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chunks/txt/19d8c561635b4e8ed4574bca0eb6de474d19ebeed93e59db3d74619e2aaa9558.txt

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+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"taxonomy\/term\/13451","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"ajaxPageState":{"libraries":"eJyFUNFuwyAM_CEInxSZ5KC0ECPsNM2-fqTppElbtxeD784nnz1U0UY8KgvmMaTcW3G0Ko-y-pLU-N8lEQsaZeMzfezOJx7oSg8zcYObuFResKgM4RLI2sDch96QFzR-Q1WKsJo04xTMba2UByWfIdzU4KE5Lbcv4tWaY9qhUMq2p5CppaqJlxOPmT11QveujU9sLEkm11C7p51IEbnt9rqWag8_MbKLojhPArPKNst4fF1oVLBxu5l7wibuWc9DfAcKz2uPsMEHbsW93gEZpYcdZmjfVAah-_8i5Rj_8CoQ6Uf7wR_lE6N1vxA","theme":"fhfa","theme_token":null},"ajaxTrustedUrl":{"\/reports\/information-resources-management-strategic-plan":true,"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":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":""}},"views":{"ajax_path":"\/views\/ajax","ajaxViews":{"views_dom_id:e3c9d6b7fe2e3d2e2468e8e17bde13a78a62334cd471729986ed99142445a6f1":{"view_name":"reports_taxonomy_view","view_display_id":"block_1","view_args":"13451","view_path":"\/taxonomy\/term\/13451","view_base_path":null,"view_dom_id":"e3c9d6b7fe2e3d2e2468e8e17bde13a78a62334cd471729986ed99142445a6f1","pager_element":0}}},"better_exposed_filters":{"autosubmit_exclude_textfield":false},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();

chunks/txt/19f43986343eb77e89109a365e2a2ef56b2158d8b5a9c461b560c532fddaef95.txt

@@ -0,0 +1,83 @@
+Holds data points and child containers describing
+loan maturity terms.
+
+Holds data points specifying the maturity terms of
+the loan.
+
+Figure 93. Rendering Loan Maturity Period Data on the CD.
+
+3.0 Loan Information
+
+3.1 Loan Term 30 Years
+
+The period until the loan matures—the loan term—is provided using two “partner” data points—identical terms with two
+differing suffixes: LoanMaturityPeriodCount and LoanMaturityPeriodType.
+
+1. The partner data point ending in “Count” specifies the number of units. The values provided for data points ending in
+
+“Count” must always be whole numbers.
+
+2. The partner data point ending in “Type” indicates the unit of measure. The datasets developed under the UMDP have
+
+standardized on months as the unit of time for expressing time periods.
+
+Table 58. UCD v2.0 Excerpt of Loan Maturity Period Data Requirements.
+
+UCD UID MISMO v3.3.0 Data Point
+
+Delivered Value
+
+Implementation Notes
+
+MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEA
+L_SET/DEALS/DEAL/LOANS/LOAN/MATURITY/MATURITY_RULE
+
+3.001
+
+LoanMaturityPeriodCount
+
+360
+
+3.002
+
+LoanMaturityPeriodType
+
+Month
+
+Figure 94. XML Snippet - Example of Loan Maturity Period Data.
+
+<MESSAGE>
+…
+ <DEAL>
+
+<LOANS>
+ <LOAN>
+
+<MATURITY>
+
+<MATURITY_RULE>
+
+<LoanMaturityPeriodCount>360</LoanMaturityPeriodCount>
+ <LoanMaturityPeriodType>Month</LoanMaturityPeriodType>
+</MATURITY_RULE>
+
+</MATURITY>
+
+…
+</MESSAGE>
+
+UCD v2.0 Implementation Guide
+
+- 119 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+T. MORTGAGE INSURANCE DATA
+
+Mortgage Insurance (MI) is defined as insurance against the nonpayment of, or default on, an individual mortgage. Examples
+of functional equivalents include Federal Housing Administration (FHA), Veteran Affairs (VA) or United States Department of
+Agriculture-Rural Development (USDA-RD) guarantees.

chunks/txt/1a1b603341c1650ebea4d79bc4a6c0c5cc3ffbb4017c18da52820f6cf0c95a88.txt

@@ -0,0 +1,3 @@
+Overview ................................................................................................................................................................................................................................................ 169
+
+Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 170

chunks/txt/1a1cc5ee67ddd9e580e10808720e297cfaaf96a24fc92f7fba33fd8d47a92a7f.txt

@@ -0,0 +1,123 @@
+Version 1.4
+
+Uniform Closing Dataset
+
+8.0 Other Costs Table
+
+8. 7 PREPAI D I NTEREST
+
+Prepaid Interest (also referred to as “Interim Interest”) is disclosed according to the same pattern with the
+following differences in the line item description:
+
+1.
+
+2.
+
+Include the per diem interest amount
+
+Indicate the interim interest period using the beginning and ending dates
+
+3. Do not identify the payee as it is assumed to be the lender.
+
+Prepaid Interest can be disclosed as a negative number if applicable. If no interest is collected during the period
+between closing and the first monthly payment, then $0.00 must be disclosed.
+
+The data points used to support the Prepaids category are shown in the following table.
+
+Figure 84. Prepaids
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0 Value
+
+Notes
+
+8.5.1 N/A - GSE
+
+…/PREPAID_ITEM/PR
+EPAID_ITEM_DETAIL
+
+FeePaidToType
+
+ThirdPartyProvider
+
+Not Shown –
+ATR/QM
+
+First Instance of PREPAID_ITEM
+
+8.5 N/A –XML
+
+IntegratedDisclosure
+SectionType
+
+Prepaids
+
+8.5.1 Homeowners
+
+Insurance Premium
+(# mo. to ___)
+
+8.5
+
+Homeowner’s
+Insurance Premium
+
+8.5
+
+Homeowner’s
+Insurance Premium
+
+N/A - GSE
+
+UID
+8.181
+
+8.5.1 Homeowners
+
+Insurance Premium
+(# mo. to ____)
+
+8.5.3 Borrower-Paid Before
+
+Closing ($)
+
+8.5.3 Borrower-Paid
+
+8.5.3 Before Closing
+
+…/PREPAID_ITEM/PR
+EPAID_ITEM_PAID_T
+O/LEGAL_ENTITY/LEG
+AL_ENTITY_DETAIL
+
+…/PREPAID_ITEM/PR
+EPAID_ITEM_PAYME
+NTS/PREPAID_ITEM_
+PAYMENT
+
+PrepaidItemMonthsP
+aidCount
+
+12
+
+ROF as “(12 mo.)”
+
+PrepaidItemType
+
+HomeownersInsuran
+cePremium
+
+@gse:DisplayLabelTe
+xt
+
+Homeowner’s
+Insurance Premium

chunks/txt/1a254182210c6bf40c5366f88048d4455337c51f221142b794ecaf2273977a53.txt

@@ -0,0 +1,99 @@
+Room Summary
+
+None
+
+Apparent Defects, Damages, Deficiencies (Barn)
+
+The items listed below represent the As Is condition as of the effective date of this report
+
+Feature
+Exterior Walls and
+Trim
+
+Location
+Entire Exterior
+
+Description
+The overall structure is showing deterioration;
+major issues include holes in the wall of the
+building.
+
+Affects Soundness or
+Structural Integrity
+No
+
+Recommended
+Action
+None
+
+Outbuilding Commentary
+
+This structure is an existing older barn.
+
+Outbuilding Exhibits
+
+Apparent Defects, Damages, Deficiencies -
+Exterior Walls and Trim
+
+Appraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1)
+
+Uniform Residential Appraisal Report
+
+Page 14 of 30
+
+Outbuilding - Rec Room/Garage
+
+Considered Real Property
+Units in Structure
+Gross Building Area
+
+Yes
+0
+900 Sq. Ft.
+
+Gross Building Area for the outbuilding includes area for vehicle storage,
+ADU(s), and any other uses
+
+Detail
+
+Heating
+Cooling
+
+Utilities
+
+Yes No
+ 
+ 
+
+Electricity
+
+Apparent Defects, Damages, Deficiencies (Rec Room/Garage)
+
+None
+
+Outbuilding Commentary
+
+This is where the Rec Room/Garage photo would display.
+
+The table below depicts the area of the outbuilding, excluding vehicle
+storage and any ADU(s)
+Finish
+Finished
+
+Room Summary
+1 - Recreation Room
+
+Total Area
+200 Sq. Ft.
+
+Unfinished
+
+0 Sq. Ft.
+
+This structure is an existing older, detached garage. 200 Sq. Ft. enclosed and finished space being used as a recreation room.
+
+Outbuilding Exhibits
+
+Recreation Room
+
+This is where the Recreation Room photo would display.

chunks/txt/1a2ba945cd8684252203b34dc2fc7470adc6f5fafd903cdae7821cbe5cfa275b.txt

@@ -0,0 +1,27 @@
+[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2024](/reports/single-family-guarantee-fees/2024) (12/22/2025)
+
+[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2023](/reports/single-family-guarantee-fees/2023) (1/17/2025)
+
+[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2022](/reports/single-family-guarantee-fees/2022) (5/2/2024)
+
+[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2021](/reports/single-family-guarantee-fees/2021)​ (11/16/2022)
+
+[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2020](/reports/single-family-guarantee-fees/2020)​ (12/21/2021)
+
+[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2019](/reports/single-family-guarantee-fees/2019) (12/14/2020)
+
+[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2018](/reports/single-family-guarantee-fees/2018)(12/18/2019)
+
+[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2017](/reports/single-family-guarantee-fees/2017) (12/10/2018)
+
+[FHFA Issues 2016 Report to Congress on Guarantee Fees](/news/news-release/fhfa-issues-2016-report-to-congress-on-guarantee-fees) (10/17/2017)
+
+[Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2016](/reports/single-family-guarantee-fees/2016) (10/17/2017)
+
+*Date last updated: 12/22/2025*
+
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*

chunks/txt/1a3921b8f105f05dddb4f81e0c1df2fcc4417614f89985ad36b9e4ce20d6b72c.txt

@@ -0,0 +1,36 @@
+"ParkingGarage") display ParkingSpacesCount (UID: 3200.0010, FID: 13.002)
+
+▪ When CarStorageType = "CommonCarport" OR "OpenLot" OR "ParkingGarage" display
+
+ProjectParkingSpaceAssignmentType (UID: 3200.0012, FID: 13.002). Display spaces and Assignment Type separated by
+“|”delimiter.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+o Detail – CarStorageAttachmentType (UID: 3200.0005, FID: 13.003), ImprovedSurfaceMaterialType (UID: 3200.0008, FID:
+
+13.003), CarStorageAreaMeasure (UID: 3200.0004, FID: 13.003) display as stacked. (Figure 13 - 2)
+
+Page 216
+
+Figure 13 - 1
+
+.
+
+The Apparent Defects, Damages, Deficiencies (Vehicle Storage) subsection displays when the CarStorageType <> “None”.
+
+When VehicleStorageDefectsExistIndicator (UID: 3200.0021, FID: 13.004) = “true”, display static text in italics (FID: 13.004), “The items listed
+below represent the As Is condition as of the effective date of this report” and additional data is required in the table below the text. (Figure
+13 - 3)
+
+When defects, damages, or deficiencies exist the following data is required for each occurrence:
+
+• Feature - CarStorageType (UID: 3200.0006, FID: 13.0005|13.005.1)
+
+• Location - Is the DefectItemLocationType (UID: 3900.0183, FID: 13.006) = “Other” AND DefectItemLocationTypeOtherDescription
+
+(UID: 3900.0184, FID: 13.006).
+
+• Description - DefectItemDescription (UID: 3900.0181, FID: 13.007)
+• Affects Soundness or Structural Integrity - DefectItemAffectsSoundnessStructuralIntegrityIndicator (UID: 3900.0180, FID: 13.008)
+• Recommended Action - DefectItemRecommendedActionType (UID: 3900.0185, FID: 13.009)

chunks/txt/1a3abe89c7e59e093cdb19c6818191a13bf1d62658ad7d92ff90e69358ae51f5.txt

@@ -0,0 +1,92 @@
+PROJECT SITE Density
+
+Site Feature
+Comment
+
+Site Feature
+Comment
+
+Site Feature
+Comment
+
+A free-form text field describing the
+neighborhood.
+A free-form text field used to discuss
+market conditions in the neighborhood
+that may effect property values.
+A free-form text field used to describe or
+comment on the aspect of the property
+named in the Site Feature Type.
+A free-form text field used to describe or
+comment on the aspect of the property
+named in the Site Feature Type.
+A free-form text field used to describe or
+comment on the aspect of the property
+named in the Site Feature Type.
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/@_Description
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/@_MarketConditi
+onsDescription
+
+/VALUATION_RESPONSE/PROPERTY/SITE/SITE_FEATURE[@_Type='Top
+ography']/@_Comment
+
+/VALUATION_RESPONSE/PROPERTY/SITE/SITE_FEATURE[@_Type='Size
+']/@_Comment
+
+/VALUATION_RESPONSE/PROPERTY/SITE/SITE_FEATURE[@_Type='Den
+sity']/@_Comment
+
+4000
+
+4000
+
+40
+
+30
+
+30
+
+String
+
+String
+
+String
+
+String
+
+String
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+93
+
+1
+
+e-5
+
+PROJECT SITE
+
+View
+
+(Overall Rating)
+
+GSE View Overall
+Rating Type
+
+The overall rating of the view associated
+with the property.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_V
+IEW_OVERALL_RATING_EXTENSION/COMPARISON_VIEW_OVERALL_
+RATING_EXTENSION_SECTION[@ExtensionSectionOrganizationName='UNI
+FORM APPRAISAL
+DATASET']/COMPARISON_VIEW_OVERALL_RATING_EXTENSION_SEC
+TION_DATA/COMPARISON_VIEW_OVERALL_RATING/@GSEViewOveral
+lRatingType

chunks/txt/1a41591b78e635b4b710f2a424a439e5ccbe37fccb7cc1032f3ee6147b013a61.txt

@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/reports/fhlbank-system-at-100"
+date_accessed: "2026-01-27T17:48:03.331Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)

chunks/txt/1a6b1b0ad84ae52b23d6251665bb6f1f9b0fea73c49d3c93a27001b906a67d50.txt

@@ -0,0 +1,149 @@
+Uniform Residential Appraisal Report
+
+Page 2 of 23
+
+NEW PG!
+
+Assignment Information
+
+Assignment Reason
+Borrower Name
+
+Seller Name
+Current Owner of Public Record
+
+Purchase
+Bob Borrower
+Betty Borrower
+Jane Doe
+Jane Doe
+
+Property Valuation Method
+
+Traditional Appraisal
+
+Was a Property Data Report used in lieu of an
+Inspection?
+
+Appraiser Fee
+
+$0
+
+Yes No
+ 
+
+Contact Information
+
+Client/Lender
+
+Company Name
+Company Address
+
+Appraisal Management Company
+
+Company Name
+
+Company Address
+
+Appraiser
+
+Name
+Company Name
+Company Address
+
+Empty Bank
+200 Tree St
+Somewhere, VA 12346
+
+IDK Appraisal Management
+Company
+300 Main Ave
+Somewhere, VA 12345
+
+Agatha Appraiser
+XYZ Appraisals
+123 Main St
+Nowhere, VA 12345
+
+Scope of Inspection by Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date
+
+Physical
+Physical
+09/08/2019
+
+Assignment Information Exhibits
+
+Appraiser’s License
+
+Credentials
+
+ID
+State
+Expires
+
+Credentials
+
+Level
+ID
+State
+Expires
+
+5419-2123.4
+VA
+04/30/2020
+
+Certified Residential
+XYZ12345
+VA
+12/31/2019
+
+Subject Property
+
+Physical Address
+
+County
+Neighborhood Name
+
+14568 Generic Rd
+Out There, VA 56789
+Fabricated
+Neighborhood
+
+Attachment Type
+Units Excluding ADUs
+Accessory Dwelling Units
+Special Tax Assessments
+
+Detached
+1
+1
+No
+
+Planned Unit Development (PUD)
+Condominium
+Cooperative
+Condop
+Property on Native American Lands
+Subject Site Owned in Common
+Homeowner Responsible for all Exterior Maintenance
+of Dwelling(s)
+New Construction
+
+Yes No
+ 
+ 
+ 
+ 
+ 
+ 
+ 
+
+ 
+
+Appraiser Reference ID AA12345Client Reference ID AB12345AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 3 (SF3)

chunks/txt/1a73de47e5afbaa126ad1905aa710757a36864adf51c6008c99c588c15bc62af.txt

@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/regulation/suspended-counterparty-program"
+date_accessed: "2026-01-27T17:47:50.443Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)

chunks/txt/1a76b02cd0aed1e3dd928a2a23b822f5dc2896f8601c7046c810bde8c32a5a8a.txt

@@ -0,0 +1,75 @@
+Neighborhood
+Housing Newest
+Years Count
+
+The age, in years, of the newest
+neighborhood housing specified in
+Neighborhood Housing Type.
+
+Neighborhood
+Housing Oldest
+Years Count
+
+The age, in years, of the oldest
+neighborhood housing specified in
+Neighborhood Housing Type.
+
+Neighborhood
+Housing
+Predominant Age
+Years Count
+
+Neighborhood
+Present Land Use
+Percent
+Neighborhood
+Present Land Use
+Percent
+Neighborhood
+Present Land Use
+Percent
+Neighborhood
+Present Land Use
+Percent
+Neighborhood
+Present Land Use
+Percent
+
+GSE
+Neighborhood
+Boundaries
+Description
+
+The predominate age, in years, of the
+neighborhood housing specified by
+Neighborhood Housing Type.
+
+Used to specify the percentage of land
+used for the category specified by
+Neighborhood Present Land Use Type.
+Used to specify the percentage of land
+used for the category specified by
+Neighborhood Present Land Use Type.
+Used to specify the percentage of land
+used for the category specified by
+Neighborhood Present Land Use Type.
+Used to specify the percentage of land
+used for the category specified by
+Neighborhood Present Land Use Type.
+Used to specify the percentage of land
+used for the category specified by
+Neighborhood Present Land Use Type.
+
+The boundaries of the subject
+neighborhood. These boundries may
+include but are not limited to streets,
+legally recognized neighborhood
+boundaries, waterways, or other natural
+boundaries that define the seperation of
+one neighborhood from another.
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_DemandSuppl
+yType='Shortage']
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_DemandSuppl
+yType='InBalance']

chunks/txt/1a7caa39dc13d8dbd371d82c7dd95ec6c17fb715b76560bd400a9d8576b8f742.txt

@@ -0,0 +1,120 @@
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Figure 114. XML Snippet of Required Parties to the Transaction.
+
+<NAME>
+
+<FirstName>Joe</FirstName>
+ <LastName>Smith</LastName>
+
+</NAME>
+ </INDIVIDUAL>
+ <ROLES>
+ <ROLE>
+
+<LICENSES>
+ <LICENSE>
+
+<LICENSE_DETAIL>
+
+<LicenseIdentifier>123456</LicenseIdentifier>
+
+</LICENSE_DETAIL>
+
+</LICENSE>
+ </LICENSES>
+ <ROLE_DETAIL>
+
+<PartyRoleType>NotePayTo</PartyRoleType>
+
+</ROLE_DETAIL>
+
+</ROLE>
+ </ROLES>
+
+</PARTY>
+
+<!-- Organization for NotePayTo -->
+
+<PARTY>
+
+<LEGAL_ENTITY>
+
+<LEGAL_ENTITY_DETAIL>
+
+<FullName>Ficus Bank</FullName>
+
+</LEGAL_ENTITY_DETAIL>
+
+</LEGAL_ENTITY>
+ <ADDRESSES>
+ <ADDRESS>
+
+<AddressLineText>4321 Random Blvd.</AddressLineText>
+ <AddressType>Mailing</AddressType>
+ <AddressUnitIdentifier>Ste. 560</AddressUnitIdentifier>
+ <CityName>Somecity</CityName>
+ <PostalCode>12345</PostalCode>
+ <StateCode>ST</StateCode>
+
+</ADDRESS>
+ </ADDRESSES>
+ <ROLES>
+ <ROLE>
+
+<LICENSES>
+ <LICENSE>
+
+<LICENSE_DETAIL>
+
+<LicenseIdentifier>111111</LicenseIdentifier>
+
+</LICENSE_DETAIL>
+
+</LICENSE>
+
+UCD v2.0 Implementation Guide
+
+- 138 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Figure 114. XML Snippet of Required Parties to the Transaction.
+
+</LICENSES>
+ <ROLE_DETAIL>
+
+<PartyRoleType>NotePayTo</PartyRoleType>
+
+</ROLE_DETAIL>
+
+</ROLE>
+ </ROLES>
+
+</PARTY>
+
+<!-- Individual contact for ClosingAgent -->
+
+<PARTY>
+
+<INDIVIDUAL>
+
+<CONTACT_POINTS>
+ <CONTACT_POINT>
+
+<CONTACT_POINT_EMAIL>
+
+<ContactPointEmailValue>sarah@epsilontitle.com</ContactPointEmailValue>
+
+</CONTACT_POINT_EMAIL>
+
+</CONTACT_POINT>
+ <CONTACT_POINT>
+
+<CONTACT_POINT_TELEPHONE>

chunks/txt/1a862aee0689a4ff9d238b59392776637a663ea1e0545bd212f8601a6ca847c2.txt

@@ -0,0 +1,6 @@
+enterprise: 1 | record_num_mf_ctf: 10000001 | state_fips: 06 | cbsa_metro_code: 41740 | county_fips: 073 | tract_2020: 015706 | tract_minority_pct: 51.96 | tract_income_med: 34307 | ami_local: 111734 | tract_income_ratio: 0.3070 | ami_hud: 119500 | upb_acq: 27735000 | purpose_ctf: 7 | seller_type_mf_ctf: 1 | fed_guarantee_ctf: 1 | lien_status: 1 | ltv: 53.80 | same_year_acq: 1 | term_orig: 60 | units_num_cat: 5 | rate_orig: 5.830 | upb_orig: 27735000 | property_value: 51565000 | term_prepay_penalty: 57 | balloon: 1 | io: 1 | neg_am: 9 | non_amort_other: 9 | afford_units_pct: 60 | construct_method: 1 | tract_rural: 0 | county_lower_ms_delta: 0 | county_mid_appalachia: 0 | county_persistent_poverty: 0 | area_concentrated_poverty: 1 | area_high_opp: 0 | tract_colonias: 0
+enterprise: 1 | record_num_mf_ctf: 10000002 | state_fips: 36 | cbsa_metro_code: 10580 | county_fips: 093 | tract_2020: 033500 | tract_minority_pct: 26.48 | tract_income_med: 97679 | ami_local: 109385 | tract_income_ratio: 0.8930 | ami_hud: 117800 | upb_acq: 645000 | purpose_ctf: 7 | seller_type_mf_ctf: 1 | fed_guarantee_ctf: 1 | lien_status: 1 | ltv: 70.40 | same_year_acq: 1 | term_orig: 120 | units_num_cat: 1 | rate_orig: 5.700 | upb_orig: 6905000 | property_value: 925000 | term_prepay_penalty: 117 | balloon: 1 | io: 1 | neg_am: 9 | non_amort_other: 9 | afford_units_pct: 0 | construct_method: 1 | tract_rural: 0 | county_lower_ms_delta: 0 | county_mid_appalachia: 0 | county_persistent_poverty: 0 | area_concentrated_poverty: 0 | area_high_opp: 0 | tract_colonias: 0
+enterprise: 1 | record_num_mf_ctf: 10000003 | state_fips: 28 | cbsa_metro_code: 99999 | county_fips: 087 | tract_2020: 000600 | tract_minority_pct: 81.47 | tract_income_med: 20208 | ami_local: 75009 | tract_income_ratio: 0.2694 | ami_hud: 79600 | upb_acq: 2415000 | purpose_ctf: 1 | seller_type_mf_ctf: 5 | fed_guarantee_ctf: 1 | lien_status: 1 | ltv: 80.00 | same_year_acq: 1 | term_orig: 60 | units_num_cat: 3 | rate_orig: 6.140 | upb_orig: 2415000 | property_value: 3015000 | term_prepay_penalty: 57 | balloon: 1 | io: 9 | neg_am: 9 | non_amort_other: 9 | afford_units_pct: 100 | construct_method: 1 | tract_rural: 1 | county_lower_ms_delta: 0 | county_mid_appalachia: 0 | county_persistent_poverty: 1 | area_concentrated_poverty: 1 | area_high_opp: 0 | tract_colonias: 0
+enterprise: 1 | record_num_mf_ctf: 10000004 | state_fips: 18 | cbsa_metro_code: 23060 | county_fips: 003 | tract_2020: 011608 | tract_minority_pct: 26.14 | tract_income_med: 122100 | ami_local: 83564 | tract_income_ratio: 1.4612 | ami_hud: 88000 | upb_acq: 1995000 | purpose_ctf: 9 | seller_type_mf_ctf: 1 | fed_guarantee_ctf: 1 | lien_status: 2 | ltv: 66.70 | same_year_acq: 1 | term_orig: 65 | units_num_cat: 3 | rate_orig: 7.780 | upb_orig: 1995000 | property_value: 20355000 | term_prepay_penalty: 62 | balloon: 1 | io: 9 | neg_am: 9 | non_amort_other: 9 | afford_units_pct: 0 | construct_method: 1 | tract_rural: 0 | county_lower_ms_delta: 0 | county_mid_appalachia: 0 | county_persistent_poverty: 0 | area_concentrated_poverty: 0 | area_high_opp: 0 | tract_colonias: 0
+enterprise: 1 | record_num_mf_ctf: 10000005 | state_fips: 13 | cbsa_metro_code: 99999 | county_fips: 137 | tract_2020: 000604 | tract_minority_pct: 61.39 | tract_income_med: 46755 | ami_local: 74176 | tract_income_ratio: 0.6303 | ami_hud: 78800 | upb_acq: 4195000 | purpose_ctf: 1 | seller_type_mf_ctf: 1 | fed_guarantee_ctf: 1 | lien_status: 1 | ltv: 78.00 | same_year_acq: 1 | term_orig: 84 | units_num_cat: 2 | rate_orig: 6.190 | upb_orig: 4195000 | property_value: 5375000 | term_prepay_penalty: 81 | balloon: 1 | io: 1 | neg_am: 9 | non_amort_other: 9 | afford_units_pct: 0 | construct_method: 1 | tract_rural: 1 | county_lower_ms_delta: 0 | county_mid_appalachia: 0 | county_persistent_poverty: 0 | area_concentrated_poverty: 0 | area_high_opp: 0 | tract_colonias: 0
+enterprise: 1 | record_num_mf_ctf: 10000006 | state_fips: 51 | cbsa_metro_code: 40060 | county_fips: 087 | tract_2020: 2001

chunks/txt/1a9107a38016394ce4d019473ce9255a628dd1eb6b73198cd0af2aafec853b5d.txt

@@ -0,0 +1,127 @@
+Heating/Cooling
+
+Sale Price
+Adjustment
+Description
+
+A free form text field used to further
+describe the property feature which is
+identified by Sales Price Adjustment
+Type. (i.e. Location, Condition, etc.)
+
+Heating/Cooling
+Adjustment
+
+Sale Price
+Adjustment Amount
+
+The dollar amount of the adjustment
+applied to the sale price for the
+property feature identified by Sale
+Price Adjustment Type.
+
+Energy Efficient Items
+
+Sale Price
+Adjustment
+Description
+
+A free form text field used to further
+describe the property feature which is
+identified by Sales Price Adjustment
+Type. (i.e. Location, Condition, etc.)
+
+Energy Efficient Items
+Adjustment
+
+Sale Price
+Adjustment Amount
+
+The dollar amount of the adjustment
+applied to the sale price for the
+property feature identified by Sale
+Price Adjustment Type.
+
+A free form text field used to further
+describe the property feature which is
+identified by Sales Price Adjustment
+Type. (i.e. Location, Condition, etc.)
+
+351
+
+2
+
+91
+
+SALES
+COMPARISON
+APPROACH
+
+Garage/Carport
+
+Sale Price
+Adjustment
+Description
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/COMPARISON_DETAIL_EXTENSION/CO
+MPARISON_DETAIL_EXTENSION_SECTIO
+N[@ExtensionSectionOrganizationName='UNIF
+ORM APPRAISAL
+DATASET']/COMPARISON_DETAIL_EXTE
+NSION_SECTION_DATA/COMPARISON_D
+ETAIL/@GSEBelowGradeBathroomRoomCoun
+t
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/COMPARISON_DETAIL_EXTENSION/CO
+MPARISON_DETAIL_EXTENSION_SECTIO
+N[@ExtensionSectionOrganizationName='UNIF
+ORM APPRAISAL
+DATASET']/COMPARISON_DETAIL_EXTE
+NSION_SECTION_DATA/COMPARISON_D
+ETAIL/@GSEBelowGradeOtherRoomCount
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/SALE_PRICE_ADJUSTMENT[@_Type='Bas
+ementFinish']/@_Amount
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/SALE_PRICE_ADJUSTMENT[@_Type='Fun
+ctionalUtility']/@_Description
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/SALE_PRICE_ADJUSTMENT[@_Type='Fun
+ctionalUtility']/@_Amount
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/SALE_PRICE_ADJUSTMENT[@_Type='Hea
+tingCooling']/@_Description
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/SALE_PRICE_ADJUSTMENT[@_Type='Hea
+tingCooling']/@_Amount
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/SALE_PRICE_ADJUSTMENT[@_Type='Ene
+rgyEfficient']/@_Description
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/SALE_PRICE_ADJUSTMENT[@_Type='Ene
+rgyEfficient']/@_Amount
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/SALE_PRICE_ADJUSTMENT[@_Type='Car
+Storage']/@_Description

chunks/txt/1abbacf9de9bb573da40b90863f66ee84e96d8c056ce7cb960bbbe078d963a81.txt

@@ -0,0 +1,17 @@
+This zip file contains example scenarios, accompanying XMLs, and a document that summarizes the scenarios, including key characteristics and changes since the last published version.](/docs/zip/requirements/appendix-d-1-urar-sample-scenarios-and-xml-files.zip)
+
+[### Appendix E: Report Style Guide
+
+This zip file contains the Report Style Guide and its supplements. The Report Style Guide describes the design and layout of the reports. It includes specifications for the sizes and positioning of all elements that could appear in the reports. The supplements are sample reports with design elements noted.](/docs/zip/requirements/appendix-e-report-style-guide.zip)
+
+[### Appendix F-1: URAR Reference Guide
+
+This zip file contains the URAR Reference Guide and its supplement. The Reference Guide provides guidance on how to enter information and how the data will be displayed in the URAR. The supplement summarizes information about the comparable grids.](/docs/zip/requirements/appendix-f-1-urar-reference-guide.zip)
+
+[### Appendix G-1: Redesign to Legacy UAD Cross-reference Guide
+
+This document contains the data points, enumerations and xPaths of the redesigned UAD mapped to existing data elements in the Legacy UAD dataset.](/docs/xls/requirements/appendix-g-1-redesign-to-legacy-uad-cross-reference-guide.xlsx)
+
+[### Appendix H-1: UAD Compliance Rules - URAR
+
+This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Delivery Specification. These rules verify data completeness, validity (format and data type), and reasonableness.](/docs/xlsx/appendix-h-1-uad-compliance-rules-urar.xlsx)

chunks/txt/1ac00c07ebf59d98da7bf2e625558fd5b20a089790ae70272da2b054680d8d3b.txt

@@ -0,0 +1,116 @@
+Assigned (parking spaces are assigned but not owned and deeded to a
+specific unit)
+Owned (parking spaces are owned and deeded to a specific unit)
+Unassigned (parking spaces are designated to project occupants on a first-
+come, first-served basis)
+
+•
+•
+
+Choose an
+allowable answer
+from table
+(Vehicle Storage
+Attachment Type)
+
+Vehicle Storage Attachment Type: The way in which the indicated vehicle
+storage is attached to the dwelling.
+•
+•
+•
+
+Attached
+Built-in (including below grade garages)
+Detached
+
+Appendix F-1: URAR Reference Guide
+
+Page 162 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+13 Vehicle Storage
+
+Vehicle Storage – Information for each Vehicle Storage Type
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+13.003 Detail
+
+13.003 Detail
+
+Required if Vehicle
+Storage Type is
+Carport or Garage
+
+Required if Vehicle
+Storage Type is
+Driveway or Shared
+Driveway
+
+Allowable
+Answers / Format
+
+Number of square
+feet
+
+Definition / Additional Guidance
+
+Vehicle Storage Area
+Notes:
+•
+•
+
+Half spaces are accounted for here.
+For detached garages that include other uses (ADUs or additional areas),
+only report area that is specific to the vehicle storage.
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+Driveway Surface Material: The predominant driveway surface material.
+•
+•
+•
+•
+•
+•
+•
+
+Asphalt
+Brick
+Concrete
+Cobblestone
+Dirt
+Gravel
+Other (Describe)
+
+Allowable Answer
+
+Attached
+
+Vehicle Storage Attachment Type
+
+Definition / Additional Guidance
+
+Built-in
+
+Detached
+
+Apparent Defects, Damages, Deficiencies (Vehicle Storage)
+
+The appraiser must report any significant items pertaining to vehicle storage, and must associate any defect,
+damage, or deficiency with the most appropriate section. These defects, damages, and deficiencies are items
+that:
+• Rise to the level of recommending repair, replacement, or inspection by an individual with expertise in the

chunks/txt/1acb85731931098fe728266b69d4ae62afce85cf42134b65a53b85cd87113929.txt

@@ -0,0 +1,62 @@
+Report Field ID
+
+The red number identifying the specific location of the field on the URAR.
+
+Appendix F-1: URAR Reference Guide
+
+Page 346 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Appendix 1: Glossary
+
+Term
+
+Report Label
+
+Structure
+
+The name of the field as shown on the URAR.
+
+Definition
+
+A building with a foundation, walls, and a roof, designed to protect from the weather, which can be a dwelling or an
+outbuilding.
+
+Three-Dimensional Scan
+
+A technology used to photograph and measure the area of a unit.
+
+Three-Dimensional Technology
+(3D Technology)
+
+Uniform Residential Appraisal
+Report (URAR)
+
+Uniform Standards of
+Professional Appraisal
+Practice (USPAP)
+
+Wear and Tear
+
+A process that uses three-dimensional printing technologies as a core method in the fabrication of a structure.
+
+A dynamic appraisal report that addresses all residential 1- to 4-unit property types.
+
+The generally recognized ethical and performance standards for the appraisal profession in the United States. USPAP
+was adopted by Congress in 1989, and contains standards for all types of appraisal services, including real estate,
+personal property, business and mass appraisal. Compliance is required for state-licensed and state-certified
+appraisers involved in federally related real estate transactions.
+
+Deterioration or reduction in condition that results from ordinary use, exposure to natural elements over an extended
+period of time, or aging (e.g., worn carpet, scratches or scuffs on floors or walls, fading paint or finishes).
+
+Appendix F-1: URAR Reference Guide
+
+Page 347 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset

chunks/txt/1ad4926539033522b35cfeb79b2f9e17e24713036726e4a0e747e485174a10e9.txt

@@ -0,0 +1,68 @@
+Collateral Underwriter® Version 5.4 Release Notes
+
+On June 24, 2022, Fannie Mae will implement Collateral Underwriter® (CU®) Version 5.4. During the updates, CU will be
+unavailable from 9 p.m. ET on Friday, June 24 until 1 a.m. ET on Saturday, June 25.
+
+April 20, 2022
+
+The following changes will be included in the release.
+
+CU Message Enhancements
+
+Undervaluation messages – A new undervaluation risk flag along with 16 new undervaluation risk reason codes will be
+introduced to complement the existing overvaluation risk flag and reason codes. Similar to the function of the overvaluation risk
+message suite, when an undervaluation risk flag is displayed in CU, the single most relevant reason code will be displayed. These
+messages will also be disseminated to downstream systems including Desktop Underwriter and will display in the Uniform
+Collateral Data Portal Submission Summary Report.
+
+Misvaluation Flags and Messages
+
+Overvaluation
+Risk Message
+ID
+
+Risk Flag
+
+1004
+
+Reason Codes
+
+1011
+
+1025
+
+Overvaluation Risk Message Text
+
+New
+Undervaluation
+Risk Message
+ID
+
+New Undervaluation Risk Message Text
+
+There is a heightened risk of
+overvaluation.
+
+1010
+
+There is a heightened risk of undervaluation.
+
+CU indicates that the heightened
+overvaluation risk may be the
+result of the appraiser's weighting
+of the adjusted sale prices of the
+comparables. Ensure that the
+appraiser appropriately weighted
+the adjusted sale prices of the
+comparables.
+
+CU has identified comparable
+sales that may be more similar in
+features & geographical location
+than those relied on by the
+appraiser. Ensure that the
+appraiser has relied on
+comparables with similar
+property features & geographical
+location. See the CU Comparables
+tab for details.

chunks/txt/1adb9149958fe2831872e45b08dc458591fd563ffc17de7de7a67759a71b2d33.txt

@@ -0,0 +1,42 @@
+The table below provides the requirements when appraising unique properties.
+
+If…
+
+Then…
+
+the appraiser cannot locate recent comparable sales of the
+same design that appeal to the same market participants, but
+can determine market supported adjustments for the
+differences between the comparables and the subject
+property, and demonstrate the marketability of the property
+based on older comparable sales, comparable sales in
+competing market areas, the existence of similar properties in
+the market area, and any other reliable market data,
+
+the appraiser is not able to find any evidence of market
+acceptance, and the characteristics of the property are so
+significantly different that they cannot establish a reliable
+opinion of market value,
+
+the property is acceptable as security in a sale of the loan to
+Fannie Mae.
+
+the property is not acceptable as security in a sale of the loan
+to Fannie Mae.
+
+Fannie Mae does not specify minimum square footage or finished area requirements for properties with the exception of
+manufactured housing (see SB4-1.4-01, Factory-Built Housing: Manufactured Housing). There should be comparables of similar
+size to the subject property to support the general acceptability of a particular property type.
+
+Actual and Effective Ages
+
+Fannie Mae does not place a restriction on the actual age of the dwelling. Older dwellings that meet Fannie Mae’s general
+requirements are acceptable. Improvements for all properties must be of the quality and condition that will be acceptable to
+typical purchasers in the subject market area.
+
+The relationship between the actual and effective ages of the property is a good indication of its condition. A property that has
+been well-maintained generally will have an effective age somewhat lower than its actual age. On the other hand, a property that
+has an effective age higher than its actual age probably has not been well-maintained or may have a particular physical problem.
+In such cases, the lender should pay particular attention to the condition of the subject property in its review of any appraisal
+report. When the appraiser makes market supported adjustments for the “Year Built,” they must explain the adjustments that
+were made.

chunks/txt/1ae096dec20b58ec83ad1c7c03678963bbc7019f21409b37b35affc8c83fabe0.txt

@@ -0,0 +1,90 @@
+None
+
+Vehicle Storage Commentary
+
+Additional commentary can be added here, if needed by Appraiser.
+
+Subject Property Amenities
+
+Amenity Category
+Outdoor Living
+
+Subject Property Amenity
+Balcony
+
+Material
+Concrete
+
+Detail
+120 Sq. Ft.
+
+Apparent Defects, Damages, Deficiencies (Subject Property Amenities)
+
+None
+
+Subject Property Amenities Commentary
+
+Additional commentary can be added here, if needed by Appraiser.
+
+Appraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 8 of 18
+Page 8 of 18
+
+Subject Property Amenities (continued)
+
+Subject Property Amenities Exhibits
+
+Balcony
+
+Overall Quality and Condition
+
+Overall Quality
+Interior Quality
+
+Q3
+Q3
+
+Overall Condition
+Interior Condition
+
+C3
+C3
+
+Reconciliation of Overall Quality and Condition
+
+The subject unit has received recent, extensive updating throughout, which translates to Q3 and C3.
+
+Highest and Best Use
+
+Is the present use of the subject property …
+
+Legally Permissible
+Physically Possible
+
+Yes
+Yes
+
+Financially Feasible
+Maximally Productive
+
+Yes
+Yes
+
+Yes No
+Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  
+
+Highest and Best Use Commentary
+
+Additional commentary can be added here, if needed by Appraiser.
+
+Market
+
+Market Area Boundary Hall Street NW to the North; Bunker Hill Drive NW to the South; Potomac River to the West; Grant St. NW to the East
+
+Search Criteria Description The search criteria that the appraiser used to limit their search included a structure design focused on High Rises
+and an Ownership structure of Cooperative. Additional limiting factors included between 1 and 2 Full Bathrooms, 1-2 Bedrooms, a Finished
+Area Above Grade between 1000 and 1400 Sq. Ft., 1-2 Parking Spaces. Additionally, the building would ideally be constructed between 1960
+and 1975, with a closing date between 08/28/2018 and 08/28/2019.

chunks/txt/1ae26f2424894356ee0f393db29d3c8d024c11ae554c9bd472c1dbc07a0076b7.txt

@@ -0,0 +1,5 @@
+Freddie Mac Form 70 March 2005 226
+
+Page 6 of 6
+
+Fannie Mae Form 1004 March 2005

chunks/txt/1aef2aa56a7104019c2d46feeed7e32ce45b4864adb7fd9a09f09b72cca3a05c.txt

@@ -0,0 +1,55 @@
+Appraisal [1,2,3] – Appraisal Report (URAR)
+
+Document Level Results
+
+Update or Completion Report
+
+Document Level Results
+
+Update or Completion Report
+
+Document Level Results
+
+Document Level Results - URAR
+
+Fannie Mae
+
+© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.
+
+This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal
+Housing Finance Agency.
+
+Document Level Results - URAR
+
+Freddie Mac
+
+Risk Scores and Representation and Warranty Eligibility
+
+The Document Level Results include critical data elements that enhance transparency and support decision-making. This
+includes:
+
+• Fannie Mae Collateral Underwriter CU Risk Score and Rep & Warrant relief eligibility for URAR submissions to
+
+Fannie Mae.
+
+• Freddie Mac Loan Collateral Advisor LCA Risk Score and Collateral Rep & Warranty relief indicator for URAR
+
+submissions to Freddie Mac.
+
+As with any part of the loan evaluation process, these indicators provide an early view from a collateral viewpoint and are
+pending an assessment of the loan.
+
+© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.
+
+This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal
+Housing Finance Agency.
+
+Collateral Underwriter (CU) Risk Score and Rep & Warrant relief eligibility in URAR
+
+Fannie Mae
+
+Loan Collateral Advisor (LCA) Risk Score and Collateral Rep & Warranty relief indicator in URAR
+
+Freddie Mac
+
+© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.

chunks/txt/1af3d617f44af9dd9bde7cb68ba2d16ca8c3cc7c4bf32d671284469a6129a4d8.txt

@@ -0,0 +1,35 @@
+[Mortgage Translations](/mortgage-translations)
+
+- [About Mortgage Translations](/mortgage-translations)
+ - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)
+ - [COVID-19 Resources](/mortgage-translations/covid-19-resources)
+ - [Interpretive Services](/mortgage-translations/interpretive-services)
+ - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)
+ - [Search Documents](/mortgage-translations/search)
+ - News Public Affairs
+
+- [News Releases](/news/news-release)
+ - [Statements](/news/statement)
+ - [Speeches](/news/speech)
+ - [Testimonies](/news/testimony)
+ - [Public Input](/public-input)
+ - [Blogs](/blog)
+ - [Fact Sheets](/news/fact-sheet)
+ - [FAQs](/faqs)
+ - [Partner Agency Engagements](/news/partner-agency-engagements)
+ - [Public Engagements](/news/public-engagements)
+ - [Videos](/media)
+
+Social Media
+
+- [Facebook](https://www.facebook.com/FHFA)
+ - [LinkedIn](https://www.linkedin.com/company/354523)
+ - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [X (formerly Twitter)](https://twitter.com/FHFA)
+ .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu
+
+# Federal Home Loan Bank System
+
+FHFA is responsible for ensuring that the Federal Home Loan Banks operate in a financially safe and sound fashion, remain adequately capitalized and able to raise funds in the capital markets, and operate in a manner consistent with their housing finance mission.
+
+To carry out these statutory duties, FHFA has implemented a program of FHLBank supervision to conduct on-site annual examinations and off-site monitoring of the FHLBanks and the Office of Finance.

chunks/txt/1b102a6f8a6805ebf8d27abfe72cf979770263920cc5344deb0de43658997680.txt

@@ -0,0 +1,23 @@
+## Introduction: Fintech in Housing Finance and FHFA
+
+FHFA’s Office of Financial Technology (Fintech) supports the Agency’s efforts to understand technology-driven developments in housing finance and the associated risks, and to facilitate the development of responsible innovation in FHFA’s regulated entities, which include Fannie Mae and Freddie Mac (the Enterprises) and the Federal Home Loan Bank System. The Fintech Office serves as a centralized information clearinghouse and resource for the Agency on mortgage-related innovations, general trends, and emerging risks in the use of fintech.
+
+FHFA views fintech as the application of new technologies to the production or provision of financial products and services. Fintech in the mortgage finance space can include, among other things, the application of new technologies and digital processes to:
+
+> **​mortgage tec​h**​​
+
+mortgage origination, underwriting, servicing, investment, and other associated business activities, also known as “mortgage tech”;
+
+---
+
+**proptech**
+
+researching, transacting, and managing real estate, also known as “proptech”; and
+
+---
+
+**regtech**
+
+​regulation and compliance, also known as “regtech”.
+
+The Fintech Office engages internally through the FHFA Fintech Working Group, consisting of Agency leadership and experts across divisions and offices. The Fintech Office engages in external outreach with market participants, including industry firms, non-profits, trade associations, consumer advocacy organizations and academia to support responsible innovation in mortgage finance and an ongoing dialogue on opportunities and barriers to innovation in the mortgage ecosystem.

chunks/txt/1b10543f07533ff914417ecc751a62837a2bca3a50dfb3416b69d8424aa9f940.txt

@@ -0,0 +1,65 @@
+This is where the Porch photo would display.
+
+Overall Quality and Condition
+
+Overall Quality
+
+Exterior Quality
+Interior Quality
+
+Q3
+Q3
+Q3
+
+Overall Condition
+
+Exterior Condition
+Interior Condition
+
+C1
+C1
+C1
+
+Reconciliation of Overall Quality and Condition
+
+The subject is new construction that is less than 12 months old, never lived in, and meets the C1 rating definition. The subject was built with
+materials that align with a Q3 rating. Though the subject is not custom it was built with materials to withstand the elements and have lower
+overall maintenance.
+
+Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 11 of 24
+Page 11 of 24
+
+Highest and Best Use
+
+Is the present use of the subject property …
+
+Legally Permissible
+Physically Possible
+
+Yes
+Yes
+
+Financially Feasible
+Maximally Productive
+
+Yes
+Yes
+
+Yes No
+Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  
+
+Highest and Best Use Commentary
+
+The subject is a legally permissible use based on its current zoning. Also, the lot size, shape, and land-to-building ratio allow the present
+structure and indicate a good utilization of the improvements.
+
+Market
+
+Market Area Boundary Pioneer Drive to the North, Bailey Road to the East, Military Road to the South, Radio Drive to the West.
+
+Search Criteria Description Search limited to site condominium housing with a footprint between 1,300-1,800 Sq. Ft. Additional limiting
+factors include 2-4 bedrooms, 2-4 bathrooms, and a basement.

chunks/txt/1b177fa76da522160780f4dc90190ab856e29f95094f0923ee09aadadf705bfe.txt

@@ -0,0 +1,118 @@
+The items listed below represent the As Is condition as of the effective date of
+this report
+
+Appendix F-1: URAR Reference Guide
+
+Page 113 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+08 Dwelling Exterior
+
+Information About Each Defect, Damage, or Deficiency
+
+Apparent Defects, Damages, Deficiencies (Dwelling Exterior)
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+8.056
+
+Feature
+
+Required for each
+defect, damage, or
+deficiency
+
+8.057
+
+Location
+
+8.058
+
+Description
+
+8.059
+
+Affects
+Soundness or
+Structural
+Integrity
+
+8.060
+
+Recommended
+Action
+
+Required for each
+defect, damage, or
+deficiency
+
+Required for each
+defect, damage, or
+deficiency
+
+Required for each
+defect, damage, or
+deficiency
+
+Required for each
+defect, damage, or
+deficiency
+
+Dwelling Exterior Commentary
+
+Allowable
+Answers / Format
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+Definition / Additional Guidance
+
+•
+Exterior Walls and Trim
+•
+Foundation
+• Mechanical System
+•
+Roof
+• Windows
+•
+Note: Photos or images must be provided for each physical defect, damage, or
+deficiency. These display in Dwelling Exterior Exhibits as “Apparent Defects,
+Damages, Deficiencies” with the indicated Feature. An additional caption may
+be provided.
+
+Other (Describe)
+
+Other (Describe)
+
+For the Dwelling Exterior section, choose Other and briefly describe the
+location of the defect, damage, or deficiency.
+
+Free-form
+
+Description of the defect, damage, or deficiency.
+
+Yes | No
+
+Indicates whether the defect, damage, or deficiency affects the soundness and
+/ or structural integrity of the improvement.
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column

chunks/txt/1b2506f73d9489594ec897b03489e1eac65c5a51bb1c5b3f330c0b6b162086ab.txt

@@ -0,0 +1,42 @@
+PDF Display Format:
+Whole dollars only.
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+
+PDF Display Format:
+Whole dollars only.
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+Specify Above Grade Rooms Only
+
+PDF Display Format:
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+Specify Above Grade Bedrooms Only
+
+PDF Display Format:
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+Specify Above Grade Bathroom Only
+
+PDF Display Format:
+Full Bath Count.Half Bath Count
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+
+The sum of this field 2-71 and fields (2-53, 2-
+55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2-
+73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-88, 2-
+90, 2-92, 2-94, 2-96, 2-98, 2-100) must add up
+to Net Adjustment field 2-103.
+
+The sum of this field 2-73 and fields (2-53, 2-
+55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2-
+71, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-88, 2-
+90, 2-92, 2-94, 2-96, 2-98, 2-100) must add up
+to Net Adjustment field 2-103.
+The sum of this field 2-74 and fields (2-53, 2-
+55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2-
+71, 2-73, 2-78, 2-80, 2-82, 2-84, 2-86, 2-88, 2-
+90, 2-92, 2-94, 2-96, 2-98, 2-100) must add up
+to Net Adjustment field 2-103.

chunks/txt/1b336f060d791a5986b107649f131b123a4d44e2f5ab6189093e1848bd2ae9af.txt

@@ -0,0 +1,98 @@
+Site
+•
+
+Range of View
+4.040
+
+Yes
+22.03.47
+
+•
+•
+•
+•
+
+Full
+Partial
+Seasonal
+Other (Describe)
+
+Appendix F-1: URAR Reference Guide
+
+Page 233 of 375
+
+Version 1.3
+
+Any adjustments for View and / or Range of View are made in this row.
+Additional context specific to the adjustment may be provided in
+Reconciliation of Sales Comparison Approach (22.16.01).
+
+Uniform Appraisal Dataset
+
+22 Sales Comparison Approach
+
+Report
+Field ID
+
+22.03.17
+22.03.48
+
+Report Label
+
+Additional
+data element
+displays as the
+Report Label
+22.03.16
+
+When Row
+Displays
+
+When to Include for
+each Comparable
+
+Allowable
+Answers / Format
+
+Origin of Subject
+Property Information
+
+Adjustable
+Row
+
+Definition / Additional Guidance
+
+Sales Comparison Approach: Site
+
+If relevant
+
+Required when the
+row is included in the
+sales comparison grid
+
+Free-form
+
+Additional Row does not
+populate from other
+sections; the appraiser
+must enter information
+for the subject property
+
+Yes
+22.03.49
+
+Additional Row
+This row displays on the sales comparison grid when an additional data
+element relevant to the Site subsection is needed that is not predefined.
+
+Note: Only put one data element in each row and add additional rows as
+needed for other data elements.
+
+Water Frontage with Private Access
+
+The Water Frontage with Private Access subsection displays when the subject or any comparable has private access rights to at least one body of
+water. Private access is intended to mean that the access is either owned by the property or exclusively granted to the property through easement
+or right.
+
+The appraiser must indicate whether each comparable has private access to each Body of Water Type that was indicated in the Site Influences row
+for the comparable.

chunks/txt/1b38bde9854bae036813320af4ceee6f9882b106d6d4c4d09fa25a4f9da65997.txt

@@ -0,0 +1,112 @@
+Report
+Field ID
+
+17.011
+
+17.012
+
+Report Label
+
+Unique ID MISMO Data Point Name
+
+Display Rules
+
+Display when MarketInventoryType (UID: 3000.0030, FID: Not on report) =
+"TotalSales" AND…
+
+Sales in Past ___
+Months
+
+Sales in Past ___
+Months
+
+3000.0009 MarketInventoryLookbackMonthsCount
+
+Always displays
+
+3000.0026 MarketInventoryCount
+
+Always displays
+−
+
+Can be delivered as 0 when SalesComparisonApproachIndicator = “false”
+
+17.013
+
+Lowest Sale Price
+
+3000.0028 MarketInventoryLowestPriceAmount
+
+…AND MarketInventoryCount > 0
+
+17.014
+
+Median Sale Price
+
+3000.0029 MarketInventoryMedianPriceAmount
+
+…AND MarketInventoryCount > 0
+
+17.015
+
+Highest Sale Price
+
+3000.0027 MarketInventoryHighestPriceAmount
+
+… AND MarketInventoryCount > 0
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Figure 17 - 4
+
+Page 238
+
+▪ When Market Inventory Count is zero, the report labels Lowest Sale Price, Median Sales Price, and Highest Sale Price do not display.
+
+(Figure 17 - 5)
+
+Figure 17 - 5
+
+Distressed Market Competition, Graphs, and Price Trend Information
+
+Report
+Field ID
+
+17.016
+
+Report Label
+
+Unique ID MISMO Data Point Name
+
+Display Rules
+
+Distressed Market
+Competition
+
+3000.0034 MarketTrendsForeclosureActivityIndicator Always displays
+
+17.017
+
+Graph
+
+1400.0638
+
+ImageCategoryType
+
+17.018
+
+Price Trend Source
+
+3000.0051
+
+DataSourceName
+
+Display if exists (Display a value once, even when a value is provided multiple
+times)
+
+(the display text for each type is listed in the Market Exhibits subsection)
+
+Always displays
+
+− When multiple sources are provided, display as stacked.
+− An arcrole must be provided to link each DATA_SOURCE to MARKET_TREND

chunks/txt/1b3cceb435397a84eeb1f4b2a4eb2516d03ac0c1f51754e0e8c10e4aa4f1fc0d.txt

@@ -0,0 +1,67 @@
+2023-039 Updated requirements for Floor Number (10.018).
+
+10 Unit Interior
+
+2023-069 Clarified that commercial space in project buildings is addressed in Project Information.
+
+2023-063 Added example for Non-Residential Use and Live/Work Space in Unit (10.026-10.028)
+
+2023-037
+
+Clarified that the rooms in the Kitchen and Bathroom Detail table (10.037) redisplay from the Level and Room Detail
+table.
+
+2023-016 Corrected the ‘When to Include’ column for Time Frame (10.039).
+
+12 Outbuilding
+
+2023-037
+
+Updated introduction to use the term “structure” instead of “improvement”, and corrected introduction to Mechanical
+System Details For Outbuilding Containing ADU(s).
+
+Appendix F-1: URAR Reference Guide
+
+Page 5 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Revision History
+
+Reference Guide
+Chapter
+
+Change #
+
+Version 1.1 (Published December 12, 2023)
+
+Revision Description
+
+12 Outbuilding
+(Continued)
+
+2023-017
+2023-059
+
+Outbuilding Type: Removed Detached Garage, added ADU/Garage, updated definition for Barn and Standalone ADU, and
+expanded guidance for when Other is used. (12.001).
+
+2023-012
+
+Included static text above the table in the Apparent Defects, Damages, Deficiencies example.
+
+2023-063 Added example of a manufactured home that is not real property.
+
+2023-017 Updated introduction to clarify treatment of detached garages.
+
+13 Vehicle Storage
+
+2023-037 Corrected typo in allowable answers for Parking Space Assignment Type (13.002).
+
+2023-047 Added images to clarify definitions for Vehicle Storage Attachment Type (13.003). Removed Other as an allowable answer.
+
+14 Subject
+Property
+Amenities

chunks/txt/1b3fe19515a53619742b7d960095f303811e6f35e342d14dd9d050cc42cc66f2.txt

@@ -0,0 +1,172 @@
+Note: To easily find data points in the UAD Specification, search for “Appraiser” under the “Additional
+
+Context” column.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 95
+
+Report
+Field ID
+
+Report Label
+
+Unique ID
+
+MISMO Data Point Name
+
+Display Rules
+
+Assignment Information: Contact Information – Appraiser
+
+2400.0041
+
+FirstName
+
+Always displays
+
+2400.0043
+
+MiddleName
+
+Display when provided
+
+2.017
+
+Name
+
+2400.0042
+
+LastName
+
+2400.0044
+
+SuffixName
+
+2.018
+
+Designation
+
+2400.0049
+
+AppraiserDesignationType
+
+2.019
+
+Company Name
+
+2400.0047
+
+AppraiserCompanyName
+
+2.020
+
+Company Address
+
+2400.0033
+
+AddressLineText
+
+2400.0034
+
+CityName
+
+2400.0036
+
+StateCode
+
+2400.0035
+
+PostalCode
+
+Scope of Inspection by Appraiser
+
+Subject Property Inspection
+
+Always displays
+
+Display when provided
+
+Display when provided
+
+If there are multiple designations, display separated with a comma
+
+Always displays
+
+Always displays
+
+Always displays
+
+Always displays
+
+Always displays
+
+Always displays
+
+2.021
+
+Exterior
+
+2400.0081
+
+PropertyExteriorInspectionMethodType
+
+Always displays
+
+2.022
+
+Interior
+
+2400.0082
+
+PropertyInteriorInspectionMethodType
+
+Always displays
+
+2.023
+
+Inspection Date
+
+2400.0080
+
+InspectionDate
+
+Credentials
+
+2.024
+
+Level
+
+2400.0051
+
+AppraiserLicenseType
+
+2.025
+
+ID
+
+2400.0054
+
+LicenseIdentifier
+
+2.026
+
+State
+
+2400.0055
+
+LicenseIssuingAuthorityStateCode
+
+Display when provided.
+
+When not provided, do not display report label.
+
+Always displays
+
+Always displays
+
+Required when AppraiserLicenseType <> “None”
+
+When not provided, do not display report label.
+
+Required when AppraiserLicenseType <> “None”

chunks/txt/1b40c485064e3e594bf8b28de1680a3c66443034fc742f5f6ba586e3dcb65c29.txt

@@ -0,0 +1 @@
+© 2023 Fannie Mae Page 5 of 5

chunks/txt/1b43689e860b7617581293a1ae14e407be66d2810fb32afeb7e4de92ba6b12f5.txt

@@ -0,0 +1,67 @@
+2025-047
+
+Updated the ‘Definition / Additional Guidance’ column for Other in the Site Influence table to include Place of Worship as
+an example.
+
+04 Site
+
+2025-023 Clarified the ‘Definition / Additional Guidance’ column for Broadband Internet Available (4.067).
+
+2025-033
+
+Corrected the ‘When to Include’ and ‘Definition / Additional Guidance’ columns for Utility Shared (4.072, 4.078, 4.084,
+4.090, 4.096) to align with Appendix A-1.
+
+2025-035 Clarified the ‘Definition / Additional Guidance’ column for Year Built (8.010).
+
+2025-043 Updated the ‘Definition / Additional Guidance’ column for 3D Technology in the Construction Method table.
+
+2025-024 Updated snippet for Apparent Defects, Damages, Deficiencies (Dwelling Exterior).
+
+2025-048
+
+Clarified the ‘Definition / Additional Guidance’ column for Manufactured Home Width (9.005) for multi-story single-width
+homes.
+
+2025-005 Corrected the ‘When to Include’ column for Invoice(s) Appear Reasonable (9.024).
+
+2025-002
+
+Corrected snippet for Amenity Examples in Subject Property Amenities and Sales Comparison Approach to align with
+sample scenarios and iGuide.
+
+2025-002 Corrected the ‘When to Include’ column for Project Special Assessment Amount (18.072).
+
+08 Dwelling
+Exterior
+
+09 Manufactured
+Home
+
+14 Subject
+Property
+Amenities
+
+18 Project
+Information
+
+20 Sales Contract 2025-002 Corrected the Report Field ID for Sales Contract Analysis (20.011).
+
+Appendix F-1: URAR Reference Guide
+
+Page 2 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Revision History
+
+Reference Guide
+Chapter
+
+Change #
+
+Version 1.3 (Published June 10, 2025)
+
+Revision Description

chunks/txt/1b4d03665737a43c3ba266e4efe08b76085198231a7a926eae74c2933c97611a.txt

@@ -0,0 +1,3 @@
+Data Sources ............................................................................................................................................................................................................................................ 60
+
+Cost Approach .......................................................................................................................................................................................................................................... 60

chunks/txt/1b501bf99687a20efec8a382afa693460f499f1d3e881f36767b3c1a7f413dca.txt

@@ -0,0 +1,88 @@
+Reporting Format:
+Electricity – Checkbox(es) designated with an
+‘x’
+Gas – Checkbox(es) designated with an ‘x’
+Water – Checkbox(es) designated with an ‘x’
+Sanitary Sewer – Checkbox(es) designated
+with an ‘x’
+Description of ‘Other’ (if applicable) – Text
+
+Street/Alley
+The appraiser should indicate whether the
+street or alley type is ‘Public’ and/or ‘Private’.
+Enter ‘None’ in the appropriate description
+field if there is no street or alley.
+
+Reporting Format:
+Street – Checkbox(es) designated with an ‘x’
+Alley – Checkbox(es) designated with an ‘x’
+Description of Street/Alley – Text
+
+• 1004 Hybrid/70H
+
+• 1004 Desktop/70D
+
+• 2055/2055
+
+• 1073/465
+
+• 1073 Hybrid/465H
+
+• 1073 Desktop/465D
+
+• 1075/466
+
+• 1004/70
+
+INSTRUCTION
+
+• 1004 Hybrid/70H
+
+• 1004 Desktop/70D
+
+• 2055/2055
+
+• 1073/465
+
+• 1073 Hybrid/465H
+
+• 1073 Desktop/465D
+
+• 1075/466
+
+Project
+Information
+Section
+
+Project Description
+If the project includes more than one building,
+the appraiser should enter the type of building
+in which the subject unit is located. Only one
+selection is permitted. If ‘Other’ is selected, the
+appraiser must enter a description.
+
+• 1073/465
+
+INSTRUCTION
+
+• 1073 Hybrid/465H
+
+• 1073 Desktop/465D
+
+• 1075/466
+
+Reporting Format:
+Project Description – Checkbox designated
+with an ‘x’ Description of ‘Other’ (if applicable)
+– Text
+
+Page 23 of 68
+
+Appendix A: GSE Appraisal Forms Mapping
+
+Document Version 1.5
+
+© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners.
+
+This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at
+the direction of the Federal Housing Finance Agency.

chunks/txt/1b5a0eb269ca2ca5a3401a84796d9d712e4d09375da35baf2e5739ebc9a164ba.txt

@@ -0,0 +1,30 @@
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 55
+
+• Scenario 3: When a given image of the subject property is used in the Summary section and as the thumbnail in the Sales
+
+Comparison Approach, this image must be included only once in the Images folder of the .zip file. As the ImageCategoryType for
+this image is “PropertyPhoto” in both these locations and ImageFileLocationIdentifier is also pointing to the same image, only
+one instance of the IMAGE container must be included in the XML.
+
+• Scenario 4: When a given image is used in two different sections, then this image must be displayed in both section’s exhibits
+
+subsection with appropriate ImageCategoryType. For example, when DetachedGarage.png is used to represent detached garage
+as an outbuilding and as a vehicle storage, then this image should be displayed in both Outbuilding and Vehicle Storage
+sections. One copy of this image is included in the Images folder of the .zip file. In the XML file, include two instances of the
+IMAGE container both pointing to the same image in the ImageFileLocationIdentifier.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 56
+
+Descriptive Text for Images – When an image has multiple pieces of information to display on the URAR each piece of data should be
+
+separated with a “-“. Whether an image is referenced in multiple sections, either through containment or multiple
+ImageCategoryType(s) each piece of descriptive text displayed in the report should be separated using a “-“ hyphen.
+
+Defects, damages, and deficiencies observed on the property will be reported in the following sections. Each defect, damage, or deficiency
+that has been identified must be captured in an instance of the DEFECT container. The DEFECT container is located under the PROPERTY
+container. There is no context in the data for the location (building or unit) where the defect is identified. An arcrole must be used to link
+the DEFECT container to the appropriate instance of the container (location) to provide the context.

chunks/txt/1b809312f25f8637ebfe37c1dbfcfe65cb973aeae4dacc0c1f2cb69cc1001619.txt

@@ -0,0 +1,12 @@
+*Figure 7: Export to Excel Example*
+
+- **How can I download data embedded in the dashboard?** - To download the complete imported data underlying the dashboard, reset all the filters. Then, click an empty space on the map. Click the "Choose a format to download" button at the bottom of the dashboard (Figure 8). Click "Data." Make sure to click the map if the "Data" option is greyed out.
+ - To download aggregated PUDB data, go to "GSE_2022" in the "View Data" pop-up window and click "Download all rows as a text file." Please check Appendix I for the data dictionary for GSE_2022.
+ - To download NRI data, go to "NRI_CensusTacts" in the "View Data" pop-up window and click "Download all rows as a text file." Please check Appendix II for the data dictionary for NRI_CensusTacts.
+ ![Figure 8: Choose a format to download button](/sites/default/files/2024-09/Figure8-Choose-a-format-to-download-button.png)
+
+*Figure 8: Choose a format to download button*
+
+### Appendix I: Data Dictionary - GSE_2022
+
+Field Name Field Description State State Name County County Name Tract 2020 Census Tract Tractfips State-County-Tract FIPS Code Stcofips State-County FIPS Code Ym Acquisition Year pov_ind Persistent Poverty County Indicator Risk_Rating_S National Risk Index Rating for selected Hazard rural_ind Rural area for purposes of Duty to Serve Indicator Gsel SF Loan Count - Purchased by Enterprise Gsemfl MF Property Count - Purchased by Enterprise Gseu Total SF Acquisition UPB - Purchased by Enterprise Gsemfu Total MF Acquisition UPB - Purchased by Enterprise Hlbl SF Loan Count - Purchased by FHLBanks Hlbu Total SF Acquisition UPB - Purchased by FHLBanks

chunks/txt/1b884b208e37a0eb92198481b5b5f636f340d29a0285797466f17daa1a27b208.txt

@@ -0,0 +1,133 @@
+/VALUATION_RESPONSE/PROPERTY/PROJECT/@_ManagementAgentNam
+e
+
+200
+
+String
+
+190
+
+1
+
+179
+
+PROJECT
+INFORMATION
+
+Does any single entity (the same
+individual, investor group, corporation,
+etc.) own more than 10% of the total
+units in the project?
+Yes
+
+Project
+Concentrated
+Ownership Indicator
+
+Indicates that one person or entity holds
+more than ten (10) percent ownership of
+the project. FORM-SPECIFIC FIELD.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ConcentratedOwnershi
+pIndicator='Y']
+
+1
+
+1
+
+Boolean
+
+Boolean
+
+191
+
+192
+
+193
+
+194
+
+195
+
+1
+
+1
+
+1
+
+1
+
+1
+
+180
+
+181
+
+182
+
+183
+
+184
+
+PROJECT
+INFORMATION
+
+PROJECT
+INFORMATION
+
+Does any single entity (the same
+individual, investor group, corporation,
+etc.) own more than 10% of the total
+units in the project?
+No
+
+Does any single entity (the same
+individual, investor group, corporation,
+etc.) own more than 10% of the total
+units in the project?
+If Yes, describe
+
+PROJECT
+INFORMATION
+
+Was the project created by the
+conversion of an existing building(s)
+into a condominium?
+Yes
+
+PROJECT
+INFORMATION
+
+PROJECT
+INFORMATION
+
+Was the project created by the
+conversion of an existing building(s)
+into a condominium?
+No
+
+Was the project created by the
+conversion of an existing building(s)
+into a condominium?
+If Yes, describe the original use and the
+date of conversion.
+
+Project
+Concentrated
+Ownership Indicator
+
+Indicates that one person or entity holds
+more than ten (10) percent ownership of
+the project. FORM-SPECIFIC FIELD.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ConcentratedOwnershi
+pIndicator='N']
+
+Project
+Concentrated
+Ownership
+Description
+
+A free-form text field describing the one
+person or entity that holds more than ten
+(10) percent ownership of the project.

chunks/txt/1ba2d641c996803f1036e74c737a313fddb6ae5e10188a20cec065aad3a56726.txt

@@ -0,0 +1,35 @@
+2.
+
+Identify the jurisdiction assessing the tax or fee as part of the fee description (8.3.1).
+
+3. Determine if the payment was broken out across multiple payors (as provided by State or local law, the
+
+terms of the legal obligation, or the real estate purchase contract) or was paid at different times relative to
+closing. If paid by one payor at one time, disclose the full amount of the charge in the appropriate column.
+(8.3.2 – 8.3.6)
+
+4.
+
+If the payment was broken out, disclose all payors, their portion of the charge, and at what time they paid
+it relative to closing.
+
+a.
+
+b.
+
+If the charge was paid by a third party, no timing information is needed. (8.3.6)
+
+If the third-party payor is the lender, precede the amount paid by the indicator “(L)” (8.3.6)
+
+8. 2 | 8. 3 RECORDI NG FEES AND TRANSFER TAXES
+
+As shown in the Figure 81, the Recording Fees line item description is broken out into two subtotals—one
+amount for fees relating to the Deed ($45.00) and one amount for fees relating to the Mortgage or other
+security instrument ($40.00). These two subtotals are summed to provide the total amount that must then be
+broken out by the party making the payment and the timing of the payment. In this For example, only fees
+directly attributable to recording the deed ($40.00) and the mortgage ($45.00) were assessed, and the borrower
+paid the entire amount at closing. Therefore, the Borrower-Paid At Closing amount is $85.00.
+
+Note that additional items to be recorded that cannot be directly associated with either the deed or mortgage
+need to be included in the summed value and then broken out as applicable. These items are not reflected on
+the form or included in the data set.

chunks/txt/1ba4b8fd8fa99773c1c1df11339d4a9954371678a415241bc5491c42c6e8122f.txt

@@ -0,0 +1,79 @@
+8.2 Three repeats of FEE are required for the Recording Fees for Deed and Mortgage line item (8.2). Two for the
+subtotals in the line item description, and one to identify the total Recording Fee amount(s) (sum of amounts in
+line item description) by Payer and payment time relative to closing.
+
+8. 4 PREPAI DS
+
+The Regulation specifies the order and contents of each of the first four line items that must appear in section F.
+Prepaids:
+
+Appendix E: UCD Implementation Guide
+
+Page 129 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+8.0 Other Costs Table
+
+8.5 The number of months for which the borrower paid Homeowner’s Insurance Premiums, to whom they
+
+were paid, and the total dollar amount
+
+8.6 The number of months for which the borrower paid Mortgage Insurance Premiums, to whom they were
+
+paid, and the total dollar amount
+
+8.7 The amount of Prepaid Interest paid per day, the start date and through date represented by the prepaid
+
+interest, and the total dollar amount
+
+8.8 The number of months for which the borrower paid Property Taxes, to whom they were paid, and the total
+
+dollar amount.
+
+8.9 Any additional items relevant to the transaction, including items such as past-due real estate property taxes
+
+and flood insurance premiums, and so forth.
+
+Other Costs
+
+8.0
+
+8.1 E. Taxes and Other Government Fees
+
+8.4 F. Prepaids
+
+Borrower-Paid
+
+Seller-Paid
+
+At Closing
+
+Before Closing
+
+At Closing
+
+Before Closing
+
+Paid by
+Others
+
+8.1.1 $985.00
+
+8.4.1 $1,598.00
+
+018.5 Homeowner’s Insurance Premium 8.5.1 (12 mo.) to
+
+8.5.2
+
+8.5.3 $1,209.96 8.5.4
+
+8.5.5
+
+8.5.6
+
+Insurance Co
+
+028.6 Mortgage Insurance Premium 8.6.1 (1 mo.) to MI

chunks/txt/1bc965a121410bc50c8fab0ae760fffa71330803e9ab400443565349cf4b3e8b.txt

@@ -0,0 +1,30 @@
+3. What data points are used to represent a Mortgage Credit Certificate (MCC) in the loan
+
+submission file?
+
+For conventional loans a Mortgage Credit Certificate (MCC) is represented at the borrower level by a
+Current Income Item having IncomeType (UID 4.0044) = “MortgageCreditCertificate”. The amount of
+the MCC will be added to income for calculations.
+
+For government loans, an MCC is represented at loan level using the data point.
+GovernmentMortgageCreditCertificateAmount (UID 13.0014). For an FHA loan, the amount of the
+MCC will be subtracted from the mortgage payment for calculations. For a VA loan, the amount of the
+MCC will be added to the residual income, subject to VA monthly limits.
+
+Also, you cannot submit both IncomeType = “MortgageCreditCertificate” AND
+GovernmentMortgageCreditCertificateAmount in the same Loan Application Submission file or DU will
+result in a recommendation of “Ineligible”.
+
+4. How should Present Housing Expenses be represented in the file?
+
+For present housing expenses related to home ownership, the OWNED_PROPERTY and LIABILITY
+structures are utilized. When an OWNED_PROPERTY has the PropertyUsageType = “PrimaryResidence”
+and OwnedPropertyDispositionStatusType = “Retain”, all expenses other than mortgage payments are
+reflected in the data point OwnedPropertyMaintenanceExpenseAmount. The present housing expense
+represented by the mortgage payments are reflected in the LiabilityMonthlyPaymentAmount of the
+MortgageLoan liability(s) associated to the OWNED_PROPERTY.
+
+3
+
+The ASSET container listed above will be linked using an ArcRole to all LIABILITY containers which
+contain the monthly mortgage payment(s) of the ASSET.

chunks/txt/1bce47d768160cb3f8fc3ceaa5625d4bffe3748f947fe0bd4453f0aa2a2190ef.txt

@@ -0,0 +1,55 @@
+The subject and comparables are located within a suburban market area that is within 40 miles commuting distance to the Northern
+Virginia and Washington, DC metropolitan business and government centers. Sales of properties with accessory dwelling units, while not
+uncommon, can be difficult to identify as the units are often not advertised as separate living areas. Comparables #2 and #3 are given greatest
+consideration as they are the most proximate, contain accessory dwelling units and are most similar in age, quality, and condition to the
+subject. The subject and all comparables are located within the “Unreal Farms” neighborhood and are leasehold properties.
+
+Appraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 4 (SF4)
+
+Uniform Residential Appraisal Report
+
+Page 18 of 22
+Page 18 of 22
+
+Sales Comparison Approach (continued)
+
+PG BRK
+
+Sales Comparison Map
+
+Appraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 4 (SF4)
+
+Uniform Residential Appraisal Report
+
+Page 19 of 22
+Page 19 of 22
+
+Sales Comparison Approach (continued)
+
+Sales Comparison Approach Exhibits
+
+Comparable #1
+
+Comparable #2
+
+This is where the Comparable 1 photo would display.
+
+This is where the Comparable 2 photo would display.
+
+Comparable #3
+
+This is where the Comparable 3 photo would display.
+
+Reconciliation
+
+Approaches to Value
+
+Indicated Value
+
+Reason for Exclusion
+
+Appraisal Summary
+
+Contract Price
+Opinion of Market Value
+Market Value Condition

chunks/txt/1bd8c99b5d53b81d072a0e67c443dfe5df8deef0d9cce6ba083c9e196ebd423a.txt

@@ -0,0 +1,68 @@
+Uniform Appraisal Dataset (UAD) Specification
+
+Issued by Fannie Mae and Freddie Mac
+Appendix D-1: Manufactured Home Scenario 2 (MH2)
+Document Version 1.3
+June 10, 2025
+
+This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the
+Federal Housing Finance Agency.
+© 2025 Fannie Mae and Freddie Mac. Trademarks of the respective owners.
+
+Revision History
+
+Date
+
+Version # Revision Description
+
+06/10/2025
+
+09/17/2024
+
+12/12/2023
+
+1.3
+
+1.2
+
+1.1
+
+See Appendix D-1: URAR Sample Scenario Matrix for complete list of
+updates.
+
+See Appendix D-1: URAR Sample Scenario Matrix for complete list of
+updates.
+See Appendix D-1: URAR Sample Scenario Matrix for complete list of
+updates.
+
+03/29/2023
+
+1.0
+
+Initial Publication
+
+Introduction
+
+This report is for a 1,568 sq. ft. manufactured home with three bedrooms and two full baths. The
+dwelling is attached to a poured concrete perimeter foundation with crawl space. The site is a 14,000 sq.
+ft. lot within a neighborhood of similar manufactured, modular, and site-built single-level homes.
+
+The improvements include an attached two-car garage, patio, and covered porch.
+
+Key Characteristics
+
+• Refinance Transaction
+
+• Construction Method: Manufactured Home and Site Built
+
+o Freddie Mac CHOICEHome® (for additional details refer to CHOICEHome - Freddie Mac
+
+Single-Family)
+
+o Fannie Mae MH Advantage (for additional details refer to Manufactured Housing
+
+Financing | Fannie Mae)
+
+o Features and characteristics that exceed minimum HUD code for manufactured homes
+
+o Garage and front porch are site-built

chunks/txt/1bdf78e39e1c6a230b21924c0762a33204abe0afa8601971cb813bff9b318357.txt

@@ -0,0 +1,99 @@
+1. MAPPI NG GUI DANCE
+
+Fourth Instance of PREPAID_ITEM
+
+…/PREPAID_ITEM/PR
+EPAID_ITEM_DETAIL
+
+FeePaidToType
+
+ThirdPartyProvider
+
+Not Shown –
+ATR/QM
+
+IntegratedDisclosure
+SectionType
+
+Prepaids
+
+Not Shown
+
+PrepaidItemMonthsP
+aidCount
+
+6
+
+PrepaidItemType
+
+CountyPropertyTax
+
+ROF as “(6 mo.)”
+
+ROF as “Property
+Taxes”
+
+FullName
+
+Any County USA
+
+Jurisdiction payee
+
+PrepaidItemActualPa
+ymentAmount
+
+631.80
+
+ROF as “$631.80”
+
+PrepaidItemPayment
+PaidByType
+
+Seller
+
+PrepaidItemPayment
+TimingType
+
+Before Closing
+
+ROF as “Seller-Paid”
+
+…/PREPAID_ITEM_PA
+ID_TO/LEGAL_ENTITY
+/LEGAL_ENTITY_DET
+AIL
+
+…/PREPAID_ITEM/PR
+EPAID_ITEM_PAYME
+NTS/PREPAID_ITEM_
+PAYMENT
+
+a. Prepaids line items are represented using PREPAID_ITEM under CLOSING_INFORMATION.
+
+PREPAID_ITEM repeats for each line item with child containers including data points that identify the
+
+Appendix E: UCD Implementation Guide
+
+Page 133 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+8.0 Other Costs Table
+
+line item, the period for which the payment is made, the party to whom the payment is due, and the
+break out of the payments by amount, payer, and timing of the payment relative to closing.
+
+i.
+
+ii.
+
+PREPAID_ITEM_DETAIL/PrepaidItemType describes the line item. Appendix I specifies enumerated
+values for Prepaid Item Type to cover most scenarios in the closing process; however, there are
+instances when a specific item may not be listed. In these instances use the PrepaidItemType value
+of “Other” plus PrepaidItemTypeOtherDescription with explicit description of the item.
+
+The timeframe covered by the prepaid item is specified using either the
+PrepaidItemMonthsPaidCount, or if it is expressed as a range the PrepaidItemPerDiemAmount,
+Prepai ItemPai From Date, and Prepaid ItemPaidThroughDate.

chunks/txt/1be0645468ae39d6205fc418c86fc82c10e48132abaa70455d48d60002671535.txt

@@ -0,0 +1,17 @@
+15.000
+
+15.005
+
+15.001 15.002
+
+15.003 15.004
+
+15.006 15.007
+15.008 15.009
+
+15.010
+
+(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1)
+(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)
+
+(cid:54)(cid:79)(cid:74)(cid:71)(cid:80)(cid:83)(cid:78)(cid:1)(cid:51)(cid:70)(cid:84)(cid:74)(cid:69)(cid:70)(cid:79)(cid:85)(cid:74)(cid:66)(cid:77)(cid:1)(cid:34)(cid:81)(cid:81)(cid:83)(cid:66)(cid:74)(cid:84)(cid:66)(cid:77)(cid:1)(cid:51)(cid:70)(cid:81)(cid:80)(cid:83)(cid:85)(cid:1)

chunks/txt/1be2f33465a7b3a712b5e92405b32841ef122a44b726e8bbe9343f9f6ed6eade.txt

@@ -0,0 +1,33 @@
+1. Data Point
+
+a. Adding Data Points to the MISMO Standard
+
+If the business partner believes that the V3.0 Reference Model is missing a data
+point that would be valuable to the Standard, the business partner should submit a
+change request to the MISMO Workgroup requesting that the data point be added
+to the next version. Contact MISMO staff at info@mismo.org for the proper
+procedure for initiating this process. In the meantime, if the business partners wish
+to use the data point, they must use the appropriate EXTENSION container.
+
+2. Enumeration : Explanation
+
+a. Adding Enumerations to the MISMO Standard.
+
+If the business partner believes that the data point has a missing enumeration that
+would be valuable to the Standard, the business partner should submit a change
+request to the MISMO Workgroup requesting that the valid value be added to the
+next version of the Standard. This should be done even when the business partner
+is using “Other Description” in its current implementation, so that the Standard can
+continue to mature and remain relevant. Contact MISMO staff at info@mismo.org
+for the proper procedure for initiating this process.
+
+3. Enumeration: -- URN Suffix
+
+Business partners usually don’t need to refer to the “Enumeration: -- URN Suffix”
+column. A Uniform Resource Name (URN) is included in the LDD for every
+enumeration; it is simply another representation of a data-point-valid-value
+combination. The URN for an enumeration is the URN of its data point, including the
+MISMO namespace, followed by a colon and the enumeration, all without spaces.
+(The MISMO namespace provides the source for this particular XML “vocabulary,”
+and enables data points to remain unique if, for example, an instance of the MISMO
+schema were to be combined with terms from another XML vocabulary source.)

chunks/txt/1be722c233eb4ae9b770b2e92101ef7a233e35160ef9eb55be4be3be2716539c.txt

@@ -0,0 +1,148 @@
+Client/Lender
+
+Company Name
+Company Address
+
+Appraiser
+
+Name
+Company Name
+
+Company Address
+
+Bank of Maryland
+81 Cedar Rd
+Nowhere, MD 09991
+
+John Appraiser
+ John Appraiser Appraisal
+Company
+381 Pine St
+Anytown, MD 09992
+
+Credentials
+Level
+ID
+State
+Expires
+
+Certified Residential
+03-XXXXXX
+MD
+12/31/2025
+
+Scope of Inspection by Appraiser
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date
+
+Physical
+Physical
+03/03/2024
+
+Subject Property
+
+Physical Address
+
+County
+Neighborhood Name
+
+213 Tree Stand Rd
+Anytown, MD 09992
+Hill
+Hilltop Hills
+
+Attachment Type
+Units Excluding ADUs
+Accessory Dwelling Units
+Special Tax Assessments
+
+Detached
+1
+0
+No
+
+Planned Unit Development (PUD)
+Condominium
+Cooperative
+Condop
+Property on Native American Lands
+Subject Site Owned in Common
+Homeowner Responsible for all Exterior Maintenance
+of Dwelling(s)
+New Construction
+
+Yes No
+ 
+ 
+ 
+ 
+ 
+ 
+ 
+
+ 
+
+Ownership Rights
+
+Property Rights Appraised
+
+Fee Simple
+
+All Rights Included in Appraisal
+
+Yes
+
+Legal Description
+
+Lot 3 Block 8 Section 2 of Hilltop Hills
+
+Site
+
+Total Site Size
+
+15,000 Sq. Ft.
+
+Number of Parcels
+
+1
+
+Assessor Parcel Number (APN)
+KLWMDFMW
+
+APN Description
+Land with Dwelling
+
+Parcel Size
+15,000 Sq. Ft.
+
+Zoning
+
+Compliance
+Classification Code
+Classification Code Description
+
+Legal
+R-3
+ 3 Residential Building Lots
+per Acre
+
+Property Use
+
+Non-Residential Use
+
+None
+
+Property Access
+
+Primary Access
+Street Type and Surface
+Typical for Market
+
+Public Street
+Local Road | Asphalt
+Yes
+
+Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K

chunks/txt/1bef287a2b7a581c1afdcfad14cbf3a7a5016ccb7c9e0667e0885fb92b860e88.txt

@@ -0,0 +1,363 @@
+Guest Parking Spaces Count
+
+1004/70
+
+1004
+Hybrid/
+70H
+
+1004
+Desktop/
+70D
+
+2055
+
+1073/465
+
+1073
+Hybrid/
+465H
+
+1073
+Desktop/
+465D
+
+1075/466
+
+T
+
+T
+
+T
+
+CR
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+T
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+T
+
+T
+
+T
+
+CR
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+T
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+T
+
+T
+
+T
+
+CR
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+T
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+T
+
+T
+
+T
+
+CR
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+T
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+T
+T
+CR
+T
+T
+T
+T
+T
+T
+T
+T
+T
+CR
+T
+T
+T
+T
+
+T
+T
+CR
+T
+T
+T
+T
+T
+T
+T
+T
+T
+CR
+T
+T
+T
+T
+
+T
+T
+CR
+T
+T
+T
+T
+T
+T
+T
+T
+T
+CR
+T
+T
+T
+T
+
+T
+T
+CR
+T
+T
+T
+T
+T
+T
+T
+T
+T
+CR
+T
+T
+T
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+N/A
+
+T
+
+N/A
+
+T
+
+N/A
+
+T
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+T
+
+T
+
+T
+
+N/A
+
+T
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+T
+
+T
+
+T
+
+N/A
+
+T
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+T
+
+T
+
+T
+
+N/A
+
+T
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+T
+
+T
+
+T
+
+N/A
+
+T
+
+N/A
+
+N/A

chunks/txt/1bf429779527dc2df0f44613bef1e7356059265364cbb160a6b52df541ca50ea.txt

@@ -0,0 +1,84 @@
+Sale Price
+Adjustment Amount
+
+The dollar amount of the adjustment
+applied to the sale price for the property
+feature identified by Sale Price
+Adjustment Type.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_
+ADJUSTMENT[@_Type='RecreationFacilities']/@_Amount
+
+SALES
+COMPARISON
+APPROACH
+
+Floor Location
+
+Sale Price
+Adjustment
+Description
+
+A free form text field used to further
+describe the property feature which is
+identified by Sales Price Adjustment
+Type. (i.e. Location, Condition, etc.)
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_
+ADJUSTMENT[@_Type='FloorLocation']/@_Description
+
+10
+
+20
+
+10
+
+20
+
+10
+
+20
+
+10
+
+20
+
+10
+
+20
+
+Format
+
+Money
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+
+PDF Display Format:
+Whole dollars only.
+
+The sum of this field 3-66 and fields (3-60,
+3-62, 3-64, 3-68, 3-70, 3-72, 3-74, 3-76, 3-
+78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, 3-93,
+3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3-
+107, 3-109, 3-111) must add up to Net
+Adjustment field 3-116.
+
+String
+
+This field should indicate the land rights appraised (e.g. Leasehold or Fee Simple).
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+The sum of this field 3-68 and fields (3-60,
+3-62, 3-64, 3-66, 3-70, 3-72, 3-74, 3-76, 3-
+78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, 3-93,
+3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3-
+107, 3-109, 3-111) must add up to Net
+Adjustment field 3-116.