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chunks/txt/216bfc72a84f41fad68bcb75f2410554ce9ef0964ec65fe1bee19b45d9e94e3f.txt

@@ -0,0 +1,95 @@
+Whereas, additional technical revisions to
+
+certain data fields in the single-family and
+multifamily matrices of the PUDB are
+necessary in order to conform the data fields
+to existing PUDB reporting practices;
+
+Now, Therefore, it is hereby ordered
+
+as follows:
+
+1. The matrices in FHFA’s PUDB are
+
+revised, as set forth in the attached Appendix
+which is incorporated herein by reference, to
+include: (a) A new single-family National
+File C containing new data fields applicable
+to 2010 and subsequent years for the high-
+cost securitized single-family loan data; and
+(b) revised data fields in the single-family
+and multifamily matrices applicable to 2010
+and subsequent years to conform to changes
+made by HERA and existing PUDB reporting
+practices;
+
+2. The Enterprises shall provide FHFA
+with the mortgage data required to populate
+the data fields described in the revised
+single-family and multifamily matrices in the
+Appendix; and
+
+3. This Order modifies the FHFA Order of
+
+July 1, 2010 (75 FR 41180, 41189 (July 15,
+2010)) and shall be effective until such time
+as FHFA determines that it is necessary and/
+or appropriate to withdraw or modify it.
+
+Signed at Washington, DC, this 21st day of
+
+September, 2011.
+Edward J. DeMarco,
+Acting Director, Federal Housing Finance
+Agency.
+
+Dated: September 21, 2011.
+
+Edward J. DeMarco,
+Acting Director, Federal Housing Finance
+Agency.
+
+BILLING CODE 8070–01–P
+
+VerDate Mar<15>2010 18:20 Sep 27, 2011 Jkt 223001 PO 00000 Frm 00040 Fmt 4703 Sfmt 4703 E:\FR\FM\28SEN1.SGM 28SEN1
+
+I
+
+S
+E
+C
+T
+O
+N
+h
+t
+i
+
+w
+D
+O
+R
+P
+1
+N
+V
+T
+P
+S
+5
+K
+S
+D
+n
+o
+
+s
+t
+r
+e
+b
+o
+r
+s
+
+Federal Register / Vol. 76, No. 188 / Wednesday, September 28, 2011 / Notices

chunks/txt/21856ea0d1211affd7a8bcaab2e7476248f23c3e9163b705181ef8d77a1bd199.txt

@@ -0,0 +1,150 @@
+1 - Bath - Full
+1 - Bedroom
+1 - Dining Room
+1 - Family Room
+1 - Kitchen
+1 - Office
+
+2 - Bath - Full
+4 - Bedroom
+1 - Laundry Room
+
+Level 2
+
+Above Grade
+
+Finished
+
+1,532 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
+Kitchen
+Level 1
+
+Bath - Full
+Level 2
+
+Bath - Full
+Level 1
+
+Bath - Full
+Level 2
+
+Bath - Half
+Level B1
+
+Update Status
+Not Updated
+
+Time Frame
+
+Not Updated
+
+Not Updated
+
+Not Updated
+
+Quality Comment
+Corian Countertops,
+Double Oven,
+Hardwood floors.
+
+Double Sink with
+separate shower and
+extra-large tub, ceramic
+flooring.
+
+Condition Status
+Typical Wear and Tear
+
+Condition Comment
+
+Typical Wear and Tear
+
+Ceramic flooring.
+
+Typical Wear and Tear
+
+Ceramic flooring.
+
+Typical Wear and Tear
+
+Fully Updated
+
+5–10 years
+
+Ceramic flooring.
+
+Typical Wear and Tear
+
+Half bath newer than
+rest of house.
+
+Overall Update Status for
+Bathrooms
+
+Moderately Updated
+
+Interior Features
+
+Feature
+Flooring
+
+Detail
+Carpet
+
+Quality Comment
+Throughout all bedrooms
+and living areas.
+
+Condition Status
+Damaged and Functional
+
+Condition Comment
+Original carpet, stained in
+one corner in the Dining
+Room.
+
+Walls and Ceiling
+
+Ceramic Tile
+
+Engineered Wood
+
+All baths.
+
+Throughout finished below
+grade area.
+
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+Hardwood
+
+Kitchen and Hallways.
+
+Typical Wear and Tear
+
+8 Ft. | 9 Ft. | 10 or more feet |
+2 or more stories | Cathedral |
+Coffered | Flat
+
+Cathedral ceiling in bedroom,
+2 story family room, coffered
+ceiling in media room. 9 foot
+ceiling in 1st level.

chunks/txt/218dc775a0062fee8289ad5eb9467f3029c08edaeb49c0e77d41055c2693c5d4.txt

@@ -0,0 +1,242 @@
+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
+
+Dwelling(s)
+
+Year Built
+
+Dwelling Style
+
+Heating
+
+1979
+
+Colonial
+
+1989
+
+Colonial
+
+$0
+
+1984
+
+Colonial
+
+$0
+
+1978
+
+Colonial
+
+Forced Warm Air | Electric
+
+Forced Warm Air
+
+Forced Warm Air
+
+Forced Warm Air
+
+Energy Efficient And Green Features
+
+Renewable Energy
+Component
+
+Efficiency Rating
+
+Solar
+
+HERS | 65
+Home Energy Score | 7
+
+$0
+
+None
+
+None
+
+Solar
+
+HERS | 65
+Home Energy Score | 8
+
+Unit(s)
+
+Bedrooms
+
+Baths - Full | Half
+
+Finished Area Above Grade
+
+Finished Area Below Grade
+
+Unfinished Area
+Below Grade
+
+Location of ADU
+
+Bedrooms
+
+Baths - Full | Half
+
+Finished Area Above Grade
+
+Finished Area Below Grade
+
+5
+
+3 | 1
+
+5
+
+3 | 1
+
+5
+
+3 | 1
+
+3
+
+$0
+
+2 | 1
+
+$20,000
+
+3,304 Sq. Ft.
+
+3,228 Sq. Ft.
+
+$0
+
+3,562 Sq. Ft.
+
+$(20,640)
+
+3,256 Sq. Ft.
+
+$0
+
+640 Sq. Ft.
+
+616 Sq. Ft.
+
+1,000 Sq. Ft.
+
+$(14,400)
+
+1,000 Sq. Ft.
+
+$(14,400)
+
+1,200 Sq. Ft.
+
+$(22,400)
+
+614 Sq. Ft.
+
+$0
+
+200 Sq. Ft.
+
+$2,700
+
+428 Sq. Ft.
+
+$3,760
+
+Dwelling
+
+Dwelling
+
+Dwelling
+
+ADU/Garage
+
+$0
+
+1
+
+1 | 0
+
+0 Sq. Ft.
+
+704 Sq. Ft.
+
+1
+
+1 | 0
+
+1
+
+1 | 0
+
+1
+
+1 | 0
+
+500 Sq. Ft.
+
+$(30,000)
+
+0 Sq. Ft.
+
+625 Sq. Ft.
+
+$(37,500)

chunks/txt/219e6ccbfc6fd74b0e53bfc13982e248ebe5d7e5b614393bb57590294dd727f2.txt

@@ -0,0 +1,29 @@
+Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K
+
+Uniform Residential Appraisal Report
+
+Page 18 of 19
+Page 18 of 19
+
+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.
+
+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.

chunks/txt/21b1e1a0e4f1147560484c75e134ee337107c8f2607d90c0bb02183fa833c488.txt

@@ -0,0 +1 @@
+[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/296&order=field_release_date&sort=asc) Report Attachment January 22, 2026 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - October 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/10) [Read Report](/document/FPR-FPM-Report-October-2025.pdf) December 23, 2025 [Foreclosure Prevention, Refinance, and FPM Report - 3Q2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/Q3) [Read Report](/document/FPRR_3Q2025.pdf) November 03, 2025 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - August 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/8) [Read Report](/document/FPR-FPM-Report-August-2025.pdf) October 09, 2025 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - July 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/7) [Read Report](/document/FPR-FPM-Report-July-2025.pdf) September 18, 2025 [Foreclosure Prevention, Refinance, and FPM Report - 2Q2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/Q2) [Read Report](/document/foreclosure-prevention-refi-fpm-report-2q2025) August 12, 2025 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - May 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/5) [Read Report](/document/FPR-FPM-Report-May-2025.pdf) July 24, 2025 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - April 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/4) [Read Report](/document/FPR-FPM-Report-April-2025.pdf) June 26, 2025 [Foreclosure Prevention, Refinance, and FPM Report - 1Q2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/Q1) [Read Report](/document/FPRR_1Q2025.pdf) May 30, 2025 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - February 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/2) [Read Report](/document/FPR-FPM-Report-February-2025.pdf) April 23, 2025 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - January 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/1) [Read Report](/document/FPR-FPM-Report-January-2025.pdf) April 03, 2025 [Foreclosure Prevention, Refinance, and FPM Report - 4Q2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/Q4) [Read Report](/document/fprr_4q2024.pdf) February 11, 2025 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - November 2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/11) [Read Report](/document/FPR-FPM-Report-November-2024.pdf) January 23, 2025 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - October 2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/10) [Read Report](/document/FPR-FPM-Report-October-2024.pdf) December 19, 2024 [Foreclosure Prevention, Refinance, and FPM Report - 3Q2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/Q3) [Read Report](/document/FPRR_3Q2024.pdf) November 12, 2024 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - August 2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/8) [Read Report](/document/foreclosure-prevention-refinance-and-fpm-report-august-2024) October 17, 2024 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - July 2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/7) [Read Report](/document/foreclosure-prevention-refinance-and-fpm-report-july-2024) September 24, 2024 [Foreclosure Prevention, Refinance, and FPM Report - 2Q2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/Q2) [Read Report](/document/foreclosure-prevention-refi-fpm-report-2q2024) August 14, 2024 [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - May 2024](/reports/foreclosure-prevention-refinance-and-fpm/2024/5) [Read Report](/document/foreclosure-prevention-refi-and-fpm-report-may-2024) July 23, 2024 [Fore

chunks/txt/21b97789c4230dfc988f20ac749f46678e76064ebd9aa405ba9214d65a949ea8.txt

@@ -0,0 +1,154 @@
+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
+
+482
+
+6
+
+12
+
+APPRAISER
+CERTIFICATION
+
+Appraiser
+Effective Date of
+Appraisal
+
+Appraisal Effective
+Date
+
+Effective date of the appraisal report
+on the subject property.
+
+/VALUATION_RESPONSE/VALUATION/@A
+ppraisalEffectiveDate
+
+10
+
+Date/Time
+
+UAD Requirement - Refer to Appendix D Appraiser Certification
+Section
+Note: This data is referenced more than once on the form (field 2-135) and
+must be represented consistently.
+
+Data Format:
+yyyy-mm-dd
+
+PDF Display Format:
+mm/dd/yyyy
+
+483
+
+484
+
+485
+
+486
+
+487
+
+6
+
+6
+
+6
+
+6
+
+6
+
+13
+
+14
+
+15
+
+16
+
+17
+
+APPRAISER
+CERTIFICATION
+
+Appraiser
+State Certification #
+
+Appraiser License
+Identifier
+
+State license number of the appraiser
+who completed the final estimate of
+value for the subject property.
+
+/VALUATION_RESPONSE/PARTIES/APPRA
+ISER/APPRAISER_LICENSE[@_Type='Certifi
+cate']/@_Identifier
+
+APPRAISER
+CERTIFICATION
+
+Appraiser
+or State License #
+
+Appraiser License
+Identifier
+
+State license number of the appraiser
+who completed the final estimate of
+value for the subject property.
+
+/VALUATION_RESPONSE/PARTIES/APPRA
+ISER/APPRAISER_LICENSE[@_Type='Licens
+e']/@_Identifier
+
+APPRAISER
+CERTIFICATION
+
+Appraiser
+or Other (describe)
+
+Appraiser License
+Type Other
+Description
+
+A free form text field used to capture
+additional information when Other is
+selected for Appraisal License Type.

chunks/txt/21c0c8655bc4fc0b474ff48796f79c9ffc079df484273e63f56191b9580bb230.txt

@@ -0,0 +1,115 @@
+04 New Observed Items for Repair
+
+The New Observed Items for Repair section displays a list of additional repairs observed during the completion
+inspection.
+•
+•
+
+If there are no newly-observed items, the section does not display.
+If needed, use Completion Report Commentary (06.001) to show resolution of these items.
+
+Completion Report - New Observed Items for Repair
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+04.001
+
+Feature
+
+Required for each new
+observed item
+
+Allowable
+Answers / Format
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+Definition / Additional Guidance
+
+Exterior Walls and Trim
+Flooring
+Foundation
+
+•
+•
+•
+• Mechanical Systems
+•
+• Walls and Ceiling
+• Windows
+•
+
+Other (Describe)
+
+Roof
+
+See
+iGuide
+
+N/A
+
+Required for each new
+observed item
+
+Photo
+
+Photo(s) of the new observed item must be provided, which display in
+Completion Report Exhibits as “New Observed Items for Repair” with the
+indicated Feature. A caption may be provided to further describe the photo.
+
+04.002
+
+Location
+
+Required for each new
+observed item
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+•
+•
+•
+•
+
+•
+
+Full Bathroom
+Half Bathroom
+Kitchen
+Other (Describe)
+
+If there are multiple kitchens or bathrooms, indicate in Description which
+one has the repair item.
+
+04.003 Description
+
+Required for each new
+observed item
+
+Free-form
+
+Description of the defect, damage, or deficiency, including details as to location
+if needed.
+•
+
+For properties with multiple units, indicate in Description which unit has
+the repair item.
+For properties with multiple dwellings, indicate in Description which
+building has the repair item.
+For outbuildings, indicate in Description the Outbuilding Type that has the
+repair item.

chunks/txt/21d81877377ecb9d430ca853d606e5c43d2120a5e3aa2da4f53542154977997c.txt

@@ -0,0 +1,39 @@
+Desktop Underwriter Validation Service
+Release Notes
+
+July 31, 2024
+
+On September 20, 2024, Fannie Mae will update the Desktop Underwriter® (DU®) validation service to introduce enhancements to
+improve the digital verification of income and employment for loan casefiles submitted or resubmitted on or after September 20,
+2024. The enhancements apply to loan casefiles for which employment or income is validated using an asset verification report.
+These enhancements include:
+
+• Dynamic employment validation close by dates
+
+• New report type to extend borrower employment validation
+
+•
+
+Expanded eligibility for income and employment validation messaging
+
+Note: These enhancements are available to all lenders, though lenders must opt-in to be activated to have access to
+this functionality. Desktop Originator® (DO®) lenders need their sponsoring lenders to opt in to receive this
+functionality.
+
+Dynamic Employment Validation Close-by Dates
+
+When employment is validated using an asset verification report, DU will apply a close-by date that is 15-days from the report
+“Current As-of Date,” or up to the next expected income deposit date (whichever is greater). For example, when borrowers are
+paid monthly, the next expected income deposit date may be up to 30 days after the report date. Therefore, this enhancement
+will allow lenders greater flexibility when verifying a borrower’s employment status.
+
+The close-by date that applies to each employment will be provided in the DU Findings message indicating employment is
+validated.
+
+New Report Type to Extend Borrower Employment Validation
+
+On March 6, 2024, the Selling Guide was updated to permit manual reverification of employment using a supplemental deposit-
+based asset verification report. Supplemental asset verification reports are provided by some report vendors for employment
+reverification and contain asset account details without deposit amounts and account balances. This release will automate the
+use of the supplemental asset verification report to extend employment validation when employment was previously validated
+using an asset verification report.

chunks/txt/21dbe467aa722e4ca23ab6a0cdb1caa8b720628fb58067291adcd2af70752916.txt

@@ -0,0 +1 @@
+© 2023 Fannie Mae 12.20.23 1 of 1

chunks/txt/21df107b1c92dd5f363fe15f788a5fca85b9c3392ded702da1aa1c12a0f672a0.txt

@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/data/uad/puf"
+date_accessed: "2026-01-27T17:54:20.619Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)

chunks/txt/21dfc6226b47968d601381f664b6b286fe460b500adb5d06aa95105090c61e70.txt

@@ -0,0 +1,411 @@
+1200
+
+2
+
+1
+
+2
+
+0
+
+C3
+
+Patio
+
+Amenities
+
+Similar
+
+Most
+
+2600
+
+Patio
+
+Amenities
+
+Similar
+
+Most
+
+2600
+
+2.25
+
+2022-03
+
+2700
+
+PropertyPhoto
+
+\\Images\181Cattledrive.png
+
+image/png
+
+25.165172
+
+-51.328126
+
+false
+
+false
+
+false
+
+181 Cattledrive St
+
+Unit
+
+C
+
+Anyplace
+
+01234
+
+TX
+
+North
+
+2
+
+3
+
+Dwelling
+
+1200
+
+2
+
+2
+
+2
+
+0
+
+C3
+
+Balcony
+
+Amenities
+
+Similar
+
+Most
+
+2600
+
+Balcony
+
+Amenities
+
+Similar
+
+Most
+
+2600
+
+2.25
+
+2022-07
+
+2700
+
+PropertyPhoto
+
+\\Images\181Cattledrive.png
+
+image/png
+
+25.165172
+
+-51.328126
+
+false
+
+false
+
+false
+
+123 Something Pl
+
+Unit
+
+1
+
+Anyplace
+
+01234
+
+TX
+
+South
+
+3
+
+4.5
+
+Dwelling
+
+1250
+
+2
+
+1
+
+2
+
+0
+
+C4
+
+Patio
+
+Amenities
+
+Similar
+
+Less
+
+2550
+
+Patio
+
+Amenities
+
+Similar
+
+Less
+
+2550
+
+2.00
+
+2022-07
+
+2500
+
+PropertyPhoto
+
+\\Images\123Something.png
+
+image/png
+
+25.165171
+
+-51.328127
+
+false
+
+false
+
+false
+
+123 Something Pl
+
+Unit
+
+3
+
+Anyplace
+
+01234
+
+TX
+
+South
+
+4
+
+4.5
+
+Dwelling
+
+1250
+
+2
+
+2
+
+2
+
+0
+
+C4
+
+None
+
+Amenities
+
+Similar
+
+Less
+
+2575
+
+None
+
+Amenities
+
+Similar
+
+Less
+
+2575
+
+2.00
+
+2022-09
+
+2500
+
+PropertyPhoto
+
+\\Images\123Something.png
+
+image/png
+
+25.165171
+
+-51.328127
+
+false
+
+false
+
+false
+
+341 Nothing Dr
+
+Unit
+
+1
+
+Anyplace
+
+01234
+
+TX
+
+East
+
+5
+
+3.5
+
+Dwelling
+
+1050
+
+2
+
+1
+
+2
+
+0
+
+C3
+
+Patio
+
+Amenities
+
+Similar
+
+Most
+
+2650
+
+Patio
+
+Amenities
+
+Similar
+
+Most
+
+2650
+
+2.48
+
+2023-01
+
+2600
+
+PropertyPhoto
+
+\\Images\341Nothing.png
+
+image/png
+
+25.16517
+
+-51.328128
+
+false
+
+false
+
+false
+
+341 Nothing Dr
+
+Unit
+
+4
+
+Anyplace
+
+01234
+
+TX
+
+East
+
+6
+
+3.5
+
+Dwelling
+
+1050
+
+2
+
+2
+
+2
+
+0
+
+C3
+
+Balcony
+
+Amenities
+
+Similar
+
+Most
+
+2650
+
+Balcony
+
+Amenities
+
+Similar
+
+Most
+
+2650
+
+2.48
+
+2023-02
+
+2600
+
+PropertyPhoto
+
+\\Images\341Nothing.png

chunks/txt/21ed88149d56c9fa195c7167f75299b3e1e2ac16fe42b33f74e0011873b399db.txt

@@ -0,0 +1,183 @@
+481
+
+482
+
+483
+
+484
+
+485
+
+486
+
+487
+
+488
+
+489
+
+490
+
+491
+
+4
+
+4
+
+4
+
+4
+
+5
+
+5
+
+5
+
+5
+
+6
+
+6
+
+6
+
+2
+
+3
+
+4
+
+HEADER
+
+BLANK
+
+HEADER
+
+File #
+
+HEADER
+
+BLANK
+
+4a
+
+HEADER
+
+BLANK
+
+2
+
+3
+
+4
+
+HEADER
+
+BLANK
+
+HEADER
+
+File #
+
+HEADER
+
+BLANK
+
+4a
+
+HEADER
+
+BLANK
+
+2
+
+3
+
+4
+
+HEADER
+
+BLANK
+
+HEADER
+
+File #
+
+HEADER
+
+BLANK
+
+Report Title
+Description
+
+Appraiser File
+Identifier
+
+Appraiser
+Additional File
+Identifier Name
+
+Report Title
+Description
+
+Appraiser File
+Identifier
+
+Appraiser
+Additional File
+Identifier Name
+
+Report Title
+Description
+
+Appraiser File
+Identifier
+
+Appraiser
+Additional File
+Identifier Name
+
+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.
+
+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.
+
+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/@AppraiserAdditionalFileIdentifierName
+
+50
+
+String
+
+Appraiser
+Additional File
+Identifier
+
+Used to indicate by name the type of
+identifier represented by
+AppraisersAdditionalFileIdentifier.

chunks/txt/21f1a70dbefa2276933b3ff4a58ab947d76b79b27593b516c013186d01042241.txt

@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/news/public-engagements"
+date_accessed: "2026-01-27T17:54:20.282Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)

chunks/txt/21f968d195f40ebda80163b22283057815cea4addf34a85d640d99a5e5885c90.txt

@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/programs/neighborhood-stabilization-initiative"
+date_accessed: "2026-01-27T17:48:04.322Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)

chunks/txt/21ff1fef2b8db01f522292ada050b6e7aa5603273af38ef29043861c588efaad.txt

@@ -0,0 +1,145 @@
+Page 5 of 19
+Page 5 of 19
+
+Dwelling Exterior (continued)
+
+Quality and Condition
+
+Exterior Quality Rating
+
+Q4
+
+Exterior Condition Rating
+
+C3
+
+The table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report
+
+Exterior Features
+
+Feature
+Exterior Walls and Trim
+
+Foundation
+
+Roof
+
+Windows
+
+Quality Comment
+
+Detail
+Brick | Wood
+
+Poured Concrete | Slab
+
+Asphalt
+Estimated Age: 1-10 years
+
+Vinyl thermal pane - double
+hung
+
+Standard grade
+materials used
+
+Condition Status
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+New or Like New
+
+Typical Wear and Tear
+
+Condition Comment
+
+Check #A
+
+Mechanical System Details
+
+Heating
+
+Cooling
+
+System
+Forced Warm Air
+
+Centralized
+
+Detail
+Natural Gas
+
+Core Heating System Below Grade
+
+Other Mechanical Systems
+
+Water Heater
+
+Yes No
+ 
+
+Apparent Defects, Damages, Deficiencies (Dwelling Exterior)
+
+None
+
+Unit Interior
+
+Area Breakdown
+
+Finished Above Grade
+Unfinished Above Grade
+Finished Below Grade
+Unfinished Below Grade
+
+Area Data Source
+
+Level and Room Detail
+
+1,260 Sq. Ft.
+0 Sq. Ft.
+0 Sq. Ft.
+0 Sq. Ft.
+Physical Measurement
+
+Levels in Unit
+Occupancy
+Total Bedrooms
+Total Bathrooms - Full
+Total Bathrooms - Half
+
+1
+Owner
+3
+2
+0
+
+Level in Unit
+Level 1
+
+Grade Level Detail
+Above Grade
+
+Finish
+Finished
+
+Area
+1,260 Sq. Ft.
+
+Room Summary
+2 - Bath - Full
+3 - 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

chunks/txt/21ff90009ec13f7eb60355e37845df495e1a364fcc43627f67510833a40c4343.txt

@@ -0,0 +1,86 @@
+Apparent Defects, Damages, Deficiencies (Unit Interior)
+
+None
+
+Unit Interior Commentary
+
+The dwelling has been well-maintained and exhibits only minimal wear and tear.
+
+Unit Interior Exhibits
+
+Level 1 - Kitchen
+
+Level 1 - Bath - Full - Primary Bath
+
+This is where the Kitchen photo would display.
+
+This is where the Bath 1 photo would display.
+
+Level 1 - Bath - Full - Bath 2
+
+Level 1 - Bedroom - Primary Bedroom
+
+This is where the Bath 2 photo would display.
+
+This is where the 1st Bedroom photo would display.
+
+Level 1 - Bedroom - Second Bedroom
+
+Level 1 - Bedroom - Third Bedroom
+
+This is where the 2nd Bedroom photo would display.
+
+This is where the 3rd Bedroom photo would display.
+
+Appraisal Version #2Fannie Mae | Freddie Mac September 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5)
+
+Uniform Residential Appraisal Report
+
+Page 7 of 19
+Page 7 of 19
+
+Unit Interior (continued)
+
+Level 1 - Dining Room
+
+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 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5)
+
+Uniform Residential Appraisal Report
+
+Page 8 of 19
+Page 8 of 19
+
+Subject Property Amenities

chunks/txt/2201ba267515a08eb172bcc9cbafd35b8cc05607551bff4bbdd9005ae7c7365e.txt

@@ -0,0 +1,72 @@
+Appendix E: Report Style Guide
+
+Page 61 of 90
+
+Version 1.4
+
+Water Frontage with Private Access
+
+•
+
+•
+
+“Water Frontage with Private Access” sets as TB-SCA_sub-H1-ADJ.
+
+“Water Frontage,” “Permanent Waterfront Feature” set as TB.
+
+o “Right to Build” sets as TB-I.
+
+•
+
+“Total Linear Measurement” sets as TB.
+
+Dwelling(s)
+
+•
+
+•
+
+“Dwelling(s)” sets as TB-SCA_sub-H1.
+
+“Year Built,” “Structure Design,” “Gross Building Finished Area,” “Noncontinuous Finished Area,”
+“Townhouse End Unit,” “Townhouse Back to Back,” “Townhouse Location,” “Construction Method,”
+“Manufactured Home Width,” “Dwelling Style,” “Total Dwelling Volume,” “Window Surface Area,”
+“Functional Issues,” “Disaster Mitigation,” “Heating,” “Cooling,” “[Additional Row]” set as TB.
+
+Energy Efficient and Green Features
+
+Unit(s)
+
+•
+
+•
+
+•
+
+•
+
+•
+
+“Energy Efficient and Green Features” sets as TB-SCA_sub-H1-ADJ
+
+“Renewable Energy Component,” Building Certification,” “Efficiency Rating” set as TB.
+
+“Unit(s)” sets as TB-SCA_sub-H1.
+
+“Structure ID | Unit ID,” “Location of ADU” set in first column as TB-B.
+
+“Floor Number,” “Corner Unit,” “Levels in Unit,” “Bedrooms,”
+“Baths - Full | Half,” “Finished Area Above Grade,” “Finished Area Above Grade (Nonstandard),”
+“Unfinished Area Above Grade,” “Finished Area Below Grade,” “Finished Area Below Grade
+(Nonstandard),” “Unfinished Area Below Grade,” “Features for Individuals w/Disabilities,” “[Additional
+Row]” set as TB.
+
+Quality and Condition (Ratings: 1-6, 1 is highest)
+
+•
+
+•
+
+•
+
+“Quality and Condition (Ratings: 1-6, 1 is highest)” sets as TB-SCA_sub-H1

chunks/txt/22190dd12f2e745095b9ea0750fc0f687f1c97df6168e2055d10a98dccab1671.txt

@@ -0,0 +1,24 @@
+I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all
+
+15.
+statements and information in this appraisal report are true and correct.
+
+I stated in this appraisal report my own personal, unbiased, and professional analysis, opinions, and conclusions, which
+
+16.
+are subject only to the assumptions and limiting conditions in this appraisal report.
+
+17.
+I have no present or prospective interest in the property that is the subject of this report, and I have no present or
+prospective personal interest or bias with respect to the participants in the transaction. I did not base, either partially or
+completely, my analysis and/or opinion of market value in this appraisal report on the race, color, religion, sex, age, marital
+status, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property or of the
+present owners or occupants of the properties in the vicinity of the subject property or on any other basis prohibited by law.
+
+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).
+
+I personally prepared all conclusions and opinions about the real estate that were set forth in this appraisal report. If I

chunks/txt/221fd61f24cfebe0c0858b93e0bfe0f7bc6f759b5d6114da2c8785bb11276fd9.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
+
+Policy
+
+# Deemed-Issuance Ratio
+
+## Breadcrumb
+
+- [Home](/)
+ - [Policy](/policy)
+ - Deemed-Issuance Ratio
+
+The Federal Housing Finance Agency (FHFA) [announced](/news/news-release/fhfa-announces-deemed-issuance-ratio-for-2019) the first deemed-issuance ratio (for the 2019 calendar year) in accordance with Internal Revenue Service (IRS) guidelines on the trading of the Uniform Mortgage-Backed Security on December 6, 2018. IRS [Revenue Procedure 2018-54](https://www.irs.gov/pub/irs-drop/rp-18-54.pdf) calls for FHFA to determine a deemed-issuance ratio for each calendar year based on the ratio of TBA-eligible securities issued by Fannie Mae and Freddie Mac during the 24-month period ending October 31 of the preceding year.

chunks/txt/2234a0098422d4da2fc2f467c776e80331f6b2ab6a20f505809d98f208a8ba93.txt

@@ -0,0 +1,83 @@
+Data Field
+Conditionality
+1073/465
+
+Data Field
+Conditionality 1073
+Hybrid/465H
+
+Data Field
+Conditionality 1073
+Desktop/465D
+
+42
+
+1
+
+e-2
+
+SUBJECT
+
+Report data source(s) used,
+offering price(s), and date(s).
+
+GSE Days On
+Market 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.
+
+/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/@GSEDaysOnMarketDescription
+
+UAD Requirement - Refer to Appendix D Subject Section
+
+4
+
+String
+
+Must provide a whole number or "Unk" if not known.
+
+If field 1-39 is indicated, this field must
+be indicated.
+
+CR
+
+CR
+
+CR
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+UAD Requirement - Refer to Appendix D Subject Section
+
+If there are no current or prior offerings in the 12 months prior to the effective date of
+the appraisal, then this field must indicate the data sources used to establish this fact.
+Any relevant additional comments must also go in this field.
+
+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.
+
+43
+
+1
+
+41
+
+SUBJECT
+
+Report data source(s) used,
+offering price(s), and date(s).
+
+Listed Within
+Previous Year
+Description

chunks/txt/22523f9393c6dcad27aa781f07bb1b269e07a0fb69ad4f0bfc878f1771f4817c.txt

@@ -0,0 +1,46 @@
+FHFA currently receives multiple
+borrower credit score information in the
+form of credit scores from the
+Enterprises, representing each borrower,
+credit reporting agency and date
+associated with the credit score
+issuance. New data field 60, released in
+
+National File C, designates the borrower
+credit score most applicable to the high-
+cost securitized loan. This credit score
+is derived by first selecting from all of
+the borrower’s credit scores only the
+scores between 300 and 1000, which
+FHFA views as a reasonable range of
+credit score values. The earliest credit
+score date of those scores, i.e., the date
+closest to the loan origination date, is
+then identified, and only those scores
+having that date are selected. The lowest
+borrower number of those remaining
+scores, which represents the primary
+borrower, is then identified and only
+those scores having that borrower
+number are selected. Finally, the lowest
+credit score of those remaining scores is
+selected as the score most likely to be
+reflected in determining the loan’s
+interest rate and resulting HMDA rate
+spread. The data will be released using
+the following values: 1 = less than 620;
+2 = 620–<660; 3 = 660–<700; 4 = 700–
+<760; 5 = 760 or greater; 9 = Missing.
+
+E. Other Relevant Data
+
+Section 1324(b)(6)(E), in conjunction
+with section 1326(d)(2), requires public
+disclosure of any other relevant data
+with respect to the high-cost securitized
+loan, as determined by the Director.
+Inclusion in National File C of certain
+fields that are also included in other
+PUDB Files will allow useful
+comparisons of the high-cost securitized
+loan data to data in those other Files.

chunks/txt/225474d50ddd4afa4ca839065ded00a2d974a58c03677c26f8ad3cf991041861.txt

@@ -0,0 +1,71 @@
+Required if Property
+on Native American
+Lands is Yes
+
+Subject Property: Property Rights
+
+Allowable
+Answers / Format
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+Definition / Additional Guidance
+
+Ownership interest in the property
+•
+•
+•
+
+Fee Simple
+Leasehold
+Other (Describe)
+
+Yes | No
+
+Indicates whether the property is in a Community Land Trust.
+
+Choose an
+allowable answer
+from table (Native
+American Lands)
+
+Native American Lands Type: The legal means by which Native American land is
+owned.
+•
+•
+•
+•
+
+Alaska Native Corporation Land
+Hawaiian Home Lands
+Tribal Trust Land
+Other (Describe)
+
+Allowable Answer
+
+Alaska Native Corporation
+Land
+
+Native American Lands (Choose one)
+
+Definition / Additional Guidance
+
+Land that is owned by a Native American tribe and was conveyed by the United States to a Native Corporation pursuant to
+the Alaska Native Claims Settlement Act (43 U.S.C. 1601 et seq.) or that was conveyed by the United States to a Native
+Corporation in exchange for such land.
+
+Hawaiian Home Lands
+
+Public land held in trust by the State of Hawaii, Department of Hawaiian Home Lands for native Hawaiians.
+
+Tribal Trust Land
+
+Land held in trust by the United States government for the benefit of the particular tribe. This type of land may not be
+mortgaged. The tribe executes a lease (approved by HUD/BIA) with the tribal member. The collateral for loans on these
+types of lands is improvements on the land and the lease. The title to the structure and leasehold estate is conveyed but
+not title to the land itself (it would remain trust for the tribe).

chunks/txt/2259a1fb790e55f20438a099795153a0e170c781e55ec6970f3113f13e1bede4.txt

@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/mortgage-translations/borrower-education-materials"
+date_accessed: "2026-01-27T17:54:20.458Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)

chunks/txt/2259f8ccd0ebe8664a79cdfe965cc9b8892f7fa2ddea7a4aad93e0e5cecfdf16.txt

@@ -0,0 +1,139 @@
+the Subject Property Amenities section.
+
+• Amenity Count may be used when there are no additional details about the amenity to be reported. Example: Amenity Examples in Subject
+
+Property Amenities and Sales Comparison Approach
+
+Appendix F-1: URAR Reference Guide
+
+Page 263 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+22 Sales Comparison Approach
+
+Report
+Field ID
+
+Not on
+Report
+
+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: Property Amenities
+
+This is an
+appraiser
+input that
+does not
+display in the
+sales grid
+
+N/A
+
+Always required
+
+Yes | No
+
+Subject Property
+Amenities
+•
+
+Property
+Amenities Exist
+14.000
+
+No
+
+Property Amenities Exist
+Indicates whether the property has amenities, excluding those
+attributable to the project, waterfront improvements, or site
+characteristics/view.
+
+22.12.01
+22.12.06
+
+Outdoor
+Accessories
+
+If relevant
+
+If applicable when the
+row is included in the
+sales comparison grid
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+Subject Property
+Amenities
+•
+
+Amenity Category
+14.001 is Outdoor
+Accessories
+Amenity Type
+14.002
+
+22.12.01
+22.12.06
+
+Outdoor
+Accessories
+
+If relevant
+
+If applicable for the
+indicated outdoor
+accessory amenity
+
+Number
+
+Subject Property
+Amenities
+•
+
+Amenity Count
+14.004
+
+22.12.02
+22.12.08
+
+Outdoor Living
+
+If relevant
+
+If applicable when the
+row is included in the
+sales comparison grid
+
+22.12.03
+22.12.10
+
+Water
+Features
+
+If relevant

chunks/txt/226141c6737900b14b19e47a0fbc74f4d088bd6f790e19ce1788bd925bb712cb.txt

@@ -0,0 +1,3 @@
+Appraiser .................................................................................................................................................................................................................... 50
+
+Supervisory Appraiser ................................................................................................................................................................................................ 50

chunks/txt/2268b986ead84c3228c7482d3c849c7143584c6b8b504475de3d5cdf820f43c2.txt

@@ -0,0 +1,8 @@
+---
+source_url: "https://singlefamily.fanniemae.com/"
+date_accessed: "2026-01-27T17:46:01.901Z"
+---
+
+[Skip to main content](#main-content)
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-T7L6LT]* ## FM Platform Nav

chunks/txt/226aefc022656e2f4f7f85487db280c772514cf02aecc9cd9b99c45e28eac454.txt

@@ -0,0 +1,150 @@
+3.000
+
+26.007
+
+26.074
+
+26.013
+
+26.011
+
+2.000
+
+2.001
+
+2.003
+
+20.004
+
+19.002
+
+26.009
+
+2.004
+
+2.017
+
+Subject
+
+Reconciliation
+
+Display (Cooperative Interest) when it is displayed in Reconciliation.
+
+Reconciliation
+
+Reconciliation
+
+Assignment Information
+
+Assignment Information
+
+Assignment Information
+
+Sales Contract | Reconciliation
+
+Subject Listing information
+−
+for most recent listing
+
+Reconciliation
+
+Assignment Information
+
+Assignment Information
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Example:
+
+In Figure 1 - 1, the Summary section redisplays Opinion of Market Value, Effective Date of Appraisal, and Market Value Condition from the
+Reconciliation section of the report.
+
+Page 70
+
+Figure 1 - 1
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Property Description
+
+The Property Description subsection always displays.
+
+Page 71
+
+Report
+Field ID
+
+Report Label
+
+1.012
+
+Construction Method
+
+Summary: Property Description
+
+Source
+Field ID
+
+8.011
+
+Original Section
+
+Dwelling Exterior – display all unique values for each occurrence of
+ConstructionMethodType when ImprovementType = “Dwelling”
+If there are multiple unique construction methods, display as stacked on a
+separate line.
+
+1.013
+
+Attachment Type
+
+3.004
+
+Subject Property
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 72
+
+Original Section
+
+Summary: Property Description
+
+Report
+Field ID
+
+Report Label
+
+1.014
+
+Structure Design
+
+1.015
+
+Planned Unit Development (PUD)
+
+1.016
+
+Condominium
+
+1.017
+
+Cooperative
+
+1.018
+
+Condop
+
+1.019
+
+Observed Project Deficiencies
+
+1.020
+
+Subject Site Owned in Common
+
+1.021
+
+Units Excluding ADUs
+
+1.022

chunks/txt/2280036104fef74eac497e5fa7ce0c4c093c985dddad716219272bbe00156c1b.txt

@@ -0,0 +1,375 @@
+Dwelling
+
+1992
+
+false
+
+Standard Dry Wall | Vaulted
+
+WallsAndCeiling
+
+Flooring
+
+NotUpdated
+
+728
+
+0
+
+false
+
+2
+
+1
+
+0
+
+C4
+
+Q4
+
+Standard
+
+NotUpdated
+
+Unit 1
+
+Standard
+
+Kitchen
+
+NotUpdated
+
+Standard Dry Wall | Vaulted
+
+WallsAndCeiling
+
+Flooring
+
+NotUpdated
+
+728
+
+0
+
+false
+
+2
+
+1
+
+0
+
+C4
+
+Q4
+
+Standard
+
+NotUpdated
+
+Unit 2
+
+Standard
+
+Kitchen
+
+NotUpdated
+
+EngineeredWood
+
+ExteriorWallsAndTrim
+
+Slab
+
+Foundation
+
+true
+
+Metal
+
+TypicalWearAndTear
+
+Roof
+
+TypicalWearAndTear
+
+Windows
+
+C4
+
+Q4
+
+2
+
+Building 1
+
+None
+
+PropertyPhoto
+
+\\Images\2-4_Comp3.png
+
+image/png
+
+87
+
+257500
+
+SettledSale
+
+25.165174
+
+-51.328127
+
+Ocean Vista Park
+
+Deck
+
+Porch
+
+OutdoorLiving
+
+0
+
+Detached
+
+1
+
+true
+
+2
+
+C4
+
+Q4
+
+true
+
+true
+
+FeeSimple
+
+false
+
+false
+
+1456
+
+false
+
+MineralRights
+
+false
+
+false
+
+2019-03-20
+
+2019-05-30
+
+249750
+
+Sale
+
+NotDisclosed
+
+2018-11-01
+
+Sale
+
+EstateSale
+
+USGSLavaFlowZone
+
+Zone3
+
+false
+
+None
+
+Residential
+
+43560
+
+Full
+
+Residential
+
+Legal
+
+8275 Youngish St
+
+Surfside
+
+12345
+
+HI
+
+North
+
+1
+
+.4
+
+Dwelling
+
+864
+
+2
+
+1
+
+0
+
+C4
+
+Superior
+
+Most
+
+900
+
+Similar
+
+Similar
+
+Similar
+
+Similar
+
+Most
+
+925
+
+Similar
+
+Similar
+
+Similar
+
+1.07
+
+false
+
+2019-09
+
+No
+
+false
+
+false
+
+925
+
+PropertyPhoto
+
+\\Images\2-4_RC1.png
+
+image/png
+
+19.508
+
+-154.876
+
+Bay Hills
+
+false
+
+false
+
+false
+
+43560
+
+1337 Stone Back Blvd
+
+Surfside
+
+12345
+
+HI
+
+SouthEast
+
+2
+
+.4
+
+Dwelling
+
+820
+
+2
+
+1
+
+0
+
+C4
+
+Superior
+
+Less
+
+800
+
+Similar
+
+Similar
+
+Similar
+
+0.98
+
+false
+
+2019-08
+
+No
+
+false
+
+false
+
+800
+
+PropertyPhoto
+
+\\Images\2-4_RC2.png
+
+image/png
+
+19.498
+
+-154.866
+
+Hillview
+
+false
+
+false
+
+false
+
+8250
+
+420 Long Ear Ave
+
+Surfside
+
+12345
+
+HI
+
+West
+
+3
+
+1
+
+Dwelling
+
+1056
+
+3

chunks/txt/22819efc4f06ed82d25931f3c58d2978efd07e5929aef84b86ba449666ca005b.txt

@@ -0,0 +1,100 @@
+Number of separate living units on the subject property, not counting any
+ADUs. ADUs are entered in a separate field (3.006) but are considered in the
+overall unit count.
+Examples:
+•
+
+A single-family property (with or without an ADU) is reported as 1 unit in
+this field.
+A three-unit property (with or without an ADU) is reported as 3 units in
+this field.
+
+•
+
+Number of ADUs on Subject Property
+Notes:
+•
+•
+
+Enter zero (0) if there are no ADUs on the property.
+ADUs may be in the dwelling, attached to the dwelling, or associated with
+a separate building (outbuilding).
+
+Unit is an ADU: Indicates whether the unit is considered an accessory dwelling
+unit.
+Notes:
+•
+
+If Number of ADUs on Subject Property 3.006 is zero, this question does
+not display.
+If Number of ADUs on Subject Property is 1 or more, this question displays
+in each instance of Unit Interior to identify which unit is the ADU.
+
+Defining the Property (PUD, Project, and Site Owned in Common)
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Report
+Field ID
+
+3.010
+
+Always required
+
+Yes | No
+
+Planned Unit
+Development
+(PUD)
+
+3.011
+3.012
+3.013
+
+3.011
+3.012
+3.013
+
+3.015
+
+Condominium
+Cooperative
+Condop
+
+Condominium
+Cooperative
+Condop
+
+Subject Site
+Owned in
+Common
+
+Always required
+
+Yes | No
+
+Required if Property in
+a Project is Yes
+
+Condominium,
+Cooperative, or
+Condop
+
+Always required
+
+Yes | No
+
+Property in a PUD
+Indicates whether the property is in a PUD. A PUD is a subdivision that consists
+of common property and improvements that are owned and maintained by a
+homeowners association (HOA) for the benefit and use of the individual PUD
+unit owners. A unit owner in the PUD has title to a residential property (parcel
+and dwelling) and an interest in the HOA that owns or manages the common
+areas and facilities of the PUD.

chunks/txt/22b41e8eb7b5cc7fed5bd627e9d60353b5e3bf56c4106c6634bd49e3afbf21ac.txt

@@ -0,0 +1,192 @@
+Data Field
+Conditionality 1004/70
+
+Data Field
+Conditionality 1004
+Hybrid/70H
+
+Data Field
+Conditionality 1004
+Desktop/70D
+
+155
+
+156
+
+157
+
+158
+
+159
+
+160
+
+161
+
+162
+
+163
+
+164
+
+165
+
+166
+
+167
+
+168
+
+169
+
+170
+
+171
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+148
+
+IMPROVEMENTS
+
+150
+
+IMPROVEMENTS
+
+151
+
+IMPROVEMENTS
+
+Foundation
+Evidence of
+Infestation
+
+Foundation
+Dampness
+
+Foundation
+Settlement
+
+Foundation
+Condition Exists
+Indicator
+Foundation
+Condition Exists
+Indicator
+Foundation
+Condition Exists
+Indicator
+
+Indicates that the property does have
+the condition specified in Foundation
+Condition Type.
+Indicates that the property does have
+the condition specified in Foundation
+Condition Type.
+Indicates that the property does have
+the condition specified in Foundation
+Condition Type.
+
+152
+
+IMPROVEMENTS
+
+Exterior Description
+Foundation Walls
+
+Exterior Feature
+Description
+
+A free-form text field used to describe
+the exterior feature.
+
+153
+
+IMPROVEMENTS
+
+Exterior Description
+Exterior Walls
+
+Exterior Feature
+Description
+
+A free-form text field used to describe
+the exterior feature.
+
+154
+
+IMPROVEMENTS
+
+Exterior Description
+Roof Surface
+
+Exterior Feature
+Description
+
+A free-form text field used to describe
+the exterior feature.
+
+155
+
+IMPROVEMENTS
+
+Exterior Description
+Gutters and Downspouts
+
+Exterior Feature
+Description
+
+A free-form text field used to describe
+the exterior feature.
+
+156
+
+IMPROVEMENTS
+
+Exterior Description
+Window Type
+
+Exterior Feature
+Description
+
+A free-form text field used to describe
+the exterior feature.
+
+157
+
+IMPROVEMENTS
+
+Exterior Description
+Storm Sash/Insulated

chunks/txt/22c23d4b9b9feb98d6dd9ced9fcf6b534a8e0559275fd975104c6fef8cc1c0e3.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
+
+# Public Input
+
+**Instructions on use of the form:** To submit your input on an open topic, please select a topic upon which you wish to comment from the table below. Enter information in fields, upload any files you wish to submit and then, when finished, click "submit" at the bottom of the page to transmit your submission.
+
+FHFA invites input on all aspects of the RFI. Submissions will be posted to FHFA’s public website, except as described below.

chunks/txt/22c4a2c3f1c42f18a01f0f9162155e935b64b16221b872804666229f97752b93.txt

@@ -0,0 +1,149 @@
+4.1.2 YES
+
+4.1.3 • Can go as high as $220,000.
+
+• Can increase until year 4.
+
+Figure 33. Loan Amount Can Increase
+
+Table 46. Loan Amount Can Increase
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0
+Data Point
+
+MISMO v3.3.0
+Value
+
+Notes
+
+4.1.3
+
+Can this amount
+increase…?
+(YES-Potentially
+Narrative)
+
+…/LOAN_DETAIL
+
+NegativeAmortiza
+tionType
+
+PotentialNegativ
+eAmortization
+
+ROF as “Can go…” /
+“Can increase…”
+
+4.0 Loan Terms
+
+4.0
+
+Can this amount increase after closing?
+
+4.1 Loan Amount
+
+4.1.1 $162,000
+
+4.1.2 YES
+
+4.1.3 • Goes as high as $220,000.
+
+• Increases until year 4.
+
+Appendix E: UCD Implementation Guide
+
+Page 62 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+4.0 Loan Terms
+
+Figure 34. Loan Amount Will Increase
+
+Table 47. Loan Amount Will Increase
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0
+Data
+Point/Attribute
+
+MISMO v3.3.0
+Value
+
+Notes
+
+4.1.3
+
+Can this amount
+increase…?
+(YES-Scheduled
+Narrative)
+
+…/LOAN_DETAIL
+
+NegativeAmortizat
+ionType
+
+ScheduledNegati
+veAmortization
+
+ROF as “Goes” /
+“Increases”
+
+4. 1. 3 LOAN AMOUNT I NCREASE TERMS
+
+The duration of the loan term for which the amount may/will increase and the maximum increase allowable also
+must be provided, as illustrated by the second bullet in Figure 33, Figure 34 and in Table 48.
+
+Table 48. Loan Amount Increase Duration
+
+ID
+
+4.1.3
+
+4.1.3
+
+Form Field
+Name
+
+Goes as high as
+$n.
+
+Increases until
+year n.
+
+MISMO v3.3.0 Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0
+Value
+
+Notes
+
+…/LOAN/NEGATIVE_AM
+ORTIZATION/NEGATIVE_
+AMORTIZATION_RULE
+
+NegativeAmortization
+LimitMonthsCount
+
+48
+
+ROF as “year 4”

chunks/txt/22d514e061dc563838975e253887c055373d6d75f6d8eaaba556f4b759f0340e.txt

@@ -0,0 +1,25 @@
+Author: ​Jay Schultz​​​ In establishing benchmarks for the 2015, 2016, and 2017 single-family mortgage housing goals for Fannie Mae and Freddie Mac (the Enterprises), the Federal Housing Finance Agency (FHFA) is required to measure the size of the mortgage market. This paper documents the...
+ - Briefs, Notes & White Papers
+
+July 31, 2014
+
+## [FHFA Brief 14-2: First-Time Homebuyer Share and House Price Growth](/research/papers/fhfa-brief-14-2-first-time-homebuyer-share-and-house-price-growth)
+
+Author: ​Saty Patrabansh, Andrew Leventis, and Nayantara Hensel Abstract: This Brief provides historical, state-by-state statistics on the share of purchase-money mortgages for primary homes obtained by first-time homebuyers from 1996 to 2013. It also examines the relationship between first-time...
+ - Briefs, Notes & White Papers
+
+July 10, 2014
+
+## [FHFA Mortgage Analytics Platform (Version 1.0)](/research/papers/fhfa-mortgage-analytics-platform-version-1)
+
+Author: Robert M. Dunsky*, Xiaoming Zhou, Michael Kane, Ming Chow, Charles Hu, Andrew Varrieur * Lead Author Background & Introduction The Federal Housing Finance Agency (FHFA) maintains a proprietary Mortgage Analytics Platform to support the Agency’s strategic plan. The objective of this white...
+ - [1](?category%5B176%5D=176&page=0)
+ - [2](?category%5B176%5D=176&page=1)
+ - [3](?category%5B176%5D=176&page=2)
+ - [4](?category%5B176%5D=176&page=3)
+ - [5](?category%5B176%5D=176&page=4)
+ - [6](?category%5B176%5D=176&page=5)
+ - [7](?category%5B176%5D=176&page=6)
+ - [8](?category%5B176%5D=176&page=7)
+ - [Next](?category%5B176%5D=176&page=1)
+ - [Last](?category%5B176%5D=176&page=7)

chunks/txt/22e2be1b700d7107e5608e28134fc3edc4cd93f14a7f786bb9ee782b3e9a29ed.txt

@@ -0,0 +1,118 @@
+Information About Each Defect, Damage, or Deficiency
+
+Apparent Defects, Damages, Deficiencies (Site)
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+4.100
+
+Feature
+
+Required for each
+defect, damage, or
+deficiency
+
+Allowable
+Answers / Format
+
+Other (Describe)
+
+Definition / Additional Guidance
+
+Notes:
+•
+
+•
+
+For the Site section, choose Other and briefly describe the feature with
+the defect, damage, or deficiency.
+Photos or images must be provided for each physical defect, damage, or
+deficiency. These display in Site Exhibits as “Apparent Defects, Damages,
+Deficiencies” with the indicated Feature. An additional caption may be
+provided.
+
+4.101
+
+Location
+
+4.102
+
+Description
+
+4.103
+
+Affects
+Soundness or
+Structural
+Integrity
+
+Required for each
+defect, damage, or
+deficiency
+
+Required for each
+defect, damage, or
+deficiency
+
+Required for each
+defect, damage, or
+deficiency
+
+Other (Describe)
+
+For the Site 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.
+
+Appendix F-1: URAR Reference Guide
+
+Page 80 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+04 Site
+
+Apparent Defects, Damages, Deficiencies (Site)
+
+Report
+Field ID
+
+4.104
+
+Report Label
+
+When to Include
+
+Recommended
+Action
+
+Required for each
+defect, damage, or
+deficiency
+
+Allowable
+Answers / Format
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+Definition / Additional Guidance

chunks/txt/22f48e4c051fe63f2dde924712f8f255e5a916ceaad946c6182385db4802c572.txt

@@ -0,0 +1,106 @@
+Closing Disclosure Mortgage Loan Transaction Closing Disclosure
+
+DU
+
+ETI&A
+
+Form Field ID
+
+Desktop Underwriter
+
+Estimated Taxes, Insurance and Assessments
+
+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. Not included in the
+Regulation.
+
+Form Field Name
+
+A Closing Disclosure form label, identifying the data that should be provided.
+
+Form Field Value
+
+The data that is disclosed on the Closing Disclosure next to the Form Field Name. Also
+referred to as disclosed or provided data.
+
+GEM
+
+Growing Equity Mortgage
+
+General Use Data MISMO v3.3.0 structures and data points that have been defined by MISMO standards
+
+developers to support commonly understood industry practice and usage.
+
+GPM
+
+The GSEs
+
+LPA
+
+MERS
+
+MI
+
+MIN
+
+Graduated Payment Mortgage
+
+Fannie Mae and Freddie Mac (Government-Sponsored Enterprises)
+
+Loan Product Advisor
+
+Mortgage Electronic Registration System
+
+Mortgage insurance or any functional equivalent
+
+Mortgage Identification Number. A unique 18–digit number assigned to loans registered
+with MERS
+
+Appendix E: UCD Implementation Guide
+
+Page 251 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+VI. Glossary
+
+Term
+
+Definition
+
+MISMO LDD
+
+MISMO Logical Data Dictionary
+
+MISMO
+
+Mortgage Industry Standards Maintenance Organization
+
+MISMO v3.3.0
+
+MISMO Version 3.3.0.0 Reference Model Build 299
+
+MISMO v3.3.0
+Reference Model /
+Structures
+
+n
+
+P&I
+
+Provided Data
+
+QM
+
+The Regulation
+
+Reg Z
+
+RESPA
+
+ROF
+
+The hierarchical organization of XML elements (containers and data points) providing an
+entity-relationship model of the mortgage life cycle.

chunks/txt/230b12654d7aa47fa9694ae616642fa0899fe6f9ba04985caa60f320aec40441.txt

@@ -0,0 +1,101 @@
+Description of the original defect, damage, or deficiency, including details as to
+location if needed.
+•
+
+For properties with more than one unit, indicate in Description which unit
+has the repair item.
+For properties with multiple dwellings, indicate in Description which
+building has the repair item.
+For outbuildings, indicate in Description the Outbuilding Type that has the
+repair item.
+
+•
+
+•
+
+03.004 Affects
+
+Soundness or
+Structural
+Integrity
+
+Required for each
+repair item
+
+Yes | No
+
+Indicates whether the defect, damage, or deficiency noted in the original
+appraisal report affected the soundness and / or structural integrity of the
+improvement.
+
+03.005 Repair
+
+Completed
+
+Required for each
+repair item
+
+Yes | No
+
+Indicates whether the repair to the defect, damage, or deficiency was
+completed.
+
+03.006
+
+Inspection Date Required for each
+
+mm/dd/yyyy
+
+The date of the inspection for the individual repair.
+
+repair item
+
+Appendix F-3: Completion Report Reference Guide
+
+Page 14 of 33
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+03 Itemized List of Repairs
+
+Completion Report - Itemized List of Repairs
+
+Report
+Field ID
+
+03.007
+
+Report Label
+
+When to Include
+
+Completion
+Comment
+
+Required for each
+repair item when
+Repair Completed is
+No, or if relevant
+
+Allowable
+Answers / Format
+
+Free-form
+
+Definition / Additional Guidance
+
+Brief description of the completion status of the individual repair.
+Note: For further expansion of commentary, use Completion Report
+Commentary (06.001).
+
+Appendix F-3: Completion Report Reference Guide
+
+Page 15 of 33
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+04 New Observed Items for Repair

chunks/txt/23113ea78bee57754bf0b7e1ad9e370a1544748859b5ba078dae324cca2dc2eb.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](/)
+ - [Mortgage Translations](/mortgage-translations)
+ - Interpretive Services
+
+# Interpretive Services
+
+Becoming a homeowner and understanding the mortgage process can be challenging in any language. If you are looking to speak with someone in your preferred language about the mortgage process, mortgage documents, loan payments, staying in your home, or avoiding scams or fraud, there are resources available for you. Whether it is a live interpretation service or a counselor who speaks your language, free-to-use interpretive services are here to help.

chunks/txt/23170bbe74f7e3e8cfba5ca85ed6f7658ffcd8c0d72ca2f40af9ca82634f168d.txt

@@ -0,0 +1,41 @@
+High LTV Refinance – Alternative Qualification Path
+Used to identify a refinance of an existing Fannie Mae loan that meets the requirements of
+the high LTV refinance option that is manually underwritten in accordance with the
+Alternative Qualification Path. This SFC is used in conjunction with SFC 007 (Limited Cash-
+out Refinance).
+(Acquisition of high LTV refinance loans is suspended)
+
+Student Loan Cash-Out Refinance
+Used to identify loans where borrower’s equity in the property is utilized to payoff student debt
+as part of a cash-out refinance transaction.
+MH Advantage®
+Used to identify a loan secured by a property that meets the MH Advantage requirements in
+the Selling Guide (which recognizes homes identified by sticker as eligible for Freddie Mac’s
+CHOICEHome® program as equivalent to those identified with an MH Advantage® sticker). If
+the home is a single-width manufactured home, include both SFC 791 (Single-width
+Manufactured Home) and SFC 235 (Manufactured Home).
+
+861
+
+Both
+
+Remote Notarization
+Used to identify any loan in which the notarization of the security instrument or amendment to
+the security instrument is conducted using of audio-visual technology in which the borrower
+and notary are not in the same physical location and the notarization is an electronic
+notarization.
+Delivery is optional – code is auto-derived
+
+868
+
+871
+
+Both
+
+Both
+
+RefiNow™
+Used to identify loans originated in accordance with the eligibility requirements for RefiNow.
+HomePath LLPA Credit (HomePath Loan-level Price Adjustment Credit)
+Used to apply the applicable LLPA credit to the lender for a loan secured by a HomePath
+property when an appraisal is obtained (and other criteria is met per the Selling Guide).

chunks/txt/231cc9bf6a52d36939f2d0d1a8ca56e97df2e971d8cced2a3b45c8e9610ef22a.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
+
+# Collateral Pledged to FHLBanks
+
+## Breadcrumb
+
+- [Home](/)
+ - [Reports](/reports)
+ - Collateral Pledged To FHLBanks
+
+Congress established the Federal Home Loan Bank System (System) under the Federal Home Loan Bank Act of 1932 (the Bank Act). The primary business of the Federal Home Loan Banks (FHLBanks) is to make fully secured, low-cost loans, known as advances, to their members.1,2 Consistent with the provisions of the Bank Act, the FHLBanks require their members to pledge collateral in the form of mortgages and other eligible assets to secure their advances and other collateralized products offered by the FHLBanks to their members.3 The Housing and Economic Recovery Act of 2008 (HERA) requires the Federal Housing Finance Agency (FHFA) to submit an annual report to Congress on the collateral pledged to the FHLBanks, including an analysis of collateral by type and by FHLBank district.4 FHFA’s Report on Collateral Pledged to Federal Home Loan Banks provides the required information as well as additional analysis of data on the types and amounts of collateral pledged to the FHLBanks to secure advances and other collateralized products offered by the FHLBanks to their members.

chunks/txt/2336525cd4715ffbcbb0f9de8ecf4f295a63199e20440f59b495c537431fe9da.txt

@@ -0,0 +1,92 @@
+Required when the
+row is included in the
+sales comparison grid
+
+Free-form
+
+22.09.16
+22.09.30
+
+[Other Interior
+Feature]
+22.09.15
+Other Interior
+Feature
+Description
+10.044
+populates
+from Unit
+Interior
+
+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
+
+Unit Interior
+•
+
+Interior Feature
+Other Description
+10.044 (Report
+Label)
+
+Other Interior Feature
+Condition Summary
+22.09.16 does not
+populate from Unit
+Interior; the appraiser
+must enter information
+for the subject property
+
+•
+Fully Updated
+•
+Significantly Updated
+• Moderately Updated
+•
+Not Updated
+
+Walls and Ceiling Condition Summary: A short description summarizing
+the overall condition of the walls and ceilings in the unit.
+
+If needed to support the condition rating, additional rows may be
+included for any features not predefined that were added to the Interior
+Features table in the Unit Interior section.
+
+Example: Other Interior Feature Example in Unit Interior and Sales
+Comparison Approach
+
+Other Interior Feature Condition Summary: A short description
+summarizing the condition of the additional feature.
+
+Notes:
+•
+•
+
+If the feature does not exist for the comparable, enter “None”.
+If the comparable has an interior feature that the subject does not
+have, report as an Additional Row in the Unit(s) subsection
+(22.07.15) and not here.
+
+Appendix F-1: URAR Reference Guide
+
+Page 258 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+22 Sales Comparison Approach
+
+ADU Interior Quality and Condition

chunks/txt/233e8c64443321c10982ecae25847138bfd9e4f44984ab12e929a7fc203b298c.txt

@@ -0,0 +1,43 @@
+Co-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
+8 -- No Co-borrower
+
+Home Ownership and Equity Protection Act (HOEPA) Status
+1 – Subject to HOEPA
+2- Not subject to HOEPA
+
+Lien Status
+1 – Secured by first lien
+2 – Secured by a subordinate lien
+3 – Not secured by a lien
+4 – Not Applicable (ie purchased loans)
+
+Special Housing Goals Loan
+1 – Yes
+2 – No
+
+Federal Financial Stability Plan
+1 – Yes
+2 – No
+
+Acquisition Type
+1 - Cash
+2 - SWAP
+3 - Other
+4 - Credit Enhancement
+5 - Bond or Debt Purchase
+6 - REMIC
+7 - Reinsurance
+8 - Risk Sharing
+9 - REIT
+
+GSE Real Estate Owned
+1 – Yes
+2 – No
+
+Page 5 of 5

chunks/txt/23535dd93da0b5d3bf1886957d38fb3b9a7a139978ce81b9575e4b9897513041.txt

@@ -0,0 +1,57 @@
+to "0"
+
+1. Cash From Borrower At
+
+Closing Amount does not exist
+2. Must be greater than or equal
+
+to "0"
+
+1. Loan Purpose Type =
+Purchase AND Total
+Due From Borrower at
+Closing (K) > Total
+Paid Already By or on
+Behalf of Borrower at
+Closing (L) OR
+
+2. Loan Purpose Type =
+“Refinance” AND
+Loan Amount < Total
+Closing Costs (J) +
+Total Closing Cost
+Paid Before Closing +
+Total Payoffs and
+Payments (K)
+
+1. Loan Purpose Type =
+“Purchase” AND Total
+Due From Borrower at
+Closing (K) < Total
+Paid Already By or on
+Behalf of Borrower at
+Closing (L) OR
+
+2. Loan Purpose Type =
+“Refinance” AND
+Loan Amount >Total
+Closing Costs (J) +
+Total Closing Cost
+Paid Before Closing +
+Total Payoffs and
+Payments (K)
+
+Additional Information
+
+Should you require assistance, please contact your account representative or submit your questions to
+our UCD mailboxes: UCD@FreddieMac.com and UCD@FannieMae.com. For more information on
+UCD, visit the Freddie Mac UCD page or Fannie Mae UCD page.
+
+© 2022 Freddie Mac and Fannie Mae. Trademarks are property of their respective owners.
+
+Confidential
+
+Fannie Mae Confidential
+
+This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by
+Fannie Mae and Freddie Mac at the direction of the Federal Housing Finance Agency.

chunks/txt/236cb87307a2c849469a23fe3fe8275c0205af6b1c98cd57c3a57e1af8765119.txt

@@ -0,0 +1,118 @@
+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
+
+•
+
+Cost Approach
+
+o Land Comparables
+
+▪
+
+Subject’s prior land sale was used as a comparable
+
+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 ANYWHERE ST, SOMECITY, TN 12345
+
+SUMMARY
+
+Opinion of Market Value
+
+$275,000
+
+Market Value Condition
+
+As Is
+
++.5 li #
+
+only in
+
+Summary
+
+Effective Date of Appraisal
+Assignment Reason
+Borrower Name
+
+Current Owner of Public Record
+
+Listing Status
+
+Property Description
+
+Construction Method
+
+Attachment Type
+
+03/14/2022
+Refinance
+John Doe
+Jane Doe
+John Doe
+Jane Doe
+None
+
+Manufactured
+Site Built
+Detached
+
+Property Valuation Method
+Appraiser Name
+
+Traditional Appraisal
+Annie Appraiser
+
+Overall Quality
+Overall Condition
+
+Q3
+C2
+
+Yes No
+ 
+ 
+ 
+ 
+ 
+
+Yes No
+ 
+
+Planned Unit Development (PUD)
+Condominium
+Cooperative
+Condop
+Subject Site Owned in Common
+
+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?
+
+Legal
+Zoning Compliance
+HUD Data Plate Attached
+Yes
+HUD Label Present for All Sections Yes

chunks/txt/236d8686d2ca1bc45c5cc20998f52a0d5700f32374afd1b39f301484b62b65fb.txt

@@ -0,0 +1,44 @@
+Outbuilding Subsection
+
+For the subject property, the Outbuilding Type and relevant dynamic rows (e.g., unfinished area) populate from
+the Outbuilding section.
+• Adjustments for the comparables are made in a “lump sum” that includes consideration of the outbuilding
+
+and its associated square footage and amenities.
+
+• Adjustments for the 400 sq. ft. garage portion are made in the Vehicle Storage subsection and are not
+
+included in the Outbuilding subsection adjustments.
+
+• Adjustments for the ADU’s finished area, bedrooms and bathrooms are made in the Unit(s) subsection and
+
+are not included in the Outbuilding subsection adjustments.
+
+In this example:
+• A dynamic row was utilized to account for the remaining workshop area.
+• Comparable #1 does not have a corresponding outbuilding, and the detached garage does not have any
+
+additional separate area, so it is not reported as an outbuilding, and therefore “dashes” display.
+
+• The adjustment for Comparable # 1 reflects the marketability of the additional 500 sq. ft. of unfinished area.
+
+Cost Approach (Depreciated Cost - Outbuilding)
+
+If the Cost Approach is included in the appraisal, the depreciated cost of the outbuilding is reported in the
+Depreciated Cost – Outbuilding subsection. The entire finished and unfinished area of the outbuilding is
+reported here, including the garage. In this example, Area Type for the garage is Garage.
+
+Appendix F-1: URAR Reference Guide
+
+Page 373 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Appendix 4: Detached Garage Examples
+
+Example 5: Oversized Detached Garage (No Dividing Wall)
+
+In this example, the subject has a 500 sq. ft. detached garage that includes 100 sq. ft. of extra unfinished area
+with no separation of the area.

chunks/txt/236e3a19b05530e889fba187f33030cd8efb3132903b9c48e36e5a2571006f4d.txt

@@ -0,0 +1,103 @@
+22-1713 Broad Ave
+Surfside, HI 12345
+
+$160,000
+
+$160,000
+
+$279,000
+
+—
+
+$279,000
+
+$(84,200)
+
+$94,900
+
+$47,450
+
+$100
+
+$194,800
+
+Less
+
+$210,000
+
+—
+
+$200,500
+
+$(4,600)
+
+$95,450
+
+$38,180
+
+$156
+
+$195,900
+
+Most
+
+$257,500
+
+—
+
+$249,750
+
+$(50,500)
+
+$101,000
+
+$50,500
+
+$172
+
+$199,250
+
+Less
+
+Indicated Value by Sales Comparison Approach
+
+Indicated Value
+
+$195,000
+
+Reconciliation of Sales Comparison Approach
+
+Comparables #1 and 2 are similar in function and utility as they are both two unit, two building properties and adjust towards the lower end
+of the range. Hazard zone adjustment is based on market adjustment for differences between location in USGS Lava Flow Zones 2 and 3.
+Ranges for price per unit and bedroom count are supportive of the value estimate. Comparable #2 has the least gross adjustments in the sales
+comparison approach, is the most similar in style, quality and condition, and is given most weight.
+
+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 18 of 29
+Page 18 of 29
+
+Sales Comparison Approach (continued)
+
+Sales Comparison Map
+
+This is where the Sales Comparable Map 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 19 of 29
+Page 19 of 29
+
+Sales Comparison Approach (continued)
+
+Sales Comparison Approach Exhibits
+
+Comparable #1
+
+Comparable #2
+
+This is where the Comparable 1 photo would display.

chunks/txt/238f0b4449575076cc9085f5cf9e6524969642d5ca8fac4f23faf50196ae4102.txt

@@ -0,0 +1,221 @@
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/@A
+djustedSalesPriceAmount
+
+12
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/RESEARCH[@SalesHistoryResearchedIndicator=‘Y’]
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/RESEARCH[@SalesHistoryResearchedIndicator=‘N’]
+
+1
+
+1
+
+Boolean
+
+Boolean
+
+One and only one of fields 2-105, 2-106 (values
+of Sales History Researched Indicator) should
+be indicated.
+One and only one of fields 2-105, 2-106 (values
+of Sales History Researched Indicator) should
+be indicated.
+
+CR
+
+T
+
+CR
+
+T
+
+CR
+
+T
+
+T
+
+R
+
+T
+
+T
+
+T
+
+T
+
+T
+
+Form FNM 2055 FRE 2055
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 200 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
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+353
+
+354
+
+355
+
+356
+
+357
+
+358
+
+359
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+107
+
+108
+
+109
+
+110
+
+111
+
+112
+
+113
+
+360
+
+2
+
+114
+
+361
+
+362
+
+2
+
+2
+
+115
+
+116
+
+363
+
+2
+
+117
+
+364
+
+2
+
+118
+
+I did not research the sale or
+transfer history of the subject
+property and comparable sales.
+If not, explain.
+My research did reveal any prior
+sales or transfers of the subject
+property for the three years prior
+to the effective date of this
+appraisal.
+My research did not reveal any
+prior sales or transfers of the
+subject property for the three
+years prior to the effective date of
+this appraisal.

chunks/txt/239293c97cbae362e7d713c1049b30fb5d6118e2a5efca214fd0b8cc97fcadd1.txt

@@ -0,0 +1,106 @@
+Format
+
+Implementation Notes
+
+Conditionality Description
+
+Data Field
+Conditionality
+1073/465
+
+Data Field
+Conditionality 1073
+Hybrid/465H
+
+Data Field
+Conditionality 1073
+Desktop/465D
+
+422
+
+3
+
+e-17
+
+SALES
+COMPARISON
+APPROACH
+
+Actual Age
+
+423
+
+424
+
+3
+
+3
+
+83
+
+84
+
+SALES
+COMPARISON
+APPROACH
+
+Actual Age
+
+SALES
+COMPARISON
+APPROACH
+
+Actual Age Adjustment
+
+GSE Age
+Estimation
+Indicator
+
+Sale Price
+Adjustment
+Description
+
+Sale Price
+Adjustment
+Amount
+
+Indicates whether the age of the property
+is estimated.
+
+/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/@GSEAgeEstimationIndicator
+
+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=‘Age’]/@_Description
+
+1
+
+3
+
+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=‘Age’]/@_Amount
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+This field indicates whether the actual age is estimated.
+
+Boolean
+
+PDF Display Format:
+If 'Y' then display a tilde (~) before the value entered.
+If 'N' then display nothing.

chunks/txt/239d5dad0e7cc7eab9bc7ae3d7b0b25b7037ec1ddba17b3439b5cf5474bc8f59.txt

@@ -0,0 +1,119 @@
+ Type of concurrent
+secondary financing
+ Balance of concurrent
+secondary financing
+
+LoanStateDate = Date
+data retrieved from
+submitter’s system
+
+H. Container-Specific Concepts: Adjustment
+
+The ADJUSTMENT container within LOAN, which holds child containers and data points
+that fully describe how the rate or payment structure of a loan can change, has several
+unique characteristics. The containers used in ULDDS Appendix A are shown in the
+white boxes.
+
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 42 of 76
+
+Section IV. Using the MISMO V3.0 Reference Model
+
+Example IV-6. ADJUSTMENT Containers.
+
+CONVERSION
+ADJUSTMENT
+
+I NTEREST RATE
+ADJUSTMENT
+
+PRINCIPALAND
+I NTEREST PAYMENT
+ADJUSTMENT
+
+ADJUSTMENT
+
+Legend:
+
+Used in ULDD
+For Future Use
+
+RATE OR PAYMENT
+CHANGE
+OCCURRENCES
+
+CONVERSION
+ADJUSTMENTLIFETIME
+ADJUSTMENTRULE
+
+CONVERSIONOPTION
+PERIODADJUSTMENT
+RULES
+
+C ONVERSIONO PTION
+P ERIODADJUSTMENT
+R ULE
+
+INDEXRULES
+
+I NDEXR ULE
+
+INDEXRULES
+
+I NDEXR ULE
+
+INTEREST RATE
+LIFETIME ADJUSTMENT
+RULE
+
+INTEREST RATEPER
+CHANGEADJUSTMENT
+RULES
+
+INTEREST RATE
+PERIODIC ADJUSTMENT
+RULES
+
+INTEREST RATEP ER
+C HANGEADJUSTMENT
+R ULE
+
+I NTEREST R ATE
+PERIODICADJUSTMENT
+R ULE
+
+INDEXRULES
+
+I NDEXR ULE
+
+PRINCIPALAND
+INTEREST ADJUSTMENT
+L IMITED PAYMENT
+O PTION
+
+PRINCIPALAND
+I NTEREST PAYMENT
+PER CHANGE
+ADJUSTMENTRULE
+PRINCIPALAND
+I NTEREST PAYMENT
+PERIODICADJUSTMENT
+R ULE
+
+PRINCIPALAND
+INTEREST ADJUSTMENT
+LIMITEDPAYMENT
+OPTIONS
+
+PRINCIPALAND
+INTEREST PAYMENT
+LIFETIME ADJUSTMENT
+RULE
+
+PRINCIPALAND
+INTEREST PAYMENT
+PER CHANGE
+ADJUSTMENTRULES

chunks/txt/23a250f540ed314338f6ad533100e83327045eadd2a487f963caffe9f6ff8535.txt

@@ -0,0 +1,7 @@
+Enumeration Changes ............................................................................................................................. 6
+
+MI Company Name Change ................................................................................................................. 6
+
+Overview ......................................................................................................................................... 6
+
+Requirement .................................................................................................................................... 6

chunks/txt/23b365b9acccb79529d451f89c22d83299c050a844344e8025372c65541b2d42.txt

@@ -0,0 +1,74 @@
+Above Grade Room Count
+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_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL
+E_PRICE_ADJUSTMENT[@_Type=‘Other’ and
+@_TypeOtherDescription=‘RoomAboveGradeLine2’]/@_Amount
+
+2
+
+2
+
+5
+
+Numeric
+
+Numeric
+
+Numeric
+
+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 indicates whether the actual age is estimated.
+
+The sum of this field 2-69 and fields (2-53, 2-
+55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-67, 2-71, 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.
+
+Boolean
+
+PDF Display Format:
+If 'Y' then display a tilde (~) before the value entered.
+If 'N' then display nothing for Boolean response.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+Numeric, whole years only. Zero (0) is a valid value.
+
+String
+
+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
+This field indicates the overall condition of the property.
+
+Allowable Values
+ C1
+ C2
+ C3
+ C4
+ C5
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section