slab Crawl Space\n 129\n 128\n# of Stories 130\nType Det. Att. S-Det./End Unit Basement Area\n 132\n Existing Proposed Under Const. Basement Finish\n 134\nDesign (Style) 137\nYear Built e-8; 138\nEffective Age (Yrs) 139\nAttic\n Drop Stair\n 165\n Floor\n 167\n Other 180\n Finished\n 169\n 179\nAppliances Refrigerator Range/Oven Dishwasher Disposal Microwave Washer/Dryer Other (describe) 213\nFinished area above grade contains: 214\nAdditional features (special energy efficient items, etc.) 218\n\nOutside Entry/Exit Sump Pump Window Type 156\n 146\nEvidence of Infestation\n 148\n Dampness Settlement\n 150\nHeating FWA HWBB Radiant Amenities\n Other 175\nFuel 176\n 174\nCooling Central Air Conditioning\n Individual\n 178\n\nNone\n 164\n Stairs\n 166\n Scuttle\n 168\n Heated\n 170\n\nStorm Sash/Insulated 157\nScreens 158\n\nBedrooms 216\n\nBath(s) 217\n\nRooms 215\n\n171\n\n172\n\n151\n\n211\n\n212\n\n206\n\n177\n\n147\n\n209\n\n207\n\n208\n\n210\n\n173\n\nWoodstove(s) # 188 Driveway Surface 198\n 187\n Fireplace(s)# 182 Fence 190\n 181\n 189\n Patio/Deck 184\n Porch 192\n 191\n 183\n Other 194\n Pool 186\n 185\n 193\n\nGarage\n 199\n Carport\n 201\n Att.\n 203\n\nDet.\n 204\n\n# of Cars 200\n# of Cars 202\n\nBuilt-in\n 205\n\nSquare Feet of Gross Living Area Above Grade\n"}

APPRAISAL_RAG/chunks/json/005396fceb62ac3e0109b28883f6ff480b9c559a6522ba49053843dd47254eeb.json

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+{"chunk":{"char_end":91226,"char_start":89583,"chunk_id":"chk_7e3da5e8977b6a5a","chunk_index":99,"chunk_sha256":"0057f8b2c53fcbf371e9122f6025198ad975466d8f6db1e59be059a430a459f6","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"0057f8b2c53fcbf371e9122f6025198ad975466d8f6db1e59be059a430a459f6","token_estimate":411,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Accessibility Features for Individuals with Disabilities (H1)\n\nAccessibility Features table\n\n• Set in 2-column table x 45 picas.\n\no Column heads: “Feature”,” Comment” set as TCH.\n\no Column 1: 7 picas 10 points wide (~22 characters max per line).\n\no Column 2: 37 picas 2 points wide (~148 characters max per line).\n\no Content sets as TB.\n\nACCESSIBILITY FEATURES TABLE\n\nAppendix E: Report Style Guide\n\nPage 48 of 90\n\nVersion 1.4\n\nApparent Defects, Damages, Deficiencies (Unit Interior - [Outbuilding Type] - [Structure Identifier] - [Unit\nIdentifier]) (H1)\n\n•\n\n•\n\nIf applicable per iGuide, set “None” as TXC\n\nIf applicable per iGuide, the following statement sets as TXC-I x 45 picas below H1: “The items listed\nbelow represent the As Is condition as of the effective date of this report”.\n\nUnit DDD table (same format as Site DDD table)\n\n• Column heads: “Feature,” “Location,” “Description,” “Affects Soundness or Structural\n\nIntegrity,” “Recommended Action” set as TCH in 5 column table x 45 picas.\n\n• Columns 1, 2, 4, 5: 8 picas wide (~32 characters max per line in each cell).\n\n• Column 3:\n\n13 picas wide (~52 characters max per line in each cell).\n\n• Content sets as TB.\n\nAPPARENT DEFECTS, DAMAGES, DEFICIENCIES\n\nUnit Interior Commentary (H1)\n\nSet Commentary as TXC x 45 picas.\n\nUnit Interior Exhibits (H1)\n\nSubsection does not display if there are no exhibits.\n\n“Functional Obsolescence” sets as TAB.\n\nLeft-hand side of page\n\n•\n\n“Functional Issues” sets as TXR-B, TXR.\n\nFunctional Obsolescence Commentary (H1)\n\nSet Commentary as TXC x 45 picas.\n\nFunctional Obsolescence Exhibits (H1)\n\nSubsection does not display if there are no exhibits.\n"}

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+{"chunk":{"char_end":268788,"char_start":266853,"chunk_id":"chk_357c52e9020d6e87","chunk_index":149,"chunk_sha256":"006244068467cdb181bbaa162d21da74fa365448e51eee95e302cdc7b15d88a9","date_utc":"2026-01-27T17:46:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_b990fd25c2f90d4d","text_sha256":"006244068467cdb181bbaa162d21da74fa365448e51eee95e302cdc7b15d88a9","token_estimate":484,"warnings":["source_path=Uniform_Appraisal_Dataset___Fannie_Mae3/links/_.pdf/fannie-mae-selling-guide-supplement-uniform-appraisal-dataset-uad-36-policy.pdf"]},"text":"If the appraiser has completed the cost approach, the lender must thoroughly review the information provided to confirm that\nthe appraiser’s analysis and comments for the cost approach to value are consistent with comments and adjustments mentioned\nelsewhere in the appraisal report. For example, when the subject is new construction, any recent sale of the land must be\ndisclosed and reconciled with the opinion of site value. Another example is if the community water source is unsafe and has had a\nnegative impact on housing prices throughout the area, lenders should expect to see an amount indicated for external\ndepreciation in the cost approach. Additionally, if the improvement analysis indicates that it is necessary to go through one\nbedroom to get to another bedroom, lenders should expect to see an amount indicated for functional depreciation.\n\nNote: Physical, functional, and external depreciation in the cost approach only applies to the property’s improvements, not the\nsite. If the property has an adverse impact due to a site influence, such as arterial street location, appraisers must account for this\nin the opinion of site value.\n\nIncome Approach to Value\n\nThe income approach to value is based on the assumption that market value is related to the market rent or income that a\nproperty can be expected to earn. The income approach to value is required in the valuation of two to four-unit properties and\nmay be appropriate in market areas that consist of single family properties when there is a substantial rental market. The income\napproach to value may not be appropriate in areas that consist mostly of owner-occupied properties because adequate rental\ndata does not exist for those areas. However, USPAP requires the appraiser to develop and report the result of any approach to\nvalue that is necessary for credible assignment results. If the appraiser believes the income approach is necessary for credible\n"}

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+{"chunk":{"char_end":8166,"char_start":7067,"chunk_id":"chk_c18ffa3f39213e12","chunk_index":4,"chunk_sha256":"006a7d4980f28f3304e399a0b5b76e050a5c0b8eb55341d291e39d23971726ff","date_utc":"2026-01-27T18:03:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_5c0b0ee89f21d117","text_sha256":"006a7d4980f28f3304e399a0b5b76e050a5c0b8eb55341d291e39d23971726ff","token_estimate":400,"warnings":["source_path=UAD Appendix C updated 02-03-22/_.pdf/GSE Form 1004_70.pdf"]},"text":"95\n97\n99\n 102\n + -\n\ne-18; e-19; e-20\ne-21; e-22; e-23; e-24\n\ne-18; e-19; e-20\ne-21; e-22; e-23; e-24\n\ne-18; e-19; e-20\ne-21; e-22; e-23; e-24\n\nNet Adj. 103a %\nGross Adj. 103b %\n\nNet Adj. 103a %\nGross Adj. 103b %\n\n95\n97\n99\n 102\n\nBaths Total Bdrms. Baths\n\n74 Total Bdrms. Baths\n\n96\n98\n100\n\nTotal Bdrms.\n\n+ -\n\n79 sq. ft.\n\ne-5; e-6; e-7\n\n31 sq. ft.\n\n79 sq. ft.\n\n40\n42\n44\n\ne-17; 70\n\ne-17; 26\n\ne-17; 70\n\n$ 104\n\n$ 103\n\n$ 104\n\n$ 103\n\n82\n84\n\n106\n\n101\n\n101\n\n65\n\n71\n\n78\n\n88\n\n67\n\n90\n\n92\n\n69\n\n94\n\n73\n\n86\n\n80\n\n72\n\n85\n\n66\n\n29\n\n68\n\n93\n\n89\n\n91\n\n87\n\n28\n\n38\n\n68\n\n27\n\n34\n\n85\n\n37\n\n36\n\n77\n\n66\n\n72\n\n89\n\n93\n\n75\n\n76\n\n35\n\n75\n\n30\n\n91\n\n25\n\n87\n\n77\n\n76\n\nCOMPARABLE SALE # 3\n45\n46a 46b 46c\n\n$ 49 sq. ft.\n\n47\n\n$ 48\n\ne-25; e-2\n\n51\n\nDESCRIPTION\n\n+(-) $ Adjustment\n\n53\n55\n\n57\n\n59\n\n52\ne-26; e-27; e-28\n\ne-29; e-30; e-31\n\ne-14; e-15; e-16\n\n61 60\n\n63 62\n\n65\n\n67\n\n69\n\n71\n\n73\n\ne-5; e-6; e-7\n\n66\n\n68\n\ne-17; 70\n\n72\n\n74 Total Bdrms. Baths\n\n78\n\n80\n\n82\n84\n\n86\n\n88\n\n90\n\n92\n\n94\n\n96\n98\n100\n\n75\n\n76\n\n77\n\n79 sq. ft.\n\ne-18; e-19; e-20\ne-21; e-22; e-23; e-24\n\n85\n\n87\n\n89\n\n91\n\n93\n\n95\n97\n99\n\n101\n + -\n\n102\n\n$ 103\n\nNet Adj. 103a %\nGross Adj. 103b %\n"}

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+{"chunk":{"char_end":40033,"char_start":38423,"chunk_id":"chk_57f2cbb8d0e85475","chunk_index":23,"chunk_sha256":"006c2c7cfefa71bc6dcd0a4cfa2b0bf2ac186c157d7e6bf400555d763e596744","date_utc":"2026-01-27T18:32:46+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_05a31ebe78b260b0","text_sha256":"006c2c7cfefa71bc6dcd0a4cfa2b0bf2ac186c157d7e6bf400555d763e596744","token_estimate":403,"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\nDwelling Front photo\nwould display.\n\nThis is where the\nRental Comparable 1\nphoto would display.\n\nThis is where the\nRental Comparable 2\nphoto would display.\n\nThis is where the\nRental Comparable 3\nphoto would display.\n\nThis is where the\nRental Comparable 4\nphoto would display.\n\nSubject Property\n8675309 Jenny Ln\nAnytown, IL 54321\n\nComparable #1\n1522 Akyawentuo Ave\nAnytown, IL 54321\n\nComparable #2\n2345467 Golden Tail St\nAnytown, IL 54321\n\nComparable #3\n234912 Whitecrest Dr\nAnytown, IL 54321\n\nComparable #4\n123423 Stoneback Dr\nAnytown, IL 54321\n\nData Source:\nMLS 32495234\n\nData Source:\nMLS 23458202\n\nData Source:\nMLS 25394502\n\nData Source:\nMLS 12458450\n\nLease Start Date:\n03/2018\n\nLease Start Date:\n01/2018\n\nLease Start Date:\n12/2017\n\nLease Start Date:\n11/2017\n\nActual Rent:\n$3,500\n\nActual Rent:\n$3,600\n\nActual Rent:\n$3,350\n\nActual Rent:\n$3,200\n\nComparable Rental Analysis\n\nProximity to Subject\n\nSubject\n\n#1\n0.25 Miles NE\n\n#2\n\n#3\n\n#4\n\n0.2 Miles W\n\n1.5 Miles E\n\n1.7 Miles E\n\nComparables\n\nProject Name\n\nGrammy Gold Grammy Gold Grammy Gold\n\nSimilar\n\nSimilar\n\nPlatinum\nRecords\n\nInferior\n\nPlatinum\nRecords\n\nInferior\n\nClubhouse\n| Club\nMembership\n| Gated\nCommunity\n| Inground\nPool | Snow\nRemoval\n| Trash\nRemoval\n\nGolf Course |\nResidential\n\nProject Common\nAmenities/Services\n\nView from Unit\n\nSite Size\n\nInterior Condition\n\nBedrooms\n\nBaths - Full | Half\n\nFinished Area\n\nSimilar\n\nSimilar\n\nInferior\n\nInferior\n\n13,939 Sq. Ft.\n\n13,400 Sq. Ft.\n\n14,230 Sq. Ft.\n\n13,800 Sq. Ft.\n\n12,989 Sq. Ft.\n\nC1\n\n3\n\n2 | 1\n\nC2\n\n3\n\n2 | 1\n\nC2\n\n4\n\n3 | 0\n\nC2\n\n3\n\n2 | 1\n\nC2\n\n4\n\n2 | 1\n\n2,784 Sq. Ft.\n\n2,705 Sq. Ft.\n\n2,810 Sq. Ft.\n"}

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+{"chunk":{"char_end":13503,"char_start":11866,"chunk_id":"chk_c886a228cf1d281b","chunk_index":6,"chunk_sha256":"0083aaeeccbbf0d4388ada229fcbc1e2d398e60be17d6b925c70abcf511c0269","date_utc":"2026-01-27T17:50:59+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_0be59de6f173b03e","text_sha256":"0083aaeeccbbf0d4388ada229fcbc1e2d398e60be17d6b925c70abcf511c0269","token_estimate":410,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Uniform_Appraisal_Dataset__UAD__Aggregate_Statisti_l6yr1e.md"]},"text":"If you have any questions or comments about the FHFA UAD Aggregate Statistics Data File or Dashboards, please email [UADdata@fhfa.gov](mailto:UADdata@fhfa.gov)\n\n## FHFA Stats Blog\n\n[Trends in Median Appraised Value for Properties With Accessory Dwelling Units in California](/blog/statistics/trends-in-median-appraised-value-for-properties-with-accessory-dwelling-units-in-california)\n\n[The Volume and Median Value of FHA Single-Family Appraisals Rose over the Past Year and Quarter](/blog/fhfa-statistics/the-volume-and-median-value-of-fha-single-family-appraisals-rose-over-the-past-year-and-quarter)\n\n[2024Q2 UAD Aggregate Statistics: Median Appraised Value for Enterprise Single-Family and Condominium Appraisals Rose over the Past Year and Quarter](/blog/statistics/2024q2-uad-aggregate-statistics-median-appraised-value-for-enterprise-single-family-and-condominium)\n\n[2024Q1 UAD Aggregate Statistics: Volume and Median Appraised Value for Both Purchase and Refinance Appraisals Rose over the Past Year and Quarter](/blog/statistics/2024q1-uad-aggregate-statistics)\n\nHave Property Valuation Inequalities Diminished in Black and Hispanic/Latino Neighborhoods?\n\n[2023Q4 UAD Aggregate Statistics: The Median Appraised Value for Both Purchase and Refinance Appraisals Increased from a Year Ago](/blog/statistics/2023q4-uad-aggregate-statistics-median-appraised-value-both-purchase-and-refinance-appraisals)\n\n[FHFA Publishes 2023Q3 UAD Aggregate Statistics](/blog/statistics/fhfa-publishes-2023Q3-uad-aggregate-statistics)\n\n[FHFA Publishes 2023Q2 UAD Aggregate Statistics](/blog/statistics/fhfa-publishes-2023q2-uad-aggregate-statistics)\n"}

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+{"chunk":{"char_end":174064,"char_start":172402,"chunk_id":"chk_fd47377e63d85679","chunk_index":101,"chunk_sha256":"0084b15f095d78a841ca4d92f3ede0c28e42615067fbc9684b913ebd69398a8c","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"0084b15f095d78a841ca4d92f3ede0c28e42615067fbc9684b913ebd69398a8c","token_estimate":416,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"4.035\n\nName\n\nIf relevant\n\nFree-form\n\nBody of Water Name\n\n4.036 Waterfront\n\nAccess Rights\n\n4.037\n\nAccess Depth\n\nRequired for each\nbody of water where\nProperty Has Private\nAccess Rights to the\nBody of Water is Yes\n\nRequired for each\nbody of water where\nProperty Has Private\nAccess Rights to the\nBody of Water is Yes\n\nChoose an\nallowable answer\nfrom table\n(Waterfront\nAccess Rights)\n\nType of access the subject property has to the waterfront.\n•\n•\n•\n•\n\nBy Permit\nDeeded Access\nPrivately Owned\nOther (Describe)\n\nChoose an\nallowable answer\nfrom table (Access\nDepth)\n\nClassifies the water depth for the purpose of watercraft access.\n•\n•\n•\n•\n\nDeep Water\nNon-Navigable\nShallow Water\nOther (Describe)\n\nNote: Water depth should be approximated considering typical and feasible\nwater depths, whether by dock, pier, or shoreline.\n\nAppendix F-1: URAR Reference Guide\n\nPage 67 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n04 Site\n\nWaterfront Access Rights (Choose one for each Body of Water with Private Access)\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nBy Permit\n\nDeeded Access\n\nPrivately Owned\n\nOther (Describe)\n\nTemporary permissible use of the waterfront access granted by a recognized authority.\n\nLegally permissible use of the waterfront access written in the deed.\n\nWaterfront access as granted through private ownership of the water frontage.\n\nSelect Other to enter an answer that is not in the above list.\n\nAllowable Answer\n\nDefinition / Additional Guidance\n\nAccess Depth (Choose one for each Body of Water with Private Access)\n\nDeep Water\n\nNon-Navigable\n\nShallow Water\n\nWater is four feet or deeper and can handle most types of recreational watercraft.\n"}

APPRAISAL_RAG/chunks/json/009d52573e31d3e199f996892e70b9911b85f7fdf27a410ad1052f7d9f8384b9.json

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+{"chunk":{"char_end":8789,"char_start":7111,"chunk_id":"chk_76f05bad1e59e0f6","chunk_index":4,"chunk_sha256":"009d52573e31d3e199f996892e70b9911b85f7fdf27a410ad1052f7d9f8384b9","date_utc":"2026-01-27T17:48:01+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_af426239ede525c7","text_sha256":"009d52573e31d3e199f996892e70b9911b85f7fdf27a410ad1052f7d9f8384b9","token_estimate":418,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Information_Resources_Management_Strategic_Plan____3nju4.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# Information Resources Management Strategic Plan\n\n## Breadcrumb\n\n- [Home](/)\n - [Reports](/reports)\n - Information Resources Management Strategic Plan\n\nThe purpose of FHFA’s Information Resources Management (IRM) Strategic Plan is to provide direction, organizational alignment, and prioritization for key Information Technology (IT) and data initiatives. Implementation of the IRM Strategic Plan will maximize the impact of information resources on FHFA’s mission and ongoing operations.\n"}

APPRAISAL_RAG/chunks/json/00ae765c09df3ac8d658c95586b946485f7b8a0a223056a4657cb663d148705e.json

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+{"chunk":{"char_end":624105,"char_start":622503,"chunk_id":"chk_ce13ebeaa9673393","chunk_index":371,"chunk_sha256":"00ae765c09df3ac8d658c95586b946485f7b8a0a223056a4657cb663d148705e","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"00ae765c09df3ac8d658c95586b946485f7b8a0a223056a4657cb663d148705e","token_estimate":401,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Always\n\nAlways required\n\nDollar amount\n\nRequired if Units\nExcluding ADUs is\nmore than 1\n\nDollar amount\n\nAdjustment\nTotal\n\n22.15.09 Adjusted Price\n\nPer Unit\n\n22.15.10 Adjusted Price\nPer Bedroom\n\nWhen Units\nExcluding\nADUs is more\nthan 1 for the\nsubject or any\ncomparable\n\nWhen Units\nExcluding\nADUs is more\nthan 1 for the\nsubject or any\ncomparable\n\nRequired if Units\nExcluding ADUs is\nmore than 1\n\nDollar amount\n\nAdjusted Price Per\nBedroom is only\napplicable to\ncomparables\n\nNo\n\nCalculated: Adjusted Price of Comparables / Number of Bedrooms in\nUnits including ADUs\nNote: Bedrooms that are not associated with a unit or an ADU are not\nincluded in this calculation.\n\nAppendix F-1: URAR Reference Guide\n\nPage 273 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n22 Sales Comparison Approach\n\nReport\nField ID\n\n22.15.11\n\nReport Label\n\nPrice Per\nGross Building\nFinished Area\n\n22.15.12\n\nPrice Per\nFinished Area\nAbove Grade\n\nWhen to Include for\neach Comparable\n\nRequired if Units\nExcluding ADUs is\nmore than 1 for the\nsubject\n\nRequired if Units\nExcluding ADUs is 1\nand there is finished\narea above grade\n(standard or\nnonstandard)\n\nWhen Row\nDisplays\n\nWhen Units\nExcluding\nADUs is more\nthan 1 for the\nsubject\n\nWhen Units\nExcluding\nADUs is 1 and\nthere is\nFinished Area\nAbove Grade\nor Finished\nArea Above\nGrade\n(Nonstandard)\nfor the subject\nor any\ncomparable\n\nSales Comparison Approach: Summary\n\nAllowable\nAnswers / Format\n\nOrigin of Subject\nProperty Information\n\nAdjustable\nRow\n\nDefinition / Additional Guidance\n\nDollar amount\n\nPrice Per Gross Building\nFinished Area is only\napplicable to\ncomparables\n\nDollar amount\n"}

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+{"chunk":{"char_end":132800,"char_start":131132,"chunk_id":"chk_5a38665b96321c0c","chunk_index":156,"chunk_sha256":"00afe01aa9cde4b1daa0d2793ff448cf7adcfc07036f41a613e18b05fabaf70c","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"00afe01aa9cde4b1daa0d2793ff448cf7adcfc07036f41a613e18b05fabaf70c","token_estimate":417,"warnings":["source_path=Appendix B-1 URAR Implementation Guide/_.pdf/Appendix B-1 URAR Implementation Guide.pdf"]},"text":"1.081\n\n1.082\n\n1.083\n\n1.084\n\nLocation\n\nDescription\n\nAffects Soundness or Structural Integrity\n\nRecommended Action\n\nEstimated Cost to Repair\n\nTotal Cost\n\nAs Is Overall Condition Rating\n\nTotal Estimated Cost of Items Recommended for Repair\n\n[Static Text] There are no apparent defects, damages, or\ndeficiencies requiring action. For details, reference the\n‘Reconciliation’ section.\n\nEstimated Cost to Repair\n\n26.022 | 26.029 | 26.037 |\n26.045 | 26.053 | 26.059 |\n26.065\n26.023 | 26.030 | 26.038 |\n26.046 | 26.054 | 26.060 |\n26.066\n26.024 | 26.031 | 26.039 |\n26.047 | 26.055 | 26.061 |\n26.067\n26.025 | 26.032 | 26.040 |\n26.048 | 26.056 | 26.062 |\n26.068\n26.026 | 26.033 | 26.041 |\n26.049 | 26.057 | 26.063 |\n26.069\n\n26.070\n\n26.071\n\n26.072\n\nReconciliation - Defects, Damages, Deficiencies\n\nReconciliation - Defects, Damages, Deficiencies\n\nReconciliation - Defects, Damages, Deficiencies\n\nReconciliation - Defects, Damages, Deficiencies\n\nReconciliation - Defects, Damages, Deficiencies\n\nReconciliation - Defects, Damages, Deficiencies\n\nReconciliation - Defects, Damages, Deficiencies\n\nReconciliation - Defects, Damages, Deficiencies\n\n• When CostToRepairType (UID: 3900.0001 FID: Not on report) = “Itemized”\n\no Display the column Estimated Cost to Repair and the Total Cost - DefectCostToRepairTotalAmount (UID: 3900.0002, FID: 1.081)\n\n▪ Calculated: The sum of all occurrences of DefectItemEstimatedCostToRepairAmount\n▪ Right-justify label Total Cost and the amount (Figure 1 - 4)\n\nRecommended Action with Estimated Cost to Repair\n\nAppendix B-1: URAR Implementation Guide v1.3\n\nFigure 1 - 4\n\nPage 76\n\n• When CostToRepairType (UID: 3900.0001 FID: Not on report) = “TotalCost”\n"}

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+{"chunk":{"char_end":488186,"char_start":486551,"chunk_id":"chk_0621841776fd2d38","chunk_index":289,"chunk_sha256":"00b25de4eb5f351b35e2082416770b936caf12a379bb5f04aff1a0ef68a5b893","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"00b25de4eb5f351b35e2082416770b936caf12a379bb5f04aff1a0ef68a5b893","token_estimate":409,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"21.000 Prior Sales or\n\nAlways required\n\nYes | No\n\nTransfers\n\nDefinition / Additional Guidance\n\n•\n\n•\n\nYes (there are relevant sales or transfers, either within or beyond the\nreporting period)\nNo (there are no relevant sales or transfers. “None” displays, and the\nTransfer Terms table does not display).\n\n21.001 Data Source\n\nRequired if Prior Sales\nor Transfers is No\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n\nAssessor Record\nBuilder or Developer\nCooperative Board\nData Aggregator\nDeed\nHomeowners Association\n\nData source(s) used to research the prior sale or transfer history.\n•\n•\n•\n•\n•\n•\n• MLS\n•\n•\n•\n•\n•\n\nPrevious Appraisal File\nProperty Management Company\nProperty Owner\nProperty Tenant\nOther (Describe)\n\nFor reference, see the Statement of Assumptions and Limiting Conditions\nrelevant to data sources and Appraiser Certification 8.\n\nComparable Transfer History\n\nThe Comparable Transfer History subsection shows information about each comparable in the Sales\nComparison Approach section.\n\nAppendix F-1: URAR Reference Guide\n\nPage 208 of 375\n\nVersion 1.3\n\nUniform Appraisal Dataset\n\n21 Prior Sale and Transfer History\n\nComparable Transfer History\n\nReport\nField ID\n\n21.007 #\n\nReport Label\n\nWhen to Include\n\nRequired for each\ncomparable in the\nSales Comparison\nApproach section\n\nAllowable\nAnswers / Format\n\n1, 2, 3, …\n\n21.008 Transfer Terms Required for each\ncomparable in the\nSales Comparison\nApproach section\n\nYes | No\n\n21.011 Data Source\n\nRequired if Prior Sales\nor Transfers is No for\nthe Comparable\n\nChoose one or\nmore allowable\nanswers from the\nDefinition /\nAdditional\nGuidance column\n"}

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+{"chunk":{"char_end":302131,"char_start":300381,"chunk_id":"chk_c2e94758de7140a2","chunk_index":162,"chunk_sha256":"00bf175e973bc195ca948a92a7276158b7ec456aa95d4d032c759a2fc61f15fa","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"00bf175e973bc195ca948a92a7276158b7ec456aa95d4d032c759a2fc61f15fa","token_estimate":437,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"EscrowItemActualPay\nmentAmount\n\n200.00\n\nROF as “$200.00”\n\nEscrowItemPayment\nPaidByType\n\nBuyer\n\nROF as “Borrower-\nPaid”\n\n8.13.2 At Closing\n\nEscrowItemPayment\nTimingType\n\nAtClosing\n\nAppendix E: UCD Implementation Guide\n\nPage 137 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n8.0 Other Costs Table\n\n1. MAPPI NG GUI DANCE\n\na.\n\nInitial Escrow line items are represented using the ESCROW container. ESCROW_ITEM repeats for each\nline item with child containers including data points that identify the escrow item, the period for which\nthe payment is made, amount per period, and the break out the payments by the party paying and the\ntiming of the payment.\n\nb. ESCROW ITEM DETAIL/ Escrow ItemType describes the line item. The section for which that escrow item\nis relevant is specified using the IntegratedDisclosureSectionType. This qualification is very important, as\nsome occurrences of the EscrowItemType data point can appear in different sections of the Closing\nDisclosure. The timeframe and amount associated with the escrow item is specified using both the\nEscrowCollectedNumberOfMonthsCount and the EscrowMonthlyPaymentAmount.\n\nEscrowItemType has enumerated values to cover most scenarios in the closing process; however, there\nare instances when a specific fee required by local or state laws is not listed. In these instances, use the\nEscrowItemType value of “Other” plus the data point EscrowItemTypeOtherDescription with an explicit\ndescription of the escrow item.\n\nc. ESCROW_ITEM_PAYMENT repeats for the applicable columns in the Other Costs table.\n\nEscrowItemPaymentPaidByType, EscrowItemActualPaymentAmount, and\nEscrowItemPaymentTimingType = “AtClosing” are used as necessary to represent payments by the\nBorrower, Seller or a third party.\n"}

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+{"chunk":{"char_end":9692,"char_start":8089,"chunk_id":"chk_50fef040b29018d2","chunk_index":5,"chunk_sha256":"00c6c99928bca462c8764c7cb498442f5efdf2976a74ffce9169546bbd75ad6c","date_utc":"2026-01-27T18:32:49+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_6a2eba25bc68c7d2","text_sha256":"00c6c99928bca462c8764c7cb498442f5efdf2976a74ffce9169546bbd75ad6c","token_estimate":401,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH2_Appraisal/_.xml/MH2_Appraisal_v1.3.xml"]},"text":"Less\n\nfalse\n\n163\n\n2\n\n4\n\n54040\n\ntrue\n\nDwelling\n\n2017\n\nfalse\n\nMultiWide\n\n1352\n\n0\n\nfalse\n\n3\n\n2\n\n0\n\nC3\n\nQ4\n\nBuilder Grade Finishes and Fixtures\n\nNotUpdated\n\nBuilder Grade Quality Appliances and Cabinets\n\nKitchen\n\nNotUpdated\n\nManufactured\n\nSiteBuilt\n\nVinyl\n\nTypicalWearAndTear\n\nExteriorWallsAndTrim\n\nPostAndPier\n\nFoundation\n\ntrue\n\nTypicalWearAndTear\n\nRoof\n\nC3\n\nQ4\n\n1\n\nCentralized\n\nElectric\n\nOther\n\nHeat Pump\n\nPropertyPhoto\n\n\\\\Images\\MH2_Comp2.png\n\nimage/png\n\n86\n\n229999\n\nSettledSale\n\n25.165171\n\n-51.328127\n\nEast Street Estates\n\nPatio\n\nOutdoorLiving\n\n0\n\nDetached\n\n1\n\ntrue\n\n1\n\nC3\n\nQ4\n\nfalse\n\ntrue\n\nfalse\n\nfalse\n\nfalse\n\n2021-12-05\n\n2022-02-15\n\n219950\n\nSale\n\nNone\n\nAsphalt\n\nLocal\n\nPublicStreet\n\nfalse\n\nTopography\n\nRolling\n\nResidential\n\n13939\n\nFull\n\nResidential\n\nLegal\n\n7525 New South Hwy\n\nSomecity\n\n12345\n\nTN\n\nDriveway\n\nAsphalt\n\n4\n\nfalse\n\n0\n\nContractDate\n\n0\n\nSaleDate\n\n-12075\n\nSiteSize\n\n0\n\nNeighborhoodName\n\n0\n\nZoningCompliance\n\n0\n\nPropertyStreetAccessAndSurface\n\n20000\n\nSiteInfluence\n\n0\n\nYearBuilt\n\n0\n\nLivingUnitStandardFinishedAreaAboveGrade\n\n2500\n\nOutdoorLivingAmenity\n\n10000\n\nVehicleStorage\n\n267425\n\nSouth\n\nMost\n\nfalse\n\n156\n\n3\n\n5\n\n20425\n\ntrue\n\nDwelling\n\n2019\n\nfalse\n\nMultiWide\n\n1580\n\n0\n\nfalse\n\n3\n\n2\n\n0\n\nC2\n\nQ3\n\nMetal plumbing fixtures\n\nFullyUpdated\n\nEnergy Star appliances and wood cabinets\n\nKitchen\n\nFullyUpdated\n\nManufactured\n\nSiteBuilt\n\nCementBoard\n\nNewOrLikeNew\n\nExteriorWallsAndTrim\n\nCrawlSpace\n\nFoundation\n\ntrue\n\nNewOrLikeNew\n\nRoof\n\nC2\n\nQ3\n\n1\n\nCentralized\n\nElectric\n\nOther\n\nHeat Pump\n\nPropertyPhoto\n\n\\\\Images\\MH2_Comp3.jpg\n\nimage/jpeg\n\n110\n\n265000\n\nSettledSale\n\n25.165170\n\n-51.328128\n\nSouth View\n\nPorch\n"}

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+{"chunk":{"char_end":396849,"char_start":395271,"chunk_id":"chk_0d618983c28caac2","chunk_index":222,"chunk_sha256":"00d3a4cfb20c4a628f717b28eb9d76150ab26959cea9e913801e2b4651b6ab55","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"00d3a4cfb20c4a628f717b28eb9d76150ab26959cea9e913801e2b4651b6ab55","token_estimate":401,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"11.0 K. Due from Borrower at Closing\n\n11.0.1\n\n$252,347.30\n\n12.0 L. Paid Already by or on Behalf of Borrower at Closing\n\n12.0.1\n\n$225,015.00\n\n13.0 CALCULATION\n\n13.1 Total Due from Borrower at Closing (K)\n\n13.2 Total Paid Already by or on Behalf of Borrower at Closing (L)\n\n13.3 Cash to Close  From To Borrower\n\n13.1.1\n\n13.2.1\n\n13.3.1\n\n$252,347.30\n\n- $227,015.00\n\n$25,332.30\n\nFigure 108. CALCULATION – BORROWER’S TRANSACTION Table\n\n13. 1 | 13. 2 LI NE I TEMS (SECTI ON K AND L SUBTOTALS)\n\nThe same data points used for 11.0 | 11.0.1 K. Due from Borrow at Closing (Table 106) and 12.0 | 12.0.1 L. Paid\nAlready by or on Behalf of Borrower at Closing (Table 113) are shown again as CALCULATION line items in the\ntable below. They will each appear only once in the XML file although they will be rendered in two places in the\nBORROWER’S TRANSACTION table.\n\n13. 3 TOTAL – CASH TO CLOSE FROM OR TO TH E BORROWER 11\n\nThe result of the difference between the section totals for 11.0 and 12.0 is disclosed along with a checkmark\nindicating whether the associated amount is due from or to the Borrower. The data point used to provide this\ninformation is shown in the following table.\n\nTable 123. Total - Cash to Close From or To the Borrower\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\n13.3 …From To\nBorrower\n\n…/CLOSING_INFORM\nATION_DETAIL\n\nCashFromBorrowerAt\nClosingAmount\n\n25332.30\n\nAppendix E: UCD Implementation Guide\n\nPage 182 of 254\n\nBecause this is a\npositive number, it is\nrepresented on form\nas\n“From”\n\nVersion 1.4\n"}

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+{"chunk":{"char_end":246880,"char_start":245261,"chunk_id":"chk_aa380639b0a4e4e0","chunk_index":128,"chunk_sha256":"00e21bc033eb59bdcf83b7ebaa93a8f469ff37d5a9d797232f023680ce7119d0","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"00e21bc033eb59bdcf83b7ebaa93a8f469ff37d5a9d797232f023680ce7119d0","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"ServicesBorrowerDi\ndShopFor\n\nFourth Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY\n\n7.8.1\n\nD. TOTAL LOAN\nCOSTS – (Borrower-\nPaid)\n($)\n\n…/INTEGRATED_DI\nSCLOSURE_SECTIO\nN_SUMMARY_DET\nAIL\n\nIntegratedDisclosur\neSectionTotalAmou\nnt\n\n4694.05\n\n7.8\n\n7.9\n\nD. TOTAL LOAN\nCOSTS – (Borrower-\nPaid)\n\nLoan Costs\nSubtotals (A + B +\nC)\n\nIntegratedDisclosur\neSectionType\n\nTotalLoanCosts\n\nIntegratedDisclosur\neSubsectionType\n\nLoanCostsSubtotal\n\n▪ Provide a value\n\nof “0.00” if there\nare no charges\nfor this category\n\n▪ ROF as\n\n“$2,655.50”\n\nROF as “C. Services\nBorrower Did Shop\nFor”\n\n▪ Provide a value\n\nof “0.00” if there\nare no charges\nfor this category\n\n▪ ROF as\n\n“$4,694.05”\n▪ Should equal the\n\nsum of the\nsubtotals for\neach Loan Costs\ncategory\n\nROF as “D. TOTAL\nLOAN COSTS –\n(Borrower-Paid)”\n\nROF as “Loan Costs\nSubtotals (A + B +\nC)\n\nFirst Instance of INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENT\n\n7.9.2\n\nBorrower-Paid\n\n7.9.2\n\nLoan Costs\nSubtotals (A + B +\nC) Borrower-Paid\nAt Closing ($)\n\n7.9.2\n\nAt Closing\n\n…/INTEGRATED_DI\nSCLOSURE_SECTIO\nN_SUMMARY/INTE\nGRATED_DISCLOSU\nRE_SUBSECTION_P\nAYMENTS/INTEGRA\nTED_DISCLOSURE_\nSUBSECTION_PAY\nMENT\n\nIntegratedDisclosur\neSubsectionPaidBy\nType\n\nIntegratedDisclosur\neSubsectionPayme\nntAmount\n\nBuyer\n\nRepresented as\nBorrower-Paid\nheading on form\n\n4664.25\n\nROF as “$4,664.25”\n\nIntegratedDisclosur\neSubsectionPayme\nntTimingType\n\nAtClosing\n\nRepresented as At\nClosing heading on\nform\n\nAppendix E: UCD Implementation Guide\n\nPage 112 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n7.0 Loan Costs Table\n\nTable 94. Loan Cost Table Category and Subcategory Data\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n"}

APPRAISAL_RAG/chunks/json/00e432687adf4ebbb0b0e4412c41e7a0782475290d41a9ffa95816a7d45883ed.json

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+{"chunk":{"char_end":9891,"char_start":8251,"chunk_id":"chk_da3f48c1c158d1fa","chunk_index":5,"chunk_sha256":"00e432687adf4ebbb0b0e4412c41e7a0782475290d41a9ffa95816a7d45883ed","date_utc":"2026-01-27T18:32:48+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_01d813ec4512e22f","text_sha256":"00e432687adf4ebbb0b0e4412c41e7a0782475290d41a9ffa95816a7d45883ed","token_estimate":409,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 MH1_Appraisal/_.pdf/MH1_Appraisal_v1.3.pdf"]},"text":"Property Restriction\n\nLand Use\n\nSite Characteristic\n\nTopography | Flat\n\nUtilities and Impact to Value/Marketability\n\nBroadband Internet Available\n\nYes\n\nElectricity\n\nGas\n\nSanitary Sewer\n\nWater\n\nPublic\n\n\nPrivate\n\nDetail\n\n\n\n\n\nSeptic\n\nWell\n\nImpact\nNeutral\n\nNeutral\n\nNeutral\n\nComment\nBoard fencing around entire property to the barn.\n\nQuarter acre lot cannot be built on nor can it be separated\nand sold.\n\nPrivate Utility\nImpact\n\nComment\n\nNeutral\n\nNeutral\n\nAdverse\n\nPropane is typical to the market.\n\nSeptic is typical to the market.\n\nPublic water is available at the street. Local water\ncompany charges $2,500 to install the meter. Public\nwater is typical to market.\n\nAppraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024\n\nUniform Residential Appraisal Report\n\nPage 4 of 30\nPage 4 of 30\n\nIf more\n\nthan 1\n\nUnit--\n\ndifferent\n\nset up\n\nSite (continued)\n\nApparent Defects, Damages, Deficiencies (Site)\n\nNone\n\nSite Commentary\n\nThe subject’s site consists of two parcels, one being smaller, non-buildable site with water frontage across the street from remaining site\nwhere the improvements are.\n\nSite Exhibits\n\nNon-Residential Use - Agricultural - Barn\n\nProperty Access (Street Scene)\n\nSite Influence - Water Frontage - View - Lake Virginia\n\nSite Influence - View - Power Lines\n\nPermanent Waterfront Feature - Dock\n\nPermanent Waterfront Feature - Pier\n\nThis is where the Dock photo would display.\n\nThis is where the Pier photo would display.\n\nAppraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024\n"}

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+{"chunk":{"char_end":21779,"char_start":21243,"chunk_id":"chk_a1d0c82835b6bc74","chunk_index":26,"chunk_sha256":"00f74b4423b17147c02a3c29f1e83ef6fc7aa97b736aab77c144344b2fbfea6c","date_utc":"2026-01-27T18:07:49+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_55e35fe370a6111c","text_sha256":"00f74b4423b17147c02a3c29f1e83ef6fc7aa97b736aab77c144344b2fbfea6c","token_estimate":448,"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 11\n\nImages Folder in the .zip File ...................................................................................................................................................................................................... 65\n\nHeader and Footer ................................................................................................................................................................................................................................. 66\n"}

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+{"chunk":{"char_end":14623,"char_start":13226,"chunk_id":"chk_1930a55d7e33367d","chunk_index":8,"chunk_sha256":"011503e5c029860bbde7f553f2c7f68db47eb057e087383c8bca31785f53b592","date_utc":"2026-01-27T17:47:52+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_d0defc84ceb13d55","text_sha256":"011503e5c029860bbde7f553f2c7f68db47eb057e087383c8bca31785f53b592","token_estimate":410,"warnings":["source_path=Uniform_Appraisal_Dataset__UAD__Appraisal_Level_Public_Use_File__PUF____FHFA/_.md/Public_Engagements___FHFA_fwmvlq.md"]},"text":"## **​2023**\n\n## **October 2023**\n\n## **FHFA Fall Econ Summit**\n\nDate: 10/3/2023\n\nTime: 9 AM - 5:30 PM ET (check-in starts at 8:30 am)\n\nLocation: Federal Housing Finance Agency, Constitution Center, 400 7th Street, SW, ​Washington, D.C. 20219 (Conference Room ABC)​\n\nTopic: Climate Risk\n\n[More Information: Presentations, Papers, and Agenda](/news/public-engagements/econ-summit/fall-2023)\n\n---\n\n## **September 2023**\n\n## **Special Purpose Credit Programs Roundtable**\n\nFour federal agencies (FHFA, HUD, OCC, and CFPB) will host roundtable regarding availability of special purpose credit programs (SPCP) to help meet the credit needs of eligible individuals. ​\n\nDate: 10/12/2023\n\nTime: 3 PM EDT\n\nLocation: Virtual Livestream\n\n---\n\n## **July 2023**\n\n## **2023 Velocity TechSprint Observer Track Sessions**\n\nDate:7/10/2023​ - 7/13/2023\n\nTime:7/10/2023 9:00 AM EDT - 1:00 PM EDT\n7/11/2023 1:00 PM EDT - 2:00 PM EDT​​\n7/12/2023 10:00 AM EDT - 2:00 PM EDT\n7/13/2023 9:00 AM EDT - 12:30 PM EDT\n\nLocation: Virtual\n\n[Agenda](/media/50981)\n\n[More Information](/programs/fintech)\n\n## **2023 Duty to Serve Public Listenin​g Sessions**\n\nDate: 7/17/2023 - 7/19/2023\n\nTime: 1:00 PM EDT - 3:00 PM EDT​​\n\nLocation: Virtual\n\n[Day 1 Agenda, Transcripts, Presentations, Video](/news/videos/2023-duty-to-serve-listening-session-rural-housing) - Duty to Serve Underserved Market Plans 2025-2027 - Rural Housing Market\n"}

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+{"chunk":{"char_end":1259781,"char_start":1258149,"chunk_id":"chk_4029ba37308f0837","chunk_index":747,"chunk_sha256":"0117c585a5b41af924e41e9580dd69379d87cf5b59e88984a8e18ae17a46a0d1","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"0117c585a5b41af924e41e9580dd69379d87cf5b59e88984a8e18ae17a46a0d1","token_estimate":408,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Indicates that the common elements and\nrecreation facilities in the project are\ncomplete.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommonElements\nCompletedIndicator=‘Y’]\n\n1\n\nBoolean\n\n439\n\n440\n\n441\n\n3\n\n3\n\n3\n\n60\n\n61\n\n62\n\nPROJECT\nINFORMATION\n\nPUD\nAre the units, common elements,\nand recreation facilities\ncomplete?\nNo\n\nProject Common\nElements Completed\nIndicator\n\nIndicates that the common elements and\nrecreation facilities in the project are\ncomplete.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommonElements\nCompletedIndicator=‘N’]\n\n1\n\nBoolean\n\nPROJECT\nINFORMATION\n\nPUD\nIf no, describe the status of\ncompletion\n\nProject Common\nElements Status\nDescription\n\nA free-form text field used to comment on\nthe status of the project common elements\nand/or recreation facilities.\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT/@_CommonElements\nStatusDescription\n\n4000\n\nString\n\nPROJECT\nINFORMATION\n\nPUD\nAre the common elements leased\nto or by the Homeowners'\nAssociation?\nYes\n\nProject Common\nElements Leased\nIndicator\n\nIndicates that project common elements\nare leased by the project management\n(e.g., HOA).\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommonElements\nLeasedIndicator=‘Y’]\n\n1\n\nBoolean\n\n442\n\n3\n\n63\n\nPROJECT\nINFORMATION\n\nPUD\nAre the common elements leased\nto or by the Homeowners'\nAssociation?\nNo\n\nProject Common\nElements Leased\nIndicator\n\nIndicates that project common elements\nare leased by the project management\n(e.g., HOA).\n\n/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommonElements\nLeasedIndicator=‘N’]\n\n1\n\nBoolean\n\n443\n\n444\n\n445\n\n446\n\n447\n\n3\n\n3\n\n4\n\n4\n\n4\n\n64\n\n65\n\n2\n\n3\n\n4\n\nPROJECT\nINFORMATION\n\nPUD\nIf yes, describe the rental terms\nand options.\n"}

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+{"chunk":{"char_end":1720,"char_start":0,"chunk_id":"chk_f17e55ce6b2ba25c","chunk_index":0,"chunk_sha256":"011c8191f73a94575d02d5af98459d5637f2a51a37682ccac50e055f74b1d9bf","date_utc":"2026-01-27T18:02:21+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_63a062ba0015fe4b","text_sha256":"011c8191f73a94575d02d5af98459d5637f2a51a37682ccac50e055f74b1d9bf","token_estimate":430,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/du-v-111-integration-impact-memo-feb-10-2024.pdf"]},"text":"Desktop Underwriter/Desktop Originator Integration Impact Memo\nDU Version 11.1 Feb. Update\n\nDec. 13, 2023\n\nUpdated Dec. 20, 2023\n\nDuring the weekend of Feb. 10. 2024, Fannie Mae will implement an update to Desktop Underwriter® (DU®) Version 11.1. The\nchanges in this release will apply to loan casefiles submitted or resubmitted to DU on or after the weekend of Feb. 10, 2024.\n\nPlease review this memo, in addition to the Release Notes to ensure that your integrated system(s) will be prepared to support\nthis release.\n\nNew, Modified, and Retired DU Underwriting Findings Messages\n\nThis release will introduce new, modified, and retired messages that will be issued in the DU Underwriting Findings report.\n\nHow will this affect my integrated system(s)?\n\nIntegrated systems that parse the DU Underwriting Findings report data file (RES file) or Codified Findings (XML file), as well as\nthose that parse the DU Underwriting Findings via the DU Messages API, may require updates to support the message changes.\nReference the table below for a preliminary assessment of the anticipated message changes.\n\nNew Messages\n\nModified Messages\n\nRetired Messages\n\n1\n\n1\n\n1\n\nThe draft DU messages file will be distributed via email from Integration News (integration_news@fanniemae.com) to authorized\nsubscribers on or about Dec. 20, 2023.\n\nRelease Support\n\nThe DU Version 11.1 Feb. Update will be implemented in the DU integration environment on or around Jan. 10, 2024.\n\nIf you have questions about the integration impact or if you require support specific to this release, contact your Technology\nIntegration Analyst or Integration Support. For more information about DU, visit the DU page or contact your Fannie Mae\nrepresentative.\n"}

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+{"chunk":{"char_end":779614,"char_start":777914,"chunk_id":"chk_191b101ba38a366e","chunk_index":464,"chunk_sha256":"013fb0372cfafb84d90124f8f8b53cd137bb3dc0525a9a4f96681dec307726b8","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"013fb0372cfafb84d90124f8f8b53cd137bb3dc0525a9a4f96681dec307726b8","token_estimate":425,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"Small rooms often with low ceilings, limited\ncloset or storage space, and little or no trim\nor finishes.\nLow grade or non-existent floor coverings.\nSmall kitchens featuring only the minimum\nrequirements for function; with limited\ncabinetry and countertop space; and low-\ngrade or non-existent appliances.\nBathrooms that are limited in size and\nnumber and feature only the minimum\nrequirements for function; limited or no\ncabinetry; and low-grade plumbing fixtures.\n\nQ3\n\nQ4\n\nQ5\n\nQ6\n\n•\n\n• Multiple windows and doorways constructed\nwith upgraded materials and featuring\ndecorative design elements adorning at least\nthe front of the home.\nRoof designs using upgraded roof materials;\nmay have steep pitches, could have more\nthan one ridge with hips and valleys, gables,\nand overhangs.\nExterior walls constructed using upgraded\nmaterials and featuring multiple corners\nwith some angled walls or unique shapes.\n\n•\n\n• Windows and doorways constructed of\n\n•\n\n•\n\n•\n\n•\n\n•\n\n•\n\n•\n\n•\n\nstandard-grade material.\nSimple roof designs using standard-grade\nroof materials with moderate pitch and\ncould have more than one ridge; may\nfeature some simple decorative elements\nsuch as gables or overhangs.\nExterior walls constructed using standard-\ngrade materials and featuring multiple\ncorners; but basically rectangular in shape or\nfootprint.\n\nLimited windows and doorways, constructed\nof economy grade materials, simple in shape\nand design, and featuring basic trim and\nfinish.\nBasic roof design, usually low-pitch and\nsingle roofline; features economy or\nstandard-grade roof materials.\nExterior walls constructed using economy or\nstandard-grade materials and featuring\nminimal corners; usually a basic rectangular\nshape.\n"}

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+{"chunk":{"char_end":11598,"char_start":10974,"chunk_id":"chk_4ebae9011b4f77eb","chunk_index":15,"chunk_sha256":"0146713871f48b5a9ce7af0cf84c4914e1f39cd6e27ed21658ec5053c9550e14","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"0146713871f48b5a9ce7af0cf84c4914e1f39cd6e27ed21658ec5053c9550e14","token_estimate":523,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"CK-H2 – Checkbox with H2 ................................................................................................................................. 26\n\nCK-TAB – Checkboxes on Black Tab .................................................................................................................... 26\n\nCK-1I – Checkbox one column Indented ............................................................................................................. 27\n\nTable Guidelines ............................................................................................................................................ 27\n"}

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+{"chunk":{"char_end":1600,"char_start":0,"chunk_id":"chk_9b09d19fab75c9a0","chunk_index":0,"chunk_sha256":"0146f895d7a65e3876fc4ef6506ba8c14efea21f6efdba8a23c5edc3d4ab5cc3","date_utc":"2026-01-27T18:31:57+00:00","doc_type":"xml","paths":{"json":"","txt":null},"source_id":"src_f7d01bb05d443ddd","text_sha256":"0146f895d7a65e3876fc4ef6506ba8c14efea21f6efdba8a23c5edc3d4ab5cc3","token_estimate":400,"warnings":["source_path=Appendix D-1 URAR Sample Use Cases and XML Files/Appendix D-1 SF5_Appraisal/_.xml/SF5_Appraisal_v1.1.xml"]},"text":"PhysicalMeasurement\n\nMLS\n\nHC3148234\n\nMLS\n\nHC3183023\n\nMLS\n\nHC1234823\n\nMLS\n\nHC9652147\n\nMLS\n\nHC74563455\n\nMLS\n\nABC MLS\n\nAssessorRecord\n\n213 Tree Stand Rd\n\nAnytown\n\nHill\n\n09992\n\nMD\n\nDriveway\n\nConcrete\n\n3\n\nfalse\n\n\\\\Images\\SF5_VehicleStorage.png\n\nimage/png\n\nNone\n\nfalse\n\nfalse\n\nfalse\n\nNone\n\nNone\n\nfalse\n\ntrue\n\nfalse\n\nDwelling\n\nfalse\n\n2018\n\nfalse\n\nNone\n\nCarpet\n\nTypicalWearAndTear\n\nCeramicTile\n\nTypicalWearAndTear\n\nFlooring\n\nNotUpdated\n\nTypicalWearAndTear\n\nWallsAndCeiling\n\nEightFeet\n\nFlat\n\nAboveGrade\n\n1260\n\nLevelOne\n\n0\n\n0\n\n0\n\n0\n\n0\n\n1260\n\n0\n\nfalse\n\n3\n\n2\n\n0\n\nC3\n\nQ4\n\n1\n\nNotUpdated\n\nfalse\n\nOwnerOccupied\n\nThe dwelling has been well-maintained and exhibits only minimal wear and tear.\n\nPrimary Bedroom\n\n\\\\Images\\SF5_Bedroom1.png\n\nimage/png\n\nLevelOne\n\nBedroom\n\nSecond Bedroom\n\n\\\\Images\\SF5_Bedroom2.png\n\nimage/png\n\nLevelOne\n\nBedroom\n\nThird Bedroom\n\n\\\\Images\\SF5_Bedroom3.png\n\nimage/png\n\nLevelOne\n\nBedroom\n\n\\\\Images\\SF5_DiningRoom.png\n\nimage/png\n\nLevelOne\n\nDiningRoom\n\nPrimary Bath\n\n\\\\Images\\SF5_Bath1.png\n\nimage/png\n\nLevelOne\n\nTypicalWearAndTear\n\nStandard grade cabinetry and plumbing fixtures\n\nFullBathroom\n\nNotUpdated\n\nBath 2\n\n\\\\Images\\SF5_Bath2.png\n\nimage/png\n\nLevelOne\n\nTypicalWearAndTear\n\nStandard grade cabinetry and plumbing fixtures\n\nFullBathroom\n\nNotUpdated\n\n\\\\Images\\SF5_Kitchen.png\n\nimage/png\n\nLevelOne\n\nTypicalWearAndTear\n\nUpgraded cabinetry, ceramic tile flooring, and upgraded appliances\n\nKitchen\n\nNotUpdated\n\n\\\\Images\\SF5_LivingRoom.png\n\nimage/png\n\nLevelOne\n\nLivingRoom\n\nRanch\n\nSiteBuilt\n\nBrick\n\nWood\n\nTypicalWearAndTear\n\nExteriorWallsAndTrim\n\nPouredConcrete\n\nSlab\n\nTypicalWearAndTear\n\nFoundation\n"}

APPRAISAL_RAG/chunks/json/014d31e6ad9a7f918cd54041c10c7821747055e6398ce717d999d561f35787eb.json

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+{"chunk":{"char_end":65405,"char_start":63807,"chunk_id":"chk_d91bc2a7f5bb97ce","chunk_index":31,"chunk_sha256":"014d31e6ad9a7f918cd54041c10c7821747055e6398ce717d999d561f35787eb","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ea3c111fc78119b4","text_sha256":"014d31e6ad9a7f918cd54041c10c7821747055e6398ce717d999d561f35787eb","token_estimate":400,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ucd-v20-implementation-guide.pdf"]},"text":"1. LoanPurposeType value (“Refinance” or “Purchase”)\n\n2. PersonalPropertyIndicator value (“false” or “true”)\n\nThe following checklist provides an overview of the relationships between the values delivered for each property value\n\ndata point. UCD v2.0 provides the superset of data points to support each valuation scenario.\n\nFigure 11. Property Valuation Scenarios.\n\na. Refinance Transactions\n\nThe data points provided for the value of the property depend on the transaction. The appraised value or borrower’s\n\nestimate is submitted for a refinance and the sales price of the property is submitted for a purchase.\n\nFigure 12. Rendering Property Value Data on the CD.\n\n1.0 Closing Information\n\n1.7 Appraised Property Value\n\nUCD v2.0 Implementation Guide\n\n- 21 -\n\nVersion 1.0\n\nUniform Closing Dataset\n\nV. XML File Data Payload A to Z\n\nFigure 12. Rendering Property Value Data on the CD.\n\nOR\n Estimated Property Value $300,000\n\ni. Estimated Value\n\nWhether the valuation has been determined by a professional source or is estimated by the borrower determines the\n\ndata point to provide in the XML file. The estimated value is provided in PROPERTY_DETAIL.\n\nTable 9. UCD v2.0 Spec Excerpt-Construction Method and Estimated Property Value Data\nRequirements.\n\nUCD 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/COL\nLATERALS/COLLATERAL/SUBJECT_PROPERTY/PROPERTY_DETAIL\n\n1.027\n\nConstructionMethodType\n\nOther\n\n1.028\n\nConstructionMethodTypeOtherDescription Container\n\n1.017\n\nPropertyEstimatedValueAmount\n"}

APPRAISAL_RAG/chunks/json/0157d44d772fe4deabc2dd4698883b0a1dc8aecbe32a2e0386a14572f9bd2ef2.json

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+{"chunk":{"char_end":19661,"char_start":18059,"chunk_id":"chk_4629bd26763b2611","chunk_index":11,"chunk_sha256":"0157d44d772fe4deabc2dd4698883b0a1dc8aecbe32a2e0386a14572f9bd2ef2","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_c575015ae885c587","text_sha256":"0157d44d772fe4deabc2dd4698883b0a1dc8aecbe32a2e0386a14572f9bd2ef2","token_estimate":401,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E-1 URAR with Codes.pdf"]},"text":"2 COLUMN PAGE FORMAT\n\nHDR-R\n\nHDR-L\n\nTAB\n\nFunctional Obsolescence\n\nTXR-B\n\nFunctional Issues\n\nH1\nTXC\n\nH1\n\nFunctional Obsolescence Commentary\n\nFunctional Obsolescence 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\nTAB\n\nOutbuilding - [Outbuilding Type]\n\n2 COLUMN PAGE FORMAT\n\nHDR-R\n\nTXR-B\n\nTXR-B\n\nTXC-I1\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\nH1\n\nDetail\n\nCK1\nCK1\n\nHeating\nCooling\n\nTXR-B\n\nUtilities\n\nY/N\n\nYes No\n \n \n\nTXC-I1\n\nThe table below depicts the area of the outbuilding, excluding vehicle\nstorage and any ADU(s)\n\nTCH\nTB\nTB\n\nFinish\nFinished\n\nUnfinished\n\nTotal Area\n\nRoom Summary\n\nH1\n\nMechanical System Details\n\nTCH\nTB\nTB\n\nHeating\n\nCooling\n\nSystem\n\nDetail\n\nTXR-B\n\nOther Mechanical Systems\n\nH1\n\nApparent Defects, Damages, Deficiencies ([Outbuilding Type])\n\nTXC-I\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\nTCH\nTB\n\nH1\nTXC\n\nH1\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"}

APPRAISAL_RAG/chunks/json/0158af2544c24e8ad68b9adb004a9607bf4e03f51a7928e3dc421a01340d36f8.json

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+{"chunk":{"char_end":66198,"char_start":64578,"chunk_id":"chk_0979b17d29827f0f","chunk_index":35,"chunk_sha256":"0158af2544c24e8ad68b9adb004a9607bf4e03f51a7928e3dc421a01340d36f8","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"0158af2544c24e8ad68b9adb004a9607bf4e03f51a7928e3dc421a01340d36f8","token_estimate":405,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"A. Containers: V3.0 Reference Model Organization\n\nThe V3.0 Reference Model is an XML schema document representing logical categories\nof real estate finance industry data, the relationships among those categories, and the data\npoints making up each category. In the V3.0 Reference Model, these categories are called\n“containers.” Containers are simply collections of related data. Containers that hold other\ncontainers are “parents” and the containers they hold are “children.” In a hierarchy of\nrelated containers, the lowest level container holds only data points. There are no “mixed\ncontainers,” that is, containers holding both child containers and data points.\n\nEach container has a child EXTENSION container. Business partners use the EXTENSION\ncontainer to hold trading-partner specific data points that are not part of the MISMO\nstandard. ULDDS Appendix A does not use any EXTENSION containers.\n\nThe root (highest level) container in the MISMO V3.0 Reference Model is MESSAGE. In\nthe example below, MESSAGE is the parent of ABOUT_VERSIONS, DEAL_SETS, and so on.\nABOUT_VERSIONS and DEAL_SETS are children of MESSAGE.\n\n_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 25 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nExample IV -1. Relationships among Containers.\n\nABOUT_VERSIONS\n\nDEAL_SETS\n\nDOCUMENT_SETS\n\nRELATIONSHIPS\n\nSYSTEM_\nSIGNATURES\n\nEXTENSION\n\nMESSAGE\n\nNotes: ULDDS Appendix A uses\nonly the ABOUT_VERSIONS and\nDEAL_SETS containers.\n\n1. Applicability: Containers used for Loan Delivery\n"}

APPRAISAL_RAG/chunks/json/0164af648be59f0ef2cab6170b9a765e6aeba0369a191995213ba512a55324a5.json

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+{"chunk":{"char_end":374086,"char_start":372457,"chunk_id":"chk_4146b349d9b20aaa","chunk_index":221,"chunk_sha256":"0164af648be59f0ef2cab6170b9a765e6aeba0369a191995213ba512a55324a5","date_utc":"2026-01-27T18:08:10+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_ba6e63f8054fcdc9","text_sha256":"0164af648be59f0ef2cab6170b9a765e6aeba0369a191995213ba512a55324a5","token_estimate":408,"warnings":["source_path=Appendix F-1 URAR Reference Guide/_.pdf/Appendix F-1 URAR Reference Guide v1.3.pdf"]},"text":"12.022 Description\n\n12.023 Affects\n\nSoundness or\nStructural\nIntegrity\n\n12.024 Recommended\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\nIf the defect, damage, or deficiency is in the ADU portion of the\noutbuilding, report this in the Unit Interior section.\nPhotos or images must be provided for each physical defect, damage, or\ndeficiency. These display in Outbuilding Exhibits as “Apparent Defects,\nDamages, Deficiencies” with the indicated Feature. An additional caption\nmay be provided.\n\nFull Bathroom\nHalf Bathroom\nKitchen\nOther (Describe) – Briefly describe the location of the defect, damage, or\ndeficiency.\n\n•\n\n•\n•\n•\n•\n\nChoose an\nallowable answer\nfrom the\nDefinition /\nAdditional\nGuidance column\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\nCompletion\nInspection\nRepair (includes replacement)\nNone (does not require repair, replacement, completion, or inspection)\n\nThe recommended action for the defect, damage, or deficiency.\n•\n•\n•\n•\nNote:\n•\n\nIf Completion, Inspection, or Repair is reported for any defect, damage, or\ndeficiency\n\no\n\no\n\nThe report must be made subject to the resolution of the item\n(Market Value Condition 26.009 cannot be As Is).\nIf Repair is selected, the estimated cost to repair may be\nprovided in the Reconciliation section.\n\nAppendix F-1: URAR Reference Guide\n"}

APPRAISAL_RAG/chunks/json/0164d776bd223d1da6fc465e1e199f7ae04b9c114c7c36d9e4ba0af62f2a66ae.json

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+{"chunk":{"char_end":27337,"char_start":25522,"chunk_id":"chk_7ee52a8bb8b16eb2","chunk_index":14,"chunk_sha256":"0164d776bd223d1da6fc465e1e199f7ae04b9c114c7c36d9e4ba0af62f2a66ae","date_utc":"2026-01-27T18:10:30+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_37a5a2ad11540249","text_sha256":"0164d776bd223d1da6fc465e1e199f7ae04b9c114c7c36d9e4ba0af62f2a66ae","token_estimate":454,"warnings":["source_path=Public_Use_Database___FHFA/links/_.pdf/2020-11819 (1).pdf"]},"text":"Introductory Rate Period: Introductory\n\nRate Period is a new HMDA data\nelement collected by the Enterprises\nthat indicates the number of months\nuntil the first date the interest rate may\nchange.28 It will be disclosed without\nmodification in the PUDB Single-Family\nCensus Tract File, in conformance with\nthe CFPB Privacy Guidance.29\n\nProperty Value: Property Value is a\nnew HMDA data element collected by\nthe Enterprises that discloses the value\nof the property securing the loan, in\nexact dollars, that was relied on by the\nlender in making the credit decision to\n\n26 12 CFR 1003.4(a)(19); CFPB Home Mortgage\n\nDisclosure Act FAQs, https://\nwww.consumerfinance.gov/policy-compliance/\nguidance/hmda-implementation/home-mortgage-\ndisclosure-act-faqs/#discount-points (Aug. 28,\n2019).\n\n27 84 FR at 656.\n28 12 CFR 1003.4(a)(26).\n29 84 FR at 656.\n\noriginate the loan.30 Because Property\nValue can be highly unique within a\ncensus tract, the CFPB Privacy Guidance\ndiscloses it as the midpoint of the\n$10,000 interval in which the actual\nvalue falls in order to reduce the ability\nto match it with other sources of data\nand facilitate re-identification of the\nborrower.31 Beginning with the 2018\nPUDB, the Single-Family Census Tract\nFile will disclose Property Value with\nthe same modification as in the CFPB\nPrivacy Guidance.\n\nPreapproval: 32 Preapproval is a\nmodified HMDA data element that\nindicates whether preapproval of the\nloan was requested by the applicant\nunder a financial institution’s covered\npreapproval program.33 Fannie Mae\nindicated that it collects some\npreapproval data. Freddie Mac\nindicated that it does not collect any\npreapproval data. The available\nPreapproval data will be disclosed\nwithout modification in the PUDB\nSingle-Family Census Tract File, in\nconformance with the CFPB Privacy\nGuidance.34\n"}

APPRAISAL_RAG/chunks/json/016d59a6c54c2875ba654b1c96b875291271001bd72e2b3244e4757aa37e4d2e.json

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+{"chunk":{"char_end":2177,"char_start":1623,"chunk_id":"chk_28ce0cd3e289fa9f","chunk_index":1,"chunk_sha256":"016d59a6c54c2875ba654b1c96b875291271001bd72e2b3244e4757aa37e4d2e","date_utc":"2026-01-27T18:02:27+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_3f9ebb0aa59a61e9","text_sha256":"016d59a6c54c2875ba654b1c96b875291271001bd72e2b3244e4757aa37e4d2e","token_estimate":487,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles.pdf"]},"text":"Glossary .................................................................................................................................. 5\n\nIntroduction ............................................................................................................................. 6\n\nDocument Organization .......................................................................................................... 6\n\nData Relationships .................................................................................................................... 7\n"}

APPRAISAL_RAG/chunks/json/016e66df3a65188ae04f6f832e50d7b270019c144af6738d96b249611e8985db.json

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+{"chunk":{"char_end":109183,"char_start":107550,"chunk_id":"chk_eca3006cbe625e44","chunk_index":110,"chunk_sha256":"016e66df3a65188ae04f6f832e50d7b270019c144af6738d96b249611e8985db","date_utc":"2026-01-27T18:08:00+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_7d9af776cdf19c38","text_sha256":"016e66df3a65188ae04f6f832e50d7b270019c144af6738d96b249611e8985db","token_estimate":409,"warnings":["source_path=Appendix E Report Style Guide (1)/_.pdf/Appendix E Report Style Guide.pdf"]},"text":"Type 2: 9 picas 0 points wide, with content (TB) for the balance of the Subject Property column.\n\n•\n\nIf applicable per the iGuide, an em-dash “—” can appear in a cell instead of other text.\n\nIn the Comparable columns, four of the five types of cells appear.\n\nType 2: 9 picas 0 points wide, with content (TB), if applicable.\n\n•\n\nIf applicable per the iGuide, an em-dash “—” can appear in a cell instead of other text.\n\nType 3: 5 picas 3 points wide, with content (TB), if applicable.\n\nType 4: 3 picas 6 points wide, with adjustment dollar figure content (TB), if applicable.\n\nType 5: 3 picas 6 points wide, with a 10% Black fill (grayed out), no content for the following: “Days on\n\nMarket,” “Annual Ground Rent,” “Rights Not Included,” “Same Builder as Subject”\n\nTable sets 5 equal columns x 45 picas. May run several pages. Photos display on first page of grid only. TCHs and\n“Property Address” row repeat on subsequent pages. Table can only break from page to page before a TB-\nSCA_sub-H1, TB-SCA_sub-H1-ADJ or TB-SCA_H2.\n\n• Column heads: Column 1 – none, “Subject Property,” “Comparable #1,” “Comparable #2,”\n“Comparable #3” set as TCH; TCHs repeat at the top of subsequent pages of this table.\n\n•\n\n•\n\nIf there are more than 3 comparables, after all the information is recorded for Comps 1-3, the\nleftmost column and the “Subject Property” column repeat on following pages, followed by\n“Comparable #” repeating as necessary.\n\n“Property Address” sets first column, first row as TB; Photo = 7 picas high; addresses and photos of\nSubject and Comparables fill cells of the balance of the row, photos do not repeat on subsequent\npages.\n"}

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+{"chunk":{"char_end":74964,"char_start":73032,"chunk_id":"chk_d1aa40019f227882","chunk_index":40,"chunk_sha256":"0171540ba71e5481285f6d6c4002930060887a9d35c80d9f14363b1add6d9273","date_utc":"2026-01-27T18:02:26+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_0d632c2b4f936313","text_sha256":"0171540ba71e5481285f6d6c4002930060887a9d35c80d9f14363b1add6d9273","token_estimate":483,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/mismo-v-30-and-uldd-specification-uldds-user-guide.pdf"]},"text":"_____________________________________________________________________________________________\nDocument Version 1.1\nMISMO V3.0 and the ULDDS: User Guide\n\nPage 29 of 76\n\nSection IV. Using the MISMO V3.0 Reference Model\n\nTable IV-1. Definitions of High-Level Containers\n\n….POOL_DETAIL\n\n..PARTIES\n\n…PARTY\n\n….ROLES\n\nInformation about parties to the transaction at the\nMESSAGE level.\n\n….:PARTY_ROLE_IDENTIFIERS\n\nThe unique identifier assigned to a PartyRoleType, in\nthis case, LoanDeliveryFilePreparer.\n\nB. Cardinality: Container Repeatability and Relationships\n\nIf a container is plural, its singular child can repeat multiple times within it. For example,\nDEAL_SET can repeat many times within DEAL_SETS. This establishes a one-to-many\nrelationship between the plural and singular containers. In the ULDDS Appendix A, you\nwill see the notation “(MIN=n, MAX=n)” following each container name in the heading\nbars:\n\nTable IV-2. Cardinality Example from ULDDS Appendix A.\n\nMESSAGE (MIN=1, MAX=1)\n\n.ABOUT_VERSIONS (MIN=1, MAX=1)\n\n..ABOUT_VERSION (MIN=1, MAX=1)\n\n.DEAL_SETS (MIN=1, MAX=1)\n\n..DEAL_SET (MIN=1, MAX=unbounded)\n\nThis (MIN, MAX) expression is referred to as the container’s cardinality—the\nspecification of how many times the container may repeat within its parent. “MIN”\nrepresents the minimum number of occurrences allowed, and “MAX” represents the\nmaximum number of occurrences allowed. If the MIN is greater than or equal to one, the\ncontainer is required with all transactions. If the MIN is zero, the container is\nconditionally required or optional. The conditionality of the data points within the lowest\nlevel container is what determines the container’s minimum cardinality. If a container\nholds only optional or conditional data points, its cardinality will be MIN=0, because there\nare situations where the data point will not be required. If a container holds any required\ndata points, its cardinality will be MIN = 1.\n"}

APPRAISAL_RAG/chunks/json/01775709fe2cb5b8071db2ac206adbe2691fc769b925630e000a90d91c946f1d.json

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APPRAISAL_RAG/chunks/json/017d51286761275b8ae74a770587fae410fcfc723b64050e8cbb7f7d73c7cc91.json

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APPRAISAL_RAG/chunks/json/01916139f8af7aa374e66a9e4deb6fe2b04c472c8940952876e8e1b6cdb244ad.json

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+{"chunk":{"char_end":332463,"char_start":330853,"chunk_id":"chk_f5d86f7b5c554950","chunk_index":181,"chunk_sha256":"01916139f8af7aa374e66a9e4deb6fe2b04c472c8940952876e8e1b6cdb244ad","date_utc":"2026-01-27T18:02:25+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_bcba9bab8b05a5da","text_sha256":"01916139f8af7aa374e66a9e4deb6fe2b04c472c8940952876e8e1b6cdb244ad","token_estimate":403,"warnings":["source_path=Technology_Integration_Resources___Fannie_Mae/links/_.pdf/appendix-e-ucd-implementation-guide-v14.pdf"]},"text":"ClosingCostsPaidBefo\nreClosing\n\nROF as “Closing Costs\nPaid Before Closing”\n\nThird Instance of CASH_TO_CLOSE_ITEM\n\n10.3.3 Did this change?\n\n…/CASH_TO_CLOSE_I\nTEM\n\nIntegratedDisclosure\nCashToCloseItemAm\nountChangedIndicato\nr\n\nfalse\n\nROF as “NO”\n\n10.3.4 If yes…\n\n10.3.1 Loan Estimate\n\n10.3.2 Final\n\nIntegratedDisclosure\nCashToCloseItemCha\nngeDescription\n\nN/A\n\nIntegratedDisclosure\nCashToCloseItemEsti\nmatedAmount\n\n0.00\n\nIntegratedDisclosure\nCashToCloseItemFina\nlAmount\n\n0.00\n\nROF as “$0”\n\nROF as “$0.00”\n\n10.3 Closing Costs\n\nFinanced (Paid from\nyour Loan Amount)\n\nIntegratedDisclosure\nCashToCloseItemTyp\ne\n\nClosingCostsFinanced Formatting for form\n\nrequired\n\nFourth Instance of CASH_TO_CLOSE_ITEM\n\n10.4.3 Did this change?\n\n…/CASH_TO_CLOSE_I\nTEM\n\nIntegratedDisclosure\nCashToCloseItemAm\nountChangedIndicato\nr\n\nfalse\n\nROF as “NO”\n\n10.4.4 If yes…\n\n10.4.1 Loan Estimate\n\n10.4.2 Final\n\n10.4 Down Payment\n\nIntegratedDisclosure\nCashToCloseItemCha\nngeDescription\n\nN/A\n\nIntegratedDisclosure\nCashToCloseItemEsti\nmatedAmount\n\nIntegratedDisclosure\nCashToCloseItemFina\nlAmount\n\nIntegratedDisclosure\nCashToCloseItemTyp\ne\n\n18000.00\n\nROF as “$18,000.00”\n\n18000.00\n\nROF as “$18,000.00”\n\nDownPayment\n\nROF as “Down\nPayment”\n\nAppendix E: UCD Implementation Guide\n\nPage 152 of 254\n\nVersion 1.4\n\nUniform Closing Dataset\n\n10.0 Calculating Cash to Close\n\nTable 103. Calculating Cash to Close Table – Model Form and Split Disclosure – Borrower-Only\n\nID\n\nForm Field Name\n\nMISMO v3.3.0\nContext\n\nMISMO v3.3.0 Data\nPoint/Attribute MISMO v3.3.0 Value\n\nNotes\n\nFifth Instance of CASH_TO_CLOSE_ITEM\n\n10.5.3 Did this change?\n\n…/CASH_TO_CLOSE_I\nTEM\n"}

APPRAISAL_RAG/chunks/json/01ad3b11be74538c67460b16725af06fb85b6117c709d4deed7aac8f47f41f79.json

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+{"chunk":{"char_end":12653,"char_start":10049,"chunk_id":"chk_e87db7310217a19f","chunk_index":6,"chunk_sha256":"01ad3b11be74538c67460b16725af06fb85b6117c709d4deed7aac8f47f41f79","date_utc":"2026-01-27T18:10:34+00:00","doc_type":"markdown","paths":{"json":"","txt":null},"source_id":"src_a42a0f021e801ee3","text_sha256":"01ad3b11be74538c67460b16725af06fb85b6117c709d4deed7aac8f47f41f79","token_estimate":771,"warnings":["source_path=Public_Use_Database___FHFA/links/_.md/Mortgage_Loan_and_Natural_Disaster_Dashboard___FHF_f6obmb.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\\/34281\",\"currentPathIsAdmin\":false,\"isFront\":false,\"currentLanguage\":\"en\"},\"pluralDelimiter\":\"\\u0003\",\"suppressDeprecationErrors\":true,\"data\":{\"extlink\":{\"extTarget\":false,\"extTargetAppendNewWindowDisplay\":false,\"extTargetAppendNewWindowLabel\":\"(opens in a new window)\",\"extTargetNoOverride\":false,\"extNofollow\":false,\"extTitleNoOverride\":false,\"extNoreferrer\":true,\"extFollowNoOverride\":false,\"extClass\":\"ext\",\"extLabel\":\"(link is external)\",\"extImgClass\":false,\"extSubdomains\":true,\"extExclude\":\".*\\\\.gov\",\"extInclude\":\"\",\"extCssExclude\":\"\",\"extCssInclude\":\"\",\"extCssExplicit\":\"main.main-content\",\"extAlert\":false,\"extAlertText\":\"This link will take you to an external web site. We are not responsible for their content.\",\"extHideIcons\":true,\"mailtoClass\":\"0\",\"telClass\":\"0\",\"mailtoLabel\":\"(link sends email)\",\"telLabel\":\"(link is a phone number)\",\"extUseFontAwesome\":false,\"extIconPlacement\":\"append\",\"extPreventOrphan\":false,\"extFaLinkClasses\":\"fa fa-external-link\",\"extFaMailtoClasses\":\"fa fa-envelope-o\",\"extAdditionalLinkClasses\":\"\",\"extAdditionalMailtoClasses\":\"\",\"extAdditionalTelClasses\":\"\",\"extFaTelClasses\":\"fa fa-phone\",\"allowedDomains\":null,\"extExcludeNoreferrer\":\"\"}},\"ajaxTrustedUrl\":{\"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM\":true},\"user\":{\"uid\":0,\"permissionsHash\":\"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180\"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();\n"}

APPRAISAL_RAG/chunks/json/01b1d7d6bcaf243258697abef50cdf58ac83bbca7ffd41d58fc2682ecc340861.json

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+{"chunk":{"char_end":938626,"char_start":937103,"chunk_id":"chk_3c5f32ade3711cfe","chunk_index":558,"chunk_sha256":"01b1d7d6bcaf243258697abef50cdf58ac83bbca7ffd41d58fc2682ecc340861","date_utc":"2026-01-27T18:01:11+00:00","doc_type":"pdf","paths":{"json":"","txt":null},"source_id":"src_4d7067077898c50a","text_sha256":"01b1d7d6bcaf243258697abef50cdf58ac83bbca7ffd41d58fc2682ecc340861","token_estimate":501,"warnings":["source_path=Assorted/_.pdf/UAD Appendix A updated 02-03-22 (1).pdf"]},"text":"Allowable Values\n C1\n C2\n C3\n C4\n C5\n C6\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\nPDF Display Format:\nWhole dollars only.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nSpecify Above Grade Rooms Only\n\nPDF Display Format:\nWhole numbers only.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nSpecify Above Grade Bedrooms Only\n\nPDF Display Format:\nWhole numbers only.\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\nSpecify Above Grade Bathroom Only\n\nPDF Display Format:\nFull Bath Count.Half Bath Count\nnn.nn\n\nUAD Requirement - Refer to Appendix D Sales Comparison Approach Section\n\nThe sum of this field 3-86 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, 3-87, 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\nThe sum of this field 3-87 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, 3-91, 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\nThe sum of this field 3-91 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, 3-93,\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"}