diff --git a/chunks/txt/19d8c561635b4e8ed4574bca0eb6de474d19ebeed93e59db3d74619e2aaa9558.txt b/chunks/txt/19d8c561635b4e8ed4574bca0eb6de474d19ebeed93e59db3d74619e2aaa9558.txt new file mode 100644 index 0000000000000000000000000000000000000000..c95df542192176e1336ebe42ca2e93d47e09684a --- /dev/null +++ b/chunks/txt/19d8c561635b4e8ed4574bca0eb6de474d19ebeed93e59db3d74619e2aaa9558.txt @@ -0,0 +1 @@ +{"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. 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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. + + +… + + + + + + + + + +360 + Month + + + + +… + + +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. diff --git a/chunks/txt/1a1b603341c1650ebea4d79bc4a6c0c5cc3ffbb4017c18da52820f6cf0c95a88.txt b/chunks/txt/1a1b603341c1650ebea4d79bc4a6c0c5cc3ffbb4017c18da52820f6cf0c95a88.txt new file mode 100644 index 0000000000000000000000000000000000000000..7c70c9929dd1ba4b1fcf504446645f0254ce465f --- /dev/null +++ b/chunks/txt/1a1b603341c1650ebea4d79bc4a6c0c5cc3ffbb4017c18da52820f6cf0c95a88.txt @@ -0,0 +1,3 @@ +Overview ................................................................................................................................................................................................................................................ 169 + +Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 170 diff --git a/chunks/txt/1a1cc5ee67ddd9e580e10808720e297cfaaf96a24fc92f7fba33fd8d47a92a7f.txt b/chunks/txt/1a1cc5ee67ddd9e580e10808720e297cfaaf96a24fc92f7fba33fd8d47a92a7f.txt new file mode 100644 index 0000000000000000000000000000000000000000..9b10ec7cfcd823172f9e55d534ccc846a8002fda --- /dev/null +++ b/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 diff --git a/chunks/txt/1a254182210c6bf40c5366f88048d4455337c51f221142b794ecaf2273977a53.txt b/chunks/txt/1a254182210c6bf40c5366f88048d4455337c51f221142b794ecaf2273977a53.txt new file mode 100644 index 0000000000000000000000000000000000000000..e32ea38dd932be6177f1a9b027312e8b82c53ab1 --- /dev/null +++ b/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. diff --git a/chunks/txt/1a2ba945cd8684252203b34dc2fc7470adc6f5fafd903cdae7821cbe5cfa275b.txt b/chunks/txt/1a2ba945cd8684252203b34dc2fc7470adc6f5fafd903cdae7821cbe5cfa275b.txt new file mode 100644 index 0000000000000000000000000000000000000000..10471fca25b0d8c65dde32f4b6a5b307c9ffe5a0 --- /dev/null +++ b/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](/)* diff --git a/chunks/txt/1a3921b8f105f05dddb4f81e0c1df2fcc4417614f89985ad36b9e4ce20d6b72c.txt b/chunks/txt/1a3921b8f105f05dddb4f81e0c1df2fcc4417614f89985ad36b9e4ce20d6b72c.txt new file mode 100644 index 0000000000000000000000000000000000000000..d92371d1fca264ed2f7a705a43f0347141818f66 --- /dev/null +++ b/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) diff --git a/chunks/txt/1a3abe89c7e59e093cdb19c6818191a13bf1d62658ad7d92ff90e69358ae51f5.txt b/chunks/txt/1a3abe89c7e59e093cdb19c6818191a13bf1d62658ad7d92ff90e69358ae51f5.txt new file mode 100644 index 0000000000000000000000000000000000000000..9f4ff01c3045a6f79c880b7b0ab60001ea1d8296 --- /dev/null +++ b/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 diff --git a/chunks/txt/1a41591b78e635b4b710f2a424a439e5ccbe37fccb7cc1032f3ee6147b013a61.txt b/chunks/txt/1a41591b78e635b4b710f2a424a439e5ccbe37fccb7cc1032f3ee6147b013a61.txt new file mode 100644 index 0000000000000000000000000000000000000000..d93b5871f697b6b948127a48187c95fd399629cf --- /dev/null +++ b/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) diff --git a/chunks/txt/1a6b1b0ad84ae52b23d6251665bb6f1f9b0fea73c49d3c93a27001b906a67d50.txt b/chunks/txt/1a6b1b0ad84ae52b23d6251665bb6f1f9b0fea73c49d3c93a27001b906a67d50.txt new file mode 100644 index 0000000000000000000000000000000000000000..7c109a2729a1349b8db4cbaa8cd850b3ae9170b9 --- /dev/null +++ b/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) diff --git a/chunks/txt/1a73de47e5afbaa126ad1905aa710757a36864adf51c6008c99c588c15bc62af.txt b/chunks/txt/1a73de47e5afbaa126ad1905aa710757a36864adf51c6008c99c588c15bc62af.txt new file mode 100644 index 0000000000000000000000000000000000000000..f6656922b448d23feab1945d6446993fd2cdc955 --- /dev/null +++ b/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) diff --git a/chunks/txt/1a76b02cd0aed1e3dd928a2a23b822f5dc2896f8601c7046c810bde8c32a5a8a.txt b/chunks/txt/1a76b02cd0aed1e3dd928a2a23b822f5dc2896f8601c7046c810bde8c32a5a8a.txt new file mode 100644 index 0000000000000000000000000000000000000000..19e4baeebe6cf8edd6297c6e80801672b8092591 --- /dev/null +++ b/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'] diff --git a/chunks/txt/1a7caa39dc13d8dbd371d82c7dd95ec6c17fb715b76560bd400a9d8576b8f742.txt b/chunks/txt/1a7caa39dc13d8dbd371d82c7dd95ec6c17fb715b76560bd400a9d8576b8f742.txt new file mode 100644 index 0000000000000000000000000000000000000000..37a98bb28fadc7230a8d4f95f64d31c01a732832 --- /dev/null +++ b/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. + + + +Joe + Smith + + + + + + + + + + + +123456 + + + + + + + +NotePayTo + + + + + + + + + + + + + + + + +Ficus Bank + + + + + +
+ +4321 Random Blvd. + Mailing + Ste. 560 + Somecity + 12345 + ST + +
+ + + + + + + + + +111111 + + + + + +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. + + + + +NotePayTo + + + + + + + + + + + + + + + + + + + +sarah@epsilontitle.com + + + + + + + diff --git a/chunks/txt/1a862aee0689a4ff9d238b59392776637a663ea1e0545bd212f8601a6ca847c2.txt b/chunks/txt/1a862aee0689a4ff9d238b59392776637a663ea1e0545bd212f8601a6ca847c2.txt new file mode 100644 index 0000000000000000000000000000000000000000..a87cc55e09f42cb7ecaed19367fd087466b6f7d3 --- /dev/null +++ b/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 diff --git a/chunks/txt/1a9107a38016394ce4d019473ce9255a628dd1eb6b73198cd0af2aafec853b5d.txt b/chunks/txt/1a9107a38016394ce4d019473ce9255a628dd1eb6b73198cd0af2aafec853b5d.txt new file mode 100644 index 0000000000000000000000000000000000000000..3ac20e6348c602605ecdb08c5ab1af24c6473929 --- /dev/null +++ b/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 diff --git a/chunks/txt/1abbacf9de9bb573da40b90863f66ee84e96d8c056ce7cb960bbbe078d963a81.txt b/chunks/txt/1abbacf9de9bb573da40b90863f66ee84e96d8c056ce7cb960bbbe078d963a81.txt new file mode 100644 index 0000000000000000000000000000000000000000..528a2235827b5b3e69b18b859a42856a6aff91c0 --- /dev/null +++ b/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) diff --git a/chunks/txt/1ac00c07ebf59d98da7bf2e625558fd5b20a089790ae70272da2b054680d8d3b.txt b/chunks/txt/1ac00c07ebf59d98da7bf2e625558fd5b20a089790ae70272da2b054680d8d3b.txt new file mode 100644 index 0000000000000000000000000000000000000000..8e3247bdd598e3eaf02dd5ffe4f4b963372fa899 --- /dev/null +++ b/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 diff --git a/chunks/txt/1acb85731931098fe728266b69d4ae62afce85cf42134b65a53b85cd87113929.txt b/chunks/txt/1acb85731931098fe728266b69d4ae62afce85cf42134b65a53b85cd87113929.txt new file mode 100644 index 0000000000000000000000000000000000000000..6ddb00ca72683a52b0f84824c490753aa166e2f0 --- /dev/null +++ b/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 diff --git a/chunks/txt/1ad4926539033522b35cfeb79b2f9e17e24713036726e4a0e747e485174a10e9.txt b/chunks/txt/1ad4926539033522b35cfeb79b2f9e17e24713036726e4a0e747e485174a10e9.txt new file mode 100644 index 0000000000000000000000000000000000000000..2c5064300f35e212c7a46c701fd39c08c7f20604 --- /dev/null +++ b/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. diff --git a/chunks/txt/1adb9149958fe2831872e45b08dc458591fd563ffc17de7de7a67759a71b2d33.txt b/chunks/txt/1adb9149958fe2831872e45b08dc458591fd563ffc17de7de7a67759a71b2d33.txt new file mode 100644 index 0000000000000000000000000000000000000000..d1dd5e06d0b81e3f54a2ce3888ff0e777be43cd0 --- /dev/null +++ b/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. diff --git a/chunks/txt/1ae096dec20b58ec83ad1c7c03678963bbc7019f21409b37b35affc8c83fabe0.txt b/chunks/txt/1ae096dec20b58ec83ad1c7c03678963bbc7019f21409b37b35affc8c83fabe0.txt new file mode 100644 index 0000000000000000000000000000000000000000..089d78e2593bd789456550bdb53d936f6233a79c --- /dev/null +++ b/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. diff --git a/chunks/txt/1ae26f2424894356ee0f393db29d3c8d024c11ae554c9bd472c1dbc07a0076b7.txt b/chunks/txt/1ae26f2424894356ee0f393db29d3c8d024c11ae554c9bd472c1dbc07a0076b7.txt new file mode 100644 index 0000000000000000000000000000000000000000..ce5ac1e50dbf2a7c9fc00f54353e0841793b7146 --- /dev/null +++ b/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 diff --git a/chunks/txt/1aef2aa56a7104019c2d46feeed7e32ce45b4864adb7fd9a09f09b72cca3a05c.txt b/chunks/txt/1aef2aa56a7104019c2d46feeed7e32ce45b4864adb7fd9a09f09b72cca3a05c.txt new file mode 100644 index 0000000000000000000000000000000000000000..501569a450fff063d3a8356f5b0411e1259f156f --- /dev/null +++ b/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. diff --git a/chunks/txt/1af3d617f44af9dd9bde7cb68ba2d16ca8c3cc7c4bf32d671284469a6129a4d8.txt b/chunks/txt/1af3d617f44af9dd9bde7cb68ba2d16ca8c3cc7c4bf32d671284469a6129a4d8.txt new file mode 100644 index 0000000000000000000000000000000000000000..45b65c8c36edd7e7adf080a6e6827a0b1becac5c --- /dev/null +++ b/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. diff --git a/chunks/txt/1b102a6f8a6805ebf8d27abfe72cf979770263920cc5344deb0de43658997680.txt b/chunks/txt/1b102a6f8a6805ebf8d27abfe72cf979770263920cc5344deb0de43658997680.txt new file mode 100644 index 0000000000000000000000000000000000000000..22a82dc1844f2b3eed9960f6dcccceb75039e21e --- /dev/null +++ b/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. diff --git a/chunks/txt/1b10543f07533ff914417ecc751a62837a2bca3a50dfb3416b69d8424aa9f940.txt b/chunks/txt/1b10543f07533ff914417ecc751a62837a2bca3a50dfb3416b69d8424aa9f940.txt new file mode 100644 index 0000000000000000000000000000000000000000..f1af48e4239263661806f37dbfdfd13f327c64a9 --- /dev/null +++ b/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. diff --git a/chunks/txt/1b177fa76da522160780f4dc90190ab856e29f95094f0923ee09aadadf705bfe.txt b/chunks/txt/1b177fa76da522160780f4dc90190ab856e29f95094f0923ee09aadadf705bfe.txt new file mode 100644 index 0000000000000000000000000000000000000000..90ef3aa5fca4109d6488f603fdbf7b992a8a5d75 --- /dev/null +++ b/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 diff --git a/chunks/txt/1b2506f73d9489594ec897b03489e1eac65c5a51bb1c5b3f330c0b6b162086ab.txt b/chunks/txt/1b2506f73d9489594ec897b03489e1eac65c5a51bb1c5b3f330c0b6b162086ab.txt new file mode 100644 index 0000000000000000000000000000000000000000..3ba21c50d2790236a38388c94b919752ab13e560 --- /dev/null +++ b/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. diff --git a/chunks/txt/1b336f060d791a5986b107649f131b123a4d44e2f5ab6189093e1848bd2ae9af.txt b/chunks/txt/1b336f060d791a5986b107649f131b123a4d44e2f5ab6189093e1848bd2ae9af.txt new file mode 100644 index 0000000000000000000000000000000000000000..6d5f0d0d0cce465dbed162ea3aefae3454f6b869 --- /dev/null +++ b/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. diff --git a/chunks/txt/1b38bde9854bae036813320af4ceee6f9882b106d6d4c4d09fa25a4f9da65997.txt b/chunks/txt/1b38bde9854bae036813320af4ceee6f9882b106d6d4c4d09fa25a4f9da65997.txt new file mode 100644 index 0000000000000000000000000000000000000000..9f1ff871ce5f7b7d03495468eed797ca2fc082f9 --- /dev/null +++ b/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 diff --git a/chunks/txt/1b3cceb435397a84eeb1f4b2a4eb2516d03ac0c1f51754e0e8c10e4aa4f1fc0d.txt b/chunks/txt/1b3cceb435397a84eeb1f4b2a4eb2516d03ac0c1f51754e0e8c10e4aa4f1fc0d.txt new file mode 100644 index 0000000000000000000000000000000000000000..126d2e9da37856603f259fbbdfdb3d66996e701b --- /dev/null +++ b/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 diff --git a/chunks/txt/1b3fe19515a53619742b7d960095f303811e6f35e342d14dd9d050cc42cc66f2.txt b/chunks/txt/1b3fe19515a53619742b7d960095f303811e6f35e342d14dd9d050cc42cc66f2.txt new file mode 100644 index 0000000000000000000000000000000000000000..b4ce5c686797ce3024367c78cd93a68878a59311 --- /dev/null +++ b/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” diff --git a/chunks/txt/1b40c485064e3e594bf8b28de1680a3c66443034fc742f5f6ba586e3dcb65c29.txt b/chunks/txt/1b40c485064e3e594bf8b28de1680a3c66443034fc742f5f6ba586e3dcb65c29.txt new file mode 100644 index 0000000000000000000000000000000000000000..f95ddc2e525219d4509c29e96f63351aa81315f2 --- /dev/null +++ b/chunks/txt/1b40c485064e3e594bf8b28de1680a3c66443034fc742f5f6ba586e3dcb65c29.txt @@ -0,0 +1 @@ +© 2023 Fannie Mae Page 5 of 5 diff --git a/chunks/txt/1b43689e860b7617581293a1ae14e407be66d2810fb32afeb7e4de92ba6b12f5.txt b/chunks/txt/1b43689e860b7617581293a1ae14e407be66d2810fb32afeb7e4de92ba6b12f5.txt new file mode 100644 index 0000000000000000000000000000000000000000..b9c79f52026ad08e5bbd1149b64b308f5d9a6413 --- /dev/null +++ b/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 diff --git a/chunks/txt/1b4d03665737a43c3ba266e4efe08b76085198231a7a926eae74c2933c97611a.txt b/chunks/txt/1b4d03665737a43c3ba266e4efe08b76085198231a7a926eae74c2933c97611a.txt new file mode 100644 index 0000000000000000000000000000000000000000..48b7ad1a5d4b9938d193f143f6697e53e92d8dc1 --- /dev/null +++ b/chunks/txt/1b4d03665737a43c3ba266e4efe08b76085198231a7a926eae74c2933c97611a.txt @@ -0,0 +1,3 @@ +Data Sources ............................................................................................................................................................................................................................................ 60 + +Cost Approach .......................................................................................................................................................................................................................................... 60 diff --git a/chunks/txt/1b501bf99687a20efec8a382afa693460f499f1d3e881f36767b3c1a7f413dca.txt b/chunks/txt/1b501bf99687a20efec8a382afa693460f499f1d3e881f36767b3c1a7f413dca.txt new file mode 100644 index 0000000000000000000000000000000000000000..09e3baee3dad890c0bc6e2956e39b6514d6a55b2 --- /dev/null +++ b/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. diff --git a/chunks/txt/1b5a0eb269ca2ca5a3401a84796d9d712e4d09375da35baf2e5739ebc9a164ba.txt b/chunks/txt/1b5a0eb269ca2ca5a3401a84796d9d712e4d09375da35baf2e5739ebc9a164ba.txt new file mode 100644 index 0000000000000000000000000000000000000000..0b72cf10d2e63da22cebf65934fe9d16901a0ee5 --- /dev/null +++ b/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. diff --git a/chunks/txt/1b809312f25f8637ebfe37c1dbfcfe65cb973aeae4dacc0c1f2cb69cc1001619.txt b/chunks/txt/1b809312f25f8637ebfe37c1dbfcfe65cb973aeae4dacc0c1f2cb69cc1001619.txt new file mode 100644 index 0000000000000000000000000000000000000000..f4ea8777fd8ef45027b8d4246aa94946f267cf2b --- /dev/null +++ b/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 diff --git a/chunks/txt/1b884b208e37a0eb92198481b5b5f636f340d29a0285797466f17daa1a27b208.txt b/chunks/txt/1b884b208e37a0eb92198481b5b5f636f340d29a0285797466f17daa1a27b208.txt new file mode 100644 index 0000000000000000000000000000000000000000..5204d16456fdc742f9df0140f6526fbaa65dee10 --- /dev/null +++ b/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. diff --git a/chunks/txt/1ba2d641c996803f1036e74c737a313fddb6ae5e10188a20cec065aad3a56726.txt b/chunks/txt/1ba2d641c996803f1036e74c737a313fddb6ae5e10188a20cec065aad3a56726.txt new file mode 100644 index 0000000000000000000000000000000000000000..97dc46a462c1e5d37a8f562282b66493c4a06012 --- /dev/null +++ b/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. diff --git a/chunks/txt/1ba4b8fd8fa99773c1c1df11339d4a9954371678a415241bc5491c42c6e8122f.txt b/chunks/txt/1ba4b8fd8fa99773c1c1df11339d4a9954371678a415241bc5491c42c6e8122f.txt new file mode 100644 index 0000000000000000000000000000000000000000..d3dc179fc3804596328859c6aee2bd1fe3a4c758 --- /dev/null +++ b/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 diff --git a/chunks/txt/1bc965a121410bc50c8fab0ae760fffa71330803e9ab400443565349cf4b3e8b.txt b/chunks/txt/1bc965a121410bc50c8fab0ae760fffa71330803e9ab400443565349cf4b3e8b.txt new file mode 100644 index 0000000000000000000000000000000000000000..a3c6c4458d7018a6c04f539b0b777e30b75b7890 --- /dev/null +++ b/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. diff --git a/chunks/txt/1bce47d768160cb3f8fc3ceaa5625d4bffe3748f947fe0bd4453f0aa2a2190ef.txt b/chunks/txt/1bce47d768160cb3f8fc3ceaa5625d4bffe3748f947fe0bd4453f0aa2a2190ef.txt new file mode 100644 index 0000000000000000000000000000000000000000..7c4b3b30b75ed8e6f0e316e321f03676b9a71746 --- /dev/null +++ b/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 diff --git a/chunks/txt/1bd8c99b5d53b81d072a0e67c443dfe5df8deef0d9cce6ba083c9e196ebd423a.txt b/chunks/txt/1bd8c99b5d53b81d072a0e67c443dfe5df8deef0d9cce6ba083c9e196ebd423a.txt new file mode 100644 index 0000000000000000000000000000000000000000..94f51d4258dd7598431b17340e19a442378b26a6 --- /dev/null +++ b/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 diff --git a/chunks/txt/1bdf78e39e1c6a230b21924c0762a33204abe0afa8601971cb813bff9b318357.txt b/chunks/txt/1bdf78e39e1c6a230b21924c0762a33204abe0afa8601971cb813bff9b318357.txt new file mode 100644 index 0000000000000000000000000000000000000000..bdbfa04053ba6bbe14897ae53d1ee9ae6c01a93d --- /dev/null +++ b/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. diff --git a/chunks/txt/1be0645468ae39d6205fc418c86fc82c10e48132abaa70455d48d60002671535.txt b/chunks/txt/1be0645468ae39d6205fc418c86fc82c10e48132abaa70455d48d60002671535.txt new file mode 100644 index 0000000000000000000000000000000000000000..1ae3cba66f02d84ef61d32902df92961ee876d80 --- /dev/null +++ b/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) diff --git a/chunks/txt/1be2f33465a7b3a712b5e92405b32841ef122a44b726e8bbe9343f9f6ed6eade.txt b/chunks/txt/1be2f33465a7b3a712b5e92405b32841ef122a44b726e8bbe9343f9f6ed6eade.txt new file mode 100644 index 0000000000000000000000000000000000000000..4bc7666c3d3c5bb63b854e72a0bf6b97682c7107 --- /dev/null +++ b/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.) diff --git a/chunks/txt/1be722c233eb4ae9b770b2e92101ef7a233e35160ef9eb55be4be3be2716539c.txt b/chunks/txt/1be722c233eb4ae9b770b2e92101ef7a233e35160ef9eb55be4be3be2716539c.txt new file mode 100644 index 0000000000000000000000000000000000000000..5ce9968b0dac407c3d2ed3a540d2bf583a3bd769 --- /dev/null +++ b/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 diff --git a/chunks/txt/1bef287a2b7a581c1afdcfad14cbf3a7a5016ccb7c9e0667e0885fb92b860e88.txt b/chunks/txt/1bef287a2b7a581c1afdcfad14cbf3a7a5016ccb7c9e0667e0885fb92b860e88.txt new file mode 100644 index 0000000000000000000000000000000000000000..df8555cd281898dc211d6d187a78fcf362622bc0 --- /dev/null +++ b/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 diff --git a/chunks/txt/1bf429779527dc2df0f44613bef1e7356059265364cbb160a6b52df541ca50ea.txt b/chunks/txt/1bf429779527dc2df0f44613bef1e7356059265364cbb160a6b52df541ca50ea.txt new file mode 100644 index 0000000000000000000000000000000000000000..294b2dbc77e27d56c5ef80d2610e100b281fd127 --- /dev/null +++ b/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. diff --git a/chunks/txt/1c022d22cc5cb217474885998b45939f4155e7a917f45afeb34461b6ad149dc2.txt b/chunks/txt/1c022d22cc5cb217474885998b45939f4155e7a917f45afeb34461b6ad149dc2.txt new file mode 100644 index 0000000000000000000000000000000000000000..87e557af8bf84fb6879d209a34d01adfeeb2f468 --- /dev/null +++ b/chunks/txt/1c022d22cc5cb217474885998b45939f4155e7a917f45afeb34461b6ad149dc2.txt @@ -0,0 +1,209 @@ +/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='P +ropertyCondition']/@_Comment + +4000 + +String + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +UNIT +IMPROVEMENTS + +Are there any physical deficiencies or +adverse conditions that affect the +livability, soundness, or structural +integrity of the property? +Yes + +Property Analysis +Exists Indicator + +Indicates that the aspect of analysis is +present in the property. + +/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='P +hysicalDeficiency' and @_ExistsIndicator='Y'] + +1 + +Boolean + +One and only one of fields 2-91, 2-92 +(Property Analysis Type = +'PhysicalDeficiency' and values of Property +Analysis Exists Indicator) should be +indicated. + +R + +R + +T + +T + +T + +T + +R + +R + +T + +Form FNM 1075 FRE 466 +Appendix B: GSE Appraisal Forms Mapping + +Page 148 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +295 + +296 + +297 + +298 + +299 + +300 + +301 + +302 + +303 + +304 + +305 + +306 + +307 + +308 + +309 + +310 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +92 + +93 + +94 + +95 + +96 + +97 + +98 + +99 + +100 + +101 + +102 + +103 + +104 + +105 + +106 + +107 + +UNIT +IMPROVEMENTS + +UNIT +IMPROVEMENTS + +Are there any physical deficiencies or +adverse conditions that affect the +livability, soundness, or structural +integrity of the property? +No + +Are there any physical deficiencies or +adverse conditions that affect the +livability, soundness, or structural +integrity of the property? +If Yes, describe diff --git a/chunks/txt/1c0e995092873d20432e5cf2f63ea93c229020eca804626c7c6d8c2e2a14cf59.txt b/chunks/txt/1c0e995092873d20432e5cf2f63ea93c229020eca804626c7c6d8c2e2a14cf59.txt new file mode 100644 index 0000000000000000000000000000000000000000..f6e8542d176865877a94ecdc2f235c8c6ef73cce --- /dev/null +++ b/chunks/txt/1c0e995092873d20432e5cf2f63ea93c229020eca804626c7c6d8c2e2a14cf59.txt @@ -0,0 +1,72 @@ +“Exterior Quality and Condition” sets as TB-SCA_H2 + +“Structure ID,” “Quality” set as TB-B, content sets TB-B + +o “Exterior Walls and Trim,” “Foundation,” “Roof,” “Windows,” “[Other Exterior Feature]” set as + +TB-I + +• + +“Condition” sets as TB-B, content sets TB-B + +o “Exterior Walls and Trim,” “Foundation,” “Roof,” “Windows,” “[Other Exterior Feature]” set as + +TB-I + +• + +• + +“Interior Quality and Condition” sets as TB-SCA_H2 + +“Structure ID | Unit ID,” “Quality” set as TB-B, content sets TB-B + +o “Kitchen,” “Overall Bathrooms,” “Overall Flooring,” “Walls and Ceiling,” “[Other Interior + +Feature]” set as TB-I + +• + +“Condition” sets as TB-B, content sets TB-B + +Appendix E: Report Style Guide + +Page 62 of 90 + +Version 1.4 + +o “Kitchen,” “Overall Bathrooms,” “Overall Flooring,” “Walls and Ceiling,” “[Other Interior + +Feature]” set as TB-I + +• + +• + +“ADU Interior Quality and Condition” sets as TB-SCA_H2 + +“Location of ADU,” “Quality” set as TB-B, content sets TB-B + +o “Kitchen,” “Overall Bathrooms,” “Overall Flooring,” “Walls and Ceiling,” “[Other Interior + +Feature]” set as TB-I + +• + +“Condition” sets as TB-B, content sets TB-B + +o “Kitchen,” “Overall Bathrooms,” “Overall Flooring,” “Walls and Ceiling,” “[Other Interior + +Feature]” set as TB-I + +Overall Quality and Condition (Ratings: 1-6, 1 is highest) + +• + +• + +“Overall Quality and Condition (Ratings: 1-6, 1 is highest)” sets as +TB-SCA_sub-H1 + +“Quality” “Condition” sets as TB-B diff --git a/chunks/txt/1c10d48544756f35b83a4db721159bc8c01192f42ba505b0a665936a65cb038c.txt b/chunks/txt/1c10d48544756f35b83a4db721159bc8c01192f42ba505b0a665936a65cb038c.txt new file mode 100644 index 0000000000000000000000000000000000000000..79545b83f8f60893a88c084bcc2fb95b1e63ee10 --- /dev/null +++ b/chunks/txt/1c10d48544756f35b83a4db721159bc8c01192f42ba505b0a665936a65cb038c.txt @@ -0,0 +1,166 @@ +Origin of Information +(Section) + +Definition / Additional Guidance + +Summary + +1.000 + +N/A + +Always displays + +Subject Property +• + +Property Address +3.000 + +Property Address: Physical address of the property +being appraised. + +Free-form, in format +that conforms to +address standards in +USPS Publication 28, +Postal Addressing +Standards + +1.001 + +Opinion of +Market Value + +Always displays + +Dollar amount + +1.085 + +(Cooperative +Interest) + +N/A + +Displays next to +Opinion of Market +Value when the +property is in a +cooperative or +condop + +Reconciliation +• + +Opinion of +Market Value +26.007 + +Reconciliation +• + +(Cooperative +Interest) 26.074 + +Market value as defined in the report. + +1.009 Market Value + +Always displays + +Condition + +Displays one or more +allowable answers +from the Definition / +Additional Guidance +column + +Reconciliation +• Market Value + +Condition 26.009 + +• +• +• +• + +As Is +Subject to Completion Per Plans +Subject to Inspection +Subject to Repair + +Appendix F-1: URAR Reference Guide + +Page 25 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +01 Summary + +Report Label + +When Displayed in +Summary Section + +Allowable Answers / +Format + +Origin of Information +(Section) + +Definition / Additional Guidance + +Summary + +Report +Field ID + +1.002 + +Final Value +Condition +Statement + +N/A + +Displays when +Market Value +Condition is not As +Is + +1.003 + +Effective Date of +Appraisal + +Always displays + +mm/dd/yyyy + +Reconciliation +• + +Final Value +Condition +Statement +26.013 + +Reconciliation +• + +Effective Date of +Appraisal 26.011 + +Variations of this sentence display based on the value +condition(s) provided in Market Value Condition. + +The date to which the appraiser’s analyses, opinions, +and conclusions apply; also referred to as date of +value. Reference published guidelines by the GSEs, +government agencies, or other identified secondary +market participants for specific guidance. diff --git a/chunks/txt/1c10d6e66bef62819ec9333f433dfc5dcfe1924d1b162a065e18265cbc28293a.txt b/chunks/txt/1c10d6e66bef62819ec9333f433dfc5dcfe1924d1b162a065e18265cbc28293a.txt new file mode 100644 index 0000000000000000000000000000000000000000..1f20acbe224b16e6d22c64760f27ef1669682c76 --- /dev/null +++ b/chunks/txt/1c10d6e66bef62819ec9333f433dfc5dcfe1924d1b162a065e18265cbc28293a.txt @@ -0,0 +1,135 @@ +Date of Contract 45 + +47 + +50 + +46 + +49 + +Note: Race and the racial composition of the neighborhood are not appraisal factors. + +One-Unit Housing Trends + +Present Land Use % + +Neighborhood Characteristics +Location Urban +52 + Over 75% +Built-Up +55 + Rapid +Growth +58 +Neighborhood Boundaries 82 + +Suburban +53 + 25–75% +56 + Stable +59 + +Rural +Property Values Increasing +54 + Under 25% Demand/Supply Shortage +57 + Slow +Marketing Time +60 + +64 + Under 3 mths 3–6 mths +67 + +Declining + Stable +63 +62 + In Balance Over Supply +65 +66 + Over 6 mths +68 +69 + +61 + +One-Unit Housing +AGE +PRICE +$ (000) +(yrs) +70 Low 73 Multi-Family +Commercial +71 High 74 +Other +72 Pred. 75 + +One-Unit +2-4 Unit + +76 % +77 % +78 % +79 % +81 % + +Neighborhood Description 83 + +Market Conditions (including support for the above conclusions) 84 + +Dimensions 85 +Specific Zoning Classification 89 +Zoning Compliance Legal Legal Nonconforming (Grandfathered Use) No Zoning Illegal (describe) 95 +93 +92 +Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use? Yes No If No, describe 98 + +Area 86 +Zoning Description 90 + +View e-5; e-6; e-7 + +Shape 87 + +96 + +91 + +94 + +97 + +99 + +102 + +101 + 100 + 104 + 103 + +Public Other (describe) + +Utilities +Water +Electricity +Sanitary Sewer +Gas +FEMA Special Flood Hazard Area Yes No FEMA Flood Zone +117 +Are the utilities and off-site improvements typical for the market area? Yes No If No, describe 124 +123 +Are there any adverse site conditions or external factors (easements, encroachments, environmental conditions, land uses, etc.)? Yes No If Yes, describe +127 + +Public Other (describe) + 107 + 106 + 110 + 109 +FEMA Map # 120 diff --git a/chunks/txt/1c1b8d510ae557439191aab8d67125c9d9383ed2bf1172acf7b64b2223d673b5.txt b/chunks/txt/1c1b8d510ae557439191aab8d67125c9d9383ed2bf1172acf7b64b2223d673b5.txt new file mode 100644 index 0000000000000000000000000000000000000000..bb3b89e66b81c9bccb93b56ce6512aeb234df45a --- /dev/null +++ b/chunks/txt/1c1b8d510ae557439191aab8d67125c9d9383ed2bf1172acf7b64b2223d673b5.txt @@ -0,0 +1,109 @@ +19 + +Enumerated + +302 + +2 + +e-7 + +SALES +COMPARISON +APPROACH + +View + +(View Type Other Description) + +GSE View Type +Other Description + +The type of view associated with the +property if other is selected. + +303 + +304 + +305 + +2 + +2 + +2 + +65 + +66 + +67 + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +View Adjustment + +Sale Price +Adjustment Amount + +Design (Style) + +Sale Price +Adjustment +Description + +Design (Style) 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.) + +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_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM +PARISON_VIEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETA +IL_EXTENSION_SECTION[@ExtensionSectionOrganizationName='UNIF +ORM APPRAISAL +DATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_ +DATA/COMPARISON_VIEW_DETAIL[@GSEViewType='Other']/@GSE +ViewTypeOtherDescription + +20 + +String + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SAL +E_PRICE_ADJUSTMENT[@_Type='View']/@_Amount + +10 + +Money + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SAL +E_PRICE_ADJUSTMENT[@_Type='DesignStyle']/@_Description diff --git a/chunks/txt/1c4556455d3e6186aa215f664e24719071478267741e1116c46330771d04b50b.txt b/chunks/txt/1c4556455d3e6186aa215f664e24719071478267741e1116c46330771d04b50b.txt new file mode 100644 index 0000000000000000000000000000000000000000..b8b0d52ce5a45f73c47f30ffa55cbe4b12bc03b5 --- /dev/null +++ b/chunks/txt/1c4556455d3e6186aa215f664e24719071478267741e1116c46330771d04b50b.txt @@ -0,0 +1,213 @@ +AssessorRecord + +MLS + +PhysicalMeasurement + +PropertyManagementCompany + +XXXXX + +MLS + +This Area MLS + +1234 Anywhere Pl + +Anywhere + +River + +20854 + +MD + +648 + +BuiltIn + +Garage + +2 + +false + +None + +false + +false + +false + +None + +None + +284 + +Monthly + +AssociationDues + +None + +AssociationSpecialAssessment + +None + +false + +true + +true + +Dwelling + +false + +2016 + +false + +None + +Carpet + +Materials have minimal depreciation and appear to be well-maintained. + +TypicalWearAndTear + +High grade wool + +CeramicTile + +Materials have minimal depreciation and appear to be well-maintained. + +TypicalWearAndTear + +Hardwood + +Materials have minimal depreciation and appear to be well-maintained. + +TypicalWearAndTear + +Hardwood includes Brazilian Cherry + +Marble + +Materials have minimal depreciation and appear to be well-maintained. + +TypicalWearAndTear + +Flooring + +NotUpdated + +Materials have minimal depreciation and appear to be well-maintained. + +TypicalWearAndTear + +WallsAndCeiling + +EightFeet + +NineFeet + +TenFeetAndAbove + +Flat + +Vaulted + +InteriorAndExteriorAccess + +WalkOut + +PartiallyBelowGrade + +720 + +BelowGradeOne + +72 + +AboveGrade + +1248 + +LevelOne + +0 + +AboveGrade + +1224 + +LevelTwo + +0 + +AboveGrade + +836 + +LevelThree + +0 + +0 + +72 + +0 + +0 + +3308 + +720 + +false + +5 + +4 + +1 + +C3 + +Q2 + +4 + +NotUpdated + +Similar + +false + +Vacant + +Subject features vaulted ceiling on the third level and extensive trim throughout second level. The subject is a 3 year old structure, all interior items are original therefore the overall status is considered not updated. + +\\Images\SF2_Den.png + +image/png + +BelowGradeOne + +Den + +BelowGradeOne + +Bedroom + +Bath 1 + +\\Images\SF2_Bath1.png + +image/png + +BelowGradeOne diff --git a/chunks/txt/1c465d3533370eba72b61009c98637f5fc140335300e55d7a86ad6580d483300.txt b/chunks/txt/1c465d3533370eba72b61009c98637f5fc140335300e55d7a86ad6580d483300.txt new file mode 100644 index 0000000000000000000000000000000000000000..b7f7f9c98cab06e0ef9020745b5897ce3d4c9117 --- /dev/null +++ b/chunks/txt/1c465d3533370eba72b61009c98637f5fc140335300e55d7a86ad6580d483300.txt @@ -0,0 +1,63 @@ +Fannie Mae and Freddie Mac + +MISMO® V3.0 and the Uniform Loan +Delivery Data Specification: + +User Guide + +Document Version 1.1 + +Revised Version: March 29, 2011 + +©2011 Fannie Mae and Freddie Mac. All rights reserved. + +Document Updates +MISMO® V3.0 and the Uniform Loan Delivery Data Specification: User Guide (User Guide) is +published by government-sponsored enterprises Fannie Mae and Freddie Mac (the GSEs) in +connection with the Uniform Mortgage Data Program, which is undertaken by the GSEs at the +direction of their regulator, the Federal Housing Finance Agency (FHFA). Updates to this User +Guide and to other development and implementation documentation associated with the UMDP +are at the following Web sites: + +For more information about Fannie Mae’s +single-family mortgage business solutions and +doing business with us, visit eFannieMae.com. + +Fannie Mae provides the latest single-family +mortgage business news via e-mail. To receive +notification of future document updates, sign up +for Fannie Mae’s single-family alerts at +https://www.efanniemae.com/lc/newsletters/. + +For recent news and communications +relating to Freddie Mac’s Single-Family +business, visit our Single-Family News +Center at +www.FreddieMac.com/singlefamily/news/ + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page ii of 76 + +Document Version and Revision History + +Table i. Document and Revision Updates. + +Date + +Version Number Description + +January 26, 2011 + +March 29, 2011 + +1.0 + +1.1 + +Initial version + +Minor formatting revisions; updates to +index. diff --git a/chunks/txt/1c46eb32e9f7c78d6cab482a77363f6df233269ee1d2e37cb9e53aa2713fbeca.txt b/chunks/txt/1c46eb32e9f7c78d6cab482a77363f6df233269ee1d2e37cb9e53aa2713fbeca.txt new file mode 100644 index 0000000000000000000000000000000000000000..512ad9d6fa4d104885a66ee3741b101e85bfa367 --- /dev/null +++ b/chunks/txt/1c46eb32e9f7c78d6cab482a77363f6df233269ee1d2e37cb9e53aa2713fbeca.txt @@ -0,0 +1,125 @@ +Check #A + +Search Result Metrics + +Active Listings + +Median Days on Market +Lowest List Price +Median List Price +Highest List Price + +Pending Sales + +5 +30 +$460,000 +$580,000 +$675,000 +0 + +Sales in Past 12 Months + +Lowest Sale Price +Median Sale Price +Highest Sale Price + +Distressed Market Competition +Graph +Price Trend Source + +15 +$360,000 +$448,500 +$699,000 +No +Price Trend +Big Data Price Trends, Inc. + +Price Trend Analysis Commentary A price trend analysis of the MLS data for the past year for 1-2 bedroom co-ops in this market area is +stable with no discernible movement in prices, exhibiting economic equilibrium. + +Housing Trends + +Demand/Supply + +In Balance + +Marketing Time + +Under 3 months + +Appraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 9 of 18 +Page 9 of 18 + +Market (continued) + +Market Exhibits + +Price Trend + +This is where the Price Trend graph would display. + +Project Information + +Planned Unit Development (PUD)  + +Condominium  + +Cooperative  + +Condop  + +Project Name +Project Information Data Source Property Management + +XYZ Apartments + +Project Completeness + +Total Units +Units Sold +Units for Sale +Units Rented + +Company +126 +120 +1 +5 + +Mandatory Fees (HOA, PUD, or Co-op) + +Monthly Amount +Common Amenities/ +Services Included + +Utilities Included + +$2,631 + +Inground Pool +Theater +Electricity +Gas +Sanitary Sewer +Water + +Observed Deficiencies + +Yes No +  + +Are units, common areas, and amenities in project +complete? +Subject Property Building Complete +Converted in Past 3 Years + +Ground Rent + +Annual Amount +Expires diff --git a/chunks/txt/1c56d139967d97362f8d424cbd46947962023ac4d2349d5a2596471376824e4d.txt b/chunks/txt/1c56d139967d97362f8d424cbd46947962023ac4d2349d5a2596471376824e4d.txt new file mode 100644 index 0000000000000000000000000000000000000000..257c572d6fb48191a3baee8bb8449efffcb076ba --- /dev/null +++ b/chunks/txt/1c56d139967d97362f8d424cbd46947962023ac4d2349d5a2596471376824e4d.txt @@ -0,0 +1,39 @@ +HomeStyle Renovation mortgages are eligible for enforcement relief of underwriting and eligibility representations and +warranties as described in Selling Guide A2-3.2-02, Enforcement Relief for Breaches of Certain Representations and Warranties +Related to Underwriting and Eligibility. To be eligible for relief, the renovation must be complete and recourse removed. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 175 of 166 + +UAD 3.6 Policy + +SB5-3.2-05, HomeStyle Renovation Mortgages: Completion Report +(06/04/2025) + +Introduction + +This topic contains information on the HomeStyle Renovation mortgage including: + +• Completion Report +• + +Title and Insurance Updates + +Completion Report + +Following completion of the renovation work, the lender must obtain a Completion Report stating the renovation was completed +in accordance with the submitted plans and specifications. The Completion Report must confirm all “subject to” items listed on +the appraisal report were completed. If deviations have been made to the initial plans, the appraiser must note any changes in +the Completion Report Commentary. If the value has been impacted, the lender must follow the policy in Unplanned Changes in +Scope or Incomplete Work in Selling Guide B5-3.2-03, HomeStyle Renovation Mortgages: Collateral Considerations. The lender +must also obtain a certificate of occupancy upon completion of renovation if it is required by local authorities for the type of +renovation work that was completed. + +Title and Insurance Updates + +Concurrent with the last disbursement of funds, the lender must obtain a title update through the date the renovation was +completed to ensure the continuance of Fannie Mae’s first lien priority and the absence of any mechanic's or materialmen’s liens. +When the property is located in a state in which contractor’s, subcontractor’s, or materialmen’s liens have priority over mortgage +liens, the lender must obtain all necessary lien releases or take any other action that may be required to ensure title to the +property is clear of all liens and encumbrances. diff --git a/chunks/txt/1c5e5184a627a133498d6e59dc4726cb482aed9012a767dd18c1c3e36556b971.txt b/chunks/txt/1c5e5184a627a133498d6e59dc4726cb482aed9012a767dd18c1c3e36556b971.txt new file mode 100644 index 0000000000000000000000000000000000000000..920cd072e93dbe25fb5bd6f3b991616d0b005911 --- /dev/null +++ b/chunks/txt/1c5e5184a627a133498d6e59dc4726cb482aed9012a767dd18c1c3e36556b971.txt @@ -0,0 +1,82 @@ +When to Include + +Required if the +property is in a +cooperative or condop + +Allowable +Answers / Format + +Number + +Definition / Additional Guidance + +Greatest Number of Shares Owned: The greatest number of shares owned by a +single entity in the cooperative project. + +Required if the +property is in a +cooperative or condop + +Adverse, +Beneficial, or +Neutral + +Required if Impact is +Adverse or Beneficial, +or as needed + +Free-form + +When Adverse or Beneficial, describe the impact to value and / or +marketability. Additional commentary may be provided to include details and +other information. If there are multiple individuals or entities that own a +significant number of shares which impacts marketability within the project, +describe here. + +Note: For further expansion of commentary, use Project Factors Commentary +(18.094). + +Report +Field ID + +18.068 + +18.078 + +18.088 + +Single Entity +Ownership of +Multiple Shares +(Detail) + +Single Entity +Ownership of +Multiple Shares +(Impact) + +Single Entity +Ownership of +Multiple Shares +(Comment) + +Appendix F-1: URAR Reference Guide + +Page 194 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +18 Project Information + +Commercial Space + +The Commercial Space row displays in the Project Factors table if the property is in a condominium, cooperative, +or condop, and addresses commercial space in project buildings. +• When Site Owned in Common (3.015) is Yes, non-residential use such as Live / Work space in the living unit + +is reported in the Unit Interior section (10.026-10.028). + +• When Site Owned in Common is No, non-residential uses are reported in the Site section (4.015-4.019 and diff --git a/chunks/txt/1c6e82406f388642f85dd5c483b1d617b8c346801c971216a31afc365ca9598e.txt b/chunks/txt/1c6e82406f388642f85dd5c483b1d617b8c346801c971216a31afc365ca9598e.txt new file mode 100644 index 0000000000000000000000000000000000000000..122faba8375ee9af96bf44db7c0bdf7e7a656b4a --- /dev/null +++ b/chunks/txt/1c6e82406f388642f85dd5c483b1d617b8c346801c971216a31afc365ca9598e.txt @@ -0,0 +1,44 @@ + does not have a demand feature. + +17.3 Late Payment +If your payment is more than n days late, your lender will charge a +late fee of $ OR % of the indicated amount. + +17.4 Negative Amortization (Increase in Loan Amount) +Under your loan terms, you + are scheduled to make monthly payments that do not pay all of +the interest due that month. As a result, your loan amount will +increase (negatively amortize), and your loan amount will likely +become larger than your original loan amount. Increases in your +loan amount lower the equity you have in this property. + + may have monthly payments that do not pay all of the interest +due that month. If you do, your loan amount will increase +(negatively amortize), and, as a result, your loan amount may +become larger than your original loan amount. Increases in your +loan amount lower the equity you have in this property. + + do not have a negative amortization feature. + +17.5 Partial Payments +Your lender + may accept payments that are less than the full amount due + +(partial payments) and apply them to your loan. + + may hold them in a separate account until you pay the rest of +the payment, and then apply the full payment to your loan. + + does not accept any partial payments. +If this loan is sold, your new lender may have a different policy. + +17.6 Security Interest +You are granting a security interest in +Property Address +You may lose this property if you do not make your payments or +satisfy other obligations for this loan. + +account) to pay the property costs listed below. Without an +escrow account, you would pay them directly, possibly in one or +two large payments a year. Your lender may be liable for penalties +and interest for failing to make a payment. diff --git a/chunks/txt/1c75956d922ea8e7854853494b02811443d88f20523b00df8d939643585a1821.txt b/chunks/txt/1c75956d922ea8e7854853494b02811443d88f20523b00df8d939643585a1821.txt new file mode 100644 index 0000000000000000000000000000000000000000..11c05a7efacf3b93c585e66f40f7c6db54876929 --- /dev/null +++ b/chunks/txt/1c75956d922ea8e7854853494b02811443d88f20523b00df8d939643585a1821.txt @@ -0,0 +1,43 @@ +Atypical Properties Mapping with Property Characteristics ............................................................................................................................................................................................................................................ 10 + +Revision History + +Date + +Version Number + +Change # + +Revision Description + +06/10/2025 + +06/11/2024 + +1.1 + +1.0 + +2025-057 + +Updated the Legacy Forms Mapping for Subject Site Owned in Common and Atypical properties to remove references +to Detached Condo. + +Initial Publication + +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. + +2 + +Introduction + +This document highlights six of the new UAD data points that drive the property type for the redesigned Uniform Residential Appraisal Report (URAR). With the new URAR, the data that +describes the subject property drives the appraisal report, not a form type/number. + +Purpose + +Use this document to: + +• Help understand how the URAR’s dynamic structure along with discrete and repeatable data replaces the legacy form numbers. +• Assist with transitioning to the redesigned report. diff --git a/chunks/txt/1c7a2214ba571ea4b146d5a6cc4659af8827893e4ace70d09480592881bc35a8.txt b/chunks/txt/1c7a2214ba571ea4b146d5a6cc4659af8827893e4ace70d09480592881bc35a8.txt new file mode 100644 index 0000000000000000000000000000000000000000..08521ced59187bb26f4a61672a02e8a9c565d3e9 --- /dev/null +++ b/chunks/txt/1c7a2214ba571ea4b146d5a6cc4659af8827893e4ace70d09480592881bc35a8.txt @@ -0,0 +1,61 @@ +[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 + +#### Search & Filter + +Keyword + +Date Range From: + +To: + +Type FHFA Insights + +FHFA Statistics Items per page 10 25 50 + +## Search & Filter + +Keyword + +Date Range From: + +To: + +Type FHFA Insights + +FHFA Statistics Items per page 10 25 50 + +# Blogs + +- FHFA Statistics + +January 8, 2025 + +## [The COVID-19 Pandemic Migration and Enterprise Acquisitions of Manufactured Home Loans](/blog/statistics/the-covid-19-pandemic-migration-and-enterprise-acquisitions-of-manufactured-home-loans) diff --git a/chunks/txt/1c7f639b93f088925e3412e3f0c936fbf502c01fc781d16d0bbaed62cb06ffe0.txt b/chunks/txt/1c7f639b93f088925e3412e3f0c936fbf502c01fc781d16d0bbaed62cb06ffe0.txt new file mode 100644 index 0000000000000000000000000000000000000000..90be2186ee9dd3f8b3c239eb05e9258a82986932 --- /dev/null +++ b/chunks/txt/1c7f639b93f088925e3412e3f0c936fbf502c01fc781d16d0bbaed62cb06ffe0.txt @@ -0,0 +1,18 @@ +Comparable sales from within the same market area (including subdivision or project) as the subject property should be used +when possible, and must be used in certain instances (see below). Sale activity within the immediate market area is the best +indicator of value, as sales prices of comparable properties from the same location should reflect the same positive and negative +location characteristics. + +Fannie Mae does allow for the use of comparable sales located in competing market areas, as these may simply be the best +comparables available and the most appropriate for the appraiser’s analysis. If this situation arises, the appraiser must not +expand the market area boundaries just to encompass the comparables selected. The appraiser must indicate the comparables +are from a competing market area and address any differences that exist. The appraiser must also provide an explanation as to +why they used the specific comparable sales in the appraisal report and include a discussion of how the competing market area is +comparable to the subject's market area. + +If a property is located in an area in which there is a shortage of truly comparable sales, either because of the nature of the +property improvements or the relatively low number of sales transactions in the market area, the appraiser might need to use +properties that are not truly comparable to the subject property. In some situations, properties that are not truly comparable may +simply be the best available and the most appropriate for the appraiser’s analysis. The use of such sales is acceptable if the +appraiser adequately documents the analysis and explains why they were used. (For additional information, see SB4-1.3-03, +Market Section of the Uniform Residential Appraisal Report.) diff --git a/chunks/txt/1c8468637fdc31c90193f731d63ae94107104d5f179e75f84c310100862070e0.txt b/chunks/txt/1c8468637fdc31c90193f731d63ae94107104d5f179e75f84c310100862070e0.txt new file mode 100644 index 0000000000000000000000000000000000000000..e1f8700882f8cce83eccb87588b036eb252ceb38 --- /dev/null +++ b/chunks/txt/1c8468637fdc31c90193f731d63ae94107104d5f179e75f84c310100862070e0.txt @@ -0,0 +1,34 @@ +Section 2: Financial Information – Assets and Liabilities +This section is used to provide information on the borrower’s assets, debts, and expenses that will be +considered when qualifying the borrower for the loan. Regardless of how many times shared assets and +liabilities may be listed on the redesigned Form 1003, when submitting shared assets and liabilities in the +Loan Application Submission file they should only be submitted once. + +2a. Assets – Bank Accounts, Retirement, and Other Accounts You Have + +Borrowers that have liquid asset accounts will identify the type, the financial institution, the account number +and indicate a cash or market value per account. The list provided in the redesigned Form 1003 should be +used as a reference to help borrowers complete this section. DU will calculate the total based on the +information provided on this table. + +2b. Other Assets and Credits You Have + +Borrowers can identify other non-account assets and credits such as earnest money, cash from the expected +sale of an asset or real estate property, etc. DU will accept credit amounts as valid sources of borrower +funds to close a mortgage loan transaction (i.e., Lease Purchase Funds, Sweat Equity, Trade Equity from +Property Swap, etc.). DU will calculate the total based on the information provided on this table. + +DU Spec Implementation Guide + +Fannie Mae Proprietary & Confidential + +24 + +2c. Liabilities – Credit Cards, Other Debts, and Leases that You Owe + +Borrowers with liabilities such as Installments loans, Leases (other than Real Estate), and Revolving +Accounts (i.e., Credit Cards, Open 30-Day) will report outstanding balances in this section. If a liability +with an associated unpaid balance is reported, DU will expect to find information about the corresponding +type of account such as Creditor name, account number and monthly payment. DU has the ability to auto +populate liabilities from the credit report, which lenders can decide to accept or not. DU expects that +liabilities with a zero balance, such as an Open 30-Day account paid monthly, to be reported. diff --git a/chunks/txt/1c93ea4f84d6b739c49b9e1d466ace678172606dab013044fe670aaa47d6fc60.txt b/chunks/txt/1c93ea4f84d6b739c49b9e1d466ace678172606dab013044fe670aaa47d6fc60.txt new file mode 100644 index 0000000000000000000000000000000000000000..99e1a134a8e8454214b925d505798a66b2145724 --- /dev/null +++ b/chunks/txt/1c93ea4f84d6b739c49b9e1d466ace678172606dab013044fe670aaa47d6fc60.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/contact" +date_accessed: "2026-01-27T17:47:54.708Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/1caab6166ed1c1226e549532fd8583b886f70868080a31d079637fafa36faf2e.txt b/chunks/txt/1caab6166ed1c1226e549532fd8583b886f70868080a31d079637fafa36faf2e.txt new file mode 100644 index 0000000000000000000000000000000000000000..33a9e649c531d4644525584d79b48358523d113f --- /dev/null +++ b/chunks/txt/1caab6166ed1c1226e549532fd8583b886f70868080a31d079637fafa36faf2e.txt @@ -0,0 +1,125 @@ +Certified General +987654HI +HI +12/31/2021 + +Assignment Information and Scope of Work Commentary + +Additional commentary can be added here, if needed by Appraiser. + +Subject Property + +Physical Address + +County +Neighborhood Name + +12345 Holiday Hwy +Surfside, HI 12345 +Hawaii +Hawaiian Vista + +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 + +Attachment Type +Units Excluding ADUs +Accessory Dwelling Units +Dwellings Containing Units +Special Tax Assessments + +Detached +2 +0 +2 +No + +Property Rights Appraised + +Fee Simple + +All Rights Included in Appraisal + +Rights Not Included + +No +Mineral Rights + +Description of Rights Not Included All mineral rights are held by +the state of Hawaii. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 3 of 29 +Page 3 of 29 + +Subject Property (continued) + +Legal Description + +Lot 4, Block 35, Hawaiian Vista + +Subject Property Commentary + +Additional commentary can be added here, if needed by Appraiser. + +Site + +Total Site Size + +11,997 Sq. Ft. + +Number of Parcels + +1 + +Assessor Parcel Number (APN) +3-1-5-067-055 + +APN Description +Land with Dwelling + +Parcel Size +11,997 Sq. Ft. + +Zoning + +Compliance +Classification Code +Classification Code Description + +Impact + +Legal Nonconforming +A-1A +Agricultural/Residential, +1.00 Acre Minimum +Neutral + +Description of Zoning Compliance According to Hawaii +Planning and Zoning Office, the subject can be rebuilt if destroyed. +Nonconforming to zoning due to smaller lot size than currently +allowed. +Property Use diff --git a/chunks/txt/1cabb3b83a4856d606d5fd5cd9379904e90ea8eed263e0b493ebabeb06293067.txt b/chunks/txt/1cabb3b83a4856d606d5fd5cd9379904e90ea8eed263e0b493ebabeb06293067.txt new file mode 100644 index 0000000000000000000000000000000000000000..516cf9cb9e779a4e1fd58482fc916c258226848e --- /dev/null +++ b/chunks/txt/1cabb3b83a4856d606d5fd5cd9379904e90ea8eed263e0b493ebabeb06293067.txt @@ -0,0 +1,46 @@ +4.3. Appendix C: Fannie Mae XML Samples + +To support the usage scenarios and illustrate how the loan delivery data is populated within the loan +delivery XML file, several XML file samples are provided. The XML samples reflect the data captured +in usage scenarios applicable to Fannie Mae’s Loan Delivery application. + +4.4. Appendix D: Fannie Mae XML Data Reference (Excel version) + +Appendix D details the specific data points that support Fannie Mae’s unique business process and +policy requirements. This document is designed to provide a flexible format for viewing, sorting, and +understanding the data points in Excel format. This provides sellers and vendors with the ability to +determine the appropriate use of each data point as it applies to Fannie Mae’s Loan Delivery +application. +The Appendix D was created to enable an easy merge between the Fannie Mae and Freddie Mac +Business Implementation Guide updates. Using the Sort ID column will assist sellers and vendors in +reconciling the accuracy of the merge and any changes they make in their working versions of this +document. + +Appendix D consists of the following columns: + +Table 3 - Column Names and Descriptions + +Column Name + +Column Name Description + +Sort ID + +FNM Data Point Mandate +Date + +FNM Revision Effective +Date + +Change Description +(Columns Updated) + +This column lists the unique number assigned to the MISMO data +point, which provides the ability to sort and display the data in the +original order. + +This column lists the Fannie Mae mandate date for the data point. +The mandate date is the date on which the data point is required to +be delivered for all loans. +This column lists the Fannie Mae effective date for the data point +revision. diff --git a/chunks/txt/1cc5275dc94f72f84799a6a46cba8b0407410bd2250b5bf5628e8099078ea62b.txt b/chunks/txt/1cc5275dc94f72f84799a6a46cba8b0407410bd2250b5bf5628e8099078ea62b.txt new file mode 100644 index 0000000000000000000000000000000000000000..a632c6c75f3247efdf1b174eba7f760e46fd1698 --- /dev/null +++ b/chunks/txt/1cc5275dc94f72f84799a6a46cba8b0407410bd2250b5bf5628e8099078ea62b.txt @@ -0,0 +1,87 @@ +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Report +Field ID + +22.11.02 +22.11.05 + +Report Label + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: Overall Quality and Condition + +Condition + +Always + +Always required + +C1 to C6 + +Overall Quality and +Condition +• + +Overall Condition +Rating 15.005 + +Yes +22.11.06 + +Overall Condition Rating: The overall condition rating of all dwellings on +the property. + +Any Condition adjustments made in this row include interior and exterior +condition. + +Property Amenities + +The Property Amenities subsection displays on the sales comparison grid when relevant to analysis and conclusions. + +Property amenities are solely owned or restricted to use by the property owner, and do not include: +• Project amenities that are owned and maintained by the HOA and subject to shared use + +o + +In the sales grid, these are reported in the Project Information subsection (22.02). + +• Site characteristics and view + +o + +In the sales grid, these are reported in the Site subsection (22.03). + +• Waterfront improvements, such as piers, docks, and bulkheads + +o + +In the sales grid, these are reported in the Water Frontage with Private Access subsection (22.04). + +Amenity Category groups similar amenities together for inclusion as individual line entries (rows) in the sales comparison grid. +• Outdoor Accessories +• Outdoor Living +• Water Features +• Whole Home +• Miscellaneous + +Notes: +• For the subject property, when an Amenity Category (row) is included in the sales comparison grid, all amenities in that category populate from diff --git a/chunks/txt/1cc6e665db07883fd8b7d01675d20df75ccd5ced9b9b4a6ea34ebcb20bef3226.txt b/chunks/txt/1cc6e665db07883fd8b7d01675d20df75ccd5ced9b9b4a6ea34ebcb20bef3226.txt new file mode 100644 index 0000000000000000000000000000000000000000..2f37f7bcc3b668f8602a3cd856f6d1e4ed0a4669 --- /dev/null +++ b/chunks/txt/1cc6e665db07883fd8b7d01675d20df75ccd5ced9b9b4a6ea34ebcb20bef3226.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/16976","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/1cceb01fd6c6e3f203f68f754f7f263139aa843ebc11a08cba98a29ca0d15eaf.txt b/chunks/txt/1cceb01fd6c6e3f203f68f754f7f263139aa843ebc11a08cba98a29ca0d15eaf.txt new file mode 100644 index 0000000000000000000000000000000000000000..5a2a2f8d5b2c3a4b264ba27382cf5559227134cd --- /dev/null +++ b/chunks/txt/1cceb01fd6c6e3f203f68f754f7f263139aa843ebc11a08cba98a29ca0d15eaf.txt @@ -0,0 +1,3 @@ +Unit Interior ................................................................................................................................................................................................................................ 58 + +Outbuilding ................................................................................................................................................................................................................................. 59 diff --git a/chunks/txt/1ccf1a6d2f5afbcb9dcba891482e56af8f522974e3e6a1c1a08fa7c91cf8fe73.txt b/chunks/txt/1ccf1a6d2f5afbcb9dcba891482e56af8f522974e3e6a1c1a08fa7c91cf8fe73.txt new file mode 100644 index 0000000000000000000000000000000000000000..8c8007eaa10af66c9c3ebc2db4c55e590e917e4b --- /dev/null +++ b/chunks/txt/1ccf1a6d2f5afbcb9dcba891482e56af8f522974e3e6a1c1a08fa7c91cf8fe73.txt @@ -0,0 +1,101 @@ +Area Data Source +Below Grade Finish Compared +to Above + +ADU + +Legally Rentable +Data Source +Typical for Market +Ingress/Egress +Separate Postal Address + +Level and Room Detail + +Level in Unit + +Grade Level Detail + +Finish + +Area + +Room Summary + +Quality and Condition + +Interior Quality Rating + +Interior Condition Rating + +The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report + +Kitchen and Bathroom Details + +Room + +Update Status + +Time Frame + +Quality Comment + +Condition Status + +Condition Comment + +Overall Update Status for +Bathrooms + +Interior Features + +Feature + +Detail + +Quality Comment + +Condition Status + +Condition Comment + +Overall Update Status for +Flooring + +Accessibility Features for Individuals with Disabilities + +Feature + +Comment + +Apparent Defects, Damages, Deficiencies (Unit Interior - [Outbuilding Type] - [Structure Identifier] - [Unit Identifier]) + +The items listed below represent the As Is condition as of the effective date of this report + +Feature + +Location + +Description + +Affects Soundness or +Structural Integrity + +Recommended +Action + +Unit Interior Commentary + +Unit Interior Exhibits + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +Functional Obsolescence + +Functional Issues + +Functional Obsolescence Commentary + +Functional Obsolescence Exhibits + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 diff --git a/chunks/txt/1cd00c8c1085aba601072fb22113a5e6eb97d66f2b5a185691e728bc4559945d.txt b/chunks/txt/1cd00c8c1085aba601072fb22113a5e6eb97d66f2b5a185691e728bc4559945d.txt new file mode 100644 index 0000000000000000000000000000000000000000..54197729285cb5e7a6afbc12141b73ba086c8896 --- /dev/null +++ b/chunks/txt/1cd00c8c1085aba601072fb22113a5e6eb97d66f2b5a185691e728bc4559945d.txt @@ -0,0 +1,179 @@ +image/png + +Roof + +false + +Rust noted on the roof. Metal galvanized roofs can deteriorate when rust forms. No ruptures or leaks noted at the time of inspection. + +Other + +Entire Roof + +None + +\\Images\2-4_Dwelling2RoofDefect.png + +image/png + +Other + +Appliances + +false + +The stove is fully functional but considered outdated, undersized and does not meet current standards in the market. + +Kitchen + +None + +Kitchen + +\\Images\2-4_AppliancesDefect.png + +image/png + +Other + +Cabinetry + +false + +Some cabinet hardware and cabinet fronts missing exhibiting moderate wear and tear. + +Kitchen + +None + +Kitchen + +\\Images\2-4_KitchenCabinet1.png + +image/png + +Other + +Cabinetry + +false + +Some cabinet hardware is missing exhibiting moderate wear and tear. + +FullBathroom + +None + +Bathroom + +\\Images\2-4_BathroomCabinet1.png + +image/png + +Other + +Doors + +false + +Peeling paint that is cosmetic in nature. + +FullBathroom + +None + +Bathroom + +\\Images\2-4_BathroomDoor.png + +image/png + +WallsAndCeiling + +false + +Peeling and worn paint that is cosmetic in nature. + +FullBathroom + +None + +Bathroom + +\\Images\2-4_BathroomWalls.png + +image/png + +Other + +Cabinetry + +false + +Some hardware noted to be missing from cabinets exhibiting moderate wear and tear. + +Kitchen + +None + +Kitchen + +\\Images\2-4_KitchenCabinet2.png + +image/png + +Other + +Cabinetry + +false + +Some hardware noted to be missing from cabinets exhibiting moderate wear and tear. + +FullBathroom + +None + +Bathroom + +\\Images\2-4_BathroomCabinet2.png + +image/png + +None + +0 + +Detached + +2 + +No functional or external obsolescence noted. + +true + +2 + +false + +false + +C4 + +Q5 + +false + +true + +FeeSimple + +false + +false + +false + +1728 + +false diff --git a/chunks/txt/1cd247bf189605f22fbff353f4c98ce380b6e6db76ae3d2690aa4e01712e4558.txt b/chunks/txt/1cd247bf189605f22fbff353f4c98ce380b6e6db76ae3d2690aa4e01712e4558.txt new file mode 100644 index 0000000000000000000000000000000000000000..7b214dacc05e181ed84d7a20b8160c958b619b70 --- /dev/null +++ b/chunks/txt/1cd247bf189605f22fbff353f4c98ce380b6e6db76ae3d2690aa4e01712e4558.txt @@ -0,0 +1,23 @@ +Description of Prior Services: Performed an appraisal for refinance purposes in 2017. + +Signature + +Appraiser +Bill Smith +Bill Smith + +09/08/2019 + +Date of Signature and Report + +Level +ID +State +Expires + +Certified Residential +319721784 +CA +09/01/2021 + +Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024 diff --git a/chunks/txt/1cd56c1e34a8e17c2729ef148e16e3c3a28656f4d01f17c97185c40a9bb06331.txt b/chunks/txt/1cd56c1e34a8e17c2729ef148e16e3c3a28656f4d01f17c97185c40a9bb06331.txt new file mode 100644 index 0000000000000000000000000000000000000000..0f28a19555c9797c2f1e13e0f46b6e9f16284df8 --- /dev/null +++ b/chunks/txt/1cd56c1e34a8e17c2729ef148e16e3c3a28656f4d01f17c97185c40a9bb06331.txt @@ -0,0 +1,7 @@ +## **Data** + +This dashboard combines three data sources. The first, FHFA’s Public Use Database (PUDB), reports single-family and multifamily acquisitions for Fannie Mae and Freddie Mac (the Enterprises), and the Federal Home Loan Banks (FHLBanks). The single-family dataset contains loan-level data on the number of loans and acquisition unpaid principal balance (UPB). The multifamily dataset contains property-level data on the number of properties and acquisition UPB. The FHLBank dataset contains loan counts and acquisition UPB for single-family loans acquired by the FHLBanks. The smallest geographic area available is the 2020 census tract. The dashboard uses the most recent PUDB release from 2022. + +The second source is the Federal Emergency Management Agency’s (FEMA) National Risk Index (NRI). The NRI is a dataset and tool that maps 18 different natural hazards at the 2020 census-tract level.[[1]](#ftn1) The 18 hazards include coastal flooding, drought, hurricane, and wildfire, among others. The NRI also includes measures of social vulnerability and community resilience. These measures provide information about a community’s susceptibility to natural hazards as well as its ability to recover. The dashboard uses the most recent data from March 2023. + +The third source is FHFA’s Duty to Serve 2023 high-needs rural areas counties data. High-needs rural areas include regions that are in a “rural area” and Middle Appalachia, the Lower Mississippi Delta, a colonia census tract, and tracts located in a persistent poverty county and not in one of the previous three categories.[[2]](#ftn2) diff --git a/chunks/txt/1ce0073ee20c06b36ca47a07a2f859fcafc580f38f8c3e2de97d7353f241d195.txt b/chunks/txt/1ce0073ee20c06b36ca47a07a2f859fcafc580f38f8c3e2de97d7353f241d195.txt new file mode 100644 index 0000000000000000000000000000000000000000..b200b630d8d0b2dc7f351435a9a42d8d25e0af4b --- /dev/null +++ b/chunks/txt/1ce0073ee20c06b36ca47a07a2f859fcafc580f38f8c3e2de97d7353f241d195.txt @@ -0,0 +1,63 @@ +Uniform Appraisal Dataset (UAD) Specification + +Issued by Fannie Mae and Freddie Mac +Appendix D-3: Completion Report Scenario – Per Plans and Specs (CR2) +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 # + +06/10/2025 + +09/17/2024 + +12/12/2023 + +1.3 + +1.2 + +1.1 + +Revision Description +See Appendix D-3: Completion Report Sample Scenario Matrix for complete +list of updates. +See Appendix D-3: Completion Report Sample Scenario Matrix for complete +list of updates. +See Appendix D-3: Completion Report Sample Scenario Matrix for complete +list of updates. + +03/29/2023 + +1.0 + +Initial Publication + +Introduction + +This appraisal was made subject to completion per plans and specs of a proposed barn having been +completed. The subject was re-inspected after the barn was complete. The re-inspection reported a 20’ +x 12’ door was installed where the original plans called for a 12’ x 8’ door. The change in dimension of +the door was determined to have no measurable impact on the utility or marketability of the barn or +property. + +Key Characteristics + +• Construction was completed in a manner that was inconsistent with the original plans and + +specifications. + +• Appraiser commented that the inconsistency had no measurable impact on the marketability of the + +property. + +• Original floorplan of the barn was provided for reference. +• Photo of the inconsistent item was provided in addition to the photo of the completed construction. diff --git a/chunks/txt/1ce8b5b22f252fdc9b553c5273ebd49041b13e993a46f7c05d05ef72be7d2afa.txt b/chunks/txt/1ce8b5b22f252fdc9b553c5273ebd49041b13e993a46f7c05d05ef72be7d2afa.txt new file mode 100644 index 0000000000000000000000000000000000000000..57ba33d53c87d48b93c98319f6eded9b85fc56e6 --- /dev/null +++ b/chunks/txt/1ce8b5b22f252fdc9b553c5273ebd49041b13e993a46f7c05d05ef72be7d2afa.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/mortgage-translations" +date_accessed: "2026-01-27T17:47:50.484Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/1cea24eaa49e76a66d2c60243f8b94c623cd9c1883c6f315a98bf42ace93daa4.txt b/chunks/txt/1cea24eaa49e76a66d2c60243f8b94c623cd9c1883c6f315a98bf42ace93daa4.txt new file mode 100644 index 0000000000000000000000000000000000000000..3cf22797064fab3fb1d235bddb643cc637866095 --- /dev/null +++ b/chunks/txt/1cea24eaa49e76a66d2c60243f8b94c623cd9c1883c6f315a98bf42ace93daa4.txt @@ -0,0 +1,81 @@ +Other (Describe) + +Appendix F-1: URAR Reference Guide + +Page 112 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +08 Dwelling Exterior + +Apparent Defects, Damages, Deficiencies (Dwelling Exterior) + +The appraiser must report any significant items pertaining to the dwelling exterior, mechanical systems, or +noncontinuous finished area, 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 + +industry, or + +• Negatively affect the integrity / composition of the site itself, or +• Negatively affect the soundness or structural integrity of the improvements to the site, or +• Measurably impact the marketability or value of the property, or +• Require completion + +Example: + +Any other items that do not require repair, replacement, inspection, or completion may also be reported using +the Recommended Action of None. + +Reference the appropriate government agency appraisal guidelines for specific requirements. + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Apparent Defects, Damages, Deficiencies (Dwelling Exterior) + +8.054 + +8.055 + +N/A + +N/A + +8.055 + +N/A + +Display only + +N/A + +If applicable, Structure Identifier redisplays from 8.000. + +Always required + +Yes |No + +Displays when +Dwelling Exterior +Defects Exist is Yes + +N/A + +Dwelling Exterior Defects Exist: Indicates whether there are apparent defects, +damages, or deficiencies for the dwelling. +• + +If No, “None” displays and the Apparent Defects, Damages, Deficiencies +(Dwelling Exterior) table does not display. diff --git a/chunks/txt/1cec0bf1459a2078046a5520da7ce85afd37eab602ee39f9b6089fa33a25b975.txt b/chunks/txt/1cec0bf1459a2078046a5520da7ce85afd37eab602ee39f9b6089fa33a25b975.txt new file mode 100644 index 0000000000000000000000000000000000000000..a9ebdc694c23694facfe3326e76ee5547f85759a --- /dev/null +++ b/chunks/txt/1cec0bf1459a2078046a5520da7ce85afd37eab602ee39f9b6089fa33a25b975.txt @@ -0,0 +1,111 @@ +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Outbuilding Detail: Outbuilding Area - Rooms + +Finish (Finished) +Room Summary + +Required for each +indicated Room Type + +Number + +Number of Rooms: The count of each Room Type that is not in the ADU portion +of the outbuilding. + +12.012 + +Finish (Finished) +Room Summary + +Required if the +outbuilding has +finished area that is +not part of an ADU + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Bath – Full +Bath – Half +Bedroom +Breakfast Room +Den +Dining Room +Family Room +Kitchen +Laundry Room +Living Room +Loft + +Room Type: Room(s) that are not in the ADU portion of the outbuilding. +• +• +• +• +• +• +• +• +• +• +• +• Media Room +• Mudroom +• +• +• +• Walk-In Pantry +• Workshop +• +Notes: +• + +Recreation Room +Sunroom +Utility Room + +Other (Describe) + +Select the most applicable Room Type that fits the description of the +room. Examples: + +o +o + +Select Dining Room for dining areas. +Select Breakfast Room for breakfast areas or breakfast nooks. + +• + +Photo(s) of the room(s) may be provided, which display in Outbuilding +Exhibits. Provide a caption including the room type, location, and any +other descriptive information as appropriate. + +Mechanical System Details For Outbuilding Containing ADU(s) + +If the outbuilding contains ADU(s), heating and cooling information is displayed in the Mechanical System +Details subsection instead of the checkboxes (12.008-12.009). + +Appendix F-1: URAR Reference Guide + +Page 154 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +12 Outbuilding + +Heating + +Outbuilding: Mechanical System Details - Heating diff --git a/chunks/txt/1d0b0f7b48b99c561ef7f7e1514b5815c40f51f5e6b68a47cee6aec95527ba93.txt b/chunks/txt/1d0b0f7b48b99c561ef7f7e1514b5815c40f51f5e6b68a47cee6aec95527ba93.txt new file mode 100644 index 0000000000000000000000000000000000000000..4cfb43499860294acfe0afe1e93b87bccb9409fd --- /dev/null +++ b/chunks/txt/1d0b0f7b48b99c561ef7f7e1514b5815c40f51f5e6b68a47cee6aec95527ba93.txt @@ -0,0 +1,36 @@ +12 + +PropertyUsageType (15.0009), enumerations: Investment, Other, PrimaryResidence, SecondHome +PropertyUsageTypeOtherDescription (15.0010) to be used when the PropertyUsageType = “Other” + +For conventional loans when the PropertyUsageType = “Other” and the property is commercial, +multifamily, land, or a farm, enter the applicable description in the PropertyUsageTypeOtherDescription +(i.e., commercial, multifamily, land, farm). + +11. What is the purpose of the DU extension field DU:LandValueAmountType? + +DU:LandValueAmountType (Unique ID 7.0159) is a new conditionally required field with enumerations +of Appraised, Original, and NotApplicable, and serves to specify which amount should be used in DU +calculations for the land value. This data is only needed if the land was acquired separately. + +• When the value of “Appraised” is submitted, the value in LandAppraisedValueAmount (unique id + +7.0041) is used in DU calculations. + +• When “Original” is selected, the value in LandOriginalCostAmount (unique id 4.0004) is used in + +DU calculations. + +• When “NotApplicable” is selected, no additional value will be used in DU calculations for the + +land. + +12. In what scenario would ClosingAdjustmentItemType (Unique ID 17.0025) = “LenderCredit” be + +utilized and in what scenario would FundsSourceType (Unique ID 5.0187) = “Lender” be used? + +ClosingAdjustmentItemType = “LenderCredit” is used when the lender is covering a portion of the +borrower’s closing costs (and prepaid fees). For example, in the case of premium pricing, where the +borrower pays a slightly higher interest rate, and the lender covers all or part of the borrower’s closing +costs. This data is displayed on the Lender Loan Information URLA in section “L4. Qualifying the +Borrower, line M. Other Credits”. diff --git a/chunks/txt/1d1ccb8902081932bfaddd7fef3147e2680124fa641042ce1dbf78558fa1691a.txt b/chunks/txt/1d1ccb8902081932bfaddd7fef3147e2680124fa641042ce1dbf78558fa1691a.txt new file mode 100644 index 0000000000000000000000000000000000000000..77900bd0a2b86f96580d0aecbff40bcfb23de427 --- /dev/null +++ b/chunks/txt/1d1ccb8902081932bfaddd7fef3147e2680124fa641042ce1dbf78558fa1691a.txt @@ -0,0 +1,280 @@ +Desktop Originator +Test Credit Report Characteristics + +/Desktop Underwriter + + + + + +Borrower(s) Name + +SS# + +Credit +Scores + +Credit +Report Type Number + +Reference Credit History + +John Homeowner +Mary Homeowner + +999-40-5000 760, 779, 785 +500-22-2000 783, 768, 771 + +Joint + +5004489 + +30+days +none + +999-60-3333 724, 740, 742 +500-60-2222 750, 739, 728 + +999-12-1234 670, 661, 675 +999-56-5678 678, 670, 663 + +Andy America +Amy America +2 mortgages w/balances + +Patrick Purchaser +Lorraine Purchaser +3 mortgages w/balances + +Suzi Builder +2 mortgages, 1 w/balance + +Joint + +5004449 + +1 X 30 + +none + +none + +none + +none + +none + +none + +60+days 90+days 120+days Bankruptcy Foreclosure Tax Liens Judgment Collection + +none + +none + +none + +none + +none + +none + +none + +none + +none + +none + +Joint + +5004509 + +2 X 30 + +none + +none + +none + +none + +none + +none + +2 + +none + +999-60-6666 630, 625, 619 + +Individual + +5004459 + +15 X 30 + +7 X 60 + +5 X 90 + +none + +none + +none + +none + +1 + +none + +Alice Firstimer + +991-91-9991 715, 710, 703 + +Individual + +5004469 + +3 X 30 + +1 X 60 + +none + +none + +none + +Penny Public + +999-60-3000 670, 640, 650 + +Individual + +5004499 + +2 X 30 + +2 X 60 + +1 X 90 + +none + +1 + +999-00-8881 660, 685, 672 +999-00-8882 674, 680, 695 + +Joint + +5004479 + +3 X 30 + +1 X 60 + +1 X 90 + +none + +none + +none + +none + +none + +none + +none + +none + +none + +none + +none + +none + +2 + +none + +000-88-9999 595, 625, 610 + +Individual + +5004529 + +10 X 30 + +2 X 60 + +none + +none + +none + +none + +none + +none + +1 + +000-11-2222 547, 555, 525 +999-44-5555 521, 530, 515 + +Joint + +5004519 + +32 X 30 + +7 X 60 + +none + +none + +none + +none + +1 + +none + +none + +000-66-7777 525, 560, 585 + +Individual + +5004539 + +15 X 30 + +4 X 60 + +none + +none + +1 + +none diff --git a/chunks/txt/1d2681414b5d6a33791a53d4597cdc8da4b457de67f8b337d7d3efcda364593a.txt b/chunks/txt/1d2681414b5d6a33791a53d4597cdc8da4b457de67f8b337d7d3efcda364593a.txt new file mode 100644 index 0000000000000000000000000000000000000000..41af45bc4fbe54121c89cc6afcd30aae925f023c --- /dev/null +++ b/chunks/txt/1d2681414b5d6a33791a53d4597cdc8da4b457de67f8b337d7d3efcda364593a.txt @@ -0,0 +1,12 @@ +For More Information + +For more information about these Release Notes, lenders may contact their Fannie Mae Business Account Management Solutions +team, and mortgage brokers should contact their DO sponsoring wholesale lender. For more information about the digital +validation that is supported by asset verification reports, visit the webpage for a complete listing of documents and materials +available to lenders. + +© 2025 Fannie Mae. + +2.5.25 + +1 of 1 diff --git a/chunks/txt/1d2750421da5b951b39af756094a5e8e78418d9e5cf24b7380002e55dc1e7fc7.txt b/chunks/txt/1d2750421da5b951b39af756094a5e8e78418d9e5cf24b7380002e55dc1e7fc7.txt new file mode 100644 index 0000000000000000000000000000000000000000..1b60a25427e189358184513abb418fae9104159f --- /dev/null +++ b/chunks/txt/1d2750421da5b951b39af756094a5e8e78418d9e5cf24b7380002e55dc1e7fc7.txt @@ -0,0 +1,68 @@ +Appraisal Effective +Date + +Effective date of the appraisal report on +the subject property. + +/VALUATION_RESPONSE/VALUATION/@AppraisalEffectiveDate + +10 + +Date/Time + +UAD Requirement - Refer to Appendix D Reconciliation Section +Note: This data is referenced more than once on the form and must be represented +consistently. + +PDF Display Format: +Whole numbers only. + +UAD Requirement - Refer to Appendix D Reconciliation Section +Note: This data is referenced more than once on the form and must be represented +consistently. + +Data Format: +yyyy-mm-dd + +PDF Display Format: +mm/dd/yyyy + +Either field 3-127 (Valuation +Reconciliation Condition of Appraisal +Type = 'AsIs'), or at least one of fields 3- +128, 3-129 , 3-130 (other values of +Valuation Reconciliation Condition of +Appraisal Type) must be indicated. If +field 3-127 is indicated, then none of +fields 3-128, 3-129 , 3-130 may be +indicated. + +If any of fields 3-128, 3-129, 3-130 +(values of Valuation Reconciliation +Condition of Appraisal Type) are +indicated, this field should be +populated. + +Used to specify the title of a report. + +/VALUATION_RESPONSE/REPORT/@_TitleDescription + +/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier + +50 + +50 + +String + +String + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. + +This field may not exist in all forms +vendor software. + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. diff --git a/chunks/txt/1d3602835f7da4074f8bdd07e323842186d79ba0a71f3586206f6562577fcb5a.txt b/chunks/txt/1d3602835f7da4074f8bdd07e323842186d79ba0a71f3586206f6562577fcb5a.txt new file mode 100644 index 0000000000000000000000000000000000000000..fb868c84eb5f69f8a5faeef1be4b6bdb8159f1fe --- /dev/null +++ b/chunks/txt/1d3602835f7da4074f8bdd07e323842186d79ba0a71f3586206f6562577fcb5a.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/data/uad/puf" +date_accessed: "2026-01-27T17:47:56.018Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/1d3ba606b4bc1595ca1e29551f746f1fb241bff345d7dc0ddc6d83fa9ea07ce4.txt b/chunks/txt/1d3ba606b4bc1595ca1e29551f746f1fb241bff345d7dc0ddc6d83fa9ea07ce4.txt new file mode 100644 index 0000000000000000000000000000000000000000..e2b4a5b125f7b97295a7b64372135ebca0bed6c3 --- /dev/null +++ b/chunks/txt/1d3ba606b4bc1595ca1e29551f746f1fb241bff345d7dc0ddc6d83fa9ea07ce4.txt @@ -0,0 +1,57 @@ +CoRace + +Borrower2 Race1 Type + +Year Loan Was Reported +Unique Record ID (not actual loan number) +Name of Federal Home Loan Bank District +2 Digit FIPS State Code +3 Digit FIPS County Code +The Property's Five Digit numeric CBSA; 99999 if +state/county/tract combo is not in a CBSA or MSA +The property's Census Tract of Block Numbering Area +(BNA) +The percentage of the property's census tract +population that is minority. +The property's census tract median family income. +The property's median income for the area based on +the most recent decennial census. +The total monthly qualifying income used for +underwriting in whole dollars for all borrowers on the +loan. +Current median income for a family of four for the area +as established by HUD +The Amount of unpaid principal balance in whole +dollars when acquired by the FHLBank. +The loan-to-value ratio of the mortgage at time of +origination. +Year the mortgage was originated. +Year the mortgage was acquired. +Purpose of Loan: 1 = Purchase, 2 = No-Cash Out +Refinancing, 3 = Second Mortgage, 4 = New +Construction, 5 = Rehabilitation or Home +Improvement, 6 = Cash-out Refinancing, 7 = Other +Product type of Mortgage: 01=Fixed Rate, 02=ARM, +03=No Longer in Use, 04=GPM/GEM, 05=Reverse +Annuity Mortgage, 06=Other, 07-98=Reserved for +future use +Type of Mortgage and whether the mortgage is +guaranteed: 0=Conventional, 1=FHA, 2=VA, 3=USDA +Rural Housing-FSA Guaranteed, 4=HECMs, 5=Title1- +FHA +Term of the Mortgage in Months +For Amortizing Mortgages, term of amortization in +months; 998 if non-amortizing loan +Type of Institution from which the FHLBank acquired +the mortgage. 01=Insured depository institution, +02=Housing Associate, 03=Insurance Company, 04=Non- +Federally Insured CU, 05=Non-Depository CDFI, +06=Other FHLBank, 09=Other +Number of Borrowers +Numeric code indicating whether borrower +Numeric code indicating the race of the Borrower. +1=American Indian or Alaska Native, 2=Asian, 3=Black +or African American, 4=Native Hawaiian or other +Pacific Islander, 5=White, 6=Information not provided +by Borrower, 7=Not Applicable (First or primary +borrower is an institution, corporation or partnership) diff --git a/chunks/txt/1d3c2afbd0b42b39e8d9132af79242cf5f79dc29a1e460ce3fd788ed12d4d391.txt b/chunks/txt/1d3c2afbd0b42b39e8d9132af79242cf5f79dc29a1e460ce3fd788ed12d4d391.txt new file mode 100644 index 0000000000000000000000000000000000000000..5643be67544855e544c80b098420f4713197cc9f --- /dev/null +++ b/chunks/txt/1d3c2afbd0b42b39e8d9132af79242cf5f79dc29a1e460ce3fd788ed12d4d391.txt @@ -0,0 +1,26 @@ +Completion Alternatives + +A new policy allows alternative methods to the Appraisal Update and/or Completion Report (Form 1004D). The DU messages +referencing a certificate of completion and/or Form 1004D will be updated to remind lenders of the alternatives. + +DU Validation Service Updates + +The DU validation service will be updated to prevent validation of income or assets when employment and income verification +reports or asset verification reports contain data that does not align with the Selling Guide. Specifically, the changes include the +following: +▪ The DU validation service will only consider data from income and asset verification reports that are reflected in U.S. dollars + +(USD). This change will only apply to new loan casefiles created on or after April 16, 2023. + +▪ The DU validation service will not consider employment and income records from verification of employment and income +reports when the reports indicate the consumer has an unresolved dispute on the accuracy of the employment or income +data. This change will apply to loan casefiles submitted or resubmitted on or after the weekend of April 15, 2023. + +Updates to Align with the Selling Guide + +Borrower Contribution + +Selling Guide Announcement SEL-2022-10 provided further clarification of the borrower contribution requirements based on the +product (HomeReady® or standard transactions), source of the grant (lender-funded or standard), the subject property’s number +of units, and the LTV ratio. The DU messages specifying the minimum borrower contribution requirements will be updated to +ensure the appropriate contribution requirement messages are issued. diff --git a/chunks/txt/1d400fbe4e4d69a9f6dfb3e6d26d5d48c5d1ff8ca962abb5cf68bb19f119d2a9.txt b/chunks/txt/1d400fbe4e4d69a9f6dfb3e6d26d5d48c5d1ff8ca962abb5cf68bb19f119d2a9.txt new file mode 100644 index 0000000000000000000000000000000000000000..ef5e4867ba57564600db9cfb8d9f880021d93abe --- /dev/null +++ b/chunks/txt/1d400fbe4e4d69a9f6dfb3e6d26d5d48c5d1ff8ca962abb5cf68bb19f119d2a9.txt @@ -0,0 +1,47 @@ +ULDD Integration Impact Memo + +1/31/2024 + +Impact Memo Details + +Effective +Date + +Impacted Area + +January 2024 ULDD Phase 5 + +(5.0.1) +Specification +Release + +Description + +Fannie Mae is updating the Uniform Loan Delivery Dataset (ULDD) to make further guidance +available on the implementation and mandate dates associated with the data enhancements +included in the ULDD Phase 5 specification published on Sept. 12, 2023. + +Implementation and Mandate Dates + +The updated specification includes implementation and mandate dates for the following enhancements: + +▪ Alignment with UAD 3.6 Updates + +▪ Alignment with UAD Redesign and ULDD Property Data Point Updates + +▪ Business-Critical Updates + +▪ ULDD Phase 5 Errata/Corrections: + +▪ Bi-Merge and Average Borrower Credit Score Calculation Updates + +Reference the ULDD Phase 5 Specification release notes for further details on the ULDD updates for alignment with UAD 3.6 and +business critical requirements. + +The following resources are also available on the ULDD webpage: + +▪ ULDD Specification Appendix A (.pdf format) + +▪ ULDD Specification Appendix D (.xls format) + +© 2023 Fannie Mae 2.2.24 Page 1 of 1 diff --git a/chunks/txt/1d53c997137571e2b9ce8715302b2faed221f85a2d4e28e7e1d4586ea1c8eb7e.txt b/chunks/txt/1d53c997137571e2b9ce8715302b2faed221f85a2d4e28e7e1d4586ea1c8eb7e.txt new file mode 100644 index 0000000000000000000000000000000000000000..7c9cd6d27ee11ba8397bebdb95c2498f35db1457 --- /dev/null +++ b/chunks/txt/1d53c997137571e2b9ce8715302b2faed221f85a2d4e28e7e1d4586ea1c8eb7e.txt @@ -0,0 +1,4 @@ +Year: 2018 | AssignedID: 2131406 | Bank: Atlanta | FIPSStateCode: 24 | FIPSCountyCode: 021 | MSA: 47900 | FeatureID: 9999999999 | Tract: 7512.01 | MinPer: 29.85 | TraMedY: 93261 | LocMedY: 108141 | Tractrat: 0.8624 | Income: 146196 | CurAreY: 110300 | IncRat: 1.3254 | UPB: 463939 | LTV: 1.03 | MortDate: 2017 | AcquDate: 2018 | Purpose: 1 | Coop: 2 | Product: 1 | FedGuar: 2 | Term: 360 | AmorTerm: 360 | SellType: 1 | NumBor: 2 | First: 1 | CICA: 9 | BoRace: 7 | CoRace: 7 | BoSex: 2 | CoSex: 1 | BoAge: 41 | CoAge: 43 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.04 | Amount: 464782 | Front: 0.2424 | Back: 0.3221 | BoCreditScore: 4 | CoBoCreditScore: 4 | PMI: 0 | Self: 2 | PropType: PT07 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 3 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 3 | Corace2: 6 | Corace3: 6 | Corace4: 6 | Corace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2 +Year: 2018 | AssignedID: 2131407 | Bank: Atlanta | FIPSStateCode: 24 | FIPSCountyCode: 017 | MSA: 47900 | FeatureID: 9999999999 | Tract: 8509.04 | MinPer: 67.24 | TraMedY: 112623 | LocMedY: 108141 | Tractrat: 1.0414 | Income: 156972 | CurAreY: 110300 | IncRat: 1.4231 | UPB: 495000 | LTV: 1 | MortDate: 2017 | AcquDate: 2018 | Purpose: 1 | Coop: 2 | Product: 1 | FedGuar: 2 | Term: 360 | AmorTerm: 360 | SellType: 1 | NumBor: 2 | First: 1 | CICA: 9 | BoRace: 3 | CoRace: 3 | BoSex: 1 | CoSex: 2 | BoAge: 61 | CoAge: 54 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0375 | Amount: 495000 | Front: 0.2384 | Back: 0.455 | BoCreditScore: 4 | CoBoCreditScore: 5 | PMI: 0 | Self: 2 | PropType: PT07 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 2 | Corace2: 6 | Corace3: 6 | Corace4: 6 | Corace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2 +Year: 2018 | AssignedID: 2131408 | Bank: Atlanta | FIPSStateCode: 51 | FIPSCountyCode: 153 | MSA: 47900 | FeatureID: 9999999999 | Tract: 9012.36 | MinPer: 40.76 | TraMedY: 140156 | LocMedY: 108141 | Tractrat: 1.296 | Income: 337464 | CurAreY: 110300 | IncRat: 3.0595 | UPB: 664307 | LTV: 0.99 | MortDate: 2017 | AcquDate: 2018 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 2 | Term: 360 | AmorTerm: 360 | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 3 | CoRace: 3 | BoSex: 1 | CoSex: 2 | BoAge: 55 | CoAge: 61 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0388 | Amount: 665287 | Front: 0.1369 | Back: 0.2102 | BoCreditScore: 5 | CoBoCreditScore: 5 | PMI: 0 | Self: 2 | PropType: PT07 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 2 | Corace2: 6 | Corace3: 6 | Corace4: 6 | Corace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2 +Year: 2018 | AssignedID: 2131409 | Bank: Atlanta | FIPSStateCode: 51 | FIPSCountyCode: 059 | MSA: 47900 | FeatureID: 9999999999 | Tract: 4221.02 | MinPer: 75.97 | TraMedY: 89250 | LocMedY: 108141 | Tractrat: 0.8253 | Income: 132000 | CurAreY: 110300 | IncRat: 1.1967 | UPB: 490320 | LTV: 1.03 | MortDate: 2017 | AcquDate: 2018 | Purpose: 1 | Coop: 2 | Product: 1 | FedGuar: diff --git a/chunks/txt/1d541c0b01801873285a34540818716f18d13382c5c5d21595ea416b519b9373.txt b/chunks/txt/1d541c0b01801873285a34540818716f18d13382c5c5d21595ea416b519b9373.txt new file mode 100644 index 0000000000000000000000000000000000000000..b98fc17184529212a789c9f09076cd5d45267716 --- /dev/null +++ b/chunks/txt/1d541c0b01801873285a34540818716f18d13382c5c5d21595ea416b519b9373.txt @@ -0,0 +1,41 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +## Breadcrumb + +- [Home](/) + - [Policy](/policy) + - Non-Performing (NPL) and Re-Performing Loan (RPL) Sales + +Policy + +# Non-Performing (NPL) and Re-Performing Loan (RPL) Sales + +The sale of NPLs and RPLs by Fannie Mae and Freddie Mac (the Enterprises) reduces the number of deeply delinquent loans held in their inventories and transfers credit and interest rate risk to the private sector. Additionally, data provided by NPL buyers’ servicers over time show more favorable outcomes for borrowers than if the NPLs stayed in Enterprise portfolio through resolution. Purchasers of Enterprise NPLs and RPLs are subject to requirements published by FHFA, which have been enhanced over time, most recently 2023. diff --git a/chunks/txt/1d6f43846e28a4a856c2e58db10dfe5b9108bb791681a41749cd3554d1699c03.txt b/chunks/txt/1d6f43846e28a4a856c2e58db10dfe5b9108bb791681a41749cd3554d1699c03.txt new file mode 100644 index 0000000000000000000000000000000000000000..a9892b30a9539fa645a3e23a7df0cd1806853468 --- /dev/null +++ b/chunks/txt/1d6f43846e28a4a856c2e58db10dfe5b9108bb791681a41749cd3554d1699c03.txt @@ -0,0 +1,5 @@ +© 2024 Fannie Mae. Trademarks of Fannie Mae. + +1.3.24 + +2 of 2 diff --git a/chunks/txt/1d79a3e188132c7888e05d47e5e8dcbf88fb2cb640fec3de2d0434e68ede56ae.txt b/chunks/txt/1d79a3e188132c7888e05d47e5e8dcbf88fb2cb640fec3de2d0434e68ede56ae.txt new file mode 100644 index 0000000000000000000000000000000000000000..18613a391de5210f62c385de8e9e673811e355f9 --- /dev/null +++ b/chunks/txt/1d79a3e188132c7888e05d47e5e8dcbf88fb2cb640fec3de2d0434e68ede56ae.txt @@ -0,0 +1,92 @@ +The figure below (Figure 3) shows examples of a counseling event, by type, that will need to be linked +to the housing counseling agency. + +COUNSELING EVENT (Counseling or Education) And +ROLE (HousingCounselingAgency) +Containers Identifying Endpoints Of Relationships + +PARTIES + PARTY + +INDIVIDUAL + NAME + +ROLE + BORROWER + +COUNSELING EVENTS + +COUNSELING EVENT + Sequence Number = “1” + +xlink:label = “COUNSELING_EVENT_1” + +COUNSELING EVENT DETAIL + +Counseling Completed Date = 2015-10-05 + Counseling Confirmation Indicator= true + Counseling Format Type = FaceToFace + Counseling Type= Counseling + +PARTIES + PARTY + +LEGAL ENTITY + +LEGAL ENTITY DETAIL + Full Name + +ROLE + +Sequence Number = “1” + xlink:label = “HOUSING_COUNSELING_AGENCY_1” + ROLE DETAIL + +Party Role Type = HousingCounselingAgency + +Figure 3. Establishing Endpoints of Relationship + +Data Relationships Using Xlink and MISMO Arcroles + +Page 17 of 29 + +Version 1.1 + +___________ _ __ Uniform Loan Application Dataset (ULAD) Xlink Arcroles + +The table below (Table 3) shows the endpoints that will makeup the xlink arcrole relationship for each +relationship. + +CONTAINER + +XPath For Container + +COUNSELING_EVENT DEAL/PARTIES/PARTY/ROLES/ +ROLE/BORROWER/COUNSELIN +G_EVENTS/COUNSELING_EVE +NT +DEAL/PARTIES/PARTY/ROLES/ +ROLE + +ROLE + +Table 3. Identifying Endpoints in the Relationship + +Sequence +Number +1 + +Xlink:label + +COUNSELING_EVENT_1 + +1 + +HOUSING_COUNSELING_AGENCY_1 + +The table below (Table 4) shows a breakdown of the detailed components of the relationship used to relate +a counseling event to housing counseling agency that provided the counseling. + +XPath + +Attribute diff --git a/chunks/txt/1d841d2eb9c02be9209ba48afa756fdc63f90522af2821fdec1cdc3b4a34900c.txt b/chunks/txt/1d841d2eb9c02be9209ba48afa756fdc63f90522af2821fdec1cdc3b4a34900c.txt new file mode 100644 index 0000000000000000000000000000000000000000..07388a45d4ef4ab75f55d0573247e5838cca065d --- /dev/null +++ b/chunks/txt/1d841d2eb9c02be9209ba48afa756fdc63f90522af2821fdec1cdc3b4a34900c.txt @@ -0,0 +1,50 @@ +• + +Note: When a substitute appraiser is used for the Completion Report, the substitute appraiser must review the original appraisal +report. The lender must note in the file the reason why the original appraiser was not used. + +Manufactured Housing Appraisal Site Requirements + +The appraisal site requirements for manufactured housing are as follows: + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 109 of 166 + +UAD 3.6 Policy + +• + +• + +The appraiser must base their opinion of value on the characteristics of the subject property, including the site area. The +appraisal report must indicate whether or not the site is compatible with the neighborhood, and must comment on the +conformity of the manufactured home to other manufactured homes in the market area. +The property site must be of a size, shape, and topography that is conforming and acceptable in the market area. It must +also have competitive utilities, street improvements, adequate vehicular access, and other amenities. Because +amenities, easements, and encroachments may either detract from or enhance the marketability of a site, the appraiser +must reflect them in their analysis and valuation. The appraiser must comment if the site has adverse conditions or is not +typical for the market. + +Manufactured Housing Appraisal Comparable Selection Requirements Excluding MH Advantage + +The comparable selection requirements for manufactured housing appraisals, excluding MH Advantage, are as follows: + +• +• + +• + +• + +• + +The appraisal must include at least two closed comparable sales of manufactured homes. +If the subject property is a single-section, multi-story or two- to four-unit manufactured home, the appraisal must +include at least one closed comparable sale of the same configuration, when available. +If a closed comparable sale with a matching configuration is not available, the appraisal may include an active listing or +pending sale as a supplemental exhibit to demonstrate marketability. +For multi-story manufactured homes, the appraisal may include either a multi-story site-built home or a different type +of multi-story factory-built home as the third comparable sale. +For two- to four-unit manufactured homes, the appraisal must include either a two- to four-unit site-built home or a different +type of two- to four-unit factory built home as the third comparable sale. diff --git a/chunks/txt/1d90642c3b780260ee0af60ba0110a337872ee72b3856ebe6a09a516f26b9a76.txt b/chunks/txt/1d90642c3b780260ee0af60ba0110a337872ee72b3856ebe6a09a516f26b9a76.txt new file mode 100644 index 0000000000000000000000000000000000000000..36e3963754500f4ce3dc0251759197a586e8b9bd --- /dev/null +++ b/chunks/txt/1d90642c3b780260ee0af60ba0110a337872ee72b3856ebe6a09a516f26b9a76.txt @@ -0,0 +1,156 @@ +Floor Number + +Site Size + +Grade Level + +Interior Condition + +Bedrooms + +Baths - Full | Half + +Finished Area + +Furnished + +Utilities/Services +Included + +Rent Control + +Rent Concessions + +Vehicle Storage | Spaces + +Summary + +Rent Per Finished Area + +Actual Rent + +Overall Comparison +to Subject + +Adjusted Rent + +Opinion of +Market Rent + +Comparable Weight + +Proximity to Subject + +Neighborhood Name + +Project Name + +Project Common +Amenities/Services + +Site Influence + +View from Unit + +Floor Number + +Site Size + +Grade Level + +Interior Condition + +Bedrooms + +Baths - Full | Half + +Finished Area + +Furnished + +Utilities/Services +Included + +Rent Control + +Rent Concessions + +Vehicle Storage | Spaces + +Summary + +Rent Per Finished Area + +Actual Rent + +Overall Comparison +to Subject + +Adjusted Rent + +Opinion of +Market Rent + +Comparable Weight + +Subject +[Unit +Identifier] + +Comparables + +# + +# + +# + +Subject +[Unit +Identifier] + +Comparables + +# + +# + +# + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +Rental Analysis Commentary + +Rental Information Exhibits + +Comparable # + +Comparable # + +Comparable # + +Comparable # + +Comparable # + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +Income Approach + +Gross Rent Multiplier Comparables + +Property Address + +Subject Property + +Comparable # + +Comparable # + +Comparable # + +Data Source + +Proximity to Subject + +Units Excluding ADUs diff --git a/chunks/txt/1d94cea39d873a6c7cf428e5b511dfe2767918db40480136ceec49eca201a706.txt b/chunks/txt/1d94cea39d873a6c7cf428e5b511dfe2767918db40480136ceec49eca201a706.txt new file mode 100644 index 0000000000000000000000000000000000000000..3b64d9577feca039adb5e3c4e1709c650b9f7064 --- /dev/null +++ b/chunks/txt/1d94cea39d873a6c7cf428e5b511dfe2767918db40480136ceec49eca201a706.txt @@ -0,0 +1,9 @@ +(cid:1)(cid:4)(cid:7)(cid:5)(cid:10)(cid:2)(cid:1)(cid:4)(cid:7)(cid:5)(cid:3)(cid:10)(cid:8)(cid:6)(cid:10)(cid:2)(cid:1)(cid:4)(cid:7)(cid:5)(cid:9)(cid:3)(cid:10) + +(cid:31)(cid:34)(cid:53)(cid:44)(cid:70)(cid:76)(cid:18)(cid:61)(cid:56)(cid:64)(cid:34)(cid:67)(cid:51)(cid:70)(cid:61)(cid:59)(cid:76)(cid:16)(cid:64)(cid:64)(cid:67)(cid:61)(cid:34)(cid:40)(cid:50)(cid:76)(cid:22)(cid:74)(cid:50)(cid:51)(cid:37)(cid:51)(cid:72)(cid:70)(cid:76) + +(cid:19)(cid:62)(cid:57)(cid:65)(cid:35)(cid:68)(cid:35)(cid:38)(cid:54)(cid:45)(cid:1)(cid:76) + +(cid:8)(cid:8)(cid:3)(cid:5)(cid:7)(cid:3)(cid:7)(cid:13)(cid:76) + +(cid:8)(cid:8)(cid:3)(cid:5)(cid:7)(cid:76)(cid:3)(cid:7)(cid:13)(cid:3)(cid:7)(cid:76)(cid:26)(cid:76)(cid:8)(cid:8)(cid:3)(cid:5)(cid:7)(cid:76)(cid:3)(cid:7)(cid:13)(cid:3)(cid:8)(cid:76) diff --git a/chunks/txt/1d9fb4872d310fb45ddc623127b938e906a0a430ffc9a33ee6e733c489fe08c8.txt b/chunks/txt/1d9fb4872d310fb45ddc623127b938e906a0a430ffc9a33ee6e733c489fe08c8.txt new file mode 100644 index 0000000000000000000000000000000000000000..3b05de98640c47e42be346e9411f6ce547baa6eb --- /dev/null +++ b/chunks/txt/1d9fb4872d310fb45ddc623127b938e906a0a430ffc9a33ee6e733c489fe08c8.txt @@ -0,0 +1,22 @@ +Technology Manager + +##### Release Notes + +- [Technology Manager Release | March 11, 2024](/media/document/pdf/technology-manager-release-march-11-2024) + - [Technology Manager Release | June 8, 2023](/media/document/pdf/technology-manager-release-june-8-2023) + - [Technology Manager Release | May 5, 2023](/media/document/pdf/technology-manager-release-may-5-2023) + - [Technology Manager Release | Sept. 30, 2021](/media/document/pdf/technology-manager-release-sept-30-2021) + - [Technology Manager Release | Nov. 20, 2020](/media/document/pdf/technology-manager-release-november-4-2020) + - [Technology Manager Release | Aug. 6, 2020](/media/document/pdf/technology-manager-release-august-6-2020) + - [Technology Manager Release | May 1, 2020](/media/document/pdf/technology-manager-release-may-1-2020) + - [Technology Manager Release | Oct. 21, 2019](/media/document/pdf/technology-manager-release-oct-21-2019) + +Uniform Appraisal Dataset (UAD) Compliance API (UCA) + +##### Announcements + +- [May 2025 – Completion Rules Notification](/media/document/pdf/completion-report-uad-36-compliance-rules-available-uad-compliance-api) +- [March 2025 – Update Rules Notification](/media/document/pdf/appraisal-update-report-uad-36-compliance-rules) +- [December 2024 – URAR Rollout](/media/document/pdf/uad-compliance-api-uad-36-urar-available-announcement-dec-2024) +- [March 2024 - Introducing the Compliance API](/media/document/pdf/uad-compliance-api-early-access) +- [Compliance API Product Factsheet](/media/document/pdf/compliance-api-product-factsheet) diff --git a/chunks/txt/1dace126b544bd88d3012378241cd2ce0a1b310f340c27d7c34daf45d726f043.txt b/chunks/txt/1dace126b544bd88d3012378241cd2ce0a1b310f340c27d7c34daf45d726f043.txt new file mode 100644 index 0000000000000000000000000000000000000000..c2f4aed5fd32f53dfe4002f71c17042130e3877c --- /dev/null +++ b/chunks/txt/1dace126b544bd88d3012378241cd2ce0a1b310f340c27d7c34daf45d726f043.txt @@ -0,0 +1,52 @@ +The dwelling exhibits significant wear and tear +resulting from inadequate maintenance, but the +soundness and structural integrity are sufficient +to support occupancy. Some components may +be missing or near the end of their useful life, +but major components are still functional. + +The dwelling features an extreme lack of +maintenance, resulting in severe damages, +deficiencies, or defects that impact the +soundness or structural integrity, and the +dwelling is not suitable for occupancy. There are +major components that may be missing, no +longer functional, or otherwise require +immediate correction. + +A dwelling in C2 condition: +• + +Has been recently constructed (within the past 36 months), and otherwise exhibits +virtually no wear and tear, but is no longer new due to occupancy or use (e.g., model +home), or +Has been fully remodeled "to the studs" including new major components; a new +dwelling built utilizing the footprint or façade of a pre-existing dwelling; or a newly +converted condo/co-op in a pre-existing building. + +• + +A dwelling in C3 condition will likely have: +• + +Components or rooms that are older but have been very well maintained or experienced +minimal use, and show little or no physical depreciation, or + +• Major components or rooms that have been recently updated, but which do not + +constitute a full-home renovation/remodel. + +Examples of major components include but are not limited to a combination of (one or more): +• +• +• +• + +Newer roof +Some newer mechanicals +New / newer floor coverings +Remodeled kitchen or bathroom(s) + +A dwelling in C4 condition may have experienced some periodic updating but most +components are near the middle of their life cycle. Common deferred maintenance resulting +from typical use is apparent but presents no immediate impact. diff --git a/chunks/txt/1db7fd4245527f548d5a48a7d86d08057d38416a9a965785b0830366a5941e92.txt b/chunks/txt/1db7fd4245527f548d5a48a7d86d08057d38416a9a965785b0830366a5941e92.txt new file mode 100644 index 0000000000000000000000000000000000000000..0be747c7ea007fa4ff731cfaa3595474d91731c3 --- /dev/null +++ b/chunks/txt/1db7fd4245527f548d5a48a7d86d08057d38416a9a965785b0830366a5941e92.txt @@ -0,0 +1,11 @@ +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/34876","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"\/news\/speech":true,"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"better_exposed_filters":{"datepicker":true,"datepicker_options":[]},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/1dc136e86a43e6c7dfdf250a13bee8fa9129e5e8f1df708a42992a7d36ae168f.txt b/chunks/txt/1dc136e86a43e6c7dfdf250a13bee8fa9129e5e8f1df708a42992a7d36ae168f.txt new file mode 100644 index 0000000000000000000000000000000000000000..e64f0d0658b3e7db968dfcbed9efeb874561a7e8 --- /dev/null +++ b/chunks/txt/1dc136e86a43e6c7dfdf250a13bee8fa9129e5e8f1df708a42992a7d36ae168f.txt @@ -0,0 +1,98 @@ +Appraiser and Supervisory Appraiser Credentials + +Credential information from the state in which the property is located must be provided for the appraiser and +supervisory appraiser. + +Assignment: Contact Information - Appraiser and / or Supervisory Appraiser Credentials + +Report +Field ID + +2.024 +2.039 + +Report Label + +When to Include + +Level + +Required for the +appraiser and +supervisory appraiser + +Allowable +Answers / Format + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Definition / Additional Guidance + +Credential Type +• + +None (includes noncredentialled appraiser trainees or jurisdictions that +don’t provide credentials to appraiser trainees) +Certified General +Certified Residential +Licensed Residential +Trainee Appraiser (appraiser trainees with an issued credential, also +referred to as Registered Trainee) +Other (Describe) + +• +• +• +• + +• + +ID + +2.025 +2.040 + +Required if Credential +Type is not None + +Free-form + +The credential as reported by the ASC. Commonly referred to as “credential +number”, “license number”, or “certification number”. +Note: Do not include state in the ID field unless it is part of the credential +number as reported on the ASC National Registry. + +State + +Expires + +2.026 +2.041 + +2.027 +2.042 + +Required if Credential +Type is not None + +2-letter USPS state +code + +State credential that applies to the assignment, commonly referred to as the +“credentialling state”. + +Required if Credential +Type is not None + +mm/dd/yyyy + +Expiration date of the credential. + +Other Information About Appraiser and Supervisory Appraiser + +Assignment Information: Contact Information – Other Information about Appraiser and Supervisory Appraiser diff --git a/chunks/txt/1dc7ca35f5e6fa71f907d3f90734c2161e8cb5374cd610473c9475d7bdfcdf3e.txt b/chunks/txt/1dc7ca35f5e6fa71f907d3f90734c2161e8cb5374cd610473c9475d7bdfcdf3e.txt new file mode 100644 index 0000000000000000000000000000000000000000..0fa1644365019df5b918976fe5d9072fb52f3cae --- /dev/null +++ b/chunks/txt/1dc7ca35f5e6fa71f907d3f90734c2161e8cb5374cd610473c9475d7bdfcdf3e.txt @@ -0,0 +1,80 @@ +1031 + +1045 + +CU indicates that the heightened +undervaluation 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. + +1024 + +CU has identified comparable +sales that may be more similar in + +1044 + +CU has identified comparable sales that may +be more similar in geographical location than + +© 2022 Fannie Mae April 20, 2022 Page 1 of 4 + +Overvaluation Risk Message Text + +Overvaluation +Risk Message +ID + +New +Undervaluation +Risk Message +ID + +New Undervaluation Risk Message Text + +geographical location than those +relied on by the appraiser. Ensure +that the appraiser has relied on +comparables with a similar +geographical location. See the CU +Comparables tab for details. + +CU has identified comparable +sales that may be more similar in +property features than those +relied on by the appraiser. Ensure +that the appraiser has relied on +comparables with similar +property features. See the CU +Comparables tab for details. + +CU has identified comparable +sales that may be more similar to +the subject than those relied on +by the appraiser. Ensure that the +appraiser has relied on +comparables that are the best +and most appropriate for the +assignment. See the CU +Comparables tab for details. + +CU has identified market reaction +to Above Grade Room Count & +Gross Living Area that may differ +from the adjustment rates used +by the appraiser. Ensure that the +appraiser has made adjustments +accurately reflecting market +reaction to these attributes. See +the CU Adjustments tab for +details. diff --git a/chunks/txt/1dccd477bb382db879436eea874e20d36c71a86b7d09db5d6aaebea28a9ebcae.txt b/chunks/txt/1dccd477bb382db879436eea874e20d36c71a86b7d09db5d6aaebea28a9ebcae.txt new file mode 100644 index 0000000000000000000000000000000000000000..ce8364943bf8f266a38d7c9a14337f225e2f2a99 --- /dev/null +++ b/chunks/txt/1dccd477bb382db879436eea874e20d36c71a86b7d09db5d6aaebea28a9ebcae.txt @@ -0,0 +1,46 @@ +In the Dwelling(s) subsection, Gross Building Finished Area includes the finished below grade area +(1,800 sq. ft.), the area of each unit (858 sq. ft.), and the stairwells including the area under the +stairs (386 sq. ft.). + +The Unit(s) subsection shows 1,800 square feet of unfinished below grade area with interior +access from the common area reported in Unit A only. + +In the Unit(s) subsection, neither unit includes the finished below grade area. + +In the Summary subsection, the above information is incorporated into the calculations. For +example, Price Per Finished Area Above Grade = Sale Price ($375,000) / (Gross Building +Finished Area (1,800) = $208. + +In the Summary subsection, the above information is incorporated into the calculations. For +example, Price Per Finished Area Above Grade = Sale Price ($375,000) / (Gross Building Finished Area +(3,600) = $104. + +Appendix F-1: URAR Reference Guide + +Page 361 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Appendix 4: Detached Garage Examples + +Appendix 4: Detached Garage Examples + +This appendix shows examples of detached garages and how they are reported in different sections of the +URAR. Applicable URAR sections for each example are summarized in this table. + +Note: Only the portions of Unit Interior and Sales Comparison Approach that address area and rooms are +included in these examples. The entire Unit Interior section displays for the ADU, as does the ADU Interior +Quality and Condition subsection of the Sales Comparison Approach. + +Detached Garage Examples + +Example (Subject Property) + +Outbuilding +(Subject +Property) + +Unit +Interior diff --git a/chunks/txt/760150be72b860416aa9e31bcb1ffe4e6fdf6cf829bc454db010098658359b21.txt b/chunks/txt/760150be72b860416aa9e31bcb1ffe4e6fdf6cf829bc454db010098658359b21.txt new file mode 100644 index 0000000000000000000000000000000000000000..fbac2195c5a76c0e8361056cbfaeda44b079e8a3 --- /dev/null +++ b/chunks/txt/760150be72b860416aa9e31bcb1ffe4e6fdf6cf829bc454db010098658359b21.txt @@ -0,0 +1,33 @@ +- [Affordable Housing & Community Investment](/programs/affordable-housing) + - [Duty to Serve](/programs/duty-to-serve) + - [Enterprise Housing Goals](/programs/enterprise-affordable-housing-goals) + - [Financial Technology](/programs/fintech) + - [Fraud Prevention](/programs/fraud-prevention) + - [Housing Finance Examiner Commission Program](/programs/housing-finance-examiner-commission) + - [Loss Mitigation](/programs/loss-mitigation) + - [National Mortgage Database](/programs/nmdb) + - [Natural Disaster Risk](/programs/natural-disaster-risk) + - [Neighborhood Stabilization Initiative](/programs/neighborhood-stabilization-initiative) + - [Suspended Counterparty Program](/regulation/suspended-counterparty-program) + - Data & Research [Data](/data) + +- [Borrower Assistance Map](/data/dashboard/borrower-assistance-map) + - [Conforming Loan Limit](/data/conforming-loan-limit) + - [Dashboards](/data/dashboard) + - [Data Governance](/data/data-governance-resources) + - [Duty to Serve Eligibility Data](/data/duty-to-serve/eligibility-data) + - [Duty to Serve Performance Data](/data/duty-to-serve/performance-data) + - [​Enterprise Housing Goals](/data/enterprise-housing-goals) + - [​Fair Lending Data](/data/fair-lending) + - [FHFA House Price Index®](/data/hpi) + - [FHLB Membership Data](/data/fhlb-membership) + - [NMDB® Aggregate Statistics](/data/nmdb) + - [NSMO Public Use File](/data/nsmo) + - [Public Use Databases](/data/pudb) + - [FHLB Stress Tests](/data/fhlb-stress-tests) + - [Market Data](/data/market-data) + - [Market Risk Scenarios](/data/fhlb-stress-tests/market-risk-scenarios) + - [MIRS Transition Index](/data/mirs) + - [UAD Appraisal-Level Public Use File](/data/uad/puf) + - [UAD Aggregate Statistics](/data/uad) + - [Underserved Areas Data](/data/underserved-areas) diff --git a/chunks/txt/760b2d829710df6b0dbc684f0270705ef32ae845cdd782754474c4640ea1c94d.txt b/chunks/txt/760b2d829710df6b0dbc684f0270705ef32ae845cdd782754474c4640ea1c94d.txt new file mode 100644 index 0000000000000000000000000000000000000000..119d6d83a6b32b4ff683209e9a5e788a559e0c14 --- /dev/null +++ b/chunks/txt/760b2d829710df6b0dbc684f0270705ef32ae845cdd782754474c4640ea1c94d.txt @@ -0,0 +1,24 @@ +Language assistance and resources may be available through housing counseling agencies approved by the U.S. Department of Housing and Urban Development (HUD). You can find a list of HUD-approved housing counseling agencies at [www.hud.gov/counseling.](https://www.hud.gov/counseling)​ + +- Select "housing counseling agency" near you, then select your state. To locate housing counseling agencies in your area that speak your language, select "Click here to narrow your search" and select a language, or + - Call HUD at 800-569-4287 for help in finding a counselor. + Housing counselor information is also available at [www.consumerfinance.gov/find-a-housing-counselor.](http://www.consumerfinance.gov/find-a-housing-counselor) + +- ## Buying a Home + +Image + +![Family in front of home with sold sign](/sites/default/files/styles/landscape_medium_408_x_228_/public/images-import/GettyImages-135060831-latino-family-in-front-of-home-with-sold-sign.jpg?h=e59d0bbd&itok=t583uvF5) + +#### Shop for a Home + +- [CFPB: Ready to Buy a Home?](/mortgage-translations/document/cfpb-ready-to-buy-a-home) + +#### Shop for a Mortgage or Refinance + +- [Your Step-by-Step Mortgage Guide: From Application to Closing](/mortgage-translations/document/step-by-step-mortgage-guide-from-application-to-closing) + - [CFPB: Your Home Loan Toolkit](/mortgage-translations/document/cfpb-your-home-loan-toolkit) + - [CFPB: Shopping for a mortgage (Booklet)](/mortgage-translations/document/cfpb-shopping-for-a-mortgage) + - [CFPB: Have a mortgage? (Booklet)](/mortgage-translations/document/cfpb-have-a-mortgage-booklet) + - [CFPB: Should I refinance?](/mortgage-translations/document/cfpb-should-i-refinance) + - [CFPB: Considering a Reverse Mortgage?](/mortgage-translations/document/cfpb-considering-a-reverse-mortgage) diff --git a/chunks/txt/76406195a4cc6cb60de32e145e73eac0141d84eeb78783234f9c9198d40c6dca.txt b/chunks/txt/76406195a4cc6cb60de32e145e73eac0141d84eeb78783234f9c9198d40c6dca.txt new file mode 100644 index 0000000000000000000000000000000000000000..2b17ed9d05e1f2d13a675dbc2b4714aa18ef1fdf --- /dev/null +++ b/chunks/txt/76406195a4cc6cb60de32e145e73eac0141d84eeb78783234f9c9198d40c6dca.txt @@ -0,0 +1,27 @@ +Verification of Completion: Existing Construction + +Lenders must review the appraisal and/or the property data collection to ensure the property does not have a defect, damage, or +deficiency affecting the soundness or structural integrity of the subject property. Any defect, damage, or deficiency must be +itemized within the appropriate section of the URAR or property data collection. See SB4-1.3-06, Dwelling Condition and Quality +of Construction, for information concerning property condition and quality of construction ratings. + +The tables below provide requirements related to existing construction that have minor conditions or deferred maintenance +items that may or may not affect the soundness or structural integrity of the property. + +Requirements for Existing Construction + +✓ + +When There are Minor Conditions or Deferred Maintenance Items that Do Not Affect the Soundness or +Structural Integrity of the Property + +When the appraisal indicates the existence of minor conditions or deferred maintenance (defect, damage, or +deficiency) that do not affect the soundness or structural integrity of the property, these items must be reflected +in the appraiser's opinion of value and the appraisal report must be completed "as-is." Items meeting these +criteria require the appraiser to report and comment on the effect these items may have on the subject +property's value and marketability. The lender will then evaluate and determine if any additional course of +action is required to comply with Fannie Mae’s soundness and structural integrity requirements. Minor +conditions and deferred maintenance items include, but are not limited to, worn floor finishes or carpet, minor +plumbing leaks, holes in window screens, missing handrails, or cracked window glass and are typically due to +normal wear and tear. The lender is not required to ensure that the borrower has had these items repaired prior +to sale of the loan to Fannie Mae when the appraisal is completed "as-is." diff --git a/chunks/txt/7643d4482e24d714a66840bc1cdee79953c81670609aa70ba7ff602dc043470b.txt b/chunks/txt/7643d4482e24d714a66840bc1cdee79953c81670609aa70ba7ff602dc043470b.txt new file mode 100644 index 0000000000000000000000000000000000000000..d4319ba5c5f4fd802cfda9082f74a199c13bbaf7 --- /dev/null +++ b/chunks/txt/7643d4482e24d714a66840bc1cdee79953c81670609aa70ba7ff602dc043470b.txt @@ -0,0 +1,73 @@ +• 1073/465 + +INSTRUCTION + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075/466 + +• 1073/465 + +INSTRUCTION + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075/466 + +• 1073/465 + +INSTRUCTION + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075/466 + +General Description - # of Stories, # of +Elevators, Existing/Proposed/Under +Construction, Year Built +If the project includes more than one building, +the appraiser should enter data for the building +in which the subject unit is located. + +Reporting Format: +# of Stories – See requirements in +Improvements section + # of Elevators Numeric, whole numbers only +Existing/Proposed/Under Construction – +Checkbox designated with an ‘x’ +Only one selection is permitted + Year Built – See requirements in +Improvements section +Estimation of Year Built – See requirements in +Improvements section + +Is the developer/builder in control of the +Homeowners’ Association (HOA)? +For condominiums, the appraiser must select +‘Yes’ or ‘No’ in response to the question, “Is +the developer/builder in control of the +Homeowners’ Association (HOA)?” located in +the Project Information section. + +Reporting Format: +Is the developer/builder in control of the +Homeowners’ Association (HOA)? – +Checkbox designated with an ‘x’ + +Is there any commercial space in the +project? If Yes, describe and indicate the +overall percentage of the commercial +space. + +The appraiser must select either ‘Yes’ or ‘No’ +to indicate whether there is commercial space +in the project. If ‘Yes’ is indicated, the +appraiser must enter the overall percentage of +commercial space in the project in which the +subject property is located. diff --git a/chunks/txt/764cc1737521e26223b7abf7fc51194ac8bc180153168821fa8f5637e45eaf49.txt b/chunks/txt/764cc1737521e26223b7abf7fc51194ac8bc180153168821fa8f5637e45eaf49.txt new file mode 100644 index 0000000000000000000000000000000000000000..5f8e33625a9eae8aa3d29e47eb7f7231d9383f6e --- /dev/null +++ b/chunks/txt/764cc1737521e26223b7abf7fc51194ac8bc180153168821fa8f5637e45eaf49.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/11506","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"ajaxPageState":{"libraries":"eJyFUdFuxCAM-yFaPgmF4nbsgFQkXK_7-tH2Jk26nfYSiO0I7Hioojo8VhYEN8fUW7HUlJ00n6Ma_7dkQUGlZHyir936yCN90sNMXGEnzisXFJVx_phpGGbmPvSG_EDlN9RKCwaNmnAJQm0rpVHJJwhXNXhoiuX2Qzxbc0xbZIpp6C5kqnHVyOXCl8SeOqF71y4XJk1WlND9TdzK4XelqhHiUhQ9NS5Hmez5r-ONISNEGnpRk2jnpi50Ad9Rd9tNTJyM7KLI1pPANNmCuONq50oZG9ebuUdsYs96xfcbyBxaN342LpDSuYOq9gUxG_zMNdvnOSIh9xjHAO0ZyCh0x78i5WVJ72UZIn0dL_xRvgHRWOMJ","theme":"fhfa","theme_token":null},"ajaxTrustedUrl":{"\/suspended-counterparties-list":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. 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Ceilings + +C4 + +Partially Updated + +Moderately Updated + +Moderately Updated + +Carpet, Vinyl + +Carpets, Tile, Hardwood + +Carpets, Tile, Hardwood + +8 Ft. Ceilings + +Standard 8-9 Ft. Ceilings + +Standard 8-9 Ft. Ceilings + +C3 + +Fully Updated + +Fully Updated + +Fully Updated + +C4 + +Fully Updated + +Not Updated + +C4 + +Partially Updated + +Moderately Updated + +Moderately Updated + +Moderately Updated + +ADU Interior Quality and Condition + +Location of ADU + +Quality + +Condition + +Dwelling + +Dwelling + +Dwelling + +ADU/Garage + +Q4 + +C4 + +Q4 + +C3 + +Q4 + +C4 + +Q4 + +C4 + +Overall Quality and Condition (Ratings: 1-6, 1 is highest) + +Quality + +Condition + +Property Amenities + +Outdoor Living + +Q4 + +C4 + +Q4 + +C3 $(45,000) + +Q4 + +C4 + +Q4 + +C4 + +Deck | Deck | Patio | Porch + +Deck | Patio +| Porch + +$5,000 + +Deck | Deck | +Patio | Porch + +Deck | Patio + +$10,000 + +Water Features + +Inground Pool - Diving Board + +— $20,000 + +Inground Pool + +$0 + +Inground Pool - +Diving Board + +Vehicle Storage + +Type | Spaces | Detail + +Carport | 2 | Detached +400 Sq. Ft. +Driveway | 4 | Asphalt +Garage | 2 | Attached +528 Sq. Ft. diff --git a/chunks/txt/765b6548e91b9a29694bb6c6f77d430c7f1a2dd7575c14f4a63c541b9893a546.txt b/chunks/txt/765b6548e91b9a29694bb6c6f77d430c7f1a2dd7575c14f4a63c541b9893a546.txt new file mode 100644 index 0000000000000000000000000000000000000000..edf29914f75f6ac3a07e4f436f65839dd575a2dd --- /dev/null +++ b/chunks/txt/765b6548e91b9a29694bb6c6f77d430c7f1a2dd7575c14f4a63c541b9893a546.txt @@ -0,0 +1,3 @@ +Filter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 + +[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/251&order=field_release_date&sort=asc) Report Attachment September 30, 2024 [Annual Performance Plan - FY 2025](/reports/fhfa-annual-performance-plan/2025) [Read Report](/document/fhfa-annual-performance-plan-fy-2025) October 05, 2023 [Annual Performance Plan - FY 2024](/reports/fhfa-annual-performance-plan/2024) [Read Report](/media/51621) October 14, 2022 [Annual Performance Plan - FY 2023](/reports/fhfa-annual-performance-plan/2023) [Read Report](/document/FY2023_APP.pdf) October 29, 2021 [Annual Performance Plan - FY 2022](/reports/fhfa-annual-performance-plan/2022) [Read Report](/document/fhfa-annual-performance-plan-fy-2022) December 31, 2020 [Annual Performance Plan - FY 2021](/reports/fhfa-annual-performance-plan/2021) [Read Report](/media/30156) October 01, 2018 [Annual Performance Plan - FY 2019](/reports/fhfa-annual-performance-plan/2019) [Read Report](/media/29996) March 20, 2018 [Annual Performance Plan - FY 2018](/reports/fhfa-annual-performance-plan/2018) [Read Report](/media/29806) October 03, 2016 [Annual Performance Plan - FY 2017](/reports/fhfa-annual-performance-plan/2017) [Read Report](/media/30451) October 01, 2015 [Annual Performance Plan - FY 2016](/reports/fhfa-annual-performance-plan/2016) [Read Report](/media/29796) February 09, 2015 [Annual Performance Plan - FY 2015](/reports/fhfa-annual-performance-plan/2015) [Read Report](/media/25181) November 04, 2013 [Annual Performance Plan - FY 2014](/reports/fhfa-annual-performance-plan/2014) [Read Report](/media/25056) November 02, 2012 [Annual Performance Plan - FY 2013](/reports/fhfa-annual-performance-plan/2013) [Read Report](/media/25051) April 23, 2012 [Annual Performance Plan - FY 2012](/reports/fhfa-annual-performance-plan/2012) [Read Report](/media/25046) March 14, 2011 [Annual Performance Plan - FY 2011](/reports/fhfa-annual-performance-plan/2011) [Read Report](/document/fhfa-fy-2011-app) January 29, 2010 [Annual Performance Plan - FY 2010](/reports/fhfa-annual-performance-plan/2010) [Read Report](/media/25041) December 15, 2008 [Annual Performance Plan - FY 2009](/reports/fhfa-annual-performance-plan/2009) [Read Report](/media/25031) December 28, 2006 [OFHEO FY 2007 Performance Budget](/reports/fhfa-annual-performance-plan/2007) [Read Report](/media/25126) diff --git a/chunks/txt/766db96820523a8cb54417edbfa8d5dd8044ac82e5ef378c91079b9be7944984.txt b/chunks/txt/766db96820523a8cb54417edbfa8d5dd8044ac82e5ef378c91079b9be7944984.txt new file mode 100644 index 0000000000000000000000000000000000000000..8628a67eddf514700130143ee73561c1e8941f24 --- /dev/null +++ b/chunks/txt/766db96820523a8cb54417edbfa8d5dd8044ac82e5ef378c91079b9be7944984.txt @@ -0,0 +1,32 @@ +, as of + +Freddie Mac Form 465H April 2022 + +Page 3 of 6 + +Fannie Mae Form1073 Hybrid April 2022 + +Individual Condominium Unit Appraisal Report (Hybrid) + +File # + +This report form is designed to report an appraisal of a unit in a condominium project or a condominium unit in a planned +unit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a +cooperative project. + +This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, +statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended +use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may +expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal +assignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do +not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser’s +continuing education or membership in an appraisal organization, are permitted. + +SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the +reporting requirements of this appraisal report form, including the following definition of market value, statement of +assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) obtain and review adequate +and reliable information for the subject property including, but not limited to, property data based on interior and exterior +property data collection, public and/or private data records, and information as described by the appraiser in the appraisal +report, (2) research, verify, and analyze adequate and reliable data from public and/or private sources for the subject market +area, and project, including data for each comparable property reported, and (3) report his or her analysis, opinions, and +conclusions in this appraisal report. diff --git a/chunks/txt/7682b6f00d11fb7ffabfed0e8744771bf4d35de4c263edc8e73f0c44cd199242.txt b/chunks/txt/7682b6f00d11fb7ffabfed0e8744771bf4d35de4c263edc8e73f0c44cd199242.txt new file mode 100644 index 0000000000000000000000000000000000000000..34837e32c7cd482f15d6c8d659c8605f1ea9c31f --- /dev/null +++ b/chunks/txt/7682b6f00d11fb7ffabfed0e8744771bf4d35de4c263edc8e73f0c44cd199242.txt @@ -0,0 +1,34 @@ +campaign_name = null; window.addEventListener('acquiaLiftDecision', function(e) { campaign_name = e.detail.decision_campaign_name; if (window.dataLayer) { window.dataLayer.push({'personalizationCampaignName':campaign_name}); sessionStorage.setItem('campaignName', campaign_name); } }); + +![image](/sites/g/files/koqyhd181/files/icons/2019-11/FNM-AskPoli-Logo-FINAL-black.svg) + +### Have questions? + +Get answers to your policy and guide questions, straight from the source. + +[Get Started **](/applications-technology/ask-poli) + +###### Work with Fannie Mae + +- [Customer Login](/saml/login) + - [Password Reset](https://passwordreset.fanniemae.com/) + - [Not a customer? Get Started](/become-fannie-mae-seller-or-servicer) + +###### Products & Solutions + +- [Mortgage Products & Options](/originating-underwriting/mortgage-products) + - [Technology Apps & Solutions](/applications-technology/applications-technology) + +###### Support & Resources + +- [Customer Service](https://www.fanniemae.com/about-us/single-family-and-multifamily-business-contacts) + - [Guide Forms](/selling-servicing-guide-forms) + - [Learning Center](/learning-center) + - [News & Events](/news-events) + - [Report mortgage fraud](/mortgage-fraud-prevention) + +###### Other Sites + +- [Fannie Mae's Consumer Website](https://www.fanniemae.com/) + - [Duty to Serve](https://www.fanniemae.com/about-us/what-we-do/homeownership/duty-serve) + - [HomePath](https://www.homepath.com/) diff --git a/chunks/txt/7691516d2b7f6dab52e5e64e3aa83f4db3e28a6076ce75b6129f130e316f233d.txt b/chunks/txt/7691516d2b7f6dab52e5e64e3aa83f4db3e28a6076ce75b6129f130e316f233d.txt new file mode 100644 index 0000000000000000000000000000000000000000..ff21c89a0dc63846bc403ef7eb88e3f8a80ff94e --- /dev/null +++ b/chunks/txt/7691516d2b7f6dab52e5e64e3aa83f4db3e28a6076ce75b6129f130e316f233d.txt @@ -0,0 +1,102 @@ +Appendix E: UCD Implementation Guide + +Page 57 of 254 + +Version 1.4 + +Uniform Closing Dataset + +3. 6 MI C # + +3.0 Loan Information + +Mortgage insurance (MI) is any mortgage guarantee (private or government) that provides coverage like MI . If +there is borrower-paid mortgage insurance on a loan, the MIC # (Mortgage Insurance Certificate Number) must +be present on the form. For government loans this will be the Agency Case Number. + +1. PRI VATE MORTGAGE I NSURANCE + +MIC # is the mortgage insurance certificate number issued by a private mortgage insurer (MI) on conventional +loan policies. To identify provider of the MI certificate, the GSEs require that the name of the MI provider also +be provided. (See IV.B.3. To Support Data Clarity.) + +3.0 Loan Information + +3.4 Loan Type  Conventional  FHA + + VA  + +3.5 Loan ID# 123456789 + +3.6 MIC # + +000654321 + +Figure 28. Loan Information – Private MIC # + +Table 41. Loan Information – Private MIC # + +Form Field +Name + +MISMO v3.3.0 Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +MIC # + +…/LOAN_DETAIL + +MIRequiredIndicator + +true + +ID + +3.6 + +Not shown – +indicates need for +additional data +points + +Not shown - Data +Clarity + +…/LOAN/MI_DATA/MI +_DATA_DETAIL + +MICertificateIdentifier + +000654321 + +MICompanyNameType Other + +UID 3.017 GSE (MIC #) + +UID 3.029 N/A – GSE + +MICompanyNameType +OtherDescription + +NonEnumerat +edMICompany + +Not shown - Data +Clarity + +2. GOVERNMENT I NSURANCE /GUARANTEE + +For Non-Conventional (Government) loans, MIC # is the Agency Case Number. + +3.0 Loan Information + +3.4 Loan Type  Conventional  FHA + +Appendix E: UCD Implementation Guide diff --git a/chunks/txt/769704ac842bce6b7cb1a1c8cb98e1ac3cbee12a1a17bfb6d38ac35de687b92f.txt b/chunks/txt/769704ac842bce6b7cb1a1c8cb98e1ac3cbee12a1a17bfb6d38ac35de687b92f.txt new file mode 100644 index 0000000000000000000000000000000000000000..58c612b07134039c3234889851c82918a7385aee --- /dev/null +++ b/chunks/txt/769704ac842bce6b7cb1a1c8cb98e1ac3cbee12a1a17bfb6d38ac35de687b92f.txt @@ -0,0 +1,22 @@ +1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective +owners or occupants of the subject property, or other parties involved in this transaction. + +2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this +report, or the demographics of the area where the property is located. + +3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that +apply to the appraiser and to the assignment. + +4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity), +age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present +or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis +prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law. + +5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to +the assumptions and limiting conditions in this appraisal report. + +6. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in this appraisal +report. + +7. I meet the credential requirements for this assignment as of the date of this appraisal report and have knowledge and experience in +appraising this type of property in this market area. diff --git a/chunks/txt/769fd7e81283770b1bbdf85f22534da8d51e9d7e3fa7b24be0eae6a1dd69e1ad.txt b/chunks/txt/769fd7e81283770b1bbdf85f22534da8d51e9d7e3fa7b24be0eae6a1dd69e1ad.txt new file mode 100644 index 0000000000000000000000000000000000000000..067aeb779522c3ef49363df010d14f39db7f0c8c --- /dev/null +++ b/chunks/txt/769fd7e81283770b1bbdf85f22534da8d51e9d7e3fa7b24be0eae6a1dd69e1ad.txt @@ -0,0 +1,37 @@ +Sketch + +Additional commentary can be added here, if needed by Appraiser. + +ComparableRental + +This data and other rent comparable information gathered from discussions with landlords, owners, and property managers support estimated rents for the subject. Estimated rents have been based on the above rent survey as well as a rental survey of the general area. + +SalesContract + +This is a FSBO. This transaction is between investors with a contract price below market value. + +SubjectListing + +The subject was not listed on the open market. This is a private sale between investors. The appraiser is unaware of any other listings or agreements for sale. + +HighestAndBestUse + +Additional commentary can be added here, if needed by Appraiser. + +OverallQualityAndCondition + +The appraiser's inspection was visual and not technical in nature. Quality and condition ratings are based on the appraiser's observations on the date of inspection. See the defects, damages, and deficiencies table for specifics. + +SubjectPriorSalesAndTransferHistory + +My research revealed no prior transactions within the past 3 years. + +ComparablesPriorSalesAndTransferHistory + +The prior sale for comparable #1 was a market sale listed in the MLS. The original owner was forced to relist the property as a result of an unexpected job transfer. The appraiser was unable to determine the prior sales price for comparable #3. Information from the tax record indicates that the property was transferred as part of an estate settlement/sale. + +VehicleStorage + +Additional commentary can be added here, if needed by Appraiser. + +DisasterMitigation diff --git a/chunks/txt/76a210624fd982d4fd3e1366ee690d0501a923caf00685ef961722cef764bea6.txt b/chunks/txt/76a210624fd982d4fd3e1366ee690d0501a923caf00685ef961722cef764bea6.txt new file mode 100644 index 0000000000000000000000000000000000000000..aad743aee85559911c35e1d2b5979021d16286ef --- /dev/null +++ b/chunks/txt/76a210624fd982d4fd3e1366ee690d0501a923caf00685ef961722cef764bea6.txt @@ -0,0 +1,244 @@ +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +R + +T + +T + +T + +T + +T + +Form FNM 1075 FRE 466 +Appendix B: GSE Appraisal Forms Mapping + +Page 145 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +259 + +260 + +261 + +262 + +263 + +264 + +265 + +266 + +267 + +268 + +269 + +270 + +271 + +272 + +273 + +274 + +275 + +276 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +57 + +58 + +59 + +60 + +61 + +62 + +63 + +64 + +65 + +66 + +67 + +68 + +69 + +70 + +71 + +72 + +73 + +74 + +UNIT +IMPROVEMENTS + +Cooling +Other (describe) + +Cooling Unit +Description + +A free-form text field describing the +primary cooling unit. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/COOLING/@_UnitDes +cription + +UNIT +IMPROVEMENTS + +Amenities +Fireplace(s) + +Amenity Exists +Indicator + +Indicates that the amenity specified by +Amenity Type is present in the structure. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='F +ireplace']/@_ExistsIndicator + +UNIT +IMPROVEMENTS + +Amenities +Fireplace(s) # + +Amenity Count + +The number of the amenities specified by +Amenity Type that are present in the +property. For example two fireplaces. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='F +ireplace']/@_Count + +UNIT +IMPROVEMENTS + +Amenities +Woodstove(s) + +Amenity Exists +Indicator + +Indicates that the amenity specified by +Amenity Type is present in the structure. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type=' +WoodStove']/@_ExistsIndicator + +UNIT +IMPROVEMENTS + +Amenities +Woodstove(s) # + +Amenity Count + +The number of the amenities specified by +Amenity Type that are present in the +property. For example two fireplaces. diff --git a/chunks/txt/76bccfc7576480f18761a74055bd5aebf9c714e753865a5832c98a96ade4e9e8.txt b/chunks/txt/76bccfc7576480f18761a74055bd5aebf9c714e753865a5832c98a96ade4e9e8.txt new file mode 100644 index 0000000000000000000000000000000000000000..762c5b32085e4e15cd0f8f5c73cf846efae99d31 --- /dev/null +++ b/chunks/txt/76bccfc7576480f18761a74055bd5aebf9c714e753865a5832c98a96ade4e9e8.txt @@ -0,0 +1,26 @@ +Technology Type - Any - Appraisal Closing Credit Information Provider Data Validation Provider (all DVS vendors) Default Management (SMDU vendors) Document Preparation eMortgage (eClose, eNote, and eVault ) End-to-End Loan Delivery Loan Origination System Mortgage Insurance Point-of-Sale Pricing & Product Engine QC & Compliance Servicing Name Vendor Product Fannie Mae Product Interface [IBT Apps, Inc. dba IBT Apps/ PowerLender](https://www.powerlender.com/) Power Lender® Loan Origination & Processing System - Desktop Underwriter +- EarlyCheck +- Uniform Closing Dataset File Creation +- Uniform Closing Dataset File Delivery +- Uniform Loan Delivery Dataset [Lender Software Solutions, LLC.](https://www.lender.com/) Lender Optimus Unified Mortgage Experience Platform - Desktop Originator +- Desktop Underwriter [WILQO](https://wilqo.com/) Charlie - Desktop Originator +- Desktop Underwriter +- EarlyCheck [4506-Transcripts.com](https://www.Privateeyesbackgroundchecks.com) 4506-Transcripts - Asset Validation Report Provider +- Tax Transcript Validation Report Supplier [AccountChek by Informative Research](https://www.informativeresearch.com/accountchek/) AccountChek - Asset Validation Report Supplier [Accudata Credit Systems](https://www.accudataservices.com) Accudata Credit Systems - Asset Validation Report Provider +- Tax Transcript Validation Report Provider [Accurate Financial Services](https://www.afsaccounting.com) Sponsor SharperLending - Asset Validation Report Provider +- Credit Information Provider [Accurate Group, LLC](https://www.accurategroup.com/) Archer™ - Property Data API [ACI](https://www.appraisal.com) Appraisal.com - Uniform Collateral Data Portal for UAD 2.6 [ACRAnet, Inc.](https://www.acranet.com) Sponsor SharperLending - Asset Validation Report Provider +- Credit Information Provider +- Income and Employment Validation Report Provider +- Tax Transcript Validation Report Provider [Actualize Consulting](https://www.actualizeconsulting.com) TransformX - Uniform Closing Dataset File Creation +- Uniform Closing Dataset File Delivery [Advanced Data](https://www.advanceddata.com) Advanced Data® Income Tax Verification - Asset Validation Report Provider +- Income and Employment Validation Report Provider +- Tax Transcript Validation Report Supplier [Advantage Credit Bureau](https://www.advantagecreditbureau.com) Sponsor MeridianLink, Inc. - Income and Employment Validation Report Provider +- Tax Transcript Validation Report Provider [Advantage Credit, Inc. of Colorado](https://www.advcredit.com) Sponsor MeridianLink, Inc. - Asset Validation Report Provider +- Credit Information Provider +- Income and Employment Validation Report Provider +- Tax Transcript Validation Report Provider [Advantage Plus Credit Reporting, Inc.](http://www.advpluscredit.com) Sponsor MeridianLink, Inc. - Asset Validation Report Provider +- Credit Information Provider +- Income and Employment Validation Report Provider +- Tax Transcript Validation Report Provider [AIMSdashboard, LLC](https://www.aimsdashboard.com) AIMSdashboard - Uniform Collateral Data Portal for UAD 2.6 [Aivre](https://www.aivre.com/) URAR UAD 3.6, Aivre Analytics, Aivre Adjuster, Aivre Mobile, & GPAR - UAD 3.6 Appraisal Software Provider +- UAD 3.6 Compliance Rules API [Alexander McCabe Appraisal Management Company](https://www.alexandermccabe.com) @Home VMS - Uniform Collateral Data Portal for UAD 2.6 [Alliance 2020](https://www.alliance2020.com) Alliance 2020 - Asset Validation Report Provider +- Income and Employment Validation Report Provider [ALM First Financial](https://www.almfirst.com) Mortgage Pipeline Hedging - Pricing & Execution - Whole Loan Browse Price [American Reporting Company, LLC](https://www.arcreports.com) Sponsor MeridianLink, Inc. diff --git a/chunks/txt/76bd67829d1b32118aeae079128f4d4badf6312c31124ac64183075a81e308a6.txt b/chunks/txt/76bd67829d1b32118aeae079128f4d4badf6312c31124ac64183075a81e308a6.txt new file mode 100644 index 0000000000000000000000000000000000000000..2c57daceba15d9ef5ba1c64839c248609cc140b0 --- /dev/null +++ b/chunks/txt/76bd67829d1b32118aeae079128f4d4badf6312c31124ac64183075a81e308a6.txt @@ -0,0 +1,63 @@ +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/L +OAN/DOCUMENT_SPECIFIC_DATA_SETS/DOCUMENT_SPECIFIC_DATA_SET/INTEGRATED_DISCLOSURE/ESTIMATED_PRO +PERTY_COST/ESTIMATED_PROPERTY_COST_DETAIL + +5.035 + +ProjectedPaymentEstimatedTaxesIn +suranceAssessmentTotalAmount + +356.16 + +UCD v2.0 Implementation Guide + +- 71 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 50. XML Snippet - Example of ETI&A Data. + + +… + + + + + + + + + + + + +Escrowed + PropertyTaxes< + +/ProjectedPaymentEstimatedTaxesInsuranceAssessmentComponentType> + + + + +NotEscrowed + HomeownersInsurance< + +/ProjectedPaymentEstimatedTaxesInsuranceAssessmentComponentType> + + + + +NotEscrowed + HomeownersAssociationDues< + +/ProjectedPaymentEstimatedTaxesInsuranceAssessmentComponentType> + + + + diff --git a/chunks/txt/76c1bbc493c550cab90dc93432deaa5f5fff00445044ef123b4448d334321346.txt b/chunks/txt/76c1bbc493c550cab90dc93432deaa5f5fff00445044ef123b4448d334321346.txt new file mode 100644 index 0000000000000000000000000000000000000000..9d779ee4f5d173a6bb833ca3012d19425ec893e6 --- /dev/null +++ b/chunks/txt/76c1bbc493c550cab90dc93432deaa5f5fff00445044ef123b4448d334321346.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/programs/nmdb" +date_accessed: "2026-01-27T17:54:20.526Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/76c9a5174fd34dde22469d2458f9badd9547e7930703e2e2d61e5e262c12ccbe.txt b/chunks/txt/76c9a5174fd34dde22469d2458f9badd9547e7930703e2e2d61e5e262c12ccbe.txt new file mode 100644 index 0000000000000000000000000000000000000000..7a99c1577a7a50f370ad03aeb7b1ea58649cbe0f --- /dev/null +++ b/chunks/txt/76c9a5174fd34dde22469d2458f9badd9547e7930703e2e2d61e5e262c12ccbe.txt @@ -0,0 +1,121 @@ +Yes No +  +  +  +  +  +  + +Yes No +  + +Units Excluding ADUs +Accessory Dwelling Units +Property Rights Appraised + +1 +0 +Fee Simple + +Is the highest and best use of the subject property as +improved (or as proposed per plans and specifications) +the present use? + +Zoning Compliance + +Legal + +Apparent Defects, Damages, Deficiencies Requiring Action + +There are no apparent defects, damages, or deficiencies requiring action. For details, reference the ‘Reconciliation’ section. + +Appraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1) + +Uniform Residential Appraisal Report + +NEW PG! + +Assignment Information + +Assignment Reason +Borrower Name + +Current Owner of Public Record + +Refinance +James Borrower +Lauren Lightfoot +James Borrower +Lauren Lightfoot + +Property Valuation Method + +Hybrid Appraisal + +Was a Property Data Report used in lieu of an +Inspection? + +Appraiser Fee +AMC Fee + +$0 +$0 + +Page 2 of 22 +Page 2 of 22 + +Yes No +  + +Contact Information + +Client/Lender + +Company Name +Company Address + +Appraisal Management Company + +Company Name +Company Address + +Appraiser + +Name +Designation +Company Name +Company Address + +ABC Mortgage +88888 Idle Dr +Somewhere, MI 91300 + +Imperial AMC +456 Dorothy St +Anywhere, IA 23410 + +Bill Smith +SRA +Spartacus Appraisals +123 Main St +Nowhere, CA 90021 + +Scope of Inspection by Appraiser + +Subject Property Inspection + +Exterior +Interior + +No Inspection +No Inspection + +Property Data Report + +Name +Occupation +Company Name +Company Address + +Reference ID +Subject Property Inspection diff --git a/chunks/txt/76d0fb0540afabd038d3bce79adefc323402670b636f38e70f1ce965b016a616.txt b/chunks/txt/76d0fb0540afabd038d3bce79adefc323402670b636f38e70f1ce965b016a616.txt new file mode 100644 index 0000000000000000000000000000000000000000..77a8751c80afbc084c3f0fd452081489c9632b9a --- /dev/null +++ b/chunks/txt/76d0fb0540afabd038d3bce79adefc323402670b636f38e70f1ce965b016a616.txt @@ -0,0 +1,31 @@ +5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of +hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property or that he or she became aware of +during the research involved in performing this appraisal. Unless otherwise stated in this appraisal report, the appraiser has no +knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, +needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that +would make the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, +express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that +might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental +hazards, this appraisal report must not be considered as an environmental assessment of the property. + +6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to satisfactory +completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject property will be +performed in a professional manner. + +Freddie Mac Form 70D July 2020 + +226 + +Page 4 of 6 + +Fannie Mae Form 1004 Desktop July 2020 + +2 + +Uniform Residential Appraisal Report (Desktop) + +File # 3 + +4 4a + +APPRAISER’S CERTIFICATION: The Appraiser certifies and agrees that: diff --git a/chunks/txt/76d8f1431f0f795d8ae234fd5fdd6b0ac5675c1285ba8d3cdfe4eb54ff275651.txt b/chunks/txt/76d8f1431f0f795d8ae234fd5fdd6b0ac5675c1285ba8d3cdfe4eb54ff275651.txt new file mode 100644 index 0000000000000000000000000000000000000000..d3e7ee25fe6fae9d2e19577f6002490505acfbd4 --- /dev/null +++ b/chunks/txt/76d8f1431f0f795d8ae234fd5fdd6b0ac5675c1285ba8d3cdfe4eb54ff275651.txt @@ -0,0 +1,22 @@ +Fannie Mae will not purchase or securitize a loan secured by a property that is subject to certain land-use regulations, such as +coastal tideland or wetland laws, that create setback lines or other provisions that prevent the reconstruction or maintenance of +the property improvements if they are damaged or destroyed. The intent of these types of land-use regulations is to remove +existing land uses and to stop land development, including the maintenance or construction of seawalls, within specific setback +lines. + +For information regarding accessory dwelling units that comply or do not comply with zoning, see SB4-1.3-05, Dwelling Exterior, +Unit Interior, and Outbuilding Sections of the Appraisal Report. + +Adjoining Properties + +The appraiser must consider the present or anticipated use of any adjoining property that may adversely affect the value or +marketability of the subject property. + +Site Utilities + +For loans to be eligible for purchase or securitization, the utilities of the property must meet community standards. If public +sewer and/or water facilities, those that are supplied and regulated by the local government, are not available, community or +private well and septic facilities must be available and utilized by the subject property. The owners of the subject property must +have the right to access those facilities, which must be viable on an ongoing basis. Private well or septic facilities must be located +on the subject site, unless the subject property has the right to access off-site private facilities and there is an adequate, legally +binding agreement for access and maintenance. diff --git a/chunks/txt/76da8abc859456c3c0b053cfe8e8892055ad5137ab6bad43bdb60b652ea48898.txt b/chunks/txt/76da8abc859456c3c0b053cfe8e8892055ad5137ab6bad43bdb60b652ea48898.txt new file mode 100644 index 0000000000000000000000000000000000000000..f9361dba4af85587199cbf4263951ea0ee71694b --- /dev/null +++ b/chunks/txt/76da8abc859456c3c0b053cfe8e8892055ad5137ab6bad43bdb60b652ea48898.txt @@ -0,0 +1,166 @@ +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: Project Information + +Project +Information +(subsection +heading) + +When subject +or any +comparable is +in a condo, co- +op, or condop, +or if relevant + +Yes +22.02.05 + +Any adjustment for the Project Information subsection is made in this +row. + +Appendix F-1: URAR Reference Guide + +Page 225 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Report Label + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: Project Information + +Report +Field ID + +Not on +Report + +Not on +Report + +Not on +Report + +22.02.01 +22.02.06 + +22.02.06 + +This is an +appraiser +input that +does not +display in the +sales grid + +This is an +appraiser +input that +does not +display in the +sales grid + +This is an +appraiser +input that +does not +display in the +sales grid + +Project Name +| Same +Project as +Subject + +Project Name +| Same +Project as +Subject + +N/A + +Always required + +Yes | No + +N/A + +Always required + +Yes | No + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Free-form + +Required if the +comparable is in a +condo, co-op, or +condop + +Required if the +comparable is in a +condo, co-op, or +condop + +N/A + +When the +subject or any +comparable is +in a condo, co- +op, or condop + +When the +subject or any +comparable is +in a condo, co- +op, or condop + +Subject Property +• + +Property in a PUD +3.010 + +Subject Property +• +Property in a +Project 3.011- +3.012-3.013 diff --git a/chunks/txt/76efeaa7d14f3fc2080620f74a18e3ce45a5ffa6c1dcd5ce5ed5981d7bdeb35e.txt b/chunks/txt/76efeaa7d14f3fc2080620f74a18e3ce45a5ffa6c1dcd5ce5ed5981d7bdeb35e.txt new file mode 100644 index 0000000000000000000000000000000000000000..775716f736150272dd06e09a5be44f65d844550f --- /dev/null +++ b/chunks/txt/76efeaa7d14f3fc2080620f74a18e3ce45a5ffa6c1dcd5ce5ed5981d7bdeb35e.txt @@ -0,0 +1 @@ +if (window.ytcsi) {window.ytcsi.tick('gcc', null, '');} (function() {var element = document.querySelector('#player-placeholder'); 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Comments must use +IncomeAnalysisCommentDescription (UID: 1200.0007, FID: 24.025). + +Income Approach Exhibits + +The Income Approach Exhibits subsection always displays when Income Approach section is included. All text must display above the image +in bold font. + +Map of GRM Comparables + +A map showing the subject property and all GRM comparables must be provided and is delivered in the instance of PROPERTY where +@ValuationUseType (UID: 0100.0043, FID: Not on report) = “SubjectProperty”. + +Appendix B-1: URAR Implementation Guide v1.3 + +• The map must be delivered using ImageCategoryType (UID: 1400.0638, FID: 24.026.1) = “GrossRentMultiplierComparableMap”. When +it displays in the Income Approach Exhibits subsection the caption “Map of GRM Comparables” displays above the map in bold font. diff --git a/chunks/txt/7712d782dc0284e629349c35148951fbca112866ba227f0331e26fa3dab52a58.txt b/chunks/txt/7712d782dc0284e629349c35148951fbca112866ba227f0331e26fa3dab52a58.txt new file mode 100644 index 0000000000000000000000000000000000000000..67ae43f1c8df5934606302f960a3b64b7c882099 --- /dev/null +++ b/chunks/txt/7712d782dc0284e629349c35148951fbca112866ba227f0331e26fa3dab52a58.txt @@ -0,0 +1,3 @@ +Column Descriptions for Legacy Forms Mapping ............................................................................................................................................................................................................................................................... 4 + +Legacy Forms Mapping ...................................................................................................................................................................................................................................................................................................... 5 diff --git a/chunks/txt/77171c4e5b2d60b7cc839e1d3d1bd911877e9207880f26be567be16d79d3d055.txt b/chunks/txt/77171c4e5b2d60b7cc839e1d3d1bd911877e9207880f26be567be16d79d3d055.txt new file mode 100644 index 0000000000000000000000000000000000000000..d40ce2f098eaaae6ca04e9de931c8caabda3cc9e --- /dev/null +++ b/chunks/txt/77171c4e5b2d60b7cc839e1d3d1bd911877e9207880f26be567be16d79d3d055.txt @@ -0,0 +1,17 @@ +- Foreclosure rescue arrangements that include demands for up-front fees, deed transfers, or mortgage payments to someone other than the existing loan servicer; + - Debt elimination offers that promise settlement of mortgage debts or credit repair in exchange for up-front fees; and + - Loan modification scams involving payment of up-front fees in exchange for negotiation of more favorable terms with lenders. + +#### Recurring Cyber-Enabled Fraud Schemes + +Cyber-enabled fraud is an increasing risk for both borrowers and the industry at large. Cyber-enabled fraud can target the mortgage origination process and the operations of mortgage industry participants. + +Beware of common cyber-fraud schemes that include: + +- Phishing – fraudulent emails, phone calls, or text messages purporting to be from a reputable source seeking personal information, passwords, financial information, or payments; + - Email Account Compromise – unauthorized access to a valid email address used to gain the email account holder’s personal or financial information and/or induce such person’s contacts to send fraudulent payments; and + - Fraudulent Websites – fraudulent copies or look-alikes of official websites (generally in the financial services industry) used to obtain personal or financial information and/or payments from victims. + +#### Natural Disaster-Related Fraud Schemes and Prevention Tips + +Be aware that when a natural disaster occurs, fraudsters may employ schemes to try to steal your sensitive person information, money, or home. Assistance to homeowners and renters is available through FEMA and other programs; however, scammers are increasing their attempts to harm homeowners, mortgage borrowers, and renters through housing scams, relief scams, and mortgage fraud. diff --git a/chunks/txt/7725d978957be829ded05e293c657a08f1ed902a66dc64c5ef3683a0ef6e9cc5.txt b/chunks/txt/7725d978957be829ded05e293c657a08f1ed902a66dc64c5ef3683a0ef6e9cc5.txt new file mode 100644 index 0000000000000000000000000000000000000000..90846cbf55b697640c920ebc9f74eee1f5e96113 --- /dev/null +++ b/chunks/txt/7725d978957be829ded05e293c657a08f1ed902a66dc64c5ef3683a0ef6e9cc5.txt @@ -0,0 +1,67 @@ +Lien Status: Lien Status is a modified + +HMDA data element that indicates +whether the property is Secured by a +First Lien, or Secured by a Subordinate +Lien.164 The current PUDB Multifamily +Census Tract File discloses lien status +for purchased loans without +modification, in conformance with the +CFPB Privacy Guidance, and will +continue to do so.165 + +Loan Purpose (Purchase, Refinancing, +and Home Improvement): Loan Purpose +is a modified HMDA data element that +indicates whether the loan was for +Purchase, Refinancing, Cash-Out +Refinancing, Home Improvement, or +Other.166 The Loan Purpose values for +Purchase, Refinancing, and Home +Improvement are disclosed in the +current PUDB Multifamily Census Tract + +159 84 FR at 656. +160 12 CFR 1003.4(a)(9)(ii). +161 84 FR at 656. +162 12 CFR 1003.4(a)(11). +163 See FHFA 2010 Order, 75 FR at 41186. +164 12 CFR 1003.4(a)(14). The CFPB modified this + +data element to include the lien status for +purchased loans. 80 FR at 66201. Since FHFA +already requires the Enterprises to report all data +they possess, regardless of HMDA loan purchaser +requirements, this modification does not impact the +Enterprise data. + +165 84 FR at 656. +166 12 CFR 1003.4(a)(3). + +File without modification, and will +continue to be disclosed in this manner +in the Census Tract File, in conformance +with the CFPB Privacy Guidance.167 +(The new Loan Purpose value for Cash- +Out Refinancing is discussed separately +above in Section II.C.1.) + +3. HMDA Multifamily Data Elements +Not Collected by the Enterprises and +Not Included in the PUDB + +Based on the review of the + +Enterprises’ data mapping submissions, +FHFA concluded that the HMDA +multifamily data elements listed below +are not collected by the Enterprises from +loan sellers, or are related to loan types +not purchased by the Enterprises, and +are, thus, not available for reporting. +FHFA does not require the Enterprises, +while in conservatorship, to collect data +from loan sellers solely to populate the +PUDB. Accordingly, these data elements +are not available for inclusion in the +Multifamily PUDB. diff --git a/chunks/txt/7728e90f677dfc3ae9305234c5e9e3f4e4c23745a124751ef94de156a09242d4.txt b/chunks/txt/7728e90f677dfc3ae9305234c5e9e3f4e4c23745a124751ef94de156a09242d4.txt new file mode 100644 index 0000000000000000000000000000000000000000..574b396ae7e7bbb1fad4810b7f25501539322981 --- /dev/null +++ b/chunks/txt/7728e90f677dfc3ae9305234c5e9e3f4e4c23745a124751ef94de156a09242d4.txt @@ -0,0 +1,107 @@ +23.05.03 + +23.02.03.1 | 23.02.03.2 + +(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1) +(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21) + +23.05.01.1 | 23.05.01.2 + +23.05.02.1 | 23.05.02.2 + +Uniform Residential Appraisal Report + +HF.001 + +Page [Page] of [Pages] + +Income Approach + +Gross Rent Multiplier Comparables + +Property Address + +24.000 24.009 + +Subject Property + +Comparable # + +24.008 + +Comparable # + +Comparable # + +24.000.1 24.009.1 + +Data Source + +Proximity to Subject + +Units Excluding ADUs + +Accessory Dwelling Units + +Gross Building Finished Area + +Rent Control + +24.005 +Sale Price + +Sale Date + +Gross Monthly Rent + +Gross Rent Multiplier + +Comparable Weight + +24.001 + +24.002 + +24.003 + +24.004 + +24.006 + +24.007 + +Indicated Value by Income Approach + +24.010 + +24.011 + +24.012 + +24.013 + +24.014 + +24.015 + +24.016 + +24.017 + +24.018 + +24.019 + +24.020 + +24.021 + +Total Monthly Market Rent + +× + +Gross Rent Multiplier + += + +Indicated Value by Income Approach diff --git a/chunks/txt/772f71d28cd64bfb139daaa97aa22dba9ee8a6b203c783e6b0d901bf4c0706ac.txt b/chunks/txt/772f71d28cd64bfb139daaa97aa22dba9ee8a6b203c783e6b0d901bf4c0706ac.txt new file mode 100644 index 0000000000000000000000000000000000000000..8f306d700b1558a5d4e8add5afccf8fc7c8ab81b --- /dev/null +++ b/chunks/txt/772f71d28cd64bfb139daaa97aa22dba9ee8a6b203c783e6b0d901bf4c0706ac.txt @@ -0,0 +1,39 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +## Breadcrumb + +- [Home](/) + - [​FHFA AT-A-GLANCE](/about) + - Do Business With Us + +# Do Business with Us + +Welcome to FHFA Contracting Operations. We are pleased you are interested in doing business with us. It is especially important to understand how FHFA contracting works because FHFA is structured differently than many other federal agencies. FHFA's contracting program deals daily with the diverse needs and specialized requirements of both our mission divisions and partnering offices. We are responsible for procuring all goods and services, including information technology, required by FHFA, so we need a lot of good businesses to help us meet all those needs. diff --git a/chunks/txt/7741a37e0231b4fd437af5b7894a46162fd41882b9760eb61cacb4b8ce257f48.txt b/chunks/txt/7741a37e0231b4fd437af5b7894a46162fd41882b9760eb61cacb4b8ce257f48.txt new file mode 100644 index 0000000000000000000000000000000000000000..2723690ce21a1204c5975acdde0eb2065dddd3bb --- /dev/null +++ b/chunks/txt/7741a37e0231b4fd437af5b7894a46162fd41882b9760eb61cacb4b8ce257f48.txt @@ -0,0 +1,150 @@ +6.0 Costs at Closing + +The Closing Costs amounts are presented in the first row as illustrated by Figure 72. The data points used to +provide this information are shown in Table 90. + +Table 90. Closing Costs + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point + +MISMO v3.3.0 +Value + +Notes + +First Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY + +9712.10 + +ROF as $9,712.10 + +6.1.1 + +Closing Costs +(amount) + +6.1 + +Closing Costs + +6.1.4 + +___ in Lender +Credits + +6.1.4 + +___ in Lender +Credits + +…/NTEGRATED_DIS +CLOSURE_SECTION +_SUMMARY/INTEG +RATED_DISCLOSUR +E_SECTION_SUMM +ARY_DETAIL + +IntegratedDisclosur +eSectionTotalAmou +nt + +IntegratedDisclosur +eSectionType + +IntegratedDisclosur +eSubsectionType + +TotalClosingCosts + +LenderCredits + +…/INTEGRATED_DI +SCLOSURE_SUBSEC +TION_PAYMENT + +IntegratedDisclosur +eSubsectionPayme +ntAmount + +0.00 + +ROF as “Closing +Costs” + +Represented on +from as “in Lender +Credits” + +If the amount of +lender credits is +zero, the data point +must still be +delivered with “0”. + +Second Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY + +6.1.2 + +___ in Loan Costs + +6.1.2 + +___ in Loan Costs + +…/INTEGRATED_DI +SCLOSURE_SECTIO +N_SUMMARY_DET +AIL + +IntegratedDisclosur +eSectionTotalAmou +nt + +IntegratedDisclosur +eSectionType + +4694.05 + +ROF as $4,694.05. + +TotalLoanCosts + +ROF as “in Loan +Costs” + +Third Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY + +6.1.3 + +6.1.3 + +___ in Other Costs …/INTEGRATED_DI +SCLOSURE_SECTIO +N_SUMMARY_DET +AIL + +___in Other Costs + +IntegratedDisclosur +eSectionTotalAmou +nt + +IntegratedDisclosur +eSectionType + +5018.05 + +ROF as $5,018.05 + +TotalOtherCosts + +ROF as “in Other +Costs” diff --git a/chunks/txt/775246ba2978f229ea903d4fb93e650f98c269cac239815794bda52420537201.txt b/chunks/txt/775246ba2978f229ea903d4fb93e650f98c269cac239815794bda52420537201.txt new file mode 100644 index 0000000000000000000000000000000000000000..31619b667913309753b245e51e27a43bb99ddc23 --- /dev/null +++ b/chunks/txt/775246ba2978f229ea903d4fb93e650f98c269cac239815794bda52420537201.txt @@ -0,0 +1,122 @@ +2500.0153 + +LineOfCreditMaximumAmount + +Display when LineOfCreditIndicator = "true" +Display as "Maximum:" and amount and "Drawn:" and amount (each on a +separate line within the cell). (Figure 18 - 2) + +Balloon Mortgage + +2500.0036 + +BalloonIndicator + +Display for each LienPriorityType + +Appendix B-1: URAR Implementation Guide v1.3 + +Report +Field ID +18.032 +18.041 +18.050 +18.059 +18.033 +18.042 +18.051 +18.060 +18.034 +18.043 +18.052 +18.061 +18.035 +18.044 +18.053 +18.062 + +18.036 +18.045 +18.054 +18.063 + +Report Label + +Unique ID MISMO Data Point Name + +Display Rules + +Project Information: Cooperative Information (Project Blanket Financing) + +Page 249 + +Remaining Term + +2500.0041 + +LoanRemainingMaturityTermMonthsCount + +For each LienPriorityType display count with text "months" + +Monthly Payment + +Interest Rate + +2500.0042 + +PaymentAmountAvailableIndicator + +2500.0045 + +TotalPaymentAmount + +2500.0037 + +CurrentInterestRatePercent + +2500.0038 + +InterestRateAvailableIndicator + +For each LienPriorityType, when PaymentAmountAvailableIndicator = "true" +display TotalPaymentAmount, when “false”, display "Unknown". + +For each LienPriorityType, when InterestRateAvailableIndicator = "true" +display CurrentInterestRatePercent, when “false” display “Unknown” + +Amortization Type + +2500.0034 + +AmortizationType + +Display for each LienPriorityType + +Pro Rata Share of +Balance Attributable +to Unit + +2500.0154 + +LineOfCreditDrawnProRataShareAttributableToUnitA +mount + +2500.0152 + +LineOfCreditMaximumProRataShareAttributableToU +nitAmount + +2500.0044 + +UPBProRataShareAttributableToUnitAmount + +Display for each LienPriorityType, when LineOfCreditIndicator = "true" +− Display as "Drawn:" followed by the amount (each on a separate line within +the cell). (Figure 18 - 2) +− Calculated: ProRataSharePercent * LineOfCreditDrawnAmount +Display for each LienPriorityType, when LineOfCreditIndicator = "true" +− Display as "Maximum:" followed by the amount (each on a separate line +within the cell). (Figure 18 - 2) +− Calculated: ProRataSharePercent * LineOfCreditMaximumAmount +Display for each LienPriorityType, when LineOfCreditIndicator = "false" +− Calculated: ProRataSharePercent * UPBAmount (for each lien) diff --git a/chunks/txt/7752933206ca46bb95a093ede2f2e6a77a73d7093d8e06e0413e4aad4b2159de.txt b/chunks/txt/7752933206ca46bb95a093ede2f2e6a77a73d7093d8e06e0413e4aad4b2159de.txt new file mode 100644 index 0000000000000000000000000000000000000000..7968c65b99f2c6322fc4d05ecd21caaad5d908e7 --- /dev/null +++ b/chunks/txt/7752933206ca46bb95a093ede2f2e6a77a73d7093d8e06e0413e4aad4b2159de.txt @@ -0,0 +1,43 @@ +UCD proprietary EXTENSION to allow additional QM data. + +N O T E : The INTEREST_ONLY structure which followed HIGH_COST_MORTGAGE in the UCD v1.5 Spec has been removed. + +1. HIGH-COST MORTGAGES + +In 2010 the Dodd-Frank Act expanded the scope to include purchase-money mortgages and Home Equity Lines of Credit +(HELOCs). HOEPA coverage tests must be applied to these loans to determine whether they are high-cost mortgages. The +tests include, but are not limited to, the following loan characteristics for the tests: + +a. Annual percentage rate (APR) + +b. Average Prime Offer Rate (APOR) + +c. The total amount of points and fees paid as part of the transaction less bona fide excluded discount points and less + +bona fide third party fees. + +d. Bona fide third-party fees (not retained by the lender, loan originator, or their affiliates) + +e. Discount points (reduce the interest rate in line with established industry practice) + +f. Excluded bona fide discount points (in compliance with the Regulation certain excluded discount points are not + +included in the total of points and fess) + +The HIGH_COST_MORTGAGES structure holds data points supporting the HOEPA coverage tests. + +UCD v2.0 Implementation Guide + +- 105 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +2. LOAN PRICE QUOTE INTEREST RATE PERCENT + +An additional data point assisting with the application of high-cost mortgage tests is LoanPriceQuoteRatePercent, the only +data point in the XML file contained in the LOAN_PRODUCT structure. UCD v2.0 has added Implementation Notes about the +value expected in this data point. diff --git a/chunks/txt/775cfe1b235128559a30c1ccabafc30fefeb535382089d66efb87a55c9c0bbee.txt b/chunks/txt/775cfe1b235128559a30c1ccabafc30fefeb535382089d66efb87a55c9c0bbee.txt new file mode 100644 index 0000000000000000000000000000000000000000..316377c69e4c67e253161203ca86357387c02b0e --- /dev/null +++ b/chunks/txt/775cfe1b235128559a30c1ccabafc30fefeb535382089d66efb87a55c9c0bbee.txt @@ -0,0 +1,70 @@ +GSE Quality Of +Construction Rating +Type + +The overall rating of the property's quality +of construction. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON +_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@ +ExtensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM +PARISON_DETAIL/@GSEQualityOfConstructionRatingType + +19 + +10 + +20 + +10 + +2 + +String + +Money + +String + +Money + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +If a view factor not on the list provided materially affects the value of the property, the +appraiser must select “other” and enter a description of the view associated with the +property. Free-form descriptions should be entered carefully because data will be +truncated on the appraisal report form if it exceeds available space for that field. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +PDF Display Format: +Whole dollars only. + +UAD Instruction - Refer to Appendix D Sales Comparison Approach Section + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +PDF Display Format: +Whole dollars only. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +Enumerated + +Allowable Values +Q1 +Q2 +Q3 +Q4 +Q5 +Q6 + +This field is required if the value of field e-6 +(GSE View Type) is 'Other'. diff --git a/chunks/txt/776fe317582e2a294c0a51f1e64665a141a55fc14db05b1b7a61681870f703be.txt b/chunks/txt/776fe317582e2a294c0a51f1e64665a141a55fc14db05b1b7a61681870f703be.txt new file mode 100644 index 0000000000000000000000000000000000000000..586618d1daf03d4f3972109c0068f0893ad6356a --- /dev/null +++ b/chunks/txt/776fe317582e2a294c0a51f1e64665a141a55fc14db05b1b7a61681870f703be.txt @@ -0,0 +1,57 @@ +Desktop Underwriter/Desktop Originator Release Notes +DU Version 11.1 Nov. Update + +Oct. 4, 2023 + +Updated Oct. 25, 2023 + +During the weekend of Nov. 18, 2023, Fannie Mae will update Desktop Underwriter® (DU®) Version 11.1, which will include the +changes described below. Unless specified below, the changes in this release will apply to DU Version 11.1 loan casefiles +submitted or resubmitted on or after the weekend of Nov. 18, 2023. + +The changes in this release include the following: +▪ LTV Ratios +▪ Risk and Eligibility Assessment (added Oct. 25, 2023) +▪ HomeStyle® Energy +▪ Social Security Number Message Retirement +▪ Liability Payment includes Taxes and Insurance Indicator +▪ Updates to Align with the Selling Guide + +LTV Ratios + +To expand access to credit and provide support for affordable rental housing, the maximum allowable LTV, CLTV, and HCLTV +ratios for two- to four-unit, principal residence, purchase and limited cash-out transactions will be updated to 95%. This change +will not apply to high-balance mortgage loans and loans that are manually underwritten. The table below highlights the updated +LTV ratios. + +Standard Eligibility Requirements – Desktop Underwriter Version 11.1 +Excludes: High LTV Refinance and Manufactured Housing + +Transaction Type +Principal Residence + +Purchase +Limited Cash-Out Refinance + +Number of Units + +Maximum LTV, CLTV, HCLTV + +1 Unit + +2 Units +3 – 4 Units + +FRM: 97% +ARM: 95% +FRM/ARM: 95% (currently 85%) +FRM/ARM: 95% (currently 75%) + +HomeReady® Eligibility Requirements – Desktop Underwriter Version 11.1 +Excludes: High LTV Refinance and Manufactured Housing + +Principal Residence +Purchase +Limited Cash-Out Refinance +Purchase +Limited Cash-Out Refinance diff --git a/chunks/txt/777b61e152fb5d8f480a522d028f0b1886991b2ac7d2579a32bf5814a6dc6cac.txt b/chunks/txt/777b61e152fb5d8f480a522d028f0b1886991b2ac7d2579a32bf5814a6dc6cac.txt new file mode 100644 index 0000000000000000000000000000000000000000..ca1f898f6be91e786397d8d865bb0be0addf9d27 --- /dev/null +++ b/chunks/txt/777b61e152fb5d8f480a522d028f0b1886991b2ac7d2579a32bf5814a6dc6cac.txt @@ -0,0 +1,161 @@ +616 + +AboveGrade + +1960 + +LevelOne + +0 + +AboveGrade + +1344 + +LevelTwo + +0 + +0 + +616 + +0 + +0 + +3304 + +640 + +false + +5 + +1st Floor + +3 + +1 + +C4 + +Q4 + +3 + +Mid Grade Finishes + +ModeratelyUpdated + +Similar + +Primary Dwelling + +false + +Vacant + +The 1st floor primary bedroom bath was gut renovated approximately 2-3 years ago with upgrades to the shower, addition of a large soaking tub, upgraded ceramic tile in the shower and floors, custom built vanity with marble countertop and upgraded fixtures and lighting. The kitchen cabinets were re-faced, and new solid surface countertops installed along with new appliances and lighting fixtures. The carpet was replaced throughout approximately 5-6 years ago with upgraded carpet on the first floor (including primary bedroom) and below grade family room. The 2nd floor carpeting was also replaced, however with standard grade carpet. + +false + +BelowGradeOne + +FamilyRoom + +Bedroom1 + +\\Images\SF4_Bedroom1.png + +image/png + +LevelOne + +Bedroom + +LevelOne + +DiningRoom + +LevelOne + +FamilyRoom + +Bath1 + +\\Images\SF4_FullBath1.png + +image/png + +LevelOne + +Recently updated + +NewOrLikeNew + +Upgraded shower, fixtures, floor + +FullBathroom + +OneToFiveYears + +FullyUpdated + +\\Images\SF4_HalfBath.png + +image/png + +LevelOne + +Recently updated + +NewOrLikeNew + +Upgraded fixtures + +HalfBathroom + +OneToFiveYears + +PartiallyUpdated + +\\Images\SF4_Kitchen.png + +image/png + +LevelOne + +Recently updated + +NewOrLikeNew + +Upgraded counters + +Mid Grade Quality + +Kitchen + +OneToFiveYears + +PartiallyUpdated + +LevelOne + +LivingRoom + +Bedroom 2 + +\\Images\SF4_Bedroom2.png + +image/png + +LevelTwo + +Bedroom + +Bedroom 3 + +\\Images\SF4_Bedroom3.png + +image/png diff --git a/chunks/txt/779c73a3b5c852cd904332cfb987efc754b93ca515a81721c56c93e6ad90ae6c.txt b/chunks/txt/779c73a3b5c852cd904332cfb987efc754b93ca515a81721c56c93e6ad90ae6c.txt new file mode 100644 index 0000000000000000000000000000000000000000..6e2b413e56f3201797ddf6e588207800a9c1042d --- /dev/null +++ b/chunks/txt/779c73a3b5c852cd904332cfb987efc754b93ca515a81721c56c93e6ad90ae6c.txt @@ -0,0 +1,32 @@ +21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided +significant real property appraisal assistance. + +22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is +unauthorized and I will take no responsibility for it. + +Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 22 of 22 +Page 22 of 22 + +Certifications (continued) + +23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will +receive this appraisal report. + +24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject +to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that +pertain to disclosure or distribution by me. + +25. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the +mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data +collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any +state, the District of Columbia, or other jurisdictions. Any of the foregoing persons or entities who receive this appraisal report may choose to +store, copy, reproduce, analyze, use and distribute the data in the appraisal report for internal or external purposes without having to obtain +the appraiser’s or supervisory appraiser’s (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or +distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). A +person or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as +an intended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to +the mortgage finance transaction and related activities for which this appraisal report was prepared. diff --git a/chunks/txt/779d7e1e51d58cb494c50e11916af610680a511c1029705296ce4219d50431f4.txt b/chunks/txt/779d7e1e51d58cb494c50e11916af610680a511c1029705296ce4219d50431f4.txt new file mode 100644 index 0000000000000000000000000000000000000000..3a1a7af24896f687cf64c5156e7d025f0449431a --- /dev/null +++ b/chunks/txt/779d7e1e51d58cb494c50e11916af610680a511c1029705296ce4219d50431f4.txt @@ -0,0 +1,76 @@ + + + + + + + +Beta Card, Inc. + + + + + + +30000.00 + + + + + +… + + *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/7802280987c55437b1940047890ecc696efc5b6bbac9229485a56673d24d6b15.txt b/chunks/txt/7802280987c55437b1940047890ecc696efc5b6bbac9229485a56673d24d6b15.txt new file mode 100644 index 0000000000000000000000000000000000000000..e660c5a018b445b03b93386f44014080c5853b00 --- /dev/null +++ b/chunks/txt/7802280987c55437b1940047890ecc696efc5b6bbac9229485a56673d24d6b15.txt @@ -0,0 +1,102 @@ +Display when the borrower is a legal entity + +When not provided, do not display report label. + +Appraiser Fee + +Not on +report + +08.002 + +AMC Fee + +Not on +report + +08.003 + +Not on +report + +08.003 + +Appraiser Fee + +1000.0166 FeeType + +Display when FeeType = “AppraisalFee” AND Exists + +1000.0167 ProvidedServiceActualCostAmount + +When not provided, do not display report label. + +AMC Fee + +AMC Fee + +1000.0156 FeeType + +Display when FeeType = “AppraisalManagementCompanyFee” AND Exists + +1000.0157 ProvidedServiceActualCostAmount + +1000.0143 FeeType + +1000.0144 ProvidedServiceActualCostAmount + +Display when FeeType = “AppraisalManagementCompanyFee” AND +PartyRoleType = “Client” AND Exists. + +Government Agency + +Government +Agency + +Not on +report + +08.004 + +1000.0122 GovernmentAgencyAppraisalIndicator + +When “false”, do not display report label. + +When not provided, do not display report label. + +1000.0123 GovernmentAgencyAppraisalType + +Required when GovernmentAgencyAppraisalIndicator = “true” + +Investor Requested Special Identification + +When not provided, do not display report label. + +Page 33 + +Report +Field ID + +08.005 + +Report Label + +Unique ID MISMO Data Point Name + +Display Rules + +Completion Report – Assignment: General Information + +Investor Requested +Special +Identification + +1000.0126 + +InvestorRequestedIdentificationCode When not provided, do not display report label. + +Appraiser Fee and AMC Fee + +Appraiser Fee and AMC Fee, when provided, are each a type-value pair in the XML that is included in the corresponding instance of PARTY. (Figure 08 -1) + +• Appraiser Fee, when provided, is included in the instance with PartyRoleType (UID: 2200.0136, FID: Not on report) = “Appraiser”, as described in diff --git a/chunks/txt/780f1433b57ca80b85787bfb8db5863b5da0145c96bfe413c3b653f895fcf75f.txt b/chunks/txt/780f1433b57ca80b85787bfb8db5863b5da0145c96bfe413c3b653f895fcf75f.txt new file mode 100644 index 0000000000000000000000000000000000000000..9da30442087c9dfac6d7c01a2887518b58b4b554 --- /dev/null +++ b/chunks/txt/780f1433b57ca80b85787bfb8db5863b5da0145c96bfe413c3b653f895fcf75f.txt @@ -0,0 +1,87 @@ +Uniform Appraisal Dataset (UAD) Specification +Issued by Fannie Mae and Freddie Mac +Appendix F-3: Completion Report Reference Guide +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. + +Uniform Appraisal Dataset + +Revision History + +Revision History + +Date + +Version + +Reference Guide +Chapter + +Change # + +Revision Description + +6/10/2025 + +1.3 + +09 Certifications and +Intended Use / User + +2025-036 + +See Appendix C-3 for all possible Certifications and Intended Use / User text that may +display. + +9/17/2024 + +1.2 + +12/12/2023 + +1.1 + +Header and Footer + +2024-028 Updated date in footer to September 2024. + +02 Original Appraisal + +2024-021 + +Updated allowable answers for Original Market Value Condition (02.003), deleted Final +Value Condition Description (02.007), and updated the ‘Definition / Additional Guidance’ +column for Final Value Condition Statement (02.007). + +03 Itemized List of +Repairs + +04 New Observed +Items for Repair + +2024-018 + +Updated the ‘Definition / Additional Guidance’ column for Affects Soundness or Structural +Integrity (03.004) to clarify that the field is as noted in the original appraisal report. + +2024-018 + +Corrected the ‘Definition / Additional Guidance’ column for Description (04.003) to +remove the word “original.” + +05 Completion Status + +2024-019 Updated Completion Status Example 3. + +06 Completion Report +Commentary + +2024-019 + +Added Note in the ‘Definition / Additional Guidance’ column for Completion Report +Commentary (06.001) to clarify that the appraiser should avoid commenting on the impact +to value. diff --git a/chunks/txt/7812db67674d2de9e51d68e43745356d51b15c03806260b948749f083b80c8d9.txt b/chunks/txt/7812db67674d2de9e51d68e43745356d51b15c03806260b948749f083b80c8d9.txt new file mode 100644 index 0000000000000000000000000000000000000000..580c8c06bcad7bd3b1cb1f7de362dbadc9b375c6 --- /dev/null +++ b/chunks/txt/7812db67674d2de9e51d68e43745356d51b15c03806260b948749f083b80c8d9.txt @@ -0,0 +1,125 @@ +Exterior Feature +Description + +A free-form text field used to describe +the exterior feature. + +158 + +IMPROVEMENTS + +Exterior Description +Screens + +Exterior Feature +Description + +A free-form text field used to describe +the exterior feature. + +159 + +IMPROVEMENTS + +160 + +IMPROVEMENTS + +161 + +IMPROVEMENTS + +162 + +IMPROVEMENTS + +Interior +Floors + +Interior +Walls + +Interior +Trim/Finish + +Interior +Bath Floor + +163 + +IMPROVEMENTS + +Interior +Bath Wainscot + +Interior Feature +Condition +Description + +Interior Feature +Condition +Description + +Interior Feature +Condition +Description + +Interior Feature +Condition +Description + +Interior Feature +Condition +Description + +A free-form text field used to describe +the material used and condition of an +interior feature specified by Interior +Feature Type. +A free-form text field used to describe +the material used and condition of an +interior feature specified by Interior +Feature Type. +A free-form text field used to describe +the material used and condition of an +interior feature specified by Interior +Feature Type. +A free-form text field used to describe +the material used and condition of an +interior feature specified by Interior +Feature Type. +A free-form text field used to describe +the material used and condition of an +interior feature specified by Interior +Feature Type. + +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/FOUNDATION/_CONDITION[@_T +ype='Infestation']/@_ExistsIndicator +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/FOUNDATION/_CONDITION[@_T +ype='Dampness']/@_ExistsIndicator +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/FOUNDATION/_CONDITION[@_T +ype='Settlement']/@_ExistsIndicator +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/EXTERIOR_FEATURE[@_Type='F +oundation' ]/@_Description +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/EXTERIOR_FEATURE[@_Type='W +alls' ]/@_Description +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/EXTERIOR_FEATURE[@_Type='R +oofSurface' ]/@_Description +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/EXTERIOR_FEATURE[@_Type='G +uttersAndDownspouts' ]/@_Description +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/EXTERIOR_FEATURE[@_Type='W +indowType' ]/@_Description +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/EXTERIOR_FEATURE[@_Type='W +indowStormSash']/@_Description +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/EXTERIOR_FEATURE[@_Type='W +indowScreens' ]/@_Description diff --git a/chunks/txt/781408f676348eaf903c21e355b1d41698fb680506db4bf8d0f15f71acb00e25.txt b/chunks/txt/781408f676348eaf903c21e355b1d41698fb680506db4bf8d0f15f71acb00e25.txt new file mode 100644 index 0000000000000000000000000000000000000000..b37f878bab66a43a53cac5ae382dbac4c24a0e30 --- /dev/null +++ b/chunks/txt/781408f676348eaf903c21e355b1d41698fb680506db4bf8d0f15f71acb00e25.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/media" +date_accessed: "2026-01-27T17:47:50.526Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/78181e9cd494a75c6786bc920bbe010628a35c9335d4c0e1735af0c0cc1c1d43.txt b/chunks/txt/78181e9cd494a75c6786bc920bbe010628a35c9335d4c0e1735af0c0cc1c1d43.txt new file mode 100644 index 0000000000000000000000000000000000000000..7bb8836d862e53014b177eefb1b7f24aec007272 --- /dev/null +++ b/chunks/txt/78181e9cd494a75c6786bc920bbe010628a35c9335d4c0e1735af0c0cc1c1d43.txt @@ -0,0 +1,50 @@ +MERS + +Mortgage Electronic Registration System (keeps track of transfers of and modifications to servicing rights and +ownership of the mortgage loans) + +MI + +Mortgage insurance or any functional equivalent + +MIN + +Mortgage Identification Number. A unique 18–digit number assigned to loans registered with MERS + +MISMO® + +Mortgage Industry Standards Maintenance Organization® (the administrator and developer of the electronic +data standards leveraged by the UMDP initiatives) + +MISMO LDD + +MISMO Logical Data Dictionary + +MISMO v3.3.0 +Reference Model / +Structures + +MISMO Version 3.3.0.0 Reference Model Build 299. The hierarchical organization of XML elements +(containers and data points) providing an entity-relationship model of the mortgage life cycle. + +NMLS + +Nationwide Multistate Licensing System & Registry (a secure online licensing system for mortgage loan +originators, lenders, and servicers). + +P&I + +PDF + +QM + +Principal and Interest + +Portable Document Format (an ISO standard file format developed by Adobe to enable documents to be +presented to a user no matter the generating application software, hardware or operating system) + +Qualified Mortgage (A category of loans that have certain, more stable features that help make it more likely +that borrowers will be able to afford their loans; a concept of CFPB’s ATR Rule that requires lenders to make +a reasonable and good faith determination that borrowers are able to pay back the loan. A QM loan is one +where the lender met certain requirements and is assumed to have followed the ability-to-repay rule. The +only type of loan the GSEs may purchase.) diff --git a/chunks/txt/78189b320823f61f58b08b313effff7cb9ba787e8fbb145ec23d4bd8c955cd6f.txt b/chunks/txt/78189b320823f61f58b08b313effff7cb9ba787e8fbb145ec23d4bd8c955cd6f.txt new file mode 100644 index 0000000000000000000000000000000000000000..e56946aeb012fd0866af6cce72be73135dd3721b --- /dev/null +++ b/chunks/txt/78189b320823f61f58b08b313effff7cb9ba787e8fbb145ec23d4bd8c955cd6f.txt @@ -0,0 +1,246 @@ +1350 Riverside Ave, NW +Unit 1627 +Washington, DC 20001 + +Data Source + +Proximity to Subject + +List Price + +Listing Status + +Contract Price + +Sale Price + +Sales Concessions + +Contract Date + +Sale Date + +Days on Market + +Attached/Detached + +Project Information + +Project Name | Same +Project as Subject + +Monthly Fee + +MLS 23412-D | +Assessor Record + +MLS 32481-D | +Assessor Record + +$585,000 + +Pending + +$585,000 + +No + +08/23/2019 + +30 + +0.0 Miles + +$600,000 + +Settled Sale + +— + +$600,000 + +$0 + +$0 + +$0 + +$6,000 + +08/07/2019 + +08/12/2019 + +10 + +Attached + +Attached + +0.0 Miles + +$615,000 + +Settled Sale + +— + +$621,000 + +$0 + +$0 + +$0 + +$5,000 + +07/20/2019 + +08/04/2019 + +25 + +Attached + +MLS 12438-D | +Assessor Record + +0.13 Miles NW + +$570,000 + +Settled Sale + +— + +$570,000 + +No + +06/28/2019 + +07/14/2019 + +40 + +Attached + +$0 + +$0 + +$0 + +XYZ Apartments + +XYZ Apartments | Yes + +XYZ Apartments | Yes + +MNO Apartments | No + +$2,631 + +$2,631 + +$2,631 + +$2,096 + +Common Amenities/Services + +Inground Pool | Theater + +Inground Pool | Theater + +Inground Pool | Theater + +Clubhouse | Fitness Area | +Inground Pool + +Site + +Property Restriction + +Historic Preservation + +Historic +Preservation + +Historic +Preservation + +— + +$10,000 + +Parking Lot | Full +City Street | Partial + +Residential | Full +City Street | Full + +$0 + +Residential | Full +City Street | Full + +$0 + +Residential | Full +Park | Full + +$(10,000) + +View | Range + +Dwelling(s) + +Year Built + +Structure Design + +Heating + +Unit(s) + +Floor Number + +Bedrooms + +Baths - Full | Half + +1971 + +High-rise + +1971 + +High-rise + +1971 + +High-rise + +1965 + +High-rise + +Forced Warm Air | Natural Gas + +Forced Warm Air + +Forced Warm Air + +Forced Warm Air + +$0 + +$0 + +12 + +1 + +1 | 0 diff --git a/chunks/txt/781fd222b3cc085ff47cab98045ba045fe1d12e8516a1676c81ea9cc9220cd14.txt b/chunks/txt/781fd222b3cc085ff47cab98045ba045fe1d12e8516a1676c81ea9cc9220cd14.txt new file mode 100644 index 0000000000000000000000000000000000000000..b13e729e934967ea160969b066047c6892bb6b49 --- /dev/null +++ b/chunks/txt/781fd222b3cc085ff47cab98045ba045fe1d12e8516a1676c81ea9cc9220cd14.txt @@ -0,0 +1,7 @@ +One-to-One Relationship ........................................................................................................ 7 + +One-to-Many Relationship ...................................................................................................... 7 + +Many-to-Many Relationship.................................................................................................... 8 + +Reflexive Relationship ........................................................................................................... 8 diff --git a/chunks/txt/7835c9b224e47a5f5df97c28a0159160e3c10fd8818e8246b0a61e46397e9c6a.txt b/chunks/txt/7835c9b224e47a5f5df97c28a0159160e3c10fd8818e8246b0a61e46397e9c6a.txt new file mode 100644 index 0000000000000000000000000000000000000000..057fcb473bf63d42e1e22141135c54a501150043 --- /dev/null +++ b/chunks/txt/7835c9b224e47a5f5df97c28a0159160e3c10fd8818e8246b0a61e46397e9c6a.txt @@ -0,0 +1,219 @@ +2022 FHLBank Public Use Database + +Effective January 1, 2019 + +Business Name + +Definition + +New Field Name (2019-Present) + +Year +LoanCharacteristicsID +Bank +FIPSStateNumericCode +FIPSCountyCode +CoreBasedStatisticalAreaCode + +Previous Field Name +(Prior to 2019) +Year +Assigned ID +Bank +FIPSStateCode +FIPSCountyCode +MSA + +Year +Loan Characteristics ID +Bank +FIPS State Numeric Code +FIPS County Code +Core Based Statistical Area Code + +CensusTractIdentifier + +Tract + +Census Tract Identifier + +CensusTractMinorityRatioPercent + +MinPer + +Census Tract Minority Ratio Percent + +1 +2 +3 +4 +5 +6 + +7 + +8 + +9 +10 + +CensusTractMedFamIncomeAmount +LocalAreaMedianIncomeAmount + +TraMedY +LocMedY + +Census Tract Median Family Income Amount +Local Area Median Income Amount + +11 + +TotalMonthlyIncomeAmount + +Income + +Total Monthly Income Amount + +12 HUDMedianIncomeAmount + +CurAreY + +HUD Median Income Amount + +13 + +LoanAcquisitionActualUPBAmt + +14 + +LTVRatioPercent + +15 NoteDate +16 +17 + +LoanAcquistionDate +LoanPurposeType + +UPB + +LTV + +MortDate +AcquDate +Purpose + +Loan Acquisition Actual UPB Amount + +LTV Ratio Percent + +Note Date +Loan Acquisition Date +Loan Purpose Type + +18 + +ProductCategoryName + +Product + +Product Category Name + +19 MortgageType + +FedGuar + +Mortgage Type + +20 +21 + +ScheduledTotalPaymentCount +LoanAmortizationMaxTermMonths + +Term +AmorTerm + +Scheduled Total Payment Count +Loan Amortization Max Term Months + +22 MortgageLoanSellerInstType + +SellType + +Mortgage Loan Seller Inst Type + +23 +24 + +BorrowerCount +BorrowerFirstTimeHomebuyer + +25 + +Borrower1Race1Type + +NumBor +First + +BoRace + +Borrower Count +Borrower First Time Homebuyer Indicator + +Borrower1 Race 1 Type + +Year Loan Was Reported +Unique Record ID (not actual loan number) +Name of Federal Home Loan Bank District +2 Digit FIPS State Code +3 Digit FIPS County Code +The Property's Five Digit numeric CBSA; 99999 if +state/county/tract combo is not in a CBSA or MSA +The property's Census Tract of Block Numbering Area +(BNA) +The percentage of the property's census tract +population that is minority. +The property's census tract median family income. +The property's median income for the area based on +the most recent decennial census. +The total monthly qualifying income used for +underwriting in whole dollars for all borrowers on the +loan. +Current median income for a family of four for the area +as established by HUD +The Amount of unpaid principal balance in whole +dollars when acquired by the FHLBank. +The loan-to-value ratio of the mortgage at time of +origination. +Year the mortgage was originated. +Year the mortgage was acquired. +Purpose of Loan: 1 = Purchase, 2 = No-Cash Out +Refinancing, 3 = Second Mortgage, 4 = New +Construction, 5 = Rehabilitation or Home +Improvement, 6 = Cash-out Refinancing, 7 = Other +Product type of Mortgage: 01=Fixed Rate, 02=ARM, +03=No Longer in Use, 04=GPM/GEM, 05=Reverse +Annuity Mortgage, 06=Other, 07-98=Reserved for +future use +Type of Mortgage and whether the mortgage is +guaranteed: 0=Conventional, 1=FHA, 2=VA, 3=USDA +Rural Housing-FSA Guaranteed, 4=HECMs, 5=Title1- +FHA +Term of the Mortgage in Months +For Amortizing Mortgages, term of amortization in +months; 998 if non-amortizing loan +Type of Institution from which the FHLBank acquired +the mortgage. 01=Insured depository institution, +02=Housing Associate, 03=Insurance Company, 04=Non- +Federally Insured CU, 05=Non-Depository CDFI, +06=Other FHLBank, 09=Other +Number of Borrowers +Numeric code indicating whether borrower is a first +time homebuyer. 0 = No, 1 = Yes +Numeric code indicating the race of the Borrower. +1=American Indian or Alaska Native, 2=Asian, 3=Black +or African American, 4=Native Hawaiian or other +Pacific Islander, 5=White, 6=Information not provided +by Borrower, 7=Not Applicable (First or primary +borrower is an institution, corporation or partnership) diff --git a/chunks/txt/785289f43cb4294c0fc4522efa65846f56645e7984d013a0fa37c77e358f35d5.txt b/chunks/txt/785289f43cb4294c0fc4522efa65846f56645e7984d013a0fa37c77e358f35d5.txt new file mode 100644 index 0000000000000000000000000000000000000000..2a1624ab4693ca29ba5fc213092217837f4b5bd5 --- /dev/null +++ b/chunks/txt/785289f43cb4294c0fc4522efa65846f56645e7984d013a0fa37c77e358f35d5.txt @@ -0,0 +1,293 @@ +PropertyPhoto + +\\Images\SF2_Comp4.png + +image/png + +15 + +880000 + +Pending + +25.165169 + +-51.328129 + +Deck + +Deck + +OutdoorLiving + +3 + +IndoorFireplace + +Elevator + +WholeHome + +0 + +Attached + +1 + +true + +1 + +C3 + +Q3 + +true + +true + +FeeSimple + +false + +true + +false + +880000 + +2019-05-01 + +2017-05-30 + +715000 + +Sale + +None + +false + +BusyRoadway + +Park + +1976 + +Full + +Residential + +7890 Some Pl + +Anywhere + +20854 + +MD + +BuiltIn + +Garage + +2 + +0 + +SalesConcessions + +0 + +ContractDate + +0 + +SiteSize + +0 + +View + +0 + +LivingUnitBedroomCount + +5000 + +LivingUnitBathroomCount + +0 + +LivingUnitStandardFinishedAreaAboveGrade + +6000 + +LivingUnitStandardFinishedAreaBelowGrade + +0 + +LivingUnitUnfinishedAreaBelowGrade + +891000 + +SouthWest + +Less + +true + +false + +Other + +Unknown + +256 + +5 + +.03 + +11000 + +Dwelling + +2016 + +false + +272 + +3442 + +420 + +false + +4 + +3 + +2 + +C3 + +Q2 + +RowhouseTownhouse + +Brick + +Wood + +ExteriorWallsAndTrim + +C3 + +Q3 + +1 + +false + +true + +false + +ForcedWarmAir + +PropertyPhoto + +\\Images\SF2_Comp5.png + +image/png + +19 + +890000 + +Pending + +25.165168 + +-51.328130 + +Deck + +Deck + +OutdoorLiving + +1 + +IndoorFireplace + +Elevator + +WholeHome + +0 + +Attached + +1 + +true + +1 + +C3 + +Q3 + +false + +true + +FeeSimple + +false + +true + +false + +true + +880000 + +2019-06-01 + +None + +false + +BusyRoadway + +Park + +2111 + +Full + +Residential + +Partial + +Commercial + +456-B124 + +Client + +Nowhere432159 + +ValuationSoftwareVendor + +Other + +Not applicable for attached properties as prospective purchasers do not consider individual constuction as a method when purchasing this type of property. + +InsufficientData + +Comparables #1, #2, #4, and #5 were given most weight based on proximity and similarities to the subject. Comparables #4 and #5 are under contract and included as additional support for the value estimate. The contract price was verified with the agent for both comparables #4 and #5. diff --git a/chunks/txt/78571c5d816df960306db2f2841a4bdaa16bae236e1d4fec90a33d3db05574a1.txt b/chunks/txt/78571c5d816df960306db2f2841a4bdaa16bae236e1d4fec90a33d3db05574a1.txt new file mode 100644 index 0000000000000000000000000000000000000000..13b0c819667b651f88c9e490041cde12ea1761ea --- /dev/null +++ b/chunks/txt/78571c5d816df960306db2f2841a4bdaa16bae236e1d4fec90a33d3db05574a1.txt @@ -0,0 +1,35 @@ +COVID-19 Retirement + +Lender Letter LL-2021-03 was updated on Feb. 15, 2023, and retired the remaining COVID-19 temporary documentation and +eligibility requirements. The COVID-19 message issued by DU will now be retired. + +Sweat Equity + +Selling Guide Announcement SEL-2023-02 specified updated guidelines for HomeReady loans where sweat equity is being used. +The DU messages issued when sweat equity is provided as an Other Credit (Line M. of Section L4 of the loan application) will be +updated to support this policy change. + +Large Deposits + +DU will issue a new message on purchase transactions reminding lenders when large deposits need to be documented. This +message will specify that the lender must document that any deposit that exceeds a specific dollar amount (50% of the total +qualifying income) is from an acceptable source when depository assets are used to support the amount of funds required and +reserves. + +Note: When assets are validated by the DU validation service, this new message will not be issued. + +Miscellaneous Message Text Changes + +To continue to provide clarity and consistency with the Selling Guide, various DU messages will be updated. + +For More Information + +For more information about these Release Notes, lenders may contact their Fannie Mae Business Account Management Solutions +(BAMS) team, and mortgage brokers should contact their DO sponsoring wholesale lender. For technology considerations, an +Integration Impact Memo will be posted on the Technology Integration page. + +© 2023 Fannie Mae. + +3.24.23 + +3 of 3 diff --git a/chunks/txt/785f96d7153e72e07296361756f4af1ebc0a7354871220e3575a86ce85394a91.txt b/chunks/txt/785f96d7153e72e07296361756f4af1ebc0a7354871220e3575a86ce85394a91.txt new file mode 100644 index 0000000000000000000000000000000000000000..10a41256fd434ea75ede97c94202262a0d7d7916 --- /dev/null +++ b/chunks/txt/785f96d7153e72e07296361756f4af1ebc0a7354871220e3575a86ce85394a91.txt @@ -0,0 +1,84 @@ +/VALUATION_RESPONSE/PROPERTY/SITE +/SITE_UTILITY[@_Type='Electricity']/@_Non +PublicDescription + +25 + +String + +UAD Requirement - Refer to Appendix D Site Section +This field must indicate the source of electric service if present and not public. +If no electric service is present, enter 'None' in the description field. + +Utilities +Gas +Public + +Utilities +Gas +Other + +Site Utility Public +Indicator + +Indicates whether the utility specified +by Site Utility Type is a public utility. + +/VALUATION_RESPONSE/PROPERTY/SITE +/SITE_UTILITY[@_Type='Gas']/@_PublicIndi +cator + +Site Utility Non +Public Indicator + +Indicates whether the utility specified +by Site Utility Type is a non-public +utility. + +/VALUATION_RESPONSE/PROPERTY/SITE +/SITE_UTILITY[@_Type='Gas']/@_NonPublic +Indicator + +UAD Requirement - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates +that the box has not been checked. + +Boolean + +If no gas service is present, indicate 'None' in the description field. + +UAD Requirement - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates +that the box has not been checked. + +Boolean + +1 + +1 + +If no gas service is present, indicate 'None' in the description field. + +Utilities +Gas +Other (describe) + +Site Utility Non +Public Description + +A free-form text field used to describe +the ownership of the utility specified +by Site Utility Type if it is a non- +public utility. + +/VALUATION_RESPONSE/PROPERTY/SITE +/SITE_UTILITY[@_Type='Gas']/@_NonPublic +Description + +25 + +String + +UAD Requirement - Refer to Appendix D Site Section +This field must indicate the source of gas service if present and not public. If +no gas service is present, enter 'None' in the description field. diff --git a/chunks/txt/78736f6f7d8f600ade0191d83bedbcf224eb83572d36435278f922e47c5db5a2.txt b/chunks/txt/78736f6f7d8f600ade0191d83bedbcf224eb83572d36435278f922e47c5db5a2.txt new file mode 100644 index 0000000000000000000000000000000000000000..9e41da16a979e540e82e3b53935a3d6c0faf78ec --- /dev/null +++ b/chunks/txt/78736f6f7d8f600ade0191d83bedbcf224eb83572d36435278f922e47c5db5a2.txt @@ -0,0 +1,5 @@ +Overview ....................................................................................................................................................... 85 + +Header Text ......................................................................................................................................................... 85 + +Footer Text .......................................................................................................................................................... 85 diff --git a/chunks/txt/7873c01192554cb012482fd69ec0467875ae58422509b3a43b682343d8839214.txt b/chunks/txt/7873c01192554cb012482fd69ec0467875ae58422509b3a43b682343d8839214.txt new file mode 100644 index 0000000000000000000000000000000000000000..504c55975448f8b9336f6087bcec2cf80852406d --- /dev/null +++ b/chunks/txt/7873c01192554cb012482fd69ec0467875ae58422509b3a43b682343d8839214.txt @@ -0,0 +1,54 @@ +represent and warrant that the property is sound and structurally secure and that the property is not in C6 +condition. See Selling Guide A2-2-06, Representations and Warranties on Property Value and SB4-1.3-06, +Dwelling Condition and Quality of Construction for additional information. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 123 of 166 + +UAD 3.6 Policy + +Exercising Value Acceptance + +A lender may only exercise value acceptance when + +• +• +• + +the final submission of the loan casefile to DU resulted in a value acceptance offer, +an appraisal is not obtained for the transaction, and +the value acceptance offer is not more than four months old on the date of the note and the mortgage. + +Lenders that elect to exercise value acceptance must include Special Feature Code (SFC) 801 at loan delivery. Lenders may not +adversely select against Fannie Mae in determining which value acceptance offers to accept. Fannie Mae may monitor the +lender’s exercise of value acceptance offers and delivery of loans to Fannie Mae and may take appropriate measures if adverse +selection is identified. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 124 of 166 + +UAD 3.6 Policy + +SB4-1.4-11, Value Acceptance + Property Data (06/04/2025) + +Introduction + +This topic contains information on value acceptance + property data including: + +Eligible Transactions +Ineligible Transactions + +• Overview +• +• +• Representations and Warranties +• Property Data Collection +• Property Data Collector +• +• Property Data Collection with Needed Repairs or Completion Verification + +Exercising Value Acceptance + Property Data + +Overview diff --git a/chunks/txt/7881f5d4ab5a7faf3bee19c9c08becd4320d0749569a35d85437117e0d5bcde5.txt b/chunks/txt/7881f5d4ab5a7faf3bee19c9c08becd4320d0749569a35d85437117e0d5bcde5.txt new file mode 100644 index 0000000000000000000000000000000000000000..796270e67775ce5620021991c9ae2e6396804b1d --- /dev/null +++ b/chunks/txt/7881f5d4ab5a7faf3bee19c9c08becd4320d0749569a35d85437117e0d5bcde5.txt @@ -0,0 +1,30 @@ +For casefiles created on or after April 18, 2021, when a VOA has been obtained for a borrower, and gift funds are entered in DU, the +DU validation service will attempt to validate assets. If the VOA report indicates the borrower has enough assets in their accounts +to cover the Total Funds to be Verified, the DU validation service will issue the following messages: + +• The existing DU validation service message indicating that assets have been validated and the asset report is + +acceptable documentation, + +• A new message that requires verification that the gift is from an eligible source if the gift funds have been + +deposited in the borrower’s asset accounts, and + +• The existing DU message that is displayed on all loans with gifts that requires documentation and verification of + +the gift in accordance with the Selling Guide. + +NOTE | When the DU validation service validates assets on transactions with gift funds, the lender must ensure that gift +funds that appear as deposits on the VOA report (if any) are from an acceptable source and are eligible for the transaction. + +© 2021 Fannie Mae. Trademarks of Fannie Mae. + +2.22.21 + +1 of 3 + +Review of assets when no asset verification required +Currently, when a VOA report has been obtained by DU and the Total Funds to be Verified amount is $0.00, the DU validation +service will issue a message indicating that the casefile is not eligible for asset validation. With this update, a new message will be +displayed to indicate that an eligible VOA report has been obtained and the loan may be eligible for asset validation if the amount +of assets required increases and the loan is resubmitted to DU. diff --git a/chunks/txt/7888c2f6a17366be6503c2a52e7d54710da6d32ebf0e5d806cc799d3356b105e.txt b/chunks/txt/7888c2f6a17366be6503c2a52e7d54710da6d32ebf0e5d806cc799d3356b105e.txt new file mode 100644 index 0000000000000000000000000000000000000000..7230878cfd45cc546b0719cb63793b6ff0fa8013 --- /dev/null +++ b/chunks/txt/7888c2f6a17366be6503c2a52e7d54710da6d32ebf0e5d806cc799d3356b105e.txt @@ -0,0 +1,345 @@ +OutdoorLivingAmenity + +913000 + +South + +Most + +590 + +4 + +0.12 + +-2000 + +true + +true + +ImpactResistantGlass + +ImpactResistantShingles + +true + +Gold + +LEED + +500 + +Monthly + +AssociationDues + +Dwelling + +2018 + +false + +Nylon Short Loop and Engineered Wood + +Flooring + +9 Ft. | Custom + +WallsAndCeiling + +300 + +1550 + +1250 + +false + +3 + +2 + +1 + +C1 + +Q3 + +2 + +Mixture of Tile and Granite + +Commercial Grade Appliances + +Kitchen + +CementBoard + +ExteriorWallsAndTrim + +Basement + +Foundation + +Composition + +Roof + +C1 + +Q3 + +1 + +360 + +NaturalGas + +ForcedWarmAir + +PropertyPhoto + +\\Images\Condo2_Comp4.jpg + +image/jpeg + +28 + +915000 + +Active + +25.165177 + +-51.328129 + +Grammy Gold + +Clubhouse + +ClubMembership + +GatedCommunity + +IngroundPool + +Other + +Snow Removal + +TrashRemoval + +Condominium + +Grammy Gold + +Deck + +Patio + +Porch + +OutdoorLiving + +2 + +IndoorFireplace + +WholeHome + +0 + +Detached + +1 + +true + +1 + +C1 + +Q3 + +false + +true + +FeeSimple + +true + +false + +None + +false + +Other + +Gated Community + +GolfCourse + +14100 + +Full + +GolfCourse + +Full + +Residential + +1522 Akyawentuo Ave + +Anytown + +54321 + +IL + +NorthEast + +1 + +0.25 + +Dwelling + +2705 + +3 + +2 + +1 + +C2 + +Similar + +Similar + +Most + +3500 + +Similar + +Similar + +1.29 + +2018-03 + +3500 + +PropertyPhoto + +\\Images\Condo2_RentComp1.jpg + +image/jpeg + +25.165174 + +-51.328126 + +Grammy Gold + +true + +false + +false + +13400 + +2345467 Golden Tail St + +Anytown + +54321 + +IL + +West + +2 + +0.2 + +Dwelling + +2810 + +4 + +3 + +0 + +C2 + +Similar + +Similar + +Most + +3400 + +Similar + +Similar + +1.28 + +2018-01 + +3600 + +PropertyPhoto + +\\Images\Condo2_RentComp2.jpg + +image/jpeg + +25.165175 + +-51.328127 + +Grammy Gold + +true + +false + +false + +14230 + +234912 Whitecrest Dr + +Anytown + +54321 + +IL + +East + +3 + +1.5 + +Dwelling + +2905 + +3 + +2 + +1 diff --git a/chunks/txt/788991cdf063fa4dde8f1e39e989bf07d9c84d54e41015edb891a752ae75e6e6.txt b/chunks/txt/788991cdf063fa4dde8f1e39e989bf07d9c84d54e41015edb891a752ae75e6e6.txt new file mode 100644 index 0000000000000000000000000000000000000000..425e6cfb0cb3074667243cd476800a016b7bbd9c --- /dev/null +++ b/chunks/txt/788991cdf063fa4dde8f1e39e989bf07d9c84d54e41015edb891a752ae75e6e6.txt @@ -0,0 +1,6 @@ +enterprise: 2 | record_num_mf_ctf: 20000001 | state_fips: 48 | cbsa_metro_code: 12420 | county_fips: 491 | tract_2020: 020349 | tract_minority_pct: 43.46 | tract_income_med: 101288 | ami_local: 115204 | tract_income_ratio: 0.8792 | ami_hud: 126000 | upb_acq: 32815000 | purpose_ctf: 2 | seller_type_mf_ctf: 1 | fed_guarantee_ctf: 1 | lien_status: 1 | ltv: 55.81 | same_year_acq: 1 | term_orig: 60 | units_num_cat: 5 | rate_orig: 5.220 | upb_orig: 32815000 | property_value: 58805000 | term_prepay_penalty: 57 | 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: 2 | record_num_mf_ctf: 20000002 | state_fips: 06 | cbsa_metro_code: 41860 | county_fips: 001 | tract_2020: 422400 | tract_minority_pct: 58.95 | tract_income_med: 128750 | ami_local: 154003 | tract_income_ratio: 0.8360 | ami_hud: 166600 | upb_acq: 3965000 | purpose_ctf: 7 | seller_type_mf_ctf: 1 | fed_guarantee_ctf: 1 | lien_status: 4 | ltv: 61.60 | same_year_acq: 2 | term_orig: 360 | units_num_cat: 1 | rate_orig: 3.100 | upb_orig: 3965000 | property_value: 6005000 | term_prepay_penalty: 47 | balloon: 9 | 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: 1 | area_high_opp: 0 | tract_colonias: 0 +enterprise: 2 | record_num_mf_ctf: 20000003 | state_fips: 06 | cbsa_metro_code: 20940 | county_fips: 025 | tract_2020: 010900 | tract_minority_pct: 86.32 | tract_income_med: 61472 | ami_local: 60776 | tract_income_ratio: 1.0115 | ami_hud: 65300 | upb_acq: 4425000 | purpose_ctf: 1 | seller_type_mf_ctf: 1 | fed_guarantee_ctf: 1 | lien_status: 1 | ltv: 69.12 | same_year_acq: 1 | term_orig: 60 | units_num_cat: 3 | rate_orig: 5.580 | upb_orig: 4425000 | property_value: 6405000 | term_prepay_penalty: 36 | balloon: 1 | io: 1 | neg_am: 9 | non_amort_other: 9 | afford_units_pct: 99 | 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: 2 | record_num_mf_ctf: 20000004 | state_fips: 47 | cbsa_metro_code: 34980 | county_fips: 165 | tract_2020: 021105 | tract_minority_pct: 30.80 | tract_income_med: 96582 | ami_local: 96905 | tract_income_ratio: 0.9967 | ami_hud: 104700 | upb_acq: 17055000 | purpose_ctf: 1 | seller_type_mf_ctf: 1 | fed_guarantee_ctf: 1 | lien_status: 1 | ltv: 70.00 | same_year_acq: 1 | term_orig: 60 | units_num_cat: 5 | rate_orig: 5.410 | upb_orig: 17055000 | property_value: 24365000 | term_prepay_penalty: 57 | 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: 2 | record_num_mf_ctf: 20000005 | state_fips: 34 | cbsa_metro_code: 35620 | county_fips: 035 | tract_2020: 053602 | tract_minority_pct: 26.40 | tract_income_med: 220016 | ami_local: 113844 | tract_income_ratio: 1.9326 | ami_hud: 119300 | upb_acq: 6975000 | purpose_ctf: 2 | seller_type_mf_ctf: 1 | fed_guarantee_ctf: 1 | lien_status: 1 | ltv: 83.05 | same_year_acq: 2 | term_orig: 192 | units_num_cat: 2 | rate_orig: 4.690 | upb_orig: 6975000 | property_value: 8405000 | term_prepay_penalty: 180 | 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: 0 | area_concentrated_poverty: 0 | area_high_opp: 0 | tract_colonias: 0 +enterprise: 2 | record_num_mf_ctf: 20000006 | state_fips: 37 | cbsa_metro_code: 16740 | county_fips: 119 | tract_ diff --git a/chunks/txt/788fcb95d3459b0ea225d4b014e780983833cb95c7b61d88e08a1851681ee812.txt b/chunks/txt/788fcb95d3459b0ea225d4b014e780983833cb95c7b61d88e08a1851681ee812.txt new file mode 100644 index 0000000000000000000000000000000000000000..438209c5138c1d8e68b50d99689b936e5490f7c2 --- /dev/null +++ b/chunks/txt/788fcb95d3459b0ea225d4b014e780983833cb95c7b61d88e08a1851681ee812.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/supervision/legal-documents" +date_accessed: "2026-01-27T17:54:20.421Z" +--- + +> *[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 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Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/7899dd82579b9862713eccdd308dc4a702888e0d4a810dad3ab5300a13f454ba.txt b/chunks/txt/7899dd82579b9862713eccdd308dc4a702888e0d4a810dad3ab5300a13f454ba.txt new file mode 100644 index 0000000000000000000000000000000000000000..9c5a105d18676f2f9c27c53b0e8a0eada963e701 --- /dev/null +++ b/chunks/txt/7899dd82579b9862713eccdd308dc4a702888e0d4a810dad3ab5300a13f454ba.txt @@ -0,0 +1,25 @@ +Property Valuation Methods and Property Types + +For certain loan casefiles, DU offers a traditional appraisal, hybrid appraisal, and/or a desktop appraisal option. Lenders must +determine eligibility for the property valuation method based on the criteria of the loan transaction. + +The property valuation method is based on the scope of work performed by the appraiser. Below is a description of each property +valuation method: + +• + +Traditional Appraisal: An appraisal assignment for which the scope of work includes an interior and exterior on-site +inspection of the subject property completed by the appraiser who signs the appraisal report. The effective date of the +traditional appraisal is the date of inspection. + +• Hybrid Appraisal: An appraisal assignment for which the scope of work includes using a recent collection of property data + +in lieu of the appraiser performing an on-site inspection. The collection of property data must comply with the Uniform +Property Dataset (UPD). The effective date of the hybrid appraisal is the date the appraiser develops the opinion of value. + +• Desktop Appraisal: An appraisal assignment for which the scope of work includes using third party data sources, other +than a recent collection of property data, in lieu of an appraiser performing an on-site inspection. The effective date of +the desktop appraisal is the date the appraiser develops the opinion of value. + +Note: An on-site inspection is defined as a person being physically at a property gathering information as part of an appraisal; +remotely viewing a property (otherwise known as a virtual inspection) is not an on-site inspection. diff --git a/chunks/txt/789ab741ffd8d966b29b34039c7aa42c9eacda03ba3cd10c5251799d23fd2a2d.txt b/chunks/txt/789ab741ffd8d966b29b34039c7aa42c9eacda03ba3cd10c5251799d23fd2a2d.txt new file mode 100644 index 0000000000000000000000000000000000000000..ca26011c7cefb87a2f6a34a85df80022ce331ac2 --- /dev/null +++ b/chunks/txt/789ab741ffd8d966b29b34039c7aa42c9eacda03ba3cd10c5251799d23fd2a2d.txt @@ -0,0 +1,49 @@ +SB5-7-03, High LTV Refinance Alternative Qualification +Path (06/04/2025) + +B8-2-02, Special-Purpose Security Instruments +(12/10/2025) +Chapter E-3 Acronyms and Glossary of Defined +Terms (12/10/2025) + +SB8-2-02, Special-Purpose Security Instruments +(12/10/2025) +SE-3 Acronyms and Glossary of Defined Terms +(12/10/2025) + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 8 of 166 + +UAD 3.6 Policy + +SB2-3-01, General Property Eligibility (12/10/2025) + +Introduction + +This topic contains information on Fannie Mae’s property eligibility requirements, including: + +• Overview +• Number of Units +• Property Location +• Property Requirements +• Acceptable Forms of Property Ownership +• Acceptable Dwelling Types +• +Ineligible Properties +• +Loan-Level Price Adjustments + +Overview + +Fannie Mae purchases or securitizes eligible mortgages in all markets across a broad geographic range. This topic describes +Fannie Mae’s property eligibility requirements. The requirements are designed to address a wide range of property types with +varying characteristics; however, there may be instances when the unique nature of a particular property may require special +consideration. In those cases, Fannie Mae encourages lenders to contact their Fannie Mae customer account team. + +Number of Units + +Fannie Mae purchases or securitizes first-lien mortgages that are secured by residential properties when the dwelling consists of +one to four units. Under some circumstances, Fannie Mae limits the number of dwelling units for certain types of mortgages or +transactions. For the maximum allowable LTV, CLTV, and HCLTV ratios and credit score requirements based on the property type +and number of units, see the Eligibility Matrix. diff --git a/chunks/txt/78b5220f1b7ac0065f8e21a7e6f1efd5b5be27443fdf2c37adec976d83c28833.txt b/chunks/txt/78b5220f1b7ac0065f8e21a7e6f1efd5b5be27443fdf2c37adec976d83c28833.txt new file mode 100644 index 0000000000000000000000000000000000000000..c9892c6aaa8e70e1d78f483678e170a7ec471305 --- /dev/null +++ b/chunks/txt/78b5220f1b7ac0065f8e21a7e6f1efd5b5be27443fdf2c37adec976d83c28833.txt @@ -0,0 +1,113 @@ +C2 + +Inferior + +Similar + +Less + +3575 + +Similar + +Inferior + +1.15 + +2017-12 + +3350 + +PropertyPhoto + +\\Images\Condo2_RentComp3.jpg + +image/jpeg + +25.165176 + +-51.328128 + +Platinum Records + +true + +false + +false + +13800 + +123423 Stoneback Dr + +Anytown + +54321 + +IL + +East + +4 + +1.7 + +Dwelling + +2695 + +4 + +2 + +1 + +C2 + +Inferior + +Similar + +Less + +3525 + +Similar + +Inferior + +1.19 + +2017-11 + +3200 + +PropertyPhoto + +\\Images\Condo2_RentComp4.jpg + +image/jpeg + +25.165177 + +-51.328129 + +Platinum Records + +true + +false + +false + +12989 + +AA-4456767 + +Client + +NotNecessaryForCredibleResults + +NotNecessaryForCredibleResults + +All comparable properties used in this appraisal are considered to be similar in style, function, and utility as all are site condo properties similar in design style. All comparable properties are considered to be reasonable indicators of value. Comparable #3 is a recent new construction sale of a model match property which is located in the same project and has been constructed by the same builder as the subject property. Comparable #3 is the closed sale which is most similar to the subject and has been given most weight. Comparable sales #1 and #2 are similar site condo properties that are similar in design style. Both transactions show support for market acceptance of site condo properties from multiple builders within the market. Comparable #4 is an active listing and is very similar to the subject property. While comparable sales #1 and #2 are reasonable indicators of value as they have many similarities when compared to the subject, comparable properties #3 and #4 are strong indicators of value and were given most consideration due to the vast amount of similarities, very few differences, being located in the same development and constructed by the same builder as the subject property. diff --git a/chunks/txt/78bf77c036dfb32646783d61556475301b9a6c365d94588e89dcc4cb8f29d0b2.txt b/chunks/txt/78bf77c036dfb32646783d61556475301b9a6c365d94588e89dcc4cb8f29d0b2.txt new file mode 100644 index 0000000000000000000000000000000000000000..69c3f258cd25e41767fa44916be6af517484b6eb --- /dev/null +++ b/chunks/txt/78bf77c036dfb32646783d61556475301b9a6c365d94588e89dcc4cb8f29d0b2.txt @@ -0,0 +1,65 @@ +Uniform Residential Appraisal Report + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20) + +Page [Page] of [Pages] + +Sales Contract + +Is there a sales contract? +Was sales contract information analyzed? +Does this appear to be an arm’s length transaction? + +20.000 +20.001 + +Non-Arm’s Length Commentary + +20.00(cid:22) + +Yes No +(cid:133) (cid:133) +(cid:133) (cid:133) +(cid:133) (cid:133) + +20.002 + +Contract Price +Contract Date +Transfer Terms +Personal Property Conveyed + +20.004 +20.00(cid:24) +20.00(cid:25) +20.00(cid:26) + +Personal property is not included in the appraiser’s final opinion of value + +Financial Sales Concessions + +Financial assistance paid by or on behalf of the seller as an inducement to purchase the subject property + +Known Sales Concessions +Total Sales Concessions + +Typical for Market + +20.00(cid:27) + +20.00(cid:28) + +20.0(cid:20)(cid:19) + +Sales Contract Analysis(cid:1) +20.0(cid:20)(cid:20) +Sales Contract Exhibits + +20.0(cid:20)(cid:21)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:21)(cid:19)(cid:17)(cid:19)(cid:20)(cid:21)(cid:17)(cid:21) + +Appraisal Version # + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21) + +(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1) +(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)(cid:1) diff --git a/chunks/txt/78c05260ced3907a91fd69650d1b5116d7ca47109db13b10c0c9d013a161f15b.txt b/chunks/txt/78c05260ced3907a91fd69650d1b5116d7ca47109db13b10c0c9d013a161f15b.txt new file mode 100644 index 0000000000000000000000000000000000000000..edce0985403b77ca06284a95c189c84726a3f678 --- /dev/null +++ b/chunks/txt/78c05260ced3907a91fd69650d1b5116d7ca47109db13b10c0c9d013a161f15b.txt @@ -0,0 +1,55 @@ +Summaries of Transactions + +11.0 – 13.0 + +Payoffs and Payments + +25.0 + +BORROWER’S TRANSACTION + +TO + +AMOUNT + +11.0 K. Due from Borrower at Closing + +11.4 Rho Servicing to pay off existing +loan + +11.4.1 $350,000.00 + +25.1 Rho Servicing to pay off existing + +25.1.1 $350,000.00 + +loan + +Beta Card, Inc. to pay down credit + +11.4.1 $30,000.00 + +card balance + +Beta Card, Inc. to pay down credit +card balance + +$30,000.00 + +The GSEs require each liability to be itemized, even when the Model form is used. Each line item must identify the +disbursement, amount, payee and whether the liability is secured by the property. For document rendering, the applicable +section of the form must always be provided in gse:IntegratedDisclosureSectionType. + +The disbursement is identified using LiabilityType. The payee is entered in FullName and the liability amount is provided +in PayoffAmount. The value to provide for gse:IntegratedDisclosureSectionType depends on whether the Model or Alternate +form is used. LIABILITY repeats for each line item as needed. + +LiabilityType has enumerated values to cover most scenarios in the closing process. In the rare situation when the +disclosed liability is not among UCD v2.0 supported enumerations, the value “Other” is used for LiabilityType and +LiabilityTypeOtherDescription must be included with a value describing the item succinctly and clearly. This scenario is not +included in UCD v2.0 Excerpt. + +In UCD v2.0, the use of DisplayLabelText (FirstPositionMortgageLien) is optional. When used, it no longer requires a namespace prefix of +“ucd:” or ”gse:”. While the prefix should be omitted, the GSEs’ UCD collection solutions will not signal an error if they are +provided. diff --git a/chunks/txt/78c07acba58dc5fc26c8139c4498c078652380cbd9c789b9504774d5dfa9ee54.txt b/chunks/txt/78c07acba58dc5fc26c8139c4498c078652380cbd9c789b9504774d5dfa9ee54.txt new file mode 100644 index 0000000000000000000000000000000000000000..3e5ca61ae9d3d1ff0bd30be69a61e5db0d142f2e --- /dev/null +++ b/chunks/txt/78c07acba58dc5fc26c8139c4498c078652380cbd9c789b9504774d5dfa9ee54.txt @@ -0,0 +1,71 @@ +Uniform Residential Appraisal Report + +Page 13 of 22 +Page 13 of 22 + +Market + +Market Area Boundary Route 7 to the north, Route 611 to the east, and Route 50 to the south and west. + +Search Criteria Description Limiting factors of the market search include leasehold, a Lot Size between 7,500 and 21,780 square feet, with a +property containing an ADU. Above Grade Finished area of the primary dwelling in the range of 1,800 and 4,500 square feet, with between 3-5 +bedrooms and 2-4 bathrooms. Vehicle Storage greater than or equal to a 2-car garage. + +Search Result Metrics + +Active Listings + +Median Days on Market +Lowest List Price +Median List Price +Highest List Price + +Pending Sales + +15 +95 +$599,900 +$810,000 +$875,000 +3 + +Sales in Past 12 Months + +Lowest Sale Price +Median Sale Price +Highest Sale Price + +Distressed Market Competition +Graph + +Price Trend Source + +34 +$599,900 +$810,000 +$949,999 +No +Absorption Rate +Median Days on Market +Price Trend +XYZ Housing Data + +Housing Trends + +Demand/Supply + +Market Commentary + +In Balance + +Marketing Time + +3 to 6 months + +Sales prices have been steady to slightly rising at approximately 1.5% to 2.5% annually. Supply and demand are currently balanced. Days on +Market for the settled sales were predominately in the 80-100 days range. Days on Market of current listings is trending higher than recent +sales due to the market entering the typically slower fall and winter periods. Absorption rate is 3-4 sales per month with a 4-5-month supply. + +The XYZ MLS indicated 10 of 34 (29.4%) of the closed sales in the market area between 09/15/2018 and 09/15/2019 contained seller +concessions. Concessions ranged between $1,000 and $25,000, and the median concession was $7,100. This level of concessions was +determined to have minimal impact on the marketability or sale prices for properties considered competitive to the subject. diff --git a/chunks/txt/78cea674e779bc7068b12afc372a5413ea0d156f0d355a7ff19deca7b7610a90.txt b/chunks/txt/78cea674e779bc7068b12afc372a5413ea0d156f0d355a7ff19deca7b7610a90.txt new file mode 100644 index 0000000000000000000000000000000000000000..f6839e936f48d5dc56937454091dca9a496e46ce --- /dev/null +++ b/chunks/txt/78cea674e779bc7068b12afc372a5413ea0d156f0d355a7ff19deca7b7610a90.txt @@ -0,0 +1,56 @@ +Uniform Appraisal Dataset (UAD) Specification + +Issued by Fannie Mae and Freddie Mac +Appendix D-1: Single Family Scenario 4 (Below Grade ADU) +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. + +06/27/2023 + +1.0 + +Initial Publication + +Introduction + +This report is for a detached home with a below grade accessory dwelling unit (ADU). The site contains +14,000 sq. ft. The primary dwelling contains 3,304 sq. ft. of finished above grade area, 640 sq. ft. of +below grade finished area, and 616 sq. ft. of unfinished below grade area. + +The ADU has 704 sq. ft. of below-grade finished area containing a bedroom, full bathroom, kitchen, and +living room. The ADU has an exterior walk out and no interior access to the primary dwelling. + +The subject property has an attached two-car garage, detached two-car carport, and a four-car +driveway. Amenities include two decks, a patio, a porch, an inground pool, a fireplace, and a woodstove. + +The dwelling was 40 years old as of the effective date of the appraisal. Overall, the dwelling exhibits +typical wear and tear and is in C4 condition. diff --git a/chunks/txt/78d1bbd3861b55c95313e9900be25591ae0d2e4d40595706eb7f3dfc487ed04d.txt b/chunks/txt/78d1bbd3861b55c95313e9900be25591ae0d2e4d40595706eb7f3dfc487ed04d.txt new file mode 100644 index 0000000000000000000000000000000000000000..2c3bff3948bd5819c6e11dafd5d7b76aaed85f2a --- /dev/null +++ b/chunks/txt/78d1bbd3861b55c95313e9900be25591ae0d2e4d40595706eb7f3dfc487ed04d.txt @@ -0,0 +1,109 @@ +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD[@PropertyNeighborhoodLocati +onType='Urban'] +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD[@PropertyNeighborhoodLocati +onType='Suburban'] +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD[@PropertyNeighborhoodLocati +onType='Rural'] + +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD[@_BuiltupRangeType='Over75 +Percent'] + +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD[@_BuiltupRangeType='25To75 +Percent'] + +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD[@_BuiltupRangeType='Under2 +5Percent'] + +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD[@_GrowthPaceType='Rapid'] + +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD[@_GrowthPaceType='Stable'] + +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD[@_GrowthPaceType='Slow'] + +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD[@_PropertyValueTrendType='I +ncreasing'] +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD[@_PropertyValueTrendType='S +table'] +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD[@_PropertyValueTrendType=' +Declining'] +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD[@_DemandSupplyType='Shorta +ge'] +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD[@_DemandSupplyType='InBal +ance'] +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD[@_DemandSupplyType='OverS +upply'] +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD[@_TypicalMarketingTimeDurat +ionType='UnderThreeMonths'] +/VALUATION_RESPONSE/PROPERTY/NEI +GHBORHOOD[@_TypicalMarketingTimeDurat +ionType='ThreeToSixMonths'] + +8 + +8 + +8 + +14 + +14 + +14 + +6 + +6 + +6 + +10 + +10 + +10 + +10 + +10 + +10 + +16 + +16 + +Enumerated + +Enumerated + +Enumerated + +Enumerated + +Enumerated + +Enumerated + +Enumerated + +Enumerated + +Enumerated + +Enumerated UAD Requirement - Refer to Appendix D Neighborhood Section diff --git a/chunks/txt/78d9e06746ef6ed4a01d2050436074b3adfb97f7c80aaf59ed9d00e55d0f027b.txt b/chunks/txt/78d9e06746ef6ed4a01d2050436074b3adfb97f7c80aaf59ed9d00e55d0f027b.txt new file mode 100644 index 0000000000000000000000000000000000000000..bc86ee656ca156d9faaad0c53d7a116c8af79d4d --- /dev/null +++ b/chunks/txt/78d9e06746ef6ed4a01d2050436074b3adfb97f7c80aaf59ed9d00e55d0f027b.txt @@ -0,0 +1,43 @@ +(cid:20)(cid:21)(cid:17)(cid:19)(cid:20) + +(cid:22) + +(cid:20)(cid:21) + +(cid:21)(cid:17)(cid:19)(cid:20) + +Other Mechanical Systems + +(cid:20)(cid:21)(cid:20)(cid:21) + +(cid:26)(cid:17)(cid:19)(cid:17)(cid:19)(cid:20) + +Apparent Defects, Damages, Deficiencies ([Outbuilding Type]) + +(cid:20)(cid:21)(cid:20)(cid:21)(cid:17)(cid:19)(cid:17)(cid:19)(cid:20) + +(cid:27)(cid:3) + +The items listed below represent the As Is condition as of the effective date of this report + +(cid:20)(cid:21)(cid:20)(cid:21) (cid:20)(cid:28)(cid:17)(cid:19)(cid:17)(cid:19) + +Feature +(cid:19)(cid:17)(cid:19)(cid:21) +(cid:20)(cid:21) + +Location +(cid:17)(cid:19)(cid:21)(cid:20) +(cid:20)(cid:21) + +Description +(cid:20)(cid:21)(cid:17)(cid:19)(cid:21)(cid:21) + +Affects Soundness or +Structural Integrity +(cid:20)(cid:21)(cid:17)(cid:19)(cid:21)(cid:22) + +Recommended +Action +(cid:20)(cid:21)(cid:17)(cid:19)(cid:21) +(cid:23) diff --git a/chunks/txt/78dccbce311c80880199a98e9167b6b370788644938485922b596b402c2c6c08.txt b/chunks/txt/78dccbce311c80880199a98e9167b6b370788644938485922b596b402c2c6c08.txt new file mode 100644 index 0000000000000000000000000000000000000000..d819fb00d713d3648fa6995c3244664bfc3f20e1 --- /dev/null +++ b/chunks/txt/78dccbce311c80880199a98e9167b6b370788644938485922b596b402c2c6c08.txt @@ -0,0 +1,8 @@ +--- +source_url: "https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset#uad-announcements" +date_accessed: "2026-01-27T17:46:01.873Z" +--- + +[Skip to main content](#main-content) + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav diff --git a/chunks/txt/78df03b79dd41cbb3dd13da02f7c5466b4a6262f5be08d1aedce23a2e8cc0fa3.txt b/chunks/txt/78df03b79dd41cbb3dd13da02f7c5466b4a6262f5be08d1aedce23a2e8cc0fa3.txt new file mode 100644 index 0000000000000000000000000000000000000000..a18a7f2cd0970e0e5e09b7a985f5aa5efc1a7c76 --- /dev/null +++ b/chunks/txt/78df03b79dd41cbb3dd13da02f7c5466b4a6262f5be08d1aedce23a2e8cc0fa3.txt @@ -0,0 +1,110 @@ +• +• + +• + +• + +Notes: +• + +23.01.17 Subtotal + +Always required + +Dollar amount + +23.01.18 Total + +Always required + +Dollar amount + +Total Other Actual Income +Calculated: The sum of Other Actual Income for all income types. + +Total Actual Income +Calculated: Total Monthly Actual Rent + Total Other Actual Income + +Opinion of Market Income (Monthly) + +Rent + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Rent Schedule: Opinion of Market Income - Rent + +23.01.19 N/A + +Displays if applicable + +Free-form + +Unit Identifier +Redisplays from 23.01.01. + +Appendix F-1: URAR Reference Guide + +Page 284 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +23 Rental Information + +Rent Schedule: Opinion of Market Income - Rent + +Report +Field ID + +Report Label + +When to Include + +23.01.20 N/A + +Required for each unit +or ADU that is included +in the Rental +Information section + +Allowable +Answers / Format + +Dollar amount + +23.01.21 Subtotal + +Always required + +Dollar amount + +Definition / Additional Guidance + +Monthly Market Rent for Unit: The monthly dollar amount that is expected to +be received as rental income at full market price for the single living unit. + +For the subject property, this information displays in the following subsections +of Rental Information: +• +• + +Rent Schedule – Opinion of Market Income (Monthly) 23.01.20 +Comparable Rental Analysis Summary 23.03.23 + +Total Monthly Market Rent +Calculated: Total Monthly Market Rent for Unit for all units in the Rental +Information section. +Note: For the subject property, this information also displays in the Income +Approach section 24.022 if applicable. diff --git a/chunks/txt/78edd222f65f5cf38eb201194b8e20c34d87cb29ef8d5afc0b372f61987fdb96.txt b/chunks/txt/78edd222f65f5cf38eb201194b8e20c34d87cb29ef8d5afc0b372f61987fdb96.txt new file mode 100644 index 0000000000000000000000000000000000000000..48f8a631d7fc7c94764497f135c2da57300f3853 --- /dev/null +++ b/chunks/txt/78edd222f65f5cf38eb201194b8e20c34d87cb29ef8d5afc0b372f61987fdb96.txt @@ -0,0 +1,112 @@ +PROJECT +INFORMATION + +Is there any commercial space in the +project? +If Yes, describe and indicate the overall +percentage of the commercial space. + +Commercial Space +Description + +A free-form text field describing the +commercial space. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/@CommercialSpaceDescri +ption + +4000 + +HEADER + +BLANK + +HEADER + +File # + +HEADER + +BLANK + +Report Title +Description + +Appraiser File +Identifier + +Appraiser +Additional File +Identifier Name + +Used to specify the title of a report. + +/VALUATION_RESPONSE/REPORT/@_TitleDescription + +This is an identifier or number used by +the appraiser to identify their reports. It is +generally specific to the appraiser. + +Secondary report identifier used by the +appraiser to identify appraisal reports. +This field may carry the FHA number, +case number, loan number or some other +identifier. + +/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier + +/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifierName + +4a + +HEADER + +BLANK + +Appraiser +Additional File +Identifier + +Used to indicate by name the type of +identifier represented by +AppraisersAdditionalFileIdentifier. + +/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier + +5 + +6 + +7 + +PROJECT +INFORMATION + +Describe the condition of the project +and quality of construction. + +PROJECT +INFORMATION + +Describe the common elements and +recreational facilities. + +PROJECT +INFORMATION + +Are any common elements leased to or +by the Homeowners' Association? +Yes + +Project Condition +And Quality +Description +Project Common +Elements +Description +Project Common +Elements Leased +Indicator + +A free-form text field used to describe the +condition of the project. diff --git a/chunks/txt/78ef87a8f913185c53f825717f5c088fd0561f577a70067cebedd5b9f5f892c0.txt b/chunks/txt/78ef87a8f913185c53f825717f5c088fd0561f577a70067cebedd5b9f5f892c0.txt new file mode 100644 index 0000000000000000000000000000000000000000..94ac1217b8bd7bd3a6cbdd86d40f334a3e8e784a --- /dev/null +++ b/chunks/txt/78ef87a8f913185c53f825717f5c088fd0561f577a70067cebedd5b9f5f892c0.txt @@ -0,0 +1,36 @@ +Scope +The following is a summary of the document chapters and purpose: + +▪ Chapter 2 - provides an overview of the MISMO v3.4 Reference Model, the associated schemas, +and the corresponding MISMO Logical Data Dictionary (LDD). This chapter also provides an +outline of the DU Spec, with important information about the data mapping, conditionality, +conditionality statements, cardinality, and implementation notes. + +▪ Chapter 3 - provides helpful information to support the planning and implementation of the data +requirements outlined in the DU Spec. In addition, this chapter also includes sample steps to create +an XML schema-based Loan Application Submission file. + +▪ Chapter 4 - provides information to help clarify the different purposes of the ULAD Mapping + +Document and the DU Spec (from a business point of view). + +▪ Chapter 5 - includes a set of diagrams that show the MISMO v3.4 data structures that support each + +section of the redesigned Form 1003. + +▪ Appendix A - contains a Glossary. +▪ Appendix B – includes useful links to MISMO and DU Spec related materials + +Before Starting +This section aims to provide a basic understanding of how to read the DU Spec and experienced developers +may want to skip to the next chapter. To upgrade your business solution to work with MISMO v3.4, you +will need to understand the MISMO Reference Model and its supporting artifacts. Refer to the section +Understanding the MISMO v3.4 Reference Model Build 324 for more information. + +DU Spec Implementation Guide + +Fannie Mae Proprietary & Confidential + +4 + +Comparing the redesigned Form 1003 to the MISMO Data Model diff --git a/chunks/txt/78ffa0902e2962c49ad50dc5f61409ff7ec5e9a9a9a994c2ccb459e3feea84b9.txt b/chunks/txt/78ffa0902e2962c49ad50dc5f61409ff7ec5e9a9a9a994c2ccb459e3feea84b9.txt new file mode 100644 index 0000000000000000000000000000000000000000..38a0e6aebdf51ba1476cf017071457f230c2908e --- /dev/null +++ b/chunks/txt/78ffa0902e2962c49ad50dc5f61409ff7ec5e9a9a9a994c2ccb459e3feea84b9.txt @@ -0,0 +1,93 @@ +SALES +COMPARISON +APPROACH +SALES +COMPARISON +APPROACH +SALES +COMPARISON +APPROACH + +Number of Comparable +Sales + +Comparable Sales +Researched Count + +Specifies the total number of +comparable property sales researched. + +Comparable Sales Price +Range +Low +Comparable Sales Price +Range +High + +Comparable Sales +Price Range Low +Amount +Comparable Sales +Price Range High +Amount + +Specifies the low sale value in the +range of values within the group of +comparable sales researched. +Specifies the high sale value in the +range of values within the group of +comparable sales researched. + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/RESEARC +H/@ComparableListingsResearchedCount + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/RESEARC +H/@ComparableListingsPriceRangeLowAmount + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/RESEARC +H/@ComparableListingsPriceRangeHighAmoun +t +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/RESEARC +H/@ComparableSalesResearchedCount +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/RESEARC +H/@ComparableSalesPriceRangeLowAmount +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/RESEARC +H/@ComparableSalesPriceRangeHighAmount + +50 + +50 + +50 + +5 + +15 + +15 + +5 + +15 + +15 + +String + +This field occurs on every page of the form and must be consistent. The +placement of the header on the form varies from vendor to vendor. + +String + +String + +This field occurs on every page of the form and must be consistent. The +placement of the header on the form varies from vendor to vendor. The print +reference placement on Appendix C is not required and is for illustrative +purposes only. diff --git a/chunks/txt/792513866af9800449a881ef5b5ec259eb44755545568242a1db5d0fa19bb8f5.txt b/chunks/txt/792513866af9800449a881ef5b5ec259eb44755545568242a1db5d0fa19bb8f5.txt new file mode 100644 index 0000000000000000000000000000000000000000..a1adc1e01d2ad4164a38b74259977cc1b59015c6 --- /dev/null +++ b/chunks/txt/792513866af9800449a881ef5b5ec259eb44755545568242a1db5d0fa19bb8f5.txt @@ -0,0 +1,47 @@ +Exhibit 2: Requirements – Definitions of Not Updated, Updated, and +Remodeled + +Not Updated + +Little or no updating or modernization. This description includes, but is not limited to, new +homes. + +Residential properties of fifteen years of age or less often reflect an original +condition with no updating if no major components have been replaced or updated. +Those over fifteen years of age are also considered not updated if the appliances, +fixtures, and finishes are predominantly dated. An area that is ‘Not Updated’ may +still be well maintained and fully functional, and this rating does not necessarily +imply deferred maintenance or physical/functional deterioration. + +Page 66 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. + +Updated + +The area of the home has been modified to meet current market +expectations. These modifications are limited in terms of both scope and cost. + +An updated area of the home should have an improved look and feel, or functional +utility. Changes that constitute updates include refurbishment and/or replacing +components to meet existing market expectations. Updates do not include +significant alterations to the existing structure. + +Remodeled + +Significant finish and/or structural changes have been made that increase +utility and appeal through complete replacement and/or expansion. + +A remodeled area reflects fundamental changes that include multiple alterations. +These alterations may include some or all of the following: replacement of a +major component (cabinet(s), bathtub, or bathroom tile), relocation of +plumbing/gas fixtures/appliances, significant structural alterations (relocating +walls, and/or the addition of square footage). This would include a complete +gutting and rebuild. diff --git a/chunks/txt/79256caa16fd4478158f07d93b736af08bca7a6cf1a127c63379c5a21a360ef0.txt b/chunks/txt/79256caa16fd4478158f07d93b736af08bca7a6cf1a127c63379c5a21a360ef0.txt new file mode 100644 index 0000000000000000000000000000000000000000..0737a5bb1343e438111019b9ff5f9767799a2ff4 --- /dev/null +++ b/chunks/txt/79256caa16fd4478158f07d93b736af08bca7a6cf1a127c63379c5a21a360ef0.txt @@ -0,0 +1,47 @@ +• Option to clear form contents – A clear form button will be added to all Map Search forms, + +allowing users to clear all search filters in one click. + +• Broader search area – Geographic zoom limits will be modified to allow map searches on + +larger areas. + +• Date format change - Date values will be updated to display in a consistent format (MM-DD- + +YYYY) on both the search forms and in the results tables. + +• New Number of Stories filter – Users will have the option to filter results by number of stories + +in the search form. + +• Subject property available in map and table – The subject property icon will be added into + +• + +the map results and a subject property row will also be anchored at the top of the results table. +Improved map positioning logic – All results in the map will be updated to center on subject +property and display fully in-frame when search is executed. + +• New Year Built filter – Users will have the option to filter results by year-built range in the + +search form. + +• New Transaction Type filter – Users will have the option to filter results by transaction type +(Purchase, Refinance, Other) in the search form and view the same field in the results table. + +General Enhancements + +Maps (General) + +Comparables +Page Tables +(General) + +• Map scale conversion – The default map scale units will change from kilometers to miles. +• +Improved map zoom logic - Maps by default will display all returned results in-frame at an +appropriate zoom level. + +• Updated map pop-up function – Map icon pop-ups will now only appear when users hover + +over an icon, and a single click on the pop-up will pin it to the map. diff --git a/chunks/txt/792ac308c706fbd541fdf5f25a92279b25036936ced2dea9a62c488769d46207.txt b/chunks/txt/792ac308c706fbd541fdf5f25a92279b25036936ced2dea9a62c488769d46207.txt new file mode 100644 index 0000000000000000000000000000000000000000..78a8ca163f97016eda9d89ea3abec6c4dc091eee --- /dev/null +++ b/chunks/txt/792ac308c706fbd541fdf5f25a92279b25036936ced2dea9a62c488769d46207.txt @@ -0,0 +1,70 @@ +Uniform Appraisal Dataset (UAD) Specification + +Issued by Fannie Mae and Freddie Mac +Appendix E: Report Style Guide +Document Version 1.4 +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. All Rights Reserved. Trademarks of the respective owners. + +Revision History + +Date + +Version Change # Revision Description + +2025-002 Corrected typo in Completion Report Footer Text. + +2025-006 + +Added Wingdings as an alternative for checkboxes. +Clarified to use a checkmark for selected checkboxes. + +2025-016 + +Added guidelines for the Sales Comparison Approach table Line +Display. + +2025-019 + +Clarified what the “/” between two numbers means (e.g., 9/13) in +the Terminology Used in Style Guide chapter. + +06/10/2025 + +1.4 + +2025-025 + +Photos, Sketch, Graphs, Maps chapter name changed to Images; +added clarification on display of images. Modified Sample Full Page +Photo Layout. + +2025-041 + +Included a reference to Appendix D-1: Sample Scenario SF5-A using +alternative font. + +2025-052 + +Provided example of the space between the bottom of one section +and the top of the black tab of the next section (TAB). + +2025-054 + +Corrected table layout for Depreciated Cost of Dwelling and +Outbuilding in Cost Approach. + +2025-056 Corrected font size for HDR-L from 9 to 10. + +2024-002 Clarified column display for Comparable Rental Analysis + +09/17/2024 + +1.3 + +2024-043 Added Reconsideration of Value subsection + +2024-024 Removed “Property Value Trend” from Market section diff --git a/chunks/txt/792ff3be71ecd84eb013bce0718957c447f46120d58c61c5c73beb769d1ae2ff.txt b/chunks/txt/792ff3be71ecd84eb013bce0718957c447f46120d58c61c5c73beb769d1ae2ff.txt new file mode 100644 index 0000000000000000000000000000000000000000..063b6940b7c4738f55124d402caefb0f6807951b --- /dev/null +++ b/chunks/txt/792ff3be71ecd84eb013bce0718957c447f46120d58c61c5c73beb769d1ae2ff.txt @@ -0,0 +1,94 @@ +2020 Census Tract - +Percent Minority + +3-6 digits with 2 implied decimals +Example of data format: 002701 = +Census tract 27.01 +000000 = Missing +Example of data format: 66.95 = 66.95 +percent of the census tract population +is minority. +9999.0 = Not available + +8 + +6 + +tract_income_med + +2020 Census Tract - +Median Income + +999999 = Not available + +9 + +6 + +ami_local + +Local Area Median +Income + +999999 = Not available + +The tract number as used in the 2020 +decennial census, with leading zeros when +applicable, indicating where the property is +located. +The percentage of the census tract’s +population that is classified as belonging to a +minority group, based on the 2020 decennial +census. See definition of Minority in 12 CFR +1282.1. +The 2024 median family income for the +census tract (in whole dollars) based on 2020 +Census geography and the most recent +American Community Survey (ACS) 5-year +estimates available on January 1, 2024. The +values for this field are supplied by FHFA. + +The 2024 MSA median family income, or for +properties outside MSAs, the county median +family income or the State non-metropolitan +median income, whichever is greater, based +on 2020 Census geography and the most +recent ACS 5-year estimates available on +January 1, 2024. The values for this field are +supplied by FHFA. + +SF CTF + +20 + +Enterprise Public Use Database Data Dictionary +Data Release of 2024 Acquisitions + +Single-Family Properties +Census Tract File + +Header Name + +Field Name + +Values + +Description / Comments + +Federal Housing +Finance Agency + +Field # Field +Width +8 + +10 + +tract_income_ratio + +Tract Income Ratio + +Example of data format: 1.7500 = The +tract income is 175 percent of the +local area median income. +9999.000 = Not able to code diff --git a/chunks/txt/7930f19dd18a7f61353752d497cc67a209d0a52586643804b155e0c3f3f0cbb7.txt b/chunks/txt/7930f19dd18a7f61353752d497cc67a209d0a52586643804b155e0c3f3f0cbb7.txt new file mode 100644 index 0000000000000000000000000000000000000000..edd01e88a2229df05e450c3f34da462ac512eed7 --- /dev/null +++ b/chunks/txt/7930f19dd18a7f61353752d497cc67a209d0a52586643804b155e0c3f3f0cbb7.txt @@ -0,0 +1,20 @@ +FHFA Director Sandra L. Thompson issued the following statement on the Federal Home Loan Mortgage Corporation’s appointment of Diana Reid as its Chief Executive Officer: “I am delighted that Freddie Mac has selected Diana Reid as its next CEO. Diana brings with her decades of experience in mortgage... + - Statement + +June 21, 2024 + +## [Statement of Director Sandra L. Thompson on the Conditional Approval of the Freddie Mac Second Mortgage Proposal](/news/statement/statement-of-director-sandra-l.-thompson-on-the-conditional-approval-of-the-freddie-mac-second) + +In April, the Federal Housing Finance Agency (FHFA) published a notice of a proposed new product from Freddie Mac to purchase certain single-family closed-end second mortgages. This notice represented the first time a proposed new product from Freddie Mac or Fannie Mae (the Enterprises) was... + - Statement + +May 10, 2024 + +## [Statement of Director Sandra L. Thompson on the FSOC Nonbank Mortgage Servicing Report](/news/statement/statement-of-director-sandra-l.-thompson-on-the-fsoc-nonbank-mortgage-servicing-report) + +​I commend the Financial Stability Oversight Council (FSOC) for the publication of its report on nonbank mortgage servicing. This report advances the work of federal and state agencies with oversight responsibility of the mortgage market, identifies vulnerabilities specific to nonbank mortgage... + - Statement + +May 6, 2024 + +## [Statement of Director Sandra L. Thompson on Incentive-Based Compensation Joint Release](/news/statement/statement-of-director-sandra-l.-thompson-on-incentive-based-compensation-joint-release) diff --git a/chunks/txt/793e63f1fa79a86bb26b14e21e7b4e7d727cbef4b6d48343488564b9e14735fe.txt b/chunks/txt/793e63f1fa79a86bb26b14e21e7b4e7d727cbef4b6d48343488564b9e14735fe.txt new file mode 100644 index 0000000000000000000000000000000000000000..29e9426e6bb3a11495c81dc147a0e584b723a1f5 --- /dev/null +++ b/chunks/txt/793e63f1fa79a86bb26b14e21e7b4e7d727cbef4b6d48343488564b9e14735fe.txt @@ -0,0 +1,87 @@ +UCD UIDs + +Containers + +UCD Usage Notes + +999.231 + +LATE_CHARGE + +Groups late charge information. + +999.635/999.636 + +EXTENSION/OTHER + +999.637 + +gse:LATE_CHARGE_RULES + +999.232 + +gse:LATE_CHARGE_RULE + +UCD proprietary EXTENSION to allow collect multiple options +for late charges. + +Holds containers describing penalties for late mortgage loan +payments. + +At least one and no more than two instances must exist in the +UCD file to capture how past due payment charges will be +assessed. + +Figure 76. Rendering Late Charge Data on the CD. + +Loan Disclosures + +17.3 Late Payment + +17.0 + +If your payment is more than 10 days late, your lender will charge a late fee of $100 +OR 2% of the monthly principal and interest payment. + +Data points in gse:LATE_CHARGE_RULE describe the penalty that may be imposed for a late loan payment, stated as either +a predetermined dollar amount or a percentage charge of the past due payment amount or both, along with the number of +days from the due date after which a past due payment fee will be assessed. + +Table 52. UCD v2.0 Spec Excerpt – Late Charges Data Requirements. + +UCD UID MISMO v3.3.0 Data Point + +Delivered Value + +Implementation Notes + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN +/LATE_CHARGE/EXTENSION/OTHER/gse:LATE_CHARGE_RULES/gse:LATE_CHARGE_RULE + +11.073 + +gse:LateChargeAmount + +11.006 + +gse:LateChargeGracePeriodDaysCount + +100.00 + +10 + +11.008 + +gse:LateChargeType + +FlatDollarAmount + +…/LATE_CHARGE/EXTENSION/OTHER/gse:LATE_CHARGE_RULES/gse:LATE_CHARGE_RULE + +11.006 + +gse:LateChargeGracePeriodDaysCount + +11.007 + +gse:LateChargeRatePercent diff --git a/chunks/txt/79409ad1dc248bd234017e25d5f96627b51859e8be0b40d4483e8e39ad5cc928.txt b/chunks/txt/79409ad1dc248bd234017e25d5f96627b51859e8be0b40d4483e8e39ad5cc928.txt new file mode 100644 index 0000000000000000000000000000000000000000..5ef18f3c16656e9689698d53a5ec8a67c72f14ae --- /dev/null +++ b/chunks/txt/79409ad1dc248bd234017e25d5f96627b51859e8be0b40d4483e8e39ad5cc928.txt @@ -0,0 +1,16 @@ +transition of these specific edits. Portions of the Closing Disclosure are used throughout the guide to illustrate data +elements identified as “fatal” by highlighting those in bold font. + +▪ Review the Feedback Messages for the UCD Collection Solution. Each GSE published a list of feedback messages + +for Phase 2 of the UCD Fatal Edits for their respective systems. + +Additional Information +Please contact your account representative for assistance or submit your questions to our UCD mailbox: UCD@FannieMae.com. +For more information on UCD, visit the Fannie Mae UCD and UCD Collection Solution pages. + +© 2021 Fannie Mae. + +12.2.21 + +2 of 2 diff --git a/chunks/txt/7948373fdf0699ddb582f0748401ab0e276b8db4d49ec06d41cc57af5c8c7aa6.txt b/chunks/txt/7948373fdf0699ddb582f0748401ab0e276b8db4d49ec06d41cc57af5c8c7aa6.txt new file mode 100644 index 0000000000000000000000000000000000000000..29f620eb833ab1706e9394c54eb2767d8f5a6a7e --- /dev/null +++ b/chunks/txt/7948373fdf0699ddb582f0748401ab0e276b8db4d49ec06d41cc57af5c8c7aa6.txt @@ -0,0 +1,98 @@ +New Endpoints for PE - Whole Loan Integration + +Integration Impact Memo + +Updated October 29 + +As of October 31, if you are not using the new endpoint addresses for the Pricing & Execution - Whole Loan® (PE - +Whole Loan®) Production Environment and Test Environment, your ability to do business with Fannie Mae will be +interrupted. Below are resolutions to issues you may experience when migrating endpoints. + +Please contact your Digital Alliance Manager or Sales Engineer for more information. + +# APIGEE Gateway Issues + +Impact + +Status +Code + +Error +Description + +Resolution + +1 + +There is no contact +established in PEWL UI + +Unsuccessful response + +500 + +2 + +If the required KEY +header is given as +Content on the API call + +Unsuccessful response + +500 + +XG_3071 Service +Endpoint Not +Available + +Before making B2B calls, user +needs to log into PEWL UI +https://pe.fanniemae.com/pe/login +and create a contact (First Name, +Last Name, Email, and Phone) + +XG_3071 Service +Endpoint Not +Available + +Required Header +KEY +Content-Type +VALUE +text/xml + +3 + +Incorrect Authorization +selected on the API call + +Unsuccessful response + +403 + +FM_XG_201 +Access Denied + +Authorization +TYPE = No Auth + +4 + +If the user enters invalid +credential in CLVE or +PROD + +Unsuccessful response + +403 + +FM_XG_201 +Access Denied + +Contact Technology Administrator +to reset the password for CLVE or +Production credentials. + +© 2021 Fannie Mae + +October 2021 Page 1 of 1 diff --git a/chunks/txt/794eafe8581011933fddf7029c6415bcd4e77507ba4ee4f057cf317a6c1c306d.txt b/chunks/txt/794eafe8581011933fddf7029c6415bcd4e77507ba4ee4f057cf317a6c1c306d.txt new file mode 100644 index 0000000000000000000000000000000000000000..34c0b8eaeb7ce940ac5b5acb92c3b0dd6b467da0 --- /dev/null +++ b/chunks/txt/794eafe8581011933fddf7029c6415bcd4e77507ba4ee4f057cf317a6c1c306d.txt @@ -0,0 +1,38 @@ +To assist lenders in originating manufactured home loans in various states, Fannie Mae publishes information on titling +manufactured homes as real property. Note, this information does not constitute legal advice; lenders must consult their own +legal counsel. See Titling Manufactured Housing. + +The following requirements are also applicable: + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 161 of 166 + +UAD 3.6 Policy +• The owner of the manufactured home must own the land on which the home is situated unless the manufactured +home is located in a condo or PUD project subject to a ground lease approved by Fannie Mae's Project Review +Eligibility Service (PERS). + +• The manufactured home must be attached to a permanent foundation on the land and comply with state and + +jurisdictional requirements for permanent affixation. + +• A mortgage, deed of trust, or security deed must be recorded in the land records and must identify the encumbered + +property as including both the home and the borrower's interest in the land. + +• + +If applicable state law so permits, any certificate of title to the manufactured home must be surrendered to the +appropriate state government authority. + +• + +If the certificate of title cannot be surrendered, the lender must indicate its lien on the certificate. + +Fannie Mae prefers that a loan on the manufactured home and the land on which it is situated be secured by a single lien. + +However, it is recognized that some state laws do not provide for a single lien on both the manufactured home and the land. +Therefore, a loan documented by a lien on the borrower's interest in the land evidenced by a mortgage, deed of trust or +security deed and by a real property lien on the manufactured home evidenced on the certificate of title or other document is +acceptable. diff --git a/chunks/txt/7954462766522c64281488800a34812902cae454df99c847a629395b2bdc4428.txt b/chunks/txt/7954462766522c64281488800a34812902cae454df99c847a629395b2bdc4428.txt new file mode 100644 index 0000000000000000000000000000000000000000..f64866abe21d48ae2415525dbbcc052f4cf6005f --- /dev/null +++ b/chunks/txt/7954462766522c64281488800a34812902cae454df99c847a629395b2bdc4428.txt @@ -0,0 +1,55 @@ +iii. Otherwise, if the values within +borrower race1- borrower race5 indicate +that the borrower has selected more +than one of American Indian or Alaskan +Native, Asian, Black or African +American, Native Hawaiian or Other +Pacific Islander, or White, then the +single field’s value indicates ‘‘Two or +more races’’; + +iv. Otherwise, the single field’s value +indicates ‘‘not available/not applicable’’ + +(i.e., no indication of race or ethnicity +provided). + +b. Single-family Data Field 41f: +Borrower Ethnicity + +This new data field identifies the +ethnicity of the borrower of the loan +acquired by the Enterprise. The +Enterprises have been reporting single- +family borrower ethnicity to FHFA, but +these data were previously included +under code 7 (Hispanic or Latino) in +data field 41 in the single-family PUDB +files and not as a separate data field. +The Enterprises did not comment on +this data field. + +To conform to HMDA reporting +requirements for borrower ethnicity, +FHFA has added this data element as +new data field 41f in the single-family +Census Tract File. (See the single-family +matrix in the Appendix for the specific +codes that apply to this data field.) + +c. Single-family Data Fields 42a–42e: +Co-Borrower Race or National Origin 1– +5 + +These data fields identify the race or +national origin of the co-borrower of the +loan acquired by the Enterprise. Since +2004, the Enterprises have been +reporting single-family co-borrower race +or national origin to FHFA in +accordance with five defined fields—co- +borrower race1- co-borrower race5—but +the data was included in a single race +or national origin field in the PUDB. +The Enterprises did not comment on +these data fields. diff --git a/chunks/txt/795bf3eadfc7cb271b869c056e9b80eef4c405779a336559308b2b7337e1f3ad.txt b/chunks/txt/795bf3eadfc7cb271b869c056e9b80eef4c405779a336559308b2b7337e1f3ad.txt new file mode 100644 index 0000000000000000000000000000000000000000..c90e10325e474947a0f97ecbe8e323c4b90433f9 --- /dev/null +++ b/chunks/txt/795bf3eadfc7cb271b869c056e9b80eef4c405779a336559308b2b7337e1f3ad.txt @@ -0,0 +1,127 @@ +$15,554 + +$9,446 + +$(7,500) + +$17,500 + +Total + +Total + +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 24 of 30 +Page 24 of 30 + +Cost Approach (continued) + +As-Is Value of Site Improvements + +Description +Well, septic, fence, deck, driveway, and water frontage +improvements + +Amount + +$31,500 + +Total + +$31,500 + +Site Value + +Primary Site Valuation Method Sales Comparison + +Opinion of Site Value + +$250,000 + +Land Comparables + +# +1 + +2 + +3 + +Address +123 Water Front Dr +Some City, +VA 20141 + +Lot: 123 Block: 321 +Dry Road +Some City, +VA 20141 + +456 Thirsty Ave +Some City, +VA 20141 + +County +Alpine + +Data Source +MLS 238183040 + +Assessor Parcel +Number (APN) +555666999000111 + +Site Size +4 Acres + +Sale Date +01/01/2018 + +Price +$200,000 + +Alpine + +MLS 138320852 + +654651354132 + +3 Acres + +01/01/2016 + +$150,000 + +Alpine + +MLS 183932048 + +87498461513542100 + +10 Acres + +01/01/2017 + +$100,000 + +Reconciliation of Site Value Comp #1 is a 4 acre site on same lake as the subject, includes 1/4 acre parcel providing water frontage much like +the subject. Comp #2 is a 3 acre site with water views on same lake as subject. Comp #3 is a 10 acre site within a mile of the subject with same +power line easement. However, comp #3 has no water frontage or view, and the easement splits the property in half, making some of the land +useless for construction. + +General Description + +Cost Type +Cost Data Source +Quality Rating +Effective Date + +Replacement +Marshall & Swift +Good +06/01/2019 + +Cost Approach Commentary diff --git a/chunks/txt/79604066bba1a7c7d3208cea3678fd77bc6add8313ce21f0e70960049bb1f69b.txt b/chunks/txt/79604066bba1a7c7d3208cea3678fd77bc6add8313ce21f0e70960049bb1f69b.txt new file mode 100644 index 0000000000000000000000000000000000000000..9a46755fb0c0a22ef2b923bc7f4dde7a6b71ff1f --- /dev/null +++ b/chunks/txt/79604066bba1a7c7d3208cea3678fd77bc6add8313ce21f0e70960049bb1f69b.txt @@ -0,0 +1,39 @@ +Figure. 3 List of Columns in the DU Map tab + +Identification Reference Columns +These four columns correlate the MISMO data points to the corresponding redesigned Form 1003 fields +and the form fields of the Supplemental Consumer Information Form and ease the navigation and sorting +on the DU Map tab. + +• The original order of the DU Spec is in the order of the fields in the redesigned Form 1003 “URLA +Borrower Information Numbered Form” and “URLA Lender Loan Information Numbered Form.” + +DU Spec Implementation Guide + +Fannie Mae Proprietary & Confidential + +9 + +• The Unique ID field is a unique numeric reference number for each data point in the DU Spec. If +there is a specific question regarding a data point, be sure to provide the Unique ID in your +communication to Fannie Mae. + +• The Sort ID column provides the ability to reorganize the data based on the original DU Spec order. +• The Form Field ID is a numeric value assigned to each field in the redesigned Form 1003. The Form + +Field Name is the corresponding field name for the Form Field ID. + +• The Form Field Name contains the name of the field as shown on the redesigned Form 1003 + +documents for each Form Field ID. + +• The Form Field IDs can be found in the “1003 - Borrower Information Numbered Form” and “1003 +- Lender Loan Information Numbered Form.” These components of the redesigned Form 1003 and +all the other components and versions of redesigned forms and supporting documents can be found +on the Fannie Mae URLA webpage at: + +https://www.fanniemae.com/singlefamily/uniform-residential-loan-application + +MISMO v3.4 Information Columns +The following is a set of six columns (in Figure. 3) used to identify the MISMO v3.4 data points within the +DU Spec: diff --git a/chunks/txt/7976469fa4782840fcf09d587e0b07d15def49335d1298845ec5140b36a6dd14.txt b/chunks/txt/7976469fa4782840fcf09d587e0b07d15def49335d1298845ec5140b36a6dd14.txt new file mode 100644 index 0000000000000000000000000000000000000000..846d4fe8c29ae3f729a204f6647f90efdad0e7f6 --- /dev/null +++ b/chunks/txt/7976469fa4782840fcf09d587e0b07d15def49335d1298845ec5140b36a6dd14.txt @@ -0,0 +1,245 @@ +0.71 Miles E + +$362,500 + +Settled Sale + +$360,000 + +0.67 Miles E + +$369,900 + +Settled Sale + +$365,000 + +No + +11/03/2023 + +12/01/2023 + +44 + +Detached + +Detached + +15,000 Sq. Ft. + +14,500 Sq. Ft. + +Hilltop Hills + +Woodland Hills + +Residential | Full + +Residential | Full + +$0 + +$0 + +$0 + +$0 + +$0 + +$1,900 + +01/31/2024 + +03/01/2024 + +52 + +Detached + +14,750 Sq. Ft. + +Woodland Hills + +Residential | Full + +$0 + +$0 + +$0 + +$0 + +$0 + +2018 + +2018 + +Forced Warm Air | Natural Gas + +Forced Warm Air +| Natural Gas + +2018 + +Forced Warm Air +| Natural Gas + +3 + +2 | 0 + +3 + +2 | 0 + +3 + +2 | 1 + +$(3,000) + +1,260 Sq. Ft. + +1,240 Sq. Ft. + +$0 + +1,278 Sq. Ft. + +$0 + +0 Sq. Ft. + +0 Sq. Ft. + +0 Sq. Ft. + +Quality and Condition (Ratings: 1-6, 1 is highest) + +Exterior Quality and Condition + +Quality + +Condition + +Interior Quality and Condition + +Quality + +Condition + +Q4 + +C3 + +Q4 + +C3 + +Overall Quality and Condition (Ratings: 1-6, 1 is highest) + +Quality + +Condition + +Property Amenities + +Outdoor Living + +Vehicle Storage + +Q4 + +C3 + +Q4 + +C3 + +Q4 + +C3 + +Q4 + +C3 + +Q4 + +C3 + +Q4 + +C3 + +Type | Spaces | Detail + +Driveway | 3 | Concrete + +Driveway | 4 | Concrete + +Driveway | 2 | Concrete + +Deck + +Deck + +Deck | Portico + +$(2,500) + +$0 + +$0 + +— + +— + +— + +— + +— + +Q4 + +C3 + +Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K + +Uniform Residential Appraisal Report + +Page 13 of 19 +Page 13 of 19 + +Sales Comparison Approach (continued) + +Property Address + +213 Tree Stand Rd +Anytown, MD 09992 + +849 Jolly Ave +Anytown, MD 09992 + +342 Trail Dr +Anytown, MD 09992 + +Subject Property + +Comparable #4 + +Comparable #5 + +Summary + +List Price + +Sale Price + +Net Adjustment Total diff --git a/chunks/txt/7999946496b1b58b45cb90259dcbef0db57b3a448ec021fae5692ea23a237d1a.txt b/chunks/txt/7999946496b1b58b45cb90259dcbef0db57b3a448ec021fae5692ea23a237d1a.txt new file mode 100644 index 0000000000000000000000000000000000000000..51c83348ff373d7f043236fd5dc30d0af60dbfc3 --- /dev/null +++ b/chunks/txt/7999946496b1b58b45cb90259dcbef0db57b3a448ec021fae5692ea23a237d1a.txt @@ -0,0 +1,28 @@ +Note: The Selling Guide will be updated Oct. 1, 2025, to include this policy change; however, lenders may take advantage of +the new limits with the DU V. 12.0 Sept. Update. + +First-time Homebuyer Determination + +The Selling Guide specifies that an individual who is a displaced homemaker or single parent will be considered a first-time +homebuyer if they had no ownership interest in a principal residence other than a joint ownership interest with a spouse during +the preceding three-year time period. DU will be updated to determine if the borrower is a first-time buyer under this exception. + +When the borrower specifies in Section 5. Declarations of the loan application that they have had ownership interest in another +property in the last three years, but that borrower can be considered a first-time homebuyer using this exception, the lender can +provide “FTHB Exception” in the DU Policy Feature Description associated to that borrower and DU will determine the borrower +to be a first-time homebuyer. + +When this exception is used, a verification message will be issued informing the lender that at least one borrower has been +identified as a first-time homebuyer using the exception for a displaced homemaker or single parent, and that the lender must +confirm that the exception does apply to the borrower. + +© 2025 Fannie Mae. + +9.24.25 + +2 of 4 + +Restricted Stock + +Restricted stock is being added as an income type in DU. Lenders must enter the applicable income amount in Section 1e. Income +from Other Sources of the loan application as an Other Income Source with a description of Restricted Stock. diff --git a/chunks/txt/79a9093abcec5659bb0f15b86fc0a3b7b50214569fd7043f4b390bbdd56e2181.txt b/chunks/txt/79a9093abcec5659bb0f15b86fc0a3b7b50214569fd7043f4b390bbdd56e2181.txt new file mode 100644 index 0000000000000000000000000000000000000000..c14af60c7acad79de326c778aa9f400446e09688 --- /dev/null +++ b/chunks/txt/79a9093abcec5659bb0f15b86fc0a3b7b50214569fd7043f4b390bbdd56e2181.txt @@ -0,0 +1,15 @@ +The UAD Appraisal-Level PUF provides the public and policymakers with meaningful data about appraisals to identify trends, conduct research, and promote compliance. Public, transparent data about appraisals promotes a liquid, efficient, competitive, and resilient national housing market. + +## ​Documentation + +[UAD PUF Dat​a Dictionary Version 2.1](/document/uad-puf-2.1-data-dictionary.pdf) (2/4/2025) + +[UAD PUF Version History Version 2.1](/document/uad-puf-2.1-version-history.pdf) (2/4/2025) + +[UAD PUF D​ata Documentation](/document/uad-puf-2.1-data-documentation.pdf)(2/4/2025) + +## Datasets + +### Enterprise UAD PUF + +Enterprise Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF) Format Release Date **Annual Files (2013-2022)** CSV (zipped) [[.csv]](/document/ent_uad_puf_annual_csv_v2_1.zip) 2/4/2025 R (zipped) [[.rds]](/document/ent_uad_puf_annual_rds_v2_1.zip) 2/4/2025 SAS Binary (zipped) [[.sas7bdat]](/document/ent_uad_puf_annual_sas_v2_1.zip) 2/4/2025 SAS Transport (zipped) [[.cport]](/document/ent_uad_puf_annual_cport_v2_1.zip) 2/4/2025 Stata (zipped) [[.dta]](/document/ent_uad_puf_annual_dta_v2_1.zip) 2/4/2025 **Combined Files (2013-2022)** CSV (zipped) [[.csv]](/document/ent_uad_puf_combined_csv_v2_1.zip) 2/4/2025 R (zipped) [[.rds]](/document/ent_uad_puf_combined_rds_v2_1.zip) 2/4/2025 SAS Binary (zipped) [[.sas7bdat]](/document/ent_uad_puf_combined_sas_v2_1.zip) 2/4/2025 SAS Transport (zipped) [[.cport]](/document/ent_uad_puf_combined_cport_v2_1.zip) 2/4/2025 Stata (zipped) [[.dta]](/document/ent_uad_puf_combined_dta_v2_1.zip) 2/4/2025 ### FHA UAD PUF diff --git a/chunks/txt/79b65bc26a4ebddf9d3e324352101688cd3c718cd40d9a3c034a90d777cf8958.txt b/chunks/txt/79b65bc26a4ebddf9d3e324352101688cd3c718cd40d9a3c034a90d777cf8958.txt new file mode 100644 index 0000000000000000000000000000000000000000..28f506a756bcd8a6b92dc5552eff553351591692 --- /dev/null +++ b/chunks/txt/79b65bc26a4ebddf9d3e324352101688cd3c718cd40d9a3c034a90d777cf8958.txt @@ -0,0 +1,39 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +# Annual Report to Congress + +## Breadcrumb + +- [Home](/) + - [Reports](/reports) + - Annual Report To Congress + +The Federal Housing Finance Agency’s (FHFA’s) Annual Report to Congress covers the activities of FHFA and its regulated entities. The statutorily-required annual report provides information about the Agency’s examinations of Fannie Mae and Freddie Mac (together, the Enterprises), Common Securitization Solutions, the 11 Federal Home Loan Banks (FHLBanks), and the FHLBanks’ joint Office of Finance. It also describes FHFA’s actions as conservator of Fannie Mae and Freddie Mac and provides an overview of FHFA’s regulatory activities, research, and publications issued during the year. diff --git a/chunks/txt/79c0874ab58658dbf6bb8c1067962940a5ee9654d82168a372852e0d79921b25.txt b/chunks/txt/79c0874ab58658dbf6bb8c1067962940a5ee9654d82168a372852e0d79921b25.txt new file mode 100644 index 0000000000000000000000000000000000000000..c946e4365ac610e0b01469cb0a989a8dc57527d6 --- /dev/null +++ b/chunks/txt/79c0874ab58658dbf6bb8c1067962940a5ee9654d82168a372852e0d79921b25.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/policy/pmiers" +date_accessed: "2026-01-27T17:48:02.520Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/79cda87353b648e3e973a918404254841d25122196871d33ed2f830659e8106c.txt b/chunks/txt/79cda87353b648e3e973a918404254841d25122196871d33ed2f830659e8106c.txt new file mode 100644 index 0000000000000000000000000000000000000000..289c79c6ef26203758d75e0f171d7717227e707f --- /dev/null +++ b/chunks/txt/79cda87353b648e3e973a918404254841d25122196871d33ed2f830659e8106c.txt @@ -0,0 +1,171 @@ +String + +This field should indicate the specific zoning classification of the subject property. + +19 + +25 + +At least one but no more than two values are +required. + +R + +This field is required if the value of field e-6 +(GSE View Type) is 'Other'. + +CR + +This field should be populated if field 1-96 +(Site Zoning Compliance Type = +'NoZoning') is not indicated + +This field should be populated if field 1-96 +(Site Zoning Compliance Type = +'NoZoning') is not indicated. + +One and only one of fields 1-92, 1-93, 1-96, +1-97 (values of Site Zoning Compliance +Type) should be indicated. +One and only one of fields 1-92, 1-93, 1-96, +1-97 (values of Site Zoning Compliance +Type) should be indicated. + +T + +T + +T + +T + +Form FNM 1075 FRE 466 +Appendix B: GSE Appraisal Forms Mapping + +Page 134 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +100 + +1 + +94 + +PROJECT SITE + +Do the zoning regulations permit +rebuilding to current density? +Yes + +Site Zoning Permit +Rebuild To Current +Density Indicator + +Indicates that the zoning regulations allow +the property to rebuild to the current +density. + +/VALUATION_RESPONSE/PROPERTY/SITE[@_ZoningPermitRebuildToCurr +entDensityIndicator='Y'] + +1 + +Boolean + +96 + +97 + +98 + +101 + +102 + +103 + +104 + +105 + +106 + +107 + +108 + +109 + +110 + +111 + +112 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +95 + +PROJECT SITE + +Do the zoning regulations permit +rebuilding to current density? +No + +Site Zoning Permit +Rebuild To Current +Density Indicator diff --git a/chunks/txt/79d2f319fd63be7d66fb6509461fc8bb563abb7e67d08c4930af3ad62438f6a4.txt b/chunks/txt/79d2f319fd63be7d66fb6509461fc8bb563abb7e67d08c4930af3ad62438f6a4.txt new file mode 100644 index 0000000000000000000000000000000000000000..aad326f8ed4c273e07d50c20a60866de67ea2898 --- /dev/null +++ b/chunks/txt/79d2f319fd63be7d66fb6509461fc8bb563abb7e67d08c4930af3ad62438f6a4.txt @@ -0,0 +1,153 @@ +5.0 Projected Payments + +5.1 Payment Calculation + +5.1.1 Years 1 – 7 + +5.1.2 Years 8 – 30 + +5.2 Principal & Interest + +5.2.1 + +$761.78 + +5.2.4 + +5.3 Mortgage Insurance + +5.4 Estimated Escrow +Amount can increase over time + +5.5 Estimated Total +Monthly Payment + +5.3.1 + +5.4.1 + ++ + ++ + +82.35 + +5.3.2 + +206.13 + +5.4.2 + ++ + ++ + +$761.78 + +-- + +206.13 + +5.5.1 + +$1,050.26 + +5.5.3 + +$967.91 + +Figure 63. Escrow Account Exists + +The data points used to provide the information in the Estimated Escrow row of the Projected Payments table +are shown below. Since escrow exists for this loan, the value of EscrowIndicator = “true”. The +ProjectedPaymentEstimatedEscrowPaymentAmount repeats twice, once for Years 1 -7 and again for Years 8 – +30. + +Table 80. Escrow Account Exists + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point + +MISMO v3.3.0 Value + +Notes + +First Instance of PROJECTED_PAYMENT + +5.4.1 + +Years 1-7 Estimated +Escrow ($) + +…/PROJECTED_PAY +MENTS/PROJECTED_ +PAYMENT + +ProjectedPaymentEs +timatedEscrowPaym +entAmount + +206.13 + +Represented in form +as “206.13” + +Second Instance of PROJECTED_PAYMENT + +5.4.2 + +Years 8-30 Estimated +Escrow ($) + +…/PROJECTED_PAY +MENT + +ProjectedPaymentEs +timatedEscrowPaym +entAmount + +206.13 + +Represented in form +as “206.13” + +5.4 + +N/A + +…/DEAL/LOANS/LOA +N/LOAN_DETAIL + +EscrowIndicator + +true + +End of PROJECTED_PAYMENT Instances + +Not Shown - +Indicates whether +Estimated Escrow +amount is greater +than “0” + +Appendix E: UCD Implementation Guide + +Page 94 of 254 + +Version 1.4 + +Uniform Closing Dataset + +5.0 Projected Payments Table + +2. ESCROW ACCOUNT DOES NOT EXI ST + +If the lender does not establish an escrow account, the value for Estimated Escrow is disclosed as “0” for each +Year Range. diff --git a/chunks/txt/79d7610377700b3bd77a5dfd6735db6daf20384c6a9a631472c027688160da55.txt b/chunks/txt/79d7610377700b3bd77a5dfd6735db6daf20384c6a9a631472c027688160da55.txt new file mode 100644 index 0000000000000000000000000000000000000000..276298fe58773e65bc61c288fffbcdb3c1ec422f --- /dev/null +++ b/chunks/txt/79d7610377700b3bd77a5dfd6735db6daf20384c6a9a631472c027688160da55.txt @@ -0,0 +1,54 @@ +▪ Customizes the generic MISMO + +assigned to the container. + +any indications of hierarchy except: + +▪ UIDs for container start + +• A slash “/” indicates the container following is the child + +definition to describe the container’s +purpose in the XML file. + +with “999”. + +of the container before the slash. + +▪ For containers that can occur more + +• If a plural parent and singular child container can be + +present only once in the XML file, they are presented on +the same row as: PLURAL/SINGULAR. + +than once in sequence, identifies what +causes/requires the container to +repeat. + +N O T E : Identifies any v1.5 containers that have been removed from this segment of the XML file. + +2. RENDERED CD + +If the data supports the CD, a narrative introduction of and an extract from the CD illustrates how the data points are +rendered on the printed/displayed form. The content is carried through in UCD v2.0 Spec excerpts and XML file snippets and +is identified in green bold text. When a data point can be included only once in the XML file, but its value is used to populate +more than one location on the CD, the rendered CD form example will illustrate all locations. + +If the data is GSE-specific, a narrative describes why the data is included in the XML file. + +Figure 1. XML File Data Rendered on the CD. + +1.0 Closing Information + +117.6 Security Interest .0 Loan Disclosures + +1.6 Property 456 Somewhere Avenue, Unit #284 + +Anytown, ST 12345 + +You are granting a security interest in + 456 Somewhere Ave, Unit #284 + Anytown, ST 12345 + +The legend for the color-coding on the form rendering examples is: diff --git a/chunks/txt/79dacba941959677e0c67e3b5512eac3adb06e3273a2a612a04daab7390d8b1d.txt b/chunks/txt/79dacba941959677e0c67e3b5512eac3adb06e3273a2a612a04daab7390d8b1d.txt new file mode 100644 index 0000000000000000000000000000000000000000..0b880aa5c8392b58ea2888106b704f4494ca660c --- /dev/null +++ b/chunks/txt/79dacba941959677e0c67e3b5512eac3adb06e3273a2a612a04daab7390d8b1d.txt @@ -0,0 +1,114 @@ +3.1Loan Term 30 - 32 Years + +3.2 Purpose Refinance + +Figure 15. Extendible Loan Term + +ID + +Form Field Name + +Table 28. Extendible Loan Term + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +3.1 + +Loan Term + +…/LOAN/MATURITY/ +MATURITY_RULE + +LoanMaturityPeriod +Count + +360 + +LoanMaturityPeriod +Type + +Month + +LoanTermMaximum +MonthsCount + +384 + +▪ ROF as “30 Years” +▪ Two data points +must be used +together + +▪ ROF as “32 Years” + +3. CONSTRUCTI ON LOANS + +The loan Purpose of Construction is required when: + +a. The loan is for the purchase of land and construction (construction-only) or + +b. The loan is for the cost of building a structure on land already owned by the borrower (one-closing + +construction-to-permanent). + +The construction-only loan is represented by different data points than those needed for the construction-to- +permanent loan. + +Appendix E: UCD Implementation Guide + +Page 46 of 254 + +Version 1.4 + +Uniform Closing Dataset + +3.0 Loan Information + +a. CONSTRUCTION ONLY + +For construction-only loans, the data conveying the construction period is provided. Figure 16 shows a 9-month +construction-only loan that may be extended to 12 months. LoanTermMaximumMonthsCount is required when +the loan term can be extended, as shown in Table 29. + +3.0 Loan Information + +3.1 Loan Term 9 – 12 Months + +3.2 Purpose Construction + +Figure 16. Construction Only Loan Term + +ID + +Form Field Name + +3.1 + +Loan Term + +Table 29. Construction Only Loan Term + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +…/LOAN/CONSTRUCT +ION + +ConstructionPeriodN +umberOfMonthsCou +nt diff --git a/chunks/txt/79e7ef937c8adb469798cc0350bfd9c30d08ec05422ad22c171e9fe1d00f2d00.txt b/chunks/txt/79e7ef937c8adb469798cc0350bfd9c30d08ec05422ad22c171e9fe1d00f2d00.txt new file mode 100644 index 0000000000000000000000000000000000000000..281858880845036d4351ef82b1340e27e2dbcf73 --- /dev/null +++ b/chunks/txt/79e7ef937c8adb469798cc0350bfd9c30d08ec05422ad22c171e9fe1d00f2d00.txt @@ -0,0 +1,19 @@ +[FHFA Announces Enhanced Payment Deferral Policies for Borrowers Facing Financial Hardship](/news/news-release/fhfa-announces-enhanced-payment-deferral-policies-for-borrowers-facing-financial-hardship) (3/29/2023) + +[Fact Sheet: Updated Minimum Financial Eligibility Requirements for Fannie Mae and Freddie Mac Seller/Servicers](/sites/default/files/2023-05/Fact-Sheet-Enterprise-Seller-Servicer-Min-Financial-Eligibility-Requirements.pdf) (8/17/2022) + +[FAQs: Updated Minimum Financial Eligibility Requirements for Fannie Mae and Freddie Mac Seller/Servicers](/sites/default/files/2023-05/FAQs-Enterprise-Seller-Servicer-Min-Financial-Eligibility-Requirements.pdf) (8/17/2022) + +[​FHFA/GNMA Comparison: Side-by-Side Comparison of Enterprise and GNMA Requirements](/sites/default/files/2023-05/FHFA-Ginnie-Mae-Eligibility-Requirements-Comparison-Tables.pdf) (8/17/2022) + +​[FHFA Re-Proposed Minimum Financial Eligibility Requirements for Fannie Mae and Freddie Mac Seller/Servicers](/node/10521)​ (2/24/2022) + +[Description and FAQs: Re-Proposal to Enhance Eligibility Requirements for Enterprise Single-Family Seller/Servicers](/sites/default/files/documents/SE2-Proposal-FAQ.pdf)​ (2/24/2022) + +[FHFA Encourages Landlords of Enterprise-Backed Properties to Apply for Emergency Rental Assistance Before Evicting Tenants](/node/10266) (7/30/2021) + +[FHFA and CFPB Announce Borrower Protection Program](/node/9546) (4/15/2020) + +[FHFA Proposes Minimum Financial Eligibility Requirements for Fannie Mae and Freddie Mac Seller/Servicers](/node/9421) (1/31/2020) + +[FAQs: Updated Eligibility Requirements for Enterprise Single-Family Seller/Servicers](/sites/default/files/2023-03/servicer-eligibility-faqs-1302020.pdf) (1/31/2020) diff --git a/chunks/txt/79e81e148107e463a5b05b1a22cde737063ed9a872440e20517f7cce36071257.txt b/chunks/txt/79e81e148107e463a5b05b1a22cde737063ed9a872440e20517f7cce36071257.txt new file mode 100644 index 0000000000000000000000000000000000000000..cea1aec684655da5865f5f0cc457e723f5a1bcc9 --- /dev/null +++ b/chunks/txt/79e81e148107e463a5b05b1a22cde737063ed9a872440e20517f7cce36071257.txt @@ -0,0 +1,228 @@ +Subject Property + +Comparable #1 + +Comparable #2 + +Comparable #3 + +General Information + +Property Address + +1234 Anywhere Pl +Anywhere, MD 20854 + +6543 Anywhere Pl +Anywhere, MD 20854 + +3245 Nowhere Pl +Anywhere, MD 20854 + +3214 Somewhere Pl +Anywhere, MD 20854 + +This is where the +Subject Property photo +would display. + +This is where the +Comparable 1 photo +would display. + +This is where the +Comparable 2 photo +would display. + +This is where the +Comparable 3 photo +would display. + +MLS XXXXX | Assessor Record MLS XXXXX | Assessor Record MLS XXXXX | Assessor Record + +$875,000 + +Pending + +$866,000 + +No + +04/10/2019 + +30 + +Attached + +Fee Simple + +0.09 Miles N + +$875,000 + +Settled Sale + +— + +$870,000 + +$0 + +$0 + +No + +04/01/2019 + +05/01/2019 + +49 + +Attached + +Fee Simple + +No + +04/08/2019 + +05/08/2019 + +29 + +Attached + +Fee Simple + +1,765 Sq. Ft. + +1,764 Sq. Ft. + +$0 + +1,103 Sq. Ft. + +0.12 Miles N + +$799,900 + +Settled Sale + +— + +$780,000 + +0.03 Miles SW + +$840,000 + +Settled Sale + +— + +$835,000 + +$0 + +$0 + +$0 + +$0 + +No + +06/09/2019 + +07/09/2019 + +52 + +Attached + +Fee Simple + +2,111 Sq. Ft. + +Busy Roadway +| Park + +Residential | Full +Commercial +| Partial + +$0 + +$0 + +$0 + +$0 + +Site Influence (Location) + +Busy Roadway | Park + +Busy Roadway +| Park + +View | Range + +Residential | Full + +Residential | Full + +Busy Roadway +| Park + +Residential | Full +Commercial +| Partial + +Data Source + +Proximity to Subject + +List Price + +Listing Status + +Contract Price + +Sale Price + +Sales Concessions + +Contract Date + +Sale Date + +Days on Market + +Attached/Detached + +Property Rights Appraised + +Site + +Site Size + +Dwelling(s) + +Year Built + +2016 + +2015 + +$0 + +2017 + +$0 + +Structure Design + +Rowhouse/Townhouse + +Townhouse End Unit diff --git a/chunks/txt/79e8ee6e0f937fcdb3e3ba7fde4f18736b4513fa3e0c07beae0f844bcc9d816e.txt b/chunks/txt/79e8ee6e0f937fcdb3e3ba7fde4f18736b4513fa3e0c07beae0f844bcc9d816e.txt new file mode 100644 index 0000000000000000000000000000000000000000..ff49e9ee7bf060f324b9c1b0379ef6d34231a7f4 --- /dev/null +++ b/chunks/txt/79e8ee6e0f937fcdb3e3ba7fde4f18736b4513fa3e0c07beae0f844bcc9d816e.txt @@ -0,0 +1,29 @@ +b. File Submitter Data + +At least one and up to two instances of the GSE-provided vendor or proprietary system identifier must be provided with + +every loan file, associated with the PartyRoleType of “LoanDeliveryFilePreparer”. + +c. + +Indicating CD Form Type + +The CD is a dynamic form with included sections and fields varying based on the transaction purpose (purchase or +refinance), loan product (fixed or adjustable rate) and disclosure type (complete form to both borrower and seller or split +form with borrower and seller versions). The GSEs accept three CD variations. The XML file must include the data points +identifying the type of CD used. These are identified in the UCD v2.0 Spec with the proper enumeration for +DocumentTypeOtherDescription. A summary of each of the CD form types accepted in the XML file is listed below. See +Appendix D. CD Versions and Associated Sections for a detailed breakdown of the content differences among each of the +form types. + +i. The term “Model Form” is used to refer to TRID “Exhibit H–25(A) Mortgage Loan Transaction Closing + +Disclosure—Model Form”. + +ii. The term “Split Disclosure” is used to refer to modifications to the Model Form that can be made to disclose +separately to the borrower and the seller if either party requests it (see TRID “Exhibit H–25(I) Mortgage Loan +Transaction Closing Disclosure—Modification to Closing Disclosure for Disclosure Provided to Seller—Model +Form” for a sample of a Seller-Only Split Disclosure. With a Split Disclosure, two CDs are created, separating +borrower-only and seller-only information so that each party is provided with only the transaction data that +pertains to them. The CD - Borrower Only, identical to the Model form except for the exclusion of the “SELLER’S +TRANSACTION” side of the Summaries of Transactions table, is the only Split Disclosure accepted in the XML file. diff --git a/chunks/txt/79ecc0d9b2055617c79f2a0cb3e9622daff7b26b3321e397ac8be7252e5c672b.txt b/chunks/txt/79ecc0d9b2055617c79f2a0cb3e9622daff7b26b3321e397ac8be7252e5c672b.txt new file mode 100644 index 0000000000000000000000000000000000000000..e3666c14a0d9134e692397a40880e66e033e9c5d --- /dev/null +++ b/chunks/txt/79ecc0d9b2055617c79f2a0cb3e9622daff7b26b3321e397ac8be7252e5c672b.txt @@ -0,0 +1,38 @@ +$750.00 9.2.6 + +$405 + +9.3.2 0 + +Figure 75. Closing Cost Details Section. + +A. TABLE COLUMN AND ROW DESCRI PTI ONS + +The first column on the left of the Closing Cost Details tables identifies the table headings, sub-headings and line +items. The next five columns indicate the amounts of each line item paid by the Borrower, Seller, or Others. For +the Borrower and Seller, these amounts are further broken out as being paid “At Closing” or “Before Closing”. +The rows in the tables represent subcategories, subtotals, totals and individual line items. + +B. SUBCATEGORI ES + +Table headings A – H organize the Loan Costs and Other Costs tables into the following groups: + +7.1 A. Origination Charges. Includes all charges the borrower(s) or others paid to the lender and any loan +originator for originating and extending the credit. + +7.4 B. Services Borrower Did Not Shop For. Provides an itemization of the services and corresponding costs +that were required by the lender and provided by persons or entities other than the creditor or mortgage +broker, for which the consumer could not or did not shop. + +7.6 C. Services Borrower Did Shop For. Itemizes services that the lender requires in connection with the +loan for which the borrower(s) may shop. + +8.1 E. Taxes and Other Government Fees - discloses taxes and other government fees for recording of +documents and transfer taxes assessed against the purchase price of a real estate contract or the loan +amount. + +8.4 F. Prepaids - itemizes the amounts to be paid in advance of the first scheduled payment, and the +subtotal of all such amounts. Prepaid charges for real estate property taxes, insurance premiums, and other +items that must be paid to insure the property or satisfy real estate tax obligations, as well as other charges +that must be satisfied before consummation of the transaction (such as prepaid interest to the lender) are +included in this section. diff --git a/chunks/txt/79edf122627931daa2acf49f41ff8c66ab2176ab4d43d070dff636aa8c7bf47a.txt b/chunks/txt/79edf122627931daa2acf49f41ff8c66ab2176ab4d43d070dff636aa8c7bf47a.txt new file mode 100644 index 0000000000000000000000000000000000000000..10354aee36ac60f305d57bc3c3a4f3874e309526 --- /dev/null +++ b/chunks/txt/79edf122627931daa2acf49f41ff8c66ab2176ab4d43d070dff636aa8c7bf47a.txt @@ -0,0 +1,7 @@ +Income Approach Exhibits (H1) .......................................................................................................................... 70 + +Cost Approach ............................................................................................................................................... 70 + +Indicated Value by Cost Approach (H1) .............................................................................................................. 70 + +Depreciated Cost – Dwelling – [Structure Identifier] (H1) .................................................................................. 70 diff --git a/chunks/txt/79eefdf4c370b9a0135da72f370fd24acb370adc427bf459a4576feafa9601cc.txt b/chunks/txt/79eefdf4c370b9a0135da72f370fd24acb370adc427bf459a4576feafa9601cc.txt new file mode 100644 index 0000000000000000000000000000000000000000..ea1728c23a45cd00aa15e5f451b4d27a5bea5c72 --- /dev/null +++ b/chunks/txt/79eefdf4c370b9a0135da72f370fd24acb370adc427bf459a4576feafa9601cc.txt @@ -0,0 +1,56 @@ +AmenityCategoryType groups similar amenities together for inclusion as individual line entries in the sales comparison grid. When an Amenity +Category (row) is included, all amenities in that category populate for the subject property. If the Amenity Category is not included, none of +the amenities for the category populate for the subject property. + +Page 291 + +• Outdoor Accessories +• Outdoor Living +• Water Features +• Whole Home +• Miscellaneous + +Property Amenities is the sixth of six subsections that has adjustments at the row level. + +There are 5 defined rows in this subsection. + +➢ No rows are required (Always) +➢ No rows are conditionally required (If Applicable) +➢ + +5 rows may be provided (If Relevant) + +Figure 22 - 17 + +Vehicle Storage + +The Vehicle Storage subsection always displays in the Sales Comparison Approach section. + +Vehicle Storage is the last of the four subsections that has an adjustment at the section header level. + +• When AdditionalComparisonLineItemIdentifier is provided, ComparableAdjustmentType (UID: 1800.0318, FID: Not on report) must be + +delivered as SalesComparableAdditionalNonAdjustableComparisonItem for each additional row within Vehicle Storage. + +Appendix B-1: URAR Implementation Guide v1.3 + +There is 1 defined row in this subsection. + +1 row is required (Always) + +➢ +➢ No rows are conditionally required (If Applicable) +➢ No rows may be provided (If Relevant) +➢ +Additional rows may be provided + +Figure 22 - 18 + +Page 292 + +Outbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts) + +The Outbuilding subsection displays in the Sales Comparison Approach section when there is at least one ImprovementType (UID: +0300.0009, FID: 22.07.02) = “Outbuilding” AND OutbuildingRealPropertyIndicator (UID: 0300.0024, FID: 12.002) = "true" AND +OutbuildingType (UID: 0300.0025, FID: 26.042) <> “StandaloneADU” for the subject or any comparable. Standalone ADUs are addressed in +the Units subsection of the Sales Comparison Approach and do not display here. diff --git a/chunks/txt/79fc123ff25109db5181f1fd48c5515a2ad41e222c58e72c688c06f64643242c.txt b/chunks/txt/79fc123ff25109db5181f1fd48c5515a2ad41e222c58e72c688c06f64643242c.txt new file mode 100644 index 0000000000000000000000000000000000000000..2172942054f0aa99574bd9c4b163198f110d3fdb --- /dev/null +++ b/chunks/txt/79fc123ff25109db5181f1fd48c5515a2ad41e222c58e72c688c06f64643242c.txt @@ -0,0 +1,62 @@ +If applicable per iGuide, the following statement sets as TXC-I x 45 picas below H1: “There are no +apparent defects, damages, or deficiencies requiring action. For details, reference the ‘Reconciliation’ +section.” + +If applicable per iGuide, column heads are: “Feature,” “Location,” “Description,” “Affects Soundness or +Structural Integrity,” “Recommended Action,” “Estimated Cost to Repair” set as TCH in 6 column table x +45 picas. + +o Columns 1, 2, 4–6: + +6 picas 9 points wide (~27 characters per line) + +o Column 3: + +11 picas 3 points wide (~45 characters per line) + +o Content sets as TB + +o Set TB_sub-H1 heads in white type for each section of the report represented in DDD table, if + +applicable per iGuide: + +▪ Site + +▪ Dwelling Exterior - [Structure Identifier] + +▪ Unit Interior - [Structure Identifier] - [Unit Identifier] + +▪ Outbuilding - [Outbuilding Type] + +▪ Unit Interior - [Outbuilding Type] - [Unit Identifier] + +▪ Vehicle Storage + +▪ Subject Property Amenities + +“Total Cost” sets as TB_sub-H1-R in white type, flush right in the 2 far right columns. + +If applicable per iGuide, column heads are: “Feature,” “Location,” “Description,” “Affects Soundness or +Structural Integrity,” “Recommended Action,” set as TCH in 5 column table x 45 picas. + +o Columns 1, 2, 4, 5: + +8 picas wide (~31 characters per line) + +o Column 3: + +13 picas wide (~52 characters per line) + +• Content sets as TB + +• Set TB_sub-H1 heads for each section of the report represented in DDD table. + +Appendix E: Report Style Guide + +Page 33 of 90 + +Version 1.4 + +DEFECTS, DAMAGES, DEFICIENCES TABLE - SUMMARY - WITH COST TO REPAIR + +DEFECTS, DAMAGES, DEFICIENCES - SUMMARY - WITHOUT COST TO REPAIR diff --git a/chunks/txt/7a16178db1b6858de278067379d9df28be85b355112bec31bf00fc1413ad01f1.txt b/chunks/txt/7a16178db1b6858de278067379d9df28be85b355112bec31bf00fc1413ad01f1.txt new file mode 100644 index 0000000000000000000000000000000000000000..2bd7b29aa1dab885dfdf29feb842c9fba78aaa9e --- /dev/null +++ b/chunks/txt/7a16178db1b6858de278067379d9df28be85b355112bec31bf00fc1413ad01f1.txt @@ -0,0 +1,22 @@ +Market Conditions Analysis and Time Adjustments + +How to measure and analyze (market conditions) are critical elements in determining an accurate market value because the +appraisal is based on a specific date in time (the effective date of appraisal report). The comparable sales being considered must +be analyzed by the appraiser to determine if there have been any changes in market conditions from the time the comparable +went under contract to the effective date of the appraisal report. This analysis will determine whether a time adjustment based +on the contract date is warranted. A specific time adjustment to a comparable sale(s) may differ from the identified market trend +since the determination of whether an adjustment is made to a comparable sale is based on market changes between the +contract date of the comparable sale and the effective date of the appraisal report. For example, the 12-month value trend may +indicate a positive overall trend, however it's possible the market was stable (or declining) between the time period of the +contract date of the comparable and the effective date of the appraisal. See this illustration for Market Condition +Adjustments. Comparable(s) sales with a contract date that is recent in relation to the effective date of the appraisal report will +likely not have a time adjustment given the inability to identify a change in the market. The appraisal report must contain the +market analysis that supports the indicated market trends, and any adjustments made for changes in market conditions. + +Because the appraisal is for a specific point in time, (the effective date of the appraisal report), the appraiser must analyze +comparable sales for any changes in market conditions from their contract dates through the effective date of the appraisal +report to determine whether time adjustments are warranted. Time adjustments, or the lack thereof, must be supported by +evidence. Use of home price indices (HPIs) to support time adjustments is consistent with our policy. The adjustment rates can +also be determined through statistical analysis, modeling, paired sales, or other commonly accepted methods. The appraisal +report must, at a minimum, summarize the supporting evidence and include a description of the data sources, tool(s), and +technique(s) used. diff --git a/chunks/txt/7a27bab239d158f78dea61d94b5dd6ef4a8f47906d0d2852d59ef1271d90dc77.txt b/chunks/txt/7a27bab239d158f78dea61d94b5dd6ef4a8f47906d0d2852d59ef1271d90dc77.txt new file mode 100644 index 0000000000000000000000000000000000000000..1af746c77b2831ccc38a4907ae375a5fa2943a4d --- /dev/null +++ b/chunks/txt/7a27bab239d158f78dea61d94b5dd6ef4a8f47906d0d2852d59ef1271d90dc77.txt @@ -0,0 +1,79 @@ +PDF Display Format: +Whole numbers only. + +The price in terms of dollars per square +foot. This is a ratio between a price and +an area, but it is a monetary value rather +than a factor or rate. (i.e. sales price per +gross living area of a property) +The dollar value of total estimated costs +to reproduce new the property +improvement. (CALCULATED +A free form text field used to capture +additional information about new +property improvement reproduction costs. +The dollar value of total estimated costs +to reproduce new the property +improvement. (CALCULATED + +/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS +IS/NEW_IMPROVEMENT[@_Type=‘Other’]/@PricePerSquareFootAmou +nt + +10 + +Money + +PDF Display Format: +In dollars, to two decimal places. + +/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS +IS/NEW_IMPROVEMENT[@_Type=‘Other’]/@_CostAmount + +/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS +IS/NEW_IMPROVEMENT[@_Type=‘Additional’]/@_CostDescription + +/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS +IS/NEW_IMPROVEMENT[@_Type=‘Additional’]/@_CostAmount + +10 + +20 + +9 + +10 + +Money + +PDF Display Format: +Whole numbers only. + +String + +Money + +PDF Display Format: +Whole numbers only. + +Numeric + +PDF Display Format: +Whole numbers only. + +Square Feet Count + +Identifies an area measured in square feet. +(e.g. The area of a room or deck) + +/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS +IS/NEW_IMPROVEMENT[@_Type=‘Garage’]/@SquareFeetCount + +Price Per Square +Foot Amount + +The price in terms of dollars per square +foot. This is a ratio between a price and +an area, but it is a monetary value rather +than a factor or rate. (i.e. sales price per +gross living area of a property) diff --git a/chunks/txt/7a2bb9423bb62d9987046361ed6b7a1527217b08ce3d758b0818cd2d39da07fe.txt b/chunks/txt/7a2bb9423bb62d9987046361ed6b7a1527217b08ce3d758b0818cd2d39da07fe.txt new file mode 100644 index 0000000000000000000000000000000000000000..ce5ba2aee813be4517f8d2a4516dcc535d3cc96c --- /dev/null +++ b/chunks/txt/7a2bb9423bb62d9987046361ed6b7a1527217b08ce3d758b0818cd2d39da07fe.txt @@ -0,0 +1,82 @@ +162 + +Both + +165 + +Both + +168 + +170 + +Both + +Both + +173 + +Both + +Description/Definition + +Convertible ARM—Market Rate Option +Used to identify the post-conversion disposition option selected for a mortgage in an ARM +MBS pool under which the lender takes the interest rate risk when a converted ARM is +removed from an MBS pool. The converted mortgages may or may not be delivered to +Fannie Mae. + +Community Land Trust Mortgage +Used to identify a mortgage that is secured by improvements the borrower purchased from a +nonprofit community land trust and by a lease on land that the borrower is leasing from the +community land trust at affordable ground rents. +Recast Mortgage +Used to identify mortgage loans that have been re-amortized following the application of a +principal curtailment received from the borrower to recast and reduce the mortgage payment +prior to loan delivery. + +RD-Guaranteed Mortgage—Special Servicing Option +Used to identify a non-recourse mortgage guaranteed by Rural Development (RD) +under its RD 502 Loan Program. +New York Co-op Flexibilities +Used to identify and monitor co-op share loans originated with project exceptions permitted in +the Selling Guide or in negotiated terms that are common and customary in certain areas of +New York. +Community Seconds® +Used to identify a first mortgage that is part of a Community Seconds transaction. +Delivery is optional – code is auto-derived + +Desktop Underwriter® (DU®) Loan +This code is used for all mortgage loans underwritten through DU. +Delivery is optional – code is auto-derived +Conversions of Single Closing Construction-to-Permanent Financing +Used to identify a single-closing construction-to-permanent financing mortgage, which is +delivered to Fannie Mae by the lender as a permanent loan that was a conversion of interim +construction financing (formerly referred to as “one-time close” transaction). +Attorney Title Opinion Letter +Used to identify loans being delivered with an attorney title opinion letter in lieu of a title +insurance policy. +SSN Positively Validated through Social Security Administration +Used to identify loans for which the lender represents and warrants that it has validated the +borrowers’ Social Security Number (SSN) through the Social Security Administration (SSA). +Use this code only if there is a discrepancy identified with the SSN (for example, identified in +the credit report, DU or Loan Delivery edits), and the SSN was validated through the SSA. If +the loan cannot be validated with the SSA, the loan is not eligible for delivery to Fannie Mae. +Unit Number--Bypass Loan Delivery Edit +Used to bypass the unit number Loan Delivery edit that compares the delivered property +address to the U.S. Postal Service (USPS) database. The edit is triggered when there is a +discrepancy between the USPS data and the delivered data. The USPS may identify a unit +number for a property when one does not exist or may identify a unit number that does not +match the delivered unit number. The SFC should be used by the lender after verifying the +accuracy of the delivered data. This code cannot be used to bypass delivery of the unit number +when there is a valid unit number for the property. +Inter Vivos Revocable Trusts +Used to identify a mortgage loan that has an inter vivos revocable trust as a borrower. +Flood Insurance—Special Flood Hazard Area +Used to identify a mortgage for which some part of a principal and/or residential detached +structure on the property securing the mortgage loan is located in a Special Flood Hazard +Area and that flood insurance coverage is in place on the principal and/or residential +detached structure. +Delivery is optional – code is auto-derived +PACE +Used to identify eligible limited cash-out refinances where the PACE loan remains in place. diff --git a/chunks/txt/7a2c3821e50bed0be2a2db8f170c797ca90aa3c1d7b3788986cbb310dc34dd9f.txt b/chunks/txt/7a2c3821e50bed0be2a2db8f170c797ca90aa3c1d7b3788986cbb310dc34dd9f.txt new file mode 100644 index 0000000000000000000000000000000000000000..3c04c0d181ab75efc4b121694966671eb907aedf --- /dev/null +++ b/chunks/txt/7a2c3821e50bed0be2a2db8f170c797ca90aa3c1d7b3788986cbb310dc34dd9f.txt @@ -0,0 +1,64 @@ +I certify that I did perform a personal onsite inspection of the subject property to determine +if the conditions or requirements stated in the original appraisal have been satisfied. + +I certify that I did not perform a personal onsite inspection of the subject property to +determine if the conditions or requirements stated in the original appraisal have been +satisfied. + +09.015 + +Description: + +Page 49 + +Display Rules + +Always displays + +Always displays + +Always displays + +Always displays + +Always displays + +Always displays + +Always displays + +Display this text when +PersonalInspectionPerformedIndicator (UID: +2200.0027, FID: 09.014) = “true” +Display this text when +PersonalInspectionPerformedIndicator (UID: +2200.0027, FID: 09.014) = “false” and a description +must be provided using Description - +AppraisalConditionsSatisfiedVerificationDescription +(UID: 2200.0026, FID: 09.015) + +Report +Field ID + +Cert # + +Certifications Text + +09.016 + +7 + +If this report was transmitted as an “electronic record” containing my “electronic signature,” +as those terms are defined in applicable federal and/or state laws (excluding audio and video +recordings), or a facsimile transmission of this report containing a copy or representation of +my signature, I agree that my electronic signature has the same force and effect as my +manual handwritten signature, and that the report is enforceable and valid as a paper +version of this report would be if delivered containing my manual handwritten signature. + +Display Rules + +Always displays + +Page 50 + +When Additional Appraiser Certifications – AppraiserAdditionalCertificationIndicator (UID: 2200.0052, FID: Not on report) diff --git a/chunks/txt/7a2d3ea52acdab35c5456d388161a3c3802ba234beedbb65966b7382a9299e3f.txt b/chunks/txt/7a2d3ea52acdab35c5456d388161a3c3802ba234beedbb65966b7382a9299e3f.txt new file mode 100644 index 0000000000000000000000000000000000000000..ef9d64e0fd5877a5044ab8d607903f3990f7c51d --- /dev/null +++ b/chunks/txt/7a2d3ea52acdab35c5456d388161a3c3802ba234beedbb65966b7382a9299e3f.txt @@ -0,0 +1,91 @@ +3. 2 PURPOSE + +Purpose indicates the borrower(s) intended use of credit. The Regulation recognizes four Purpose values: + +1. Purchase + +2. Refinance + +3. Construction + +4. Home Equity Loan + +Note that the Regulation’s definitions for “Purchase”, “Refinance”, “Construction” and “Home Equity” loans +differ from those common to industry and defined in the MISMO v3.3.0 Logical Data Dictionary (LDD). In UCD, +the required data point LoanPurposeType has only two valid values: “Purchase” or “Refinance.” As shown in +Table 31, indicator data points for Construction and Home Equity loans also must be provided. The values of +three data points are used together to represent 3.2 Purpose. + +Appendix E: UCD Implementation Guide + +Page 48 of 254 + +Version 1.4 + +Uniform Closing Dataset + +3.0 Loan Information + +Table 31. UCD Data Point Combinations for Closing Disclosure Purpose Values + +3.2 Purpose Value + +IntegratedDisclosureHomeE +quityLoanIndicator Value + +ConstructionLoanIndicator +Value + +LoanPurposeType Value + +Purchase + +Refinance + +Home Equity Loan + +Construction Loan + +false + +false + +false + +true + +false + +false + +true6 + +false + +false + +true7 + +Purchase + +Purchase + +Refinance + +Refinance + +Refinance + +Three GSE-specific data points provide additional detail about the loan and are included in Tables 29 – 32. + +1. Lien position + +2. Whether subordinate financing is being created simultaneously with the subject loan + +3. For refinances, whether the loan is being refinanced with the current holder, servicer, or an affiliate of + +either. + +1. FOR MORE I NFORMAT I ON + +See 1.1. To Support ATR and QM Requirements and 2.3. To Support Data Clarity. diff --git a/chunks/txt/7a352894f33fe03a765ca3f5336c8a27d0ddb9a3727f5c4adc01b59c6f6afc48.txt b/chunks/txt/7a352894f33fe03a765ca3f5336c8a27d0ddb9a3727f5c4adc01b59c6f6afc48.txt new file mode 100644 index 0000000000000000000000000000000000000000..389ed09105286d875a2c2cd6ab569ecc0809ff8c --- /dev/null +++ b/chunks/txt/7a352894f33fe03a765ca3f5336c8a27d0ddb9a3727f5c4adc01b59c6f6afc48.txt @@ -0,0 +1,114 @@ +Level B1 + +Partially Below Grade • +• +• + +Below Grade Finished Area 10.006 +Below Grade Finished Area (Nonstandard) 10.007 +Below Grade Unfinished Area 10.008 + +Level 1 + +Above Grade + +Level 2 + +Above Grade + +• +• + +• +• + +Above Grade Finished Area 10.003 +Above Grade Finished Area (Nonstandard) 10.004 + +Above Grade Finished Area 10.003 +Above Grade Finished Area (Nonstandard) 10.004 + +Appendix F-1: URAR Reference Guide + +Page 134 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Example 2: + +10 Unit Interior + +Level in Unit, Grade Level Type, and Area Breakdown: Example 2 + +Level in Unit +10.029 + +Grade Level Type +10.030 + +Possible Answers in Area Breakdown + +Level B2 + +Level B1 + +Partially Below Grade • +• +• + +Below Grade Finished Area 10.006 +Below Grade Finished Area (Nonstandard) 10.007 +Below Grade Unfinished Area 10.008 + +Partially Below Grade • +• +• + +Below Grade Finished Area 10.006 +Below Grade Finished Area (Nonstandard) 10.007 +Below Grade Unfinished Area 10.008 + +Level 1 + +Above Grade + +• +• + +Above Grade Finished Area 10.003 +Above Grade Finished Area (Nonstandard) 10.004 + +Quality and Condition + +Interior Quality and Condition ratings provide support to the Overall Quality and Condition Ratings (15.000, +15.005). + +Report +Field ID + +10.034 + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Unit Interior: Quality and Condition + +Interior Quality +Rating + +Always required + +Q1 to Q6 + +Reference Appendix 2: Condition and Quality Rating Definitions for definitions. + +Interior Quality Rating also displays in Overall Quality and Condition (15.004) +and Sales Comparison Approach (22.09.03 and 22.10.02). diff --git a/chunks/txt/7a366edf37f4877a9116b97b5e84e28c6912719122b5923cc910f4c211be6519.txt b/chunks/txt/7a366edf37f4877a9116b97b5e84e28c6912719122b5923cc910f4c211be6519.txt new file mode 100644 index 0000000000000000000000000000000000000000..b08e8e33ccceb5cf1ff251762979ad9dc6b95c64 --- /dev/null +++ b/chunks/txt/7a366edf37f4877a9116b97b5e84e28c6912719122b5923cc910f4c211be6519.txt @@ -0,0 +1,90 @@ +DOS + +45 + +DOS/ +Assum + +45 + +DOS + +45 + +DOS/ +Assum + +45 + +DOS + +N + +N + +N + +N + +N + +N + +N + +1st + +1st + +1st + +1st + +1st + +1st + +1st + +85A + +85B + +85B + +85C + +85C + +85D + +85D + +© 2021 Fannie Mae. Trademarks of Fannie Mae. +This document is incorporated by reference into the Fannie Mae Selling Guide. + +Oct 2021 + +5 of 6 + +Product Names for Whole Loan ARM Plans in Pricing Execution – Whole Loan® + +Plan Number +4926 +4927 +4928 +4929 + +3/6 m SOFR ARM Plan 4926 +5/6 m SOFR ARM Plan 4927 +7/6 m SOFR ARM Plan 4928 +10/6 m SOFR ARM Plan 4929 + +Product Name + +© 2021 Fannie Mae. Trademarks of Fannie Mae. +This document is incorporated by reference into the Fannie Mae Selling Guide. + +Oct 2021 + +6 of 6 diff --git a/chunks/txt/7a36728e115365f593bdcf15b2adccf73477a297d88812634de623ef35e9e49d.txt b/chunks/txt/7a36728e115365f593bdcf15b2adccf73477a297d88812634de623ef35e9e49d.txt new file mode 100644 index 0000000000000000000000000000000000000000..6f37d09d9898ab1fc4a0468948b1d7d6ee9af76f --- /dev/null +++ b/chunks/txt/7a36728e115365f593bdcf15b2adccf73477a297d88812634de623ef35e9e49d.txt @@ -0,0 +1,4 @@ +Year: 2014 | Loan Number: 1 | FHLBankID: Boston | Program: 01 | FIPSStateCode: 04 | FIPSCountyCode: 013 | MSA: 38060 | FeatureID: 0000005032 | Tract: 4226.06 | MinPer: 20.5 | TraMedY: 105615 | LocMedY: 64408 | Tractrat: 1.6398 | Income: 355860 | CurAreY: 66400 | IncRat: 5.3593 | UPB: 400000 | LTV: 0.8 | MortDate: 2014 | AcquDate: 2014 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 360 | AmorTerm: 360 | FHFBID: 54835 | Seller: General Electric Employe | SellCity: Milford | SellSt: CT | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 5 | BoSex: 1 | CoSex: 2 | BoAge: 49 | CoAge: 46 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0438 | Amount: 400000 | Front: 0.0813 | Back: 0.1395 | Borrower Credit Score: 3 | CoBorrower Credit Score: 3 | PMI: 0.3 | Self: 2 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 5 | Corace2: 8 | Corace3: 8 | Corace4: 8 | Corace5: 8 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 1 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2 +Year: 2014 | Loan Number: 2 | FHLBankID: Boston | Program: 01 | FIPSStateCode: 09 | FIPSCountyCode: 001 | MSA: 14860 | FeatureID: 0000205720 | Tract: 0725.00 | MinPer: 51.97 | TraMedY: 84866 | LocMedY: 100593 | Tractrat: 0.8437 | Income: 60518 | CurAreY: 106700 | IncRat: 0.5672 | UPB: 156000 | LTV: 0.7 | MortDate: 2014 | AcquDate: 2014 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 360 | AmorTerm: 360 | FHFBID: 54835 | Seller: General Electric Employe | SellCity: Milford | SellSt: CT | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 5 | BoSex: 1 | CoSex: 2 | BoAge: 59 | CoAge: 55 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0475 | Amount: 156000 | Front: 0.2825 | Back: 0.4032 | Borrower Credit Score: 4 | CoBorrower Credit Score: 4 | PMI: 0 | Self: 2 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 5 | Corace2: 8 | Corace3: 8 | Corace4: 8 | Corace5: 8 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 1 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2 +Year: 2014 | Loan Number: 3 | FHLBankID: Boston | Program: 01 | FIPSStateCode: 09 | FIPSCountyCode: 001 | MSA: 14860 | FeatureID: 0000211578 | Tract: 0907.00 | MinPer: 13.07 | TraMedY: 142583 | LocMedY: 100593 | Tractrat: 1.4174 | Income: 191916 | CurAreY: 106700 | IncRat: 1.7987 | UPB: 587700 | LTV: 0.9 | MortDate: 2014 | AcquDate: 2014 | Purpose: 1 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 360 | AmorTerm: 360 | FHFBID: 54835 | Seller: General Electric Employe | SellCity: Milford | SellSt: CT | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 5 | BoSex: 1 | CoSex: 2 | BoAge: 37 | CoAge: 39 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0475 | Amount: 587700 | Front: 0.2847 | Back: 0.3728 | Borrower Credit Score: 5 | CoBorrower Credit Score: 4 | PMI: 0 | Self: 2 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 5 | Corace2: 8 | Corace3: 8 | Corace4: 8 | Corace5: 8 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2 +Year: 2014 | Loan Number: 4 | FHLBank diff --git a/chunks/txt/7a6615a732b55b96045fabf6390cb2add82cddc54bb8a480e6b15ee1f536f645.txt b/chunks/txt/7a6615a732b55b96045fabf6390cb2add82cddc54bb8a480e6b15ee1f536f645.txt new file mode 100644 index 0000000000000000000000000000000000000000..a783dced7c4864a24c3e3da0282382506fcbe754 --- /dev/null +++ b/chunks/txt/7a6615a732b55b96045fabf6390cb2add82cddc54bb8a480e6b15ee1f536f645.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/programs/housing-finance-examiner-commission" +date_accessed: "2026-01-27T17:54:20.515Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/7a6ba282a9308ba1c9eed63311893a1a4d6492c4a3e50fab34ea7379acbeda0d.txt b/chunks/txt/7a6ba282a9308ba1c9eed63311893a1a4d6492c4a3e50fab34ea7379acbeda0d.txt new file mode 100644 index 0000000000000000000000000000000000000000..ad594eb63b690f3e37de8755e3e26a1f26fdb8ad --- /dev/null +++ b/chunks/txt/7a6ba282a9308ba1c9eed63311893a1a4d6492c4a3e50fab34ea7379acbeda0d.txt @@ -0,0 +1,90 @@ +50 + +50 + +50 + +50 + +50 + +50 + +50 + +55 + +50 + +50 + +Date/Time + +Data Format: +yyyy-mm-dd + +PDF Display Format: +mm/dd/yyyy + +String + +String + +String + +String + +String + +String + +String + +String + +String + +String + +String + +String + +String + +String + +String + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. + +This field may not exist in all forms vendor +software. + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. + +This field may not exist in all forms vendor +software. + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. + +This field may not exist in all forms vendor +software. + +This field may not exist in all forms vendor +software. + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. diff --git a/chunks/txt/7a8193e4f8c3b03cef65ee852adb319350077a85edb21432b5becc35ebf503c9.txt b/chunks/txt/7a8193e4f8c3b03cef65ee852adb319350077a85edb21432b5becc35ebf503c9.txt new file mode 100644 index 0000000000000000000000000000000000000000..9b6f8bebedc1d92f37cda6c7fcba16b849f68eaf --- /dev/null +++ b/chunks/txt/7a8193e4f8c3b03cef65ee852adb319350077a85edb21432b5becc35ebf503c9.txt @@ -0,0 +1,25 @@ +UAD 3.6 Policy + +• default remedies in the event a party to the agreement or covenant fails to comply with their obligations; and + +• + +the effective term of the agreement or covenant, which in most cases should be perpetual and binding on any future +owners. + +Note: If the property is located within a state that has statutory provisions that define the responsibilities of property owners for +the maintenance and repair of a private street, no separate agreement or covenant is required. + +If the property is not located in a state that imposes statutory requirements for maintenance, and either there is no agreement or +covenant for maintenance of the street, or an agreement or covenant exists but does not meet the requirements listed above, the +lender may still sell the loan. However, the lender is required to indemnify Fannie Mae (as described in Selling Guide A2-1-03, +Indemnification for Losses) against all losses incurred by Fannie Mae as a result of the physical condition of the street or in order +to establish and/or retain access to the street. + +Hazard Zone(s) + +The appraiser must report all hazard zones that impact the subject property, including but not limited to, a Flood Hazard Zone +that is identified on the Federal Emergency Management Agency’s (FEMA) Flood Insurance Rate Maps or a lava flow zone, based +on a United States Geological Survey. For additional information concerning Fannie Mae’s policies on flood insurance, see Selling +Guide B7-3-06, Flood Insurance Requirements for All Property Types and for Hawaiian lava flow zones, see SB2-3-04, Special +Property Eligibility Considerations. diff --git a/chunks/txt/7a844a3768e835e1806e46fe33bf8f95ed866802058accf6dddb8b0108362fbb.txt b/chunks/txt/7a844a3768e835e1806e46fe33bf8f95ed866802058accf6dddb8b0108362fbb.txt new file mode 100644 index 0000000000000000000000000000000000000000..0fb27f71d7d9906fafe2c6d55446b213ee363a79 --- /dev/null +++ b/chunks/txt/7a844a3768e835e1806e46fe33bf8f95ed866802058accf6dddb8b0108362fbb.txt @@ -0,0 +1,269 @@ +This is where the +Comparable 2 photo +would display. + +This is where the +Comparable 3 photo +would display. + +MLS HC3148234 | +Assessor Record + +MLS HC3183023 | +Assessor Record + +MLS HC1234823 | +Assessor Record + +0.24 Miles N + +$339,900 + +Settled Sale + +$335,000 + +$0 + +$0 + +$0 + +$1,500 + +11/17/2023 + +12/28/2023 + +39 + +— + +— + +— + +— + +— + +Detached + +Detached + +0.16 Miles W + +$350,000 + +Settled Sale + +$350,000 + +$2,500 + +12/15/2023 + +01/05/2024 + +50 + +Detached + +$0 + +$0 + +$0 + +$3,000 + +12/01/2023 + +01/15/2024 + +72 + +Detached + +0.40 Miles E + +$364,900 + +Settled Sale + +$364,900 + +$0 + +$0 + +$0 + +15,000 Sq. Ft. + +13,500 Sq. Ft. + +$0 + +15,000 Sq. Ft. + +Hilltop Hills + +Hilltop Hills + +Hilltop Hills + +15,000 Sq. Ft. + +Hilltop Hills + +Residential | Full + +High Density +Residential | Full + +$6,500 + +Residential | Full + +Residential | Full + +2018 + +2017 + +$0 + +2018 + +2019 + +$0 + +Forced Warm Air +| Natural Gas + +Forced Warm Air +| Natural Gas + +Forced Warm Air +| Natural Gas + +Forced Warm Air +| Natural Gas + +3 + +2 | 0 + +3 + +2 | 0 + +3 + +2 | 0 + +3 + +2 | 0 + +1,260 Sq. Ft. + +1,200 Sq. Ft. + +$4,500 + +1,260 Sq. Ft. + +1,312 Sq. Ft. + +$(3,900) + +0 Sq. Ft. + +0 Sq. Ft. + +0 Sq. Ft. + +0 Sq. Ft. + +Baths - Full | Half + +Finished Area Above Grade + +Finished Area Below Grade + +Quality and Condition (Ratings: 1-6, 1 is highest) + +Exterior Quality and Condition + +Quality + +Condition + +Interior Quality and Condition + +Quality + +Condition + +Overall Quality and Condition (Ratings: 1-6, 1 is highest) + +Quality + +Condition + +Property Amenities + +Outdoor Living + +Vehicle Storage + +Q4 + +C3 + +Q4 + +C3 + +Q4 + +C3 + +Q4 + +C3 + +Q4 + +C3 + +Q4 + +C3 + +Q4 + +C3 + +Q4 + +C3 + +Q4 + +C3 + +Q4 + +C3 + +Q4 + +C3 + +Q4 + +C3 diff --git a/chunks/txt/7a87062e3bcf39cc9e6aa807ddc6eb5d99c583398e8e91d7ac6eb01289b5cf1a.txt b/chunks/txt/7a87062e3bcf39cc9e6aa807ddc6eb5d99c583398e8e91d7ac6eb01289b5cf1a.txt new file mode 100644 index 0000000000000000000000000000000000000000..4071649be00151f2706ec0b19cf84c005591e0f9 --- /dev/null +++ b/chunks/txt/7a87062e3bcf39cc9e6aa807ddc6eb5d99c583398e8e91d7ac6eb01289b5cf1a.txt @@ -0,0 +1,74 @@ +• Release Test Cases > DU for Government March Release Test Cases + +Additional Resources + +For additional information, please reference the documents and web sites listed below. + +Document Name and +Description + +URL + +Online HUD Handbook 4000.1 + +http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/handbook_400 +0-1 + +HUD Mortgagee Letters + +https://www.hud.gov/hudclips/letters/mortgagee + +© 2023 Fannie Mae. Trademarks of Fannie Mae. + +3.9.23 + +2 of 3 + +Document Name and +Description + +URL + +FHA Mortgage Limits + +https://entp.hud.gov/idapp/html/hicostlook.cfm + +CHUMS Data Files + +http://www.hud.gov/pub/chums/file_layouts.html + +FHA Resource Center: Contact +Information and FAQs + +http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/fharesourcectr + +VA Lender’s Handbook + +https://benefits.va.gov/warms/pam26_7.asp + +VA Circulars + +VA Loan Limits + +http://www.benefits.va.gov/homeloans/new.asp + +http://www.benefits.va.gov/homeloans/loan_limits.asp + +VA Regional Loan Centers: Contact +Information + +Release Support + +https://www.benefits.va.gov/homeloans/contact_rlc_info.asp + +The DU for government loans release was implemented in the DU integration environment on Feb. 15, 2023. + +If you have questions about the integration impact or if you require support specific to this release, contact +Integration Support. For more information about DU, visit the DU & DO web page or contact your Fannie Mae Business +Account Management Solutions (BAMS) team or your Digital Alliances Manager. + +© 2023 Fannie Mae. Trademarks of Fannie Mae. + +3.9.23 + +3 of 3 diff --git a/chunks/txt/7a878fa85559de2449988495f892a09527d62bdc4506cbadbfbe1c8d6e360087.txt b/chunks/txt/7a878fa85559de2449988495f892a09527d62bdc4506cbadbfbe1c8d6e360087.txt new file mode 100644 index 0000000000000000000000000000000000000000..1b68968d1fcee65d1e5dcb19ab411822a9b082cd --- /dev/null +++ b/chunks/txt/7a878fa85559de2449988495f892a09527d62bdc4506cbadbfbe1c8d6e360087.txt @@ -0,0 +1,129 @@ +A free-form text field used to describe +or reconcile the different property +valuation methods used to arrive at +the final property valuation. + +/VALUATION_RESPONSE/VALUATION/_R +ECONCILIATION/@_SummaryComment + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must +be captured and included in the XML data point. + +391 + +2 + +129 + +RECONCILIATION + +The appraisal is made +“as is” + +Valuation +Reconciliation +Condition of +Appraisal Type + +Specifies the appraisal's conclusion's +dependency on future repairs or +activities. + +/VALUATION_RESPONSE/VALUATION/_R +ECONCILIATION/_CONDITION_OF_APPRA +ISAL[@_Type='AsIs'] + +20 + +Enumerated UAD Requirement - Refer to Appendix D Reconciliation Section + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +This data is referenced more than once on the form (field 2-125) and must be +represented consistently. + +PDF Display Format: +Whole dollars only +UAD Requirement - Refer to Appendix D Reconciliation Section +This data is referenced more than once on the form (field 2-124) and must be +represented consistently. + +PDF Display Format: +Whole dollars only +This data is referenced more than once on the form (field 3-37) and must be +represented consistently. + +PDF Display Format: +Whole dollars only +This data is referenced more than once on the form (field 3-40) and should be +represented consistently. + +R + +R + +T + +T + +R + +R + +T + +T + +T + +R + +R + +T + +T + +R + +R + +T + +T + +T + +R + +R + +T + +T + +R + +R + +T + +T + +T + +CR + +CR + +CR + +Should be populated if there is an indicated +value in field 3-37 + +Should be populated ifthere is an indicated +value in field 3-40 diff --git a/chunks/txt/7a8e4d341eaf8027cf8c14667bec7d2510941fa22a2e1ef20d1825799cd0bdfc.txt b/chunks/txt/7a8e4d341eaf8027cf8c14667bec7d2510941fa22a2e1ef20d1825799cd0bdfc.txt new file mode 100644 index 0000000000000000000000000000000000000000..47961d39addd786346695243f827fdd0861a3e98 --- /dev/null +++ b/chunks/txt/7a8e4d341eaf8027cf8c14667bec7d2510941fa22a2e1ef20d1825799cd0bdfc.txt @@ -0,0 +1,149 @@ +Project Per Unit Fee +Amount + +The amount charged to each unit by the +project management. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/_PER_UNIT_FEE/@ +_Amount + +/VALUATION_RESPONSE/PROPERTY/PROPERTY_EXTENSION/ +PROPERTY_EXTENSION_SECTION[@ExtensionSectionOrganizationNa +me='UNIFORM APPRAISAL +DATASET']/PROPERTY_EXTENSION_SECTION_DATA/PROPERTY_ +TYPE/@GSE_PUDIndicator + +1 + +9 + +Boolean + +UAD Requirement - Refer to Appendix D Subject Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that +the box has not been checked. + +Money + +UAD Requirement - Refer to Appendix D Subject Section +Whole dollars only. If there are no mandatory HOA fees applicable to the subject +property, appraiser must enter zero (0) in this data field. + +The total of all of the property's special +real estate taxes for this tax year (Property +Tax Year Identifier) across all tax +jurisdictions and authorities. This is the +amount assessed for the tax year, not the +amount paid. (see Property Tax Special). +Specifies a class of supplementary +information that is provided for the +project, based on the ownership, +development, and usage of common +property. + +T + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +CR + +T + +R + +R + +Form FNM 2055 FRE 2055 +Appendix B: GSE Appraisal Forms Mapping + +Page 172 of 211 + +Document Version 1.4 + +Sort +ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point +Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +26 + +27 + +28 + +29 + +30 + +31 + +32 + +33 + +34 + +35 + +36 + +37 + +27 + +28 + +29 + +30 + +31 + +32 diff --git a/chunks/txt/7a98eb58bc020b928ad5cada11ebe83b6bba749184f8c66665531cf4127fff49.txt b/chunks/txt/7a98eb58bc020b928ad5cada11ebe83b6bba749184f8c66665531cf4127fff49.txt new file mode 100644 index 0000000000000000000000000000000000000000..71c2f3d78f0c792e6b5fa0a294830cc944228f06 --- /dev/null +++ b/chunks/txt/7a98eb58bc020b928ad5cada11ebe83b6bba749184f8c66665531cf4127fff49.txt @@ -0,0 +1,106 @@ +Completion +Inspection +Repair (includes replacement) +None (does not require repair, replacement, completion, or inspection) + +The recommended action for the defect, damage, or deficiency. +• +• +• +• +Note: +• + +If Completion, Inspection, or Repair is reported for any defect, damage, or +deficiency + +o + +o + +o + +The report must be made subject to the resolution of the item +(Market Value Condition 26.009 cannot be As Is). +Condition Status for the item, if applicable, must reflect the +future “resolved” condition. +If Repair is selected, the estimated cost to repair may be +provided in the Reconciliation section. + +Dwelling Exterior Commentary + +Report +Field ID + +8.061 + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +If applicable + +Free-form + +Dwelling +Exterior +Commentary + +Commentary could include information pertinent to the Dwelling Exterior +section that is not captured in the discrete data, or additional details to support +the discrete data that is provided. + +Appendix F-1: URAR Reference Guide + +Page 114 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +08 Dwelling Exterior + +Dwelling Exterior Exhibits + +All photos or images related to the Dwelling Exterior section are displayed in the Dwelling Exterior Exhibits +subsection. If there are no photos or images, this subsection does not display. + +Dwelling Exterior Exhibits + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +See +iGuide + +Dwelling +Exterior Exhibits + +If required by client or +scope of work + +Photo + +See +iGuide + +Dwelling +Exterior Exhibits + +If applicable + +Photo + +Definition / Additional Guidance diff --git a/chunks/txt/7aa76cab7655434c1940ffa4d00d9219b94ec39e8bb48d326252d6c124a99d24.txt b/chunks/txt/7aa76cab7655434c1940ffa4d00d9219b94ec39e8bb48d326252d6c124a99d24.txt new file mode 100644 index 0000000000000000000000000000000000000000..6cdc541d16c07a702f2f3902161eb6ec2490aad9 --- /dev/null +++ b/chunks/txt/7aa76cab7655434c1940ffa4d00d9219b94ec39e8bb48d326252d6c124a99d24.txt @@ -0,0 +1,53 @@ +Uniform Appraisal Dataset (UAD) Specification +Issued by Fannie Mae and Freddie Mac +Appendix F-1: URAR Reference Guide +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. + +. + +Uniform Appraisal Dataset + +Revision History + +Revision History + +This chapter shows revisions to this document since its initial publication on March 29, 2023. + +Version 1.3 (Published June 10, 2025) + +Reference Guide +Chapter + +Change # + +Version 1.3 (Published June 10, 2025) + +Revision Description + +Clarifications to align with ANSI, including reporting ANSI Declarations and nonstandard area. +• Clarified the ‘Definition / Additional Guidance’ column for Measurement Standard (7.001) and Sketch Commentary + +(7.003). + +2025-030 + +• Clarified definitions for Above Grade Finished Area (Nonstandard) (10.004) and Below Grade Finished Area + +(Nonstandard) (10.007) to include areas accessed through unfinished areas. + +• Added ANSI Examples 2 and 3: Areas Without Direct Interior Access for reporting below grade areas without interior + +access from a unit. + +2025-031 + +Clarified that Condition Status is only applicable for some features in Dwelling Exterior and Unit Interior. +• Updated guidance on Condition Status for Recommended Action in Dwelling Exterior (8.060) and Unit Interior (10.060). +• Removed reference to Condition Status for Recommended Action in Site (4.104) and Outbuilding (12.024). + +Various diff --git a/chunks/txt/7aa778e274876540d42902dcd602492cec55fd246dc2beaf2f58c445a0fd660c.txt b/chunks/txt/7aa778e274876540d42902dcd602492cec55fd246dc2beaf2f58c445a0fd660c.txt new file mode 100644 index 0000000000000000000000000000000000000000..387541686cddf153ebad55ca4d9faf8cbde1956c --- /dev/null +++ b/chunks/txt/7aa778e274876540d42902dcd602492cec55fd246dc2beaf2f58c445a0fd660c.txt @@ -0,0 +1,38 @@ +(cid:1)(cid:2) + +(cid:1)(cid:2) + +(cid:1)(cid:2) + +(cid:1)(cid:2) + +(cid:1)(cid:2) + +(cid:1)(cid:2) + +(cid:1)(cid:2) + +(cid:1)(cid:2) + +(cid:1)(cid:2) + +(cid:1)(cid:2) + +(cid:1)(cid:2) + +(cid:1)(cid:2) + +(cid:1)(cid:2) + +(cid:1)(cid:2) + +(cid:1)(cid:2) + +(cid:1)(cid:2) + +(cid:1)(cid:2) + +(cid:4)(cid:26)(cid:26)(cid:27)(cid:13)(cid:21)(cid:28)(cid:13)(cid:22)(cid:32)(cid:12)(cid:17)(cid:27)(cid:28)(cid:21)(cid:25)(cid:24)(cid:1)(cid:32) (cid:20)(cid:19)(cid:1)(cid:3)(cid:3)(cid:7)(cid:24) + +(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1) +(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21) diff --git a/chunks/txt/7ac391a924a2dd2af9fcab2a03137677f2bee61058fc129b7c3af559012a0984.txt b/chunks/txt/7ac391a924a2dd2af9fcab2a03137677f2bee61058fc129b7c3af559012a0984.txt new file mode 100644 index 0000000000000000000000000000000000000000..47befbf8935d46a6d2121cd102f53c88c79b8acc --- /dev/null +++ b/chunks/txt/7ac391a924a2dd2af9fcab2a03137677f2bee61058fc129b7c3af559012a0984.txt @@ -0,0 +1,63 @@ + Optional (O): The corresponding data point is listed as an R or +CR in Freddie Mac’s ULDD. Incorporating these data points as +part of system interfaces and processes is optional for Fannie +Mae submissions. + +FNM Conditionality +Details + +This column provides the criteria for the Fannie Mae conditionality +of the corresponding MISMO data point. + +FNM Implementation +Notes + +This column provides additional instructions or clarification for +supporting the corresponding MISMO data point. + +ULDDS Format + +This column lists the data format types supported by the ULDD: + Amount + Boolean + Date + Datetime + Day + Enumerated + Numeric + Percent + String +Refer to section 5.10, Data Format Type, for additional information +about the supported data value formats. + +© 2018 Fannie Mae. Trademarks of Fannie Mae. + +June 2018 | 10 of 22 + +Column Name + +FNM Supported +Enumerations + +FNM Format + +Column Name Description + +This column only applies to MISMO data points with enumerated +indicator and lists the Fannie Mae supported MISMO enumerations +(allowable values) for the corresponding MISMO data point. The +cell is blank when the MISMO data point does not have associated +valid values. +This column identifies a number of data points where Fannie Mae +has a different format length restriction compared to the format +length specified in the ULDDs Format column. An asterisk (*) +indicates there is a difference. + +The column definitions enclosed in the table above are also provided in the Column Description +tab available in Appendix D: Fannie Mae XML Data Reference + +5. Creating an XML File +The loan delivery XML file must be created using the XML format described in Appendix A (or D): Fannie +Mae XML Data Reference, which is based on the Uniform Loan Delivery Dataset and MISMO Version 3.0 +Reference Model. Additional data points not available in the MISMO Version +3.0 Reference Model are accessed using extension containers. diff --git a/chunks/txt/7ac50f01b9ce764f0df6cef88b5c4cd64927a04235a0648f320c8fcdb3ec57f6.txt b/chunks/txt/7ac50f01b9ce764f0df6cef88b5c4cd64927a04235a0648f320c8fcdb3ec57f6.txt new file mode 100644 index 0000000000000000000000000000000000000000..69699fa6b1e067e53345d1e1a31a16c1a0605538 --- /dev/null +++ b/chunks/txt/7ac50f01b9ce764f0df6cef88b5c4cd64927a04235a0648f320c8fcdb3ec57f6.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/supervision/libor-transition" +date_accessed: "2026-01-27T17:54:20.418Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/7ae007c4721eaac6890babf9b7316db0388cd499336a4c80428e456800f513ae.txt b/chunks/txt/7ae007c4721eaac6890babf9b7316db0388cd499336a4c80428e456800f513ae.txt new file mode 100644 index 0000000000000000000000000000000000000000..7c8dbecd3a49002f4a4bab941fee35fd2a2588be --- /dev/null +++ b/chunks/txt/7ae007c4721eaac6890babf9b7316db0388cd499336a4c80428e456800f513ae.txt @@ -0,0 +1,54 @@ + Latest Loan Position: + +Interest Only End Date +Interest Only Term + +o Amortization Term +o +o +o Loan Status +o Maximum Amoritization Term +o Gross Actual UPB Amount +o Gross Scheduled UPB Amount +o Loan Age +o Reclassification Date +o Reclassification Effective Date + +© 2018 Fannie Mae. Trademarks of Fannie Mae. 1 of 2 + + Origination and Acquisition: + +o Original P&I Amount +o Original Amoritization Type +o Original LTV Ration +o Acquisition Scheduled UPB Amount +o Note Date +o Mortgage Type + Credit Enhancement: + +o Mortgage Insurance Premium Lender Paid Percent +o Foreclosure Loss Risk Description +o Recourse Responsible Party +o Recourse Description + + General Loan Details: +o MERS ID +o Pool Prefix + +In addition, the naming conventions of attributes and field headings have been updated for +consistency throughout the application. This applies to both on-screen and in the data +downloads. + +Defect Remediation + +Multiple defects will be remediated with this release improving system usability. Details of the +corrections are as follows: + +Defects + +Current LAR Tab Blank after Del Mod – A defect was resolved for the scenario where an applied LAR +(accepted or soft reject) prior to a successfully closed and bridged delinquency modification was not +showing in the current LAR tab. Previously, LSDU would not show the LAR information. +Multiple Clicks on Cash Adjustments Link – A defect was resolved for the functinality of clicking on the +Cash Adjustments link in the Cash position Search Results. Previously, the user would need to click the +link multiple times to get to the Cash Adjustments Details screen. diff --git a/chunks/txt/7ae0b557f15f8d111a344b7ebd162ca604b64474faa0a686c29bbe93a28b98d6.txt b/chunks/txt/7ae0b557f15f8d111a344b7ebd162ca604b64474faa0a686c29bbe93a28b98d6.txt new file mode 100644 index 0000000000000000000000000000000000000000..25d944d61252cfbcbb37958ab0f05c9fa9a3b063 --- /dev/null +++ b/chunks/txt/7ae0b557f15f8d111a344b7ebd162ca604b64474faa0a686c29bbe93a28b98d6.txt @@ -0,0 +1,98 @@ +Figure 4 - 3 + +Page 26 + +When Lender/AMC is Not the Client + +Deliver the appraisal management company information when an appraisal management company exists but is not the client. (Figure 4 - 4) + +Figure 4 - 4 + +Page 27 + +Page 28 + +Assignment Information: Contact Information – [Role]/[Role] – Non-Clients + +Report +Field ID + +Report Label + +Unique ID MISMO Data Point Name + +04.006 + +Company Name + +2400.0324 FullName + +2400.0325 AddressLineText + +2400.0326 CityName + +2400.0328 StateCode + +2400.0327 PostalCode + +04.007 + +Company +Address + +Credentials + +04.008 + +ID + +2400.0400 LicenseIdentifier + +04.009 + +State + +2400.0401 LicenseIssuingAuthorityStateCode + +04.010 + +Expires + +2400.0399 LicenseExpirationDate + +Appraiser, Supervisory Appraiser, + +Display Rules + +When PartyRoleType (UID: 2400.0373, FID: 04.048) = “Lender” or +“Management Company”… + +… displays + +… displays + +… displays + +… displays + +… displays + +If LicenseIdentifier, LicenseIssuingAuthorityStateCode, and +LicenseExpirationDate are not provided, do not display report +label. + +Display when provided for PartyRoleType (UID: 2400.0323, FID: +04.048) = “ManagementCompany”. If not provided, do not display +report label. + +Display when provided for PartyRoleType (UID: 2400.0323, FID: +04.048) = “ManagementCompany”. If not provided, do not display +report label. + +Display when provided for PartyRoleType (UID: 2400.0323, FID: +04.048) = “ManagementCompany”. If not provided, do not display +report label. + +This portion of Contact Information shows details about the Appraiser and Supervisory Appraiser, when applicable. + +• The Appraiser displays first, followed by the Supervisory Appraiser (when provided). diff --git a/chunks/txt/7af00cac827d55f16359d96d05628434150c08469d2c123b81d3c2e68d685e8d.txt b/chunks/txt/7af00cac827d55f16359d96d05628434150c08469d2c123b81d3c2e68d685e8d.txt new file mode 100644 index 0000000000000000000000000000000000000000..c7a22ed8936ba569ba3d8dac5832a5e82215bf0b --- /dev/null +++ b/chunks/txt/7af00cac827d55f16359d96d05628434150c08469d2c123b81d3c2e68d685e8d.txt @@ -0,0 +1,5 @@ +Cost Approach Exhibits ............................................................................................................................................................................................................. 339 + +Cost Approach – Arcrole Relationships .................................................................................................................................................................................... 340 + +26 Reconciliation ................................................................................................................................................................................................................................. 346 diff --git a/chunks/txt/7b01f8e6f23e8b8a8161d69e4ac0c1cb453ae2a1266ea9bc8a0fc0888a672d43.txt b/chunks/txt/7b01f8e6f23e8b8a8161d69e4ac0c1cb453ae2a1266ea9bc8a0fc0888a672d43.txt new file mode 100644 index 0000000000000000000000000000000000000000..a270e1bdbff8e44ef3817ddfd328ee6329e3b4c0 --- /dev/null +++ b/chunks/txt/7b01f8e6f23e8b8a8161d69e4ac0c1cb453ae2a1266ea9bc8a0fc0888a672d43.txt @@ -0,0 +1,80 @@ +M01: The loan-level Mission Score for this loan is 01. This +score is calculated based on the data provided, final +scores are calculated when the loan is purchased/pool is +closed, and all data is final. + +M02: The loan-level Mission Score for this loan is 02. This +score is calculated based on the data provided, final +scores are calculated when the loan is purchased/pool is +closed, and all data is final. + +M03: The loan-level Mission Score for this loan is 03. This +score is calculated based on the data provided, final +scores are calculated when the loan is purchased/pool is +closed, and all data is final. + +Apr 22 + +Mission Score + +© 2025 Fannie Mae + +Effective +Date + +Impacted +Area + +Version + +Description + +File +Type + +Impact + +For more information on the Mission Index and the Social +Bond Framework, visit Fannie Mae’s website and/or read +the Mission in Focus: Enhanced Disclosures Lay the +Groundwork for Single-Family Social MBS Perspectives +blog. + +Apr 22 + +Edit Updates + +7.6.12 + +One DU validation edit moving to Warning + +ULAD- +MISMO 3.4 + +New observational edits for Mission Score (see above for +details) + +ULDD- +MISMO 3.0 + +May 1 + +7.6.13 + +First- +Generation +Homebuyer + +One edit for Duty to Serve moving to Warning to Fatal, one +DU validation edit moving to Warning + +Modifying warning edits for credit score + +One new Warning edit related to CPM – Property Data + +Fannie Mae recently announced the introduction of the +definition for a first-generation homebuyer loan. To +support this announcement, EarlyCheck will introduce +Special Feature Code 886 (First Generation Homebuyer +Loan) and 2 new fatal edits, 1105 and 1106, to assist in +assessing first-generation homebuyer loan eligibility. diff --git a/chunks/txt/7b2dfc2b6845e86e242bc1e0186177fd7c805105fd05bde64b681a7007afc307.txt b/chunks/txt/7b2dfc2b6845e86e242bc1e0186177fd7c805105fd05bde64b681a7007afc307.txt new file mode 100644 index 0000000000000000000000000000000000000000..224c396e744f10b3695016eab5a11b82c6c806f3 --- /dev/null +++ b/chunks/txt/7b2dfc2b6845e86e242bc1e0186177fd7c805105fd05bde64b681a7007afc307.txt @@ -0,0 +1,15 @@ +​​ + +## National Average Contract Mortgage Rate + +--- + +The data, tabulated and published as described above, is used to compile FHFA’s monthly adjustable-rate mortgage index entitled the “National Average Contract Mortgage Rate for the Purchase of Previously Occupied Homes by Combined Lenders.” This index is the successor to the index previously maintained by the former Federal Home Loan Bank Board. + +**Announcement Date** **Index Month** **Index Rate** **News Release** ​May 29, 2019 April 2019​ 4.15​ [[PAGE]​](/news/news-release/fhfa-index-shows-mortgage-rates-decreased-in-april) ​April 30, 2019 March 2019​ ​4.36 [[PAGE]​](/news/news-release/fhfa-index-shows-mortgage-rates-decreased-in-march) ​March 28, 2019 February 2019​ 4.46 [[PAGE]​](/news/news-release/fhfa-index-shows-mortgage-rates-decreased-in-february-2019) February 28, 2019 January 2019​ ​4.60​ [[PAGE]​](/news/news-release/fhfa-index-shows-mortgage-rates-decreased-in-january) ​January 24, 2019 December 2018​ ​4.83​ [[PAGE]​](/news/news-release/fhfa-indices-show-little-movement-in-mortgage-interest-rates-in-december) ​December 27, 2018 November 2018​ ​4.86 [​[PAGE]](/news/news-release/fhfa-index-shows-mortgage-rates-increased-in-november-2017) [Historical National Average Contract Mortgage Rate Index Values](/national-average-contract-mortgage-rate-history) + +## MIRS Microdata File + +--- + +[MIRS Public Use File (CSV)](/media/50751) diff --git a/chunks/txt/7b498fa1d0cc5cf3972022746bb9a418dd4eaee42b8d3427b75415a39839ded9.txt b/chunks/txt/7b498fa1d0cc5cf3972022746bb9a418dd4eaee42b8d3427b75415a39839ded9.txt new file mode 100644 index 0000000000000000000000000000000000000000..76bdbad03948c1db855b4fee0ef49668c788fad6 --- /dev/null +++ b/chunks/txt/7b498fa1d0cc5cf3972022746bb9a418dd4eaee42b8d3427b75415a39839ded9.txt @@ -0,0 +1,36 @@ +- [Working with Us](/working-with-us) - [Become a Seller/Servicer](/working-with-us/become-a-seller-servicer/overview) - [Responsible Lending](/working-with-us/become-a-seller-servicer/responsible-lending) + - [Resources for Responsible Lending](/working-with-us/become-a-seller-servicer/responsible-lending) + - [Requirements](/working-with-us/become-a-seller-servicer/eligibility-requirements) + - [Annual Certification and Change and Activity Reporting](/working-with-us/become-a-seller-servicer/annual-certification-change-activity-reporting) + - [Origination & Underwriting](/working-with-us/origination-underwriting/overview) - [Improving Workflow](/working-with-us/origination-underwriting/improving-workflow) + - [Mortgage Products](/working-with-us/origination-underwriting/mortgage-products) + - [Resources & Learning](/working-with-us/origination-underwriting/resources-learning) + - [Selling & Delivery](/working-with-us/selling-delivery/overview) - [Selling with Confidence](/working-with-us/selling-delivery/selling-with-confidence) + - [Delivery, Options & Pricing](/working-with-us/selling-delivery/delivery-options-pricing) + - [Resources & Learning](/working-with-us/selling-delivery/resources-learning) + - [Servicing](/working-with-us/servicing/overview) - [Servicing Excellence](/working-with-us/servicing/servicing-excellence) + - [Servicing Products and Programs](/working-with-us/servicing/products-programs) + - [Resources](/working-with-us/servicing/resources) + - [Affordable Lending](/working-with-us/affordable-lending/overview) - [Solutions](/working-with-us/affordable-lending/solutions) + - [Reaching Borrowers](/working-with-us/affordable-lending/reaching-borrowers) + - [News & Insights](/working-with-us/affordable-lending/news-insights) + - [CreditSmart](/working-with-us/creditsmart/overview) + - [DPA One](/working-with-us/affordable-lending/dpa-one) + - [eMortgage](/working-with-us/electronic-loan-documents/overview) - [eDisclosures and eClosings](/working-with-us/electronic-loan-documents/edisclosures-and-eclosings) + - 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[Housing Finance Agencies](/working-with-us/housing-finance-agencies/hfa-overview) - [HFA Resource Center](/working-with-us/housing-finance-agencies/hfa-resource-center) + - [Housing Finance Agency Forms](/working-with-us/housing-finance-agencies/hfa-forms) + - [Contact Us](/working-with-us/housing-finance-agencies/contact-us) + - [Real Estate Professionals](/working-with-us/real-estate-professionals/resource-center) - [Training](/working-with-us/real-estate-professionals/training) + - [Secondary Market Advisors](/working-with-us/secondary-market-advisors/working-with-smas) - [Integrated SMAs](/working-with-us/secondary-market-advisors/integrated-secondary-market-advisors) + - [Software Provider Resource Center](/general/software-provider-resource-center) + - [Technology](/tools-learning) - [System Status](/tools-learning/system-status) - [Freddie Mac Gateway](/tools-learning/system-stat diff --git a/chunks/txt/7b4ab2ee676cad70eb8bb516617c974afa18af67df85bd4d149f5e2cb270aa53.txt b/chunks/txt/7b4ab2ee676cad70eb8bb516617c974afa18af67df85bd4d149f5e2cb270aa53.txt new file mode 100644 index 0000000000000000000000000000000000000000..a71557e3435ac3ed9b879719901c7d570099131b --- /dev/null +++ b/chunks/txt/7b4ab2ee676cad70eb8bb516617c974afa18af67df85bd4d149f5e2cb270aa53.txt @@ -0,0 +1,328 @@ +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +CR + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 85 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D + +68 + +69 + +70 + +71 + +72 + +73 + +74 + +75 + +76 + +77 + +78 + +79 + +80 + +81 + +82 + +83 + +84 + +85 + +86 + +87 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +63 + +64 + +65 + +66 + +67 + +NEIGHBORHOOD + +Property Values +Stable + +NEIGHBORHOOD + +Property Values +Declining + +NEIGHBORHOOD + +Demand/Supply +Shortage + +NEIGHBORHOOD + +Demand/Supply +In Balance + +NEIGHBORHOOD + +Demand/Supply +Over Supply + +68 + +NEIGHBORHOOD + +Marketing Time +Under 3 mths + +69 + +NEIGHBORHOOD + +Marketing Time +3-6 mths + +70 + +NEIGHBORHOOD + +Marketing Time +Over 6 mths + +71 + +72 + +NEIGHBORHOOD + +NEIGHBORHOOD + +73 + +NEIGHBORHOOD + +74 + +NEIGHBORHOOD + +75 + +NEIGHBORHOOD + +76 + +NEIGHBORHOOD + +Condominium Housing +Price $ (000) +Low +Condominium Housing +Price $ (000) +High + +Condominium Housing +Price $ (000) +Pred. + +Condominium Housing +Age (yrs) +Low + +Condominium Housing +Age (yrs) +High + +Condominium Housing +Age (yrs) +Pred. + +77 + +78 + +79 + +80 + +82 + +NEIGHBORHOOD + +Present Land Use % +One-Unit + +NEIGHBORHOOD + +Present Land Use % +2-4 Unit + +NEIGHBORHOOD + +Present Land Use % +Multi-Family + +NEIGHBORHOOD + +Present Land Use % +Commercial + +NEIGHBORHOOD + +Present Land Use % +Other + +83 + +NEIGHBORHOOD Neighborhood Boundaries diff --git a/chunks/txt/7b5d4330567317e44276887ce4ae3ed2f2bac102cf8f462c2449b9425bc79d4b.txt b/chunks/txt/7b5d4330567317e44276887ce4ae3ed2f2bac102cf8f462c2449b9425bc79d4b.txt new file mode 100644 index 0000000000000000000000000000000000000000..dd02064831576950a84622650c5afbf4cdb8eba0 --- /dev/null +++ b/chunks/txt/7b5d4330567317e44276887ce4ae3ed2f2bac102cf8f462c2449b9425bc79d4b.txt @@ -0,0 +1,55 @@ +terms of any subordinate financing provided by interested parties, +credits or refunds of borrower expenses, +absorption of monthly payments, +assignment of rent payments, and +any other information not listed above that impacts property value. + +Property Information + +The list below includes items that must be disclosed, if applicable: + +condo or PUD fees; + +• +• non-realty items included in the transaction; +• + +any apparent environmental conditions in or on the subject property or in the vicinity of the property that the lender is +aware of or learns from the borrower, the real estate agent, or any other party to the transaction (see SB4-1.4-08, +Apparent Environmental Conditions); and + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 52 of 166 + +UAD 3.6 Policy + +• + +any other items that affect the soundness or structural integrity of the property of which the lender may be aware. + +Contract Changes After the Appraisal Report is Completed + +If the contract is amended after the effective date of the appraisal report in a way that does not affect the description of the +property, then the lender is not required to provide the amended contract to the appraiser nor obtain a revised appraisal. Some +examples of amendments that do not require the lender to provide the amended contract nor obtain revisions to the already- +completed appraisal report include: + +sale price, +transaction terms, +financing concessions, +seller-paid closing costs, + +• +• +• +• +• names or initials, +• +closing date, and +• +correction of minor clerical errors such as misspellings. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 53 of 166 diff --git a/chunks/txt/7b63d4005149ce7d302e016e6164169de32e2e74b3413fbae8e1b8a9dc3b22f4.txt b/chunks/txt/7b63d4005149ce7d302e016e6164169de32e2e74b3413fbae8e1b8a9dc3b22f4.txt new file mode 100644 index 0000000000000000000000000000000000000000..586e3719c390b9c693cb733eed92e64a3d52f5bd --- /dev/null +++ b/chunks/txt/7b63d4005149ce7d302e016e6164169de32e2e74b3413fbae8e1b8a9dc3b22f4.txt @@ -0,0 +1,36 @@ +Updated the definition of Noncontinuous Finished Area to include above grade areas only. +• Clarified that noncontinuous finished area is not included in the Area Breakdown for Unit Interior. +• Clarified definition of Total Gross Building Finished Area for Property (22.05.04, 22.05.25, 24.003). +• Removed reference to nonstandard finished area from Noncontinuous Finished Area (22.05.05, 22.05.27). +• Clarified that noncontinuous finished area is reported in the Dwelling(s) subsection and not in Unit(s) (22.07.09, + +2025-032 + +22.07.32, 22.07.10, 22.07.34). + +• Updated definition in Appendix 1: Glossary. + +2025-037 + +Changed references to “basement” to “below grade area” where applicable, to align with ANSI. +• Updated the ‘Definition / Additional Guidance’ column (8.012, 10.017, 13.003, 22.05.04-22.05.25, 24.003-24.014). +• Updated the definition for Cellar Door in Below Grade Exterior Access. +• Updated text in Appendix 3: ANSI Examples and Appendix 4: Detached Garage Examples. + +2025-046 + +Updated the ‘When to Include for each Comparable’ and ‘Definition / Additional Guidance’ columns to clarify that if a +comparable data source has an identifier, it must be reported on the URAR (4.110, 22.01.18, 23.02.04, 24.010, 25.045). + +Overview + +2025-025 Key Concepts - Photos and Images: Clarified that images must be sized properly. + +02 Assignment +Information + +2025-038 + +Clarified the ‘Definition / Additional Guidance’ column for Property Valuation Method (2.004), including the requirement +of the Uniform Property Dataset (UPD) for hybrid appraisals. Also updated the definition of Property Data Report here and +in Appendix 1: Glossary diff --git a/chunks/txt/7b78eae67639e1c053eebf7af4ba5d1542b6bde0646ff2c764080409978fd29a.txt b/chunks/txt/7b78eae67639e1c053eebf7af4ba5d1542b6bde0646ff2c764080409978fd29a.txt new file mode 100644 index 0000000000000000000000000000000000000000..a49ac0ce0691d4fa3b8368e69affd16b82f55d46 --- /dev/null +++ b/chunks/txt/7b78eae67639e1c053eebf7af4ba5d1542b6bde0646ff2c764080409978fd29a.txt @@ -0,0 +1,46 @@ +#### Search & Filter + +Keyword + +Date Range From: + +To: + +Items per page 10 25 50 + +## Search & Filter + +Keyword + +Date Range From: + +To: + +Items per page 10 25 50 + +- Fact Sheet + +November 18, 2024 + +## [2025 Multifamily Loan Purchase Caps for Fannie Mae and Freddie Mac](/news/fact-sheet/2025-multifamily-loan-purchase-caps-for-fannie-mae-and-freddie-mac) + +Background Since 2015, FHFA has set caps on the Enterprises’ conventional (market-rate) multifamily businesses. The purpose of the caps is to ensure the Enterprises support liquidity in the multifamily market, particularly for affordable housing and underserved segments, without crowding out private... + - Fact Sheet + +November 14, 2023 + +## [2024 Multifamily Caps for Fannie Mae and Freddie Mac](/news/fact-sheet/2024-multifamily-caps-for-fannie-mae-and-freddie-mac) + +HIGHLIGHTS OF 2024 MU​​LTIFAMILY CAPS ​The 2024 volume caps applicable to the multifamily loan purchases of Fannie Mae and Freddie Mac (the Enterprises) will be $70 billion for each Enterprise, for a total of $140 billion during the calendar year. FHFA anticipates the 2024 cap levels will be... + - Fact Sheet + +November 7, 2023 + +## [FHLBank System at 100: Focusing on the Future](/FHLBank-System-at-100-Focusing-on-the-Future-Fact-Sheet) + +View Full Fact Sheet (PDF) BACKGROUND The Federal Home Loan Bank System (System) has served as a key component of the nation’s housing finance system since its creation over 90 years ago. Today, the Federal Home Loan Banks (FHLBanks) connect domestic financial institutions—many of which are small... + - Fact Sheet + +June 22, 2023 + +## [Non-Performing and Re-performing Loan Sale Requirements - June 2023](/news/fact-sheet/non-performing-and-re-performing-loan-sale-requirements-june-2023) diff --git a/chunks/txt/7b7ea4ecdfce9dc329cd951e7bd6798a8aa894780fdc5803b7f85fb50b39dc4d.txt b/chunks/txt/7b7ea4ecdfce9dc329cd951e7bd6798a8aa894780fdc5803b7f85fb50b39dc4d.txt new file mode 100644 index 0000000000000000000000000000000000000000..c96f849737c435ef6691e309bffaa4948a62fe2f --- /dev/null +++ b/chunks/txt/7b7ea4ecdfce9dc329cd951e7bd6798a8aa894780fdc5803b7f85fb50b39dc4d.txt @@ -0,0 +1,88 @@ +“SubjectPropertyAmenitiesExhibit”. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 228 + +• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 14.012.2). + +Reference Key Concept - Image Data for detailed guidance on the various ways images are handled in the URAR. + +Subject Property Amenities – Arcrole Relationships + +Arcrole relationships establish “relationships” or linkages in the XML data file that may be visually obvious on the URAR Report. In the XML +data specific instances of data points or containers must be connected to properly represent the information. + +• Containers or datapoints to be linked are identified using “xlink:label.” +• The RELATIONSHIP container holds the xlink:arcrole, xlink:from, and xlink:to attributes that describe the data relationships. + +DEFECT to AMENITY + +Provide the relationship that joins the DEFECT to the applicable instance of AMENITY (with relevant AmenityCategoryType). One +RELATIONSHIP container is required for each defect identified for a given amenity. + +AmenityCategoryType + +Unique ID + +Parent Container + +MISMO Attribute +Name + +Supported Attribute Enumerations + +3900.0033 + +RELATIONSHIP + +@xlink:arcrole + +urn:fdc:mismo.org:2009:residential/DEFECT ContainsDefectOf AMENITY + +3900.0034 + +RELATIONSHIP + +@xlink:from + +DEFECT_n + +3900.0035 + +RELATIONSHIP + +@xlink:to + +AMENITY_n + +3900.0137 + +DEFECT + +@xlink:label + +DEFECT_n + +AmenityCategoryType = "Miscellaneous" + +0200.0002 + +AMENITY + +@xlink:label + +AMENITY_n + +AmenityCategoryType = +"OutdoorAccessories + +0200.0049 + +AMENITY + +@xlink:label + +AMENITY_n + +AmenityCategoryType = "OutdoorLiving" diff --git a/chunks/txt/7b874d32edd8208a2a5ed0a6cb9a80a0d2ee6dd2b87da18ab27c51fc31df5807.txt b/chunks/txt/7b874d32edd8208a2a5ed0a6cb9a80a0d2ee6dd2b87da18ab27c51fc31df5807.txt new file mode 100644 index 0000000000000000000000000000000000000000..e2910e8a6fcb0d0821e8d1601ed54def355b054c --- /dev/null +++ b/chunks/txt/7b874d32edd8208a2a5ed0a6cb9a80a0d2ee6dd2b87da18ab27c51fc31df5807.txt @@ -0,0 +1,7 @@ +Manufactured Home Certification Program (H1) ............................................................................................... 46 + +Invoice Information (H1) ..................................................................................................................................... 46 + +Manufactured Home Commentary (H1) ............................................................................................................. 46 + +Manufactured Home Exhibits (H1) ..................................................................................................................... 46 diff --git a/chunks/txt/7b90b9d1a492d2a7d35d9ff78ee0b909847478742611c032e66106f70edf4ee3.txt b/chunks/txt/7b90b9d1a492d2a7d35d9ff78ee0b909847478742611c032e66106f70edf4ee3.txt new file mode 100644 index 0000000000000000000000000000000000000000..3bdd2161ac2b2c33ee6da4b0a5a72bdcb38934a8 --- /dev/null +++ b/chunks/txt/7b90b9d1a492d2a7d35d9ff78ee0b909847478742611c032e66106f70edf4ee3.txt @@ -0,0 +1,60 @@ +Sequence Numbers, and Repeatable Containers. + +5. 2 PRI NCI PAL & I NTEREST + +The first row of the Projected Payments table shows whether and how the regularly scheduled P&I payment +amount changes over the life of the loan. The amount required for the initial periodic payment must be +calculated using the interest rate in force at consummation, whether at a discount, at par, or at a premium. This +value populates the first column. + +1. P& I PAYMENT DOES NOT I NCREASE + +Figure 55 illustrates a loan with a fixed rate, no MI, and no escrow. Only one column is needed for one Year +Range reflecting the total term of the loan and the initial (and unchanging) P&I payment. + +5.0 Projected Payments + +5.1 Payment Calculation + +Years 1 – 30 + +5.2 Principal & Interest + +5.2.2 + +$761.78 + +Figure 55. P&I Payment for 30-Year Fixed Rate Loan with No MI + +Figure 56 illustrates a 30-year fixed rate loan, with private mortgage insurance that is scheduled to terminate +after 7 years. Two Year Ranges are required to disclose the impact of the changing MI payment on the +Estimated Total Periodic Payment. Since the P&I Payment amount is not changing, the same value is recorded +in both columns. See 5.3 Error! Reference source not found. and 5.5. Estimated Total Monthly Payment. + +5.0 Projected Payments + +5.1 Payment Calculation + +5.2 Principal & Interest + +5.1.1 + +5.2.2 + +Years 1 – 7 + +$761.78 + +5.1.2 + +5.2.5 + +Years 8 – 30 + +$761.78 + +Figure 56. P&I Payments for 30-Year Fixed Rate Loan with Private MI + +Table 72 illustrates the disclosure of two Principal and Interest payments for two Year Ranges. Since this +example is for a fixed rate loan, there are no payment ranges. +ProjectedPaymentPrincipalAndInterestMaximumPaymentAmount is used when there is no payment range. diff --git a/chunks/txt/7b9db3ea10dd7dd9f6930359e3eef3ef5ce2b4d8f4590eff4a42274d686ba8b2.txt b/chunks/txt/7b9db3ea10dd7dd9f6930359e3eef3ef5ce2b4d8f4590eff4a42274d686ba8b2.txt new file mode 100644 index 0000000000000000000000000000000000000000..3f0e82658a480e84881920f2ff946e4085127fb2 --- /dev/null +++ b/chunks/txt/7b9db3ea10dd7dd9f6930359e3eef3ef5ce2b4d8f4590eff4a42274d686ba8b2.txt @@ -0,0 +1,171 @@ +32539 + +12.21 + +15045 + +5.65 + +154760 + +58.08 + +64048 + +24.04 + +82 + +0.03 + +bathrooms Frequency Percent + +1 + +2 + +3 + +4 + +9 + +36246 + +13.60 + +134498 + +50.47 + +74547 + +27.98 + +13447 + +5.05 + +7736 + +2.90 + +bedrooms Frequency Percent + +1 + +2 + +3 + +9 + +28328 + +10.63 + +151525 + +56.86 + +85536 + +32.10 + +1085 + +0.41 + +1 + +2 + +3 + +4 + +5 + +6 + +7 + +8 + +9 + +1 + +2 + +3 + +4 + +5 + +9 + +45358 + +17.02 + +47059 + +17.66 + +49940 + +18.74 + +41148 + +15.44 + +29012 + +10.89 + +19670 + +7.38 + +21064 + +7.90 + +12980 + +4.87 + +243 + +0.09 + +32549 + +12.21 + +49679 + +18.64 + +74509 + +27.96 + +80210 + +30.10 + +29458 + +11.05 + +69 + +0.03 + +Federal Housing Finance Agency + +23 diff --git a/chunks/txt/7bab08e17e65a7f31ed87583452d4d3dd2c8844fbe0fec3a10e9a350dad5a5d5.txt b/chunks/txt/7bab08e17e65a7f31ed87583452d4d3dd2c8844fbe0fec3a10e9a350dad5a5d5.txt new file mode 100644 index 0000000000000000000000000000000000000000..9ff05301028027caec8232c9756ba188745712ea --- /dev/null +++ b/chunks/txt/7bab08e17e65a7f31ed87583452d4d3dd2c8844fbe0fec3a10e9a350dad5a5d5.txt @@ -0,0 +1,27 @@ +FHFA commenced reporting as FPM with its initial transmission to Congress on [December 2, 2008](/reports/federal-property-managers-report/2008/12-2). The format and content of the reports has evolved over time. Prior to May 2012, [FPM Reports](/reports/federal-property-managers-report) included refinancing activity. Thereafter, they had the same content as the monthly and quarterly [Foreclosure Prevention Reports](/reports/foreclosure-prevention-and-federal-property-managers-report), and FHFA began issuing separate [Refinance Reports](/reports/refinance-report). In July 2019, FHFA revised these reports again and commenced issuing combined [Foreclosure Prevention, Refinance, and Federal Property Manager](/reports/foreclosure-prevention-refinance-and-fpm) reports. + +## Conservatorship Reports and Datasets + +[Read more](/reports?topic=conservatorship-reports). + +*Page last updated: February 6​, 2024* + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) diff --git a/chunks/txt/7bb0ed619318fef3108c9f34d222af16022bdb7a9e442257fd51a2b308cbff35.txt b/chunks/txt/7bb0ed619318fef3108c9f34d222af16022bdb7a9e442257fd51a2b308cbff35.txt new file mode 100644 index 0000000000000000000000000000000000000000..204d835ea72d11a30c5ab9362ae028aa288d20a1 --- /dev/null +++ b/chunks/txt/7bb0ed619318fef3108c9f34d222af16022bdb7a9e442257fd51a2b308cbff35.txt @@ -0,0 +1,80 @@ +18.018 Converted in +Past 3 Years + +Required if the +property is in a +condominium, +cooperative, or +condop + +Required if Project +Complete is No + +Required if the +property is in a +condominium, +cooperative, or +condop + +Ground Rent + +Project Information: Project Completeness + +Allowable +Answers / Format + +Yes | No + +Definition / Additional Guidance + +Project Complete: Indicates whether construction of all phases, units, common +areas, and amenities in the project are complete. This is specific to projects that +have current ongoing construction. + +Note: If No, the Incomplete Project row (18.065) displays in the Project Factors +table and additional information must be provided. + +Yes | No + +Indicates whether the building containing the subject property is complete. + +Yes | No + +Indicates whether the property has been converted into a condominium, +cooperative, or condop within 3 years of the effective date of the appraisal +report. + +Note: If Yes, the Converted in Past 3 Years row (18.066) displays in the Project +Factors table and additional information must be provided. + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Project Information: Ground Rent + +18.019 Ground Rent + +Required if the +property is in a +condominium, +cooperative, or +condop + +Yes | No + +Indicates whether the project is subject to ground rent. + +Do not include individual ground leases applied to the subject property. +Individual ground leases are captured in the Subject Property section (3.022) +when Property Rights Appraised is Leasehold. + +18.020 Annual Amount Required if Ground diff --git a/chunks/txt/7bf6b5f1d846f9d3a7f01f6af6f528830a1ad16c92a3432c7726331b79517950.txt b/chunks/txt/7bf6b5f1d846f9d3a7f01f6af6f528830a1ad16c92a3432c7726331b79517950.txt new file mode 100644 index 0000000000000000000000000000000000000000..71f636f5b527e3be419b3afcd564ede8cb70e870 --- /dev/null +++ b/chunks/txt/7bf6b5f1d846f9d3a7f01f6af6f528830a1ad16c92a3432c7726331b79517950.txt @@ -0,0 +1,17 @@ +--- + +## American Survey of Mortgage Borrowers + +### Introduction + +The American Survey of Mortgage Borrowers (ASMB) is the third component of the [National Mortgage Database program](#top). The ASMB is conducted annually and is jointly sponsored by the Federal Housing Finance Agency and the [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/) (CFPB). + +### Purpose + +The purpose of the ASMB is to collect voluntary feedback directly from mortgage borrowers about their experience with their mortgage and property. ASMB respondents are representative of the overall population of borrowers with a mortgage loan, including those who recently took out a loan and those who have had their loan for multiple years. The feedback collected by the ASMB includes information about a range of topics related to maintaining a mortgage and property, such as borrowers’ experiences with managing their mortgage, responding to financial stressors, insuring against risks, seeking assistance from federally-sponsored programs and other sources, and terminating a mortgage loan. The information will provide researchers, policy makers, and others with data that they can analyze to inform housing and mortgage-related public policy and to understand consumers' experiences maintaining a mortgage. The data will help shape policies in the future to better protect consumers. + +### For Survey Respondents + +If you are here, you probably received our letter asking for your help with an important national survey of mortgage borrowers. + +If you have or recently had a mortgage on a personal home or a home for someone else (such as a rental property), we would like to know more about your experiences with your mortgage and with property ownership. Hearing directly from borrowers provides valuable information about the functioning of the mortgage market that will help us improve lending practices and the mortgage process for future borrowers. diff --git a/chunks/txt/7c0727f4879612c68c3c707a331e0c18ae5584fe8849176171915d3fa235a653.txt b/chunks/txt/7c0727f4879612c68c3c707a331e0c18ae5584fe8849176171915d3fa235a653.txt new file mode 100644 index 0000000000000000000000000000000000000000..0dcc0dd64ee048d513e25f6688217cd7aeaede46 --- /dev/null +++ b/chunks/txt/7c0727f4879612c68c3c707a331e0c18ae5584fe8849176171915d3fa235a653.txt @@ -0,0 +1,13 @@ +## FM Site Nav + +[Homepage ![Fannie Mae logo](/themes/custom/particle/dist/app-drupal-sf/assets/fm_logo_rgb.png)](https://www.fanniemae.com/) - [Originating & Underwriting](/originating-underwriting) + - [Pricing & Execution](/pricing-execution) + - [Delivering](/delivering) + - [Servicing](/servicing) + - [Learning Center](/learning-center) + - [Apps & Technology](/applications-technology/applications-technology) + - [News & Events](/news-events) + - [Become a Partner](/become-fannie-mae-seller-or-servicer) + Toggle search ** + +[Login](/saml/login?destination=/) // Function to initialize a search interface document.addEventListener('DOMContentLoaded', async function () { async function initializeSearchInterface(id, accessToken, organizationId) { const searchInterface = document.getElementById(id); if (searchInterface) { await customElements.whenDefined("atomic-search-interface"); // Initialization await searchInterface.initialize({accessToken: accessToken, organizationId: organizationId, organizationEndpoints: await searchInterface.getOrganizationEndpoints(organizationId)}); // Only need this for the guides. if (window.location.host.indexOf("guide") !== -1 || window.location.host.indexOf("credit") !== -1 || window.location.host.indexOf("fm") !== -1) { const searchBox = document.querySelector('atomic-search-interface#search-interface-search-bar atomic-search-box'); const engine = searchInterface.engine; var currentQuery = ""; function handleStateUpdate() { const state = engine.state; if (engine.state.query.q != "" && currentQuery != engine.state.query.q) { currentQuery = engine.state.query.q; var redirectUrl = searchBox.redirectionUrl + "&q=" + engine.state.query.q; searchBox.redirectionUrl = redirectUrl; } } const unsubscribe = engine.subscribe(handleStateUpdate); } } } // Initialize the first search initializeSearchInterface("search-interface-search-bar", 'xx3ce2a898-ed09-4acc-a597-b951d2eb95bc', 'fanniemae9glu2r77'); var accessToken = 'xx3ce2a898-ed09-4acc-a597-b951d2eb95bc'; var fieldName = "@clickableuri"; var fieldValue = function () {return location.href } setTimeout(function(){ coveoua("init", accessToken, "https://fanniemae9glu2r77.analytics.org.coveo.com/rest/ua"); coveoua("send", "view", { contentIdKey: fieldName, contentIdValue: fieldValue(), }); }, 3000); }); diff --git a/chunks/txt/7c0bc77ce0b66242705bddf981d3f300d8b4ea60c492b1150242befcf1bdda5b.txt b/chunks/txt/7c0bc77ce0b66242705bddf981d3f300d8b4ea60c492b1150242befcf1bdda5b.txt new file mode 100644 index 0000000000000000000000000000000000000000..88ce6845bdfa0492edc64758d72aca3a941c2717 --- /dev/null +++ b/chunks/txt/7c0bc77ce0b66242705bddf981d3f300d8b4ea60c492b1150242befcf1bdda5b.txt @@ -0,0 +1,39 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +## Breadcrumb + +- [Home](/) + - [FHFA Data](/data) + - Duty To Serve Performance Data + +# Duty to Serve Performance Data + +The [Duty to Serve Program](/programs/duty-to-serve) awards Duty to Serve credit for [eligible activities](/data/duty-to-serve/eligibility-data) that address the housing needs of very low-, low-, and moderate income families with incomes no greater than 100 percent of the area median income. This page shows acquisition and performance information for loans that are in Duty to Serve eligible areas or markets. diff --git a/chunks/txt/7c0c5546cbdab68008e9405f0f3bb1cf1b1e3ff6039ab08bbfa7bebca706fbb3.txt b/chunks/txt/7c0c5546cbdab68008e9405f0f3bb1cf1b1e3ff6039ab08bbfa7bebca706fbb3.txt new file mode 100644 index 0000000000000000000000000000000000000000..02278244a1b9d1d75f0ebbb2e9135c8cdbf78a0c --- /dev/null +++ b/chunks/txt/7c0c5546cbdab68008e9405f0f3bb1cf1b1e3ff6039ab08bbfa7bebca706fbb3.txt @@ -0,0 +1,102 @@ +MISMO Data Point Name + +2.012 + +Company Name + +2400.0295 + +FullName + +2400.0296 + +AddressLineText + +2400.0297 + +CityName + +2400.0299 + +StateCode + +2400.0298 + +PostalCode + +2.013 + +Company Address + +Credentials + +2.014 + +ID + +2400.0397 + +LicenseIdentifier + +2.015 + +State + +2400.0398 + +LicenseIssuingAuthorityStateCode + +2.016 + +Expires + +2400.0396 + +LicenseExpirationDate + +Appraiser and Supervisory Appraiser + +Appendix B-1: URAR Implementation Guide v1.3 + +Display Rules + +When PartyRoleType (UID: 2400.0300, FID: 2.010) = “Lender” or +“Management Company”… + +… displays + +… displays + +… displays + +… displays + +… displays + +If LicenseIdentifier, LicenseIssuingAuthorityStateCode, and +LicenseExpirationDate are not provided, do not display report label. + +Display when provided for PartyRoleType (UID: 2400.0300, FID: +2.010) = “ManagementCompany”. If not provided, do not display +report label. + +Display when provided for PartyRoleType (UID: 2400.0300, FID: +2.010) = “ManagementCompany”. If not provided, do not display +report label. + +Display when provided for PartyRoleType (UID: 2400.0300, FID: +2.010) = “ManagementCompany”. If not provided, do not display +report label. + +This portion of Contact Information shows details about the Appraiser and Supervisory Appraiser (if any). + +• The Appraiser displays first, followed by the Supervisory Appraiser (if any). +• Although the report is very similar for appraisers and supervisors, the datapoints are different, and therefore they are split out in this + +Page 94 + +document. + +Appraiser + +Information about the Appraiser displays based on PartyRoleType (UID: 2400.0056, FID: Not on report) = “Appraiser”, and always displays. diff --git a/chunks/txt/7c0da00b016ff342abe23c72b23ea0c31deae2e164492d3b5db864689d369c7e.txt b/chunks/txt/7c0da00b016ff342abe23c72b23ea0c31deae2e164492d3b5db864689d369c7e.txt new file mode 100644 index 0000000000000000000000000000000000000000..8f583aabd65153cdb6d768f3da6b5629c0b74f5e --- /dev/null +++ b/chunks/txt/7c0da00b016ff342abe23c72b23ea0c31deae2e164492d3b5db864689d369c7e.txt @@ -0,0 +1,104 @@ +Report +Field ID + +Report Label + +When to Include + +12.010 Utilities + +Always required + +Allowable +Answers / Format + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Outbuilding Area + +Definition / Additional Guidance + +None +Electricity +Gas +Sanitary Sewer + +The utilities that have been extended to the outbuilding. +• +• +• +• +• Water +• + +Other (Describe) + +The Outbuilding Area table includes finished area (including room counts), unfinished area, and always displays. +It does not include area devoted to vehicle storage or ADUs. + +Outbuilding Detail: Outbuilding Area + +Report +Field ID + +12.011 + +Report Label + +When to Include + +Finished +Total Area + +Always required + +Allowable +Answers / Format + +Number of square +feet + +Definition / Additional Guidance + +Outbuilding Finished Area Excluding Vehicle Storage and ADU: The finished area +of the building, excluding the finished area within any ADU or vehicle storage. +Includes above and below grade area. Can be 0. + +12.013 Unfinished +Total Area + +Always required + +Number of square +feet + +Outbuilding Unfinished Area Excluding Vehicle Storage and ADU: The unfinished +area of the building, excluding the finished area within any ADU or vehicle +storage. Includes above and below grade area. Can be 0. + +Appendix F-1: URAR Reference Guide + +Page 153 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +12 Outbuilding + +ROOMS IN THE OUTBUILDING + +This subsection is for rooms in the outbuilding that are not part of an accessory dwelling unit. Rooms that are +part of the ADU are captured in the Unit Interior section. + +Report +Field ID + +12.012 + +Report Label diff --git a/chunks/txt/7c166534594fa4c2ca6fdfc1f0ba454741b8c1fe1715139f40917b39d9042b0e.txt b/chunks/txt/7c166534594fa4c2ca6fdfc1f0ba454741b8c1fe1715139f40917b39d9042b0e.txt new file mode 100644 index 0000000000000000000000000000000000000000..795dc67c3cffa3b53f609aa3f9e6cb3600b0ba6e --- /dev/null +++ b/chunks/txt/7c166534594fa4c2ca6fdfc1f0ba454741b8c1fe1715139f40917b39d9042b0e.txt @@ -0,0 +1,11 @@ +While the surge in mortgage delinquencies has a​bated since 2008, the post-crisis mortgage environment is still evolving. This evolution is particularly evident in the area of mortgage loan servicing, as costs to service delinquent loans, heightened regulatory oversight, and an increased reliance on technology continue to impact this fun​damental component of the housing finance industry. New entrants have further transformed the landscape, with non-depository servicers poised to provide needed capacity in place of traditional servicers. + +## Servicing Initiatives + +FHFA has worked with the Enterprises to develop and implement a number of initiatives. Each initiative reflects FHFA's commitment to supporting a mortgage servicing market that is profitable, sustainable, and liquid. These efforts include a servicing market survey, servicer financial standards development, policy alignment by Fannie Mae and Freddie Mac, and servicer compensation research. + +- [FHFA Updated Minimum Financial Eligibility Requirements for Fannie Mae and Freddie Mac Servicers](/news/news-release/fhfa-and-ginnie-mae-announce-updated-minimum-financial-eligibility-requirements-for-enterprise). The updated requirements incorporate lessons learned from market events in reaction to the global COVID-19 pandemic, as well as industry feedback on the re-proposed requirements that were publicly released in February 2022. + - FHFA, Fannie Mae, and Freddie Mac created new loss mitigation solutions and servicing flexibilities to assist borrowers impacted by the COVID-19 Pandemic. Fannie Mae and Freddie Mac retired these programs with the end of the National Emergency Declaration, but many similar flexibilities are still available for borrowers. In March 2023, FHFA announced Enhanced Payment Deferral policies to create additional home retention opportunities. For information for borrowers struggling to make their mortgage payments, please see the [Mortgage Assistance Page](/homeowners-and-homebuyers/mortgage-assistance). + - In 2019, FHFA, Fannie Mae, and Freddie Mac evaluated the current liquidity requirements for non-depository Seller/Servicer counterparties which led to the [Proposed Minimum Financial Eligibility Requirements](/document/servicer-eligibility-faqs-1302020) that were posted to the FHFA website in January 2020. Previously, in 2015 FHFA issued updated [eligibility requirements for Enterprise seller/servicers](/policy/requirements-enterprise-sellerservices). The [Servicing Alignment Initiative (SAI)](/programs/loss-mitigation), announced in 2011, required Fannie Mae and Freddie Mac to align [loss mitigation programs](/programs/loss-mitigation) allowing servicers to uniformly implement loss mitigation policies. SAI enabled Fannie Mae and Freddie Mac to develop and implement consistent servicing policies that have increased servicer efficiencies in resolving delinquencies. + - FHFA published a [white paper](/research/papers/discussion-paper-alternative-mortgage-servicing-compensation) in 2011 exploring alternatives for a [new mortgage servicing compensation structure](/policy/alternative-mortgage-servicing-compensation-initiative). The issues raised at that time serve as a guide for continuing research into compensation. + ## Related Documents: diff --git a/chunks/txt/7c2f4f889da7180e64776630c6b7bb79e2a965205ab65e4647de3162f3803300.txt b/chunks/txt/7c2f4f889da7180e64776630c6b7bb79e2a965205ab65e4647de3162f3803300.txt new file mode 100644 index 0000000000000000000000000000000000000000..1a44e815e37dc94987eebac3088a1f8af6fb4e80 --- /dev/null +++ b/chunks/txt/7c2f4f889da7180e64776630c6b7bb79e2a965205ab65e4647de3162f3803300.txt @@ -0,0 +1,83 @@ +SiteViews + +The area is residential with similar housing stock which appears to have been accepted by the market. + +Site + +Additional commentary can be added here, if needed by Appraiser. + +SubjectProperty + +Additional commentary can be added here, if needed by Appraiser. + +Assignment + +Additional commentary can be added here, if needed by Appraiser. + +Market + +Subject location is close to public transportation and employment centers, resulting in high demand for housing under $1 million. The identified market segment covers the bedroom community outside southeast LA. + +HighestAndBestUse + +Additional commentary can be added here, if needed by Appraiser. + +OverallQualityAndCondition + +The overall quality and condition of the subject building and does not adversely affect the overall ratings provided. + +SubjectPriorSalesAndTransferHistory + +There has been little fluctuation in the market during the past 4 years. + +ComparablesPriorSalesAndTransferHistory + +There was no information regarding material changes to Comparable #2 made known to the appraiser. Concerning Comparable #3, a kitchen remodel occurred prior to the most recent transfer, supporting an increase in price. + +VehicleStorage + +G22 and G23 - Space Numbers. + +false + +Utilize this subsection for additional commentary as required by USPAP. + +AsIs + +2019-09-08 + +90 + +ReasonableExposureTime + +778000 + +false + +4777564313 + +Performed an appraisal for refinance purposes in 2017. + +true + +Other + +Not Applicable due to property type + +true + +false + +true + +URAR Delivery Specification v1.3 + +NoPhysicalInspection + +SOMEAPP + +Some Appraisal Software + +10.2.1 + +ABCD Corporation diff --git a/chunks/txt/7c3279e28dc16f0e267d6e98cf7a864ef7630bd82d7c7455bac7a56b2ed390cb.txt b/chunks/txt/7c3279e28dc16f0e267d6e98cf7a864ef7630bd82d7c7455bac7a56b2ed390cb.txt new file mode 100644 index 0000000000000000000000000000000000000000..6076c43b1d646431d4af8edf6aed06a00d701738 --- /dev/null +++ b/chunks/txt/7c3279e28dc16f0e267d6e98cf7a864ef7630bd82d7c7455bac7a56b2ed390cb.txt @@ -0,0 +1,89 @@ +Indicates whether the utility specified +by Site Utility Type is a public utility. + +/VALUATION_RESPONSE/PROPERTY/SITE +/SITE_UTILITY[@_Type='SanitarySewer']/@_ +PublicIndicator + +109 + +SITE + +Utilities +Sanitary Sewer +Other + +Site Utility Non +Public Indicator + +Indicates whether the utility specified +by Site Utility Type is a non-public +utility. + +/VALUATION_RESPONSE/PROPERTY/SITE +/SITE_UTILITY[@_Type='SanitarySewer']/@_ +NonPublicIndicator + +110 + +SITE + +111 + +SITE + +Utilities +Sanitary Sewer +Other (describe) + +Site Utility Non +Public Description + +Off-Site Improvements - +Type +Street + +Property Off Site +Improvement +Description + +A free-form text field used to describe +the ownership of the utility specified +by Site Utility Type if it is a non- +public utility. +A free-form text field used to describe +the property off-site improvement +specified by Property Off Site +Improvement Feature Type. + +/VALUATION_RESPONSE/PROPERTY/SITE +/SITE_UTILITY[@_Type='SanitarySewer']/@_ +NonPublicDescription + +/VALUATION_RESPONSE/PROPERTY/_OF +F_SITE_IMPROVEMENT[@_Type='Street']/@ +_Description + +1 + +1 + +25 + +25 + +UAD Requirement - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates +that the box has not been checked. + +Boolean + +If no sanitary sewer service is present, indicate 'None' in the description field. + +UAD Requirement - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates +that the box has not been checked. + +Boolean + +If no sanitary sewer service is present, indicate 'None' in the description field. diff --git a/chunks/txt/7c3b6d9ec634c0171c060e16c3d1989e02a75ecb5b4a21924303aa90604facce.txt b/chunks/txt/7c3b6d9ec634c0171c060e16c3d1989e02a75ecb5b4a21924303aa90604facce.txt new file mode 100644 index 0000000000000000000000000000000000000000..aa1197fa47d71abf0357b6e95de777b8dcda92ec --- /dev/null +++ b/chunks/txt/7c3b6d9ec634c0171c060e16c3d1989e02a75ecb5b4a21924303aa90604facce.txt @@ -0,0 +1,88 @@ +This data is referenced more than once on the form for the subject property and must +be represented consistently. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +This field is required if the value of field e-6 +(GSE View Type) is ‘Other’. + +CR + +SITE + +Specific Zoning Classification + +SITE + +Zoning Description + +Site Zoning +Classification +Identifier + +Site Zoning +Classification +Description + +Identifies the zoning classification +applied to the site. + +/VALUATION_RESPONSE/PROPERTY/SITE/@_ZoningClassificationIde +ntifier + +25 + +String + +This field should indicate the specific zoning classification of the subject property. + +A free-form text field used to describe the +zoning classification of the property site. + +/VALUATION_RESPONSE/PROPERTY/SITE/@_ZoningClassificationDe +scription + +4000 + +String + +This field should contain a description of the zoning classification of the subject +property. + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point + +Site Zoning +Compliance +Description + +A free-form text field describing any +issues concerning how the site complies +with zoning regulations including +limitations on future development. + +/VALUATION_RESPONSE/PROPERTY/SITE/@_ZoningComplianceDesc +ription + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +Zoning Compliance +Legal + +Zoning Compliance +Legal Nonconforming +(Grandfathered Use) + +Zoning Compliance +No Zoning + +Site Zoning +Compliance Type + +Indicates the level of compliance of the +subject Site to zoning regulations. diff --git a/chunks/txt/7c438041b5a74d09a02dc7612c346943e529d608cca8505b20c3cf2b205fa678.txt b/chunks/txt/7c438041b5a74d09a02dc7612c346943e529d608cca8505b20c3cf2b205fa678.txt new file mode 100644 index 0000000000000000000000000000000000000000..01825bb80983d471c7102e2d446b6e9014849bef --- /dev/null +++ b/chunks/txt/7c438041b5a74d09a02dc7612c346943e529d608cca8505b20c3cf2b205fa678.txt @@ -0,0 +1,90 @@ +Property Legal +Description Text +Description + +A free-form text field used to capture +the legal description of the property +for the type specified in Property +Legal Description Type. + +/VALUATION_RESPONSE/PROPERTY/_LE +GAL_DESCRIPTION[@_Type='Other' and +@_TypeOtherDescription='LongLegal']/@_Text +Description + +150 + +String + +UAD Instruction - Refer to Appendix D Subject Section +If the subject property is not located in any county (e.g. the subject property is +located in an independent city), enter the name of the local municipality or +district in which the property is located. + +15 + +1 + +14 + +SUBJECT + +Assessor's Parcel # + +GSE Assessors +Parcel Identifier + +The identifier or identifiers that +describes the location of the property +as related to county, state or +municipal tax records. + +/VALUATION_RESPONSE/PROPERTY/_IDE +NTIFICATION/PROPERTY_IDENTIFICATIO +N_EXTENSION/PROPERTY_IDENTIFICATI +ON_EXTENSION_SECTION[@ExtensionSecti +onOrganizationName='UNIFORM APPRAISAL +DATASET']/PROPERTY_IDENTIFICATION_ +EXTENSION_SECTION_DATA/PARCEL_ID +ENTIFIER/@GSEAssessorsParcelIdentifier + +60 + +String + +UAD Instruction - Refer to Appendix D Subject Section +If no parcel number is available, enter 'None'. If more than one parcel number +is applicable, each should be listed, separated by a semicolon. + +16 + +1 + +15 + +SUBJECT + +Tax Year + +Property Tax Year +Identifier + +The sole or start year of the subject +property's tax year for the +information. + +/VALUATION_RESPONSE/PROPERTY/_TA +X/@_YearIdentifier + +4 + +String + +UAD Instruction - Refer to Appendix D Subject Section +Should be in a four digit year format. + +Data Format: +yyyy + +The form field 1-16 (GSE Property Tax Total +Tax Amount) is greater than 0. diff --git a/chunks/txt/7c47c06bb397d3b52ab8900bd338c8a53184257b1a3e7d5fe5641d936ad23e5f.txt b/chunks/txt/7c47c06bb397d3b52ab8900bd338c8a53184257b1a3e7d5fe5641d936ad23e5f.txt new file mode 100644 index 0000000000000000000000000000000000000000..f81f3054800883fcc059ba27a7137b98f13f7a25 --- /dev/null +++ b/chunks/txt/7c47c06bb397d3b52ab8900bd338c8a53184257b1a3e7d5fe5641d936ad23e5f.txt @@ -0,0 +1,168 @@ +IntegratedDisclosur +eSectionType + +OriginationCharges Not Shown + +RegulationZPointsA +ndFeesIndicator + +true + +Not Shown – +ATR/QM + +7.3.2 Borrower-Paid At +Closing ($) + +…/FEE/FEE_PAYME +NTS/FEE_PAYMENT + +FeeActualPaymentA +mount + +300.00 + +ROF as “$300.00” + +7.3.2 Borrower-Paid + +7.3.2 At Closing + +FeePaymentPaidBy +Type + +Buyer + +FeePaymentPaidOu +tsideOfClosingIndic +ator + +false + +FOURTH INSTANCE OF FEE + +Represented as +Borrower-Paid +heading on form + +Represented as At +Closing heading on +form + +Appendix E: UCD Implementation Guide + +Page 116 of 254 + +Version 1.4 + +Represented as +“(L)” preceding the +payment amount + +ROF as “Borrower +Application Fee” + +Uniform Closing Dataset + +7.0 Loan Costs Table + +Table 95. Origination Charge Line Items + +Form Field / Fee +Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +Underwriting Fee + +…/FEE/FEE_DETAIL + +FeeType + +UnderwritingFee + +ID + +7.3 + +@gse:DisplayLabelT +ext + +IntegratedDisclosur +eSectionType + +Underwriting Fee + +ROF as +“Underwriting Fee” + +OriginationCharges Not Shown + +RegulationZPointsA +ndFeesIndicator + +true + +Not Shown – +ATR/QM + +7.3 + +N/A - XML + +N/A - GSE + +UID +7.080 + +7.3.2 Borrower-Paid At +Closing ($) + +…/FEE/FEE_PAYME +NTS/FEE_PAYMENT + +FeeActualPaymentA +mount + +1097.00 + +ROF as “$1,097.00” + +7.3.2 Borrower-Paid + +7.3.2 At Closing + +1. MAPPI NG GUI DANCE + +FeePaymentPaidBy +Type + +Buyer + +FeePaymentPaidOu +tsideOfClosingIndic +ator + +false + +Represented as +Borrower-Paid +heading on form + +Represented as At +Closing heading on +form + +Loan Costs table line items are represented using data points within the FEE container structure. FEE repeats for +each fee disclosed on the form (see REPEATABLE CONTAINERS in Section V). The child container FEE_DETAIL +groups the data points identifying the fee, and the child container FEE_PAYMENT then breaks out the fee +payments by the amount, payor and timing relative to closing. diff --git a/chunks/txt/7c4eac4d4cd0f165a88c35817269e4d3fae48047a1d5f2e0e4b84f1ea9883e2c.txt b/chunks/txt/7c4eac4d4cd0f165a88c35817269e4d3fae48047a1d5f2e0e4b84f1ea9883e2c.txt new file mode 100644 index 0000000000000000000000000000000000000000..675f7efcacc0f6259be6fced009315277b52e3f1 --- /dev/null +++ b/chunks/txt/7c4eac4d4cd0f165a88c35817269e4d3fae48047a1d5f2e0e4b84f1ea9883e2c.txt @@ -0,0 +1,87 @@ +Uniform Appraisal Dataset (UAD) +and Forms Redesign + +Partner Playbook + +March 2023 + +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. + +© 2023 Fannie Mae and Freddie Mac +Trademarks of the respective owners. + +Table of Contents + +3 + +4 + +5 + +6-7 + +8 + +9-13 + +14-15 + +16 + +17 + +Introduction + +What is the UAD and Forms Redesign Initiative? + +Why is the UAD Being Updated? + +How Can This Initiative Help the Industry? + +How Are the Appraisal Forms Changing? + +Roadmaps (Appraisal Software Vendor, UCDP Direct Integration, Lender, Appraiser, AMC) + +Ready to Build? Some Things to Consider… + +Additional Resources + +Training (Coming Soon) + +M A R C H 2 0 2 3 + +2 + +Introduction + +This playbook is designed to help industry partners +prepare for and adopt the multi-year, joint government- +sponsored enterprise (GSE) initiative to update the +Uniform Appraisal Dataset (UAD) and retire the existing +appraisal forms. It provides information about how +industry partners can benefit from this initiative, timelines +and roadmaps to keep you on track for building to or +implementing the new UAD and redesigned Uniform +Residential Appraisal Report (URAR), and additional +resources to learn more along the way. + +As we get closer to the implementation date, we’ll +provide links to training opportunities, so check back +often to make sure you’re on track. + +M A R C H 2 0 2 3 + +3 + +What is the UAD and Forms +Redesign Initiative? + +As the name implies, this is an effort to update the UAD – +the dataset behind appraisal forms submitted to Fannie +Mae and Freddie Mac (the GSEs) – and align it with the +current industry-standard MISMO Reference Model. It will +also mean replacing all the existing GSE forms with a +single flexible and dynamic report. diff --git a/chunks/txt/7c61e81c0d1a38e662abcca6f9f93fe00645f2cbd5f6cba13f05279659a803c4.txt b/chunks/txt/7c61e81c0d1a38e662abcca6f9f93fe00645f2cbd5f6cba13f05279659a803c4.txt new file mode 100644 index 0000000000000000000000000000000000000000..a44c1725ba31f17b995af24217e0757eb173b365 --- /dev/null +++ b/chunks/txt/7c61e81c0d1a38e662abcca6f9f93fe00645f2cbd5f6cba13f05279659a803c4.txt @@ -0,0 +1,8 @@ +--- +source_url: "https://singlefamily.fanniemae.com/integrated-vendor-list" +date_accessed: "2026-01-27T18:02:18.426Z" +--- + +[Skip to main content](#main-content) + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav diff --git a/chunks/txt/7c61f080a5ea73195a1a816ff70641533ec2197ba1acf09f1f75cbfa2f18db4d.txt b/chunks/txt/7c61f080a5ea73195a1a816ff70641533ec2197ba1acf09f1f75cbfa2f18db4d.txt new file mode 100644 index 0000000000000000000000000000000000000000..c5639fc2d77a07af58d2a3c9d5ff9e559605ef7a --- /dev/null +++ b/chunks/txt/7c61f080a5ea73195a1a816ff70641533ec2197ba1acf09f1f75cbfa2f18db4d.txt @@ -0,0 +1,77 @@ +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_Demand +SupplyType='InBalance'] + +6 + +6 + +6 + +10 + +10 + +10 + +10 + +10 + +Enumerated + +Enumerated + +Enumerated + +Enumerated UAD Requirement - Refer to Appendix D Neighborhood Section + +Enumerated UAD Requirement - Refer to Appendix D Neighborhood Section + +Enumerated UAD Requirement - Refer to Appendix D Neighborhood Section + +Enumerated UAD Requirement - Refer to Appendix D Neighborhood Section + +Enumerated UAD Requirement - Refer to Appendix D Neighborhood Section + +One and only one of fields 1-52, 1-53, 1-54 +(values of Property Neighborhood Location +Type) should be indicated. +One and only one of fields 1-52, 1-53, 1-54 ( +values of Property Neighborhood Location +Type) should be indicated. +One and only one of fields 1-52, 1-53, 1-54 ( +values of Property Neighborhood Location +Type) should be indicated. +One and only one of fields 1-55, 1-56, 1-57 ( +values of Neighborhood Builtup Range Type) +should be indicated. +One and only one of fields 1-55, 1-56, 1-57 ( +values of Neighborhood Builtup Range Type) +should be indicated. +One and only one of fields 1-55, 1-56, 1-57 ( +values of Neighborhood Builtup Range Type) +should be indicated. +One and only one of fields 1-58, 1-59, 1-60 +(values of Neighborhood Growth Pace Type) +should be indicated. +One and only one of fields 1-58, 1-59, 1-60 +(values of Neighborhood Growth Pace Type) +should be indicated. +One and only one of fields 1-58, 1-59, 1-60 +(values of Neighborhood Growth Pace Type) +should be indicated. +One and only one of fields 1-61, 1-62, 1-63 +(values of Neighborhood Property Value Trend +Type) must be indicated. +One and only one of fields 1-61, 1-62, 1-63 +(values of Neighborhood Property Value Trend +Type) must be indicated. +One and only one of fields 1-61, 1-62, 1-63 +(values of Neighborhood Property Value Trend +Type) must be indicated. +One and only one of fields 1-64, 1-65, 1-66 +(values of Neighborhood Demand and Supply +Type) must be indicated. +One and only one of fields 1-64, 1-65, 1-66 +(values of Neighborhood Demand and Supply +Type) must be indicated. diff --git a/chunks/txt/7c67764c84834acf9e5547fd108ced7e2b7d0739dc5f6bca702d27841782637b.txt b/chunks/txt/7c67764c84834acf9e5547fd108ced7e2b7d0739dc5f6bca702d27841782637b.txt new file mode 100644 index 0000000000000000000000000000000000000000..bdc229b6588dc05f9930e7fc1fd2fb3938085e5b --- /dev/null +++ b/chunks/txt/7c67764c84834acf9e5547fd108ced7e2b7d0739dc5f6bca702d27841782637b.txt @@ -0,0 +1,96 @@ +I + +S +E +C +T +O +N +h +t +i + +w +D +O +R +P +2 +4 +C +V +5 +F +9 +K +S +D +n +o + +r +e +t +t +o + +l + +Federal Register / Vol. 85, No. 107 / Wednesday, June 3, 2020 / Notices + +34207 + +was received or the date shown on the +loan application form. Application Date +is collected by the Enterprises.170 +Because Application Date presents +borrower privacy concerns, the CFPB +Privacy Guidance intends to exclude it +from the CFPB’s public dataset.171 +Accordingly, Application Date will not +be included in the Multifamily PUDB, +in conformance with the CFPB Privacy +Guidance. + +Property Address: Property Address is + +a new HMDA data element that +indicates the address of the property +securing the loan.172 Property Address +is collected by the Enterprises. Because +Property Address is uniquely +identifying, the CFPB Privacy Guidance +intends to exclude it from its public +dataset.173 Accordingly, Property +Address will not be included in the +Multifamily PUDB, in conformance with +the CFPB Privacy Guidance. + +Credit Score: Credit Score is a new +HMDA data element that indicates the +credit score relied on by the lender to +make the decision on the application.174 +The Enterprises collect Credit Score for +some natural person multifamily +borrowers. The CFPB requires Credit +Score to be reported, but the CFPB +Privacy Guidance intends to exclude it +from disclosure in the CFPB’s public +dataset.175 Accordingly, Credit Score +will not be included in the Multifamily +PUDB, in conformance with the CFPB +Privacy Guidance. + +5. Multifamily Data Elements Exempt +From HMDA + +Under Regulation C, Preapproval, +Income, Debt-to-Income, Manufactured +Home Secured Property Type, and +Manufactured Home Land Property +Interest data are not reported for +multifamily loans.176 Accordingly, these +are not HMDA data elements for PUDB +purposes. They are not included in the +current Multifamily PUDB and will not +be added to the Multifamily PUDB. diff --git a/chunks/txt/7c696dfc2e39a81130c92f7ad9e2d0684543dda57897de5f495135d1d404fc67.txt b/chunks/txt/7c696dfc2e39a81130c92f7ad9e2d0684543dda57897de5f495135d1d404fc67.txt new file mode 100644 index 0000000000000000000000000000000000000000..b71b195ed8abe26928a487acee5b1e95428613c2 --- /dev/null +++ b/chunks/txt/7c696dfc2e39a81130c92f7ad9e2d0684543dda57897de5f495135d1d404fc67.txt @@ -0,0 +1,117 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/INCOME_ANAL +YSIS/@EstimatedMarketMonthlyRentAmount + +/VALUATION_RESPONSE/VALUATION_METHODS/INCOME_ANAL +YSIS/@GrossRentMultiplierFactor + +12 + +12 + +12 + +12 + +9 + +Money + +PDF Display Format: +Whole numbers only. + +Money + +PDF Display Format: +Whole numbers only. + +This data is referenced more than once on the form (field 2-126), and must be +represented consistently. + +Money + +Money + +PDF Display Format: +Whole numbers only +PDF Display Format: +Whole numbers only + +Numeric + +PDF Display Format: +Whole numbers only + +INCOME +APPROACH + +Indicated Value of Income +Approach + +Value Indicated By +Income Approach +Amount + +The dollar value of the subject property +indicated by the Income Approach +method of property valuation. + +/VALUATION_RESPONSE/VALUATION_METHODS/INCOME_ANAL +YSIS/@ValueIndicatedByIncomeApproachAmount + +12 + +Money + +This data is referenced more than once on the form (field 2-127), and must be +represented consistently. + +PDF Display Format: +Whole numbers only + +INCOME +APPROACH + +Summary of Income Approach +(including support for market +rent and GRM) + +A free-form text field used to describe or +comment on the use of the Income +Approach in valuing a property. + +/VALUATION_RESPONSE/VALUATION_METHODS/INCOME_ANAL +YSIS/@_Comment + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +PROJECT +INFORMATION + +PROJECT +INFORMATION + +PROJECT +INFORMATION + +PROJECT +INFORMATION + +Is the developer/builder in +control of the Homeowners' +Association (HOA)? +Yes +Is the developer/builder in +control of the Homeowners' +Association (HOA)? +No +PUD +Project Unit Type(s) +Detached +PUD +Project Unit Type(s) +Attached diff --git a/chunks/txt/7c76e50c38b3be0101d156a75ea3d9e1f989dc3c3c9cb2fc826ed79c1f41f09f.txt b/chunks/txt/7c76e50c38b3be0101d156a75ea3d9e1f989dc3c3c9cb2fc826ed79c1f41f09f.txt new file mode 100644 index 0000000000000000000000000000000000000000..d1ede5eea818f624b2bc62e57a23366ed896c8ac --- /dev/null +++ b/chunks/txt/7c76e50c38b3be0101d156a75ea3d9e1f989dc3c3c9cb2fc826ed79c1f41f09f.txt @@ -0,0 +1,103 @@ +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='PorchDeck']/@_Amount + +SALES +COMPARISON +APPROACH + +Extra Item + +Property Feature +Description + +A free-form text field used to further +describe a property feature named in +Property Feature Name and associated by +Property Feature Sequence Identifier. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/OTHER_FEAT +URE_ADJUSTMENT[@PropertyFeatureSequenceIdentifier='1']/@PropertyFeatu +reDescription + +1 + +10 + +20 + +10 + +20 + +10 + +20 + +10 + +20 + +10 + +20 + +10 + +20 + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +This field indicates the number of other finished rooms in the basement. + +Numeric + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +PDF Display Format: +Numeric, 1-digit + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +Money + +PDF Display Format: +Whole dollars only. + +String + +This is a free text field which should describe the functional utility. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +Money + +PDF Display Format: +Whole dollars only. + +String + +This is a free text field which should describe the heating/cooling. + +Money + +String + +Money + +String + +Money + +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 +This is a free text field which must describe any energy efficient items. diff --git a/chunks/txt/7c7a46809cc16d5c3d70c2f8302cf5e10fc190b8dcd2663d501969438126b084.txt b/chunks/txt/7c7a46809cc16d5c3d70c2f8302cf5e10fc190b8dcd2663d501969438126b084.txt new file mode 100644 index 0000000000000000000000000000000000000000..1605c5daf349d90da0564b4bfa9003d9162426dc --- /dev/null +++ b/chunks/txt/7c7a46809cc16d5c3d70c2f8302cf5e10fc190b8dcd2663d501969438126b084.txt @@ -0,0 +1,65 @@ +Page 49 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073/465 + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075/466 + +Above Grade Room Count, Gross Living +Area +The appraiser must enter the total number of +rooms as well as the number of bedrooms +and bathrooms for the subject property and +each comparable property. The appraiser +must also enter the gross living area for the +subject property and each comparable +property. The appraiser must follow the same +standards outlined in the Improvements +section under “Finished Area Above Grade” +and “Square Feet of Gross Living Area Above +Grade.” Reporting Format: +# of Rooms – Numeric to 2 digits, whole +numbers only +# of Bedrooms – Numeric to 2 digits, whole +numbers only # of Bath(s) – Numeric to 2 +decimal places +Separate full bath count from half bath count +with a period (.), nn.nn Gross Living Area – +Numeric to 5 digits, whole numbers only + +Example: +3.2 indicates three full baths and two half +baths above grade. + +Page 50 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. diff --git a/chunks/txt/7c7ab5106769384cb8f0e082d784350e24f59d2545945c5ac38a5c810c66d64c.txt b/chunks/txt/7c7ab5106769384cb8f0e082d784350e24f59d2545945c5ac38a5c810c66d64c.txt new file mode 100644 index 0000000000000000000000000000000000000000..2618b15440c3492228fbb8b325c3266ccad25f3d --- /dev/null +++ b/chunks/txt/7c7ab5106769384cb8f0e082d784350e24f59d2545945c5ac38a5c810c66d64c.txt @@ -0,0 +1,122 @@ +10 + +Money + +Form FNM 2055 FRE 2055 +Appendix B: GSE Appraisal Forms Mapping + +Page 195 of 211 + +Document Version 1.4 + +Sort +ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point +Field +Length + +Format + +Implementation Notes + +Conditionality Description + +300 + +2 + +e-5 + +SALES +COMPARISON +APPROACH + +View + +(Overall Rating) + +GSE View Overall +Rating Type + +The overall rating of the view associated +with the property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM +PARISON_VIEW_OVERALL_RATING_EXTENSION/COMPARISON_ +VIEW_OVERALL_RATING_EXTENSION_SECTION[@ExtensionSectio +nOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_VIEW_OVERALL_RATING_EXTENSION +_SECTION_DATA/COMPARISON_VIEW_OVERALL_RATING/@GSE +ViewOverallRatingType + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +The allowable values are listed below. When representing these values in the XML +file, they must be shown exactly as they appear below: + +10 + +Enumerated + +Allowable Values PDF Display +Neutral N +Beneficial B +Adverse A + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +The allowable values are listed below. When representing these values in the XML +file, they must be shown exactly as they appear below: + +Data Field +Conditionality + +R + +301 + +2 + +e-6 + +SALES +COMPARISON +APPROACH + +View + +(ViewType) + +GSE View Type + +The type of view associated with the +property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM +PARISON_VIEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETA +IL_EXTENSION_SECTION[@ExtensionSectionOrganizationName='UNIF +ORM APPRAISAL +DATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_ +DATA/COMPARISON_VIEW_DETAIL[@_SequenceIdentifier='1..2']/@G +SEViewType diff --git a/chunks/txt/7c7b89411ec55a7aabb4f02a3ad0de2b06ca87558ad4ad6356a64aca95de7b77.txt b/chunks/txt/7c7b89411ec55a7aabb4f02a3ad0de2b06ca87558ad4ad6356a64aca95de7b77.txt new file mode 100644 index 0000000000000000000000000000000000000000..ada988eaa9cb724ec3e6d738698f661d79fb70da --- /dev/null +++ b/chunks/txt/7c7b89411ec55a7aabb4f02a3ad0de2b06ca87558ad4ad6356a64aca95de7b77.txt @@ -0,0 +1,59 @@ +1. ESTIMATED TAXES, INSURANCE & ASSESSMENTS + +For this section, total estimated property costs per month are $356. This amount is the sum of the monthly charges for +taxes, insurance and assessments and is included in the XML file regardless of whether any of these charges is paid out of an +escrow account. + +Values provided in “Other” on the form should NOT use the enumeration “Other” unless the needed cost is not specified +in UCD v2.0. In that situation, the value “Other” is used for ProjectedPaymentsEstimatedTaxesInsuranceAssessment +ComponentType and ProjectedPaymentsEstimatedTaxesInsuranceAssessmentComponentTypeOtherDescription must be +included with a value describing the item succinctly and clearly. + +Figure 49. Rendering Estimated Taxes, Insurance & Assessment Data on the CD Projected Payments Table. + +Projected Payments + +5.5 Estimated Total +Monthly Payment + +5.0 + +5.5.1 +5.5.2 + +5.6 Estimated Taxes, Insurance +& Assessments +Amount can increase over time +See page 4 for details + +5.6.1 $356.16 +5.6.2 a month + +This estimate includes +5.6.3  Property Taxes +5.6.4  Homeowners Insurance +5.6.5  Other: Homeowner’s Association Dues + +In escrow? +YES +NO +NO + +a. Estimated Property Cost Line Items + +Three property cost items are identified in Figure 49 and are provided in the XML file using + +ProjectedPaymentsEstimatedTaxesInsuranceAssessmentComponentType = “PropertyTaxes”, “HomeownersInsurance”, and + +UCD v2.0 Implementation Guide + +- 70 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +“HomeownersAssociationDues“. “Homeowner’s Association Dues” is provided next to the “Other” checkbox on the form, +but it is a supported enumeration for “…ComponentType” so it, NOT “Other” is provided in the XML file. diff --git a/chunks/txt/7c8d89b48f119e5fe9412a4a12e1639b0cd64d99aad61cf83d66cbd28581d794.txt b/chunks/txt/7c8d89b48f119e5fe9412a4a12e1639b0cd64d99aad61cf83d66cbd28581d794.txt new file mode 100644 index 0000000000000000000000000000000000000000..33d13017d42bad869f482eab0503a4a935edc172 --- /dev/null +++ b/chunks/txt/7c8d89b48f119e5fe9412a4a12e1639b0cd64d99aad61cf83d66cbd28581d794.txt @@ -0,0 +1,44 @@ +At least one of fields 2-42, 2-43, 2-44, 2-45, +2-46 and 2-47 should be populated. + +At least one of fields 2-42, 2-43, 2-44, 2-45, +2-46 and 2-47 should be populated. + +At least one of fields 2-42, 2-43, 2-44, 2-45, +2-46 and 2-47 should be populated. + +At least one of fields 2-42, 2-43, 2-44, 2-45, +2-46 and 2-47 should be populated. + +At least one of fields 2-42, 2-43, 2-44, 2-45, +2-46 and 2-47 should be populated. + +At least one of fields 2-42, 2-43, 2-44, 2-45, +2-46 and 2-47 should be populated. + +If field 2-47 is indicated then this field +should be populated. + +At least one of fields 2-54 (Cooling +Centralized Indicator = 'Y'), 2-55 (Cooling +Individual Indicator = 'Y'), 2-56 (Cooling +Other Indicator = 'Y') should be indicated. +If field 2-57 (Cooling Unit Description) +indicates 'None' then fields 2-54 and 2-55 +should not be indicated. + +At least one of fields 2-54 (Cooling +Centralized Indicator = 'Y'), 2-55 (Cooling +Individual Indicator = 'Y'), 2-56 (Cooling +Other Indicator = 'Y') should be indicated. +If field 2-57 (Cooling Unit Description) +indicates 'None' then fields 2-54 and 2-55 +should not be indicated. + +At least one of fields 2-54 (Cooling +Centralized Indicator = 'Y'), 2-55 (Cooling +Individual Indicator = 'Y'), 2-56 (Cooling +Other Indicator = 'Y') should be indicated. +If field 2-57 (Cooling Unit Description) +indicates 'None' then fields 2-54 and 2-55 +should not be indicated. diff --git a/chunks/txt/7c8fb0035fcc0ccfc14f0c497a09f5b059a8538420a9d78b85249b36699d4b34.txt b/chunks/txt/7c8fb0035fcc0ccfc14f0c497a09f5b059a8538420a9d78b85249b36699d4b34.txt new file mode 100644 index 0000000000000000000000000000000000000000..448ea2b256d00b4e0b1ca4ad55c5e81042d9d3ee --- /dev/null +++ b/chunks/txt/7c8fb0035fcc0ccfc14f0c497a09f5b059a8538420a9d78b85249b36699d4b34.txt @@ -0,0 +1,34 @@ +- [Our Privacy Policy Is Clear](#OPP) +- [Information Collected and Stored Automatically](#ICSA) +- [Website Measurement and Customization Technologies (e. g. Cookies) Policy](#WMCT) +- [If You Send Us Personal Information](#IYSUPI) +- [E-Mail Policy](#EMP) +- [What are Your Rights under the Privacy Act of 1974?](#WAYR) +- [Principal Purpose and Routine Uses of Information](#PPRUI) +- [Authority for Collecting Information](#ACI) +- [Information from Children](#IFC) +- [Copyright](#copyright) +- [Agency Name and Official Seal Permissions](#ANOSP) +- [Links to other Websites](#Links) +- [Social Media](#Social) +- [Internet Security](#Security) +- [False Statements and Documents](#False) +- [Liability](#Liability) +- [Questions about Privacy](#Questions) + +## 1. Our Privacy Policy is Clear + +You do not have to provide personal information to use this website. We will not collect any personal information about you when you visit our website unless you voluntarily choose to provide such information to us. We respect your right to privacy and will protect it when you visit our website. + +## 2. Information Collected and Stored Automatically + +If, during your visit to FHFA.gov, you only browse through the website, read pages, or download information, we automatically collect and store the following information: + +- The Internet domain *(for example, "xcompany.com" if you use a private Internet access account, or "yourschool.edu" if you connect from a university's domain),* and IP address *(an IP address is a number that is assigned automatically to your computer whenever you are surfing the Web)*from which you accessed our website; +- The type of browser and operating system you used to access our site; +- The date and time you accessed our site; +- The pages you visited; +- The type of actions you performed, such as information requests, and the searches you performed; +- The number of bytes of information, if any, sent by our server; and +- If you linked to our website from another website, the address of that website. +This information does not identify you personally. We use this information to help make our site more useful to visitors. This data is used in summary form for statistical purposes: (i) to learn about the number of visitors to our site and the types of technology our users use to access our site; (ii) to assess system performance; (iii) to identify problems with agency systems; and (iv) to improve the site for users. In the event of a computer security incident, such data may be further refined to allow computer security specialists to identify Internet service providers and, in certain cases, individuals or entities attacking FHFA. diff --git a/chunks/txt/7c95d343f97025e2ce3cfe481076d28f82e7bdef3d5acbc412933ce1408ef801.txt b/chunks/txt/7c95d343f97025e2ce3cfe481076d28f82e7bdef3d5acbc412933ce1408ef801.txt new file mode 100644 index 0000000000000000000000000000000000000000..06dfc72125cd5b26376fbee9a08ba77c71d8821c --- /dev/null +++ b/chunks/txt/7c95d343f97025e2ce3cfe481076d28f82e7bdef3d5acbc412933ce1408ef801.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/about/careers" +date_accessed: "2026-01-27T17:54:20.330Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/7c965c8117dff7d4085cc80071765151098d4c364ac085a5b3a1b08a9293fd57.txt b/chunks/txt/7c965c8117dff7d4085cc80071765151098d4c364ac085a5b3a1b08a9293fd57.txt new file mode 100644 index 0000000000000000000000000000000000000000..5cf28ab4be3f346b3f126706b8a7486550b406ce --- /dev/null +++ b/chunks/txt/7c965c8117dff7d4085cc80071765151098d4c364ac085a5b3a1b08a9293fd57.txt @@ -0,0 +1,105 @@ +1.061 + +- 1.062 + +1.034 + +1.041 + +1.049 + +1.056 + +1.064 + +1.070 + +1.076 + +1.035 + +1.039 + +1.042 + +1.050 + +1.057 + +1.065 + +1.071 + +1.077 + +1.054 + +1.082 + +1.032 + +1.036 + +1.043 + +1.051 + +1.058 + +1.066 + +1.072 + +1.078 + +1.037 + +1.044 + +1.052 + +1.059 + +1.067 + +1.073 + +1.079 + +1.038 + +1.045 + +1.053 + +1.060 + +1.068 + +1.074 + +1.080 + +1.081 + +1.083 + +1.084 + +(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) + +Uniform Residential Appraisal Report + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20) + +Page [Page] of [Pages] + +Assignment Information + +Assignment Reason +Borrower Name +Seller Name +Current Owner of Public Record + +(cid:21)(cid:17)(cid:19)(cid:19)(cid:19) diff --git a/chunks/txt/7c9e4993408978d5e1b668bdb5d2fd2591424f72bff9d72441adc0f74d480ba8.txt b/chunks/txt/7c9e4993408978d5e1b668bdb5d2fd2591424f72bff9d72441adc0f74d480ba8.txt new file mode 100644 index 0000000000000000000000000000000000000000..79b62bd75f656670f4d7d479bcdfe3e40fd11ef2 --- /dev/null +++ b/chunks/txt/7c9e4993408978d5e1b668bdb5d2fd2591424f72bff9d72441adc0f74d480ba8.txt @@ -0,0 +1,32 @@ +73,086 open jobs](https://www.linkedin.com/jobs/marketing-analyst-jobs?trk=organization_guest-browse_jobs) + - [### Accountant jobs + +91,739 open jobs](https://www.linkedin.com/jobs/accountant-jobs?trk=organization_guest-browse_jobs) + - [### Landman jobs + +839 open jobs](https://www.linkedin.com/jobs/landman-jobs?trk=organization_guest-browse_jobs) + - [### Senior Analyst jobs + +91,204 open jobs](https://www.linkedin.com/jobs/senior-analyst-jobs?trk=organization_guest-browse_jobs) + - [### Officer jobs + +1,191,868 open jobs](https://www.linkedin.com/jobs/officer-jobs?trk=organization_guest-browse_jobs) + - [### Project Manager jobs + +253,048 open jobs](https://www.linkedin.com/jobs/project-manager-jobs?trk=organization_guest-browse_jobs) + - [### Vice President jobs + +235,270 open jobs](https://www.linkedin.com/jobs/vice-president-jobs?trk=organization_guest-browse_jobs) + - [### Transportation Analyst jobs + +39,811 open jobs](https://www.linkedin.com/jobs/transportation-analyst-jobs?trk=organization_guest-browse_jobs) + - [### Experience Manager jobs + +360,812 open jobs](https://www.linkedin.com/jobs/experience-manager-jobs?trk=organization_guest-browse_jobs) + - [### Associate jobs + +1,091,945 open jobs](https://www.linkedin.com/jobs/associate-jobs?trk=organization_guest-browse_jobs) + - [### Director jobs + +1,220,357 open jobs](https://www.linkedin.com/jobs/director-jobs?trk=organization_guest-browse_jobs) + - [### Technical Lead jobs diff --git a/chunks/txt/7ccda0007d946a9111f2d3e7f3a823b5fa8e5f2080b585a4fc4856f76540e743.txt b/chunks/txt/7ccda0007d946a9111f2d3e7f3a823b5fa8e5f2080b585a4fc4856f76540e743.txt new file mode 100644 index 0000000000000000000000000000000000000000..ea9226c6f0707e692d22ef82b42b5744ad4ea6ea --- /dev/null +++ b/chunks/txt/7ccda0007d946a9111f2d3e7f3a823b5fa8e5f2080b585a4fc4856f76540e743.txt @@ -0,0 +1,3 @@ +Site Influence ............................................................................................................................................................................................................................ 120 + +View and Impact to Value/Marketability ................................................................................................................................................................................. 125 diff --git a/chunks/txt/7ccf42f0130bd6bad3671f143f2cfda2a7d42fd0ab2e64baa3ba3db05252228c.txt b/chunks/txt/7ccf42f0130bd6bad3671f143f2cfda2a7d42fd0ab2e64baa3ba3db05252228c.txt new file mode 100644 index 0000000000000000000000000000000000000000..b1eb3c8eaa1e30b1db96d97c36eda86278232997 --- /dev/null +++ b/chunks/txt/7ccf42f0130bd6bad3671f143f2cfda2a7d42fd0ab2e64baa3ba3db05252228c.txt @@ -0,0 +1,19 @@ +![Figure 2: Example of National Risk Index Information for Composite Risk](/sites/default/files/2024-09/Figure-2-Example-of-National-Risk-Index-Information-for-Composite-Risk.png) + +*Figure 2: Example of National Risk Index Information for Composite Risk* + +### Acquisition Tab + +The Acquisition tab shows the counts and total acquisition UPB of the loans purchased by Fannie Mae, Freddie Mac, and the Federal Home Loan Banks (FHLBanks) in 2022. The geographic filters allow users to find the statistics for the communities in which they are interested. Once the filters are selected, the tab will show the information for the selected state, county, and census tract. + +![Figure 3: Acquisition tab](/sites/default/files/2024-09/FAQ_Figure_3_large.png) + +*Figure 3: Acquisition Tab* + +## **Frequently Asked Questions** + +For questions regarding FEMA’s NRI data, please refer to the technical documentation [here](https://hazards.fema.gov/nri/frequently-asked-questions). + +- **Why are “National Risk Index” and “Expected Annual Loss” blank in the default setting?** - The National Risk Index Score and Expected Annual Loss (Figure 4, highlighted in red) are census tract-level data. It will be blank until a “State,” “County,” and “Tract” in the Filter section is selected (Figure 4, highlighted in yellow). The census-level information will be populated once a census tract is selected, as shown in Figure 5. + - The “Avg. State” represents an average of indices in the census tracts in a selected state and it will be populated once a State is selected. + ![Figure 4: NRI and EAL](/sites/default/files/2024-09/figure-4-nri-and-eal.png) diff --git a/chunks/txt/7ccfed0df9f4b0d1af60cd161a9f78a1e7c112ff8903ad9272c3208d004c0c13.txt b/chunks/txt/7ccfed0df9f4b0d1af60cd161a9f78a1e7c112ff8903ad9272c3208d004c0c13.txt new file mode 100644 index 0000000000000000000000000000000000000000..2dc8765237a7bf0f7821a90b1a1a8a7dd0301a57 --- /dev/null +++ b/chunks/txt/7ccfed0df9f4b0d1af60cd161a9f78a1e7c112ff8903ad9272c3208d004c0c13.txt @@ -0,0 +1,55 @@ +Well maintained + +No damage or condition +issues noted + +No damage or condition +issues noted + +Wet Bar + +Wet bar with custom brick +work has been added as a +unique interior feature. + +Basement has a custom brick +wet bar that includes wood +countertops. + +Typical Wear and Tear + +Overall Update Status for +Flooring + +Moderately Updated + +Apparent Defects, Damages, Deficiencies (Unit Interior - Primary Dwelling) + +None + +Unit Interior Commentary + +The 1st floor primary bedroom bath was gut renovated approximately 2 – 3 years ago with upgrades to the shower, addition of a large soaking +tub, upgraded ceramic tile in the shower and floors, custom built vanity with marble countertop and upgraded fixtures and lighting. The +kitchen cabinets were re-faced, and new solid surface countertops installed along with new appliances and lighting fixtures. The carpet was +replaced throughout approximately 5 - 6 years ago with upgraded carpet on the first floor (including primary bedroom) and basement family +room. The 2nd floor carpeting was also replaced, however with standard grade carpet. The vinyl floors in the 2nd floor baths were replaced +with standard grade vinyl 6 years ago. + +Unit Interior Exhibits + +Level B1 - Bath - Full - Bath 1 + +Level 2 - Bath - Full - Bath 2 + +This is where the 1st Full Bath photo would display. + +This is where the 2nd Full Bath photo would display. + +Appraisal Version #1Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201 + +Uniform Residential Appraisal Report + +Page 9 of 23 + +Unit Interior - Primary Dwelling (continued) diff --git a/chunks/txt/7cea54996eb84ad6d9b34e245b8653f2b2268cab349f156ddc29643f8c9f4688.txt b/chunks/txt/7cea54996eb84ad6d9b34e245b8653f2b2268cab349f156ddc29643f8c9f4688.txt new file mode 100644 index 0000000000000000000000000000000000000000..8180f5934917f1472d7dc1fc99feb2b948b84f12 --- /dev/null +++ b/chunks/txt/7cea54996eb84ad6d9b34e245b8653f2b2268cab349f156ddc29643f8c9f4688.txt @@ -0,0 +1,90 @@ +10 + +20 + +10 + +UAD Requirement - See Appendix D Sales Comparison Approach Section + +Money + +PDF Display Format: +Whole dollars only. + +The sum of this field 3-74 and fields (3- +60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-72, +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. + +CR + +CR + +CR + +String + +This field should indicate the floor on which the unit is located. + +T + +T + +T + +UAD Requirement - See Appendix D Sales Comparison Approach Section + +Money + +PDF Display Format: +Whole dollars only. + +The sum of this field 3-76 and fields (3- +60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-72, +3-74, 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. + +CR + +CR + +CR + +414 + +3 + +e-5 + +SALES +COMPARISON +APPROACH + +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='1..N']/COMPARISON +_VIEW_OVERALL_RATING_EXTENSION/COMPARISON_VIEW_OVERAL +L_RATING_EXTENSION_SECTION[@ExtensionSectionOrganizationName='U +NIFORM APPRAISAL +DATASET']/COMPARISON_VIEW_OVERALL_RATING_EXTENSION_SEC +TION_DATA/COMPARISON_VIEW_OVERALL_RATING/@GSEViewOveral +lRatingType + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +The allowable values are listed below. When representing these values in the XML +file, they must be shown exactly as they appear below: diff --git a/chunks/txt/7d0608789166d43dd535419f8df485a699d8de7e7ac2209a6188a7bdda364572.txt b/chunks/txt/7d0608789166d43dd535419f8df485a699d8de7e7ac2209a6188a7bdda364572.txt new file mode 100644 index 0000000000000000000000000000000000000000..b289e6c9276f7946884d7f62f9d17a54507ec7cb --- /dev/null +++ b/chunks/txt/7d0608789166d43dd535419f8df485a699d8de7e7ac2209a6188a7bdda364572.txt @@ -0,0 +1,28 @@ +Limited windows and doorways, constructed +of economy grade materials, simple in shape +and design, and featuring basic trim and +finish. +Basic roof design, usually low‐pitch and +single roofline; features economy or +standard‐grade roof materials. +Exterior walls constructed using economy or +standard‐grade materials and featuring +minimal corners; usually a basic rectangular +shape. + +Limited windows and doorways, constructed +of lower‐grade materials and featuring +minimal or no trim and finish. +Basic roof design, usually low‐pitch and +single roofline; may possess inconsistent +rooflines if additions are present; features +low‐grade or alternate roof materials. +Exterior walls constructed using economy or +low‐grade materials and featuring minimal +corners; usually a basic rectangular shape. + +Condition and Quality Rating Definitions + +Page 5 of 5 + +Version 1.0 diff --git a/chunks/txt/7d0cf0e0adbc8d64ba4d590a11c2326f8012e8db2396621af21b199feeb5865a.txt b/chunks/txt/7d0cf0e0adbc8d64ba4d590a11c2326f8012e8db2396621af21b199feeb5865a.txt new file mode 100644 index 0000000000000000000000000000000000000000..e0d1465a3e9efec0ab570d305535543984d62df9 --- /dev/null +++ b/chunks/txt/7d0cf0e0adbc8d64ba4d590a11c2326f8012e8db2396621af21b199feeb5865a.txt @@ -0,0 +1,7 @@ +Site Value .................................................................................................................................................................................................................................. 336 + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 19 + +Cost Approach Commentary .................................................................................................................................................................................................... 339 diff --git a/chunks/txt/7d14ac3682a123c061ffc371d76b23793afb254c30a094c51109805205b19699.txt b/chunks/txt/7d14ac3682a123c061ffc371d76b23793afb254c30a094c51109805205b19699.txt new file mode 100644 index 0000000000000000000000000000000000000000..7a5f03b32ef18d5bd43a0a3d1be7282d7b35a008 --- /dev/null +++ b/chunks/txt/7d14ac3682a123c061ffc371d76b23793afb254c30a094c51109805205b19699.txt @@ -0,0 +1,102 @@ +BuydownChangeFr +equencyMonthsCo +unt + +12 + +ID +(bullet) + +4.2.3 (1) +20.4 | +20.5 + +4.2.3 (2) Goes as high as +_%_ in year _#_ + +BuydownDuration +MonthsCount + +36 + +Represented as +both “Adjusts +every year” and +“starting in Year 2” +on form + +Represented as in +Year 4 on form + +c. LOANS WI TH OPTION TO EXTEND LOAN TERM + +An additional bullet point is required if the loan product has a fixed P&I payment that allows any interest rate +increases to extend the loan term instead of the increasing the payment. This situation requires the inclusion of +an additional data point in the XML file to represent the maximum loan term, as shown in the table below. + +4.0 Loan Terms + +Can this amount increase after closing? + +4.1 Loan Amount + +4.1.1 $162,000 + +4.1.2 NO + +4.1.3 • Description if YES + +4.2 Interest Rate + +4.2.1 3.875% + +4.2.2 YES + +4.2.3 • Adjusts every 3 years starting in year 6 +• Can go as high as 12% in year 15 +• Can increase loan term to 35 Years +• See AIR Table on page 4 for details + +Figure 40. Loan Terms Table – Interest Rate Increases Extend Loan Term + +Table 56. Extend Loan Term Instead of Increase Rate + +ID +(bullet) + +4.2.3 (3) + +Form Field Name + +Can increase loan +term to n + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +…/MATURITY_RULE LoanTermMaximu + +420 + +mMonthsCount + +Represented as “35 +Years” on form + +i. MAPPI NG GUIDANCE + +See IV.A.5. Static Boilerplate. + +4. 3 PRI NCI PAL AND I NTERE ST + +The third key term presented in the Loan Terms table is the initial periodic Principal & Interest (P&I) payment +amount that will be due under the terms of the legal obligation. The data point used to represent the P&I +payment amount depends on whether it is known at the time of consummation. diff --git a/chunks/txt/7d24cc74cffd37ae8a98c0211da927298e8bfbc4f6c27af1bff513f077f5f150.txt b/chunks/txt/7d24cc74cffd37ae8a98c0211da927298e8bfbc4f6c27af1bff513f077f5f150.txt new file mode 100644 index 0000000000000000000000000000000000000000..ad18edd1675ef40fb08c4998449fda7b33889e4f --- /dev/null +++ b/chunks/txt/7d24cc74cffd37ae8a98c0211da927298e8bfbc4f6c27af1bff513f077f5f150.txt @@ -0,0 +1,54 @@ +No lease requirements relating to +assignments, transfers, subleases or +mortgages. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 22 of 166 + +UAD 3.6 Policy + +Lease Requirements if the Borrower is the Lessee + +Lease Requirements if the HOA or Co-op +Corporation is the Lessee + +• + +limitations in accordance and compliance within Selling +Guide B5-5.2-01, Loans With Resale Restrictions: General +Information. + +The lease must provide protection of the lender's financial interests in +the event of a condemnation or similar taking proceeding. + +Note: If the lease provisions are silent or insufficient, the lender may rely +on applicable state law or other written agreement that provides +substantially the same protections. + +See Selling Guide B4-2.2-03, Full Review: +Additional Eligibility Requirements for Units +in New and Newly Converted Condo +Projects and B4-2.3-03, Legal Requirements +for Co-op Projects. + +The lease must not include any default provisions that could result in +forfeiture or termination of the lease, unless the lease provides the +lender with: + +• + +• + +the right to receive notice of any lessee default under the lease, +and + +at least 30 days, at the lender's option, to either cure the +default, take over the lessee's rights under the lease, or +commence foreclosure. + +Note: If the property is located in Maryland, it is exempt from this +requirement if applicable state law provides for the registration of +residential leases with the state and requires the lessor to send written +notice of default under the lease to the lender at least 30 days prior to +the lessor filing an action for possession. diff --git a/chunks/txt/7d2ec1f0d49f1a847a974bd6b60e3efe2cfbe08e0aa347354e07e302722b470d.txt b/chunks/txt/7d2ec1f0d49f1a847a974bd6b60e3efe2cfbe08e0aa347354e07e302722b470d.txt new file mode 100644 index 0000000000000000000000000000000000000000..23b1c314fd1d5771b7a40f931fd8033aaf123066 --- /dev/null +++ b/chunks/txt/7d2ec1f0d49f1a847a974bd6b60e3efe2cfbe08e0aa347354e07e302722b470d.txt @@ -0,0 +1,26 @@ +7. I selected and used comparable sales that are locationally, physically, and functionally the most similar to the subject property. + +8. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that +has been built or will be built on the land. + +9. I have reported adjustments to the comparable sales that reflect the market's reaction to the differences between the subject +property and the comparable sales. + +10. I verified, from a disinterested source, all information in this report that was provided by parties who have a financial interest in +the sale or financing of the subject property. + +11. I have knowledge and experience in appraising this type of property in this market area. + +12. I am aware of, and have access to, the necessary and appropriate public and private data sources, such as multiple listing +services, tax assessment records, public land records and other such data sources for the area in which the property is located. + +13. I obtained the information, estimates, and opinions furnished by other parties and expressed in this appraisal report from +reliable sources that I believe to be true and correct. + +14. I have taken into consideration the factors that have an impact on value with respect to the subject neighborhood, subject +property, and the proximity of the subject property to adverse influences in the development of my opinion of market value. I +have noted in this appraisal report any adverse conditions (such as, but not limited to, needed repairs, deterioration, the +presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) observed during the inspection of the +subject property or that I became aware of during the research involved in performing this appraisal. I have considered these +adverse conditions in my analysis of the property value, and have reported on the effect of the conditions on the value and +marketability of the subject property. diff --git a/chunks/txt/7d54d5ebf0caba6044907755168da3c04bbb774e5105a69312893cb155dd728b.txt b/chunks/txt/7d54d5ebf0caba6044907755168da3c04bbb774e5105a69312893cb155dd728b.txt new file mode 100644 index 0000000000000000000000000000000000000000..6d83278ecac7060ee96ce1742d796197ff5ffd76 --- /dev/null +++ b/chunks/txt/7d54d5ebf0caba6044907755168da3c04bbb774e5105a69312893cb155dd728b.txt @@ -0,0 +1,106 @@ +GSE Basement Exit +Type + +The type of exit for a basement. +Describes how the basement can be +accessed. + +339 + +2 + +82 + +SALES +COMPARISON +APPROACH + +Basement & Finished +Adjustment + +(Line 1) + +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. + +340 + +2 + +e-21 + +SALES +COMPARISON +APPROACH + +Rooms Below Grade + +(Line 2) + +GSE Below Grade +Recreation Room +Count + +The number of recreation rooms +below grade. + +341 + +2 + +e-22 + +SALES +COMPARISON +APPROACH + +Rooms Below Grade + +(Line 2) + +GSE Below Grade +Bedroom Room +Count + +The number of bedrooms below +grade. + +/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/@GSEBelowGradeTotalSquareFeetNum +ber + +/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/@GSEBelowGradeFinishSquareFeetNu +mber + +/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/@GSEBasementExitType diff --git a/chunks/txt/7d5f0f11e5b7525525328aa37eee2e622e7a41937e9fcc65274c88127891f601.txt b/chunks/txt/7d5f0f11e5b7525525328aa37eee2e622e7a41937e9fcc65274c88127891f601.txt new file mode 100644 index 0000000000000000000000000000000000000000..1c74776b29de8fc5c73369be5682ec81600d82ea --- /dev/null +++ b/chunks/txt/7d5f0f11e5b7525525328aa37eee2e622e7a41937e9fcc65274c88127891f601.txt @@ -0,0 +1,70 @@ +The ADU has 704 sq. ft. of below-grade finished area containing a bedroom, full bathroom, kitchen, and +living room. The ADU has an exterior walk out and no interior access to the primary dwelling. + +The subject property has an attached two-car garage, detached two-car carport, and a four-car +driveway. Amenities include two decks, a patio, a porch, an inground pool, a fireplace, and a woodstove. + +The dwelling was 40 years old as of the effective date of the appraisal. Overall, the dwelling exhibits +typical wear and tear and is in C4 condition. + +The subject property is under contract and pending sale for $765,000. + +Key Characteristics + +• + +Parties associated with this transaction: + +• +• +• + +Lender (Client) +AMC +Appraiser + +• Defects, Damages, Deficiencies: None +• + +Subject Property + +• +• + +Property Rights Appraised: Leasehold +Attachment Type: Detached + +• + +Site Utilities + +• Water and Sanitary Sewer are public +• + +Electric is private (solar panels) with connection to public electrical lines maintained + +• + +• +• + +Energy Efficient and Green Features + +Renewable Energy Component: Leased Solar Panels + +▪ +▪ Green Energy Certification: RESNET (HERS) and DOE (Home Energy Score) + +Accessory Dwelling Unit on below grade level +Prior Sale and Transfer History: Comp 2 was a deed transfer + +Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to +information in the URAR. + +The URAR sample scenario begins on the next page. +This cover section, including Introduction and Key Characteristics, +is not part of the URAR. + +Uniform Residential Appraisal Report + +456 SOMETHING RD, SOMEWHERE, VA 12345 diff --git a/chunks/txt/7d618546c35224ec7cef0f95898be6876749a1b5081e4bc61ec5621dfe4e0f20.txt b/chunks/txt/7d618546c35224ec7cef0f95898be6876749a1b5081e4bc61ec5621dfe4e0f20.txt new file mode 100644 index 0000000000000000000000000000000000000000..363cfa9dc837503ca31567cdcf2a08a1c164fe62 --- /dev/null +++ b/chunks/txt/7d618546c35224ec7cef0f95898be6876749a1b5081e4bc61ec5621dfe4e0f20.txt @@ -0,0 +1,113 @@ +Multiple + +INTGEGRATED_DISCLOSRE_SUBSECTION_PAYMENT + +Holds data points with subsection payment line items. + +UCD v2.0 supports all “Closing Costs Details” (CD page 2) “gray bar” labels and totals and subtotal labels. A helpful analogy +for the gray bar labels and labels is that they mimic key-value pairs—IntegratedDisclosureSectionType and Integrated +DisclosureSectionAmount. + +In Figure 59, the data point “IntegratedDisclosureSubsectionType” is indented under the “_SummaryType” data point + +because it is tied to it by containment (in the same INTEGRATED_DISCLOSURE_SECTION_SUMMARY_DETAIL container). + +Figure 59. Rendering Section Heading Data on the CD Closing Cost Details Tables. + +CD Excerpt + +UCD v2.0 Spec Excerpt + +Loan Costs + +7.0 + +Borrower-Paid + +At Closing + +Before Closing + +IntegratedDisclosureSection +SummaryType + +IntegratedDisclosureSection +TotalAmount + +7.1 A. Origination Charges + +7.1.1 $5,432.00 + +OriginationCharges + +7.4 B. Services Borrower Did Not Shop +For + +7.4.1 $279.00 + +ServicesBorrowerDidNotShopFor + +7.6 C. Services Borrower Did Shop For + +7.6.1 $445.00 + +ServicesBorrowerDidShopFor + +7.8 D. TOTAL LOAN COSTS + +7.8.1 $6,156.00 + +TotalLoanCosts + +5432.00 + +279.00 + +445.00 + +6156.00 + +7.9 Loan Costs Subtotals + +7.9.2 + +7.9.2 + +IntegratedDisclosureSubsectionTy +pe = “LoanCostsSubtotals” + +Other Costs + +8.0 + +8.1 E. Taxes and Other Government +Fees + +8.1.1 $750.00 + +TaxesAndOtherGovernmentFees + +750.00 + +8.4 F. Prepaids + +8.4.1 $337.00 + +Prepaids + +8.10 G. Initial Escrow Payment at +Closing + +8.10.1 $229.00 + +InitialEscrowAtClosing + +8.16 H. Other + +8.16.1 $250.00 + +OtherCosts + +8.18 I. TOTAL OTHER COSTS + +8.18.1 $1,566.00 diff --git a/chunks/txt/7d7349a4599b89b5ae1c6835e1f5b7e12b056ab8809115ef94db093dfa64dd24.txt b/chunks/txt/7d7349a4599b89b5ae1c6835e1f5b7e12b056ab8809115ef94db093dfa64dd24.txt new file mode 100644 index 0000000000000000000000000000000000000000..cf813f19f0f2b45d15ca9f2690d6613491e81f9f --- /dev/null +++ b/chunks/txt/7d7349a4599b89b5ae1c6835e1f5b7e12b056ab8809115ef94db093dfa64dd24.txt @@ -0,0 +1,45 @@ +Vehicle storage can be: + +• A driveway or shared driveway +• An attached or detached carport +• Part of a dwelling, such as a built in or attached garage +• +• A shared parking garage, common carport, or open lot in a condominium, cooperative, condop, or PUD (with or without assigned + +Its own outbuilding, such as a detached garage (sometimes also captured as an outbuilding) + +spaces) + +Appendix B-1: URAR Implementation Guide v1.3 + +The Vehicle Storage section always displays. Details must be provided about each type and instance of vehicle storage for the property. + +• When CarStorageType (UID: 3200.0006, FID: 13.000) = “None”, display “None”; the Vehicle Storage detail table and the Apparent + +Defects, Damages, Deficiencies subsection does not display. (Figure 13 - 1) + +Figure 13 - 1 + +Page 215 + +• When CarStorageType (UID: 3200.0006, FID: 13.001) <> None, display the Vehicle Storage detail table. Each instance of + +CarStorageType displays on a separate line of the table. (Figure 13 - 2) Refer to the UAD Specification enumerations tab (column +labeled “URAR Display Value”) for the details on display values. + +o Storage - CarStorageType is displayed. +o Number of Parking Spaces – See UAD Specification for details on how parking is captured and displayed for each car storage + +type. Special display characteristics are listed below. + +▪ When CarStorageType = "Driveway" OR "SharedDriveway" AND TenOrMoreParkingSpacesIndicator (UID: 3200.0011, + +FID: 13.002) + +− +− + +is “true”, display “10 or More”. +is “false”, display the ParkingSpacesCount (0 to 9). + +▪ When (CarStorageType = "Carport" OR "CommonCarport" OR "Garage" OR "OpenLot" OR "Other" OR diff --git a/chunks/txt/7d7b2e4289bb029585885170e15ddee93338466feb0a74273f31b9cf08e2e299.txt b/chunks/txt/7d7b2e4289bb029585885170e15ddee93338466feb0a74273f31b9cf08e2e299.txt new file mode 100644 index 0000000000000000000000000000000000000000..7031604e0e0428cfed9c5411f8f631b51997cafe --- /dev/null +++ b/chunks/txt/7d7b2e4289bb029585885170e15ddee93338466feb0a74273f31b9cf08e2e299.txt @@ -0,0 +1,15 @@ +The National Mortgage Database program is jointly funded and managed by the Federal Housing Finance Agency and the Bureau of Consumer Financial Protection Bureau. The program is designed to provide a rich source of information about the U.S. mortgage market. + +[View Program](/programs/nmdb) + +- ## Natural Disaster Risk + +The purpose of Federal Housing Finance Agency’s (FHFA) Natural Disaster Risk Committee is to ensure the Agency makes strategic and tactically sound decisions concerning the impacts of and response to the risks posed by climate change in a coordinated, collaborative, and informed manner in furtherance of FHFA’s mission. The goal of the Climate Risk Committee is to better understand the impact of climate change on the housing and mortgage markets, including the disparate impacts on disadvantaged communities, and facilitate the sharing of climate-related financial risk data and information. + +[View Program](/programs/natural-disaster-risk) + +- ## Neighborhood Stabilization Initiative (NSI) + +The Neighborhood Stabilization Initiative (NSI) was designed to stabilize neighborhoods hardest hit by the housing downturn. It was jointly developed by the Federal Housing Finance Agency (FHFA), Fannie Mae and Freddie Mac and includes strategies for disposing of the inventory of real estate owned (REO) properties held by Fannie Mae and Freddie Mac. Some particular markets have large concentrations of distressed and low-value REO properties as well as large volumes of loans that had been delinquent for more than one to two years that are likely to become REO. + +[View Program](/programs/neighborhood-stabilization-initiative) diff --git a/chunks/txt/7d92ec1f3a2464e764ccb89061ad263f05b00d71e54d9e9d46d50cfd02dcf56d.txt b/chunks/txt/7d92ec1f3a2464e764ccb89061ad263f05b00d71e54d9e9d46d50cfd02dcf56d.txt new file mode 100644 index 0000000000000000000000000000000000000000..acc5021673e1febf4ef08ff130ebd0b276a3fbc9 --- /dev/null +++ b/chunks/txt/7d92ec1f3a2464e764ccb89061ad263f05b00d71e54d9e9d46d50cfd02dcf56d.txt @@ -0,0 +1,39 @@ +Loan Servicing Data Utility (LSDU) 2.2 Release Notes + +June 12, 2019 + +Effective June 12, 2019, the Loan Servicing Data Utility (LSDU) 2.2 release will be implemented +to support new functions. LSDU is a suite of self-service tools providing servicers with accurate, +near real-time, loan-level data and data exceptions, allowing for continuous reconciliation of +Fannie Mae loans and cash positions, and offering operational efficiencies. The changes in this +release include: + +• Enabling users to view and download Rate and Payment history in Loan Data details +• Enabling users to drill down on the Delinquency Modification record and the Delinquency + +Modification Cancellation record in the Transaction History feature + +• Enabling users to download Principal and Interest (P&I) Loan Activity Report (LAR) details + +for prior periods in the Cash Position Search Results screen + +• Enabling users to download Cash Received details in the Cash Position Search Results + +screen +Incorporating Ask Poli™ in the application user interface + +• +• Updating the look and feel of the user interface + +Enabling Users To View And Download Rate And Payment History In Loan Data Details + +Following implementation of the release, users will be able to view current and historical rate +and payment information in a new Rate and Payment History section in the Loan Data details in +order to see the rates, amounts, and dates in one place. + +Enabling Users To Drill Down On The Delinquency Modification Record And The +Delinquency Modification Cancellation Record In The Transaction Hist ory Feature + +With this release, users will be able to drill down for more details on the Delinquency +Modification record and the Delinquency Modification Cancellation record in the Transaction +History feature. diff --git a/chunks/txt/7d9306032eb17762fe9b9ea64f16c990cb7892346f2dd62020b66a538c8d43e9.txt b/chunks/txt/7d9306032eb17762fe9b9ea64f16c990cb7892346f2dd62020b66a538c8d43e9.txt new file mode 100644 index 0000000000000000000000000000000000000000..440c2ff2e5a6e3dd908b6d740378718710a382e6 --- /dev/null +++ b/chunks/txt/7d9306032eb17762fe9b9ea64f16c990cb7892346f2dd62020b66a538c8d43e9.txt @@ -0,0 +1,9 @@ +**Flipping** – Flipping schemes involve obtaining a loan to purchase a property, having the property appraised soon afterward at an inflated value, then reselling the property and pocketing the proceeds from the inflated resale price. + +**Flopping**– Flopping schemes involve purchases of distressed properties at below market prices, for example, through short sales. Fraudsters may collude to stage the home to appear in poor condition or may provide false appraisals in support of the low sale price. The property is then resold at a higher price with a new appraisal. + +**Occupancy**– Occupancy fraud involves falsely stating the borrower’s intent to live in a property to obtain more favorable loan terms than a second or investment home. Occupancy fraud is also a common element of schemes in which the straw buyer has no true intent to occupy the underlying property. + +#### Multifamily Property Fraud (fraud committed by multifamily borrowers against a lender) + +**Multifamily Property Fraud** – Multifamily owners provide false information to financial institutions overstating the income of a multifamily property to induce financial institutions to issue loans for greater values than the financial institutions would have authorized had they been provided with truthful information. Owners of distressed multifamily real estate may commit fraud by manipulating the property’s appraised value using tools such as bogus leases to exaggerate the building’s profitability. By the time the resulting commercial loans are in default, the lender is often left with a dilapidated or difficult-to-rent property. Many of the methods of committing mortgage fraud single-family real estate transactions are also present in multifamily loan fraud. diff --git a/chunks/txt/7d9cda935eae749d0b81f38f58f62553cbe14b830591d1ff56eaa39a5be156a8.txt b/chunks/txt/7d9cda935eae749d0b81f38f58f62553cbe14b830591d1ff56eaa39a5be156a8.txt new file mode 100644 index 0000000000000000000000000000000000000000..edf4350820da5e65ad4b2e97289a503632ca2853 --- /dev/null +++ b/chunks/txt/7d9cda935eae749d0b81f38f58f62553cbe14b830591d1ff56eaa39a5be156a8.txt @@ -0,0 +1,92 @@ +Unit3--Number of Bedrooms +98=no non-owner-occupied dwelling units + +Unit4--Number of Bedrooms +98=no non-owner-occupied dwelling units + +Unit1--Affordable Category meets the housing goals implemented by HERA Section 1205 +1=yes; +2=no + +Unit2--Affordable Category meets the housing goals implemented by HERA Section 1205 +1=yes; +2=no + +Unit3--Affordable Category meets the housing goals implemented by HERA Section 1205 +1=yes; +2=no + +Page 2 of 5 + +Column + +45 Aff4 + +46 Rent1 + +47 Rent2 + +48 Rent3 + +49 Rent4 + +50 RentUt1 + +51 RentUt2 + +52 RentUt3 + +53 RentUt4 + +54 Geog + +55 Rate +56 Amount +57 Front +58 Back +59 BoCreditScor + +60 CoBoCreditScor + +61 PMI + +62 Self + +63 PropType + +64 ArmIndex + +65 ArmMarg + +66 PrepayP + +AMA_PUDB_definitions_2016 + +Definition +Unit4--Affordable Category meets the housing goals implemented by HERA Section 1205 +1=yes; +2=no + +Unit1-- Reported Rent Level in whole dollars +9999999999=no non-owner-occupied dwelling units + +Unit2-- Reported Rent Level in whole dollars +9999999999=no non-owner-occupied dwelling units + +Unit3-- Reported Rent Level in whole dollars +9999999999=no non-owner-occupied dwelling units + +Unit4-- Reported Rent Level in whole dollars +9999999999=no non-owner-occupied dwelling units + +Unit1--Reported Rent Plus Utilities in whole dollars +9999999999=no non-owner-occupied dwelling units + +Unit2--Reported Rent Plus Utilities in whole dollars +9999999999=no non-owner-occupied dwelling units + +Unit3--Reported Rent Plus Utilities in whole dollars +9999999999=no non-owner-occupied dwelling units + +Unit4--Reported Rent Plus Utilities in whole dollars +9999999999=no non-owner-occupied dwelling units diff --git a/chunks/txt/7da3ebec25f512825c2e502b2812fc2999709110f8b42d0469654e984190ebc9.txt b/chunks/txt/7da3ebec25f512825c2e502b2812fc2999709110f8b42d0469654e984190ebc9.txt new file mode 100644 index 0000000000000000000000000000000000000000..caabae53161d645e4cf86949d56bb082f1da4ce8 --- /dev/null +++ b/chunks/txt/7da3ebec25f512825c2e502b2812fc2999709110f8b42d0469654e984190ebc9.txt @@ -0,0 +1,32 @@ +When a hybrid appraisal report is submitted through the UCDP, the appraisal will be scored by Collateral Underwriter (CU). All +eligible loans with a hybrid appraisal that receive a CU risk score of 2.5 or less are eligible for enforcement relief of certain +representations and warranties related to the appraisal and value of the subject property (see Selling Guide A2-2-06, +Representations and Warranties on Property Value, for complete requirements and additional information). + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 62 of 166 + +UAD 3.6 Policy + +SB4-1.2-04, Age of Appraisal and Restricted Appraisal Update Report +Requirements (06/04/2025) + +Introduction + +This topic contains information about the following: + +• Age of Appraisal and Restricted Appraisal Update Report Requirements +• Multiple Appraisals of the Subject Property +• Use of an Appraisal for a Subsequent Transaction + +Age of Appraisal and Restricted Appraisal Update Report Requirements + +When an appraisal is obtained, the effective date of the appraisal must be no more than 12 months from the date of the note and +mortgage. This policy applies regardless of whether the property was appraised as proposed or existing construction. + +When the effective date of the original appraisal report is more than four months but less than 12 months from the date of the +note and mortgage, the lender must obtain an appraisal update performed by the appraiser that includes inspecting the exterior +of the property and reviewing current market data to determine whether the property has declined in value since the date of the +original appraisal report. The inspection and result of the appraisal update must be reported on the Restricted Appraisal Update +Report with an effective date within four months prior to the date of the note and mortgage. diff --git a/chunks/txt/7daaa2eb8d1f1b13f6527a3c1f6341bccdb0fad342e68c9111408d1fd5c0fef8.txt b/chunks/txt/7daaa2eb8d1f1b13f6527a3c1f6341bccdb0fad342e68c9111408d1fd5c0fef8.txt new file mode 100644 index 0000000000000000000000000000000000000000..dd2839dcff00757e2e0dd1c1b7fb9375d31f390a --- /dev/null +++ b/chunks/txt/7daaa2eb8d1f1b13f6527a3c1f6341bccdb0fad342e68c9111408d1fd5c0fef8.txt @@ -0,0 +1,20 @@ +--- +title: "Uniform Appraisal Dataset | Fannie Mae" +source_url: "https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset" +date_accessed: "2026-01-27T17:46:10.564Z" +selector: ".layout.masthead-custom.js-layout-exists.rag-highlight-border" +parent_folder: "APPRAISAL_DATASET" +capture_name: "Uniform_Appraisal_Dataset___Fannie_Mae3" +--- + +## []()Announcements + +### + +Available Now in Broad Production: UAD 3.6 and Forms Redesign: Jan. 26, 2026 + +The Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign Broad Production Period begins today, January 26, 2026. All lenders are now permitted to submit UAD 3.6 appraisal reports to the Uniform Collateral Data Portal® (UCDP® ). + +Submission of UAD 3.6 appraisal reports is not yet mandatory; however, lenders that have updated their systems and processes to support UAD 3.6 appraisal reports – including working with an[appraisal software provider](/integrated-vendor-list) whose software has been verified for UAD 3.6 – are encouraged to begin integrating appraisal reports that use UAD 3.6 into their workflow. Gradually integrating UAD 3.6 appraisal reports will help lenders prepare for a full transition by November 2, 2026 mandate, when all appraisal reports on loans sold to Freddie Mac or Fannie Mae must use UAD 3.6. + +To learn more about the UAD 3.6 and Forms Redesign, visit the[Fannie Mae](/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) and [Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad) and UAD webpages. If you have questions, please contact your GSE representative. diff --git a/chunks/txt/7db49fd67db6f96d751ea99080b6aff57643ea38f544fe89fe7894fffba99761.txt b/chunks/txt/7db49fd67db6f96d751ea99080b6aff57643ea38f544fe89fe7894fffba99761.txt new file mode 100644 index 0000000000000000000000000000000000000000..0ce8611e651729d41ae7b2fef79c5ba92e6dc8b3 --- /dev/null +++ b/chunks/txt/7db49fd67db6f96d751ea99080b6aff57643ea38f544fe89fe7894fffba99761.txt @@ -0,0 +1,69 @@ +Use this field to pass the TOTAL DEDUCTIONS (Federal, State, +Retirement/Social Security, and/or Other) from Monthly +Income and Deductions Section of the VA Loan Analysis +Worksheet. + +Note: Submit total amount for federal, state, local, and social +security taxes + +20.0002 + +FHALoanLenderIdentifier + +Conditionality updated from ( R ) Required to ( C ) Conditional + +12.0007 + +RefinanceImprovementsType + +Conditionality updated from ( C ) Conditional to ( O ) Optional + +© 2021 Fannie Mae 08.20.21 + +5 of 6 + +Unique ID + +MISMO v3.4 Data Point Name + +Update(s) + +10.0070 + +LicenseAuthorityLevelType + +Conditionality updated from ( O ) Optional to ( C ) Conditional + +Conditionality Statement for FHA and VA (G) updated: IF +MortgageType = "FHA" AND PartyRoleType = +"LoanOriginationCompany" + +DU User Interface (UI) – New URL Integration Test Environment +Use the new URL to launch the DU UI to import and submit loans using the DU MISMO 3.4 file in the Integration environment. + +DU User Interface (UI) - New URL + +Environment + +Available + +Action + +https://accessdodu.acptfanniemae.com/ + +Integration (TEST) + +July 1, 2021 + +Update your Bookmark and start +using the new site + +The current DU UI URL +https://glass.acptfanniemae.com/ +will be retired in Q4 2021. + +Release Support +Updated Aug. 20, 2021: As required by the Integration Agreement, integrated vendors’ systems must be able to support any +changes to Fannie Mae Services, including DU, no later than 120 days after the date the related Specifications are made available. +If your product or interface is unable to support the release in accordance with this timeline, please notify your Fannie Mae +representative. diff --git a/chunks/txt/7dcaaa8f8f38c594e2a73f4b12eb342daef54705d9cc113d5c8a3f034e6fc62e.txt b/chunks/txt/7dcaaa8f8f38c594e2a73f4b12eb342daef54705d9cc113d5c8a3f034e6fc62e.txt new file mode 100644 index 0000000000000000000000000000000000000000..18344bb841c079f83ccb7e0537dfc33303b2232e --- /dev/null +++ b/chunks/txt/7dcaaa8f8f38c594e2a73f4b12eb342daef54705d9cc113d5c8a3f034e6fc62e.txt @@ -0,0 +1,97 @@ +For properties with more than one unit, Interior Quality and Condition ratings display for each unit. + +Report +Field ID + +15.003 +15.008 + +Interior Quality and Condition – for each Unit that is not an ADU + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +N/A + +Displays if Units +Excluding ADUs is +more than 1 + +Free-form + +If applicable, Unit Identifier (10.002) populates from each Unit Interior section. + +15.004 + +Interior Quality Always displays + +Q1 to Q6 + +Interior Quality Rating (10.034) populates from each Unit Interior section if the +unit is not an ADU. + +15.009 + +Interior +Condition + +Always displays + +C1 to C6 + +Interior Condition Rating (10.035) populates from each Unit Interior section if +the unit is not an ADU. + +Note: Reflects the condition as if any required repairs, inspections, or +completions have been satisfactorily completed. + +Reconciliation of Overall Quality and Condition + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +15.010 Reconciliation of + +Always required + +Free-form + +Additional commentary specific to the Overall Quality and Condition section. + +Reconciliation of Overall Quality and Condition + +Overall Quality +and Condition + +Appendix F-1: URAR Reference Guide + +Page 174 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +16 Highest and Best Use + +16 Highest and Best Use + +The Highest and Best Use section focuses on answering the four tests of highest and best use and identifying if +the present or proposed use is the highest and best use. When the agreed upon scope of work for a given +appraisal assignment specifies adherence to published guidelines by the GSEs or other identified secondary +market participants, refer to that entity’s policies on identification of highest and best use prior to making a +determination to ensure compliance with those guidelines. diff --git a/chunks/txt/7dcb60cbfc8d3c7d2562a2de5158224f11911dac0abe2ca37d541640536bd46a.txt b/chunks/txt/7dcb60cbfc8d3c7d2562a2de5158224f11911dac0abe2ca37d541640536bd46a.txt new file mode 100644 index 0000000000000000000000000000000000000000..31ea8e40ee28ef7c8e79b1020425e6c5a59f9068 --- /dev/null +++ b/chunks/txt/7dcb60cbfc8d3c7d2562a2de5158224f11911dac0abe2ca37d541640536bd46a.txt @@ -0,0 +1,149 @@ +/VALUATION_RESPONSE/REPORT/@Appra +iserFileIdentifier + +/VALUATION_RESPONSE/REPORT/@Appra +iserAdditionalFileIdentifierName + +4a + +HEADER + +BLANK + +Appraiser Additional +File Identifier + +Used to indicate by name the type of +identifier represented by +AppraisersAdditionalFileIdentifier. + +/VALUATION_RESPONSE/REPORT/@Appra +iserAdditionalFileIdentifier + +50 + +50 + +50 + +50 + +String + +String + +String + +7 + +1 + +6 + +SUBJECT + +Property Address + +Property Street +Address + +The unstructured (Unparsed) street +address of the subject property (e.g., +123 Main Street). + +/VALUATION_RESPONSE/PROPERTY/@_St +reetAddress + +60 + +String + +8 + +9 + +1 + +1 + +10 + +1 + +7 + +8 + +9 + +SUBJECT + +City + +Property City + +The city in which the subject property +is located. + +/VALUATION_RESPONSE/PROPERTY/@_C +ity + +40 + +String + +SUBJECT + +State + +Property State + +The state in which the subject +property is located. + +/VALUATION_RESPONSE/PROPERTY/@_St +ate + +2 + +String + +SUBJECT + +Zip Code + +Property Postal Code + +The postal code (zip code in the US) +of the subject property. Zip code may +be either 5 or 9 digits. + +/VALUATION_RESPONSE/PROPERTY/@_P +ostalCode + +10 + +String + +The allowable values are listed below. When representing these values in the +XML file, they must be shown exactly as they appear below: + +Allowable Values: +FNM1004 +FNM1073 +FNM1075 +FNM2055 + +Note: the values shown above are Fannie Mae form numbers. The comparable +forms are: +Fannie Mae 1004/ Freddie Mac 70 +Fannie Mae 2055/ Freddie Mac 2055 +Fannie Mae 1073/ Freddie Mac 465 +Fannie Mae 1075/ Freddie Mac 466 + +All addenda must be included in a single embedded file. The embedded file +must be in Portable Document Format (.pdf) with Base64 encoding. +This field occurs on every page of the form and must be consistent. The +placement of the header on the form varies from vendor to vendor. The print +reference placement on Appendix C is not required and is for illustrative +purposes only. diff --git a/chunks/txt/7dd41f5bf89f9d11416b2582917e5cbcd2b4900d5ef169fff0b93314ed442d9e.txt b/chunks/txt/7dd41f5bf89f9d11416b2582917e5cbcd2b4900d5ef169fff0b93314ed442d9e.txt new file mode 100644 index 0000000000000000000000000000000000000000..8565005dc178d93336b92634e51f8908ee8ec862 --- /dev/null +++ b/chunks/txt/7dd41f5bf89f9d11416b2582917e5cbcd2b4900d5ef169fff0b93314ed442d9e.txt @@ -0,0 +1,79 @@ +Includes 6.1.2 $4,694.05 in Loan Costs + 6.1.3 $5,018.05 in Other +Costs – 6.1.4 $0 in Lender Credits. See page 2 for details. + +6.2 Cash to Close + +6.2.1$14,147.26 + +Includes Closing Costs. See Calculating Cash to Close on page 3 for +details. + +6. 2. 1 PURCHASE TRANSACTI ON + +Figure 73. Cash to Close + +The Cash to Close amount is delivered either in CashFromBorrowerAtClosingAmount or CashTo +BorrowerAtClosingAmount. If the total for Section K (11.0.1) on the Summaries of Transactions table equals the +total amount for Section L (12.0.1), neither of these data points should be delivered. + +Table 91. Cash to Close for a Purchase Transaction – Cash from Borrower + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 +Data Point + +MISMO v3.3.0 +Value + +Notes + +6.2.1 + +Cash to Close ($) + +…/CLOSING_INFO +RMATION_DETAIL + +CashFromBorrowe +rAtClosingAmount + +14147.26 + +ROF as $14,147.27 + +6. 2. 2 NON-SELLER TRANSACTI ON + +The following figure illustrates row 6.2 Cash to Close for a non-seller transaction where cash is due to the +borrower(s). Notice the different form representation includes checkboxes (6.2.2) to indicate whether 6.2.1 +Cash to Close amount is From or To the Borrower . + +Costs at Closing + +6.0 + +Appendix E: UCD Implementation Guide + +Page 106 of 254 + +Version 1.4 + +Uniform Closing Dataset + +6.0 Costs at Closing + +6.1 Closing Costs + +6.1.1$9,712.10 + +Includes 6.1.2 $4,694.05 in Loan Costs + 6.1.3 $5,018.05 in Other +Costs – 6.1.4 $0 in Lender Credits. See page 2 for details. + +6.2 Cash to Close + +6.2.1$14,147.26 diff --git a/chunks/txt/7df5b2d2b0ffb736fc7ea23de6918b455a15dd7b2e544f03bfbe571c57f933b1.txt b/chunks/txt/7df5b2d2b0ffb736fc7ea23de6918b455a15dd7b2e544f03bfbe571c57f933b1.txt new file mode 100644 index 0000000000000000000000000000000000000000..4b515bfa0c8546d49454853e88d18073c69eb710 --- /dev/null +++ b/chunks/txt/7df5b2d2b0ffb736fc7ea23de6918b455a15dd7b2e544f03bfbe571c57f933b1.txt @@ -0,0 +1,75 @@ +14-16 as Seller Data is no longer required or supported. + +December 11, 2018 + +1.6 + +• Removed references in sections 5.6.3 – 5.6.5 and Section 18.2.1 and + +18.3.1. + +• Edited Section D to accommodate seller data requirements. + +June 06, 2017 + +1.5 + +Updated the following calculations: 9.1.1, 10.8.2, 18.2, 18.3 and 18.6. + +March 29, 2016 + +November 17, 2015 + +February 24, 2015 + +July 15, 2014 + +1.4 + +1.3 + +1.2 + +1.1 + +Combined Purchase and Refinance forms into one document and +integrated End Notes + +• Added numbering for 15.8 and 15.8.1 +• End Notes – updated cross references for 9.2.2 and 11.3.1 + +• Corrected statements in 4.2.2 and 4.3.1 +• Corrected label in 20.1 +• Removed Loan Acceptance statement in 22.1 + +Added XPaths to End Notes for form values that have multiple MISMO +mappings. + +March 11, 2014 + +1.0 + +Initial version + +Uniform Closing Dataset v2.0 + +Numbered Closing Disclosures + +I. + +Introduction + +A. Background + +To support the Uniform Closing Dataset (UCD), Freddie Mac and Fannie Mae (the GSEs) numbered sample Model and Alternate +Closing Disclosures (CDs) with red “Form Field IDs” superimposed by each field. The Form Field IDs are cross-referenced to the +UCD v2.0 data points supporting them. The numbered CD Model Form is based on Integrated Mortgage Closing Disclosure +Regulation1 (TRID) Exhibit H-25(A) Mortgage Loan Transaction Closing Disclosure – Model Form. The numbered CD +Alternate Form is based on TRID Exhibit H-25(E) Mortgage Loan Transaction Closing Disclosure – Refinance Transaction +Sample. + +B. Text Color Legend + +Black: CD headings and field labels based on TRID Exhibits H-25(A) and H-25(E). +Red: Form field IDs. +Blue: Completed fields or notes to aid in mapping to the supporting UCD v2.0 data. diff --git a/chunks/txt/7e1526e966adfcfb776545ba922d53ee2b2354069ce640c74afe2c7ac7bcfd9c.txt b/chunks/txt/7e1526e966adfcfb776545ba922d53ee2b2354069ce640c74afe2c7ac7bcfd9c.txt new file mode 100644 index 0000000000000000000000000000000000000000..ab114a2e6640b5de66498aed567b171f12cd8340 --- /dev/null +++ b/chunks/txt/7e1526e966adfcfb776545ba922d53ee2b2354069ce640c74afe2c7ac7bcfd9c.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/about/fhfa-policies" +date_accessed: "2026-01-27T17:47:56.768Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/7e17d6787415148308778f0e18004ada4e8f63abe251b945c768cfff40703307.txt b/chunks/txt/7e17d6787415148308778f0e18004ada4e8f63abe251b945c768cfff40703307.txt new file mode 100644 index 0000000000000000000000000000000000000000..50eaf9ac963e17b9f0f40f2dce81191325699b7c --- /dev/null +++ b/chunks/txt/7e17d6787415148308778f0e18004ada4e8f63abe251b945c768cfff40703307.txt @@ -0,0 +1,35 @@ +Figure. 4 Establishing a Root element - Dialog Box in Altova XMLSpy ® + +After indicating the root element, the editor should render an XML page where the Loan Application +Submission file can be constructed step by step by adding the data points from the DU Spec. For more +information on creating XML schema-based files, please refer to the W3 XML Tutorial on the +http://www.w3schools.com website. + +Schema Validation +When a DU customer submits a Loan Application Submission file to DU, an XML interrogation process +performs a series of steps to ensure the file is both well-formed and valid with respect to the MISMO +schema, the ULAD extension schema and the DU extension schema. The validation is used to determine +compliance against MISMO specifications set forth in the MISMO Engineering Guidelines (MEGs), for +example, containers must follow the hierarchical order established in the schema, containers must be in +capital letters, etc. Please refer to the MISMO Engineering Guidelines for a complete list. + +DU Spec Implementation Guide + +Fannie Mae Proprietary & Confidential + +17 + +A validation process will take place on a Loan Application Submission file after DU has determined it to +be both well-formed XML and schema compliant. The validation process will then determine if the file is +compliant to the DU Specifications and business rules. For more details, see the “DU Error Codes” +available on the Technology Integration page for DU. + +What are the schema files that DU requires for a DU Spec loan file submission? + +DU requires the MISMO v3.4 Schema and other schema files to support a DU Spec Loan Application +Submission file. The MISMO v3.4 Schema is part of a set of files under the MISMO v3.4 Reference +model. The other schema files are extensions to support the DU Spec. These extension files are the +ULAD Schema Extension and the DU Schema V3_4 Extension. The ULAD Schema Extension and the +DU Schema V3_4 Extension are both instantiated in the DU Wrapper 3.4.0_B324 Schema. The DU +Wrapper Schema also validates that each Extension container is correctly placed in the Loan Application +Submission file. diff --git a/chunks/txt/7e1bf30fc95c96d43317f73ba5f3b75431a10f6145f0c8b150e5ab40ed6f28a9.txt b/chunks/txt/7e1bf30fc95c96d43317f73ba5f3b75431a10f6145f0c8b150e5ab40ed6f28a9.txt new file mode 100644 index 0000000000000000000000000000000000000000..d9d8232291776c9739f46d53bcbd40eed5780b5d --- /dev/null +++ b/chunks/txt/7e1bf30fc95c96d43317f73ba5f3b75431a10f6145f0c8b150e5ab40ed6f28a9.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/mortgage-translations/borrower-education-materials" +date_accessed: "2026-01-27T17:48:05.334Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/7e2a1fa376fbfba3787a5afd07fa372f104d4fbca38084540ed1ff16fdd9f596.txt b/chunks/txt/7e2a1fa376fbfba3787a5afd07fa372f104d4fbca38084540ed1ff16fdd9f596.txt new file mode 100644 index 0000000000000000000000000000000000000000..78c17e781559993dedae6c73eab63e550bc67d7d --- /dev/null +++ b/chunks/txt/7e2a1fa376fbfba3787a5afd07fa372f104d4fbca38084540ed1ff16fdd9f596.txt @@ -0,0 +1,200 @@ +One and only one of fields 2-27, 2-28 +(values of Project Analysis Special +Characteristics Indicator) should be +indicated. + +One and only one of fields 2-27, 2-28 +(values of Project Analysis Special +Characteristics Indicator) should be +indicated. + +If field 2-27 (Project Analysis Special +Characteristics Indicator = 'Y') is +indicated this field should be +populated. + +Either field 2-33 (Unit Charge No +Utilities Included In Assessment +Indicator = 'Y') or at least one of fields +2-34, 2-35, 2-36, 2-37, 2-38, 2-39, 2- +40, 2-41 should be indicated. + +Either field 2-33 or, at least one of +fields 2-34, 2-35, 2-36, 2-37, 2-38, 2- +39, 2-40, 2-41 (Unit Charge Utility +Included In Assessment Indicator = 'Y' +and values of Unit Charge Utility Type) +should be indicated. + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 98 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D + +237 + +2 + +35 + +UNIT +DESCRIPTION + +Utilities included in the unit +monthly assessment +Air Conditioning + +238 + +2 + +36 + +UNIT +DESCRIPTION + +Utilities included in the unit +monthly assessment +Electricity + +239 + +2 + +37 + +UNIT +DESCRIPTION + +Utilities included in the unit +monthly assessment +Gas + +240 + +2 + +38 + +UNIT +DESCRIPTION diff --git a/chunks/txt/7e2d5d93cf07bd6304ec6348a3d8378df123268677906b20848fe1c0910b51ce.txt b/chunks/txt/7e2d5d93cf07bd6304ec6348a3d8378df123268677906b20848fe1c0910b51ce.txt new file mode 100644 index 0000000000000000000000000000000000000000..cb6cbde4736ef334116bd3ea92c5b5f3d36b45b6 --- /dev/null +++ b/chunks/txt/7e2d5d93cf07bd6304ec6348a3d8378df123268677906b20848fe1c0910b51ce.txt @@ -0,0 +1,60 @@ +2. Single-Family Data Field 29: Term of +Mortgage at Origination + +Data field 29, released in National File + +C, designates the term of the high-cost +securitized loan at origination, which +will be released using the following +values: 1 = 30-year; 2 = 15-year; 3 = +Other terms; 9 = Missing. + +3. Single-Family Data Field 30: +Amortization Term + +Data field 30, released in National File + +C, designates the amortization term of +the high-cost securitized loan, which +will be released using the following +values: 1 = 30-year; 2 = 15-year; 3 = +Other terms including non-amortizing +loans; 9 = Missing. + +4. Single-Family Data Field 62: Interest +Rate at Origination + +New data field 62, released in + +National File C, designates the contract +interest rate of the high-cost securitized +loan at origination, which will be +released as ranges using the following +values: 1 = less than 4.00%; 2 = 4.00– +<4.50%; 3 = 4.50–<5.00%; 4 = 5.00– +<5.50%; 5 = 5.50–<6.00%; 6 = 6.00– +<6.50%; 7 = 6.50–<7.00%; 8 = 7.00– +<7.50%; 9 = 7.50–< 8.00%; 10 = 8.00% +or greater; 99 = Missing. The Enterprises +collect and report the note’s original +interest rate. + +D. Creditworthiness of the Borrower— +Single-Family Data Field 60: Credit +Score + +Section 1324(b)(6)(D), in conjunction + +with section 1326(d)(2), references +‘‘creditworthiness of the borrower’’ as a +loan characteristic required to be +publicly disclosed with respect to the +high-cost securitized loan. FHFA +believes that borrower credit score best +captures the concept of creditworthiness +of the borrower, as the common +regulatory and industry definitions of +creditworthiness gravitate towards the +use of proprietary credit scores +computed by credit reporting +companies. diff --git a/chunks/txt/7e36c8aab5b0716744ccbe456ede43eb05de929de7bcda4883d192f4ae751285.txt b/chunks/txt/7e36c8aab5b0716744ccbe456ede43eb05de929de7bcda4883d192f4ae751285.txt new file mode 100644 index 0000000000000000000000000000000000000000..c5880ae7bac1fa6414c28cef0d1d22008f7362ae --- /dev/null +++ b/chunks/txt/7e36c8aab5b0716744ccbe456ede43eb05de929de7bcda4883d192f4ae751285.txt @@ -0,0 +1,197 @@ +This field should be populated if field 6- +44 (Appraisal Inspection Property Type += ‘Comparable’ and Appraisal +Inspection Typ= 'ExteriorOnly') is +indicated. + +T + +T + +T + +T + +T + +T + +R + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +R + +T + +T + +T + +T + +R + +T + +T + +T + +T + +T + +T + +R + +T + +T + +T + +T + +R + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 126 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D + +546 + +N/A + +N/A + +N/A + +N/A + +AppraisalReportCo +ntentIsPrimaryFor +mIndicator + +Indicates whether appraisal form is the +primary form in the report. + +/VALUATION_RESPONSE/REPORT/FORM/@AppraisalReportContentIsPrima +ryFormIndicator + +1 + +Boolean + +UAD Requirement - Refer to "Desktop & Hybrid Reference Tab" worksheet in +Appendix B + +The “AppraisalReportContentIsPrimaryFormIndicator” is a “Y”/ “N” indicator which +can be repeated for multiple instances but should only have one value of “Y” in the +XML. When “Y” is indicated, the forms vendor must allow for enumerated values for +the data point “AppraisalReportContentName”. + +T + +R + +R + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 127 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description diff --git a/chunks/txt/7e3e4622a157c4e57b2a0728c25d24f8bde028b365af7ca7bf9777ec236bf198.txt b/chunks/txt/7e3e4622a157c4e57b2a0728c25d24f8bde028b365af7ca7bf9777ec236bf198.txt new file mode 100644 index 0000000000000000000000000000000000000000..b6738ae74d1abe3e18b74bea3c326254fef45182 --- /dev/null +++ b/chunks/txt/7e3e4622a157c4e57b2a0728c25d24f8bde028b365af7ca7bf9777ec236bf198.txt @@ -0,0 +1,153 @@ +Borrowers + +Current Address + +SSN (or ITIN) + +Credit Scores + +John Homeowner Mary +Homeowner + +Andy America Amy America + +Patrick Purchaser Lorraine +Purchaser + +Suzi Builder + +Alice Firstimer + +Penny Public + +Dad Firstimer Mom Firstimer + +175 13th Street +Washington, DC 20013 + +4321 Cul de Sac Street +Someplace, MA 02723 + +1234 Main Street +Baltimore, MD 20600 + +5404 Pawnee Trail +Louisville, KY 40207 + +9991 Warford Street +Dawson, IA 50066 + +2935 Augusta #3 +San Luis Obispo, CA 93401 + +888 Willis Avenue +Dawson, IA 50060 + +999-40-5000 +500-22-2000 + +999-60-3333 +500-60-2222 + +999-12-1234 +999-56-5678 + +999-60-6666 + +760, 779, 785 +783, 768, 771 + +724, 740, 742 +750, 739, 728 + +670, 661, 675 +678, 670, 663 + +630, 625, 619 + +991-91-9991 + +715, 710, 703 + +999-60-3000 + +670, 640, 650 + +999-00-8881 +999-00-8882 + +660, 685, 672 +674, 680, 695 + +© 2017 Fannie Mae. Trademarks of Fannie Mae. + +November 20, 201711.13.2017 + +1 of 3 + +Borrowers + +Current Address + +SSN (or ITIN) + +Credit Scores + +Ross Blemished + +Wanna House Needa House + +Elizabeth Spender + +Ken Customer + +Homer Loanseeker + +Mort Gage Ann Gage + +Sonny Graves + +Loco Motion + +Pitt Rock, Jr. + +Jess T. Sea Ann T. Sea + +Ron Tintin + +Lucky Knowscore + +Ima One + +309 North Elm Street +Orrville, OH 44667 + +98 Lincoln Street +Jefferson, TX 65433 + +7054 Canaan Center Road +Wooster, OH 44691 + +10655 Birch Street +Burbank, CA 91502 + +4420 Douglas Avenue East +Higley, AZ 85236 + +123 Rocky Road +Pasadena, CA 91115 + +00357 Monument Road +San Jose, CA 95130 + +00345 Yankee Point Road +San Jose, CA 95129 + +1456 Peach Tree Lane +Atlanta, GA 30303 + +7344 Deepinthe Heart Ave. +El Paso, TX 80935 + +6 Circle Golf Course +Pinehurst, NC 28374 diff --git a/chunks/txt/7e492096a5aee782e22ba9cc2f2dede4470aee4c5ba7bf531cbcf8f7bcdd090f.txt b/chunks/txt/7e492096a5aee782e22ba9cc2f2dede4470aee4c5ba7bf531cbcf8f7bcdd090f.txt new file mode 100644 index 0000000000000000000000000000000000000000..604eb579d0540fdb9828f1b20eed40ae6ac63c9b --- /dev/null +++ b/chunks/txt/7e492096a5aee782e22ba9cc2f2dede4470aee4c5ba7bf531cbcf8f7bcdd090f.txt @@ -0,0 +1,19 @@ +![Figure 1: Distribution of 2022 Acquisitions by the Enterprises and FHLBanks by Hurricane Risk](/sites/default/files/2024-09/Figure-1-Distribution-of-2022-Acquisitions-by-the-Enterprises-and-FHLBanks-by-Hurricane-Risk.png) + +*Figure 1: Distribution of 2022 Acquisitions by the Enterprises and FHLBanks by Hurricane Risk* + +## **Hurricane Beryl** + +Hurricane Beryl was the first hurricane to make landfall in the United States in 2024. Hurricane Beryl landed near Matagorda, Texas at 4:00am on July 8 as a Category 1 hurricane.[[9]](#_ftn9) On July 9, a presidential disaster declaration was issued for Texas. All areas in the state are eligible for assistance under FEMA’s hazard mitigation grant program. Figure 2 shows counties eligible for individual or public assistance. There are 17 counties eligible for individual assistance (listed in red): Brazoria, Chambers, Fort Bend, Galveston, Harris, Jackson, Jasper, Jefferson, Liberty, Matagorda, Montgomery, Nacogdoches, Orange, Polk, San Jacinto, Walker, and Wharton counties. + +![Figure 2: Texas Disaster Declaration for Hurricane Beryl](/sites/default/files/2024-09/Figure-2-Texas-Disaster-Declaration-for-Hurricane-Beryl.png) + +*Figure 2: Texas Disaster Declaration for Hurricane Beryl* + +Source: [https://gis.fema.gov/maps/dec_4798.pdf](https://gis.fema.gov/maps/dec_4798.pdf) + +![Figure 3: Distribution of Hurricane Risk for Acquired UPB in Texas](/sites/default/files/2024-09/Figure-3-Distribution-of-Hurricane-Risk-for-Acquired-UPB-in-Texas.png) + +Figure 3: Distribution of Hurricane Risk for Acquired UPB in Texas + +![Figure 4: Distribution of Hurricane Risk for Acquired UPB in Texas in Counties Eligible for Individual Assistance](/sites/default/files/2024-09/Figure-4-Distribution-of-Hurricane-Risk-for-Acquired-UPB-in-Texas-in-Counties-Eligible-for-Individual-Assistance.png) diff --git a/chunks/txt/7e4c18f8d87b6c19d271a8ead1fdccac6f0ef31076b869a91f487918e33d53ac.txt b/chunks/txt/7e4c18f8d87b6c19d271a8ead1fdccac6f0ef31076b869a91f487918e33d53ac.txt new file mode 100644 index 0000000000000000000000000000000000000000..214b13bd9a8c192629e6291bb50b442bce1d14b5 --- /dev/null +++ b/chunks/txt/7e4c18f8d87b6c19d271a8ead1fdccac6f0ef31076b869a91f487918e33d53ac.txt @@ -0,0 +1,27 @@ +​Links to the most recent NPL and RPL Sales Requirements Fact Sheet and NPL Sales Reports can be found at: + +- [Fact Sheet​](/sites/default/files/2024-01/NPL-RPL-Fact-Sheet-June2023.pdf) (6/22/2023)- [Fact Sheet​](/sites/default/files/2024-01/NPL-RPL_FACT-SHEET-May2021.pdf) (5/27/2021) +- [Reports](/reports/enterprise-non-performing-loan-sales-report) +​Read more about [Fannie Mae​](https://capitalmarkets.fanniemae.com/whole-loan-sales) and [Freddie Mac​​](http://www.freddiemac.com/seasonedloanofferings/) NPL and RPL sales. ​ + +*Date last updated: June 18, 2024* + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) diff --git a/chunks/txt/7e5f27db0a9eadb4c6dcc5995c3dac0b56c1c1fb59f4fe2e0e800e264106e102.txt b/chunks/txt/7e5f27db0a9eadb4c6dcc5995c3dac0b56c1c1fb59f4fe2e0e800e264106e102.txt new file mode 100644 index 0000000000000000000000000000000000000000..9249c7bd0c85a61371b5e780cbc721a4de1d8833 --- /dev/null +++ b/chunks/txt/7e5f27db0a9eadb4c6dcc5995c3dac0b56c1c1fb59f4fe2e0e800e264106e102.txt @@ -0,0 +1,261 @@ +Other + +Entire Exterior + +None + +\\Images\MH1_ExteriorTrimDDD.png + +image/png + +None + +0 + +Detached + +1 + +true + +1 + +false + +true + +C1 + +Q4 + +false + +true + +FeeSimple + +false + +false + +false + +false + +true + +true + +Board Fencing around entire property to the barn. + +true + +true + +Agricultural + +TraditionalAppraisal + +false + +MineralRights + +false + +false + +None + +true + +true + +true + +true + +true + +Gravel + +Rural + +true + +PublicStreet + +true + +false + +false + +Topography + +Neutral + +Flat + +The water frontage has a beneficial value impact. + +Lake Virginia + +Onsite + +Lake + +true + +ShallowWater + +Permitted + +Dock + +Pier + +BodyOfWater + +Beneficial + +40 + +Although the subject dwelling is outside the fall distance, the land is still unable to be developed and the power lines are noisy. + +Onsite + +OverheadElectricPowerTransmissionLine + +Adverse + +5 + +2 + +false + +Public water is available at the street. Local water company charges $2,500 to install the meter. Public water is typical to market. + +NonPublic + +Water + +Adverse + +false + +Well + +Septic is typical to the market. + +NonPublic + +SanitarySewer + +Neutral + +Septic + +false + +Propane is typical to the market. + +NonPublic + +Gas + +Neutral + +false + +Public + +Electricity + +Beneficial + +true + +Full + +Lake + +Neutral + +false + +Partial + +Woods + +Adverse + +false + +Seasonal + +Other + +High Voltage Power Lines + +No Zoning typical to County + +NoZoning + +98761 State Rd 3 + +Anywhere City + +20141 + +VA + +Driveway + +Gravel + +5 + +false + +35000 + +PropertyOwnershipTransferTerms + +0 + +SalesConcessions + +5000 + +ContractDate + +0 + +SaleDate + +30000 + +SiteSize + +0 + +HazardZone + +-5000 + +SiteInfluence + +0 + +ApparentEnvironmentalCondition + +-3000 + +View + +30000 + +WaterFrontage + +10000 diff --git a/chunks/txt/7e6393b30f2705cf741c46b45ecbbd6a145175702ce142755c947e3f3b0d426f.txt b/chunks/txt/7e6393b30f2705cf741c46b45ecbbd6a145175702ce142755c947e3f3b0d426f.txt new file mode 100644 index 0000000000000000000000000000000000000000..142402ea23f154452501ec1332b61c7d2ac63e48 --- /dev/null +++ b/chunks/txt/7e6393b30f2705cf741c46b45ecbbd6a145175702ce142755c947e3f3b0d426f.txt @@ -0,0 +1,99 @@ +4. 5. 2 DOES THE LOAN HAVE T HESE FEATURES? + +If the loan does not have a balloon payment it is reflected on the form as illustrated in the figure below, based +on the data point shown in the following excerpt. + +a. NO—LOAN DOES NOT HAVE A BALLOON PAYMENT + +If the loan does not have a balloon payment feature, the “NO” answer is reflected on the form as illustrated in +the following figure, and the supporting data point is shown in the table below. + +4.0 Loan Terms + +4.4 Prepayment Penalty + +4.5 Balloon Payment + +4.4.2 NO + +4.4.3 + +4.5.2 NO + +4.4.3 + +Does the loan have these features? If yes + +Appendix E: UCD Implementation Guide + +Page 77 of 254 + +Version 1.4 + +Uniform Closing Dataset + +4.0 Loan Terms + +Figure 50. Loan Terms Table - Loan Does Not Have Balloon Payment Feature + +Table 68. Loan Does Not Have Balloon Payment + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point + +MISMO v3.3.0 +Value + +Notes + +4.5.2 + +Does the loan have +these features? + +…/LOAN_DETAIL + +BalloonIndicator + +false + +▪ Represented as +“NO” on form + +▪ Formatting +required for +form + +Figure 51. Loan Does Not Have Balloon Payment + +b. YES—LOAN HAS A BALLOON PAYMENT + +If the loan has one or more balloon payments, the dollar amount and year of the highest payment must be +disclosed as illustrated in Figure 52, using the data points shown in Table 69. + +4.0 Loan Terms + +4.4 Prepayment Penalty + +4.4.2 NO + +4.4.3 • Description if YES + +Does the loan have these features? + +4.5 Balloon Payment + +4.5.2 YES + +4.5.3 • You will have to pay $150,000 at the end of year 5 + +Figure 52. Loan Has Balloon Payment + +Table 69. Loan Has Balloon Payment diff --git a/chunks/txt/7e7ba53060585454b93aadce0d510f75bf909f0465db446c4bbd139896c9a144.txt b/chunks/txt/7e7ba53060585454b93aadce0d510f75bf909f0465db446c4bbd139896c9a144.txt new file mode 100644 index 0000000000000000000000000000000000000000..024afc8b236353b529c7993124e7d214b3a2e845 --- /dev/null +++ b/chunks/txt/7e7ba53060585454b93aadce0d510f75bf909f0465db446c4bbd139896c9a144.txt @@ -0,0 +1,121 @@ +Data Field +Conditionality + +466 + +467 + +468 + +469 + +470 + +471 + +472 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +123 + +INCOME + +Summary of Income Approach +(including support for market rent and +GRM) + +Income Analysis +Comment + +A free-form text field used to describe or +comment on the use of the Income +Approach in valuing a property. + +/VALUATION_RESPONSE/VALUATION_METHODS/INCOME_ANALYSIS/ +@_Comment + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +124 + +RECONCILIATION + +Indicated Value by: Sales Comparison +Approach $ + +Value Indicated By +Sales Comparison +Approach Amount + +The dollar value of the subject property +indicated by the Sales Comparison +approach. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/@ValueIndicatedBySalesComparisonApproachAmount + +125 + +RECONCILIATION Income Approach (if developed) $ + +Value Indicated By +Income Approach +Amount + +The dollar value of the subject property +indicated by the Income Approach method +of property valuation. + +/VALUATION_RESPONSE/VALUATION_METHODS/INCOME_ANALYSIS/ +@ValueIndicatedByIncomeApproachAmount + +12 + +12 + +Money + +Money + +UAD Requirement - Refer to Appendix D Reconciliation Section +This data is referenced more than once on the form, and must be represented +consistently. + +PDF Display Format: +Whole dollars only +This data is referenced more than once on the form, and should be represented +consistently. + +PDF Display Format: +Whole dollars only. + +126 + +RECONCILIATION Comment Area + +Valuation +Reconciliation +Summary Comment + +A free-form text field used to describe or +reconcile the different property valuation +methods used to arrive at the final +property valuation. diff --git a/chunks/txt/7e86a5d978c691228f4c5ed98d981712f6c1334a9c33b8d6060b0b1dd6810122.txt b/chunks/txt/7e86a5d978c691228f4c5ed98d981712f6c1334a9c33b8d6060b0b1dd6810122.txt new file mode 100644 index 0000000000000000000000000000000000000000..4054282a324b5a1325e1ed1d1586dd57b5c4515f --- /dev/null +++ b/chunks/txt/7e86a5d978c691228f4c5ed98d981712f6c1334a9c33b8d6060b0b1dd6810122.txt @@ -0,0 +1,44 @@ +Lending +File Validation Rule updates + +• + +o New file validation rule, WN3790, to restrict the submission of Wire Instruction Reference Identifier (Wire + +Nickname). Reminder, Wire Nickname will be available in the Loan Delivery Test Environment (LDTE) on January +20, 2025 and in Loan Delivery production on March 24, 2025. + +See the Loan Delivery Business Rules for a listing of edits, users can filter on the Sub-category (Column J) and search ULDD +Ph. 5. These edits will be available in the Loan Delivery Test Environment to accommodate lender testing. + +For more information, see the ULDD Phase 5 Implementation Considerations. + +Oct 21, 2024 + +Edit Updates + +See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates +including: + +• All ULDD Phase 5 edits will be warning, see above for details +• +• +• + +1 new informational edit for LTV/CLTV validation +2 new warning edits to validate modified loan data +10 edits moving from warning to fatal for Loan Limits, Green MBS, and Buydown + +Nov 2024 + +Green MBS + +Per the Selling Guide Announcement (SEL-2024-06), Fannie Mae is establishing loan delivery requirements for lender- +formed Green MBS and a Fannie Mae Green Majors® pool. The delivery of a Green MBS requires that all loans be delivered +with SFC 784 or 881 to indicate the properties backing the loans have received one of the approved certifications. See our + +© 2023 Fannie Mae Page 9 of 10 + +complete list of Special Feature Codes for details. In addition, the MBS must also be delivered with future feature code (FFC) +208 to identify the pool as being a Green MBS. See the LD Edit changes in the Loan Delivery Business Rules for a listing of +effective edit updates. diff --git a/chunks/txt/7e8efda27a024507c1a806c1cb161f0f25d2110593177c6ced067460fdec68b3.txt b/chunks/txt/7e8efda27a024507c1a806c1cb161f0f25d2110593177c6ced067460fdec68b3.txt new file mode 100644 index 0000000000000000000000000000000000000000..6bddc8194dd67f93d8afc1c17e21b968b6533cd7 --- /dev/null +++ b/chunks/txt/7e8efda27a024507c1a806c1cb161f0f25d2110593177c6ced067460fdec68b3.txt @@ -0,0 +1,162 @@ +If field 2-72 (Car Storage Exists +Indicator = 'N') is indicated than none +of fields 2-73, 2-74, 2-75 (Car Storage +Location Exists Indicator = 'Y' and +values of Car Storage Location Type), +fields 2-77, 2-78 (values of Parking +Space Assignment Type), field 2-76 +(Parking Spaces Count), field 2-79 +(Parking Spaces Identifier) should be +indicated. If field 2-72 is not indicated +then at least one of fields 2-73, 2-74, 2- +75 (Car Storage Location Exists +Indicator = 'Y' and values of Car +Storage Location Type) should be + +This field should be populated if either +of fields 2-77, 2-78 (values of Parking +Space Assignment Type) is indicated. + +T + +T + +T + +T + +T + +T + +R + +T + +T + +T + +R + +R + +R + +R + +T + +T + +T + +R + +R + +R + +R + +T + +T + +T + +R + +R + +R + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 102 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D + +285 + +2 + +83 + +UNIT +DESCRIPTION + +Square Feet of Gross Living +Area Above Grade + +Gross Living Area +Square Feet Count + +The total area of all inhabitable rooms. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@GrossLivingAreaSqu +areFeetCount + +286 + +2 + +84 + +UNIT +DESCRIPTION + +Are the heating and cooling for +the individual units separately +metered? +Yes + +Structure Heating +Cooling Metered +Separately +Indicator + +Indicates that individual units are capable +of measuring and billing their heating and +cooling utility use separately. diff --git a/chunks/txt/7e93398d2807a07fc02ce920f68d30feb6c4837e34281737546a87c03c46a49f.txt b/chunks/txt/7e93398d2807a07fc02ce920f68d30feb6c4837e34281737546a87c03c46a49f.txt new file mode 100644 index 0000000000000000000000000000000000000000..8d745a39191903d79cff4ff13b7f5825464fc949 --- /dev/null +++ b/chunks/txt/7e93398d2807a07fc02ce920f68d30feb6c4837e34281737546a87c03c46a49f.txt @@ -0,0 +1,149 @@ +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 + +Uniform Residential Appraisal Report + +Page 3 of 19 +Page 3 of 19 + +Site (continued) + +Site Influence + +Influence +Residential + +Proximity +Bordering + +Detail + +Impact +Neutral + +Comment + +View and Impact to Value/Marketability diff --git a/chunks/txt/7ea27195a545a47ec04ec921dd57e53133dbf564eb89e3103277354dd2ec43b7.txt b/chunks/txt/7ea27195a545a47ec04ec921dd57e53133dbf564eb89e3103277354dd2ec43b7.txt new file mode 100644 index 0000000000000000000000000000000000000000..ff453b9b3251970366777ddf5f5b0b173f0035d8 --- /dev/null +++ b/chunks/txt/7ea27195a545a47ec04ec921dd57e53133dbf564eb89e3103277354dd2ec43b7.txt @@ -0,0 +1,76 @@ +…/ESTIMATED_PR +OPERTY_COST_CO +MPONENT + +ProjectedPaymentEst +imatedTaxesInsuranc +eAssessmentCompon +entType + +GroundRent + +ROF as “ Other: Ground +Rent” + +ProjectedPaymentEs +crowedType + +Escrowed + +Represented as “SOME” +on form + +Instance of ESTIMATED_PROPERTY_COST_COMPONENT + +5.6.5 + +…  Other: +_____ + +…/ESTIMATED_PR +OPERTY_COST_CO +MPONENT + +5.6.5 + +In Escrow? + +ProjectedPaymentEst +imatedTaxesInsuranc +eAssessmentCompon +entType + +ProjectedPaymentEs +crowedType + +HomeownersAss +ociationDues + +Represented as “and +additional costs” next to +Other + +NotEscrowed + +Represented as “SOME” +on form + +1. FOR MORE I NFORMATI ON + +5.1 Reg §1026.38(c), pp. 80121, 80351, 80004-5; Cross reference to §1026.37(c), pp. 80114, 80337, 79932-4. + +5.2 Reg §1026.38(c)(1), pp. 80121, 80351; Cross reference to §1026.37(c)(1) pp. 80115, 79932-42; (c)(3)(i) and + +(ii) pp. 80115, 80337. + +5.3 Reg §1026.38(c)(1)(i), pp. 80121, 80351, 80004-5; Cross reference to §1026.37(c)(1) pp. 79935, 80334, + +80337-80338; (c)(2), p. 80115. + +5.4 Reg §1026.38(c)(1)(i) and (ii), p. 80121; §1026.37(c)(2)(iii) pp. 80115, 80340. + +5.5 Reg §1026.38(c)(1), pp. 80121, 80351; Cross reference to §1026.37(c)(1), (c)(2), (c)(3), pp. 80115, 80337, + +79932-42. + +5.6 Reg §1026.38(c), p. 80004; Cross reference to §1026.37(c)(4) p. 80115; (c)(4)(ii) p. 79946-49; (c)(4)(iv), p. diff --git a/chunks/txt/7ecf26a1a9e2ad7b7362f808167738ecf97d68e0f017e28f2c28540f75c63b27.txt b/chunks/txt/7ecf26a1a9e2ad7b7362f808167738ecf97d68e0f017e28f2c28540f75c63b27.txt new file mode 100644 index 0000000000000000000000000000000000000000..f681d6062996004bfa099e6303fcd3680f762286 --- /dev/null +++ b/chunks/txt/7ecf26a1a9e2ad7b7362f808167738ecf97d68e0f017e28f2c28540f75c63b27.txt @@ -0,0 +1,69 @@ +Requirement +The following table of MISMO v3.3 FeeType enumerations related to recording fees, transfer taxes and +other government fees will be accepted in Unique ID 8.196-Fee Type when accompanied by UID 8.004- +Integrated Disclosure Section Type = “Taxes And Government Fees.” The GSEs’ collection system will +be modified to accept these new values as part of the implementation of Phase 3 UCD Critical Edits. + +UCD Supported +Enumerations +Filing Fee + +Municipal Lien +Certificate Fee +Power Of Attorney +Recording Fee + +Recording Fee +For Assignment + +Recording Fee +For Municipal +Lien Certificate + +Recording Fee +For Release + +Recording Fee +For Subordination + +Documentary +Stamp Fee +Tax Stamp For +City Deed +Tax Stamp For +City Mortgage +Tax Stamp For +County Deed +Tax Stamp For +County Mortgage + +New Fee Types Allowed for Taxes and Other Government Fees +Unique ID 8.196 - FeeType + +MISMO Definitions + +Fee paid when submitting a document to the clerk of a court for the court's immediate consideration +and for storage in the court's files. +Fee charged by a municipality to release a lien or injunction after payment of fines for property non- +compliance have been completed. +Fee assessed by a government authority to record and index a Power of Attorney as required under +State or local law. Recording fees are assessed based on the type of document to be recorded or +its physical characteristics, such as the number of pages. Unlike transfer taxes, recording fees are +not based on the sales price of the property or loan amount. +Fee assessed by a government authority to record and index an assignment as required under +State or local law. Recording fees are assessed based on the type of document to be recorded or +its physical characteristics, such as the number of pages. Unlike transfer taxes, recording fees are +not based on the sales price of the property or loan amount. +Fee assessed by a government authority to record and index a municipal lien certificate as required +under State or local law. Recording fees are assessed based on the type of document to be +recorded or its physical characteristics, such as the number of pages. Unlike transfer taxes, +recording fees are not based on the sales price of the property or loan amount. +Fee assessed by a government authority to record and index a release as required under State or +local law. Recording fees are assessed based on the type of document to be recorded or its +physical characteristics, such as the number of pages. Unlike transfer taxes, recording fees are not +based on the sales price of the property or loan amount. +Fee assessed by a government authority to record and index Subordination Documents as required +under State or local law. Recording fees are assessed based on the type of document to be +recorded or its physical characteristics, such as the number of pages. Unlike transfer taxes, +recording fees are not based on the sales price of the property or loan amount. +A fee or tax placed on documents used for the legal transfer of ownership of assets or real property. diff --git a/chunks/txt/7ed7fb371d3755fb77496f5a7f9e502ab5d865b7cbcca4554d118aa69cb508d4.txt b/chunks/txt/7ed7fb371d3755fb77496f5a7f9e502ab5d865b7cbcca4554d118aa69cb508d4.txt new file mode 100644 index 0000000000000000000000000000000000000000..853697a0ba0dfcb0628fb7441c1ed67c2eb5a145 --- /dev/null +++ b/chunks/txt/7ed7fb371d3755fb77496f5a7f9e502ab5d865b7cbcca4554d118aa69cb508d4.txt @@ -0,0 +1,25 @@ +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/17641","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/7edf39eb607a138e115fe32f90183858e80230d3efa1243758c4a1a574e19486.txt b/chunks/txt/7edf39eb607a138e115fe32f90183858e80230d3efa1243758c4a1a574e19486.txt new file mode 100644 index 0000000000000000000000000000000000000000..8baaa13b52747cde300dab0a21082060728c7d95 --- /dev/null +++ b/chunks/txt/7edf39eb607a138e115fe32f90183858e80230d3efa1243758c4a1a574e19486.txt @@ -0,0 +1,22 @@ +7. I performed this appraisal update in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were +adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal +update was prepared. + +8. I have updated the appraisal by incorporating the original appraisal report by reference. + +9. I have summarized my analysis and conclusions in this appraisal update and retained all supporting data in my work file. + +10. I personally performed an inspection of the exterior areas of the subject property from at least the street. I reported the readily observable +condition of the improvements in factual, specific terms. I reported any known physical deficiencies that could affect the soundness or +structural integrity of the property. + +11. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and +information in this appraisal report are true and correct. + +12. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any +agreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a +predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or +occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). + +13. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided +significant real property appraisal assistance. diff --git a/chunks/txt/7ee8ab776cec495ec83785957b5c72e0d4c71c1cbd0a42002062ad5173434c7b.txt b/chunks/txt/7ee8ab776cec495ec83785957b5c72e0d4c71c1cbd0a42002062ad5173434c7b.txt new file mode 100644 index 0000000000000000000000000000000000000000..dcbd88f049a1025c7a888c27381b874e9277abe0 --- /dev/null +++ b/chunks/txt/7ee8ab776cec495ec83785957b5c72e0d4c71c1cbd0a42002062ad5173434c7b.txt @@ -0,0 +1,3 @@ +Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 362 + +Scope of Work .......................................................................................................................................................................................................................... 362 diff --git a/chunks/txt/7f0f134b3c48f169058ef59262f5edb98bbdf4da45b7a49fd297b5a81bf04965.txt b/chunks/txt/7f0f134b3c48f169058ef59262f5edb98bbdf4da45b7a49fd297b5a81bf04965.txt new file mode 100644 index 0000000000000000000000000000000000000000..a8db3c962d7714c2a04f201c2ad4187a4803118a --- /dev/null +++ b/chunks/txt/7f0f134b3c48f169058ef59262f5edb98bbdf4da45b7a49fd297b5a81bf04965.txt @@ -0,0 +1,130 @@ +22.06.01 +22.06.05 + +Energy +Efficient and +Green +Features +(subsection +heading) + +Renewable +Energy +Component + +If relevant + +Required when the +row is included in the +sales comparison grid + +Yes | No + +Energy Efficient and +Green Features +• + +Known Renewable +Energy +Components 6.000 + +22.06.01 +22.06.05 + +Renewable +Energy +Component + +If relevant + +Required when Known +Renewable Energy +Components is Yes, +and the row is +included in the sales +comparison grid + +Choose one or +more allowable +answers from the +Definition / +Additional +guidance column + +Energy Efficient and +Green Features +• + +Renewable Energy +Component Type +6.001 + +22.06.02 +22.06.06 + +Building +Certification + +If relevant + +Required when the +row is included in the +sales comparison grid + +Yes | No + +Energy Efficient and +Green Features +• + +Known Building +Certifications +6.004 + +22.06.02 +22.06.06 + +Building +Certification + +If relevant + +Free-form + +Required when Known +Building Certifications +is Yes, and the row is +included in the sales +comparison grid + +Energy Efficient and +Green Features +• + +Building +Certification Name +6.006 + +This subsection displays on the sales comparison grid when an +adjustment has been made on Energy Efficient and Green Features, or to +support conclusions based on market support. + +Known Renewable Energy Components +Indicates whether the property has renewable energy components that +are known to the appraiser. + +When included, provides support for the Energy Efficient and Green +Features adjustment (22.06.04). + +Geothermal +Solar + +• +• +• Wind Turbine +• + +Other (Describe) + +When included, provides support for the Energy Efficient and Green +Features adjustment (22.06.04). diff --git a/chunks/txt/7f0f88ec8584721e5d38071d74f56e9b3604bcbe38cd3642d4125411d6af9472.txt b/chunks/txt/7f0f88ec8584721e5d38071d74f56e9b3604bcbe38cd3642d4125411d6af9472.txt new file mode 100644 index 0000000000000000000000000000000000000000..6514adc8bda1befd658d632f7a5fb89331d33faa --- /dev/null +++ b/chunks/txt/7f0f88ec8584721e5d38071d74f56e9b3604bcbe38cd3642d4125411d6af9472.txt @@ -0,0 +1,168 @@ +$0 + +Inground Pool - +Diving Board + +$0 + +Vehicle Storage + +Type | Spaces | Detail + +Carport | 2 | Detached +400 Sq. Ft. +Driveway | 4 | Asphalt +Garage | 2 | Attached +528 Sq. Ft. + +$10,000 + +$10,000 + +$10,000 + +Driveway | 6 | Gravel +Garage | 2 | Attached + +Driveway | 6 | Asphalt +Garage | 2 | Detached + +Driveway | 4 | Gravel +Garage | 2 | Detached + +Outbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts) + +Outbuilding Type + +Finished Area + +Unfinished Area + +Heating + +Utilities + +Summary + +List Price + +Contract Price + +Sale Price + +Net Adjustment Total + +Price Per Finished +Area Above Grade + +Adjusted Price + +Comparable Weight + +— + +— + +— + +— + +— + +$799,900 + +$770,000 + +Stable $(20,000) + +Pool House + +$(5,000) + +Studio $(16,000) + +0 Sq. Ft. + +864 Sq. Ft. + +None + +Electricity + +$855,000 + +— + +$825,000 + +$(41,900) + +$221 + +$783,100 + +Most + +192 Sq. Ft. + +0 Sq. Ft. + +None + +Electricity + +$779,000 + +— + +$765,000 + +$3,380 + +$215 + +$768,380 + +Most + +400 Sq. Ft. + +0 Sq. Ft. + +Yes + +Electricity + +$799,999 + +— + +$775,000 + +$14,480 + +$312 + +$789,480 + +Less + +Indicated Value by Sales Comparison Approach + +Indicated Value + +$775,000 + +Reconciliation of Sales Comparison Approach + +The subject and comparables are located within a market area that has a rural nature while being within 40 miles commuting distance to +the Northern Virginia and Washington, DC metropolitan and suburban area business and government centers. Within this market segment +larger lots with pastoral views and accessory structures and outbuildings are typical. However, 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 #1 and #2 +are given greatest consideration as they contain accessory dwelling units that are located within the main dwelling but are otherwise similar +to the subject’s accessory unit. Comparables #1 and #2 are also similar to the subject in age and Comparable #2 is most similar to the subject +in level and quality of updates. Comparable #3 has a garage, an ADU, and a separate studio. The ADU shares a common wall with the garage. +However, Comparable #3 receives least consideration as it is an older farmhouse that has been gut renovated, including foundation work to +upgrade and provide additional support. The renovation was completed with a high level of quality and craftsmanship while maintaining +vintage characteristics (e.g., random width wood flooring and trim that has been restored and refinished) which may appeal to a different +buyer pool than houses of the subject and comparable #1 and #2’s vintage. diff --git a/chunks/txt/7f19a658cf2b160e552e031f9d2c43b1c6f875482318419d0c0b1d6734db95cd.txt b/chunks/txt/7f19a658cf2b160e552e031f9d2c43b1c6f875482318419d0c0b1d6734db95cd.txt new file mode 100644 index 0000000000000000000000000000000000000000..a57f3f02199fbe9849a8ec9b93204c919361789f --- /dev/null +++ b/chunks/txt/7f19a658cf2b160e552e031f9d2c43b1c6f875482318419d0c0b1d6734db95cd.txt @@ -0,0 +1,3 @@ +Filter By Year - Any - 2026 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 + +[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/256&order=field_release_date&sort=asc) Report Attachment January 23, 2026 [Performance and Accountability Report 2025](/reports/fhfa-performance-and-accountability-report/2025) [Read Report](/document/FHFA-2025-PAR.pdf) November 15, 2024 [Performance and Accountability Report 2024](/reports/fhfa-performance-and-accountability-report/2024) [Read Report](/document/fhfa-fy-2024-performance-and-accountability-report) November 15, 2023 [Performance and Accountability Report 2023](/reports/fhfa-performance-and-accountability-report/2023) [Read Report](/document/fhfa-2023-par.pdf) November 15, 2022 [Performance and Accountability Report 2022](/reports/fhfa-performance-and-accountability-report/2022) [Read Report](/document/performance-and-accountability-report-2022) November 15, 2021 [Performance and Accountability Report 2021](/reports/fhfa-performance-and-accountability-report/2021) [Read Report](/document/performance-and-accountability-report-2021) November 16, 2020 [Performance and Accountability Report 2020](/reports/fhfa-performance-and-accountability-report/2020) [Read Report](/document/fhfa-2020-par) November 19, 2019 [Performance and Accountability Report 2019](/reports/fhfa-performance-and-accountability-report/2019) [Read Report](/document/fhfa-par-2019) November 15, 2018 [Performance and Accountability Report 2018](/reports/fhfa-performance-and-accountability-report/2018) [Read Report](/document/fhfa-par-2018) November 15, 2017 [Performance and Accountability Report - 2017](/reports/fhfa-performance-and-accountability-report/2017) [Read Report](/document/fhfa-par-2017) November 15, 2016 [Performance and Accountability Report - 2016](/reports/fhfa-performance-and-accountability-report/2016) [Read Report](/document/fhfa-par-2016) November 16, 2015 [Performance and Accountability Report - 2015](/reports/fhfa-performance-and-accountability-report/2015) [Read Report](/document/fhfa-par-2015) November 17, 2014 [Performance and Accountability Report - 2014](/reports/fhfa-performance-and-accountability-report/2014) [Read Report](/document/fhfa-par-2014) December 16, 2013 [Performance and Accountability Report - 2013](/reports/fhfa-performance-and-accountability-report/2013) [Read Report](/document/performance-and-accountability-report-2013) November 15, 2012 [Performance and Accountability Report - 2012](/reports/fhfa-performance-and-accountability-report/2012) [Read Report](/document/performance-and-accountability-report-2012) November 14, 2011 [Performance and Accountability Report (Revised) - 2011](/reports/fhfa-performance-and-accountability-report/2011) [Read Report](/document/performance-and-accountability-report-2011) November 15, 2010 [Performance and Accountability Report - 2010](/reports/fhfa-performance-and-accountability-report/2010) [Read Report](/document/performance-and-accountability-report-2010) November 16, 2009 [Performance and Accountability Report - 2009](/reports/fhfa-performance-and-accountability-report/2009) [Read Report](/document/performance-and-accountability-report-2009) November 17, 2008 [Performance and Accountability Report - 2008](/reports/fhfa-performance-and-accountability-report/2008) [Read Report](/document/federal-housing-finance-agency-key-management-officials) November 15, 2007 [2007 OFHEO Performance and Accountability Report](/reports/fhfa-performance-and-accountability-report/2007) [Read Report](/document/ofheo-performance-and-accountability-report-2007) November 15, 2005 [2005 Performance and Accountability Report](/reports/fhfa-performance-and-accountability-report/2005) [Read Report](/document/ofheo-performance-and-accountability-report-2005) diff --git a/chunks/txt/7f258c894f881bba04ce9b22e4f99dc21208e3cc4a65824e2e475e883c8aaea5.txt b/chunks/txt/7f258c894f881bba04ce9b22e4f99dc21208e3cc4a65824e2e475e883c8aaea5.txt new file mode 100644 index 0000000000000000000000000000000000000000..5735a08709932fd1aeadd019cd080299340dca8b --- /dev/null +++ b/chunks/txt/7f258c894f881bba04ce9b22e4f99dc21208e3cc4a65824e2e475e883c8aaea5.txt @@ -0,0 +1,98 @@ +Page 242 + +Additional Exhibits + +Any additional images or graphs provided must be delivered using ImageCategoryType (UID: 1400.0638, FID: 17.024.1) = +“MarketAnalysisExhibit”. +An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 17.024.2) and displays above the +image in bold text. + +Report +Field ID + +Report Label + +Unique ID + +MISMO Data Point Name + +Supported Enumerations + +Category Display Text + +17.017.1 + +No label + +1400.0638 + +ImageCategoryType + +PercentOfDistressedSalesGraph + +Percent of Distressed Sales + +AbsorptionRateGraph + +Absorption Rate + +MedianDaysOnMarketGraph + +Median Days on Market + +PriceTrendGraph + +Price Trend + +YearBuiltOfSalesGraph + +Year Built of Sales + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 243 + +Report +Field ID + +Report Label + +Unique ID + +MISMO Data Point Name + +Supported Enumerations + +Category Display Text + +17.024.1 + +No label + +1400.0638 + +ImageCategoryType + +MarketAnalysisExhibit + +17.017.2 + +17.024.2 + +No label + +1400.0640 + +ImageCaptionCommentDescription + +(Display the text provided in the caption.) + +Reference Key Concept - Image Data for detailed guidance on the various ways images are handled in the URAR. + +Market – Arcrole Relationships + +Arcrole relationships establish "relationships" or linkages in the XML data file that may be visually obvious on the URAR Report. In the XML +data specific instances of data points or containers must be connected to properly represent the information. + +• Containers or datapoints to be linked are identified using "xlink:label.” +• The RELATIONSHIP container holds the xlink:arcrole, xlink:from, and xlink:to attributes that describe the data relationships. diff --git a/chunks/txt/7f2cda2b4908857a18835a855f0368f7dc50832f3c2fb5f158319cd6533b4643.txt b/chunks/txt/7f2cda2b4908857a18835a855f0368f7dc50832f3c2fb5f158319cd6533b4643.txt new file mode 100644 index 0000000000000000000000000000000000000000..1481c5b408d773735fce79e1843cb3c81d6a34c5 --- /dev/null +++ b/chunks/txt/7f2cda2b4908857a18835a855f0368f7dc50832f3c2fb5f158319cd6533b4643.txt @@ -0,0 +1,106 @@ +• Flooring (Always displays for each type of flooring in the unit) +• Walls and Ceiling (Always displays) +• Other (Describe) (Displays if relevant) + +Appendix F-1: URAR Reference Guide + +Page 138 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +10 Unit Interior + +Information for each type of Flooring in the Unit + +At least one flooring type will display in the Interior Features table. If there are multiple types of flooring in the +unit, each displays separately. + +Unit Interior - Interior Features: Flooring + +Report +Field ID + +Report Label + +When to Include + +10.044 + +Feature + +Always required + +10.045 Detail + +Always required for +each type of flooring in +the unit + +Allowable +Answers / Format + +Reference the +Definition / +Additional +Guidance column + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Definition / Additional Guidance + +Interior Feature +• + +Flooring + +Note: Photo(s) of the flooring may be provided, which display in Unit Interior +Exhibits, with the caption “Flooring”. An additional caption may be provided to +further identify the photo. + +Flooring Type(s) +• +Carpet +• +Ceramic Tile +• +Engineered Wood +• +Finished Concrete +• +Hardwood +• +Laminate +• Marble +• +• +• + +Subflooring Only (there are no floor coverings) +Vinyl +Other (Describe) + +10.046 Quality + +Comment + +If needed to describe +the current quality of +each Flooring Type in +the unit + +10.047 Condition Status Always required for + +each Flooring Type in +the unit + +Free-form + +A brief description of the quality of the flooring type as of the effective date. +For further expansion of commentary, use Unit Interior Commentary (10.061). diff --git a/chunks/txt/7f302e454ddbcc49aeb0d1b755c83546bb8bb309f72dd42af5017428a7b1cc0f.txt b/chunks/txt/7f302e454ddbcc49aeb0d1b755c83546bb8bb309f72dd42af5017428a7b1cc0f.txt new file mode 100644 index 0000000000000000000000000000000000000000..8019f4f4bbbf329c1c0061f5608e97ba7ceb5d93 --- /dev/null +++ b/chunks/txt/7f302e454ddbcc49aeb0d1b755c83546bb8bb309f72dd42af5017428a7b1cc0f.txt @@ -0,0 +1,31 @@ +If you have additional questions regarding your existing mortgage, contact your mortgage servicer (listed on a recent mortgage statement) for assistance. + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) diff --git a/chunks/txt/7f32019399ba3452b23e7abbd79f275127d06a4c549dc42bccd1f51cb60a72b0.txt b/chunks/txt/7f32019399ba3452b23e7abbd79f275127d06a4c549dc42bccd1f51cb60a72b0.txt new file mode 100644 index 0000000000000000000000000000000000000000..78ca9f000518abdcef2662c2e2bf8c0b1f570fca --- /dev/null +++ b/chunks/txt/7f32019399ba3452b23e7abbd79f275127d06a4c549dc42bccd1f51cb60a72b0.txt @@ -0,0 +1,13 @@ +What resources are available? + +Please refer to these resources to learn more about the new UAD changes: + +UAD Lender Preparedness Webinar: A recorded session to help lenders understand and prepare for the UAD 3.6 changes. + +The Industry's Guide to the New URAR: A visual walkthrough of the redesigned Uniform Residential Appraisal Report (URAR). + +Uniform Appraisal Dataset | Fannie Mae: Official documentation and updates from Fannie Mae. + +Lender Readiness Kit: Tools and checklists to support your transition to UAD 3.6. + +© 2025 Fannie Mae 7.9.25 Page 1 of 1 diff --git a/chunks/txt/7f376873fd75649a0b7bae4a0a655c40ea74ce19ccfc0b405f83700a22efd035.txt b/chunks/txt/7f376873fd75649a0b7bae4a0a655c40ea74ce19ccfc0b405f83700a22efd035.txt new file mode 100644 index 0000000000000000000000000000000000000000..55b1d37574688283a9c9dd7567464a91410ca6b8 --- /dev/null +++ b/chunks/txt/7f376873fd75649a0b7bae4a0a655c40ea74ce19ccfc0b405f83700a22efd035.txt @@ -0,0 +1,33 @@ +© 2023 Fannie Mae Page 4 of 5 + +be warning from November 1 through November 30, 2023, to allow lenders the opportunity to make any needed updates to +processes. Edit D323 will be moved to fatal severity on December 1, 2023. +There are two options for a lender to resolve edit D323 and deliver the loan: + +1. Resubmit the DU loan casefile: Lenders can resubmit the loan casefile to DU after the PDC has been submitted to the +Fannie Mae Property Data API for DU message ID 3713 to be received. LD caches data for 24 hours, so the lender +should resubmit to DU and then wait 24 hours and rerun package edits in Loan Delivery. + +NOTE: If the lender did not submit the PDC to the API prior to the note date the loan is not eligible for delivery with SFC 774, +even if DU message ID 3713 was received. + +2. Remove SFC 774. If the lender provided SFC 774 in error, removing the SFC will resolve edit D323. + +Refer to Value Acceptance + Property Data Fact Sheet for more information. + +Effective November 17, 2023, Loan Delivery will update eligibility criteria to reflect expanded access to credit and provide +support for affordable rental housing, the maximum allowable LTV, CLTV, and HCLTV ratios for two- to four-unit, principal +residence, purchase and limited cash-out transactions will be updated to 95%. This change will not apply to high- +balance mortgage loans and loans that are manually underwritten. See DU V. 11.1 Release I Nov. 18, 2023 for more details. + +Nov 17, 2023 + +LTV Ratios + +Dec 1, 2023 + +Edit Updates + +See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates +including: +Edit D323 related to Value Acceptance + Property Data changing to fatal severity (see Nov 1 entry for details). diff --git a/chunks/txt/7f3f441535ab47d23c9067d33bd8b154ca909321cd09965ca55aeaa510087370.txt b/chunks/txt/7f3f441535ab47d23c9067d33bd8b154ca909321cd09965ca55aeaa510087370.txt new file mode 100644 index 0000000000000000000000000000000000000000..2df71b109abdd0f270a25e4cce90b9f7c1d5705a --- /dev/null +++ b/chunks/txt/7f3f441535ab47d23c9067d33bd8b154ca909321cd09965ca55aeaa510087370.txt @@ -0,0 +1,9 @@ +## 7. Principal Purpose and Routine Uses of Information + +Our principal purposes in collecting information via forms available on FHFA’s website are to respond to complaints, appeals, inquiries and requests for information; to review and post comments on proposed rules/regulations; to review feedback received on FHFA proposed or implemented initiatives; and/or to compile a list of potential vendors and contractors. The forms available on FHFA’s website may also assist FHFA and those who will respond to the submitter with consumer issues involving Fannie Mae, Freddie Mac, and the Federal Home Loan Banks. + +As required by the Privacy Act of 1974, all routine uses are published in FHFA Systems of Records Notices, found on the [FHFA Privacy Office website](https://www.fhfa.gov/privacy). As stated in the routine uses in FHFA Systems of Records Notices (where applicable), FHFA may also use your information to determine whether a person has violated, is violating, or is about to violate the laws or rules that FHFA enforces. FHFA may use the information you provide in legal proceedings. If the information indicates violations of other laws or regulations, we may turn it over to other government agencies, including United States Attorneys and state prosecutors. In order to preserve the integrity of the investigation, we generally do not disclose to you whether we have done so or not. + +FHFA will not agree to limit its use of your information in any way not required by law, unless FHFA or an authorized staff explicitly agrees to do so in writing. + +## 8. Authority for Collecting Information diff --git a/chunks/txt/7f4ec42cc5e9c050fadb24403e64b202989cb8f86ede9e83838b7220af363ff2.txt b/chunks/txt/7f4ec42cc5e9c050fadb24403e64b202989cb8f86ede9e83838b7220af363ff2.txt new file mode 100644 index 0000000000000000000000000000000000000000..4814bb32a3dd585b651b6647ae78bec876bc06db --- /dev/null +++ b/chunks/txt/7f4ec42cc5e9c050fadb24403e64b202989cb8f86ede9e83838b7220af363ff2.txt @@ -0,0 +1,76 @@ +Reporting Format: +Description of Neighborhood Boundaries – +Text + +Page 19 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +Site Section + +Area +For sites/parcels that have an area of less +than one acre, the size must be reported in +square feet. For sites/parcels that have an +area of one acre or greater, the size must be +reported in acreage to two decimal places. +The unit of measure must be indicated as +either ‘sf’ for square feet or ‘ac’ for acres. A +numeric value must be entered followed by +the appropriate unit of measure. The total size +of the entire site/parcel must be entered. No +other data is permitted + +Reporting Format: +Area less than one acre – whole numbers only ++ unit of measure +Area equal to one acre or more – numeric to 2 +decimals + unit of measure + +Examples: +27840 sf +3.40 ac + +Page 20 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073/465 + +• 1073 Hybrid/465H + +• 1073 Desktop/465D diff --git a/chunks/txt/7f61e819844eaef4dbb1f5107489509798f6bb0e00ed91c28196c2ebe8710cbf.txt b/chunks/txt/7f61e819844eaef4dbb1f5107489509798f6bb0e00ed91c28196c2ebe8710cbf.txt new file mode 100644 index 0000000000000000000000000000000000000000..be781f5298f43a99f9440a20b2b9a1e97f1a516c --- /dev/null +++ b/chunks/txt/7f61e819844eaef4dbb1f5107489509798f6bb0e00ed91c28196c2ebe8710cbf.txt @@ -0,0 +1,28 @@ +Data Integrity -------------------------------------------------------------------------------------------------------------------- 7 + +Data Entry Aid ------------------------------------------------------------------------------------------------------------------- 9 + +Appendix B-1 URAR Implementation Guide - Supplement - Usability and Implementation Guidance v1.0 + +Page 3 + +Introduction + +The Uniform Appraisal Dataset (UAD) URAR Implementation iGuide - Supplement - Usability and Implementation +document provides guidance for creating the user interface for the Uniform Residential Appraisal Report (URAR). + +The information in this document should be used in conjunction with Appendix A-1 URAR Delivery Specification, +Appendix B-1 URAR Implementation Guide, and Appendix F-1 URAR Reference Guide. + +Usability and Implementation Guidance + +The UAD Redesign project focuses on capturing discrete data and minimizes the dependence on free-form text. +This shift helps to reduce subjectivity, enhance impartiality, and improve data consistency. Discrete, machine- +readable data will allow stakeholders to implement more streamlined review processes across all property types. + +Enumerated Values + +The new UAD reduces the number of discretionary fields and relies more on fields with defined values to reduce +subjectivity. Each data point name that ends with the word “Type” has a set of defined enumerated values. +Appendix A-1 URAR Delivery Specification has approximately 180 unique data points that have defined +enumerations. The specification includes definitions for each data point and each enumerated value. diff --git a/chunks/txt/7f734a892451b149df26b0bd5b5a63317fad23e587f25e9f4d4a43af1e4444b4.txt b/chunks/txt/7f734a892451b149df26b0bd5b5a63317fad23e587f25e9f4d4a43af1e4444b4.txt new file mode 100644 index 0000000000000000000000000000000000000000..14fec70fe8087146fd674919997ac0914d57755d --- /dev/null +++ b/chunks/txt/7f734a892451b149df26b0bd5b5a63317fad23e587f25e9f4d4a43af1e4444b4.txt @@ -0,0 +1,150 @@ +…/PRINCIPAL_AND_I +NTEREST_PAYMENT_ +ADJUSTMENT/PRINCI +PAL_AND_INTEREST_ +PAYMENT_LIFETIME_ +ADJUSTMENT_RULE + +FirstPrincipalAndInterestPay +mentChangeMonthsCount + +13 + +PrincipalAndInterestPaymen +tMaximumAmountEarliestEf +fectiveMonthsCount + +13 + +Represented in AP +table as “at 13th +payment” +Represented in AP +table as “starting at +13th payment” + +19.6 | +4.3.3(1) + +First Change / +Amount… + +19.8 +|4.3.3(2) + +Maximum Payment +$___ … + +19.6 + +First Change / +Amount…$ + +…/PRINCIPAL_AND_I +NTEREST_PAYMENT_ +ADJUSTMENT/PRINCI +PAL_AND_INTEREST_ +PAYMENT_PER_CHA +NGE_ADJUSTMENT_R +ULES/PRINCIPAL_AN +D_INTEREST_PAYME +NT_PER_CHANGE_AD +JUSTMENT_RULE + +AdjustmentRuleType + +First + +ROF as “First” + +PerChangeMaximumPrincip +alAndInterestPaymentAmou +nt + +1500.00 + +ROF as “$1,500.00” + +19.7 + +Subsequent +Changes Every #___ +years + +For interest only loans with one interest only period no explicit data is sent to represent +“No Subsequent Changes” + +Appendix E: UCD Implementation Guide + +Page 200 of 254 + +Version 1.4 + +Uniform Closing Dataset + +19.0 Adjustable Payment (AP) Table + +ID +(bullet) + +19.1.1 | +4.3.3(3) + +Form Field Name + +Interest Only +Payments? For your +first ____ payments + +19.1 | +4.3.2 + +19.5 | +4.3 + +Interest Only +Payments? + + Principal +and Interest +Payments + +Table 133. Fixed Rate Interest Only Loan + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +…/INTEREST_ONLY + +InterestOnlyTermMonthsCo +unt + +12 + +…/LOAN_DETAIL + +InterestOnlyIndicator + +true + +Represented in AP +table as “For your +first 12 payments” + +Represented in AP +Table as “YES” + +…/PAYMENT/PAYME +NT_RULE + +PaymentFrequencyType + +Monthly diff --git a/chunks/txt/7f8206b00eee9c35420a6cb754c3007c988f435ec13e94806be63c22e6fbcf07.txt b/chunks/txt/7f8206b00eee9c35420a6cb754c3007c988f435ec13e94806be63c22e6fbcf07.txt new file mode 100644 index 0000000000000000000000000000000000000000..4361622d5397e4ec0b70477e0ed6b414790169d1 --- /dev/null +++ b/chunks/txt/7f8206b00eee9c35420a6cb754c3007c988f435ec13e94806be63c22e6fbcf07.txt @@ -0,0 +1,7 @@ +Income Approach .......................................................................................................................................... 69 + +Gross Rent Multiplier Comparables (H1) ............................................................................................................ 69 + +Indicated Value by Income Approach (H1) ......................................................................................................... 70 + +Income Approach Commentary (H1) .................................................................................................................. 70 diff --git a/chunks/txt/7fb36f0dd122594b5f40091be09ccba9e81505ce2364687f7ac7ebff534b296d.txt b/chunks/txt/7fb36f0dd122594b5f40091be09ccba9e81505ce2364687f7ac7ebff534b296d.txt new file mode 100644 index 0000000000000000000000000000000000000000..91ba258b60b7ab01dafbfbfbee2d156a79fe6d13 --- /dev/null +++ b/chunks/txt/7fb36f0dd122594b5f40091be09ccba9e81505ce2364687f7ac7ebff534b296d.txt @@ -0,0 +1,139 @@ +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +The allowable values are listed below. When representing these values in the XML +file, they must be shown exactly as they appear below: + +10 + +Enumerated + +Allowable Values PDF Display +Neutral N +Beneficial B +Adverse A + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +This field is required if the value of +field e-29 (GSE Listing Status Type) is +not ‘Active’. If the value of field e-29 +is ‘SettledSale’ and the value of field e- +31 is ‘N’, then a second instance is +required. + +This field is required if the value of +field e-29 (GSE Listing Status Type) is +‘SettledSale’. + +The sum of this field 3-64 and fields (3- +60, 3-62, 3-66, 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. + +R + +R + +R + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +R + +R + +R + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 114 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D + +401 + +3 + +e-15 + +SALES +COMPARISON +APPROACH + +Location + +(Location Type) + +GSE Location +Type + +The type of location influences associated +with the property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON +_LOCATION_DETAIL_EXTENSION/COMPARISON_LOCATION_DETAIL_ +EXTENSION_SECTION[@ExtensionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/COMPARISON_LOCATION_DETAIL_EXTENSION_SECTION_ +DATA/COMPARISON_LOCATION_DETAIL[@_SequenceIdentifier='1..2']/@ +GSELocationType diff --git a/chunks/txt/7fb51e42762a41bb5f337799e0c1b81219f8ed78ee66f922340392fc7ebf5f4e.txt b/chunks/txt/7fb51e42762a41bb5f337799e0c1b81219f8ed78ee66f922340392fc7ebf5f4e.txt new file mode 100644 index 0000000000000000000000000000000000000000..48102728792c3dc8fed332d2776fba76a51d0cd7 --- /dev/null +++ b/chunks/txt/7fb51e42762a41bb5f337799e0c1b81219f8ed78ee66f922340392fc7ebf5f4e.txt @@ -0,0 +1,88 @@ +Concrete + +80 Sq. Ft. + +80 Sq. Ft. + +80 Sq. Ft. + +80 Sq. Ft. + +Whole Home + +Multiple Zone HVAC + +Apparent Defects, Damages, Deficiencies (Subject Property Amenities) + +None + +Overall Quality and Condition + +Overall Quality + +Exterior Quality - Dwelling +Interior Quality - Unit A +Interior Quality - Unit B +Interior Quality - Unit C +Interior Quality - Unit D + +Q4 +Q4 +Q4 +Q4 +Q4 +Q4 + +Overall Condition + +Exterior Condition - Dwelling +Interior Condition - Unit A +Interior Condition - Unit B +Interior Condition - Unit C +Interior Condition - Unit D + +C3 +C3 +C3 +C3 +C3 +C3 + +Reconciliation of Overall Quality and Condition + +The Overall Quality and Condition matches both the Exterior and Interior Quality and Condition, given that both exterior and interior are the +same age. + +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?   + +Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2 + +Uniform Residential Appraisal Report + +Page 14 of 26 +Page 14 of 26 + +Market + +Market Area Boundary The subject’s market area is bounded to the North by I-20, to the East by Sundown Parkway, to the South by Main +Street, and to the West by Cowboy County State Park. + +Search Criteria Description The pool of potential comparable sales was arrived at by applying the following filters: 4 unit properties built +within the past 20 years, located within a 5 mile radius of the subject, sold during the past 12 months. diff --git a/chunks/txt/7fc64635be034024dcbb0c7e23a3efc516cb2bb27661d0caee5a28e6ad53db8a.txt b/chunks/txt/7fc64635be034024dcbb0c7e23a3efc516cb2bb27661d0caee5a28e6ad53db8a.txt new file mode 100644 index 0000000000000000000000000000000000000000..4fb4d4b94cede52e0893eb24db984e902470843c --- /dev/null +++ b/chunks/txt/7fc64635be034024dcbb0c7e23a3efc516cb2bb27661d0caee5a28e6ad53db8a.txt @@ -0,0 +1,41 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +## Breadcrumb + +- [Home](/) + - [​FHFA AT-A-GLANCE](/about) + - The Ombudsman + +# The Ombudsman + +FHFA is an independent agency of the federal government that regulates and supervises the housing government-sponsored enterprises (GSEs). + +The housing GSEs are Fannie Mae, Freddie Mac, the Federal Home Loan Banks (FHLBanks), the FHLBank System’s Office of Finance, and Common Securitization Solutions, LLC (CSS). diff --git a/chunks/txt/7febd7c3ee19ee9c800dd794e0ad008f830dc34a6d6bc993257afb68ed77a298.txt b/chunks/txt/7febd7c3ee19ee9c800dd794e0ad008f830dc34a6d6bc993257afb68ed77a298.txt new file mode 100644 index 0000000000000000000000000000000000000000..d145940a5a9d429a4765d50045e3743f33545c1a --- /dev/null +++ b/chunks/txt/7febd7c3ee19ee9c800dd794e0ad008f830dc34a6d6bc993257afb68ed77a298.txt @@ -0,0 +1,9 @@ +## Market Risk Macroeconomic Scenarios + +The FHFA market risk scenarios are comprised of instantaneous shocks to current measures of four key interest rates, implied volatility, and option-adjusted spreads. FHFA derives its interest rate shocks from historical interest rate changes observed over successive 6-month intervals, measured from the first day of each month extending back to 1998. FHFA has determined that the breadth of movements in interest rates over this historical period, especially during 2007 - 2011, is sufficient to result in a number of scenarios that constitute stressful economic conditions as applied to each Bank’s portfolio. Bank use of the scenarios for the purpose of measuring market-risk based capital requirements will be considered compliant with FHFA guidance. + +A brief description of the methodology used to generate the scenarios, references to FHFA working papers describing the methodology, and the historically-based market risk scenarios are [available here](/data/fhlb-stress-tests/market-risk-scenarios). + +## Credit Risk Macroeconomic Scenarios for Stress-Testing Mortgage Related Assets + +The FHFA credit risk scenarios for mortgage assets are comprised of 30-year time paths for several interest rates and state-level house price indexes (HPIs). The scenarios are constructed to represent worst-case, yet plausible, paths for house price levels. Since each mortgage loan is collateralized by the property, mortgage holders generally do not suffer a credit loss unless the underlying property has suffered a loss in market value, or price. Consequently, the macroeconomic scenario is made stressful by subjecting the mortgage assets to a downward shock in HPI, accompanied by a drop in interest rates as is likely to occur during an economic recession. Bank use of the scenarios for measuring the credit risk of mortgage assets is compliant with FHFA guidance. diff --git a/chunks/txt/7ff6c75a608a60a96ead629c11ae8bd5be3ca6dde759526d2447d3c07dffda7f.txt b/chunks/txt/7ff6c75a608a60a96ead629c11ae8bd5be3ca6dde759526d2447d3c07dffda7f.txt new file mode 100644 index 0000000000000000000000000000000000000000..8f7292517d75eea3bbd53c08fe42fc48774f5fc2 --- /dev/null +++ b/chunks/txt/7ff6c75a608a60a96ead629c11ae8bd5be3ca6dde759526d2447d3c07dffda7f.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/data/conforming-loan-limit" +date_accessed: "2026-01-27T17:47:50.339Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/800d9ab43033037d274a4b165c8fe332c45e498cfd307709e2c648c34e690ed5.txt b/chunks/txt/800d9ab43033037d274a4b165c8fe332c45e498cfd307709e2c648c34e690ed5.txt new file mode 100644 index 0000000000000000000000000000000000000000..ba69ce5f67687e732b451faa42e43e6204f6ee76 --- /dev/null +++ b/chunks/txt/800d9ab43033037d274a4b165c8fe332c45e498cfd307709e2c648c34e690ed5.txt @@ -0,0 +1,45 @@ +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U +NIT_CHARGE[@_PeriodType='Annually']/@_PerSquareFootAmount + +Indicates that no utilities are included in +the Amount. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U +NIT_CHARGE[@_PeriodType='Monthly' and +@_NoUtilitiesIncludedInAssessmentIndicator='Y'] + +Indicates that the utility specified in Unit +Charge Utility Type is included in the fee +reported in Unit Charge Amount. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U +NIT_CHARGE[@_PeriodType='Monthly']/UNIT_CHARGE_UTILITY[@_Type= +'Heating' and @_IncludedInAssessmentIndicator='Y'] + +Indicates that the utility specified in Unit +Charge Utility Type is included in the fee +reported in Unit Charge Amount. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U +NIT_CHARGE[@_PeriodType='Monthly']/UNIT_CHARGE_UTILITY[@_Type= +'Cooling' and @_IncludedInAssessmentIndicator='Y'] + +Indicates that the utility specified in Unit +Charge Utility Type is included in the fee +reported in Unit Charge Amount. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U +NIT_CHARGE[@_PeriodType='Monthly']/UNIT_CHARGE_UTILITY[@_Type= +'Electricity' and @_IncludedInAssessmentIndicator='Y'] + +Indicates that the utility specified in Unit +Charge Utility Type is included in the fee +reported in Unit Charge Amount. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U +NIT_CHARGE[@_PeriodType='Monthly']/UNIT_CHARGE_UTILITY[@_Type= +'Gas' and @_IncludedInAssessmentIndicator='Y'] + +Indicates that the utility specified in Unit +Charge Utility Type is included in the fee +reported in Unit Charge Amount. diff --git a/chunks/txt/8014059a530cc1b12e2d6e198919aaa45a2160ed7af4275f13e93a3caa012b30.txt b/chunks/txt/8014059a530cc1b12e2d6e198919aaa45a2160ed7af4275f13e93a3caa012b30.txt new file mode 100644 index 0000000000000000000000000000000000000000..4b90fa2150933887943f1bd3cf9cab160587a9a8 --- /dev/null +++ b/chunks/txt/8014059a530cc1b12e2d6e198919aaa45a2160ed7af4275f13e93a3caa012b30.txt @@ -0,0 +1,68 @@ +21. 3 Amount Financed: Expressed as a dollar amount, with the statement, “The loan amount available after + +paying your upfront finance charge.” + +21. 4 Annual Percentage Rate (APR): Expressed as a percentage, with the statement, “Your costs over the loan + +term expressed as a rate. This is not your interest rate.” + +21. 5 Total Interest Percentage (TIP): Expressed as a percentage, with the statement, “The total amount of + +interest that you will pay over the loan term as a percentage of your loan amount.” This calculation +assumes that the borrower makes each monthly payment in full and on-time, and does not make any +over-payment. + +Loan Calculations + +20.0 + +21.1 Total of Payments. Total you will have paid after you +make all payments of principal, interest, mortgage +insurance, and loan costs, as scheduled. + +21.2 Finance Charge. The dollar amount the loan will cost +you. + +21.3 Amount Financed. The loan amount available after +paying your upfront finance charge. + +21.4 Annual Percentage Rate (APR). Your costs over the +loan term expressed as a rate. This is not your interest +rate. + +$269,574.50 + +$116,884.00 + +$148,367.91 + +4.404% + +Appendix E: UCD Implementation Guide + +Page 219 of 254 + +Version 1.4 + +Uniform Closing Dataset + +21.0 Loan Calculations + +21.5 Total Interest Percentage (TIP). The total amount of +interest that you will pay over the loan term as a +percentage of your loan amount. + +74.66% + +Figure 135. Additional Information about this Loan – Loan Calculations + +Table 148. Loan Calculations Table + +ID + +Form Field Name MISMO v3.3.0 Context MISMO v3.3.0 Data + +Point/Attribute + +MISMO v3.3.0 +Value diff --git a/chunks/txt/802a225a054e07a7b2d6c2b04250fbcc00b6ea91fb138e4d4c4cdaa023ca537d.txt b/chunks/txt/802a225a054e07a7b2d6c2b04250fbcc00b6ea91fb138e4d4c4cdaa023ca537d.txt new file mode 100644 index 0000000000000000000000000000000000000000..188cd87d39bc9a4574019028d3de1c317de6a46c --- /dev/null +++ b/chunks/txt/802a225a054e07a7b2d6c2b04250fbcc00b6ea91fb138e4d4c4cdaa023ca537d.txt @@ -0,0 +1,125 @@ +Appendix F-1: URAR Reference Guide + +Page 209 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +21 Prior Sale and Transfer History + +Prior Sale and Transfer History Details (for Subject and Each Comparable) + +Report +Field ID + +21.002 +21.008 + +Report Label + +When to Include + +Allowable +Answers / Format + +Transfer Terms + +Required for each sale +or transfer if +Ownership Transfer +Type is Sale + +Choose an +allowable answer +from table (Prior +Sale Type) + +Definition / Additional Guidance + +Court Ordered Non-Foreclosure Sale +Estate Sale +Foreclosure Sale +Land Sale +Pre-Subdivision Sale +Sale Between Related Parties +Relocation Sale +REO Post Foreclosure Sale +Short Sale +Typically Motivated +Other (Describe) + +Prior Sale Type: The terms of the prior sale or transfer. +• +• +• +• +• +• +• +• +• +• +• +Note: If more than one Transfer Term applies, select the most applicable one +and provide details in: +• +• + +Analysis of Prior Sale or Transfer History of Subject Property (21.006). +Analysis of Prior Sale or Transfer History of Comparable Sales (21.012). + +Date + +Amount + +21.003 +21.009 + +21.004 +21.010 + +Required for each sale +or transfer + +If available for each +sale or transfer + +mm/dd/yyyy + +The date of the prior sale or transfer. + +Dollar amount + +Prior Sale or Transfer Amount: The dollar amount of the prior sale or transfer. + +Amount + +21.004 +21.010 + +Required for each sale +or transfer if Prior Sale +or Transfer Amount is +not provided + +Choose an +allowable answer +from table +(Reason Price Not +Available) + +Data Source + +21.005 +21.011 + +Required for each sale +or transfer + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column diff --git a/chunks/txt/802d8f48e952c24cf1e284bb3b56840c7f41abf7956d07c28b61c2d7edf665c0.txt b/chunks/txt/802d8f48e952c24cf1e284bb3b56840c7f41abf7956d07c28b61c2d7edf665c0.txt new file mode 100644 index 0000000000000000000000000000000000000000..7164d1dd2f40d5f17a49f2f2f4fb4cc9bea6cd3a --- /dev/null +++ b/chunks/txt/802d8f48e952c24cf1e284bb3b56840c7f41abf7956d07c28b61c2d7edf665c0.txt @@ -0,0 +1,84 @@ +b. + +c. + +If the borrower’s deposit has been applied toward a closing cost, the amount applied should be delivered in the +FEE container with the closing cost line item, with the FeePaymentPaidByType = “Buyer” and the +FeePaymentPaidOutsideOfClosingIndicator = “true”. + +If there was no deposit on the transaction, the three deposit data points must still be delivered as described but +with ClosingCostFundAmount = “0”. + +Figure 31. Rendering Deposit on the CD. + +Summaries of Transactions + +BORROWER’S TRANSACTION + +(11.0 – 13.0) + +12.0 L. Paid Already by or on Behalf of Borrower at Closing + +12.0.1 + +12.1 Deposit + +12.5.1 $10,000.00 + +Table 25. UCD v2.0 Spec Excerpt - Deposit Data Requirements. + +UCD UID MISMO v3.3.0 Data Point + +MISMO v3.3.0 Value + +Implementation Notes + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSING_ +INFORMATION/CLOSING_COST_FUNDS/CLOSING_COST_FUND + +10.029 + +ClosingCostFundAmount + +10000.00 + +Provide "0" if there is no deposit for +the purchase transaction. + +10.028 + +FundsType + +DepositOnSalesContract + +10.160 + +IntegratedDisclosureSectionType PaidAlreadyByOrOnBehalfOfBorrowerAtClosing + +UCD v2.0 Implementation Guide + +- 45 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 32. XML Snippet - Example of Deposit Data. + + +… + + + + + + + + + + +10000.00 + DepositOnSalesContract + PaidAlreadyByOrOnBehalfOfBorrowerAtClosing diff --git a/chunks/txt/802f25d745aad8c3efd5be58df69a7d4a5c04ec650384f129a72c1606fdeb2b8.txt b/chunks/txt/802f25d745aad8c3efd5be58df69a7d4a5c04ec650384f129a72c1606fdeb2b8.txt new file mode 100644 index 0000000000000000000000000000000000000000..ce90304e99e226462dc181f627ad1c0fd5408aaa --- /dev/null +++ b/chunks/txt/802f25d745aad8c3efd5be58df69a7d4a5c04ec650384f129a72c1606fdeb2b8.txt @@ -0,0 +1,85 @@ +Self-Employed Indicator +1=yes; +2=no +Property Type +PT01=Single family detached; +PT02=Deminimus PUD; +PT03=Single Family Attached; +PT04=Two family; +PT05=Townhouse; +PT06=Low-Rise Condominium; +PT07=PUD; +PT08=Duplex; +PT09=three family; +PT10=Four family; +PT11=Hi-Rise condominium; +PT12=Manufactured Home + +ARM Index +01=11th District Cost of Funds; +02=Other Cost of Funds Index; +03=LIBOR; +04=1 year Constant Treasury Rate +99=Not an ARM + +ARM Margin +99999=Not an ARM +Prepayment Penalty Date +12/31/9999=No Prepayment Penalty Date +Borrower Ethnicity +1 -- Hispanic or Latino +2 -- Not Hispanic or Latino +3 -- Information not provided by borrower in mail, Internet, or telephone application + +Page 3 of 5 + +Column + +68 Race2 + +69 Race3 + +70 Race4 + +71 Race5 + +72 CoEth + +73 CoRace2 + +74 CoRace3 + +AMA_PUDB_definitions_123115.xlsx + +Definition +Borrower Race 2 +1 -- American Indian or Alaska Native +2 -- Asian +3 -- Black or African American +4 -- Native Hawaiian or Other Pacific Islander +5 -- White +6 -- Information not provided by borrower in mail, Internet, or telephone application + +Borrower Race 3 +1 -- American Indian or Alaska Native +2 -- Asian +3 -- Black or African American +4 -- Native Hawaiian or Other Pacific Islander +5 -- White +6 -- Information not provided by borrower in mail, Internet, or telephone application + +Borrower Race 4 +1 -- American Indian or Alaska Native +2 -- Asian +3 -- Black or African American +4 -- Native Hawaiian or Other Pacific Islander +5 -- White +6 -- Information not provided by borrower in mail, Internet, or telephone application + +Borrower Race 5 +1 -- American Indian or Alaska Native +2 -- Asian +3 -- Black or African American +4 -- Native Hawaiian or Other Pacific Islander +5 -- White +6 -- Information not provided by borrower in mail, Internet, or telephone application diff --git a/chunks/txt/80442fe8848e1352ae5ea72a6db63fe95bad8f49bc5da9bad55704b5617a5c87.txt b/chunks/txt/80442fe8848e1352ae5ea72a6db63fe95bad8f49bc5da9bad55704b5617a5c87.txt new file mode 100644 index 0000000000000000000000000000000000000000..4ef359f406a45720eb6e531a600c940a1b9ecbf9 --- /dev/null +++ b/chunks/txt/80442fe8848e1352ae5ea72a6db63fe95bad8f49bc5da9bad55704b5617a5c87.txt @@ -0,0 +1,27 @@ +The appraiser will not be required to give testimony or appear in court because he or she made an appraisal of the property in question, +unless specific arrangements to do so have been made beforehand, or as otherwise required by law. + +The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the presence of hazardous +wastes, toxic substances, etc.) that the appraiser became aware of during the development of this appraisal. Unless otherwise stated in this +appraisal report, the appraiser has no knowledge of any hidden or unapparent physical deficiencies or adverse conditions of the property +(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental +conditions, etc.) that would make the property less valuable, and assumes that there are no such conditions and makes no guarantees or +warranties, express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that +might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, this +appraisal report must not be considered as an environmental assessment of the property. + +Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 21 of 22 +Page 21 of 22 + +Certifications + +Appraiser Certifications + +The Appraiser certifies and agrees that: + +1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective +owners or occupants of the subject property, or other parties involved in this transaction. diff --git a/chunks/txt/804885758ae67cc1a9af1bdd38d199e9bdbcfb4a89d402f89711f3859a7601ef.txt b/chunks/txt/804885758ae67cc1a9af1bdd38d199e9bdbcfb4a89d402f89711f3859a7601ef.txt new file mode 100644 index 0000000000000000000000000000000000000000..ef98b9df2ad9499de65ed3b31f90653336db910f --- /dev/null +++ b/chunks/txt/804885758ae67cc1a9af1bdd38d199e9bdbcfb4a89d402f89711f3859a7601ef.txt @@ -0,0 +1,46 @@ +Desktop Underwriter/Desktop Originator Integration Impact Memo +DU Version 11.1 + +Jan. 25, 2023 + +During the weekend of Feb. 25, 2023, Fannie Mae will implement Desktop Underwriter® (DU®) Version 11.1. The +changes in this release will apply to new loan casefiles submitted to DU on or after the weekend of Feb. 25, 2023. Loan +casefiles created in DU Version 11.0 and resubmitted after the weekend of Feb. 25 will continue to be underwritten +through DU Version 11.0. + +Please review this memo, in addition to the Release Notes, to ensure that your integrated system(s) will be prepared +to support this release. + +New, Modified, and Retired DU Underwriting Findings Messages + +This release will introduce new, modified, and retired messages that will be issued in the DU Underwriting Findings +report. + +How will this affect my integrated system(s)? + +Integrated systems that parse the DU Underwriting Findings report data file (RES file), or Codified Findings (XML file) +may require updates to support the message changes. Integrated systems parsing the DU Underwriting Findings via +the DU Messages API may also require updates to support the message changes. Reference the table below for a +preliminary assessment of the anticipated message changes. + +New Messages + +Modified Messages + +Retired Messages + +1 + +4 + +4 + +The final DU messages file will be distributed via email from Integration News (integration_news@fanniemae.com) to +authorized subscribers on or about Jan. 25, 2023. + +HomeStyle Renovation Update + +DU will now identify HomeStyle® Renovation loan casefiles using the Renovation Loan Indicator with the total dollar +amount spent on renovations to the subject property (see details below), both data points must be provided in the +loan application submission file for the loan to be underwritten as a HomeStyle Renovation loan. This enhancement +will allow lenders to use these fields separately for transactions that are not HomeStyle Renovation loans. diff --git a/chunks/txt/805dc54e612d7bc512906fcd7969dfc9c3f7b3c51d4bf001f48e0c6e572652e8.txt b/chunks/txt/805dc54e612d7bc512906fcd7969dfc9c3f7b3c51d4bf001f48e0c6e572652e8.txt new file mode 100644 index 0000000000000000000000000000000000000000..1421492bee349ad518fb80b5a4e217852f2e3706 --- /dev/null +++ b/chunks/txt/805dc54e612d7bc512906fcd7969dfc9c3f7b3c51d4bf001f48e0c6e572652e8.txt @@ -0,0 +1,120 @@ +May be provided to further +identify the photo or image + +Required if a physical +defect, damage, or +deficiency + +Vehicle Storage Exhibits + +Required for each photo or +image + +Amenity Type +Example: Deck + +May be provided to further +identify the photo or image + +14 + +Subject +Property +Amenities + +Apparent Defects, +Damages, Deficiencies - +Feature + +May be provided to further +identify the photo or image + +Required if a physical +defect, damage, or +deficiency + +Subject Property +Amenities Exhibits + +Required for each photo or +image + +15 + +16 + +Overall +Quality and +Condition +Highest and +Best Use + +Highest and Best Use +Exhibits + +17 + +Market + +Absorption Rate + +Median Days on Market + +Percent of Distressed +Sales + +Price Trend + +Year Built of Sales + +Required for each photo or +image +May be provided to further +identify the image +May be provided to further +identify the image +May be provided to further +identify the image +May be provided to further +identify the image +May be provided to further +identify the image + +Large photo at the top of the +section (identified as +Outbuilding Exhibit) +The photo must be associated +with the specific Defect, +Damage, or Deficiency. See +12.020. +Photos of room(s) that are in +the Outbuilding Area table +(not in the ADU portion of the +outbuilding) are identified as +Outbuilding Exhibits. +See 12.012 +All photos of the outbuilding +(other than defects) are +identified as Outbuilding +Exhibits. +The photo must be associated +with the specific Vehicle +Storage Type. See 13.001. +The photo must be associated +with the specific Defect, +Damage, or Deficiency. See +13.005. +Photos or images related to +the Vehicle Storage section +that are not specified above. +The photo must be associated +with the specific Amenity Type. +See 14.002. +The photo must be associated +with the specific Defect, +Damage, or Deficiency. See +14.006. +Photos or images related to +the Subject Property +Amenities section that are not +specified above. diff --git a/chunks/txt/8060bd8e9428a611f93daadbd7d82db68cf69dde295e761e6e46b74215c96074.txt b/chunks/txt/8060bd8e9428a611f93daadbd7d82db68cf69dde295e761e6e46b74215c96074.txt new file mode 100644 index 0000000000000000000000000000000000000000..ddf4b3e4b8277b90b20ceef5d5ad43da24b1a85c --- /dev/null +++ b/chunks/txt/8060bd8e9428a611f93daadbd7d82db68cf69dde295e761e6e46b74215c96074.txt @@ -0,0 +1,156 @@ +• + +Appendix F-1: URAR Reference Guide + +Page 246 of 375 + +Version 1.3 + +Notes: +2- to 4-unit properties are identified using Units Excluding ADUs +between 2 and 4. + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Report +Field ID + +Report Label + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: Unit(s) + +Free-form + +For properties with +more than one unit, +when the unit is not an +ADU + +Unit Interior +• + +Structure Identifier +10.001 + +No + +For the subject property, Structure Identifier 10.001 redisplays from each +Unit Interior section if applicable. + +Examples: Building 1, Building 2 + +22.07.01 +22.07.17 + +Structure ID | +Unit ID + +22.07.01 +22.07.17 + +Structure ID | +Unit ID + +For properties +with more +than one unit, +when the unit +is not an ADU +for the subject +or any +comparable + +For properties +with more +than one unit, +when the unit +is not an ADU +for the subject +or any +comparable + +Not on +Report + +N/A + +This is an +appraiser +input that +does not +display in the +sales grid + +22.07.02 +22.07.18 + +Location of +ADU + +22.07.02 +22.07.18 + +Location of +ADU + +If Unit is an +ADU is Yes for +the subject or +any +comparable + +If Unit is an +ADU is Yes for +the subject or +any +comparable + +When there are +multiple units on the +property: +• + +Free-form + +Unit Interior +• + +Unit Identifier +10.002 + +No + +Unit Identifier: An identifier assigned by the appraiser that differentiates +between multiple units on the property. + +Examples: Unit 1, Unit 2, Primary Dwelling, ADU + +• + +Units Excluding +ADUs is more +than 1, or +Number of ADUs +on Property is 1 +or more (Does +not display in +sales grid) diff --git a/chunks/txt/806ddb32c1a518af190acdc77a96064a0d26cf6c7bef2c3d0bb23426e9d42841.txt b/chunks/txt/806ddb32c1a518af190acdc77a96064a0d26cf6c7bef2c3d0bb23426e9d42841.txt new file mode 100644 index 0000000000000000000000000000000000000000..c419396912041dbf49d8a3df59144d13d923835f --- /dev/null +++ b/chunks/txt/806ddb32c1a518af190acdc77a96064a0d26cf6c7bef2c3d0bb23426e9d42841.txt @@ -0,0 +1,166 @@ +Figure 20. Purpose = Construction + +The required data points Table 34 are for a loan for the cost of building a structure on land already owned by the +borrower. + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +Table 34. Purpose = “Construction” + +3.2 + +Purpose + +…/INTEGRATED_DIS +CLOSURE_DETAIL + +IntegratedDisclosure +HomeEquityLoanIndi +cator + +false + +…/LOAN/LOAN_DET +AIL + +ConstructionLoanInd +icator + +true + +Not shown unless +value = “true” + +Represented as +“Construction” on +form + +Appendix E: UCD Implementation Guide + +Page 51 of 254 + +Version 1.4 + +Uniform Closing Dataset + +3.0 Loan Information + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data + +Point/Attribute MISMO v3.3.0 Value + +Notes + +Table 34. Purpose = “Construction” + +UID +16.015 + +N/A – GSE + +UID +3.016 + +N/A – GSE + +…/LOAN/LOAN_DET +AIL/EXTENSION/OTH +ER + +…/LOAN/TERMS_OF +_LOAN + +gse:SubordinateFina +ncingIsNewIndicator + +false + +Not shown – data +clarity + +LienPriorityType + +FirstLien + +Not shown – data +clarity + +Not shown – data +clarity + +3.2 + +Purpose + +LoanPurposeType + +Refinance + +5. HOME EQUI TY LOAN + +The final allowable Purpose is for a Home Equity Loan. + +3.0 Loan Information + +3.1 Loan Term 30 Years + +3.2 Purpose Home Equity Loan + +3.3 Product + +Fixed + +Figure 21. Purpose = “Home Equity Loan” + +Table 35. Purpose = “Home Equity Loan” + +ID + +Form Field +Name + +3.2 + +Purpose + +MISMO v3.3.0 Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO +v3.3.0 Value + +Notes + +…/INTEGRATED_DISCLOSUR +E_DETAIL + +IntegratedDisclosureHo +meEquityLoanIndicator + +true + +Represented as “Home +Equity Loan” on form + +…/LOAN/LOAN_DETAIL diff --git a/chunks/txt/806f8ae8db8398bf15ed481c2c753db3a90d47b968be24b5c78061572b7a6681.txt b/chunks/txt/806f8ae8db8398bf15ed481c2c753db3a90d47b968be24b5c78061572b7a6681.txt new file mode 100644 index 0000000000000000000000000000000000000000..1031b164006b1fc8462e3e7028cf5b7e139c0de5 --- /dev/null +++ b/chunks/txt/806f8ae8db8398bf15ed481c2c753db3a90d47b968be24b5c78061572b7a6681.txt @@ -0,0 +1,9 @@ +Irreflexive Relationship .......................................................................................................... 9 + +Rules for XLink Relationships .................................................................................................. 10 + +Overview ........................................................................................................................... 10 + +RELATIONSHIP Element Types “From” and “To” End Point Conditions ................................... 11 + +RELATIONSHIP Element Attributes: from, to and arcrole ........................................................ 12 diff --git a/chunks/txt/807034b872fe346ba5aef4cbf837f38b7224f4b575ab9879a9ed7664a0d26859.txt b/chunks/txt/807034b872fe346ba5aef4cbf837f38b7224f4b575ab9879a9ed7664a0d26859.txt new file mode 100644 index 0000000000000000000000000000000000000000..de7f0f94861c5e78d884e5ffdc0ed2b575f92b20 --- /dev/null +++ b/chunks/txt/807034b872fe346ba5aef4cbf837f38b7224f4b575ab9879a9ed7664a0d26859.txt @@ -0,0 +1,37 @@ +Appraiser Reference ID +Agency Case File ID +Client Reference ID +AMC Reference ID + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27) + +Master Report Sketch_(cid:18)(cid:17)(cid:64)mv0(cid:25) + +Uniform Residential Appraisal Report + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20) + +Page [Page] of [Pages] + +Sketch + +Sketch or Floor Plan Not Available + +(cid:26)(cid:17)(cid:19)(cid:19)(cid:19) + +Measurement Standard + +(cid:26)(cid:17)(cid:19)(cid:19)(cid:20) + +(cid:26)(cid:17)(cid:19)(cid:19)(cid:21)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:26)(cid:17)(cid:19)(cid:19)(cid:21)(cid:17)(cid:21) + +Sketch Commentary + +(cid:26)(cid:17)(cid:19)(cid:19)(cid:22) + +Appraisal Version # + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21) diff --git a/chunks/txt/8087b9fcc6f98695042305c21f659d3a5515e210d73733a0bb2ea748b92329f7.txt b/chunks/txt/8087b9fcc6f98695042305c21f659d3a5515e210d73733a0bb2ea748b92329f7.txt new file mode 100644 index 0000000000000000000000000000000000000000..4bb0b56a122038bdce8ec225e1f4d76a1ded53b0 --- /dev/null +++ b/chunks/txt/8087b9fcc6f98695042305c21f659d3a5515e210d73733a0bb2ea748b92329f7.txt @@ -0,0 +1,13 @@ +# William J. Pulte, Director + +## U.S. Federal Housing + +On March 14, 2025, William J. Pulte was sworn in as the 5th Director of U.S. Federal Housing, following his nomination by U.S. President Donald J. Trump and bipartisan confirmation by the U.S. Senate. In this role, Pulte oversees Fannie Mae, Freddie Mac, and the Federal Home Loan Banks. + +Before his appointment, Pulte had a longstanding career in homebuilding, housing products, and community development. In 2011, Pulte founded Pulte Capital Partners LLC, an investment firm that focuses on building and housing products. He also served on the board of Pulte Homes, a Fortune 500 company and one of the largest homebuilders in the country. + +Beyond business, Pulte is recognized for his philanthropy. Pulte founded the Blight Authority, a nonprofit organization dedicated to removing urban blight in Detroit, MI, St. Louis, MO, and Pontiac, MI. Pulte also started Twitter philanthropy, giving hundreds of thousands of dollars to numerous causes directly on Twitter (now X), and engaging millions of followers in the process. + +Pulte graduated from Northwestern University. + +function createDownloadButtonsSection() { // Create container elements with styles const outerDiv = document.createElement('div'); Object.assign(outerDiv.style, { display: 'flex', fontSize: '1.1rem', justifyContent: 'center', marginRight: '22px', marginTop: '10px' }); const innerDiv = document.createElement('div'); Object.assign(innerDiv.style, { display: 'flex', flexDirection: 'column', width: '95%' }); // Button configurations const buttonConfigs = [ { text: 'Download JPG', href: 'https://www.fhfa.gov/image/Director-William-J-Pulte-Portrait.jpg', styles: { backgroundColor: 'var(--color-fhfa-primary)', marginBottom: '1rem', marginTop: '1rem' } }, { text: 'Download JPG (Large)', href: 'https://www.fhfa.gov/image/Director-William-J-Pulte-Portrait-Large.jpg', styles: { backgroundColor: 'var(--color-fhfa-primary)', marginBottom: '1rem' } }, { text: 'Download TIFF', href: 'https://www.fhfa.gov/image/Director-William-J-Pulte-Portrait-Large.tiff', styles: { backgroundColor: 'var(--color-fhfa-primary)' } } ]; // Create and append buttons buttonConfigs.forEach(config => { const button = document.createElement('a'); button.setAttribute('download', ''); button.className = 'usa-button'; button.href = config.href; button.textContent = config.text; // Apply styles Object.assign(button.style, config.styles); innerDiv.appendChild(button); }); // Assemble and return outerDiv.appendChild(innerDiv); return outerDiv; } // Create and add to the document const downloadSection = createDownloadButtonsSection(); document.querySelector('.profile-picture').appendChild(downloadSection); diff --git a/chunks/txt/808aec622926097b39381535be74a9334c8ca388566fc50b1fe93d03e40e80bb.txt b/chunks/txt/808aec622926097b39381535be74a9334c8ca388566fc50b1fe93d03e40e80bb.txt new file mode 100644 index 0000000000000000000000000000000000000000..302fd3cf328db552ad23cb4d6f431e4f31c1cd5b --- /dev/null +++ b/chunks/txt/808aec622926097b39381535be74a9334c8ca388566fc50b1fe93d03e40e80bb.txt @@ -0,0 +1,7 @@ +Assignment Information and Scope of Work Commentary (H1) ........................................................................ 82 + +Certifications and Scope of Work ................................................................................................................... 83 + +Scope of Work (H1) ............................................................................................................................................. 83 + +Intended Use (H1) ............................................................................................................................................... 83 diff --git a/chunks/txt/80979d59cc075e680bdfec3fbc259b113b3f6a04c651e029d1d54f1d367e3490.txt b/chunks/txt/80979d59cc075e680bdfec3fbc259b113b3f6a04c651e029d1d54f1d367e3490.txt new file mode 100644 index 0000000000000000000000000000000000000000..87a36bf3b60e4864c0d704b26e0529cf8d59fe38 --- /dev/null +++ b/chunks/txt/80979d59cc075e680bdfec3fbc259b113b3f6a04c651e029d1d54f1d367e3490.txt @@ -0,0 +1,120 @@ +Although the information is similar for appraisers and supervisors, the data points are different and clients require an additional PartyRoleType, +therefore they are split out in this document. + +Appraiser + +Information about the appraiser, PartyRoleType (UID: 2200.0105, FID: 05.038) = “Appraiser”, always displays. + +Note: To easily find data points in the Restricted Appraisal Update Report + +Specification, search for “Appraiser” under the “Additional Context” column. + +Page 29 + +Report +Field ID + +Report Label + +Unique ID MISMO Data Point Name + +Display Rules + +Assignment Information: Contact Information – Appraiser + +04.011 Name + +2200.0095 FirstName + +2200.0097 MiddleName + +2200.0096 LastName + +2200.0098 SuffixName + +04.012 Designation + +2400.0448 AppraiserDesignationType + +04.013 + +Company Name + +2400.0444 AppraiserCompanyName + +04.014 + +Company +Address + +2400.0439 AddressLineText + +2400.0440 CityName + +2400.0442 StateCode + +2400.0441 PostalCode + +Always displays + +Display when provided + +Always displays + +Display when provided + +Display when provided + +Always displays + +Always displays + +Always displays + +Always displays + +Always displays + +Page 30 + +Assignment Information: Contact Information – Appraiser + +Report +Field ID + +Report Label + +Unique ID MISMO Data Point Name + +Scope of Inspection by Appraiser + +Subject Property Inspection + +Display Rules + +Always displays + +04.015 + +Exterior + +04.016 + +Interior + +2400.0289 PropertyExteriorInspectionMethodType + +2400.0290 PropertyInteriorInspectionMethodType + +Always displays + +Always displays + +04.017 + +Inspection Date + +2400.0288 InspectionDate + +Display when provided. +When not provided, do not display report label. diff --git a/chunks/txt/809a0c02ee60fc1806fec2f8d3ba6a122becc1b052efdcaf69ed4ca0f963e65e.txt b/chunks/txt/809a0c02ee60fc1806fec2f8d3ba6a122becc1b052efdcaf69ed4ca0f963e65e.txt new file mode 100644 index 0000000000000000000000000000000000000000..43d41889581829dbd0393ac0e6373afa8718af6e --- /dev/null +++ b/chunks/txt/809a0c02ee60fc1806fec2f8d3ba6a122becc1b052efdcaf69ed4ca0f963e65e.txt @@ -0,0 +1,119 @@ +Appendix F-1: URAR Reference Guide + +Page 169 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +14 Subject Property Amenities + +Apparent Defects, Damages, Deficiencies (Subject Property Amenities) + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +14.005 N/A + +Required if Property +Amenities Exist is Yes + +Yes |No + +14.005 N/A + +Displays when Subject +Property Amenities +Defects Exist is Yes + +N/A + +Definition / Additional Guidance + +Subject Property Amenities Defects Exist: Indicates whether there are apparent +defects, damages, or deficiencies related to any subject property amenity. +• + +If No, “None” displays and the Apparent Defects, Damages, Deficiencies +(Subject Property Amenities) table does not display. + +The items listed below represent the As Is condition as of the effective date of +this report + +Information About Each Defect, Damage, or Deficiency + +Apparent Defects, Damages, Deficiencies (Subject Property Amenities) + +Report +Field ID + +Report Label + +When to Include + +14.006 + +Feature + +Required for each +defect, damage, or +deficiency + +14.007 + +Location + +14.008 Description + +14.009 Affects + +Soundness or +Structural +Integrity + +14.010 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 + +Allowable +Answers / Format + +Choose an +allowable answer +from table +(Property +Amenities and +Categories) + +Other (Describe) + +Definition / Additional Guidance + +The Amenity Type that has the defect, damage, or deficiency. + +Note: Photos or images must be provided for each physical defect, damage, or +deficiency. These display in Subject Property Amenity Exhibits as “Apparent +Defects, Damages, Deficiencies” with the indicated Feature. An additional +caption may be provided. diff --git a/chunks/txt/80aa17b4e6d90c003fc7c81e3ef0a5bce084ee9bf9ea656e885da3394524a0bf.txt b/chunks/txt/80aa17b4e6d90c003fc7c81e3ef0a5bce084ee9bf9ea656e885da3394524a0bf.txt new file mode 100644 index 0000000000000000000000000000000000000000..6a0f20788e7192801c5c8811b403d5ead81d1b4b --- /dev/null +++ b/chunks/txt/80aa17b4e6d90c003fc7c81e3ef0a5bce084ee9bf9ea656e885da3394524a0bf.txt @@ -0,0 +1,102 @@ +2 + +Detail +Pavers + +Attached +400 Sq. Ft. + +Apparent Defects, Damages, Deficiencies (Vehicle Storage) + +None + +Vehicle Storage Commentary + +The subject features an attached 2 car garage with electric garage door opener. + +Subject Property Amenities + +Amenity Category +Outdoor Living + +Subject Property Amenity +Patio + +Porch + +Material +Pavers + +Composite + +Detail +120 Sq. Ft. + +120 Sq. Ft. +Attached to Manufactured Home + +Apparent Defects, Damages, Deficiencies (Subject Property Amenities) + +None + +Subject Property Amenities Commentary + +The subject porch was site built at the time of installation and set-up. The dwelling was designed and constructed to accommodate the porch +and garage. The patio is free standing and not attached to the dwelling. + +Overall Quality and Condition + +Overall Quality + +Exterior Quality +Interior Quality + +Q3 +Q3 +Q3 + +Overall Condition + +Exterior Condition +Interior Condition + +C2 +C2 +C2 + +Reconciliation of Overall Quality and Condition + +The overall quality and condition ratings are reflective of the interior and exterior quality and condition ratings. + +Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 10 of 20 + +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 legally permissible and physically possible under the current zoning, 1-5 MH Residential, which allows for manufactured and +modular homes on a minimum 12,000 square foot lot. Analysis indicates that the subject is in a market area of similar sized lots that are +improved with comparable manufactured and modular homes demonstrating market acceptance. Sales prices of vacant and improved +properties support the conclusion that the subject represents the highest and best use as improved. The property is outside the city limits and +all types of single family homes are appropriate. diff --git a/chunks/txt/80b33330a7e24f11b3e875a9a8c61ea6372f9839cb540be7737afcc444b2ae7c.txt b/chunks/txt/80b33330a7e24f11b3e875a9a8c61ea6372f9839cb540be7737afcc444b2ae7c.txt new file mode 100644 index 0000000000000000000000000000000000000000..bed0f49cc516a0cff34c0f7281f229d2d3635fda --- /dev/null +++ b/chunks/txt/80b33330a7e24f11b3e875a9a8c61ea6372f9839cb540be7737afcc444b2ae7c.txt @@ -0,0 +1 @@ +Description Format FHLBank Membership as of September 30, 2025 [[XLSX]](/document/fhlb_members_q32025.xlsx) ​FHLBank Membership as of June 30, 2025 [[XLSX]](/document/fhlb_members_q22025.xlsx) ​FHLBank Membership as of March 31, 2025 [[XLSX]](/document/fhlb_members_q12025.xlsx) FHLBank Membership as of December 31, 2024 [[XLSX]](/document/fhlb_members_q42024.xlsx) FHLBank Membership as of September 30, 2024 [[XLSX]](/sites/default/files/2024-11/FHLB_Members_Q32024.xlsx) FHLBank Membership as of June 30, 2024 [[XLSX]](/sites/default/files/2024-08/FHLB_Members_Q22024.xlsx) ​​FHLBank Membership as of March 31, 2024 ​​[[XLSX]](/sites/default/files/2024-05/FHLB_Members_Q12024.xlsx)​ FHLBank Membership as of December 31, 2023 [[XLSX]](/sites/default/files/2024-02/FHLB_Members_Q42023_Release.xlsx) FHLBank Membership as of September 30, 2023 [[XLSX]](/sites/default/files/2024-02/FHLB_Members_Q32023_Release.xlsx) ​FHLBank Membership as of June 30, 2023 ​​[[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q22023_Release.xlsx) ​FHLBank Membership as of March 31, 2023 ​​[[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q12023_Release.xlsx) FHLBank Membership as of December 31, 2022 ​​[[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q42022_Release.xlsx) ​FHLBank Membership as of September 30, 2022 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q32022_Release.xlsx) ​​FHLBank Membership as of June 30, 2022 ​​[[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q22022_Release.xlsx) ​​FHLBank Membership as of March 31, 2022 ​​[[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q12022_Release.xlsx) FHLBank Membership as of December 31, 2021 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q42021_Release.xlsx) FHLBank Membership as of September 30, 2021 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q32021_Release.xlsx) ​FHLBank Membership as of June 30, 2021 ​​[[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q22021_Release.xlsx) FHLBank Membership as of March 31, 2021 [​[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q12021_Release.xlsx) FHLBank Membership as of December 31, 2020 [​​[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q42020_Release.xlsx) FHLBank Membership as of September 30, 2020 ​​​​ [​​[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q32020.xlsx) ​FHLBank Membership as of June 30, 2020 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q22020.xlsx) ​FHLBank Membership as of March 31, 2020 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q12020.xlsx) ​FHLBank Membership as of December 31, 2019 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_Q42019_Release.xlsx) FHLBank Membership as of September 30, 2019 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_Q32019.xlsx) ​FHLBank Membership as of June 30, 2019 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_Q22019_Release.xlsx) FHLBank Membership as of March 31, 2019 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_Q12019.xlsx) ​FHLBank Membership as of December 31, 2018 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_12312018.xlsx) FHLBank Membership as of September 30, 2018 [[XLSX]](/sites/default/files/2023-10/FHLB-Members-09302018.xlsx) FHLBank Membership as of June 30, 2018 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_Q22018_Release.xlsx) ​FHLBank Membership as of March 31, 2018 [[XLSX]​](/sites/default/files/2023-10/FHLB_Members_Q12018_Release.xlsx) FHLBank Membership as of December 31, 2017 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q42017_Release.xlsx) ​FHLBank Membership as of September 30, 2017 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q32017_Release.xlsx) ​FHLBank Membership as of June 30, 2017 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q22017_Release.xls) ​FHLBank Membership as of March 31, 2017 [[XLS]](/sites/default/files/2023-10/FHLB_Members_Q12017_Release.xls) ​FHLBank Membership as of December 31, 2016 [[XLSX]](/sites/default/files/2023-10/FHLB_Members_Q42016_Release.xlsx) FHLBank Membership as of Sept diff --git a/chunks/txt/80b6ad0b7303b6f7cb8fdd3360afda26cc51e1acfdb3b8e1c9c69c08638d2966.txt b/chunks/txt/80b6ad0b7303b6f7cb8fdd3360afda26cc51e1acfdb3b8e1c9c69c08638d2966.txt new file mode 100644 index 0000000000000000000000000000000000000000..4cf87522354c98e205cda960d15e8fca67712e19 --- /dev/null +++ b/chunks/txt/80b6ad0b7303b6f7cb8fdd3360afda26cc51e1acfdb3b8e1c9c69c08638d2966.txt @@ -0,0 +1,31 @@ +“RecordingFeeForDeed | Recording FeeForMortgage” and UID 8.197 – FeeType = +“RecordingFeeTotal”). + +Correction + +2. The GSEs are clarifying what value is expected for RecordingFeeTotal in CEM Sort ID 45 (UID + +8.193-FeeActualPaymentAmount). CFPB’s Integrated Disclosure regulation states that the amount +for RecordingFeeTotal should be the sum of the amounts for ALL recording fees that are part of +the transaction. Consequently, we are removing previous guidance (shown in strike-through below) +that the value be the sum of only the FeeActualTotalAmounts for RecordingFeeforDeed and +RecordingFeeforMortgage. Additionally, the critical edits corresponding with this change have +been withdrawn. + +If there are recording fees in addition to RecordingFeeForMortgage and RecordingFeeforDeed, +those fees should be included in the RecordingFeeTotal. The additional recording fees may be +itemized and included by the lender under CD Section E. Taxes and Other Government Fees as +well as in the UCD file. However, the GSEs will not be enforcing the additional recording fee data +or validating sums via critical edits. + +The GSEs are clarifying that the value expected for RecordingFeeTotal in CEM Sort ID 45 +(UID 8.193- FeeActualPaymentAmount) is the sum of the UID 8.206 | 8.195- +FeeTotalPaymentAmount values for when FeeType=”RecordingFeeForDeed” | +“RecordingFeeForMortgage” only. + +3. Only one row in CEM is changing. The additional tax-related enumerations have been added to +CEM Sort ID 46. All the critical edits associated with what are currently labeled “Transfer Taxes” +(CEM Sort IDs 46-50) will apply to FeeTypes with these new enumerations—including new +FeeTypes values for Recording Fees and any other non-transfer taxes. The new enumerations will +also be added to UID 8.196-FeeType, currently designated for “Transfer Taxes” and associated +with CD Field IDs 8.3.n. diff --git a/chunks/txt/80c279efcb9cf3156197a67e426ec118a2c5ab136aa946694aa747c98408d72e.txt b/chunks/txt/80c279efcb9cf3156197a67e426ec118a2c5ab136aa946694aa747c98408d72e.txt new file mode 100644 index 0000000000000000000000000000000000000000..be7c799c3debd6f94f7db63ccfc990266b7fb918 --- /dev/null +++ b/chunks/txt/80c279efcb9cf3156197a67e426ec118a2c5ab136aa946694aa747c98408d72e.txt @@ -0,0 +1,49 @@ +## Breadcrumb + +- [Home](/) + - [News](/news) + - News Releases + +- [News Releases](/news/news-release) + - [Speeches](/news/speech) + - [Statements](/news/statement) + - [Testimonies](/news/testimony) + - [Fact Sheets](/news/fact-sheet) + +#### Search & Filter + +Keyword + +Date Range From: + +To: + +Items per page 10 25 50 + +## Search & Filter + +Keyword + +Date Range From: + +To: + +Items per page 10 25 50 + +- News Release + +January 27, 2026 + +## [FHFA House Price Index® Up 0.6 Percent in November; Up 1.9 Percent from Last Year](/news/news-release/fhfa-house-price-indexr-up-0.6-percent-in-november-up-1.9-percent-from-last-year) + +Washington, D.C. – U.S. house prices rose 0.6 percent in November, according to the U.S. Federal Housing (FHFA) seasonally adjusted monthly House Price Index (FHFA HPI®). House prices rose 1.9 percent from November 2024 to November 2025. The previously reported 0.4 percent price change in October... + - News Release + +January 23, 2026 + +## [U.S. Federal Housing Receives ‘Best Result’ from Annual GAO Audit, Publishes Accountability Report Documenting Agency Achievements](/news/news-release/u.s.-federal-housing-receives-best-result-from-annual-gao-audit) + +Washington, D.C. – U.S. Federal Housing’s (Federal Housing Finance Agency’s) annual Performance and Accountability Report published today, showing the Agency’s clean audit results from the U.S. Government Accountability Office (GAO). The report also documents the Agency’s success in securing the... + - News Release + +December 30, 2025 diff --git a/chunks/txt/80e4b646a13d3d1ca24e09f18b1443beb4e5a369cdd2bd9aec2cdd3a4a666bd6.txt b/chunks/txt/80e4b646a13d3d1ca24e09f18b1443beb4e5a369cdd2bd9aec2cdd3a4a666bd6.txt new file mode 100644 index 0000000000000000000000000000000000000000..bcff5c3cfda9c6fa7b153eb84994f2c47737883a --- /dev/null +++ b/chunks/txt/80e4b646a13d3d1ca24e09f18b1443beb4e5a369cdd2bd9aec2cdd3a4a666bd6.txt @@ -0,0 +1,44 @@ +When an appraiser trainee (licensed or unlicensed) has the requisite knowledge and develops the opinion of value, they must: + +sign the appraiser certification as the appraiser accepting responsibility for all elements of the report, +indicate whether they did or did not personally inspect the subject property, and + +• +• +• have a supervisory appraiser review their work and sign the supervisory appraiser certifications as acceptable under + +state law. + +When an appraiser trainee (licensed or unlicensed) provides significant real property appraisal assistance but does not develop +the opinion of value, they must: + +• work under the supervision of a state-licensed or state-certified appraiser as an employee or sub-contractor; +• be named in the appraiser certification, and the signing appraiser must certify that the individual named is qualified to + +perform the assistance; +not sign the appraiser certification; and +be acceptable under state law. + +• +• + +If the jurisdiction does not provide credential numbers for appraiser trainees, the Credential Type selected in the appraisal report +should be “None.” + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 48 of 166 + +UAD 3.6 Policy + +Knowledge and Experience + +Lenders must use appraisers that + +• have the requisite knowledge required to perform a professional quality appraisal for the specific geographic location + +and particular property type; and + +• have the requisite knowledge about, and access to, all necessary and appropriate local data sources for the subject + +property's geographic area, including multiple listing service(s) and government records. diff --git a/chunks/txt/80e50c09507a18cbacad1cd63d7d188ff3da70d8ff40dedf7bf366ad996f2807.txt b/chunks/txt/80e50c09507a18cbacad1cd63d7d188ff3da70d8ff40dedf7bf366ad996f2807.txt new file mode 100644 index 0000000000000000000000000000000000000000..a21af2611327b38dba952e780b44eb8111da8010 --- /dev/null +++ b/chunks/txt/80e50c09507a18cbacad1cd63d7d188ff3da70d8ff40dedf7bf366ad996f2807.txt @@ -0,0 +1,40 @@ +The value for “M. Other Credits” in the DU Spec has been split into two data points: PurchaseCreditType +and ClosingAdjustmentItemType. The respective amounts for these data points shall be provided under +PurchaseCreditAmount and ClosingAdjustmentItemAmount. DU will add these amounts as it does in the +case of other total amounts. + +There are instances in the DU Spec when multiple data points are used to represent a single value. This +is the case when MISMO does not have one data point that includes all different types of values, i.e. +Other Credits. + +Homeownership Education and Housing Counseling + +This section was removed from the redesigned URLA form and included on the Supplemental Consumer +Information Form and is in the DU Spec as section Homeownership Education and Housing Counseling. +FHA loans require the counseling type indicators and based on the response provided, the name of the + +DU Spec Implementation Guide + +Fannie Mae Proprietary & Confidential + +30 + +the housing +counseling agency, +counseling/education program. Conventional loans conditionally require counseling type indicators. The +data points for this section are currently optional for VA loans. + +the borrower’s name, and + +the completion of + +the date of + +Implementing ArcRoles in the XML file +ArcRoles are required when a relationship within the XML file is not established through +containment. ArcRoles allow for relationships between containers in different areas of the XML +file. These relationships can be established by following the list of available ArcRoles in the +corresponding ArcRole tab of the DU Spec. Other relationships not included in the DU Spec will +be ignored by DU or may even result in a transaction error. For more information on the +notation or a step-by-step explanation on how to build an ArcRole, please refer to the following +joint GSE publication: diff --git a/chunks/txt/80fe55295796bb9b424cc7f881d950a07b12d8b8249ef9670293ba493a1b2a2e.txt b/chunks/txt/80fe55295796bb9b424cc7f881d950a07b12d8b8249ef9670293ba493a1b2a2e.txt new file mode 100644 index 0000000000000000000000000000000000000000..8d95e025fb42d803c72b98477f69c8648ee40620 --- /dev/null +++ b/chunks/txt/80fe55295796bb9b424cc7f881d950a07b12d8b8249ef9670293ba493a1b2a2e.txt @@ -0,0 +1,89 @@ +Attic Feature Exists +Indicator + +Indicates if the feature specified in +Attic Feature Type is present in the +structure. + +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/ATTIC/ATTIC_FEATURE[@_Type +='Heated']/@_ExistsIndicator + +Heating Type + +Specifies the type of heating. + +Heating Type + +Specifies the type of heating. + +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/HEATING[@_Type='ForcedWarmAi +r'] + +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/HEATING[@_Type='HotWaterBaseb +oard'] + +1 + +1 + +1 + +1 + +1 + +Boolean + +A value of 'Y' indicates that stairs exist, a value of 'N' indicates that the box +has not been checked. + +Boolean + +A value of 'Y' indicates that floors exist, a value of 'N' indicates that the box +has not been checked. + +Boolean + +A value of 'Y' indicates that a scuttle exists, a value of 'N' indicates that the +box has not been checked. + +Boolean + +A value of 'Y' indicates that the attic is finished, a value of 'N' indicates that +the box has not been checked. + +Boolean + +A value of 'Y' indicates that the attic is heated, a value of 'N' indicates that the +box has not been checked. + +17 + +Enumerated + +UAD Instruction - Refer to Appendix D Improvements Section +A separate Heating data point should be provided for each box that is checked. + +17 + +Enumerated + +UAD Instruction - Refer to Appendix D Improvements Section +A separate Heating data point should be provided for each box that is checked. + +Heating Type + +Specifies the type of heating. + +/VALUATION_RESPONSE/PROPERTY/STR +UCTURE/HEATING[@_Type='Radiant'] + +17 + +Enumerated + +UAD Instruction - Refer to Appendix D Improvements Section +A separate Heating data point should be provided for each box that is checked. diff --git a/chunks/txt/811c5b90ec8b6ec165ef204591f065835fc656dfd54002bd1411c4fcbd9b4af8.txt b/chunks/txt/811c5b90ec8b6ec165ef204591f065835fc656dfd54002bd1411c4fcbd9b4af8.txt new file mode 100644 index 0000000000000000000000000000000000000000..01fbfccdf6db52068b2daa7b66653299af1ae3a3 --- /dev/null +++ b/chunks/txt/811c5b90ec8b6ec165ef204591f065835fc656dfd54002bd1411c4fcbd9b4af8.txt @@ -0,0 +1,46 @@ +Fannie Mae will initially update the beneficiary address information for existing wiring +instructions based on wiring instruction Receiver Type in Loan Delivery using the following +methodology: + +• + +• + +• + +If the Receiver Type is set to “Seller”, Fannie Mae will use the address provided on +the Lender Record Information (Form 582) +If the Receiver Type is set to “Warehouse Lender”, Fannie Mae will use the address +provided at the time of the warehouse lender’s registration (or the address most +recently provided to Fannie Mae by the warehouse lender that is reflected in Fannie +Mae’s systems) +If the Receiver Type is set to “Disbursement Agent”, Fannie Mae will use the address +provided at the time of the disbursement agent’s registration (or the address most + +© 2023 Fannie Mae Page 1 of 6 + +Effective +Date + +Impacted Area + +Description + +recently provided to Fannie Mae by the disbursement agent that is reflected in +Fannie Mae’s systems) +If a Seller would like to update the beneficiary address, the updated Form 482 will +need to be submitted after March 3, 2025 + +• + +In accordance with ISO 20022, the beneficiary address will be on the wire details provided to +the beneficiary bank. + +Effective March 10, beneficiary address information is required on all cash wiring instructions. +Cash wires may be rejected if the beneficiary address information is missing. + +Additionally, pursuant to ISO 20022, the Beneficiary Bank Instructions (Financial Institution +to Financial Institution Information - Tag 6500) will no longer be available on the wire details +provided to the beneficiary bank. Fannie Mae will be appending the existing Beneficiary Bank +Instructions into the Beneficiary Message (Originator to Beneficiary Information – Tag 6000) +field. diff --git a/chunks/txt/812b67538e6c9b1b5164704361f98dee3468eacfbc29de822843117f301e0c87.txt b/chunks/txt/812b67538e6c9b1b5164704361f98dee3468eacfbc29de822843117f301e0c87.txt new file mode 100644 index 0000000000000000000000000000000000000000..229ce3cf5097a928ee4982137b0510805d617559 --- /dev/null +++ b/chunks/txt/812b67538e6c9b1b5164704361f98dee3468eacfbc29de822843117f301e0c87.txt @@ -0,0 +1,121 @@ +Indicates whether there are other properties above and / or below the +rowhouse / townhouse. +• +• + +Yes (e.g., piggyback or stacked) +No (“No Units Above/Below” displays for Townhouse Location) + +Choose an +allowable answer +from the +Definition / +Additional +guidance column + +Choose one or +more allowable +answers from the +Definition / +Additional +guidance column + +Dwelling Exterior, for +each dwelling +• + +Townhouse +Location 8.009 + +Dwelling Exterior, for +each dwelling +• + +Construction +Method 8.011 + +Yes +22.05.34 + +Yes +22.05.36 + +The location of the rowhouse / townhouse when there are other +properties above or below. +• +Top Unit +• Middle Unit +• +Bottom Unit + +• +Container +• Manufactured +• Modular +• +• +• +• + +On-Frame Modular +Site Built +3D Technology +Other (Describe) + +22.05.10 +22.05.37 + +Manufactured +Home Width + +If relevant + +Required if the +comparable is a +manufactured home, +and the row is +included in the sales +comparison grid + +Single Wide or +Multi Wide + +Manufactured Home, +for each dwelling that is +a manufactured home +• Manufactured + +Home Width 9.005 + +Note: If the subject or any comparables are manufactured homes, this +row must be included in the sales comparison grid. + +If there are multiple dwellings, or multiple Construction Methods for a +dwelling, all display in the same row. + +Yes +22.05.38 + +If there are multiple dwellings that are manufactured homes, +Manufactured Home Width displays for each of them in the same row. + +Appendix F-1: URAR Reference Guide + +Page 240 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Report +Field ID + +22.05.11 +22.05.39 + +Report Label + +When Row +Displays diff --git a/chunks/txt/8174b365b9cae20a2ce59a879e0db3c5e740d57e91c8f969e24a4158fdeba05c.txt b/chunks/txt/8174b365b9cae20a2ce59a879e0db3c5e740d57e91c8f969e24a4158fdeba05c.txt new file mode 100644 index 0000000000000000000000000000000000000000..00de13ec7cb1e59e2476200b0ead8f3dc0589968 --- /dev/null +++ b/chunks/txt/8174b365b9cae20a2ce59a879e0db3c5e740d57e91c8f969e24a4158fdeba05c.txt @@ -0,0 +1,98 @@ +Recommended +Action + +Site Valuation Methodology + +Opinion of Site Value + +Primary Site Valuation Method + +# + +Address + +County + +Data Source + +Assessor Parcel +Number (APN) + +Site Size + +Sale Date + +Price + +Reconciliation of Site Value + +Site Commentary + +Site Exhibits + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +Disaster Mitigation + +Mitigation Feature + +Disaster Mitigation Commentary + +Disaster Mitigation Exhibits + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +Energy Efficient and Green Features + +Known Renewable Energy Components + +Renewable Energy Component + +Ownership + +Financing Arrangement + +Known Building Certifications + +Building Certification Organization + +Certification + +Year + +Version + +Rating + +Known Efficiency Ratings + +Green/Energy Efficiency Rating +Organization + +Rating + +Score + +Check #A + +Energy Efficient and Green Features Impact to Value/Marketability + +Impact to Value/Marketability + +Description + +Energy Efficient and Green Features Commentary + +Energy Efficient and Green Features Exhibits + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +Sketch + +Sketch or Floor Plan Not Available + +Measurement Standard + +Sketch Commentary + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 diff --git a/chunks/txt/817befcd6168e36851142dc266b1b9f73b4e63278209c263e53fef1cd69a0d05.txt b/chunks/txt/817befcd6168e36851142dc266b1b9f73b4e63278209c263e53fef1cd69a0d05.txt new file mode 100644 index 0000000000000000000000000000000000000000..711ec7456646aff615600ee0e216bb29062891ec --- /dev/null +++ b/chunks/txt/817befcd6168e36851142dc266b1b9f73b4e63278209c263e53fef1cd69a0d05.txt @@ -0,0 +1,36 @@ +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. + +This field may not exist in all forms vendor +software. + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. + +This field may not exist in all forms vendor +software. + +This field may not exist in all forms vendor +software. + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. + +This field may not exist in all forms vendor +software. + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. + +This field may not exist in all forms vendor +software. diff --git a/chunks/txt/818ea5ddde9c4fa8e0d7f5419c4e775d75346bf1238fb2d060a6ec6d6c53bf9c.txt b/chunks/txt/818ea5ddde9c4fa8e0d7f5419c4e775d75346bf1238fb2d060a6ec6d6c53bf9c.txt new file mode 100644 index 0000000000000000000000000000000000000000..46c86c057589fa589adfa48e56302a90661a7e05 --- /dev/null +++ b/chunks/txt/818ea5ddde9c4fa8e0d7f5419c4e775d75346bf1238fb2d060a6ec6d6c53bf9c.txt @@ -0,0 +1,44 @@ +• + +• + +the borrower’s most recent year of signed federal income +tax returns, including Schedule 1 and Schedule E, or +copies of the current lease agreement(s) if the borrower can +document a qualifying exception (see Reconciling Partial or +No Rental History on Tax Returns below). + +No + +Purchase + +Rental Information section of the URAR1 and copies of the current +lease agreement(s) if transferred to the borrower. + +If the property is not currently rented or if the existing lease is not +being transferred to the borrower, then lease agreements are not +required and the URAR with the completed Rental Information +section1 may be used. + +If there is a lease on the property that is being transferred to the +borrower, see Selling Guide B2-1.5-03, Legal Requirements and Selling +Guide B7-2-05, Title Exceptions and Impediments, for additional +information. + +No + +Refinance + +URAR with completed Rental Information section1 and copies of the +current lease agreement(s). + +1See General Requirements for Documenting Rental Income (Subject and Non-Subject Property) for the exception to use Single-Family Comparable Rent Schedule +(Form 1007). + +Note: All references in this table to lease agreements and the URAR or Form 1007 must comply with the requirements in Lease +Agreements or the Uniform Residential Appraisal Report below. + +If the borrower is not using any rental income from the subject property to qualify, the gross monthly rent must still be +documented for lender reporting purposes. See Reporting of Gross Monthly Rent below for details. + +Documenting Rental Income from Property Other Than the Subject Property diff --git a/chunks/txt/819f61428c73c3b8d0960a898e8c1b286558df4fd8ff7ce1165cd1b40db65f53.txt b/chunks/txt/819f61428c73c3b8d0960a898e8c1b286558df4fd8ff7ce1165cd1b40db65f53.txt new file mode 100644 index 0000000000000000000000000000000000000000..c645d6a2a17e13dac18fb59a726551c6b857e003 --- /dev/null +++ b/chunks/txt/819f61428c73c3b8d0960a898e8c1b286558df4fd8ff7ce1165cd1b40db65f53.txt @@ -0,0 +1,89 @@ +3 to 6 months + +Additional commentary can be added here, if needed by Appraiser. + +Subject Listing Information + +Current and/or relevant listings of the subject property (minimum 1 year look back) + +Listing Status +Pending + +Listing Type +FSBO + +Listing ID + +Start Date + +End Date + +DOM +0 + +Starting +List Price + +Current or +Final List Price +$160,000 + +Total DOM 0 + +Analysis of Subject Property Listing History The subject was not listed on the open market. This is a private sale between investors. The +appraiser is unaware of any other listings or agreements for sale. + +Sales Contract + +Is there a sales contract? +Was sales contract information analyzed? +Does this appear to be an arm’s length transaction? + +Yes No +  +  +  + +Contract Price +Contract Date +Transfer Terms +Personal Property Conveyed + +$160,000 +08/25/2019 +Private Sale +No + +Financial Sales Concessions + +Financial assistance paid by or on behalf of the seller as an inducement to purchase the subject property + +Known Sales Concessions + +No + +Sales Contract Analysis + +This is a FSBO. This transaction is between investors with a contract price below market value. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario + +Uniform Residential Appraisal Report + +Page 14 of 29 +Page 14 of 29 + +Prior Sale and Transfer History + +Subject Transfer History + +Prior sales and/or transfers of the subject property (minimum 3 year look back) +Prior Sales or Transfers + +Data Source + +None +Assessor Record +MLS + +Analysis of Prior Sale and Transfer History of Subject Property My research revealed no prior transactions within the past 3 years. diff --git a/chunks/txt/81bc1e3da04f938677818482a9a1f39bfe24e814f2c4fa2fe4bab08da131d7c7.txt b/chunks/txt/81bc1e3da04f938677818482a9a1f39bfe24e814f2c4fa2fe4bab08da131d7c7.txt new file mode 100644 index 0000000000000000000000000000000000000000..863ca901052c3e212d21b6239074402800964c0d --- /dev/null +++ b/chunks/txt/81bc1e3da04f938677818482a9a1f39bfe24e814f2c4fa2fe4bab08da131d7c7.txt @@ -0,0 +1,94 @@ +Number of Borrowers +First Time Home Buyer +1=yes; +2=no + +Page 1 of 5 + +Column + +29 CICA + +30 BoRace + +31 CoRace + +32 BoSex + +33 CoSex + +34 BoAge + +35 CoAge + +36 Occup + +37 NumUnits +38 Bed1 + +39 Bed2 + +40 Bed3 + +41 Bed4 + +42 Aff1 + +43 Aff2 + +44 Aff3 + +AMA_PUDB_definitions_2018.xlsx + +Definition +Code indicating whether the mortgage is on a project funded under an AHP, CIP or other +CICA program. +1=AHP; +2=CIP; +3=Other CICA +9=Not Applicable; Not Purchased under AHP, CIP, or CICA + +Borrower Race or National Origin +1=American Indian or Alaskan Native; +2=Asian; +3=Black or African American; +4=Native Hawaiian or Other Pacific Islander; +5=White; +7=Information not provided by applicant in mail or telephone application +Co-borrower Race or National Origin +1=American Indian or Alaskan Native; +2=Asian; +3=Black or African American; +4=Native Hawaiian or Other Pacific Islander; +5=White; +7=Information not provided by applicant in mail or telephone application; +8=No Co-Borrower +Borrower Sex +1=Male; +2=Female; +3=Information not provided by applicant in mail or telephone application + +Co-Borrower Sex +1=Male; +2=Female; +3=Information not provided by applicant in mail or telephone application; +4=No Co-Borrower + +Age of Borrower in years +99=Not provided by applicant in mail or telephone application +Age of Co-Borrower in years +98=No Co-Borrower; +99=Not provided by applicant in mail or telephone application +Occupancy Code +1=Principal residence/owner-occupied; +2=second home; +3=investment property (rental) +Number of Units +Unit1--Number of Bedrooms +98=no non-owner-occupied dwelling units +Unit2--Number of Bedrooms +98=no non-owner-occupied dwelling units +Unit3--Number of Bedrooms +98=no non-owner-occupied dwelling units +Unit4--Number of Bedrooms +98=no non-owner-occupied dwelling units diff --git a/chunks/txt/81bc6023c62ff66cdbe3fa9c6630edd6972a42742cc3dacacbdb0e71ed6a4b00.txt b/chunks/txt/81bc6023c62ff66cdbe3fa9c6630edd6972a42742cc3dacacbdb0e71ed6a4b00.txt new file mode 100644 index 0000000000000000000000000000000000000000..205b6d48f62cb0a615e10fdd1c58611b6230491d --- /dev/null +++ b/chunks/txt/81bc6023c62ff66cdbe3fa9c6630edd6972a42742cc3dacacbdb0e71ed6a4b00.txt @@ -0,0 +1,93 @@ +This field may not exist in all forms +vendor software. + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. + +This field may not exist in all forms +vendor software. + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. + +This field may not exist in all forms +vendor software. + +This field may not exist in all forms +vendor software. + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. + +This field may not exist in all forms +vendor software. + +CR + +CR + +CR + +T + +R + +R + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +R + +R + +T + +T + +T + +T + +T + +T + +T + +T + +T diff --git a/chunks/txt/81c679c18fa372b35024acbf208c2a9ad9079f80a626109e9b741844e5679e59.txt b/chunks/txt/81c679c18fa372b35024acbf208c2a9ad9079f80a626109e9b741844e5679e59.txt new file mode 100644 index 0000000000000000000000000000000000000000..2e5b088ad105fc2e5f49b210a95387280fa1dfb8 --- /dev/null +++ b/chunks/txt/81c679c18fa372b35024acbf208c2a9ad9079f80a626109e9b741844e5679e59.txt @@ -0,0 +1,82 @@ +If field 6-27 (Supervisor Name) is populated +then one and only one of fields 6-38, 6-39, +(Appraisal Inspection Property Type = +'Subject' and values of Appraisal Inspection +Type) should be indicated. + +If field 6-39 (Appraisal Inspection Property +Type = 'Subject' and Appraisal Inspection +Type = 'ExteriorOnly') is indicated this field +should be populated. + +If field 6-27 (Supervisor Name) is populated +then one and only one of fields 6-41, 6-42 +(Appraisal Inspection Property Type = +'Comparable' and values of Appraisal +Inspection Type) should be indicated. + +If field 6-27 (Supervisor Name) is populated +then one and only one of fields 6-41, 6-42 +(Appraisal Inspection Property Type = +'Comparable' and values of Appraisal +Inspection Type) should be indicated. + +This field should be populated if field 6-44 +(Appraisal Inspection Property Type = +'Comparable' and Appraisal Inspection Typ= +'ExteriorOnly') is indicated. + +Date/Time + +Data Format: +yyyy-mm-dd + +PDF Display Format: +mm/dd/yyyy + +String + +UAD Requirement – Refer to Appendix D Appraiser Certification Section + +String + +UAD Requirement – Refer to Appendix D Appraiser Certification Section + +String + +Should conform to USPS (Pub 28). The following address element should be included +in this field: +• USPS two-letter state or territory representation + +UAD Requirement – Refer to Appendix D Appraiser Certification Section + +Date/Time + +Data Format: +yyyy-mm-dd + +PDF Display Format: +mm/dd/yyyy + +Enumerated + +Enumerated + +Date/Time + +Enumerated + +Enumerated + +Date/Time + +String + +Data Format: +yyyy-mm-dd + +PDF Display Format: +mm/dd/yyyy + +Data Format: +yyyy-mm-dd diff --git a/chunks/txt/81d4007676af052ddc04a4cdda76d362f4f524b25e57de66ed83bc5c1b448dde.txt b/chunks/txt/81d4007676af052ddc04a4cdda76d362f4f524b25e57de66ed83bc5c1b448dde.txt new file mode 100644 index 0000000000000000000000000000000000000000..8fa0b86c92d51cee89cca965dd536051a4012ccb --- /dev/null +++ b/chunks/txt/81d4007676af052ddc04a4cdda76d362f4f524b25e57de66ed83bc5c1b448dde.txt @@ -0,0 +1,108 @@ +SALES +COMPARISON +APPROACH + +Above Grade Room Count +Bdrms. + +Total Bedroom +Count + +Specifies the total number of bedrooms. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/ROOM_ADJUST +MENT/@TotalBedroomCount + +357 + +3 + +35 + +SALES +COMPARISON +APPROACH + +Above Grade Room Count +Baths + +Total Bathroom +Count + +Specifies the total number of bathrooms. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/ROOM_ADJUST +MENT/@TotalBathroomCount + +358 + +3 + +36 + +SALES +COMPARISON +APPROACH + +Above Grade Room Count +Gross Living Area sq. ft. + +Sale Price +Adjustment +Description + +A free form text field used to further +describe the property feature which is +identified by Sales Price Adjustment +Type. (i.e. Location, Condition, etc.) + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD +JUSTMENT[@_Type='GrossLivingArea']/@_Description + +359 + +3 + +e-18 + +SALES +COMPARISON +APPROACH + +(Basement Area) + +GSE Below Grade +Total Square Feet +Number + +The total area of property improvements +below grade. + +Basement & Finished +(line 1) + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D +ETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex +tensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM +PARISON_DETAIL/@GSEBelowGradeTotalSquareFeetNumber + +2 + +2 + +2 + +5 + +6 + +5 + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +Enumerated diff --git a/chunks/txt/81e93a477b2fa8f4976fd6f4f1d5d58aaecdf601fae9d50aaa9a5bbbb70f1b49.txt b/chunks/txt/81e93a477b2fa8f4976fd6f4f1d5d58aaecdf601fae9d50aaa9a5bbbb70f1b49.txt new file mode 100644 index 0000000000000000000000000000000000000000..c6c0247770edb216c8448c32d00d60c6ca80159d --- /dev/null +++ b/chunks/txt/81e93a477b2fa8f4976fd6f4f1d5d58aaecdf601fae9d50aaa9a5bbbb70f1b49.txt @@ -0,0 +1,140 @@ +Contact Information + +23.0 + +Lender 23.0.1 + +Mortgage Broker +23.0.2 + +Real Estate Broker +(B) 23.0.3 + +Real Estate Broker +(S) 23.0.4 + +Settlement Agent +23.0.5 + +23.1 Name + +23.1.1 Ficus Bank + +23.1.2 Beta Brokerage +Services + +23.1.3 Omega Real +Estate Broker, Inc. + +23.1.4 Alpha Real +Estate Broker, Inc. + +23.1.5 Epsilon Title +Co. + +23.2 Address + +23.2.1 +4321 Random Blvd. +Somecity, ST 12340 + +23.2.2 +222 Midtown Circle +Sometown, ST, 12343 + +23.2.3 +789 Local Lane +Sometown, ST 12345 + +23.2.4 +987 Suburb Ct. +Someplace, ST 12340 + +23.2.5 +123 Commerce Pl. +Somecity, ST 12344 + +23.3 NMLS ID + +23.3.1 111111 + +23.3.2 22222 + +23.3.3 + +23.3.4 + +23.3.5 + +23.4 State Code + + +23.4.1 + +23.4.2 + +23.4.3 + +23.4.4 + +23.4.5 + +License ID + +23.5 Contact + +23.5.1 Joe Smith + +23.5.2 Linda Jones + +23.5.3 Samuel Green + +23.5.4 Joseph Cain + +23.5.5 Sarah Arnold + +23.6 Contact NMLS ID + +23.6.1 123456 + +23.6.2 889977 + +23.6.3 + +23.6.4 + +23.6.5 + +23.7 Contact State + +23.7.1 + +23.7.2 + +23.7.3 + +23.7.4 + +23.7.5 + +Code+ License ID + +23.8 Email + +23.9 Phone + +23.8.1 joe_smith@ +ficusbank.com + +23.8.2 ljones@ +betabroker.com + +23.8.3 sam@ +omegare.biz + +23.8.4 joe@ +alphare.biz + +23.8.5 sarah@ +epsilontitle.com + +23.9.1 123-456-7890 diff --git a/chunks/txt/81ff320c091d1197ca78fc6f6e18793ecfa510f31c1df01fabecfdfb5c72b099.txt b/chunks/txt/81ff320c091d1197ca78fc6f6e18793ecfa510f31c1df01fabecfdfb5c72b099.txt new file mode 100644 index 0000000000000000000000000000000000000000..f90234b180a8679c52adb8c13a43018a015be8a8 --- /dev/null +++ b/chunks/txt/81ff320c091d1197ca78fc6f6e18793ecfa510f31c1df01fabecfdfb5c72b099.txt @@ -0,0 +1,121 @@ +No + +No + +No + +Reference Appendix 2: Condition and Quality Rating Definitions for +definitions. + +Note: For the subject property, reflects the condition as if any required +repairs, inspections, or completions have been satisfactorily completed. + +• +• +• + +Fully Updated +Partially Updated +Not Updated + +Based on the appraiser’s analysis and determination considering the +overall level of updating, the update status of all bathroom(s) in the ADU +in aggregate. +• +Fully Updated +• +Significantly Updated +• Moderately Updated +• +Not Updated + +Based on the appraiser’s analysis and determination considering the +overall level of updating, the update status of all flooring in the ADU in +aggregate. +• +Fully Updated +• +Significantly Updated +• Moderately Updated +• +Not Updated + +No + +Walls and Ceiling Condition Summary: A short description summarizing +the overall condition of the walls and ceilings in the ADU. + +Appendix F-1: URAR Reference Guide + +Page 261 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Report +Field ID + +22.10.15 +22.10.28 + +Report Label + +[Other Interior +Feature] +22.10.14 +Other Interior +Feature +Description +10.044 +populates +from Unit +Interior + +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: ADU Interior Quality and Condition + +If relevant, for +each +additional +feature + +Required when the +row is included in the +sales comparison grid + +Free-form + +Unit Interior +• + +Interior Feature +Other Description +10.044 (Report +Label) + +Other Interior Feature +Condition Summary +22.10.15 does not +populate from Unit +Interior; the appraiser +must enter information +for the subject property diff --git a/chunks/txt/8213ee54e05e63cbf255e471c3340e5e81634c936fe250bceeda15a291cd583f.txt b/chunks/txt/8213ee54e05e63cbf255e471c3340e5e81634c936fe250bceeda15a291cd583f.txt new file mode 100644 index 0000000000000000000000000000000000000000..05529528311e6f658582be5f6b44e4aca2b24293 --- /dev/null +++ b/chunks/txt/8213ee54e05e63cbf255e471c3340e5e81634c936fe250bceeda15a291cd583f.txt @@ -0,0 +1,143 @@ +Foundation appears +sound with typical hairline +settlement cracks + +No apparent signs of damage +or leaks + +Mechanical System Details + +Heating + +Cooling + +System +Forced Warm Air + +Centralized + +Detail +Electric + +Core Heating System Below Grade + +Yes No +  + +Other Mechanical Systems + +Whole House Water Treatment + +Apparent Defects, Damages, Deficiencies (Dwelling Exterior) + +None + +Dwelling Exterior Commentary + +The exterior was recently painted, and new windows, doors, and shutters were installed. The roof was replaced within the past 5 years. + +Unit Interior - Primary Dwelling + +Area Breakdown + +Finished Above Grade +Unfinished Above Grade +Finished Below Grade +Unfinished Below Grade + +Area Data Source + +3,304 Sq. Ft. +0 Sq. Ft. +1,344 Sq. Ft. +616 Sq. Ft. +Assessor Record +MLS +Physical Measurement + +Below Grade Finish Compared +to Above + +Similar + +ADU + +Level and Room Detail + +Level in Unit +Level B1 + +Grade Level Detail +Below Grade +Interior and Exterior Access +Walk Out + +Level 1 + +Above Grade + +Yes No +  + +Finish +Finished + +Unfinished + +Finished + +Levels in Unit +Occupancy +Utilities Separately Metered +Total Bedrooms +Total Bathrooms - Full +Total Bathrooms - Half + +3 +Vacant +No +5 +3 +1 + +Area +1,344 Sq. Ft. + +616 Sq. Ft. + +1,960 Sq. Ft. + +Room Summary +1 - Bath - Full +2 - Den +1 - Family Room + +1 - Bath - Half +1 - Bedroom +1 - Dining Room +1 - Family Room +1 - Kitchen +1 - Living Room + +2 - Bath - Full +4 - Bedroom + +Level 2 + +Above Grade + +Finished + +1,344 Sq. Ft. + +Quality and Condition + +Interior Quality Rating + +Q4 + +Interior Condition Rating + +C4 + +The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report diff --git a/chunks/txt/8216514ddb2fa9eebad712b2c641a1891f2cb8eba09bd1c97545ab7dd11c25c9.txt b/chunks/txt/8216514ddb2fa9eebad712b2c641a1891f2cb8eba09bd1c97545ab7dd11c25c9.txt new file mode 100644 index 0000000000000000000000000000000000000000..f3eece7a8679730ba7eaf2328b96097a935ff055 --- /dev/null +++ b/chunks/txt/8216514ddb2fa9eebad712b2c641a1891f2cb8eba09bd1c97545ab7dd11c25c9.txt @@ -0,0 +1,20 @@ +Public Remarks as Prepared for Delivery Sandra L. Thompson Acting Director, Federal Housing Finance Agency FHFA Virtual Listening Session: "Closing the Gap to Sustainable Homeownership" Tuesday, June 29, 2021 I am honored by the President's appointment and I am really looking forward to leading FHFA... + - Speech + +October 19, 2020 + +## [Prepared Remarks of Dr. Mark A. Calabria, Director of FHFA, at Mortgage Bankers Association - 2020 Convention and Expo](/news/speech/prepared-remarks-of-dr.-mark-a.-calabria-director-of-fhfa-at-mortgage-bankers-association-2020) + +Public Remarks as Prepared for Delivery Dr. Mark A. Calabria Director, Federal Housing Finance Agency MORTGAGE BANKERS ASSOCIATION 2020 ANNUAL CONVENTION AND EXPO MONDAY, OCTOBER 19, 2020 VIRTUAL Thank you, Susan [Stewart], for that introduction and for inviting me to speak today. I want to thank... + - Speech + +September 25, 2020 + +## [Prepared Remarks of Dr. Mark A. Calabria, Director of FHFA, at Financial Stability Oversight Council Principals Meeting](/news/speech/prepared-remarks-of-dr.-mark-a.-calabria-director-of-fhfa-at-financial-stability-oversight-council) + +Public Remarks as Prepared for Delivery Dr. Mark A. Calabria Director, Federal Housing Finance Agency FINANCIAL STABILITY OVERSIGHT COUNCIL PRINCIPALS MEETING FRIDAY, SEPTEMBER 25, 2020 Thank you, Mr. Chairman. I commend the Council for this important statement today acknowledging for the first time... + - Speech + +March 26, 2020 + +## [Prepared Remarks of Dr. Mark A. Calabria, Director of FHFA, at Financial Stability Oversight Council Principals Meeting](/news/speech/prepared-remarks-of-dr.-mark-a.-calabria-director-of-fhfa-at-financial-stability-oversight-council-0) diff --git a/chunks/txt/822d3055c8de1f088b65616c0a6ea5da4c44114384f34362c0e291007720c60b.txt b/chunks/txt/822d3055c8de1f088b65616c0a6ea5da4c44114384f34362c0e291007720c60b.txt new file mode 100644 index 0000000000000000000000000000000000000000..6f38211516f8090e50a7890a9455da6303d4764e --- /dev/null +++ b/chunks/txt/822d3055c8de1f088b65616c0a6ea5da4c44114384f34362c0e291007720c60b.txt @@ -0,0 +1,114 @@ +UCD v2.0 Implementation Guide + +- 91 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 68. XML File Fee Line Items as Rendered on CD. + +Loan Costs + +7.0 + +Borrower-Paid + +Seller-Paid + +Paid by Others + +At Closing + +Before Closing + +At Closing + +Before Closing + +7.1 A. Origination Charges + +7.1.1 + +7.2.1 1.0 % of Loan Amount 7.2 (Points) + +7.2.2 $2,110.00 7.2.3 + +7.2.4 + +7.2.5 + +7.2.6 + +Application Fee + +$500.00 + +7.4 B. Services Borrower Did Not Shop For + +7.4.1 + +7.5 Appraisal Fee 7.5.1 to John Smith Appraisers + +7.5.2 + +7.5.3 + +7.5.4 + +7.5.5 + +7.5.6 $705.00 (L) + +7.6 C. Services Borrower Did Shop For + +7.6.1 + +7.7 Pest Inspection Fee 7.7.1 to Pests Co. + +7.7.2 $200.00 7.7.3 + +7.7.4 + +7.7.5 + +7.7.6 + +Other Costs + +8.0 + +8.1 E. Taxes and Other Government Fees + +8.1.1 + +8.2 Recording Fees Deed: 8.2.1 $40.00 Mortgage: $45.00 8.2.2 $85.00 + +8.2.3 + +8.3 Transfer taxes to 8.3.1 Any State + +8.3.2 + +8.3.3 + +8.2.3 + +8.3.3 + +8.2.4 $100.00 + +8.2.5 + +8.3.4 $1,440.00 8.3.5 + +8.16 H. Other + +8.16.1 + +8.17 HomeownersAssociationSpecialAssessment +8.17.1 to HOA Acres, Inc. + +8.17.2 $500.00 8.17.3 diff --git a/chunks/txt/822ec7a810b61269cb42f1262e44b47ea4a3aa5a5a7ee289957d8dcfbfb8389a.txt b/chunks/txt/822ec7a810b61269cb42f1262e44b47ea4a3aa5a5a7ee289957d8dcfbfb8389a.txt new file mode 100644 index 0000000000000000000000000000000000000000..c7595660079f067f680821e2726614248bfe9901 --- /dev/null +++ b/chunks/txt/822ec7a810b61269cb42f1262e44b47ea4a3aa5a5a7ee289957d8dcfbfb8389a.txt @@ -0,0 +1,96 @@ +industry, or + +• Negatively affect the integrity / composition of the site itself, or +• Negatively affect the soundness or structural integrity of the improvements to the site, or +• Measurably impact the marketability or value of the property, or +• Require completion + +Appendix F-1: URAR Reference Guide + +Page 163 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +13 Vehicle Storage + +Example: + +Any other items that do not require repair, replacement, inspection, or completion may also be reported using +the Recommended Action of None. + +Reference the appropriate government agency appraisal guidelines for specific requirements. + +Apparent Defects, Damages, Deficiencies (Vehicle Storage) + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +13.004 N/A + +Always required + +Yes |No + +13.004 N/A + +Displays when Vehicle +Storage Defects Exist is +Yes + +N/A + +Definition / Additional Guidance + +Vehicle Storage Defects Exist: Indicates whether there are apparent defects, +damages, or deficiencies related to the Vehicle Storage section. +• + +If No, “None” displays and the Apparent Defects, Damages, Deficiencies +(Vehicle Storage) table does not display. + +The items listed below represent the As Is condition as of the effective date of +this report + +Information About Each Defect, Damage, or Deficiency + +Apparent Defects, Damages, Deficiencies (Vehicle Storage) + +Report +Field ID + +Report Label + +When to Include + +13.005 + +Feature + +Required for each +defect, damage, or +deficiency + +13.006 + +Location + +13.007 Description + +13.008 Affects + +Soundness or +Structural +Integrity + +Required for each +defect, damage, or +deficiency diff --git a/chunks/txt/82319a6a98399f32b5099b6e15e171161c0cb4fc9673a7f6d5bf68b9b96993f5.txt b/chunks/txt/82319a6a98399f32b5099b6e15e171161c0cb4fc9673a7f6d5bf68b9b96993f5.txt new file mode 100644 index 0000000000000000000000000000000000000000..0769ce3bbecba27eeffce88cf7272ec50d7d1235 --- /dev/null +++ b/chunks/txt/82319a6a98399f32b5099b6e15e171161c0cb4fc9673a7f6d5bf68b9b96993f5.txt @@ -0,0 +1,37 @@ +Time: 12:30-4:00 PM + +​[Day 1 Agenda, Transcript, Presentations, and Video](/news/videos/fhlbank-system-at-100-wrap-up-public-listening-session-day-1)​ + +​[Day 2 Agenda, Transcript, Presentations, and Video](/news/videos/fhlbank-system-at-100-wrap-up-public-listening-session-day-2)​ + +​[Day 3 Agenda, Transcript, Presentations, and Video](/news/videos/fhlbank-system-at-100-wrap-up-public-listening-session-day-3)​ + +Visit the [Wrap-Up Listening Session Event page](/programs/fhlbank-system-at-100-wrap-up-listening-session-march-22-24-2023)****for more information**.** + +## **FHLBank System ​at 100: Focusing on the Future Roundtables​​** + +See the [FHLBank System at 100 webpage](/programs/fhlbank-system-at-100-wrap-up-listening-session-march-22-24-2023) for more information about roundtables. + +## **2022** + +## **December 2022** + +## **FHLBank System at 100: Focusing on the Future Roundtables​​** + +See the [FHLBank System at 100 webpage](/programs/fhlbank-system-at-100-focusing-on-the-future) for more information about roundtables. + +--- + +## **November 2022** + +## **​FHFA Fall Econ Summit​​** + +Date: 11/1/2022 + +Time: 9:00 AM - 12:45 PM + +Location: Federal Housing Finance Agency, Constitution Center, 400 7th Street, SW, ​Washington, D.C. 20219​ + +Topic: Climate Stress Testing and The Effect of Climate Change on Vulnerable Communities + +[Agenda](/media/33861)​ diff --git a/chunks/txt/823473d225dcdc5bc9de6b1e045f53c47dff0e62bb45b9cca6a232146d46c04d.txt b/chunks/txt/823473d225dcdc5bc9de6b1e045f53c47dff0e62bb45b9cca6a232146d46c04d.txt new file mode 100644 index 0000000000000000000000000000000000000000..c6a2e3058c79fed4cbeb33c98a686cd8bee78c69 --- /dev/null +++ b/chunks/txt/823473d225dcdc5bc9de6b1e045f53c47dff0e62bb45b9cca6a232146d46c04d.txt @@ -0,0 +1,56 @@ +Allowable Answer + +Definition / Additional Guidance + +Deed Transfer Only + +A non-sale deed transfer or recordation (e.g., quitclaim deed). + +Ownership Transfer Type (Choose one for each Sale or Transfer) + +Sale + +A sale transaction. + +Allowable Answer + +Court Ordered Non- +Foreclosure Sale + +Prior Sale Type (Choose one for each Sale) + +Definition / Additional Guidance + +A sale in which a judge has ordered the sale of the property for purposes other than foreclosure or estate resolution. + +Estate Sale + +A sale as a result of disposition of assets from an estate. + +Foreclosure Sale + +A forced sale of the property as a result of default. + +Land Sale + +The sale of undeveloped or minimally developed land. + +Pre-Subdivision Sale + +The sale of a parcel prior to subdivision resulting in the splitting of the property into multiple parcels. Select this answer +when reporting the details of the original un-subdivided sale. +Example: 30,000 square foot lot with previous sale of $100,000, subsequently subdivided into three lots, with the subject +(or comparable) selling for less than $100,000. + +Sale Between Related Parties The sale of a property in which the buyer and seller have a relationship independent of the transaction (e.g., business + +Relocation Sale + +A property being sold as part of a relocation program. + +partners, family members, employer/employee, landlord/tenant). + +REO Post Foreclosure Sale + +The sale of a property from inventory that has been acquired through foreclosure, deed-in-lieu of foreclosure, or similar +legal processes by the lien holder (e.g., a bank selling property to individual(s) or to another entity). diff --git a/chunks/txt/823abca522c2043f7739474b001ac0324f69cce1efba08b24976ef9288528550.txt b/chunks/txt/823abca522c2043f7739474b001ac0324f69cce1efba08b24976ef9288528550.txt new file mode 100644 index 0000000000000000000000000000000000000000..48105772b12adb90708ad2599ec665262a71fc27 --- /dev/null +++ b/chunks/txt/823abca522c2043f7739474b001ac0324f69cce1efba08b24976ef9288528550.txt @@ -0,0 +1,89 @@ +• +• +• +• +• +• +• + +Carport +Deck +Garage +Living Area +Porch +Sunroom +Other (Describe) + +9.009 + +Description of +Modification, +Attachment, or +Addition + +Required if Structural +Modifications Exist is +Yes + +HUD Data Plate + +Free-form + +Detailed description of the modification, attachment, or addition that has +altered the manufactured home’s structure or relies on it for support. + +Note: If the HUD Data Plate is not available, indicate in Manufactured Home Commentary (9.026) the source of +the data provided. + +Manufactured Home – ADUs – HUD Data Plate + +Report +Field ID + +9.010 + +Report Label + +When to Include + +Allowable +Answers / Format + +HUD Data Plate +Attached + +Always required + +Yes | No + +Definition / Additional Guidance + +Indicates whether the manufactured home has a HUD data plate (also referred +to as the Manufactured Home Data Plate or Compliance Certificate) attached +within the manufactured home. If the HUD Data Plate is not attached but is +available, select No and explain in Manufactured Home Commentary (9.026). + +Reference published guidelines by the GSEs, government agencies, or other +identified secondary market participants for specific guidance. + +If available, a photo or image of the HUD Data Plate or the verification source +must be provided. The photos or images display in Manufactured Home +Exhibits, with the caption “HUD Data Plate”. An additional caption may be +provided to further identify each photo or image. + +Appendix F-1: URAR Reference Guide + +Page 123 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +09 Manufactured Home + +Manufactured Home – ADUs – HUD Data Plate + +Report +Field ID + +Report Label diff --git a/chunks/txt/8247bacbb4a5483d0e7418001d6a85547e34118f1822eb4aef55f8a578bebd7e.txt b/chunks/txt/8247bacbb4a5483d0e7418001d6a85547e34118f1822eb4aef55f8a578bebd7e.txt new file mode 100644 index 0000000000000000000000000000000000000000..18aa2db569cd2f03d7a896b7c94495d309405aaf --- /dev/null +++ b/chunks/txt/8247bacbb4a5483d0e7418001d6a85547e34118f1822eb4aef55f8a578bebd7e.txt @@ -0,0 +1,28 @@ +Undisclosed Liabilities (added Nov. 5, 2025) + +As outlined in Selling Guide Announcement SEL-2025-09, DU will issue a new message when a loan has obtained representation +and warranty relief for non-mortgage undisclosed liabilities. The message will be issued on Approve/Eligible loan casefiles when +certain eligibility criteria are met. It will state that the loan has obtained representation and warranty relief for non-mortgage +undisclosed liabilities. The message will also remind lenders that if updated income or liability information is received prior to +closing that exceeds DU’s resubmission tolerances, the data must be updated, and the loan casefile resubmitted to DU to confirm +continued eligibility for this representation and warranty relief. + +Rural High-Needs Areas (added Nov. 5, 2025) + +The areas that are designated as rural high-needs are provided to Fannie Mae by our regulator, the U.S. Federal Housing Finance +Agency (FHFA). DU uses these areas to determine eligibility for the rural high-needs value acceptance offer, Duty to Serve +messaging, and to determine Mission Index information. The 2025 rural high-needs designations will be applied to new loan +casefiles created on or after Nov. 16. + +Updates to Align with the Selling Guide + +Appraisal Messages + +The appraisal messages in DU will be updated to reflect the changes in the Uniform Appraisal Dataset (UAD) 3.6 and appraisal +forms redesign. The existing messages referencing specific form numbers will be updated to denote eligibility for a Uniform +Residential Appraisal Report. + +MH Advantage + +As specified in Selling Guide Announcement SEL-2025-07, single-width homes will now be eligible under the MH Advantage® +program. DU will be updated to reflect this change. diff --git a/chunks/txt/82563740cb13957e4232cb86237729e9077d0ef1fa703f802e92aab025952a20.txt b/chunks/txt/82563740cb13957e4232cb86237729e9077d0ef1fa703f802e92aab025952a20.txt new file mode 100644 index 0000000000000000000000000000000000000000..ef8661cb5802211381a51b7a652008288c412b16 --- /dev/null +++ b/chunks/txt/82563740cb13957e4232cb86237729e9077d0ef1fa703f802e92aab025952a20.txt @@ -0,0 +1,143 @@ +Free-form + +Site +• + +Body of Water +Name 4.035 + +Required for each +body of water with +private access + +Site +• + +Access Depth +4.037 + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +No + +No + +• +• +• +• + +Deep Water +Non-Navigable +Shallow Water +Other (Describe) + +Appendix F-1: URAR Reference Guide + +Page 236 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +For All Private Water Frontage on the Property + +These rows represent features for all water frontage on the property. + +Report +Field ID + +22.04.02 +22.04.07 + +Report Label + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: Water Frontage + +If relevant + +Permanent +Waterfront +Feature + +Required if the +property has private +access to one or more +bodies of water, and +the row is included in +the sales comparison +grid + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Site +• + +Permanent +Waterfront +Feature 4.032 + +No + +None +Beach +Boat Lift +Boat Ramp +Boat Slip +Dock +Pier +Riprap +Seawall or Bulkhead +Other (Describe) + +A natural or man-made feature in or alongside a body of water. +• +• +• +• +• +• +• +• +• +• +When included, provides support for the Water Frontage with Private +Access adjustment (22.04.05). + +Note: If there are multiple permanent waterfront features and bodies of +water for the comparable(s), further details must be provided in +Reconciliation of Sales Comparison Approach (22.16.01). + +22.04.03 +22.04.08 + +Right to Build diff --git a/chunks/txt/825a35e89380a054c40a61666d940a72017597aaeb03f77270ccbd671990e21c.txt b/chunks/txt/825a35e89380a054c40a61666d940a72017597aaeb03f77270ccbd671990e21c.txt new file mode 100644 index 0000000000000000000000000000000000000000..206f44b04adf0567e9e931314e88fe6821bb779a --- /dev/null +++ b/chunks/txt/825a35e89380a054c40a61666d940a72017597aaeb03f77270ccbd671990e21c.txt @@ -0,0 +1,41 @@ +For MBS loans: If a seller delivers SFC 784 on an MBS loan, fatal edit 2407 will fire indicating the SFC is invalid, and the SFC +will be automatically removed from the loan. Click “Save and run edits” to resolve fatal edit 2407. + +Contact your Fannie Mae representative for assistance or additional information. + +We are enhancing our report and export functionality in Loan Delivery to provide faster, more efficient generation times for +files greater than 100 MB. For any report or export file greater than 100 MB, the file will be generated as a ZIP file +format. This is the current functionality for the Schedule of Mortgages and we are expanding this functionality to the MISMO +Data XML, Edits CSV, Loan Level Data CSV, Edit History CSV, and Fannie Mae Loan No. CSV exports plus the Delivery Schedule +report. + +Jan 2024 + +Edit Updates + +See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates +including: + +• + +Jan 19: one new edit as Warning for Green Mortgages, see above Energy Star loans for details + +© 2023 Fannie Mae Page 3 of 10 + +Mar 1, 2024 + +HomeReady VLIP + +• +• +• + +Jan 22: 3 new edits as Warning to validate Note Rate, these will move to Fatal in March +Jan 22: 2 edits for Attorney Op Letter for Title, 1 edit expiring, 1 edit updating feedback message +Feb 7: one new warning edit to validate ARM Plan in DU matches ARM in LD + +A temporary enhancement will be applied to our HomeReady® product. This enhancement includes a $2,500 loan-level +price adjustment credit for very low-income purchase borrowers (VLIP) that can be used for down payment and closing +costs. To receive the credit, lenders must receive the appropriate Desktop Underwriter® (DU®) Messages in DU® to deliver the +HomeReady Special Feature Codes (SFCs) 900 and 884. Loan Delivery will have new Edits 2147 and 2148 to enforce +eligibility for delivering loans under the temporary policy. diff --git a/chunks/txt/82762df0fa9bf949671b93e729811dd59c53f51877e4c2df319fde4c398f7b12.txt b/chunks/txt/82762df0fa9bf949671b93e729811dd59c53f51877e4c2df319fde4c398f7b12.txt new file mode 100644 index 0000000000000000000000000000000000000000..dbd2ee068e4cd79f6717c90efc6dfe94db4afd87 --- /dev/null +++ b/chunks/txt/82762df0fa9bf949671b93e729811dd59c53f51877e4c2df319fde4c398f7b12.txt @@ -0,0 +1,208 @@ +Table 74. CD Versions and Associated Sections. + +CD Field +ID + +CD Section Name + +Purchase or Refinance +Model or Borrower Only Forms + +1.0 + +2.0 + +3.0 + +4.0 + +5.0 + +6.0 + +7.0 + +8.0 + +9.0 + +Closing Information + +Transaction Information + +Loan Information + +Loan Terms Table + +Projected Payments Table + +Costs at Closing + +Loan Costs Table (A – D) + +Other Costs Table (E – I) + +J. Total Closing Costs Table + +Refinance +Alternate Form + +1.7 label variation + +2.1 & 2.3 only (No Seller) + +✓ + +✓ + +✓ + +Adds designation From/To Borrower + +✓ + +✓ + +✓ + +✓ + +✓ + +✓ + +Seller-paid columns only for fees and +real estate commissions for both +agents + +Borrower-paid and Paid By Others +columns Only + +10.0 + +Calculating Cash to Close Table + +10.A + +Alternative Calculating Cash to Close +Table + +11.0 + +K. Due from Borrower at Closing + +12.0 + +L. Paid Already by or on Behalf of +Borrower at Closing + +13.0 + +CALCULATION + +✓ + +✓ + +✓ + +✓ + +14.0 M. Due to Seller at Closing + +N/A for UCD v2.0 + +15.0 + +N. Due from Seller at Closing + +N/A for UCD v2.0 + +16.0 + +CALCULATION + +17.0 + +Loan Disclosures + +18.0 + +Escrow Account + +N/A for UCD v2.0 + +✓ + +✓ + +✓ + +✓ + +✓ + +19.0 + +Adjustable Payment (AP) Table + +N/A for UCD v2.0 + +N/A for UCD v2.0 + +UCD v2.0 Implementation Guide + +- 155 - + +Version 1.0 + +Uniform Closing Dataset + +Appendix D. CD Versions and Associated Sections + +Table 74. CD Versions and Associated Sections. + +CD Field +ID + +CD Section Name + +Purchase or Refinance +Model or Borrower Only Forms + +Refinance +Alternate Form + +20.0 + +Adjustable Interest Rate (AIR) Table + +21.0 + +Loan Calculation + +22.0 + +Other Disclosures + +23.0 + +Contact Information + +ARM + +✓ + +✓ + +ARM + +✓ + +✓ + +Lender +Settlement Agent +As applicable: Mortgage Broker, Real +Estate Broker (B), Real Estate Broker +(S) diff --git a/chunks/txt/827db38cc993b14351aa62d339b0a63faa58689617a61d0a3f261b37a2195d85.txt b/chunks/txt/827db38cc993b14351aa62d339b0a63faa58689617a61d0a3f261b37a2195d85.txt new file mode 100644 index 0000000000000000000000000000000000000000..915481e77b9b9a4ffa0fae60ac20455394686938 --- /dev/null +++ b/chunks/txt/827db38cc993b14351aa62d339b0a63faa58689617a61d0a3f261b37a2195d85.txt @@ -0,0 +1,104 @@ +$ 104 + +53 +55 + +57 + +59 + +61 + +63 + +65 + +67 + +69 + +71 + +73 + +74 + +78 + +80 + +82 +84 + +86 + +88 + +90 + +92 + +94 + +96 +98 +100 + +109 + +111 + +108 + +112 + +My research did did not reveal any prior sales or transfers of the subject property for the three years prior to the effective date of this appraisal. +Data source(s) 110 +My research did did not reveal any prior sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale. +Data source(s) 113 +Report the results of the research and analysis of the prior sale or transfer history of the subject property and comparable sales (report additional prior sales on page 3). +COMPARABLE SALE # 3 +118 +119 +120 +121 + +Date of Prior Sale/Transfer +Price of Prior Sale/Transfer +Data Source(s) +Effective Date of Data Source(s) +Analysis of prior sale or transfer history of the subject property and comparable sales 122 + +COMPARABLE SALE # 1 +118 +119 +120 +121 + +COMPARABLE SALE # 2 +118 +119 +120 +121 + +SUBJECT +114 +115 +116 +117 + +ITEM + +Summary of Sales Comparison Approach 123 + +Indicated Value by Sales Comparison Approach $ 124 +Indicated Value by: Sales Comparison Approach $ 125 +128 + +Cost Approach (if developed) $ 126 + +Income Approach (if developed) $ 127 + +This appraisal is made “as is”, subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been +completed, subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or subject to the +following required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair: 133 diff --git a/chunks/txt/82854e7f4c514af572fe11ebf1ad941b959b2354509da50444c6d41ee376cc2f.txt b/chunks/txt/82854e7f4c514af572fe11ebf1ad941b959b2354509da50444c6d41ee376cc2f.txt new file mode 100644 index 0000000000000000000000000000000000000000..61927ed74ee3b30deba8d29654930468b1d3b299 --- /dev/null +++ b/chunks/txt/82854e7f4c514af572fe11ebf1ad941b959b2354509da50444c6d41ee376cc2f.txt @@ -0,0 +1,206 @@ +R + +R + +T + +T + +T + +T + +R + +R + +R + +R + +R + +R + +T + +T + +T + +T + +R + +R + +R + +R + +R + +R + +T + +T + +T + +T + +R + +R + +R + +R + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 81 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D + +11 + +12 + +13 + +14 + +15 + +16 + +17 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +13 + +14 + +10 + +SUBJECT + +Zip Code + +Property Postal +Code + +The postal code (zip code in the US) of +the subject property. Zip code may be +either 5 or 9 digits. + +/VALUATION_RESPONSE/PROPERTY/@_PostalCode + +11 + +SUBJECT + +Borrower + +GSE Borrower +Name + +The unparsed name(s) of person(s) or non- +person entities that are the borrower(s). + +12 + +SUBJECT + +Owner of Public Record + +GSE Property +Owner Name + +The unparsed name(s) of the subject +property owner(s). + +/VALUATION_RESPONSE/PARTIES/BORROWER/BORROWER_EXTENSI +ON/BORROWER_EXTENSION_SECTION[@ExtensionSectionOrganizationNa +me='UNIFORM APPRAISAL +DATASET']/BORROWER_EXTENSION_SECTION_DATA/BORROWER_NA +ME/@GSEBorrowerName + +/VALUATION_RESPONSE/PROPERTY/_OWNER/PROPERTY_OWNER_EX +TENSION/PROPERTY_OWNER_EXTENSION_SECTION[@ExtensionSection +OrganizationName='UNIFORM APPRAISAL +DATASET']/PROPERTY_OWNER_EXTENSION_SECTION_DATA/PROPER +TY_OWNER/@GSEPropertyOwnerName + +SUBJECT + +County + +Property County + +The county in which the subject property +is located. + +/VALUATION_RESPONSE/PROPERTY/@_County + +10 + +50 + +45 diff --git a/chunks/txt/829a5233fe5077f473b3c19f51f14ba17a2aafe1ff60f8b011e2bb6be1f9d1ff.txt b/chunks/txt/829a5233fe5077f473b3c19f51f14ba17a2aafe1ff60f8b011e2bb6be1f9d1ff.txt new file mode 100644 index 0000000000000000000000000000000000000000..f36ac26ed5737a575a3569b5ae6a80cdc763da40 --- /dev/null +++ b/chunks/txt/829a5233fe5077f473b3c19f51f14ba17a2aafe1ff60f8b011e2bb6be1f9d1ff.txt @@ -0,0 +1,46 @@ +23. 1 – 23. 9 PARTY I NFORMATI ON + +The following information is disclosed for each organization and associated contact applicable to the +transaction. + +23. 1 NAME (COMPANY) + +Name (company) is the legal name (e.g., the name used for registration, incorporation, or chartering purposes), +the trade name, if any, or an abbreviation of legal name or the trade name is disclosed for the company name. If +abbreviated, the name must be clear and conspicuous. + +Appendix E: UCD Implementation Guide + +Page 225 of 254 + +Version 1.4 + +Uniform Closing Dataset + +23. 2 ADDRESS + +23.0 Contact Information + +Address is the place of business where the primary contact for the transaction is located (usually the local +office), rather than a general corporate headquarters address. + +23. 3 NMLS I D (ORGANI ZATION) + +Section 1026.36(g) of the CFPB’s 2013 Loan Originator Final Rule requires a loan originator organization (lender +or mortgage broker) to include its name and Nationwide Mortgage Licensing System & Registry (NMLSR) ID on +the Closing Disclosure. + +23. 4 STATE CODE + LICENSE I D - UPDATED + +Not required by the GSEs. + +23. 5 CONTACT (PRI MARY) + +The lender must disclose the name of the consumer’s primary contact. This is the person employed by the +company identified in the first four rows of the Contact Information table who interacts most frequently with +the borrower(s) and also has an NMLSR ID. + +23. 6 NMLS I D (Contact) + +Section 1026.36(g) of the CFPB’s 2013 Loan Originator Final Rule requires the NMLSR ID of any individual with +primary responsibility for the loan origination on the Closing Disclosure. diff --git a/chunks/txt/82a05d0000b02f0c227ba163de294f82c9af8b8f80f550678631316450b6b14d.txt b/chunks/txt/82a05d0000b02f0c227ba163de294f82c9af8b8f80f550678631316450b6b14d.txt new file mode 100644 index 0000000000000000000000000000000000000000..3632c24393f99e8c6239140eb0b51b03d961ac0f --- /dev/null +++ b/chunks/txt/82a05d0000b02f0c227ba163de294f82c9af8b8f80f550678631316450b6b14d.txt @@ -0,0 +1,19 @@ +*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are +necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are +readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing +adjustments can be made to the comparable property by comparisons to financing terms offered by a third party +institutional lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a +mechanical dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate +the market’s reaction to the financing or concessions based on the appraiser’s judgment. + +STATEMENT OF ASSUMPTIONS AND LIMITING CONDITIONS: The appraiser’s certification in this report is +subject to the following assumptions and limiting conditions: + +1. The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the +title to it, except for information that he or she became aware of during the research involved in performing this appraisal. +The appraiser assumes that the title is good and marketable and will not render any opinions about the title. + +2. The appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency +(or other data sources) and has noted in this appraisal report whether any portion of the subject site is located in an +identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or +implied, regarding this determination. diff --git a/chunks/txt/82afead9be284a20021765fe8bfd0ffa5144e30a8cd90fa116ecb111f726679d.txt b/chunks/txt/82afead9be284a20021765fe8bfd0ffa5144e30a8cd90fa116ecb111f726679d.txt new file mode 100644 index 0000000000000000000000000000000000000000..6044a5bb42a7ebec5496a12140aa89cbb405e92c --- /dev/null +++ b/chunks/txt/82afead9be284a20021765fe8bfd0ffa5144e30a8cd90fa116ecb111f726679d.txt @@ -0,0 +1,267 @@ +/ + +> +H +P +G +< +5 +1 +0 +. +0 +1 +Y +J +5 +1 +N +E + +Federal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices + +41197 + +I + +S +E +C +T +O +N +h +t +i + +w +D +O +R +P +1 +B +6 +L +C +W +H +K +S +D +n +o + +n +o +s +n +b +o +r +s + +i + +VerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00059 Fmt 4703 Sfmt 4725 E:\FR\FM\15JYN1.SGM 15JYN1 + +/ + +> +H +P +G +< +6 +1 +0 +. +0 +1 +Y +J +5 +1 +N +E + +41198 + +Federal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices + +I + +S +E +C +T +O +N +h +t +i + +w +D +O +R +P +1 +B +6 +L +C +W +H +K +S +D +n +o + +n +o +s +n +b +o +r +s + +i + +VerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00060 Fmt 4703 Sfmt 4725 E:\FR\FM\15JYN1.SGM 15JYN1 + +/ + +> +H +P +G +< +7 +1 +0 +. +0 +1 +Y +J +5 +1 +N +E + +Federal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices + +41199 + +I + +S +E +C +T +O +N +h +t +i + +w +D +O +R +P +1 +B +6 +L +C +W +H +K +S +D +n +o + +n +o +s +n +b +o +r +s + +i + +VerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00061 Fmt 4703 Sfmt 4725 E:\FR\FM\15JYN1.SGM 15JYN1 + +/ + +> +H +P +G +< +8 +1 +0 +. +0 +1 +Y +J +5 +1 +N +E + +41200 + +Federal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices + +I + +S +E +C +T +O +N +h +t +i + +w +D +O +R +P +1 +B +6 +L +C +W +H +K +S +D +n +o + +n +o +s +n +b +o +r +s + +i + +VerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00062 Fmt 4703 Sfmt 9990 E:\FR\FM\15JYN1.SGM 15JYN1 diff --git a/chunks/txt/82b772b714068945b27f346d8b8f51a9ce8b845f558b0901746884982c07efe6.txt b/chunks/txt/82b772b714068945b27f346d8b8f51a9ce8b845f558b0901746884982c07efe6.txt new file mode 100644 index 0000000000000000000000000000000000000000..8e498abeee9a5ba9eb48efc01acaa1bd8f0ae4dd --- /dev/null +++ b/chunks/txt/82b772b714068945b27f346d8b8f51a9ce8b845f558b0901746884982c07efe6.txt @@ -0,0 +1,32 @@ +21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided +significant real property appraisal assistance. + +22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is +unauthorized and I will take no responsibility for it. + +Appraisal Version #2Fannie Mae | Freddie Mac September 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5) + +Uniform Residential Appraisal Report + +Page 19 of 19 +Page 19 of 19 + +Certifications (continued) + +23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will +receive this appraisal report. + +24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject +to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that +pertain to disclosure or distribution by me. + +25. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the +mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data +collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any +state, the District of Columbia, or other jurisdictions. Any of the foregoing persons or entities who receive this appraisal report may choose to +store, copy, reproduce, analyze, use and distribute the data in the appraisal report for internal or external purposes without having to obtain +the appraiser’s or supervisory appraiser’s (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or +distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). A +person or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as +an intended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to +the mortgage finance transaction and related activities for which this appraisal report was prepared. diff --git a/chunks/txt/82d1e5c69f78c9464a065441f75d5e2f040d5a2f82ca0f7514be8a6284912ac2.txt b/chunks/txt/82d1e5c69f78c9464a065441f75d5e2f040d5a2f82ca0f7514be8a6284912ac2.txt new file mode 100644 index 0000000000000000000000000000000000000000..cd2a4f11a59148c1163221a5bcec1d9551ebcd1c --- /dev/null +++ b/chunks/txt/82d1e5c69f78c9464a065441f75d5e2f040d5a2f82ca0f7514be8a6284912ac2.txt @@ -0,0 +1,106 @@ +The ADU Interior Quality and Condition subsection displays on the sales comparison grid if the subject or any comparables have ADU(s). +• When interior features are included in the ADU Interior Quality and Condition subsection, it provides context for: + +o +o + +Interior Quality Rating for the ADU, and for the Overall Quality Rating. +Interior Condition Rating for the ADU, and for the Overall Condition Rating. + +• Any adjustments are made in the Overall Quality Rating (22.11.04) or Overall Condition Rating (22.11.06) row, and not here. + +Report +Field ID + +Report Label + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: ADU Interior Quality and Condition + +22.10.01 +22.10.16 + +Location of +ADU + +22.10.01 +22.10.16 + +Location of +ADU + +22.10.02 +22.10.17 + +Quality + +When +Unit is an ADU +is Yes for the +subject or any +comparable + +When +Unit is an ADU +is Yes for the +subject or any +comparable + +When +Unit is an ADU +is Yes for the +subject or any +comparable + +Required if Unit is an +ADU is Yes + +Dwelling or +Outbuilding + +• + +Structure Type Not +on Report + +No + +Structure Type: The type of structure that contains the ADU. +If the ADU is in a dwelling, “Dwelling” displays. +Note: Location of ADU redisplays from 22.07.02 and 22.07.18. + +Required if Unit is an +ADU is Yes, and the +ADU is in an +outbuilding + +Choose an +allowable answer +from 10.000 + +Unit Interior +• + +Outbuilding Type +10.000 + +No + +If the ADU is in an outbuilding, Outbuilding Type displays. +Note: Location of ADU redisplays from 22.07.02 and 22.07.18. diff --git a/chunks/txt/82db705b723e4b2aa7f234f875eeecf0957f2a097e4d1512b8358c6bfdf7ffac.txt b/chunks/txt/82db705b723e4b2aa7f234f875eeecf0957f2a097e4d1512b8358c6bfdf7ffac.txt new file mode 100644 index 0000000000000000000000000000000000000000..f89805394ea4ca7f134b45eafe64a7bca2ca0644 --- /dev/null +++ b/chunks/txt/82db705b723e4b2aa7f234f875eeecf0957f2a097e4d1512b8358c6bfdf7ffac.txt @@ -0,0 +1,176 @@ +This is where the +Subject Property +photo would display. + +This is where the +Rental Comparable 1 +photo would display. + +This is where the +Rental Comparable 2 +photo would display. + +This is where the +Rental Comparable 3 +photo would display. + +This is where the +Rental Comparable 4 +photo would display. + +This is where the +Rental Comparable 5 +photo would display. + +Subject Property +12345 Holiday Hwy +Surfside, HI 12345 + +Comparable #1 +8275 Youngish St +Surfside, HI 12345 + +Comparable #2 +1337 Stone Back Blvd +Surfside, HI 12345 + +Comparable #3 +420 Long Ear Ave +Surfside, HI 12345 + +Data Source: +MLS 142332 + +Lease Start +Date: 09/2019 + +Data Source: +MLS 425021 + +Lease Start +Date: 08/2019 + +Data Source: +MLS 342332 + +Lease Start +Date: 02/2020 + +Actual Rent: $925 + +Actual Rent: $800 + +Actual Rent: $1,000 + +Comparable #4 +1776 Whitecrest Rd +Unit 1 +Surfside, HI 12345 + +Comparable #5 +1776 Whitecrest Rd +Unit 2 +Surfside, HI 12345 + +Data Source: +MLS 442332 + +Lease Start +Date: 10/2019 + +Data Source: +MLS 542332 + +Lease Start +Date: 09/2019 + +Actual Rent: $1,300 + +Actual Rent: $1,200 + +Comparable Rental Analysis + +Proximity to Subject + +Neighborhood Name + +Site Influence + +View from Unit + +Site Size + +Interior Condition + +Bedrooms + +Baths - Full | Half + +Finished Area + +Furnished + +Utilities/Services +Included + +Rent Control + +Rent Concessions + +Subject +Unit 1 + +Hawaiian +Vista + +Busy +Roadway + +#1 + +0.4 Miles N + +Comparables +#2 +0.4 Miles SE + +Bay Hills + +Hillview + +#3 +1 Miles W + +Bayville + +Similar + +Similar + +Similar + +Subject +Unit 2 + +Hawaiian +Vista + +Busy +Roadway + +#1 + +0.4 Miles N + +Bay Hills + +Similar + +Comparables +#4 +0.5 Miles NE + +Hillview +Gardens + +Similar diff --git a/chunks/txt/82df88e8cb38e8a91f6d0d7ab710b2716554c25c58b059019016cdca80bf1f50.txt b/chunks/txt/82df88e8cb38e8a91f6d0d7ab710b2716554c25c58b059019016cdca80bf1f50.txt new file mode 100644 index 0000000000000000000000000000000000000000..54586375852922fb55686a6cd0f935c1112ea708 --- /dev/null +++ b/chunks/txt/82df88e8cb38e8a91f6d0d7ab710b2716554c25c58b059019016cdca80bf1f50.txt @@ -0,0 +1,102 @@ +Appendix B-1: URAR Implementation Guide v1.3 + +Client + +Company name and address is reported for clients, and credentials (license information) are reported for AMCs when applicable (when +required by the jurisdiction in which the subject property is located). + +• Clients must have an additional PartyRoleType (UID: 2400.0017, FID: 2.011) to identify the type of client. + +Page 88 + +Assignment Information: Contact Information – [Role]/[Role] - Client + +Report +Field ID + +Report Label + +Unique ID + +MISMO Data Point Name + +2.012 + +Company Name + +2400.0013 + +FullName + +2400.0001 + +AddressLineText + +2400.0002 + +CityName + +2400.0004 + +StateCode + +2400.0003 + +PostalCode + +2.013 + +Company Address + +Credentials + +2.014 + +ID + +2400.0015 + +LicenseIdentifier + +2.015 + +State + +2400.0016 + +LicenseIssuingAuthorityStateCode + +2.016 + +Expires + +2400.0014 + +LicenseExpirationDate + +Display Rules + +When PartyRoleType (UID: 2400.0018, FID: 2.010) = “Client” and +PartyRoleType (UID: 2400.0017, FID: 2.011) is present … + +Always displays + +Always displays + +Always displays + +Always displays + +Always displays + +If LicenseIdentifier, LicenseIssuingAuthorityStateCode, and +LicenseExpirationDate are not provided, do not display report label. + +Display when provided for PartyRoleType (UID: 2400.0017, FID: 2.011) = +“ManagementCompany”. If not provided, do not display report label. + +Display when provided for PartyRoleType (UID: 2400.0017, FID: 2.011) = +“ManagementCompany”. If not provided, do not display report label. + +Display when provided for PartyRoleType (UID: 2400.0017, FID: 2.011) = +“ManagementCompany”. If not provided, do not display report label. diff --git a/chunks/txt/82e6dff5b3bca82a238a1d32243e553ee0beedbe88188271354ab5105b9cf99d.txt b/chunks/txt/82e6dff5b3bca82a238a1d32243e553ee0beedbe88188271354ab5105b9cf99d.txt new file mode 100644 index 0000000000000000000000000000000000000000..3b092b28c4b3a034f4488a0556b86ce2b73ee75c --- /dev/null +++ b/chunks/txt/82e6dff5b3bca82a238a1d32243e553ee0beedbe88188271354ab5105b9cf99d.txt @@ -0,0 +1,51 @@ +Either all of fields 1-158, 1-159, 1-160, +1-161, 1-162, 1-163 (Development +Stage Type = 'Complete') or all of fields +1-164, 1-165, 1-166, 1-167, 1-168, 1- +169 (Development Stage Type = +'Incomplete') should be populated. One +and only one of these two sets of fields +should be populated, and the other set +of fields should be left blank. + +Either all of fields 1-158, 1-159, 1-160, +1-161, 1-162, 1-163 (Development +Stage Type = 'Complete') or all of fields +1-164, 1-165, 1-166, 1-167, 1-168, 1- +169 (Development Stage Type = +'Incomplete') should be populated. One +and only one of these two sets of fields +should be populated, and the other set +of fields should be left blank. + +One and only one of fields 1-170, 1- +171, 1-172 (values of Project Primary +Occupancy Type) should be indicated. +One and only one of fields 1-170, 1- +171, 1-172 (values of Project Primary +Occupancy Type) should be indicated. +One and only one of fields 1-170, 1- +171, 1-172 (values of Project Primary +Occupancy Type) should be indicated. + +One and only one of fields 1-173, 1- +174 (values of Project Developer +Controls Project Management +Indicator) must be indicated. + +One and only one of fields 1-173, 1- +174 (values of Project Developer +Controls Project Management +Indicator) must be indicated. + +At least one of fields 1-175, 1-176, 1- +177 (values of Project Management +Type and sometimes values of Project +Management Type Other Description) +should be indicated. + +At least one of fields 1-175, 1-176, 1- +177 (values of Project Management +Type and sometimes values of Project +Management Type Other Description) +should be indicated. diff --git a/chunks/txt/82ec316199d8e2f660075cfb8ca8608f38a3e108056981559d762c44029025fd.txt b/chunks/txt/82ec316199d8e2f660075cfb8ca8608f38a3e108056981559d762c44029025fd.txt new file mode 100644 index 0000000000000000000000000000000000000000..c5acdb00ca2b96629754ae876ae8cbb1be005140 --- /dev/null +++ b/chunks/txt/82ec316199d8e2f660075cfb8ca8608f38a3e108056981559d762c44029025fd.txt @@ -0,0 +1,86 @@ +2-point rule x 45 picas, 6 points space below to: + +(FTR-L) Left side + +• 8-point Myriad Pro Bold “Appraisal Version #”, one line space below to 50% black “Fannie + +Mae | Freddie Mac,” Month YYYY + +(FTR-R) Right side + +• 8-point Myriad Pro Bold with Myriad Pro Regular. Identifiers set stacked, aligned right, 1 em +space to identifiers, set in 8 point regular, align left, longest identifier aligns right on rule +above. Baseline of last line sits on bottom margin of .5". + +FTR + +Appendix E: Report Style Guide + +Page 16 of 90 + +Version 1.4 + +Appendix E: Report Style Guide + +Page 17 of 90 + +Version 1.4 + +Below are specifications for all section headings. Unless specified otherwise, design elements print 100% black. + +TITLE – Report Title + +TITLE + +TEXT + +32-point Myriad Pro Regular, align left. + +SPACE + +2 picas 2 points to page margin above; 6 points space below to TITLE-ADD. + +TITLE-ADD – Subject Address for Report Title + +TEXT + +12/13 Myriad Pro Black, all caps. + +SPACE + +3 picas space below to SUM-HD. + +TITLE-ADD + +SUM-HD – Summary Section Title + +TEXT + +14-point Myriad Pro Black, all caps. + +RULE + +2-point rule x 45 picas wide. Offset: 0 picas 5 points. + +SUM-HD + +TAB – Section Title (Black Tab) + +TEXT + +9/13 Myriad Pro Bold set white in black bar, align left and indent +0 picas 4 points. + +RULE + +½ point rule x 45 picas wide. Offset: 0 picas 3 points. + +TAB + +12 picas wide x 1p3 picas high. Top left and right corners rounded 1 pica 0 +points; width can be adjusted as needed for longer titles. + +SPACE + +1 pica 7.5 points of space to element above (see example below); at the top +of a page, 1 pica space to heading rule. diff --git a/chunks/txt/82f82a57481a568794f6800b81deedf38e93d8e0aa6d3b9aadb2cc0380afc465.txt b/chunks/txt/82f82a57481a568794f6800b81deedf38e93d8e0aa6d3b9aadb2cc0380afc465.txt new file mode 100644 index 0000000000000000000000000000000000000000..aa90aebf5d1c0ee15579788a7b2e5bf99bd3651f --- /dev/null +++ b/chunks/txt/82f82a57481a568794f6800b81deedf38e93d8e0aa6d3b9aadb2cc0380afc465.txt @@ -0,0 +1,94 @@ +• Table text (TB) sets flush left except if within a stack of numbers or unless otherwise noted in Part 2. + +Specific Section Details. + +• Table text (TB) sets initial cap. + +• When no content is chosen, cell remains empty. For the Sales Comparison Approach, Rental Information, + +Cost Approach, and Income Approach only, see Part 2. Specific Section Details for table/grid +specifications. + +Appendix E: Report Style Guide + +Page 27 of 90 + +Version 1.4 + +TEXT + +8/9 Myriad Pro Regular (~4 characters per pica max). + +INDENT Align left, unless otherwise noted in Part 2. Specific Section Details. + +INSET + +Top 0 picas 3 points; Bottom 3.2 points; Left and Right 4 points. + +RULE + +½ point rule in 50% black. + +TB - Table Text + +TB + +TB-I - Table Text Indented + +TEXT + +8/9 Myriad Pro Regular (~4 characters per pica max). + +INDENT Align left, indent 8 points, unless otherwise noted in Part 2. Specific Section + +Details. + +INSET + +Top 0 picas 3 points; Bottom 3.2 points; Left and Right 4 points. + +RULE + +½ point rule in 50% black. + +TB-1 + +TB-B - Table Text Bold + +TEXT + +8/9 Myriad Pro Bold (~4 characters per pica max). + +INDENT Align left, unless otherwise noted in Part 2. Specific Section Details. + +INSET + +Top 0 picas 3 points; Bottom 3.2 points; Left and Right 4 points. + +RULE + +½ point rule in 50% black. + +TB-B + +TCH - Table Column Heading + +TEXT + +9/10 Myriad Pro Bold (~3 characters per pica max). + +INDENT Align left and indent 4 points, unless otherwise noted in Part 2. Specific + +Section Details. + +Appendix E: Report Style Guide + +Page 28 of 90 + +Version 1.4 + +RULE + +½ point rule in 50% black below. Offset 4 points. + +NOTE: diff --git a/chunks/txt/82fc85f767b71e0161092ada8a9d537ce098e7d3f46c9e9cb5978f1e66293d11.txt b/chunks/txt/82fc85f767b71e0161092ada8a9d537ce098e7d3f46c9e9cb5978f1e66293d11.txt new file mode 100644 index 0000000000000000000000000000000000000000..d21c8a4533453289753f956583d362442674ebce --- /dev/null +++ b/chunks/txt/82fc85f767b71e0161092ada8a9d537ce098e7d3f46c9e9cb5978f1e66293d11.txt @@ -0,0 +1,31 @@ +[](/applications-technology/servicing-management-default-underwriter-smdu/smdu-ui-payment-deferral-options-user-guide) + +**Online Learning** +[SMDU Help & Training page](/learning-center/servicing/servicing-management-default-underwriter) + +#### Loss Mitigation Valuations Features + +Use SMDU User Interface to: + +- Order and retrieve a property’s Automated Valuation Model (AVM) estimated value and confidence score for loan modifications and Mortgage Release™. + - Order, manage and retrieve the results of a loss mitigation valuation request for a Charge-off, Mortgage Release, Reserve Price Bid Instructions or Short Sale. + **Key Benefits** + +- Simplified loss mitigation property valuation process. + - One application to order AVM estimated value as well as order, manage, and retrieve results of a loss mitigation valuation request. + - Access to no-cost AVM estimated value. + - Supports single loan and multiple loan (bulk) requests. + **Help & Training** + [SMDU UI Loss Mitigation Valuations User Guide](/applications-technology/servicing-management-default-underwriter-smdu/smdu-ui-loss-mitigation-valuations-user-guide) + +#### Borrower-Initiated Mortgage Insurance Termination Features + +The mortgage insurance (MI) termination tool within SMDU™ makes it easier to evaluate borrower requests to terminate conventional MI based on the Original Value and/or Current Value of the property. + +**Key Benefits** + +- Automated evaluation and decisioning ensures compliance with Fannie Mae policy. + - Access to no-cost Automated Valuation Model (AVM) estimated value of the property and/or standardized pricing for BPO/appraisal. + - Simpler evaluation process and lower costs for a better borrower experience. + - Offers servicers limited liability relief when using SMDU™ decisioning. + **How it works** diff --git a/chunks/txt/83031839a69589c74a81f8e0bfbca44f51a4980ae5af84db63b0d6c8bf2778dd.txt b/chunks/txt/83031839a69589c74a81f8e0bfbca44f51a4980ae5af84db63b0d6c8bf2778dd.txt new file mode 100644 index 0000000000000000000000000000000000000000..887abec94eefdbb60f8f97b2d0f369cbef639295 --- /dev/null +++ b/chunks/txt/83031839a69589c74a81f8e0bfbca44f51a4980ae5af84db63b0d6c8bf2778dd.txt @@ -0,0 +1,42 @@ + There is a one-to-one relationship between DEAL_SETS and PARTIES. MIN=1 + +means that for each DEAL_SETS container, one PARTIES container must be sent, +and MAX=1 means only one may be sent. + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 31 of 76 + +Section IV. Using the MISMO V3.0 Reference Model + +C. XPath-V3.0 Reference Model Navigation + +XPath helps business partners locate data points within an XML schema document. The +XPath language provides the directions to each container and data point within the V3.0 +Reference Model. The location is expressed as relative to the root container, MESSAGE. +XPath directions move through the XML schema first to the right, then down, to the +location of a container. + +The XPath to each container used in ULDDS Appendix A is provided under the container +heading bar immediately preceding the data points within a given container: + +Table IV-3. XPath Example from ULDDS Appendix A. + +MESSAGE (MIN=1, MAX=1) + +.ABOUT_VERSIONS (MIN=1, MAX=1) + +..ABOUT_VERSION (MIN=1, MAX=1) + +XPath: MESSAGE/ABOUT_VERSIONS/ABOUT_VERSION + +IN DEPTH + +Reusable Containers. It is particularly critical to know the XPath of containers and data +points that are used in more than one place in the V3.0 Reference Model, as their location +in the schema provides their context and indicates how they will be used. ULDDS +Appendix A contains the following “reusable” containers, including ADDRESS and NAME. +Notice how their location in the V3.0 Reference Model, as indicated by the XPath, +changes their meaning. diff --git a/chunks/txt/830f26dcbdd1aa38805b8f3fee0997da9b3c3d7c6c176419adf4ce5cbf41e9d7.txt b/chunks/txt/830f26dcbdd1aa38805b8f3fee0997da9b3c3d7c6c176419adf4ce5cbf41e9d7.txt new file mode 100644 index 0000000000000000000000000000000000000000..63deb8bf34b5b390ea15115297a349549d7471f7 --- /dev/null +++ b/chunks/txt/830f26dcbdd1aa38805b8f3fee0997da9b3c3d7c6c176419adf4ce5cbf41e9d7.txt @@ -0,0 +1,132 @@ +Dwelling Exterior Exhibits + +Dwelling Rear + +Unit Interior + +Area Breakdown + +Finished Above Grade +Unfinished Above Grade +Finished Below Grade +Unfinished Below Grade + +Area Data Source + +1,092 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +Condominium Questionnaire +Property Data Report + +Levels in Unit +Floor Number +Corner Unit +Occupancy +Total Bedrooms +Total Bathrooms - Full +Total Bathrooms - Half +Non-Residential Use in Unit +Live/Work Space + +1 +2 +No +Owner +2 +2 +0 +No +No + +Level and Room Detail + +Level in Unit +Level 1 + +Grade Level Detail +Above Grade + +Finish +Finished + +Area +1,092 Sq. Ft. + +Room Summary +2 - Bath - Full +2 - Bedroom +1 - Dining Room +1 - Kitchen +1 - Living Room + +Appraiser Reference ID 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1) + +Uniform Residential Appraisal Report + +Page 7 of 22 +Page 7 of 22 + +Unit Interior (continued) + +Quality and Condition + +Interior Quality Rating + +Q4 + +Interior Condition Rating + +C3 + +The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report + +Kitchen and Bathroom Details + +Room +Kitchen +Level 1 + +Bath - Full +Level 1 + +Bath - Full +Level 1 + +Update Status +Fully Updated + +Time Frame +1-5 years + +Fully Updated + +1-5 years + +Fully Updated + +1-5 years + +Quality Comment +GE Monogram +appliances and +hardwood painted +cabinets. + +Tile shower and custom +vanity, owners utilized +custom designer for tile +work. + +Tile shower and custom +vanity. + +Condition Status +New or Like New + +Condition Comment +Add comment if +needed. + +Typical Wear and Tear diff --git a/chunks/txt/831d84ca4181ef78772bd9d7f0696efa196db79f9f892011f58d5e3946e3e70a.txt b/chunks/txt/831d84ca4181ef78772bd9d7f0696efa196db79f9f892011f58d5e3946e3e70a.txt new file mode 100644 index 0000000000000000000000000000000000000000..437c8d314a21b7d6415933f4a6a95d0243eed716 --- /dev/null +++ b/chunks/txt/831d84ca4181ef78772bd9d7f0696efa196db79f9f892011f58d5e3946e3e70a.txt @@ -0,0 +1,47 @@ +[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 + +# Public Engagements + +## Breadcrumb + +- [Home](/) + - [News](/news) + - Public Engagements + +## 2024 + +## **November 2024** + +## **FHFA Fall Econ Summit** + +**Date:** 11/12/2024 + +**Time:** 8:30 AM - 6:00 PM ET diff --git a/chunks/txt/83282855269920bf366d56bee3e8ccaeecb7d0f281afb793d7b4234b1041b8c6.txt b/chunks/txt/83282855269920bf366d56bee3e8ccaeecb7d0f281afb793d7b4234b1041b8c6.txt new file mode 100644 index 0000000000000000000000000000000000000000..9a8f0c6dc3e448d7fc89b5c05f044f5a9e84a320 --- /dev/null +++ b/chunks/txt/83282855269920bf366d56bee3e8ccaeecb7d0f281afb793d7b4234b1041b8c6.txt @@ -0,0 +1,54 @@ +(cid:21)(cid:17)(cid:19)(cid:24)(cid:19) + +(cid:21)(cid:17)(cid:19)(cid:24)(cid:20) + +(cid:21)(cid:17)(cid:19)(cid:24)(cid:21) + +Contact Information + +[Role]/[Role] + +(cid:21)(cid:17)(cid:19)(cid:20)(cid:19)(cid:3)(cid:18)(cid:21)(cid:17)(cid:19)(cid:20)(cid:20) + +Company Name +Company Address + +Appraiser + +Name +Designation +Company Name +Company Address + +Scope of Inspection by Appraiser + +Subject Property Inspection + +Exterior +Interior +Inspection Date + +Supervisory Appraiser + +Name +Designation +Company Name +Company Address + +(cid:21)(cid:17)(cid:19)(cid:20)(cid:21) + +(cid:21)(cid:17)(cid:19)(cid:20)(cid:22) + +(cid:21)(cid:17)(cid:19)(cid:20)(cid:26) + +(cid:21)(cid:17)(cid:19)(cid:20)(cid:27) + +(cid:21)(cid:17)(cid:19)(cid:20)(cid:28) + +(cid:21)(cid:17)(cid:19)(cid:21)(cid:19) + +(cid:21)(cid:17)(cid:19)(cid:21)(cid:20) + +(cid:21)(cid:17)(cid:19)(cid:21)(cid:21) + +(cid:21)(cid:17)(cid:19)(cid:21)(cid:22) diff --git a/chunks/txt/8340a551deb3fd62fbbfb748b35cc5866a6a5f682ef45b13c1d36af12ab1c4b2.txt b/chunks/txt/8340a551deb3fd62fbbfb748b35cc5866a6a5f682ef45b13c1d36af12ab1c4b2.txt new file mode 100644 index 0000000000000000000000000000000000000000..0d8df86b22450d92c90017408736744165a15816 --- /dev/null +++ b/chunks/txt/8340a551deb3fd62fbbfb748b35cc5866a6a5f682ef45b13c1d36af12ab1c4b2.txt @@ -0,0 +1,22 @@ +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23) + +Appraiser Reference ID +Agency Case File ID +Client Reference ID +AMC Reference ID + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27) + +Uniform Residential Appraisal Report + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20) + +Page [Page] of [Pages] + +Apparent Defects, Damages, Deficiencies (Site) + +(cid:53)(cid:73)(cid:70)(cid:1)(cid:74)(cid:85)(cid:70)(cid:78)(cid:84)(cid:1)(cid:77)(cid:74)(cid:84)(cid:85)(cid:70)(cid:69)(cid:1)(cid:67)(cid:70)(cid:77)(cid:80)(cid:88)(cid:1)(cid:83)(cid:70)(cid:81)(cid:83)(cid:70)(cid:84)(cid:70)(cid:79)(cid:85)(cid:1)(cid:85)(cid:73)(cid:70)(cid:1)(cid:34)(cid:84)(cid:1)(cid:42)(cid:84)(cid:1)(cid:68)(cid:80)(cid:79)(cid:69)(cid:74)(cid:85)(cid:74)(cid:80)(cid:79)(cid:1)(cid:66)(cid:84)(cid:1)(cid:80)(cid:71)(cid:1)(cid:85)(cid:73)(cid:70)(cid:1)(cid:70)(cid:71)(cid:71)(cid:70)(cid:68)(cid:85)(cid:74)(cid:87)(cid:70)(cid:1)(cid:69)(cid:66)(cid:85)(cid:70)(cid:1)(cid:80)(cid:71)(cid:1)(cid:85)(cid:73)(cid:74)(cid:84)(cid:1)(cid:83)(cid:70)(cid:81)(cid:80)(cid:83)(cid:85) diff --git a/chunks/txt/8341e188fd7907e247ff9cf439a90163bd81121478b33771d103b8e950355f86.txt b/chunks/txt/8341e188fd7907e247ff9cf439a90163bd81121478b33771d103b8e950355f86.txt new file mode 100644 index 0000000000000000000000000000000000000000..cc54151c149f34d6383cde5400770a741c9768f1 --- /dev/null +++ b/chunks/txt/8341e188fd7907e247ff9cf439a90163bd81121478b33771d103b8e950355f86.txt @@ -0,0 +1,52 @@ +Garage/Carport +Sale or Financing Concessions +View +View +Garage/Carport +Data Sources +Design (Style) +Garage/Carport +Date of Sale/Time +Sale or Financing Concessions +Sale or Financing Concessions +Garage/Carport +Garage/Carport +Garage/Carport +Garage/Carport +Location +View +Design (Style) +Design (Style) +Basement & Finished Rooms Below Grade +Location & View +Sale or Financing Concessions +Location +View +Design (Style) +View +Location & View +Sale or Financing Concessions +Basement & Finished Rooms Below Grade +Design (Style) +Garage/Carport +View + +Appropriate Fields + +View +Location +View +Sale or Financing Concessions +Sale or Financing Concessions +Location & View + +Page 68 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. diff --git a/chunks/txt/834599b35c9d4983424d1b6c87d52c529bc71e5dae6576505eb8648fdaa95954.txt b/chunks/txt/834599b35c9d4983424d1b6c87d52c529bc71e5dae6576505eb8648fdaa95954.txt new file mode 100644 index 0000000000000000000000000000000000000000..8e100e640f0d2bc329ec65fc85c171d2be25b27f --- /dev/null +++ b/chunks/txt/834599b35c9d4983424d1b6c87d52c529bc71e5dae6576505eb8648fdaa95954.txt @@ -0,0 +1,13 @@ +Summary ....................................................................................................................................................... 32 + +Property Description (H1) ................................................................................................................................... 32 + +Appendix E: Report Style Guide + +Page 5 of 90 + +Version 1.4 + +Apparent Defects, Damages, Deficiencies Requiring Action (H1) ...................................................................... 33 + +Assignment Information ................................................................................................................................ 34 diff --git a/chunks/txt/834a032496740a4badbf29fcb43e7ba78f77a647ed587932c01c61dbb8d8cb9a.txt b/chunks/txt/834a032496740a4badbf29fcb43e7ba78f77a647ed587932c01c61dbb8d8cb9a.txt new file mode 100644 index 0000000000000000000000000000000000000000..84fcc5b08599860aa724c6e822e22f8384ac2b58 --- /dev/null +++ b/chunks/txt/834a032496740a4badbf29fcb43e7ba78f77a647ed587932c01c61dbb8d8cb9a.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"taxonomy\/term\/246","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\/fair-act-inventory":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. 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License +information is reported in Credentials (2.024-2.027 or 2.039-2.042). + +The name of the company for which the appraiser or supervisory appraiser +works. + +Company Name Always required for + +Free-form + +2.019 +2.034 + +2.020 +2.035 + +Company +Address + +the appraiser and +supervisory appraiser + +Always required for +the appraiser and +supervisory appraiser + +Free-form + +The address of the company for which the appraiser or supervisory appraiser +works. + +Scope of Inspection by Appraiser and Supervisory Appraiser diff --git a/chunks/txt/837142fe42a7f7c6ab7754bcd532acc43428e4ad85a0aa5cabbcccc365c7aec9.txt b/chunks/txt/837142fe42a7f7c6ab7754bcd532acc43428e4ad85a0aa5cabbcccc365c7aec9.txt new file mode 100644 index 0000000000000000000000000000000000000000..a7386cdf57873e6d42d6d46d35c510935f131d1b --- /dev/null +++ b/chunks/txt/837142fe42a7f7c6ab7754bcd532acc43428e4ad85a0aa5cabbcccc365c7aec9.txt @@ -0,0 +1,34 @@ +DU for Government Loans Release Notes +April 2023 Release + +Feb. 15, 2023 + Updated Mar. 9, 2023 + +During the weekend of April 15, 2023, Desktop Underwriter® (DU®) for government loans will be updated to support FHA and VA +changes. + +N O T E : For ease of reference, this document generally uses the term “DU” to refer to “DU for government loans.” + +Mar. 9, 2023: These release notes have been updated to include a new release date. The release will no longer take place the +weekend of March 18, but will be implemented the weekend of April 15. + +VA Message Updates + +Several VA specific messages will be updated for clarity and to better align with the VA Lender’s Handbook. These changes will +apply to both VA version 3.0 and 3.1. + +New FHA Version 4.1 + +FHA version 4.1 will be implemented and will apply to new FHA loan casefiles created on or after the weekend of April 15, 2023. +Loan casefiles created in FHA version 4.0 will continue to be underwritten with FHA version 4.0. This is a DU specific version and +will not impact the version of TOTAL that is applied to the submission. + +FHA Required Investment Calculation Change and Other FHA Updates + +▪ At the direction of FHA, payoffs will no longer be included in the Required Investment Calculation that is sent to the FHA + +TOTAL scorecard on refinance transactions. The determination of this amount will be taken from Line E. Credit Cards and +Other Debts Paid Off in section L4 of the Desktop Originator® (DO®)/DU user interface. For any payoffs that are to be +included in the transaction, lenders should ensure that the amount for that field is separated from Line D. For Refinance: +Balance of Mortgage Loans on the Property to be paid off in the Transaction, in section L4 on all refinance transactions. +The next update of the DU Specification (DU Spec) version will reflect this change. diff --git a/chunks/txt/8375b907db1dd1a60c578d0a24cc2ca762d9f3aff0ce1b554ecf7bf1a5bbfeb8.txt b/chunks/txt/8375b907db1dd1a60c578d0a24cc2ca762d9f3aff0ce1b554ecf7bf1a5bbfeb8.txt new file mode 100644 index 0000000000000000000000000000000000000000..e935224299366401f3ffe41a77baea494326f2b0 --- /dev/null +++ b/chunks/txt/8375b907db1dd1a60c578d0a24cc2ca762d9f3aff0ce1b554ecf7bf1a5bbfeb8.txt @@ -0,0 +1,39 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +# FOIA Annual Report + +## Breadcrumb + +- [Home](/) + - [Reports](/reports) + - FOIA Annual Report + +​​​​​​The FOIA requires each federal agency to submit an Annual Report to the Attorney General each year. These reports contain detailed statistics on the numbers of requests received and processed by each agency, the time taken to respond, and the outcome of each request, as well as many other vital statistics regarding the administration of the FOIA at federal departments and agencies. diff --git a/chunks/txt/837c33574775ed4c5a0a8d9e3458183e298bb04eebd618801b86fdf2bf92df93.txt b/chunks/txt/837c33574775ed4c5a0a8d9e3458183e298bb04eebd618801b86fdf2bf92df93.txt new file mode 100644 index 0000000000000000000000000000000000000000..cc0d74ecc47f961f15d2864975b2e8f23c05a6e7 --- /dev/null +++ b/chunks/txt/837c33574775ed4c5a0a8d9e3458183e298bb04eebd618801b86fdf2bf92df93.txt @@ -0,0 +1,86 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SALE_PRICE_ +ADJUSTMENT[@_Type=‘HeatingCooling’]/@_Amount + +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=‘EnergyEfficient’]/@_Description + +SALES +COMPARISON +APPROACH + +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. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SALE_PRICE_ +ADJUSTMENT[@_Type=‘EnergyEfficient’]/@_Amount + +SALES +COMPARISON +APPROACH + +Garage/Carport + +SALES +COMPARISON +APPROACH + +Garage/Carport Adjustment + +SALES +COMPARISON +APPROACH + +Porch/Patio/Deck + +SALES +COMPARISON +APPROACH + +Porch/Patio/Deck Adjustment + +Sale Price +Adjustment +Description + +Sale Price +Adjustment +Amount + +Sale Price +Adjustment +Description + +Sale Price +Adjustment +Amount + +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=‘CarStorage’]/@_Description + +The dollar amount of the adjustment +applied to the sale price for the property +feature identified by Sale Price +Adjustment Type. diff --git a/chunks/txt/837cb017f3c2ba720a4fe4e061d75bbb5dc36dfbdbf8d439b8d0ac892b89b241.txt b/chunks/txt/837cb017f3c2ba720a4fe4e061d75bbb5dc36dfbdbf8d439b8d0ac892b89b241.txt new file mode 100644 index 0000000000000000000000000000000000000000..e15ed272b8128a9e5107c4a8090bc3bcc0ca7134 --- /dev/null +++ b/chunks/txt/837cb017f3c2ba720a4fe4e061d75bbb5dc36dfbdbf8d439b8d0ac892b89b241.txt @@ -0,0 +1,22 @@ +The following UAD 3.6 resources provide the actionable documentation needed to translate the data entered on the report into the format required for submission via the UCDP. See below for legacy UAD resources. + +### + +- Uniform Residential Appraisal Report + - Restricted Appraisal Update Report + - Completion Report + [**Appendix A-1: URAR Delivery Specification**](/media/document/xlsx/appendix-1-urar-delivery-specification) + +This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6. + +[**Appendix B-1: URAR Implementation Guide**](/media/document/zip/appendix-b-1-urar-implementation-guide) + +This zip file contains the Implementation Guide and its supplements. The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. The supplements help identify details related to the Comparable Grids and provide guidance for creating the user interface. + +[**Appendix C-1: URAR Layout**](/media/document/zip/appendix-c-1-urar-layout) + +This zip file contains the URAR with Report Field IDs document and the URAR without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the URAR, regardless of conditionality. + +[**Appendix D-1: URAR Sample Scenarios and XML Files**](/media/document/zip/appendix-d-1-urar-sample-scenarios-and-xml-files) + +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. diff --git a/chunks/txt/8394335fcfb1e1179a088bc3a5398dcf05f4539a7eebff534f359d3437b78356.txt b/chunks/txt/8394335fcfb1e1179a088bc3a5398dcf05f4539a7eebff534f359d3437b78356.txt new file mode 100644 index 0000000000000000000000000000000000000000..1bfb3fc3539bd4b7213df4fac97dbba75ab0d921 --- /dev/null +++ b/chunks/txt/8394335fcfb1e1179a088bc3a5398dcf05f4539a7eebff534f359d3437b78356.txt @@ -0,0 +1,19 @@ +State credential that applies to the assignment, commonly referred to as the +“credentialling state.” +Note: Redisplays from 08.022 (Appraiser) or 08.037 (Supervisory Appraiser). + +09.032 Expires + +Displays if Credential +Type is not None + +mm/dd/yyyy + +Expiration date of the credential. +Note: Redisplays from 08.023 (Appraiser) or 08.038 (Supervisory Appraiser). + +Appendix F-3: Completion Report Reference Guide + +Page 33 of 33 + +Version 1.3 diff --git a/chunks/txt/83b40b7b8371b39b69792ab1c22652d38edf8f687be6a75b87fd14c275395116.txt b/chunks/txt/83b40b7b8371b39b69792ab1c22652d38edf8f687be6a75b87fd14c275395116.txt new file mode 100644 index 0000000000000000000000000000000000000000..ef198fe48e0451970d5ca0c0087e454b427489f5 --- /dev/null +++ b/chunks/txt/83b40b7b8371b39b69792ab1c22652d38edf8f687be6a75b87fd14c275395116.txt @@ -0,0 +1,61 @@ +/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/@GSEListingStatusType + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/COMPARISON_DATE_EXTENSION/COMP +ARISON_DATE_EXTENSION_SECTION[@E +xtensionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/COMPARISON_DATE_EXTENS +ION_SECTION_DATA/OFFERING_DISPOSI +TION/@GSEShortDateDescription + +/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/@GSEContractDateUnknownIndicator +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/SALE_PRICE_ADJUSTMENT[@_Type='Dat +eOfSale']/@_Amount + +11 + +String + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +This is a free-text field that must contain the appraiser's description of the +financing type if 'Other' is indicated. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +9 + +Money + +PDF Display Format: +Whole dollars only. + +The total amount of concessions, if any. If there are no sales or financing +concessions, a zero (0) must be entered. diff --git a/chunks/txt/83c96478a1abc1a355e345e4e6ad7436aae128679d4ce8080f033fa7c4240a8b.txt b/chunks/txt/83c96478a1abc1a355e345e4e6ad7436aae128679d4ce8080f033fa7c4240a8b.txt new file mode 100644 index 0000000000000000000000000000000000000000..e76b90ba10bcef537fb0dc827c24423b0a08b999 --- /dev/null +++ b/chunks/txt/83c96478a1abc1a355e345e4e6ad7436aae128679d4ce8080f033fa7c4240a8b.txt @@ -0,0 +1,116 @@ +New Uniform Appraisal Dataset +…to bring you a single standardized report for any residential property type. + +New UAD +Delivery +Specification + +Appraisal Reports in the +Current UAD 2.6 XML File +Single-Family & Condo + +1004/70 + +1073/465 + +1075/466 + +2055/2055 + +Appraisal Reports Not +Currently UAD-Compliant +Cooperative, Manufactured Home, +2-4 Unit, Rent Schedule, +& Update/Completion + +1004C/70B + +2090 + +2095 + +1025/72 + +1004D/442 + +1007/1000 + +Multi-Year +UAD Project + +Seek industry input to +help drive this work: + +• Review all data in + +the current appraisal +forms and the UAD 2.6 +Specification + +• Determine what +information +can be removed and +what will remain + +• Review legacy + +form descriptions +to determine new +discrete data needs + +• Review addenda +and description +information to +determine new +discrete data elements + +• Determine relative + +information to support +the value conclusion, +marketability, and/or +eligibility + +Find more information on our websites +fanniemae.com/uad +sf.freddiemac.com/uad + +The UMDP is an effort undertaken jointly by Freddie Mac and Fannie Mae +at the direction of the Federal Housing Finance Agency. + +The URAR +Data-Driven + Output + +• Reports only +relevant data + +• Dynamic based on input + +• Easy-to-read appraisal + +analysis and conclusion + +• Standardized, well- +structured, readable + +• Discrete data, pertinent + +commentary, and +photos contained in +the relevant sections, +designed to reduce +reliance on addenda + +Sales_Comp_Approach_SFS1_mv27_sv38 +Uniform Residential Appraisal Report + +Sales Comparison Approach + +Subject Property + +General Information +Property Address + +123 Fallen Oak Ct. +Smallville VA 12345 diff --git a/chunks/txt/83c9f427d9a7f895a45a506a586768aba981ba53e3c161b93645719b395decda.txt b/chunks/txt/83c9f427d9a7f895a45a506a586768aba981ba53e3c161b93645719b395decda.txt new file mode 100644 index 0000000000000000000000000000000000000000..ac10377c152de6998c2972b30a3509a175837ec2 --- /dev/null +++ b/chunks/txt/83c9f427d9a7f895a45a506a586768aba981ba53e3c161b93645719b395decda.txt @@ -0,0 +1,119 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SAL +E_PRICE_ADJUSTMENT[@_Type='PorchDeck']/@_Description + +20 + +String + +This is a free text field which should describe any porch, patio, or deck. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SAL +E_PRICE_ADJUSTMENT[@_Type='PorchDeck']/@_Amount + +10 + +Money + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +PDF Display Format: +Whole dollars only. + +The sum 2-94 of this field and fields (2-53, 2- +55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2- +71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2- +88, 2-90, 2-92, 2-96, 2-98, 2-100) must add up +to Net Adjustment field 2-103. + +If field 2-39 is populated, then this field should +be populated. + +CR + +CR + +T + +CR + +T + +CR + +R + +CR + +R + +CR + +T + +CR + +T + +SALES +COMPARISON +APPROACH + +Extra Item + +Property Feature +Description + +A free-form text field used to further +describe a property feature named in +Property Feature Name and associated by +Property Feature Sequence Identifier. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/OTH +ER_FEATURE_ADJUSTMENT[@PropertyFeatureSequenceIdentifier='1']/ +@PropertyFeatureDescription + +20 + +String + +Form FNM 2055 FRE 2055 +Appendix B: GSE Appraisal Forms Mapping + +Page 199 of 211 + +Document Version 1.4 + +Sort +ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point +Field +Length + +Format + +Implementation Notes + +Conditionality Description diff --git a/chunks/txt/83d82da7adf0a7aa942d92568c96ade36acb3298c57634b7d8baee4e0e42482c.txt b/chunks/txt/83d82da7adf0a7aa942d92568c96ade36acb3298c57634b7d8baee4e0e42482c.txt new file mode 100644 index 0000000000000000000000000000000000000000..ff7865e56d2708cebbf43e5d0359abb89b207e81 --- /dev/null +++ b/chunks/txt/83d82da7adf0a7aa942d92568c96ade36acb3298c57634b7d8baee4e0e42482c.txt @@ -0,0 +1,3 @@ +Unit Interior Commentary ........................................................................................................................................................................................................ 194 + +Unit Interior Exhibits ................................................................................................................................................................................................................ 194 diff --git a/chunks/txt/83e4bb4d4b3389925faace6fbe2de8b6f2ffe34ee093fc770ea2ad4f7bc19522.txt b/chunks/txt/83e4bb4d4b3389925faace6fbe2de8b6f2ffe34ee093fc770ea2ad4f7bc19522.txt new file mode 100644 index 0000000000000000000000000000000000000000..17d63d4d233be7538e3b6836754d4aeb0a1f76fc --- /dev/null +++ b/chunks/txt/83e4bb4d4b3389925faace6fbe2de8b6f2ffe34ee093fc770ea2ad4f7bc19522.txt @@ -0,0 +1,86 @@ +Boolean + +A value of 'Y' indicates that there is a driveway. A value of 'N' indicates the +box was not checked. + +UAD Requirement - Refer to Appendix D Improvements Section + +Numeric + +PDF Display Format: +Whole numbers only. + +If none, then zero (0) must be entered. + +20 + +String + +This field should contain a description of the driveway surface. + +1 + +2 + +1 + +2 + +8 + +Boolean + +A value of 'Y' indicates there is a garage. A value of 'N' indicates the box was +not checked. + +UAD Requirement - Refer to Appendix D Improvements Section + +Numeric + +PDF Display Format: +Whole numbers only. + +If none, then zero (0) must be entered. + +Boolean + +A value of 'Y' indicates there is a carport. A value of 'N' indicates the box was +not checked. + +UAD Requirement - Refer to Appendix D Improvements Section + +Numeric + +PDF Display Format: +Whole numbers only. + +If none, then zero (0) must be entered. + +Enumerated + +If field 1-195 (Car Storage Exists Indicator = +'N') is indicated, then none of fields 1-196, 1- +199, 1-201 (Car Storage Location Exists +Indicator = 'Y' and values of Car Storage +Location Type) should be indicated. If field 1- +195 is not indicated, then at least one of fields +1-196, 1-199, 1-201 should be indicated. +If field 1-195 (Car Storage Exists Indicator = +'N') is indicated, then none of fields 1-196, 1- +199, 1-201 (Car Storage Location Exists +Indicator = 'Y' and values of Car Storage +Location Type) should be indicated. If field 1- +195 is not indicated, then at least one of fields +1-196, 1-199, 1-201 should be indicated. + +This field should be populated if field 1-196 +(Car Storage Location Exists Indicator = 'Y' +and Car Storage Location Type = 'Driveway') +is indicated. +If field 1-195 (Car Storage Exists Indicator = +'N') is indicated, then none of fields 1-196, 1- +199, 1-201 (Car Storage Location Exists +Indicator = 'Y' and values of Car Storage +Location Type) should be indicated. If field 1- +195 is not indicated, then at least one of fields +1-196, 1-199, 1-201 should be indicated. diff --git a/chunks/txt/83ec23ee7492705828ac6c7942fa78ef8e706627bc7122440f32a68d64d69a52.txt b/chunks/txt/83ec23ee7492705828ac6c7942fa78ef8e706627bc7122440f32a68d64d69a52.txt new file mode 100644 index 0000000000000000000000000000000000000000..d13485ffde33a304ea917907c9042f37e7510afd --- /dev/null +++ b/chunks/txt/83ec23ee7492705828ac6c7942fa78ef8e706627bc7122440f32a68d64d69a52.txt @@ -0,0 +1,96 @@ +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +Summary of Sales Comparison +Approach + +Sales Comparison +Comment + +A free-form text field used to describe or +comment on the on the Sales Comparison +approach in valuating the subject + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/@_Comment + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +Indicated Value by: Sales +Comparison Approach $ + +Value Indicated By +Sales Comparison +Approach Amount + +The dollar value of the subject property +indicated by the Sales Comparison +approach. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/@ValueIndicatedBySalesComparisonApproachAmount + +12 + +Money + +368 + +369 + +370 + +2 + +2 + +2 + +122 + +123 + +124 + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +This data is referenced more than once on the form (field 1-125), and must be +represented consistently. + +PDF Display Format: +UAD Requirement - Refer to Appendix D Reconciliation Section +This data is referenced more than once on the form (field 1-124), and must be +represented consistently. + +PDF Display Format: +Whole dollars only +This data is referenced more than once on the form, and must be represented +consistently. + +PDF Display Format: +Whole dollars only +This data is referenced more than once on the form, and should be represented +consistently. + +PDF Display Format: +Whole dollars only + +Should be populated if there is an indicated +value in field 3-37 diff --git a/chunks/txt/83ed152421652c203df71d9899d85bd3a1a42bff293fe5a3aab367e7764c2c2c.txt b/chunks/txt/83ed152421652c203df71d9899d85bd3a1a42bff293fe5a3aab367e7764c2c2c.txt new file mode 100644 index 0000000000000000000000000000000000000000..61a720c97ac356289c1539d92c099aa785299329 --- /dev/null +++ b/chunks/txt/83ed152421652c203df71d9899d85bd3a1a42bff293fe5a3aab367e7764c2c2c.txt @@ -0,0 +1,31 @@ +05.014 + +3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that +apply to the appraiser and to the assignment. + +05.015 + +4. I did not base any part of my appraisal on the actual or perceived race, color, religion, sex (including sexual orientation or gender identity), +age (other than as applicable for legally age-restricted communities), marital status, disability, familial status, or national origin of the present +or prospective owners or occupants of either the subject property or properties in the area of the subject property or on any other basis +prohibited by the Fair Housing Act or the Equal Credit Opportunity Act, or any other basis prohibited by law. + +05.016 + +5. I stated in this appraisal report my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to +the assumptions and limiting conditions in this appraisal report. + +05.017 + +6. I have, at a minimum, developed and reported this appraisal update in accordance with the scope of work requirements stated in this +appraisal update report and concur with the analysis and conclusions in the original appraisal. + +05.018 + +7. I performed this appraisal update in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice that were +adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal +update was prepared. + +05.019 + +8. I have updated the appraisal by incorporating the original appraisal report by reference. diff --git a/chunks/txt/83f5ca9dfe86e9b59c6ba6844814a7c510f57eed7e8527dfaedc6de5c4981ba1.txt b/chunks/txt/83f5ca9dfe86e9b59c6ba6844814a7c510f57eed7e8527dfaedc6de5c4981ba1.txt new file mode 100644 index 0000000000000000000000000000000000000000..7275940b6a77e7ee49fcd5a4c2bf134c0b77c57f --- /dev/null +++ b/chunks/txt/83f5ca9dfe86e9b59c6ba6844814a7c510f57eed7e8527dfaedc6de5c4981ba1.txt @@ -0,0 +1,147 @@ +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/SALE_PRICE_ADJUSTMENT[@_Type='Gro +ssLivingArea']/@_Amount + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section +Specify Above Grade Gross Living Area Only +Gross Living Area (GLA) must be reported in square feet. + +6 + +String + +PDF Display Format: +Whole numbers only +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +10 + +Money + +PDF Display Format: +Whole dollars only. + +R + +R + +R + +The sum of this field 2-80 and fields (2-53, 2- +55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, +2-71, 2-73, 2-74, 2-78, 2-82, 2-84, 2-86, 2- +88, 2-90, 2-92, 2-94, 2-96, 2-98, 2-100) must +add up to Net Adjustment field 2-103. + +CR + +CR + +CR + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 63 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +Xpath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality 1004/70 + +Data Field +Conditionality 1004 +Hybrid/70H + +Data Field +Conditionality 1004 +Desktop/70D + +336 + +2 + +e-18 + +SALES +COMPARISON +APPROACH + +Basement & Finished + +(Line 1) + +GSE Below Grade +Total Square Feet +Number + +The total area of the property +improvements below grade. + +337 + +2 + +e-19 + +SALES +COMPARISON +APPROACH + +Basement & Finished + +(Line 1) + +GSE Below Grade +Finish Square Feet +Number + +The total finished area of the property +below grade. + +338 + +2 + +e-20 + +SALES +COMPARISON +APPROACH + +Basement & Finished + +(Line 1) diff --git a/chunks/txt/83f8f34753f30dfb2d3b4105892c8464a75b188271635fb9a7034a103782f2fb.txt b/chunks/txt/83f8f34753f30dfb2d3b4105892c8464a75b188271635fb9a7034a103782f2fb.txt new file mode 100644 index 0000000000000000000000000000000000000000..c754aafb0e837f4c46463b144c7efabc24f0866c --- /dev/null +++ b/chunks/txt/83f8f34753f30dfb2d3b4105892c8464a75b188271635fb9a7034a103782f2fb.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/13906","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"ajaxPageState":{"libraries":"eJyFUW1yxSAIvJCJR3IworXRkAq-vPT0Jclrp51-_UFYWGDRowg2h_eVGIOLuWjIFrqQ4-5rFuN_Lkm4YINifIHX3fpMIzzD3UzU0E5UV1pwER7jU4RhiERK-iW5QsJBshS8CkLrK5QxC9ahZJYvqIAvyNTE4F1KXub3xCM0R0_rC02zSz1PsxL4ArFCLoOq4qnlVTItFx4xHEpcw6TTVOot4_bgpEIelCS7Nk8n5mrmyZ6rHwOHiiHDoEZMgZ26uKAFdMO2W9U5UTEv74vYD8_wrrOq9cBoOm-B3eHa2KDiRm025xb2tNdpPwOVQtd7begjtWof74gFq152DCiqlUeG2_9FQin90asis_7Qt_xh3gBOJN8j","theme":"fhfa","theme_token":null},"ajaxTrustedUrl":{"\/public-input":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. 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Publication ​of aggregate data from NMDB is a step toward implementing the statutory requirements of section 1324(c) of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by the Housing and Economic Recovery Act of 2008. The statute requires FHFA to conduct a monthly mortgage market survey to collect data on the characteristics of individual mortgages, both Enterprise and​ non-Enterprise, and to make the data a​vailable to the public while protecting the privacy of the borrowers.​ + +## ​Documentation + +[Data Dictionary and Technical Notes](/document/NMDB-Aggregate-Statistics-Data-Dictionary-Technical-Notes.pdf) (09/25/2025) + +[How to Convert CSV to Excel Pivot Table](/media/42416) (06/30/2023) + +[How to Import CSV Data into Tableau](/media/51511) (09/29/2023) + +## Dashboards + +The NMDB Aggregate Statistics Dashboards provide interactive data visualization tools for using the data published in the NMDB Aggregate Statistics. Users can interactively create, analyze, and export custom charts and data tables. + +NMDB Aggregate Statistics Dashboards Link Release Date New Residential Mortgage Statistics [Dashboard](/data/dashboard/nmdb-new-residential-mortgage-statistics) 12/30/2025 Outstanding Residential Mortgage Statistics [Dashboard](/data/dashboard/nmdb-outstanding-residential-mortgage-statistics) 12/30/2025 Residential Mortgage Performance Statistics [Dashboard](/data/dashboard/nmdb-residential-mortgage-performance-statistics) 12/30/2025 ## ​Datasets diff --git a/chunks/txt/841261ee3208ebf46debef3f18007ed0c171fc9350ca18c0102adfdb482d5362.txt b/chunks/txt/841261ee3208ebf46debef3f18007ed0c171fc9350ca18c0102adfdb482d5362.txt new file mode 100644 index 0000000000000000000000000000000000000000..3cc574a9eb8bd8f50a8564fe6cf7dcf7bba7193e --- /dev/null +++ b/chunks/txt/841261ee3208ebf46debef3f18007ed0c171fc9350ca18c0102adfdb482d5362.txt @@ -0,0 +1,113 @@ +Data Point Name + +Data Point Definition + +Xpath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality 1004/70 + +Data Field +Conditionality 1004 +Hybrid/70H + +Data Field +Conditionality 1004 +Desktop/70D + +296 + +2 + +e-2 + +SALES +COMPARISON +APPROACH + +Data Source(s) + +GSE Days On +Market Description + +297 + +2 + +51 + +SALES +COMPARISON +APPROACH + +Verification Source(s) + +Data Source +Verification +Description + +The total number of continuous days +from the date that a property is listed +or advertised for sale through the date +that it is taken off the market or +contracted for sale. + +A free-form text field used to describe +or comment on methods or other +sources used to verify the accuracy of +the data source referenced in Data +Source 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/@GSEDaysOnMarketDescription + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/@DataSourceVerificationDescription + +298 + +2 + +52 + +SALES +COMPARISON +APPROACH + +Sale or Financing +(Line 1) + +GSE Sale Type + +The type of sale associated with the +subject or comparable property. + +/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/@GSESaleType diff --git a/chunks/txt/844cce8176f699606be65612fa2b1655e100a3e9996cc52c22cf051e70e3fbc8.txt b/chunks/txt/844cce8176f699606be65612fa2b1655e100a3e9996cc52c22cf051e70e3fbc8.txt new file mode 100644 index 0000000000000000000000000000000000000000..8994a04401cf23889aced44fcb1f103792c34cf1 --- /dev/null +++ b/chunks/txt/844cce8176f699606be65612fa2b1655e100a3e9996cc52c22cf051e70e3fbc8.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/news/statement" +date_accessed: "2026-01-27T17:54:20.478Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/8458573a1a11fa107fc42f64bed442a3cd7330480bd4474611a62a56c6f67e7b.txt b/chunks/txt/8458573a1a11fa107fc42f64bed442a3cd7330480bd4474611a62a56c6f67e7b.txt new file mode 100644 index 0000000000000000000000000000000000000000..a6fca18129fe6dfe0b7adee196817c789b18e470 --- /dev/null +++ b/chunks/txt/8458573a1a11fa107fc42f64bed442a3cd7330480bd4474611a62a56c6f67e7b.txt @@ -0,0 +1,132 @@ +Character + +Due to potential disclosure +issues, FHFA cannot provide +2020 census tract values for +these records. + +Allowable +Values + +Characters 1-2: +State +Characters 3-5: +County +Characters 6-11: +Tract + +Disclosure +Avoidance +Method +that county in +the year of that +appraisal. + +Census Tract +suppressed when +fewer than 11 +appraisals +records exist in +that Census Tract +in the year of +that appraisal. + +state_fips_2020 + +2020 Census State FIPS +Code + +2020 Census State Federal +Information Processing System +(FIPS) Code (e.g., 02, 15) + +Character + +Characters 1-2: +State + +county_fips_2020 + +2020 Census County FIPS +Code + +2020 Census County FIPS Code +(e.g., 01001, 13005) + +Character + +Characters 1-2: +State +Characters 3-5: +County + +County is +suppressed when +fewer than 11 +appraisals +records exist in +that county in +the year of that +appraisal. + +Derived Field + +Derived Field + +Derived Field + +tract_fips_2020 + +2020 Census Tract + +The 2020 Census Tract for the +subject property for appraisals +conducted in 2022. + +Character + +Characters 1-2: +State +Characters 3-5: +County + +Census Tract +suppressed when +fewer than 11 +appraisals + +Derived Field + +Federal Housing Finance Agency + +information to +reliably geocode the +address to a county. + +A missing tract +number means either +data suppression or +FHFA did not have +sufficient address +information to +reliably geocode the +address to a census +tract. + +A missing county +number means either +data suppression or +FHFA did not have +sufficient address +information to +reliably geocode the +address to a county. + +A missing tract +number means either +data suppression or +FHFA did not have + +2 + +UAD PUF Version 2.1 Data Dictionary diff --git a/chunks/txt/846947b70223df0c0dcee2e7e1d3491cbf043e6fb732c14b448ea43c0fd2deac.txt b/chunks/txt/846947b70223df0c0dcee2e7e1d3491cbf043e6fb732c14b448ea43c0fd2deac.txt new file mode 100644 index 0000000000000000000000000000000000000000..088510a598c659579b938c10f865fe51151b321d --- /dev/null +++ b/chunks/txt/846947b70223df0c0dcee2e7e1d3491cbf043e6fb732c14b448ea43c0fd2deac.txt @@ -0,0 +1,100 @@ +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='MonthlyFacilityFee']/@_Amount + +406 + +3 + +71 + +SALES +COMPARISON +APPROACH + +Common Elements + +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='CommonElements']/@_Description + +407 + +3 + +72 + +SALES +COMPARISON +APPROACH + +Common Elements 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. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_ +ADJUSTMENT[@_Type='CommonElements']/@_Amount + +408 + +3 + +73 + +SALES +COMPARISON +APPROACH + +and Rec. Facilities + +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='RecreationFacilities']/@_Description + +409 + +410 + +3 + +3 + +74 + +75 + +SALES +COMPARISON +APPROACH + +and Rec. Facilities Adjustment diff --git a/chunks/txt/84856423d7295d9685587924b94bd85c535ed7a5d569253061c654da4a719dd3.txt b/chunks/txt/84856423d7295d9685587924b94bd85c535ed7a5d569253061c654da4a719dd3.txt new file mode 100644 index 0000000000000000000000000000000000000000..5a5acb576eea2c1ca08d23ab2ebdc1455ba0a2a1 --- /dev/null +++ b/chunks/txt/84856423d7295d9685587924b94bd85c535ed7a5d569253061c654da4a719dd3.txt @@ -0,0 +1,25 @@ +information-guide + +• MISMO Residential Specifications: + +o https://www.mismo.org/standards-and-resources/residential-specifications + +• MISMO XML Reference Model Schemas: + +o https://www.mismo.org/standards-and-resources/residential-specifications/xml-schema + +• Supporting documents for the updated DU Spec + +• Test Cases for the updated DU Spec + +• Where should questions regarding implementation or the DU Spec be submitted? + +o Questions should be submitted to ulad@fanniemae.com, for more information consult the + +web page at http://www.fanniemae.com/urla + +DU Spec Implementation Guide + +Fannie Mae Proprietary & Confidential + +60 diff --git a/chunks/txt/848a498bad538ba01951d0c7cc13ca8eb1312bdead6f3c86c840728f0aecfd08.txt b/chunks/txt/848a498bad538ba01951d0c7cc13ca8eb1312bdead6f3c86c840728f0aecfd08.txt new file mode 100644 index 0000000000000000000000000000000000000000..f09f80ecadf5795b0824865cdda758ccef261acc --- /dev/null +++ b/chunks/txt/848a498bad538ba01951d0c7cc13ca8eb1312bdead6f3c86c840728f0aecfd08.txt @@ -0,0 +1,114 @@ +Required if Vehicle +Storage Type is +Driveway or Shared +Driveway + +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 + +Number of square +feet + +Vehicle Storage Area +Note: 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) + +Key Concepts + +Defining the Property + +Using the new UAD, data - not a form number - drives the property type. The property type is determined using +characteristics of the property, which provides flexibility and removes the conflict between atypical properties +and a form number. This chapter provides a summary of the key data points that determine property type. +Reference the indicated Report Field ID for more information. + +Appendix F-1: URAR Reference Guide + +Page 13 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Units and ADUs + +Defining the Property (Units and ADUs) + +Overview + +Report +Field ID + +3.005 + +Report Label + +When to Include + +Allowable +Answers / Format + +Units Excluding +ADUs + +Always required + +Number + +3.006 + +Accessory +Dwelling Units + +Always required + +Number + +10.011 ADU + +Always required + +Yes | No + +PUD, Project, and Site Owned in Common + +• + +Definition / Additional Guidance diff --git a/chunks/txt/848c3ee3928d24faade8f9263b2068aaf53effc248af0fe510ac92b4cddfeb0e.txt b/chunks/txt/848c3ee3928d24faade8f9263b2068aaf53effc248af0fe510ac92b4cddfeb0e.txt new file mode 100644 index 0000000000000000000000000000000000000000..77f1d563fba473f2533f3e4da3c26e4d399d0e54 --- /dev/null +++ b/chunks/txt/848c3ee3928d24faade8f9263b2068aaf53effc248af0fe510ac92b4cddfeb0e.txt @@ -0,0 +1,31 @@ +--- +title: "Uniform Appraisal Dataset | Fannie Mae" +source_url: "https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset" +date_accessed: "2026-01-27T17:46:01.700Z" +selector: ".inner-container.rag-highlight-border" +parent_folder: "APPRAISAL_DATASET" +capture_name: "Uniform_Appraisal_Dataset___Fannie_Mae1" +--- + +- [Home](/) + - [Delivering](/delivering) + - [Uniform Mortgage Data Program](/delivering/uniform-mortgage-data-program) + - Uniform Appraisal Dataset + +Delivering + +# Uniform Appraisal Dataset + +Improving the quality and consistency of appraisal data + +Fannie Mae and Freddie Mac (the GSEs) have worked on the UAD redesign since 2018, leveraging extensive stakeholder input to update the appraisal dataset, align it with current mortgage industry data standards (MISMO® v3.6), and replace the GSE appraisal forms with a single data-driven, flexible, and dynamic appraisal report for any residential property type. To begin the multiyear rollout phase, the GSEs have published the technical specifications and resources below. + +**Coming soon: accessory dwelling unit (ADU) and manufactured housing (MH) financing opportunities for UAD 3.6 users** + +Meet the growing demand for flexible housing options with expanded MH and ADU policy updates. These updates will be available in Desktop Underwriter® on Mar. 31, 2026 – prepare now for your transition to the new UAD. + +[Check out the update](/media/document/pdf/announcement-sel-2025-10-selling-guide-updates) + +![image](Uniform_Appraisal_Dataset___Fannie_Mae1_3_20people_20talking.svg) + +[Announcements](#uad-announcements) diff --git a/chunks/txt/848cf4c1047509a98e2d98caf67260d3abedd4c599fbcec8879baba14feb2fed.txt b/chunks/txt/848cf4c1047509a98e2d98caf67260d3abedd4c599fbcec8879baba14feb2fed.txt new file mode 100644 index 0000000000000000000000000000000000000000..788c75237c8a4663140544612a29c0e9f53e262f --- /dev/null +++ b/chunks/txt/848cf4c1047509a98e2d98caf67260d3abedd4c599fbcec8879baba14feb2fed.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/supervision/libor-transition" +date_accessed: "2026-01-27T17:47:50.195Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/848efde1ffa84756a2b751277328f8402259a0cfbc1449c0e755bf68b9c4c994.txt b/chunks/txt/848efde1ffa84756a2b751277328f8402259a0cfbc1449c0e755bf68b9c4c994.txt new file mode 100644 index 0000000000000000000000000000000000000000..38c5745886ab47ea1c0de47fa5c991564d6364a0 --- /dev/null +++ b/chunks/txt/848efde1ffa84756a2b751277328f8402259a0cfbc1449c0e755bf68b9c4c994.txt @@ -0,0 +1,21 @@ +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +13. Using information available in the normal course of business, I researched, verified, analyzed, and reported on the prior sales of the +comparable sales for a minimum of one year prior to the date of sale of the comparable sale. + +14. I based my valuation on the available properties that are most similar to the subject property. + +15. I have not used comparable sales that were the result of combining a land sale with the contract purchase price of a home that has been +built or will be built on the land. + +16. I have identified the differences between the subject and comparable properties, analyzed the market reaction to those differences, and +reflected those differences in the analysis. + +17. To the extent possible, I verified, from a disinterested source, all information in this report that was provided by parties who have a financial +interest in the sale or financing of the subject property. + +18. I have taken into consideration the factors that have an impact on value with respect to the subject property, and its location, including its +proximity to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions +(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental +conditions, etc.) that I became aware of during the development of this appraisal. I have considered these adverse conditions in my analysis of +the property value and have reported on the effect of the conditions on the value and marketability of the subject property. diff --git a/chunks/txt/84af41c4d8e655f23d16000d4a215749e494192ec6c27e8b00d11d0daaf51d5d.txt b/chunks/txt/84af41c4d8e655f23d16000d4a215749e494192ec6c27e8b00d11d0daaf51d5d.txt new file mode 100644 index 0000000000000000000000000000000000000000..56f7be9e12b4d9fe650dcd384a9462771e11fa91 --- /dev/null +++ b/chunks/txt/84af41c4d8e655f23d16000d4a215749e494192ec6c27e8b00d11d0daaf51d5d.txt @@ -0,0 +1,63 @@ +Figure 23 - 1 + +Page 302 + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 303 + +Comparable Rental Properties + +The Comparable Rental Properties subsection always displays when the Rental Information section displays. It includes a thumbnail photo +and information about the subject property and each rental comparable. + +• Each comparable rental represents a unit and not necessarily the entire comparable property. +• A comparable rental unit can be compared to more than one subject property unit. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 304 + +The Comparable Rental Properties subsection displays in a grid with the Subject Property and up to 5 rental comparables Comparable # - +PropertyOrdinalNumber (UID: 2000.0078, FID: 23.02.02). (Figure 23 - 2) If there are more than 5 rental comparables, display another grid +with Comparables 6 - 10, 11 - 15, etc. + +Figure 23 - 2 + +Appendix B-1: URAR Implementation Guide v1.3 + +Subject Property Information + +Subject property information in this subsection represents the subject property overall, regardless of how many units are included in Rental +Information. + +Rental Information: Comparable Rental Properties – Subject Property Information + +Report +Field ID + +Report Label Unique ID + +MISMO Data Point Name + +Display Rules + +23.02.01.1 + +No label + +1400.0619 + +ImageCategoryType + +A thumbnail of the property photo for the subject property always displays here. It is delivered with +ImageCategoryType = “PropertyPhoto”. The subject property photo does not re-display in Rental +Information Exhibits. + +0100.0007 + +AddressLineText + +Redisplays from 3.000 + +1200.0052 diff --git a/chunks/txt/84bc8c44b62ae6ac00de7c3f79095ccabe224875deec3f4d1cc62ed10fcff3a8.txt b/chunks/txt/84bc8c44b62ae6ac00de7c3f79095ccabe224875deec3f4d1cc62ed10fcff3a8.txt new file mode 100644 index 0000000000000000000000000000000000000000..39065e8368092b24255a4460463abe1de2037a97 --- /dev/null +++ b/chunks/txt/84bc8c44b62ae6ac00de7c3f79095ccabe224875deec3f4d1cc62ed10fcff3a8.txt @@ -0,0 +1,39 @@ +## July 2024 + +## 2024 Generative AI in Housing Finance TechSprint + +**Date:**7/22/2024​ - 7/25/2024 + +**Time:** + +- 7/22/2024 10:30 AM EDT - 11:40 AM EDT +- 7/25/2024 9:00 AM EDT - 12:30 PM EDT +**Location:** Virtual​ + +[More Information](/programs/fintech/techsprint/2024) + +## **2024 Duty to Serve Public Listening Sessions** + +The listening sessions will be an opportunity to hear from stakeholders sharing their views and recommendations on the [Enterprises’ proposed 2025-2027 Duty to Serve Underserved Markets Plans](/programs/proposed-2025-2027-DTS-underserved-markets-plans). + +**Date:** 7/15/2024 - 7/17/2024 + +**Time:**1:00 PM EDT - 4:00 PM EDT + +**Location:**Virtual + +[Day 1 Agenda, Transcripts, Presentations, Video](/news/videos/2024-duty-to-serve-listening-session-rural-housing) - Duty to Serve Proposed Underserved Market Plans 2025-2027 - Rural Housing Market + +[Day 2 Agenda, Transcripts, Presentations, Video](/news/videos/2024-duty-to-serve-listening-session-manufactured-housing) - Duty to Serve Proposed Underserved Market Plans 2025-2027 - Manufactured Housing Market + +[Day 3 Agenda, Transcripts, Presentations, Video](/news/videos/2024-duty-to-serve-listening-session-affordable-housing-preservation) - Duty to Serve Proposed Underserved Market Plans 2025-2027 - Affordable Housing Preservation + +[More Information](/programs/2024-duty-serve-public-listening-sessions) + +--- + +## June 2024 + +## FHLBank and CDFI Symposium + +This symposium will bring together non-depository CDFIs and representatives of the FHLBank System, providing an opportunity for CDFIs to learn more about the FHLBank System as well as for FHLBank leadership to gain a better understanding of CDFIs. diff --git a/chunks/txt/84bef3c9323cc4ff921dcb65cd1f85244aa475664734c3ad830bd6f070346dc2.txt b/chunks/txt/84bef3c9323cc4ff921dcb65cd1f85244aa475664734c3ad830bd6f070346dc2.txt new file mode 100644 index 0000000000000000000000000000000000000000..430ea22cbe9ac7c4b69d4c832eb6622cde73dd5e --- /dev/null +++ b/chunks/txt/84bef3c9323cc4ff921dcb65cd1f85244aa475664734c3ad830bd6f070346dc2.txt @@ -0,0 +1,23 @@ +Table of Contents +SB2-3-01, General Property Eligibility (12/10/2025) ......................................................................................................................................... 9 +SB2-3-02, Special Property Eligibility and Underwriting Considerations: Factory-Built Housing (12/10/2025).......................................... 12 +SB2-3-03, Special Property Eligibility and Underwriting Considerations: Leasehold Estates (06/04/2025) ................................................ 20 +SB2-3-04, Special Property Eligibility Considerations (12/10/2025) .............................................................................................................. 25 +SB2-3-05, Properties Affected by a Disaster (09/03/2025) .............................................................................................................................. 33 +SB3-3.1-08, Rental Income (10/08/2025) ........................................................................................................................................................ 35 +SB4-1.1-01, Definition of Market Value and Alternate Opinion(s) of Value (06/04/2025) .............................................................................. 44 +SB4-1.1-02, Lender Responsibilities (09/03/2025) .......................................................................................................................................... 46 +SB4-1.1-03, Appraiser Selection Criteria (06/04/2025) ................................................................................................................................... 48 +SB4-1.1-04, Unacceptable Appraisal Practices (06/04/2025) ......................................................................................................................... 51 +SB4-1.1-05, Disclosure of Information to Appraisers (06/04/2025) ................................................................................................................ 52 +SB4-1.1-06, Uniform Appraisal Dataset (UAD) and the Uniform Collateral Data Portal (UCDP) (6/04/2025) ............................................... 54 +SB4-1.2-01, Appraisal Reports and Exhibits (12/10/2025) .............................................................................................................................. 55 +SB4-1.2-02, Desktop Appraisals (12/10/2025) ................................................................................................................................................ 59 +SB4-1.2-03, Hybrid Appraisals (12/10/2025) ................................................................................................................................................... 61 +SB4-1.2-04, Age of Appraisal and Restricted Appraisal Update Report Requirements (06/04/2025) ........................................................... 63 +SB4-1.2-05, Requirements for Verifying Completion and Postponed Improvements (12/10/2025) ............................................................ 65 +SB4-1.3-01, Review of the Uniform Residential Appraisal Report (06/04/2025) ............................................................................................. 72 +SB4-1.3-02, Subject Listing Information, Sales Contract, Prior Sale, and Transfer History (06/04/2025) .................................................... 73 +SB4-1.3-03, Market Section of the Uniform Residential Appraisal Report (06/04/2025) ............................................................................... 75 +SB4-1.3-04, Property Site, Disaster Mitigation, and Highest and Best Use (06/04/2025) .............................................................................. 78 +SB4-1.3-05, Dwelling Exterior, Unit Interior, and Outbuilding Sections of the Appraisal Report (12/10/2025) ........................................... diff --git a/chunks/txt/84c2f3684d451797721c65458a69724f7bd74f62e9997896b236471c12dc29d7.txt b/chunks/txt/84c2f3684d451797721c65458a69724f7bd74f62e9997896b236471c12dc29d7.txt new file mode 100644 index 0000000000000000000000000000000000000000..147b8adef633af13e3f736bcd92180d0277d9323 --- /dev/null +++ b/chunks/txt/84c2f3684d451797721c65458a69724f7bd74f62e9997896b236471c12dc29d7.txt @@ -0,0 +1,59 @@ +The condition status of the other interior feature. +• +• +• +• +• +Notes: +• + +If there are varying condition statuses for the other interior feature, +choose the one that best explains the Interior Condition Rating. +Condition Status reflects the required repairs, inspections, or completions +as if they were completed. The current condition is noted in the Apparent +Defects, Damages, and Deficiencies (Unit Interior) subsection. +Individual damages must be reported in the Apparent Defects, Damages, +and Deficiencies (Unit Interior) subsection. + +• + +• + +10.048 Condition +Comment + +Free-form + +If needed to describe +the current condition +of the other interior +feature + +A brief description of the current condition of the other interior feature as of +the effective date. For further expansion of commentary, use Unit Interior +Commentary (10.061). + +When the item will cause the Market Value Condition of the appraisal (26.009) +to be subject to repair, the appraiser must also reference the Apparent +Defects, Damages, Deficiencies (Unit Interior) subsection. + +Allowable Answer + +New or Like New + +Other Interior Feature Condition Status (Choose one for each Other Feature) + +Definition / Additional Guidance + +The feature is new or like new with no visible signs of use. +Note: This would be the typical answer when New Construction (3.017) is Yes. + +Typical Wear and Tear + +The feature is fully functional and exhibits minimal wear and tear, with visible signs of use. + +Damaged and Functional + +The feature is damaged and exhibits moderate wear and tear but can still function as intended or designed. + +Damaged and Nonfunctional The feature is damaged and exhibits significant wear and tear to the level that it can no longer function as intended or diff --git a/chunks/txt/84d3f17ac348c1b638a3f865fbf43adcc83be847446bd855628ff8b33a01f5c9.txt b/chunks/txt/84d3f17ac348c1b638a3f865fbf43adcc83be847446bd855628ff8b33a01f5c9.txt new file mode 100644 index 0000000000000000000000000000000000000000..dbf7210a15e42fbea0df743d86a7bf276b3f3c20 --- /dev/null +++ b/chunks/txt/84d3f17ac348c1b638a3f865fbf43adcc83be847446bd855628ff8b33a01f5c9.txt @@ -0,0 +1,132 @@ +✓ + +✓ + +✓ + +✓ + +✓ + +✓ + +✓ + +✓ + +✓ + +✓ + +✓ + +Loans with adjustable +payments not based on +rate + +Loans with adjustable +payments not based on +rate + +Loans with adjustable +payments not based on rate + +Adjustable Interest Rate +(AIR) Table + +ARM, Step Rate, Temp +Buydown + +ARM, Step Rate, Temp +Buydown + +ARM, Step Rate, Temp +Buydown + +Loan Calculation + +Other Disclosures + +Contact Information + +✓ + +✓ + +✓ + +✓ + +✓ + +✓ + +Lender + +Lender + +Lender + +Settlement Agent + +Settlement Agent + +Settlement Agent + +As applicable: Mortgage +Broker + +As applicable: Mortgage +Broker + +As applicable: Mortgage +Broker + +Real Estate Broker (B) Real +Estate Broker (S) + +Real Estate Broker (B) +Real Estate Broker (S) + +Optional + +Optional + +Optional + +✓ + +24.0 + +25.0 + +Confirm Receipt + +Payoffs and Payments +Table (K) + +A. MODEL FORM + +The term Model Form is used to refer to Exhibit H–25(A) Mortgage Loan Transaction Closing Disclosure—Model +Form in the Regulation. Exhibit H-25(A) illustrates all possible sections of the form, regardless of transaction type +or loan characteristic. In UCD, the Model Form is used only for purchase transactions. Unless otherwise noted, +the Appendix C excerpts used in this document are of the Model Form. + +Appendix E: UCD Implementation Guide + +Page 16 of 254 + +Version 1.4 + +Uniform Closing Dataset + +III. Closing Disclosure Variations – UPDATED + +B. SPLI T DI SCLOSURES - UPDATED + +The Closing Disclosure must be presented as a “Split Disclosure” for the borrower and the seller if either party +requests it. With a Split Disclosure, two Closing Disclosures are created, separating borrower-only and seller-only +information so that each party is provided with only the transaction data that pertains to them. Although the +UCD Seller data delivery requirements are limited, Split Disclosures remain an acceptable alternative to using the +Model Form. Sections 1. Closing Disclosure – Borrower Only and 2. Closing Disclosure – Seller Only - UPDATED +illustrate how the Split Disclosures should be formatted and completed. diff --git a/chunks/txt/84d7d9f6355bc3965ef875623c95fbc4a36435f16d7ab19e2049a09159d34a17.txt b/chunks/txt/84d7d9f6355bc3965ef875623c95fbc4a36435f16d7ab19e2049a09159d34a17.txt new file mode 100644 index 0000000000000000000000000000000000000000..6e7e996aedd4c2c4d8fe22b78abc0841e3e0f24e --- /dev/null +++ b/chunks/txt/84d7d9f6355bc3965ef875623c95fbc4a36435f16d7ab19e2049a09159d34a17.txt @@ -0,0 +1,43 @@ + An overview of data relationship concepts that may be used in the MISMO Data Standards + +Version 3.4. These include relationship concepts for One-to-One, One-to-Many and Many-to- +Many as well as an explanation of different types of relationships (Reflexive and Irreflexive). +This section was copied from the MISMO Version 3 Reference Model General Information +Guide. + + An overview of the use of the W3C standard, XLink, used for communicating the different data +relationships that can be used within the MISMO Data Standards. This section was copied from +the MISMO Version 3 Reference Model General Information Guide. + + An explanation of the each data relationship used in the ULAD. + An XML data example including each of the data relationships that are possible within the + +ULAD. + +Data Relationships Using Xlink and MISMO Arcroles + +Page 6 of 29 + +Version 1.1 + +___________ + +_ ___ + +Data Relationships + +DATA RELATI ONSHI PS + +This section was copied from the MISMO Version 3 Reference Model General Information Guide. + +Providing a list of mortgage industry data elements and their definitions is an important feature of the +MISMO Reference Model. Equally important is how the Reference Model Schema defines the +relationships between those data elements. Source and target data elements in a relationship are +generally referred to as end points. The following types of relationships are supported in the Reference +Model. + +ONE-T O-ONE RELAT IONSHIP + +A One-to-One Relationship is one in which any given instance of the source element may only be +associated with one instance of the target element, and no two instances of the source element are +associated with the same instance of the target element. diff --git a/chunks/txt/84de99bf2b426cb568f0aff93453f45883a1f19ec08f36c02810f17931f7a918.txt b/chunks/txt/84de99bf2b426cb568f0aff93453f45883a1f19ec08f36c02810f17931f7a918.txt new file mode 100644 index 0000000000000000000000000000000000000000..ae8653020ad7266ce806e8096be315c3a8b0c3df --- /dev/null +++ b/chunks/txt/84de99bf2b426cb568f0aff93453f45883a1f19ec08f36c02810f17931f7a918.txt @@ -0,0 +1,99 @@ +Page 1 of 5 + +Column +31 SellType + +32 NumBor +33 First + +34 CICA + +35 BoRace + +36 CoRace + +37 BoSex + +38 CoSex + +39 BoAge + +40 CoAge + +41 Occup + +42 NumUnits +43 Bed1 + +44 Bed2 + +45 Bed3 + +46 Bed4 + +47 Aff1 + +48 Aff2 + +AMA_PUDB_Definitions_123113.xlsx + +Definition +Type of Acquiring Lender Institution +1=Insured depository institution; +2=Housing Associate; +3=Insurance Company +Number of Borrowers +First Time Home Buyer +1=yes; +2=no +Mortgage Purchased under the Banks' Community Investment Cash Advances (CICA) +Programs +1=AHP; +2=CIP; +3=Other CICA +9=Not Applicable; Not Purchased under AHP, CIP, or CICA +Borrower Race or National Origin +1=American Indian or Alaskan Native; +2=Asian; +3=Black or African American; +4=Native Hawaiian or Other Pacific Islander; +5=White; +7=Information not provided by applicant in mail or telephone application +Co-borrower Race or National Origin +1=American Indian or Alaskan Native; +2=Asian; +3=Black or African American; +4=Native Hawaiian or Other Pacific Islander; +5=White; +7=Information not provided by applicant in mail or telephone application; +8=No Co-Borrower +Borrower Sex +1=Male; +2=Female; +3=Information not provided by applicant in mail or telephone application +Co-Borrower Sex +1=Male; +2=Female; +3=Information not provided by applicant in mail or telephone application; +4=No Co-Borrower +Age of Borrower in years +99=Not provided by applicant in mail or telephone application +Age of Co-Borrower in years +98=No Co-Borrower; +99=Not provided by applicant in mail or telephone application +Occupancy Code +1=Principal residence/owner-occupied; +2=second home; +3=investment property (rental) +Number of Units +Unit1--Number of Bedrooms +98=no non-owner-occupied dwelling units +Unit2--Number of Bedrooms +98=no non-owner-occupied dwelling units +Unit3--Number of Bedrooms +98=no non-owner-occupied dwelling units +Unit4--Number of Bedrooms +98=no non-owner-occupied dwelling units +Unit1--Affordable Category meets the housing goals implemented by HERA Section 1205 +1=yes; +2=no diff --git a/chunks/txt/84ed1562b2efaf86ce88a74836b7aa42e46f50bf4b0c6df86cf9d3cb34541079.txt b/chunks/txt/84ed1562b2efaf86ce88a74836b7aa42e46f50bf4b0c6df86cf9d3cb34541079.txt new file mode 100644 index 0000000000000000000000000000000000000000..c4d64777a137f6c93d5af0f1a5760802e4bb1a6a --- /dev/null +++ b/chunks/txt/84ed1562b2efaf86ce88a74836b7aa42e46f50bf4b0c6df86cf9d3cb34541079.txt @@ -0,0 +1,32 @@ +Outbuilding Commentary + +(cid:24)(cid:17)(cid:19)(cid:21) + +(cid:20)(cid:21) +Outbuilding Exhibits + +(cid:20)(cid:21) + +(cid:17)(cid:19)(cid:21)(cid:25)(cid:17)(cid:20)(cid:3)(cid:95) (cid:20)(cid:21)(cid:17)(cid:19)(cid:21)(cid:25) + +(cid:17)(cid:21) + +Appraisal Version # + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21) + +Fannie Mae | Freddie Mac +(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:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23) + +Appraiser Reference ID +Agency Case File ID +Client Reference ID +AMC Reference ID + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27) diff --git a/chunks/txt/84f4d9f29b500d1ebfdd7cbd594c741e1efd0cee21e781e1636b624abf08e619.txt b/chunks/txt/84f4d9f29b500d1ebfdd7cbd594c741e1efd0cee21e781e1636b624abf08e619.txt new file mode 100644 index 0000000000000000000000000000000000000000..9094dae57e33aa1278ab0daa60d2141ffc8be83a --- /dev/null +++ b/chunks/txt/84f4d9f29b500d1ebfdd7cbd594c741e1efd0cee21e781e1636b624abf08e619.txt @@ -0,0 +1,91 @@ +Listing Type +MLS + +Listing ID +DC-687541 + +Start Date +07/23/2019 + +End Date +08/22/2019 + +DOM +30 + +Total DOM 30 + +Starting +List Price +$585,000 + +Current or +Final List Price +$585,000 + +Analysis of Subject Property Listing History The subject property was marketed on the local Multiple Listing Service for a total of 30 days +before accepting a contract offer; this time frame meets current market norms. No other recent listings of the subject were discovered during +my research. + +Sales Contract + +Is there a sales contract? +Was sales contract information analyzed? +Does this appear to be an arm’s length transaction? + +Yes No +  +  +  + +Contract Price +Contract Date +Transfer Terms +Personal Property Conveyed + +$585,000 +08/23/2019 +Typically Motivated +No + +Financial Sales Concessions + +Financial assistance paid by or on behalf of the seller as an inducement to purchase the subject property + +Known Sales Concessions + +No + +Sales Contract Analysis + +The contract was accepted 8/23/2019; the buyer has deposited a check in the amount of $10,000. + +Prior Sale and Transfer History + +Subject Transfer History + +Prior sales and/or transfers of the subject property (minimum 3 year look back) +Prior Sales or Transfers + +Data Source + +None +MLS + +Analysis of Prior Sale and Transfer History of Subject Property A search of local MLS reveal no recent listings or transfers of the subject +property. + +Comparable Transfer History + +Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back) +# +1 + +Transfer Terms +Typically Motivated + +Data Source +MLS + +Date +10/28/2018 diff --git a/chunks/txt/84fa8b04dd73812ab3747d3ca5074b5f6523b314afc87124e93b0927f090863d.txt b/chunks/txt/84fa8b04dd73812ab3747d3ca5074b5f6523b314afc87124e93b0927f090863d.txt new file mode 100644 index 0000000000000000000000000000000000000000..610f9e01c9411af5846b3a1d4f5514b57223fc0a --- /dev/null +++ b/chunks/txt/84fa8b04dd73812ab3747d3ca5074b5f6523b314afc87124e93b0927f090863d.txt @@ -0,0 +1,38 @@ + ROLE: The ROLE_DETAIL child container holds the identification of the role the + +party is playing in the transaction: the value in the data point PartyRoleType, for +example, “Borrower.” ROLE has child containers that match certain values of +PartyRoleType in order to communicate additional detail about that particular +party role. Only one detail container can be selected for each PartyRoleType +within ROLE_DETAIL—the one that matches the value in PartyRoleType—in this +case, BORROWER. + +ROLE / ROLE_DETAIL / PartyRoleType = “Borrower” + +ROLE / BORROWER + +Notes: The PARTY container is constructed to enable the capture of multiple roles +for a given party to a transaction. However, the GSEs' implementation of +the Reference Model in the ULDDS limits the number of roles a party can +play to one per instance of the PARTY container. + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 34 of 76 + +Section IV. Using the MISMO V3.0 Reference Model + +E. Characteristics: Container Attributes + +Attributes are specified for certain V3.0 Reference Model containers and data points (see +Section III-C. Attributes). Attributes at the container level qualify the entire container and +all data points within that container. The GSEs are using only two container attributes in +ULDDS Appendix A—MISMO Reference Model Identifier and Loan Role Type. + +The LOAN container within the MISMO V3.0 Reference Model can be qualified with an +attribute called “LoanRoleType.” The LoanRoleType attribute identifies the loan data in +the qualified LOAN container as either a “SubjectLoan” or a “RelatedLoan” and is required +with every instance of LOAN. Together with the value in LoanStateType (discussed in the +next section), LoanRoleType richly defines the data points in each instance of LOAN. diff --git a/chunks/txt/85069a4e5d0867806d40c84e07e264714f460b66273adccc960613ff7ac26500.txt b/chunks/txt/85069a4e5d0867806d40c84e07e264714f460b66273adccc960613ff7ac26500.txt new file mode 100644 index 0000000000000000000000000000000000000000..4bbd8f53fab77acf443fbfeb28f40b153dafc60d --- /dev/null +++ b/chunks/txt/85069a4e5d0867806d40c84e07e264714f460b66273adccc960613ff7ac26500.txt @@ -0,0 +1,69 @@ +Uniform Appraisal Dataset (UAD) Specification + +Issued by Fannie Mae and Freddie Mac +Appendix D-1: Single Family Scenario (SF5) +Document Version 1.1 +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 + +1.1 + +See Appendix D-1: URAR Sample Scenario Matrix for complete list of +updates. + +09/17/2024 + +1.0 + +Initial Publication + +Introduction + +This report is for a single-family detached ranch-style home with 1,260 square feet on one level. There is +a driveway and a deck. + +Key Characteristics + +• Parties associated with this transaction: + +o Client/Lender +o Appraiser + +• Assignment Reason: Refinance +• Property Valuation Method: Traditional Appraisal +• Construction Method: Site Built +• Appraisal is made As Is, with no Defects, Damages, or Deficiencies +• Sales Comparison Approach section includes Additional Properties Analyzed Not Used +• Revision History including Borrower-Initiated Reconsideration of Value + +Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to +information in the URAR. + +The URAR sample scenario begins on the next page. + +This cover section, including Introduction and Key Characteristics, + +is not part of the URAR. + +Uniform Residential Appraisal Report + +213 TREE STAND RD, ANYTOWN, MD 09992 + +SUMMARY + +Opinion of Market Value + +$350,000 + +Market Value Condition diff --git a/chunks/txt/851b50c2d51aa77ab37acfd4e7dd1b234628d7df75e4d70c0be4ba28e63d12b3.txt b/chunks/txt/851b50c2d51aa77ab37acfd4e7dd1b234628d7df75e4d70c0be4ba28e63d12b3.txt new file mode 100644 index 0000000000000000000000000000000000000000..6796c6b46c3a77f39bb5e27b838f62de0c7330d6 --- /dev/null +++ b/chunks/txt/851b50c2d51aa77ab37acfd4e7dd1b234628d7df75e4d70c0be4ba28e63d12b3.txt @@ -0,0 +1,20 @@ +Uniform Residential Appraisal Report + +Page 26 of 29 +Page 26 of 29 + +This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, statement of +assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the definition of market value or assumptions +and limiting conditions are not permitted. The appraiser may expand the scope of work to include any additional research or analysis +necessary based on the complexity of this appraisal assignment. Modifications or deletions to Intended Use, Intended User, and the +certifications are also not permitted. However, additional Intended Use, Intended User, and certifications that do not constitute material +alterations to this appraisal report, such as those required by law or those related to the appraiser’s continuing education or membership in an +appraisal organization, are permitted. + +Scope of Work + +The scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users, +the intended use, the definition of market value that follows, the effective date, the subject property and its relevant characteristics, and the +applicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate and reliable information for the subject +property; (2) research, verify, and analyze adequate and reliable data for the subject market area including data for each comparable property +reported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report. diff --git a/chunks/txt/8536ab02c7a28042a11dc8feb1e39abe46bd018da29b2e871b4c6751b3185124.txt b/chunks/txt/8536ab02c7a28042a11dc8feb1e39abe46bd018da29b2e871b4c6751b3185124.txt new file mode 100644 index 0000000000000000000000000000000000000000..bbcb58fd7221b9cd2b7c5bd5ac5dde0d82af40ca --- /dev/null +++ b/chunks/txt/8536ab02c7a28042a11dc8feb1e39abe46bd018da29b2e871b4c6751b3185124.txt @@ -0,0 +1,31 @@ +Uniform Residential Appraisal Report + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20) + +Page [Page] of [Pages] + +Sales Comparison Map + +(cid:21)(cid:21)(cid:17)(cid:20)(cid:27)(cid:17)(cid:19)(cid:20)(cid:17)(cid:20) + +Appraisal Version # + +Fannie Mae | Freddie Mac +(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:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21) + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23) + +Appraiser Reference ID +Agency Case File ID +Client Reference ID +AMC Reference ID + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:24) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:25) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:26) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:27) + +(cid:32)(cid:59)(cid:51)(cid:48)(cid:61)(cid:67)(cid:56)(cid:76)(cid:29)(cid:44)(cid:70)(cid:51)(cid:42)(cid:44)(cid:59)(cid:72)(cid:51)(cid:34)(cid:53)(cid:76)(cid:16)(cid:64)(cid:64)(cid:67)(cid:34)(cid:51)(cid:70)(cid:34)(cid:53)(cid:76)(cid:29)(cid:44)(cid:64)(cid:61)(cid:67)(cid:72)(cid:76) (cid:25)(cid:23)(cid:3)(cid:5)(cid:5)(cid:7)(cid:76) diff --git a/chunks/txt/8539fe1acd0d159fe4a0c521cc3462cd1a2f07824a308d991d46a0dbd1ef71a4.txt b/chunks/txt/8539fe1acd0d159fe4a0c521cc3462cd1a2f07824a308d991d46a0dbd1ef71a4.txt new file mode 100644 index 0000000000000000000000000000000000000000..8c56b2318c0f3f687e2f3e868a96c39cd846a09e --- /dev/null +++ b/chunks/txt/8539fe1acd0d159fe4a0c521cc3462cd1a2f07824a308d991d46a0dbd1ef71a4.txt @@ -0,0 +1,114 @@ +ID + +11.4 + +12.4 + +25.1 + +19.2.1 + +19.3.1 + +20.1 + +20.6 + +GSE + +XML + +Data Point Context + +EXTENSION Data Point + +Enumeration + +…/LIABILITY/LIABILITY_DETAIL/EXTE +NSION/OTHER + +gse:IntegratedDisclosureS +ectionType + +DueFromBorrowerAtClosing + +PaidAlreadyByOrOnBehalfOf +BorrowerAtClosing + +PayoffsAndPayments + +gse:LiabilitySecuredBySubj +ectPropertyIndicator + +false | true + +…/PAYMENT/PAYMENT_RULE/EXTE +NSION/OTHER + +gse:TotalOptionalPayment +Count + +gse:TotalStepPaymentCou +nt + +gse:TotalStepCount + +…/INTEREST_RATE_ADJUSTMENT/I +NTEREST_RATE_LIFETIME_ADJUST +MENT_RULE/EXTENSION/OTHER + +…/BUYDOWN/BUYDOWN_RULE/EX +TENSION/OTHER + +gse:BuydownReflectedInN +oteIndicator + +false | true + +…/LOAN/LOAN_DETAIL/EXTENSION +/OTHER + +gse:SubordinateFinancingI +sNewIndicator + +false | true + +…/DOCUMENT/SYSTEM_SIGNATUR +ES/SYSTEM_SIGNATURE/EXTENSIO +N/OTHER + +../DOCUMENT/DOCUMENT_CLASSI +FICATION/DOCUMENT_CLASSIFICA +TION_DETAIL/EXTENSION/OTHER + +gse:XMLDigitalSignatureEl +ement + +gse:DocumentSignatureRe +quiredIndicator + +4. TO SUPPORT DATA RELATI ONSHI PS + +The XML attributes for the XLink function are included in Appendix I to establish relationships—link information +between--sibling containers. Relationship data point requirements are discussed in detail in 23.0 A. Contact +Table Relationships in the UCD File and 24.0 A. Borrower and Seller Relationships to Signature Line. + +5 This data is included in MISMO v3.4. + +Appendix E: UCD Implementation Guide + +Page 26 of 254 + +Version 1.4 + +Uniform Closing Dataset + +IV. UCD Data Point Categories + +5. APPENDI X I EXCERPT + +The UCD file must include information for the receiving system to know how to translate the file, who sent it and +when it was created, and what type (or types) of payload it has. The UCD file includes not only the data used to +populate the Closing Disclosure, but also data identifying the Closing Disclosure variation and either one or two +Closing Disclosure views. Table 5 shows the file and document metadata that must be included in the UCD file. +Only one Closing Disclosure Data Point is included: diff --git a/chunks/txt/85410d5a81cd64c84a0781de20fd84a5fb9e3434a6665bf011de4ee9fd44b2e2.txt b/chunks/txt/85410d5a81cd64c84a0781de20fd84a5fb9e3434a6665bf011de4ee9fd44b2e2.txt new file mode 100644 index 0000000000000000000000000000000000000000..086b47e5acdf33ee8d5f074a13bf117f70aa8a2d --- /dev/null +++ b/chunks/txt/85410d5a81cd64c84a0781de20fd84a5fb9e3434a6665bf011de4ee9fd44b2e2.txt @@ -0,0 +1,96 @@ +Table IV-1. Definitions of High-Level Containers + +MESSAGE + +.ABOUT_VERSIONS + +..ABOUT_VERSION + +.DEAL_SETS + +..DEAL_SET + +…DEALS + +….DEAL + +….:ASSETS + +….:.ASSET + +….:COLLATERALS + +….:.COLLATERAL + +The root (highest level) container in the MISMO V3.0 +Reference Model. + +Captures the version number of the receiving GSE’s +Implementation Guide for Loan Delivery Data used to +create the loan delivery XML file. + +Holds a collection of DEAL containers that may or may +not be related. + +Each DEAL container holds the data pertaining to the +sale of one unique loan. + +Borrower asset and asset documentation information. +This container is optional for the first release. + +Captures information about the property that secures +the delivered loan. Only one COLLATERAL container +should be submitted. + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 28 of 76 + +Section IV. Using the MISMO V3.0 Reference Model + +Table IV-1. Definitions of High-Level Containers + +….:..PROPERTIES + +….:…PROPERTY + +….:LOANS + +….:.COMBINED_LTVS + +….:..COMBINED_LTV + +….:.LOAN + +….:PARTIES + +….:.PARTY + +….:..ROLES + +….:…PARTY_ROLE_ +IDENTIFIERS + +….:…ROLE + +…INVESTOR_FEATURES + +….INVESTOR_FEATURE + +…PARTIES + +….PARTY + +….:ROLES + +The data submitted should be the most up-to-date data +known about the subject property at the time of +delivery. Only one PROPERTY container should be +submitted. + +Contains multiple instances of LOAN that together +provide all data points needed to define the delivered +loan and any supporting information from associated +related loans. diff --git a/chunks/txt/85442a1af48fbd41741e5dd3ec90c25dca53378d64e79dba93d226892f8cf326.txt b/chunks/txt/85442a1af48fbd41741e5dd3ec90c25dca53378d64e79dba93d226892f8cf326.txt new file mode 100644 index 0000000000000000000000000000000000000000..e0d484abb52b135f28839fcc4db635f886b0c921 --- /dev/null +++ b/chunks/txt/85442a1af48fbd41741e5dd3ec90c25dca53378d64e79dba93d226892f8cf326.txt @@ -0,0 +1,92 @@ +You paid these Closing Costs +before closing + +UCD v2.0 Implementation Guide + +- 66 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Table 36. UCD v2.0 Spec Excerpt - Cash to Close Item – Refinance Data Requirements. + +UCD UID + +MISMO v3.3.0 Data Point + +Delivered Value + +Implementation Notes + +9.079 + +IntegratedDisclosureCashToCloseItemEstimatedAmount + +9.080 + +IntegratedDisclosureCashToCloseItemFinalAmount + +0.00 + +435.00 + +9.078 + +IntegratedDisclosureCashToCloseItemType + +ClosingCostsPaidBeforeClosing + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUMEN +T_SPECIFIC_DATA_SETS/DOCUMENT_SPECIFIC_DATA_SET/INTEGRATED_DISCLOSURE/CASH_TO_CLOSE_ITEMS/CASH_TO_CLOSE_ITEM + +9.081 + +IntegratedDisclosureCashToCloseItemAmountChangedIndi +cator + +true + +9.082 + +IntegratedDisclosureCashToCloseItemChangeDescription + +See Payoffs and Payments (K) + +9.079 + +IntegratedDisclosureCashToCloseItemEstimatedAmount + +9.080 + +IntegratedDisclosureCashToCloseItemFinalAmount + +-120000.00 + +-115000.00 + +9.078 + +IntegratedDisclosureCashToCloseItemType + +PayoffsAndPayments + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUMEN +T_SPECIFIC_DATA_SETS/DOCUMENT_SPECIFIC_DATA_SET/INTEGRATED_DISCLOSURE/CASH_TO_CLOSE_ITEMS/CASH_TO_CLOSE_ITEM + +9.080 + +IntegratedDisclosureCashToCloseItemFinalAmount + +5322.00 + +9.078 + +IntegratedDisclosureCashToCloseItemType + +ClosingCostsFinanced + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/DOCUMEN +T_SPECIFIC_DATA_SETS/DOCUMENT_SPECIFIC_DATA_SET/INTEGRATED_DISCLOSURE/CASH_TO_CLOSE_ITEMS/CASH_TO_CLOSE_ITEM diff --git a/chunks/txt/855a6ac183fe1ed8c1942cafb6e58de32c89d1b7e0f89b7f65c0a6ba112f12c7.txt b/chunks/txt/855a6ac183fe1ed8c1942cafb6e58de32c89d1b7e0f89b7f65c0a6ba112f12c7.txt new file mode 100644 index 0000000000000000000000000000000000000000..e295847022d4229e10c4fe9b09d48cac7ead2446 --- /dev/null +++ b/chunks/txt/855a6ac183fe1ed8c1942cafb6e58de32c89d1b7e0f89b7f65c0a6ba112f12c7.txt @@ -0,0 +1,27 @@ +Desktop Underwriter Validation Service Release Notes + +March 6, 2024 + +On March 29, 2024, Fannie Mae will update the Desktop Underwriter® (DU®) validation service to allow for the digital validation of +income and employment for casefiles submitted to DU which reference an eligible third-party asset verification report. This +update will apply to new casefiles created on or after March 29, 2024. + +Note: This enhancement is an option available to all lenders, though lenders must opt-in to be activated to have +access to this functionality. DO lenders need their sponsoring lenders to opt in to receive this functionality. + +Income and Employment Validation using Asset Verification Reports + +The DU validation service is being updated to allow for income and employment validation using an asset verification report. This +is the same asset verification report that can already be used to obtain asset validation and to enhance the credit risk assessment. + +The new capability compares borrower income (wage and non-wage) and employment information in the loan application +against deposits in an asset verification report’s transaction history. When a recurring deposit can be matched to a borrower’s +income source, DU will validate the income when the income value calculated by DU supports the income provided by the lender +on the loan application. Employment may also be validated when income can be calculated for the borrower’s wage income even +if the calculated amount cannot be used to validate the lender provided income amount. + +When income or employment is validated using an asset verification report, lenders receive relief from enforcement of related +representations and warranties if the loan closes by the date specified in the DU messages and all other conditions of the DU +validation service are met. The close-by-date in DU for income validation is equal to 4-months from the “current-as-of” date (the +effective date of the report data) of the asset verification report. Similarly, the close-by-date for employment validation is equal to +15 calendar days. diff --git a/chunks/txt/857104cff7fbb34607a070b760b1caec31c0eb22de01683fae17055befb6b86e.txt b/chunks/txt/857104cff7fbb34607a070b760b1caec31c0eb22de01683fae17055befb6b86e.txt new file mode 100644 index 0000000000000000000000000000000000000000..8fc7c4cabd4adbba9ddb17078c499d653e14a239 --- /dev/null +++ b/chunks/txt/857104cff7fbb34607a070b760b1caec31c0eb22de01683fae17055befb6b86e.txt @@ -0,0 +1,125 @@ +Physical +Physical +09/20/2019 + +Significant Real Property Appraisal Assistance + +Name + +Andrew Appraiser + +Credentials + +Level + +None + +Description Andrew Appraiser, a trainee appraiser, filled out the Market section, provided the Market Analysis, assisted in measuring +property, and did an exterior inspection of the comparables from the street. + +Subject Property + +Physical Address + +County +Neighborhood Name + +123 Falling Tree Ct +Treeville, VA 12345 +Arboreal +Sunnyside + +Attachment Type +Units Excluding ADUs +Accessory Dwelling Units +Special Tax Assessments + +Detached +1 +0 +No + +Planned Unit Development (PUD) +Condominium +Cooperative +Condop +Property on Native American Lands +Subject Site Owned in Common +Homeowner Responsible for all Exterior Maintenance +of Dwelling(s) +New Construction + +Yes No +  +  +  +  +  +  +  + +  + +Check #A + +Ownership Rights + +Property Rights Appraised + +Fee Simple + +All Rights Included in Appraisal + +Yes + +Legal Description + +Lot 53 Sunnyside Subdivision + +Appraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1) + +Uniform Residential Appraisal Report + +Page 3 of 21 +Page 3 of 21 + +Site + +Total Site Size + +14,950 Sq. Ft. + +Number of Parcels + +1 + +Assessor Parcel Number (APN) +1234-56-7891-000 + +APN Description +Land with Dwelling + +Parcel Size +14,950 Sq. Ft. + +Zoning + +Compliance +Classification Code +Classification Code Description + +Legal +R10 +Residential - 10 Dwelling Units +per Acre + +Property Use + +Non-Residential Use + +None + +Property Access +Primary Access +Street Type and Surface +Typical for Market diff --git a/chunks/txt/857c6d465431bcb0aaf0b69d7902407b8b42ec4a5cc08640c2d368c099afa70e.txt b/chunks/txt/857c6d465431bcb0aaf0b69d7902407b8b42ec4a5cc08640c2d368c099afa70e.txt new file mode 100644 index 0000000000000000000000000000000000000000..8b2e1829379fa55a308f7e4d7d0d8bd202d82291 --- /dev/null +++ b/chunks/txt/857c6d465431bcb0aaf0b69d7902407b8b42ec4a5cc08640c2d368c099afa70e.txt @@ -0,0 +1,125 @@ +Yes (2 or more parcels share a common boundary). +No (the parcels are divided). + +4.004 + +Elements +Dividing Parcels + +Required if Parcels +Contiguous is No + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +The elements that separate non-contiguous parcels. +• +• +• +• + +Body of Water +Other Parcel +Road +Other (Describe) + +Appendix F-1: URAR Reference Guide + +Page 55 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +04 Site + +Information for Each Parcel + +Report +Field ID + +4.005 + +Report Label + +When to Include + +Assessor Parcel +Number (APN) + +Required for each +parcel if the property +is not in a cooperative, +or if applicable when +the property is in a +condop. + +4.006 + +APN Description Required for each + +parcel if the property +is not in a cooperative, +or if applicable when +the property is in a +condop. + +Site: Information for each Parcel + +Allowable +Answers / Format + +Free-form + +Definition / Additional Guidance + +A number assigned to parcels of real property by the local jurisdiction for +purposes of identification, record-keeping, and taxation. +Note: If the APN is not yet assigned, enter “Not Assigned”. + +Choose an +allowable answer +from table (APN +Description) + +A description of the use of the land. An APN is required for each parcel that is +included in the valuation when one has been assigned by the local taxing +authority. +• +• +• +• +• +• +• +• + +Land with Dwelling +Condominium Unit +Land with Improvement +Vacant Land +Boat Slip +Parking +Storage +Other (Describe) + +Not on +Report + +This is an +appraiser input +that does not +display + +4.007 + +Parcel Size + +If available for each +parcel + +Free-form diff --git a/chunks/txt/85881f0cae7a03e67f7a9bae9a0476beefe65356d749fff4c3aa497e5fa65baf.txt b/chunks/txt/85881f0cae7a03e67f7a9bae9a0476beefe65356d749fff4c3aa497e5fa65baf.txt new file mode 100644 index 0000000000000000000000000000000000000000..8f5ff180ac0a7efa239cdb988746395b765f93e7 --- /dev/null +++ b/chunks/txt/85881f0cae7a03e67f7a9bae9a0476beefe65356d749fff4c3aa497e5fa65baf.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/data" +date_accessed: "2026-01-27T17:50:58.637Z" +--- + +> *[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. 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Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/8599bf0827698ada1408cdffa714e56ec9d7c8d80d7ea16643ec8d372411987d.txt b/chunks/txt/8599bf0827698ada1408cdffa714e56ec9d7c8d80d7ea16643ec8d372411987d.txt new file mode 100644 index 0000000000000000000000000000000000000000..178e3e3058f50a48a01738a63e2785ed06a2c719 --- /dev/null +++ b/chunks/txt/8599bf0827698ada1408cdffa714e56ec9d7c8d80d7ea16643ec8d372411987d.txt @@ -0,0 +1,120 @@ +Number of Borrowers +Numeric code indicating whether borrower is a first +time homebuyer. 0 = No, 1 = Yes +Numeric code indicating the race of the Borrower. +1=American Indian or Alaska Native, 2=Asian, 3=Black +or African American, 4=Native Hawaiian or other +Pacific Islander, 5=White, 6=Information not provided +by Borrower, 7=Not Applicable (First or primary +borrower is an institution, corporation or partnership) + +26 + +Borrower2Race1Type + +CoRace + +Borrower2 Race1 Type + +27 + +Borrower1SexType + +BoSex + +Borrower1 Sex Type + +28 + +Borrower2SexType + +CoSex + +Borrower2 Sex Type + +29 + +Borrower1AgeAtApplicationYears + +BoAge + +Borrower1 Age at Application Years Count + +30 + +Borrower2AgeAtApplicationYears + +CoAge + +Borrower2 Age at Application Years Count + +31 + +PropertyUsageType + +Occup + +Property Usage Type + +PropertyUnitCount + +32 +33 NoteRatePercent +34 NoteAmount +35 HousingExpenseRatioPercent + +NumUnits +Rate +Amount +Front + +Property Unit Count +Note Rate Percent +Note Amount +Housing Expense Ratio Percent + +36 + +TotalDebtExpenseRatioPercent + +Back + +Total Debt Expense Ratio Percent + +37 + +Borrower1CreditScoreValue + +BoCreditScor + +Borrower 1 Credit Score Value + +38 + +Borrower2CreditScoreValue + +CoBoCreditScor + +Borrower 2 Credit Score Value + +39 + +PMICoveragePercent + +PMI + +PMI Coverage Percent + +Numeric code indicating the race of the Co-Borrower. +1=American Indian or Alaska Native, 2=Asian, 3=Black +or African American, 4=Native Hawaiian or other +Pacific Islander, 5=White, 6=Information not provided +by borrower, 7=Not Applicable (First or primary +borrower is an institution, corporation or partnership), +8=No Co-Borrower + +Numeric code indicating the sex of the first or primary +borrower. 1=Male, 2=Female, 3=Information not +provided by borrower, 4=Not Applicable (First or +primary borrower is an institution, corporation or +partnership), 6=Indeterminate Value diff --git a/chunks/txt/85a0d7a9524c59ccbe56d954d5aad9751630c7cceee366f793e2a98e9d6dab8a.txt b/chunks/txt/85a0d7a9524c59ccbe56d954d5aad9751630c7cceee366f793e2a98e9d6dab8a.txt new file mode 100644 index 0000000000000000000000000000000000000000..f0c1e3991296ec788abe5124e97fb5a40eaaf7de --- /dev/null +++ b/chunks/txt/85a0d7a9524c59ccbe56d954d5aad9751630c7cceee366f793e2a98e9d6dab8a.txt @@ -0,0 +1,160 @@ +TXR-B + +Levels in Unit +Floor Number +Corner Unit +Occupancy +Utilities Separately Metered +Utilities Operating +Total Bedrooms +Total Bathrooms - Full +Total Bathrooms - Half +Non-Residential Use in Unit +Live/Work Space + +Allowable Work Space + +TXR-B +TXR-I + +Level in Unit + +Grade Level Detail + +Finish + +Area + +Room Summary + +TXR-B +TXR-I + +TXR-I + +TXR-B +TXR-B + +CK1 + +TXR-I +TXR-II +TXR-I + +TXR-I + +H2 + +TCH +TB + +H1 + +Quality and Condition + +TXR-B + +Interior Quality Rating + +TXR-B + +Interior Condition Rating + +The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report + +Kitchen and Bathroom Details + +Room + +Update Status + +Time Frame + +Quality Comment + +Condition Status + +Condition Comment + +TXC-I + +H2 + +TCH +TB + +Overall Update Status for +Bathrooms + +TXR-B + +H2 + +Interior Features + +Feature + +TCH +TB + +Overall Update Status for +Flooring + +TXR-B + +Detail + +Quality Comment + +Condition Status + +Condition Comment + +Accessibility Features for Individuals with Disabilities + +Feature + +Comment + +Apparent Defects, Damages, Deficiencies (Unit Interior - [Outbuilding Type] - [Structure Identifier] - [Unit Identifier]) + +The items listed below represent the As Is condition as of the effective date of this report + +Feature + +Location + +Description + +Affects Soundness or +Structural Integrity + +Recommended +Action + +Unit Interior Commentary + +Unit Interior Exhibits + +H1 + +TCH +TB + +H1 + +TXC-I + +TCH +TB + +H1 +TXC + +H1 + +FTR-L + +FTR-R + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 diff --git a/chunks/txt/85ab2f3eb3418a1d7f6f57776a76189fbc1775fbd1af2d744326737ededbb025.txt b/chunks/txt/85ab2f3eb3418a1d7f6f57776a76189fbc1775fbd1af2d744326737ededbb025.txt new file mode 100644 index 0000000000000000000000000000000000000000..242b9d91aa6dfa862d3023a848601b96cf60f4b5 --- /dev/null +++ b/chunks/txt/85ab2f3eb3418a1d7f6f57776a76189fbc1775fbd1af2d744326737ededbb025.txt @@ -0,0 +1,36 @@ +1=American Indian or Alaska Native; 2=Asian; 3=Black +or African American; 4=Native Hawaiian or other +Pacific Islander; 5=White; 6=Information not provided; +7=Not Applicable (borrower is an institution, +corporation or partnership) +1=American Indian or Alaska Native; 2=Asian; 3=Black +or African American; 4=Native Hawaiian or other +Pacific Islander; 5=White; 6=Information not provided; +7=Not Applicable (borrower is an institution, +corporation or partnership) +1=American Indian or Alaska Native; 2=Asian; 3=Black +or African American; 4=Native Hawaiian or other +Pacific Islander; 5=White; 6=Information not provided; +7=Not Applicable (borrower is an institution, +corporation or partnership) +1=Hispanic or Latino; 2=Not Hispanic or Latino; +3=Information not provided; 4=Not applicable (First or +primary borrower is an institution, corporation or +partnership); 5=No Co-Borrower +1=American Indian or Alaska Native; 2=Asian; 3=Black +or African American; 4=Native Hawaiian or other +Pacific Islander; 5=White; 6=Information not provided; +7=Not Applicable (borrower is an institution, +corporation or partnership); 8=No Co-Borrower + +1=American Indian or Alaska Native; 2=Asian; 3=Black +or African American; 4=Native Hawaiian or other +Pacific Islander; 5=White; 6=Information not provided; +7=Not Applicable (borrower is an institution, +corporation or partnership); 8=No Co-Borrower + +1=American Indian or Alaska Native; 2=Asian; 3=Black +or African American; 4=Native Hawaiian or other +Pacific Islander; 5=White; 6=Information not provided; +7=Not Applicable (borrower is an institution, +corporation or partnership); 8=No Co-Borrower diff --git a/chunks/txt/85ab5dfb3f008fd3968f028afe042b1f6e594eb3decf705a04b41ae4052c12d6.txt b/chunks/txt/85ab5dfb3f008fd3968f028afe042b1f6e594eb3decf705a04b41ae4052c12d6.txt new file mode 100644 index 0000000000000000000000000000000000000000..9a1bd4ae8be345e0c4e1a0abacb0ef912323703a --- /dev/null +++ b/chunks/txt/85ab5dfb3f008fd3968f028afe042b1f6e594eb3decf705a04b41ae4052c12d6.txt @@ -0,0 +1,90 @@ +- + +entire row. +Images for the repair item must be provided and display in +Completion Report Exhibits + +Display for each repair item +- When items are not related to kitchens or baths, use + +DefectItemLocationType = “Other” and describe the location in +DefectItemLocationTypeOtherDescription (UID: 3900.0162, FID: +03.002) + +03.003 + +Description + +3900.0011 DefectItemDescription + +Display for each repair item + +Page 20 + +Report +Field ID + +Report Label + +Unique ID MISMO Data Point Name + +Display Rules + +Completion Report: Itemized List of Repairs (Figure 03 - 1) + +03.004 + +Affects Soundness or +Structural Integrity + +3900.0012 + +03.005 + +Repair Completed + +3900.0016 + +03.006 + +Inspection Date + +3900.0017 + +03.007 + +Completion Comment + +3900.0018 + +DefectItemAffectsSoundnessStr +ucturalIntegrityIndicator +DefectItemRecommendedActio +nCompletedIndicator +DefectItemRecommendedActio +nInspectionDate +DefectItemRecommendedActio +nCompletionDescription + +Display when PropertyValuationConditionalConclusionType = +"SubjectToRepair" AND CompletionReportNewDefectIndicator = "false" +Display for each repair item + +Display for each repair item + +Display for each repair item + +Display when DefectItemRecommendedActionCompletedIndicator = +“false” OR exists + +Figure 03 - 1 + +04 New Observed Items for Repair + +The New Observed Items for Repair section displays a list of additional repairs observed in the course of the completion inspection. + +Page 21 + +When there are no newly observed items in the course of the completion inspection, the section does not display. + +• Each newly observed item for repair, must include the CompletionReportNewDefectIndicator - (UID: 3900.0015, FID: Not on report) = “true” and diff --git a/chunks/txt/85af1396242f91812efbaa3e2fca840cc46a270e0e5b60411be2652ba51d9a35.txt b/chunks/txt/85af1396242f91812efbaa3e2fca840cc46a270e0e5b60411be2652ba51d9a35.txt new file mode 100644 index 0000000000000000000000000000000000000000..1866f24c319a6aa55b379b904d67fac604a9ab05 --- /dev/null +++ b/chunks/txt/85af1396242f91812efbaa3e2fca840cc46a270e0e5b60411be2652ba51d9a35.txt @@ -0,0 +1,75 @@ +(cid:21)(cid:17)(cid:19)(cid:19)(cid:20) + +(cid:21)(cid:17)(cid:19)(cid:19)(cid:21) + +(cid:21)(cid:17)(cid:19)(cid:19)(cid:22) + +Property Valuation Method + +(cid:21)(cid:17)(cid:19)(cid:19)(cid:23) + +Was a Property Data Report used in lieu of an +Inspection? + +(cid:21)(cid:17)(cid:19)(cid:19)(cid:24) + +Yes No +(cid:133) (cid:133) + +Appraiser Fee +AMC Fee +Government Agency +Investor Requested Special Identification + +(cid:21)(cid:17)(cid:19)(cid:19)(cid:25) + +(cid:21)(cid:17)(cid:19)(cid:19)(cid:26) + +(cid:21)(cid:17)(cid:19)(cid:19)(cid:27) + +(cid:21)(cid:17)(cid:19)(cid:19)(cid:28) + +Credentials + +ID +State +Expires + +Credentials + +Level +ID +State +Expires + +ASC Identifier +VA Appraiser ID +FHA Appraiser ID +Employment Type + +Credentials + +Level +ID +State +Expires + +ASC Identifier +VA Appraiser ID +FHA Appraiser ID +Employment Type + +Credentials + +Level +ID +State +Expires + +(cid:21)(cid:17)(cid:19)(cid:20)(cid:23) + +(cid:21)(cid:17)(cid:19)(cid:20)(cid:24) + +(cid:21)(cid:17)(cid:19)(cid:20)(cid:25) + +(cid:21)(cid:17)(cid:19)(cid:21)(cid:23) diff --git a/chunks/txt/85b7c965cb9c428736ad5db100202ee3e4ed4ac11d1c67d2a80045c5234e3bf4.txt b/chunks/txt/85b7c965cb9c428736ad5db100202ee3e4ed4ac11d1c67d2a80045c5234e3bf4.txt new file mode 100644 index 0000000000000000000000000000000000000000..0d08d82198c8bd1a7ec491a39257b1b76201f68a --- /dev/null +++ b/chunks/txt/85b7c965cb9c428736ad5db100202ee3e4ed4ac11d1c67d2a80045c5234e3bf4.txt @@ -0,0 +1,111 @@ +Appendix E: UCD Implementation Guide + +Page 199 of 254 + +Version 1.4 + +Uniform Closing Dataset + +19.0 Adjustable Payment (AP) Table + +Figure 119. Loan Terms Table for Fixed Rate Interest Only Loan + +2. LOAN TERMS AND AP TABLES FOR I NTEREST ONLY LOAN + +The following table links the information provided in the Loan Terms and AP Tables. + +Table 132. Fixed Rate Interest Only Loan + +ID (bullet) +4.3 + +4.3.3 (1) + +Loan Terms Table (4.0) + +AP Table (19.0) + +Form Field Name + +ID + +Form Field Name + +Monthly Principal & Interest +Adjusts once… + +19.5 Monthly Principal and Interest Payments + +N/A + +N/A + +N/A + +4.3.3 (1) + +4.3.3 (2) +4.3.3 (2) + +…starting in year 2 +Can go as high as $1,500 … +…in year 2 + +4.3.2 | 4.3.3 (3) Includes only interest and no principal + +until year 2 + +19.1 | +19.1.1 + +19.7 + +Subsequent Changes No subsequent changes +First Change / Amount $1,500.00… +First Change / Amount …at 13th payment + +19.6 +19.6 +19.8 Maximum Payment $1,500… +19.8 + +…starting at 13th payment +Interest Only Payments For your first 12 +payments + +Figure 120. Loan Terms and AP Tables for Fixed Rate Interest Only Loan + +The data points used to provide this information are shown in the table below. The Loan Terms Table form field +IDs have been included where applicable to help emphasize that the data points are provided only once in the +XML file. + +Table 133. Fixed Rate Interest Only Loan + +ID +(bullet) + +19.6 +|4.3.3(1) + +19.8 +|4.3.3(2) + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +First Change / +Amount…at #___ +payment +Maximum Payment +… starting at ___ +payment diff --git a/chunks/txt/85baf12491da2659a752c2149141f721a3b862fdae05d8c4415f8978f3add92a.txt b/chunks/txt/85baf12491da2659a752c2149141f721a3b862fdae05d8c4415f8978f3add92a.txt new file mode 100644 index 0000000000000000000000000000000000000000..411c0ea5569c682e13932c8b921544cfb5fa2685 --- /dev/null +++ b/chunks/txt/85baf12491da2659a752c2149141f721a3b862fdae05d8c4415f8978f3add92a.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/programs/fintech" +date_accessed: "2026-01-27T17:48:04.474Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/85c25f84dda882e9cdce6963268791dccda1ea8bc3f1365ce275f4773d432bb1.txt b/chunks/txt/85c25f84dda882e9cdce6963268791dccda1ea8bc3f1365ce275f4773d432bb1.txt new file mode 100644 index 0000000000000000000000000000000000000000..3588b84bfb9f17cd4d099350713ad9b6e78fac26 --- /dev/null +++ b/chunks/txt/85c25f84dda882e9cdce6963268791dccda1ea8bc3f1365ce275f4773d432bb1.txt @@ -0,0 +1,151 @@ +This is the actual value (Phone, Fax, E- +Mail, Other) of the Contact Point Type. +This is the actual value (Phone, Fax, E- +Mail, Other) of the Contact Point Type. + +/VALUATION_RESPONSE/PARTIES/APPRAISER/CONTACT_DETAIL +/CONTACT_POINT[@_Type=‘Phone’]/@_Value +/VALUATION_RESPONSE/PARTIES/APPRAISER/CONTACT_DETAIL +/CONTACT_POINT[@_Type=‘Email’]/@_Value + +Refer to Appendix E for PDF Rendering and Parsing Instructions. +Should conform to USPS (Pub 28). The following address element should be +included in this field: +• 5-digit ZIP Code or ZIP+4 code + +String + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +String + +This field should contain the entire telephone number, including area code. + +String + +Free text – should contain the appraiser’s email address. + +10 + +50 + +55 + +APPRAISER +CERTIFICATION + +Appraiser +Date of Signature and Report + +Appraiser Report +Signed Date + +Indicates the date the appraiser signed the +appraisal report. + +/VALUATION_RESPONSE/REPORT/@AppraiserReportSignedDate + +10 + +Date/Time + +Data Format: +yyyy-mm-dd + +PDF Display Format: +mm/dd/yyyy + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +Form FNM 2055 FRE 2055 +Appendix B: GSE Appraisal Forms Mapping + +Page 208 of 211 + +Document Version 1.4 + +Sort +ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point +Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +466 + +6 + +12 + +APPRAISER +CERTIFICATION + +Appraiser +Effective Date of Appraisal + +Appraisal Effective +Date + +Effective date of the appraisal report on +the subject property. diff --git a/chunks/txt/85df58ec8c5dabb316f542f678ab912560cfdfdc66a402686cb66834caed020c.txt b/chunks/txt/85df58ec8c5dabb316f542f678ab912560cfdfdc66a402686cb66834caed020c.txt new file mode 100644 index 0000000000000000000000000000000000000000..4c488305d407e0fa2bb11545d83c4a568598d282 --- /dev/null +++ b/chunks/txt/85df58ec8c5dabb316f542f678ab912560cfdfdc66a402686cb66834caed020c.txt @@ -0,0 +1,15 @@ +Technology Manager Release Notes +June 8, 2023 + +Technology Manager (TM) is a web-based tool that allows Fannie Mae customers to provision and manage +access to Fannie Mae applications. Registered users can view and modify their user profile and security +information, and company designated administrators can assign various applications to their users and +manage their System IDs. + +What’s new in this release? + +• Role Descriptions – Admins may view all role descriptions as a tool tip in Technology Manager. This +feature will simplify ability to view role descriptions on same screen where Admins select the +applicable roles. + +© 2023 Fannie Mae Page 1 of 1 diff --git a/chunks/txt/85eb2b195d95f311b21e46599c7277478121f736586e60d0510d90c587d125a0.txt b/chunks/txt/85eb2b195d95f311b21e46599c7277478121f736586e60d0510d90c587d125a0.txt new file mode 100644 index 0000000000000000000000000000000000000000..170aae7091ad20b74f593d3fe617c756af5f8a56 --- /dev/null +++ b/chunks/txt/85eb2b195d95f311b21e46599c7277478121f736586e60d0510d90c587d125a0.txt @@ -0,0 +1,37 @@ +As specified in the release notes, for DU to determine the project in which the property is located, DU will use the CPM ID or a +complete address along with the project name. The data point names for the fields are shown below. The fields (Condo Project +Manager ID and Project Name) can be found in the L1. Property and Loan Information section of the Desktop Originator® (DO®)/DU +User Interface (UI). + +Unique ID MISMO v3.4 Data Point Name +12.0036 + +ProjectName + +MISMO v3.4 Data Point Definition +The name of the project in which subject property is +located (e.g., the name of the condominium or +cooperative). + +12.0027 + +FNMCondominiumProjectManagerProjectIdentifier The unique identifier of a property development project + +to which individual properties belong assigned by the +Fannie Mae Condo Project Manager (CPM) system. + +Note: The CPM information will only be provided for new DU V. 12.0 loan casefiles created on or after June 23, 2025. + +© 2025 Fannie Mae 5.2.25 1 of 2 + +Income Calculator + +Income Calculator is an easy-to-use Fannie Mae-hosted service that leverages tax return data to quickly calculate income for self- +employed borrowers, consistent with Fannie Mae Selling Guide policy. Income Calculator helps originators correctly calculate +income for self-employed borrowers so they can make informed underwriting decisions, reduce origination cycle times, and +potentially limit repurchase risk. + +DU will generate a message confirming any enforcement relief of representations & warranties offered by Income Calculator. In +preparation for that future state, the DU Specification was expanded as to include the data points shown in the table below and +previously provided in the May 2024 Integration Impact Memo. Integrators are encouraged to begin development once testing +becomes available. diff --git a/chunks/txt/85eb7b8870d3c578ef2088535ce6cd0525aa9da297bcec9c54bbdaba86411ba0.txt b/chunks/txt/85eb7b8870d3c578ef2088535ce6cd0525aa9da297bcec9c54bbdaba86411ba0.txt new file mode 100644 index 0000000000000000000000000000000000000000..3679be4dea60448ab27d327280e27cca5db8eec3 --- /dev/null +++ b/chunks/txt/85eb7b8870d3c578ef2088535ce6cd0525aa9da297bcec9c54bbdaba86411ba0.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/programs/affordable-housing" +date_accessed: "2026-01-27T17:54:20.486Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/8601cb89e7e45267ac919eea744a536804a85269a755491742ad179520a80156.txt b/chunks/txt/8601cb89e7e45267ac919eea744a536804a85269a755491742ad179520a80156.txt new file mode 100644 index 0000000000000000000000000000000000000000..ab235f80a5fc01d04115610040b558c5e8a71231 --- /dev/null +++ b/chunks/txt/8601cb89e7e45267ac919eea744a536804a85269a755491742ad179520a80156.txt @@ -0,0 +1,96 @@ +chapter only references dwellings. + +Information that May Display in Black Tab + +When there are multiple dwellings, the Dwelling Exterior black tab provides information about the dwelling. +Examples: +• A single-family property would display “Dwelling Exterior”. + +• A 2- to 4-unit property with multiple dwellings would display “Dwelling Exterior – Building 2”, depending on + +appraiser inputs. + +o Structure Identifier is Building 2 + +Dwelling Exterior: Black Tab + +Report +Field ID + +8.000 + +Report Label + +When to Include + +Dwelling +Exterior (black +tab) + +Required if Living Units +Excluding ADUs is +more than 1 + +Allowable +Answers / Format + +Free-form + +Definition / Additional Guidance + +Structure Identifier: An identifier (building name) created by the appraiser to +differentiate among multiple dwellings on the property. Displays in a black tab +or as a report label throughout the URAR, and provides context for 2- to 4-unit +properties, particularly in the Sales Comparison Approach section. +Examples: Building 1, Building 2, Front, Rear + +Appendix F-1: URAR Reference Guide + +Page 92 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +08 Dwelling Exterior + +General Information + +Dwelling Exterior: General Information + +Report +Field ID + +8.001 + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Always required + +Number + +Subject Property +Units in +Structure + +Units in Structure: The number of separate living units in or attached to the +dwelling that are attributable to the subject property, including any accessory +dwelling units. + +Notes: +• + +• + +• + +Includes ADUs that are in dwellings. ADUs that are in outbuildings are +captured in the Outbuilding section. +This applies for the subject property only. diff --git a/chunks/txt/86039c5c79f6d259d7f2c8050f6161dfd8a9a6789b81c768f269f3eec658bc3c.txt b/chunks/txt/86039c5c79f6d259d7f2c8050f6161dfd8a9a6789b81c768f269f3eec658bc3c.txt new file mode 100644 index 0000000000000000000000000000000000000000..608332a4270a635fbeb18ad6da2487011abc810b --- /dev/null +++ b/chunks/txt/86039c5c79f6d259d7f2c8050f6161dfd8a9a6789b81c768f269f3eec658bc3c.txt @@ -0,0 +1,193 @@ +Appendix E: UCD Implementation Guide + +Page 118 of 254 + +Version 1.4 + +UID +7.073 + +7.5 + +Credit Report Fee + +7.5 + +N/A – XML + +UID +7.070 + +7.5.1 + +N/A - GSE + +Credit Report Fee +to Information, Inc. + +Uniform Closing Dataset + +7.0 Loan Costs Table + +Table 96. Services Borrower Did Not Shop For + +ID + +Form Field / Fee +Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +7.5.6 Paid by Others ($) + +FeeActualPaymentA +mount + +405.00 + +Represented as +“$405.00” on form + +N/A - GSE + +…/FEE/FEE_DETAIL + +FeePaidToType + +ThirdPartyProvider Not Shown – + +SECOND INSTANCE OF FEE + +FeeType + +CreditReportFee + +@gse:DisplayLabelT +ext + +Credit Report Fee + +ATR/QM + +ROF as “Credit +Report Fee” + +IntegratedDisclosur +eSectionType + +ServicesBorrowerDi +dNotShopFor + +Not Shown + +RegulationZPointsA +ndFeesIndicator + +true + +FullName + +Information, Inc. + +…/FEE/FEE_PAID_T +O/LEGAL_ENTITY/LE +GAL_ENTITY_DETAI +L + +7.5.3 Borrower-Paid + +Before Closing ($) + +…/FEE/FEE_PAYME +NTS/FEE_PAYMENT + +FeeActualPaymentA +mount + +29.80 + +7.5.3 Borrower-Paid + +7.5.3 + +Before Closing + +FeePaymentPaidBy +Type + +Buyer + +FeePaymentPaidOu +tsideOfClosingIndic +ator + +true + +THIRD INSTANCE OF FEE + +Not Shown – +ATR/QM + +Company name of +service provider + +Represented as +“$29.80” on form + +Represented as +Borrower-Paid +heading on form + +Represented as +Before Closing +heading on form + +N/A - GSE + +…/FEE/FEE_DETAIL + +FeePaidToType + +ThirdPartyProvider Not Shown – + +ATR/QM + +UID +7.073 + +7.5 + +Flood Certification +Fee + +7.5 + +N/A – XML + +UID +7.070 + +7.5.1 + +N/A - GSE + +Flood Certification +Fee to Info Co. + +…/FEE/FEE_PAID_T +O/LEGAL_ENTITY/LE +GAL_ENTITY_DETAI +L + +FeeType + +FloodCertification diff --git a/chunks/txt/8605234d4a34e9844fa770d293ceb5977e6a3a366b11866f985a5e64694322db.txt b/chunks/txt/8605234d4a34e9844fa770d293ceb5977e6a3a366b11866f985a5e64694322db.txt new file mode 100644 index 0000000000000000000000000000000000000000..d249e97655478ec3e40c98d2f8133d4a48a67ef9 --- /dev/null +++ b/chunks/txt/8605234d4a34e9844fa770d293ceb5977e6a3a366b11866f985a5e64694322db.txt @@ -0,0 +1,158 @@ +Appendix E: UCD Implementation Guide + +Page 91 of 254 + +Version 1.4 + +Uniform Closing Dataset + +5.0 Projected Payments Table + +5.0 Projected Payments + +5.1 Payment Calculation + +5.2 Principal & Interest + +5.3 Mortgage Insurance + +5.4 Estimated Escrow +Amount can increase over time + +5.5 Estimated Total Monthly +Payment + +5.1.1 + +5.2.1 + +5.3.1 + +5.4.1 + +5.5.1 + +Years 1 – 7 + +5.1.2 + +Years 8 – 30 + +$761.78 + +5.2.4 + +$761.78 + ++ + ++ + +82.35 + +5.3.2 + +206.13 + +5.4.2 + +$1,050.26 + +5.5.3 + ++ +-- + ++ +206.13 + +$967.91 + +Figure 61. Mortgage Insurance + +The data points needed to populate the MI row of the Projected Payments table are identified in the following +table. + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point + +MISMO v3.3.0 Value + +Notes + +Table 78. Loan Requires MI + +First Instance of PROJECTED_PAYMENT + +5.3.1 + +Years 1-7 Mortgage +Insurance ($) + +…/PROJECTED_PAYM +ENT + +ProjectedPaymentMI +PaymentAmount + +82.35 + +Reflected on form as +“82.35” + +Second Instance of PROJECTED_PAYMENT + +5.3.2 + +Years 8-30 Mortgage +Insurance ($) + +…/PROJECTED_PAYM +ENT + +ProjectedPaymentMI +PaymentAmount + +0 + +5.3 + +N/A + +…/LOAN_DETAIL + +MIRequiredIndicator true + +End of PROJECTED_PAYMENT Instances + +ROF as “—” based on +value of MI +Scheduled +Termination Date + +Not Shown – +Indicates need for +additional data +points when true + +2. MI NOT REQUI RED + +If the loan does not require MI, “0” must be displayed as the MI value for each Year Range disclosed. For +example: The following figure shows a loan with payments that do not change and no MI. + +Appendix E: UCD Implementation Guide + +Page 92 of 254 + +Version 1.4 + +Uniform Closing Dataset + +5.0 Projected Payments Table diff --git a/chunks/txt/8605d9428b1113c51e49836212b078337f066e16ce3675e1863043aa1b841afb.txt b/chunks/txt/8605d9428b1113c51e49836212b078337f066e16ce3675e1863043aa1b841afb.txt new file mode 100644 index 0000000000000000000000000000000000000000..b22eb55c89ef22e98d5a55c29e3861d388ae860e --- /dev/null +++ b/chunks/txt/8605d9428b1113c51e49836212b078337f066e16ce3675e1863043aa1b841afb.txt @@ -0,0 +1,87 @@ +Specifies the current trend of property +values in the neighborhood. + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_PropertyValue +TrendType='Stable'] + +Specifies the current trend of property +values in the neighborhood. + +/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD[@_PropertyValue +TrendType='Declining'] + +Neighborhood +Property Value +Trend Type +Neighborhood +Property Value +Trend Type +Neighborhood +Demand Supply +Type +Neighborhood +Demand Supply +Type +Neighborhood +Demand Supply +Type + +Neighborhood +Typical Marketing +Time Duration +Type + +Neighborhood +Typical Marketing +Time Duration +Type + +Neighborhood +Typical Marketing +Time Duration +Type + +Specifies the state of market demand +versus the supply of properties in the +neighborhood. +Specifies the state of market demand +versus the supply of properties in the +neighborhood. +Specifies the state of market demand +versus the supply of properties in the +neighborhood. + +Specifies the typical length of time a +property would stay on the market before +being sold in the neighborhood. + +Specifies the typical length of time a +property would stay on the market before +being sold in the neighborhood. + +Specifies the typical length of time a +property would stay on the market before +being sold in the neighborhood. + +Neighborhood +Housing Low Price +Amount +Neighborhood +Housing High +Price Amount + +The low price of the neighborhood +housing specified in Neighborhood +Housing Type. +The high price of the neighborhood +housing specified in Neighborhood +Housing Type. + +Neighborhood +Housing +Predominant Price +Amount + +The predominate price of the +neighborhood housing specified by +Neighborhood Housing Type. diff --git a/chunks/txt/86168b4e801685cf7edf378987823a0a890f2f2bab27fbd36a80db166ebacb3f.txt b/chunks/txt/86168b4e801685cf7edf378987823a0a890f2f2bab27fbd36a80db166ebacb3f.txt new file mode 100644 index 0000000000000000000000000000000000000000..f0c26bb2eed26b65b71872ddc56ab4a32a1f466a --- /dev/null +++ b/chunks/txt/86168b4e801685cf7edf378987823a0a890f2f2bab27fbd36a80db166ebacb3f.txt @@ -0,0 +1,38 @@ +If field 3-48 is populated, then this field +should be populated. + +The sum of this field 3-113 and fields (3-60, +3-62, 3-64, 3-66, 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. + +If the value of field 3-116 (Sale Price Total +Adjustment Amount) is non-zero, one and +only one of fields 3-114 or 3-115 values of +(Sales Price Total Adjustment Positive +Indicator) should be indicated. + +If the value of field 3-116 (Sale Price Total +Adjustment Amount) is non-zero, one and +only one of fields 3-114 or 3-115 values of +(Sales Price Total Adjustment Positive +Indicator) should be indicated. + +All the fields (3-60, 3-62, 3-64, 3-66, 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, 3- +113) must add up to this Net Adjustment +amount. + +Numeric + +PDF Display Format: +In percentage points (e.g. a value of 25.10 represents 25.10%), up to 2 decimal places. + +Numeric + +PDF Display Format: +In percentage points (e.g. a value of 25.10 represents 25.10%), up to 2 decimal places. diff --git a/chunks/txt/862249d126eee19a4703e235fe983abb5dd67e42e992b57970488dc7496b41ab.txt b/chunks/txt/862249d126eee19a4703e235fe983abb5dd67e42e992b57970488dc7496b41ab.txt new file mode 100644 index 0000000000000000000000000000000000000000..de88d4159e95b4eb2ac5f34963f6c084b7bc53f5 --- /dev/null +++ b/chunks/txt/862249d126eee19a4703e235fe983abb5dd67e42e992b57970488dc7496b41ab.txt @@ -0,0 +1,34 @@ +Desktop Underwriter® (DU®) Validation Service +Release Notes + +Oct. 1, 2020 + +During the weekend of Oct. 31, Fannie Mae will implement changes to validation messages as outlined below. These changes +will apply to all new casefiles created on or after Nov. 2. + +Messages pertaining to income validated by a Tax Transcript + +The display of information in the tables of some messages will be adjusted to reduce the number of rows presented. These +changes pertain to casefiles where a Tax Transcript is used to validate income. In the following scenarios, instead of displaying +two rows in the table to communicate the information, only one row will be displayed with the data combined: + + When borrowers reported Social Security or Pension income, and income is validated using a joint Tax Transcript, both + +borrowers’ names and their validated income will be displayed in a single row in the table. + + When base income is validated from a borrower’s wage employers and self-employment, the base income amount for + +both types of employers will be displayed in a single row in the table. + +Income validation enhancements + +Additional data checks will be applied to the data used in the validation of employment and income. Specifically, income from an +employer will not be validated in the following conditions: + + The verification of employment/income report indicates the borrower’s hire date is in the future. + + The borrower’s hire date on the verification of employment/income report appears to be inaccurate based on his/her + +date of birth. + + The information effective date on the verification of employment/income report is in the future. diff --git a/chunks/txt/8655e0cf7a4b51059e0331335e2a856eec6559ffc4f52f98158fa53906b0d9ea.txt b/chunks/txt/8655e0cf7a4b51059e0331335e2a856eec6559ffc4f52f98158fa53906b0d9ea.txt new file mode 100644 index 0000000000000000000000000000000000000000..7a88c85ac9f2e7de2b57df456ed8dd3eb740f5cd --- /dev/null +++ b/chunks/txt/8655e0cf7a4b51059e0331335e2a856eec6559ffc4f52f98158fa53906b0d9ea.txt @@ -0,0 +1,95 @@ +If Cooling System +Exists is Yes + +Choose one or +more allowable +answers from +table (Cooling +System Type) + +Cooling System Type +• +Centralized +• +Individual +• +Other (Describe) + +Allowable Answer + +Definition / Additional Guidance + +Cooling System Type (Choose one or more) + +Centralized + +Individual + +A system in which air is cooled at a central location and distributed to and from rooms by one or more fans and ductwork +(e.g., forced air, mini-split). + +A self-contained cooling system, mounted on a wall or in a window, designed to cool an individual room or small area (e.g., +window unit). + +Other (Describe) + +Select Other to enter an answer that is not in the above list. + +Core Heating and Other Mechanical Systems + +Dwelling Exterior: Core Heating and Other Mechanical Systems + +Report +Field ID + +8.052 + +Report Label + +When to Include + +Core Heating +System Below +Grade + +Required if Heating +System Type is not +None + +Allowable +Answers / Format + +Yes | No + +Definition / Additional Guidance + +Select Yes when at least one mechanical unit that produces heat (e.g., furnace) +is below grade, including when the heating system is shared with multiple units. +This is the main core unit that produces and distributes heat through duct work +or other means (e.g., steam or hot water). + +8.053 + +Other +Mechanical +Systems + +If applicable + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Radon Mitigation +Sump Pump + +• +• +• Water Heater +• Whole House Water Treatment +• +Note: If there are no other mechanical systems in the dwelling, do not select an +answer and Other Mechanical Systems does not display. diff --git a/chunks/txt/8680eee3ac0a6ba7b097708f36ca3ebbc3b9bac67f9f9e471a1b1c418fef5fd2.txt b/chunks/txt/8680eee3ac0a6ba7b097708f36ca3ebbc3b9bac67f9f9e471a1b1c418fef5fd2.txt new file mode 100644 index 0000000000000000000000000000000000000000..91e64a0d9aef8e8646a73110fc838ed06ac81930 --- /dev/null +++ b/chunks/txt/8680eee3ac0a6ba7b097708f36ca3ebbc3b9bac67f9f9e471a1b1c418fef5fd2.txt @@ -0,0 +1,35 @@ +© 2023 Fannie Mae. + +10.25.23 + +2 of 3 + +Gift Donors + +Selling Guide Announcement SEL-2023-08 updated our policies on personal gifts and gifts of equity to allow the seller of the +subject property to provide a gift if they are an acceptable donor and are not affiliated with another interested party to the +transaction. The gift message issued by DU will be updated to remove the reference to interested parties and remind the lender to +refer to the Selling Guide for additional information. + +Trust Income + +Selling Guide Announcement SEL-2023-08 updated our requirements related to trust income. The DU message issued when trust +income is used will be updated to refer lenders to the Selling Guide to confirm how the income must be calculated and +documented. + +Value Acceptance + Property Data + +Selling Guide Announcement SEL-2023-09 clarified that the Property Data Collection (PDC) must be completed and submitted to +the Fannie Mae Property Data API (API) prior to the note date when exercising the value acceptance + property data option. The +DU message issued when the loan is eligible for value acceptance + property data will be updated to provide the same +clarification. + +Lenders must resubmit the loan casefile to DU after the property data has been submitted to the API and receive the message +stating that the PDC has been received on the DU Underwriting Findings report in order for the loan to be eligible for sale to +Fannie Mae using the value acceptance + property data option. + +Self-Employed Borrowers + +Selling Guide Announcement SEL-2023-09 updated the DU policy that permits one year of personal and business tax returns for +self-employed borrowers. New self-employed documentation messages supporting this policy change will be issued on DU +Version 11.1 loan casefiles created on or after Jan. 1, 2024. diff --git a/chunks/txt/868df9ec0226939e8a37f74202c4faa20eaba021ba3ad9792e31e93a21a1c6b7.txt b/chunks/txt/868df9ec0226939e8a37f74202c4faa20eaba021ba3ad9792e31e93a21a1c6b7.txt new file mode 100644 index 0000000000000000000000000000000000000000..c64a6b715832d82755eec4b151c3bffd17749a04 --- /dev/null +++ b/chunks/txt/868df9ec0226939e8a37f74202c4faa20eaba021ba3ad9792e31e93a21a1c6b7.txt @@ -0,0 +1,27 @@ +• during the initial fixed-rate period, the lender shall accelerate the maturity of the mortgage note in connection with the sale or transfer, or prospective sale or + +transfer, of all or any interest in the property secured by the mortgage as described above for DOS, and; + +• after the initial fixed-rate period, the lender will permit the mortgage to be assumed by a new mortgagor as described above for Assum. + +10. Convertibility – Convert (Y or N) – This column indicates whether or not the ARM has a feature allowing the adjustable rate to convert to a fixed interest rate. + +11. Payment Due Date – ARMs accrue interest in arrears and have monthly installments that are payable on the day of each month indicated in the Matrix. All of + +Fannie Mae’s standard ARM plans require that the payment due date be the first day of each month. + +12. Subtype – Applies to MBS deliveries only. Subtypes are assigned by Fannie Mae and describe the characteristics of the applicable standard ARM plan. + +© 2021 Fannie Mae. Trademarks of Fannie Mae. +This document is incorporated by reference into the Fannie Mae Selling Guide. + +Oct 2021 + +4 of 6 + +Standard ARM Plan Matrix +This Matrix lists all standard ARM plans that are eligible for delivery to Fannie Mae. To qualify as a Fannie Mae standard ARM, the ARM must have all of the +characteristics specified in the Matrix for such plan number. + +N O T E : Texas Section 50(a)(6) loans can be commingled in MBS pools with non-Texas Section 50(a)(6) loans with the same plan number. They are +identified separately in the ARM Matrix only because they require different uniform instruments. diff --git a/chunks/txt/86a016332db9708cc7c9c977effe1854d28a9b47ac3f4175993580d539c5303c.txt b/chunks/txt/86a016332db9708cc7c9c977effe1854d28a9b47ac3f4175993580d539c5303c.txt new file mode 100644 index 0000000000000000000000000000000000000000..c7a7937fc04ad71c81cceed65914f31c858bee24 --- /dev/null +++ b/chunks/txt/86a016332db9708cc7c9c977effe1854d28a9b47ac3f4175993580d539c5303c.txt @@ -0,0 +1,70 @@ +• Columns 1 - 3 equal width: ~28 characters max per line, in each cell. + +NONCONTINUOUS FINISHED AREA TABLE + +Mechanical System Details (H1) + +Left-hand side of page - Mechanical Systems table + +• Column heads: Column 1 – none; “System,” “Detail,” set as TCH in 3 column table x 22 picas. + +• Column 1: + +5 picas wide (~20 characters max per line in each cell). + +• Column 2: + +6 picas 7 points wide (~24 characters max per line in each cell). + +• Column 3: + +10 picas 5 points wide (~42 characters max per line in each cell). + +MECHANICAL SYSTEMS TABLE + +• Content sets as TB; Row 1, Column 1 “Heating”, Row 2, Column 1 “Cooling” + +Right-hand side of page + +• + +• + +“Core Heating System Below Grade” sets as CK1, with Y/N + +“Other Mechanical Systems” sets as TXR-B, TXR + +Appendix E: Report Style Guide + +Page 44 of 90 + +Version 1.4 + +Apparent Defects, Damages, Deficiencies – (Dwelling Exterior – [Structure Identifier]) (H1) + +• + +• + +If applicable per iGuide, set “None” as TXC. + +If applicable per iGuide, the following statement sets as TXC-I x 45 picas below H1: “The items listed +below represent the As Is condition as of the effective date of this report”. + +Structure DDD table (same format as Site DDD table) + +• Column heads: “Feature,” “Location,” “Description,” “Affects Soundness or Structural + +Integrity,” “Recommended Action” set as TCH in 5 column table x 45 picas. + +• Columns 1, 2, 4, 5: 8 picas wide (~32 characters max per line in each cell). + +• Column 3: + +13 picas wide (~52 characters max per line in each cell). + +• Content sets as TB. + +DEFECTS, DAMAGES, DEFICIENCIES TABLE + +Dwelling Exterior Commentary (Dwelling Exterior – [Structure Identifier]) (H1) diff --git a/chunks/txt/86aa6d565cfa32753dd1d41b053afae9679b035cddc86d039770838e1f847e77.txt b/chunks/txt/86aa6d565cfa32753dd1d41b053afae9679b035cddc86d039770838e1f847e77.txt new file mode 100644 index 0000000000000000000000000000000000000000..b7f864675d7d47b6ec11db58cef0e21c8a83ee6b --- /dev/null +++ b/chunks/txt/86aa6d565cfa32753dd1d41b053afae9679b035cddc86d039770838e1f847e77.txt @@ -0,0 +1,5 @@ +© 2018 Fannie Mae. Trademarks of Fannie Mae. + +July 10, 2018 + +1 of 1 diff --git a/chunks/txt/86b8df01ef082627f8a984e80ab18692bd8b5ad9049ed9d284c3a262fb7d3413.txt b/chunks/txt/86b8df01ef082627f8a984e80ab18692bd8b5ad9049ed9d284c3a262fb7d3413.txt new file mode 100644 index 0000000000000000000000000000000000000000..facb7e48c3e5e32f16eb85fb01f15b590a2e63f0 --- /dev/null +++ b/chunks/txt/86b8df01ef082627f8a984e80ab18692bd8b5ad9049ed9d284c3a262fb7d3413.txt @@ -0,0 +1,81 @@ +10.024 Total Bathrooms +- Full + +Always required + +Number + +The total number of full bathrooms in the unit, including above and below +grade. +Notes: +• + +A full bathroom must at least have a sink, a toilet, and a bathtub or +shower. +If the bathroom has greater utility such as additional sinks or toilets, +address this in Unit Interior Commentary (10.061), and if market +supported, make the appropriate adjustments in the Sales Comparison +Approach. + +• + +10.025 Total Bathrooms +- Half + +Always required + +Number + +The total number of half bathrooms in the unit, including above and below +grade. +Note: A half bathroom consists of only a sink and a toilet. + +Non-Residential Use and Live/Work Space in Unit + +This subsection displays when Site Owned in Common (3.015) is Yes. +• When Site Owned in Common is No, non-residential uses are reported in the Site section (4.015-4.019 and + +4.043-4.046). + +• Commercial space in condominium, cooperative, or condop project buildings is reported in the Project + +Information section (18.069). + +Unit Interior: Non-Residential Use and Live/Work Space in Unit + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +10.026 Non-Residential + +Use in Unit + +Required if Site Owned +in Common is Yes + +Yes | No + +Indicates whether the unit contains space that is currently used for non- +residential purposes. + +10.027 + +Live/Work Space Required if Site Owned + +Yes | No + +in Common is Yes + +Indicates whether there is live/work space available within the residential unit. +A live/work unit refers to a condominium or cooperative that allows space +within the individual unit to be used jointly for non-residential and residential +purposes, as long as the primary design of the unit remains residential. diff --git a/chunks/txt/86c931ebb2bf7ebecdcf57e57b26ff5109a058ac9dd76bcbf0955958a2b44a4c.txt b/chunks/txt/86c931ebb2bf7ebecdcf57e57b26ff5109a058ac9dd76bcbf0955958a2b44a4c.txt new file mode 100644 index 0000000000000000000000000000000000000000..d55a2c9d85726c95a58cc8c2bb7000f49596bec4 --- /dev/null +++ b/chunks/txt/86c931ebb2bf7ebecdcf57e57b26ff5109a058ac9dd76bcbf0955958a2b44a4c.txt @@ -0,0 +1,35 @@ +18. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not +conditioned on any agreement or understanding, written or otherwise, that I would report (or present analysis supporting) a +predetermined specific value, a predetermined minimum value, a range or direction in value, a value that favors the cause of +any party, or the attainment of a specific result or occurrence of a specific subsequent event (such as approval of a pending +mortgage loan application). + +19. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I +relied on significant real property appraisal assistance from any individual or individuals in the performance of this appraisal +or the preparation of this appraisal report, I have named such individual(s) and disclosed the specific tasks performed in this +appraisal report. I certify that any individual so named is qualified to perform the tasks. I have not authorized anyone to make +a change to any item in this appraisal report; therefore, any change made to this appraisal is unauthorized and I will take no +responsibility for it. + +Freddie Mac Form 2055 March 2005 226 + +Page 5 of 6 + +Fannie Mae Form 2055 March 2005 + +2 + +Exterior-Only Inspection Residential Appraisal Report + +File # 3 4 4a + +20. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that +ordered and will receive this appraisal report. + +21. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the +borrower; the mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other +secondary market participants; data collection or reporting services; professional appraisal organizations; any department, +agency, or instrumentality of the United States; and any state, the District of Columbia, or other jurisdictions; without having to +obtain the appraiser’s or supervisory appraiser’s (if applicable) consent. Such consent must be obtained before this appraisal +report may be disclosed or distributed to any other party (including, but not limited to, the public through advertising, public +relations, news, sales, or other media). diff --git a/chunks/txt/86c9d8ac1d972a93ce2d1f87c7427ad8f66bbafc148ebb275756d7cc6fa9bc87.txt b/chunks/txt/86c9d8ac1d972a93ce2d1f87c7427ad8f66bbafc148ebb275756d7cc6fa9bc87.txt new file mode 100644 index 0000000000000000000000000000000000000000..909d8b51b8d8cb9d2f567e799663897876238682 --- /dev/null +++ b/chunks/txt/86c9d8ac1d972a93ce2d1f87c7427ad8f66bbafc148ebb275756d7cc6fa9bc87.txt @@ -0,0 +1,5 @@ +Unit Interior .................................................................................................................................................. 47 + +ADU Information ................................................................................................................................................. 47 + +Level and Room Detail (H2) ................................................................................................................................ 47 diff --git a/chunks/txt/86cee3cb97b22579c5d452e574d750ef9a7a7992741762b8b53d2cf5684ee36b.txt b/chunks/txt/86cee3cb97b22579c5d452e574d750ef9a7a7992741762b8b53d2cf5684ee36b.txt new file mode 100644 index 0000000000000000000000000000000000000000..fc010cc5d12a4da1e356865a35c17e1cae491c22 --- /dev/null +++ b/chunks/txt/86cee3cb97b22579c5d452e574d750ef9a7a7992741762b8b53d2cf5684ee36b.txt @@ -0,0 +1,112 @@ +Fully Updated + +Apparent Defects, Damages, Deficiencies (Unit Interior) + +None + +Unit Interior Exhibits + +Condition Comment + +Condition Status +New or Like New + +New or Like New + +New or Like New + +Level 1 - Bedroom - Primary Bedroom + +Level 1 - Bedroom - Bedroom 2 + +This is where the Bedroom photo would display. + +This is where the Bedroom photo would display. + +Level 1 - Bedroom - Bedroom 3 + +Level 1 - Bath - Full - Primary Bath + +This is where the Bedroom photo would display. + +This is where the Bath photo would display. + +Level 1 - Bath - Full - Bath 2 + +Level 1 - Dining Room + +This is where the Bath photo would display. + +This is where the Dining Room photo would display. + +Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2) + +Uniform Residential Appraisal Report + +Page 9 of 20 + +Unit Interior (continued) + +Level 1 - Kitchen - Living Room + +Functional Obsolescence + +Functional Issues + +None + +Vehicle Storage + +Storage +Driveway + +Garage + +Number of Parking Spaces +4 + +2 + +Detail +Pavers + +Attached +400 Sq. Ft. + +Apparent Defects, Damages, Deficiencies (Vehicle Storage) + +None + +Vehicle Storage Commentary + +The subject features an attached 2 car garage with electric garage door opener. + +Subject Property Amenities + +Amenity Category +Outdoor Living + +Subject Property Amenity +Patio + +Porch + +Material +Pavers + +Composite + +Detail +120 Sq. Ft. + +120 Sq. Ft. +Attached to Manufactured Home + +Apparent Defects, Damages, Deficiencies (Subject Property Amenities) + +None + +Subject Property Amenities Commentary + +The subject porch was site built at the time of installation and set-up. The dwelling was designed and constructed to accommodate the porch +and garage. The patio is free standing and not attached to the dwelling. diff --git a/chunks/txt/86d47578d658d2e9266a418dc79bfcaa59f1c4931edc8e8834e271ce61d3d9f1.txt b/chunks/txt/86d47578d658d2e9266a418dc79bfcaa59f1c4931edc8e8834e271ce61d3d9f1.txt new file mode 100644 index 0000000000000000000000000000000000000000..1f56249f04c13ea42d82e9a7b24d29b36effd32a --- /dev/null +++ b/chunks/txt/86d47578d658d2e9266a418dc79bfcaa59f1c4931edc8e8834e271ce61d3d9f1.txt @@ -0,0 +1,104 @@ +FTR + +“Subject Property” sets as TAB. + +Left-hand side of page + +• + +“Physical Address,” “County,” “Property Rights Appraised” set as TXR-B, TXR + +Appendix E: Report Style Guide + +Page 80 of 90 + +Version 1.4 + +Right-hand side of page + +• Photo of Subject Property. + +Legal Description (H1) + +• Either an image or text. + +• + +• + +Image sizes to full page width (45 picas wide). + +If text, set as TXC (Myriad Pro Regular), below the H1 x 45 picas. + +“Original Appraisal” sets as TAB. + +Left-hand side of page + +• + +“Effective Date of Appraisal,” “Opinion of Market Value,” “Reasonable Exposure Time” set as +TXR-B, TXR. + +Right-hand side of page + +• + +“Appraiser” sets as TXR-B, TXR. + +o “Reference ID” sets as TXR-I, TXR. + +• + +“Original Lender” sets as TXR-B, TXR. + +“Appraisal Update” sets as TAB. + +Left-hand side of page + +• + +“Effective Date” sets as TXR-B, TXR + +Full page width + +• + +“Yes” ”No” (Y/N) followed by “Has the market value of the subject property decreased since +the effective date of the original appraisal?” sets as CK. + +Appraisal Update Commentary (H1) + +Set Commentary as TXC x 45 picas. + +Appraisal Update Exhibits (H1) + +Subsection does not display if there are no exhibits. + +“Assignment Information” sets as TAB. + +Left-hand side of page + +• + +“Borrower Name” sets as TXR-B, TXR. + +Appendix E: Report Style Guide + +Page 81 of 90 + +Version 1.4 + +Right-hand side of page + +• + +“Appraiser Fee,” “AMC Fee,” “Government Agency,” “Investor Requested Special +Identification” set as TXR-B, TXR. + +Contact Information (H1) + +[Role]/[Role] (H2) + +[Role] is placeholder for content, as applicable. + +Left-hand side of page diff --git a/chunks/txt/86d626beb59661cb7a155ea58b262fec3b7541e760a784d9f3646a88139c18f4.txt b/chunks/txt/86d626beb59661cb7a155ea58b262fec3b7541e760a784d9f3646a88139c18f4.txt new file mode 100644 index 0000000000000000000000000000000000000000..cd9623cd2c792a515c3c6896fb00cb98f1c8e4d5 --- /dev/null +++ b/chunks/txt/86d626beb59661cb7a155ea58b262fec3b7541e760a784d9f3646a88139c18f4.txt @@ -0,0 +1,65 @@ +Reference published guidelines by the GSEs, government agencies, or other identified secondary market +participants for specific guidance. + +General Information + +Market: General Information + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +17.003 Market Area + +Always required + +Free-form + +Boundary + +Definition / Additional Guidance + +Market Area Boundary Description: Describe geographic boundaries of the +defined market area (e.g., streets, waterways, county or state lines or other +natural boundaries). The description may include north, south, east and west. +Note: A map of the market area boundaries showing Active Listings (17.005), +Pending Sales (17.010), and the Sales in Lookback Period (17.012) may be +provided, which displays in Market Exhibits. Provide a caption to label the +image, such as “Market Area Boundary Map”. + +17.004 + +Search Criteria +Description + +Always required + +Free-form + +Search Criteria Description: Describes all of the search criteria used to identify +specific properties within the defined market area boundaries. + +Note: An image of the search criteria (such as a screen shot of the MLS search +screen) may be provided, which display in Market Exhibits. Provide a caption to +label the image, such as “Search Criteria”. + +Search Result Metrics + +This subsection reflects properties in the defined market area that directly compete with the subject. + +Active Listings + +This subsection is for active listings only. Do not include properties that are under contract (pending sales) in +these metrics. + +Appendix F-1: URAR Reference Guide + +Page 177 of 375 + +Version 1.3 diff --git a/chunks/txt/86d7889ddfefc1474823f532199250ee0d4fd4f2752921b078b8ee7b13014a2a.txt b/chunks/txt/86d7889ddfefc1474823f532199250ee0d4fd4f2752921b078b8ee7b13014a2a.txt new file mode 100644 index 0000000000000000000000000000000000000000..c3233b021a9dbab921b74a191e67da9918664851 --- /dev/null +++ b/chunks/txt/86d7889ddfefc1474823f532199250ee0d4fd4f2752921b078b8ee7b13014a2a.txt @@ -0,0 +1,39 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +# FHFA AI Compliance Plan + +## Breadcrumb + +- [Home](/) + - [Reports](/reports) + - FHFA AI Compliance Plan + +The FHFA AI Compliance Plan outlines how FHFA will comply and achieve consistency with OMB Memorandum M-24-10 to ensure the responsible and ethical use of AI within the Agency while advancing and remaining in alignment with our mission to ensure that Fannie Mae and Freddie Mac (the “Enterprises”) and the FHLBanks (together, "the regulated entities") fulfill their own missions by operating in a safe and sound manner to serve as a reliable source of liquidity and funding for housing finance and community investment. It contains the information required to satisfy Section 3(a)(iii) of OMB Memorandum M-24-10 and Section 104(c) of the AI in Government Act. diff --git a/chunks/txt/86e47b1d327caaf657bdbdda7be00e06f3fb01c6ab0252fc22e57e969ade3428.txt b/chunks/txt/86e47b1d327caaf657bdbdda7be00e06f3fb01c6ab0252fc22e57e969ade3428.txt new file mode 100644 index 0000000000000000000000000000000000000000..7cc4a8bfcda40454f319a1fb0b3fdbd72d693c9e --- /dev/null +++ b/chunks/txt/86e47b1d327caaf657bdbdda7be00e06f3fb01c6ab0252fc22e57e969ade3428.txt @@ -0,0 +1,96 @@ +8.1.1 $ + +8.2.3 $ +8.3.3 $ + +8.4.1 $ + +8.5.3 $ +8.6.3 $ +8.7.3 $ +8.8.3 $ +8.9.3 $ + +8.10.1 $ + +8.2.6 $ +8.3.6 $ + +8.5.6 $ +8.6.6 $ +8.7.6 $ +8.8.6 $ +8.9.6 $ + +8.11.6 $ +8.12.6 $ +8.13.6 $ +8.14.6 $ + +8.15 Aggregate Adjustment +8.16 H. Other +8.17 Fee Item + +8.17.1 to Payee Type & Name + +8.17.2 $ + +8.17.3 $ + +8.17.6 $ + +8.15.2 -$ + +8.16.1 $ + +8.18 I. TOTAL OTHER COSTS (Borrower-Paid) +8.19 Other Costs Subtotals (E + F + G + H) + +9.1 J. TOTAL CLOSING COSTS (Borrower-Paid) +9.2 Closing Costs Subtotals (D + I) +9.3 Lender Credits + +9.3.1 Tolerance Cure $ + +8.19.2 $ + +9.2.2 $ +9.3.2 -$ + +8.18.1 $ + +8.19.3 $ + +9.1.1 $ + +9.2.3 $ + +9.2.6 $ + +CLOSING DISCLOSURE + +PAGE 2 OF 5 ▪ LOAN ID # + +Uniform Closing Dataset v2.0 + +Numbered Alternate Disclosure + +Payoffs and Payments + +25.0 Use this table to see a summary of your payoffs and payments to others from your loan amount. + +TO +25.1 Identification of Liability Item Payoff or Closing Adjustment Item along with Payor and Payee + +AMOUNT +25.1.1 + +25.2 K. TOTAL PAYOFFS AND PAYMENTS + +25.2.1 + +Calculating Cash to Close + +10.0 Use this table to see what has changed from your Loan Estimate. + +$ diff --git a/chunks/txt/86e5522bbcbd3686258b19faf4966691bdccb6eb223e19ff6d5dc8b9e52df21f.txt b/chunks/txt/86e5522bbcbd3686258b19faf4966691bdccb6eb223e19ff6d5dc8b9e52df21f.txt new file mode 100644 index 0000000000000000000000000000000000000000..f8600d618ad35556a38d01391fea33e91e099caf --- /dev/null +++ b/chunks/txt/86e5522bbcbd3686258b19faf4966691bdccb6eb223e19ff6d5dc8b9e52df21f.txt @@ -0,0 +1,28 @@ +Social Security Number Message Retirement + +In 2011 the Social Security Administration changed the way Social Security numbers (SSNs) are issued by implementing a process +known as "randomization." As a result, the DU message that stated that the SSN “has not been issued or was recently issued” was +moved to an Observation message in 2019. Since more time has passed using randomization to issue SSNs, and more SSNs have +been issued using randomization, this message will now be retired. + +Note: Though this specific DU message will no longer be issued, the lender remains responsible for the accuracy of the +borrower SSN. Refer to section B2-2-01, General Borrower Eligibility Requirements of the Selling Guide for additional +information. + +Liability Payment includes Taxes and Insurance Indicator + +An indicator was added with the redesigned URLA to specify if the disclosed liability payment also includes the taxes and +insurance for the property. This indicator is set using the “Total includes taxes and/or insurance” checkbox in the Mortgage Loans +on Property section of the Real Estate section of the Desktop Originator® (DO®)/DU User Interface. When the indicator is provided +as True, the Monthly Insurance, Taxes, Association Dues, etc. provided separately on the loan application will no longer be +included in the total monthly expenses for the property. + +Updates to Align with the Selling Guide + +Limited Cash-Out Refinance Transactions + +Selling Guide Announcement SEL-2023-06 revised the eligibility requirements for limited cash-out refinances to stipulate that at +least one borrower on the new loan must be a current owner of the subject property (on title) at the time of the initial loan +application. The message issued on all limited cash-out refinance transactions will be updated to remind lenders of this +requirement, and to remind lenders that if the property is currently listed for sale, it must be taken off the market on or before the +disbursement date of the new mortgage loan. diff --git a/chunks/txt/86e6a17f8afbaf9f94049155ea756cae2614fa63c8330eea72e8101583c37d29.txt b/chunks/txt/86e6a17f8afbaf9f94049155ea756cae2614fa63c8330eea72e8101583c37d29.txt new file mode 100644 index 0000000000000000000000000000000000000000..5686b4cc0eb1551350a1ae4b7398d4b6dabb8fbf --- /dev/null +++ b/chunks/txt/86e6a17f8afbaf9f94049155ea756cae2614fa63c8330eea72e8101583c37d29.txt @@ -0,0 +1,126 @@ +designed. +Examples: +• +• +• +• Windows: Broken or missing panes. + +Exterior Walls and Trim: Damaged or missing siding or trim that allows weather intrusion. +Foundation: Damaged or failing foundation. +Roof: Active roof leaks. + +Note: If this answer is selected, individual damages and structural issues must be reported in the Apparent Defects, +Damages, and Deficiencies (Dwelling Exterior) subsection. + +Appendix F-1: URAR Reference Guide + +Page 103 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +08 Dwelling Exterior + +Exterior Walls and Trim + +The Exterior Walls and Trim row always displays in the Exterior Features table. + +Dwelling Exterior: Quality and Condition - Exterior Features - Exterior Walls and Trim + +Report +Field ID + +Report Label + +When to Include + +8.025 + +Detail + +Always required + +Allowable +Answers / Format + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Definition / Additional Guidance + +Exterior Wall Material: The type of wall material used for the structure. May be +commonly referred to as siding. +• +Adobe +• +Aluminum +• +Asbestos +• +Brick +• +Cement Board +• +Concrete Block +• +Engineered Wood +• +Glass +• +Log +• +Poured Concrete +• +Steel +• +Stone +• +Stucco +• +Synthetic Stone +• +Synthetic Stucco +• +Vinyl +• Wood +• + +Other (Describe) + +8.027 + +Condition Status Always required + +Choose an +allowable answer +from table +(Exterior Feature +Condition Status) + +Exterior Walls and Trim Condition Status: The condition status of the exterior +walls and trim. +• +• +• +• + +New or Like New +Typical Wear and Tear +Damaged and Functional +Damaged and Nonfunctional + +Notes: +• + +If there are varying condition statuses for the exterior walls and trim, +choose the one that best explains the Exterior Condition Rating. +Condition Status reflects the required repairs, inspections, or completions +as if they were completed. The current condition is noted in the Apparent +Defects, Damages, and Deficiencies (Dwelling Exterior) subsection. +Individual damages must be reported in the Apparent Defects, Damages, +and Deficiencies (Dwelling Exterior) subsection. diff --git a/chunks/txt/86ec0a2e446db75a19908f3cae7a021fae51ef952272d292f75d6b06cc72ffbb.txt b/chunks/txt/86ec0a2e446db75a19908f3cae7a021fae51ef952272d292f75d6b06cc72ffbb.txt new file mode 100644 index 0000000000000000000000000000000000000000..67b6ee923f35b70a0a40a6d6d474f15db96b98b5 --- /dev/null +++ b/chunks/txt/86ec0a2e446db75a19908f3cae7a021fae51ef952272d292f75d6b06cc72ffbb.txt @@ -0,0 +1,238 @@ +Rowhouse/Townhouse + +Townhouse End Unit + +Townhouse Back to Back + +Yes + +No + +Townhouse Location + +No Units Above/Below + +Rowhouse/ +Townhouse + +Yes + +No + +No Units +Above/Below + +Rowhouse/ +Townhouse + +$10,000 + +No + +No + +No Units +Above/Below + +2016 + +Rowhouse/ +Townhouse + +$10,000 + +No + +No + +Bottom Unit + +$0 + +Heating + +Forced Warm Air | Natural Gas + +Forced Warm Air + +Forced Warm Air + +Forced Warm Air + +Unit(s) + +Bedrooms + +Baths - Full | Half + +Finished Area Above Grade + +Finished Area Below Grade + +Unfinished Area +Below Grade + +5 + +4 | 1 + +5 + +4 | 1 + +3,308 Sq. Ft. + +3,272 Sq. Ft. + +720 Sq. Ft. + +72 Sq. Ft. + +620 Sq. Ft. + +72 Sq. Ft. + +Quality and Condition (Ratings: 1-6, 1 is highest) + +Exterior Quality and Condition + +Quality + +Exterior Walls and Trim + +Condition + +Interior Quality and Condition + +Quality + +Condition + +Q3 + +Brick | Wood + +C3 + +Q2 + +C3 + +4 + +4 | 1 + +$0 + +4 + +3 | 2 + +1,992 Sq. Ft. + +$98,700 + +3,442 Sq. Ft. + +$0 + +$5,000 + +$0 + +300 Sq. Ft. + +$8,400 + +420 Sq. Ft. + +$6,000 + +100 Sq. Ft. + +$0 + +272 Sq. Ft. + +$0 + +Q3 + +Q3 + +$0 + +$0 + +Q3 + +Brick | Wood + +Brick | Cement Board + +Brick | Cement Board + +C3 + +Q2 + +C3 + +C3 + +Q2 + +C3 + +C3 + +Q3 + +C3 + +Overall Quality and Condition (Ratings: 1-6, 1 is highest) + +Quality + +Condition + +Q3 + +C3 + +Q3 + +C3 + +Q3 + +C3 + +Q3 + +C3 + +Appraiser Reference ID LN1265431Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2) + +Uniform Residential Appraisal Report + +Page 14 of 22 + +Sales Comparison Approach (continued) + +Subject Property + +Comparable #1 + +Comparable #2 + +Comparable #3 + +1234 Anywhere Pl +Anywhere, MD 20854 + +6543 Anywhere Pl +Anywhere, MD 20854 + +3245 Nowhere Pl +Anywhere, MD 20854 diff --git a/chunks/txt/86fc3c21a241906e64467b661c11ce96866eabf246fb4a5c5f6c0243b067a4b0.txt b/chunks/txt/86fc3c21a241906e64467b661c11ce96866eabf246fb4a5c5f6c0243b067a4b0.txt new file mode 100644 index 0000000000000000000000000000000000000000..fd26577b2c9fa77a07d7dcc035a19829244e7d7d --- /dev/null +++ b/chunks/txt/86fc3c21a241906e64467b661c11ce96866eabf246fb4a5c5f6c0243b067a4b0.txt @@ -0,0 +1,3 @@ +Supervisory Appraiser ................................................................................................................................................................................................ 48 + +SIGNATORY to ROLE ............................................................................................................................................................................................................. 49 diff --git a/chunks/txt/8701e62cd0817c744b6b42e54353161c28029e5ac5b0b5b6d2e585a63214312e.txt b/chunks/txt/8701e62cd0817c744b6b42e54353161c28029e5ac5b0b5b6d2e585a63214312e.txt new file mode 100644 index 0000000000000000000000000000000000000000..8fc4f81ea73abce72b1a9aa4b10e99a2ada100a7 --- /dev/null +++ b/chunks/txt/8701e62cd0817c744b6b42e54353161c28029e5ac5b0b5b6d2e585a63214312e.txt @@ -0,0 +1,174 @@ +Data Field +Conditionality + +1 + +N/A + +N/A + +N/A + +N/A + +Appraisal Form +Type + +Specifies the appraisal form used to report +the valuation. + +/VALUATION_RESPONSE/REPORT/@AppraisalFormType + +10 + +Enumerated + +N/A + +N/A + +N/A + +N/A + +Embedded File + +N/A + +/VALUATION_RESPONSE/REPORT/EMBEDDED_FILE/DOCUMENT + +N/A + +2 + +3 + +4 + +HEADER + +BLANK + +HEADER + +File # + +HEADER + +BLANK + +Report Title +Description + +Appraiser File +Identifier + +Appraiser +Additional File +Identifier Name + +Used to specify the title of a report. + +/VALUATION_RESPONSE/REPORT/@_TitleDescription + +This is an identifier or number used by +the appraiser to identify their reports. It is +generally specific to the appraiser. + +Secondary report identifier used by the +appraiser to identify appraisal reports. +This field may carry the FHA number, +case number, loan number or some other +identifier. + +/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier + +/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifierName + +4a + +HEADER + +BLANK + +Appraiser +Additional File +Identifier + +Used to indicate by name the type of +identifier represented by +AppraisersAdditionalFileIdentifier. + +/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier + +SUBJECT + +Property Address + +Property Street +Address + +The unstructured (Unparsed) street +address of the subject property (e.g., 123 +Main Street). + +/VALUATION_RESPONSE/PROPERTY/@_StreetAddress + +2 + +3 + +4 + +5 + +6 + +7 + +8 + +9 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +6 + +7 + +8 + +SUBJECT + +Unit # + +Unit Identifier + +The identification of the unit. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/_UNIT/@UnitIdentifier + +12 + +String + +SUBJECT + +City + +Property City + +The city in which the subject property is +located. diff --git a/chunks/txt/870829c6426eec6fe6129282555d797361cff9f39e35448f7c13cfef588e2062.txt b/chunks/txt/870829c6426eec6fe6129282555d797361cff9f39e35448f7c13cfef588e2062.txt new file mode 100644 index 0000000000000000000000000000000000000000..bd93333271483c2d114a54e0209dc0a536196e0f --- /dev/null +++ b/chunks/txt/870829c6426eec6fe6129282555d797361cff9f39e35448f7c13cfef588e2062.txt @@ -0,0 +1,45 @@ +Jul 21, +2025 + +New MBS Pool +status + +Loan Delivery will expand the current pool statuses to include two new statuses to indicate a +pool is pending processing. Pending status occurs when changes are made after hours, from +8:30pm ET to 7:30am ET Monday through Friday, including weekends and holidays. + +Jul 28, +2025 + +ULDD Ph 5 + +Updates + +• + +Close Pending - Pool is certified, Loan Delivery ran an edit review after +certification/data changes, and no issues were identified. Pool is awaiting final edit +review and system close activities to be performed during business hours. +• Reclose Pending - After pool closing, data changes were made, saved, and + +submitted. Loan Delivery ran a final edit review, and no issues were identified. Pool +is awaiting final system reclose activities to be performed during business hours. + +• All loans with an Application Received Date on/after March 3, 2025, must meet ULDD + +• + +Phase 5 requirements. +Edits enforcing the ULDD Phase 5 data collection requirements will transition to fatal +on July 28, 2025, for loans with an application received date on/after March 3, 2025. +• See the Loan Delivery Business Rules for a listing of edits, users can filter on the Sub- +category (Column J) and search ULDD Ph. 5. These edits are available in the Loan +Delivery Test Environment with a severity of Fatal to accommodate lender testing. + +For more information, see the ULDD Phase 5 Implementation Considerations & the ULDD +Phase 5 Resources Document, both of which can be found on our ULDD Website. + +Jul 28, +2025 + +Edit Updates See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing diff --git a/chunks/txt/8716b80800e5468363aefa809b5678e15b906e017aea7ce07883c9d4450b7a2b.txt b/chunks/txt/8716b80800e5468363aefa809b5678e15b906e017aea7ce07883c9d4450b7a2b.txt new file mode 100644 index 0000000000000000000000000000000000000000..40ecfd226468fcfa5cc3c4fccb08b2f5889dc422 --- /dev/null +++ b/chunks/txt/8716b80800e5468363aefa809b5678e15b906e017aea7ce07883c9d4450b7a2b.txt @@ -0,0 +1,21 @@ +Uniform data requirements support improved quality and accuracy of the data while preserving each +GSE’s ability to determine what the data means to loan performance and loan quality in their individual +businesses. The GSEs continue to exercise independent business judgment in evaluating, adopting, and +maintaining business terms, credit policies, and analytics that are part of our individual customer +relationships. Differences remain due to our unique business policies, mortgage products, and processes. +The existence of the Uniform Loan Delivery Dataset helps both sellers and the GSEs manage risk +through efficient collection and use of consistent information about loan terms, collateral, and borrowers. + +2. Implementation Guide Overview +The Implementation Guide is designed to assist industry participants implement the MISMO Version 3.0 +Reference Model in their loan delivery applications to meet Fannie Mae’s requirement for submitting single- +family loan delivery data in the MISMO XML file format. + +The basic loan delivery XML file supported by each GSE was originally documented in the Uniform Loan +Delivery Data Specification (ULDDS), where the differences in the data conditionality and/or supported +enumerated values based on each GSE’s credit policy and delivery eligibility requirements were +highlighted. Due to the differences in how each GSE’s loan delivery application supports data points and +enumerated values, the ULDDS was discontinued and each GSE maintains GSE specific Implementation +Guides. This Implementation Guide is specific to Fannie Mae’s implementation of the ULDD and +requirements for submitting loan delivery data in the MISMO file format to Fannie Mae’s Loan Delivery +application. diff --git a/chunks/txt/871a3fd78724ca401abefe077fa616ea479be4a5bc7586372691dc8f0f1be962.txt b/chunks/txt/871a3fd78724ca401abefe077fa616ea479be4a5bc7586372691dc8f0f1be962.txt new file mode 100644 index 0000000000000000000000000000000000000000..0122d529bcea34e98aab956cc23483a97f8c7a4e --- /dev/null +++ b/chunks/txt/871a3fd78724ca401abefe077fa616ea479be4a5bc7586372691dc8f0f1be962.txt @@ -0,0 +1,144 @@ +1. ONE PAYMENT PER YEAR RANGE + +Figure 65 illustrates the Estimated Total Monthly Payment when the payment does not increase during the +Year Range. + +5.0 Projected Payments + +5.1 Payment Calculation + +5.1.1 Years 1 – 7 + +5.1.2 Years 8 – 30 + +5.2 Principal & Interest +5.3 Mortgage Insurance +5.4 Estimated Escrow +Amount can increase over time + +5.5 Estimated Total +Monthly Payment + +5.2.1 + +5.3.1 + +5.4.1 + +5.5.2 + +$761.78 +82.35 + ++ + ++ + +206.13 + +$1,050.26 + +5.2.4 + +5.3.2 + +5.4.2 + +5.5.4 + +$761.78 + ++ + +-- + ++ 206.13 + +$967.91 + +Figure 65. Estimated Total Monthly Payments + +The supporting data points are in the table below. + +Table 82. Estimated Total Monthly Payments + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point + +MISMO v3.3.0 Value + +Notes + +First Instance of PROJECTED_PAYMENT + +5.5 + +Estimated Total ___ +Payment ($) + +…/PROJECTED_PAYM +ENT + +PaymentFrequencyTy +pe + +Monthly + +ROF as “Monthly” + +5.5.2 Years 1 – 7 Estimated +Total Monthly +Payment ($) + +…/PROJECTED_PAYM +ENT + +ProjectedPaymentEst +imatedTotalMaximu +mPaymentAmount + +1050.26 + +ROF as “$1,050.26” + +Second Instance of PROJECTED_PAYMENT + +5.5.4 Years 8 – 30 + +Estimated Total +Monthly Payment ($) + +…/PROJECTED_PAYM +ENT + +ProjectedPaymentEst +imatedTotalMaximu +mPaymentAmount + +967.91 + +ROF as “$967.91” + +2. PAYMENT RANGE WI THI N A YEAR RANGE + +If the Principal & Interest payment is expressed as a range (Figure 57), then the Estimated Total Monthly +Payments will also be expressed as a range as shown below in Figure 66. + +Appendix E: UCD Implementation Guide + +Page 96 of 254 + +Version 1.4 + +Uniform Closing Dataset + +5.0 Projected Payments Table + +5.0 Projected Payments diff --git a/chunks/txt/8722d31d5de02d015355353528bd8a064b3351c4288ef453f0da2ee274fa4c9c.txt b/chunks/txt/8722d31d5de02d015355353528bd8a064b3351c4288ef453f0da2ee274fa4c9c.txt new file mode 100644 index 0000000000000000000000000000000000000000..a343a6dfcad7a98807b2f6e7b237774df2a2d17b --- /dev/null +++ b/chunks/txt/8722d31d5de02d015355353528bd8a064b3351c4288ef453f0da2ee274fa4c9c.txt @@ -0,0 +1,93 @@ +© 2021 Fannie Mae. Trademarks of Fannie Mae. +This document is incorporated by reference into the Fannie Mae Selling Guide. + +Oct 2021 + +1 of 6 + +Matrix Abbreviations +The following abbreviations are used throughout the Matrix. + +Abbreviation + +Adj + +Convert + +Freq + +IFRP + +IMIR + +Int + +IR + +LB + +N/A + +Orig + +Per + +PMIR + +Pmt + +Round + +Subseq + +Meaning + +Adjustment + +Convertible + +Frequency + +Same as the Initial Fixed-Rate Period + +Initial Mortgage Interest Rate + +Interest + +Interest Rate + +Look-back + +Not Applicable + +Original + +Period + +Prior Month’s Interest Rate + +Payment + +Rounding + +Subsequent + +© 2021 Fannie Mae. Trademarks of Fannie Mae. +This document is incorporated by reference into the Fannie Mae Selling Guide. + +Oct 2021 + +2 of 6 + +Column Heading Descriptions + +1. Plan Number – ARM plan numbers are assigned by Fannie Mae. + +2. Fannie Mae Uniform Instrument Note/Rider Form Reference – Each ARM must be documented with the version of the indicated Fannie Mae uniform + +note/rider form in effect at the time of execution of the note, or with a mortgage note form that does not contain any provision that is materially different from +the terms set forth in the indicated Fannie Mae uniform note/rider form. To the extent that the Fannie Mae uniform note/rider form indicated in the column is not +used or the lender uses any other nonstandard documents, the lender is subject to the terms and conditions of the Selling Guide’s representations and +warranties, including, without limitation, the Document Warranties provisions in A2-2-03. Without limiting the above, the mortgage note must provide for +payment of installments on a monthly basis, with the interest portion of each payment being determined based on a 360-day year and by computing 30 days’ +interest on the outstanding principal balance of the mortgage loan as of the scheduled installment due date. diff --git a/chunks/txt/8723e07202575e38edc3b6cd575701c805e8cc7b67fbe1be0bdb93fc33204e53.txt b/chunks/txt/8723e07202575e38edc3b6cd575701c805e8cc7b67fbe1be0bdb93fc33204e53.txt new file mode 100644 index 0000000000000000000000000000000000000000..d377a1fe4a71a0a8f5fa754f17a54c72acde9d41 --- /dev/null +++ b/chunks/txt/8723e07202575e38edc3b6cd575701c805e8cc7b67fbe1be0bdb93fc33204e53.txt @@ -0,0 +1,100 @@ +Credentials + +04.018 + +Level + +2200.0100 AppraiserLicenseType + +Always displays + +Always displays + +04.019 + +ID + +2200.0103 LicenseIdentifier + +04.020 + +State + +2200.0104 LicenseIssuingAuthorityStateCode + +04.021 + +Expires + +2200.0102 LicenseExpirationDate + +04.022 ASC Identifier + +2400.0443 AppraisalSubCommitteeAppraiserIdentifier + +04.023 VA Appraiser ID + +04.024 + +FHA Appraiser ID + +2400.0447 +2400.0446 + +AgencyAppraiserIdentifierType +AgencyAppraiserIdentifier + +2400.0447 +2400.0446 + +AgencyAppraiserIdentifierType +AgencyAppraiserIdentifier + +04.025 + +Employment +Type + +2400.0445 AppraiserEmploymentType + +Required when AppraiserLicenseType <> “None” +When not provided, do not display report label. + +Required when AppraiserLicenseType <> “None” +When not provided, do not display report label. + +Required when AppraiserLicenseType <> “None” +When not provided, do not display report label + +Display when provided. +When not provided, do not display report label. + +Display “VA Appraiser ID” when +GovernmentAgencyAppraisalType = "VA" + +Display “FHA Appraiser ID” when +GovernmentAgencyAppraisalType ="FHA" + +Display when GovernmentAgencyAppraisalType = "VA" +Always displays report label when +GovernmentAgencyAppraisalType = “VA” + +Supervisory Appraiser + +Information about the Supervisory Appraiser, PartyRoleType (UID: 2200.0116, FID: Not on report) = “AppraiserSupervisor” displays when provided. If +there is no Supervisory Appraiser, the subsection does not display. + +Page 31 + +Assignment Information: Contact Information – Supervisory Appraiser + +Report +Field ID + +Report Label + +Unique ID MISMO Data Point Name + +04.026 Name + +2200.0106 FirstName diff --git a/chunks/txt/87274f9a8547a4d013db12d743a5b36a16de4302b70ec7c79d3318fcfd4a847c.txt b/chunks/txt/87274f9a8547a4d013db12d743a5b36a16de4302b70ec7c79d3318fcfd4a847c.txt new file mode 100644 index 0000000000000000000000000000000000000000..ede8dbc0968f513cb86a81f8b82274578f8eac05 --- /dev/null +++ b/chunks/txt/87274f9a8547a4d013db12d743a5b36a16de4302b70ec7c79d3318fcfd4a847c.txt @@ -0,0 +1,118 @@ +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Intended Users + +FHA and the +Mortgagee … + +Predefined text that +displays when +Government Agency +Type 04.004 is FHA + +05.009 The USDA and … Predefined text that + +05.009 The VA … + +Not on +Report + +This is an +appraiser input +that does not +display + +05.046 +05.010 + +N/A + +displays when +Government Agency +Type 04.004 is USDA + +Predefined text that +displays when +Government Agency +Type 04.004 is VA + +Always required + +Yes | No + +Additional Intended Users +Indicates whether there are additional intended users beyond the predefined +text. + +Displays when +Additional Intended +Users is Yes + +Free-form + +Additional Intended Users Text +Note: Additional Intended User(s) cannot be contrary to, and should not +repeat, the predefined intended user text. + +Appendix F-2: Appraisal Update Report Reference Guide + +Page 23 of 28 + +Version 1.3 + +Uniform Appraisal Dataset + +05 Certifications and Scope of Work + +Appraiser Certifications + +The Appraiser Certifications subsection always displays. + +Cert 10 (Subject Property Inspection by Appraiser) + +The appraiser must identify the extent of their inspection scope of work, which determines which of three +predefined versions of Cert 10 displays. + +Appraiser Certifications: Cert 10 (Subject Property Inspection by Appraiser) + +Report +Field ID + +Report Label + +When to Include + +05.021 This is an + +Always required + +appraiser input +that does not +display + +Allowable +Answers / Format + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Definition / Additional Guidance + +Appraiser Subject Property Inspection +The inspection attestation included by the appraiser in the valuation +certifications for the assignment. Determines which predefined version of Cert +10 displays. +• +• +• diff --git a/chunks/txt/872a30c69cf2a1d0699b0869dba8df6ab329f7aaa0aaa180d37594c934005dd7.txt b/chunks/txt/872a30c69cf2a1d0699b0869dba8df6ab329f7aaa0aaa180d37594c934005dd7.txt new file mode 100644 index 0000000000000000000000000000000000000000..09eaf276828ad13b866af298a867e0e9dd636fa7 --- /dev/null +++ b/chunks/txt/872a30c69cf2a1d0699b0869dba8df6ab329f7aaa0aaa180d37594c934005dd7.txt @@ -0,0 +1,93 @@ +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073/465 + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075/466 + +• Q1 + +• Q2 + +• Q3 + +• Q4 + +• Q5 + +• Q6 + +The definitions for the quality ratings are +provided in Exhibit 1. + +Reporting Format: +Quality of Construction – Appraiser must +select one value from the specified list + +Page 44 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +• 1004/70 + +INSTRUCTION + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +Design (Style) +The appraiser should describe the +architectural design for the subject and each +comparable property. In addition, they should +provide the attachment type and the number +of stories. + +Reporting Format: +The Attachment Type – The appraiser should +select one value from the specified list below: + +Number of Stories – The appraiser should +enter a number up to 2 decimal places. +Description of Style – The appraiser should +enter a brief description of the style of the +property. +The PDF creator should display the input in +the specified order. For Number of Stories, +only display a number after the decimal point +if it exceeds zero. There should be no spaces +before or after the semicolon. The maximum +number of characters permitted before the +semicolon is 6. + +AT + +DT + +SD + +Attached Structure, +use for row and +townhomes that share +multiple communal +walls diff --git a/chunks/txt/877862c20c80ac16423f3723e8d0fc270e00d57287861edc119dd9800b44aaee.txt b/chunks/txt/877862c20c80ac16423f3723e8d0fc270e00d57287861edc119dd9800b44aaee.txt new file mode 100644 index 0000000000000000000000000000000000000000..85fa4d006d93563b49b4b2bc6144285522b54bce --- /dev/null +++ b/chunks/txt/877862c20c80ac16423f3723e8d0fc270e00d57287861edc119dd9800b44aaee.txt @@ -0,0 +1,64 @@ +Display Rules + +Always displays + +Always displays + +Always displays + +Always displays + +Display when +ValuationReportInspectionCertificat +ionType = “InteriorAndExterior” + +Display when +ValuationReportInspectionCertificat +ionType = “Exterior” + +Display when +ValuationReportInspectionCertificat +ionType = “NoPhysicalInspection” + +Always displays + +Always displays + +Report +Field ID + +Cert # + +Certifications Text + +Appraiser Certifications + +05.024 + +13 + +I personally prepared all conclusions and opinions about the real estate that were set +forth in this appraisal report. No one provided significant real property appraisal +assistance. + +I personally prepared conclusions and opinions about the real estate that were set forth +in this appraisal report. [Contact Name(s)] provided significant real property appraisal +assistance in the development of this report. I certify that any individual so named is +qualified to perform the assistance. + +05.025 + +13 + +[Contact Name(s)] + +If this report was transmitted as an “electronic record” containing my “electronic +signature,” as those terms are defined in applicable federal and/or state laws (excluding +audio and video recordings), or a facsimile transmission of this report containing a copy +or representation of my signature, I agree that my electronic signature has the same +force and effect as my manual handwritten signature, and that the report is enforceable +and valid as a paper version of this report would be if delivered containing my manual +handwritten signature. + +I have not performed any service regarding the subject property within the three years +preceding the agreement to perform this assignment. diff --git a/chunks/txt/8778acbdbc9e888e704855875e3d36acf15b07697636f73f68ebc664b0d956cf.txt b/chunks/txt/8778acbdbc9e888e704855875e3d36acf15b07697636f73f68ebc664b0d956cf.txt new file mode 100644 index 0000000000000000000000000000000000000000..6d178820a8a27f2d27282b55554ea1eb7fc4f032 --- /dev/null +++ b/chunks/txt/8778acbdbc9e888e704855875e3d36acf15b07697636f73f68ebc664b0d956cf.txt @@ -0,0 +1,84 @@ +Property Street +Address + +The unstructured (Unparsed) street +address of the subject property (e.g., 123 +Main Street). + +/VALUATION_RESPONSE/PROPERTY/@_StreetAddress + +45 + +String + +474 + +6 + +20a + +APPRAISER +CERTIFICATION + +Address of Property Appraised +City,State,Zip + +Property City + +The city in which the subject property is +located. + +/VALUATION_RESPONSE/PROPERTY/@_City + +40 + +String + +475 + +6 + +20b + +APPRAISER +CERTIFICATION + +Address of Property Appraised +City,State,Zip + +Property State + +The state in which the subject property is +located. + +/VALUATION_RESPONSE/PROPERTY/@_State + +2 + +String + +PDF Display Format: +mm/dd/yyyy +UAD Requirement - Refer to Appendix D Subject Section +Must conform to USPS (Pub 28). Note: This data is referenced more than once on +the form (field 1-6, 2-11, 6-19), and must be represented consistently. + +The following address elements should be included in this field: +• Street number +• Street name (including applicable pre-directional indicator, suffix, and/or post- +directional indicator) +• Address unit designator and number (if applicable) +UAD Requirement - Refer to Appendix D Subject Section +Must conform to USPS (Pub 28). The following address element must be included +in this field: +· City +This data is referenced more than once on the form (fields 1-7, 2-12a, 6-20a) and +must be represented consistently. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. +UAD Requirement - Refer to Appendix D Subject Section +Must conform to USPS (Pub 28). The following address element must be included +in this field: +· USPS two-letter state or territory representation +This data is referenced more than once on the form (fields 1-8, 2-12b, 6-20b), and +must be represented consistently. diff --git a/chunks/txt/878204d67f304da4480bca8bba827b5dab31de8f0acfef163087ae694ef09884.txt b/chunks/txt/878204d67f304da4480bca8bba827b5dab31de8f0acfef163087ae694ef09884.txt new file mode 100644 index 0000000000000000000000000000000000000000..142e597e92a160f9a13bd21972aab36f650905af --- /dev/null +++ b/chunks/txt/878204d67f304da4480bca8bba827b5dab31de8f0acfef163087ae694ef09884.txt @@ -0,0 +1,5 @@ +©2026 Fannie Mae. + +1.7.26 + +2 of 2 diff --git a/chunks/txt/87a4fb7207166a27c9889c03975cddb630b309c71b03f0b10abbfee1bfe22484.txt b/chunks/txt/87a4fb7207166a27c9889c03975cddb630b309c71b03f0b10abbfee1bfe22484.txt new file mode 100644 index 0000000000000000000000000000000000000000..0d71f540a5fe60e8a9248d58ca8a0d17e38f1e5b --- /dev/null +++ b/chunks/txt/87a4fb7207166a27c9889c03975cddb630b309c71b03f0b10abbfee1bfe22484.txt @@ -0,0 +1,91 @@ +Display when image provided + +Display when image provided + +4.017.2 +4.020.2 +4.025.2 +4.032.2 +4.034.2 +4.039.2 +4.059.2 +4.063.2 +4.217.2 + +ImageCaptionCommentDescription + +Display when caption is provided + +1400.0640 + +User provided text following any enumerated +value from ImageCategoryType. + +Reference Key Concept - Image Data for detailed guidance on the various ways images are handled in the URAR. + +Site – Arcrole Relationships + +Arcrole relationships, establishes "relationships" or linkages in the XML data file that may be visually obvious on the URAR Report. In the +XML data, specific instances of data points or containers must be connected to properly represent the information. + +• Containers or datapoints to be linked are identified using "xlink:label.” +• The RELATIONSHIP container holds the xlink:arcrole, xlink:from, and xlink:to attributes that describe the data relationships. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 140 + +DEFECT to SITE + +Each defect identified in this section must be associated with site. i.e., the DEFECT container must be linked to SITE container via +arcrole. One RELATIONSHIP container is required for each defect associated with the site. + +Unique ID + +Parent Container + +MISMO Attribute Name + +Supported Attribute Enumerations + +3900.0148 + +RELATIONSHIP + +@xlink:arcrole + +urn:fdc:mismo.org:2009:residential/DEFECT ContainsDefectOf SITE + +3900.0149 + +RELATIONSHIP + +@xlink:from + +DEFECT_n + +3900.0150 + +RELATIONSHIP + +@xlink:to + +3900.0143 + +SITE + +3900.0121 + +DEFECT + +@xlink:label + +@xlink:label + +SITE_n + +SITE_n + +DEFECT_n + +Refer to the section Arcrole/Data Relationships in the MISMO XML Version 3.6 chapter for additional information. diff --git a/chunks/txt/87ae373f29dc6c535e75f9fdaf41cde35cebb248c49aa3621e97388af07d211d.txt b/chunks/txt/87ae373f29dc6c535e75f9fdaf41cde35cebb248c49aa3621e97388af07d211d.txt new file mode 100644 index 0000000000000000000000000000000000000000..4fea5a3a56339aaeeda127da2aa90ddc275f6e09 --- /dev/null +++ b/chunks/txt/87ae373f29dc6c535e75f9fdaf41cde35cebb248c49aa3621e97388af07d211d.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/reports/fhlbank-targeted-mission-activities" +date_accessed: "2026-01-27T17:54:20.710Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/87b3b7f2cc3a507b4461c38e71b65a37c4a603965eb11da44796ccda9dbd9901.txt b/chunks/txt/87b3b7f2cc3a507b4461c38e71b65a37c4a603965eb11da44796ccda9dbd9901.txt new file mode 100644 index 0000000000000000000000000000000000000000..c2bec28be4147635d6fcf6b68de1b1e4e08a1b4e --- /dev/null +++ b/chunks/txt/87b3b7f2cc3a507b4461c38e71b65a37c4a603965eb11da44796ccda9dbd9901.txt @@ -0,0 +1,105 @@ +D. HMDA Data Elements Not +Incorporated in the PUDB as +Inapplicable + +The following HMDA data elements +have not been incorporated in the PUDB +because they are inapplicable to +Enterprise mortgage purchases: as of +year; preapproval; action type; +purchaser type; denial reason 1–3; edit +status; application date prior 2004 flag; +multifamily occupancy; and multifamily +type of property. + +E. Technical Revisions to Data Elements +in the PUDB Matrices + +FHFA has made technical revisions to + +the following data fields in the PUDB +matrices to conform the data fields to +long-standing PUDB data reporting +practice or provide greater clarity: loan +number; MSA code; county-2000 +census; census tract-2000 Census; 2000 +census tract-percent minority; 2000 +census tract-median income; 2000 local +area median income; area median family +income; borrower income ratio; ‘‘special +affordable, seasoned loan: are proceeds +recycled?’’; single-family Federal +guarantee; type of seller institution; and +acquisition type. + +FHFA has made technical revisions to +the following data fields and references +in the PUDB matrices to conform to the + +VerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00044 Fmt 4703 Sfmt 4703 E:\FR\FM\15JYN1.SGM 15JYN1 + +I + +S +E +C +T +O +N +h +t +i + +w +D +O +R +P +1 +B +6 +L +C +W +H +K +S +D +n +o + +n +o +s +n +b +o +r +s + +i + +Federal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices + +41183 + +new statutory requirements: borrower’s +(or borrowers’) annual income; and +single-family and multifamily +acquisition unpaid principal balance +(UPB). + +F. Proposed Data Elements Not Included +in the PUDB + +The following data elements are not +currently collected by the Enterprises, +and FHFA is not requiring that they be +collected and reported for inclusion in +the PUDB: multifamily borrower and co- +borrower race or national origin; +multifamily borrower and co-borrower +ethnicity; multifamily borrower and co- +borrower gender; multifamily rate +spread; multifamily HOEPA status; +respondent ID; and agency code. diff --git a/chunks/txt/87b5e6277dcfa0ad357d8a28e7c1a0a9cfbde69541f93b2737dffda40831f5a9.txt b/chunks/txt/87b5e6277dcfa0ad357d8a28e7c1a0a9cfbde69541f93b2737dffda40831f5a9.txt new file mode 100644 index 0000000000000000000000000000000000000000..f10fd3e2053cc133a2e6b857658d04a350aadb0a --- /dev/null +++ b/chunks/txt/87b5e6277dcfa0ad357d8a28e7c1a0a9cfbde69541f93b2737dffda40831f5a9.txt @@ -0,0 +1,133 @@ +8.198 + +EscrowItemActualPaymentAmount + +210.60 + +8.173 + +EscrowItemPaymentPaidByType + +Seller + +8.843 + +EscrowItemPaymentTimingType + +AtClosing + +…/ESCROW_ITEM_DETAIL + +8.172 + +EscrowCollectedNumberOfMonthsCount + +4 + +8.169 + +EscrowItemType + +CondominiumAssociationDues + +8.171 + +EscrowMonthlyPaymentAmount + +50.00 + +8.139 + +FeePaidToType + +ThirdPartyProvider + +8.297 + +IntegratedDisclosureSectionType + +InitialEscrowPaymentAtClosing + +8.188 + +RegulationZPointsAndFeesIndicator + +false + +…/ESCROW_ITEM/ESCROW_ITEM_PAYMENTS/ESCROW_ITEM_PAYMENT + +8.198 + +EscrowItemActualPaymentAmount + +8.173 + +EscrowItemPaymentPaidByType + +75.00 + +Buyer + +8.843 + +EscrowItemPaymentTimingType + +AtClosing + +…/ESCROW_ITEM_PAYMENT + +8.198 + +EscrowItemActualPaymentAmount + +125.00 + +8.173 + +EscrowItemPaymentPaidByType + +Seller + +8.843 + +EscrowItemPaymentTimingType + +AtClosing + +UCD v2.0 Implementation Guide + +- 87 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 65. XML Snippet-Escrow Items Paid at Closing. + + +… + + + + + + + + +-77.00 + + + + + + + +2 + +HomeownersInsurance + 100.83 + ThirdPartyProvider + InitialEscrowPaymentAtClosing + false diff --git a/chunks/txt/87bb189c58786acb6875e07e829b74571ee6e0d04b09e25f15793016d7ce754e.txt b/chunks/txt/87bb189c58786acb6875e07e829b74571ee6e0d04b09e25f15793016d7ce754e.txt new file mode 100644 index 0000000000000000000000000000000000000000..d6fbd07164b1faee871e41fec737da31a9aff06b --- /dev/null +++ b/chunks/txt/87bb189c58786acb6875e07e829b74571ee6e0d04b09e25f15793016d7ce754e.txt @@ -0,0 +1,135 @@ +SF NFC + +14 + +Enterprise Public Use Database Data Dictionary +Data Release of 2024 Acquisitions + +Single-Family Properties +National File C + +Header Name + +Field Name + +Values + +Description / Comments + +Federal Housing +Finance Agency + +Field # Field +Width +1 + +5 + +income_cat + +Borrower Income Ratio + +1 = >=0, <=50% +2 = >50, <=80% +3 = >80% +9 = Not applicable + +The ratio of the borrower’s (or borrowers’) +annual income to the area median family +income for the reporting year. This is the ratio +used to determine whether the borrower’s (or +borrowers’) income qualifies for an income- +based housing goal. This is the ratio defined at +12 CFR 1282.15(b)(1) for owner-occupied +units. + +Purpose of loan reported by the Enterprise. + +In order of precedence, the credit score +closest to the origination date, then that of the +primary borrower, and finally the minimum +score on record. + +6 + +1 + +ltv_cat + +Loan-to-Value Ratio (LTV) +at Origination, or +Combined LTV (CLTV) +where available + +7 + +8 + +9 + +1 + +1 + +1 + +purpose_sf_nfc + +Purpose of Loan + +fed_guarantee_sf_nfc + +Federal Guarantee + +score_cat + +Credit Score + +1 = >0, <=60% +2 = >60, <=80% +3 = >80, <=90% +4 = >90, <=95% +5 = >95% +9 = Missing +1 = Purchase +2 = Refinance/Other +1 = Conventional (No Federal +Guarantee) +2 = Other +1 = Less than 620 +2 = 620 - < 660 +3 = 660 - < 700 +4 = 700 - < 760 +5 = 760 or greater +9 = Missing + +SF NFC + +15 + +Federal Housing +Finance Agency + +Field # Field +Width +1 + +10 + +Enterprise Public Use Database Data Dictionary +Data Release of 2024 Acquisitions + +Single-Family Properties +National File C + +Header Name + +Field Name + +Values + +Description / Comments + +product + +Product Type diff --git a/chunks/txt/87cadc611643cf83ccfd39ecb77e76591e1b96e55328ddba50b4093ebb36d6ca.txt b/chunks/txt/87cadc611643cf83ccfd39ecb77e76591e1b96e55328ddba50b4093ebb36d6ca.txt new file mode 100644 index 0000000000000000000000000000000000000000..eb21b58d38a6ecaa4173dbf59224fae7e03b188d --- /dev/null +++ b/chunks/txt/87cadc611643cf83ccfd39ecb77e76591e1b96e55328ddba50b4093ebb36d6ca.txt @@ -0,0 +1,3 @@ +Market Exhibits ........................................................................................................................................................................................................................ 241 + +Market – Arcrole Relationships ................................................................................................................................................................................................ 243 diff --git a/chunks/txt/87dbd6f3a6234fc926e7820698791e7910daf002e438397fddf9455156a52013.txt b/chunks/txt/87dbd6f3a6234fc926e7820698791e7910daf002e438397fddf9455156a52013.txt new file mode 100644 index 0000000000000000000000000000000000000000..a94b229b933c084797f1dbea5894dd593e3d6185 --- /dev/null +++ b/chunks/txt/87dbd6f3a6234fc926e7820698791e7910daf002e438397fddf9455156a52013.txt @@ -0,0 +1,41 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +## Breadcrumb + +- [Home](/) + - [Policy](/policy) + - Single Security Initiative and Common Securitization Platform + +Policy + +# Single Security Initiative and Common Securitization Platform + +The Federal Housing Finance Agency's (FHFA) [*2014 Strategic Plan for the Conservatorships of Fannie Mae and Freddie Mac*](/node/2681) includes the strategic goal of developing a new securitization infrastructure for Fannie Mae and Freddie Mac (the Enterprises) for mortgage loans backed by single-family properties. To achieve this goal, Common Securitization Solutions (CSS), a joint venture owned by the Enterprises, is developing a Common Securitization Platform (CSP) under FHFA's direction and guidance. CSS acts as each Enterprise's agent to facilitate issuance of single-family mortgage securities, release related at-issuance and ongoing disclosures, and administer the securities post-issuance. In addition, CSS is creating the operational capabilities necessary to run the CSP. The CSP will support the Enterprises' single-family mortgage securitization activities, including the issuance by both Enterprises of a common single mortgage-backed security to be known as the Uniform Mortgage-Backed Security (UMBS). The issuance of UMBS should improve the overall liquidity of the Enterprises' securities and help ensure liquidity of the nation's housing finance markets.​ diff --git a/chunks/txt/87fbb8445d92b40924a2848a9786e25b5b37a1a5f066d49924a2ecddcd110078.txt b/chunks/txt/87fbb8445d92b40924a2848a9786e25b5b37a1a5f066d49924a2ecddcd110078.txt new file mode 100644 index 0000000000000000000000000000000000000000..49616282f6c171709223b4ae6b08be8566f2bc87 --- /dev/null +++ b/chunks/txt/87fbb8445d92b40924a2848a9786e25b5b37a1a5f066d49924a2ecddcd110078.txt @@ -0,0 +1,111 @@ +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ConcentratedOwnershi +pIndicator='N'] + +1 + +1 + +Boolean + +Boolean + +A free-form text field describing the one +person or entity that holds more than ten +(10) percent ownership of the project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/@_ConcentratedOwnershi +pDescription + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +193 + +1 + +182 + +PROJECT +INFORMATION + +194 + +195 + +1 + +1 + +183 + +184 + +PROJECT +INFORMATION + +PROJECT +INFORMATION + +Was the project created by the +conversion of an existing +building(s) into a +condominium? +Yes + +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 Conversion +Indicator + +Indicates that the project was converted +into the current Project Ownership Type. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ClassificationType='Co +ndominium' and @_ConversionIndicator='Y'] + +Project Conversion +Indicator + +Indicates that the project was converted +into the current Project Ownership Type. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ClassificationType='Co +ndominium' and @_ConversionIndicator='N'] + +1 + +1 + +Boolean + +Boolean + +Project Conversion +Original Use +Description + +A free-form text field used to describe the +original use before the project was +converted to its current Project Ownership +Type. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/@_ConversionOriginalUse +Description + +4000 + +String diff --git a/chunks/txt/87fca531120d943789cd1a7e44a50b0f2e00e56613ec12035629678c5d17dca9.txt b/chunks/txt/87fca531120d943789cd1a7e44a50b0f2e00e56613ec12035629678c5d17dca9.txt new file mode 100644 index 0000000000000000000000000000000000000000..69e68ed6126d037de67486cd3b67b9827ba19c49 --- /dev/null +++ b/chunks/txt/87fca531120d943789cd1a7e44a50b0f2e00e56613ec12035629678c5d17dca9.txt @@ -0,0 +1,32 @@ +Appendix F-3: Completion Report Reference Guide + +Page 3 of 33 + +Version 1.3 + +Uniform Appraisal Dataset + +Introduction + +Introduction + +The Uniform Appraisal Dataset (UAD) is a standardized industry dataset for appraisal information that is +transmitted electronically through the Uniform Collateral Data Portal® (UCDP®). At the direction of the Federal +Housing Finance Agency (FHFA), Fannie Mae and Freddie Mac (the government-sponsored enterprises or GSEs) +jointly developed the first UAD in 2010 using the Mortgage Industry Standards Maintenance Organization +(MISMO®) Reference Model 2.6, providing consistent data standards for the loans the GSEs purchase. + +The dataset is being updated to reflect changes to the appraisal industry, address future appraisal needs, and +facilitate ongoing digitization in the appraisal process and the mortgage industry. + +In the legacy UAD, standardized data was the key to evaluating risk at a macro level. The new dataset will take +this advancement even further by: +• Creating consistent enumerated fields. +• Keeping the related data together in each section for an easy-to-read report. +• Reducing subjectivity to enhance impartiality through discrete data versus free-form text. +• Conditionality driving what sections appear on the final output. +• Eliminating the confusion of having two scopes of work (update and completion) on the same form. + +In addition, appraisal data is currently submitted to the GSEs using the MISMO Reference Model 2.6, which is +outdated and no longer supported by MISMO. As part of this update, the UAD will conform to the latest MISMO +Reference Model (3.6). diff --git a/chunks/txt/87ff3bf98e1b407aa340efeb73c747c937daf358a78402821a3537bba82ca62e.txt b/chunks/txt/87ff3bf98e1b407aa340efeb73c747c937daf358a78402821a3537bba82ca62e.txt new file mode 100644 index 0000000000000000000000000000000000000000..1be465b9b073d227cc443f6875f0605519b237d5 --- /dev/null +++ b/chunks/txt/87ff3bf98e1b407aa340efeb73c747c937daf358a78402821a3537bba82ca62e.txt @@ -0,0 +1,87 @@ +Mutually exclusive with +“DueFromBorrowerAtClosing” + +16.011 + +gse:LiabilitySecuredBySubjectPropertyIndicat +or + +false + +…/LIABILITY/LIABILITY_HOLDER/NAME + +10.343 + +FullName + +…/LIABILITY/PAYOFF + +Beta Card, Inc. + +10.334 PayoffAmount + +30000.00 + +N O T E : Earlier versions of the UCD Spec omitted gse:LiabilitySecuredBySubjectPropertyIndicator when the Model form +was used. In UCD v2.0, the same set of data points must be submitted whether you use the Model or Alternate forms. +Additionally, the data point “PayoffPrepaymentPenaltyAmount” and the LiabilityType enumeration +“BorrowerEstimatedTotalMonthlyLiabilityPayment” have been removed. + +Figure 20. XML File Snippet - Liability Line Items on Model Form. + + + … + + + + + + + + +FirstPositionMortgageLien + + + +DueFromBorrowerAtClosing + true + + + + + + + + +UCD v2.0 Implementation Guide + +- 28 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 20. XML File Snippet - Liability Line Items on Model Form. + +Rho Servicing + + + + + + +350000.00 + + + + + + + +Revolving + + + +false diff --git a/chunks/txt/8800765b47a97239d92773ea02ccb33cb57ddf1374b3b8e75fb474e5f1297a0a.txt b/chunks/txt/8800765b47a97239d92773ea02ccb33cb57ddf1374b3b8e75fb474e5f1297a0a.txt new file mode 100644 index 0000000000000000000000000000000000000000..47e0bc0c0405c1181587b8fc8cce281942bc4c8c --- /dev/null +++ b/chunks/txt/8800765b47a97239d92773ea02ccb33cb57ddf1374b3b8e75fb474e5f1297a0a.txt @@ -0,0 +1,5 @@ +Restricted Appraisal Update Report – Arcrole Relationships ________________________________________________________________________ 47 + +INSPECTION to ROLE ............................................................................................................................................................................................................ 48 + +Appraiser .................................................................................................................................................................................................................... 48 diff --git a/chunks/txt/880bdedeac363cf6f1fea891b1ab34fe093e7119b9488a4a1495f87322f03347.txt b/chunks/txt/880bdedeac363cf6f1fea891b1ab34fe093e7119b9488a4a1495f87322f03347.txt new file mode 100644 index 0000000000000000000000000000000000000000..cec038b7764b1570b9bc5567dc375b54b72277e5 --- /dev/null +++ b/chunks/txt/880bdedeac363cf6f1fea891b1ab34fe093e7119b9488a4a1495f87322f03347.txt @@ -0,0 +1,194 @@ +Data Source +MLS + +Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back) +# +1 + +Transfer Terms +None + +Data Source +MLS + +Amount + +Date + +2 + +3 + +4 + +5 + +Typically Motivated + +07/17/2020 + +$300,000 + +None + +None + +Typically Motivated + +04/15/2019 + +$275,000 + +MLS + +MLS + +MLS + +MLS + +Analysis of Prior Sale and Transfer History of Comparable Sales The prior transfers of comps 2 and 5 represent resales at market value. + +Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K + +Uniform Residential Appraisal Report + +Page 10 of 19 +Page 10 of 19 + +PG BRK + +Sales Comparison Approach + +Subject Property + +Comparable # 1 + +Comparable #2 + +Comparable #3 + +General Information + +Property Address + +213 Tree Stand Rd +Anytown, MD 09992 + +318 Pine Crest Rd +Anytown, MD 09992 + +231 Beech Tree St +Anytown, MD 09992 + +431 Holly Ave +Anytown, MD 09992 + +This is where the +Dwelling Front photo +would display. + +This is where the +Comparable 1 photo +would display. + +This is where the +Comparable 2 photo +would display. + +This is where the +Comparable 3 photo +would display. + +MLS HC3148234 | +Assessor Record + +MLS HC3183023 | +Assessor Record + +MLS HC1234823 | +Assessor Record + +0.24 Miles N + +$339,900 + +Settled Sale + +$335,000 + +$0 + +$0 + +$0 + +$1,500 + +11/17/2023 + +12/28/2023 + +39 + +— + +— + +— + +— + +— + +Detached + +Detached + +0.16 Miles W + +$350,000 + +Settled Sale + +$350,000 + +$0 + +$0 + +$0 + +$2,500 + +12/15/2023 + +01/05/2024 + +50 + +Detached + +0.40 Miles E + +$364,900 + +Settled Sale + +$364,900 + +$0 + +$0 + +$0 + +$3,000 + +12/01/2023 + +01/15/2024 + +72 + +Detached diff --git a/chunks/txt/881009d79a64ebc94c903a461b7d423d89ffecb77ac7d7df22ce73f6fd57b860.txt b/chunks/txt/881009d79a64ebc94c903a461b7d423d89ffecb77ac7d7df22ce73f6fd57b860.txt new file mode 100644 index 0000000000000000000000000000000000000000..6f2130daebec896f4607127dde85b5eaecea8fd8 --- /dev/null +++ b/chunks/txt/881009d79a64ebc94c903a461b7d423d89ffecb77ac7d7df22ce73f6fd57b860.txt @@ -0,0 +1,85 @@ +23.01.21 + +Subtotal + +2000.0035 + +TotalMonthlyMarketRentAmount + +Redisplays from 23.01.04 +Must display, deliver as zero if the unit is not currently rented +Must display +Calculated: The sum of UnitMonthlyActualRentAmount (UID: 2000.089, FID: 23.01.13) for all units in +the Rental Information section. + +Always displays +Always displays +Note: Must be 0 if AdditionalRentalIncomeType is “None” +Always displays +Calculated: The sum of MonthlyActualAdditionalIncomeAmount (UID: 2000.024, FID: 23.01.16) for all +instances of AdditionalRentalIncomeType +Always displays +Calculated: TotalMonthlyActualRentAmount (UID: 2000.0032, FID: 23.01.14) + +TotalMonthlyActualAdditionalIncomeAmount (UID: 2000.0031, FID: 23.01.17) + +Redisplays from 10.002 and 23.01.01, when exists +Redisplays from 23.03.23 +Must display +Must display +Calculated: The sum of UnitMonthlyMarketRentAmount (UID: 2000.092, FID: 23.01.20) for all units in +the Rental Information section. +Note: If the Income Approach is included in the report, also displays in 24.022 + +Other Real Property Rental Income + +23.01.22 No label + +2000.0022 + +AdditionalRentalIncomeType + +Always displays + +Appendix B-1: URAR Implementation Guide v1.3 + +Report +Field ID + +Report +Label + +Unique ID MISMO Data Point Name + +Display Rules + +Rental Information: Actual Income & Opinion of Market Income + +23.01.23 No label + +2000.0025 MonthlyEstimatedAdditionalIncomeAmount + +23.01.24 + +Subtotal + +2000.0034 + +TotalMonthlyEstimatedAdditionalIncomeAmo +unt + +23.01.25 + +Total + +2000.0036 + +TotalMonthlyEstimatedIncomeAmount + +Always displays +Note: Must be 0 if AdditionalRentalIncomeType is “None” +Always displays +Calculated: The sum of MonthlyEstimatedAdditionalIncomeAmount (UID: 2000.025, FID: 23.01.23) +for all instances of AdditionalRentalIncomeType +Always displays +Calculated: TotalMonthlyMarketRentAmount (UID: 2000.0035, FID: 23.01.21) + +TotalMonthlyEstimatedAdditionalIncomeAmount (UID: 2000.0034, FID: 23.01.24) diff --git a/chunks/txt/8821e8e577e91ddf90bf433287a4152f009e04deb05b3212fd0906d2063bc030.txt b/chunks/txt/8821e8e577e91ddf90bf433287a4152f009e04deb05b3212fd0906d2063bc030.txt new file mode 100644 index 0000000000000000000000000000000000000000..92f507098cf909690894de7644a9e5364637b977 --- /dev/null +++ b/chunks/txt/8821e8e577e91ddf90bf433287a4152f009e04deb05b3212fd0906d2063bc030.txt @@ -0,0 +1,108 @@ +7.085 + +FeePaidToType + +Lender + +7.003 + +IntegratedDisclosureSectionType + +OriginationCharges + +7.069 + +RegulationZPointsAndFeesIndicator + +true + +…/FEE[IntegratedDisclosureSectionType="OriginationCharges"]/FEE_DETAIL/EXTENSION/OTHER/ucd:FEE_DETAIL_EXTENSION + +15.000 + +ucd:FeeItemType + +ApplicationFee + +…/FEE[IntegratedDisclosureSectionType="OriginationCharges"]/FEE_PAYMENTS/FEE_PAYMENT + +7.010 + +FeeActualPaymentAmount + +500.00 + +With the exception of Fee Type = +“Loan Discount Points” if a fee +rendered on the CD is blank or “0”, +so that if provided in the XML file the + +UCD v2.0 Implementation Guide + +- 93 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Table 45. UCD v2.0 Spec Excerpt - ucd:FeeItemType Data Requirements. + +UCD UID + +MISMO v3.3.0 Data Point + +Delivered Value + +Implementation Notes + +value of FeeActualPaymentAmount +would be zero, do not deliver. + +7.008 + +FeePaymentPaidByType + +7.009 + +FeePaymentPaidOutsideOfClosingIndicato +r + +Buyer + +false + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FE +E_INFORMATION/FEES/FEE[IntegratedDisclosureSectionType="ServicesBorrowerDidNotShopFor"]/FEE_DETAIL + +7.073 + +FeePaidToType + +ThirdPartyProvider + +7.025 + +IntegratedDisclosureSectionType + +ServicesBorrowerDidNotShopF +or + +7.070 + +RegulationZPointsAndFeesIndicator + +false + +…/FEE[IntegratedDisclosureSectionType="ServicesBorrowerDidNotShopFor"]/FEE_DETAIL/EXTENSION/OTHER/ucd:FEE_DETAIL_ +EXTENSION + +15.004 + +ucd:FeeItemType + +AppraisalFee + +…/FEE[IntegratedDisclosureSectionType="ServicesBorrowerDidNotShopFor"]/FEE_PAID_TO/LEGAL_ENTITY/LEGAL_ENTITY_DETA +IL diff --git a/chunks/txt/88369083c7cbd024bb0d0d64f20e425ae3ed8639a32f52e2af4b821e8ee00405.txt b/chunks/txt/88369083c7cbd024bb0d0d64f20e425ae3ed8639a32f52e2af4b821e8ee00405.txt new file mode 100644 index 0000000000000000000000000000000000000000..c60f8f17feb7e3c81ccba1fba17447a756ab6a59 --- /dev/null +++ b/chunks/txt/88369083c7cbd024bb0d0d64f20e425ae3ed8639a32f52e2af4b821e8ee00405.txt @@ -0,0 +1,55 @@ +3. Single-Family Data Field 25 and +Multifamily Data Field 24: Special +Affordable, Seasoned Loan: Are +Proceeds Recycled? + +This data field identifies categories of + +seasoned (originating at least 365 days +prior to acquisition by the Enterprise) +loans eligible for the special affordable +housing goal. Effective for 2010 and +beyond, HERA eliminated the special +affordable housing goal and the +provisions on giving full housing goals +credit under the goal to Enterprise +purchases or refinancings of existing, +seasoned portfolios of loans in +conjunction with the origination of +additional goals-eligible loans. +Accordingly, footnotes (7) and (5) to this +data field in the single-family and +multifamily matrices, respectively, +indicate that the data field is not +applicable for 2010 and beyond. In light +of the HERA changes, the obsolete +regulatory cites in the data fields have +also been removed. + +4. Single-Family Data Field 27 and +Multifamily Data Field 34: Federal +Guarantee + +This data field identifies the source of + +the Federal guarantee or insurance of +the loan acquired by the Enterprise. In +light of changes made by HERA, the +obsolete regulatory cites in the data +fields have been removed. + +5. Single-Family Data Field 55 and +Multifamily Data Field 43: +Geographically Targeted Indicator + +This data field identifies whether a + +loan purchased by an Enterprise is +located in an area defined to be +‘‘underserved,’’ for purposes of meeting +the underserved areas housing goal. +HERA eliminated the underserved areas +housing goal effective for 2010 and +beyond. Accordingly, footnotes (7) and +(5) to this data field in the single-family +and multifamily matrices, respectively, diff --git a/chunks/txt/88376f65f8b02ed7004e1b0ad1267cb7d9828d65cd16a5fd6ce93f7bc8325f54.txt b/chunks/txt/88376f65f8b02ed7004e1b0ad1267cb7d9828d65cd16a5fd6ce93f7bc8325f54.txt new file mode 100644 index 0000000000000000000000000000000000000000..b8ecb48cfb95ea4ed66baf295b09d6b289fb8dcc --- /dev/null +++ b/chunks/txt/88376f65f8b02ed7004e1b0ad1267cb7d9828d65cd16a5fd6ce93f7bc8325f54.txt @@ -0,0 +1,267 @@ +T + +T + +T + +T + +R + +R + +R + +T +T +T +T + +T +T + +N/A +T +T +T +T +T +T + +R + +R + +R + +T +T +T +T + +T +T + +N/A +T +T +T +T +T +T + +R + +R + +R + +T +T +T +T + +T +T + +N/A +T +T +T +T +T +T + +R + +R + +R + +T +T +T +T + +T +T + +N/A +T +T +T +T +T +T + +Site Zoning Permit Rebuild To Current Density Indicator** + +N/A + +N/A + +N/A + +N/A + +.PROPERTY +..SITE +...SITE_FEATURE + +UAD Consolidated Schema Matrix +Appendix B: GSE Appraisal Forms Mapping + +Page 13 of 211 + +Document Version 1.4 + +MISMO Data Point Name + +1004/70 + +1004 +Hybrid/ +70H + +1004 +Desktop/ +70D + +2055 + +1073/465 + +1073 +Hybrid/ +465H + +1073 +Desktop/ +465D + +1075/466 + +Site Feature Type** + +Site Feature Comment** + +.PROPERTY +..SITE +...FLOOD_ZONE +NFIP Map Panel Date + +.PROPERTY +..SITE +...FLOOD_ZONE_EXTENSION +….FLOOD_ZONE_EXTENSION_SECTION +Extension Section Organization Name +…..FLOOD_ZONE_EXTENSION_SECTION_DATA +……FLOOD_ZONE_INFORMATION +GSE NFIP Flood Zone Identifier + +GSE FEMA Flood Map Identifier + +GSE FEMA Special Flood Hazard Area Indicator + +.PROPERTY +..SITE +...SITE_UTILITY +Site Utility Type** + +Site Utility Public Indicator** + +Site Utility Non Public Indicator** + +Site Utility Non Public Description** + +.PROPERTY +..PROJECT +Project Name** + +Project Common Elements Description** + +Project Common Elements Completed Indicator** + +Project Common Elements Status Description** + +Project Common Elements Lease Terms Description** + +Project Common Elements Leased Indicator** + +Project Contains Multiple Dwelling Units Indicator** + +Project Contains Multiple Dwelling Units Data Source Description** + +Project Conversion Indicator** + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +CR + +CR + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +CR + +CR + +CR + +CR + +T + +T + +T + +T + +T diff --git a/chunks/txt/883b7885ed943089e3a9770fec7d4ad49c10b88b705299fb179d0c013ffa907a.txt b/chunks/txt/883b7885ed943089e3a9770fec7d4ad49c10b88b705299fb179d0c013ffa907a.txt new file mode 100644 index 0000000000000000000000000000000000000000..bbacb1ef0e3f37ac128341053f497876535d1de5 --- /dev/null +++ b/chunks/txt/883b7885ed943089e3a9770fec7d4ad49c10b88b705299fb179d0c013ffa907a.txt @@ -0,0 +1,89 @@ +Not Shown + +OptionalCostIndicat +or + +true + +ROF as “(optional)” + +RegulationZPointsA +ndFeesIndicator + +true + +Not Shown – +ATR/QM + +FullName + +Epsilon Title +Company + +Payee company +name + +8.17.2 Borrower-Paid At +Closing ($) + +…/FEE/FEE_PAYME +NTS/FEE_PAYMENT + +FeeActualPayment +Amount + +1000.00 + +ROF as “$1,000.00” + +8.17.2 Borrower-Paid + +8.17.2 At Closing + +FeePaymentPaidBy +Type + +Borrower + +ROF as “Borrower- +Paid” + +FeePaymentPaidOu +tsideOfClosingIndic +ator + +false + +ROF as “At Closing” + +Appendix E: UCD Implementation Guide + +Page 143 of 254 + +Version 1.4 + +Uniform Closing Dataset + +8.0 Other Costs Table + +1. MAPPI NG GUI DANCE + +Like Section E of the Other Costs table, section H. Other uses the FEE structure. The data points used to provide +this information are shown in the table above and are repeated as needed to satisfy the requirements of the +individual document. The enumerations representing title-related fee types all begin with the prefix “Title”. If +the line item is for a charge requiring the “optional” designation, the data point Optional Cost Indicator = “true”. +Otherwise, the value will be “false.” + +B. FOR MORE I NFORMATI ON + +8.0 Reg §1026.38(g), pp. 80123, 80353, 80011; Cross reference to §1026.37(g) pp. 80116, 80342, 79959. + +8.1 Reg §1026.38(g)(1), pp. 80123, 80353, 80011; Cross reference to §1026.37(g)(1) pp. 80117, 80342-3, + +79959. + +8.2 | 8.3 Reg §1026.38(g)(1), pp. 80123, 80353, 80011; Cross reference to §1026.37(g)(1) pp. 80117, 80342-3, + +79959. + +8.4 Reg §1026.38(g)(2), pp. 80123, 80353, 80011; Cross reference to §1026.37(g)(2) pp. 80117, 80343, 79960- diff --git a/chunks/txt/883dfef5039585ccbef549d6c045008f019dcd12d84b4d191f784d36c6e69442.txt b/chunks/txt/883dfef5039585ccbef549d6c045008f019dcd12d84b4d191f784d36c6e69442.txt new file mode 100644 index 0000000000000000000000000000000000000000..f09cbb50e7fdb4af5d6af89c9edaa44796454a43 --- /dev/null +++ b/chunks/txt/883dfef5039585ccbef549d6c045008f019dcd12d84b4d191f784d36c6e69442.txt @@ -0,0 +1,61 @@ +Where state law allows for the elimination of the certificate of title, the closing instructions must instruct the closing agent to +perform all necessary procedures to: + +• assure that the certificate of title to the manufactured home is properly retired, and + +• provide the lender with documentary evidence for retention in the loan file. + +Certificate of Title + +The table below provides conditional requirements pertaining to the manufactured home certificate of title. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 159 of 166 + +UAD 3.6 Policy + +If … + +Then … + +state law permits the manufactured home to +become real property when it is immediately affixed +to the permanent foundation system, without +issuance of a certificate of title, + +a certificate of title has been issued, but state law +provides for or permits surrender of the certificate of +title, + +the lender must if the transaction involves the +purchase of a new manufactured home obtain, and +retain as part of the loan file, evidence that no +certificate of title was issued. + +For example, if the lender obtains the manufacturer’s +certificate of origin, this would be evidence, in most +states, that no certificate of title could have been +issued. + +the lender must obtain, and retain as part of the loan +file, evidence that the certificate has been +surrendered. + +Such evidence includes: + +• + +the confirmation required to be provided by +the authority to which the certificate was +surrendered, or + +• + +if no such confirmation is obtainable: + +o a copy of the documents submitted +in connection with the surrender, +and + +o evidence that such documents were diff --git a/chunks/txt/8852c6deceeffe8a9135c70821820c2b4b33a75f76238c505f27c7cc1823d9f7.txt b/chunks/txt/8852c6deceeffe8a9135c70821820c2b4b33a75f76238c505f27c7cc1823d9f7.txt new file mode 100644 index 0000000000000000000000000000000000000000..66e1c9875fb2b9c487f411a90398b422d3bdf000 --- /dev/null +++ b/chunks/txt/8852c6deceeffe8a9135c70821820c2b4b33a75f76238c505f27c7cc1823d9f7.txt @@ -0,0 +1,34 @@ +https://www.fanniemae.com/content/technology_requirements/ulad-data-relationships.pdf + +1d. IF APPLICABLE, Complete Information for Previous Employment/Self-Employment and Income +The information in this section is similar to the tables in 1b and 1c above, except the borrower will only +provide the total income per month (not broken down by income type) and indicate if they were the business +owner or self-employed. + +1e. Income from Other Sources +A borrower that has income from non-employment sources should use the list provided in the redesigned +Form 1003 to indicate the income type and corresponding monthly income amount. For income from other +sources, the EmploymentIncomeIndicator should be false. For more information on income, please consult +the Frequently Asked Questions in Chapter 5. + +DU Spec Implementation Guide + +Fannie Mae Proprietary & Confidential + +23 + +Income from military employment +The military base pay should be entered in the Base field of the Gross Monthly Income in the employment +sections. The military entitlements and allowances are submitted in the IncomeType data point and should +be totaled and included in the “Military Entitlements” field in the employment sections of the Borrower +Information and Additional Borrower Form. Please consult the DU Spec for information on the data +structure that will be used in your Loan Application Submission file. + +Reporting Employment +The employment for the borrower may be reported as either Primary or Secondary by using the +EmploymentClassificationType in your Loan Application Submission file. The time spent or highest +income have no relation to Primary or Secondary employment. When you submit your Loan Application +Submission file, you will need to relate the borrower’s income with the employer (please refer to ArcRoles +in DU Spec or the previous section of Relating the Income to Employment under 1b. Current +Employment/Self Employment and Income and indicate under the employer container instance if this is the +Primary or Secondary employment. diff --git a/chunks/txt/885ab306307a642a6d6c0b040ca9463b8830a72b37b917f4e647a4d04270e4d5.txt b/chunks/txt/885ab306307a642a6d6c0b040ca9463b8830a72b37b917f4e647a4d04270e4d5.txt new file mode 100644 index 0000000000000000000000000000000000000000..9b66df6cad321de6ca7af2b529cae9ef0a291173 --- /dev/null +++ b/chunks/txt/885ab306307a642a6d6c0b040ca9463b8830a72b37b917f4e647a4d04270e4d5.txt @@ -0,0 +1,5 @@ +Intended User (H1) ............................................................................................................................................. 83 + +Certifications ....................................................................................................................................................... 83 + +Appraiser Certifications (H1) .............................................................................................................................. 83 diff --git a/chunks/txt/88777e079a532f54a00c4073ebf460b8098f615a670143ef55cb6d0c8a299e54.txt b/chunks/txt/88777e079a532f54a00c4073ebf460b8098f615a670143ef55cb6d0c8a299e54.txt new file mode 100644 index 0000000000000000000000000000000000000000..57f889bd7963d9e72e7b8ffec044176fb74a8e82 --- /dev/null +++ b/chunks/txt/88777e079a532f54a00c4073ebf460b8098f615a670143ef55cb6d0c8a299e54.txt @@ -0,0 +1,287 @@ +#5 +0.5 Miles NE + +Hillview +Gardens + +Similar + +Residential + +Similar + +Similar + +Superior + +Residential + +Similar + +Similar + +Similar + +11,997 Sq. Ft. + +43,560 Sq. Ft. + +8,250 Sq. Ft. + +15,000 Sq. Ft. + +11,997 Sq. Ft. + +43,560 Sq. Ft. + +12,000 Sq. Ft. + +12,000 Sq. Ft. + +C4 + +2 + +1 | 0 + +C4 + +2 + +1 | 0 + +C4 + +2 + +1 | 0 + +C4 + +3 + +2 | 0 + +C4 + +2 + +1 | 0 + +C4 + +2 + +1 | 0 + +C3 + +2 + +1 | 0 + +C4 + +3 + +2 | 0 + +864 Sq. Ft. + +864 Sq. Ft. + +820 Sq. Ft. + +1,056 Sq. Ft. + +864 Sq. Ft. + +864 Sq. Ft. + +900 Sq. Ft. + +1,260 Sq. Ft. + +No + +No + +No + +No + +No + +No + +No + +No + +No + +No + +No + +No + +No + +No + +No + +No + +— + +No + +No + +— + +No + +No + +No + +No + +No + +No + +No + +No + +No + +No + +No + +No + +Vehicle Storage | Spaces + +Driveway | 6 + +Superior + +Superior + +Similar + +Carport | 2 + +Similar + +Similar + +Inferior + +Summary + +Rent Per Finished Area + +Actual Rent + +Overall Comparison +to Subject + +Adjusted Rent + +Opinion of +Market Rent + +$1.01 + +$875 + +$875 + +$1.07 + +$925 + +Similar + +$0.98 + +$800 + +$0.95 + +$1,000 + +Similar + +Superior + +$0 + +$0 + +$1.07 + +$925 + +$1.44 + +$1,300 + +$0.95 + +$1,200 + +Similar + +Superior + +Superior + +$900 + +$800 + +$900 + +$925 + +$900 + +$850 + +$925 + +Comparable Weight + +Most + +Less + +Less + +Most + +Less + +Less + +Rental Analysis Commentary + +This data and other rent comparable information gathered from discussions with landlords, owners, and property managers support +estimated rents for the subject. Estimated rents have been based on the above rent survey as well as a rental survey of the general area. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 21 of 29 +Page 21 of 29 + +Rental Information (continued) diff --git a/chunks/txt/8878ed5bfd67028cbf9e117c6f70372d853b233f16f03b3ae962312e0a998066.txt b/chunks/txt/8878ed5bfd67028cbf9e117c6f70372d853b233f16f03b3ae962312e0a998066.txt new file mode 100644 index 0000000000000000000000000000000000000000..75680ad43624b94cef21efe2fb1946003758d81d --- /dev/null +++ b/chunks/txt/8878ed5bfd67028cbf9e117c6f70372d853b233f16f03b3ae962312e0a998066.txt @@ -0,0 +1,391 @@ +true + +false + +false + +None + +Bordering + +Residential + +Neutral + +15000 + +1 + +Public + +Electricity + +Public + +Gas + +Public + +SanitarySewer + +Public + +Water + +Neutral + +true + +Full + +Residential + +3 Residential Building Lots per Acre + +R-3 + +Legal + +318 Pine Crest Rd + +Anytown + +09992 + +MD + +Driveway + +Concrete + +3 + +false + +0 + +SalesConcessions + +0 + +ContractDate + +0 + +SaleDate + +0 + +SiteSize + +6500 + +View + +0 + +YearBuilt + +4500 + +LivingUnitStandardFinishedAreaAboveGrade + +2000 + +OutdoorLivingAmenity + +348000 + +North + +Less + +false + +279 + +1 + +0.24 + +13000 + +Dwelling + +2017 + +1200 + +0 + +false + +3 + +2 + +0 + +C3 + +Q4 + +C3 + +Q4 + +1 + +NaturalGas + +ForcedWarmAir + +PropertyPhoto + +\\Images\SF5_Comp1.png + +image/png + +39 + +339900 + +SettledSale + +25.164174 + +-51.328126 + +Hilltop Hills + +0 + +Detached + +1 + +true + +1 + +C3 + +Q4 + +false + +false + +false + +false + +true + +true + +2023-11-17 + +1500 + +2023-12-28 + +335000 + +Sale + +None + +false + +13500 + +Full + +HighDensityResidential + +231 Beech Tree St + +Anytown + +09992 + +MD + +Driveway + +Concrete + +3 + +false + +0 + +SalesConcessions + +0 + +ContractDate + +0 + +SaleDate + +350000 + +West + +Less + +false + +278 + +2 + +0.16 + +0 + +Dwelling + +2018 + +1260 + +0 + +false + +3 + +2 + +0 + +C3 + +Q4 + +C3 + +Q4 + +1 + +NaturalGas + +ForcedWarmAir + +PropertyPhoto + +\\Images\SF5_Comp2.png + +image/png + +50 + +350000 + +SettledSale + +25.164175 + +-51.328127 + +Hilltop Hills + +Deck + +OutdoorLiving + +0 + +Detached + +1 + +true + +1 + +C3 + +Q4 + +true + +true + +false + +false + +true + +true + +2023-12-15 + +2500 + +2024-01-05 + +350000 + +Sale + +2020-07-17 + +300000 + +Sale + +TypicallyMotivated + +None + +false + +15000 + +Full + +Residential + +431 Holly Ave + +Anytown + +09992 + +MD + +Driveway + +Concrete + +3 + +false + +Detached + +Garage + +1 + +0 + +SalesConcessions + +0 + +ContractDate + +0 + +SaleDate + +0 diff --git a/chunks/txt/888455caafcd2b021bd1840ace06fddd0a03501f5598063f537d132c8b12dad4.txt b/chunks/txt/888455caafcd2b021bd1840ace06fddd0a03501f5598063f537d132c8b12dad4.txt new file mode 100644 index 0000000000000000000000000000000000000000..1689053fd9ca7a1a3376837837dba64472f3d151 --- /dev/null +++ b/chunks/txt/888455caafcd2b021bd1840ace06fddd0a03501f5598063f537d132c8b12dad4.txt @@ -0,0 +1,112 @@ +The tables below explain how each loan state is used for delivered (subject) loans and +supporting (related) loans. + +© 2018 Fannie Mae. Trademarks of Fannie Mae. + +June 2018 | 15 of 22 + +Table 5 - Subject Loan State + +LoanStateType Conditionality + +LoanStateDate Comments + +AtClosing + +Applies to all +subject loans. + +Original/Note +Date. + +Current + +Applies to all +subject loans. + +AtModification + +Applies to subject +loan when the +loan has been +modified prior to +delivery. + +Date the data is +retrieved from the +seller’s delivery +system. +Loan Modification +Effective Date +(data point in the +delivery dataset). + +For modified loans, the +AtClosing Loan container +will only contain a subset +of data. Refer to Appendix +A: Fannie Mae XML Data +Requirements for the +required MISMO data +points in this scenario. + +A Current LOAN container +is always required for all +subject LOANs. + +Only required for modified +loans; the loan delivery +XML file also requires +Current and AtClosing +Loan containers – +see AtClosing comment +above. + +Table 6 - Related Loan State + +LoanStateType Conditionality + +LoanStateDate Comments + +AtClosing + +Captures second +lien loan +information. + +Original/Note +Date. + +The loan delivery data +must represent the +original closing data at the +time of closing or the data +populated on the note +associated with the +specified mortgage loan. + +Current + +AtModification + +Captures second +lien loan +information. + +Captures second +lien information, +when the loan +has been +modified prior to +closing. + +Date the data is +retrieved from +the seller’s +delivery system. +Loan +Modification +Effective Date +(data point in +the delivery +dataset). diff --git a/chunks/txt/8898d6728419ba169499a8a376d8ff04cc5c2d716f50f392aa09aafb20aacaac.txt b/chunks/txt/8898d6728419ba169499a8a376d8ff04cc5c2d716f50f392aa09aafb20aacaac.txt new file mode 100644 index 0000000000000000000000000000000000000000..94ad3f195c1521f40b1698b5e81961192bc05e88 --- /dev/null +++ b/chunks/txt/8898d6728419ba169499a8a376d8ff04cc5c2d716f50f392aa09aafb20aacaac.txt @@ -0,0 +1,90 @@ +LicenseIssuingAuthorityStateCode + +08.012 + +Expires + +2400.0402 + +LicenseExpirationDate + +Display Rules + +When PartyRoleType (UID: 2400.0373, FID: 08.006) = +“Lender” or “Management Company”… + +Display when provided for PartyRoleType (UID: 2400.0373, +FID: 08.006) = “ManagementCompany”. If not provided, do +not display report label. + +Display when provided for PartyRoleType (UID: 2400.0373, +FID: 08.006) = “ManagementCompany”. If not provided, do +not display report label. + +Appraiser and Supervisory Appraiser + +This portion of Contact Information shows details about the Appraiser and Supervisory Appraiser (if any). + +• The Appraiser displays first, followed by the Supervisory Appraiser (if any). +• Although the report is very similar for appraisers and supervisors, the data points in the Appraisal Completion Report Specification are different, and + +therefore they are split out in this document. + +Appraiser + +Information about the appraiser, PartyRoleType (UID: 2400.0056, FID: Not on report) = “Appraiser”, always displays. + +Note: To easily find data points in the Appraisal Completion Report Specification, search for + +“Appraiser” under the “Additional Context” column. + +Page 43 + +Report +Field ID + +Report Label + +Unique ID MISMO Data Point Name + +Display Rules + +Assignment Information: Contact Information – Appraiser + +08.0013 Name + +2200.0126 + +FirstName + +2200.0128 MiddleName + +2200.0127 + +LastName + +2200.0129 + +SuffixName + +08.0014 Designation + +2400.0475 + +AppraiserDesignationType + +08.0015 Company Name + +2400.0471 + +AppraiserCompanyName + +08.0016 Company Address + +2400.0466 + +AddressLineText + +2400.0467 + +CityName diff --git a/chunks/txt/889cf59dd187162a9a52beabc809a9682066d1d66e54688e74f6147fc9dfcb4a.txt b/chunks/txt/889cf59dd187162a9a52beabc809a9682066d1d66e54688e74f6147fc9dfcb4a.txt new file mode 100644 index 0000000000000000000000000000000000000000..bb73e0debc3d486c90810f47158016bdfbd4ba05 --- /dev/null +++ b/chunks/txt/889cf59dd187162a9a52beabc809a9682066d1d66e54688e74f6147fc9dfcb4a.txt @@ -0,0 +1,82 @@ +Uniform Appraisal Dataset (UAD) Specification + +Issued by Fannie Mae and Freddie Mac +Appendix C‐1: URAR without Report Field IDs +Document Version 1.2 +September 17, 2024 + +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. +© 2024 Fannie Mae and Freddie Mac. Trademarks of the respective owners + +Revision History + +Date + +Version   Report Section + +9/17/2024 + +1.2 + +12/12/2023 + +1.1 + +3/29/2023 + +1.0 + +Introduction + +Footer +Market +Revision History +Footer + +Market + +Change # +2024‐028 +2024‐024 +2024‐043 +2023‐061 +2023‐001 + +2023‐031 + +Certifications and +Scope of Work + +2023‐003 + +Revision Description +Updated date in Footer to September 2024. +Deleted Property Value Trend. +Added the Reconsideration of Value subsection. +Updated date in Footer to December 2023. +Removed the “Under Review” watermark. +Deleted Subject Conforms to Surrounding Area, Reason, and Description. +Changed Report Label to Market Area Boundary. +Updated predefined text for Appraiser Certifications 18, 24, and 25, and all +Supervisory Appraiser Certifications. +Clarified that Contact Name(s) display for Appraiser Certification 21. +Initial publication + +The purpose of this document is to show all possible Report Labels that may display on the URAR, regardless +of conditionality. This is not intended to represent a realistic report as an appraisal will never contain all of +the available fields in one report. + +Term +Report Label + +Definition +The name of the field as shown on the URAR. + ++.5 li # + +only in + +Summary + +Uniform Residential Appraisal Report diff --git a/chunks/txt/88a8455f12615adb1723cdb315f3e3da16ec5b8f39e8c863dc1088e192d8e215.txt b/chunks/txt/88a8455f12615adb1723cdb315f3e3da16ec5b8f39e8c863dc1088e192d8e215.txt new file mode 100644 index 0000000000000000000000000000000000000000..d8ede0cf0ff54bd3c0ffd4228c8cb3e18c668c59 --- /dev/null +++ b/chunks/txt/88a8455f12615adb1723cdb315f3e3da16ec5b8f39e8c863dc1088e192d8e215.txt @@ -0,0 +1,54 @@ +Uniform Closing Dataset (UCD) Collection Solution Enhancements +Quick Guide for UCD Enhancements + +September 30, 2020 + +Updated October 26, 2020 + +This UCD Enhancements guide provides access to this year’s previous, current, and upcoming UCD updates in an easy-to-read format all in one document. See the 2019 +Release Notes Summary to review an archive of the enhancements to UCD in 2019. + +Looking for Feedback Message updates? Review the ‘Edit Updates’ tab in the UCD Feedback Messages for a summary of this year’s message updates. + +On the Horizon + +Effective +Date + +Nov. 2, 2020 +UPDATED + +Impacted +Area + +Description + +UCD Critical Edits - +Phase 1 +Implementation + +As announced on August 11, 2020, Fannie Mae will be transitioning UCD edits from Warning to a Fatal severity over the +next two years. In preparation for the transition to Fatal edits, lenders should review all feedback messages returned by +the UCD Collection Solution and resolve any issues, particularly those relating to future Fatal edits. + +Review the Edit Change Effective Date in the UCD Feedback Messages for a listing of the Phase 1 effective edit updates +(total of 38 edits) including: + +• + +• + +• + +• + +8 new warning edits related to Closing Information, Loan Information, Loan Disclosures, Escrow +Account, Loan Calculations, GSE Specific, and GSE Regulation Z. + +36 existing edits marked to change severity from Warning to Fatal as of May 2021. + +17 existing edits with a text change update. + +2 existing Fatal edits with no severity changes required for May 2021. + +The UCD Feedback Messages have been updated to reflect which edits will be Fatal as of May 2021. diff --git a/chunks/txt/88b4d6b268f9dba646a8cf0e4d4d816382c8b6ce1d07bcb493a5a9c967cbd534.txt b/chunks/txt/88b4d6b268f9dba646a8cf0e4d4d816382c8b6ce1d07bcb493a5a9c967cbd534.txt new file mode 100644 index 0000000000000000000000000000000000000000..235e372b552effd240b4d33e775ce9f83b425877 --- /dev/null +++ b/chunks/txt/88b4d6b268f9dba646a8cf0e4d4d816382c8b6ce1d07bcb493a5a9c967cbd534.txt @@ -0,0 +1,139 @@ +Appendix E Supplements are as follows: + +• Appendix E-1: URAR with Codes + +• Appendix E-2: Restricted Appraisal Update Report with Codes + +• Appendix E-3: Completion Report with Codes + +2 COLUMN PAGE FORMAT + +Uniform Residential Appraisal Report + +TITLE + +TITLE-ADD + +[ADDRESS] + ++.5 li # + +only in + +Summary + +SUM-HD + +SUMMARY + +TXR-B + +Opinion of Market Value + +TXC-B + +Final Value Condition Statement + +TXR-B + +TXR-B + +Effective Date of Appraisal +Assignment Reason +Borrower Name +Current Owner of Public Record +Contract Price +Listing Status + +H1 + +Property Description + +TXR-B +TXR-B +TXR-B + +Construction Method +Attachment Type +Structure Design + +CK1 + +CK1 + +Planned Unit Development (PUD) +Condominium +Cooperative +Condop +Observed Project Deficiencies +Subject Site Owned in Common + +TXR-B +TXR-B +TXR-B + +Units Excluding ADUs +Accessory Dwelling Units +Property Rights Appraised + +(Cooperative Interest) + +TXR-B + +Market Value Condition + +TXR-B +TXR-B + +Property Valuation Method +Appraiser Name + +TXR-B +TXR-B + +Overall Quality +Overall Condition + +Y/N + +Yes No +  +  +  +  +  +  + +Y/N +Is the highest and best use of the subject property as +improved (or as proposed per plans and specifications) +the present use? + +Yes No +  + +Property Restriction +Encroachment +Zoning Compliance +HUD Data Plate Attached +HUD Label Present for All Sections + +CK1 + +TXR-B + +TXR-B + +FTR-L + +FTR-R + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +2 COLUMN PAGE FORMAT + +HDR-R + +Apparent Defects, Damages, Deficiencies Requiring Action + +The items listed below represent the As Is condition as of the effective date of this report diff --git a/chunks/txt/88b8907049f2363e5911017148afa75f38a87bf599ec0a6be5b597c3010d0913.txt b/chunks/txt/88b8907049f2363e5911017148afa75f38a87bf599ec0a6be5b597c3010d0913.txt new file mode 100644 index 0000000000000000000000000000000000000000..fb1fed896d7ac90a79d469e295c4df438937e19e --- /dev/null +++ b/chunks/txt/88b8907049f2363e5911017148afa75f38a87bf599ec0a6be5b597c3010d0913.txt @@ -0,0 +1,137 @@ +Market (continued) + +Market Exhibits + +Price Trend + +This is where the Price Trend graph would display. + +Project Information + +Planned Unit Development (PUD)  + +Condominium  + +Cooperative  + +Condop  + +Project Name +Project Information Data Source Property Management + +XYZ Apartments + +Project Completeness + +Total Units +Units Sold +Units for Sale +Units Rented + +Company +126 +120 +1 +5 + +Mandatory Fees (HOA, PUD, or Co-op) + +Monthly Amount +Common Amenities/ +Services Included + +Utilities Included + +$2,631 + +Inground Pool +Theater +Electricity +Gas +Sanitary Sewer +Water + +Observed Deficiencies + +Yes No +  + +Are units, common areas, and amenities in project +complete? +Subject Property Building Complete +Converted in Past 3 Years + +Ground Rent + +Annual Amount +Expires + +$45,000 +12/2039 + +Yes No +  + +  +  +  + +Description of Ground Rent The ground rent has been stable over +the last five years. The ground rent is controlled through the City of +Washington, D.C. + +Appraiser Reference ID 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1) + +Uniform Residential Appraisal Report + +Page 10 of 18 +Page 10 of 18 + +Project Information (continued) + +Cooperative Information + +Shares Issued and Outstanding +Shares Attributable to Subject +Property + +97,222 + +374 + +Project Blanket Financing + +Pro Rata Share + +0.3847% + +Lien Detail +Unpaid Principal Balance + +First Lien +$10,957,629 + +Line of Credit + +Balloon Mortgage + +Remaining Term + +Monthly Payment + +Interest Rate + +Amortization Type + +Pro Rata Share of Balance +Attributable to Unit + +No + +21 Months + +$63,739 + +4.060% + +Fixed diff --git a/chunks/txt/88be88ac747e4115d46e6970b0d8332d41ba046ea4f58fd084ae8131b64d6d61.txt b/chunks/txt/88be88ac747e4115d46e6970b0d8332d41ba046ea4f58fd084ae8131b64d6d61.txt new file mode 100644 index 0000000000000000000000000000000000000000..1c63381b9121d18b349cc2add2067d1f29a4a271 --- /dev/null +++ b/chunks/txt/88be88ac747e4115d46e6970b0d8332d41ba046ea4f58fd084ae8131b64d6d61.txt @@ -0,0 +1,3 @@ +© 2025 Fannie Mae. Trademarks of Fannie Mae. 1.22.2025 + +1 of 1 diff --git a/chunks/txt/88c07653a563ca1ec75477866dddd5be94c5490052fe9c8a907f60286b6cf7be.txt b/chunks/txt/88c07653a563ca1ec75477866dddd5be94c5490052fe9c8a907f60286b6cf7be.txt new file mode 100644 index 0000000000000000000000000000000000000000..cc1b188562d9037c416732c6583a9e98594da38f --- /dev/null +++ b/chunks/txt/88c07653a563ca1ec75477866dddd5be94c5490052fe9c8a907f60286b6cf7be.txt @@ -0,0 +1,114 @@ +356.16< + +/ProjectedPaymentEstimatedTaxesInsuranceAssessmentTotalAmount> + + + + + +… + + +2. PROJECTED PAYMENTS LINE ITEMS + +The “Payment Calculation” half of the Projected Payments table helps the borrower understand: + +a. How the three major components of their periodic mortgage payment can change over time. + +b. Whether the payment can change over the life of the loan, and if so, the limits of the change. + +c. Any unique payment characteristics. + +Figure 51. Rendering Payment Calculation Data on the CD Projected Payments Table. + +Projected Payments + +5.0 + +5.1 Payment Calculation + +5.1.1 Years 1 – 5 + +5.1.2 Years 6 – 30 + +5.1.3 + +5.2 Principal & Interest + +5.2.1 +5.2.2 +5.2.3 + +$1,007.35 + +5.2.4 +5.2.5 + +$1,007 min +$1,452 max + +5.2.6 +5.2.7 + +5.1.4 + +5.2.8 +5.2.9 + +UCD v2.0 Implementation Guide + +- 72 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 51. Rendering Payment Calculation Data on the CD Projected Payments Table. + +Projected Payments + +5.0 + +5.1 Payment Calculation + +5.1.1 Years 1 – 5 + +5.1.2 Years 6 – 30 + +5.1.3 + +5.3 Mortgage Insurance + +5.3.1 + ++$109.00 5.3.2 + +--- 5.3.3 + +5.4 Estimated Escrow +Amount can increase over time + +5.5 Estimated Total +Monthly Payment + +5.4.1 + ++$356.00 5.4.2 + ++$356.00 5.4.3 + +5.5.1 +5.5.2 + +$1,472.35 + +5.5.3 +5.5.4 + +$1,363 min +$1,808 max + +5.5.5 +5.5.6 diff --git a/chunks/txt/88d6a716eec89dd6d463cf60c6d5bab58aff9a0acc8608a67cab0637ae0629f6.txt b/chunks/txt/88d6a716eec89dd6d463cf60c6d5bab58aff9a0acc8608a67cab0637ae0629f6.txt new file mode 100644 index 0000000000000000000000000000000000000000..53f9accc9d1d93eaa2f48e39fc8d99edc9c6c801 --- /dev/null +++ b/chunks/txt/88d6a716eec89dd6d463cf60c6d5bab58aff9a0acc8608a67cab0637ae0629f6.txt @@ -0,0 +1,81 @@ +Further itemization beyond “RecordingFeeForDeed” and “RecordingFeeForMortgage” is required neither by CFPB nor the +GSEs. However, the UCD v2.0 Spec includes additional recording fee enumerations. If lenders decide to provide additional +recording fee enumerations in the XML file, they must use a supported enumeration, include the same line item data points +as for “RecordingFeeTotal” and the FeeActualPaymentAmount value must reflect them. + +Table 45. UCD v2.0 Spec Excerpt - ucd:FeeItemType Data Requirements. + +UCD UID + +MISMO v3.3.0 Data Point + +Delivered Value + +Implementation Notes + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FE +E_INFORMATION/FEES/FEE[IntegratedDisclosureSectionType="OriginationCharges"]/FEE_DETAIL + +7.085 + +FeePaidToType + +7.006 + +FeeTotalPercent + +Lender + +1.0000 + +7.003 + +IntegratedDisclosureSectionType + +OriginationCharges + +7.069 + +RegulationZPointsAndFeesIndicator + +true + +Included so that the associated fee +can be rendered on the CD in the +intended section. + +Although not required by the TRID +Reg, UCD v2.0 is maintaining v1.5 +requirement to avoid confusion. + +…/FEE[IntegratedDisclosureSectionType="OriginationCharges"]/FEE_DETAIL/EXTENSION/OTHER/ucd:FEE_DETAIL_EXTENSION + +15.001 + +ucd:FeeItemType + +LoanDiscountPoints + +…/FEE[IntegratedDisclosureSectionType="OriginationCharges"]/FEE_PAYMENTS/FEE_PAYMENT + +7.010 + +FeeActualPaymentAmount + +2110.00 + +7.008 + +FeePaymentPaidByType + +7.009 + +FeePaymentPaidOutsideOfClosingIndicato +r + +Buyer + +false + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FE +E_INFORMATION/FEES/FEE[IntegratedDisclosureSectionType="OriginationCharges"]/FEE_DETAIL diff --git a/chunks/txt/88dd5ad8476d3f453ec0d89fc9841c8942bc3c76649bb40c7a720f453d8616bc.txt b/chunks/txt/88dd5ad8476d3f453ec0d89fc9841c8942bc3c76649bb40c7a720f453d8616bc.txt new file mode 100644 index 0000000000000000000000000000000000000000..b43aca81c0c6d1425d59a481ca30e98b2564219d --- /dev/null +++ b/chunks/txt/88dd5ad8476d3f453ec0d89fc9841c8942bc3c76649bb40c7a720f453d8616bc.txt @@ -0,0 +1,33 @@ +Uniform Appraisal Dataset (UAD) Specification + +Issued by Fannie Mae and Freddie Mac +Appendix B-1: URAR Implementation iGuide - Supplement - +Usability and Implementation Guidance +Document Version 1.0 +December 12, 2023 + +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. +©2023 Freddie Mac and Fannie Mae. Trademarks of the respective owners. + +Revision History + +Date + +Version Revision Description + +12/12/2023 + +1.0 + +Initial publication + +Appendix B-1 URAR Implementation Guide - Supplement - Usability and Implementation Guidance v1.0 + +Page 2 + +Table of Contents + +Revision History .............................................................................................................................................. 2 + +Table of Contents ............................................................................................................................................ 3 diff --git a/chunks/txt/88de99220a15d136a0cb498e2d8c0dd59a31e0b6a67dbed8a45c651c404570c5.txt b/chunks/txt/88de99220a15d136a0cb498e2d8c0dd59a31e0b6a67dbed8a45c651c404570c5.txt new file mode 100644 index 0000000000000000000000000000000000000000..66a4b5d8a86aa37373f745cbd4d491ebc03fc525 --- /dev/null +++ b/chunks/txt/88de99220a15d136a0cb498e2d8c0dd59a31e0b6a67dbed8a45c651c404570c5.txt @@ -0,0 +1,27 @@ +Land Use + +Overview + +Market area characteristics and trends influence the value of one- to four-unit residences and an analysis of the subject property’s +market is a key element in the appraisal process. Market area is defined as the geographic region, for a subject property, from +which most demand comes and in which most of the competition is located. + +Market Area Boundaries, Description and Analysis + +Fannie Mae requires the appraiser to perform an objective analysis of the market area by identifying its boundaries, +characteristics, and factors affecting value and marketability. + +• Market Area Boundaries. The appraiser should provide an outline of the market area boundaries, which should be + +clearly delineated using ‘North,’ ‘South,’ ‘East,’ and ‘West.’ These boundaries may include, but are not limited to, streets, +legally recognized market area boundaries, waterways, or other natural boundaries that define the separation of one +market area from another. A map of the market area boundaries showing Active Listings, Pending Sales, and the Sales in +Lookback Period may be provided, which will display as part of Market Exhibits in the appraisal report. + +• Market Characteristics. These can be addressed by the types of structures (detached, attached) and architectural styles +(such as row or townhouse, colonial, ranch, or Victorian); current land use (such as single-family residential, commercial, +or industrial); typical site size (such as 10,000 sf, or 2.00 ac); or street patterns or design (such as one-way street, cul-de- +sac, or court). +Factors that affect value and marketability. These can be addressed by such things as the proximity of the property to +employment and amenities, appeal to the market, changes in land use, access to public transportation, and adverse +environmental influences. diff --git a/chunks/txt/88e78e13afffe2941acbd9cd6396442f842120c774ff356e65ae3d2319b7c3ed.txt b/chunks/txt/88e78e13afffe2941acbd9cd6396442f842120c774ff356e65ae3d2319b7c3ed.txt new file mode 100644 index 0000000000000000000000000000000000000000..02ed3f1a6ff4e7248738fe80d49dec0acb35d169 --- /dev/null +++ b/chunks/txt/88e78e13afffe2941acbd9cd6396442f842120c774ff356e65ae3d2319b7c3ed.txt @@ -0,0 +1,82 @@ +23.01.01 + +23.01.02 + +23.01.03 + +23.01.04 + +23.01.05 + +23.01.06 + +23.01.07 + +23.01.08 + +23.01.09 + +23.01.10 + +23.01.11 + +23.01.12 + +23.01.15 + +23.01.13 + +23.01.14 + +23.01.16 + +23.01.17 +23.01.18 + +23.01.19 + +23.01.22 + +23.01.20 + +23.01.21 + +23.01.23 + +23.01.24 + +23.01.25 + +23.02.01.1 + +23.02.03.1 + +23.02.01 + +23.02.02 + +23.02.03 + +23.02.04 + +23.02.05 + +23.02.06 + +(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) + +23.03.01 + +23.03.24 + +23.03.02 + +23.03.03 + +23.03.04 + +23.03.05 +23.03.06 + +23.03.07 diff --git a/chunks/txt/88f16b5769d70130915c6393898e80fc63ebb20e791e88047a86f64a3fa5bb35.txt b/chunks/txt/88f16b5769d70130915c6393898e80fc63ebb20e791e88047a86f64a3fa5bb35.txt new file mode 100644 index 0000000000000000000000000000000000000000..7b5fb1aac30c155fa52c56aa8106a2f920106d6d --- /dev/null +++ b/chunks/txt/88f16b5769d70130915c6393898e80fc63ebb20e791e88047a86f64a3fa5bb35.txt @@ -0,0 +1,91 @@ +Attic Exists: Indicates whether the structure has an attic. +Notes: +• + +For VA appraisals, “Yes” or “No” displays and no additional attic +information is required. +For FHA and USDA appraisals: + +• + +o When there is no attic, “No” displays. +o When there is an attic, additional attic information is required. + +Yes +No (Inaccessible) + +Attic Accessible for Observation: Indicates whether the attic is accessible for +visual observation. +• +• +Visual Observation Completed: Indicates whether a visual observation of the +attic, as defined by the applicable organization, was completed. +• +• + +Yes (Visual Observation Completed) +No (No Visual Observation Completed) + +Remaining Economic Life and Effective Age + +Remaining Economic Life and Effective Age display in the Dwelling Exterior section for government agency +appraisals when there is no Cost Approach section. Reference the appropriate government agency appraisal +guidelines for more information. + +Report +Field ID + +8.018 + +Dwelling Exterior: Remaining Economic Life and Effective Age + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Remaining +Economic Life + +Displays for FHA, +USDA, and VA +appraisals when Cost +Approach Developed +by Appraiser is No + +Number of years + +The estimated number of years of the structure's remaining economic life. + +Appendix F-1: URAR Reference Guide + +Page 99 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +08 Dwelling Exterior + +Dwelling Exterior: Remaining Economic Life and Effective Age + +Report +Field ID + +Report Label + +When to Include + +8.019 + +Effective Age + +8.020 + +Commentary on +Remaining +Economic Life diff --git a/chunks/txt/88f4c2b991d2c069fa3adfcebea315ed93db1902864854b6079e03f9a09e746c.txt b/chunks/txt/88f4c2b991d2c069fa3adfcebea315ed93db1902864854b6079e03f9a09e746c.txt new file mode 100644 index 0000000000000000000000000000000000000000..1add5f52285ed7889a762634c8a81406966800a6 --- /dev/null +++ b/chunks/txt/88f4c2b991d2c069fa3adfcebea315ed93db1902864854b6079e03f9a09e746c.txt @@ -0,0 +1,83 @@ + + + + + + + +Ficus Bank + + + + + + + + + + + + +5000.00 + false + Grant + PaidAlreadyByOrOnBehalfOfBorrowerAtClosing + OtherCredits + + + + + + + + +Community Lending + + + + + + + + + + + + + + + +FicusBank + + + + + + + + + + + + + + + +300.00 + +UCD v2.0 Implementation Guide + +- 43 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 30. XML Snippet - Example of Closing Adjustment Items. + +false/ClosingAdjustmentItemPaidOutsideOfClosingIndicator> + RelocationFunds + PaidAlreadyByOrOnBehalfOfBorrowerAtClosing + OtherCredits diff --git a/chunks/txt/88f6d35b538fe6bd5adcb03e0b7a3640ab9b7cbd59b3882193bb7c9edb523b36.txt b/chunks/txt/88f6d35b538fe6bd5adcb03e0b7a3640ab9b7cbd59b3882193bb7c9edb523b36.txt new file mode 100644 index 0000000000000000000000000000000000000000..b6132388141417d44cf25a29b7b3f39a3c29de98 --- /dev/null +++ b/chunks/txt/88f6d35b538fe6bd5adcb03e0b7a3640ab9b7cbd59b3882193bb7c9edb523b36.txt @@ -0,0 +1,105 @@ +When not provided, do not display report label. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 96 + +Report +Field ID + +Report Label + +Unique ID + +MISMO Data Point Name + +Display Rules + +Assignment Information: Contact Information – Appraiser + +2.027 + +Expires + +2400.0053 + +LicenseExpirationDate + +2.028 + +ASC Identifier + +2400.0048 + +AppraisalSubCommitteeAppraiserIdentifier + +2.029 + +VA Appraiser ID + +2400.0256 +2400.0258 + +AgencyAppraiserIdentifierType +AgencyAppraiserIdentifier + +2.030 + +FHA Appraiser ID + +2400.0256 + +AgencyAppraiserIdentifierType + +2400.0258 + +AgencyAppraiserIdentifier + +Required when AppraiserLicenseType <> “None” + +When not provided, do not display report label + +Display when provided. + +When not provided, do not display report label. + +Display when GovernmentAgencyAppraisalType "VA" + +Display when GovernmentAgencyAppraisalType "FHA" + +2.031 + +Employment Type + +1000.0006 + +AppraiserEmploymentType + +Display when GovernmentAgencyAppraisalType "VA" + +Supervisory Appraiser + +Information about the Supervisory Appraiser displays based on PartyRoleType (UID: 2200.0085, FID: Not on report) = “AppraiserSupervisor”. +If there is no Supervisory Appraiser, the subsection does not display. + +Note: To easily find data points in the UAD Specification, search for “Supervisory + +Appraiser” under the “Additional Context” column. + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 97 + +Assignment Information: Contact Information – Supervisory Appraiser + +Report +Field ID + +Report Label + +Unique ID MISMO Data Point Name + +Display Rules + +When PartyRoleType (UID: 2200.0085, FID: Not on report) = +“AppraiserSupervisor” … diff --git a/chunks/txt/890fe4a96b87635ab26eaa014e7d0b3f50bd6c19e848867a4e79677e9707533d.txt b/chunks/txt/890fe4a96b87635ab26eaa014e7d0b3f50bd6c19e848867a4e79677e9707533d.txt new file mode 100644 index 0000000000000000000000000000000000000000..a826716c47fc40027eeba5059ef9d96a51d92fa7 --- /dev/null +++ b/chunks/txt/890fe4a96b87635ab26eaa014e7d0b3f50bd6c19e848867a4e79677e9707533d.txt @@ -0,0 +1,39 @@ +This field occurs on every page of the form and must be consistent. The placement +of the header on the form varies from vendor to vendor. + +This field may not exist in all forms vendor +software. + +This field may not exist in all forms vendor +software. + +This field occurs on every page of the form and must be consistent. The placement +of the header on the form varies from vendor to vendor. The print reference +placement on Appendix C is not required and is for illustrative purposes only. +UAD Requirement - Refer to Appendix D Subject Section +Must conform to USPS (Pub 28). The following address elements must be included +in this field: +· Street number +· Street name (including applicable pre-directional indicator, suffix, and/or post- +directional indicator) +· Address unit designator and number (if applicable) +This data is referenced more than once on the form (field 1-6, 2-11, 6-19), and must +be represented consistently. +UAD Requirement - Refer to Appendix D Subject Section +Must conform to USPS (Pub 28). The following address element must be included +in this field: +· City +This data is referenced more than once on the form (field 1-7, 2-12a, 6-20a) and +must be represented consistently. +UAD Requirement - Refer to Appendix D Subject Section +Must conform to USPS (Pub 28). The following address element must be included +in this field: +· USPS two-letter state or territory representation +This data is referenced more than once on the form (fields 1-8, 2-12b, 6-20b), and +must be represented consistently. +UAD Requirement - Refer to Appendix D Subject Section +Must conform to USPS (Pub 28). The following address element must be included +in this field: +· 5-digit ZIP Code or ZIP+4 Code (with or without the dash) +This data is referenced more than once on the form (fields 1-9, 2-12c, 6-20c) and +must be represented consistently. diff --git a/chunks/txt/892ea9bd447e910a4a01249b3570b7a848d36347b6d95aadd631c2597134b659.txt b/chunks/txt/892ea9bd447e910a4a01249b3570b7a848d36347b6d95aadd631c2597134b659.txt new file mode 100644 index 0000000000000000000000000000000000000000..d94c8e803fdde9ea8b2504a56958e86340b51e4c --- /dev/null +++ b/chunks/txt/892ea9bd447e910a4a01249b3570b7a848d36347b6d95aadd631c2597134b659.txt @@ -0,0 +1,170 @@ +12 + +Enumerated + +Allowable Values PDF Display +WalkOut wo +WalkUp wu +InteriorOnly in + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +This field is required if the value of +field e-18 (GSE Below Grade Total +Square Feet Number) is greater than +zero. + +CR + +CR + +CR + +362 + +3 + +e-21 + +SALES +COMPARISON +APPROACH + +Rooms Below Grade +(line 2) + +(Below Grade Rec Room +Count) + +GSE Below Grade +Recreation Room +Count + +The number of recreation rooms below +grade. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D +ETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex +tensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM +PARISON_DETAIL/@GSEBelowGradeRecreationRoomCount + +363 + +3 + +e-22 + +Rooms Below Grade +(line 2) + +(Below Grade Bedroom Count) + +SALES +COMPARISON +APPROACH + +GSE Below Grade +Bedroom Room +Count + +The number of bedrooms below grade. + +364 + +3 + +e-23 + +SALES +COMPARISON +APPROACH + +Rooms Below Grade +(line 2) + +(Below Grade Bathroom Count) + +GSE Below Grade +Bathroom Room +Count + +The number of bathrooms below grade. + +365 + +366 + +367 + +368 + +369 + +370 + +3 + +3 + +3 + +3 + +3 + +3 + +Rooms Below Grade +(line 2) + +e-24 + +SALES +COMPARISON +APPROACH + +(Below Grade Other Room +Count) + +GSE Below Grade +Other Room Count + +The number of finished rooms other than +recreation rooms, bedrooms, and +bathrooms in the below grade space. + +39 + +40 + +41 + +42 + +43 + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +Functional Utility + +Heating/Cooling diff --git a/chunks/txt/89403f88d0561abb41a3523a3ed0d6925bdec8f67e5572c1f63434f1c585b8e3.txt b/chunks/txt/89403f88d0561abb41a3523a3ed0d6925bdec8f67e5572c1f63434f1c585b8e3.txt new file mode 100644 index 0000000000000000000000000000000000000000..a77870082c77d0867c02b1fc1d6ae04b23900d5d --- /dev/null +++ b/chunks/txt/89403f88d0561abb41a3523a3ed0d6925bdec8f67e5572c1f63434f1c585b8e3.txt @@ -0,0 +1,41 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +## Breadcrumb + +- [Home](/) + - [FHFA Data](/data) + - Dashboards + +# Dashboards + +- ## Conforming Loan Limit Values Map + +Fannie Mae and Freddie Mac are restricted by law to purchasing single-family mortgages with origination balances below a specific amount, known as the “conforming loan limit” (CLL) value. The CLL values are set by FHFA on an annual basis and vary geographically, using guidelines specified in the Housing and Economic Recovery Act of 2008 (HERA) and as modified in subsequent legislation. This map shows Fannie Mae and Freddie Mac single-family maximum allowable mortgage origination balances by county. diff --git a/chunks/txt/89512f80ef80a1a0a7ac6cb6f1fac5e4286437b5221f122fa683aee7a4777714.txt b/chunks/txt/89512f80ef80a1a0a7ac6cb6f1fac5e4286437b5221f122fa683aee7a4777714.txt new file mode 100644 index 0000000000000000000000000000000000000000..ea9cf502e4ce14e27fab8b4ca9c425c9b6c942df --- /dev/null +++ b/chunks/txt/89512f80ef80a1a0a7ac6cb6f1fac5e4286437b5221f122fa683aee7a4777714.txt @@ -0,0 +1,117 @@ +Table 118. Borrower’s Satisfaction of Seller’s Lien + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +12.4 Satisfaction of Jr. Lien +($5,000 POC by +Borrower) + +…/CLOSING_ADJUST +MENT_ITEM_DETAIL + +LiabilityDescription + +Satisfaction of Jr. Lien +($5,000 POC by +Borrower) + +12.4 N/A + +…/DEAL/LIABILITIES/L +IABILITY/LIABILITY_DE +TAIL + +gse:IntegratedDisclos +ureSectionType + +PaidAlreadyByOrOnB +ehalfOfBorrowerAtCl +osing + +Since this is a string +field, the text is +represented on the +form exactly as +provided + +Not Shown + +12. 5 SELLER CREDI T + +If the borrower receives any of the following items from the property seller, the lump sum amount is disclosed +as Seller Credit: a non-specific credit for closing costs, a separate purchase allowance, or any other payments +such as to address issues identified at a walk-through of the property. The data points used to provide this +information are shown in Table 119. + +Summaries of Transactions +BORROWER’S TRANSACTION + +12.0 L. Paid Already by or on Behalf of Borrower at Closing 12.0.1 $227,015.00 + +05 12.4Satisfaction of Junior Lien ($5,000 POC + +12.4.1 + +Borrower) + +0612.5 Seller Credit + +12.5.1 + +$2,500.00 + +Figure 103. Seller Credit + +Table 119. Seller Credit + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +12.5.1 Seller Credit ($) + +…/CLOSING_ADJUST +MENT_ITEM_DETAIL + +ClosingAdjustmentIte +mAmount + +2500.00 + +ROF as “$2,500.00” + +Not reflected on +form unless “true” + +ClosingAdjustmentIte +mPaidOutsideOfClosi +ngIndicator + +false + +ClosingAdjustmentIte +mType + +SellerCredit diff --git a/chunks/txt/895c52d61f3ca9f5e937725536d6702343e79f69775a9cb29d88be65926f0d48.txt b/chunks/txt/895c52d61f3ca9f5e937725536d6702343e79f69775a9cb29d88be65926f0d48.txt new file mode 100644 index 0000000000000000000000000000000000000000..b176954c5b52c0d16ea67538ecbb5d44b8b3055d --- /dev/null +++ b/chunks/txt/895c52d61f3ca9f5e937725536d6702343e79f69775a9cb29d88be65926f0d48.txt @@ -0,0 +1,41 @@ +The second home information is placed in Section 3 b. + +6 + +In the XML file, the Gross and Net Rental Income will be placed in the +OWNED_PROPERTY_DETAIL container. The OwnedPropertySubjectIndicator +(Unique ID 5.0130) should be set to “true” to show that this is the same property that +will be listed under SUBJECT_PROPERTY. + +The number of units will be placed +SUBJECT_PROPERTY. + +in + +the PROPERTY_DETAIL container under + +When the loan is submitted to DU, the Net Rental Income from the XML will show up in the +Findings as Subject Positive Cash Flow. The Debt-To-Income (DTI) and Housing Expense ratios +will include the Subject Positive Cash Flow in the income amount for the borrower(s) as shown +below: + +7 + +8 + +Scenario 2 – A four-unit primary residence (which is not the subject property) has rental income +from the additional units. The second home owned by the borrower is being refinanced. + +The second home that is being refinanced (and is the subject property) will be placed in section 3a. +of the redesigned URLA. + +The four-unit primary residence will be placed in section 3b. of the redesigned URLA. +The Gross Rental Income will be entered by the borrower and the Net Rental Income +should be calculated and entered by the lender. DU will use 75% of the Gross Rental +Income to determine the Net Rental Income if the lender does not provide this +information. + +In the XML file, the Gross and Net Rental Income will be placed in the +OWNED_PROPERTY_DETAIL container. The OwnedPropertySubjectIndicator +(Unique ID 5.0130) should be set to “false” and the SUBJECT_PROPERTY will not +need the FinancedUnitCount populated. diff --git a/chunks/txt/8964da5b0f33f0a0c08d7de8aa77291cd9875d6e55cb11475138cf05c9449051.txt b/chunks/txt/8964da5b0f33f0a0c08d7de8aa77291cd9875d6e55cb11475138cf05c9449051.txt new file mode 100644 index 0000000000000000000000000000000000000000..67569c8096f09931687c442f8190ad2dcf38f9ee --- /dev/null +++ b/chunks/txt/8964da5b0f33f0a0c08d7de8aa77291cd9875d6e55cb11475138cf05c9449051.txt @@ -0,0 +1,104 @@ +7 + +1 + +same_year_acq + +Date of Mortgage Note + +1 = Originated in same calendar year +as acquired +2 = Originated prior to calendar year of +acquisition +9 = Missing + +SF NFB + +9 + +Federal Housing +Finance Agency + +Field # Field +Width +1 + +8 + +Enterprise Public Use Database Data Dictionary +Data Release of 2024 Acquisitions + +Single-Family Properties +National File B + +Header Name + +Field Name + +Values + +Description / Comments + +purpose_sf_nfb + +Purpose of Loan + +1 = Purchase* +2 = Refinancing (all types) +3 = Second mortgage +4 = Home Improvement/Rehabilitation +9 = Not applicable/not available + +Purpose of loan reported by the Enterprise. +FHA Title 1 loans (see field #9) are coded as +“9". * Purchases include subordinate liens +and home improvement/rehabilitation loans +that are associated with a home purchase. + +9 + +1 + +fed_guarantee_sf_nfb + +Federal Guarantee + +*Also includes other federally guaranteed +loans. + +1 = FHA/VA +2 = Rural Housing Service (RHS) - +guaranteed rural housing loan* +3 = Home Equity Conversion Mortgage +(HECM) +4 = No Federal Guarantee (i.e., +Conventional) +5 = Title 1 – FHA + +10 + +1 + +seller_type_sf_nfb + +Type of Seller Institution 1 = Mortgage company + +2 = Savings Association Insurance +Fund (SAIF)-insured depository +institution +3 = Bank Insurance Fund (BIF)-insured +depository institution +4 = Credit union insured by the +National Credit Union Administration +(NCUA) +5 = Other/unknown + +The type of seller that sold the mortgage to the +Enterprise; this is not necessarily the +originating lender. The SAIF and BIF were +merged in 2006 to form the Deposit Insurance +Fund (DIF), see +https://www.fdic.gov/news/financial- +institution-letters/2006/fil06036.html.(cid:3) +Analysts may treat values of ‘2’ and ‘3’ equally +in the post-2006 PUDBs. diff --git a/chunks/txt/8969ec4a735e6dec5cfc0fda9a306fd07a9c742ece4c26cf059c0516c03932e5.txt b/chunks/txt/8969ec4a735e6dec5cfc0fda9a306fd07a9c742ece4c26cf059c0516c03932e5.txt new file mode 100644 index 0000000000000000000000000000000000000000..0ab8d936a048265c597ef6f0da94ea75f6488c8c --- /dev/null +++ b/chunks/txt/8969ec4a735e6dec5cfc0fda9a306fd07a9c742ece4c26cf059c0516c03932e5.txt @@ -0,0 +1,69 @@ +Enumerated UAD Requirement - Refer to Appendix D Neighborhood Section + +Enumerated UAD Requirement - Refer to Appendix D Neighborhood Section + +Enumerated UAD Requirement - Refer to Appendix D Neighborhood Section + +Enumerated UAD Requirement - Refer to Appendix D Neighborhood Section + +Enumerated UAD Requirement - Refer to Appendix D Neighborhood Section + +Enumerated UAD Requirement - Refer to Appendix D Neighborhood Section + +Enumerated UAD Requirement - Refer to Appendix D Neighborhood Section + +One and only one of fields 1-52, 1-53, 1-54 +(values of Property Neighborhood Location +Type) should be indicated. +One and only one of fields 1-52, 1-53, 1-54 ( +values of Property Neighborhood Location +Type) should be indicated. +One and only one of fields 1-52, 1-53, 1-54 ( +values of Property Neighborhood Location +Type) should be indicated. + +One and only one of fields 1-55, 1-56, 1-57 ( +values of Neighborhood Builtup Range Type) +should be indicated. + +One and only one of fields 1-55, 1-56, 1-57 ( +values of Neighborhood Builtup Range Type) +should be indicated. + +One and only one of fields 1-55, 1-56, 1-57 ( +values of Neighborhood Builtup Range Type) +should be indicated. + +One and only one of fields 1-58, 1-59, 1-60 +(values of Neighborhood Growth Pace Type) +should be indicated. +One and only one of fields 1-58, 1-59, 1-60 +(values of Neighborhood Growth Pace Type) +should be indicated. +One and only one of fields 1-58, 1-59, 1-60 +(values of Neighborhood Growth Pace Type) +should be indicated. +One and only one of fields 1-61, 1-62, 1-63 +(values of Neighborhood Property Value +Trend Type) must be indicated. +One and only one of fields 1-61, 1-62, 1-63 +(values of Neighborhood Property Value +Trend Type) must be indicated. +One and only one of fields 1-61, 1-62, 1-63 +(values of Neighborhood Property Value +Trend Type) must be indicated. +One and only one of fields 1-64, 1-65, 1-66 +(values of Neighborhood Demand and Supply +Type) must be indicated. +One and only one of fields 1-64, 1-65, 1-66 +(values of Neighborhood Demand and Supply +Type) must be indicated. +One and only one of fields 1-64, 1-65, 1-66 +(values of Neighborhood Demand and Supply +Type) must be indicated. +One and only one of fields 1-67, 1-68, 1-69 +(values of Neighborhood Typical Marketing +Time Duration Type) must be indicated. +One and only one of fields 1-67, 1-68, 1-69 +(values of Neighborhood Typical Marketing +Time Duration Type) must be indicated. diff --git a/chunks/txt/8975568da3a71437bef64af7df58e0631eb2cb0550575d24ff1bcddcd6200a46.txt b/chunks/txt/8975568da3a71437bef64af7df58e0631eb2cb0550575d24ff1bcddcd6200a46.txt new file mode 100644 index 0000000000000000000000000000000000000000..152442e799d3b4b2d6feb857511779ab65cd6090 --- /dev/null +++ b/chunks/txt/8975568da3a71437bef64af7df58e0631eb2cb0550575d24ff1bcddcd6200a46.txt @@ -0,0 +1,7 @@ +XML Content Section ......................................................................................................................... 19 + +Form Header Section .......................................................................................................................... 19 + +Section 1: Borrower Information ........................................................................................................ 20 + +Section 2: Financial Information – Assets and Liabilities .................................................................. 24 diff --git a/chunks/txt/897d04abdd5ae3b3134878e3abbc49443b395663469642b58ad86e36b3675cdf.txt b/chunks/txt/897d04abdd5ae3b3134878e3abbc49443b395663469642b58ad86e36b3675cdf.txt new file mode 100644 index 0000000000000000000000000000000000000000..f7db0e0b9dd76d5588df0bb0ce66d41624ad0d9d --- /dev/null +++ b/chunks/txt/897d04abdd5ae3b3134878e3abbc49443b395663469642b58ad86e36b3675cdf.txt @@ -0,0 +1,48 @@ +• Site +• Dwelling Exterior +• Unit Interior +• Outbuilding +• Vehicle Storage +• Amenities + +Appendix B-1: URAR Implementation Guide v1.3 + +Page 57 + +Additional considerations: + +• Each defect is included once in the XML and displays in the section where identified + +o Defects may redisplay in the Reconciliation and/or Summary sections + +• + +Image data associated with each defect must be included in the IMAGE container located in the instance of the DEFECT container +that is representing the defect. One to many images can be provided for a defect by repeating the IMAGE container in the same +instance of the DEFECT container. + +Site + +• Each defect associated with the site must use DefectComponentLabelType = “Other” and DefectItemLocationType = “Other”. +• Each of these DEFECT containers must be linked with an arcrole to the SITE container. + +Dwelling Exterior + +Defects pertaining to the dwelling exterior, mechanical systems, or noncontinuous finished area are linked to the structure where the +defect is identified. + +A DefectComponentLabelType is used for reporting defects associated with the dwelling. Each of these DEFECT containers must be linked +with an arcrole to the instance of the IMPROVEMENT container (ImprovementType = “Dwelling”) where the defect is identified. + +• Exterior Walls and Trim +• Foundation +• Mechanical System +• Roof +• Windows +• Other (Describe) + +Appendix B-1: URAR Implementation Guide v1.3 + +DefectComponentLabelType = “Other” and DefectComponentLabelTypeOtherDescription must be used to report defects that are +pertaining to other components of the dwelling and these DEFECT containers must also be linked with an arcrole to the appropriate +instance of the IMPROVEMENT container. diff --git a/chunks/txt/89899945981d57331c443db1a8bdd8e4e3dc4c10d3ea3d094c29482492318775.txt b/chunks/txt/89899945981d57331c443db1a8bdd8e4e3dc4c10d3ea3d094c29482492318775.txt new file mode 100644 index 0000000000000000000000000000000000000000..447c61167e3a8e4cf78aec66701f0568d09e69cb --- /dev/null +++ b/chunks/txt/89899945981d57331c443db1a8bdd8e4e3dc4c10d3ea3d094c29482492318775.txt @@ -0,0 +1,48 @@ +The ROV process must include a review and resolution procedure for the ROV request, and steps for the borrower(s) to appeal an +appraisal when it is believed the opinion of value + +is unsupported, + +• +• may be deficient due to unacceptable appraisal practices, or +• + +reflects prohibited discriminatory practices. + +Regardless of the outcome of the ROV, the lender is responsible for ensuring the appraisal report and opinion of market value are +reliable and adequately supported. + +The lender must provide a disclosure to the borrower outlining the ROV process when the appraisal report is provided to the +borrower. The disclosure must make it clear that only one borrower-initiated ROV is permitted per appraisal. The following table +describes the information required to initiate the ROV process. + +✓ + +The borrower-initiated ROV must include… + +• Borrower(s) name, +• Property address, +• +• Appraiser name, and +• Date of the ROV request. + +Effective date of the appraisal, + +Identification and description of unsupported, inaccurate, or deficient areas in the appraisal report. +Additional data, information, or comparable properties (not to exceed five), and the related data sources (for +example, the MLS listing number). +An explanation of why the new data supports the ROV. + +In addition to the borrower ROV submission requirements, the lender's ROV policies and procedures must include instructions on +required information for a borrower-submitted ROV and standardized communication to the appraiser. The following table +describes additional lender requirements. + +✓ + +The lender must… +complete its appraisal review before initiating the ROV process. +designate an underwriter or other appraisal subject matter expert to review the ROV request. +validate the request from the borrower contains sufficient details prior to sending to the appraiser. +obtain the necessary information from the borrower if the ROV request is unclear or needs more information. +align its ROV policies and procedures with Appraiser Independence Requirements (AIR). +standardize communication to the appraiser, that contains the following: diff --git a/chunks/txt/8994d42916b26a028d64cbd8605b6c2bf42d671d07824db0c67bcae20198c44c.txt b/chunks/txt/8994d42916b26a028d64cbd8605b6c2bf42d671d07824db0c67bcae20198c44c.txt new file mode 100644 index 0000000000000000000000000000000000000000..32bd0b69ec47a6895a6ef95aaf3c8795c654b1ad --- /dev/null +++ b/chunks/txt/8994d42916b26a028d64cbd8605b6c2bf42d671d07824db0c67bcae20198c44c.txt @@ -0,0 +1,102 @@ +[ADDRESS] + +SUMMARY + +Opinion of Market Value + +(Cooperative Interest) + +Market Value Condition + +Final Value Condition Statement + +Effective Date of Appraisal +Assignment Reason +Borrower Name +Current Owner of Public Record +Contract Price +Listing Status + +Property Description + +Construction Method +Attachment Type +Structure Design + +Planned Unit Development (PUD) +Condominium +Cooperative +Condop +Observed Project Deficiencies +Subject Site Owned in Common + +Units Excluding ADUs +Accessory Dwelling Units +Property Rights Appraised + +Is the highest and best use of the subject property as +improved (or as proposed per plans and specifications) +the present use? + +Property Restriction +Encroachment +Zoning Compliance +HUD Data Plate Attached +HUD Label Present for All Sections + +Property Valuation Method +Appraiser Name + +Overall Quality +Overall Condition + +Yes No +  +  +  +  +  +  + +Yes No +  + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +Apparent Defects, Damages, Deficiencies Requiring Action + +The items listed below represent the As Is condition as of the effective date of this report + +Affects Soundness +or Structural +Integrity + +Recommended +Action + +Estimated Cost +to Repair + +Feature +Site + +Location + +Description + +Dwelling Exterior - [Structure Identifier] + +Unit Interior - [Structure Identifier] - [Unit Identifier] + +Outbuilding - [Outbuilding Type] + +Unit Interior - [Outbuilding Type] - [Unit Identifier] + +Vehicle Storage + +Subject Property Amenities + +As Is Overall Condition Rating + +Existing condition of the property as of the effective date of this +appraisal, excluding all required repairs, alterations, or inspections diff --git a/chunks/txt/89b450e463d62cac0e889796deed019eacc1b236f925c11b99db70ba0c8b6305.txt b/chunks/txt/89b450e463d62cac0e889796deed019eacc1b236f925c11b99db70ba0c8b6305.txt new file mode 100644 index 0000000000000000000000000000000000000000..54d7e13fe7a8f87466420d5a734cbd8df4dbc059 --- /dev/null +++ b/chunks/txt/89b450e463d62cac0e889796deed019eacc1b236f925c11b99db70ba0c8b6305.txt @@ -0,0 +1,125 @@ +PrepayP + +Prepayment Penalty Expiration Date + +employed. 0=No, 1=Yes +PT01=Single family detached; PT02=Deminimus PUD; +PT03=Single family attached; PT04=Two family; +PT05=Townhouse; PT06=Low-rise condo; PT07=PUD; +PT08=Duplex; PT09=Three family; PT10=Four family; +PT11=Hi-res condo; PT12=Manufactured home not +chattel; PT13=Manufactured home chattel; PT14=Five +plus multifamily + +01=11th District cost of funds; 02=Other cost of funds; +03=LIBOR; 04=1 year constant Treasury Rate; 99=Not +an ARM +Margin added to the index used for the calculation of +the interest on an ARM. 9999=Not Applicable + +Date when prepayment penalty ends; report 9999-12- +31 if not applicable + +45 + +Borrower1EthnicityType + +BoEth + +Borrower1 Ethnicity Type + +46 + +Borrower1Race2Type + +Race2 + +Borrower1 Race2 Type + +47 + +Borrower1Race3Type + +Race3 + +Borrower1 Race3 Type + +48 + +Borrower1Race4Type + +Race4 + +Borrower1 Race4 Type + +49 + +Borrower1Race5Type + +Race5 + +Borrower1 Race5 Type + +50 + +Borrower2EthnicityType + +CoEth + +Borrower2 Ethnicity Type + +51 + +Borrower2Race2Type + +CoRace2 + +Borrower2 Race2 Type + +52 + +Borrower2Race3Type + +CoRace3 + +Borrower2 Race3 Type + +53 + +Borrower2Race4Type + +CoRace4 + +Borrower2 Race4 Type + +54 + +Borrower2Race5Type + +CoRace5 + +Borrower2 Race5 Type + +55 HOEPALoanStatusType + +HOEPA + +HOEPA Loan Status Type + +56 + +LienPriorityType + +LienStatus + +Lien Priority Type + +1=Hispanic or Latino; 2=Not Hispanic or Latino; +3=Information not provided; 4=Not applicable (First or +primary borrower is an institution, corporation or +partnership) +1=American Indian or Alaska Native; 2=Asian; 3=Black +or African American; 4=Native Hawaiian or other +Pacific Islander; 5=White; 6=Information not provided; +7=Not Applicable (borrower is an institution, +corporation or partnership) diff --git a/chunks/txt/89b6b7afc3622b48f503da74b4da5f7bee8b975b9f21583320b71920489dab00.txt b/chunks/txt/89b6b7afc3622b48f503da74b4da5f7bee8b975b9f21583320b71920489dab00.txt new file mode 100644 index 0000000000000000000000000000000000000000..56d36805ac002dbb0e622d228956ff2be686a2fb --- /dev/null +++ b/chunks/txt/89b6b7afc3622b48f503da74b4da5f7bee8b975b9f21583320b71920489dab00.txt @@ -0,0 +1,285 @@ +N/A + +N/A + +N/A + +N/A + +T + +T + +T + +T + +T + +T + +N/A + +R + +T + +R + +R + +R + +N/A + +N/A + +T + +T + +T + +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 + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +T + +T + +T + +N/A + +N/A + +N/A + +N/A + +N/A + +Page 9 of 211 + +Document Version 1.4 + +MISMO Data Point Name + +1004/70 + +1004 +Hybrid/ +70H + +1004 +Desktop/ +70D + +2055 + +1073/465 + +1073 +Hybrid/ +465H + +1073 +Desktop/ +465D + +1075/466 + +Foundation Feature Exists Indicator** + +T + +T + +T + +N/A + +N/A + +N/A + +N/A + +N/A + +.PROPERTY +..STRUCTURE +...BASEMENT +Square Feet Count + +Basement Finished Percent** + +Basement Finished Indicator** + +.PROPERTY +..STRUCTURE +...BASEMENT +.…BASEMENT_FEATURE +Basement Feature Type** + +Basement Feature Exists Indicator** + +.PROPERTY +..STRUCTURE +...INTERIOR_FEATURE +Interior Feature Type** + +Interior Feature Condition Description** + +.PROPERTY +..STRUCTURE +...HEATING +Heating Type** + +Heating Type Other Description** + +Heating Fuel Description** + +Heating Unit Description** + +.PROPERTY +..STRUCTURE +...COOLING +Cooling Centralized Indicator** + +Cooling Individual Indicator** + +Cooling Other Indicator** + +Cooling Unit Description** + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +N/A + +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 + +T + +T + +T + +T + +N/A + +N/A + +R + +R + +T + +T + +T + +T + +T + +T + +T + +T + +R + +R + +T diff --git a/chunks/txt/89bc329961811e3722185ebbcc75f04e2be252adff8e27a44b1f38ad0f954feb.txt b/chunks/txt/89bc329961811e3722185ebbcc75f04e2be252adff8e27a44b1f38ad0f954feb.txt new file mode 100644 index 0000000000000000000000000000000000000000..0fb1ad096e3f3906fc59b9ac5409ae9cc73cd7e2 --- /dev/null +++ b/chunks/txt/89bc329961811e3722185ebbcc75f04e2be252adff8e27a44b1f38ad0f954feb.txt @@ -0,0 +1,115 @@ +• 1075/466 + +View +The appraiser must provide one of the ratings +from the list below to describe the overall +effect on value and marketability of the view +factors associated with the subject property + +ABBREVIAT +ED ENTRY + +N + +B + +A + +OVERALL +VIEW +RATING + +Neutral + +Beneficial + +Adverse + +The appraiser must also provide at least one, +but not more than two, view factor(s) from the +list below to provide details about the overall +view rating selected above. + +Wtr + +Pstrl +Woods + +Prk + +Glfvw +CtySky + +Mtn + +Res +CtyStr + +Ind + +PwrLn +LtdSght + +See +Instructions +Below + +Water View + +Pastoral View +Woods View + +Park View + +Golf Course +View +City Street +View + +Mountain +View + +Residential +View +City Street +View + +Industrial +View + +Power Lines +Limited Sight + +Other – +Appraiser to +enter a +description of +the view * + +*Other: If a view factor not on this list +materially affects the value of the subject +property, the appraiser must enter a +description of the view associated with the +property (see second example below). The +description entered must allow a reader of the + +Page 21 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. + +appraisal report to understand what the view +associated with the property actually is. +Descriptors such as ‘None’, ‘N/A’, ‘Typical’, +‘Average’, etc., are unacceptable. +Descriptions should be entered carefully +because the same text will be represented in +both the Site section and the comparable +sales grid for the subject property. The text +must fit in the allowable space. diff --git a/chunks/txt/89bd198f2c01d80742af50b8ad74f76117542548544f4aa5173097541b321fdd.txt b/chunks/txt/89bd198f2c01d80742af50b8ad74f76117542548544f4aa5173097541b321fdd.txt new file mode 100644 index 0000000000000000000000000000000000000000..d2f10e5d63d72aaa09f50866a6791fc654031d95 --- /dev/null +++ b/chunks/txt/89bd198f2c01d80742af50b8ad74f76117542548544f4aa5173097541b321fdd.txt @@ -0,0 +1,57 @@ +1. Single-Family Data Field 63: Portfolio +Flag + +New data field 63, released in + +National File C, designates the following +values: + +1 = Not held on portfolio: Indicates + +the security backed by the high-cost +loan was sold in its entirety by the +Enterprise during the calendar year and +not repurchased as of year-end. + +2 = Retained on portfolio: Indicates + +the security backed by the high-cost +loan was sold in its entirety by the +Enterprise during the calendar year, but +that all or a portion of the security +collateralized by such high-cost loan +was repurchased by the Enterprise +during such calendar year and held at +year-end. + +These two data field values are + +intended to categorize the universe of +loans with a HMDA rate spread that are +purchased and securitized by the +Enterprises. + +2. Single-Family Data Field 64: Percent +Repurchased + +To accurately reflect the economic +value of the high-cost securitized loans +retained on portfolio, new data field 64, +released in National File C, identifies +the percentage of the outstanding +balance of the security collateralized by +the high-cost loan that the Enterprise +repurchased during the calendar year +and held at year-end. Where the +Enterprise did not repurchase any +portion of the security (portfolio flag = +1), the value will be 0. Where the +Enterprise repurchased all of the +security (portfolio flag = 2), the value +will be 1. Where the Enterprise +repurchased a portion of the security +collateralized by the high-cost loan +(portfolio flag = 2), the value will be the +percentage of the security repurchased +by the Enterprise represented as a +decimal between 0 and 1. diff --git a/chunks/txt/89bf84acaaa3f95c6edb28a8fe95a97345eff8158ded908418cb893032984584.txt b/chunks/txt/89bf84acaaa3f95c6edb28a8fe95a97345eff8158ded908418cb893032984584.txt new file mode 100644 index 0000000000000000000000000000000000000000..55e894e679aa94328085201d17832460d3b7a61b --- /dev/null +++ b/chunks/txt/89bf84acaaa3f95c6edb28a8fe95a97345eff8158ded908418cb893032984584.txt @@ -0,0 +1,176 @@ +Elevator | Indoor Fireplace - 1 + +Elevator | Indoor +Fireplace - 1 + +Deck | Deck + +Indoor +Fireplace - 1 + +Deck | Deck + +$5,000 + +Elevator | Indoor +Fireplace - 3 + +$(4,000) + +Property Address + +Property Amenities + +Outdoor Living + +Whole Home + +Vehicle Storage + +Type | Spaces | Detail + +Garage | 2 | Built-in 648 Sq. Ft. + +Garage | 2 | Built-in + +Garage | 2 | Built-in + +Garage | 2 | Built-in + +Summary + +List Price + +Contract Price + +Sale Price + +Net Adjustment Total + +Price Per Finished +Area Above Grade + +Adjusted Price + +Comparable Weight + +$875,000 + +$866,000 + +$875,000 + +— + +$870,000 + +$0 + +$266 + +$870,000 + +Most + +$799,900 + +— + +$780,000 + +$122,100 + +$392 + +$902,100 + +Most + +$840,000 + +— + +$835,000 + +$17,000 + +$243 + +$852,000 + +Less + +Indicated Value by Sales Comparison Approach + +Indicated Value + +$880,000 + +Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 15 of 22 + +Sales Comparison Approach (continued) + +General Information + +Property Address + +Subject Property + +Comparable #4 + +Comparable #5 + +1234 Anywhere Pl +Anywhere, MD 20854 + +2134 Nothing Hill Pl +Anywhere, MD 20854 + +7890 Some Pl +Anywhere, MD 20854 + +Data Source + +Proximity to Subject + +List Price + +Listing Status + +Contract Price + +Sale Price + +Sales Concessions + +Contract Date + +Sale Date + +Days on Market + +Attached/Detached + +Property Rights Appraised + +Site + +Site Size + +This is where the +Subject Property photo +would display. + +This is where the +Comparable 4 photo +would display. + +This is where the +Comparable 5 photo +would display. + +MLS XXXXX | Assessor Record MLS XXXXX | Assessor Record diff --git a/chunks/txt/89c03047661573bd6861f040bc946fdcf2ed65087fe25a902f08da6373fa8605.txt b/chunks/txt/89c03047661573bd6861f040bc946fdcf2ed65087fe25a902f08da6373fa8605.txt new file mode 100644 index 0000000000000000000000000000000000000000..4f879a47768f601b54c20eb8df3b34a67a82fc3a --- /dev/null +++ b/chunks/txt/89c03047661573bd6861f040bc946fdcf2ed65087fe25a902f08da6373fa8605.txt @@ -0,0 +1,145 @@ +T + +T + +T + +T + +T + +T + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D + +111 + +1 + +105 + +PROJECT SITE + +Utilities +Gas +Public + +Utilities +Gas +Other + +Site Utility Public +Indicator + +Indicates whether the utility specified by +Site Utility Type is a public utility. + +/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Gas']/ +@_PublicIndicator + +Site Utility Non +Public Indicator + +Indicates whether the utility specified by +Site Utility Type is a non-public utility. + +/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Gas']/ +@_NonPublicIndicator + +1 + +1 + +UAD Requirement - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the +box has not been checked. + +Boolean + +If no gas service is present, enter 'None' in the description field. + +UAD Requirement - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the +box has not been checked. + +Boolean + +If no gas service is present, enter 'None' in the description field. + +106 + +PROJECT SITE + +107 + +PROJECT SITE + +Utilities +Gas +Other (describe) + +Site Utility Non +Public Description + +A free-form text field used to describe the +ownership of the utility specified by Site +Utility Type if it is a non-public utility. + +/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Gas']/ +@_NonPublicDescription diff --git a/chunks/txt/89e3701385866398a2f41d6cc4e7658c71a411a0974c8b1e86a33aa18af74292.txt b/chunks/txt/89e3701385866398a2f41d6cc4e7658c71a411a0974c8b1e86a33aa18af74292.txt new file mode 100644 index 0000000000000000000000000000000000000000..5b174e0b7f215918bb3e3fb81f78e2b7ea12cb75 --- /dev/null +++ b/chunks/txt/89e3701385866398a2f41d6cc4e7658c71a411a0974c8b1e86a33aa18af74292.txt @@ -0,0 +1,128 @@ +Uniform Residential Appraisal Report + +Page 9 of 21 +Page 9 of 21 + +Unit Interior (continued) + +Level 1 - Kitchen + +Level 2 - Bath - Full - Bath 1 + +This is where the Kitchen photo would display. + +This is where the Full Bath photo would display. + +Level 2 - Bath - Full - Bath 2 + +Apparent Defects, Damages, Deficiencies - +Flooring - Damaged Flooring + +This is where the Full Bath photo would display. + +This is where the Damaged Flooring photo would display. + +Functional Obsolescence + +Functional Issues + +None + +Vehicle Storage + +Storage +Driveway + +Garage + +Number of Parking Spaces +2 + +2 + +Detail +Asphalt + +Built-in +460 Sq. Ft. + +Apparent Defects, Damages, Deficiencies (Vehicle Storage) + +None + +Vehicle Storage Exhibits + +Driveway - Garage + +This is where the Driveway - Garage photo would display. + +Appraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1) + +Uniform Residential Appraisal Report + +Page 10 of 21 +Page 10 of 21 + +Subject Property Amenities + +Amenity Category +Outdoor Accessories + +Outdoor Living + +Whole Home + +Miscellaneous + +Subject Property Amenity +Fence + +Deck + +Porch + +Indoor Fireplace + +Media Room + +Wet Bar + +Material + +Wood + +Concrete + +Apparent Defects, Damages, Deficiencies (Subject Property Amenities) + +None + +Subject Property Amenities Exhibits + +Media Room + +Detail + +400 Sq. Ft. + +351 Sq. Ft. + +Total Number - 1 + +This is where the Media Room photo would display. + +Overall Quality and Condition + +Overall Quality + +Exterior Quality +Interior Quality + +Q4 +Q4 +Q4 + +Overall Condition + +Exterior Condition +Interior Condition diff --git a/chunks/txt/89f4fc5b5634fdd7f16bfccebebcd89a491f5d205c7ab497a75e0b27c7002637.txt b/chunks/txt/89f4fc5b5634fdd7f16bfccebebcd89a491f5d205c7ab497a75e0b27c7002637.txt new file mode 100644 index 0000000000000000000000000000000000000000..838fa6710799079a1ea2e59094b5062777058b67 --- /dev/null +++ b/chunks/txt/89f4fc5b5634fdd7f16bfccebebcd89a491f5d205c7ab497a75e0b27c7002637.txt @@ -0,0 +1,25 @@ +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) + +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/13711","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/89fc9477e65eb2ba4c8f6998615aca1b35a6ce074a190056fecfaed5e288ae5e.txt b/chunks/txt/89fc9477e65eb2ba4c8f6998615aca1b35a6ce074a190056fecfaed5e288ae5e.txt new file mode 100644 index 0000000000000000000000000000000000000000..9e680b26c54d7022e115cde78f053e8464ff4bc4 --- /dev/null +++ b/chunks/txt/89fc9477e65eb2ba4c8f6998615aca1b35a6ce074a190056fecfaed5e288ae5e.txt @@ -0,0 +1 @@ +© 2026 Fannie Mae diff --git a/chunks/txt/8a03d9aba0f79be0a1002e2e64f7a552d677dd78c6c72cc68fdad169a4d46c7a.txt b/chunks/txt/8a03d9aba0f79be0a1002e2e64f7a552d677dd78c6c72cc68fdad169a4d46c7a.txt new file mode 100644 index 0000000000000000000000000000000000000000..00622d0059dd51d4f49cce4bfebd69666a000482 --- /dev/null +++ b/chunks/txt/8a03d9aba0f79be0a1002e2e64f7a552d677dd78c6c72cc68fdad169a4d46c7a.txt @@ -0,0 +1,73 @@ +CR + +CR + +CR + +String + +This is a free text field which should describe the heating/cooling. + +T + +T + +T + +Money + +String + +Money + +String + +Money + +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 +This is a free text field which must describe any energy efficient items. + +If none, the appraiser must indicate 'None'. + +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 + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +PDF Display Format: +Whole dollars only. + +The sum of this field 3-101 and fields +(3-60, 3-62, 3-64, 3-66, 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, 3-103, 3-105, 3-107, 3-109, 3-111) +must add up to Net Adjustment field 3- +116. + +The sum of this field 3-103 and fields +(3-60, 3-62, 3-64, 3-66, 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, 3-105, 3-107, 3-109, 3-111) +must add up to Net Adjustment field 3- +116. + +The sum of this field 3-105 and fields +(3-60, 3-62, 3-64, 3-66, 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, 3-107, 3-109, 3-111) +must add up to Net Adjustment field 3- +116. diff --git a/chunks/txt/8a049aaea0fc418414cdbd3e73c4f7656681cce6b36be03d52e5b04b80c33c16.txt b/chunks/txt/8a049aaea0fc418414cdbd3e73c4f7656681cce6b36be03d52e5b04b80c33c16.txt new file mode 100644 index 0000000000000000000000000000000000000000..c9381fac36f806140282edeaeb0df0ebd7e03c0c --- /dev/null +++ b/chunks/txt/8a049aaea0fc418414cdbd3e73c4f7656681cce6b36be03d52e5b04b80c33c16.txt @@ -0,0 +1,20 @@ +(cid:21)(cid:17)(cid:19)(cid:24)(cid:28) + +(cid:21)(cid:17)(cid:19)(cid:25)(cid:19) + +Assignment Information and Scope of Work Commentary + +(cid:21)(cid:17)(cid:19)(cid:25)(cid:20) +Assignment Information Exhibits + +(cid:21)(cid:17)(cid:19)(cid:25)(cid:21)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:21)(cid:17)(cid:19)(cid:25)(cid:21)(cid:17)(cid:21) + +Appraisal Version # + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21) + +(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68) +(cid: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:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23) diff --git a/chunks/txt/8a107140d3a07c987d22b6a68f978a7b8e1827858bc6bfcba07ba3bd9f8956ed.txt b/chunks/txt/8a107140d3a07c987d22b6a68f978a7b8e1827858bc6bfcba07ba3bd9f8956ed.txt new file mode 100644 index 0000000000000000000000000000000000000000..2606da3424d9d216cf1809524350482b432c5c68 --- /dev/null +++ b/chunks/txt/8a107140d3a07c987d22b6a68f978a7b8e1827858bc6bfcba07ba3bd9f8956ed.txt @@ -0,0 +1,78 @@ +DU® + +FAQ + +Desktop Underwriter® (Fannie Mae’s AUS) + +Frequently Asked Questions (each GSE’s UCD web page provides an FAQ section) + +ETI&A + +Estimated Taxes, Insurance and Assessments + +FGH + +Federal Government Housing Agency Servicing Data (a MISMO workgroup focused on identifying the core +Reference Model data to support servicing loans for each of the Federal Government Housing Agencies) + +FHA + +Federal Housing Administration (a government housing agency) + +FHFA + +Federal Housing Finance Agency (issued directive creating UMDP) + +Form Field ID + +The red number superimposed on the Closing Disclosure. Created by the UCD team to facilitate the mapping +from the Closing Disclosure to MISMO v3.3.0. + +Form Field Name + +A Closing Disclosure form label, identifying the data that should be provided. + +UCD v2.0 Implementation Guide + +- 148 - + +Version 1.0 + +Uniform Closing Dataset + +Appendix A. Glossary and List of Acronyms + +Acronym or Term Description + +Table 70. Glossary and List of Acronyms. + +Gray Bar Labels / +Totals + +Headings on the CD that are shaded in gray. UCD v2.0 supports Model form “gray bars” A – L and Alternate +form gray bars A – K. + +GSEs + +Government Sponsored Enterprises (Freddie Mac and Fannie Mae) + +HOEPA + +Home Ownership and Equity Protection Act + +I-Guide + +Uniform Closing Dataset Specification Version 2.0 Implementation Guide + +Instance + +Occurrence in the XML file. Used when speaking of one or more “instances” of a container, data point or +attribute. + +LPA® + +Loan Product Advisor® (Freddie Mac’s AUS) + +MBA + +Mortgage Bankers Association (trade association for mortgage bankers and owner of MISMO) diff --git a/chunks/txt/8a10ca51f1018c6485a660233dea38e4e9672680db25316a58c4fb60b4108411.txt b/chunks/txt/8a10ca51f1018c6485a660233dea38e4e9672680db25316a58c4fb60b4108411.txt new file mode 100644 index 0000000000000000000000000000000000000000..6a3944937110648c5f231b9dad9583373f5147e2 --- /dev/null +++ b/chunks/txt/8a10ca51f1018c6485a660233dea38e4e9672680db25316a58c4fb60b4108411.txt @@ -0,0 +1,209 @@ +T + +T + +T + +R + +R + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 122 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D + +492 + +493 + +494 + +495 + +496 + +497 + +498 + +499 + +500 + +501 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +5 + +6 + +7 + +8a + +8b + +8c + +9 + +10 + +11 + +4a + +HEADER + +BLANK + +APPRAISER +CERTIFICATION +APPRAISER +CERTIFICATION + +Appraiser +Name +Appraiser +Company Name + +Appraiser +Additional File +Identifier + +Appraiser Name + +Appraiser +Company Name + +Used to indicate by name the type of +identifier represented by +AppraisersAdditionalFileIdentifier. +The name of the party that performed the +appraisal of the property. +The name of the appraisal company that +performed the appraisal of the property. + +/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier + +/VALUATION_RESPONSE/PARTIES/APPRAISER/@_Name + +/VALUATION_RESPONSE/PARTIES/APPRAISER/@_CompanyName + +APPRAISER +CERTIFICATION + +Appraiser +Company Address + +Appraiser Street +Address + +The street address of the appraiser. + +/VALUATION_RESPONSE/PARTIES/APPRAISER/@_StreetAddress + +APPRAISER +CERTIFICATION + +Appraiser +Company Address +(Line 2) + +APPRAISER +CERTIFICATION + +Appraiser +Company Address +(Line 2) + +Appraiser City + +The city in which the address of the +appraiser is located. + +/VALUATION_RESPONSE/PARTIES/APPRAISER/@_City diff --git a/chunks/txt/8a221dd937c952290e38e6f96ec97e256479c65be08ba74d2b141980816b6253.txt b/chunks/txt/8a221dd937c952290e38e6f96ec97e256479c65be08ba74d2b141980816b6253.txt new file mode 100644 index 0000000000000000000000000000000000000000..1d771e25dc7c39512a575956af9af178d73b2e63 --- /dev/null +++ b/chunks/txt/8a221dd937c952290e38e6f96ec97e256479c65be08ba74d2b141980816b6253.txt @@ -0,0 +1,49 @@ +As described in the table below, re-underwriting tolerances may be applied if the interest rate or loan amount was modified. (All +other modifications require re-underwriting.) + +Modified Loan Term + +Re-underwriting Tolerances + +Interest Rate + +Loan Amount + +• + +• + +For loans underwritten through DU: see the tolerances and resubmission +requirements in Selling Guide B3-2-10, Accuracy of DU Data, DU Tolerances, +and Errors in the Credit Report. +For manually underwritten loans: if the recalculated DTI (based on the change +in rate or loan amount) does not exceed 45%, the loan must be re- +underwritten with the updated information to determine if the loan is still +eligible for delivery. + +Note: If the increase in the DTI ratio moves the DTI ratio above the 36% threshold, the +loan must meet the credit score and reserve requirements in the Eligibility Matrix that +apply to DTI ratios greater than 36% up to 45%. + +Age of Credit Documents + +All credit documents must be no more than four months old on the note date (that is, the closing date of the construction loan). +Additionally, income, employment, and credit report documents must be no more than four months old at the time of conversion +to permanent financing. As an exception, these documents may be more than four months but not exceeding 18 months old at + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 170 of 166 + +UAD 3.6 Policy + +the time of the conversion to permanent financing if the following conditions were met at the time of the original closing of the +construction loan: + +• +• +• + +The LTV, CLTV, and HCLTV ratios do not exceed 95%. + +The loan casefile was underwritten through DU and received an Approve/Eligible recommendation. diff --git a/chunks/txt/8a2361a48ff44b6747189c89087ebcd1a01744484aa1b117c02909f2b2719845.txt b/chunks/txt/8a2361a48ff44b6747189c89087ebcd1a01744484aa1b117c02909f2b2719845.txt new file mode 100644 index 0000000000000000000000000000000000000000..616b765d880f42fd634dfa2b339d3d42f9fa35b5 --- /dev/null +++ b/chunks/txt/8a2361a48ff44b6747189c89087ebcd1a01744484aa1b117c02909f2b2719845.txt @@ -0,0 +1,44 @@ +--- +source_url: "https://www.fhfaoig.gov/" +date_accessed: "2026-01-27T17:47:50.541Z" +--- + +[Skip to main content](#main-content) Hotline: Report Fraud, Waste & Abuse 1-800-793-7724 + +Text Size: [- A](javascript:;) [+ A](javascript:;) + +Current Size: 100% + +Search + +[![image](/core/misc/feed.svg)](/rss.xml) + +[![image](/themes/custom/fhfa/logo.jpg)](/) + +- About - [What We Do](/what-we-do) + - [Headquarters and Locations](/fhfa-oig-headquarters-and-locations) + - [Organization Chart](/about/Organization) + - [Frequently Asked Questions](/frequently-asked-questions) + - [OIG Offices](/OIGOffices) + - [Hotline](/ReportFraud) + - [Careers](/Career) + +## Sidebar Menu + +- Reports - [All OIG Reports](/all-oig-reports) + - [Audits and Evaluations](/Reports/Audits%20and%20Evaluations) + - [Compliance Reviews and Inspections](/Reports/Compliance_Reviews) + - [Management Alerts and Management Advisories](/Reports/ManagementAlerts) + - [Risk Assessments](/Reports/RiskAssessments) + - [White Papers](/Reports/WhitePapers) + - [Status and Special Reports](/reports/statusreports) + - [Administrative Inquiries](/Reports/Administrative_Inquiries) + - [Other Action Items](/Reports/AdditionalActionItems) + - OIG Publications - [Management and Performance Challenges](/Reports/ManagementPerformanceChallenges) + - [Annual Plan](/Reports/AuditAndEvaluationPlan) + - [Strategic Plan](/Reports/StrategicPlan) + - [Semiannual Report to Congress](/Reports/Semiannual) + - [Compendium of Recommendations](/Reports/Compendium_of_Recommendations) + - [Press Releases](/PressRelease) + - [Testimony](/Reports/Testimony) + - [Current Peer Review Reports](/Reports/PeerReview) diff --git a/chunks/txt/8a296dda30d0e0c96540398379ed67b68827cbfa110a0bf58b27c43d5d469325.txt b/chunks/txt/8a296dda30d0e0c96540398379ed67b68827cbfa110a0bf58b27c43d5d469325.txt new file mode 100644 index 0000000000000000000000000000000000000000..79b5ce2924d8316dff4b83c26c7c780bfb869e8f --- /dev/null +++ b/chunks/txt/8a296dda30d0e0c96540398379ed67b68827cbfa110a0bf58b27c43d5d469325.txt @@ -0,0 +1,59 @@ +Any additional information may be reported +elsewhere in the appraisal report. + +Note, the UAD does not limit the number of +different view factors associated with a +property that may be reported in the appraisal +report. If there are more than two view factors, +an appraiser may choose “other” and then +enter a text description of the multiple view +factors to the extent that the description fits +within the allowable space on the appraisal +report form. Any additional information that +does not fit in the allowable space may be +reported elsewhere in the appraisal report. + +Reporting Format: +View Rating – Appraiser must select one +value from the specified list +View Factors – Appraiser must select one or +two factors from the specified list Description +of ‘Other’(if applicable) – Text +The PDF creator will automatically insert a +semicolon to separate the data values. + +Examples: +B;Mtn;Wtr +A;RRtracks [example of appraiser-entered +‘Other’ description] + +Refer to the complete list of acceptable +abbreviations provided at the end of this +document in Exhibit 3: Requirements – +Abbreviations Used in Data Standardization +Text. + +Page 22 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. + +Utilities + +• 1004/70 + +REQUIREMENT + +The appraiser must indicate for each utility +whether it is ‘Public’ and/or ‘Other’. Utilities +include electricity, gas, water, and sanitary +sewer. The appraiser must also enter a +description if ‘Other’ is indicated. If the utility is +not present, enter ‘None’ in the description +field. diff --git a/chunks/txt/8a2d221323af890cd8f17401d71eed221ae4b3739844d2912846218933c80572.txt b/chunks/txt/8a2d221323af890cd8f17401d71eed221ae4b3739844d2912846218933c80572.txt new file mode 100644 index 0000000000000000000000000000000000000000..796e7d16cdcc6f1bdb98f115ad47e4ae008b4989 --- /dev/null +++ b/chunks/txt/8a2d221323af890cd8f17401d71eed221ae4b3739844d2912846218933c80572.txt @@ -0,0 +1,137 @@ +Area Data Source + +Level and Room Detail + +1,190 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +Physical Measurement + +Levels in Unit +Floor Number +Occupancy +Utilities Separately Metered +Total Bedrooms +Total Bathrooms - Full +Total Bathrooms - Half + +1 +1 +Tenant +Yes +2 +2 +0 + +Level in Unit +Level 1 + +Grade Level Detail + Above Grade + +Finish +Finished + +Area +1,190 Sq. Ft. + +Room Summary +2 - Bath - Full +2 - Bedroom +1 - Dining Room +1 - Kitchen +1 - Living Room + +Quality and Condition + +Interior Quality Rating + +Q4 + +Interior Condition Rating + +C3 + +The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report + +Kitchen and Bathroom Details + +Room +Kitchen +Level 1 + +Bath - Full +Level 1 + +Bath - Full +Level 1 + +Update Status +Not Updated + +Not Updated + +Not Updated + +Time Frame + +Quality Comment + +Condition Comment + +Condition Status +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Overall Update Status for +Bathrooms + +Not Updated + +Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2 + +Uniform Residential Appraisal Report + +Page 8 of 26 + +Unit Interior - Building 1 - Unit B (continued) + +Interior Features + +Feature +Flooring + +Walls and Ceiling + +Overall Update Status for +Flooring + +Detail +Carpet + +Ceramic Tile + +8 Ft. | Flat + +Not Updated + +Quality Comment + +Condition Status +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Condition Comment + +Apparent Defects, Damages, Deficiencies (Unit Interior - Building 1 - Unit B) + +None + +Unit Interior Exhibits diff --git a/chunks/txt/8a301aac4de1d4b1dc524d0073f4276a7b2e67f5cfab7fb3fc81e611256a6e1c.txt b/chunks/txt/8a301aac4de1d4b1dc524d0073f4276a7b2e67f5cfab7fb3fc81e611256a6e1c.txt new file mode 100644 index 0000000000000000000000000000000000000000..ff87ce083b6ec039faa0a8c7382e0e26e58dd85f --- /dev/null +++ b/chunks/txt/8a301aac4de1d4b1dc524d0073f4276a7b2e67f5cfab7fb3fc81e611256a6e1c.txt @@ -0,0 +1,160 @@ +/VALUATION_RESPONSE/REPORT/@Appra +isalPurposeTypeOtherDescription + +/VALUATION_RESPONSE/PARTIES/LENDE +R/@_UnparsedName + +/VALUATION_RESPONSE/PARTIES/LENDE +R/@AppraisalFormsUnparsedAddress + +4000 + +String + +48 + +90 + +String + +String + +UAD Requirement - Refer to Appendix D Subject Section +Note: All text entered in this field, including overflow into the addendum, must +be captured and included in the XML data point. +UAD Requirement - Refer to Appendix D Subject Section +This field contains the name of the lender. +This data is referenced more than once on the form (field 6-24) and must be +represented consistently to the extent the available space permits. The printed +version of this field must appear completely in this location on the form, but +may be truncated in the other locations. + +One and only one of fields 1-32, 1-33, 1-34 +(Values of Appraisal Purpose Type) must be +indicated. +One and only one of fields 1-32, 1-33, 1-34 +(Values of Appraisal Purpose Type) must be +indicated. +One and only one of fields 1-32, 1-33, 1-34 +(Values of Appraisal Purpose Type) must be +indicated. + +This field is required if field 1-34 (Appraisal +Purpose Type = 'Other') is indicated. + +T + +R + +R + +CR + +CR + +T + +T + +T + +T + +CR + +CR + +CR + +CR + +R + +T + +T + +R + +R + +CR + +CR + +T + +T + +T + +T + +CR + +CR + +CR + +CR + +R + +T + +T + +R + +R + +CR + +CR + +T + +T + +T + +T + +CR + +CR + +CR + +CR + +R + +T + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 32 of 211 + +Document Version 1.4 + +Form Field Label + +Data Point Name + +Data Point Definition + +Xpath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality 1004/70 diff --git a/chunks/txt/8a36bceae001e9f017e65dc84567fdaf1b66385ae6d0c1ad006023e9d0106179.txt b/chunks/txt/8a36bceae001e9f017e65dc84567fdaf1b66385ae6d0c1ad006023e9d0106179.txt new file mode 100644 index 0000000000000000000000000000000000000000..c282186ed7fe48be527d3d7304c2ef7322d16d55 --- /dev/null +++ b/chunks/txt/8a36bceae001e9f017e65dc84567fdaf1b66385ae6d0c1ad006023e9d0106179.txt @@ -0,0 +1,121 @@ +Individual who +completed the property +data report (PDR) based +on one of the data +collection methods + +Date when +workforce viewed +the subject property +via one of the data +collection methods + +Below are the enumerated concatenated values +entered into the AppraisalReportContentName data +element and associated with the scenarios +presented. + +Important Notes: +1. The enumerated data values are case +sensitive. + +2. The Date format must be "YYYY-MM-DD". + +Hybrid + +Physical + +Appraiser + +Hybrid;Physical;Appraiser;YYYY-MM-DD + +(Desktop appraisal +leveraging PDR) + +(e.g. physical visit to +the interior and +exterior of subject +property) + +AppraiserTrainee + +Hybrid;Physical;AppraiserTrainee;YYYY-MM-DD + +1004 Hybrid/70H + +RealEstateAgent + +Hybrid;Physical;RealEstateAgent;YYYY-MM-DD + +YYYY-MM-DD + +HomeInspector + +Hybrid;Physical;HomeInspector;YYYY-MM-DD + +InsInspector (e.g. +*Insurance Inspector) + +Hybrid;Physical;InsInspector;YYYY-MM-DD + +Other + +Hybrid;Physical;Other;YYYY-MM-DD + +Virtual + +Appraiser + +Hybrid;Virtual;Appraiser;YYYY-MM-DD + +(e.g. using technology +such as Skype, +FaceTime or other +similar video capability +that allows workforce +to view the interior +and exterior of the +subject property from +a remote location) + +AppraiserTrainee + +Hybrid;Virtual;AppraiserTrainee;YYYY-MM-DD + +YYYY-MM-DD + +RealEstateAgent + +Hybrid;Virtual;RealEstateAgent;YYYY-MM-DD + +HomeInspector + +Hybrid;Virtual;HomeInspector;YYYY-MM-DD + +InsInspector (e.g. +*Insurance Inspector) + +Hybrid;Virtual;InsInspector;YYYY-MM-DD + +Other + +Hybrid;Virtual;Other;YYYY-MM-DD + +DesktopAppraisal + +1004 Desktop/70D + +PriorHybrid + +Other + +Null + +Null + +YYYY-MM-DD +from PDR used in +prior hybrid +(inspection date = +date of PDR) +Null diff --git a/chunks/txt/8a376fa7ea1ca397b9b078cfc3842e9e2564848c4791ea2097e04a3751231d58.txt b/chunks/txt/8a376fa7ea1ca397b9b078cfc3842e9e2564848c4791ea2097e04a3751231d58.txt new file mode 100644 index 0000000000000000000000000000000000000000..46d4d20de9bd8625f330f74848120dea715865c4 --- /dev/null +++ b/chunks/txt/8a376fa7ea1ca397b9b078cfc3842e9e2564848c4791ea2097e04a3751231d58.txt @@ -0,0 +1,97 @@ +Number of Borrowers +First Time Home Buyer +1=yes; +2=no +Code indicating whether the mortgage is on a project funded under an AHP, CIP or other +CICA program. +1=AHP; +2=CIP; +3=Other CICA +9=Not Applicable; Not Purchased under AHP, CIP, or CICA + +Page 1 of 5 + +Column +30 BoRace + +31 CoRace + +32 BoSex + +33 CoSex + +34 BoAge + +35 CoAge + +36 Occup + +37 NumUnits +38 Bed1 + +39 Bed2 + +40 Bed3 + +41 Bed4 + +42 Aff1 + +43 Aff2 + +44 Aff3 + +45 Aff4 + +46 Rent1 + +47 Rent2 + +AMA_PUDB_definitions_123115.xlsx + +Definition +Borrower Race or National Origin +1=American Indian or Alaskan Native; +2=Asian; +3=Black or African American; +4=Native Hawaiian or Other Pacific Islander; +5=White; +7=Information not provided by applicant in mail or telephone application + +Co-borrower Race or National Origin +1=American Indian or Alaskan Native; +2=Asian; +3=Black or African American; +4=Native Hawaiian or Other Pacific Islander; +5=White; +7=Information not provided by applicant in mail or telephone application; +8=No Co-Borrower +Borrower Sex +1=Male; +2=Female; +3=Information not provided by applicant in mail or telephone application + +Co-Borrower Sex +1=Male; +2=Female; +3=Information not provided by applicant in mail or telephone application; +4=No Co-Borrower + +Age of Borrower in years +99=Not provided by applicant in mail or telephone application +Age of Co-Borrower in years +98=No Co-Borrower; +99=Not provided by applicant in mail or telephone application +Occupancy Code +1=Principal residence/owner-occupied; +2=second home; +3=investment property (rental) +Number of Units +Unit1--Number of Bedrooms +98=no non-owner-occupied dwelling units +Unit2--Number of Bedrooms +98=no non-owner-occupied dwelling units +Unit3--Number of Bedrooms +98=no non-owner-occupied dwelling units +Unit4--Number of Bedrooms +98=no non-owner-occupied dwelling units diff --git a/chunks/txt/8a3b9103c371a91d33b03b33a6f43cfa0fc2183e13699641754d74c4bc77151e.txt b/chunks/txt/8a3b9103c371a91d33b03b33a6f43cfa0fc2183e13699641754d74c4bc77151e.txt new file mode 100644 index 0000000000000000000000000000000000000000..26ed1ac9a9d3d7030d8f285b19d7b56d05af44ff --- /dev/null +++ b/chunks/txt/8a3b9103c371a91d33b03b33a6f43cfa0fc2183e13699641754d74c4bc77151e.txt @@ -0,0 +1,206 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/RESEARCH/@ComparableSalesPriceRangeLowAmount + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/RESEARCH/@ComparableSalesPriceRangeHighAmount + +50 + +5 + +15 + +15 + +5 + +15 + +15 + +String + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. + +This field may not exist in all forms +vendor software. + +Numeric + +PDF Display Format: +Numeric, 5-digit maximum. + +Money + +PDF Display Format: +Whole dollars only. + +Money + +PDF Display Format: +Whole dollars only. + +Numeric + +PDF Display Format: +Numeric, 5-digit maximum. + +Money + +Money + +PDF Display Format: +Whole dollars only. + +PDF Display Format: +Whole dollars only. + +Report Title +Description + +Appraiser File +Identifier + +Appraiser +Additional File +Identifier Name + +Appraiser +Additional File +Identifier +Comparable +Listings +Researched Count + +Comparable +Listings Price +Range Low +Amount + +Comparable +Listings Price +Range High +Amount + +R + +R + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +R + +R + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +R + +R + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 106 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H diff --git a/chunks/txt/8a3c853d23030469000b22886ca6986a0c6b4fcae8a48049bc56026901592c31.txt b/chunks/txt/8a3c853d23030469000b22886ca6986a0c6b4fcae8a48049bc56026901592c31.txt new file mode 100644 index 0000000000000000000000000000000000000000..ec7fab5f237a633d574647c8096999193f93b47a --- /dev/null +++ b/chunks/txt/8a3c853d23030469000b22886ca6986a0c6b4fcae8a48049bc56026901592c31.txt @@ -0,0 +1,70 @@ +Uniform Appraisal Dataset (UAD) Specification +Issued by Fannie Mae and Freddie Mac +Appendix F-2: Restricted Appraisal Update Report Reference Guide +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. + +Uniform Appraisal Dataset + +Revision History + +Revision History + +Date + +Version + +6/10/2025 1.3 + +Reference Guide +Chapter + +05 Certifications +and Scope of Work + +Change # Revision Description + +2025-036 + +See Appendix C-2 for all possible Certifications and Scope of Work text that may display. + +Header and Footer 2024-028 Updated date in footer to September 2024. + +9/17/2024 1.2 + +04 Assignment +Information + +2024-002 Corrected typo in Lender, Client, and AMC: The client is the party who engages an appraiser. + +Header and Footer 2023-061 Updated date in footer to December 2023. + +Overview + +2023-037 Best Practices: Corrected section name for Certifications and Scope of Work. + +2023-003 Updated Report Label for Supervisory Appraiser Certifications. + +12/12/2023 1.1 + +04 Assignment +Information + +2023-037 + +Clarified the ‘Definition / Additional Guidance’ column for ID (04.019, 04.034, 04.043), and +corrected references to ASC and the ASC National Registry. + +2023-068 Clarified that only one contact can be the Client (04.048). + +05 Certifications +and Scope of Work + +2023-003 + +Appraiser Cert 13: Clarified 05.024 and 05.025 to be Contact Name(s). +Use Additional Supervisory Appraiser Certifications (05.037) to report prior services. diff --git a/chunks/txt/8a7fa253505adfa7e5a9a138b0751f6b1e1d21b0d601124df513b913089a63bb.txt b/chunks/txt/8a7fa253505adfa7e5a9a138b0751f6b1e1d21b0d601124df513b913089a63bb.txt new file mode 100644 index 0000000000000000000000000000000000000000..19f9b36149c8f4b8f065905fe9d416a026b65d8f --- /dev/null +++ b/chunks/txt/8a7fa253505adfa7e5a9a138b0751f6b1e1d21b0d601124df513b913089a63bb.txt @@ -0,0 +1,34 @@ +Potential Red Flag Occupancy Message + +A new message will be issued reminding lenders to confirm the accuracy of the occupancy on the loan casefile. This message will +be issued when the loan is submitted as an investment property and later changed to a primary residence. + +Loan Application Data Validation Updates + +Data validations performed when a loan application is submitted to DU will be updated to better align with current error +handling, and to help simplify parsing of error scenarios. Additional details are available in the Data Validation Update Integration +Impact Memo, published on April 17, 2024. + +Note: These changes will apply to new loan casefiles created on or after July 20, 2024. + +Updates to Align with the Selling Guide + +Housing Choice Voucher Homeownership Program + +Selling Guide Announcement SEL-2024-03 clarified Housing Choice Voucher Homeownership Program (more commonly known as +Section 8) requirements. The DU message will be updated to reflect these clarifications. + +Appraiser Credential Requirements + +DU will issue a new message on loan casefiles where the loan amount is $1,000,000 or more, requiring that the lender confirm the +appraiser credential is Certified Residential or higher. + +Miscellaneous Message Text Changes + +To continue to provide clarity and consistency with the Selling Guide, various DU messages will be updated. + +For More Information + +For more information about these Release Notes, lenders may contact their Fannie Mae Business Account Management Solutions +(BAMS) team, and mortgage brokers should contact their DO sponsoring wholesale lender. For technology considerations, an +Integration Impact Memo will be posted on the Technology Integration page. diff --git a/chunks/txt/8a805dcc7641d9f9c206327f914b96efaeed98bcb39b4ca70daeb7f272c2613a.txt b/chunks/txt/8a805dcc7641d9f9c206327f914b96efaeed98bcb39b4ca70daeb7f272c2613a.txt new file mode 100644 index 0000000000000000000000000000000000000000..ee3a2d40c4d3e63ffd691119d49b8afd50929923 --- /dev/null +++ b/chunks/txt/8a805dcc7641d9f9c206327f914b96efaeed98bcb39b4ca70daeb7f272c2613a.txt @@ -0,0 +1,247 @@ +AssessorRecord + +PhysicalMeasurement + +MLS + +MLS + +2345850 + +MLS + +32498543 + +MLS + +2354398 + +MLS + +142332 + +MLS + +425021 + +MLS + +342332 + +MLS + +442332 + +MLS + +542332 + +MLS + +77777 + +MLS + +88888 + +MLS + +99999 + +MLS + +12345 Holiday Hwy + +Surfside + +Hawaii + +12345 + +HI + +400 + +Detached + +Carport + +2 + +Driveway + +Gravel + +6 + +false + +ImpactResistantGlass + +false + +false + +false + +None + +None + +false + +false + +true + +Dwelling + +true + +false + +1985 + +false + +None + +Carpet + +Add comment if needed. + +NewOrLikeNew + +Commercial grade carpeting + +Laminate + +Add comment if needed. + +NewOrLikeNew + +Add comment if needed. + +Flooring + +FullyUpdated + +Paint shows wear, needs to be updated. + +TypicalWearAndTear + +Add comment if needed. + +Standard + +WallsAndCeiling + +EightFeet + +Flat + +AboveGrade + +864 + +LevelOne + +0 + +0 + +0 + +0 + +0 + +864 + +0 + +864 + +false + +2 + +1 + +0 + +C4 + +Q5 + +1 + +Basic + +ModeratelyUpdated + +Unit 1 + +true + +true + +Tenant + +Some areas of deferred maintenance noted and identified in the report for this unit, but the livability of the unit is not affected. + +true + +Driveway + +6 + +Bedroom 1 + +\\Images\2-4_Dwelling1Bedroom1.png + +image/png + +LevelOne + +Bedroom + +Bedroom 2 + +\\Images\2-4_Dwelling1Bedroom2.png + +image/png + +LevelOne + +Bedroom + +\\Images\2-4_Dwelling1Bathroom.png + +image/png + +LevelOne + +Newer laminate floor installed. Some cabinet hardware missing. + +TypicalWearAndTear + +Basic quality cabinetry and fixtures + +FullBathroom + +FiveToTenYears + +PartiallyUpdated + +\\Images\2-4_Dwelling1Kitchen.png + +image/png + +LevelOne + +Some cabinet hardware and cabinet fronts missing exhibiting moderate wear and tear. + +DamagedAndFunctional + +The stove is fully functional but considered outdated, undersized and does not meet current standards in the market. diff --git a/chunks/txt/8a8c9e3027a67ddb2c0ab9fb7a9bd84707a42b6c9822cb4b8de1156a52fe1046.txt b/chunks/txt/8a8c9e3027a67ddb2c0ab9fb7a9bd84707a42b6c9822cb4b8de1156a52fe1046.txt new file mode 100644 index 0000000000000000000000000000000000000000..5e406e51451eb25ed3597b66053eb9fab0eb9d9f --- /dev/null +++ b/chunks/txt/8a8c9e3027a67ddb2c0ab9fb7a9bd84707a42b6c9822cb4b8de1156a52fe1046.txt @@ -0,0 +1,127 @@ +Reporting Format: +Tax Year – 4-digit year, yyyy +Real Estate Taxes – Currency, whole dollars +only + +Neighborhood Name +The appraiser should enter a neighborhood +name. It may be a name recognized by the +municipality in which the property is sited, +such as a subdivision name. If there is not a +neighborhood name recognized by the +municipality, enter the common name by +which residents refer to the location. + +Reporting Format: +Neighborhood Name – Text + +Project Name +The appraiser must enter the legal name of +the project for the subject property and each +comparable property. + +Reporting Format: +Project Name – Text + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073/465 + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075/466 + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073/465 + +REQUIREMENT + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075/466 + +Page 9 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073/465 + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075/466 + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073/465 + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075/466 + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +Occupant +The appraiser must indicate whether the +subject property is occupied by the owner or a +tenant, or is vacant as of the effective date of +the appraisal. Only one selection is permitted. +For properties that are comprised of one unit +with an accessory unit, the selection must +reflect the occupancy status of the main unit. +Additional information regarding the +occupancy of any accessory unit may be +provided elsewhere in the appraisal report. diff --git a/chunks/txt/8a8f954854fce74c9c3c768916c3d84486f96a04cf043f0683647d5bb9de6cfb.txt b/chunks/txt/8a8f954854fce74c9c3c768916c3d84486f96a04cf043f0683647d5bb9de6cfb.txt new file mode 100644 index 0000000000000000000000000000000000000000..4bb71cb820bfcd52f55d9ea4c311f636dc62c85b --- /dev/null +++ b/chunks/txt/8a8f954854fce74c9c3c768916c3d84486f96a04cf043f0683647d5bb9de6cfb.txt @@ -0,0 +1,5 @@ +record_id: 2200007888000 | year: 2022 | weight: 20 | state_fips_2010: NA | state_fips_2020: 46 | county_fips_2010: NA | county_fips_2020: 46027 | tract_fips_2010: NA | tract_fips_2020: 46027965700 | purpose: 1 | owner_occupied: 2 | contract_price: 175000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 1 | sales_range_high: 205000 | sales_range_low: 105000 | updated_last_15_years: 1 | lot_size: 2 | quality: 3 | condition: 4 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 3 | median_adjustment: -206 | average_adjustment: -1081 | adjusted_price: 185000 | number_comparables: 5 | same_tract_percent: 88 | calculated_proximity: 1.01 | reported_proximity: 1.01 | value_sale_comparison: 185000 | value_cost: NA | value_income: NA | appraised_value: 185000 | appraisal_to_contract: 104.8 | comparison_to_contract: 104.8 +record_id: 2200048746000 | year: 2022 | weight: 20 | state_fips_2010: NA | state_fips_2020: 18 | county_fips_2010: NA | county_fips_2020: 18097 | tract_fips_2010: NA | tract_fips_2020: 18097390500 | purpose: 1 | owner_occupied: 2 | contract_price: 205000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 1 | sales_range_high: NA | sales_range_low: NA | updated_last_15_years: 1 | lot_size: 1 | quality: 4 | condition: 3 | bathrooms: 3 | bedrooms: 2 | gross_living_area: 4 | median_adjustment: 4000 | average_adjustment: 4100 | adjusted_price: 205000 | number_comparables: 1 | same_tract_percent: 100 | calculated_proximity: 0.23 | reported_proximity: 0.23 | value_sale_comparison: 205000 | value_cost: NA | value_income: NA | appraised_value: 205000 | appraisal_to_contract: 100 | comparison_to_contract: 100 +record_id: 2200031741000 | year: 2022 | weight: 20 | state_fips_2010: NA | state_fips_2020: 05 | county_fips_2010: NA | county_fips_2020: 05041 | tract_fips_2010: NA | tract_fips_2020: 05041950200 | purpose: 1 | owner_occupied: 2 | contract_price: 135000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: NA | sales_range_low: NA | updated_last_15_years: 2 | lot_size: 3 | quality: 3 | condition: 3 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 4 | median_adjustment: -17227 | average_adjustment: -13684 | adjusted_price: 145000 | number_comparables: 3 | same_tract_percent: 20 | calculated_proximity: 10 | reported_proximity: 10 | value_sale_comparison: 145000 | value_cost: NA | value_income: NA | appraised_value: 145000 | appraisal_to_contract: 102.2 | comparison_to_contract: 102.2 +record_id: 2200011047000 | year: 2022 | weight: 20 | state_fips_2010: NA | state_fips_2020: 48 | county_fips_2010: NA | county_fips_2020: 48201 | tract_fips_2010: NA | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 265000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 1 | marketing_time: 1 | sales_range_high: 495000 | sales_range_low: 225000 | updated_last_15_years: 1 | lot_size: 2 | quality: 4 | condition: 3 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 5 | median_adjustment: 5380 | average_adjustment: -237 | adjusted_price: 275000 | number_comparables: 4 | same_tract_percent: 100 | calculated_proximity: 0.14 | reported_proximity: 0.14 | value_sale_comparison: 265000 | value_cost: NA | value_income: NA | appraised_value: 265000 | appraisal_to_contract: 100 | comparison_to_contract: 100 +record_id: 2200039143000 | year: 2022 | weight: 20 | state_fips_2010: NA | state_fips_2020: 35 | county_fips_2010: NA | county_fips_2020: 35013 | tract_fips_2010: NA | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 305000 | built_up: 2 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 1 | marketing_time: 1 | sales_range_high: 335000 | sales_range_low: 275000 | updated_last_15_years: 2 | lot_size: 5 | quality: 3 | condition: 3 | bathrooms: 3 | bedrooms: 3 | gross_living_area: 6 | median_adjustment: 585 | average_adjustment: 3125 | diff --git a/chunks/txt/8a9b231e789f04303e530110b0456f499e4faa2f622176d4b1f6769462809786.txt b/chunks/txt/8a9b231e789f04303e530110b0456f499e4faa2f622176d4b1f6769462809786.txt new file mode 100644 index 0000000000000000000000000000000000000000..86ef71a55c8f20e9b7298903fd1213370efb4f41 --- /dev/null +++ b/chunks/txt/8a9b231e789f04303e530110b0456f499e4faa2f622176d4b1f6769462809786.txt @@ -0,0 +1,82 @@ +Additional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser Certifications. +1. I have performed services regarding the subject property within the three years preceding the agreement to perform this assignment. I +performed an appraisal on April 13, 2018. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario + +Uniform Residential Appraisal Report + +Page 29 of 29 +Page 29 of 29 + +Certifications (continued) + +Signature + +Appraiser +Tom Appraiser +Tom Appraiser + +Supervisory Appraiser +Arthur Appraiser +Arthur Appraiser + +10/12/2019 + +Date of Signature and Report + +10/12/2019 + +Date of Signature and Report + +Level +ID +State +Expires + +Level +ID +State +Expires + +Trainee Appraiser +1111TRHI +HI +12/31/2021 + +Certified General +987654HI +HI +12/31/2021 + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario + +2- to 4-Unit Scenario 2 + +Introduction + +This report is for a four unit home in one dwelling. The units are model matches, each with 1,190 square +feet with two bedrooms and two full baths. The two first floor units include a patio, while the two +second floor units include a balcony. + +Key Characteristics + +• + +Parties associated with this transaction: + +o Client/Lender +o Appraiser +o AMC + +Construction Method: Site Built +Attachment Type: Detached + +• +• +• No Defects, Damages, or Deficiencies have been identified; the appraisal is made “As Is” +• +• + +Same properties used for sales comps, rental comps, and GRM comps +Sales Comparison Approach diff --git a/chunks/txt/8ac2ecad9b6e2511edd78603a8bc3adfe9f7841c78953f335b2bc7a4ceca1480.txt b/chunks/txt/8ac2ecad9b6e2511edd78603a8bc3adfe9f7841c78953f335b2bc7a4ceca1480.txt new file mode 100644 index 0000000000000000000000000000000000000000..c83435cce6b09f7fece737c9bcd2d2efce072f65 --- /dev/null +++ b/chunks/txt/8ac2ecad9b6e2511edd78603a8bc3adfe9f7841c78953f335b2bc7a4ceca1480.txt @@ -0,0 +1,105 @@ +AMA_PUDB_Definitions_123114.xlsx + +Data Definitions +Federal Housing Finance Agency +Federal Home Loan Bank Purchased Mortgage Files +As of December 31, 2014 + +Column + +1 Year +2 Loan Number +3 FHFBankID +4 Program + +5 FIPSStateCode +6 FIPSCountyCode +7 MSA + +8 FeatureID +9 Tract +10 MinPer +11 TraMedY +12 LocMedY +13 Tractrat +14 Income +15 CurAreY +16 IncRat +17 UPB +18 LTV +19 MortDate +20 AcquDate +21 Purpose + +22 Coop + +23 Product + +24 FedGuar + +25 Term +26 AmorTerm +27 FHFBID +28 Seller +29 SellCity +30 SellSt + +Definition +Year Loan was reported +Unique Loan Number (Not actual loan number) +Name of Federal Home Loan Bank District +AMA Program +01=Original MPF; +02=MPF100; +03=MPF125; +04=MPF 125 Plus; +05=MPF for FHA/VA; +06=MPP; +07=MPP/FHA; +09=Shared Funding Loans +FIPS State Code +FIPS County Code +Core Based Statistical Area +99999=State/County/Tract combination is not located in a CBSA +Geographic Names Information System (GNIS) Feature ID +Census Tract +Census Tract Minority Percentage +Census Tract Median Family Income in Whole Dollars +Local Area Median Income in Whole Dollars +Tract Income Ratio +Total Borrower(s) Annual Income in Whole Dollars +Area Median Family Income in Whole Dollars +Borrower Income Ratio +Acquisition Unpaid Principal Balance in Whole Dollars +Loan to Value Ratio at Origination +Year of Mortgage Note +Year of Acquisition Note +Loan Purpose +1=purchase; +2=refinancing; +3=second mortgage; +4=new construction; +5=rehabilitation +Cooperative Unit Mortgage +1=yes; +2=no +Product Type +01=Fixed Rate; +02=ARM; +03=Balloon; +04=GPM/GEM; +05=Reverse Annuity Mortgage; +06=other +Federal Guarantee +0=no federal guarantee; +1=FHA; +2=VA; +3=FMHA-Guaranteed Rural Housing Loan; +4=HECMs; +5=Title1-FHA +Term of Mortgage at Origination in months +Amortization Term in months +Acquiring Lender Institution Federal Housing Finance Agency Membership ID +Acquiring Lender Name +Acquiring Lender City +Acquiring Lender State diff --git a/chunks/txt/8acbfad68cde83432082f000c247fbc29a3234d7d81ecd2373706b63a2c043cb.txt b/chunks/txt/8acbfad68cde83432082f000c247fbc29a3234d7d81ecd2373706b63a2c043cb.txt new file mode 100644 index 0000000000000000000000000000000000000000..88f74f543b0e7455bdc9ef9df4a438cf9ffc687a --- /dev/null +++ b/chunks/txt/8acbfad68cde83432082f000c247fbc29a3234d7d81ecd2373706b63a2c043cb.txt @@ -0,0 +1,13 @@ +RELATIONSHIP Element “Arcrole” Naming Convention......................................................... 12 + +RELATIONSHIP Element “Arcrole” FromName/ToName Value Order ...................................... 13 + +Uniform Loan Application Dataset (ULAD) Xlink Arcroles .......................................................... 14 + +Overview ........................................................................................................................... 14 + +Relationship Between a Borrower’s Income and the Associated Employer ................................... 14 + +Relationship Between a Counseling Event and the Associated Housing Counseling Agency ........... 17 + +Relationship Between an ASSET (Owned Property) and the Associated Liabilties ......................... 19 diff --git a/chunks/txt/8ae0cdec073b2ef58e058b93c52f3ec483c779d3d5cfe1d506c53dfaf817341b.txt b/chunks/txt/8ae0cdec073b2ef58e058b93c52f3ec483c779d3d5cfe1d506c53dfaf817341b.txt new file mode 100644 index 0000000000000000000000000000000000000000..be5d18e79f1f80f82b6aa9a23fde058352d53e26 --- /dev/null +++ b/chunks/txt/8ae0cdec073b2ef58e058b93c52f3ec483c779d3d5cfe1d506c53dfaf817341b.txt @@ -0,0 +1,11 @@ +## Dashboards + +## Enterprise Single-Family PUDB + +The Enterprise Single-Family Public Use Database Dashboard provides users an interactive way to generate and visualize Enterprise PUDB data of single-family mortgages that Fannie Mae and Freddie Mac acquire. It shows characteristics about single-family loans, properties, and units at the national level, and characteristics about single-family loans and properties at the state level. It includes key statistics, time series charts, stacked bar charts, and state maps of single-family housing characteristics such as median loan amount, number of properties, and affordability. The underlying aggregate statistics presented in the dashboard come from the Enterprise Single-Family PUDB datasets, updated annually since 2008. + +- [Enterprise Single-Family Public Use Database Dashboard](/data/dashboard/enterprise-single-family-public-use-database) + +## Enterprise Multifamily PUDB + +The Enterprise Multifamily Public Use Database Dashboard provides users an interactive way to generate and visualize Enterprise PUDB data of multifamily mortgage that Fannie Mae and Freddie Mac acquire. It shows characteristics about multifamily loans, properties, and units at the national level, and characteristics about multifamily loans and properties at the state level. It includes key statistics, time series charts, and state maps of multifamily housing characteristics such as median loan amount, number of properties, average number of units per property, and unit affordability. The underlying aggregate statistics presented in the dashboard come from the Enterprise Multifamily PUDB datasets, updated annually since 2008. diff --git a/chunks/txt/8af669ebed9463c3e1c020f1ffd356145d724dda247c153035d331660c8dcbfd.txt b/chunks/txt/8af669ebed9463c3e1c020f1ffd356145d724dda247c153035d331660c8dcbfd.txt new file mode 100644 index 0000000000000000000000000000000000000000..3a259bda7d53f2846bef6808fc29c6bf5c0e26ef --- /dev/null +++ b/chunks/txt/8af669ebed9463c3e1c020f1ffd356145d724dda247c153035d331660c8dcbfd.txt @@ -0,0 +1,99 @@ +ROF as “$240,000” + +UID +1.018 + +N/A – GSE + +PropertyValuationM +ethodType + +Appraisal + +Not shown – data +clarity + +Table 18. Estimated Prop. Value for Refinance Transaction + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +1.7 + +Estimated Prop. +Value + +…/PROPERTY_DETAIL PropertyEstimatedVa + +300000.00 + +ROF as “$300,000” + +lueAmount + +B. FOR MORE I NFORMAT I ON + +1.0 Reg §1026.38(a)(3), pp. 80120, 80350, 80000. + +1.1 Reg §1026.38(a)(3)(i), pp. 80120, 80350, 80000. Cross reference to §1026.37(a)(4). + +1.2 Reg §1026.38(a)(3)(ii), pp. 80120, 80001. + +1.3 Reg §1026.38(a)(3)(iii), pp. 80121, 80001. + +1.4 Reg §1026.38(a)(3)(iv), pp. 80121, 80350, 80001. + +1.5 Reg §1026.38(a)(3)(v), pp. 80121, 80350, 80001. + +1.6 Reg §1026.38(a)(3)(vi), pp. 80121, 80350, 80001. + +1.7 Reg §1026.38(a)(3)(vii)(A) and (B), pp. 80121, 80350 80362-3, 80002, 80056. + +Appendix E: UCD Implementation Guide + +Page 38 of 254 + +Version 1.4 + +Uniform Closing Dataset + +2.0 Transaction Information + +2.0 TRANSACTION INFORMATION + +This section is included in all Closing Disclosure variations. + +Table 19. Required Sections for each Closing Disclosure Variation -- UPDATED + +Form +Field ID + +Form Section Name + +Purchase Transactions Only + +Model Form + +Split- + +Borrower Only + +Non-Seller Transactions Only +Alternate Form + +2.0 + +Transaction Information + +✓ diff --git a/chunks/txt/8b017041038b9a157ac402e60a8edd1cbb2329f6f878086d9cd167f18b3cd3aa.txt b/chunks/txt/8b017041038b9a157ac402e60a8edd1cbb2329f6f878086d9cd167f18b3cd3aa.txt new file mode 100644 index 0000000000000000000000000000000000000000..120dde98fbb10bf642943f4dce3617fbbfd95bb6 --- /dev/null +++ b/chunks/txt/8b017041038b9a157ac402e60a8edd1cbb2329f6f878086d9cd167f18b3cd3aa.txt @@ -0,0 +1,14 @@ +--- + +**Year** **Format** **Dictionary** ​**DTS Plan Cycle** 2025 [[ZIP]](/document/2025-02-21_a01_hoa_file.zip) [[PDF]](/document/dts_high-opportunity_areas_2025_readme.pdf) 2025-2027 (2020 Census Tracts) 2024 [​[ZIP]](/sites/default/files/2024-05/DTS_HighOpportunityAreas_2024.zip) [​[PDF]](/sites/default/files/2024-07/DTS_High%20Opportunity_Areas_2024_README.pdf) ​2025-2027 +(2020 Census Tracts) ​2023 [​[ZIP]](/sites/default/files/2023-10/DTS_High_Opportunity_Areas_2023.zip) [​[PDF]](/sites/default/files/2023-10/DTS_High_Opportunity_Areas_2023.pdf) ​2022-2024 +(2020 Census Tracts) ​2022 [​[ZIP]](/sites/default/files/2023-10/DTS_High_Opportunity_Areas_2022.zip) [​[PDF]](/sites/default/files/2023-10/DTS_High_Opportunity_Areas_2022_README.pdf) ​2022-2024 +(2020 Census Tracts) ​2020 [​[ZIP]](/sites/default/files/2023-10/DTS_High%20Opportunity_Areas_2020.zip) [​[PDF]](/sites/default/files/2023-10/DTS_High%20Opportunity_Areas_2020_README.pdf) ​2022-2024 +(2010 Census Tracts) 2017 [[ZIP]](/sites/default/files/2023-10/DTS_red_highopportunity_2017.zip) [[PDF]](/sites/default/files/2023-10/DTS-Residential-Economic-Diversity_High-Opportunity-Areas-revised.pdf) ​2018-2021 ## Areas of Concentrated Poverty + +--- + +**Year** **Format** **Dictionary** **​DTS Plan Cycle** 2024 ​[[ZIP]](/sites/default/files/2024-05/qct_recapcw_2024.zip) ​[[PDF]](/sites/default/files/2024-07/Areas_of_Concentrated_Poverty_README_2024.pdf) 2025-2027 +(2020 Census Tracts) ​2022 ​[[ZIP]](/sites/default/files/2023-10/qct_recap_2022.zip) ​[[PDF]](/sites/default/files/2023-10/Areas_of_Concentrated_Poverty_README_2022.pdf) ​2022-2024 +(2020 Census Tracts) ​2020 ​[[ZIP]](/sites/default/files/2023-10/acp_2020.zip) ​[[PDF]](/sites/default/files/2023-10/Areas_of_Concentrated_Poverty_README_2020.pdf) ​2022-2024 +(2010 Census Tracts) 2018 [[ZIP]](/sites/default/files/2023-10/Areas_of_Concentrated_Poverty_2018.zip) [[PDF]](/sites/default/files/2023-10/Areas_of_Concentrated_Poverty_README_2018.pdf) ​ ## Small Financial Institutions Data diff --git a/chunks/txt/8b04bb9efe313af615ac6a2e335262b79e7a9fd35ab8f895f366d4e229091a7d.txt b/chunks/txt/8b04bb9efe313af615ac6a2e335262b79e7a9fd35ab8f895f366d4e229091a7d.txt new file mode 100644 index 0000000000000000000000000000000000000000..b1841486ce82c47dd328b76cd464d54d19837fa8 --- /dev/null +++ b/chunks/txt/8b04bb9efe313af615ac6a2e335262b79e7a9fd35ab8f895f366d4e229091a7d.txt @@ -0,0 +1,108 @@ +Numeric code indicating the race of the Co-Borrower. +1=American Indian or Alaska Native, 2=Asian, 3=Black +or African American, 4=Native Hawaiian or other +Pacific Islander, 5=White, 6=Information not provided +by borrower, 7=Not Applicable (First or primary +borrower is an institution, corporation or partnership), +8=No Co-Borrower + +27 + +Borrower1SexType + +BoSex + +Borrower1 Sex Type + +28 + +Borrower2SexType + +CoSex + +Borrower2 Sex Type + +29 + +Borrower1AgeAtApplicationYears + +BoAge + +Borrower1 Age at Application Years Count + +30 + +Borrower2AgeAtApplicationYears + +CoAge + +Borrower2 Age at Application Years Count + +31 + +PropertyUsageType + +Occup + +Property Usage Type + +PropertyUnitCount + +32 +33 NoteRatePercent +34 NoteAmount +35 HousingExpenseRatioPercent + +NumUnits +Rate +Amount +Front + +Property Unit Count +Note Rate Percent +Note Amount +Housing Expense Ratio Percent + +36 + +TotalDebtExpenseRatioPercent + +Back + +Total Debt Expense Ratio Percent + +37 + +Borrower1CreditScoreValue + +BoCreditScor + +Borrower 1 Credit Score Value + +38 + +Borrower2CreditScoreValue + +CoBoCreditScor + +Borrower 2 Credit Score Value + +39 + +PMICoveragePercent + +PMI + +PMI Coverage Percent + +Numeric code indicating the sex of the first or primary +borrower. 1=Male, 2=Female, 3=Information not +provided by borrower, 4=Not Applicable (First or +primary borrower is an institution, corporation or +partnership), 6=Indeterminate Value + +Numeric code indicating the sex of the co-borrower. +1=Male, 2=Female, 3=Information not provided by +borrower, 4=No Co-Borrower, 5=Not Applicable +(First or primary borrower is an institution, +corporation or partnership), 6=Indeterminate Value diff --git a/chunks/txt/8b10edbfc842a71bec4e40e9c3338a5372792952c3581eb882b745b4c305747f.txt b/chunks/txt/8b10edbfc842a71bec4e40e9c3338a5372792952c3581eb882b745b4c305747f.txt new file mode 100644 index 0000000000000000000000000000000000000000..386ec2f22e1317c5d03dff168eac72f59284dd8c --- /dev/null +++ b/chunks/txt/8b10edbfc842a71bec4e40e9c3338a5372792952c3581eb882b745b4c305747f.txt @@ -0,0 +1,110 @@ +Condition Comment +Add comment if needed. + +Add comment if needed. + +New or Like New + +Add comment if needed. + +Add comment if needed. + +Typical Wear and Tear + +Paint shows wear, needs to +be updated. + +Check #A + +Overall Update Status for +Flooring + +Fully Updated + +Apparent Defects, Damages, Deficiencies (Unit Interior - Building 1 - Unit 1) + +The items listed below represent the As Is condition as of the effective date of this report + +Feature +Appliances + +Cabinetry + +Cabinetry + +Doors + +Walls and Ceiling + +Location +Kitchen + +Bathroom + +Kitchen + +Bathroom + +Bathroom + +Unit Interior Commentary + +Description +The stove is fully functional but considered +outdated, undersized and does not meet +current standards in the market. + +Some cabinet hardware is missing exhibiting +moderate wear and tear. + +Some cabinet hardware and cabinet fronts +missing exhibiting moderate wear and tear. + +Peeling paint that is cosmetic in nature. + +Peeling and worn paint that is cosmetic in +nature. + +Affects Soundness or +Structural Integrity +No + +Recommended +Action +None + +No + +No + +No + +No + +None + +None + +None + +None + +Some areas of deferred maintenance noted and identified in the report for this unit, but the livability of the unit is not affected. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario + +Uniform Residential Appraisal Report + +Page 8 of 29 + +Unit Interior - Building 1 - Unit 1 (continued) + +Unit Interior Exhibits + +Level 1 - Bedroom - Bedroom 1 + +Level 1 - Bedroom - Bedroom 2 + +This is where the Unit 1 Bedroom 1 photo would display. + +This is where the Unit 1 Bedroom 2 photo would display. diff --git a/chunks/txt/8b11e85a0cc06d201c4249b58a19d7741f58e1ec1b06ed4ac540795169cd7c7d.txt b/chunks/txt/8b11e85a0cc06d201c4249b58a19d7741f58e1ec1b06ed4ac540795169cd7c7d.txt new file mode 100644 index 0000000000000000000000000000000000000000..1abcec9713115fc5df009ad007f021d5a2402eb1 --- /dev/null +++ b/chunks/txt/8b11e85a0cc06d201c4249b58a19d7741f58e1ec1b06ed4ac540795169cd7c7d.txt @@ -0,0 +1,156 @@ +417 + +418 + +419 + +420 + +421 + +422 + +423 + +424 + +425 + +426 + +427 + +428 + +429 + +430 + +431 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +3 + +20 + +COST APPROACH + +Cost-New Improvements +Other +Price/Sq. Ft. + +Price Per Square Foot +Amount + +21 + +COST APPROACH + +Cost-New Improvements +Other +Cost + +New Improvement +Cost Amount + +22 + +COST APPROACH + +Cost-New Improvements +Extras + +New Improvement +Cost Description + +23 + +COST APPROACH + +Cost-New Improvements +Extras +Cost + +New Improvement +Cost Amount + +The price in terms of dollars per +square foot. This is a ratio between a +price and an area, but it is a monetary +value rather than a factor or rate. (i.e. +sales price per gross living area of a +property) +The dollar value of total estimated +costs to reproduce new the property +improvement. (CALCULATED +RESULTS FIELD) +A free form text field used to capture +additional information about new +property improvement reproduction +costs. +The dollar value of total estimated +costs to reproduce new the property +improvement. (CALCULATED +RESULTS FIELD) + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/COST_ANALYSIS/NEW_IMPROV +EMENT[@_Type='Other']/@PricePerSquareFoo +tAmount + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/COST_ANALYSIS/NEW_IMPROV +EMENT[@_Type='Other']/@_CostAmount + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/COST_ANALYSIS/NEW_IMPROV +EMENT[@_Type='Additional']/@_CostDescript +ion + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/COST_ANALYSIS/NEW_IMPROV +EMENT[@_Type='Additional']/@_CostAmount + +24 + +COST APPROACH + +Cost-New Improvements +Garage/Carport +Sq. Ft. + +Square Feet Count + +Identifies an area measured in square +feet. (e.g. The area of a room or deck) + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/COST_ANALYSIS/NEW_IMPROV +EMENT[@_Type='Garage']/@SquareFeetCount diff --git a/chunks/txt/8b22446c09aebf0b717e242d280d31ffdfe67a7d9009b811a6bf615348b07ea4.txt b/chunks/txt/8b22446c09aebf0b717e242d280d31ffdfe67a7d9009b811a6bf615348b07ea4.txt new file mode 100644 index 0000000000000000000000000000000000000000..cae626c0167149029b112fa46eadd57edf46dfe8 --- /dev/null +++ b/chunks/txt/8b22446c09aebf0b717e242d280d31ffdfe67a7d9009b811a6bf615348b07ea4.txt @@ -0,0 +1,103 @@ +Dwelling Rear Photo +Photo(s) of the rear of the dwelling may be provided, which display in Appraisal +Update Exhibits with the caption “Dwelling Rear.” A caption may be provided +to further identify each photo. + +See +iGuide + +Appraisal +Update Exhibits + +If required by client or +scope of work + +Photos or images Other photos or images relevant to the Appraisal Update may be provided, +which display in Appraisal Update Exhibits. A caption must be provided to +further describe each photo or image. + +Appendix F-2: Appraisal Update Report Reference Guide + +Page 13 of 28 + +Version 1.3 + +Uniform Appraisal Dataset + +04 Assignment Information + +04 Assignment Information + +The Assignment Information section always displays and provides information about the entities involved in the +appraisal update, and work completed by the appraiser and other parties. + +General Information + +Appraisal Update - Assignment Information: General Information + +Report +Field ID + +Report Label + +When to Include + +04.001 Borrower Name + +If applicable + +Allowable +Answers / Format + +Free-form +Repeatable + +Definition / Additional Guidance + +Notes: +• +• + +The borrower can be a person or a legal entity. +For VA, reference VA appraisal guidelines. + +04.002 Appraiser Fee + +If required by state or +client + +Dollar amount + +The fee charged by the appraiser. + +Note: If not populated, Appraiser Fee does not display. + +04.003 AMC Fee + +If required by state or +client + +Dollar amount + +The fee charged by the AMC. + +Not on +Report + +This is an +appraiser input +that does not +display + +04.004 Government + +Agency + +04.005 + +Investor +Requested +Special +Identification + +Always required diff --git a/chunks/txt/8b28082717957ba424ed27b2c24eb737a07713832797f1f982e0533feb5898c1.txt b/chunks/txt/8b28082717957ba424ed27b2c24eb737a07713832797f1f982e0533feb5898c1.txt new file mode 100644 index 0000000000000000000000000000000000000000..98ad5ca730a361f9b830ef1ba5b41806b9ca6c7c --- /dev/null +++ b/chunks/txt/8b28082717957ba424ed27b2c24eb737a07713832797f1f982e0533feb5898c1.txt @@ -0,0 +1,131 @@ +Boolean + +A value of 'Y' indicates there is a disposal. A value of 'N' indicates the box was not +checked. + +Boolean + +A value of 'Y' indicates there is a microwave. A value of 'N' indicates the box was +not checked. + +Boolean + +A value of 'Y' indicates there is a washer/dryer. A value of 'N' indicates the box was +not checked. + +Boolean + +A value of 'Y' indicates there is an other appliance. A value of 'N' indicates the box +was not checked. + +2 + +2 + +5 + +Numeric + +Numeric + +Numeric + +UAD Requirement - Refer to Appendix D Improvements Section +Specify Above Grade Rooms Only + +PDF Display Format: +Whole numbers only. +UAD Requirement - Refer to Appendix D Improvements Section +Specify Above Grade Bedrooms Only + +PDF Display Format: +Whole numbers only. +UAD Requirement - Refer to Appendix D Improvements Section +Specify Above Grade Bathrooms Only + +PDF Display Format: +Full Bath Count.Half Bath Count +nn.nn + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUI +PMENT[@_Type='Other']/@_TypeOtherDescription + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +This field should be populated if field 1-199 +(Kitchen Equipment Exists Indicator) is +indicated. + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +R + +R + +R + +Form FNM 2055 FRE 2055 +Appendix B: GSE Appraisal Forms Mapping + +Page 185 of 211 + +Document Version 1.4 + +Sort +ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point +Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality diff --git a/chunks/txt/8b35c38018867071ca3a31da73bba23cc589da941db282b8baf36e3bf8774d81.txt b/chunks/txt/8b35c38018867071ca3a31da73bba23cc589da941db282b8baf36e3bf8774d81.txt new file mode 100644 index 0000000000000000000000000000000000000000..78fb9139ee4ba0161e293bcb37abaac60c53380c --- /dev/null +++ b/chunks/txt/8b35c38018867071ca3a31da73bba23cc589da941db282b8baf36e3bf8774d81.txt @@ -0,0 +1,159 @@ +CR + +T + +R + +T + +T + +T + +R + +T + +R + +T + +T + +T + +R + +T + +R + +T + +T + +T + +R + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 108 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D + +348 + +3 + +e-6 + +SALES +COMPARISON +APPROACH + +View + +(View Type) + +GSE View Type + +The type of view associated with the +property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_V +IEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL_EXTENSION_ +SECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_DATA +/COMPARISON_VIEW_DETAIL[@_SequenceIdentifier='1..2']/@GSEViewTyp +e + +19 + +Enumerated + +349 + +350 + +3 + +3 + +e-7 + +29 + +SALES +COMPARISON +APPROACH + +View + +(View Type Other Description) + +GSE View Type +Other Description + +The type of view associated with the +property if other is selected. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_V +IEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL_EXTENSION_ +SECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_DATA +/COMPARISON_VIEW_DETAIL[@GSEViewType='Other']/@GSEViewTypeOt +herDescription + +20 + +Enumerated + +SALES +COMPARISON +APPROACH + +Design (Style) diff --git a/chunks/txt/8b43237381218151d11807aa0156561ea8a35d3bdca8cd98085473f30672933d.txt b/chunks/txt/8b43237381218151d11807aa0156561ea8a35d3bdca8cd98085473f30672933d.txt new file mode 100644 index 0000000000000000000000000000000000000000..f3cbd917c4ced1bd66abd5820d9c1bc56789a420 --- /dev/null +++ b/chunks/txt/8b43237381218151d11807aa0156561ea8a35d3bdca8cd98085473f30672933d.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/about/fhfa-policies/accessibility" +date_accessed: "2026-01-27T17:48:01.707Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/8b5558665058d6badc14d8b0bcdf51c627b3fdbbe5bf30e581fa03457d501cee.txt b/chunks/txt/8b5558665058d6badc14d8b0bcdf51c627b3fdbbe5bf30e581fa03457d501cee.txt new file mode 100644 index 0000000000000000000000000000000000000000..ff487accb3a923bff03608a66fe373b7297360a7 --- /dev/null +++ b/chunks/txt/8b5558665058d6badc14d8b0bcdf51c627b3fdbbe5bf30e581fa03457d501cee.txt @@ -0,0 +1,13 @@ +enterprise: 1 | record_num_sf_nfc: 10000001 | tract_minority_cat: 2 | tract_income_cat: 2 | income_cat: 3 | ltv_cat: 2 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 5 | product: 1 | purchase_price: 335000 | rate_orig_cat: 10 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 2 | repurchased_pct: 1.0000 +enterprise: 1 | record_num_sf_nfc: 10000002 | tract_minority_cat: 1 | tract_income_cat: 2 | income_cat: 3 | ltv_cat: 2 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 5 | product: 1 | purchase_price: 105000 | rate_orig_cat: 9 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000 +enterprise: 1 | record_num_sf_nfc: 10000003 | tract_minority_cat: 1 | tract_income_cat: 3 | income_cat: 3 | ltv_cat: 3 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 5 | product: 1 | purchase_price: 460000 | rate_orig_cat: 9 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000 +enterprise: 1 | record_num_sf_nfc: 10000004 | tract_minority_cat: 3 | tract_income_cat: 1 | income_cat: 2 | ltv_cat: 3 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 4 | product: 1 | purchase_price: 385000 | rate_orig_cat: 9 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000 +enterprise: 1 | record_num_sf_nfc: 10000005 | tract_minority_cat: 2 | tract_income_cat: 2 | income_cat: 3 | ltv_cat: 4 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 4 | product: 1 | purchase_price: 283000 | rate_orig_cat: 9 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000 +enterprise: 1 | record_num_sf_nfc: 10000006 | tract_minority_cat: 2 | tract_income_cat: 2 | income_cat: 2 | ltv_cat: 5 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 5 | product: 1 | purchase_price: 216000 | rate_orig_cat: 10 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000 +enterprise: 1 | record_num_sf_nfc: 10000007 | tract_minority_cat: 2 | tract_income_cat: 3 | income_cat: 3 | ltv_cat: 1 | purpose_sf_nfc: 2 | fed_guarantee_sf_nfc: 1 | score_cat: 2 | product: 1 | purchase_price: 833000 | rate_orig_cat: 8 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000 +enterprise: 1 | record_num_sf_nfc: 10000008 | tract_minority_cat: 2 | tract_income_cat: 3 | income_cat: 3 | ltv_cat: 4 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 4 | product: 1 | purchase_price: 395000 | rate_orig_cat: 10 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000 +enterprise: 1 | record_num_sf_nfc: 10000009 | tract_minority_cat: 2 | tract_income_cat: 3 | income_cat: 3 | ltv_cat: 3 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 5 | product: 1 | purchase_price: 430000 | rate_orig_cat: 9 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000 +enterprise: 1 | record_num_sf_nfc: 10000010 | tract_minority_cat: 2 | tract_income_cat: 1 | income_cat: 2 | ltv_cat: 1 | purpose_sf_nfc: 2 | fed_guarantee_sf_nfc: 1 | score_cat: 4 | product: 1 | purchase_price: 190000 | rate_orig_cat: 7 | term_orig_cat: 2 | term_amort_cat: 2 | portfolio: 1 | repurchased_pct: 0.0000 +enterprise: 1 | record_num_sf_nfc: 10000011 | tract_minority_cat: 3 | tract_income_cat: 2 | income_cat: 3 | ltv_cat: 1 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 3 | product: 1 | purchase_price: 313000 | rate_orig_cat: 7 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000 +enterprise: 1 | record_num_sf_nfc: 10000012 | tract_minority_cat: 2 | tract_income_cat: 1 | income_cat: 2 | ltv_cat: 5 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 4 | product: 1 | purchase_price: 250000 | rate_orig_cat: 8 | term_orig_cat: 1 | term_amort_cat: 1 | portfolio: 1 | repurchased_pct: 0.0000 +enterprise: 1 | record_num_sf_nfc: 10000013 | tract_minority_cat: 1 | tract_income_cat: 3 | income_cat: 3 | ltv_cat: 3 | purpose_sf_nfc: 1 | fed_guarantee_sf_nfc: 1 | score_cat: 5 | product: 1 diff --git a/chunks/txt/8b6931ee7f699bc715d7532735d7beafaebc23cde86c895ab3d18c61ab80ce41.txt b/chunks/txt/8b6931ee7f699bc715d7532735d7beafaebc23cde86c895ab3d18c61ab80ce41.txt new file mode 100644 index 0000000000000000000000000000000000000000..21af4b26397da9cfe031c3b107b25dfdc146e8a1 --- /dev/null +++ b/chunks/txt/8b6931ee7f699bc715d7532735d7beafaebc23cde86c895ab3d18c61ab80ce41.txt @@ -0,0 +1,75 @@ +Signature + +Appraiser +Annie Appraiser +Annie Appraiser + +03/14/2022 + +Date of Signature and Report + +Level +ID +State +Expires + +Licensed Residential Appraiser +T235719287434 +TN +01/30/2024 + +Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2) + +Single Family Scenario 1 (SF1) + +Introduction + +This report is for a single-family detached home with three levels that is less than a half mile from the +town center. The property has two levels above grade and one level below grade, with a total finished +area of 4,302 sq. ft.; 3,002 sq. ft. finished above grade and 1,300 sq. ft. finished below grade. + +The below grade area has a rear walk out and includes a recreation room, media room, custom wet bar, +half bath, and 230 sq. ft. of unfinished storage area. + +The structure also includes a built-in two-car garage and a covered porch. + +Key Characteristics + +• + +Parties associated with this transaction: + +o Significant Real Property Appraisal Assistance was provided by appraiser trainee +o Appraiser +o AMC + +Construction Method: Site Built +Property is in a Planned Unit Development (PUD) +Accessibility features for individuals with disabilities +RESNET HERS Index Rating + +• +• +• +• +• Defects, Damages, Deficiencies indicate an item that affects soundness or structural integrity +• +• + +Appraisal is made Subject to Repair +There are two Overall Condition Ratings + +o Condition subject to repair – C4 (after repairs are completed) +o Based on As Is – C5 (current state condition) + +• + +• +• +• + +Sales contract was analyzed and included concessions, the transfer terms were considered +typically motivated, and it appears to be an arm’s length transaction +Two defects have been identified: one subject to repair, one with no recommended action +Below grade exterior access is included as an additional row in the sales grid +The Sales Comparison Approach section includes Additional Properties Analyzed Not Used diff --git a/chunks/txt/8b760bf9c8dcceced9755783b7cd3c0b9ea7a9ce012ffd1dab63284e759e6ce8.txt b/chunks/txt/8b760bf9c8dcceced9755783b7cd3c0b9ea7a9ce012ffd1dab63284e759e6ce8.txt new file mode 100644 index 0000000000000000000000000000000000000000..2fb61020a1c139f480bc376e5bce77b6a4a678d0 --- /dev/null +++ b/chunks/txt/8b760bf9c8dcceced9755783b7cd3c0b9ea7a9ce012ffd1dab63284e759e6ce8.txt @@ -0,0 +1,70 @@ +If applicable + +2-letter USPS state +code + +Definition / Additional Guidance + +Credential number issued by the state, referred to by the ASC as “state +registration tracking number”. + +State for the AMC credential that applies to the assignment. + +2.016 + +Expires + +If applicable + +mm/dd/yyyy + +Expiration date for the AMC credential. + +Appendix F-1: URAR Reference Guide + +Page 38 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +02 Assignment Information + +Appraiser and Supervisory Appraiser + +This portion of the Contact Information subsection shows details about the Appraiser and Supervisory +Appraiser, if applicable. Contacts display in this subsection when Role is Appraiser or Supervisory Appraiser. + +Allowable Answer + +Appraiser + +Supervisory Appraiser + +Appraiser and Supervisory Appraiser: Role + +Definition / Additional Guidance + +The person who developed the opinion of value and signed the report. +Notes: +• + +All who sign the certification are acting in the capacity of an appraiser, regardless of their level (i.e., Appraiser +Trainee, Appraiser). +Only select this answer when the person is performing the valuation service and signing the report. +Reference the Appraiser Certifications (29.020-29.053). + +The person who performed supervision of the appraisal process and signed the report. +Notes: +• + +An appraiser that signs the certification as a Supervisory Appraiser accepts full responsibility for all elements of the +certification, for the assignment results, and for the contents of the appraisal report. +Reference the Supervisory Appraiser Certifications (29.054-29.062, 29.071-29.074). + +• +• + +• + +Assignment Information: Contact Information – Appraiser and Supervisory Appraiser diff --git a/chunks/txt/8b973660b712d7317c7954444c7f1d0452303a326a1a69a769560f95d30dfeba.txt b/chunks/txt/8b973660b712d7317c7954444c7f1d0452303a326a1a69a769560f95d30dfeba.txt new file mode 100644 index 0000000000000000000000000000000000000000..06d3fae7c38a6c0d6600661653f10b3e84991eff --- /dev/null +++ b/chunks/txt/8b973660b712d7317c7954444c7f1d0452303a326a1a69a769560f95d30dfeba.txt @@ -0,0 +1,80 @@ +ULDDS Appendix A Uniform Loan Delivery Data Specification Appendix A – XML Data + +UMDP + +URAR + +URI +URLA + +URN +User Guide +V30_B263- +12_LDDReport +V3.0 +W3C +XLink +XML +XPath + +Requirements—used to refer to the joint GSE Appendix A +Uniform Mortgage Data Program + +Uniform Residential Appraisal Report, Fannie Mae Form 1004, Freddie Mac +Form 70 +Uniform Resource Identifier +Uniform Residential Loan Application, Fannie Mae Form 1003, Freddie Mac +Form 65 +Uniform Resource Name +Using MISMO® V3.0 and the Uniform Loan Delivery Data Specification +The file name for the V3.0 LDD + +Version 3.0 of the Reference Model and associated LDD +World Wide Web Consortium +XML Linking Language +eXtensible Markup Language +XML Path Language + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 69 of 76 + +Section IX. Data Points Referenced + +IX. Data Points Referenced + +AddressLineText, 60 +AddressType, 60 +AdjustmentRuleType, 16, 23-24, 51-53 +AppraiserLicenseIdentifier, 59 +AttachmentType, 16, 20, 70, 71 +AutomatedUnderwritingSystemType, 17 +AutomatedUnderwritingSystemTypeOtherDescriptio + +n, 17 + +AVMModelNameType, 17 +AVMModelNameTypeOtherDescription, 17 +BalloonIndicator, 47 +BalloonResetDate, 43, 46, 54 +BorrowerAgeAtApplicationYearsCount, 60 +BorrowerBirthDate, 19, 60 +BorrowerClassificationType, 60 +BorrowerFirstTimeHomebuyerIndicator, 60 + +BorrowerMailToAddressSameAsPropertyIndicator, + +60 + +BorrowerQualifyingIncomeAmount, 14, 60 +CeilingRatePercent, 52 +CitizenshipResidencyType, 60 +CityName, 14, 60 +ClosingCostContributionAmount, 22 +ClosingCostFundsType, 18, 22 +ClosingCostFundsTypeOtherDescription, 18 +ClosingCostSourceType, 22 +CounselingConfirmationType, 17, 18, 60 +CounselingConfirmationTypeOtherDescription, 17, diff --git a/chunks/txt/8b97ff29f8f746b0fd73324b20a022a78c0a6c117728d995c480c4088e3cf5d6.txt b/chunks/txt/8b97ff29f8f746b0fd73324b20a022a78c0a6c117728d995c480c4088e3cf5d6.txt new file mode 100644 index 0000000000000000000000000000000000000000..b5490991a55de1bbe94fb0e8845197bb468194c2 --- /dev/null +++ b/chunks/txt/8b97ff29f8f746b0fd73324b20a022a78c0a6c117728d995c480c4088e3cf5d6.txt @@ -0,0 +1,108 @@ +Uniform Residential Appraisal Report + +Page 10 of 22 + +Subject Property Amenities (continued) + +Indoor Fireplace + +This is where the Indoor Fireplace photo would display. + +Overall Quality and Condition + +Overall Quality + +Exterior Quality +Interior Quality + +Q3 +Q3 +Q2 + +Overall Condition + +Exterior Condition +Interior Condition + +C3 +C3 +C3 + +Reconciliation of Overall Quality and Condition + +The subject features higher end materials that are considered to be semi-custom. The dwelling has been well maintained with minimal wear +and tear. Possible termite infestation noted. + +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?   + +Market + +Market Area Boundary The subject is bounded on the northwest by Falling Road, east by I270 and south by Montour Road. + +Search Criteria Description Attached properties with Above Grade Finished Area ranging from 1,900 to 4,000 Sq. Ft. in the described market +boundary area. + +Search Result Metrics + +Active Listings + +Median Days on Market +Lowest List Price +Median List Price +Highest List Price + +Pending Sales + +Housing Trends + +Demand/Supply + +8 +46 +$780,000 +$1,070,000 +$1,550,000 +2 + +Sales in Past 12 Months + +Lowest Sale Price +Median Sale Price +Highest Sale Price + +Distressed Market Competition +Graph +Price Trend Source + +6 +$780,000 +$880,000 +$1,050,000 +No +Price Trend +This Area MLS + +In Balance + +Marketing Time + +Under 3 Months + +Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2) diff --git a/chunks/txt/8b98dcbeb891fd0abc46ab21969896890af3dd58d0ce351dc698af325e3787a1.txt b/chunks/txt/8b98dcbeb891fd0abc46ab21969896890af3dd58d0ce351dc698af325e3787a1.txt new file mode 100644 index 0000000000000000000000000000000000000000..1f77c05c97beabd6d76d68d9d9eb80359087078a --- /dev/null +++ b/chunks/txt/8b98dcbeb891fd0abc46ab21969896890af3dd58d0ce351dc698af325e3787a1.txt @@ -0,0 +1,31 @@ +21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided +significant real property appraisal assistance. + +22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is +unauthorized and I will take no responsibility for it. + +Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 20 of 20 + +Certifications (continued) + +23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will +receive this appraisal report. + +24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject +to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that +pertain to disclosure or distribution by me. + +25. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the +mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data +collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any +state, the District of Columbia, or other jurisdictions. Any of the foregoing persons or entities who receive this appraisal report may choose to +store, copy, reproduce, analyze, use and distribute the data in the appraisal report for internal or external purposes without having to obtain +the appraiser’s or supervisory appraiser’s (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or +distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). A +person or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as +an intended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to +the mortgage finance transaction and related activities for which this appraisal report was prepared. diff --git a/chunks/txt/8b9e7b6898e7c95c6460fee50d42c03782774e44cb116d772a9b2ed9dab76c85.txt b/chunks/txt/8b9e7b6898e7c95c6460fee50d42c03782774e44cb116d772a9b2ed9dab76c85.txt new file mode 100644 index 0000000000000000000000000000000000000000..3368e5c72c7e065eb96908b2f69f09868a131d99 --- /dev/null +++ b/chunks/txt/8b9e7b6898e7c95c6460fee50d42c03782774e44cb116d772a9b2ed9dab76c85.txt @@ -0,0 +1,32 @@ +The Maximum Interest Rate permitted by the note terms, such as an interest rate ‘‘cap” or “ceiling”. If the +note terms do not specify a maximum interest rate, the maximum interest rate permitted by applicable +law, such as State usury law, must be disclosed. + +20.4 Change Frequency-First Change - the month when the interest rate may first change, counted from the + +note date. + +20.5 Change Frequency-Subsequent Change - the frequency of interest rate adjustments after the initial + +adjustment. + +20.6 Limits on Interest Rate Changes –First Change - the rate cap for the first adjustment of the interest rate + +after consummation. + +20.7 Limits on Interest Rate Changes –Subsequent Change - the rate cap for subsequent adjustments of the + +interest rate after the initial adjustment. If more than one limit applies to rate adjustments after the initial +adjustment, the highest limit for subsequent adjustments must be disclosed. For For example, if the second +adjustment is capped at two and a half percent, and all subsequent adjustments are capped at three +percent, the disclosure required is ‘‘3%.’’ + +A. LOAN TERMS AND AI R T ABLES + +Some of the rate adjustment information required for the AIR table has already been provided in 4.0 Loan +Terms as part of the description of the increase to the Interest Rate. The following table shows similarities and +differences between 4.2.3 in the Loan Terms table and the AIR Table. This relationship is important to +understand, because the same data points are used to populate both tables where the data overlaps, and +appear in the XML file only once. + +Table 140. Loan Terms and AIR Table Interest Rate Features diff --git a/chunks/txt/8ba62ad0241b0139d6d93966d367a79245473d7fcc46b6a847c2ecb8c2bc2f35.txt b/chunks/txt/8ba62ad0241b0139d6d93966d367a79245473d7fcc46b6a847c2ecb8c2bc2f35.txt new file mode 100644 index 0000000000000000000000000000000000000000..45044d4e674ce740abf7d16ab1cb7ae241c30ad7 --- /dev/null +++ b/chunks/txt/8ba62ad0241b0139d6d93966d367a79245473d7fcc46b6a847c2ecb8c2bc2f35.txt @@ -0,0 +1,125 @@ +Adjustable Interest Rate (AIR) Table + +20.0 + +Interest Rate Adjustments + +Initial Interest Rate + +20.1 3 +20.2 2% + +Minimum/Maximum Interest Rate + +20.3 2% Min/5% Max + +Change Frequency + +First Change + +Subsequent Change + +20.4 Beginning of 13th month + +20.5 Every 12 months after first change +for 36 months + +Limits on Interest Rate Changes + +First Change + +Subsequent Change + +20.6 1% + +20.7 1% + +Figure 131. Step Rate Mortgage + +1. LOAN TERMS TABLE STEP RATE ENTRI ES + +As shown in the figure below, Row 4.2 of the Loan Terms table provides information about the Step Rate loan +that is presented again in the AIR Table. + +Loan Terms + +4.0 Rate + +Increase? + +Description + +4.2 Interest Rate + +4.2.1 2% + +4.2.2 YES + +4.2.3 + +1) Adjusts every year starting in year 2 + +2) Can go as high as 5% in year 4 + +3) See AIR Table on page 4 for details + +Appendix E: UCD Implementation Guide + +Page 212 of 254 + +Version 1.4 + +Uniform Closing Dataset + +20.0 Adjustable Interest Rate (AIR) Table + +Figure 132. Step Rate Loan + +2. LOAN TERMS AND AI R TABLES FOR STEP RATE + +Table 143 links the information provided in the Loan Terms and AIR tables. Only those Form Field IDs that share +values across both tables are included. + +Table 143. Loan Terms and AIR Tables for Step Rate Loan + +Loan Terms Table-Interest Rate (4.2) + +ID (bullet) + +4.2.2 + +Form Field Name + +Interest Rate - Can this amount increase after +closing? YES + +N/A + +4.2.1 + +Interest Rate 2% + +N/A + +4.2.3 (2) + +4.2.3 (1) + +Can go as high as 5% in year # + +Adjusts every # years starting in year 2 + +4.2.3 (1) + +Adjusts every year1 starting in year # + +N/A + +N/A + +AIR Table (20.0) + +Form Field Name + +Adjustable Interest Rate (AIR) Table +(If 4.2.2 = YES must be included) diff --git a/chunks/txt/8bb6442f208db8bb7c9c34de0fdac7ab4807f631673a6d2baa8e7fc2238f9e52.txt b/chunks/txt/8bb6442f208db8bb7c9c34de0fdac7ab4807f631673a6d2baa8e7fc2238f9e52.txt new file mode 100644 index 0000000000000000000000000000000000000000..4a0676a84eaa9845387fac16369becc1086ae3f7 --- /dev/null +++ b/chunks/txt/8bb6442f208db8bb7c9c34de0fdac7ab4807f631673a6d2baa8e7fc2238f9e52.txt @@ -0,0 +1,7 @@ +2 + +AppraisalReport + +FNM_FRE + +September 2024 diff --git a/chunks/txt/8bda36db34a913e240915e9a634a7e93ee7292737349de2ee3d5fc42ee712b25.txt b/chunks/txt/8bda36db34a913e240915e9a634a7e93ee7292737349de2ee3d5fc42ee712b25.txt new file mode 100644 index 0000000000000000000000000000000000000000..84a7ed08f058830e4e6e565a96885d2f4a973cb1 --- /dev/null +++ b/chunks/txt/8bda36db34a913e240915e9a634a7e93ee7292737349de2ee3d5fc42ee712b25.txt @@ -0,0 +1,176 @@ +24.003 +24.014 + +Gross Building +Finished Area + +When the +subject or any +GRM +comparable +has ADUs + +If relevant + +Always required + +Number + +Required when the +row is included in the +GRM comparison grid + +Number of square +feet + +24.004 +24.015 + +Rent Control + +If relevant + +Required when the +row is included in the +GRM comparison grid + +Yes | No + +Subject Property +• + +Number of ADUs +on Subject +Property 3.006 + +The appraiser must +enter the information +for the subject +property. + +Note: Displays in Sales +Comparison Approach, +if applicable +• + +Gross Building +Finished Area +22.05.04 + +Property Subject to Rent +Control does not +populate from other +sections; the appraiser +must enter information +for the subject property + +Appendix F-1: URAR Reference Guide + +Page 306 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +24 Income Approach + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Income Approach: Gross Rent Multiplier Comparables + +Report +Field ID + +24.006 +24.016 + +Report Label + +Additional +data element +displays as the +Report Label +24.005 + +If relevant + +Required when the +row is included in the +GRM comparison grid + +Free-form + +24.017 + +Sale Price + +Always + +Always required + +Dollar amount + +24.018 + +Sale Date + +Always + +Always required + +mm/dd/yyyy + +24.019 + +Gross Monthly +Rent + +Always + +Always required + +Yes | No + +24.007 +24.019 + +Gross Monthly +Rent + +Always + +Always required + +Dollar amount + +24.020 + +Gross Rent +Multiplier + +Always + +Always required + +Number + +Additional Row does not +populate from other +sections; the appraiser +must enter information +for the subject property diff --git a/chunks/txt/8c085ca3c2ea5668dcb6a1973f05db37240b4699344106b4a501d788498ae7f9.txt b/chunks/txt/8c085ca3c2ea5668dcb6a1973f05db37240b4699344106b4a501d788498ae7f9.txt new file mode 100644 index 0000000000000000000000000000000000000000..5e1b492174ff17a7a09bb177fc1602067fe060ec --- /dev/null +++ b/chunks/txt/8c085ca3c2ea5668dcb6a1973f05db37240b4699344106b4a501d788498ae7f9.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/671","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. 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If +the subject property address has not been assigned through USPS, another +descriptive method for the address line (e.g., Lot and Block) must be provided +to indicate the location. diff --git a/chunks/txt/8c1f379021ede7ca7fb1a253f59464d765cefc72d04fb5647565ea23e4b1a580.txt b/chunks/txt/8c1f379021ede7ca7fb1a253f59464d765cefc72d04fb5647565ea23e4b1a580.txt new file mode 100644 index 0000000000000000000000000000000000000000..4c7522fd177b32efb869b0aca7851c2e9f05a2cb --- /dev/null +++ b/chunks/txt/8c1f379021ede7ca7fb1a253f59464d765cefc72d04fb5647565ea23e4b1a580.txt @@ -0,0 +1,196 @@ +Square Feet of Gross Living Area Above Grade + +Floors 159 +Walls 160 +Trim/Finish 161 +Bath Floor 162 +Bath Wainscot 163 +Car Storage + Driveway # of Cars 197 + 196 + +None + 195 + +Describe the condition of the property (including needed repairs, deterioration, renovations, remodeling, etc.). e-9; e-10; e-11; e-12; e-13; 219 + +S +U +B +J +E +C +T + +C +O +N +T +R +A +C +T + +N +E +I +G +H +B +O +R +H +O +O +D + +S +I +T +E + +I +M +P +R +O +V +E +M +E +N +T +S + +Are there any physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property? Yes No If Yes, describe 222 + +220 + +221 + +Does the property generally conform to the neighborhood (functional utility, style, condition, use, construction, etc.)? Yes No If No, describe 225 + +223 + +224 + +Freddie Mac Form 70H July 2020 + +226 + +Page 1 of 6 + +Fannie Mae Form 1004 Hybrid July 2020 + +2 + +There are 5 +There are 8 + +FEATURE + +Address 11 + +Uniform Residential Appraisal Report (Hybrid) + +comparable properties currently offered for sale in the subject neighborhood ranging in price from $ + comparable sales in the subject neighborhood within the past twelve months ranging in sale price from $ +COMPARABLE SALE # 2 +45 +46a 46b 46c + +COMPARABLE SALE # 1 +45 +46a 46b 46c + +SUBJECT + +6 + 9 + +File # 3 + to $ + +4 4a + 7 + +to $ + +10 + +COMPARABLE SALE # 3 +45 +46a 46b 46c + ++(-) $ Adjustment + +24 + +22 + +60 + +62 + +21 + +66 + +25 + +47 + +63 + +61 + +47 + +51 + +57 + +59 + +51 + +62 + +60 + +53 +55 + +sq. ft. + +sq. ft. + +sq. ft. + +$ 48 + +$ 48 + +$ 49 + +$ 49 + +e-25; e-2 + +e-25; e-2 + +e-5; e-6; e-7 + +e-5; e-6; e-7 + +DESCRIPTION + +DESCRIPTION + +DESCRIPTION + +e-14; e-15; e-16 + +e-29; e-30; e-31 + +e-29; e-30; e-31 diff --git a/chunks/txt/8c23f407432af34c3ab023c9a09e952822d9f1c41aafe6d59a55e6c4aaebe1b7.txt b/chunks/txt/8c23f407432af34c3ab023c9a09e952822d9f1c41aafe6d59a55e6c4aaebe1b7.txt new file mode 100644 index 0000000000000000000000000000000000000000..138cd8cbc5bf7d24819ff0491e7812035295e3e2 --- /dev/null +++ b/chunks/txt/8c23f407432af34c3ab023c9a09e952822d9f1c41aafe6d59a55e6c4aaebe1b7.txt @@ -0,0 +1,109 @@ +20.1 Index + Margin +20.2 Initial Interest Rate 4% +20.3 /Maximum Interest Rate 12% Max +20.3 Minimum/ Interest Rate +20.4 Change Frequency –First Change Beginning of 61st + +month + +4.2.3 (1) Adjusts every 3 years1 starting in year # + +20.5 Change Frequency–Subsequent Change Every 36 + +N/A +N/A + +months after first change + +20.6 Limits on Interest Rate Changes – First Change +20.7 Limits on Interest Rate Changes – Second Change + +1The change frequency noted here can apply to the subsequent adjustment because the change frequency does not change +throughout the life of the loan (every 3 years after initial 5-year period). + +The data points used to provide this information are shown in the table below. The Loan Terms table Form Field +IDs have been included where applicable to help emphasize that the data points are provided only once in the +XML file. + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data + +Point/Attribute MISMO v3.3.0 Value + +Notes + +Table 142. Adjustable Rate Mortgage + +…/INTEREST_RATE_A +DJUSTMENT/INDEX_ +RULES/INDEX_RULE + +…/INTEREST_RATE_A +DJUSTMENT/INTERE +ST_RATE_LIFETIME_ +ADJUSTMENT_RULE + +20.1 + +Index + Margin + +20.3 | +4.2.3(2) + +Minimum/ Maximum +Interest Rate + +20.4 | +4.2(1) + +Change Frequency- +First Change + +20.3 Minimum/ Maximum +Interest Rate + +20.1 + +Index + Margin + +IndexType + +LIBOR + +ROF a “LIBOR” + +CeilingRatePercent + +12.0000 + +FirstRateChangeMon +thsCount + +61 + +ROF as “12% Max” +on AIR Table + +Represented as +“Beginning of 61st +month” on AIR Table + +FloorRatePercent + +2.5000 + +ROF as “2.5% Min” + +MarginRatePercent 2.5000 + +ROF as “2.5%” + +Appendix E: UCD Implementation Guide + +Page 210 of 254 diff --git a/chunks/txt/8c2853e19114f958543ade739c6858a14a5977b442733caa6946558f611d2559.txt b/chunks/txt/8c2853e19114f958543ade739c6858a14a5977b442733caa6946558f611d2559.txt new file mode 100644 index 0000000000000000000000000000000000000000..72d49d068c433454e2d9a722e61604295c8c3572 --- /dev/null +++ b/chunks/txt/8c2853e19114f958543ade739c6858a14a5977b442733caa6946558f611d2559.txt @@ -0,0 +1,41 @@ + The RELATIONSHIPS container as a child of a DEAL container links all the information for a +DEAL/LOANS/LOAN, such as asset and liability information, to an individual borrowers under +DEAL/PARTIES/PARTY container. + +The MISMO Reference Model uses an XML specification called XLink to define data relationships in a +MISMO message that are not naturally expressed by the MISMO container hierarchy. The full XLink +standard is defined by the W3C at http://www.w3.org/TR/xlink. At this time MISMO is only using a +limited set of the XLink attributes. + +One of the XLink attributes, arcrole describes the type of relationship between source data and target +data. The XLink from attribute identifies the source data point or container. The XLink to attribute +identifies the target data point or container. The XLink label attribute is an identifier that is attached to +data point or container elements that will be used to express an arcrole relationship. The MISMO +RELATIONSHIP container elements hold the XLink arcrole, from and to attributes that describe the +data relationships. + +In the simplified example below, a CREDIT_RESPONSE has returned CREDIT_SCORE data for +BORROWER parties in a loan DEAL. XLink label attributes are added to each CREDIT_SCORE +element and each PARTY element’s ROLE element. The MISMO RELATIONSHIP element identifies +which credit score is associated with each borrower. + +Data Relationships Using Xlink and MISMO Arcroles + +Page 10 of 29 + +Version 1.1 + +___________ _ __ Rules for XLink Relationships + +DEAL + RELATIONSHIPS + +RELATIONSHIP + +RELATIONSHIP + +RELATIONSHIP + +RELATIONSHIP + +RELATIONSHIP diff --git a/chunks/txt/8c615be3bc733ca4e0515a1cc97cc06aad1e14f75a8e128349f50134d0832477.txt b/chunks/txt/8c615be3bc733ca4e0515a1cc97cc06aad1e14f75a8e128349f50134d0832477.txt new file mode 100644 index 0000000000000000000000000000000000000000..9597fb30075c031ae7d9f6a5aff2e342b8a765ea --- /dev/null +++ b/chunks/txt/8c615be3bc733ca4e0515a1cc97cc06aad1e14f75a8e128349f50134d0832477.txt @@ -0,0 +1,19 @@ +Sandra L. Thompson, Director of FHFA, delivered [remarks](https://home.treasury.gov/system/files/231/Agenda-FLEC-Public-Meeting-Nov-2022.pdf) during the Financial Literacy Education Commission (FLEC) Public Meeting on November 17, 2022, which also touched upon climate. + +Daniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, served as the keynote presenter for the September 30, 2022, Climate Adaptation Forum (CAF). + +Sandra L. Thompson, Director of FHFA, addressed climate change during the National Association of Federally Insured Credit Unions (NAFCU)’s Congressional Caucus event in September 2022. + +Daniel E. Coates, Deputy Director for the Division of Research and Statistics at FHFA, addressed climate change in a podcast on climate change risk organized by the National Association of Federally Insured Credit Unions (NAFCU) in August 2022. + +[Remarks of Sandra L. Thompson, Director of FHFA, at Financial Stability Oversight Council Principals Meeting on July 28, 2022.](https://home.treasury.gov/system/files/256/FSOC_20220728_Minutes.pdf) + +[FHFA Acting Director Sandra L. Thompson's Statement on Climate Change on December 27, 2021](/news/statement/fhfa-acting-director-sandra-l.-thompsons-statement-on-climate-change). + +[Prepared Remarks of Sandra L. Thompson, Acting Director of FHFA, at Financial Stability Oversight Council Principals Meeting. on October 21, 2021](/news/speech/prepared-remarks-of-sandra-l.-thompson-acting-director-of-fhfa-at-financial-stability-oversight). + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* diff --git a/chunks/txt/8c698ed9117a307d5862a4c3cc22af870a1abfd55d13ff805da963f9bc392681.txt b/chunks/txt/8c698ed9117a307d5862a4c3cc22af870a1abfd55d13ff805da963f9bc392681.txt new file mode 100644 index 0000000000000000000000000000000000000000..a1d13c45930f96f149795d410a0bc9d0a6857178 --- /dev/null +++ b/chunks/txt/8c698ed9117a307d5862a4c3cc22af870a1abfd55d13ff805da963f9bc392681.txt @@ -0,0 +1,231 @@ +Sales Comparison Approach + +Subject Property + +Comparable #1 + +Comparable #2 + +Comparable #3 + +General Information + +Property Address + +456 Something Rd +Somewhere, VA 12345 + +35361 Place Rd +Somewhere, VA 12345 + +38243 Liberty Rd +Somewhere, VA 12345 + +35422 Peace Rd +Somewhere, VA 12345 + +0.40 Miles N + +$789,000 + +Settled Sale + +— + +$770,000 + +$0 + +$0 + +$0 + +$0 + +$0 + +$0 + +$0 + +$0 + +None + +None + +This is where the Dwelling +Front photo would display. + +This is where the +Comparable 1 photo +would display. + +This is where the +Comparable 2 photo +would display. + +This is where the +Comparable 3 photo +would display. + +Assessor Record | MLS 134710 Assessor Record | MLS 133832 Assessor Record | MLS 134531 + +Data Source + +Proximity to Subject + +List Price + +Listing Status + +Contract Price + +Sale Price + +Sales Concessions + +Contract Date + +Sale Date + +Days on Market + +Attached/Detached + +Property Rights Appraised + +Annual Ground Rent + +Site + +Site Size + +$799,900 + +Pending + +$765,000 + +No + +08/20/2019 + +79 + +Detached + +Leasehold + +$1,200 + +0.9 Miles N + +$839,999 + +Settled Sale + +— + +$810,000 + +$0 + +$0 + +$0 + +No + +06/01/2019 + +08/01/2019 + +7 + +Detached + +Leasehold + +$1,250 + +0.56 Miles E + +$839,900 + +Settled Sale + +— + +$820,000 + +$0 + +$0 + +$0 + +Unknown + +07/01/2018 + +01/01/2019 + +76 + +Detached + +Leasehold + +$1,200 + +Unknown + +04/01/2019 + +08/01/2019 + +94 + +Detached + +Leasehold + +$1,000 + +14,000 Sq. Ft. + +19,600 Sq. Ft. + +$(30,000) + +9,000 Sq. Ft. + +$30,000 + +14,500 Sq. Ft. + +Street Type | Surface + +Local Road | Asphalt + +Local Road +| Asphalt + +Local Road +| Asphalt + +Local Road | +Concrete + +View | Range + +Residential | Full + +Residential | Full + +Mountain | Full + +$(40,000) + +Residential | Full diff --git a/chunks/txt/8c89502dfe15fbe629ebfbfd8bffe3ca5d0ec5ad7834a41e5d4ea86ecd36db56.txt b/chunks/txt/8c89502dfe15fbe629ebfbfd8bffe3ca5d0ec5ad7834a41e5d4ea86ecd36db56.txt new file mode 100644 index 0000000000000000000000000000000000000000..15123973cb8b577380ea0423714d257aea244984 --- /dev/null +++ b/chunks/txt/8c89502dfe15fbe629ebfbfd8bffe3ca5d0ec5ad7834a41e5d4ea86ecd36db56.txt @@ -0,0 +1,221 @@ +Condition + +Kitchen + +Overall Bathrooms + +Q4 + +Q4 + +Q3 + +Q4 + +Formica Countertops +| Vinyl Floor + +Solid Surface Countertops +| Tile Floor + +C1 + +Fully Updated + +Fully Updated + +Formica Countertops +| Vinyl Floor + +Formica Countertops +| Vinyl Floor + +C4 + +Not Updated + +Not Updated + +Granite Countertops +| Tile Floor + +Granite Countertops +| Tile Shower + +C4 + +Not Updated + +Not Updated + +Formica Countertops +| Vinyl Floor + +Formica Countertops +| Vinyl Floor + +C4 + +Not Updated + +Not Updated + +Overall Quality and Condition (Ratings: 1-6, 1 is highest) + +Quality + +Condition + +Property Amenities + +Outdoor Living + +Whole Home + +Vehicle Storage + +Type | Spaces | Detail + +Q4 + +C1 + +Q4 + +C3 + +$9,500 + +Q4 $(10,000) + +C3 + +$7,000 + +Q4 + +C3 + +$17,000 + +Deck | Deck + +Deck | Deck + +Indoor Fireplace - 1 + +Indoor +Fireplace - 1 + +— + +— + +$10,000 + +$1,500 + +— + +$10,000 + +Indoor +Fireplace - 1 + +Driveway | 5 | Gravel +Garage | 2 | Detached +700 Sq. Ft. + +$4,500 + +Driveway | 5 | Gravel +Garage | 1 | Attached + +Driveway | 5 | Gravel +Garage | 2 | Detached + +$9,000 + +Driveway | 5 | Gravel + +Outbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts) + +Outbuilding Type + +Unfinished Area + +Outbuilding Type + +Finished Area + +Baths - Half + +Heating + +Utilities + +Summary + +List Price + +Sale Price + +Net Adjustment Total + +Price Per Finished +Area Above Grade + +Adjusted Price + +Comparable Weight + +Barn + +800 Sq. Ft. + +Barn + +$0 + +Shed + +$5,000 + +Workshop + +$(5,000) + +500 Sq. Ft. + +500 Sq. Ft. + +500 Sq. Ft. + +Rec Room/Garage + +Workshop $(10,000) + +— + +200 Sq. Ft. + +0 + +None + +Electricity + +— + +1,200 Sq. Ft. + +1 + +Yes + +Electricity | Sanitary +Sewer | Water + +$440,000 + +$435,000 diff --git a/chunks/txt/8c8f8c8b8dd1a1004728ecb87ed825dc4db8c09404f8052903431612741ffde7.txt b/chunks/txt/8c8f8c8b8dd1a1004728ecb87ed825dc4db8c09404f8052903431612741ffde7.txt new file mode 100644 index 0000000000000000000000000000000000000000..cd3517144756f9b40f3c63799c46a97b953689bc --- /dev/null +++ b/chunks/txt/8c8f8c8b8dd1a1004728ecb87ed825dc4db8c09404f8052903431612741ffde7.txt @@ -0,0 +1,135 @@ +1,190 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +0 Sq. Ft. +Physical Measurement + +Levels in Unit +Floor Number +Occupancy +Utilities Separately Metered +Total Bedrooms +Total Bathrooms - Full +Total Bathrooms - Half + +1 +2 +Tenant +Yes +2 +2 +0 + +Level in Unit +Level 1 + +Grade Level Detail + Above Grade + +Finish +Finished + +Area +1,190 Sq. Ft. + +Room Summary +2 - Bath - Full +2 - Bedroom +1 - Dining Room +1 - Kitchen +1 - Living Room + +Quality and Condition + +Interior Quality Rating + +Q4 + +Interior Condition Rating + +C3 + +The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report + +Kitchen and Bathroom Details + +Room +Kitchen +Level 1 + +Bath - Full +Level 1 + +Bath - Full +Level 1 + +Update Status +Not Updated + +Not Updated + +Not Updated + +Time Frame + +Quality Comment + +Condition Comment + +Condition Status +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Overall Update Status for +Bathrooms + +Not Updated + +Interior Features + +Feature +Flooring + +Walls and Ceiling + +Overall Update Status for +Flooring + +Detail +Carpet + +Ceramic Tile + +8 Ft. | Flat + +Not Updated + +Quality Comment + +Condition Status +Typical Wear and Tear + +Typical Wear and Tear + +Typical Wear and Tear + +Condition Comment + +Apparent Defects, Damages, Deficiencies (Unit Interior - Building 1 - Unit D) + +None + +Unit Interior Exhibits + +Level 1 - Bath - Full - Bath 1 + +Level 1 - Bath - Full - Bath 2 + +This is where the Unit D Bath 1 photo would display. + +This is where the Unit D Bath 2 photo would display. + +Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024 diff --git a/chunks/txt/8c9f24aff3d1a3242dd66206feb3c5c2771bc638386c984a94696182ef353df1.txt b/chunks/txt/8c9f24aff3d1a3242dd66206feb3c5c2771bc638386c984a94696182ef353df1.txt new file mode 100644 index 0000000000000000000000000000000000000000..350ef477c91d668701113f559af3a47180328cf6 --- /dev/null +++ b/chunks/txt/8c9f24aff3d1a3242dd66206feb3c5c2771bc638386c984a94696182ef353df1.txt @@ -0,0 +1 @@ +document.cookie="guest_id_marketing=v1%3A176945514131215508; Max-Age=63072000; Expires=Thu, 27 Jan 2028 17:54:20 GMT; Path=/; Domain=.x.com; Secure; 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diff --git a/chunks/txt/8ca63873b694449c32dd771aa04271b45121ee52d5e7a646ef1d30226d3f6110.txt b/chunks/txt/8ca63873b694449c32dd771aa04271b45121ee52d5e7a646ef1d30226d3f6110.txt new file mode 100644 index 0000000000000000000000000000000000000000..0e2b436a46a724c796bf1d0234e7e035011dd980 --- /dev/null +++ b/chunks/txt/8ca63873b694449c32dd771aa04271b45121ee52d5e7a646ef1d30226d3f6110.txt @@ -0,0 +1,74 @@ +Left-hand side of page + +• + +• + +“Current or Relevant Listings” sets as TXR-B, TXR. + +“Data Source” sets as TXR-I, TXR. + +Subject Listing Information table + +• Set 8 equal column table x 45 picas, headings: (TCH) “Listing Status,” “Listing Type,” “Listing +ID,” “Start Date,” “End Date,” “DOM,” “Starting List Price,” “Current or Final Price” (~20 +characters max per line, per cell). + +• Content sets as TB. + +• + +Last row of table sets as 2 column TB_sub-H1-R “Total DOM” aligning left and right with “End +Date” and “DOM” columns, respectively, in white type. + +SUBJECT LISTING INFORMATION TABLE + +• + +“Analysis of Subject Property Listing History” set as TXC-B (bold lead in to Myriad Pro Regular +text) X 45 picas + +Subject Listing Information Exhibits (H1) + +Subsection does not display if there are no exhibits. + +“Sales Contract” sets as TAB. + +Left-hand side of page + +• + +“Yes” “No” set as Y/N. + +Appendix E: Report Style Guide + +Page 57 of 90 + +Version 1.4 + +• + +• + +“Is there a sales contract?” “Was sales contract information analyzed?” “Does this appear to +be an arm’s length transaction?” set as CK1. + +“Non-Arm’s Length Commentary” set as TXC-B1 (bold lead in to Myriad Pro Regular text) X 22 +picas. + +Right-hand side of page + +• + +• + +“Contract Price,” “Contract Date,” “Transfer Terms,” “Personal Property Conveyed” set as +TXR-B, TXR. + +“Personal property is not included in the appraiser’s final opinion of value” sets all italic TXC- +I1. + +Financial Sales Concessions (H1) + +“Financial assistance paid by or on behalf of the seller as an inducement to purchase the subject property” sets +H1-TX, Italic flush right in gray bar. diff --git a/chunks/txt/8cac871763c7ca8997704d8f851a8e56e85ecef558034bbc4516126e9518499b.txt b/chunks/txt/8cac871763c7ca8997704d8f851a8e56e85ecef558034bbc4516126e9518499b.txt new file mode 100644 index 0000000000000000000000000000000000000000..a01b5d6e9c467e93ee1443db52f036ebf3be3455 --- /dev/null +++ b/chunks/txt/8cac871763c7ca8997704d8f851a8e56e85ecef558034bbc4516126e9518499b.txt @@ -0,0 +1,20 @@ +The GSEs are collecting UCD data because it: + +- Helps enhance credit risk management with more data and better-quality data. +- Provides important information to help increase our ability to detect fraud and misrepresentation at loan delivery. +- Lends additional transparency into the mortgage loan transaction file to help assess whether the loan, as closed, meets the GSE’s eligibility requirements. +**2. Is the UCD Specification the same for both GSEs?** + +Yes. Although the GSEs have implemented separate UCD collection solutions, both GSEs adhere to the guiding principles established under UMDP and are using the identical UCD Specification containing the same data points, enumerations, and conditionalities. + +**3. What data do the GSEs collect using the UCD?** + +The data collected by the UCD includes, in MISMO v3.3.0299 schema order: + +- Data points supporting the CD form field data required by both GSEs. (Note that while UCD v1.5 specification (UCD v1.5) contains all data points supporting the entire CD, UCD v2.0 specification (UCD v2.0) contains only data actively used and required by the GSEs.) +- Additional closing transaction supporting data points required to meet GSE business needs, for example: Qualified Mortgage (QM) data. +- Data points needed to properly create the UCD XML file. +- Data points enabling a PDF version of the CD to be embedded in the UCD XML file. +**4. How do the GSEs collect the UCD?** + +The GSEs have separate collection solution applications for UCD XML file submissions by Sellers. Support and training resources related to each unique collection solution are available on each GSE’s respective UCD webpages on FannieMae.com and FreddieMac.com. Resources to assist with the transition to UCD v2.0 are also available. diff --git a/chunks/txt/8cb390e7c91d859cccda567ed08866a93a6311f05504d3023c0003aafacc20c8.txt b/chunks/txt/8cb390e7c91d859cccda567ed08866a93a6311f05504d3023c0003aafacc20c8.txt new file mode 100644 index 0000000000000000000000000000000000000000..935c4934a08476203817f4ef854419e19b0ad79f --- /dev/null +++ b/chunks/txt/8cb390e7c91d859cccda567ed08866a93a6311f05504d3023c0003aafacc20c8.txt @@ -0,0 +1 @@ +© 2024 Fannie Mae 5.29.24 1 of 1 diff --git a/chunks/txt/8cb49565bc7cd4b6cdad9eb8932cd05c38c4ab2db284990a17637cf2d2effaa0.txt b/chunks/txt/8cb49565bc7cd4b6cdad9eb8932cd05c38c4ab2db284990a17637cf2d2effaa0.txt new file mode 100644 index 0000000000000000000000000000000000000000..036a97ad6a039e723582844dba65a14b68a9fa42 --- /dev/null +++ b/chunks/txt/8cb49565bc7cd4b6cdad9eb8932cd05c38c4ab2db284990a17637cf2d2effaa0.txt @@ -0,0 +1,21 @@ +SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the +reporting requirements of this appraisal report form, including the following definition of market value, statement of +assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visual +inspection of the interior and exterior areas of the subject unit, (2) inspect and analyze the condominium project, (3) inspect +the neighborhood, (4) inspect each of the comparable sales from at least the street, (5) research, verify, and analyze data +from reliable public and/or private sources, and (6) report his or her analysis, opinions, and conclusions in this appraisal +report. + +INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the +subject of this appraisal for a mortgage finance transaction. + +INTENDED USER: The intended user of this appraisal report is the lender/client. + +MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all +conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not +affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of +title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well +informed or well advised, and each acting in what he or she considers his or her own best interest; (3) a reasonable time is +allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms of financial +arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by +special or creative financing or sales concessions* granted by anyone associated with the sale. diff --git a/chunks/txt/8cc13b7fde4c79d213f3adb063cc3b94cb07aaac74ef8f9751ec529dbeb5b9f3.txt b/chunks/txt/8cc13b7fde4c79d213f3adb063cc3b94cb07aaac74ef8f9751ec529dbeb5b9f3.txt new file mode 100644 index 0000000000000000000000000000000000000000..e37886e1ad29d4387789ac1da86f58b6049d5baf --- /dev/null +++ b/chunks/txt/8cc13b7fde4c79d213f3adb063cc3b94cb07aaac74ef8f9751ec529dbeb5b9f3.txt @@ -0,0 +1,9 @@ +4.0(cid:22)(cid:21)(cid:17)(cid:20) (cid:95) (cid:23)(cid:17)(cid:19)(cid:22)(cid:21)(cid:17)(cid:21)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3) + +4.0(cid:22)(cid:23)(cid:17)(cid:20) (cid:95) (cid:23)(cid:17)(cid:19)(cid:22)(cid:23)(cid:17)(cid:21)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3) + +4.0(cid:22)(cid:28)(cid:17)(cid:20) (cid:95) (cid:23)(cid:17)(cid:19)(cid:22)(cid:28)(cid:17)(cid:21)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3) + +4.0(cid:24)(cid:28)(cid:17)(cid:20) (cid:95) (cid:23)(cid:17)(cid:19)(cid:24)(cid:28)(cid:17)(cid:21)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3) + +4.0(cid:25)(cid:22)(cid:17)(cid:20) (cid:95) (cid:23)(cid:17)(cid:19)(cid:25)(cid:22)(cid:17)(cid:21)(cid:3)(cid:3)(cid:3)(cid:3)(cid:3) diff --git a/chunks/txt/8cc958e316c6dba3d91593219a858d72f0b0c0e9fbbd4ecdd774e598c574ee24.txt b/chunks/txt/8cc958e316c6dba3d91593219a858d72f0b0c0e9fbbd4ecdd774e598c574ee24.txt new file mode 100644 index 0000000000000000000000000000000000000000..963e936505bfca0cac45fca8c9cc31717b1bfbf2 --- /dev/null +++ b/chunks/txt/8cc958e316c6dba3d91593219a858d72f0b0c0e9fbbd4ecdd774e598c574ee24.txt @@ -0,0 +1,76 @@ +Uniform Residential Appraisal Report + +HF.001 + +Page [Page] of [Pages] + +Revision History + +Revision Date +27.000 + +Reconsideration of Value + +Type +Date + +27.003 + +27.004 + +URAR Section + +27.001 + +Description +27.002 + +Result + +27.005 + +Reconsideration of Value Commentary + +27.006 + +Appraisal Version # + +HF.002 + +Fannie Mae | Freddie Mac +September 2024 + +HF.003 +HF.004 + +Appraiser Reference ID +Agency Case File ID +Client Reference ID +AMC Reference ID + +HF.005 +HF.006 +HF.007 +HF.008 + +Uniform Residential Appraisal Report + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20) + +Page [Page] of [Pages] + +Supplemental Information + +Supplemental Information Exhibits + +(cid:21)(cid:27)(cid:17)(cid:19)(cid:19)(cid:19)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:21)(cid:27)(cid:17)(cid:19)(cid:19)(cid:19)(cid:17)(cid:21) + +Appraisal Version # + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21) + +Fannie Mae | Freddie Mac +(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:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22) +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23) diff --git a/chunks/txt/8cd3bc119e53a7f5b211f31e6dadf54f07b547ed9c405d25c9d999e75394e21c.txt b/chunks/txt/8cd3bc119e53a7f5b211f31e6dadf54f07b547ed9c405d25c9d999e75394e21c.txt new file mode 100644 index 0000000000000000000000000000000000000000..a4c8092a5609440f66e4312513ab5d679b9e1ca0 --- /dev/null +++ b/chunks/txt/8cd3bc119e53a7f5b211f31e6dadf54f07b547ed9c405d25c9d999e75394e21c.txt @@ -0,0 +1,88 @@ +DU will no longer consider Non Parent +Relative funds source type in the loan +application submission file. + +Conditionality +Conditionality Statements +Implementation Notes + +Conditionality Statement +Implementation Notes + +If a borrower is Self-Employed +with ownership interest less than 25%, DU +will use gross monthly income types with +relationships, and will no longer use +Monthly Income (Loss). + +Additional DU Spec Updates +The DU Spec was updated to further align with DU in the Fannie Mae Integration and Production environments. These changes +have been implemented and are available for testing and use in the DU Integration and Production environments. + +How will this affect my integrated system? +Integrated system(s), business processes and/or documentation should be updated to support the changes provided in the DU +Spec and listed below. + +© 2021 Fannie Mae 08.20.21 + +2 of 6 + +Unique ID + +MISMO v3.4 Data Point Name + +DU Supported +Enumerations + +Update(s) + +Conditionality Statement +Legacy Mapping Reference Removed + +Conditionality Statement(s) + +4.0313 + +IncomeTypeOtherDescription + +4.0130 +5.0045 +6.0222 +6.0053 +6.0104 +5.0239 +2.0228 +16.0041 +6.0040 +6.0041 +6.0042 +6.0223 +6.0050 +6.0045 +3.0098 +8.0056 +8.0067 +4.0294 +1.0019 +4.0289 + +EmploymentStatusType +AssetAccountIdentifier +LiabilityTypeOtherDescription +LiabilityAccountIdentifier +ExpenseTypeOtherDescription +OwnedPropertyRentalIncomeNetAmount +PropertyEstimatedValueAmount +ConstructionMethodTypeOtherDescription +PartyRoleType +FullName +FullName +LienPriorityType +NoteAmount +HELOCIndicator +LoanMaturityPeriodType +CounselingType +CounselingType +EmploymentClassificationType +DependentAgeYearsCount +EmploymentIncomeIndicator diff --git a/chunks/txt/8ce4c956afb7be7882467ab8ecf1d87e23e9a13f81df1117fba7768d01ba05cf.txt b/chunks/txt/8ce4c956afb7be7882467ab8ecf1d87e23e9a13f81df1117fba7768d01ba05cf.txt new file mode 100644 index 0000000000000000000000000000000000000000..e8314ee1fc03d6e50db80156aaeef275e18e6682 --- /dev/null +++ b/chunks/txt/8ce4c956afb7be7882467ab8ecf1d87e23e9a13f81df1117fba7768d01ba05cf.txt @@ -0,0 +1,58 @@ +29.002 + +Additional Scope of Work + +Additional Scope of Work cannot be contrary to the original Scope of Work. +29.003 + +Intended Use + +29.004 + +The intended use of the opinions and conclusions contained in this appraisal report is for the intended user to evaluate the property that is the +subject of this appraisal for a mortgage finance transaction or related activities. + +29.005 + +The intended use of the appraisal is solely to assist FHA in assessing the risk of the Property securing the FHA-insured Mortgage +(24 CFR § 200.145(b)). + +29.006 + +Additional Intended Use + +Additional Intended Use cannot be contrary to the original Intended Use. +29.007 + +Intended User + +29.008 + +The intended user of this report is the lender/client. + +29.009 + +FHA and the Mortgagee are the intended users of this report. + +The USDA and any other identified lender/client are intended users of this report. + +The VA is also an intended user of this report. + +29.010 + +Additional Intended Users + +Additional Intended Users cannot be contrary to the original Intended User. +29.011 + +Definition of Market Value + +29.012 + +The most probable price that a property should bring in a competitive and open market under all conditions requisite to a fair sale with the +buyer and seller each acting prudently and knowledgeably, and assuming the price is not affected by undue stimulus. Implicit in this definition +is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: (1) buyer and seller +are typically motivated; (2) both parties are well informed or well advised, and each acting in what he or she considers his or her own best +interest; (3) a reasonable time is allowed for exposure in the open market; (4) payment is made in terms of cash in U.S. dollars or in terms of +financial arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by special +or creative financing or sales concessions* granted by anyone associated with the sale. diff --git a/chunks/txt/8ce579aeaa8593eea883c4c231e32c616a723e6434d9a5f8bbbf6a5edce3385f.txt b/chunks/txt/8ce579aeaa8593eea883c4c231e32c616a723e6434d9a5f8bbbf6a5edce3385f.txt new file mode 100644 index 0000000000000000000000000000000000000000..eadfda3d5addaf80122ae6c0038318618b79e3d7 --- /dev/null +++ b/chunks/txt/8ce579aeaa8593eea883c4c231e32c616a723e6434d9a5f8bbbf6a5edce3385f.txt @@ -0,0 +1,65 @@ +SMARTDoc® + +Not an acronym. An electronic document created to conform to a specification standardized by MISMO. A +SMARTDoc® can lock together data and presentation in such a way that it can be system-validated to +guarantee the integrity of the document. + +SOFR + +TILA + +UCD + +UCDP + +Secured Overnight Financing Rate (a broad measure of the cost of borrowing cash overnight collateralized by +Treasury securities used as the index for adjustable rate mortgages) + +Truth in Lending Act (Reg Z) + +Uniform Closing Dataset (dataset developed and maintained by the GSEs as an initiative under UMDP) + +Uniform Collateral Data Portal (a joint GSE appraisal and UAD collection point, managed by the GSE Approval +Committee (GAC) under UMDP) + +UMDP + +Uniform Mortgage Data Program (established by FHFA directive dated February 26, 2010) + +USDA + +United States Department of Agriculture (USDA Rural Development is a government housing agency) + +VA + +United States Department of Veterans Affairs (a government housing agency) + +Xlink + +XML Linking Language – W3C. An XML markup language that provides methods for creating internal and +external links within ML documents, and associating metadata with those links. This function has been +removed from UCD v2.0. + +XML File + +UCD v2.0 XML File + +XPath + +XML Path Language – W3C. A syntax for defining parts of an XML document. XPath uses path expressions to +navigate XML documents. + +UCD v2.0 Implementation Guide + +- 150 - + +Version 1.0 + +Uniform Closing Dataset + +Appendix B. Potential Sign Conflicts – XML File Requirements + +APPENDIX B. POTENTIAL SIGN CONFLICTS – XML FILE REQUIREMENTS + +The presentation of the same amounts in different tables on the Closing Disclosure can make it difficult to determine what +sign the value should take in the XML file. Provides guidance on what signs should be provided in the XML file. diff --git a/chunks/txt/8cf70451d322079beaeb27ccae041962932720ebe9c28a1048b14e57657b4c49.txt b/chunks/txt/8cf70451d322079beaeb27ccae041962932720ebe9c28a1048b14e57657b4c49.txt new file mode 100644 index 0000000000000000000000000000000000000000..7a37592e96dac503b5c4d6221c586b88d1551d1f --- /dev/null +++ b/chunks/txt/8cf70451d322079beaeb27ccae041962932720ebe9c28a1048b14e57657b4c49.txt @@ -0,0 +1,68 @@ +29.050 + +29. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this +assignment. + +Appraisal Version # + +HF.002 + +Fannie Mae | Freddie Mac +(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) + +HF.003 +HF.004 + +Appraiser Reference ID +Agency Case File ID +Client Reference ID +AMC Reference ID + +HF.005 +HF.006 +HF.007 +HF.008 + +Uniform Residential Appraisal Report + +HF.001 + +Page [Page] of [Pages] + +29. I have performed services regarding the subject property within the three years preceding the agreement to perform this assignment. + +29.051 + +Description of Prior Services: + +29.052 + +Additional Appraiser Certifications + +Additional Appraiser Certifications cannot be contrary to the original Appraiser Certifications. +1. + +29.053 + +29.054 + +Supervisory Appraiser Certifications + +29.055 + +The Supervisory Appraiser certifies and agrees that: + +29.056 + +1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective +owners or occupants of the subject property, or other parties involved in this transaction. + +29.057 + +2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this +report, or the demographics of the area where the property is located. + +29.058 + +3. I am aware of and have complied with all applicable laws and regulations including antidiscrimination laws, rules, and requirements that +apply to the appraiser and to the assignment. diff --git a/chunks/txt/8d11706af2d1fe94ccf06c98ab753a17166698f9361e153eeeeb07ab24069613.txt b/chunks/txt/8d11706af2d1fe94ccf06c98ab753a17166698f9361e153eeeeb07ab24069613.txt new file mode 100644 index 0000000000000000000000000000000000000000..46aa5287764d9584772ff3a677295256fc16b00b --- /dev/null +++ b/chunks/txt/8d11706af2d1fe94ccf06c98ab753a17166698f9361e153eeeeb07ab24069613.txt @@ -0,0 +1,35 @@ +Either all of fields 1-158, 1-159, 1-160, 1- +161, 1-162, 1-163 (Development Stage Type += 'Complete') or all of fields 1-164, 1-165, 1- +166, 1-167, 1-168, 1-169 (Development +Stage Type = 'Incomplete') should be +populated. One and only one of these two +sets of fields should be populated, and the +other set of fields should be left blank. + +Either all of fields 1-158, 1-159, 1-160, 1- +161, 1-162, 1-163 (Development Stage Type += 'Complete') or all of fields 1-164, 1-165, 1- +166, 1-167, 1-168, 1-169 (Development +Stage Type = 'Incomplete') should be +populated. One and only one of these two +sets of fields should be populated, and the +other set of fields should be left blank. + +Either all of fields 1-158, 1-159, 1-160, 1- +161, 1-162, 1-163 (Development Stage Type += 'Complete') or all of fields 1-164, 1-165, 1- +166, 1-167, 1-168, 1-169 (Development +Stage Type = 'Incomplete') should be +populated. One and only one of these two +sets of fields should be populated, and the +other set of fields should be left blank. + +Either all of fields 1-158, 1-159, 1-160, 1- +161, 1-162, 1-163 (Development Stage Type += 'Complete') or all of fields 1-164, 1-165, 1- +166, 1-167, 1-168, 1-169 (Development +Stage Type = 'Incomplete') should be +populated. One and only one of these two +sets of fields should be populated, and the +other set of fields should be left blank. diff --git a/chunks/txt/8d15cd1a439f5af43f7e8145ee4ca40dc6bf4d20352fba420545731accfa816c.txt b/chunks/txt/8d15cd1a439f5af43f7e8145ee4ca40dc6bf4d20352fba420545731accfa816c.txt new file mode 100644 index 0000000000000000000000000000000000000000..bdbac38d0ef5711e5622aa423b41f4dc21f8f979 --- /dev/null +++ b/chunks/txt/8d15cd1a439f5af43f7e8145ee4ca40dc6bf4d20352fba420545731accfa816c.txt @@ -0,0 +1,8 @@ +Standard ARM Plan Matrix + +Contents + +Matrix Abbreviations ............................................................................................................................................................................................................................. 2 +Column Heading Descriptions .............................................................................................................................................................................................................. 3 +Standard ARM Plan Matrix ................................................................................................................................................................................................................... 5 +Product Names for Whole Loan ARM Plans in Pricing Execution – Whole Loan® .............................................................................................................................. 6 diff --git a/chunks/txt/8d17e18ca49d289db9d4ad97b1c28dd71825be31605701d5bfa98b3742a760f3.txt b/chunks/txt/8d17e18ca49d289db9d4ad97b1c28dd71825be31605701d5bfa98b3742a760f3.txt new file mode 100644 index 0000000000000000000000000000000000000000..f646f3c34eb24b5b496e6399aae2fed87e6a486c --- /dev/null +++ b/chunks/txt/8d17e18ca49d289db9d4ad97b1c28dd71825be31605701d5bfa98b3742a760f3.txt @@ -0,0 +1,148 @@ +Driveway | 6 + +Superior + +Superior + +Similar + +Carport | 2 + +Similar + +Similar + +Inferior + +Summary + +Rent Per Finished Area + +Actual Rent + +Overall Comparison +to Subject + +Adjusted Rent + +Opinion of +Market Rent + +$1.01 + +$875 + +$875 + +$1.07 + +$925 + +Similar + +$0.98 + +$800 + +$0.95 + +$1,000 + +Similar + +Superior + +$0 + +$0 + +$1.07 + +$925 + +$1.44 + +$1,300 + +$0.95 + +$1,200 + +Similar + +Superior + +Superior + +$900 + +$800 + +$900 + +$925 + +$900 + +$850 + +$925 + +Comparable Weight + +Most + +Less + +Less + +Most + +Less + +Less + +Rental Analysis Commentary + +This data and other rent comparable information gathered from discussions with landlords, owners, and property managers support +estimated rents for the subject. Estimated rents have been based on the above rent survey as well as a rental survey of the general area. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario + +Uniform Residential Appraisal Report + +Page 21 of 29 +Page 21 of 29 + +Rental Information (continued) + +Rental Information Exhibits + +Map of Rental Comparables + +This is where the Rental Comparable Map photo would display. + +Comparable #1 + +Comparable #2 + +This is where the Rental Comparable 1 photo would display. + +This is where the Rental Comparable 2 photo would display. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario + +Uniform Residential Appraisal Report + +Page 22 of 29 +Page 22 of 29 + +Rental Information (continued) + +Comparable #3 + +Comparable #4 + +This is where the Rental Comparable 3 photo would display. + +This is where the Rental Comparable 4 photo would display. diff --git a/chunks/txt/8d1c0651b5f0b6c7be16784345f7d41c2648732a57bf5155eadfe06899c72a55.txt b/chunks/txt/8d1c0651b5f0b6c7be16784345f7d41c2648732a57bf5155eadfe06899c72a55.txt new file mode 100644 index 0000000000000000000000000000000000000000..94530c0665a02e26f84474062f8bbbbcad072b8c --- /dev/null +++ b/chunks/txt/8d1c0651b5f0b6c7be16784345f7d41c2648732a57bf5155eadfe06899c72a55.txt @@ -0,0 +1,133 @@ +b. Controls the Choice of the ROLE Container + +The V3.0 Reference Model includes containers for the key PARTIES that participate +in loan transactions as children of the ROLE container. Not all values for +PartyRoleType have a corresponding ROLE child container because no detailed +data points for that role have been identified. The current ROLE containers are +shown below, with those included in ULDDS Appendix A shown in bold: + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 49 of 76 + +Section IV. Using the MISMO V3.0 Reference Model + +Table IV-8. PartyRoleType Values and ROLE Containers in the V3.0 Reference Model. + +PartyRoleType + +ROLE Container + +PartyRoleType + +ROLE Container + +Appraiser + +APPRAISER + +Notary + +NOTARY + +AppraiserSupervisor + +APPRAISER_SUPERVISOR + +NotePayTo + +AssignFrom + +AssignTo + +Attorney + +AuthorizedRepresentative + +BeneficialInterest + +Borrower + +Builder + +ClosingAgent + +CorrespondentLender + +CoSigner + +CustodianNotePayTo + +DeliverRescisionTo + +DocumentCustodian + +eNoteController + +FloodCertificateProvider + +NotePayToRecipient + +Other + +Payee + +PAYEE + +PowerOfAttorney + +POWER_OF_ATTORNEY + +BORROWER + +BUILDER + +CLOSING_AGENT + +PreparedBy + +PropertyOwner + +PropertySeller + +RealEstateAgent + +ReceivingParty + +PROPERTY_OWNER + +PROPERTY_SELLER + +REAL_ESTATE_AGENT + +RegulatoryAgency + +REGULATORY_AGENCY + +RequestingParty + +RespondingParty + +RespondToParty + +ReviewAppraiser + +ServiceProvider + +REQUESTING_PARTY + +RESPONDING_PARTY + +REVIEW_APPRAISER + +FulfillmentParty + +FULFILLMENT_PARTY + +Servicer + +SERVICER + +Grantee diff --git a/chunks/txt/8d3af3f38047dc83b7537811b86131620648af00c8846ca35e22ca430223d0da.txt b/chunks/txt/8d3af3f38047dc83b7537811b86131620648af00c8846ca35e22ca430223d0da.txt new file mode 100644 index 0000000000000000000000000000000000000000..74f624a8310e666da19f38ef7a6043cc883c3eeb --- /dev/null +++ b/chunks/txt/8d3af3f38047dc83b7537811b86131620648af00c8846ca35e22ca430223d0da.txt @@ -0,0 +1,273 @@ +58 + ++(-) $ Adjustment +60 +62 + +64 + +66 + +68 + +70 + +72 +74 + +76 + +78 + +80 + +82 +84 +86 + +87 + +91 +93 +95 +97 +99 +101 +103 +105 + +DESCRIPTION +59 +e-26; e-27; e-28 + +e-29; e-30; e-31 + +e-14; e-15; e-16 + +67 + +69 + +71 +73 + +75 + +e-5; e-6; e-7 + +79 + +81 + +e-17; 83 + +85 + +Total Bdrms. Baths + +88 + +89 + +90 + +92 sq. ft. + +e-18; e-19; e-20 +e-21; e-22; e-23; e-24 + +98 + +100 + +102 + +104 + ++(-) $ Adjustment +60 +62 + +64 + +66 + +68 + +70 + +72 +74 + +76 + +78 + +80 + +82 +84 +86 + +87 + +91 +93 +95 +97 +99 +101 +103 +105 + +DESCRIPTION +59 +e-26; e-27; e-28 + +e-29; e-30; e-31 + +e-14; e-15; e-16 + +67 + +69 + +71 +73 + +75 + +e-5; e-6; e-7 + +79 + +81 + +e-17; 83 + +85 + +Total Bdrms. Baths + +88 + +89 + +90 + +92 sq. ft. + +e-18; e-19; e-20 +e-21; e-22; e-23; e-24 + +98 + +100 + +102 + +104 + ++(-) $ Adjustment +60 +62 + +64 + +66 + +68 + +70 + +72 +74 + +76 + +78 + +80 + +82 + +84 + +86 + +87 + +91 + +93 + +95 +97 + +99 + +101 + +103 + +105 + +107 +109 +111 +113 +$ 116 + +$ 117 + +106 +108 +110 +112 + + - +115 +114 + +Net Adj. 116a % +Gross Adj. 116b % + +107 +109 +111 +113 +$ 116 + +$ 117 + +106 +108 +110 +112 + + - +115 + +114 + +107 +109 +111 +113 +$ 116 + +Net Adj. 116a % +Gross Adj. 116b % + +$ 117 + +Indicated Value by Sales Comparison Approach $ 119 + +INCOME APPROACH TO VALUE (not required by Fannie Mae) + +Estimated Monthly Market Rent $ 120 +Summary of Income Approach (including support for market rent and GRM). 123 + +X Gross Rent Multiplier 121 + += $ 122 + +Indicated Value by Income Approach diff --git a/chunks/txt/8d4878263defce3118c77862d17075a23ed63a692748658649d96d45101d9aa3.txt b/chunks/txt/8d4878263defce3118c77862d17075a23ed63a692748658649d96d45101d9aa3.txt new file mode 100644 index 0000000000000000000000000000000000000000..e15ac15b3f199dca51afe4c80af3eabe45e2e489 --- /dev/null +++ b/chunks/txt/8d4878263defce3118c77862d17075a23ed63a692748658649d96d45101d9aa3.txt @@ -0,0 +1,88 @@ +legal limits to +Michael Jones… + +…/EXTENSION/OTHER +/gse:CLOSING_ADJUS +TMENT_ITEM_PAID_T +O/gse:LEGAL_ENTITY/ +gse:LEGAL_ENTITY_D +ETAIL + +gse:FullName + +Michael Jones + +ROF as “to Michael +Jones” + +25. 2 | 25. 2. 1 K. TOT AL PAYOFFS AND PAYME NTS + +The data points in the table below are used to provide the Payoffs and Payments table total, calculated as the +sum of all disclosed line item amounts. + +Table 159. Total Payoffs and Payments + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute MISMO v3.3.0 Value + +Notes + +25.2 K. TOTAL PAYOFFS + +AND PAYMENTS + +.../INTEGRATED_DISC +LOSURE_SECTION_S +UMMARY_DETAIL + +IntegratedDisclosure +SectionType + +PayoffsAndPayments ROF as “K. TOTAL + +PAYOFFS AND +PAYMENTS” + +25.2.1 K. TOTAL PAYOFFS +AND PAYMENTS ($) + +IntegratedDisclosure +SectionTotalAmount + +125857.00 + +ROF as +“$125,857.00” + +FOR MORE I NFORMATI ON + +25.0: §1026.38(d)(2), (e), p. 80351; 38(t)(5)(vii)-B pp. 80129-30, 80056; Sample Form: H-25(F), p. 80194. + +25.1: §1026.38(t)(5) pp. 80129-30, 80056; §1026.37(h)(2)(iii)-1. + +25.2: §1026.38(t)(5) pp. 80129-30. + +Appendix E: UCD Implementation Guide + +Page 242 of 254 + +Version 1.4 + +Uniform Closing Dataset + +V. Consolidated Mapping Guidance + +V. CONSOLIDATED MAPPING GUIDANCE + +Most of the data points needed to populate the Closing Disclosure follow standard MISMO structure and +mapping conventions. These mapping conventions apply regardless of the presence, number, or content of data +populating the form. This chapter provides an alphabetical overview of XML structure items that apply to a +broad range of Closing Disclosure sections or are key concepts that must be understood to generate properly +formed XML. diff --git a/chunks/txt/8d5924710e3e6820f68b9701d0977fd4547ba3c25aeea303c6ffcac2ed6bbcba.txt b/chunks/txt/8d5924710e3e6820f68b9701d0977fd4547ba3c25aeea303c6ffcac2ed6bbcba.txt new file mode 100644 index 0000000000000000000000000000000000000000..d4f89c291cd5137f731e18f0b347c2c01b2ec0fb --- /dev/null +++ b/chunks/txt/8d5924710e3e6820f68b9701d0977fd4547ba3c25aeea303c6ffcac2ed6bbcba.txt @@ -0,0 +1,71 @@ +In addition to the same child containers that are required “AtClosing” for non- +modified loans, information about the modification itself will be included in a +child container called “MODIFICATION.” + +A minimal set of data will be delivered in the LOAN container with a +LoanStateType of “AtClosing” for modified loans—data necessary to identify the +original loan product and note terms. This data is a subset of the full complement +of data submitted for non-modified loans. + +The Current LOAN container also must be submitted with information about the +delivery transaction, subsequent loan servicing, and data that can be updated +following closing. Data in the Current LOAN container should be valid as of the +date of delivery to the GSE. + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 38 of 76 + +Section IV. Using the MISMO V3.0 Reference Model + +Figure IV-9. LOAN Containers Required for Modified Loans. + +Subject Loan / At +Modification + +Subject Loan / At +Closing + +Data about the modified +loan: + Underwriting Data + Product Derivation + Product Features + Note Terms + Modification Information + +Subset of data about the +original loan: + Product Derivation + Note Terms + +LoanStateDate = +LoanModificationEffective +Date + +LoanStateDate = +NoteDate + +c. Converted Loans + +Subject Loan / Current + +Data valid as of time it +was retrieved from +submitter’s system: + Current Balances, + +Rates, Option Status, +Payment Status + + MI and Credit + +Enhancements + Escrow Details + GSE Transaction + +Details + + Program Identifiers, IFIs diff --git a/chunks/txt/8d60587991780440dad27f87cb617b8e531b5974131b010ae6a2236b7270ad37.txt b/chunks/txt/8d60587991780440dad27f87cb617b8e531b5974131b010ae6a2236b7270ad37.txt new file mode 100644 index 0000000000000000000000000000000000000000..1ae12c9ed267eac793a0110c38e4bc6781561b2f --- /dev/null +++ b/chunks/txt/8d60587991780440dad27f87cb617b8e531b5974131b010ae6a2236b7270ad37.txt @@ -0,0 +1,6 @@ +--- +source_url: "https://developer.fanniemae.com/#/get-started/release-notes" +date_accessed: "2026-01-27T18:02:17.341Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-KK5S4VMW]* .grecaptcha-badge { display: none; } diff --git a/chunks/txt/8d64aa76cb5b35554fc3af37f84269904ac11a6bb929bbc132063c0fe23e1ac0.txt b/chunks/txt/8d64aa76cb5b35554fc3af37f84269904ac11a6bb929bbc132063c0fe23e1ac0.txt new file mode 100644 index 0000000000000000000000000000000000000000..3fe230f240675ef35ece8052be13c16cdfc69a57 --- /dev/null +++ b/chunks/txt/8d64aa76cb5b35554fc3af37f84269904ac11a6bb929bbc132063c0fe23e1ac0.txt @@ -0,0 +1,93 @@ +Assignment Information: Role - Significant Real Property Appraisal Assistance (Choose if applicable for the Contact) + +Allowable Answer + +Significant Real Property +Appraisal Assistance + +A person who does not meet all scope of work and certification requirements that provided significant assistance with the +development of the Restricted Appraisal Update Report, as prescribed by Uniform Standards of Professional Appraisal +Practice and Advisory Opinion. Selecting this answer does not allow this contact (person) to sign the report. + +Definition / Additional Guidance + +Contact Information: Significant Real Property Appraisal Assistance + +Report +Field ID + +Report Label + +When to Include + +04.041 Name + +Required for each +person providing +significant real +property appraisal +assistance + +Allowable +Answers / Format + +Free-form + +Definition / Additional Guidance + +The full name of the person providing significant real property appraisal +assistance. +Note: At a minimum, first and last name must be provided. + +Appendix F-2: Appraisal Update Report Reference Guide + +Page 20 of 28 + +Version 1.3 + +Uniform Appraisal Dataset + +04 Assignment Information + +Contact Information: Significant Real Property Appraisal Assistance + +Report +Field ID + +Report Label + +When to Include + +04.042 + +Level + +Required for each +person providing +significant real +property appraisal +assistance + +Allowable +Answers / Format + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Definition / Additional Guidance + +Credential Type +• + +None (includes noncredentialled appraiser trainees or jurisdictions that +don’t provide credentials to appraiser trainees) +Certified General +Certified Residential +Licensed Residential +Trainee Appraiser (appraiser trainees with an issued credential, also +referred to as Registered Trainee) +Other (Describe) diff --git a/chunks/txt/8d64f8398cfb457d0eebed359a3cea24b44a100a70f0b0d626ae5a58a954fbbe.txt b/chunks/txt/8d64f8398cfb457d0eebed359a3cea24b44a100a70f0b0d626ae5a58a954fbbe.txt new file mode 100644 index 0000000000000000000000000000000000000000..adada830344ffa3910d3aa9f8dcccba3a143740c --- /dev/null +++ b/chunks/txt/8d64f8398cfb457d0eebed359a3cea24b44a100a70f0b0d626ae5a58a954fbbe.txt @@ -0,0 +1,43 @@ +## Key Legislation + +Key legislation related to FHFA, the regulated entities and our predecessor agencies is detailed under **Key Legislation** on [Government](/government#KeyLegislation) page. + +## Code of Federal Regulations + +e-CFR is a regularly updated, unofficial editorial compilation of CFR material and Federal Register amendments produced by the National Archives and Records Administration's Office of the Federal Register and the Government Printing Office. + +**Title 12 - Banks and Banking** includes CFR materials for Federal Housing Finance Agency. + +Federal Housing Finance Agency - parts [1200-1299](https://www.ecfr.gov/current/title-12/chapter-XII) + +Additionally, CFR materials for our predecessor agencies can be found: + +- Office of Federal Housing Enterprise Oversight - parts [1700-1799](https://www.ecfr.gov/current/title-12/chapter-XVII) + +- ## Rulemaking Links + +[Open for Comment or Input](/regulation/federal-register?comments=open) + +[Rules & Notices](/regulation/federal-register) + +[Unified Agenda](/regulation/federal-register/fhfa-unified-agenda) + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) diff --git a/chunks/txt/8d66765274f48b25763e0b60efd1f0badc15316669cbe3c4b4fbc80b4decf7ed.txt b/chunks/txt/8d66765274f48b25763e0b60efd1f0badc15316669cbe3c4b4fbc80b4decf7ed.txt new file mode 100644 index 0000000000000000000000000000000000000000..be370e06cd022d46ad4afcc669d3877908ad9b52 --- /dev/null +++ b/chunks/txt/8d66765274f48b25763e0b60efd1f0badc15316669cbe3c4b4fbc80b4decf7ed.txt @@ -0,0 +1,41 @@ +▪ The Map of GRM Comparables may also be combined with other maps and displayed as one map in the Sales + +Comparison Approach section. + +Page 322 + +Photos of GRM Comparables + +Photos of the comparable properties are delivered in the instance of PROPERTY where @ValuationUseType (UID: 2000.0016, FID: Not on +report) = “GrossRentMultiplierComparable” and display in this subsection with the Comparable # - PropertyOrdinalNumber (UID: 1200.0028, +FID: 24.008) in bold. The thumbnails from the Gross Rent Multiplier Comparables subsection (FID: 24.009.1) are redisplayed, in addition to +any other comparable photos provided. + +Appendix B-1: URAR Implementation Guide v1.3 + +• + +Images of comparable properties must be delivered using ImageCategoryType (UID: 1400.0870, FID: Not on report) = +“PropertyPhoto”. + +• When a caption is provided in ImageCaptionCommentDescription (UID: 1400.0640, FID: 24.009.2), it displays above the image. +• When a comparable property has multiple images with the ImageCategoryType = “PropertyPhoto” only one displays as the thumbnail + +in the Gross Rent Multiplier Comparables subsection (FID: 24.009.1). + +Page 323 + +Additional Exhibits + +• Any additional images provided for the Income Approach section must be delivered using ImageCategoryType (UID: 1400.0638, FID: + +24.027.1) = “IncomeApproachExhibit”. + +• An image caption may be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 24.027.2), and displays above the + +image in bold. + +Income Approach – Arcrole Relationships + +Arcrole relationships, establishes "relationships" or linkages in the XML data file that may be visually obvious on the URAR Report. In the +XML data, specific instances of data points or containers must be connected to properly represent the information. diff --git a/chunks/txt/8d889dd621885fd53cfb0cc02db580ea8228b43fe0cde6b11b67af1cf452679a.txt b/chunks/txt/8d889dd621885fd53cfb0cc02db580ea8228b43fe0cde6b11b67af1cf452679a.txt new file mode 100644 index 0000000000000000000000000000000000000000..d77443d76b6c8056a0e60d1631eb4cdf08400312 --- /dev/null +++ b/chunks/txt/8d889dd621885fd53cfb0cc02db580ea8228b43fe0cde6b11b67af1cf452679a.txt @@ -0,0 +1,82 @@ +1 Section 304(j) of HMDA addresses Loan +Application Register (LAR) information and +describes, among other things, the manner in which +an applicant’s privacy interests are to be protected +in response to a request for disclosure from the +public, including removal of the applicant’s name +and identification number, the date of the +application, and the date of any determination by +the institution with respect to such application. In +addition, the disclosure of information must ensure +that depository institutions are protected from +liability under any Federal or State privacy laws. + +2 HERA also revised the Enterprises’ housing +goals for 2010 and subsequent years. FHFA will +issue a subsequent Order, applicable to the PUDB +for 2010, that revises the applicable data fields in +the PUDB matrices to reflect HERA’s changes to the +Enterprise housing goals. + +3 The release of the 2008 PUDB was delayed due +to the transfer of authority to release the data to the +public from HUD to FHFA and technical and +operational issues raised by the new HERA data +reporting requirements. + +VerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00043 Fmt 4703 Sfmt 4703 E:\FR\FM\15JYN1.SGM 15JYN1 + +I + +S +E +C +T +O +N +h +t +i + +w +D +O +R +P +1 +B +6 +L +C +W +H +K +S +D +n +o + +n +o +s +n +b +o +r +s + +i + +41182 + +Federal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices + +identifiers. For multifamily data, there +are two separate files: a Census Tract +File that identifies the census tract +location of the mortgaged properties; +and a National File that does not +identify the location of the mortgaged +properties but contains mortgage-level +data and unit class-level data on all +multifamily properties. diff --git a/chunks/txt/8d8e0869662cf46976ffc6da1c64322f6a675290600d7396b1cef30e82016083.txt b/chunks/txt/8d8e0869662cf46976ffc6da1c64322f6a675290600d7396b1cef30e82016083.txt new file mode 100644 index 0000000000000000000000000000000000000000..1f8cd170e40e2529ccb0e047ebe6f261c26c3177 --- /dev/null +++ b/chunks/txt/8d8e0869662cf46976ffc6da1c64322f6a675290600d7396b1cef30e82016083.txt @@ -0,0 +1,100 @@ +Reporting Format: +# of Bedrooms – Numeric to 2 digits, whole +numbers only + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073*/465* + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075*/466* + +* FIELD IS LOCATED IN +UNIT DESCRIPTION +SECTION + +Page 28 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. + +Square Feet of Gross Living Area Above +Grade +The appraiser must enter the total square +footage of the above grade living area. + +Reporting Format: +Square Feet of GLA – Numeric to 5 digits, +whole numbers only + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073*/465* + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075*/466* + +* FIELD IS LOCATED IN +UNIT DESCRIPTION +SECTION + +Page 29 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 1073*/465* + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 2055/2055 + +• 1075*/466* + +*FIELD IS LOCATED IN +UNIT DESCRIPTION +SECTION + +Describe the condition of the property +(including needed repairs, deterioration, +renovations, remodeling, etc.) diff --git a/chunks/txt/8d8f714ee154b581aa84c779e702e440dcac795de58c6686a27d6d11db4192c6.txt b/chunks/txt/8d8f714ee154b581aa84c779e702e440dcac795de58c6686a27d6d11db4192c6.txt new file mode 100644 index 0000000000000000000000000000000000000000..326e42fc329ede879472ed60d010adecd5f56f8c --- /dev/null +++ b/chunks/txt/8d8f714ee154b581aa84c779e702e440dcac795de58c6686a27d6d11db4192c6.txt @@ -0,0 +1,5 @@ +record_id: 1600123026000 | year: 2016 | weight: 20 | state_fips_2010: 25 | state_fips_2020: NA | county_fips_2010: 25017 | county_fips_2020: NA | tract_fips_2010: 25017360200 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 1605000 | sales_range_low: 905000 | updated_last_15_years: 2 | lot_size: 5 | quality: 4 | condition: 3 | bathrooms: 4 | bedrooms: 3 | gross_living_area: 8 | median_adjustment: -66550 | average_adjustment: -67475 | adjusted_price: 1095000 | number_comparables: 2 | same_tract_percent: 100 | calculated_proximity: 1.12 | reported_proximity: 1.15 | value_sale_comparison: 1105000 | value_cost: 1115000 | value_income: NA | appraised_value: 1105000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2 +record_id: 2100277002000 | year: 2021 | weight: 20 | state_fips_2010: 47 | state_fips_2020: NA | county_fips_2010: 47157 | county_fips_2020: NA | tract_fips_2010: 47157020820 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 305000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 375000 | sales_range_low: 305000 | updated_last_15_years: 2 | lot_size: 3 | quality: 3 | condition: 3 | bathrooms: 4 | bedrooms: 3 | gross_living_area: 8 | median_adjustment: 0 | average_adjustment: 3537 | adjusted_price: 325000 | number_comparables: 1 | same_tract_percent: 100 | calculated_proximity: 0.08 | reported_proximity: 0.08 | value_sale_comparison: 325000 | value_cost: 345000 | value_income: NA | appraised_value: 325000 | appraisal_to_contract: 107.3 | comparison_to_contract: 107.3 | dts_rural: 2 +record_id: 1300187770000 | year: 2013 | weight: 20 | state_fips_2010: 39 | state_fips_2020: NA | county_fips_2010: 39145 | county_fips_2020: NA | tract_fips_2010: 39145003700 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 3 | sales_range_high: 215000 | sales_range_low: 185000 | updated_last_15_years: 1 | lot_size: 2 | quality: 4 | condition: 4 | bathrooms: 2 | bedrooms: 3 | gross_living_area: 5 | median_adjustment: -6130 | average_adjustment: -6197 | adjusted_price: 195000 | number_comparables: 1 | same_tract_percent: 0 | calculated_proximity: 4.42 | reported_proximity: 4.42 | value_sale_comparison: 195000 | value_cost: 185000 | value_income: NA | appraised_value: 195000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 1 +record_id: 1300185773000 | year: 2013 | weight: 20 | state_fips_2010: 36 | state_fips_2020: NA | county_fips_2010: 36029 | county_fips_2020: NA | tract_fips_2010: 36029009104 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 115000 | built_up: 1 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 2 | marketing_time: 1 | sales_range_high: 135000 | sales_range_low: 115000 | updated_last_15_years: 1 | lot_size: 2 | quality: 3 | condition: 4 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 4 | median_adjustment: -800 | average_adjustment: -2067 | adjusted_price: 125000 | number_comparables: 1 | same_tract_percent: 33 | calculated_proximity: 0.73 | reported_proximity: 0.68 | value_sale_comparison: 125000 | value_cost: 125000 | value_income: NA | appraised_value: 125000 | appraisal_to_contract: 102.6 | comparison_to_contract: 102.6 | dts_rural: 2 +record_id: 1300045673000 | year: 2013 | weight: 20 | state_fips_2010: 26 | state_fips_2020: NA | county_fips_2010: 26103 | county_fips_2020: NA | tract_fips_2010: 26103002800 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 115000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 105000 | sales_range_low: 95000 | updated_last_15_years: 1 | lot_size: 2 | quality: 5 | condition: 4 | diff --git a/chunks/txt/8d95f2c3e21f52d2ee09d6773e57909d1a06ae96cfb6b4f93e615a9c6641540f.txt b/chunks/txt/8d95f2c3e21f52d2ee09d6773e57909d1a06ae96cfb6b4f93e615a9c6641540f.txt new file mode 100644 index 0000000000000000000000000000000000000000..f16b8869ba6b774d9fbab2887cd5f61ed1f2c31a --- /dev/null +++ b/chunks/txt/8d95f2c3e21f52d2ee09d6773e57909d1a06ae96cfb6b4f93e615a9c6641540f.txt @@ -0,0 +1,89 @@ +Report +Field ID + +9.003 + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Manufactured Home – ADUs - General Information + +Attached to +Permanent +Foundation + +Always required + +Yes | No + +Indicates whether the manufactured home is attached to a permanent +foundation. + +9.004 + +Towing Hitch, +Wheels, Axels +Removed + +Always required + +Yes | No + +Always required + +Yes | No + +9.007 + +Have there been +any +modifications, +attachments or +additions that +have altered or +rely on the +original +structure for +support? + +Note: If the foundation area is readily accessible, a photo must be provided, +which displays in Manufactured Home Exhibits. Provide a caption indicating +“Foundation” and any other descriptive information as appropriate. + +Indicates whether the towing hitch, wheels, and axles have been removed from +the frame of the manufactured home creating a more permanent structure. + +If No, reference published guidelines by the GSEs, government agencies, or +other identified secondary market participants for specific guidance. + +Structural Modifications Exist: Indicates whether modifications, attachments, or +additions have been made that altered or rely upon the original dwelling for +support. + +Select No when the additions, such as an attached garage, were originally +designed for the structure. + +Reference published guidelines by the GSEs, government agencies, or other +identified secondary market participants for specific guidance. + +9.008 Modification, + +Attachment, or +Addition + +Required if Structural +Modifications Exist is +Yes + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column diff --git a/chunks/txt/8d963ab5831228115c95f1db6a48a299a4e064790903c63e13f3aad2e24e48d8.txt b/chunks/txt/8d963ab5831228115c95f1db6a48a299a4e064790903c63e13f3aad2e24e48d8.txt new file mode 100644 index 0000000000000000000000000000000000000000..16215fee2ef7fdbd0717cd352dcf55381cd574b0 --- /dev/null +++ b/chunks/txt/8d963ab5831228115c95f1db6a48a299a4e064790903c63e13f3aad2e24e48d8.txt @@ -0,0 +1,11 @@ +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/12706","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/8daac48c43428d64eec12947ab8c46561cbe76e2fe82f6a1a0793a245961bd9b.txt b/chunks/txt/8daac48c43428d64eec12947ab8c46561cbe76e2fe82f6a1a0793a245961bd9b.txt new file mode 100644 index 0000000000000000000000000000000000000000..90f76e976eb7c04f022d5103e4c1640401633243 --- /dev/null +++ b/chunks/txt/8daac48c43428d64eec12947ab8c46561cbe76e2fe82f6a1a0793a245961bd9b.txt @@ -0,0 +1,43 @@ +[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 + +![Skyscaper in the background of suburban neighborhood](/sites/default/files/styles/desktop_hero/public/2025-10/pudb-hero.jpg.webp?itok=5QOtoJvZ) + +# Public Use Database + +## Breadcrumb + +- [Home](/) + - [FHFA Data](/data) + - Public Use Database + +## Datasets + +## Public Use Database – Fannie Mae and Freddie Mac (Enterprises) diff --git a/chunks/txt/8dc1b1895932c863072e29b63dced29837f286dbff603d79301e9cc3e24a9345.txt b/chunks/txt/8dc1b1895932c863072e29b63dced29837f286dbff603d79301e9cc3e24a9345.txt new file mode 100644 index 0000000000000000000000000000000000000000..d20bea0d2960118dbe8e022e3ed396e991650bba --- /dev/null +++ b/chunks/txt/8dc1b1895932c863072e29b63dced29837f286dbff603d79301e9cc3e24a9345.txt @@ -0,0 +1,33 @@ +[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 + +# Dodd-Frank Act Stress Tests (DFAST) + +Dodd-Frank Act stress testing is a forward-looking exercise that assesses the impact on capital levels that would result from immediate financial shocks and nine quarters of severely adverse economic conditions. FHFA requires Fannie Mae and Freddie Mac to submit the results of stress tests based on two scenarios: a Baseline scenario and a Severely Adverse scenario. FHFA aligned the stress test scenario variables and assumptions with those used by the Board of Governors of the Federal Reserve System in its annual Dodd-Frank Act stress tests. As of March 2020, according to the [Stress Testing of Regulated Entities Final Rule](/regulation/federal-register/final-rule/stress-testing-of-regulated-entities-0), the Federal Home Loan Banks are no longer required to conduct Dodd-Frank Act stress tests. As a prudential matter, FHFA expects the FHLBanks to continue to perform other stress tests (addressing market, credit, liquidity, and model risks) as outlined in FHFA's regulations and guidance. diff --git a/chunks/txt/8dc43ca6cfb2ac109f721f28e0c47c9b7b38ee151b5b4d1accdd994cfc6de974.txt b/chunks/txt/8dc43ca6cfb2ac109f721f28e0c47c9b7b38ee151b5b4d1accdd994cfc6de974.txt new file mode 100644 index 0000000000000000000000000000000000000000..9d5636cc50bc04df95c337bca78d45205adba042 --- /dev/null +++ b/chunks/txt/8dc43ca6cfb2ac109f721f28e0c47c9b7b38ee151b5b4d1accdd994cfc6de974.txt @@ -0,0 +1,54 @@ +21 Prior Sale and Transfer History + +21 Prior Sale and Transfer History + +The Prior Sale and Transfer History section always displays and includes information and analysis regarding the +recent transfer history of the subject property, and of the comparables appearing in the Sales Comparison +Approach section. This section provides space for analysis and exhibits. + +Subject Property for the Past Three Years / Comparables for Past Year + +The appraiser must report on all prior sales or transfers (not the current sale) for: +• Subject property for three years prior to the effective date of the appraisal, or longer if relevant. +• Each comparable property in the Sales Comparison Approach: + +o For the comparables, this section is for reporting sales that occurred within one year prior to the + +sale or listing reported in the Sales Comparison Approach. Do not repeat the same information that +is already reported in the Sales Comparison Approach. + +o Settled Sales: All sales or transfers 12 months prior to the comparable sale date as reported in the + +Sales Comparison Approach. + +o All other non-settled comparables (Active, Pending, or Off Market): All sales or transfers 12 months + +prior to the effective date of the appraisal. + +Subject Transfer History + +Example: Prior Sales for Subject Property + +Example: No Prior Sales for Subject Property + +Appendix F-1: URAR Reference Guide + +Page 207 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +21 Prior Sale and Transfer History + +Prior Sale and Transfer History: Subject Transfer History + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format diff --git a/chunks/txt/8dd10f93dae50220fed2eb55f51cc0689e77ab653bbf74d0b1308c1196b311c8.txt b/chunks/txt/8dd10f93dae50220fed2eb55f51cc0689e77ab653bbf74d0b1308c1196b311c8.txt new file mode 100644 index 0000000000000000000000000000000000000000..3ededec69407ae1f71faf1a3d623d79b3de9823f --- /dev/null +++ b/chunks/txt/8dd10f93dae50220fed2eb55f51cc0689e77ab653bbf74d0b1308c1196b311c8.txt @@ -0,0 +1,307 @@ +Full + +Pond + +Full + +Residential + +23454 Sue Rd + +Anytown + +54321 + +IL + +Driveway + +Asphalt + +4 + +false + +Attached + +Garage + +3 + +0 + +PropertyOwnershipTransferTerms + +0 + +FinancingMethod + +0 + +ContractDate + +0 + +SaleDate + +0 + +SiteSize + +-12250 + +LivingUnitStandardFinishedAreaAboveGrade + +0 + +LivingUnitStandardFinishedAreaBelowGrade + +0 + +LivingUnitUnfinishedAreaBelowGrade + +892750 + +East + +Most + +false + +true + +548 + +3 + +.12 + +-12250 + +true + +true + +ImpactResistantGlass + +ImpactResistantShingles + +true + +Gold + +LEED + +500 + +Monthly + +AssociationDues + +Dwelling + +2018 + +false + +Nylon Short Loop and Engineered Wood + +Flooring + +9 Ft. | Custom + +WallsAndCeiling + +300 + +1650 + +1350 + +false + +3 + +2 + +1 + +C1 + +Q3 + +2 + +Mixture of Tile and Granite + +Commercial Grade Appliances + +Kitchen + +CementBoard + +ExteriorWallsAndTrim + +Basement + +Foundation + +Composition + +Roof + +C1 + +Q3 + +1 + +360 + +NaturalGas + +ForcedWarmAir + +PropertyPhoto + +\\Images\Condo2_Comp3.jpg + +image/jpeg + +16 + +899000 + +SettledSale + +25.165176 + +-51.328128 + +Grammy Gold + +Clubhouse + +ClubMembership + +GatedCommunity + +IngroundPool + +Other + +Snow Removal + +TrashRemoval + +Condominium + +Grammy Gold + +Patio + +Porch + +OutdoorLiving + +2 + +IndoorFireplace + +WholeHome + +0 + +Detached + +1 + +true + +1 + +C1 + +Q3 + +false + +true + +FeeSimple + +true + +false + +false + +2018-03-16 + +2018-04-30 + +905000 + +Sale + +TypicallyMotivated + +None + +false + +Other + +Gated Community + +GolfCourse + +14300 + +Full + +GolfCourse + +Full + +Residential + +23412 Josephine St + +Anytown + +54321 + +IL + +Driveway + +Asphalt + +4 + +false + +Attached + +Garage + +3 + +0 + +SiteSize + +0 + +LivingUnitStandardFinishedAreaAboveGrade + +0 + +LivingUnitStandardFinishedAreaBelowGrade + +0 + +LivingUnitUnfinishedAreaBelowGrade + +-2000 diff --git a/chunks/txt/8dd6993c1e34f7fc9ba02b756e0fec20545fdf6298ca7d423d262d2d18778361.txt b/chunks/txt/8dd6993c1e34f7fc9ba02b756e0fec20545fdf6298ca7d423d262d2d18778361.txt new file mode 100644 index 0000000000000000000000000000000000000000..b02a42b04eb2851f27895ce50d8c615730050abc --- /dev/null +++ b/chunks/txt/8dd6993c1e34f7fc9ba02b756e0fec20545fdf6298ca7d423d262d2d18778361.txt @@ -0,0 +1,108 @@ +HDR-L + +H2 + +Supervisory Appraiser + +TXR-I + +TXR-I +TX-B +TXR-I +TXR-II +TXR-II +TXR-II + +Name +Designation +Company Name +Company Address + +Scope of Inspection by Supervisory Appraiser + +Subject Property Inspection + +Exterior +Interior +Inspection Date + +H2 + +Significant Real Property Appraisal Assistance + +TXR-I + +Name + +2 COLUMN PAGE FORMAT + +HDR-R + +Credentials + +TX-B +TXR-I + +Level +ID +State +Expires + +TXR-I +TXR-B + +TXR-B + +ASC Identifier +VA Appraiser ID +FHA Appraiser ID +Employment Type + +TX-B +TXR-I + +TXR-I + +Credentials + +Level +ID +State +Expires + +TXC-B + +Description + +Assignment Information and Scope of Work Commentary + +H1 +TXC + +FTR-L + +FTR-R + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Restricted Appraisal Update Report Page [Page] of [Pages]Update Version #Fannie Mae | Freddie Mac September 2024 + +HDR-L + +H1 + +Scope of Work + +2 COLUMN PAGE FORMAT + +HDR-R + +TXC + +The scope of work for this assignment is based on the applicable assignment elements, including: the client and any other intended users, the +intended use, the definition of market value as defined in the Uniform Residential Appraisal Report, the effective date, the subject property +and its relevant characteristics, and the applicable assignment conditions. The appraiser must, at a minimum: (1) obtain and review adequate +and reliable information for the subject property; (2) research, verify, and analyze adequate and reliable data for the subject market area +including data for each comparable property reported; and (3) report his or her analyses, opinions, and conclusions in this appraisal report. + +H2 + +Additional Scope of Work diff --git a/chunks/txt/8e008bf7f2eb5013ec0931cf19956536db330012263047c5ae21bee45373fee3.txt b/chunks/txt/8e008bf7f2eb5013ec0931cf19956536db330012263047c5ae21bee45373fee3.txt new file mode 100644 index 0000000000000000000000000000000000000000..5e51ed2ba138874acecf9b3109f3f5dc57ab57dd --- /dev/null +++ b/chunks/txt/8e008bf7f2eb5013ec0931cf19956536db330012263047c5ae21bee45373fee3.txt @@ -0,0 +1,103 @@ +23 + +SUBJECT + +Special Assessments $ + +Property Tax Total +Special Tax Amount + +The total of all of the property's +special real estate taxes for this tax +year (Property Tax Year Identifier) +across all tax jurisdictions and +authorities. This is the amount +assessed for the tax year, not the +amount paid. (see Property Tax +Special). + +/VALUATION_RESPONSE/PROPERTY/_TA +X/@_TotalSpecialTaxAmount + +10 + +Money + +UAD Instruction - Refer to Appendix D Subject Section +Whole dollars only. If there are no special assessments applicable to the +subject property, the appraiser should enter zero (0) in this data field. + +24 + +SUBJECT + +PUD + +Project Classification +Type + +Specifies a class of supplementary +information that is provided for the +project, based on the ownership, +development, and usage of common +property. + +/VALUATION_RESPONSE/PROPERTY/PRO +PERTY_EXTENSION/ +PROPERTY_EXTENSION_SECTION[@Exten +sionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/PROPERTY_EXTENSION_SECT +ION_DATA/PROPERTY_TYPE/@GSE_PUDI +ndicator + +SUBJECT + +HOA $ + +Project Per Unit Fee +Amount + +The amount charged to each unit by +the project management. + +/VALUATION_RESPONSE/PROPERTY/PRO +JECT/_PER_UNIT_FEE/@_Amount + +SUBJECT + +HOA $ +Per Year + +Project Per Unit Fee +Period Type + +Specifies the period about which the +fees per unit apply. + +SUBJECT + +HOA $ +Per Month + +Project Per Unit Fee +Period Type + +Specifies the period about which the +fees per unit apply. + +/VALUATION_RESPONSE/PROPERTY/PRO +JECT/_PER_UNIT_FEE[@_PeriodType='Annu +ally'] + +/VALUATION_RESPONSE/PROPERTY/PRO +JECT/_PER_UNIT_FEE[@_PeriodType='Mont +hly'] + +SUBJECT + +SUBJECT + +SUBJECT + +SUBJECT diff --git a/chunks/txt/8e07a98ecefd2ba6afb4a631fbf3b6f08d70cc827fc6c45c30305124c72adbfe.txt b/chunks/txt/8e07a98ecefd2ba6afb4a631fbf3b6f08d70cc827fc6c45c30305124c72adbfe.txt new file mode 100644 index 0000000000000000000000000000000000000000..24cae2dfe6a9256969d6d0f8ba4273e93086214e --- /dev/null +++ b/chunks/txt/8e07a98ecefd2ba6afb4a631fbf3b6f08d70cc827fc6c45c30305124c72adbfe.txt @@ -0,0 +1,5 @@ +Fannie Mae UCDP web page for more information. + +© 2020 Fannie Mae. + +1 of 1 diff --git a/chunks/txt/8e24cfc6e0a102fcac9a9a737cdcac79270c1da068a6b9120045830d3aac1f46.txt b/chunks/txt/8e24cfc6e0a102fcac9a9a737cdcac79270c1da068a6b9120045830d3aac1f46.txt new file mode 100644 index 0000000000000000000000000000000000000000..22fec244d9afdf0836cb9f422d69b1755aeb172a --- /dev/null +++ b/chunks/txt/8e24cfc6e0a102fcac9a9a737cdcac79270c1da068a6b9120045830d3aac1f46.txt @@ -0,0 +1,145 @@ +Always display + +0500.0008 + +ManufacturedHomeHitchWheelsAxlesRemov +edIndicator + +Always display + +0500.0044 ManufacturedHomeWidthType + +Always display + +0500.0030 SkirtingExistsIndicator + +0500.0039 SkirtingMaterialType + +When “true” do not display (display skirting +material instead) +Display when SkirtingExistsIndicator = “true” +If there are multiple, display as stacked. + +Always display + +Always display + +NA + +NA + +NA + +0500.0020 ManufacturedHomeModificationIndicator + +Checkbox always displays + +Checkbox always displays + +9.001 + +Year Installed + +9.002 + +9.003 + +9.004 + +9.005 + +Moved Since Original +Installation +Attached to +Permanent +Foundation +Towing Hitch, +Wheels, Axles +Removed +Manufactured Home +Width + +9.006 + +Skirting + +9.007 + +Have there been any +modifications, +attachments, or +additions that rely on +or have altered the +original structure for +support? + +Appendix B-1: URAR Implementation Guide v1.3 + +Manufactured Home + +Page 172 + +Report +Field ID + +Report Label + +Unique ID MISMO Data Point Name + +9.008 + +9.009 + +Modification, +Attachment, or +Addition + +Description of +Modification, +Attachment, or +Addition + +HUD Data Plate + +0500.0035 ManufacturedHomeModificationType + +0500.0019 ManufacturedHomeModificationsDescription + +9.010 + +9.011 + +HUD Data Plate +Attached +Date of Manufacture 0500.0016 ManufacturedHomeManufactureDate + +ManufacturedHomeHUDDataPlateAttachedI +ndicator + +0500.0010 + +9.012 + +Serial Number + +0500.0027 ManufacturedHomeSerialNumberIdentifier + +9.013 + +HUD Wind Zone + +0500.0033 WindZoneCode + +9.014 + +HUD Thermal Zone + +0500.0031 ThermalZoneCode + +9.015 + +HUD Roof Load Zone + +0500.0028 RoofLoadZoneCode + +Display Rules diff --git a/chunks/txt/8e2a72ab0aff958e75f8c415e32dc494c1552b242354eb58e17db2baf3870abf.txt b/chunks/txt/8e2a72ab0aff958e75f8c415e32dc494c1552b242354eb58e17db2baf3870abf.txt new file mode 100644 index 0000000000000000000000000000000000000000..7b1a5c2020489a5f89d3d7572d6909455c24e004 --- /dev/null +++ b/chunks/txt/8e2a72ab0aff958e75f8c415e32dc494c1552b242354eb58e17db2baf3870abf.txt @@ -0,0 +1,44 @@ +4.0(cid:23)(cid:28) + +4.0(cid:24)(cid:22) + +4.0(cid:24)(cid:26) + +4.0(cid:25)(cid:20) + +4.0(cid:25)(cid:24) + +Dwelling/Improvement within +Utility Easement + +4.0(cid:25)(cid:27) + +Private Utility +Impact +4.0(cid:26)(cid:22) + +4.0(cid:26)(cid:28) + +4.0(cid:27)(cid:24) + +4.0(cid:28)(cid:20) + +4.0(cid:28)(cid:26) + +Comment +4.0(cid:26)(cid:23) + +4.0(cid:27)(cid:19) + +4.0(cid:27)(cid:25) + +4.0(cid:28)(cid:21) + +4.0(cid:28)(cid:27) + +Appraisal Version # + +(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21) + +(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1) +(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)(cid:1) diff --git a/chunks/txt/8e2fd4f379a7e903f6b87be1cc8587726e56bab00518d78b45a6b078db9cbe75.txt b/chunks/txt/8e2fd4f379a7e903f6b87be1cc8587726e56bab00518d78b45a6b078db9cbe75.txt new file mode 100644 index 0000000000000000000000000000000000000000..dfde56d9c47e4727dc35acb3e96897ccc9584c4b --- /dev/null +++ b/chunks/txt/8e2fd4f379a7e903f6b87be1cc8587726e56bab00518d78b45a6b078db9cbe75.txt @@ -0,0 +1,45 @@ +multi-section) as the primary dwelling with a single ADU classified as real property. + +• Multiple ADUs for MH Advantage: Extends eligibility to MH Advantage (single-section or multi-section) +as the primary dwelling, to include ADUs provided the number of dwelling units plus the ADUs (must all +be classified as real property) does not exceed four. + +Two- to Four-Unit and Multi-story Manufactured Home Eligibility: + +• Manufactured Home (MH): Extends eligibility to two- to four-unit properties. +• Multi-story Manufactured Home: Extends eligibility to multi-story manufactured homes. + +Refer to the Selling Guide Announcement SEL-2025-10 for list of impacted topics. + +Selling Guide UAD 3.6 Policy Supplement Updates + +The chart below outlines the Selling Guide topics in the existing Selling Guide as they relate to the supplement topics +in the UAD 3.6 Policy Supplement. Use the hyperlinks to connect to specific policy for UAD 3.6; refer to the existing +Selling Guide Subpart B4, Underwriting Property for UAD 2.6 policy. Topic numbers may change when the Selling +Guide is updated once the UAD 3.6 and Forms Redesign transition is complete. +Note: Bolded titles in the table indicate a change in name. + +Selling Guide Topic Name +(UAD 2.6) + +Supplement Topic Name for Limited Production +Period +(UAD 3.6) + +B2-3-01, General Property Eligibility (12/10/2025) + +SB2-3-01, General Property Eligibility (12/10/2025) + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 5 of 166 + +UAD 3.6 Policy + +B2-3-02, Special Property Eligibility and +Underwriting Considerations: Factory-Built +Housing (12/10/2025) + +B2-3-03, Special Property Eligibility and +Underwriting Considerations: Leasehold Estates +(06/04/2025) diff --git a/chunks/txt/8e32b42048204bba0bf6644231f0a67d01c088da86cec2c4ee0f46927a86a443.txt b/chunks/txt/8e32b42048204bba0bf6644231f0a67d01c088da86cec2c4ee0f46927a86a443.txt new file mode 100644 index 0000000000000000000000000000000000000000..a19f16ddcb17e2170ffc2e33b5919b3fcfa23116 --- /dev/null +++ b/chunks/txt/8e32b42048204bba0bf6644231f0a67d01c088da86cec2c4ee0f46927a86a443.txt @@ -0,0 +1,54 @@ +1078 + +Project Eligibility Review Service Document +Checklist - Co-op Projects + +Checklist confirming all required co-op documents have +been provided (see below). + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 141 of 166 + +UAD 3.6 Policy + +Form + +Title + +Description + +1079 + +Limited or Shared Equity Co-op Worksheet + +Requires information for certain co-op projects. + +1081 + +Final Certification of Substantial Project +Completion + +Lender certification that project is substantially +complete; lender to document any exceptions or +uncompleted. + +Additional Requirements—For Newly Converted Non-Gut Rehabilitation Condo or Co-op Projects + +A non-gut rehabilitation refers to the renovation of a property that does not involve structural or functional changes, such as the +replacement of all HVAC and electrical components. Rather, the rehabilitation might include, for example, the replacement of +appliances and carpeting. + +In order for a newly converted non-gut rehabilitation condo or co-op project to receive project approval through the standard +PERS process, the project must comply with the following requirements. + +✓ + +Lender Pre-PERS Submission Review Requirements – For Newly Converted Non-Gut Rehabilitation +Condo or Co-op Projects + +The project cannot be an ineligible project in accordance with Selling Guide B4-2.1-03, Ineligible Projects. + +For condo projects—The condo project must comply with all requirements of the Full Review (as provided +in Selling Guide B4-2.2-02, Full Review Process and B4-2.2-03, Full Review: Additional Eligibility +Requirements for Units in New and Newly Converted Condo Projects). diff --git a/chunks/txt/8e3329f77c09961b8f4434cefee44eb63f5e2e5d984fd38ff718a22be8fc9398.txt b/chunks/txt/8e3329f77c09961b8f4434cefee44eb63f5e2e5d984fd38ff718a22be8fc9398.txt new file mode 100644 index 0000000000000000000000000000000000000000..2c623e83ca0350145faf1f0d206193dbcfd07e59 --- /dev/null +++ b/chunks/txt/8e3329f77c09961b8f4434cefee44eb63f5e2e5d984fd38ff718a22be8fc9398.txt @@ -0,0 +1,155 @@ +Report Label + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: Site + +Report +Field ID + +22.03.11 +22.03.38 + +Drainage + +If relevant + +22.03.12 +22.03.40 + +Site +Characteristics + +If relevant + +Required when Site +Characteristic is +Drainage, and the row +is included in the sales +comparison grid + +Required when the +row is included in the +sales comparison grid + +Site +• + +• + +Site +• + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Site Characteristic +(4.062) is Drainage +Site Drainage +Reason 4.063 + +Yes +22.03.39 + +• +• +• +• + +Evidence of Erosion +Improper Grading +Standing Water +Other (Describe) + +Site Characteristic +4.063 + +Yes +22.03.41 + +None +Coastal Barrier Resources System +Excess Land +Landlocked +Landscaping +Road Frontage +Shape +Soil Suitability +Surplus Land + +• +• +• +• +• +• +• +• +• +• Wetlands +• +• + +Zero Lot Line +Other (Describe) + +Any adjustments for Site Characteristics (other than Drainage or +Topography) are made in this row. Additional context specific to the +adjustment may be provided in Reconciliation of Sales Comparison +Approach (22.16.01). + +Appendix F-1: URAR Reference Guide + +Page 230 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Report +Field ID + +Report Label + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row diff --git a/chunks/txt/8e335230d3b9702c392e6519c63f3f486a1b8bc380fdb6bc90c6393bd98b9bb6.txt b/chunks/txt/8e335230d3b9702c392e6519c63f3f486a1b8bc380fdb6bc90c6393bd98b9bb6.txt new file mode 100644 index 0000000000000000000000000000000000000000..f03dd5e90e032b3dfca66b35d87d8fb2fc6524ec --- /dev/null +++ b/chunks/txt/8e335230d3b9702c392e6519c63f3f486a1b8bc380fdb6bc90c6393bd98b9bb6.txt @@ -0,0 +1,120 @@ +Xpath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality 1004/70 + +Data Field +Conditionality 1004 +Hybrid/70H + +Data Field +Conditionality 1004 +Desktop/70D + +Sort ID + +Form +Page + +Form +Reference +Number + +Form +Section + +352 + +353 + +354 + +2 + +2 + +2 + +92 + +93 + +94 + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +Garage/Carport +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. + +Porch, Patio, Deck + +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.) + +Porch, Patio, Deck +Adjustment + +Sale Price +Adjustment Amount + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/SALE_PRICE_ADJUSTMENT[@_Type='Car +Storage']/@_Amount +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/SALE_PRICE_ADJUSTMENT[@_Type='Por +chDeck']/@_Description +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/SALE_PRICE_ADJUSTMENT[@_Type='Por +chDeck']/@_Amount +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/OTHER_FEATURE_ADJUSTMENT[@Prope +rtyFeatureSequenceIdentifier='1']/@PropertyFeat +ureDescription + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/OTHER_FEATURE_ADJUSTMENT[@Prope +rtyFeatureSequenceIdentifier='1']/@PropertyFeat +ureAdjustmentAmount diff --git a/chunks/txt/8e3cfdf29c93876da02c4ca5ecfa0cea2ee68122cfdcf6e98eb9d64305ad41c3.txt b/chunks/txt/8e3cfdf29c93876da02c4ca5ecfa0cea2ee68122cfdcf6e98eb9d64305ad41c3.txt new file mode 100644 index 0000000000000000000000000000000000000000..0a6d6be6a6836bc1a8ccab37ee47796da3b749b6 --- /dev/null +++ b/chunks/txt/8e3cfdf29c93876da02c4ca5ecfa0cea2ee68122cfdcf6e98eb9d64305ad41c3.txt @@ -0,0 +1,77 @@ +Definition: The portion of the down payment +paid by a third party as part of a shared +equity agreement. + +Added Implementation Notes for DU, CR, and +EC: + +Enter the subsidized difference between the +fair market value without restrictions and the +sales price that is offered by an eligible party +as part of a shared equity agreement. + +Added valid value FTHBException in the +Implementation Notes for DU, CR, and EC: + +FTHBException – This enumeration is used +inform DU that at least one borrower on the +loan is using the first-time homebuyer +exception for a displaced homemaker or +single parent. + +© 2025 Fannie Mae 8.8.25 + +3 of 4 + +Unique +ID +15.001 + +Data Point Name + +DU Supported +Enumeration(s) + +Change + +PropertyUsageTypeOtherDescription + +Added new values of "chattel" and +"timeshare" to the Implementation Notes for +DU, CR and EC. + +When the property is commercial, +multifamily, land, a farm, chattel, or +timeshare enter the applicable description in +the PropertyUsageTypeOtherDescription (i.e., +commercial, multifamily, land, farm, chattel, +timeshare). + +DU Specification Cardinality Update + +The following items were updated with DU Specification Version 1.9.1. Refer to the updated specifications Cardinality tab for +additional details. + +Cardinality Container +DU:UNDERWRITING_VERIFIC +ATION + +Cardinality min:max Change +0:50 + +Increased the cardinality of the +container for DU, CR, and EC, FHA +and VA. + +MISMO v3.4 XPath +MESSAGE/DEAL_SETS/DEAL_ +SET/DEALS/DEAL/LOANS/LO +AN/EXTENSION/OTHER/DU:L +OAN_EXTENSION/DU:UNDER +WRITING_VERIFICATIONS/DU +:UNDERWRITING_VERIFICATI +ON + +Release Support + +The new DU messages will be implemented in the DU integration environment on or around Aug. 27, 2025. diff --git a/chunks/txt/8e4c59f985e7aa69a63d9cb1c5186560015a4440e8ff93c710d055c084dd2bd1.txt b/chunks/txt/8e4c59f985e7aa69a63d9cb1c5186560015a4440e8ff93c710d055c084dd2bd1.txt new file mode 100644 index 0000000000000000000000000000000000000000..186b1620012d0dc5354277a2700809f54062dc2e --- /dev/null +++ b/chunks/txt/8e4c59f985e7aa69a63d9cb1c5186560015a4440e8ff93c710d055c084dd2bd1.txt @@ -0,0 +1,85 @@ +Other Real Property Rental Income + +This subsection describes the other real property rental income associated with the subject property. + +Example 1: There is no other real property rental income. + +Example 2: There is other real property rental income, and the opinion of market income differs from the actual +income. + +Appendix F-1: URAR Reference Guide + +Page 283 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +23 Rental Information + +Rent Schedule: Actual Income – Other Real Property Rental Income + +Report +Field ID + +Report Label + +When to Include + +23.01.15 N/A + +Always required + +Allowable +Answers / Format + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +23.01.16 N/A + +Required for each +Other Income Type + +Dollar amount + +Definition / Additional Guidance + +Other Income Type +• +• + +None (there is no other real property rental income) +Non-Tenant Parking (open or covered parking spaces are rented or leased +to someone other than the occupants of the property units) +Storage +Other (Describe) + +For the subject property, this information displays in the following subsections +of Rental Information: +• + +Rent Schedule +o +o + +Actual Income (Monthly) 23.01.15 +Opinion of Market Income (Monthly) 23.01.22 + +Only select a valid value (other than None) if there is actual or market +income associated with it. +If there is other real property rental income (actual or market), provide a +description and details in Rental Analysis Commentary 23.04.01. + +Other Actual Income +Notes: +• + +If an Other Income Type is selected, the associated Other Actual Income +and Other Market Income are both required. +If Other Income Type is None, Other Actual Income and Other Market +Income must be 0. diff --git a/chunks/txt/8e4dba0834b5ab2627607e5e6ebe9f14c789ce0bad55388875717274b956747d.txt b/chunks/txt/8e4dba0834b5ab2627607e5e6ebe9f14c789ce0bad55388875717274b956747d.txt new file mode 100644 index 0000000000000000000000000000000000000000..ccc47e9d8052a510ad217b0ee059db7d858969eb --- /dev/null +++ b/chunks/txt/8e4dba0834b5ab2627607e5e6ebe9f14c789ce0bad55388875717274b956747d.txt @@ -0,0 +1,64 @@ +o Condition subject to repair – C4 (after repairs are completed) +o Based on As Is – C5 (current state condition) + +• Sales contract was analyzed and included concessions, the transfer terms were considered + +typically motivated, and it appears to be an arm’s length transaction + +• Two defects have been identified: one subject to repair, one with no recommended action +• Below grade exterior access is included as an additional row in the sales grid +• The Sales Comparison Approach section includes Additional Properties Analyzed Not Used + +Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to +information in the URAR. + +The URAR sample scenario begins on the next page. + +This cover section, including Introduction and Key Characteristics, + +is not part of the URAR. + +Uniform Residential Appraisal Report + +123 FALLING TREE CT, TREEVILLE, VA 12345 + +SUMMARY + +Opinion of Market Value + +$491,000 + +Market Value Condition + +Subject to Repair + +Final Value Condition Statement This appraisal is made subject to the itemized list of repairs or alterations below on the basis of a +hypothetical condition that the repairs or alterations have been completed in a professional manner. This might have affected the assignment +results. + +Effective Date of Appraisal +Assignment Reason +Borrower Name + +Current Owner of Public Record +Contract Price +Listing Status + +09/20/2019 +Purchase +Betty Borrower +Bob Borrower +Jane Doe +$489,000 +Pending + +Property Valuation Method +Appraiser Name + +Traditional Appraisal +Agatha Appraiser + +Property Description + +Construction Method +Attachment Type diff --git a/chunks/txt/8e60df1fac5f6f780a4d94ec368c0416d6d72bdf05da7770fa9cb4bd4cf3854c.txt b/chunks/txt/8e60df1fac5f6f780a4d94ec368c0416d6d72bdf05da7770fa9cb4bd4cf3854c.txt new file mode 100644 index 0000000000000000000000000000000000000000..ad65841e8c0a67687055b4594f9d1a55144c934a --- /dev/null +++ b/chunks/txt/8e60df1fac5f6f780a4d94ec368c0416d6d72bdf05da7770fa9cb4bd4cf3854c.txt @@ -0,0 +1,59 @@ +Signature + +Appraiser +Agatha Appraiser +Agatha Appraiser + +09/20/2019 + +Date of Signature and Report + +Level +ID +State +Expires + +Certified Residential +XYZ12345 +VA +10/10/2020 + +Appraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1) + +Single Family Scenario 2 (SF2) + +Introduction + +This report was completed as a traditional appraisal for an attached end-unit townhouse located in a Planned +Unit Development (PUD). It is within ¼ mile of a busy roadway, which has an adverse impact, and within +three blocks of a park, which has a beneficial impact. + +The subject property contains five bedrooms, four full bathrooms, and one half bathroom throughout four +separate levels. It was built three years prior to the date on which the inspection took place for this report. +The interior is noted to have typical wear and tear throughout all rooms, while the kitchen has commercial +grade appliances and granite counter tops, and the bathrooms have ceramic tile and upgraded fixtures. + +This appraisal was made subject to the following: +• +• + +Possible termite infestation on the exterior walls and trim (Subject to Inspection). +The water heater was not operational at the time of the inspection (Subject to Repair). + +The subject property is currently under contract for $866,000 with the final opinion of market value being +$880,000. + +Key Characteristics + +• + +Parties associated with this transaction: + +o Lender (Client) +o AMC +o Licensed Residential Appraiser completed interior inspection + +Connected to public electricity, gas, sanitary sewer, and water +Construction Method: Site Built +Attachment Type: Attached (End-Unit Townhouse) +Property Rights: Fee Simple diff --git a/chunks/txt/8e62d8d04e870e8942263304b33c56cf5027fb7e44ec69375b9760d1ec9cac1a.txt b/chunks/txt/8e62d8d04e870e8942263304b33c56cf5027fb7e44ec69375b9760d1ec9cac1a.txt new file mode 100644 index 0000000000000000000000000000000000000000..0c1db0ff3f2264212660016f95a45c67452c9625 --- /dev/null +++ b/chunks/txt/8e62d8d04e870e8942263304b33c56cf5027fb7e44ec69375b9760d1ec9cac1a.txt @@ -0,0 +1,193 @@ +The XYZ + +Balcony + +OutdoorLiving + +0 + +Attached + +1 + +false + +1 + +C3 + +Q4 + +false + +true + +FeeSimple + +true + +false + +None + +true + +Partial + +Skyline + +300 Wilshire Blvd + +Unit + +400 + +Nowhere + +90021 + +CA + +1 + +SettledSale + +Superior utility resulted in a higher sale price. + +false + +BedroomCount + +BathroomCount + +2019-08-01 + +Sale + +11004 Westwood Blvd + +Unit + +211 + +Nowhere + +90021 + +CA + +2 + +SettledSale + +Larger unit offering greater utility. + +false + +BathroomCount + +GrossLivingArea + +2019-08-15 + +Sale + +208 Midvale Ave + +Unit + +404 + +Nowhere + +90021 + +CA + +3 + +SettledSale + +Smaller unit offering less utility. + +false + +BathroomCount + +GrossLivingArea + +2019-08-20 + +Sale + +880 Kelton Ave + +Unit + +612 + +Nowhere + +90021 + +CA + +4 + +SettledSale + +Was listed as a "fixer upper" by the agent. + +false + +Condition + +2019-08-26 + +Sale + +11005 Westwood Blvd + +Unit + +822 + +Nowhere + +90021 + +CA + +5 + +SettledSale + +Much larger unit that was recently renovated. + +false + +Condition + +GrossLivingArea + +2019-08-30 + +Sale + +JD5624946 + +Client + +ABCD1234098 + +ValuationSoftwareVendor + +A43219302 + +ManagementCompany + +NotNecessaryForCredibleResults + +NotNecessaryForCredibleResults + +Comp #1 was a model match within the subject building, and was relied upon the most to develop the final opinion of value. Since the subject project is subject to an ongoing special assessment, known details were provided within the grid, resulting in no measurable impact to value. Comp #3 is a competing unit within the subject's market segment, of similar utility. Comp #4 is a current listing of a very similar unit, but is from a project with a higher predominant value, warranting an approximately 5% adjustment. diff --git a/chunks/txt/8e73a3e1f8c92122688bb3697e9219dd50e55516b7ece64c00c900de878ba5e9.txt b/chunks/txt/8e73a3e1f8c92122688bb3697e9219dd50e55516b7ece64c00c900de878ba5e9.txt new file mode 100644 index 0000000000000000000000000000000000000000..7a669b098f2cba180c9cf550299bcd9c4890a7e5 --- /dev/null +++ b/chunks/txt/8e73a3e1f8c92122688bb3697e9219dd50e55516b7ece64c00c900de878ba5e9.txt @@ -0,0 +1,11 @@ +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/846","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/8e83e94b2634fea101b2cc95b717c228bb91109f34f84017c35dab86c21b9554.txt b/chunks/txt/8e83e94b2634fea101b2cc95b717c228bb91109f34f84017c35dab86c21b9554.txt new file mode 100644 index 0000000000000000000000000000000000000000..1a2b1ac1cdad0548c53034e8464e414ec3b1e239 --- /dev/null +++ b/chunks/txt/8e83e94b2634fea101b2cc95b717c228bb91109f34f84017c35dab86c21b9554.txt @@ -0,0 +1,88 @@ +For the Subject Property Amenities 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 + +Completion +Inspection +Repair (includes replacement) +None (does not require repair, replacement, completion, or inspection) + +The recommended action for the defect, damage, or deficiency. +• +• +• +• +Note: +• + +If Completion, Inspection, or Repair is reported for any defect, damage, or +deficiency + +o + +o + +The report must be made subject to the resolution of the item +(Market Value Condition 26.009 cannot be As Is). +If Repair is selected, the estimated cost to repair may be +provided in the Reconciliation section. + +Appendix F-1: URAR Reference Guide + +Page 170 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +14 Subject Property Amenities + +Subject Property Amenities Commentary + +Report +Field ID + +14.011 + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Subject Property Amenities Commentary + +If applicable + +Free-form + +Subject Property +Amenities +Commentary + +Commentary could include information pertinent to the Subject Property +Amenities section that is not captured in the discrete data, or additional details +to support the discrete data that is provided. + +Subject Property Amenities Exhibits + +All photos or images related to the Subject Property Amenities section are displayed in the Subject Property +Amenities Exhibits subsection. If there are no photos or images, this subsection does not display. diff --git a/chunks/txt/8e869f975f131a6b05912d7390b737ec1cefc14f71776c4a571b1b33c3728c1e.txt b/chunks/txt/8e869f975f131a6b05912d7390b737ec1cefc14f71776c4a571b1b33c3728c1e.txt new file mode 100644 index 0000000000000000000000000000000000000000..a4d495e8e0e0b18ff0393f0ef2af3bbd9257395c --- /dev/null +++ b/chunks/txt/8e869f975f131a6b05912d7390b737ec1cefc14f71776c4a571b1b33c3728c1e.txt @@ -0,0 +1,122 @@ +NFIP Map Panel +Date + +The map effective date or the map revised +date shown on the NFIP map. + +/VALUATION_RESPONSE/PROPERTY/SITE/FLOOD_ZONE/@NFIPMapPan +elDate + +125 + +PROJECT SITE + +Are the utilities and off-site +improvements typical for the market +area? Yes + +Property Analysis +Exists Indicator + +Indicates that the aspect of analysis is +present in the property. + +/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type=' +UtilitiesAndOffSiteImprovementsConformToNeighborhood' and +@_ExistsIndicator='Y'] + +126 + +PROJECT SITE + +Are the utilities and off-site +improvements typical for the market +area? No + +Property Analysis +Exists Indicator + +Indicates that the aspect of analysis is +present in the property. + +/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type=' +UtilitiesAndOffSiteImprovementsConformToNeighborhood' and +@_ExistsIndicator='N'] + +1 + +20 + +22 + +10 + +1 + +1 + +Format + +Boolean + +String + +String + +Date/Time + +Boolean + +Boolean + +Data Format: +yyyy-mm-dd + +PDF Display Format: +mm/dd/yyyy + +127 + +PROJECT SITE + +Are the utilities and off-site +improvements typical for the market +area? If No, describe + +Property Analysis +Comment + +A free-form text field that holds the +property analysis comments for the +analysis category specified by Property +Analysis Type. + +/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type=' +UtilitiesAndOffSiteImprovementsConformToNeighborhood']/@_Comment + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +128 + +PROJECT SITE + +129 + +PROJECT SITE + +130 + +PROJECT SITE + +PROJECT +INFORMATION + +Are there any adverse site conditions or +external factors (easements, +encroachments, environmental +conditions, land uses, etc.)? Yes diff --git a/chunks/txt/8e8b3ea4678f38499f0b8111837b70f243669dfb445693308eba901fc8c52dab.txt b/chunks/txt/8e8b3ea4678f38499f0b8111837b70f243669dfb445693308eba901fc8c52dab.txt new file mode 100644 index 0000000000000000000000000000000000000000..ee9bd939f4c8f0d082f5af557a829231265299b4 --- /dev/null +++ b/chunks/txt/8e8b3ea4678f38499f0b8111837b70f243669dfb445693308eba901fc8c52dab.txt @@ -0,0 +1,61 @@ +[Manufactured Housing Agenda, Transcript, Presentations, and Video](/news/videos/2022-duty-to-serve-listening-session-manufactured-housing-and-tenant-protections) + +[Rural Housing Agenda, Transcript, Presentations, and Video](/news/videos/2022-duty-to-serve-listening-session-rural-housing) + +--- + +## **April 2022** + +## **FHFA and Ginnie Mae Public Listening Session** + +Topic: FHFA’s Re-Proposed Minimum Financial Eligibility Requirements for Fannie Mae and Freddie Mac Single-Family Seller/Servicers and Ginnie Mae’s Eligibility Requirements for Single-Family MBS Issuers + +Date: 4/25/2022 + +Time: 1:00 PM - 3:00 PM + +Location: Online Event + +[Agenda, Transcript, and Video](/news/videos/fhfa-and-ginnie-mae-public-listening-session-on-re-proposed-eligibility-requirements) + +--- + +## **March 2022** + +## **Public Listening Session on Credit Score Models​​** + +Date: 3/1/2022 + +Time: 2:00 PM - 4:00 PM + +Location: Online Event + +[Agenda and Video](/news/videos/public-listening-session-on-credit-score-models) + +## **2021** + +## **October 2021** + +## **​FHFA Fall Econ Summit​​** + +Date: 10/26/2021 + +Time: 9:00 AM - 12:15 PM + +Location: Online Event + +Topic: Housing Supply and Implications for Affordable Housing + +[Agenda and Presentations](/news/public-engagements/econ-summit/fall-2021) + +--- + +## **Using Accessory Dwelling Units to Increase Housing Supply​​** + +Date: 9/14/2021 + +Time: 1:00 - 5:30 PM + +Location: Online Event + +[Agenda, Transcript, Video, and Presentations](/news/videos/using-accessory-dwelling-units-to-increase-housing-supply) diff --git a/chunks/txt/8e91bd94c98fa7cd6581abee3ab8a5e0283d4802597b9e2a4759fd0635398dc0.txt b/chunks/txt/8e91bd94c98fa7cd6581abee3ab8a5e0283d4802597b9e2a4759fd0635398dc0.txt new file mode 100644 index 0000000000000000000000000000000000000000..1231ade4dae24f99c2aa73b43a3029879f310cd3 --- /dev/null +++ b/chunks/txt/8e91bd94c98fa7cd6581abee3ab8a5e0283d4802597b9e2a4759fd0635398dc0.txt @@ -0,0 +1,154 @@ +MISMO v3.3.0 +Context + +MISMO v3.3 Data +Point/Attribute MISMO v3.3.0 Value + +Notes + +…/DOCUMENT/ABOU +T_VERSIONS/ABOUT_ +VERSION + +AboutVersionIdentifi +er + +Retrievable + +@IdentifierOwnerURI http://www.mismo.o +rg/residential/2009/S +MARTDocProfile + +0.011 + +N/A - XML + +DataVersionIdentifier UCD Delivery + +Specification n.m + +0.03 + +N/A – XML + +…/DOCUMENT_CLAS +S + +DocumentType + +Other + +0.046 + +Closing Disclosure + +DocumentTypeOther +Description + +ClosingDisclosure:Mo +delForm + +0.014 + +N/A – XML + +…/DOCUMENT_CLAS +SIFICATION_DETAIL + +DocumentFormIssuin +gEntityNameType + +CFPB + +0.015 + +N/A – XML + +DocumentFormIssuin +gEntityVersionIdentifi +er + +11-20-2013 + +0.051 + +N/A-XML + +…/DOCUMENT_CLAS +SIFICATION_DETAIL/E +XTENSION/OTHER + +gse:DocumentSignat +ureRequiredIndicator + +false | true + +a. MAPPI NG GUIDANCE + +1. 0.1 The value “Other” must always be provided for DocumentType along with + +DocumentTypeOtherDescription with one of the four GSE accepted enumerations. + +2. See C. XML-Required Data Points for description of XML data points. + +3. See A. DOCUMENTATI ON CONVENT IONS for definitions of each column. + +Appendix E: UCD Implementation Guide + +Page 29 of 254 + +Version 1.4 + +▪ Only acceptable + +value + +▪ Type of SMART + +Doc profile used + +▪ Only acceptable + +value + +▪ Source of SMART + +Doc profile +▪ Attribute of + +AboutVersionIdent +ifier + +▪ Data specification +governing the data +and document +▪ Implementers + +should be using +the most recent +specification value + +▪ Only acceptable + +value + +▪ Identifies the + +Closing Disclosure +format + +▪ + +▪ Only acceptable + +value + +▪ Source of the + +Closing Disclosure + +▪ Only acceptable + +value + +▪ Date the Closing diff --git a/chunks/txt/8e942eede327d4519f5f2830cf29ce4397aa6940a2f8ceaddc6b8536ac76f745.txt b/chunks/txt/8e942eede327d4519f5f2830cf29ce4397aa6940a2f8ceaddc6b8536ac76f745.txt new file mode 100644 index 0000000000000000000000000000000000000000..b850a04b13a6cbc9aadc19a2efdbea62a375055d --- /dev/null +++ b/chunks/txt/8e942eede327d4519f5f2830cf29ce4397aa6940a2f8ceaddc6b8536ac76f745.txt @@ -0,0 +1,34 @@ +Non-Residential Use Appraisal Requirements for Mixed-Use Properties + +An appraisal of a property with a non-residential use(s) must + +• provide a detailed description of the non-residential characteristics of the subject property; +• + +indicate that the mixed use of the property is a legal, permissible use of the property under the local zoning +requirements; +report any adverse impact on marketability and market resistance to the non-residential use of the property; and +report the market value of the property based on the residential characteristics, rather than the business use or any +special business-use modifications that were made. + +• +• + +Non-Residential Use Reporting + +Non-residential use(s) are reported in the following areas of the Uniform Residential Appraisal Report (URAR): + +• When the site is not owned in common, then the type of non-residential use(s) and any non-residential use modifications + +is identified in the Site section under property use. Commentary on the nature of the non-residential use and +modifications, including the extent of the changes and whether they have an adverse impact on marketability as a +residential property must be included. + +• When the site is owned in common, then any non-residential use(s) in the subject unit is identified in the Unit Interior + +section. In this case, the appraiser must indicate whether the live/work space is available within the residential unit and +include the area used for non-residential purposes. + +When a non-residential use is identified within a condo or co-op project but not in the subject unit, it is identified in the Project +Information section under commercial space. The appraiser must include the estimated percentage of commercial space and +whether the impact of the commercial space is adverse, beneficial, or neutral. diff --git a/chunks/txt/8eace0192b8b38ae2b485cf2ecb9d6002dbc194858610b445f37f308ca6baca8.txt b/chunks/txt/8eace0192b8b38ae2b485cf2ecb9d6002dbc194858610b445f37f308ca6baca8.txt new file mode 100644 index 0000000000000000000000000000000000000000..d1fcedb50246b4d25796e61378866d8452e23566 --- /dev/null +++ b/chunks/txt/8eace0192b8b38ae2b485cf2ecb9d6002dbc194858610b445f37f308ca6baca8.txt @@ -0,0 +1,28 @@ +w +D +O +R +P +1 +B +6 +L +C +W +H +K +S +D +n +o + +n +o +s +n +b +o +r +s + +i diff --git a/chunks/txt/8eb0fc47ed18cf4800d9dfcc9ed456c641e6debe5006dfa53cb08a6bdfbbc221.txt b/chunks/txt/8eb0fc47ed18cf4800d9dfcc9ed456c641e6debe5006dfa53cb08a6bdfbbc221.txt new file mode 100644 index 0000000000000000000000000000000000000000..1814a75ea8d5f62ce1f86e194c532eba50611be7 --- /dev/null +++ b/chunks/txt/8eb0fc47ed18cf4800d9dfcc9ed456c641e6debe5006dfa53cb08a6bdfbbc221.txt @@ -0,0 +1,22 @@ +Note that loans secured by MH Advantage properties are afforded a number of flexibilities over standard manufactured housing, +including higher LTV ratios, standard mortgage insurance, reduced loan-level price adjustments, and the number of permitted ADUs. +See the Eligibility Matrix, Selling Guide B7-1-02, Mortgage Insurance Coverage Requirements, and Loan-Level Price Adjustment Matrix, +respectively, for additional information. + +Modular, Prefabricated, Panelized, or Sectional Housing Eligibility + +Modular Homes. Fannie Mae purchases loans secured by modular homes built in accordance with the International Residential +Code administered by state agencies responsible for adopting and administering building code requirements for the state in +which the modular home is installed. + +Prefabricated, Panelized, and Sectional Homes. Loans secured by prefabricated, panelized, or sectional housing are eligible for +purchase. These properties do not have to satisfy HUD’s Federal Manufactured Home Construction and Safety Standards or the +International Residential Codes that are adopted and administered by the state in which the home is installed. The home must +conform to local building codes in the area in which it will be located. + +Modular, Prefabricated, Panelized, or Sectional Housing Requirements + +Factory-built housing such as modular, prefabricated, panelized, or sectional housing is not considered manufactured housing +and is eligible under the guidelines for one-unit properties. These types of properties must + +• be built of the same quality of materials as and assume the characteristics of site-built housing, diff --git a/chunks/txt/8ecabbd48bc0cca2694967d60267872335dd33de8424547c5985907813a43d30.txt b/chunks/txt/8ecabbd48bc0cca2694967d60267872335dd33de8424547c5985907813a43d30.txt new file mode 100644 index 0000000000000000000000000000000000000000..4016eafe4666077bc70f762f2bc2c1561d3beb80 --- /dev/null +++ b/chunks/txt/8ecabbd48bc0cca2694967d60267872335dd33de8424547c5985907813a43d30.txt @@ -0,0 +1,123 @@ +1 + +1 + +Boolean + +Boolean + +Property Analysis +Comment + +A free-form text field that holds the +property analysis comments for the +analysis category specified by +Property Analysis Type. + +/VALUATION_RESPONSE/PROPERTY/PRO +PERTY_ANALYSIS[@_Type='ConformsToNei +ghborhood']/@_Comment + +4000 + +String + +One and only one of fields 1-223, 1-224 +(Property Analysis Type = +'ConformsToNeighborhood' and values of +Property Analysis Exists Indicator) should be +indicated. + +One and only one of fields 1-223, 1-224 +(Property Analysis Type = +'ConformsToNeighborhood' and values of +Property Analysis Exists Indicator) should be +indicated. + +This field should be populated if field 1-224 +(Property Analysis Type = +'ConformsToNeighborhood' and Property +Analysis Exists Indicator = 'N') is indicated. + +This field may not exist in all forms vendor +software. + +This field should contain a description if the property does not generally +conform to the neighborhood (functional utility, style, condition, use, +construction, use, etc). + +Note: All text entered in this field, including overflow into the addendum, must +be captured and included in the XML data point. +This field occurs on every page of the form and must be consistent. The +placement of the header on the form varies from vendor to vendor. The print +reference placement on Appendix C is not required and is for illustrative +purposes only. + +2 + +HEADER + +BLANK + +Report Title +Description + +Used to specify the title of a report. + +/VALUATION_RESPONSE/REPORT/@_Title +Description + +50 + +String + +R + +T + +T + +T + +T + +T + +T + +T + +R + +T + +T + +T + +T + +T + +T + +T + +R + +T + +T + +T + +T + +T + +T + +T + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping diff --git a/chunks/txt/8ed3d820d4e14983ce23bfdd778e98f1955fb2196b1dde2a3e39df8a832365e2.txt b/chunks/txt/8ed3d820d4e14983ce23bfdd778e98f1955fb2196b1dde2a3e39df8a832365e2.txt new file mode 100644 index 0000000000000000000000000000000000000000..623566d3450c0cfed661b836b0350af232987984 --- /dev/null +++ b/chunks/txt/8ed3d820d4e14983ce23bfdd778e98f1955fb2196b1dde2a3e39df8a832365e2.txt @@ -0,0 +1,138 @@ +Data Source +Description + +A free-form text field used to describe +the source of information. + +Date of Prior +Sale/Transfer SUBJECT + +GSE Prior Sale Date + +The date of the prior sale of the +subject or comparable properties. + +377 + +2 + +115 + +SALES +COMPARISON +APPROACH + +Price of Prior +Sale/Transfer +SUBJECT + +Property Sales +Amount + +The sales price of the referenced +property. + +378 + +2 + +116 + +SALES +COMPARISON +APPROACH + +Data Source (s) +SUBJECT + +Data Source +Description + +A free-form text field used to describe +the source of information. + +379 + +2 + +117 + +SALES +COMPARISON +APPROACH + +Effective Date of Data +Source (s) +SUBJECT + +Data Source Effective +Date + +The effective date of the source of +information. + +380 + +2 + +118 + +SALES +COMPARISON +APPROACH + +Date of Prior +Sale/Transfer +COMPARABLE + +GSE Prior Sale Date + +The date of the prior sale of the +subject or comparable properties. + +381 + +2 + +119 + +SALES +COMPARISON +APPROACH + +Price of Prior +Sale/Transfer +COMPARABLE + +Property Sales +Amount + +The sales price of the referenced +property. + +1 + +1 + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/RESEARC +H/COMPARABLE[@_HasPriorSalesIndicator=' +N'] + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/RESEARC +H/COMPARABLE/@DataSourceDescription +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0’]/P +RIOR_SALES/PRIOR_SALES_EXTENSION/ +PRIOR_SALES_EXTENSION_SECTION[@E +xtensionSectionOrganizationName +='UNIFORM APPRAISAL DATASET']/ +PRIOR_SALES_EXTENSION_SECTION_DA +TA/PRIOR_SALE/@GSEPriorSaleDate + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/P +RIOR_SALES/@PropertySalesAmount diff --git a/chunks/txt/8ee2abd7bbf7780f482959444ef403acee8313f3b19fca093a5b0f95189ae1be.txt b/chunks/txt/8ee2abd7bbf7780f482959444ef403acee8313f3b19fca093a5b0f95189ae1be.txt new file mode 100644 index 0000000000000000000000000000000000000000..ee554048d36289be8f51c53cdfacd90a9904c7f7 --- /dev/null +++ b/chunks/txt/8ee2abd7bbf7780f482959444ef403acee8313f3b19fca093a5b0f95189ae1be.txt @@ -0,0 +1,9 @@ +We employ physical, technical, and administrative safeguards to maintain the security, confidentiality, and integrity of the information we collect on our website. To view a listing of our Privacy Impact Assessments for our electronic systems and collections, please visit our privacy page at [https://www.fhfa.gov/about/privacy/privacy-impact-assessment](https://www.fhfa.gov/about/privacy/privacy-impact-assessment). + +While you must provide certain information about yourself (*e.g.*, name, address, and email address) for a personal response to any incoming questions or comments to FHFA, we strongly recommend that you **DO NOT** include other personal information, especially your Social Security Number, mortgage loan numbers and amounts, or other financial account information. + +*For guidance on how to protect your Social Security Number visit the Social Security Administration's*[*website*](https://www.ssa.gov/)*.* + +## 5. E-Mail Policy + +You may send us electronic mail (email) that contains your personal information, comment, question, or complaint. If you send us email, we may store your name, email address and other personal information in order to respond to you. With the exception of comments made specifically in response to a Request for Comments issued by FHFA for rulemaking purposes, we do not share your email with any other outside organizations except: (i) as set forth in our SORNs; (ii) for authorized law enforcement investigations; or (iii) with our regulated entities in order to assist in responding to complaints and inquiries. Comments made in response to a Request for Comments related to a rulemaking are public information and are posted on the website in the rulemaking section without change and will include any personal information you provide, such as your name, address, telephone number and email address. diff --git a/chunks/txt/8eeaa420ca06538ac88d1614395691499fc4488134fa9829dd18c8f702d15964.txt b/chunks/txt/8eeaa420ca06538ac88d1614395691499fc4488134fa9829dd18c8f702d15964.txt new file mode 100644 index 0000000000000000000000000000000000000000..d136fada07ad585005e46337f1b3153a6e63ce71 --- /dev/null +++ b/chunks/txt/8eeaa420ca06538ac88d1614395691499fc4488134fa9829dd18c8f702d15964.txt @@ -0,0 +1,105 @@ +My (our) opinion of the market value… +The appraiser must enter the value of the +subject property. The value of the subject +property must match the appraised value of +the subject property in the Appraiser +Certification section. + +Reporting Format: +My (our) opinion of the market value… – +Currency, whole dollars only + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073/465 + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075/466 + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073/465 + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075/466 + +Page 60 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073/465 + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075/466 + +• 1073 Hybrid/465H + +REQUIREMENT + +• 1073 Desktop/465D + +Date of Inspection and Effective Date of +Appraisal +The appraiser must enter the date of the +inspection, which is also the effective date of +the appraisal. + +Reporting Format: +Date of Inspection and Effective Date of +Appraisal – mm/dd/yyyy + +Appraisal Assignment Type +The appraiser must select the type of +assignment aligned with the applicable +version of scope of work/certification. + +Hybrid + +DesktopAppraisal + +Reporting Format: +Enumerations are case sensitive, and +appraiser can only select one of the values +listed above. diff --git a/chunks/txt/8ef2f65fc3a902cd2a2e03e02127e30ebed23c55c67c5ae29d6cb3e0c1ef2fa3.txt b/chunks/txt/8ef2f65fc3a902cd2a2e03e02127e30ebed23c55c67c5ae29d6cb3e0c1ef2fa3.txt new file mode 100644 index 0000000000000000000000000000000000000000..c6f10f14ff97527008386a33a84f04bfb90a4ce8 --- /dev/null +++ b/chunks/txt/8ef2f65fc3a902cd2a2e03e02127e30ebed23c55c67c5ae29d6cb3e0c1ef2fa3.txt @@ -0,0 +1,78 @@ +Net Adjustment is the sum of all adjustments. +If there are no adjustments, the net +adjustment value must be zero (0). + +My research did/did not reveal any prior +sales or transfers… +The appraiser must select the appropriate +checkbox to indicate either ‘did’ or ‘did not’ for +this statement. Only one response is +permitted for each statement. + +Reporting Format: +My research did/did not reveal any prior sales +or transfers of the subject property… – +Checkbox designated with an ‘x’ +My research did/did not reveal any prior sales +or transfers of the comparable sales… – +Checkbox designated with an ‘x’ + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073/465 + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075/466 + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073*/465* + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075*/466* + +*FIELDS ARE LOCATED +IN PRIOR SALE +HISTORY SECTION + +Page 55 of 68 + +Appendix A: GSE Appraisal Forms Mapping + +Document Version 1.5 + +© 2022 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at +the direction of the Federal Housing Finance Agency. + +Date of Prior Sale/Transfer +The appraiser must report the date(s) of prior +sale(s) or transfer(s) of the subject property +for the three years prior to the effective date of +the appraisal. The appraiser must report the +date(s) of the prior sale(s) or transfer(s) of any +comparable property during the twelve +months prior to its date of sale. diff --git a/chunks/txt/8ef8acc2747682aee4b1ced5efb70d9c7cc12d2253f2420f7687e2ef82310ca2.txt b/chunks/txt/8ef8acc2747682aee4b1ced5efb70d9c7cc12d2253f2420f7687e2ef82310ca2.txt new file mode 100644 index 0000000000000000000000000000000000000000..73e3e6ffbc165da1be11ff6a1145b653e25ce791 --- /dev/null +++ b/chunks/txt/8ef8acc2747682aee4b1ced5efb70d9c7cc12d2253f2420f7687e2ef82310ca2.txt @@ -0,0 +1,110 @@ +Page 110 + +Ownership Rights + +The Ownership Rights subsection displays when the property is not in a cooperative. Below is an overview of the subsection. (Figure 3 - 2) + +Report +Field ID + +Report Label + +Subject Property: Ownership Rights + +Unique ID + +MISMO Data Point Name + +Display Rules + +3.019 + +Property Rights Appraised + +0100.0024 + +PropertyEstateType + +Display when PropertyInProjectIndicator = "false" OR +ProjectLegalStructureType = "Condominium" + +3.020 + +3.021 + +Community Land Trust + +1500.0031 + +CommunityLandTrustIndicator + +Display when PropertyEstateType = "Leasehold" or “Other” + +Native American Lands + +1500.0199 + +NativeAmericanLandsType + +Display when NativeAmericanLandsIndicator = "true" + +3.022 + +Ground Rent Annual Amount + +0100.0028 + +PropertyGroundLeaseAnnualAmount + +3.023 + +Renewable + +0100.0030 + +PropertyGroundLeaseRenewableIndicator + +3.024 + +Term + +0100.0031 + +PropertyGroundLeaseTermYearsCount + +3.025 + +Expires + +0100.0029 + +PropertyGroundLeaseExpirationDate + +Display when PropertyEstateType = "Leasehold" AND +LandOwnedInCommonIndicator = "false" + +- Display when PropertyGroundLeaseAnnualAmount > 0 +- Display when PropertyEstateType = "Leasehold" AND + +LandOwnedInCommonIndicator = "false" +Display when GovernmentAgencyAppraisalIndicator = "true" AND +PropertyGroundLeaseRenewableIndicator = "true" +- Display when PropertyGroundLeaseAnnualAmount > 0 +- Display when PropertyEstateType = "Leasehold" AND + +LandOwnedInCommonIndicator = "false" + +3.026 + +3.027 + +3.028 + +Description of Ground Rent and +Impact to Value/Marketability + +0100.0048 + +PropertyGroundRentDescription + +Display when PropertyGroundLeaseAnnualAmount > 0 diff --git a/chunks/txt/8efd9e84ccb9de347b77327be80b9e9c306b18f91761010564dc31e5b6d43426.txt b/chunks/txt/8efd9e84ccb9de347b77327be80b9e9c306b18f91761010564dc31e5b6d43426.txt new file mode 100644 index 0000000000000000000000000000000000000000..968641b37f5842189f2bf28df8895809a711ed19 --- /dev/null +++ b/chunks/txt/8efd9e84ccb9de347b77327be80b9e9c306b18f91761010564dc31e5b6d43426.txt @@ -0,0 +1,39 @@ +✓ + +Lender Requirements for Properties with Solar Panels that are Leased or Covered by a Power +Purchase Agreement + +The lender must obtain and review copies of the lease or power purchase agreement. + +The monthly lease payment must be included in the DTI ratio calculation unless the lease is structured to + +• provide delivery of a specific amount of energy at a fixed payment during a given period, and + +• have a production guarantee that compensates the borrower on a prorated basis in the event the + +solar panels fail to meet the energy output required for in the lease for that period. + +Payments under power purchase agreements where the payment is calculated solely based on the energy +produced may be excluded from the DTI ratio. + +The value of the solar panels cannot be included in the appraised value of the property. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 31 of 166 + +UAD 3.6 Policy + +✓ + +Lender Requirements for Properties with Solar Panels that are Leased or Covered by a Power +Purchase Agreement + +The value of the solar panels must not be included in the LTV ratio calculation, even if a precautionary UCC +filing is recorded because the documented lease or power purchase agreement status takes priority. + +Note: A “precautionary” UCC filing is one that lessors often file to put third parties on notice of their +claimed ownership interest in the property described in it. When the only property described in the UCC +filing as collateral is the solar equipment covered by the lease or power purchase agreement, and not the +home or underlying land, such a precautionary UCC filing is acceptable (and a minor impediment to title), +as long as the loan is underwritten in accordance with this topic. diff --git a/chunks/txt/8f0a8bba7b8dcec7701169666fa8a759ab33888313fb36ea467e237ca2062e46.txt b/chunks/txt/8f0a8bba7b8dcec7701169666fa8a759ab33888313fb36ea467e237ca2062e46.txt new file mode 100644 index 0000000000000000000000000000000000000000..9bc7596dac4b42cc4d31003409ba38d995894fde --- /dev/null +++ b/chunks/txt/8f0a8bba7b8dcec7701169666fa8a759ab33888313fb36ea467e237ca2062e46.txt @@ -0,0 +1,111 @@ +Level 1 - Living Room + +This is where the Dining Room photo would display. + +This is where the Living Room photo would display. + +Functional Obsolescence + +Functional Issues + +None + +Vehicle Storage + +Storage +Driveway + +Number of Parking Spaces +3 + +Detail +Concrete + +Apparent Defects, Damages, Deficiencies (Vehicle Storage) + +None + +Vehicle Storage Exhibits + +Driveway + +This is where the Driveway photo would display. + +Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K + +Uniform Residential Appraisal Report + +Page 8 of 19 +Page 8 of 19 + +Subject Property Amenities + +Amenity Category +Outdoor Living + +Subject Property Amenity +Deck + +Material +Wood + +Detail +168 Sq. Ft. + +Apparent Defects, Damages, Deficiencies (Subject Property Amenities) + +None + +Subject Property Amenities Exhibits + +Deck + +This is where the Deck photo would display. + +Overall Quality and Condition + +Overall Quality + +Exterior Quality +Interior Quality + +Q4 +Q4 +Q4 + +Overall Condition + +Exterior Condition +Interior Condition + +C3 +C3 +C3 + +Reconciliation of Overall Quality and Condition + +The property has been well maintained and shows little sign of wear and tear. + +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?   + +Market + +Market Area Boundary The subject’s market area is framed to the North by I-70, to the East by Main Street, to the South and West by George +Washington Park. diff --git a/chunks/txt/8f1eacee25a01892e49dea54fad7367f84bde9d15582bf35469614533799d32a.txt b/chunks/txt/8f1eacee25a01892e49dea54fad7367f84bde9d15582bf35469614533799d32a.txt new file mode 100644 index 0000000000000000000000000000000000000000..36587fe103a35575756c8ea78ca47c3cfc671a44 --- /dev/null +++ b/chunks/txt/8f1eacee25a01892e49dea54fad7367f84bde9d15582bf35469614533799d32a.txt @@ -0,0 +1,44 @@ +When using a lease agreement, the lease agreement amount must be supported by + +• URAR1 or +• + +evidence the terms of the lease have gone into effect. Evidence must include a minimum of: + +o + +o + +two months consecutive bank statements or electronic transfers of rental payments for existing lease +agreements, or +copies of the security deposit and first full month's rent check with proof of deposit for newly executed +agreements. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 41 of 166 + +UAD 3.6 Policy +See Treatment of the Income (or Loss) below for further instructions. + +1See General Requirements for Documenting Rental Income (Subject and Non-Subject Property) for exception to use a Single-Family Comparable Rent Schedule (Form 1007) containing the +“Monthly Market Rent” amount. + +Treatment of the Income (or Loss) + +The treatment and amount of monthly qualifying rental income (described above in Calculating Monthly Qualifying Rental Income +(or Loss)) used in the calculation of the borrower's total debt-to-income ratio — varies depending on whether the borrower +occupies the rental property as their principal residence. + +If the rental income relates to the borrower’s principal residence: + +• + +• + +The monthly qualifying rental income (as defined above) must be added to the borrower’s total monthly income. (The +income is not netted against the PITIA of the property.) +The full amount of the mortgage payment (PITIA) must be included in the borrower’s total monthly obligations when +calculating the debt-to-income ratio. + +If the rental income (or loss) relates to a property other than the borrower's principal residence: diff --git a/chunks/txt/8f1f868b40412e61d5264a6ff81a811c8715f007ec4a4059d9fec7f694fcf755.txt b/chunks/txt/8f1f868b40412e61d5264a6ff81a811c8715f007ec4a4059d9fec7f694fcf755.txt new file mode 100644 index 0000000000000000000000000000000000000000..f2ffe877a88f27c0dc6366f1490f456e8ec44e64 --- /dev/null +++ b/chunks/txt/8f1f868b40412e61d5264a6ff81a811c8715f007ec4a4059d9fec7f694fcf755.txt @@ -0,0 +1,80 @@ + + +ApplicationFee + + + + + + + + + + + +John Smith Appraisers Inc. + + + + + + + + +2110.00 + Buyer + false + + + + + + + + + + Other + LenderAffiliate + OriginationCharges + true + + + + + + PestInspectionFee + + + +UCD v2.0 Implementation Guide + +- 98 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 69. XML Snippet-Representative ucd:FeeItemType Line Item Data. + + + + + + + + + +Pests Co. + + + + + + + + +200.00 + Buyer + false diff --git a/chunks/txt/8f2d2dbd7d2cd33fb7a8745d3e8157fa52e557cb054850a869533a24fc1def64.txt b/chunks/txt/8f2d2dbd7d2cd33fb7a8745d3e8157fa52e557cb054850a869533a24fc1def64.txt new file mode 100644 index 0000000000000000000000000000000000000000..c0ab1cd732d450bd461a164923095df67f9b5314 --- /dev/null +++ b/chunks/txt/8f2d2dbd7d2cd33fb7a8745d3e8157fa52e557cb054850a869533a24fc1def64.txt @@ -0,0 +1,63 @@ +UAD Instruction - Refer to Appendix D Improvements Section +A value of 'Y' indicates central cooling, a value of 'N' indicates the box is not +checked. + +If field 1-164 (Attic Exists Indicator = 'N') is +indicated, then none of fields 1-165, 1-166, 1- +167, 1-168, 1-169, 1-170 (Attic Feature +Exists Indicator = 'Y' and values of Attic +Feature Type) may be indicated. +If field 1-164 (Attic Exists Indicator = 'N') is +indicated, then none of fields 1-165, 1-166, 1- +167, 1-168, 1-169, 1-170 (Attic Feature +Exists Indicator = 'Y' and values of Attic +Feature Type) may be indicated. +If field 1-164 (Attic Exists Indicator = 'N') is +indicated, then none of fields 1-165, 1-166, 1- +167, 1-168, 1-169, 1-170 (Attic Feature +Exists Indicator = 'Y' and values of Attic +Feature Type) may be indicated. +If field 1-164 (Attic Exists Indicator = 'N') is +indicated, then none of fields 1-165, 1-166, 1- +167, 1-168, 1-169, 1-170 (Attic Feature +Exists Indicator = 'Y' and values of Attic +Feature Type) may be indicated. +If field 1-164 (Attic Exists Indicator = 'N') is +indicated, then none of fields 1-165, 1-166, 1- +167, 1-168, 1-169, 1-170 (Attic Feature +Exists Indicator = 'Y' and values of Attic +Feature Type) may be indicated. +At least one of fields 1-171, 1-172, 1-173, 1- +174 (values of Heating Type) should be +indicated. If field 1-175 indicates 'None' then +fields 1-171, 1-172, 1-173 should not be +indicated. +At least one of fields 1-171, 1-172, 1-173, 1- +174 (values of Heating Type) should be +indicated. If field 1-175 indicates 'None' then +fields 1-171, 1-172, 1-173 should not be +indicated. +At least one of fields 1-171, 1-172, 1-173, 1- +174 (values of Heating Type) should be +indicated. If field 1-175 indicates 'None' then +fields 1-171, 1-172, 1-173 should not be +indicated. +At least one of fields 1-171, 1-172, 1-173, 1- +174 (values of Heating Type) should be +indicated. If field 1-175 indicates 'None' then +fields 1-171, 1-172, 1-173 should not be +indicated. +This field should be populated if and only if +fields 1-174 (Heating Type = 'Other') is +indicated. +This field should be populated if any of fields +1-171, 1-172, 1-173, 1-174 (values of Heating +Type) is indicated and 'None' is not populated +in field 1-175. +At least one of fields 1-177 (Cooling +Centralized Indicator = 'Y'), 1-178 (Cooling +Individual Indicator = 'Y'), 1-179 (Cooling +Other Indicator = 'Y') should be indicated. If +field 1-180 (Cooling Unit Description) +indicates 'None' then fields 1-177 and 1-178 +should not be indicated diff --git a/chunks/txt/8f4e74cd4044e18abbdc952f95324c36290c62686fe3c77b51b7952c0b0cd77f.txt b/chunks/txt/8f4e74cd4044e18abbdc952f95324c36290c62686fe3c77b51b7952c0b0cd77f.txt new file mode 100644 index 0000000000000000000000000000000000000000..ef7ae65f46b663d8fd721f25eac19dbccc73e8ba --- /dev/null +++ b/chunks/txt/8f4e74cd4044e18abbdc952f95324c36290c62686fe3c77b51b7952c0b0cd77f.txt @@ -0,0 +1,133 @@ +SUMMARY + +Opinion of Market Value + +$775,000 + +Market Value Condition + +As Is + +Effective Date of Appraisal +Assignment Reason +Borrower Name + +Current Owner of Public Record +Contract Price +Listing Status + +09/08/2019 +Purchase +Bob Borrower +Betty Borrower +Jane Doe +$765,000 +Pending + +Property Valuation Method +Appraiser Name + +Traditional Appraisal +Agatha Appraiser + +Property Description + +Construction Method +Attachment Type + +Planned Unit Development (PUD) +Condominium +Cooperative +Condop +Subject Site Owned in Common + +Site Built +Detached + +Overall Quality +Overall Condition + +Q4 +C4 + +Yes No +  +  +  +  +  + +Yes No +  + +This is where the Dwelling Front photo would display. + +Units Excluding ADUs +Accessory Dwelling Units +Property Rights Appraised + +1 +1 +Leasehold + +Is the highest and best use of the subject property as +improved (or as proposed per plans and specifications) +the present use? + +Zoning Compliance + +Legal + +Apparent Defects, Damages, Deficiencies Requiring Action + +None + +Appraisal Version #1Fannie Mae | Freddie Mac September 2024Appraiser Reference ID AA12345Client Reference ID AD43201AMC Reference ID ABC123Single Family Scenario 4 (SF4) + +Uniform Residential Appraisal Report + +Page 2 of 22 +Page 2 of 22 + +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 +  + +STET + +“lieu” l.c. + +Contact Information + +Client/Lender + +Company Name +Company Address + +Appraisal Management Company diff --git a/chunks/txt/8f5117dbbc713c6a628fbd688972457d6aad97fe7134b759b58e0cd4ca8efd17.txt b/chunks/txt/8f5117dbbc713c6a628fbd688972457d6aad97fe7134b759b58e0cd4ca8efd17.txt new file mode 100644 index 0000000000000000000000000000000000000000..518df9ba6ea3af18c3639dc0929a15f026eab425 --- /dev/null +++ b/chunks/txt/8f5117dbbc713c6a628fbd688972457d6aad97fe7134b759b58e0cd4ca8efd17.txt @@ -0,0 +1,30 @@ +Loans secured by existing manufactured homes are not eligible for purchase if the property has any of the +following: + +• +incomplete items, such as a partially completed addition or renovation; or +• defects, damages or deficiencies that affect soundness or structural integrity. + +The loan is not eligible for purchase until the necessary work is completed. + +Exception: + +Minor items that do not affect the ability to obtain an occupancy permit — such as landscaping, a +driveway, or a walkway – may be excluded, provided all requirements and warranties for new or proposed +construction are met, as outlined in SB4-1.2-05, Requirements for Verifying Completion and Postponed +Improvements. + +Manufactured homes that have an addition or have had a structural modification are eligible under certain +conditions. If the state in which the property is located requires inspection by a state agency to approve +modifications to the property, then the lender is required to confirm that the property has met the +requirement. However, if the state does not have this requirement, then the structural modification must +be inspected and deemed structurally sound by a third party who is regulated by the state and is qualified +to make the determination. In all cases, the satisfactory inspection report must be retained in the +mortgage loan file. + +MH Advantage Property Eligibility Requirements + +MH Advantage is manufactured housing that is built to meet construction, architectural design, and energy efficiency standards +that are more consistent with site-built homes. + +Examples of the physical characteristics for MH Advantage include diff --git a/chunks/txt/8f523d7feda85813ceb0e5939b1ae03455062b579ef0be862fa67bccef079268.txt b/chunks/txt/8f523d7feda85813ceb0e5939b1ae03455062b579ef0be862fa67bccef079268.txt new file mode 100644 index 0000000000000000000000000000000000000000..49ecd81df3b74d0750e7e5df12fb983471dc95c0 --- /dev/null +++ b/chunks/txt/8f523d7feda85813ceb0e5939b1ae03455062b579ef0be862fa67bccef079268.txt @@ -0,0 +1,7 @@ +Prior Sales and Transfer History Exhibits .................................................................................................................................................................................. 272 + +Prior Sales and Transfer History – Arcrole Relationships ......................................................................................................................................................... 272 + +Appendix B-1: URAR Implementation Guide v1.3 + +22 Sales Comparison Approach ............................................................................................................................................................................................................ 275 diff --git a/chunks/txt/8f582539dda2cb0e343f0b1d058f50394d25f836d887248c4a0ebf93b1318ed9.txt b/chunks/txt/8f582539dda2cb0e343f0b1d058f50394d25f836d887248c4a0ebf93b1318ed9.txt new file mode 100644 index 0000000000000000000000000000000000000000..f605c11a52031ef4702d53ae271a0ed378b044d8 --- /dev/null +++ b/chunks/txt/8f582539dda2cb0e343f0b1d058f50394d25f836d887248c4a0ebf93b1318ed9.txt @@ -0,0 +1,19 @@ +### Deed-in-Lieu + +Deed-in-Lieu is a foreclosure alternative where a borrower voluntarily transfers the ownership of the property to the owner of the mortgage in exchange for a release from the mortgage loan and payments. The borrower may be required to pay off the remaining mortgage balance if the value of the property is lower than the amount owed. A deed-in-lieu allows the borrower to transition out of the home without going through foreclosure. In some cases, borrowers may be eligible for relocation assistance. + +## Guiding Principles for Loss Mitigation + +On July 25, 2016 FHFA, the U.S. Department of the Treasury, and the U.S. Department of Housing and Urban Development (HUD) issued a joint white paper entitled, [Guiding Principles for the Future of Loss Mitigation: How the Lessons Learned from the Financial Crisis can Influence the Path Forward](https://www.treasury.gov/press-center/press-releases/Documents/guiding-principles-future-of-loss-mitigation.pdf). The white paper details five key principles for the future of loss mitigation. The key principles set forth in the white paper are: + +**Accessibility**: Providing a simple process for homeowners to seek assistance. + +**Affordability**: Providing modification terms that result in meaningful payment relief. + +**Sustainability**: Offering solutions that resolve the delinquency for the long-term. + +**Transparency**: Ensuring that the process is clear and understandable. + +**Accountability**: Ensuring that there is an appropriate level of oversight. + +In 2016, the Enterprises developed the Flex Modification, which is described above, with these key principles in mind. diff --git a/chunks/txt/8f5d5a29520b2ca3f6192406571ff2629475859ba6cca41101160b34479480d1.txt b/chunks/txt/8f5d5a29520b2ca3f6192406571ff2629475859ba6cca41101160b34479480d1.txt new file mode 100644 index 0000000000000000000000000000000000000000..5f6aff9134264c3016d8c067d82f0a2811d14520 --- /dev/null +++ b/chunks/txt/8f5d5a29520b2ca3f6192406571ff2629475859ba6cca41101160b34479480d1.txt @@ -0,0 +1,44 @@ +Note: For Desktop appraisals, when the effective date of the original desktop appraisal report is more than four months from the +date of the note and mortgage, a new appraisal report is required. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 63 of 166 + +UAD 3.6 Policy + +Multiple Appraisals of the Subject Property + +If the lender obtains more than one appraisal for a loan due to applicable law, regulation, lender policy, or otherwise, the lender +must + +adhere to a policy of selecting the most reliable appraisal rather than the appraisal that states the highest value, + +• +• document the reasons for relying on the appraisal, and +• + +submit the appraisal selected by the lender through the UCDP prior to the sale of the loan. + +These requirements also apply if the lender considers an appraisal to be deficient (see SB4-1.3-12, Appraisal Quality Matters). + +Use of an Appraisal for a Subsequent Transaction + +Fannie Mae will allow the use of an origination appraisal for a subsequent transaction if the following requirements are met: + +• +• + +• + +• + +The subsequent transaction may only be a limited cash-out refinance. +The effective date of the appraisal report must be within 12 months from the note date of the subsequent transaction. If +the appraisal report is greater than four months from the date of the note and mortgage, then a Restricted Appraisal +Update Report is required. See preceding section, Age of Appraisal and Restricted Appraisal Update Report Requirements, +above for details on completing an appraisal update. +The lender must ensure the property has not undergone any significant remodeling, renovation, or deterioration to the +extent that the improvement or deterioration of the property would materially affect the market value of the subject +property. +The borrower and the lender/client must be the same on the original and subsequent transaction. diff --git a/chunks/txt/8f74b542714aeae3b4414e2a514a3f952ba7d079317e2a38ae02bb4a6df129b8.txt b/chunks/txt/8f74b542714aeae3b4414e2a514a3f952ba7d079317e2a38ae02bb4a6df129b8.txt new file mode 100644 index 0000000000000000000000000000000000000000..67037bce1ee652d8211f453233102f680f8e4857 --- /dev/null +++ b/chunks/txt/8f74b542714aeae3b4414e2a514a3f952ba7d079317e2a38ae02bb4a6df129b8.txt @@ -0,0 +1,36 @@ +Note: The Completion Report must be completed by the original appraiser, if possible; if not, a substitute appraiser may +complete the report. The substitute appraiser must review the original appraisal report, and the lender must document in the +loan file the reason why the original appraiser was not used. + +Attestation Letters + +Fannie Mae also permits other completion alternative methods - attestation letters - to verify completion of construction, +alteration, or repairs in lieu of a Completion Report. + +Borrower/builder attestation letter: For new or proposed construction, a letter is permitted to confirm the property was +completed and constructed in conformity with the plans and specifications, amendments, and change orders. The +borrower/builder attestation letter must include (at a minimum) the following items: + +• borrower name, +• property address or legal description if the address is not available, + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 65 of 166 + +UAD 3.6 Policy + +• + +• +• + +certification language that the property was constructed in conformity with the plans and specifications including any +amendments or changes, +signatures and dates by the borrower(s) and builder, and +exterior and interior photos of the property (see SB4-1.2-01, Appraisal Reports and Exhibits). + +If a letter signed by both parties is not obtainable, then a Completion Report completed by the appraiser is required. + +Borrower attestation letter: A letter is permitted to confirm completion of certain alterations or repairs for existing +construction. The letter must include (at a minimum) the following: diff --git a/chunks/txt/8f76b7d578106932ea90b70b6f996e065e8aa0ceab2e05aac5f2f887ccc6bc9d.txt b/chunks/txt/8f76b7d578106932ea90b70b6f996e065e8aa0ceab2e05aac5f2f887ccc6bc9d.txt new file mode 100644 index 0000000000000000000000000000000000000000..f4c57aeec186a2e765d5bedba8dc16a07ca6c2f8 --- /dev/null +++ b/chunks/txt/8f76b7d578106932ea90b70b6f996e065e8aa0ceab2e05aac5f2f887ccc6bc9d.txt @@ -0,0 +1,16 @@ +29.041-29.042 + +29.050-29.051 + +Additional Certifications + +29.053, 29.062 + +4 + +Reflects the property’s current condition when the appraisal is +made "subject to" + +Note: Cannot add certifications that are contrary to the + +predefined certifications diff --git a/chunks/txt/8f7c5bdd83b6b93aecbd09a402f08d68db0a32557ec581713aebe4d7b8d2a52f.txt b/chunks/txt/8f7c5bdd83b6b93aecbd09a402f08d68db0a32557ec581713aebe4d7b8d2a52f.txt new file mode 100644 index 0000000000000000000000000000000000000000..d7b0b31f0159f9292f68d13129604af7dfce636c --- /dev/null +++ b/chunks/txt/8f7c5bdd83b6b93aecbd09a402f08d68db0a32557ec581713aebe4d7b8d2a52f.txt @@ -0,0 +1,94 @@ +Indicated Value by: Sales Comparison Approach $ 124 +126 + +Income Approach (if developed) $ 125 + +This appraisal is made “as is”, subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been +completed, subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or subject to +the following required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair: 131 + +129 + +127 + +130 + +128 + +Based on a visual inspection of the exterior areas of the subject property from at least the street, defined scope of work, statement of assumptions and limiting +conditions, and appraiser’s certification, my (our) opinion of the market value, as defined, of the real property that is the subject of this report is +$ 132 + +, which is the date of the exterior inspection and the effective date of this appraisal. + +, as of 133 + +Freddie Mac Form 466 March 2005 226 + +Page 3 of 6 + +Fannie Mae Form 1075 March 2005 + +S +A +L +E +S + +C +O +M +P +A +R +I +S +O +N + +A +P +P +R +O +A +C +H + +I +N +C +O +M +E + +R +E +C +O +N +C +I +L +I +A +T +I +O +N + +2 + +Exterior-Only Inspection Individual Condominium Unit Appraisal Report File # 3 4 4a + +This report form is designed to report an appraisal of a unit in a condominium project or a condominium unit in a planned +unit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a +cooperative project. + +This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value, +statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended +use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may +expand the scope of work to include any additional research or analysis necessary based on the complexity of this +appraisal assignment. Modifications or deletions to the certifications are also not permitted. However, additional +certifications that do not constitute material alterations to this appraisal report, such as those required by law or those +related to the appraiser’s continuing education or membership in an appraisal organization, are permitted. diff --git a/chunks/txt/8f828cd1e43d98e9fb284d3765fc0a9bf7bab3bb811c6ea26b9fb3982b83f985.txt b/chunks/txt/8f828cd1e43d98e9fb284d3765fc0a9bf7bab3bb811c6ea26b9fb3982b83f985.txt new file mode 100644 index 0000000000000000000000000000000000000000..36f945251ed4038ff2b25a0f8100e2df31663560 --- /dev/null +++ b/chunks/txt/8f828cd1e43d98e9fb284d3765fc0a9bf7bab3bb811c6ea26b9fb3982b83f985.txt @@ -0,0 +1,86 @@ +Table 8. UCD v2.0 Spec Excerpt for Subject Property Legal Description Data Requirements. + +UCD UID MISMO v3.3.0 Data Point Delivered Value + +Implementation Notes + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL +/COLLATERALS/COLLATERAL/SUBJECT_PROPERTY/ADDRESS + +1.011 + +PostalCode + +123456789 + +Valid US format options are either: NNNNN or +NNNNNNNNN (no dash). + +…/SUBJECT_PROPERTY/LEGAL_DESCRIPTIONS/LEGAL_DESCRIPTION/UNPARSED_LEGAL_DESCRIPTIONS/UNPA +RSED_LEGAL_DESCRIPTION + +1.012 + +UnparsedLegalDescription + +Lot 32, Block +123, Section 4 + +UnparsedLegalDescription is mutually exclusive +with AddressLineText. Always provide +AddressLineText if it is known. + +The subject property legal description data delivered in the XML file looks like this: + +Figure 10. XML File Snippet - Legal Description Data. + + +… + + + + + +
+ +123456789 + +
+ + + + + +UCD v2.0 Implementation Guide + +- 20 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 10. XML File Snippet - Legal Description Data. + + + +Lot 32, Block 123, Section 4 + + + + + + + + +… + + +2. PROPERTY VALUE DATA + +The data points required to convey the value of the property (appraisal, estimate or sales contract) depend on the + +following: diff --git a/chunks/txt/8f8378dbd187cc3ef0405780401ac26f63c720b8c5ac5707303afd85fa67ba77.txt b/chunks/txt/8f8378dbd187cc3ef0405780401ac26f63c720b8c5ac5707303afd85fa67ba77.txt new file mode 100644 index 0000000000000000000000000000000000000000..8cf96a2fb08d43ed116502a74de3ad7401c568f9 --- /dev/null +++ b/chunks/txt/8f8378dbd187cc3ef0405780401ac26f63c720b8c5ac5707303afd85fa67ba77.txt @@ -0,0 +1,45 @@ +- [News Releases](/news/news-release) + - [Speeches](/news/speech) + - [Statements](/news/statement) + - [Testimonies](/news/testimony) + - [Fact Sheets](/news/fact-sheet) + +#### Search & Filter + +Keyword + +Date Range From: + +To: + +Items per page 10 25 50 + +## Search & Filter + +Keyword + +Date Range From: + +To: + +Items per page 10 25 50 + +- Speech + +October 28, 2024 + +## [Prepared Remarks of FHFA Deputy Director Naa Awaa Tagoe at the 2024 Mortgage Bankers Association Annual Convention & Expo](/news/speech/prepared-remarks-of-fhfa-deputy-director-naa-awaa-tagoe-at-the-2024-mortgage-bankers-association) + +Good morning! Thank you, Bob Broeksmit and the MBA staff, for the opportunity to be here today. I’m also delighted that I get to share the stage with HUD Acting Secretary Todman. Director Thompson sends her regards and wishes she could have joined in person. This convention arrives as the nation... + - Speech + +October 16, 2023 + +## [Prepared Remarks of FHFA Director Sandra L. Thompson at the 2023 Mortgage Bankers Association Annual Convention & Expo](/news/speech/prepared-remarks-of-fhfa-director-sandra-l.-thompson-at-the-2023-mortgage-bankers-association-annual) + +​​​​​​Sandra L. Thompson, Director Federal Housing Finance Agency MBA KEYNOTE REMARKS AS PREPARED FOR DELIVERY Monday, October 16, 2023 Thank you for the opportunity to be here once again at MBA's Annual Convention. I always appreciate the chance to be with you all and to share the stage with such... + - Speech + +October 24, 2022 + +## [Prepared Remarks of Sandra L. Thompson, Director, FHFA, at the 2022 Mortgage Bankers Association Annual Convention](/news/speech/prepared-remarks-of-sandra-l.-thompson-director-fhfa-at-the-2022-mortgage-bankers-association-annual) diff --git a/chunks/txt/8f8ea381900e6f37d61d01576a2e07bdf753fa07f3c7fbf1405b03276bbf0034.txt b/chunks/txt/8f8ea381900e6f37d61d01576a2e07bdf753fa07f3c7fbf1405b03276bbf0034.txt new file mode 100644 index 0000000000000000000000000000000000000000..e3d423e7a13af0258c408bacff769a2187671b70 --- /dev/null +++ b/chunks/txt/8f8ea381900e6f37d61d01576a2e07bdf753fa07f3c7fbf1405b03276bbf0034.txt @@ -0,0 +1,107 @@ +Select the most applicable Dwelling Style that fits the description of the +home. + +Appendix F-1: URAR Reference Guide + +Page 94 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +08 Dwelling Exterior + +Dwelling Exterior: General Information + +Report +Field ID + +8.005 + +Report Label + +When to Include + +Front Door +Elevation + +Always required + +Allowable +Answers / Format + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Definition / Additional Guidance + +Ground Level (ground level or below) +Up to 1 foot +1-2 Ft. +2-3 Ft. +3-4 Ft. +4-5 Ft. +5-6 Ft. +6-7 Ft. +7-8 Ft. +8-9 Ft. +9-10 Ft. +10 or more feet + +The approximate elevation from grade to the bottom of the front door. +• +• +• +• +• +• +• +• +• +• +• +• +Note: +• + +• + +For properties with multiple units in a building, choose the answer for the +unit door with the lowest elevation from grade. +For high-rise, mid-rise, and low-rise buildings this reflects the front door +of the unit, not the building. Example: Choose 10 or more feet for a unit +on the third floor. + +Examples: +• +• +• + +If the elevation is exactly 2 feet, choose 1-2 Ft. +If the elevation is 2 feet, 1 inch, choose 2-3 Ft. +If the elevation is exactly 3 feet, choose 2-3 Ft. + +Allowable Answer + +Definition / Additional Guidance + +Structure Design (Choose one) + +High-rise + +Mid-rise + +Low-rise + +A multi-unit condominium or cooperative property with eight or more stories in the building. + +A multi-unit condominium or cooperative property with four to seven stories in the building. +Note: Do not select this answer for rowhouses or townhouses. + +A multi-unit condominium or cooperative property with one to three stories in the building. Sometimes referred to as a +“garden style” dwelling. +Note: Do not select this answer for rowhouses or townhouses. diff --git a/chunks/txt/8f91355fc0d43f2e0a39d21abc9a1870602b6130e440a00d6c9f049613de7eaf.txt b/chunks/txt/8f91355fc0d43f2e0a39d21abc9a1870602b6130e440a00d6c9f049613de7eaf.txt new file mode 100644 index 0000000000000000000000000000000000000000..ea9968caf97fb5ff028289263cfcd9c69a1a09a0 --- /dev/null +++ b/chunks/txt/8f91355fc0d43f2e0a39d21abc9a1870602b6130e440a00d6c9f049613de7eaf.txt @@ -0,0 +1,258 @@ +Property Current +Occupancy Type + +Specifies the property occupancy +status of a subject property. + +/VALUATION_RESPONSE/PROPERTY +[@_CurrentOccupancyType='TenantOccupied'] + +Enumerated UAD Requirement - Refer to Appendix D Subject Section + +Enumerated UAD Requirement - Refer to Appendix D Subject Section + +One and only one of fields 1-20, 1-21, 1-22 +(values of Property Current Occupancy Type) +must be indicated. +One and only one of fields 1-20, 1-21, 1-22 +(values of Property Current Occupancy Type) +must be indicated. + +CR + +CR + +CR + +CR + +CR + +CR + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 31 of 211 + +Document Version 1.4 + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +Sort ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +Xpath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality 1004/70 + +Data Field +Conditionality 1004 +Hybrid/70H + +Data Field +Conditionality 1004 +Desktop/70D + +22 + +SUBJECT + +Occupant +Vacant + +Property Current +Occupancy Type + +Specifies the property occupancy +status of a subject property. + +/VALUATION_RESPONSE/PROPERTY[@_C +urrentOccupancyType='Vacant'] + +15 + +Enumerated UAD Requirement - Refer to Appendix D Subject Section + +One and only one of fields 1-20, 1-21, 1-22 +(values of Property Current Occupancy Type) +must be indicated. + +CR + +CR + +CR + +23 + +24 + +25 + +26 + +27 + +28 + +29 + +30 + +31 + +32 + +33 + +34 + +35 + +36 + +37 + +38 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +25 + +26 + +27 + +28 + +29 + +30 + +31 + +32 + +33 + +34 + +35 + +36 + +37 diff --git a/chunks/txt/8fe0a3b986a94ffd2bfadf0d289d29f72b7de6c106b524010196fc33887946b9.txt b/chunks/txt/8fe0a3b986a94ffd2bfadf0d289d29f72b7de6c106b524010196fc33887946b9.txt new file mode 100644 index 0000000000000000000000000000000000000000..9ee9cb4c316e41987ae4421774478093cbaa5235 --- /dev/null +++ b/chunks/txt/8fe0a3b986a94ffd2bfadf0d289d29f72b7de6c106b524010196fc33887946b9.txt @@ -0,0 +1,41 @@ +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 102 of 166 + +UAD 3.6 Policy + +assignment results, then the income approach must be included. Appraisals that rely solely on the income approach as an +indicator of market value are not acceptable. + +When the income approach to value is used, the appraisal report must include the supporting comparable rental and sales data, +and the calculations used to determine the gross rent multiplier. A minimum of three rental comparables must be provided for +each of the subject units. Each rental comparable represents a unit and not necessarily the entire comparable property. If +applicable, a rental comparable unit can be compared to more than one subject property unit. If the appraiser has completed the +income approach, the lender must thoroughly review the information provided to confirm that the appraiser’s analysis and +comments for the income approach are consistent with comments mentioned elsewhere in the appraisal report. + +The lender must validate these approaches to value in the appraisal report and comply with SB4-1.1-04, Unacceptable Appraisal +Practices. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 103 of 166 + +UAD 3.6 Policy + +SB4-1.3-11, Valuation Analysis and Reconciliation (06/04/2025) + +Introduction + +This topic contains information on reviewing the valuation analysis and final reconciliation, including: + +• Overview +• Reconciliation + +Overview + +The Reconciliation section of the Uniform Residential Appraisal Report (URAR) enables an appraiser to develop and report, in a +concise format, an adequately supported opinion of market value based on the sales comparison, cost, and income approaches +to value, as applicable. If the appraiser believes that additional information needs to be provided because of the uniqueness of +the property or some other condition, they should provide additional supporting data in the Reconciliation of Market Value +commentary section of the URAR. diff --git a/chunks/txt/8ff4c0893293ff79111b2dc40ec95a5eea52168c11f071861c55e7ffcb3825e3.txt b/chunks/txt/8ff4c0893293ff79111b2dc40ec95a5eea52168c11f071861c55e7ffcb3825e3.txt new file mode 100644 index 0000000000000000000000000000000000000000..1bc666cda11a8f1f05bdaf7656a60add089bc431 --- /dev/null +++ b/chunks/txt/8ff4c0893293ff79111b2dc40ec95a5eea52168c11f071861c55e7ffcb3825e3.txt @@ -0,0 +1,111 @@ +Appraiser Performing the Subject Property Inspection. Provide one RELATIONSHIP container for each appraiser-related role (provided in the data set) +joining the INSPECTION container to the PARTY container. + +Appraiser + +Page 55 + +Unique ID + +2400.0277 +2400.0278 +2400.0279 +2400.0291 +2200.0130 + +Supervisory Appraiser + +Unique ID + +2400.0498 +2400.0499 +2400.0500 +2400.0509 +2200.0141 + +Parent Container + +RELATIONSHIP +RELATIONSHIP +RELATIONSHIP +INSPECTION +ROLE + +Parent Container + +RELATIONSHIP +RELATIONSHIP +RELATIONSHIP +INSPECTION +ROLE + +MISMO Attribute +Name +@xlink:arcrole +@xlink:from +@xlink:to +@xlink:label +@xlink:label + +MISMO Attribute +Name +@xlink:arcrole +@xlink:from +@xlink:to +@xlink:label +@xlink:label + +Supported Attribute Enumerations + +urn:fdc:mismo.org:2009:residential/INSPECTION_CompletedBy_ROLE +INSPECTION_n +ROLE_n +INSPECTION_n +ROLE_n + +Supported Attribute Enumerations + +urn:fdc:mismo.org:2009:residential/INSPECTION_CompletedBy_ROLE +INSPECTION_n +ROLE_n +INSPECTION_n +ROLE_n + +In this example, an appraiser and a supervisory appraiser are represented in the XML and displayed on the report. (Figure Arcrole - 1) + +Arcrole - 1 + +Page 56 + +Provide the relationship that joins the SIGNATORY container to the PARTY container representing the appraiser or supervisory appraiser. One +RELATIONSHIP container is required for each PARTY that has signed the valuation report. + +Page 57 + +Appraiser + +Unique ID + +2200.0048 +2200.0049 +2200.0050 +2200.0071 +2200.0130 + +Supervisory Appraiser + +Parent Container + +RELATIONSHIP +RELATIONSHIP +RELATIONSHIP +SIGNATORY +ROLE + +MISMO Attribute +Name +@xlink:arcrole +@xlink:from +@xlink:to +@xlink:label +@xlink:label diff --git a/chunks/txt/902f5887fe9ca6ef43e49da00beb5df68319436a7516d79ae659d6310e6242f2.txt b/chunks/txt/902f5887fe9ca6ef43e49da00beb5df68319436a7516d79ae659d6310e6242f2.txt new file mode 100644 index 0000000000000000000000000000000000000000..02f4c42141e502d94a1010623eb13935cbc96d3e --- /dev/null +++ b/chunks/txt/902f5887fe9ca6ef43e49da00beb5df68319436a7516d79ae659d6310e6242f2.txt @@ -0,0 +1,5 @@ +Manufactured Home Exhibits................................................................................................................................................................................................... 174 + +10 Unit Interior – [Outbuilding Type] – [Structure Identifier] – [Unit Identifier] ................................................................................................................................... 176 + +Overview ................................................................................................................................................................................................................................................ 176 diff --git a/chunks/txt/904a2eb0b437ac0e15c5b1a6a4cb496751fb2ddd49b7480e9da8f833afa89f57.txt b/chunks/txt/904a2eb0b437ac0e15c5b1a6a4cb496751fb2ddd49b7480e9da8f833afa89f57.txt new file mode 100644 index 0000000000000000000000000000000000000000..e8478f54dc2be8121bcbf679767d1cf6ea399961 --- /dev/null +++ b/chunks/txt/904a2eb0b437ac0e15c5b1a6a4cb496751fb2ddd49b7480e9da8f833afa89f57.txt @@ -0,0 +1,38 @@ +5. If this appraisal report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are +defined in applicable federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this +appraisal report containing a copy or representation of my signature, the appraisal report shall be as effective, enforceable and +valid as if a paper version of this appraisal report were delivered containing my original hand written signature. + +APPRAISER + +SUPERVISORY APPRAISER (ONLY IF REQUIRED) + +Signature ______________________________________________ +Name 5 ______________________________________________ +Company Name 6_______________________________________ +Company Address 7 _____________________________________ + 8a, 8b, 8c ______________________________ +Telephone Number 9 ____________________________________ +Email Address 10________________________________________ +Date of Signature and Report 11 ____________________________ +Effective Date of Appraisal 12 ______________________________ +State Certification # 13____________________________________ +or State License #14 _____________________________________ +or Other 15_____________________________________________ +State 17 _______________________________________________ +Expiration Date of Certification or License 18 __________________ + +Signature___________________________________________ +Name 27 ___________________________________________ +Company Name 28 ___________________________________ +Company Address 29 _________________________________ + 30a, 30b, 30c ________________________ +Telephone Number 31_________________________________ +Email Address 32 ____________________________________ +Date of Signature 33 __________________________________ +State Certification # 34 ________________________________ +or State License # 35 _________________________________ +State 36____________________________________________ +Expiration Date of Certification or License 37_______________ +SUPERVISORY APPRAISER +SUBJECT PROPERTY diff --git a/chunks/txt/904fd00a05fa7f6b932ba73b63f6a17ab8aa5e207f4c62face81d7548561624a.txt b/chunks/txt/904fd00a05fa7f6b932ba73b63f6a17ab8aa5e207f4c62face81d7548561624a.txt new file mode 100644 index 0000000000000000000000000000000000000000..f06232659fa23a70137533853f4cbacb5d276d2e --- /dev/null +++ b/chunks/txt/904fd00a05fa7f6b932ba73b63f6a17ab8aa5e207f4c62face81d7548561624a.txt @@ -0,0 +1,22 @@ +If the subject loan includes subordinate financing closing simultaneously, set UCD Unique ID 16.015 gse:SubordinateFinancingIsNewIndicator = “true”. If the subordinate financing is used in the loan transaction include UCD Unique ID 10.291 TotalSubordinateFinancingAmount. + +Qualified Mortgages + +**36. The UCD contains several Ability-to-Repay (ATR) data points. Do these data points need to be included in the UCD XML file?** + +Yes. Even though some of this data is not on the CD, the GSEs require it to be submitted in the UCD XML file. + +**37. If a loan is considered exempt from Regulation Z’s ATR requirements, how should this be reflected in the UCD XML file?** + +The following data points and values should be included in the UCD XML file if the loan is exempt from Regulation Z’s ATR requirements: + +- Ability To Repay Method Type = “Exempt” +- Ability To Repay Exemption Reason Type = “PropertyUsage” for ATR exempt investment properties used for business purposes or “LoanProgram” for exempt Housing Finance Agency (HFA) loans +- Refer to [Fannie Mae’s Lender Letter LL-2021-11](/news-events/lender-letter-ll-2021-11-loan-eligibility-qualified-mortgage-rule) / [Freddie Mac’s Guide Bulletin 2021-19](https://sf.freddiemac.com/articles/news/guide-bulletin-2021-19-updates-related-to-the-pspa-and-the-revised-qm-rule) +**38. When should the data point gse:QualifiedMortgageShortResetARM_APRPercent be included in the UCD file?** + +gse:QualifiedMortgageShortResetARM_APRPercent is required for all ARMs with an adjustment within five years of the note date. + +XML File Technical Considerations + +**39. Do the GSEs validate that the submitted UCD XML file formation is correct?** diff --git a/chunks/txt/9062872c3c1402c4c9cc8c55de252c4f1658ab3a411792995c8d3c95b03a69dc.txt b/chunks/txt/9062872c3c1402c4c9cc8c55de252c4f1658ab3a411792995c8d3c95b03a69dc.txt new file mode 100644 index 0000000000000000000000000000000000000000..113dc8679f5c6718a06dfbf42a3fcaba0d4c131c --- /dev/null +++ b/chunks/txt/9062872c3c1402c4c9cc8c55de252c4f1658ab3a411792995c8d3c95b03a69dc.txt @@ -0,0 +1,67 @@ +The XYZ MLS indicated 10 of 34 (29.4%) of the closed sales in the market area between 09/15/2018 and 09/15/2019 contained seller +concessions. Concessions ranged between $1,000 and $25,000, and the median concession was $7,100. This level of concessions was +determined to have minimal impact on the marketability or sale prices for properties considered competitive to the subject. + +Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 15 of 23 + +Market (continued) + +Market Exhibits + +Absorption Rate + +Median Days on Market + +Price Trend + +This is where the Absorption Rate graph would display. + +This is where the Median Days on Market graph would display. + +This is where the Price Trend graph would display. + +Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 16 of 23 + +Subject Listing Information + +Current and/or relevant listings of the subject property (minimum 1 year look back) + +Listing Status +Pending + +Listing Type +MLS + +Listing ID +XYZ 0387300 + +Start Date +06/20/2019 + +End Date +09/08/2019 + +DOM +79 + +Total DOM 79 + +Starting +List Price +$825,000 + +Current or +Final List Price +$799,900 + +Analysis of Subject Property Listing History Subject was listed on June 20th, 2019 with list price of $825,000 and was listed for 40 days. On +July 31st, 2019 the price was reduced 3% to $799,900 and went under contract on 08/20/2019 for $770,000, which is 7% below the original list +price. diff --git a/chunks/txt/9063280f9f96d6f92bb7b5304801d481045451e304de77bc68133be17419e760.txt b/chunks/txt/9063280f9f96d6f92bb7b5304801d481045451e304de77bc68133be17419e760.txt new file mode 100644 index 0000000000000000000000000000000000000000..4fdf066fae6507993e9764719b273a05d263193a --- /dev/null +++ b/chunks/txt/9063280f9f96d6f92bb7b5304801d481045451e304de77bc68133be17419e760.txt @@ -0,0 +1 @@ +document.cookie="guest_id_marketing=v1%3A176945514131215508; Max-Age=63072000; Expires=Thu, 27 Jan 2028 17:47:50 GMT; Path=/; Domain=.x.com; Secure; SameSite=None";document.cookie="guest_id_ads=v1%3A176945514131215508; Max-Age=63072000; Expires=Thu, 27 Jan 2028 17:47:50 GMT; Path=/; Domain=.x.com; Secure; SameSite=None";document.cookie="personalization_id=\"v1_eyeg6lfPjDz0eMefQ/faiA==\"; Max-Age=63072000; Expires=Thu, 27 Jan 2028 17:47:50 GMT; 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The condo +association has systematically been moving +throughout the building and making repairs +as needed throughout all unit balconies. + +Subject Property Amenities Commentary + +Maintenance of exterior amenities is provided by the homeowners association. + +Subject Property Amenities Exhibits + +Apparent Defects, Damages, Deficiencies - Balcony + +This is where the Balcony Defect Photo would display. + +Overall Quality and Condition + +Overall Quality +Interior Quality + +Q4 +Q4 + +Overall Condition +Interior Condition + +C3 +C3 + +Reconciliation of Overall Quality and Condition + +The overall quality and condition of the subject building does not adversely affect the overall ratings provided. + +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 Kinross Avenue to the North; Malcolm Avenue to the East; Ohio Avenue to the South; The 405 to the West + +Search Criteria Description The market search was limited by the following factors: Properties that included between 1–2 full bathrooms, +2–3 bedrooms, that were built between 1960 and 1985 with a closing date between 09/18/2018 and 09/17/2019. diff --git a/chunks/txt/9079a6021d17fbfcf5d6f689d0ea7ea6c5f2f81c1c57f3a6ea7f59fa769df5af.txt b/chunks/txt/9079a6021d17fbfcf5d6f689d0ea7ea6c5f2f81c1c57f3a6ea7f59fa769df5af.txt new file mode 100644 index 0000000000000000000000000000000000000000..f725cf287ea20ab72a8d98e58ce2e4c3df8b2dae --- /dev/null +++ b/chunks/txt/9079a6021d17fbfcf5d6f689d0ea7ea6c5f2f81c1c57f3a6ea7f59fa769df5af.txt @@ -0,0 +1,30 @@ +Miscellaneous +Additional borrowers and credit reports may become available in the future. + +N O T E : Some of the above borrower names and Social Security numbers are also available in test credit +reports provided by one or more of our external credit information providers. The data in these test credit +reports may not match the test credit reports provided in the Fannie Mae Test Credit Agency; therefore, +underwriting results may differ if external test credit reports are used. + +Review the companion Test Credit Report Characteristics document, which lists specific credit data on each test +borrower, including: + + which borrowers have outstanding mortgages; + + the number of times each borrower was 30, 60, and 90 days delinquent; + + whether a borrower has frozen credit; + + which borrowers have public records (bankruptcy, foreclosure, tax liens, outstanding judgments, + +collections, and civil suits). + +For more information +If you have questions regarding the test credit reports, procedures, or the Test Credit Agency, contact Integration Support +at integration_support@fanniemae.com. + +© 2017 Fannie Mae. Trademarks of Fannie Mae. + +November 20, 2017 + +3 of 3 diff --git a/chunks/txt/908073c0ecb47d25ff892859ab499620b4938c24fbf978028df8b01003eb06c8.txt b/chunks/txt/908073c0ecb47d25ff892859ab499620b4938c24fbf978028df8b01003eb06c8.txt new file mode 100644 index 0000000000000000000000000000000000000000..f03546e76449a18c91defb060479e6a513318f00 --- /dev/null +++ b/chunks/txt/908073c0ecb47d25ff892859ab499620b4938c24fbf978028df8b01003eb06c8.txt @@ -0,0 +1,39 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +# Fannie Mae & Freddie Mac + +FHFA is responsible for ensuring that Fannie Mae and Freddie Mac operate in a safe and sound manner. This is done through prudential supervision and regulation. + +## Examination + +FHFA’s annual examination program assesses Fannie Mae's and Freddie Mac's financial safety and soundness and overall risk management practices. + +We utilize three approaches to achieve our supervisory responsibilities: diff --git a/chunks/txt/908fa384863b9d68ea82276210bd231c1712c5070cecc07d31626b8a6b67af82.txt b/chunks/txt/908fa384863b9d68ea82276210bd231c1712c5070cecc07d31626b8a6b67af82.txt new file mode 100644 index 0000000000000000000000000000000000000000..d3b4dcfc0c9e46844453d265ed8ecda211132538 --- /dev/null +++ b/chunks/txt/908fa384863b9d68ea82276210bd231c1712c5070cecc07d31626b8a6b67af82.txt @@ -0,0 +1,69 @@ +Special Feature Codes + +The following is a list of Fannie Mae’s published special feature codes (SFC) applicable to delivery of single-family +mortgage loans. Lenders should also review their Lender Contract, variances or special requirements to determine if +other SFCs are required at delivery. + +N O T E : Up to ten SFCs may be reported at delivery on an individual mortgage loan. Certain SFCs may be omitted +from the submission in Loan Delivery as they are automatically derived based on the delivered loan data. These +“auto-derived” SFCs are identified below. Refer to the Loan Delivery/ULDD Job Aid for additional information. + +Code + +001 + +Whole +Loan/MBS +Both + +003 + +Both + +007 + +Both + +009 + +Both + +013 + +Both + +014 + +Both + +019 + +Both + +033 + +Both + +Description/Definition + +Recourse +Used to identify any mortgage that has a type of recourse, unless a particular negotiated +contract specifies the use of a different SFC. +Cash-Out Refinance +Used to identify a cash-out refinance transaction as defined in the Fannie Mae Selling +Guide. +Delivery is optional – code is auto-derived + +Limited Cash-Out/No Cash-Out Refinance +Used to identify a limited cash-out refinance transaction as defined in the Fannie Mae +Selling Guide. +Delivery is optional – code is auto-derived +Moderate Interest Rate Buydown +Used to identify a mortgage that is subject to a temporary interest rate buydown that has +either a 2 percent or less difference between the actual note rate and the "bought down" rate +or a buydown period that is 2 years or less. +Relocation Mortgage +An owner-occupied purchase money loan, originated pursuant to an established employee +relocation program, administered by the employer (or its agent), where the employer +relocates employees as part of its normal course of business. This SFC is used to assign +prefixes RE, RI, and RX. diff --git a/chunks/txt/909c9d096b4c9e566d7be681f71cb032fbb53d9b67eeb1992046c1e70dc24bed.txt b/chunks/txt/909c9d096b4c9e566d7be681f71cb032fbb53d9b67eeb1992046c1e70dc24bed.txt new file mode 100644 index 0000000000000000000000000000000000000000..e8865408d2b0c6fd4e8e961b1076531ca6b7d635 --- /dev/null +++ b/chunks/txt/909c9d096b4c9e566d7be681f71cb032fbb53d9b67eeb1992046c1e70dc24bed.txt @@ -0,0 +1,59 @@ +This new data field identifies the type + +of property securing the loan acquired +by the Enterprises. HMDA reporting +requirements differentiate the single- +family property type data element as +single-family or manufactured housing. +The Enterprises have not previously +been required to distinguish between +single-family and manufactured housing +in their data reporting to FHFA. + +In response to FHFA’s request, Fannie + +Mae and Freddie Mac provided FHFA +with the requested single-family +property type data. Fannie Mae +commented that it collects and reports +manufactured housing data in a manner +different from that of HMDA reporters. +Specifically, Fannie Mae stated that the +HMDA definition of ‘‘manufactured +home’’ incorporates the definition used +by HUD and includes modular homes, +while Fannie Mae requires that + +manufactured housing be built on a +permanent chassis that is attached to a +permanent foundation. + +Subsequent discussions with Fannie + +Mae revealed that it distinguishes +between modular homes that are ‘‘on- +frame’’ (i.e., built on a permanent +chassis and ready for occupancy upon +leaving the factory but not subject to +HUD code standards) and ‘‘off-frame’’ +(i.e., housing that is not ready for +occupancy upon leaving the factory but +must be constructed on-site). Fannie +Mae indicated that it does not purchase +any loans relating to ‘‘on-frame’’ +modular homes. Accordingly, it appears +that the types of loans that Fannie Mae +purchases are secured by manufactured +homes that meet both the HMDA and +HUD code standards. + +Fannie Mae does purchase loans +secured by off-frame modular homes +that need to be constructed on-site. +However, these modular homes would +not qualify as ‘‘manufactured homes’’ +under either HMDA’s or HUD’s +standards since they are not ready for +occupancy upon leaving the factory. +These homes would be designated as +single-family homes. diff --git a/chunks/txt/90a20967af6791783abecc37c2a4ccb84ed6b60f892b7027dfa0dae738438589.txt b/chunks/txt/90a20967af6791783abecc37c2a4ccb84ed6b60f892b7027dfa0dae738438589.txt new file mode 100644 index 0000000000000000000000000000000000000000..19b4f832c697ae0ef6ff86c05cc060adf8f7562e --- /dev/null +++ b/chunks/txt/90a20967af6791783abecc37c2a4ccb84ed6b60f892b7027dfa0dae738438589.txt @@ -0,0 +1,3 @@ +Overview ................................................................................................................................................................................................................................................ 150 + +Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 151 diff --git a/chunks/txt/90c3c8d7a701f1dcbf9e8996dad1e46d5be0aaf9145049f51e331b122c0184c9.txt b/chunks/txt/90c3c8d7a701f1dcbf9e8996dad1e46d5be0aaf9145049f51e331b122c0184c9.txt new file mode 100644 index 0000000000000000000000000000000000000000..430bb3611fc771be72a534b9c79817e115e34043 --- /dev/null +++ b/chunks/txt/90c3c8d7a701f1dcbf9e8996dad1e46d5be0aaf9145049f51e331b122c0184c9.txt @@ -0,0 +1,33 @@ +5. The assignment information regarding the scope of inspection by the Supervisory Appraiser is correct. + +6. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser’s analyses, opinions, +statements, conclusions, and the appraiser’s certification. + +7. The appraiser identified in this appraisal report is either a subcontractor or an employee of the supervisory appraiser (or the appraisal firm), +is qualified to perform this appraisal, and is acceptable to perform this appraisal under the applicable law. + +8. This appraisal report complies with the Uniform Standards of Professional Appraisal Practice that were adopted and promulgated by the +Appraisal Standards Board of The Appraisal Foundation and that were in place at the time this appraisal report was transmitted. + +TXC-NP + +9. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable federal +and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation of +my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is +enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature. + +Additional Supervisory Appraiser Certifications + +H2 +TXC-I + +Additional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser Certifications. +1. + +TXC-NP + +H1 + +Signature + +TX-B diff --git a/chunks/txt/90cb1354c658ce2570baf1fd6a4313f469114dbfcac936fa35b8369d9a3f2b28.txt b/chunks/txt/90cb1354c658ce2570baf1fd6a4313f469114dbfcac936fa35b8369d9a3f2b28.txt new file mode 100644 index 0000000000000000000000000000000000000000..b7e2dfe68e76069870448f53830499ad3ae0488d --- /dev/null +++ b/chunks/txt/90cb1354c658ce2570baf1fd6a4313f469114dbfcac936fa35b8369d9a3f2b28.txt @@ -0,0 +1,47 @@ +1. + +Indicate when more than one selection/enumeration is supported. +Purpose: Informing appraisers when a field permits multiple selections allows them to provide all defined +values pertinent to the property thereby reducing subjectivity. + +For example, the DataSourceType has many valid values and multiple data sources may be indicated. + +In addition to the defined enumerated values, many of these fields have “Other” and “None” as options. + +• When “Other” is selected… + +o Prompt the user to provide a description. (Only the description displays on the report.) +o + +Indicate that the description may not overlap or duplicate a valid value. + +▪ Example: If “Other” is selected and either “PDR” or “Property Data Report” is +provided for the description, the appraiser should be prompted to use the +enumerated value of “Property Data Report.” + +• When “None” is Selected… + +o Disable additional valid values from being selected. + +Calculations + +2. Perform calculations (subtotals and totals). Allow users to override system calculations. + +Purpose: By having the calculations performed systematically, it helps to prevent simple math errors. + +The following are examples of where system calculations can be implemented. + +• Price per Square Foot +• Finished Area and Unfinished Area +• Above Grade and Below Grade Area + +Appendix B-1 URAR Implementation Guide - Supplement - Usability and Implementation Guidance v1.0 + +Page 4 + +Integration with Public Records and Other Industry Data Repositories + +3. + +Integrate to industry data sources and present that information as a data entry aid. +Purpose: Ease data entry for appraiser; confirm information is entered accurately. diff --git a/chunks/txt/90e01200df5fa1c3c03a6e480078668b43c81722086d84c849b5714dd982dd43.txt b/chunks/txt/90e01200df5fa1c3c03a6e480078668b43c81722086d84c849b5714dd982dd43.txt new file mode 100644 index 0000000000000000000000000000000000000000..43f4f7a467d1d37a0284b3548938d03c5e8c9888 --- /dev/null +++ b/chunks/txt/90e01200df5fa1c3c03a6e480078668b43c81722086d84c849b5714dd982dd43.txt @@ -0,0 +1,83 @@ +Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to +information in the completion report. + +The Completion Report sample scenario begins on the next page. +This cover section, including Introduction and Key Characteristics, + +is not part of the Completion Report. + +Completion Report + +Subject Property + +Physical Address + +County + +456 Something Rd +Somewhere, VA 12345 +Fabricated + +Page 1 of 3 +Page 1 of 3 + +This is where the Dwelling Front photo would display. + +Legal Description + +Unreal Farm S.1 PCL.300201121002432 F-594-7 BLA 3573702301420 Use agreement 71 + +Original Appraisal + +Effective Date of Appraisal +Opinion of Market Value +Market Value Condition + +09/08/2019 +$770,000 +Subject to Completion Per Plans + +Appraiser + +Reference ID +Original Lender + +Agatha Appraiser +AA12345 +Empty Bank + +Final Value Condition Statement This appraisal is made subject to completion per plans and specifications on the basis of a hypothetical +condition that the improvements have been completed. This might have affected the assignment results. + +Completion Status + +Is construction complete? +Was construction completed in a manner consistent with the original plans and +specifications? + +Yes No +  +  + +Feature +Exterior Barn Door + +Location +Exterior - north end and east side of +the barn. + +Comparison to Original +Plans/Specs +Similar + +Comment +Exterior sliding barn door is +inconsistent with location and size +(dimensions). Original plans called +for two exterior sliding doors, one +at 12' x 8' and one 20' x 8' (see plan +attached). The 12' x 8' door was +completed per plans. The 2nd door, +located on the side of the barn, +dimensions are 20' x 12' versus +20' x 8'. diff --git a/chunks/txt/910be5cb9f5b192f9ec085e34afd7136495d686a54717977e986476a0c01c599.txt b/chunks/txt/910be5cb9f5b192f9ec085e34afd7136495d686a54717977e986476a0c01c599.txt new file mode 100644 index 0000000000000000000000000000000000000000..5da2e9b2b89f4a7fa177f073eb0d7064e5c716e0 --- /dev/null +++ b/chunks/txt/910be5cb9f5b192f9ec085e34afd7136495d686a54717977e986476a0c01c599.txt @@ -0,0 +1,83 @@ +/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Ty +pe='AdverseSiteConditions' and @_ExistsIndicator='Y'] + +Property Analysis +Exists Indicator + +Indicates that the aspect of analysis is +present in the property. + +/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Ty +pe='AdverseSiteConditions' and @_ExistsIndicator='N'] + +1 + +1 + +Boolean + +Boolean + +Property Analysis +Comment + +A free-form text field that holds the +property analysis comments for the +analysis category specified by Property +Analysis Type. + +/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Ty +pe='AdverseSiteConditions']/@_Comment + +4000 + +String + +This field should describe adverse site conditions, etc. + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +134 + +1 + +128 + +IMPROVEMENTS + +Source(s) Used for Physical +Characteristics of Property +Appraisal Files + +Data Source Type + +Used to identify sources of data used in +the description and analysis of the +structure. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_D +ATA_SOURCE[@DataSourceType='PreviousAppraisalFile'] + +25 + +Enumerated + +One and only one of fields 1-117, 1-118 (values +of GSE Special Flood Hazard Area Indicator) +should be indicated. + +One and only one value of fields 1-117, 1-118 +(values of GSE Special Flood Hazard Area +Indicator) should be indicated. + +This field should be populated if a FEMA map +exists for the area. + +If field 1-119 (GSE NFIP Flood Zone Identifier) +has a value that does not equal 'None', this field +should be populated. + +If field 1-119 (GSE NFIP Flood Zone Identifier) +has a value that does not equal 'None', this field +should be populated. diff --git a/chunks/txt/911001507b31abc73f8b078929fb79e14e24495ece23a54de2119ffaaf27ab0d.txt b/chunks/txt/911001507b31abc73f8b078929fb79e14e24495ece23a54de2119ffaaf27ab0d.txt new file mode 100644 index 0000000000000000000000000000000000000000..a091aea9d348c03d320d023a628b565d1eff1ae9 --- /dev/null +++ b/chunks/txt/911001507b31abc73f8b078929fb79e14e24495ece23a54de2119ffaaf27ab0d.txt @@ -0,0 +1,93 @@ +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/P +RIOR_SALES/@DataSourceDescription + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='0']/P +RIOR_SALES/@DataSourceEffectiveDate + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N +’]/PRIOR_SALES/PRIOR_SALES_EXTENSIO +N/PRIOR_SALES_EXTENSION_SECTION[@ +ExtensionSectionOrganizationName +='UNIFORM APPRAISAL +DATASET']/PRIOR_SALES_EXTENSION_SE +CTION_DATA/PRIOR_SALE/@GSEPriorSale +Date + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/COMPARA +BLE_SALE[@PropertySequenceIdentifier='1..N' +]/PRIOR_SALES/@PropertySalesAmount + +Boolean + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +One and only one of fields 2-111, 2-112 +(values of Comparable Has Prior Sales +Indicator) must be indicated. + +150 + +String + +This field should indicate the data sources for the comparables' prior sale +history. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +CR + +T + +CR + +T + +CR + +T + +10 + +Date/Time + +Data Format: +yyyy-mm-dd + +This field is required if field 2-108 (Subject +Has Prior Sales Indicator = 'Y') is indicated. + +CR + +CR + +CR + +15 + +Money + +30 + +String + +PDF Display Format: +mm/dd/yyyy + +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 +This field must indicate the data source used for the prior sale/transfer of the +comparable. diff --git a/chunks/txt/9121b2876e8b8a0db79430b62d53f1db9752ddd888975d1443a3febef8708c8c.txt b/chunks/txt/9121b2876e8b8a0db79430b62d53f1db9752ddd888975d1443a3febef8708c8c.txt new file mode 100644 index 0000000000000000000000000000000000000000..0851768dbaf6d27be4523971dbf53cadf2f0aae4 --- /dev/null +++ b/chunks/txt/9121b2876e8b8a0db79430b62d53f1db9752ddd888975d1443a3febef8708c8c.txt @@ -0,0 +1,180 @@ +2 + +108 + +371 + +372 + +2 + +2 + +109 + +110 + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 67 of 211 + +Document Version 1.4 + +Form Field Label + +Data Point Name + +Data Point Definition + +Xpath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality 1004/70 + +Data Field +Conditionality 1004 +Hybrid/70H + +Data Field +Conditionality 1004 +Desktop/70D + +Comparable Has +Prior Sales Indicator + +Indicates whether the comparable +property has prior sales history. + +/VALUATION_RESPONSE/VALUATION_M +ETHODS/SALES_COMPARISON/RESEARC +H/COMPARABLE[@_HasPriorSalesIndicator=' +Y'] + +Boolean + +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +One and only one of fields 2-111, 2-112 +(values of Comparable Has Prior Sales +Indicator) must be indicated. + +CR + +CR + +CR + +Sort ID + +Form +Page + +Form +Reference +Number + +Form +Section + +373 + +2 + +111 + +374 + +375 + +2 + +2 + +112 + +113 + +376 + +2 + +114 + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +My research did reveal +any prior sales or +transfers of the +comparable sales for the +year prior to the date of +sale of the comparable +sale. +My research did not +reveal any prior sales or +transfers of the +comparable sales for the +year prior to the date of +sale of the comparable +sale. +Comparable Prior Sales +History +Data Source(s) + +Comparable Has +Prior Sales Indicator + +Indicates whether the comparable +property has prior sales history. diff --git a/chunks/txt/912424b412ee6b52a244300c6720af23d180a6bab405c0159f739b8347c96105.txt b/chunks/txt/912424b412ee6b52a244300c6720af23d180a6bab405c0159f739b8347c96105.txt new file mode 100644 index 0000000000000000000000000000000000000000..2e46cfd12b0fd2e15a112b60c7d5f292e538f73f --- /dev/null +++ b/chunks/txt/912424b412ee6b52a244300c6720af23d180a6bab405c0159f739b8347c96105.txt @@ -0,0 +1,102 @@ +GSE FEMA Special +Flood Hazard Area +Indicator + +Indicates whether any part of the subject +parcel is in a FEMA designated Flood +Zone. + +25 + +1 + +1 + +25 + +1 + +1 + +25 + +25 + +1 + +1 + +25 + +1 + +1 + +1 + +Format + +String + +Boolean + +Boolean + +String + +Boolean + +Boolean + +String + +String + +Boolean + +Boolean + +String + +Boolean + +Boolean + +Boolean + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +UAD Requirement - Refer to Appendix D Site Section +This field must indicate the source of gas service if present and not public. If no gas +service is present, enter 'None' in the description field. + +UAD Requirement - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the +box has not been checked. + +If no water service is present, enter 'None' in the description field. + +UAD Requirement - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the +box has not been checked. + +If no water service is present, enter 'None' in the description field. + +UAD Requirement - Refer to Appendix D Site Section +This field must indicate the water source if present and not public. If no water service +is present, enter 'None' in the description field. + +UAD Requirement - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the +box has not been checked. + +If no sanitary sewer service is present, enter 'None' in the description field. + +UAD Requirement - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the +box has not been checked. diff --git a/chunks/txt/913fef0958d6bd752a81937db767e40f3e8f945c6f61912abb09ce1c7a262278.txt b/chunks/txt/913fef0958d6bd752a81937db767e40f3e8f945c6f61912abb09ce1c7a262278.txt new file mode 100644 index 0000000000000000000000000000000000000000..3774e3d025c281b5b1fe5768040a49e71f6b73c1 --- /dev/null +++ b/chunks/txt/913fef0958d6bd752a81937db767e40f3e8f945c6f61912abb09ce1c7a262278.txt @@ -0,0 +1,110 @@ +Other (Describe) + +9.007 + +Have there been +any +modifications, +attachments or +additions that +have altered or +rely on the +original +structure for +support? + +Always required + +Yes | No + +Structural Modifications Exist: Indicates whether modifications, attachments, or +additions have been made that altered or rely upon the original dwelling for +support. + +Select No when the additions, such as an attached garage, were originally +designed for the structure. + +Reference published guidelines by the GSEs, government agencies, or other +identified secondary market participants for specific guidance. + +Appendix F-1: URAR Reference Guide + +Page 117 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +09 Manufactured Home + +Manufactured Home – Dwellings - General Information + +Report +Field ID + +Report Label + +When to Include + +9.008 Modification, + +Attachment, or +Addition + +Required if Structural +Modifications Exist is +Yes + +9.009 + +Description of +Modification, +Attachment, or +Addition + +Required if Structural +Modifications Exist is +Yes + +HUD Data Plate + +Definition / Additional Guidance + +Allowable +Answers / Format + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +• +• +• +• +• +• +• + +Carport +Deck +Garage +Living Area +Porch +Sunroom +Other (Describe) + +Free-form + +Detailed description of the modification, attachment, or addition that has +altered the manufactured home’s structure or relies on it for support. + +Note: If the HUD Data Plate is not available, indicate in Manufactured Home Commentary (9.026) the source of +the data provided. + +Manufactured Home – Dwellings – HUD Data Plate + +Report +Field ID diff --git a/chunks/txt/9148d52125d2e920e19824f874d4981b6e6289abdfb1504357b6638c784991c7.txt b/chunks/txt/9148d52125d2e920e19824f874d4981b6e6289abdfb1504357b6638c784991c7.txt new file mode 100644 index 0000000000000000000000000000000000000000..f09ce162f5c387c7fea621af22676b1cce7a583e --- /dev/null +++ b/chunks/txt/9148d52125d2e920e19824f874d4981b6e6289abdfb1504357b6638c784991c7.txt @@ -0,0 +1,173 @@ +Check #A + +TXR-B + +TXR-B + +CK1 + +CK1 + +Physical Address +Alternate Physical Address +County +Neighborhood Name + +Y/N + +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 + +TXR-B + +Construction Stage + +H1 + +Ownership Rights + +TXR-B +TXR-I +TXR-I +TXR-B +TXR-I +TXR-I +TXR-I + +Property Rights Appraised +Community Land Trust +Native American Lands + +Ground Rent Annual Amount + +Renewable +Term +Expires + +Yes No +  +  +  +  +  +  +  + +  + +All Rights Included in Appraisal + +TXR-B +TXR-I +TXR-B + +Rights Not Included +Mineral Rights Leased + +TXC-B1 + +Description of Rights Not Included + +TXC-B1 + +Description of Ground Rent and Impact to Value/Marketability + +H1 +TXC + +H1 +TXC + +H1 + +Legal Description + +Subject Property Commentary + +Subject Property Exhibits + +FTR-L + +FTR-R + +Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024 + +HDR-L + +TAB + +Site + +TXR-B +TXR-B + +Total Site Size +Dimensions + +2 COLUMN PAGE FORMAT + +HDR-R + +TXR-B +TXR-I +TXR-I + +Number of Parcels + +Contiguous +Elements Dividing Parcels + +TCH +TB + +TXR-B +TXR-I + +TXR-I + +TXC-B1 + +TXR-B +TXR-I + +TXR-I + +TXC-B1 + +Assessor Parcel Number (APN) + +APN Description + +Parcel Size + +TXR-B +TXR-I + +TXR-I + +Property Access +Primary Access +Street Type and Surface +Known Maintenance Agreement +Typical for Market + +TXC-B1 + +Description of Property Access + +Zoning + +Compliance +Classification Code +Classification Code Description +Reasons Illegal +Impact +Rebuildable to Current +Density/Use diff --git a/chunks/txt/914ee2bcca89f863be51654d0793e71dabc09e464304b0cd04d1a386a3494c16.txt b/chunks/txt/914ee2bcca89f863be51654d0793e71dabc09e464304b0cd04d1a386a3494c16.txt new file mode 100644 index 0000000000000000000000000000000000000000..f62e92a84c85e943d8079c1b5ed34060b6b8523e --- /dev/null +++ b/chunks/txt/914ee2bcca89f863be51654d0793e71dabc09e464304b0cd04d1a386a3494c16.txt @@ -0,0 +1,78 @@ +Borrower Race 3 +1 -- American Indian or Alaska Native +2 -- Asian +3 -- Black or African American +4 -- Native Hawaiian or Other Pacific Islander +5 -- White +6 -- Information not provided by borrower in mail, Internet, or telephone application + +Borrower Race 4 +1 -- American Indian or Alaska Native +2 -- Asian +3 -- Black or African American +4 -- Native Hawaiian or Other Pacific Islander +5 -- White +6 -- Information not provided by borrower in mail, Internet, or telephone application + +Borrower Race 5 +1 -- American Indian or Alaska Native +2 -- Asian +3 -- Black or African American +4 -- Native Hawaiian or Other Pacific Islander +5 -- White +6 -- Information not provided by borrower in mail, Internet, or telephone application + +Co-Borrower Ethnicity +1 -- Hispanic or Latino +2 -- Not Hispanic or Latino +3 -- Information not provided by borrower in mail, Internet, or telephone application +5 -- No Co-Borrower + +Co-Borrower Race 2 +1 -- American Indian or Alaska Native +2 -- Asian +3 -- Black or African American +4 -- Native Hawaiian or Other Pacific Islander +5 -- White +6 -- Information not provided by borrower in mail, Internet, or telephone application +8 -- No Co-borrower + +Co-Borrower Race 3 +1 -- American Indian or Alaska Native +2 -- Asian +3 -- Black or African American +4 -- Native Hawaiian or Other Pacific Islander +5 -- White +6 -- Information not provided by borrower in mail, Internet, or telephone application +8 -- No Co-borrower + +Page 4 of 5 + +Column +75 CoRace4 + +76 CoRace5 + +77 HOEPA + +78 LienStatus + +79 SpcHsgGoals + +80 FedFinStbltyPlan + +81 AcqTyp + +82 GSEREO + +AMA_PUDB_definitions_2016 + +Definition +Co-Borrower Race 4 +1 -- American Indian or Alaska Native +2 -- Asian +3 -- Black or African American +4 -- Native Hawaiian or Other Pacific Islander +5 -- White +6 -- Information not provided by borrower in mail, Internet, or telephone application +8 -- No Co-borrower diff --git a/chunks/txt/9159e5d424a22ebe6d594524efba3d1d6f4cd9b7535e1ab32302de511ebdc382.txt b/chunks/txt/9159e5d424a22ebe6d594524efba3d1d6f4cd9b7535e1ab32302de511ebdc382.txt new file mode 100644 index 0000000000000000000000000000000000000000..e90dbc33ca411dff491c11b2971bef62160148f6 --- /dev/null +++ b/chunks/txt/9159e5d424a22ebe6d594524efba3d1d6f4cd9b7535e1ab32302de511ebdc382.txt @@ -0,0 +1,66 @@ +Note: Cash-out refinance transactions are not eligible for single-closing construction-to-permanent mortgages. + +Calculating the LTV Ratio for Single-Closing Construction-to-Permanent Mortgages + +Single-closing construction-to-permanent mortgages are subject to the purchase and limited cash-out refinance maximum LTV, +CLTV, and HCLTV ratios (based on property type) provided in the Eligibility Matrix, as applicable. + +The LTV ratio calculation differs depending on whether the transaction is a purchase or a limited cash-out refinance, as shown in +the table below. + +Transaction Type + +Lot Ownership Requirement + +LTV Ratio Calculation + +Purchase + +The borrower is not the owner of record of +the lot at the time of the first advance of +interim construction financing. + +Divide the loan amount of the +construction-to-permanent financing by +the lesser of: + +• + +the purchase price (sum of the +cost of construction and the sales +price of the lot), or + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 168 of 166 + +UAD 3.6 Policy + +Transaction Type + +Lot Ownership Requirement + +LTV Ratio Calculation + +• + +the “as completed” appraised +value of the property (the lot and +improvements). + +The loan amount of a manufactured home +can include all allowable costs as listed +in Selling Guide B5-2-03, Manufactured +Housing Underwriting Requirements + +Limited Cash-out +Refinance + +The borrower is the owner of record of the +lot at the time of the first advance of +interim construction financing. + +Divide the loan amount of the +construction-to-permanent financing by +the “as completed” appraised value of the +property (the lot and improvements). diff --git a/chunks/txt/9164cdea2d1f5e2e5512ab2225b386917185885f5d9eeb08f2de37eb7df2c395.txt b/chunks/txt/9164cdea2d1f5e2e5512ab2225b386917185885f5d9eeb08f2de37eb7df2c395.txt new file mode 100644 index 0000000000000000000000000000000000000000..cad643195a156fb6286280dcf96bba5ca52502f5 --- /dev/null +++ b/chunks/txt/9164cdea2d1f5e2e5512ab2225b386917185885f5d9eeb08f2de37eb7df2c395.txt @@ -0,0 +1 @@ +[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/301&order=field_release_date&sort=asc) Report Attachment January 27, 2026 [U.S. House Price Index - January 2026](/reports/house-price-index/2026/1) [Read Report](/document/MonthlyHPI_January2026.pdf) December 30, 2025 [U.S. House Price Index - December 2025](/reports/house-price-index/2025/12) [Read Report](/document/MonthlyHPI_December2025.pdf) November 25, 2025 [U.S. House Price Index Report - 2025 Q3](/reports/house-price-index/2025/Q3) [Read Report](/document/fhfa-house-price-index-report-2025q3) October 28, 2025 [U.S. House Price Index - October 2025](/reports/house-price-index/2025/10) [Read Report](/document/FHFA-HPI-Monthly_10282025.pdf) September 30, 2025 [U.S. House Price Index - September 2025](/reports/house-price-index/2025/9) [Read Report](/document/FHFA-HPI-Monthly_09302025.pdf) August 26, 2025 [U.S. House Price Index Report - 2025 Q2](/reports/house-price-index/2025/2) [Read Report](/document/fhfa-house-price-index-report-2025q2) July 29, 2025 [U.S. House Price Index - July 2025](/reports/house-price-index/2025/7) [Read Report](/document/FHFA-HPI-Monthly_0729025.pdf) June 24, 2025 [U.S. House Price Index - June 2025](/reports/house-price-index/2025/6) [Read Report](/document/FHFA-HPI-Monthly_06242025.pdf) May 27, 2025 [U.S. House Price Index Report - 2025 Q1](/reports/house-price-index/2025/Q1) [Read Report](/document/fhfa-house-price-index-report-2025q1) April 29, 2025 [U.S. House Price Index - April 2025](/reports/house-price-index/2025/4) [Read Report](/document/fhfa-hpir-monthly-april-2025) March 25, 2025 [U.S. House Price Index - March 2025](/reports/house-price-index/2025/3) [Read Report](/document/fhfa-hpir-monthly-march-2025) February 25, 2025 [U.S. House Price Index Report - 2024Q4](/reports/house-price-index/2024/Q4) [Read Report](/document/FHFA-HPI-Quarterly_02252025.pdf) December 31, 2024 [U.S. House Price Index - December 2024](/reports/house-price-index/2024/12) [Read Report](/document/data/hpi/2024/12) November 26, 2024 [U.S. House Price Index Report - 2024Q3](/reports/house-price-index/2024/Q3) [Read Report](/document/fhfa-house-price-index-report-2024q3) October 29, 2024 [U.S. House Price Index - October 2024](/reports/house-price-index/2024/10) [Read Report](/document/fhfa-hpi-monthly-october-2024) September 24, 2024 [U.S. House Price Index - September 2024](/reports/house-price-index/2024/9) [Read Report](/document/fhfa-hpi-monthly-september-2024) August 27, 2024 [U.S. House Price Index Report - 2024Q2](/reports/house-price-index/2024/Q2) [Read Report](/document/fhfa-house-price-index-report-2024q2) July 30, 2024 [U.S. House Price Index - July 2024](/reports/house-price-index/2024/7) [Read Report](/document/fhfa-hpi-monthly-july-2024) June 25, 2024 [U.S. House Price Index - June 2024](/reports/house-price-index/2024/6) [Read Report](/document/fhfa-hpi-monthly-june-2024) May 28, 2024 [U.S. House Price Index Report - 2024Q1](/reports/house-price-index/2024/Q1) [Read Report](/document/fhfa-house-price-index-report-2024q1) April 30, 2024 [U.S. House Price Index - April 2024](/reports/house-price-index/2024/4) [Read Report](/document/fhfa-hpi-monthly-april-2024) March 26, 2024 [U.S. House Price Index - March 2024](/reports/house-price-index/2024/3) [Read Report](/document/fhfa-hpi-monthly-march-2024) February 27, 2024 [U.S. House Price Index Report - 2023Q4](/reports/house-price-index/2023/Q4) [Read Report](/media/52386) January 30, 2024 [U.S. House Price Index - January 2024](/reports/house-price-index/2024/1) [Read Report](/document/fhfa-hpi-monthly-january-2024) December 26, 2023 [U.S. House Price Index - December 2023](/reports/house-price-index/2023/12) [Read Report](/media/50876) diff --git a/chunks/txt/916d276fdf09387a516ceed8154bd3b55c4c1649ac6689ba58b19b3809b2e07a.txt b/chunks/txt/916d276fdf09387a516ceed8154bd3b55c4c1649ac6689ba58b19b3809b2e07a.txt new file mode 100644 index 0000000000000000000000000000000000000000..fdc259b5c5c09e489ff1b031d2a5f8b4674b3525 --- /dev/null +++ b/chunks/txt/916d276fdf09387a516ceed8154bd3b55c4c1649ac6689ba58b19b3809b2e07a.txt @@ -0,0 +1,25 @@ +2. See PARTI ES / PARTY and @ I DENTIFIER OWNER URI in Section V. + +FOR MORE I NFORMATI ON + +23.0 Reg §1026.38(r)and (r)-1, pp. 80128, 80360, 80049-80051. Cross reference to Reg §1026.37(k) pp. 80119, + +79974. + +23.1 Reg §1026.38(r)-2 pp. 80360; 38(r)(1) pp. 80128, 79975; §1026.37(k)(1) p. 80119. + +23.2 Reg §1026.38(r)-3 pp. 80360; 38(r)(2) p. 80128. + +23.3 Reg §1026.38(r)-4 pp. 80360, 80050; 38(r)(3) pp. 80128; §1026.37(k)-1 pp. 80347, 79975; §1026.37(k)(1) p. + +80119. + +23.4 Reg §1026.38(r)-5, 6 80360-1; 38(r)(3) p. 80128; §1026.37(k)-2 p. 80347, 79975; §1026.37(k)(1) p. 80119. + +23.5: Reg §1026.38(r)-2 pp. 80360; 38(r)(4) p. 80128; §1026.37(k)-3 p. 80347; §1026.37(k)(2) p. 80119. + +23.6: Reg §1026.38(r)-4 pp. 80360, 80050; 38(r)(5) p. 80128; §1026.37(k)(2) p. 80119. + +23.7: Reg §1026.38(r)-5, 6 80360-1; 38(r)(5) p. 80128. + +23.8: Reg §1026.38(r)-7 pp. 80361; 38(r)(6) p. 80128; §1026.37(k)-4 p. 80347; §1026.37(k)(3) p. 80119. diff --git a/chunks/txt/91726ae2aaeb0f31bf69b8a9eea5601948748b96f9d90c1dcafdf2e78e39147c.txt b/chunks/txt/91726ae2aaeb0f31bf69b8a9eea5601948748b96f9d90c1dcafdf2e78e39147c.txt new file mode 100644 index 0000000000000000000000000000000000000000..b7c3f15a1398cc1819e390a0dfae91aea3d0f65a --- /dev/null +++ b/chunks/txt/91726ae2aaeb0f31bf69b8a9eea5601948748b96f9d90c1dcafdf2e78e39147c.txt @@ -0,0 +1,32 @@ +Appendix 1. Protocol for Identifying Unique Final Appraisals in the UAD ............................................. 12 + +Federal Housing Finance Agency + +UAD PUF Version 2.1 Data Documentation + +1. Overview + +The Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF)—hereinafter referred to as +the UAD Appraisal-Level PUF—is a data file created for public users. Two types of the UAD Appraisal- +Level PUF are provided: + +1. The Enterprise UAD Appraisal-Level PUF is based on a five percent nationally representative + +random sample of appraisals for single-family mortgages acquired by the Enterprises. The current +release includes appraisals from 2013 through 2022. It contains selected information from the +single-family UAD. + +2. The FHA UAD Appraisal-Level PUF is based on a five percent nationally representative random +sample of appraisals for single-family mortgages insured by the Federal Housing Administration +(FHA). The current release includes appraisals from 2017 through 2022. It contains selected +information from the single-family UAD. + +The Federal Housing Finance Agency (FHFA) created the UAD Appraisal-Level PUF from the data +obtained from the Enterprises and the FHA to allow public users the flexibility to produce numerous +estimates of interest while reducing the likelihood that they could re-identify a borrower, property owner, +or appraiser. + +This document’s purpose is to provide users with background information on how FHFA created the +UAD Appraisal-Level PUF. It includes information about the universe of UAD appraisal records, the +subset of UAD appraisal records eligible to be included in the UAD Appraisal-Level PUF, disclosure +avoidance, sample design, geographic areas, file structure, and information quality. diff --git a/chunks/txt/91810ab4db1a5b610f36180bf58aee7685bfbc22d8a2659d5933a37842b59427.txt b/chunks/txt/91810ab4db1a5b610f36180bf58aee7685bfbc22d8a2659d5933a37842b59427.txt new file mode 100644 index 0000000000000000000000000000000000000000..121776e588a1ca4ebddf7f6503e9cff22c631ae7 --- /dev/null +++ b/chunks/txt/91810ab4db1a5b610f36180bf58aee7685bfbc22d8a2659d5933a37842b59427.txt @@ -0,0 +1,74 @@ +o Always displays + +• Agency Case File ID - AdditionalValuationIdentifier (UID: 2100.0013, FID: HF.006) + +o Displays when AdditionalValuationIdentifierType (UID: 2100.0014, FID: Not on report) = "GovernmentAgency" AND + +GovernmentAgencyAppraisalType = "FHA" OR "VA" + +• Client Reference ID - AdditionalValuationIdentifier (UID: 2100.0011, FID: HF.007) + +o Displays when AdditionalValuationIdentifierType (UID: 2100.0012, FID: Not on report) = "Client" AND Exists + +• AMC Reference ID - AdditionalValuationIdentifier (UID: 2100.0015, FID: HF.008) + +o Displays when AdditionalValuationIdentifierType (UID: 2100.0016, FID: Not on report) = "ManagementCompany” AND Exists + +Figure HF - 1 + +Page 9 + +See Appendix E: Report Style Guide for details displaying the footer. + +Note: Text can be included in the footer for vendor branding. However, the + +text must not overlap the predefined fields. + +01 Subject +Property + +The Subject Property section provides overall information including the address, legal description, and ownership rights of the property being +appraised. + +Page 10 + +The Subject Property section always displays. (Figure 1 - 1) + +Restricted Appraisal Update Report: Subject Property - General Information + +Report +Field ID + +Report Label + +Unique ID + +2900.0034 + +MISMO Data Point +Name +AddressLineText + +01.001 + +Physical Address + +2900.0035 + +AddressUnitIdentifier + +Display Rules + +Always displays +Display if exists +Note: For 2- to 4-unit properties, do not populate unit number in +Physical Address. Unit Identifier is included in the Unit Interior section. + +01.002 + +County + +2900.0036 +2900.0038 +2900.0039 +2900.0037 diff --git a/chunks/txt/918b0fddd6d3a5174ebe6b726b44bafb620c07655fbf5bb936260d2abf325d75.txt b/chunks/txt/918b0fddd6d3a5174ebe6b726b44bafb620c07655fbf5bb936260d2abf325d75.txt new file mode 100644 index 0000000000000000000000000000000000000000..fa3c23ce227960d2bad19fa5c5e53d7cb2e8a7a3 --- /dev/null +++ b/chunks/txt/918b0fddd6d3a5174ebe6b726b44bafb620c07655fbf5bb936260d2abf325d75.txt @@ -0,0 +1,4 @@ +Year: 2012 | Loan Number: 1 | FHLBankID: Boston | Program: 1 | FIPSStateCode: 06 | FIPSCountyCode: 001 | MSA: 41860 | FeatureID: 0001657902 | Tract: 4201 | MinPer: 38.68 | TraMedY: 129000 | LocMedY: 88024 | Tractrat: 1.4655 | Income: 150000 | CurAreY: 93500 | IncRat: 1.6043 | UPB: 440000 | LTV: 0.62 | MortDate: 2012 | AcquDate: 2012 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 360 | AmorTerm: 360 | FHFBID: 54126 | Seller: Darien Rowayton Bank | SellCity: Darien | SellSt: CT | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 5 | BoSex: 1 | CoSex: 2 | BoAge: 41 | CoAge: 38 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0425 | Amount: 440000 | Front: 0.2572 | Back: 0.2648 | Borrower Credit Score: 4 | Co-Borrower Credit Score: 5 | PMI: 0 | Self: 2 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 2 | Corace2: 6 | Corace3: 6 | Corace4: 6 | Corace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2 +Year: 2012 | Loan Number: 2 | FHLBankID: Boston | Program: 1 | FIPSStateCode: 06 | FIPSCountyCode: 001 | MSA: 41860 | FeatureID: 0000277566 | Tract: 4043 | MinPer: 26.29 | TraMedY: 230083 | LocMedY: 88024 | Tractrat: 2.6139 | Income: 281196 | CurAreY: 93500 | IncRat: 3.0074 | UPB: 606000 | LTV: 0.57 | MortDate: 2012 | AcquDate: 2012 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 360 | AmorTerm: 360 | FHFBID: 54126 | Seller: Darien Rowayton Bank | SellCity: Darien | SellSt: CT | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 5 | BoSex: 1 | CoSex: 1 | BoAge: 47 | CoAge: 50 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.04 | Amount: 606000 | Front: 0.184 | Back: 0.2583 | Borrower Credit Score: 5 | Co-Borrower Credit Score: 5 | PMI: 0 | Self: 2 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 3 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 3 | Corace2: 6 | Corace3: 6 | Corace4: 6 | Corace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2 +Year: 2012 | Loan Number: 3 | FHLBankID: Boston | Program: 1 | FIPSStateCode: 06 | FIPSCountyCode: 001 | MSA: 41860 | FeatureID: 0000277566 | Tract: 4051 | MinPer: 31.95 | TraMedY: 201296 | LocMedY: 88024 | Tractrat: 2.2868 | Income: 160476 | CurAreY: 93500 | IncRat: 1.7163 | UPB: 581000 | LTV: 0.51 | MortDate: 2012 | AcquDate: 2012 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 360 | AmorTerm: 360 | FHFBID: 54126 | Seller: Darien Rowayton Bank | SellCity: Darien | SellSt: CT | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 5 | BoSex: 1 | CoSex: 2 | BoAge: 46 | CoAge: 37 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0425 | Amount: 581000 | Front: 0.3075 | Back: 0.3291 | Borrower Credit Score: 5 | Co-Borrower Credit Score: 5 | PMI: 0 | Self: 1 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 2 | Corace2: 6 | Corace3: 6 | Corace4: 6 | Corace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2 +Year: 2012 | Loan Number: 4 | FHLBankID: Boston | Program: 1 | F diff --git a/chunks/txt/919d2493a06631388e9081bde7b6895e9bf7998bfdf94768e0af14e731498eb2.txt b/chunks/txt/919d2493a06631388e9081bde7b6895e9bf7998bfdf94768e0af14e731498eb2.txt new file mode 100644 index 0000000000000000000000000000000000000000..f18f57118e1edce61085997cfb0fc584f25dea6e --- /dev/null +++ b/chunks/txt/919d2493a06631388e9081bde7b6895e9bf7998bfdf94768e0af14e731498eb2.txt @@ -0,0 +1,135 @@ +Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +NEW PG! + +Assignment Information + +Assignment Reason +Borrower Name + +Current Owner of Public Record + +Refinance +James Borrower +Lauren Lightfoot +James Borrower +Lauren Lightfoot + +Property Valuation Method + +Hybrid Appraisal + +Was a Property Data Report used in lieu of an +Inspection? + +Appraiser Fee +AMC Fee + +$0 +$0 + +Page 2 of 22 +Page 2 of 22 + +Yes No +  + +Contact Information + +Client/Lender + +Company Name +Company Address + +Appraisal Management Company + +Company Name +Company Address + +Appraiser + +Name +Designation +Company Name +Company Address + +ABC Mortgage +88888 Idle Dr +Somewhere, MI 91300 + +Imperial AMC +456 Dorothy St +Anywhere, IA 23410 + +Bill Smith +SRA +Spartacus Appraisals +123 Main St +Nowhere, CA 90021 + +Scope of Inspection by Appraiser + +Subject Property Inspection + +Exterior +Interior + +No Inspection +No Inspection + +Property Data Report + +Name +Occupation +Company Name +Company Address + +Reference ID +Subject Property Inspection + +Exterior +Interior +Inspection Date + +Richard Real +Real Estate Agent +Richard’s Agency +789 East St +Nowhere, CA 90021 +PR32393510 + +Physical +Physical +09/06/2019 + +Assignment Information and Scope of Work Commentary + +Additional commentary can be added here, if needed by Appraiser. + +Subject Property + +Physical Address + +Alternate Physical Address + +County +Neighborhood Name + +201 Underhill Dr, Unit 202 +Nowhere, CA 90021 +201 Underhill Dr, Unit 2C +Nowhere, CA 90021 +Star Hills +Eastwood + +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 diff --git a/chunks/txt/95e86a131579c6766637656580a092393ca246121d53e5b55b309ec753bec218.txt b/chunks/txt/95e86a131579c6766637656580a092393ca246121d53e5b55b309ec753bec218.txt new file mode 100644 index 0000000000000000000000000000000000000000..31918f7f94aa9b59ff4686dd273ffdeb281362a5 --- /dev/null +++ b/chunks/txt/95e86a131579c6766637656580a092393ca246121d53e5b55b309ec753bec218.txt @@ -0,0 +1,58 @@ +There are 11 defined rows in Interior Quality and Condition. + +➢ +➢ +➢ +➢ + +2 rows are required (Always) +1 row is conditionally required (If Applicable) +8 rows may be provided (If Relevant) +Additional rows may be added + +Appendix B-1: URAR Implementation Guide v1.3 + +ADU Quality and Condition + +The ADU Interior Quality and Condition subsection displays on the sales comparison approach if the subject or any comparable(s) have an +ADU. + +Page 290 + +There are 11 defined rows in ADU Interior Quality and Condition. + +➢ +➢ +➢ +➢ + +2 rows are required (Always) +1 row is conditionally required (If Applicable) +8 rows may be provided (If Relevant) +Additional rows may be added + +Overall Quality and Condition (Ratings: 1-6, 1 is highest) + +The Overall Quality and Condition subsection always displays in the Sales Comparison Approach section. It represents the reconciliation of +all the interior and exterior quality and condition information included in the sales comparison grid. + +Overall Quality and Condition is the fifth of six subsections that has adjustments at the row level. + +There are 2 defined rows in this subsection. + +2 rows are required (Always) + +➢ +➢ No rows are conditionally required (If Applicable) +➢ No additional rows may be provided + +Figure 22 - 16 + +Property Amenities + +The Property Amenities subsection displays only when relevant to the analysis in the Sales Comparison Approach. + +Appendix B-1: URAR Implementation Guide v1.3 + +The Property Amenities subsection displays on the sales comparison grid when relevant to analysis and conclusions. If no supporting rows +are selected, the subsection does not display. diff --git a/chunks/txt/95f40e7732943ec47ca70f3cb4a7f12fe2d5fd51027be06d04bb3b66cfd86346.txt b/chunks/txt/95f40e7732943ec47ca70f3cb4a7f12fe2d5fd51027be06d04bb3b66cfd86346.txt new file mode 100644 index 0000000000000000000000000000000000000000..e2733f4e89d0e65c3e1f3205cd2d637d8e1bbc16 --- /dev/null +++ b/chunks/txt/95f40e7732943ec47ca70f3cb4a7f12fe2d5fd51027be06d04bb3b66cfd86346.txt @@ -0,0 +1 @@ +var YUI_config={"fetchCSS":false,"modules":{"RightNowTreeView":"/euf/core/3.11/js/4.310/min/modules/ui/treeview.js","RightNowTreeViewDialog":"/euf/core/3.11/js/4.310/min/modules/ui/treeviewdialog.js","RightNowTreeViewDropdown":"/euf/core/3.11/js/4.310/min/modules/ui/treeviewdropdown.js"},"lang":["en-US","en-US"],"injected":true,"comboBase":"//freddiemac.widget.custhelp.com/ci/cache/yuiCombo/","groups":{"gallery-treeview":{"base":"/rnt/rnw/yui_3.18/gallery-treeview/","modules":{"gallery-treeview":{"path":"gallery-treeview-min.js"}}}}}; /* *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/960ee14082821f7b8c3bb067b5fe002b710ce54c1519d1928fee62202ee3e9a9.txt b/chunks/txt/960ee14082821f7b8c3bb067b5fe002b710ce54c1519d1928fee62202ee3e9a9.txt new file mode 100644 index 0000000000000000000000000000000000000000..6251f48c9901f896602f0a78775ae20d262ec9c2 --- /dev/null +++ b/chunks/txt/960ee14082821f7b8c3bb067b5fe002b710ce54c1519d1928fee62202ee3e9a9.txt @@ -0,0 +1,121 @@ +Allowable Values + C1 + C2 + C3 + C4 + C5 + C6 + +This data is referenced more than once on the form for the subject property, and must +be represented consistently. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +Specify Above Grade Rooms Only. + +PDF Display Format: +Whole numbers only. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +Specify Above Grade Bedrooms Only. + +PDF Display Format: +Whole numbers only. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +Specify Above Grade Bathrooms Only. + +PDF Display Format: +Full Bath Count.Half Bath Count +nn.nn + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +Specify Above Grade Gross Living Area Only. +Gross Living Area (GLA) must be reported in square feet. + +PDF Display Format: +5-digit maximum, whole numbers only. + +Numeric + +Numeric + +Numeric + +String + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +The appraisal report must indicate the square footage in whole numbers only, no +commas. If there is no basement, a value of zero (0) must be entered. + +Numeric + +PDF Display Format: +Square footage, numeric, to 5-digits: 12345 maximum. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +R + +R + +R + +R + +R + +R + +R + +R + +R + +R + +R + +R + +R + +R + +R + +R + +R + +R + +360 + +3 + +e-19 + +SALES +COMPARISON +APPROACH + +Basement & Finished +(line 1) + +(Basement Finish Square +Footage) + +GSE Below Grade +Finish Square Feet +Number + +The total finished area of the property +below grade. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_D +ETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@Ex +tensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM +PARISON_DETAIL/@GSEBelowGradeFinishSquareFeetNumber diff --git a/chunks/txt/9615fa1f876ef97e447488c82523c3d0030f64234d131e85874ec92e2132a5e1.txt b/chunks/txt/9615fa1f876ef97e447488c82523c3d0030f64234d131e85874ec92e2132a5e1.txt new file mode 100644 index 0000000000000000000000000000000000000000..e97b68c491c17c3e03740c831ebac9d7202e447b --- /dev/null +++ b/chunks/txt/9615fa1f876ef97e447488c82523c3d0030f64234d131e85874ec92e2132a5e1.txt @@ -0,0 +1,7 @@ +The DU Map Tab .................................................................................................................................. 9 + +Understanding Conditionality ............................................................................................................. 11 + +Government Loans .............................................................................................................................. 12 + +FHA Loans .......................................................................................................................................... 12 diff --git a/chunks/txt/961917cba09bc769defaf6ca52095a4057c2d3251148292d8fae61fd135f1e8f.txt b/chunks/txt/961917cba09bc769defaf6ca52095a4057c2d3251148292d8fae61fd135f1e8f.txt new file mode 100644 index 0000000000000000000000000000000000000000..07325cc676e62fe4eaeae91e9ee65c64409f8a43 --- /dev/null +++ b/chunks/txt/961917cba09bc769defaf6ca52095a4057c2d3251148292d8fae61fd135f1e8f.txt @@ -0,0 +1,31 @@ +21. I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. No one provided +significant real property appraisal assistance. + +22. I have not authorized anyone to make a change to any item in this appraisal report; therefore, any change made to this appraisal is +unauthorized and I will take no responsibility for it. + +Appraiser Reference ID LN1265431Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2) + +Uniform Residential Appraisal Report + +Page 22 of 22 + +Certifications (continued) + +23. I identified the lender/client in this appraisal report who is the individual, organization, or agent for the organization that ordered and will +receive this appraisal report. + +24. I am aware that any disclosure or distribution of this appraisal report or any of its contents by me or by the lender/client may be subject +to certain laws and regulations. Further, I am also subject to the provisions of the Uniform Standards of Professional Appraisal Practice that +pertain to disclosure or distribution by me. + +25. The lender/client may disclose or distribute this appraisal report to: the borrower; another lender at the request of the borrower; the +mortgagee or its successors and assigns; mortgage insurers; government sponsored enterprises; other secondary market participants; data +collection or reporting services; professional appraisal organizations; any department, agency, or instrumentality of the United States; and any +state, the District of Columbia, or other jurisdictions. Any of the foregoing persons or entities who receive this appraisal report may choose to +store, copy, reproduce, analyze, use and distribute the data in the appraisal report for internal or external purposes without having to obtain +the appraiser’s or supervisory appraiser’s (if applicable) consent. Consent must be obtained before this appraisal report may be disclosed or +distributed to any other party (including, but not limited to, the public through advertising, public relations, news, sales, or other media). A +person or entity who receives a copy of an appraisal report does not become an intended user, unless the appraiser identifies such person as +an intended user. The appraiser and supervisory appraiser (if applicable) shall have no liability for any use of this appraisal report not related to +the mortgage finance transaction and related activities for which this appraisal report was prepared. diff --git a/chunks/txt/96198e0b58bd924e7f34602bcd690a0c84b12696d37728ed56073c03dc3459b0.txt b/chunks/txt/96198e0b58bd924e7f34602bcd690a0c84b12696d37728ed56073c03dc3459b0.txt new file mode 100644 index 0000000000000000000000000000000000000000..243398d888bf85bbb4ca7a1102afe4542df950ce --- /dev/null +++ b/chunks/txt/96198e0b58bd924e7f34602bcd690a0c84b12696d37728ed56073c03dc3459b0.txt @@ -0,0 +1,206 @@ +$0 + +1,288 Sq. Ft. + +$0 + +1,456 Sq. Ft. + +Disaster Mitigation + +Impact Resistant Glass + +Impact Resistant +Glass + +None + +$5,000 + +Heating + +Unit(s) + +None + +None + +None + +Impact Resistant +Glass + +None + +Structure ID | Unit ID + +Building 1 | Unit 1 + +Building 1 | Unit 1 + +Building 1 | Unit 1 + +Building 1 | Unit 1 + +Bedrooms + +Baths - Full | Half + +Finished Area Above +Grade + +2 + +1 | 0 + +2 + +1 | 0 + +3 + +1 | 0 + +$0 + +2 + +1 | 0 + +864 Sq. Ft. + +864 Sq. Ft. + +612 Sq. Ft. + +$8,800 + +728 Sq. Ft. + +$4,750 + +Finished Area Below Grade + +0 Sq. Ft. + +0 Sq. Ft. + +0 Sq. Ft. + +0 Sq. Ft. + +Structure ID | Unit ID + +Building 2 | Unit 2 + +Building 2 | Unit 2 + +Building 2 | Unit 2 + +Building 1 | Unit 2 + +Bedrooms + +Baths - Full | Half + +Finished Area Above +Grade + +2 + +1 | 0 + +2 + +3 | 0 + +$(5,000) + +2 + +1 | 0 + +2 + +1 | 0 + +864 Sq. Ft. + +1,926 Sq. Ft. + +$(37,200) + +676 Sq. Ft. + +$6,600 + +728 Sq. Ft. + +$4,750 + +Finished Area Below Grade + +0 Sq. Ft. + +0 Sq. Ft. + +0 Sq. Ft. + +0 Sq. Ft. + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario + +Structure ID + +Quality + +Foundation + +Roof + +Condition + +Roof + +Windows + +Structure ID + +Quality + +Uniform Residential Appraisal Report + +Page 16 of 29 +Page 16 of 29 + +Sales Comparison Approach (continued) + +Property Address + +12345 Holiday Hwy +Surfside, HI 12345 + +13-222 N Trail Loop +Surfside, HI 12345 + +25-1837 Highmountain Pl +Surfside, HI 12345 + +22-1713 Broad Ave +Surfside, HI 12345 + +Subject Property + +Comparable #1 + +Comparable #2 + +Comparable #3 + +Quality and Condition (Ratings: 1-6, 1 is highest) + +Exterior Quality and Condition + +Exterior Walls and Trim + +Engineered Wood diff --git a/chunks/txt/961f0d3c9f9f9925e05035ed0d5b0fdd384e2b14d9a24704fc9d727509e7ffbd.txt b/chunks/txt/961f0d3c9f9f9925e05035ed0d5b0fdd384e2b14d9a24704fc9d727509e7ffbd.txt new file mode 100644 index 0000000000000000000000000000000000000000..717aeca8b398494151dcd8d408b2e41ed0036ee3 --- /dev/null +++ b/chunks/txt/961f0d3c9f9f9925e05035ed0d5b0fdd384e2b14d9a24704fc9d727509e7ffbd.txt @@ -0,0 +1,43 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +## Breadcrumb + +- [Home](/) + - [Policy](/policy) + - Credit Scores + +Policy + +# Credit Scores + +*Last updated: July 15, 2025* + +U.S. Federal Housing (Federal Housing Finance Agency, FHFA), along with Fannie Mae and Freddie Mac (the Enterprises), is committed to regularly assessing and modernizing the credit score models used by mortgage lenders and other stakeholders in the housing finance system. This process is governed by the 2018 enactment of the Economic Growth, Regulatory Relief and Consumer Protection Act (Section 310) and the Validation and Approval of Credit Score Models Rule (12 CFR Part 1254), and is consistent with FHFA’s commitment to accuracy in credit scoring, as well as the safety and soundness of the Enterprises. diff --git a/chunks/txt/962041f8b171a9a78b27c69e7e53f1e92698a569366e57c0aa3f4f311691bde9.txt b/chunks/txt/962041f8b171a9a78b27c69e7e53f1e92698a569366e57c0aa3f4f311691bde9.txt new file mode 100644 index 0000000000000000000000000000000000000000..9ddfc83622d424f6dd39c3c3d29bdaf85da972c7 --- /dev/null +++ b/chunks/txt/962041f8b171a9a78b27c69e7e53f1e92698a569366e57c0aa3f4f311691bde9.txt @@ -0,0 +1,12 @@ +59,118 followers + +10mo + +- [Report this post](/uas/login?fromSignIn=true&session_redirect=https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_ellipsis-menu-semaphore-sign-in-redirect&guestReportContentType=POST&_f=guest-reporting) + +U.S. house prices rose 0.2 percent in January, according to the FHFA seasonally adjusted monthly House Price Index (FHFA HPI®). House prices rose 4.8 percent from January 2024 to January 2025. The previously reported 0.4 percent price growth in December was revised upward to 0.5 percent. [https://lnkd.in/eu5jy_Td](https://lnkd.in/eu5jy_Td?trk=organization_guest_main-feed-card-text) + +- ![No alternative text description for this image]() + `` `` [![image]() ![image]() 21](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-reactions) `` `` `` `` `` `` `` [1 Comment](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_social-actions-comments) + +[Like](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_like-cta) [Comment](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_comment-cta) [Share](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_main-feed-card_share-cta) diff --git a/chunks/txt/9624b8be3684f91090be6846c8bb75c5b3fe8cdcd6c9614eeaea42f9a5e00775.txt b/chunks/txt/9624b8be3684f91090be6846c8bb75c5b3fe8cdcd6c9614eeaea42f9a5e00775.txt new file mode 100644 index 0000000000000000000000000000000000000000..82d37975eaf394511dabf381fae0f227b12d077f --- /dev/null +++ b/chunks/txt/9624b8be3684f91090be6846c8bb75c5b3fe8cdcd6c9614eeaea42f9a5e00775.txt @@ -0,0 +1,27 @@ +Project + +Club Membership is for the golf course and is required to live in this community. Dues are handled through the HOA fee. Membership requires the one time payment of $10,000 that is handled outside of this transaction. + +SubjectPropertyAmenities + +The subject amenities are typical for a home of this quality and from this market. If necessary, any differences have been addressed in the sales comparison grid. + +Sketch + +As represented in the area breakdown section, there is 1552 sq ft in the below grade area (walkout basement), of which 320 sq ft is a utility room that is not considered finished area even though the sketch might suggest that. The area breakdown section is correct and accurate. The sketch also represents 360 sq ft of a family room/bonus room above the garage that is noncontinuous with the rest of the home but has its own entrance and is finished and usable. + +ComparableRental + +Comparables 1 and 2 are from the subject's community, have the same influences and amenities, and are therefore given the most weight. + +SalesContract + +A review of a fully executed sales contract was completed by this appraiser. There was no indication of atypical terms or agreements. No noted concessions, gifts, or other types of assistance were indicated in the purchase contract. + +SubjectListing + +There were no known or noted issues with the subject's listing. Twenty six days on market appears to be in the typical acceptable range for the subject's market area. + +HighestAndBestUse + +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. diff --git a/chunks/txt/9628c2455a8e21124eb8a36b417fc9597931b5439ce9b6ce44915f98fe925e77.txt b/chunks/txt/9628c2455a8e21124eb8a36b417fc9597931b5439ce9b6ce44915f98fe925e77.txt new file mode 100644 index 0000000000000000000000000000000000000000..fb13d82d25c0165c753c65a6177f76c29b7c75b7 --- /dev/null +++ b/chunks/txt/9628c2455a8e21124eb8a36b417fc9597931b5439ce9b6ce44915f98fe925e77.txt @@ -0,0 +1,61 @@ +UCD v2.0 Implementation Guide + +- 126 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +4. LOAN PURPOSE + +The UCD v2.0 recognizes two valid loan purposes: + +a. Purchase: The borrower intends to use the proceeds of the mortgage loan to buy the subject property. + +b. Refinance: The borrower pays off an existing obligation already secured by the borrower’s dwelling and secures a +new loan to change the rate, term, or other loan features. The borrower may or may not receive cash from the +transaction. + +Figure 107. XML File LoanPurposeType and MortgageType Rendered on the CD. + +3.0 Loan Information + +3.2 Purpose Refinance + +3.4 Loan Type  Conventional  FHA  VA _______________ + +5. MORTGAGE TYPE + +UCD v2.0 matches ULDD’s allowable enumerations for MortgageType: “Conventional | FHA | PublicAndIndianHousing | +USDARuralDevelopment | VA”. If the loan is guaranteed or insured by USDA’s Department of Rural Development or HUD’s +Indian Housing, use the applicable MortgageType enumeration to support them: +Department of Public and +“USDARuralDevelopment | PublicAndIndianHousing”. Even though the CD provides a blank box and space for these mortgage +types, their corresponding enumerations are supported in UCD v2.0, so “Other” should not be used. + +Table 66. UCD v2.0 Spec Excerpt - LoanPurposeType and MortgageType Data Requirements. + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/ +LOANS/LOAN/TERMS_OF_LOAN + +UCD UID + +MISMO v3.3.0 Data Point + +Delivered Value + +Implementation Notes + +3.003 + +3.099 + +LoanPurposeType + +Refinance + +MortgageType + +Conventional diff --git a/chunks/txt/963ed18da280182fda85cc35ceb34ce53d802cdfa98ed7a7b1ea36fc9b2da564.txt b/chunks/txt/963ed18da280182fda85cc35ceb34ce53d802cdfa98ed7a7b1ea36fc9b2da564.txt new file mode 100644 index 0000000000000000000000000000000000000000..b09b7719040f920c90bc97cfae44bac217c01dce --- /dev/null +++ b/chunks/txt/963ed18da280182fda85cc35ceb34ce53d802cdfa98ed7a7b1ea36fc9b2da564.txt @@ -0,0 +1,120 @@ +Sale Price + +1.7 + +N/A + +…/SUBJECT_PROPER +TY/SALES_CONTRACT +S/SALES_CONTRACT/ +SALES_CONTRACT_D +ETAIL + +RealPropertyAmount 220000.00 + +ROF as “$220,000” + +PersonalPropertyIncl +udedIndicator + +true + +Not shown - +Indicates need for +applicable data +point(s) + +2. APPRAI SED PROP. VALU E / ESTI MATED PROP. VALUE (NON-SELLER TR ANSACTION) + +For transactions without a property seller, the disclosed data for 3.2 Purpose is either “Refinance” or “Home +Equity Loan.” The form field name for 1.7 must be labeled as either the Appraised Prop. Value (when the +valuation has been determined by a professional source), or Estimated Prop. Value (when the valuation is an +estimate of supplied by the borrower). The data for these use cases is shown in Table 17 and Table 18. + +Table 17. Appraised Prop. Value for Refinance Transaction + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +UID +0.041 + +N/A – GSE + +…/PROPERTY_VALUA +TION_DETAIL + +AppraisalIdentifier + +77777777 + +▪ Not shown— + +cross-UMDP loan +identification. +▪ Enter the Doc File +ID assigned by the +Uniform +Collateral Portal. + +Appendix E: UCD Implementation Guide + +Page 37 of 254 + +Version 1.4 + +Uniform Closing Dataset + +1.0 Closing Information + +Table 17. Appraised Prop. Value for Refinance Transaction + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +UID +0.043 + +N/A - GSE + +@IdentifierOwnerURI https://www.unifor + +mdataportal.com/VA +MAuthUtility/login.as +px + +Not shown - the +source of the +identifier + +1.7 + +Appraised Prop. +Value + +PropertyValuationA +mount + +240000.00 diff --git a/chunks/txt/96495cd48b3a4b8bb3cd07ccdc743b12db40b1a61f9c3a0b79d3d04768a67d7b.txt b/chunks/txt/96495cd48b3a4b8bb3cd07ccdc743b12db40b1a61f9c3a0b79d3d04768a67d7b.txt new file mode 100644 index 0000000000000000000000000000000000000000..158ae55a3f742f8fae3ce7d58feaa275d4beb445 --- /dev/null +++ b/chunks/txt/96495cd48b3a4b8bb3cd07ccdc743b12db40b1a61f9c3a0b79d3d04768a67d7b.txt @@ -0,0 +1,48 @@ + + + +false< + +/IntegratedDisclosureCashToCloseItemAmountChangedIndicator> + +-10000.00< + +/IntegratedDisclosureCashToCloseItemEstimatedAmount> + +-10000.00< + +/IntegratedDisclosureCashToCloseItemFinalAmount> + +Deposit + + + + +false< + +/IntegratedDisclosureCashToCloseItemAmountChangedIndicator> + +0.00< + +/IntegratedDisclosureCashToCloseItemEstimatedAmount> + +0.00 +FundsForBorrower + + + + +true< + +/IntegratedDisclosureCashToCloseItemAmountChangedIndicator> + +See Seller Credits in Section L< + +/IntegratedDisclosureCashToCloseItemChangeDescription> + +0.00< + +/IntegratedDisclosureCashToCloseItemEstimatedAmount> + +-2500.00 +SellerCredits diff --git a/chunks/txt/965e05aad144762fbacfe47564a4c056630dab175899b4cd0e69d15f5a4ec02b.txt b/chunks/txt/965e05aad144762fbacfe47564a4c056630dab175899b4cd0e69d15f5a4ec02b.txt new file mode 100644 index 0000000000000000000000000000000000000000..6e66487a281171f691948077e916a05bd6e38431 --- /dev/null +++ b/chunks/txt/965e05aad144762fbacfe47564a4c056630dab175899b4cd0e69d15f5a4ec02b.txt @@ -0,0 +1,109 @@ +Adjustable Interest Rate (AIR) Table + +20.0 + +Index + Margin + +Initial Interest Rate + +20.1 LIBOR + 2.5% + +20.2 4% + +Minimum/Maximum Interest Rate + +20.3 2.5% Min/12% Max + +Change Frequency + +First Change + +20.4 Beginning of 61st month + +Subsequent Change + +20.5 Every 36 month after first change + +Limits on Interest Rate Changes + +First Change + +Subsequent Change + +20.6 2% + +20.7 2% + +Figure 129. Adjustable Rate Mortgage + +1. LOAN TERMS TABLE ARM ENTRI ES + +As shown in the figure below, Row 4.2 of the Loan Terms table provides information about the ARM that is +presented again in the AIR Table. + +Loan Terms + +4.2 Interest Rate + +4.0 Rate + +4.2.1 4% + +Increase? + +Description + +4.2.2 YES + +4.2.3 +11) Adjusts every 3 ye ars starting in year 6 +12) Can go as high as 12% in year 15 +13) See AIR Table on page 4 for details + +Appendix E: UCD Implementation Guide + +Page 209 of 254 + +Version 1.4 + +Uniform Closing Dataset + +20.0 Adjustable Interest Rate (AIR) Table + +Figure 130. Row 4.2 for an ARM + +2. LOAN TERMS AND AI R TABLES FOR AR M LOAN + +Table 141 links the information provided in the Loan Terms and AIR Tables. Only those Form Field IDs that share +values across both tables are included. + +Table 141. Loan Terms and AIR Tables for ARM + +Loan Terms Table-Interest Rate (4.2) + +AIR Table (20.0) + +ID (bullet) +4.2.2 + +Form Field Name + +Interest Rate - Can this amount increase after +closing? YES + +ID +Form Field Name +20.0 Adjustable Interest Rate (AIR) Table + +(If 4.2.2 = YES must be included) + +N/A +Interest Rate 4% + +4.2.1 + +4.2.3 (2) Can go as high as 12% in year # + +N/A + +4.2.3 (1) Adjusts every # years starting in year 6 diff --git a/chunks/txt/965f5e33ce998f440998341dd71b9c1dd8932ea11c67c87bdd1fba819e2e95b3.txt b/chunks/txt/965f5e33ce998f440998341dd71b9c1dd8932ea11c67c87bdd1fba819e2e95b3.txt new file mode 100644 index 0000000000000000000000000000000000000000..20ce68f9a7de758c7d78727c19d20d97d185502a --- /dev/null +++ b/chunks/txt/965f5e33ce998f440998341dd71b9c1dd8932ea11c67c87bdd1fba819e2e95b3.txt @@ -0,0 +1,155 @@ +FullyUpdated + +Bath 2 + +\\Images\Condo1_BathFull2.jpg + +image/jpeg + +LevelOne + +Bathroom rarely used, shows nicely. + +NewOrLikeNew + +Tile shower and custom vanity. + +FullBathroom + +OneToFiveYears + +FullyUpdated + +\\Images\Condo1_Kitchen.jpg + +image/jpeg + +LevelOne + +Add comment if needed. + +NewOrLikeNew + +GE Monogram appliances and hardwood painted cabinets. + +Quality components + +Kitchen + +OneToFiveYears + +FullyUpdated + +\\Images\Condo1_LivingRoom.jpg + +image/jpeg + +LevelOne + +LivingRoom + +Midrise + +EightToNineFeet + +1 + +8 + +The structure's overall condition is adequately maintained, with several areas that have been updated. There were no noticeable areas of defects within the structure that required repairs at the time of inspection. + +Centralized + +NaturalGas + +ForcedWarmAir + +true + +5 + +PropertyPhoto + +2019-09-05T22:30:34Z + +\\Images\Condo1_SubjectFront.png + +25.165173 + +-51.328125 + +image/png + +FloorPlan + +\\Images\Condo1_Floorplan.jpg + +image/jpeg + +SalesComparableMap + +\\Images\Condo1_SalesCompMap.png + +image/png + +DwellingFront + +2019-09-05T22:30:34Z + +\\Images\Condo1_SubjectFront.png + +image/png + +PropertyAccess + +\\Images\Condo1_PropertyAccess.jpg + +image/jpeg + +MedianDaysOnMarketGraph + +\\Images\Condo1_MedianDaysOnMarket.png + +image/png + +PriceTrendGraph + +\\Images\Condo1_PriceTrends.png + +image/png + +DwellingRear + +\\Images\Condo1_SubjectRear.png + +image/png + +Indoor Pool + +ProjectAmenity + +\\Images\Condo1_Pool.jpg + +image/jpeg + +Spa + +ProjectAmenity + +\\Images\Condo1_Spa.jpg + +image/jpeg + +ProjectDeficiency + +\\Images\Condo1_ProjectDeficiency.jpg + +image/jpeg + +PropertyBoundaries + +\\Images\Condo1_PropBoundaries.png + +image/png + +NoInspection diff --git a/chunks/txt/968a725b71263aeb934e6b480cc70b359393fa468025222b840a435c04dd73e3.txt b/chunks/txt/968a725b71263aeb934e6b480cc70b359393fa468025222b840a435c04dd73e3.txt new file mode 100644 index 0000000000000000000000000000000000000000..31740029bcc321c26dd28da62d85d01b6970f1ba --- /dev/null +++ b/chunks/txt/968a725b71263aeb934e6b480cc70b359393fa468025222b840a435c04dd73e3.txt @@ -0,0 +1,13 @@ +### **Authorized verification report distributors** + +These companies have not entered into an agreement with Fannie Mae but have an agreement with one or more of the eligible report suppliers listed above. The report provider (not the distributor) sends the report data electronically to the DU validation service. + +### + +Income and Employment Verification Reports + +ACRAnet, Inc. Clear Choice Credit Corp. First American Mortgage Solutions Sarma Advanced Data Consolidated Information Services, Inc. Informative Research Service First Information Solutions Advantage Credit Bureau CoreLogic Information Searching Company SettlementOne Data, LLC Advantage Credit, Inc. Credit Data Solutions DBA Service 1st Information Services KCB Credit, LLC Strategic Information Resources Advantage Plus Credit Reporting, Inc. Credit Information Systems Lenders One Sharper Lending Alliance 2020 Credit Plus Lenderworks Truework American Reporting Company Credit Technologies, Inc. Merchants Credit Bureau, Inc. UnitedOne Avantus Corp. Credit Technology, Inc. (CTI) Meridian Link Universal Credit Services Birchwood Credit Services DataVerify MFI Credit Solutions Veri-Tax CBCInnovis EmpInfo NCS (National Credit-reporting System, Inc.) Xactus Certified Credit Reporting, Inc. Equifax One Source CIC Mortgage Credit, Inc. Experian Partners Credit & Verification Solutions CISCO Credit Factual Data Premium Credit Bureau + +Asset Verification Reports + +4506-Transcripts.com Credit Plus Mortgage Service Providers Accudata Credit Systems Credit Technologies, Inc. Network Credit Services Accurate Financial Data Facts, Inc. New Vista Solutions ACRAnet, Inc. Equifax Online Information Services Advanced Data Experian Partners Credit & Verification Solutions Advantage Credit, Inc. Expert Global Solutions, Inc. PointServ Advantage Plus Credit Reporting, Inc. First American Mortgage Solutions Precision Data Research Alliance 2020 Gooi Mortgage, Inc. Sarma American Reporting Company Informative Research SettlementOne Data, LLC Avantus Corp. LenderPrice SharperLending LLC BankVOD Lenderworks Strategic Information Resources BeSmartee LendSmart Sunrise Credit Services Birchwood Credit Services Merchants Credit Bureau, Inc. UnitedOne Certified Credit Reporting, Inc. MeridianLink, Inc. Universal Credit Services CIC Mortgage Credit, Inc. MFI Credit Solutions Veri-Tax CIS CISCO Credit Midwest Mortgage Credit Services Wolters Kluwer CoreLogic Mortgage Document Solutions Credit Information Systems Mortgage Hippo diff --git a/chunks/txt/9692bc84bc007585507aaf9d10f1139b9e282f0bf96aecb8ef6a953832dfdabf.txt b/chunks/txt/9692bc84bc007585507aaf9d10f1139b9e282f0bf96aecb8ef6a953832dfdabf.txt new file mode 100644 index 0000000000000000000000000000000000000000..42cf2723760c3d15f47a0e515231f9a5b1bab349 --- /dev/null +++ b/chunks/txt/9692bc84bc007585507aaf9d10f1139b9e282f0bf96aecb8ef6a953832dfdabf.txt @@ -0,0 +1,27 @@ +1. For Enterprise UAD, property appraisals conducted between January 1, 2013, and December 31, +2022 are included; appraisals conducted after December 31, 2022 are excluded for this release, +but FHFA intends to add them to the UAD Appraisal-Level PUF in the future. For FHA UAD, +appraisals conducted between January 1, 2017 and December 31, 2022 are included for this +release; appraisals conducted after December 31, 2022 are excluded.5 + +2. Appraisals for single-family properties appraised using Fannie Mae Form 1004 or Freddie Mac + +Form 70 are included. Appraisals for condominiums, manufactured homes, and small +multifamily rental properties as well as other appraisals are excluded. + +3. For Enterprise UAD, appraisals for mortgage loans acquired by the Enterprises are included. + +Appraisals for loans not acquired by the Enterprises—such as denied loans and loans funded by +other institutions—are excluded. For FHA UAD, appraisals for loans that are insured by FHA +are included. Appraisals submitted to FHA but not insured by FHA are excluded. + +4. Appraisal records with the purchase or refinance transaction type that is inconsistent with the + +mortgage purpose code of FHFA’s Enterprise mortgage acquisition data are excluded. Appraisal +records with the purchase or refinance transaction type that is inconsistent with the loan purpose +code in FHA’s loan-level mortgage data are excluded. + +5. For appraisals with purchase transaction type, only appraisals for arm’s length transactions are + +included. Appraisals for real estate owned (REO), short sale, and foreclosure purchase +transactions are excluded. diff --git a/chunks/txt/969851844f88b935bbee61d56a9e543c5c62b2589c3deffb2f2a04c76d9dba07.txt b/chunks/txt/969851844f88b935bbee61d56a9e543c5c62b2589c3deffb2f2a04c76d9dba07.txt new file mode 100644 index 0000000000000000000000000000000000000000..ebfcd55780a4f2670d1b87cbd2ac6d3324e60320 --- /dev/null +++ b/chunks/txt/969851844f88b935bbee61d56a9e543c5c62b2589c3deffb2f2a04c76d9dba07.txt @@ -0,0 +1,47 @@ +Ineligible Properties + +Fannie Mae does not purchase or securitize mortgages on + +vacant land or land development properties; + +• +• properties that are not readily accessible by roads that meet local standards; +• +• units in condo or co-op hotels (see Selling Guide B4-2.1-03, Ineligible Projects, for additional information); +• properties that are not secured by real estate such as, houseboats, boat slips, timeshares, and other forms of property + +agricultural properties, such as farms or ranches; + +that are not real estate (see Selling Guide B4-2.1-03, Ineligible Projects, for additional information); + +• boarding houses; +• bed and breakfast properties; or +• properties that are not suitable for year-round occupancy regardless of location. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 10 of 166 + +UAD 3.6 Policy + +Note: Group homes are not considered to be boarding houses. They are an eligible property type, including when leased to a +business entity for use as a group home. + +Loan-Level Price Adjustments + +A Loan-Level Price Adjustment (LLPA) applies to certain property types, including multiple-unit properties and units in an +attached condo project. These LLPAs are in addition to any other price adjustments that are otherwise applicable to the +particular transaction. For the current LLPAs, see the Loan-Level Price Adjustment (LLPA) Matrix. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 11 of 166 + +UAD 3.6 Policy + +SB2-3-02, Special Property Eligibility and Underwriting Considerations: +Factory-Built Housing (12/10/2025) + +Introduction + +This topic contains information on factory-built housing, including: diff --git a/chunks/txt/969b973eaa0fe95dfb565f9cda8f537b316ce963a3d73389cf73b35e01a839e8.txt b/chunks/txt/969b973eaa0fe95dfb565f9cda8f537b316ce963a3d73389cf73b35e01a839e8.txt new file mode 100644 index 0000000000000000000000000000000000000000..23e340444f31825e841afdc739f8913dd97ee0eb --- /dev/null +++ b/chunks/txt/969b973eaa0fe95dfb565f9cda8f537b316ce963a3d73389cf73b35e01a839e8.txt @@ -0,0 +1,159 @@ +Appendix F-1: URAR Reference Guide + +Page 260 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +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: ADU Interior Quality and Condition + +Always required + +C1 to C6 + +Unit Interior +• + +Interior Condition +Rating 10.035 + +No + +The Interior Condition Rating for the ADU provides support for the +Overall Condition Rating. Adjustments are made in the Overall Condition +Rating row. + +Report +Field ID + +22.10.09 +22.10.23 + +Report Label + +Condition + +When Unit is +an ADU is Yes +for the subject +or any +comparable + +22.10.10 +22.10.24 + +Kitchen + +If relevant + +Required when the +row is included in the +sales comparison grid + +22.10.11 +22.10.25 + +Overall +Bathrooms + +If relevant + +Required when the +row is included in the +sales comparison grid + +22.10.12 +22.10.26 + +Overall +Flooring + +If relevant + +Required when the +row is included in the +sales comparison grid + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +22.10.13 +22.10.27 + +Walls and +Ceiling + +If relevant + +Required when the +row is included in the +sales comparison grid + +Free-form + +Unit Interior +• + +Room Update +Status 10.038 (for +kitchen) + +Unit Interior +• + +Overall Update +Status for +Bathrooms 10.043 + +Unit Interior +• + +Overall Update +Status for Flooring +10.049 + +Walls and Ceiling +Condition Summary +does not populate from +Unit Interior; the +appraiser must enter +information for the +subject property diff --git a/chunks/txt/96a2f22657e4cbb3794c5bae4e7611175eb64581ff0cfb6ed36950723735d2c7.txt b/chunks/txt/96a2f22657e4cbb3794c5bae4e7611175eb64581ff0cfb6ed36950723735d2c7.txt new file mode 100644 index 0000000000000000000000000000000000000000..beb2568c7d392ed26f07a6bf638f63649049ec23 --- /dev/null +++ b/chunks/txt/96a2f22657e4cbb3794c5bae4e7611175eb64581ff0cfb6ed36950723735d2c7.txt @@ -0,0 +1,130 @@ +did not reveal any prior sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale. + +COMPARABLE SALE # 1 + +COMPARABLE SALE # 2 + +SUBJECT + +ITEM + +did + +Date of Prior Sale/Transfer +Price of Prior Sale/Transfer +Data Source(s) +Effective Date of Data Source(s) +Analysis of prior sale or transfer history of the subject property and comparable sales. + +Freddie Mac Form 465H April 2022 + +Page 2 of 6 + +Fannie Mae Form1073 Hybrid April 2022 + +Individual Condominium Unit Appraisal Report (Hybrid) + +File # + +. +There are comparable properties currently offered for sale in the subject neighborhood ranging in price from $ to $ +There are comparable sales in the subject neighborhood within the past twelve months ranging in sale price from $ to $ . + +FEATURE + +SUBJECT + +COMPARABLE SALE # 1 + +COMPARABLE SALE # 2 + +COMPARABLE SALE # 3 + +sq. ft. $ + +sq. ft. + +$ + +sq. ft. + +$ + +$ + +$ + +$ +sq. ft. + +DESCRIPTION + +DESCRIPTION + ++(-) $ Adjustment DESCRIPTION + ++(-) $ Adjustment DESCRIPTION + ++(-) $ Adjustment + +Address and +Unit # +Project Name and +Phase +Proximity to Subject +$ +Sale Price +Sale Price/Gross Liv. Area $ +Data Source(s) +Verification Source(s) +VALUE ADJUSTMENTS +Sale or Financing +Concessions +Date of Sale/Time +Location +Leasehold/Fee Simple +HOA Mo. Assessment +Common Elements +and Rec. Facilities +Floor Location +View +Design (Style) +Quality of Construction +Actual Age +Condition +Above Grade +Room Count +Gross Living Area +Basement & Finished +Rooms Below Grade +Functional Utility +Heating/Cooling +Energy Efficient Items +Garage/Carport +Porch/Patio/Deck + +S +A +L +E +S + +C +O +M +P +A +R +I +S +O +N + +A +P +P +R +O +A +C +H diff --git a/chunks/txt/96a7d9aee51dbd4d5f90cb393b7170c0b2ebe0c5a4c7aae01aa457d3f6b9f868.txt b/chunks/txt/96a7d9aee51dbd4d5f90cb393b7170c0b2ebe0c5a4c7aae01aa457d3f6b9f868.txt new file mode 100644 index 0000000000000000000000000000000000000000..d0200917df584040773e896f79011db7b49b2648 --- /dev/null +++ b/chunks/txt/96a7d9aee51dbd4d5f90cb393b7170c0b2ebe0c5a4c7aae01aa457d3f6b9f868.txt @@ -0,0 +1,62 @@ +Sequence Number + +1 + +arcrole="urn:fdc:mism +o.org:2009:residential +from +to + +ASSET_IsAssociatedW +ith_RO LE +ASSET_1 +BORROWER_1 + +Table 10. Relationships Container – Component Details + +The figure below (Figure 10) shows a basic example of how the xlink arcrole relationship linking an asset to +a borrower would look in the RELATIONSHIPS container. + +RELATIONSHIPS CONTAINER +Showing the RELATIONSHIP Using The Endpoints + +RELATIONSHIPS + RELATIONSHIP + Sequence Number = “1” + xlink:from = “ASSET_1” + xlink:to = “BORROWER_1” + xlink:arcrole = “ASSET_IsAssociatedWith_ROLE” + +Figure 10. Using Endpoints and an Arcrole To Define a Relationship + +RELAT IONSHIP BET WEEN A LIABILIT Y AND T HE ASSOCIAT ED BORROWER + +The following example provides details about the xlink arcrole relationship needed to define a data +relationship between a liability and the borrower associated with that liability. + +The figure below (Figure 11) shows an example of a liability that will be linked to the associated borrower +that is responsible for that liability. Note some liabilities will have multiple borrowers with relationships to + +Data Relationships Using Xlink and MISMO Arcroles + +Page 23 of 29 + +Version 1.1 + +___________ _ __ Uniform Loan Application Dataset (ULAD) Xlink Arcroles + +them indicating more than one borrower is responsible for that liability. + +LIABILITY And ROLE Containers Identifying Endpoints +Of Relationships + +LIABILITIES + LIABILITY + +Sequence Number = “1” + +xlink:label = “LIABILITY_1” + LIABILITY_DETAIL + LiabilityAccountIdentifier = 123456789 + LiabilityMonthlyPaymentAmount = 200 + LiabilityType = LeasePayment diff --git a/chunks/txt/96bd0ccaa40a890c22e26aebc24905780b2365bb98826af0f012cebe6d0fc837.txt b/chunks/txt/96bd0ccaa40a890c22e26aebc24905780b2365bb98826af0f012cebe6d0fc837.txt new file mode 100644 index 0000000000000000000000000000000000000000..a495287452ae691c8ba66eb6328ad8ea4dcd1a45 --- /dev/null +++ b/chunks/txt/96bd0ccaa40a890c22e26aebc24905780b2365bb98826af0f012cebe6d0fc837.txt @@ -0,0 +1,30 @@ +--- +title: "Public Use Database | FHFA" +source_url: "https://www.fhfa.gov/data/pudb" +date_accessed: "2026-01-27T18:10:30.239Z" +selector: "#main-content" +parent_folder: "APPRAISAL_DATASET" +capture_name: "Public_Use_Database___FHFA" +--- + +## Breadcrumb + +- [Home](/) + - [FHFA Data](/data) + - Public Use Database + +## Datasets + +## Public Use Database – Fannie Mae and Freddie Mac (Enterprises) + +### Introduction + +The Enterprise Public Use Database (PUDB) is released annually to meet FHFA’s requirement under 12 U.S.C. 4543 and 4546(d) to publicly disclose data about the Enterprises’ single-family and multifamily mortgage acquisitions. The datasets supply mortgage lenders, planners, researchers, policymakers, and housing advocates with information concerning the flow of mortgage credit in America’s neighborhoods. + +### Description + +**Single-Family**: The Enterprise PUDB single-family datasets include loan-level records that include data elements on the income, race, and sex of each borrower as well as the census tract location of the property, loan-to-value (LTV) ratio, age of mortgage note, and affordability of the mortgage. + +Beginning with data for mortgages acquired in 2018, FHFA ordered that the Enterprise PUDB be expanded to include additional data that is the same as the data definitions used by the regulations implementing the Home Mortgage Disclosure Act, as required by 12 U.S.C. 4543(a)(2) and 4546(d)(1). New since the 2018 PUDB are the inclusion of the borrower’s debt-to-income (DTI) ratio and detailed LTV ratio data at the census tract level. + +**Multifamily**: The Enterprise PUDB multifamily property-level datasets include information on the unpaid principal balance and type of seller/servicer from which the Enterprise acquired the mortgage. The multifamily unit-class files also include information on the number and affordability of the units in the property. diff --git a/chunks/txt/96d1fd8c6ffff6a43c7d0edeb72b14d768b86a419c7f3e54b56517f87d76d0ce.txt b/chunks/txt/96d1fd8c6ffff6a43c7d0edeb72b14d768b86a419c7f3e54b56517f87d76d0ce.txt new file mode 100644 index 0000000000000000000000000000000000000000..dd88e5b0ad48df844515daca59d13245639eeb71 --- /dev/null +++ b/chunks/txt/96d1fd8c6ffff6a43c7d0edeb72b14d768b86a419c7f3e54b56517f87d76d0ce.txt @@ -0,0 +1,325 @@ +Valuation Reconciliation Summary Comment** + +.VALUATION +.._RECONCILIATION +…_CONDITION_OF_APPRAISAL +Valuation Reconciliation Condition Of Appraisal Type** + +1004/70 + +1004 +Hybrid/ +70H + +1004 +Desktop/ +70D + +2055 + +1073/465 + +1073 +Hybrid/ +465H + +1073 +Desktop/ +465D + +1075/466 + +R + +R + +R + +R + +R + +R + +R + +R + +R/CR* + +R/CR* + +R/CR* + +R/CR* + +R/CR* + +R/CR* + +R/CR* + +R/CR* + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +T + +T + +T + +T + +R + +R + +T + +T + +T + +T + +T + +T + +R + +R + +T + +T + +T + +T + +T + +T + +R + +R + +T + +T + +T + +T + +T + +T + +R + +R + +T + +T + +T + +T + +T + +T + +R + +R + +T + +T + +T + +T + +T + +T + +R + +R + +T + +T + +T + +T + +T + +T + +R + +R + +T + +T + +T + +T + +T + +T + +R + +R + +T + +T + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +CR + +* - Refer to a specific usage in the appropriate Appendix B document to determine the requiredness. + +** - Full MISMO data point name provided. Refer to the appropriate Appendix B document or the schema file for the actual schema name. + +UAD Consolidated Schema Matrix +Appendix B: GSE Appraisal Forms Mapping + +Page 26 of 211 + +Document Version 1.4 + +MISMO Data Point Name + +N/A - Data point not used on the indicated Appraisal form. + +1004/70 + +1004 +Hybrid/ +70H + +1004 +Desktop/ +70D + +2055 + +1073/465 + +1073 +Hybrid/ +465H + +1073 +Desktop/ +465D + +1075/466 + +UAD Consolidated Schema Matrix +Appendix B: GSE Appraisal Forms Mapping + +Page 27 of 211 + +Document Version 1.4 + +1004 Hybrid/70H & 1004 Desktop/70D + +Appraisal Assignment Type + +Subject Property Data +Collection Method + +Subject Property Data +Collection Workforce + +Subject Property +Data Collection +Date + +Concatenated Values + +Use the type to drive the +applicable version of scope +of work/certs + +How did the appraiser +obtain information +about the subject +property? diff --git a/chunks/txt/96d2cf5ee66d7b7d17401c0b8824513158aaaeb106d39f5e988f62dac37e39d3.txt b/chunks/txt/96d2cf5ee66d7b7d17401c0b8824513158aaaeb106d39f5e988f62dac37e39d3.txt new file mode 100644 index 0000000000000000000000000000000000000000..960e72b349f1264af9472a9b7ce6f71add4a9482 --- /dev/null +++ b/chunks/txt/96d2cf5ee66d7b7d17401c0b8824513158aaaeb106d39f5e988f62dac37e39d3.txt @@ -0,0 +1,55 @@ +Uniform Appraisal Dataset (UAD) Specification +Issued by Fannie Mae and Freddie Mac +Appendix D‐2: Appraisal Update Scenario (AU1) +Document Version 1.2 +September 17, 2024 + +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. +© 2024 Fannie Mae and Freddie Mac. Trademarks of the respective owners. + +Revision History + +Date + +Version #  Revision Description + +09/17/2024 + +12/12/2023 + +1.2 + +1.1 + +See Appendix D‐2: Restricted Appraisal Update Report ‐ Sample Scenario +Matrix for complete list of updates. +See Appendix D‐2: Restricted Appraisal Update Report ‐ Sample Scenario +Matrix for complete list of updates. + +03/29/2023 + +1.0 + +Initial Publication + +Introduction + +An appraisal update is a new assignment that requires the appraiser to review the market conditions +and certify that values have not decreased since the effective date of the original appraisal, which is +incorporated by reference. + +Key Characteristics + + Appraisal Update performed by another appraiser, not the original appraiser. + Appraisal Update performed via exterior inspection. + Appraisal Update performed 6 months after original appraisal with no decrease in value. + This is a Restricted Appraisal Update report; hence all supporting data and necessary documentation + +is contained in the appraiser’s work file. + +Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to +information in the appraisal update report. + +The Appraisal Update sample scenario begins on the next page. +This cover section, including Introduction and Key Characteristics, diff --git a/chunks/txt/96d3547ffbcec252f15651c65d1f6e5f7e7602d98d271cbebd429e22908266cc.txt b/chunks/txt/96d3547ffbcec252f15651c65d1f6e5f7e7602d98d271cbebd429e22908266cc.txt new file mode 100644 index 0000000000000000000000000000000000000000..8706da14dc122d516c2112b6e323d880d2966aad --- /dev/null +++ b/chunks/txt/96d3547ffbcec252f15651c65d1f6e5f7e7602d98d271cbebd429e22908266cc.txt @@ -0,0 +1,91 @@ +A map of the subject and land comparables should be included, which displays +in Site Exhibits with the caption “Map of Land Comparables”. An additional +caption may be provided to further identify the image. + +Reference published guidelines by the GSEs, government agencies, or other +identified secondary market participants for specific guidance. + +Site Commentary + +Site Commentary + +Report +Field ID + +4.116 + +Report Label + +When to Include + +Allowable +Answers / Format + +Site +Commentary + +If applicable + +Free-form + +Definition / Additional Guidance + +Commentary could include information pertinent to the Site section that is not +captured in the discrete data, or additional details to support the discrete data +that is provided. + +Appendix F-1: URAR Reference Guide + +Page 83 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Site Exhibits + +04 Site + +All photos or images related to the Site section are displayed in the Site Exhibits subsection. If there are no +photos or images, this subsection does not display. + +Site Exhibits + +Report Label + +When to Include + +Allowable +Answers / Format + +Site Exhibits + +If applicable + +Image + +Site Exhibits + +If applicable + +Photos or images + +Report +Field ID + +See +iGuide + +See +iGuide + +Definition / Additional Guidance + +An image of the property (site) boundaries, such as a Plat Map, may be +provided which displays in Site Exhibits with the caption “Property +Boundaries”. An additional caption to further identify the image may be +provided. + +Photos or images relevant to the Site section may be provided, which display in +Site Exhibits. If the photo or image is not specifically indicated above, provide a +caption to further identify the photo or image. diff --git a/chunks/txt/96d91580ba733e7eba8c28f0773e9f01a1f8224422c44ba94ef626798d29ff51.txt b/chunks/txt/96d91580ba733e7eba8c28f0773e9f01a1f8224422c44ba94ef626798d29ff51.txt new file mode 100644 index 0000000000000000000000000000000000000000..c0c069d99bc4b5a964e0f0ef8ad7efdf3451d184 --- /dev/null +++ b/chunks/txt/96d91580ba733e7eba8c28f0773e9f01a1f8224422c44ba94ef626798d29ff51.txt @@ -0,0 +1,149 @@ +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +First Instance of CASH_TO_CLOSE_ITEM + +10.1.3 Did this change? + +…/CASH_TO_CLOSE_I +TEM + +10.1.4 If yes… + +10.1.1 Loan Estimate + +10.1.2 Final + +10.1 Total Closing Costs (J) + +Represented as “YES” +on form + +true + +IntegratedDisclosure +CashToCloseItemAm +ountChangedIndicato +r + +IntegratedDisclosure +CashToCloseItemCha +ngeDescription + +See Total Loan Costs +(D) and Total Other +Costs (I) + +IntegratedDisclosure +CashToCloseItemEsti +matedAmount + +IntegratedDisclosure +CashToCloseItemFina +lAmount + +IntegratedDisclosure +CashToCloseItemTyp +e + +8054.00 + +ROF as “$8,054.00” + +9712.10 + +ROF as “$9,712.10” + +TotalClosingCosts + +ROF as “Total Closing +Costs (J)” + +Second Instance of CASH_TO_CLOSE_ITEM + +10.2.3 Did this change? + +…/CASH_TO_CLOSE_I +TEM + +IntegratedDisclosure +CashToCloseItemAm +ountChangedIndicato +r + +true + +ROF as “YES” + +10.2.4 If yes… + +10.2.1 Loan Estimate + +IntegratedDisclosure +CashToCloseItemCha +ngeDescription + +You paid these +Closing Costs before +closing + +IntegratedDisclosure +CashToCloseItemEsti +matedAmount + +0.00 + +ROF as “0” + +Appendix E: UCD Implementation Guide + +Page 151 of 254 + +Version 1.4 + +Uniform Closing Dataset + +10.0 Calculating Cash to Close + +Table 103. Calculating Cash to Close Table – Model Form and Split Disclosure – Borrower-Only + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute MISMO v3.3.0 Value + +Notes + +10.2.2 Final + +10.2 Closing Costs Paid + +Before Closing + +IntegratedDisclosure +CashToCloseItemFina +lAmount + +IntegratedDisclosure +CashToCloseItemTyp +e + +29.80 + +ROF as “-$29.80” diff --git a/chunks/txt/96dd1f92d9aebfa54316d2b221601a91faa906483b022156ea6b83bc4d9a824c.txt b/chunks/txt/96dd1f92d9aebfa54316d2b221601a91faa906483b022156ea6b83bc4d9a824c.txt new file mode 100644 index 0000000000000000000000000000000000000000..9bba644128ea451ee22b50350091091aaba09590 --- /dev/null +++ b/chunks/txt/96dd1f92d9aebfa54316d2b221601a91faa906483b022156ea6b83bc4d9a824c.txt @@ -0,0 +1,7 @@ +SIG-B – Signature below Rule ............................................................................................................................. 25 + +Y/N – Yes/No (sets above checkbox [CK] elements) ........................................................................................... 25 + +CK – Checkbox (full page width) ......................................................................................................................... 25 + +CK1 – Checkbox (one column) ............................................................................................................................ 25 diff --git a/chunks/txt/96e5c2e272a61b1988ee3453988707da7ad30dde176e53114edfe342ae4de4fe.txt b/chunks/txt/96e5c2e272a61b1988ee3453988707da7ad30dde176e53114edfe342ae4de4fe.txt new file mode 100644 index 0000000000000000000000000000000000000000..aea3116325c0daf77ea8eb348058911ee0e039d8 --- /dev/null +++ b/chunks/txt/96e5c2e272a61b1988ee3453988707da7ad30dde176e53114edfe342ae4de4fe.txt @@ -0,0 +1,166 @@ +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/RESEARCH/@ComparableSalesResearchedCount + +Comparable Sales Price Range Low + +Comparable Sales Price Range High + +Comparable Sales +Price Range Low +Amount +Comparable Sales +Price Range High +Amount + +Specifies the low sale value in the range +of values within the group of comparable +sales researched. +Specifies the high sale value in the range +of values within the group of comparable +sales researched. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/RESEARCH/@ComparableSalesPriceRangeLowAmount + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/RESEARCH/@ComparableSalesPriceRangeHighAmount + +SALES +COMPARISON +APPROACH + +Address and +(Line 1) + +Property Street +Address + +The unstructured (Unparsed) street +address of the subject property (e.g., 123 +Main Street). + +/VALUATION_RESPONSE/PROPERTY/@_StreetAddress + +15 + +15 + +5 + +15 + +15 + +42 + +Format + +Money + +Money + +Numeric + +Money + +Money + +String + +329 + +3 + +12a + +SALES +COMPARISON +APPROACH + +Unit # + +Unit Identifier + +The identification of the unit. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/_UNIT/@UnitIdentifier + +30 + +String + +330 + +3 + +12b + +SALES +COMPARISON +APPROACH + +Address +(Line 2) + +Property City + +The city in which the subject property is +located. + +/VALUATION_RESPONSE/PROPERTY/@_City + +331 + +3 + +12c + +SALES +COMPARISON +APPROACH + +Address +(Line 2) + +Property State + +The state in which the subject property is +located. + +/VALUATION_RESPONSE/PROPERTY/@_State + +332 + +333 + +334 + +335 + +336 + +3 + +3 + +3 + +3 + +3 + +12d + +SALES +COMPARISON +APPROACH + +Address +(Line 2) + +Property Postal +Code + +The postal code (zip code in the US) of +the subject property. Zip code may be +either 5 or 9 digits. diff --git a/chunks/txt/96eb01505b0ed02efbde4c1845be65ca0369f5f4fd10aa4aac5e3713e54d275b.txt b/chunks/txt/96eb01505b0ed02efbde4c1845be65ca0369f5f4fd10aa4aac5e3713e54d275b.txt new file mode 100644 index 0000000000000000000000000000000000000000..d6d286595e4ad65eda4b0ae7cb4c5efdeb8a6832 --- /dev/null +++ b/chunks/txt/96eb01505b0ed02efbde4c1845be65ca0369f5f4fd10aa4aac5e3713e54d275b.txt @@ -0,0 +1,52 @@ +DOE + +Rating +HERS + +Home Energy Score + +Financing Arrangement + +Score +65 + +7 + +Appraiser Reference ID AA12345Client Reference ID AB12345AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 3 (SF3) + +Uniform Residential Appraisal Report + +Page 5 of 23 + +Energy Efficient and Green Features (continued) + +Check #A + +Energy Efficient and Green Features Impact to Value/Marketability + +Impact to Value/Marketability + +Neutral + +Description The solar panels are leased and therefore not considered part of the real property. The lease is transferable when the subject is +sold, however there is no measurable impact on value or marketability as the decision to transfer the lease would be the personal preference +of any purchaser of the property. + +Energy Efficient and Green Features Commentary + +The Energy Efficiency Ratings and Certifications for the subject and comparables have been considered in the reconciliation and final opinion +of market value for the subject. The subject and comparable sales #1 - #3 have all undergone recent updates and remodels using more recent +energy efficient components and methods than when they were originally constructed. Analysis of the data available indicates there is no +measurable impact on market value. + +Energy Efficient and Green Features Exhibits + +RESNET Score + +DOE Score + +This is where the image of the Home Energy Score would display. + +Appraisal Version #1Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Single Family Scenario 3 (SF3) + +Uniform Residential Appraisal Report diff --git a/chunks/txt/96ed7002f92ba98c07fbc706962df5e2b1a25a67ea81451d64660c26eedc4c16.txt b/chunks/txt/96ed7002f92ba98c07fbc706962df5e2b1a25a67ea81451d64660c26eedc4c16.txt new file mode 100644 index 0000000000000000000000000000000000000000..b59f91248aedaf4f3cd73370b56e4f7ccb1842db --- /dev/null +++ b/chunks/txt/96ed7002f92ba98c07fbc706962df5e2b1a25a67ea81451d64660c26eedc4c16.txt @@ -0,0 +1,9 @@ +A direct result of the financial crisis was a steep rise in defaults and foreclosures of single-family mortgages, including those owned or guaranteed by the Enterprises. Mortgage insurers (MIs) and the Enterprises suffered significant losses as a result of these defaults and foreclosures. Because many MIs did not have sufficient capital to withstand the sharp downturn, Fannie Mae and Freddie Mac suffered losses when some MIs failed to fully pay their mortgage insurance claims. + +Historically, each Enterprise had its own set of eligibility requirements for MIs to obtain and maintain the status of "Approved Insurer" eligible to do business with that Enterprise. FHFA, in its role as Conservator of the Enterprises, directed Fannie Mae and Freddie Mac to revise and align their mortgage insurer eligibility requirements to ensure that approved MIs possess the financial and operational capacity to withstand a financial crisis or severe downturn going forward. This is a key Scorecard item for 2015. + +On July 10, 2014 the Federal Housing Finance Agency sought public on draft eligibility requirements for private mortgage insurers that provide mortgage insurance on loans acquired by Fannie Mae or Freddie Mac. The public input period lasted 60 days, and closed on September 8. To view documents related to the draft PMIERs and input received, click here​. + +On April 17, 2015, Fannie Mae and Freddie Mac published revised PMIERs on their websites. + +On June 30, 2015, Fannie Mae and Freddie Mac further revised the PMIERS to include financial requirements for loans with lender-paid mortgage insurance. diff --git a/chunks/txt/9702365ee68d0d7017474db9b46d4e4fae80a67ba6806af9e30d666e3b671d14.txt b/chunks/txt/9702365ee68d0d7017474db9b46d4e4fae80a67ba6806af9e30d666e3b671d14.txt new file mode 100644 index 0000000000000000000000000000000000000000..5d0af84a2bedb41f155a1bc2cbe422705cefd17f --- /dev/null +++ b/chunks/txt/9702365ee68d0d7017474db9b46d4e4fae80a67ba6806af9e30d666e3b671d14.txt @@ -0,0 +1,9 @@ +Report PDF _________________________________________________________________________________________________________________ 6 + +Restricted Appraisal Update Report Section Organization ................................................................................................................................................... 6 + +Header and Footer ___________________________________________________________________________________________________________ 7 + +Overview ................................................................................................................................................................................................................................ 7 + +Header .................................................................................................................................................................................................................................... 7 diff --git a/chunks/txt/97025aa234680c81e86c343f16e2a955b14d7714d3e38c10baae618fbe52fe83.txt b/chunks/txt/97025aa234680c81e86c343f16e2a955b14d7714d3e38c10baae618fbe52fe83.txt new file mode 100644 index 0000000000000000000000000000000000000000..62e14823dae173516f491757ce790023f8b1cbc4 --- /dev/null +++ b/chunks/txt/97025aa234680c81e86c343f16e2a955b14d7714d3e38c10baae618fbe52fe83.txt @@ -0,0 +1,113 @@ +1 + +1 + +Boolean + +Boolean + +UAD Requirement - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the +box has not been checked. + +If no electric service is present, enter 'None' in the description field. + +UAD Requirement - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that the +box has not been checked. + +If no electric service is present, enter 'None' in the description field. + +103 + +PROJECT SITE + +104 + +PROJECT SITE + +Utilities +Electricity +Other (describe) + +Site Utility Non +Public Description + +A free-form text field used to describe the +ownership of the utility specified by Site +Utility Type if it is a non-public utility. + +/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Electr +icity']/@_NonPublicDescription + +25 + +String + +UAD Requirement - Refer to Appendix D Site Section +This field must indicate the source of electric service if present and not public. If no +electric service is present, enter 'None' in the description field. + +96 + +97 + +98 + +101 + +102 + +103 + +104 + +105 + +106 + +107 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +109 + +110 + +1 + +1 + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 88 of 211 + +Document Version 1.4 + +One and only one of fields 1-92, 1-93, +1-96, 1-97 (values of Site Zoning +Compliance Type) should be indicated. +One and only one of fields 1-92, 1-93, +1-96, 1-97 (values of Site Zoning +Compliance Type) should be indicated. + +If field 1-93 (Site Zoning Compliance +Type = 'Nonconforming') is indicated, +then one and only one of fields 1-94 +and 1-95 (values of Site Zoning Permit +Rebuild To Current Density Indicator) +should be indicated. +. diff --git a/chunks/txt/97108fb4c5ef289ded79e2c37644698935e9095671eac93c2f0c5a0f1b462e69.txt b/chunks/txt/97108fb4c5ef289ded79e2c37644698935e9095671eac93c2f0c5a0f1b462e69.txt new file mode 100644 index 0000000000000000000000000000000000000000..b5c71420e58017b7271abbeefe5038a28dd4f6e9 --- /dev/null +++ b/chunks/txt/97108fb4c5ef289ded79e2c37644698935e9095671eac93c2f0c5a0f1b462e69.txt @@ -0,0 +1,61 @@ +Reporting Format: + +Page 31 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. + +Condition Rating – Appraiser must select one +value from the specified list. + +Indicator of Work Completed in Prior 15 Years +– ‘Yes’ or ‘No’ response + +Level of Work Completed for Kitchen(s) and +Bathroom(s) – Appraiser must select one +value from the specified list + +Timeframes for Work Completed for the +Kitchen(s) and Bathroom(s) – Appraiser must +select one value from the specified list + +Description of Condition of Improvements – +Text + +The PDF creator will populate the selected +text from the specified lists for ‘Overall +Condition Rating’ (Improvement Area), ‘Level +of Work Completed,’ and ‘Timeframe for Work +Completed.’ A semicolon will be used to +separate the overall condition rating from the +kitchen and bathroom improvements. + +Examples: +C4; No updates in the prior 15 years; [enter +description of property condition] + +C3; Kitchen- updated less than one year +ago;Bathrooms-remodeled-one to five years +ago; [enter description of property condition] + +C2; Kitchen- not updated;Bathrooms- +remodeled-less than one year ago; [enter +description of property condition] + +Exterior-Only Inspection Residential +Appraisal Report Forms: +The appraiser must report the overall +condition of the property or unit using one of +the overall condition ratings. + +Reporting Format: +Condition Rating – Appraiser must select one +value from the specified list +Description of Condition of Improvements – +Text diff --git a/chunks/txt/971d623b0d1ae5d9edbfb8d611bed8d04d87ea1449a185a3a0a7e44c7844d369.txt b/chunks/txt/971d623b0d1ae5d9edbfb8d611bed8d04d87ea1449a185a3a0a7e44c7844d369.txt new file mode 100644 index 0000000000000000000000000000000000000000..d22005d9d6c7ce50f6156a1ea50a1ad3b3d0aed0 --- /dev/null +++ b/chunks/txt/971d623b0d1ae5d9edbfb8d611bed8d04d87ea1449a185a3a0a7e44c7844d369.txt @@ -0,0 +1,31 @@ +debt-to-income ratio. + +The MISMO enumerated values for the CommunitySecondsRepaymentType do not identify how +long a repayment is deferred (i.e., DeferredFullyForgiven, DeferredNotFullyForgiven, +NonDeferred). The DU Spec has an Implementation Note to clarify the enumerated values for +CommunitySecondsRepaymentType (UID 13.0022): + +31 + +• “Deferred Fully Forgiven” is for a repayment deferred for 5 or more years and the debt is forgiven. +• “Deferred Not Fully Forgiven” is for a repayment deferred for 5 or more years and the debt is not forgiven. +• “Non Deferred” is for a repayment that begins after closing. + +Fannie Mae has updated the DU User Interface (UI) to add the 5-year repayment for Community +Seconds Repayment Structures based on the DU Spec CommunitySecondsRepaymentType +definitions for each enumeration. See the example below. + +Fannie Mae recommends your UI includes the 5-year repayment in your UI selections for Community +Seconds Repayment Structures to prevent an incorrect repayment type selection. + +26. NEW What is the purpose of the Optimized Dataset column and how is it used in a DU + +Submissions? + +The Optimized Dataset column was added to the DU Spec to filter for the minimum data points required to +submit a conventional loan casefile to DU and receive a recommendation. The DU findings are not final as +additional data (i.e. declarations, employer information, etc.) may be required to receive a final +recommendation from DU. + +To select the minimum data points for a conventional loan submission, filter the text in the Optimized +Dataset column by the “X” as shown in the image below. diff --git a/chunks/txt/972c6f9338d717ea7ac5cb9434d4a41a54c340523b141dd6262537290f57fc77.txt b/chunks/txt/972c6f9338d717ea7ac5cb9434d4a41a54c340523b141dd6262537290f57fc77.txt new file mode 100644 index 0000000000000000000000000000000000000000..d7ce861c02bf1b6e0434d2a216fb492beaa2e2b6 --- /dev/null +++ b/chunks/txt/972c6f9338d717ea7ac5cb9434d4a41a54c340523b141dd6262537290f57fc77.txt @@ -0,0 +1,153 @@ +Data Format: yyyy + +R + +R + +R + +152 + +153 + +154 + +1 + +1 + +1 + +145 + +146 + +147 + +PROJECT +INFORMATION + +Effective Age + +GSE Effective Age +Description + +Provide the effective age of the subject +property, that can be represented as a +single number or range. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_ANAL +YSIS/STRUCTURE_ANALYSIS_EXTENSION/STRUCTURE_ANALYSIS_E +XTENSION_SECTION[@ExtensionSectionOrganizationName='UNIFORM +APPRAISAL +DATASET']/STRUCTURE_ANALYSIS_EXTENSION_SECTION_DATA/EFF +ECTIVE_AGE/@GSEEffectiveAgeDescription + +PROJECT +INFORMATION +PROJECT +INFORMATION + +Project +Exterior Walls +Project +Roof Surface + +Exterior Feature +Description +Exterior Feature +Description + +A free-form text field used to describe the +exterior feature. +A free-form text field used to describe the +exterior feature. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/EXTERIOR_FEATUR +E[@_Type='Walls']/@_Description +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/EXTERIOR_FEATUR +E[@_Type='RoofSurface']/@_Description + +25 + +20 + +20 + +String + +String + +String + +This is a free text field which should contain a description of the materials of the +exterior walls. +This is a free text field which should contain a description of the materials of the roof +surface. + +155 + +1 + +148 + +PROJECT +INFORMATION + +Project +Total # Parking + +Parking Spaces +Count + +Specifies the number of vehicle parking +spaces (i.e., the number of parking spaces +in a garage, carport or condominium +complex). + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_CAR_STORA +GE/@ParkingSpacesCount + +20 + +Numeric + +Whole numbers only. + +156 + +157 + +158 + +159 + +160 + +161 + +162 + +163 + +164 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +149 diff --git a/chunks/txt/9734a92b64a1bbe37f03724ba419385715b432cf9815577db1ec8bc773cfba34.txt b/chunks/txt/9734a92b64a1bbe37f03724ba419385715b432cf9815577db1ec8bc773cfba34.txt new file mode 100644 index 0000000000000000000000000000000000000000..a4cedc5ce8c243752bb73cc277353657c48b81ee --- /dev/null +++ b/chunks/txt/9734a92b64a1bbe37f03724ba419385715b432cf9815577db1ec8bc773cfba34.txt @@ -0,0 +1,43 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +## Breadcrumb + +- [Home](/) + - [Policy](/policy) + - Fannie Mae & Freddie Mac Private Mortgage Insurer Eligibility Requirements (PMIERS) + +Policy + +# Fannie Mae & Freddie Mac Private Mortgage Insurer Eligibility Requirements (PMIERS) + +## Background + +When Fannie Mae and Freddie Mac (the Enterprises) purchase single-family mortgage loans where the outstanding principal balance of the mortgage exceeds 80 percent of the value of the underlying property, their charters require them to obtain an acceptable form of credit enhancement for the mortgage. Mortgage insurance is the most commonly used form of credit enhancement. Primary mortgage insurance covers the first losses on mortgage loans that exceed 80 percent loan-to-value (LTV) and reduces potential losses for Fannie Mae and Freddie Mac in the event of foreclosure. diff --git a/chunks/txt/9737509588bc19616aa3e9321c66878f3262acefe12c8fc858a0408c4ac17722.txt b/chunks/txt/9737509588bc19616aa3e9321c66878f3262acefe12c8fc858a0408c4ac17722.txt new file mode 100644 index 0000000000000000000000000000000000000000..381beabfa13ecaf434336a0e60a54472b507f282 --- /dev/null +++ b/chunks/txt/9737509588bc19616aa3e9321c66878f3262acefe12c8fc858a0408c4ac17722.txt @@ -0,0 +1,117 @@ +Median Days on Market +Lowest List Price +Median List Price +Highest List Price + +Pending Sales + +2 +11 +$435,000 +$440,000 +$445,000 +1 + +Sales in Past 24 Months + +Lowest Sale Price +Median Sale Price +Highest Sale Price + +Distressed Market Competition +Graph + +Price Trend Source + +35 +$400,000 +$499,000 +$597,000 +No +Absorption Rate +Median Days on Market +Price Trend +Year Built of Sales +MLS + +Housing Trends + +Demand/Supply + +Market Commentary + +Shortage + +Marketing Time + +Under 3 months + +Despite lack of supply, homes are not going up in value due to seasonality. This is typical for 3rd quarter, evidenced by the fact that there are +only 2 active listings, which have less finished area than the subject and not indicative of prices decreasing. + +Market Exhibits + +Absorption Rate + +Median Days on Market + +Appraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1) + +Uniform Residential Appraisal Report + +Page 12 of 21 +Page 12 of 21 + +Market (continued) + +Price Trend + +Year Built of Sales + +Project Information + +Planned Unit Development (PUD)  + +Condominium  + +Cooperative  + +Condop  + +Project Information Data Source Real Estate Agent +Mandatory Fees (HOA, PUD, or Co-op) +$34 + +Monthly Amount +Common Amenities/ +Services Included +Utilities Included + +Trash Removal +None + +Project Factors and Impact to Value/Marketability + +Project Factor +Developer/Sponsor in Control + +Known Legal Actions + +Unit Special Assessments + +Unit Tax Abatements or Exemptions + +Detail +No + +None + +None + +None + +Impact + +Comment + +Appraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1) diff --git a/chunks/txt/97548995394e9ee50e2f8417ef1140928b4a2702c7f4e52ba2b1c389accba14c.txt b/chunks/txt/97548995394e9ee50e2f8417ef1140928b4a2702c7f4e52ba2b1c389accba14c.txt new file mode 100644 index 0000000000000000000000000000000000000000..1aa9af85a93a4a5636aca1c658abfe5328046400 --- /dev/null +++ b/chunks/txt/97548995394e9ee50e2f8417ef1140928b4a2702c7f4e52ba2b1c389accba14c.txt @@ -0,0 +1,121 @@ +1. Fee Actual Payment Amount ≠ "0" + +UCD Supported Tax-related enumerations: +DocumentaryStampFee | Filing Fee | +MortgageSurchargeCountyOrParish | +MortgageSurchargeMunicipal | +MortgageSurchargeState | +MunicipalLienCertificateFee | Other | +PowerOfAttorneyRecordingFee | +RecordingFeeForAssignment | +RecordingFeeForMunicipalLienCertificate | +RecordingFeeForRelease | +RecordingFeeForSubordination +TaxStampForCityDeed | +TaxStampForCityMortgage | +TaxStampForCountyDeed | +TaxStampForCountyMortgage | +TaxStampForStateDeed | +TaxStampForStateMortgage | +TransferTaxTotal + +3 + +8.190 Fee Payment Paid + +By Type + +Transfer Taxes and +Other Government +Fees + +1. Fee Type exists +2. Integrated Disclosure Section +Type = "Taxes And Other +Government Fees" + +1. Fee Type exists +2. Integrated Disclosure Section Type = + +"Taxes And Other Government Fees" + +3. Fee Actual Payment Amount ≠ "0" + +3 + +3 + +8.170 +8.243 +8.273 +8.301 + +8.021 +8.239 +8.262 +8.269 + +Fee Paid To Type + +Prepaid Item +Payment Paid By +Type + +Prepaids (other than +prepaid interest) + +Prepaid ItemType <> "Prepaid + +Interest" + +3 + +8.248 Prepaid Item Per + +Prepaid Interest + +Prepaid ItemType = "Prepaid + +Diem Amount + +Interest" + +3 + +8.250 Prepaid Item Paid +From Date + +3 + +8.251 Prepaid Item Paid + +Prepaid Interest + +Through Date + +3 + +8.257 Fee Paid To Type + +1. Prepaid Item Type = +"Prepaid Interest" + +2. Prepaid Item Per Diem + +Amount > “0” + +1. Prepaid Item Type exists +2. Integrated Disclosure Section Type = + +"Prepaids" + +3. Prepaid Item Actual Payment Amount ≠ + +"0" + +1. Prepaid Item Type = "Prepaid Interest" +2. Integrated Disclosure Section Type = + +"Prepaids" + +3. Prepaid Item Actual Payment Amount ≠ diff --git a/chunks/txt/975f13a03b35f2ac86f8b5890c226c93ceae8e7555231879f650cc8d448b10d6.txt b/chunks/txt/975f13a03b35f2ac86f8b5890c226c93ceae8e7555231879f650cc8d448b10d6.txt new file mode 100644 index 0000000000000000000000000000000000000000..7612c76c4a6d520738befdd9b4d2ce60ebb77b11 --- /dev/null +++ b/chunks/txt/975f13a03b35f2ac86f8b5890c226c93ceae8e7555231879f650cc8d448b10d6.txt @@ -0,0 +1,91 @@ +• + +“false” + +o Do not display sub-header + +Supervisory Appraiser Certifications + +The Supervisory Appraiser Certifications subsection always displays. + +Report +Field ID + +Cert # + +Certifications Text + +Supervisory Appraiser Certifications + +05.032 + +The Supervisory Appraiser certifies and agrees that: + +Display Rules + +Always displays + +Always displays + +Report +Field ID + +Cert # + +Certifications Text + +Supervisory Appraiser Certifications + +05.033 + +05.034 + +05.035 + +05.036 + +05.048 + +05.049 + +05.050 + +1 + +2 + +3 + +4 + +5 + +6 + +7 + +05.051 + +8 + +I have no present or prospective interest in the property that is the subject of this report, or relationship +with the present or prospective owners or occupants of the subject property, or other parties involved in +this transaction. +I performed this assignment without bias with respect to the parties involved in this transaction, the +property that is the subject of this report, or the demographics of the area where the property is located. +I am aware of and have complied with all applicable laws and regulations including antidiscrimination +laws, rules, and requirements that apply to the appraiser and to the assignment. +I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and +agree with the appraiser’s analyses, opinions, statements, conclusions, and the appraiser’s certification. +The assignment information regarding the scope of inspection by the Supervisory Appraiser is correct. +I accept full responsibility for the contents of this appraisal report including, but not limited to, the +appraiser’s analyses, opinions, statements, conclusions, and the appraiser’s certification. +The appraiser identified in this appraisal report is either a subcontractor or an employee of the +supervisory appraiser (or the appraisal firm), is qualified to perform this appraisal, and is acceptable to +perform this appraisal under the applicable law. +If this report was transmitted as an “electronic record” containing my “electronic signature,” as those +terms are defined in applicable federal and/or state laws (excluding audio and video recordings), or a +facsimile transmission of this report containing a copy or representation of my signature, I agree that my +electronic signature has the same force and effect as my manual handwritten signature, and that the +report is enforceable and valid as a paper version of this report would be if delivered containing my +manual handwritten signature. diff --git a/chunks/txt/97785eaa48950fce480ad3684ea951c390c32ea22948ed5ff65d31595d687764.txt b/chunks/txt/97785eaa48950fce480ad3684ea951c390c32ea22948ed5ff65d31595d687764.txt new file mode 100644 index 0000000000000000000000000000000000000000..848ac41eac284b3fe0e9f6875605447ade80a0d5 --- /dev/null +++ b/chunks/txt/97785eaa48950fce480ad3684ea951c390c32ea22948ed5ff65d31595d687764.txt @@ -0,0 +1,95 @@ +Table 107. Sale Price with No Personal Property + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 +Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +11.2 | 11.2.1 Sale Price of Any +Personal Property +Included in Sale +($) + +…/SALES_CONTRA +CT/SALES_CONTR +ACT_DETAIL + +PersonalPropertyI +ncludedIndicator + +false + +11.1 | 11.1.1 Sale Price of +Property ($) + +SalesContractAmo +unt + +240000.00 + +When false, +PersonalPropertyA +mount is not +delivered + +ROF as +“$240,000.00” + +2. CONTRACT I TEMI Z ES REAL AND PERSONAL PROPERTY AMOUNTS + +When the sales contract specifies discrete amounts for real and personal property, then each amount is included +and presented on the form as illustrated in Figure 92. Personal property is defined by State law, but could +include such items as carpets, drapes, and appliances. + +Summaries of Transactions +BORROWER’S TRANSACTION (11.0 – 13.0) + +11.0 K. Due from Borrower at Closing + +11.0.1 + +$252,347.30 + +11.1.1 +0111.1 Sale Price of Property +0211.2 Sale Price of Any Personal Property Included in Sale 11.2.1 + +$237,000.00 +$3,000.00 + +Figure 92. Sale Prices of Real and Personal Property + +Table 108 shows that data in SALES CONTRACT DETAIL is used to represent the value of the real property and +personal property (if applicable) specified in the sales contract. When personal property is included and itemized +in the sale price, RealPropertyAmount instead of SalesContractAmount is provided in the XML file to populate +11.1 Sale Price of Property. + +Table 108. Sale Prices of Real and Personal Property + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +11.2 | +11.2.1 + +11.2 | +11.2.1 + +Sale Price of Any +Personal Property +Included in Sale ($) diff --git a/chunks/txt/978fb3dd36d5956715cff4d60a745209dfd07bf2045138cb6bfe7841fb5f34f3.txt b/chunks/txt/978fb3dd36d5956715cff4d60a745209dfd07bf2045138cb6bfe7841fb5f34f3.txt new file mode 100644 index 0000000000000000000000000000000000000000..a833387d562e9e91b6fee6712bcce52520fff3e4 --- /dev/null +++ b/chunks/txt/978fb3dd36d5956715cff4d60a745209dfd07bf2045138cb6bfe7841fb5f34f3.txt @@ -0,0 +1,15 @@ +**5. What resources are available to help me implement the UCD or update the UCD based on new requirements?** + +The GSEs have published several jointly developed and maintained implementation materials and artifacts on their respective FannieMae.com and FreddieMac.com websites to assist you with your UCD implementation. It is good practice to visit these websites frequently to ensure you are using the most up-to-date specifications and resources. + +Loan Delivery + +**6. How does the UCD relate to loan delivery requirements?** + +The UCD in the XML file format with the Closing Disclosure PDF (CD PDF) embedded must be successfully submitted prior to loan delivery. Every loan purchased by the GSEs requires a UCD submission. + +Loans submitted to a GSE’s Selling/Loan Delivery solutions without a corresponding UCD XML file will receive a critical/fatal edit and will not be eligible for purchase until the properly formed UCD XML file including the embedded CD PDF has been received. + +**7. Which version of the UCD Specification should I be using for production deliveries?** + +The GSEs published the UCD v2.0 in September 2024 to provide a glide path for industry to adopt the new format and requirements within their systems and processes. The UCD v2.0 transition period began on September 29, 2025. Each GSE’s UCD collection solution will accept UCD XML files based on EITHER UCD v2.0 OR v1.5 during the transition. The GSEs will continue to accept UCD XML files based on UCD v1.5 until the mandate date. After the mandate, all UCD XML files (even files previously submitted based on UCD v1.5) must use UCD v2.0. diff --git a/chunks/txt/97950a43c1b9c5840bdb3366aaed47706375b9522d72c2e3bd4883c6984cc3f9.txt b/chunks/txt/97950a43c1b9c5840bdb3366aaed47706375b9522d72c2e3bd4883c6984cc3f9.txt new file mode 100644 index 0000000000000000000000000000000000000000..f337ee771e465b70613c4b65ff90a1429d818d26 --- /dev/null +++ b/chunks/txt/97950a43c1b9c5840bdb3366aaed47706375b9522d72c2e3bd4883c6984cc3f9.txt @@ -0,0 +1,9 @@ +To access the historical Enterprise PUDB data, please expand the section below by clicking on the “+” symbol. + +#### Historical Enterprise PUDB Data (only in TXT format) + +Year Data and Documentation 2024 [[.txt, .pdf]](/document/data/2024_enterprise_pudb.zip) 2023 [[.txt, .pdf]](/document/2023_enterprise_pudb.zip) 2022 [[.txt, .pdf]](/document/2022_enterprise_pudb.zip) 2021 [[.txt, .pdf]](/document/2021_enterprise_pudb.zip) 2020 [[.txt, .pdf]](/document/2020_enterprise_pudb.zip) 2019 [[.txt, .pdf]](/document/2019_enterprise_pudb.zip) 2018 [[.txt, .pdf]](/document/2018_enterprise_pudb.zip) 2017 [[.txt, .pdf]](/document/2017_enterprise_pudb.zip) 2016 [[.txt, .pdf]](/document/2016_enterprise_pudb.zip) 2015 [[.txt, .pdf]](/document/2015_enterprise_pudb.zip) 2014 [[.txt, .pdf]](/document/2014_enterprise_pudb.zip) 2013 [[.txt, .pdf]](/document/2013_enterprise_pudb.zip) 2012 [[.txt, .pdf]](/document/2012_enterprise_pudb.zip) 2011 [[.txt, .pdf]](/document/2011_enterprise_pudb.zip) 2010 [[.txt, .pdf]](/document/2010_enterprise_pudb.zip) 2009 [[.txt, .pdf]](/document/2009_enterprise_pudb.zip) 2008 [[.txt, .pdf]](/document/2008_enterprise_pudb.zip) + +## Public Use Database – Federal Home Loan Bank System (FHLBank) + +HERA Section 1212 requires the Director to make available to the public, in a form that is useful to the public (including forms accessible electronically), and to the extent practicable, census tract level data relating to mortgages purchased by each Federal Home Loan Bank. diff --git a/chunks/txt/979ce525fae541c9991e67cf4dc897e65f555a521ab991daeed5f70bdd112336.txt b/chunks/txt/979ce525fae541c9991e67cf4dc897e65f555a521ab991daeed5f70bdd112336.txt new file mode 100644 index 0000000000000000000000000000000000000000..9542f229d518d82dd5db6c56398755d6b01c7168 --- /dev/null +++ b/chunks/txt/979ce525fae541c9991e67cf4dc897e65f555a521ab991daeed5f70bdd112336.txt @@ -0,0 +1,7 @@ +Data Mapping and PDF Rendering Information .................................................................................................................................................................. 10 + +Legal Description ........................................................................................................................................................................................................ 12 + +02 Original Appraisal ________________________________________________________________________________________________________ 12 + +Overview .............................................................................................................................................................................................................................. 12 diff --git a/chunks/txt/97a1a2ded297263029dffd6c7933ca3e0b860c319b59defd5f6287c70aad5f27.txt b/chunks/txt/97a1a2ded297263029dffd6c7933ca3e0b860c319b59defd5f6287c70aad5f27.txt new file mode 100644 index 0000000000000000000000000000000000000000..d9f3a4e1adfd01c57feb760f401ae13f9d950462 --- /dev/null +++ b/chunks/txt/97a1a2ded297263029dffd6c7933ca3e0b860c319b59defd5f6287c70aad5f27.txt @@ -0,0 +1,93 @@ +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +10 + +Date/Time + +Data Format: +yyyy-mm-dd + +This field is required if field 2-108 (Subject Has +Prior Sales Indicator = 'Y') is indicated. + +Price of Prior Sale/Transfer +SUBJECT + +Property Sales +Amount + +The sales price of the referenced property. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0’]/PRIOR +_SALES/@PropertySalesAmount + +15 + +Money + +SALES +COMPARISON +APPROACH + +Data Source (s) +SUBJECT + +Data Source +Description + +A free-form text field used to describe the +source of information. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA +RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/PRIOR_ +SALES/@DataSourceDescription + +30 + +String + +PDF Display Format: +mm/dd/yyyy +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 +This field must indicate the data source used for the prior sale/transfer of the +comparable. + +PDF Display Format (when the source is an MLS listing): +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +This field is required if field 2-108 (Subject Has +Prior Sales Indicator = 'Y') is indicated. + +SALES +COMPARISON +APPROACH + +SALES +COMPARISON +APPROACH + +Effective Date of Data Source (s) +SUBJECT + +Data Source +Effective Date + +The effective date of the source of +information. + +Date of Prior Sale/Transfer +COMPARABLE + +GSE Prior Sale Date + +The date of the prior sale of the subject or +comparable properties. diff --git a/chunks/txt/97a6d954219808c9be0a2f6c2caed3d3d3bbb58b381550a1627520810ad4c1a8.txt b/chunks/txt/97a6d954219808c9be0a2f6c2caed3d3d3bbb58b381550a1627520810ad4c1a8.txt new file mode 100644 index 0000000000000000000000000000000000000000..5f80e4dfcc64baeb609a7637dbcc65c1bc5afe15 --- /dev/null +++ b/chunks/txt/97a6d954219808c9be0a2f6c2caed3d3d3bbb58b381550a1627520810ad4c1a8.txt @@ -0,0 +1,132 @@ +90-120 days +10/05/2019 + +Reconciliation of Market Value + +Utilize this subsection for additional commentary as required by USPAP. + +Apparent Defects, Damages, Deficiencies + +The items listed below represent the As Is condition as of the effective date of this report + +Feature +Dwelling Exterior - Building 1 + +Location + +Roof + +Entire Roof + +Unit Interior - Building 1 - Unit 1 + +Appliances + +Kitchen + +Cabinetry + +Cabinetry + +Doors + +Walls and Ceiling + +Bathroom + +Kitchen + +Bathroom + +Bathroom + +Dwelling Exterior - Building 2 + +Roof + +Entire Roof + +Unit Interior - Building 2 - Unit 2 + +Cabinetry + +Cabinetry + +Bathroom + +Kitchen + +Description + +Affects Soundness or +Structural Integrity + +Recommended +Action + +Rust noted on the roof. Metal galvanized roofs +can detriorate when rust forms. No ruptures +or leaks noted at the time of inspection. + +No + +The stove is fully functional but considered +outdated, undersized and does not meet +current standards in the market. + +Some cabinet hardware is missing exhibiting +moderate wear and tear. + +Some cabinet hardware and cabinet fronts +missing exhibiting moderate wear and tear. + +Peeling paint that is cosmetic in nature. + +Peeling and worn paint that is cosmetic in +nature. + +Rust noted on the roof. Metal galvanized roofs +can detriorate when rust forms. No ruptures +or leaks noted at the time of inspection. + +Some hardware noted to be missing from +cabinets exhibiting moderate wear and tear. + +Some hardware noted to be missing from +cabinets exhibiting moderate wear and tear. + +No + +No + +No + +No + +No + +No + +No + +No + +None + +None + +None + +None + +None + +None + +None + +None + +None + +Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024 diff --git a/chunks/txt/97aeeeb7eddbab0da5420fa8971df41cd15b422581508dd35914eab3ae694d6e.txt b/chunks/txt/97aeeeb7eddbab0da5420fa8971df41cd15b422581508dd35914eab3ae694d6e.txt new file mode 100644 index 0000000000000000000000000000000000000000..1c3689fafae5faadc8e6fe812ba84d3460090956 --- /dev/null +++ b/chunks/txt/97aeeeb7eddbab0da5420fa8971df41cd15b422581508dd35914eab3ae694d6e.txt @@ -0,0 +1,40 @@ +Down Payment Requirements for Single-Closing Purchase Transactions + +The borrower must use their own funds to make the minimum borrower contribution unless: + +• +• + +the LTV, CLTV, or HCLTV ratio is less than or equal to 80%; or +the borrower is purchasing a one-unit principal residence and meets the requirements to use gifts, donated grant funds, +or funds received from an employer to pay for some or all of the borrower's minimum contribution. See Selling Guide B3- +4.3-04, Personal Gifts; B3-4.3-06, Grants and Lender Contributions; and B3-4.3-08, Employer Assistance, for additional +information. + +Modifications of Single-Closing Construction-to-Permanent Mortgages + +If the terms of the permanent financing change after the original closing date of the construction loan, the loan may be modified +to reflect the new terms if it meets all of the following criteria: + +The modification must take place prior to or at the time of conversion. + +• +• Only the following loan terms may be modified in a single-closing transaction: + +o +interest rate, +o +loan amount, +o +loan term, and +o amortization type. + +The only amortization change permitted is from an adjustable-rate amortization to a fixed-rate amortization. + +Changes made to any other loan terms will require a two-closing construction-to-permanent transaction. + +• + +The loan must be underwritten based on the terms of the loan as modified and delivered to Fannie Mae. If the final +(modified) terms of the loan do not match the last submission to DU, the loan must be resubmitted to DU (subject +to Underwriting Single-Closing Construction-to-Permanent Mortgages and Requalification Requirements described below). diff --git a/chunks/txt/97ba332e1658036169c9bce22ff1c64548610f14e9847a30cfd4186904b34194.txt b/chunks/txt/97ba332e1658036169c9bce22ff1c64548610f14e9847a30cfd4186904b34194.txt new file mode 100644 index 0000000000000000000000000000000000000000..414eddd1a5eec45fc4e651987ebca930f4a0039c --- /dev/null +++ b/chunks/txt/97ba332e1658036169c9bce22ff1c64548610f14e9847a30cfd4186904b34194.txt @@ -0,0 +1,85 @@ +Indicates whether any part of the +subject parcel is in a FEMA +designated Flood Zone. + +125 + +1 + +119 + +SITE + +FEMA Flood Zone + +GSE NFIP Flood +Zone Identifier + +The FEMA Flood Zone identifier for +the subject site. + +126 + +1 + +120 + +SITE + +FEMA Map # + +GSE FEMA Flood +Map Identifier + +The FEMA map number of which the +subject property is located. + +/VALUATION_RESPONSE/PROPERTY/_OF +F_SITE_IMPROVEMENT[@_Type='Street' +and +@_OwnershipType='Public']/@_ExistsIndicator +/VALUATION_RESPONSE/PROPERTY/_OF +F_SITE_IMPROVEMENT[@_Type='Street' +and +@_OwnershipType='Private']/@_ExistsIndicator + +/VALUATION_RESPONSE/PROPERTY/_OF +F_SITE_IMPROVEMENT[@_Type='Alley']/@ +_Description + +/VALUATION_RESPONSE/PROPERTY/_OF +F_SITE_IMPROVEMENT[@_Type='Alley' and +@_OwnershipType='Public']/@_ExistsIndicator + +/VALUATION_RESPONSE/PROPERTY/_OF +F_SITE_IMPROVEMENT[@_Type='Alley' and +@_OwnershipType='Private']/@_ExistsIndicator + +/VALUATION_RESPONSE/PROPERTY/SITE +/FLOOD_ZONE/FLOOD_ZONE_EXTENSIO +N/FLOOD_ZONE_EXTENSION_SECTION[@ +ExtensionSectionOrganizationName='UNIFOR +M APPRAISAL +DATASET']/FLOOD_ZONE_EXTENSION_SE +CTION_DATA/FLOOD_ZONE_INFORMATI +ON[@GSEFEMASpecialFloodHazardAreaIndic +ator='Y'] + +/VALUATION_RESPONSE/PROPERTY/SITE +/FLOOD_ZONE/FLOOD_ZONE_EXTENSIO +N/FLOOD_ZONE_EXTENSION_SECTION[@ +ExtensionSectionOrganizationName='UNIFOR +M APPRAISAL +DATASET']/FLOOD_ZONE_EXTENSION_SE +CTION_DATA/FLOOD_ZONE_INFORMATI +ON[@GSEFEMASpecialFloodHazardAreaIndic +ator='N'] + +/VALUATION_RESPONSE/PROPERTY/SITE +/FLOOD_ZONE/FLOOD_ZONE_EXTENSIO +N/FLOOD_ZONE_EXTENSION_SECTION[@ +ExtensionSectionOrganizationName='UNIFOR +M APPRAISAL +DATASET']/FLOOD_ZONE_EXTENSION_SE +CTION_DATA/FLOOD_ZONE_INFORMATI +ON/@GSENFIPFloodZoneIdentifier diff --git a/chunks/txt/97c275f6556c0c838382b12193e415ee90a0733ac46ca4547342d0cfdbc2b132.txt b/chunks/txt/97c275f6556c0c838382b12193e415ee90a0733ac46ca4547342d0cfdbc2b132.txt new file mode 100644 index 0000000000000000000000000000000000000000..a0671016af100cd0e75d90b53075456a1cab7682 --- /dev/null +++ b/chunks/txt/97c275f6556c0c838382b12193e415ee90a0733ac46ca4547342d0cfdbc2b132.txt @@ -0,0 +1,6 @@ +Quality and Condition (H1) ................................................................................................................................. 47 + +Accessibility Features for Individuals with Disabilities (H1) ............................................................................... 48 + +Apparent Defects, Damages, Deficiencies (Unit Interior - [Outbuilding Type] - [Structure Identifier] - [Unit +Identifier]) (H1) ................................................................................................................................................... 49 diff --git a/chunks/txt/980279e72364671390f90d8b448b44abb3220d81f8fbabd95cc4756f7fb83712.txt b/chunks/txt/980279e72364671390f90d8b448b44abb3220d81f8fbabd95cc4756f7fb83712.txt new file mode 100644 index 0000000000000000000000000000000000000000..24b76dcf9ab4ec3fcd18aea17fe4fd0b8992ec41 --- /dev/null +++ b/chunks/txt/980279e72364671390f90d8b448b44abb3220d81f8fbabd95cc4756f7fb83712.txt @@ -0,0 +1,96 @@ +Unit Interior Commentary + +Additional commentary can be added here, if needed by Appraiser. + +Unit Interior Exhibits + +Affects Soundness or +Structural Integrity +No + +Recommended +Action +None + +Level 1 - Bath - Full - Bath 1 + +Level 1 - Bath - Full - Bath 2 + +Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 8 of 22 +Page 8 of 22 + +Unit Interior (continued) + +Level 1 - Dining Room - Dining Area + +Level 1 - Kitchen + +Level 1 - Living Room + +Apparent Defects, Damages, Deficiencies - +Walls and Ceiling - Peeling Paint + +Functional Obsolescence + +Functional Issues + +None + +Functional Obsolescence Commentary + +Additional commentary can be added here, if needed by Appraiser. + +Vehicle Storage + +Storage +Parking Garage + +Number of Parking Spaces +2 | Owned + +Detail + +Apparent Defects, Damages, Deficiencies (Vehicle Storage) + +None + +Vehicle Storage Commentary + +G22 and G23 - Space Numbers. + +Subject Property Amenities + +Amenity Category +Outdoor Living + +Whole Home + +Subject Property Amenity +Balcony + +Material +Concrete + +Indoor Fireplace + +Detail +56 Sq. Ft. + +Total Number - 1 + +Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024 + +Uniform Residential Appraisal Report + +Page 9 of 22 +Page 9 of 22 + +Subject Property Amenities (continued) + +Apparent Defects, Damages, Deficiencies (Subject Property Amenities) + +The items listed below represent the As Is condition as of the effective date of this report diff --git a/chunks/txt/98050f3f053a93bda5fc78cd70eaca35abd95d579d4b68f1813cd6d2cda10e53.txt b/chunks/txt/98050f3f053a93bda5fc78cd70eaca35abd95d579d4b68f1813cd6d2cda10e53.txt new file mode 100644 index 0000000000000000000000000000000000000000..1707a226079c93a26ffc8da963c81a4be75494fa --- /dev/null +++ b/chunks/txt/98050f3f053a93bda5fc78cd70eaca35abd95d579d4b68f1813cd6d2cda10e53.txt @@ -0,0 +1,67 @@ +Choose this answer when a special assessment has been charged to the unit. +Notes: +• +• + +If this answer is selected, provide the Project Special Assessment Amount remaining for the unit. +If there is an existing special assessment that has been fully paid by the unit owner, choose this answer and enter +zero (0) for Project Special Assessment Amount. + +Choose this answer when the appraiser has been made aware of a planned special assessment, regardless of whether the +amount is known. This includes any special assessment that the board and, if required, owners, have approved but the +board has not initiated collection. +Notes: +• +• + +If the amount is known to the appraiser, provide the Project Special Assessment Amount to be charged to the unit. +If the amount is unknown to the appraiser, leave Project Special Assessment Amount blank, and provide commentary +in Special Assessments Comment. + +Special Assessment Impact and Comment + +Project Factors: Unit Special Assessments + +Report +Field ID + +Report Label + +When to Include + +18.082 Unit Special +Assessments +(Impact) + +18.092 Unit Special +Assessments +(Comment) + +Required if Project +Special Assessment +Amount Type is +Existing or Proposed + +Required if Project +Special Assessment +Amount Type is +Existing or Proposed, +or as needed + +Allowable +Answers / Format + +Adverse, +Beneficial, or +Neutral + +Free-form + +Definition / Additional Guidance + +Special Assessments Comment +Commentary on the reason for the special assessment(s), sources of +information, a description of the impact to value and / or marketability, and +any other details. +Note: For further expansion of commentary, use Project Factors Commentary +(18.094). diff --git a/chunks/txt/98063ef88275797f0c49668910e9ce82832e69ae84215b6fc0e9d05e2e4bc6f6.txt b/chunks/txt/98063ef88275797f0c49668910e9ce82832e69ae84215b6fc0e9d05e2e4bc6f6.txt new file mode 100644 index 0000000000000000000000000000000000000000..916e6745930ba2d24af1a3d9fa5e8e6a02ba9acf --- /dev/null +++ b/chunks/txt/98063ef88275797f0c49668910e9ce82832e69ae84215b6fc0e9d05e2e4bc6f6.txt @@ -0,0 +1,89 @@ +7.008 + +FeePaymentPaidByType + +7.009 + +FeePaymentPaidOutsideOfClosingIndicato +r + +200.00 + +Buyer + +false + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FE +E_INFORMATION/FEES/FEE[IntegratedDisclosureSectionType="TaxesAndOtherGovernmentFees"]/FEE_DETAIL + +8.207 + +FeeActualTotalAmount + +40.00 + +8.205 + +IntegratedDisclosureSectionType + +TaxesAndOtherGovernmentFee +s + +…/FEE[IntegratedDisclosureSectionType="TaxesAndOtherGovernmentFees"]/FEE_DETAIL/EXTENSION/OTHER/ucd:FEE_DETAIL_E +XTENSION + +15.004 + +ucd:FeeItemType + +RecordingFeeForDeed + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FE +E_INFORMATION/FEES/FEE[IntegratedDisclosureSectionType="TaxesAndOtherGovernmentFees"]/FEE_DETAIL + +8.207 + +FeeActualTotalAmount + +45.00 + +8.205 + +IntegratedDisclosureSectionType + +TaxesAndOtherGovernmentFee +s + +…/FEE[IntegratedDisclosureSectionType="TaxesAndOtherGovernmentFees"]/FEE_DETAIL/EXTENSION/OTHER/ucd:FEE_DETAIL_E +XTENSION + +15.004 + +ucd:FeeItemType + +RecordingFeeForMortgage + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FE +E_INFORMATION/FEES/FEE[IntegratedDisclosureSectionType="TaxesAndOtherGovernmentFees"]/FEE_DETAIL + +8.209 + +IntegratedDisclosureSectionType + +TaxesAndOtherGovernmentFee +s + +Included so that the associated fee +can be rendered on the CD in the +intended section. + +…/FEE[IntegratedDisclosureSectionType="TaxesAndOtherGovernmentFees"]/FEE_DETAIL/EXTENSION/OTHER/ucd:FEE_DETAIL_E +XTENSION + +15.018 + +ucd:FeeItemType + +RecordingFeeTotal + +…/FEE[IntegratedDisclosureSectionType="TaxesAndOtherGovernmentFees"]/FEE_PAYMENTS/FEE_PAYMENT diff --git a/chunks/txt/980953d359d0e481d5c6a67992fde03a460b53c3b90ce02c0e26e73abf5a940d.txt b/chunks/txt/980953d359d0e481d5c6a67992fde03a460b53c3b90ce02c0e26e73abf5a940d.txt new file mode 100644 index 0000000000000000000000000000000000000000..b799439f33d5c9ca05ba4992089c4c918d3310b2 --- /dev/null +++ b/chunks/txt/980953d359d0e481d5c6a67992fde03a460b53c3b90ce02c0e26e73abf5a940d.txt @@ -0,0 +1,117 @@ +ii. See V. Consolidated Mapping Guidance entry for Other + Other Description-Free Form Text. + +Appendix E: UCD Implementation Guide + +Page 55 of 254 + +Version 1.4 + +Uniform Closing Dataset + +3. 5 LOAN I D# + +3.0 Loan Information + +The lender’s loan identifier is reflected on the form as illustrated in the following figure. + +3.0 Loan Information + +3.4 Loan Type  Conventional  FHA + + VA  + +3.5 Loan ID # 123456789 + +3.6 MIC # + +000654321 + +Figure 27. Loan ID # + +Up to 10 GSE-specific data points are required, if available, to assist with identifying loans across UMDP datasets +(see 2. To Support Cross-UMDP Loan Identification). These data points (shown in Table 40) are associated with +the Loan ID # field, but do not appear on the Closing Disclosure: + +1. MERS_MIN + +2. Universal Loan ID + +3. AUS IDs for Loan Product Advisor and/or Desktop Underwriter + +4. Manual Underwriting Indicator + +Table 40. Loan Identifiers + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +First instance of LOAN_IDENTIFIER + +3.5 + +Loan ID # + +…/LOAN/LOAN_IDEN +TIFIERS/LOAN_IDENT +IFIER + +LoanIdentifier + +123456789 + +LoanIdentifierType + +LenderLoan + +2 data points MUST +be used together + +UID +0.038 + +UID +0.045 + +Second instance of LOAN_IDENTIFIER + +GSE (Loan ID #) + +…/LOAN_IDENTIFIER LoanIdentifier + +12345678910111213 +1 + +LoanIdentifierType MERS_MIN + +Third instance of LOAN_IDENTIFIER + +▪ 2 data points +MUST be used +together +▪ Not shown – + +Cross-UMDP loan +ID + +▪ Provide if available + +Appendix E: UCD Implementation Guide + +Page 56 of 254 + +Version 1.4 + +Uniform Closing Dataset + +3.0 Loan Information diff --git a/chunks/txt/98129d695bc2034acebc172b3bc3610cc34c29d6476484d08bb0e4659f95754b.txt b/chunks/txt/98129d695bc2034acebc172b3bc3610cc34c29d6476484d08bb0e4659f95754b.txt new file mode 100644 index 0000000000000000000000000000000000000000..14b31656029294eb216f299bc3e29105101d2a2a --- /dev/null +++ b/chunks/txt/98129d695bc2034acebc172b3bc3610cc34c29d6476484d08bb0e4659f95754b.txt @@ -0,0 +1,99 @@ +A project that contains a mixture of units, some with cooperative ownership rights and others with condominium +ownership rights. +Example: +• + +A mixed-use condo building with commercial spaces that are individual condo units, and a residential portion that is a +cooperative consisting of individual residential co-op units (all of the residential co-op units together make up one +condominium unit). + +Note: If this answer is selected, a checkmark displays in the Condop checkbox (18.003) at the top of the Project +Information section. + +General Information + +Project Name and Data Sources + +Project Information: Project Name and Data Sources + +Report +Field ID + +Report Label + +When to Include + +18.004 Project Name + +Required if the +property is in a +condominium, +cooperative, or +condop + +Allowable +Answers / Format + +Free-form + +18.005 Project + +Information +Data Source + +Required if the +property is in a +condominium, +cooperative, condop, +or PUD + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column + +Definition / Additional Guidance + +Provide the legal name of the project in which the property is located, as it +would appear in the preliminary title report. +Notes: +• + +This information may be obtained from the HOA, client, borrower, or any +other reliable source. +If the legal name is unavailable, provide the most commonly used name +for the project. + +• + +Assessor Record +Builder or Developer +Condominium Questionnaire +Cooperative Board +Cooperative Questionnaire +Data Aggregator +Homeowners Association +Land Survey + +Sources of data for the Project Information section. +• +• +• +• +• +• +• +• +• MLS +• +• +• +• +• +• +• +• +For reference, see the Statement of Assumptions and Limiting Conditions +relevant to data sources and Appraiser Certification 8. diff --git a/chunks/txt/9819884331be36a596c03d3f110afb05078f250b937495982bc5caf5f8e842db.txt b/chunks/txt/9819884331be36a596c03d3f110afb05078f250b937495982bc5caf5f8e842db.txt new file mode 100644 index 0000000000000000000000000000000000000000..2157178757364ee2ab1638593e6a66c1176aa052 --- /dev/null +++ b/chunks/txt/9819884331be36a596c03d3f110afb05078f250b937495982bc5caf5f8e842db.txt @@ -0,0 +1,95 @@ +5.3.1 + + +109 5.3.2 + + +109 5.3.3 + + +109 5.3.4 + + +--- + +5.4.1 + + +0 5.4.2 + + +0 5.4.3 + + +0 5.4.4 + + +0 + +5.5.1 + +5.5.2 +$1,116.35 + +5.5.3 + +5.5.4 + +5.5.5 + +5.5.6 + +5.5.7 + +5.5.8 + +$1,116 – $1,561 + +$1,116 – 1,775 + +$1,116 – $1,870 + +5.6 Estimated Taxes, Insurance +& Assessments +Amount can increase over time +See page 4 for details + +5.6.1 $533 +5.6.2 a month + +This estimate includes +5.6.3 Property Taxes +5.6.4 Homeowners Insurance +5.6.5 Other: + +In escrow? +NO +NO + +See Escrow Account on page 4 for details. You must pay for other property +costs separately. + +Figure 53. Projected Payments Table with Maximum Number of Columns + +Appendix E: UCD Implementation Guide + +Page 80 of 254 + +Version 1.4 + +Uniform Closing Dataset + +5.0 Projected Payments Table + +5. 1 PAYMENT CALCULATI ON SECTI ON + +1. COLUMN HEADI NGS - YEAR RANGES + +The Projected Payments table must disclose at least one, but no more than four separate year ranges. Figure 53 +illustrates the table with the maximum number of periods (4). + +Each column must be expressed in whole years, which are twelve-month intervals that begin on the due date of +the initial periodic payment. When the same Estimated Total Periodic Payment amount will be paid for several +years before a payment change event occurs, then the Year Range representing the unchanging payment +becomes a column heading. The entire loan term must be represented by the Year Range columns. Figure 54 +illustrates a loan with two Year Range columns. + +5.0 Projected Payments + +5.1 Payment Calculation + +5.1.1 + +Years 1 – 7 diff --git a/chunks/txt/982a641f252dddffe07372b03b6b8276fe093edefb482827525d5cb4b8562bfc.txt b/chunks/txt/982a641f252dddffe07372b03b6b8276fe093edefb482827525d5cb4b8562bfc.txt new file mode 100644 index 0000000000000000000000000000000000000000..35d999786f4fb4841dfc99dedfbd655443584d54 --- /dev/null +++ b/chunks/txt/982a641f252dddffe07372b03b6b8276fe093edefb482827525d5cb4b8562bfc.txt @@ -0,0 +1,41 @@ +[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 + +![Sidewalk on the Tidal Basin with Washington Monument in the background](/sites/default/files/styles/desktop_hero/public/2025-04/hero-3.jpg.webp?itok=riiM1izY) + +# Testimonies + +Congressional testimonies that offer valuable insights from FHFA leadership. + +## Breadcrumb + +- [Home](/) + - [News](/news) + - Testimonies diff --git a/chunks/txt/982ed2a044b4d6551d65de3130b1acf88499c1e76dbfc6d85f73b9e54a7158cf.txt b/chunks/txt/982ed2a044b4d6551d65de3130b1acf88499c1e76dbfc6d85f73b9e54a7158cf.txt new file mode 100644 index 0000000000000000000000000000000000000000..dd938aa8ce5e888ed66ecf3630c107f589e0b8e6 --- /dev/null +++ b/chunks/txt/982ed2a044b4d6551d65de3130b1acf88499c1e76dbfc6d85f73b9e54a7158cf.txt @@ -0,0 +1,137 @@ +--- + +5.4.1 + + +0 5.4.2 + + +0 5.4.3 + + +0 5.4.4 + + +0 + +5.6.1 $356.13 +5.6.2 a month + +This estimate includes +5.6.3 Property Taxes +5.6.4 Homeowners Insurance +5.6.5 Other: Homeowners Assn Dues + +In escrow? +NO +NO +NO + +See Escrow Account on page 4 for details. You must pay for other +property costs separately. + +Figure 114. Projected Payments Table – No Escrow Account + +Other Costs + +8.0 + +Borrower-Paid + +Seller-Paid + +At Closing + +Before Closing + +At Closing + +Before Closing + +Paid by +Others + +8.10 G. Initial Escrow Payment at Closing + +8.10.1 $0 + +018.11 Homeowner’s Insurance 8.11.1 (___per month for + +8.11.2 + +___ mo.) + +028.12 Mortgage Insurance 8.12.1 (___ per month for __ + +8.12.2 + +mo.) + +038.13 Property Taxes 8.13.1 (___ per month for __ mo.) + +8.13.2 + +8.11.4 + +8.12.4 + +8.13.4 + +8.11.6 + +8.12.6 + +8.13.6 + +Figure 115. Other Costs Table – No Escrow Account + +Loan Costs +7.4 B. Services Borrower Did Not Shop For + +7.0 + +Borrower-Paid + +Seller-Paid + +At Closing + +Before Closing + +At Closing + +Before Closing + +Paid by +Others + +7.4.1 $536.55 + +01 7.5 Escrow Waiver Fee. + +7.5.1 + +7.5.2 + +150.00 7.5.3 + +7.5.4 + +7.5.5 + +7.5.6 + +100.00 + +Figure 116. Loan Costs Table – Escrow Waiver Fee + +The data points used to support the Escrow Account section when no escrow account is established are +illustrated below. + +Table 128. No Escrow Account + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute diff --git a/chunks/txt/983a833d5c3f13712b37bfe3879cb319214031901e705348fae544b2b7ccfd28.txt b/chunks/txt/983a833d5c3f13712b37bfe3879cb319214031901e705348fae544b2b7ccfd28.txt new file mode 100644 index 0000000000000000000000000000000000000000..55c34f138870f2a05af1a3fc6ad36be91ffcc0b0 --- /dev/null +++ b/chunks/txt/983a833d5c3f13712b37bfe3879cb319214031901e705348fae544b2b7ccfd28.txt @@ -0,0 +1,65 @@ +05.002 + +Additional Scope of Work + +Additional Scope of Work cannot be contrary to the original Scope of Work. + +05.003 + +Intended Use + +05.004 + +The intended use of the opinions and conclusions contained in this appraisal report is for the intended user to evaluate the property that is the +subject of this appraisal for a mortgage finance transaction or related activities. + +05.005 + +The intended use of the appraisal is solely to assist FHA in assessing the risk of the Property securing the FHA-insured Mortgage +(24 CFR § 200.145(b)). + +05.006 + +Additional Intended Use + +Additional Intended Use cannot be contrary to the original Intended Use. +05.007 + +Intended User + +05.008 + +The intended user of this report is the lender/client. + +05.009 + +FHA and the Mortgagee are the intended users of this report. + +The USDA and any other identified lender/client are intended users of this report. + +The VA is also an intended user of this report. + +05.046 + +Additional Intended Users + +Additional Intended Users cannot be contrary to the original Intended User. +05.010 + +Certifications + +Appraiser Certifications + +05.011 + +The Appraiser certifies and agrees that: + +05.012 + +1. I have no present or prospective interest in the property that is the subject of this report, or relationship with the present or prospective +owners or occupants of the subject property, or other parties involved in this transaction. + +05.013 + +2. I performed this assignment without bias with respect to the parties involved in this transaction, the property that is the subject of this +report, or the demographics of the area where the property is located. diff --git a/chunks/txt/984bf13252c323e0f51b8ebccb3490539f4b118a9fdead06853b8559d0cc88dc.txt b/chunks/txt/984bf13252c323e0f51b8ebccb3490539f4b118a9fdead06853b8559d0cc88dc.txt new file mode 100644 index 0000000000000000000000000000000000000000..c2199ca2955d9b405a2caa4f393de4510195b513 --- /dev/null +++ b/chunks/txt/984bf13252c323e0f51b8ebccb3490539f4b118a9fdead06853b8559d0cc88dc.txt @@ -0,0 +1,42 @@ +Desktop Underwriter/Desktop Originator Integration Impact Memo +DU Version 11.1 April Update + +Mar. 1, 2023 + +During the weekend of April 15, 2023, Fannie Mae will implement an update to Desktop Underwriter® (DU®) Version 11.1. The +changes in this release will apply to loan casefiles submitted or resubmitted to DU on or after the weekend of April 15, 2023. + +Please review this memo, in addition to the Release Notes to ensure that your integrated system(s) will be prepared to support +this release. + +New, Modified, and Retired DU Underwriting Findings Messages + +This release will introduce new, modified, and retired messages that will be issued in the DU Underwriting Findings report. + +How will this affect my integrated system(s)? + +Integrated systems that parse the DU Underwriting Findings report data file (RES file), or Codified Findings (XML file) may require +updates to support the message changes. Integrated systems parsing the DU Underwriting Findings via the DU Messages API may +also require updates to support the message changes. Reference the table below for a preliminary assessment of the anticipated +message changes. + +New Messages + +Modified Messages + +Retired Messages + +6 + +38 + +4 + +The “final” DU messages file will be distributed via email from Integration News (integration_news@fanniemae.com) to +authorized subscribers on or about Mar. 1, 2023. + +Property Data ID + +When the lender receives DU message ID 3709, stating that the loan is eligible for value acceptance plus property data eligible +contingent upon the submission of property data to Fannie Mae’s Property Data API (the “API”), the lender can order the property +data collection from an approved vendor that has access to the API. diff --git a/chunks/txt/9851f5ff37533016b6282ef66a8d91f63c33cb7d13b9568f91342b2a5d6c3c9a.txt b/chunks/txt/9851f5ff37533016b6282ef66a8d91f63c33cb7d13b9568f91342b2a5d6c3c9a.txt new file mode 100644 index 0000000000000000000000000000000000000000..4717d7c33dfc2deac1e81d4b84b6ee82391c15d6 --- /dev/null +++ b/chunks/txt/9851f5ff37533016b6282ef66a8d91f63c33cb7d13b9568f91342b2a5d6c3c9a.txt @@ -0,0 +1,141 @@ +0300.0048 + +RoofEstimatedAgeRangeType + +− Display “Estimated Age:” followed by the number and “years” on a separate line + +under material. + +8.034 + +Quality Comment + +0300.0075 + +ImprovementComponentQualityDescription + +… AND Exists + +8.035 + +Condition Status + +0300.0054 + +ImprovementComponentConditionStatusType + +… AND RoofObservableIndicator = "true" + +8.036 + +Condition Comment + +0300.0100 + +ImprovementComponentConditionDescription + +… AND Exists + +8.041 + +Feature: Windows + +0300.0055 + +ImprovementComponentType + +Display when ImprovementComponentType = "Windows” … + +8.037 + +Detail + +0300.0052 + +ImprovementComponentTypeAdditionalDescription Always displays + +8.038 + +Quality Comment + +0300.0075 + +ImprovementComponentQualityDescription + +… AND Exists + +8.039 + +Condition Status + +0300.0054 + +ImprovementComponentConditionStatusType + +Always displays + +Appendix B-1: URAR Implementation Guide v1.3 + +Dwelling Exterior: Quality and Condition - Exterior Features + +Report +Field ID + +Report Label + +Unique ID MISMO Data Point Name + +Display Rules + +8.040 + +Condition Comment + +0300.0100 + +ImprovementComponentConditionDescription + +… AND Exists + +8.041 + +Feature: [blank row] + +0300.0055 + +ImprovementComponentType + +Display when ImprovementComponentType = "Other" … +(When no Other Feature Type is provided, the row does not display) + +8.041 + +[Other Feature Type] + +0300.0056 + +ImprovementComponentTypeOtherDescription + +− Display the text in the header of the blank row + +Page 161 + +8.042 + +Detail + +0300.0052 + +ImprovementComponentTypeAdditionalDescription + +Always displays + +8.043 + +Quality Comment + +0300.0075 + +ImprovementComponentQualityDescription + +… AND Exists diff --git a/chunks/txt/985cecf388784954287181f32891bdd2a6d9be203a47065a08bca79573c7343b.txt b/chunks/txt/985cecf388784954287181f32891bdd2a6d9be203a47065a08bca79573c7343b.txt new file mode 100644 index 0000000000000000000000000000000000000000..988c4deacb78c9d96c8bac4db6469bf26ee67fd3 --- /dev/null +++ b/chunks/txt/985cecf388784954287181f32891bdd2a6d9be203a47065a08bca79573c7343b.txt @@ -0,0 +1,4 @@ +HF.005 +HF.006 +HF.007 +HF.008 diff --git a/chunks/txt/985f1e7923c4d20fcbcf089a01f5a348b4c66f39874f49855d22935b13401100.txt b/chunks/txt/985f1e7923c4d20fcbcf089a01f5a348b4c66f39874f49855d22935b13401100.txt new file mode 100644 index 0000000000000000000000000000000000000000..83a63a2ef730b57aecdf8226715bc05a7763f92f --- /dev/null +++ b/chunks/txt/985f1e7923c4d20fcbcf089a01f5a348b4c66f39874f49855d22935b13401100.txt @@ -0,0 +1,112 @@ +0100.0050 + +ValuationCommentText + +3.010 + +Planned Unit Development + +0100.0026 + +PUDIndicator + +Display when SpecialTaxAssessmentsIndicator = "true" AND +ValuationAnalysisCategoryType (UID: 0100.0049, FID: Not on report) = +“PropertySpecialTaxAssessments” + +- + +Checkbox always displays +Note: When PUDIndicator = “true”, PropertyInProjectIndicator must be +false + +Appendix B-1: URAR Implementation Guide v1.3 + +Report +Field ID + +Report Label + +3.011 +3.012 +3.013 + +Condominium +Cooperative +Condop + +Page 109 + +Subject Property: General Information + +Unique ID MISMO Data Point Name + +Display Rules + +2500.0168 + +ProjectLegalStructureType + +Checkboxes always display +When PropertyInProjectIndicator (UID: 0100.0065, FID: Not on report) = +"false”, each checkbox displays with a checkmark in No. +When PropertyInProjectIndicator = "true”, a check mark displays in Yes for +one of the three checkboxes Condominium, Cooperative, Condop, the +other two display a check mark in No. + +3.014 + +Property on Native American Lands + +0100.0054 + +NativeAmericanLandsIndicator + +Checkbox always displays + +3.015 + +Subject Site Owned in Common + +0100.0047 + +LandOwnedInCommonIndicator + +Checkbox always displays + +3.016 + +Homeowner Responsible for all +Exterior Maintenance of Dwelling(s) + +0100.0046 + +HomeownerResponsibleForExteri +orMaintenanceIndicator + +Checkbox always displays + +3.017 + +New Construction + +0300.0010 + +NewConstructionIndicator + +Checkbox always displays + +3.018 + +Construction Stage + +0300.0066 + +ConstructionStatusType + +When NewConstructionIndicator = "true" AND +GovernmentAgencyAppraisalType = "FHA" OR "VA" + +Figure 3 - 1 + +Appendix B-1: URAR Implementation Guide v1.3 diff --git a/chunks/txt/9877cbef5be0b5ff8736b028b0690ae5bfb57cf9cb1b5eac3f35b2ab4d3a4f9d.txt b/chunks/txt/9877cbef5be0b5ff8736b028b0690ae5bfb57cf9cb1b5eac3f35b2ab4d3a4f9d.txt new file mode 100644 index 0000000000000000000000000000000000000000..83f8a92a31455d802b48277be56469ec73e78a6e --- /dev/null +++ b/chunks/txt/9877cbef5be0b5ff8736b028b0690ae5bfb57cf9cb1b5eac3f35b2ab4d3a4f9d.txt @@ -0,0 +1,87 @@ +PDF Display: +UAD Version 9/2011 + +String + +The latitude of the subject property + +String + +The longitude of the subject property + +String + +The latitude of the comparable property + +String + +The longitude of the comparable property + +545 + +3 + +227 + +RECONCILIATIO +N + +Appraisal Assignment Type +Subject Property Data +Collection Date +Subject Property Data +Collection Method +Subject Property Data +Collection Workforce + +AppraisalReportCo +ntentName + +Indicates the name or title of an appraisal +report form or addendum. (e.g., Extra +Comparable 4-5-6). + +/VALUATION_RESPONSE/REPORT/FORM/@AppraisalReportContentName + +150 + +String + +UAD Requirement - Refer to "Desktop & Hybrid Reference Tab" worksheet in +Appendix B + +The field captures the enumerated concatenated values for Desktop and Hybrid +Appraisals. + +If field 6-39 (Appraisal Inspection +Property Type = 'Subject' and Appraisal +Inspection Type = 'ExteriorOnly') is +indicated this field should be +populated. + +If field 6-27 (Supervisor Name) is +populated then one and only one of +fields 6-38, 6-39, 6-41 (Appraisal +Inspection Property Type = 'Subject' +and values of Appraisal Inspection +Type) should be indicated. + +If field 6-41 (Appraisal Inspection +Property Type = 'Subject' and Appraisal +Inspection Type = 'ExteriorAndInterior') +is indicated this field should be +populated. + +If field 6-27 (Supervisor Name) is +populated then one and only one of +fields 6-43, 6-44 (Appraisal Inspection +Property Type = ‘Comparable’ and +values of Appraisal Inspection Type) +should be indicated. + +If field 6-27 (Supervisor Name) is +populated then one and only one of +fields 6-43, 6-44 (Appraisal Inspection +Property Type = ‘Comparable’ and +values of Appraisal Inspection Type) +should be indicated. diff --git a/chunks/txt/9884283ef37a9a503445c5e2d070f1a1179934368536da63d2c32f0e2b9a7f09.txt b/chunks/txt/9884283ef37a9a503445c5e2d070f1a1179934368536da63d2c32f0e2b9a7f09.txt new file mode 100644 index 0000000000000000000000000000000000000000..bdeed8ba6d3031ce85bf0ac7feffb270a363bc51 --- /dev/null +++ b/chunks/txt/9884283ef37a9a503445c5e2d070f1a1179934368536da63d2c32f0e2b9a7f09.txt @@ -0,0 +1,117 @@ +The Wind Zone that the manufactured home was designed and constructed to +conform to, as shown on the HUD data plate or other source. +• +• +• + +Zone I +Zone II +Zone III + +Appendix F-1: URAR Reference Guide + +Page 118 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +09 Manufactured Home + +Report +Field ID + +9.014 + +Report Label + +When to Include + +HUD Thermal +Zone + +Required if HUD Data +Plate Attached is Yes +or if available + +9.015 + +HUD Roof Load +Zone + +Required if HUD Data +Plate Attached is Yes +or if available + +Manufactured Home – Dwellings – HUD Data Plate + +Allowable +Answers / Format + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Definition / Additional Guidance + +The Thermal Zone that the manufactured home was designed and constructed +to conform to, as shown on the HUD data plate or other source. +• +• +• + +Zone 1 +Zone 2 +Zone 3 + +The Roof Load Zone that the manufactured home was designed and +constructed to conform to, as shown on the HUD data plate or other source. +• Middle +• +North +• +South + +HUD Certification Label + +Note: If the HUD Certification Label is not available for all sections, indicate in Manufactured Home Commentary +(9.026) the source of the data provided. + +Manufactured Home – Dwellings – HUD Certification Label + +Report +Field ID + +9.016 + +Report Label + +When to Include + +Allowable +Answers / Format + +Label Present for +all Sections + +Always required + +Yes | No + +Definition / Additional Guidance + +Indicates whether the HUD Certification Label (also referred to as the HUD +Certification, Construction Code Label, Certification Label, HUD Label, or Red +Tag) is present and attached to all sections of the manufactured home. +• +• diff --git a/chunks/txt/989f84a06f5464efeb7448327ea9650b9e41304b2e37e7227b0ccfd071f5504c.txt b/chunks/txt/989f84a06f5464efeb7448327ea9650b9e41304b2e37e7227b0ccfd071f5504c.txt new file mode 100644 index 0000000000000000000000000000000000000000..26918a8bd7c66557b65f8b6f767d493d9da99971 --- /dev/null +++ b/chunks/txt/989f84a06f5464efeb7448327ea9650b9e41304b2e37e7227b0ccfd071f5504c.txt @@ -0,0 +1,111 @@ +Other (Describe) + +Select Other to enter an answer that is not in the above list. + +Appendix F-1: URAR Reference Guide + +Page 51 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Ground Rent + +03 Subject Property + +This subsection is for ground rents paid by individual owner(s) of the subject property. Reference the Project Information section +(18.019-18.022) for project ground rent. + +Report Label + +When to Include + +Allowable +Answers / Format + +Definition / Additional Guidance + +Subject Property: Ground Rent + +Report +Field ID + +3.022 + +Ground Rent +Annual Amount + +3.023 + +Renewable + +3.024 + +Term + +3.025 + +Expires + +3.026 + +Description of +Ground Rent +and Impact to +Value / +Marketability + +Dollar amount + +Annual amount agreed to be paid for the ground rent for the subject property. + +Yes | No + +Lease Renewable +Indicates whether the ground lease is renewable. + +Number + +Total number of years the ground lease is in effect (full term of the lease). + +Reference the appropriate government agency appraisal guidelines for more +information. + +mm/yyyy + +Expiration date of the ground lease. + +Free-form + +Provide commentary on the ground rent, sources of information, a description +of the impact to value and / or marketability, and any other details. + +Required if Property +Rights Appraised is +Leasehold and Site +Owned in Common is +No + +Required if Property +Rights Appraised is +Leasehold and Site +Owned in Common is +No + +Required for FHA, +USDA, and VA +appraisals when Lease +Renewable is Yes + +Required if Property +Rights Appraised is +Leasehold and Site +Owned in Common is +No + +Required if Property +Rights Appraised is +Leasehold and Site +Owned in Common is +No diff --git a/chunks/txt/98c43b050cdee026e5e8f3a258febc96e32b04b05dd3f0ac50e744caa2bd8d90.txt b/chunks/txt/98c43b050cdee026e5e8f3a258febc96e32b04b05dd3f0ac50e744caa2bd8d90.txt new file mode 100644 index 0000000000000000000000000000000000000000..216d6c25095bc70c21c7109b7a82179e5524bbf9 --- /dev/null +++ b/chunks/txt/98c43b050cdee026e5e8f3a258febc96e32b04b05dd3f0ac50e744caa2bd8d90.txt @@ -0,0 +1,151 @@ +90 + +89 + +Does the property generally conform to the neighborhood (functional utility, style, condition, use, construction, etc.)? Yes No If No, describe 94 + +92 + +93 + +I did did not research the sale or transfer history of the subject property and comparable sales. If not, explain 97 + +95 + +96 + +99 + +98 + +102 + +101 + +My research did did not reveal any prior sales or transfers of the subject property for the three years prior to the effective date of this appraisal. +Data source(s) 100 +My research did did not reveal any prior sales or transfers of the comparable sales for the year prior to the date of sale of the comparable sale. +Data source(s) 103 +Report the results of the research and analysis of the prior sale or transfer history of the subject property and comparable sales (report additional prior sales on page 3). +COMPARABLE SALE # 3 +108 +109 +110 +111 + +Date of Prior Sale/Transfer +Price of Prior Sale/Transfer +Data Source(s) +Effective Date of Data Source(s) +Analysis of prior sale or transfer history of the subject property and comparable sales. 112 + +COMPARABLE SALE # 1 +108 +109 +110 +111 + +COMPARABLE SALE # 2 +108 +109 +110 +111 + +SUBJECT +104 +105 +106 +107 + +ITEM + +P +R +O +J +E +C +T + +I +N +F +O +R +M +A +T +I +O +N + +P +R +O +J +E +C +T + +A +N +A +L +Y +S +I +S + +U +N +I +T + +D +E +S +C +R +I +P +T +I +O +N + +P +R +I +O +R + +S +A +L +E + +H +I +S +T +O +R +Y + +Freddie Mac Form 465 March 2005 226 + +Page 2 of 6 + +Fannie Mae Form 1073 March 2005 + +2 + +Individual Condominium Unit Appraisal Report + +File # 3 + +4 4a + +. +There are 5 comparable properties currently offered for sale in the subject neighborhood ranging in price from $ 6 to $ 7 +There are 8 comparable sales in the subject neighborhood within the past twelve months ranging in sale price from $ 9 to $ 10 . diff --git a/chunks/txt/98c6bf4b7422ba5c905008ef5bc2e98d8016970581bbf81697f0cba53a748a35.txt b/chunks/txt/98c6bf4b7422ba5c905008ef5bc2e98d8016970581bbf81697f0cba53a748a35.txt new file mode 100644 index 0000000000000000000000000000000000000000..7cab683b4d344ce049ae03dad964dbad81e17e34 --- /dev/null +++ b/chunks/txt/98c6bf4b7422ba5c905008ef5bc2e98d8016970581bbf81697f0cba53a748a35.txt @@ -0,0 +1,62 @@ +ProrationItemPaidThroughDate + +2024-04-30 + +10.017 + +ProrationItemType + +Utilities + +Figure 40. XML Snippet-Prepaid Line Items. + + +… + + + + + + + + + +DueFromBorrowerAtClosing +AdjustmentsForItemsPaidBySellerInAdvance +5.00 + +UCD v2.0 Implementation Guide + +- 55 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 40. XML Snippet-Prepaid Line Items. + +2024-04-15 +2024-04-30 +CityPropertyTax + + + + +DueFromBorrowerAtClosing +AdjustmentsForItemsPaidBySellerInAdvance +3.00 +2024-04-15 +2024-04-30 +HomeownersAssociationDues + + + + +PaidAlreadyByOrOnBehalfOfBorrowerAtClosing +AdjustmentsForItemsUnpaidBySeller +36.00 +2024-04-15 +2024-04-30 +CountyPropertyTax diff --git a/chunks/txt/98d17a6b413c6a606bac01d942a0e5daea1921abd14bc5457d854cf30da293ba.txt b/chunks/txt/98d17a6b413c6a606bac01d942a0e5daea1921abd14bc5457d854cf30da293ba.txt new file mode 100644 index 0000000000000000000000000000000000000000..1886269d0fdc8319da9ea6c9a6d09c96eb273eec --- /dev/null +++ b/chunks/txt/98d17a6b413c6a606bac01d942a0e5daea1921abd14bc5457d854cf30da293ba.txt @@ -0,0 +1,7 @@ +Section 7: Military Service ................................................................................................................. 27 + +Section 8: Demographic Information .................................................................................................. 27 + +Section 9: Loan Originator Information .............................................................................................. 28 + +Lender Loan Information .................................................................................................................... 28 diff --git a/chunks/txt/98e552fed6af9823cfa4918ea6b2a6732cb02af08177860af3652b862f53be42.txt b/chunks/txt/98e552fed6af9823cfa4918ea6b2a6732cb02af08177860af3652b862f53be42.txt new file mode 100644 index 0000000000000000000000000000000000000000..43f8f30bdf7aa534644ada01ba8eec1d4ac9e2a4 --- /dev/null +++ b/chunks/txt/98e552fed6af9823cfa4918ea6b2a6732cb02af08177860af3652b862f53be42.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 + +# LIBOR Transition + +*Note: Sign up at bottom of the page to subscribe and be notified of updates.* + +Fannie Mae, Freddie Mac, and the Federal Home Loan Banks (FHLBanks) all have financial instruments that reference [Intercontinental Exchange London Interbank Offered Rate (ICE LIBOR)](https://www.theice.com/iba/libor), the most widely used int​erest rate benchmark in the world. [Since 2017](https://www.fca.org.uk/news/speeches/the-future-of-libor), the Financial Conduct Authority, the United Kingdom-based regulator of LIBOR, has been warning market participants that it will stop compelling panel banks to submit LIBOR quotes beginning in 2022, [which could result in a declaration that LIBOR](https://www.fca.org.uk/news/speeches/libor-preparing-end) is no longer representative of market activity. On March 5, 2021, the FCA announced that the publication of 1-week and 2-month US dollar LIBOR will cease after December 31, 2021, and the publication of all other US dollar LIBOR settings will cease or be deemed unrepresentative after June 30, 2023. diff --git a/chunks/txt/98eda7d32985a12f3d21341f12d517ed3e4b6639fa0941afbcb5e329db46a275.txt b/chunks/txt/98eda7d32985a12f3d21341f12d517ed3e4b6639fa0941afbcb5e329db46a275.txt new file mode 100644 index 0000000000000000000000000000000000000000..ad93bf9ce0cd1454d767fb3d54638dad647b0234 --- /dev/null +++ b/chunks/txt/98eda7d32985a12f3d21341f12d517ed3e4b6639fa0941afbcb5e329db46a275.txt @@ -0,0 +1,104 @@ +Cable + +Other (describe) + +materials/condition + +Amenities + +Appliances + +Car Storage + +General Description + +Floor # +# of Levels +Heating Type + +Fuel + +Interior +Floors +Walls +Trim/Finish + +Central AC + Other (describe) + +Individual AC Bath Wainscot + +Doors + +Finished area above grade contains: +Are the heating and cooling for the individual units separately metered? + +Rooms + +Bedrooms + Yes + +Fireplace(s) # + Woodstove(s) # + Deck/Patio + Porch/Balcony + Other + +Refrigerator + Range/Oven + Disp + Dishwasher + Washer/Dryer + +Microwave + +Assigned +Parking Space # +Square Feet of Gross Living Area Above Grade + No If No, describe and comment on compatibility to other projects in the market area. + +Owned + +Bath(s) + +None + Garage + +# of Cars + +Covered + +Open + +Additional features (special energy efficient items, etc.) + +Describe the condition of the property (including needed repairs, deterioration, renovations, remodeling, etc.). + +Are there any physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property? + +Yes + +No If Yes, describe + +Does the property generally conform to the neighborhood (functional utility, style, condition, use, construction, etc.)? + +Yes + +No If No, describe + +I + +did + +did not research the sale or transfer history of the subject property and comparable sales. If not, explain + +did + +did not reveal any prior sales or transfers of the subject property for the three years prior to the effective date of this appraisal. + +My research +Data source(s) +My research +Data source(s) +Report the results of the research and analysis of the prior sale or transfer history of the subject property and comparable sales (report additional prior sales on page 3). +COMPARABLE SALE # 3 diff --git a/chunks/txt/98f1345d0c0a006bd9e9337793148a4d4fb1fbf82ff0eca7215e79e2d43c3fa2.txt b/chunks/txt/98f1345d0c0a006bd9e9337793148a4d4fb1fbf82ff0eca7215e79e2d43c3fa2.txt new file mode 100644 index 0000000000000000000000000000000000000000..da68462d15c2dcb9a8d5bfc2b9738785e789ac32 --- /dev/null +++ b/chunks/txt/98f1345d0c0a006bd9e9337793148a4d4fb1fbf82ff0eca7215e79e2d43c3fa2.txt @@ -0,0 +1,73 @@ +4. Single-Family Data Field 37: +Mortgage Purchased Under Enterprise’s +Community Lending Program + +This data field identifies mortgages +purchased under Enterprise-specific +landing programs. FHFA no longer +requires the Enterprises to report this +data for housing goals purposes. +Accordingly, footnote (7) to this data +field in the single-family matrix +indicates that this data field is not +applicable for 2010 and beyond. + +5. Single-Family Data Field 39 and +Multifamily Data Field 37: Enterprise +Real Estate Owned + +This data field identifies properties +owned by an Enterprise as a result of +foreclosure or other impairment. FHFA +no longer requires the Enterprises to + +report this data for housing goals +purposes. Accordingly, footnotes (7) and +(5) to this data field in the single-family +and multifamily matrices, respectively, +indicate that the data field is not +applicable for 2010 and beyond. + +6. Multifamily Data Field 38: Public +Subsidy Program + +This data field identifies the type of +public subsidy, if applicable, provided +in connection with a multifamily loan +purchased by an Enterprise. FHFA no +longer requires the Enterprises to report +this data for housing goals purposes. +Accordingly, footnote (5) to this data +field in the multifamily matrix indicates +that this data field is not applicable for +2010 and beyond. + +B. Revisions to Conform to HERA +Changes + +1. Single-Family Data Field 17: +Borrower Income Ratio + +This data field identifies the ratio of +the borrower’s annual income (data field +15) to the AMI (data field 16). Effective +for 2010 and beyond, HERA eliminated +the previous low- and moderate-income +housing goal (100 percent of AMI or +below) and special affordable housing +goal (which includes units affordable at +60 percent of AMI or below) and, among +other things, established new single- +family housing goals for low-income +families (80 percent of AMI or below) +and very low-income families (defined +by HERA as 50 percent of AMI). +Accordingly, footnote (7) to data field 17 +in the single-family matrix indicates +that the pre-HERA income categories +therein are not applicable to 2010 and +beyond. FHFA has revised the income +categories in data field 17a to reflect the +new HERA income limits effective for +2010 and beyond, as indicated in +footnote (8) of the single-family matrix. diff --git a/chunks/txt/98f65bfe7442f3861f7e682d015c162ba2e8052e24d623fa985b7407055177d4.txt b/chunks/txt/98f65bfe7442f3861f7e682d015c162ba2e8052e24d623fa985b7407055177d4.txt new file mode 100644 index 0000000000000000000000000000000000000000..b355b4e1528eca770e13b6d6d51b71be2b00d89b --- /dev/null +++ b/chunks/txt/98f65bfe7442f3861f7e682d015c162ba2e8052e24d623fa985b7407055177d4.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/reports" +date_accessed: "2026-01-27T17:47:50.162Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/9903ad14639993e54756fb174f25840ba26465b0e3c916aea18dce1bbdf9a956.txt b/chunks/txt/9903ad14639993e54756fb174f25840ba26465b0e3c916aea18dce1bbdf9a956.txt new file mode 100644 index 0000000000000000000000000000000000000000..9b1ab5583649c7aff49faa03616d27369b318c59 --- /dev/null +++ b/chunks/txt/9903ad14639993e54756fb174f25840ba26465b0e3c916aea18dce1bbdf9a956.txt @@ -0,0 +1,162 @@ +Uniform Residential Appraisal Report + +Page 7 of 22 + +Unit Interior - Primary Dwelling (continued) + +Level and Room Detail + +Level in Unit +Level B1 + +Grade Level Detail +Partially Below Grade +Interior and Exterior Access +Walk Out + +Level 1 + +Above Grade + +Finish +Finished + +Unfinished + +Finished + +Area +640 Sq. Ft. + +616 Sq. Ft. + +1,960 Sq. Ft. + +Level 2 + +Above Grade + +Finished + +1,344 Sq. Ft. + +Quality and Condition + +Interior Quality Rating + +Q4 + +Interior Condition Rating + +C4 + +The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report + +Kitchen and Bathroom Details + +Room Summary +1 - Family Room + +1 - Bath - Full +1 - Bath - Half +1 - Bedroom +1 - Dining Room +1 - Family Room +1 - Kitchen +1 - Living Room + +2 - Bath - Full +4 - Bedroom + +Room +Kitchen +Level 1 + +Bath - Full +Level 1 + +Bath - Full +Level 2 + +Bath - Full +Level 2 + +Bath - Half +Level 1 + +Update Status +Partially Updated + +Time Frame +1-5 years + +Quality Comment +Upgraded counters + +Condition Status +New or Like New + +Condition Comment +Recently updated + +Fully Updated + +1-5 years + +Not Updated + +Not Updated + +Upgraded shower, +fixtures, floor + +Standard grade fixtures, +floors, and cabinetry + +Standard grade fixtures, +floors, and cabinetry + +New or Like New + +Recently updated + +Typical Wear and Tear + +Well-maintained + +Typical Wear and Tear + +Well-maintained + +Partially Updated + +1-5 years + +Upgraded fixtures + +New or Like New + +Recently updated + +Overall Update Status for +Bathrooms + +Moderately Updated + +Interior Features + +Feature +Flooring + +Detail +Carpet + +Ceramic Tile + +Engineered Wood + +Vinyl + +Walls and Ceiling + +8 Ft. | 9 Ft. | Flat diff --git a/chunks/txt/9926eea7502503fbfd1fed20b0e85021598f3067c99deab613a9b59b8b422b3b.txt b/chunks/txt/9926eea7502503fbfd1fed20b0e85021598f3067c99deab613a9b59b8b422b3b.txt new file mode 100644 index 0000000000000000000000000000000000000000..5c6b7a00c0f5a4ee892ba6b4661d60cc7d2bc6e1 --- /dev/null +++ b/chunks/txt/9926eea7502503fbfd1fed20b0e85021598f3067c99deab613a9b59b8b422b3b.txt @@ -0,0 +1,77 @@ +• + +1 new edit with a severity of Fatal + +ULDD- +MISMO 3.0 + +There are two options for a lender to resolve edit D323 +and deliver the loan: + +1. Resubmit the DU loan casefile: Lenders can +resubmit the loan casefile to DU after the PDC +has been submitted to the Fannie Mae Property +Data API for DU message ID 3713 to be received. +LD caches data for 24 hours, so the lender +should resubmit to DU and then wait 24 hours +and resubmit to EarlyCheck. + +NOTE:  If the lender did not submit the PDC to the +API prior to the note date the loan is not eligible for +delivery with SFC 774, even if DU message ID 3713 +was received. + +2. Remove SFC 774. If the lender provided SFC + +774 in error, removing the SFC will resolve edit +D323 + +Refer to Value Acceptance + Property Data +Fact Sheet for more information. + +ULDD- +MISMO 3.0 + +See DU V. 11.1 Release I Nov. 18, 2023 for more details. + +© 2024 Fannie Mae + +November 2023 + +Effective +Date + +Impacted +Area + +Version + +Description + +File +Type + +Impact + +Nov 20 + +Edit Updates + +7.6.8 + +Edits changing severity are related to Interest Rate and +Value Acceptance + +ULDD- +MISMO 3.0 + +• + +3 edits with changing severity from +Warning-to-Fatal to Fatal + +For information on EarlyCheck enhancements prior to January 2023, please refer to the Release Notes archive document available on the EarlyCheck homepage. + +© 2024 Fannie Mae + +November 2023 diff --git a/chunks/txt/9928a0fd2febc8c581184a8ff2b123cb2f6291192d0a645ca11ba93e3163aa93.txt b/chunks/txt/9928a0fd2febc8c581184a8ff2b123cb2f6291192d0a645ca11ba93e3163aa93.txt new file mode 100644 index 0000000000000000000000000000000000000000..93c3c3145328202e145095e51ba01ca3edd6c578 --- /dev/null +++ b/chunks/txt/9928a0fd2febc8c581184a8ff2b123cb2f6291192d0a645ca11ba93e3163aa93.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"taxonomy\/term\/241","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\/enterprise-non-performing-loan-sales-report":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. 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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. + +Car Storage, Driveway, Garage, Carport +The appraiser must indicate whether the +subject property has a driveway, garage, +and/or carport, or has no car storage. If the +subject property has a driveway, garage, +and/or carport, the appraiser must enter the +number of spaces for each type of car +storage; if none, enter the numeral zero (0). + +Reporting Format: +Car Storage Types – Checkbox(es) +designated with an ‘x’ + # of Cars - Numeric to 2 digits, whole +numbers only + +• 1004/70 + +REQUIREMENT + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073*/465* + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075*/466* + +*CAR STORAGE AND # +CARS FIELDS ARE +LOCATED IN UNIT +DESCRIPTION +SECTION + +Finished Area Above Grade Contains + +• 1004/70 + +REQUIREMENT + +Rooms + +The appraiser must enter the total number of +finished rooms above grade. + +Reporting Format: +# of Rooms – Numeric to 2 digits, whole +numbers only + +• 1004 Hybrid/70H + +• 1004 Desktop/70D + +• 2055/2055 + +• 1073*/465* + +• 1073 Hybrid/465H + +• 1073 Desktop/465D + +• 1075*/466* + +* FIELD IS LOCATED IN +UNIT DESCRIPTION +SECTION + +Finished Area Above Grade Contains + +• 1004/70 + +REQUIREMENT + +Bedrooms + +This appraiser must enter the total number of +bedrooms above grade. diff --git a/chunks/txt/995802595ecbc123809fa0b8cbfdb5ea49bb69d1b86fc41d46df9b82af74bbcb.txt b/chunks/txt/995802595ecbc123809fa0b8cbfdb5ea49bb69d1b86fc41d46df9b82af74bbcb.txt new file mode 100644 index 0000000000000000000000000000000000000000..7b4c9ce863af3af53356f004b7b1aab8ef2cea09 --- /dev/null +++ b/chunks/txt/995802595ecbc123809fa0b8cbfdb5ea49bb69d1b86fc41d46df9b82af74bbcb.txt @@ -0,0 +1,103 @@ +Project Primary +Occupancy Type + +Specifies the primary type of occupancy of +the Project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_PrimaryOccupancyType +='SecondHome'] + +PROJECT +INFORMATION + +Project Primary Occupancy +Tenant + +Project Primary +Occupancy Type + +Specifies the primary type of occupancy of +the Project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_PrimaryOccupancyType +='Tenant'] + +PROJECT +INFORMATION + +PROJECT +INFORMATION + +Is the developer/builder in +control of the Homeowners' +Association (HOA)? +Yes + +Is the developer/builder in +control of the Homeowners' +Association (HOA)? +No + +Project Developer +Controls Project +Management +Indicator + +Project Developer +Controls Project +Management +Indicator + +Indicates that developer is in control of +the project's management (e.g., HOA). + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DeveloperControlsProje +ctManagementIndicator=‘Y’] + +Indicates that developer is in control of +the project's management (e.g., HOA). + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DeveloperControlsProje +ctManagementIndicator=‘N’] + +PROJECT +INFORMATION + +Management Group +Homeowners' Association + +Project +Management Type + +Identifies type of management associated +with the project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ManagementType='Ho +meownersAssociation'] + +PROJECT +INFORMATION + +Management Group +Developer + +Project +Management Type + +Identifies type of management associated +with the project. + +/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ManagementType='Dev +eloper'] + +PROJECT +INFORMATION + +Management Group +Management Agent + +Project +Management Type + +Identifies type of management associated +with the project. diff --git a/chunks/txt/995a2ba2f86308f813f5ffcb336120da9af2ff797ac3f9077a0c69e681b927c4.txt b/chunks/txt/995a2ba2f86308f813f5ffcb336120da9af2ff797ac3f9077a0c69e681b927c4.txt new file mode 100644 index 0000000000000000000000000000000000000000..c4c983b112d846d18b38a89e3fd5d3365db54968 --- /dev/null +++ b/chunks/txt/995a2ba2f86308f813f5ffcb336120da9af2ff797ac3f9077a0c69e681b927c4.txt @@ -0,0 +1,144 @@ +Always required + +Q1 to Q6 + +Unit Interior +• + +Interior Quality +Rating 10.034 + +No + +The Interior Quality Rating for the ADU provides support for the Overall +Quality Rating. Adjustments are made in the Overall Quality Rating row. +Reference Appendix 2: Condition and Quality Rating Definitions for +definitions. + +Appendix F-1: URAR Reference Guide + +Page 259 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Report Label + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: ADU Interior Quality and Condition + +Report +Field ID + +22.10.03 +22.10.18 + +Kitchen + +If relevant + +Required when the +row is included in the +sales comparison grid + +Free-form + +22.10.04 +22.10.19 + +Overall +Bathrooms + +If relevant + +Required when the +row is included in the +sales comparison grid + +Free-form + +22.10.05 +22.10.20 + +Overall +Flooring + +If relevant + +Required when the +row is included in the +sales comparison grid + +Free-form + +22.10.06 +22.10.21 + +Walls and +Ceiling + +If relevant + +Required when the +row is included in the +sales comparison grid + +Free-form + +If relevant, for +each +additional +feature + +Required when the +row is included in the +sales comparison grid + +Free-form + +22.10.08 +22.10.22 + +[Other Interior +Feature] +22.10.07 +Other Interior +Feature +Description +10.044 +populates +from Unit +Interior + +Kitchen Quality +Summary does not +populate from Unit +Interior; the appraiser +must enter information +for the subject property + +Overall Bathrooms +Quality Summary does +not populate from Unit +Interior; the appraiser +must enter information +for the subject property diff --git a/chunks/txt/996a1a0b74fff064b215b1a2c4dc287eb1532e5cd88448c3d0ba1c372eacc319.txt b/chunks/txt/996a1a0b74fff064b215b1a2c4dc287eb1532e5cd88448c3d0ba1c372eacc319.txt new file mode 100644 index 0000000000000000000000000000000000000000..e15d9e4fc2a0f4be260503f620781c78a768b1f6 --- /dev/null +++ b/chunks/txt/996a1a0b74fff064b215b1a2c4dc287eb1532e5cd88448c3d0ba1c372eacc319.txt @@ -0,0 +1,67 @@ +Unless otherwise noted, comments + +regarding each of these applications +must be received at the Reserve Bank +indicated or the offices of the Board of +Governors not later than August 9, 2010. + +A. Federal Reserve Bank of + +Richmond (A. Linwood Gill, III, Vice +President) 701 East Byrd Street, +Richmond, Virginia 23261–4528: + +1. CapGen Capital Group VI LLC, and + +CapGen Capital Group VI LP, both of +New York, New York; to become bank +holding companies by acquiring up to +49.9 percent of the voting shares of +Hampton Roads Bankshares, Inc., and +Bank of Hampton Roads, both of +Norfolk, Virginia, and Shore Bank, +Onley, Virginia. + +Board of Governors of the Federal Reserve + +System, July 12, 2010. +Jennifer J. Johnson, +Secretary of the Board. +[FR Doc. 2010–17286 Filed 7–14–10; 8:45 am] + +BILLING CODE 6210–01–S + +FEDERAL TRADE COMMISSION + +Granting of Request for Early +Termination of the Waiting Period +Under the Premerger Notification +Rules + +Section 7A of the Clayton Act, 15 +U.S.C. 18a, as added by Title II of the +Hart-Scott Rodino Antitrust +Improvements Act of 1976, requires +persons contemplating certain mergers +or acquisitions to give the Federal Trade +Commission and the Assistant Attorney +General advance notice and to wait +designated periods before +consummation of such plans. Section +7A(b)(2) of the Act permits the agencies, +in individual cases, to terminate this +waiting period prior to its expiration +and requires that notice of this action be +published in the Federal Register. +The following transactions were + +granted early termination of the waiting +period provided by law and the +premerger notification rules. The grants +were made by the Federal Trade +Commission and the Assistant Attorney +General for the Antitrust Division of the +Department of Justice. Neither agency +intends to take any action with respect +to these proposed acquisitions during +the applicable waiting period. diff --git a/chunks/txt/9975f9ff8f6f3822ac8dab0e7a310ea7317d39a59f830bbd7deb2d950c0af9c7.txt b/chunks/txt/9975f9ff8f6f3822ac8dab0e7a310ea7317d39a59f830bbd7deb2d950c0af9c7.txt new file mode 100644 index 0000000000000000000000000000000000000000..c9d43f5e71f78bc56bb33193ff3cfdab1f6f4b19 --- /dev/null +++ b/chunks/txt/9975f9ff8f6f3822ac8dab0e7a310ea7317d39a59f830bbd7deb2d950c0af9c7.txt @@ -0,0 +1,76 @@ +• “Site Features Commentary” sets as TXC-B x 45 picas (bold lead in to Myriad Pro Regular + +text). + +Utilities and Impact to Value/Marketability (H1) + +Left-hand side of page + +• + +“Broadband Internet Available” sets as TXR-B, TXR . + +Right-hand side of page + +• + +“Dwelling/Improvement within Utility Easement” TXR-B, TXR . + +Utilities table + +• Column heads: Column 1 – none; “Public,” “Private,” “Detail,” “Private Utility Impact,” + +“Comment” set as TCH in 6 column table x 45 picas. + +Appendix E: Report Style Guide + +Page 39 of 90 + +Version 1.4 + +• Column 1, 4, 5: + +7 picas wide (~28 characters max per line in each cell). + +• Column 2 and 3: 4 picas wide (~16 characters max per line in each cell). + +• Column 6: + +16 picas wide (~64 characters max per line in each cell). + +• Content sets as TB. + +UTILITIES TABLE + +Apparent Defects, Damages, Deficiencies (Site) (H1) + +If applicable per iGuide, set “None” as TXC. + +If applicable per iGuide, the following statement sets as TXC-I x 45 picas below H1: “The items listed below +represent the As Is condition as of the effective date of this report”. + +Site DDD table + +• Column heads: “Feature,” “Location,” “Description,” “Affects Soundness or Structural + +Integrity,” “Recommended Action” set as TCH in 5 column table x 45 picas. + +• Columns 1, 2, 4, 5: 8 picas wide (~32 characters max per line in each cell). + +• Column 3: + +13 picas wide (~52 characters max per line in each cell). + +• Content sets as TB. + +DEFECTS, DAMAGES, DEFICIENCIES TABLE + +Site Valuation Methodology (H1) + +Left-hand side of page + +• + +“Opinion of Site Value” sets as TXR-B, TXR. + +Right-hand side of page diff --git a/chunks/txt/99762be18ecd9cfc5d54f3fc87e67fb8cd9786cd780acb11fabf0a8bb8fe51c2.txt b/chunks/txt/99762be18ecd9cfc5d54f3fc87e67fb8cd9786cd780acb11fabf0a8bb8fe51c2.txt new file mode 100644 index 0000000000000000000000000000000000000000..bd6de512991d8fd30c80e2ba7d89fe06fef60381 --- /dev/null +++ b/chunks/txt/99762be18ecd9cfc5d54f3fc87e67fb8cd9786cd780acb11fabf0a8bb8fe51c2.txt @@ -0,0 +1,78 @@ +/VALUATION_RESPONSE/PROPERTY/SITE +/@HighestBestUseDescription + +4000 + +String + +Note: All text entered in this field, including overflow into the addendum, must +be captured and included in the XML data point. + +This field should be populated if field 1-97 +(Highest and Best indicator = 'N') is indicated. + +105 + +1 + +99 + +SITE + +Utilities +Electricity +Public + +Site Utility Public +Indicator + +Indicates whether the utility specified +by Site Utility Type is a public utility. + +/VALUATION_RESPONSE/PROPERTY/SITE +/SITE_UTILITY[@_Type='Electricity']/@_Publ +icIndicator + +1 + +Boolean + +UAD Requirement - Refer to Appendix D Site Section +A value of 'Y' indicates that the box has been checked, a value of 'N' indicates +that the box has not been checked. + +If no electric service is present, indicate 'None' in the description field. + +If utilities are present, at least one of fields 1- +99, 1-100 (Site Utility Public Indicator = 'Y' +or Site Utility Non Public Indicator = 'Y') +must be indicated. If no utilities are present +'None' must be populated in field 1-101 (Site +Utility Non Public Description). + +CR + +CR + +CR + +This field should be populated if field 1-93 +(Site Zoning Compliance Type = 'NoZoning') +is not indicated. + +This field should be populated if field 1-93 +(Site Zoning Compliance Type = 'NoZoning') +is not indicated. + +One and only one of fields 1-91, 1-92, 1-93, 1- +94 (values of Site Zoning Compliance Type) +should be indicated. +One and only one of fields 1-91, 1-92, 1-93, 1- +94 (values of Site Zoning Compliance Type) +should be indicated. +One and only one of fields 1-91, 1-92, 1-93, 1- +94 (values of Site Zoning Compliance Type) +should be indicated. +One and only one of fields 1-91, 1-92, 1-93, 1- +94 (values of Site Zoning Compliance Type) +should be indicated. diff --git a/chunks/txt/99768a0a0ee31ea5dc34b00536efc3abe889e01c5a201b0f17a5d5b7b49a3adc.txt b/chunks/txt/99768a0a0ee31ea5dc34b00536efc3abe889e01c5a201b0f17a5d5b7b49a3adc.txt new file mode 100644 index 0000000000000000000000000000000000000000..fd10d16a5c7e059f4cd7ca42b3d36c5caddd907c --- /dev/null +++ b/chunks/txt/99768a0a0ee31ea5dc34b00536efc3abe889e01c5a201b0f17a5d5b7b49a3adc.txt @@ -0,0 +1,39 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +# Stress Tests Reports - Fannie Mae & Freddie Mac + +## Breadcrumb + +- [Home](/) + - [Reports](/reports) + - Stress Tests Reports - Fannie Mae & Freddie Mac + +Fannie Mae and Freddie Mac (the “Enterprises”) are required to conduct annual stress tests pursuant to Federal Housing Finance Agency (FHFA) rule 12 CFR 1238, which implements section 165(i)(2) of the Dodd-Frank Wall Street Reform and Consumer Protection Act (the “Dodd-Frank Act”). Section 165(i)(2) of the Dodd-Frank Act, as amended by section 401 of the Economic Growth, Regulatory Relief, and Consumer Protection Act (“EGRRCPA”) requires certain financial companies with total consolidated assets of more than $250 billion, that are regulated by a primary federal financial regulatory agency, to conduct periodic stress tests to determine whether the companies have the capital necessary to absorb losses as a result of severely adverse economic conditions. These changes became effective on March 24, 2020. diff --git a/chunks/txt/997b028975cc7cd03a4dd4a8830df18b04e855978f68b6afb62686569e4bb3c4.txt b/chunks/txt/997b028975cc7cd03a4dd4a8830df18b04e855978f68b6afb62686569e4bb3c4.txt new file mode 100644 index 0000000000000000000000000000000000000000..260b595f30dde8182c6ac01b3a621d12c360673f --- /dev/null +++ b/chunks/txt/997b028975cc7cd03a4dd4a8830df18b04e855978f68b6afb62686569e4bb3c4.txt @@ -0,0 +1,14 @@ +Available Now in Limited Production: UAD 3.6 and Forms Redesign: Sept. 8, 2025 + +After over five years of preparation, the Limited Production Period for the Uniform Appraisal Dataset (UAD) 3.6 and Forms Redesign is finally here! This period innovates the appraisal space with improved data standardization, a simplified review process, and dynamic reporting. Fannie Mae and Freddie Mac (the GSEs) have completed their system and policy updates and are ready to work with lenders and appraisal software vendors to implement UAD 3.6. + +Participating in the Limited Production Period offers lenders an opportunity to experience the new UAD and redesigned Uniform Residential Appraisal Report (URAR) in their production environment with hands-on, high-touch support from the GSEs. + +Lenders, appraisal software vendors, and their partners may have different timelines for adopting the new UAD and redesigned URAR. As industry participants become ready, the GSEs will continue to work with them to implement new technologies and processes, supporting a smooth transition to these transformational appraisal enhancements. + +Even if lenders aren’t planning to participate in the Limited Production Period, they’re encouraged to start planning and preparing for their UAD transition now.***Lenders should take these steps:*** + +- Visit the[Freddie Mac](https://sf.freddiemac.com/tools-learning/uniform-mortgage-data-program/uad)and[Fannie Mae](https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset) UAD webpages to access valuable resources. +- Review the [UAD timeline](/media/document/pdf/uad-and-forms-redesign-timeline). +- Access the [UAD Lender Readiness Kit](/media/document/pdf/uad-lender-readiness-kit)and [Limited Production Lender Readiness Questionnaire](/media/document/pdf/uad-lender-readiness-questionnaire) and use them as a roadmap for planning. +- Take the [industry training](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html). diff --git a/chunks/txt/998b01226a496e63113a10642e9db3214d770e5669c4665be66725322c834f37.txt b/chunks/txt/998b01226a496e63113a10642e9db3214d770e5669c4665be66725322c834f37.txt new file mode 100644 index 0000000000000000000000000000000000000000..88985890f308acc660587ef0c6626e87330201cb --- /dev/null +++ b/chunks/txt/998b01226a496e63113a10642e9db3214d770e5669c4665be66725322c834f37.txt @@ -0,0 +1,41 @@ +[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 + +# Prepayment Monitoring Report + +## Breadcrumb + +- [Home](/) + - [Reports](/reports) + - Prepayment Monitoring Report + +Fannie Mae and Freddie Mac began issuing the Uniform Mortgage-Backed Securities (UMBS) on June 3, 2019. + +This quarterly report provides market participants additional transparency into a sample of the data FHFA receives and reviews on a monthly basis. The report focuses on alignment of prepayment rates, which continues to be important to the success of UMBS and to the efficiency and liquidity of the secondary mortgage market. Ex post monitoring of prepayment rates is part of a broader effort to assure investors that cash flows from UMBS will be similar regardless of which Enterprise is the issuer. diff --git a/chunks/txt/9990c7e0ab23938ab86bf96048b6872dad1af52f653a5b4e7b6f7e1cb2036f58.txt b/chunks/txt/9990c7e0ab23938ab86bf96048b6872dad1af52f653a5b4e7b6f7e1cb2036f58.txt new file mode 100644 index 0000000000000000000000000000000000000000..a2d42347949c2029d77cdf6a9dbbd1bd5dd41702 --- /dev/null +++ b/chunks/txt/9990c7e0ab23938ab86bf96048b6872dad1af52f653a5b4e7b6f7e1cb2036f58.txt @@ -0,0 +1,155 @@ +A value of 'Y' indicates that the box has been checked and a full basement +exists, a value of 'N' indicates that the box has not been checked. + +Boolean + +Note: Foundation Type = 'Basement' indicates a full basement, as opposed to +a partial basement. + +Boolean + +A value of 'Y' indicates that the box has been checked and a partial basement +exists, a value of 'N' indicates that the box has not been checked. + +Numeric + +Numeric + +UAD Requirement - Refer to Appendix D Improvements Section +The appraisal report must indicate the square footage of the basement in +numeric format, whole numbers only. If there is no basement, a value of zero +(0) must be entered. +UAD Requirement - Refer to Appendix D Improvements Section +The appraisal report must indicate the percentage of the basement that is +considered finished in whole percentage points (e.g. a value of 25 indicates +25%). If there is no basement, a value of zero (0) must be entered. + +Boolean + +A value of 'Y' indicates that an outside entry/exit exists, a value of 'N' indicates +that the box has not been checked. + +Boolean + +A value of 'Y' indicates that a sump pump exists, a value of 'N' indicates that +the box has not been checked. + +T + +T + +T + +R + +R + +T + +T + +T + +T + +T + +R + +R + +T + +T + +T + +T + +T + +R + +R + +T + +T + +T + +T + +T + +R + +R + +T + +T + +T + +T + +T + +R + +R + +T + +T + +T + +T + +T + +R + +R + +T + +T + +Form FNM 1004 FRE 70 +Appendix B: GSE Appraisal Forms Mapping + +Page 42 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form +Section + +Form Field Label + +Data Point Name + +Data Point Definition + +Xpath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description diff --git a/chunks/txt/99986aa03207f96208141e581dd1eeeaa595da4a0b23f13c46ad47768940b5c0.txt b/chunks/txt/99986aa03207f96208141e581dd1eeeaa595da4a0b23f13c46ad47768940b5c0.txt new file mode 100644 index 0000000000000000000000000000000000000000..4c7a94b4b992cce5d0129365acc626c31321fefc --- /dev/null +++ b/chunks/txt/99986aa03207f96208141e581dd1eeeaa595da4a0b23f13c46ad47768940b5c0.txt @@ -0,0 +1,83 @@ +Geographically Targeted Indicator indicating whether the property is in census tracts +annually classified as underserved by HUD +1=yes; +2=no + +Interest Rate +Loan Amount in Whole Dollars +Front-end Ratio +Back-end Ratio +Credit Scores are separated into ranges: 1 = <620, 2 = 620 to < 660, 3 = 660 < 700, 4 = 700 +< 760, 5 = 760 or greater 9=missing + +Credit Scores are separated into ranges: 1 = <620, 2 = 620 to < 660, 3 = 660 < 700, 4 = 700 +< 760, 5 = 760 or greater, 9 = missing or no co-borrower + +Percent of the original loan balance covered by primary mortgage insurance (PMI) +0=no PMI + +Self-Employed Indicator +1=yes; +2=no +Property Type +PT01=Single family detached; +PT02=Deminimus PUD; +PT03=Single Family Attached; +PT04=Two family; +PT05=Townhouse; +PT06=Low-Rise Condominium; +PT07=PUD; +PT08=Duplex; +PT09=three family; +PT10=Four family; +PT11=Hi-Rise condominium; +PT12=Manufactured Home + +ARM Index +01=11th District Cost of Funds; +02=Other Cost of Funds Index; +03=LIBOR; +04=1 year Constant Treasury Rate +99=Not an ARM + +ARM Margin +99999=Not an ARM + +Prepayment Penalty Date +12/31/9999=No Prepayment Penalty Date + +Page 3 of 5 + +Column + +67 BoEth + +68 Race2 + +69 Race3 + +70 Race4 + +71 Race5 + +72 CoEth + +73 CoRace2 + +74 CoRace3 + +AMA_PUDB_definitions_2016 + +Definition +Borrower Ethnicity +1 -- Hispanic or Latino +2 -- Not Hispanic or Latino +3 -- Information not provided by borrower in mail, Internet, or telephone application + +Borrower Race 2 +1 -- American Indian or Alaska Native +2 -- Asian +3 -- Black or African American +4 -- Native Hawaiian or Other Pacific Islander +5 -- White +6 -- Information not provided by borrower in mail, Internet, or telephone application diff --git a/chunks/txt/999a177297eecf6a3625dae3b4821da91cb91a07e5cfa9e4f98eecc7cbe06990.txt b/chunks/txt/999a177297eecf6a3625dae3b4821da91cb91a07e5cfa9e4f98eecc7cbe06990.txt new file mode 100644 index 0000000000000000000000000000000000000000..0e6c5890cbb9035b9281cb9cb3401e8af6a40c3f --- /dev/null +++ b/chunks/txt/999a177297eecf6a3625dae3b4821da91cb91a07e5cfa9e4f98eecc7cbe06990.txt @@ -0,0 +1,86 @@ +Report Title +Description + +Appraiser File +Identifier + +Appraiser +Additional File +Identifier Name + +Used to specify the title of a report. + +/VALUATION_RESPONSE/REPORT/@_TitleDescription + +This is an identifier or number used by +the appraiser to identify their reports. It is +generally specific to the appraiser. + +Secondary report identifier used by the +appraiser to identify appraisal reports. +This field may carry the FHA number, +case number, loan number or some other +identifier. + +/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier + +/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifierName + +Appraiser +Additional File +Identifier + +Used to indicate by name the type of +identifier represented by +AppraisersAdditionalFileIdentifier. + +/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier + +SALES +COMPARISON +APPROACH + +Number of Comparable Listings + +Comparable Listings +Researched Count + +Specifies the total number of comparable +property listings researched. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/RESEARCH/@ComparableListingsResearchedCount + +50 + +50 + +50 + +50 + +5 + +String + +String + +String + +String + +Numeric + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. + +This field may not exist in all forms vendor +software. + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. + +This field occurs on every page of the form and must be consistent. The placement of +the header on the form varies from vendor to vendor. The print reference placement on +Appendix C is not required and is for illustrative purposes only. diff --git a/chunks/txt/99a43471b21f3a5c2b20d4cb782ba2c99e742eb77cab3ae28bb8c03903a9014c.txt b/chunks/txt/99a43471b21f3a5c2b20d4cb782ba2c99e742eb77cab3ae28bb8c03903a9014c.txt new file mode 100644 index 0000000000000000000000000000000000000000..d3a2ac89db0ac0e8f6fb89dd20c758022e5093f0 --- /dev/null +++ b/chunks/txt/99a43471b21f3a5c2b20d4cb782ba2c99e742eb77cab3ae28bb8c03903a9014c.txt @@ -0,0 +1,135 @@ +8.8.5 $315.90 8.8.6 + +8.9 + +8.9.1 + +8.9.2 + +8.9.3 + +8.9.4 + +8.9.5 + +8.9.6 + +The following UCD v2.0 Spec Excerpt provides three examples of prepaid line items: 1) Non-tax, non-interest item, 2) + +interest, and 3) tax. + +Table 29. UCD v2.0 Spec Excerpt-Three Prepaid Item Examples and Data Requirements. + +UCD UID + +MISMO v3.3.0 Data Point + +Delivered Value + +Implementation Notes + +1. Non-interest, non-tax line item + +MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CLO +SING_INFORMATION/PREPAID_ITEMS/PREPAID_ITEM/PREPAID_ITEM_DETAIL + +8.257 + +FeePaidToType + +Other + +8.827 + +FeePaidToTypeOtherDescription + +LenderAffiliate + +8.244 + +IntegratedDisclosureSectionType + +Prepaids + +8.014 + +PrepaidItemMonthsPaidCount + +12 + +8.012 + +PrepaidItemType + +HomeownersInsuranc +ePremium + +8.256 + +RegulationZPointsAndFeesIndicator + +true + +8.019 + +FullName + +Insurance Co. + +Provide the name of the entity to which the item is +being prepaid. + +8.255 + +PrepaidItemActualPaymentAmount + +1209.96 + +The value can be negative. + +8.253 + +PrepaidItemPaymentPaidByType + +Buyer + +8.254 + +PrepaidItemPaymentTimingType + +BeforeClosing + +2. Prepaid interest line item—instead of months count, paid from and thru dates and per diem amount. No payee name +necessary. + +…/PREPAID_ITEM/PREPAID_ITEM_DETAIL + +UCD v2.0 Implementation Guide + +- 50 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Table 29. UCD v2.0 Spec Excerpt-Three Prepaid Item Examples and Data Requirements. + +UCD UID + +MISMO v3.3.0 Data Point + +Delivered Value + +Implementation Notes + +8.257 + +FeePaidToType + +Lender + +8.244 + +IntegratedDisclosureSectionType diff --git a/chunks/txt/99b10b1d4b839e47e8c3acceec1cb87cba78f91ff38ad416b7f9a402eaffdb6d.txt b/chunks/txt/99b10b1d4b839e47e8c3acceec1cb87cba78f91ff38ad416b7f9a402eaffdb6d.txt new file mode 100644 index 0000000000000000000000000000000000000000..1f5f249cd47b2aaac27651f33ee479d3863e006d --- /dev/null +++ b/chunks/txt/99b10b1d4b839e47e8c3acceec1cb87cba78f91ff38ad416b7f9a402eaffdb6d.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/programs/nmdb" +date_accessed: "2026-01-27T17:47:59.854Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/99b21ab5a2fdf4176164c5a800719b75ad04a0975e6af1528288dea44e2a28f1.txt b/chunks/txt/99b21ab5a2fdf4176164c5a800719b75ad04a0975e6af1528288dea44e2a28f1.txt new file mode 100644 index 0000000000000000000000000000000000000000..dc8355c6d08c87e79b6755cc98b34c50d7699e02 --- /dev/null +++ b/chunks/txt/99b21ab5a2fdf4176164c5a800719b75ad04a0975e6af1528288dea44e2a28f1.txt @@ -0,0 +1,156 @@ +When the features for the subject and comparable sale(s) are the same and no adjustment is warranted, leave the field blank - do not enter or +default to zero. + +Appendix F-1: URAR Reference Guide + +Page 218 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +General Information + +The General Information subsection always displays on the sales comparison grid. + +Report +Field ID + +Report Label + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: General Information + +22.01.16 + +Comparable # Always + +Always required + +1, 2, 3 … + +Sales Comparable # is +only applicable to +comparables + +No + +Sales Comparable # + +Appendix F-1: URAR Reference Guide + +Page 219 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +22 Sales Comparison Approach + +Report +Field ID + +Report Label + +When Row +Displays + +When to Include for +each Comparable + +Allowable +Answers / Format + +Origin of Subject +Property Information + +Adjustable +Row + +Definition / Additional Guidance + +Sales Comparison Approach: General Information + +22.01.01 +22.01.17 + +Property +Address + +Always + +Always required + +Subject Property +• + +Property Address +3.000 + +Free-form, in +format that +conforms to +address standards +in USPS +Publication 28, +Postal Addressing +Standards + +See +IGuide + +Property +Address + +Always + +Always required + +Photo + +N/A + +Always required + +Number + +Not on +Report + +This is an +appraiser +input that +does not +display in the +sales grid + +22.01.18 Data Source + +Always + +Always required + +Choose one or +more allowable +answers from the +Definition / +Additional +Guidance column diff --git a/chunks/txt/99c2b4765929bb71dfd30e8bd66efe1115f283b3b43c5d52aec517f71b7fa674.txt b/chunks/txt/99c2b4765929bb71dfd30e8bd66efe1115f283b3b43c5d52aec517f71b7fa674.txt new file mode 100644 index 0000000000000000000000000000000000000000..5ac8f13aba520319f6c501bffcf1122cb6d2d8c1 --- /dev/null +++ b/chunks/txt/99c2b4765929bb71dfd30e8bd66efe1115f283b3b43c5d52aec517f71b7fa674.txt @@ -0,0 +1,67 @@ +6.011 + +Green/Energy Efficiency Rating Organization + +2600.0013 + +EfficiencyRatingOrganizationName + +• When “true”, do not display the report label, display table. +• When “false” AND + +(“RenewableEnergyComponentExistsIndicator” AND/OR +”EfficiencyRatingExistsIndicator” = “true”), display None. + +• When “false” AND + +(”RenewableEnergyComponentExistsIndicator” AND +”EfficiencyRatingExistsIndicator” = “false”), Energy Efficient +and Green Features section does not display. + +Display when GreenCertificationExistsIndicator = “true” + +Display when GreenCertificationExistsIndicator = “true” +AND Exists + +• When “true”, do not display report label, display table. +• When “false” AND + +(“RenewableEnergyComponentExistsIndicator” AND/OR +“GreenCertificationExistsIndicator” = “true”), display None. + +• When “false” AND + +(”RenewableEnergyComponentExistsIndicator” AND +“GreenCertificationExistsIndicator” = “false”), Energy +Efficient and Green Features section does not display. + +6.012 + +Rating + +6.013 + +Score + +Example + +2600.0012 + +EfficiencyRatingName + +Display when EfficiencyRatingExistsIndicator = “true” + +2600.0014 + +EfficiencyRatingScoreValue + +In Figure 6 - 4, there are two indicators that are “false” and one that is “true”. The section displays, but the “false” values display “None” +while the “true” value provides additional data in a table. + +Known Renewable Energy Components - RenewableEnergyComponentExistsIndicator (UID: 2600.0005, FID: 6.000) = “false” + +Appendix B-1: URAR Implementation Guide v1.3 + +Known Building Certifications - GreenCertificationExistsIndicator (UID: 2600.0004, FID: 6.004) = “false” + +Known Efficiency Ratings - EfficiencyRatingExistsIndicator (UID: 2600.0003, FID: 6.010) = “true” diff --git a/chunks/txt/99c9ff945d8a03e63c9d11da11c5333019fb85e410b2fd72a84ce4d01c9d7231.txt b/chunks/txt/99c9ff945d8a03e63c9d11da11c5333019fb85e410b2fd72a84ce4d01c9d7231.txt new file mode 100644 index 0000000000000000000000000000000000000000..415b8ec74065dd0b4b58f4a1f0bd49f2b0809661 --- /dev/null +++ b/chunks/txt/99c9ff945d8a03e63c9d11da11c5333019fb85e410b2fd72a84ce4d01c9d7231.txt @@ -0,0 +1,126 @@ +Number of units (unadjusted for REMIC +weights and participations) of this unit type. +Fractional units may occur when affordability +is estimated as described in 12 CFR +1282.15(e) + +MF NFU + +36 + +Enterprise Public Use Database Data Dictionary +Data Release of 2024 Acquisitions + +Multifamily Properties +National File Unit Class Level + +Header Name + +Field Name + +Values + +Description / Comments + +Federal Housing +Finance Agency + +Field # Field +Width +1 + +5 + +type_afford_cat + +Unit Type XX-Affordability +Level + +1 = >=0, <=50% +2 = >50, <=60% +3 = >60, <=80% +4 = >80, <=100% +5 = >100% +9 = Not available +1 = Yes +0 = No or not provided + +Code = 1 identifies units for which the rent is +in the “extremely low” and “very low income” +ranges; codes = 2 and 3 “low income”; code = +4, “moderate income”; and code = 5, above +area median income. + +Code = 1 identifies units where the Enterprise +indicated that the affordability level (field #13) +was determined based on tenant income +information. If the Enterprise did not so +indicate, field 14 is coded 0. + +End of MF NFU + +6 + +1 + +type_tenant_inc_basis + +Unit Type XX-Tenant +Income Indicator + +MF NFU + +37 + +Federal Housing +Finance Agency + +Field # Field +Width +1 + +1 + +2 + +3 + +8 + +2 + +Enterprise Public Use Database Data Dictionary +Data Release of 2024 Acquisitions + +Multifamily Properties +Census Tract File + +Header Name + +Field Name + +Values + +Description / Comments + +enterprise + +Enterprise Flag + +1 = Fannie Mae +2 = Freddie Mac + +record_num_mf_ctf + +Record Number + +state_fips + +US Postal State Code + +Starts at 10,000,001 for Fannie Mae +and 20,000,0001 for Freddie Mac + +See the STATE/COUNTY file for a list of +State codes and names. +00 = Missing diff --git a/chunks/txt/99ea1322414b888b928665b41fa23d883406886e82052327d7cff63df73d8021.txt b/chunks/txt/99ea1322414b888b928665b41fa23d883406886e82052327d7cff63df73d8021.txt new file mode 100644 index 0000000000000000000000000000000000000000..aefc58d82770e472597fe355227ddf8b78699f6b --- /dev/null +++ b/chunks/txt/99ea1322414b888b928665b41fa23d883406886e82052327d7cff63df73d8021.txt @@ -0,0 +1,38 @@ +Desktop Underwriter/Desktop Originator Release Notes +DU Version 12.0 + +Nov. 20, 2024 + +During the weekend of Jan. 11, 2025, Fannie Mae will implement Desktop Underwriter® (DU®) Version 12.0, which will include the +changes described below. + +The changes in this release will apply to new loan casefiles submitted to DU on or after the weekend of Jan. 11, 2025. Loan +casefiles created in DU Version 11.1 and resubmitted after the weekend of Jan. 11 will continue to be underwritten through DU +Version 11.1. + +The changes in this release include the following updates: + +▪ DU Risk and Eligibility Assessment +▪ Significant Derogatory Credit Event Treatment +▪ Loans for Borrowers without Credit Scores +▪ Cash Flow Assessment +▪ Rent Payment Identification +▪ Mission Index Information +▪ Value Acceptance LTV Ratio +▪ Updates to Align with the Selling Guide +▪ Retirement of DU Version 11.0 + +DU Risk and Eligibility Assessment Update + +As part of normal business operations and prudent risk management, we regularly review and update the DU risk assessment +based on the latest market conditions and loan performance data. These updates are intended to ensure mortgages are safe and +sustainable both for homeowners and for Fannie Mae; and enable us to continue to provide a steady and stable source of +mortgage financing. + +With the release of DU V. 12.0: +▪ We deliver meaningful improvements in DU’s ability to analyze mortgage delinquency risk through a comprehensive + +examination of the risk factors from the loan application and the credit risk factors from a borrower’s credit report. + +▪ We extend the benefits of positive rent payment history and cash flow assessment to more borrowers. +▪ We expand our ability to evaluate borrowers with thin credit and no credit scores. diff --git a/chunks/txt/99ea78b8b3b63bcadd7c8f399bb69570a868de04a22cbb5322fce42d44eea2d2.txt b/chunks/txt/99ea78b8b3b63bcadd7c8f399bb69570a868de04a22cbb5322fce42d44eea2d2.txt new file mode 100644 index 0000000000000000000000000000000000000000..0803340e38b5bc45fa5a244da835c672feaaf80f --- /dev/null +++ b/chunks/txt/99ea78b8b3b63bcadd7c8f399bb69570a868de04a22cbb5322fce42d44eea2d2.txt @@ -0,0 +1,56 @@ +UCDP Appraisal Messaging Change Notification for Temporary +COVID-19 Flexible Appraisal Requirements + +Fannie Mae will be adding three new proprietary appraisal messages that will be displayed in the Uniform Collateral Data +Portal® (UCDP®), effective April 18, to support the temporary appraisal requirement flexibilities published by Fannie Mae +due to COVID-19. + +April 9, 2020 + +New Fannie Mae Appraisal Message + +ID + +Message Text + +FNM0394 DATA CONFIRMATION: Based on the data submitted, the +appraiser completed a traditional full appraisal including an +interior and exterior inspection of the property. If this is accurate, +no further action is required. If the appraisal was performed +using the temporary appraisal requirement flexibilities published +by Fannie Mae due to COVID-19, the Map Reference must be +populated with “exterior” or “desktop” to correspond with the +type of appraisal completed. + +Severity +Warning + +Applicable Forms +1004, 1073, 2090, +1025, 1004c + +FNM0395 The Map Reference appears to be incorrect. Exterior appraisals + +Warning + +2055, 1075, 2095 + +on forms 2055, 1075 or 2095, performed using the temporary +appraisal requirement flexibilities published by Fannie Mae due +to COVID-19, should be identified only with a Map Reference of +“exterior.” + +FNM0396 The Map Reference appears to be incorrect. Desktop appraisals + +Warning + +1004, 1073, 2090 + +on forms 1004, 1073 or 2090, performed using the temporary +appraisal requirement flexibilities published by Fannie Mae due +to COVID-19, should be identified only with a Map Reference of +“desktop.” + +For More Information + +The UCDP User Guide for Fannie Mae Messaging will be updated on April 20, 2020 reflect the new messages. Visit the diff --git a/chunks/txt/99fb0d9b1643b497ba467a48d26ce691962aa154ea0c8287976c961830eae571.txt b/chunks/txt/99fb0d9b1643b497ba467a48d26ce691962aa154ea0c8287976c961830eae571.txt new file mode 100644 index 0000000000000000000000000000000000000000..2ccd02f94a8d10b0e538d885948ed31c593774f1 --- /dev/null +++ b/chunks/txt/99fb0d9b1643b497ba467a48d26ce691962aa154ea0c8287976c961830eae571.txt @@ -0,0 +1,138 @@ +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Yes | No + +Dwelling Exterior +• +Foundation +Condition Status +8.031 + +Dwelling Exterior +• + +Roof Observable +8.033 + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Free-form + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Dwelling Exterior +• + +Roof Condition +Status 8.035 + +Dwelling Exterior +• Windows + +Condition Status +8.039 + +Dwelling Exterior +• + +Exterior Feature +Other Description +8.041 (Report +Label) +Other Exterior +Feature Condition +Status 8.044 + +• + +Appendix F-1: URAR Reference Guide + +Page 254 of 375 + +No + +No + +No + +No + +No + +• +• +• +• + +New or Like New +Typical Wear and Tear +Damaged and Functional +Damaged and Nonfunctional + +Roof Observable +• +Yes +• +No (the person performing the inspection was unable to make an +informed determination on the condition status of the roof, and +“(Unobservable)” displays) + +• +• +• +• + +• +• +• +• + +New or Like New +Typical Wear and Tear +Damaged and Functional +Damaged and Nonfunctional + +New or Like New +Typical Wear and Tear +Damaged and Functional +Damaged and Nonfunctional + +If needed to support the condition rating, additional rows may be +included for any features not predefined that were added to the Exterior +Features table in the Dwelling Exterior section. + +Example: Other Exterior Feature Example in Dwelling Exterior and Sales +Comparison Approach + +Other Exterior Feature Condition Status +• +• +• +• + +New or Like New +Typical Wear and Tear +Damaged and Functional +Damaged and Nonfunctional diff --git a/chunks/txt/99fde2d845222d6a8f999078a6bf28b779fc8e83a794f8430728903847cfd1ed.txt b/chunks/txt/99fde2d845222d6a8f999078a6bf28b779fc8e83a794f8430728903847cfd1ed.txt new file mode 100644 index 0000000000000000000000000000000000000000..782a956f62ffd354a4350274ada62979a9ccba90 --- /dev/null +++ b/chunks/txt/99fde2d845222d6a8f999078a6bf28b779fc8e83a794f8430728903847cfd1ed.txt @@ -0,0 +1,145 @@ +Zoning Compliance + +Legal + +Apparent Defects, Damages, Deficiencies Requiring Action + +None + +Appraiser Reference ID 8238420Client Reference ID 2381034AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242-to 4-Unit Scenario 2 + +Uniform Residential Appraisal Report + +Page 2 of 26 +Page 2 of 26 + +Property Valuation Method + +Traditional Appraisal + +Was a Property Data Report used in lieu of an +Inspection? + +Appraiser Fee +AMC Fee + +$0 +$0 + +Yes No +  + +STET + +“lieu” l.c. + +Credentials + +ID +State +Expires + +Credentials + +Level +ID +State +Expires + +ABCD1234 +TX +12/31/2024 + +Certified Residential +1234ABCD +TX +12/31/2024 + +Attachment Type +Units Excluding ADUs +Accessory Dwelling Units +Dwellings Containing Units +Special Tax Assessments + +Detached +4 +0 +1 +No + +Assignment Information + +Assignment Reason +Borrower Name +Current Owner of Public Record + +Refinance +John Seller +John Seller + +Contact Information + +Client/Lender + +Company Name +Company Address + +Appraisal Management Company + +Company Name + +Company Address + +Appraiser + +Name +Company Name +Company Address + +Big Bank of Texas +712 Tex Bank Dr +Anyplace, TX 01234 + +IDK Appraisal Management +Company +1515 Ranch St +Anyplace, TX 01234 + +John P. Appraiser +XYZ Appraisal Company +1621 Cattle Drive Ln +Anyplace, TX 01234 + +Scope of Inspection by Appraiser + +Subject Property Inspection + +Exterior +Interior +Inspection Date + +Physical +Physical +05/01/2023 + +Subject Property + +Physical Address + +County +Neighborhood Name + +171 Cowboy Ln +Anyplace, TX 01234 +Cowboy +Bighorn Ranch + +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 diff --git a/chunks/txt/9a04689dc0c6394aa55e740a2f12fbcdfde872d7ab871536826de9f4ebe69575.txt b/chunks/txt/9a04689dc0c6394aa55e740a2f12fbcdfde872d7ab871536826de9f4ebe69575.txt new file mode 100644 index 0000000000000000000000000000000000000000..b46a08fb5e4fc1f3960988723f8f400ee172e8ad --- /dev/null +++ b/chunks/txt/9a04689dc0c6394aa55e740a2f12fbcdfde872d7ab871536826de9f4ebe69575.txt @@ -0,0 +1,150 @@ +STEP 4: Continue moving right and then down through the child containers of + +DEAL_SET through the last container shown (POOL_DETAIL). Since there +are no more DEAL_SET child containers, you are ready to move back to +the branch at DEAL_SETS and tackle the next set of child containers of +DEAL_SETS (PARTIES). + +STEP 5: Continue moving right to ROLES, then up the branch to the topmost child + +container of ROLES (PARTY_ROLE_IDENTIFIER). Since there are no more +containers to the right, move back to the branch at ROLES and down to +the last container shown (ROLE). + +Notes: Use this technique to move through any graphical representation of an + +XML schema document to read it in schema order. + +_____________________________________________________________________________________________ +Document Version 1.1 +MISMO V3.0 and the ULDDS: User Guide + +Page 27 of 76 + +Section IV. Using the MISMO V3.0 Reference Model + +Example IV -2, Cont’d. High-Level View of and Navigation through ULDDS containers. + +1 + +1 + +ABOUT_ +VERSIONS + +ABOUT_ +VERSION + +2 + +ASSETS + +2 + +2 + +2 + +ASSET + +1 + +MESSAGE + +1 + +2 + +DEAL_SET + +4 + +2 + +2 + +DEAL_ +SETS + +DEALS + +DEAL + +COLLATERALS + +COLLAERAL + +PROPERTIES + +PROPERTY + +3 + +LOANS + +3 + +COMBINED_ +LTV + +COMBINED_ +LTVS + +LOAN + +PARTIES + +PARTY + +ROLES + +PARTY_ROLE_ +IDENTIFIERS + +ROLE + +3 + +INVESTOR_ +FEATURES + +INVESTOR_ +FEATURE + +4 + +PARTIES + +PARTY + +ROLES + +4 + +POOL + +POOL_ +DETAIL + +PARTY_ROLE_ +IDENTIFIERS + +ROLE + +PARTIES + +PARTY + +ROLES + +5 + +5 + +PARTY_ROLE_ +IDENTIFIERS + +ROLE + +Each container illustrated in Example IV-2 is described below. A description of how +containers are named and structured is provided in Section III-B-1. Container. diff --git a/chunks/txt/9a3b28c3e04a9d7b2397659ff88c1cab7be5ff6b2c1984d9ed6280700eea6e8f.txt b/chunks/txt/9a3b28c3e04a9d7b2397659ff88c1cab7be5ff6b2c1984d9ed6280700eea6e8f.txt new file mode 100644 index 0000000000000000000000000000000000000000..a59ba2b351c12bc24ec69d2bf8022c8e8925d910 --- /dev/null +++ b/chunks/txt/9a3b28c3e04a9d7b2397659ff88c1cab7be5ff6b2c1984d9ed6280700eea6e8f.txt @@ -0,0 +1,84 @@ +Numeric + +PDF Display Format: +Numeric, 1-digit maximum. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +This field indicates the number of finished bathrooms in the basement. + +This field is required if the value of +field e-19 (GSE Below Grade Finish +Square Feet Number) is greater than +zero. + +CR + +CR + +CR + +This field is required if the value of +field e-19 (GSE Below Grade Finish +Square Feet Number) is greater than +zero. + +CR + +CR + +CR + +Numeric + +PDF Display Format: +Full Bath Count.Half Bath Count +n.n + +This field is required if the value of +field e-19 (GSE Below Grade Finish +Square Feet Number) is greater than +zero. + +CR + +CR + +CR + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +This field indicates the number of other finished rooms in the basement. + +Numeric + +PDF Display Format: +Numeric, 1-digit maximum. + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +String + +This is a free text field which should describe the functional utility. + +String + +This is a free text field which should describe the heating/cooling. + +String + +String + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section +This is a free text field which must describe any energy efficient items. +If none, the appraiser must indicate 'None'. + +UAD Requirement - Refer to Appendix D Sales Comparison Approach Section + +Refer to Appendix E for PDF Rendering and Parsing Instructions. + +String + +This is a free text field which should describe any porch, patio, or deck. diff --git a/chunks/txt/9a3e9ea5fb8887cd211bb89bb62c490c5c3008d3f540a15976803bc3b1c302b2.txt b/chunks/txt/9a3e9ea5fb8887cd211bb89bb62c490c5c3008d3f540a15976803bc3b1c302b2.txt new file mode 100644 index 0000000000000000000000000000000000000000..a6355e613d2f511f1f861f4af4b48d3e752b95e9 --- /dev/null +++ b/chunks/txt/9a3e9ea5fb8887cd211bb89bb62c490c5c3008d3f540a15976803bc3b1c302b2.txt @@ -0,0 +1,155 @@ +CR + +R + +R + +CR + +R + +CR + +CR + +R + +R + +R + +CR + +10 + +Money + +PDF Display Format: +Whole dollars only. + +Form FNM 1075 FRE 466 +Appendix B: GSE Appraisal Forms Mapping + +Page 161 of 211 + +Document Version 1.4 + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +Sort ID + +Form +Page + +Form +Reference +Number + +430 + +431 + +3 + +3 + +92 + +93 + +SALES +COMPARISON +APPROACH + +Above Grade Room Count +Gross Living Area Sq.Ft. + +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='GrossLivingArea']/@_Description + +SALES +COMPARISON +APPROACH + +Above Grade Room Count +Gross Living Area Sq.Ft. 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. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_ +ADJUSTMENT[@_Type='GrossLivingArea']/@_Amount + +432 + +3 + +e-18 + +SALES +COMPARISON +APPROACH + +Basement & Finished +(Line 1) + +GSE Below Grade +Total Square Feet +Number + +The total area of the property +improvements below grade. + +433 + +3 + +e-19 + +SALES +COMPARISON +APPROACH + +Basement & Finished +(Line 1) + +GSE Below Grade +Finish Square Feet +Number + +The total finished area of the property +below grade. diff --git a/chunks/txt/9a4cdee9e5760bd98d59b12d5ecd83c2debe3f5297827e55b92c537310832ea9.txt b/chunks/txt/9a4cdee9e5760bd98d59b12d5ecd83c2debe3f5297827e55b92c537310832ea9.txt new file mode 100644 index 0000000000000000000000000000000000000000..c190a35f8e96c5768dfdce2432a785e60239f3ca --- /dev/null +++ b/chunks/txt/9a4cdee9e5760bd98d59b12d5ecd83c2debe3f5297827e55b92c537310832ea9.txt @@ -0,0 +1,59 @@ +Page 30 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. + +describe the efforts undertaken to obtain the +information. + +Kitchen(s) and Bathroom(s) – Level of Work +Completed and Timeframes – The appraiser +must identify any work completed in the +kitchen(s) and bathroom(s) along with the +timeframes in which the work was completed. +The appraiser must select one of the values +from the lists below for both the kitchen(s) and +the bathroom(s). + +Level of Work Completed: +not updated +updated +remodeled +Definitions for the Level of Work Completed +are provided in Exhibit 2: Requirements – +Definitions of Not Updated, Updated, and +Remodeled. + +Timeframes: +less than one year ago +one to five years ago +six to ten years ago +eleven to fifteen years ago +timeframe unknown + +Timeframes represent the time period in which +the majority of the improvements were +completed. + +Descriptions or Comments – The appraiser +must provide a description of the condition of +the improvements to the subject property. + +Note, the UAD does not limit the information +that an appraiser may provide about the +condition of a property, including any updating +or remodeling. An appraiser can and must +provide any additional information required to +communicate an appraisal in a manner that is +meaningful and not misleading, including +providing sufficient information to enable the +client and any other intended user(s) to +understand the appraiser’s conclusions +regarding the property condition and any +updates or remodeling. diff --git a/chunks/txt/9a4dfcfce264af717dc51b2e80e00fd246a2eec5c3409c7ad89ec2c45133ea56.txt b/chunks/txt/9a4dfcfce264af717dc51b2e80e00fd246a2eec5c3409c7ad89ec2c45133ea56.txt new file mode 100644 index 0000000000000000000000000000000000000000..bacabdf4460ed155d920ba15dac1dc64e3373d56 --- /dev/null +++ b/chunks/txt/9a4dfcfce264af717dc51b2e80e00fd246a2eec5c3409c7ad89ec2c45133ea56.txt @@ -0,0 +1,25 @@ +5. The appraiser has noted in this appraisal report any adverse conditions (such as needed repairs, deterioration, the +presence of hazardous wastes, toxic substances, etc.) that he or she became aware of during the research involved in +performing this appraisal. Unless otherwise stated in this appraisal report, the appraiser has no knowledge of any hidden or +unapparent physical deficiencies or adverse conditions of the property (such as, but not limited to, needed repairs, +deterioration, the presence of hazardous wastes, toxic substances, adverse environmental conditions, etc.) that would make +the property less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, +express or implied. The appraiser will not be responsible for any such conditions that do exist or for any engineering or +testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field +of environmental hazards, this appraisal report must not be considered as an environmental assessment of the property. + +6. The appraiser has based his or her appraisal report and valuation conclusion for an appraisal that is subject to +satisfactory completion, repairs, or alterations on the assumption that the completion, repairs, or alterations of the subject +property will be performed in a professional manner. + +Freddie Mac Form 465D April 2022 + +Page 4 of 6 + +Fannie Mae Form1073 Desktop April 2022 + +Individual Condominium Unit Appraisal Report (Desktop) + +File # + +APPRAISER’S CERTIFICATION: The Appraiser certifies and agrees that: diff --git a/chunks/txt/9a6913a008012460279b7b8c270ba4a1c0c496be9f4c7e455f54e45d49d1c913.txt b/chunks/txt/9a6913a008012460279b7b8c270ba4a1c0c496be9f4c7e455f54e45d49d1c913.txt new file mode 100644 index 0000000000000000000000000000000000000000..c6f49bab4d7d40471cdb889a8955253f6115730e --- /dev/null +++ b/chunks/txt/9a6913a008012460279b7b8c270ba4a1c0c496be9f4c7e455f54e45d49d1c913.txt @@ -0,0 +1,86 @@ +Uniform Appraisal Dataset (UAD) Specification + +Issued by Fannie Mae and Freddie Mac +Appendix E-1: Report Style Guide Supplement – URAR with Codes +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 # Report Section + +Change # Revision Description + +6/10/2025 + +1.3 + +Outbuilding + +2025-055 + +Updated display of Heating and Cooling checkboxes in +Outbuilding section to align with Style Guide + +Footer + +2024-028 Updated date in Footer to September 2024 + +9/17/2024 + +1.2 + +Market + +2024-024 Deleted Property Value Trend + +Revision History + +2024-043 Added the Reconsideration of Value subsection + +Footer + +2023-061 Updated date in Footer to December 2023 + +2023-001 Removed the “Under Review” watermark + +12/12/2023 + +1.1 + +Market + +2023-031 + +Certifications and +Scope of Work + +2023-003 + +Deleted Subject Conforms to Surrounding Area, Reason, and +Description fields +Changed report label to Market Area Boundary +Updated predefined text for Appraiser Certifications 18, 24, +and 25, and all Supervisory Appraiser Certifications +Clarified that Contact Name(s) displays for Appraiser +Certification 21 + +3/29/2023 + +1.0 + +Initial Publication + +Introduction + +The Report Style Guide Supplements are a visual guide to the Report Style Guide. + +Each section of the Uniform Residential Appraisal Report (URAR), Restricted Appraisal Update Report, and +Completion Report is provided with codes in the Report Style Guide. Codes are the specific type face, placement, +and visual treatment that must be applied for each component within the sections. diff --git a/chunks/txt/9a6c9a3f76ce7d535b32ccde2be03ea3415ce0a023a71dda2f1f90977438680b.txt b/chunks/txt/9a6c9a3f76ce7d535b32ccde2be03ea3415ce0a023a71dda2f1f90977438680b.txt new file mode 100644 index 0000000000000000000000000000000000000000..87de7c110f5e4cdb3b1b900de3ff0797f937b9f6 --- /dev/null +++ b/chunks/txt/9a6c9a3f76ce7d535b32ccde2be03ea3415ce0a023a71dda2f1f90977438680b.txt @@ -0,0 +1,58 @@ + do not have a negative amortization feature. + +17.5 Partial Paymen ts + +Your lender + may accept payments that are less than the full amount due + +(partial payments) and apply them to your loan. + + may hold them in a separate account until you pay the rest of the + +payment, and then apply the full payment to your loan. + + does not accept any partial payments. + +If this loan is sold, your new lender may have a different policy. + +17.6 Security Interest +You are granting a security interest in +456 Somewhere Ave, Anytown, ST 12345 +You may lose this property if you do not make your payments or +satisfy other obligations for this loan. + +Appendix E: UCD Implementation Guide + +Page 187 of 254 + +Version 1.4 + +Uniform Closing Dataset + +17.0 Loan Disclosures + +Figure 109. Loan Disclosures + +17. 1 ASSUMPTI ON + +Assumption describes whether a subsequent purchaser may be permitted to assume the remaining loan +obligation. + +17. 2 DEMAND FEATURE + +Demand Feature indicates whether the legal obligation permits the lender to demand early repayment of the +loan and, if so, requires inclusion of a statement that the borrower(s) should review the loan document for more +details. + +17. 3 LATE PAYMENT + +Late Payment describes the charge that may be imposed for a late payment, stated as either a dollar amount or +a percentage charge of the late payment amount or both, along with the number of days from the due date +after which a late payment fee will be assessed. The example in the preceding figure shows a case where both a +dollar and percentage late payment fee are disclosed. + +17. 4 NEGATI VE AMORTI ZATION + +Negative Amortization details whether the regular periodic payment may cause the principal balance to +increase. The Regulation requires disclosure of whether the loan has a negative amortization feature, and if so, a +description of whether the negative amortization is scheduled or potential. diff --git a/chunks/txt/9a743c8e355cf399d0d752c687d5c31faac152500b20a3221b43609448db449f.txt b/chunks/txt/9a743c8e355cf399d0d752c687d5c31faac152500b20a3221b43609448db449f.txt new file mode 100644 index 0000000000000000000000000000000000000000..3642efce6db14908845e4475e2aec65458f0b316 --- /dev/null +++ b/chunks/txt/9a743c8e355cf399d0d752c687d5c31faac152500b20a3221b43609448db449f.txt @@ -0,0 +1,32 @@ +If any subordinate lien that was not used to acquire the subject property is to be paid off with first mortgage proceeds, +the loan is ineligible as a limited cash-out refinance. The loan must be resubmitted as a cash-out refinance. + +If subordinate liens are being paid off with the first mortgage proceeds, obtain written documentation that the +subordinate lien was used to acquire the subject property. + +Fannie Mae will grant the lender the limited waiver of underwriting representations and warranties for these loans, including +those mortgages that receive an Approve/Ineligible recommendation, provided the loan meets the requirements contained in +this section as well as those contained in Selling Guide A2-2-04, Limited Waiver and Enforcement Relief of Representations and +Warranties. + +Appraisal Requirements + +The appraisal for the property must follow standard requirements contained in Selling Guide Chapter B4–1, Property Assessment +and Valuation. + +Those guidelines allow an appraisal to be based on the “as is” condition of the property provided there are no conditions that +affect the soundness or structural integrity of the property. If those conditions do exist, the property must be appraised subject to +completion of the specific repairs and a Completion Report must be obtained prior to sale of the loan to Fannie Mae. + +Delivery + +Loans originated in accordance with this section must be delivered to Fannie Mae no later than two years from the date of the +disaster declaration by FEMA. + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 183 of 166 + +UAD 3.6 Policy + +Special Feature Codes diff --git a/chunks/txt/9a7aeec66545b01a5d8ee534f8adf6ffc5096b07f4b81f2b02e56e6d3583abb7.txt b/chunks/txt/9a7aeec66545b01a5d8ee534f8adf6ffc5096b07f4b81f2b02e56e6d3583abb7.txt new file mode 100644 index 0000000000000000000000000000000000000000..5078aec3e0105bcd50fff525c2cd652fdf9696c7 --- /dev/null +++ b/chunks/txt/9a7aeec66545b01a5d8ee534f8adf6ffc5096b07f4b81f2b02e56e6d3583abb7.txt @@ -0,0 +1,71 @@ +Physical Measurement +Plans and Specifications +Previous Appraisal File +Property Data Report +Property Management Company +Property Owner +Property Tenant +Real Estate Agent +Three-Dimensional Scan +Other (Describe) + +Superior, Similar, +or Inferior + +The below grade area’s quality of finish compared to the above grade living +area. + +10.010 Below Grade + +Finish Compared +to Above + +Required when there +is Below Grade +Finished Area or Below +Grade Finished Area +(Nonstandard) + +Accessory Dwelling Units + +An accessory dwelling unit (ADU) is an additional living area that includes a kitchen, full bathroom, and sleeping +area. Reference published guidelines by the GSEs, government agencies, or other identified secondary market +participants for specific guidance as to whether the unit is considered an ADU. Information about the ADUs is +captured in the same way as any other unit. The Unit Interior section repeats for each living unit or ADU that is +in a dwelling or outbuilding. + +If there are no ADUs on the subject property (Number of ADUs on Subject Property (3.006) is zero), the ADU +subsection does not display. + +For additional commentary about the ADU, such as information not captured in the discrete data or additional +details to support the discrete data that is provided, use Unit Interior Commentary (10.061). + +Appendix F-1: URAR Reference Guide + +Page 127 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +10 Unit Interior + +Unit Interior: ADU Information + +Report +Field ID + +Report Label + +When to Include + +Allowable +Answers / Format + +10.011 ADU + +Always required + +Yes | No + +Definition / Additional Guidance diff --git a/chunks/txt/9a85267e04dafc4aa6f57b38e8b4d07e0bcac2c647184762f78a7affce75c3fb.txt b/chunks/txt/9a85267e04dafc4aa6f57b38e8b4d07e0bcac2c647184762f78a7affce75c3fb.txt new file mode 100644 index 0000000000000000000000000000000000000000..d7f11dcf7867eff63b5ecd4a9d2a01f80ad52c7e --- /dev/null +++ b/chunks/txt/9a85267e04dafc4aa6f57b38e8b4d07e0bcac2c647184762f78a7affce75c3fb.txt @@ -0,0 +1,77 @@ +Uniform Appraisal Dataset (UAD) Specification +Issued by Fannie Mae and Freddie Mac +Appendix E‐2: +Report Style Guide Supplement – Restricted Appraisal Update Report with Codes +Document Version 1.2 +September 17, 2024 + +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. +© 2024 Fannie Mae and Freddie Mac. Trademarks of the respective owners. + +Revision History + +Date + +Version #  Report Section + +Change # + +Revision Description + +9/17/2024 + +1.2 + +Footer + +2024‐028 + +Updated date in Footer to September 2024 + +Footer + +2023‐061 + +Updated date in Footer to December 2023 + +12/12/2023 + +1.1 + +Certifications and +Scope of Work + +2023‐003 + +Updated predefined text for Scope of Work, Appraiser Certifications 18, 24, and 25, and all +Supervisory Appraiser Certifications +Clarified that Contact Name(s) displays for Appraiser Certification 21 + +3/29/2023 + +1.0 + +Initial Publication + +Introduction + +The Report Style Guide Supplement is a visual guide to the Report Style Guide. + +Each section of the Uniform Residential Appraisal Report (URAR), Restricted Appraisal Update Report, and +Completion Report is provided with codes in the Report Style Guide. Codes are the specific type face, placement, +and visual treatment that must be applied for each component within the sections. + +Appendix E Supplements are as follows: + + + + + + + +Report Style Guide Supplement – URAR with Codes + +Report Style Guide Supplement – Restricted Appraisal Update Report with Codes + +Report Style Guide Supplement – Completion Report with Codes diff --git a/chunks/txt/9a878c10d2194d029b567e668314f8b8efab49227295f96d0931acd7fa3ad4fb.txt b/chunks/txt/9a878c10d2194d029b567e668314f8b8efab49227295f96d0931acd7fa3ad4fb.txt new file mode 100644 index 0000000000000000000000000000000000000000..0ee8396e34b2ca6c83a118c82e1db77a808babf7 --- /dev/null +++ b/chunks/txt/9a878c10d2194d029b567e668314f8b8efab49227295f96d0931acd7fa3ad4fb.txt @@ -0,0 +1,32 @@ +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 + +Refer to Appendix E for PDF Rendering and Parsing Instructions. +UAD Requirement - Refer to Appendix D Sales Comparison Approach +Section + +PDF Display Format: +Whole dollars only. + +The sum of this field 2-88 and fields (2-53, 2- +55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2- +71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 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 2-90 and fields (2-53, 2- +55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2- +71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2- +88, 2-92, 2-94, 2-96, 2-98, 2-100) must add up +to Net Adjustment field 2-103. + +The sum of this field 2-92 and fields (2-53, 2- +55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-69, 2- +71, 2-73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2- +88, 2-90, 2-94, 2-96, 2-98, 2-100) must add up +to Net Adjustment field 2-103. diff --git a/chunks/txt/9a9fe8f6005c60a020cdb5671ab3c57e4db67418bbfadfebb5bf52b1e00297d9.txt b/chunks/txt/9a9fe8f6005c60a020cdb5671ab3c57e4db67418bbfadfebb5bf52b1e00297d9.txt new file mode 100644 index 0000000000000000000000000000000000000000..41ca4c3281f80e3105beb1f4483bdb0f9946d030 --- /dev/null +++ b/chunks/txt/9a9fe8f6005c60a020cdb5671ab3c57e4db67418bbfadfebb5bf52b1e00297d9.txt @@ -0,0 +1,56 @@ +• development of or reporting an appraisal in a manner that is inconsistent with the requirements of the Uniform + +Standards of Professional Appraisal Practice (USPAP). + +UAD 3.6 Policy + +© 2025 Fannie Mae December 2025 Page 51 of 166 + +UAD 3.6 Policy + +SB4-1.1-05, Disclosure of Information to Appraisers (06/04/2025) + +Introduction + +This topic contains information on lender disclosure of information to appraisers, including: + +• Overview +• +• +• Contract Changes After the Appraisal is Completed + +Sales Contract Information +Information Disclosed to the Appraiser + +Overview + +All information about the subject property the lender is aware of must be disclosed to the appraiser and the details provided must +comply with SB4-1.1-04, Unacceptable Appraisal Practices. The appraiser must determine if the information could affect either +the marketability or the opinion of value for the property. + +Sales Contract Information + +All financing data and sales concessions for the subject property that will be or have been granted by anyone associated with the +transaction must be disclosed to the appraiser, as appropriate. Typically, this information is provided in the sales contract. +Therefore, the lender must provide, or ensure that the appraiser is provided with, a copy of the complete, ratified sales contract +and all addenda for the property that is to be appraised. + +Information Disclosed to the Appraiser + +Financial Information +The list below includes items that must be disclosed to the appraiser on purchase transactions, if applicable: + +settlement charges, +loan fees or charges, + +• +• +• discounts to the sales price, +• +interest rate buydowns, +• below-market-rate financing, +• +• +• +• +• diff --git a/chunks/txt/9aa015c3291a54adf391d8ff908e8bb9ddec617839be5c99c22b07a44eb1c91a.txt b/chunks/txt/9aa015c3291a54adf391d8ff908e8bb9ddec617839be5c99c22b07a44eb1c91a.txt new file mode 100644 index 0000000000000000000000000000000000000000..ff8b8a7b8b42af6578c7ef2bc1e201554eb2daea --- /dev/null +++ b/chunks/txt/9aa015c3291a54adf391d8ff908e8bb9ddec617839be5c99c22b07a44eb1c91a.txt @@ -0,0 +1,111 @@ +172 + +1 + +165 + +PROJECT +INFORMATION + +If Project Incomplete +# of Planned Units + +Planned Units +Count + +Total number of planned living units. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE +[@_Type='Incomplete']/@PlannedUnitsCount + +173 + +1 + +166 + +PROJECT +INFORMATION + +If Project Incomplete +# of Units for Sale + +Units For Sale +Count + +Total number of living units for sale. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE +[@_Type='Incomplete']/@UnitsForSaleCount + +6 + +6 + +6 + +6 + +6 + +6 + +6 + +Numeric + +Whole numbers only. + +Numeric + +Whole numbers only. + +Numeric + +Whole numbers only. + +Numeric + +Whole numbers only. + +Numeric + +Whole numbers only. + +Numeric + +Whole numbers only. + +Numeric + +Whole numbers only. + +Either all of fields 1-158, 1-159, 1-160, +1-161, 1-162, 1-163 (Development +Stage Type = 'Complete') or all of fields +1-164, 1-165, 1-166, 1-167, 1-168, 1- +169 (Development Stage Type = +'Incomplete') should be populated. One +and only one of these two sets of fields +should be populated, and the other set +of fields should be left blank. + +Either all of fields 1-158, 1-159, 1-160, +1-161, 1-162, 1-163 (Development +Stage Type = 'Complete') or all of fields +1-164, 1-165, 1-166, 1-167, 1-168, 1- +169 (Development Stage Type = +'Incomplete') should be populated. One +and only one of these two sets of fields +should be populated, and the other set +of fields should be left blank. + +Either all of fields 1-158, 1-159, 1-160, +1-161, 1-162, 1-163 (Development +Stage Type = 'Complete') or all of fields +1-164, 1-165, 1-166, 1-167, 1-168, 1- +169 (Development Stage Type = +'Incomplete') should be populated. One +and only one of these two sets of fields +should be populated, and the other set +of fields should be left blank. diff --git a/chunks/txt/9aa23070024d8c56860a46da00785b1aadaec01c7a3541d96427e0b606f8e50c.txt b/chunks/txt/9aa23070024d8c56860a46da00785b1aadaec01c7a3541d96427e0b606f8e50c.txt new file mode 100644 index 0000000000000000000000000000000000000000..5bc28685b3eb74084df7cc2d37244e8f847ed27c --- /dev/null +++ b/chunks/txt/9aa23070024d8c56860a46da00785b1aadaec01c7a3541d96427e0b606f8e50c.txt @@ -0,0 +1,112 @@ +Unit - Owner Occupied + +afford_sf + +Unit - Affordability +Category + +1 = Yes +2 = No +1 = Low-income family (but not very +low-income) in a low-income area +2 = Very low-income family, in a low- +income area +3 = Very low-income family, not in a +low-income area +4 = Other +9 = Not available +0 = Missing + +End of SF NFB + +13 + +Enterprise Public Use Database Data Dictionary +Data Release of 2024 Acquisitions + +Single-Family Properties +National File C + +Header Name + +Field Name + +Values + +Description / Comments + +Federal Housing +Finance Agency + +Field # Field +Width +1 + +1 + +enterprise + +Enterprise Flag + +1 = Fannie Mae +2 = Freddie Mac + +2 + +8 + +record_num_sf_nfc + +Record Number + +Starts at 10,000,001 for Fannie Mae +and 20,000,0001 for Freddie Mac + +3 + +1 + +tract_minority_cat + +2020 Census Tract - +Percent Minority + +4 + +1 + +tract_income_cat + +Tract Income Ratio + +1 = >=0, <10% +2 = >=10, <30% +3 = >=30, <=100% +9 = Missing + +1 = >0, <=80% +2 = >80, <=120% +3 = >120% +9 = Missing + +Flag identifying whether the mortgage was +purchased by Fannie Mae or by Freddie Mac. +Fannie Mae and Freddie Mac are collectively +referred to as the Enterprises in this +document. +Sequential numerical identifier for the +property not related to the record number in +the Census Tract File or the other National +Files. +The percentage of the census tract’s +population that is classified as belonging to a +minority group, based on the 2020 decennial +census. See definition of Minority in 12 CFR +1282.1. +The ratio of the 2020 census tract median +income to the local area median income. This +is the ratio used to determine whether the +census tract qualifies as a low-income area for +purposes of the single-family low-income +areas housing goal. See definition of Families +in low-income areas in 12 CFR 1282.1. diff --git a/chunks/txt/9abb1bb90004e1201fcd7ff8b60100e495985bf38e02adea851106e55bb3e046.txt b/chunks/txt/9abb1bb90004e1201fcd7ff8b60100e495985bf38e02adea851106e55bb3e046.txt new file mode 100644 index 0000000000000000000000000000000000000000..4c91dd16c4dfc1f48c1db8a8e8cae0fc14b60d1f --- /dev/null +++ b/chunks/txt/9abb1bb90004e1201fcd7ff8b60100e495985bf38e02adea851106e55bb3e046.txt @@ -0,0 +1,129 @@ +Is the property seller the owner of public record? Yes No Data Source(s) 49 + +Date of Contract 46 + +47 + +48 + +51 + +50 + +Note: Race and the racial composition of the neighborhood are not appraisal factors. + +Neighborhood Characteristics + Suburban Rural +Location Urban +54 +53 + Over 75% 25–75% +Built-Up +57 +56 + Rapid + Stable +Growth +60 +59 +Neighborhood Boundaries 83 + +Property Values Increasing +55 + Under 25% Demand/Supply Shortage +58 +Marketing Time + Slow +61 + +Condominium Unit Housing Trends + Declining + Stable +63 +64 + In Balance Over Supply +66 +65 +67 + Under 3 mths 3–6 mths Over 6 mths +69 +68 +70 + +62 + +Condominium Housing Present Land Use % + +PRICE +$ (000) + +One-Unit +2-4 Unit + +AGE +(yrs) + 71 Low 74 Multi-Family +Commercial + 72 High 75 +Other + 73 Pred. 76 + +77 % +78 % +79 % + 81 % + 82 % + +Neighborhood Description 84 + +Market Conditions (including support for the above conclusions) 85 + +Size 87 + +Topography 86 +Specific Zoning Classification 90 +Zoning Compliance Legal Legal Nonconforming – Do the zoning regulations permit rebuilding to current density? Yes No +93 + No Zoning Illegal (describe) 98 +96 +Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use? Yes No If No, describe 101 + +Zoning Description 91 + +View e-5; e-6; e-7 + +Density 88 + +100 + +99 + +97 + +92 + +95 + +94 + +105 + +Public Other (describe) + 104 +103 + 102 + 107 +106 + +Utilities +Water +Electricity +Gas +Sanitary Sewer +FEMA Special Flood Hazard Area Yes No FEMA Flood Zone +120 +Are the utilities and off-site improvements typical for the market area? Yes No If No, describe 127 +125 +126 +Are there any adverse site conditions or external factors (easements, encroachments, environmental conditions, land uses, etc.)? Yes No If Yes, describe +130 diff --git a/chunks/txt/9ad21413147240cc00dd977b7db33563deed4087aa807a6a04c008fd0125fd57.txt b/chunks/txt/9ad21413147240cc00dd977b7db33563deed4087aa807a6a04c008fd0125fd57.txt new file mode 100644 index 0000000000000000000000000000000000000000..50af36f750089998703c590f8eee30718edd297f --- /dev/null +++ b/chunks/txt/9ad21413147240cc00dd977b7db33563deed4087aa807a6a04c008fd0125fd57.txt @@ -0,0 +1,56 @@ +29.061 + +Additional Supervisory Appraiser Certifications + +Additional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser Certifications. +1. + +29.062 + +Signature + +[Role] + +29.063 + +29.064 + +29.066 + +[Contact Name] + +29.065 + +Date of Signature and Report + +Level +ID +State +Expires + +29.067 +29.068 + +29.069 + +29.070 + +Appraisal Version # + +HF.002 + +Fannie Mae | Freddie Mac +(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) + +HF.003 +HF.004 + +Appraiser Reference ID +Agency Case File ID +Client Reference ID +AMC Reference ID + +HF.005 +HF.006 +HF.007 +HF.008 diff --git a/chunks/txt/9ad2a3df212292e1de053554bfe1075c27e7946725b53b8571fdba1e935b9d0d.txt b/chunks/txt/9ad2a3df212292e1de053554bfe1075c27e7946725b53b8571fdba1e935b9d0d.txt new file mode 100644 index 0000000000000000000000000000000000000000..2166a3dd7f45b2893bb167b5f3f5697ce208d147 --- /dev/null +++ b/chunks/txt/9ad2a3df212292e1de053554bfe1075c27e7946725b53b8571fdba1e935b9d0d.txt @@ -0,0 +1,82 @@ +1 + +1 + +Boolean + +Boolean + +Property Analysis +Comment + +A free-form text field that holds the +property analysis comments for the +analysis category specified by Property +Analysis Type. + +/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Ty +pe='ConformsToNeighborhood']/@_Comment + +4000 + +String + +This field should contain a description if the property does not generally conform to +the neighborhood (functional utility, style, condition, use, construction, use, etc). + +Note: All text entered in this field, including overflow into the addendum, must be +captured and included in the XML data point. + +One and only one of fields 1-207, 1-208 +(Property Analysis Type = 'PhysicalDeficiency' +and values of Property Analysis Exists +Indicator) should be indicated. + +One and only one of fields 1-207, 1-208 +(Property Analysis Type = 'PhysicalDeficiency' +and values of Property Analysis Exists +Indicator) should be indicated. + +This field should be populated if field 1-207 +(Property Analysis Type = 'PhysicalDeficiency' +and Property Analysis Exists Indicator = 'Y') is +indicated. + +One and only one of fields 1-210, 1-211 +(Property Analysis Type = +'ConformsToNeighborhood' and values of +Property Analysis Exists Indicator) should be +indicated. +One and only one of fields 1-210, 1-211 +(Property Analysis Type = +'ConformsToNeighborhood' and values of +Property Analysis Exists Indicator) should be +indicated. + +This field should be populated if field 1-211 +(Property Analysis Type = +'ConformsToNeighborhood' and Property +Analysis Exists Indicator = 'N') is indicated. + +R + +T + +R + +R + +T + +T + +T + +T + +T + +T + +Form FNM 2055 FRE 2055 +Appendix B: GSE Appraisal Forms Mapping diff --git a/chunks/txt/9adde54436e1421c84c839e92eff1ec2d8cc338b43b7f7197a976ffbeb5762d4.txt b/chunks/txt/9adde54436e1421c84c839e92eff1ec2d8cc338b43b7f7197a976ffbeb5762d4.txt new file mode 100644 index 0000000000000000000000000000000000000000..5babd19e49a5893c908756aecc341bbac06dedb0 --- /dev/null +++ b/chunks/txt/9adde54436e1421c84c839e92eff1ec2d8cc338b43b7f7197a976ffbeb5762d4.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"taxonomy\/term\/166","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\/annual-housing-report":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. 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For DTS “rural area” eligibility from January 1 – June 30, 2023, use the 2022 ZIP file. For DTS “rural area” eligibility from July 1 – December 31, 2023, use the 2023 ZIP file.* diff --git a/chunks/txt/9aecc7d0231111d3e2a0b534489604936ead5a30a8bb8c7f340c9d3dc3d17f1c.txt b/chunks/txt/9aecc7d0231111d3e2a0b534489604936ead5a30a8bb8c7f340c9d3dc3d17f1c.txt new file mode 100644 index 0000000000000000000000000000000000000000..7eadc76b7be832f7fd328ff3fb2eb6712a8b70a8 --- /dev/null +++ b/chunks/txt/9aecc7d0231111d3e2a0b534489604936ead5a30a8bb8c7f340c9d3dc3d17f1c.txt @@ -0,0 +1,217 @@ +OneToTenYears + +true + +Asphalt + +NewOrLikeNew + +Roof + +TypicalWearAndTear + +Standard grade materials used + +Windows + +Vinyl thermal pane - double hung + +C3 + +Q4 + +GroundLevel + +1 + +Centralized + +NaturalGas + +ForcedWarmAir + +WaterHeater + +false + +DwellingFront + +\\Images\SF5_DwellingFront.png + +image/png + +PropertyPhoto + +\\Images\SF5_DwellingFront.png + +image/png + +PropertyAccess + +\\Images\SF5_PropertyAccess.png + +image/png + +SalesComparableMap + +\\Images\SF5_ComparableMap.png + +image/png + +Residential + +View + +\\Images\SF5_View.png + +image/png + +PriceTrendGraph + +\\Images\SF5_PriceTrend.png + +image/png + +2024-03-03 + +Physical + +Physical + +false + +25.165173 + +-51.328125 + +The subject's market area is framed to the North by I-70, to the East by Main Street, to the South and West by George Washington Park. + +12 + +The pool of potential comparable sales was arrived at by applying the following filters: 3 bedroom, 2 bath built within the past 10 years, located within the subject's market area (east of Washington Park) during the past 12 months. + +7 + +369000 + +325000 + +52 + +349000 + +ActiveListings + +2 + +PendingSales + +43 + +370000 + +325000 + +340000 + +TotalSales + +UnderThreeMonths + +InBalance + +false + +Hilltop Hills + +Lot 3 Block 8 Section 2 of Hilltop Hills + +15000 + +LandWithDwelling + +AssessorUnformattedIdentifier + +KLWMDFMW + +168 + +Wood + +Deck + +\\Images\SF5_Deck.png + +image/png + +OutdoorLiving + +0 + +Detached + +1 + +true + +1 + +false + +false + +C3 + +Q4 + +true + +true + +FeeSimple + +false + +false + +false + +false + +false + +false + +TraditionalAppraisal + +true + +false + +2018-10-30 + +250000 + +Sale + +TypicallyMotivated + +None + +true + +true + +true + +true + +true + +Asphalt + +Local + +true + +PublicStreet diff --git a/chunks/txt/9aed562fcd42cc5cf7dc94f0ac67a1db8758a6e4302cb958789ca5db1064fed4.txt b/chunks/txt/9aed562fcd42cc5cf7dc94f0ac67a1db8758a6e4302cb958789ca5db1064fed4.txt new file mode 100644 index 0000000000000000000000000000000000000000..8c8ae6723fec9ee30006e7a5ba8644fb9646f6e1 --- /dev/null +++ b/chunks/txt/9aed562fcd42cc5cf7dc94f0ac67a1db8758a6e4302cb958789ca5db1064fed4.txt @@ -0,0 +1,23 @@ +We find a puzzling increase in home valuations following the adoption of stricter flood standards. At the same time, we are observing shifts in appraisers’ valuation practices. Specifically, appraisers reduce negative language, use fewer flood-zone comparables, and apply smaller adjustments to... + - Staff Working Papers + +January 10, 2025 + +## [Working Paper 25-01: The Male and Female Gap in Home Appraisals](/research/papers/wp2501) + +Using 24 million appraisals for refinance mortgages over the January 2013 to March 2024 period and comparing homes in the same census tract and year-quarter, we find that homes of single female households are appraised for 2.4% less than those of single men. Appraisers make lower adjustments to... + - Staff Working Papers + +December 23, 2024 + +## [Working Paper 24-11: Individual Borrower Motivations Surrounding Mortgage Forbearance Take-Up and Exit](/research/papers/wp2411) + +Borrower perceptions and beliefs about the future influence mortgage forbearance decisions. Using a proprietary dataset combining administrative mortgage records with borrower surveys, we find subjective expectations regarding forbearance uncertainty and financial knowledge help predict forbearance... + - Staff Working Papers + +December 20, 2024 + +## [Working Paper 24-10: European Energy Crisis: Did Electricity Prices Shock Real Estate Markets?](/research/papers/wp2410) + +This paper investigates the impact of the 2021–2022 European energy crisis, a significant macro-financial shock, on homebuyer willingness-to-pay for energy-efficient homes in Norway. Leveraging the country’s electricity market—characterized by five distinct regions with varying exposure to European... + - Briefs, Notes & White Papers diff --git a/chunks/txt/9af96b28de3ccc40075bd06d29d68abf17670f9cc7b68e34f377ea8474b34bf2.txt b/chunks/txt/9af96b28de3ccc40075bd06d29d68abf17670f9cc7b68e34f377ea8474b34bf2.txt new file mode 100644 index 0000000000000000000000000000000000000000..b257bc4a46660b816005f05cd849d99467e27422 --- /dev/null +++ b/chunks/txt/9af96b28de3ccc40075bd06d29d68abf17670f9cc7b68e34f377ea8474b34bf2.txt @@ -0,0 +1,21 @@ +INTENDED USE: The intended use of this appraisal report is for the lender/client to evaluate the property that is the +subject of this appraisal for a mortgage finance transaction. + +INTENDED USER: The intended user of this appraisal report is the lender/client. + +MARKET VALUE: The most probable price which a property should bring in a competitive and open market under all +conditions requisite to a fair sale, the buyer and seller, each acting prudently, knowledgeably and assuming the price is not +affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of +title from seller to buyer under conditions whereby: (1) buyer and seller are typically motivated; (2) both parties are well +informed or well advised, and each acting in what he or she considers his or her own best interest; (3) a reasonable time is +allowed for exposure in the open market; (4) payment is made in terms of cash in U. S. dollars or in terms of financial +arrangements comparable thereto; and (5) the price represents the normal consideration for the property sold unaffected by +special or creative financing or sales concessions* granted by anyone associated with the sale. + +*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are +necessary for those costs which are normally paid by sellers as a result of tradition or law in a market area; these costs are +readily identifiable since the seller pays these costs in virtually all sales transactions. Special or creative financing +adjustments can be made to the comparable property by comparisons to financing terms offered by a third party institutional +lender that is not already involved in the property or transaction. Any adjustment should not be calculated on a mechanical +dollar for dollar cost of the financing or concession but the dollar amount of any adjustment should approximate the market’s +reaction to the financing or concessions based on the appraiser’s judgment. diff --git a/chunks/txt/9b04002f1b2ff1ea78e14f9496c2eafb426a30a8d2e8fcc2f65a449a76d64c8d.txt b/chunks/txt/9b04002f1b2ff1ea78e14f9496c2eafb426a30a8d2e8fcc2f65a449a76d64c8d.txt new file mode 100644 index 0000000000000000000000000000000000000000..f2b90a207f5ed07cd1d6fef62ac7bcf06e403cc9 --- /dev/null +++ b/chunks/txt/9b04002f1b2ff1ea78e14f9496c2eafb426a30a8d2e8fcc2f65a449a76d64c8d.txt @@ -0,0 +1,175 @@ +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@_Amount + +9 + +Money + +UAD Requirement - Refer to Appendix D Contract Section +Whole dollars only. + +This field is required if field 1-33 +(Appraisal Purpose Type = 'Purchase') +is indicated. + +CR + +CR + +CR + +49 + +1 + +46 + +CONTRACT + +Date of Contract + +Sales Contract +Date + +The effective date of the sales contract +(e.g. the date of sale). + +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@_Date + +10 + +Date/Time + +UAD Requirement - Refer to Appendix D Contract Section + +Data Format: +yyyy-mm-dd + +PDF Display Format: +mm/dd/yyyy + +50 + +1 + +47 + +CONTRACT + +Is the property seller the owner +of public record? +Yes + +Seller Is Owner +Indicator + +Indicates that the seller is the owner of the +property. + +/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@SellerIsOwne +rIndicator=‘Y’] + +1 + +Boolean + +UAD Requirement - Refer to Appendix D Contract Section + +This field is required if field 1-33 +(Appraisal Purpose Type = 'Purchase') +is indicated. + +CR + +CR + +CR + +If field 1-33 (Appraisal Purpose Type = +'Purchase') is indicated, then one and +only one of fields 1-47, 1-48 must be +indicated. + +CR + +CR + +CR + +Form FNM 1073 FRE 465 +Appendix B: GSE Appraisal Forms Mapping + +Page 84 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality +1073/465 + +Data Field +Conditionality 1073 +Hybrid/465H + +Data Field +Conditionality 1073 +Desktop/465D + +48 + +49 + +50 + +51 + +52 + +53 + +54 + +55 + +1 + +1 + +1 + +1 + +1 + +CONTRACT + +Is the property seller the owner +of public record? +No diff --git a/chunks/txt/9b187dd91105bd7a6308e6516871a5d910078f86d2009075911b83b0ecc2e2cc.txt b/chunks/txt/9b187dd91105bd7a6308e6516871a5d910078f86d2009075911b83b0ecc2e2cc.txt new file mode 100644 index 0000000000000000000000000000000000000000..4a48f68159f804a3a9a4ded4758accce92f8ba87 --- /dev/null +++ b/chunks/txt/9b187dd91105bd7a6308e6516871a5d910078f86d2009075911b83b0ecc2e2cc.txt @@ -0,0 +1,15 @@ +### Repayment Plans + +In a repayment plan, past due amounts are added on to the borrower’s mortgage payment to be repaid over several months in order to bring the mortgage current. Repayment plans allow a borrower time to catch up on late payments without having to come up with a lump sum. + +### Forbearance Plans + +Forbearance plans allow a borrower to make reduced mortgage payments or no mortgage payments for a specific period of time. Forbearance may be granted for borrowers in temporary or short-term financial difficulty. At the conclusion of the forbearance period the borrower is required to pay any missed payments or amounts, which is generally achieved with a repayment plan or loan modification. + +### Payment Deferral + +A payment deferral allows a borrower to keep the same monthly payment by moving past-due amounts to the end of the loan as a non-interest bearing balance, due and payable at maturity, sale, refinance, or payoff. Missed tax and insurance payments (escrow payments), may affect the total monthly payment. + +### ​Flex Modification + +In 2016, FHFA required the Enterprises to develop an aligned post-crisis loan modification program that built on lessons learned from the crisis-era modification programs. The aligned effort resulted in the Flex Modification, announced in [December 2016​](/news/statement/statement-of-fhfa-deputy-director-sandra-thompson-on-new-loan-modification-offering-for-delinquent).Flex Modification replaced Standard and Streamlined Modifications. Servicers were required to implement Flex Modification by October 1, 2017. For borrowers who qualify, the new loan terms available under a Flex Modification are determined based on the following steps: diff --git a/chunks/txt/9b191d8a15e88626d50a241d72abd8068dfe22281d66f1c4418c96f25cd229e7.txt b/chunks/txt/9b191d8a15e88626d50a241d72abd8068dfe22281d66f1c4418c96f25cd229e7.txt new file mode 100644 index 0000000000000000000000000000000000000000..8f5e1feb04f6137d3876bbef8493f301b9f808c7 --- /dev/null +++ b/chunks/txt/9b191d8a15e88626d50a241d72abd8068dfe22281d66f1c4418c96f25cd229e7.txt @@ -0,0 +1,39 @@ +[Mortgage Translations](/mortgage-translations) + +- [About Mortgage Translations](/mortgage-translations) + - [Borrower Education Materials](/mortgage-translations/borrower-education-materials) + - [COVID-19 Resources](/mortgage-translations/covid-19-resources) + - [Interpretive Services](/mortgage-translations/interpretive-services) + - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure) + - [Search Documents](/mortgage-translations/search) + - News Public Affairs + +- [News Releases](/news/news-release) + - [Statements](/news/statement) + - [Speeches](/news/speech) + - [Testimonies](/news/testimony) + - [Public Input](/public-input) + - [Blogs](/blog) + - [Fact Sheets](/news/fact-sheet) + - [FAQs](/faqs) + - [Partner Agency Engagements](/news/partner-agency-engagements) + - [Public Engagements](/news/public-engagements) + - [Videos](/media) + +Social Media + +- [Facebook](https://www.facebook.com/FHFA) + - [LinkedIn](https://www.linkedin.com/company/354523) + - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [X (formerly Twitter)](https://twitter.com/FHFA) + .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu + +# Housing Mission Report + +## Breadcrumb + +- [Home](/) + - [Reports](/reports) + - Housing Mission Report + +​​​​​​The Federal Housing Finance Agency (FHFA), as regulator and conservator of Fannie Mae and Freddie Mac (the Enterprises), and as regulator of the 11 Federal Home Loan Banks (FHLBanks), is responsible for their effective supervision, regulation, and mission oversight. FHFA oversees the Enterprises and the FHLBanks (regulated entities) as they work to fulfill their responsibilities to support affordable and sustainable housing finance, targeted financing for economic development, and underserved communities. This report provides a summary of the activities carried out by the regulated entities in pursuit of those objectives. diff --git a/chunks/txt/9b1a63d3422b928ae445346ad260878834b3e612ff28a2968c8d75ad14ce63c6.txt b/chunks/txt/9b1a63d3422b928ae445346ad260878834b3e612ff28a2968c8d75ad14ce63c6.txt new file mode 100644 index 0000000000000000000000000000000000000000..da15399cee5aa94057cf7d9734f31758e5cdc6b0 --- /dev/null +++ b/chunks/txt/9b1a63d3422b928ae445346ad260878834b3e612ff28a2968c8d75ad14ce63c6.txt @@ -0,0 +1,60 @@ +NOTE: The UCD Test Environment has been updated to include the Phase 1 UCD Critical Edits. To assist your +testing, on November 4 all Phase 1 edits will have a severity of Fatal to mirror May 2021. + +© 2020 Fannie Mae + +October 2020 + +Effective +Date + +Impacted +Area + +Description + +Additional Resources: + +Uniform Closing Dataset Critical Edits Implementation Timeline + +UCD Critical Edits Matrix + +UCD Critical Edits Implementation Guide + +Nov. 2, 2020 +NEW + +Edits Updates + +Review the Edit Change Effective Date in the UCD Feedback Messages for a listing of effective edit updates including: + +• + +3 new Warning edits related to ARM Index, Property Seller Container, and Closing Agent Seller. + +In Case You Missed It + +Effective +Date + +March 2, 2020 + +Impacted +Area + +UCD Graphical +User Interface +(GUI) + +Description + +The UCD Collection Solution user interface design has been updated for a user-friendly look and feel for an enhanced +performance. + +NOTE: The UCD Data Form Entry will not be impacted. + +For Internet Browser compatibility please refer to the Technology Requirements. + +© 2020 Fannie Mae + +October 2020 diff --git a/chunks/txt/9b2bb5dc48ffb02a1e01a045743638cdae6201c65ff2b5ccc2580509dc98c318.txt b/chunks/txt/9b2bb5dc48ffb02a1e01a045743638cdae6201c65ff2b5ccc2580509dc98c318.txt new file mode 100644 index 0000000000000000000000000000000000000000..301bc33b94a7828b5a6337666555f98d655a5ac6 --- /dev/null +++ b/chunks/txt/9b2bb5dc48ffb02a1e01a045743638cdae6201c65ff2b5ccc2580509dc98c318.txt @@ -0,0 +1,90 @@ +05.006 Comment + +Required if +Construction +Consistent with +Original Plans and +Specs is No + +Required if +Construction +Consistent with +Original Plans and +Specs is No + +Required if +Construction +Consistent with +Original Plans and +Specs is No + +Required if +Construction +Consistent with +Original Plans and +Specs is No + +Required if +Construction +Consistent with +Original Plans and +Specs is No + +Completion Status Table (For each inconsistent item) + +Allowable +Answers / Format + +Free-form + +Definition / Additional Guidance + +The item that was not completed in a manner consistent with the original plans +and specs. + +Photo or image + +Photo(s) of the item(s) that were not completed in a manner consistent with +the original plans and specs must be provided, which display in Completion +Report Exhibits as “Inconsistent Item” with the Feature. An additional caption +may be provided to further identify the photo. + +Free-form + +Briefly describe the location of the inconsistent item. + +Choose an +allowable answer +from the +Definition / +Additional +Guidance column + +Free-form + +The quality of the materials and workmanship compared to the original plans +and specifications. +• +Superior +• +Similar (different from plans and specs but similar quality) +• +Inferior + +Describe the difference in quality of the materials and workmanship for the +item that was not completed in a manner consistent with the original plans and +specs. + +Appendix F-3: Completion Report Reference Guide + +Page 19 of 33 + +Version 1.3 + +Uniform Appraisal Dataset + +06 Completion Report Commentary + +06 Completion Report Commentary + +The Completion Report Commentary section displays when comments are provided. diff --git a/chunks/txt/9b39b8107bc3aa46f74d40bd25385f4c241322790a80b7ee0a0a3cf089a4d2e5.txt b/chunks/txt/9b39b8107bc3aa46f74d40bd25385f4c241322790a80b7ee0a0a3cf089a4d2e5.txt new file mode 100644 index 0000000000000000000000000000000000000000..669ebc5f3d1507162a7ae819512e7e13e5dd532d --- /dev/null +++ b/chunks/txt/9b39b8107bc3aa46f74d40bd25385f4c241322790a80b7ee0a0a3cf089a4d2e5.txt @@ -0,0 +1 @@ +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/17711","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/9b3f524e426b676dad765dee71e0343054d387ef457cfff94be28efc0a1974ed.txt b/chunks/txt/9b3f524e426b676dad765dee71e0343054d387ef457cfff94be28efc0a1974ed.txt new file mode 100644 index 0000000000000000000000000000000000000000..a03a4427ffb489fab1ce6316c2085877bdc42b85 --- /dev/null +++ b/chunks/txt/9b3f524e426b676dad765dee71e0343054d387ef457cfff94be28efc0a1974ed.txt @@ -0,0 +1,143 @@ +04 Grant from Community Le nding Program paid to Ficus Bank + +05 Existing Escrow Account Rollover + +25.2 K. TOTAL PAYOFFS AND PAYMENTS + +$2,057.00 + +-$5,000.00 + +-$200.00 + +25.2.1 $125,857.00 + +Figure 141. Payoffs and Payments Table – Principal Reduction for Refinance + +25. 1 | 25. 1. 1 LI NE I TEMS + +The data points in the table below are used to populate the Payoffs and Payments table line items. + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 Value + +Notes + +Table 157. Payoffs and Payments Table + +Rho Servicing to +pay off existing +loan + +25.1 + +25.1 N/A - XML + +25.1 N/A - GSE + +25.1 Rho Servicing to +pay off existing +loan + +25.1.1 Rho Servicing to +pay off existing +loan ($) + +25.1 Beta Card, Inc. to +pay down credit +card balance + +25.1 N/A – XML + +25.1 N/A - GSE + +First Instance of LIABILITY + +…/LIABILITY_DETAIL + +LiabilityType + +@gse:DisplayLabelT +ext + +FirstPositionMortgageLi +en + +First Mortgage Payoff + +ROF as “to pay off +existing loan” + +…/LIABILITY_DETAIL/E +XTENSION/OTHER + +gse:IntegratedDisclo +sureSectionType + +PayoffsAndPayments + +Not Shown + +gse:LiabilitySecured +BySubjectPropertyIn +dicator +FullName + +true + +Not shown – Data +clarity + +Rho Servicing + +…/LIABILITY_HOLDER/ +NAME + +…/PAYOFF + +PayoffAmount + +124000.00 + +ROF as “$124,000.00” + +Second Instance of LIABILITY + +.../LIABILITY_DETAIL + +LiabilityType + +Open30DayChargeAcco +unt + +@gse:DisplayLabelT +ext + +To pay down credit card +balance + +ROF as “to pay down +credit card balance” + +…/LIABILITY_DETAIL/E +XTENSION/OTHER + +gse:IntegratedDisclo +sureSectionType + +PayoffsAndPayments + +Not Shown + +gse:LiabilitySecured +BySubjectPropertyIn +dicator diff --git a/chunks/txt/9b5e9443fad030e023fc3698bb516cd5fc455770774e1e8d11462d99d5e0a780.txt b/chunks/txt/9b5e9443fad030e023fc3698bb516cd5fc455770774e1e8d11462d99d5e0a780.txt new file mode 100644 index 0000000000000000000000000000000000000000..7f80e702764ef4dfe55c68077cbb0d49f6997388 --- /dev/null +++ b/chunks/txt/9b5e9443fad030e023fc3698bb516cd5fc455770774e1e8d11462d99d5e0a780.txt @@ -0,0 +1,23 @@ +Loan Application Data Warnings + +-------------------------------------------------------------------------------- + +WARNING - EMPLOYMENT / STATUS_TYPE (EMPLOYER_1) - value is required for all employments (Employment and +associated income ‘INCOME_1’ were removed from the loan application data). + +Other Updates + +Other updates will also be made to the loan application data validation at an individual field or container level. These updates +could result in customers receiving various warnings or errors for invalid data, incomplete data, or negative values at different +times during the processing of the file. + +Release Support +These updates will be implemented in the DU integration environment on or around May 15, 2024. + +If you have questions about the integration impact or if you require support specific to these updates, contact your Technology +Integration Analyst or Integration Support. For more information about DU, visit the DU page or contact your Fannie Mae +representative. + +© 2024 Fannie Mae 4.17.24 + +2 of 2 diff --git a/chunks/txt/9b6657a63012b7ef758bd08d6025718eb0e6fdda635edcfd98459a94ea920ed7.txt b/chunks/txt/9b6657a63012b7ef758bd08d6025718eb0e6fdda635edcfd98459a94ea920ed7.txt new file mode 100644 index 0000000000000000000000000000000000000000..047b717ac4cb060f8d3ced72d38b24686717bdfe --- /dev/null +++ b/chunks/txt/9b6657a63012b7ef758bd08d6025718eb0e6fdda635edcfd98459a94ea920ed7.txt @@ -0,0 +1,35 @@ +The Information Resources Management (IRM) Strategic Plan provides direction, organizational alignment, and prioritization for key information technology and data initiatives. The IRM Plan incorporates an Open Data Plan as a key component of the broader strategy. + +## [FHFA Data Governance Committee](/sites/default/files/2024-01/FHFA-Data-Governance-Committee-Charter_09162022.pdf) + +The committee is chaired by the Chief Data Officer and helps ensure the Agency makes strategic and tactical decisions concerning data governance and lifecycle data management in a collaborative and informed manner. + +## [Artificial Intelligence Use Cases](/data/artificial-intelligence-use-case-inventory) + +FHFA compiled a list of Artificial Intelligence use cases for the purposes of “Promoting the Use of Trustworthy Artificial Intelligence in the Federal Government.” + +## [Information Quality](/about/information-quality) + +Information Quality Guidelines have been prepared to ensure and maximize the quality, objectivity, utility and integrity of information disseminated by FHFA. + +*Page last updated: August 18, 2025* + +Sign up for email updates + +Leave this field blank + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +## Footer Highlighted + +- [About](/about) + - [Careers](/about/careers) + - [Sitemap](/sitemap) + - [Contact Us](/contact) + +--- + +- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA) + - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA) + - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw) + - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/) diff --git a/chunks/txt/9b75079259062dbb021764db642ad6e162d38624c6b1e1a705809b7c7f4e46c9.txt b/chunks/txt/9b75079259062dbb021764db642ad6e162d38624c6b1e1a705809b7c7f4e46c9.txt new file mode 100644 index 0000000000000000000000000000000000000000..5e3f966d93e652e3992b0ab846051a08545604e6 --- /dev/null +++ b/chunks/txt/9b75079259062dbb021764db642ad6e162d38624c6b1e1a705809b7c7f4e46c9.txt @@ -0,0 +1,88 @@ +Free-form + +Choose one or +more allowable +answers from +table (Reasons +Illegal) + +Adverse, +Beneficial, or +Neutral + +Yes | No + +Descriptive text that explains the details of the Classification Code as used and +defined by the local governing authority. +Examples: +• +• Mixed use structures and low-rise multifamily units in the defined Central + +Residential single-family dwellings on 1 acre lots + +Business District (CBD) + +Accessory Dwelling Unit +Development Standards +Excessive Units +Lot Size + +The reason(s) the site does not comply with zoning regulations. +• +• +• +• +• Manufactured Home +• +Other (Describe) + +Indicates whether the building code or zoning regulations allow the property to +be rebuilt to the current density and use if current improvements are +destroyed. + +4.014 + +Description of +Zoning +Compliance + +Required if Zoning +Compliance is not +Legal, or if relevant + +Free-form + +Description could include information pertinent to zoning compliance that is +not captured in the discrete data, or additional details to support the discrete +data that is provided. + +Allowable Answer + +Definition / Additional Guidance + +Accessory Dwelling Unit + +Accessory dwelling units are not allowed on the site. + +Site: Zoning - Reasons Illegal (Choose all that apply) + +Development Standards + +Site is not compliant with development regulations (e.g., a dwelling with a building footprint that exceeds the allowable +setback lines or size restrictions). + +Appendix F-1: URAR Reference Guide + +Page 57 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +04 Site + +Allowable Answer + +Excessive Units + +Site: Zoning - Reasons Illegal (Choose all that apply) diff --git a/chunks/txt/9b7b45b8dd3ecabc5ed4f8f8a88da62eccfdb68488ffa1a2e709e5d8e87e2b07.txt b/chunks/txt/9b7b45b8dd3ecabc5ed4f8f8a88da62eccfdb68488ffa1a2e709e5d8e87e2b07.txt new file mode 100644 index 0000000000000000000000000000000000000000..c3acd09d3f66d5f65459fef9bbcac67acbe140d5 --- /dev/null +++ b/chunks/txt/9b7b45b8dd3ecabc5ed4f8f8a88da62eccfdb68488ffa1a2e709e5d8e87e2b07.txt @@ -0,0 +1,31 @@ +CONVERSION_OPTION_PERIOD_ADJUSTMENT RULE (For Future Use)....................... 45 +4.   PER_CHANGE_ADJUSTMENT_RULES / PER_CHANGE_ADJUSTMENT_RULE................ 46 +5.   PERIODIC_ADJUSTMENT_RULES / PERIODIC_ADJUSTMENT_RULE.............................. 46 +6.   Rate_Or_Payment_Change_Occurrences / Rate_Or_Payment_Change_Occurrence 48 +I.  Container-Specific Concepts: PARTY .............................................................................. 49 +1.   The Importance of PartyRoleType.............................................................................. 49 +2.   PartyRoleTypes Used in the Loan Delivery Data Set................................................. 51 +V. Resources ................................................................................................................................. 57 +A. ULDDS Document Package .............................................................................................. 57 +B. GSE-Specific Implementation Guide Package .................................................................. 58 +C.  Common Usage and GSE-Specific Test Case Scenarios.................................................. 58 +D.  Resource Web Sites .......................................................................................................... 59 +E.  XML schema Editors ........................................................................................................ 59 +VI. V3.0 Reference Model Features Not Used in the ULDDS..................................................... 60 +A. The V30_B263-12_LDDReport ........................................................................................ 60 +1. Data Point..................................................................................................................... 60 +2. Enumeration : Explanation .......................................................................................... 60 +3. Enumeration: -- URN Suffix........................................................................................ 60 +4. Sensitive Information................................................................................................... 60 +5. URN .............................................................................................................................. 61 +B. Containers.......................................................................................................................... 62 +1. URN ............................................................................................................................. 62 +C. Attributes........................................................................................................................... 63 +1. URN ............................................................................................................................. 63 +D. Arc Roles........................................................................................................................... 63 +E. Deprecated Data Points and Containers ............................................................................ 64 +F. Additions: The Extension Container ................................................................................. 65 +VII. Glossary................................................................................................................................. 66 +VIII. Acronyms and Abbreviations............................................................................................... 69 +IX. Data Points Referenced........................................................................................................... 70 +X. Index......................................................................................................................................... 71 diff --git a/chunks/txt/9b88dcde479652438eb2b329020b55cb7528daabfd77669548f614b8887bc674.txt b/chunks/txt/9b88dcde479652438eb2b329020b55cb7528daabfd77669548f614b8887bc674.txt new file mode 100644 index 0000000000000000000000000000000000000000..eefd9f3e816d6eb12ad8df0f73ef4c94d5e8755c --- /dev/null +++ b/chunks/txt/9b88dcde479652438eb2b329020b55cb7528daabfd77669548f614b8887bc674.txt @@ -0,0 +1,165 @@ +5.1.2 + +Years 8 – 30 + +Figure 54. Two Payment Calculation Year Ranges + +The document-specific data points used to represent the Year Ranges are shown in Table 71. + +Table 71. Two Payment Calculation Year Ranges. + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +First Instance of PROJECTED_PAYMENT + +5.1.1 + +N/A + +5.1.1 + +Years 1 – 7 + +…./INTEGRATED_DI +SCLOSURE/PROJEC +TED_PAYMENTS/PR +OJECTED_PAYMEN +T + +5.1.1 + +Years 1 – 7 + +5.1.1 + +Years 1 – 7 + +@SequenceNumber 1 + +ProjectedPaymentC +alculationPeriodEn +dNumber + +ProjectedPaymentC +alculationPeriodSta +rtNumber + +7 + +1 + +ProjectedPaymentC +alculationPeriodTer +mType + +Yearly + +Second Instance of PROJECTED_PAYMENT + +Not shown – +Designates this +container as the +first in a series + +▪ Designates the +last number in +the Year Range +▪ Represented as +“7” on form + +▪ Designates the +first number in +the Year Range +▪ Represented as +“1” on form + +Represented as +“Years” on form + +Appendix E: UCD Implementation Guide + +Page 81 of 254 + +Version 1.4 + +Uniform Closing Dataset + +5.0 Projected Payments Table + +Table 71. Two Payment Calculation Year Ranges. + +ID + +Form Field Name + +MISMO v3.3.0 +Context + +MISMO v3.3.0 Data +Point/Attribute + +MISMO v3.3.0 +Value + +Notes + +5.1.2 + +N/A + +…/PROJECTED_PAY +MENT + +@SequenceNumber 2 + +5.1.2 + +Years 8 – 30 + +5.1.2 + +Years 8 – 30 + +5.1.2 + +Years 8 – 30 + +2. PAYMENT RANGES + +ProjectedPaymentC +alculationPeriodEn +dNumber + +30 + +ProjectedPaymentC +alculationPeriodSta +rtNumber + +8 + +ProjectedPaymentC +alculationPeriodTer +mType + +Yearly + +End of PROJECTED_PAYMENT Instances + +Not shown – +Designates this +container as the +second in a series diff --git a/chunks/txt/9b8b895a0e97428f3e1122d2989a9c4a26f307b35c2710e09de61b4a1f0577fd.txt b/chunks/txt/9b8b895a0e97428f3e1122d2989a9c4a26f307b35c2710e09de61b4a1f0577fd.txt new file mode 100644 index 0000000000000000000000000000000000000000..12dedb41977c1205b39cf37f151843d581c30b65 --- /dev/null +++ b/chunks/txt/9b8b895a0e97428f3e1122d2989a9c4a26f307b35c2710e09de61b4a1f0577fd.txt @@ -0,0 +1,79 @@ +23.9: Reg §1026.38(r)-7 pp. 80361; 38(r)(7) p. 80128; §1026.37(k)-4 p. 80347; §1026.37(k)(3) p. 80119. + +Appendix E: UCD Implementation Guide + +Page 233 of 254 + +Version 1.4 + +Uniform Closing Dataset + +24.0 Confirm Receipt + +24.0 CONFIRM RECEIPT + +The Confirm Receipt section is included in the following Closing Disclosure variations: + +Table 153. Required Sections for each Closing Disclosure Variation -- UPDATED + +Form +Field ID + +Form Section Name + +Purchase Transactions Only + +Model Form + +Split-Borrower Only + +Non-Seller Transactions Only +Alternate Form + +24.0 + +Confirm Receipt + +Optional + +Optional + +Optional + +At the lender’s option, under the heading Confirm Receipt, one or more line(s) for the borrowers’ signatures +may be disclosed. Additional signature lines may be added if they are added beneath the Confirm Receipt +heading and text. If the additional signatures exceed the amount of space available on page 5, an additional +page may be added with appropriate reference and a repetition of the Confirm Receipt heading text. + +24.0 + +Confirm Receipt +By signing, you are only confirming that you have received this form. You do not have to accept this loan because you have signed or +received this form. +Michael Jones +24.1 Applicant Signatu re +Michael Jones + +Aril, 18, 2018 +24.2 Date + +24.1 Co- Applicant Signatu re + +Mary Stone + +Mary Stone + +April 18, 2018 +24.2 Date + +Figure 139. Additional Information About This Loan - Confirm Receipt + +A. BORROWER AND SELLER RELATIONSHIPS TO SI G NATURE LI NE + +As with the Contact Information table’s relationships between employer and employee, @xlink is used to +establish a link between the signature and borrower. For the relationship between the borrower and the +signature on the form, RELATIONSHIP under DOCUMENT defines a relationship of “is associated with”. The +indication of which ROLE is associated with which SIGNATORY is done by adding @xlink:label to each borrower +ROLE and associated SIGNATORY and including these labels in the definition of the @arcrole in RELATIONSHIP. +The following table presents data points and attributes used to convey the signature date in the Confirm Receipt +section. diff --git a/chunks/txt/9b994b48ffa46d964c9393fabda3fbfdd35d19dfc763f3bd0fc16af68a834d01.txt b/chunks/txt/9b994b48ffa46d964c9393fabda3fbfdd35d19dfc763f3bd0fc16af68a834d01.txt new file mode 100644 index 0000000000000000000000000000000000000000..cfebe049c3c5fe5d5d0365545b6330cc6c75a5fd --- /dev/null +++ b/chunks/txt/9b994b48ffa46d964c9393fabda3fbfdd35d19dfc763f3bd0fc16af68a834d01.txt @@ -0,0 +1,46 @@ +Captures loan-to-value ratios for the delivered loan and +all its associated loans. + +Loan information, organized into many child +containers. For example, the REFINANCE container +holds containers and data points specific to refinances. +All data points within each LOAN instance must be valid +for that LOAN’S LoanRoleType, LoanStateType, and +LoanStateDate. + +Information about parties to the transaction, for +example, borrower, loan originator, or appraiser, as +identified by the value in PartyRoleType in the +ROLE_DETAIL container. The data submitted should be +the most up-to-date party information known at the +time of delivery. PARTY is used in LOAN, DEAL_SET, and +DEAL_SETS; usage differs for each GSE. + +The unique identifier assigned to a PartyRoleType, for +example, the Seller Number or the Loan Originator ID. + +Identifies the role played by the entity described in this +instance of PARTY. Each GSE uses different roles as +specified in their GSE-specific Appendix As. + +Captures special characteristics of the DEAL_SET. Also +used within LOAN. Usage differs by GSE. + +Information about parties related to a pool of loans, as +identified by the value in PartyRoleType in the +ROLE_DETAIL container. This container is specific to +Fannie Mae’s loan delivery application. + +….:.PARTY_ROLE_IDENTIFIERS The unique identifier assigned to a PartyRoleType. + +….:.ROLE + +…POOL + +Identifies the role played by the entity described in this +instance of PARTY. Each GSE uses different roles as +specified in their GSE-specific Appendix As. + +Captures information about pooling of loans for +securitization. This container is specific to Fannie +Mae’s Loan Delivery application. diff --git a/chunks/txt/9b9af923c764429f78de82e4e00b7117233e41b10fdb342bffe5b47041f52ab9.txt b/chunks/txt/9b9af923c764429f78de82e4e00b7117233e41b10fdb342bffe5b47041f52ab9.txt new file mode 100644 index 0000000000000000000000000000000000000000..7dbed2295720d2adbe1b87e9ba2daed6b1e68d39 --- /dev/null +++ b/chunks/txt/9b9af923c764429f78de82e4e00b7117233e41b10fdb342bffe5b47041f52ab9.txt @@ -0,0 +1,33 @@ +27. If this report was transmitted as an “electronic record” containing my “electronic signature,” as those terms are defined in applicable +federal and/or state laws (excluding audio and video recordings), or a facsimile transmission of this report containing a copy or representation +of my signature, I agree that my electronic signature has the same force and effect as my manual handwritten signature, and that the report is +enforceable and valid as a paper version of this report would be if delivered containing my manual handwritten signature. + +28. Any intentional or negligent misrepresentation(s) contained in this appraisal report may result in civil liability and/or criminal penalties +including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq., or similar +state laws. + +29. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this +assignment. + +Signature + +Appraiser +Sam Appraiser +Sam Appraiser + +05/23/2018 + +Date of Signature and Report + +Level +ID +State +Expires + +Certified Residential +5555-2222 +IL +06/30/2020 + +Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024 diff --git a/chunks/txt/9ba77725d7a9afa7a1e6964d24fe3154844ca38a249629fb4b978a3ae0cd49bd.txt b/chunks/txt/9ba77725d7a9afa7a1e6964d24fe3154844ca38a249629fb4b978a3ae0cd49bd.txt new file mode 100644 index 0000000000000000000000000000000000000000..7434fca0531bad3cd439f20052cc2551eeff5046 --- /dev/null +++ b/chunks/txt/9ba77725d7a9afa7a1e6964d24fe3154844ca38a249629fb4b978a3ae0cd49bd.txt @@ -0,0 +1,57 @@ +Uniform Closing Dataset (UCD) Collection Solution Enhancements +Quick Guide for UCD Enhancements + +This UCD Enhancements guide provides access to 2021’sUCD updates in an easy-to-read format all in one document. See the 2020 Release Notes Summary to review an archive +of the enhancements to UCD in 2020. + +Looking for Feedback Message updates? Review the ‘Edit Updates’ tab in the UCD Feedback Messages for a summary of this year’s message updates. + +December 2, 2021 + +Updated January 19, 2022 + +In Case You Missed It + +Effective +Date + +December 6, +2021 +UPDATED + +December 6, +2021 + +Impacted Area Description + +UCD Critical Edits - + +Phase 1 + +Review the Phase 1 Edits tab in the UCD Feedback Messages for a listing of the new warning edit to further refine UCD Phase +1 data quality: + +Implementation + +• Warning-to-Fatal Edit 3317: The reported Regulation Z Total Points and Fees Amount provided is $0.00. Validate + +the amount to ensure the accuracy of the value provided. For additional information on the Regulation Z Total Points +and Fees Amount contact your Compliance Team. + +NOTE: Edit 3317 will be updated in January 2022 to a Warning severity and will not transition to fatal severity as originally +announced. + +UCD Critical Edits - + +Review the Removed Messages tab in the UCD Feedback Messages for a listing of the following UCD Phase 2 edit removals: + +Phase 2 + +Implementation + +• Warning-to-Fatal Edit 3419: When Loan Purpose Type is equal to Purchase, and Loan Closing Adjustment Item +Section Type of PaidAlreadyByOrOnBehalfOfBorrowerAtClosing is provided, and Loan Closing Adjustment Item +Amount is not equal to zero, the Loan Adjustment item Integrated Disclosure Subsection Type is required. +• Warning-to-Fatal Edit 3420: When Loan Purpose Type is equal to Purchase, and Loan Closing Adjustment Item +Section Type of PaidAlreadyByOrOnBehalfOfBorrowerAtClosing is provided, and Loan Closing Adjustment Item +SubSection Type is equal to OtherCredits, the Loan Closing Adjustment Item Amount is required. diff --git a/chunks/txt/9ba925ab5833cabeb428fa2fab4f372701feb1ccc1ef619a154bfcbb85a1e214.txt b/chunks/txt/9ba925ab5833cabeb428fa2fab4f372701feb1ccc1ef619a154bfcbb85a1e214.txt new file mode 100644 index 0000000000000000000000000000000000000000..ad06fdd478b0ec25425e722a606ddecf81789803 --- /dev/null +++ b/chunks/txt/9ba925ab5833cabeb428fa2fab4f372701feb1ccc1ef619a154bfcbb85a1e214.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/reports/fair-act-inventory" +date_accessed: "2026-01-27T17:54:20.457Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/9baa6f65e50f395f641ba883cdf13b940e9fbaa3d91355e97408a0a7a9515328.txt b/chunks/txt/9baa6f65e50f395f641ba883cdf13b940e9fbaa3d91355e97408a0a7a9515328.txt new file mode 100644 index 0000000000000000000000000000000000000000..f39151ac7c5c5ae7b232be23a7874b2716da9c05 --- /dev/null +++ b/chunks/txt/9baa6f65e50f395f641ba883cdf13b940e9fbaa3d91355e97408a0a7a9515328.txt @@ -0,0 +1,62 @@ +Prepayment Penalty Term: + +Prepayment Penalty Term is a new +HMDA data element that indicates the +length of any prepayment penalty term +during which a charge is imposed for +pre-paying all or part of the principal +prior to the contractual due date.127 The +Enterprises collect this data element. +Prepayment Penalty Term will be +disclosed without modification in the +PUDB Multifamily Census Tract File, in + +120 84 FR at 665. +121 12 CFR 1007.102. +122 12 CFR 1008.23. +123 12 CFR 1003.4(a)(34). +124 84 FR at 667. +125 12 CFR 1003.4(a)(35). +126 84 FR at 668. +127 12 CFR 1003.4(a)(22); 1026.32(b)(6)(i). + +conformance with the CFPB Privacy +Guidance.128 + +Property Value: Property Value is a +new HMDA data element that indicates +the value of the property securing the +loan, in exact dollars, that was relied on +by the lender in making the credit +decision to originate the loan.129 The +Enterprises collect this data element. +Because Property Value can be highly +unique within a census tract, the CFPB +Privacy Guidance intends to require that +it be disclosed as the midpoint of the +$10,000 interval in which the reported +value falls in order to reduce the ability +to match the loan with other sources of +data and facilitate re-identification of +the borrower.130 The PUDB Multifamily +Census Tract File will disclose Property +Value with the same modification, in +conformance with the CFPB Privacy +Guidance. + +Combined Loan-to-Value (CLTV): + +CLTV is a new HMDA data element that +indicates the ratio at origination of the +total amount of debt secured by the +property to the value of the property +relied on in making the credit decision +(discussed above), disclosed as a +percentage.131 The Enterprises collect +this data element as LTV or CLTV where +available. LTV or CLTV will be +disclosed without modification in the +PUDB Multifamily Census Tract File, +without disclosing whether the value is +CLTV or LTV, in conformance with the +CFPB Privacy Guidance.132 diff --git a/chunks/txt/9bac9724b06c34923030a2b5f3e882244d782ce9b5f584d4fa4c210e9c750408.txt b/chunks/txt/9bac9724b06c34923030a2b5f3e882244d782ce9b5f584d4fa4c210e9c750408.txt new file mode 100644 index 0000000000000000000000000000000000000000..ad9e1017fbae2a797c90e9f43ba7a0f1b82589e2 --- /dev/null +++ b/chunks/txt/9bac9724b06c34923030a2b5f3e882244d782ce9b5f584d4fa4c210e9c750408.txt @@ -0,0 +1,30 @@ +UCD v2.0 Initiative Readiness Checklist for Direct Integrators + +The purpose of this checklist is to assist direct integrators (Software Partners, Technology Service +Providers (TSPs) and lenders with proprietary systems) to implement the Uniform Closing Dataset (UCD) +v2.0 Specification (UCD v2.0) and the Critical Edits for specification version, Phase 3B Postponed and +Phase 4. + +UCD v2.0 Implementation Overview + +The GSEs customer test environments are now available for UCD v2.0 testing. You may continue testing up +to the UCD v2.0 mandate date. UCD v2.0 functionality will be available for each GSE’s production UCD +collection solution starting on September 29, 2025. This officially kicks off the transition period from UCD +v1.5 to UCD v2.0. You must implement UCD v2.0 in your system(s) by the mandate date + +Direct Integrators should test their output files against GSE specific test cases before submitting the XML +files to the GSEs production environments. Contact your GSE representatives to indicate when you will be +ready to begin testing and to obtain the test cases and credentials. + +It is important for direct integrators to implement UCD v2.0 before the mandate date, to allow your +customers sufficient time to address data issues and resolve critical edits. + +BEFORE SUBMITTING UCD V2.0 TEST FILES TO THE GSES: + + Review the UCD v2.0 Specification Quick Start Guide to identify the most impactful XML file modifications. + + Review and analyze the UCD v2.0 Specification along with the UCD v2.0 Implementation Guide to + +understand the full scope and intent of changes. + + Review the UCD v2.0 Critical Edits Matrix for specification version, Phase 3B Postponed and Phase 4 diff --git a/chunks/txt/9badf541bb86c1fce89daeacbcccb3072b73e64646b60c19be87b8f500daed41.txt b/chunks/txt/9badf541bb86c1fce89daeacbcccb3072b73e64646b60c19be87b8f500daed41.txt new file mode 100644 index 0000000000000000000000000000000000000000..59cf1624e1d9b1ef63f83e5517f5fd8f657aee73 --- /dev/null +++ b/chunks/txt/9badf541bb86c1fce89daeacbcccb3072b73e64646b60c19be87b8f500daed41.txt @@ -0,0 +1,123 @@ +N/A + +Always required + +Number + +Outbuilding +• + +Units in Structure +12.003 + +Not on +Report + +This is an +appraiser +input that +does not +display in the +sales grid + +22.14.02 +22.14.16 + +Gross Building +Area + +If relevant + +Required when the +row is included in the +sales comparison grid + +Number of square +feet + +Outbuilding +• + +Gross Building +Area 12.006 + +22.14.03 +22.14.17 + +Finished Area + +If relevant + +Required when the +row is included in the +sales comparison grid + +Number of square +feet + +Outbuilding +• + +Outbuilding +Finished Area +Excluding Vehicle +Storage and ADU +12.011 + +No + +No + +No + +Units in Structure: The number of accessory dwelling units in the +outbuilding. +• +• + +If there are no ADUs in the Outbuilding, enter 0. +If there is an ADU in the outbuilding, provide the number of ADUs +(1 or more). Examples include: + +o + +o + +ADU/Garage: A detached garage with a living unit above +or attached by a common wall +Standalone ADU + +• + +• + +• + +• + +• + +• + +Gross Building Area for the outbuilding includes area for vehicle +storage, ADU(s), and any other uses. +Ensure that attributes are only adjusted for once. + +o +o + +ADU is accounted for in the Unit(s) subsection. +Vehicle storage is accounted for in the Vehicle Storage +subsection. + +Gross Building Area may be provided instead of Finished Area and / +or Unfinished Area, such as when the detailed area is not known +for all the comparables. +Indicate in Reconciliation of Sales Comparison Approach (22.16.01) +if area is estimated for the comparable. + +Include this row in the sales comparison grid when the specific +breakdown between finished and unfinished area for the +comparables is available and needed to support conclusions. +Indicate in Reconciliation of Sales Comparison Approach (22.16.01) +if area is estimated for the comparable. diff --git a/chunks/txt/9bbc262d89fb51c9bf602769fd81349e6696fed40b21d7915deeaa103a0d2ab1.txt b/chunks/txt/9bbc262d89fb51c9bf602769fd81349e6696fed40b21d7915deeaa103a0d2ab1.txt new file mode 100644 index 0000000000000000000000000000000000000000..26cfd7d5e373927ba14ceb2a70269fab1ab0fb7b --- /dev/null +++ b/chunks/txt/9bbc262d89fb51c9bf602769fd81349e6696fed40b21d7915deeaa103a0d2ab1.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/data" +date_accessed: "2026-01-27T17:54:20.535Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/9bc7ce9e5320c39a6806eb8ce4c9801b10670b3b295e5055d97bf3211a08acdb.txt b/chunks/txt/9bc7ce9e5320c39a6806eb8ce4c9801b10670b3b295e5055d97bf3211a08acdb.txt new file mode 100644 index 0000000000000000000000000000000000000000..a0b0ac059f35282f9a27677d1bec779e0718a28e --- /dev/null +++ b/chunks/txt/9bc7ce9e5320c39a6806eb8ce4c9801b10670b3b295e5055d97bf3211a08acdb.txt @@ -0,0 +1,44 @@ +• Reconciliation of Sales Comparison Approach (Always displays) + +• Sales Comparison Map (Always displays) + +• Additional Properties Analyzed Not Used (If relevant) + +• Sales Comparison Approach Exhibits (Always displays) + +Reference “Supplement – Approaches to Value Grids” spreadsheet for more information. + +Subject Property Information in the Sales Comparison Approach + +All information previously entered for the subject property populates from the appropriate section to the sales comparison grid. There is +other information (“Sales Grid Only”) that only displays in the sales comparison grid. The “Subject FID in Source Section” column of the + +Appendix B-1: URAR Implementation Guide v1.3 + +“Supplement – Approaches to Value Grids” spreadsheet (“Sales Comp Grid” tab) shows the original location of the information or indicates +“Sales Grid Only”. + +Page 277 + +Fields That Are Not Applicable + +If a specific field in the sales grid is not applicable for the subject or a given comparable, the cell is either grayed out or displays a dash. + +Grayed-Out Cells + +Information that is never applicable for the subject property or comparables is grayed out in the sales comparison grid. These are +documented in Appendix E: Style Guide. + +Example: + +Proximity to Subject, Same Builder as Subject, and Sale Price are not applicable for the subject property and are always grayed out. (Figure 22 +- 1) + +Figure 22 - 1 + +Appendix B-1: URAR Implementation Guide v1.3 + +Cells Displaying a Dash + +Information that is not applicable for the subject or comparable(s) displays an em-dash (—) in the sales comparison approach field. These are +documented in “Supplement – Approaches to Value Grids” spreadsheet. diff --git a/chunks/txt/9bce42bf2efed5e7f78a8f6f81c453dad63f4ff8ea297104b73eef60666f80cc.txt b/chunks/txt/9bce42bf2efed5e7f78a8f6f81c453dad63f4ff8ea297104b73eef60666f80cc.txt new file mode 100644 index 0000000000000000000000000000000000000000..a66aa8d4cfba855264ff4345dd0241e392f265ab --- /dev/null +++ b/chunks/txt/9bce42bf2efed5e7f78a8f6f81c453dad63f4ff8ea297104b73eef60666f80cc.txt @@ -0,0 +1,13 @@ +Aggregators can determine if they want to submit the UCD file to Fannie Mae for *their* correspondent lenders or request their correspondents to submit to Fannie Mae on their behalf. If the correspondent uploads the UCD file, we expect that the aggregator will want to receive the UCD Findings Report to ensure a successful upload and the correct Casefile ID for that loan. + +Aggregators can instruct their correspondent lenders to upload the UCD file and then transfer the UCD file to the aggregator. Once the file is transferred, the aggregators will then be able to use the UCD collection solution to retrieve the transferred UCD data including the UCD Findings Report, PDF of the Closing Disclosure (if embedded), and the UCD XML file. + +**Q40. What functionality is available to assist correspondents – such as community banks and credit unions – whose banking systems are not able to produce a UCD dataset?** + +Sellers can work with their correspondents to determine the best way to create and deliver the UCD file. + +The UCD collection solution allows data entry of the UCD data from the Borrower Closing Disclosure. Once the data entry is complete, lenders can upload the Closing Disclosure PDF and submit the UCD file. Upon submission, a UCD Findings Report will be generated. + +Some technology solution providers may be able to provide direct integration capability with Fannie Mae that may assist with creating and delivering the UCD file. + +**Q41. If the UCD file has data changes (i.e. amendments to the Closing Disclosure) after an aggregator purchases a loan from a correspondent, can the aggregator resubmit the UCD? If so, are there special data requirements that must be met (such as identifying it as a previous submission from the correspondent)?** diff --git a/chunks/txt/9be3ad5df58b65baa6e9d67b6a9b69c1fbc1f52f1e6b72be3a6e1f2ed18a6d34.txt b/chunks/txt/9be3ad5df58b65baa6e9d67b6a9b69c1fbc1f52f1e6b72be3a6e1f2ed18a6d34.txt new file mode 100644 index 0000000000000000000000000000000000000000..efe70150b0674288b14029c7cf2ba0ac23b5d27d --- /dev/null +++ b/chunks/txt/9be3ad5df58b65baa6e9d67b6a9b69c1fbc1f52f1e6b72be3a6e1f2ed18a6d34.txt @@ -0,0 +1,77 @@ +“Outbuilding” sets as TAB, followed by “[Outbuilding Type]” (brackets do not set, they indicate a placeholder). + +Appendix E: Report Style Guide + +Page 49 of 90 + +Version 1.4 + +Left-hand side of page + +• + +“Considered Real Property,” “Units in Structure,” “Attached to Permanent Foundation,” +“Structure Volume,” “Gross Building Area” set as TXR-B, TXR. + +• The following statement sets as TXC-I1 x 22 picas: “Gross Building Area for the outbuilding + +includes area for vehicle storage, ADU(s), and any other uses”. + +Right-hand side of page + +• Photo of Outbuilding displays in right column, no caption + +Detail (H1) + +Left-hand side of page + +• + +• + +“Heating” and “Cooling” set as CK1 with Yes/No (Y/N). + +“Utilities” sets as TXR-B, TXR. + +Right-hand side of page + +• + +Introductory text: “The table below depicts the area of the outbuilding, excluding vehicle +storage and any ADU(s)” sets as TXC-I1. + +Outbuilding Area table + +• Column heads: “Finish,” “Total Area,” “Room Summary,” set as TCH in 3 equal column table x + +22 picas. + +OUTBUILDING AREA TABLE + +• + +“Finish” column, set TB “Finished”, “Unfinished”. + +• Content sets as TB. + +• Columns 1–3 equal width: ~28 characters max per line, in each cell. + +Mechanical System Details (H1) + +Left-hand side of page - Mechanical Systems table + +• Column heads: Column 1 – none; “System,” “Detail,” set as TCH in 3 column table x 22 picas. + +• Column 1: + +5 picas wide (~20 characters max) + +• Column 2: + +6 picas 7 points wide (~24 characters max) + +• Column 3: + +10 picas 5 points wide (~42 characters max) + +• Content sets as TB; Row 1, Column 1 “Heating”, Row 2, Column 1 “Cooling”. diff --git a/chunks/txt/9bf1ec133032b6848dbf3e11b80e23b4f1d9a1068bdd4993a765db8a2165db39.txt b/chunks/txt/9bf1ec133032b6848dbf3e11b80e23b4f1d9a1068bdd4993a765db8a2165db39.txt new file mode 100644 index 0000000000000000000000000000000000000000..8bae10686df98afb9cd995897271fb52bf40d97e --- /dev/null +++ b/chunks/txt/9bf1ec133032b6848dbf3e11b80e23b4f1d9a1068bdd4993a765db8a2165db39.txt @@ -0,0 +1,255 @@ +23454 Sue Rd +Anytown, IL 54321 + +2 + +3 + +2 | 1 + +2 + +5 + +$(15,000) + +2 + +2 + +$7,500 + +3 | 1 + +$(10,000) + +2 | 2 + +$(3,500) + +2 + +3 + +2 | 1 + +1,552 Sq. Ft. + +1,232 Sq. Ft. + +320 Sq. Ft. + +1,600 Sq. Ft. + +1,300 Sq. Ft. + +300 Sq. Ft. + +$0 + +$0 + +$0 + +1,350 Sq. Ft. + +$25,250 + +1,650 Sq. Ft. + +$(12,250) + +1,200 Sq. Ft. + +$0 + +1,350 Sq. Ft. + +150 Sq. Ft. + +$3,400 + +300 Sq. Ft. + +$0 + +$0 + +Quality and Condition (Ratings: 1-6, 1 is highest) + +Exterior Quality and Condition + +Quality + +Exterior Walls and Trim + +Foundation + +Roof + +Condition + +Interior Quality and Condition + +Quality + +Kitchen + +Q3 + +Cement Board + +Basement + +Composition + +C1 + +Q3 + +Q3 + +Cement Board + +Basement + +Composition + +C2 + +Q3 + +Q4 + +Vinyl + +Basement + +Composition + +C1 + +Q4 + +Q3 + +Cement Board + +Basement + +Composition + +C1 + +Q3 + +Commercial Grade +Appliances + +Commercial Grade +Appliances + +Stock Grade Appliances + +Commercial Grade +Appliances + +Overall Bathrooms + +Mixture of Tile and Granite + +Mixture of Tile and Granite + +Mid-Grade Finishes + +Mixture of Tile and Granite + +Overall Flooring + +Nylon Short Loop and +Engineered Wood + +Nylon Short Loop and +Engineered Wood + +Walls and Ceiling + +9 Ft. and 10 Ft. | Custom + +9 Ft. | Custom + +Condition + +C1 + +C2 + +Stock Flooring + +8 Ft. | Stock + +C1 + +Nylon Short Loop and +Engineered Wood + +9 Ft. | Custom + +C1 + +Overall Quality and Condition (Ratings: 1-6, 1 is highest) + +Q3 + +C1 + +Q3 + +C2 + +$12,500 + +$12,500 + +Q4 + +C1 + +Q3 + +C1 + +Quality + +Condition + +Property Amenities + +Outdoor Living + +Whole Home + +Indoor Fireplace - 2 + +Patio | Porch + +$(2,000) + +Deck | Patio +| Porch + +Indoor +Fireplace - 2 + +Deck | Patio +| Porch + +Indoor +Fireplace - 2 + +$(2,000) + +Patio | Porch + +Indoor +Fireplace - 2 diff --git a/chunks/txt/9bf6127dd4cfc2939dc1eb19fcb0c37c82610eb458eb2e07003e7826668c91ac.txt b/chunks/txt/9bf6127dd4cfc2939dc1eb19fcb0c37c82610eb458eb2e07003e7826668c91ac.txt new file mode 100644 index 0000000000000000000000000000000000000000..4d7ae050a766a0d2765bb44bb818d98143591540 --- /dev/null +++ b/chunks/txt/9bf6127dd4cfc2939dc1eb19fcb0c37c82610eb458eb2e07003e7826668c91ac.txt @@ -0,0 +1,11 @@ +## Footer + +- [Accessibility](/about/fhfa-policies/accessibility) + - [Budget, Finances, and Performance​](/about/budget-finances-and-performance) + - [FOIA](/about/foia-privacy) + - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Office of the Inspector General](https://www.fhfaoig.gov/) + - [Privacy Policy](/about/fhfa-policies/website-privacy-policy) + - [USA.gov](https://www.usa.gov/) + +{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"data\/dashboard\/enterprise-single-family-public-use-database","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"ajaxTrustedUrl":{"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })(); diff --git a/chunks/txt/9bf637ed7c34f7e393675a0dad095d4cfc92be64e64c0e43b52956b33429a2db.txt b/chunks/txt/9bf637ed7c34f7e393675a0dad095d4cfc92be64e64c0e43b52956b33429a2db.txt new file mode 100644 index 0000000000000000000000000000000000000000..d4848e188fc602537e00d77e897e1821872e0b83 --- /dev/null +++ b/chunks/txt/9bf637ed7c34f7e393675a0dad095d4cfc92be64e64c0e43b52956b33429a2db.txt @@ -0,0 +1,124 @@ +Page 18 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +Overview + +Section +# + +Section Name +(Black Tab) + +Photo or Image +(Predefined Caption or +Gray Bar) + +Is there an Additional +Caption +(Free-form Text)? + +Is the Photo or Image +Required? + +Additional Guidance + +4 + +Site +(Continued) + +Site Influence + +Permanent Waterfront +Feature + +Water Frontage + +View + +Encroachment + +Site Characteristic + +Map of Land +Comparables +Apparent Defects, +Damages, Deficiencies – +Feature +Example: Downed Tree + +Property Boundaries + +Required, including the site +influence type and any other +descriptive information as +appropriate +Required, including the +waterfront feature type(s) +and any other descriptive +information as appropriate +Required, including the water +frontage type(s) and any +other descriptive information +as appropriate +Required, including the view +type and any other +descriptive information as +appropriate +Required, including the +encroachment type and any +other descriptive information +as appropriate +Required, including the site +characteristic type and any +other descriptive information +as appropriate +May be provided to further +identify the image + +May be provided to further +identify the photo or image + +May be provided to further +identify the photo or image + +See 4.025 + +See 4.032 + +If there is water frontage +with private access. + +See 4.034 + +Photos are required of all +views that impact value +or marketability. + +See 4.039 + +Required if a physical +defect, damage, or +deficiency + +Site Exhibits + +Required for each photo or +image + +5 + +6 + +Disaster +Mitigation +Energy +Efficient and +Green +Features + +Disaster Mitigation +Exhibits diff --git a/chunks/txt/9c063c0f14434add2ba5762292bc645575a49d9a23d4d5f4606eea860ca44799.txt b/chunks/txt/9c063c0f14434add2ba5762292bc645575a49d9a23d4d5f4606eea860ca44799.txt new file mode 100644 index 0000000000000000000000000000000000000000..1684b22e395efd0059dfd29b52012b758143d1af --- /dev/null +++ b/chunks/txt/9c063c0f14434add2ba5762292bc645575a49d9a23d4d5f4606eea860ca44799.txt @@ -0,0 +1,31 @@ +Freddie Mac Form 466 March 2005 226 + +Page 4 of 6 + +Fannie Mae Form 1075 March 2005 + +2 + +Exterior-Only Inspection Individual Condominium Unit Appraisal Report File # 3 4 4a + +APPRAISER’S CERTIFICATION: The Appraiser certifies and agrees that: + +1. I have, at a minimum, developed and reported this appraisal in accordance with the scope of work requirements stated in +this appraisal report. + +2. I have performed a visual inspection of the exterior areas of the subject property from at least the street. I have reported +the condition of the improvements in factual, specific terms. I have identified and reported the physical deficiencies that could +affect the livability, soundness, or structural integrity of the property. + +3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal Practice +that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in place at +the time this appraisal report was prepared. + +4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales +comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach for +this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop +them, unless otherwise indicated in this report. + +5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for +sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject +property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report. diff --git a/chunks/txt/9c20095e48898f0b408ab6c7d4a45129d98bf02b25b570c3fb2358431e2a69ad.txt b/chunks/txt/9c20095e48898f0b408ab6c7d4a45129d98bf02b25b570c3fb2358431e2a69ad.txt new file mode 100644 index 0000000000000000000000000000000000000000..5d71dd74d3fa3932fbeef56ebd576aacc413b1ae --- /dev/null +++ b/chunks/txt/9c20095e48898f0b408ab6c7d4a45129d98bf02b25b570c3fb2358431e2a69ad.txt @@ -0,0 +1,106 @@ +UNIT +DESCRIPTION + +Car Storage +None + +Car Storage Exists +Indicator + +Indicates if there is any car storage +available for a residence such as a garage, +carport or driveway. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE/@_E +xistsIndicator + +275 + +2 + +73 + +UNIT +DESCRIPTION + +Car Storage +Garage + +Car Storage +Location Type + +Specifies the location and type of the Car +Storage Location. + +/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE/CAR +_STORAGE_LOCATION[@_Type='Garage']/@_ExistsIndicator + +12 + +1 + +20 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +1 + +String + +UAD Instruction - Refer to Appendix D Improvements Section +This field should contain a description of the porch. If no porch indicate 'None'. + +Boolean + +A value of 'Y' indicates an other amenity exists, a value of 'N' indicates the box is not +checked. + +This field should have a value of 'Y' if +the value indicated in field 2-65 +(Amenity Type Other Description) is +not equal to 'None'. + +String + +Boolean + +Boolean + +Boolean + +Boolean + +Boolean + +Boolean + +UAD Instruction - Refer to Appendix D Improvements Section +This field should contain a description of the other amenities. If there are no other +amenities indicate 'None'. + +A value of 'Y' indicates there is a refrigerator. A value of 'N' indicates the box was not +checked. + +A value of 'Y' indicates there is a range/oven. A value of 'N' indicates the box was not +checked. + +A value of 'Y' indicates there is a disposal. A value of 'N' indicates the box was not +checked. + +A value of 'Y' indicates there is a microwave. A value of 'N' indicates the box was not +checked. + +A value of 'Y' indicates there is a dishwasher. A value of 'N' indicates the box was not +checked. diff --git a/chunks/txt/9c3c9da25476ef4b9ba58b71f24be2f66d92832dbe09babf9b433c16780fe19a.txt b/chunks/txt/9c3c9da25476ef4b9ba58b71f24be2f66d92832dbe09babf9b433c16780fe19a.txt new file mode 100644 index 0000000000000000000000000000000000000000..2fc35cb49438213b72770f33122822692fd8ce46 --- /dev/null +++ b/chunks/txt/9c3c9da25476ef4b9ba58b71f24be2f66d92832dbe09babf9b433c16780fe19a.txt @@ -0,0 +1,48 @@ +- LinkedIn © 2026 + - [About](https://about.linkedin.com?trk=d_org_guest_company_overview_footer-about) + - [Accessibility](https://www.linkedin.com/accessibility?trk=d_org_guest_company_overview_footer-accessibility) + - [User Agreement](https://www.linkedin.com/legal/user-agreement?trk=d_org_guest_company_overview_footer-user-agreement) + - [Privacy Policy](https://www.linkedin.com/legal/privacy-policy?trk=d_org_guest_company_overview_footer-privacy-policy) + - [Your California Privacy Choices](https://www.linkedin.com/legal/california-privacy-disclosure?trk=d_org_guest_company_overview_footer-california-privacy-rights-act) + - [Cookie Policy](https://www.linkedin.com/legal/cookie-policy?trk=d_org_guest_company_overview_footer-cookie-policy) + - [Copyright Policy](https://www.linkedin.com/legal/copyright-policy?trk=d_org_guest_company_overview_footer-copyright-policy) + - [Brand Policy](https://brand.linkedin.com/policies?trk=d_org_guest_company_overview_footer-brand-policy) + - [Guest Controls](https://www.linkedin.com/psettings/guest-controls?trk=d_org_guest_company_overview_footer-guest-controls) + - [Community Guidelines](https://www.linkedin.com/legal/professional-community-policies?trk=d_org_guest_company_overview_footer-community-guide) + - - العربية (Arabic) + - বাংলা (Bangla) + - Čeština (Czech) + - Dansk (Danish) + - Deutsch (German) + - Ελληνικά (Greek) + - **English (English)** + - Español (Spanish) + - فارسی (Persian) + - Suomi (Finnish) + - Français (French) + - हिंदी (Hindi) + - Magyar (Hungarian) + - Bahasa Indonesia (Indonesian) + - Italiano (Italian) + - עברית (Hebrew) + - 日本語 (Japanese) + - 한국어 (Korean) + - मराठी (Marathi) + - Bahasa Malaysia (Malay) + - Nederlands (Dutch) + - Norsk (Norwegian) + - ਪੰਜਾਬੀ (Punjabi) + - Polski (Polish) + - Português (Portuguese) + - Română (Romanian) + - Русский (Russian) + - Svenska (Swedish) + - తెలుగు (Telugu) + - ภาษาไทย (Thai) + - Tagalog (Tagalog) + - Türkçe (Turkish) + - Українська (Ukrainian) + - Tiếng Việt (Vietnamese) + - 简体中文 (Chinese (Simplified)) + - 正體中文 (Chinese (Traditional)) + Language diff --git a/chunks/txt/9c47306a6367829289c9d22248e95dce11fbb7035809ddc6235a547e1f320436.txt b/chunks/txt/9c47306a6367829289c9d22248e95dce11fbb7035809ddc6235a547e1f320436.txt new file mode 100644 index 0000000000000000000000000000000000000000..74676d3d26b7632c31e5e30ee68b3fd10ea5fcd6 --- /dev/null +++ b/chunks/txt/9c47306a6367829289c9d22248e95dce11fbb7035809ddc6235a547e1f320436.txt @@ -0,0 +1,54 @@ +▪ Data points in this structure are identified as a GSE extension with the prefix “gse:”. + +▪ See “Section III.A. File Setup” for instructions on how to enable the receiving system + +to recognize gse: data points. + +LIABILITY_HOLDER/NAME + +Holds the name data for the liability creditor. + +999.040 + +PAYOFF + +Holds the amount of the liability that has been paid off. + +N O T E : Two instances of LIABILITY that documented how to provide data supporting the Summaries of Transactions +SELLER’S TRANSACTION have been removed from UCD v2.0 because this data is not required. + +1. LIABILITY PAID OFF AS PART OF TRANSACTION + +When the borrower pays off outstanding debt as part of the closing transaction, the satisfaction of the liability(ies) is + +disclosed. Liabilities to be paid off can include: + +a. Payoffs of existing liens secured by the property (mortgages, deeds of trust, judgments, mechanics’ and + +materialman’s liens, and local, State and Federal tax liens). + +b. Payments of unsecured outstanding borrower debts. + +c. Payments to other third parties for outstanding borrower debts (but not for settlement services) as required to be + +paid as a condition for the extension of credit. + +The UCD v2.0 Spec “Field ID” column and the following figure indicate that each liability line item data in the XML file can +be rendered in one of two separate locations—either on the Model form (for a purchase or refinance) or the Alternate form +(refinance only). + +UCD v2.0 Implementation Guide + +- 26 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Model Form + +Alternate Form + +Figure 19. Rendering Liability Data on the CD. diff --git a/chunks/txt/9c4df573e30eca84bd5a2383d10dd430602d2e11314794d0772f8f93fc553559.txt b/chunks/txt/9c4df573e30eca84bd5a2383d10dd430602d2e11314794d0772f8f93fc553559.txt new file mode 100644 index 0000000000000000000000000000000000000000..f22616ac5c1505d9472fa6de49b7ffce9b1886ae --- /dev/null +++ b/chunks/txt/9c4df573e30eca84bd5a2383d10dd430602d2e11314794d0772f8f93fc553559.txt @@ -0,0 +1,3 @@ +Supervisory Appraiser .................................................................................................................................................................................................. 55 + +SIGNATORY to ROLE .................................................................................................................................................................................................................. 56 diff --git a/chunks/txt/9c51bbe01c1950072c3417f0cb745775d9de7d6018c01507bca4aaf3f5cd0198.txt b/chunks/txt/9c51bbe01c1950072c3417f0cb745775d9de7d6018c01507bca4aaf3f5cd0198.txt new file mode 100644 index 0000000000000000000000000000000000000000..9ad6ff3761a357d5f35ba630609de36818f975e9 --- /dev/null +++ b/chunks/txt/9c51bbe01c1950072c3417f0cb745775d9de7d6018c01507bca4aaf3f5cd0198.txt @@ -0,0 +1,35 @@ +--- +source_url: "https://www.fhfa.gov/data/dashboard" +date_accessed: "2026-01-27T17:54:20.540Z" +--- + +> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png) + +An official website of the United States government + +Here's how you know + +Here's how you know + +![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov** + A **.gov** website belongs to an official government organization in the United States. + +![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS** + A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites. + +*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)* + +![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA + +- [Mission & Core Values](/about) + - [Leadership](/about/leadership/william-j-pulte) + - [Conservatorship](/conservatorship) + - [FHFA Policies](/about/fhfa-policies) + - [Budget, Finances, and Performance](/about/budget-finances-and-performance) + - [FOIA & Privacy](/about/foia-privacy) + - [Information Quality](/about/information-quality) + - [Do Business with Us](/about/do-business-with-us) + - [Ombudsman](/about/ombudsman) + - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) + - [Careers](/about/careers) + - [Contact Us](/contact) diff --git a/chunks/txt/9c5541f72db765050f537dd2ea51ee733fe3c2c797416b2f1484b22d5cc44fa1.txt b/chunks/txt/9c5541f72db765050f537dd2ea51ee733fe3c2c797416b2f1484b22d5cc44fa1.txt new file mode 100644 index 0000000000000000000000000000000000000000..c13f84875d5a96025e299aeb767a3dc980325f61 --- /dev/null +++ b/chunks/txt/9c5541f72db765050f537dd2ea51ee733fe3c2c797416b2f1484b22d5cc44fa1.txt @@ -0,0 +1,97 @@ +CR + +CR + +CR + +396 + +3 + +e-29 + +SALES +COMPARISON +APPROACH + +Date of Sale/Time + +GSE Listing Status +Type + +Indicates the status for the comparable +listing or sale presented. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON +_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@ +ExtensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM +PARISON_DETAIL/@GSEListingStatusType + +11 + +Enumerated + +Allowable Values PDF Allowable Values +Active Active +Expired e +Withdrawn w +Contract c +SettledSale s + +397 + +3 + +e-30 + +SALES +COMPARISON +APPROACH + +Date of Sale/Time + +GSE Short Date +Description + +The MMYY of the associated comparable +status. + +398 + +3 + +e-31 + +SALES +COMPARISON +APPROACH + +Date of Sale/Time + +GSE Contract Date +Unknown Indicator + +Indicates if the contract date is +unavailable for a comparable settled sale. + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON +_DATE_EXTENSION/COMPARISON_DATE_EXTENSION_SECTION[@Ext +ensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DATE_EXTENSION_SECTION_DATA/OFFERI +NG_DISPOSITION/@GSEShortDateDescription + +/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO +N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON +_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@ +ExtensionSectionOrganizationName='UNIFORM APPRAISAL +DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM +PARISON_DETAIL/@GSEContractDateUnknownIndicator + +5 + +3 + +Refer to Appendix E for PDF Rendering and Parsing Instructions. diff --git a/chunks/txt/9c592607c23e012f0f9b90eb2a5f632e00e5e9423e30fc85d112fe204bf45f94.txt b/chunks/txt/9c592607c23e012f0f9b90eb2a5f632e00e5e9423e30fc85d112fe204bf45f94.txt new file mode 100644 index 0000000000000000000000000000000000000000..a146c7e7346cd2597fe4e1e500aa36d7a1e9ba58 --- /dev/null +++ b/chunks/txt/9c592607c23e012f0f9b90eb2a5f632e00e5e9423e30fc85d112fe204bf45f94.txt @@ -0,0 +1,264 @@ +Fee Simple + +No + +MLS 87598763 | +Assessor Record + +6.32 Miles NE + +$510,000 + +Settled Sale + +$499,900 + +MLS 65478326 | +Assessor Record + +9.09 Miles SE + +$345,000 + +Settled Sale + +$345,000 + +Short Sale + +$35,000 + +Typically +Motivated + +No + +06/05/2019 + +07/04/2019 + +29 + +Detached + +Fee Simple + +No + +$0 + +$0 + +$0 + +No + +$0 + +03/30/2018 + +$5,000 + +05/10/2019 + +$0 + +406 + +Detached + +Fee Simple + +No + +Mineral Rights + +Mineral Rights + +Mineral Rights + +Mineral Rights + +No + +No + +No + +Street Type | Surface + +Rural Road | Gravel + +5 Acres + +Magic Hill + +No Hazard Zone Noted + +4.93 Acres + +Magic Hill + +No Hazard +Zone Noted + +Rural Road +| Gravel + +Lake | Overhead Electric +Power Transmission Line + +Lake | Park + +$(5,000) + +Landfill + +Landfill + +$0 + +5 Acres + +$(25,000) + +1 Acre + +$30,000 + +Diagonal Alley + +$(5,000) + +Magic Hill + +No Hazard +Zone Noted + +Cul-de-Sac | +Concrete + +Canal | Gated +Community + +Underground +Storage Tank + +$0 + +FEMA Special +Flood Hazard +Area + +Rural Road +| Gravel + +$(10,000) + +$(10,000) + +Park | River + +$(5,000) + +$0 + +Radon + +$0 + +Lake | Full +High Voltage Power Lines | +Seasonal +Woods | Partial + +Woods | Full + +$(3,000) + +Valley | Full + +$(3,000) + +Woods | Full + +$(3,000) + +Water Frontage with Private Access + +$(5,000) + +$15,000 + +$30,000 + +Water Frontage + +Permanent Waterfront +Feature + +Right to Build + +Total Linear Measurement + +Dwelling(s) + +Year Built + +Lake | Lake Virginia +| Shallow Water + +Dock | Pier + +— + +40 Ft. + +Lake | Lake Virginia +| Shallow Water + +Canal | Deep Water + +None + +Yes + +40 Ft. + +Dock | Pier + +— + +10 Ft. + +— + +— + +— + +— + +2019 + +1989 + +$10,000 + +2001 + +$0 + +1981 + +$10,000 + +Construction Method + +Manufactured Home Width + +Manufactured + +Manufactured + +Manufactured diff --git a/chunks/txt/9c59830796cfb234f1874bf4580b3b6ef67140a9ee3851dfc025f8fff45ce390.txt b/chunks/txt/9c59830796cfb234f1874bf4580b3b6ef67140a9ee3851dfc025f8fff45ce390.txt new file mode 100644 index 0000000000000000000000000000000000000000..77ddec653e9b714c20f79513f8c4033ad8bcff9f --- /dev/null +++ b/chunks/txt/9c59830796cfb234f1874bf4580b3b6ef67140a9ee3851dfc025f8fff45ce390.txt @@ -0,0 +1,48 @@ +Commentary and Free-form Comments + +Section commentary must be entered in the applicable section: +• Appraisal Update Commentary (03.003) +• Assignment Information and Scope of Work Commentary (04.047) + +In addition, there are tables that include space for comments or descriptions. Concise comments should be +entered in the applicable section as opposed to typing in “see below.” + +Photos and Images + +With the exception of the following, all photos and images display in Appraisal Update Exhibits. +• A photo displays at the top of the Subject Property section. +• + +Legal Description image, if applicable, displays in the Legal Description subsection of the Subject Property +section (01.004). + +Identifying and Describing Photos and Images + +The appraiser must identify each photo or image from the list in the table below. +• For most photos or images, there is a predefined caption or gray bar that automatically displays. +• Depending on the photo or image, + +o An additional caption must be provided, or +o An additional caption may be provided to further identify the photo or image, or +o There is no additional caption. + +• The table below indicates when photos are required per the Reference Guide. + +o Example: A photo (“Property Photo”) must be displayed at the top of the Subject Property section. +o Reference published guidelines by the GSEs, government agencies, or other identified secondary + +market participants for specific guidance as to when a photo or image is required. + +Appendix F-2: Appraisal Update Report Reference Guide + +Page 6 of 28 + +Version 1.3 + +Uniform Appraisal Dataset + +Overview + +Notes: +• The same photo can be identified and displayed in more than one section. +• Reference the iGuide and UAD Spec for details about how photos are handled in the UAD dataset. diff --git a/chunks/txt/9c798fac54b3e2eed587a957f3aa30f10589ddcf8187ec9bec52bcbb7f8888ed.txt b/chunks/txt/9c798fac54b3e2eed587a957f3aa30f10589ddcf8187ec9bec52bcbb7f8888ed.txt new file mode 100644 index 0000000000000000000000000000000000000000..85f1eda254fab2be8250b0865a83cfeaf3a81966 --- /dev/null +++ b/chunks/txt/9c798fac54b3e2eed587a957f3aa30f10589ddcf8187ec9bec52bcbb7f8888ed.txt @@ -0,0 +1,53 @@ +Property Valuation +Method + +A value that specifies the method by which the property value was assessed +(e.g., Desktop Appraisal; Exterior Appraisal; Hybrid Appraisal; Traditional +Appraisal). + +Units Excluding ADUs + +The number of separate living units in the subject property, excluding any +accessory dwelling units. + +Accessory Dwelling +Units (FRE) / Number of +ADUs (FNM) + +The total number of accessory dwelling units in the subject property (e.g., in- +law quarters, apartment over a garage, etc). + +Appears on +[FNM, FRE, Both] * +Both + +Both + +Both + +Project Legal Structure A value that specifies the form of ownership of a project. The Project Legal + +Both + +Structure Type defines the quality and quantity of project ownership and +rights accruing to the individual unit owner (e.g., Condominium; Condop; +Cooperative). + +Construction Method + +A value that represents the manner in which the structure was constructed +(e.g., Container; Manufactured; Modular; On Frame Modular; Other; +SiteBuilt; Three-Dimensional Printing Technology). + +Both + +*Fannie Mae (FNM); Freddie Mac (FRE) + +Tip: For additional information on mapping legacy forms to the URAR property type characteristics, download the +“Functioning without Form Numbers” resource guide by visiting either GSE’s UAD webpage: Uniform Appraisal Dataset | +Fannie Mae or the Uniform Appraisal Dataset | Freddie Mac. + +© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners. + +This communication relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of the Federal +Housing Finance Agency. diff --git a/chunks/txt/9c79ba57a3e39991b31f48d3f424b286192533a7b1e1a36afa736e80a40c9f47.txt b/chunks/txt/9c79ba57a3e39991b31f48d3f424b286192533a7b1e1a36afa736e80a40c9f47.txt new file mode 100644 index 0000000000000000000000000000000000000000..2eaf1575b61f6ca146e06e90cbd7e7056226039d --- /dev/null +++ b/chunks/txt/9c79ba57a3e39991b31f48d3f424b286192533a7b1e1a36afa736e80a40c9f47.txt @@ -0,0 +1,90 @@ +The space or land within the project that is adjacent to or facing a body of water. +Note: Choose this answer if the water frontage is commonly available for use by all owners and guests to the project. If the +water frontage is intended for the exclusive use of the subject unit, reference the Site section. + +Other (Describe) + +Select Other to enter an answer that is not in the above list. + +Observed Deficiencies + +Project Information: Observed Deficiencies + +Report +Field ID + +Report Label + +When to Include + +18.014 Observed + +Deficiencies + +Required if the +property is in a +condominium, +cooperative, or +condop + +Allowable +Answers / Format + +Yes | No + +Definition / Additional Guidance + +The appraiser must observe the overall project. +• + +Indicate Yes if there are deficiencies, deferred maintenance, and / or +critical repairs that impact the value and / or marketability of the subject +property. + +Note: If a physical deficiency, a photo must be provided, that displays in Project +Information Exhibits with the caption “Observed Deficiency”. An additional +caption must be provided that includes the specific deficiency, location, and +any other descriptive information as appropriate. + +18.015 Description of + +Deficiencies + +Required if Observed +Deficiencies is Yes + +Free-form + +Provides details and description of observed project deficiencies. + +Appendix F-1: URAR Reference Guide + +Page 187 of 375 + +Version 1.3 + +Uniform Appraisal Dataset + +18 Project Information + +Project Completeness + +Report +Field ID + +Report Label + +When to Include + +18.016 Are units, + +common areas, +and amenities in +project +complete? + +18.017 + +Subject Property +Building +Complete diff --git a/chunks/txt/9c8d024b19176650639760ea8d05b257910cef7b4acf1400139b61bd405076f3.txt b/chunks/txt/9c8d024b19176650639760ea8d05b257910cef7b4acf1400139b61bd405076f3.txt new file mode 100644 index 0000000000000000000000000000000000000000..b93cd37e21364877809b5376f29ebf5f7a19379e --- /dev/null +++ b/chunks/txt/9c8d024b19176650639760ea8d05b257910cef7b4acf1400139b61bd405076f3.txt @@ -0,0 +1,19 @@ +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. + +[**Appendix E: Report Style Guide**](/media/document/zip/appendix-e-report-style-guide) + +This zip file contains the Report Syle 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. + +[**Appendix F-1: URAR Reference Guide**](/media/document/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. + +[**Appendix G-1: Redesign to Legacy UAD Cross Reference Guide**](/media/document/xlsx/appendix-g-1-redesign-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. + +[**Appendix H-1: UAD Compliance Rules-URAR**](/media/document/xlsx/appendix-h1-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. + +[**Appendix A-2: Restricted Appraisal Update Report Delivery Specification**](/media/document/xlsx/appendix-2-restricted-appraisal-update-report-delivery-specification) diff --git a/chunks/txt/9c8f8f1f9f14725730e26e4968fb5bdd805ebe75f4e491f3ce598fe244ee6a00.txt b/chunks/txt/9c8f8f1f9f14725730e26e4968fb5bdd805ebe75f4e491f3ce598fe244ee6a00.txt new file mode 100644 index 0000000000000000000000000000000000000000..32bf0a4dd9a760fd580a144e02281565bc1e3744 --- /dev/null +++ b/chunks/txt/9c8f8f1f9f14725730e26e4968fb5bdd805ebe75f4e491f3ce598fe244ee6a00.txt @@ -0,0 +1,5 @@ +Subject Property Information in the Sales Comparison Approach ........................................................................................................................................... 276 + +Fields That Are Not Applicable ................................................................................................................................................................................................. 277 + +Additional Rows........................................................................................................................................................................................................................ 278 diff --git a/chunks/txt/9c9180ea9b55a1ed50fb068544ec95995135002fb92632806d38a6c215c10cff.txt b/chunks/txt/9c9180ea9b55a1ed50fb068544ec95995135002fb92632806d38a6c215c10cff.txt new file mode 100644 index 0000000000000000000000000000000000000000..b920c13e55667b416d14f743057c14648b23a6df --- /dev/null +++ b/chunks/txt/9c9180ea9b55a1ed50fb068544ec95995135002fb92632806d38a6c215c10cff.txt @@ -0,0 +1,15 @@ +Yes. To promote robust competition and provide further flexibility for consumers and lenders, the Enterprises will allow lenders to determine which credit score model to use on each loan they deliver. FHFA and the Enterprises will implement appropriate risk mitigants to ensure ongoing safety and soundness. + +### **Will this result in changes to credit reporting requirements?** + +Not initially. The inclusion of VantageScore 4.0 credit scores will not change the Enterprises’ current credit reporting requirements (e.g., tri-merge/bi-merge credit reporting). By keeping these requirements as they exist today to the greatest extent possible, FHFA is seeking to minimize the cost and complexity of this transition. + +### **What resources are available to assist in this transition?** + +In July 2024, the Enterprises released historical VantageScore 4.0 credit scores associated with a decade’s worth of loan acquisitions – spanning tens of millions of loans. This information has allowed stakeholders to better understand the score distribution and performance of the VantageScore 4.0 model. The historical VantageScore 4.0 credit scores can be accessed [here](https://historicalcreditscores.fanniemae.com/) and [here](https://sf.freddiemac.com/general/credit-score-models). + +Fannie Mae and Freddie Mac will also continue to update their coordinated implementation websites, which can be found [here](https://singlefamily.fanniemae.com/originating-underwriting/credit-score-models) and [here](https://sf.freddiemac.com/general/credit-score-models). + +### **When will these changes take effect?** + +The Enterprises are completing the final steps for delivery of loans scored using VantageScore 4.0. The Enterprises will keep sellers/servicers and other market participants apprised of next steps. Each Enterprise will then update its Selling Guide policies; until then, existing Selling Guide and other requirements remain in place. diff --git a/chunks/txt/9cb15193e0511809f2c2ce3b36ca5a408f7f0e7d028b8d570896e32abcf9fc1b.txt b/chunks/txt/9cb15193e0511809f2c2ce3b36ca5a408f7f0e7d028b8d570896e32abcf9fc1b.txt new file mode 100644 index 0000000000000000000000000000000000000000..82578b05a5443d5b3f390d2162a3e440b327b8df --- /dev/null +++ b/chunks/txt/9cb15193e0511809f2c2ce3b36ca5a408f7f0e7d028b8d570896e32abcf9fc1b.txt @@ -0,0 +1,19 @@ +16. I have identified the differences between the subject and comparable properties, analyzed the market reaction to those differences, and +reflected those differences in the analysis. + +17. To the extent possible, I verified, from a disinterested source, all information in this report that was provided by parties who have a financial +interest in the sale or financing of the subject property. + +18. I have taken into consideration the factors that have an impact on value with respect to the subject property, and its location, including its +proximity to adverse influences in the development of my opinion of market value. I have noted in this appraisal report any adverse conditions +(such as, but not limited to, needed repairs, deterioration, the presence of hazardous wastes, toxic substances, adverse environmental +conditions, etc.) that I became aware of during the development of this appraisal. I have considered these adverse conditions in my analysis of +the property value and have reported on the effect of the conditions on the value and marketability of the subject property. + +19. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and +information in this appraisal report are true and correct. + +20. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any +agreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a +predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or +occurrence of a specific subsequent event (such as approval of a pending mortgage loan application). diff --git a/chunks/txt/9cc4a877fe6bb1b724e84953d77987af35896ca74ad564543241d03cfa229e78.txt b/chunks/txt/9cc4a877fe6bb1b724e84953d77987af35896ca74ad564543241d03cfa229e78.txt new file mode 100644 index 0000000000000000000000000000000000000000..abb9e2c73e947a2ce9a855ef1d4e04338103dae6 --- /dev/null +++ b/chunks/txt/9cc4a877fe6bb1b724e84953d77987af35896ca74ad564543241d03cfa229e78.txt @@ -0,0 +1,3 @@ +© 2022 Fannie Mae. Trademarks of Fannie Mae. + +October 2022 diff --git a/chunks/txt/9cd725d47753bb7b83366a19eb28d93724e55b1af14dc53c3e162c6d691a6055.txt b/chunks/txt/9cd725d47753bb7b83366a19eb28d93724e55b1af14dc53c3e162c6d691a6055.txt new file mode 100644 index 0000000000000000000000000000000000000000..99aa33f760b3bf1047c516b1cc8b8a7a97e738eb --- /dev/null +++ b/chunks/txt/9cd725d47753bb7b83366a19eb28d93724e55b1af14dc53c3e162c6d691a6055.txt @@ -0,0 +1,112 @@ +Either field 3-127 (Valuation Reconciliation +Condition of Appraisal Type = 'AsIs'), or at +least one of fields 3-128, 3-129 , 3-130 +(other values of Valuation Reconciliation +Condition of Appraisal Type) must be +indicated. If field 3-127 is indicated, then +none of fields 3-128, 3-129 , 3-130 may be +indicated. + +If any of fields 3-128, 3-129, 3-130 (values +of Valuation Reconciliation Condition of +Appraisal Type) are indicated, this field +should be populated. + +Form FNM 1075 FRE 466 +Appendix B: GSE Appraisal Forms Mapping + +Page 165 of 211 + +Document Version 1.4 + +Sort ID + +Form +Page + +Form +Reference +Number + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +Data Point Field +Length + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +477 + +3 + +132 + +RECONCILIATION Market Value + +Property Appraised +Value Amount + +Statement of property's value from a valid +property valuation source. + +/VALUATION_RESPONSE/VALUATION/@PropertyAppraisedValueAmount + +12 + +Money + +UAD Requirement - Refer to Appendix D Reconciliation Section +Note: This data is referenced more than once on the form and must be represented +consistently. + +PDF Display Format: +Whole numbers only. + +UAD Requirement - Refer to Appendix D Reconciliation Section +Note: This data is referenced more than once on the form and must be represented +consistently. + +133 + +RECONCILIATION As of (Effective Date) + +Appraisal Effective +Date + +Effective date of the appraisal report on +the subject property. + +/VALUATION_RESPONSE/VALUATION/@AppraisalEffectiveDate + +478 + +479 + +480 + +481 + +482 + +483 + +484 + +485 + +486 diff --git a/chunks/txt/9cd99d744e063399df193042194b0a33c439ea4b0c02ff4ad63fff52f719d6e4.txt b/chunks/txt/9cd99d744e063399df193042194b0a33c439ea4b0c02ff4ad63fff52f719d6e4.txt new file mode 100644 index 0000000000000000000000000000000000000000..db2bb7d44969f91e38e110aa0f9172fb2dfb3d00 --- /dev/null +++ b/chunks/txt/9cd99d744e063399df193042194b0a33c439ea4b0c02ff4ad63fff52f719d6e4.txt @@ -0,0 +1,21 @@ +[FHFA Announces Conforming Loan Limit Values for 2026](/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2026) (11/25/2025) +[FHFA Announces Conforming Loan Limit Values for 2025](/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2025) (11/26/2024) +[FHFA Announces Maximum Conforming Loan Limits for 2024](/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2024) (11/28/2023) +[FHFA Announces Maximum Conforming Loan Limits for 2023](/news/news-release/fhfa-announces-conforming-loan-limit-values-for-2023) (11/29/2022) +[FHFA Announces Maximum Conforming Loan Limits for 2022](/news/news-release/fhfa-announces-conforming-loan-limits-for-2022) (11/30/2021) +[FHFA Announces Maximum Conforming Loan Limits for 2021](/news/news-release/fhfa-announces-conforming-loan-limits-for-2021) (11/24/2020) +[FHFA Announces Maximum Conforming Loan Limits for 2020](/news/news-release/fhfa-announces-maximum-conforming-loan-limits-for-2020) (11/26/2019) +[FHFA Announces Maximum Conforming Loan Limits for 2019](/news/news-release/fhfa-announces-maximum-conforming-loan-limits-for-2019) (11/27/2018) +[FHFA Announces Maximum Conforming Loan Limits for 2018](/news/news-release/fhfa-announces-maximum-conforming-loan-limits-for-2018) (11/28/2017) +[FHFA Announces Increase in Maximum Conforming Loan Limits for Fannie Mae and Freddie Mac in 2017](/news/news-release/fhfa-announces-increase-in-maximum-conforming-loan-limits-for-fannie-mae-and-freddie-mac-in-2017) (11/23/2016) +[2016 Maximum Conforming Loan Limits Established for Fannie Mae and Freddie Mac](/news/news-release/2016-maximum-conforming-loan-limits-established-for-fannie-mae-and-freddie-mac) (11/25/2015) +[FHFA Announces 2015 Conforming Loan Limits: Unchanged in Most of the U.S.](/news/news-release/fhfa-announces-2015-conforming-loan-limits-unchanged-in-most-of-the-u.s.) (11/24/2014) +[FHFA Seeks Public Input on Proposed Gradual Decrease of Future Fannie Mae and Freddie Mac Loan Purchase Limits](/news/news-release/fhfa-seeks-public-input-on-proposed-gradual-decrease-of-future-fannie-mae-and-freddie-mac-loan) (12/16/2013) +[FHFA Announces Fannie Mae and Freddie Mac Conforming Loan Limits for 2014](/news/news-release/fhfa-announces-fannie-mae-and-freddie-mac-conforming-loan-limits-for-2014) (11/16/2013) +[Maximum Conforming Loan Limits for Fannie Mae and Freddie Mac to Remain Unchanged in 2013](/news/news-release/maximum-conforming-loan-limits-for-fannie-mae-and-freddie-mac-to-remain-unchanged-in-2013) (11/29/2012) +[Maximum Conforming Loan Limits to Remain Unchanged in All Counties But One in 2012](/news/news-release/maximum-conforming-loan-limits-to-remain-unchanged-in-all-counties-but-one-in-2012) (11/22/2011) +[Maximum Conforming Loan Limits to Remain Unchanged in the First Nine Months of 2011](/news/news-release/maximum-conforming-loan-limits-to-remain-unchanged-in-the-first-nine-months-of-2011) (11/19/2010) +[Maximum Loan Limits for Fannie Mae and Freddie Mac to Remain Unchanged for 2010](/news/news-release/maximum-loan-limits-for-fannie-mae-and-freddie-mac-to-remain-unchanged-for-2010) (11/12/2009) +[2009 Conforming Loan Limits Increased by American Recovery and Reinvestment Act](/news/news-release/2009-conforming-loan-limits-increased-by-american-recovery-and-reinvestment-act) (2/23/2009) +[2009 Conforming Loan Limits Raised In Two Counties](/news/news-release/2009-conforming-loan-limits-raised-in-two-counties) (12/23/2008) +[Conforming Loan Limit for U.S. diff --git a/chunks/txt/9cddbc03fecc001191f88856b775fcc42870c2cacd893ec3db3e5fe5a8a1a282.txt b/chunks/txt/9cddbc03fecc001191f88856b775fcc42870c2cacd893ec3db3e5fe5a8a1a282.txt new file mode 100644 index 0000000000000000000000000000000000000000..c1d5e69e4a230472c07ac8b017d4f3ad2304b680 --- /dev/null +++ b/chunks/txt/9cddbc03fecc001191f88856b775fcc42870c2cacd893ec3db3e5fe5a8a1a282.txt @@ -0,0 +1,68 @@ +Q3 + +C2 + +Q3 + +C3 + +$10,000 + +Patio | Porch + +Deck | Porch + +$(5,000) + +Driveway | 4 | Pavers +Garage | 2 | Attached +400 Sq. Ft. + +Driveway | 2 | Concrete +Garage | 2 | Attached +400 Sq. Ft. + +$0 + +— + +— + +$285,000 + +$275,000 + +— + +$270 + +$195 + +$285,270 + +Most + +Indicated Value by Sales Comparison Approach + +Indicated Value + +$275,000 + +Reconciliation of Sales Comparison Approach + +The comparables selected represent the best available market activity in the prior 6 months. Comparables 1, 3, and 4 are CHOICEHomes or +MHAdvantage. + +Comparable #1 is similar to the subject in age, quality and condition. However, was given less weight due to the water view, superior lot size +and living area. The view is a full view of a non-navigable pond with access limited to the properties that have direct waterfront. + +Comparable #2 was given less weight as it does not have the finishes and upgrades that the subject and other comparables have, has not been +updated, and has less living area as compared to the subject. + +Comparable #3 was given most weight as it is similar to the subject in age, quality and condition and is the most comparable in living area. + +Comparable #4 was also given most consideration as it represents the most recent market activity, is similar in living area and most similar +in quality, condition, features and amenities. Comp #4 receives a location adjustment as it is located within a mile of a large lake with public +access, boat ramp, and rentable dock space and boat storage. + +Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2) diff --git a/chunks/txt/9ce91d279a75efe968a9d666ab2a2cf867730136ab510e96d3d75ce3ba3c41ed.txt b/chunks/txt/9ce91d279a75efe968a9d666ab2a2cf867730136ab510e96d3d75ce3ba3c41ed.txt new file mode 100644 index 0000000000000000000000000000000000000000..955bb152c80507196ea93a81328f41f93fe13345 --- /dev/null +++ b/chunks/txt/9ce91d279a75efe968a9d666ab2a2cf867730136ab510e96d3d75ce3ba3c41ed.txt @@ -0,0 +1,222 @@ +One and only one of fields 2-23, 2-24, 2-25 +(values of Project Analysis Competitive +Project Comparison Type) should be +indicated. + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +T + +Form FNM 1075 FRE 466 +Appendix B: GSE Appraisal Forms Mapping + +Page 143 of 211 + +Document Version 1.4 + +Format + +Implementation Notes + +Conditionality Description + +Data Field +Conditionality + +Sort ID + +Form +Page + +Form +Reference +Number + +226 + +227 + +228 + +229 + +230 + +231 + +232 + +233 + +234 + +235 + +236 + +237 + +238 + +239 + +240 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +2 + +24 + +25 + +26 + +27 + +28 + +29 + +30 + +31 + +32 + +33 + +34 + +35 + +36 + +37 + +38 + +Form Section + +Form Field Label + +Data Point Name + +Data Point Definition + +XPath + +PROJECT +ANALYSIS + +PROJECT +ANALYSIS + +Compared to other competitive projects +of similar quality and design, the subject +unit charge appears +Average + +Compared to other competitive projects +of similar quality and design, the subject +unit charge appears +Low + +Project Analysis +Competitive Project +Comparison Type + +Project Analysis +Competitive Project +Comparison Type + +Specifies the type of competition the +project faces. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@ +_CompetitiveProjectComparisonType='Average'] + +Specifies the type of competition the +project faces. + +/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@ +_CompetitiveProjectComparisonType='Low'] + +Data Point Field +Length + +7 + +7 + +Enumerated + +Enumerated + +PROJECT +ANALYSIS + +If High or Low, describe + +Project Analysis +Competitive Project +Comparison +Description + +A free-form text field describing the +differences, relative values, and effect of +competitive projects. diff --git a/chunks/txt/9cf924f2bccc98145ad652234791298c840708f16dba3f617230b9d5ed58d050.txt b/chunks/txt/9cf924f2bccc98145ad652234791298c840708f16dba3f617230b9d5ed58d050.txt new file mode 100644 index 0000000000000000000000000000000000000000..2ad5385ff1c36fa66b20c86ffec0407aba82c717 --- /dev/null +++ b/chunks/txt/9cf924f2bccc98145ad652234791298c840708f16dba3f617230b9d5ed58d050.txt @@ -0,0 +1,36 @@ +Verification of Employment Alternatives + +Selling Guide Announcement SEL-2023-11 updated the verbal verification of employment requirements. The DU verbal VOE +message will be updated to reflect the policy update. + +Collection Messages + +The Selling Guide specifies when collection accounts need to be paid in full prior to close. The collection messages issued by DU +will include all collections reported on the credit report, even if they are shown on the loan application and indicated that the +account will be paid by closing. + +Loan Amount Validation + +DU will issue an Error recommendation on purchase transactions when the loan amount provided on the loan application is +greater than the sales price. The sales price includes the purchase price, amount of improvements or repairs (including energy +improvements), and the cost of land on an interim construction loan. + +Miscellaneous Message Text Changes + +To continue to provide clarity and consistency with the Selling Guide, various DU messages will be updated. + +© 2023 Fannie Mae. + +12.13.23 1 of 2 + +For More Information + +For more information about these Release Notes, lenders may contact their Fannie Mae Business Account Management Solutions +(BAMS) team, and mortgage brokers should contact their DO sponsoring wholesale lender. For technology considerations, an +Integration Impact Memo will be posted on the Technology Integration page. + +© 2023 Fannie Mae. + +12.13.23 + +2 of 2 diff --git a/chunks/txt/9cfa09e159a4fa9ea9b317fe021ecaae2b218e3385fd0acd4cabac7e1ef2a119.txt b/chunks/txt/9cfa09e159a4fa9ea9b317fe021ecaae2b218e3385fd0acd4cabac7e1ef2a119.txt new file mode 100644 index 0000000000000000000000000000000000000000..cd9717681bb263338e808dc5785d496fdfd766f9 --- /dev/null +++ b/chunks/txt/9cfa09e159a4fa9ea9b317fe021ecaae2b218e3385fd0acd4cabac7e1ef2a119.txt @@ -0,0 +1,41 @@ +b. Selling Real Estate Agent Data – If Purchase and Applicable + +For Real Estate Agents, an additional container and data point are included in the XML file under ROLE: +REAL_ESTATE_AGENT/RealEstateAgentType. If the Borrower used a Real Estate Agent to facilitate the purchase, the data +point RealEstateAgentType = “Selling” must be provided with PartyRoleType = “RealEstateAgent”. + +In the majority of cases, the Real Estate Agent will charge the Borrower for their services, and a ucd:FeeItemType = +“RealEstateCommissionBuyersBroker” is expected in the XML file. In UCD v2.0, if this enumeration is present, two PARTY +containers with PartyRoleType = “RealEstateAgent” AND RealEstateAgentType = “Selling” must also be present. + +c. Listing Real Estate Agent Data – If Purchase and Applicable + +If the Property Seller used a Real Estate Agent to facilitate the sale, the data point RealEstateAgentType = “Listing” must + +be provided with PartyRoleType = “RealEstateAgent”. + +In the majority of cases, the Real Estate Agent will charge the Property Seller for their services, and a ucd:FeeItemType = +“RealEstateCommissionSellersBroker” is expected in the XML file. In UCD v2.0, if this enumeration is present, two PARTY +containers with PartyRoleType = “RealEstateAgent” AND RealEstateAgentType = “Listing” must also be present. + +No license information is collected for real estate agents. + +UCD v2.0 Implementation Guide + +- 143 - + +Version 1.0 + +Uniform Closing Dataset + +V. XML File Data Payload A to Z + +Figure 118. XML Snippet – Example of Conditional PARTY Data. + + +… + + + + +