diff --git a/chunks/txt/216bfc72a84f41fad68bcb75f2410554ce9ef0964ec65fe1bee19b45d9e94e3f.txt b/chunks/txt/216bfc72a84f41fad68bcb75f2410554ce9ef0964ec65fe1bee19b45d9e94e3f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6ac3609ac4e6bf618cc7a4d7739819bc470d6ee9
--- /dev/null
+++ b/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
diff --git a/chunks/txt/21856ea0d1211affd7a8bcaab2e7476248f23c3e9163b705181ef8d77a1bd199.txt b/chunks/txt/21856ea0d1211affd7a8bcaab2e7476248f23c3e9163b705181ef8d77a1bd199.txt
new file mode 100644
index 0000000000000000000000000000000000000000..99771436b4039ef47b2ba18ad0b3c88aafa3ae2e
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/218dc775a0062fee8289ad5eb9467f3029c08edaeb49c0e77d41055c2693c5d4.txt b/chunks/txt/218dc775a0062fee8289ad5eb9467f3029c08edaeb49c0e77d41055c2693c5d4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..846ea50554101501653e44551716d6710a7c897c
--- /dev/null
+++ b/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)
diff --git a/chunks/txt/219e6ccbfc6fd74b0e53bfc13982e248ebe5d7e5b614393bb57590294dd727f2.txt b/chunks/txt/219e6ccbfc6fd74b0e53bfc13982e248ebe5d7e5b614393bb57590294dd727f2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ca0cfb864df785a3ed752b1890644c924d7e0479
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/21b1e1a0e4f1147560484c75e134ee337107c8f2607d90c0bb02183fa833c488.txt b/chunks/txt/21b1e1a0e4f1147560484c75e134ee337107c8f2607d90c0bb02183fa833c488.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6602363ad63ea5380856dff3817e576d98b544e8
--- /dev/null
+++ b/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
diff --git a/chunks/txt/21b97789c4230dfc988f20ac749f46678e76064ebd9aa405ba9214d65a949ea8.txt b/chunks/txt/21b97789c4230dfc988f20ac749f46678e76064ebd9aa405ba9214d65a949ea8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d1a586adbc12d8311b696043cc2eb6634eea64c4
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/21c0c8655bc4fc0b474ff48796f79c9ffc079df484273e63f56191b9580bb230.txt b/chunks/txt/21c0c8655bc4fc0b474ff48796f79c9ffc079df484273e63f56191b9580bb230.txt
new file mode 100644
index 0000000000000000000000000000000000000000..395adad1707ca67c5c4d920987396d8f9b370df2
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/21d81877377ecb9d430ca853d606e5c43d2120a5e3aa2da4f53542154977997c.txt b/chunks/txt/21d81877377ecb9d430ca853d606e5c43d2120a5e3aa2da4f53542154977997c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3034c8406a2ef8e99517041d42bedf2aac0cf576
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/21dbe467aa722e4ca23ab6a0cdb1caa8b720628fb58067291adcd2af70752916.txt b/chunks/txt/21dbe467aa722e4ca23ab6a0cdb1caa8b720628fb58067291adcd2af70752916.txt
new file mode 100644
index 0000000000000000000000000000000000000000..81b8759ab13af757540ba04ec94ccb4cc8b8d42f
--- /dev/null
+++ b/chunks/txt/21dbe467aa722e4ca23ab6a0cdb1caa8b720628fb58067291adcd2af70752916.txt
@@ -0,0 +1 @@
+© 2023 Fannie Mae 12.20.23 1 of 1
diff --git a/chunks/txt/21df107b1c92dd5f363fe15f788a5fca85b9c3392ded702da1aa1c12a0f672a0.txt b/chunks/txt/21df107b1c92dd5f363fe15f788a5fca85b9c3392ded702da1aa1c12a0f672a0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c6802157a608a43397a42deebf5cf06d6aeeed97
--- /dev/null
+++ b/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) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/21dfc6226b47968d601381f664b6b286fe460b500adb5d06aa95105090c61e70.txt b/chunks/txt/21dfc6226b47968d601381f664b6b286fe460b500adb5d06aa95105090c61e70.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f2989e50d6c580a8bafd5f43f16683534dcab4ec
--- /dev/null
+++ b/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
diff --git a/chunks/txt/21ed88149d56c9fa195c7167f75299b3e1e2ac16fe42b33f74e0011873b399db.txt b/chunks/txt/21ed88149d56c9fa195c7167f75299b3e1e2ac16fe42b33f74e0011873b399db.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2c2d119eff82c494a86f689e7f97efbc468f4171
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/21f1a70dbefa2276933b3ff4a58ab947d76b79b27593b516c013186d01042241.txt b/chunks/txt/21f1a70dbefa2276933b3ff4a58ab947d76b79b27593b516c013186d01042241.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f2111bbe30130c876efeb0bda296081ae55d57e4
--- /dev/null
+++ b/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) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/21f968d195f40ebda80163b22283057815cea4addf34a85d640d99a5e5885c90.txt b/chunks/txt/21f968d195f40ebda80163b22283057815cea4addf34a85d640d99a5e5885c90.txt
new file mode 100644
index 0000000000000000000000000000000000000000..71d769e0f1498e6b681b1f1469065faeed8b1e59
--- /dev/null
+++ b/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) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/21ff1fef2b8db01f522292ada050b6e7aa5603273af38ef29043861c588efaad.txt b/chunks/txt/21ff1fef2b8db01f522292ada050b6e7aa5603273af38ef29043861c588efaad.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e0291b7494c6c31e6e545587a11f6ec582d43726
--- /dev/null
+++ b/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
diff --git a/chunks/txt/21ff90009ec13f7eb60355e37845df495e1a364fcc43627f67510833a40c4343.txt b/chunks/txt/21ff90009ec13f7eb60355e37845df495e1a364fcc43627f67510833a40c4343.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f50e7e837e330c173a37669e57784530e2c4dd62
--- /dev/null
+++ b/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
diff --git a/chunks/txt/2201ba267515a08eb172bcc9cbafd35b8cc05607551bff4bbdd9005ae7c7365e.txt b/chunks/txt/2201ba267515a08eb172bcc9cbafd35b8cc05607551bff4bbdd9005ae7c7365e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a5473ca8cc48822d20d3b44de2ff186c1b561a5f
--- /dev/null
+++ b/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
diff --git a/chunks/txt/22190dd12f2e745095b9ea0750fc0f687f1c97df6168e2055d10a98dccab1671.txt b/chunks/txt/22190dd12f2e745095b9ea0750fc0f687f1c97df6168e2055d10a98dccab1671.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e358b89567ac3a8f12c354eead2d2d3993ca251f
--- /dev/null
+++ b/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
diff --git a/chunks/txt/221fd61f24cfebe0c0858b93e0bfe0f7bc6f759b5d6114da2c8785bb11276fd9.txt b/chunks/txt/221fd61f24cfebe0c0858b93e0bfe0f7bc6f759b5d6114da2c8785bb11276fd9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..efccc7171faa96a4ce715efd59f4276ebdc2f3f8
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/2234a0098422d4da2fc2f467c776e80331f6b2ab6a20f505809d98f208a8ba93.txt b/chunks/txt/2234a0098422d4da2fc2f467c776e80331f6b2ab6a20f505809d98f208a8ba93.txt
new file mode 100644
index 0000000000000000000000000000000000000000..379b93217845d9c5255683a728fbca6c777c95b0
--- /dev/null
+++ b/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
diff --git a/chunks/txt/22523f9393c6dcad27aa781f07bb1b269e07a0fb69ad4f0bfc878f1771f4817c.txt b/chunks/txt/22523f9393c6dcad27aa781f07bb1b269e07a0fb69ad4f0bfc878f1771f4817c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6eaa754ac8afb624982e003dea91da8ac37e9025
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/225474d50ddd4afa4ca839065ded00a2d974a58c03677c26f8ad3cf991041861.txt b/chunks/txt/225474d50ddd4afa4ca839065ded00a2d974a58c03677c26f8ad3cf991041861.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8491ac42d7a7fcd8f176b24f8c32a4079596931c
--- /dev/null
+++ b/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).
diff --git a/chunks/txt/2259a1fb790e55f20438a099795153a0e170c781e55ec6970f3113f13e1bede4.txt b/chunks/txt/2259a1fb790e55f20438a099795153a0e170c781e55ec6970f3113f13e1bede4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ec90b8937bd25dace1f46793179843565f09432b
--- /dev/null
+++ b/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) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/2259f8ccd0ebe8664a79cdfe965cc9b8892f7fa2ddea7a4aad93e0e5cecfdf16.txt b/chunks/txt/2259f8ccd0ebe8664a79cdfe965cc9b8892f7fa2ddea7a4aad93e0e5cecfdf16.txt
new file mode 100644
index 0000000000000000000000000000000000000000..12bab1a952b4a1f8403d8d19fa4b122c9bf6d10a
--- /dev/null
+++ b/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
diff --git a/chunks/txt/226141c6737900b14b19e47a0fbc74f4d088bd6f790e19ce1788bd925bb712cb.txt b/chunks/txt/226141c6737900b14b19e47a0fbc74f4d088bd6f790e19ce1788bd925bb712cb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1975ec328efc00f0e014c9127154d6288c57e0d3
--- /dev/null
+++ b/chunks/txt/226141c6737900b14b19e47a0fbc74f4d088bd6f790e19ce1788bd925bb712cb.txt
@@ -0,0 +1,3 @@
+Appraiser .................................................................................................................................................................................................................... 50
+
+Supervisory Appraiser ................................................................................................................................................................................................ 50
diff --git a/chunks/txt/2268b986ead84c3228c7482d3c849c7143584c6b8b504475de3d5cdf820f43c2.txt b/chunks/txt/2268b986ead84c3228c7482d3c849c7143584c6b8b504475de3d5cdf820f43c2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..057e95befa98713a2b881a966821e2e241198445
--- /dev/null
+++ b/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
diff --git a/chunks/txt/226aefc022656e2f4f7f85487db280c772514cf02aecc9cd9b99c45e28eac454.txt b/chunks/txt/226aefc022656e2f4f7f85487db280c772514cf02aecc9cd9b99c45e28eac454.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d80b854bbf8f11f6d6f220890fda78a03b974669
--- /dev/null
+++ b/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
diff --git a/chunks/txt/2280036104fef74eac497e5fa7ce0c4c093c985dddad716219272bbe00156c1b.txt b/chunks/txt/2280036104fef74eac497e5fa7ce0c4c093c985dddad716219272bbe00156c1b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4240b956520c3d347f6abdf5611adcb007d2094f
--- /dev/null
+++ b/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
diff --git a/chunks/txt/22819efc4f06ed82d25931f3c58d2978efd07e5929aef84b86ba449666ca005b.txt b/chunks/txt/22819efc4f06ed82d25931f3c58d2978efd07e5929aef84b86ba449666ca005b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e2e9d6a6aa8c7ef1005d81c0dae18455e0bca160
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/22b41e8eb7b5cc7fed5bd627e9d60353b5e3bf56c4106c6634bd49e3afbf21ac.txt b/chunks/txt/22b41e8eb7b5cc7fed5bd627e9d60353b5e3bf56c4106c6634bd49e3afbf21ac.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9cd7e9d4f8feb19001b923880db004094646f52a
--- /dev/null
+++ b/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
diff --git a/chunks/txt/22c23d4b9b9feb98d6dd9ced9fcf6b534a8e0559275fd975104c6fef8cc1c0e3.txt b/chunks/txt/22c23d4b9b9feb98d6dd9ced9fcf6b534a8e0559275fd975104c6fef8cc1c0e3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d2b00cc0f710acbd94a17ef58b494b1e4106aa63
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/22c4a2c3f1c42f18a01f0f9162155e935b64b16221b872804666229f97752b93.txt b/chunks/txt/22c4a2c3f1c42f18a01f0f9162155e935b64b16221b872804666229f97752b93.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4ae92265783d894727ba9efd1a82a43146852bb8
--- /dev/null
+++ b/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”
diff --git a/chunks/txt/22d514e061dc563838975e253887c055373d6d75f6d8eaaba556f4b759f0340e.txt b/chunks/txt/22d514e061dc563838975e253887c055373d6d75f6d8eaaba556f4b759f0340e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..70cafd24f1a0e752ebf284a81278fedd16a58164
--- /dev/null
+++ b/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)
diff --git a/chunks/txt/22e2be1b700d7107e5608e28134fc3edc4cd93f14a7f786bb9ee782b3e9a29ed.txt b/chunks/txt/22e2be1b700d7107e5608e28134fc3edc4cd93f14a7f786bb9ee782b3e9a29ed.txt
new file mode 100644
index 0000000000000000000000000000000000000000..023b83aaa060aaee0eeed447850271eb0919da05
--- /dev/null
+++ b/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
diff --git a/chunks/txt/22f48e4c051fe63f2dde924712f8f255e5a916ceaad946c6182385db4802c572.txt b/chunks/txt/22f48e4c051fe63f2dde924712f8f255e5a916ceaad946c6182385db4802c572.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d49821f1772a41d29f66433047e3793e5d2fda23
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/230b12654d7aa47fa9694ae616642fa0899fe6f9ba04985caa60f320aec40441.txt b/chunks/txt/230b12654d7aa47fa9694ae616642fa0899fe6f9ba04985caa60f320aec40441.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c9e6497842c0117792d0a53bc0ff22f70955af8e
--- /dev/null
+++ b/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
diff --git a/chunks/txt/23113ea78bee57754bf0b7e1ad9e370a1544748859b5ba078dae324cca2dc2eb.txt b/chunks/txt/23113ea78bee57754bf0b7e1ad9e370a1544748859b5ba078dae324cca2dc2eb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f7333b19c67521b68deb1ca21f49876649b6deba
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/23170bbe74f7e3e8cfba5ca85ed6f7658ffcd8c0d72ca2f40af9ca82634f168d.txt b/chunks/txt/23170bbe74f7e3e8cfba5ca85ed6f7658ffcd8c0d72ca2f40af9ca82634f168d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d0d6fd0c38294231b7fe013cb3a02b662978a73d
--- /dev/null
+++ b/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).
diff --git a/chunks/txt/231cc9bf6a52d36939f2d0d1a8ca56e97df2e971d8cced2a3b45c8e9610ef22a.txt b/chunks/txt/231cc9bf6a52d36939f2d0d1a8ca56e97df2e971d8cced2a3b45c8e9610ef22a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4494bcf01c08c69dcc714abb30c47704684eee81
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/2336525cd4715ffbcbb0f9de8ecf4f295a63199e20440f59b495c537431fe9da.txt b/chunks/txt/2336525cd4715ffbcbb0f9de8ecf4f295a63199e20440f59b495c537431fe9da.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3e06ad07dca7d3276c575be10574d15102be637a
--- /dev/null
+++ b/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
diff --git a/chunks/txt/233e8c64443321c10982ecae25847138bfd9e4f44984ab12e929a7fc203b298c.txt b/chunks/txt/233e8c64443321c10982ecae25847138bfd9e4f44984ab12e929a7fc203b298c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0f5fd3d84c97f74ff9a8b4540272b03aeb784fc3
--- /dev/null
+++ b/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
diff --git a/chunks/txt/23535dd93da0b5d3bf1886957d38fb3b9a7a139978ce81b9575e4b9897513041.txt b/chunks/txt/23535dd93da0b5d3bf1886957d38fb3b9a7a139978ce81b9575e4b9897513041.txt
new file mode 100644
index 0000000000000000000000000000000000000000..461f00843aca2746572b35ce740099f3fa4b9020
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/236cb87307a2c849469a23fe3fe8275c0205af6b1c98cd57c3a57e1af8765119.txt b/chunks/txt/236cb87307a2c849469a23fe3fe8275c0205af6b1c98cd57c3a57e1af8765119.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f4d73cc5ac7da40dd9a97c159878d887043b217b
--- /dev/null
+++ b/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
diff --git a/chunks/txt/236d8686d2ca1bc45c5cc20998f52a0d5700f32374afd1b39f301484b62b65fb.txt b/chunks/txt/236d8686d2ca1bc45c5cc20998f52a0d5700f32374afd1b39f301484b62b65fb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..55350363011b0cd0b05908aba458531869c09c4a
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/236e3a19b05530e889fba187f33030cd8efb3132903b9c48e36e5a2571006f4d.txt b/chunks/txt/236e3a19b05530e889fba187f33030cd8efb3132903b9c48e36e5a2571006f4d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4e3b07bd31524639f1c69a187d1a0319811a1b45
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/238f0b4449575076cc9085f5cf9e6524969642d5ca8fac4f23faf50196ae4102.txt b/chunks/txt/238f0b4449575076cc9085f5cf9e6524969642d5ca8fac4f23faf50196ae4102.txt
new file mode 100644
index 0000000000000000000000000000000000000000..59bd19aa4e0ae3144b1b77d0b3b2648b2b70c032
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/239293c97cbae362e7d713c1049b30fb5d6118e2a5efca214fd0b8cc97fcadd1.txt b/chunks/txt/239293c97cbae362e7d713c1049b30fb5d6118e2a5efca214fd0b8cc97fcadd1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e69a45918c72c752c5c2e37a938e152ff623ba96
--- /dev/null
+++ b/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.
diff --git a/chunks/txt/239d5dad0e7cc7eab9bc7ae3d7b0b25b7037ec1ddba17b3439b5cf5474bc8f59.txt b/chunks/txt/239d5dad0e7cc7eab9bc7ae3d7b0b25b7037ec1ddba17b3439b5cf5474bc8f59.txt
new file mode 100644
index 0000000000000000000000000000000000000000..21a4fccc1b2365e7cb9ddb7be6fb43c6922a12b2
--- /dev/null
+++ b/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
diff --git a/chunks/txt/23a250f540ed314338f6ad533100e83327045eadd2a487f963caffe9f6ff8535.txt b/chunks/txt/23a250f540ed314338f6ad533100e83327045eadd2a487f963caffe9f6ff8535.txt
new file mode 100644
index 0000000000000000000000000000000000000000..df2cb4adc8c35b4c2e8168783fef683ab0ff2428
--- /dev/null
+++ b/chunks/txt/23a250f540ed314338f6ad533100e83327045eadd2a487f963caffe9f6ff8535.txt
@@ -0,0 +1,7 @@
+Enumeration Changes ............................................................................................................................. 6
+
+MI Company Name Change ................................................................................................................. 6
+
+Overview ......................................................................................................................................... 6
+
+Requirement .................................................................................................................................... 6
diff --git a/chunks/txt/23b365b9acccb79529d451f89c22d83299c050a844344e8025372c65541b2d42.txt b/chunks/txt/23b365b9acccb79529d451f89c22d83299c050a844344e8025372c65541b2d42.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e1d0cdcfe7d860513a842306a9c6d084b273d653
--- /dev/null
+++ b/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
diff --git a/chunks/txt/23b49a8b30de85ae59fee8664ea9d4e850516c7532d15a5905d584266827ea94.txt b/chunks/txt/23b49a8b30de85ae59fee8664ea9d4e850516c7532d15a5905d584266827ea94.txt
new file mode 100644
index 0000000000000000000000000000000000000000..edbb604cd01aae1e683af1e39d8c47a8dee078d6
--- /dev/null
+++ b/chunks/txt/23b49a8b30de85ae59fee8664ea9d4e850516c7532d15a5905d584266827ea94.txt
@@ -0,0 +1,43 @@
+No rental income can be used in qualifying.
+
+Rental income used in qualifying has no restrictions
+
+1-4 Unit Investment
+Property– new or newly
+placed in service (includes
+departing residence)
+
+1-4 Unit Investment–
+existing rental (one year of
+receiving rental income)
+
+See Treatment of the Income (or Loss) below for how to apply rental Income.
+
+Note: Rental income reported on IRS Form 8825 of federal business tax returns is reported as self-employment income.
+
+The lender must establish a history of property management experience by obtaining one of the following:
+
+•
+
+•
+
+The borrower’s most recent signed federal income tax return, including Schedules 1 and E. Schedule E should reflect
+rental income received for any property and Fair Rental Days of 365;
+If the property has been owned for at least one year, but there are less than 365 Fair Rental Days on Schedule E
+o a current signed lease agreement may be used to supplement the federal income tax return; or
+o
+
+two years of the most recent federal income tax returns reflecting rental income received may be obtained to
+document that the property was in service for the full year (for example: a short-term rental receiving rental
+income for more than one year, but the fair rental days are less than 365 in each year).
+
+• A current signed lease may be used to supplement a federal income tax return if the property was out of service for any
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 40 of 166
+
+UAD 3.6 Policy
+
+time period in the prior year. Schedule E must support this by reflecting a reduced number of days in use and related
+repair costs.
diff --git a/chunks/txt/23b88625dfed755f5a6cda8229ce4492e709eb8bfef922b873642585b66f5e77.txt b/chunks/txt/23b88625dfed755f5a6cda8229ce4492e709eb8bfef922b873642585b66f5e77.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1d74166698e91184aba56805fb6f38e1460a3c50
--- /dev/null
+++ b/chunks/txt/23b88625dfed755f5a6cda8229ce4492e709eb8bfef922b873642585b66f5e77.txt
@@ -0,0 +1,84 @@
+$(20,000)
+
+$242
+
+$415,000
+
+Most
+
+$0
+
+—
+
+—
+
+—
+
+—
+
+$510,000
+
+$499,900
+
+$(3,700)
+
+$401
+
+$496,200
+
+Most
+
+—
+
+$0
+
+—
+
+—
+
+—
+
+—
+
+$345,000
+
+$345,000
+
+$88,700
+
+$153
+
+$433,700
+
+Less
+
+Indicated Value by Sales Comparison Approach
+
+Indicated Value
+
+$445,000
+
+Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 21 of 30
+Page 21 of 30
+
+Sales Comparison Approach (continued)
+
+Reconciliation of Sales Comparison Approach
+
+The three sales provided were the most comparable manufactured home sales in the market. There were limited sales of manufactured
+homes on acreage with water frontage and other amenities. Comparable #1’s lot is on the lake, whereas the subject’s water frontage is a
+non-contiguous parcel that is included, while the comparable has no water front features the result is a negative adjustment. The outbuilding
+adjustment for comparable sale #1’s shop vs the subject’s detached garages was based on the subject’s finished space only as the garage/
+car storage was captured in vehicle storage. Comparable #2 was superior in terms of quality upgrades and an adjustment was warranted
+even though the Q rating was the same as the subject. Comparable #2 is located in a water front project with site values that exceed those in
+the subject project. The value differences are due to more level topography and boat motor size restrictions that reduce noise and damage
+associated with motor wakes. Comparable #3 is less impactful due to it being a short sale. Comparable #3 has a small portion of its lot within
+the river floodplain. There is no impact to improvements or usability of the lot therefore no adjustment is warranted. The appraiser made
+market based adjustments to each of the sales for their differences. Adjustments were determined through qualitative analysis, considering
+contributory values and competitive differences, matched paired analysis, and interviews with local real estate agents. The value was
+reconciled between the adjusted prices of the comparable sales #1 and #2 as they were given the most weight with additional support from
+comparable sale #3.
diff --git a/chunks/txt/23ba1550a7cc487fc0872209a4765708b1e4aaff0ed9ba66ea901ef81dc0aa74.txt b/chunks/txt/23ba1550a7cc487fc0872209a4765708b1e4aaff0ed9ba66ea901ef81dc0aa74.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e0b6f2be18f20ed754831890deda1c5f1534e789
--- /dev/null
+++ b/chunks/txt/23ba1550a7cc487fc0872209a4765708b1e4aaff0ed9ba66ea901ef81dc0aa74.txt
@@ -0,0 +1,105 @@
+Identifies type of management associated
+with the project.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ManagementType='Oth
+er' and
+@_ManagementTypeOtherDescription='HomeownersAssociationAndManagemen
+tAgent']
+
+176, 177
+
+PROJECT
+INFORMATION
+
+Management Group
+Developer and Management Agent
+
+Project Management
+Type Other
+Description
+
+Identifies type of management associated
+with the project.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ManagementType='Oth
+er' and
+@_ManagementTypeOtherDescription='DeveloperAndManagementAgent']
+
+188
+
+1
+
+175, 176, 177
+
+PROJECT
+INFORMATION
+
+Management Group
+Homeowners' Association, Developer,
+and Management Agent
+
+Project Management
+Type Other
+Description
+
+Identifies type of management associated
+with the project.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ManagementType='Oth
+er' and
+@_ManagementTypeOtherDescription='HomeownersAssociationAndDeveloperA
+ndManagementAgent']
+
+51
+
+51
+
+51
+
+51
+
+51
+
+51
+
+Enumerated
+
+This field should be indicated only if Developer is checked.
+
+Enumerated
+
+This field should be indicated only if Management Agent is checked.
+
+Enumerated
+
+This field should be indicated if HOA and Developer are checked.
+
+Enumerated
+
+This field should be indicated if HOA and Management Agent are checked.
+
+Enumerated
+
+This field should be indicated if Developer and Management Agent are checked.
+
+Enumerated
+
+This field should be indicated if HOA, Developer and Management Agent are checked.
+
+189
+
+1
+
+178
+
+PROJECT
+INFORMATION
+
+Provide name of management company
+
+Project Management
+Agent Name
+
+Used to identify the management agent's
+name if Management Agent is indicated
+in Project Management Type.
diff --git a/chunks/txt/23dadb180482fc04f947b54b784e091202e666059bca21bfe4bbadac1ea93f94.txt b/chunks/txt/23dadb180482fc04f947b54b784e091202e666059bca21bfe4bbadac1ea93f94.txt
new file mode 100644
index 0000000000000000000000000000000000000000..31bffc7ae3e4e0f759331f27ecd44705e04fef2a
--- /dev/null
+++ b/chunks/txt/23dadb180482fc04f947b54b784e091202e666059bca21bfe4bbadac1ea93f94.txt
@@ -0,0 +1,115 @@
+Version 1.3
+
+Uniform Appraisal Dataset
+
+08 Dwelling Exterior
+
+Example: Converted Area
+
+Dwelling Exterior: Converted Area
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+8.012
+
+Converted Area Always required
+
+Yes | No
+
+Definition / Additional Guidance
+
+Converted Area Exists: Indicates whether an area within the structure has been
+improved from its original use, such as a garage or porch that has been
+converted into living area (e.g., family room, office, bedroom).
+•
+•
+Note:
+•
+
+Yes (Converted Area Exists does not display)
+No (“None” displays)
+
+Does not include below grade finished area. Below grade area is reported
+in the Unit Interior section.
+
+8.013
+
+Converted Area
+and Similarity to
+Rest of Living
+Area
+
+Required if Converted
+Area Exists is Yes
+
+8.013
+
+Converted Area
+and Similarity to
+Rest of Living
+Area
+
+Required for each
+converted area if
+Converted Area Exists
+is Yes
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+Superior, Similar,
+or Inferior
+
+The original purpose of the area that has been improved from its original use to
+living area.
+•
+•
+•
+•
+
+Garage
+Patio
+Porch
+Other (Describe)
+
+The converted area's quality of finish compared to the rest of the living area.
+
+Factory Built Certification, Volume, and Window Surface Area
+
+Dwelling Exterior: Factory Built Certification, Volume, and Window Surface Area
+
+Report
+Field ID
+
+8.014
+
+Report Label
+
+When to Include
+
+Factory Built
+Certification
+
+Required if
+Construction Method
+is Modular or On-
+Frame Modular
+
+Allowable
+Answers / Format
+
+Yes | No
+
+Definition / Additional Guidance
diff --git a/chunks/txt/23dbc1e27a52d747aad3cec0156ec984caf6f729e8195c8c71d0abc908ef418c.txt b/chunks/txt/23dbc1e27a52d747aad3cec0156ec984caf6f729e8195c8c71d0abc908ef418c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..95ce7497326ba04454757169ca271c3097192716
--- /dev/null
+++ b/chunks/txt/23dbc1e27a52d747aad3cec0156ec984caf6f729e8195c8c71d0abc908ef418c.txt
@@ -0,0 +1,108 @@
+Appendix F-1: URAR Reference Guide
+
+Page 224 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: General Information
+
+When New
+Construction
+for the subject
+property is Yes
+
+If relevant
+
+Required if New
+Construction for the
+subject property is Yes
+
+Yes | No
+
+Same Builder as Subject
+is only applicable to
+comparables
+
+No
+
+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
+22.01.49
+
+Additional Row
+This row displays on the sales comparison grid when an additional data
+element relevant to the General Information 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.
+
+Report
+Field ID
+
+22.01.47
+
+Report Label
+
+Same Builder
+as Subject
+
+22.01.15
+22.01.48
+
+Additional
+data element
+displays as the
+Report Label
+22.01.14
+
+Project Information
+
+The Project Information subsection displays on the sales comparison grid when the subject property or any comparable is in a condominium,
+cooperative, or condop. The subsection should also display if relevant for PUDs, such as when there are differences in monthly fees, common
+amenities and services, and / or special assessments.
+
+Report
+Field ID
+
+22.02.05
+
+Report Label
+
+When Row
+Displays
+
+When to Include for
+each Comparable
diff --git a/chunks/txt/23dcd285434c155337958356fbf0658fc0516200fcdab0b2760e821e9870c0d0.txt b/chunks/txt/23dcd285434c155337958356fbf0658fc0516200fcdab0b2760e821e9870c0d0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fe889855bd06cddd08737a69034d2a04ca916dba
--- /dev/null
+++ b/chunks/txt/23dcd285434c155337958356fbf0658fc0516200fcdab0b2760e821e9870c0d0.txt
@@ -0,0 +1,76 @@
+Unique
+ID
+
+MISMO 3.4 Data Point Name
+
+Conditionality
+
+13.0011
+
+ULAD:PositiveRentalHistoryIndicator
+
+Required
+
+DU Supported
+Enumerations
+
+false
+
+true
+
+N O T E : Fannie Mae’s DU Spec can be found at: https://singlefamily.fanniemae.com/technology-
+integration/technology-integration-resources
+
+© 2023 Fannie Mae. Trademarks of Fannie Mae.
+
+3.9.23
+
+1 of 3
+
+FHA TOTAL Scorecard Error Codes
+
+FHA will introduce two new error messages that will be returned from the FHA TOTAL scorecard, as follows:
+
+105 Positive Rental History must be True (Yes) or False (No).
+106 Positive Rental History must be False (No) if loan is a Refinance.
+
+In the DU Loan Application Submission file, True/False must be used; Yes/No must be used in Desktop Originator®
+(DO®)/DU User Interface (UI).
+
+Implementation Note Changes for DU Specification
+
+The Implementation Notes for the following two data points will be removed in the next published version of the DU
+Spec.
+
+Unique
+ID
+
+MISMO 3.4 Data Point Name
+
+Implementation Notes for FHA and VA (G)
+
+7.0055
+
+TotalSubjectPropertyPayoffsAndPaymentsAmount
+
+7.0038
+
+TotalNonSubjectPropertyDebtsToBePaidOffAmount
+
+IMPLEMENTATION NOTE ONLY TO BE
+REMOVED
+
+IMPLEMENTATION NOTE ONLY TO BE
+REMOVED
+
+N O T E : The amounts for both data points above must be entered separately in order to correctly perform the
+Required Investment Calculation for refinance transactions that is sent to the FHA TOTAL scorecard.
+
+Test Cases
+
+We have updated our test cases to support this release. They can be found by visiting the DU section of Technology
+Integration Resources:
+
+•
+
+Integration Test Cases > DU Specification Test Case Suite
diff --git a/chunks/txt/23eae875ac7366fda60d56268620908fb45defe62c813aa22c7d4a314b1521c0.txt b/chunks/txt/23eae875ac7366fda60d56268620908fb45defe62c813aa22c7d4a314b1521c0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f7a9b705764863068013e65ce607871c8da9c461
--- /dev/null
+++ b/chunks/txt/23eae875ac7366fda60d56268620908fb45defe62c813aa22c7d4a314b1521c0.txt
@@ -0,0 +1,7 @@
+Scope..................................................................................................................................................... 4
+
+Before Starting ...................................................................................................................................... 4
+
+Chapter 2: Implementation Options - Overview ........................................................................................... 6
+
+Understanding the MISMO v3.4 Reference Model Build 324 ............................................................. 6
diff --git a/chunks/txt/2405b9a74e084e87634067d6c67d4a6b9af29ad171920fbd0652fb28b690acc5.txt b/chunks/txt/2405b9a74e084e87634067d6c67d4a6b9af29ad171920fbd0652fb28b690acc5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..30c65b5470c17a438cb8b7bfa001b19f2ad2f707
--- /dev/null
+++ b/chunks/txt/2405b9a74e084e87634067d6c67d4a6b9af29ad171920fbd0652fb28b690acc5.txt
@@ -0,0 +1,30 @@
+## Tools
+
+---
+
+[HPI Calculator](/data/hpi/datasets?tab=hpi-calculator)
+
+[FHFA HPI® Top 100 Metro Area Rankings](/data/dashboard/fhfa-hpi-top-100-metro-area-rankings)
+
+[HPI Four-Quarter Appreciation Map](/data/dashboard/fhfa-hpi-four-quarter-appreciations)
+
+[HPI Summary Tables](/data/hpi/summary-tables)
+
+[HPI County](/data/dashboard/fhfa-hpi-county-map) and [HPI ZIP5](/data/dashboard/fhfa-hpi-zip5-map) Maps
+
+## FHFA HPI® Release Dates
+
+### 2026 HPI Release Dates
+
+Date Release Type Last Included Data **Tuesday, February 24** **Quarterly Index (with Monthly Tables)** **December 2025 and 2025Q4** Tuesday, March 31 Monthly Index January 2026 Tuesday, April 28 Monthly Index February 2026 **Tuesday, May 26** **Quarterly Index (with Monthly Tables)** **March 2026 and 2026Q1** Tuesday, June 30 Monthly Index April 2026 Tuesday, July 28 Monthly Index May 2026 **Tuesday, August 25** **Quarterly Index (with Monthly Tables)** **June 2026 and 2026Q2** Tuesday, September 29 Monthly Index July 2026 Tuesday, October 27 Monthly Index August 2026 **Tuesday, November 24** **Quarterly Index (with Monthly Tables)** **September 2026 and 2026Q3** Tuesday, December 29 Monthly Index October 2026
+
+For questions, please contact [HPIQuestions@fhfa.gov](mailto:HPIQuestions@fhfa.gov).
+
+- - [Latest FHFA House Price Index® (HPI) report](/document/MonthlyHPI_January2026.pdf)
+- [Release dates for upcoming reports](/data/hpi#ReleaseDates)
+
+Sign up for email updates
+
+Leave this field blank
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
diff --git a/chunks/txt/24082f55793e33e5969b81b004154957ca945a343d54287a5759d8d8d4c94f17.txt b/chunks/txt/24082f55793e33e5969b81b004154957ca945a343d54287a5759d8d8d4c94f17.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b4bcd069c4e26c4b677fda5b1d1873169e53d423
--- /dev/null
+++ b/chunks/txt/24082f55793e33e5969b81b004154957ca945a343d54287a5759d8d8d4c94f17.txt
@@ -0,0 +1,135 @@
+0300.0063
+
+LivingUnitCount
+
+Always displays
+
+8.002
+
+Structure Design
+
+0300.0032
+
+StructuralDesignType
+
+… AND AttachmentType = "Attached"
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 156
+
+Report
+Field ID
+
+Report Label
+
+Unique ID
+
+MISMO Data Point Name
+
+Display Rules
+
+Display when ImprovementType = "Dwelling” AND…
+
+8.003
+
+Floors in Building
+
+0300.0064
+
+StoriesCount
+
+… AND StructuralDesignType = "Highrise" OR "Midrise"
+
+Dwelling Exterior: General Information
+
+8.004
+
+Dwelling Style
+
+0300.0030
+
+ArchitecturalDesignCategoryType
+
+… AND AttachmentType = "Detached"
+
+8.005
+
+Front Door Elevation
+
+0300.0117
+
+FrontDoorApproximateElevationRangeType
+
+Display the number followed by “Ft.”
+
+8.006
+
+Townhouse End Unit
+
+0300.0059
+
+RowhouseTownhouseEndUnitIndicator
+
+… AND when StructuralDesignType = "RowhouseTownhouse"
+
+8.007
+
+Townhouse Back to Back
+
+0300.0070
+
+RowhouseTownhouseBackToBackIndicator
+
+… AND when StructuralDesignType = "RowhouseTownhouse"
+
+8.008
+
+Units Above or Below
+
+0300.0069
+
+RowhouseTownhouseStackedIndicator
+
+… AND when StructuralDesignType = "RowhouseTownhouse"
+
+8.009
+
+Townhouse Location
+
+0300.0067
+
+RowhouseTownhouseLocationType
+
+… AND when StructuralDesignType = "RowhouseTownhouse" AND
+RowhouseTownhouseStackedIndicator = "true"
+
+0300.0011
+
+PropertyStructureBuiltYear
+
+Always displays
+
+8.010
+
+Year Built
+
+0300.0012
+
+PropertyStructureBuiltYearEstimatedIndicator
+
+8.011
+
+Construction Method
+
+0300.0034
+
+ConstructionMethodType
+
+… AND PropertyStructureBuiltYearEstimatedIndicator = “true”
+Display a “~” before the PropertyStructureBuiltYear
+
+… AND (AttachmentType = "Detached" OR StructuralDesignType =
+"RowhouseTownhouse" OR "SemiDetached" OR "Other")
+If there are multiple construction methods, display as stacked on a separate
+line.
diff --git a/chunks/txt/2417ac106ad3c20a48eb989cf35e5070285f2980e68fa0be197038c70c1f7cd3.txt b/chunks/txt/2417ac106ad3c20a48eb989cf35e5070285f2980e68fa0be197038c70c1f7cd3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e1a76e060f3f85dab80aaece578e93707407b6aa
--- /dev/null
+++ b/chunks/txt/2417ac106ad3c20a48eb989cf35e5070285f2980e68fa0be197038c70c1f7cd3.txt
@@ -0,0 +1,5 @@
+Project Information Commentary ............................................................................................................................................................................................ 256
+
+Project Information Exhibits ..................................................................................................................................................................................................... 256
+
+Project Information – Arcrole Relationships ............................................................................................................................................................................ 257
diff --git a/chunks/txt/2422a233ce442ceb157446c8e3323e9cee20489f858b5bc9cdd4ac06e52524a0.txt b/chunks/txt/2422a233ce442ceb157446c8e3323e9cee20489f858b5bc9cdd4ac06e52524a0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f21ca37fcfecf7093bb925d83573aadfe86e787d
--- /dev/null
+++ b/chunks/txt/2422a233ce442ceb157446c8e3323e9cee20489f858b5bc9cdd4ac06e52524a0.txt
@@ -0,0 +1,126 @@
+A free-form text field identifying the floor
+of the unit.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/_UNIT/@FloorIdentifie
+r
+
+Level Count
+
+The number of structure levels.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/_UNIT/@LevelCount
+
+Heating Unit
+Description
+
+A free-form text field used to describe the
+heating type (i.e. central, forced, wall, etc)
+description.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/HEATING/@_UnitDes
+cription
+
+UNIT
+DESCRIPTION
+
+Heating
+Fuel
+
+Heating Fuel
+Description
+
+A free-form text field used to describe the
+fuel used by the heating unit.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/HEATING/@_FuelDes
+cription
+
+249
+
+2
+
+47
+
+UNIT
+DESCRIPTION
+
+Cooling
+Central AC
+
+Cooling
+Centralized
+Indicator
+
+Indicates that the structure has a central
+cooling unit indicator.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/COOLING/@_Centrali
+zedIndicator
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+150
+
+25
+
+2
+
+7
+
+7
+
+1
+
+Boolean
+
+Boolean
+
+Boolean
+
+Boolean
+
+Boolean
+
+Boolean
+
+Boolean
+
+String
+
+String
+
+Must indicate the unit floor #.
+
+Numeric
+
+String
+
+String
+
+UAD Requirement - Refer to Appendix D Improvements Section
+Whole numbers only. Must indicate the number of levels in the unit.
+UAD Instruction - Refer to Appendix D Improvements Section
+This data point is structured differently on the 1004/70, because there are no heating
+checkboxes. If no heat source, enter 'None'.
+
+UAD Instruction - Refer to Appendix D Improvements Section
+
+This field should indicate the fuel used for heating, if any. If no heating, then 'None'
+should be indicated.
+
+Boolean
+
+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.
diff --git a/chunks/txt/242ca258d7242ef255210702665f78e436f1872e072607fe372b7e1c946abac3.txt b/chunks/txt/242ca258d7242ef255210702665f78e436f1872e072607fe372b7e1c946abac3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3c376a550869db0e78de8087d166a899a14cbd16
--- /dev/null
+++ b/chunks/txt/242ca258d7242ef255210702665f78e436f1872e072607fe372b7e1c946abac3.txt
@@ -0,0 +1,13 @@
+FHFA maintains a list at this page of each person that is currently suspended under the Suspended Counterparty Program.
+
+State - Any - Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virgin Islands Virginia Washington West Virginia Wisconsin Wyoming
+
+Counterparty
+
+Items per page 5 10 25 50 204 items
+
+[CSV](/suspended-counterparties/download/csv)
+
+[JSON](/suspended-counterparties/download/json)
+
+[First Name](?items_per_page=10&order=field_first_name&sort=asc) [Last Name](?items_per_page=10&order=field_last_name&sort=asc) [Company](?items_per_page=10&order=field_name_1&sort=asc) [City](?items_per_page=10&order=field_city&sort=asc) [State](?items_per_page=10&order=field_state&sort=asc) [Effective DateSort ascending](?items_per_page=10&order=field_start_date&sort=asc) [Suspension End Date](?items_per_page=10&order=field_end_date&sort=asc) Suspension Order Carlos M. Velez-Cruz Guaynabo Puerto Rico 12/24/2025 Indefinite [Suspension Order](/sites/default/files/2025-11/Carlos-Velez-Cruz-Final-Suspension-Order.pdf) Apex Title Agency Incorporated Haines City Florida 12/10/2025 Indefinite [Suspension Order](/sites/default/files/2025-10/Apex-Title-Agency-Inc-Final-Suspension-Order.pdf) Dora A. Martinez Haines City Florida 12/10/2025 Indefinite [Suspension Order](/sites/default/files/2025-10/Dora-Martinez-Final-Suspension-Order.pdf) Elena Villarini Leesburg Florida 12/10/2025 Indefinite [Suspension Order](/sites/default/files/2025-10/Elena-Villarini-Final-Suspension-Order.pdf) Maria Del Carmen Montes Kissimmee Florida 12/10/2025 Indefinite [Suspension Order](/sites/default/files/2025-10/Maria-Montes-Final-Suspension-Order.pdf) Carlos A. Ferrer Berdecia Davenport Florida 12/10/2025 Indefinite [Suspension Order](/sites/default/files/2025-10/Carlos-Berdecia-Final-Suspension-Order.pdf) Aron Puretz Lakewood New Jersey 10/01/2025 Indefinite [Suspension Order](/sites/default/files/2025-08/Aron-Puretz-Final-Suspension-Order.pdf) Moshe "Mark" Silber Suffern New York 10/01/2025 Indefinite [Suspension Order](/sites/default/files/2025-08/Moshe-Silber-Final-Suspension-Order.pdf) Rhodium Capital Advisors LLC New York New York 10/01/2025 Indefinite [Suspension Order](/sites/default/files/2025-08/Rhodium-Capital-Advisors-LLC-Final-Suspension-Order.pdf) Fredrick Schulman Briarcliff Manor New York 10/01/2025 Indefinite [Suspension Order](/sites/default/files/2025-08/Fredrick-Schulman-Final-Suspension-Order.pdf)
diff --git a/chunks/txt/2435d35856ab2b0492ed469aa9bf54529d99029204af606ddded4c1224b286a5.txt b/chunks/txt/2435d35856ab2b0492ed469aa9bf54529d99029204af606ddded4c1224b286a5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3be3801f323f4e9c662dabbd8edcd44a6184fee7
--- /dev/null
+++ b/chunks/txt/2435d35856ab2b0492ed469aa9bf54529d99029204af606ddded4c1224b286a5.txt
@@ -0,0 +1,265 @@
+1,200 Sq. Ft.
+
+1,250 Sq. Ft.
+
+1,050 Sq. Ft.
+
+Vehicle Storage | Spaces
+
+Carport | 1
+Driveway | 1
+
+Similar
+
+Similar
+
+Similar
+
+Carport | 1
+Driveway | 1
+
+Similar
+
+Similar
+
+Similar
+
+Amenities
+
+Summary
+
+Rent Per Finished Area
+
+Actual Rent
+
+Adjusted Rent
+
+Opinion of
+Market Rent
+
+Patio
+
+Patio
+
+Patio
+
+Patio
+
+Patio
+
+Patio
+
+Patio
+
+Patio
+
+$2.10
+
+$2,500
+
+$2,600
+
+$2.25
+
+$2,700
+
+$2,600
+
+$2.00
+
+$2,500
+
+$2,550
+
+$2.48
+
+$2,600
+
+$2,650
+
+$2.14
+
+$2,550
+
+$2,600
+
+$2.25
+
+$2,700
+
+$2,600
+
+$2.00
+
+$2,500
+
+$2,550
+
+$2.48
+
+$2,600
+
+$2,650
+
+Comparable Weight
+
+Most
+
+Less
+
+Most
+
+Most
+
+Less
+
+Most
+
+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 21 of 26
+Page 21 of 26
+
+Rental Information (continued)
+
+Proximity to Subject
+
+Floor Number
+
+Interior Condition
+
+Bedrooms
+
+Baths - Full | Half
+
+Finished Area
+
+Subject
+Unit C
+
+2
+
+C3
+
+2
+
+2 | 0
+
+#2
+3 Miles N
+
+2
+
+C3
+
+2
+
+2 | 0
+
+Comparables
+#4
+
+#6
+
+Subject
+Unit D
+
+4.5 Miles S
+
+3.5 Miles E
+
+#2
+3 Miles N
+
+Comparables
+#4
+
+#6
+
+4.5 Miles S
+
+3.5 Miles E
+
+2
+
+C4
+
+2
+
+2 | 0
+
+2
+
+C3
+
+2
+
+2 | 0
+
+2
+
+C3
+
+2
+
+2 | 0
+
+2
+
+C3
+
+2
+
+2 | 0
+
+2
+
+C4
+
+2
+
+2 | 0
+
+2
+
+C3
+
+2
+
+2 | 0
+
+1,190 Sq. Ft.
+
+1,200 Sq. Ft.
+
+1,250 Sq. Ft.
+
+1,050 Sq. Ft.
+
+1,190 Sq. Ft.
+
+1,200 Sq. Ft.
+
+1,250 Sq. Ft.
+
+1,050 Sq. Ft.
+
+Vehicle Storage | Spaces
+
+Carport | 1
+Driveway | 1
+
+Similar
+
+Similar
+
+Similar
+
+Carport | 1
+Driveway | 1
+
+Similar
+
+Similar
diff --git a/chunks/txt/24461ea2cd90029550fade51de7998402dd228b148d885c8204a7707e382adf7.txt b/chunks/txt/24461ea2cd90029550fade51de7998402dd228b148d885c8204a7707e382adf7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1ed0a92c71e994d191fea80e0f911796d0c35254
--- /dev/null
+++ b/chunks/txt/24461ea2cd90029550fade51de7998402dd228b148d885c8204a7707e382adf7.txt
@@ -0,0 +1,74 @@
+Appendix F-1: URAR Reference Guide
+
+Page 84 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+04 Site
+
+05 Disaster Mitigation
+
+The Disaster Mitigation section provides information about disaster mitigation features that exist on the
+property. This section provides space for additional commentary and exhibits.
+
+If the property does not have any disaster mitigation features (Mitigation Feature is None), the Disaster
+Mitigation section does not display.
+
+Disaster Mitigation Feature
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+5.000 Mitigation
+
+Always required
+
+Feature
+
+Allowable
+Answers / Format
+
+Choose one or
+more allowable
+answers from
+table (Mitigation
+Feature)
+
+Definition / Additional Guidance
+
+A feature added to, or a modification made to, the property that is designed to
+prevent or reduce the impacts and risks of hazards caused by natural disasters.
+
+Allowable Answer
+
+Definition / Additional Guidance
+
+Disaster Mitigation: Mitigation Feature (Choose all that apply)
+
+None
+
+If there are no disaster mitigation features, select None and the Disaster Mitigation section does not display.
+
+Enclosed Soffits
+
+A soffit designed to prevent embers from making contact with the interior joints, rafters, or trusses.
+
+Fire Resistant Decking
+
+Decking made of materials that are designed to avoid igniting and potentially fueling a fire.
+
+Fire Resistant Exterior Walls
+
+Exterior wall cladding made of materials that are designed to avoid igniting and potentially fueling a fire.
+
+Flood Vents
+
+Fortified Roof
+
+An opening in an enclosed structure intended to allow the free passage of water between the interior and exterior.
diff --git a/chunks/txt/2458b530b7cfc548dc0cd1722e92598ecbc57eda85f49e40e66323bf0db74a50.txt b/chunks/txt/2458b530b7cfc548dc0cd1722e92598ecbc57eda85f49e40e66323bf0db74a50.txt
new file mode 100644
index 0000000000000000000000000000000000000000..00c5509d1e06027b7efd3e7c96ce14a2007f295e
--- /dev/null
+++ b/chunks/txt/2458b530b7cfc548dc0cd1722e92598ecbc57eda85f49e40e66323bf0db74a50.txt
@@ -0,0 +1,139 @@
+2024 Archive: EarlyCheck Enhancements
+Overview of EarlyCheck Enhancements
+
+This EarlyCheck™ Enhancements overview provides access to this year’s previous, current, and upcoming EarlyCheck updates in an easy-to-read format all in
+one document.
+
+For a complete list of the edit messages, view the EarlyCheck Edit Messages document in the Edit Messages section of the EarlyCheck page 30 days prior to
+each update. Log in credentials for EarlyCheck or Fannie Mae Connect are required to access this document.
+
+December 31, 2024
+
+In Case You Missed It
+
+Effective
+Date
+
+Impacted
+Area
+
+Version
+
+Description
+
+Jan 29
+
+Edit Updates
+
+7.6.8
+
+New warning edits related to Note Rate
+
+New warning edits related to Note Rate
+
+Updated edits for Attorney Op Letter for Title
+
+File
+Type
+
+ULAD-
+MISMO 3.4
+
+ULDD-
+MISMO 3.0
+
+•
+
+•
+
+•
+
+Impact
+
+3 new edits with severity Warning
+
+3 new edits with severity Warning
+
+1 edit feedback message update, 1 edit
+deleted
+
+Jan 29
+
+EarlyCheck
+Message File
+
+N/A
+
+Access to the EarlyCheck Edit Messages file has been
+updated to include users with Fannie Mae Connect login
+credentials, EarlyCheck Edit Messages.
+
+N/A
+
+Feb 7
+
+NEW
+
+Edit Updates
+
+7.6.9
+
+New warning edits to validate ARM plan in EC matches
+ARM plan in DU
+
+•
+
+1 new warning edit
+
+ULAD-
+MISMO 3.4
+ULDD-
+MISMO 3.0
+
+© 2025 Fannie Mae
+
+File
+Type
+
+ULDD-
+MISMO 3.0
+
+Impact
+
+•
+
+2 new Fatal edits
+
+Effective
+Date
+
+Impacted
+Area
+
+Version
+
+Mar 1
+
+NEW
+
+HomeReady
+VLIP
+
+7.6.10
+
+Description
+
+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. EarlyCheck will have new fatal Edits 2147 and 2148
+to enforce eligibility for delivering loans under the
+temporary policy.
+Learn more about the HomeReady VLIP enhancements:
+Lender Letter (LL-2024-01) & HomeReady (VLIP) LLPA
+Credit Job Aid
diff --git a/chunks/txt/245c00d0e3742fa0eacf2a7b3b01b964d37b01a881d593c9652526c2efa6116d.txt b/chunks/txt/245c00d0e3742fa0eacf2a7b3b01b964d37b01a881d593c9652526c2efa6116d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2030889804099a623706dc6a280f305fc4cde16c
--- /dev/null
+++ b/chunks/txt/245c00d0e3742fa0eacf2a7b3b01b964d37b01a881d593c9652526c2efa6116d.txt
@@ -0,0 +1,86 @@
+This is where the Inground Pool photo would display.
+
+Subject Listing Information
+
+Current and/or relevant listings of the subject property (minimum 1 year look back)
+
+Listing Status
+Pending
+
+Listing Type
+Builder or
+Developer
+
+Listing ID
+123456
+
+Start Date
+04/20/2018
+
+End Date
+05/16/2018
+
+DOM
+26
+
+Total DOM 26
+
+Starting
+List Price
+$905,000
+
+Current or
+Final List Price
+$895,000
+
+Analysis of Subject Property Listing History 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.
+
+Appraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)
+
+Uniform Residential Appraisal Report
+
+Page 13 of 24
+Page 13 of 24
+
+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
+
+$895,000
+05/16/2018
+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
+
+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.
+
+Prior Sale and Transfer History
+
+Subject Transfer History
+
+Prior sales and/or transfers of the subject property (minimum 3 year look back)
+Transfer Terms
+Pre-Subdivision Sale
diff --git a/chunks/txt/2464105a09855214249de5ea57c405cbf17a43bb1a0f899da8824041bf13cc31.txt b/chunks/txt/2464105a09855214249de5ea57c405cbf17a43bb1a0f899da8824041bf13cc31.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e0edb9c12ef52ac9573a86932612495e11c3fb34
--- /dev/null
+++ b/chunks/txt/2464105a09855214249de5ea57c405cbf17a43bb1a0f899da8824041bf13cc31.txt
@@ -0,0 +1,88 @@
+Search Result Metrics
+
+Active Listings
+
+Median Days on Market
+Lowest List Price
+Median List Price
+Highest List Price
+
+Pending Sales
+
+12
+43
+$725,000
+$850,000
+$950,000
+3
+
+Sales in Past 24 Months
+
+Lowest Sale Price
+Median Sale Price
+Highest Sale Price
+
+Distressed Market Competition
+Graph
+Price Trend Source
+
+18
+$675,000
+$800,000
+$925,000
+No
+Median Days on Market
+Cowboy County MLS
+
+Price Trend Analysis Commentary An analysis of the sales in the past year for the subject’s market area shows sales volume to be stable
+across the year. Supply and demand are in balance and the absorption rate is in line with historical trends. Sales prices in the market have been
+increasing.
+
+Housing Trends
+
+Demand/Supply
+
+Market Exhibits
+
+Median Days on Market
+
+In Balance
+
+Marketing Time
+
+Under 3 Months
+
+This is where the Median Days on Market graph would display.
+
+Subject Listing Information
+
+Current and/or relevant listings of the subject property (minimum 1 year look back)
+
+Current or Relevant Listings
+
+Data Source
+
+None
+MLS
+
+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 Built in 2014 and has consistently had one owner in that time frame.
+
+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 15 of 26
+
+Prior Sale and Transfer History (continued)
diff --git a/chunks/txt/247b5db8fe3561f8e733482969f2f61e239cefbb482b08b8c0d7722f6a9ada12.txt b/chunks/txt/247b5db8fe3561f8e733482969f2f61e239cefbb482b08b8c0d7722f6a9ada12.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9320927e4c4b73b9adeb44ce9f2c3424b020c783
--- /dev/null
+++ b/chunks/txt/247b5db8fe3561f8e733482969f2f61e239cefbb482b08b8c0d7722f6a9ada12.txt
@@ -0,0 +1,38 @@
+Desktop Underwriter/Desktop Originator Integration Impact Memo
+March Update
+
+Feb. 19, 2025
+
+During the weekend of March 22, 2025, Fannie Mae will implement an update to Desktop Underwriter® (DU®). The new messages
+referenced below will apply to DU Version 12.0 loan casefiles submitted or resubmitted to DU during or after the weekend of
+March 22, 2025; the DU validation service message parameter updates will apply to DU Version 11.1 and DU Version 12.0 loan
+casefiles submitted or resubmitted to DU during or after the weekend of March 22, 2025.
+
+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. The
+new messages will support the expanded eligibility requirements for hybrid appraisals specified in Selling Guide Announcement
+SEL-2025-01. Please review this memo in addition to the Announcement to ensure that your integrated system(s) will be prepared
+to support this release
+
+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
+
+3
+
+0
+
+0
+
+The draft DU message file was distributed via email from Integration News (integration_news@fanniemae.com) to authorized
+subscribers on Feb. 5, 2025.
diff --git a/chunks/txt/2481dddcd39f8ba4afe830b0635e7b3bb59505cd289d973ffd418973218557b3.txt b/chunks/txt/2481dddcd39f8ba4afe830b0635e7b3bb59505cd289d973ffd418973218557b3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..19066f83ec73add681b2336958992f7b4c6bbef2
--- /dev/null
+++ b/chunks/txt/2481dddcd39f8ba4afe830b0635e7b3bb59505cd289d973ffd418973218557b3.txt
@@ -0,0 +1,99 @@
+PartyRoleTypeOtherDescription (UID: 2400.0366, FID: 04.049)
+
+The AMC is not the
+client
+
+− PartyRoleType (FID: 2400.0365, UID: 04.049) =
+
+“ManagementCompany”
+
+In this example, credentials (licensing information) are reported for the AMC. (Figure 4 - 2)
+
+Figure 4 - 2
+
+How to Display
+Subheading
+(04.048 /04.049)
+Client/Appraisal
+Management
+Company
+
+Reference in This Chapter
+
+Clients
+
+Client/Attorney
+
+Clients
+
+Client/Investor
+
+Clients
+
+Client/[Other
+Description]
+
+Appraisal
+Management
+Company
+
+Clients
+
+When Lender/AMC is not
+the Client
+
+Although the information is similar for clients and non-clients, the data points are different and clients require an additional PartyRoleType, therefore
+they are split out in this document.
+
+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: 2400.0321, FID: 04.049) to identify the type of client.
+
+Page 24
+
+Assignment Information: Contact Information – [Role]/[Role] - Client
+
+Report
+Field ID
+
+Report Label
+
+Unique ID MISMO Data Point Name
+
+04.006 Company Name
+
+2400.0324 FullName
+
+2400.0314 AddressLineText
+
+2400.0315 CityName
+
+2400.0317 StateCode
+
+2400.0316 PostalCode
+
+04.007 Company Address
+
+Credentials
+
+04.008
+
+ID
+
+2400.0319 LicenseIdentifier
+
+Display Rules
+
+When PartyRoleType (UID: 2400.0367, FID: 04.048) = “Client” and
+PartyRoleType (UID: 2400.0365, FID: 04.049) is present …
+
+Always displays
+
+Always displays
+
+Always displays
+
+Always displays
diff --git a/chunks/txt/248f6dee0e93eef29cf8cb0ae3d46bfa595a0517ccb2bc6255a9ec460fce8eb9.txt b/chunks/txt/248f6dee0e93eef29cf8cb0ae3d46bfa595a0517ccb2bc6255a9ec460fce8eb9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a0259afb43dd18e807534e93f8d044fb3c16e30d
--- /dev/null
+++ b/chunks/txt/248f6dee0e93eef29cf8cb0ae3d46bfa595a0517ccb2bc6255a9ec460fce8eb9.txt
@@ -0,0 +1,48 @@
+23.9.2 888-456-7890 23.9.3 123-555-1717
+
+23.9.4 321-555-7171
+
+23.9.5 987-555-4321
+
+Figure 137. Additional Information About This Loan - Contact Information Table
+
+Appendix E: UCD Implementation Guide
+
+Page 224 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+23.0 Contact Information
+
+Figure 137 is completed as if all five contacts were parties to the transaction. The Lender and Settlement Agent
+are always required. The need for providing the remaining three parties varies depending on the transaction.
+
+23. 0. 1 LENDER
+
+The Lender commercial banks, savings institutions, credit unions, and mortgage companies (i.e., non-depository
+lenders).
+
+23. 0. 2 MORTGAGE BROKER
+
+A Mortgage Broker facilitates the transaction for the borrower by helping them determine what loan best suits
+their needs and will collect their completed loan application. The broker will pass this information on to a
+lender, who will evaluate the borrower’s credit risk.
+
+23. 0. 3 BORROWER’S REAL ESTATE BROKER
+
+Real estate brokers are licensed to negotiate and arrange real estate transactions, including writing contracts for
+purchasing homes, land and commercial properties. The buyer’s real estate broker helps the buyer evaluate
+properties and prepare offers, and negotiates in the best interests of the buyer.
+
+23. 0. 4 SELLER’ S REAL ESTATE BROKER
+
+The seller’s real estate broker lists and markets the property for the sellers and exclusively represents the
+sellers. Seller's agents may help borrowers purchase the property, but their duty of loyalty is to the sellers.
+
+23. 0. 5 SETTLEMENT AGENT
+
+The Settlement Agent is anyone who can conduct the transaction closing, including attorneys or escrow
+companies in several states. Duties include ensuring that all the closing requirements are met, all documents are
+completed in full and include applicable borrower signatures, and all fees are collected.
diff --git a/chunks/txt/249b08e72fe6ae2ed112fdc0081cf49127280ec31fcad48830ba852eca4ebc31.txt b/chunks/txt/249b08e72fe6ae2ed112fdc0081cf49127280ec31fcad48830ba852eca4ebc31.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8b8ebfa1c7eafcf5f35cce2b8a4ec234b4abd9bf
--- /dev/null
+++ b/chunks/txt/249b08e72fe6ae2ed112fdc0081cf49127280ec31fcad48830ba852eca4ebc31.txt
@@ -0,0 +1,38 @@
+UCDP Fannie Mae Appraisal Messaging Change Notification
+
+August 20, 2019
+
+Fannie Mae is adding a proprietary appraisal message and revising the message text for an existing appraisal message in the
+Uniform Collateral Data Portal® (UCDP®), effective October 5, 2019, to improve the appraisal quality during loan delivery and align
+with the simplified condo policies.
+
+New Fannie Mae Appraisal Message
+ID
+FNM0197
+
+Message Text
+The subject property may be in Lava Zone 1 or 2. Properties within
+Lava Zone 1 and 2 are ineligible for delivery to Fannie Mae per the
+Selling Guide. Confirm the lava zone of the subject property.
+
+Severity
+Overridable
+
+Applicable Forms
+1004, 1073, 1025
+
+The severity level will be a hard stop that results in a “Not Successful” submission status when the FNM0197 message is issued.
+Lenders will be required to review the Fannie Mae appraisal message to confirm the lava zone of the subject property. However, if
+it is determined that the subject property is eligible for loan delivery, the lender may request a manual override and provide a
+reason code (refer to the list of existing reason codes below) to change the submission status to a “Successful” status in UCDP.
+
+List of Existing Reason Codes for Fannie Mae Overridable Messages
+If the override is accepted and all other hard stops/findings have been resolved, the submission status changes from “Not
+Successful” to “Successful” status.
+
+Override Reason Code Description
+Lender has a variance from Fannie Mae.
+Lender confirmed that the appraisal meets Fannie Mae requirements.
+Lender confirmed that the property meets Fannie Mae requirements.
+Lender validated that the message fired in error.
+Other (see comments)
diff --git a/chunks/txt/24b4a65ee76d8bef8a3809d19f459c4c76ac9d1d59efd85147079fd142d22363.txt b/chunks/txt/24b4a65ee76d8bef8a3809d19f459c4c76ac9d1d59efd85147079fd142d22363.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3a057973d93a5cf7afdb0dda4de6a39783ac2e80
--- /dev/null
+++ b/chunks/txt/24b4a65ee76d8bef8a3809d19f459c4c76ac9d1d59efd85147079fd142d22363.txt
@@ -0,0 +1,146 @@
+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.
+
+322
+
+2
+
+68
+
+SALES
+COMPARISON
+APPROACH
+
+Quality of Construction
+
+GSE Quality Of
+Construction Rating
+Type
+
+The overall rating of the property's
+quality of construction.
+
+323
+
+2
+
+69
+
+SALES
+COMPARISON
+APPROACH
+
+Quality of Construction
+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.
+
+324
+
+2
+
+e-17
+
+SALES
+COMPARISON
+APPROACH
+
+Actual Age
+
+GSE Age Estimation
+Indicator
+
+Indicates that the age of the property
+is estimated.
+
+325
+
+326
+
+2
+
+2
+
+70
+
+71
+
+SALES
+COMPARISON
+APPROACH
+
+Actual Age
+
+Sale Price
+Adjustment
+Description
+
+SALES
+COMPARISON
+APPROACH
+
+Actual Age Adjustment
+
+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.)
+
+The dollar amount of the adjustment
+applied to the sale price for the
+property feature identified by Sale
+Price Adjustment Type.
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/COMPARISON_VIEW_DETAIL_EXTENSI
+ON/COMPARISON_VIEW_DETAIL_EXTEN
+SION_SECTION[@ExtensionSectionOrganizati
+onName='UNIFORM APPRAISAL
+DATASET']/COMPARISON_VIEW_DETAIL_
+EXTENSION_SECTION_DATA/COMPARIS
+ON_VIEW_DETAIL[@GSEViewType='Other']
+/@GSEViewTypeOtherDescription
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/SALE_PRICE_ADJUSTMENT[@_Type='Vie
+w']/@_Amount
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/SALE_PRICE_ADJUSTMENT[@_Type='Des
+ignStyle']/@_Description
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/SALE_PRICE_ADJUSTMENT[@_Type='Des
+ignStyle']/@_Amount
diff --git a/chunks/txt/24bf1aa3cb286fc9e1c60628cb8b7b8b4647eb7c3142be0585b3894be2586c13.txt b/chunks/txt/24bf1aa3cb286fc9e1c60628cb8b7b8b4647eb7c3142be0585b3894be2586c13.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e357db17ac52e0e0b7541d7e08e10c31b976396d
--- /dev/null
+++ b/chunks/txt/24bf1aa3cb286fc9e1c60628cb8b7b8b4647eb7c3142be0585b3894be2586c13.txt
@@ -0,0 +1,31 @@
+Sign up for email updates
+
+Leave this field blank
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [](https://www.facebook.com/FHFA)
+ - [](https://www.x.com/FHFA)
+ - [](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [](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\/12716","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/24c13a5a17635d6be4ea7d9d4cb9d87aa7cd2fcc679510d3c0ca594ac08b5809.txt b/chunks/txt/24c13a5a17635d6be4ea7d9d4cb9d87aa7cd2fcc679510d3c0ca594ac08b5809.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d81a188042b6d4cca30eec0cdcea29a882e44c12
--- /dev/null
+++ b/chunks/txt/24c13a5a17635d6be4ea7d9d4cb9d87aa7cd2fcc679510d3c0ca594ac08b5809.txt
@@ -0,0 +1,42 @@
+• Display "Inconsistent Item -" followed by the SubjectToCompletionFeatureDescription (UID: 2800.0003, FID: 05.003.1)
+
+• An additional caption may be provided using ImageCaptionCommentDescription (UID: 1400.0943, FID: 05.003.2) and displays above the image
+
+following the SubjectToCompletionFeatureDescription.
+
+Additional Exhibits
+
+Dwelling Front
+
+• Deliver using ImageCategoryType (UID: 1400.0944, FID: 07.001.1) = “DwellingFront”.
+• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0943, FID: 07.001.2).
+
+• Display "Dwelling Front -" in bold font, followed by caption if provided
+
+Dwelling Rear
+
+• Deliver using ImageCategoryType (UID: 1400.0944, FID: 07.001.1) = “DwellingRear”.
+• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0943, FID: 07.001.2).
+
+• Display "Dwelling Rear -" in bold font, followed by caption if provided
+
+HUD Data Plate
+
+• Deliver using ImageCategoryType (UID: 1400.0944, FID: 07.001.1) = “ManufacturedHomeHUDDataPlate”.
+• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0943, FID: 07.001.2).
+
+• Display "HUD Data Plate -" in bold font, followed by caption if provided
+
+Page 30
+
+HUD Certification Label
+
+• Deliver using ImageCategoryType (UID: 1400.0944, FID: 07.001.1) = “ManufacturedHomeHUDCertificationLabel”.
+• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0943, FID: 07.001.2).
+
+• Display " HUD Certification Label -" in bold font, followed by caption if provided
+
+Manufactured Home Certification
+
+• Deliver using ImageCategoryType (UID: 1400.0944, FID: 07.001.1) = “ManufacturedHomeFinancingProgramEligibilityCertification”.
+• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0943, FID: 07.001.2).
diff --git a/chunks/txt/24cf260231ce95ea04fc20dd910b103698268ae2f1a54e0eb019ce65078b93e7.txt b/chunks/txt/24cf260231ce95ea04fc20dd910b103698268ae2f1a54e0eb019ce65078b93e7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f690a92893ac80f2d602c4715d7b93f920445a79
--- /dev/null
+++ b/chunks/txt/24cf260231ce95ea04fc20dd910b103698268ae2f1a54e0eb019ce65078b93e7.txt
@@ -0,0 +1,25 @@
+December 9, 2024
+
+[**FHFA’s Fall 2024 Econ Summit on Climate Risk**](https://www.fhfa.gov/blog/insights/fhfas-fall-2024-econ-summit-on-climate-risk)
+
+December 9, 2024
+
+## **Disaster Response and Assistance**
+
+In May 2019, FHFA formalized its agency-wide Disaster Response Team (DRT), which had been meeting informally for years prior. The DRT has experience coordinating with the regulated entities, other government agencies, external parties, and internal FHFA stakeholders during natural disasters. It is guided by a natural disaster response and recovery framework developed by FHFA in coordination with its regulated entities to support borrowers and renters affected by natural disasters. This framework incorporates forbearance and workout options for borrowers in areas impacted by natural disasters, tailoring options to their specific circumstances.
+
+For more information on disaster response and assistance: See [https://www.fhfa.gov/homeowners-and-homebuyers/mortgage-assistance/disaster-assistance](/homeowners-and-homebuyers/mortgage-assistance/disaster-assistance)
+
+## **RFI: Climate and Natural Disaster Risk Management at the Regulated Entities**
+
+[Link to Comments](/public-input/climate-and-natural-disaster-risk)
+
+[Link to RFI Synopsis](/document/2022_rfi-summary.pdf)
+
+## **Listening Session**
+
+On March 4, 2021, FHFA held a public listening session on Climate and Natural Disaster Risk Management at the Regulated Entities.
+
+[March 4, 2021 Listening Session](/news/videos/climate-and-natural-disaster-risk-management-at-the-regulated-entities)
+
+[March 4, 2021 Agenda](/document/climate-natural-disaster-risk-listeningsession-agenda)
diff --git a/chunks/txt/24e27c16dd1631f643cbe5e19031b0b8927ea5d0a07b489b99280816c05e366d.txt b/chunks/txt/24e27c16dd1631f643cbe5e19031b0b8927ea5d0a07b489b99280816c05e366d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ae8a33711fff2fc77bbcea551164638ca4a04ff3
--- /dev/null
+++ b/chunks/txt/24e27c16dd1631f643cbe5e19031b0b8927ea5d0a07b489b99280816c05e366d.txt
@@ -0,0 +1,3 @@
+PARTY Element ........................................................................................................................................................................................................................... 41
+
+INDIVIDUAL/LEGAL_ENTITY Element ......................................................................................................................................................................................... 42
diff --git a/chunks/txt/24e745ede77ab5aacfdd8b1008d11f63b91f27e860d51c2e5b1971726ef2c7c4.txt b/chunks/txt/24e745ede77ab5aacfdd8b1008d11f63b91f27e860d51c2e5b1971726ef2c7c4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5cd7311d5d810d17e8f695c8be68bfc6ec2fbac7
--- /dev/null
+++ b/chunks/txt/24e745ede77ab5aacfdd8b1008d11f63b91f27e860d51c2e5b1971726ef2c7c4.txt
@@ -0,0 +1,24 @@
+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.
+
+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/2501c94755075a64862bb96b50759578e562c1f9b3e8ba5865f45d02b58bfadc.txt b/chunks/txt/2501c94755075a64862bb96b50759578e562c1f9b3e8ba5865f45d02b58bfadc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e84ca4a18596ad72e110ca6e408a679279cbe6cc
--- /dev/null
+++ b/chunks/txt/2501c94755075a64862bb96b50759578e562c1f9b3e8ba5865f45d02b58bfadc.txt
@@ -0,0 +1,158 @@
+Free-form
+
+Assignment
+Information -
+Appraiser
+•
+
+Name 2.017
+
+The full name of the appraiser, as it appears on the
+Appraisal Subcommittee (ASC) National Registry.
+
+Appendix F-1: URAR Reference Guide
+
+Page 26 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+01 Summary
+
+Property Description
+
+Report
+Field ID
+
+1.012
+
+Report Label
+
+When Displayed in
+Summary Section
+
+Allowable Answers /
+Format
+
+Origin of Information
+(Section)
+
+Definition / Additional Guidance
+
+Summary: Property Description
+
+Construction
+Method
+
+When Structure
+Design is not High-
+rise, Mid-rise, or
+Low-rise
+
+Displays one or more
+allowable answers
+from the Definition /
+Additional Guidance
+column
+
+Dwelling Exterior, for
+each dwelling
+•
+
+Construction
+Method 8.011
+
+•
+Container
+• Manufactured
+• Modular
+•
+•
+•
+•
+
+On-Frame Modular
+Site Built
+3D Technology
+Other (Describe)
+
+1.013
+
+Attachment
+Type
+
+Always displays
+
+Attached or
+Detached
+
+1.014
+
+Structure Design When Attachment
+
+Type is Attached
+
+Displays an allowable
+answer from the
+Definition /
+Additional Guidance
+column
+
+Subject Property
+•
+
+Attachment Type
+3.004
+
+Dwelling Exterior
+•
+
+Structure Design
+8.002
+
+1.015
+
+Planned Unit
+Development
+(PUD)
+
+Checkbox always
+displays
+
+Yes | No
+
+Subject Property
+•
+Property in a
+PUD 3.010
+
+If there are multiple dwellings, or multiple
+Construction Methods for a dwelling, all display here.
+
+Type of attachment to a neighboring property.
+
+•
+High-rise
+• Mid-rise
+•
+Low-rise
+•
+Rowhouse / Townhouse
+•
+Semi-Detached
+•
+Other (Describe)
+
+Appendix F-1: URAR Reference Guide
+
+Page 27 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+01 Summary
+
+Report
+Field ID
diff --git a/chunks/txt/2504c6795d44bebd1ac7362d3d39537aa850d0067daf1f43b3424177dc07413f.txt b/chunks/txt/2504c6795d44bebd1ac7362d3d39537aa850d0067daf1f43b3424177dc07413f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a8c4c8f2943329eea39de3864392fd4982eacb65
--- /dev/null
+++ b/chunks/txt/2504c6795d44bebd1ac7362d3d39537aa850d0067daf1f43b3424177dc07413f.txt
@@ -0,0 +1,71 @@
+Explain the results of the analysis of the contract for sale or why the analysis was not
+performed.
+
+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.
+UAD Requirement - Refer to Appendix D Contract Section
+Whole dollars only.
+UAD Requirement - Refer to Appendix D Contract Section
+
+Data Format:
+yyyy-mm-dd
+
+PDF Display Format:
+mm/dd/yyyy
+
+R
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+T
+
+CR
+
+If field 1-32 (Appraisal Purpose Type =
+'Purchase') is indicated, then one and only one
+of fields 1-41, 1-42 (values of Sales Contract
+Reviewed Indicator) must be indicated.
+If field 1-32 (Appraisal Purpose Type =
+'Purchase') is indicated, then one and only one
+of fields 1-41, 1-42 (values of Sales Contract
+Reviewed Indicator) must be indicated.
+
+This field must be populated if field 1-32
+(Appraisal Purpose Type = 'Purchase') is
+indicated.
+
+This field must be populated if field 1-32
+(Appraisal Purpose Type = 'Purchase') is
+indicated.
+
+This field is required if field 1-32 (Appraisal
+Purpose Type = 'Purchase') is indicated.
+
+This field is required if field 1-32 (Appraisal
+Purpose Type = 'Purchase') is indicated.
+
+If field 1-32 (Appraisal Purpose Type =
+'Purchase') is indicated, then one and only one
+of fields 1-46, 1-47 must be indicated.
+If field 1-32 (Appraisal Purpose Type =
+'Purchase') is indicated, then one and only one
+of fields 1-46, 1-47 must be indicated.
+This field should be populated if field 1-32
+(Appraisal Purpose Type = 'Purchase') is
+indicated.
diff --git a/chunks/txt/2504fa6586d5bafe1a3427f21b33fc6b75e578c21b2d22e3a4da5b3a8588b533.txt b/chunks/txt/2504fa6586d5bafe1a3427f21b33fc6b75e578c21b2d22e3a4da5b3a8588b533.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7079ee5cd78577fc0fcf8bba9e84593f4a54a4cf
--- /dev/null
+++ b/chunks/txt/2504fa6586d5bafe1a3427f21b33fc6b75e578c21b2d22e3a4da5b3a8588b533.txt
@@ -0,0 +1,60 @@
+There is other information that the appraiser must input directly into the Income Approach section.
+
+Appendix F-1: URAR Reference Guide
+
+Page 302 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Grayed out Cells
+
+24 Income Approach
+
+Information that is never applicable for the subject property is grayed out in the GRM comparison grid.
+Example:
+• Data Source, Proximity to Subject and Comparable Weight are not applicable for the subject property and are always grayed out.
+
+How Rows Display in the GRM Comparison Grid
+
+There are three ways that rows display in the GRM comparison grid depending on characteristics of the subject and / or comparables.
+• Rows that always display (e.g., Property Address, Sale Price, and Gross Monthly Rent), or
+• A row that displays if applicable based on property characteristics (Accessory Dwelling Units), or
+• Rows that may display if relevant to support analysis and conclusions.
+
+Examples:
+
+Report Label
+
+Row Always Displays
+
+Row Displays if Applicable
+(Conditionally Displays)
+
+Row Displays if Relevant
+(May Display)
+
+Units Excluding ADUs
+
+√
+
+Accessory Dwelling Units
+
+When the subject or any GRM comparable
+has ADUs
+
+Gross Building Finished Area
+For a full list, see Appendix F-1: URAR Reference Guide Supplement - Summary of Rows in Comparable Grids.
+
+√
+
+General Guidance on Rows that May Display
+
+Some rows display on the GRM comparison grid if relevant:
+• To report meaningful attributes, or
+• To support conclusions, scope of work, or policy.
+
+Notes:
+• These rows must be brought into the GRM comparison grid when there is relevant and meaningful information for the subject and all
+comparables, and adding the row leads to credible results. Not reporting a meaningful attribute can be misleading by omission.
diff --git a/chunks/txt/25063b8dcf1d3fc8bde889cc24ae54b1dc4242c3455f4d7abe3b534e16cd5f0f.txt b/chunks/txt/25063b8dcf1d3fc8bde889cc24ae54b1dc4242c3455f4d7abe3b534e16cd5f0f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..eb3dfb6bfe3fd87d215059968af88449f707db18
--- /dev/null
+++ b/chunks/txt/25063b8dcf1d3fc8bde889cc24ae54b1dc4242c3455f4d7abe3b534e16cd5f0f.txt
@@ -0,0 +1,219 @@
+2024 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/2520e5e37d46fbcff76227d0e6559837a8993dac6594353f5fb61e84afeffb57.txt b/chunks/txt/2520e5e37d46fbcff76227d0e6559837a8993dac6594353f5fb61e84afeffb57.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9e62b8928e47cbb51db6bc8d36980bfdb31c8188
--- /dev/null
+++ b/chunks/txt/2520e5e37d46fbcff76227d0e6559837a8993dac6594353f5fb61e84afeffb57.txt
@@ -0,0 +1,97 @@
+Functional
+ 31
+
+Physical
+ 29
+
+External
+ 33 =$( 34 )
+
+Estimated Remaining Economic Life (HUD and VA only) 13
+
+Years
+
+Indicated Value By Cost Approach ............................................ =$ 37
+
+Estimated Monthly Market Rent $ 38
+Summary of Income Approach (including support for market rent and GRM) 41
+
+X Gross Rent Multiplier 39
+
+= $ 40
+
+Indicated Value by Income Approach
+
+INCOME APPROACH TO VALUE (not required by Fannie Mae)
+
+I
+N
+C
+O
+M
+E
+
+PROJECT INFORMATION FOR PUDs (if applicable)
+
+42
+
+Is the developer/builder in control of the Homeowners’ Association (HOA)? Yes No Unit type(s) Detached Attached
+Provide the following information for PUDs ONLY if the developer/builder is in control of the HOA and the subject property is an attached dwelling unit.
+Legal name of project 46
+Total number of phases 47
+Total number of units rented 50
+Was the project created by the conversion of an existing building(s) into a PUD? Yes No If Yes, date of conversion 55
+Does the project contain any multi-dwelling units? Yes No Data source(s) 58
+Are the units, common elements, and recreation facilities complete? Yes No If No, describe the status of completion. 61
+
+Total number of units sold 49
+Data source(s) 52
+54
+53
+
+Total number of units 48
+Total number of units for sale 51
+
+56
+
+57
+
+44
+
+45
+
+43
+
+60
+
+59
+
+Are the common elements leased to or by the Homeowners’ Association? Yes No If Yes, describe the rental terms and options. 64
+
+63
+
+62
+
+P
+U
+D
+
+I
+N
+F
+O
+R
+M
+A
+T
+I
+O
+N
+
+Describe common elements and recreational facilities 65
+
+Freddie Mac Form 70 March 2005 226
+
+Page 3 of 6
+
+Fannie Mae Form 1004 March 2005
diff --git a/chunks/txt/2537f2f5e22651b9f17ba9e9422a226b250f533f87ee9275eee377927140b1b2.txt b/chunks/txt/2537f2f5e22651b9f17ba9e9422a226b250f533f87ee9275eee377927140b1b2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dddf6693a152cc58dc3537d27051d1378971cce2
--- /dev/null
+++ b/chunks/txt/2537f2f5e22651b9f17ba9e9422a226b250f533f87ee9275eee377927140b1b2.txt
@@ -0,0 +1,106 @@
+Conditionality Description
+
+Data Field
+Conditionality 1004/70
+
+Data Field
+Conditionality 1004
+Hybrid/70H
+
+Data Field
+Conditionality 1004
+Desktop/70D
+
+314
+
+2
+
+62
+
+SALES
+COMPARISON
+APPROACH
+
+Site
+
+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_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/SALE_PRICE_ADJUSTMENT[@_Type='Site
+Area']/@_Description
+
+20
+
+String
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+The total size of the entire site/parcel must be entered. No other data should be
+entered in this field. For sites/parcels that have an area of less than 1 acre, the
+size must be reported in square feet (whole numbers only, e.g., 27840 sf).
+Sites/parcels that have an area of 1.00 acre or greater must be reported in
+acreage to two decimal places (e.g., 8.35 ac).
+
+PDF Display Format:
+If less than 1 acre: Square feet, whole numbers only. If 1.00 acre or more:
+Acres, numeric to 2 decimal places. Indicate the unit of measure as either 'sf'
+for square feet or 'ac' for acres as appropriate.
+
+Examples:
+· 6400 sf
+· 3.40 ac
+
+R
+
+R
+
+R
+
+315
+
+2
+
+63
+
+SALES
+COMPARISON
+APPROACH
+
+Site 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.
+
+316
+
+2
+
+e-5
+
+SALES
+COMPARISON
+APPROACH
+
+View
+
+(Overall Rating)
+
+GSE View Overall
+Rating Type
+
+The overall rating of the view
+associated with the property.
diff --git a/chunks/txt/254132db2cca6dd2c02c502ce0e4f13ae428622d1e8afd6fbb89ab3caf5a4827.txt b/chunks/txt/254132db2cca6dd2c02c502ce0e4f13ae428622d1e8afd6fbb89ab3caf5a4827.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d544a031178ef40a70d140918480f6d2724fe834
--- /dev/null
+++ b/chunks/txt/254132db2cca6dd2c02c502ce0e4f13ae428622d1e8afd6fbb89ab3caf5a4827.txt
@@ -0,0 +1,39 @@
+A DefectComponentLabelType is used for reporting defects with an outbuilding. Each of these DEFECT containers are linked to the instance
+of the IMPROVEMENT container (ImprovementType = “Outbuilding” and applicable OutbuildingType) where the defect is identified.
+
+Page 59
+
+• Exterior Walls and Trim
+• Foundation
+• Mechanical System
+• Roof
+• Windows
+• Flooring
+• Walls and Ceiling
+• Other (Describe)
+
+DefectComponentLabelType = “Other” and DefectComponentLabelTypeOtherDescription are used to report defects that are pertaining to
+other components of the outbuilding. The DEFECT containers are linked to the appropriate instance of the IMPROVEMENT container
+(ImprovementType = “Outbuilding” and the applicable OutbuildingType).
+
+Vehicle Storage
+
+• Defects identified with vehicle storage do not require DefectComponentLabelType as the DEFECT container is linked to the specific
+
+instance of the CAR_STORAGE container. The CarStorageType provides the context.
+
+• Defects identified with vehicle storage must be linked to the given vehicle storage where the defect is identified. For example, the
+instance of the DEFECT container that represents defect with a driveway must be linked to the instance of the CAR_STORAGE
+container with CarStorageType = “Driveway”.
+
+• When multiple defects are identified with an instance of vehicle storage, each of these DEFECT containers must be linked to the
+
+same instance of the CAR_STORAGE container.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Subject Property Amenities
+
+Page 60
+
+• Defects identified with subject property amenities do not require DefectComponentLabelType as the DEFECT container is linked to
diff --git a/chunks/txt/254a1bd67ad8a2a4b05692d33eca767ab86a5e5746e8477d58190a07bcced4b4.txt b/chunks/txt/254a1bd67ad8a2a4b05692d33eca767ab86a5e5746e8477d58190a07bcced4b4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..199c9540a7ed3eb2b966cd3eff6dc438443e6eb0
--- /dev/null
+++ b/chunks/txt/254a1bd67ad8a2a4b05692d33eca767ab86a5e5746e8477d58190a07bcced4b4.txt
@@ -0,0 +1,188 @@
+$3,600
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+Structure ID | Unit ID
+
+Building 1 | Unit D
+
+Building 1 | Unit D
+
+Building 1 | Unit 4
+
+Building 1 | Unit 4
+
+Bedrooms
+
+Baths - Full | Half
+
+Finished Area Above Grade
+
+Finished Area Below Grade
+
+2
+
+2 | 0
+
+2
+
+2 | 0
+
+2
+
+2 | 0
+
+2
+
+2 | 0
+
+1,190 Sq. Ft.
+
+1,300 Sq. Ft.
+
+$(9,900)
+
+1,350 Sq. Ft.
+
+$(14,400)
+
+1,150 Sq. Ft.
+
+$3,600
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 17 of 26
+Page 17 of 26
+
+Sales Comparison Approach (continued)
+
+Property Address
+
+171 Cowboy Ln
+Anyplace, TX 01234
+
+181 Cattledrive St
+Anyplace, TX 01234
+
+123 Something Pl
+Anyplace, TX 01234
+
+341 Nothing Dr
+Anyplace, TX 01234
+
+Subject Property
+
+Comparable #1
+
+Comparable #2
+
+Comparable #3
+
+Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Exterior Quality and Condition
+
+Building 1
+
+Building 1
+
+Building 1
+
+Building 1
+
+Interior Quality and Condition
+
+Structure ID | Unit ID
+
+Building 1 | Unit A
+
+Structure ID
+
+Quality
+
+Condition
+
+Quality
+
+Condition
+
+Walls and Ceiling
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Building 1 | Unit A
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Building 1 | Unit 1
+
+Q4
+
+C3
+
+Q4
+
+C4
+
+Building 1 | Unit 1
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Well maintained with
+minimal depreciation
+
+Well maintained with
+minimal depreciation
+
+Adequately maintained with
+moderate depreciation
+
+Well maintained with
+minimal depreciation
+
+Structure ID | Unit ID
+
+Building 1 | Unit B
+
+Building 1 | Unit B
+
+Building 1 | Unit 2
+
+Building 1 | Unit 2
+
+Quality
diff --git a/chunks/txt/254b71223e9c46e635713581b634ef62fd57f2e734452e024a9c300ce75608de.txt b/chunks/txt/254b71223e9c46e635713581b634ef62fd57f2e734452e024a9c300ce75608de.txt
new file mode 100644
index 0000000000000000000000000000000000000000..15dde6d726654b148d73ca6f8951613152c7a0d3
--- /dev/null
+++ b/chunks/txt/254b71223e9c46e635713581b634ef62fd57f2e734452e024a9c300ce75608de.txt
@@ -0,0 +1,101 @@
+More information will be provided once a DU release date is confirmed, including Release Notes and integration impact.
+
+How will this affect my integrated system?
+The updates described below will be available in a future update of DU Version 11.0 and DU for government loans. No action
+is required until further notice.
+
+Any changes to these data elements implemented in your system(s) and submitted to DU prior to the update will impact loan
+casefile submissions.
+
+Unique ID
+
+MISMO v3.4 Data Point Name
+
+DU Supported
+Enumerations
+
+Update(s)
+
+17.0024
+
+PurchaseCreditTypeOtherDescription
+
+BorrowerPaidFees
+
+Conditionality Statement
+DU Legacy Reference Mapping
+Implementation Notes
+DU Supported Enumeration
+
+© 2021 Fannie Mae
+
+08.20.21 1 of 6
+
+Unique ID
+
+MISMO v3.4 Data Point Name
+
+16.0035
+
+FundsSourceType
+
+5.0270
+
+PurchaseCreditSourceType
+
+5.0271
+
+PurchaseCreditSourceTypeOtherDescription
+
+DU Supported
+Enumerations
+
+Employer
+PropertySeller
+Institutional
+NonParentRelative
+
+BorrowerPaidOutsideClosing
+BuilderDeveloper
+Other
+RealEstateAgent
+
+EmployerAffiliate
+LenderAffiliate
+OtherInterestedParty
+
+5.0187
+
+FundsSourceType
+
+NonParentRelative
+
+4.0014
+
+OwnershipInterestType
+
+4.0126
+4.0026
+4.0027
+
+EmploymentMonthlyIncomeAmount
+IncomeType
+CurrentIncomeMonthlyTotalAmount
+
+Update(s)
+
+Conditionality
+Conditionality Statement
+DU Supported Enumerations
+
+DU will no longer consider Institutional
+and/or Nonparent Relative funds source
+types in the submitted loan application
+
+New for DU Data Point and Enumerations
+
+New for DU Data Point and Enumerations
+
+Conditionality Statement
+DU Supported Enumeration
+DU Legacy Reference Mapping
diff --git a/chunks/txt/254c674ef3f51294444556ba0e42fbb83d44dc322d99d021b725e594d5d60b49.txt b/chunks/txt/254c674ef3f51294444556ba0e42fbb83d44dc322d99d021b725e594d5d60b49.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d12ee49a3f24b5354f627fc239b274b20b7b46cb
--- /dev/null
+++ b/chunks/txt/254c674ef3f51294444556ba0e42fbb83d44dc322d99d021b725e594d5d60b49.txt
@@ -0,0 +1,311 @@
+PhysicalMeasurement
+
+MLS
+
+XY-324811
+
+MLS
+
+XY-123994
+
+MLS
+
+XY-238849
+
+MLS
+
+XY-347981
+
+MLS
+
+XY-324819
+
+MLS
+
+XY-324720
+
+MLS
+
+XY-234895
+
+MLS
+
+XY-213840
+
+MLS
+
+XY-258927
+
+MLS
+
+XY-324811
+
+MLS
+
+XY-123994
+
+MLS
+
+XY-238849
+
+MLS
+
+Cowboy County MLS
+
+171 Cowboy Ln
+
+Anyplace
+
+Cowboy
+
+01234
+
+TX
+
+800
+
+Detached
+
+Carport
+
+4
+
+\\Images\Carport.png
+
+image/png
+
+Driveway
+
+Concrete
+
+4
+
+false
+
+\\Images\Carport.png
+
+image/png
+
+None
+
+false
+
+false
+
+false
+
+None
+
+None
+
+false
+
+true
+
+false
+
+Dwelling
+
+2014
+
+false
+
+None
+
+Carpet
+
+TypicalWearAndTear
+
+CeramicTile
+
+TypicalWearAndTear
+
+Flooring
+
+NotUpdated
+
+TypicalWearAndTear
+
+Well maintained with minimal depreciation
+
+WallsAndCeiling
+
+EightFeet
+
+Flat
+
+AboveGrade
+
+1190
+
+LevelOne
+
+0
+
+0
+
+0
+
+0
+
+0
+
+1190
+
+0
+
+1190
+
+false
+
+2
+
+1
+
+2
+
+0
+
+C3
+
+Q4
+
+1
+
+NotUpdated
+
+Unit A
+
+true
+
+false
+
+Tenant
+
+true
+
+Carport
+
+1
+
+Driveway
+
+1
+
+Patio
+
+Amenities
+
+Bath 1
+
+\\Images\UnitABath1.png
+
+image/png
+
+LevelOne
+
+TypicalWearAndTear
+
+FullBathroom
+
+NotUpdated
+
+Bath 2
+
+\\Images\UnitABath2.png
+
+image/png
+
+LevelOne
+
+TypicalWearAndTear
+
+FullBathroom
+
+NotUpdated
+
+Bedroom 1
+
+\\Images\UnitABedroom1.png
+
+image/png
+
+LevelOne
+
+Bedroom
+
+Bedroom 2
+
+\\Images\UnitABedroom2.png
+
+image/png
+
+LevelOne
+
+Bedroom
+
+\\Images\UnitADiningRoom.png
+
+image/png
+
+LevelOne
+
+DiningRoom
+
+\\Images\UnitAKitchen.png
+
+image/png
+
+LevelOne
+
+TypicalWearAndTear
+
+Kitchen
+
+NotUpdated
+
+\\Images\UnitALivingRoom.png
+
+image/png
+
+LevelOne
+
+LivingRoom
+
+2.10
+
+false
+
+2022-06-01
+
+false
+
+No
+
+false
+
+false
+
+2500
+
+2600
+
+true
+
+None
+
+Carpet
+
+TypicalWearAndTear
+
+CeramicTile
+
+TypicalWearAndTear
+
+Flooring
+
+NotUpdated
+
+TypicalWearAndTear
+
+Well maintained with minimal depreciation
diff --git a/chunks/txt/25532e2e4e0b1aaeb6d4362f8c0c4b6d3eed73b5d55b275cc0ac0245698e25ca.txt b/chunks/txt/25532e2e4e0b1aaeb6d4362f8c0c4b6d3eed73b5d55b275cc0ac0245698e25ca.txt
new file mode 100644
index 0000000000000000000000000000000000000000..827f36a14418a356a32f12cb6595f81260901401
--- /dev/null
+++ b/chunks/txt/25532e2e4e0b1aaeb6d4362f8c0c4b6d3eed73b5d55b275cc0ac0245698e25ca.txt
@@ -0,0 +1,185 @@
+IngroundPool
+
+WaterFeatures
+
+0
+
+Detached
+
+1
+
+true
+
+1
+
+C4
+
+Q4
+
+false
+
+true
+
+FeeSimple
+
+false
+
+false
+
+true
+
+true
+
+2019-07-02
+
+10400
+
+2019-08-31
+
+520000
+
+Sale
+
+None
+
+false
+
+Topography
+
+Flat
+
+Residential
+
+16039
+
+Full
+
+Residential
+
+101 Somewhere Ln
+
+Treeville
+
+12345
+
+VA
+
+1
+
+Active
+
+Inferior quality and non-similar location
+
+true
+
+Proximity
+
+Quality
+
+955 Black Swan Rd
+
+Treeville
+
+12345
+
+VA
+
+2
+
+Pending
+
+Superior quality and located further from subject
+
+true
+
+Proximity
+
+Quality
+
+325 Summit Ct
+
+Treeville
+
+12345
+
+VA
+
+3
+
+SettledSale
+
+Located further from subject
+
+true
+
+Proximity
+
+2019-08-21
+
+Sale
+
+7464 Blank Ln
+
+Treeville
+
+12345
+
+VA
+
+4
+
+SettledSale
+
+Had 5 bedrooms, but because it was larger and farther away, it was not used.
+
+true
+
+Proximity
+
+GrossLivingArea
+
+2019-06-02
+
+Sale
+
+8718 Mover Ln
+
+Treeville
+
+12345
+
+VA
+
+5
+
+SettledSale
+
+Property has a media room and wet bar, but is larger and of superior quality.
+
+true
+
+GrossLivingArea
+
+Quality
+
+2019-07-13
+
+Sale
+
+1234567
+
+Client
+
+Nowhere432156
+
+ValuationSoftwareVendor
+
+543234
+
+ManagementCompany
+
+NotNecessaryForCredibleResults
+
+NotNecessaryForCredibleResults
+
+Comps 1 and 2 were from the same neighborhood as the Subject. Comp 3 not given as much weight because of different subdivision. Condition Rating adjustments were made to all comps due to the subject's flooring having stained carpets and no updates. Comp 1 also had a partially updated kitchen which was accounted for in the Condition Rating adjustment. Sales with property characteristics of 5 bedrooms, media room and wet bar were in the competitive market area, exhibited in #4 and 5 of the Additional Properties Analyzed Not Used, but were not as comparable since they were larger, farther away, and superior quality.
diff --git a/chunks/txt/2556cf9c24439cd37225602624659abc6c449b13794b2b286ee4ff715062d65b.txt b/chunks/txt/2556cf9c24439cd37225602624659abc6c449b13794b2b286ee4ff715062d65b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2f13ddc40a79982a7e5b1cad73bf9c695740bd29
--- /dev/null
+++ b/chunks/txt/2556cf9c24439cd37225602624659abc6c449b13794b2b286ee4ff715062d65b.txt
@@ -0,0 +1,93 @@
+Loan Acceptance
+You do not have to accept this loan because you have
+received this form or signed a loan application.
+
+Refinance
+Refinancing the loan will depend …
+
+Tax Deductions
+If you borrow more than this property is worth…,
+
+Figure 136. Additional Information about This Loan – Other Disclosures
+
+22.1 Liability after Foreclosure requires lenders to disclose:
+
+a. Whether State law may offer borrowers protection from liability for the unpaid loan balance if the
+
+lender forecloses on the loan, as indicated by the checked box.
+
+b. That any protection afforded under State law may be lost if the borrower refinances the loan or incurs
+
+additional debt on the property.
+
+c. That the consumer should consult an attorney for additional information.
+
+Appendix E: UCD Implementation Guide
+
+Page 222 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+22.0 Other Disclosures
+
+The data points used to support 22.1 Other Disclosures are shown in the table below in XML order. The value of
+the XML data point, Document Signature Required Indicator is included.
+
+Loan Disclosures and Other Disclosures
+SUPPORTING DATA POINTS
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0
+Value
+
+Notes
+
+22.1 state law may
+
+ state law does not
+
+UID
+0.051
+
+N/A XML
+
+…/LOAN/FORECLOS
+URES/FORECLOSURE
+/FORECLOSURE_DET
+AIL
+
+…/DOCUMENT/
+/DOCUMENT_CLASS
+IFICATION/DOCUME
+NT_CLASSIFICATION
+_DETAIL/EXTENSION
+/OTHER
+
+DeficiencyRightsPre
+servedIndicator
+
+false
+
+ROF as “ state law may”
+
+gse:DocumentSignat
+ureRequiredIndicato
+r
+
+false
+
+A value of “false” means
+the Loan Acceptance
+disclosure must be
+included in Section 22.0.
diff --git a/chunks/txt/255805580880c7ad57b684528c4371d182fd455b99a66bdae6eb448e48ad03c9.txt b/chunks/txt/255805580880c7ad57b684528c4371d182fd455b99a66bdae6eb448e48ad03c9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9612af4016ebb0adb7ed2221ece7e6838edee2b7
--- /dev/null
+++ b/chunks/txt/255805580880c7ad57b684528c4371d182fd455b99a66bdae6eb448e48ad03c9.txt
@@ -0,0 +1,48 @@
+The update implemented in this release does not require changes by integrated partners. However, if you have not currently
+implemented a process to obtain Equifax/TWN reports using the Reference ID field, you may want to consider doing so.
+
+Pertinent DU MISMO Version 3.4 Data Points
+
+Unique ID
+
+XPath
+
+MISMO v3.4 Data Point Name
+
+4.0316
+
+4.0317
+
+4.0318
+
+MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/EXTENSION/OTHER/DU:LO
+AN_EXTENSION/DU:UNDERWRITING_VERIFICATIONS/DU:UNDERWRITING_VERIFICATION
+
+DU:VerificationReportSupplierType
+
+MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/EXTENSION/OTHER/DU:LO
+AN_EXTENSION/DU:UNDERWRITING_VERIFICATIONS/DU:UNDERWRITING_VERIFICATION
+
+DU:VerificationReportIdentifier
+
+MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/EXTENSION/OTHER/DU:LO
+AN_EXTENSION/DU:UNDERWRITING_VERIFICATIONS/DU:UNDERWRITING_VERIFICATION
+
+DU:VerificationReportType
+
+© 2023 Fannie Mae 1.5.23
+
+1 of 2
+
+Snippet of a Sample DU MISMO v3.4 File
+Below is a snippet from a sample DU MISMO v3.4 file for a loan that contains a fictitious Equifax Reference ID. DU will try to pull
+the Verification of Employment and Income report as well as the Tax Transcript report for the borrower(s) in the loan application
+using the Reference ID provided.
+
+Release Support
+The DU validation service changes will be implemented in the DU integration environment on or about January 18, 2023.
+Integration partners will be notified via e-mail from Integration News (integration_news@fanniemae.com) after implementation.
+
+If you have questions about the Integration Impact Memo or if you require support specific to this release, contact Integration
+Support. For more information about the DU validation service, visit the DU validation service page or contact your Fannie Mae
+representative.
diff --git a/chunks/txt/255c36eda703ee8357cf65a9815fe5b18074541a577a0d62cb162c619a581fc8.txt b/chunks/txt/255c36eda703ee8357cf65a9815fe5b18074541a577a0d62cb162c619a581fc8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8cb819450f57dd86f339724febdb87fbab81a2e3
--- /dev/null
+++ b/chunks/txt/255c36eda703ee8357cf65a9815fe5b18074541a577a0d62cb162c619a581fc8.txt
@@ -0,0 +1,103 @@
+99
+
+PROJECT SITE
+
+100
+
+PROJECT SITE
+
+101
+
+PROJECT SITE
+
+Is the highest and best use of
+subject as improved (or as
+proposed per plans and
+specifications) the present use?
+Yes
+
+Is the highest and best use of
+subject as improved (or as
+proposed per plans and
+specifications) the present use?
+No
+
+Is the highest and best use of
+subject as improved (or as
+proposed per plans and
+specifications) the present use?
+If No, describe
+
+Highest Best Use
+Indicator
+
+Indicates that the present use is the
+highest and best of the site as improved.
+
+/VALUATION_RESPONSE/PROPERTY/SITE[@HighestBestUseIndicator='Y']
+
+Highest Best Use
+Indicator
+
+Indicates that the present use is the
+highest and best of the site as improved.
+
+/VALUATION_RESPONSE/PROPERTY/SITE[@HighestBestUseIndicator='N']
+
+1
+
+1
+
+Boolean
+
+Boolean
+
+Highest Best Use
+Description
+
+Specifies a use, other than the present use,
+that would constitute a higher and best
+use of the site.
+
+/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.
+
+108
+
+1
+
+102
+
+PROJECT SITE
+
+Utilities
+Electricity
+Public
+
+Utilities
+Electricity
+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='Electr
+icity']/@_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='Electr
+icity']/@_NonPublicIndicator
diff --git a/chunks/txt/25691a05336327e2a68885eb1c9be3f662a89d6b19d70704ef5843bf79217f36.txt b/chunks/txt/25691a05336327e2a68885eb1c9be3f662a89d6b19d70704ef5843bf79217f36.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4490d0c9f7c05cb4a5972211d0b639f4da97079a
--- /dev/null
+++ b/chunks/txt/25691a05336327e2a68885eb1c9be3f662a89d6b19d70704ef5843bf79217f36.txt
@@ -0,0 +1,70 @@
+17. 5 PARTI AL PAYMENT S
+
+Partial Payments provides a statement indicating whether the creditor accepts periodic payments that are less
+than the full amount due. If accepted, the lender must disclose whether they are applied immediately or held in
+a separate account until the full payment is received. Additionally, the lender must disclose that, if the loan is
+sold, the new creditor may have a different policy.
+
+17. 6 SECURI TY I NTEREST
+
+Security Interest requires the lender to re-state the information regarding the subject property being held for
+collateral provided on page 1 of the Closing Disclosure under 1.6 Property, and include a description of the real
+and personal property, if applicable, even if personal property was not listed on page 1 due to lack of space. The
+purpose of this additional disclosure is to:
+
+Appendix E: UCD Implementation Guide
+
+Page 188 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+17.0 Loan Disclosures
+
+1.
+
+Inform the borrower(s) that the lender has taken a security interest in the property that secures the
+transaction or in property not purchased as part of the transaction,
+
+2.
+
+Identify the property, and
+
+3. State that the consumer may lose the property if he or she does not make payments or satisfy other
+
+requirements.
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Extension
+
+MISMO v3.3.0 Value
+
+Notes
+
+Table 125. Loan Disclosures
+
+17.3 … a late fee of ___
+
+17.3
+
+If your payment is
+more than __ days
+late…
+
+17.3 … a late fee of ___
+
+First instance of LATE_CHARGE_RULE
+
+…/LATE_CHARGE/EX
+TENSION/OTHER/gse
+:LATE_CHARGE_RULE
+S/gse:LATE_CHARGE
+_RULE
diff --git a/chunks/txt/256b59325ef63195b793c590ddafa0e4f06040348541667fc7588e75ce42e2c9.txt b/chunks/txt/256b59325ef63195b793c590ddafa0e4f06040348541667fc7588e75ce42e2c9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..80f365e00116d69b43b3078cb34034a096f9362e
--- /dev/null
+++ b/chunks/txt/256b59325ef63195b793c590ddafa0e4f06040348541667fc7588e75ce42e2c9.txt
@@ -0,0 +1,62 @@
+For questions or support, please contact acquisitions_loan_delivery@fanniemae.com
+
+Feb 24,
+2025
+
+ULI Data
+Validation
+
+Effective February 24, 2025, Loan Delivery will introduce new warning edits 2821, 2855, 2856,
+and 2857 to support the delivery of the Universal Loan Identifier (ULI) when
+applicable. These edits apply to Sort ID 403.1 and will be fatal April 21, 2025. See
+ULDD Phase 5 Implementation Considerations for details.
+
+Feb 24,
+2025
+
+Edit Updates See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing
+
+of effective edit updates including:
+
+•
+•
+
+•
+
+1 new informational edit for appraiser validation
+11 edits new warning edits to validate ULI (see above for details), borrower mailing
+address, and hybrid appraisal
+1 new fatal edit and 1new file validation rule to prevent submitting NPI data in non-
+NPI fields
+
+Mar 22,
+2025
+
+Hybrid
+Appraisal
+
+Fannie Mae recently announced an expansion to the hybrid appraisal policy effective March
+22, 2025. To support this announcement, Loan Delivery will introduce new edits and update
+existing edits to ensure hybrid appraisal eligibility. See Selling Guide Announcement (SEL-
+2025-01) and Loan Delivery Business Rules for more details.
+
+Mar 24,
+2025
+
+Mar 24,
+2025
+
+Mar 24,
+2025
+
+Windows 11
+
+The Loan Delivery User Interface (UI) is now compatible with Windows® 11 and remains
+compatible with Windows 10 and 8.1
+
+ULDD Phase 5
+Updates
+
+SID 398.3 Wire Instruction Reference Identifier is now available in LDTE and Production on
+March 24, 2025. Please see the updated ULDD Phase 5 Implementation Considerations for
+details.
diff --git a/chunks/txt/256d86d004d9ef7e358c31d95a4eeca87a8c4cd6e62521dffcfb4ed213f87e03.txt b/chunks/txt/256d86d004d9ef7e358c31d95a4eeca87a8c4cd6e62521dffcfb4ed213f87e03.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ec379e6cd7aa726f76c4789ce90d79bc5dce1f77
--- /dev/null
+++ b/chunks/txt/256d86d004d9ef7e358c31d95a4eeca87a8c4cd6e62521dffcfb4ed213f87e03.txt
@@ -0,0 +1,60 @@
+Number
+
+Number of dwellings on the property. A dwelling is a structure designed to be
+used as a residence that contains one or more living units.
+
+Notes:
+•
+
+•
+
+Dwellings Containing Units only displays when there is more than 1 living
+unit (Units Excluding ADUs is more than 1).
+An outbuilding is a structure other than a dwelling (e.g., barn, shed,
+bunkhouse, standalone ADU). Outbuildings are not included in Dwellings
+Containing Units. A detached garage with an ADU would not be captured
+here.
+
+Examples:
+•
+•
+•
+
+Enter 1 for a 2-unit property where both units are in the same building.
+Enter 1 for a 3-unit property where all units are in the same building.
+Enter 2 for a 2-unit property where each unit is in a separate building.
+
+Allowable Answer
+
+Attached
+
+Detached
+
+Attachment Type (Choose one)
+
+Definition / Additional Guidance
+
+Residential dwelling that has a common wall or other direct physical connection with another dwelling or structure that
+has a different legal description.
+Examples:
+•
+•
+•
+•
+
+Rowhouse or townhouse
+Semi-Detached (sometimes referred to as a “duplex” or “twin”)
+Property that is in a high-rise, mid-rise, or low-rise building
+2- to 4-unit property attached to a neighboring property
+
+Residential dwelling under a single legal description that has no common wall or other direct physical connection with
+another dwelling or structure.
+Examples:
+•
+•
+•
+
+Single-family detached
+2- to 4-unit property not attached to a neighboring property
+A condo or co-op where there are no shared walls, floor, or ceiling with another unit (sometimes referred to as a
+“detached condo”)
diff --git a/chunks/txt/2587655fe3df7e0633c75fbd4df597d8ebd671f6dcad194926bb86cd17909448.txt b/chunks/txt/2587655fe3df7e0633c75fbd4df597d8ebd671f6dcad194926bb86cd17909448.txt
new file mode 100644
index 0000000000000000000000000000000000000000..63a0b28509773f00d6e3c33a28ae828751f1ab23
--- /dev/null
+++ b/chunks/txt/2587655fe3df7e0633c75fbd4df597d8ebd671f6dcad194926bb86cd17909448.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/programs/enterprise-affordable-housing-goals"
+date_accessed: "2026-01-27T17:54:20.501Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/258cd7c7ae6c5440a2263d4b71a13e43289536c1ff07a95f30704ea5d28ba49e.txt b/chunks/txt/258cd7c7ae6c5440a2263d4b71a13e43289536c1ff07a95f30704ea5d28ba49e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..189e0a7723f2ab2424d2ec892d8f8b3d4530c39c
--- /dev/null
+++ b/chunks/txt/258cd7c7ae6c5440a2263d4b71a13e43289536c1ff07a95f30704ea5d28ba49e.txt
@@ -0,0 +1,28 @@
+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).
+
+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 AA12345Client Reference ID AB12345AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 3 (SF3)
+
+Uniform Residential Appraisal Report
+
+Page 23 of 23
+
+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.
diff --git a/chunks/txt/2596f8a4c2255e76f1e0f63ccc2e514f6ede9785caedf923d432a8c0b381b4d3.txt b/chunks/txt/2596f8a4c2255e76f1e0f63ccc2e514f6ede9785caedf923d432a8c0b381b4d3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cafa0bc800dbc2c30acb8975650fa7426b0fbe6f
--- /dev/null
+++ b/chunks/txt/2596f8a4c2255e76f1e0f63ccc2e514f6ede9785caedf923d432a8c0b381b4d3.txt
@@ -0,0 +1,75 @@
+
+
+
+
+100.00
+ Seller
+ true
+
+
+
+
+
+
+
+
+
+ TaxesAndOtherGovernmentFees
+
+
+
+
+
+TransferTax
+
+
+
+
+
+
+
+
+
+1440.00
+ Seller
+ true
+
+
+
+
+
+
+
+
+
+ ThirdPartyProvider
+ OtherCosts
+ false
+ false
+
+UCD v2.0 Implementation Guide
+
+- 100 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Figure 69. XML Snippet-Representative ucd:FeeItemType Line Item Data.
+
+
+
+
+
+
+HomeownersAssociationSpecialAssessment
+
+
+
+
+
+
+
+
diff --git a/chunks/txt/2599399b81cfd60bfda99be7536323207c93afa55c514476bef9fccbe0d490bc.txt b/chunks/txt/2599399b81cfd60bfda99be7536323207c93afa55c514476bef9fccbe0d490bc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c32659ed4facd8f6543c53b230ae81e1a3ee0f43
--- /dev/null
+++ b/chunks/txt/2599399b81cfd60bfda99be7536323207c93afa55c514476bef9fccbe0d490bc.txt
@@ -0,0 +1,143 @@
+All Rights Included in Appraisal
+
+Yes
+
+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 3 of 22
+Page 3 of 22
+
+Subject Property (continued)
+
+Legal Description
+
+Unreal Farm S.1 PCL.300201121002432 F-895-4 BLA 3573702301420 Use agreement 71
+
+Subject Property Commentary
+
+Tax Map ID: 2000-61-726997/R128810
+
+Site
+
+Total Site Size
+
+14,000 Sq. Ft.
+
+Number of Parcels
+
+1
+
+Assessor Parcel Number (APN)
+F-895-4
+
+APN Description
+Land with Dwelling
+
+Parcel Size
+14,000 Sq. Ft.
+
+Zoning
+
+Compliance
+Classification Code
+Classification Code Description
+
+Legal
+R-01
+Residential - Single Family
+
+Property Use
+
+Non-Residential Use
+
+None
+
+Property Access
+Primary Access
+Street Type and Surface
+Typical for Market
+
+Public Street
+Local Road | Asphalt
+Yes
+
+Site Influence
+
+Influence
+Residential
+
+Proximity
+Bordering
+
+Detail
+
+Impact
+Neutral
+
+Comment
+Subject and all comparables
+are located in a residential
+area.
+
+View and Impact to Value/Marketability
+
+View
+Residential
+
+Range of View
+Full
+
+Impact
+Neutral
+
+Site Features and Impact to Value/Marketability
+
+Feature
+Hazard Zone
+
+Detail
+No Hazard Zone Noted
+
+Utilities and Impact to Value/Marketability
+
+Broadband Internet Available
+
+Yes
+
+Electricity
+
+Sanitary Sewer
+
+Water
+
+Public
+
+
+Private
+
+
+Detail
+Solar
+
+
+
+
+Apparent Defects, Damages, Deficiencies (Site)
+
+None
+
+Site Exhibits
+
+Impact
+
+Comment
+
+Private Utility
+Impact
+Neutral
+
+Comment
+Subject has solar power but has also maintained
+connection to public electrical lines.
diff --git a/chunks/txt/259d90417ec8fffd591f6face45702aceae87abed911a31f47713412d4254ae8.txt b/chunks/txt/259d90417ec8fffd591f6face45702aceae87abed911a31f47713412d4254ae8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3a31557cc2c56f42e6160255b79b71f710bf42b5
--- /dev/null
+++ b/chunks/txt/259d90417ec8fffd591f6face45702aceae87abed911a31f47713412d4254ae8.txt
@@ -0,0 +1,150 @@
+35
+
+String
+
+SALES
+COMPARISON
+APPROACH
+
+Sale Price
+
+Property Sales
+Amount
+
+The sales price of the referenced property.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@Pro
+pertySalesAmount
+
+11
+
+Money
+
+SALES
+COMPARISON
+APPROACH
+
+Sale Price/Gross Liv. Area
+
+Sales Price Per
+Gross Living Area
+Amount
+
+The sales price in terms of dollars per
+square foot of gross living area. This is a
+ratio between the sales price and an area,
+but it is a monetary value rather than a
+factor or rate. (CALCULATED
+RESULTS FIELD)
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@Sal
+esPricePerGrossLivingAreaAmount
+
+12
+
+Money
+
+PDF Display Format:
+In dollars, to two decimal places.
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+
+PDF Display Format:
+Proximity to Subject - Numeric to 2 decimal places + ‘miles’ + Directional:
+example: 1 75 miles NW
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+
+PDF Display Format:
+Whole dollars only
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+T
+
+Form FNM 2055 FRE 2055
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 192 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
+
+279
+
+2
+
+e-25
+
+SALES
+COMPARISON
+APPROACH
+
+Data Source(s)
+
+GSE Data Source
+Description
+
+A data source used for information about
+the sale and characteristics of the
+comparable property.
diff --git a/chunks/txt/259eb1f1d1c417f6656238557d186071cb4279bf2c239837b955ecfaf1b23bd2.txt b/chunks/txt/259eb1f1d1c417f6656238557d186071cb4279bf2c239837b955ecfaf1b23bd2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..494cc01a3acfa1087fb5dc2090da7cf6aff7bdd7
--- /dev/null
+++ b/chunks/txt/259eb1f1d1c417f6656238557d186071cb4279bf2c239837b955ecfaf1b23bd2.txt
@@ -0,0 +1,110 @@
+7.028
+
+FullName
+
+John Smith Appraisers Inc.
+
+Include the company name of the
+third party provider.
+
+…/FEE[IntegratedDisclosureSectionType="ServicesBorrowerDidNotShopFor"]/FEE_PAYMENTS/FEE_PAYMENT
+
+7.010
+
+FeeActualPaymentAmount
+
+7.008
+
+FeePaymentPaidByType
+
+7.009
+
+FeePaymentPaidOutsideOfClosingIndicato
+r
+
+705.00
+
+Lender
+
+false
+
+MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FE
+E_INFORMATION/FEES/FEE[IntegratedDisclosureSectionType="ServicesBorrowerDidShopFor"]/FEE_DETAIL
+
+7.074
+
+FeePaidToType
+
+Other
+
+7.110
+
+FeePaidToTypeOtherDescription
+
+LenderAffiliate
+
+Supports Reg Z/QM requirements to
+identify Broker or Lender affiliates.
+
+This supports Reg Z/QM
+requirements to identify Broker or
+Lender affiliates.
+
+7.045
+
+IntegratedDisclosureSectionType
+
+ServicesBorrowerDidShopFor
+
+7.071
+
+RegulationZPointsAndFeesIndicator
+
+true
+
+…/FEE[IntegratedDisclosureSectionType="ServicesBorrowerDidNotShopFor"]/FEE_DETAIL/EXTENSION/OTHER/ucd:FEE_DETAIL_
+EXTENSION
+
+15.004
+
+ucd:FeeItemType
+
+PestInspectionFee
+
+…/FEE[IntegratedDisclosureSectionType="ServicesBorrowerDidNotShopFor"]/FEE_PAID_TO/LEGAL_ENTITY/LEGAL_ENTITY_DETA
+IL
+
+UCD v2.0 Implementation Guide
+
+- 94 -
+
+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
+
+7.028
+
+FullName
+
+Pests Co.
+
+Include the company name of the
+service provider.
+
+…/FEE[IntegratedDisclosureSectionType="ServicesBorrowerDidShopFor"]/FEE_PAYMENTS/FEE_PAYMENT
+
+7.010
+
+FeeActualPaymentAmount
diff --git a/chunks/txt/25a3aaabc10f40703292cfe1b1a71cb03d67cb5001acf36e3494a2fba651d3ad.txt b/chunks/txt/25a3aaabc10f40703292cfe1b1a71cb03d67cb5001acf36e3494a2fba651d3ad.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fad7a634904d91ca9074a88f712b3f7df1666a89
--- /dev/null
+++ b/chunks/txt/25a3aaabc10f40703292cfe1b1a71cb03d67cb5001acf36e3494a2fba651d3ad.txt
@@ -0,0 +1,87 @@
+Uniform Appraisal Dataset (UAD) Specification
+
+Issued by Fannie Mae and Freddie Mac
+Appendix C‐2: Restricted Appraisal Update Report 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
+
+9/17/2024
+
+Version
+Number
+1.2
+
+12/12/2023
+
+1.1
+
+3/29/2023
+
+1.0
+
+Introduction
+
+Report Section
+
+Change #
+
+Revision Description
+
+Footer
+Footer
+Certifications
+and Scope of
+Work
+
+2024‐028
+2023‐061
+
+2023‐003
+
+Updated date in Footer to September 2024.
+Updated date in Footer to December 2023.
+Updated predefined text for Scope of Work and all Supervisory Appraiser
+Certifications.
+Clarified that Contact Name(s) display for Appraiser Certification 13.
+Initial publication
+
+The purpose of this document is to show all possible Report Labels that may display on the Restricted
+Appraisal Update Report, regardless of conditionality. This is not intended to represent a realistic report
+as an appraisal update will never contain all of the available fields in one report.
+
+Term
+Report Label
+
+Definition
+The name of the field as shown on the Restricted Appraisal Update Report.
+
+Subject Property
+
+Physical Address
+County
+Property Rights Appraised
+
+Legal Description
+
+Original Appraisal
+
+Effective Date of Appraisal
+Opinion of Market Value
+Reasonable Exposure Time
+
+Appraisal Update
+
+Effective Date
+
+Appraiser
+
+Reference ID
+Original Lender
diff --git a/chunks/txt/25a96b85ddb17d721e6b7b7863701cce230c65563be1528a3e196da5460434c9.txt b/chunks/txt/25a96b85ddb17d721e6b7b7863701cce230c65563be1528a3e196da5460434c9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e1ed76ec23fe1627c11ffc8886e2bb333c63d0d9
--- /dev/null
+++ b/chunks/txt/25a96b85ddb17d721e6b7b7863701cce230c65563be1528a3e196da5460434c9.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)
+ - Federal Home Loan Bank Stress Tests For Market And Credit Risk
+
+# Federal Home Loan Bank Stress Tests For Market And Credit Risk
+
+## In General
+
+FHFA has developed market and credit risk related macroeconomic scenarios that it provides to the Federal Home Loan Banks (Banks). These scenarios are inputs to financial models that the Banks use to assess the exposure of their entire portfolio to market risk, and the exposure of their mortgage-related assets to credit risk. These exposures are measures of the potential loss in market value under stressful economic conditions. FHFA updates both the market and credit risk macroeconomic scenarios quarterly.
diff --git a/chunks/txt/25e97b984f33a1515403c34e95f0fe970b82267d4197f087e3b5a87d51ecd7dc.txt b/chunks/txt/25e97b984f33a1515403c34e95f0fe970b82267d4197f087e3b5a87d51ecd7dc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bd8f4bcc05ea81528ef146b506161bd0ef31382c
--- /dev/null
+++ b/chunks/txt/25e97b984f33a1515403c34e95f0fe970b82267d4197f087e3b5a87d51ecd7dc.txt
@@ -0,0 +1,7 @@
+7a. File Format .......................................................................................................................................... 9
+
+7b. Key Administrative and Geographic Data Fields ............................................................................... 9
+
+7c. Information About Comparable Properties ......................................................................................... 9
+
+8. Information Quality ................................................................................................................................ 10
diff --git a/chunks/txt/25e9ef86c2f75dc33e5b82bb1666e2801feaf2b77f24278d1e191d566dad80dc.txt b/chunks/txt/25e9ef86c2f75dc33e5b82bb1666e2801feaf2b77f24278d1e191d566dad80dc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..210e73ed673a8efa7a0a492c724f4318e20f906b
--- /dev/null
+++ b/chunks/txt/25e9ef86c2f75dc33e5b82bb1666e2801feaf2b77f24278d1e191d566dad80dc.txt
@@ -0,0 +1,5 @@
+TB-B - Table Text Bold ......................................................................................................................................... 28
+
+TCH - Table Column Heading .............................................................................................................................. 28
+
+TB_sub-H1 – Dark Gray Bar in table ................................................................................................................... 29
diff --git a/chunks/txt/260ed9bb2e5b44d7f75954fd9d15eadd17c7f01de30a6635e03fae983562ecef.txt b/chunks/txt/260ed9bb2e5b44d7f75954fd9d15eadd17c7f01de30a6635e03fae983562ecef.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d174914e107c767be545c2ba316c89d33f0fc8da
--- /dev/null
+++ b/chunks/txt/260ed9bb2e5b44d7f75954fd9d15eadd17c7f01de30a6635e03fae983562ecef.txt
@@ -0,0 +1,104 @@
+Carport | 4 | Detached
+Driveway | 4 | Concrete
+
+$865,000
+
+$850,000
+
+$(54,600)
+
+$198,850
+
+$99,425
+
+$155
+
+$795,400
+
+Less
+
+$755,000
+
+$750,000
+
+$22,400
+
+$193,100
+
+$96,550
+
+$132
+
+$772,400
+
+Less
+
+$795,000
+
+$780,000
+
+$4,400
+
+$196,100
+
+$98,050
+
+$159
+
+$784,400
+
+Most
+
+Indicated Value by Sales Comparison Approach
+
+Indicated Value
+
+$785,000
+
+Reconciliation of Sales Comparison Approach
+
+All comparables utilized were 4 unit properties. The time adjustment reflects approximately 1% per month for each comparable. The
+comparables were built in approximately the same time period offering similar overall utility. Most emphasis is placed on comparable 3, which
+best reflects the subject property.
+
+Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 18 of 26
+Page 18 of 26
+
+Sales Comparison Approach (continued)
+
+PG BRK
+
+Sales Comparison Map
+
+This is where the map of the Sales Comparables, the Rental Comparables, and the GRM Comparables would display.
+
+Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 19 of 26
+Page 19 of 26
+
+Sales Comparison Approach (continued)
+
+Sales Comparison Approach Exhibits
+
+Comparable #1
+
+Comparable #2
+
+This is where the photo of 181 Cattledrive St would display.
+
+This is where the photo of 123 Something Pl would display.
+
+Comparable #3
+
+This is where the photo of 341 Nothing Dr would display.
+
+PG BRK
+
+Rental Information
diff --git a/chunks/txt/261204e0675198a0885ea0c1de83680104f5d2c1bcaac37fad2d065eb7647a78.txt b/chunks/txt/261204e0675198a0885ea0c1de83680104f5d2c1bcaac37fad2d065eb7647a78.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4850ccc15d25ce3e8dabcb307463bd3d5de31c67
--- /dev/null
+++ b/chunks/txt/261204e0675198a0885ea0c1de83680104f5d2c1bcaac37fad2d065eb7647a78.txt
@@ -0,0 +1,32 @@
+b. Form Specific Fields
+
+Business partners will notice that some MISMO definitions end with the phrase,
+“FORM SPECIFIC FIELD.” This means that the source for this data point is a
+recognized mortgage industry form like the HUD-1 Settlement Statement or
+Uniform Residential Loan Application (URLA). The definitions of some Form
+Specific Fields explicitly identify the form and the location on the form to which
+the associated data point can be mapped. Because this phrase has caused some
+confusion with business partners, the GSEs removed it from the MISMO
+definitions published in the ULDDS and GSE-specific Implementation Guides.
+
+c. IdentifierOwnerURI
+
+Some MISMOIdentifier data points (ending in the Class Word “Identifier”)
+include in their definitions a reference to the “IdentifierOwnerURI” or
+“OwnerURI” attribute. The IdentifierOwnerURI attribute allows business partners
+to identify the location of the source of a particular identifier (for example, a
+registry, reference table, official list, etc.). Because this capability is not being
+used, the GSEs removed this phrase from the MISMO definitions published in the
+ULDDS and GSE-specific Implementation Guides.
+
+3. Enumeration : Explanation
+
+Data points that end with the Class Word “Type” always include a list of valid values
+(also called “enumerations”). The valid values (Simple Type XML elements) are
+listed in alphabetical order, must comply with the same naming conventions as data
+points, and are formed using Upper Camel Case. Valid values will include
+explanations when the submitting Workgroup believed the term is not completely clear
+on its own. If explanations are provided, they are shown after a colon that follows the
+valid value. The colon and explanation are not part of the valid value and should not
+be included in the XML schema file. Any, or all, of the valid values may be specified
+by a business partner for a particular implementation of the V3.0 Reference Model.
diff --git a/chunks/txt/261a6af3dbabf4d7fd6c45e9f8391348915080a823c4778931b4c1f64c0cd96b.txt b/chunks/txt/261a6af3dbabf4d7fd6c45e9f8391348915080a823c4778931b4c1f64c0cd96b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a1bf22ca4fe69dfb7ca1a66316b6270da45d5f91
--- /dev/null
+++ b/chunks/txt/261a6af3dbabf4d7fd6c45e9f8391348915080a823c4778931b4c1f64c0cd96b.txt
@@ -0,0 +1,106 @@
+Appraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 11 of 21
+Page 11 of 21
+
+Market (continued)
+
+Search Result Metrics
+
+Active Listings
+
+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 AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024
+
+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
diff --git a/chunks/txt/262c90b83ff25c7188f86136931945894243ceba9785c81896c0ebb9e544bf74.txt b/chunks/txt/262c90b83ff25c7188f86136931945894243ceba9785c81896c0ebb9e544bf74.txt
new file mode 100644
index 0000000000000000000000000000000000000000..abf4454363ac48b621ff4f3a2f6ac4f4b05f81f1
--- /dev/null
+++ b/chunks/txt/262c90b83ff25c7188f86136931945894243ceba9785c81896c0ebb9e544bf74.txt
@@ -0,0 +1,3 @@
+Overview ................................................................................................................................................................................................................................................ 106
+
+Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 107
diff --git a/chunks/txt/263060f420b7964787d53d26e326f17ef171c7fd9cefe7224b4dce8aa38199f4.txt b/chunks/txt/263060f420b7964787d53d26e326f17ef171c7fd9cefe7224b4dce8aa38199f4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9fb08b971d0548d37ca4cd701276a0cc20a2afe7
--- /dev/null
+++ b/chunks/txt/263060f420b7964787d53d26e326f17ef171c7fd9cefe7224b4dce8aa38199f4.txt
@@ -0,0 +1,99 @@
+12.005
+
+Structure
+Volume
+
+Required when
+requested by client
+
+Number of cubic
+feet
+
+The total volume of the outbuilding, including finished and unfinished areas.
+Note: When applicable, report the volume provided.
+
+12.006 Gross Building
+Area
+
+Always required
+
+Number of square
+feet
+
+Total area of all floor levels in the outbuilding measured from the exterior of
+the walls, excluding unenclosed areas, and including the following:
+•
+Above and below grade area, whether finished or unfinished
+•
+Vehicle storage area
+•
+ADU area
+
+N/A
+
+See
+iGuide
+
+Always required
+
+Photo
+
+A photo of the front of the outbuilding must be provided.
+
+Appendix F-1: URAR Reference Guide
+
+Page 152 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+12 Outbuilding
+
+Detail
+
+The display of the Detail subsection varies depending on whether or not the outbuilding is an ADU. This sample
+shows all possible information.
+
+Heating and Cooling for Outbuilding Without ADU
+
+If the outbuilding is not a ADU or does not contain an ADU, the Heating and Cooling checkboxes display instead
+of the Mechanical System Details subsection (12.014-12.017).
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Outbuilding Detail: Heating and Cooling
+
+12.008 Heating
+
+12.009 Cooling
+
+Utilities
+
+Required if Units in
+Structure is 0
+
+Required if Units in
+Structure is 0
+
+Yes | No
+
+Yes | No
+
+Heating System Exists: Indicates whether there is a permanent heating system
+in the outbuilding.
+
+Cooling System Exists: Indicates whether there is a permanent cooling system in
+the outbuilding.
+
+Outbuilding Detail: Utilities
diff --git a/chunks/txt/264ded0f4212ef0e2a91a4774862a72cb2b8f66c8bc234d0ab1c19d780d3330a.txt b/chunks/txt/264ded0f4212ef0e2a91a4774862a72cb2b8f66c8bc234d0ab1c19d780d3330a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..26a7bf06942960765e439930fab4fa73f7dddd52
--- /dev/null
+++ b/chunks/txt/264ded0f4212ef0e2a91a4774862a72cb2b8f66c8bc234d0ab1c19d780d3330a.txt
@@ -0,0 +1,179 @@
+Appraiser Postal
+Code
+
+The postal code (zip code in US) of
+the address of the appraiser. Zip code
+may be either 5 or 9 digits.
+
+/VALUATION_RESPONSE/PARTIES/APPRA
+ISER/@_PostalCode
+
+APPRAISER
+CERTIFICATION
+
+Appraiser
+Telephone Number
+
+Contact Point Value
+
+APPRAISER
+CERTIFICATION
+
+Appraiser
+Email Address
+
+Contact Point Value
+
+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/APPRA
+ISER/CONTACT_DETAIL/CONTACT_POIN
+T[@_Type='Phone']/@_Value
+/VALUATION_RESPONSE/PARTIES/APPRA
+ISER/CONTACT_DETAIL/CONTACT_POIN
+T[@_Type='Email']/@_Value
+
+APPRAISER
+CERTIFICATION
+
+Appraiser
+Date of Signature and
+Report
+
+Appraiser Report
+Signed Date
+
+Indicates the date the appraiser
+signed the appraisal report.
+
+/VALUATION_RESPONSE/REPORT/@Appra
+iserReportSignedDate
+
+10
+
+50
+
+55
+
+10
+
+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.
+
+Data Format:
+yyyy-mm-dd
+
+Date/Time
+
+PDF Display Format:
+mm/dd/yyyy
+
+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
+
+T
+
+T
+
+T
+
+Form FNM 1004 FRE 70
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 76 of 211
+
+Document Version 1.4
diff --git a/chunks/txt/264f65913825370c6ff0ec41342f2d5cbe73e535d1939f13dbe5cd61a744670f.txt b/chunks/txt/264f65913825370c6ff0ec41342f2d5cbe73e535d1939f13dbe5cd61a744670f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..443b86be787e79ff291fe6e20a98af525148052b
--- /dev/null
+++ b/chunks/txt/264f65913825370c6ff0ec41342f2d5cbe73e535d1939f13dbe5cd61a744670f.txt
@@ -0,0 +1,107 @@
+• 1004 Desktop/70D
+
+• 2055/2055
+
+• 1073/465
+
+• 1073 Hybrid/465H
+
+• 1073 Desktop/465D
+
+• 1075/466
+
+Sale or Financing Concessions
+Note: This field, comprised of two lines, is
+used to capture sale type, financing type, and
+any concessions. The information must be
+entered on line 1 and line 2 as indicated.
+
+Line 1
+The appraiser must indicate the sale type for
+each comparable property. If more than one
+sale type applies to the comparable property,
+the appraiser must start at the top of the list
+and identify the first sale type that applies.
+The valid values are:
+
+REO
+
+Short
+
+CrtOrd
+
+Estate
+
+Relo
+
+NonArm
+
+ArmLth
+
+Listing
+
+REO Sale
+
+Short Sale
+
+Court ordered sale
+
+Estate Sale
+
+Relocation sale
+
+Nonarms length sale
+
+Arms length sale
+
+Listing
+
+Note: The appraiser may report any other
+relevant information regarding the sale type,
+including whether more than one sale type
+applies, elsewhere in the appraisal report.
+
+Line 2
+FHA
+
+VA
+
+FHA
+
+VA
+
+Conv Seller
+
+Conventional Seller
+
+Cash
+
+RH
+
+See
+Instructions
+below
+
+Cash
+
+USDA – Rural housing
+Other – Appraiser to
+enter a description of
+the financing type*
+
+The appraiser must enter the financing type
+from the list below and the total amount of
+concessions, if any, for each settled sale. If
+there are no sales or financing, enter the
+numeral zero (0).
+
+Page 36 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/2661029f83c73d9f7be1b3b9cbb5f24ee2ea8ffbf5386628b335975b2d3839aa.txt b/chunks/txt/2661029f83c73d9f7be1b3b9cbb5f24ee2ea8ffbf5386628b335975b2d3839aa.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3e23bb1d995be9b2ad8ff901aaeb0a6985e9ca23
--- /dev/null
+++ b/chunks/txt/2661029f83c73d9f7be1b3b9cbb5f24ee2ea8ffbf5386628b335975b2d3839aa.txt
@@ -0,0 +1,111 @@
+CR
+
+CR
+
+CR
+
+256
+
+2
+
+21
+
+SALES
+COMPARISON
+APPROACH
+
+Leasehold/Fee Simple
+
+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_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='0']/S
+ALE_PRICE_ADJUSTMENT[@_Type='Proper
+tyRights']/@_Description
+
+20
+
+String
+
+This field should indicate the land rights appraised (e.g. Leasehold or Fee
+Simple).
+
+257
+
+2
+
+22
+
+SALES
+COMPARISON
+APPROACH
+
+Site
+
+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_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='0']/S
+ALE_PRICE_ADJUSTMENT[@_Type='SiteAr
+ea']/@_Description
+
+20
+
+String
+
+258
+
+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_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='0']/C
+OMPARISON_VIEW_OVERALL_RATING_E
+XTENSION/COMPARISON_VIEW_OVERAL
+L_RATING_EXTENSION_SECTION[@Exten
+sionSectionOrganizationName='UNIFORM
+APPRAISAL
+DATASET']/COMPARISON_VIEW_OVERAL
+L_RATING_EXTENSION_SECTION_DATA/
+COMPARISON_VIEW_OVERALL_RATING/
+@GSEViewOverallRatingType
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+The total size of the entire site/parcel must be entered. No other data should be
+entered in this field. For sites/parcels that have an area of less than 1 acre, the
+size must be reported in square feet (whole numbers only, e.g., 27840 sf).
+Sites/parcels that have an area of 1.00 acre or greater must be reported in
+acreage to two decimal places (e.g., 8.35 ac).
diff --git a/chunks/txt/26778e459996fc93101fa96bd3a406ab0a5ac0ebffff0fff34536fbb373c35e3.txt b/chunks/txt/26778e459996fc93101fa96bd3a406ab0a5ac0ebffff0fff34536fbb373c35e3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3ce202e6b4b7d82d70905da2f23d037a4d04695b
--- /dev/null
+++ b/chunks/txt/26778e459996fc93101fa96bd3a406ab0a5ac0ebffff0fff34536fbb373c35e3.txt
@@ -0,0 +1,153 @@
+22.01.01
+
+22.01.01.1
+
+22.01.17
+
+22.01.17.1
+
+22.01.18
+
+22.01.19
+
+22.
+
+.20
+
+22.01.21
+
+22.01.22
+
+22.01.23
+
+22.01.24
+
+22.01.26
+
+22.0 .28
+
+22.01.30
+
+22.01.32
+
+22.01.34
+
+22.01.35
+
+22.01.37
+
+22.01.39
+
+22.01.41
+
+22.01.42
+
+22.01.44
+
+22.01.46
+
+22.01.47
+22.01.48
+
+22.02.06
+
+22.02.07
+22.02.08
+
+22.02.09
+
+22.03.18
+
+22.03.20
+
+22.03.22
+
+22.03.24
+
+22.03.26
+22.03.28
+
+22.03.30
+
+22.03.32
+
+22.03.34
+
+22.03.36
+.38
+22.
+
+22.03.40
+
+22.03.42
+
+22.03.44
+
+22.03.46
+
+22.03.48
+
+22.04.06
+
+22.04.07
+
+22.04.08
+
+22.04.09
+
+22.01.25
+
+22.01.27
+
+22.01.29
+
+22.01.31
+
+22.01.33
+
+22.01.36
+
+22.01.38
+22.01.40
+
+22.01.43
+
+22.01.45
+
+22.01.49
+
+22.02.05
+
+22.03.19
+
+22.03.21
+
+22.03.23
+
+22.03.25
+
+22.03.27
+
+22.03.29
+
+22.03.31
+
+22.03.33
+
+22.03.35
+22.03.37
+22.03.39
+
+22.0 .41
+
+22.03.43
+
+22.03.45
+
+22.03.47
+22.03.49
+
+22.04.05
+
+22.01.02
+22.01.03
diff --git a/chunks/txt/26804e15896673e34c84be8cf2dc2a95d0e56ec90d1a3441cae093b98fb685d1.txt b/chunks/txt/26804e15896673e34c84be8cf2dc2a95d0e56ec90d1a3441cae093b98fb685d1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..75c850ce20ef6894b0ee4d6d134eb9a30b4eede6
--- /dev/null
+++ b/chunks/txt/26804e15896673e34c84be8cf2dc2a95d0e56ec90d1a3441cae093b98fb685d1.txt
@@ -0,0 +1,110 @@
+1 = Yes (has some type of Federal
+Guarantee)
+2 = No
+3 = FHA Risk Sharing
+9 = Not available
+1 = 5 to 24 units
+2 = 25 to 50
+3 = 51 to 99
+4 = 100 to 149
+5 = Over 149
+9 = Unknown
+
+The PUDB binning differs from the CFPB bins
+for the HMDA dataset (25-49 and 50-99) in
+order to allow alignment with FHFA’s
+regulatory definition of ‘‘small multifamily
+property’’ as “at least 5 dwelling units but no
+more than 50 dwelling units” in 12 CFR
+1282.1.
+
+End of MF NFP
+
+MF NFP
+
+35
+
+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
+
+1
+
+enterprise
+
+Enterprise Flag
+
+1 = Fannie Mae
+2 = Freddie Mac
+
+2
+
+8
+
+record_num_mf_nf
+
+Record Number
+
+Starts at 10,000,001 for Fannie Mae
+and 20,000,0001 for Freddie Mac
+
+3
+
+4
+
+1
+
+6
+
+type_bed_num
+
+type_units_num
+
+Unit Type XX-Number of
+Bedrooms
+Unit Type XX-Number of
+Units
+
+1 = 0-1 bedroom
+2 = 2 or more bedrooms
+Example of data format: 16.0 = this
+record represents 16.0 units with the
+same number of bedrooms and
+affordability level
+
+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 matching the
+record number in the associated multifamily
+National File property record. More than one
+unit class record bearing the same record
+number will generally be present,
+corresponding to the different unit types for
+which the Enterprise reported information for
+the mortgage. Each “unit type” is defined by a
+particular number of bedrooms (0, 1, 2, ...)
+and actual or average rent for the units of that
+type. Unit types are defined by the Enterprises
+for each multifamily property. Each individual
+unit may be reported as a single unit class
+record, one for each unit in the property.
diff --git a/chunks/txt/268a8227f540603843b0054f9d59a9b6105f507073fb5bad6ead92e0d440bb40.txt b/chunks/txt/268a8227f540603843b0054f9d59a9b6105f507073fb5bad6ead92e0d440bb40.txt
new file mode 100644
index 0000000000000000000000000000000000000000..03ac5ba31058c7a6c8d9380eccc2c60d0f24d76e
--- /dev/null
+++ b/chunks/txt/268a8227f540603843b0054f9d59a9b6105f507073fb5bad6ead92e0d440bb40.txt
@@ -0,0 +1,19 @@
+##### Data Standards File Formats Specification
+
+- [DU Specification](/media/document/xlsx/du-specification)
+ - [Fannie Mae DU Schemas](/media/document/zip/fannie-mae-du-schemas)
+
+##### Data Standards Supporting Resources
+
+- [DU Implementation Guide](https://singlefamily.fanniemae.com/media/document/pdf/du-implementation-guide)
+ - [Frequently Asked Questions for the DU Spec](/media/document/pdf/frequently-asked-questions-du-spec)
+ - [Overview: Desktop Underwriter Specification for the Uniform Residential Loan Application (URLA)](/media/document/pdf/overview-du-specification)
+ - [ULAD Data Relationships Using Xlink and MISMO Arcroles](/media/document/pdf/ulad-data-relationships-using-xlink-and-mismo-arcroles)
+ - [DU Findings Report General Specifications](/media/document/pdf/du-findings-report-general-specifications)
+ - [DU Error Codes](/media/document/xlsx/du-error-codes)
+ - [Credit Provider Name and Code Update Information](/media/document/xlsx/credit-provider-name-and-code-update-information)
+ - [DO/DU ARM Plan Numbers](/media/document/xls/dodu-arm-plan-numbers)
+ - [FHA County Names (.txt)](/media/document/txt/fha-county-names-txt)
+ - [FHA County Names (.xls)](/media/document/xls/fha-county-names-xls)
+
+##### Integration Impact Memos
diff --git a/chunks/txt/2696573e1fd269b5585eed6d2bb94da36b6e2c0cd03fd4b943b551b930aee40f.txt b/chunks/txt/2696573e1fd269b5585eed6d2bb94da36b6e2c0cd03fd4b943b551b930aee40f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dedab5939326f85195b50a461b70eea1971fb27e
--- /dev/null
+++ b/chunks/txt/2696573e1fd269b5585eed6d2bb94da36b6e2c0cd03fd4b943b551b930aee40f.txt
@@ -0,0 +1,45 @@
+Desktop Underwriter/Desktop Originator Release Notes
+DU Version 11.1 Aug. Update
+
+June 7, 2023
+
+Updated July 12, 2023
+
+During the weekend of Aug. 19, 2023, Fannie Mae will update Desktop Underwriter® (DU®) Version 11.1, which will include the
+changes described below. The changes in this release will apply to DU Version 11.1 loan casefiles submitted or resubmitted on
+or after the weekend of Aug. 19, 2023.
+
+The changes in this release include the following:
+▪ Technical Updates
+▪ Property and Appraisal Updates
+▪ DU Validation Service Update
+▪ New Duty to Serve Message
+▪ Updates to Align with the Selling Guide
+
+Technical Updates
+
+Technical changes will be made to enhance the DU platform. These changes will have no impact on DU’s risk or eligibility
+assessment.
+
+Property and Appraisal Updates (added to release notes July 12, 2023)
+
+Value Acceptance + Property Data
+
+DU will no longer display a green checkmark in The Day 1 Certainty Property Information section (as shown below) when the
+lender receives the message stating the loan is eligible for value acceptance + property data but that eligibility is contingent
+upon the submission of property data to the Fannie Mae Property Data API.
+
+DU will continue to display the green checkmark in the Day 1 Certainty Property Information section when able to determine the
+property data was submitted to the API.
+
+© 2023 Fannie Mae.
+
+7.12.23
+
+1 of 3
+
+Traditional Appraisal Message Update
+
+The traditional (Form 1004) appraisal message will be updated to specify that the loan casefile may also be eligible for other
+property assessment and valuation options and that all eligible options will be displayed in the Property and Appraisal
+Information section of the DU Underwriting Findings report.
diff --git a/chunks/txt/269bfa1020b61132a79b662563c50fda599c1e7b334a7d81549463e420c86d8a.txt b/chunks/txt/269bfa1020b61132a79b662563c50fda599c1e7b334a7d81549463e420c86d8a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5dffa33d36a9acee7473fb5e1986bb64e320c128
--- /dev/null
+++ b/chunks/txt/269bfa1020b61132a79b662563c50fda599c1e7b334a7d81549463e420c86d8a.txt
@@ -0,0 +1,35 @@
+Large Submission Reporting Enhancements to UCDP and Fannie Mae
+Appraisal Messaging Change
+
+Tuesday, July 10, 2018
+
+Large submission reporting enhancements to UCDP
+
+During the weekend of July 14, Fannie Mae and Freddie Mac will make enhancements to the Uniform Collateral Data
+Portal® (UCDP®) to improve performance when running reports on a large number of submissions. Updates include:
+• Downloadable reports will be available for direct export in Excel file format, bypassing on-screen display in the
+
+Report Viewer. This option will be available with the following reports:
+
+o Appraisal Failure Details Report
+o Appraisal Failure Summary Report
+o Appraisal Submission Status Report
+
+• Output Format and Frequency columns will be displayed for scheduled reports in My Reports, as applicable.
+• Hard Stop conditions in the Appraisal Failure Details Report will be listed in one field instead of separate columns.
+
+An updated UCDP User Guide will reflect these changes as of Monday, July 16.
+
+Fannie Mae appraisal messaging change
+
+Due to updates we made to simplify our condo policies last month, a Fannie Mae message in UCDP will change as of
+Saturday, July 14.
+
+FNM0176 will become inactive.
+[DELETED] The appraisal indicates that the subject property has legal nonconforming zoning and cannot be rebuilt to the
+current density. This data indicates that the property is ineligible for delivery to Fannie Mae.
+
+This change will be reflected in an updated UCDP User Guide for Fannie Mae Messaging, available on Monday, July 16.
+
+For more information on UCDP, see the UCDP web page or call 1-800-2FANNIE (1-800-232-6643), Option 1 (technology
+support).
diff --git a/chunks/txt/26a131f2495364b63501e331369f9ce41429f7f48a23596531107ec93b341d9e.txt b/chunks/txt/26a131f2495364b63501e331369f9ce41429f7f48a23596531107ec93b341d9e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7ea8b1c794e29e5dd3ef9cc26c73973f854f9641
--- /dev/null
+++ b/chunks/txt/26a131f2495364b63501e331369f9ce41429f7f48a23596531107ec93b341d9e.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/data/enterprise-housing-goals"
+date_accessed: "2026-01-27T17:48:04.890Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/26bb97f1c6fbb821e8c519b0db94acbf330ee33fb4b98d8cd95dbab64f5d3b48.txt b/chunks/txt/26bb97f1c6fbb821e8c519b0db94acbf330ee33fb4b98d8cd95dbab64f5d3b48.txt
new file mode 100644
index 0000000000000000000000000000000000000000..26dc64a229f70859b008444875c9e34c29dad558
--- /dev/null
+++ b/chunks/txt/26bb97f1c6fbb821e8c519b0db94acbf330ee33fb4b98d8cd95dbab64f5d3b48.txt
@@ -0,0 +1,34 @@
+Modified
+(effective post
+3/21 weekend)
+
+DU is unable to evaluate this
+employment record from this
+vendor
+
+Added (effective
+post 4/4)
+
+Unable to match DU employer
+name with military income
+
+This reason code will be returned if the
+data received from the vendor for this
+employment record is not eligible for
+evaluation.
+This reason code will be returned
+when military income cannot be
+validated using the asset verification
+report because the DU employer name
+does not match a deposit description.
+
+The new DU messages will be implemented in the DU integration environment on or around Feb. 19, 2025; the DU validation
+service changes will be implemented in the DU integration environment on or about March 5, 2025.
+
+If you have questions about the integration impact or if you require support specific to this release, contact your Technology
+Integration Analyst or Integration Support. Visit the website for more information about DU or the DU validation service, or
+contact your Fannie Mae representative.
+
+© 2025 Fannie Mae 2.19.25
+
+2 of 2
diff --git a/chunks/txt/26bcb0fcf7ca8f0cfa6d37d75328897662cbef186681c58829c8b71cbae9eef1.txt b/chunks/txt/26bcb0fcf7ca8f0cfa6d37d75328897662cbef186681c58829c8b71cbae9eef1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a8b5f84b080d4a2bed67fc8188de7e0af18d12da
--- /dev/null
+++ b/chunks/txt/26bcb0fcf7ca8f0cfa6d37d75328897662cbef186681c58829c8b71cbae9eef1.txt
@@ -0,0 +1,3 @@
+Reconsideration of Value ......................................................................................................................................................................................................... 359
+
+28 Supplemental Information .............................................................................................................................................................................................................. 361
diff --git a/chunks/txt/26c380370c929a1341cc6cdb1ace1bbe87130ced695e7004d93d8a20b7811dc0.txt b/chunks/txt/26c380370c929a1341cc6cdb1ace1bbe87130ced695e7004d93d8a20b7811dc0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fa265268aa158a5a02ff70a602a6bde1c6686ac9
--- /dev/null
+++ b/chunks/txt/26c380370c929a1341cc6cdb1ace1bbe87130ced695e7004d93d8a20b7811dc0.txt
@@ -0,0 +1,65 @@
+A free-form text field used to describe the
+property off-site improvement specified by
+Property Off Site Improvement Feature
+Type.
+
+/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[@_Ty
+pe='Street']/@_Description
+
+/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[@_Ty
+pe='Street' and @_OwnershipType='Public']/@_ExistsIndicator
+
+/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[@_Ty
+pe='Street' and @_OwnershipType='Private']/@_ExistsIndicator
+
+1
+
+1
+
+25
+
+25
+
+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 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.
+
+Boolean
+
+If no sanitary sewer service is present, enter 'None' in the description field.
+
+UAD Requirement - Refer to Appendix D Site Section
+This field must indicate the source of the sanitary sewer service if present and not
+public. If no sanitary sewer service is present, enter 'None' in the description field..
+
+UAD Instruction - Refer to Appendix D Site Section
+This field should indicate the street type. The value 'None' should be indicated if none
+is present.
+
+String
+
+String
+
+Boolean
+
+Boolean
+
+UAD Instruction - 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.
+
+UAD Instruction - 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/26c4fee4b9cd51f2d0550bbaed86f3810b420e73a9ef2e1b6389115cf7695750.txt b/chunks/txt/26c4fee4b9cd51f2d0550bbaed86f3810b420e73a9ef2e1b6389115cf7695750.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b801cee0bff3e83b16a963ed51dac0373f79bb71
--- /dev/null
+++ b/chunks/txt/26c4fee4b9cd51f2d0550bbaed86f3810b420e73a9ef2e1b6389115cf7695750.txt
@@ -0,0 +1,94 @@
+Boolean
+
+A value of 'Y' indicates an other amenity exists, a value of 'N' indicates the box is
+not checked.
+
+String
+
+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'.
+
+182
+
+IMPROVEMENTS
+
+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
+/@_ExistsIndicator
+
+1
+
+Boolean
+
+A value of 'N' indicates there is no car storage. A value of 'Y' indicates the box was
+not checked.
+
+185
+
+IMPROVEMENTS Driveway Surface
+
+Site Feature
+Comment
+
+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/SITE/SITE_FEATURE[@_Type
+='Driveway']/@_Comment
+
+20
+
+String
+
+This field should contain a description of the driveway surface.
+
+190
+
+1
+
+183
+
+IMPROVEMENTS Driveway
+
+Car Storage
+Location Exists
+Indicator
+
+Indicates that the type of car storage
+described in Car Storage Location Type
+and Car Storage Attachment Type is
+present.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE
+/CAR_STORAGE_LOCATION[@_Type='Driveway']/@_ExistsIndicator
+
+184
+
+IMPROVEMENTS Driveway # of Cars
+
+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/STRUCTURE/CAR_STORAGE
+/CAR_STORAGE_LOCATION[@_Type='Driveway']/@ParkingSpacesCou
+nt
+
+186
+
+IMPROVEMENTS Garage
diff --git a/chunks/txt/26cdf4159049b734831b631cd6ed78510e370749e24299e2157e1a5c0ba14b96.txt b/chunks/txt/26cdf4159049b734831b631cd6ed78510e370749e24299e2157e1a5c0ba14b96.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a6603ac63bee268bdf73242857c36a676edcb7f8
--- /dev/null
+++ b/chunks/txt/26cdf4159049b734831b631cd6ed78510e370749e24299e2157e1a5c0ba14b96.txt
@@ -0,0 +1,64 @@
+Dollar amount
+
+A classification or description of a loan generally based on the changeability of
+the rate or payment over time.
+•
+•
+•
+
+Adjustable Rate
+Fixed
+Other (Describe)
+
+The portion of the project's unpaid blanket mortgage financing attributed to
+the subject unit.
+Calculated: Pro Rata Share (Percent) x Unpaid Principal Balance
+
+Dollar amount
+
+The portion of the project's maximum line of credit attributed to the subject
+unit.
+Calculated: Pro Rata Share (Percent) x Line of Credit Maximum Amount
+
+18.036
+18.045
+18.054
+18.063
+
+Pro Rata Share
+of Balance
+Attributable to
+Unit (Drawn:)
+
+Required for each lien
+if Project Blanket
+Financing is Yes and
+Line of Credit is Yes
+
+Dollar amount
+
+The portion of the project's drawn line of credit attributed to the subject unit.
+Calculated: Pro Rata Share (Percent) x Line of Credit Drawn Amount
+Note: If the line of credit is unused, enter 0.
+
+Appendix F-1: URAR Reference Guide
+
+Page 191 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+18 Project Information
+
+Project Factors and Impact to Value / Marketability
+
+The Project Factors table provides information about relevant project factors that may impact the value and
+marketability of the units within the project, such as control of the project and amenities, ownership,
+commercial use, special assessments, and legal issues. Each project factor requires a determination of the
+impact to value and / or marketability.
+
+The appearance of the Project Factors table varies based on the details of the property being appraised. This
+sample shows all possible rows that may display.
+
+Developer/Sponsor in Control
diff --git a/chunks/txt/26d3002d755d5e5e93fff0462f0e6c60e45a5aace4786654cf4ae545adfe3474.txt b/chunks/txt/26d3002d755d5e5e93fff0462f0e6c60e45a5aace4786654cf4ae545adfe3474.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6131905fc9b05e45021ad7a4caa10cc7fc5fc963
--- /dev/null
+++ b/chunks/txt/26d3002d755d5e5e93fff0462f0e6c60e45a5aace4786654cf4ae545adfe3474.txt
@@ -0,0 +1,62 @@
+Display when PropertyInProjectIndicator = "true"
+
+2500.0061 ProjectDwellingUnitsForSaleCount
+
+Display when PropertyInProjectIndicator = "true"
+
+2500.0062 ProjectDwellingUnitsRentedCount
+
+Display when PropertyInProjectIndicator = "true"
+
+2500.0161 ProjectDwellingUnitsRentedEstimateIndicator When “true”, display ~ before Units Rented.
+
+18.010 Reason Units Rented is Estimated
+
+2500.0162 ProjectDwellingUnitsRentedEstimateDescription Display when ProjectDwellingUnitsRentedEstimateIndicator = "true"
+
+18.011 Monthly Amount
+
+18.012
+
+Common Amenities/Services Included
+
+2500.0006 AssociationChargeType
+
+2500.0007 AssociationChargeAmount
+2500.0004 AmenityType
+
+18.012 Common Amenities/Services Included
+
+2500.0002 AmenityOwnershipType
+
+18.013 Utilities Included
+
+2500.0009 AssociationChargeIncludesUtilityType
+
+18.014 Observed Deficiencies
+
+2500.0033 ProjectDeficiencyObservedIndicator
+
+When PropertyInProjectIndicator = "true" OR PUDIndicator = "true" AND
+AssociationChargeType = "AssociationDues" display
+AssociationChargeAmount. Amount can be zero.
+Display when AssociationChargeType = "AssociationDues"
+Display when PropertyInProjectIndicator = "true" OR PUDIndicator =
+"true"
+If multiple, display as stacked.
+Display when AmenityType = "BoatSlip" OR "UnitStorage".
+Display in () next to Amenity Type
+Display when AssociationChargeType = "AssociationDues".
+If multiple, display as stacked.
+Checkbox always displays.
+
+18.015 Description of Deficiencies
+
+2500.0032 ProjectConditionAndQualityDescription
+
+Display when ProjectDeficiencyObservedIndicator = "true"
+
+18.016
+
+Are units, common areas, and amenities
+in project complete?
diff --git a/chunks/txt/26e32f8a31ba8cb28924ac17d1fe3c1d156e389bfc79abf457b0b7a6c5795c96.txt b/chunks/txt/26e32f8a31ba8cb28924ac17d1fe3c1d156e389bfc79abf457b0b7a6c5795c96.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4495326671a7e504adb208ddfe8302ddb864ce51
--- /dev/null
+++ b/chunks/txt/26e32f8a31ba8cb28924ac17d1fe3c1d156e389bfc79abf457b0b7a6c5795c96.txt
@@ -0,0 +1,123 @@
+Table 71. Signs for Unique Data Points Populating Multiple Form Fields.
+
+Form Field IDs
+
+Form Field Names
+
+Data Points
+
+Sign in UCD File
+
+▪ Integrated Disclosure Section Type = “Total
+
+Closing Costs”
+
+▪ Integrated Disclosure Section Total Amount
+
+▪ Integrated Disclosure Section Type = “Lender
+
+Credit”
+
+▪ Integrated Disclosure Subsection Payment
+
+Amount
+
+▪ Cash From Borrower At Closing Amount
+▪ Cash To Borrower At Closing Amount
+
+6.1 | 6.1.1
+
+Closing Costs
+
+9.1 | 9.1.1
+
+TOTAL CLOSING COSTS
+(Borrower Paid)
+
+6.1.4
+
+Lender Credits
+
+9.3 | 9.3.2
+
+Lender Credits
+
+6.2 | 6.2.1
+
+(Purchase)
+
+13.3 | 13.3.1
+
+(Purchase)
+
+6.2 | 6.2.1
+
+(Refinance)
+
+10.9.2 | 10.9.4
+
+(Refinance)
+
+12.1 | 12.0.1
+
+Cash to Close
+
+Cash to Close oFrom oTo
+Borrower
+
+Cash to Close oFrom oTo
+Borrower
+
+L. Paid Already by or on Behalf
+of Borrower at Closing
+
+13.0 | 13.2.1
+
+Total Paid Already by or on
+behalf of Borrower at Closing (L)
+
+Cash to Close oFrom oTo
+Borrower
+
+▪ Cash From Borrower At Closing Amount
+▪ Cash To Borrower At Closing Amount
+
+▪ Integrated Disclosure Section Type = Paid
+Already By Or On Behalf Of Borrower At
+Closing
+
+▪ Integrated Disclosure Section Total Amount
+
+25.2 | 25.2.1
+
+K. TOTAL PAYOFFS AND
+PAYMENTS
+
+▪ Integrated Disclosure Section Type = Total
+
+Payoffs And Payments
+
+▪ Integrated Disclosure Section Total Amount
+
+UCD v2.0 Implementation Guide
+
+- 151 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+Appendix C. UCD v2.0 EXTENSIONS
+
+APPENDIX C. UCD V2.0 EXTENSIONS
+
+A. INTRODUCTION TO EXTENSIONS
+
+In the MISMO V3 Reference Model, every container element includes one Extension element. The EXTENSION container
+provides maximum flexibility to a given version of a MISMO message by establishing a structured framework for adding data.
+Organizations can take advantage of XML namespaces to place needed data points that are not yet defined in the MISMO
+standard, or proprietary data points that would never be included in the MISMO standard, into a message for exchange with
+business partners. The definition of the EXTENSION container makes it possible to add additional content yet still validate
+against the MISMO standardized Schema. (MISMO_V3_Reference Model General I-Guide (2018-05-10).pdf, available to
+MISMO subscribers from the Resource Library and accessed 3-19-2023). MISMO provides an Engineering Guideline on how
+to use Extensions in v3.n, MEG 0025, also accessible from mismo.org.
diff --git a/chunks/txt/26ecfed24a6270cfdc1f1d0d32a6fcb1b3be5255e9f2d628e1292e96cbe089ce.txt b/chunks/txt/26ecfed24a6270cfdc1f1d0d32a6fcb1b3be5255e9f2d628e1292e96cbe089ce.txt
new file mode 100644
index 0000000000000000000000000000000000000000..235586bba5e9fca434c023099e198cfb4e65034f
--- /dev/null
+++ b/chunks/txt/26ecfed24a6270cfdc1f1d0d32a6fcb1b3be5255e9f2d628e1292e96cbe089ce.txt
@@ -0,0 +1,60 @@
+➢ No rows are required (Always)
+➢
+➢
+➢
+
+1 row is conditionally required (If Applicable)
+1 row is conditionally required (If Applicable), or may be provided (If Relevant)
+2 rows may be provided (If Relevant)
+
+Figure 22 - 8
+
+Site
+
+The Site subsection always displays in the Sales Comparison Approach section.
+
+Site is the second of six subsections that has adjustments at the row level.
+
+There are 16 defined rows in this subsection.
+
+➢
+➢
+➢
+➢
+
+1 row is required (Always)
+2 rows are conditionally required (If Applicable)
+12 rows may be provided (If Relevant)
+Additional rows may be added to this section
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Figure 22 - 9
+
+Page 284
+
+Water Frontage with Private Access
+
+The Water Frontage with Private Access subsection displays when SiteInfluenceType - ((Subject UID: 1500.0087, FID: 22.03.13) (Comp UID:
+1800.0228, FID: 22.03.42)) = "BodyOfWater" and PrivateAccessIndicator - ((Subject UID: 1500.0075, FID: 22.04.01) (Comp UID:1800.0279,
+FID:22.04.06)) = “true” for either the subject or comparables.
+
+Water Frontage with Private Access is the second of four subsections that has an overall adjustment at the subsection header level.
+
+There are 4 defined rows in this subsection.
+
+➢ No rows are required (Always)
+➢
+➢
+
+1 row is conditionally required (If Applicable) – with the same conditionality as the Water Frontage with Private Access gray bar
+3 rows may be provided (If Relevant)
+
+Figure 22 - 10
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Dwelling(s)
+
+The Dwelling(s) subsection always displays in the Sales Comparison Approach section. It references buildings where ImprovementType (UID:
+0300.0009, FID: Not on report) = “Dwelling”.
diff --git a/chunks/txt/26f1f23f147e2efb4a4c45a3ab45a9f27f97b06ae77ad0e9d0a2a79c5cb3ea7f.txt b/chunks/txt/26f1f23f147e2efb4a4c45a3ab45a9f27f97b06ae77ad0e9d0a2a79c5cb3ea7f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..20361d9b2f61fd8b2221ec2b2295cd17c824d73a
--- /dev/null
+++ b/chunks/txt/26f1f23f147e2efb4a4c45a3ab45a9f27f97b06ae77ad0e9d0a2a79c5cb3ea7f.txt
@@ -0,0 +1,43 @@
+[View bulletins](/advisory-bulletin)
+
+- ## Credit Scores
+
+FHFA’s review of changing Fannie Mae and Freddie Mac's credit score requirements.
+
+[View info](/policy/credit-scores)
+
+- ## Fannie Mae & Freddie Mac Affordable Housing Allocations
+
+Requirements for the purchase of single-family mortgage loans where the outstanding principal balance of the mortgage exceeds 80% of the value of the underlying property.
+
+[View info](/policy/enterprise-affordable-housing-allocations)
+
+- ## FHFA Statements on Credit Risk Transfer
+
+Programs to reduce taxpayer exposure to risks arising from credit guarantees extended by the Enterprises through their normal courses of business.
+
+[View info](/policy/fhfa-statements-credit-risk-transfer)
+
+- ## Mortgage Servicing
+
+Development and implementation of programs and initiatives to address challenges in the servicing market.
+
+[View info](/policy/mortgage-servicing)
+
+- ## Principal Reduction Modification
+
+Information about targeted Principal Reduction Modification program FHFA has directed the Enterprises to implement.
+
+[View info](/policy/principal-reduction-modification)
+
+- ## Single Security Initiative and Common Securitization Platform
+
+Development of a securitization infrastructure for the Enterprises for mortgage loans backed by single-family properties.
+
+[View info](/policy/single-security-initiative-and-common-securitization-platform)
+
+- ## Alternative Mortgage Servicing Compensation Initiative
+
+Consideration of alternatives for future mortgage servicing structures and servicing compensation for single-family loans.
+
+[View Info](/policy/alternative-mortgage-servicing-compensation-initiative)
diff --git a/chunks/txt/26f64a500510362db5bf316407dcb24ce1456c7b5434537d388f675a4769a324.txt b/chunks/txt/26f64a500510362db5bf316407dcb24ce1456c7b5434537d388f675a4769a324.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5cb92f114d8a546e44d7cabbdf98dada4073e48e
--- /dev/null
+++ b/chunks/txt/26f64a500510362db5bf316407dcb24ce1456c7b5434537d388f675a4769a324.txt
@@ -0,0 +1,145 @@
+4.0 Loan Terms
+
+4.1 Loan Amount
+
+Can this amount increase after closing?
+
+4.1.1 $162,000
+
+4.1.2 NO
+
+4.1.3
+
+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
+• See AIR Table on page 4 for details
+
+Figure 37. Loan Terms Table – Interest Rate Can Increase
+
+Table 52. Interest Rate Can Increase
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point
+
+MISMO v3.3.0 Value
+
+Notes
+
+4.2.3
+4.2.3
+
+Can go as high as n%
+in year n
+
+…/AMORTIZATION_R
+ULE
+
+AmortizationType
+
+AdjustableRate
+
+…/LOAN_DETAIL
+
+BuydownTemporary
+SubsidyFundingIndic
+ator
+
+false
+
+Represented as “Can
+go …” on form
+
+Not shown -
+Indicates need for
+additional data
+points
+
+Appendix E: UCD Implementation Guide
+
+Page 66 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+4.0 Loan Terms
+
+Table 52. Interest Rate Can Increase
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point
+
+MISMO v3.3.0 Value
+
+Notes
+
+4.2.2
+
+Can this amount
+increase…?
+
+InterestRateIncrease
+Indicator
+
+true
+
+Represented as
+“YES” on form
+
+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
+
+4.2 Interest Rate
+
+4.2.1 2.875%
+
+4.2.2 YES
+
+4.2.3 • Adjusts every 3 years starting in year 6
+• Goes as high as 12% in year 15
+• See AIR Table on page 4 for details
+
+Figure 38. Loan Terms Table – Interest Will Increase
+
+Table 53. Interest Rate Will Increase
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Extension MISMO v3.3.0 Value
+
+Notes
diff --git a/chunks/txt/271577c6d031757ee8d8c77ba439a29ced8b85161a9fa8d6be6c7f8b8f815e28.txt b/chunks/txt/271577c6d031757ee8d8c77ba439a29ced8b85161a9fa8d6be6c7f8b8f815e28.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7ebf8219b95e85299b880d9c38fba14fd36c6d85
--- /dev/null
+++ b/chunks/txt/271577c6d031757ee8d8c77ba439a29ced8b85161a9fa8d6be6c7f8b8f815e28.txt
@@ -0,0 +1,53 @@
+
+
+Sketch
+Commentary may be added here.
+
+
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+08 Dwelling Exterior
+
+Page 153
+
+The Dwelling Exterior section provides information about the exterior of each dwelling and mechanical system details. This section provides
+space for additional commentary, exhibits, and any apparent defects, damages, or deficiencies related to the dwelling exterior or mechanical
+systems. The section repeats for each dwelling on the property.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 154
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+The Dwelling Exterior section displays when ImprovementType (UID: 0300.0009, FID: Not on report) = “Dwelling”. At least one instance of the
+Dwelling Exterior section must display and repeats for each dwelling. The StructureIdentifier (UID: 0300.0101, FID: 8.000) displays in the black
+tab when LivingUnitExcludingADUCount (UID: 0100.0022, FID: 3.005) > 1; display as Dwelling Exterior - [Structure Identifier]. (Figure 8 - 1)
+
+A photo showing the front of the dwelling always displays in this section and is delivered using ImageCategoryType (UID: 1400.0619, FID:
+8.000.1) = “DwellingFront”. A caption does not display with this image. (Figure 8 - 1)
+
+Figure 8 - 1
+
+Page 155
+
+Dwelling Exterior: General Information
+
+Report
+Field ID
+
+8.001
+
+Report Label
+
+Unique ID
+
+MISMO Data Point Name
+
+Display Rules
+
+Display when ImprovementType = "Dwelling” AND…
+
+Subject Property Units in
+Structure
diff --git a/chunks/txt/2723f2d6c4bd073e8426549e971b82da1f38fbdadfba73911a6c831e0ea24c69.txt b/chunks/txt/2723f2d6c4bd073e8426549e971b82da1f38fbdadfba73911a6c831e0ea24c69.txt
new file mode 100644
index 0000000000000000000000000000000000000000..991bd9645c17ead9f90e81e866862ca56f9b8e66
--- /dev/null
+++ b/chunks/txt/2723f2d6c4bd073e8426549e971b82da1f38fbdadfba73911a6c831e0ea24c69.txt
@@ -0,0 +1,47 @@
+[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/sample-scenario-pdf)
+
+##### Condition and Quality Rating Definitions PDF
+
+PDF of previously published definitions of Condition and Quality Ratings from Appendix F-1: URAR Reference Guide.
+
+[Learn More **](https://singlefamily.fanniemae.com/media/document/pdf/condition-and-quality-rating-definitions-pdf)
+
+##### Partner Playbook
+
+Designed to help industry partners prepare for the UAD 3.6 and Forms Redesign.
+
+[Learn More **](https://singlefamily.fanniemae.com/media/34686/display)
+
+##### Servicer Preparedness
+
+Prepares servicers for the transition for UAD 3.6.
+
+[Learn More **](/media/document/pdf/uniform-appraisal-dataset-faqs-servicers)
+
+##### Inspection and Reporting Tips
+
+Appraisers, education providers, and software vendors should review this document to understand key differences between UAD 2.6 and UAD 3.6
+
+[Learn more **](/media/43946/display)
+
+##### UAD 3.6 Selling Guide Supplement
+
+Access UAD 3.6-specific policy. UAD 2.6 users should refer to the Fannie Mae Selling Guide.
+
+[Learn more **](/media/42571/display)
+
+##### UAD and Forms Redesign Timeline
+
+Detailed timeline outlines specific dates for each implementation phase to help the industry prepare.
+
+[Learn More **](https://singlefamily.fanniemae.com/media/25391/display)
+
+##### Industry Training for the New UAD and URAR
+
+New URAR course educates industry on the dynamic appraisal reports and updated dataset.
+
+[Learn More **](https://www.fanniemae.com/course/singlefamily/uadtrainingfiles/story.html)
+
+##### Lender Readiness Kit
+
+This document helps lenders prepare for and adopt the updated UAD and retire the existing appraisal forms. It offers timelines and roadmaps to keep lenders on track, and additional resources to learn more along the way.
diff --git a/chunks/txt/2724e7125b3cbae1835b539faeb1512d49a9543ba5dba0fa78812033a50d2f9f.txt b/chunks/txt/2724e7125b3cbae1835b539faeb1512d49a9543ba5dba0fa78812033a50d2f9f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..996a5a1754d0891f948599e7d5a04e4f32d400fe
--- /dev/null
+++ b/chunks/txt/2724e7125b3cbae1835b539faeb1512d49a9543ba5dba0fa78812033a50d2f9f.txt
@@ -0,0 +1,98 @@
+Metropolitan Statistical
+Area (MSA) Code
+
+1 = Metropolitan area
+0 = Non-metropolitan area
+
+tract_minority_cat
+
+2020 Census Tract -
+Percent Minority
+
+5
+
+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.
+Location of the property based on the MSA
+definitions in effect on January 1, 2024.
+
+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.
+
+SF NFA
+
+3
+
+Federal Housing
+Finance Agency
+
+Enterprise Public Use Database Data Dictionary
+Data Release of 2024 Acquisitions
+
+Single-Family Properties
+National File A
+
+Header Name
+
+Field Name
+
+Values
+
+Description / Comments
+
+Field # Field
+Width
+1
+
+6
+
+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 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.
diff --git a/chunks/txt/272531a1eb5d8ae851474f859cec89ecab1ad4d448ce8471c141f243f34056b5.txt b/chunks/txt/272531a1eb5d8ae851474f859cec89ecab1ad4d448ce8471c141f243f34056b5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dfc4d87240d92cae6b1dfbd4fbec9b905790e0a2
--- /dev/null
+++ b/chunks/txt/272531a1eb5d8ae851474f859cec89ecab1ad4d448ce8471c141f243f34056b5.txt
@@ -0,0 +1,43 @@
+When there are no truly comparable sales for a particular property because of the uniqueness of the property or other conditions,
+the appraiser must select sales that represent the best indicators of value for the subject property and make market supported
+adjustments to reflect the actions of typical purchasers in that market.
+
+Sales or Financing Concessions
+
+Comparable sales that include sales or financing concessions must be adjusted to reflect the impact, if any, on the sales price of
+the comparables based on the market at the time of sale. For information related to sales or financing concessions for the subject
+transaction, see Selling Guide B3-4.1-02, Interested Party Contributions (IPCs).
+
+Examples of sales or financing concessions include:
+
+interest rate buydowns or other below-market rate financing;
+loan discount points;
+loan origination fees;
+closing costs customarily paid by the buyer;
+
+•
+•
+•
+•
+• payment of condo, co-op, or PUD fees or assessment charges;
+•
+•
+•
+•
+
+refunds of (or credit for) the borrower’s expenses;
+absorption of monthly payments;
+assignment of rent payments; and
+inclusion of non-realty items in the transaction.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 99 of 166
+
+UAD 3.6 Policy
+
+The dollar amount of sales or financing concessions paid by the seller must be reported for each comparable sale if the
+information is reasonably available (see UAD Specification Appendix F-1: URAR Reference Guide). Sales or financing data should be
+obtained from parties associated with the comparable transaction, such as the broker, buyer or seller, or a reliable data source. If
+information is not available because of legal restrictions or other disclosure-related problems, the appraiser must explain why the
+information is not available.
diff --git a/chunks/txt/27292fa8d694257c846f61e7c63f92aa6392d697fdc0a8cfdcce2d6a2e0e18e2.txt b/chunks/txt/27292fa8d694257c846f61e7c63f92aa6392d697fdc0a8cfdcce2d6a2e0e18e2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4d75b217bda5db6efe046aa0692ff078f1574047
--- /dev/null
+++ b/chunks/txt/27292fa8d694257c846f61e7c63f92aa6392d697fdc0a8cfdcce2d6a2e0e18e2.txt
@@ -0,0 +1,109 @@
+Indicates whether any part of an improvement is located within the boundary
+of a utility easement. Reference the appropriate government agency appraisal
+guidelines for more information.
+
+Appendix F-1: URAR Reference Guide
+
+Page 76 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+04 Site
+
+Information for Each Utility
+
+The appraiser must indicate whether each of the following utilities are connected to the site, and whether the
+utility is public or private.
+• Electricity
+• Gas
+• Sanitary Sewer
+• Water
+• Other (Describe) - if applicable
+
+For private utilities and for government agency appraisals, additional information is required for each utility.
+
+Example:
+
+Site: Utilities
+
+Report Label
+
+When to Include
+
+Always required
+
+Electricity
+Gas
+Sanitary Sewer
+Water
+Other (Describe)
+
+Allowable
+Answers / Format
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+Public
+Private
+
+Always required for
+each utility that is
+connected to the site
+
+Public or
+Non-Public
+
+Report
+Field ID
+
+4.069
+4.075
+4.081
+4.087
+4.093
+
+4.070
+4.076
+4.082
+4.088
+4.094
+
+4.071
+4.077
+4.083
+4.089
+4.095
+
+Definition / Additional Guidance
+
+Electricity
+Gas
+Sanitary Sewer
+
+Utility Type: Utilities that are permanently connected to the site.
+•
+•
+•
+• Water
+•
+
+Other (Describe)
+
+Utility Ownership: Indicates whether the utility is a public utility or a non-public
+(private) utility.
+•
+
+If Public, a checkmark displays in the Public column for the indicated
+utility.
+If Non-Public, a checkmark displays in the Private column for the indicated
+utility.
+If neither public nor private, no checkmark displays for the row.
+If there is no Electricity, Sanitary Sewer, or Water, provide details in Site
+Commentary (4.116).
diff --git a/chunks/txt/272ec56459ccedfb464490dc0fe631ffd610e26e15c15f76580a53a312f408b1.txt b/chunks/txt/272ec56459ccedfb464490dc0fe631ffd610e26e15c15f76580a53a312f408b1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a7cbfe770a6c2d22c0e08ed8ad0d85e9d345e9eb
--- /dev/null
+++ b/chunks/txt/272ec56459ccedfb464490dc0fe631ffd610e26e15c15f76580a53a312f408b1.txt
@@ -0,0 +1,8 @@
+---
+source_url: "https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset#uad-documentation"
+date_accessed: "2026-01-27T17:45:43.156Z"
+---
+
+[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/273daeb76275f4ba78ae0c91d90775290428625478498c986bff3ec0a93451a5.txt b/chunks/txt/273daeb76275f4ba78ae0c91d90775290428625478498c986bff3ec0a93451a5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9a00987dd3b703285d8d4cbee86859565c4f1723
--- /dev/null
+++ b/chunks/txt/273daeb76275f4ba78ae0c91d90775290428625478498c986bff3ec0a93451a5.txt
@@ -0,0 +1 @@
+[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/326&order=field_release_date&sort=asc) Report Attachment October 28, 2025 [No Fear Act Data - Fourth Quarter 2025](/reports/no-fear-act/2025/Q4) [Read Report](/document/no-fear-act-data-2025-q4.pdf) July 30, 2025 [No Fear Act Data - Third Quarter 2025](/reports/no-fear-act/2025/Q3) [Read Report](/document/no-fear-act-data-fy25-q3) June 24, 2025 [No Fear Act Data - Second Quarter 2025](/reports/no-fear-act/2025/Q2) [Read Report](/document/no-fear-act-data-fy25-q2) May 14, 2025 [No FEAR Act Annual Report to Congress FY 2024](/no-fear-act-annual-report-to-congress-fy-2024) [Read Report](/document/fy-2024-no-fear-act-report) January 29, 2025 [No Fear Act Data - First Quarter 2025](/reports/no-fear-act/2025/Q1) [Read Report](/document/No-FEAR-Act-Q1-2025.pdf) October 10, 2024 [No Fear Act Data - Forth Quarter 2024](/reports/no-fear-act/2024/Q4) [Read Report](/document/no-fear-act-data-fy24-q4) July 24, 2024 [No Fear Act Data - Third Quarter 2024](/reports/no-fear-act/2024/Q3) [Read Report](/document/no-fear-act-data-fy24-q3) April 30, 2024 [No Fear Act Data - Second Quarter 2024](/reports/no-fear-act/2024/Q2) [Read Report](/document/no-fear-act-data-fy24-q2) March 29, 2024 [No FEAR Act Annual Report to Congress FY 2023](/reports/no-fear-act/annual-report-to-congress/2023) [Read Report](/document/fy-2023-no-fear-act-report) January 29, 2024 [No Fear Act Data - First Quarter 2024](/reports/no-fear-act/2024/Q1) [Read Report](/document/no-fear-act-data-first-quarter-2024) October 31, 2023 [No Fear Act Data - Fourth Quarter 2023](/reports/no-fear-act/2023/Q4) [Read Report](/media/51641) August 02, 2023 [No Fear Act Data - Third Quarter 2023](/reports/no-fear-act/2023/Q3) [Read Report](/media/51336) April 14, 2023 [No Fear Act Data - Second Quarter 2023](/reports/no-fear-act/2023/Q2) [Read Report](/document/no-fear-act-data-second-quarter-2023) March 29, 2023 [No FEAR Act Annual Report to Congress FY 2022](/reports/no-fear-act/annual-report-to-congress/2022) [Read Report](/document/no-fear-act-annual-report-to-congress-fy-2022) January 27, 2023 [No Fear Act Data - First Quarter 2023](/reports/no-fear-act/2023/Q1) [Read Report](/media/33386) October 28, 2022 [No Fear Act Data - Fourth Quarter 2022](/reports/no-fear-act/2022/Q4) [Read Report](/media/30391) August 01, 2022 [No Fear Act Data - Third Quarter 2022](/reports/no-fear-act/2022/Q3) [Read Report](/document/fy22-3q-no-fear-act-data-report) April 28, 2022 [No Fear Act Data - Second Quarter 2022](/reports/no-fear-act/2022/Q2) [Read Report](/media/33506) March 29, 2022 [No FEAR Act Annual Report to Congress FY 2021](/reports/no-fear-act/annual-report-to-congress/2021) [Read Report](/document/no-fear-act-annual-report-to-congress-fy-21) January 25, 2022 [No Fear Act Data - First Quarter 2022](/reports/no-fear-act/2022/Q1) [Read Report](/media/33381) November 12, 2021 [No FEAR Act Data - Fourth Quarter FY 2021](/reports/no-fear-act/2021/Q4) [Read Report](/document/fy21-4q-no-fear-act-data-report) July 30, 2021 [No FEAR Act Data - Third Quarter FY 2021](/reports/no-fear-act/2021/Q3) [Read Report](/document/no-fear-act-data-q3-2021) April 29, 2021 [No FEAR Act Data - Second Quarter FY 2021](/reports/no-fear-act/2021/Q2) [Read Report](/document/no-fear-act-data-q2-2021) March 29, 2021 [No FEAR Act Annual Report to Congress FY 2020](/reports/no-fear-act/annual-report-to-congress/2020) [Read Report](/document/no-fear-act-annual-report-to-congress-fy-20) January 25, 2021 [No FEAR Act Data - First Quarter FY 2021](/reports/no-fear-act/2021/Q1) [Read Report](/document/no-fear-act-data-q1-2021)
diff --git a/chunks/txt/275cba5f1f0c832170b6f15bf1f65bcb77ebf9887f888ab3acd3c4591da7a8ed.txt b/chunks/txt/275cba5f1f0c832170b6f15bf1f65bcb77ebf9887f888ab3acd3c4591da7a8ed.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6d9adee3c42db97d12361984522986b775fbd04f
--- /dev/null
+++ b/chunks/txt/275cba5f1f0c832170b6f15bf1f65bcb77ebf9887f888ab3acd3c4591da7a8ed.txt
@@ -0,0 +1,37 @@
+[View Request for Input](/sites/default/files/2023-05/CreditScore_RFI-2017.pdf) (Input was due March 30, 2018)
+
+[View Input Submitted](/public-input/2022-dts-affordable-housing-preservation) (Select *Credit Score*in the pull down)
+
+---
+
+[[1]](#ftnref1) Sec. 310 of the Economic Growth, Regulatory Relief, and Consumer Protection Act of 2018. This process is also governed by the Validation and Approval of Credit Score Models Rule (12 CFR Part 1254).
+
+Sign up for email updates
+
+Leave this field blank
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [](https://www.facebook.com/FHFA)
+ - [](https://www.x.com/FHFA)
+ - [](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [](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/275d3b38b4853f7d18555ca11cf3fbd7b5179a3bb2a924bb45201ef45cdd9626.txt b/chunks/txt/275d3b38b4853f7d18555ca11cf3fbd7b5179a3bb2a924bb45201ef45cdd9626.txt
new file mode 100644
index 0000000000000000000000000000000000000000..79cf3f0fa20bec7cb83cf01568e1523e02f69497
--- /dev/null
+++ b/chunks/txt/275d3b38b4853f7d18555ca11cf3fbd7b5179a3bb2a924bb45201ef45cdd9626.txt
@@ -0,0 +1,39 @@
+[Day 2 Agenda, Transcripts, Presentations, Video](/news/videos/2023-duty-to-serve-listening-session-manufactured-housing) - Duty to Serve Underserved Market Plans 2025-2027 - Manufactured Housing Market
+
+[Day 3 Agenda, Transcripts, Presentations, Video](/news/videos/2023-duty-to-serve-listening-session-affordable-housing-preservation) - Duty to Serve Underserved Market Plans 2025-2027 - Affordable Housing Preservation
+
+[More Information](/programs/2023-duty-to-serve-public-listening-sessions)
+
+---
+
+## **May 2023**
+
+## **Save the Date: FHFA to Host Public Hearing on Appraisal Bias**
+
+Date: 5/19/2023
+
+Time: 10:00 AM - 1:00 PM ET
+
+This event is the second public hearing in the Appraisal Subcommittee’s series of hearings related to the topic of appraisal bias. The intent of this hearing is to explore the appraiser regulatory system focusing on appraisal standards, appraiser qualification criteria and barriers to entry into the profession, appraisal practice, and State regulation.
+
+[Media Advisory - Witnesses](/media/51876) (4/25/2023) and [Video of Hearing](https://www.youtube.com/watch?v=mc20kaNZTk8) (5/19/2023)
+
+## **FHFA Spring Econ Summit**
+
+Date: 5/30/2023
+
+Time: 12:30 PM - 6:00 PM ET
+
+Location: Federal Housing Finance Agency, Constitution Center, 400 7th Street, SW, Washington, D.C. 20219
+
+Topic: Housing Market Challenges
+
+[More Information: Agenda, Speaker Profiles, Presentations](/news/public-engagements/econ-summit/spring-2023)
+
+---
+
+## **January-March 2023**
+
+## **Wrap-Up Public Listening Session: FHLBank System at 100**
+
+Date: 3/22/2023, 3/23/2023, and 3/24/2023
diff --git a/chunks/txt/2760976aed5a75a88a10415b29256a17f7727c45f96846a59417451ec64abd0d.txt b/chunks/txt/2760976aed5a75a88a10415b29256a17f7727c45f96846a59417451ec64abd0d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4576b994a7063fe09b434d152f99f96f920da21b
--- /dev/null
+++ b/chunks/txt/2760976aed5a75a88a10415b29256a17f7727c45f96846a59417451ec64abd0d.txt
@@ -0,0 +1,124 @@
+S
+U
+B
+J
+E
+C
+T
+
+2 Uniform Residential Appraisal Report
+The purpose of this summary appraisal report is to provide the lender/client with an accurate, and adequately supported, opinion of the market value of the subject property.
+Property Address 6
+Borrower 10
+Legal Description 13
+Assessor’s Parcel # 14
+Neighborhood Name 17
+Occupant Owner Tenant Vacant
+21
+Property Rights Appraised Fee Simple Leasehold Other (describe) 31
+Assignment Type Purchase Transaction Refinance Transaction Other (describe) 35
+Lender/Client 36
+Is the subject property currently offered for sale or has it been offered for sale in the twelve months prior to the effective date of this appraisal? Yes No
+Report data source(s) used, offering price(s), and date(s). e-2; 40
+
+Tax Year 15
+Map Reference 18
+
+R.E. Taxes $ 16
+Census Tract 19
+
+State 8
+County 12
+
+Owner of Public Record 11
+
+34
+Address 37
+
+Special Assessments $ 23
+
+City 7
+
+Zip Code 9
+
+HOA $ 25 per year per month
+
+PUD
+24
+
+29
+33
+
+4 4a
+
+File # 3
+
+26
+
+20
+
+30
+
+28
+
+32
+
+22
+
+27
+
+39
+
+38
+
+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
+
+41
+
+I did did not analyze the contract for sale for the subject purchase transaction. Explain the results of the analysis of the contract for sale or why the analysis was not
+42
+performed. e-3; 43
+
+Contract Price $ 44
+Is there any financial assistance (loan charges, sale concessions, gift or downpayment assistance, etc.) to be paid by any party on behalf of the borrower? Yes No
+If Yes, report the total dollar amount and describe the items to be paid. 51a; e-4; 51b
+
+Is the property seller the owner of public record? Yes No Data Source(s) 48
diff --git a/chunks/txt/276d6e8ff2f2e1b4bdebbf4dd1bb74bab99abf5e0edbc3ec2dc08da472e46fca.txt b/chunks/txt/276d6e8ff2f2e1b4bdebbf4dd1bb74bab99abf5e0edbc3ec2dc08da472e46fca.txt
new file mode 100644
index 0000000000000000000000000000000000000000..10d5b86a6f0b630e933742d4629dc703b9c64e68
--- /dev/null
+++ b/chunks/txt/276d6e8ff2f2e1b4bdebbf4dd1bb74bab99abf5e0edbc3ec2dc08da472e46fca.txt
@@ -0,0 +1,159 @@
+3,002 Sq. Ft.
+0 Sq. Ft.
+1,300 Sq. Ft.
+230 Sq. Ft.
+Physical Measurement
+
+Similar
+
+Level and Room Detail
+
+Level in Unit
+Level B1
+
+Grade Level Detail
+Partially Below Grade
+Interior and Exterior Access
+Walk Out
+
+Finish
+Finished
+
+Level 1
+
+Above Grade
+
+Unfinished
+
+Finished
+
+Levels in Unit
+Occupancy
+Total Bedrooms
+Total Bathrooms - Full
+Total Bathrooms - Half
+
+3
+Owner
+5
+3
+1
+
+Area
+1,300 Sq. Ft.
+
+230 Sq. Ft.
+
+1,470 Sq. Ft.
+
+Room Summary
+1 - Bath - Half
+1 - Media Room
+1 - Recreation Room
+1 - Wet Bar
+
+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
diff --git a/chunks/txt/277a9eb93c2f6eed43250614bcd4b6126e3e9824e27cfbdb71ada442dc6059ce.txt b/chunks/txt/277a9eb93c2f6eed43250614bcd4b6126e3e9824e27cfbdb71ada442dc6059ce.txt
new file mode 100644
index 0000000000000000000000000000000000000000..96cef3586aca4fcef55e51c60cc4164dafb23ef7
--- /dev/null
+++ b/chunks/txt/277a9eb93c2f6eed43250614bcd4b6126e3e9824e27cfbdb71ada442dc6059ce.txt
@@ -0,0 +1,118 @@
+/VALUATION_RESPONSE/PROPERTY/@_PostalCode
+
+13
+
+14
+
+15
+
+16
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+Project Name and
+
+Project Name
+
+The name of the project in which subject
+property is located (e.g., the name of the
+condominium or cooperative).
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/@_Name
+
+Phase
+
+Project Phase
+Identifier
+
+The current phase number of a multi-
+phase development project.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/@_PhaseIdentifier
+
+SALES
+COMPARISON
+APPROACH
+
+Sale Price
+
+Property Sales
+Amount
+
+The sales price of the referenced property.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/@PropertySalesAm
+ount
+
+SALES
+COMPARISON
+APPROACH
+
+Sale Price/Gross Liv. Area
+
+Sales Price Per
+Gross Living Area
+Amount
+
+The sales price in terms of dollars per
+square foot of gross living area. This is a
+ratio between the sales price and an area,
+but it is a monetary value rather than a
+factor or rate. (CALCULATED
+RESULTS FIELD)
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/@SalesPricePerGro
+ssLivingAreaAmount
+
+40
+
+2
+
+10
+
+60
+
+20
+
+11
+
+12
+
+Implementation Notes
+
+Conditionality Description
+
+Data Field
+Conditionality
+
+PDF Display Format:
+Whole dollars only.
+
+PDF Display Format:
+Whole dollars only.
+
+PDF Display Format:
+Numeric, 5-digit maximum.
+
+PDF Display Format:
+Whole dollars only.
+
+PDF Display Format:
+Whole dollars only.
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach 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)
+This data is referenced more than once on the form (fields 1-6, 3-11, 6-19), and must
+be represented consistently to the extent that the available space permits.
diff --git a/chunks/txt/278f994c705c516c10ea525e4696a2253757e728b1fe98133fe7f5e3fd1fa9db.txt b/chunks/txt/278f994c705c516c10ea525e4696a2253757e728b1fe98133fe7f5e3fd1fa9db.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7a62a577ddb4d212bf114edb5efeed5a3b61f8b6
--- /dev/null
+++ b/chunks/txt/278f994c705c516c10ea525e4696a2253757e728b1fe98133fe7f5e3fd1fa9db.txt
@@ -0,0 +1,171 @@
+\\Images\Coop_Bedroom.png
+
+image/png
+
+LevelOne
+
+Bedroom
+
+\\Images\Coop_Dining_Room.png
+
+image/png
+
+LevelOne
+
+DiningRoom
+
+\\Images\Coop_Bath.png
+
+image/png
+
+LevelOne
+
+Bathroom has a new jacuzzi jetted tub and vanities, flooring, shower with subway tile, and upgraded shower head.
+
+TypicalWearAndTear
+
+High-end residential fixtures and nice decorative finishes
+
+FullBathroom
+
+OneToFiveYears
+
+FullyUpdated
+
+\\Images\Coop_Kitchen.png
+
+image/png
+
+LevelOne
+
+Kitchen has been updated with new fixtures, flooring, and lighting.
+
+TypicalWearAndTear
+
+A mix of restaurant grade and high-end residential appliances
+
+Kitchen
+
+OneToFiveYears
+
+FullyUpdated
+
+\\Images\Coop_Living_Room.png
+
+image/png
+
+LevelOne
+
+LivingRoom
+
+Highrise
+
+TenOrMoreFeet
+
+1
+
+15
+
+Additional commentary can be added here, if needed by Appraiser.
+
+Centralized
+
+NaturalGas
+
+ForcedWarmAir
+
+Other
+
+Fire Suppression
+
+true
+
+PropertyPhoto
+
+\\Images\Coop_Dwelling_Front.png
+
+image/png
+
+DwellingFront
+
+\\Images\Coop_Dwelling_Front.png
+
+image/png
+
+SubjectPropertyImprovementSketch
+
+\\Images\Coop_Sketch.png
+
+image/png
+
+SalesComparableMap
+
+\\Images\Coop_Sales_Map.png
+
+image/png
+
+PropertyAccess
+
+\\Images\Coop_Property_Access.png
+
+image/png
+
+PriceTrendGraph
+
+\\Images\Coop_Price_Trend_Graph.png
+
+image/png
+
+DwellingRear
+
+\\Images\Coop_Dwelling_Rear.png
+
+image/png
+
+Parking Lot
+
+View
+
+\\Images\Coop_View.png
+
+image/png
+
+Inground Pool
+
+ProjectAmenity
+
+\\Images\Coop_Pool.png
+
+image/png
+
+Theater
+
+ProjectAmenity
+
+\\Images\Coop_Theater.png
+
+image/png
+
+2019-08-28
+
+Physical
+
+Physical
+
+30
+
+true
+
+30
+
+585000
+
+585000
+
+2019-08-22
+
+DC-687541
+
+2019-07-23
+
+Pending
diff --git a/chunks/txt/2790d4c7ebe333de5358725e3f254e02a2bcc1d25076ec780628e0d8d34b31b2.txt b/chunks/txt/2790d4c7ebe333de5358725e3f254e02a2bcc1d25076ec780628e0d8d34b31b2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8e503226c7dd84a84c3c6c8fb5b6d004282f0f24
--- /dev/null
+++ b/chunks/txt/2790d4c7ebe333de5358725e3f254e02a2bcc1d25076ec780628e0d8d34b31b2.txt
@@ -0,0 +1,125 @@
+Company Name
+
+Company Address
+
+Appraiser
+
+Name
+Company Name
+Company Address
+
+Empty Bank
+200 Tree St
+Somewhere, VA 12345
+
+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
+
+Credentials
+
+ID
+State
+Expires
+
+Credentials
+
+Level
+ID
+State
+Expires
+
+5419-2123.4
+VA
+04/30/2022
+
+Certified Residential
+XYZ12345
+VA
+12/31/2019
+
+Subject Property
+
+Physical Address
+
+County
+Neighborhood Name
+
+456 Something Rd
+Somewhere, VA 12345
+Fabricated
+Unreal Farms
+
+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
+
+
+
+
+
+
+
+
+
+
+Ownership Rights
+
+Property Rights Appraised
+Community Land Trust
+
+Ground Rent Annual Amount
+
+Renewable
+Expires
+
+Leasehold
+No
+$1,200
+Yes
+06/2099
+
+Description of Ground Rent and Impact to Value/Marketability
+Leasehold properties are common in the subject’s immediate
+market area with most leases having automatic renewal terms of
+50 or 100 years. The lease fees are generally minimal in comparison
+to property values and appear to have no impact on the value or
+marketability of the properties. The appraisal utilizes 3 sales of
+comparable leasehold properties from the subject’s neighborhood
+in the sales comparison approach.
diff --git a/chunks/txt/2799fddcc883ed1a54dfe660a606ef531e459dfc168e29278c92b5a38aebfc4d.txt b/chunks/txt/2799fddcc883ed1a54dfe660a606ef531e459dfc168e29278c92b5a38aebfc4d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9dc7c28ebea3043151d95d39e12fb4c7b0996e3d
--- /dev/null
+++ b/chunks/txt/2799fddcc883ed1a54dfe660a606ef531e459dfc168e29278c92b5a38aebfc4d.txt
@@ -0,0 +1,39 @@
+Financial Services
+
+Washington, DC](https://www.linkedin.com/company/ginnie-mae?trk=similar-pages)
+ - [![image]() ### Capital One
+
+Financial Services
+
+McLean, Va](https://www.linkedin.com/company/capital-one?trk=similar-pages)
+ - [![image]() ### National Low Income Housing Coalition
+
+Public Policy Offices
+
+Washington, D.C.](https://www.linkedin.com/company/national-low-income-housing-coalition?trk=similar-pages)
+ Show more similar pages Show fewer similar pages
+
+## Browse jobs
+
+- [### Analyst jobs
+
+694,057 open jobs](https://www.linkedin.com/jobs/analyst-jobs?trk=organization_guest-browse_jobs)
+ - [### Real Estate Analyst jobs
+
+28,041 open jobs](https://www.linkedin.com/jobs/real-estate-analyst-jobs?trk=organization_guest-browse_jobs)
+ - [### Budget Analyst jobs
+
+55,689 open jobs](https://www.linkedin.com/jobs/budget-analyst-jobs?trk=organization_guest-browse_jobs)
+ - [### Real Estate Manager jobs
+
+19,557 open jobs](https://www.linkedin.com/jobs/real-estate-manager-jobs?trk=organization_guest-browse_jobs)
+ - [### Financial Analyst jobs
+
+102,246 open jobs](https://www.linkedin.com/jobs/financial-analyst-jobs?trk=organization_guest-browse_jobs)
+ - [### C Developer jobs
+
+35,747 open jobs](https://www.linkedin.com/jobs/c-developer-jobs?trk=organization_guest-browse_jobs)
+ - [### Auditor jobs
+
+90,908 open jobs](https://www.linkedin.com/jobs/auditor-jobs?trk=organization_guest-browse_jobs)
+ - [### Marketing Analyst jobs
diff --git a/chunks/txt/279d1eec0fc01e1fb538bed0ce989c1139c4d889ca6738156a5a9f4fe7bebc4d.txt b/chunks/txt/279d1eec0fc01e1fb538bed0ce989c1139c4d889ca6738156a5a9f4fe7bebc4d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5251ec94b3103d39f3a2de42d93c6a4089a7096c
--- /dev/null
+++ b/chunks/txt/279d1eec0fc01e1fb538bed0ce989c1139c4d889ca6738156a5a9f4fe7bebc4d.txt
@@ -0,0 +1,44 @@
+o Display the label Total Estimated Cost of Items Recommended for Repair and DefectCostToRepairTotalAmount (UID:
+
+3900.0002, FID: 1.083) below the table.
+
+o Do not display the column Estimated Cost to Repair and Total Cost amount.
+
+• When CostToRepairType (UID: 3900.0001 FID: Not on report) = “None”
+
+o Do not display the column Estimated Cost to Repair and Total Cost amount or the label Total Estimated Cost of Items
+
+Recommended for Repair. (Figure 1 - 5)
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Recommended Action but no Estimated Cost to Repair
+
+Figure 1 - 5
+
+Page 77
+
+As Is Overall Condition Rating
+
+When NewConstructionIndicator = "false" AND (PropertyValuationConditionalConclusionType = "SubjectToCompletionPerPlans" OR
+"SubjectToRepair")
+
+• Display As Is Overall Condition Rating – PropertyAsIsConditionRatingCode (UID: 1300.0034, FID: 1.082) and display static text in
+italics, “Existing condition of the property as of the effective date of this appraisal, excluding all required repairs, alterations, or
+inspections” below label As Is Overall Condition Rating. (Figure 1 - 6)
+
+Figure 1 - 6
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+02 Assignment Information
+
+Page 78
+
+The Assignment Information section provides information about the entities involved in the appraisal, and work completed by the
+appraiser and other parties. The section provides space for commentary and exhibits.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+The Assignment Information section provides information about the entities involved in the appraisal, and work completed by the
+appraiser and other parties. This section provides space for additional commentary and exhibits.
diff --git a/chunks/txt/27b8d4676f6624356ccfb21db73e813761d39bb6e9c43467d18c3890568367fc.txt b/chunks/txt/27b8d4676f6624356ccfb21db73e813761d39bb6e9c43467d18c3890568367fc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4b9911c8894e8304f72febcf099d75602fdb82f7
--- /dev/null
+++ b/chunks/txt/27b8d4676f6624356ccfb21db73e813761d39bb6e9c43467d18c3890568367fc.txt
@@ -0,0 +1,61 @@
+Figure 80. Rendering ConstructionLoanIndicator on the CD.
+
+3.0 Loan Information
+
+3.3 Product Construction
+
+5. DEMAND FEATURE
+
+The DemandFeatureIndicator value shows whether the note permits the lender to demand early repayment of the loan.
+
+Figure 81. Rendering DemandFeatureIndicator on the CD.
+
+Loan Disclosures
+
+17.2 Demand Feature
+
+17.0
+
+Your loan
+ has a demand feature, which permits your lender to require early repayment of the loan. You should review your note
+for details.
+
+ does not have a demand feature.
+
+6. ESCROW ACCOUNT
+
+Lenders can establish an escrow account on behalf of the borrower to pay some or all property costs associated with the
+
+loan.
+
+Three distinct types of escrow data are specified in UCD v2.0:
+
+i.
+
+Initial escrow funds collected at closing
+
+ii. Projected housing expenses included in the monthly payment and an indication whether they are escrowed
+
+iii. The indication whether the loan has an escrow account, and if not, why not. In the XML file, the escrow account
+
+decision data points are considered characteristics of the loan.
+
+Figure 82. Rendering Escrow Account Data on the CD.
+
+18.0 Escrow Account
+
+For now, your loan
+
+18.1 will have an escrow account (also called an “impound” or “trust” account) to pay the property costs listed below….
+
+18.1, cont’d will not have an escrow account because you declined it your lender does not offer one.
+
+7.
+
+INTEREST ONLY
+
+The GSEs do not purchase loans with interest only terms, so the value for InterestOnlyIndicator should always be “false”.
+
+Figure 83. Rendering InterestOnlyIndicator on the CD.
+
+Loan Terms
diff --git a/chunks/txt/27ba7047eab458ca6ebafd0255d6559382a8a29cbbe284972d941e9349dee8a3.txt b/chunks/txt/27ba7047eab458ca6ebafd0255d6559382a8a29cbbe284972d941e9349dee8a3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..aed545edc1092f75ccd3f22ee130ee74d45d95c0
--- /dev/null
+++ b/chunks/txt/27ba7047eab458ca6ebafd0255d6559382a8a29cbbe284972d941e9349dee8a3.txt
@@ -0,0 +1,127 @@
+4.3.2 YES
+
+4.3.3
+▪ See AP Table on page 4 for details
+
+Figure 127. Loan Terms Table for Seasonal Payment Loan
+
+The data points used to provide this information are shown in the table below. Note that the required format
+for data points ending in “Month” is “—MM”. (Two hyphens precede the 2-digit representation of the month.)
+
+Table 138. Seasonal Payment Loan
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0 Value
+
+Notes
+
+19.4
+
+Seasonal Payments?
+YES
+
+…/LOAN_DETAIL
+
+SeasonalPaymentFea
+tureIndicator
+
+true
+
+ROF as “YES”
+
+19.5 |
+4.3
+
+ Principal
+and Interest
+Payments
+
+19.4.1 Seasonal Payments?
+
+YES From to
+
+
+19.4.1 Seasonal Payments?
+
+YES From to
+
+
+…/PAYMENT/PAYME
+NT_RULE
+
+PaymentFrequencyT
+ype
+
+Monthly
+
+SeasonalPaymentPer
+iodStartMonth
+
+--06
+
+SeasonalPaymentPer
+iodEndMonth
+
+--08
+
+ROF as “From June”
+
+ROF as “to August”
+
+Appendix E: UCD Implementation Guide
+
+Page 206 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+20.0 Adjustable Interest Rate (AIR) Table
+
+20.0 ADJUSTABLE INTER EST RATE (AIR) TABLE
+
+The Adjustable Interest Rate (AIR) Table is included in the following Closing Disclosure variations:
+
+Form
+Field ID
+
+20.0
+
+Table 139. Required Sections for each Closing Disclosure Variation -- UPDATED
+
+Form Section Name
+
+Purchase Transactions Only
+
+Model Form
+
+Split-Borrower Only
+
+Non-Seller Transactions Only
+Alternate Form
+
+Adjustable Interest Rate
+(AIR) Table
+
+ARM, Step Rate, Temp
+Buydown
+
+ARM, Step Rate, Temp
+Buydown
+
+ARM, Step Rate, Temp
+Buydown
+
+The AIR Table must be included in the Closing Disclosure if the loan has terms that allow the interest rate to
+adjust after consummation, either based on changes to an index (e.g., an ARM) or a schedule (e.g., a Step Rate
+or Temporary Buydown Subsidy). The AIR Table must be excluded if the loan does not have these features. The
+lender may not disclose a blank table or a table with ‘‘N/A’’ inserted within each row.
diff --git a/chunks/txt/27bb6e0c934524cd8ace0d897cb28f23c3e486e414295fb7e8fcef659e2d376e.txt b/chunks/txt/27bb6e0c934524cd8ace0d897cb28f23c3e486e414295fb7e8fcef659e2d376e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..91f01a70e1038a47fc70744b0e7e7f96c27abee8
--- /dev/null
+++ b/chunks/txt/27bb6e0c934524cd8ace0d897cb28f23c3e486e414295fb7e8fcef659e2d376e.txt
@@ -0,0 +1,107 @@
+5.092
+
+EscrowIndicator
+
+4.019
+
+InterestOnlyIndicator
+
+4.007
+
+InterestRateIncreaseIndicator
+
+4.002
+
+LoanAmountIncreaseIndicator
+
+3.032 MIRequiredIndicator
+
+4.033 NegativeAmortizationIndicator
+
+false
+
+false
+
+true
+
+false
+
+true
+
+false
+
+If the value of the EscrowIndicator = “true”
+FirstYearTotalEscrowPaymentAmount will have a non-
+zero value and at least one instance of
+ProjectedPaymentEscrowedType will = “Escrowed”.
+
+Because InterestOnlyIndicator should always be
+“false” the container and data point
+INTEREST_ONLY/InterestOnlyTermMonthsCount in
+have been removed from UCD v2.0.
+
+If LoanAmortizatonType = “AdjustableRate” deliver
+“true”.
+
+Must always be false.
+
+See Table 60 for additional data points required when
+“true”.
+
+Because the value must equal “false” the container
+structure NEGATIVE_AMORTITION has been removed
+from UCD v2.0.
+
+4.017
+
+PaymentIncreaseIndicator
+
+true
+
+▪ Provide “true” only when LoanAmortizationType =
+
+4.026
+
+PrepaymentPenaltyIndicator
+
+false
+
+“AdjustableRate”.
+
+▪ UCD v2.0 no longer includes the
+
+PRINCIPAL_AND_INTEREST_PAYMENT_ADJUSTMEN
+T structure, which captures information about
+payments adjusting independently.
+
+Because the value must equal “false” the structure
+PREPAYMENT_PENALTY has been removed from UCD
+v2.0.
+
+UCD v2.0 Implementation Guide
+
+- 115 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Table 54. UCD v2.0 Spec Excerpt – Loan Features Data Requirements.
+
+UCD UID MISMO v3.3.0 Data Point
+
+Delivered Value
+
+Implementation Notes
+
+11.041
+
+SeasonalPaymentFeatureIndicator
+
+false
+
+The GSEs do not require details about the seasonal
+payment feature so UCD v2.0 no longer includes data
+points providing that information.
diff --git a/chunks/txt/27d71b2d96267a0a6bbce61ca6446e9dff337edd2d25f457604ba95887ec7966.txt b/chunks/txt/27d71b2d96267a0a6bbce61ca6446e9dff337edd2d25f457604ba95887ec7966.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cd0b48e11c69c06f9ffd9a28f1a24e7edb742160
--- /dev/null
+++ b/chunks/txt/27d71b2d96267a0a6bbce61ca6446e9dff337edd2d25f457604ba95887ec7966.txt
@@ -0,0 +1,170 @@
+Page 163 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
+
+Implementation Notes
+
+Conditionality Description
+
+Data Field
+Conditionality
+
+452
+
+453
+
+454
+
+455
+
+456
+
+457
+
+458
+
+459
+
+460
+
+461
+
+462
+
+463
+
+464
+
+465
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+109
+
+110
+
+111
+
+112
+
+113
+
+114
+
+115
+
+116
+
+116A
+
+116B
+
+117
+
+118
+
+119
+
+SALES
+COMPARISON
+APPROACH
+
+Extra Item Adjustment
+
+Property Feature
+AdjustmentAmount
+
+The dollar amount of the adjustment made
+for the property feature described by
+Property Feature Description. Property
+Feature Name, Description and
+Adjustment are used to capture
+information about property features.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/OTHER_FEAT
+URE_ADJUSTMENT[@PropertyFeatureSequenceIdentifier='1']/@PropertyFeatu
+reAdjustmentAmount
+
+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='2']/@PropertyFeatu
+reDescription
+
+SALES
+COMPARISON
+APPROACH
+
+Extra Item Adjustment
+
+Property Feature
+AdjustmentAmount
+
+The dollar amount of the adjustment made
+for the property feature described by
+Property Feature Description. Property
+Feature Name, Description and
+Adjustment are used to capture
+information about property features.
diff --git a/chunks/txt/27d9d0dc46d50cf8cc33888270b6ab10d17c384a6ee34e139ee812703a72540a.txt b/chunks/txt/27d9d0dc46d50cf8cc33888270b6ab10d17c384a6ee34e139ee812703a72540a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9be94c2c3871d4712b8516f3118ccac0129e9c96
--- /dev/null
+++ b/chunks/txt/27d9d0dc46d50cf8cc33888270b6ab10d17c384a6ee34e139ee812703a72540a.txt
@@ -0,0 +1,5 @@
+Apparent Defects, Damages, Deficiencies (Vehicle Storage) ................................................................................................................................................................. 216
+
+Vehicle Storage Commentary ................................................................................................................................................................................................... 217
+
+Vehicle Storage Exhibits ........................................................................................................................................................................................................... 217
diff --git a/chunks/txt/27e0a09c784ab17e54c70ab23e2d6ba7ab16897ab4c4bc9b8b1c1f434cc78b80.txt b/chunks/txt/27e0a09c784ab17e54c70ab23e2d6ba7ab16897ab4c4bc9b8b1c1f434cc78b80.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6a0dff591849bc26fe746e86404a1df9d4d799e4
--- /dev/null
+++ b/chunks/txt/27e0a09c784ab17e54c70ab23e2d6ba7ab16897ab4c4bc9b8b1c1f434cc78b80.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/data/hpi"
+date_accessed: "2026-01-27T17:54:20.632Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/27e6d10c3cfe07c1f79968e95c046120f948a1de8c2b68ac7f8aa95dd269adc9.txt b/chunks/txt/27e6d10c3cfe07c1f79968e95c046120f948a1de8c2b68ac7f8aa95dd269adc9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f16b9ca43999c3e4f0a9292376b7e934d9504e7a
--- /dev/null
+++ b/chunks/txt/27e6d10c3cfe07c1f79968e95c046120f948a1de8c2b68ac7f8aa95dd269adc9.txt
@@ -0,0 +1,82 @@
+Recommended
+Action
+None
+
+Some hardware noted to be missing from
+cabinets exhibiting moderate wear and tear.
+
+No
+
+None
+
+Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 11 of 29
+
+Unit Interior - Building 2 - Unit 2 (continued)
+
+Unit Interior Commentary
+
+Some areas of deferred maintenance noted and identified in the report for this unit, but the livability of the unit is not affected.
+
+Unit Interior Exhibits
+
+Level 1 - Bedroom - Bedroom 1
+
+Level 1 - Bedroom - Bedroom 2
+
+This is where the Unit 2 Bedroom 1 photo would display.
+
+This is where the Unit 2 Bedroom 2 photo would display.
+
+Level 1 - Bath - Full
+
+Level 1 - Kitchen
+
+This is where the Full Bathroom photo would display.
+
+This is where the Kitchen photo would display.
+
+Level 1 - Living Room
+
+Apparent Defects, Damages, Deficiencies - Cabinetry -
+Bathroom
+
+This is where the Living Room photo would display.
+
+This is where the Bathroom Cabinet Defect photo would display.
+
+Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 12 of 29
+
+Unit Interior - Building 2 - Unit 2 (continued)
+
+Apparent Defects, Damages, Deficiencies - Cabinetry -
+Kitchen
+
+This is where the Kitchen Cabinet Defect photo would display.
+
+Functional Obsolescence
+
+Functional Issues
+
+None
+
+Functional Obsolescence Commentary
+
+No functional or external obsolescence noted.
+
+Vehicle Storage
+
+Storage
+Carport
+
+Driveway
+
+Number of Parking Spaces
+2
diff --git a/chunks/txt/27e6eef0b6c21b1603d1293c160e4722c4fca7283b2e6e80727edf20eba905a8.txt b/chunks/txt/27e6eef0b6c21b1603d1293c160e4722c4fca7283b2e6e80727edf20eba905a8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6352cd70cd3bb733ffc574741274106749533532
--- /dev/null
+++ b/chunks/txt/27e6eef0b6c21b1603d1293c160e4722c4fca7283b2e6e80727edf20eba905a8.txt
@@ -0,0 +1,361 @@
+N
+
+Mean Median Min
+
+Max
+
+P1
+
+P5
+
+P10
+
+P25
+
+P50
+
+P75
+
+P90
+
+P95
+
+P99
+
+appraisal_to_contract
+
+746,237 101.5 100.5 50.0 150.0 91.8 97.4 100.0 100.0 100.5 102.0 104.8 107.7 120.0
+
+comparison_to_contract
+
+746,213 101.5 100.5 50.0 150.0 91.8 97.4 100.0 100.0 100.5 102.0 104.8 107.7 120.0
+
+Federal Housing Finance Agency
+
+18
+
+year Frequency Percent
+
+2013
+
+137670
+
+9.29
+
+weight Frequency Percent
+
+2014
+
+105930
+
+7.15
+
+20
+
+1481868
+
+100.00
+
+2015
+
+135232
+
+9.13
+
+2016
+
+164546
+
+11.10
+
+2017
+
+132930
+
+8.97
+
+purpose Frequency Percent
+
+2018
+
+118807
+
+8.02
+
+2019
+
+147432
+
+9.95
+
+2020
+
+227356
+
+15.34
+
+2021
+
+207741
+
+14.02
+
+2022
+
+104224
+
+7.03
+
+1
+
+2
+
+3
+
+9
+
+744127
+
+50.22
+
+729581
+
+49.23
+
+7820
+
+0.53
+
+340
+
+0.02
+
+UAD PUF Version 2.1 Data Dictionary
+
+built_up Frequency Percent
+
+property_value_trend Frequency Percent
+
+1
+
+2
+
+3
+
+9
+
+967411
+
+65.28
+
+490944
+
+33.13
+
+23128
+
+1.56
+
+385
+
+0.03
+
+1
+
+2
+
+3
+
+9
+
+368100
+
+24.84
+
+1104857
+
+74.56
+
+8579
+
+0.58
+
+332
+
+0.02
+
+growth_rate Frequency Percent
+
+1
+
+2
+
+3
+
+9
+
+18277
+
+1.23
+
+1434594
+
+96.81
+
+28642
+
+1.93
+
+355
+
+0.02
+
+number_comparables Frequency Percent
+
+1
+
+2
+
+3
+
+4
+
+5
+
+9
+
+187833
+
+12.68
+
+291087
+
+19.64
+
+417225
+
+28.16
+
+433695
+
+29.27
+
+152024
+
+10.26
+
+4
+
+0.00
+
+lot_size Frequency Percent
+
+owner_occupied Frequency Percent
+
+1
+
+2
+
+3
+
+4
+
+5
+
+9
+
+1
+
+2
+
+9
+
+225625
+
+15.23
+
+584481
+
+39.44
+
+333261
+
+22.49
+
+126632
+
+8.55
+
+210816
+
+14.23
+
+1053
+
+0.07
+
+1037234
+
+70.00
+
+444299
+
+29.98
+
+335
+
+0.02
+
+marketing_time Frequency Percent
+
+1
+
+2
+
+3
+
+9
+
+906100
+
+61.15
+
+548941
+
+37.04
+
+26492
+
+1.79
+
+335
+
+0.02
+
+demand_supply Frequency Percent
+
+1
+
+2
+
+3
+
+9
+
+375375
+
+25.33
+
+1078825
+
+72.80
+
+27337
+
+1.84
+
+331
+
+0.02
+
+Federal Housing Finance Agency
diff --git a/chunks/txt/27e74afb755701accb2113ed651a4ecb2500b68998847ef496cbd1b344ade8c3.txt b/chunks/txt/27e74afb755701accb2113ed651a4ecb2500b68998847ef496cbd1b344ade8c3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..344f21e6bdc4e94c0e25d2489cb232e9a0e38cf0
--- /dev/null
+++ b/chunks/txt/27e74afb755701accb2113ed651a4ecb2500b68998847ef496cbd1b344ade8c3.txt
@@ -0,0 +1,82 @@
+Appendix B-1: URAR Implementation Guide v1.3
+
+Intended User
+
+The Intended User subsection always displays.
+
+Page 365
+
+Report
+Field ID
+
+Intended User Text
+
+Text Conditionality
+
+29.008
+
+The intended user of this appraisal report is the lender/client.
+
+Always displays
+
+FHA and the Mortgagee are the intended users of this appraisal report.
+
+Display descriptive text when GovernmentAgencyAppraisalType = "FHA" AND
+ValuationAssignmentType = "Purchase" OR "Refinance"
+
+29.009
+
+The USDA and any other identified lender/client are intended users of this report.
+
+Display descriptive text when GovernmentAgencyAppraisalType = “USDA”
+
+The VA is also an intended user of this appraisal report.
+
+Display descriptive text when GovernmentAgencyAppraisalType = “VA”
+
+Additional Intended Users – ValuationAdditionalIntendedUserIndicator (UID: 2200.0037, FID: Not on report)
+
+•
+
+If “true”
+
+o Display sub-header: Additional Intended Users (FID: 29.010)
+o Display in italics below sub-header: Additional Intended Users cannot be contrary to the original Intended User.
+o Display the text from ValuationAdditionalIntendedUserDescription (UID: 2200.0004, FID: 29.011) and deliver in XML.
+
+•
+
+If “false”
+
+o Do not display
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Definition of Market Value
+
+The Definition of Market Value subsection always displays.
+
+Page 366
+
+Report
+Field ID
+
+29.012
+
+29.013
+
+Definition of Market Value Text
+
+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.
+*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for costs that are
+normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable because 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/27eb1b22177ca9a278f72565ecb413a114b09b576ec6b40c9e183407804cd161.txt b/chunks/txt/27eb1b22177ca9a278f72565ecb413a114b09b576ec6b40c9e183407804cd161.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b4bdb6ec89fbff446bcc577993f4f19b28655221
--- /dev/null
+++ b/chunks/txt/27eb1b22177ca9a278f72565ecb413a114b09b576ec6b40c9e183407804cd161.txt
@@ -0,0 +1,130 @@
+Overall Flooring
+
+Wool carpeting
+
+Quality carpeting
+
+Condition
+
+Kitchen
+
+Overall Bathrooms
+
+Overall Flooring
+
+C3
+
+Fully Updated
+
+Fully Updated
+
+C3
+
+Fully Updated
+
+Fully Updated
+
+Significantly Updated
+
+Significantly Updated
+
+Overall Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Quality
+
+Condition
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 16 of 22
+Page 16 of 22
+
+Sales Comparison Approach (continued)
+
+Property Address
+
+Property Amenities
+
+Outdoor Living
+
+Whole Home
+
+Vehicle Storage
+
+Subject Property
+201 Underhill Dr, Unit 202
+Nowhere, CA 90021
+
+Comparable #4
+33 Franks Way, Unit 382
+Nowhere, CA 90021
+
+Balcony
+
+Balcony
+
+Indoor Fireplace - 1
+
+—
+
+$5,000
+
+$15,000
+
+Type | Spaces | Details
+
+Parking Garage | 2 | Owned
+
+Parking Garage | 1 | Owned
+
+Summary
+
+List Price
+
+Sale Price
+
+Net Adjustment Total
+
+Price Per Finished Area
+Above Grade
+
+Adjusted Price
+
+Comparable Weight
+
+—
+
+$769,000
+
+—
+
+$20,000
+
+$803
+
+$789,000
+
+Less
+
+Indicated Value by Sales Comparison Approach
+
+Indicated Value
+
+$778,000
+
+Reconciliation of Sales Comparison Approach
+
+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/27ece3de151da099acaad942d3def62ee6e19cc7e689fddaccd7c15c1294e974.txt b/chunks/txt/27ece3de151da099acaad942d3def62ee6e19cc7e689fddaccd7c15c1294e974.txt
new file mode 100644
index 0000000000000000000000000000000000000000..421c5d4bae4f14e55e2c4fc114a69bba31a86b8f
--- /dev/null
+++ b/chunks/txt/27ece3de151da099acaad942d3def62ee6e19cc7e689fddaccd7c15c1294e974.txt
@@ -0,0 +1,32 @@
+• Defect, Damage, or Deficiency
+•
+• Appraisals Completed “As Is”
+• Quality of Construction Rating
+•
+
+Identifying Quality of Construction
+
+Appraiser Selection of Condition, Quality, and other Characteristic Ratings
+
+The appraiser must rate the interior, exterior, and overall condition and quality of construction of the dwelling(s). When selecting
+the overall condition and quality ratings, an appraiser must:
+
+•
+
+consider all dwellings to determine an overall condition and quality rating. The appraiser should select the rating that
+best reflects the dwelling(s) as a whole and in its entirety.
+
+• describe the subject dwelling as of the effective date of the appraisal on an absolute basis, meaning the dwelling must be
+rated on its own merits. The rating should not be selected on a relative basis, meaning it is not selected on how the
+dwelling relates or compares to other properties. Additionally, the condition and quality ratings for comparable
+properties must be made on an absolute basis (again, each comparative dwelling on its own merits), not on a relative
+basis, and reflect the dwelling as of the date of sale of that comparable property.
+
+Note: These requirements also apply to all other ratings or descriptions, including the View and Location.
+
+When an appraiser selects a rating and/or description of the subject property for a sales transaction, the selected rating and/or
+description must remain the same when reflecting that specific transaction. For example, if a C4 rating is selected for the sale of
+the subject property, then that dwelling remains a C4 when using that specific sale as a comparable in future reports. The same
+expectation holds true for ratings and descriptions of comparable sales. When a comparable is used in a subsequent appraisal,
+the ratings and descriptions of that dwelling should not change from one appraisal to the next when it reflects the same sale
+transaction.
diff --git a/chunks/txt/27f2c3503696e7dd28effdf224114470400558534199685265e473de2f9fb004.txt b/chunks/txt/27f2c3503696e7dd28effdf224114470400558534199685265e473de2f9fb004.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fa7b4771eba05254cdc116be9da3448c6a308f05
--- /dev/null
+++ b/chunks/txt/27f2c3503696e7dd28effdf224114470400558534199685265e473de2f9fb004.txt
@@ -0,0 +1,46 @@
+The Regulation, Reg
+
+Integrated Mortgage Closing Disclosure under the Real Estate Settlement Procedures Act (Regulation X) and
+the Truth In Lending Act (Reg Z) issued by the Consumer Financial Protection Bureau published in Vol. 78, No.
+251 of the Federal Register on Tuesday, December 31, 2013.
+
+UCD v2.0 Implementation Guide
+
+- 149 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+Appendix A. Glossary and List of Acronyms
+
+Acronym or Term Description
+
+Table 70. Glossary and List of Acronyms.
+
+Reg Z
+
+Regulation Z implements TILA, which prohibits a creditor from making a higher-priced mortgage loan without
+regard to the consumer’s ATR, and Sections 1411 and 1412 of the Dodd-Frank Wall Street Reform and
+Consumer Protection Act (Dodd-Frank Act), which generally require creditors to make a reasonable, good
+faith determination of a consumer’s ATR for any consumer credit transaction secured by a dwelling and
+establishes certain protections from liability under this requirement for qualified mortgages.
+
+Repeatable
+Container
+
+The MISMO schema structure is built to allow containers to repeat or iterate. This structure is:
+PLURAL_CONTAINER/SINGULAR_CONTAINER. The plural container occurs only once, serving as the anchor for the
+singular container, which can repeat as many times as specified in UCD v2.0.
+
+RESPA
+
+Real Estate Settlement Procedures Act (Regulation X).
+
+Reusable Container,
+Data Point
+
+Many containers hold basic data points that can be used in various contexts. The only way to fully define the
+data in reusable containers is to rely on the XPath to a given container for context. Reusable containers in
+the XML file include ADDRESS, ABOUT_VERSION, INDIVIDUAL, NAME, LEGAL_ENTITY and
+LEGAL_ENTITY_DETAIL,
diff --git a/chunks/txt/27ff7acf77134df91ade61c5c27852fa96b0ed3e2223991572213efbb689a169.txt b/chunks/txt/27ff7acf77134df91ade61c5c27852fa96b0ed3e2223991572213efbb689a169.txt
new file mode 100644
index 0000000000000000000000000000000000000000..336ce14ef58d76a3b489da13a30c4e14104d0e49
--- /dev/null
+++ b/chunks/txt/27ff7acf77134df91ade61c5c27852fa96b0ed3e2223991572213efbb689a169.txt
@@ -0,0 +1 @@
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"taxonomy\/term\/366","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\/single-family-guarantee-fees":true,"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"views":{"ajax_path":"\/views\/ajax","ajaxViews":{"views_dom_id:97223a30016a9e6442040ae2daa693e0fff5aeb8fe0c335985271a2c36022aa4":{"view_name":"reports_taxonomy_view","view_display_id":"block_1","view_args":"366","view_path":"\/taxonomy\/term\/366","view_base_path":null,"view_dom_id":"97223a30016a9e6442040ae2daa693e0fff5aeb8fe0c335985271a2c36022aa4","pager_element":0}}},"better_exposed_filters":{"autosubmit_exclude_textfield":false},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();
diff --git a/chunks/txt/2805cb71815ff4cded26bbd44f335a256c7703408a46eaa217583fb11908d800.txt b/chunks/txt/2805cb71815ff4cded26bbd44f335a256c7703408a46eaa217583fb11908d800.txt
new file mode 100644
index 0000000000000000000000000000000000000000..15d3ea8c2028abbcbc1e5a7fe463d591e1b22a45
--- /dev/null
+++ b/chunks/txt/2805cb71815ff4cded26bbd44f335a256c7703408a46eaa217583fb11908d800.txt
@@ -0,0 +1,25 @@
+HomeReady 30-year product grid coming to PE – Whole
+Loan
+
+Integration Impact Memo
+
+August 15, 2022
+
+Beginning Wednesday, August 24, a new product grid will be available for committing in Pricing & Execution - Whole
+Loan® (PE - Whole Loan®):
+
+• 30-Year Fixed Rate HomeReady® (product code: 163063)
+
+Refer to the updated product mapping guide.
+
+This new product grid is available in our test environment. Please use the following endpoints for testing:
+
+• Browse Price: https://api-clve.fanniemae.com/soap/BrowsePriceB2BService
+
+• Commitment: https://api-clve.fanniemae.com/soap/CommitmentB2BService
+
+Questions? Please email the PE - Whole Loan Integrations Team.
+
+© 2022 Fannie Mae
+
+August 2022 Page 1 of 1
diff --git a/chunks/txt/280ccf99493982a22f7b2ef0d6bc0f0c549e48d345a4f39b63652d1fbd847356.txt b/chunks/txt/280ccf99493982a22f7b2ef0d6bc0f0c549e48d345a4f39b63652d1fbd847356.txt
new file mode 100644
index 0000000000000000000000000000000000000000..11cd6541d4ce049dd10c2c80bc5aacc1876dfd03
--- /dev/null
+++ b/chunks/txt/280ccf99493982a22f7b2ef0d6bc0f0c549e48d345a4f39b63652d1fbd847356.txt
@@ -0,0 +1,120 @@
+Uniform Residential Appraisal Report
+
+Page 23 of 29
+Page 23 of 29
+
+Income Approach (continued)
+
+Income Approach Exhibits
+
+Map of GRM Comparables
+
+This is where the GRM Comparable Map photo would display.
+
+Comparable #1
+
+Comparable #2
+
+This is where the GRM Comparable 1 photo would display.
+
+This is where the GRM 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 24 of 29
+Page 24 of 29
+
+Income Approach (continued)
+
+Comparable #3
+
+This is where the GRM 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
+
+Sales Comparison Approach
+$195,000
+
+Income Approach
+$198,000
+
+Cost Approach
+
+Difficulty Estimating Depreciation
+
+$160,000
+$195,000
+As Is
+
+Reasonable Exposure Time
+Effective Date of Appraisal
+
+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
diff --git a/chunks/txt/2816c005c7eedaa2fef95f448f4f321ef208f49192aab64b6fb0176b517b0ca3.txt b/chunks/txt/2816c005c7eedaa2fef95f448f4f321ef208f49192aab64b6fb0176b517b0ca3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1e0f1434386c0e9aef89b83353237ddc77b92a1f
--- /dev/null
+++ b/chunks/txt/2816c005c7eedaa2fef95f448f4f321ef208f49192aab64b6fb0176b517b0ca3.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/programs/neighborhood-stabilization-initiative"
+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) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/2817a232a1c64f2247ab649e6eb8adb964996657bd5911a41bd2ca8f3b9b8994.txt b/chunks/txt/2817a232a1c64f2247ab649e6eb8adb964996657bd5911a41bd2ca8f3b9b8994.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8410148ec26894c69851a347fcabb8e227f854e0
--- /dev/null
+++ b/chunks/txt/2817a232a1c64f2247ab649e6eb8adb964996657bd5911a41bd2ca8f3b9b8994.txt
@@ -0,0 +1,40 @@
+[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)
+ - [FHFA Policies](/about/fhfa-policies)
+ - FHFA Website Privacy Policy
+
+# FHFA Website Privacy Policy
+
+Thank you for visiting the Federal Housing Finance Agency's (FHFA) website and reviewing our Privacy Policy. The privacy of visitors to our website is of the utmost importance to FHFA. To learn more about how we handle personal information you may choose to submit to us, as well as non-personal information that is automatically collected about your visit, please click on the following links.
diff --git a/chunks/txt/281a0fbabbc23f4e9bd5226423e40c60b447b99cd205e29658e876543b1afa55.txt b/chunks/txt/281a0fbabbc23f4e9bd5226423e40c60b447b99cd205e29658e876543b1afa55.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3174f1f7ad702bf53c48d036c4a0dcc610cfe993
--- /dev/null
+++ b/chunks/txt/281a0fbabbc23f4e9bd5226423e40c60b447b99cd205e29658e876543b1afa55.txt
@@ -0,0 +1,44 @@
+The detached garage for the subject property is reported as Vehicle Storage.
+•
+•
+
+If the subject and all comparables do not have outbuildings, the Outbuilding subsection does not display.
+If a comparable has outbuildings and the subject does not, the Outbuilding subsection displays with
+“dashes” for the subject.
+
+In this example, Comparable #1 has an outbuilding (greenhouse), and the subject does not. The outbuilding
+displays with “dashes” for the subject.
+
+Cost Approach (As Is Value of Site Improvements)
+
+Because the vehicle storage is not considered an outbuilding, if the Cost Approach is included in the appraisal,
+the depreciated cost of the detached garage is reported in the As Is Value of Site Improvements subsection
+instead of Depreciated Cost – Outbuilding.
+
+Appendix F-1: URAR Reference Guide
+
+Page 364 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Appendix 4: Detached Garage Examples
+
+Example 2: Detached Garage with Additional Separate Area (No ADU)
+
+In this example the subject has a multipurpose outbuilding with 900 sq. ft. of Gross Building Area (GBA) for the
+outbuilding that includes:
+• 400 sq. ft. 2-car garage
+• 450 sq. ft. unfinished area that is used for a workshop
+• 50 sq. ft. finished area (full bath)
+The entire outbuilding is heated.
+Outbuilding Type is selected as Other, and described as Workshop/Garage.
+
+Note: This example applies regardless of the square footage of the additional area.
+
+Outbuilding – Workshop/Garage
+
+In this example, Outbuilding Type is selected as Other, and described as Workshop/Garage.
+• Units in Structure is 0 because the outbuilding does not include an ADU.
+• For Gross Building Area, the total GBA is reported (400 sq. ft. 2-car garage + 450 sq. ft. unfinished area + 50
diff --git a/chunks/txt/281b8c4a72f7258df6882e3288931f69cf8c216274ebc885f41ade42256fdf72.txt b/chunks/txt/281b8c4a72f7258df6882e3288931f69cf8c216274ebc885f41ade42256fdf72.txt
new file mode 100644
index 0000000000000000000000000000000000000000..12d9ce20b89344813f8f9ad92cf2366d583fbb81
--- /dev/null
+++ b/chunks/txt/281b8c4a72f7258df6882e3288931f69cf8c216274ebc885f41ade42256fdf72.txt
@@ -0,0 +1,44 @@
+DU for Government Integration Impact Memo
+Nov. 2022 Release
+
+Oct. 19, 2022
+
+During the weekend of Nov. 19, 2022, Desktop Underwriter® (DU®) for government loans will be updated with the
+changes specified below. These changes will apply to all loan casefiles submitted or resubmitted on or after the
+weekend of Nov. 19, 2022.
+
+N O T E : For ease of reference, this document generally uses the term “DU” to refer to “DU for government loans.”
+
+Support of the new FHA Positive Rental History Indicator
+
+On Sept. 27, 2022, FHA published Mortgagee Letter 2022-17 regarding the introduction of positive rental history. On
+Sept. 28, 2022, Fannie Mae published the DU Specification (DU Spec) version 1.8.3, which included a new indicator
+related to positive rental payment history. DU will now accept this optional indicator and send it to FHA for use by the
+FHA TOTAL scorecard. The indicator will be added to the Government section of the Desktop Originator® (DO®)/(DU)
+user interface and be called: Positive Rental History.
+
+How will this affect my integrated system(s) and User Interface?
+
+Integrated System(s)
+
+When sending the MISMO v3.4 data point ULAD:PositiveRentalHistoryIndicator with a “true” enumeration on an FHA
+Purchase loan casefile with a positive rental history, DU will issue message ID 2476 to indicate Positive Rental History
+on the loan application. Verify and document the Positive Rental History FHA Single Family Housing Policy Handbook
+4000.1.
+
+Unique ID
+
+13.0011
+
+MISMO 3.4 Data Point Name
+
+DU Supported Enumerations
+
+ULAD:PositiveRentalHistoryIndicator
+
+false
+
+true
+
+N O T E : Fannie Mae’s DU Specification can be found at: https://singlefamily.fanniemae.com/technology-
+integration/technology-integration-resources
diff --git a/chunks/txt/281f124b6c3cfefbe8231cf388a07c616ccf8a100fcb9155e9f5252eac17ddc3.txt b/chunks/txt/281f124b6c3cfefbe8231cf388a07c616ccf8a100fcb9155e9f5252eac17ddc3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..397d5606393280dc51ed28945edef87e39fa6ed8
--- /dev/null
+++ b/chunks/txt/281f124b6c3cfefbe8231cf388a07c616ccf8a100fcb9155e9f5252eac17ddc3.txt
@@ -0,0 +1,5 @@
+TX-B – Subheading Bold ...................................................................................................................................... 20
+
+Main Report Text........................................................................................................................................... 21
+
+TXR-B – Text with Rule Bold ................................................................................................................................ 21
diff --git a/chunks/txt/2826f23ec01ab01747b07c76c44d7584e557e8b35ebe417b7d19df9aa32ae427.txt b/chunks/txt/2826f23ec01ab01747b07c76c44d7584e557e8b35ebe417b7d19df9aa32ae427.txt
new file mode 100644
index 0000000000000000000000000000000000000000..59e855646d0f7900902d5cf5e6899f2791315979
--- /dev/null
+++ b/chunks/txt/2826f23ec01ab01747b07c76c44d7584e557e8b35ebe417b7d19df9aa32ae427.txt
@@ -0,0 +1,223 @@
+Uniform Residential Appraisal Report
+
+Page 15 of 22
+Page 15 of 22
+
+Sales Comparison Approach (continued)
+
+General Information
+
+Property Address
+
+Subject Property
+
+Comparable #4
+
+201 Underhill Dr, Unit 202
+Nowhere, CA 90021
+
+33 Franks Way, Unit 382
+Nowhere, CA 90021
+
+Data Source
+
+Proximity to Subject
+
+List Price
+
+Listing Status
+
+Sale Price
+
+Financing Type
+
+Sales Concessions
+
+Contract Date
+
+Sale Date
+
+Days on Market
+
+MLS M51774
+
+0.51 Miles NW
+
+$769,000
+
+Active
+
+—
+
+—
+
+—
+
+—
+
+—
+
+2
+
+—
+
+—
+
+—
+
+—
+
+—
+
+Attached/Detached
+
+Property Rights Appraised
+
+Attached
+
+Fee Simple
+
+Attached
+
+Fee Simple
+
+Project Information
+
+Project Name | Same
+Project as Subject
+
+Monthly Fee
+
+The MI5
+
+$604
+
+$(40,000)
+
+The XYZ | No
+
+$828
+
+Common Amenities/Services
+
+Built-in Pool | Inground
+Spa | Unit Storage
+
+Fitness Area | Inground Pool |
+Inground Spa | Unit Storage
+
+Special Assessments
+
+Existing
+
+None
+
+Site
+
+Neighborhood Name
+
+View | Range
+
+Dwelling(s)
+
+Year Built
+
+Structure Design
+
+Heating
+
+Cooling
+
+Units
+
+Floor Number
+
+Corner Unit
+
+Bedrooms
+
+Baths - Full | Half
+
+Eastwood
+
+Eagle Hills
+
+$0
+
+Residential | Full
+
+Skyline | Partial
+
+$(10,000)
+
+1973
+
+Mid-rise
+
+1973
+
+Mid-rise
+
+Forced Warm Air | Natural Gas
+
+Forced Warm Air
+
+Centralized
+
+Centralized
+
+2
+
+No
+
+2
+
+2 | 0
+
+$0
+
+3
+
+No
+
+2
+
+1 | 0
+
+$10,000
+
+Finished Area Above Grade
+
+Finished Area Below Grade
+
+1,092 Sq. Ft.
+
+958 Sq. Ft.
+
+$40,000
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Interior Quality and Condition
+
+Quality
+
+Kitchen
+
+Q4
+
+Q4
+
+Quality components
+
+Quality components
+
+Overall Bathrooms
+
+Decorative tiling and finishes
+
+Decorative tiling and finishes
diff --git a/chunks/txt/282aaa9a82fa4af16771c8c5c38e23d5a8773ca0abae644389b3649a259fd493.txt b/chunks/txt/282aaa9a82fa4af16771c8c5c38e23d5a8773ca0abae644389b3649a259fd493.txt
new file mode 100644
index 0000000000000000000000000000000000000000..128212e141c8936e432eae34fb93c551e9572bf3
--- /dev/null
+++ b/chunks/txt/282aaa9a82fa4af16771c8c5c38e23d5a8773ca0abae644389b3649a259fd493.txt
@@ -0,0 +1,150 @@
+Data Format:
+yyyy-mm-dd
+
+PDF Display Format:
+mm/dd/yyyy
+
+This field should be populated if field 6-27
+(Supervisor Name) is populated
+
+This field should be populated if field 6-27
+(Supervisor Name) is populated
+
+This field should be populated if field 6-27
+(Supervisor Name) is populated
+
+This field should be populated if field 6-27
+(Supervisor Name) is populated
+
+This field should be populated if field 6-27
+(Supervisor Name) is populated
+This field should be populated if field 6-27
+(Supervisor Name) is populated
+
+This field should be populated if field 6-27
+(Supervisor Name) is populated
+
+APPRAISER
+CERTIFICATION
+
+Supervisory 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/SUPERVISOR/APPRAISER_LICE
+NSE[@_Type=‘Certificate’]/@_Identifier
+
+50
+
+String
+
+UAD Requirement – Refer to Appendix D Appraiser Certification Section
+.
+
+If field 6-27 (Supervisor Name) is populated or
+field 6-15 is populated with 'trainee', then one
+and only one of fields 6-34, 6-35 (Appraiser
+License Identifier) must be populated.
+
+CR
+
+R
+
+R
+
+R
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+Form FNM 2055 FRE 2055
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 210 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
+
+492
+
+493
+
+494
+
+495
+
+496
+
+497
+
+498
+
+499
+
+500
+
+6
+
+6
+
+6
diff --git a/chunks/txt/2844a55ae9f14d47178a65e8d4c17f5cf2f7bba3a84d36f157bfd6cfaffee198.txt b/chunks/txt/2844a55ae9f14d47178a65e8d4c17f5cf2f7bba3a84d36f157bfd6cfaffee198.txt
new file mode 100644
index 0000000000000000000000000000000000000000..88f740479dee3a9ce25df05ed6811e89ecbbd661
--- /dev/null
+++ b/chunks/txt/2844a55ae9f14d47178a65e8d4c17f5cf2f7bba3a84d36f157bfd6cfaffee198.txt
@@ -0,0 +1,41 @@
+Desktop Underwriter/Desktop Originator Release Notes
+DU Version 11.1 July Update
+
+May 29, 2024
+
+During the weekend of July 20, 2024, 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 July 20, 2024.
+
+The changes in this release include the following:
+▪ Mission Index Information
+▪ Duty to Serve Update
+▪ Potential Red Flag Occupancy Message
+▪ Loan Application Data Validation Updates
+▪ Updates to Align with the Selling Guide
+
+Mission Index Information
+
+In support of the Mission Index announced earlier this year, Fannie Mae is updating DU to help lenders identify potential mission-
+oriented opportunities.
+
+DU will issue an Observation message identifying the preliminary Mission Index information for the loan, which is the sum of the
+three categories below:
+
+▪
+
+Income: This category will receive a 1 when the total qualifying income is 80% or less of the applicable area median
+income (AMI) for the subject property’s location.
+
+Note: DU is not able to determine if the loan meets the Affordable Rental criterion as the rent per unit and the number of
+bedrooms per unit is not data that is available in the loan application.
+
+▪ Borrower: This category will receive a 1 when one of the following is met:
+
+▪ At least one borrower on the loan is a first-time homebuyer and the total qualifying income is
+
+100% or less of the applicable AMI, or
+
+▪
+
+the borrower currently resides in an underserved market.
diff --git a/chunks/txt/2855e692a041bec90ab2c624343d69f16fb7eadf705bb2580a1ba8b324f0d559.txt b/chunks/txt/2855e692a041bec90ab2c624343d69f16fb7eadf705bb2580a1ba8b324f0d559.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b9a7ea760c2e3fcbaf82f23b0ca7901e3d7dec63
--- /dev/null
+++ b/chunks/txt/2855e692a041bec90ab2c624343d69f16fb7eadf705bb2580a1ba8b324f0d559.txt
@@ -0,0 +1,3 @@
+Overview.......................................................................................................................................................................................................................... 6
+
+Table Column Headers ................................................................................................................................................................................................................ 6
diff --git a/chunks/txt/2865e3d3ef8b655a5137b64ca2282c16b372c4d7893d5f5f1a2761f60c287e20.txt b/chunks/txt/2865e3d3ef8b655a5137b64ca2282c16b372c4d7893d5f5f1a2761f60c287e20.txt
new file mode 100644
index 0000000000000000000000000000000000000000..31fb64bbff331faaf3fecfd78bbef53edf1e4e54
--- /dev/null
+++ b/chunks/txt/2865e3d3ef8b655a5137b64ca2282c16b372c4d7893d5f5f1a2761f60c287e20.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/reports/fhfa-ai-compliance-plan"
+date_accessed: "2026-01-27T17:47:55.307Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/28876920d709831509629092fea5855db90e96427d4c7a9c4c5c34df0d984798.txt b/chunks/txt/28876920d709831509629092fea5855db90e96427d4c7a9c4c5c34df0d984798.txt
new file mode 100644
index 0000000000000000000000000000000000000000..04d975a33d145f4bac09b9de89e5c9d7efdf4ddf
--- /dev/null
+++ b/chunks/txt/28876920d709831509629092fea5855db90e96427d4c7a9c4c5c34df0d984798.txt
@@ -0,0 +1,73 @@
+• These tables set in the same style as other tables in the report, with these exceptions:
+
+o There are no column heads (TCH)
+
+o The content of the rows in the second and third columns is calculated for a “Total” which displays
+
+in the last row, third column
+
+Indicated Value by Cost Approach (H1)
+
+The calculated Indicated Value by Cost Approach ($ figure) sets as part of H1, flush right x 45 picas
+
+Right-hand side of page
+
+•
+
+“Depreciated Cost of Dwellings,” “Depreciated Cost of Outbuildings,” “As Is Value of Site
+Improvements,” “Opinion of Site Value” set as TXR-B, TXR
+
+Depreciated Cost – Dwelling – [Structure Identifier] (H1)
+
+In the H1, brackets do not set, they indicate a placeholder.
+
+Depreciated Cost of Dwelling table
+
+Set 3 column table x 28 picas 6 points
+
+• Column 1:
+
+9 picas 8 points wide (~39 characters max, per line, per cell)
+
+• Column 2:
+
+14 picas 4 points wide (~56 characters max, per line, per cell)
+
+• Column 3:
+
+4 picas 6 points wide (~17 characters max, per line, per cell)
+
+• Total cells:
+
+4 picas 6 points wide (~17 characters max, per line, per cell)
+
+Appendix E: Report Style Guide
+
+Page 70 of 90
+
+Version 1.4
+
+DEPRECIATED COST OF DWELLING TABLE
+
+• Content in table sets as TB
+
+• First column entries as needed: [Area Type], “Physical Depreciation,” “Functional
+
+Depreciation,” “External Depreciation,” “Total Depreciation,” “Manufactured Home Delivery,
+Installation, and Set Up”.
+
+•
+
+“Total” sets as TB_sub-H1-R, in white type
+
+o 4p6 (~17 characters max, per line, per cell)
+
+Left-hand side of page
+
+•
+
+•
+
+•
+
+“Remaining Economic Life,” “Effective Age” set as TXR-B, TXR
diff --git a/chunks/txt/288aae7087d9ebeb9f406f319ec830c5b92d3aba8576988828da3fb8e4593af2.txt b/chunks/txt/288aae7087d9ebeb9f406f319ec830c5b92d3aba8576988828da3fb8e4593af2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4c605c343eece0d157e64ab498626e371474195e
--- /dev/null
+++ b/chunks/txt/288aae7087d9ebeb9f406f319ec830c5b92d3aba8576988828da3fb8e4593af2.txt
@@ -0,0 +1,109 @@
+None
+None
+
+Green/Energy Efficiency Rating
+Organization
+RESNET
+
+Rating
+HERS
+
+Score
+62
+
+Energy Efficient and Green Features Impact to Value/Marketability
+
+Impact to Value/Marketability
+
+Neutral
+
+Energy Efficient and Green Features Commentary
+
+On average, homes with a HERS Index rating of 62 are 38% more energy efficient than a standard new house.
+
+Energy Efficient and Green Features Exhibits
+
+RESNET HERS Score
+
+Appraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 5 of 21
+Page 5 of 21
+
+Sketch
+
+Measurement Standard
+
+ANSI
+
+Sketch
+
+Dwelling Exterior
+
+Subject Property Units in
+Structure
+Dwelling Style
+Front Door Elevation
+Year Built
+Construction Method
+Converted Area
+
+1
+Colonial
+3-4 Ft.
+2004
+Site Built
+None
+
+This is where the Subject Property photo would display.
+
+Appraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 6 of 21
+Page 6 of 21
+
+Dwelling Exterior (continued)
+
+Quality and Condition
+
+Exterior Quality Rating
+
+Q4
+
+Exterior Condition Rating
+
+C4
+
+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
+
+Detail
+Vinyl
+
+Quality Comment
+
+Foundation
+
+Roof
+
+Windows
+
+Poured Concrete | Basement
+
+Composition
+Estimated Age: 10-20 years
+
+Vinyl Double Hung -
+Thermal Pane
+
+Double Thermal Pane
+contributes to Energy
+Efficiency.
diff --git a/chunks/txt/2890ddc443b2f60c9c171507f3c0a306ee18b3f26dce7952e0daa628764769d4.txt b/chunks/txt/2890ddc443b2f60c9c171507f3c0a306ee18b3f26dce7952e0daa628764769d4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..de8ebe7ead695e28f6f0d35eb642248a3b4c957e
--- /dev/null
+++ b/chunks/txt/2890ddc443b2f60c9c171507f3c0a306ee18b3f26dce7952e0daa628764769d4.txt
@@ -0,0 +1,89 @@
+Overall Bathrooms
+Quality Summary does
+not populate from Unit
+Interior; the appraiser
+must enter information
+for the subject property
+
+Overall Flooring Quality
+Summary does not
+populate from Unit
+Interior; the appraiser
+must enter information
+for the subject property
+
+Walls and Ceiling
+Quality Summary does
+not populate from Unit
+Interior; the appraiser
+must enter information
+for the subject property
+
+No
+
+No
+
+The Interior Quality Rating for the unit 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.
+
+Kitchen Quality Summary: A short description summarizing the quality of
+the kitchen.
+
+Note: If there are multiple kitchens in the unit for the subject or any
+comparable, explain the details in Reconciliation of Sales Comparison
+Approach (22.16.01).
+
+No
+
+Overall Bathrooms Quality Summary: A short description summarizing
+the overall quality of all bathrooms in the unit.
+
+No
+
+Overall Flooring Quality Summary: A short description summarizing the
+overall quality of all flooring in the unit.
+
+No
+
+Walls and Ceiling Quality Summary: A short description summarizing the
+overall quality of the walls and ceilings in the unit.
+
+Appendix F-1: URAR Reference Guide
+
+Page 256 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+22 Sales Comparison Approach
+
+Report
+Field ID
+
+22.09.09
+22.09.24
+
+Report Label
+
+[Other Interior
+Feature]
+22.09.08
+Interior
+Feature Other
+Description
+10.044
+populates
+from Unit
+Interior
+
+When Row
+Displays
+
+When to Include for
+each Comparable
+
+Allowable
+Answers / Format
diff --git a/chunks/txt/28972fec7a7b5b5553d966dda40f61a95fc10966f52f441889119f18e651b0c3.txt b/chunks/txt/28972fec7a7b5b5553d966dda40f61a95fc10966f52f441889119f18e651b0c3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..18f000226d6247511784ef0049c51b6b7ae9ef57
--- /dev/null
+++ b/chunks/txt/28972fec7a7b5b5553d966dda40f61a95fc10966f52f441889119f18e651b0c3.txt
@@ -0,0 +1,139 @@
+50
+
+Note: Race and the racial composition of the neighborhood are not appraisal factors.
+
+Neighborhood Characteristics
+Location Urban
+52
+ Over 75%
+Built-Up
+55
+ Rapid
+Growth
+58
+Neighborhood Boundaries 82
+
+Suburban
+53
+ 25–75%
+56
+ Stable
+59
+
+One-Unit Housing Trends
+
+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
+(yrs)
+$ (000)
+ 73
+ Low
+70
+ High 74
+71
+ Pred. 75
+72
+
+Present Land Use %
+
+One-Unit
+2-4 Unit
+Multi-Family
+Commercial
+Other
+
+76 %
+77 %
+78 %
+79 %
+81 %
+
+Neighborhood Description 83
+
+Market Conditions (including support for the above conclusions) 84
+
+Dimensions
+ 85
+Area
+Zoning Description
+Specific Zoning Classification 89
+Zoning Compliance Legal Legal Nonconforming (Grandfathered Use) No Zoning Illegal (describe) 95
+93
+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
+
+View e-5; e-6; e-7
+
+Shape
+
+87
+
+86
+
+90
+
+96
+
+94
+
+91
+
+92
+
+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/28a421507b57160d40c477acbc4bba7e27057c557d7476ebec1260e7ad485b5e.txt b/chunks/txt/28a421507b57160d40c477acbc4bba7e27057c557d7476ebec1260e7ad485b5e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..229a254fe3c42f41dec303eb6263c39dcd87fc4b
--- /dev/null
+++ b/chunks/txt/28a421507b57160d40c477acbc4bba7e27057c557d7476ebec1260e7ad485b5e.txt
@@ -0,0 +1,24 @@
+2. CLOSING_ADJUSTMENT_ITEMS .................................................................................................................................... 38
+E. Deposit and General Closing Data ..................................................................................................................................... 45
+1. Deposit .......................................................................................................................................................................... 45
+2. General Closing Data ..................................................................................................................................................... 46
+F. Prepaid Item Data ............................................................................................................................................................. 49
+G. Proration Item Data ........................................................................................................................................................... 54
+H. Construction Loan Data ..................................................................................................................................................... 57
+I. Cash to Close Table Data ................................................................................................................................................... 59
+1. Introduction................................................................................................................................................................... 59
+2. Cash to Close Tables ...................................................................................................................................................... 60
+J. Projected Payments Table Data ........................................................................................................................................ 70
+1. Estimated Taxes, Insurance & Assessments .................................................................................................................. 70
+2. Projected Payments Line Items ..................................................................................................................................... 72
+K. Miscellaneous and Section Heading Data ......................................................................................................................... 77
+1. Miscellaneous Data ....................................................................................................................................................... 77
+2. Section and Subsection Headings and Totals ................................................................................................................ 79
+L. Escrow Payments at Closing Data ..................................................................................................................................... 85
+1. Escrow Account vs. Collecting Escrow Funds at Closing ................................................................................................ 85
+Fee Item Data ........................................................................................................................................................... 90
+1. GSE Requirements for Fee Information ........................................................................................................................ 90
+2. Fee Line Items ............................................................................................................................................................... 91
+N. Loan Calculation and Foreclosure Data ........................................................................................................................... 102
+1. Loan Calculation Data .................................................................................................................................................. 102
+2.
diff --git a/chunks/txt/28a8cde5133c1b294a384539952cbe87d1272c3a5b4d8468a043a2a5abc1af3d.txt b/chunks/txt/28a8cde5133c1b294a384539952cbe87d1272c3a5b4d8468a043a2a5abc1af3d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2f7edefc72347f050224104d35e7a6e62cd70bdf
--- /dev/null
+++ b/chunks/txt/28a8cde5133c1b294a384539952cbe87d1272c3a5b4d8468a043a2a5abc1af3d.txt
@@ -0,0 +1,11 @@
+On February 29, 2024, [FHFA announced](/news/news-release/fhfa-announces-key-updates-for-implementation-of-enterprise-credit-score-requirements) several updates related to the implementation of the updated Enterprise credit score requirements. Following extensive stakeholder input, FHFA amended the proposed implementation timeline to align the implementation of the bi-merge credit reporting requirement with the transition from the Classic FICO model. To better support market participants as they engage in this transition, FHFA further announced that the Enterprises would accelerate the publication of historical data specific to the VantageScore 4.0 model to early in the third quarter of 2024, while continuing to work towards publication of similar data to support the transition to the FICO 10T model.
+
+On July 11, 2024, [FHFA announced](/news/news-release/fhfa-announces-release-of-historical-vantagescore-4.0-credit-scores-by-the-enterprises) that the Enterprises released historical credit scores associated with the VantageScore 4.0 model on tens of millions of loans acquired beginning in April 2013, the earliest point at which trended consumer credit data is reliably available across the three nationwide consumer reporting agencies. This release will provide market participants the ability to better analyze and understand the VantageScore 4.0 model.
+
+## Resources
+
+---
+
+**Public Engagement Process for Implementation of Credit Score Requirements**
+
+News Release: [FHFA Announces Release of Historical Credit Scores by the Enterprises](/news/news-release/fhfa-announces-release-of-historical-vantagescore-4.0-credit-scores-by-the-enterprises) (7/11/2024)
diff --git a/chunks/txt/28aed813ffc1e0a9f56337e0741ef406ff9eff182045e4bde36985e4a6487514.txt b/chunks/txt/28aed813ffc1e0a9f56337e0741ef406ff9eff182045e4bde36985e4a6487514.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9e06275fc2ad0baf0545c4bf0652ead216527d00
--- /dev/null
+++ b/chunks/txt/28aed813ffc1e0a9f56337e0741ef406ff9eff182045e4bde36985e4a6487514.txt
@@ -0,0 +1,51 @@
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 17 of 76
+
+Section III. Using the MISMO v3.0 Logical Data Dictionary
+
+8. URN
+
+See Section VI. V3.0 Reference Model Features Not Used in the ULDDS.
+
+9. Context
+
+The “Context” column provides two useful pieces of information: 1) how many times
+the data point is used, and 2) where the data point is used in the V3.0 Reference
+Model. The number of times the data point is used is indicated first as a “Count,” the
+number of containers within the V3.0 Reference Model that include this data point.
+The Count is followed by an alphabetical list of the containers holding the data point,
+prefaced by, “Used in: CONTAINER_NAME” and followed by “as: DataPointName.”
+When a data point is used in more than one container, it is important to identify it in
+terms of its parent container or XPath; otherwise the meaning of the data point will not
+be clear.
+
+Example III-10. MISMO LDD Data Point Context.
+
+Data Point: AdjustmentRuleType
+Definition: Specifies whether the occurrence of the adjustment is the first
+
+change or a subsequent change.
+
+Enumerations:
+ First
+ Subsequent
+
+Enumeration URN Suffixes:
+
+ urn:org:MISMO:residential:2009:LDD:AdjustmentRuleType:First
+ urn:org:MISMO:residential:2009:LDD:AdjustmentRuleType:Subsequent
+App Info: Originally First Adjustment Rule Indicator; changed to enumeration in
+
+Version 3
+
+Type: AdjustmentRuleTypeEnumerated
+Data Point URN Suffix:
+
+urn:org:MISMO:residential:2009:LDD:AdjustmentRuleType
+
+Context:
+
+Count=4
diff --git a/chunks/txt/28c0ad6a6ba1c6e0aebaca2f587bf87f2bf9ef7483e1bb33d9ac454d06256d18.txt b/chunks/txt/28c0ad6a6ba1c6e0aebaca2f587bf87f2bf9ef7483e1bb33d9ac454d06256d18.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9a7f523e4241c41444d0fee5267b78b291e4a914
--- /dev/null
+++ b/chunks/txt/28c0ad6a6ba1c6e0aebaca2f587bf87f2bf9ef7483e1bb33d9ac454d06256d18.txt
@@ -0,0 +1,84 @@
+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 2024
+
+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.
+
+Search Result Metrics
+
+Active Listings
+
+Median Days on Market
+Lowest List Price
+Median List Price
+Highest List Price
+
+Pending Sales
+
+12
+43
+$725,000
+$850,000
+$950,000
+3
+
+Sales in Past 24 Months
+
+Lowest Sale Price
+Median Sale Price
+Highest Sale Price
diff --git a/chunks/txt/28ca4b3ad96aabcbe32628b76c9efd99547337503da1a56a9f5080f3ecf3bf8a.txt b/chunks/txt/28ca4b3ad96aabcbe32628b76c9efd99547337503da1a56a9f5080f3ecf3bf8a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b07f1b036d7bf4f4a6f4686de2e884b8d0fc5315
--- /dev/null
+++ b/chunks/txt/28ca4b3ad96aabcbe32628b76c9efd99547337503da1a56a9f5080f3ecf3bf8a.txt
@@ -0,0 +1,141 @@
+9.014
+
+IntegratedDisclosureCashToCloseItemFinalAmount
+
+0.00
+
+-29.00
+
+9.002
+
+IntegratedDisclosureCashToCloseItemType
+
+ClosingCostsPaidBeforeClosing
+
+9.034
+
+IntegratedDisclosureCashToCloseItemAmountChangedIndicator
+
+9.003
+
+IntegratedDisclosureCashToCloseItemEstimatedAmount
+
+9.014
+
+IntegratedDisclosureCashToCloseItemFinalAmount
+
+false
+
+0.00
+
+0.00
+
+9.002
+
+IntegratedDisclosureCashToCloseItemType
+
+ClosingCostsFinanced
+
+9.034
+
+IntegratedDisclosureCashToCloseItemAmountChangedIndicator
+
+9.003
+
+IntegratedDisclosureCashToCloseItemEstimatedAmount
+
+9.014
+
+IntegratedDisclosureCashToCloseItemFinalAmount
+
+false
+
+18000.00
+
+18000.00
+
+9.002
+
+IntegratedDisclosureCashToCloseItemType
+
+DownPayment
+
+9.034
+
+IntegratedDisclosureCashToCloseItemAmountChangedIndicator
+
+false
+
+9.003
+
+IntegratedDisclosureCashToCloseItemEstimatedAmount
+
+9.014
+
+IntegratedDisclosureCashToCloseItemFinalAmount
+
+9.002
+
+IntegratedDisclosureCashToCloseItemType
+
+9.034
+
+IntegratedDisclosureCashToCloseItemAmountChangedIndicator
+
+9.003
+
+IntegratedDisclosureCashToCloseItemEstimatedAmount
+
+9.014
+
+IntegratedDisclosureCashToCloseItemFinalAmount
+
+-10000.00
+
+-10000.00
+
+Deposit
+
+false
+
+0.00
+
+0.00
+
+UCD v2.0 Implementation Guide
+
+- 62 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Table 35. UCD v2.0 Spec Excerpt - Cash to Close Item Data- Purchase Data Requirements.
+
+UCD
+UID
+
+MISMO v3.3.0 Data Point
+
+Delivered Value
+
+Implementation
+Notes
+
+9.002
+
+IntegratedDisclosureCashToCloseItemType
+
+FundsForBorrower
+
+9.034
+
+IntegratedDisclosureCashToCloseItemAmountChangedIndicator
+
+true
+
+9.036
+
+IntegratedDisclosureCashToCloseItemChangeDescription
diff --git a/chunks/txt/28d3f07504fc90b04e9958166cbb43aae2b560e5d8719bfd67babe34b1be8240.txt b/chunks/txt/28d3f07504fc90b04e9958166cbb43aae2b560e5d8719bfd67babe34b1be8240.txt
new file mode 100644
index 0000000000000000000000000000000000000000..081968a74a67b40d3a00377d6a8cc5f21b6df9d5
--- /dev/null
+++ b/chunks/txt/28d3f07504fc90b04e9958166cbb43aae2b560e5d8719bfd67babe34b1be8240.txt
@@ -0,0 +1,79 @@
+• Display " Manufactured Home Certification -" in bold font, followed by caption if provided
+
+Valuation Completion
+
+• Other images provided must be delivered using ImageCategoryType (UID: 1400.0944, FID: 07.001.1) = “ValuationCompletionExhibit”.
+• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0943, FID: 07.001.2) display above image in bold font.
+
+08 Assignment Information
+
+The Assignment Information section provides information about the entities involved in the completion report and work completed by the appraiser and
+other parties. This section provides space for additional commentary and upload exhibits.
+
+Page 31
+
+The Assignment Information always displays.
+
+Assignment Information
+
+The Assignment Information subsection always displays and always starts on a new page.
+
+Page 32
+
+Borrowers may be individuals or legal entities.
+
+Report
+Field ID
+
+Report Label
+
+Unique ID MISMO Data Point Name
+
+Display Rules
+
+Completion Report – Assignment: General Information
+
+Borrower Name
+
+1000.0149 PartyRoleType
+
+1000.0147
+
+FirstName
+
+1000.0178
+
+MiddleName
+
+When borrower is not provided, do not display report label. Borrowers
+may be individuals or legal entities.
+
+Display when PartyRoleType = “Borrower” and is an individual
+
+Display when the borrower is an individual
+
+Display when provided when the borrower is an individual
+
+08.001
+
+Borrower Name
+
+1000.0148
+
+LastName
+
+Display when the borrower is an individual
+
+1000.0179
+
+SuffixName
+
+1000.0151 PartyRoleType
+
+1000.0150
+
+FullName
+
+Display when provided when the borrower is an individual
+
+Display when PartyRoleType = “Borrower” and is a legal entity
diff --git a/chunks/txt/28d5b62274576d628c2c3e8df65c36e55116c9fea0d8d3805d3437277f9825d7.txt b/chunks/txt/28d5b62274576d628c2c3e8df65c36e55116c9fea0d8d3805d3437277f9825d7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8df1a3a19d58ca8c21993f2b326fb8c2b876ae3a
--- /dev/null
+++ b/chunks/txt/28d5b62274576d628c2c3e8df65c36e55116c9fea0d8d3805d3437277f9825d7.txt
@@ -0,0 +1,64 @@
+2024-056
+
+Clarified ‘$’ sign is only displayed in TB-SCA_sub-H1-ADJ when
+there is a dollar amount
+
+2023-001 Removed “Under Review” from Market section
+
+12/12/2023
+
+1.2
+
+2023-031
+
+Removed “Subject Conforms to Surrounding Area,” “Reason,” and
+“Description” from Market section
+Changed report label “Market Boundary” to “Market Area
+Boundary”
+
+2023-061 Genericize description of date in footer
+
+Formatting changes
+Revisions to content
+
+6/27/2023
+
+1.1
+
+• Corrected Report Title font from Bold to Regular
+• Added a subsection for “Font”
+• Modified alignment in Cert 6 for Completion Report
+
+3/29/2023
+
+1.0
+
+Initial publication
+
+Appendix E: Report Style Guide
+
+Page 2 of 90
+
+VERSION 1.3
+
+Introduction
+
+The Report Style Guide describes the design and layout of the Uniform Residential Appraisal Report
+(URAR), Restricted Appraisal Update Report (“Appraisal Update”), and Completion Report. It includes
+specifications for the sizes and positioning of all elements that could appear in any of these reports,
+regardless of conditionality.
+
+Part 1 describes in detail the basic page layout used throughout, along with the headers, footers, main
+headings, and subheadings. This is followed by a description of each text element that can appear in the
+reports and specifications for each table element.
+
+• Appendix E-1: Report Style Guide Supplement – URAR with Codes shows a marked-up report
+
+with the codes indicated.
+
+Part 2 outlines each URAR report section in detail and notes any exceptions to the elements described in
+Part 1 of the Report Style Guide.
+
+Finally, Parts 3 and 4 are set aside for the Appraisal Update and the Completion Report. While these two
+reports follow the same basic page layout and elements of the URAR, they are separate from it, and are
+described here in detail.
diff --git a/chunks/txt/28e163c0b25b3df04ef19400e16dfb537346c548592ebb5a304c76198785b810.txt b/chunks/txt/28e163c0b25b3df04ef19400e16dfb537346c548592ebb5a304c76198785b810.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0221c758e112fd9498ebcce62aa413d9eb1597b3
--- /dev/null
+++ b/chunks/txt/28e163c0b25b3df04ef19400e16dfb537346c548592ebb5a304c76198785b810.txt
@@ -0,0 +1,5 @@
+Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP
+
+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/321&order=field_release_date&sort=asc) Report Attachment April 17, 2024 [2023 Housing Mission Report: Affordable Housing Activities of Fannie Mae, Freddie Mac, and the Federal Home Loan Banks](/reports/mission-report/2023) [Read Report](/AboutUs/Reports/ReportDocuments/FHFA-2023-Housing-Mission-Report.pdf) April 28, 2023 [2022 Housing Mission Report: Affordable Housing Activities of Fannie Mae, Freddie Mac, and the Federal Home Loan Banks](/reports/mission-report/2022) [Read Report](/AboutUs/Reports/ReportDocuments/FHFA-2022-Mission-Report.pdf) June 06, 2022 [2021 Mission Report: Affordable Housing Activities of the Regulated Entities](/reports/mission-report/2021) [Read Report](/document/fhfa-2021-mission-report-affordable-housing-activities-of-the-regulated-entities)
diff --git a/chunks/txt/28e17b52b37ab3a5718cabf1a7fff95d32bce183813ac688218382bbc7b1bccf.txt b/chunks/txt/28e17b52b37ab3a5718cabf1a7fff95d32bce183813ac688218382bbc7b1bccf.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c228952ae64a18e822dea977cbe80306ee63c1f7
--- /dev/null
+++ b/chunks/txt/28e17b52b37ab3a5718cabf1a7fff95d32bce183813ac688218382bbc7b1bccf.txt
@@ -0,0 +1,48 @@
+•
+Lenders must use Condo Project Manager™ (CPM™) for all condo projects requiring the Full Review Process.
+• The CPM Project ID (6 digits) must be provided at delivery for projects using CPM, including those with Fannie
+
+Mae Approval.
+
+Starting October 30, 2023 for Application Received Dates on or after July 1, 2023, the following CPM edits in Loan Delivery
+will be fatal:
+
+•
+-
+-
+-
+-
+
+•
+
+Edits that require delivery of the CPM Project ID for project types R, S, T, and 2:
+Type-R Condo: Full Review (with CPM) – New Condo Project
+Type-S Condo: Full Review (with CPM) – Established Condo Project
+Type-T Condo: Fannie Mae approved condo or PUD project, including those approved through PERS.
+Type-2 Condo: Fannie Mae approved co-op project, including those approved through PERS.
+
+Edits that validate the CPM Project ID provided in Loan Delivery matches a valid Project ID in CPM.
+
+Note: Edits validating the condo project is not Unavailable in CPM will remain as warning at this time.
+For a comprehensive list of edit updates, refer to the LD Edit changes in the Loan Delivery Business Rules
+
+Oct 30, 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:
+
+Nov 1, 2023
+
+Value Acceptance +
+Property Data
+
+• New fatal edit related to Value Acceptance (Nov 1, 2023).
+• Edits related to Closing Data, Loan Program, and CPM are changing from Warning to Fatal.
+
+Selling Guide Announcement SEL-2023-09: Selling Guide Updates and DU V. 11.1 Release I Nov. 18, 2023
+ release notes clarified requirements for loans eligible for value acceptance + property data. Lenders must receive the
+Desktop Underwriter® (DU®) message stating that Fannie Mae has received the property data collection (DU message ID
+3713) on the last DU submission. A new delivery edit D323 will fire in Loan Delivery and EarlyCheck™ if a loan is delivered
+with SFC 774 and the associated loan casefile did not receive DU message ID 3713 on the last DU submission. This edit will
diff --git a/chunks/txt/28e69f9855251901479b8e0fc765630030892e9a01f067ed1e219035de573148.txt b/chunks/txt/28e69f9855251901479b8e0fc765630030892e9a01f067ed1e219035de573148.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9231394f57bde90e01dc32126217b37425fdfce5
--- /dev/null
+++ b/chunks/txt/28e69f9855251901479b8e0fc765630030892e9a01f067ed1e219035de573148.txt
@@ -0,0 +1,48 @@
+dataPointName
+
+The XML element name of the associated primary data element.
+
+relatedFieldName
+
+reportPath
+
+uniqueId
+
+The name of the appraisal report field that is related to a given rule. Contains
+0, 1, or more related element names and their values to assist the reader in
+fully understanding the finding.
+
+The xpath or an abbreviated version of the xpath.
+
+The unique UAD 3.6 data specification number assigned to each instance of a
+MISMO data point.
+
+© 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.
+
+Sample Fannie Mae SSR .JSON file output
+
+© 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.
+
+Sample Freddie Mac SSR .JSON file output
+
+© 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.
+
+Appendix
+A. Related Resource Guides / Documents
+B. Sample Fannie Mae URAR SSR PDF
+C. Sample Freddie Mac URAR SSR PDF
+D. Submission Summary Report List of Data Elements
+
+© 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/28f3d6f6166d6f003034ed5f1d8060fdaeed24ce93f76c0215e5f823f0c10ce5.txt b/chunks/txt/28f3d6f6166d6f003034ed5f1d8060fdaeed24ce93f76c0215e5f823f0c10ce5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c708d539a947caea10f359a7c1f8acefd45e158f
--- /dev/null
+++ b/chunks/txt/28f3d6f6166d6f003034ed5f1d8060fdaeed24ce93f76c0215e5f823f0c10ce5.txt
@@ -0,0 +1,188 @@
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+Form FNM 1004 FRE 70
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 54 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
+
+271
+
+2
+
+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.
+
+272
+
+2
+
+e-20
+
+SALES
+COMPARISON
+APPROACH
+
+Basement & Finished
+(line 1)
+
+(Basement Exit Type)
+
+GSE Basement Exit
+Type
+
+The type of exit for a basement.
+Describes how the basement can be
+accessed.
+
+273
+
+2
+
+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.
+
+274
+
+2
+
+e-22
+
+SALES
+COMPARISON
+APPROACH
+
+Rooms Below Grade
+(line 2)
+
+(Below Grade Bedroom
+Count)
+
+GSE Below Grade
+Bedroom Room
+Count
+
+The number of bedrooms below
+grade.
+
+275
+
+2
+
+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.
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='0']/C
+OMPARISON_DETAIL_EXTENSION/COMP
+ARISON_DETAIL_EXTENSION_SECTION[
+@ExtensionSectionOrganizationName='UNIFO
+RM APPRAISAL
+DATASET']/COMPARISON_DETAIL_EXTE
+NSION_SECTION_DATA/COMPARISON_D
+ETAIL/@GSEBelowGradeFinishSquareFeetNu
+mber
diff --git a/chunks/txt/28fde5d575703ca6f231b111f6c599f126f75d446a0fdc850626cc9c3ae940cc.txt b/chunks/txt/28fde5d575703ca6f231b111f6c599f126f75d446a0fdc850626cc9c3ae940cc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ceee275e256d4e4c86a90a494034f93d1a81031e
--- /dev/null
+++ b/chunks/txt/28fde5d575703ca6f231b111f6c599f126f75d446a0fdc850626cc9c3ae940cc.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/reports/stress-tests-report"
+date_accessed: "2026-01-27T17:48:02.301Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/290e6d40b416a2fab526abe7d60e50a67326549196bd17a8c535c192d887ec18.txt b/chunks/txt/290e6d40b416a2fab526abe7d60e50a67326549196bd17a8c535c192d887ec18.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f78ea20d8f5e14f9321c9364a92bfcf29d4bf542
--- /dev/null
+++ b/chunks/txt/290e6d40b416a2fab526abe7d60e50a67326549196bd17a8c535c192d887ec18.txt
@@ -0,0 +1,76 @@
+Page 31 of 33
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+09 Certifications and Intended Use / User
+
+Supervisory Appraiser Certifications
+
+The Supervisory Appraiser Certifications subsection displays when there is a Supervisory Appraiser, as displayed
+in the Assignment Information section (08.028-08.042). The predefined supervisory appraiser certifications
+always display, and additional supervisory appraiser certifications may be added when relevant.
+
+Additional Appraiser Certifications
+
+Report
+Field ID
+
+Not on
+Report
+
+Report Label
+
+When to Include
+
+This is an
+appraiser input
+that does not
+display
+
+Required when there
+is a Supervisory
+Appraiser
+
+Allowable
+Answers / Format
+
+Yes | No
+
+Definition / Additional Guidance
+
+Additional Supervisory Appraiser Certifications
+Indicates whether there are additional appraiser certifications.
+
+09.024 N/A
+
+Displays when
+Additional Supervisory
+Appraiser
+Certifications is Yes
+
+Free-form
+
+Additional Supervisory Appraiser Certification Text
+Additional certifications that are required, such as designations.
+
+Note: Additional supervisory appraiser certifications cannot be contrary to, and
+should not repeat, the predefined supervisory appraiser certification text.
+
+Appendix F-3: Completion Report Reference Guide
+
+Page 32 of 33
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+09 Certifications and Intended Use / User
+
+Signature
+
+The Signature subsection always displays and repeats for each person (Appraiser and / or Supervisory Appraiser)
+who is signing the report. Only Appraisers and Supervisory Appraisers can sign the report.
+
+Most of the information in this subsection redisplays from Assignment Information.
diff --git a/chunks/txt/29242d5dee16b1790db2836bf4af664951431718388e4174bc763ac5f0d0f3d8.txt b/chunks/txt/29242d5dee16b1790db2836bf4af664951431718388e4174bc763ac5f0d0f3d8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d593fcf8d641a1e9936f32b8096dd9282d751313
--- /dev/null
+++ b/chunks/txt/29242d5dee16b1790db2836bf4af664951431718388e4174bc763ac5f0d0f3d8.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/policy/mortgage-servicing"
+date_accessed: "2026-01-27T17:54:20.677Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/2925fe16cd0a1449accbb4e3c52412a514aba7ef8a2f58a34e618de3e596a03c.txt b/chunks/txt/2925fe16cd0a1449accbb4e3c52412a514aba7ef8a2f58a34e618de3e596a03c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bb947dc563e310db1e769bd657b8d2d3d91309f7
--- /dev/null
+++ b/chunks/txt/2925fe16cd0a1449accbb4e3c52412a514aba7ef8a2f58a34e618de3e596a03c.txt
@@ -0,0 +1,72 @@
+/
+
+>
+H
+P
+G
+<
+9
+1
+0
+.
+0
+1
+Y
+J
+5
+1
+N
+E
+
+Federal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices
+
+41201
+
+[FR Doc. 2010–17119 Filed 7–14–10; 8:45 am]
+
+BILLING CODE 8070–01–C
+
+FEDERAL RESERVE SYSTEM
+
+Formations of, Acquisitions by, and
+Mergers of Bank Holding Companies
+
+The companies listed in this notice
+have applied to the Board for approval,
+pursuant to the Bank Holding Company
+Act of 1956 (12 U.S.C. 1841 et seq.)
+(BHC Act), Regulation Y (12 CFR Part
+225), and all other applicable statutes
+and regulations to become a bank
+holding company and/or to acquire the
+assets or the ownership of, control of, or
+the power to vote shares of a bank or
+bank holding company and all of the
+banks and nonbanking companies
+owned by the bank holding company,
+including the companies listed below.
+
+The applications listed below, as well
+
+as other related filings required by the
+Board, are available for immediate
+inspection at the Federal Reserve Bank
+indicated. The applications also will be
+available for inspection at the offices of
+the Board of Governors. Interested
+persons may express their views in
+writing on the standards enumerated in
+the BHC Act (12 U.S.C. 1842(c)). If the
+proposal also involves the acquisition of
+a nonbanking company, the review also
+
+includes whether the acquisition of the
+nonbanking company complies with the
+standards in section 4 of the BHC Act
+(12 U.S.C. 1843). Unless otherwise
+noted, nonbanking activities will be
+conducted throughout the United States.
+Additional information on all bank
+holding companies may be obtained
+from the National Information Center
+website at www.ffiec.gov/nic/.
diff --git a/chunks/txt/2932ba453aeda6b7321acef2b3a3ce91edd7e05f8b0496a6429742a0a36c703c.txt b/chunks/txt/2932ba453aeda6b7321acef2b3a3ce91edd7e05f8b0496a6429742a0a36c703c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d2ea27c519620df4899f9664cfc24cc23593fa67
--- /dev/null
+++ b/chunks/txt/2932ba453aeda6b7321acef2b3a3ce91edd7e05f8b0496a6429742a0a36c703c.txt
@@ -0,0 +1,129 @@
+Page 79
+
+Assignment Reason
+
+Assignment Information: General Information – Assignment Reason
+
+Report
+Field ID
+
+Report Label
+
+Unique ID
+
+MISMO Data Point Name
+
+Display Rules
+
+2.000
+
+Assignment Reason
+
+1000.0034
+
+ValuationAssignmentType
+
+Always displays
+
+Borrower, Seller, and Current Owner
+
+Borrowers, sellers, and current owners may be individuals or legal entities.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 80
+
+Report
+Field ID
+
+Report Label
+
+Unique ID
+
+MISMO Data Point Name
+
+Display Rules
+
+Assignment Information: General Information – Borrower, Seller, and Current Owner
+
+Borrower Name
+
+When borrower is not provided, do not display report label.
+
+1000.0103
+
+PartyRoleType
+
+Display when PartyRoleType = “Borrower” and is an individual
+
+1000.0101
+
+FirstName
+
+Display when the borrower is an individual
+
+1000.0170
+
+MiddleName
+
+Display when provided when the borrower is an individual
+
+2.001
+
+Borrower Name
+
+1000.0102
+
+LastName
+
+Display when the borrower is an individual
+
+1000.0171
+
+SuffixName
+
+Display when provided when the borrower is an individual
+
+1000.0105
+
+PartyRoleType
+
+Display when PartyRoleType = “Borrower” and is a legal entity
+
+1000.0104
+
+FullName
+
+Display when the borrower is a legal entity
+
+Seller Name
+
+When seller is not provided, do not display report label.
+
+1000.0021
+
+PartyRoleType
+
+Display when PartyRoleType = “PropertySeller” and is an individual
+
+1000.0018
+
+FirstName
+
+Display when the seller is an individual
+
+1000.0172
+
+MiddleName
+
+Display when provided when the seller is an individual
+
+2.002
+
+Seller Name
+
+1000.0019
+
+LastName
+
+Display when the seller is an individual
diff --git a/chunks/txt/2935e95574ac871857cb2424455d1d43a1aea7a6537e20821cb77d2a455c9b1a.txt b/chunks/txt/2935e95574ac871857cb2424455d1d43a1aea7a6537e20821cb77d2a455c9b1a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6daed02f2f28b1e22913c88ba8e16dea08fc265e
--- /dev/null
+++ b/chunks/txt/2935e95574ac871857cb2424455d1d43a1aea7a6537e20821cb77d2a455c9b1a.txt
@@ -0,0 +1,193 @@
+379514
+
+MLS
+
+353852
+
+MLS
+
+389466
+
+MLS
+
+AssessorRecord
+
+MLS
+
+PhysicalMeasurement
+
+134710
+
+MLS
+
+133832
+
+MLS
+
+134531
+
+MLS
+
+XYZ Housing Data
+
+14568 Generic Rd
+
+Out There
+
+Fabricated
+
+56789
+
+VA
+
+400
+
+Detached
+
+Carport
+
+2
+
+\\Images\SF3_Carport.png
+
+image/png
+
+Driveway
+
+Asphalt
+
+4
+
+false
+
+\\Images\SF3_Garage.png
+
+image/png
+
+528
+
+Attached
+
+Garage
+
+2
+
+\\Images\SF3_Garage.png
+
+image/png
+
+None
+
+true
+
+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.
+
+false
+
+true
+
+Neutral
+
+HERS
+
+RESNET
+
+65
+
+Home Energy Score
+
+DOE
+
+7
+
+Leased
+
+Solar
+
+None
+
+None
+
+false
+
+true
+
+false
+
+Dwelling
+
+false
+
+1979
+
+false
+
+None
+
+Carpet
+
+Updated 5-10 years ago
+
+TypicalWearAndTear
+
+Standard Grade
+
+CeramicTile
+
+Updates in the last 5-10 years
+
+TypicalWearAndTear
+
+Standard grade - partial upgraded (1st floor full baths)
+
+Hardwood
+
+Well maintained
+
+TypicalWearAndTear
+
+Standard Grade
+
+Vinyl
+
+Well maintained
+
+TypicalWearAndTear
+
+Standard Grade
+
+Carpets, Tile, Hardwood
+
+Flooring
+
+ModeratelyUpdated
+
+No damage or condition issues noted
+
+TypicalWearAndTear
+
+Standard drywall meets market expectations for this type of dwelling.
+
+Standard 8-9 Ft. Ceilings
+
+WallsAndCeiling
+
+EightFeet
+
+NineFeet
+
+Flat
+
+\\Images\SF3_WetBar.png
+
+image/png
+
+No damage or condition issues noted
+
+TypicalWearAndTear
+
+Basement has a custom brick wet bar that includes wood countertops.
+
+Other
+
+Wet bar with custom brick work has been added as a unique interior feature.
diff --git a/chunks/txt/2950e9bf6ad433b62b7c537c6374bfdabd26ebe0390594602654ed72b6c9b39c.txt b/chunks/txt/2950e9bf6ad433b62b7c537c6374bfdabd26ebe0390594602654ed72b6c9b39c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c3e6064ba9e0625eb2e41d36434f398e12b9b678
--- /dev/null
+++ b/chunks/txt/2950e9bf6ad433b62b7c537c6374bfdabd26ebe0390594602654ed72b6c9b39c.txt
@@ -0,0 +1,201 @@
+Q4
+
+C3
+
+Building 1 | Unit A
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Building 1 | Unit 1
+
+Q4
+
+C3
+
+Q4
+
+C4
+
+Building 1 | Unit 1
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Well maintained with
+minimal depreciation
+
+Well maintained with
+minimal depreciation
+
+Adequately maintained with
+moderate depreciation
+
+Well maintained with
+minimal depreciation
+
+Structure ID | Unit ID
+
+Building 1 | Unit B
+
+Building 1 | Unit B
+
+Building 1 | Unit 2
+
+Building 1 | Unit 2
+
+Quality
+
+Condition
+
+Walls and Ceiling
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C4
+
+Q4
+
+C3
+
+Well maintained with
+minimal depreciation
+
+Well maintained with
+minimal depreciation
+
+Adequately maintained with
+moderate depreciation
+
+Well maintained with
+minimal depreciation
+
+Structure ID | Unit ID
+
+Building 1 | Unit C
+
+Building 1 | Unit C
+
+Building 1 | Unit 3
+
+Building 1 | Unit 3
+
+Quality
+
+Condition
+
+Walls and Ceiling
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C4
+
+Q4
+
+C3
+
+Well maintained with
+minimal depreciation
+
+Well maintained with
+minimal depreciation
+
+Adequately maintained with
+moderate depreciation
+
+Well maintained with
+minimal depreciation
+
+Structure ID | Unit ID
+
+Building 1 | Unit D
+
+Building 1 | Unit D
+
+Building 1 | Unit 4
+
+Building 1 | Unit 4
+
+Quality
+
+Condition
+
+Walls and Ceiling
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C4
+
+Q4
+
+C3
+
+Well maintained with
+minimal depreciation
+
+Well maintained with
+minimal depreciation
+
+Adequately maintained with
+moderate depreciation
+
+Well maintained with
+minimal depreciation
+
+Overall Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Quality
+
+Condition
+
+Property Amenities
+
+Outdoor Living
+
+Vehicle Storage
+
+Type | Spaces | Detail
+
+Summary
+
+List Price
+
+Sale Price
+
+Net Adjustment Total
+
+Adjusted Price Per Unit
diff --git a/chunks/txt/2959c1dc06d496719dfaeeaa1ecf187509b9a5279782123d62191969dcb8bf2a.txt b/chunks/txt/2959c1dc06d496719dfaeeaa1ecf187509b9a5279782123d62191969dcb8bf2a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..82a028ec8dd2a0fd9b4aa30df2e88cb5f0bfa3f2
--- /dev/null
+++ b/chunks/txt/2959c1dc06d496719dfaeeaa1ecf187509b9a5279782123d62191969dcb8bf2a.txt
@@ -0,0 +1,95 @@
+Report
+Field ID
+
+Not on
+report
+27.003
+
+27.004
+
+27.005
+
+27.006
+
+Revision History – Reconsideration of Value
+
+Report Label
+
+Unique ID MISMO Data Point Name
+
+Reconsideration of Value
+
+4000.0004
+
+ReconsiderationOfValueIndicator
+
+Type
+
+Date
+
+Result
+Reconsideration of Value
+Commentary
+
+4000.0006
+
+ReconsiderationOfValueRequestedByType
+
+4000.0007
+
+ReconsiderationOfValueResultDate
+
+4000.0008
+
+ReconsiderationOfValueResult
+
+Always displays
+
+Always displays
+
+4000.0005
+
+ReconsiderationOfValueCommentDescription
+
+Always displays
+
+Display Rules
+When ReconsiderationOfValueIndicator (UID:
+4000.0004, FID: Not on report) = "true"…
+Does not display
+This field is required
+Always displays “Borrower-Initiated”
+
+Note: The enumeration "LenderInitiated" is a value added to the subschema only. This value is not
+
+supported by the GSEs and is only included as a potential future need by lenders.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Figure 27 - 2
+
+Page 360
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+28 Supplemental Information
+
+Page 361
+
+The Supplemental Information section provides a place for additional exhibits to be included in the appraisal report that did not specifically
+relate to any other section.
+
+The Supplemental Information Exhibits subsection displays when additional exhibits are provided.
+
+• Any supplemental images provided must be delivered using ImageCategoryType (UID: 1400.0638, FID: 28.000.1) =
+
+“SupplementalExhibit”.
+
+• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 28.000.2).
+
+
+
+Descriptive caption for exhibit.
+ SupplementalExhibit
+zip://location/ProjectInformationExhibit.jpg
+image/jpeg
diff --git a/chunks/txt/295f0bd356d7c8c23a67b74e12d7b6d4306e3bdc9eed27a7cacbf8b9d948b3c2.txt b/chunks/txt/295f0bd356d7c8c23a67b74e12d7b6d4306e3bdc9eed27a7cacbf8b9d948b3c2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2dfca96c5250ab47c360958bf381b527354ec487
--- /dev/null
+++ b/chunks/txt/295f0bd356d7c8c23a67b74e12d7b6d4306e3bdc9eed27a7cacbf8b9d948b3c2.txt
@@ -0,0 +1,13 @@
+For a more detailed description of the methodology, see the working papers listed below. Questions or comments can be sent to [FHLBmarketshocks@FHFA.gov](mailto:FHLBmarketshocks@FHFA.gov).
+
+***All scenarios posted prior to 2020 are intended for testing purposes only.***
+
+*Please note that only the quarter-end monthly scenarios are applicable for reporting risk-based-capital requirements. The off-quarter-end monthly scenarios are being provided at this time for testing and monitoring purposes, and may not be subject to the same degree of validation as the quarter-end scenarios.*
+
+**Description** **Format** Term point shocks to SOFR, OIS, Treasury, and FHLBank COF interest rate curves [[All XLSX Files]](/data/fhlb-stress-tests/market-risk-scenarios/interest-rate-shocks) Level shocks to the ATM swaption and cap volatility surfaces [[All XLSX Files]](/data/fhlb-stress-tests/market-risk-scenarios/additive-shocks) Shocks to SOFR and Treasury discounted OAS for Agency securities [[All XLSX Files]](/data/fhlb-stress-tests/market-risk-scenarios/agency-oas-shocks) PolyPaths ready file containing interest rate, implied volatility, and OAS shocks [[XLSX and CSV Files]](/data/fhlb-stress-tests/market-risk-scenarios/polypath-shocks)
+
+## Assumptions and Directions Page
+
+A number of key assumptions and application directions are required in constructing the market risk scenarios and applying the shocks to the portfolio. They are described on the [Assumptions and Directions Page](/data/market-risk-scenarios/assumption-and-directions), which will be updated as appropriate.
+
+Last Update of the [Assumptions Details and Application Directions Page](/data/market-risk-scenarios/assumption-and-directions): 5/29/2018
diff --git a/chunks/txt/2961bc69949f3ff66bc8ddc1a3e85f805dbc206a9edbf2495040abdb32a372a3.txt b/chunks/txt/2961bc69949f3ff66bc8ddc1a3e85f805dbc206a9edbf2495040abdb32a372a3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5548f85b70155daa4deaacc804b0abd82086c01a
--- /dev/null
+++ b/chunks/txt/2961bc69949f3ff66bc8ddc1a3e85f805dbc206a9edbf2495040abdb32a372a3.txt
@@ -0,0 +1,23 @@
+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 SRO-123345Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2)
+
+Uniform Residential Appraisal Report
+
+Page 19 of 20
+
+Certifications
+
+Appraiser Certifications
+
+The Appraiser certifies and agrees that:
diff --git a/chunks/txt/296967d195952a2ace878fe9cfab3db4941e453f0fccbbe8095ed340c3bb4d1a.txt b/chunks/txt/296967d195952a2ace878fe9cfab3db4941e453f0fccbbe8095ed340c3bb4d1a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d9e05aae7099038a72efdb77e05ea559a9b86597
--- /dev/null
+++ b/chunks/txt/296967d195952a2ace878fe9cfab3db4941e453f0fccbbe8095ed340c3bb4d1a.txt
@@ -0,0 +1,7 @@
+Changes made for v1.3:
+
+1. Made ADDITIONAL_IDENTIFIERS optional (added minOccurs="0" to ). (Change #2024-002)
+2. Removed MarketPropertyValueTrendType. (Change #2024-024)
+3. Removed ValuationReconciliationConditionsCommentDescription. (Change #2024-021)
+4. Removed SubjectToExtraordinaryAssumptions and SubjectToHypotheticalConditions enumerations from PropertyValuationConditionalConclusionType. (Change #2024-021)
+5. Added containers and elements for Reconsideration of Value (ROV). (Change #2024-043)
diff --git a/chunks/txt/29781da551fd6b22c38fafa3b01f5091314f77231e9e6d69760ea05833a7daf7.txt b/chunks/txt/29781da551fd6b22c38fafa3b01f5091314f77231e9e6d69760ea05833a7daf7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..73290607009d80ce718d06d9cb982213daaba9fa
--- /dev/null
+++ b/chunks/txt/29781da551fd6b22c38fafa3b01f5091314f77231e9e6d69760ea05833a7daf7.txt
@@ -0,0 +1,41 @@
+Quick Tips for Testing
+
+•
+
+•
+
+If a UCD XML file contains a Casefile ID with an AUSType of ‘DesktopUnderwriter’, the Casefile ID will be ignored and the
+UCD test environment will proceed with processing. Warning Edit 2050 “The UCD Test Environment does not match
+Casefile IDs to any DU environment. The UCD submission was processed without DU matching.” will notify users that the
+DU matched was not performed.
+You can use the UCD v2.0 Sample XML Files for testing; which are located on the UCD page.
+
+Updates for UCD v2.0 Specification (UCD v2.0)
+
+The UCD Test Environment has been updated with the UCD v2.0 Specification (UCD v2.0), including the requirements for UCD
+Critical Edits Phase 3B Postponed and Phase 4. The test environment will return “fatal” edits and feedback messages to help you
+prepare for UCD v2.0 and upcoming edit transitions
+
+•
+
+•
+
+You can use the Fannie Mae Feedback Messages to assist you for edits you may receive. They are located on the UCD
+page under the Related Links.
+To filter for the new and updated edits effective for September 29th production date, follow these steps:
+
+o Open Fannie Mae Feedback Messages
+o Select the Active UCD Messages tab in the workbook
+o Highlight the column headers and set up your filters (Ctrl + Shift +L)
+
+▪
+Fatal Severity Transition Date Column C, filter for the date when the edit will become Fatal
+▪ Edit Transition Phase Column B, to review the Phase of the Fatal Edit transition implementation
+
+© 2025 Fannie Mae
+
+Page 1 of 2
+
+▪ Severity Column D, to review the severity of each edit
+
+UCD Collection Solution Test Environment Home Page
diff --git a/chunks/txt/297f7e72c48c8998b6d3df84eb4e4bf1a6edad833d51cf8df79502268fba4576.txt b/chunks/txt/297f7e72c48c8998b6d3df84eb4e4bf1a6edad833d51cf8df79502268fba4576.txt
new file mode 100644
index 0000000000000000000000000000000000000000..76f78c79a7a235c35e5aa30152ad17a921aee92f
--- /dev/null
+++ b/chunks/txt/297f7e72c48c8998b6d3df84eb4e4bf1a6edad833d51cf8df79502268fba4576.txt
@@ -0,0 +1,86 @@
+•
+
+•
+
+04.004 Affects
+
+Soundness or
+Structural
+Integrity
+
+Required for each new
+observed item
+
+Yes | No
+
+Indicates whether the defect, damage, or deficiency affects the soundness and
+/ or structural integrity of the improvement.
+
+04.005 Recommended
+Action
+
+Required for each new
+observed item
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+The recommended action for the defect, damage, or deficiency.
+•
+•
+•
+•
+
+Completion
+Inspection
+Repair (includes replacement)
+None (does not require repair, replacement, completion, or inspection)
+
+04.006
+
+Inspection Date Required for each new
+
+mm/dd/yyyy
+
+The date of the inspection.
+
+observed item
+
+Appendix F-3: Completion Report Reference Guide
+
+Page 16 of 33
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+05 Completion Status
+
+05 Completion Status
+
+The Completion Status section displays when Original Market Value Condition (02.003) includes Subject to
+Completion Per Plans. Depending on the answers provided, the contents of this section vary.
+•
+
+Is construction complete?
+
+o Yes (Completion Status Example 1)
+o No (Completion Status Example 2)
+
+• Was construction completed in a manner consistent with the original plans and specifications?
+If yes, no further information is required, as illustrated in Completion Status Example 1.
+If no, provide a description of each feature that is not consistent with the original plans and
+specifications, as illustrated in Completion Status Example 3.
+
+o
+o
+
+Completion Status Examples
+
+Completion Status Example 1
+
+In this example, construction is complete and in a manner consistent with the original plans and specifications.
diff --git a/chunks/txt/29bb47bd2da17ba5e3f51d17a149036fb88a6fbd1326d5f11a74a98ffc720563.txt b/chunks/txt/29bb47bd2da17ba5e3f51d17a149036fb88a6fbd1326d5f11a74a98ffc720563.txt
new file mode 100644
index 0000000000000000000000000000000000000000..02b20b8e25dedeefcfd6d3105038a1effd430d34
--- /dev/null
+++ b/chunks/txt/29bb47bd2da17ba5e3f51d17a149036fb88a6fbd1326d5f11a74a98ffc720563.txt
@@ -0,0 +1,23 @@
+Statement of Assumptions and Limiting Conditions
+
+The appraiser assumes that the title is good and marketable unless he or she becomes aware of information to the contrary.
+
+If the appraiser has included a sketch or floor plan in this appraisal report, it shows the approximate dimensions and is included only to assist the
+reader in visualizing the property and understanding the appraiser’s determination of its size.
+
+The appraiser has relied on data provided by third parties in this appraisal report. Such data may include, but is not limited to, floor plans,
+flood maps, multiple listing real estate services, tax assessment records, public land records, satellite imagery, virtual street views, property
+data services, surveys, engineering reports, and property data aggregations. After examination of the data and data sources, the appraiser has
+used only the data he or she considers reliable. The appraiser assumes there are no material omissions in the data relied upon and makes no
+guarantees, express or implied, regarding their accuracy. If the source date is prior to the effective date of the appraisal, the appraiser assumes
+the property characteristics and supporting information have not changed in the interim.
+
+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
diff --git a/chunks/txt/29d03c0082647d7bc34d16133f6eb3d343efacebae809afadb6bad124644d722.txt b/chunks/txt/29d03c0082647d7bc34d16133f6eb3d343efacebae809afadb6bad124644d722.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ba9ec76cae1dcd7d50a2efbdfab2ab6f9dceb661
--- /dev/null
+++ b/chunks/txt/29d03c0082647d7bc34d16133f6eb3d343efacebae809afadb6bad124644d722.txt
@@ -0,0 +1,273 @@
+This field may not exist in all forms vendor
+software.
+
+T
+
+T
+
+T
+
+CR
+
+CR
+
+CR
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+197
+
+198
+
+199
+
+200
+
+201
+
+202
+
+203
+
+204
+
+205
+
+206
+
+207
+
+208
+
+209
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+Form FNM 1075 FRE 466
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 142 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
+
+Implementation Notes
+
+Conditionality Description
+
+Data Field
+Conditionality
+
+210
+
+211
+
+212
+
+213
+
+214
+
+215
+
+216
+
+217
+
+218
+
+219
+
+220
+
+221
+
+222
+
+223
+
+224
+
+225
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+8
+
+9
+
+10
+
+11
+
+12
+
+13
+
+14
+
+15
+
+16
+
+17
+
+18
+
+19
+
+20
+
+21
+
+22
+
+23
+
+PROJECT
+INFORMATION
+
+Are any common elements leased to or
+by the Homeowners' Association?
+No
+
+Project Common
+Elements Leased
+Indicator
+
+Indicates that project common elements
+are leased by the project management
+(e.g., HOA).
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommonElementsLease
+dIndicator='N']
+
+PROJECT
+INFORMATION
+
+If yes, describe the rental terms and
+options.
+
+Project Common
+Elements Lease
+Terms Description
+
+A free-form text field used to describe the
+project management leasing status of
+project common elements.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/@_CommonElementsLease
+TermsDescription
+
+PROJECT
+INFORMATION
+
+Is the project subject to ground rent?
+Yes
+
+PROJECT
+INFORMATION
+
+Is the project subject to ground rent?
+No
+
+PROJECT
+INFORMATION
+
+Is the project subject to ground rent?
+If Yes, $ per year
+
+PROJECT
+INFORMATION
+
+Is the project subject to ground rent?
+(describe terms and conditions)
diff --git a/chunks/txt/29d908d70824e7d88ea80503cc5661e2e3a977e0e1f5b4cb1647e21052d96ef2.txt b/chunks/txt/29d908d70824e7d88ea80503cc5661e2e3a977e0e1f5b4cb1647e21052d96ef2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c2f301b22b2bc07a440ff08e35185fa23647daf4
--- /dev/null
+++ b/chunks/txt/29d908d70824e7d88ea80503cc5661e2e3a977e0e1f5b4cb1647e21052d96ef2.txt
@@ -0,0 +1,36 @@
+13. MISMO v3.3.0 Value: In Appendix I excerpts, the format in which the form field entry on the Closing
+
+Disclosure excerpt must be represented in the UCD file. In many cases, the Regulation dictates a format for
+the form field entry (e.g., dollar values must include cents, or interest rate values must include decimals). In
+these cases, the format for the MISMO v3.3.0 value may differ based on XML, MISMO, or UCD
+requirements.
+
+14. Notes: In Appendix I excerpts, the “Notes” column provides guidance when the format of the MISMO
+
+v3.3.0 value differs from that of the Form Field Entry. For example: Dates must be presented on the Closing
+Disclosure in the format “MM/DD/YYYY”, but must be delivered in the XML file as “YYYY-MM-DD”. Some
+common terminology is used in the “Notes” column:
+
+a. “Represented on Form (ROF) as…:” is used in situations when:
+
+i. The data is not changed in any way other than to comply with formatting requirements (such
+
+as with dates or currency).
+
+ii. “Dynamic” boilerplate text must be added to the provided data when it is rendered on the
+
+form
+
+iii.
+
+Indicators are represented as checked boxes or “YES” and “NO” answers.
+
+b. “Only acceptable value” is used for non-enumerated data points for which the GSEs have specified valid
+
+values. Although these are string fields, only the value(s) shown are allowed.
+
+c. “Not shown – GSE-Required” is used when a data point is not displayed on the form but is required by
+
+the GSEs in support of Regulation Z, data usability, or loan identification.
+
+d. “Not shown – Relationship:” is used when a data point is not displayed on the form but is required for
diff --git a/chunks/txt/29d911a2bf0cc0849cff8979204d6cc64b9196c1150a5e35b4533c23a0aa74ed.txt b/chunks/txt/29d911a2bf0cc0849cff8979204d6cc64b9196c1150a5e35b4533c23a0aa74ed.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5014c72ef0a839af0652bc60bf9550a1f1e59c8c
--- /dev/null
+++ b/chunks/txt/29d911a2bf0cc0849cff8979204d6cc64b9196c1150a5e35b4533c23a0aa74ed.txt
@@ -0,0 +1,96 @@
+If an Alley exists, at least one of fields 1-115, 1-
+116 (values of Property Off Site Improvement
+Ownership Type) should be indicated.
+
+Site Utility Non
+Public Description
+
+Property Off Site
+Improvement
+Description
+
+Property Off Site
+Improvement Exists
+Indicator
+
+Property Off Site
+Improvement Exists
+Indicator
+
+Property Off Site
+Improvement
+Description
+
+Property Off Site
+Improvement Exists
+Indicator
+
+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.
+Indicates that the particular off-site
+improvement feature specified by
+Property Off Site Improvement Feature
+Type is present.
+Indicates that the particular off-site
+improvement feature specified by
+Property Off Site Improvement Feature
+Type is present.
+A free-form text field used to describe the
+property off-site improvement specified
+by Property Off Site Improvement
+Feature Type.
+Indicates that the particular off-site
+improvement feature specified by
+Property Off Site Improvement Feature
+Type is present.
+
+If utilities are present, at least one of fields 1-
+102, 1-103 (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 1-104 (Site Utility Non
+Public Description).
+If utilities are present, at least one of fields 1-
+102, 1-103 (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 1-104 (Site Utility Non
+Public Description).
+If field 1-103 (Site Utility Non Public Indicator)
+is indicated, this field is required. If no utilities
+are present 'None' must be populated.
+If utilities are present, at least one of fields 1-
+105, 1-106 (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 1-107 (Site Utility Non
+Public Description).
+If utilities are present, at least one of fields 1-
+105, 1-106 (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 1-107 (Site Utility Non
+Public Description).
+If field 1-106 (Site Utility Non Public
+Indicator) is indicated, this field is required. If
+no utilities are present 'None' must be
+If utilities are present, at least one of fields 1-
+108, 1-109 (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 1-110 (Site Utility Non
+Public Description).
+If utilities are present, at least one of fields 1-
+108, 1-109 (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 1-110 (Site Utility Non
+Public Description).
+If field 1-109 (Site Utility Non Public
+Indicator) is indicated, this field is required. If
+no utilities are present 'None' must be
diff --git a/chunks/txt/29f75a5bfb1dca6b02bdc7db720b363c3816938e4d2d731ef0f393649207b1fe.txt b/chunks/txt/29f75a5bfb1dca6b02bdc7db720b363c3816938e4d2d731ef0f393649207b1fe.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3dc9fce9d53937486d256b9d421d1f053d98d2c5
--- /dev/null
+++ b/chunks/txt/29f75a5bfb1dca6b02bdc7db720b363c3816938e4d2d731ef0f393649207b1fe.txt
@@ -0,0 +1,36 @@
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page v of 76
+
+Section V. Resources
+
+I. Introduction
+
+A. Context for the User Guide
+
+In recent years, it has become increasingly apparent that consistent and reliable data is a
+prerequisite for solid decision-making. Data standards, which articulate a common set of
+business terms and definitions that can be easily accessed and understood by all parties,
+are crucial to improving the quality and accuracy of the data exchanged between business
+partners.
+
+In recognition of this, the Federal Housing Finance Agency (FHFA) directed Freddie Mac
+and Fannie Mae (the GSEs) to develop the Uniform Mortgage Data Program (UMDP) to
+enhance the accuracy and quality of loan data delivered to each GSE. The UMDP is
+expected to create process efficiencies and risk management capabilities that will
+strengthen the housing finance system for the long term to better serve consumers.
+
+A key component of the UMDP is the Uniform Loan Delivery Dataset (ULDD), which
+identifies the data points and the data delivery format required in connection with the
+delivery of loans to each GSE. The ULDD leverages the MISMO Version 3.0 Reference
+Model (the V3.0 Reference Model)—the XML schema representing MISMO’s data
+standard for single family properties.
+
+In connection with implementation of the ULDD, the GSEs jointly developed the Uniform
+Loan Delivery Specification (the ULDDS), defining and documenting the common GSE-
+approach to the ULDD and providing the technical framework for developing the loan
+delivery file that will be required for all loans delivered to either GSE. The GSEs also
+published other supporting documentation to assist in the development of systems that
+lenders will need in order to implement the ULDD.
diff --git a/chunks/txt/2a01037001cea88f1e45aae55bca26aa314f1e99d421b179cba1516920bc1728.txt b/chunks/txt/2a01037001cea88f1e45aae55bca26aa314f1e99d421b179cba1516920bc1728.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c641aead75dd85d3248ed05ebb91666c7af8e034
--- /dev/null
+++ b/chunks/txt/2a01037001cea88f1e45aae55bca26aa314f1e99d421b179cba1516920bc1728.txt
@@ -0,0 +1,59 @@
+B5-2-03, Manufactured Housing Underwriting
+Requirements (12/10/2025)
+
+SB5-2-03, Manufactured Housing Underwriting
+Requirements (12/10/2025)
+
+B5-2-04, Manufactured Housing Pricing, Mortgage
+Insurance, and Loan Delivery Requirements
+(12/10/2025)
+
+SB5-2-04, Manufactured Housing Pricing, Mortgage
+Insurance, and Loan Delivery Requirements
+(12/10/2025)
+
+B5-2-05, Manufactured Housing Legal
+Considerations (12/10/2025)
+
+SB5-2-05, Manufactured Housing Legal
+Considerations (12/10/2025)
+
+B5-3.1-01, Conversion of Construction-to-
+Permanent Financing: Overview (06/04/2025)
+
+SB5-3.1-01, Conversion of Construction-to-Permanent
+Financing: Overview (06/04/2025)
+
+B5-3.1-02, Conversion of Construction-to-
+Permanent Financing: Single-Closing
+Transactions (11/05/2025)
+
+SB5-3.1-02, Conversion of Construction-to-Permanent
+Financing: Single-Closing Transactions (11/05/2025)
+
+B5-3.2-01, HomeStyle Renovation Mortgages
+(12/102025)
+
+SB5-3.2-01, HomeStyle Renovation Mortgages
+(12/10/2025)
+
+B5-3.2-05, HomeStyle Renovation Mortgages:
+Completion Certification (06/04/2025)
+
+SB5-3.2-05, HomeStyle Renovation Mortgages:
+Completion Report (06/04/2025)
+
+B5-3.3-01, HomeStyle Energy for Improvements on
+Existing Properties (10/08/2025)
+
+SB5-3.3-01, HomeStyle Refresh for Improvements on
+Existing Properties (12/10/2025)
+
+B5-4.2-02, Disaster-Related Limited Cash-Out
+Refinance Flexibilities (10/08/2025)
+
+SB5-4.2-02, Disaster-Related Limited Cash-Out
+Refinance Flexibilities (10/08/2025)
+
+B5-7-03, High LTV Refinance Alternative
+Qualification Path (06/04/2025)
diff --git a/chunks/txt/2a012fb6acef9712888085c3bfc56bd1b352eb517daa3cf445bb70c7e9a10fc9.txt b/chunks/txt/2a012fb6acef9712888085c3bfc56bd1b352eb517daa3cf445bb70c7e9a10fc9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0e98089ce6b6b748570dcde5b92381921340c1c3
--- /dev/null
+++ b/chunks/txt/2a012fb6acef9712888085c3bfc56bd1b352eb517daa3cf445bb70c7e9a10fc9.txt
@@ -0,0 +1,60 @@
+5. PERIODIC_ADJUSTMENT_RULES / PERIODIC_ADJUSTMENT_RULE
+
+This set of rules can repeat, with each rule identified by the value of
+AdjustmentRuleType as either “First” or “Subsequent.”
+
+a. Adjustable Rate Loans. When the AdjustmentRuleType = “First,” the
+PERIODIC_ADJUSTMENT_RULE consists of instructions governing the establishment of
+the initial periodic base rate. It specifies the initial periodic base rate, effective date,
+and the selection date for next periodic base rate, and the upper and lower limits for
+the interest rate relative to the base rate.
+
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 46 of 76
+
+Section IV. Using the MISMO V3.0 Reference Model
+
+Example IV-9. Use of INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE for
+an ARM.
+
+This loan, closed on January 15, 2010, has a 5-year initial fixed interest rate
+period and adjusts annually thereafter with a 5/2/6 cap structure.
+
+INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE —Instance #1
+
+Data Point
+
+Definition
+
+Valid Value
+
+AdjustmentRuleType
+
+PerChangeMaximumD
+ecreaseRatePercent
+
+PerChangeMaximumIn
+creaseRatePercent
+
+PerChangeRateAdjust
+mentEffectiveDate
+
+Specifies whether the occurrence of the
+adjustment is the first change or a subsequent
+change.
+
+The maximum number of percentage points
+by which the rate can decrease from the
+previous interest rate.
+
+The maximum number of percentage points
+by which the rate can increase from the
+previous interest rate.
+
+The date when the Interest Rate Per Change
+Adjustment Rule first becomes applicable.
+The Rule remains in effect unless another
+Rule with a later date is present on the loan.
diff --git a/chunks/txt/2a06bfdf3520ce20de9e9db48d9b4f5efab1a7d2cc3199ad99378be7d7875b21.txt b/chunks/txt/2a06bfdf3520ce20de9e9db48d9b4f5efab1a7d2cc3199ad99378be7d7875b21.txt
new file mode 100644
index 0000000000000000000000000000000000000000..90125f6fe0c4c808edf3df48e2ac1bfb2379a13b
--- /dev/null
+++ b/chunks/txt/2a06bfdf3520ce20de9e9db48d9b4f5efab1a7d2cc3199ad99378be7d7875b21.txt
@@ -0,0 +1,90 @@
+434
+
+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.
+
+435
+
+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.
+
+/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/@GSEBelowGradeTotalSquareFeetNumber
+
+/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/@GSEBelowGradeFinishSquareFeetNumber
+
+5
+
+5
+
+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:
+Whole numbers only
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+
+R
+
+R
+
+R
+
+CR
+
+CR
+
+CR
+
+The sum of this field 3-93 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, 3-95, 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.
+
+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.
diff --git a/chunks/txt/2a06ffe0194045a588aaff834f6ac6259e5a462c9abb21e469027132909a4e57.txt b/chunks/txt/2a06ffe0194045a588aaff834f6ac6259e5a462c9abb21e469027132909a4e57.txt
new file mode 100644
index 0000000000000000000000000000000000000000..084d53b47f8972d491d5bade70ffae6c296035c7
--- /dev/null
+++ b/chunks/txt/2a06ffe0194045a588aaff834f6ac6259e5a462c9abb21e469027132909a4e57.txt
@@ -0,0 +1,84 @@
+9667.30
+
+11.3
+
+Closing Costs Paid
+at Closing (J)
+
+IntegratedDisclosur
+eSectionType
+
+DueFromBorrower
+AtClosing
+
+This amount
+represents the
+result of 9.2.2 less
+9.3.2.
+
+Not shown –
+Identifies section to
+which subsection
+belongs
+
+11.3
+
+Closing Costs Paid
+at Closing (J)
+
+IntegratedDisclosur
+eSubsectionType
+
+ClosingCostsSubtot
+al
+
+ROF as “Closing
+Costs Paid”
+
+11. 4 BORROWER PAYOFFS AND PAYMENTS
+
+Sometimes an exchange of funds occurring outside of the closing transaction must be disclosed. When a
+borrower must pay off an external liability(ies) as a condition of receiving the loan, the line item is disclosed as
+11.4 and identified in the XML document by the value of LiabilityType.
+
+Examples include, but are not limited to:
+
+Appendix E: UCD Implementation Guide
+
+Page 166 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+11.0 K. Due from Borrower at Closing
+
+1. Payoff of existing lien(s) secured by the property, such as mortgages, deeds of trust, judgments that have
+attached to the real property, mechanics’ and materialmen’s liens, and local, State and Federal tax liens;
+
+2. Payments of the borrower(s) unsecured outstanding debts; and
+
+3. Payments to third parties for the borrower(s) outstanding debts (but not for settlement services) as a
+condition of receiving credit. Figure 94 shows the borrower’s payment of a credit card balance.
+
+Summaries of Transactions
+
+BORROWER’S TRANSACTION (11.0 – 13.0)
+
+11.0 K. Due from Borrower at Closing
+
+03 11.3 Closing Costs Paid at Closing (J)
+
+11.0.1 $252,347.30
+
+11.3.1
+
+$10,167.30
+
+04 11.4 Credit Card Balance to Finance Bank
+
+11.4.1
+
+$2,000.00
+
+Figure 94. Borrower Payoffs and Payments
diff --git a/chunks/txt/2a09f5c3b1e61e915c0f9662055306a09a1508515cd50e0dbd6065f172bdf31d.txt b/chunks/txt/2a09f5c3b1e61e915c0f9662055306a09a1508515cd50e0dbd6065f172bdf31d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5f8294eb4510458240d4bcfef7e1f6ab676d7218
--- /dev/null
+++ b/chunks/txt/2a09f5c3b1e61e915c0f9662055306a09a1508515cd50e0dbd6065f172bdf31d.txt
@@ -0,0 +1,110 @@
+150
+
+151
+
+152
+
+153
+
+154
+
+155
+
+156
+
+157
+
+PROJECT
+INFORMATION
+
+Project (Parking)
+Ratio (spaces/units)
+
+PROJECT
+INFORMATION
+
+Project (Parking)
+Type
+
+PROJECT
+INFORMATION
+PROJECT
+INFORMATION
+PROJECT
+INFORMATION
+PROJECT
+INFORMATION
+PROJECT
+INFORMATION
+PROJECT
+INFORMATION
+
+Project
+Guest Parking
+Subject Phase
+# of Units
+Subject Phase
+# of Units Completed
+Subject Phase
+# of Units For Sale
+Subject Phase
+# of Units Sold
+Subject Phase
+# of Units Rented
+
+Project Car Storage
+Spaces To Units
+Ratio Number
+
+Project Car Storage
+Description
+
+Guest Parking
+Spaces Count
+Planned Units
+Count
+Completed Units
+Count
+Units For Sale
+Count
+
+Specifies the ratio of the total number of
+parking spaces to the number of units in
+the project.
+Specifies the details, condition,
+restrictions, proximity, etc. of car storage
+for the entire project.
+The total number of guest or common-area
+parking spaces in the project.
+
+Total number of planned living units.
+
+Total number of completed living units.
+
+Total number of living units for sale.
+
+Units Sold Count Total number of living units sold.
+
+Units Rented
+Count
+
+Total number of living units rented.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_CAR_STORA
+GE/@_SpacesToUnitsRatioNumber
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_CAR_STORA
+GE/@_Description
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_CAR_STORA
+GE/@GuestParkingSpacesCount
+/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE
+[@_Type='SubjectPhase']/@PlannedUnitsCount
+/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE
+[@_Type='SubjectPhase']/@CompletedUnitsCount
+/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE
+[@_Type='SubjectPhase']/@UnitsForSaleCount
+/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE
+[@_Type='SubjectPhase']/@UnitsSoldCount
+/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE
+[@_Type='SubjectPhase']/@UnitsRentedCount
diff --git a/chunks/txt/2a0a3fe7584a158ee8311fb4b7b88b4d372697763436267e9a78338abfc251c6.txt b/chunks/txt/2a0a3fe7584a158ee8311fb4b7b88b4d372697763436267e9a78338abfc251c6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6581f6806d760d39416f683496d46c692e0c1c1f
--- /dev/null
+++ b/chunks/txt/2a0a3fe7584a158ee8311fb4b7b88b4d372697763436267e9a78338abfc251c6.txt
@@ -0,0 +1,69 @@
+Uniform Closing Dataset (UCD) Collection Solution Enhancements
+Quick Guide for UCD Enhancements
+
+December 12, 2022
+
+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 2021
+Release Notes Summary to review an archive of the enhancements to UCD in 2021.
+
+Looking for Feedback Message updates? Review the ‘Revision History’ tab in the UCD Feedback Messages for a summary of this year’s message updates.
+
+Just Released
+
+Effective
+Date
+
+December
+12
+
+UPDATED
+
+Impacted Area
+
+UCD Critical Edits -
+Phase 3
+Implementation
+
+Description
+
+On Dec. 12, 2022, Fannie Mae implemented the following UCD Phase 3 edits updates in UCD production and the UCD
+test environment:
+
+• Updated the logic for edit 3632 and turned the edit back on
+
+• Updated the feedback message for edit 3628
+
+• Removed edits 3604 and 3585
+
+See the UCD Feedback Messages revision history tab and the Phase 3 edits tab for all updates. Please reference the UCD
+Critical Edits Transition Resources page for additional resources.
+
+© 2022 Fannie Mae
+
+December 2022
+
+On the Horizon
+
+Effective
+Date
+
+Q1 2023
+
+Impacted Area
+
+New Data Point –
+Qualified Mortgage
+Short Reset ARM APR
+Percent
+
+Description
+
+As announced by the GSEs in the UCD Specification Update Impact Memo, the new data point
+‘gse:QualifiedMortgageShortResetARM_APRPercent’ will be required on and after May 1, 2023 for all Adjustable-Rate
+Mortgages (ARMs) that meet the definition below.
+
+For all ARMs, lenders must use the loan amount over the loan term to calculate periodic payments of principal and interest.
+The Revised Qualified Mortgage (QM) Rule’s Annual Percentage Rate (APR) and Average Prime Offer Rate (APOR) threshold
+test adds an APR data requirement for adjustable-rate QM loans that have an interest rate change within the first five years.
+The lender must use the maximum interest rate that could apply during the first five years after the first payment is due when
+calculating the qualifying rate, e.g.:
diff --git a/chunks/txt/2a18c29a42934f01235d81db626f205d268fb6e89ee642181d2965f096ba1312.txt b/chunks/txt/2a18c29a42934f01235d81db626f205d268fb6e89ee642181d2965f096ba1312.txt
new file mode 100644
index 0000000000000000000000000000000000000000..02fea5e2cddf4beb7f08ff1d63221b4899ec58fb
--- /dev/null
+++ b/chunks/txt/2a18c29a42934f01235d81db626f205d268fb6e89ee642181d2965f096ba1312.txt
@@ -0,0 +1,82 @@
+Reference Fannie Mae Servicing Guide for more details on reporting changes.
+
+Updates to the LSDU User Interface (UI)
+
+With this release, LSDU users will be able to view the Mod Program Type “Payment Deferral No Reclass Program 1 to 12 months”
+for COVID-19 payment deferral and “Payment Deferral No Reclass Program” for Payment Deferral in the Delinquency Modification
+Data section of LSDU. See screenshots below.
+
+COVID-19 Payment Deferral
+
+© 2020 Fannie Mae 7.1.20 Page 1 of 3
+
+Payment Deferral
+
+Updates to Fannie Mae Connect Reports
+
+With this release, Fannie Mae Connect users can determine closed and cancelled payment deferrals by accessing the following
+Fannie Mae Connect Reports:
+
+Former Report
+Name
+
+DARTS Closed
+Modification
+
+New Report Name
+
+DARTS Delinquency
+Modification and
+Payment Deferral
+Closed Report
+
+Delinquency
+Modification and
+Payment Deferral
+Cancellations
+
+Del Mod
+Cancellation
+
+Usage
+
+Payment Deferral
+Identification
+
+COVID-19 Payment
+Deferral Identification
+
+This report contains
+modifications and payment
+deferrals that successfully closed
+in Fannie Mae's Servicing Solution
+System and bridged over to
+Fannie Mae's Servicing and
+Investor Reporting (SIR) system
+for the specified month.
+
+This report contains
+modifications and payment
+deferrals that cancelled in Fannie
+Mae's Servicing Solution System
+requiring case cancellations in
+Fannie Mae's Servicing and
+Investor Reporting (SIR) system
+for servicer's portfolio.
+
+Payment Deferral
+No Reclass
+Program (Del Mod
+Program)
+
+Payment Deferral No
+Reclass Program 1 to 12
+months
+
+Program type not
+identified on
+report; go to LSDU
+Delinquency
+Modification Data
+tab to view Mod
+Program Type
diff --git a/chunks/txt/2a19b53a7a4c2b982acc9557947c7a2788f6098106cb218b62f357ed3393db24.txt b/chunks/txt/2a19b53a7a4c2b982acc9557947c7a2788f6098106cb218b62f357ed3393db24.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d0a5ff01b27090c464883f3f3b74ada25f174d3d
--- /dev/null
+++ b/chunks/txt/2a19b53a7a4c2b982acc9557947c7a2788f6098106cb218b62f357ed3393db24.txt
@@ -0,0 +1,67 @@
+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
+
+Age in years of the borrower at time application
+submitted; 999=Age not provided, 998=Not Applicable
+(Borrower might be a legal entity like an LLC)
+
+Age in years of the borrower at time application
+submitted; 999=Age not provided, 998=No Co-
+Borrower
+Numeric code indicating whether property is owner
+occupied, second home or a rental investment
+property. 1=Principal Residence, 2=Second Home,
+3=Investment Property
+Total number of units in the property
+Interest rate on the mortgage at acquisition
+Mortgage balance at origination
+Ratio of mortgage principal and interest and housing
+expenses to total borrower income.
+Ratio of all debt payments to total borrower income.
+
+Credit Scores are separated into a range: 1=<620,
+2=620 < 660, 3=660 < 700, 4=700 < 760, 5=760 or
+greater, 9 = Missing or Not Applicable
+Credit Scores are separated into a range: 1=<620,
+2=620 < 660, 3=660 < 700, 4=700 < 760, 5=760 or
+greater, 9 = Missing, Not Applicable or No-Co-
+Borrower
+Percent of mortgage balance at origination covered by
+loan level PMI
+
+40
+
+EmploymentBorrowerSelfEmployed
+
+Self
+
+Employment Borrower Self Employment Indicator Numeric code indicating whether the borrower is self-
+
+41
+
+PropertyType
+
+PropType
+
+Property Type
+
+42
+
+IndexSourceType
+
+ARMIndex
+
+Index Source Type
+
+43 MarginRatePercent
+
+ARMMarg
+
+Margin Rate Percent
+
+44
+
+PrepaymentPenaltyExpirationDate
diff --git a/chunks/txt/2a1b2cc5ec7930a2a7eac1f5e79e3803d94576cabcc549104c298df6c2170334.txt b/chunks/txt/2a1b2cc5ec7930a2a7eac1f5e79e3803d94576cabcc549104c298df6c2170334.txt
new file mode 100644
index 0000000000000000000000000000000000000000..07943a15b60966d93303abdf2e530b6a19b0369d
--- /dev/null
+++ b/chunks/txt/2a1b2cc5ec7930a2a7eac1f5e79e3803d94576cabcc549104c298df6c2170334.txt
@@ -0,0 +1,77 @@
+• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 12.026.2).
+
+Outbuilding – 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 IMPROVEMENT
+
+Deliver RELATIONSHIP to associate the defect to the applicable instance of IMPROVEMENT where the ImprovementType = "Outbuilding".
+One RELATIONSHIP container is required for each defect identified on the exterior of the dwelling.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Unique ID
+
+Parent Container
+
+MISMO Attribute Name
+
+Supported Attribute Enumerations
+
+3900.0192
+
+RELATIONSHIP
+
+@xlink:arcrole
+
+urn:fdc:mismo.org:2009:residential/DEFECT ContainsDefectOf IMPROVEMENT
+
+3900.0193
+
+RELATIONSHIP
+
+@xlink:from
+
+DEFECT_n
+
+3900.0194
+
+RELATIONSHIP
+
+@xlink:to
+
+IMPROVEMENT_n
+
+3900.0163
+
+DEFECT
+
+0300.0003
+
+IMPROVEMENT
+
+@xlink:label
+
+@xlink:label
+
+DEFECT_n
+
+IMPROVEMENT_n
+
+Refer to the section Arcrole/Data Relationships in the MISMO XML Version 3.6 chapter for additional information.
+
+Page 213
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+13 Vehicle Storage
+
+Page 214
+
+The Vehicle Storage section provides information about all vehicle storage for the property. This section provides space for additional
+commentary, exhibits, and any apparent defects, damages, or deficiencies.
diff --git a/chunks/txt/2a2571f0b71465743164f9a0572caa761b06290c8b0ce08966cf6db663025228.txt b/chunks/txt/2a2571f0b71465743164f9a0572caa761b06290c8b0ce08966cf6db663025228.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9f18f685b6e1d31fe6e9d9a9621d8960f24e92e8
--- /dev/null
+++ b/chunks/txt/2a2571f0b71465743164f9a0572caa761b06290c8b0ce08966cf6db663025228.txt
@@ -0,0 +1,53 @@
+29.070 Expires
+
+Displays if Credential
+Type is not None
+
+mm/dd/yyyy
+
+Expiration date of the credential.
+Note: Redisplays from 2.027 (Appraiser) or 2.042 (Supervisory Appraiser).
+
+Appendix F-1: URAR Reference Guide
+
+Page 345 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Appendix 1: Glossary
+
+Appendix 1: Glossary
+
+Term
+
+Accessory Dwelling Unit (ADU)
+
+Apparent Environmental
+Condition
+
+Assessor Record
+
+Below Grade
+
+Community Land Trust (CLT)
+
+Definition
+
+An additional living area that is independent of the primary dwelling unit that includes a kitchen, full bathroom, and
+sleeping area. It has a separate ingress and egress from the primary dwelling unit. It is generally subordinate in size
+and location to the primary dwelling, and may be attached to a house or garage, or built as a stand-alone unit.
+Generally, it will use the utility connections of the primary house.
+
+A contamination (hazard or nuisance) that may affect the value and marketability of the site.
+
+Recorded information that identifies and describes real estate property (e.g., a record of transactions, value for
+taxation purposes), sometimes referred to as a property record, tax card, or public record.
+
+A level that is either entirely or partially below the ground level. If any portion of an area is below ground level, then
+the entire level is considered below grade.
+
+A non-profit entity, or federal, state, or local government that owns land and leases it under a long-term ground lease
+to a homebuyer who purchases the improvements on the land. The ground lease contains certain land use restrictions
+that preserve use of the property for affordable housing.
diff --git a/chunks/txt/2a3643b0e050220cb41c377a78d813fa911335f0fc749508c5254b6c0fb52084.txt b/chunks/txt/2a3643b0e050220cb41c377a78d813fa911335f0fc749508c5254b6c0fb52084.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5196205e2c5adb91d0acbee49355ad20d01eddd3
--- /dev/null
+++ b/chunks/txt/2a3643b0e050220cb41c377a78d813fa911335f0fc749508c5254b6c0fb52084.txt
@@ -0,0 +1,40 @@
+As shown in Figure 4, all Document Specific data points in UCD reside under DOCUMENT_ SPECIFIC_DATA_SET
+in the INTEGRATED_DISCLOSURE container and child containers in the MISMO XML structure. As shown in
+Figure 5, the following child containers of INTEGRATED_DISCLOSURE are used in UCD:
+
+a. CASH_TO_CLOSE_ITEMS (10.0 Calculating Cash to Close Table)
+
+b. ESTIMATED_PROPERTY_COSTS (5.0 Projected Payments Table, Estimated Taxes, Insurance &
+
+Assessments (ETI&A))
+
+c.
+
+INTEGRATED_DISCLOSURE_DETAIL (1.1 Date Issued, 3.3 Product, 18.0 Escrow Account)
+
+d. INTEGRATED_DISCLOSURE_SECTION_SUMMARIES (Section and Subsection Headings and Totals)
+
+e. PROJECTED_PAYMENTS (5.0 Projected Payments Table, Payment Calculation)
+
+Appendix E: UCD Implementation Guide
+
+Page 19 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+IV. UCD Data Point Categories
+
+For example: 3.3 Product is conveyed using the Document Specific data point IntegratedDisclosure
+LoanProductDescription within the INTEGRATED_DISCLOSURE_DETAIL container. If the loan is delivered into a
+different context, say the secondary mortgage market, the Product data from the Closing Disclosure may not
+conform to an investor’s product definitions.
+
+Figure 4. Document Specific Structure of the MISMO v3.3.0 Reference Model
+
+3. MUTUALLY EXCLUSI VE D ATA POI NTS
+
+In some instances, mutually exclusive data points have been mapped to one form field. The appropriate data
+point to provide depends upon a specific condition being met. For example: Four mutually exclusive data points
+are mapped to 4.2 / 4.2.1 Interest Rate. The data point to be used in the UCD file depends on whether the loan:
diff --git a/chunks/txt/2a400f76950a801437556b4cebae4f6cfa468216dfade428463ba70140fa2d1e.txt b/chunks/txt/2a400f76950a801437556b4cebae4f6cfa468216dfade428463ba70140fa2d1e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3c6f986d10e929d3cf599cebfddaa219cd1a1fef
--- /dev/null
+++ b/chunks/txt/2a400f76950a801437556b4cebae4f6cfa468216dfade428463ba70140fa2d1e.txt
@@ -0,0 +1,114 @@
+UCD v2.0 Implementation Guide
+
+- 85 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Figure 64. Rendering Escrow Payment at Closing Data on the CD.
+
+Other Costs
+
+8.0
+
+Borrower-Paid
+
+Seller-Paid
+
+At Closing
+
+At Closing
+
+Before
+Closing
+
+Before
+Closing
+
+8.10 G. Initial Escrow Payment at Closing
+
+8.10.1
+
+8.11 Homeowner’s Insurance 8.11.1 ($100.83 per month for 2 mo.) 8.11.2 $201.66
+
+8.12 Mortgage Insurance 8.12.1 ($__per month for__mo.)
+
+8.13 Property Taxes 8.13.1 ($105.30 per month for 2 mo.)
+
+8.12.2
+
+8.13.2
+
+8.11.4
+
+8.12.4
+
+8.13.4 $210.60
+
+Paid by
+Others
+
+8.11.6
+
+8.12.6
+
+8.13.6
+
+8.14 Condo Dues 8.14.1 ($50.00 per month for 4 mo.)
+
+8.14.2 $75.00
+
+8.14.4 $125.00
+
+8.14.6
+
+8.15 Aggregate Adjustment
+
+8.15.2 -$77.00
+
+across
+
+As illustrated in Figure 64 for 8.14 Condo Dues, if the escrow item was funded by more than one payor, break out the
+payment
+EscrowItemActualPaymentAmount,
+EscrowItemPaymentPaidByType and EscrowItemPaymentTimingType are used as necessary to represent payments by the
+Borrower, Seller or a third party. ESCROW_ITEM_PAYMENT repeats for each payor. (EscrowItemPaymentTimingType is
+always “AtClosing” for escrow line items.
+
+payors with
+
+portion
+
+charge.
+
+their
+
+the
+
+all
+
+of
+
+Table 43. UCD v2.0 Spec Excerpt - Escrow Items Collected at Closing (Purchase) Data Requirements.
+
+UCD UID MISMO v3.3.0 Data Point
+
+Delivered Value
+
+Usage Notes
+
+MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/ESCRO
+W/ESCROW_DETAIL
+
+8.061
+
+EscrowAggregateAccountingAdjustment
+Amount
+
+-77.00
+
+This data point provides all the data
+needed for this line item.
diff --git a/chunks/txt/2a419889fa3facbc1d8ce3782f83b86d95d6343386fc204d0752329e24341949.txt b/chunks/txt/2a419889fa3facbc1d8ce3782f83b86d95d6343386fc204d0752329e24341949.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e7d21fa2373fcf0507f4b347f42eaf8b4a1edd86
--- /dev/null
+++ b/chunks/txt/2a419889fa3facbc1d8ce3782f83b86d95d6343386fc204d0752329e24341949.txt
@@ -0,0 +1,97 @@
+Power Purchase Agreement
+(PPA)
+
+Indicates the renewable energy component is not owned by the property owner and is governed by a contract between
+the owner of the renewable energy component (e.g., solar, wind turbine) and the property owner for the sale of electricity
+generated by the component.
+
+Other (Describe)
+
+Select Other to enter an answer that is not in the above list.
+
+Building Certifications
+
+Energy Efficient and Green Features: Building Certifications
+
+Report
+Field ID
+
+6.004
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Known Building
+Certifications
+
+Always required
+
+Yes | No
+
+Definition / Additional Guidance
+
+Indicates whether the property has obtained building / green certifications
+including health or wellness certifications that are known to the appraiser.
+Note: If No, the Building Certification subsection does not display.
+
+6.005
+
+Building
+Certification
+Organization
+
+6.006
+
+Certification
+
+6.007
+
+Year
+
+6.008
+
+Version
+
+6.009
+
+Rating
+
+Required for each
+building certification if
+Known Building
+Certifications is Yes
+
+Required for each
+building certification if
+Known Building
+Certifications is Yes
+
+If available, for each
+building certification if
+Known Building
+Certifications is Yes
+
+If applicable, for each
+building certification if
+Known Building
+Certifications is Yes
+
+If applicable, for each
+building certification if
+Known Building
+Certifications is Yes
+
+Free-form
+
+The full name of the association or program providing the building / green
+certification.
+
+Free-form
+
+Building Certification Name
+The full name or commonly-used acronym of the building / green certification
+that was awarded.
diff --git a/chunks/txt/2a44e989296cd3d4d20d06989f16fa0f98b4c456d444e97aba8ca7ea953ffe74.txt b/chunks/txt/2a44e989296cd3d4d20d06989f16fa0f98b4c456d444e97aba8ca7ea953ffe74.txt
new file mode 100644
index 0000000000000000000000000000000000000000..573a37957cfbef19521b7911fc8ad8c5f3e49019
--- /dev/null
+++ b/chunks/txt/2a44e989296cd3d4d20d06989f16fa0f98b4c456d444e97aba8ca7ea953ffe74.txt
@@ -0,0 +1,17 @@
+3. The appraiser will not 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.
+
+4. 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.
+
+5. 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.
diff --git a/chunks/txt/2a461cada86abc2da6639efaa6ae0d45d3ec9b8f45c143ad2ec1483aef1a6d9f.txt b/chunks/txt/2a461cada86abc2da6639efaa6ae0d45d3ec9b8f45c143ad2ec1483aef1a6d9f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..01a5cc8bdbf0b996fd5a05aa308392b8d38fe97f
--- /dev/null
+++ b/chunks/txt/2a461cada86abc2da6639efaa6ae0d45d3ec9b8f45c143ad2ec1483aef1a6d9f.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\/27256","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/2a64edbdba9f4c647655e18ed12920e2b81be20f65d93a68de80bddf39ec8af8.txt b/chunks/txt/2a64edbdba9f4c647655e18ed12920e2b81be20f65d93a68de80bddf39ec8af8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1db001451c9bc5e9d812791bfd5d23b0bf016161
--- /dev/null
+++ b/chunks/txt/2a64edbdba9f4c647655e18ed12920e2b81be20f65d93a68de80bddf39ec8af8.txt
@@ -0,0 +1,29 @@
+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).
+
+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 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 26 of 26
+Page 26 of 26
+
+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.
diff --git a/chunks/txt/2a7955454aaa4b6f73a52bd91d773038b255a2c99646cc04e794e18fe459fe54.txt b/chunks/txt/2a7955454aaa4b6f73a52bd91d773038b255a2c99646cc04e794e18fe459fe54.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d7d005d3506d032ba32abbd22bc832479e60bb6d
--- /dev/null
+++ b/chunks/txt/2a7955454aaa4b6f73a52bd91d773038b255a2c99646cc04e794e18fe459fe54.txt
@@ -0,0 +1,26 @@
+• Limited Cash Out Refinance transaction - The borrower must have held legal title to the lot
+before he or she receives the first advance of interim construction financing. The borrower is using
+the proceeds from the construction financing to pay off any existing liens on the lot and finance the
+construction of the property. This type of transaction is not a “true” limited cash-out refinance
+whereby the borrower refinances a loan(s) that was used to purchase a completed property;
+however, all other requirements for limited cash-out refinances apply.
+
+The following is a sample of a Single-Closing, Limited Cash Out Refinance Construction-to-Permanent
+transaction. For the complete XML and full URLA forms please refer to test case DI-C05.
+
+“L1. Property and Loan Information” of the Lender Loan Information URLA and the related XML.
+
+22
+
+“L4. Qualifying the Borrower” – Construction costs are reflected as $275,000 on “Line A. Sales Contract
+Price”. The payoff of the $25,000 remaining lot lien is shown on Line D. The loan amount is $290,000.
+
+23
+
+Two-Closing Construction-to-Permanent Transactions
+
+Two-closing construction-to-permanent mortgage transactions utilize two separate loan closings with two
+separate sets of legal documents. The first closing is to obtain the interim construction financing (and may
+include the purchase of the lot), and the second closing is to obtain the permanent financing upon completion
+of the improvements. Fannie Mae does not purchase construction loans (the first closing); however, Fannie
+Mae does purchase loans that were used to provide the permanent financing.
diff --git a/chunks/txt/2a7965d0448e7d8b2ccbb8e5127a7717d13d7bfd01905986a8fa0545e0df7428.txt b/chunks/txt/2a7965d0448e7d8b2ccbb8e5127a7717d13d7bfd01905986a8fa0545e0df7428.txt
new file mode 100644
index 0000000000000000000000000000000000000000..157ad43ae7b6f87eaf48addd59ba1259e7271751
--- /dev/null
+++ b/chunks/txt/2a7965d0448e7d8b2ccbb8e5127a7717d13d7bfd01905986a8fa0545e0df7428.txt
@@ -0,0 +1,117 @@
+Car Storage
+Attachment Type
+
+Specifies if the Car Storage Location
+specified by Car Storage Location
+Type is attached or detached.
+
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/CAR_STORAGE[@_AttachmentTyp
+e='BuiltIn']
+
+206
+
+IMPROVEMENTS
+
+207
+
+IMPROVEMENTS
+
+208
+
+IMPROVEMENTS
+
+209
+
+IMPROVEMENTS
+
+210
+
+IMPROVEMENTS
+
+Appliances
+Refrigerator
+
+Appliances
+Range/Oven
+
+Appliances
+Dishwasher
+
+Appliances
+Disposal
+
+Appliances
+Microwave
+
+Kitchen Equipment
+Exists Indicator
+
+Kitchen Equipment
+Exists Indicator
+
+Kitchen Equipment
+Exists Indicator
+
+Kitchen Equipment
+Exists Indicator
+
+Kitchen Equipment
+Exists Indicator
+
+211
+
+IMPROVEMENTS
+
+Appliances
+Washer/Dryer
+
+Kitchen Equipment
+Exists Indicator
+
+212
+
+IMPROVEMENTS
+
+Appliances
+Other
+
+213
+
+IMPROVEMENTS
+
+Appliances
+Other (describe)
+
+Kitchen Equipment
+Exists Indicator
+
+Kitchen Equipment
+Type Other
+Description
+
+Indicates if the kitchen equipment
+specified in Kitchen Equipment Type
+is present in the unit.
+Indicates if the kitchen equipment
+specified in Kitchen Equipment Type
+is present in the unit.
+Indicates if the kitchen equipment
+specified in Kitchen Equipment Type
+is present in the unit.
+Indicates if the kitchen equipment
+specified in Kitchen Equipment Type
+is present in the unit.
+Indicates if the kitchen equipment
+specified in Kitchen Equipment Type
+is present in the unit.
+Indicates if the kitchen equipment
+specified in Kitchen Equipment Type
+is present in the unit.
+Indicates if the kitchen equipment
+specified in Kitchen Equipment Type
+is present in the unit.
+A free-form text field used to describe
+the kitchen equipment if Other is
+selected as the Kitchen Equipment
+Type.
diff --git a/chunks/txt/2a79cfd4d892f67743c77a429a3c8529f6020a0d32ac0e380efa071207d1f5ee.txt b/chunks/txt/2a79cfd4d892f67743c77a429a3c8529f6020a0d32ac0e380efa071207d1f5ee.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5528bbd7b45db9c3cc9bb5a4b9465b23d4c849b3
--- /dev/null
+++ b/chunks/txt/2a79cfd4d892f67743c77a429a3c8529f6020a0d32ac0e380efa071207d1f5ee.txt
@@ -0,0 +1,44 @@
+MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/FEE_INFO
+RMATION/FEES/FEE/FEE_DETAIL/EXTENSION/OTHER/ucd:FEE_DETAIL_EXTENSION
+
+15.000 | 15.001 | 15.004 |
+15.007 | 15.008 | 15.018 |
+15.009 | 15.010 | 15.013
+
+15.003 | 15.006 | 15.020 |
+15.017 | 15.012 | 15.015
+
+ucd:FeeItemType
+
+See UCD v2.0 Spec Tab “9-FeeItemType
+Enumerations”.
+
+Ucd:FeeItemTypeOtherDescription
+
+UCD v2.0 Implementation Guide
+
+- 154 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+Appendix D. CD Versions and Associated Sections
+
+APPENDIX D. CD VERSIONS AND ASSOCIATED SECTIONS
+
+The Closing Disclosure is a dynamic form with included sections and fields varying based on the transaction purpose
+(purchase or refinance), loan product (fixed or adjustable rates) and CD form type (Model Form, Split Form – Borrower
+Only, or Alternate Form). These are identified in UCD v2.0 with the data points DocumentType = “Other” and
+DocumentTypeOtherDescription =
+
+▪ “ClosingDisclosure:ModelForm” (For Purchase or Refinance Transactions)
+
+▪ “ClosingDisclosure:BorrowerOnly” (For Purchase or Refinance Transaction)
+
+▪ “ClosingDisclosure:AlternateForm” (For Refinance Transactions)
+
+The following table shows the sections and fields that are required for each form variation. The “CD Field ID” and “CD Section
+Name” are listed in the two left columns. The CD variations are listed in the two right columns. The form sections required
+for each variation are checked. In some cases, only certain fields within a section need be provided. A blank cell in any column
+means that the corresponding section should not be included on that form.
diff --git a/chunks/txt/2a83e42748c9ee3bef7451263d3930b7f8c2fb6cb27bddd0fc34a66f58c907ae.txt b/chunks/txt/2a83e42748c9ee3bef7451263d3930b7f8c2fb6cb27bddd0fc34a66f58c907ae.txt
new file mode 100644
index 0000000000000000000000000000000000000000..959619caf9197f7bd9012dd18ad6a920209b67e5
--- /dev/null
+++ b/chunks/txt/2a83e42748c9ee3bef7451263d3930b7f8c2fb6cb27bddd0fc34a66f58c907ae.txt
@@ -0,0 +1,114 @@
+One and only one of fields 1-122, 1-123 (values
+of Property Analysis Exists Indicator and
+Property Analysis Type =
+'UtilitiesAndOffSiteImprovementsConformToN
+eighborhood') should be indicated.
+One and only one of fields 1-122, 1-123 (values
+of Property Analysis Exists Indicator and
+Property Analysis Type =
+'UtilitiesAndOffSiteImprovementsConformToN
+eighborhood') should be indicated.
+If field 1-123 (Property Analysis Exists
+Indicator = 'N' and Property Analysis Type =
+'UtilitiesAndOffSiteImprovementsConformToN
+eighborhood') is indicated, this field should be
+populated.
+
+One and only one of fields 1-125, 1-126 (values
+of Property Analysis Exists Indicator and
+Property Analysis Type =
+'AdverseSiteConditions') should be indicated.
+
+One and only one of fields 1-125, 1-126 (values
+of Property Analysis Exists Indicator and
+Property Analysis Type =
+'AdverseSiteConditions') should be indicated.
+
+If field 1-125 (Property Analysis Exists
+Indicator = 'Y' and Property Analysis Type =
+'AdverseSiteConditions') is indicated then this
+field should be populated.
+
+At least one of 1-128, 129,130,131,132. and 1-
+33 should be populated.
+
+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 180 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
+
+135
+
+1
+
+129
+
+IMPROVEMENTS
+
+Source(s) Used for Physical
+Characteristics of Property
+MLS
+
+Data Source Type
diff --git a/chunks/txt/2a8ee31c1f3f5df0b1ebc87ca02b64c5f17fe3ed083d31a74a7b6cbc3d91e8e4.txt b/chunks/txt/2a8ee31c1f3f5df0b1ebc87ca02b64c5f17fe3ed083d31a74a7b6cbc3d91e8e4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9646f667f4946ff712d3a221258600399635d2d2
--- /dev/null
+++ b/chunks/txt/2a8ee31c1f3f5df0b1ebc87ca02b64c5f17fe3ed083d31a74a7b6cbc3d91e8e4.txt
@@ -0,0 +1,35 @@
+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 465 March 2005 226
+
+Page 4 of 6
+
+Fannie Mae Form 1073 March 2005
+
+2
+
+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 performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition
+of the improvements in factual, specific terms. I 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.
diff --git a/chunks/txt/2a8f58c8672ec8d4d684e7af2255febaa2dc5d19b42b8c914a66a9e776e9dacd.txt b/chunks/txt/2a8f58c8672ec8d4d684e7af2255febaa2dc5d19b42b8c914a66a9e776e9dacd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..62e6af8cc22d400c16f3c50403f76da7fb977c19
--- /dev/null
+++ b/chunks/txt/2a8f58c8672ec8d4d684e7af2255febaa2dc5d19b42b8c914a66a9e776e9dacd.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](/)
+ - [Programs](/programs)
+ - Natural Disaster Risk
+
+Program
+
+# Natural Disaster Risk
+
+## **Agency Documents**
+
+See FHFA’s natural disaster-related performance measures and targets for 2025, 2024, and 2023 within FHFA’s [FY 2025 Annual Performance Plan](/document/fhfa-annual-performance-plan-fy-2025), [FY 2024 Annual Performance Plan](/media/51621), and [FY 2023 Annual Performance Plan](/document/FY2023_APP.pdf), respectively.
diff --git a/chunks/txt/2a9830baa1eea469a97e9f04eadf99c5bf2bee2e93cec9339e47caed02600a0e.txt b/chunks/txt/2a9830baa1eea469a97e9f04eadf99c5bf2bee2e93cec9339e47caed02600a0e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1cce75f7f2932ab2549ff31b4f29cc3193de3687
--- /dev/null
+++ b/chunks/txt/2a9830baa1eea469a97e9f04eadf99c5bf2bee2e93cec9339e47caed02600a0e.txt
@@ -0,0 +1,74 @@
+When PartyRoleType = "Appraiser" OR "AppraiserSupervisor"
+When PartyRoleType = "Appraiser" OR "AppraiserSupervisor" AND
+AppraiserLicenseType <> "None"
+When PartyRoleType = "Appraiser" OR "AppraiserSupervisor" AND
+AppraiserLicenseType <> "None"
+When PartyRoleType = "Appraiser" OR "AppraiserSupervisor" AND
+AppraiserLicenseType <> "None"
+
+Figure 29 - 1
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Certifications – 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.
+
+SIGNATORY to ROLE - 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 376
+
+Appraiser
+
+Unique ID
+
+Parent Container
+
+MISMO Attribute Name
+
+Supported Attribute Enumerations
+
+1400.0342 RELATIONSHIP
+
+@xlink:arcrole
+
+urn:fdc:mismo.org:2009:residential/SIGNATORY_IsAssociatedWith_ROLE
+
+1400.0343 RELATIONSHIP
+
+@xlink:from
+
+SIGNATORY_n
+
+1400.0344 RELATIONSHIP
+
+@xlink:to
+
+2200.0001
+
+SIGNATORY
+
+2400.0045 ROLE
+
+@xlink:label
+
+@xlink:label
+
+ROLE_n
+
+SIGNATORY_n
+
+ROLE_n
+
+Supervisory Appraiser
+
+Unique ID
+
+Parent Container
+
+MISMO Attribute Name
diff --git a/chunks/txt/2a9e256d486613556d30b2837bcc0d60aace61c03a9f3a4062be2c0ae0494504.txt b/chunks/txt/2a9e256d486613556d30b2837bcc0d60aace61c03a9f3a4062be2c0ae0494504.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5341a8a620488aee3e13db2a170c43c515306eb0
--- /dev/null
+++ b/chunks/txt/2a9e256d486613556d30b2837bcc0d60aace61c03a9f3a4062be2c0ae0494504.txt
@@ -0,0 +1,158 @@
+One and only one of fields 1-125, 1-126
+(values of Property Analysis Exists Indicator
+and Property Analysis Type =
+'AdverseSiteConditions') should be indicated.
+
+One and only one of fields 1-125, 1-126
+(values of Property Analysis Exists Indicator
+and Property Analysis Type =
+'AdverseSiteConditions') should be indicated.
+
+If field 1-125 (Property Analysis Exists
+Indicator = 'Y' and Property Analysis Type =
+'AdverseSiteConditions') is indicated then this
+field should be populated.
+
+One and only one of fields 1-128, 1-129
+(values of Structure Accessory Unit Exists
+Indicator) should be indicated.
+One and only one of fields 1-128, 1-129
+(values of Structure Accessory Unit Exists
+Indicator) should be indicated.
+
+One and only one of fields 1-131, 1-132, 1-
+133 (values of Attachment Type) should be
+indicated.
+
+One and only one of fields 1-131, 1-132, 1-
+133 (values of Attachment Type) should be
+indicated.
+
+One and only one of fields 1-131, 1-132, 1-
+133 (values of Attachment Type) should be
+indicated.
+
+One and only one of fields 1-134, 1-135, 1-
+136 (values of Building Status Type) should
+be indicated.
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+R
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+R
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+R
+
+T
+
+T
+
+T
+
+T
+
+Form FNM 1004 FRE 70
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 41 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
diff --git a/chunks/txt/2aa37e32922872d4f223686374c2d92b16e96ac57d085d860fddff0d68189750.txt b/chunks/txt/2aa37e32922872d4f223686374c2d92b16e96ac57d085d860fddff0d68189750.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cf3b80a5e2a240d8e4172fb163322575687b6cb2
--- /dev/null
+++ b/chunks/txt/2aa37e32922872d4f223686374c2d92b16e96ac57d085d860fddff0d68189750.txt
@@ -0,0 +1,125 @@
+X
+
+X
+
+X
+
+X
+
+X
+
+Format
+Type
+
+PDF / JSON
+
+PDF / JSON
+
+PDF / JSON
+
+PDF / JSON
+
+PDF / JSON
+
+PDF / JSON
+
+PDF / JSON
+
+PDF / JSON
+
+PDF / JSON
+
+FRE
+
+Both
+
+Both
+
+Both
+
+Both
+
+Both
+
+Both
+
+Both
+
+© 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.
+
+PDF Data Point Name
+
+JSON SSR
+Field Name
+
+Definition / Description
+
+Appears on…
+[FNM, FRE, Both] *
+
+URAR
+
+Date of Report Signature
+
+appraiserExecutionDa
+te
+
+The date the appraiser’s signature was or will be
+affixed to the document.
+
+Date of Report Signature
+{Supervisory Appraiser row}
+
+supervisoryExecution
+Date
+
+When present, the date the supervisory appraiser’s
+signature was or will be affixed to the document.
+
+Delivery S/SN
+
+deliverySellerNumber The Freddie Mac Seller/Servicer number used for
+
+Document File ID
+
+documentFileId
+
+Document File Status
+
+documentFileStatus
+
+Document ID
+
+documentId
+
+Document Status
+
+documentStatus
+
+Document Type
+
+documentType
+
+delivery.
+
+A unique identifier assigned by UCDP to all appraisal
+document submissions associated with a property.
+
+Status of all active appraisal report submissions
+associated with a property. The status is determined
+by the results of all document validations; if no fatal
+severity findings are fired, status is "Successful"; if
+fatal severity findings are fired, status is "Not
+Successful".
+
+A unique identifier assigned by UCDP to all appraisal
+report submissions associated with a property.
+
+Status of the appraisal report submission associated
+with a property. The status is determined by the
+results of all document validations; if no fatal
+severity findings are fired, status is "Successful"; if
+fatal severity findings are fired, status is "Not
+Successful".
diff --git a/chunks/txt/2aa9a8cea635c43b47519dd20ba6f856006b0e2f69183dcd84195024bc88b088.txt b/chunks/txt/2aa9a8cea635c43b47519dd20ba6f856006b0e2f69183dcd84195024bc88b088.txt
new file mode 100644
index 0000000000000000000000000000000000000000..44ca62c53b071be67226206c1eaa2fb8695dcd57
--- /dev/null
+++ b/chunks/txt/2aa9a8cea635c43b47519dd20ba6f856006b0e2f69183dcd84195024bc88b088.txt
@@ -0,0 +1,31 @@
+(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20)
+
+Page [Page] of [Pages]
+
+Highest and Best Use
+
+Is the present use of the subject property …
+
+Legally Permissible
+Physically Possible
+
+(cid:20)(cid:25)(cid:17)(cid:19)(cid:19)(cid:19)
+
+(cid:20)(cid:25)(cid:17)(cid:19)(cid:19)(cid:20)
+
+Financially Feasible
+Maximally Productive
+
+(cid:20)(cid:25)(cid:17)(cid:19)(cid:19)(cid:21)
+
+(cid:20)(cid:25)(cid:17)(cid:19)(cid:19)(cid:22)
+
+Yes No
+Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use? (cid:133) (cid:133)
+(cid:20)(cid:25)(cid:17)(cid:19)(cid:19)(cid:23)
+
+Highest and Best Use Commentary(cid:1)
+(cid:20)(cid:25)(cid:17)(cid:19)(cid:19)(cid:24)
+Highest and Best Use Exhibits
+
+(cid:20)(cid:25)(cid:17)(cid:19)(cid:19)(cid:25)(cid:17)(cid:20)(cid:3)(cid:3)(cid:3)(cid:95)(cid:3)(cid:3)(cid:20)(cid:25)(cid:17)(cid:19)(cid:19)(cid:25)(cid:17)(cid:21)
diff --git a/chunks/txt/2ab37dd80cc498b7a96c8fb58a50c8dc9185f06adfbd56648db8f37efbf2f2fc.txt b/chunks/txt/2ab37dd80cc498b7a96c8fb58a50c8dc9185f06adfbd56648db8f37efbf2f2fc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7619f00627da489d21088dcd9b8abf187c41b3fc
--- /dev/null
+++ b/chunks/txt/2ab37dd80cc498b7a96c8fb58a50c8dc9185f06adfbd56648db8f37efbf2f2fc.txt
@@ -0,0 +1,64 @@
+take on any additional debt on this property, you may lose this protection and have
+to pay any debt remaining even after foreclosure. You may want to consult a lawyer
+for more information.
+
+ state law does not protect you from liability for the unpaid balance.
+
+The MISMO v3.3.0 definition for DeficiencyRightsPreservedIndicator is “When true, indicates that upon the foreclosure
+sale completion deficiency rights against the borrowers are preserved”. Note that the data point is talking about the lender’s
+rights, so a “true” answer means that state law does not protect the borrower’s rights.
+
+Table 47. UCD v2.0 Spec Excerpt – Foreclosure Rights 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/L
+OAN/FORECLOSURES/FORECLOSURE/FORECLOSURE_DETAIL
+
+13.001
+
+DeficiencyRightsPreservedIndicator
+
+false
+
+Figure 72. XML Snippet - FEE_SMMARY AND FORECLOSURES
+
+
+…
+
+
+
+
+
+
+
+
+…
+
+
+
+
+
+
+4.4040
+ 148367.91
+ 116884.00
+ 74.6600
+ 269574.50
+
+
+
+
+
+
+
+
+
+
+UCD v2.0 Implementation Guide
diff --git a/chunks/txt/2ad78a8a11319bb2076ce8fb0f63936424956c86e6b0a93b6533709804b91e5b.txt b/chunks/txt/2ad78a8a11319bb2076ce8fb0f63936424956c86e6b0a93b6533709804b91e5b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2b0ff0c274951ce279c44e6605fefdc0b456f01a
--- /dev/null
+++ b/chunks/txt/2ad78a8a11319bb2076ce8fb0f63936424956c86e6b0a93b6533709804b91e5b.txt
@@ -0,0 +1,214 @@
+Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 17 of 23
+
+Sales Comparison Approach
+
+Subject Property
+
+Comparable #1
+
+Comparable #2
+
+Comparable #3
+
+General Information
+
+Property Address
+
+14568 Generic Rd
+Out There, VA 56789
+
+35361 Place Rd
+Out There, VA 56789
+
+38243 Place Rd
+Out There, VA 56789
+
+35422 Place Rd
+Out There, VA 56789
+
+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
+
+View | Range
+
+Dwelling(s)
+
+Year Built
+
+Dwelling Style
+
+Heating
+
+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
+
+$799,900
+
+Pending
+
+$770,000
+
+No
+
+08/20/2019
+
+79
+
+Detached
+
+Fee Simple
+
+14.19 Acres
+
+No
+
+06/01/2019
+
+08/01/2019
+
+7
+
+Detached
+
+Fee Simple
+
+15.15 Acres
+
+Local Road
+| Asphalt
+
+3.9 Miles N
+
+$855,000
+
+Settled Sale
+
+—
+
+$825,000
+
+$0
+
+$0
+
+6.56 Miles E
+
+$779,000
+
+Settled Sale
+
+—
+
+$765,000
+
+$0
+
+$0
+
+No
+
+07/01/2018
+
+01/01/2019
+
+76
+
+Detached
+
+Fee Simple
+
+4.04 Miles N
+
+$799,999
+
+Settled Sale
+
+—
+
+$775,000
+
+$0
+
+$0
+
+No
+
+04/01/2019
+
+08/01/2019
+
+94
+
+Detached
+
+Fee Simple
+
+$0
+
+14.37 Acres
+
+$0
+
+12.81 Acres
+
+$25,000
+
+$0
+
+$0
+
+$0
+
+$0
+
+$0
+
+None
+
+None
+
+Street Type | Surface
diff --git a/chunks/txt/2ae2323909ffb17a6cd59f40b8125b7c8407dd34d4452aaa361d4249f2baa5f2.txt b/chunks/txt/2ae2323909ffb17a6cd59f40b8125b7c8407dd34d4452aaa361d4249f2baa5f2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..090359693c6e05b2d35e67a78f5f9680d137a325
--- /dev/null
+++ b/chunks/txt/2ae2323909ffb17a6cd59f40b8125b7c8407dd34d4452aaa361d4249f2baa5f2.txt
@@ -0,0 +1,73 @@
+is collected. Each PARTY container
+
+identified by
+
+the value
+
+is
+
+2. PARTYS IN UCD V2.0
+
+Three categories of PARTY can exist in the XML file. Figure 110 illustrates each category as a gray column. Within the left
+column, three blocks identify the Borrower, Note Pay To and Closing Agent as required for all files. The number notation
+specifies the cardinality (repeatability) requirements for each PARTY. At least one up to a maximum of five Borrower PARTYs
+can be included in the XML file. For Note Pay To and Closing Agent, two PARTYs each and no more must always be provided.
+
+In the center column, the top block identifies the Property Seller as required for every purchase in addition to the parties
+on the left. At least one up to a maximum of five Property Seller PARTYs can be included in the XML file. If Real Estate Agents
+took part in the purchase transaction, two PARTYs each and no more must be provided.
+
+In the right column, the Mortgage Broker is identified as being required in all files if party to the transaction. Two PARTYs
+
+and no more must then be included in the XML file.
+
+Figure 110. Parties to the Transaction in XML File.
+
+Include in All Files
+when Applicable
+
+Mortgage Broker
+
+0:2
+
+Required in All Files
+
+Include with Purchase
+
+Borrower
+
+1:5
+
+Note Pay To (Lender)
+
+2:2
+
+Closing Agent
+
+2:2
+
+Property Seller
+
+1:5
+
+Listing Real Estate
+Agent
+(If Applicable, 0:2)
+
+Selling Real Estate
+Agent
+(If Applicable, 0:2)
+
+UCD v2.0 Implementation Guide
+
+- 133 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+The requirement for “two and no more” PARTYs for all except the Borrower and Property Seller does not mean that two
+different lenders, closing agents, selling and listing real estate agents or mortgage brokers are expected in each file. The next
+section explains the MIN 2 : MAX 2 requirement.
diff --git a/chunks/txt/2af6e94e291dadbbab54f375df4f643a9a66d1fea4d1c1c6699d969e92e46bfd.txt b/chunks/txt/2af6e94e291dadbbab54f375df4f643a9a66d1fea4d1c1c6699d969e92e46bfd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d500bec72f129df68a8cf19a76e06890f5e20758
--- /dev/null
+++ b/chunks/txt/2af6e94e291dadbbab54f375df4f643a9a66d1fea4d1c1c6699d969e92e46bfd.txt
@@ -0,0 +1,277 @@
+Page 4 of 24
+Page 4 of 24
+
+Site (continued)
+
+Site Influence - View - Golf Course
+
+This is where the Golf Course photo would display.
+
+Disaster Mitigation
+
+Mitigation Feature
+
+Impact Resistant Glass
+Impact Resistant Shingles
+
+Disaster Mitigation Commentary
+
+The house was built with impact resistant roof and windows for mitigation against hail and high winds.
+
+Energy Efficient and Green Features
+
+Known Renewable Energy Components
+
+None
+
+Building Certification Organization
+US Green Building Council
+
+Certification
+LEED
+
+Known Efficiency Ratings
+
+None
+
+Check #A
+
+Energy Efficient and Green Features Impact to Value/Marketability
+
+Impact to Value/Marketability
+
+Neutral
+
+Year
+2018
+
+Version
+V4
+
+Rating
+Gold
+
+Appraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)
+
+Uniform Residential Appraisal Report
+
+Page 5 of 24
+Page 5 of 24
+
+Sketch
+
+Measurement Standard
+
+ANSI
+
+Floor Plan
+
+Bedroom
+
+'
+
+7
+1
+
+8'
+
+Staircase
+
+38'
+
+1
+6
+
+'
+
+30'
+
+3 Car Attached
+
+34'
+
+B
+a
+t
+h
+
+1/2
+Bath
+
+4'
+
+4
+
+'
+
+1
+1
+
+'
+
+Mud
+Room
+
+4'
+
+1
+5
+
+'
+
+Office
+
+'
+
+5
+1
+
+m
+o
+o
+R
+g
+n
+n
+D
+
+i
+
+i
+
+Kitchen
+
+L1
+
+8'
+
+'
+
+0
+1
+
+Family
+Room
+
+'
+
+5
+
+1'
+
+'
+
+0
+1
+
+1'
+
+'
+
+5
+
+30'
+
+1
+2
+
+'
+
+Non-continuous finished
+
+'
+
+2
+1
+
+30'
+
+30'
+
+38'
+
+Bedroom
+
+Bedroom
+
+'
+
+7
+1
+
+Utility
+
+1
+6
+
+'
+
+'
+
+5
+1
+
+8'
+
+m
+o
+o
+R
+n
+u
+S
+
+8'
+
+Bath
+
+Staircase
+
+B1
+
+Family
+Room
+
+'
+
+0
+1
+
+Wet Bar
+
+30'
+
+4'
+
+1
+1
+
+'
+
+4'
+
+1
+5
+
+'
+
+Living Area
+Non-continuous finished
+
+L1
+
+B1
+
+Total Living Area (Rounded):
+Non-living Area
+3 Car Attached
+
+Area Calculations Summary
+
+Calculation Details
+
+360 Sq ft
+
+1552 Sq ft
+
+1552 Sq ft
diff --git a/chunks/txt/2b15ad437be63ed518787339d4cb24c9dabd7ccd7bb0ecccc27b81e2b31a3967.txt b/chunks/txt/2b15ad437be63ed518787339d4cb24c9dabd7ccd7bb0ecccc27b81e2b31a3967.txt
new file mode 100644
index 0000000000000000000000000000000000000000..74e70b86beccd52d440421fa963d792a5683271d
--- /dev/null
+++ b/chunks/txt/2b15ad437be63ed518787339d4cb24c9dabd7ccd7bb0ecccc27b81e2b31a3967.txt
@@ -0,0 +1,108 @@
+Dwelling Exterior
+Exhibits
+
+Required for each photo or
+image
+
+Required if a physical
+defect, damage, or
+deficiency
+
+A Dwelling Front photo
+displays at the top of the
+section with no caption; any
+additional photos of Dwelling
+Front display in Dwelling
+Exterior Exhibits.
+
+See 8.048
+
+The photo must be associated
+with the specific Defect,
+Damage, or Deficiency. See
+8.056.
+Photos or images related to
+the Dwelling Exterior section
+that are not specified above.
+
+9
+
+Manufactured
+Home
+
+HUD Data Plate
+
+May be provided to further
+identify the photo or image
+
+HUD Certification Label
+
+May be provided to further
+identify the photo or image
+
+Manufactured Home
+Certification
+
+May be provided to further
+identify the photo or image
+
+Manufactured Home
+Exhibits
+
+Required for each photo or
+image
+
+If available, a photo of
+the HUD Data Plate or
+verification source must
+be provided
+A photo of all HUD
+Certification Label(s) (or
+the verification source if
+the HUD Certification
+Label(s) are not present)
+must be provided
+If certification(s) exist for
+the manufactured home,
+a photo of each
+certification label must
+be provided
+
+See 9.010
+
+See 9.017
+
+See 9.018
+
+10
+
+Unit Interior
+
+Level - Room Type
+Example: Level 2 -
+Bedroom
+
+Required, including the
+location, and any other
+descriptive information as
+appropriate
+
+At least one photo of
+each kitchen and
+bathroom in the unit is
+required
+
+Interior Feature
+Example: Flooring
+
+May be provided to further
+identify the photo or image
+
+Apparent Defects,
+Damages, Deficiencies –
+Interior Feature
+Example: Walls and
+Ceiling
+
+May be provided to further
+identify the photo or image
diff --git a/chunks/txt/2b2765845d745f1eb57ffdf035448233cf2fe28f3327b05ac272504b3d5c0163.txt b/chunks/txt/2b2765845d745f1eb57ffdf035448233cf2fe28f3327b05ac272504b3d5c0163.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5a5dcbfd236ee80cd28264715b6c2951c92f0c14
--- /dev/null
+++ b/chunks/txt/2b2765845d745f1eb57ffdf035448233cf2fe28f3327b05ac272504b3d5c0163.txt
@@ -0,0 +1,115 @@
+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=‘Other’ and
+@_TypeOtherDescription=‘RoomAboveGradeLine1’]/@_Amount
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+
+10
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+428
+
+429
+
+430
+
+3
+
+3
+
+3
+
+88
+
+89
+
+90
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+Above Grade Room Count Total
+Rooms
+
+Total Room Count
+
+Specifies the total number of livable
+rooms.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/ROOM_ADJU
+STMENT/@TotalRoomCount
+
+Above Grade Room Count
+Bdrms.
+
+Total Bedroom
+Count
+
+Specifies the total number of bedrooms.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/ROOM_ADJU
+STMENT/@TotalBedroomCount
+
+Above Grade Room Count
+Baths
+
+Total Bathroom
+Count
+
+Specifies the total number of bathrooms.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/ROOM_ADJU
+STMENT/@TotalBathroomCount
+
+431
+
+3
+
+91
+
+SALES
+COMPARISON
+APPROACH
+
+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_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SALE_PRICE_
+ADJUSTMENT[@_Type=‘Other’ and
+@_TypeOtherDescription=‘RoomAboveGradeLine2’]/@_Amount
diff --git a/chunks/txt/2b2829426d58a1853b899e14972d778c2fba811f9b5a55aaf3c456b938ffb7bf.txt b/chunks/txt/2b2829426d58a1853b899e14972d778c2fba811f9b5a55aaf3c456b938ffb7bf.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0e3963ba9b43fe2d498f7f84bc184c2d1c6c9f07
--- /dev/null
+++ b/chunks/txt/2b2829426d58a1853b899e14972d778c2fba811f9b5a55aaf3c456b938ffb7bf.txt
@@ -0,0 +1 @@
+[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/271&order=field_release_date&sort=asc) Report Attachment February 14, 2025 [Freedom of Information Act (FOIA) Report - FY2024](/reports/foia-annual-report/2024) [Read Report](/document/fhfa-fy2024-annual-raw-data-report.xlsx) February 14, 2025 [Freedom of Information Act (FOIA) Report - FY2024](/reports/foia-annual-report/2024) [Read Report](/document/FHFA-FY24-FOIA-Annual-Report.xml) February 14, 2025 [Freedom of Information Act (FOIA) Report - FY2024](/reports/foia-annual-report/2024) [Read Report](/document/FHFA-FY24-FOIA-Annual-Report.pdf) March 08, 2024 [Freedom of Information Act (FOIA) Report - FY2023](/reports/foia-annual-report/2023) [Read Report](/document/fhfa-fy23-foia-annual-report-raw-data-xls) March 08, 2024 [Freedom of Information Act (FOIA) Report - FY2023](/reports/foia-annual-report/2023) [Read Report](/document/fhfa-fy23-foia-annual-report-xml) March 08, 2024 [Freedom of Information Act (FOIA) Report - FY2023](/reports/foia-annual-report/2023) [Read Report](/document/fhfa-fy23-foia-annual-report-pdf) March 02, 2023 [Freedom of Information Act (FOIA) Report - FY2022](/reports/foia-annual-report/2022) [Read Report](/document/fhfa-fy22-foia-annual-report-pdf) March 02, 2023 [Freedom of Information Act (FOIA) Report - FY2022](/reports/foia-annual-report/2022) [Read Report](/document/fhfa-fy22-foia-annual-report-xml) March 02, 2023 [Freedom of Information Act (FOIA) Report - FY2022](/reports/foia-annual-report/2022) [Read Report](/document/fhfa-fy22-foia-annual-report-raw-data-xls) March 03, 2022 [Freedom of Information Act (FOIA) Report - FY2021](/reports/foia-annual-report/2021) [Read Report](/document/fhfa-fy21-foia-annual-report-raw-data) March 03, 2022 [Freedom of Information Act (FOIA) Report - FY2021](/reports/foia-annual-report/2021) [Read Report](/media/30511) March 03, 2022 [Freedom of Information Act (FOIA) Report - FY2021](/reports/foia-annual-report/2021) [Read Report](/media/30516) April 01, 2021 [Freedom of Information Act (FOIA) Report - FY 2020](/reports/foia-annual-report/2020) [Read Report](/media/30241) April 01, 2021 [Freedom of Information Act (FOIA) Report - FY 2020](/reports/foia-annual-report/2020) [Read Report](/media/30236) April 01, 2021 [Freedom of Information Act (FOIA) Report - FY 2020](/reports/foia-annual-report/2020) [Read Report](/document/fhfa-fy20-foia-annual-report-raw-data) March 05, 2020 [Freedom of Information Act (FOIA) Report - FY 2019](/reports/foia-annual-report/2019) [Read Report](/document/fhfa-fy19-annual-report-raw-data) March 05, 2020 [Freedom of Information Act (FOIA) Report - FY 2019](/reports/foia-annual-report/2019) [Read Report](/media/30141) March 05, 2020 [Freedom of Information Act (FOIA) Report - FY 2019](/reports/foia-annual-report/2019) [Read Report](/media/30136) December 31, 2018 [Freedom of Information Act (FOIA) Report - FY 2018](/reports/foia-annual-report/2018) [Read Report](/media/29911) December 31, 2018 [Freedom of Information Act (FOIA) Report - FY 2018](/reports/foia-annual-report/2018) [Read Report](/media/29906) December 31, 2018 [Freedom of Information Act (FOIA) Report - FY 2018](/reports/foia-annual-report/2018) [Read Report](/media/29901) March 05, 2018 [Freedom of Information Act (FOIA) Report - FY 2017](/reports/foia-annual-report/2017) [Read Report](/media/29846) March 05, 2018 [Freedom of Information Act (FOIA) Report - FY 2017](/reports/foia-annual-report/2017) [Read Report](/media/29841) February 23, 2017 [Freedom of Information Act (FOIA) Report - FY 2016](/reports/foia-annual-report/2016) [Read Report](/media/25361) February 23, 2017 [Freedom of Information Act (FOIA) Report - FY 2016](/reports/foia-annual-report/2016) [Read Report](/media/25356)
diff --git a/chunks/txt/2b37ff43590440a709b330b21c5ad24925f85c7ac279c1ac5836473227dc309c.txt b/chunks/txt/2b37ff43590440a709b330b21c5ad24925f85c7ac279c1ac5836473227dc309c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cfdaf194b95a231bd3f8786fdcf2b541720f8216
--- /dev/null
+++ b/chunks/txt/2b37ff43590440a709b330b21c5ad24925f85c7ac279c1ac5836473227dc309c.txt
@@ -0,0 +1,60 @@
+Relocation Funds
+from Employer, Inc.
+
+…/CLOSING_ADJUS
+TMENT_ITEM/CLOSI
+NG_ADJUSTMENT_I
+TEM_PAID_BY/LEG
+AL_ENTITY/LEGAL_E
+NTITY_DETAIL
+
+12. 8 – 12. 11 ADJUSTMENTS FOR I TEMS UNPAI D BY SELLER -UPDATED
+
+Under the heading “Adjustments for Items Unpaid by Seller” the lender must disclose any amounts due from
+the seller(s) to reimburse the borrower(s) at closing, prorated for the period corresponding to each amount.
+Items Unpaid by Seller can include city, town, or county taxes, assessments, and any additional items paid by the
+borrower prior to closing that are due from the seller(s) at closing.
+
+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
+
+Adjustments for Items Unpaid by Seller
+
+1212.8 City/Town Taxes 4/15/14 to 4/30/14
+
+1312.9 County Taxes __to __
+
+1412.10 Assessments __to __
+
+$365.00
+
+12.8.1
+
+12.9.1
+
+12.10.1
+
+1512.11 Utilities 4/15/14 to 4/30/14
+
+12.11.1
+
+$100.00
+
+Figure 106. Adjustments for Items Unpaid by Seller
+
+The Regulation specifies the order and contents of each of the first three line items that must appear in section L
+as shown in the preceding figure.
+
+12.8 City or Town Tax payment due from the seller to reimburse the borrower at the real estate closing, the
+
+start date and end date (inclusive) covered by the payment, and the total dollar amount.
+
+12.9 County Tax payment due from the seller to reimburse the borrower at the real estate closing, the start
+
+date and end date (inclusive) covered by the payment, and the total dollar amount.
+
+Appendix E: UCD Implementation Guide
+
+Page 179 of 254
diff --git a/chunks/txt/2b497c3b0797d97678810684c76e9134341e465d6fdb76c3c9ca7df720cb6fae.txt b/chunks/txt/2b497c3b0797d97678810684c76e9134341e465d6fdb76c3c9ca7df720cb6fae.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2a3b186544b4d91a77a5c4d096354c989c7b51cf
--- /dev/null
+++ b/chunks/txt/2b497c3b0797d97678810684c76e9134341e465d6fdb76c3c9ca7df720cb6fae.txt
@@ -0,0 +1,99 @@
+File #
+
+Describe the common elements and recreational facilities.
+
+Are any common elements leased to or by the Homeowners’ Association?
+
+Yes
+
+No If Yes, describe the rental terms and options.
+
+Is the project subject to ground rent?
+
+Yes
+
+No If Yes, $
+
+per year (describe terms and conditions)
+
+Are the parking facilities adequate for the project size and type?
+
+Yes
+
+No If No, describe and comment on the effect on value and marketability.
+
+did
+
+I
+the analysis was not performed.
+
+did not analyze the condominium project budget for the current year. Explain the results of the analysis of the budget (adequacy of fees, reserves, etc.), or why
+
+Are there any other fees (other than regular HOA charges) for the use of the project facilities?
+
+Yes
+
+No If Yes, report the charges and describe.
+
+Compared to other competitive projects of similar quality and design, the subject unit charge appears
+
+High
+
+Average
+
+Low If High or Low, describe
+
+Are there any special or unusual characteristics of the project (based on the condominium documents, HOA meetings, or other information) known to the appraiser?
+
+Yes
+
+No If Yes, describe and explain the effect on value and marketability.
+
+per month X 12 = $
+Unit Charge $
+Utilities included in the unit monthly assessment
+
+per year
+ Heat
+
+None
+
+Annual assessment charge per year per square feet of gross living area = $
+
+Air Conditioning
+
+Electricity
+
+Gas
+
+Water
+
+Sewer
+
+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)
diff --git a/chunks/txt/2b4ecba14671e9f8dd6df40c77d7558224fcb7368b8140c88131e1ceb4a4fb15.txt b/chunks/txt/2b4ecba14671e9f8dd6df40c77d7558224fcb7368b8140c88131e1ceb4a4fb15.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c844daae95b2fe6587f2e9e577ae98636cbf0e4a
--- /dev/null
+++ b/chunks/txt/2b4ecba14671e9f8dd6df40c77d7558224fcb7368b8140c88131e1ceb4a4fb15.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)
+ - Credit Risk Transfer
+
+Policy
+
+# Credit Risk Transfer
+
+The credit risk transfer (CRT) programs at Fannie Mae and Freddie Mac (the Enterprises) were established to reduce taxpayer exposure to risks arising from credit guarantees extended by the Enterprises through their normal courses of business. The Federal Housing Finance Agency (FHFA) initiated development of a CRT program in 2012 to reduce risk at the Enterprises during their conservatorships, and Fannie Mae and Freddie Mac began implementing their CRT programs in 2013. Under FHFA’s oversight through guidelines, instructions, strategic plans, and Scorecard objectives, the programs have since become a core part of the Enterprises’ single-family guarantee businesses, similar to how risk sharing with the private sector is an integral part of the Enterprises’ multifamily businesses. Using a range of different transaction structures, the Enterprises have transferred to private investors a substantial amount of credit risk assumed through the acquisition of single-family loans in targeted loan categories. The programs include or have included CRTs via capital markets issuances (both corporate debt and bankruptcy remote trust structures), insurance/reinsurance transactions, senior/subordinate transactions, and a variety of lender collateralized recourse transactions. The Enterprises continue to evaluate the scope of their CRT programs and innovate within the CRT market by employing different structures as part of their efforts to further reduce risk, all while using transactions that are economically sensible.
diff --git a/chunks/txt/2b51195e7b7612af57e66dfd4ead6c56e0276d2da8f5a0d97cb9834718827088.txt b/chunks/txt/2b51195e7b7612af57e66dfd4ead6c56e0276d2da8f5a0d97cb9834718827088.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c869040c85baa81e1c737c23632576e1fa14bdf7
--- /dev/null
+++ b/chunks/txt/2b51195e7b7612af57e66dfd4ead6c56e0276d2da8f5a0d97cb9834718827088.txt
@@ -0,0 +1,50 @@
+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.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SAL
+E_PRICE_ADJUSTMENT[@_Type='PropertyRights']/@_Description
+
+20
+
+String
+
+This field should indicate the land rights appraised (e.g. Leasehold or Fee Simple).
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SAL
+E_PRICE_ADJUSTMENT[@_Type='PropertyRights']/@_Amount
+
+10
+
+Money
+
+At least one but no more than two values are
+required.
+
+R
+
+This field is required if the value of field e-15
+(GSE Location Type) is ‘Other’.
+
+The sum of this field 2-59 and fields (2-53, 2-
+55, 2-57, 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, 2-94, 2-96, 2-98, 2-100) must add up
+to Net Adjustment field 2-103.
+
+The sum of this field 2-61 and fields (2-53, 2-
+55, 2-57, 2-59, 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, 2-94, 2-96, 2-98, 2-100) must add up
+to Net Adjustment field 2-103.
+
+The sum of this field 2-63 and fields (2-53, 2-
+55, 2-57, 2-59, 2-61, 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, 2-94, 2-96, 2-98, 2-100) must add up
+to Net Adjustment field 2-103.
diff --git a/chunks/txt/2b5e21b34b85977ae5ac66939a374282338d680738351d81e67bd728a5541b9a.txt b/chunks/txt/2b5e21b34b85977ae5ac66939a374282338d680738351d81e67bd728a5541b9a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1ad862a14674e6ca493185ce9c0ff4bd618961fa
--- /dev/null
+++ b/chunks/txt/2b5e21b34b85977ae5ac66939a374282338d680738351d81e67bd728a5541b9a.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/reports/information-resources-management-strategic-plan"
+date_accessed: "2026-01-27T17:54:20.723Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/2b621dfec2b763b6509e8f207429c7c84340eaec1e1f1a70ac245b2f576eb1c7.txt b/chunks/txt/2b621dfec2b763b6509e8f207429c7c84340eaec1e1f1a70ac245b2f576eb1c7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a6073c1e76f1941a1949d1d5f9035b9032356456
--- /dev/null
+++ b/chunks/txt/2b621dfec2b763b6509e8f207429c7c84340eaec1e1f1a70ac245b2f576eb1c7.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/data/data-governance-resources"
+date_accessed: "2026-01-27T17:48:04.079Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/2b737cfbe0aff9cc24e13899ad910ce847fea1cb3b9b627c729ec54df9286147.txt b/chunks/txt/2b737cfbe0aff9cc24e13899ad910ce847fea1cb3b9b627c729ec54df9286147.txt
new file mode 100644
index 0000000000000000000000000000000000000000..55cebbfab49cfbcb9850ca302a2048610b08c630
--- /dev/null
+++ b/chunks/txt/2b737cfbe0aff9cc24e13899ad910ce847fea1cb3b9b627c729ec54df9286147.txt
@@ -0,0 +1,131 @@
+Apparent Defects, Damages, Deficiencies Requiring Action
+
+None
+
+Appraiser Reference ID SRO-123345Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2)
+
+Uniform Residential Appraisal Report
+
+Page 2 of 20
+
+Assignment Information
+
+Assignment Reason
+Borrower Name
+
+Current Owner of Public Record
+
+Refinance
+John Doe
+Jane Doe
+John Doe
+Jane Doe
+
+Contact Information
+
+Client/Lender
+
+Company Name
+Company Address
+
+Appraiser
+
+Name
+Company Name
+Company Address
+
+XYZ Lending Inc.
+123 Tree Lined St
+Anywhere, TN 12345
+
+Annie Appraiser
+General Appraisal Services
+123 Willow St
+Anywhere, TN 12345
+
+Scope of Inspection by Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date
+
+Physical
+Physical
+03/14/2022
+
+Assignment Information and Scope of Work Commentary
+
+Additional commentary can be added here, if needed by Appraiser.
+
+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.
+
+Credentials
+
+Level
+ID
+State
+Expires
+
+Licensed Residential Appraiser
+T235719287434
+TN
+01/30/2024
+
+Subject Property
+
+Physical Address
+
+County
+Neighborhood Name
+
+123 Anywhere St
+Somecity, TN 12345
+Alpine
+Magic Hill
+
+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
+
+
+
+
+
+
+
diff --git a/chunks/txt/2b79e44380da7949187537e67efc6eb58e90714bacc130625e612f3117fe3e8d.txt b/chunks/txt/2b79e44380da7949187537e67efc6eb58e90714bacc130625e612f3117fe3e8d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4fcd018279c50c080942d240afe2527e4aba033f
--- /dev/null
+++ b/chunks/txt/2b79e44380da7949187537e67efc6eb58e90714bacc130625e612f3117fe3e8d.txt
@@ -0,0 +1,43 @@
+Desktop Underwriter/Desktop Originator Integration Impact Memo
+Sept. Update
+
+Aug. 8, 2025
+
+During the weekend of Sept. 27, 2025, Fannie Mae will implement an update to Desktop Underwriter® (DU®). The changes
+referenced below will apply to DU Version 12.0 loan casefiles submitted or resubmitted to DU during or after the weekend of Sept.
+27, 2025.
+
+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. Please
+review this memo, in addition to the release notes to ensure that your integrated system(s) will be prepared to support this
+release.
+
+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
+
+9
+
+24
+
+12
+
+Distribution of Draft DU Message File and Codified Findings File (CFF)
+
+On Aug. 8, 2025, Fannie Mae will distribute the draft DU Message File and the Codified Findings File via email from Integration
+News (integration_news@fanniemae.com) to all authorized subscribers. Both files will also be accessible through Fannie Mae
+Connect™ for users with appropriate access.
+
+Documentation Level Codes
+
+The following Documentation Level Codes changes will be reflected with the Sept. Update.
diff --git a/chunks/txt/2b8761b8ed94ed6f71b7da08f65c37670dd7d0ae17b6bf6f6b72e60fdbdcd2bd.txt b/chunks/txt/2b8761b8ed94ed6f71b7da08f65c37670dd7d0ae17b6bf6f6b72e60fdbdcd2bd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dc5e718f8c2cbc37405fb5f62f9895639c59ac5b
--- /dev/null
+++ b/chunks/txt/2b8761b8ed94ed6f71b7da08f65c37670dd7d0ae17b6bf6f6b72e60fdbdcd2bd.txt
@@ -0,0 +1,149 @@
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+
+9
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+At least one instance of this field is
+required (i.e. for at least one comp) if
+field 2-101 (Comparable Has Prior
+Sales Indicator = 'Y') is indicated.
+
+CR
+
+CR
+
+CR
+
+317
+
+2
+
+110
+
+PRIOR SALE
+HISTORY
+
+Data Source(s)
+COMPARABLE
+
+Data Source
+Description
+
+A free-form text field used to describe the
+source of information.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/PRIOR_SALE
+S/@DataSourceDescription
+
+30
+
+String
+
+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):
+MLS Organization # Listing
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+
+318
+
+2
+
+111
+
+PRIOR SALE
+HISTORY
+
+Effective Date of Data Source(s)
+COMPARABLE
+
+Data Source
+Effective Date
+
+The effective date of the source of
+information.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/PRIOR_SALE
+S/@DataSourceEffectiveDate
+
+10
+
+Date/Time
+
+Data Format:
+yyyy-mm-dd
+
+PDF Display Format:
+mm/dd/yyyy
+
+319
+
+320
+
+321
+
+322
+
+323
+
+324
+
+325
+
+326
+
+327
+
+328
+
+329
+
+2
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+4000
+
+String
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+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.
diff --git a/chunks/txt/2b944857f077dd895a65ff7bfbfd473d7347b7a886b6ac24560ff4abf19778e1.txt b/chunks/txt/2b944857f077dd895a65ff7bfbfd473d7347b7a886b6ac24560ff4abf19778e1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9aa860fc43f884c7ff4ee54f11c880e4b2583ee8
--- /dev/null
+++ b/chunks/txt/2b944857f077dd895a65ff7bfbfd473d7347b7a886b6ac24560ff4abf19778e1.txt
@@ -0,0 +1,59 @@
+•
+
+Appendix F-1: URAR Reference Guide
+
+Page 371 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Appendix 4: Detached Garage Examples
+
+Area Breakdown
+
+Level and Room Detail
+
+Vehicle Storage
+
+Only the area and details that are specific to the subject’s driveway and garage are reported in this section.
+
+Sales Comparison Approach
+
+In this example, Comparable #1 has a below grade ADU in the dwelling, and a heated detached garage with no
+additional separate area. Comparable #1 has no additional outbuildings.
+
+Unit(s) Subsection for the ADU
+
+Information about the subject property’s ADU populates from the Unit Interior section for the ADU.
+•
+
+Location of ADU – in this example, Location of ADU is ADU/Workshop/Garage for the subject, and Dwelling
+for Comparable #1.
+
+• Floor Number – the floor number of the ADU reflects the level on which the ADU is located (e.g., an ADU in
+the below grade level of the primary dwelling is reported as B1, an ADU located above a detached garage is
+reported as 2).
+
+o
+
+In this example, Floor Number is 1 for the subject and B1 for Comparable #1.
+
+Appendix F-1: URAR Reference Guide
+
+Page 372 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Appendix 4: Detached Garage Examples
+
+Vehicle Storage Subsection
+
+Information about the subject property’s garage area populates from the Vehicle Storage section. If the subject
+or comparable(s) have additional features that impact value and/or marketability, dynamic rows are utilized to
+support adjustments and conclusions.
+
+In this example, the vehicle storage portion of the subject is not heated, and Comparable #1 is heated. Therefore
+an additional row is needed, and the adjustment for Comparable #1 is attributable exclusively to the heating.
diff --git a/chunks/txt/2ba23747de6788a92297745064720cdf7ba794e9aa8ad7bc3d7ad09a033a394c.txt b/chunks/txt/2ba23747de6788a92297745064720cdf7ba794e9aa8ad7bc3d7ad09a033a394c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f574078b4f1bcf47e00a93e7404b17b48db602b1
--- /dev/null
+++ b/chunks/txt/2ba23747de6788a92297745064720cdf7ba794e9aa8ad7bc3d7ad09a033a394c.txt
@@ -0,0 +1,37 @@
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 95 of 166
+
+UAD 3.6 Policy
+
+SB4-1.3-08, Comparable Sales (06/04/2025)
+
+Introduction
+
+This topic contains information on selection of comparable sales, including:
+
+Selection of Comparable Sales
+
+•
+• Minimum Number of Comparable Sales
+• Age of the Comparable Sales
+• Additional Requirements for New (or Recently Converted) Condos, Subdivisions, or PUDS
+• Rural Properties
+• Use of Foreclosures and Short Sales
+
+Selection of Comparable Sales
+
+The appraiser is responsible for determining which comparables are the best and most appropriate for the assignment. Fannie
+Mae expects the appraiser to account for all factors that affect value when completing the analysis. Comparable sales should have
+similar physical and legal characteristics when compared to the subject property. These characteristics include, but are not
+limited to, site, room count, finished area, style, and condition. Site influences, environmental conditions, and hazard zones such
+as Federal Emergency Management Agency (FEMA) designated flood zone or the United States Geological Survey (USGS) lava flow
+zone should be given consideration when selecting comparables.
+
+When choosing comparable sales, the appraiser should examine the market area of the subject property, assess its
+characteristics, and identify similar comparable sales. 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. This does not mean comparable sales must be
+identical to the subject property, but instead should be competitive and appeal to the same market participants that would also
+consider purchasing the subject property. If the available sales are not similar, the appraiser needs to decide whether it is
+appropriate to expand their search to outside the market area. If this occurs, the appraiser must provide commentary to explain
+the rationale for selecting comparable sales outside the subject's market area and make location adjustments if warranted.
diff --git a/chunks/txt/2baf0291d50196d1f604f6f30aff8bb322bff8e09ebed9bc779ba308373996d8.txt b/chunks/txt/2baf0291d50196d1f604f6f30aff8bb322bff8e09ebed9bc779ba308373996d8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b255f8c4a116d545aa11b8013a480ab9d65416c2
--- /dev/null
+++ b/chunks/txt/2baf0291d50196d1f604f6f30aff8bb322bff8e09ebed9bc779ba308373996d8.txt
@@ -0,0 +1,25 @@
+Note: If state law requires a Uniform Commercial Code (UCC) filing in order to perfect a security interest in a manufactured
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 163 of 166
+
+UAD 3.6 Policy
+
+home, the lender must make such filing in any and all appropriate locations.
+
+Background Information Regarding Titling for Manufactured Homes
+
+Titling is complex and further complicated by the lack of a federal standard. Consequently, all states devise their own laws
+resulting in diverse approaches to manufactured home titling and lien perfection. The variety of approaches is particularly
+challenging for lenders originating manufactured home loans in more than one state. Laws of some states do not clearly
+provide for a single lien on the manufactured home, together with the land on which it is situated, but instead, for example,
+require that the lien on the manufactured home be evidenced by notation on the certificate of title.
+
+While the laws of some states establish a procedure for surrender of the certificate of title when the manufactured home has
+become so permanently affixed to the land that it has become real property, the laws of other states do not allow for the
+elimination of the certificate of title to a manufactured home regardless of the degree of affixation of the home to the land. In
+these states, the lien on the land (evidenced by the mortgage, deed of trust or security deed) may be legally distinct from the
+lien on the manufactured home (evidenced on the certificate of title), though both are liens on real property. In this instance,
+the manufactured home is often treated as an “immovable fixture” (personal property that has become so permanently
+attached to the land that it has become real property).
diff --git a/chunks/txt/2bbb8b0bf443f3f56a52dc38fd1eac316b1a1ceeee6956e94b1502ea5174773b.txt b/chunks/txt/2bbb8b0bf443f3f56a52dc38fd1eac316b1a1ceeee6956e94b1502ea5174773b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e2624c28a3fc64fd8676d581d32b6361ccea4fef
--- /dev/null
+++ b/chunks/txt/2bbb8b0bf443f3f56a52dc38fd1eac316b1a1ceeee6956e94b1502ea5174773b.txt
@@ -0,0 +1,96 @@
+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
+
+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?
+
+Zoning Compliance
+
+Legal
+
+Site Built
+Detached
+
+Overall Quality
+Overall Condition
+
+Q4
+C4
+
+Yes No
+
+
+
+
+
+
+Yes No
+
+
+This is where the Subject Property photo would display.
+
+Apparent Defects, Damages, Deficiencies Requiring Action
diff --git a/chunks/txt/2bc1c03ab162ef43880d43eacd073f3a3bbf8e8509b5f586c8b7e47f6987b633.txt b/chunks/txt/2bc1c03ab162ef43880d43eacd073f3a3bbf8e8509b5f586c8b7e47f6987b633.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cf64b7c26d0e7e1f1e1f0f4d7f77a399d6c07433
--- /dev/null
+++ b/chunks/txt/2bc1c03ab162ef43880d43eacd073f3a3bbf8e8509b5f586c8b7e47f6987b633.txt
@@ -0,0 +1,75 @@
+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 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 a Lot Size between 10 and 20 acres 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. Closing dates between 08/18/2018 and 08/30/2019. And, equivalent zoning
+that allows agricultural and residential use.
+
+Search Result Metrics
+
+Active Listings
+
+Median Days on Market
+Lowest List Price
+Median List Price
+Highest List Price
+
+Pending Sales
+
+15
+125
+$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.
diff --git a/chunks/txt/2bc90558dca0dddeb7cfd5c0da32f63cc16437d09103d29f031a886b5fd04276.txt b/chunks/txt/2bc90558dca0dddeb7cfd5c0da32f63cc16437d09103d29f031a886b5fd04276.txt
new file mode 100644
index 0000000000000000000000000000000000000000..84eb25233239d66d66f6ca9d5ed2d962ffc92dc2
--- /dev/null
+++ b/chunks/txt/2bc90558dca0dddeb7cfd5c0da32f63cc16437d09103d29f031a886b5fd04276.txt
@@ -0,0 +1,37 @@
+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.
+
+Additional Scope of Work
+
+Additional Scope of Work cannot be contrary to the original Scope of Work.
+
+Intended Use
+
+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.
+
+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)).
+
+Additional Intended Use
+
+Additional Intended Use cannot be contrary to the original Intended Use.
+
+Intended User
+
+The intended user of this report is the lender/client.
+
+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.
+
+Additional Intended Users
+
+Additional Intended Users cannot be contrary to the original Intended User.
diff --git a/chunks/txt/2bd58795066a4c20339f4bcf943db6fa61bd55173e24b5a833c94e323067342b.txt b/chunks/txt/2bd58795066a4c20339f4bcf943db6fa61bd55173e24b5a833c94e323067342b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6263393df079ca3f9881b8edd646cf14949d562a
--- /dev/null
+++ b/chunks/txt/2bd58795066a4c20339f4bcf943db6fa61bd55173e24b5a833c94e323067342b.txt
@@ -0,0 +1,3 @@
+Approaches to Value ................................................................................................................................................................................................................ 347
+
+Appraisal Summary .................................................................................................................................................................................................................. 348
diff --git a/chunks/txt/2bd73785ac23994ccebe7c722dce7ce5f7db89fad1448054f7a703f631cb0e51.txt b/chunks/txt/2bd73785ac23994ccebe7c722dce7ce5f7db89fad1448054f7a703f631cb0e51.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bd7e4e19a0c4ed8772f4772c6732503d9609d371
--- /dev/null
+++ b/chunks/txt/2bd73785ac23994ccebe7c722dce7ce5f7db89fad1448054f7a703f631cb0e51.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)
+ - Fair Lending Data
+
+# Fair Lending Data
+
+Fair lending is central to the principles under which the U.S. housing finance system operates and is a requirement of law. FHFA’s fair lending activities include monitoring the regulated entities for fair lending and fair housing risk and conducting examinations on their policies, programs, and activities. FHFA monitors loan application accept rates and other trends for fair lending risk and compliance.
diff --git a/chunks/txt/2bd81d3c18f563308d7816552a18f799f654482118229244d93237304c2b2618.txt b/chunks/txt/2bd81d3c18f563308d7816552a18f799f654482118229244d93237304c2b2618.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f7d3138a2caddb78b86f87afe17e0243bc2d0b53
--- /dev/null
+++ b/chunks/txt/2bd81d3c18f563308d7816552a18f799f654482118229244d93237304c2b2618.txt
@@ -0,0 +1,18 @@
+26. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government
+sponsored enterprises, and other secondary market participants may choose to rely on this appraisal report as part of any mortgage finance
+transaction that involves any one or more of these parties. 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.
+
+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.
diff --git a/chunks/txt/2bef27a0684d475ae6b66bf803c8ce64fd94fa317060635841acd5094901dde7.txt b/chunks/txt/2bef27a0684d475ae6b66bf803c8ce64fd94fa317060635841acd5094901dde7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e2d72a2a37eb8ce2b42c5a8b31bb277f14240c81
--- /dev/null
+++ b/chunks/txt/2bef27a0684d475ae6b66bf803c8ce64fd94fa317060635841acd5094901dde7.txt
@@ -0,0 +1,63 @@
+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
+
+Exterior Walls and Trim
+
+Location
+
+Description
+
+Lower right corner of
+rear wall
+
+Possible termite infestation
+
+Mechanical System
+
+Below grade area
+
+The hot water heater is not operational. No
+hot water.
+
+As Is Overall Condition Rating
+
+C4
+
+Existing condition of the property as of the effective date of this
+appraisal, excluding all required repairs, alterations, or inspections
+
+Affects Soundness or
+Structural Integrity
+
+Recommended
+Action
+
+No
+
+No
+
+Inspection
+
+Repair
+
+Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)
+
+Uniform Residential Appraisal Report
+
+Page 20 of 22
+
+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.
diff --git a/chunks/txt/2c02a536ecd28d95775abc460535c919bb978daf6fd3e08335c1cd8066ef3e6f.txt b/chunks/txt/2c02a536ecd28d95775abc460535c919bb978daf6fd3e08335c1cd8066ef3e6f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..02cfe3ca93fd6e9ce3f7a61afc6542362e7d7abd
--- /dev/null
+++ b/chunks/txt/2c02a536ecd28d95775abc460535c919bb978daf6fd3e08335c1cd8066ef3e6f.txt
@@ -0,0 +1,74 @@
+Unit Interior – [Outbuilding Type] – [Structure Identifier] – [Unit Identifier]
+
+10.000 Outbuilding Type
+
+0300.0025
+
+OutbuildingType
+
+10.001
+
+Structure Identifier
+
+0300.0101
+
+StructureIdentifier
+
+10.002
+
+Unit Identifier
+
+0700.0114
+
+UnitIdentifier
+
+Black tab always displays
+
+- When there is only one Dwelling Unit, display black tab as 'Unit Interior'
+- When there are multiple Dwelling Units, display black tab as 'Unit Interior' - [Outbuilding
+
+Type] - [Structure Identifier] - [Unit Identifier] as applicable.
+Display when ImprovementType = "Outbuilding"
+
+Display when ImprovementType = "Dwelling" AND LivingUnitExcludingADUCount > 1
+
+-
+
+Structure Identifier redisplays from the Dwelling Exterior or Outbuilding sections.
+Display when LivingUnitExcludingADUCount > 1 OR AccessoryDwellingUnitTotalCount > 0
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 178
+
+Section Header Examples
+
+- A single-family property with only one unit and no ADU would display ‘Unit Interior’ (Figure 10 - 2)
+
+Figure 10 - 2
+
+- An ADU in a Detached Garage might display ‘Unit Interior – Detached Garage – ADU’ (Figure 10 - 3)
+
+o OutbuildingType = “Other”
+
+o OutbuildingTypeOtherDescription = “ADUGarage”
+
+o UnitIdentifier = “ADU”
+
+Figure 10 - 3
+
+- A unit in a 2-4 with one Dwelling might display ‘Unit Interior – Unit 3’ (Figure 10 - 4)
+
+o UnitIdentifier= “Unit 3”
+
+Figure 10 - 4
+
+- A unit in a 2-4 with multiple Dwellings might display ‘Unit Interior – Building 2 – Unit 2’ (Figure 10 - 5)
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+o StructureIdentifier = “Building 2”
+
+o UnitIdentifier= “Unit 2”
+
+Figure 10 - 5
diff --git a/chunks/txt/2c2af1042c054a7d2fa4157b8be9af1a774ef776a3ba050e6bf33c202816c1d0.txt b/chunks/txt/2c2af1042c054a7d2fa4157b8be9af1a774ef776a3ba050e6bf33c202816c1d0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4f842005f48ee43a4c3a37d53e611a304da162c9
--- /dev/null
+++ b/chunks/txt/2c2af1042c054a7d2fa4157b8be9af1a774ef776a3ba050e6bf33c202816c1d0.txt
@@ -0,0 +1,80 @@
+10
+
+Money
+
+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.
+
+The sum of this field 2-96 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, 2-94, 2-98, 2-100) must
+add up to Net Adjustment field 2-103.
+
+CR
+
+T
+
+CR
+
+T
+
+CR
+
+T
+
+CR
+
+T
+
+CR
+
+T
+
+CR
+
+T
+
+CR
+
+CR
+
+CR
+
+20
+
+String
+
+If field 2-41 is populated, then this field
+should be populated.
+
+T
+
+T
+
+T
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+
+10
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+The sum of this field 2-98 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, 2-94, 2-96, 2-100) must
+add up to Net Adjustment field 2-103.
diff --git a/chunks/txt/2c3b4fae16747579fb957e647623ab993403096d3726f183e0d2dc097284f148.txt b/chunks/txt/2c3b4fae16747579fb957e647623ab993403096d3726f183e0d2dc097284f148.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dfdc5a18fd16f93632dd8b0ffc071a9f14488a62
--- /dev/null
+++ b/chunks/txt/2c3b4fae16747579fb957e647623ab993403096d3726f183e0d2dc097284f148.txt
@@ -0,0 +1,29 @@
+###### 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/)
+
+.login-block.menu-open .user-logout { position: inherit !important; float: left; margin-right: 5px; }
+
+jQuery(document).ready(function () { jQuery('a[href^="#"]:not(.hv-tabbed-content a)').on('click', function (e) { e.preventDefault(); const targetSelector = jQuery(this).attr('href'); const targetEl = jQuery(targetSelector); if (targetEl.length) { jQuery('html, body').animate( { scrollTop: targetEl.offset().top - 50, }, 500, function () { targetEl.attr('tabindex', '-1').focus(); } ); } }); });
+
+## Social media
+
+- [LinkedIn](https://www.linkedin.com/company/fannie-mae-corporation_19722)
+ - [Facebook](https://www.facebook.com/fanniemae)
+ - [Instagram](https://instagram.com/officialfanniemae)
+ - [X (formerly Twitter)](https://twitter.com/FannieMae)
diff --git a/chunks/txt/2c40324d42cfdc220bc5839575bd842b6c22861e82ab52a362a9f5f982366ebc.txt b/chunks/txt/2c40324d42cfdc220bc5839575bd842b6c22861e82ab52a362a9f5f982366ebc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7a3a312d1a84d8cff11d0a392e00b629f8a09b11
--- /dev/null
+++ b/chunks/txt/2c40324d42cfdc220bc5839575bd842b6c22861e82ab52a362a9f5f982366ebc.txt
@@ -0,0 +1,5 @@
+Income Approach Exhibits ........................................................................................................................................................................................................ 321
+
+Income Approach – Arcrole Relationships ............................................................................................................................................................................... 323
+
+25 Cost Approach ................................................................................................................................................................................................................................. 324
diff --git a/chunks/txt/2c47ed02741d51861645ce7ebc8f85066ea9a645039a4582f04f1e5b7089248f.txt b/chunks/txt/2c47ed02741d51861645ce7ebc8f85066ea9a645039a4582f04f1e5b7089248f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7ab76b53a2542a5b44fd896016a8b5a0d61a9e63
--- /dev/null
+++ b/chunks/txt/2c47ed02741d51861645ce7ebc8f85066ea9a645039a4582f04f1e5b7089248f.txt
@@ -0,0 +1,56 @@
+
+
+
+PaidAlreadyByOrOnBehalfOfBorrowerAtClosing
+AdjustmentsForItemsUnpaidBySeller
+10.00
+2024-04-15
+2024-04-30
+Utilities
+
+
+
+…
+
+
+UCD v2.0 Implementation Guide
+
+- 56 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+H. CONSTRUCTION LOAN DATA
+
+The GSEs purchase only the permanent financing portion of construction-to-permanent loans. Guidance for provision of data
+points supporting construction-only loans has been omitted.
+
+In general, a loan is considered to be a construction loan when it is for the cost of building a structure on land either already
+owned (refinance) or to be purchased by the borrower. For a one-closing construction-to-permanent loan, the loan term
+includes both construction and permanent financing portions.
+
+N O T E : As the data and eligibility requirements for construction loans differ between the GSEs, consult each GSE’s web
+pages for the most recent guidelines.
+
+Table 32. XML File Container Structure for Construction Data.
+
+UCD UID
+
+Container Name
+
+UCD Usage Notes
+
+999.121
+
+CONSTRUCTION
+
+Holds data points describing construction loan terms.
+
+Figure 41. Rendering Construction Loan Data on the CD.
+
+3.0 Loan Information
+
+3.1 Loan Term 30 Years 9 Months
diff --git a/chunks/txt/2c540b62766cc138c40318de7afb0e574a0d1c235f575793066469439523534c.txt b/chunks/txt/2c540b62766cc138c40318de7afb0e574a0d1c235f575793066469439523534c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ba120a379e28a802722052ab6ae522f86d68c1fb
--- /dev/null
+++ b/chunks/txt/2c540b62766cc138c40318de7afb0e574a0d1c235f575793066469439523534c.txt
@@ -0,0 +1,77 @@
+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/P
+AYMENT/PARTIAL_PAYMENTS/PARTIAL_PAYMENT
+
+11.090
+
+PartialPaymentApplicationMethodType
+
+ApplyPartialPayment
+
+…/PAYMENT/PAYMENT_RULE
+
+4.016
+
+InitialPrincipalAndInterestPaymentAmount
+
+1200.00
+
+11.013
+
+PartialPaymentAllowedIndicator
+
+4.014
+
+PaymentFrequencyType
+
+11.037
+
+PaymentOptionIndicator
+
+true
+
+Monthly
+
+false
+
+The GSEs do no purchase pay option
+loans so the value is expected to be
+“false”.
+
+N O T E : The following container structures and data points have been removed from UCD v2.0 because the GSEs do not
+purchase loans with the features they describe. NEGATIVE_AMORTIZATION and its data points
+NegativeAmortizationLimitMonthsCount, NegativeAmortizationMaximumLoanBalanceAmount and
+NegativeAmortizationType. Data points …/PAYMENT_RULE/SeasonalPaymentPeriodEndMonth and
+SeasonalPaymentPeriodStartMonth. The EXTENSION to PAYMENT_RULE and its data points
+gse:TotalOptionalPaymentCount and gse:TotalStepPaymentCount. PREPAYMENT_PENALTY and its data points
+PrepaymentPenaltyExpirationMonthsCount and PrepaymentPenaltyMaximumLifeOfLoanAmount.
+
+Figure 100. XML Snippet - Payment Data.
+
+
+…
+
+
+
+
+
+
+
+
+
+
+ApplyPartialPayment
+
+
+
+
+
+1200.00
+ true
+ Monthly
+ false
diff --git a/chunks/txt/2c59404cde59a863ec0a612b66eb70ea618941473d1558ecf82c22dcda381d41.txt b/chunks/txt/2c59404cde59a863ec0a612b66eb70ea618941473d1558ecf82c22dcda381d41.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f59ba9d4f214646e5869589331915043c287c34d
--- /dev/null
+++ b/chunks/txt/2c59404cde59a863ec0a612b66eb70ea618941473d1558ecf82c22dcda381d41.txt
@@ -0,0 +1,177 @@
+PDF Display Format:
+mm/dd/yyyy
+
+This field occurs on every page of the form and must be consistent.
+The only allowable value for this string is:
+UAD Version 9/2011
+
+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
+
+T
+
+CR
+
+CR
+
+T
+
+CR
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+R
+
+T
+
+T
+
+T
+
+Form FNM 1075 FRE 466
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 169 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
+
+539
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+Longitude Number
+
+The X value of the geographic coordinate
+system using geodetic model based on
+North American datum of 1983.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOCATION/@
+LongitudeNumber
+
+30
+
+String
+
+The longitude of the comparable property
+
+Data Field
+Conditionality
+
+T
+
+Form FNM 1075 FRE 466
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 170 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
+
+The allowable values are listed below. When representing these values in the XML
+file, they must be shown exactly as they appear below:
+
+1
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+Appraisal Form
+Type
+
+Specifies the appraisal form used to
+report the valuation.
diff --git a/chunks/txt/2c615c74c5afca8c38f319229bce370f7ff45d880e8bc51e837a3bb746738054.txt b/chunks/txt/2c615c74c5afca8c38f319229bce370f7ff45d880e8bc51e837a3bb746738054.txt
new file mode 100644
index 0000000000000000000000000000000000000000..98390d352e3e250a0f29632a719f466c9bb9b20d
--- /dev/null
+++ b/chunks/txt/2c615c74c5afca8c38f319229bce370f7ff45d880e8bc51e837a3bb746738054.txt
@@ -0,0 +1,189 @@
+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
+
+Completion Report
+
+HF.001
+
+Contact Information
+
+[Role]/[Role]
+
+08.006 / 08.007
+
+Company Name
+Company Address
+
+08.008
+
+08.009
+
+Appraiser
+
+Name
+Designation
+Company Name
+Company Address
+
+08.013
+08.014
+
+08.015
+
+08.016
+Scope of Inspection by Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date
+
+08.017
+
+08.018
+
+08.019
+
+Supervisory Appraiser
+
+Name
+Designation
+Company Name
+Company Address
+
+08.028
+
+08.029
+
+08.030
+
+08.031
+
+Scope of Inspection by Supervisory Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date
+
+08.032
+
+08.033
+
+08.034
+
+Assignment Information and Scope of Work Commentary
+
+08.043
+
+Page [Page] of [Pages]
+
+Credentials
+
+ID
+State
+Expires
+
+08.010
+
+08.011
+
+08.012
+
+Credentials
+
+Level
+ID
+State
+Expires
+
+08.020
+
+08.021
+08.022
+
+08.023
+
+ASC Identifier
+VA Appraiser ID
+FHA Appraiser ID
+Employment Type
+
+08.024
+
+08.025
+
+08.026
+
+08.027
+
+Credentials
+
+Level
+ID
+State
+Expires
+
+ASC Identifier
+VA Appraiser ID
+FHA Appraiser ID
+Employment Type
+
+08.035
+
+08.036
+
+08.037
+
+08.038
+
+08.040
+
+08.041
+
+08.042
+
+Completion 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
+
+Completion Report
+
+HF.001
+
+Intended Use
+
+Page [Page] of [Pages]
+
+09.001
+
+The intended use of this certification of completion is for the lender/client to confirm that the requirements or conditions stated in the
+appraisal report referenced above have been met.
diff --git a/chunks/txt/2c6c1d6f01a3eedfdaf02d859a9f327183dbcea82b38920cbdf74e52b7ffda65.txt b/chunks/txt/2c6c1d6f01a3eedfdaf02d859a9f327183dbcea82b38920cbdf74e52b7ffda65.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e307a4716ee4b72e90a4af395f04f72bb1477a9c
--- /dev/null
+++ b/chunks/txt/2c6c1d6f01a3eedfdaf02d859a9f327183dbcea82b38920cbdf74e52b7ffda65.txt
@@ -0,0 +1,107 @@
+Both
+
+Both
+
+Both
+
+Both
+
+Both
+
+Both
+
+Both
+
+Both
+
+Both
+
+Both
+
+Both
+
+© 2025 Fannie Mae
+
+12.10.2025
+
+5 of 7
+
+Code
+
+798
+
+Whole
+Loan/MBS
+Both
+
+801
+
+807
+
+Both
+
+Both
+
+Description/Definition
+
+FHA Higher Balance Mortgage Loans
+Used to identify certain higher balance FHA loans.
+Value Acceptance Used to identify a DU loan for which the lender has exercised a value
+acceptance offer.
+High LTV Refinance Value Acceptance
+Used to identify a high LTV refinance loan for which the lender has exercised a value
+acceptance offer. When provided, this SFC must be used in conjunction with SFC 007
+(Limited Cash-out Refinance) and SFC 839 (High LTV Refinance Option-Standard).
+Delivery is optional – code is auto-derived
+(Acquisition of high LTV refinance loans is suspended)
+
+Delivery
+Type*
+
+Negotiated
+
+Both
+
+Both
+
+808
+
+Both
+
+818
+
+Both
+
+839
+
+Both
+
+840
+
+Both
+
+841
+
+Both
+
+859
+
+Both
+
+High-Balance Conventional Mortgage Loans
+Used to identify mortgages with original loan amounts in excess of Fannie Mae’s general
+conforming limits and up to the permissible high-cost area limits, which may vary depending
+on the property location and the loan origination date.
+HomeReady "Thin File"
+Used to identify a HomeReady loan where one or more borrowers do not meet the minimum
+credit score of 620, and the lender determines the low score is the result of a thin file, i.e.,
+the borrower has an insufficient credit history documented by reason codes on the credit
+report indicating a lack of credit accounts, accounts not open long enough, lack of usage,
+etc. The thin file has been supplemented with nontraditional credit to establish eligibility.
+Must be used in conjunction with SFC 900.
+High LTV Refinance Option - Standard
+Used to identify a refinance of an existing Fannie Mae loan that meets the requirements of
+the high LTV refinance option. This SFC is used in conjunction with SFC 007 (Limited Cash-
+out Refinance).
+Delivery is optional – code is auto-derived
+(Acquisition of high LTV refinance loans is suspended)
diff --git a/chunks/txt/2c7d26eac1bdb720d8779dc0f3a26a8f4ff88e575c8b4d1afc19dbdb997acd60.txt b/chunks/txt/2c7d26eac1bdb720d8779dc0f3a26a8f4ff88e575c8b4d1afc19dbdb997acd60.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9ba622970480c837473341731aee7ac15b7df1f3
--- /dev/null
+++ b/chunks/txt/2c7d26eac1bdb720d8779dc0f3a26a8f4ff88e575c8b4d1afc19dbdb997acd60.txt
@@ -0,0 +1,29 @@
+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 27 of 29
+Page 27 of 29
+
+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.
diff --git a/chunks/txt/2c8d43e0a05ca3fc70cdde999706f93cac0f99512a27ae2545ba7ea5bee5ad94.txt b/chunks/txt/2c8d43e0a05ca3fc70cdde999706f93cac0f99512a27ae2545ba7ea5bee5ad94.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a8af03670f36264413eb2b265281297b9d280321
--- /dev/null
+++ b/chunks/txt/2c8d43e0a05ca3fc70cdde999706f93cac0f99512a27ae2545ba7ea5bee5ad94.txt
@@ -0,0 +1,161 @@
+Required when Units
+Excluding ADUs is
+more than 1
+
+Free-form
+
+Unit Interior
+•
+
+Structure Identifier
+10.001
+
+No
+
+Examples: Building 1, Building 2
+
+Appendix F-1: URAR Reference Guide
+
+Page 255 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: Interior Quality and Condition
+
+22.09.02
+22.09.18
+
+Structure ID |
+Unit ID
+
+Displays in this
+subsection if Units
+Excluding ADUs is
+more than 1
+
+When Units
+Excluding
+ADUs is more
+than 1 for the
+subject or any
+comparable
+
+Free-form
+
+Unit Interior
+•
+
+Unit Identifier
+10.002
+
+No
+
+Redisplays from 22.07.01, 22.07.17 if applicable.
+Examples: Unit 1, Unit 2, Primary Dwelling, ADU
+
+22.09.03
+22.09.19
+
+Quality
+
+Always
+
+Always required
+
+Q1 to Q6
+
+22.09.04
+22.09.20
+
+Kitchen
+
+If relevant, for
+each kitchen
+in the unit
+
+Required when the
+row is included in the
+sales comparison grid
+
+Free-form
+
+22.09.05
+22.09.21
+
+Overall
+Bathrooms
+
+If relevant
+
+Required when the
+row is included in the
+sales comparison grid
+
+Free-form
+
+22.09.06
+22.09.22
+
+Overall
+Flooring
+
+If relevant
+
+Required when the
+row is included in the
+sales comparison grid
+
+Free-form
+
+22.09.07
+22.09.23
+
+Walls and
+Ceiling
+
+If relevant
+
+Required when the
+row is included in the
+sales comparison grid
+
+Free-form
+
+Unit Interior
+•
+
+Interior Quality
+Rating 10.034
+
+Kitchen Quality
+Summary does not
+populate from Unit
+Interior; the appraiser
+must enter information
+for the subject property
diff --git a/chunks/txt/2c8ebe3b036d0dec3b8d1c1086fe7aab536631175fe5ef16afbf5317c1566d93.txt b/chunks/txt/2c8ebe3b036d0dec3b8d1c1086fe7aab536631175fe5ef16afbf5317c1566d93.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e14462fd776d95c84fd7066cace63f789a49c514
--- /dev/null
+++ b/chunks/txt/2c8ebe3b036d0dec3b8d1c1086fe7aab536631175fe5ef16afbf5317c1566d93.txt
@@ -0,0 +1,33 @@
+Desktop Underwriter/Desktop Originator Integration Impact Memo
+April Update
+
+Feb. 22, 2024
+
+During the weekend of April 20, 2024, Fannie Mae will implement an update to Desktop Underwriter® (DU®) with the changes
+described below. These changes will apply to loan casefiles submitted or resubmitted to DU on or after the weekend of April 20,
+2024.
+
+This update includes the following:
+
+▪ USDA Rural Development Mortgage Type
+
+▪
+
+Invalid FHA Lender ID
+
+Review this memo to ensure that your integrated system(s) will be prepared to support this update.
+
+USDA Rural Development Mortgage Type
+
+Currently, DU returns an Out of Scope recommendation for loan casefiles submitted with a mortgage type of USDA Rural
+Development. DU will now return an Error for loan casefiles submitted with a mortgage type of USDARuralDevelopment.
+
+How will this affect my integrated system(s)?
+
+To align with current error handling and to help simplify parsing of error scenarios without having to open the DU Underwriting
+Findings report, DU will be updated to return a loan validation error in the DU XIS Control Output (CO) and a new error message in
+the MP_STATUS_LOG for loan casefiles submitted with a mortgage type of USDARuralDevelopment. The DU Spec will be updated
+at a later date to add an implementation note that the USDARuralDevelopment enumeration is not supported. See details below.
+
+Integrated systems may require updates to support the new error message. Integrators who opt to continue submitting loan
+casefiles to DU with the USDARuralDevelopment mortgage type should expect to receive the new error message.
diff --git a/chunks/txt/2c95056399ae7526d3fbbd684d7ec2e54c29189c45d71eec016a65c181032818.txt b/chunks/txt/2c95056399ae7526d3fbbd684d7ec2e54c29189c45d71eec016a65c181032818.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1c983d7cc2ef10779a9693dbb74166278c4eab08
--- /dev/null
+++ b/chunks/txt/2c95056399ae7526d3fbbd684d7ec2e54c29189c45d71eec016a65c181032818.txt
@@ -0,0 +1,7 @@
+Appendix B-1: URAR Implementation Guide v1.3
+
+Definition of Market Value ....................................................................................................................................................................................................... 366
+
+Statement of Assumptions and Limiting Conditions ................................................................................................................................................................ 366
+
+Certifications ............................................................................................................................................................................................................................ 368
diff --git a/chunks/txt/2c97737bf21d8bba529496a2845933cfaffa05f557af346c22f4863cc079808a.txt b/chunks/txt/2c97737bf21d8bba529496a2845933cfaffa05f557af346c22f4863cc079808a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..79eb91d16914793593d4f8746e1e759d50eb0420
--- /dev/null
+++ b/chunks/txt/2c97737bf21d8bba529496a2845933cfaffa05f557af346c22f4863cc079808a.txt
@@ -0,0 +1,32 @@
+Loan Servicing Data Utility 3.0 Release Notes
+
+September 12, 2019
+
+Effective September 13, 2019, the Loan Servicing Data Utility (LSDU) 3.0 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, cash
+positions, and offering operational efficiencies.
+
+The following updates are included in this release:
+
+• Ability to view and download summary of Scheduled/Scheduled Swap Cash Position
+• Capability to drill down on the Bankruptcy Cramdown Record in the Transaction history
+• Updates to loan payment history record
+• Updates to the User Interface
+
+Ability to View and Download Summary of Scheduled/Scheduled Swap Cash Position
+
+With this release, users will have the ability to view Scheduled/Scheduled Swap summary draft amounts for
+each servicer number they have access to in the Cash Position section. Additionally, users can download the
+summary details for all selected servicer numbers. Please see Appendix A for additional details.
+
+Capability to Drill Down on the Bankruptcy Cramdown Record in the Transaction History
+
+With this release, users will have the capability to drill down for additional details on the Bankruptcy
+Cramdown record in the Transaction History feature. This will include the ability for users to review rate
+modifications and Post Purchase Adjustments (PPA) details.
+
+Updates to the Loan Payment History Record
+
+With this release, LSDU will provide more clarity in the Payment History feature. The following updates will be
+included:
diff --git a/chunks/txt/2cc042c9416d11ed512d2cc18d36bde4380a7db5ab15e547c1afe717d085d7fb.txt b/chunks/txt/2cc042c9416d11ed512d2cc18d36bde4380a7db5ab15e547c1afe717d085d7fb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f7e29706013bf1c5c273a02f525c4fa56adbb704
--- /dev/null
+++ b/chunks/txt/2cc042c9416d11ed512d2cc18d36bde4380a7db5ab15e547c1afe717d085d7fb.txt
@@ -0,0 +1,33 @@
+**
+
+*Last updated: December 2, 2022*
+
+Sign up for email updates
+
+Leave this field blank
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [](https://www.facebook.com/FHFA)
+ - [](https://www.x.com/FHFA)
+ - [](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [](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/2cc474e05ec3e9f3d67ef041c4e9dd6ae29f77fbd85c4086ab3332ba217cb7da.txt b/chunks/txt/2cc474e05ec3e9f3d67ef041c4e9dd6ae29f77fbd85c4086ab3332ba217cb7da.txt
new file mode 100644
index 0000000000000000000000000000000000000000..85b23af0a39562e6222540b35dc5ee8b1775d95b
--- /dev/null
+++ b/chunks/txt/2cc474e05ec3e9f3d67ef041c4e9dd6ae29f77fbd85c4086ab3332ba217cb7da.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/about"
+date_accessed: "2026-01-27T17:47:57.083Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/2cc77e04df9c9b5ac2102dbdd326383129032228d91850806023b0f4687b38bf.txt b/chunks/txt/2cc77e04df9c9b5ac2102dbdd326383129032228d91850806023b0f4687b38bf.txt
new file mode 100644
index 0000000000000000000000000000000000000000..171d157937a23673c62c0fc723657bbea8c61d70
--- /dev/null
+++ b/chunks/txt/2cc77e04df9c9b5ac2102dbdd326383129032228d91850806023b0f4687b38bf.txt
@@ -0,0 +1,48 @@
+field ID and Name of the associated Closing Disclosure section. Sections are organized as follows:
+
+a. Form section introduction and sample Closing Disclosure excerpts
+
+b. In some sections, “Form Field Descriptions” and discussion of any patterns or variations in provided data
+
+c.
+
+In some sections, “Appendix I Overview” describing the structure of the UCD file illustrated by the
+Appendix I excerpts.
+
+d. “Appendix I Excerpts” showing how the values for the fields need to be provided using UCD data points
+
+e. “A. Mapping Guidance” applicable to the Appendix I excerpt
+
+f. “For More Information” listing in form field ID order of references to the relevant parts of the
+
+Regulation. Regulation references appear in the following order:
+
+i. Regulation text (pp. 80106-80302)
+
+ii. Supplement I to Part 1026—Official Interpretations (pp. 80303-ff)
+
+iii. Section-by-Section Analysis of the Final Rule (pp. 79756-80105).
+
+4. V. Consolidated Mapping Guidance. Explains MISMO mapping concepts and provides A. Mapping Guidance.
+
+Appendix E: UCD Implementation Guide
+
+Page 13 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+II. Document Structure
+
+5. VI. Glossary. A listing and definitions of more technical terms used throughout Appendix I.
+
+6. Error! Reference source not found.. Provides direction on how to provide all property seller data, not just
+
+the limited data required by the GSEs. Relocates sections from previous versions of the I-Guide.
+
+7. VIII. Uniform Closing Dataset (UCD) Specification Resources. List of external references that may be helpful
+
+to implementers of UCD.
+
+Appendix E: UCD Implementation Guide
diff --git a/chunks/txt/2cd5a0765f93bcb9612e6fb40e8291b43710a6d2fbf49dc551c578200cf85fe5.txt b/chunks/txt/2cd5a0765f93bcb9612e6fb40e8291b43710a6d2fbf49dc551c578200cf85fe5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..227d7813d017f567655b68ad7359d42eec720196
--- /dev/null
+++ b/chunks/txt/2cd5a0765f93bcb9612e6fb40e8291b43710a6d2fbf49dc551c578200cf85fe5.txt
@@ -0,0 +1,109 @@
+This section also contains a summary of all identified defects, damages, and deficiencies, and provides space for
+additional commentary and exhibits.
+
+Approaches to Value
+
+Report
+Field ID
+
+26.000
+
+26.001
+
+Report Label
+
+When to Include
+
+Displays when Sales
+Comparison Approach
+Developed by
+Appraiser is Yes
+
+Required when Sales
+Comparison Approach
+Developed by
+Appraiser is No
+
+Sales
+Comparison
+Approach
+
+Indicated Value
+
+Sales
+Comparison
+Approach
+
+Reason for
+Exclusion
+
+26.002
+
+Income
+Approach
+
+Indicated Value
+
+26.003
+
+Income
+Approach
+
+Displays when Income
+Approach Developed
+by Appraiser is Yes
+
+Required when Income
+Approach Developed
+by Appraiser is No
+
+Reason for
+Exclusion
+
+26.004 Cost Approach
+
+Indicated Value
+
+26.005 Cost Approach
+
+Reason for
+Exclusion
+
+Displays when Cost
+Approach Developed
+by Appraiser is Yes
+
+Required when Cost
+Approach Developed
+by Appraiser is No
+
+Reconciliation: Approaches to Value
+
+Allowable
+Answers / Format
+
+Dollar amount
+
+Definition / Additional Guidance
+
+If applicable. Indicated Value by Sales Comparison Approach (22.15.15)
+populates from the Sales Comparison Approach section.
+
+Other (Describe)
+
+For the Sales Comparison Approach, enter Other and the reason the Sales
+Comparison Approach was not developed for this appraisal.
+
+Notes:
+•
+•
+
+For further commentary, use Reconciliation of Market Value (26.019).
+If the Sales Comparison Approach was not developed, reference
+published guidelines by the GSEs, government agencies, or other
+identified secondary market participants for specific guidance.
+
+Dollar amount
+
+If applicable, Indicated Value by Income Approach (24.024) populates from the
+Income Approach section.
diff --git a/chunks/txt/2cd8289a7b33ac5381b27f4ecb3cae317e73d146ed4cde5f1593f56fd881b40f.txt b/chunks/txt/2cd8289a7b33ac5381b27f4ecb3cae317e73d146ed4cde5f1593f56fd881b40f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a847c4db9274e771fc8347ce9c913b3f4daaa6bf
--- /dev/null
+++ b/chunks/txt/2cd8289a7b33ac5381b27f4ecb3cae317e73d146ed4cde5f1593f56fd881b40f.txt
@@ -0,0 +1,21 @@
+Data and Verification Sources of Comparable Sales
+
+Data and verification source(s) for each comparable sale must be reported in the Sales Comparison section of the Uniform
+Residential Appraisal Report (URAR) under data sources. Examples of data sources include, but are not limited to, a multiple
+listing service, deed records, assessor records, real estate agents, builders or developers, appraisers, appraisers’ files, and other
+third-party sources and vendors. The appraiser must state the specific data source (such as tax records or deed records), and
+refrain from using broad categories, such as “public records.” Data source(s) must be reliable sources for the area where the
+subject property is located.
+
+Regardless of the source(s) used, there must be sufficient data to understand and verify the conditions of sale, existence of
+financing concessions, physical characteristics of the subject property, and whether it was a typically motivated transaction.
+
+It is acceptable to obtain comparable sales data from parties that have a financial interest in either the sale or financing of the
+subject property; however, the appraiser must verify the data with a party that does not have a financial interest in the subject
+transaction. For example, if the real estate agent of the subject property has provided comparable sales data, that information
+must be verified through another disinterested source.
+
+Prior Sale and Transfer History of the Subject and Comparable Sales
+
+Fannie Mae requires the appraiser to report and analyze the prior three-year subject property sale and transfer history and the
+prior twelve-month sale and transfer history for each of the comparables.
diff --git a/chunks/txt/2ce8de60c339c229c44d9ecdf75176af0313b04186c7fd47409e3d4a70c3b11b.txt b/chunks/txt/2ce8de60c339c229c44d9ecdf75176af0313b04186c7fd47409e3d4a70c3b11b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..20c7758282a0b79940fca7af0561cc783603dd21
--- /dev/null
+++ b/chunks/txt/2ce8de60c339c229c44d9ecdf75176af0313b04186c7fd47409e3d4a70c3b11b.txt
@@ -0,0 +1,109 @@
+Unique ID
+
+Parent Container
+
+MISMO Attribute Name
+
+Supported Attribute Enumerations
+
+0800.0039 RELATIONSHIP
+
+@xlink:arcrole
+
+urn:fdc:mismo.org:2009:residential/DATA_SOURCE_IsDataSourceFor_SALES_HISTORY
+
+0800.0040 RELATIONSHIP
+
+0800.0041 RELATIONSHIP
+
+0800.0038
+
+SALES_HISTORY
+
+0700.0124 DATA_SOURCE
+
+@xlink:from
+
+@xlink:to
+
+@xlink:label
+
+@xlink:label
+
+DATA_SOURCE_n
+
+SALES_HISTORY_n
+
+SALES_HISTORY_n
+
+DATA_SOURCE_n
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+DATA_SOURCE to PriorSalesOrTransfersIndicator (Subject Property)
+
+When the data source is associated with a subject property, provide the relationship that joins the PriorSalesOrTransfersIndicator data
+point where the ValuationUseType = "SubjectProperty" and there are no prior sales or transfers.
+
+Page 274
+
+Unique ID
+
+Parent Container
+
+MISMO Attribute Name
+
+Supported Attribute Enumerations
+
+0800.0034
+
+RELATIONSHIP
+
+@xlink:arcrole
+
+urn:fdc:mismo.org:2009:residential/DATA_SOURCE_IsDataSourceFor_PriorSalesOrTransfersIndicator
+
+0800.0035
+
+RELATIONSHIP
+
+@xlink:from
+
+DATA_SOURCE_n
+
+0800.0036
+
+RELATIONSHIP
+
+@xlink:to
+
+PriorSalesOrTransfersIndicator_n
+
+0800.0005
+
+PROPERTY_DETAIL
+
+@xlink:label
+
+PriorSalesOrTransfersIndicator_n
+
+0700.0124
+
+DATA_SOURCE
+
+@xlink:label
+
+DATA_SOURCE_n
+
+DATA_SOURCE to PriorSalesOrTransfersIndicator (Sales Comparable)
+
+When the data source is associated with a sales comparable, provide the relationship that joins the PriorSalesOrTransfersIndicator data
+point where the ValuationUseType = "SalesComparable" and there are no prior sales or transfers.
+
+Unique ID
+
+Parent Container
+
+MISMO Attribute Name
+
+Supported Attribute Enumerations
diff --git a/chunks/txt/2cf809bfd7c42f7b972a580fd7435825653da6b2da7e622594a0209ba18ff631.txt b/chunks/txt/2cf809bfd7c42f7b972a580fd7435825653da6b2da7e622594a0209ba18ff631.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0eb90314c0159a91ebd43b485b5d3b626a26f760
--- /dev/null
+++ b/chunks/txt/2cf809bfd7c42f7b972a580fd7435825653da6b2da7e622594a0209ba18ff631.txt
@@ -0,0 +1,90 @@
+18.0 Escrow Account
+
+For now, your loan
+
+18.1 will have an escrow account (also called an “impound” or “trust” 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 …
+
+Escrow
+
+18.2 Escrowed
+Property Costs
+over Year 1
+
+$3,461.00
+
+18.3 Non-Escrowed
+Property Costs
+over Year 1
+
+$1,800
+
+18.4 Initial Escrow
+Payment
+
+18.5 Monthly
+Escrow Payment
+
+$412.25
+
+$288.48
+
+18.2.1 Estimated total amount over year 1 for your
+escrowed property costs:
+Homeowner’s Insurance
+Property Taxes
+Mortgage Insurance
+
+18.3.1 Estimated total amount over year 1 for your
+non-escrowed property costs:
+Homeowner’s Association Dues
+You may have other property costs.
+
+A cushion for the escrow account you
+pay at closing. See Section G on page 2.
+
+The amount included in your total monthly
+payment.
+
+18.1, cont’d will not have an escrow account because you declined it your lender
+
+does not offer one. You must directly pay your property costs, such as taxes
+and homeowner’s insurance. Contact …
+
+No Escrow
+
+18.6 Estimated
+Property Costs
+over Year 1
+18.7 Escrow Waiver
+Fee
+
+$
+
+$
+
+Estimated total amount over year 1. You must pay
+these costs directly, possibly in one or two large
+payments a year.
+
+In the future,
+Your property costs may change and, as a result, your escrow payment may change. …..
+
+Figure 110. Escrow Account
+
+Appendix E: UCD Implementation Guide
+
+Page 191 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+18.0 Escrow Account - UPDATED
+
+18. 1 ESCROW ACCOUNT I NDI CATOR
+
+Lenders must check a box to indicate that they will establish an escrow account on behalf of the borrower to pay
+some or all property costs associated with the loan. If there will be an escrow account, the fields under the
+Escrow heading (18.2 -18.5) must be completed.
diff --git a/chunks/txt/2cfda25fdc28ffad3c43488b7759a0b1fc91dde2c8e4155f15c63f08fd18cdd8.txt b/chunks/txt/2cfda25fdc28ffad3c43488b7759a0b1fc91dde2c8e4155f15c63f08fd18cdd8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0b8ead2cf68c76b438f6c9dddf39128406094b90
--- /dev/null
+++ b/chunks/txt/2cfda25fdc28ffad3c43488b7759a0b1fc91dde2c8e4155f15c63f08fd18cdd8.txt
@@ -0,0 +1,36 @@
+The following typefaces and colors are used throughout this document:
+
+1. Document and form titles are represented in italics. For example: Closing Disclosure, UCD I-Guide.
+
+2. Document section names and table headings are represented between double quotation marks. For
+
+example: See the chapter, “UCD Data Point Categories”.
+
+3. UCD Form Field ID: On Closing Disclosure excerpts from Appendix C, a red superimposed number identifying
+
+a specific location on the form. For example: 1.1 Date Issued.
+
+For data points not sourced from a Closing Disclosure field, the form field ID value “GSE” is used for GSE-
+Specific data points and “XML” is used for XML-Required data points. For example: GSE for
+AppraisalIdentifier. The three different categories of UCD data point are explained in detail in “IV. UCD Data
+Point Categories.”
+
+4. UCD Form Field Name: On the Closing Disclosure, bold black text is used for field labels and headings. For
+
+example: Date Issued.
+
+GSE-specific and XML-required data points are assigned the most applicable Closing Disclosure section name
+for context. For example: Closing Information for AppraisalIdentifier.
+
+5. Form Field Entries: On Closing Disclosure excerpts, Green text is used for the data values used to complete
+
+the Closing Disclosure according to CFPB requirements.
+
+6. On Closing Disclosure excerpts, dark gray text is used to de-emphasize fields or sections that are not
+
+currently under discussion (see Figure 1).
+
+7. On Closing Disclosure excerpts, a zig zag border indicates that Closing Disclosure sections or fields below or
+
+to either side of the border have been excluded because they are not currently under discussion (see Figure
+1).
diff --git a/chunks/txt/2d2203b3fc4e7852f18ddd52eeab6de312467bf6a3d4781758656a5061add6b7.txt b/chunks/txt/2d2203b3fc4e7852f18ddd52eeab6de312467bf6a3d4781758656a5061add6b7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..428d2f600c2676d58a02ded44a1e34d796f5cce3
--- /dev/null
+++ b/chunks/txt/2d2203b3fc4e7852f18ddd52eeab6de312467bf6a3d4781758656a5061add6b7.txt
@@ -0,0 +1,23 @@
+12. Using information available in the normal course of business, 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.
+
+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/2d356dcc3dd500f48a315d629a280b3c2116f73c303f562fd2a44e68d34adc4b.txt b/chunks/txt/2d356dcc3dd500f48a315d629a280b3c2116f73c303f562fd2a44e68d34adc4b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1a07087632732955845991b9401ce27d4422f8c9
--- /dev/null
+++ b/chunks/txt/2d356dcc3dd500f48a315d629a280b3c2116f73c303f562fd2a44e68d34adc4b.txt
@@ -0,0 +1,95 @@
+When PartyRoleType = "AppraiserSupervisor":
+− FirstName and LastName always display.
+− MiddleName and SuffixName display when provided.
+
+Page 47
+
+Report
+Field ID
+
+Report Label
+Name
+
+05.040
+
+Date of
+Signature and
+Report
+
+05.042
+
+Level
+
+05.043
+
+ID
+
+05.044
+
+State
+
+05.045
+
+Expires
+
+Certifications: Signature
+
+Unique ID MISMO Data Point Name
+
+Display Rules
+
+2200.0109
+
+SuffixName
+
+2200.0070
+2200.0125
+
+2200.0100
+2200.0111
+
+2200.0103
+2200.0114
+
+2200.0104
+2200.0115
+
+2200.0102
+2200.0113
+
+ExecutionDate
+
+AppraiserLicenseType
+
+LicenseIdentifier
+
+LicenseIssuingAuthorityStateCode
+
+LicenseExpirationDate
+
+Figure 9 - 1
+
+When PartyRoleType = "Appraiser" (UID: 2200.0070) OR
+"AppraiserSupervisor" (UID: 2200.0125)
+
+When PartyRoleType = "Appraiser" (UID: 2200.0100) OR
+"AppraiserSupervisor" (UID: 2200.0111)
+When PartyRoleType = "Appraiser" (UID: 2200.0103) OR
+"AppraiserSupervisor" (UID: 2200.0114) AND
+AppraiserLicenseType <> "None"
+When PartyRoleType = "Appraiser" (UID: 2200.0104) OR
+"AppraiserSupervisor" (UID: 2200.0115) AND
+AppraiserLicenseType <> "None"
+When PartyRoleType = "Appraiser" (UID: 2200.0102) OR
+"AppraiserSupervisor" (UID: 2200.0113) AND
+AppraiserLicenseType <> "None"
+
+Restricted Appraisal Update Report – Arcrole Relationships
+
+Arcrole relationships, establishes "relationships" or linkages in the XML data file that may be visually obvious on the Restricted Appraisal Update Report.
+In the XML data, specific instances of data points or containers must be connected to properly represent the information.
+
+Page 48
+
+• 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/2d3888a81906b10f8373b9c12beaa06fdb218f154fa7b8fbd20f52b0e95c0ef7.txt b/chunks/txt/2d3888a81906b10f8373b9c12beaa06fdb218f154fa7b8fbd20f52b0e95c0ef7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9b64b2583d0285f0698f4d701c51ceb77be8fbd1
--- /dev/null
+++ b/chunks/txt/2d3888a81906b10f8373b9c12beaa06fdb218f154fa7b8fbd20f52b0e95c0ef7.txt
@@ -0,0 +1,5 @@
+VA Loans ............................................................................................................................................ 12
+
+Credit Request .................................................................................................................................... 12
+
+EarlyCheck ......................................................................................................................................... 15
diff --git a/chunks/txt/2d4026479531d393ad6c448cff87ec5e12b060e4d224e3b066e1cbd2750ebc3d.txt b/chunks/txt/2d4026479531d393ad6c448cff87ec5e12b060e4d224e3b066e1cbd2750ebc3d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a9eb2618527a0a4fafd3467e1d60d5afbc0be768
--- /dev/null
+++ b/chunks/txt/2d4026479531d393ad6c448cff87ec5e12b060e4d224e3b066e1cbd2750ebc3d.txt
@@ -0,0 +1,88 @@
+•
+
+Appendix F-1: URAR Reference Guide
+
+Page 311 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+25 Cost Approach
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Cost Approach: Indicated Value by Cost Approach
+
+25.003 As Is Value of
+Site
+Improvements
+
+25.004 Opinion of Site
+Value
+
+Always displays
+
+Dollar amount
+
+Always displays
+
+Dollar amount
+
+Total As Is Value of Site Improvements: The total value contributed by other “as
+is” improvements located on the subject property. Can be 0, such as when
+Property Rights Appraised is Leasehold.
+Redisplays from the As Is Value of Site Improvements subsection 25.039.
+
+The dollar value estimated for the property site (e.g., land that is improved so
+that it is ready to be used for a specific purpose). Can be 0, such as when
+Property Rights Appraised is Leasehold.
+Redisplays from the Site Value subsection 25.041.
+
+Depreciated Cost - Dwelling
+
+The Depreciated Cost – Dwelling table repeats for each dwelling.
+
+Information that May Display in Gray Bar
+
+The Depreciated Cost – Dwelling gray bar provides context about the dwelling.
+Examples:
+• A single-family property would display “Depreciated Cost – Dwelling”
+• A 2- to 4-unit property with multiple dwellings might display “Depreciated Cost – Dwelling – Building 2”,
+
+depending on appraiser inputs
+
+o Structure Identifier is Building 2
+
+Cost Approach – Depreciated Cost of Dwelling
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+25.005 Depreciated
+
+Display only
+
+N/A
+
+Cost – Dwelling
+(gray bar)
+
+Definition / Additional Guidance
diff --git a/chunks/txt/2d4304e3b7f5de460dc49d2025d2c068efc33dde9d2bc3544b9bf4415a0b611d.txt b/chunks/txt/2d4304e3b7f5de460dc49d2025d2c068efc33dde9d2bc3544b9bf4415a0b611d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0b97ef88a4280be002e2d21f6a0ec5f0fd91bed7
--- /dev/null
+++ b/chunks/txt/2d4304e3b7f5de460dc49d2025d2c068efc33dde9d2bc3544b9bf4415a0b611d.txt
@@ -0,0 +1,92 @@
+Proximity
+Quality
+
+Proximity
+
+Finished Area
+Proximity
+
+Finished Area
+Quality
+
+Superior quality and located further from subject
+
+Located further from subject
+
+Had 5 bedrooms, but because it was larger
+and farther away, it was not used.
+
+Property has a media room and wet bar,
+but is larger and of superior quality.
+
+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 16 of 21
+Page 16 of 21
+
+Sales Comparison Approach (continued)
+
+Check W/KATE-
+
+NEW PAGE?
+
+Sales Comparison Map
+
+This is where the Comparable Sales Map 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 17 of 21
+Page 17 of 21
+
+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
+
+Sales Comparison Approach
+$491,000
+
+Income Approach
+
+Cost Approach
+
+Not Necessary for Credible Results
+
+Not Necessary for Credible Results
+
+$489,000
+$491,000
+Subject to Repair
+
+Reasonable Exposure Time
+Effective Date of Appraisal
diff --git a/chunks/txt/2d4c36a89022b88da528fc9bb055801c4bde8bac7245e150655d6108d1f1245f.txt b/chunks/txt/2d4c36a89022b88da528fc9bb055801c4bde8bac7245e150655d6108d1f1245f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..afb869fa2411668fc14afb73bf6646fd9722c65b
--- /dev/null
+++ b/chunks/txt/2d4c36a89022b88da528fc9bb055801c4bde8bac7245e150655d6108d1f1245f.txt
@@ -0,0 +1,126 @@
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/NEIGHBORHOO
+D_EXTENSION/NEIGHBORHOOD_EXTENSION_SECTION[@ExtensionSect
+ionOrganizationName='UNIFORM APPRAISAL
+DATASET']/NEIGHBORHOOD_EXTENSION_SECTION_DATA/NEIGHBOR
+HOOD_BOUNDARIES/@GSENeighborhoodBoundariesDescription
+
+84
+
+85
+
+86
+
+87
+
+88
+
+NEIGHBORHOOD Neighborhood Description
+
+Neighborhood
+Description
+
+A free-form text field describing the
+neighborhood.
+
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/@_Description
+
+NEIGHBORHOOD
+
+Market Conditions (including support
+for the above conclusions)
+
+Neighborhood
+Market Conditions
+Description
+
+PROJECT SITE
+
+Topography
+
+PROJECT SITE
+
+Size
+
+PROJECT SITE
+
+Density
+
+Site Feature
+Comment
+
+Site Feature
+Comment
+
+Site Feature
+Comment
+
+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/@_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
+
+10
+
+16
+
+16
+
+16
+
+7
+
+7
+
+7
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+4000
+
+4000
+
+4000
+
+40
+
+30
+
+30
+
+Enumerated
+
+UAD Requirement - Refer to Appendix D Neighborhood Section
diff --git a/chunks/txt/2d4c978eb45507caf5d8bf4b3675ffa13f445f72e5db40fbade52cf7da6a9d36.txt b/chunks/txt/2d4c978eb45507caf5d8bf4b3675ffa13f445f72e5db40fbade52cf7da6a9d36.txt
new file mode 100644
index 0000000000000000000000000000000000000000..517da94e85ad9cc356d8efb9b1e3d34ef6bd5f26
--- /dev/null
+++ b/chunks/txt/2d4c978eb45507caf5d8bf4b3675ffa13f445f72e5db40fbade52cf7da6a9d36.txt
@@ -0,0 +1,104 @@
+1.0 Closing Information
+
+2.0 Transaction Information
+
+Figure 112. Parties Required for all Files.
+
+2.1 Borrower
+PartyRoleType =
+“Borrower”
+
+Michael Jones
+INDIVIDUAL/NAME/FirstName LastName
+
+123 Anywhere Street, Unit C
+AddressLineText, AddressUnitIdentifier
+
+Anytown, ST 12345
+CityName, StateCode PostalCode
+
+1.4 Settlement Agent
+PartyRoleType =
+“ClosingAgent”
+
+Epsilon Title
+LEGAL_ENTITY/LEGAL_
+ENTITY_DETAIL/FullNa
+me
+
+2.3 Lender
+PartyRoleType =
+“NotePayTo”
+
+Ficus Bank
+LEGAL_ENTITY/LEGAL_ENTITY_DETAIL/Ful
+lName
+
+The organization and individual contact information for the Note Pay To and Closing Agent are also rendered on 23.0 “Contact
+Information Table”. The data points used to populate each column and row of the “Contact Information” table are shown in
+the following figure.
+
+Figure 113. Rendering Required Data Points on the Contact Table.
+
+Contact Information
+
+23.0
+
+Lender 23.0.1
+PartyRoleType = “NotePayTo”
+
+Settlement Agent 23.0.5
+PartyRoleType = “ClosingAgent”
+
+23.1.1 Ficus Bank
+
+23.1.5 Epsilon Title Co.
+
+23.1 Name
+PARTY/LEGAL_ENTITY/LEGAL_ENTITY
+_DETAIL/FullName
+
+23.2 Address
+AddressLineText, AddressUnitIdentifier
+CityName, StateCode PostalCode
+
+23.2.1
+4321 Random Blvd., Ste. 560
+Somecity, ST 12340
+
+23.2.5
+123 Commerce Pl.
+Somecity, ST 12344
+
+23.3 NMLS ID
+LicenseIdentifier
+
+23.4 License ID
+LicenseIdentifier
+
+23.3.1 111111
+
+23.3.5
+
+23.4.1
+
+23.4.5 AX787811
+
+UCD v2.0 Implementation Guide
+
+- 135 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Figure 113. Rendering Required Data Points on the Contact Table.
+
+Contact Information
+
+23.0
+
+Lender 23.0.1
+PartyRoleType = “NotePayTo”
diff --git a/chunks/txt/2d5bf1f331ffebeb8ae6cde282a9d25d10478c31316dc131effe4c56fec56b10.txt b/chunks/txt/2d5bf1f331ffebeb8ae6cde282a9d25d10478c31316dc131effe4c56fec56b10.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3ab945401341dcb811ab65842531b841c20fb39a
--- /dev/null
+++ b/chunks/txt/2d5bf1f331ffebeb8ae6cde282a9d25d10478c31316dc131effe4c56fec56b10.txt
@@ -0,0 +1,32 @@
+May 1, 2024
+
+First-generation
+Homebuyer
+
+Fannie Mae recently announced the introduction of the definition for a first-generation homebuyer loan. To support this
+announcement, Loan Delivery 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.
+
+See Selling Guide Announcement 2024-03 and Loan Delivery Business Rules for more details.
+
+May 4, 2024
+
+Maintenance Window
+
+Effective May 4, 2024 Loan Delivery will extend its scheduled maintenance period each weekend due to ongoing
+maintenance. The previous downtime window from 5 p.m. Eastern Time (ET) on Saturday to 8 a.m. ET on Sunday will now
+be from 8 a.m. ET on Saturday to 8 a.m. ET on Sunday each weekend.
+
+May 20, 2024
+
+MBS Social Indicator
+
+To further support the Single-Family Mission Index, a Social Indicator will be added for each MBS Pool in Loan Delivery to
+designate if the MBS is eligible for a Social label. The Social Indicator will be "Y" if the Mission Criteria Share percentage is
+100% and the Mission Density Score is at least 2.00; otherwise, the Social Indicator will be "N". For Fannie Majors pools, the
+scores displayed apply to the Major piece and not the entire pool. The Social Indicator field will be added to the Pool
+Statistics tab on the Pool Detail screen. See job aid for details
+at https://singlefamily.fanniemae.com/media/document/pdf/loan-delivery-mission-index-job-aid
+
+Note: MBS pools submitted before May 20, 2024, may not display the correct Social Indicator. The Social Indicator applies
+to all MBS pools submitted on or after May 20, 2024.
diff --git a/chunks/txt/2d5c2e3abc2a14285852b699adea0c95ef33741207ba952984ed17b9b7d84a15.txt b/chunks/txt/2d5c2e3abc2a14285852b699adea0c95ef33741207ba952984ed17b9b7d84a15.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dddd25273ace34105b710a4307302ca86ef5337c
--- /dev/null
+++ b/chunks/txt/2d5c2e3abc2a14285852b699adea0c95ef33741207ba952984ed17b9b7d84a15.txt
@@ -0,0 +1,57 @@
+• Comparable Rental Properties table columns set x 7 picas 6 points wide, maximum 6 columns x 45 picas
+
+(Subject Property and 5 Comps), 2 rows
+
+• First row shows photos of each property
+
+• Second row: Set “Subject Property” as TB-B in first cell, in the following cells set “Comparable #,” “Data
+
+Source:”, “Lease Start Date:”, “Actual Rent:” set as TB-B
+
+•
+
+If more than 5 comparables, comparable cells repeat (see below). Subject Property information appears
+only once.
+
+Appendix E: Report Style Guide
+
+Page 66 of 90
+
+Version 1.4
+
+COMPARABLE RENTAL PROPERTIES TABLE
+
+Comparable Rental Analysis (H1)
+
+Comparable Rental Analysis table differs from standard tables in 3 ways:
+
+1. Each part of the table is set off by a .75 point bounding box (closed on all sides); and a 4-point
+
+gutter between each part.
+
+2. The width of the page is filled by:
+
+o First column sets as x 7 picas 8 points.
+
+o 4 points space
+
+o Second, third, fourth, fifth, and sixth columns set x 4p7 and comprise one grid of a subject
+
+property unit and 3 rental comparables.
+
+o 4 points space
+
+o Repetition of second, third, fourth, fifth, and sixth columns set x 4p7 and comprise one grid of a
+
+subject property unit and 3 rental comparables.
+
+3. Each Subject Unit can have 3–7 comparables. If there are more than 3 comparables, after all the
+
+information is recorded for the Comps, the leftmost column and the “Subject [Unit Identifier]” column
+repeat below, followed by “Comparable #” repeating as necessary.
+
+o For 3 comparables, see layout below. For over 3 comparables, follow alternate layout below.
+
+o
+
+If applicable per the iGuide, an em-dash “—” can appear in a cell instead of other text.
diff --git a/chunks/txt/2d5ffd3a5ea819bc468d4017747745bedcf2f581e5d4a656d7ff18c8646947df.txt b/chunks/txt/2d5ffd3a5ea819bc468d4017747745bedcf2f581e5d4a656d7ff18c8646947df.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d6e88cf3870cacc378a04a898ec5550d8fb3e3db
--- /dev/null
+++ b/chunks/txt/2d5ffd3a5ea819bc468d4017747745bedcf2f581e5d4a656d7ff18c8646947df.txt
@@ -0,0 +1,3 @@
+Overview ................................................................................................................................................................................................................................... 16
+
+Data Mapping and PDF Rendering Information ....................................................................................................................................................................... 16
diff --git a/chunks/txt/2d67dd27ce2eebe4b6ce4062fe70cc0ad43e682c0a87579cccce622fd776a7cd.txt b/chunks/txt/2d67dd27ce2eebe4b6ce4062fe70cc0ad43e682c0a87579cccce622fd776a7cd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..976933ae4df06c603f15393cfa2bbb03d3f1c26f
--- /dev/null
+++ b/chunks/txt/2d67dd27ce2eebe4b6ce4062fe70cc0ad43e682c0a87579cccce622fd776a7cd.txt
@@ -0,0 +1,233 @@
+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
+
+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.
+
+Data Source
+
+Proximity to Subject
diff --git a/chunks/txt/2d708c171aa837c4dbbc2af34302b5cee65030673ece5c1545373cd72b46972b.txt b/chunks/txt/2d708c171aa837c4dbbc2af34302b5cee65030673ece5c1545373cd72b46972b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bb1ee9645364a9304f6c1f05eef4f915fc399891
--- /dev/null
+++ b/chunks/txt/2d708c171aa837c4dbbc2af34302b5cee65030673ece5c1545373cd72b46972b.txt
@@ -0,0 +1,27 @@
+July 24, 2023
+
+## [2023 Duty to Serve Listening Session: Manufactured Housing](/news/videos/2023-duty-to-serve-listening-session-manufactured-housing)
+
+
+ - Video
+
+July 24, 2023
+
+## [2023 Duty to Serve Listening Session: Affordable Housing Preservation](/news/videos/2023-duty-to-serve-listening-session-affordable-housing-preservation)
+
+
+ - Video
+
+July 3, 2023
+
+## [FHFA Working Paper Series: The Value of Intermediaries for GSE Loans](/news/videos/the-value-of-intermediaries-for-gse-loans)
+
+
+ - Video
+
+May 30, 2023
+
+## [FHFA House Price Index 2023 Q1](/news/videos/fhfa-house-price-index-2023-q1)
+
+
+ - Video
diff --git a/chunks/txt/2d768fa9fa0b624f4b889056c0c1b02c860d1cdcdf95b20e10df2c3d46cd7bfc.txt b/chunks/txt/2d768fa9fa0b624f4b889056c0c1b02c860d1cdcdf95b20e10df2c3d46cd7bfc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dd1d3b5b854a24031e4293d65db2a623bb508ccf
--- /dev/null
+++ b/chunks/txt/2d768fa9fa0b624f4b889056c0c1b02c860d1cdcdf95b20e10df2c3d46cd7bfc.txt
@@ -0,0 +1,111 @@
+PROJECT
+ANALYSIS
+
+I did analyze the condominium
+project budget for the current
+year.
+
+Project Analysis
+Budget Analyzed
+Indicator
+
+Indicates that the appraiser analyzed the
+project's budget.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@
+_BudgetAnalyzedIndicator='Y']
+
+1
+
+1
+
+Boolean
+
+Boolean
+
+PROJECT
+ANALYSIS
+
+PROJECT
+ANALYSIS
+
+I did not analyze the
+condominium project budget for
+the current year.
+
+Project Analysis
+Budget Analyzed
+Indicator
+
+Explain the results of the
+analysis of the budget (adequacy
+of fees, reserves, etc.), or why
+the analysis was not performed.
+
+Project Analysis
+Budget Analysis
+Comment
+
+Indicates that the appraiser analyzed the
+project's budget.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@
+_BudgetAnalyzedIndicator='N']
+
+A free-form text field describing the
+results of analyzing the project budget.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/@
+_BudgetAnalysisComment
+
+4000
+
+String
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+222
+
+2
+
+20
+
+PROJECT
+ANALYSIS
+
+Are there any other fees (other
+than regular HOA charges) for
+the use of the project facilities?
+Yes
+
+Project Analysis
+Additional
+Facilities Fee
+Indicator
+
+Indicates that the project does impose an
+additional fee beyond the standard project
+fee.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@
+_AdditionalFacilitiesFeeIndicator='Y']
+
+223
+
+2
+
+21
+
+PROJECT
+ANALYSIS
+
+Are there any other fees (other
+than regular HOA charges) for
+the use of the project facilities?
+No
+
+Project Analysis
+Additional
+Facilities Fee
+Indicator
diff --git a/chunks/txt/2d76bc3f3983eb47c91cce9779f8a0d014ce7482b9e42ef52d3d93e6bced8114.txt b/chunks/txt/2d76bc3f3983eb47c91cce9779f8a0d014ce7482b9e42ef52d3d93e6bced8114.txt
new file mode 100644
index 0000000000000000000000000000000000000000..39f7301df36f2705fd4ae0d834d8f1a621c15339
--- /dev/null
+++ b/chunks/txt/2d76bc3f3983eb47c91cce9779f8a0d014ce7482b9e42ef52d3d93e6bced8114.txt
@@ -0,0 +1,41 @@
+Desktop Underwriter/Desktop Originator Integration Impact Memo
+DU Version 12.0 May Update
+
+May 2, 2025
+
+During the weekend of May 17, 2025, Fannie Mae will implement an update to Desktop Underwriter® (DU®) Version 12.0. The
+changes in this release will apply to DU Version 12.0 loan casefiles submitted or resubmitted to DU during or after the weekend of
+May 17, 2025, except for the Condo Project Manager™ (CPM™) changes.
+
+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
+
+34
+
+16
+
+2
+
+The DU Version 12.0 May update was implemented in the DU integration environment on April 16, 2025.
+
+The final DU message file was distributed via email from Integration News (integration_news@fanniemae.com) to authorized
+subscribers on May 1, 2025. The DU Message file is now available to lenders on Fannie Mae Connect.
+
+Condo Project Manager
diff --git a/chunks/txt/2d904e648a0175c3089b127e5c98630d38d1e26daf75154899a7f7edc5783b31.txt b/chunks/txt/2d904e648a0175c3089b127e5c98630d38d1e26daf75154899a7f7edc5783b31.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ea6fdc0435024d5c9a5ce1479fe74a545a7856c3
--- /dev/null
+++ b/chunks/txt/2d904e648a0175c3089b127e5c98630d38d1e26daf75154899a7f7edc5783b31.txt
@@ -0,0 +1,35 @@
+[Homeowners' Equity Remains High](/blog/statistics/homeowners-equity-remains-high) (8/31/2023)
+
+[What Types of Mortgages Do Fannie Mae and Freddie Mac Acquire?](/blog/statistics/what-types-of-mortgages-do-fannie-mae-and-freddie-mac-acquire) (4/14/2021)
+
+[Mortgage Performance During the COVID-19 Pandemic](/blog/statistics/mortgage-performance-during-the-covid-19-pandemic) (2/2/2021)
+
+**NMDB Staff Working Papers**
+
+[18-02: First-Time Homebuyer Counseling and the Mortgage Selection Experience](/research/papers/nmdb-wp1802) (3/14/2018)
+
+[18-01: Mortgage Experience of Rural Borrowers](/research/papers/nmdb-wp1801) (3/14/2018)
+
+**NSMO Symposium in Cityscape**
+
+[Link](https://www.huduser.gov/portal/periodicals/cityscpe/vol21num2/index.html) to *Cityscape*
+
+Sign up for email updates
+
+Leave this field blank
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [](https://www.facebook.com/FHFA)
+ - [](https://www.x.com/FHFA)
+ - [](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [](https://www.linkedin.com/company/fhfa/)
diff --git a/chunks/txt/2d95e5e13ae46552b72369882c5f19171c717dbcc77f68ee17c4932615cb0031.txt b/chunks/txt/2d95e5e13ae46552b72369882c5f19171c717dbcc77f68ee17c4932615cb0031.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9cfc78abc2d387a5cbee86c6e87586be0542b347
--- /dev/null
+++ b/chunks/txt/2d95e5e13ae46552b72369882c5f19171c717dbcc77f68ee17c4932615cb0031.txt
@@ -0,0 +1,34 @@
+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
+
+HDR-R
+
+2 COLUMN PAGE FORMAT
+
+TXC-NP
+
+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 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.) 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/2dc03e64fd4bedf1b6d9b701299fbf5433594c12af6d190b7f7799d66d8782b3.txt b/chunks/txt/2dc03e64fd4bedf1b6d9b701299fbf5433594c12af6d190b7f7799d66d8782b3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c09a7d86a3cb6c435f37fc420650b494437d775c
--- /dev/null
+++ b/chunks/txt/2dc03e64fd4bedf1b6d9b701299fbf5433594c12af6d190b7f7799d66d8782b3.txt
@@ -0,0 +1,81 @@
+Documentation Requirements
+
+In addition to the eligibility considerations described in this topic, the documentation requirements in the following table apply.
+
+Income Type and Eligible Income Sources
+
+Documentation Requirements
+
+All Employment Income
+
+Base Pay (salary or hourly)
+
+Tip, Bonus, and Overtime Income
+
+Verbal verification of employment (See Selling Guide B3-3.1-
+07, Verbal Verification of Employment, for additional
+requirements.)
+
+Note: Each borrower must complete and sign a separate IRS
+Form 4506-C at or before closing.
+
+One paystub or a completed Request for Verification of
+Employment (Form 1005).
+
+Applies to primary employment, secondary employment
+(second job and multiple jobs), and seasonal income.
+
+Commission Income
+
+One paystub or Form 1005 or one year personal tax return.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 185 of 166
+
+UAD 3.6 Policy
+
+Military Income
+
+Self-Employment
+
+Alimony, Child Support, or Separate Maintenance
+
+Employment-Related Assets as Qualifying Income
+
+Rental Income
+
+Retirement and Pension
+
+Social Security
+
+Temporary Leave Income
+
+All Other Income Types
+
+• Automobile Allowance
+
+• Boarder Income
+
+• Capital Gains Income
+
+• Disability Income - Long-Term
+
+•
+
+Employment Offers or Contracts
+
+A military Leave and Earnings Statement or a verification of
+employment.
+
+One year personal tax return.
+
+Applies to primary and secondary self-employment.
+
+Copy of divorce decree, separation agreement, court order or
+equivalent documentation, and one month documentation of
+receipt.
+
+Lender must obtain standard documentation for this type of
+income as described in Selling Guide B3-3.1-09, Other Sources
+of Income.
diff --git a/chunks/txt/2dc1a9cf6962f17dde6c790002d5207aa5f3b614adbb4cf99c6cb6d4ba0975db.txt b/chunks/txt/2dc1a9cf6962f17dde6c790002d5207aa5f3b614adbb4cf99c6cb6d4ba0975db.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c908c6de32e3862a5be510e541e139042848ef3a
--- /dev/null
+++ b/chunks/txt/2dc1a9cf6962f17dde6c790002d5207aa5f3b614adbb4cf99c6cb6d4ba0975db.txt
@@ -0,0 +1,5 @@
+record_id: 1700014050000 | year: 2017 | weight: 20 | state_fips_2010: 49 | state_fips_2020: NA | county_fips_2010: 49049 | county_fips_2020: NA | tract_fips_2010: 49049010112 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 2 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 425000 | sales_range_low: 345000 | updated_last_15_years: 1 | lot_size: 2 | quality: 3 | condition: 3 | bathrooms: 3 | bedrooms: 3 | gross_living_area: 6 | median_adjustment: -6083 | average_adjustment: -6480 | adjusted_price: 325000 | number_comparables: 2 | same_tract_percent: 100 | calculated_proximity: 0.3 | reported_proximity: 0.3 | value_sale_comparison: 325000 | value_cost: 335000 | value_income: NA | appraised_value: 325000 | appraisal_to_contract: NA | comparison_to_contract: NA
+record_id: 1700047591000 | year: 2017 | weight: 20 | state_fips_2010: 47 | state_fips_2020: NA | county_fips_2010: 47157 | county_fips_2020: NA | tract_fips_2010: 47157021351 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 1 | contract_price: 225000 | built_up: 1 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 1 | sales_range_high: 275000 | sales_range_low: 225000 | updated_last_15_years: 2 | lot_size: 3 | quality: 4 | condition: 4 | bathrooms: 3 | bedrooms: 3 | gross_living_area: 7 | median_adjustment: 9400 | average_adjustment: 2900 | adjusted_price: 235000 | number_comparables: 3 | same_tract_percent: 100 | calculated_proximity: 0.54 | reported_proximity: 0.54 | value_sale_comparison: 235000 | value_cost: NA | value_income: NA | appraised_value: 235000 | appraisal_to_contract: 104.6 | comparison_to_contract: 104.6
+record_id: 1700032223000 | year: 2017 | weight: 20 | state_fips_2010: 06 | state_fips_2020: NA | county_fips_2010: 06065 | county_fips_2020: NA | tract_fips_2010: 06065043313 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 1 | contract_price: 205000 | built_up: 2 | growth_rate: 3 | property_value_trend: 2 | demand_supply: 1 | marketing_time: 1 | sales_range_high: 235000 | sales_range_low: 175000 | updated_last_15_years: 1 | lot_size: 2 | quality: 3 | condition: 4 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 3 | median_adjustment: -1250 | average_adjustment: 1000 | adjusted_price: 205000 | number_comparables: 4 | same_tract_percent: 17 | calculated_proximity: 0.68 | reported_proximity: 0.4 | value_sale_comparison: 205000 | value_cost: 205000 | value_income: NA | appraised_value: 205000 | appraisal_to_contract: 100 | comparison_to_contract: 100
+record_id: 1700003600000 | year: 2017 | weight: 20 | state_fips_2010: 12 | state_fips_2020: NA | county_fips_2010: 12103 | county_fips_2020: NA | tract_fips_2010: 12103026500 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 3 | property_value_trend: 1 | demand_supply: 1 | marketing_time: 1 | sales_range_high: 125000 | sales_range_low: 115000 | updated_last_15_years: 2 | lot_size: 2 | quality: 4 | condition: 4 | bathrooms: 2 | bedrooms: 1 | gross_living_area: 1 | median_adjustment: -4950 | average_adjustment: -3583 | adjusted_price: 115000 | number_comparables: 4 | same_tract_percent: 17 | calculated_proximity: 1.16 | reported_proximity: 1.17 | value_sale_comparison: 115000 | value_cost: 105000 | value_income: NA | appraised_value: 115000 | appraisal_to_contract: NA | comparison_to_contract: NA
+record_id: 1700002645000 | year: 2017 | weight: 20 | state_fips_2010: 48 | state_fips_2020: NA | county_fips_2010: 48491 | county_fips_2020: NA | tract_fips_2010: 48491021202 | tract_fips_2020: NA | 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: NA | sales_range_low: NA | updated_last_15_years: 2 | lot_size: 2 | quality: 5 | condition: 1 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 2 | median_adjustment: -750 | ave
diff --git a/chunks/txt/2dc84a67ea762d05ddb58a9c108115c8d0bb2254aa9ff21a411ebbe3f821f070.txt b/chunks/txt/2dc84a67ea762d05ddb58a9c108115c8d0bb2254aa9ff21a411ebbe3f821f070.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a6913287f325a8729ca2b750c69ef3707371e5d0
--- /dev/null
+++ b/chunks/txt/2dc84a67ea762d05ddb58a9c108115c8d0bb2254aa9ff21a411ebbe3f821f070.txt
@@ -0,0 +1,179 @@
+Centralized
+
+NaturalGas
+
+ForcedWarmAir
+
+SumpPump
+
+true
+
+PropertyPhoto
+
+\\Images\Condo2_DwellingFront.jpg
+
+image/jpeg
+
+DwellingFront
+
+\\Images\Condo2_DwellingFront.jpg
+
+image/jpeg
+
+East
+
+PropertyAccess
+
+\\Images\Condo2_PropertyAccess1.jpg
+
+image/jpeg
+
+West
+
+PropertyAccess
+
+\\Images\Condo2_PropertyAccess2.jpg
+
+image/jpeg
+
+SalesComparableMap
+
+\\Images\Condo2_ComparableMap.jpg
+
+image/jpeg
+
+RentalComparableMap
+
+\\Images\Condo2_ComparableMap.jpg
+
+image/jpeg
+
+FloorPlan
+
+\\Images\Condo2_Floorplan.jpg
+
+image/jpeg
+
+Golf Course
+
+SiteInfluence
+
+\\Images\Condo2_GolfCourse.jpg
+
+image/jpeg
+
+Golf Course
+
+View
+
+\\Images\Condo2_GolfCourse.jpg
+
+image/jpeg
+
+Bonus Room
+
+NoncontinuousArea
+
+\\Images\Condo2_NoncontinuousArea.jpg
+
+image/jpeg
+
+DwellingRear
+
+\\Images\Condo2_DwellingRear.jpg
+
+image/jpeg
+
+Clubhouse
+
+ProjectAmenity
+
+\\Images\Condo2_Clubhouse.jpg
+
+image/jpeg
+
+Gated Community
+
+ProjectAmenity
+
+\\Images\Condo2_FrontGate.jpg
+
+image/jpeg
+
+Inground Pool
+
+ProjectAmenity
+
+\\Images\Condo2_IngroundPool.jpg
+
+image/jpeg
+
+NoInspection
+
+NoInspection
+
+26
+
+true
+
+26
+
+895000
+
+905000
+
+2018-05-16
+
+123456
+
+2018-04-20
+
+Pending
+
+Other
+
+Builder Or Developer
+
+25.165173
+
+-51.328125
+
+Pioneer Drive to the North, Bailey Road to the East, Military Road to the South, Radio Drive to the West.
+
+12
+
+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.
+
+8
+
+1450000
+
+550000
+
+44
+
+875000
+
+ActiveListings
+
+2
+
+PendingSales
+
+32
+
+1350000
+
+535000
+
+850000
+
+TotalSales
+
+UnderThreeMonths
+
+InBalance
+
+false
+
+The subject is located in a suburban area where there has not been a robust sales market for new construction within a golf community. To develop a reasonable price trend there was a need to go back 12 months to review enough activity to develop a market trend. The inventory remains low to moderate, and homes are selling in less than 60 days on average.
diff --git a/chunks/txt/2dd94ce1f77307312f64be00122b2894a1f847026a190e11c94cbf9a113176c6.txt b/chunks/txt/2dd94ce1f77307312f64be00122b2894a1f847026a190e11c94cbf9a113176c6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f9e8cb1d9c046f4ef0a11890729b72406c111734
--- /dev/null
+++ b/chunks/txt/2dd94ce1f77307312f64be00122b2894a1f847026a190e11c94cbf9a113176c6.txt
@@ -0,0 +1,21 @@
+22. I am aware that any disclosure or distribution of this appraisal report by me or 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.
+
+23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers,
+government sponsored enterprises, and other secondary market participants may rely on this appraisal report as part of any
+mortgage finance transaction that involves any one or more of these parties.
+
+24. 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.
+
+25. 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.
+
+SUPERVISORY APPRAISER’S CERTIFICATION: The Supervisory Appraiser certifies and agrees that:
+
+1. I directly supervised the appraiser for this appraisal assignment, have read the appraisal report, and agree with the appraiser’s
+analysis, opinions, statements, conclusions, and the appraiser’s certification.
diff --git a/chunks/txt/2dda7b9dc0913138ae72c832bff0a547f2c0611fd2c95fe8264b7f97a3da2bb9.txt b/chunks/txt/2dda7b9dc0913138ae72c832bff0a547f2c0611fd2c95fe8264b7f97a3da2bb9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..90fe7fa318383b9fc4d43fa93d5668706d22fddb
--- /dev/null
+++ b/chunks/txt/2dda7b9dc0913138ae72c832bff0a547f2c0611fd2c95fe8264b7f97a3da2bb9.txt
@@ -0,0 +1,48 @@
+A mechanized platform used for raising and lowering people or things from one level to another.
+
+A room, area, or structure specifically designed for exercise or other physical wellness activities.
+
+Gated Community
+
+A community that controls access either through an automated gate or staffed security point.
+
+Grounds Maintenance
+
+Upkeep and / or repair of all outdoor areas not associated with a structure or dwelling (e.g., lawn mowing, landscaping,
+fencing, gates, irrigation systems).
+
+Heating
+
+Inground Pool
+
+Inground Spa
+
+Note: Select this answer when the heating expenses for the unit are provided in common and included in the mandatory
+fees.
+
+A self-contained and manufactured area built into the ground and designed to be filled with water designated for
+swimming and other aquatic uses. Does not include pools built into a structure or above-ground pools.
+
+A structure built into the ground that typically contains hot aerated water and is used for recreational and wellness
+activities.
+Note: Water spas that are not inground would be identified using Other (Describe).
+
+Lobby
+
+A common room near the main entrance of a building.
+
+Ongoing Cleaning Services
+
+Cleaning services offered for the upkeep of the unit.
+Note: Choose this answer if regularly scheduled cleaning services are included in the mandatory fees.
+
+Outdoor Riding Ring
+
+An area open to the elements, typically surrounded with fencing, that is specifically designed for horse riding.
+
+Outdoor Shower
+
+Patio
+
+An area open to the elements designed to be used for personal cleaning through the use of flowing water and appropriate
+drainage.
diff --git a/chunks/txt/2ddebb2a0814c2fe80ca54cc17ee5891b680798fcb43f5b031b5ce93bdd043b6.txt b/chunks/txt/2ddebb2a0814c2fe80ca54cc17ee5891b680798fcb43f5b031b5ce93bdd043b6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..072b95277463bf8841721398456ab8374e3883d7
--- /dev/null
+++ b/chunks/txt/2ddebb2a0814c2fe80ca54cc17ee5891b680798fcb43f5b031b5ce93bdd043b6.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\/766","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/2dffcf76dbe9367db57e87d5d36b38c063d82af79866c3a868f2c67b8bef675d.txt b/chunks/txt/2dffcf76dbe9367db57e87d5d36b38c063d82af79866c3a868f2c67b8bef675d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ccd988c7e66a8170066e937653f3c339598a1e39
--- /dev/null
+++ b/chunks/txt/2dffcf76dbe9367db57e87d5d36b38c063d82af79866c3a868f2c67b8bef675d.txt
@@ -0,0 +1,116 @@
+/VALUATION_RESPONSE/PROPERTY/_LEGAL_DESCRIPTION[@_Type='
+Other' and @_TypeOtherDescription='LongLegal']/@_TextDescription
+
+/VALUATION_RESPONSE/PROPERTY/_IDENTIFICATION/PROPERTY_ID
+ENTIFICATION_EXTENSION/PROPERTY_IDENTIFICATION_EXTENSION
+_SECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/PROPERTY_IDENTIFICATION_EXTENSION_SECTION_DATA/
+PARCEL_IDENTIFIER/@GSEAssessorsParcelIdentifier
+
+16
+
+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/_TAX/@_YearIdentifier
+
+17
+
+SUBJECT
+
+R.E. Taxes $
+
+GSE Property Tax
+Total Tax Amount
+
+The total of all of the property's real estate
+taxes for this year excluding any special
+assessments, across all tax jurisdictions
+and authorities. This is the amount
+assessed for the tax year, not the amount
+paid.
+
+/VALUATION_RESPONSE/PROPERTY/_TAX/PROPERTY_TAX_EXTENSI
+ON/PROPERTY_TAX_EXTENSION_SECTION[@ExtensionSectionOrganizati
+onName='UNIFORM APPRAISAL
+DATASET']/PROPERTY_TAX_EXTENSION_SECTION_DATA/PROPERTY_
+TAX_AMOUNT/@GSEPropertyTaxTotalTaxAmount
+
+19
+
+1
+
+18
+
+SUBJECT
+
+Project Name
+
+Project Name
+
+The name of the project in which subject
+property is located (e.g., the name of the
+condominium or cooperative).
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/@_Name
+
+20
+
+21
+
+22
+
+23
+
+24
+
+1
+
+1
+
+1
+
+1
+
+1
+
+19
+
+SUBJECT
+
+Phase #
+
+Project Phase
+Identifier
+
+The current phase number of a multi-
+phase development project.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/@_PhaseIdentifier
+
+20
+
+21
+
+22
+
+23
+
+SUBJECT
+
+Map Reference
+
+SUBJECT
+
+Census Tract
+
+SUBJECT
+
+SUBJECT
diff --git a/chunks/txt/2e012e989c99423d2cfea3bc171bee4575da704a9904a82b24848c285c266c8a.txt b/chunks/txt/2e012e989c99423d2cfea3bc171bee4575da704a9904a82b24848c285c266c8a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f55394eab40cb886caa3566b1907b755a2fa83fa
--- /dev/null
+++ b/chunks/txt/2e012e989c99423d2cfea3bc171bee4575da704a9904a82b24848c285c266c8a.txt
@@ -0,0 +1,63 @@
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/CONDITION_DETAIL_EXTENSIO
+N/CONDITION_DETAIL_EXTENSION_SEC
+TION[@ExtensionSectionOrganizationName='U
+NIFORM APPRAISAL
+DATASET']/CONDITION_DETAIL_EXTENSI
+ON_SECTION_DATA/CONDITION_DETAIL
+[@_SequenceIdentifier='1..2']/@GSEImproveme
+ntAreaType
+
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/CONDITION_DETAIL_EXTENSIO
+N/CONDITION_DETAIL_EXTENSION_SEC
+TION[@ExtensionSectionOrganizationName='U
+NIFORM APPRAISAL
+DATASET']/CONDITION_DETAIL_EXTENSI
+ON_SECTION_DATA/CONDITION_DETAIL
+[@_SequenceIdentifier='1..2']/@GSEImproveme
+ntDescriptionType
+
+Allowable Values:
+C1
+C2
+C3
+C4
+C5
+C6
+
+2
+
+Enumerated
+
+Note: This data appears in more than one place for the subject (field 2-27) on
+the appraisal form and must be represented consistently.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+UAD Requirement - Refer to Appendix D Improvements Section
+The appraisal report must indicate whether any material work was completed
+on the kitchen or bathrooms of the residence within the last 15 years. If no
+such updates have occurred, this field must take a value of 'N' and the text “No
+updates in the prior 15 years” should print; otherwise this field must take a
+value of 'Y' and no corresponding text should print.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+1
+
+Boolean
+
+9
+
+Enumerated
+
+UAD Requirement - Refer to Appendix D Improvements Section
+This field must occur two times, and must take the following allowable values
+in the order presented:
+Kitchen
+Bathrooms
+
+This field is required if field e-10 (GSE
+Update Last Fifteen Year Indicator) has a
+value of 'Y'.
diff --git a/chunks/txt/2e13f4b33afb6c1c9dbb94a7b720ea42efaae75cb662f7741b04763fb56b822a.txt b/chunks/txt/2e13f4b33afb6c1c9dbb94a7b720ea42efaae75cb662f7741b04763fb56b822a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f333f586aae4b151234a077f627dcf31b7b9229c
--- /dev/null
+++ b/chunks/txt/2e13f4b33afb6c1c9dbb94a7b720ea42efaae75cb662f7741b04763fb56b822a.txt
@@ -0,0 +1,3 @@
+Overview ................................................................................................................................................................................................................................................ 298
+
+Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 299
diff --git a/chunks/txt/2e241e71071460ac0ac278c2ce53c0ea03674905aff860d0186a9075a0c68348.txt b/chunks/txt/2e241e71071460ac0ac278c2ce53c0ea03674905aff860d0186a9075a0c68348.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8506b5769689b322c1162c329711ef9b1fc0076c
--- /dev/null
+++ b/chunks/txt/2e241e71071460ac0ac278c2ce53c0ea03674905aff860d0186a9075a0c68348.txt
@@ -0,0 +1,431 @@
+.VALUATION_METHODS
+..SALES_COMPARISON
+...COMPARABLE_SALE
+
+UAD Consolidated Schema Matrix
+Appendix B: GSE Appraisal Forms Mapping
+
+1004/70
+
+1004
+Hybrid/
+70H
+
+1004
+Desktop/
+70D
+
+2055
+
+1073/465
+
+1073
+Hybrid/
+465H
+
+1073
+Desktop/
+465D
+
+1075/466
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+T
+
+CR
+
+T
+
+CR
+
+T
+
+CR
+
+T
+
+CR
+
+T
+
+CR
+
+T
+
+CR
+
+T
+
+CR
+
+T
+
+R/CR*
+
+R/CR*
+
+R/CR*
+
+R/CR*
+
+R/CR*
+
+R/CR*
+
+R/CR*
+
+R/CR*
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R/CR*
+
+R/CR*
+
+R/CR*
+
+R/CR*
+
+R/CR*
+
+R/CR*
+
+R/CR*
+
+R/CR*
+
+R
+
+CR
+
+CR
+
+CR
+
+CR
+
+R
+
+R
+
+R
+
+R
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+R
+
+R
+
+CR
+
+CR
+
+CR
+
+CR
+
+R
+
+R
+
+R
+
+R
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+R
+
+R
+
+CR
+
+CR
+
+CR
+
+CR
+
+R
+
+R
+
+R
+
+R
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+R
+
+R
+
+CR
+
+CR
+
+CR
+
+CR
+
+R
+
+R
+
+R
+
+R
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+R
+
+R
+
+CR
+
+CR
+
+CR
+
+CR
+
+R
+
+R
+
+R
+
+R
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+R
+
+R
+
+CR
+
+CR
+
+CR
+
+CR
+
+R
+
+R
+
+R
+
+R
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+R
+
+R
+
+CR
+
+CR
+
+CR
+
+CR
+
+R
+
+R
+
+R
+
+R
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+R
+
+R
+
+CR
+
+CR
+
+CR
+
+CR
+
+R
+
+R
+
+R
+
+R
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+R
+
+Page 24 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
+
+….COMPARISON_VIEW_OVERALL_RATING_EXTENSION
+.....COMPARISON_VIEW_OVERALL_RATING_EXTENSION_SECTION
+Extension Section Organization Name
+…...COMPARISON_VIEW_OVERALL_RATING_EXTENSION_SECTION_DATA
+…….COMPARISON_VIEW_OVERALL_RATING
+GSE View Overall Rating Type
+
+.VALUATION_METHODS
+..SALES_COMPARISON
+...COMPARABLE_SALE
+….COMPARISON_VIEW_DETAIL_EXTENSION
+.....COMPARISON_VIEW_DETAIL_EXTENSION_SECTION
+Extension Section Organization Name
+…...COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_DATA
+…….COMPARISON_VIEW_DETAIL
+Comparison View Detail Sequence Identifier
+GSE View Type
+GSE View Type Other Description
diff --git a/chunks/txt/2e32155cf8918dfa869f5a41dda0f2370bfaa266b2ca2d869e4c24720210269d.txt b/chunks/txt/2e32155cf8918dfa869f5a41dda0f2370bfaa266b2ca2d869e4c24720210269d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0f46928972ccb47308db40a72ec3d2843eca32a0
--- /dev/null
+++ b/chunks/txt/2e32155cf8918dfa869f5a41dda0f2370bfaa266b2ca2d869e4c24720210269d.txt
@@ -0,0 +1,51 @@
+For Enterprise multifamily data, the
+
+PUDB comprises a Census Tract File
+containing loan-level data that identifies
+the census tract location of the
+mortgaged properties; and a National
+File that does not identify the census
+tract or other geographic location of the
+mortgaged properties but contains
+property-level data and unit class-level
+data on all multifamily properties.
+
+All new HMDA data added to the
+PUDB starting in 2018 will be added to
+the Census Tract Files, as required by
+the Safety and Soundness Act. It will
+not be added to the National Files in
+order to preserve existing privacy and
+proprietary protections in these Files, as
+the data could increase the ability to
+link the National Files to the Census
+Tract Files.
+
+C. Proprietary Protections in the PUDB
+
+The Safety and Soundness Act
+provides generally that Enterprise
+proprietary data must be protected from
+public disclosure.16 However, the
+statute exempts certain types of data
+elements from proprietary protection,
+requiring their public disclosure subject
+only to borrower privacy protections.
+The exempted data elements are
+income, census tract location, race, and
+gender of single-family mortgagors, and
+all other HMDA data.17 Some data
+elements that were previously protected
+as proprietary in the PUDB are now
+
+12 See 60 FR 61846, 61875 (Dec. 1, 1995) (HUD
+final rule) (citing Senate Committee on Banking,
+Housing, and Urban Affairs, S. Rep. No. 282, 102d
+Cong., 2d Sess. at 39 (1992)).
+
+15 HUD Final Order—Proprietary Data Submitted
+
+by the Federal National Mortgage Association
+(Fannie Mae) and the Federal Home Loan Mortgage
+Corporation (Freddie Mac), 61 FR 54322, 54323
+(Oct. 17, 1996).
diff --git a/chunks/txt/2e409df0174389f562a920be1a9ec711f551fca7a859c4ee4b8a2b0248b43d48.txt b/chunks/txt/2e409df0174389f562a920be1a9ec711f551fca7a859c4ee4b8a2b0248b43d48.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f80701628bd72e7d98f33458cf92f90606656860
--- /dev/null
+++ b/chunks/txt/2e409df0174389f562a920be1a9ec711f551fca7a859c4ee4b8a2b0248b43d48.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/data/market-data"
+date_accessed: "2026-01-27T17:54:20.610Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/2e42f5af5a017e99b0dc312c95aedb07b949f0daf2eb7897ca4e5c9046170806.txt b/chunks/txt/2e42f5af5a017e99b0dc312c95aedb07b949f0daf2eb7897ca4e5c9046170806.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5ba35faa02df46b6d0c6153cdf71f9020a5b018f
--- /dev/null
+++ b/chunks/txt/2e42f5af5a017e99b0dc312c95aedb07b949f0daf2eb7897ca4e5c9046170806.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)
+ - Information Quality
+
+# Information Quality
+
+The Office of Management and Budget (OMB) issued government-wide information quality guidelines under section 515 of the Treasury and General Government Appropriations Act for Fiscal Year 2001. The OMB Section 515 Information Quality Guidelines have been prepared to ensure and maximize the quality, objectivity, utility and integrity of information disseminated by Federal agencies.
diff --git a/chunks/txt/2e49e7f8cb07bf612420abade820f4d0a4f93e8994f78f845ded20e0a71b69e4.txt b/chunks/txt/2e49e7f8cb07bf612420abade820f4d0a4f93e8994f78f845ded20e0a71b69e4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1f27593515390a3311c3a2abd3146e7cddcb64d9
--- /dev/null
+++ b/chunks/txt/2e49e7f8cb07bf612420abade820f4d0a4f93e8994f78f845ded20e0a71b69e4.txt
@@ -0,0 +1,89 @@
+/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
+
+Report Title
+Description
+
+Appraiser File
+Identifier
+
+Appraiser
+Additional File
+Identifier Name
+
+Appraiser
+Additional File
+Identifier
+
+Appraiser Name
+
+Appraiser Company
+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.
+
+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/@AppraiserFileIdentifier
+
+/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifierName
+
+/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
+
+10
+
+50
+
+50
+
+50
+
+50
+
+50
diff --git a/chunks/txt/2e5b35117981c0ff3ae8b5b87963051e04bda24b1121a7e972ddc32e81a4c94c.txt b/chunks/txt/2e5b35117981c0ff3ae8b5b87963051e04bda24b1121a7e972ddc32e81a4c94c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e3e0ec0e4ce74059c3e79880496d154d7ee84e5e
--- /dev/null
+++ b/chunks/txt/2e5b35117981c0ff3ae8b5b87963051e04bda24b1121a7e972ddc32e81a4c94c.txt
@@ -0,0 +1,84 @@
+10.211
+
+ClosingAdjustmentItemPaidOutsideOfClosingIndicator
+
+false
+
+UCD v2.0 Implementation Guide
+
+- 41 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Table 23. UCD v2.0 Excerpt – Closing Adjustment Data Requirements.
+
+UCD UID
+
+MISMO v3.3 Data Point
+
+Delivered Value
+
+Implementation Notes
+
+10.042
+
+ClosingAdjustmentItemType
+
+RelocationFunds
+
+10.162
+
+IntegratedDisclosureSectionType
+
+PaidAlreadyByOrOnBehalfOfBorr
+owerAtClosing
+
+10.163
+
+IntegratedDisclosureSubsectionType
+
+OtherCredits
+
+MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSING
+_INFORMATION/CLOSING_ADJUSTMENT_ITEMS/CLOSING_ADJUSTMENT_ITEM/CLOSING_ADJUSTMENT_ITEM_PAID_BY/LEGAL_ENTIT
+Y/LEGAL_ENTITY_DETAIL
+
+10.043
+
+FullName
+
+Acme
+
+Provide the name of the
+entity that paid the closing
+adjustment if not obvious.
+
+Figure 30. XML Snippet - Example of Closing Adjustment Items.
+
+
+…
+
+
+
+
+
+
+
+100.00
+ false
+ TenantSecurityDeposit
+ DueFromBorrowerAtClosing
+ Adjustments
+
+
+
+
+
+
+
+
+R. Jones
diff --git a/chunks/txt/2e5b9c7dc9f35beb573ee9238ef2beb3e5f0078b76ded338d7ee222ffa4b2e4f.txt b/chunks/txt/2e5b9c7dc9f35beb573ee9238ef2beb3e5f0078b76ded338d7ee222ffa4b2e4f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..08b0a5a4b9b3dd66aec28595898f965b617e9810
--- /dev/null
+++ b/chunks/txt/2e5b9c7dc9f35beb573ee9238ef2beb3e5f0078b76ded338d7ee222ffa4b2e4f.txt
@@ -0,0 +1,47 @@
+• General Loan Eligibility Criteria
+
+•
+
+Ineligible Manufactured Housing Criteria
+
+• Manufactured Housing Standards
+
+General Loan Eligibility Criteria
+
+Fannie Mae purchases loans secured by manufactured homes that meet the following general criteria:
+
+•
+
+first-lien mortgages only,
+
+•
+
+fully amortizing fixed-rate loans,
+
+•
+
+fully amortizing ARM loans with initial fixed-rate periods of 7 years or 10 years,
+
+• principal residence one-unit (single- and multi-section),
+
+• principal residence two- to four-unit (single- and multi-section), and
+
+•
+
+second home one-unit (multi-section only).
+
+Note: To comply with HUD’s Manufactured Home Construction and Safety Standards, two- to four-unit manufactured homes
+are required to be constructed on or after September 16, 2024.
+
+Refer to the Eligibility Matrix for additional restrictions and maximum allowable LTV, CLTV, and HCLTV ratios.
+
+A manufactured home may be located on an individual lot or in a condo or PUD project development, see Project Review
+Methods in B4-2.1-01, General Information on Project Standards for additional information. A manufactured home located on
+leased land and subject to a ground lease is only eligible if the manufactured home is owned (not leased) by the borrower and
+in a condo or PUD project approved by Fannie Mae's Project Eligibility Review Service (PERS), see B4-2.2-06, Project Eligibility
+Review Service (PERS).
+
+See B5-5.3-03, Shared Equity Transactions: Eligibility, Underwriting and Collateral Requirements when a manufactured home
+is subject to a community land trust.
+
+Ineligible Manufactured Housing Criteria
diff --git a/chunks/txt/2e62f770139332730c130938b2d80694d138e984366574ed15381cc2ac1a6d4d.txt b/chunks/txt/2e62f770139332730c130938b2d80694d138e984366574ed15381cc2ac1a6d4d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..db3601a7adecbf564c69593e70461d79651e3be3
--- /dev/null
+++ b/chunks/txt/2e62f770139332730c130938b2d80694d138e984366574ed15381cc2ac1a6d4d.txt
@@ -0,0 +1,105 @@
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N' and
+@SalesPriceTotalAdjustmentPositiveIndicator='N']
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@SalePriceTota
+lAdjustmentAmount
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@SalePriceTota
+lAdjustmentNetPercent
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@SalesPriceTot
+alAdjustmentGrossPercent
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@AdjustedSales
+PriceAmount
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/@_Comment
+
+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
+
+120
+
+INCOME
+
+Estimated Monthly Market Rent $
+
+Estimated Market
+Monthly Rent
+Amount
+
+The estimated dollar value of the market
+monthly rent for a living unit or residence.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/INCOME_ANALYSIS/
+@EstimatedMarketMonthlyRentAmount
+
+10
+
+20
+
+10
+
+20
+
+10
+
+1
+
+1
+
+9
+
+6
+
+6
+
+12
+
+4000
+
+12
+
+12
+
+Format
+
+Money
+
+String
+
+Money
+
+String
+
+Money
+
+Boolean
+
+Boolean
+
+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
diff --git a/chunks/txt/2e6707079a9a422f184d46078ff02482b05191b85f551e0f700b16c6cd3d2ad2.txt b/chunks/txt/2e6707079a9a422f184d46078ff02482b05191b85f551e0f700b16c6cd3d2ad2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..55d8b5d16889a26041f0e95443b33508c0b311c7
--- /dev/null
+++ b/chunks/txt/2e6707079a9a422f184d46078ff02482b05191b85f551e0f700b16c6cd3d2ad2.txt
@@ -0,0 +1,89 @@
+Summaries of Transactions
+
+(11.0 – 13.0)
+
+Payoffs and Payments
+
+25.0
+
+12.7 Rent from R. Jones
+
+12.7.1 $1,100.00
+
+To address
+
+the variety of scenarios when CLOSING_ADJUSTMENT_ITEM
+
+is used, UCD v2.0 presents
+CLOSING_ADJUSTMENT_ITEM data requirements consecutive “repeats” of CLOSING_ADJUSTMENT_ITEM. Table 23 shows
+the data points needed for a purchase transaction.
+
+Table 23. UCD v2.0 Excerpt – Closing Adjustment Data Requirements.
+
+UCD UID
+
+MISMO v3.3 Data Point
+
+Delivered Value
+
+Implementation Notes
+
+MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSING
+_INFORMATION/CLOSING_ADJUSTMENT_ITEMS/CLOSING_ADJUSTMENT_ITEM/CLOSING_ADJUSTMENT_ITEM_DETAIL
+
+10.014
+
+ClosingAdjustmentItemAmount
+
+100.00
+
+Must be > “0”
+
+10.263
+
+ClosingAdjustmentItemPaidOutsideOfClosingIndicator
+
+false
+
+10.140
+
+ClosingAdjustmentItemType
+
+TenantSecurityDeposit
+
+10.135
+
+IntegratedDisclosureSectionType
+
+DueFromBorrowerAtClosing
+
+10.143
+
+IntegratedDisclosureSubsectionType
+
+Adjustments
+
+MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSING
+_INFORMATION/CLOSING_ADJUSTMENT_ITEMS/CLOSING_ADJUSTMENT_ITEM/CLOSING_ADJUSTMENT_ITEM_PAID_BY/LEGAL_ENTIT
+Y/LEGAL_ENTITY_DETAIL
+
+10.386
+
+FullName
+
+R. Jones
+
+Provide the name of the
+entity that paid the closing
+adjustment if not obvious.
+
+MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/CLOSING
+_INFORMATION/CLOSING_ADJUSTMENT_ITEMS/CLOSING_ADJUSTMENT_ITEM/CLOSING_ADJUSTMENT_ITEM_DETAIL
+
+10.014
+
+ClosingAdjustmentItemAmount
+
+500.00
+
+Must be > “0”
diff --git a/chunks/txt/2e8cb7ccccb426d4516464ddcd4347ec06ebf28a697142950c15e3a9d9e0c51a.txt b/chunks/txt/2e8cb7ccccb426d4516464ddcd4347ec06ebf28a697142950c15e3a9d9e0c51a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..04000828eb5ddfef5d9090927901b84bd5df2d8d
--- /dev/null
+++ b/chunks/txt/2e8cb7ccccb426d4516464ddcd4347ec06ebf28a697142950c15e3a9d9e0c51a.txt
@@ -0,0 +1,35 @@
+Overview
+
+The primary purpose of the Implementation Guide (iGuide) is to provide designers of the new Restricted Appraisal Update Report with an
+understanding of the MISMO version 3.6 Reference Model (MISMO v3.6) and how the data will be displayed in a dynamic PDF document.
+
+This document serves as a guide to assist with data mapping, field formats, and the PDF representation of the report. It is not a comprehensive
+developer’s guide.
+
+In some sections, a table is used to define the fields in that section.
+
+• Report Field ID (FID): Red numbers super-imposed on the sample Restricted Appraisal Update Report.
+
+• Report Label: Name of the field as shown on the Restricted Appraisal Update Report.
+
+• Unique ID (UID): This column lists the unique number assigned to each instance of a MISMO data point.
+
+• MISMO Data Point Name: This column lists the MISMO data point for the associated data element.
+
+• Display Rules: Documents display rules associated with a given data element.
+
+Page 6
+
+The following typefaces and colors are used throughout this document:
+
+• URAR Section and Subsection Names are represented in bold, (e.g., Subject Property, Original Appraisal, Appraisal Update Commentary)
+
+• Report field labels are represented in italics (e.g., Physical Address, Effective Date, Borrower Name)
+
+• On Update Report excerpts, and when form fields are referenced, a red superimposed number identifies a Report Field ID, (e.g., FID: 01.004)
+
+Report PDF
+
+The Restricted Appraisal Update Report is a dynamic, data-driven, flexible report with sections (black tabs) that vary based on information contained in
+the report. See Appendix E – Report Style Guide, which includes specifications for the overall design elements that apply to all pages of the Restricted
+Appraisal Update Report.
diff --git a/chunks/txt/2ea4f7f9ccd0d976ded62ad8be64f24b4339f9df9f6aa651460d6c59dd39e157.txt b/chunks/txt/2ea4f7f9ccd0d976ded62ad8be64f24b4339f9df9f6aa651460d6c59dd39e157.txt
new file mode 100644
index 0000000000000000000000000000000000000000..53e10742b475f1513065a9c96ca8b343460e2482
--- /dev/null
+++ b/chunks/txt/2ea4f7f9ccd0d976ded62ad8be64f24b4339f9df9f6aa651460d6c59dd39e157.txt
@@ -0,0 +1,90 @@
+Monthly Amount
+Common Amenities/
+Services Included
+
+Utilities Included
+
+Observed Deficiencies
+
+$500
+
+Clubhouse
+Club Membership
+Gated Community
+Inground Pool
+Snow Removal
+Trash Removal
+None
+
+Yes No
+
+
+Appraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)
+
+Uniform Residential Appraisal Report
+
+Page 12 of 24
+Page 12 of 24
+
+Project Information (continued)
+
+Project Factors and Impact to Value/Marketability
+
+Project Factor
+Developer/Sponsor in Control
+
+Detail
+No
+
+Impact
+
+Comment
+
+Single Entity Ownership of Multiple
+Units
+
+Commercial Space
+
+Known Legal Actions
+
+Unit Transfer Fees
+
+Unit Special Assessments
+
+Unit Tax Abatements or Exemptions
+
+Greatest Number of Units Owned - 3
+
+Neutral
+
+3 units owned by developer are for sale.
+
+None
+
+None
+
+None
+
+None
+
+None
+
+Project Factors Commentary The Developer is not in control of the HOA. This appraiser’s research of the subject property and project did
+not indicate the presence of any known legal actions, tax abatements, or any tax exemptions of any manner.
+
+Project Information Commentary
+
+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.
+
+Project Information Exhibits
+
+Common Amenity or Service - Clubhouse
+
+Common Amenity or Service - Gated Community
+
+This is where the Clubhouse photo would display.
+
+This is where the Gated Community photo would display.
+
+Common Amenity or Service - Inground Pool
diff --git a/chunks/txt/2ea796bf89d08502906b63a3975111ae1f5fd7dc3aedb07bd1b68054124bb4be.txt b/chunks/txt/2ea796bf89d08502906b63a3975111ae1f5fd7dc3aedb07bd1b68054124bb4be.txt
new file mode 100644
index 0000000000000000000000000000000000000000..542e699983f68d7899dabbf08e6ecb28853a8fea
--- /dev/null
+++ b/chunks/txt/2ea796bf89d08502906b63a3975111ae1f5fd7dc3aedb07bd1b68054124bb4be.txt
@@ -0,0 +1,183 @@
+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
+
+439
+
+440
+
+441
+
+442
+
+443
+
+444
+
+445
+
+446
+
+447
+
+448
+
+449
+
+450
+
+451
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+e-24
+
+SALES
+COMPARISON
+APPROACH
+
+Rooms Below Grade
+(Line 2)
+
+GSE Below Grade
+Other Room Count
+
+The number of finished rooms other than
+recreation rooms, bedrooms, and
+bathrooms in the below grade space.
+
+/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/@GSEBelowGradeOtherRoomCount
+
+97
+
+98
+
+99
+
+100
+
+101
+
+102
+
+103
+
+104
+
+105
+
+106
+
+107
+
+108
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+Rooms Below Grade Adjustment
+(Line 2)
+
+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='BasementFinish']/@_Amount
+
+Functional Utility
+
+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.)
diff --git a/chunks/txt/2ec4963ab4b0788bb0022aed7b1c88a0576d6ecba60c66cdb5f4336fb920fff2.txt b/chunks/txt/2ec4963ab4b0788bb0022aed7b1c88a0576d6ecba60c66cdb5f4336fb920fff2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5c83b8b972e955fd33bd66d4e4e7f8bb9fb5f061
--- /dev/null
+++ b/chunks/txt/2ec4963ab4b0788bb0022aed7b1c88a0576d6ecba60c66cdb5f4336fb920fff2.txt
@@ -0,0 +1,100 @@
+Page 37
+
+Page 38
+
+Assignment Information: Contact Information – [Role]/[Role] - Client
+
+Report
+Field ID
+
+Report Label
+
+Unique ID
+
+MISMO Data Point Name
+
+08.008
+
+Company Name
+
+2400.0357
+
+FullName
+
+2400.0358
+
+2400.0359
+
+2400.0361
+
+2400.0360
+
+AddressLineText
+
+CityName
+
+StateCode
+
+PostalCode
+
+08.009
+
+Company Address
+
+Credentials
+
+8.010
+
+ID
+
+2400.0363
+
+LicenseIdentifier
+
+8.011
+
+State
+
+2400.0364
+
+LicenseIssuingAuthorityStateCode
+
+8.012
+
+Expires
+
+2400.0362
+
+LicenseExpirationDate
+
+Display Rules
+
+When PartyRoleType (UID: 2400.0367, FID: 08.006) = “Client”
+and PartyRoleType (UID: 2400.0365, FID: 08.007) is present …
+
+Always displays
+
+Always displays
+
+Always displays
+
+Always displays
+
+Always displays
+
+Display when provided for PartyRoleType (UID: 2400.0365,
+FID: 08.007) = “ManagementCompany”.
+- When not provided, do not display report label.
+Display when provided for PartyRoleType (UID: 2400.0365,
+FID: 08.007) = “ManagementCompany”.
+- When not provided, do not display report label.
+Display when provided for PartyRoleType (UID: 2400.0365,
+FID: 08.007) = “ManagementCompany”.
+- When not provided, do not display report label.
+
+When a given PARTY plays multiple roles (e.g., Lender is also the Client) both roles must be identified in the same instance of the PARTY container with
+multiple occurrences of the ROLE container. The specific role played by the party is captured in ROLE/ROLE_DETAIL/PartyRoleType. (Figure 08 - 3)
+
+• When Lender is also the Client, the instance of the PARTY container representing Lender must have two instances of the ROLE container.
+
+o The first instance identifies ROLE/ROLE_DETAIL/PartyRoleType = “Lender”
diff --git a/chunks/txt/2ed6830686cc1c4ba18549ea4837ad9a270514695fd7b4ec1021023873ce39f8.txt b/chunks/txt/2ed6830686cc1c4ba18549ea4837ad9a270514695fd7b4ec1021023873ce39f8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..42ab9e80a1cbdb8a31be4e1367987216d3bad176
--- /dev/null
+++ b/chunks/txt/2ed6830686cc1c4ba18549ea4837ad9a270514695fd7b4ec1021023873ce39f8.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/programs"
+date_accessed: "2026-01-27T17:54:20.347Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/2ef0c32dad897eaadb600a6ff3364442fe2d1b2eea56ff8cdf150144375fc165.txt b/chunks/txt/2ef0c32dad897eaadb600a6ff3364442fe2d1b2eea56ff8cdf150144375fc165.txt
new file mode 100644
index 0000000000000000000000000000000000000000..eee84279a74249c4814f790f311c829d0c4b85e4
--- /dev/null
+++ b/chunks/txt/2ef0c32dad897eaadb600a6ff3364442fe2d1b2eea56ff8cdf150144375fc165.txt
@@ -0,0 +1,40 @@
+Wire Instruction Reference Identifier
+
+Technology Service Providers (TSPs)
+
+As part of the Uniform Loan Delivery Dataset (ULDD) Phase 5 Fannie Mae implementation, the WireInstructionReferenceIdentifier
+(Wire Nickname) field has been added to the ULDD XML import file. WireInstructionReferenceIdentifier (SID 398.3) is for standard
+MBS Pools only and increases process efficiency for lenders who wish to include the information at import.
+
+WireInstructionReferenceIdentifier is not mandatory for import files; lenders will still be able to update the Wire Nickname in the
+Loan Delivery application as they do today.
+
+Testing & Availability
+
+The ability to import new data point SID 398.3 WireInstructionReferenceIdentifier (Wire Nickname) is available in the Loan
+Delivery Test Environment (LDTE).
+
+How to add a Mock Pool
+
+You will need to set up a Mock Pool Number to test the Wire Instruction Reference Identifier (Wire Nickname). To set up a mock
+pool follow these steps:
+
+•
+•
+•
+
+Select Pools from the Loan Delivery home page.
+Loan Delivery displays the Pool Management screen. Select Add Pool.
+The Pool Details screen is displayed. Enter Pool Detail Information. The Pool Number should be a number you can easily
+identify as mock/test. Once all relevant information is populated, click Save.
+
+Helpful tips:
+
+These are the only required fields to setup a mock pool in LDTE:
+
+• Pool Number: this can be any alphanumeric combination of your choice with numeric format nnnnnn or alphanumeric
+
+format xxnnnn.
+
+• Seller Number: select a value from the dropdown.
+• Delivery Date: select any business day within the issue month.
diff --git a/chunks/txt/2ef5e9dab0fbf605bee3e7e217f6caa1bb75c8b87509387ba5c98b9ae90c68ef.txt b/chunks/txt/2ef5e9dab0fbf605bee3e7e217f6caa1bb75c8b87509387ba5c98b9ae90c68ef.txt
new file mode 100644
index 0000000000000000000000000000000000000000..aa831b6f7c7a40ebb7775e88138cc2a7febb1c87
--- /dev/null
+++ b/chunks/txt/2ef5e9dab0fbf605bee3e7e217f6caa1bb75c8b87509387ba5c98b9ae90c68ef.txt
@@ -0,0 +1,221 @@
+4
+
+2 | 1
+
+$10,000
+
+$10,000
+
+2 | 2
+
+3,260 Sq. Ft.
+
+$(10,300)
+
+2,804 Sq. Ft.
+
+0 Sq. Ft.
+
+$26,000
+
+1,200 Sq. Ft.
+
+230 Sq. Ft.
+
+1,624 Sq. Ft.
+
+$(13,940)
+
+66 Sq. Ft.
+
+4
+
+$10,000
+
+4
+
+$10,000
+
+$5,000
+
+$7,900
+
+$2,000
+
+$1,640
+
+3 | 1
+
+2,816 Sq. Ft.
+
+$7,400
+
+1,328 Sq. Ft.
+
+148 Sq. Ft.
+
+$0
+
+$0
+
+Below Grade Exterior Access
+
+Walk Out
+
+Walk Up
+
+$2,000
+
+Walk Up
+
+$2,000
+
+Walk Out
+
+Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Exterior Quality and Condition
+
+Quality
+
+Exterior Walls and Trim
+
+Roof
+
+Condition
+
+Interior Quality and Condition
+
+Quality
+
+Condition
+
+Kitchen
+
+Overall Flooring
+
+Q4
+
+Vinyl
+
+Q4
+
+Vinyl
+
+Q4
+
+Vinyl
+
+Q4
+
+Vinyl
+
+Composition
+
+Composition
+
+Composition
+
+Composition
+
+C4
+
+Q4
+
+C4
+
+C4
+
+Q4
+
+C4
+
+C4
+
+Q4
+
+C4
+
+C4
+
+Q4
+
+C4
+
+Not Updated
+
+Not Updated
+
+Partially Updated
+
+Not Updated
+
+Not Updated
+
+Not Updated
+
+Not Updated
+
+Not Updated
+
+Appraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 15 of 21
+Page 15 of 21
+
+Sales Comparison Approach (continued)
+
+Property Address
+
+123 Falling Tree Ct
+Treeville, VA 12345
+
+241 Rapid Creek Ln
+Treeville, VA 12345
+
+188 Fallen Oak Ct
+Treeville, VA 12345
+
+210 Cannon Ball Rd
+Treeville, VA 12345
+
+Subject Property
+
+Comparable #1
+
+Comparable #2
+
+Comparable #3
+
+Overall Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Quality
+
+Condition
+
+Property Amenities
+
+Outdoor Living
+
+Water Features
+
+Miscellaneous
+
+Vehicle Storage
+
+Type | Spaces | Detail
+
+Summary
+
+List Price
+
+Contract Price
+
+Sale Price
+
+Net Adjustment Total
+
+Price Per Finished Area
+Above Grade
diff --git a/chunks/txt/2f00cc2aeda99a81621f7c4a1695de097e9e602e6e79d05f546963823c00ff43.txt b/chunks/txt/2f00cc2aeda99a81621f7c4a1695de097e9e602e6e79d05f546963823c00ff43.txt
new file mode 100644
index 0000000000000000000000000000000000000000..531c80cfa20be5a9b7f3e5543a16d76dbf1a343c
--- /dev/null
+++ b/chunks/txt/2f00cc2aeda99a81621f7c4a1695de097e9e602e6e79d05f546963823c00ff43.txt
@@ -0,0 +1,25 @@
+[]()
+
+- [Home](/)
+ - DU Validation Service Verification Report Vendors & Approved Vendor Tools
+
+Applications & Technology
+
+# DU Validation Service Verification Report Vendors & Approved Vendor Tools
+
+Simplify the Cycle
+
+##### Additional Resources
+
+- [DU Validation Service](/applications-technology/du-validation-service)
+ - [Interested in Becoming a Vendor?](/technology-integration/new-technology-service-providers)
+
+[]()
+
+Take advantage of the Desktop Underwriter® (DU®) validation service, which uses third-party data vendors to independently validate borrower income, employment, and asset data, providing our lenders with [Day 1 Certainty®](/applications-technology/day-1-certainty) on validated loan components. By digitally validating secure third-party data through DU, you can help eliminate the paper chase and help get your borrowers approved quickly. In addition, other approved vendor tools may provide relief from representations and warranties.
+
+Lenders may participate in the DU validation service through relationships with vendors of their choice if those vendors provide validation reports accepted by Fannie Mae. To mitigate the risk that Fannie Mae assumes by offering representation and warranty relief on validated loan components, we have a structured process and guidelines for determining eligible verification reports. However, vendors and other approved vendor tools are subject to lenders’ requirements and approval processes.
+
+*Updated April 2024*
+
+.basic-block img:not(.icon-quote){width: auto; max-width: none; min-height: 100px;} 
diff --git a/chunks/txt/2f0cb3c755ea14ef59212a66dd26809f8b647e73e5d4cd2fba17993dffb14d7e.txt b/chunks/txt/2f0cb3c755ea14ef59212a66dd26809f8b647e73e5d4cd2fba17993dffb14d7e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..652f0f8993f07e272fa0049414fa965e09bd0a51
--- /dev/null
+++ b/chunks/txt/2f0cb3c755ea14ef59212a66dd26809f8b647e73e5d4cd2fba17993dffb14d7e.txt
@@ -0,0 +1,19 @@
+This survey is jointly sponsored by the Federal Housing Finance Agency and the Consumer Financial Protection Bureau (CFPB), two Federal agencies that are working together to improve the safety and transparency of the lending process for all consumers.
+
+The responses to this survey will remain anonymous. The questionnaire does not ask you for any identifying information, so please do not identify yourself in any way on the envelope or the returned questionnaire. The code numbers on the survey are there to aid in the scanning process and to keep track of returned surveys.
+
+We greatly appreciate your effort to answer the questions and return the questionnaire. We thank you for your help with this important national survey.
+
+For those who have been selected to be a part of the survey, it can be completed online. Go to [www.ASMBsurvey.com](https://www.asmbsurvey.com/) and enter your personal PIN number that was included in the letter mailed to you.
+
+If you have any questions about this survey, please feel free to call us at 855-339-7877. We look forward to hearing from you.
+
+### Current Survey Cover Letter
+
+[Image
+
+](/sites/default/files/2024-09/ASMB_2024_Letter.pdf)[Survey Cover Letter](/sites/default/files/2024-09/ASMB_2024_Letter.pdf)
+
+### Related Documents
+
+[30-Day Notice of Submission of American Survey of Mortgage Borrowers (ASMB) Information Collection](/regulation/federal-register/pra-information-collection-notice/2024-n-7) (6/25/2024)
diff --git a/chunks/txt/2f12aed871aceafe260db0338163816847cb140dff7a9aaced5518ea6c0837e0.txt b/chunks/txt/2f12aed871aceafe260db0338163816847cb140dff7a9aaced5518ea6c0837e0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..588a9139d6ff4b5e70b1aa5bba0cd8a194ea4b9a
--- /dev/null
+++ b/chunks/txt/2f12aed871aceafe260db0338163816847cb140dff7a9aaced5518ea6c0837e0.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/news/speech"
+date_accessed: "2026-01-27T17:54:20.254Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/2f15ccee5d5fe0fcc3d3c625fffc63b80c7944f423da03978c5d47ae924825bc.txt b/chunks/txt/2f15ccee5d5fe0fcc3d3c625fffc63b80c7944f423da03978c5d47ae924825bc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c5486e729ac8691ae52990a3b4dcb670a3d6a64f
--- /dev/null
+++ b/chunks/txt/2f15ccee5d5fe0fcc3d3c625fffc63b80c7944f423da03978c5d47ae924825bc.txt
@@ -0,0 +1,54 @@
+
+
+
+
+
+
+
+
+
+
+
+
+500.00
+ false
+ Other
+ PrincipalReduction
+ DueFromBorrowerAtClosing
+ Adjustments
+
+
+
+
+
+
+2500.00
+
+UCD v2.0 Implementation Guide
+
+- 42 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Figure 30. XML Snippet - Example of Closing Adjustment Items.
+
+false
+ SellerCredit
+ PaidAlreadyByOrOnBehalfOfBorrowerAtClosing
+
+
+
+
+
+
+
+
+10000.00
+ false
+ ProceedsOfSubordinateLiens
+ PaidAlreadyByOrOnBehalfOfBorrowerAtClosing
+ OtherCredits
diff --git a/chunks/txt/2f1bc77e1899a81cb1ec4161342cb4b026706a337436e6b71c9d9deeb8ca879d.txt b/chunks/txt/2f1bc77e1899a81cb1ec4161342cb4b026706a337436e6b71c9d9deeb8ca879d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e54ad8ef75f0aab044e8bd2b671d16f6d4611317
--- /dev/null
+++ b/chunks/txt/2f1bc77e1899a81cb1ec4161342cb4b026706a337436e6b71c9d9deeb8ca879d.txt
@@ -0,0 +1,19 @@
+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 included a floor plan in this appraisal report, which shows the approximate dimensions of the
+improvements. The floor plan is included only to assist the reader in visualizing the property and understanding the
+appraiser’s determination of its size.
+
+3. The appraiser has relied on data provided by third parties in this appraisal report. Such data may include, but is not
+limited to, flood maps, multiple listing real estate services, tax assessment records, public land records, satellite imagery,
+virtual street views, property data services, surveys, engineering reports, and property data aggregations. After examination
+of the data and data sources, the appraiser has used only the data he or she considers reliable. The appraiser assumes
+there are no material omissions and makes no guarantees, express or implied, regarding the accuracy of this data.
+
+4. The appraiser will not 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.
diff --git a/chunks/txt/2f1c4099e20b11fe42997fc8fb0243b321365bf3afd5a4c04cb97635450faa13.txt b/chunks/txt/2f1c4099e20b11fe42997fc8fb0243b321365bf3afd5a4c04cb97635450faa13.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bbe68ab3eaf6086b17129073089e0940ce491b7c
--- /dev/null
+++ b/chunks/txt/2f1c4099e20b11fe42997fc8fb0243b321365bf3afd5a4c04cb97635450faa13.txt
@@ -0,0 +1,133 @@
+Binned into 8
+categories.
+
+Sales Comparison
+Approach
+
+'1' = Less than
+1,250 sq. ft.
+'2' = 1,250 to
+1,499 sq. ft.
+'3' = 1,500 to
+1,749 sq. ft.
+'4' = 1,750 to
+1,999 sq. ft.
+'5' = 2,000 to
+2,249 sq. ft.
+'6' = 2,250 to
+2,499 sq. ft.
+
+Federal Housing Finance Agency
+
+9
+
+UAD PUF Version 2.1 Data Dictionary
+
+Field Name
+
+Short Description
+
+Definition
+
+Format
+
+median_adjustment
+
+Median Net Adjustments
+of All Comps
+
+Numeric
+
+The median dollar value of
+appraiser-applied adjustments
+to all comparable sales prices in
+the Sales Comparison
+Approach.
+
+Allowable
+Values
+
+'7' = 2,500 to
+2,999 sq. ft.
+'8' = 3,000 or
+more sq. ft.
+'9' = Missing
+
+$-250,000 to
+$250,000
+
+average_adjustment
+
+Average Net Adjustments
+of All Comps
+
+The average dollar value of
+appraiser-applied adjustments
+to all comparable sales prices in
+the Sales Comparison
+Approach.
+
+Numeric
+
+$-250,000 to
+$250,000
+
+Federal Housing Finance Agency
+
+Disclosure
+Avoidance
+Method
+
+Appraisal Form
+Section
+
+Notes
+
+Sales Comparison
+Approach
+(Derived Field)
+
+Comparison
+Approach
+(Derived Field)
+
+Top coded to
+$250k for high-
+cost areas and
+$100k for non-
+high-cost areas;
+bottom coded to
+-$250k for high-
+cost areas and -
+$100k for non-
+high-cost areas;
+can be positive
+or negative;
+rounded to
+nearest $1.
+
+Top coded to
+$250k for high-
+cost areas and
+$100k for non-
+high-cost areas;
+bottom coded to
+-$250k for high-
+cost areas and -
+$100k for non-
+
+This data field
+represents the
+median of the total
+net adjustments
+made to the sale
+prices of all the
+comparable
+properties. An
+adjustment is a
+change to the sale
+price of a
+comparable property
+to make it equivalent
+to the subject
+property.
diff --git a/chunks/txt/2f27f1d755dc698a293b9cfc025b89d444c78d05fd52cb9af4ecfb47f5a7b7f2.txt b/chunks/txt/2f27f1d755dc698a293b9cfc025b89d444c78d05fd52cb9af4ecfb47f5a7b7f2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..35112b49faef6f348200e9ac1891716c297c2cbc
--- /dev/null
+++ b/chunks/txt/2f27f1d755dc698a293b9cfc025b89d444c78d05fd52cb9af4ecfb47f5a7b7f2.txt
@@ -0,0 +1,111 @@
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_E
+XTENSION/STRUCTURE_EXTENSION_SECTION[@ExtensionSection
+OrganizationName='UNIFORM APPRAISAL
+DATASET']/STRUCTURE_EXTENSION_SECTION_DATA/STRUCTUR
+E_INFORMATION/@GSEStoriesCount
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@AttachmentTyp
+e='Detached']
+
+12
+
+Enumerated
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@AttachmentTyp
+e='Attached']
+
+12
+
+Enumerated
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@AttachmentTyp
+e='SemiDetached']
+
+12
+
+Enumerated
+
+142
+
+IMPROVEMENTS Existing
+
+Building Status
+Type
+
+Specifies the physical status of the
+structure.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@BuildingStatus
+Type='Existing']
+
+17
+
+Enumerated
+
+143
+
+IMPROVEMENTS Proposed
+
+Building Status
+Type
+
+Specifies the physical status of the
+structure.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@BuildingStatus
+Type='Proposed']
+
+17
+
+Enumerated
+
+35
+
+35
+
+1
+
+1
+
+4
+
+String
+
+String
+
+Boolean
+
+Boolean
+
+Numeric
+
+UAD Requirement - Refer to Appendix D Improvements Section
+
+PDF Display Format:
+Numeric, to two decimal places: 1.25
+
+At least one of 1-128, 129,130,131,132. and 1-
+33 should be populated.
+
+At least one of 1-128, 129,130,131,132. and 1-
+33 should be populated.
+
+At least one of 1-128, 129,130,131,132. and 1-
+33 should be populated.
+
+At least one of 1-128, 129,130,131,132. and 1-
+33 should be populated.
+
+At least one of 1-128, 129,130,131,132. and 1-
+33 should be populated. If one 1-133 is
+populated 1-134 should be populated.
+
+If 1-133 is indicated this field should be
+populated.
+
+One and only one of fields 1-136, 1-137 (values
+of Structure Accessory Unit Exists Indicator)
+should be indicated.
+One and only one of fields 1-136, 1-137 (values
+of Structure Accessory Unit Exists Indicator)
+should be indicated.
diff --git a/chunks/txt/2f29ad2d33f2a61535b12995bc67cd96aaf7ff6a0242881678fe3f8329f95243.txt b/chunks/txt/2f29ad2d33f2a61535b12995bc67cd96aaf7ff6a0242881678fe3f8329f95243.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7b37bff2d758e2f77413017ce27215d446330c7a
--- /dev/null
+++ b/chunks/txt/2f29ad2d33f2a61535b12995bc67cd96aaf7ff6a0242881678fe3f8329f95243.txt
@@ -0,0 +1,61 @@
+/VALUATION_RESPONSE/REPORT/@AppraisalPurposeTypeOtherDescription
+
+4000
+
+/VALUATION_RESPONSE/PARTIES/LENDER/@_UnparsedName
+
+/VALUATION_RESPONSE/PARTIES/LENDER/@AppraisalFormsUnparsedAd
+dress
+
+String
+
+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.
+
+If the value of field 1-26 (Project Per
+Unit Fee Amount) is greater than zero,
+one and only one of fields 1-27, 1-28
+(values of Project Per Unit Fee Period
+Type) must be indicated.
+
+If the value of field 1-26 (Project Per
+Unit Fee Amount) is greater than zero,
+one and only one of fields 1-27, 1-28
+(values of Project Per Unit Fee Period
+Type) must be indicated.
+
+One and only one of fields 1-29, 1-30,
+1-31 (values of Property Rights Type)
+should be indicated.
+One and only one of fields 1-29, 1-30,
+1-31 (values of Property Rights Type)
+should be indicated.
+One and only one of fields 1-29, 1-30,
+1-31 (values of Property Rights Type)
+should be indicated.
+This field should be populated if field 1-
+31 (Property Rights Type = 'Other') is
+indicated.
+One and only one of fields 1-33, 1-34,
+1-35 (Values of Appraisal Purpose
+Type) must be indicated.
+One and only one of fields 1-33, 1-34,
+1-35 (Values of Appraisal Purpose
+Type) must be indicated.
+One and only one of fields 1-33, 1-34,
+1-35 (Values of Appraisal Purpose
+Type) must be indicated.
+This field is required if field 1-35
+(Appraisal Purpose Type = 'Other') is
+indicated.
diff --git a/chunks/txt/2f372bc2b965d574c72efc081d183bf01f4fc69c62b19846fb800f8fa96fbd6b.txt b/chunks/txt/2f372bc2b965d574c72efc081d183bf01f4fc69c62b19846fb800f8fa96fbd6b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5dec754707db5c5c269f00800e7c4dfbfe53e757
--- /dev/null
+++ b/chunks/txt/2f372bc2b965d574c72efc081d183bf01f4fc69c62b19846fb800f8fa96fbd6b.txt
@@ -0,0 +1,175 @@
+Grammy Gold
+
+Site Influence (Location)
+
+Gated Community
+| Golf Course
+
+Ducks on
+the Pond
+
+Gated
+Community |
+Golf Course
+
+$0
+
+$0
+
+No
+
+12,950 Sq. Ft.
+
+Timberwolf
+Hollow
+
+No
+
+$0
+
+$0
+
+14,300 Sq. Ft.
+
+Grammy Gold
+
+$0
+
+Park | Residential
+
+$8,500
+
+Gated
+Community |
+Golf Course
+
+View | Range
+
+Dwelling(s)
+
+Year Built
+
+Noncontinuous
+Finished Area
+
+Disaster Mitigation
+
+Golf Course | Full
+Residential | Full
+
+Golf Course | Full
+Residential | Full
+
+Pond | Full
+Residential | Full
+
+$0 Golf Course | Full
+Residential | Full
+
+2018
+
+2017
+
+$0
+
+2018
+
+2018
+
+360 Sq. Ft.
+
+0 Sq. Ft.
+
+$9,000
+
+0 Sq. Ft.
+
+$9,000
+
+360 Sq. Ft.
+
+Impact Resistant Glass |
+Impact Resistant Shingles
+
+Impact Resistant
+Glass | Impact
+Resistant
+Shingles
+
+Forced Warm Air
+| Natural Gas
+
+Impact Resistant
+Glass
+
+$3,000
+
+Forced Warm Air
+| Natural Gas
+
+Impact Resistant
+Glass | Impact
+Resistant
+Shingles
+
+Forced Warm Air
+| Natural Gas
+
+Heating
+
+Forced Warm Air | Natural Gas
+
+Energy Efficient and Green Features
+
+Building Certification
+
+LEED Gold
+
+LEED Gold
+
+LEED Gold
+
+LEED Gold
+
+Appraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)
+
+Uniform Residential Appraisal Report
+
+Page 15 of 24
+Page 15 of 24
+
+Sales Comparison Approach (continued)
+
+Property Address
+
+Unit(s)
+
+Levels in Unit
+
+Bedrooms
+
+Baths - Full | Half
+
+Finished Area Above Grade
+
+Finished Area Below Grade
+
+Unfinished Area
+Below Grade
+
+Subject Property
+
+Comparable #1
+
+Comparable #2
+
+Comparable #3
+
+8675309 Jenny Ln
+Anytown, IL 54321
+
+44828 Jane Ln
+Anytown, IL 54321
+
+28200 Mary Ln
+Anytown, IL 54321
diff --git a/chunks/txt/2f4698db22ec8461d1a9bd713b32661ac3d4cc0fc22de9d140c111f9e4beb4d4.txt b/chunks/txt/2f4698db22ec8461d1a9bd713b32661ac3d4cc0fc22de9d140c111f9e4beb4d4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f2e9201423082a82068251ae29124fe4c0f7ac45
--- /dev/null
+++ b/chunks/txt/2f4698db22ec8461d1a9bd713b32661ac3d4cc0fc22de9d140c111f9e4beb4d4.txt
@@ -0,0 +1,9 @@
+## Race and Ethnicity
+
+The Enterprises define race and ethnicity using non-mutually exclusive definitions and applications are counted with each race or ethnicity reported by a borrower or co-borrower. For example, if there are two borrowers on a mortgage, one of whom identifies as Black and one as Asian, the loan information would be counted in both Black and Asian borrower categories. The exception is that white borrowers include only those reported as non-Hispanic white and no other race. Borrowers with missing race and ethnicity information are excluded from the population when calculating the proportion of loan acquisitions.
+
+For race and ethnicity categories, FHFA’s Division of Public Interest Examinations and Office of Fair Lending Oversight uses the following naming conventions: “White” refers to Non-Hispanic white applicants or borrowers; “Black” refers to African American or Black borrowers; “Latino” refers to Hispanic or Latino borrowers of any race; “American Indian” refers to American Indian or Alaska Native borrowers (AIAN); “Pacific Islander” refers to Native Hawaiian or Pacific Islander borrowers; “Asian” refers to Asian borrowers.
+
+## AUS Data
+
+The underlying data consist of application data for each Enterprise's Automated Underwriting System (AUS) that have been transmitted to FHFA. Fannie Mae uses Desktop Underwriter (DU), and Freddie Mac uses Loan Product Advisor (LPA) as their respective AUS system. The data represent the AUS recommendation for the last transaction submitted to the AUS, excluding applications that were not scorable, applications for FHA/VA loans, and applications identified as test cases.
diff --git a/chunks/txt/2f6ec69414cc297e3a15e2c15239dbac87635ffd3e5d70f1c5d5bd18ec720097.txt b/chunks/txt/2f6ec69414cc297e3a15e2c15239dbac87635ffd3e5d70f1c5d5bd18ec720097.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0e8e3651c751eef08bb90d95183693df182b4cc8
--- /dev/null
+++ b/chunks/txt/2f6ec69414cc297e3a15e2c15239dbac87635ffd3e5d70f1c5d5bd18ec720097.txt
@@ -0,0 +1,52 @@
+Additional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser Certifications.
+1. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this
+assignment.
+
+Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 30 of 30
+Page 30 of 30
+
+Certifications (continued)
+
+Signature
+
+Appraiser
+Annie Appraiser
+Annie Appraiser
+
+Supervisory Appraiser
+Arthur Appraiser
+Arthur Appraiser
+
+09/25/2019
+
+Date of Signature and Report
+
+09/25/2019
+
+Date of Signature and Report
+
+Level
+ID
+State
+Expires
+
+Level
+ID
+State
+Expires
+
+Licensed Residential
+9898989898-000034
+VA
+01/31/2020
+
+Certified Residential
+9898989898-000299
+VA
+02/28/2020
+
+Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024
diff --git a/chunks/txt/2f7766167dc948218ec5142e411bab04956e158028da70cb7c3216ebef4b3a33.txt b/chunks/txt/2f7766167dc948218ec5142e411bab04956e158028da70cb7c3216ebef4b3a33.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f9e7ee4ed671e57d02048608d0909e4343c3eaf0
--- /dev/null
+++ b/chunks/txt/2f7766167dc948218ec5142e411bab04956e158028da70cb7c3216ebef4b3a33.txt
@@ -0,0 +1,53 @@
+II. Summary of Order’s Revisions to
+Single-Family and Multifamily
+Matrices in PUDB
+
+FHFA has adopted the Order below
+which revises the PUDB single-family
+matrix to incorporate a new National
+File C containing new data fields
+applicable to 2010 and subsequent years
+for the single-family high-cost
+securitized loans purchased and
+securitized by the Enterprises.
+Specifically, National File C contains
+the following data fields related to the
+section 1324(b)(6) high-cost securitized
+loan characteristics: Purchase Price;
+Loan-to-Value Ratio (LTV) at
+Origination (also released in National
+File A); Product Type; Term of Mortgage
+at Origination; Amortization Term;
+Interest Rate at Origination; Credit
+Score; Portfolio Flag; and Percent
+Repurchased. In addition, National File
+C includes the following other relevant
+data fields also released in mortgage-
+level National File A: Enterprise Flag;
+Loan Number; 2000 Census Tract—
+Percent Minority; Tract Income Ratio;
+Borrower Income Ratio; Purpose of
+Loan; and Federal Guarantee. A more
+detailed discussion of National File C is
+contained in Section III. below.
+In addition, the Order makes
+
+technical changes to the single-family
+and multifamily data matrices of the
+PUDB applicable to 2010 and
+subsequent years to conform the data
+fields to existing PUDB data reporting
+practices and HERA changes.
+
+Both the Order and Appendix
+
+containing the revised single-family and
+multifamily matrices are set forth at the
+end of this Notice of Order. PUDB Data
+Dictionaries that further describe the
+revised single-family PUDB files and the
+new National File C, along with the
+revised multifamily PUDB files, will be
+made available on FHFA’s public Web
+site at http://www.fhfa.gov/
+Default.aspx?Page=137.
diff --git a/chunks/txt/2f7a5f2f3cd165510f93248e8730a8916e0780a32b474e024e4691a04cb434ab.txt b/chunks/txt/2f7a5f2f3cd165510f93248e8730a8916e0780a32b474e024e4691a04cb434ab.txt
new file mode 100644
index 0000000000000000000000000000000000000000..70a67b43a6ba81be94446926da57128fc5fc9f53
--- /dev/null
+++ b/chunks/txt/2f7a5f2f3cd165510f93248e8730a8916e0780a32b474e024e4691a04cb434ab.txt
@@ -0,0 +1,290 @@
+T
+
+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
+
+T
+
+T
+
+T
+
+CR
+
+CR
+
+CR
+
+CR
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+T
+T
+
+CR
+
+CR
+
+CR
+
+CR
+
+R
+T
+T
+T
+T
+T
+N/A
+
+N/A
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+T
+T
+
+CR
+
+CR
+
+CR
+
+CR
+
+R
+T
+T
+T
+T
+T
+N/A
+
+N/A
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+T
+T
+
+CR
+
+CR
+
+CR
+
+CR
+
+R
+T
+T
+T
+T
+T
+N/A
+
+N/A
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+T
+T
+
+CR
+
+CR
+
+CR
+
+CR
+
+R
+T
+T
+T
+T
+T
+N/A
+
+N/A
+
+T
+
+UAD Consolidated Schema Matrix
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 14 of 211
+
+Document Version 1.4
+
+MISMO Data Point Name
+
+Project Conversion Date**
+
+Project Classification Type**
+
+Project Design Type**
+
+Project Developer Controls Project Management Indicator**
+
+Elevator Count
+
+Data Source Description
+
+Commercial Space Description
+
+Project Phase Identifier**
+
+Project Management Agent Name**
+
+Project Design Type Other Description**
+
+Project Conversion Original Use Description**
+
+Project Concentrated Ownership Description**
+
+Project Condition and Quality Description**
+
+Project Commercial Space Indicator**
+
+Project Concentrated Ownership Indicator**
+
+Project Management Type**
+
+Project Management Type Other Description**
+
+Project Primary Occupancy Type**
+
+.PROPERTY
+..PROJECT
+...DEVELOPMENT_STAGE
+Development Stage Total Phases Count**
+
+Data Source Description
+
+Planned Units Count
+
+Units for Sale Count
+
+Units Sold Count
+
+Units Rented Count
+
+Development Stage Type**
+
+Completed Units Count
+
+Owner Occupied Unit Count
+
+.PROPERTY
+..PROJECT
+...PROJECT_CAR_STORAGE
+Project Car Storage Adequacy Effect On Marketability Description**
+
+Project Car Storage Description**
+
+Project Car Storage Spaces To Units Ratio Number**
diff --git a/chunks/txt/2f8115fd660158da3de3968b465907e6c38473f68128d85ba8302d196b649688.txt b/chunks/txt/2f8115fd660158da3de3968b465907e6c38473f68128d85ba8302d196b649688.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d680ecbc3a13968ac591c68a7bc4cf429ebfcd1c
--- /dev/null
+++ b/chunks/txt/2f8115fd660158da3de3968b465907e6c38473f68128d85ba8302d196b649688.txt
@@ -0,0 +1,95 @@
+Page 8 of 22
+
+Unit Interior - Primary Dwelling (continued)
+
+Unit Interior Exhibits
+
+Level 1 - Bath - Full - Bath 1
+
+Level 1 - Bath - Half
+
+This is where the 1st Full Bathroom photo would display.
+
+This is where the Half Bathroom photo would display.
+
+Level 1 - Bedroom - Bedroom 1
+
+Level 1 - Kitchen
+
+This is where the 1st Bedroom photo would display.
+
+This is where the Kitchen photo would display.
+
+Level 2 - Bath - Full - Bath 2
+
+Level 2 - Bath - Full - Bath 3
+
+This is where the 2nd Full Bathroom photo would display.
+
+This is where the 3rd Full Bathroom photo would display.
+
+Level 2 - Bedroom - Bedroom 2
+
+Level 2 - Bedroom - Bedroom 3
+
+This is where the 2nd Bedroom photo would display.
+
+This is where the 3rd Bedroom photo would display.
+
+Appraisal Version #1Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123
+
+Uniform Residential Appraisal Report
+
+Page 9 of 22
+
+Unit Interior - Primary Dwelling (continued)
+
+Level 2 - Bedroom - Bedroom 4
+
+Level 2 - Bedroom - Bedroom 5
+
+This is where the 4th Bedroom photo would display.
+
+This is where the 5th Bedroom photo would display.
+
+Unit Interior - ADU
+
+Area Breakdown
+
+Finished Above Grade
+Unfinished Above Grade
+Finished Below Grade
+Unfinished Below Grade
+
+Area Data Source
+
+ADU
+
+Legally Rentable
+Data Source
+Typical for Market
+Ingress/Egress
+Separate Postal Address
+
+Level and Room Detail
+
+Level in Unit
+Level B1
+
+Quality and Condition
+
+Levels in Unit
+Floor Number
+Occupancy
+Utilities Separately Metered
+Total Bedrooms
+Total Bathrooms - Full
+Total Bathrooms - Half
+
+1
+Below Grade
+Vacant
+No
+1
+1
+0
diff --git a/chunks/txt/2f86161d5aba30e63f2b4c6632c14debff22e840430de81ae4248af6641042a4.txt b/chunks/txt/2f86161d5aba30e63f2b4c6632c14debff22e840430de81ae4248af6641042a4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5d1766ffdb7b4ee29ad9a37b14591da47f8b2ad5
--- /dev/null
+++ b/chunks/txt/2f86161d5aba30e63f2b4c6632c14debff22e840430de81ae4248af6641042a4.txt
@@ -0,0 +1,53 @@
+Page 48 of 76
+
+Section IV. Using the MISMO V3.0 Reference Model
+
+Example IV-10. USE OF RATE_OR_PAYMENT_CHANGE_OCCURRENCE for
+an ARM.
+
+This loan, closed on January 15, 2010, has a 5-year initial fixed interest rate. The
+Bank of Anytown delivered the mortgage to a GSE on January 25, 2010.
+
+Data Point
+
+Definition
+
+NextRateAdjustmentE
+ffectiveDate
+
+The date on which the next interest rate
+adjustment goes into effect.
+
+Valid Value
+
+2015-02-01
+
+Notes: The loan is still in its initial fixed rate period when it is delivered to the
+GSE. Therefore, the NextRateAdjustmentEffectiveDate is the
+PerChangeRateAdjustmentEffectiveDate of the First
+INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE, the beginning of the
+initial adjustment period.
+
+I. Container-Specific Concepts: PARTY
+
+There must be a separate PARTY container for each party for whom information is required
+by ULDDS Appendix A. Because many entities and individuals play a role in the loan
+origination, servicing, and delivery processes, multiple PARTY containers will be delivered
+for each DEAL—for example, Borrower, Appraiser, Appraiser Supervisor, Loan
+Originator, and Loan Origination Company. If there is a Primary Borrower and a Co-
+Borrower, a separate PARTY container must be sent for each of them.
+
+1. The Importance of PartyRoleType
+
+a. Identifies the Entity Represented by PARTY
+
+Just as LoanStateType is critical to the interpretation of data in the LOAN container,
+so PartyRoleType, within the ROLE_DETAIL container, identifies the entity about
+which all the data in a given instance of PARTY pertains.
+
+Note that while the MISMO V3.0 Reference Model permits business partners to
+identify multiple roles for a given party, ULDDS Appendix A limits the use of
+PartyRoleType to one per PARTY. This is the simplest possible implementation of
+the PARTY container and avoids the need to use XLink to establish relationships
+within the PARTY container between a Party’s roles and detailed data about each
+role.
diff --git a/chunks/txt/2f86810f7da71eb7d7b04cbe8d4f5b92d4558e7ca850d3901006a26252db8692.txt b/chunks/txt/2f86810f7da71eb7d7b04cbe8d4f5b92d4558e7ca850d3901006a26252db8692.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bab64869acd07ed3c425b17c892215910132963c
--- /dev/null
+++ b/chunks/txt/2f86810f7da71eb7d7b04cbe8d4f5b92d4558e7ca850d3901006a26252db8692.txt
@@ -0,0 +1,22 @@
+1. Column Headings - Year Ranges ...........................................................................................................................................80
+2. Payment Ranges ....................................................................................................................................................................81
+5.2 Principal & Interest.................................................................................................................................................................. 83
+1. P&I Payment Does Not increase...........................................................................................................................................83
+2. P&I Payment Increases .........................................................................................................................................................84
+5.3 Mortgage Insurance ................................................................................................................................................................ 90
+1. MI Required ...........................................................................................................................................................................90
+2. MI Not Required ....................................................................................................................................................................91
+5.4 Estimated Escrow .................................................................................................................................................................... 92
+1. Escrow Account Exists ...........................................................................................................................................................93
+2. Escrow Account Does Not Exist ............................................................................................................................................94
+5.5. Estimated Total Monthly Payment ....................................................................................................................................... 95
+1. One Payment per Year Range...............................................................................................................................................95
+2. Payment Range within a Year Range ...................................................................................................................................95
+5.6 Estimated Taxes, Insurance & Assessments.......................................................................................................................... 97
+5.6.1 | 5.6.2 Total Periodic Payment Amount .........................................................................................................................97
+5 .6.3 – 5 .6 .5 Property Charges Included in ETI&A Amount.................................................................................................98
+1. For More Information ........................................................................................................................................................ 102
+6.0 Costs at Closing ..........................................................................................................................................................................103
+A. For More Information .............................................................................................................................................................103
+6.1 Closing Costs ..........................................................................................................................................................................104
+1. Mapping Guidance .............................................................................................................................................................
diff --git a/chunks/txt/2f90194d58ba8f989cec8720e6e0d282abe93cbc1bbac7a838c4dcb7f04d5a8f.txt b/chunks/txt/2f90194d58ba8f989cec8720e6e0d282abe93cbc1bbac7a838c4dcb7f04d5a8f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c285a3ccc8885185214acca1940be833bf0e2a26
--- /dev/null
+++ b/chunks/txt/2f90194d58ba8f989cec8720e6e0d282abe93cbc1bbac7a838c4dcb7f04d5a8f.txt
@@ -0,0 +1,12 @@
+59,118 followers
+
+12mo
+
+- [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 0.3 percent in November, according to the FHFA seasonally adjusted monthly House Price Index (HPI®). House prices rose 4.2 percent from November 2023 to November 2024. The previously reported 0.4 percent price growth in October was revised upward to 0.5 percent. [https://lnkd.in/efTgmhK8](https://lnkd.in/efTgmhK8?trk=organization_guest_main-feed-card-text)
+
+- ![No alternative text description for this image]()
+ `` `` [![image]() ![image]() 18](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/2f95520aa7eb116abf69934ab31f42b6aa402fcf300f26cb52ebbd7c6fa5e8d1.txt b/chunks/txt/2f95520aa7eb116abf69934ab31f42b6aa402fcf300f26cb52ebbd7c6fa5e8d1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c82f99aa672960b81b1141bc06af1f8efcff406b
--- /dev/null
+++ b/chunks/txt/2f95520aa7eb116abf69934ab31f42b6aa402fcf300f26cb52ebbd7c6fa5e8d1.txt
@@ -0,0 +1,112 @@
+Cost Approach: Outbuilding Type
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+25.023 N/A
+
+Displays for each
+outbuilding
+
+Allowable
+Answers / Format
+
+Choose an
+allowable answer
+from 10.000
+
+Definition / Additional Guidance
+
+Outbuilding Type redisplays from the Outbuilding section 10.000.
+
+Note: Detached garages with no other uses (ADUs or additional areas) are not
+reported as outbuildings in the URAR. See As is Value of Site Improvements
+(25.037) for how to address in the Cost Approach section.
+
+Appendix F-1: URAR Reference Guide
+
+Page 315 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+25 Cost Approach
+
+Replacement or Reproduction Cost for each Outbuilding
+
+Cost Approach – Replacement or Reproduction Cost (Outbuilding)
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+25.024 N/A
+
+Required for each
+outbuilding
+
+Allowable
+Answers / Format
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+Definition / Additional Guidance
+
+Area Type: The area for which costs to reproduce or replace are being
+estimated.
+•
+•
+•
+•
+•
+
+Finished Area
+Foundation
+Garage
+Unfinished Area
+Other (Describe)
+
+Note: Each selected answer displays in a separate row.
+
+25.025 N/A
+
+25.026 @
+
+25.027 N/A
+
+Required for each
+indicated Area Type
+
+Number of square
+feet
+
+Area Size
+
+Required for each
+indicated Area Type
+
+Required for each
+indicated Area Type
+
+Dollar amount
+
+Dollar amount
+
+Replacement or Reproduction Cost per Unit of Measure (e.g., cost per square
+foot).
+
+Area Type Cost: The total cost for the line item.
+Calculated (Area Size x Replacement or Reproduction Cost per Unit of Measure)
diff --git a/chunks/txt/2f980300c8a628dcf35f943c2081c5a5f51173e678b56f5a737611c3a9101ff8.txt b/chunks/txt/2f980300c8a628dcf35f943c2081c5a5f51173e678b56f5a737611c3a9101ff8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..51bbbf1b35cac206e6d1d6e83ea13bccb49d4e4c
--- /dev/null
+++ b/chunks/txt/2f980300c8a628dcf35f943c2081c5a5f51173e678b56f5a737611c3a9101ff8.txt
@@ -0,0 +1,31 @@
+using ImageCaptionCommentDescription (UID: 1400.0793, FID: 8.056.2).
+
+• Deliver images of the rear of the dwelling using ImageCategoryType (UID: 1400.0638, FID: 8.062.1) = “DwellingRear”.
+• Other images provided must be delivered using ImageCategoryType (UID: 1400.0638, FID: 8.062.1) = “DwellingExteriorExhibit”.
+• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 8.047.2, 8.062.2).
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+
+
+Descriptive caption for exhibit.
+DwellingExteriorExhibit
+zip://location/DwellingExteriorExhibit.jpg
+image/jpeg
+
+
+
+Page 167
+
+Dwelling Exterior – 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.
+
+Apparent Defects, Damages, Deficiencies on exterior of the dwelling.
+
+Deliver RELATIONSHIP to associate the defect to the applicable instance of IMPROVEMENT where the ImprovementType = "Dwelling".
+One RELATIONSHIP container is required for each defect identified on the exterior of the dwelling.
diff --git a/chunks/txt/2fa2b64b62d3b02bd8e0ef724b805a7b044b2c1b2fc97da63b0ce0e64d71b772.txt b/chunks/txt/2fa2b64b62d3b02bd8e0ef724b805a7b044b2c1b2fc97da63b0ce0e64d71b772.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0f20513cae9a1bd467dd48fde45ccbb83eb131e5
--- /dev/null
+++ b/chunks/txt/2fa2b64b62d3b02bd8e0ef724b805a7b044b2c1b2fc97da63b0ce0e64d71b772.txt
@@ -0,0 +1,57 @@
+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
+
+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
+
+https://www.benefits.va.gov/homeloans/contact_rlc_info.asp
+
+For More Information
+
+More information can be found in the Help Center, which is accessed through the Desktop Originator® (DO®)/DU User Interface.
+Additionally, lenders may contact their Fannie Mae Business Account Management Solutions team, and mortgage brokers should
+contact their DO sponsoring wholesale lender. For questions regarding VA policies and guidelines, lenders and mortgage brokers
+should contact their VA Regional Loan Center. For questions regarding HUD policies and guidelines, lenders and mortgage
+brokers should contact HUD at 1-800-CALL-FHA (1-800-225-5342).
+
+© 2023 Fannie Mae. Trademarks of Fannie Mae.
+
+3.9.23
+
+2 of 2
diff --git a/chunks/txt/2fb2582840faf6cd2ec68a8dc315df315283af652e989bf876a9720024bddec3.txt b/chunks/txt/2fb2582840faf6cd2ec68a8dc315df315283af652e989bf876a9720024bddec3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0c68319ba2bf7371dd1d4bca371b029f13599146
--- /dev/null
+++ b/chunks/txt/2fb2582840faf6cd2ec68a8dc315df315283af652e989bf876a9720024bddec3.txt
@@ -0,0 +1,23 @@
+---
+
+## National Survey of Mortgage Originations
+
+Image
+
+
+
+### Introduction
+
+The National Survey of Mortgage Originations (NSMO) is the second component of the [National Mortgage Database program](/programs/nmdb). The NSMO is conducted quarterly and is jointly sponsored by the Federal Housing Finance Agency (FHFA) and the [Consumer Financial Protection Bureau](https://www.consumerfinance.gov/) (CFPB).
+
+### Purpose
+
+The purpose of the NSMO is to collect voluntary feedback directly from mortgage borrowers about their experience obtaining a mortgage. 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 taking out 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 obtained a mortgage to purchase or refinance either a personal home or a home for someone else (such as a rental property), we would like to know more about your experience in obtaining that mortgage. 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.
+
+This survey is jointly sponsored by the Federal Housing Finance Agency and the Consumer Financial Protection Bureau (CFPB), two Federal agencies that are working together to improve the safety and transparency of the lending process for all consumers.
diff --git a/chunks/txt/2fbf9a46e5b22ea34226fd1a5ba60b4427d32efbca900482bcc355a2e0f8416b.txt b/chunks/txt/2fbf9a46e5b22ea34226fd1a5ba60b4427d32efbca900482bcc355a2e0f8416b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..65ef76f1886b6a846c6451c246471546e2857b1e
--- /dev/null
+++ b/chunks/txt/2fbf9a46e5b22ea34226fd1a5ba60b4427d32efbca900482bcc355a2e0f8416b.txt
@@ -0,0 +1,131 @@
+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
+
+Quality Comment
+Standard grade
+
+Condition Status
+Typical Wear and Tear
+
+Condition Comment
+Updated 5 years ago
+
+Standard grade with some
+upgraded
+
+Standard grade
+
+Standard grade
+
+Standard grade
+
+Typical Wear and Tear
+
+Updates in the last 1-5 years
+
+Typical Wear and Tear
+
+Well-maintained
+
+Typical Wear and Tear
+
+Updated 5 years ago
+
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+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.
+
+Below grade area has a
+custom brick wet bar that
+includes wood countertops.
+
+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 below grade
+family room. The 2nd floor carpeting was also replaced, however with standard grade carpet.
diff --git a/chunks/txt/2fc79257f16a9aa27d42a119daf44891aef6b4c8ee30bbca18acd6e912d66125.txt b/chunks/txt/2fc79257f16a9aa27d42a119daf44891aef6b4c8ee30bbca18acd6e912d66125.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fc9271070103da4dc8789ec2850713a7585f5ab6
--- /dev/null
+++ b/chunks/txt/2fc79257f16a9aa27d42a119daf44891aef6b4c8ee30bbca18acd6e912d66125.txt
@@ -0,0 +1,72 @@
+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.
+
+Freddie Mac
+
+Data Fields Specific to the GSE Proprietary Findings:
+
+Field Name
+Finding Category
+
+Defines the type of message (or finding) returned within the section.
+
+Definition / Description
+
+Severity
+
+Indicates the level of impact of a particular message associated with an
+appraisal report finding and how urgently the finding should be addressed.
+
+Additional
+Identified in Header
+
+Fatal
+Severe
+Warning
+Informational (FNM)
+Notification (FRE)
+
+Message
+
+The text description of each appraisal report finding.
+
+Message ID
+
+A unique identifier assigned to each message.
+
+“FNM” or “FRE” Prefix
+
+Property Affected
+
+Indicates if a property is affected by the finding, and, if so, whether the
+property is the subject or one of the comparable.
+
+Comparable Number
+
+*Appears as part of
+Property Affected
+column, when applicable,
+for Fannie Mae
+Proprietary Findings.
+
+If the property affected by the finding is one of the comparables, this
+data point will appear in the Property Affected column indicating the
+number of the comparable (e.g., the Property Ordinal Number).
+
+Fannie Mae
+
+Report Section
+
+The name of the appraisal report section associated with a specific
+appraisal report finding/message.
+
+Report Subsection
+
+The name of the appraisal report subsection associated with a specific
+appraisal report finding/message.
+
+Report Label / Value
+
+The business value/name or the value/name on the PDF appraisal report.
+This gives the user the location on the PDF where the issue/compliance
+edit occurred.
diff --git a/chunks/txt/2fefd9cc0445f957f0c7b29b4766f8f163529bcd287cb85543980fb7600f2214.txt b/chunks/txt/2fefd9cc0445f957f0c7b29b4766f8f163529bcd287cb85543980fb7600f2214.txt
new file mode 100644
index 0000000000000000000000000000000000000000..45030969a71cc8bd2e73fc243d0ed46c983770b3
--- /dev/null
+++ b/chunks/txt/2fefd9cc0445f957f0c7b29b4766f8f163529bcd287cb85543980fb7600f2214.txt
@@ -0,0 +1,149 @@
+2 20000001 3 9 1 1 2 1 2 3
+2 20000002 3 2 1 1 2 1 2 3
+2 20000003 3 1 1 1 2 1 2 3
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+2 20000113 2 2 8 1 1 1 2 4
+2 20000114 3 2 8 1 1 1 2 5
+2 20000115 2 2 1 2 2 1 2 2
+2 20000116 3 2 4 1 1 1 2 5
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+2 20000119 3 2 8 1 2 4 2 3
+2 20000120 3 2 8 1 1 1 2 5
+2 20000121 2 2 4 1 1 1 2 5
+2 20000122 3 1 2 1 1 4 2 2
+2 20000123 2 3 0 2 1 1 2 5
+2 20000124 2 3 4 1 2 1 2 2
+2 20000125 3 2 1 2 2 2 2 5
+2 20000126 3 1 8 1 1 1 2 4
+2 20000127 3 1 3 2 2 1 2 5
+2 20000128 3 1 1 1 1 4 2 5
+2 20000129 3 2 8 1 2 2 2 5
+2 20000130 3 3 8 1 2 2 2 4
+2 20000131 1 2 8 1 2 2 2 5
+2 20000132 3 2 4 2 2 4 2 5
+2 20000133 2 3 8 1 2 2 2 5
+2 20000134 3 1 4 1 2 4 2 5
+2 20000135 3 3 8 1 2 2 2 5
+2 20000136 1 1 8 1 2 2 2 5
+2 20000137 3 1 4 2 2 4 2 2
+2 20000138 3 2 1 2 2 4 2 3
+2 20000139 1 2 8 1 2 2 2 5
+2 20000140 3 1 1 2 2 4 2 4
+2 20000141 3 1 4 2 2 4 2 2
+2 20000142 2 3 4 2 1 4 2 5
+2 20000143 3 2 3 2 1 4 2 5
+2 20000144 3 3 0 1 2 1 2 5
+2 20000145 2 2 4 2 2 1 2 5
+2 20000146 3 1 1 1 2 1 2 1
+2 20000147 3 1 4 2 2 1 2 1
+2 20000148 3 1 8 1 1 1 2 5
+2 20
diff --git a/chunks/txt/2ff07d099954fae268cf4d1f9420ca76058e574dd3a4abd57dcd534e1beefd93.txt b/chunks/txt/2ff07d099954fae268cf4d1f9420ca76058e574dd3a4abd57dcd534e1beefd93.txt
new file mode 100644
index 0000000000000000000000000000000000000000..16e2c4272aff159c27663fe026146f0ac67c1809
--- /dev/null
+++ b/chunks/txt/2ff07d099954fae268cf4d1f9420ca76058e574dd3a4abd57dcd534e1beefd93.txt
@@ -0,0 +1,70 @@
+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.
+
+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 432981-12Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024Cooperative Scenario 1 (Coop1)
+
+Uniform Residential Appraisal Report
+
+Page 9 of 18
+Page 9 of 18
diff --git a/chunks/txt/2ff0b1c126fa2f28d7dc6b033c3aecdc2ffb0de92d73ed99b221aedae8c627e1.txt b/chunks/txt/2ff0b1c126fa2f28d7dc6b033c3aecdc2ffb0de92d73ed99b221aedae8c627e1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3ec220794bb016065a36c44a284d64a8c603e11e
--- /dev/null
+++ b/chunks/txt/2ff0b1c126fa2f28d7dc6b033c3aecdc2ffb0de92d73ed99b221aedae8c627e1.txt
@@ -0,0 +1,66 @@
+Applicances
+Washer/Dryer
+
+Kitchen Equipment
+Exists Indicator
+
+Kitchen Equipment
+Exists Indicator
+
+Kitchen Equipment
+Exists Indicator
+
+Kitchen Equipment
+Exists Indicator
+
+Kitchen Equipment
+Exists Indicator
+
+Kitchen Equipment
+Exists Indicator
+
+A free-form text field used to describe the
+amenity if Other is selected as the
+Amenity Type.
+Indicates if the kitchen equipment
+specified in Kitchen Equipment Type is
+present in the unit.
+Indicates if the kitchen equipment
+specified in Kitchen Equipment Type is
+present in the unit.
+Indicates if the kitchen equipment
+specified in Kitchen Equipment Type is
+present in the unit.
+Indicates if the kitchen equipment
+specified in Kitchen Equipment Type is
+present in the unit.
+Indicates if the kitchen equipment
+specified in Kitchen Equipment Type is
+present in the unit.
+Indicates if the kitchen equipment
+specified in Kitchen Equipment Type is
+present in the unit.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='
+Other']/@_TypeOtherDescription
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUIPME
+NT[@_Type='Refrigerator']/@_ExistsIndicator
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUIPME
+NT[@_Type='RangeOven']/@_ExistsIndicator
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUIPME
+NT[@_Type='Disposal']/@_ExistsIndicator
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUIPME
+NT[@_Type='Microwave']/@_ExistsIndicator
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUIPME
+NT[@_Type='Dishwasher']/@_ExistsIndicator
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/KITCHEN_EQUIPME
+NT[@_Type='WasherDryer']/@_ExistsIndicator
+
+UNIT
+IMPROVEMENTS
diff --git a/chunks/txt/2ffa4b11a8f6be67e19c851f145bd5354e71188b483b7fd996b3bdbe96be0aa7.txt b/chunks/txt/2ffa4b11a8f6be67e19c851f145bd5354e71188b483b7fd996b3bdbe96be0aa7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bdd26d4c69186793c1b8bca35be2c237917b80e1
--- /dev/null
+++ b/chunks/txt/2ffa4b11a8f6be67e19c851f145bd5354e71188b483b7fd996b3bdbe96be0aa7.txt
@@ -0,0 +1,42 @@
+For example: Each instance of the source PARTY / INDIVIDUAL element may be associated with one
+instance of the target NAME element, which is not associated with any other instances of the PARTY /
+INDIVIDUAL element.
+
+INDIVIDUAL 1
+
+INDIVIDUAL 2
+
+NAME 1
+
+NAME 2
+
+Most One-to-One Relationships are established in the MISMO Reference Model by containment.
+Containment means that there is a direct parent/child relationship between the elements. In the example
+above the INDIVIDUAL element contains a NAME element, which itself contains the individual’s
+name components – First Name, Middle Name, Last Name, and others. Other One-to-One Relationships
+may be needed which cannot be made using containment. For example, relating two data elements that
+are in different container elements. These types of relationships are sometimes referred to as “pointing
+relations” and are defined using “XLink Relationships”, which are discussed later in this chapter.
+
+ONE-T O-MANY RELAT IONSHIP
+
+A One-to-Many Relationship is one in which one instance of the source element may be associated with
+one or more instances of the target element and no two instances of the source element are associated
+with the same instance of the target element.
+
+Data Relationships Using Xlink and MISMO Arcroles
+
+Page 7 of 29
+
+Version 1.1
+
+___________
+
+_ ___
+
+Data Relationships
+
+For example: Each instance of the source BORROWER element may have multiple instances of the
+target EMPLOYER element, each of those is not associated with any other instances of BORROWER.
+Even if both borrowers on a loan may have the same employer, the values of some the employer data
+elements may be different, such as their income amounts, start dates, and positions.
diff --git a/chunks/txt/300622c61b3c34070e477b30bf94078715d80f19c9e7ad0185b817f9601e8ef1.txt b/chunks/txt/300622c61b3c34070e477b30bf94078715d80f19c9e7ad0185b817f9601e8ef1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3821c2626350a14f18056d81bd50e5bd3f32aa55
--- /dev/null
+++ b/chunks/txt/300622c61b3c34070e477b30bf94078715d80f19c9e7ad0185b817f9601e8ef1.txt
@@ -0,0 +1,22 @@
+---
+source_url: "https://www.linkedin.com/company/fhfa/"
+date_accessed: "2026-01-27T17:54:20.807Z"
+---
+
+[Skip to main content](#main-content) [LinkedIn](/?trk=organization_guest_nav-header-logo) - [Top Content](https://www.linkedin.com/top-content?trk=organization_guest_guest_nav_menu_topContent)
+ - [People](https://www.linkedin.com/pub/dir/+/+?trk=organization_guest_guest_nav_menu_people)
+ - [Learning](https://www.linkedin.com/learning/search?trk=organization_guest_guest_nav_menu_learning)
+ - [Jobs](https://www.linkedin.com/jobs/search?trk=organization_guest_guest_nav_menu_jobs)
+ - [Games](https://www.linkedin.com/games?trk=organization_guest_guest_nav_menu_games)
+ - [Get the app](ms-windows-store://pdp/?ProductId=9WZDNCRFJ4Q7&mode=mini&cid=guest_nav_upsell&trk=organization_guest_guest_nav_menu_windows)
+ [Sign in](https://www.linkedin.com/login?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&fromSignIn=true&trk=organization_guest_nav-header-signin) [Join now](https://www.linkedin.com/signup/cold-join?session_redirect=https%3A%2F%2Fwww%2Elinkedin%2Ecom%2Fcompany%2Ffhfa&trk=organization_guest_nav-header-join)
+
+``  ![Federal Housing Finance Agency]()
+
+# Federal Housing Finance Agency
+
+## Government Administration
+
+### Washington, DC 59,118 followers
+
+#### FHFA is regulator and conservator of Fannie Mae & Freddie Mac and regulator of the Federal Home Loan Bank System
diff --git a/chunks/txt/301540de5e5ed5138bca5f8ed21a99828ab66a877b3d43bc6b6e1d548feaef7c.txt b/chunks/txt/301540de5e5ed5138bca5f8ed21a99828ab66a877b3d43bc6b6e1d548feaef7c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d1ed8c49e9ce0277b186a713b8d8b663200269b5
--- /dev/null
+++ b/chunks/txt/301540de5e5ed5138bca5f8ed21a99828ab66a877b3d43bc6b6e1d548feaef7c.txt
@@ -0,0 +1,54 @@
+In addition, Fannie Mae asserted that
+if FHFA concludes that respondent ID is
+a HMDA data element, it would request
+proprietary treatment under 24 CFR
+81.74(b) to prevent the public release of
+this data, which Fannie Mae believes
+will result in competitive harm.
+Since the Enterprises are not
+collecting these data, and doing so
+would impose a substantial additional
+burden on them while they are in
+conservatorship, FHFA is not requiring
+the Enterprises to collect and report
+these data for inclusion in the PUDB. In
+particular, it would be burdensome,
+expensive and time-consuming for the
+Enterprises to make the necessary
+changes to their seller-servicer
+
+guidelines and infrastructure to collect
+such data.
+
+For the convenience of the affected
+parties, the Order is recited below in its
+entirety. You may access this Order
+from FHFA’s Web site at http://
+www.fhfa.gov/Default.aspx?Page=43.
+The Order will be available for public
+inspection and copying at the Federal
+Housing Finance Agency, Fourth Floor,
+1700 G St., NW., Washington, DC 20552.
+To make an appointment, call (202)
+414–6924.
+
+Act of 1975 (HMDA), 12 U.S.C. 2801 et
+seq., at the census tract level, and that
+such data elements be disclosed to the
+public, see 12 U.S.C. 4543;
+
+Whereas, to comply with sections
+
+1323 and 1326 of the Safety and
+Soundness Act, as amended, it is
+necessary to make changes to the data
+fields in FHFA’s single-family and
+multifamily matrices of the PUDB to
+incorporate the data elements required
+thereunder and to reflect HMDA
+reporting practices;
+
+VI. Order
+
+Public Use Database for Enterprise
+Mortgage Purchases
diff --git a/chunks/txt/30156c8673afd8dbfbe25faba60b91890a38a64bea0927c30d7a523b784d0b40.txt b/chunks/txt/30156c8673afd8dbfbe25faba60b91890a38a64bea0927c30d7a523b784d0b40.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ea35291bc20056041bc24c2af468f69a985f1c06
--- /dev/null
+++ b/chunks/txt/30156c8673afd8dbfbe25faba60b91890a38a64bea0927c30d7a523b784d0b40.txt
@@ -0,0 +1,88 @@
+6 12 U.S.C. 4543(b)(2), 4546(d).
+7 12 U.S.C. 4543(b)(1), 4546(a); 24 CFR
+
+81.72(b)(3), (c)(1).
+
+8 The Enterprises are not subject to HMDA
+
+reporting requirements under Regulation C because
+they do not originate mortgage loans, which is
+prohibited by their Charter Acts, and Regulation C
+only applies to institutions that originate mortgage
+loans. See 12 U.S.C. 1719(a)(2), 1454(a)(5), and 12
+CFR 1003.2(g). Instead, the Safety and Soundness
+
+VerDate Sep<11>2014 18:35 Jun 02, 2020 Jkt 250001 PO 00000 Frm 00037 Fmt 4703 Sfmt 4703 E:\FR\FM\03JNN1.SGM 03JNN1
+
+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
+
+34197
+
+implements HMDA through Regulation
+C, which was amended in 2015 to add
+new data HMDA elements, effective
+January 1, 2018.9
+
+FHFA interprets the HMDA data
+publication requirement in the Safety
+and Soundness Act as an obligation to
+use the same data definitions as HMDA
+for the Enterprise data published in the
+PUDB, where possible. The Safety and
+Soundness Act does not require FHFA
+to republish in the PUDB the same data
+that is in the CFPB’s public dataset
+issued under Regulation C. Rather, the
+Enterprises must report to FHFA the
+data elements they collect that generally
+conform with the HMDA definitions set
+out in Regulation C. For example, the
+Enterprises must report data about their
+purchased loans that would not be
+reported for purchased loans under
+Regulation C,10 as well as data elements
+that only partially conform to the
+Regulation C data definitions.11 This
+reflects FHFA’s view that the HMDA
+data specifications in Regulation C
+should be used as a guide to the types
+of data included in the PUDB that will
+be useful for the public and
diff --git a/chunks/txt/3038a804ff3698b3f9916be73a679a21453ed6c12495ee817de0f531135d2c90.txt b/chunks/txt/3038a804ff3698b3f9916be73a679a21453ed6c12495ee817de0f531135d2c90.txt
new file mode 100644
index 0000000000000000000000000000000000000000..76bdea30637f27216810a3ea5cd4f4672c55cfbf
--- /dev/null
+++ b/chunks/txt/3038a804ff3698b3f9916be73a679a21453ed6c12495ee817de0f531135d2c90.txt
@@ -0,0 +1,74 @@
+22.01.04
+
+22.01.05
+
+22.01.06
+
+22.01.07
+
+22.01.09
+
+22.01.10
+
+22.01.11
+
+22.01.12
+
+22.01.13
+
+22.01.15
+
+22.02.01
+
+22.02.02
+22.02.03
+
+22.02.04
+
+22.03.01
+
+22.03.02
+
+22.03.03
+22.0 .04
+22.03.05
+
+22.03.06
+22.03.07
+
+22.0 .08
+
+22.03.09
+
+22.03.10
+
+22.03.11
+
+22.03.12
+
+22.0 .13
+
+22.03.14
+
+22.03.15
+
+22.03.17
+
+22.04.01
+22.04.02
+
+22.04.03
+
+22.04.04
+
+22.01.14
+
+22.03.16
+
+(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)
+
+6.04
+
+(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/303a3c20e07005e534f54f081169595952bd813503bb93f0f3f7c70100e027bc.txt b/chunks/txt/303a3c20e07005e534f54f081169595952bd813503bb93f0f3f7c70100e027bc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..482f37ac0fa9b9afcc316d5bd241490f3a6d0e26
--- /dev/null
+++ b/chunks/txt/303a3c20e07005e534f54f081169595952bd813503bb93f0f3f7c70100e027bc.txt
@@ -0,0 +1,53 @@
+The following information is presented in the columns associated with each attribute:
+
+1. Attribute
+
+The “Attribute” column lists the term names determined by the submitting MISMO
+Workgroup and approved by MISMO. The term name must comply with the MISMO
+naming conventions described in Section III-A-1. Data Point. MISMO attributes are
+expressed in Upper Camel Case.
+
+Example III-15 MISMO LDD Attribute Names.
+
+Attribute:
+
+ MISMOReferenceModelIdentifier
+ LoanRoleType
+
+Notes: No spaces between the words making up each term. Each term name ends
+
+in a Class Word.
+
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 22 of 76
+
+Section III. Using the MISMO v3.0 Logical Data Dictionary
+
+2. Definition
+
+The “Definition” column provides the industry-standard description of the attribute.
+The MISMO definition will tend to be very generic, as many attributes are used in
+more than one mortgage industry process.
+
+One role of the business partners implementing the MISMO standard is to provide
+additional information about how the attribute is to be used in the transactions they are
+exchanging. Additional guidance can add detail to and interpret the MISMO
+definition, but should always be consistent with it.
+
+Example III-16. MISMO LDD Attribute Definitions and Business Partner
+Guidance.
+
+Attribute: LoanRoleType
+Definition: Used as an attribute on LOAN to distinguish subject loans from
+
+related loans.
+
+Business Partner Guidance in Implementation Guide: Each instance of the
+
+LOAN container captures data points of either the delivered (subject) loan
+or a supporting (related) loan at a specific point in time defined by the
+values of the LoanStateType and LoanRoleType associated with that
+container.
diff --git a/chunks/txt/3045cfb52f0b4c5d8d72808a069dbe705c575622d43aedf7328ee1cc36ec2cfc.txt b/chunks/txt/3045cfb52f0b4c5d8d72808a069dbe705c575622d43aedf7328ee1cc36ec2cfc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fd5f01c2f7801827f0497fd42582dac63251d180
--- /dev/null
+++ b/chunks/txt/3045cfb52f0b4c5d8d72808a069dbe705c575622d43aedf7328ee1cc36ec2cfc.txt
@@ -0,0 +1,3 @@
+Overview ................................................................................................................................................................................................................................................ 319
+
+Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 320
diff --git a/chunks/txt/306528221bf22094fa89dce673c6e6a0a00183f1312a202ab4e710b701991752.txt b/chunks/txt/306528221bf22094fa89dce673c6e6a0a00183f1312a202ab4e710b701991752.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d2cf6d1a80d11cdfbd81472f77ebc6f1e98f375a
--- /dev/null
+++ b/chunks/txt/306528221bf22094fa89dce673c6e6a0a00183f1312a202ab4e710b701991752.txt
@@ -0,0 +1,144 @@
+Form FNM 1073 FRE 465
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 92 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
+
+167
+
+1
+
+160
+
+PROJECT
+INFORMATION
+
+If Project Completed
+# of Units for Sale
+
+Units For Sale
+Count
+
+Total number of living units for sale.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE
+[@_Type='Complete']/@UnitsForSaleCount
+
+168
+
+1
+
+161
+
+PROJECT
+INFORMATION
+
+If Project Completed
+# of Units Sold
+
+Units Sold Count Total number of living units sold.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE
+[@_Type='Complete']/@UnitsSoldCount
+
+169
+
+1
+
+162
+
+PROJECT
+INFORMATION
+
+If Project Completed
+# of Units Rented
+
+Units Rented
+Count
+
+Total number of living units rented.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE
+[@_Type='Complete']/@UnitsRentedCount
+
+170
+
+1
+
+163
+
+PROJECT
+INFORMATION
+
+If Project Completed
+# of Owner Occupied Units
+
+Owner Occupied
+Unit Count
+
+The number of units occupied by their
+owners.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE
+[@_Type='Complete']/@OwnerOccupiedUnitCount
+
+171
+
+1
+
+164
+
+PROJECT
+INFORMATION
+
+If Project Incomplete
+# of Planned Phases
+
+Development Stage
+Total Phases Count
+
+Number of phases that exist in the project.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE
+[@_Type='Incomplete']/@_TotalPhasesCount
diff --git a/chunks/txt/306e9f0a0ecbf2eb364bfd02d021eaecc3c0585305ebf499dcec1dfb0402a618.txt b/chunks/txt/306e9f0a0ecbf2eb364bfd02d021eaecc3c0585305ebf499dcec1dfb0402a618.txt
new file mode 100644
index 0000000000000000000000000000000000000000..aa640324db4fa7ec3a0bde4eb31058d1fb01597d
--- /dev/null
+++ b/chunks/txt/306e9f0a0ecbf2eb364bfd02d021eaecc3c0585305ebf499dcec1dfb0402a618.txt
@@ -0,0 +1,74 @@
+Additional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser Certifications.
+1. I have not performed any service regarding the subject property within the three years preceding the agreement to perform this
+assignment.
+
+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 30 of 30
+Page 30 of 30
+
+Certifications (continued)
+
+Signature
+
+Appraiser
+Annie Appraiser
+Annie Appraiser
+
+Supervisory Appraiser
+Arthur Appraiser
+Arthur Appraiser
+
+09/25/2019
+
+Date of Signature and Report
+
+09/25/2019
+
+Date of Signature and Report
+
+Level
+ID
+State
+Expires
+
+Level
+ID
+State
+Expires
+
+Licensed Residential
+9898989898-000034
+VA
+01/31/2020
+
+Certified Residential
+9898989898-000299
+VA
+02/28/2020
+
+Appraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1)
+
+Manufactured Home Scenario 2 (MH2)
+
+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
diff --git a/chunks/txt/30705f104a4580fd5be18f264a0e2edb0ffe506fcc71dd8994ad340f64fc5765.txt b/chunks/txt/30705f104a4580fd5be18f264a0e2edb0ffe506fcc71dd8994ad340f64fc5765.txt
new file mode 100644
index 0000000000000000000000000000000000000000..91301173aaf2204d9d0e0e60bae182d16bb0d98d
--- /dev/null
+++ b/chunks/txt/30705f104a4580fd5be18f264a0e2edb0ffe506fcc71dd8994ad340f64fc5765.txt
@@ -0,0 +1,50 @@
+Allowable Answer
+
+Definition / Additional Guidance
+
+Construction Method (Choose one or more allowable answers)
+
+Container
+
+Manufactured
+
+Modular
+
+A structure that was built using repurposed shipping containers as the core construction method, also referred to as an
+Intermodal Steel Building Unit (ISBU).
+
+A factory built dwelling built in compliance with the Federal Manufactured Home Construction and Safety Standards in
+effect at the time the home was manufactured as evidenced by the HUD label. (HUD Code Home)
+Note: Selecting this answer triggers the Manufactured Home section for the dwelling.
+
+A factory built dwelling not on a permanent chassis, which is built to state or local guidelines and does not have a HUD
+label.
+
+On-Frame Modular
+
+A factory built dwelling on a permanent chassis, which is built to state or local guidelines and does not have a HUD label.
+
+Site Built
+
+3D Technology
+
+Describes the construction process, indicating that most elements are created at the home’s permanent site, also referred
+to as stick built. May include some prefabricated components.
+
+A structure that was built using three-dimensional printing technologies as a core method in the fabrication process. This
+includes 3D technology that was completed on site or in a factory.
+
+Other (Describe)
+
+Select Other to enter an answer that is not in the above list.
+
+Converted Area
+
+The display of the URAR varies depending on whether or not there is an area in the structure that has been
+converted to living area from its original use.
+
+Example: No Converted Area
+
+Appendix F-1: URAR Reference Guide
+
+Page 97 of 375
diff --git a/chunks/txt/308c686b181321c93f5a6d8b2479defda95a47a73810b4ba9852d55e66108746.txt b/chunks/txt/308c686b181321c93f5a6d8b2479defda95a47a73810b4ba9852d55e66108746.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b9aded4770988061e1156ac75b6c21a2cb9f5388
--- /dev/null
+++ b/chunks/txt/308c686b181321c93f5a6d8b2479defda95a47a73810b4ba9852d55e66108746.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](/)
+ - [Mortgage Translations](/mortgage-translations)
+ - Search or Browse Mortgage Documents
+
+# Search or Browse Mortgage Documents
+
+- [Basic Search](/quicktabs/nojs/mortgage_translation_search/0)
+- [Advanced Search](/quicktabs/nojs/mortgage_translation_search/1)
+Document Language - Any - English Spanish / Español Chinese / 中文 Vietnamese / Tiếng Việt Korean / 한국어 Tagalog / Filipino
diff --git a/chunks/txt/309054835cb9c2703b44a5f5bdae3e60a7521361ef1dfb7821a59fb8f80ed77f.txt b/chunks/txt/309054835cb9c2703b44a5f5bdae3e60a7521361ef1dfb7821a59fb8f80ed77f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1a34a4f618674d8ea67bc6bae1b0b381aa6a3514
--- /dev/null
+++ b/chunks/txt/309054835cb9c2703b44a5f5bdae3e60a7521361ef1dfb7821a59fb8f80ed77f.txt
@@ -0,0 +1,42 @@
+Supported Attribute Enumerations
+
+2200.0092 RELATIONSHIP
+
+@xlink:arcrole
+
+urn:fdc:mismo.org:2009:residential/SIGNATORY_IsAssociatedWith_ROLE
+
+2200.0093 RELATIONSHIP
+
+@xlink:from
+
+SIGNATORY_n
+
+2200.0094 RELATIONSHIP
+
+@xlink:to
+
+2200.0153
+
+SIGNATORY
+
+2200.0079 ROLE
+
+@xlink:label
+
+@xlink:label
+
+ROLE_n
+
+SIGNATORY_n
+
+ROLE_n
+
+Every party that signs the report is represented in the data using an arcrole. The Appraiser and Appraiser Supervisor signatures displayed in
+Figure 29 - 1, are represented in the sample XML to illustrate how the data is delivered.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 377
+
+Appendix B-1: URAR Implementation Guide v1.3
diff --git a/chunks/txt/309afad7ac4be3d8f92e04273c8cdc40df239cdbd6e3bee01821cea98ca3b45c.txt b/chunks/txt/309afad7ac4be3d8f92e04273c8cdc40df239cdbd6e3bee01821cea98ca3b45c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7aace2dad1429d2c24c00ae163a79793a03b0900
--- /dev/null
+++ b/chunks/txt/309afad7ac4be3d8f92e04273c8cdc40df239cdbd6e3bee01821cea98ca3b45c.txt
@@ -0,0 +1,32 @@
+Technology Manager Release Notes
+May 5, 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?
+
+•
+
+Internet Protocol (IP) Address Restrictions – In order to enhance security, Fannie Mae is offering
+additional access controls through IP Address Restrictions. The IP Address Restrictions feature is
+available for administrators under the 'Edit Company Configuration' menu item on Technology
+Manager dashboard. It allows customers to self-identify a custom list of IP addresses that are
+allowed access to Fannie Mae applications and APIs. Administrators can elect to apply IP address
+restrictions for either user ids, system ids or both by selecting the appropriate options.
+
+• Multifactor authentication (MFA) – Security Key Update - Users logging in to Fannie Mae browser-
+
+based applications, can log in with a User ID and a physical USB security key. These physical keys can
+be plugged into a computer’s USB port to allow for a quick yet secure login. The “Security Key”
+option now available in both Package 1 and 2 for MFA.
+
+Technology Manager Virtual Assistant (TMVA):
+
+• Condo Project Manager™ (CPM™) details have been added to the Corporate Administrator Orientation
+
+in the Virtual Assistant.
+
+© 2023 Fannie Mae 5.3.23 Page 1 of 1
diff --git a/chunks/txt/30a5862c0f4baf54d774a1b5b9c1ac0316da68f430ad9ae80db959a7ea63be45.txt b/chunks/txt/30a5862c0f4baf54d774a1b5b9c1ac0316da68f430ad9ae80db959a7ea63be45.txt
new file mode 100644
index 0000000000000000000000000000000000000000..889589fe7bc93f1ef77a64abd609b415a028e1e8
--- /dev/null
+++ b/chunks/txt/30a5862c0f4baf54d774a1b5b9c1ac0316da68f430ad9ae80db959a7ea63be45.txt
@@ -0,0 +1,137 @@
+Water is less than two feet deep and does not provide consistent ingress and egress for any watercraft.
+
+Water is two to four feet deep and can handle most recreational watercraft.
+
+Other (Describe)
+
+Select Other to enter an answer that is not in the above list.
+
+Water Frontage Commentary
+
+Site: Information for Each Body of Water with Private Access
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+4.038 Water Frontage
+
+If relevant
+
+Free-form
+
+Commentary
+
+Definition / Additional Guidance
+
+Overall commentary for all water frontage, which could include information
+that is not captured in the discrete data, or additional details to support the
+discrete data that is provided.
+
+View and Impact to Value / Marketability
+
+A key component of a property’s location is the view. This subsection contains information about the views
+associated with the subject property, the range and breadth of those views, and the overall impact the views
+have on the subject’s value and marketability.
+
+Appendix F-1: URAR Reference Guide
+
+Page 68 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+04 Site
+
+Site: View and Impact to Value / Marketability
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+4.039
+
+View
+
+Always required
+
+Allowable
+Answers / Format
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+Definition / Additional Guidance
+
+The specific view types as observed for valuation purposes that may affect
+market value.
+•
+Bay
+•
+Canal
+•
+City Street
+•
+Commercial
+•
+Cove
+•
+Creek
+•
+Golf Course
+•
+Gulf
+•
+High Density Residential
+•
+Highway
+•
+Industrial
+•
+Lake
+• Marsh
+• Mountain
+•
+Ocean
+•
+Park
+•
+Parking Lot
+•
+Pastoral
+•
+Pond
+•
+Reservoir
+•
+Residential
+•
+River
+•
+School
+•
+Skyline
+•
+Sound
+•
+Traffic Wall Barriers
+•
+Valley
+• Woods
+•
+Notes:
+•
diff --git a/chunks/txt/30acd3db562c2e81698c49e03ecc6ca6ab6020ef55a17531ab60dcb9143fd618.txt b/chunks/txt/30acd3db562c2e81698c49e03ecc6ca6ab6020ef55a17531ab60dcb9143fd618.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b419e9b53db977e3496fbeddc140d969ee04c862
--- /dev/null
+++ b/chunks/txt/30acd3db562c2e81698c49e03ecc6ca6ab6020ef55a17531ab60dcb9143fd618.txt
@@ -0,0 +1,79 @@
+1. When all indicators are “false”, ‘None’ displays below the subsection header (gray bar), and the Apparent Defects, Damages,
+
+Deficiencies table does not display. (Figure 1 - 2)
+
+Figure 1 - 2
+
+2. When Recommended Action is none for all defects, then the static text displays: There are no apparent defects, damages, or
+deficiencies requiring action. For details, reference the 'Reconciliation' section, and the table does not display. (Figure 1 - 3)
+
+From MH1 –
+
+Figure 1 - 3
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+3. Display each Defect, Damage, Deficiency in the table where DefectItemRecommendedActionType <> “None”.
+
+Page 74
+
+Summary: Apparent Defects, Damages, Deficiencies Requiring Action
+
+Report Field ID
+
+Report Label
+
+Source Field ID
+
+Original Section
+
+1.032
+
+[Static Text] The items listed below represent the As Is
+condition as of the effective date of this report
+
+26.020
+
+Reconciliation - Defects, Damages, Deficiencies
+
+1.033 | 1.040 | 1.048 |
+1.055 | 1.063 | 1.069 |
+1.075
+
+Feature
+
+26.021 | 26.028 |26.036 |
+26.044 |26.052 |26.058 |
+26.064
+
+Reconciliation - Defects, Damages, Deficiencies
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Report Field ID
+
+Report Label
+
+Source Field ID
+
+Original Section
+
+Summary: Apparent Defects, Damages, Deficiencies Requiring Action
+
+Page 75
+
+1.034 | 1.041 | 1.049 |
+1.056 | 1.064 |1.070 |
+1.076
+1.035 | 1.042 | 1.050 |
+1.057 | 1.065 | 1.071 |
+1.077
+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
diff --git a/chunks/txt/30b61ddf2483ea0ba14e821f01f9e83f9ca7c7106c1425203b8f6a7c118f63a4.txt b/chunks/txt/30b61ddf2483ea0ba14e821f01f9e83f9ca7c7106c1425203b8f6a7c118f63a4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a787212bfa0b01d65198855317c6ec06fe0d98f6
--- /dev/null
+++ b/chunks/txt/30b61ddf2483ea0ba14e821f01f9e83f9ca7c7106c1425203b8f6a7c118f63a4.txt
@@ -0,0 +1,34 @@
+Appendix F-2: Appraisal Update Report Reference Guide
+
+Page 3 of 28
+
+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.
+• 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).
+
+The primary purpose of Appendix F-2: Restricted Appraisal Update Report Reference Guide is to provide
+guidance on how to enter information and how the data will be displayed on the report.
diff --git a/chunks/txt/30c676a57d774be9372f95b9c1966d655c0a87f26e08022ef5b695bca31c2bad.txt b/chunks/txt/30c676a57d774be9372f95b9c1966d655c0a87f26e08022ef5b695bca31c2bad.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ce3647ea8ff92edeeb114a5d7ebee2d3e9dc5adb
--- /dev/null
+++ b/chunks/txt/30c676a57d774be9372f95b9c1966d655c0a87f26e08022ef5b695bca31c2bad.txt
@@ -0,0 +1,125 @@
+20
+
+String
+
+This field should indicate the land rights appraised (e.g. Leasehold or Fee Simple).
+
+This field is required if the value of field e-15
+(GSE Location Type) is ‘Other’.
+
+T
+
+R
+
+R
+
+CR
+
+T
+
+Form FNM 2055 FRE 2055
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 188 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
+
+241
+
+2
+
+22
+
+SALES
+COMPARISON
+APPROACH
+
+Site
+
+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_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_P
+RICE_ADJUSTMENT[@_Type='SiteArea']/@_Description
+
+20
+
+String
+
+242
+
+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='0']/COMPA
+RISON_VIEW_OVERALL_RATING_EXTENSION/COMPARISON_VIE
+W_OVERALL_RATING_EXTENSION_SECTION[@ExtensionSectionOr
+ganizationName='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 total size of the entire site/parcel must be entered. No other data should be
+entered in this field. For sites/parcels that have an area of less than 1 acre, the size
+must be reported in square feet (whole numbers only, e.g., 27840 sf). Sites/parcels
+that have an area of 1.00 acre or greater must be reported in acreage to two decimal
+places (e.g., 8.35 ac).
diff --git a/chunks/txt/30ec187774e3e6ac80d40caf1c72ed3ab985be261d8fa77dcb9f4a66eed3737e.txt b/chunks/txt/30ec187774e3e6ac80d40caf1c72ed3ab985be261d8fa77dcb9f4a66eed3737e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..206a98d95aaa21d9e38bf3bab456fc2184d1ee4d
--- /dev/null
+++ b/chunks/txt/30ec187774e3e6ac80d40caf1c72ed3ab985be261d8fa77dcb9f4a66eed3737e.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/"
+date_accessed: "2026-01-27T17:54:20.634Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/30f7dcf46b79a293ef9fbb44160449adb714dea968a037df16105e47b889a9bf.txt b/chunks/txt/30f7dcf46b79a293ef9fbb44160449adb714dea968a037df16105e47b889a9bf.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4e3ee1284f6171ca9e53ace3c5c993a257840cf6
--- /dev/null
+++ b/chunks/txt/30f7dcf46b79a293ef9fbb44160449adb714dea968a037df16105e47b889a9bf.txt
@@ -0,0 +1 @@
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"taxonomy\/term\/226","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\/credit-risk-transfer-progress-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. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"views":{"ajax_path":"\/views\/ajax","ajaxViews":{"views_dom_id:dc0ac4df567ac290305b9bf84f2422f69464f3a5ec89d3fd1a4d4b4e20fbd2e9":{"view_name":"reports_taxonomy_view","view_display_id":"block_1","view_args":"226","view_path":"\/taxonomy\/term\/226","view_base_path":null,"view_dom_id":"dc0ac4df567ac290305b9bf84f2422f69464f3a5ec89d3fd1a4d4b4e20fbd2e9","pager_element":0}}},"better_exposed_filters":{"autosubmit_exclude_textfield":false},"user":{"uid":0,"permissionsHash":"ccf94f9143bdf0c4ae5b958bc59bb628cf878caa0398347d903442958bde7180"}} (function () { var s = document.createElement('script'); var h = document.querySelector('head') || document.body; s.src = 'https://acsbapp.com/apps/app/dist/js/app.js'; s.async = true; s.onload = function () { acsbJS.init({ statementLink: '', footerHtml: '', hideMobile: false, hideTrigger: false, disableBgProcess: false, language: 'en', position: 'right', leadColor: '#146FF8', triggerColor: '#146FF8', triggerRadius: '50%', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerIcon: 'people', triggerSize: 'bottom', triggerOffsetX: 20, triggerOffsetY: 20, mobile: { triggerSize: 'small', triggerPositionX: 'right', triggerPositionY: 'bottom', triggerOffsetX: 10, triggerOffsetY: 10, triggerRadius: '20' } }); }; h.appendChild(s); })();
diff --git a/chunks/txt/30fec6d3c2695b23257b6a49e9329eed4385ea40164f2c9d1a3a27635fb6c83e.txt b/chunks/txt/30fec6d3c2695b23257b6a49e9329eed4385ea40164f2c9d1a3a27635fb6c83e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..35709183107fb9b5e920ee1e4917388ad3afae8f
--- /dev/null
+++ b/chunks/txt/30fec6d3c2695b23257b6a49e9329eed4385ea40164f2c9d1a3a27635fb6c83e.txt
@@ -0,0 +1,101 @@
+25.045 Data Source
+
+Free-form
+
+Required when Land
+Comparable Data
+Source is MLS, or if
+applicable for other
+data sources
+
+Data Source Identifier: A unique number or identifier assigned to the land
+comparable by the data source.
+Notes:
+•
+•
+
+If Land Comparable Data Source is MLS, the MLS number is required.
+If a data source has an identifier, it must be reported on the URAR.
+
+25.046 Assessor Parcel
+Number (APN)
+
+If available for each
+land comparable
+
+Free-form
+
+A number assigned to parcels of real property by the tax assessor of a particular
+jurisdiction for purposes of identification and record-keeping.
+
+25.047
+
+Site Size
+
+Required for each land
+comparable
+
+Number of acres,
+square feet,
+hectares, or
+square meters
+
+The total area of the site, including all parcels.
+•
+
+For area less than 1 acre, use square feet in whole numbers (e.g., 27,840
+sq. ft.)
+For area that is 1 acre or more, use acres to 2 decimals (e.g., 1.25 acres).
+If using the metric system, for area less than 1 hectare, use square meters
+in whole numbers (e.g., 7,500 sq. m.)
+If using the metric system, for area that is 1 hectare or more, use hectares
+to 2 decimals (e.g., 1.25 hectares).
+
+•
+•
+
+•
+
+Appendix F-1: URAR Reference Guide
+
+Page 319 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+25 Cost Approach
+
+Cost Approach - Land Comparables
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+25.048
+
+Sale Date
+
+25.049 Price
+
+Required for each land
+comparable
+
+Required for each land
+comparable
+
+Allowable
+Answers / Format
+
+mm/dd/yyyy
+
+Dollar amount
+
+Reconciliation of Site Value
+
+Definition / Additional Guidance
+
+Cost Approach - Reconciliation of Site Value
diff --git a/chunks/txt/31081b8cadd3767369a6485090948746f020f674d526480a5c15470d30e338d6.txt b/chunks/txt/31081b8cadd3767369a6485090948746f020f674d526480a5c15470d30e338d6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..18584c594cb3b5d0ff1fd07c3db4725c0dcf6e49
--- /dev/null
+++ b/chunks/txt/31081b8cadd3767369a6485090948746f020f674d526480a5c15470d30e338d6.txt
@@ -0,0 +1,130 @@
+CR
+
+CR
+
+CR
+
+If the value of field e-29 is 'SettledSale',
+this field is required.
+
+CR
+
+CR
+
+CR
+
+393
+
+3
+
+e-27
+
+SALES
+COMPARISON
+APPROACH
+
+Concessions
+(Line 2)
+
+GSE Financing
+Type Other
+Description
+
+Text entry for financing type if “Other” is
+selected.
+
+/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/@GSEFinancingTypeOtherDescription
+
+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.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+This field is required if the value of
+field e-26 (GSE Financing Type) is
+‘Other’.
+
+CR
+
+CR
+
+CR
+
+Form FNM 1073 FRE 465
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 113 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
+
+394
+
+3
+
+e-28
+
+SALES
+COMPARISON
+APPROACH
+
+Concessions
+(Line 2)
+
+GSE Concession
+Amount
+
+The total known amount of the sales or
+financing concessions for the comparable
+sale.
diff --git a/chunks/txt/31204a150e3ce7d0249e0bef6dbb61eb9771aedf6ac4fafc1073b90df4baad0e.txt b/chunks/txt/31204a150e3ce7d0249e0bef6dbb61eb9771aedf6ac4fafc1073b90df4baad0e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1f60345d807ee663361d12c0551f4b926205d1c0
--- /dev/null
+++ b/chunks/txt/31204a150e3ce7d0249e0bef6dbb61eb9771aedf6ac4fafc1073b90df4baad0e.txt
@@ -0,0 +1,56 @@
+2. Single-family Data Field 22: Purpose
+of Loan
+
+This data field designates the purpose
+
+of the mortgage acquired by the
+Enterprise (e.g., purchase, refinancing,
+rehabilitation). HMDA requires the
+reporting of the purpose of a mortgage,
+with one of the purpose codes being for
+home improvement loans. Data field 22
+included a code for ‘‘rehabilitation’’
+loans, which FHFA believes are
+substantially equivalent to home
+improvement loans. Accordingly, to
+conform to HMDA reporting
+requirements, FHFA has changed the
+code name in this data field from
+‘‘rehabilitation’’ loan to ‘‘home
+improvement/rehabilitation’’ loan. In
+addition, to conform to HMDA reporting
+requirements, FHFA has added codes in
+this data field in the single-family
+Census Tract File to reflect HMDA’s
+additional purpose of loan codes. (See
+the expanded codes in the single-family
+matrix in the Appendix.) FHFA has
+preserved the prior PUDB recoding in
+this data field in the single-family
+National File B. FHFA also has
+expanded the codes in this data field to
+enable the Enterprises to report second
+mortgages and home improvement/
+rehabilitation mortgages as purchase
+money mortgages where applicable,
+which allow the Enterprises to claim
+appropriate credit under the 2005–2009
+home purchase subgoals. Second
+mortgages and home improvement/
+rehabilitation mortgages identified as
+purchase money mortgages will be
+coded as ‘‘1=purchase’’ for the PUDB.
+
+Fannie Mae asked whether a mortgage
+
+with a ‘‘value of 4’’ = home
+improvement/rehabilitation (purchase
+mortgage) under the ‘‘purpose of loan’’
+data field would be disclosed in the
+PUDB as a ‘‘1 = purchase’’, or a ‘‘4 =
+home improvement/rehabilitation’’
+mortgage. FHFA is clarifying in this
+Notice of Order that a mortgage with a
+‘‘value of 4’’ will be disclosed in the
+PUDB as a ‘‘purchase’’ mortgage in the
+single-family files.
diff --git a/chunks/txt/3127666cbecae9491cf84810f4a1a08edfa42ac36b65fbb8405e23f021c81c51.txt b/chunks/txt/3127666cbecae9491cf84810f4a1a08edfa42ac36b65fbb8405e23f021c81c51.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c8beaae7ff1f30aa89e82413779101cd2f66e8bc
--- /dev/null
+++ b/chunks/txt/3127666cbecae9491cf84810f4a1a08edfa42ac36b65fbb8405e23f021c81c51.txt
@@ -0,0 +1,3 @@
+Overview ................................................................................................................................................................................................................................................ 346
+
+Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 347
diff --git a/chunks/txt/31280539ad1d02a003e716755c9bda274935a8004ee00b033f2896d1c15bac65.txt b/chunks/txt/31280539ad1d02a003e716755c9bda274935a8004ee00b033f2896d1c15bac65.txt
new file mode 100644
index 0000000000000000000000000000000000000000..84dfe237a65c2d9861b1f550e8c370569c58c132
--- /dev/null
+++ b/chunks/txt/31280539ad1d02a003e716755c9bda274935a8004ee00b033f2896d1c15bac65.txt
@@ -0,0 +1,193 @@
+Condition
+
+Walls and Ceiling
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C4
+
+Q4
+
+C3
+
+Well maintained with
+minimal depreciation
+
+Well maintained with
+minimal depreciation
+
+Adequately maintained with
+moderate depreciation
+
+Well maintained with
+minimal depreciation
+
+Structure ID | Unit ID
+
+Building 1 | Unit C
+
+Building 1 | Unit C
+
+Building 1 | Unit 3
+
+Building 1 | Unit 3
+
+Quality
+
+Condition
+
+Walls and Ceiling
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C4
+
+Q4
+
+C3
+
+Well maintained with
+minimal depreciation
+
+Well maintained with
+minimal depreciation
+
+Adequately maintained with
+moderate depreciation
+
+Well maintained with
+minimal depreciation
+
+Structure ID | Unit ID
+
+Building 1 | Unit D
+
+Building 1 | Unit D
+
+Building 1 | Unit 4
+
+Building 1 | Unit 4
+
+Quality
+
+Condition
+
+Walls and Ceiling
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C4
+
+Q4
+
+C3
+
+Well maintained with
+minimal depreciation
+
+Well maintained with
+minimal depreciation
+
+Adequately maintained with
+moderate depreciation
+
+Well maintained with
+minimal depreciation
+
+Overall Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Quality
+
+Condition
+
+Property Amenities
+
+Outdoor Living
+
+Vehicle Storage
+
+Type | Spaces | Detail
+
+Summary
+
+List Price
+
+Sale Price
+
+Net Adjustment Total
+
+Adjusted Price Per Unit
+
+Adjusted Price Per Bedroom
+
+Price Per Gross Building
+Finished Area
+
+Adjusted Price
+
+Comparable Weight
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C4
+
+$20,000
+
+Q4
+
+C3
+
+Balcony | Balcony
+| Patio | Patio
+
+Balcony | Balcony
+| Patio | Patio
+
+Patio | Patio
+
+$10,000 Balcony | Balcony
+| Patio | Patio
+
+Carport | 4 | Detached
+800 Sq. Ft.
+Driveway | 4 | Concrete
+
+—
+
+Carport | 4 | Detached
+Driveway | 4 | Concrete
+
+Carport | 4 | Detached
+Driveway | 4 | Concrete
diff --git a/chunks/txt/3139d497f981061f6cedac9185e62b77c6da0b9e3690a92be39fb9fe3c871478.txt b/chunks/txt/3139d497f981061f6cedac9185e62b77c6da0b9e3690a92be39fb9fe3c871478.txt
new file mode 100644
index 0000000000000000000000000000000000000000..60b5d5233a15eedcec40176bef7e2ae8f72e832c
--- /dev/null
+++ b/chunks/txt/3139d497f981061f6cedac9185e62b77c6da0b9e3690a92be39fb9fe3c871478.txt
@@ -0,0 +1,29 @@
+Desktop Originator/Desktop Underwriter
+Test Credit Report Procedures
+
+November 20, 2017
+
+The Fannie Mae Test Credit Agency (Test Credit Agency) is a mock credit database comprised of test borrowers to help
+our customers develop and test customized loan application scenarios specific to their business needs. Lenders,
+originators, third-party trainers, and vendors that have access to Desktop Originator®/Desktop Underwriter® DO®/DU®) can
+use the Test Credit Agency to request test credit reports for the test borrowers.
+
+The test credit reports generated by the Test Credit Agency are available free of charge to registered DO/DU users. In
+addition, all submissions to DU for the test borrowers identified below are free of charge.
+
+N O T E : Use of these test borrowers for testing and training purposes is subject to the terms and conditions of
+the Fannie Mae Software Subscription Agreement and the DO/DU Schedules.
+
+Requesting credit reports from the Test Credit Agency
+
+To access the Test Credit Agency, select Test Credit Agency (200) from the list of credit providers. Enter any
+combination of letters and numbers as the account number. Enter fnma as the Password/PIN.
+
+You can access the Test Credit Agency during the same hours of availability as DO/DU. Because we are not connecting
+to an outside credit service, your test credit report will be returned within seconds.
+
+List of test borrowers
+The following chart identifies the test borrowers for whom test credit reports are currently available through DU.
+
+Make sure borrowers are listed exactly as shown below. Where a borrower and co-borrower are listed together, a joint
+credit report must be ordered.
diff --git a/chunks/txt/3142f2df8fed485b9bd4e9b78527f2adc44fd8f9cc6c107cf940e5ee129f9fd2.txt b/chunks/txt/3142f2df8fed485b9bd4e9b78527f2adc44fd8f9cc6c107cf940e5ee129f9fd2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d6901b424c9e2f4a31f649cafbdaf811eb32f010
--- /dev/null
+++ b/chunks/txt/3142f2df8fed485b9bd4e9b78527f2adc44fd8f9cc6c107cf940e5ee129f9fd2.txt
@@ -0,0 +1,28 @@
+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 visual inspection
+of the exterior areas of the subject property from at least the street, (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.
+
+The appraiser must be able to obtain adequate information about the physical characteristics (including, but not limited to,
+condition, room count, gross living area, etc.) of the subject property from the exterior-only inspection and reliable public
+and/or private sources to perform this appraisal. The appraiser should use the same type of data sources that he or she
+uses for comparable sales such as, but not limited to, multiple listing services, tax and assessment records, prior
+inspections, appraisal files, information provided by the property owner, etc.
+
+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.
+
+DEFINITION OF 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/3159ca923fd6e42c25dd1125dd6e1d939217be03eed74df7c454466648eb7be2.txt b/chunks/txt/3159ca923fd6e42c25dd1125dd6e1d939217be03eed74df7c454466648eb7be2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d2a9a3e229161fdb419f1179e179751e10c59175
--- /dev/null
+++ b/chunks/txt/3159ca923fd6e42c25dd1125dd6e1d939217be03eed74df7c454466648eb7be2.txt
@@ -0,0 +1,74 @@
+“Units Sold,” “Units for Sale,” “Units Rented” set as TXR-I, TXR
+
+“Reason Units Rented is Estimated” set as TXC-B1 (bold lead in to Myriad Pro Regular text) X
+22 picas.
+
+“Mandatory Fees (HOA, PUD, or Co-op)” set as TXR-B
+
+“Monthly Amount,” “Common Amenities/Services Included,” “Utilities Included” set as TXR-I,
+TXR.
+
+“Observed Deficiencies” sets as CK1, followed by Y/N.
+
+“Description of Deficiencies” set as TXC-B1 (bold lead in to Myriad Pro Regular text) X 22
+picas.
+
+Right-hand side of page
+
+•
+
+•
+
+•
+
+•
+
+•
+
+“Project Completeness” sets as TXR-B.
+
+“Yes” “No” (Y/N) followed by “Are units, common areas, and amenities in project complete?”
+“Subject Property Building Complete,” “Converted in Past 3 Years” sets as CK-1I.
+
+“Ground Rent” set as standard CK1, with Y/N and checkboxes.
+
+“Annual Amount,” “Expires” set as TXR-I, TXR.
+
+“Description of Ground Rent” set as TXC-B1 (bold lead in to Myriad Pro Regular text) X 22
+picas.
+
+Cooperative Information (H1)
+
+Left-hand side of page
+
+•
+
+“Shares Issued and Outstanding,” “Shares Attributable to Subject Property” set as TXR-B, TXR.
+
+Right-hand side of page
+
+•
+
+“Proprietary Lease Expires” sets as TXR-B, TXR.
+
+Project Blanket Financing (CK-H2)
+
+• Y/N checkboxes flush right at 22 picas, offset 2 points from H2 rule.
+
+Appendix E: Report Style Guide
+
+Page 55 of 90
+
+Version 1.4
+
+Left-hand side of page
+
+•
+
+“Pro Rata Share” sets as TXR-B, TXR.
+
+Project Blanket Financing table
+
+• Set equal column table x 45 picas, number of columns equals number of Liens + 1, headings:
+(TCH) “Lien Detail,” “First Lien,” “Second Lien, “Third Lien,” “Fourth Lien” if applicable per
+iGuide.
diff --git a/chunks/txt/315b23db6747950ca1986bc19e3f074890bd5506dc1cbb92b20117624a77549c.txt b/chunks/txt/315b23db6747950ca1986bc19e3f074890bd5506dc1cbb92b20117624a77549c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fb205997e6197947d0d207d051600fb41e63ddc3
--- /dev/null
+++ b/chunks/txt/315b23db6747950ca1986bc19e3f074890bd5506dc1cbb92b20117624a77549c.txt
@@ -0,0 +1,3 @@
+© 2024 Fannie Mae. Trademarks of Fannie Mae.
+
+12.18.24 2 of 2
diff --git a/chunks/txt/315f77e2e4439f04aff8acd40139debdef02e3869dcd876af373dfcfc72b87a9.txt b/chunks/txt/315f77e2e4439f04aff8acd40139debdef02e3869dcd876af373dfcfc72b87a9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ca732d51e090068d4b31c57a216c1fba90f62fce
--- /dev/null
+++ b/chunks/txt/315f77e2e4439f04aff8acd40139debdef02e3869dcd876af373dfcfc72b87a9.txt
@@ -0,0 +1,67 @@
+Uniform Appraisal Dataset (UAD) Specification
+
+Issued by Fannie Mae and Freddie Mac
+Appendix D-1: Condominium Scenario 2
+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 condominium, and the site is not owned in common. The rights to the land
+are owned by the homeowner, and the homeowner is responsible for the maintenance of the dwelling.
+The legal description references condominium.
+
+The home has one level above grade, one level below grade (walkout basement), and noncontinuous
+finished space above the garage. It is new construction in a community with a country club and golf
+course. Membership in the country club is mandatory for anyone who purchases a home in this
+community. The subject has a golf course view.
+
+Key Characteristics
+
+• Parties associated with this transaction:
+
+o Lender
+o AMC (Client)
+o Appraiser
+
+• Market Value Condition: As Is
+• No Defects, Damages, or Deficiencies noted
+• Desktop appraisal
+
+o No subject property inspection by the appraiser (see also Cert 10)
diff --git a/chunks/txt/3160119c4363307d6b42cc83fb5836871c534bdb7ea299a7d5375b5b5e2ba738.txt b/chunks/txt/3160119c4363307d6b42cc83fb5836871c534bdb7ea299a7d5375b5b5e2ba738.txt
new file mode 100644
index 0000000000000000000000000000000000000000..549351c0e363b030e2ca1ee6472d45847f9bf7cc
--- /dev/null
+++ b/chunks/txt/3160119c4363307d6b42cc83fb5836871c534bdb7ea299a7d5375b5b5e2ba738.txt
@@ -0,0 +1,111 @@
+Cost Approach Developed by Appraiser
+
+Report
+Field ID
+
+Not on
+Report
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+This is an
+appraiser input
+that does not
+display
+
+Always required
+
+Yes | No
+
+Cost Approach Developed by Appraiser
+•
+•
+
+Yes (The Cost Approach section is included)
+No (The Cost Approach section is not included)
+
+Indicated Value by Cost Approach
+
+Information displaying at the top of the Cost Approach section is calculated or redisplayed from the subsections
+below.
+
+Report
+Field ID
+
+25.000
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Cost Approach: Indicated Value by Cost Approach
+
+Always displays
+
+Dollar amount
+
+Indicated Value
+by Cost
+Approach
+
+Calculated: The sum of the following:
+•
+•
+•
+•
+
+Depreciated Cost of Dwellings 25.001
+Depreciated Cost of Outbuildings 25.002 if applicable
+As Is Value of Site Improvements 25.003
+Opinion of Site Value 25.004
+
+25.001 Depreciated
+
+Always displays
+
+Dollar amount
+
+Cost of
+Dwellings
+
+Calculated: The sum of Estimated Dwelling Cost including depreciation 25.018,
+for all dwellings on the property.
+Note:
+•
+
+Reference the Depreciated Cost – Dwelling subsection for each dwelling.
+
+25.002 Depreciated
+
+Cost of
+Outbuildings
+
+Displays when there
+are outbuilding(s) that
+are considered real
+property
+
+Dollar amount
+
+Calculated: The sum of Estimated Outbuilding Cost including depreciation
+25.036, for all outbuildings that are considered real property (all outbuildings in
+the Cost Approach).
+Notes:
+•
+
+Reference the Depreciated Cost – Outbuilding subsection for each
+outbuilding that is considered real property.
+If there are no outbuildings in the Cost Approach, Depreciated Cost of
+Outbuildings does not display.
diff --git a/chunks/txt/3166d63b09020adf07b10532bf27b67edba9dd0e370ad370c15a89658faa7b92.txt b/chunks/txt/3166d63b09020adf07b10532bf27b67edba9dd0e370ad370c15a89658faa7b92.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0001e44bc9e93370eb2e74cfe0cb7b7e5836c15c
--- /dev/null
+++ b/chunks/txt/3166d63b09020adf07b10532bf27b67edba9dd0e370ad370c15a89658faa7b92.txt
@@ -0,0 +1,28 @@
+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.
+
+Freddie Mac Form 465H April 2022
+
+Page 5 of 6
+
+Fannie Mae Form1073 Hybrid April 2022
+
+Individual Condominium Unit Appraisal Report (Hybrid)
+
+File #
+
+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).
+
+22. I am aware that any disclosure or distribution of this appraisal report by me or 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.
+
+23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage
+insurers, government sponsored enterprises, and other secondary market participants may rely on this appraisal report as part
+of any mortgage finance transaction that involves any one or more of these parties.
diff --git a/chunks/txt/3169cbed1e7b2e9315bcc606347739ba1ea4916ce43987bc9879ad161fd25345.txt b/chunks/txt/3169cbed1e7b2e9315bcc606347739ba1ea4916ce43987bc9879ad161fd25345.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0d829f7a508a37a341fd1929cf1f93ea630f6813
--- /dev/null
+++ b/chunks/txt/3169cbed1e7b2e9315bcc606347739ba1ea4916ce43987bc9879ad161fd25345.txt
@@ -0,0 +1,51 @@
+Federal Housing Finance Agency
+
+10
+
+UAD PUF Version 2.1 Data Documentation
+
+Information Quality Criteria
+
+5. Describe the granularity (i.e., amount of
+disaggregation) of any key estimates.
+Granularity can be expressed in units of time,
+level of geographic detail available, or the
+amount of detail available on any number of
+characteristics.
+6. Where applicable, describe any known
+major or significant errors in the underlying
+source data used to create the product.
+7. Where applicable, describe how users can
+estimate errors, such as errors from sampling.
+8. Where applicable, describe the consistency
+or comparability with estimates contained in
+other products published by FHFA.
+
+9. Where applicable, describe the steps taken
+to ensure the product protects the privacy and
+confidentiality of underlying entity (e.g.,
+borrower, business) reflected in the source
+data, where applicable.
+10. Where applicable, describe the
+verification and validation steps taken to
+ensure errors are not introduced in the
+production process.
+
+11. Where applicable, describe the “chain of
+custody” of the product from its verification
+and validation to when it is posted on the
+website.
+
+Response
+conducted between January 1, 2017, and December
+31, 2022 associated with mortgage loans insured by
+FHA.
+The UAD Appraisal-Level PUF includes a sample of
+appraisal records. Users can utilize the data fields in
+the file to produce estimates by year, various
+geographic levels, and numerous characteristics.
+
+FHFA is not aware of any major or significant errors
+in the UAD appraisal records. Where applicable,
+FHFA made fixes to correct minor data quality errors.
+Described in Section 5.
diff --git a/chunks/txt/31977ceb44ff0c9439d77eac7500bbfbd51aa5cd8dcc3367548744630e4bf17e.txt b/chunks/txt/31977ceb44ff0c9439d77eac7500bbfbd51aa5cd8dcc3367548744630e4bf17e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..68889fcb25265fcad449bf39b524a01e930b575e
--- /dev/null
+++ b/chunks/txt/31977ceb44ff0c9439d77eac7500bbfbd51aa5cd8dcc3367548744630e4bf17e.txt
@@ -0,0 +1,144 @@
+Unit Interior - Building 2 - Unit 2
+
+Area Breakdown
+
+Finished Above Grade
+Unfinished Above Grade
+Finished Below Grade
+Unfinished Below Grade
+
+Area Data Source
+
+Level and Room Detail
+
+864 Sq. Ft.
+0 Sq. Ft.
+0 Sq. Ft.
+0 Sq. Ft.
+Assessor Record
+Physical Measurement
+
+Levels in Unit
+Occupancy
+Utilities Separately Metered
+Total Bedrooms
+Total Bathrooms - Full
+Total Bathrooms - Half
+
+1
+Owner
+Yes
+2
+1
+0
+
+Level in Unit
+Level 1
+
+Grade Level Detail
+Above Grade
+
+Finish
+Finished
+
+Area
+864 Sq. Ft.
+
+Room Summary
+1 - Bath - Full
+2 - Bedroom
+1 - Kitchen
+1 - Living Room
+
+Quality and Condition
+
+Interior Quality Rating
+
+Q5
+
+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 1
+
+Update Status
+Partially Updated
+
+Time Frame
+5–10 years
+
+Quality Comment
+Add comment if
+needed.
+
+Condition Status
+Typical Wear and Tear
+
+Partially Updated
+
+5–10 years
+
+Add comment if
+needed.
+
+Typical Wear and Tear
+
+Condition Comment
+Some hardware noted
+to be missing from
+cabinets.
+
+Newer laminate floor
+installed. Some cabinet
+hardware missing.
+
+Overall Update Status for
+Bathrooms
+
+Moderately Updated
+
+Interior Features
+
+Feature
+Flooring
+
+Walls and Ceiling
+
+Overall Update Status for
+Flooring
+
+Detail
+Carpet
+
+Laminate
+
+8 Ft. | Flat
+
+Quality Comment
+Add comment if needed.
+
+Condition Status
+Typical Wear and Tear
+
+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
diff --git a/chunks/txt/319b0088bddaba232b8f428b99e9d9030fcaf9c36c3dc51b6f4940a5ddc6d6f1.txt b/chunks/txt/319b0088bddaba232b8f428b99e9d9030fcaf9c36c3dc51b6f4940a5ddc6d6f1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a2e109cc7948026a02f7c27d72c0e12f17d88a93
--- /dev/null
+++ b/chunks/txt/319b0088bddaba232b8f428b99e9d9030fcaf9c36c3dc51b6f4940a5ddc6d6f1.txt
@@ -0,0 +1,83 @@
+Topic
+
+ADDRESS
+
+Table 160. Consolidated Mapping Guidance
+
+Guidance
+
+The MISMO v3.3.0 reusable container ADDRESS is used in multiple locations within the
+Reference Model. It may be used as the ADDRESS for a PARTY or the ADDRESS for a PROPERTY.
+The context of its use is determined by the XPath:
+
+ADDRESS – PARTY
+
+ADDRESS – SUBJECT
+PROPERTY
+
+ADDRESS TYPE
+
+The ADDRESS for a PARTY is found at the end of the following XPath (pink in ADDRESS diagram,
+above):
+MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL
+_SET/DEALS/DEAL/PARTIES/PARTY/ADDRESSES/ADDRESS
+
+Property addresses are located at the end of the following XPath (blue in ADDRESS diagram,
+above).
+MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL
+_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/SUBJECT_PROPERTY/ADDRESS.
+
+For addresses associated with a PARTY, the data point AddressType qualifies all the data in
+ADDRESS by indicating what type of address it is (e.g., “Mailing,” “Corporate Headquarters,”
+etc.).
+
+ADJUSTMENT
+
+See “Interest Rate Adjustment” or “Principal and Interest Payment Adjustment”.
+
+ARC ROLES / XLINK
+
+See the sections A. Contact Table Relationships in the UCD File and A. Borrower and Seller
+Relationships to Signature Line.
+
+AMOUNT
+
+Amounts may be either positive or negative in the XML file. See 7. Potential Sign Conflicts
+section.
+
+Appendix E: UCD Implementation Guide
+
+Page 243 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+V. Consolidated Mapping Guidance
+
+Topic
+
+BOIL ERPLATE
+
+CON TEXT
+
+COUN T
+
+DATE FORMAT
+
+Table 160. Consolidated Mapping Guidance
+
+Guidance
+
+The form structure–the labels, tables, questions, answers, headings, headers and footers, and
+instructions—must be created by the system generating the paper copy. The UCD carries the
+data that will populate this structure, but it is important to note that in some cases, the UCD
+also conveys data points that become incorporated into the form structure.
+For example: While prescribed response phrases must be presented for any “YES” answer in
+the Loan Terms table, the data components embedded in the response phrases are taken
+from UCD data points. The amount in the statement, 4.3.3 “Can go as high as $1,870” is
+represented in the XML file as a single data point:
+PrincipalAndInterestPaymentMaximumAmount = “1870.00.” Notice that the underlying data
+point value must be formatted for correct representation on the form with a dollar sign and
+comma. The text surrounding this value is document boilerplate. The boilerplate components
+with a UCD contribution are identified as part of the mapping discussion in each section.
diff --git a/chunks/txt/31b2ceb8bf18fbe8bbf9189b0924649047204466a1e990e2b6bd096dca9fe734.txt b/chunks/txt/31b2ceb8bf18fbe8bbf9189b0924649047204466a1e990e2b6bd096dca9fe734.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bbba01605be43dac6e71a135e048e02ba0a40ab3
--- /dev/null
+++ b/chunks/txt/31b2ceb8bf18fbe8bbf9189b0924649047204466a1e990e2b6bd096dca9fe734.txt
@@ -0,0 +1,94 @@
+Appendix E: UCD Implementation Guide
+
+Page 69 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+4.0 Loan Terms
+
+The period for the principal and interest payment amount is dynamically presented in the form label (as shown
+in the Figure below) based on the loan’s payment schedule.
+
+4.0 Loan Terms
+
+Can this amount increase after closing?
+
+4.2 Interest Rate
+
+4.2.1 3.875%
+
+4.2.2 NO
+
+4.2.3
+
+4.3 Monthly Principal & Interest
+See Projected Payments below for your
+Estimated Total Monthly Payment
+
+4.3.1 $761.78
+
+4.3.2 NO
+
+4.3.3
+
+Figure 41. Periodic Principal and Interest Payment Period
+
+Table 57. Periodic Principal & Interest Payment Period
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point
+
+MISMO v3.3.0
+Value
+
+Notes
+
+...Principal &
+Interest
+
+…/LOAN/PAYMENT
+/PAYMENT_RULE
+
+PaymentFrequency
+Type
+
+Monthly
+
+ID
+
+4.3
+
+4. 3. 1 PRI NCI PAL AND I NTEREST PAYMENT AMOUNT
+
+The payment amount is the actual initial payment dollar amount unless the payment will adjust based upon an
+external interest rate that is not known at consummation. Although a different data point is used to represent
+the P&I payment amount on the form in each case, the actual representation on the form is identical, and is
+shown on the following figure.
+
+4.0 Loan Terms
+
+Can this amount increase after closing?
+
+4.3 Monthly Principal & Interest
+
+4.3.1 $761.78
+
+4.3.2 NO
+
+4.3.3
+
+See Projected Payments below for your
+Estimated Total Monthly Payment
+
+Figure 42. P&I Payment Known at Consummation
+
+a. PAYMENT AMOUNT KNOWN AT CONSUMMATION
+
+The example illustrated in the table below is for a P&I payment known at consummation.
diff --git a/chunks/txt/31b390f1f907f85b04812f5365d94be49d392ad36cddb29fcf513508196ea783.txt b/chunks/txt/31b390f1f907f85b04812f5365d94be49d392ad36cddb29fcf513508196ea783.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f2854810e17cd32509ec679749ba623e02582766
--- /dev/null
+++ b/chunks/txt/31b390f1f907f85b04812f5365d94be49d392ad36cddb29fcf513508196ea783.txt
@@ -0,0 +1 @@
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/691","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/31caf6c680afdbf9b140e0852e6a12c1cc642d7fbeb844e7be9669364127a6b0.txt b/chunks/txt/31caf6c680afdbf9b140e0852e6a12c1cc642d7fbeb844e7be9669364127a6b0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a90527ed109d6ca8d36f1232b1bc16f1338ed41b
--- /dev/null
+++ b/chunks/txt/31caf6c680afdbf9b140e0852e6a12c1cc642d7fbeb844e7be9669364127a6b0.txt
@@ -0,0 +1,58 @@
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 61 of 166
+
+UAD 3.6 Policy
+
+Eligible Transactions
+
+The following are eligible for a hybrid appraisal:
+
+existing one-unit properties (including those with an ADU(s) and units in a condo or PUD);
+
+•
+• principal residence, second home, or investment properties;
+• under construction properties;
+•
+•
+
+existing properties with incomplete construction or renovation project;
+community land trusts, or other properties with resale price restrictions, which include loan casefiles using the
+Affordable LTV feature; and
+Texas 50(a)(6) loans.
+
+•
+
+The transaction must be a purchase, limited cash-out refinance, or cash-out refinance.
+
+Ineligible Transactions
+
+The following transactions are not eligible for a hybrid appraisal:
+
+two- to four-unit properties;
+co-op units;
+
+•
+•
+• manufactured homes;
+• proposed construction;
+•
+• HomeStyle Renovation and HomeStyle Refresh loans;
+• DU loan casefiles that receive an Ineligible recommendation; and
+• manually underwritten loans.
+
+construction-to-permanent loans (single-close and two-close);
+
+Exercising Hybrid Appraisals
+
+When exercising a hybrid appraisal, the lender must complete all of the following:
+
+• obtain a property data collection and successfully submit to the Fannie Mae Property Data API.
+• provide the property data collection to an appraiser for the completion of a hybrid appraisal.
+•
+• perform an appraisal review in accordance with this Guide.
+• deliver the loan with the hybrid appraisal to Fannie Mae.
+
+submit the hybrid appraisal to the Uniform Collateral Data Portal (UCDP).
+
+Representations and Warranties
diff --git a/chunks/txt/31e7754943fbe3e1f56246aee25fc1e2d85b00981a34b56ee4b3bcf1c23aeaba.txt b/chunks/txt/31e7754943fbe3e1f56246aee25fc1e2d85b00981a34b56ee4b3bcf1c23aeaba.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fe9272eaee3aa6f79eed2de6391d2ae79054b03c
--- /dev/null
+++ b/chunks/txt/31e7754943fbe3e1f56246aee25fc1e2d85b00981a34b56ee4b3bcf1c23aeaba.txt
@@ -0,0 +1,119 @@
+Kitchen and Bathroom Details
+
+Room
+Kitchen
+Level 1
+
+Bath – Full
+Level 1
+
+Bath – Full
+Level 1
+
+Update Status
+Not Updated
+
+Time Frame
+
+Not Updated
+
+Not Updated
+
+Quality Comment
+Upgraded cabinetry,
+ceramic tile flooring,
+and upgraded
+appliances
+
+Standard grade
+cabinetry and
+plumbing fixtures
+
+Standard grade
+cabinetry and
+plumbing fixtures
+
+Condition Status
+Typical Wear and Tear
+
+Condition Comment
+
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+Overall Update Status for
+Bathrooms
+
+Not Updated
+
+Interior Features
+
+Feature
+Flooring
+
+Walls and Ceiling
+
+Detail
+Carpet
+
+Ceramic Tile
+
+8 Ft. | Flat
+
+Overall Update Status for
+Flooring
+
+Not Updated
+
+Quality Comment
+
+Condition Status
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+Condition Comment
+
+Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K
+
+Uniform Residential Appraisal Report
+
+Page 6 of 19
+Page 6 of 19
+
+Unit Interior (continued)
+
+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.
diff --git a/chunks/txt/31f5ca35d20614dcaf4001823de2ea21b5a8ea6315deeb162d1ed285e7990dbb.txt b/chunks/txt/31f5ca35d20614dcaf4001823de2ea21b5a8ea6315deeb162d1ed285e7990dbb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ccfba8b99df26f8d036ca011bef5e3a103b638a4
--- /dev/null
+++ b/chunks/txt/31f5ca35d20614dcaf4001823de2ea21b5a8ea6315deeb162d1ed285e7990dbb.txt
@@ -0,0 +1 @@
+if (window.ytcsi) {window.ytcsi.tick('gcc', null, '');} ytcfg.set({"CSI_SERVICE_NAME": 'youtube', "TIMING_INFO": {}}) if (window.ytcsi) {ytcsi.infoGel({serverTimeMs: 257.0 }, '');}
diff --git a/chunks/txt/320e5057ff2140ed317e525e023a52e29e037ae9b23b6866a6fc52a8fe6a9f14.txt b/chunks/txt/320e5057ff2140ed317e525e023a52e29e037ae9b23b6866a6fc52a8fe6a9f14.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0d8f83e1d3745839d86ea27fabbb9d1ae3c65959
--- /dev/null
+++ b/chunks/txt/320e5057ff2140ed317e525e023a52e29e037ae9b23b6866a6fc52a8fe6a9f14.txt
@@ -0,0 +1,46 @@
+[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](/)
+ - [News](/news)
+ - [News Releases](/news/news-release)
+ - FHFA Releases Data Visualization Dashboard For Enterprises’ Multifamily Mortgage Acquisitions
+
+News Release
+
+# FHFA Releases Data Visualization Dashboard for Enterprises’ Multifamily Mortgage Acquisitions
+
+for immediate release
+
+09/17/2024
+
+**Washington, D.C.** – The Federal Housing Finance Agency (FHFA) released an interactive tool for tracking data on multifamily mortgages that enables users to review details about loans and properties at both the state and national levels.
diff --git a/chunks/txt/3212cd550304c8133c2b4b7cd5cb4ad810e315d5341467730a7abb45862e80a6.txt b/chunks/txt/3212cd550304c8133c2b4b7cd5cb4ad810e315d5341467730a7abb45862e80a6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1110adda8bdf692781b6cbc3baf1865f10cc996a
--- /dev/null
+++ b/chunks/txt/3212cd550304c8133c2b4b7cd5cb4ad810e315d5341467730a7abb45862e80a6.txt
@@ -0,0 +1,44 @@
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 62
+
+IMPROVEMENT_COST Element
+
+In each instance of the IMPROVEMENT_COST_AND_DEPRECIATED_VALUE container, information about the costs to replace/reproduce the
+structure must be delivered in the IMPROVEMENT_COST container.
+
+• Within the IMPROVEMENT_COST container, the REPLACEMENT_REPRODUCTION_COST container must repeat for each area of the
+
+structure where costs to reproduce/replace are being estimated.
+
+o For example, when replacement/reproduction cost is provided for “Above Grade Finished Area” and “Built-in Garage”, two
+
+instances of the REPLACEMENT_REPRODUCTION_COST containers must be provided.
+
+IMPROVEMENT_DEPRECIATION Element
+
+In each instance of the IMPROVEMENT_COST_AND_DEPRECIATED_VALUE container, information about the depreciation related to the
+structure must be included in the IMPROVEMENT_DEPRECIATION container.
+
+This section describes how to package the UAD XML file, appraisal report, and the associated images. The same requirement applies for
+Appraisal Update and Completion Report as well.
+
+Create one .zip file for each appraisal (not to exceed 60 mb). The .zip file must include:
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+• One UAD 3.6 XML file
+• One Appraisal Report PDF (including the embedded images)
+•
+
+Images folder includes images associated with this appraisal (e.g., .jpeg, .png)
+
+Creation of .zip File
+
+• Create a directory for the Report
+
+Page 63
+
+• Place the Appraisal Report and UAD XML file in this directory and create subdirectory (folder) called Images for the images.
+
+• Place the images in the Images subdirectory
diff --git a/chunks/txt/32140e6060b7ba57a35a20019422609fb1b49229e6c3d9fca839ce5ee4ac62d5.txt b/chunks/txt/32140e6060b7ba57a35a20019422609fb1b49229e6c3d9fca839ce5ee4ac62d5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8cf9e512e4772d16cc33d1486261381980772f35
--- /dev/null
+++ b/chunks/txt/32140e6060b7ba57a35a20019422609fb1b49229e6c3d9fca839ce5ee4ac62d5.txt
@@ -0,0 +1,15 @@
+[**Appendix D-3: Completion Report Sample Scenarios and XML Files**](/media/document/zip/appendix-d-3-completion-report-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.
+
+[**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-3: Completion Report Reference Guide**](/media/document/pdf/appendix-f-3-completion-report-reference-guide)
+
+This document provides guidance on how to enter information and how the data will be displayed in the Completion Report.
+
+[**Appendix H-3: UAD Compliance Rules – Completion Report**](/media/document/xlsx/appendix-h-3-uad-compliance-rules-completion-report)
+
+This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Completion Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness.
diff --git a/chunks/txt/3218f06c7091d9a25e714e512b791a1d1924af8aa710b0c2055b53763b48144b.txt b/chunks/txt/3218f06c7091d9a25e714e512b791a1d1924af8aa710b0c2055b53763b48144b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a594b7005eed9898c087bd92cd77d5e78079909f
--- /dev/null
+++ b/chunks/txt/3218f06c7091d9a25e714e512b791a1d1924af8aa710b0c2055b53763b48144b.txt
@@ -0,0 +1,42 @@
+Motivated, Short Sale, Estate Sale, etc.)
+
+• Date – OwnershipTransferDate (UID: 1800.0207, FID: 21.009) Display for each Comparable, in Transfer Date order starting with
+
+the most recent.
+
+o When one comparable property has multiple sales or transfers, each should display on a separate line in the table, in
+
+transfer date order beginning with the most recent. (Figure 21 - 3)
+
+• Amount – Provide OwnershipTransferTransactionAmount (UID: 1800.0208, FID: 21.010) when available, else provide
+
+OwnershipTransferAmountNotAvailableReasonType (UID: 1800.0205, FID: 21.010)
+
+• Data Source – DataSourceType (UID: 0700.0125, FID: 21.011) Display one or more data sources for each sale or transfer. When
+
+there are multiple data sources display them stacked. (Figure 21 - 3)
+
+o A relationship is required for each subject property data source. (See Arcroles/Data Relationships)
+
+• Analysis of Prior Sale and Transfer History of Comparable Sales – A comment is required in ValuationCommentText (UID:
+
+1600.0008, FID: 21.012) with ValuationAnalysisCategoryType (UID: 1600.0009, FID: 21.012) =
+“ComparablesPriorSalesAndTransferHistory”
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Figure 21 - 3
+
+Page 272
+
+Prior Sales and Transfer History Exhibits
+
+The Prior Sales and Transfer History Exhibits subsection displays only when images are provided.
+
+• Any images included must be delivered using ImageCategoryType (UID: 1400.0638, FID: 21.013.1) =
+
+“PriorSaleAndTransferHistoryExhibit”.
+
+• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 21.013.2)
+
+Prior Sales and Transfer History – Arcrole Relationships
diff --git a/chunks/txt/321e815e88d6aeceaf6b271c6996b533179ec9139672684d658a520885bc8296.txt b/chunks/txt/321e815e88d6aeceaf6b271c6996b533179ec9139672684d658a520885bc8296.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ee846fcc55b9f1904dc970e2e9d0b81c429126b5
--- /dev/null
+++ b/chunks/txt/321e815e88d6aeceaf6b271c6996b533179ec9139672684d658a520885bc8296.txt
@@ -0,0 +1,61 @@
+• Search option enhancements and new “Recently Viewed Files” section
+
+• Association of an Appraisal Update Report or a Completion Report with the original URAR
+
+April 2025 | 11
+
+How to Identify Property and Report Type
+without a Form Number
+
+Property and assignment information drive the request, not a
+form number
+
+• Property Valuation Method (Traditional, Hybrid, Desktop, Exterior Only)
+
+• Construction Method(s) for each dwelling (Manufactured, Site Built, etc.)
+
+• Property in Project / Project Legal Structure (Condo, Co-op, Condop)
+
+• Subject Site Owned in Common
+
+• Number of Units Excluding ADUs
+
+• Number of ADUs
+
+Note: You will continue to use information provided in Loan Product Advisor® (LPA®)
+and Desktop Underwriter® (DU®) to determine the minimum appraisal requirements.
+
+April 2025 | 12
+
+How to Identify Property and Report Type without a Form Number
+
+The Summary section
+of the URAR provides
+information that defines
+property and report type
+
+April 2025 | 13
+
+Mapping Legacy Forms to Redesigned URAR Property Type Characteristics
+
+Functioning without Form Numbers
+
+Functioning without Form Numbers: Mapping
+Legacy Forms to Redesigned URAR Property
+Type Characteristics highlights six UAD data
+points that drive the property type for the
+redesigned URAR.
+
+• The data that describes the subject property
+
+drives the appraisal report, not a form.
+
+• The URAR fills the gap on the properties that,
+due to certain property characteristics, did not
+fit on a legacy form.
+
+Use this document to:
+
+• Help understand how the URAR’s dynamic
+structure along with discrete and repeatable
+data replaces the legacy form numbers.
diff --git a/chunks/txt/3227e54aeae629a78baa09e84b2128ef6946153e3d57497e899196f19a06a06e.txt b/chunks/txt/3227e54aeae629a78baa09e84b2128ef6946153e3d57497e899196f19a06a06e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..889e6a95a4ca6de73134e8ce60977ded6242c5fa
--- /dev/null
+++ b/chunks/txt/3227e54aeae629a78baa09e84b2128ef6946153e3d57497e899196f19a06a06e.txt
@@ -0,0 +1,21 @@
+[View Program](/programs/housing-finance-examiner-commission)
+
+- ## Financial Technology (FinTech)
+
+FHFA’s Office of Financial Technology (Fintech) supports the Agency in developing strategies for FHFA’s regulated entities to advance fintech and innovation in housing finance in a safe and sound and equitable manner. 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.
+
+[View Program](/programs/fintech)
+
+- ## Fraud Prevention
+
+The Federal Housing Finance Agency (FHFA) is committed to combating mortgage fraud. Freddie Mac, Fannie Mae, and the Federal Home Loan Banks (the “regulated entities”) have a statutory obligation to report possible fraud and fraud to law enforcement authorities and regulatory agencies, including FHFA. FHFA’s work to ensure the safety and soundness of the regulated entities includes monitoring their fraud prevention programs and conducting risk-focused reviews of their financial crime risk management and regulatory compliance. FHFA coordinates with fellow regulatory and law enforcement agencies to foster open communication and collaboration in prevention of mortgage fraud.
+
+[View Program](/programs/fraud-prevention)
+
+- ## Loss Mitigation
+
+Fannie Mae and Freddie Mac have a number of aligned loss mitigation programs that are aimed at preventing foreclosures for delinquent borrowers. These programs include options for staying in or leaving their home.
+
+[View Program](/programs/loss-mitigation)
+
+- ## National Mortgage Database Program
diff --git a/chunks/txt/323e2e492e82f6e39a789ef23b346025589edee4cfe39317d90fb2102b9a881f.txt b/chunks/txt/323e2e492e82f6e39a789ef23b346025589edee4cfe39317d90fb2102b9a881f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7e060a87c0baed3f88e5d77a3eeaa24054dbcef3
--- /dev/null
+++ b/chunks/txt/323e2e492e82f6e39a789ef23b346025589edee4cfe39317d90fb2102b9a881f.txt
@@ -0,0 +1,91 @@
+Supervisor City
+
+The city in which the address of the
+supervisor is located.
+
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_City
+
+Supervisor State
+
+The state in which the address of the
+supervisor is located.
+
+Supervisor Postal
+Code
+
+Contact Point Value
+
+Contact Point Value
+
+The postal code (zip code in US) of the
+address of the supervisor. Zip code may
+be either 5 or 9 digits.
+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/SUPERVISOR/@_State
+
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_PostalCode
+
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/CONTACT_DETAIL/CO
+NTACT_POINT[@_Type='Phone']/@_Value
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/CONTACT_DETAIL/CO
+NTACT_POINT[@_Type='Email']/@_Value
+
+40
+
+2
+
+10
+
+12
+
+48
+
+48
+
+90
+
+25
+
+25
+
+25
+
+45
+
+45
+
+2
+
+10
+
+50
+
+50
+
+String
+
+String
+
+String
+
+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, 2-12b, 6-20b) 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, 2-12c, 6-20c), and must
+be represented consistently.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
diff --git a/chunks/txt/326fe2285643fc1e0aefa6d876e1615b8a70e74894363c738166a039f43c2a8d.txt b/chunks/txt/326fe2285643fc1e0aefa6d876e1615b8a70e74894363c738166a039f43c2a8d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..51f01005c742c6db51747755819f0a2bc69bb544
--- /dev/null
+++ b/chunks/txt/326fe2285643fc1e0aefa6d876e1615b8a70e74894363c738166a039f43c2a8d.txt
@@ -0,0 +1,66 @@
+B. Multifamily Rate Spread
+
+FHFA considered adding a new
+HMDA data field to the PUDB that
+would have designated the difference
+between the APR and the applicable
+Treasury rate for multifamily mortgages
+acquired by the Enterprise. Both
+Enterprises commented that they do not
+collect multifamily rate spread, and
+maintained that this data field is not
+applicable to multifamily lending under
+Regulation Z (12 CFR 226.1(c), which
+implements the Truth in Lending Act)
+and HOEPA. Fannie Mae contended
+that, for loans subject to Regulation Z,
+the reporting entity is required to
+provide information on certain ‘‘high-
+priced mortgage loans,’’ but stated that
+Regulation Z does not apply to
+extensions of credit to non-natural
+persons (citing to 12 CFR 226.3(a)(2)).
+Freddie Mac asserted that HMDA does
+not require the collection and reporting
+of data for purchased loans, and both
+Enterprises stated that requiring the
+collection of this data would involve
+considerable expense and impose a
+significant regulatory burden.
+
+Since the Enterprises are not currently
+
+collecting this data, and the data point
+is not a HMDA data element for the
+great majority of multifamily loans that
+the Enterprises purchase, as to which
+the borrowers are non-natural persons,
+and collecting the data would impose a
+substantial additional burden on the
+Enterprises while they are in
+conservatorship, FHFA is not requiring
+the Enterprises to collect and report this
+data for inclusion in the PUDB.
+
+C. Multifamily HOEPA Status
+
+FHFA considered adding a new
+HMDA data field to the PUDB that
+would have designated whether the
+multifamily loan acquired by the
+Enterprise is subject to HOEPA because
+the APR or the points and fees on the
+loan exceed the HOEPA triggers. Both
+Enterprises stated that they do not
+collect multifamily HOEPA status and,
+for the reasons discussed under the
+multifamily rate spread discussion
+above, maintained that this data field is
+also not applicable to multifamily
+lending under Regulation Z and
+HOEPA. Fannie Mae also stated that
+HOEPA applies ‘‘to a consumer credit
+transaction that is secured by the
+consumer’s principal dwelling’’ and
+does not apply to multifamily
+properties.
diff --git a/chunks/txt/327190ec56900474206f6b648ddf54374ff8a7135fd0ca607ef4389e46aaccab.txt b/chunks/txt/327190ec56900474206f6b648ddf54374ff8a7135fd0ca607ef4389e46aaccab.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cd365ff7f9587391467ba5f510ef9823571c4779
--- /dev/null
+++ b/chunks/txt/327190ec56900474206f6b648ddf54374ff8a7135fd0ca607ef4389e46aaccab.txt
@@ -0,0 +1,74 @@
+String
+
+This field should contain a description of the materials and condition of the interior
+walls.
+
+String
+
+This field should contain a description of the materials and condition of the trim/finish.
+
+String
+
+String
+
+This field should contain a description of the materials and condition of any bathroom
+wainscot.
+
+This field should contain a description of the materials and condition of the Interior
+Doors.
+
+Boolean
+
+A value of 'Y' indicates fireplace(s) exist, a value of 'N' indicates the box is not checked.
+
+UAD Instruction - Refer to Appendix D Improvements Section
+
+This field should be indicated if the
+value of field 2-57 (Amenity Count) is
+greater than zero.
+
+Numeric
+
+PDF Display Format:
+Whole numbers only.
+
+If none, then zero (0) should be entered.
+
+Boolean
+
+A value of 'Y' indicates woodstove(s) exist, a value of 'N' indicates the box is not
+checked.
+
+This field should be indicated if the
+value of field 2-59 (Amenity Count) is
+greater than zero.
+
+UAD Instruction - Refer to Appendix D Improvements Section
+
+String
+
+PDF Display Format:
+Whole numbers only.
+
+If none, then zero (0) should be entered.
+
+Boolean
+
+A value of 'Y' indicates a deck/patio exists, a value of 'N' indicates the box is not
+checked.
+
+String
+
+UAD Instruction - Refer to Appendix D Improvements Section
+This field should contain a description of the patio/deck. If there is no patio or deck,
+indicate 'None'.
+
+This field should be populated if the
+value indicated in field 2-61 (Amenity
+Detailed Description) is not equal to
+'None'
+
+Boolean
+
+A value of 'Y' indicates a porch/balcony exists, a value of 'N' indicates the box is not
+checked.
diff --git a/chunks/txt/327c4021ecec8f8d3cf6dae636d5fcc1514a197b153a2960747bb2d9df22a583.txt b/chunks/txt/327c4021ecec8f8d3cf6dae636d5fcc1514a197b153a2960747bb2d9df22a583.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a2f88b0744ec82e001d8f4bd4fc6c6478c1520f7
--- /dev/null
+++ b/chunks/txt/327c4021ecec8f8d3cf6dae636d5fcc1514a197b153a2960747bb2d9df22a583.txt
@@ -0,0 +1,18 @@
+---
+
+- [](https://www.facebook.com/FHFA)
+ - [](https://www.x.com/FHFA)
+ - [](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [](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\/34871","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\/news-release":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/3293d77b254febe396fb55b4bf623ca9ac9b2076786b625809ad1278cfc55883.txt b/chunks/txt/3293d77b254febe396fb55b4bf623ca9ac9b2076786b625809ad1278cfc55883.txt
new file mode 100644
index 0000000000000000000000000000000000000000..32de7d7e4dc0bac0b5f2899e6218bc0c3ad3ce38
--- /dev/null
+++ b/chunks/txt/3293d77b254febe396fb55b4bf623ca9ac9b2076786b625809ad1278cfc55883.txt
@@ -0,0 +1,10 @@
+As some banks use the ARM Index as the basis for adjusting the interest rates on adjustable-rate mortgages, FHFA created and designated as the replacement for the ARM Index a version of Freddie Mac’s 30-year [Primary Mortgage Market Survey® (PMMS®)](http://www.freddiemac.com/pmms/) that adjusts for differences between the two. This new index is called “MIRS Transition Index” and will be published on fhfa.gov on the final Thursday of every month. June 2019 was the first MIRS Transition index value to be published. The MIRS Transition index is intended to be used in lieu of the discontinued index for currently outstanding loans, and not as a reference rate on newly-originated adjustable-rate mortgages. The MIRS Transition Index was briefly referred to as PMMS+. It is not a replacement for PMMS.
+
+## MIRS Transition Index
+
+---
+
+**MIRS Transition Index**
+**Release Dates** **Index Value** December 2025 6.29 November 2025 6.34 October 2025 6.57 September 2025 6.71 August 2025 6.83 July 2025 6.80 June 2025 6.61 May 2025 6.64 April 2025 6.88 March 2025 6.92 February 2025 6.59 January 2025 6.77 December 2024 6.31 November 2024 6.19 October 2024 6.48 September 2024 6.88 August 2024 6.94 July 2024 7.08 June 2024 6.87 May 2024 6.73 April 2024 6.63 March 2024 6.65 February 2024 6.94 January 2024 7.49 December 2023 7.56 November 2023 7.17 October 2023 6.95 September 2023 6.95 August 2023 6.68 July 2023 6.34 June 2023 6.26 May 2023 6.72 April 2023 6.11 March 2023 6.32 February 2023 6.32 January 2023 7.07 December 2022 6.91 November 2022 5.88 October 2022 5.21 September 2022 5.50 August 2022 5.22 July 2022 5.29 June 2022 4.99*
+*revised May 2022 3.84 April 2022 3.68 March 2022 3.44 February 2022 3.09 January 2022 2.97 [MIRS Transition Index Data File (CSV)](/document/mirs-historical-data-file)
+[Historical MIRS Transition Index](/data/mirs/history)
diff --git a/chunks/txt/3296a57420bfe67bb2198b8eb51115b0437b7911a37e9443f1a8ef592f9d6f33.txt b/chunks/txt/3296a57420bfe67bb2198b8eb51115b0437b7911a37e9443f1a8ef592f9d6f33.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e91daa8479a645282fb5ec90c8c29ac9b0f668d8
--- /dev/null
+++ b/chunks/txt/3296a57420bfe67bb2198b8eb51115b0437b7911a37e9443f1a8ef592f9d6f33.txt
@@ -0,0 +1,92 @@
+o
+
+If state law mandates a different measurement standard, choose
+Other and enter the name of the standard.
+
+Note: When state law requires a standard other than ANSI, apply the standard
+to the appropriate finished and unfinished areas.
+
+Image(s)
+
+If a sketch is provided, it is displayed with the caption “Sketch”. An additional
+caption may be provided.
+
+Image(s)
+
+If a floor plan is provided, it is displayed with the caption “Floor Plan”. An
+additional caption may be provided.
+
+See
+iGuide
+
+Sketch
+
+Floor Plan
+
+See
+iGuide
+
+Either a sketch or floor
+plan is required if
+Sketch or Floor Plan
+Provided is Yes
+
+Either a sketch or floor
+plan is required if
+Sketch or Floor Plan
+Provided is Yes
+
+Sketch Commentary
+
+Sketch Commentary
+
+Report
+Field ID
+
+7.003
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Sketch
+Commentary
+
+If applicable
+
+Free-form
+
+Definition / Additional Guidance
+
+Any required ANSI Declaration(s)
+
+Provide commentary pertinent to the sketch or floor plan, including:
+•
+• When state law or local jurisdiction requires a standard other than ANSI
+•
+
+Reason(s) the sketch or floor plan was not provided
+
+Appendix F-1: URAR Reference Guide
+
+Page 91 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+08 Dwelling Exterior
+
+08 Dwelling Exterior
+
+The Dwelling Exterior section provides information about the exterior of each dwelling, and mechanical system
+details. This includes style, construction method, and features (exterior walls and trim, foundation, roof and
+windows). The section repeats for each dwelling on the property. The Dwelling Exterior section provides space
+for additional commentary, exhibits, and any apparent defects, damages, or deficiencies related to the dwelling
+exterior or mechanical systems.
+• Conditionality of this section is limited to each structure that is identified as a dwelling.
+• Outbuilding information is captured in the Outbuilding section.
+• Some information displays for both dwellings and outbuildings. The “When to Include” column in this
diff --git a/chunks/txt/329e6a02f44dec39e1454a4412354d64eb5c2741e4810fcc0b998c855aa53feb.txt b/chunks/txt/329e6a02f44dec39e1454a4412354d64eb5c2741e4810fcc0b998c855aa53feb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..284d3e6c98c7751c548dcaf41885ebf7cfa9108b
--- /dev/null
+++ b/chunks/txt/329e6a02f44dec39e1454a4412354d64eb5c2741e4810fcc0b998c855aa53feb.txt
@@ -0,0 +1,47 @@
+Page 288
+
+• Exterior Quality (FID: 22.08.07)
+• Exterior Condition (FID: 22.08.14)
+•
+Interior Quality (FID: 22.09.08)
+•
+Interior Condition (FID: 22.09.15)
+• ADU Interior Quality (FID: 22.10.07)
+• ADU Interior Condition (FID: 22.10.14)
+
+A description must be provided using ImprovementComponentQualitySummaryDescription (UID Subject - 1800.0293; UID Comp - 1800.0146)
+for each comparable and the subject.
+
+Exterior Quality and Condition
+
+The Exterior Quality and Condition subsection header displays when Homeowner Responsible for all Exterior Maintenance of Dwellings –
+HomeownerResponsibleForExteriorMaintenanceIndicator (UID: 0100.0046, FID: 3.016) = “true” for the subject property (ValuationUseType
+(UID: 0100.0043, FID: Not on report) = “Subject”).
+
+Note: Note: For properties with multiple dwellings, exterior quality and condition repeats for each
+
+dwelling and starts with the Structure ID row in bold text. (Figure 22 - 15)
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Figure 22 - 15
+
+Page 289
+
+There are 13 defined rows in Exterior Quality and Condition.
+
+➢
+➢
+➢
+
+3 rows are conditionally required (If Applicable) – with the same conditionality as the Exterior Quality and Condition gray bar
+8 rows may be provided (If Relevant)
+Additional rows may be added
+
+Interior Quality and Condition
+
+Interior Quality and Condition always displays and repeats in the sales comparison approach for each unit.
+
+• For a single-family, only one unit displays in the sales grid and Structure ID and Unit ID are not applicable.
+• For properties with multiple units, the interior quality and condition information repeats for each unit.
+• Accessory Dwelling Units (ADUs) are addressed separately in the following subsection.
diff --git a/chunks/txt/32a482fec7e66c8ae63ceb7093c93a092b1b450e9442fff3f6d26d6b38c6ea0d.txt b/chunks/txt/32a482fec7e66c8ae63ceb7093c93a092b1b450e9442fff3f6d26d6b38c6ea0d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d00a06d9b2b92771e4c30d139adfa61eb549e4ba
--- /dev/null
+++ b/chunks/txt/32a482fec7e66c8ae63ceb7093c93a092b1b450e9442fff3f6d26d6b38c6ea0d.txt
@@ -0,0 +1,128 @@
+2
+
+2
+
+5
+
+6
+
+Numeric
+
+Numeric
+
+Numeric
+
+String
+
+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:
+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 Bathrooms Only.
+
+PDF Display Format:
+Full Bath Count.Half Bath Count
+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:
+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.
+
+5
+
+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
+
+Form FNM 2055 FRE 2055
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 190 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
+
+255
+
+2
+
+e-19
+
+SALES
+COMPARISON
+APPROACH
+
+Basement & Finished
+(line 1)
+
+(Basement Finish Square
+Footage)
diff --git a/chunks/txt/32b161e4cc5782ae3d853500fa54f0384cfbdacc97e514bbf4f50f6f7798cc73.txt b/chunks/txt/32b161e4cc5782ae3d853500fa54f0384cfbdacc97e514bbf4f50f6f7798cc73.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3ed1a89c2f56c33ced3c35e11b04c0115a1aa5da
--- /dev/null
+++ b/chunks/txt/32b161e4cc5782ae3d853500fa54f0384cfbdacc97e514bbf4f50f6f7798cc73.txt
@@ -0,0 +1,93 @@
+designed.
+Note: If this answer is selected, individual damages and structural issues must be reported in the Apparent Defects,
+Damages, and Deficiencies (Unit Interior) subsection.
+
+Appendix F-1: URAR Reference Guide
+
+Page 139 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+10 Unit Interior
+
+Flooring Condition Status (Choose one for each Flooring Type)
+
+Definition / Additional Guidance
+
+The flooring is missing its final finish.
+Note: When Flooring Type is Subflooring Only, select this answer and indicate the location of the missing flooring in
+Condition Comment (10.048).
+
+Allowable Answer
+
+No Finish
+
+Walls and Ceiling
+
+The appraiser must provide information about the walls and ceilings in the unit. The Walls and Ceiling row
+always displays in the Interior Features table. The information in this row applies to all walls and ceilings in the
+unit.
+
+Unit Interior - Interior Features: Walls and Ceiling
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+10.044
+
+Feature
+
+Always required
+
+10.045 Detail
+
+Always required
+
+10.045 Detail
+
+Always required
+
+Allowable
+Answers / Format
+
+Reference the
+Definition /
+Additional
+Guidance column
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+Choose one or
+more allowable
+answers from
+table (Ceiling
+Style)
+
+Definition / Additional Guidance
+
+Interior Feature
+• Walls and Ceiling
+
+Note: Photo(s) of the walls and ceiling may be provided, which display in Unit
+Interior Exhibits, with the caption “Walls and Ceiling”. An additional caption
+may be provided to further identify the photo.
+
+Ceiling Height(s): The approximate ceiling height(s) in the unit, rounded to the
+nearest foot.
+•
+•
+•
+•
+•
+•
diff --git a/chunks/txt/32b74999ecba176ad0cd0737a8655f5bd4c06d718b8364d0bd97ad09154151b7.txt b/chunks/txt/32b74999ecba176ad0cd0737a8655f5bd4c06d718b8364d0bd97ad09154151b7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..370969825dc999f39fb456bd2a6d5935f14919d3
--- /dev/null
+++ b/chunks/txt/32b74999ecba176ad0cd0737a8655f5bd4c06d718b8364d0bd97ad09154151b7.txt
@@ -0,0 +1,60 @@
+Table 55. XML File Container Structure for Loan Identification Data.
+
+UCD UIDs
+
+999.234
+
+Containers
+
+LOAN_IDENTIFIERS
+
+999.235
+
+LOAN_IDENTIFIER
+
+999.236
+
+LOAN_IDENTIFIER
+
+UCD Usage Notes
+
+Groups one or more pairs of identifier type and value data
+points.
+
+One instance of LOAN_IDENTIFIER is always required with
+LoanIdentifierType = “LenderLoan”
+
+Up to 3 additional instances of LOAN_IDENTIFIER may be
+provided as applicable.
+
+Some data points ending in the term “Identifier” must be paired with an additional data point to identify what the number
+stands for. The data point ending in “Identifier” provides the identifier value, and an associated data point ending in
+“IdentifierType” indicates what the number is. For example, on the CD, Loan ID # is provided using LoanIdentifierType =
+“LenderLoan” to describe the identifier, and LoanIdentifier to provide the loan number.
+
+Figure 91. Rendering Loan Identification Data on the CD.
+
+3.0 Loan Information
+
+3.5 Loan ID # 123456789
+
+The three other loan numbers that should be provided in the XML file if applicable are:
+
+1. LoanIdentifierType = “MERS_MIN” if the loan has been registered with the Mortgage Electronic Registry System (MERS).
+
+2. LoanIdentifierType = “AgencyCase” if the MortgageType = “FHA”, “USDA,” or “VA”.
+
+3. LoanIdentifierType = “Other” plus LoanIdentifierTypeOtherDescription = “UniversalLoan” if a universal loan ID exists.
+
+Table 56. UCD v2.0 Spec Excerpt - Loan Identifiers-Conventional Loan 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/L
+OAN_IDENTIFIERS/LOAN_IDENTIFIER
diff --git a/chunks/txt/32b751195bc1f50196cca0e1adcce012628451a453ce029b6e0213fa8d8a1b14.txt b/chunks/txt/32b751195bc1f50196cca0e1adcce012628451a453ce029b6e0213fa8d8a1b14.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0bd6b8ca089354924ebe43727c664cec9d7b51c5
--- /dev/null
+++ b/chunks/txt/32b751195bc1f50196cca0e1adcce012628451a453ce029b6e0213fa8d8a1b14.txt
@@ -0,0 +1,74 @@
+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
+
+1
+
+1
+
+Boolean
+
+Boolean
+
+One and only one of fields 1-220, 1-221
+(Property Analysis Type = 'PhysicalDeficiency'
+and values of Property Analysis Exists
+Indicator) should be indicated.
+
+One and only one of fields 1-220, 1-221
+(Property Analysis Type = 'PhysicalDeficiency'
+and values of Property Analysis Exists
+Indicator) should be indicated.
+
+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='PhysicalDeficie
+ncy']/@_Comment
+
+4000
+
+String
+
+This field should contain a description of physical deficiencies or adverse
+conditions that affect the livability, soundness, or structural integrity of the
+property.
+
+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 1-220
+(Property Analysis Type = 'PhysicalDeficiency'
+and Property Analysis Exists Indicator = 'Y')
+is indicated.
+
+Property Analysis
+Exists Indicator
+
+Indicates that the aspect of analysis is
+present in the property.
+
+/VALUATION_RESPONSE/PROPERTY/PRO
+PERTY_ANALYSIS[@_Type='ConformsToNei
+ghborhood' and @_ExistsIndicator='Y']
+
+Property Analysis
+Exists Indicator
+
+Indicates that the aspect of analysis is
+present in the property.
+
+/VALUATION_RESPONSE/PROPERTY/PRO
+PERTY_ANALYSIS[@_Type='ConformsToNei
+ghborhood' and @_ExistsIndicator='N']
diff --git a/chunks/txt/32bde0939ebd1851d6a44e22c955dc9e0d5a69c6448b3291bea928d7c0f3e971.txt b/chunks/txt/32bde0939ebd1851d6a44e22c955dc9e0d5a69c6448b3291bea928d7c0f3e971.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f2edf8ca6cc3a3051341075d04edaaec96c4df8b
--- /dev/null
+++ b/chunks/txt/32bde0939ebd1851d6a44e22c955dc9e0d5a69c6448b3291bea928d7c0f3e971.txt
@@ -0,0 +1,201 @@
+Vehicle
+Storage
+
+Sales Comparison
+Example (Comp #1)
+
+1
+
+Detached garage – vehicle
+storage only
+•
+
+Garage is heated.
+
+2
+
+3
+
+4
+
+Detached garage with
+additional separate area (no
+ADU)
+•
+•
+
+Has dividing wall.
+Garage is heated.
+
+Detached garage with ADU
+(no additional separate area)
+•
+Has dividing wall.
+•
+Garage is not heated.
+•
+ADU has heat and air
+conditioning.
+
+Workshop with ADU and
+vehicle storage
+•
+Has dividing walls.
+• Workshop and garage
+are not heated.
+ADU has heat and air
+conditioning.
+
+•
+
+5
+
+Oversized detached garage
+(no dividing wall)
+
+Workshop/
+Garage
+
+ADU/Garage
+
+For the
+ADU
+
+ADU/
+Workshop/
+Garage
+
+For the
+ADU
+
+√
+
+√
+
+√
+
+√
+
+√
+
+•
+
+•
+
+•
+
+•
+
+•
+
+•
+•
+
+•
+
+•
+•
+
+•
+
+•
+
+Heated detached
+garage with half bath
+Additional
+outbuilding:
+Greenhouse
+
+Detached garage
+with additional
+unfinished area
+(outbuilding:
+Shed/Garage)
+Garage is not heated.
+
+Heated detached
+garage with no
+additional separate
+area
+No outbuildings
+Below grade ADU in
+primary dwelling
+
+Heated detached
+garage with no
+additional separate
+area
+No outbuildings
+Below grade ADU in
+primary dwelling
+
+Detached garage
+with no extra area
+No outbuildings
+
+Relevant Sales
+Comparison
+Approach
+Subsections
+
+Cost
+Approach
+Subsection for
+Detached
+Garage
+
+Vehicle Storage
+Outbuilding
+
+As Is Value of
+Site
+Improvements
+
+Vehicle Storage
+Outbuilding
+
+Depreciated
+Cost -
+Outbuilding
+
+Unit(s) for the
+ADU
+Vehicle Storage
+
+Depreciated
+Cost -
+Outbuilding
+
+Unit(s) for the
+ADU
+Vehicle Storage
+Outbuilding
+
+Depreciated
+Cost –
+Outbuilding
+
+•
+•
+
+•
+•
+
+•
+
+•
+
+•
+
+•
+•
+
+•
+
+Vehicle Storage
+
+As Is Value of
+Site
+Improvements
+
+Appendix F-1: URAR Reference Guide
diff --git a/chunks/txt/32d32d50c4a86bcb778555a07b96e0f694810a5c198e98fa773522a9f350045c.txt b/chunks/txt/32d32d50c4a86bcb778555a07b96e0f694810a5c198e98fa773522a9f350045c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ef59a1642d82bda59aefd51108e414d322cbc41e
--- /dev/null
+++ b/chunks/txt/32d32d50c4a86bcb778555a07b96e0f694810a5c198e98fa773522a9f350045c.txt
@@ -0,0 +1,64 @@
+CU has identified market reaction
+to Basement & Finished Rooms
+Below Grade 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.
+
+1043
+
+1042
+
+1033
+
+1034
+
+1023
+
+1022
+
+1013
+
+1014
+
+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.
+
+CU has identified market reaction to Basement
+& Finished Rooms Below Grade 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.
+
+© 2022 Fannie Mae April 20, 2022 Page 2 of 4
diff --git a/chunks/txt/32d6ff6d47471f2d88b8b2648270091ec1b9582479314a853ea27e6e9c2e6e69.txt b/chunks/txt/32d6ff6d47471f2d88b8b2648270091ec1b9582479314a853ea27e6e9c2e6e69.txt
new file mode 100644
index 0000000000000000000000000000000000000000..278e3c30ff2adc4844d7833bb4acbf337d03f2b2
--- /dev/null
+++ b/chunks/txt/32d6ff6d47471f2d88b8b2648270091ec1b9582479314a853ea27e6e9c2e6e69.txt
@@ -0,0 +1,75 @@
+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.
+
+Numeric
+
+PDF Display Format:
+Full Bath Count.Half Bath Count
+n.n
+
+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.
+
+String
+
+String
+
+String
+
+String
+
+String
+
+String
+
+This field is required if the value of field e-
+19 (GSE Below Grade Finish Square Feet
+Number) is greater than zero.
+
+This field is required if the value of field e-
+19 (GSE Below Grade Finish Square Feet
+Number) is greater than zero.
+
+This field is required if the value of field e-
+19 (GSE Below Grade Finish Square Feet
+Number) is greater than zero.
diff --git a/chunks/txt/32d82a2192736f2f0c70f698352dab8d2e4cd4b0ee12da1cff64b0c14723a529.txt b/chunks/txt/32d82a2192736f2f0c70f698352dab8d2e4cd4b0ee12da1cff64b0c14723a529.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6237149d3f84d20d7fa7cf0573e71c7af503158e
--- /dev/null
+++ b/chunks/txt/32d82a2192736f2f0c70f698352dab8d2e4cd4b0ee12da1cff64b0c14723a529.txt
@@ -0,0 +1,78 @@
+11
+
+9
+
+income_annual
+
+Borrower’s (or
+Borrowers’) Annual
+Income
+
+999999999 = Not available
+
+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.
+
+For mortgages originated prior to the year of
+acquisition by an Enterprise, the borrower’s
+(or borrowers’) annual income, which is
+reported to FHFA by the Enterprises as an
+origination year value, was inflated by FHFA to
+an acquisition year value using the ratio of the
+area median family income estimates (see
+field #12) for the acquisition year and
+origination year for the MSA or county. Values
+are rounded to the nearest $1,000. The
+missing indicator has been expanded to 9
+digits beginning with the 2018 PUDB.
+
+SF CTF
+
+21
+
+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
+6
+
+12
+
+ami_hud
+
+Area Median Family
+Income (2024)
+
+999999 = Not available
+
+For properties in MSAs, the MSA median family
+income, and for properties outside MSAs, the
+county median family income or the State non-
+metropolitan median income, whichever is
+greater, for the reporting year (i.e. , the year of
+mortgage acquisition by the Enterprise). It is
+based on HUD’s median family income
+estimates as established annually for use in
+determining eligibility for various assisted
+housing programs. The values for this field are
+supplied by FHFA.
diff --git a/chunks/txt/32e418c6ec2c4f23e495d8848af0484d625d4c213273ad1c6c3d2c322119afab.txt b/chunks/txt/32e418c6ec2c4f23e495d8848af0484d625d4c213273ad1c6c3d2c322119afab.txt
new file mode 100644
index 0000000000000000000000000000000000000000..85d691ea55f107923593bc40011d29b74c53f692
--- /dev/null
+++ b/chunks/txt/32e418c6ec2c4f23e495d8848af0484d625d4c213273ad1c6c3d2c322119afab.txt
@@ -0,0 +1,52 @@
+Loan Delivery Enhancements
+Quick Guide for Loan Delivery Enhancements
+
+This Loan Delivery Enhancements guide provides access to Loan Delivery updates from 2023 in an easy-to-read format all in one document.
+
+Looking for business rules updates? Review the LD Edit Change Effective Date column on the Edits_LD tab in the Business Rules Dictionary for business rule updates.
+
+December 31, 2023
+
+In Case You Missed It
+
+Effective
+Date
+
+Impacted Area Description
+
+Jan. 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:
+
+Edits related to Closing Data changing to fatal severity.
+
+Jan. 20, 2023
+
+2023 Quality Mortgage
+(QM) Edits
+
+Loan Delivery edits related to loan eligibility APR-APOR thresholds and points and fees requirements were updated to
+reflect the 2023 allowable loan amounts and values, per the Consumer Finance Protection Bureau (CFPB). Review the
+updated Loan Delivery Information for Quality Mortgage job aid for additional information.
+
+Jan. 23, 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:
+
+• New warning edits related to Area Median Income (AMI), Appraisal Waiver, Closing Cost, and Down Payment.
+• Edits related to AMI, Closing Data, Eligibility, Mortgage Insurance (MI), Pool Prefix, Pool, Property Data, Unpaid
+
+Principal Balance (UPB), and Recast changing from warning to fatal severity.
+
+Feb. 20, 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:
diff --git a/chunks/txt/32e42f4df9bed15cef9ace079407997a08239d547bf4517df48c700202bd7d6d.txt b/chunks/txt/32e42f4df9bed15cef9ace079407997a08239d547bf4517df48c700202bd7d6d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..963fc874ccfb0e595dab0794c4cec2516d9ec1a5
--- /dev/null
+++ b/chunks/txt/32e42f4df9bed15cef9ace079407997a08239d547bf4517df48c700202bd7d6d.txt
@@ -0,0 +1,44 @@
+NOTE: Edit 3421 encompasses both 3419 and 3420 and will remain as part of the UCD Phase 2 Critical Edits.
+
+© 2021 Fannie Mae
+
+December 2021 Page 1 of 3
+
+Effective
+Date
+
+Impacted Area Description
+
+Warning-to-Fatal Edit 3421: 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, and the Loan Closing Adjustment Item Amount is provided, the Closing Adjustment Item Paid By
+Individual Full Name Or Closing Adjustment Item Paid By Legal Entity Full Name are required.
+
+November 2,
+2021
+
+UCD Critical Edit Phase
+2 – 4 Timeline
+
+Fannie Mae and Freddie Mac (the GSEs) published an updated timeline announcing new launch dates for the Uniform
+Closing Dataset (UCD) critical edits transition phases 2-4:
+
+September 17,
+2021
+
+UCD Phase 1 Edits
+
+• Phase 2: March 31, 2022
+• Phase 3: September 30, 2022
+• Phase 4: March 31, 2023
+
+The following UCD edits recently transitioned to a fatal severity on July 31, 2021, in the UCD Collection Solution, as part of
+the UCD Phase 1 critical edit transition implementation. In addition to the Phase 1 transition, the data points in these edits
+are required as part of the Qualified Mortgage (QM) revised rule and a valid value must be provided.
+
+To comply with the GSE’s QM revised rule the following edits have been updated to not allow a value of zero (0.00):
+
+• Fatal Edit 3027: Average Prime Offer Rate Percent is required. Data must be numeric up to 3 digits, with up to 4 decimal
+places.
+• Fatal Edit 3029: Regulation Z Total Loan Amount is required. Data must be numeric up to 9 digits, with up to 2 decimal
+places.
diff --git a/chunks/txt/32e50c5653e8c01ed721d129245ac8180107d1d7e0cf4fd208b677890082be1b.txt b/chunks/txt/32e50c5653e8c01ed721d129245ac8180107d1d7e0cf4fd208b677890082be1b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d4ffcadd8980c3e3a23f35151d5adeaab117b56a
--- /dev/null
+++ b/chunks/txt/32e50c5653e8c01ed721d129245ac8180107d1d7e0cf4fd208b677890082be1b.txt
@@ -0,0 +1 @@
+{"require":[["qplTimingsServerJS",null,null,["7600101225371791708","splash_screen_show"]]]} {"require":[["maybeDisableAnimations",null,null,[]]]} {"require":[["replaceNativeTimer",null,null,[]]]} {"require":[["bootstrapWebSession",null,null,[1769536460]]]} {"require":[["qplTagServerJS",null,null,[["not_accepts_html","aborting_preloading","comet_aa_coinflip:true","should_use_bt_safe_js","logged_out"]]]]} {"require":[["qplTimingsServerJS",null,null,["7600101225371791708","tierOne"]]]} {"require":[["CometSSRMergedContentInjector","ssrInit",null,[{"enabled":false,"cavalry_get_lid":"7600101225371791708","success_status":"success","disabled_status":"fail_ssr_disabled","bad_preloaders_status":"fail_bad_preloaders","eid":"mount_0_0_mL","should_ignore_static_id":true,"gks":{"comet_ssr_wait_for_dev":false,"mwp_ssr_enabled":true,"stop_render_at_splashscreen":false,"use_content_visibility_hidden":false,"comet_ssr_unhide_early":true,"enable_render_to_container":true,"use_on_payload_received_from_hack":false,"use_ssr_state_manager":false,"html_only_mode":false},"is_in_crawler_mode":false,"disabled_reason":"fail_bad_preloaders","client_request_id":"AO32a6ZDTs8lkm-UaXByu91"}]]]} {"require":[["JSScheduler","makeSchedulerGlobalEntry",null,["null",false,false]]]} {"require":[["ScheduledServerJS","handle",null,[{"__bbox":{"define":[["cr:310",["RunWWW"],{"__rc":["RunWWW",null]},-1],["cr:1078",[],{"__rc":[null,null]},-1],["cr:1080",["unexpectedUseInComet"],{"__rc":["unexpectedUseInComet",null]},-1],["cr:1126",["TimeSliceSham"],{"__rc":["TimeSliceSham",null]},-1],["cr:3725",["clearTimeoutWWWOrMobile"],{"__rc":["clearTimeoutWWWOrMobile",null]},-1],["cr:4344",["setTimeoutWWWOrMobile"],{"__rc":["setTimeoutWWWOrMobile",null]},-1],["cr:6640",[],{"__rc":[null,null]},-1],["cr:7385",["clearIntervalWWW"],{"__rc":["clearIntervalWWW",null]},-1],["cr:7386",["clearTimeoutWWW"],{"__rc":["clearTimeoutWWW",null]},-1],["cr:7388",["setIntervalWWW"],{"__rc":["setIntervalWWW",null]},-1],["cr:7389",["setIntervalAcrossTransitionsWWW"],{"__rc":["setIntervalAcrossTransitionsWWW",null]},-1],["cr:7390",["setTimeoutWWW"],{"__rc":["setTimeoutWWW",null]},-1],["cr:7391",["setTimeoutAcrossTransitionsWWW"],{"__rc":["setTimeoutAcrossTransitionsWWW",null]},-1],["cr:8959",["DTSG"],{"__rc":["DTSG",null]},-1],["cr:8960",["DTSG_ASYNC"],{"__rc":["DTSG_ASYNC",null]},-1],["cr:696703",["JSScheduler"],{"__rc":["JSScheduler",null]},-1],["cr:806696",["clearTimeoutComet"],{"__rc":["clearTimeoutComet",null]},-1],["cr:807042",["setTimeoutComet"],{"__rc":["setTimeoutComet",null]},-1],["cr:896461",["setIntervalComet"],{"__rc":["setIntervalComet",null]},-1],["cr:896462",["setIntervalComet"],{"__rc":["setIntervalComet",null]},-1],["cr:925100",["RunComet"],{"__rc":["RunComet",null]},-1],["cr:986633",["setTimeoutComet"],{"__rc":["setTimeoutComet",null]},-1],["cr:1003267",["clearIntervalComet"],{"__rc":["clearIntervalComet",null]},-1],["cr:686",[],{"__rc":[null,null]},-1],["cr:734",[],{"__rc":[null,null]},-1],["cr:755",["warningWWW"],{"__rc":["warningWWW",null]},-1],["cr:873",["InteractionTracing"],{"__rc":["InteractionTracing",null]},-1],["cr:1293",["ReactDOM.classic"],{"__rc":["ReactDOM.classic",null]},-1],["cr:2602",[],{"__rc":[null,null]},-1],["cr:5473",[],{"__rc":[null,null]},-1],["cr:7162",["ReactDOMCompatibilityLayer"],{"__rc":["ReactDOMCompatibilityLayer",null]},-1],["cr:7422",["ImageDownloadTrackerWWW"],{"__rc":["ImageDownloadTrackerWWW",null]},-1],["cr:8958",["FBJSON"],{"__rc":["FBJSON",null]},-1],["cr:12180",[],{"__rc":[null,null]},-1],["cr:15957",[],{"__rc":[null,null]},-1],["cr:719780",[],{"__rc":[null,null]},-1],["cr:1108857",[],{"__rc":[null,null]},-1],["cr:1294158",["React.classic"],{"__rc":["React.classic",null]},-1],["cr:1294159",["ReactDOM.classic"],{"__rc":["ReactDOM.classic",null]},-1],["cr:1752405",["QPLAddCometRequestHeaders"],{"__rc":["QPLAddCometRequestHeaders",null]},-1],["cr:1984081",[],{"__rc":[null,null]},-1],["cr:69",["CometRouterFocusRegion.react"],{"__rc":["CometRouterFoc
diff --git a/chunks/txt/32e5a3c93500b20d90ccda55cb28f1cb4224d057f2a0c72bd503d233ba86da3e.txt b/chunks/txt/32e5a3c93500b20d90ccda55cb28f1cb4224d057f2a0c72bd503d233ba86da3e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6921cb135549bb7fce933b01c7c34561366723bb
--- /dev/null
+++ b/chunks/txt/32e5a3c93500b20d90ccda55cb28f1cb4224d057f2a0c72bd503d233ba86da3e.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; SameSite=None";document.cookie="guest_id_ads=v1%3A176945514131215508; Max-Age=63072000; Expires=Thu, 27 Jan 2028 17:54:20 GMT; Path=/; Domain=.x.com; Secure; SameSite=None";document.cookie="personalization_id=\"v1_ZxYtfpcnT/iAIRObwCBB3g==\"; Max-Age=63072000; Expires=Thu, 27 Jan 2028 17:54:20 GMT; Path=/; Domain=.x.com; Secure; SameSite=None";document.cookie="gt=2016208166195777660; Max-Age=9000; Domain=.x.com; Path=/; Secure"; window.__INITIAL_STATE__={"optimist":[],"entities":{"broadcasts":{"entities":{},"errors":{},"fetchStatus":{}},"cards":{"entities":{},"errors":{},"fetchStatus":{}},"commerceItems":{"entities":{},"errors":{},"fetchStatus":{}},"communities":{"entities":{},"errors":{},"fetchStatus":{}},"conversations":{"entities":{},"errors":{},"fetchStatus":{}},"entries":{"entities":{},"errors":{},"fetchStatus":{}},"grokShare":{"entities":{},"errors":{},"fetchStatus":{}},"lists":{"entities":{},"errors":{},"fetchStatus":{}},"livestreams":{"entities":{},"errors":{},"fetchStatus":{}},"moments":{"entities":{},"errors":{},"fetchStatus":{}},"topics":{"entities":{},"errors":{},"fetchStatus":{}},"tweets":{"entities":{},"errors":{},"fetchStatus":{}},"articleEntities":{"entities":{},"errors":{},"fetchStatus":{}},"trustedFriends":{"entities":{},"errors":{},"fetchStatus":{}},"userPresence":{"entities":{},"errors":{},"fetchStatus":{}},"userCommunityInviteActionResult":{"entities":{},"errors":{},"fetchStatus":{}},"users":{"entities":{},"errors":{},"fetchStatus":{}},"aitrends":{"entities":{},"errors":{},"fetchStatus":{}},"userCommunityRoleRelationship":{"entities":{},"errors":{},"fetchStatus":{}},"publishedArticles":{"entities":{},"errors":{},"fetchStatus":{}}},"featureSwitch":{"defaultConfig":{"2fa_temporary_password_enabled":{"value":false},"account_country_setting_countries_whitelist":{"value":["ad","ae","af","ag","ai","al","am","ao","ar","as","at","au","aw","ax","az","ba","bb","bd","be","bf","bg","bh","bi","bj","bl","bm","bn","bo","bq","br","bs","bt","bv","bw","by","bz","ca","cc","cd","cf","cg","ch","ci","ck","cl","cm","co","cr","cu","cv","cw","cx","cy","cz","de","dj","dk","dm","do","dz","ec","ee","eg","er","es","et","fi","fj","fk","fm","fo","fr","ga","gb","gd","ge","gf","gg","gh","gi","gl","gm","gn","gp","gq","gr","gs","gt","gu","gw","gy","hk","hn","hr","ht","hu","id","ie","il","im","in","io","iq","ir","is","it","je","jm","jo","jp","ke","kg","kh","ki","km","kn","kr","kw","ky","kz","la","lb","lc","li","lk","lr","ls","lt","lu","lv","ly","ma","mc","md","me","mf","mg","mh","mk","ml","mn","mo","mp","mq","mr","ms","mt","mu","mv","mw","mx","my","mz","na","nc","ne","nf","ng","ni","nl","no","np","nr","nu","nz","om","pa","pe","pf","pg","ph","pk","pl","pm","pn","pr","ps","pt","pw","py","qa","re","ro","rs","ru","rw","sa","sb","sc","se","sg","sh","si","sk","sl","sm","sn","so","sr","st","sv","sx","sz","tc","td","tf","tg","th","tj","tk","tl","tm","tn","to","tr","tt","tv","tw","tz","ua","ug","us","uy","uz","va","vc","ve","vi","vn","vu","wf","ws","xk","ye","yt","za","zm","zw"]},"active_ad_campaigns_query_enabled":{"value":false},"ads_spacing_client_fallback_minimum_spacing":{"value":3},"ads_spacing_client_fallback_minimum_spacing_verified_blue":{"value":3},"arkose_challenge_lo_web_notification_dev":{"value":"BF5FA6C8-9668-4AF9-AFA2-E362F56E5B71"},"arkose_challenge_lo_web_notification_mobile_prod":{"value":"6A2FD110-7C1A-47CD-82EE-D01FFB4810D7"},"arkose_challenge_lo_web_notification_prod":{"value":"50706BFE-942C-4EEC-B9AD-03F7CD268FB1"},"arkose_challenge_login_web_devel":{"value":"DF58DD3B-DFCC-4502-91FA-EDC0DC385CFF"},"arkose_challenge_login_web_prod":{"value":"2F4F0B28-BC94-4271-8AD7-A51662E3C91C"},"arkose_challenge_onboard_prod":{"value":"4CB8C8B0-40FF-439C-9D0D-9A389ADA18CB"},"arkose_challenge_open_app_dev":{"value":"560C66A3-C8EB-4D11-BE53-A8232734AA62"},"arkose_challenge_open_app_prod":{"value":"6E
diff --git a/chunks/txt/32ee4e6b2aaf5a4ec69e8c504741566b1c4d0389fb4bece27ae804789149e141.txt b/chunks/txt/32ee4e6b2aaf5a4ec69e8c504741566b1c4d0389fb4bece27ae804789149e141.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9bb27bd914b76e0b5a9c8a953b6384a1a1c69cfc
--- /dev/null
+++ b/chunks/txt/32ee4e6b2aaf5a4ec69e8c504741566b1c4d0389fb4bece27ae804789149e141.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/mortgage-translations/interpretive-services"
+date_accessed: "2026-01-27T17:48:01.873Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/330764de09fd68fae9867da212990fd69a9cbb7e6806855562553362764c426c.txt b/chunks/txt/330764de09fd68fae9867da212990fd69a9cbb7e6806855562553362764c426c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..68849f43a9f199ae360384b158c77d9b47da7017
--- /dev/null
+++ b/chunks/txt/330764de09fd68fae9867da212990fd69a9cbb7e6806855562553362764c426c.txt
@@ -0,0 +1,85 @@
+Dollar amount
+
+The fee charged by the appraiser.
+
+Note: If not populated, Appraiser Fee does not display.
+
+08.003 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
+
+08.004 Government
+
+Agency
+
+08.005
+
+Investor
+Requested
+Special
+Identification
+
+Always required
+
+Yes | No
+
+Government Agency: Indicates whether the assignment has been prepared
+according to government agency requirements.
+
+Note: If not populated, AMC Fee does not display.
+
+Required if
+Government Agency is
+Yes
+
+FHA, USDA, or VA Government Agency Type: The agency that insures or guarantees the loan
+
+associated with the assignment.
+
+If applicable
+
+Free-form
+
+Notes: Valid values trigger display of FHA, VA, and / or USDA information
+throughout the Completion Report.
+
+When requested by the investor, special identification provided with the
+Completion Report (e.g., special pilot program, disaster, pandemic).
+
+Note: If not provided, Investor Requested Special Identification does not
+display.
+
+Appendix F-3: Completion Report Reference Guide
+
+Page 22 of 33
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+08 Assignment Information
+
+Contact Information
+
+This subsection includes information about the people and / or companies (“contacts”) that are pertinent to the
+completion report, including:
+• Clients, including lenders, AMCs, and other parties as identified by the appraiser
+• Appraiser and Supervisory Appraiser
+
+Select Role(s) for all the contacts that are identified in the Assignment Information section. When selecting
+Role(s) to associate with a contact, select the ones that most closely identify the role(s) the contact performed
+as part of the assignment.
+• Select as many Roles as are applicable but at least one for each identified contact.
diff --git a/chunks/txt/332c53068e7716106e785ef677bcd2bd18dd17f95ff9e3a3391d92133275bfe0.txt b/chunks/txt/332c53068e7716106e785ef677bcd2bd18dd17f95ff9e3a3391d92133275bfe0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..31ff81c91fded158b3ad492a684234547e15f26c
--- /dev/null
+++ b/chunks/txt/332c53068e7716106e785ef677bcd2bd18dd17f95ff9e3a3391d92133275bfe0.txt
@@ -0,0 +1,31 @@
+##### Test Cases
+
+- [UCD Integration Test Cases](/media/document/zip/appendix-g-ucd-sample-xml-files-zip)
+- [UCD Test Environment](/external-resource/ucd-test-environment)
+- [UCD Collection Solution Test Environment Overview](/media/document/pdf/ucd-cs-test-environment-overview)
+
+##### Frequently Asked Questions
+
+- [UCD](/delivering/uniform-mortgage-data-program/uniform-closing-dataset/faqs-uniform-closing-dataset)
+ - [UCD Collection Solution](/learning-center/delivering/uniform-closing-dataset-ucd-collection-solution/faqs-ucd-collection-solution)
+
+##### UCD Technology Service Providers List
+
+- [UCD Technology Service Providers List](/integrated-vendor-list)
+
+##### UCD Specification
+
+**Version 2.0 Spec**
+
+- [UCD v2.0 Specification](https://singlefamily.fanniemae.com/media/document/xlsx/ucd-v20-specification) **(Updated Dec. 15)**
+- [UCD v2.0 Quick Start Guide](https://singlefamily.fanniemae.com/media/document/pdf/ucd-v20-quick-start-guide)**(Updated Dec. 15)**
+- [UCD v2.0 Production Schema](/media/document/zip/ucd-v20-production-schema)
+- [UCD v2.0 Readiness Checklist – Lenders](/media/document/pdf/ucd-v20-readiness-checklist-lenders)
+- [UCD v2.0 Readiness Checklist – Direct Integrators](/media/document/pdf/ucd-readiness-checklist-direct-integrators)
+- [UCD v2.0 Implementation Guide](/media/document/pdf/ucd-v20-implementation-guide)
+- [UCD v2.0 Critical Edits Matrix](/media/document/xlsx/ucd-v20-critical-edits-matrix) **(Updated Dec. 15)**
+- [UCD v2.0 Sample CDs](/media/document/zip/ucd-v20-sample-cds)
+- [UCD v2.0 Sample XML Files](/media/document/zip/ucd-v20-sample-xml-files)
+- [UCD v2.0 Development Subschema](/media/document/zip/ucd-v20-development-subschema)
+- [Numbered Closing Disclosure](/media/document/pdf/ucd-numbered-closing-disclosure)
+**Version 1.5 Spec**
diff --git a/chunks/txt/3333610b94e0d57630c5073424f1abdc6f757c5ae28c510c80634297cf055ff8.txt b/chunks/txt/3333610b94e0d57630c5073424f1abdc6f757c5ae28c510c80634297cf055ff8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..62027585eaadcbc443bb97c8a235d76c47a06d85
--- /dev/null
+++ b/chunks/txt/3333610b94e0d57630c5073424f1abdc6f757c5ae28c510c80634297cf055ff8.txt
@@ -0,0 +1,38 @@
+September 9
+
+UCD Phase 3B
+Edit Updates
+
+The six edits below limiting Fee Type enumerations in certain Sections will be postponed from the Nov. 6 Phase 3B critical edits
+phase. On Sept. 9, these edits will be downgraded from “warning-to-fatal” to “warning” severity in Fannie Mae’s UCD
+Collection Solution and in the UCD Fannie Mae Connect reporting. These changes are intended to provide relief to customers
+who are experiencing high failure rates for edits validating fees delivered in certain sections.
+
+•
+
+•
+
+•
+
+•
+
+•
+
+•
+
+Edit 3527: A Fee Type provided in the Services Borrower Did Not Shop For section may not be a valid enumeration per
+that Integrated Disclosure Section Type.
+Edit 3528: A Fee Type provided in the Services Borrower Did Shop For may not be a valid enumeration per that Integrated
+Disclosure Section Type.
+Edit 3591: A Fee Type provided in the Other Costs section may not be a valid enumeration per that Integrated Disclosure
+Section Type.
+Edit 3606: Fee Types of 'RecordingFeeForDeed' and 'RecordingFeeForMortgage' are expected enumerations only in the
+Taxes and Other Government Fees section.
+Edit 3607: The Integrated Disclosure Section Type should be equal to Taxes and Other Government Fees when the Fee
+Type is equal to 'RecordingFeeTotal'.
+Edit 3609: The submission should not have more than one occurrence of a Fee Type equal to 'RecordingFeeTotal'. Please
+verify the data and resubmit.
+
+All other Phase 3B critical edits will transition to critical/fatal as planned on Nov. 6, 2023.
+
+See the Phase 3 Edits tab in the UCD Feedback Messages document for a list of the UCD Phase 3B edits. Please reference the
diff --git a/chunks/txt/33344a7011c151e69c5d6bc1c3fde0c3f8afb1616ad0e95c3b23a649e78a5bc8.txt b/chunks/txt/33344a7011c151e69c5d6bc1c3fde0c3f8afb1616ad0e95c3b23a649e78a5bc8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6d3a1eac3de71ea76b0117c5da03c0bd9d3d4163
--- /dev/null
+++ b/chunks/txt/33344a7011c151e69c5d6bc1c3fde0c3f8afb1616ad0e95c3b23a649e78a5bc8.txt
@@ -0,0 +1,41 @@
+A. The V30_B263-12_LDDReport
+
+V30_B263-12_LDDReport7 (Data Points Worksheet) is the primary LDD worksheet
+containing the alphabetical list of each of the data points (Simple Type XML elements)
+used in the V3.0 Reference Model. It can be used to answer the following questions about
+MISMO data points:
+
+Figure III-1. Questions Answered by the Data Points Worksheet.
+
+
+
+Is there a MISMO data point that maps to a data element in a business
+system, form, or requirement?
+
+ What data points are available in a given category (for example, Property)?
+
+ What is the correct spelling or definition of a data point?
+
+ What are the valid values for an enumerated data point?
+
+ Where in the Reference Model is a data point used?
+
+ Is it used more than once?
+
+The following sections describe each column in the Data Points Worksheet and explain
+what information they provide and how they are used.
+
+1. Data Point
+
+A “data point” is the term name determined by the submitting MISMO Workgroup for
+approval by the MISMO Core Data Structures Workgroup. The term name must
+comply with MISMO naming conventions and end with a MISMO Class Word to
+
+4 Microsoft is a Registered Trademark of the Microsoft Corporation. Excel is a copyrighted product of the Microsoft
+Corporation.
+5 The ULDDS does not use arc roles.
+6 Note that MISMO has released an errata to Version 3.0, V30_B263-14_LDDReport.xls; however, please be sure to
+use V30_B263-12_LDDReport.xls on the MISMO.org Web site for ULDDS.
+7 The MISMO Engineering Guideline (MEG) governing the form and content of the LDD, MEG_0016_v_1_1.pdf
+(Logical Data Dictionary Content & New Term Submission) can be found on the MISMO Web site at
+http://www.mismo.org/specs/v30-candidate-recommendation.html.
diff --git a/chunks/txt/333464a858c8dc2ce7a8d987c517ec98b8cc1937093b1679d5470f674ddb0d65.txt b/chunks/txt/333464a858c8dc2ce7a8d987c517ec98b8cc1937093b1679d5470f674ddb0d65.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5e0b4007471290b330af2cb46f118c5cd775b4fa
--- /dev/null
+++ b/chunks/txt/333464a858c8dc2ce7a8d987c517ec98b8cc1937093b1679d5470f674ddb0d65.txt
@@ -0,0 +1,100 @@
+Dwelling Exterior: Quality and Condition - Exterior Features - Other Feature
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+8.041
+
+Feature
+
+If applicable (Exterior
+Feature is Other)
+
+Free-form
+
+8.042
+
+Detail
+
+If Exterior Feature is
+Other
+
+Free-form
+
+Definition / Additional Guidance
+
+Exterior Feature Other Description
+Select Other (Describe) to enter an answer that is not in the Exterior Features
+list. Example: Ornamentation
+
+Other Exterior Feature Description: A brief description of the other feature.
+Example: Concrete cornices and frieze
+Note: For further expansion of commentary, use Dwelling Exterior Commentary
+(8.061).
+
+Appendix F-1: URAR Reference Guide
+
+Page 108 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+08 Dwelling Exterior
+
+Dwelling Exterior: Quality and Condition - Exterior Features - Other Feature
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+8.044
+
+Condition Status
+
+If Exterior Feature is
+Other
+
+Allowable
+Answers / Format
+
+Choose an
+allowable answer
+from table
+(Exterior Feature
+Condition Status)
+
+Definition / Additional Guidance
+
+Other Exterior Feature Condition Status: The condition status of the other
+exterior feature.
+•
+•
+•
+•
+
+New or Like New
+Typical Wear and Tear
+Damaged and Functional
+Damaged and Nonfunctional
+
+Notes:
+•
+
+If there are varying condition statuses for the other exterior feature,
+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/3341e4e1151447917a7b157b58b5f66f5d23e9a2aacb1e81f9649147b9b65939.txt b/chunks/txt/3341e4e1151447917a7b157b58b5f66f5d23e9a2aacb1e81f9649147b9b65939.txt
new file mode 100644
index 0000000000000000000000000000000000000000..97c319c27ae1eee8d5b44e41c13f5c77907cdfc3
--- /dev/null
+++ b/chunks/txt/3341e4e1151447917a7b157b58b5f66f5d23e9a2aacb1e81f9649147b9b65939.txt
@@ -0,0 +1,45 @@
+---
+
+## **October 2022**
+
+## **Public Listening Session: Financial Technology in Housing Finance**
+
+Date: 10/6/2022
+
+Time: 2:30 - 5:20 PM
+
+Location: Online Event
+
+[Agenda, Transcript, and Video](/programs/fintech)
+
+Click [here](/programs/fintech) to download and view a copy of the Fintech Privacy Act Statement.
+
+---
+
+## **September/October 2022**
+
+## [**Public Listening Session: FHLBank System at 100**](/programs/fhlbank-system-at-100-focusing-on-the-future)****
+
+Date: 9/29/2022, 9/30/2022, and 10/4/2022
+
+Time: 12:30 - 4:00 PM
+
+Location: Federal Housing Finance Agency, Constitution Center, 400 7th Street, SW, Washington, D.C. 20219
+
+Day one of the Listening Session was available in-person and virtual. Days two and three were virtual only.
+
+[Day 1 Agenda, Transcript, Presentations, and Video](/news/videos/fhlbank-system-at-100-public-listening-session-day-1)
+
+[Day 2 Agenda, Transcript, Presentations, and Video](/news/videos/fhlbank-system-at-100-public-listening-session-day-2)
+
+[Day 3 Agenda, Transcript, Presentations, and Video](/news/videos/fhlbank-system-at-100-public-listening-session-day-3)
+
+---
+
+## **July 2022**
+
+## **2022 Duty to Serve Public Listening Sessions**
+
+Date: 7/11/2022 - 7/13/2022
+
+[Affordable Housing Agenda, Presentations, and Video](/news/videos/2022-duty-to-serve-listening-session-affordable-housing-preservation)
diff --git a/chunks/txt/33461fed1e103d430aca38a40fdd483ef65f4551a0ddd3efce0ea1192ff0c230.txt b/chunks/txt/33461fed1e103d430aca38a40fdd483ef65f4551a0ddd3efce0ea1192ff0c230.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3d897efda1f6911675ae24c92ad010e51391bacc
--- /dev/null
+++ b/chunks/txt/33461fed1e103d430aca38a40fdd483ef65f4551a0ddd3efce0ea1192ff0c230.txt
@@ -0,0 +1,135 @@
+266
+
+2
+
+28
+
+SALES
+COMPARISON
+APPROACH
+
+Above Grade Room
+Count
+Total
+
+Total Room Count
+
+Specifies the total number of livable
+rooms.
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='0']/R
+OOM_ADJUSTMENT/@TotalRoomCount
+
+267
+
+2
+
+29
+
+SALES
+COMPARISON
+APPROACH
+
+Above Grade Room
+Count
+Bdrms.
+
+Total Bedroom Count
+
+Specifies the total number of
+bedrooms.
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='0']/R
+OOM_ADJUSTMENT/@TotalBedroomCount
+
+268
+
+2
+
+30
+
+SALES
+COMPARISON
+APPROACH
+
+Above Grade Room
+Count
+Baths
+
+Total Bathroom
+Count
+
+Specifies the total number of
+bathrooms.
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='0']/R
+OOM_ADJUSTMENT/@TotalBathroomCount
+
+269
+
+2
+
+31
+
+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_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='0']/S
+ALE_PRICE_ADJUSTMENT[@_Type='Gross
+LivingArea']/@_Description
+
+270
+
+2
+
+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_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='0']/C
+OMPARISON_DETAIL_EXTENSION/COMP
+ARISON_DETAIL_EXTENSION_SECTION[
+@ExtensionSectionOrganizationName='UNIFO
+RM APPRAISAL
+DATASET']/COMPARISON_DETAIL_EXTE
+NSION_SECTION_DATA/COMPARISON_D
+ETAIL/@GSEBelowGradeTotalSquareFeetNum
+ber
diff --git a/chunks/txt/334be81710481c11994d7e86a539c6baad88616dfbd31490b5e78ad7bd7b7168.txt b/chunks/txt/334be81710481c11994d7e86a539c6baad88616dfbd31490b5e78ad7bd7b7168.txt
new file mode 100644
index 0000000000000000000000000000000000000000..572518629f56626719fc56ee344118a55ba6e785
--- /dev/null
+++ b/chunks/txt/334be81710481c11994d7e86a539c6baad88616dfbd31490b5e78ad7bd7b7168.txt
@@ -0,0 +1,98 @@
+Seller Is Owner
+Indicator
+
+Indicates that the seller is the owner of
+the property.
+
+/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@SellerIs
+OwnerIndicator=‘Y’]
+
+CONTRACT
+
+Is the property seller the owner
+of public record?
+No
+
+Seller Is Owner
+Indicator
+
+Indicates that the seller is the owner of
+the property.
+
+/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@SellerIs
+OwnerIndicator=‘N’]
+
+1
+
+1
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Contract Section
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Contract Section
+
+CONTRACT
+
+Contract
+Data Source(s)
+
+Data Source
+Description
+
+A free-form text field used to describe the
+source of information.
+
+/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@DataSo
+urceDescription
+
+25
+
+String
+
+49
+
+CONTRACT
+
+Is there any financial assistance
+(loan charges, sale concessions,
+gift or down payment assistance,
+etc.) to be paid by any party on
+behalf of the borrower? Yes
+
+Sales Concession
+Indicator
+
+Indicates that someone made concessions
+for the current sales contract.
+
+/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT[@SalesC
+oncessionIndicator=‘Y’]
+
+1
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Contract Section
+
+Form FNM 2055 FRE 2055
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 174 of 211
+
+Document Version 1.4
+
+Allowable Values PDF Display
+ Comp Grid Page 1
+REOSale REO REO sale
+ShortSale Short Short sale
+CourtOrderedSale CrtOrd Court ordered sale
+EstateSale Estate Estate sale
+RelocationSale Relo Relocation sale
+NonArmsLengthSale NonArm Non-arms length sale
+ArmsLengthSale ArmLth Arms length sale
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+UAD Requirement - Refer to Appendix D Contract Section
diff --git a/chunks/txt/334db959015a8c7ac7977c5625c308119420a5d17d6013c21b069eb1f956a172.txt b/chunks/txt/334db959015a8c7ac7977c5625c308119420a5d17d6013c21b069eb1f956a172.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ba477483e58f53f0c63963ad2ba3be45544bfd19
--- /dev/null
+++ b/chunks/txt/334db959015a8c7ac7977c5625c308119420a5d17d6013c21b069eb1f956a172.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\/34866","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en"},"pluralDelimiter":"\u0003","suppressDeprecationErrors":true,"ajaxPageState":{"libraries":"eJyFUVF2hCAMvBDKkXgRouUJhkfiuvb0jSz9aWv3J0ySYZiECUWwOnwWYgxujklTtgEES_SrYjP9TVlwwwrJTAk-T9tixz4Bc4osPU8EocOMIULHhdKpYt8KpVKOjD2rMHd04FSMp4rWUy604SY8zh8zDMMPSzesmUi7N83LZtwWV2BBl-CkXW6YGx7s2lRv-i4K5hvS9cwgURIafEqK22pD3Quksafm4uk2ya_utaxWwAwxDbxP7GssEml71ZdEE2hDTr28tJrTLXrbnrsEh6YyaBDzms8FJdAD62nVm6dk-GS1bCfQ9e98BHYXtHOFjAfV1TyiDmdbHDOFXe3rt8xUs-3niAmzDjoGFLXKI8PjPUloWf7RysisC_vVv8IXs10N1w","theme":"fhfa","theme_token":null},"ajaxTrustedUrl":{"\/media":true,"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"blazy":{"loadInvisible":false,"offset":100,"saveViewportOffsetDelay":50,"validateDelay":25,"container":"","loader":true,"unblazy":false,"visibleClass":false,"compat":true},"blazyIo":{"disconnect":false,"rootMargin":"0px","threshold":[0,0.25,0.5,0.75,1]},"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/3354837d18644c4260d500c0bc99ebe5ae36fc51f58baf69151588fef14b6b99.txt b/chunks/txt/3354837d18644c4260d500c0bc99ebe5ae36fc51f58baf69151588fef14b6b99.txt
new file mode 100644
index 0000000000000000000000000000000000000000..810dbafb1b9ecd786199609488e89d0c28786ad6
--- /dev/null
+++ b/chunks/txt/3354837d18644c4260d500c0bc99ebe5ae36fc51f58baf69151588fef14b6b99.txt
@@ -0,0 +1,39 @@
+Document Version and Revision History .................................................................................. 4
+Introduction and Purpose................................................................................................. 5
+1.
+Implementation Guide Overview ...................................................................................... 5
+2.
+Introduction to MISMO Version 3.0 .................................................................................. 6
+3.
+Technical Overview ......................................................................................................... 7
+4.
+4.1. Appendix A: Fannie Mae XML Data Requirements (PDF version) ..................................... 8
+4.2. Appendix B: Fannie Mae Usage Scenarios ...................................................................... 8
+4.3. Appendix C: Fannie Mae XML Samples ........................................................................... 8
+4.4. Appendix D: Fannie Mae XML Data Reference (Excel version)......................................... 8
+5. Creating an XML File ..................................................................................................... 11
+5.1. XML Container Hierarchy............................................................................................... 12
+5.2. XML Container Description ............................................................................................ 13
+5.3. Loan Container Repeatability ......................................................................................... 15
+Loan Role........................................................................................................... 15
+5.3.1.
+5.3.2.
+Loan State .......................................................................................................... 15
+5.4. XLink 20
+5.5. Uniform Resource Identifier (URI) .................................................................................. 16
+5.6. UTF-8 Support .............................................................................................................. 17
+5.7. MISMO Version 3.0 Reference Model ............................................................................ 17
+5.8. Managing Loan Delivery XML File Imports ..................................................................... 17
+5.9. Special Characters ........................................................................................................ 18
+5.10. Data Format Types ........................................................................................................ 18
+5.11. Address Format Consideration....................................................................................... 19
+5.12. Supporting Extensions in MISMO Version 3.0 Reference Model ..................................... 19
+Actions Taken by the GSEs ................................................................................ 19
+5.12.1.
+How to invoke the ULDD extension ..................................................................... 20
+5.12.2.
+Declaring Data Points from Extended Containers ................................................ 21
+5.12.3.
+5.12.4.
+Universal Loan Identifier (ULI)............................................................................. 21
+6. Additional Resources..................................................................................................... 22
diff --git a/chunks/txt/3367564e6e1af5b82f2999095d4c147724646af3db20eceb3175894eeb331c17.txt b/chunks/txt/3367564e6e1af5b82f2999095d4c147724646af3db20eceb3175894eeb331c17.txt
new file mode 100644
index 0000000000000000000000000000000000000000..854ce652f259969d87dbc3a6c09486fcbdd123ed
--- /dev/null
+++ b/chunks/txt/3367564e6e1af5b82f2999095d4c147724646af3db20eceb3175894eeb331c17.txt
@@ -0,0 +1,19 @@
+Appraisal Version #
+
+(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21)
+
+(cid:38)(cid:65)(cid:78)(cid:78)(cid:73)(cid:69)(cid:0)(cid:45)(cid:65)(cid:69)(cid:0)(cid:92)(cid:0)(cid:38)(cid:82)(cid:69)(cid:68)(cid:68)(cid:73)(cid:69)(cid:0)(cid:45)(cid:65)(cid:67)(cid:0)
+(cid:51)(cid:69)(cid:80)(cid:84)(cid:69)(cid:77)(cid:66)(cid:69)(cid:82)(cid:0)(cid:18)(cid:16)(cid:18)(cid:20)(cid:0)
+
+(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/337caca04e1dd42d31353e987115288a734d9621128e2d5b38cb3e5d6f5c1d5a.txt b/chunks/txt/337caca04e1dd42d31353e987115288a734d9621128e2d5b38cb3e5d6f5c1d5a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fc258ff2f7b829b6a695556a241a7146ec95a107
--- /dev/null
+++ b/chunks/txt/337caca04e1dd42d31353e987115288a734d9621128e2d5b38cb3e5d6f5c1d5a.txt
@@ -0,0 +1,49 @@
+Jun 27, 2024
+
+Loan Delivery Test
+Environment
+
+Effective June 27, 2024, the Loan Delivery Test Environment, will extend its scheduled maintenance period each week due
+to ongoing maintenance. The downtime will be from 11 a.m. to 8 p.m. ET Thursday and 5 p.m. ET Saturday to 8 a.m. ET
+Sunday each week.
+
+Jul 22, 2024
+
+ULDD Phase 5
+
+To support the second implementation of ULDD Phase 5, Loan Delivery will introduce
+
+2nd Implementation
+
+• User Interface (UI) changes to the Loan Details page
+
+o Project information section: CPM Certification ID and CPM Phase ID
+o Appraisal information section: Construction Method
+o
+Indicators section: Remote Notarization Yes/No
+o General Loan Information section: MERS Status
+
+•
+
+Edit updates
+
+o New informational edits around Appraisal, Condo Project Manager (CPM), Remote Notarization Indicator, and
+
+MERS status. (Note: These edits are not displayed on the UI. Informational edits can be viewed on the “Edits
+CSV” export. Download the “Edit History CSV” export in Loan Delivery to view the edits)
+
+•
+
+File Validation Rule updates
+
+o Update file validation rule WN3760 to fire when new ULDD Phase 5 datapoints are submitted prior to
+
+implementation date. See the ULDD Phase 5 Specification Release Notes for details on implementation
+timelines.
+
+o New file validation rule, WN3800, to ensure data integrity around Condo Project Manager certification identifier
+
+and phase identifier
+
+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.
diff --git a/chunks/txt/338aabf71c09a390e2d9fb1773961555de78fdea5e4d2abdaa767761428a0225.txt b/chunks/txt/338aabf71c09a390e2d9fb1773961555de78fdea5e4d2abdaa767761428a0225.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bc08d774a45c2bc8128e7cabcea5ea18d591b2b2
--- /dev/null
+++ b/chunks/txt/338aabf71c09a390e2d9fb1773961555de78fdea5e4d2abdaa767761428a0225.txt
@@ -0,0 +1,58 @@
+IV. Discussion of Revisions to PUDB
+Matrices
+
+To implement the HERA amendments
+
+to sections 1323 and 1326 of the Safety
+and Soundness Act, FHFA has adopted
+an Order that revises the PUDB matrices
+to incorporate the HMDA data elements
+as applicable and requires the
+Enterprises to submit data in accordance
+with the revised matrices. The Order
+also makes a number of technical
+revisions to existing data fields in the
+PUDB matrices to conform the data
+fields to long-standing PUDB data
+reporting practice, to provide greater
+clarity, or to conform to the new
+statutory requirements. The revised
+matrices are included in an Appendix to
+the Order. Both the Order and Appendix
+are set forth at the end of this Notice of
+Order. Single-family and multifamily
+PUDB Data Dictionaries that further
+describe the data fields will be made
+available on FHFA’s public Web site at
+http://www.fhfa.gov/
+Default.aspx?Page=137.
+
+FHFA’s changes to the single-family
+
+and multifamily matrices are further
+described below.
+
+A. Expanded Values or Changed
+Descriptions
+
+To conform to HMDA reporting
+
+requirements, FHFA has expanded the
+values (or codes) or changed the
+descriptions of certain data fields in the
+PUDB matrices, as further discussed
+below.
+
+1. Single-family and Multifamily Data
+Field 0: Enterprise Flag
+
+This data field designates whether the
+mortgage was purchased by Fannie Mae
+or Freddie Mac. FHFA has changed the
+name of this data field from ‘‘agency
+flag’’ to ‘‘Enterprise flag’’ to avoid
+confusing this data field with HMDA’s
+‘‘agency code’’ data field (which is the
+
+originating lender’s regulatory agency
+code).
diff --git a/chunks/txt/33985c6e833dcf663f95543d29b81416646c71a80e8a5cecfac0d5cbc4b01fc8.txt b/chunks/txt/33985c6e833dcf663f95543d29b81416646c71a80e8a5cecfac0d5cbc4b01fc8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c5942a89ea64e50f2a4561ea5c1be4fc3e964963
--- /dev/null
+++ b/chunks/txt/33985c6e833dcf663f95543d29b81416646c71a80e8a5cecfac0d5cbc4b01fc8.txt
@@ -0,0 +1,101 @@
+*Does not apply to subject property.
+
+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
+The allowable values are listed below. When representing these values in the XML
+file, they must be shown exactly as they appear below:
+
+R
+
+R
+
+T
+
+R
+
+The sum of this field 2-53 and fields (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, 2-94, 2-96, 2-98, 2-100) must add up
+to Net Adjustment field 2-103.
+
+CR
+
+If the value of field e-29 is 'SettledSale', this
+field is required.
+
+CR
+
+284
+
+2
+
+e-26
+
+SALES
+COMPARISON
+APPROACH
+
+Concessions
+(Line 2)
+
+GSE Financing Type
+
+The type of financing associated with the
+comparable transaction.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM
+PARISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSI
+ON_SECTION[@ExtensionSectionOrganizationName='UNIFORM
+APPRAISAL
+DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/
+COMPARISON_DETAIL/@GSEFinancingType
+
+12
+
+Enumerated
+
+Allowable Values PDF Display
+FHA FHA
+VA VA
+Conventional Conv
+Cash Cash
+Seller Seller
+RuralHousing RH
+Other *
+
+*See field e-27 directly below.
+
+285
+
+2
+
+e-27
+
+SALES
+COMPARISON
+APPROACH
+
+Concessions
+(Line 2)
+
+GSE Financing Type
+Other Description
+
+Text entry for financing type if 'Other' is
+selected.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM
+PARISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSI
+ON_SECTION[@ExtensionSectionOrganizationName='UNIFORM
+APPRAISAL
+DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/
+COMPARISON DETAIL/@GSEFinancingTypeOtherDescription
diff --git a/chunks/txt/339c593f5e6cdba6838e38c482983c64b4aa01819b54cdc163636dea1d51082b.txt b/chunks/txt/339c593f5e6cdba6838e38c482983c64b4aa01819b54cdc163636dea1d51082b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8904a913310fab9b7cdcdab159a2b68f5111540f
--- /dev/null
+++ b/chunks/txt/339c593f5e6cdba6838e38c482983c64b4aa01819b54cdc163636dea1d51082b.txt
@@ -0,0 +1,70 @@
+All Rights Included in Appraisal
+
+0100.0034
+
+AllPropertyRightsAppraisedIndicator
+
+Display when LandOwnedInCommonIndicator = "false"
+
+Rights Not Included
+
+0100.0036
+
+PropertyPartialInterestType
+
+Display when AllPropertyRightsAppraisedIndicator = "false"
+
+3.029
+
+Mineral Rights Leased
+
+0100.0023
+
+MineralRightsLeasedIndicator
+
+Display when GovernmentAgencyAppraisalIndicator = "true" AND
+
+AppraisedIndicator = "false" AND
+(AllPropertyRightsAppraisedIndicator = "true" OR
+PropertyPartialInterestType <> "MineralRights")
+
+3.030
+
+Description of Rights Not Included
+
+0100.0038
+
+PropertyRightsNotAppraisedDescription
+
+Display when AllPropertyRightsAppraisedIndicator = "false"
+
+Figure 3 - 2
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Legal Description
+
+The Legal Description subsection always displays. The legal description is required either in text format or an image.
+
+• When Legal Description - ParcelsLegalDescription (UID: 0100.0067, FID: 3.031) is provided, the text displays. (Figure 3 - 3)
+
+Figure 3 - 3
+
+Page 111
+
+• When an image is provided for Legal Description, it must be delivered using ImageCategoryType (UID: 3000.0043, FID: 3.031.1) =
+
+“LegalDescription” and the image displays within the subsection below the gray bar. (Figure 3 - 4)
+
+Figure 3 - 4
+
+Subject Property Commentary
+
+The Subject Property Commentary subsection displays only when comments are provided. Any commentary must use
+ValuationCommentText (UID: 0100.0044, FID: 3.032) and ValuationAnalysisCategoryType (UID: 0100.0045, FID: Not on report) =
+“SubjectProperty”.
+
+
+
+SubjectProperty
+Additional commentary may be added here.
diff --git a/chunks/txt/33aec6419248327536973f8593174694ac44cf647f039a7b47e4f52d50be9c6a.txt b/chunks/txt/33aec6419248327536973f8593174694ac44cf647f039a7b47e4f52d50be9c6a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8638f3317d9d5af37ebabd9c193defcddd5d1fb1
--- /dev/null
+++ b/chunks/txt/33aec6419248327536973f8593174694ac44cf647f039a7b47e4f52d50be9c6a.txt
@@ -0,0 +1,87 @@
+Table 130. Loan Product and AP Table
+
+3.3 Loan Product Features
+
+Reflected in AP Table as:
+
+(A) Negative Amortization
+
+(B) Interest Only
+
+19.2 Optional Payments, 19.3 Step Payments
+
+19.1 Interest Only Payments
+
+(C) Step Payment (aka Graduated Payment)
+
+19.3 Step Payments
+
+(D) Balloon Payment
+
+(E) Seasonal Payment
+
+(See Reg §1026.37(a)(10))
+
+B. LOAN TERMS AND AP TABLES
+
+N/A – per Reg, balloon payment not considered a change to
+periodic payments
+
+19.4 Seasonal Payments
+
+Some of the payment adjustment information required for the AP Table has already been provided in 4.0 Loan
+Terms as part of the description of the increase to the Periodic Principal and Interest Payment. The following
+table shows similarities and differences between 4.3.3 in the Loan Terms table and the AP 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 131. Loan Terms and AP Tables
+
+Loan Terms Table (4.3)
+
+AP Table (19.0)
+
+ID (bullet)
+
+Form Field Name
+
+ID
+
+Form Field Name
+
+4.3.2
+
+Principal and Interest – Can this amount
+increase after closing? YES
+
+19.0 Adjustable Payment (AP) Table
+(If 4.3.2 = YES must be included)
+
+4.3.3 (3)
+
+4.3
+
+Includes only interest and no principal until
+year <#>
+ Principal & Interest
+
+Interest Only Payments for your first <#> payments
+
+19.1 |
+19.1.1
+19.5 Principal and Interest Payments
+
+4.3.3 (1) Adjusts every <#> years…
+4.3.3 (1)
+
+…starting in year <#>
+
+N/A
+N/A
+
+N/A
+
+19.6 First Change / Amount …. At <#> payment
+
+19.6 First Change / Amount <$> Min to <$> Max …
+19.7 Subsequent Changes Every <#> years**
diff --git a/chunks/txt/33c3e8839e2f72ec5b500ccfa13ac30736be4b1129d3ef860e35350fa724f45e.txt b/chunks/txt/33c3e8839e2f72ec5b500ccfa13ac30736be4b1129d3ef860e35350fa724f45e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..77e12b9864f661f5922091b47c9e187cfbb788ff
--- /dev/null
+++ b/chunks/txt/33c3e8839e2f72ec5b500ccfa13ac30736be4b1129d3ef860e35350fa724f45e.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/data/uad"
+date_accessed: "2026-01-27T17:50:58.639Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/33df6013bbbe4f43d434409f79c8bc6541ec424fbd6a741bf0dcc58ebbe32db8.txt b/chunks/txt/33df6013bbbe4f43d434409f79c8bc6541ec424fbd6a741bf0dcc58ebbe32db8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3d272baf63ca1c4a70a7933e151edc7ce4bc7e59
--- /dev/null
+++ b/chunks/txt/33df6013bbbe4f43d434409f79c8bc6541ec424fbd6a741bf0dcc58ebbe32db8.txt
@@ -0,0 +1,127 @@
+When Units
+Excluding
+ADUs for the
+subject is
+more than 1
+
+22.05.05
+22.05.27
+
+Noncontinuou
+s Finished
+Area
+
+If relevant
+
+Number of square
+feet
+
+Required if Units
+Excluding ADUs for the
+comp is 1, and the row
+is included in the sales
+comparison grid
+
+Yes
+22.05.22
+
+Note: If there are multiple dwellings, Year Built is displayed for each of
+them in the same row.
+
+Yes
+22.05.22
+
+Yes
+22.05.24
+
+Note: If Yes, Year Built displays with a tilde (~).
+
+The type of structural design when properties are connected.
+•
+High-rise
+• Mid-rise
+•
+Low-rise
+•
+Rowhouse / Townhouse
+•
+Semi-Detached
+•
+Other (Describe)
+
+Note: If there are multiple dwellings in an attached property, Structure
+Design is displayed for each of them in the same row.
+
+Yes
+22.05.26
+
+Total Gross Building Finished Area for Property
+Gross Building Finished Area (GBFA) for all dwellings regardless of grade
+level and whether the finished area is standard or nonstandard; includes
+common finished areas, ADUs (in dwellings), and below grade finished
+areas.
+
+Note: Does not include unfinished area.
+
+Dwelling Exterior, for
+each dwelling
+•
+
+Year Built 8.010
+
+Dwelling Exterior, for
+each dwelling
+•
+
+Year Built
+Estimated 8.010
+
+Dwelling Exterior, for
+each dwelling
+•
+
+Structure Design
+8.002
+
+The appraiser must
+enter the information
+for the subject
+property.
+
+Note: Displays in
+Income Approach, if
+applicable
+•
+
+Gross Building
+Finished Area
+24.003
+
+Dwelling Exterior
+•
+
+Yes
+22.05.28
+
+Notes:
+•
+
+Noncontinuous
+Finished Area
+Exists Not on
+Report
+Noncontinuous
+Finished Area
+8.047
+
+•
+
+For the subject property, If Noncontinuous Finished Area Exists is
+No, 0 displays. If there is no noncontinuous finished area for the
+comparable, report 0.
+For properties with more than 1 unit (Units Excluding ADUs is more
+than 1), report this area as part of GBFA (22.05.04 22.05.25) and
+not here.
+If the exact area is not known for the comparable, indicate that it is
+estimated in Reconciliation of Sales Comparison Approach
+(22.16.01).
diff --git a/chunks/txt/33e5fa945d38045deea447828759f7e6ea0a7f347a705eb8cdfb04856bd512e7.txt b/chunks/txt/33e5fa945d38045deea447828759f7e6ea0a7f347a705eb8cdfb04856bd512e7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..acf2975e4a13446b34d908668ae89ded8b7fcd89
--- /dev/null
+++ b/chunks/txt/33e5fa945d38045deea447828759f7e6ea0a7f347a705eb8cdfb04856bd512e7.txt
@@ -0,0 +1,35 @@
+- [1](?page=0)
+ - [2](?page=1)
+ - [3](?page=2)
+ - [Next](?page=1)
+ - [Last](?page=2)
+
+Sign up for email updates
+
+Leave this field blank
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [](https://www.facebook.com/FHFA)
+ - [](https://www.x.com/FHFA)
+ - [](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [](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/33fb9bcf03f6686aad9f9b9640e5473998d0020c755af79c2db3a82310d6f596.txt b/chunks/txt/33fb9bcf03f6686aad9f9b9640e5473998d0020c755af79c2db3a82310d6f596.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a5fe6acf9f8c14aea66efbe8daa061efbaf82dc7
--- /dev/null
+++ b/chunks/txt/33fb9bcf03f6686aad9f9b9640e5473998d0020c755af79c2db3a82310d6f596.txt
@@ -0,0 +1,91 @@
+Unit2--Affordable Category meets the housing goals implemented by HERA Section 1205
+1=yes;
+2=no
+
+Page 2 of 5
+
+Column
+
+49 Aff3
+
+50 Aff4
+
+51 Rent1
+
+52 Rent2
+
+53 Rent3
+
+54 Rent4
+
+55 RentUt1
+
+56 RentUt2
+
+57 RentUt3
+
+58 RentUt4
+
+59 Geog
+
+60 Rate
+61 Amount
+62 Front
+63 Back
+64 Borrower Credit Score
+
+65 Co-Borrower Credit Score
+
+66 PMI
+
+67 Self
+
+68 PropType
+
+69 ArmIndex
+
+70 ArmMarg
+
+71 PrepayP
+
+AMA_PUDB_Definitions_123113.xlsx
+
+Definition
+Unit3--Affordable Category meets the housing goals implemented by HERA Section 1205
+1=yes;
+2=no
+
+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
+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
+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
diff --git a/chunks/txt/3411d6234616f7dc3f71d08bb620877b40fa2f735afd994605e981a2c3e4604f.txt b/chunks/txt/3411d6234616f7dc3f71d08bb620877b40fa2f735afd994605e981a2c3e4604f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c610e368bf7899ce7a00703f390da8ccd940deb7
--- /dev/null
+++ b/chunks/txt/3411d6234616f7dc3f71d08bb620877b40fa2f735afd994605e981a2c3e4604f.txt
@@ -0,0 +1,28 @@
+The existing literature on homebuyer education and counseling (HEC) consists almost exclusively of evaluations of specific programs, generally using mortgage loan performance as the metric of success. This paper contributes to the literature in two ways. First, it provides evidence on the benefits...
+ - NMDB Staff Working Papers
+
+March 14, 2018
+
+## [NMDB Staff Working Paper 18-01: Mortgage Experiences of Rural Borrowers in the United States: Insights from the National Survey of Mortgage Originations](/research/papers/nmdb-wp1801)
+
+To date, research on rural mortgage markets in the United States has been limited by a lack of data on the specific mortgage experiences of borrowers living in rural areas. To fill this data gap, the National Survey of Mortgage Originations (NSMO) conducted a survey that oversampled people who took...
+
+Sign up for email updates
+
+Leave this field blank
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [](https://www.facebook.com/FHFA)
+ - [](https://www.x.com/FHFA)
+ - [](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [](https://www.linkedin.com/company/fhfa/)
diff --git a/chunks/txt/3423a3440c62670e69ce5310bfb95c603dace05668de4b7d567daa6870e9f914.txt b/chunks/txt/3423a3440c62670e69ce5310bfb95c603dace05668de4b7d567daa6870e9f914.txt
new file mode 100644
index 0000000000000000000000000000000000000000..aa0eeb0bca365cca238acfd26db373e8c06bfbea
--- /dev/null
+++ b/chunks/txt/3423a3440c62670e69ce5310bfb95c603dace05668de4b7d567daa6870e9f914.txt
@@ -0,0 +1,103 @@
+Not Updated
+
+No modernization and no renovation, refinishing, or remodeling to the flooring throughout the living unit; or any updates
+that have been made were completed in a timeframe that renders their impact negligible.
+
+Accessibility Features for Individuals with Disabilities
+
+The appraiser must report on all items in the unit that have been installed or modified that help accommodate
+individuals with disabilities. If there are no accessibility features in the unit (Accessibility Feature is None), this
+subsection does not display.
+
+Appendix F-1: URAR Reference Guide
+
+Page 144 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+10 Unit Interior
+
+Unit Interior – Accessibility Features
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+10.050
+
+Feature
+
+Always required
+
+Allowable
+Answers / Format
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+Definition / Additional Guidance
+
+Accessibility Feature: A feature designed to provide accessibility and usability
+for a person with disabilities.
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+Note: Elevators are reported in the Subject Property Amenities section.
+
+None
+Appliances
+Auditory
+Bathtub
+Cabinets
+Counters
+Doorways
+Electrical Switches
+Grab Bars
+Handrails
+Hardware
+Lighting
+Ramps
+Shower
+Sink
+Toilet
+Other (Describe)
+
+10.051 Comment
+
+If applicable for each
+identified Accessibility
+Feature
+
+Free-form
+
+Accessibility Feature Comment: Commentary on the customizations made.
+
+Apparent Defects, Damages, Deficiencies (Unit Interior)
+
+The appraiser must report any significant items pertaining to the unit interior, 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/342855cbf4a0ae91c6096f1c5cfb06064b70c02c9450f78c54b87a4d0b3b32fd.txt b/chunks/txt/342855cbf4a0ae91c6096f1c5cfb06064b70c02c9450f78c54b87a4d0b3b32fd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..891cdb855087774468091489ebf30643532b6cbb
--- /dev/null
+++ b/chunks/txt/342855cbf4a0ae91c6096f1c5cfb06064b70c02c9450f78c54b87a4d0b3b32fd.txt
@@ -0,0 +1,129 @@
+18.033
+18.042
+18.051
+18.060
+
+18.033
+18.042
+18.051
+18.060
+
+18.034
+18.043
+18.052
+18.061
+
+18.034
+18.043
+18.052
+18.061
+
+18.035
+18.044
+18.053
+18.062
+
+18.036
+18.045
+18.054
+18.063
+
+18.036
+18.045
+18.054
+18.063
+
+Report Label
+
+When to Include
+
+Monthly
+Payment
+
+Monthly
+Payment
+
+Interest Rate
+
+Interest Rate
+
+Amortization
+Type
+
+Required for each lien
+if Project Blanket
+Financing is Yes
+
+Required for each lien
+if Project Blanket
+Financing is Yes and
+Monthly Payment
+Known is Yes
+
+Required for each lien
+if Project Blanket
+Financing is Yes
+
+Required for each lien
+if Project Blanket
+Financing is Yes and
+Interest Rate Known is
+Yes
+
+Required for each lien
+if Project Blanket
+Financing is Yes
+
+Pro Rata Share
+of Balance
+Attributable to
+Unit
+
+Pro Rata Share
+of Balance
+Attributable to
+Unit
+(Maximum:)
+
+Required for each lien
+if Project Blanket
+Financing is Yes and
+Line of Credit is No
+
+Required for each lien
+if Project Blanket
+Financing is Yes and
+Line of Credit is Yes
+
+Allowable
+Answers / Format
+
+Yes | No
+
+Definition / Additional Guidance
+
+Is Monthly Payment Known: Indicates whether the payment amount is available
+from the blanket financing documents.
+If No, “Unknown” displays next to Monthly Payment.
+
+Dollar amount
+
+Monthly Payment: The total monthly payment amount for the loan.
+Note: Convert all lien payments to a monthly dollar amount.
+
+Yes | No
+
+Is Interest Rate Known: Indicates whether the interest rate is available from the
+blanket financing documents.
+If No, “Unknown” displays next to Interest Rate.
+
+Percent
+
+Interest Rate: The current interest rate for the loan.
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
diff --git a/chunks/txt/342b72fd55637ef1404a7133252e20fe82152ea6c7b5f1e78930c42db8b5b407.txt b/chunks/txt/342b72fd55637ef1404a7133252e20fe82152ea6c7b5f1e78930c42db8b5b407.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c2edb7b337d2c659fce81a6138257b5643b4f883
--- /dev/null
+++ b/chunks/txt/342b72fd55637ef1404a7133252e20fe82152ea6c7b5f1e78930c42db8b5b407.txt
@@ -0,0 +1,254 @@
+44828 Jane Ln
+Anytown, IL 54321
+
+28200 Mary Ln
+Anytown, IL 54321
+
+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
diff --git a/chunks/txt/342ce8c272c479a53309aebda7184a4852c98dc0d911539d9dff9a7d6b635cfe.txt b/chunks/txt/342ce8c272c479a53309aebda7184a4852c98dc0d911539d9dff9a7d6b635cfe.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c1b39a131cc661396fefda6d3fbc98fdbd8b5bfe
--- /dev/null
+++ b/chunks/txt/342ce8c272c479a53309aebda7184a4852c98dc0d911539d9dff9a7d6b635cfe.txt
@@ -0,0 +1,58 @@
+Uniform Residential Appraisal Report
+
+(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20)
+
+Page [Page] of [Pages]
+
+Vehicle Storage
+
+13.000
+Storage
+13.001
+
+Number of Parking Spaces
+13.002
+
+Detail
+13.003
+
+Apparent Defects, Damages, Deficiencies (Vehicle Storage)
+
+13.004
+
+The items listed below represent the As Is condition as of the effective date of this report
+
+Feature
+13.005
+
+Location
+13.006
+
+Description
+13.007
+
+Affects Soundness or
+Structural Integrity
+13.008
+
+Recommended
+Action
+13.009
+
+Vehicle Storage Commentary
+13.010
+Vehicle Storage Exhibits
+
+13.011.1 | 13.011.2(cid:3)
+13.001.1 | 13.001.2(cid:3)
+13.005.1 | 13.005.2
+
+Appraisal Version #
+
+(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:1)
+(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:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23)
+(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/342fdb0fe365ce4d9d36809feff6c7fcb6419d0b2a7e337a045f235c087b18ac.txt b/chunks/txt/342fdb0fe365ce4d9d36809feff6c7fcb6419d0b2a7e337a045f235c087b18ac.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9c11cae0e6c583cdacd73254b0e87ec0de9724e0
--- /dev/null
+++ b/chunks/txt/342fdb0fe365ce4d9d36809feff6c7fcb6419d0b2a7e337a045f235c087b18ac.txt
@@ -0,0 +1,128 @@
+Report Label
+
+When Displayed in
+Summary Section
+
+Allowable Answers /
+Format
+
+Origin of Information
+(Section)
+
+Definition / Additional Guidance
+
+Summary: Property Description
+
+1.016
+1.017
+1.018
+
+Condominium
+Cooperative
+Condop
+
+Checkboxes always
+display
+
+Displays an allowable
+answer from the
+Definition /
+Additional Guidance
+column
+
+Subject Property
+3.011 3.012 3.013
+•
+Property in a
+Project
+Project Legal
+Structure
+
+•
+
+1.019
+
+Observed
+Project
+Deficiencies
+
+1.020
+
+Subject Site
+Owned in
+Common
+
+Checkbox displays
+when the property
+is in a
+condominium,
+cooperative, or
+condop
+
+Checkbox always
+displays
+
+Yes | No
+
+Yes | No
+
+Project Information
+•
+Observed
+Deficiencies
+18.014
+
+Subject Property
+•
+
+Site Owned in
+Common 3.015
+
+1.021
+
+Units Excluding
+ADUs
+
+Always displays
+
+Number
+
+Subject Property
+•
+
+Units Excluding
+ADUs 3.005
+
+Checkboxes are checked based on:
+Property in a Project (Does not display)
+•
+
+Yes (the property is in a condominium,
+cooperative, or condop)
+No (the property is not in a condominium,
+cooperative, or condop)
+
+•
+
+Project Legal Structure indicates the type of project
+the property is in.
+
+The appraiser must observe the overall project.
+•
+
+If checked Yes, there are deficiencies, deferred
+maintenance, and / or critical repairs that impact
+the value and / or marketability of the subject
+property.
+
+Indicates whether land associated with the property is
+owned by an association.
+•
+
+Yes (the land supporting the dwelling is
+commonly owned through an association such as
+a condo, co-op or condop).
+No (the homeowner owns or leases the land sole
+and separate from another entity).
+
+•
diff --git a/chunks/txt/3437e96e94193fc804f0ff77f6db60ecbdd0c6419dfa9495726b701b4cf89e8a.txt b/chunks/txt/3437e96e94193fc804f0ff77f6db60ecbdd0c6419dfa9495726b701b4cf89e8a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6bf88825cc7367460174b9d7e46c5425434e3653
--- /dev/null
+++ b/chunks/txt/3437e96e94193fc804f0ff77f6db60ecbdd0c6419dfa9495726b701b4cf89e8a.txt
@@ -0,0 +1,115 @@
+AsIs
+
+2024-03-03
+
+60
+
+30
+
+ReasonableExposureTime
+
+350000
+
+false
+
+4321123H
+
+false
+
+AmericanNationalStandardsInstitute
+
+false
+
+true
+
+true
+
+URAR Delivery Specification v1.3
+
+InteriorAndExterior
+
+SalesComparisonApproach
+
+2024-03-15
+
+The comparables provided from the borrower-initiated ROV were reviewed and considered. Two sales were deemed reliable and put in the sales grid, which increased the Indicated Value by Sales Comparison Approach. One was deemed less reliable and added to Additional Properties Analyzed Not Used.
+
+Reconciliation
+
+2024-03-15
+
+Due to the increase in Indicated Value by Sales Comparison Approach, the Opinion of Value changed.
+
+MYAPP1
+
+Some Appraisal Creator1
+
+11.2.2
+
+Nowhere Technologies
+
+Bank of Maryland
+
+81 Cedar Rd
+
+Nowhere
+
+09991
+
+MD
+
+Lender
+
+Client
+
+John
+
+Appraiser
+
+381 Pine St
+
+Anytown
+
+09992
+
+MD
+
+John Appraiser Appraisal Company
+
+CertifiedResidential
+
+2025-12-31
+
+03-XXXXXX
+
+MD
+
+Appraiser
+
+AppraisalFee
+
+0
+
+Jane
+
+Doe
+
+Borrower
+
+PropertyOwner
+
+Valuation
+
+2024-03-15
+
+SF5_Appraisal_v1.1.pdf
+
+application/pdf
+
+2
+
+AppraisalReport
+
+FNM_FRE
+
+September 2024
diff --git a/chunks/txt/343ed9f16cab0dff1363b9f1ac06787b6f7e4c45ffdb5bffa93d3bf65b23e812.txt b/chunks/txt/343ed9f16cab0dff1363b9f1ac06787b6f7e4c45ffdb5bffa93d3bf65b23e812.txt
new file mode 100644
index 0000000000000000000000000000000000000000..eed2ac7337ccb8c2dfea61bd1cd54259e66fa246
--- /dev/null
+++ b/chunks/txt/343ed9f16cab0dff1363b9f1ac06787b6f7e4c45ffdb5bffa93d3bf65b23e812.txt
@@ -0,0 +1,79 @@
+• When a manufactured home is a Dwelling; ConstructionMethodType (UID: 0300.0034) = “Manufactured” and ImprovementType (UID:
+
+0300.0009) = “Dwelling”, the Manufactured Home section displays after the applicable Dwelling Exterior section.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+• When the manufactured home is an ADU; OutbuildingType (UID: 0300.0025) = "ManufacturedHome" AND LivingUnitCount (UID:
+
+0300.0063) > 0, the Manufactured Home section displays after the applicable Outbuilding section.
+
+Page 171
+
+The following table breaks down the display rules for the two variations of manufactured homes: Dwelling or Outbuilding/ADU. When the
+manufactured home is an Outbuilding/ADU, a subset of information is displayed.
+
+Manufactured Home
+
+Display Rules
+
+Dwelling
+
+Outbuilding/ADU
+
+Report
+Field ID
+
+Report Label
+
+Unique ID MISMO Data Point Name
+
+Display when ImprovementType (UID:
+0300.0009) = “Dwelling” and
+ConstructionMethodType (UID: 0300.0034)
+= “Manufactured”
+
+9.000
+
+Manufacturer Name
+
+0500.0017 ManufacturedHomeManufacturerName
+
+Always display
+
+Display when (ImprovementType (UID:
+0300.0009) = "Outbuilding" AND
+OutbuildingType (UID: 0300.0025) =
+"ManufacturedHome" AND
+LivingUnitCount (UID: 0300.0063) > 0)
+NA
+
+0500.0011 ManufacturedHomeInstalledDate
+
+0500.0041
+
+ManufacturedHomeInstalledDateEstimatedI
+ndicator
+
+Always display
+When “true”, display (~) in front of the
+ManufacturedHomeInstalledDate to indicate
+it is an estimated value.
+
+0500.0021
+
+ManufacturedHomeMovedAfterOriginalInsta
+llationIndicator
+
+Always display
+
+NA
+
+NA
+
+NA
+
+0500.0007
+
+ManufacturedHomeAttachedToFoundationIn
+dicator
diff --git a/chunks/txt/344aac6769f01fb0f8e788895c83cf3cc12ab70d7779143b7960067aa98139f2.txt b/chunks/txt/344aac6769f01fb0f8e788895c83cf3cc12ab70d7779143b7960067aa98139f2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ec816c93901b57bf675e6b698ec467e01f556417
--- /dev/null
+++ b/chunks/txt/344aac6769f01fb0f8e788895c83cf3cc12ab70d7779143b7960067aa98139f2.txt
@@ -0,0 +1,68 @@
+This document is not intended as a sole quality review tool for appraisal reports. Compliance with the
+UAD and UCDP specifications does not relieve lenders of their responsibility to meet the GSEs’ appraisal
+related policies and guidelines.
+
+The GSEs may extend the UAD and the standardized responses to the other appraisal forms at a later date.
+Please refer to Fannie Mae’s Selling Guide and Freddie Mac’s Single-Family Seller/Servicer Guide
+regarding requirements for additional appraisal forms required to be submitted to UCDP.
+
+Page 6 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.
+
+Requirement or
+Instruction
+
+REQUIREMENT
+
+Subject Section
+
+Details
+
+Forms
+
+Property
+Address,
+City, State,
+ZIP Code
+
+Property Address, City, State, ZIP Code
+
+• 1004/70
+
+• 1004 Hybrid/70H
+
+• 1004 Desktop/70D
+
+• 2055/2055
+
+• 1073/465
+
+• 1073 Hybrid/465H
+
+• 1073 Desktop/465D
+
+• 1075/466
+
+The appraiser must enter the physical
+property address in a format that conforms to
+the United States Postal Service (USPS)
+address standards in Publication 28 – Postal
+Addressing Standards (pub28) for complete
+addresses. Address standards can be found
+at USPS.gov. The subject address must be
+populated consistently throughout the form.
+
+The following address elements must be
+included in these fields:
+
+• Street number
+
+• Street name (including pre-directional
diff --git a/chunks/txt/3461ab8a53981e23379193eca1b3b084b1909a4ecfb10d3dbcfd0a2fa4ed0836.txt b/chunks/txt/3461ab8a53981e23379193eca1b3b084b1909a4ecfb10d3dbcfd0a2fa4ed0836.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a2afbfa73fd20a18fe7cf15ab85731b6d3644b9c
--- /dev/null
+++ b/chunks/txt/3461ab8a53981e23379193eca1b3b084b1909a4ecfb10d3dbcfd0a2fa4ed0836.txt
@@ -0,0 +1,19 @@
+This document provides guidance on how to enter information and how the data will be displayed in the Restricted Appraisal Update Report.
+
+[**Appendix H-2: UAD Compliance Rules – Restricted Appraisal Update Report**](/media/document/xlsx/appendix-h-2-uad-compliance-rules-restricted-appraisal-update-report)
+
+This document contains rules to help lenders and vendors deliver the XML in compliance with the UAD Restricted Appraisal Update Report Delivery Specification. These materials assist in verification of data completeness, validity (format and data type), and reasonableness.
+
+[**Appendix A-3: Completion Report Delivery Specification**](/media/document/xlsx/appendix-3-completion-report-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-3: Completion Report Implementation Guide**](/media/document/pdf/appendix-b-3-completion-report-implementation-guide)
+
+The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report.
+
+[**Appendix C-3: Completion Report Layout**](/media/document/zip/appendix-c-3-completion-report-layout)
+
+This zip file contains the Completion Report with Report Field IDs document and the Completion Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Completion Report, regardless of conditionality.
+
+[**Appendix D-3: Completion Report Sample Scenarios and XML Files**](/media/document/zip/appendix-d-3-completion-report-sample-scenarios-and-xml-files)
diff --git a/chunks/txt/346229750fe5417e6dfd6322a8dbbae534edd88ddc6a398b75299ad3d16c53c1.txt b/chunks/txt/346229750fe5417e6dfd6322a8dbbae534edd88ddc6a398b75299ad3d16c53c1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bdc0fb806d7117e07ef369ac8a10c28515aae649
--- /dev/null
+++ b/chunks/txt/346229750fe5417e6dfd6322a8dbbae534edd88ddc6a398b75299ad3d16c53c1.txt
@@ -0,0 +1,203 @@
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+Form FNM 1004 FRE 70
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 34 of 211
+
+Document Version 1.4
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+T
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+T
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+T
+
+CR
+
+CR
+
+CR
+
+CR
+
+This field is required if field 1-32 (Appraisal
+Purpose Type = 'Purchase') is indicated.
+
+This field is required if field 1-32 (Appraisal
+Purpose Type = 'Purchase') is indicated.
+
+If field 1-32 (Appraisal Purpose Type =
+'Purchase') is indicated, then one and only one
+of fields 1-46, 1-47 must be indicated.
+If field 1-32 (Appraisal Purpose Type =
+'Purchase') is indicated, then one and only one
+of fields 1-46, 1-47 must be indicated.
+This field should be populated if field 1-32
+(Appraisal Purpose Type = 'Purchase') is
+indicated.
+
+If field 1-32 (Appraisal Purpose Type =
+'Purchase') is indicated, then one and only one
+of fields 1-49, 1-50 (values of Sales
+Concession Indicator) must be indicated.
+
+If field 1-32 (Appraisal Purpose Type =
+'Purchase') is indicated, then one and only one
+of fields 1-49, 1-50 (values of Sales
+Concession Indicator) must be indicated.
+
+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
+
+56
+
+57
+
+58
+
+59
+
+60
+
+61
+
+62
+
+63
+
+64
+
+65
+
+66
+
+67
+
+68
+
+69
+
+70
+
+71
+
+72
+
+73
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+51b
+
+CONTRACT
+
+If Yes, report the total
+dollar amount and
+describe the items to be
+paid.
diff --git a/chunks/txt/3463adba1d3f1e77dff8281cbab7ebeba1e99ee8a107b3e2b90daa25e6e09193.txt b/chunks/txt/3463adba1d3f1e77dff8281cbab7ebeba1e99ee8a107b3e2b90daa25e6e09193.txt
new file mode 100644
index 0000000000000000000000000000000000000000..53d5977ddff15ec3b74056d4ba40592d9a507566
--- /dev/null
+++ b/chunks/txt/3463adba1d3f1e77dff8281cbab7ebeba1e99ee8a107b3e2b90daa25e6e09193.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\/34836","currentPathIsAdmin":false,"isFront":true,"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/3486c6800deec15e1657c71e653bbf86541362ad3d1a7c7826182311220940ef.txt b/chunks/txt/3486c6800deec15e1657c71e653bbf86541362ad3d1a7c7826182311220940ef.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0c699792753bca5610b03cda0193c129a5820bc6
--- /dev/null
+++ b/chunks/txt/3486c6800deec15e1657c71e653bbf86541362ad3d1a7c7826182311220940ef.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)
+ - FOIA & Privacy
+
+# FOIA & Privacy
+
+Understanding FOIA and privacy is essential for both those seeking information and government entities entrusted with its release. Familiarizing oneself with the provisions, exemptions, and procedures related to FOIA helps individuals navigate the process effectively while respecting privacy boundaries.
diff --git a/chunks/txt/349bb9af0c70d46314a5124bb38b63fe166fce21fff5ecad38f51a1a4af2c43e.txt b/chunks/txt/349bb9af0c70d46314a5124bb38b63fe166fce21fff5ecad38f51a1a4af2c43e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8527a39be39f5e4d3ecd59dc640e5c299d083e22
--- /dev/null
+++ b/chunks/txt/349bb9af0c70d46314a5124bb38b63fe166fce21fff5ecad38f51a1a4af2c43e.txt
@@ -0,0 +1,49 @@
+January 27, 2026
+
+## [U.S. House Price Index - January 2026](/reports/house-price-index/2026/1)
+ - FHFA Performance and Accountability Report
+
+January 23, 2026
+
+## [Performance and Accountability Report 2025](/reports/fhfa-performance-and-accountability-report/2025)
+ - Foreclosure Prevention, Refinance, and FPM Report
+
+January 22, 2026
+
+## [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - October 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/10)
+ - FHFA House Price Index®
+
+December 30, 2025
+
+## [U.S. House Price Index - December 2025](/reports/house-price-index/2025/12)
+ - Foreclosure Prevention, Refinance, and FPM Report
+
+December 23, 2025
+
+## [Foreclosure Prevention, Refinance, and FPM Report - 3Q2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/Q3)
+ - Single-Family Guarantee Fees Report
+
+December 22, 2025
+
+## [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2024](/reports/single-family-guarantee-fees/2024)
+ - Prepayment Monitoring Report
+
+December 3, 2025
+
+## [Prepayment Monitoring Report Third Quarter 2025](/reports/prepayment-monitoring-report/2025/Q3)
+ - FHFA House Price Index®
+
+November 25, 2025
+
+## [U.S. House Price Index Report - 2025 Q3](/reports/house-price-index/2025/Q3)
+ - Collateral Pledged to FHLBanks
+
+November 25, 2025
+
+## [Report on Collateral Pledged to Federal Home Loan Banks - November 2025](/reports/collateral-pledged-to-fhlbanks/2025)
+ - Foreclosure Prevention, Refinance, and FPM Report
+
+November 3, 2025
+
+## [Foreclosure Prevention, Refinance, and Federal Property Manager's Report - August 2025](/reports/foreclosure-prevention-refinance-and-fpm/2025/8)
+ - Annual Housing Report
diff --git a/chunks/txt/34abe3daf26b862d958632a05d8a435f23e3dff023b485cfaa918baffd5472b0.txt b/chunks/txt/34abe3daf26b862d958632a05d8a435f23e3dff023b485cfaa918baffd5472b0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c1b283d1fa231d24f3479813521dc9ff4b2bbae6
--- /dev/null
+++ b/chunks/txt/34abe3daf26b862d958632a05d8a435f23e3dff023b485cfaa918baffd5472b0.txt
@@ -0,0 +1,96 @@
+Loan Delivery & Servicing
+
+Other
+
+• Operational changes
+
+• Policies and procedures
+
+• Employee training
+
+• Obtain updated appraisal software for staff appraisers
+
+• Vendor management: Coordinate with all partners (e.g., LOS, appraisal firms, AMCs, UCDP
+
+Direct Integrators, MI companies and other valuation technology companies)
+
+• New data to consume for upstream and downstream systems and integrations
+
+• Tracking of Customary and Reasonable Fee data
+
+• Review billing and payment systems
+
+April 2025 | 18
+
+Lender/Loan Origination System (LOS) Roadmap:
+Actions Lenders Should be Taking Now
+
+Verify
+
+Test, Train, and Prepare
+
+Make sure software partners are aware of the
+new UAD specification and are building to it
+
+Use training materials and make sure staff are
+familiar with the new URAR
+
+Plan and budget resources for
+development/updates to business processes
+
+Check in periodically to verify software partners are
+on track for integrating and accepting the new UAD
+
+Begin testing software
+
+Develop and ensure processes are in place
+(i.e., ordering without form numbers)
+
+Verify that any operational changes are made
+and working as intended
+
+2025 and beyond
+
+April 2025 | 19
+
+2024
+
+2025
+
+2026
+
+2027
+
+UAD 3.6 TESTING
+
+INDUSTRY PREP
+
+Uniform Appraisal Dataset (UAD) 3.6 PRODUCTION
+
+LIMITED PRODUCTION
+
+BROAD PRODUCTION
+
+MANDATE
+
+RETIREMENT
+
+September 8, 2025 – January 25, 2026
+
+January 26, 2026 – November 1, 2026
+
+November 2, 2026
+
+May 3, 2027
+
+UAD 2.6 -> UAD 3.6 Transition Period
+
+UAD 2.6 Pipeline
+Revisions
+
+Submit 2.6 Only
+
+Submit 2.6 Only
+
+Submit 2.6 and Limited Production
+Participants* to Submit 3.6
diff --git a/chunks/txt/34c7921e9cfcd796283581bc26b14d21e165bc306f80099b413919fc7634368b.txt b/chunks/txt/34c7921e9cfcd796283581bc26b14d21e165bc306f80099b413919fc7634368b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..56ca8c76f17db9a7d55e2f26334a310d2e40d996
--- /dev/null
+++ b/chunks/txt/34c7921e9cfcd796283581bc26b14d21e165bc306f80099b413919fc7634368b.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/faqs"
+date_accessed: "2026-01-27T17:54:20.299Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/34cd27b6aaaee38e9e44ece9d71324de4ae33b4a2044b5d8655209c2a5da6591.txt b/chunks/txt/34cd27b6aaaee38e9e44ece9d71324de4ae33b4a2044b5d8655209c2a5da6591.txt
new file mode 100644
index 0000000000000000000000000000000000000000..91eea18158edeccac004f10144eef883440b6e19
--- /dev/null
+++ b/chunks/txt/34cd27b6aaaee38e9e44ece9d71324de4ae33b4a2044b5d8655209c2a5da6591.txt
@@ -0,0 +1,6 @@
+NOTE: On January 24, 2022, in the UCD Test Environment, Phase 2 edits will change to fatal severity to mirror the March
+2022 Phase 2 implementation.
+
+© 2022 Fannie Mae
+
+December 2022
diff --git a/chunks/txt/34cd7bb3a0a02d8c2c68f5da108821722fa916394466c777e19b05de67024292.txt b/chunks/txt/34cd7bb3a0a02d8c2c68f5da108821722fa916394466c777e19b05de67024292.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c57d12046c0bdbb10ecfa514b6c363b305f284c0
--- /dev/null
+++ b/chunks/txt/34cd7bb3a0a02d8c2c68f5da108821722fa916394466c777e19b05de67024292.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/data/fhlb-membership"
+date_accessed: "2026-01-27T17:48:02.651Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/34d826fe2983c6dbcb61fb3a9181c6d3c5308f17df840cc80f049a6a32924a27.txt b/chunks/txt/34d826fe2983c6dbcb61fb3a9181c6d3c5308f17df840cc80f049a6a32924a27.txt
new file mode 100644
index 0000000000000000000000000000000000000000..03fe78c7b2af287a1e033c0e36f977c3acc9b61a
--- /dev/null
+++ b/chunks/txt/34d826fe2983c6dbcb61fb3a9181c6d3c5308f17df840cc80f049a6a32924a27.txt
@@ -0,0 +1,5 @@
+Final Value Condition Statement .................................................................................................................................................................................. 17
+
+03 Itemized List of Repairs .............................................................................................................................................................................................. 18
+
+Overview ................................................................................................................................................................................................................................... 18
diff --git a/chunks/txt/34d9f48f434e13241adc1e594f0c61349ee2dd675f02640b8a7d82333124ce7a.txt b/chunks/txt/34d9f48f434e13241adc1e594f0c61349ee2dd675f02640b8a7d82333124ce7a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..11cae9948e05b7ac04f12a0bf6df85560d7b0253
--- /dev/null
+++ b/chunks/txt/34d9f48f434e13241adc1e594f0c61349ee2dd675f02640b8a7d82333124ce7a.txt
@@ -0,0 +1,105 @@
+Note: Some manufactured home information displays for both dwellings and outbuildings that are ADUs. The
+“When to Include” column in this subchapter only references manufactured homes that are dwellings.
+• Structure Type is Dwelling, and Construction Method (8.011) is Manufactured
+
+General Information
+
+Manufactured Home – Dwellings - General Information
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+9.000 Manufacturer
+Name
+
+Always required
+
+Free-form
+
+The name of the manufacturer (maker) of the manufactured home.
+
+9.001
+
+Year Installed
+
+Always required
+
+yyyy
+
+Year Installed: The date a Certificate of Occupancy or its equivalent was issued
+for the development of a lot and placement of a manufactured home on the
+permanent foundation.
+
+Appendix F-1: URAR Reference Guide
+
+Page 116 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+09 Manufactured Home
+
+Manufactured Home – Dwellings - General Information
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+9.001
+
+Year Installed
+
+Always required
+
+Yes | No
+
+Definition / Additional Guidance
+
+Year Installed Estimated: Indicates whether Year Installed is an estimate.
+Notes:
+•
+
+If Year Installed is unknown or unavailable to the appraiser in the normal
+course of business, the appraiser must estimate the year the
+manufactured home was installed.
+If Yes, Year Installed displays with a tilde (~).
+
+•
+
+9.002 Moved Since
+
+Always required
+
+Yes | No
+
+Original
+Installation
+
+9.003
+
+Attached to
+Permanent
+Foundation
+
+Always required
+
+Yes | No
+
+Indicates whether the manufactured home has been moved to a different
+location than the one on which it was originally installed.
diff --git a/chunks/txt/34da91098475306cb62dacddaedef4458c1c1c3983e5ce55adf7f06c543692c6.txt b/chunks/txt/34da91098475306cb62dacddaedef4458c1c1c3983e5ce55adf7f06c543692c6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d45ac11670dc1df1dc91a8f15e93f56797679572
--- /dev/null
+++ b/chunks/txt/34da91098475306cb62dacddaedef4458c1c1c3983e5ce55adf7f06c543692c6.txt
@@ -0,0 +1,109 @@
+Broadband Internet Available
+
+3.015
+
+3.016
+
+3.027
+3.028
+
+4.031
+4.037
+4.067
+
+Yes/No (land supporting the dwelling is commonly owned)
+
+Yes/No
+
+Yes/No
+Air, Mineral, Timber, Water…
+If not available through site inspection inquire via POC
+Required if property has private access rights to water
+Deep Water|Non-Navigable|Other|Shallow Water
+Yes/No
+
+Building Certifications
+
+6.004-6.009
+
+Such as LEED, NGBS Green™…
+
+Green Efficiency Ratings
+
+6.010-6.013
+
+Such as HERS®, WaterSense…
+
+Review the URAR Reference Guide Appendix 4 to understand
+reporting a detached garage with additional separate area
+
+Overall Quality and Condition represents the reconciliation of
+all dwellings and living units.
+
+Subject Property
+
+Site
+
+Energy Efficient
+and Green
+Features
+
+Vehicle Storage
+
+Overall Quality
+and Condition
+
+Market
+
+Search Criteria Description
+
+17.004
+
+Criteria used to identify specific properties within the market
+
+Project
+Information
+
+Rental
+Information
+
+Cost Approach
+
+Reconciliation
+
+Certifications
+and Scope of
+Work
+
+Known Legal Actions
+
+18.070,18.080,
+18.090
+
+Required when a property is in a project
+
+There is now a unit-to-unit comparison to each subject unit
+instead of a property-to-property comparison. Review the
+URAR Reference Guide chapter 23 for more information
+
+Review the URAR Reference Guide Appendix 4 to understand
+how to report a detached garage with no additional separate
+area and no ADU
+
+Reasonable Exposure Time
+
+26.010
+
+Number of days or range of days
+
+Client Requested Conditions
+
+26.014-26.018 Alternate Opinion of Value
+
+As Is Overall Condition Rating
+
+26.071
+
+Cert 21 (Significant Real Property
+Appraisal Assistance)
+Cert 29 (Prior Services)
diff --git a/chunks/txt/34e2a740de6891e419aa025a8b4cb2aaa52ff6c74375087d251b7560589ce71f.txt b/chunks/txt/34e2a740de6891e419aa025a8b4cb2aaa52ff6c74375087d251b7560589ce71f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1ffa4435350ce081d2535ee0f6210e8f48f553eb
--- /dev/null
+++ b/chunks/txt/34e2a740de6891e419aa025a8b4cb2aaa52ff6c74375087d251b7560589ce71f.txt
@@ -0,0 +1,56 @@
+Age: Age is a new HMDA data
+
+element that indicates the borrower and
+co-borrower ages at the time of loan
+application.60 The PUDB Single-Family
+Census Tract File currently includes
+data elements called Age of Borrower
+and Age of Co-borrower disclosed in
+exact years. Age of Borrower and Age of
+Co-borrower will be disclosed in the
+PUDB Single-Family Census Tract File
+in ranges, in conformance with the
+CFPB Privacy Guidance to mask the
+exact year.61
+
+Occupancy Type: The HMDA
+Occupancy Type data element was
+modified in 2018 by Regulation C to add
+new values. Previously, Occupancy
+Type had values for Owner-Occupied as
+a Principle Residence, Not-Owner
+Occupied as a Principal Residence, and
+Not Applicable. The Regulation C
+amendments replaced Not-Owner
+Occupied as a Principle Residence with
+two new values: Second Residence; and
+Investment Property.62 The new HMDA
+Occupancy Type values for Second
+Residence and Investment are already
+reported to FHFA by the Enterprises in
+a data element called Occupancy Code,
+
+55 12 CFR 1003.4(a)(25).
+56 Official Interpretations, comment 4(a)(25)–3.
+57 84 FR at 656.
+58 12 CFR 1003.4(a)(24).
+59 84 FR at 656, 662.
+60 12 CFR 1003.4(a)(10)(ii).
+61 84 FR at 664–665, 672. The age ranges are: 25
+
+to 34; 35 to 44; 45 to 54; 55 to 64 (with a flag for
+62 or higher); and 65 to 74. Below 25 and above
+74 are bottom- and top-coded, respectively.
+
+62 12 CFR 1003.4(a)(6).
+
+but the current PUDB Single-Family
+Census Tract File discloses only Owner-
+Occupied, Investment, and Not
+Applicable. Occupancy Code will be
+changed in the PUDB Single-Family
+Census Tract File to align with HMDA
+by disclosing Second Residence, and
+will continue to be disclosed without
+modification, in conformance with the
+CFPB Privacy Guidance.63
diff --git a/chunks/txt/34e3d588e2ca7e87752bf9cb73dbc155b6dea89c31cda5939fb0ee643a8eaa17.txt b/chunks/txt/34e3d588e2ca7e87752bf9cb73dbc155b6dea89c31cda5939fb0ee643a8eaa17.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f0e074443f33f4822ae3aa18fcc698b0a73c2cd4
--- /dev/null
+++ b/chunks/txt/34e3d588e2ca7e87752bf9cb73dbc155b6dea89c31cda5939fb0ee643a8eaa17.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/reports/foia-annual-report"
+date_accessed: "2026-01-27T17:48:02.296Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/34eb4e31e9990b9a857677d0fbec8f4d91cf72305531a5fda3cbfbd17535d4e3.txt b/chunks/txt/34eb4e31e9990b9a857677d0fbec8f4d91cf72305531a5fda3cbfbd17535d4e3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..28d299d7654c675c618de0461c6c68f14eef62ce
--- /dev/null
+++ b/chunks/txt/34eb4e31e9990b9a857677d0fbec8f4d91cf72305531a5fda3cbfbd17535d4e3.txt
@@ -0,0 +1,206 @@
+Adjusted Price Per Unit
+
+Adjusted Price Per Bedroom
+
+Price Per Gross Building
+Finished Area
+
+Price Per Finished Area
+Above Grade
+
+Adjusted Price
+
+Comparable Weight
+
+Indicated Value by Sales Comparison Approach
+
+TB-SCA_H2
+
+Indicated Value
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+Reconciliation of Sales Comparison Approach
+
+Additional Properties Analyzed Not Used
+
+#
+
+Property Address
+
+Sale Date
+
+Status
+
+Reason Not Used
+
+Comment
+
+TB
+
+TB
+
+H1
+
+TXC
+H1
+
+TCH
+
+TB
+
+HDR-R
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+$
+
+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
+
+HDR-R
+
+1 COLUMN PAGE FORMAT
+
+PG BRK
+
+H1
+
+Sales Comparison Map
+
+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
+
+HDR-R
+
+2 COLUMN PAGE FORMAT
+
+H1
+
+Sales Comparison Approach Exhibits
+
+CAP
+
+Comparable #
+
+CAP
+
+Comparable #
+
+CAP
+
+Comparable #
+
+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
+
+Rental Information
+
+2 COLUMN PAGE FORMAT
+
+HDR-R
+
+H1
+
+H2
+
+TCH
+TB
+
+Rent Schedule
+
+Subject Property Rental Information
+
+Currently
+Rented
+
+Occupancy
+
+Monthly
+Rent
+
+Month-to-
+Month
+
+Lease Start
+
+Rent
+Control
+
+Rent
+Concessions
+
+Utilities/
+Services
+Included
diff --git a/chunks/txt/34f0a93d954063b084af78e528ddc23a541cdfb4d456434d8e5b8e10e8e238d9.txt b/chunks/txt/34f0a93d954063b084af78e528ddc23a541cdfb4d456434d8e5b8e10e8e238d9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..76f37f8ad65b55dc650f89a731465b545a45dafc
--- /dev/null
+++ b/chunks/txt/34f0a93d954063b084af78e528ddc23a541cdfb4d456434d8e5b8e10e8e238d9.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/reports/fhfa-annual-performance-plan"
+date_accessed: "2026-01-27T17:47:56.959Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/3501503bd46f716aa1533f4e968a219e8591496f7ec21fcae443bb1041cf1360.txt b/chunks/txt/3501503bd46f716aa1533f4e968a219e8591496f7ec21fcae443bb1041cf1360.txt
new file mode 100644
index 0000000000000000000000000000000000000000..29280bf4b92fae61a14743dc827982a33c88732b
--- /dev/null
+++ b/chunks/txt/3501503bd46f716aa1533f4e968a219e8591496f7ec21fcae443bb1041cf1360.txt
@@ -0,0 +1,219 @@
+Plan Number
+
+Fannie Mae/
+Freddie Mac Uniform
+Instrument Note/Rider
+Form
+Reference
+
+Index
+
+[Fannie
+Mae Index
+Code]
+
+Life IR
+Cap/
+Floor
+
+Look-back
+Int Rate
+Change
+(in days)
+
+ARM
+Type
+
+ARM Plan
+Initial FR
+Int
+Per/
+Subseq
+IR Adj
+
+(in mos)
+as of
+Issue
+Date
+
+Periodic
+Int Rate
+Change
+Limit
+
+•
+First
+Change
+Date /
+Subseq
+Change
+Dates
+
+Assum-
+ability
+
+Convert
+
+(Y or N)
+
+Pmt
+Due Date
+
+Subtype
+
+[MBS only]
+
+[If Y,
+includes
+convert
+option
+code]
+
+Fully Amortizing Conventional ARMs – Terms up to 30 Years
+
+4926
+
+4927
+
+3441/3141
+
+30-Day Avg
+SOFR
+
+19-42/
+6
+
+3/6 mos
+
+3442/3142
+
+30-Day Avg
+SOFR
+
+43-66/
+6
+
+5/6 mos
+
+4927
+Texas 50(a)(6)
+
+3442.44/3142.44
+
+30-Day Avg
+SOFR
+
+43-66/
+6
+
+5/6 mos
+
+4928
+
+3442/3142
+
+30-Day Avg
+SOFR
+
+67-90/
+6
+
+7/6 mos
+
+4928
+Texas 50(a)(6)
+
+3442.44/3142.44
+
+30-Day Avg
+SOFR
+
+67-90/
+6
+
+7/6 mos
+
+4929
+
+3442/3142
+
+30-Day Avg
+SOFR
+
+91-150/
+6
+
+10/6 mos
+
+4929
+Texas 50(a)(6)
+
+3442.44/3142.44
+
+30-Day Avg
+SOFR
+
+91-150/
+6
+
+10/6 mos
+
++/- 2% /
++/- 1%
+
++/- 2% /
++/- 1%
+
++/- 2% /
++/- 1%
+
++/- 5% /
++/- 1%
+
++/- 5% /
++/- 1%
+
++/- 5% /
++/- 1%
+
++/- 5% /
++/- 1%
+
+Up to
++5% /
+Margin
+
+Up to
++5% /
+Margin
+
+Up to
++5% /
+Margin
+
+Up to
++5% /
+Margin
+
+Up to
++5% /
+Margin
+
+Up to
++5% /
+Margin
+
+Up to
++5% /
+Margin
+
+45
+
+Assum
+
+45
+
+DOS/
+Assum
+
+45
diff --git a/chunks/txt/3515f19d9bd3a625a7070e5713f93180fc71cbb95dc7d7930dfb2fb0e856c747.txt b/chunks/txt/3515f19d9bd3a625a7070e5713f93180fc71cbb95dc7d7930dfb2fb0e856c747.txt
new file mode 100644
index 0000000000000000000000000000000000000000..54f95afd417c02e0bb4561eda25e65bfdfed5818
--- /dev/null
+++ b/chunks/txt/3515f19d9bd3a625a7070e5713f93180fc71cbb95dc7d7930dfb2fb0e856c747.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 70D July 2020
+
+226
+
+Page 1 of 6
+
+Fannie Mae Form 1004 Desktop July 2020
+
+2
+
+There are 5
+There are 8
+
+FEATURE
+
+Address 11
+
+Uniform Residential Appraisal Report (Desktop)
+
+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
+
+66
+
+22
+
+62
+
+25
+
+60
+
+24
+
+21
+
+47
+
+63
+
+47
+
+61
+
+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/352e2300b7778e225679e50e246ee7c1fb8cd99f6f20788f77578f79ea5fe4ec.txt b/chunks/txt/352e2300b7778e225679e50e246ee7c1fb8cd99f6f20788f77578f79ea5fe4ec.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5945e1ee0c2c0108d09b6a4f6bcb4f53aa713506
--- /dev/null
+++ b/chunks/txt/352e2300b7778e225679e50e246ee7c1fb8cd99f6f20788f77578f79ea5fe4ec.txt
@@ -0,0 +1,33 @@
+In certain scenarios it may be helpful to create a side-by-side comparison of the redesigned Form 1003 and
+the corresponding MISMO model diagrams as depicted in Chapter 5. This side-by-side view will help you
+understand the hierarchical manner of the data relationships in MISMO to the fields in the redesigned Form
+1003 sections.
+
+▪ Specific business sections on the form will map to specific data structures in the model (i.e., Assets,
+
+Liabilities, Acknowledgements, Lender Information, etc.)
+
+▪ Consult these diagrams that describe the business functions based on the DU Spec requirements for
+underwriting a loan (Chapter 5) to understand the data hierarchy involved per business function.
+
+Identify Data Issues
+
+1) After constructing the Loan Application Submission file, make sure to validate the file:
+
+a. Most XML editors will allow the user to save a file even if it does not pass validation. It is a best
+practice to validate the Loan Application Submission file prior to submission to Fannie Mae.
+
+b. The validation should be against the associated schemas: the MISMO v3.4 Build 324 Schema
+(Schema) and the DU Wrapper Schema that Fannie Mae will provide. Please refer to
+and
+https://singlefamily.fanniemae.com/media/document/xlsx/du-specification-mismo-v-34
+https://singlefamily.fanniemae.com/media/document/zip/fannie-mae-du-schemas respectively.
+
+c. XML errors should be resolved prior to submitting the Loan Application Submission file to DU.
+
+2) Helpful hints to resolve issues or errors in the creation of the Loan Application Submission file:
+
+a. When trying to find and compare data, the DU Spec follows the order of the redesigned Form 1003
+layout; whereas the Loan Application Submission file follows the MISMO v3.4 Build 324 Schema
+hierarchy which is mostly in alphabetical order. The DU Spec can be reorganized to match the
+schema hierarchy by sorting on the MISMO v3.4 XPATH column for alphabetical order.
diff --git a/chunks/txt/354a47a56fa6e020d8443e8d90f3120ef43f04b2656c42c60631055a9c25c661.txt b/chunks/txt/354a47a56fa6e020d8443e8d90f3120ef43f04b2656c42c60631055a9c25c661.txt
new file mode 100644
index 0000000000000000000000000000000000000000..123196704086296dd6f8df0d1bf7478c70132105
--- /dev/null
+++ b/chunks/txt/354a47a56fa6e020d8443e8d90f3120ef43f04b2656c42c60631055a9c25c661.txt
@@ -0,0 +1,84 @@
+0.053
+
+PartyRoleType
+
+LoanDeliveryFilePreparer
+
+MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DOCUMENT_CLASSIFICATION/DOCUMENT_CLASSES/DOCU
+MENT_CLASS
+
+0.030 DocumentType
+
+Other
+
+The value “Other” must always be provided.
+
+0.046 DocumentTypeOtherDescription
+
+ClosingDisclosure:ModelForm
+
+DocumentTypeOtherDescription with one of the
+three supported enumerations must always be
+provided.
+
+N O T E : The XML attributes xmlns:xlink for MESSAGE and MISMOReferenceModelIdentifier for DOCUMENT are no longer
+needed because the XLINK function using arcroles and RELATIONSHIPs has been removed.
+
+B. EMBEDDED CD PDF FILE
+
+Under DOCUMENT, the parameters for and inclusion of the .pdf file version of the CD are specified.
+
+Table 5. UCD v2.0 Excerpt - Embedded PDF Data Requirements.
+
+UCD UID
+
+MISMO v3.3 Data Point
+
+MISMO v3.3.0 Value
+
+Notes
+
+MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/ VIEWS/VIEW/VIEW_FILES/VIEW_FILE/FOREIGN_OBJECT
+
+0.025
+
+0.050
+
+0.034
+
+0.048
+
+EmbeddedContentXML
+
+code
+
+The embedded PDF of the Closing Disclosure
+
+MIMETypeIdentifier
+
+application/pdf
+
+Only acceptable value
+
+ObjectEncodingType
+
+Base64
+
+Only acceptable value
+
+ObjectName
+
+ClosingDisclosure.pdf
+
+Identifies the embedded file name
+
+Figure 5. XML File Snippet – XML File Handling.
+
+
+
+
+
+2024-02-17T9:30:47Z
+ UCD2.0
diff --git a/chunks/txt/356a83d4b66973e9c303a5d5c868e9b89584e343ffdc358457aa14ef635d571b.txt b/chunks/txt/356a83d4b66973e9c303a5d5c868e9b89584e343ffdc358457aa14ef635d571b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..44a5614dc746de2d69d1159b16b128e2cccc1f12
--- /dev/null
+++ b/chunks/txt/356a83d4b66973e9c303a5d5c868e9b89584e343ffdc358457aa14ef635d571b.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
+
+# Programs
+
+- ## 2024 TechSprint: Generative AI in Housing Finance
+
+The FHFA Generative AI in Housing Finance TechSprint was an in-person, team-based problem-solving event hosted by the Federal Housing Finance Agency’s (FHFA) Office of Financial Technology (OFT). The TechSprint brought together technology, regulatory, housing, and consumer finance experts to identify use cases and associated control measures to support the responsible use of generative AI in housing finance.
diff --git a/chunks/txt/357c1c31b20fbf5b9828fe8b9fd79f85ba22ad6eeeae24934a37802866fa8bd4.txt b/chunks/txt/357c1c31b20fbf5b9828fe8b9fd79f85ba22ad6eeeae24934a37802866fa8bd4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5ca0712f83dd77cf9844519030562523a7bb5a53
--- /dev/null
+++ b/chunks/txt/357c1c31b20fbf5b9828fe8b9fd79f85ba22ad6eeeae24934a37802866fa8bd4.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/policy/pilot-transparency"
+date_accessed: "2026-01-27T17:54:20.297Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/358c550f17db2fcda8b97cfbff09245bf2699775707bda9818192a3e543b44ec.txt b/chunks/txt/358c550f17db2fcda8b97cfbff09245bf2699775707bda9818192a3e543b44ec.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4845249df06eaa2abee67c98ebd85aca734bf743
--- /dev/null
+++ b/chunks/txt/358c550f17db2fcda8b97cfbff09245bf2699775707bda9818192a3e543b44ec.txt
@@ -0,0 +1,24 @@
+Read Me
+
+Technology systems must support all of the data points defined in Appendix A: GSE Appraisal Forms Mapping. For additional information about the business and technical requirements, please refer to the
+Uniform Appraisal Dataset Specification and the other appendices.
+
+Listed below are helpful hints and guidelines to keep in mind when referencing this Appendix.
+
+ The information contained in this document is based on the Mortgage Industry Standards Maintenance Organization (MISMO®) Valuation Response Version 2.6 Schema Errata 1and the MISMO Logical Data
+
+Dictionary Version 2.6 Errata 1.
+
+ Form Reference Numbers beginning with an "e", as in “e-21”, are GSE extensions of the MISMO Valuation Response Version 2.6 Schema Errata 1.
+
+ Fields in this Appendix are referenced using the format “Form Page-Form Reference Number”. For example “1-7” refers to Form Reference Number 7 on Page 1 of the appraisal form. Refer to
+
+Appendix C: Appraisal Form Field Map for a listing of all Form Reference Numbers.
+
+ The data in an appraisal XML file must pass certain data integrity rules as defined in the Property Valuation Response v2.6 GSE Extension Schema. The formats are predefined in the Column Description Tab, and any additional
+
+information is noted in the Implementation Notes. Please note that the XML file must include all data included within the PDF version of the appraisal report. Data may not be truncated within the XML file.
+
+ The 'Allowable Values' in the Implementation Notes column represent the values that must be populated in the appraisal XML file.
+
+ Address elements within this file must conform to United States Postal Service Publication 28 Postal Addressing Standards (USPS Pub. 28).
diff --git a/chunks/txt/35956045ccad4b7d93424fc8805694980c10e16c5d8b319a8919e670666f24fe.txt b/chunks/txt/35956045ccad4b7d93424fc8805694980c10e16c5d8b319a8919e670666f24fe.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bb393c7807987e487b761d8de87958a0c1667543
--- /dev/null
+++ b/chunks/txt/35956045ccad4b7d93424fc8805694980c10e16c5d8b319a8919e670666f24fe.txt
@@ -0,0 +1,92 @@
+CountryCode
+
+CitizenshipResidencyType
+
+CreditScoreValue
+
+BorrowerClassificationType
+
+BorrowerAgeAtApplicationYearsCount
+
+BorrowerBirthDate
+
+TaxpayerIdentifierType
+
+TaxpayerIdentifierValue
+
+HMDARaceType
+
+Notes: This instance of PARTY required for all loans. Check GSE-specific Implementation Guides for
+
+conditionality of listed data points.
+
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 53 of 76
+
+Section IV. Using the MISMO V3.0 Reference Model
+
+Example IV-15. PARTY Container for PartyRoleType = DocumentCustodian
+
+PartyRoleIdentifier
+
+
+
+PartyRoleType
+
+DocumentCustodian
+
+Notes: See Fannie Mae’s Implementation Guide for delivery requirements.
+
+Example IV-16. PARTY Container for PartyRoleType = LoanOriginationCompany
+
+PartyRoleIdentifier
+
+
+
+PartyRoleType
+
+LoanOriginationCompany
+
+Notes: This instance of PARTY is required if information is available.
+
+Example IV-17. PARTY Container for PartyRoleType = LoanOriginator
+
+PartyRoleIdentifier
+
+
+
+LoanOriginatorType
+
+PartyRoleType
+
+Broker
+Correspondent
+Lender
+
+LoanOriginator
+
+Notes: This instance of PARTY required if information is available.
+
+Example IV-18. PARTY Container for PartyRoleType = LoanSeller
+
+PartyRoleIdentifier
+
+
+
+PartyRoleType
+
+LoanSeller
+
+Notes: See Fannie Mae’s Implementation Guide for delivery requirements.
+
+Example IV-19. PARTY Container for PartyRoleType = Payee
+
+PartyRoleIdentifier
+
+
+
+PartyRoleType
diff --git a/chunks/txt/35a2000073ff53a69b2dae23877ac4fd8f83df3f00f9928dc197cd3fca69047b.txt b/chunks/txt/35a2000073ff53a69b2dae23877ac4fd8f83df3f00f9928dc197cd3fca69047b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..13cff0e9c2d78c08c7dcec96f73f0cdf46083329
--- /dev/null
+++ b/chunks/txt/35a2000073ff53a69b2dae23877ac4fd8f83df3f00f9928dc197cd3fca69047b.txt
@@ -0,0 +1,33 @@
+A brief description of the methodology used to generate the scenarios, references to FHFA working papers describing that methodology, and the historically-based macroeconomic market risk scenarios are [available here](/data/fhlb-stress-tests/cmast).
+
+*Page last updated: July 17, 2023*
+
+Sign up for email updates
+
+Leave this field blank
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [](https://www.facebook.com/FHFA)
+ - [](https://www.x.com/FHFA)
+ - [](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [](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/35afbb9b1c6d54ca206714f9cc67775030307f13643e6cd56ed2c0974e83efae.txt b/chunks/txt/35afbb9b1c6d54ca206714f9cc67775030307f13643e6cd56ed2c0974e83efae.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8053d299624da2b0d6b29489bb1594359e6a5497
--- /dev/null
+++ b/chunks/txt/35afbb9b1c6d54ca206714f9cc67775030307f13643e6cd56ed2c0974e83efae.txt
@@ -0,0 +1,125 @@
+Assignment Information: Contact Information - Property Data Report
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+2.053
+
+Name
+
+2.054
+
+Occupation
+
+If available when
+Property Data Report
+Used is Yes
+
+Required if Property
+Data Report Used is
+Yes
+
+Allowable
+Answers / Format
+
+Free-form
+
+Definition / Additional Guidance
+
+The name of the person who completed the property data report.
+Note: If Name is not provided, it does not display.
+
+Select an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+The occupation of the person who completed the property data report.
+•
+•
+•
+•
+•
+•
+
+Appraiser
+Appraiser Trainee
+Home Inspector
+Insurance Inspector
+Real Estate Agent
+Other (Describe)
+
+Note:
+•
+
+•
+
+Select Appraiser (or Appraiser Trainee) if an appraiser (or trainee)
+completed the property data report but is not acting as the appraiser on
+this appraisal.
+If property data collection is the primary occupation of the person
+completing the report and no other answers apply, select Other and type
+in “Property Data Collector”.
+
+2.055
+
+Company Name Required if Property
+Data Report Used is
+Yes
+
+2.056
+
+Company
+Address
+
+2.057
+
+Reference ID
+
+Required if Property
+Data Report Used is
+Yes
+
+If available when
+Property Data Report
+Used is Yes
+
+2.058
+
+Subject Property
+Inspection
+Exterior
+
+Required if Property
+Data Report Used is
+Yes
+
+2.059
+
+Subject Property
+Inspection
+Interior
+
+Required if Property
+Data Report Used is
+Yes
+
+2.060
+
+Subject Property
+Inspection
+Inspection Date
+
+Required if Property
+Data Report Used is
+Yes
+
+Free-form
+
+The name of the company that provided the property data report.
diff --git a/chunks/txt/35d42c41b13ff0a3514b8c3970e19f4ce8d39cff342a6cb13cb3d3cdf0a21cde.txt b/chunks/txt/35d42c41b13ff0a3514b8c3970e19f4ce8d39cff342a6cb13cb3d3cdf0a21cde.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c29d5267a7e3d8931336dd523312e36dd8230b64
--- /dev/null
+++ b/chunks/txt/35d42c41b13ff0a3514b8c3970e19f4ce8d39cff342a6cb13cb3d3cdf0a21cde.txt
@@ -0,0 +1,113 @@
+
+
+
+
+
+
+
+UCD v2.0 Implementation Guide
+
+- 13 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+III. XML File Handling
+
+Figure 5. XML File Snippet – XML File Handling.
+
+
+
+
+…
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+000123>
+
+
+
+
+
+LoanDeliveryFilePreparer
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+ABCD1234E>
+
+
+
+
+
+LoanDeliveryFilePreparer
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+ code
+ application/pdf
+ Base64
+ ClosingDisclosure.pdf
+
+
+
+
+
+
+
+
+UCD v2.0 Implementation Guide
+
+- 14 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+III. XML File Handling
+
+Figure 5. XML File Snippet – XML File Handling.
+
+
+
diff --git a/chunks/txt/35e2067a98f2918e6bca95fd40a5c6aee1f015635fe06f20d96864861dae8561.txt b/chunks/txt/35e2067a98f2918e6bca95fd40a5c6aee1f015635fe06f20d96864861dae8561.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2e960d7ab085bf911a7e05d43ab9c7acb8108b57
--- /dev/null
+++ b/chunks/txt/35e2067a98f2918e6bca95fd40a5c6aee1f015635fe06f20d96864861dae8561.txt
@@ -0,0 +1,88 @@
+Common Amenity or Service - Clubhouse
+
+Common Amenity or Service - Gated Community
+
+This is where the Clubhouse photo would display.
+
+This is where the Gated Community photo would display.
+
+Common Amenity or Service - Inground Pool
+
+This is where the Inground Pool photo would display.
+
+Subject Listing Information
+
+Current and/or relevant listings of the subject property (minimum 1 year look back)
+
+Listing Status
+Pending
+
+Listing Type
+Builder or
+Developer
+
+Listing ID
+123456
+
+Start Date
+04/20/2018
+
+End Date
+05/16/2018
+
+DOM
+26
+
+Total DOM 26
+
+Starting
+List Price
+$905,000
+
+Current or
+Final List Price
+$895,000
+
+Analysis of Subject Property Listing History 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.
+
+Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 13 of 24
+Page 13 of 24
+
+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
+
+$895,000
+05/16/2018
+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
+
+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.
diff --git a/chunks/txt/35e6e107e5f150b4c21366c7e9f85349d4d3a4410c515d3cc56530d84f1ba769.txt b/chunks/txt/35e6e107e5f150b4c21366c7e9f85349d4d3a4410c515d3cc56530d84f1ba769.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8b02cca9c14abc99bf353559a4e301e6536b5e3f
--- /dev/null
+++ b/chunks/txt/35e6e107e5f150b4c21366c7e9f85349d4d3a4410c515d3cc56530d84f1ba769.txt
@@ -0,0 +1,7 @@
+Completion Report Exhibits ........................................................................................................................... 88
+
+Assignment Information ................................................................................................................................ 88
+
+Contact Information (H1) .................................................................................................................................... 88
+
+Assignment Information and Scope of Work Commentary (H1) ........................................................................ 88
diff --git a/chunks/txt/360f5c0650e53070fae30d0e1a5ea77aad36c25930cbb41c969ec2f043ab030b.txt b/chunks/txt/360f5c0650e53070fae30d0e1a5ea77aad36c25930cbb41c969ec2f043ab030b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ea99d563d9f6408696ba2ad2d8e0d784e78547fd
--- /dev/null
+++ b/chunks/txt/360f5c0650e53070fae30d0e1a5ea77aad36c25930cbb41c969ec2f043ab030b.txt
@@ -0,0 +1,77 @@
+UCD v2.0 Implementation Guide
+
+- 5 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+II. I-Guide Format
+
+The purpose of DisplayLabelText values is to enable rendering of a lender’s proprietary name for the enumeration on the
+CD itself. It can only be used as a partner to the provided enumerated data point. It cannot be used by itself in the XML file in
+place of the data point and supported enumeration. The proprietary value of “Borrower Application Fee” should only be
+delivered in DisplayLabelText, not in OtherDescription.
+
+The following table provides XML snippets of compliant and noncompliant uses of ucd:FeeItemType = “Other”,
+
+ucd:FeeItemTypeOtherDescription and DisplayLabelText in the XML file.
+
+Figure 3. XML Snippet – Using the Enumerated Value “Other” and the Attribute DisplayLabelText.
+
+Compliant – Use DisplayLabelText
+
+
+…
+
+
+
+
+
+
+
+
+
+
+
+Lender
+
+OriginationCharges
+true
+
+
+
+
+
+
+ApplicationFee
+
+
+
+
+
+
+…
+
+
+Noncompliant – Use “Other”/TypeOtherDescription
+
+…
+
+
+
+
+
+
+
+
+
+
+
+Lender
+ OriginationCharges
+ true
+
+
diff --git a/chunks/txt/361b98204780c23a9212e24cfa0cd0109c646f4c8c0f8e85308c2b2e285ab452.txt b/chunks/txt/361b98204780c23a9212e24cfa0cd0109c646f4c8c0f8e85308c2b2e285ab452.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cd6ad3de8b6b0173b2d16dd7fa4fb3617c9047c4
--- /dev/null
+++ b/chunks/txt/361b98204780c23a9212e24cfa0cd0109c646f4c8c0f8e85308c2b2e285ab452.txt
@@ -0,0 +1,25 @@
+[*An Update on Implementation of the Single Security and the Common Securitization Platform*](/document/update-on-implementation-of-the-ss-and-the-csp) (03/23/2017)
+
+**2016**
+
+FHFA News Release: *[FHFA Announces Successful Implementation of Release 1 of the Common Securitization Platform](/news/news-release/fhfa-announces-successful-implementation-of-release-1-of-the-common-securitization-platform)*(12/08/2016)
+
+*[An Update on Implementation of the Single Security and the Common Securitization Platform](/media/30346)*(07/07/2016)
+
+FHFA News Release: [*FHFA Details Plans and Timelines for the Single Security and Common Securitization Platform*](/news/news-release/fhfa-details-plans-and-timelines-for-the-single-security-and-common-securitization-platform) (07/07/2016)
+
+**2015**
+
+FHFA News Release: [*FHFA Issues Update on the Common Securitization Platform*](/news/news-release/fhfa-issues-update-on-the-common-securitization-platform)**(09/15/2015)
+
+[*An Update on the Common Securitization Platform*](/media/26181) (09/15/2015)
+
+[*An Update on the Structure of the Single Security*](/reports/single-security-update) (05/15/2015)
+
+FHFA News Release: [*FHFA Issues Update on the Single Security*](/news/news-release/fhfa-issues-update-on-the-single-security)**(05/15/2015)
+
+[Review input submitted](/discussion-topics-overview?tab=all) (select *Single Security Structure Update 2015* in pull down menu)
+
+**2014**
+
+[Request for Input: Single Security Structure](/document/rfi-single-security-final-8-11-2014) (08/12/2014)
diff --git a/chunks/txt/361cdb4d0b7371b03195df1582a82af40c16f57b6592a2c2c41bb54be1f41ca0.txt b/chunks/txt/361cdb4d0b7371b03195df1582a82af40c16f57b6592a2c2c41bb54be1f41ca0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..af62c4df469e0ae48787356b77059520a93dad52
--- /dev/null
+++ b/chunks/txt/361cdb4d0b7371b03195df1582a82af40c16f57b6592a2c2c41bb54be1f41ca0.txt
@@ -0,0 +1,70 @@
+XPath
+
+Attribute
+
+xlink:label
+
+Value
+
+Notes
+
+RELATIONSHIPS CONTAINER
+
+First instance of RELATIONSHIP
+MESSAGE/DEAL_SETS/D
+EAL_SET/DEALS/DEAL/
+/RELATIONSHIPS/RELAT
+IONSHIP
+
+Sequence Number
+
+1
+
+arcrole="urn:fdc:mism
+o.org:2009:residential
+from
+to
+
+EXPENSE_IsAssociate
+dWith_ROLE
+EXPENSE_1
+BORROWER_1
+
+Table 14. Relationships Container – Component Details
+
+The figure below (Figure 14) shows a basic example of how the xlink arcrole relationship linking an
+expense to a borrower would look in the RELATIONSHIPS container.
+
+RELATIONSHIPS CONTAINER
+Showing the RELATIONSHIP Using The Endpoints
+
+RELATIONSHIPS
+ RELATIONSHIP
+ Sequence Number = “1”
+ xlink:from = “EXPENSE_1”
+ xlink:to = “BORROWER_1”
+ xlink:arcrole = “EXPENSE_IsAssociatedWith_ROLE”
+
+Figure 14. Using Endpoints and an Arcrole To Define a Relationship
+
+Data Relationships Using Xlink and MISMO Arcroles
+
+Page 26 of 29
+
+Version 1.1
+
+Appendix A: XML Code Sample FOR Xlink MISMO Arcrole Examples
+
+APPENDI X A: XML CODE SAMPLE FOR XLI NK MI SMO ARCROLE EXAMPLES
+
+The following XML code sample is provided to express an example of how the ULAD data
+releationship using Xlink and MISMO arcroles might look. The example provided shows a sample for
+the relationship between a borrower’s income and the associated employer.
+
+XML CODE SAMPLE
+
+The information and examples provided in this document are for illustration purposes only and should
+not be used as production or pseudo code. The following XML sample corresponds to a use case of a
+borrower with concurrent income from two different employers. The borrower receives two income
+components from the first employer: a base salary and a bonus for a total of 1,400 dollars. The borrower
+receives one income component from his second employer, a base salary of 950 dollars.
diff --git a/chunks/txt/363a168819abcdbbd9288849039dd1c96feac53703e0e67659bc7c5877ea8eae.txt b/chunks/txt/363a168819abcdbbd9288849039dd1c96feac53703e0e67659bc7c5877ea8eae.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b6a5878a1906ccce9239567c0575aa3ba40e75ff
--- /dev/null
+++ b/chunks/txt/363a168819abcdbbd9288849039dd1c96feac53703e0e67659bc7c5877ea8eae.txt
@@ -0,0 +1,42 @@
+DU for Government Loans Release Notes
+November 2025 Release
+
+October 15, 2025
+
+During the weekend of November 15, 2025, 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.”
+
+Appraisal Message Updates
+
+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. These updated messages will be seen on both VA and FHA loan casefiles.
+
+VA Risk Assessment Update (VA Version 4.0)
+
+The risk assessment applied to VA loan casefiles will be updated to VA Version 4.0. This change will apply to new VA loan casefiles
+submitted to DU on or after the weekend of November 15, 2025. Loan casefiles that were submitted to DU for government loans
+(FHA or VA) prior to the weekend of November 15, 2025, and resubmitted as a VA loan casefile after the weekend of November 15
+will continue to be underwritten through their current version.
+
+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
+
+http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/FHA_info_mess
+ages
+
+FHA Mortgage Limits
+
+https://entp.hud.gov/idapp/html/hicostlook.cfm
diff --git a/chunks/txt/3647e5962e64f7ad6be6c8449f8fa485e2161e1bba9b8a548a05b92c468e9274.txt b/chunks/txt/3647e5962e64f7ad6be6c8449f8fa485e2161e1bba9b8a548a05b92c468e9274.txt
new file mode 100644
index 0000000000000000000000000000000000000000..734c570ace543ba89d6d7defd38d60be982d7d31
--- /dev/null
+++ b/chunks/txt/3647e5962e64f7ad6be6c8449f8fa485e2161e1bba9b8a548a05b92c468e9274.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](/)
+ - [Reports](/reports)
+ - FHLBank System At 100: Focusing On The Future Report
+
+FHLBank System at 100
+
+# FHLBank System at 100: Focusing on the Future Report
+
+Published: 11/07/2023 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. The mortgage market, the broader financial system, and the Federal Home Loan Banks (FHLBanks) themselves have undergone significant changes over nine decades. These changes reflect underlying shifts in technology and structured products, land use and development, demographics, legal and regulatory frameworks, and consumer preferences.
diff --git a/chunks/txt/3654e39d798ac2aaa71ed65893d401804a36476120abe7726299fefa8dc0d510.txt b/chunks/txt/3654e39d798ac2aaa71ed65893d401804a36476120abe7726299fefa8dc0d510.txt
new file mode 100644
index 0000000000000000000000000000000000000000..be99d95e46513c490e0eab9483ed7f3aacf83abe
--- /dev/null
+++ b/chunks/txt/3654e39d798ac2aaa71ed65893d401804a36476120abe7726299fefa8dc0d510.txt
@@ -0,0 +1,99 @@
+Utilities included in the unit
+monthly assessment
+Water
+
+241
+
+2
+
+39
+
+UNIT
+DESCRIPTION
+
+Utilities included in the unit
+monthly assessment
+Sewer
+
+242
+
+2
+
+40
+
+UNIT
+DESCRIPTION
+
+Utilities included in the unit
+monthly assessment
+Cable
+
+UNIT
+DESCRIPTION
+
+Utilities included in the unit
+monthly assessment
+Other
+
+Unit Charge Utility
+Included In
+Assessment
+Indicator
+
+Unit Charge Utility
+Included In
+Assessment
+Indicator
+
+Unit Charge Utility
+Included In
+Assessment
+Indicator
+
+Unit Charge Utility
+Included In
+Assessment
+Indicator
+
+Unit Charge Utility
+Included In
+Assessment
+Indicator
+
+Unit Charge Utility
+Included In
+Assessment
+Indicator
+
+Unit Charge Utility
+Included In
+Assessment
+Indicator
+
+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/365c014d6a7ee88cecbebffc72494f013845f01db76088c8c7600a5f01306512.txt b/chunks/txt/365c014d6a7ee88cecbebffc72494f013845f01db76088c8c7600a5f01306512.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c83b103287cfd7810808b87fb001763c77a4d6c6
--- /dev/null
+++ b/chunks/txt/365c014d6a7ee88cecbebffc72494f013845f01db76088c8c7600a5f01306512.txt
@@ -0,0 +1,80 @@
+The initial, bought down interest rate is required. The example illustrated in this subsection is for a 3-2-1 (increases 1.0% a
+year for 3 years) buydown with an initial rate of 3.500 percent. Only the initial bought down rate is specified for UCD v2.0.
+
+Table 19. UCD v2.0 Spec Excerpt - Temporary Buydown Subsidy 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/LOA
+NS/LOAN/BUYDOWN/BUYDOWN_OCCURRENCES/BUYDOWN_OCCURRENCE
+
+4.035
+
+BuydownInitialEffectiveInterestRatePercent
+
+3.500
+
+N O T E : UCD v2.0 no longer includes the data points BuydownChangeFrequencyMonthsCount,
+BuydownIncreaseRatePercent or BuydownDurationMonthsCount..
+
+Figure 28. XML Snippet - Example of Temporary Buydown Data.
+
+
+…
+
+
+
+
+
+
+
+
+
+
+3.500
+
+UCD v2.0 Implementation Guide
+
+- 35 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Figure 28. XML Snippet - Example of Temporary Buydown Data.
+
+
+
+
+
+
+…
+
+
+UCD v2.0 Implementation Guide
+
+- 36 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+D. CLOSING ADJUSTMENT DATA
+
+1.
+
+INTRODUCTION
+
+The first section of the UCD XML file holding extensive data about the closing transaction is CLOSING_INFORMATION. Five
+child containers of CLOSING_INFORMATION categorize a sizable number of data points with adjustment, funding, general,
+prepaid items and prorated amount data. The containers in bold hold data that is required in every XML file.
diff --git a/chunks/txt/3670b9aaab90d4188ec4314d7eab385d0148b0c5a867c01c18ed05b605bab85b.txt b/chunks/txt/3670b9aaab90d4188ec4314d7eab385d0148b0c5a867c01c18ed05b605bab85b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..be1a5c772cc18e846b2d03f3e48c61265aa106fe
--- /dev/null
+++ b/chunks/txt/3670b9aaab90d4188ec4314d7eab385d0148b0c5a867c01c18ed05b605bab85b.txt
@@ -0,0 +1,111 @@
+397
+
+2
+
+135
+
+RECONCILIATION As of (Effective Date)
+
+Appraisal Effective
+Date
+
+Effective date of the appraisal report
+on the subject property.
+
+/VALUATION_RESPONSE/VALUATION/@A
+ppraisalEffectiveDate
+
+10
+
+Date/Time
+
+Data Format:
+yyyy-mm-dd
+
+Either field 2-129 (Valuation Reconciliation
+Condition of Appraisal Type = 'AsIs'), or at
+least one of fields 2-130, 2-131, 2-132 (other
+values of Valuation Reconciliation Condition
+of Appraisal Type) must be indicated. If field
+2-129 is indicated, then none of fields 2-130,
+2-131, 2-132 may be indicated.
+Either field 2-129 (Valuation Reconciliation
+Condition of Appraisal Type = 'AsIs'), or at
+least one of fields 2-130, 2-131, 2-132 (other
+values of Valuation Reconciliation Condition
+of Appraisal Type) must be indicated. If field
+2-129 is indicated, then none of fields 2-130,
+2-131, 2-132 may be indicated.
+Either field 2-129 (Valuation Reconciliation
+Condition of Appraisal Type = 'AsIs'), or at
+least one of fields 2-130, 2-131, 2-132 (other
+values of Valuation Reconciliation Condition
+of Appraisal Type) must be indicated. If field
+2-129 is indicated, then none of fields 2-130,
+2-131, 2-132 may be indicated.
+If any of fields 2-130, 2-131, 2-132 (values of
+Valuation Reconciliation Condition of
+Appraisal Type) are indicated, this field
+should be populated.
+
+398
+
+399
+
+400
+
+401
+
+402
+
+3
+
+3
+
+3
+
+3
+
+3
+
+2
+
+3
+
+4
+
+HEADER
+
+BLANK
+
+HEADER
+
+File #
+
+Report Title
+Description
+
+Appraiser File
+Identifier
+
+HEADER
+
+BLANK
+
+Appraiser Additional
+File Identifier Name
+
+Used to specify the title of a report.
+
+/VALUATION_RESPONSE/REPORT/@_Title
+Description
+
+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.
diff --git a/chunks/txt/3676ce9c470e1eb7a85eac8991641a257eede8839826046a6b28feef52f57a99.txt b/chunks/txt/3676ce9c470e1eb7a85eac8991641a257eede8839826046a6b28feef52f57a99.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d88cfc0a8be9a0de844bfe5fcb741093b6b08ec3
--- /dev/null
+++ b/chunks/txt/3676ce9c470e1eb7a85eac8991641a257eede8839826046a6b28feef52f57a99.txt
@@ -0,0 +1,59 @@
+Display the number followed by a dash, then the display value for the room type.
+(Figure 10 - 8)
+
+Figure 10 - 8
+
+Page 183
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 184
+
+Quality and Condition
+
+The Quality and Condition subsection always displays.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 185
+
+The interior quality and condition ratings in this subsection provide support to the Overall Quality and Condition Ratings section.
+
+•
+
+•
+
+Interior Quality Rating – InteriorQualityRatingCode (UID: 0700.0067, FID: 10.034)
+
+Interior Condition Rating – InteriorConditionRatingCode (UID: 0700.0066, FID: 10.035)
+
+Kitchen and Bathroom Details
+
+The Kitchen and Bathroom Details table always displays in Unit Interior. The following text always displays above the table in italics, “The
+tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report”.
+
+This section provides additional information about the Kitchen(s) and Bath(s) indicated in the Level and Room Detail table from the previous
+section.
+
+When displaying Room - RoomType (UID: 0700.0035, FID: 10.037) and Level - LevelType (UID: 0700.0121, FID: 10.037):
+
+• “Kitchen” always displays first
+
+
+
+If there are multiple kitchens in the unit, each will display on a separate row
+
+• “Bath – Full” and “Bath – Half”, if applicable, display after Kitchen(s)
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+• Each room must specify the location in terms of Level (Figure 10 - 9)
+
+ The level displays in the same cell under the room
+
+Figure 10 - 9
+
+Page 186
+
+When RoomType = "Kitchen" OR "FullBathroom" OR "HalfBathroom", additional details are required. Each kitchen and bath will display on a
+separate row. (Figure 10 - 10)
diff --git a/chunks/txt/36805f3a15aef6f9af90cd29aa46a04a38bcea2a4b4abe2aa2b23a07353c571a.txt b/chunks/txt/36805f3a15aef6f9af90cd29aa46a04a38bcea2a4b4abe2aa2b23a07353c571a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..345ae4399e25d2155a9166f589d8bb3c1378bc77
--- /dev/null
+++ b/chunks/txt/36805f3a15aef6f9af90cd29aa46a04a38bcea2a4b4abe2aa2b23a07353c571a.txt
@@ -0,0 +1,17 @@
+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-2: Restricted Appraisal Update Report Implementation Guide**](/media/document/pdf/appendix-b-2-restricted-appraisal-update-report-implementation-guide)
+
+The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report.
+
+[**Appendix C-2: Restricted Appraisal Update Report Layout**](/media/document/zip/appendix-c-2-restricted-appraisal-update-report-layout)
+
+This zip file contains the Restricted Appraisal Update Report with Report Field IDs document and the Restricted Appraisal Update Report without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the Restricted Appraisal Update Report, regardless of conditionality.
+
+[**Appendix D-2: Restricted Appraisal Update Report Sample Scenario and XML File**](/media/document/zip/appendix-d-2-restricted-appraisal-update-report-sample-scenario-and-xml-file)
+
+This zip file contains an example scenario, accompanying XML, and a document that summarizes the scenario, 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.
diff --git a/chunks/txt/36969ca59bccfc2b4afa1e4dadeab13051ab1d16565c79a05591ef673165062a.txt b/chunks/txt/36969ca59bccfc2b4afa1e4dadeab13051ab1d16565c79a05591ef673165062a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a1d0d002e0e5294d097ba1b6996fc7e3b1196c7c
--- /dev/null
+++ b/chunks/txt/36969ca59bccfc2b4afa1e4dadeab13051ab1d16565c79a05591ef673165062a.txt
@@ -0,0 +1,199 @@
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+R
+
+CR
+
+CR
+
+CR
+
+CR
+
+T
+
+CR
+
+R
+
+R
+
+R
+
+Form FNM 2055 FRE 2055
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 209 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
+
+476
+
+6
+
+20c
+
+APPRAISER
+CERTIFICATION
+
+Address of Property Appraised
+City,State,Zip
+
+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
+
+10
+
+String
+
+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.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+UAD Requirement – Refer to Appendix D Reconciliation Section
+
+477
+
+6
+
+21
+
+APPRAISER
+CERTIFICATION
+
+APPRAISED VALUE OF
+SUBJECT PROPERTY $
+
+Property Appraised
+Value Amount
+
+Statement of property's value from a valid
+property valuation source.
+
+/VALUATION_RESPONSE/VALUATION/@PropertyAppraisedValueAmo
+unt
+
+12
+
+Money
+
+PDF Display Format:
+Numeric, whole numbers only
+
+478
+
+479
+
+480
+
+481
+
+482
+
+483
+
+484
+
+485
+
+486
+
+487
+
+488
+
+489
+
+490
+
+491
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+22
+
+23
+
+24
+
+26
+
+27
+
+28
+
+29
+
+30a
+
+30b
diff --git a/chunks/txt/369ea612d4a9ab456b0b7071e91bf10be894dd368de9df538cefb09be34ff639.txt b/chunks/txt/369ea612d4a9ab456b0b7071e91bf10be894dd368de9df538cefb09be34ff639.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c6bcf6cf2d58a1222b68195c343d0d4237d97dc8
--- /dev/null
+++ b/chunks/txt/369ea612d4a9ab456b0b7071e91bf10be894dd368de9df538cefb09be34ff639.txt
@@ -0,0 +1,13 @@
+## Examination and Supervision
+
+FHFA examines each FHLBank and the Office of Finance annually. We have designated a separate examiner-in-charge for each FHLBank and the Office of Finance who serves as the principal point of contact for the management of examination issues at the assigned FHLBank.
+
+Annual examinations are conducted by an examiner-in-charge and a team of examiners plus financial analysts, economists, and accountants. In addition, our examiners visit the FHLBanks between examinations to follow up on examination findings and discuss emerging issues.
+
+FHFA examiners collaborate with FHFA analysts, modelers, economists, accountants, and attorneys in carrying out the supervision of the FHLBanks.
+
+Our off-site monitoring program includes reviews of monthly and quarterly financial reports and information submitted to FHFA, FHLBank board and committee minutes, data on FHLBank investments, and financial statements and reports filed with the Securities and Exchange Commission.
+
+We also monitor debt issuance activities of the Office of Finance and track financial market trends. We review FHLBank documents, such as the board of directors’ compensation packages for each FHLBank, and analyze responses to a wide array of periodic and ad hoc information and data requests, including an annual survey of FHLBank collateral and collateral management practices, data on collateral securing advances made to individual insurance company members, unsecured credit data, liquidity, and periodic data on the FHLBanks' holdings of private-label MBS.
+
+Section 20 of the Federal Home Loan Bank Act (12 USC 1440) requires each Federal Home Loan Bank (FHLBank) to be examined at least annually.
diff --git a/chunks/txt/36a6d3442861a17aae343a5349ee7dd1fdb6391e9c4ff6e1e04eba3e70ce501b.txt b/chunks/txt/36a6d3442861a17aae343a5349ee7dd1fdb6391e9c4ff6e1e04eba3e70ce501b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..06129351acaf4f8d06cd6ba8d422d7c823183d78
--- /dev/null
+++ b/chunks/txt/36a6d3442861a17aae343a5349ee7dd1fdb6391e9c4ff6e1e04eba3e70ce501b.txt
@@ -0,0 +1,50 @@
+23. 7 STATE CODE + LICENSE I D - UPDATED
+
+Not required by the GSEs.
+
+23. 8 EMAI L
+
+The email address for the individual listed as the primary contact must be provided if available. When individual
+contact information is not available, the general email address for the company employing the contact may be
+provided.
+
+23. 9 PHONE
+
+The phone number for the individual listed as the primary contact must be provided if available. When individual
+contact information is not available, the general phone number for the company employing the contact may be
+provided.
+
+Appendix E: UCD Implementation Guide
+
+Page 226 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+23.0 Contact Information
+
+A. CONTACT TABLE RELATI ONSHIPS I N THE UCD FI LE
+
+For each column in the Contact Information table, PARTY occurs twice using the same Party Role Type, once for
+the organizational information and once for the associated individual contact information. This pattern will
+repeat as needed for each column to represent the total number of parties involved in the transaction.
+
+1. ESTABLI SHI NG THE REL ATI ONSHI P BETWEEN OR GANI ZATION AND I NDIV IDUAL
+
+Since each party to the transaction is identified with a single occurrence of PARTY and there are two occurrences
+with the same Party Role Type value as noted above, attributes must be included in the XML file to clarify the
+following:
+
+▪ Which PARTY represents the organization’s information?
+▪ Which PARTY represents the individual contact’s information?
+▪ What is the relationship between these PARTIES?
+
+XML uses the xlink specification to explicitly establish a relationship between two objects when the relationship
+is not expressed using the container hierarchy. Relationships are described using the XML attribute
+“@xlink:Arcrole”. An @Arcrole is information about the origin, destination and behavior of a link between two
+objects described in the XML file (in this case, between the organization and individual within one company).
+The @Arcrole value used to describe this relationship is “urn:fdc:mismo.org:2009:residential/Is Employed By,”
+which indicates that one ROLE (the “@from” ROLE, or endpoint), is employed by another ROLE (the “@to” ROLE
+or endpoint). This relationship needs to be specified for each organization – contact pair disclosed in the Contact
+Information table using RELATIONSHIP. The endpoints also need to be labeled within each ROLE container.
diff --git a/chunks/txt/36d624c64b7398c0cb8ac10224fbc817a582c04439250ada39b65805b23c5d49.txt b/chunks/txt/36d624c64b7398c0cb8ac10224fbc817a582c04439250ada39b65805b23c5d49.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2b5338b590b401b82f82332a40c8f2365a29e399
--- /dev/null
+++ b/chunks/txt/36d624c64b7398c0cb8ac10224fbc817a582c04439250ada39b65805b23c5d49.txt
@@ -0,0 +1,9 @@
+Our team primarily consists of examiners, accountants, economists, financial analysts, information technology specialists, and attorneys. We also recruit for a variety of other positions such as policy experts, budget and procurement specialists, human resources specialists, facilities and space management professionals and student interns.
+
+FHFA is committed to Equal Employment Opportunity (EEO) and the guidelines of the EEO Commission. FHFA offers a wide variety of EEO services. To learn more, please visit the [EEO page.](/about/fhfa-policies/equal-employment-opportunity-no-fear-act) FHFA is an Equal Opportunity Employer. U.S. citizenship is required.
+
+To ensure compliance with an applicable preliminary nationwide injunction, which may be supplemented, modified, or vacated, depending on the course of ongoing litigation, the Federal Government will take no action to implement or enforce the COVID-19 vaccination requirement pursuant to Executive Order 14043 on Requiring Coronavirus Disease 2019 Vaccination for Federal Employees. Therefore, to the extent a Federal job announcement includes the requirement that applicants must be fully vaccinated against COVID-19 pursuant to E.O. 14043, that requirement does not currently apply. Federal agencies may request information regarding the vaccination status of selected applicants for the purposes of implementing other workplace safety protocols, such as protocols related to masking, physical distancing, testing, travel, and quarantine.
+
+## Open to Students
+
+Visit the [Student & Recent Graduates Employment Opportunities](/about/careers/student-and-recent-graduates) page for employment opportunities open to current students, recent graduates, and entry-level employees with advanced degrees.
diff --git a/chunks/txt/36d87ae1ad3b4dc4c9b5e654965e1ea0ac64759823910766f5d68a416577f0c6.txt b/chunks/txt/36d87ae1ad3b4dc4c9b5e654965e1ea0ac64759823910766f5d68a416577f0c6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c8479ede212dba1469ef679528ef2b6ba2c9c548
--- /dev/null
+++ b/chunks/txt/36d87ae1ad3b4dc4c9b5e654965e1ea0ac64759823910766f5d68a416577f0c6.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/programs/natural-disaster-risk"
+date_accessed: "2026-01-27T17:47:56.999Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/36db6d8c441c789d9afbe1e2adc077b75f5b41b23529f60a3c8fb3530662a686.txt b/chunks/txt/36db6d8c441c789d9afbe1e2adc077b75f5b41b23529f60a3c8fb3530662a686.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5e1c6f3bdb440534abd62f1310231b2967ccbde4
--- /dev/null
+++ b/chunks/txt/36db6d8c441c789d9afbe1e2adc077b75f5b41b23529f60a3c8fb3530662a686.txt
@@ -0,0 +1,78 @@
+*See field e-7 directly below.
+
+At least one but no more than two values are
+required.
+
+R
+
+244
+
+2
+
+e-7
+
+SALES
+COMPARISON
+APPROACH
+
+View
+
+(View Type Other Description)
+
+GSE View Type
+
+The type of view associated with the
+property.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA
+RISON_VIEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL
+_EXTENSION_SECTION[@ExtensionSectionOrganizationName='UNIFO
+RM APPRAISAL
+DATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_
+DATA/COMPARISON_VIEW_DETAIL[@GSEViewType='Other']/@GSE
+ViewTypeOtherDescription
+
+20
+
+Enumerated
+
+245
+
+2
+
+24
+
+SALES
+COMPARISON
+APPROACH
+
+Design (Style)
+
+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_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_P
+RICE_ADJUSTMENT[@_Type='DesignStyle']/@_Description
+
+20
+
+String
+
+This data is referenced more than once on the form in the Site Section, and must be
+represented consistently.
+
+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.
diff --git a/chunks/txt/36dce92247d95980a0bb2fdec0530dc1c9d686de9692c46e49c14dcb4253b8fd.txt b/chunks/txt/36dce92247d95980a0bb2fdec0530dc1c9d686de9692c46e49c14dcb4253b8fd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d837a271eb8413cbeace216e0214ac5be186c916
--- /dev/null
+++ b/chunks/txt/36dce92247d95980a0bb2fdec0530dc1c9d686de9692c46e49c14dcb4253b8fd.txt
@@ -0,0 +1,86 @@
+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
+
+72 BoEth
+
+73 Race2
+
+74 Race3
+
+75 Race4
+
+76 Race5
+
+77 CoEth
+
+78 Corace2
+
+79 Corace3
+
+AMA_PUDB_Definitions_123113.xlsx
+
+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
+
+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/36e64f8baedb12e69830ec723de7d7c9ba7e6d6166aa7ff2144ca122b1635975.txt b/chunks/txt/36e64f8baedb12e69830ec723de7d7c9ba7e6d6166aa7ff2144ca122b1635975.txt
new file mode 100644
index 0000000000000000000000000000000000000000..146649d1d812b8bd1033d841e8d881f26740b2a5
--- /dev/null
+++ b/chunks/txt/36e64f8baedb12e69830ec723de7d7c9ba7e6d6166aa7ff2144ca122b1635975.txt
@@ -0,0 +1,82 @@
+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
+
+132
+
+131
+
+129
+
+130
+
+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
+$ 134
+
+, which is the date of the inspection and the effective date of this appraisal.
+
+, as of
+
+135
+
+Freddie Mac Form 2055 March 2005 226
+
+Page 2 of 6
+
+Fannie Mae Form 2055 March 2005
+
+2
+
+5
+
+Exterior-Only Inspection Residential Appraisal Report
+
+File # 3 4 4a
+
+A
+D
+D
+I
+T
+I
+O
+N
+A
+L
diff --git a/chunks/txt/36e6fd6309cf4b84c436eda3a628b549703cc00adb058a64b2adbbf57076ac94.txt b/chunks/txt/36e6fd6309cf4b84c436eda3a628b549703cc00adb058a64b2adbbf57076ac94.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8ff3de94b3981cf0b31c683341fca5b140de5290
--- /dev/null
+++ b/chunks/txt/36e6fd6309cf4b84c436eda3a628b549703cc00adb058a64b2adbbf57076ac94.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/supervision/dodd-frank-act-stress-tests"
+date_accessed: "2026-01-27T17:47:56.875Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/36ebaeb01fb33d070d959d8959bf4c176c0b7db7c85c4b36d38bae6ea58f094f.txt b/chunks/txt/36ebaeb01fb33d070d959d8959bf4c176c0b7db7c85c4b36d38bae6ea58f094f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a577aa2ae659aaaa39a957582b147f61c7d71b35
--- /dev/null
+++ b/chunks/txt/36ebaeb01fb33d070d959d8959bf4c176c0b7db7c85c4b36d38bae6ea58f094f.txt
@@ -0,0 +1,189 @@
+150.00
+
+ROF as “$150.00”
+
+7.5.5
+
+Seller-Paid
+
+7.5.5 Before Closing
+
+FeePaymentPaidBy
+Type
+
+Seller
+
+FeePaymentPaidOu
+tsideOfClosingIndic
+ator
+
+true
+
+FIFTH INSTANCE OF FEE
+
+Represented as
+Seller-Paid heading
+on form
+
+Represented as
+Before Closing
+heading n form
+
+Appendix E: UCD Implementation Guide
+
+Page 120 of 254
+
+Version 1.4
+
+ATR/QM
+
+Not Shown –
+Enables
+enumerations not
+in the MISMO
+v3.3.0 Data
+Dictionary to be
+used
+
+ROF as
+“Homeowner’s
+Association Cert
+Fee”
+
+Uniform Closing Dataset
+
+7.0 Loan Costs Table
+
+Table 96. Services Borrower Did Not Shop For
+
+Form Field / Fee
+Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0
+Value
+
+N/A
+
+…/FEE/FEE_DETAIL
+
+FeePaidToType
+
+ThirdParty
+
+ID
+
+UID
+7.073
+
+Notes
+
+Not Shown –
+ATR/QM
+
+7.5
+
+Title-Document
+Preparation Fee
+
+7.5
+
+N/A - XML
+
+FeeType
+
+TitleDocumentPrep
+arationFee
+
+@gse:DisplayLabelT
+ext
+
+Title-Document
+Preparation Fee
+
+ROF as “Title-
+Document
+Preparation Fee”
+
+IntegratedDisclosur
+eSectionType
+
+ServicesBorrowerDi
+dNotShopFor
+
+Not Shown
+
+UID
+7.070
+
+7.5.1
+
+N/A - GSE
+
+Title-Document
+Preparation Fee to
+Epsilon Title Co.
+
+…/FEE/FEE_PAID_T
+O/LEGAL_ENTITY/LE
+GAL_ENTITY_DETAI
+L
+
+RegulationZPointsA
+ndFeesIndicator
+
+true
+
+FullName
+
+Epsilon Title Co.
+
+7.5.4 Borrower-Paid At
+Closing ($)
+
+…/FEE/FEE_PAYME
+NTS/FEE_PAYMENT
+
+FeeActualPaymentA
+mount
+
+80.00
+
+7.5.4 Borrower-Paid
+
+7.5.4
+
+At Closing
+
+FeePaymentPaidBy
+Type
+
+Buyer
+
+FeePaymentPaidOu
+tsideOfClosingIndic
+ator
+
+false
+
+Not Shown –
+ATR/QM
+
+Company name of
+service provider
+
+Represented as
+“$80.00” on form
+
+Represented as
+Borrower-Paid
+heading on form
+
+Represented as At
+Closing heading on
+form
diff --git a/chunks/txt/36f776e7c5c9db778a9e8d993a026033386e7586c900f18ab1e3f2c9f3a8666c.txt b/chunks/txt/36f776e7c5c9db778a9e8d993a026033386e7586c900f18ab1e3f2c9f3a8666c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..701177886b517108bb0e7bd11bab0767f1bdbda7
--- /dev/null
+++ b/chunks/txt/36f776e7c5c9db778a9e8d993a026033386e7586c900f18ab1e3f2c9f3a8666c.txt
@@ -0,0 +1,5 @@
+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: 2100193730000 | year: 2021 | weight: 20 | state_fips_2010: 31 | state_fips_2020: NA | county_fips_2010: 31081 | county_fips_2020: NA | tract_fips_2010: 31081969200 | tract_fips_2020: NA | purpose: 3 | owner_occupied: 2 | contract_price: NA | built_up: 2 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: 555000 | sales_range_low: 405000 | updated_last_15_years: 1 | lot_size: 5 | quality: 2 | condition: 1 | bathrooms: 4 | bedrooms: 3 | gross_living_area: 8 | median_adjustment: -67200 | average_adjustment: -63267 | adjusted_price: 415000 | number_comparables: 1 | same_tract_percent: 67 | calculated_proximity: 4.89 | reported_proximity: 4.99 | value_sale_comparison: 415000 | value_cost: 415000 | value_income: NA | appraised_value: 415000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 1
+record_id: 2100238878000 | year: 2021 | weight: 20 | state_fips_2010: 12 | state_fips_2020: NA | county_fips_2010: 12101 | county_fips_2020: NA | tract_fips_2010: 12101032105 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 315000 | built_up: 2 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 1 | sales_range_high: 435000 | sales_range_low: 325000 | updated_last_15_years: 2 | lot_size: 2 | quality: 3 | condition: 1 | bathrooms: 3 | bedrooms: 3 | gross_living_area: 6 | median_adjustment: 16700 | average_adjustment: 11906 | adjusted_price: 325000 | number_comparables: 3 | same_tract_percent: 100 | calculated_proximity: 0.39 | reported_proximity: 0.37 | value_sale_comparison: 335000 | value_cost: 335000 | value_income: NA | appraised_value: 335000 | appraisal_to_contract: 106.3 | comparison_to_contract: 106.3 | dts_rural: 2
+record_id: 2100228265000 | year: 2021 | weight: 20 | state_fips_2010: 53 | state_fips_2020: NA | county_fips_2010: 53061 | county_fips_2020: NA | tract_fips_2010: 53061041601 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 2 | marketing_time: 1 | sales_range_high: NA | sales_range_low: NA | updated_last_15_years: 1 | lot_size: 5 | quality: 4 | condition: 3 | bathrooms: 4 | bedrooms: 3 | gross_living_area: 8 | median_adjustment: -3090 | average_adjustment: -10708 | adjusted_price: 925000 | number_comparables: 2 | same_tract_percent: 75 | calculated_proximity: 0.72 | reported_proximity: 0.74 | value_sale_comparison: 915000 | value_cost: 915000 | value_income: NA | appraised_value: 915000 | appraisal_to_contract: NA | comparison_to_contract: NA | dts_rural: 2
+record_id: 2100104593000 | year: 2021 | weight: 20 | state_fips_2010: 53 | state_fips_2020: NA | county_fips_2010: 53061 | county_fips_2020: NA | tract_fips_2010: 53061050800 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 1 | contract_price: 685000 | built_up: 1 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 2 | marketing_time: 1 | sales_range_high: NA | sales_range_low: NA | updated_last_15_years: 1 | lot_size: 2 | quality: 3 | condition: 3 | bathrooms: 2 | be
diff --git a/chunks/txt/3700000ba8d5b80d04675a12353af4431b4fb4878de996dacce5cf6f4209eaed.txt b/chunks/txt/3700000ba8d5b80d04675a12353af4431b4fb4878de996dacce5cf6f4209eaed.txt
new file mode 100644
index 0000000000000000000000000000000000000000..825db121a5c858e12ca7f5844a1b367fc369b82e
--- /dev/null
+++ b/chunks/txt/3700000ba8d5b80d04675a12353af4431b4fb4878de996dacce5cf6f4209eaed.txt
@@ -0,0 +1,98 @@
+Reason Units Rented is Estimated The appraiser was unable to
+obtain an exact count of renters due to incomplete data on the
+Condo Questionnaire.
+Mandatory Fees (HOA, PUD, or Co-op)
+
+Ground Rent
+
+Monthly Amount
+Common Amenities/
+Services Included
+
+Utilities Included
+
+Observed Deficiencies
+
+$604
+
+Built-in Pool
+Inground Spa
+Unit Storage (Assigned)
+Sanitary Sewer
+Water
+
+Yes No
+
+
+Description of Deficiencies There is on-going renovation of
+balconies on the building due to settlement cracking.
+
+Yes No
+
+
+
+
+Yes No
+
+
+Project Factors and Impact to Value/Marketability
+
+Project Factor
+Developer/Sponsor in Control
+
+Detail
+No
+
+Impact
+
+Comment
+
+Single Entity Ownership of Multiple
+Units
+
+Greatest Number of Units Owned - 2
+
+Neutral
+
+Commercial Space
+
+Known Legal Actions
+
+5%
+
+Yes
+
+Neutral
+
+Neutral
+
+Unit Transfer Fees
+
+None
+
+Unit Special Assessments
+
+Existing $1,580
+
+Neutral
+
+Commercial space is a convenience store
+
+There is existing litigation due to a contract issue
+experienced by a roofing company that has worked
+on the property. The litigation concerns an issue of
+non-payment to the roofing company for repairs
+made to the roof of the subject building.
+
+Negligible Impact: Project Building Repairs for
+rehabilitation of all balconies in the project.
+Term of special assessment is 2 years.
+
+Unit Tax Abatements or Exemptions
+
+None
+
+Project Factors Commentary The total special assessment for the unit is $3,160. This outstanding special assessment is considered typical for
+this type of building in this market area, so no further analysis is necessary.
+
+Project Information Commentary
diff --git a/chunks/txt/37015e02392b86b7b2d32c4b8647de2a4d78e797cb0d3b5fd7b5df22abcb622c.txt b/chunks/txt/37015e02392b86b7b2d32c4b8647de2a4d78e797cb0d3b5fd7b5df22abcb622c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2239dbe810d83bad7315c9f2a02ba1574a2f6d2d
--- /dev/null
+++ b/chunks/txt/37015e02392b86b7b2d32c4b8647de2a4d78e797cb0d3b5fd7b5df22abcb622c.txt
@@ -0,0 +1,126 @@
+Information for each Listing
+
+A row displays for each relevant listing of the subject property.
+
+Appendix F-1: URAR Reference Guide
+
+Page 201 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+19 Subject Listing Information
+
+Subject Listing Information: Information for each Listing
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+19.002
+
+Listing Status
+
+Required for each
+listing if Current or
+Relevant Listings is Yes
+
+19.003
+
+Listing Type
+
+19.004
+
+Listing ID
+
+19.005
+
+Start Date
+
+19.006 End Date
+
+19.007 DOM
+
+Required for each
+listing if Current or
+Relevant Listings is Yes
+
+Required when Listing
+Type is MLS, or if
+applicable
+
+If available for each
+listing when Current or
+Relevant Listings is Yes
+
+If available for each
+listing when Current or
+Relevant Listings is Yes
+
+Required for each
+listing when Current or
+Relevant Listings is Yes
+
+19.008
+
+Starting List
+Price
+
+19.009 Current or Final
+
+List Price
+
+If available for each
+listing when Current or
+Relevant Listings is Yes
+
+Required for each
+listing when Current or
+Relevant Listings is Yes
+
+Allowable
+Answers / Format
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+Choose an
+allowable answer
+from table (Listing
+Type)
+
+Free-form
+
+Definition / Additional Guidance
+
+Active
+Off Market (previously in MLS)
+Pending
+
+•
+•
+•
+Note: Settled sales are reported in the Prior Sale and Transfer History section
+and not here.
+
+•
+Auction
+•
+FSBO
+• MLS
+•
+
+Other (Describe)
+
+A unique number or identifier assigned to the listing by the Listing Type. If
+Listing Type is MLS, this is commonly referred to as the MLS number.
+Note: MLS Listing ID must be provided if it exists. If no MLS Listing ID is
+available, include any non-MLS identifiers used by third-party services.
diff --git a/chunks/txt/3705ec062f67ee1604baa85887ecbc237d2405117a6a9cd07f46285455bc015f.txt b/chunks/txt/3705ec062f67ee1604baa85887ecbc237d2405117a6a9cd07f46285455bc015f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e3c07b4516bcab8e72dbd5bbd1f16457d89850bc
--- /dev/null
+++ b/chunks/txt/3705ec062f67ee1604baa85887ecbc237d2405117a6a9cd07f46285455bc015f.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/data/underserved-areas"
+date_accessed: "2026-01-27T17:47:56.764Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/370b4372d6f840e59b0eedfef533f7fa507f870fb62f8381964e24aa8e438646.txt b/chunks/txt/370b4372d6f840e59b0eedfef533f7fa507f870fb62f8381964e24aa8e438646.txt
new file mode 100644
index 0000000000000000000000000000000000000000..de53bad1e90a5165dd2e08f90a8c5e2ba4fd0fd6
--- /dev/null
+++ b/chunks/txt/370b4372d6f840e59b0eedfef533f7fa507f870fb62f8381964e24aa8e438646.txt
@@ -0,0 +1,18 @@
+---
+
+- [](https://www.facebook.com/FHFA)
+ - [](https://www.x.com/FHFA)
+ - [](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [](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\/17706","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/3710df344ac9a3b6867410885575372687d56bf9bb1fa6305cd208e420ed5911.txt b/chunks/txt/3710df344ac9a3b6867410885575372687d56bf9bb1fa6305cd208e420ed5911.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d4820fdf81cc2ee7cd43d8f59ee52d145b70d3bb
--- /dev/null
+++ b/chunks/txt/3710df344ac9a3b6867410885575372687d56bf9bb1fa6305cd208e420ed5911.txt
@@ -0,0 +1,95 @@
+3464 Sq ft
+
+626 Sq ft
+
+30 × 12 = 360
+
+15 × 8 = 120
+42 × 30 = 1260
+8 × 16 = 128
+44
+4 × 11 =
+
+4 × 16 =
+64
+4 × 27 = 108
+30 × 42 = 1260
+15 × 8 = 120
+
+10
+10 × 1 =
+4 × 4
+16
+=
+20 × 30 = 600
+
+Sketch Commentary
+
+TOTAL Sketch software by a la mode, inc. 1-800-alamode
+
+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.
+
+Appraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)
+
+Uniform Residential Appraisal Report
+
+Page 6 of 24
+Page 6 of 24
+
+Dwelling Exterior
+
+Subject Property Units in
+Structure
+Dwelling Style
+Front Door Elevation
+Year Built
+Construction Method
+Converted Area
+
+1
+Ranch
+1-2 Ft.
+2018
+Site Built
+None
+
+This is where the Dwelling Front photo would display.
+
+Quality and Condition
+
+Exterior Quality Rating
+
+Q3
+
+Exterior Condition Rating
+
+C1
+
+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
+
+Detail
+Cement Board
+
+Foundation
+
+Poured Concrete | Basement
+
+Roof
+
+Windows
+
+Composition
+Estimated Age:
+Less than 1 year
+
+Subject has a mix of double
+hung and casement
+windows, all are low e.
diff --git a/chunks/txt/3725c458c18f25cd8f23a3c1192653e974b452a9c1579d02092d4c68c26f2e20.txt b/chunks/txt/3725c458c18f25cd8f23a3c1192653e974b452a9c1579d02092d4c68c26f2e20.txt
new file mode 100644
index 0000000000000000000000000000000000000000..966eb4ebff29125ae18e087f5d379ed00776afc6
--- /dev/null
+++ b/chunks/txt/3725c458c18f25cd8f23a3c1192653e974b452a9c1579d02092d4c68c26f2e20.txt
@@ -0,0 +1,103 @@
+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]
+
+Subject Property
+
+Physical Address
+Alternate Physical Address
+County
+Neighborhood Name
+
+3.000
+
+3.001
+
+3.002
+
+3.003
+
+3.010
+
+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
+
+3.011
+
+3.012
+3.013
+
+3.014
+
+3.015
+
+3.016
+
+3.017
+
+(cid:133) (cid:133)
+
+Yes No
+(cid:133) (cid:133)
+(cid:133) (cid:133)
+(cid:133) (cid:133)
+(cid:133) (cid:133)
+(cid:133) (cid:133)
+(cid:133) (cid:133)
+(cid:133) (cid:133)
+
+Attachment Type
+Units Excluding ADUs
+Accessory Dwelling Units
+Dwellings Containing Units
+Special Tax Assessments
+
+3.004
+
+3.005
+
+3.006
+
+3.007
+
+3.008
+
+Description of Special Tax Assessments and Impact to Value/
+Marketability
+
+3.009
+
+Construction Stage
+
+3.018
+
+Ownership Rights
+
+Property Rights Appraised
+Community Land Trust
+Native American Lands
+
+Ground Rent Annual Amount
+
+Renewable
+Term
+Expires
diff --git a/chunks/txt/372ad6e42f22f5059f795bce5d7c1cb50587a20dda5a5946f6e8b73dfe36a7e6.txt b/chunks/txt/372ad6e42f22f5059f795bce5d7c1cb50587a20dda5a5946f6e8b73dfe36a7e6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2c89efe361df771e18af02ea3f4a372662e9536f
--- /dev/null
+++ b/chunks/txt/372ad6e42f22f5059f795bce5d7c1cb50587a20dda5a5946f6e8b73dfe36a7e6.txt
@@ -0,0 +1,100 @@
+This field may not exist in all forms vendor
+software.
+
+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)
+This data is referenced more than once on the form (fields 1-6, 3-11, 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:
+·Address unit designator and number
+This data is referenced more than once on the form (fields 1-7, 3-12a, 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:
+· City
+This data is referenced more than once on the form (field 1-8, 3-12b, 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:
+· USPS two-letter state or territory representation
+This data is referenced more than once on the form (fields 1-9, 3-12c, 6-20c), and must
+be represented consistently.
+
+R
+
+R
+
+T
+
+T
+
+T
+
+T
+
+R
+
+R
+
+R
+
+R
+
+50
+
+50
+
+50
+
+50
+
+60
+
+N/A
+
+String
+
+String
+
+String
+
+String
+
+String
+
+40
+
+2
+
+String
+
+String
+
+Form FNM 1075 FRE 466
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 128 of 211
+
+Document Version 1.4
+
+Sort ID
+
+Form
+Page
+
+Form
+Reference
+Number
+
+Form Section
diff --git a/chunks/txt/3744648ba1c78922432bd465f8cfcb927bc7bbcc9e8a8610ff597a14c197dc5f.txt b/chunks/txt/3744648ba1c78922432bd465f8cfcb927bc7bbcc9e8a8610ff597a14c197dc5f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6c526190c2c65371e572b5dc511f24f712c07d25
--- /dev/null
+++ b/chunks/txt/3744648ba1c78922432bd465f8cfcb927bc7bbcc9e8a8610ff597a14c197dc5f.txt
@@ -0,0 +1,46 @@
+CLOSING_ADJUSTMENT_ITEM_DETAIL
+
+Holds data points describing the closing adjustment.
+
+CLOSING_ADJUSTMENT_ITEM_PAID_BY Holds the unparsed name of the entity funding the adjustment.
+
+EXTENSION/OTHER/gse:CLOSING_ADJUS
+TMENT_ITEM_PAID_BY
+
+Holds the unparsed name of the entity to whom a gift, grantor rebate is paid.
+
+a. When to Use CLOSING_ADJUSTMENT_ITEM
+
+The CLOSING_ADJUSTMENT_ITEMS structure is used to convey amounts that impact the Borrower’s cash to close.
+
+i.
+
+ii.
+
+iii.
+
+iv.
+
+v.
+
+vi.
+
+Adjustments must NOT be provided in LIABILITY as negative line items.
+
+CLOSING_ADJUSTMENT_ITEMS should NOT be used to adjust fee line items. Instead, any change to a fee
+charged to the borrower must be delivered in the FEE_ITEM structure associated with the specific fee.
+
+The ClosingAdjustmentItemType of “SellerCredit” follows the same approach—this is the sum of any general
+credits to the borrower from the seller. If an item has already been identified as a Seller-Paid fee, any
+adjustments attributable to that fee must use FEE_ITEM.
+
+General credits from parties other than the seller or lender “Other Credits” use CLOSING_ADJUSTMENT_ITEM.
+Again, if the credit or rebate is attributable to a specific fee, the FEE_ITEM container holding that fee is the
+appropriate location to provide the adjustment with a FeePaymentPaidByType = “ThirdParty”.
+
+CLOSING_ADJUSTMENT_ITEM holds data about amounts due to the borrower from the seller that are not a
+proration of an existing housing expense. In those cases, PRORATION_ITEM is used.
+
+In the case of a refinance transaction disclosed on either the Model or Alternate forms, the
+CLOSING_ADJUSTMENT_ITEM container is also used for applicable adjustments (proceeds from subordinate
+liens, gifts, grants, rebates, transferred escrow balance, principal reduction).
diff --git a/chunks/txt/374c243b0c1061ad6a3c96684a9a34c45e0d2c87e989c03b77999949cfcd9a8b.txt b/chunks/txt/374c243b0c1061ad6a3c96684a9a34c45e0d2c87e989c03b77999949cfcd9a8b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..91eedd3c758f4ba54675c404cc91b86d02aa6eae
--- /dev/null
+++ b/chunks/txt/374c243b0c1061ad6a3c96684a9a34c45e0d2c87e989c03b77999949cfcd9a8b.txt
@@ -0,0 +1,112 @@
+This is where the Property Access photo would display.
+
+Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 5 of 22
+
+Sketch
+
+Measurement Standard
+
+ANSI
+
+Sketch
+
+This is where the Sketch image would display.
+
+Dwelling Exterior
+
+Subject Property Units in
+Structure
+Structure Design
+Front Door Elevation
+Townhouse End Unit
+Townhouse Back to Back
+Units Above or Below
+Year Built
+Construction Method
+Converted Area
+
+1
+Rowhouse/Townhouse
+2-3 Ft.
+Yes
+No
+No
+2016
+Site Built
+None
+
+This is where the Subject Property photo would display.
+
+Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 6 of 22
+
+Dwelling Exterior (continued)
+
+Quality and Condition
+
+Exterior Quality Rating
+
+Q3
+
+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
+
+Detail
+Brick | Wood
+
+Foundation
+
+Roof
+
+Windows
+
+Poured Concrete | Basement
+
+Slate
+Estimated Age: 1-10 years
+
+Mostly double hung
+windows - some palladian
+and transom windows noted.
+
+Mechanical System Details
+
+Heating
+
+Cooling
+
+System
+Forced Warm Air
+
+Centralized
+
+Detail
+Natural Gas
+
+Quality Comment
+The exterior walls and trim
+use upper end finishes
+and materials. Trim is more
+extensive than that typically
+seen for these types of
+structures.
+
+Slate shingles are typically
+considered to be an upper
+end material for this type of
+structure.
diff --git a/chunks/txt/3770a3681a8bbf238bf886d72601cf000593dac0c2e370300056d5d0e9972ac0.txt b/chunks/txt/3770a3681a8bbf238bf886d72601cf000593dac0c2e370300056d5d0e9972ac0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7632d8ff3cb1c125e4134ca6ece3b48124bba04c
--- /dev/null
+++ b/chunks/txt/3770a3681a8bbf238bf886d72601cf000593dac0c2e370300056d5d0e9972ac0.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/research?category%5B941%5D=941"
+date_accessed: "2026-01-27T17:47:56.055Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/377625cd74fc98afea9028d48758c52417897ef340bb28e838398bb1c2011c2a.txt b/chunks/txt/377625cd74fc98afea9028d48758c52417897ef340bb28e838398bb1c2011c2a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dc8c835b2cc81acc5574611bd4e982cb369eb47a
--- /dev/null
+++ b/chunks/txt/377625cd74fc98afea9028d48758c52417897ef340bb28e838398bb1c2011c2a.txt
@@ -0,0 +1,106 @@
+TotalOtherCosts
+
+337.00
+
+229.00
+
+250.00
+
+1566.00
+
+UCD v2.0 Implementation Guide
+
+- 79 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Figure 59. Rendering Section Heading Data on the CD Closing Cost Details Tables.
+
+CD Excerpt
+
+UCD v2.0 Spec Excerpt
+
+8.19 Other Costs Subtotals
+
+8.19.2
+
+8.19.3
+
+IntegratedDisclosureSubsectionTy
+pe = “OtherCostsSubtotals”
+
+9.1 TOTAL CLOSING COSTS
+
+9.2 Closing Costs Subtotals
+
+9.3 Lender Credits
+
+9.1.1 $7,522.00
+
+TotalClosingCosts
+
+7522.00
+
+9.2.2
+
+9.2.3
+
+IntegratedDisclosureSubsectionTy
+pe = “ClosingCostsSubtotals”
+
+IntegratedDisclosureSubsectionTy
+pe = “LenderCredits”
+
+The subsection payment breakouts for Borrower-Paid At Closing or Before Closing are related to the subsection label
+
+through containment—this time within the INTEGRATED_DISCLOSURE_SECTION_SUMMARY container.
+
+If the value of IntegratedDisclosureSubsectionPaymentAmount ≠ 0 for IntergratedDisclosureSubsectionType =
+“LenderCredits”, the data point LenderCreditToleranceCureAmount must be present in the INTEGRATED_DISCLOSURE_
+SECTION_SUMMARY_DETAIL container even if the value is 0.00.
+
+Figure 60. Rendering Subsection Payment Data on the CD Closing Cost Details Tables.
+
+CD Excerpt
+
+UCD v2.0 Spec Excerpt
+
+Borrower-Paid
+
+IntegratedDisclosureSubsectionPaidByType = “Buyer”
+
+Loan Costs
+
+7.0
+
+IntegratedDisclosureSubsectionPaymentTimingType =
+
+At Closing
+
+Before Closing
+
+“AtClosing”
+
+“BeforeClosing”
+
+7.8 D. TOTAL LOAN COSTS
+
+7.8.1
+
+IntegratedDisclosureSubsectionPa
+ymentAmount
+
+IntegratedDisclosureSubsectionPa
+ymentAmount
+
+7.9 Loan Costs Subtotals
+
+7.9.2
+$2,000.00
+
+7.9.2
+$4,156.00
diff --git a/chunks/txt/377e1db4047ae2415943bd2cadf4459685070f097ef9e03afde22e8495b63350.txt b/chunks/txt/377e1db4047ae2415943bd2cadf4459685070f097ef9e03afde22e8495b63350.txt
new file mode 100644
index 0000000000000000000000000000000000000000..efcb61a801408c1aea8fe4eed7f58d4759ba7eca
--- /dev/null
+++ b/chunks/txt/377e1db4047ae2415943bd2cadf4459685070f097ef9e03afde22e8495b63350.txt
@@ -0,0 +1,5 @@
+Legal Description (H1) ......................................................................................................................................... 81
+
+Original Appraisal .......................................................................................................................................... 81
+
+Appraisal Update ........................................................................................................................................... 81
diff --git a/chunks/txt/37a143549eedb505a8e41324bf3d3bed56281f482e430ee4d0d8bd7dde121a5c.txt b/chunks/txt/37a143549eedb505a8e41324bf3d3bed56281f482e430ee4d0d8bd7dde121a5c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4e3fd96b1f5e8bcc41dff35da600057526cb9eba
--- /dev/null
+++ b/chunks/txt/37a143549eedb505a8e41324bf3d3bed56281f482e430ee4d0d8bd7dde121a5c.txt
@@ -0,0 +1,27 @@
+[]()
+
+
+
+- [Home](/)
+ - [Delivering](/delivering)
+ - Uniform Mortgage Data Program
+
+Delivering
+
+# Uniform Mortgage Data Program
+
+Fostering data standardization, data exchange efficiencies, and enhanced risk management for lenders
+
+Uniform Mortgage Data Program (UMDP) is an effort undertaken jointly by Fannie Mae and Freddie Mac at the direction of U.S. Federal Housing (FHFA) to enhance mortgage data quality and standardization.
+
+UMDP is composed of several initiatives supporting standardization of appraisal data, loan application data, closing disclosure data, and loan delivery data.
+
+
+
+document.addEventListener('DOMContentLoaded', function () { Coveo.SearchEndpoint.endpoints['default'] = new Coveo.SearchEndpoint({ restUri: 'https://fanniemae9glu2r77.org.coveo.com/rest/search', accessToken: '123', searchAlertsUri: 'https://fanniemae9glu2r77.admin.org.coveo.com/rest/search/alerts' }); var root = Coveo.$$(document).find("#sectionsearchbox"); Coveo.initSearchbox(root, "/search?sectionid=731", { Searchbox : { placeholder : "Search Delivering" } }); Coveo.state(Coveo.$$(document).find("#sectionsearchbox"), {}); });
+
+
+
+[FAQs](/delivering/uniform-mortgage-data-program/faqs-uniform-mortgage-data-program)
+
+
diff --git a/chunks/txt/37a5a8d0210a6d90b380972313e35910234d3120e1e012963cca70159ac62dd3.txt b/chunks/txt/37a5a8d0210a6d90b380972313e35910234d3120e1e012963cca70159ac62dd3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ef18d46e40de1f8c13fa7fa809c4f21040ebc562
--- /dev/null
+++ b/chunks/txt/37a5a8d0210a6d90b380972313e35910234d3120e1e012963cca70159ac62dd3.txt
@@ -0,0 +1,71 @@
+indicator, suffix, post-directional indicator,
+and unit number when applicable)
+
+• City
+
+• USPS two-letter state or territory
+
+representation
+
+• 5-digit ZIP Code or ZIP+4 code (either with
+
+or without the dash)
+
+Reporting Format:
+
+• Property Address– Text
+
+• City – Text
+
+• State – 2-letter USPS abbreviation
+
+• ZIP Code – 5-digit ZIP Code or ZIP+4 code
+
+(either with or without the dash)
+
+Page 7 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.
+
+Unit #
+
+• 1073/465
+
+REQUIREMENT
+
+The appraiser must enter the address unit
+number/designator.
+
+During the appraisal process if an appraiser
+determines that a unit number is not available
+for a property known to be a condominium,
+the appraiser must put a “-“ in the unit number
+field. The "-" symbolizes that the appraiser
+has researched the property address and was
+unable to identify a unit number for the given
+condominium unit. This is only likely to be
+necessary in a limited number of instances.
+This format option is allowable for both the
+subject property and the comparable
+properties. The address and unit number
+must be provided consistently for the subject
+property throughout the appraisal.
+
+Reporting Format:
+Unit # – Text
+
+County
+The appraiser should enter the name of the
+county in which the subject property is
+located. 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.
diff --git a/chunks/txt/37b114b8e3e4cd9300c77c0ea7c14b1d07ef4ced9b49fccce31a962ff402f327.txt b/chunks/txt/37b114b8e3e4cd9300c77c0ea7c14b1d07ef4ced9b49fccce31a962ff402f327.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ca0365983863ba32e1c97ee39599182197d21a7d
--- /dev/null
+++ b/chunks/txt/37b114b8e3e4cd9300c77c0ea7c14b1d07ef4ced9b49fccce31a962ff402f327.txt
@@ -0,0 +1,47 @@
+Credit Scoring Model: Credit Scoring
+
+Model is a new HMDA data element
+that provides the name of the credit
+scoring model (if any) used to evaluate
+the loan.35 Both Enterprises collect this
+data. The available Credit Scoring
+Model data will be disclosed without
+modification for up to two borrowers in
+the PUDB Single-Family Census Tract
+File, in conformance with the CFPB
+Privacy Guidance.36
+
+Manufactured Home Land Property
+
+Interest: Manufactured Home Land
+Property Interest is a new HMDA data
+element that indicates whether the
+
+30 12 CFR 1003.4(a)(28).
+31 84 FR at 663. E.g., for a reported value of
+$117,834, the dataset will disclose it as $115,000,
+which is the midpoint between values equal to
+$110,000 and less than $120,000. Id. at 673.
+
+32 In the FHFA 2010 Order, FHFA stated that a
+
+HMDA Preapproval data element would not be
+included in the PUDB because it does not relate to
+originated loans that could then be purchased by
+the Enterprises. 75 FR at 41186. However, upon
+further analysis, FHFA concludes that the HMDA
+Preapproval data element does apply to originated
+loans. The ‘‘Preapproval’’ data element is defined
+in 12 CFR 1003.4(a)(4) as whether a ‘‘covered loan
+involved a request for a preapproval of a home
+purchase loan under a preapproval program.’’ In
+contrast, the HMDA Action Taken values relating to
+preapproval, 12 CFR 1003.4(a)(8)(i)(C), specifically
+apply only to loans that were not originated
+(whether a preapproval request that did not result
+in the origination of a home purchase loan was
+denied or approved but not accepted). Accordingly,
+beginning with the 2018 PUDB, the Preapproval
+data element parallel to 12 CFR 1003.4(a)(4) will be
+included, but not the Action Taken values related
+to preapproval in 12 CFR 1003.4(a)(8)(i)(C).
diff --git a/chunks/txt/37b193783054171b9518dfc9016f58bb9338e684cdf21e787082855977009c9d.txt b/chunks/txt/37b193783054171b9518dfc9016f58bb9338e684cdf21e787082855977009c9d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..83af91e6597906362e1584f11e23b2a245090ca0
--- /dev/null
+++ b/chunks/txt/37b193783054171b9518dfc9016f58bb9338e684cdf21e787082855977009c9d.txt
@@ -0,0 +1,5 @@
+Subject Property Amenities – Arcrole Relationships ................................................................................................................................................................ 228
+
+15 Overall Quality and Condition ......................................................................................................................................................................................................... 229
+
+Overview ................................................................................................................................................................................................................................................ 229
diff --git a/chunks/txt/37b7f284d0565aecee0fe05dd7d5d62ee9702b7e159e94518fa20e040adeff5f.txt b/chunks/txt/37b7f284d0565aecee0fe05dd7d5d62ee9702b7e159e94518fa20e040adeff5f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6e04578273cc248e8fb2cf700a2355b14b9a3805
--- /dev/null
+++ b/chunks/txt/37b7f284d0565aecee0fe05dd7d5d62ee9702b7e159e94518fa20e040adeff5f.txt
@@ -0,0 +1,142 @@
+Years 6 – 8
+Estimated Total
+Monthly Payment
+($) max
+
+Years 6 – 8
+Estimated Total
+Monthly Payment
+($) min
+
+Years 9 – 11
+Estimated Total
+Monthly Payment
+($) max
+
+Years 9 – 11
+Estimated Total
+Monthly Payment
+($)
+
+Years 12 – 30
+Estimated Total
+Monthly Payment
+($) max
+
+Years 12 – 30
+Estimated Total
+
+…/PROJECTED_PAY
+MENT
+
+1518.09
+
+ROF as “$1,518”
+
+1295.83
+
+ROF as “$1,296”
+
+ProjectedPaymentE
+stimatedTotalMaxi
+mumPaymentAmo
+unt
+
+ProjectedPaymentE
+stimatedTotalMini
+mumPaymentAmo
+unt
+
+Third Instance of PROJECTED_PAYMENT
+
+…/PROJECTED_PAY
+MENT
+
+ProjectedPaymentE
+stimatedTotalMaxi
+mumPaymentAmo
+unt
+
+ProjectedPaymentE
+stimatedTotalMini
+mumPaymentAmo
+unt
+
+1657.34
+
+ROF as “$1,657”
+
+1213.48
+
+▪ ROF as “$1,213”
+▪ Reflects MI
+termination
+
+Fourth Instance of PROJECTED_PAYMENT
+
+…/PROJECTED_PAY
+MENT
+
+ProjectedPaymentE
+stimatedTotalMaxi
+mumPaymentAmo
+unt
+
+ProjectedPaymentE
+stimatedTotalMini
+
+2,076.28
+
+ROF as “$2,076”
+
+1213.48
+
+▪ ROF as “$1,213”
+
+Appendix E: UCD Implementation Guide
+
+Page 97 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+5.0 Projected Payments Table
+
+Table 83. Estimated Total Monthly Payment Ranges
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+Monthly Payment
+($) min
+
+MISMO v3.3.0 Data
+Point
+mumPaymentAmo
+unt
+
+MISMO v3.3.0
+Value
+
+Notes
+
+▪ Reflects MI
+termination
+
+5. 6 ESTI MATED TAXES, I NSURANCE & ASSESSMENTS
+
+Figure 67 illustrates the bottom section of the Projected Payments table. 5.6.1 and 5.6.2 disclose a total
+periodic payment for Estimated Taxes, Insurance & Assessments (ETI&A).
+
+5.0 Projected Payments
+
+5.6 Estimated Taxes, Insurance
+& Assessments
+
+Amount can increase over time
+See page 4 for details
diff --git a/chunks/txt/37b8a7da638933c7d963c3db4c18c6d4ff24c099cb242e8011187393d298af6f.txt b/chunks/txt/37b8a7da638933c7d963c3db4c18c6d4ff24c099cb242e8011187393d298af6f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a1057ee4ea68d3c5cbfd84ac83bd8588499c9548
--- /dev/null
+++ b/chunks/txt/37b8a7da638933c7d963c3db4c18c6d4ff24c099cb242e8011187393d298af6f.txt
@@ -0,0 +1,33 @@
+Additional commentary can be added here, if needed by Appraiser.
+
+SiteFeatures
+
+Additional commentary can be added here, if needed by Appraiser.
+
+ProjectFactors
+
+Additional commentary can be added here, if needed by Appraiser.
+
+Project
+
+The original use for the subject's project was apartment rental units, up until the cooperative conversion. Additionally, the project offers office space for use on the property. This office space is located within the project and has no impact to value/marketability.
+
+SubjectPropertyAmenities
+
+Additional commentary can be added here, if needed by Appraiser.
+
+Sketch
+
+Additional commentary can be added here, if needed by Appraiser.
+
+SiteInfluences
+
+The site is located approximately one mile from the Potomac River. This location provides beneficial water views for units located above the third floor, on the side of the buildings facing the river. Units on the opposite side of the building do not have water views. In regards to the environmental condition, pollutants have been identified and can contain Endocrine Disruptors (EDCs) that are not completely removed in treatment plants. During periods shortly after heavy rainstorms, the residents in the area are advised not to swim in the Potomac River due to these hazards. Even so, there is no measurable adverse impact on marketability or values concerning the subject. The demand for housing in the subject's market has remained consistent over the years.
+
+SubjectProperty
+
+Additional commentary can be added here, if needed by Appraiser.
+
+SalesContract
+
+The contract was accepted 8/23/2019; the buyer has deposited a check in the amount of $10,000.
diff --git a/chunks/txt/37b8e0c96ce4802398a208c3d9d29753aeca500f372fdbe655f6beeeff904275.txt b/chunks/txt/37b8e0c96ce4802398a208c3d9d29753aeca500f372fdbe655f6beeeff904275.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c0579b2ad33f60aedffbfaa2ec9b5b3ee0587782
--- /dev/null
+++ b/chunks/txt/37b8e0c96ce4802398a208c3d9d29753aeca500f372fdbe655f6beeeff904275.txt
@@ -0,0 +1,9 @@
+TB_sub-H1-R - Dark Gray Bar in table align right ................................................................................................ 29
+
+TB-SCA_sub-H1 – Dark Gray Bar in Comparable Grids ....................................................................................... 29
+
+TB-SCA_sub-H1-ADJ - Dark Gray Bar in Comparable Grids – Adjustable Row .................................................... 30
+
+TB-SCA_H2 - Light Gray Bar in Comparable Grids .............................................................................................. 30
+
+Images ........................................................................................................................................................... 30
diff --git a/chunks/txt/37e8aee951b68d6c5c4e57dbab53d04591da7c6091b1a5c233c1d8a5244c0790.txt b/chunks/txt/37e8aee951b68d6c5c4e57dbab53d04591da7c6091b1a5c233c1d8a5244c0790.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d8990e18ef48b349b27a54089f701cbc63b2dab1
--- /dev/null
+++ b/chunks/txt/37e8aee951b68d6c5c4e57dbab53d04591da7c6091b1a5c233c1d8a5244c0790.txt
@@ -0,0 +1,69 @@
+FNM
+
+FNM
+
+FRE
+
+FRE
+
+*Fannie Mae (FNM); Freddie Mac (FRE)
+
+Property Types in the URAR
+
+The dynamic Uniform Residential Appraisal Report (URAR), which replaces legacy forms like the 1004/70 and 1073/465,
+supports a flexible, data-driven format. This structure accommodates various property types and valuation methods,
+enabling tailored feedback.
+
+There are six UAD data points in the Document Level Results that drive the property type identification for the URAR.
+
+Data Fields Specific to the Property Type for URAR
+
+SSR PDF Property Data Point Name
+
+Property Data Point Name UAD Delivery Spec
+
+Property Valuation Method
+
+propertyValuationMethodType
+
+Units Excluding ADUs
+
+livingUnitExcludingAduCount
+
+Accessory Dwelling Units (FRE) / Number of ADUs (FNM)
+
+accessoryDwellingUnitTotalCount
+
+Project Legal Structure
+
+Construction Method
+
+projectLegalStructureType
+
+constructionMethodType
+
+Subject Site Owned in Common
+
+landOwnedInCommonIndicator
+
+© 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.
+
+Property Type Data Fields in the URAR
+
+Fannie Mae
+
+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.
+
+Data Fields Specific to the Property Type Identification
+
+Field Name
+
+Definition / Description
diff --git a/chunks/txt/37ee8833dd5108b1a552b82bbd8c42f7cab1e151512ac1e46e762a073de5505b.txt b/chunks/txt/37ee8833dd5108b1a552b82bbd8c42f7cab1e151512ac1e46e762a073de5505b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ae1e4d1ce3b19aa5b83dc7fef45f55d10f6caae4
--- /dev/null
+++ b/chunks/txt/37ee8833dd5108b1a552b82bbd8c42f7cab1e151512ac1e46e762a073de5505b.txt
@@ -0,0 +1,29 @@
+Technology Manager Release Notes
+Effective March 11, 2024
+
+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?
+
+• Sponsorship Request Limit – When a broker submits a sponsorship request, it will remain active for
+
+180 days. If request has not been acted upon after 180 days, it will be deleted, and another
+submission is required.
+
+• User Reactivation – Users deactivated for more than 180 days cannot be reactivated.
+• Deactivated User Report – This report will include those users deactivated in the last 180 days; any
+
+deactivations that exceed 180 days will no longer be available.
+
+• Edit Company Configuration/Password Configuration – Admins will have option to select the
+
+password reset duration for their users for 30, 60 or 90 days.
+
+• Change My Password – When changing passwords, Technology Manager will lock a user's account
+
+after more than five failed attempts for their current password.
+
+© 2024 Fannie Mae 3.4.24 Page 1 of 1
diff --git a/chunks/txt/38036141551f4c4d957d22e3a5ac50b7d64d8127047af40dfb1df3e0f85e9072.txt b/chunks/txt/38036141551f4c4d957d22e3a5ac50b7d64d8127047af40dfb1df3e0f85e9072.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c14fc19a92abf4abc6bd0dd826776cdad6bc3697
--- /dev/null
+++ b/chunks/txt/38036141551f4c4d957d22e3a5ac50b7d64d8127047af40dfb1df3e0f85e9072.txt
@@ -0,0 +1,225 @@
+none
+
+none
+
+none
+
+Dad Firstimer
+Mom Firstimer
+5 mortgages, 2 w/balances
+
+Ross Blemished
+2 mortgages w/balances
+
+Wanna House
+Needa House
+1 mortgage w/balance
+
+Elizabeth Spender
+1 mortgage w/balance
+
+Ken Customer
+
+500-50-7000 650, 639, 620
+
+Individual
+
+5004549
+
+2 X 30
+
+1 X 60
+
+none
+
+none
+
+none
+
+none
+
+none
+
+1
+
+none
+
+© 2018 Fannie Mae. Trademarks of Fannie Mae.
+
+November 8, 2018
+
+1 of 2
+
+Homer Loanseeker
+1 mortgage w/balance
+
+Mort Gage
+Ann Gage
+Security freeze placed for
+co-borrower ONLY with two
+repositories – CA Bill 168
+
+Pitt Rock, Jr.
+This borrower is
+participating in Consumer
+Credit Counseling
+
+Sonny Graves
+His Social Security number
+is reported as one that
+does not belong to the
+borrower
+
+Loco Motion
+Incorrect satisfaction date on
+BK, unknown type of PR,
+unrated mortgage
+
+Lucky Knowscore
+Has no credit score.
+
+Ima One
+Security freeze placed
+ONLY with one
+repository
+
+Borrower(s) Name
+
+SS#
+
+Credit
+Scores
+
+Credit
+Report Type Number
+
+Reference Credit History
+
+999-60-1111 640, 636, 620
+
+Individual
+
+5004559
+
+30+days
+4 X 30
+
+60+days 90+days 120+days Bankruptcy Foreclosure Tax Liens Judgment Collection
+3 X 60
+
+2 civil suits
+
+1 X 90
+
+none
+
+none
+
+none
+
+none
+
+none
+
+000-00-0002 710, 680, 685
+000-00-0003
+
+720
+
+Joint
+
+5004589
+
+none
+
+none
+
+none
+
+none
+
+none
+
+none
+
+none
+
+none
+
+none
+
+666-00-6666 525, 515, 497
+
+Individual
+
+5004599
+
+11 X 30
+
+none
+
+none
+
+none
+
+1
+
+5
+
+5
+
+none
+
+1
+
+001-01-0021 678, 702, 692
+
+Individual
+
+5004609
+
+none
+
+none
+
+none
+
+none
+
+none
+
+none
+
+none
+
+none
+
+none
+
+999-47-8801 658, 584, 641
+
+Individual
+
+500461
+
+4 X 30
+
+1 X 60
+
+1 X 90
+
+none
+
+1
+
+1
+
+none
+
+1
+
+1 civil suit
+
+none
+
+none
diff --git a/chunks/txt/38039b845ab813517388eeed1bd7fd306d13dfcb034d6763fe19d878169de760.txt b/chunks/txt/38039b845ab813517388eeed1bd7fd306d13dfcb034d6763fe19d878169de760.txt
new file mode 100644
index 0000000000000000000000000000000000000000..42e1edb03eaafe4ccfbd82364e3f5d865179a46b
--- /dev/null
+++ b/chunks/txt/38039b845ab813517388eeed1bd7fd306d13dfcb034d6763fe19d878169de760.txt
@@ -0,0 +1,23 @@
+[Role]
+
+TXR
+SIG-B
+
+[Contact Name]
+
+Date of Signature and Report
+
+TXR-B
+
+TXR-B
+
+Level
+ID
+State
+Expires
+
+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/382c78f058cfe462fb57de3c44adb66375c5e7aeeac0b70af662fbe366078082.txt b/chunks/txt/382c78f058cfe462fb57de3c44adb66375c5e7aeeac0b70af662fbe366078082.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2feb756d5532512fa83145a41a7e26e26dbba13e
--- /dev/null
+++ b/chunks/txt/382c78f058cfe462fb57de3c44adb66375c5e7aeeac0b70af662fbe366078082.txt
@@ -0,0 +1,15 @@
+**Q27. Will there be Loan Delivery edits triggered based on the UCD feedback messages?**
+
+Loan Delivery edits will not be triggered based on UCD feedback messages. The UCD collection solution and Loan Delivery application are separate systems and do not communicate.
+
+**Q28. What type of validation will be done for the Closing Disclosure PDF?**
+
+A copy of the Closing Disclosure must be provided as an embedded PDF within the UCD XML file when the loan is delivered. An error message will alert you if the PDF is missing in the UCD file. Initially, there will be no edits that compare the data in the Closing Disclosure PDF with the data in the UCD XML file; however, Fannie Mae will analyze the data post-acquisition and will notify lenders of any issues.
+
+**Q29. Should I include any Addendums associated to the Closing Disclosure when embedding the PDF?**
+
+Yes, the Closing Disclosure and any associated Addendums should be embedded in the UCD XML file. Other documents (i.e. entire Closing Package) **should not** be a part of the PDF. Including these types of documents may cause the file to exceed the maximum file size limit and receive an unsuccessful status. Please refer to FAQ 4: Are there any file size limitations?
+
+**Q30. Can I upload a Borrower Closing Disclosure outside of the UCD XML file?**
+
+Fannie Mae’s UCD collection solution allows for the upload of a PDF to an existing XML submission. If a UCD XML file has been submitted, and the file does not include an embedded PDF, you can attach the PDF via the UCD Findings Report by right clicking on the PDF icon with a slash in it. The collection solution will consider this a re-submission and rerun the submission including any edits that are applicable. After submission, you can the view the attached pdf.
diff --git a/chunks/txt/382f95e423de1f96a55c1a7ffb0cc6137e8361cfd0e88de4a4351e3fe92dc903.txt b/chunks/txt/382f95e423de1f96a55c1a7ffb0cc6137e8361cfd0e88de4a4351e3fe92dc903.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2d9644706937214e98420ebc157db649de0b0adc
--- /dev/null
+++ b/chunks/txt/382f95e423de1f96a55c1a7ffb0cc6137e8361cfd0e88de4a4351e3fe92dc903.txt
@@ -0,0 +1,27 @@
+4. Disclosure Avoidance and Privacy Harm Reduction
+Techniques
+
+A UAD appraisal record contains information about the property owner, borrower, and appraiser(s),
+including Personally Identifiable Information (PII). A UAD appraisal record also includes a significant
+amount of information about the features, neighborhood, quality, and condition of the appraised property
+and comparable properties. While much of the information about properties contained in a UAD
+appraisal record is also available in public records or real estate listings, or is observable from a publicly
+accessible location, some information is only available through a site visit during a traditional appraisal.
+
+FHFA designed the UAD Appraisal-Level PUF to balance the need to include property, borrower, and
+neighborhood characteristics most useful to analyze with the need to meet two privacy goals. The first
+privacy goal was to reduce the possibility of identifying (sometimes referred to as re-identifying) a
+
+Federal Housing Finance Agency
+
+4
+
+UAD PUF Version 2.1 Data Documentation
+
+property address based on the available information about the appraised property. FHFA is aware that,
+due to the significant number of property characteristics common to UAD and public sources, a person
+could perform a re-identification attack that might reveal the property address of a UAD record.
+
+The second privacy goal was to reduce the privacy harm to borrowers, property owners, and appraisers,
+should a user be able to re-identify a property address successfully. To achieve these two privacy goals,
+FHFA adopted several disclosure avoidance techniques described below.
diff --git a/chunks/txt/3832aebc739f2228f60dab8b2d8cf6501598075b5e2e49a93006836064bb7ddf.txt b/chunks/txt/3832aebc739f2228f60dab8b2d8cf6501598075b5e2e49a93006836064bb7ddf.txt
new file mode 100644
index 0000000000000000000000000000000000000000..56a978e1e9d0302a0dc3e16cf164bef55d8d2ea6
--- /dev/null
+++ b/chunks/txt/3832aebc739f2228f60dab8b2d8cf6501598075b5e2e49a93006836064bb7ddf.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/sitemap"
+date_accessed: "2026-01-27T17:54:20.755Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/383a22800d9b6823ee8b23ad18d31eecc52d29ebc715c51b3f3ed4a44e61d551.txt b/chunks/txt/383a22800d9b6823ee8b23ad18d31eecc52d29ebc715c51b3f3ed4a44e61d551.txt
new file mode 100644
index 0000000000000000000000000000000000000000..90a47f633bee3b93c88d79dc694ca0b1e62ca745
--- /dev/null
+++ b/chunks/txt/383a22800d9b6823ee8b23ad18d31eecc52d29ebc715c51b3f3ed4a44e61d551.txt
@@ -0,0 +1,9 @@
+Appendix E: UCD Implementation Guide
+
+Page 5 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+Table of Contents
diff --git a/chunks/txt/383b5fa3ced577150f0254576d888aee4dcd849b68970c0d99e2dd7a5e8a23ad.txt b/chunks/txt/383b5fa3ced577150f0254576d888aee4dcd849b68970c0d99e2dd7a5e8a23ad.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f8a57e75775099b46428b7cf315268cdbb1e4a2e
--- /dev/null
+++ b/chunks/txt/383b5fa3ced577150f0254576d888aee4dcd849b68970c0d99e2dd7a5e8a23ad.txt
@@ -0,0 +1,73 @@
+Uniform Appraisal Dataset (UAD) Specification
+
+Issued by Fannie Mae and Freddie Mac
+Appendix D-1: Manufactured Home Scenario 1 (MH1)
+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 manufactured home with multiple sections. It has 1,568 sq. ft. of finished area, three
+bedrooms, and two baths. The appraisal is for a refinance of the existing mortgage on the land, with a
+new construction manufactured home. The manufactured home has not been occupied and is in C1
+condition.
+
+The property includes two existing outbuildings and private waterfront access.
+
+Key Characteristics
+
+• Parties associated with this transaction:
+
+o Lender (Client)
+o Appraiser
+o Supervisory Appraiser
+
+• Subject Property
+
+o Special tax assessment
+o Mineral rights not included
+
+• Site
+
+o Noncontiguous parcels separated by road
+o No zoning
+o Non-residential property use (agricultural)
+o Apparent environmental condition (landfill)
+o Property restriction (land use) due to overhead electric power transmission lines
+o Private waterfront access with a permanent waterfront feature (dock)
+o Utilities include private water and sewer
diff --git a/chunks/txt/383fa0e7978b89a2a8ae9c7295ad08ba201d7af55a94e4e557019a5f4b3cb971.txt b/chunks/txt/383fa0e7978b89a2a8ae9c7295ad08ba201d7af55a94e4e557019a5f4b3cb971.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f944cb935697847e4196a00d5fbc21de3dce36c9
--- /dev/null
+++ b/chunks/txt/383fa0e7978b89a2a8ae9c7295ad08ba201d7af55a94e4e557019a5f4b3cb971.txt
@@ -0,0 +1,20 @@
+Uniform Residential Appraisal Report
+
+Page 24 of 26
+Page 24 of 26
+
+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/38513aa9db391d6347fd2359ead0fbb3fda13c481a2513029e09241ffa7c52aa.txt b/chunks/txt/38513aa9db391d6347fd2359ead0fbb3fda13c481a2513029e09241ffa7c52aa.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ad9401bb6bdf9570f554af5cf18685b56268a125
--- /dev/null
+++ b/chunks/txt/38513aa9db391d6347fd2359ead0fbb3fda13c481a2513029e09241ffa7c52aa.txt
@@ -0,0 +1,65 @@
+18. 2 – 18. 5 ESCROW SECTI ON
+
+The May 2, 2018 amendment to the Regulation (83 FR 19159) requires that MI premiums be included in the
+calculations for 18.2, 18.3, and 18.5. These fields reconcile to 5.0 Projected Payment table entries as follows:
+
+18.2 Escrowed Property Costs over Year 1 = (5.3.1 Mortgage Insurance + 5.4.1 Estimated Escrow, Years 1 –
+
+n) * 12 = (82.35 + 206.13) * 12 = $3,461.76.
+
+18.3 Non-Escrowed Property Costs over Year 1 = [(5.6.1 Estimated Taxes, Insurance and Assessments less
+
+18.2 Estimated Escrow) * 12] = (356.13 – 206.13) * 12 = $1,800.
+
+18.4 Initial Escrow Payment = 8.10.1 G. Initial Escrow Payment at Closing. The amendment does not affect
+
+this calculation, as illustrated by Figure 112.
+
+18.5 Monthly Escrow Payment = 5.3.1 Mortgage Insurance + 5.4.1 Estimated Escrow = (82.35 + 206.13 =
+
+$288.48)
+
+5.0 Projected Payments
+
+5.1 Payment Calculation
+
+5.1.1 Years 1 – 5
+
+5.1.2 Years 6 – 8
+
+5.1.3 Years 9 – 11
+
+5.1.4 Ye ars 12 - 30
+
+5.3 Mortgage Insurance
+
+5.4 Estimated Escrow
+Amount can increase over time
+
+5.6 Estimated Taxes, Insurance
+& Assessments
+Amount can increase over time
+See page 4 for details
+
+5.3.1 +
+
+82.35 5.3.2 +
+
+--- 5.3.3 +
+
+--- 5.3.4 +
+
+---
+
+5.4.1 +
+
+206.13 5.4.2 +
+
+206.13 5.4.3 +
+
+206.13 5.4.4 +
+
+206.13
+
+5.6.1 $356.13
+5.6.2 a month
diff --git a/chunks/txt/385ae817d770cad420b8b6ace53d449b984d574bf40a89929a617ce5088a99b6.txt b/chunks/txt/385ae817d770cad420b8b6ace53d449b984d574bf40a89929a617ce5088a99b6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..52a9409ba29e3f973fc7264d5c8d6f4facecaae5
--- /dev/null
+++ b/chunks/txt/385ae817d770cad420b8b6ace53d449b984d574bf40a89929a617ce5088a99b6.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
+
+# FHFA Data
+
+FHFA is committed to increasing transparency in the housing finance markets. We actively promote the dissemination of data and information that will improve the public’s understanding of housing finance markets and thereby the efficiency of the market. FHFA publishes an Indicator of single-family house price trends at various geographic levels called the House Price Index (HPI) and a variety of other housing finance-related data sets, reports, and tools.
diff --git a/chunks/txt/386613ee7b3b200ba62bfde57fc0f59eae3f6ef3e22509fd44b6feb4073ae111.txt b/chunks/txt/386613ee7b3b200ba62bfde57fc0f59eae3f6ef3e22509fd44b6feb4073ae111.txt
new file mode 100644
index 0000000000000000000000000000000000000000..45c9dcbdd31107a4138a4a9014280f256dc543c4
--- /dev/null
+++ b/chunks/txt/386613ee7b3b200ba62bfde57fc0f59eae3f6ef3e22509fd44b6feb4073ae111.txt
@@ -0,0 +1,241 @@
+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 LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+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
+
+3214 Somewhere Pl
+Anywhere, MD 20854
+
+Deck | Deck
+
+Deck | Deck
diff --git a/chunks/txt/3868510850d57adf95d6269f2b1897c1ddc37fa57771bbbea79e9f2708e5ae47.txt b/chunks/txt/3868510850d57adf95d6269f2b1897c1ddc37fa57771bbbea79e9f2708e5ae47.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6302e234c7bdd34b902eac608acdd88467e17003
--- /dev/null
+++ b/chunks/txt/3868510850d57adf95d6269f2b1897c1ddc37fa57771bbbea79e9f2708e5ae47.txt
@@ -0,0 +1,37 @@
+•
+
+include consumer finance paper which combines the note and security instrument in a single document or a retail
+installment sales contract.
+
+The Security Instrument
+
+The security instrument must:
+
+•
+
+state that the manufactured home is an improvement to the land and an immovable fixture, or include similar
+language as may be required by applicable law to assure, to the greatest extent possible, that the manufactured
+home will be treated as real property under applicable state law. If applicable law provides specific obligatory
+wording, such wording must be used; and
+
+•
+
+include a comprehensive description of the manufactured home and the land in the property description section.
+
+The description must include the serial or VIN number (or the serial number or VIN for each unit if the home is multi-section),
+make, model, size, and any other information that may be required by applicable law to definitively identify the home.
+
+Note: The serial number is located on the HUD Data Plate located on the interior of the home, usually near the electrical box.
+In addition, the serial number is generally cold-stamped on the frame front cross member of each transportable section.
+
+Some jurisdictions may not allow any information in the property description section of the security instrument other than
+what is customary for other real property transactions. If this is the case, then an addendum may be used, which must be
+attached to the security instrument and included in the loan file.
+
+Affidavit of Affixture
+
+The borrower(s) must sign an Affidavit of Affixture (which must be in the form prescribed by applicable law, if any) that
+acknowledges their intent for the manufactured home to be permanently part of the real property that secures the mortgage
+free of any personal property security interest. If the manufactured home was previously converted from personal property to
+real property in accordance with applicable law, the Affidavit is not required by Fannie Mae unless applicable law requires a
+new Affidavit. Where applicable law does not require an Affidavit to be recorded, it is preferable that an Affidavit be recorded.
diff --git a/chunks/txt/386e4c8ea5b72ed265fd24cccf8ab828d9f6f2359a52ca76af0fef51b2ebafea.txt b/chunks/txt/386e4c8ea5b72ed265fd24cccf8ab828d9f6f2359a52ca76af0fef51b2ebafea.txt
new file mode 100644
index 0000000000000000000000000000000000000000..339a953f5fbbe0aa5cc545052c0895d0322e5816
--- /dev/null
+++ b/chunks/txt/386e4c8ea5b72ed265fd24cccf8ab828d9f6f2359a52ca76af0fef51b2ebafea.txt
@@ -0,0 +1,55 @@
+A person admitted to practice law in at least one jurisdiction and authorized to perform criminal and civil legal functions on
+behalf of clients.
+Note: Select this answer when an attorney has ordered the Completion Report (is the client).
+
+Select one contact to be the client.
+For FHA, VA, and USDA, reference the appropriate government agency appraisal guidelines.
+
+The party who engages an appraiser by employment or contract in a specific assignment whether directly or through an
+agent.
+Notes:
+•
+•
+Examples:
+•
+•
+•
+
+The lender is the client.
+The AMC is the client for jurisdictions in which the AMC is required to be noted as the client in the report.
+Another entity, such as Attorney or Investor, is the client.
+
+The entity that purchases or holds the loan on the property.
+Note: Select this answer when the investor has ordered the Completion Report (is the client), such as for REO.
+
+The entity that funds the mortgage loan for the property.
+Notes:
+•
+•
+
+Always select this answer when there is a lender on the transaction.
+For FHA, USDA, and VA, reference the appropriate government agency appraisal guidelines.
+
+Select Other to enter an answer that is not in the above list.
+Note: Only select this answer when the client does not match any of the available selections. The Client Role can be
+associated to a selection of Other.
+
+Company Name and Address
+
+Assignment Information: Contact Information - Lender, Client, and AMC – Company Name and Address
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+08.008 Company Name Always required for
+
+Free-form
+
+Definition / Additional Guidance
diff --git a/chunks/txt/386edb66c09a3a2056eaaed201ecca1626a40f58746dbe9802b221b3ff3bfb11.txt b/chunks/txt/386edb66c09a3a2056eaaed201ecca1626a40f58746dbe9802b221b3ff3bfb11.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9af84e2566d1b99ad183385d5239ed147a4251de
--- /dev/null
+++ b/chunks/txt/386edb66c09a3a2056eaaed201ecca1626a40f58746dbe9802b221b3ff3bfb11.txt
@@ -0,0 +1,33 @@
+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 70 March 2005 226
+
+Page 4 of 6
+
+Fannie Mae Form 1004 March 2005
+
+2 Uniform Residential 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 performed a complete visual inspection of the interior and exterior areas of the subject property. I reported the condition
+of the improvements in factual, specific terms. I 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.
diff --git a/chunks/txt/3873f71c3cf0bc876bd22dd0d3bc3f955bc966b20b12588175c783d7d655c528.txt b/chunks/txt/3873f71c3cf0bc876bd22dd0d3bc3f955bc966b20b12588175c783d7d655c528.txt
new file mode 100644
index 0000000000000000000000000000000000000000..10323d6db12321b813570aac5f21cbfedb10a2ed
--- /dev/null
+++ b/chunks/txt/3873f71c3cf0bc876bd22dd0d3bc3f955bc966b20b12588175c783d7d655c528.txt
@@ -0,0 +1,102 @@
+Number of square
+feet
+
+Noncontinuous Finished Area: The finished area of the noncontinuous space(s)
+in the dwelling. If there are multiple noncontinuous areas in the dwelling,
+report the total finished area.
+
+8.048
+
+Finish (Finished)
+Room Summary
+
+Required for each
+indicated Room Type
+
+Number
+
+Number of Rooms: The count of each Room Type that is in the noncontinuous
+area(s) of the dwelling. If there are multiple noncontinuous areas in the
+dwelling, report all rooms here.
+
+8.048
+
+Finish (Finished)
+Room Summary
+
+Required if
+Noncontiguous
+Finished Area Exists is
+Yes
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+Room Type: The original design of the room(s) that are in the noncontinuous
+space(s) in the dwelling.
+•
+Bath – Full
+•
+Bath – Half
+•
+Bedroom
+•
+Breakfast Room
+•
+Den
+•
+Dining Room
+•
+Family Room
+•
+Kitchen
+•
+Laundry Room
+•
+Living Room
+•
+Loft
+• Media Room
+• Mudroom
+•
+•
+•
+• Walk-In Pantry
+• Workshop
+•
+
+Recreation Room
+Sunroom
+Utility Room
+
+Other (Describe)
+
+Note: Select the most applicable Room Type that fits the description of the
+room. Examples:
+•
+•
+
+Select Dining Room for dining areas.
+Select Breakfast Room for breakfast areas or breakfast nooks.
+
+See
+iGuide
+
+Noncontinuous
+Finished Area
+
+Photo or image
+
+If relevant when
+Noncontinuous
+Finished Area Exists is
+Yes
+
+Photo(s) of the noncontinuous finished area may be provided, which display in
+Dwelling Exterior Exhibits, with the caption “Noncontinuous Area”. An
+additional caption must be provided including the room type, location, and any
+other descriptive information as appropriate.
diff --git a/chunks/txt/3884b849d9d837268f0f9faf36957d32fe694e043e3cb92c50a23c5fa0482565.txt b/chunks/txt/3884b849d9d837268f0f9faf36957d32fe694e043e3cb92c50a23c5fa0482565.txt
new file mode 100644
index 0000000000000000000000000000000000000000..19b0ca9dee0568b0f25453a9d1ead5cf4c51af80
--- /dev/null
+++ b/chunks/txt/3884b849d9d837268f0f9faf36957d32fe694e043e3cb92c50a23c5fa0482565.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/about/foia-privacy"
+date_accessed: "2026-01-27T17:47:56.074Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/38894d239039799962b3dabb57f047e249b945b590ba458b15360b3c658bc561.txt b/chunks/txt/38894d239039799962b3dabb57f047e249b945b590ba458b15360b3c658bc561.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a4a219c85e95420c528eb51abd9dbafbf7a95fc7
--- /dev/null
+++ b/chunks/txt/38894d239039799962b3dabb57f047e249b945b590ba458b15360b3c658bc561.txt
@@ -0,0 +1,63 @@
+Whereas, FHFA has determined that
+
+certain technical revisions to the data
+elements in the single-family and
+multifamily matrices of the PUDB
+should also be made to conform the data
+fields to long-standing PUDB data
+reporting practice, to provide greater
+clarity, or to conform to the new
+statutory requirements;
+
+Whereas, the Enterprises were
+
+provided with an opportunity to review
+and comment on proposed revisions to
+the data fields in the single-family and
+multifamily matrices of the PUDB, and
+FHFA has taken the Enterprises’
+comments into consideration in
+adopting this Order;
+
+Whereas, FHFA requested that the
+Enterprises provide it with specific new
+mortgage data for inclusion in the PUDB
+in accordance with the requirements of
+HERA, and the Enterprises provided the
+specific data that they currently collect;
+Now, therefore, it is hereby ordered as
+
+follows:
+
+1. The data fields in the single-family
+
+and multifamily matrices of the PUDB
+are revised as set forth in the attached
+Appendix which is incorporated herein
+by reference;
+
+2. The Enterprises shall provide
+
+FHFA with the mortgage data required
+to populate the data fields described in
+the single-family and multifamily
+matrices in the Appendix; and
+
+3. This Order supersedes the HUD
+Final Order of October 4, 2004 (69 FR
+59476) 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 1st day of
+
+July 2010.
+Wanda DeLeo,
+Acting Deputy Director for Housing Mission
+and Goals By delegation.
+Dated: July 8, 2010.
+
+Edward J. DeMarco,
+Acting Director, Federal Housing Finance
+Agency.
diff --git a/chunks/txt/388c5e4203879f1dd13085b106905a7ef7d4f78f32a7031e88b27ea5fed94d03.txt b/chunks/txt/388c5e4203879f1dd13085b106905a7ef7d4f78f32a7031e88b27ea5fed94d03.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ec06c9b69b7ed619c6b4376908a78ac1c12d2afb
--- /dev/null
+++ b/chunks/txt/388c5e4203879f1dd13085b106905a7ef7d4f78f32a7031e88b27ea5fed94d03.txt
@@ -0,0 +1,96 @@
+Subject Loan / At
+Conversion
+
+Data about the Original
+Loan:
+ Underwriting Data
+ Product Derivation
+ Product Features
+ Conversion Rules
+ Note Terms
+
+Data about the Converted
+Loan:
+ Product Derivation
+ Note Terms
+
+ConvertibleIndicator =
+“true” and LoanStateDate
+= NoteDate
+
+LoanStateDate =
+LatestConversionEffective
+Date
+
+Subject Loan / Current
+ Data valid at the time of
+
+delivery:
+
+ Current Balances,
+
+Rates, Option Status,
+Payment Status
+
+ MI and Credit
+
+Enhancements
+ Escrow Details
+ GSE Transaction
+
+Details
+
+ Program Identifiers, IFIs
+
+ConvertibleStatusType =
+“Exercised” and
+LoanStateDate = Date
+data retrieved from
+submitter’s system
+
+e. Reset Balloon Loans. Note: This implementation of Loan State is For Future
+
+Use.
+If the loan being delivered was originated as a balloon and the balloon reset option
+has been exercised, the BalloonResetIndicator must have a value of “true.” The
+business partner must deliver a LOAN container with a LoanStateType of
+“AtReset” and LoanStateDate equal to the BalloonResetDate to convey the data
+points about the reset note terms and characteristics.
+
+Figure IV-12. LOAN Containers Required for Reset Balloon Loans.
+
+Subject Loan / At
+Closing
+
+Data about the original
+loan:
+ Underwriting Data
+ Product Derivation
+ Product Features
+ Note Terms
+
+Subject Loan / At Reset
+
+ Data about the reset
+
+loan:
+
+ Product Derivation
+ Note Terms
+
+BalloonIndicator = “true”
+LoanStateDate =
+NoteDate
+
+LoanStateDate =
+BalloonResetDate
+
+Subject Loan / Current
+Data valid at the time of
+delivery:
+ Current Balances,
+
+Rates, Option Status,
+Payment Status
+
+ MI and Credit
diff --git a/chunks/txt/38976e1a417fe309dfce2233dcda37a4a9f25c0d4b0d839d63d9d5acce17e751.txt b/chunks/txt/38976e1a417fe309dfce2233dcda37a4a9f25c0d4b0d839d63d9d5acce17e751.txt
new file mode 100644
index 0000000000000000000000000000000000000000..872dd8b292f5513ea7aaad29a140b5a1da6dea61
--- /dev/null
+++ b/chunks/txt/38976e1a417fe309dfce2233dcda37a4a9f25c0d4b0d839d63d9d5acce17e751.txt
@@ -0,0 +1,99 @@
+• 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
+
+• 1004/70
+
+REQUIREMENT
+
+• 1004 Hybrid/70H
+
+• 1004 Desktop/70D
+
+• 2055/2055
+
+• 1073/465
+
+• 1073 Hybrid/465H
+
+• 1073 Desktop/465D
+
+• 1075/466
+
+Appraisal Assignment Type
+
+• 1004 Hybrid/70H
+
+REQUIREMENT
+
+• 1004 Desktop/70D
+
+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.
+
+Additional
+Comments
+Section
+
+Page 58 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.
+
+Subject Property Data Collection Date
+The appraiser must enter the date property
+data was collected from the subject property.
+
+• 1004 Hybrid/70H
+
+• 1004 Desktop/70D
+
+REQUIREMENT
+
+For DesktopAppraisal/PriorURAR the date is
+from prior appraisal (inspection date which =
+Effective Date)
+For DesktopAppraisal/PriorHybrid the date is
+from PDR used in prior hybrid (inspection
+date = date of PDR)
+
+Reporting Format:
+Date of Property Data Collection – yyyy-mm-dd
+Subject Property Data Collection Date is not
+applicable for ‘DesktopAppraisal/Other’
+
+Subject Property Data Collection Method
diff --git a/chunks/txt/38af8e72b876d5d6b4f7e4fa9dfc2d598bc9fe3b003c94b1bfae462aab8a31af.txt b/chunks/txt/38af8e72b876d5d6b4f7e4fa9dfc2d598bc9fe3b003c94b1bfae462aab8a31af.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5abbdcda01eb61396a3c1817363d65ac6e2f76e5
--- /dev/null
+++ b/chunks/txt/38af8e72b876d5d6b4f7e4fa9dfc2d598bc9fe3b003c94b1bfae462aab8a31af.txt
@@ -0,0 +1,53 @@
+November 7
+
+UCD Critical Edits -
+Phase 3
+Implementation
+
+On Nov. 7, 2022, the GSEs implemented UCD Phase 3 edits as warning-to-fatal severity. Lenders should review all feedback
+messages returned by the UCD Collection Solution and resolve any issues, particularly for any Phase 3 edits showing a
+severity of warning-to-fatal. Lenders can review all UCD edits via the Fannie Mae Connect™ UCD report.
+
+See the new Phase 3 Edits tab in the UCD Feedback Messages document for a list of the UCD Phase 3 edits. Please reference
+
+© 2022 Fannie Mae
+
+December 2022
+
+Effective
+Date
+
+Impacted Area
+
+October 21
+
+(evening)
+
+UCD Critical Edits -
+Phase 3
+Implementation
+
+Description
+
+the UCD Critical Edits Transition Resources page for additional resources.
+NOTE: Phase 3 Edits 3574, 3656 and 3657 will be implemented as warning-to-fatal severity by November 21.
+
+The UCD Test Environment will be updated with Phase 3 edits that will have a fatal severity to mirror the May 2023 Phase 3
+implementation.
+
+Review the new Phase 3 Edits tab in the UCD Edit Feedback Messages for a listing the Phase 3 edits.
+
+NOTE: Phase 3 Edits 3574, 3656 and 3657 will be implemented as fatal severity and edits 3570 and 3571 will be removed in
+the UCD Test Environment by November 21.
+
+September
+26
+
+UCD Critical Edits -
+Phase 2
+Implementation
+
+To further refine UCD Phase 2 data quality, the following warning-to-fatal severity edit will transition to fatal severity:
+
+Edit 3425: When Loan Purpose Type is equal to Purchase, the Closing Adjustment Item Type of SellerCredit in the Closing
+Adjustment Item Detail container is required.
diff --git a/chunks/txt/38b0dfe59c0a40279f3aef0c91de22318d3e18d6dc372b704386a887bdb9d01e.txt b/chunks/txt/38b0dfe59c0a40279f3aef0c91de22318d3e18d6dc372b704386a887bdb9d01e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..50ed6473d17bd17381af6a1b0629610a6320e30b
--- /dev/null
+++ b/chunks/txt/38b0dfe59c0a40279f3aef0c91de22318d3e18d6dc372b704386a887bdb9d01e.txt
@@ -0,0 +1,35 @@
+Significant Derogatory Credit Event Treatment
+
+Per the requirements of B3-5.3-07, Significant Derogatory Credit Events — Waiting Periods and Re-establishing Credit, an amount
+of time must elapse after a significant derogatory credit event before the borrower is eligible for a new loan salable to Fannie
+Mae. When it does not appear that a borrower has met the waiting period requirements for a foreclosure or bankruptcy DU V. 12.0
+will now issue an Ineligible recommendation (i.e., Approve/Ineligible) instead of a Refer with Caution recommendation.
+
+The same change will be made on loan casefiles for a borrower whose credit report contains a mortgage tradeline that is 60 or
+more days past due when the account was last reported.
+
+Note: No changes are being made to the waiting periods required for the significant derogatory credit events specified in the
+Selling Guide section referenced above.
+
+Loans for Borrowers without Credit Scores
+
+No Borrower Has a Credit Score
+
+Currently only certain transactions are permitted (e.g., principal residence, fixed-rate mortgage) when no borrower on the loan
+application has a credit score. With the release of DU V. 12.0 we are expanding the types of loans eligible for these borrowers.
+
+DU will apply the following guidelines on loan casefiles where no borrower has a credit score:
+
+Borrower credit profile
+
+▪ No borrower has a credit score
+
+▪ At least one borrower has a minimum of one
+credit account or installment account
+reported on their credit report
+
+▪ No borrower has a credit score.
+
+▪ No borrower has at least one credit account
+or installment account reported on their
+credit report.
diff --git a/chunks/txt/38bdc8168b28a8f5aed746099b544533a27cccc5922b02957ef48d9a64000a02.txt b/chunks/txt/38bdc8168b28a8f5aed746099b544533a27cccc5922b02957ef48d9a64000a02.txt
new file mode 100644
index 0000000000000000000000000000000000000000..102bed04303024c900ca77e285e3e6342848d439
--- /dev/null
+++ b/chunks/txt/38bdc8168b28a8f5aed746099b544533a27cccc5922b02957ef48d9a64000a02.txt
@@ -0,0 +1,5 @@
+Appraiser Certifications ............................................................................................................................................................................................. 41
+
+Supervisory Appraiser Certifications.......................................................................................................................................................................... 44
+
+Signature .............................................................................................................................................................................................................................. 46
diff --git a/chunks/txt/38c2d0fcb2fcdf73919bb5f94fabf985be7fda7a2884a058f27344e9436db06f.txt b/chunks/txt/38c2d0fcb2fcdf73919bb5f94fabf985be7fda7a2884a058f27344e9436db06f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..21686094490e33e3d53cd0e8ebeb3545da21c760
--- /dev/null
+++ b/chunks/txt/38c2d0fcb2fcdf73919bb5f94fabf985be7fda7a2884a058f27344e9436db06f.txt
@@ -0,0 +1,130 @@
+45
+
+CONTRACT
+
+Date of Contract
+
+Sales Contract Date
+
+The effective date of the sales
+contract (e.g. the date of sale).
+
+/VALUATION_RESPONSE/PROPERTY/SAL
+ES_CONTRACT/@_Date
+
+10
+
+Date/Time
+
+Data Format:
+yyyy-mm-dd
+
+46
+
+47
+
+48
+
+CONTRACT
+
+CONTRACT
+
+Is the property seller the
+owner of public record?
+Yes
+Is the property seller the
+owner of public record?
+No
+
+Seller Is Owner
+Indicator
+
+Indicates that the seller is the owner
+of the property.
+
+/VALUATION_RESPONSE/PROPERTY/SAL
+ES_CONTRACT[@SellerIsOwnerIndicator='Y']
+
+Seller Is Owner
+Indicator
+
+Indicates that the seller is the owner
+of the property.
+
+/VALUATION_RESPONSE/PROPERTY/SAL
+ES_CONTRACT[@SellerIsOwnerIndicator='N']
+
+CONTRACT
+
+Contract
+Data Source(s)
+
+Data Source
+Description
+
+A free-form text field used to describe
+the source of information.
+
+/VALUATION_RESPONSE/PROPERTY/SAL
+ES_CONTRACT/@DataSourceDescription
+
+49
+
+CONTRACT
+
+53
+
+1
+
+50
+
+CONTRACT
+
+54
+
+1
+
+51a
+
+CONTRACT
+
+Is there any financial
+assistance (loan charges,
+sale concessions, gift or
+down payment
+assistance, etc.) to be
+paid by any party on
+behalf of the borrower?
+Yes
+
+Is there any financial
+assistance (loan charges,
+sale concessions, gift or
+down payment
+assistance, etc.) to be
+paid by any party on
+behalf of the borrower?
+No
+
+If Yes, report the total
+dollar amount and
+describe the items to be
+paid.
+
+Sales Concession
+Indicator
+
+Indicates that someone made
+concessions for the current sales
+contract.
+
+/VALUATION_RESPONSE/PROPERTY/SAL
+ES_CONTRACT[@SalesConcessionIndicator='
+Y']
+
+Sales Concession
+Indicator
+
+Indicates that someone made
+concessions for the current sales
+contract.
diff --git a/chunks/txt/38c95df16a0751b40d08c928660b5aba356c3c921e9d390604b3eeb949d5d497.txt b/chunks/txt/38c95df16a0751b40d08c928660b5aba356c3c921e9d390604b3eeb949d5d497.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d5de5c372e00deb4bb3a51acd24645482d6b0319
--- /dev/null
+++ b/chunks/txt/38c95df16a0751b40d08c928660b5aba356c3c921e9d390604b3eeb949d5d497.txt
@@ -0,0 +1,71 @@
+• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 25.058.2).
+
+Cost 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.
+
+• 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.
+
+There are three arcrole relationships supported in the Cost Approach section.
+
+IMPROVEMENT_COST_AND_DEPRECIATED_VALUE to IMPROVEMENT
+
+•
+• DATA_SOURCE to PROPERTY
+• DATA_SOURCE to COST_APPROACH
+
+IMPROVEMENT_COST_AND_DEPRECIATED_VALUE to IMPROVEMENT
+
+When the subject property has an improvement included in the cost approach, the IMPROVEMENT_COST_AND_DEPRECIATED_VALUE
+container should be linked to the subject instance of the IMPROVEMENT container to which the replacement/reproduction costs apply.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Unique ID
+
+Parent Container
+
+MISMO Attribute
+Name
+
+Supported Attribute Enumerations
+
+1400.0255
+
+RELATIONSHIP
+
+@xlink:arcrole
+
+urn:fdc:mismo.org:2009:residential/IMPROVEMENT_COST_AND_DEPRECIATED_VALUE_IsAssociatedWith
+_IMPROVEMENT
+
+1400.0256
+
+RELATIONSHIP
+
+@xlink:from
+
+IMPROVEMENT_COST_AND_DEPRECIATED_VALUE_n
+
+1400.0257
+
+RELATIONSHIP
+
+@xlink:to
+
+IMPROVEMENT_n
+
+0300.0003
+
+IMPROVEMENT
+
+@xlink:label
+
+IMPROVEMENT_n
+
+1100.0037
+
+IMPROVEMENT_COST_AND_
+DEPRECIATED_VALUE
diff --git a/chunks/txt/38cd51e45336d082e2437a738648d1ae51de5918458a2d64b204516e404a617c.txt b/chunks/txt/38cd51e45336d082e2437a738648d1ae51de5918458a2d64b204516e404a617c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..38d177ac498ae6d3fd7a6ee50475c87a1388c306
--- /dev/null
+++ b/chunks/txt/38cd51e45336d082e2437a738648d1ae51de5918458a2d64b204516e404a617c.txt
@@ -0,0 +1,59 @@
+Report
+Field ID
+
+See
+iGuide
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Subject Property Amenities Exhibits
+
+If applicable
+
+Photos or images
+
+Subject Property
+Amenities
+Exhibits
+
+Photos or images relevant to the Subject Property Amenities section may be
+provided, which display in Subject Property Amenities Exhibits. If the photo or
+image is not specifically indicated, provide a caption to further identify the
+photo or image.
+
+Appendix F-1: URAR Reference Guide
+
+Page 171 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+15 Overall Quality and Condition
+
+15 Overall Quality and Condition
+
+The Overall Quality and Condition section provides information about quality and condition for all dwellings and
+living units. Exterior and Interior Quality and Condition (as applicable) are redisplayed here to provide context to
+the Reconciliation of Overall Quality and Condition. Reference Appendix 2: Condition and Quality Rating
+Definitions and published guidelines by the GSEs, government agencies, or other identified secondary market
+participants for specific guidance.
+
+Overall Quality and Condition
+
+Overall Quality and Condition reflects the “as is” value or any “subject to” items being completed, as reflected in
+the Market Value Condition of the report (26.009).
+• For an "as is" appraisal, the overall condition reflects the current condition.
+• For a "subject to" appraisal, the overall condition rating reflects the condition as if all “subject to” items
+
+have been completed.
+
+For properties with more than one unit, Overall Quality and Condition represents the reconciliation of all
+dwellings and living units.
diff --git a/chunks/txt/38d0529af6cd64ddea42a35e4c6b8f529fed52d5840a222a981e19e5fdaeaca0.txt b/chunks/txt/38d0529af6cd64ddea42a35e4c6b8f529fed52d5840a222a981e19e5fdaeaca0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cb12f02ebcff488cb4b92da62b0ee454b0478e57
--- /dev/null
+++ b/chunks/txt/38d0529af6cd64ddea42a35e4c6b8f529fed52d5840a222a981e19e5fdaeaca0.txt
@@ -0,0 +1,91 @@
+b. Single-Family and Multifamily Data
+Field 4: MSA Code
+
+This data field designates the
+
+Metropolitan Statistical Area (MSA)
+Code for the location of the property
+securing the Enterprise mortgage loan.
+Consistent with long-standing PUDB
+data reporting practice, FHFA has
+revised this data field in the single-
+family and multifamily Census Tract
+Files to include a value ‘‘99999’’ for
+properties located outside of an MSA
+(e.g., rural locations or micropolitan
+statistical areas). In addition, consistent
+with long-standing PUDB data reporting
+practice, FHFA has added in the matrix
+
+VerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00048 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
+
+41187
+
+for the Census Tract File a value entitled
+‘‘Other’’ for properties located in a
+specific MSA, which would be
+applicable to any 5-digit number other
+than 00000 (for missing property
+location) or 99999.
+
+c. Single-Family and Multifamily Data
+Field 6: County—2000 Census
+
+This data field designates the county
+
+location of the property securing the
+Enterprise mortgage loan. FHFA has
+renamed the data field from ‘‘County—
+1990 Census’’ to ‘‘County—2000
+Census,’’ as the Enterprises have
+reported 2000 Census geography since
+2003. The reference in this and other
+data fields to the 2000 Census will be
+updated to refer to the 2010 Census
+when applicable to a future PUDB.
+
+d. Single-Family and Multifamily Data
+Field 7: Census Tract—2000 Census
diff --git a/chunks/txt/38d8e148782acf73fe295bd86e92b323a722ef1ebcc43a1b3450353f79dcd0b9.txt b/chunks/txt/38d8e148782acf73fe295bd86e92b323a722ef1ebcc43a1b3450353f79dcd0b9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..609c5b53e0bfdff882b0ada74ca4a0b7df91cca8
--- /dev/null
+++ b/chunks/txt/38d8e148782acf73fe295bd86e92b323a722ef1ebcc43a1b3450353f79dcd0b9.txt
@@ -0,0 +1,103 @@
+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.
+
+Typical Wear and Tear
+
+Overall Update Status for
+Flooring
+
+Not Updated
+
+Accessibility Features for Individuals with Disabilities
+
+Feature
+Shower
+
+Comment
+The shower has been modified.
+
+Appraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 8 of 21
+Page 8 of 21
+
+Unit Interior (continued)
+
+Apparent Defects, Damages, Deficiencies (Unit Interior)
+
+The items listed below represent the As Is condition as of the effective date of this report
+
+Feature
+Flooring
+
+Location
+Dining Room
+
+Description
+Carpet is stained in one corner of the Dining
+Room.
+
+Affects Soundness or
+Structural Integrity
+No
+
+Recommended
+Action
+None
+
+Unit Interior Commentary
+
+The below grade area has a custom finished wet bar including wood cabinets and countertops. Media room has custom cabinetry for speakers
+and media devices.
+
+Unit Interior Exhibits
+
+Level B1 - Bath - Half
+
+Level B1 - Media Room
+
+This is where the Half Bathroom photo would display.
diff --git a/chunks/txt/38e1c1d932270409dc0743ff0d16a09d5711d50d1dfc8a2a56b219bbbde23bbf.txt b/chunks/txt/38e1c1d932270409dc0743ff0d16a09d5711d50d1dfc8a2a56b219bbbde23bbf.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4387c0cf4a5928e7599e930b7fb9418ea7c882cc
--- /dev/null
+++ b/chunks/txt/38e1c1d932270409dc0743ff0d16a09d5711d50d1dfc8a2a56b219bbbde23bbf.txt
@@ -0,0 +1,57 @@
+09.022
+
+2. I performed this assignment without bias with respect to the parties involved in this transaction, the subject property, or the demographics
+of the area where the property is located.
+
+09.033
+
+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.
+
+09.034
+
+4. I accept full responsibility for this certification of completion.
+
+Completion 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
+
+Completion Report
+
+HF.001
+
+Page [Page] of [Pages]
+
+09.035
+
+09.036
+
+5. The assignment information regarding the scope of inspection by the Supervisory Appraiser is correct.
+
+6. 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.
+
+09.023
+
+Additional Supervisory Appraiser Certifications
+
+Additional Supervisory Appraiser Certifications cannot be contrary to the original Supervisory Appraiser Certifications.
+1.
diff --git a/chunks/txt/38e24ac287e2f1c91b81508a5be7d0ca034a202ea8ba8440f7f519cea539474e.txt b/chunks/txt/38e24ac287e2f1c91b81508a5be7d0ca034a202ea8ba8440f7f519cea539474e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a4de41e617cbc73f34158a8be758b118d548e3bf
--- /dev/null
+++ b/chunks/txt/38e24ac287e2f1c91b81508a5be7d0ca034a202ea8ba8440f7f519cea539474e.txt
@@ -0,0 +1,5 @@
+Definition of xLink and MISMO Implementation ....................................................................................................................................................................... 29
+
+Business Requirements Met by Using xLink in the UAD Delivery File ........................................................................................................................................ 30
+
+Key Concepts ......................................................................................................................................................................................................................................... 32
diff --git a/chunks/txt/38eff5a074f8004b012bdfb3437163f89db01cdbb656c749135dba5eaccc6831.txt b/chunks/txt/38eff5a074f8004b012bdfb3437163f89db01cdbb656c749135dba5eaccc6831.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5ce90685b34f99a5675b3ca593085319b1bfe613
--- /dev/null
+++ b/chunks/txt/38eff5a074f8004b012bdfb3437163f89db01cdbb656c749135dba5eaccc6831.txt
@@ -0,0 +1,115 @@
+Data Field
+Conditionality
+1073/465
+
+Data Field
+Conditionality 1073
+Hybrid/465H
+
+Data Field
+Conditionality 1073
+Desktop/465D
+
+Sort ID
+
+Form
+Page
+
+Form
+Reference
+Number
+
+Form Section
+
+Form Field Label
+
+Data Point Name
+
+Data Point Definition
+
+XPath
+
+387
+
+3
+
+e-25
+
+SALES
+COMPARISON
+APPROACH
+
+Data Source(s)
+
+GSE Data Source
+Description
+
+A data source used for information about
+the sale and characteristics of the
+comparable property.
+
+/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/@GSEDataSourceDescription
+
+Data Point Field
+Length
+
+Format
+
+27
+
+String
+
+388
+
+389
+
+3
+
+3
+
+e-2
+
+58
+
+SALES
+COMPARISON
+APPROACH
+
+Data Source(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='1..N']/COMPARISON
+_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@
+ExtensionSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM
+PARISON_DETAIL/@GSEDaysOnMarketDescription
+
+SALES
+COMPARISON
+APPROACH
+
+Verification Source(s)
+
+Data Source
+Verification
+Description
+
+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.
diff --git a/chunks/txt/391dad0222caac11b2893c6588e2a672efc17c1fe272a844bc72472e0f2d0654.txt b/chunks/txt/391dad0222caac11b2893c6588e2a672efc17c1fe272a844bc72472e0f2d0654.txt
new file mode 100644
index 0000000000000000000000000000000000000000..190fbf54c2a08dfabf69b21ac8d2ef3e6b5f6aff
--- /dev/null
+++ b/chunks/txt/391dad0222caac11b2893c6588e2a672efc17c1fe272a844bc72472e0f2d0654.txt
@@ -0,0 +1,64 @@
+Key Benefits
+
+� Detects validation errors earlier.
+
+� Can be used for testing of the UAD 3.6
+XML in lower environments and for
+data validation in production.
+
+� Faster speed to market of UAD 3.6.
+
+� Lowers implementation cost for the
+
+appraisal report vendors.
+
+� Fewer resubmissions, and a faster
+
+delivery process for lenders and agents.
+
+Uniform Appraisal Dataset
+(UAD) Compliance API
+
+What is the UAD Compliance API?
+
+The Uniform Appraisal Dataset (UAD) Compliance application
+
+programming interface (API) serves as a source of validation to
+
+ensure appraisal reports are UAD compliant. The API detects errors
+
+and gives appraisers control over the data quality by providing
+validation at data entry before submission to the Uniform Collateral
+
+Data Portal (UCDP).
+
+How it Works
+
+Through the API System-to-System (S2S) connection, you will
+
+submit the UAD 3.6 XML. The API performs the following validations:
+
+� XML is well-formed.
+
+� XML passes the UAD 3.6 schema validation.
+
+� Verifies required-ness, data type, and format.
+
+If errors are detected, the API returns feedback messages that can
+
+be corrected before submission to the UCDP.
+
+To view the rules and additional feedback messages to deliver
+
+the XML in compliance with UAD Delivery Specification, access
+Appendix H-1: UAD Compliance Rules.
+
+Getting Started
+
+Contact your Fannie Mae Strategic Alliance Manager for more
+
+information on the UAD Compliance API and guidance on how
+
+to get started.
+
+© 2024 Fannie Mae. Trademarks of Fannie Mae.
diff --git a/chunks/txt/392520cace37e8324a37c9241236121aa6a882da17f3891f21c7cebacae7a4e6.txt b/chunks/txt/392520cace37e8324a37c9241236121aa6a882da17f3891f21c7cebacae7a4e6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..12cc672a4151d14ee8955e2b5364c146ed6cee40
--- /dev/null
+++ b/chunks/txt/392520cace37e8324a37c9241236121aa6a882da17f3891f21c7cebacae7a4e6.txt
@@ -0,0 +1,26 @@
+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.
+
+Intended Use
+
+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.
+
+Intended User
+
+The intended user of this report is the lender/client.
+
+Definition of Market Value
+
+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/393a92f36875a14959b6cefddbfed96c40e3812d2d80bc53b2413cf5fa395ebb.txt b/chunks/txt/393a92f36875a14959b6cefddbfed96c40e3812d2d80bc53b2413cf5fa395ebb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dba4390adf9f6f5c3da1ec342ad2b69c3e6ae44b
--- /dev/null
+++ b/chunks/txt/393a92f36875a14959b6cefddbfed96c40e3812d2d80bc53b2413cf5fa395ebb.txt
@@ -0,0 +1,152 @@
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+This field indicates whether the actual age is estimated.
+
+1
+
+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.
+
+At least one but no more than two values are
+required.
+
+R
+
+R
+
+R
+
+This field is required if the value of field e-6
+(GSE View Type) is 'Other'.
+
+CR
+
+CR
+
+CR
+
+T
+
+R
+
+R
+
+T
+
+R
+
+R
+
+T
+
+R
+
+R
+
+Form FNM 1004 FRE 70
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 53 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
+
+264
+
+2
+
+26
+
+SALES
+COMPARISON
+APPROACH
+
+Actual Age
+
+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_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='0']/S
+ALE_PRICE_ADJUSTMENT[@_Type='Age']/
+@_Description
+
+265
+
+2
+
+27
+
+SALES
+COMPARISON
+APPROACH
+
+Condition
+
+GSE Overall
+Condition Type
+
+The overall condition rating of the
+property.
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='0']/C
+OMPARISON_DETAIL_EXTENSION/COMP
+ARISON_DETAIL_EXTENSION_SECTION[
+@ExtensionSectionOrganizationName='UNIFO
+RM APPRAISAL
+DATASET']/COMPARISON_DETAIL_EXTE
+NSION_SECTION_DATA/COMPARISON_D
+ETAIL/@GSEOverallConditionType
diff --git a/chunks/txt/393c966afae46a9875d3e6799ebf3fe1e3d02dd4c4ad5eeaf080d57017305e87.txt b/chunks/txt/393c966afae46a9875d3e6799ebf3fe1e3d02dd4c4ad5eeaf080d57017305e87.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cd562dc930d6218174e8e973b2b6b147f194aa30
--- /dev/null
+++ b/chunks/txt/393c966afae46a9875d3e6799ebf3fe1e3d02dd4c4ad5eeaf080d57017305e87.txt
@@ -0,0 +1,178 @@
+Page 136 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+8.0 Other Costs Table
+
+Table 99. Initial Escrow Payment at Closing Line Items
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute MISMO v3.3.0 Value
+
+Notes
+
+Third Instance of ESCROW_ITEM
+
+8.13.1 Property Taxes ($ per
+
+month for # mo.)
+
+…/ESCROW_ITEM/ES
+CROW_ITEM_DETAIL
+
+EscrowCollectedNum
+berOfMonthsCount
+
+2
+
+ROF as “for 2 mo.”
+
+8.13
+
+UID
+8.822
+
+8.13.1
+
+Property Taxes
+
+EscrowItemType
+
+CountyPropertyTax
+
+@gse:DisplayLabelTe
+xt
+
+Property Taxes
+
+ROF as “Property
+Taxes”
+
+Property Taxes ($ per
+month for # mo.)
+
+EscrowMonthlyPaym
+entAmount
+
+105.30
+
+ROF as “$105.30 per
+month”
+
+8.13 N/A - XML
+
+8.13.4 Seller-Paid At Closing
+
+($)
+
+8.13.4 Seller-Paid
+
+8.13.2 At Closing
+
+8.14.1 Condominium Dues
+
+($ per month for #
+mo.)
+
+8.14
+
+UID
+8.823
+
+8.14.1
+
+Condominium Dues
+
+Condominium Dues
+($ per month for #
+mo.)
+
+8.14 N/A - XML
+
+IntegratedDisclosure
+SectionType
+
+InitialEscrowPayment
+AtClosing
+
+Not Shown
+
+…/ESCROW_ITEM/ES
+CROW_ITEM_PAYME
+NTS/ESCROW_ITEM_
+PAYMENT
+
+EscrowItemActualPay
+mentAmount
+
+210.60
+
+EscrowItemPayment
+PaidByType
+
+Seller
+
+ROF as “$210.60”
+
+ROF as “Seller-Paid”
+
+EscrowItemPayment
+TimingType
+
+AtClosing
+
+Fourth Instance of ESCROW_ITEM
+
+…/ESCROW_ITEM/ES
+CROW_ITEM_DETAIL
+
+EscrowCollectedNum
+berOfMonthsCount
+
+4
+
+ROF as “for 4 mo.”
+
+EscrowItemType
+
+CondominiumAssocia
+tionDues
+
+@gse:DisplayLabelTe
+xt
+
+Condominium Dues
+
+ROF as
+“Condominium
+Dues”
+
+EscrowMonthlyPaym
+entAmount
+
+50.00
+
+IntegratedDisclosure
+SectionType
+
+InitialEscrowPayment
+AtClosing
+
+8.14.2 Borrower-Paid At
+Closing ($)
+
+8.14.2 Borrower-Paid
+
+…/ESCROW_ITEM/ES
+CROW_ITEM_PAYME
+NTS/ESCROW_ITEM_
+PAYMENT
diff --git a/chunks/txt/3957760761a34e131dde8953a8c49dc9f80ca2dfee95f94195f902ae2ccef562.txt b/chunks/txt/3957760761a34e131dde8953a8c49dc9f80ca2dfee95f94195f902ae2ccef562.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f0c40ffca482294c7d6214a5f4ea05df63ffef5e
--- /dev/null
+++ b/chunks/txt/3957760761a34e131dde8953a8c49dc9f80ca2dfee95f94195f902ae2ccef562.txt
@@ -0,0 +1,52 @@
+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:
+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
+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.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+PDF Display Format:
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+The appraisal report must indicate the finished square footage in whole numbers
+only, no commas. If 0% finished, a value of zero (0) must be entered.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+PDF Display Format:
+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:
+
+12
+
+Enumerated
+
+Allowable Values PDF Display
+WalkOut wo
+WalkUp wu
+InteriorOnly in
+
+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 number of finished recreation rooms in the basement.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
diff --git a/chunks/txt/39690d01357f945c93f890aa4e88172d7be657771e8a7ddfa58bc718f6d6a16b.txt b/chunks/txt/39690d01357f945c93f890aa4e88172d7be657771e8a7ddfa58bc718f6d6a16b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1734a030d037d0410d8cfe05aaa305b4c2b18718
--- /dev/null
+++ b/chunks/txt/39690d01357f945c93f890aa4e88172d7be657771e8a7ddfa58bc718f6d6a16b.txt
@@ -0,0 +1,73 @@
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/OTHER_FEATURE_ADJUSTMENT[@Prope
+rtyFeatureSequenceIdentifier='2']/@PropertyFeat
+ureDescription
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/OTHER_FEATURE_ADJUSTMENT[@Prope
+rtyFeatureSequenceIdentifier='2']/@PropertyFeat
+ureAdjustmentAmount
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/OTHER_FEATURE_ADJUSTMENT[@Prope
+rtyFeatureSequenceIdentifier='3']/@PropertyFeat
+ureDescription
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/OTHER_FEATURE_ADJUSTMENT[@Prope
+rtyFeatureSequenceIdentifier='3']/@PropertyFeat
+ureAdjustmentAmount
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+and
+@SalesPriceTotalAdjustmentPositiveIndicator='
+Y']
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+
+10
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+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.
+
+20
+
+String
+
+This is a free text field which should describe any porch, patio, or deck.
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+
+10
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+20
+
+String
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
diff --git a/chunks/txt/3975d348545b246d838b316ebc0710142a32a6b4f5a18a30f9d3bff72ee9593f.txt b/chunks/txt/3975d348545b246d838b316ebc0710142a32a6b4f5a18a30f9d3bff72ee9593f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..73855202311bc284a6084ad775e2b2fae3c683dc
--- /dev/null
+++ b/chunks/txt/3975d348545b246d838b316ebc0710142a32a6b4f5a18a30f9d3bff72ee9593f.txt
@@ -0,0 +1,82 @@
+Location Adjustment
+
+Leasehold/Fee Simple
+
+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='Location']/@_Amount
+
+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='PropertyRights']/@_Description
+
+Leasehold/Fee Simple 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='PropertyRights']/@_Amount
+
+404
+
+3
+
+69
+
+SALES
+COMPARISON
+APPROACH
+
+HOA Mo. Assessment
+
+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='MonthlyFacilityFee']/@_Description
+
+405
+
+3
+
+70
+
+SALES
+COMPARISON
+APPROACH
+
+HOA Mo. Assessment Adjustment
+
+Sale Price
+Adjustment Amount
diff --git a/chunks/txt/39a14e950a4776f7c89df67b95e760998d41b67325c343b14e1580b4df54be1e.txt b/chunks/txt/39a14e950a4776f7c89df67b95e760998d41b67325c343b14e1580b4df54be1e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..77220e0c93b075b207669edff6e7db06e1a3c36e
--- /dev/null
+++ b/chunks/txt/39a14e950a4776f7c89df67b95e760998d41b67325c343b14e1580b4df54be1e.txt
@@ -0,0 +1,6 @@
+MBS Seller 2005
+
+In addition, FM Connect is publishing a new section, MBS Seller Aug 2025, to ensure we provide
+all relevant fields from the reports we are retiring. This report is available now.
+
+© 2025 Fannie Mae Page 6 of 6
diff --git a/chunks/txt/39a441b373c075b3bc789f225b35ea87c50371b2080bdfcd8c084308469acba7.txt b/chunks/txt/39a441b373c075b3bc789f225b35ea87c50371b2080bdfcd8c084308469acba7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b31be2fb63344c281813f07dc1f8fd39a9b62344
--- /dev/null
+++ b/chunks/txt/39a441b373c075b3bc789f225b35ea87c50371b2080bdfcd8c084308469acba7.txt
@@ -0,0 +1,31 @@
+Note: The estimated effective age may be close to or equal to its actual age. It reflects a
+property in which some of the short-lived building components have been replaced, and
+some short-lived building components are at or near the end of their physical life
+
+Page 64 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.
+
+expectancy; however, they still function adequately. Most minor repairs have been
+addressed on an ongoing basis resulting in an adequately maintained property.
+
+C5: The improvements feature obvious deferred maintenance and are in need of some
+significant repairs. Some building components need repairs, rehabilitation, or updating. The
+functional utility and overall livability are somewhat diminished due to condition, but the
+dwelling remains useable and functional as a residence.
+
+Note: Some significant repairs are needed to the improvements due to the lack of adequate
+maintenance. It reflects a property in which many of its short-lived building components are
+at the end of or have exceeded their physical life expectancy but remain functional.
+
+C6: The improvements have substantial damage or deferred maintenance with deficiencies
+or defects that are severe enough to affect the safety, soundness, or structural integrity of the
+improvements. The improvements are in need of substantial repairs and rehabilitation,
+including many or most major components.
diff --git a/chunks/txt/39af04c11de0d3e81d5d24d417adfb5cc9c3a78dc5e70110efbfda1bed5188a0.txt b/chunks/txt/39af04c11de0d3e81d5d24d417adfb5cc9c3a78dc5e70110efbfda1bed5188a0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8e66f91556ab32b8eea8e6cca1a76ecb7d1cf075
--- /dev/null
+++ b/chunks/txt/39af04c11de0d3e81d5d24d417adfb5cc9c3a78dc5e70110efbfda1bed5188a0.txt
@@ -0,0 +1,3 @@
+05 Disaster Mitigation .......................................................................................................................................................................................................................... 141
+
+Overview ................................................................................................................................................................................................................................................ 141
diff --git a/chunks/txt/39babeaef9c685a45b89f69490910263749e7ca8f87d2e2b19a7250316a0fd7b.txt b/chunks/txt/39babeaef9c685a45b89f69490910263749e7ca8f87d2e2b19a7250316a0fd7b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1e07b2dc41afb6a647a9b7d3c77b754757e19ab6
--- /dev/null
+++ b/chunks/txt/39babeaef9c685a45b89f69490910263749e7ca8f87d2e2b19a7250316a0fd7b.txt
@@ -0,0 +1,123 @@
+Interest Rate at
+Origination
+Note Amount
+
+99.000 = Missing/not available
+
+999999999 = Not available
+
+The PUDB binning differs from the CFPB bins
+for the HMDA dataset (25-49 and 50-99) in
+order to allow alignment with FHFA’s
+regulatory definition of ‘‘small multifamily
+property’’ as “at least 5 dwelling units but no
+more than 50 dwelling units” in 12 CFR
+1282.1.
+
+Note amount is reported as the midpoint for
+the $10,000 interval into which the reported
+value falls to conform with CFPB Privacy
+Guidance.
+Property value is reported as the midpoint for
+the $10,000 interval into which the reported
+value falls to conform with CFPB Privacy
+Guidance.
+Months
+
+42
+
+23
+
+9
+
+property_value
+
+Property Value
+
+999999999 = Not available
+
+term_prepay_penalty
+
+Prepayment Penalty Term 999 = Missing/not available
+
+balloon
+
+io
+
+Non-fully Amortizing
+Feature - Balloon
+Non-fully Amortizing
+Feature – Interest-only
+
+1 = Balloon payment
+9 = Not applicable/missing
+1 = Interest-only payments
+9 = Not applicable/missing
+
+24
+
+25
+
+26
+
+3
+
+1
+
+1
+
+MF CTF
+
+Enterprise Public Use Database Data Dictionary
+Data Release of 2024 Acquisitions
+
+Multifamily Properties
+Census Tract File
+
+Header Name
+
+Field Name
+
+Values
+
+Description / Comments
+
+Federal Housing
+Finance Agency
+
+Field # Field
+Width
+1
+
+27
+
+28
+
+29
+
+1
+
+3
+
+neg_am
+
+non_amort_other
+
+Non-fully Amortizing
+Feature – Negative
+Amortization
+Non-fully Amortizing
+Feature - Other
+
+1 = Negative Amortization
+9 = Not applicable/missing
+
+1 = Other non-fully amortizing features
+9 = Not applicable/missing
+
+afford_units_pct
+
+Multifamily Affordable
+Units - Percent
+
+999 = Missing/not available
diff --git a/chunks/txt/39bbd76f50b625ddf0f8043caa46a0a26c072097e9b7815c9ab8ceab863956fb.txt b/chunks/txt/39bbd76f50b625ddf0f8043caa46a0a26c072097e9b7815c9ab8ceab863956fb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..01d0c429f857f2054a94fd86d6fef2cacf74a59c
--- /dev/null
+++ b/chunks/txt/39bbd76f50b625ddf0f8043caa46a0a26c072097e9b7815c9ab8ceab863956fb.txt
@@ -0,0 +1,127 @@
+Total Estimated Cost of Items
+Recommended for Repair
+
+There are no apparent defects, damages, or deficiencies requiring action. For details, reference the ‘Reconciliation’ section.
+
+Total Cost
+
+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
+
+Property Valuation Method
+
+Was a Property Data Report used in lieu of an
+Inspection?
+
+Appraiser Fee
+AMC Fee
+Government Agency
+Investor Requested Special Identification
+
+Yes No
+
+
+STET
+
+“lieu” l.c.
+
+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
+
+Assignment Information
+
+Assignment Reason
+Borrower Name
+Seller Name
+Current Owner of Public Record
+
+Contact Information
+
+[Role]/[Role]
+
+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
+
+Scope of Inspection by Supervisory Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date
+
+Significant Real Property Appraisal Assistance
+
+Name
+
+Description
+
+Property Data Report
+
+Name
+Occupation
+Company Name
+Company Address
+Reference ID
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date
+
+Assignment Information and Scope of Work Commentary
diff --git a/chunks/txt/39c3656a40a2fbb1e373157fdd9a4441fdb659758167a9913a07cb6827e5b967.txt b/chunks/txt/39c3656a40a2fbb1e373157fdd9a4441fdb659758167a9913a07cb6827e5b967.txt
new file mode 100644
index 0000000000000000000000000000000000000000..88f0df1a7448e82ec73403eacc1bfa82f025ba0f
--- /dev/null
+++ b/chunks/txt/39c3656a40a2fbb1e373157fdd9a4441fdb659758167a9913a07cb6827e5b967.txt
@@ -0,0 +1,50 @@
+See the Loan Delivery Quality Mortgage Edits Job Aid for additional information on the current Loan Delivery edits. A new
+UCD job aid with additional information on the new tab will be available in January 2024.
+
+© 2023 Fannie Mae 12.14.23 Page 1 of 5
+
+In Case You Missed It
+
+Effective
+Date
+
+Impacted Area
+
+November 6
+
+UCD Critical Edits –
+
+Phase 3B Edit
+Implementation
+
+On Nov. 6, 2023, the GSEs will transition UCD Phase 3B edits to fatal severity. Lenders should review all feedback
+messages returned by the UCD Collection Solution and resolve any issues, particularly for any Phase 3B edits showing
+a severity of warning-to-fatal. Lenders can review all UCD edits via the Fannie Mae Connect™ UCD report.
+
+Description
+
+See the Phase 3 Edits tab in the UCD Feedback Messages document for a list of the UCD Phase 3B edits. Please reference the
+UCD Critical Edits Transition Resources page for additional resources.
+
+November 4
+
+Maintenance
+Window Change
+
+Starting Nov. 4, the maintenance window for the UCD Collection Solution will change to align with other Delivery application
+maintenance windows. The UCD Collection Solution will now be available every day, 24 hours a day, except from 5 p.m. ET
+Saturday to 8 a.m. ET Sunday due to maintenance.
+
+October 30
+
+UCD Edit
+Updates
+
+On Oct. 30, the following changes will be made in UCD to align with existing Uniform Loan Delivery Dataset (ULDD)
+requirements:
+
+• Warning edit 3124: Remove “PMI | RMIC | Triad | CAHLIF | RMIC-NC | Genworth | MDHousing” as valid enumerations for
+
+MI Company Name Type and MI Company Name Type Other Description.
+
+• Warning edit 3175 will be deactivated.
diff --git a/chunks/txt/39c9e4540dc2e77e6f7da07abbae333a7d3622ceff2fc4455fb6477ece7261c8.txt b/chunks/txt/39c9e4540dc2e77e6f7da07abbae333a7d3622ceff2fc4455fb6477ece7261c8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2a7aaf76b842f25b2976d80ae4bee382a0c6a61e
--- /dev/null
+++ b/chunks/txt/39c9e4540dc2e77e6f7da07abbae333a7d3622ceff2fc4455fb6477ece7261c8.txt
@@ -0,0 +1,39 @@
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+7
+
+The DU Spec includes the following Parent Containers within EXTENSION containers:
+
+• DU:BORROWER_FEATURE
+• DU:CONSTRUCTION_EXTENSION
+• DU:EMPLOYMENT_EXTENSION
+• DU:LOAN_DETAIL_EXTENSION
+• DU:PROPERTY_VALUATION_DETAIL_EXTENSION
+• DU:UNDERWRITING_VERIFICATION
+• ULAD:ASSET_DETAIL_EXTENSION
+• ULAD:DECLARATION_DETAIL_EXTENSION
+• ULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSION
+• ULAD:HMDA_ETHNICITY
+• ULAD:HMDA_RACE_DESIGNATION_EXTENSION
+• ULAD:LANGUAGE_EXTENSION
+• ULAD:URLA_TOTAL_EXTENSION
+• ULAD:QUALIFICATION_EXTENSION
+
+Data points within Extension containers have to be in alphabetical order
+The loan application submission is based on the MISMO Reference Data Model, and DU expects that
+data points and attributes in this file are in alphabetical order. This means that the XML Submission file
+must comply with alphabetical order for data points within extension containers as well. For example,
+ULAD:LanguageCodeOtherDescription and ULAD:LanguageRefusalIndicator must be placed in
+alphabetical order to avoid schema errors.
+
+Understanding Fannie Mae’s DU Spec
+The implementation of the DU Spec to create a Loan Application Submission file for DU requires
+familiarity with the MISMO v3.4 XML Schema and its corresponding LDD. The DU Spec is based on the
+structures and definitions in the schema as well as the LDD documents and provides specific information
+on how to create the XML file for DU.
+
+Navigating the Fannie Mae DU Spec
+The DU Spec is organized in named tabs in a Microsoft Office Excel workbook. The following is a list of
+the tabs and a brief description, where necessary, in the DU spec:
diff --git a/chunks/txt/39cce1249b86dbf175972b725c06a6f251eae8e92bd8ccfa368c60e6080cfd46.txt b/chunks/txt/39cce1249b86dbf175972b725c06a6f251eae8e92bd8ccfa368c60e6080cfd46.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f767ca242fa7ec63d2f2260674d617fdac5cc862
--- /dev/null
+++ b/chunks/txt/39cce1249b86dbf175972b725c06a6f251eae8e92bd8ccfa368c60e6080cfd46.txt
@@ -0,0 +1,116 @@
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+UAD Instruction - Refer to Appendix D Improvements Section
+
+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
+
+T
+
+Form FNM 2055 FRE 2055
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 189 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
+
+246
+
+2
+
+25
+
+SALES
+COMPARISON
+APPROACH
+
+Quality of Construction
+
+GSE Quality Of
+Construction Rating
+Type
+
+The overall rating of the property's
+quality of construction.
+
+247
+
+2
+
+e-17
+
+SALES
+COMPARISON
+APPROACH
+
+Actual Age
+
+GSE Age Estimation
+Indicator
+
+Indicates if the age of the property is
+estimated.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA
+RISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION
+_SECTION[@ExtensionSectionOrganizationName='UNIFORM
+APPRAISAL
+DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/
+COMPARISON_DETAIL/@GSEQualityOfConstructionRatingType
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA
+RISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION
+_SECTION[@ExtensionSectionOrganizationName='UNIFORM
+APPRAISAL
+DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/
+COMPARISON_DETAIL/@GSEAgeEstimationIndicator
+
+248
+
+2
+
+26
+
+SALES
+COMPARISON
+APPROACH
diff --git a/chunks/txt/39cede2382ecfdab085467e93b4807ec4a320dda355a0ccd70d8952a55d89a19.txt b/chunks/txt/39cede2382ecfdab085467e93b4807ec4a320dda355a0ccd70d8952a55d89a19.txt
new file mode 100644
index 0000000000000000000000000000000000000000..038494f0819286ab02d84f8f7ad90d6437e009d2
--- /dev/null
+++ b/chunks/txt/39cede2382ecfdab085467e93b4807ec4a320dda355a0ccd70d8952a55d89a19.txt
@@ -0,0 +1,27 @@
+project,
+
+• managing the completion escrow account in which improvement funds are held, and
+• monitoring the completion of the HomeStyle Refresh improvement work.
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 179 of 166
+
+UAD 3.6 Policy
+
+The lender must establish a completion escrow for incomplete improvements. The improvements must be completed no
+later than 180 days from the date of the mortgage note. For requirements related to the completion of the postponed
+improvements, including escrow accounts, disposition of funds after work completion, and title reports, see the applicable
+table in B4-1.2-05, Requirements for Verifying Completion and Postponed Improvements.
+
+In the event a renovation project exceeds 180 days, the lender must submit this information to Loan Quality Connect to
+describe the circumstances resulting in the delay and determine potential remedies. Recourse shall remain until proof of
+completion has been provided. If a loan experiences a serious delinquency (120+ days) while under recourse, the loan will be
+subject to repurchase.
+
+The lender may fund up to 50% of the total planned renovation costs at closing with an initial draw. A portion of the initial
+draw may be used to pay for permits, architect fees, and design or planning expenses that were incurred during the initial part
+of the project.
+
+The lender must maintain a copy of all documentation in the individual loan file that supports the improvement work, such as
+the, “as completed” appraisal, home improvement contract, certification of completion, and title insurance endorsements or
+updates (if applicable).
diff --git a/chunks/txt/39e655d6a607b78e4f287441158ddeec5f3b8b77e8e7c37aae6efcbb13ae9476.txt b/chunks/txt/39e655d6a607b78e4f287441158ddeec5f3b8b77e8e7c37aae6efcbb13ae9476.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d41257828b0f9fd66388bd777cc1dab7822a93e6
--- /dev/null
+++ b/chunks/txt/39e655d6a607b78e4f287441158ddeec5f3b8b77e8e7c37aae6efcbb13ae9476.txt
@@ -0,0 +1,82 @@
+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 19 of 23
+
+Sales Comparison Approach (continued)
+
+PG BRK
+
+Sales Comparison Map
+
+This is where the Sales Comparable Map would display.
+
+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 20 of 23
+
+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
+
+Sales Comparison Approach
+$775,000
+
+Income Approach
+
+Cost Approach
+
+Not Necessary for Credible Results
+
+Not Necessary for Credible Results
+
+$770,000
+$775,000
+As Is
+
+Reasonable Exposure Time
+Effective Date of Appraisal
+
+60-90 Days
+09/08/2019
+
+Reconciliation of Market Value
+
+Utilize this subsection for additional commentary as required by USPAP.
+
+Apparent Defects, Damages, Deficiencies
+
+None
+
+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
diff --git a/chunks/txt/3a12c656c4a3db60d7dd7b951a2a18f68e5f0663b516a4757f33f60194df2b02.txt b/chunks/txt/3a12c656c4a3db60d7dd7b951a2a18f68e5f0663b516a4757f33f60194df2b02.txt
new file mode 100644
index 0000000000000000000000000000000000000000..99c588136e7cfb4d74b26aae3efa773a382b475a
--- /dev/null
+++ b/chunks/txt/3a12c656c4a3db60d7dd7b951a2a18f68e5f0663b516a4757f33f60194df2b02.txt
@@ -0,0 +1,69 @@
+The actual graphs are displayed in Market Exhibits with the Market Graph
+Type.
+Other graphs that are not in this list may be included in Market Exhibits,
+and a caption must be provided to identify the graph.
+
+17.018 Price Trend
+
+Always required
+
+Free-form
+
+The source(s) that the appraiser used to determine price trends.
+
+Source
+
+17.019 Price Trend
+
+Analysis
+Commentary
+
+Required if there is no
+Price Trend Graph, or
+if relevant
+
+Free-form
+
+Price Trend Analysis Commentary must include how price trends were
+determined, including reconciliation if multiple sources used.
+
+Appendix F-1: URAR Reference Guide
+
+Page 179 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+17 Market
+
+Allowable Answer
+
+Absorption Rate
+
+Market Graph Type (Choose all that apply)
+
+Definition / Additional Guidance
+
+A graph representing the rate in which homes are sold in the defined market area using the appraiser’s Lookback
+Period. This graph may represent Absorption Rate (Number of Settled or Pending Sales divided by Number of Months) and
+/ or the Months of Housing Supply (Number of Listings divided by Absorption Rate).
+
+Median Days on Market
+
+A graph representing the median number of days properties are listed in the defined market area. A median value is
+defined as a value lying at the midpoint of a frequency of observed values.
+
+Percent of Distressed Sales
+
+A graph representing the percentage of distressed sales (e.g., foreclosure, REO, short sale) in the defined market area
+using the appraiser’s Lookback Period.
+
+Price Trend
+
+Year Built of Sales
+
+Housing Trends
+
+A graph representing the trend of sale and / or listing prices in the defined market area using the appraiser’s Lookback
+Period.
diff --git a/chunks/txt/3a167e97d2bbc343bc8a54288946121b6ab46dbf4158d7ae391e53c13324298d.txt b/chunks/txt/3a167e97d2bbc343bc8a54288946121b6ab46dbf4158d7ae391e53c13324298d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a017a546d44fe10a78b7269fcb552fd90e9c1cac
--- /dev/null
+++ b/chunks/txt/3a167e97d2bbc343bc8a54288946121b6ab46dbf4158d7ae391e53c13324298d.txt
@@ -0,0 +1,100 @@
+5 = VERIFICATION
+
+5 = EMPLOYMENT/ INCOME
+
+5 = VERIFICATION
+
+5 = EMPLOYMENT/ INCOME
+
+5 = VERIFICATION
+
+5 = EMPLOYMENT/ INCOME
+
+5 = VERIFICATION
+
+5 = EMPLOYMENT/ INCOME
+
+List
+
+List
+
+List
+
+List
+
+List
+
+List
+
+List
+
+Vendor Match
+
+Employer Name in Rep
+
+Vendor Match
+
+Employer Name(s) in Rep
+
+Vendor Match
+
+Income Source from Rep
+
+Vendor Match
+
+Income Source from Rep
+
+Vendor Match
+
+Income Source from Rep
+
+Vendor Match
+
+Employer Name in Rep
+
+Vendor Match
+
+Income Source from Rep
+
+* NOTE: Message 3305 has been suspended temporarily due to COVID-19. Changes will be applied when employment validation is reinstated.
+
+Updated Reason Code Text
+
+The text for a reason code will be updated as defined below.
+
+Message ID
+
+Current Reason Code Text
+
+New Reason Code Text
+
+3307
+
+Employer name in VOE doesn't match employer name in DU
+
+Employer in DU doesn't match employer(s) in VOE report;
+review the employer name(s) on the VOE report
+
+DU XML Codified Findings – Message Text (Sample)
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
diff --git a/chunks/txt/3a345734a563998a9f8d5cb98e3e7d8914efa25b4132aed2e27a67427b1d5cbc.txt b/chunks/txt/3a345734a563998a9f8d5cb98e3e7d8914efa25b4132aed2e27a67427b1d5cbc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..29e148c59d919bafaf646a53f3c1f302785583d5
--- /dev/null
+++ b/chunks/txt/3a345734a563998a9f8d5cb98e3e7d8914efa25b4132aed2e27a67427b1d5cbc.txt
@@ -0,0 +1,45 @@
+3. TO SUPPORT DATA CLARI TY
+
+In certain cases, UCD asks for additional information needed to clarify data required on the Closing Disclosure.
+For example: When Property Valuation Amount is on the Closing Disclosure, the UCD requires 1.018
+PropertyValuationMethodType.
+
+C. XML-REQUI RED D ATA POI NTS
+
+Several data points are included in UCD to identify the XML file and its payload, establish relationships between
+containers, and extend the v3.3.0 Reference Model to include missing UCD required data. These data points do
+not have a corresponding heading or form label on the Closing Disclosure, so are identified with “XML” in the
+Form Field ID column. Users can track unique instances of these data points within Appendix I by using the value
+in the Unique ID column.
+
+1. TO I DENTI FY THE XML FI LE
+
+File metadata provides the MISMO Reference Model build number upon which the XML file is based and the
+date the file was created.
+
+2. TO I DENTI FY THE FI LE’ S PAYLOAD
+
+The systems receiving UCD files need high-level information about the payload to enable processing. In addition
+to identifying the form (see III. Closing Disclosure), data points4 are included to enable the transmission of the
+Closing Disclosure PDF.
+
+4 These data points comply with the SMART Doc PDF Basic and Retrievable I-Guide available on MISMO’s Web site at
+http://www.mismo.org/Guidelines/ImplementationGuidelines.htm.
+
+Appendix E: UCD Implementation Guide
+
+Page 25 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+IV. UCD Data Point Categories
+
+3. TO SUPPORT UCD REQUI REM ENTS NOT I N MI SMO V 3. 3. 0
+
+Some UCD data requirements were identified after MISMO v3.3.0 was published. These data points are included
+in the UCD using the EXTENSION/OTHER structure and require the prefix “gse:” in front of the container or data
+point name5. The following namespace must also be included in the UCD XML file header
+xmlns:gse=http://www.datamodelextension.org (see Table 5). The following UCD data points are EXTENSIONs
+to MISMO v3.3:
diff --git a/chunks/txt/3a383e5838071c5d925d4f48fabda0b751a387e91c6fefbf91504613e0276678.txt b/chunks/txt/3a383e5838071c5d925d4f48fabda0b751a387e91c6fefbf91504613e0276678.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9d1d7f615ec8fe4efe02daaf976daf3d5c5d80c8
--- /dev/null
+++ b/chunks/txt/3a383e5838071c5d925d4f48fabda0b751a387e91c6fefbf91504613e0276678.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
+
+# Plain Language Report
+
+## Breadcrumb
+
+- [Home](/)
+ - [Reports](/reports)
+ - Plain Language Report
+
+This report describes the Federal Housing Finance Agency’s (FHFA) compliance with the Plain Writing Act of 2010 (Act). The purpose of the Act is to improve the effectiveness and accountability of federal agencies to the public by promoting clear government communication that the public can understand and use.
diff --git a/chunks/txt/3a520ebfcd3c09bbef90fc40d5ab36e9e76f3c2cb33967a33a76b1e4c1719c16.txt b/chunks/txt/3a520ebfcd3c09bbef90fc40d5ab36e9e76f3c2cb33967a33a76b1e4c1719c16.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d0fa70072a51b6ce8effbd71d674899a3bc0e4ff
--- /dev/null
+++ b/chunks/txt/3a520ebfcd3c09bbef90fc40d5ab36e9e76f3c2cb33967a33a76b1e4c1719c16.txt
@@ -0,0 +1,49 @@
+9 MEG 0022 v1.0 (Calculated Result) describes Calculated Results Fields and can be found on the MISMO Web site
+at http://www.mismo.org/specs/v30-candidate-recommendation.html.
+
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 10 of 76
+
+Section III. Using the MISMO v3.0 Logical Data Dictionary
+
+Each GSE’s Appendix A (also referred to as GSE-specific data set) uses subsets of
+valid values specific to the loan delivery function.
+
+Example III-3. MISMO LDD Data Point Enumerations.
+
+Data Point: AttachmentType
+Definition: Specifies the type of physical attachment, if any, between the
+
+dwelling unit and adjacent dwelling units.
+
+Enumerations:
+
+ Attached : Residential dwelling unit that has common wall or other direct
+
+physical connection with another residential dwelling unit.
+
+ Detached : Residential dwelling unit that has no common wall or other
+
+direct physical connection with another residential dwelling unit.
+
+ SemiDetached : Residential dwellings that consist of pairs of houses built
+side by side sharing a common party wall. Sometimes called a duplex.
+
+Notes: AttachmentType has three valid values, Attached, Detached, and
+
+SemiDetached. The text following the colon is the explanation and is not
+part of the valid value term name.
+
+a. Other / OtherDescription
+
+MISMO has developed a construct to allow business partners to add user-specific
+or missing valid values to a data point. Almost every data point with an associated
+enumerated list (data points ending in “Type”), has an identically named partner
+data point ending in “OtherDescription.” (There are a limited number of
+exceptions to this rule, for those data points with enumerations for which the
+Workgroup believes the list of valid values to be complete; for example,
+AdjustmentRuleType and LoanStateType. These data points do not have an
+associated “Other Description” partner.)
diff --git a/chunks/txt/3a5541d964c9a65de555e6b43bd739051a28f6e8ed925cd84b00eb43cbfcef85.txt b/chunks/txt/3a5541d964c9a65de555e6b43bd739051a28f6e8ed925cd84b00eb43cbfcef85.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e59febd503eb7b8e34af3032532672f093d99272
--- /dev/null
+++ b/chunks/txt/3a5541d964c9a65de555e6b43bd739051a28f6e8ed925cd84b00eb43cbfcef85.txt
@@ -0,0 +1,64 @@
+Dynamic Reports
+
+The Document Level Results displays dynamic fields that appear when applicable, reflecting the data-driven nature of
+UAD 3.6. This includes content-specific data for the Restricted Appraisal Update Report and Completion Reports.
+
+Restricted Appraisal Update Report (Update Report)
+
+Fannie Mae
+
+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.
+
+Data Fields Specific to the Restricted Appraisal Update Report
+
+Field Name
+
+Definition / Description
+
+Has the market value of the
+subject property decreased
+since the effective date of
+the original appraisal?
+
+Indicates whether the market value of a property has decreased.
+Generally used when updating a previous appraisal report on the
+same property.
+
+Appraisal Update Effective
+Date
+
+It is the effective date of when the appraiser's analyses, opinions,
+and conclusions regarding the property's value apply.
+
+Original Effective Date of
+Appraisal
+
+The date of when the appraiser’s analyses, opinions, and
+conclusions regarding the property’s values apply on the
+original URAR, i.e., the effective date of the URAR that is
+associated with the Restricted Appraisal Update Report.
+
+*Fannie Mae (FNM); Freddie Mac (FRE)
+
+Appears on
+[FNM, FRE, Both] *
+
+Both
+
+Both
+
+Both
+
+Completion Report
+
+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.
diff --git a/chunks/txt/3a74744f83ad104a14641648d4d5a8ad83e7eb4405008929d648f20104c14328.txt b/chunks/txt/3a74744f83ad104a14641648d4d5a8ad83e7eb4405008929d648f20104c14328.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e57c90f9b1da872fb84c2483da80a9d2c344575c
--- /dev/null
+++ b/chunks/txt/3a74744f83ad104a14641648d4d5a8ad83e7eb4405008929d648f20104c14328.txt
@@ -0,0 +1,31 @@
+(cid:21)(cid:17)(cid:19)(cid:21)(cid:24)
+
+(cid:21)(cid:17)(cid:19)(cid:21)(cid:25)
+
+(cid:21)(cid:17)(cid:19)(cid:21)(cid:26)
+
+(cid:21)(cid:17)(cid:19)(cid:21)(cid:27)
+
+(cid:21)(cid:17)(cid:19)(cid:21)(cid:28)
+
+(cid:21)(cid:17)(cid:19)(cid:22)(cid:19)
+
+(cid:21)(cid:17)(cid:19)(cid:22)(cid:20)
+
+(cid:21)(cid:17)(cid:19)(cid:22)(cid:28)
+
+(cid:21)(cid:17)(cid:19)(cid:23)(cid:19)
+
+(cid:21)(cid:17)(cid:19)(cid:23)(cid:20)
+
+(cid:21)(cid:17)(cid:19)(cid:23)(cid:21)
+
+(cid:21)(cid:17)(cid:19)(cid:23)(cid:22)
+
+(cid:21)(cid:17)(cid:19)(cid:23)(cid:23)
+
+(cid:21)(cid:17)(cid:19)(cid:23)(cid:24)
+
+(cid:21)(cid:17)(cid:19)(cid:23)(cid:25)
+
+(cid:21)(cid:17)(cid:19)(cid:23)(cid:28)
diff --git a/chunks/txt/3a7e397b825b7bdf99dfdcc1961ac409f36df49d2e3b5e8eab2bc48876d5595c.txt b/chunks/txt/3a7e397b825b7bdf99dfdcc1961ac409f36df49d2e3b5e8eab2bc48876d5595c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..378c2a65ce7315ce9164159e7aa9c8322785b752
--- /dev/null
+++ b/chunks/txt/3a7e397b825b7bdf99dfdcc1961ac409f36df49d2e3b5e8eab2bc48876d5595c.txt
@@ -0,0 +1,177 @@
+1.004
+
+Assignment
+Reason
+
+Always displays
+
+Displays an allowable
+answer from the
+Definition /
+Additional Guidance
+column
+
+Assignment
+Information
+•
+
+Assignment
+Reason 2.000
+
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+
+Construction
+Deed in Lieu
+Home Equity
+Loan Modification
+Portfolio Evaluation
+Preforeclosure
+Purchase
+Refinance
+REO
+Short Sale
+Other (Describe)
+
+1.005
+
+Borrower Name
+
+If applicable
+
+Free-form
+Repeatable
+
+1.006
+
+Current Owner
+of Public Record
+
+Always displays
+
+Free-form
+Repeatable
+
+1.007
+
+Contract Price When Sales
+
+Dollar amount
+
+Contract
+Information
+Analyzed is Yes
+
+1.008
+
+Listing Status
+
+Always displays
+
+Displays an allowable
+answer from the
+Definition /
+Additional Guidance
+column
+
+Assignment
+Information
+•
+
+Borrower Name
+2.001
+
+Assignment
+Information
+•
+
+Current Owner of
+Public Record
+2.002
+
+Sales Contract
+•
+
+Contract Price
+20.004
+
+Notes:
+•
+•
+
+The borrower can be a person or a legal entity.
+For VA appraisals, reference the appropriate
+government agency appraisal guidelines.
+
+Note: The current owner can be a person or a legal
+entity.
+
+The dollar amount stated in the sales contract.
+
+Subject Listing
+Information
+•
+
+Current or
+Relevant Listings
+19.000
+Listing Status
+19.002 for most
+recent listing
+
+•
+
+•
+•
+•
+•
+
+•
+•
+•
+•
+
+None (Current or Relevant Listings is No)
+Active
+Off Market (previously in MLS)
+Pending
+
+Traditional Appraisal
+Hybrid Appraisal
+Desktop Appraisal
+Exterior Appraisal
+
+1.010
+
+Property
+Valuation
+Method
+
+Always displays
+
+Displays an allowable
+answer from the
+Definition /
+Additional Guidance
+column
+
+Assignment
+Information
+•
+
+Property
+Valuation
+Method 2.004
+
+1.011
+
+Appraiser Name Always displays
diff --git a/chunks/txt/3a90b85508fc3b5c29fd602c01c329ed6f2027c3871b61b9c2a509f956278978.txt b/chunks/txt/3a90b85508fc3b5c29fd602c01c329ed6f2027c3871b61b9c2a509f956278978.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1f5710e8d5d561a441a36b8c4c8cbe223dcd9eaa
--- /dev/null
+++ b/chunks/txt/3a90b85508fc3b5c29fd602c01c329ed6f2027c3871b61b9c2a509f956278978.txt
@@ -0,0 +1,56 @@
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM
+PARISON_LOCATION_DETAIL_EXTENSION/COMPARISON_LOCA
+TION_DETAIL_EXTENSION_SECTION[@ExtensionSectionOrganization
+Name='UNIFORM APPRAISAL
+DATASET']/COMPARISON_LOCATION_DETAIL_EXTENSION_SECT
+ION_DATA/COMPARISON_LOCATION_DETAIL[@_SequenceIdentifier
+='1..2']/@GSELocationType
+
+20
+
+Enumerated
+
+Allowable Values PDF Display
+Residential Res
+Industrial Ind
+Commercial Comm
+BusyRoad BsyRd
+WaterFront WtrFr
+GolfCourse GlfCse
+AdjacentToPark AdjPrk
+AdjacentToPowerLines AdjPwr
+Landfill Lndfl
+PublicTransportation PubTrn
+Other *
+
+*See field e-16 directly below.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COM
+PARISON_LOCATION_DETAIL_EXTENSION/COMPARISON_LOCA
+TION_DETAIL_EXTENSION_SECTION[@ExtensionSectionOrganization
+Name='UNIFORM APPRAISAL
+DATASET']/COMPARISON_LOCATION_DETAIL_EXTENSION_SECT
+ION_DATA/COMPARISON_LOCATION_DETAIL/.[@GSELocationType
+='Other']/@GSELocationTypeOtherDescription
+
+20
+
+String
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SAL
+E_PRICE_ADJUSTMENT[@_Type='Location']/@_Amount
+
+10
+
+Money
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+If a location factor not on the list materially affects the value of the property, the
+appraiser must select 'Other' and enter a description of the location 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.
diff --git a/chunks/txt/3a931e5118237c812914ee9a2c86807af1195f65e31f76d096f89b42b75b8fb7.txt b/chunks/txt/3a931e5118237c812914ee9a2c86807af1195f65e31f76d096f89b42b75b8fb7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2353918112d480c2890737ec4ebbfa97a49b3c26
--- /dev/null
+++ b/chunks/txt/3a931e5118237c812914ee9a2c86807af1195f65e31f76d096f89b42b75b8fb7.txt
@@ -0,0 +1,94 @@
+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='
+AdditionalFeatures']/@_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.
+
+292
+
+2
+
+e-9
+
+UNIT
+IMPROVEMENTS
+
+Describe the condition of the property
+(including apparent needed repairs,
+deterioration, renovations, remodeling,
+etc.)
+
+GSE Overall
+Condition Type
+
+The overall condition rating of the
+property.
+
+/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/@GSEOverallConditionType
+
+2
+
+Enumerated
+
+UAD Requirement - Refer to Appendix D Improvements Section
+
+Allowable Values
+C1
+C2
+C3
+C4
+C5
+C6
+
+Note: This data appears in more than one place for the subject (field 3-32) on the
+appraisal form and must be represented consistently.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+UAD Requirement - Refer to Appendix D Improvements Section
+This field must contain additional comments about the condition of the property.
+
+293
+
+294
+
+2
+
+2
+
+90
+
+91
+
+UNIT
+IMPROVEMENTS
+
+Describe the condition of the property
+(including apparent needed repairs,
+deterioration, renovations, remodeling,
+etc.)
+
+Property Analysis
+Comment
+
+A free-form text field that holds the
+property analysis comments for the
+analysis category specified by Property
+Analysis Type.
diff --git a/chunks/txt/3a9d2a402765b9e3aa6639664b4cefc39c9ff4533821237d2de4bca645ef6044.txt b/chunks/txt/3a9d2a402765b9e3aa6639664b4cefc39c9ff4533821237d2de4bca645ef6044.txt
new file mode 100644
index 0000000000000000000000000000000000000000..01c48da2922e3619d1fe1895b40fa5ccbb4190f4
--- /dev/null
+++ b/chunks/txt/3a9d2a402765b9e3aa6639664b4cefc39c9ff4533821237d2de4bca645ef6044.txt
@@ -0,0 +1,83 @@
+Project Analysis
+Additional Facilities
+Fee Description
+
+A free-form text field describing the
+conditions, extent, and terms of the
+additional fee not included in the standard
+project fee (e.g. HOA fee).
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@
+_AdditionalFacilitiesFeeIndicator='N']
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/@
+_AdditionalFacilitiesFeeDescription
+
+Compared to other competitive projects
+of similar quality and design, the subject
+unit charge appears
+High
+
+Project Analysis
+Competitive Project
+Comparison Type
+
+Specifies the type of competition the
+project faces.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@
+_CompetitiveProjectComparisonType='High']
+
+1
+
+1
+
+4000
+
+1
+
+1
+
+4000
+
+7
+
+Boolean
+
+Boolean
+
+String
+
+Boolean
+
+Boolean
+
+String
+
+Enumerated
+
+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.
+
+One and only one of fields 2-17, 2-18
+(values of Project Analysis Budget
+Analyzed Indicator) should be indicated.
+
+One and only one of fields 2-17, 2-18
+(values of Project Analysis Budget
+Analyzed Indicator) should be indicated.
+
+One and only one of fields 2-20, 2-21
+(values of Project Analysis Additional
+Facilities Fee Indicator) should be indicated.
+
+One and only one of fields 2-20, 2-21
+(values of Project Analysis Additional
+Facilities Fee Indicator) should be indicated.
+
+If field 2-20 (Project Analysis Additional
+Facilities Fee Indicator = 'Y') is indicated a
+description should be populated.
diff --git a/chunks/txt/3a9f71144cdd601d39396ce15b3a5af88373ceae410f5e5a542870e6843eb50b.txt b/chunks/txt/3a9f71144cdd601d39396ce15b3a5af88373ceae410f5e5a542870e6843eb50b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d9903083d8de1189e53f37f8c22a99fd62abdcba
--- /dev/null
+++ b/chunks/txt/3a9f71144cdd601d39396ce15b3a5af88373ceae410f5e5a542870e6843eb50b.txt
@@ -0,0 +1,77 @@
+Property Analysis
+Comment
+
+A free-form text field that holds the
+property analysis comments for the
+analysis category specified by Property
+Analysis Type.
+
+PRIOR SALE
+HISTORY
+
+PRIOR SALE
+HISTORY
+
+I did research the sale or transfer history
+of the subject property and comparable
+sales.
+I did not research the sale or transfer
+history of the subject property and
+comparable sales.
+
+Sales History
+Researched
+Indicator
+Sales History
+Researched
+Indicator
+
+PRIOR SALE
+HISTORY
+
+I did not research the sale or transfer
+history of the subject property and
+comparable sales. If not, explain.
+
+Sales History Not
+Researched
+Comment
+
+Indicates that the sales or transfer history
+research of the subject property and
+comparable sales was performed.
+Indicates that the sales or transfer history
+research of the subject property and
+comparable sales was performed.
+
+A free-form text field used to describe or
+comment on why the sales or transfer
+history research of the subject property
+and comparable sales was not performed.
+
+/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='C
+onformsToNeighborhood']/@_Comment
+
+4000
+
+String
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/RESEARCH[@SalesHistoryResearchedIndicator='Y']
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/RESEARCH[@SalesHistoryResearchedIndicator='N']
+
+1
+
+1
+
+Boolean
+
+Boolean
+
+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.
diff --git a/chunks/txt/3aafbc12bd22bd04cfe79aa8cf068e1082e18194c8d6b03304932efdec1f6085.txt b/chunks/txt/3aafbc12bd22bd04cfe79aa8cf068e1082e18194c8d6b03304932efdec1f6085.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e99b00d32666969b0f77b217aace608ded945c1c
--- /dev/null
+++ b/chunks/txt/3aafbc12bd22bd04cfe79aa8cf068e1082e18194c8d6b03304932efdec1f6085.txt
@@ -0,0 +1,69 @@
+20.5 Reg §1026.38(n)(vii) p. 80036; §1026.37(j)(5) pp. 80119, 80346, 79973-4.
+
+20.6 Reg §1026.38(n)(viii) p. 80036; §1026.37(j)(6) pp. 80119, 80346-7, 79973-4.
+
+20.7 Reg §1026.38(n)(vi) p. 80036; §1026.37(j)(6) pp. 80119, 80346-79973-4.
+
+Appendix E: UCD Implementation Guide
+
+Page 217 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+20.0 Adjustable Interest Rate (AIR) Table
+
+Appendix E: UCD Implementation Guide
+
+Page 218 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+21.0 Loan Calculations
+
+21.0 LOAN CALCULATIONS
+
+The Loan Calculations table is included in the following Closing Disclosure variations:
+
+Table 147. 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
+
+21.0
+
+Loan Calculation
+
+✓
+
+✓
+
+✓
+
+The Loan Calculations table provides the results of the following five calculations related to the borrower’s cost
+of financing:
+
+21. 1 Total of Payments: Expressed as a dollar amount, with the statement, “Total you will have paid after you
+make all payments of principal, interest, mortgage insurance, and loan costs, as scheduled. ” The final rule
+does not allow this statement to be altered, regardless of the type of transaction.
+
+21. 2 Finance Charge: Expressed as a total dollar amount, with the statement, “The dollar amount the loan will
+cost you.” The finance charge represents the amount of credit of which the borrower has actual use. The
+disclosed finance charge and other disclosures affected by the disclosed financed charge (including the
+amount financed and the annual percentage rate) shall be treated as accurate if the amount disclosed as
+the finance charge is understated by no more than $100; or is greater than the amount required to be
+disclosed.
diff --git a/chunks/txt/3ab24de9dac4aa0c22138fcb9a810166bb8fc0fc4235f96b99345c17666586d4.txt b/chunks/txt/3ab24de9dac4aa0c22138fcb9a810166bb8fc0fc4235f96b99345c17666586d4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e9adbf56d6981f82d5ecadacb08a5c580c7dfc4a
--- /dev/null
+++ b/chunks/txt/3ab24de9dac4aa0c22138fcb9a810166bb8fc0fc4235f96b99345c17666586d4.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](/)
+ - [Programs](/programs)
+ - Fraud Prevention
+
+Program
+
+# Fraud Prevention
+
+Mortgage fraud is characterized by a material misstatement, misrepresentation, or omission in relation to a mortgage loan, which is then relied upon by a lender. Mortgage fraud is a criminal offense investigated and prosecuted by law enforcement. Civil and criminal penalties for mortgage fraud at the state and federal level can be severe and may include convictions and prison time, restitution payments, state fines, and/or probation.
diff --git a/chunks/txt/3ac1c833d625aa3735053c936bf503957a8b43ed5a5c5813bf068d1f4ece5776.txt b/chunks/txt/3ac1c833d625aa3735053c936bf503957a8b43ed5a5c5813bf068d1f4ece5776.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b801350768b5a0600c9d3e0a29c9a5430cef8098
--- /dev/null
+++ b/chunks/txt/3ac1c833d625aa3735053c936bf503957a8b43ed5a5c5813bf068d1f4ece5776.txt
@@ -0,0 +1,291 @@
+AssessorUnformattedIdentifier
+
+Z-495-2
+
+640
+
+Wood
+
+Deck
+
+Deck 1 and Deck 2
+
+\\Images\SF3_Decks.png
+
+image/png
+
+160
+
+Wood
+
+Deck
+
+Deck 1 and Deck 2
+
+\\Images\SF3_Decks.png
+
+image/png
+
+1200
+
+Concrete
+
+Patio
+
+\\Images\SF3_Patio.png
+
+image/png
+
+300
+
+Concrete
+
+Porch
+
+\\Images\SF3_Porch.png
+
+image/png
+
+OutdoorLiving
+
+Concrete
+
+IngroundPool
+
+\\Images\SF3_IngroundPool.png
+
+image/png
+
+Heated
+
+WaterFeatures
+
+1
+
+IndoorFireplace
+
+\\Images\SF3_IndoorFireplace.png
+
+image/png
+
+1
+
+WoodStove
+
+\\Images\SF3_WoodStove.png
+
+image/png
+
+WholeHome
+
+1
+
+Detached
+
+1
+
+true
+
+1
+
+false
+
+false
+
+C4
+
+Q4
+
+true
+
+true
+
+FeeSimple
+
+false
+
+false
+
+false
+
+false
+
+false
+
+false
+
+TraditionalAppraisal
+
+true
+
+true
+
+false
+
+false
+
+770000
+
+2019-08-20
+
+true
+
+true
+
+TypicallyMotivated
+
+2013-01-24
+
+600000
+
+Sale
+
+TypicallyMotivated
+
+None
+
+true
+
+true
+
+true
+
+true
+
+true
+
+Asphalt
+
+Local
+
+true
+
+PublicStreet
+
+false
+
+false
+
+false
+
+None
+
+Pastures and crop lands
+
+Bordering
+
+Agricultural
+
+Neutral
+
+14.19
+
+1
+
+Public
+
+Electricity
+
+Subject has solar power but has also maintained connection to public electrical lines.
+
+NonPublic
+
+Electricity
+
+Neutral
+
+Solar
+
+false
+
+NonPublic
+
+SanitarySewer
+
+Neutral
+
+Septic
+
+false
+
+NonPublic
+
+Water
+
+Neutral
+
+false
+
+Well
+
+Beneficial
+
+true
+
+Full
+
+Pastoral
+
+Residential-Agricultural 10+ Acres
+
+RA-10
+
+Legal
+
+35361 Place Rd
+
+Out There
+
+56789
+
+VA
+
+Driveway
+
+Gravel
+
+6
+
+false
+
+Attached
+
+Garage
+
+2
+
+0
+
+ContractDate
+
+0
+
+SaleDate
+
+0
+
+SiteSize
+
+0
+
+YearBuilt
+
+0
+
+EnergyEfficientAndGreenFeatures
+
+0
+
+LivingUnitStandardFinishedAreaAboveGrade
+
+Comp1 Primary
+
+-9480
+
+LivingUnitStandardFinishedAreaBelowGrade
+
+Comp1 Primary
+
+4420
+
+LivingUnitUnfinishedAreaBelowGrade
diff --git a/chunks/txt/3ac4c5dea8ab41c7387f8b84f2050beb430606aa36157d6a50624d185ca0c4c3.txt b/chunks/txt/3ac4c5dea8ab41c7387f8b84f2050beb430606aa36157d6a50624d185ca0c4c3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3bd6da730acd33046122495ddc25e5c52a9f0622
--- /dev/null
+++ b/chunks/txt/3ac4c5dea8ab41c7387f8b84f2050beb430606aa36157d6a50624d185ca0c4c3.txt
@@ -0,0 +1,51 @@
+Uniform Loan Application Dataset (ULAD)
+Data Relationships Using Xlink
+and MISMO Arcroles Document
+
+Document Version 1.1
+
+March 27, 2018
+
+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.
+
+©2018 Fannie Mae and Freddie Mac. All Rights Reserved. MISMO® is a registered trademark of the Mortgage Industry Standards Maintenance
+Organization.
+
+Document Revisions
+
+DOCUMENT REVI SI ONS
+
+Date
+3/27/2018 Added ASSET is associated with ROLE, LIABILITY is associated with ROLE, and EXPENSE
+
+Change
+
+is associated with ROLE to the ULAD Xlink ArcRole section
+3/27/2018 Condensed COUNSELING_EVENT is associated with ROLE into one row
+
+3/27/2018 Modified the xlink:label for CURRENT_INCOME_ITEM from INCOME_ITEM_n to
+
+CURRENT_INCOME_ITEM_n in the ULAD Xlink Arcroles section and Appendix A (Code
+Sample)
+
+3/27/2018 Modified Asset to Associated Liabilities under ULAD Xlink Arcroles section to read Asset
+
+(Owned Property) instead of Owned Property (Asset) because the relationship is from the Asset
+container to the Liability container
+
+3/27/2018 Added Document Revisions table and updated page numbers in Table of Contents
+
+Data Relationships Using Xlink and MISMO Arcroles
+
+Page 2 of 29
+
+Version 1.1
+
+Table of Content
+
+Table Of Contents
+
+Document Revisions ................................................................................................................. 2
+
+Acronyms and Abbreviations...................................................................................................... 4
diff --git a/chunks/txt/3ac985316f2e91aa34a626d03b9fe82a3259ab101e18e9129b6a747eaf21325b.txt b/chunks/txt/3ac985316f2e91aa34a626d03b9fe82a3259ab101e18e9129b6a747eaf21325b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..511d7e2c409d81172ad3dee002ffb8122842786d
--- /dev/null
+++ b/chunks/txt/3ac985316f2e91aa34a626d03b9fe82a3259ab101e18e9129b6a747eaf21325b.txt
@@ -0,0 +1,53 @@
+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=HOEPA: High-Cost Mortgage; 2=HOEPA: Not a High-
+Cost Mortgage; 3=Not subject to HOEPA
+1=Secured by first lien; 2=Secured by a subordinate
+lien; 3=Not secured by a lien; 4=Not Applicable
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+
+Rent4
+RentUT1
+RentUT2
+RentUT3
+RentUT4
+SpcHSGGoals
+TractRat
+
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
+Removed For 2019
diff --git a/chunks/txt/3adcd67fc44733ca1658ae5579065d528abb80e20b6e71dab49029b9adfde110.txt b/chunks/txt/3adcd67fc44733ca1658ae5579065d528abb80e20b6e71dab49029b9adfde110.txt
new file mode 100644
index 0000000000000000000000000000000000000000..37ef8e48e0485045fdfd98d5bea7c38099f980e4
--- /dev/null
+++ b/chunks/txt/3adcd67fc44733ca1658ae5579065d528abb80e20b6e71dab49029b9adfde110.txt
@@ -0,0 +1,30 @@
+29.059
+
+4. 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.
+
+29.060
+
+5. The assignment information regarding the scope of inspection by the Supervisory Appraiser is correct.
+
+29.071
+
+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.
+
+29.072
+
+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.
+
+29.073
+
+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.
+
+29.074
+
+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.
diff --git a/chunks/txt/3ae95316c2628c44353c6299b0fa8ddec2652c86e9618ff5b9cc5bbf74351443.txt b/chunks/txt/3ae95316c2628c44353c6299b0fa8ddec2652c86e9618ff5b9cc5bbf74351443.txt
new file mode 100644
index 0000000000000000000000000000000000000000..53240dec459d8fb7b68c06103c1a22c2766d1079
--- /dev/null
+++ b/chunks/txt/3ae95316c2628c44353c6299b0fa8ddec2652c86e9618ff5b9cc5bbf74351443.txt
@@ -0,0 +1,131 @@
+Uniform Residential Appraisal Report
+
+Page 16 of 22
+
+Sales Comparison Approach (continued)
+
+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
+
+Deck| Deck
+
+Deck | Deck
+
+Deck | Deck
+
+Elevator | Indoor Fireplace - 1
+
+Elevator | Indoor
+Fireplace - 3
+
+$(4,000)
+
+Elevator | Indoor
+Fireplace - 1
+
+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
+
+Summary
+
+List Price
+
+Contract Price
+
+Sale Price
+
+Net Adjustment Total
+
+Price Per Finished
+Area Above Grade
+
+Adjusted Price
+
+Comparable Weight
+
+$875,000
+
+$866,000
+
+$880,000
+
+$880,000
+
+—
+
+$7,000
+
+$256
+
+$887,000
+
+Most
+
+$890,000
+
+$880,000
+
+—
+
+$11,000
+
+$256
+
+$891,000
+
+Most
+
+Indicated Value by Sales Comparison Approach
+
+Indicated Value
+
+$880,000
+
+Reconciliation of Sales Comparison Approach
+
+Comparables #1, #2, #4, and #5 were given the 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.
+
+Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 17 of 22
+
+Sales Comparison Approach (continued)
+
+PG BRK
+
+Sales Comparison Map
+
+This is where the Comparable Sales Map image would display.
+
+Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024
diff --git a/chunks/txt/3af17fb193fb9e340e68646b112b74029a053da8c2b54cae7846e74f3dc87794.txt b/chunks/txt/3af17fb193fb9e340e68646b112b74029a053da8c2b54cae7846e74f3dc87794.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7c2823208e4168f4f71b95278f832ab768e6436f
--- /dev/null
+++ b/chunks/txt/3af17fb193fb9e340e68646b112b74029a053da8c2b54cae7846e74f3dc87794.txt
@@ -0,0 +1,51 @@
+Settlement Agent
+
+If any data is present in the Seller DOCUMENT container, it will be checked for validity against the MISMO v3.3.0
+schema along with the entire XML document. The Closing Disclosure PDF file is not required.
+
+b. FOR MORE I NFORMATION
+
+Reg §1026.19(f)(4) pp. 80328, 79889-91.
+
+Reg §1026.38(j)-1 pp. 80021, 80356.
+
+Reg §1026. 38(t)(5)(v-vii) pp. 80129, 80055-6.
+
+Sample Form: H-25-I pp. 80202-80204.
+
+GSE Seller Data Requirements:
+
+http://www.freddiemac.com/singlefamily/news/2018/0626_gse_ucd_requirements.html
+
+C. ALTERNATE FORM
+
+The term Alternate Form is used to refer to H–25(E) Mortgage Loan Transaction Closing Disclosure—Refinance
+Transaction Sample in the Regulation. Exhibit H-25(E) illustrates all possible sections of the form. In UCD, the
+Alternate Form must always be used for Non-Seller transactions.
+
+On the Alternate Form, 6.2.2 Non-Seller Transaction is added to the disclosure of 6.2 Cash to Close in 6.0 Costs
+at Closing to indicate whether the amount is due to or from the borrower. 11.0 – 16.0 Summaries of
+Transactions are not required, and instead, 25.0 Payoffs and Payments must be included. The 10.A Alternative
+Calculating Cash To Close Table replaces the lengthier Cash to Close Table (10.0).
+
+1. FOR MORE I NFORMATI ON
+
+Reg §1026.38(t)(5)(vii) p. 80129-30.
+
+Sample Form: H-25(J), pp.80205-17.
+
+Appendix E: UCD Implementation Guide
+
+Page 18 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+IV. UCD Data Point Categories
+
+IV. UCD DATA POINT CATEGORIES
+
+There are three categories of data points in UCD:
+
+A. Closing Disclosure Data Points support each form field on the Closing Disclosure
diff --git a/chunks/txt/3af364c0998efc8ef2deffa441ffca2106dda2395ddc6438d421301fbbafea2f.txt b/chunks/txt/3af364c0998efc8ef2deffa441ffca2106dda2395ddc6438d421301fbbafea2f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7faf1fc44365a732cd8e6013b0130860c7606266
--- /dev/null
+++ b/chunks/txt/3af364c0998efc8ef2deffa441ffca2106dda2395ddc6438d421301fbbafea2f.txt
@@ -0,0 +1,47 @@
+Examples of all supported values for an enumerated data point. A small representative sample of values for
+enumerated data points is provided to illustrate how a container repeats.
+
+Examples of every possible use case. The most common business scenarios for the data are discussed in the
+chapter; edge cases are not described.
+
+4. UCD XML FILE SNIPPETS
+
+An illustration of the data presented in both the CD data rendering (if applicable) and UCD v2.0 excerpt as it should appear
+in a well-formed XML file closes each chapter. The sample values are in green bold text. The XML file snippets do not represent
+the full XPath to the subject data points. Each snippet starts and ends with MESSAGE. The “…” are used to indicate missing
+segments of the XPath:
+
+
+…
+
+Applicable snippet
+
+…
+
+
+If the full expression of a container or data point value exceeds one line, the line will break immediately after the delivered
+value closing bracket, for example, “>value<”. The next character “/” begins the second line.
+
+UCD v2.0 Implementation Guide
+
+- 7 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+II. I-Guide Format
+
+Five complete UCD v2.0 test suites comprising a narrative scenario, completed CD and supporting XML instance are
+
+available from each GSE’s UCD webpage.
+
+C. DOCUMENTATION CONVENTIONS
+
+The following typefaces and colors are used throughout this document:
+
+1. Document titles are represented in italics, for example: I-Guide, UCD v2.0.
+
+2. I-Guide section and chapter names and table and figure headings are represented between double quotation marks: “UCD
+
+Data Point Categories”.
diff --git a/chunks/txt/3af447bbd09fd43ba9dcaad78c654925370b945321e454fb91145a6e8c99410e.txt b/chunks/txt/3af447bbd09fd43ba9dcaad78c654925370b945321e454fb91145a6e8c99410e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7a98254ffd55a0965bb47fb992a79cdb557365ee
--- /dev/null
+++ b/chunks/txt/3af447bbd09fd43ba9dcaad78c654925370b945321e454fb91145a6e8c99410e.txt
@@ -0,0 +1,129 @@
+0 Sq. Ft.
+0 Sq. Ft.
+704 Sq. Ft.
+0 Sq. Ft.
+Assessor Record
+MLS
+Physical Measurement
+
+Yes
+Assessor Record
+Yes
+Exterior Access Only
+No
+
+Yes No
+
+
+Grade Level Detail
+Partially Below Grade
+Exterior Access Only
+Walk Out
+
+Finish
+Finished
+
+Area
+704 Sq. Ft.
+
+Room Summary
+1 - Bath - Full
+1 - Bedroom
+1 - Kitchen
+1 - Living Room
+
+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 B1
+
+Bath - Full
+Level B1
+
+Update Status
+Fully Updated
+
+Time Frame
+5-10 years
+
+Fully Updated
+
+5-10 years
+
+Overall Update Status for
+Bathrooms
+
+Fully Updated
+
+Quality Comment
+Standard builder grade
+cabinets, materials, and
+appliances
+
+Standard builder grade
+cabinets, materials, and
+appliances
+
+Condition Status
+Typical Wear and Tear
+
+Condition Comment
+No damage or condition
+issues noted.
+
+Typical Wear and Tear
+
+No damage or condition
+issues noted.
+
+Appraisal Version #1Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123
+
+Uniform Residential Appraisal Report
+
+Page 10 of 22
+Page 10 of 22
+
+Unit Interior - ADU (continued)
+
+Interior Features
+
+Feature
+Flooring
+
+Detail
+Ceramic Tile
+
+Laminate
+
+Walls and Ceiling
+
+8 Ft. | Flat
+
+Overall Update Status for
+Flooring
+
+Fully Updated
+
+Quality Comment
+Standard grade - meets
+market expectations for this
+type of unit.
+
+Standard grade - meets
+market expectations for this
+type of unit.
+
+Standard grade - meets
+market expectations for this
+type of unit.
diff --git a/chunks/txt/3af5168f2496c570839244a79c58a476c68caec404dc386cc6a6e1ddbda012c2.txt b/chunks/txt/3af5168f2496c570839244a79c58a476c68caec404dc386cc6a6e1ddbda012c2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5ec83379d1eae27629df48f5bfa2ebb4e14cddd8
--- /dev/null
+++ b/chunks/txt/3af5168f2496c570839244a79c58a476c68caec404dc386cc6a6e1ddbda012c2.txt
@@ -0,0 +1,45 @@
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 333
+
+Replacement or Reproduction Cost for Each Outbuilding
+
+Information displays for each outbuilding:
+
+• Area Type - ReplacementOrReproductionCostAreaType (UID: 1100.0060, FID: 25.024) - this indicates the area to reproduce or replace.
+
+The selection made from the enumerated list will become the row header.
+
+o Each area indicated displays on a separate row.
+
+o
+
+If multiple areas, display the area with the highest dollar amount first.
+
+Note: While not an enumerated value, display Garage as an option for Area Type. In the XML the
+
+ReplacementOrReproductionCostAreaType = “Other” and
+ReplacementOrReproductionCostAreaTypeOtherDescription = “Garage”.
+
+• Area Size - ReplacementOrReproductionCostAreaMeasure (UID: 1100.0057, FID: 25.025) is required for each area type and displays in
+
+the center column before “@”.
+
+o This value must include the unit of measure (Sq. Ft.) – UnitOfMeasureType
+
+• Replacement or Reproduction Cost per Unit of Measure - PricePerAreaAmount (UID: 1100.0058, FID: 25.026) is after “@” and indicates
+
+the cost per square foot.
+
+• Area Type Cost - ReplacementOrReproductionCostAmount (UID: 1100.0059, FID: 25.027) is the total cost for the line item.
+
+o Calculated: Area Size - ReplacementOrReproductionCostAreaMeasure (UID: 1100.0057, FID: 25.025) multiplied by
+Replacement or Reproduction Cost per Unit of Measure - PricePerAreaAmount (UID: 1100.0058, FID: 25.026)
+
+Depreciated Cost – Outbuilding
+
+• The itemized depreciation (6 data points) or the total depreciation is required for each dwelling:
+
+o
+
+Itemized depreciation (percent and dollar amount)
diff --git a/chunks/txt/3af7040b86b9e559c1f1b6a7243c68d178875ca37fa61c20386c7b5813ee54f3.txt b/chunks/txt/3af7040b86b9e559c1f1b6a7243c68d178875ca37fa61c20386c7b5813ee54f3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..af1c882b2bc7fc2c26452c0b7d2b985cfdf7dbbd
--- /dev/null
+++ b/chunks/txt/3af7040b86b9e559c1f1b6a7243c68d178875ca37fa61c20386c7b5813ee54f3.txt
@@ -0,0 +1,161 @@
+CR
+
+CR
+
+R
+
+CR
+
+CR
+
+CR
+
+R
+
+Form FNM 2055 FRE 2055
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 194 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
+
+293
+
+2
+
+e-15
+
+SALES
+COMPARISON
+APPROACH
+
+Location
+
+(Location Type)
+
+GSE Location Type
+
+The type of location influences associated
+with the property.
+
+294
+
+2
+
+e-16
+
+SALES
+COMPARISON
+APPROACH
+
+Location
+
+(Location Type Other
+Description)
+
+GSE Location Type
+Other Description
+
+Text entry when 'Other' is selected as
+Location Type.
+
+295
+
+296
+
+297
+
+2
+
+2
+
+2
+
+59
+
+60
+
+61
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+Location Adjustment
+
+Sale Price
+Adjustment Amount
+
+Leasehold/Fee Simple
+
+Sale Price
+Adjustment
+Description
+
+Leasehold/Fee Simple
+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.
+
+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/3b0287b7e53499fcf6854a4136115b465844d54205ee930203e1ca47888328cb.txt b/chunks/txt/3b0287b7e53499fcf6854a4136115b465844d54205ee930203e1ca47888328cb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4fe4b24ded9ad7cea688ec40acb8a6ac09832c9d
--- /dev/null
+++ b/chunks/txt/3b0287b7e53499fcf6854a4136115b465844d54205ee930203e1ca47888328cb.txt
@@ -0,0 +1,115 @@
+Level 1 - Kitchen
+
+Level 1 - Mudroom
+
+This is where the Kitchen photo would display.
+
+This is where the Mudroom photo would display.
+
+Level 1 - Office
+
+This is where the Office photo would display.
+
+Functional Obsolescence
+
+Functional Issues
+
+None
+
+Vehicle Storage
+
+Storage
+Driveway
+
+Garage
+
+Number of Parking Spaces
+4
+
+3
+
+Detail
+Asphalt
+
+Attached
+626 Sq. Ft.
+
+Apparent Defects, Damages, Deficiencies (Vehicle Storage)
+
+None
+
+Appraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)
+
+Uniform Residential Appraisal Report
+
+Page 10 of 24
+Page 10 of 24
+
+Subject Property Amenities
+
+Amenity Category
+Outdoor Living
+
+Subject Property Amenity
+Patio
+
+Whole Home
+
+Porch
+
+Indoor Fireplace
+
+Material
+Concrete
+
+Composite
+
+Detail
+120 Sq. Ft.
+
+92 Sq. Ft.
+
+Total Number - 2
+
+Apparent Defects, Damages, Deficiencies (Subject Property Amenities)
+
+None
+
+Subject Property Amenities Commentary
+
+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.
+
+Subject Property Amenities Exhibits
+
+Indoor Fireplace - Living Room Fireplace
+
+Indoor Fireplace - Bedroom Fireplace
+
+This is where the Indoor Fireplace 1 photo would display.
+
+This is where the Indoor Fireplace 2 photo would display.
+
+Patio
+
+Porch
+
+This is where the Patio photo would display.
+
+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
diff --git a/chunks/txt/3b0db4a7ae1e340ad660cd7ec7cf31e59ddc71ba543bd627e41a26095d9a6c64.txt b/chunks/txt/3b0db4a7ae1e340ad660cd7ec7cf31e59ddc71ba543bd627e41a26095d9a6c64.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f9d045bc39c5882a26f539ad7340185aff7abde4
--- /dev/null
+++ b/chunks/txt/3b0db4a7ae1e340ad660cd7ec7cf31e59ddc71ba543bd627e41a26095d9a6c64.txt
@@ -0,0 +1,107 @@
+Property Has Private Access Rights to the Body of Water: Indicates whether the
+property has private access to the associated body of water.
+
+This represents private access from the property only, either through a
+community buffer or exclusive to the property. Do not select Yes to report on
+public, community, or project waterfront access and amenities.
+
+For All Private Water Frontage on the Property
+
+This subsection includes information about all private water frontage on the property.
+
+Report
+Field ID
+
+4.031
+
+Site: Information for all Private Water Frontage on the Property
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Total Linear
+Measurement
+
+Required if Property
+Has Private Access
+Rights to the Body of
+Water is Yes for one or
+more bodies of water
+
+Number of feet or
+meters
+
+Water Frontage Total Length: The approximate total linear measurement of all
+waterfront with private access, measured in front footage.
+
+Appendix F-1: URAR Reference Guide
+
+Page 65 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+04 Site
+
+Site: Information for all Private Water Frontage on the Property
+
+Report
+Field ID
+
+4.032
+
+Report Label
+
+When to Include
+
+Permanent
+Waterfront
+Feature
+
+Required if Property
+Has Private Access
+Rights to the Body of
+Water is Yes for one or
+more bodies of water
+
+Allowable
+Answers / Format
+
+Choose one or
+more allowable
+answers from
+table (Permanent
+Waterfront
+Feature)
+
+Definition / Additional Guidance
+
+A permanent feature in or alongside a body of water.
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+
+None
+Beach
+Boat Lift
+Boat Ramp
+Boat Slip
+Dock
+Pier
+Riprap
+Seawall or Bulkhead
+Other (Describe)
diff --git a/chunks/txt/3b17d17614b382b8598cc5c804a63858e4468d64280b2050fd0136fcf9aaca72.txt b/chunks/txt/3b17d17614b382b8598cc5c804a63858e4468d64280b2050fd0136fcf9aaca72.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d59c78ee548bd33c5529d762c878b65c1b93f6bf
--- /dev/null
+++ b/chunks/txt/3b17d17614b382b8598cc5c804a63858e4468d64280b2050fd0136fcf9aaca72.txt
@@ -0,0 +1,72 @@
+Enumerated List
+
+The set of valid values for any data point ending in the word “Type.”
+
+Enumeration
+
+GSE
+
+A single valid value for any data point ending in the word “Type.” Can also
+be called an enumerated value, or a valid value.
+
+A Government-Sponsored Enterprise, implying either Freddie Mac or Fannie
+Mae.
+
+GSE-specific
+Implementation Guide
+for Loan Delivery Data
+
+Information about each GSE’s business policies, processes, or delivery data
+requirements specific to the GSE’s loan delivery application, and the GSE’s
+specific usage of the ULDDS, including GSE-specific conditionality,
+cardinality, and valid values.
+
+GSE loan delivery
+applications
+
+Loan Delivery Dataset
+
+Fannie Mae’s Loan Delivery application and Freddie Mac’s selling system.
+
+The data specification portion of the ULDDS documented in Appendix A-
+XML Data Requirements.
+
+MISMO Engineering
+Guidelines (MEG)
+
+Technical specifications for the proper use of the MISMO standard published
+on MISMO’s Web site.
+
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 66 of 76
+
+Section VII. Glossary
+
+Term
+
+Definition
+
+MISMO Logical Data
+Dictionary
+
+A list of all the elements included in the V3.0 Reference Model, including
+their definitions, and context.
+
+MISMO Version 3.0
+Reference Model
+
+MISMO Version 3.0
+schema
+
+Parent Container
+
+Reusables
+
+An XML schema document of data used in the single family real estate
+finance industry. The V3.0 Reference Model establishes relationships
+among data across the mortgage life cycle.
+
+The XML document representing the V3.0 Reference Model.
diff --git a/chunks/txt/3b21d6bbe63da05a717a07e7882218fc7d7ff550de811dc2cddfb54c4135aa76.txt b/chunks/txt/3b21d6bbe63da05a717a07e7882218fc7d7ff550de811dc2cddfb54c4135aa76.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ab4a5df533263af6ea1a3d8b2ebb524a0fb8f2dc
--- /dev/null
+++ b/chunks/txt/3b21d6bbe63da05a717a07e7882218fc7d7ff550de811dc2cddfb54c4135aa76.txt
@@ -0,0 +1,157 @@
+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
+
+Public Street
+Local Road | Asphalt
+Yes
+
+Site Influence
+
+Influence
+Residential
+
+Proximity
+Bordering
+
+Detail
+
+Impact
+Neutral
+
+Comment
+Typical residential
+subdivision
+
+View and Impact to Value/Marketability
+
+View
+Residential
+
+Range of View
+Full
+
+Impact
+Neutral
+
+Site Features and Impact to Value/Marketability
+
+Feature
+Hazard Zone
+
+Site Characteristic
+
+Detail
+No Hazard Zone Noted
+
+Topography | Rolling
+
+Utilities and Impact to Value/Marketability
+
+Broadband Internet Available
+
+Yes
+
+Impact
+
+Comment
+
+Adverse
+
+Steep grade is less marketable.
+
+Private
+
+Detail
+
+Private Utility
+Impact
+
+Comment
+
+Electricity
+
+Gas
+
+Sanitary Sewer
+
+Water
+
+Public
+
+
+
+
+
+If more
+
+than 1
+
+Unit--
+
+different
+
+set up
+
+Apparent Defects, Damages, Deficiencies (Site)
+
+None
+
+Site Exhibits
+
+Property Access (Street Scene)
+
+This is where the Property Access photo would display.
+
+Appraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 4 of 21
+
+Energy Efficient and Green Features
+
+Known Renewable Energy Components
+Known Building Certifications
diff --git a/chunks/txt/3b242c0a006b500d659244a8d3fa3353704189e67948fd6e917ac1ebdae29018.txt b/chunks/txt/3b242c0a006b500d659244a8d3fa3353704189e67948fd6e917ac1ebdae29018.txt
new file mode 100644
index 0000000000000000000000000000000000000000..666f72e86a33a7e82a66dee2581c2f9c2f425535
--- /dev/null
+++ b/chunks/txt/3b242c0a006b500d659244a8d3fa3353704189e67948fd6e917ac1ebdae29018.txt
@@ -0,0 +1,139 @@
+Subject Property
+•
+
+Number of ADUs
+on Subject
+Property
+
+Sales Comparable Data
+Source is only applicable
+to comparables
+
+No
+
+No
+
+No
+
+No
+
+Property Photo
+Photo of the property, typically the front.
+Note: Sales comparable photos are required and redisplay in Sales
+Comparison Approach Exhibits with the Comparable #.
+
+Number of ADUs on 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).
+
+Assessor Record
+Builder or Developer
+Condominium Questionnaire
+Cooperative Board
+Cooperative Questionnaire
+Data Aggregator
+Exterior Inspection
+Homeowners Association
+Interior Inspection
+Land Survey
+
+Sales Comparable Data Source
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+• MLS
+•
+•
+•
+•
+•
+
+Previous Appraisal File
+Property Management Company
+Property Owner
+Real Estate Agent
+Other (Describe)
+
+Appendix F-1: URAR Reference Guide
+
+Page 220 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
+
+22.01.18 Data Source
+
+Always
+
+Required when Sales
+Comparable Data
+Source is MLS, or if
+applicable for other
+data sources
+
+Free-form
+
+Data Source Identifier is
+only applicable to
+comparables
+
+22.01.19
+
+Proximity to
+Subject
+
+Always
+
+Always required
+
+22.01.19
+
+Proximity to
+Subject
+
+Always
+
+Required if Proximity
+to Subject is not 0
+
+Number of miles
+or kilometers
diff --git a/chunks/txt/3b2fd056c96748f21bb87dd0e15c19d4749b15650042ae11b7cb479e6fe3b87c.txt b/chunks/txt/3b2fd056c96748f21bb87dd0e15c19d4749b15650042ae11b7cb479e6fe3b87c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1cf090b782955fd29034df21a78f7ec4dc97bbaa
--- /dev/null
+++ b/chunks/txt/3b2fd056c96748f21bb87dd0e15c19d4749b15650042ae11b7cb479e6fe3b87c.txt
@@ -0,0 +1,279 @@
+This field may not exist in all forms vendor
+software.
+
+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
+
+448
+
+449
+
+450
+
+451
+
+452
+
+453
+
+454
+
+455
+
+456
+
+457
+
+458
+
+459
+
+460
+
+461
+
+462
+
+463
+
+464
+
+465
+
+4
+
+5
+
+5
+
+5
+
+5
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+5
+
+6
+
+7
+
+8a
+
+8b
+
+8c
+
+9
+
+10
+
+11
+
+4a
+
+HEADER
+
+BLANK
+
+2
+
+3
+
+4
+
+HEADER
+
+BLANK
+
+HEADER
+
+File #
+
+HEADER
+
+BLANK
+
+4a
+
+HEADER
+
+BLANK
+
+2
+
+3
+
+4
+
+HEADER
+
+BLANK
+
+HEADER
+
+File #
+
+HEADER
+
+BLANK
+
+4a
+
+HEADER
+
+BLANK
+
+APPRAISER
+CERTIFICATION
+APPRAISER
+CERTIFICATION
+
+Appraiser
+Name
+Appraiser
+Company Name
+
+Appraiser
+Additional File
+Identifier
+
+Report Title
+Description
+
+Appraiser File
+Identifier
+
+Appraiser
+Additional File
+Identifier Name
+
+Appraiser
+Additional File
+Identifier
+
+Report Title
+Description
+
+Appraiser File
+Identifier
+
+Appraiser
+Additional File
+Identifier Name
+
+Appraiser
+Additional File
+Identifier
+
+Appraiser Name
+
+Appraiser Company
+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.
+Used to indicate by name the type of
+identifier represented by
+AppraisersAdditionalFileIdentifier.
+
+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.
+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.
diff --git a/chunks/txt/3b5144582393d141e9b68847f6dea576560b5bab265bf3aec6e1528709d344a9.txt b/chunks/txt/3b5144582393d141e9b68847f6dea576560b5bab265bf3aec6e1528709d344a9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..901ab0fc49168ada8913be9e8df40bd9ef3684c1
--- /dev/null
+++ b/chunks/txt/3b5144582393d141e9b68847f6dea576560b5bab265bf3aec6e1528709d344a9.txt
@@ -0,0 +1,119 @@
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='
+WoodStove']/@_Count
+
+UNIT
+IMPROVEMENTS
+
+Amenities
+Deck/Patio
+
+Amenity Exists
+Indicator
+
+Indicates that the amenity specified by
+Amenity Type is present in the structure.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='
+Deck']/@_ExistsIndicator
+
+UNIT
+IMPROVEMENTS
+
+Amenities
+Deck/Patio Description
+
+UNIT
+IMPROVEMENTS
+
+Amenities
+Porch/Balcony
+
+UNIT
+IMPROVEMENTS
+
+Amenities
+Porch/Balcony Description
+
+Amenity Detailed
+Description
+
+Amenity Exists
+Indicator
+
+Amenity Detailed
+Description
+
+A free-form text field used to describe, in
+detail, the amenity specified by Amenity
+Type.
+Indicates that the amenity specified by
+Amenity Type is present in the structure.
+A free-form text field used to describe, in
+detail, the amenity specified by Amenity
+Type.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='
+Deck']/@_DetailedDescription
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='P
+orch']/@_ExistsIndicator
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='P
+orch']/@_DetailedDescription
+
+UNIT
+IMPROVEMENTS
+
+Amenities
+Other
+
+Amenity Exists
+Indicator
+
+Indicates that the amenity specified by
+Amenity Type is present in the structure.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='
+Other']/@_ExistsIndicator
+
+UNIT
+IMPROVEMENTS
+
+Amenities
+Other Description
+
+Amenity Type Other
+Description
+
+UNIT
+IMPROVEMENTS
+
+Applicances
+Refrigerator
+
+UNIT
+IMPROVEMENTS
+
+Applicances
+Range/Oven
+
+UNIT
+IMPROVEMENTS
+
+Applicances
+Disp
+
+UNIT
+IMPROVEMENTS
+
+Applicances
+Microwave
+
+UNIT
+IMPROVEMENTS
+
+Applicances
+Dishwasher
+
+UNIT
+IMPROVEMENTS
diff --git a/chunks/txt/3b5d3009d6a2f59d2bf2b90c9f624ba5c7499515663a234e2e9f5bf82e9136c9.txt b/chunks/txt/3b5d3009d6a2f59d2bf2b90c9f624ba5c7499515663a234e2e9f5bf82e9136c9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..94b3b9f167519fceae29119f8051e7ce168d979c
--- /dev/null
+++ b/chunks/txt/3b5d3009d6a2f59d2bf2b90c9f624ba5c7499515663a234e2e9f5bf82e9136c9.txt
@@ -0,0 +1,32 @@
+subject to the itemized list of required inspections below based on the extraordinary assumption that the condition or deficiency does not require
+alteration or repair
+subject to the itemized list of repairs recommended below on the basis of a hypothetical condition that the repairs or alterations have been
+completed in a professional manner
+
+Subject to Completion Per Plans/Inspection/Repair
+
+When PropertyValuationConditionalConclusionType (UID: 1300.0010, FID: 26.009) = "SubjectToCompletionPerPlans" OR
+"SubjectToInspection" OR "SubjectToRepair":
+
+1. The statement begins with the text, “This appraisal is made”
+2. Followed by “Display Text” for the corresponding market value condition.
+
+a. If there are multiple market value conditions, each “Display Text” is separated by “, and”
+
+3. End the sentence with a period.
+4. Add a final sentence, “This might have affected the assignment results.”
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Examples
+
+Example of a singular market value: Subject to Completion Per Plans
+
+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.
+
+Example of two market values: Subject to Completion Per Plans and Subject to Repair
+
+This appraisal is made subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have
+been completed, and subject to the itemized list of repairs recommended 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.
diff --git a/chunks/txt/3b5e9bc7d51235db7813dd0b6b70e7a77cff93c726fe6eb04f251daa3a623ec3.txt b/chunks/txt/3b5e9bc7d51235db7813dd0b6b70e7a77cff93c726fe6eb04f251daa3a623ec3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f79c501ebad13498d00ea56b4fe51e7352ebe38c
--- /dev/null
+++ b/chunks/txt/3b5e9bc7d51235db7813dd0b6b70e7a77cff93c726fe6eb04f251daa3a623ec3.txt
@@ -0,0 +1,75 @@
+/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U
+NIT_CHARGE[@_PeriodType='Monthly']/@_Amount
+/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/U
+NIT_CHARGE[@_PeriodType='Annually']/@_Amount
+
+/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']
+
+10
+
+10
+
+10
+
+1
+
+1
+
+Money
+
+Money
+
+Money
+
+Boolean
+
+Boolean
+
+If none, enter zero (0).
+
+If none, enter zero (0).
+
+If none, enter zero (0).
+
+If field 2-20 (Project Analysis
+Additional Facilities Fee Indicator =
+'Y') is indicated a description should be
+populated.
+
+One and only one of fields 2-23, 2-24,
+2-25 (values of Project Analysis
+Competitive Project Comparison Type)
+should be indicated.
+
+One and only one of fields 2-23, 2-24,
+2-25 (values of Project Analysis
+Competitive Project Comparison Type)
+should be indicated.
+
+One and only one of fields 2-23, 2-24,
+2-25 (values of Project Analysis
+Competitive Project Comparison Type)
+should be indicated.
+
+If field 2-23 (Project Analysis
+Competitive Project Comparison Type
+= 'High') or field 2-25 (Project Analysis
+Competitive Project Comparison Type
+= 'Low') is indicated this field should be
+populated.
diff --git a/chunks/txt/3b6bddc4fd5d3b06cac3d5b6f858c5b4da7d9119f5506df56feac182d133a953.txt b/chunks/txt/3b6bddc4fd5d3b06cac3d5b6f858c5b4da7d9119f5506df56feac182d133a953.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d2f02adba51230b9e8fee48ff45a16588d4c5dbd
--- /dev/null
+++ b/chunks/txt/3b6bddc4fd5d3b06cac3d5b6f858c5b4da7d9119f5506df56feac182d133a953.txt
@@ -0,0 +1,109 @@
+Appraiser Reference ID AA12346Client Reference ID D-124394AMC Reference ID A-1434525Completion Version #1Fannie Mae | Freddie Mac September 2024Completion Report Scenario – Per Plans and Specs (CR2)
+
+Completion Report
+
+Completion Report Exhibits (continued)
+
+Barn Floorplan
+
+Page 2 of 3
+Page 2 of 3
+
+Assignment Information
+
+Borrower Name
+
+Contact Information
+
+Client/Lender
+
+Company Name
+Company Address
+
+Appraisal Management Company
+
+Company Name
+
+Company Address
+
+Appraiser
+
+Name
+Company Name
+Company Address
+
+Bob Buyer
+Betty Buyer
+
+Empty Bank
+200 Tree St
+Somewhere, VA 12346
+
+IDK Appraisal Management
+Company
+300 Main Ave
+Somewhere, VA 12345
+
+Agatha Appraiser
+WAS Appraisal
+123 Main St
+Nowhere, VA 12345
+
+Scope of Inspection by Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date
+
+Physical
+Physical
+11/30/2019
+
+Credentials
+
+ID
+State
+Expires
+
+Credentials
+
+Level
+ID
+State
+Expires
+
+XYZ352032
+VA
+12/31/2021
+
+Certified Residential
+XYZ12345
+VA
+12/31/2019
+
+Appraiser Reference ID AA12346Client Reference ID D-124394AMC Reference ID A-1434525Completion Version #1Fannie Mae | Freddie Mac September 2024Completion Report Scenario – Per Plans and Specs (CR2)
+
+Completion Report
+
+Intended Use
+
+Page 3 of 3
+Page 3 of 3
+
+The intended use of this certification of completion is for the lender/client to confirm that the requirements or conditions stated in the
+appraisal report referenced above have been met.
+
+Intended User
+
+The intended user of this appraisal report is the lender/client.
+
+Certifications
+
+Appraiser Certifications
+
+The Appraiser certifies and agrees that:
+
+1. I have no present or prospective interest in the subject property, 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/3b6cf5e1af974fc3814e8946a6031fd5ba1b65ac78eee2299445adc0052ff6db.txt b/chunks/txt/3b6cf5e1af974fc3814e8946a6031fd5ba1b65ac78eee2299445adc0052ff6db.txt
new file mode 100644
index 0000000000000000000000000000000000000000..83130af291245d096c9ce73cc386e33efeb812a1
--- /dev/null
+++ b/chunks/txt/3b6cf5e1af974fc3814e8946a6031fd5ba1b65ac78eee2299445adc0052ff6db.txt
@@ -0,0 +1,5 @@
+## 3. Website Measurement and Customization Technologies (e. g. Cookies) Policy****
+
+FHFA uses web measurement and customization technologies, commonly known as “cookies,” to collect information about user visits to our site. Use of these technologies makes our website function better for you and allows us to better understand how the public is using the website. Cookies are files placed on your hard drive by a website that allows the website to monitor your use of that site, usually without your express knowledge. Some cookies collect personal information to recognize your computer in the future. We **do not** use these types of cookies on our website. Instead, we use non-persistent cookies or “per-session cookies,” which are also known as “Tier 1 web measurement and customization technologies.” These types of “cookies” do not collect personal information on users and they are not stored on your computer's hard drive. These types of “cookies” are stored only in your computer's memory during an active browser session. They are deleted or erased as soon as you close your browser after visiting our website.
+
+FHFA uses a third-party analytics provider (currently Google Analytics) to analyze the data collected through the non-persistent cookies or per-session cookies. Google Analytics does not receive personally identifiable information through these cookies and does not combine, match, or cross-reference fhfa.gov information with any other information. The data is automatically sent from a cookie on your machine or device to Google Analytics’ system, which immediately aggregates that data. The cookie and any data related to a particular visit to our website are deleted from your computer immediately after you close your browser. FHFA uses the aggregated data for internal purposes and discloses it to FHFA employees and contractors who have a “need-to-know” this information in the performance of their official duties.
diff --git a/chunks/txt/3b717a9adf2910c5d735c79591dadd74f34c9e33af8af74856a21c733ec2010b.txt b/chunks/txt/3b717a9adf2910c5d735c79591dadd74f34c9e33af8af74856a21c733ec2010b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e3402a87c041f346aeac81d191d8ae61648e8e96
--- /dev/null
+++ b/chunks/txt/3b717a9adf2910c5d735c79591dadd74f34c9e33af8af74856a21c733ec2010b.txt
@@ -0,0 +1,43 @@
+29.013
+
+*Adjustments to the comparables must be made for special or creative financing or sales concessions. No adjustments are necessary for costs that are
+normally paid by sellers as a result of tradition or law in a market area; these costs are readily identifiable because 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
+
+29.014
+
+The appraiser assumes that the title is good and marketable unless he or she becomes aware of information to the contrary.
+
+29.015
+
+If the appraiser has included a sketch or floor plan in this appraisal report, it shows the approximate dimensions and is included only to assist
+the reader in visualizing the property and understanding the appraiser’s determination of its size.
+
+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
diff --git a/chunks/txt/3b769f588cf879fc11329d4abd3a8f9b10816e82d7afbef93a49a9c457ba332d.txt b/chunks/txt/3b769f588cf879fc11329d4abd3a8f9b10816e82d7afbef93a49a9c457ba332d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f1a91d824d08ed6ddbe722bd1ce53ec60155d6f8
--- /dev/null
+++ b/chunks/txt/3b769f588cf879fc11329d4abd3a8f9b10816e82d7afbef93a49a9c457ba332d.txt
@@ -0,0 +1,147 @@
+When the property is in a project
+(condominium, condop, cooperative) or in a
+PUD
+
+When there is an active sales contract
+
+When applicable
+Note: Although the majority of appraisals
+include the Sales Comparison Approach,
+there are cases where this section would not
+be included.
+
+When applicable
+
+When applicable
+
+When applicable
+
+When applicable
+
+When applicable
+
+10
+
+Unit Interior
+
+11
+
+12
+
+13
+
+14
+
+15
+
+16
+
+17
+
+Functional
+Obsolescence
+
+Outbuilding
+
+Vehicle Storage
+
+Subject Property
+Amenities
+Overall Quality and
+Condition
+
+Highest and Best Use
+
+Market
+
+18
+
+Project Information
+
+19
+
+20
+
+21
+
+22
+
+23
+
+24
+
+25
+
+26
+
+27
+
+28
+
+29
+
+Subject Listing
+Information
+
+Sales Contract
+
+Prior Sale and Transfer
+History
+
+Sales Comparison
+Approach
+
+Rental Information
+
+Income Approach
+
+Cost Approach
+
+Reconciliation
+
+Revision History
+
+Supplemental
+Information
+Certifications and Scope
+of Work, which includes
+the Certifications black
+tab
+
+Table Column Headings
+
+√
+
+√
+
+√
+
+√
+
+√
+
+√
+
+√
+
+√
+
+√
+
+√
+
+√
+
+In this document, tables are used to define the fields in the URAR. Column headings are as follows:
+• Report Field ID: A red number identifying the specific location of the field on the URAR.
+• Report Label: The name of the field as shown on the URAR.
+• When to Include: The conditionality for when the information is required, expressed in business terms.
+o Examples: Always required, Required if there is more than one unit, If relevant, If applicable, If
+
+available
+
+o Note: When information is required is not always the same as when it displays.
+
+• Allowable Answers / Format
+
+o Examples: Yes | No, Free-form, Number, Choose allowable answer(s) from a list or table
diff --git a/chunks/txt/3b83581bd5022de96e54d0b869243b12f0ec124e88b858ba4a8df71af5490f77.txt b/chunks/txt/3b83581bd5022de96e54d0b869243b12f0ec124e88b858ba4a8df71af5490f77.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c42007c093c2d5e48da0ca27c9aea2ff55980f7c
--- /dev/null
+++ b/chunks/txt/3b83581bd5022de96e54d0b869243b12f0ec124e88b858ba4a8df71af5490f77.txt
@@ -0,0 +1,13 @@
+The Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF) is the nation’s first publicly available appraisal-level dataset of appraisal records, giving the public new access to a selected set of data fields found in appraisal reports. The UAD Appraisal-Level PUF are provided separately for the Enterprises (Fannie Mae and Freddie Mac) and Federal Housing Administration (FHA) appraisals:
+
+- 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.
+- The FHA UAD Appraisal-Level PUF is based on a five percent nationally representative random sample of appraisals for single-family mortgages insured by FHA. The current release includes appraisals from 2017 through 2022.
+The UAD Appraisal-Level PUF is a resource for users capable of using statistical software to extract and analyze data. Users can download annual or combined files in CSV, R, SAS and Stata formats. All files are zipped for ease with download.
+
+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 Data 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)
diff --git a/chunks/txt/3b865580d176717c04a746718a97bd07194bbbf05c082cabd4ae97898413d5ec.txt b/chunks/txt/3b865580d176717c04a746718a97bd07194bbbf05c082cabd4ae97898413d5ec.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2ecaeb21fbaf39c6046fbb0f3546476303fa3bd4
--- /dev/null
+++ b/chunks/txt/3b865580d176717c04a746718a97bd07194bbbf05c082cabd4ae97898413d5ec.txt
@@ -0,0 +1,124 @@
+Trainee Appraiser
+1111TRHI
+HI
+12/31/2021
+
+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 20242- to 4-unit Scenario
+
+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
diff --git a/chunks/txt/3b8e6a6165a8fcd215f9a23ca5f6af0a543dc68bc3c66bfdf2ea22b4ce0af2ca.txt b/chunks/txt/3b8e6a6165a8fcd215f9a23ca5f6af0a543dc68bc3c66bfdf2ea22b4ce0af2ca.txt
new file mode 100644
index 0000000000000000000000000000000000000000..35b766ae7a500b270044bdf65af5de80322a689c
--- /dev/null
+++ b/chunks/txt/3b8e6a6165a8fcd215f9a23ca5f6af0a543dc68bc3c66bfdf2ea22b4ce0af2ca.txt
@@ -0,0 +1,76 @@
+AcqTyp
+Aff1
+Aff2
+Aff3
+Aff4
+Bed1
+Bed2
+Bed3
+Bed4
+CICA
+Coop
+FeatureID
+FedInsbltyPlan
+Geog
+GSEREO
+IncRat
+Rent1
+Rent2
+Rent3
+
+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
+
+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/3b9044136a913cd37977b7dd1915ea07605b7f350fc41f70e43a1f3e16c6b0fe.txt b/chunks/txt/3b9044136a913cd37977b7dd1915ea07605b7f350fc41f70e43a1f3e16c6b0fe.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d3653c6bc4eede9fabb3e3f944bf7960940da627
--- /dev/null
+++ b/chunks/txt/3b9044136a913cd37977b7dd1915ea07605b7f350fc41f70e43a1f3e16c6b0fe.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\/34906","currentPathIsAdmin":false,"isFront":false,"currentLanguage":"en","currentQuery":{"category":{"941":"941"}}},"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":{"\/research":true,"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/3ba0d9c0ec8fa160a6dadc56fc25232cfa5da0778000fed3af9e7a6a2cabf96e.txt b/chunks/txt/3ba0d9c0ec8fa160a6dadc56fc25232cfa5da0778000fed3af9e7a6a2cabf96e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..415e4d212641b0c54289ad6446d4b74a56cec675
--- /dev/null
+++ b/chunks/txt/3ba0d9c0ec8fa160a6dadc56fc25232cfa5da0778000fed3af9e7a6a2cabf96e.txt
@@ -0,0 +1,22 @@
+Overview .............................................................................................................................................. 9
+
+Updated UCD Requirements for Phase 3 (different from UCD Specification v1.5) ........................... 9
+
+Updated UCD Requirements for Phases 1 and 2 (different from UCD Specification v1.5) ............. 11
+
+Additional Information ............................................................................................................................ 13
+
+© 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.
+
+Revision History
+
+Version 2.1 …………………………………………………………………….……December 20, 2022
+Version 2.0…………………………………………………………………….…………..July 26, 2022
+Version 1.0 …………………………………………………………………….……February 15, 2022
diff --git a/chunks/txt/3ba230af0dcaecaccb0518acd6bafa3a8aee1702795e04be5c86ef8c19e3b428.txt b/chunks/txt/3ba230af0dcaecaccb0518acd6bafa3a8aee1702795e04be5c86ef8c19e3b428.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b889cd65b58bfac9d03401cf1d117b76b53ee0d1
--- /dev/null
+++ b/chunks/txt/3ba230af0dcaecaccb0518acd6bafa3a8aee1702795e04be5c86ef8c19e3b428.txt
@@ -0,0 +1,35 @@
+The site contains documents and resources in English, Spanish, traditional Chinese, Vietnamese, Korean, and Tagalog. See the [Language Access Multi-Year Plan](/document/lep-multi-year-plan) (published May 2018) and the [Language Access Policy Page](/policy/language-access) for more details.
+
+- Image
+
+
+
+[Search or Browse Documents](/node/20006)
+
+- Image
+
+
+
+[Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)
+
+- Image
+
+
+
+[Borrower Education Materials](/mortgage-translations/borrower-education-materials)
+
+- Image
+
+
+
+[Covid-19 Resources](/mortgage-translations/covid-19-resources)
+
+- Image
+
+
+
+[Interpretive Services](/mortgage-translations/interpretive-services)
+
+> *[Iframe content not accessible: https://www.youtube.com/embed/jZzHk9adBAM]*
+
+* UPDATE: In July 2022, the Federal Housing Finance Agency, Fannie Mae, and Freddie Mac added the updated Supplementary Consumer Information Form (SCIF) (Fannie Mae/Freddie Mac 1103) to the Mortgage Translations website. The SCIF helps industry professionals collect borrower information with standardized questions about homeownership education, housing counseling, and language preference. Additionally, the revised Mortgage Assistance Application, Borrower Solicitation Letter, Forbearance Servicer Script, and a Servicer Script for Homeowners with a Resolved COVID-19 Hardship were also added. All of the documents are now available in English, Spanish, Chinese, Vietnamese, Korean, and Tagalog.
diff --git a/chunks/txt/3ba5329c031aa93da17d19607db27da04f7f2f32524c8ee01d1d8ebce38dbcc9.txt b/chunks/txt/3ba5329c031aa93da17d19607db27da04f7f2f32524c8ee01d1d8ebce38dbcc9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..67703d25e737b89baabb5fb0a1cb4368ca113f28
--- /dev/null
+++ b/chunks/txt/3ba5329c031aa93da17d19607db27da04f7f2f32524c8ee01d1d8ebce38dbcc9.txt
@@ -0,0 +1,37 @@
+• Conduct workflow and process testing with your vendors to make sure you’re ready to use and consume
+
+UAD 3.6.
+
+• Verify that your external technology vendors have made the necessary system enhancements to accept
+
+UAD 3.6 appraisal reports.
+
+Have the GSEs updated their Selling Guide policies to support UAD 3.6 appraisal reports?
+
+Yes, all participants in the Limited Production Period must adhere to each GSE’s updated policy related to UAD 3.6.
+View Fannie Mae’s Selling Guide Supplement: UAD 3.6 Policy and Freddie Mac’s Single-Family Seller/Servicer
+Guide (Guide) Bulletin 2025-7.
+
+What are the three requirements needed to deliver a loan during the Limited Production
+Period?
+
+• A completed Limited Production Period Questionnaire: All lenders delivering a loan during the Limited
+
+Production Period must complete the Questionnaire (see the Next Steps section for details).
+
+• A successful Uniform Collateral Data Portal® (UCDP®) submission and Doc File ID: For a loan to be
+delivered to each GSE, the applicable GSE’s Submission Summary Report must indicate a “Successful”
+Document File Status with a Doc File ID.
+
+• Compliance with each GSE’s UAD 3.6 policy: View Fannie Mae’s Selling Guide Supplement: UAD 3.6
+
+Policy and Freddie Mac’s Guide Bulletin 2025-7 for details.
+
+If a lender is not participating in the Limited Production Period, can they still deliver a loan
+with a UAD 3.6 appraisal report?
+
+Every lender must complete the Questionnaire and receive approval to deliver loans with UAD 3.6 appraisal reports
+to each GSE. If a lender is not part of the Limited Production Period and purchases a loan with a UAD 3.6 appraisal
+report from a correspondent, it may be sold to each GSE as long as there is a “Successful” Document File Status
+with a Doc File ID, the aggregator (lender) completed the Questionnaire for approval, and the appraisal report
+complies with each GSE’s UAD 3.6 policy.
diff --git a/chunks/txt/3bacb6ed94fdfdc64084be4f12717d80d4aca7b128fd09aedbf5c7f32f41124b.txt b/chunks/txt/3bacb6ed94fdfdc64084be4f12717d80d4aca7b128fd09aedbf5c7f32f41124b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cf53cf5e497b28e024203900d34cfc679abfb74b
--- /dev/null
+++ b/chunks/txt/3bacb6ed94fdfdc64084be4f12717d80d4aca7b128fd09aedbf5c7f32f41124b.txt
@@ -0,0 +1,41 @@
+[Working With Us](/working-with-us)
+
+[News & Insights](/news-insights)
+
+[About](/about)
+
+[Affordable Lending](/working-with-us/affordable-lending/overview)
+
+[Technology](/tools-learning)
+
+[Become a Seller/Servicer](/working-with-us/become-a-seller-servicer/overview)
+
+[Origination & Underwriting](/working-with-us/origination-underwriting/overview)
+
+[Selling & Delivery](/working-with-us/sell-for-cash/overview)
+
+[Freddie Mac Gateway](/tools-learning/technology-tools/our-solutions)
+
+[Mortgage Products](/working-with-us/origination-underwriting/mortgage-products)
+
+[System Status](/tools-learning/system-status)
+
+[Seller/Servicer Guide](https://guide.freddiemac.com/)
+
+[Servicing](/working-with-us/servicing/overview)
+
+[Access Manager](/tools-learning/access-manager/overview)
+
+[Subscribe](http://infofreddiemac.com/sf_emailGate)
+
+© 2026 Freddie Mac
+
+- [Contact Us](https://www.freddiemac.com/about/contact-us)
+ - [Careers](https://careers.freddiemac.com/)
+ - [Terms of Use](https://www.freddiemac.com/terms)
+ - [Privacy Policy](https://www.freddiemac.com/terms/privacy)
+ - [State Privacy Notices](https://www.freddiemac.com/terms/state_privacy_notices)
+ - [Cookie Preferences](javascript:void(0);)
+ - [Your Privacy Choices](https://privacyportal.onetrust.com/webform/94b5e41a-aba0-4e51-ba48-efa19ce560a1/606fcfb7-d563-44d8-94cd-b8d1a8356b7e)
+ - © 2026 Freddie Mac Follow us on social media
+ - [](https://www.youtube.com/c/freddiemaccorp) [](https://www.instagram.com/freddiemaccorp/) [](https://www.linkedin.com/showcase/freddiemacsf/) [](https://twitter.com/FreddieMac)
diff --git a/chunks/txt/3bae057372f4b66480a2ac37b6ee53bb9592521e2da3c6669d2a5ef2c5303e9b.txt b/chunks/txt/3bae057372f4b66480a2ac37b6ee53bb9592521e2da3c6669d2a5ef2c5303e9b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c2702c958866bf4b337e779e1dcfe199e14ae77e
--- /dev/null
+++ b/chunks/txt/3bae057372f4b66480a2ac37b6ee53bb9592521e2da3c6669d2a5ef2c5303e9b.txt
@@ -0,0 +1,103 @@
+Unique ID
+
+MISMO Data Point Name
+
+Display Rules
+
+Reconciliation: Approaches to Value
+
+26.000
+
+Indicated Value
+
+1300.0006
+
+ValueIndicatedBySalesComparisonAmount
+
+Display when SalesComparisonApproachIndicator = "true"
+
+26.001
+
+Reason for
+Exclusion
+
+Income Approach
+
+1300.0007
+
+ValuationApproachExclusionReasonType
+
+1300.0008
+
+ValuationApproachExclusionReasonTypeOtherDescription
+
+When SalesComparisonApproachIndicator = "false"
+
+− Provide ValuationApproachExclusionReasonType = “Other” AND
+
+ValuationApproachExclusionReasonTypeOtherDescription
+
+26.002
+
+Indicated Value
+
+1200.0004
+
+ValueIndicatedByIncomeApproachAmount
+
+26.003
+
+Reason for
+Exclusion
+
+Cost Approach
+
+1300.0004
+
+ValuationApproachExclusionReasonType
+
+1300.0005
+
+ValuationApproachExclusionReasonTypeOtherDescription
+
+Display when IncomeApproachIndicator = "true"
+Display when IncomeApproachIndicator = "false"
+When multiple reasons are provided display as stacked.
+Display when ValuationApproachExclusionReasonType = "Other"
+When multiple reasons are provided display as stacked.
+
+26.004
+
+Indicated Value
+
+1300.0001
+
+ValueIndicatedByCostApproachAmount
+
+Display when CostApproachIndicator = "true"
+
+26.005
+
+Reason for
+Exclusion
+
+1300.0002
+
+ValuationApproachExclusionReasonType
+
+1300.0003
+
+ValuationApproachExclusionReasonTypeOtherDescription
+
+Display when CostApproachIndicator = "false"
+When multiple reasons are provided display as stacked.
+Display when ValuationApproachExclusionReasonType = "Other"
+When multiple reasons are provided display as stacked.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Figure 26 - 1
+
+Page 348
+
+Appraisal Summary
diff --git a/chunks/txt/3bb55af7a73d449f7acec7668af38fb374ce167cd9484731d80a9f685fc925af.txt b/chunks/txt/3bb55af7a73d449f7acec7668af38fb374ce167cd9484731d80a9f685fc925af.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c0b5c273cff63faf0755244cc1138990571dc7cf
--- /dev/null
+++ b/chunks/txt/3bb55af7a73d449f7acec7668af38fb374ce167cd9484731d80a9f685fc925af.txt
@@ -0,0 +1,180 @@
+/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/@GSEFEMAFloodMapIdentifier
+
+1
+
+1
+
+1
+
+1
+
+Boolean
+
+Boolean
+
+20
+
+String
+
+22
+
+String
+
+127
+
+1
+
+121
+
+SITE
+
+FEMA Map Date
+
+NFIP Map Panel
+Date
+
+The map effective date or the map
+revised date shown on the NFIP map.
+
+/VALUATION_RESPONSE/PROPERTY/SITE
+/FLOOD_ZONE/@NFIPMapPanelDate
+
+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
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+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.
+
+Form FNM 1004 FRE 70
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 40 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
+
+Sort ID
+
+Form
+Page
+
+Form
+Reference
+Number
diff --git a/chunks/txt/3bc234fc3b3e9bb4a446208da246d967dc02258445e48cc47d826f61b8e265f4.txt b/chunks/txt/3bc234fc3b3e9bb4a446208da246d967dc02258445e48cc47d826f61b8e265f4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c1e58f125509a6333c36b21ddd43290ad8ed763e
--- /dev/null
+++ b/chunks/txt/3bc234fc3b3e9bb4a446208da246d967dc02258445e48cc47d826f61b8e265f4.txt
@@ -0,0 +1,5 @@
+Housing Trends (H1) ........................................................................................................................................... 54
+
+Market Commentary (H1) ................................................................................................................................... 55
+
+Market Exhibits (H1) ........................................................................................................................................... 55
diff --git a/chunks/txt/3bc9cdaf158aeb38fb0a54720eff06973177720e6ca2f69e7c99c24b51b26798.txt b/chunks/txt/3bc9cdaf158aeb38fb0a54720eff06973177720e6ca2f69e7c99c24b51b26798.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0cfabb941f3a0ee422b54c1dcace760c3219a39f
--- /dev/null
+++ b/chunks/txt/3bc9cdaf158aeb38fb0a54720eff06973177720e6ca2f69e7c99c24b51b26798.txt
@@ -0,0 +1,45 @@
+Appendix E: Report Style Guide
+
+Page 11 of 90
+
+Version 1.4
+
+Part 1. Design
+
+This chapter includes specifications for the overall design elements that apply to all pages of the URAR, Appraisal
+Update, and Completion Report. The overall measurements of the page in the report are defined in inches (see
+page 8). All other layout measurements in the Style Guide use typographic standards (see “Units Used in this
+Guide” below).
+
+Font
+
+Myriad Pro is the preferred font. Calibri may be used as an alternative; however, this change may affect the length
+and pagination of the report, e.g., line breaks within the individual certifications.
+
+The Appendix C Layouts were designed on a particular platform with a design program. Not every design program
+matches others perfectly. The goal is to match the PDFs provided in the report layouts (Appendix C-1, C-2, C-3)
+and sample scenarios (Appendix D-1, D-2, D-3).
+
+For an example of a report using Calibri, see Appendix D-1: Sample Scenario SF5-A.
+
+SAMPLE USING MYRIAD PRO
+
+SAMPLE USING CALIBRI
+
+Appendix E: Report Style Guide
+
+Page 12 of 90
+
+Version 1.4
+
+Units Used in Style Guide
+
+In this guide, the two units of measurement used in describing the widths of elements are points and picas.
+
+A point is equal to 1/72 inch (72 points in an inch). 1 pica is equal 1/6 of an inch (or 12 points). 6 picas equal 1
+inch; 3 picas equal ½ inch.
+
+Picas are often used for fixed horizontal measurements (most often column width). Picas are often abbreviated as
+“p” (such as 16p). Picas are usually represented with points in this fashion: (picas)p(points), for example: 3p9 or
+2p6. For example, the standard width for one column of text on this two-column grid document is 22 picas and 0
+points (normally abbreviated as 22p0).
diff --git a/chunks/txt/3bcae7379dd98f8814b9ba8a73313e630168dc1d8003f41a3385c15ad075a0b1.txt b/chunks/txt/3bcae7379dd98f8814b9ba8a73313e630168dc1d8003f41a3385c15ad075a0b1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8ee7fd08f7182a4f910c4e603a46abe8e39343c1
--- /dev/null
+++ b/chunks/txt/3bcae7379dd98f8814b9ba8a73313e630168dc1d8003f41a3385c15ad075a0b1.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/research?category%5B961%5D=961"
+date_accessed: "2026-01-27T17:54:20.614Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/3bcc191a926502f452a1b0f05cd4c3955c05a8936e77c92729d8045747fa85db.txt b/chunks/txt/3bcc191a926502f452a1b0f05cd4c3955c05a8936e77c92729d8045747fa85db.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3c69f3c83beda9a94ff3a3c789fa2a69139df482
--- /dev/null
+++ b/chunks/txt/3bcc191a926502f452a1b0f05cd4c3955c05a8936e77c92729d8045747fa85db.txt
@@ -0,0 +1,80 @@
+Notes:
+• Some information displays for both dwellings and outbuildings. Conditionality of this section is limited to
+
+each structure that is identified as an outbuilding.
+
+• The “When to Include” column in this chapter only references outbuildings.
+
+Information That May Display in Black Tab
+
+Outbuilding: Black Tab
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+12.001 Outbuilding
+(black tab)
+
+Always required for
+each outbuilding
+
+Choose an
+allowable answer
+from table
+(Outbuilding Type)
+
+Outbuilding Type: The intended functional design (use) of an outbuilding on the
+property.
+Note: The selected answer displays in a black tab or as a Report Label
+throughout the URAR.
+
+Appendix F-1: URAR Reference Guide
+
+Page 150 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+12 Outbuilding
+
+Allowable Answer
+
+ADU/Garage
+
+Barn
+
+Boathouse
+
+Bunkhouse
+
+Outbuilding Type (Choose one for each Outbuilding)
+
+Definition / Additional Guidance
+
+A detached garage with an ADU that is either above the vehicle storage, or attached by a common wall.
+Note: If the building has additional separate area other than vehicle storage and ADU, do not select this answer. See
+Other (Describe).
+
+A farm building designed to store grain, hay, or straw, house livestock, or for other farming purposes.
+
+A building at the edge of or on a body of water in which boats or other watercraft are stored.
+
+A structure designed to provide temporary sleeping quarters with no other amenities.
+
+Enclosed Kennel
+
+A permanent structure designed to board pets.
+
+Greenhouse
+
+Guest House
diff --git a/chunks/txt/3bd1e84f65cb01c08ec6b6d8f0de76d6860d2327aaa07d2b0160ec4833dbe170.txt b/chunks/txt/3bd1e84f65cb01c08ec6b6d8f0de76d6860d2327aaa07d2b0160ec4833dbe170.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f47cd1129d4835e5b4ffdeba9eca72a395e95840
--- /dev/null
+++ b/chunks/txt/3bd1e84f65cb01c08ec6b6d8f0de76d6860d2327aaa07d2b0160ec4833dbe170.txt
@@ -0,0 +1,100 @@
+PARTIES
+ PARTY
+
+INDIVIDUAL
+ NAME
+ FirstName = John
+ LastName = Smith
+
+ROLE
+
+Sequence Number = “1”
+ xlink:label = “BORROWER_1”
+ ROLE DETAIL
+
+Party Role Type = Borrower
+
+Figure 11. Establishing Endpoints of Relationship
+
+The table below (Table 11) shows the endpoints that will makeup the xlink arcrole relationship for the
+relationship.
+
+CONTAINER
+
+XPath For Container
+
+LIABILITY
+ROLE
+
+DEAL/LIABILITIES/LIABILITY
+DEAL/PARTIES/PARTY/ROLES/ROLE
+
+Table 11. Identifying Endpoints in the Relationship
+
+Sequence
+Number
+1
+1
+
+Xlink:label
+
+LIABILITY_1
+BORROWER_1
+
+The table below (Table 12) shows a breakdown of the detailed components of the relationship used to
+relate a related liability to a borrower for that loan.
+
+XPath
+
+Attribute
+
+xlink:label
+
+Value
+
+Notes
+
+RELATIONSHIPS CONTAINER
+
+First instance of RELATIONSHIP
+MESSAGE/DEAL_SETS/D
+EAL_SET/DEALS/DEAL/
+/RELATIONSHIPS/RELAT
+IONSHIP
+
+Sequence Number
+
+1
+
+arcrole="urn:fdc:mism
+o.org:2009:residential
+from
+to
+
+LIABILITY_IsAssocia
+te dWith_ROLE
+LIABILITY_1
+BORROWER_1
+
+Table 12. Relationships Container – Component Details
+
+Data Relationships Using Xlink and MISMO Arcroles
+
+Page 24 of 29
+
+Version 1.1
+
+___________ _ __ Uniform Loan Application Dataset (ULAD) Xlink Arcroles
+
+The figure below (Figure 12) shows a basic example of how the xlink arcrole relationship linking a liability
+to a borrower would look in the RELATIONSHIPS container.
+
+RELATIONSHIPS CONTAINER
+Showing the RELATIONSHIP Using The Endpoints
+
+RELATIONSHIPS
+ RELATIONSHIP
+ Sequence Number = “1”
+ xlink:from = “LIABILTY_1”
+ xlink:to = “BORROWER_1”
+ xlink:arcrole = “LIABILITY_IsAssociatedWith_ROLE”
diff --git a/chunks/txt/3bd7d7bb1b7ff58cba39d78e9d6a39140413f339bf9df3b56ddcee1a9443ea4d.txt b/chunks/txt/3bd7d7bb1b7ff58cba39d78e9d6a39140413f339bf9df3b56ddcee1a9443ea4d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..87b07bad5c46bf6602bc30ea3859c70b83e3620c
--- /dev/null
+++ b/chunks/txt/3bd7d7bb1b7ff58cba39d78e9d6a39140413f339bf9df3b56ddcee1a9443ea4d.txt
@@ -0,0 +1,89 @@
+/VALUATION_RESPONSE/PARTIES/APPRA
+ISER/APPRAISER_LICENSE[@_Type='Other'
+]/@_TypeOtherDescription
+
+APPRAISER
+CERTIFICATION
+
+Appraiser
+State #
+
+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='Other'
+]/@_Identifier
+
+APPRAISER
+CERTIFICATION
+
+Appraiser
+State
+
+Appraiser License
+State
+
+The state in which the appraiser is
+licensed.
+
+/VALUATION_RESPONSE/PARTIES/APPRA
+ISER/APPRAISER_LICENSE/@_State
+
+50
+
+50
+
+25
+
+20
+
+2
+
+String
+
+UAD Requirement – Refer to Appendix D Appraiser Certification
+Section
+
+String
+
+UAD Requirement – Refer to Appendix D Appraiser Certification
+Section
+
+One and only one of the fields 6-13, 6-14, 6-
+16 (Appraiser License Identifier and values of
+Appraiser License Type) is required unless the
+value of field 6-15 is 'trainee'.
+One and only one of the fields 6-13, 6-14, 6-
+16 (Appraiser License Identifier and values of
+Appraiser License Type) is required unless the
+value of field 6-15 is 'trainee'.
+
+String
+
+UAD Requirement – Refer to Appendix D Appraiser Certification
+Section
+
+Required if field 6-16 is populated
+
+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
+
+One and only one of the fields 6-13, 6-14, 6-
+16 (Appraiser License Identifier and values of
+Appraiser License Type) is required unless the
+value of field 6-15 is 'trainee'.
diff --git a/chunks/txt/3be0a353191c6f8da287ec359ea5a4960787d3a02fc7436ac8e9a1cc3da1cd6c.txt b/chunks/txt/3be0a353191c6f8da287ec359ea5a4960787d3a02fc7436ac8e9a1cc3da1cd6c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f4a16ed29df74eee364b4930499d4e539b7b74b2
--- /dev/null
+++ b/chunks/txt/3be0a353191c6f8da287ec359ea5a4960787d3a02fc7436ac8e9a1cc3da1cd6c.txt
@@ -0,0 +1,4 @@
+---
+source_url: "https://www.facebook.com/FHFA"
+date_accessed: "2026-01-27T17:54:20.784Z"
+---
diff --git a/chunks/txt/3bf1bd31b75f88001fdd34f73fd9c847af1d4df2973423ca1a100e508b522270.txt b/chunks/txt/3bf1bd31b75f88001fdd34f73fd9c847af1d4df2973423ca1a100e508b522270.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7d64f78496bdc8e495457af7b634c66ed2160862
--- /dev/null
+++ b/chunks/txt/3bf1bd31b75f88001fdd34f73fd9c847af1d4df2973423ca1a100e508b522270.txt
@@ -0,0 +1,48 @@
+ Review, identify and analyze any changes to critical edits implemented in Phases 1 – 3 caused
+
+by UCD v2.0 updates. Note: Some message codes and text have changed.
+
+Provide Training
+
+ Review and edit any internal policies, processes, procedures and training as needed to support
+
+UCD v2.0 implementation.
+
+ Regularly check each GSE’s UCD web pages for any new and updated FAQs and other
+
+resources.
+
+© 2025 Fannie Mae and Freddie Mac. Trademarks are property of their respective owners.
+
+June 2025
+
+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.
+
+UCD v2.0 Implementation Timeline
+
+JUNE 30, 2025 — CUSTOMER TEST ENVIRONMENTS AVAILABLE
+
+ Contact your vendor(s) to understand their UCD v2.0 timeline to ensure they are able to release
+
+supporting software and assist in your adoption before the mandate.
+
+ Work closely with your vendor(s) to plan testing and implementation of UCD v2.0.
+
+ Check each GSE’s UCD webpage to confirm your vendor(s) have completed GSE testing.
+
+ Once the software supporting UCD v2.0 has been released, start testing sample XML files in your own
+
+and the GSEs’ test environments.
+
+ Take advantage of any training made available by your vendor(s).
+
+ Provide timely feedback to your vendor(s) of any application errors or missed requirements so they can
+
+be addressed, tested and re-released to you for further testing prior to mandates.
+
+SEPTEMBER 29, 2025 — PRODUCTION ENVIRONMENTS AVAILABLE
+
+ Work with your vendor(s) to:
+
+o Map the ucd:FeeItemType enumerations between your system and your Loan Origination System
diff --git a/chunks/txt/3bf364691ca3b53adabca4844bb8b8148ede0590f66e0030be34545bb67a1e25.txt b/chunks/txt/3bf364691ca3b53adabca4844bb8b8148ede0590f66e0030be34545bb67a1e25.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f481da69dd088c2d5e009022d92967cbde70ba50
--- /dev/null
+++ b/chunks/txt/3bf364691ca3b53adabca4844bb8b8148ede0590f66e0030be34545bb67a1e25.txt
@@ -0,0 +1,33 @@
+Appendix F-1: URAR Reference Guide
+
+Page 8 of 375
+
+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 build
+on this advancement 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.
+• Having conditionality drive what sections appear on the final output, eliminating the need for multiple forms
+
+to support different property and assignment types.
+
+The updated UAD will help the appraiser more accurately report the characteristics of the subject property and
+comparables, be more scalable and flexible than the legacy forms, help appraisers comply with the Uniform
+Standards of Professional Appraisal Practice (USPAP), and better define the Scope of Work.
diff --git a/chunks/txt/3c2432318c243a15e19610fdad13d7bd9fe23fd3b6ca6a76a455624edcd4a0b1.txt b/chunks/txt/3c2432318c243a15e19610fdad13d7bd9fe23fd3b6ca6a76a455624edcd4a0b1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ce4385e514a7550a58211c21e2e9dbaa81c3b16f
--- /dev/null
+++ b/chunks/txt/3c2432318c243a15e19610fdad13d7bd9fe23fd3b6ca6a76a455624edcd4a0b1.txt
@@ -0,0 +1,169 @@
+image/png
+
+LevelOne
+
+Well Maintained
+
+NewOrLikeNew
+
+Upgraded counters, mid-grade cabinets and appliances
+
+Mid Grade Quality
+
+Kitchen
+
+FiveToTenYears
+
+PartiallyUpdated
+
+\\Images\SF3_LivingRoom.png
+
+image/png
+
+LevelOne
+
+LivingRoom
+
+LevelTwo
+
+Bedroom
+
+LevelTwo
+
+Bedroom
+
+LevelTwo
+
+Bedroom
+
+LevelTwo
+
+Bedroom
+
+Bath2
+
+\\Images\SF3_FullBath2.png
+
+image/png
+
+LevelTwo
+
+Maintained
+
+TypicalWearAndTear
+
+Standard grade fixtures, floors, and cabinetry
+
+FullBathroom
+
+NotUpdated
+
+Bath 3
+
+\\Images\SF3_FullBath3.png
+
+image/png
+
+LevelTwo
+
+Maintained
+
+TypicalWearAndTear
+
+Standard grade fixtures, floors, and cabinetry
+
+FullBathroom
+
+NotUpdated
+
+Colonial
+
+SiteBuilt
+
+Aluminum
+
+Recently painted with no damage or condition issues noted
+
+TypicalWearAndTear
+
+Quality meets market expectations for this type of dwelling.
+
+ExteriorWallsAndTrim
+
+PouredConcrete
+
+Basement
+
+Foundation appears sound with typical hairline settlement cracks
+
+TypicalWearAndTear
+
+Foundation
+
+OneToTenYears
+
+true
+
+Composition
+
+No apparent signs of damage or leaks
+
+TypicalWearAndTear
+
+25 year rated shingles
+
+Roof
+
+NewOrLikeNew
+
+Brand Y Windows
+
+Windows
+
+Thermal Double Hung and some Casement Windows
+
+C3
+
+Q4
+
+OneToTwoFeet
+
+1
+
+The exterior was recently painted, and new windows, doors, and shutters were installed. The roof was replaced within the past 5 years.
+
+Centralized
+
+Electric
+
+ForcedWarmAir
+
+WholeHouseWaterTreatment
+
+true
+
+false
+
+Outbuilding
+
+false
+
+true
+
+StandaloneADU
+
+Electricity
+
+SanitarySewer
+
+Water
+
+None
+
+CeramicTile
+
+No damage or condition issues noted
+
+TypicalWearAndTear
+
+Standard Grade - meets market expectations for this type of unit.
diff --git a/chunks/txt/3c480c2d27d4afbef885d80f1802d4d9c908f857d1a32bfdd78f9ffe04366f38.txt b/chunks/txt/3c480c2d27d4afbef885d80f1802d4d9c908f857d1a32bfdd78f9ffe04366f38.txt
new file mode 100644
index 0000000000000000000000000000000000000000..29010d348bf3650c15c6918f70935a3eee23d364
--- /dev/null
+++ b/chunks/txt/3c480c2d27d4afbef885d80f1802d4d9c908f857d1a32bfdd78f9ffe04366f38.txt
@@ -0,0 +1,78 @@
+Always displays
+
+… displays
+
+04.043
+
+ID
+
+2400.0462 LicenseIdentifier
+
+04.044
+
+State
+
+2400.0463 LicenseIssuingAuthorityStateCode
+
+04.045
+
+Expires
+
+2400.0461 LicenseExpirationDate
+
+04.046 Description
+
+2400.0465 PartyRoleTypeAdditionalDescription
+
+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.
+
+Assignment Information and Scope of Work Commentary
+
+The Assignment Information and Scope of Work Commentary subsection displays when comments are provided. Any commentary must use
+ValuationCommentText (UID: 1000.0129, FID: 04.047) and ValuationAnalysisCategoryType (UID: 1000.0128, FID: Not on report) = “Assignment”.
+
+05 Certifications and Scope of Work
+
+Page 34
+
+The Certifications and Scope of Work sections always display.
+
+Page 35
+
+Page 36
+
+Page 37
+
+Scope of Work
+
+The Scope of Work subsection always displays.
+
+Page 38
+
+Report
+Field ID
+
+05.001
+
+Scope of Work Text
+
+Text Conditionality
+
+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.
diff --git a/chunks/txt/3c6527930a374099478d47a71ef0f90cbac2eba28a42a29a9db53d78ac33f052.txt b/chunks/txt/3c6527930a374099478d47a71ef0f90cbac2eba28a42a29a9db53d78ac33f052.txt
new file mode 100644
index 0000000000000000000000000000000000000000..26c4f51c92ac035b235c03225c99e13f088c0442
--- /dev/null
+++ b/chunks/txt/3c6527930a374099478d47a71ef0f90cbac2eba28a42a29a9db53d78ac33f052.txt
@@ -0,0 +1,86 @@
+/VALUATION_RESPONSE/PARTIES/SUPER
+VISOR/INSPECTION[@AppraisalInspectionPr
+opertyType='Comparable' and
+@AppraisalInspectionType='ExteriorOnly']
+
+PDF Display Format:
+mm/dd/yyyy
+
+1
+
+1
+
+Enumerated
+
+Enumerated
+
+Note: fields 6-40 and 6-42 populate the same MISMO container.
+
+10
+
+Date/Time
+
+Data Format:
+yyyy-mm-dd
+
+PDF Display Format:
+mm/dd/yyyy
+
+1
+
+Enumerated
+
+Note: fields 6-40 and 6-42 populate the same MISMO container.
+
+10
+
+Date/Time
+
+Data Format:
+yyyy-mm-dd
+
+PDF Display Format:
+mm/dd/yyyy
+
+1
+
+1
+
+Enumerated
+
+Enumerated
+
+This field should be populated if field 6-27
+(Supervisor Name) is populated
+
+If field 6-27 (Supervisor Name) is populated
+or field 6-15 is populated with 'trainee', then
+one and only one of fields 6-34, 6-35
+(Appraiser License Identifier) must be
+populated
+If field 6-27 (Supervisor Name) is populated
+or field 6-15 is populated with 'trainee', then
+one and only one of fields 6-34, 6-35
+(Appraiser License Identifier) must be
+populated
+This field should be populated if field 6-27
+(Supervisor Name) is populated
+
+This field must be populated if field 6-27
+(Supervisor Name) is 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 6-27 (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 6-39 (Appraisal Inspection Property
+Type = 'Subject' and Appraisal Inspection
+Type = 'ExteriorOnly') is indicated this field
+should be populated.
diff --git a/chunks/txt/3c664a6ec80cd2af9f306eb6c5d61cb13335fedd3ce08a6aa1968adc70f9c57b.txt b/chunks/txt/3c664a6ec80cd2af9f306eb6c5d61cb13335fedd3ce08a6aa1968adc70f9c57b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b62071c6d3ccbe8fa2b39f7c29a3654d98814050
--- /dev/null
+++ b/chunks/txt/3c664a6ec80cd2af9f306eb6c5d61cb13335fedd3ce08a6aa1968adc70f9c57b.txt
@@ -0,0 +1,117 @@
+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
+
+90
+
+1
+
+86
+
+SITE
+
+Area
+
+Site Area Description
+
+A free-form text field used to specify
+the site area such as "2.34 acres" or
+"4,760 square feet."
+
+/VALUATION_RESPONSE/PROPERTY/SITE
+/@_AreaDescription
+
+20
+
+String
+
+UAD Requirement - Refer to Appendix D Site Section
+The total size of the entire site/parcel must be entered. No other data should be
+entered in this field. For sites/parcels that have an area of less than 1 acre, the
+size must be reported in square feet (whole numbers only, e.g. 27840 sf).
+Sites/parcels that have an area of 1.00 acre or greater must be reported in
+acreage to two decimal places (e.g. 8.35 ac).
+
+PDF Display Format:
+If less than 1 acre: Square feet, whole numbers only. If 1.00 acre or more:
+Acres, numeric to 2 decimal places. Indicate the unit of measure as either 'sf'
+for square feet or 'ac' for acres as appropriate.
+
+Examples:
+· 6400 sf
+· 3.40 ac
+
+91
+
+1
+
+87
+
+SITE
+
+Shape
+
+Site Feature
+Comment
+
+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/SITE
+/SITE_FEATURE[@_Type='Shape']/@_Comme
+nt
+
+92
+
+1
+
+e-5
+
+SITE
+
+View
+
+GSE View Overall
+Rating Type
+
+The overall rating of the view
+associated with the property.
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='0']/C
+OMPARISON_VIEW_OVERALL_RATING_E
+XTENSION/COMPARISON_VIEW_OVERAL
+L_RATING_EXTENSION_SECTION[@Exten
+sionSectionOrganizationName='UNIFORM
+APPRAISAL
+DATASET']/COMPARISON_VIEW_OVERAL
+L_RATING_EXTENSION_SECTION_DATA/
+COMPARISON_VIEW_OVERALL_RATING/
+@GSEViewOverallRatingType
diff --git a/chunks/txt/3c67520fb6a1c06d82d95b5cb0f1a1de271bcf6e88a0b5adadb72be46241e55c.txt b/chunks/txt/3c67520fb6a1c06d82d95b5cb0f1a1de271bcf6e88a0b5adadb72be46241e55c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..171f0411903d8cc0444a57c0f89ca240e5a12052
--- /dev/null
+++ b/chunks/txt/3c67520fb6a1c06d82d95b5cb0f1a1de271bcf6e88a0b5adadb72be46241e55c.txt
@@ -0,0 +1,135 @@
+This estimate includes
+5.6.3 Property Taxes
+5.6.4 Homeowners Insurance
+5.6.5 Other: Homeowners Assn Dues
+
+In escrow?
+YES
+YES
+NO
+
+See Escrow Account on page 4 for details. You must pay for other
+property costs separately.
+
+Figure 111. Projected Payments Table Escrow Fields
+
+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 $576.96
+
+018.11 Homeowner’s Insurance 8.11.1 ($100.83 per month
+
+8.11.2 $201.66
+
+for 2 mo.)
+
+028.12 Mortgage Insurance 8.12.1 ($82.35 per month for 2
+
+8.12.2 $164.70
+
+mo.)
+
+038.13 Property Taxes 8.13.1 ($105.30 per month for 2 mo.) 8.13.2 $210.30
+
+8.11.4
+
+8.12.4
+
+8.13.4
+
+8.11.6
+
+8.12.6
+
+8.13.6
+
+Appendix E: UCD Implementation Guide
+
+Page 192 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+18.0 Escrow Account - UPDATED
+
+Figure 112. Initial Escrow Payment at Closing
+
+The data points used to support the Escrow Account section when an escrow account is established are
+illustrated below.
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+
+Point/Attribute MISMO v3.3.0 Value
+
+Notes
+
+Table 127. Escrow Account Established
+
+18.2
+
+Escrowed Property
+Costs over Year 1 ($)
+
+…/INTEGRATED_DISC
+LOSURE_DETAIL
+
+FirstYearTotalEscrow
+PaymentAmount
+
+3461.76
+
+18.2.1 …for your escrowed
+property costs: (list)
+
+18.3 Non-Escrowed
+
+Property Costs over
+Year 1
+
+18.3.1 …for your non-
+
+escrowed property
+costs: (list)
+
+FirstYearTotalEscrow
+PaymentDescription
+
+Homeowner’s
+Insurance, Property
+Taxes, MI
+
+FirstYearTotalNonEsc
+rowPaymentAmount
+
+1800.00
+
+FirstYearTotalNonEsc
+rowPaymentDescript
+ion
diff --git a/chunks/txt/3c6b50d6d2928d90b721210921c9a7dc31d31dd21007615027d033b6267a73d2.txt b/chunks/txt/3c6b50d6d2928d90b721210921c9a7dc31d31dd21007615027d033b6267a73d2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..96c35dc19f339b25c8367bdc68e21e78fb07b138
--- /dev/null
+++ b/chunks/txt/3c6b50d6d2928d90b721210921c9a7dc31d31dd21007615027d033b6267a73d2.txt
@@ -0,0 +1,34 @@
+If field 2-41 is populated, then this field should
+be populated.
+
+The sum of this field 2-98 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, 2-94, 2-96, 2-100) must add up
+to Net Adjustment field 2-103.
+
+If field 2-43 is populated, then this field should
+be populated.
+
+The sum of this field 2-100 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, 2-94, 2-96, 2-98) must add up
+to Net Adjustment field 2-103.
+
+If the value of field 2-103 (Sale Price Total
+Adjustment Amount) is non-zero, one and only
+one of fields 2-101 or 2-102 values of (Sales
+Price Total Adjustment Positive Indicator)
+should be indicated.
+If the value of field 2-103 (Sale Price Total
+Adjustment Amount) is non-zero, one and only
+one of fields 2-101 or 2-102 values of (Sales
+Price Total Adjustment Positive Indicator)
+should be indicated.
+
+All the 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, 2-94, 2-
+96, 2-98, 2-100) must add up to this Net
+Adjustment amount.
diff --git a/chunks/txt/3c8609d4a17977d016a09fec949e35753280e9e5f666611b4142781375566340.txt b/chunks/txt/3c8609d4a17977d016a09fec949e35753280e9e5f666611b4142781375566340.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9516a7195b4bcea4aa74bf7734afb532ee277309
--- /dev/null
+++ b/chunks/txt/3c8609d4a17977d016a09fec949e35753280e9e5f666611b4142781375566340.txt
@@ -0,0 +1,104 @@
+02.002 Opinion of
+
+Always required
+
+Dollar amount
+
+In the original appraisal, market value as defined in the report.
+
+Market Value
+
+02.003 Reasonable
+
+Always required
+
+Exposure Time
+
+Number of days or
+range of days
+
+The total number of days the property would have been offered on the market
+prior to a hypothetical sale at market value as of the original appraisal report
+effective date.
+
+02.004 Appraiser
+
+Always required
+
+Free-form
+
+02.005 Reference ID
+
+Always required
+
+Free-form
+
+The name of the primary signatory from the original appraisal report.
+Note: Additional signatories must be identified in Appraisal Update
+Commentary (03.003).
+
+Original Appraiser Reference ID: In the original appraisal report, an identifier or
+number created by the appraiser to identify their report, generally referred to
+as the appraiser’s file number.
+
+02.006 Original Lender
+
+Always required
+
+Free-form
+
+The lender identified in the original appraisal report.
+
+Appendix F-2: Appraisal Update Report Reference Guide
+
+Page 11 of 28
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+03 Appraisal Update
+
+03 Appraisal Update
+
+The Appraisal Update section always displays.
+
+Appraisal Update
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+03.001 Effective Date
+
+Always required
+
+mm/dd/yyyy
+
+03.002 Has the market
+
+Always required
+
+Yes | No
+
+value of the
+subject property
+decreased since
+the effective
+date of the
+original
+appraisal?
+
+Definition / Additional Guidance
+
+For the appraisal update, the date to which the appraiser’s analyses, opinions,
+and conclusions applied.
+
+Reference published guidelines by the GSEs, government agencies, or other
+identified secondary market participants for specific guidance.
diff --git a/chunks/txt/3c925e6508e1a6eef249ccb09032ac3fcecedc8a22656bf863794ad335a6af15.txt b/chunks/txt/3c925e6508e1a6eef249ccb09032ac3fcecedc8a22656bf863794ad335a6af15.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c1708f642b109cdc7ca9068e9a3d4b55bad08395
--- /dev/null
+++ b/chunks/txt/3c925e6508e1a6eef249ccb09032ac3fcecedc8a22656bf863794ad335a6af15.txt
@@ -0,0 +1,132 @@
+3 Miles N
+
+4
+
+$850,000
+
+03/30/2023
+
+$10,800
+
+79
+
+Less
+
+MLS XY-123994
+
+4.5 Miles S
+
+MLS XY-238849
+
+3.5 Miles E
+
+4
+
+$750,000
+
+12/20/2022
+
+$10,000
+
+75
+
+Less
+
+4
+
+$780,000
+
+02/15/2023
+
+$10,400
+
+75
+
+Most
+
+Indicated Value by Income Approach
+
+Total Monthly Market Rent
+$10,400
+
+×
+
+Gross Rent Multiplier
+75
+
+=
+
+Indicated Value by Income Approach
+$780,000
+
+this must appear
+
+Income Approach Commentary
+
+The appraiser’s analysis of comparable sales of rental properties shows a range for the gross rent multiplier of 75 to 79. This is considered
+reliable and provides support for the value estimate.
+
+Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 23 of 26
+Page 23 of 26
+
+Income Approach (continued)
+
+Income Approach Exhibits
+
+Comparable #1
+
+Comparable #2
+
+This is where the photo of 181 Cattledrive St would display.
+
+This is where the photo of 123 Something Pl would display.
+
+Comparable #3
+
+This is where the photo of 341 Nothing Dr would display.
+
+Reconciliation
+
+Approaches to Value
+
+Indicated Value
+
+Reason for Exclusion
+
+Sales Comparison Approach
+$785,000
+
+Income Approach
+$780,000
+
+Cost Approach
+
+Not Necessary for Credible Results
+
+Appraisal Summary
+
+Opinion of Market Value
+Market Value Condition
+
+$785,000
+As Is
+
+Reasonable Exposure Time
+Effective Date of Appraisal
+
+30-60 days
+05/01/2023
+
+Reconciliation of Market Value
+
+Utilize this subsection for additional commentary as required by USPAP.
+
+Apparent Defects, Damages, Deficiencies
+
+None
+
+Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024
diff --git a/chunks/txt/3c9577a35dc8d10107555ece3c865bfee78f35dc074dfc24df7008c5f5a47baf.txt b/chunks/txt/3c9577a35dc8d10107555ece3c865bfee78f35dc074dfc24df7008c5f5a47baf.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bc9592e3b3c044669f485dcdd9b123520ef7abe6
--- /dev/null
+++ b/chunks/txt/3c9577a35dc8d10107555ece3c865bfee78f35dc074dfc24df7008c5f5a47baf.txt
@@ -0,0 +1,79 @@
+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='SalesConcessions']/@_Amount
+
+10
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+
+390
+
+3
+
+e-26
+
+SALES
+COMPARISON
+APPROACH
+
+Concessions
+(Line 2)
+
+GSE Financing
+Type
+
+The type of financing associated with the
+comparable transaction.
+
+/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/@GSEFinancingType
+
+12
+
+Enumerated
+
+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:
+
+Allowable Values PDF Display
+FHA FHA
+VA VA
+Conventional Conv
+Cash Cash
+Seller Seller
+RuralHousing RH
+Other *
+
+*See field e-27 directly below.
+
+R
+
+CR
+
+The sum of this field 3-60 and fields (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 e-29 is 'SettledSale', this
+field is required.
diff --git a/chunks/txt/3c99677c1698c5eed8c38970c85b28ecb11acc04dac6308518876bf683d1a106.txt b/chunks/txt/3c99677c1698c5eed8c38970c85b28ecb11acc04dac6308518876bf683d1a106.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9d19dc07850b6f2e9f14e7f62a4c93ba6d84a0fb
--- /dev/null
+++ b/chunks/txt/3c99677c1698c5eed8c38970c85b28ecb11acc04dac6308518876bf683d1a106.txt
@@ -0,0 +1,210 @@
+e-14; e-15; e-16
+
+e-14; e-15; e-16
+
++(-) $ Adjustment
+
+52
+e-26; e-27; e-28
+
+52
+e-26; e-27; e-28
+
+12a 12b 12c
+Proximity to Subject
+Sale Price
+$ 13
+Sale Price/Gross Liv. Area $ 14
+Data Source(s)
+Verification Source(s)
+VALUE ADJUSTMENTS
+Sale or Financing
+Concessions
+Date of Sale/Time
+Location
+Leasehold/Fee Simple
+Site
+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
+39
+41
+43
+Net Adjustment (Total)
+Adjusted Sale Price
+of Comparables
+I did did not research the sale or transfer history of the subject property and comparable sales. If not, explain 107
+ 105
+
+e-18; e-19; e-20
+e-21; e-22; e-23; e-24
+
+e-18; e-19; e-20
+e-21; e-22; e-23; e-24
+
+e-18; e-19; e-20
+e-21; e-22; e-23; e-24
+
+Net Adj. 103a %
+Gross Adj. 103b %
+
+Net Adj. 103a %
+Gross Adj. 103b %
+
+Baths Total Bdrms. Baths
+
+95
+97
+99
+102
+
+Total Bdrms. Baths
+
+Total Bdrms.
+
++ -
+
+96
+98
+100
+
+e-5; e-6; e-7
+
++ -
+
+31 sq. ft.
+
+79 sq. ft.
+
+79 sq. ft.
+
+95
+97
+99
+
+40
+42
+44
+
+e-17; 70
+
+e-17; 26
+
+e-17; 70
+
+$ 104
+
+$ 103
+
+$ 104
+
+$ 103
+
+106
+
+82
+84
+
+101
+
+102
+
+101
+
+65
+
+74
+
+71
+
+88
+
+92
+
+89
+
+94
+
+91
+
+93
+
+87
+
+90
+
+73
+
+72
+
+85
+
+78
+
+75
+
+69
+
+68
+
+77
+
+67
+
+66
+
+80
+
+86
+
+77
+
+28
+
+87
+
+89
+
+37
+
+93
+
+38
+
+91
+
+36
+
+27
+
+35
+
+75
+
+76
+
+68
+
+72
+
+85
+
+34
+
+30
+
+76
+
+29
diff --git a/chunks/txt/3c9c95603f19b5352d96fe02c725b6074082640219746aa0dc482a2a9118722b.txt b/chunks/txt/3c9c95603f19b5352d96fe02c725b6074082640219746aa0dc482a2a9118722b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5637c6023fc0ba771ebd7b8f50a7b1b7f3927028
--- /dev/null
+++ b/chunks/txt/3c9c95603f19b5352d96fe02c725b6074082640219746aa0dc482a2a9118722b.txt
@@ -0,0 +1,77 @@
+Q1
+
+Q2
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+
+Spacious rooms with high ceilings featuring
+extensive use of treatments (e.g., coved,
+barrel, cupola, coffered, beamed) and
+exceptional grade trim and custom
+millwork throughout.
+Exceptional grade, often rare or imported
+flooring materials, frequently featuring
+inlay work or other customization.
+Spacious kitchens featuring top‐grade
+materials, extensive cabinetry, and
+countertop surface area; appliances and
+fixtures are frequently state of the art,
+custom‐designed, built‐in, or commercial
+grade.
+Luxury bathrooms, often oversized and
+featuring exceptional quality materials and
+multiple ornate or state‐of‐the‐art fixtures
+and features.
+
+Spacious rooms with higher ceilings that
+may have custom design elements (e.g.,
+coved, barrel, cupola, coffered, beamed),
+high‐end built‐ins, mouldings and wall
+treatments in communal areas and the
+main bedroom.
+High‐grade floor coverings designed for the
+highest level of durability and occasionally
+featuring inlays or other customization.
+Large kitchens featuring high‐end
+appliances, extensive cabinetry, and
+countertops.
+Large bathrooms specifically dedicated to
+certain bedrooms as well as at least one
+common bathroom; containing high‐end
+countertops, cabinetry, and plumbing
+fixtures.
+
+
+
+
+
+
+
+Custom fenestration and doorways using
+exceptional grade materials and engineering;
+featuring keystones or detailed mouldings
+throughout.
+Roof designs using premium materials
+designed for longevity and resistance to
+weather; often featuring large ornamental
+overhangs, multiple hips and valleys, or
+steep pitches.
+Exterior walls constructed using exceptional
+grade materials, often featuring multiple
+corners, unique angles and shapes, and
+extensive use of trim or decorative
+adornments.
diff --git a/chunks/txt/3cbc39fcbbd9c85734d8750829ed9f184de795f29babb7a0197167312d30208a.txt b/chunks/txt/3cbc39fcbbd9c85734d8750829ed9f184de795f29babb7a0197167312d30208a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d9109a9e5dc1aeca44871cf8003b177d15bfc4e7
--- /dev/null
+++ b/chunks/txt/3cbc39fcbbd9c85734d8750829ed9f184de795f29babb7a0197167312d30208a.txt
@@ -0,0 +1,111 @@
+29
+
+SALES
+COMPARISON
+APPROACH
+
+Above Grade Room Count
+Total
+
+Total Room Count
+
+Specifies the total number of livable
+rooms.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/ROOM_
+ADJUSTMENT/@TotalRoomCount
+
+SALES
+COMPARISON
+APPROACH
+
+Above Grade Room Count
+Bdrms.
+
+Total Bedroom
+Count
+
+Specifies the total number of bedrooms.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/ROOM_
+ADJUSTMENT/@TotalBedroomCount
+
+252
+
+2
+
+30
+
+SALES
+COMPARISON
+APPROACH
+
+Above Grade Room Count
+Baths
+
+Total Bathroom
+Count
+
+Specifies the total number of bathrooms.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/ROOM_
+ADJUSTMENT/@TotalBathroomCount
+
+253
+
+2
+
+31
+
+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_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_P
+RICE_ADJUSTMENT[@_Type='GrossLivingArea']/@_Description
+
+254
+
+2
+
+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_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA
+RISON_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION
+_SECTION[@ExtensionSectionOrganizationName='UNIFORM
+APPRAISAL
+DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/
+COMPARISON_DETAIL/@GSEBelowGradeTotalSquareFeetNumber
diff --git a/chunks/txt/3ce8d3617fdb4197edc60d6b1e12760d74f1dc8c92d56cdcf20801f4c85bf5db.txt b/chunks/txt/3ce8d3617fdb4197edc60d6b1e12760d74f1dc8c92d56cdcf20801f4c85bf5db.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9bd5be3b0bf9cd1291e11cbf374342c34949dd47
--- /dev/null
+++ b/chunks/txt/3ce8d3617fdb4197edc60d6b1e12760d74f1dc8c92d56cdcf20801f4c85bf5db.txt
@@ -0,0 +1,36 @@
+DU for Government Loans Release Notes
+Nov. 2022 Release
+
+Oct. 19, 2022
+
+During the weekend of Nov. 19, 2022, Desktop Underwriter® (DU®) for government loans will be updated with the changes
+specified below. These changes will apply to all loan casefiles submitted or resubmitted on or after the weekend of Nov. 19, 2022.
+
+N O T E : For ease of reference, this document generally uses the term “DU” to refer to “DU for government loans.”
+
+Support of the new FHA Positive Rental History Indicator
+
+On Sept. 27, 2022, FHA published Mortgagee Letter 2022-17 specifying the introduction of positive rental history. On Sept. 28,
+2022, Fannie Mae published the DU Specification (DU Spec) version 1.8.3, which included a new indicator related to positive rental
+payment history. DU will now accept this optional indicator and send it to FHA for use by the FHA TOTAL scorecard. The indicator
+will be added to the Government section of the Desktop Originator® (DO®)/(DU) user interface and be called: Positive Rental
+History.
+
+When the lender specifies that there is positive rental history on an FHA Purchase loan casefile with a “Yes” in the Positive Rental
+History indicator, DU will issue a message stating that Positive Rental History was received. Lenders should ensure that all
+aspects of the FHA Positive Rental History policy are being met, including First Time Homebuyer status and the Minimum Decision
+Credit Score.
+
+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
diff --git a/chunks/txt/3cedadee840f5b9092f0c7e8226594d9f0135108866306f1480723bde794c8f4.txt b/chunks/txt/3cedadee840f5b9092f0c7e8226594d9f0135108866306f1480723bde794c8f4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..439c526a0ef22203ee2e4afeb0e43129ad2adec7
--- /dev/null
+++ b/chunks/txt/3cedadee840f5b9092f0c7e8226594d9f0135108866306f1480723bde794c8f4.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/about/fhfa-policies/equal-employment-opportunity-no-fear-act"
+date_accessed: "2026-01-27T17:54:20.338Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/3cf28fcc307f736f3e2e8c28faffe2b0ec47ecd288e717c32b4724c3f9d27419.txt b/chunks/txt/3cf28fcc307f736f3e2e8c28faffe2b0ec47ecd288e717c32b4724c3f9d27419.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6dd97a63be4ad50ed229cad8f63511ee7d7a6787
--- /dev/null
+++ b/chunks/txt/3cf28fcc307f736f3e2e8c28faffe2b0ec47ecd288e717c32b4724c3f9d27419.txt
@@ -0,0 +1,78 @@
+8.1.1 $85.00
+
+8.2.2
+
+$40.00 8.2.3
+
+8.2.4
+
+8.2.5
+
+8.2.6
+
+8.4 F. Prepaids
+
+8.4.1 $2,229.80
+
+018.5 Homeowner’s Ins Premium (12 mo.) to Ins Co8.5.1 8.5.2 $1,209.96 8.5.3
+
+8.5.4
+
+8.5.5
+
+8.5.6
+
+8.10 G. Initial Escrow Payment at Closing
+018.11 Homeowner’s Ins ($100.83 per month for 2 mo.)
+
+8.11.1
+
+8.10.1 $630.25
+
+8.11.2 $201.66
+
+8.11.4
+
+8.11.6
+
+8.16 H. Other
+
+8.16.1 $1,650.00
+
+018. 17 HOA Special Assessment to HOA Acre Inc. 8.17.1 8.17.2 $500.00 8.17.3
+
+8.17.4
+
+8.17.5
+
+8.17.6
+
+Appendix E: UCD Implementation Guide
+
+Page 108 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+7.0 - 9.0 Closing Cost Details Tables Overview - UPDATED
+
+8.18 I. TOTAL OTHER COSTS (Borrower-Paid)
+
+8.18.1 $4,595.05
+
+8.19 Other Cost Subtotals (E + F + G + H)
+
+8.19.2 $4,268.05 8.19.3
+
+9.1 J. TOTAL CLOSING COSTS (Borrower-Paid)
+
+9.1.1 $10,197.10
+
+9.2 Closing Costs Subtotals (D + I)
+9.3 Lender Credits 9.3.1 (Includes $0 credit for
+tolerance cure)
+
+9.2.2 $10,167.30 9.2.3
+
+$29.80 9.2.4 $12,800.00 9.2.5
diff --git a/chunks/txt/3cf31fb63e3aa36341ec986eb0d670421e0132b158a05ce0d25e563678a25c23.txt b/chunks/txt/3cf31fb63e3aa36341ec986eb0d670421e0132b158a05ce0d25e563678a25c23.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8ca575e0f04d8ea7b349031f6781d8e7fba014d3
--- /dev/null
+++ b/chunks/txt/3cf31fb63e3aa36341ec986eb0d670421e0132b158a05ce0d25e563678a25c23.txt
@@ -0,0 +1,9 @@
+*Figure 1: Dashboard Landing Page*
+
+The official name of the dashboard is the “Mortgage Loan and Natural Disaster Dashboard,” but throughout these FAQs we will refer to it as the “dashboard” for simplicity.****The default settings of the dashboard show the nationwide map with the census-tract-level composite National Risk Index (NRI) Ratings. The filters are located on the dashboard's right side, allowing the user to navigate the map, charts, and tables in the dashboard.
+
+The first filter box, "Select Chart/Table," will enable you to browse various information in the dashboard. The "Acquisition" option in the filter shows the loan acquisition counts and total acquisition unpaid principal balance (UPB) of the loans in selected communities acquired by FHFA’s regulated entities, both single-family and multifamily. The "National Risk Index" option shows census tract-level NRI indices and Expected Annual Losses from the selected hazard. It also provides state and national averages of NRI indices. The "Acquisition Distribution by Risk Rating" tab shows the distributions of acquisition UPB by the risk ratings for selected hazards. It provides nationwide distribution, as well as for the selected state, county, and census tract.
+
+The filter box number 2, "Duty to Serve High Needs Area," allows users to keep only the Duty to Serve high needs areas or exclude them from their results.
+
+The last filter box lets users change the geographic area. It applies to all the maps, tables, and charts in the dashboard. The dashboard shows the nationwide result when all the geographic filters are (all). Once a state is selected, the results will be state-level, once a county is selected, the results will be county-level, and once a tract is selected, the results will be tract-level. The dashboard provides information down to the census-tract level.
diff --git a/chunks/txt/3cf9358be5f0f65c8781419f329d528ba10fbbfe2487f80ce3b7fd60430b0e02.txt b/chunks/txt/3cf9358be5f0f65c8781419f329d528ba10fbbfe2487f80ce3b7fd60430b0e02.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e6338834a5ee5347ee242c0374386dd481bde43a
--- /dev/null
+++ b/chunks/txt/3cf9358be5f0f65c8781419f329d528ba10fbbfe2487f80ce3b7fd60430b0e02.txt
@@ -0,0 +1,208 @@
+T
+
+T
+
+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 146 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
+
+277
+
+2
+
+75
+
+UNIT
+IMPROVEMENTS
+
+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
+
+278
+
+2
+
+76
+
+UNIT
+IMPROVEMENTS
+
+Car Storage
+Covered
+
+Car Storage
+Location Type
+
+Specifies the location and type of the Car
+Storage Location.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE/CAR
+_STORAGE_LOCATION[@_Type='Covered']
+
+279
+
+2
+
+77
+
+UNIT
+IMPROVEMENTS
+
+Car Storage
+Open
+
+Car Storage
+Location Type
+
+Specifies the location and type of the Car
+Storage Location.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE/CAR
+_STORAGE_LOCATION[@_Type='Open']
+
+280
+
+281
+
+282
+
+283
+
+284
+
+2
+
+2
+
+2
+
+2
+
+2
+
+78
+
+79
+
+80
+
+81
+
+82
+
+UNIT
+IMPROVEMENTS
+
+# of Cars
+
+UNIT
+IMPROVEMENTS
+
+Car Storage
+Assigned
+
+UNIT
+IMPROVEMENTS
+
+Car Storage
+Owned
+
+UNIT
+IMPROVEMENTS
+
+Parking Space #
+
+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/STRUCTURE/CAR_STORAGE/@Pa
+rkingSpacesCount
+
+Parking Space
+Assignment Type
+
+Parking Space
+Assignment Type
+
+Parking Space
+Identifier
diff --git a/chunks/txt/3d049cfacb4731f53ab73bf963a0023ed42b8bf5e26daed60de51f4e6ddc5ce8.txt b/chunks/txt/3d049cfacb4731f53ab73bf963a0023ed42b8bf5e26daed60de51f4e6ddc5ce8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..58839e0af744f6d269f92e89533ca8245b78788f
--- /dev/null
+++ b/chunks/txt/3d049cfacb4731f53ab73bf963a0023ed42b8bf5e26daed60de51f4e6ddc5ce8.txt
@@ -0,0 +1,138 @@
+Site Features and Impact to Value/Marketability
+
+Feature
+Hazard Zone
+
+Detail
+No Hazard Zone Noted
+
+Impact
+
+Comment
+
+Site Characteristic
+
+Landscaping
+
+Neutral
+
+Exotic trees and premium shrubs are sited along the
+foundation of the building.
+
+Site Features Commentary Additional commentary can be added here, if needed by Appraiser.
+
+Utilities and Impact to Value/Marketability
+
+Broadband Internet Available
+
+Yes
+
+Private
+
+Detail
+
+Private Utility
+Impact
+
+Comment
+
+Electricity
+
+Gas
+
+Sanitary Sewer
+
+Water
+
+Public
+
+
+
+
+
+Apparent Defects, Damages, Deficiencies (Site)
+
+None
+
+Site Commentary
+
+Additional commentary can be added here, if needed by Appraiser.
+
+Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 4 of 22
+Page 4 of 22
+
+Site (continued)
+
+Site Exhibits
+
+Property Boundaries
+
+Property Access (Street Scene)
+
+This is where the Property Access photo would display.
+
+Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 5 of 22
+Page 5 of 22
+
+Sketch
+
+Measurement Standard
+
+Floor Plan
+
+Not Applicable due to
+property type
+
+14'
+
+14'
+
+Cvd Balcony
+
+4
+
+'
+
+Bedroom
+
+Bath
+
+Bath
+
+'
+
+1
+4
+
+Living Room
+
+First Floor
+[1,092 Sq. Ft.]
+
+Dining Room
+
+3
+7
+
+'
+
+Bedroom
+
+Kitchen
+
+28'
+
+Area Calculations Summary
+
+Sketch Commentary
+
+The subject’s condominium unit is part of an apartment/multifamily building. The ANSI measurement standard does not apply to apartment/
+multifamily buildings. Dimensions provided in the floor plan are interior perimeter unit measurements.
diff --git a/chunks/txt/3d075db2f558dffed242ab65e9042053e1a034b2b0940964ca029da9f6c70402.txt b/chunks/txt/3d075db2f558dffed242ab65e9042053e1a034b2b0940964ca029da9f6c70402.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b8d5fd0ab4eced08598baa9297630d31af695ee1
--- /dev/null
+++ b/chunks/txt/3d075db2f558dffed242ab65e9042053e1a034b2b0940964ca029da9f6c70402.txt
@@ -0,0 +1,29 @@
+- ### [FAQs - Principal Reduction Modification](/faqs/faqs-principal-reduction-modification)
+
+**Published: Thursday, April 14, 2016**
+
+1. What is the new Principal Reduction Modification program offered by Fannie Mae and Freddie Mac (the Enterprises)?The Enterprises, at the direction of the Federal Housing Finance Agency (F...
+
+- ### [Final Rule: Federal Home Loan Bank Membership FAQs](/faqs/final-rule-federal-home-loan-bank-membership-faqs)
+
+**Published: Tuesday, January 12, 2016**
+
+VIEW PRINTABLE FAQS1. WHAT IS FHFA'S REGULATION ON FEDERAL HOME LOAN BANK MEMBERSHIP? FHFA's regulation on Federal Home Loan Bank (FHLBank) membership implements provisions of the Feder...
+
+- ### [Private Mortgage Insurer Draft Eligibility Requirements Frequently Asked Questions (FAQs)](/faqs/private-mortgage-insurer-draft-eligibility-requirements-frequently-asked-questions-faqs)
+
+**Published: Thursday, July 10, 2014**
+
+(1) What is private mortgage insurance? Private mortgage insurance (PMI) protects a lender against loss if the borrower defaults on his or her mortgage loan. PMI premiums may be paid by the...
+
+- ### [HARP Phase II Q&A’s](/faqs/harp-phase-ii-qas)
+
+**Published: Monday, October 24, 2011**
+
+Why are you making these changes to HARP now? For some time, FHFA, Fannie Mae and Freddie Mac (the Enterprises), lenders, servicers and private mortgage insurers (MI’s) have been engaged in a...
+
+- ### [Servicing Alignment Initiative Frequently Asked Questions](/faqs/servicing-alignment-initiative-frequently-asked-questions)
+
+**Published: Thursday, April 28, 2011**
+
+Q1. What is the Servicing Alignment Initiative and why is FHFA directing it? The Servicing Alignment Initiative is a FHFA-led effort to establish consistent policies and processes for the ser...
diff --git a/chunks/txt/3d1e68d222f501889a55e67aa723e72cac53d062b30abe3035cedf71a9728b6e.txt b/chunks/txt/3d1e68d222f501889a55e67aa723e72cac53d062b30abe3035cedf71a9728b6e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..40d06f9f21363856174223479d13ade2f6a48786
--- /dev/null
+++ b/chunks/txt/3d1e68d222f501889a55e67aa723e72cac53d062b30abe3035cedf71a9728b6e.txt
@@ -0,0 +1,45 @@
+ROF as “Monthly”
+
+19. 2 | 19. 5 – 19. 8 OPTI ONAL PAYMENTS
+
+If note terms allow the borrower to elect to pay a specified periodic P&I payment in an amount other than the
+scheduled amount, the loan has “Optional Payments”. For example: 30-year Fixed | 5-Year Payment Option
+Period | P&I Payment = $925 after Payment Option Period ends. (This very simple (non-ARM) For example is
+used to focus on the payment option feature.)
+
+Adjustable Payment (AP) Table
+
+19.0 if yes:
+
+Optional Payments?
+
+19.2 YES
+
+19.2.1 For your first 60 payments
+
+19.5 Monthly Principal and Interest Payments
+
+First Change / Amount 19.6 $925.00 at 61st payment
+
+Subsequent Changes
+
+19.7 No subse quent changes
+
+Maximum Payment
+
+19.8 $925.00 starting at 61st payment
+
+Figure 121. AP Table – Optional Payments
+
+For the AP Table, “YES” is provided in answer to the question Optional Payments? in row 19.2, along with the
+number of payments for which optional amounts may be paid, counting from the first periodic payment due
+after consummation that the feature is in effect. 19.7 provides the additional information (not shown in the
+Loan Terms Table) that there are no subsequent changes to the P&I payment once the Payment Option period
+ends.
+
+As with the calculation for the maximum payment for the Loan Terms Table, for 19.8 the lender is to assume
+that the borrower elects to make as many periodic payments as long as possible (under the note terms) that
+cause negative amortization. This will cause the periodic principal and interest payment to be the maximum
+possible once the pay option period is over.
+
+1. LOAN TERMS TABLE OPTI ONAL PAYMENT LOAN
diff --git a/chunks/txt/3d236a3a465db8c0d5b28648b9ea561d43445a76453b265fcf38f7d5d21c9972.txt b/chunks/txt/3d236a3a465db8c0d5b28648b9ea561d43445a76453b265fcf38f7d5d21c9972.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cb57a15e590418bbbddc6d51e92150874177a131
--- /dev/null
+++ b/chunks/txt/3d236a3a465db8c0d5b28648b9ea561d43445a76453b265fcf38f7d5d21c9972.txt
@@ -0,0 +1,33 @@
+Signature __________________________________________
+Name _____________________________________________
+Company Name ____________________________________
+Company Address ___________________________________
+ _________________________________________________
+Telephone Number __________________________________
+Email Address ______________________________________
+Date of Signature ___________________________________
+State Certification # __________________________________
+or State License # ___________________________________
+State _____________________________________________
+Expiration Date of Certification or License ________________
+SUPERVISORY APPRAISER
+
+SUBJECT PROPERTY
+
+Did not inspect subject property
+ Did inspect exterior of subject property from street
+Date of Inspection ________________________________
+ Did inspect interior and exterior of subject property
+Date of Inspection ________________________________
+
+COMPARABLE SALES
+
+Did not inspect exterior of comparable sales from street
+ Did inspect exterior of comparable sales from street
+Date of Inspection ________________________________
+
+Freddie Mac Form 465D April 2022
+
+Page 6 of 6
+
+Fannie Mae Form1073 Desktop April 2022
diff --git a/chunks/txt/3d24d603f567f9f246cedf679466f942cbea1a381551cc8d3ac02b96e057fac8.txt b/chunks/txt/3d24d603f567f9f246cedf679466f942cbea1a381551cc8d3ac02b96e057fac8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4181e4187fb5ec809789b7d126f3f295b0f21d12
--- /dev/null
+++ b/chunks/txt/3d24d603f567f9f246cedf679466f942cbea1a381551cc8d3ac02b96e057fac8.txt
@@ -0,0 +1,5 @@
+Indicated Value by Cost Approach ........................................................................................................................................................................................... 326
+
+Depreciated Cost – Dwelling – [Structure Identifier] ............................................................................................................................................................... 327
+
+Depreciated Cost - Outbuilding - [Outbuilding Type] ............................................................................................................................................................... 332
diff --git a/chunks/txt/3d2b83ba016d1626d6ee471b1def6f603f3f6c66b0c6403bdc3b7507ad2d658d.txt b/chunks/txt/3d2b83ba016d1626d6ee471b1def6f603f3f6c66b0c6403bdc3b7507ad2d658d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bc1f38b6c778560d4cae2efb0e1f6362453ecd32
--- /dev/null
+++ b/chunks/txt/3d2b83ba016d1626d6ee471b1def6f603f3f6c66b0c6403bdc3b7507ad2d658d.txt
@@ -0,0 +1,51 @@
+Appendix F-1: URAR Reference Guide
+
+Page 102 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+08 Dwelling Exterior
+
+About Condition Status for Exterior Features
+
+Condition Status must be provided for each exterior feature. If there are varying condition statuses for the
+exterior feature, choose the one that best explains the Exterior Condition Rating.
+
+Individual items that are noted to have defects, damages, or deficiencies must be reported in the Apparent
+Defects, Damages, and Deficiencies (Dwelling Exterior) subsection. If Recommended Action for the associated
+defect, damage, or deficiency is Repair, Condition Status must reflect the repaired state:
+• New or Like New, or
+• Typical Wear and Tear, or
+• Damaged and Functional
+
+Allowable Answer
+
+New or Like New
+
+Exterior Feature Condition Status (Choose one)
+
+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.
+Examples:
+•
+•
+•
+• Windows: Broken seals, painted shut, or broken sash cords.
+
+Exterior Walls and Trim: Dents to siding or minor crack to masonry.
+Foundation: Minor settlement cracks.
+Roof: Roofing is worn or patched but with no apparent active leaks.
+
+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/3d320f3e330d62e34ef2553b527bf35ee41d2632af64c12690e45b684f32a5e0.txt b/chunks/txt/3d320f3e330d62e34ef2553b527bf35ee41d2632af64c12690e45b684f32a5e0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8e07f07818789f16ddaff7968511eaed21182f90
--- /dev/null
+++ b/chunks/txt/3d320f3e330d62e34ef2553b527bf35ee41d2632af64c12690e45b684f32a5e0.txt
@@ -0,0 +1,78 @@
+Basement & Finished Rooms Below Grade
+
+• 1004/70
+
+REQUIREMENT
+
+• 1004 Hybrid/70H
+
+• 1004 Desktop/70D
+
+• 2055/2055
+
+• 1073/465
+
+• 1073 Hybrid/465H
+
+• 1073 Desktop/465D
+
+• 1075/466
+
+Line 1
+The appraiser must report:
+Total square footage of the property
+improvements below grade – If there is no
+basement, enter the numeral zero (0). No
+other information may be entered.
+Finished square footage of the property
+improvements below grade, if applicable. Do
+not indicate a percent finished.
+The type of access to the basement, if
+applicable. The allowable values are ‘Walk-
+out’ (wo), ‘Walk-up’ (wu), or ‘Interior only’ (in),
+which must be abbreviated on the appraisal
+report form to fit in the available space.
+
+In some jurisdictions, the total square footage
+of the property improvements below grade
+and/or the finished square footage of the
+property improvements below grade may not
+be available to the appraiser within the normal
+course of business. In such cases, an
+appraiser may report the estimated total
+square footage of the property improvements
+below grade and the finished area below grade
+for the comparable properties and disclose
+within the appraisal report that the size is an
+estimate and report the source and basis for
+the estimate.
+
+Line 2
+The appraiser must report the number of each
+type of finished rooms in the basement on
+Line 2 of this data field if the finished square
+footage of the basement is greater than zero.
+The room type descriptors are:
+
+rr
+
+br
+
+ba
+
+O
+
+Recreation
+room
+
+Bedroom
+
+Bathroom
+
+Other
+
+The appraiser must enter the numeral zero (0)
+if there are no rooms of a particular type. If
+the finished square footage of the basement
+is zero, no entries should be made for the
+basement room type counts.
diff --git a/chunks/txt/3d39a753f7344d476ac972981c6fbc9c52cb47b320a77be36655b77f0c9d66d0.txt b/chunks/txt/3d39a753f7344d476ac972981c6fbc9c52cb47b320a77be36655b77f0c9d66d0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6c0e443cb3a0af07dfb8f90cff99933afcc5d0ad
--- /dev/null
+++ b/chunks/txt/3d39a753f7344d476ac972981c6fbc9c52cb47b320a77be36655b77f0c9d66d0.txt
@@ -0,0 +1,43 @@
+This agreement must be executed and recorded in the applicable jurisdiction before the permanent loan is sold to Fannie
+Mae.
+
+The lender must include the applicable conversion document in its loan submission package. When amended documents are
+recorded in connection with a construction loan rider, the lender also must include a copy of the original documentation that the
+borrower signed.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 172 of 166
+
+UAD 3.6 Policy
+
+SB5-3.2-01, HomeStyle Renovation Mortgages (12/10/2025)
+
+Introduction
+
+This topic contains information on HomeStyle Renovation mortgages, including:
+
+• Overview
+• Allowable Improvements
+•
+•
+• Delivery and Recourse Requirements
+• Removal of Recourse
+
+Lender Eligibility
+Lender Responsibilities
+
+Overview
+
+The HomeStyle Renovation mortgage enables a borrower to purchase a property or refinance an existing loan and include funds
+in the loan amount to cover the costs of repairs, remodeling, renovations, or energy efficient and green features to the property.
+The loan may be delivered to Fannie Mae prior to completion of the renovation, subject to limited recourse as described below.
+
+Note: For loan casefiles underwritten through DU, DU will determine that the transaction is a HomeStyle Renovation loan if the
+Renovation indicator in Property and Loan Information (L1) is selected and there is an amount entered in Line B (L4) of the online
+loan application.
+
+Allowable Improvements
+
+There are no required improvements or restrictions on the types of renovations allowed, nor is there a minimum dollar amount
+for renovations.
diff --git a/chunks/txt/3d4ddf8a4ba301ffbd46751e0dc381612ef19b69a6b2b0914a0598e62d00ea99.txt b/chunks/txt/3d4ddf8a4ba301ffbd46751e0dc381612ef19b69a6b2b0914a0598e62d00ea99.txt
new file mode 100644
index 0000000000000000000000000000000000000000..abd14c04d8f7c123c15c46c6722264c1dcab3e1f
--- /dev/null
+++ b/chunks/txt/3d4ddf8a4ba301ffbd46751e0dc381612ef19b69a6b2b0914a0598e62d00ea99.txt
@@ -0,0 +1 @@
+(function(){'use strict';var m=typeof Object.defineProperties=="function"?Object.defineProperty:function(a,b,c){if(a==Array.prototype||a==Object.prototype)return a;a[b]=c.value;return a}; function n(a){a=["object"==typeof globalThis&&globalThis,a,"object"==typeof window&&window,"object"==typeof self&&self,"object"==typeof global&&global];for(var b=0;b>>0)+"_",f=0;return b}); r("Symbol.iterator",function(a){if(a)return a;a=Symbol("Symbol.iterator");m(Array.prototype,a,{configurable:!0,writable:!0,value:function(){return z(t(this))}}); return a}); function z(a){a={next:a};a[Symbol.iterator]=function(){return this}; return a} r("WeakMap",function(a){function b(e){this.g=(p+=Math.random()+1).toString();if(e){e=u(e);for(var k;!(k=e.next()).done;)k=k.value,this.set(k[0],k[1])}} function c(){} function d(e){var k=typeof e;return k==="object"&&e!==null||k==="function"} function f(e){if(!x(e,h)){var k=new c;m(e,h,{value:k})}} function g(e){var k=Object[e];k&&(Object[e]=function(l){if(l instanceof c)return l;Object.isExtensible(l)&&f(l);return k(l)})} if(function(){if(!a||!Object.seal)return!1;try{var e=Object.seal({}),k=Object.seal({}),l=new a([[e,2],[k,3]]);if(l.get(e)!=2||l.get(k)!=3)return!1;l.delete(e);l.set(k,4);return!l.has(e)&&l.get(k)==4}catch(da){return!1}}())return a; var h="$jscomp_hidden_"+Math.random();g("freeze");g("preventExtensions");g("seal");var p=0;b.prototype.set=function(e,k){if(!d(e))throw Error("Invalid WeakMap key");f(e);if(!x(e,h))throw Error("WeakMap key fail: "+e);e[h][this.g]=k;return this}; b.prototype.get=function(e){return d(e)&&x(e,h)?e[h][this.g]:void 0}; b.prototype.has=function(e){return d(e)&&x(e,h)&&x(e[h],this.g)}; b.prototype.delete=function(e){return d(e)&&x(e,h)&&x(e[h],this.g)?delete e[h][this.g]:!1}; return b}); function A(a,b){a instanceof String&&(a+="");var c=0,d=!1,f={next:function(){if(!d&&c *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/3d6ed648d0e5452a9e33eecb4cf88e2e0bd3491fcd8e03e0416910153bc769fa.txt b/chunks/txt/3d6ed648d0e5452a9e33eecb4cf88e2e0bd3491fcd8e03e0416910153bc769fa.txt
new file mode 100644
index 0000000000000000000000000000000000000000..70849feadb37826faaa40895c1728f0b6696441c
--- /dev/null
+++ b/chunks/txt/3d6ed648d0e5452a9e33eecb4cf88e2e0bd3491fcd8e03e0416910153bc769fa.txt
@@ -0,0 +1,35 @@
+Desktop Underwriter/Desktop Originator
+Desktop Underwriter Specification MISMO v3.4
+Integration Impact Memo
+
+July 1, 2021
+Updated Aug. 20, 2021
+
+On June 29, 2021, Fannie Mae published the updated DU Specification Version 1.8.2 (DU Spec) and DU Implementation Guide
+MISMO Version 3.4. The updated DU Spec includes changes previously communicated in the DU MISMO V3.4 Limited Production
+Period Update Integration Impact Memo and additional changes described below.
+
+Note: This integration impact memo describes new updates in the DU Spec Version 1.8.2. For a complete list of
+changes, see the DU Spec - Revision History and DU Map Update.
+
+Aug. 20, 2021: This Integration Impact Memo has been updated to reflect the following:
+
+▪ DU Spec Version 1.8.2 - New Data Points and Enumerations: Updated to indicate that certain new data points and
+enumerations in the table below may be used in DU for government loans. See the DU Spec for a complete list of data
+requirements, including conditionality and implementation notes.
+
+▪
+
+Since publication of this memo, the DU Spec v1.8.2 was updated on August 10, 2021. Visit the Technology Integration
+page to review and download the latest update.
+
+▪ Release Support: Added vendor obligations to update integrated system(s) within 120 days of notification of
+
+Specification changes.
+
+DU Spec Version 1.8.2 - New Data Points and Enumerations
+Updated Aug. 20, 2021: Since publication of this memo, the updates described below were communicated for DU Version 11.0 in
+the DU V. 11.0 September Update, and for DU for government loans in the Sept. 2021 Release.
+
+In future update, DU will implement the changes described below. These new data elements may be used to issue DU
+Underwriting Findings Messages and in any calculations in DU and DU for government loans, where applicable.
diff --git a/chunks/txt/3d75fe8b869def1e2fada195d4426160f91f34732d41876275a2517465f4fa55.txt b/chunks/txt/3d75fe8b869def1e2fada195d4426160f91f34732d41876275a2517465f4fa55.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e196ff6b4f894329108eb0a3041890c72083faa9
--- /dev/null
+++ b/chunks/txt/3d75fe8b869def1e2fada195d4426160f91f34732d41876275a2517465f4fa55.txt
@@ -0,0 +1,39 @@
+ULDD Integration Impact Memo
+
+Dec. 15, 2023
+
+Impact Memo Details
+
+Effective Date
+
+Impacted Area
+
+Dec. 13, 2023
+
+Attorney Opinion
+Letter Guide
+Expansion
+
+Description
+
+In certain circumstances, Fannie Mae began allowing an Attorney Opinion Letter in lieu of a
+title insurance policy on loans delivered to Fannie Mae.
+
+Loans collateralized by properties subject to restrictive agreements or restrictive covenants
+and properties located in condominium projects are not eligible for an attorney title
+opinion.
+
+With the implementation of this change, this restriction in the Selling Guide was removed,
+allowing those loans to be delivered to Fannie Mae effective immediately.
+
+Please review the Selling Guide announcement (B7-2-06) for more information related to
+this change.
+
+How will this affect Loan Delivery?
+
+The lender must report Special Feature Code 155 when delivering a loan that uses an attorney title opinion letter in lieu of a title
+insurance policy. This code is in addition to any other SFCs that may apply.
+
+Fannie Mae Confidential
+
+© 2023 Fannie Mae 12.12.23 Page 1 of 1
diff --git a/chunks/txt/3d9b201be9056bfcaaae7d0c4827a235d6be52544ad2038865ae52e4bb01dfee.txt b/chunks/txt/3d9b201be9056bfcaaae7d0c4827a235d6be52544ad2038865ae52e4bb01dfee.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4ffed9a00137094ecd62e46d29000829237fe90f
--- /dev/null
+++ b/chunks/txt/3d9b201be9056bfcaaae7d0c4827a235d6be52544ad2038865ae52e4bb01dfee.txt
@@ -0,0 +1,97 @@
+The tract number as used in the 2020
+decennial census, with leading zeros when
+applicable, indicating where the property is
+located.
+
+7
+
+6
+
+tract_minority_pct
+
+2020 Census Tract -
+Percent Minority
+
+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 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.
+
+MF CTF
+
+39
+
+Enterprise Public Use Database Data Dictionary
+Data Release of 2024 Acquisitions
+
+Multifamily 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.
+9999.00 = Not able to code
diff --git a/chunks/txt/3db5b79eb5bffd58d6542eeece0bc444ee65d1912919b8affe84d135037e45b8.txt b/chunks/txt/3db5b79eb5bffd58d6542eeece0bc444ee65d1912919b8affe84d135037e45b8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..10fd0c42a0eb607fd311f87cb141d3f16f9d39db
--- /dev/null
+++ b/chunks/txt/3db5b79eb5bffd58d6542eeece0bc444ee65d1912919b8affe84d135037e45b8.txt
@@ -0,0 +1,115 @@
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+UAD Requirement - Refer to Appendix D Improvements Section
+This field must contain additional comments about the condition of the property.
+
+214
+
+1
+
+206
+
+IMPROVEMENTS
+
+215
+
+1
+
+207
+
+IMPROVEMENTS
+
+216
+
+1
+
+208
+
+IMPROVEMENTS
+
+217
+
+1
+
+209
+
+IMPROVEMENTS
+
+218
+
+219
+
+220
+
+1
+
+1
+
+1
+
+210
+
+IMPROVEMENTS
+
+211
+
+IMPROVEMENTS
+
+212
+
+IMPROVEMENTS
+
+Describe the condition of the
+property and data source(s)
+(including apparent 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?
+Are there any apparent physical
+deficiencies or adverse
+conditions that affect the
+livability, soundness, or
+structural integrity of the
+property?
+No
+Are there any apparent physical
+deficiencies or adverse
+conditions that affect the
+livability, soundness, or
+structural integrity of the
+property?
+If Yes describe
+Does the property generally
+conform to the neighborhood
+(functional utility, style,
+condition, use, construction,
+etc.)?
+Yes
+Does the property generally
+conform to the neighborhood
+(functional utility, style,
+condition, use, construction,
+etc.)?
+No
+Does the property generally
+conform to the neighborhood
+(functional utility, style,
+condition, use, construction,
+etc.)?
+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[@_Ty
+pe='PropertyCondition']/@_Comment
diff --git a/chunks/txt/3dbcd0747c18564f1120ec872dfdd13943c820665de6e6c6d1ff6ac737f7afcb.txt b/chunks/txt/3dbcd0747c18564f1120ec872dfdd13943c820665de6e6c6d1ff6ac737f7afcb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..eb2a06ffe7639b5d1ffd82398c7d4dd26d1e4063
--- /dev/null
+++ b/chunks/txt/3dbcd0747c18564f1120ec872dfdd13943c820665de6e6c6d1ff6ac737f7afcb.txt
@@ -0,0 +1,37 @@
+Date: 2/11/2021
+
+Time: 1:00 - 4:00 PM
+
+Location: Online event
+
+[Appraisal Public Listening Session Agenda, Presentations, Video, Session Transcript, RFI and News Release](/news/videos/appraisal-related-policies-practices-and-processes)
+
+Sign up for email updates
+
+Leave this field blank
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [](https://www.facebook.com/FHFA)
+ - [](https://www.x.com/FHFA)
+ - [](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [](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/3dbde2fe0f3204d83c84a9d023ba7143c85eb4398f612129a223264d0553500b.txt b/chunks/txt/3dbde2fe0f3204d83c84a9d023ba7143c85eb4398f612129a223264d0553500b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cbda5250de45f535f54ab00c9b0e4be0ab12b2d4
--- /dev/null
+++ b/chunks/txt/3dbde2fe0f3204d83c84a9d023ba7143c85eb4398f612129a223264d0553500b.txt
@@ -0,0 +1,65 @@
+AddressUnitDesignatorType
+
+Redisplays from 3.000 IF AddressUnitIdentifier Exists
+
+Page 305
+
+23.02.01
+
+No label
+
+0100.0008
+
+AddressUnitIdentifier
+
+Redisplays from 3.000 IF Exists
+
+0100.0009
+
+CityName
+
+Redisplays from 3.000
+
+0100.0012
+
+StateCode
+
+Redisplays from 3.000
+
+0100.0011
+
+PostalCode
+
+Redisplays from 3.000
+
+Comparable Property Information
+
+Information about each comparable rental unit displays once, regardless of how many times a comparable rental unit is used in the
+Comparable Rental Analysis subsection (rental grids). Comparables in this subsection are displayed in Comparable # order.
+
+•
+
+Information about each comparable rental unit displayed in this section must be provided in a separate instance of the PROPERTY
+container.
+
+• Each instance of the PROPERTY container must include both a “ValuationUseType” and a “PropertyOrdinalNumber”.
+
+o “ValuationUseType” attribute must be populated as “RentalComparable”.
+
+o “PropertyOrdinalNumber” in PROPERTY/COMPARABLE/COMPARABLE_DETAIL must be populated with a unique, positive,
+
+whole number that is displayed next to “Comparable #” on the report.
+
+o A combination of these 2 data elements is used to uniquely identify a comparable rental unit.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 306
+
+• When there is more than one unit in a property and both units are used as a comparable, details about each of these units must be
+
+provided in a separate instance of the PROPERTY container using a unique value for the “PropertyOrdinalNumber”.
+
+For example, in the above snippet, comparable #4 and #5 are 2 units in the same property. Therefore, information about each of these units
+(information displayed in Comparable Rental Properties subsection and Comparable Rental Analysis subsection) must be provided in a
+separate instance of the PROPERTY container.
diff --git a/chunks/txt/3dc351ae29f1b4e5c6df60ed99962bf3ac6399d5b29219f77d1be4a1a459dec1.txt b/chunks/txt/3dc351ae29f1b4e5c6df60ed99962bf3ac6399d5b29219f77d1be4a1a459dec1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3527368664ea962f4b6624c4e47296214ccafe58
--- /dev/null
+++ b/chunks/txt/3dc351ae29f1b4e5c6df60ed99962bf3ac6399d5b29219f77d1be4a1a459dec1.txt
@@ -0,0 +1,82 @@
+1 10000001 2 2 3 2 1 1 5 1 335000 10 1 1 2 1.0000
+1 10000002 1 2 3 2 1 1 5 1 105000 9 1 1 1 0.0000
+1 10000003 1 3 3 3 1 1 5 1 460000 9 1 1 1 0.0000
+1 10000004 3 1 2 3 1 1 4 1 385000 9 1 1 1 0.0000
+1 10000005 2 2 3 4 1 1 4 1 283000 9 1 1 1 0.0000
+1 10000006 2 2 2 5 1 1 5 1 216000 10 1 1 1 0.0000
+1 10000007 2 3 3 1 2 1 2 1 833000 8 1 1 1 0.0000
+1 10000008 2 3 3 4 1 1 4 1 395000 10 1 1 1 0.0000
+1 10000009 2 3 3 3 1 1 5 1 430000 9 1 1 1 0.0000
+1 10000010 2 1 2 1 2 1 4 1 190000 7 2 2 1 0.0000
+1 10000011 3 2 3 1 1 1 3 1 313000 7 1 1 1 0.0000
+1 10000012 2 1 2 5 1 1 4 1 250000 8 1 1 1 0.0000
+1 10000013 1 3 3 3 1 1 5 1 350000 9 1 1 1 0.0000
+1 10000014 3 1 3 3 1 1 4 1 360000 10 1 1 1 0.0000
+1 10000015 2 2 2 2 1 1 3 1 111000 9 1 1 1 0.0000
+1 10000016 3 2 3 2 1 1 5 1 230000 9 1 1 1 0.0000
+1 10000017 1 2 3 3 1 1 5 1 435000 10 1 1 1 0.0000
+1 10000018 3 2 3 4 1 1 3 1 275000 9 1 1 2 1.0000
+1 10000019 3 3 3 1 1 1 5 1 845000 7 2 2 1 0.0000
+1 10000020 2 2 3 2 2 1 3 1 149000 9 3 3 1 0.0000
+1 10000021 2 3 2 3 1 1 3 1 170000 10 1 1 1 0.0000
+1 10000022 2 2 2 2 2 1 4 1 126000 9 3 3 1 0.0000
+1 10000023 3 2 3 3 1 1 4 1 375000 9 1 1 1 0.0000
+1 10000024 3 2 3 4 1 1 3 1 469000 10 1 1 1 0.0000
+1 10000025 3 1 3 3 1 1 5 1 316000 10 1 1 1 0.0000
+1 10000026 2 2 3 2 2 1 3 1 103000 8 3 3 1 0.0000
+1 10000027 3 1 3 2 1 1 4 1 215000 9 1 1 2 1.0000
+1 10000028 3 2 3 2 1 1 5 1 370000 8 1 1 1 0.0000
+1 10000029 1 2 3 3 1 1 2 1 130000 9 1 1 1 0.0000
+1 10000030 3 2 2 4 1 1 4 1 246000 7 1 1 1 0.0000
+1 10000031 3 2 3 4 1 1 5 1 557000 6 1 1 1 0.0000
+1 10000032 1 3 3 4 1 1 4 1 170000 9 1 1 2 1.0000
+1 10000033 3 2 3 2 2 1 3 1 256000 8 3 3 2 1.0000
+1 10000034 1 2 3 2 1 1 2 1 280000 6 1 1 1 0.0000
+1 10000035 3 1 2 4 1 1 4 1 130000 10 1 1 1 0.0000
+1 10000036 3 1 1 2 1 1 4 1 80000 9 1 1 2 1.0000
+1 10000037 3 1 3 2 1 1 4 1 99000 10 1 1 1 0.0000
+1 10000038 3 3 3 3 1 1 3 1 168000 9 1 1 1 0.0000
+1 10000039 1 2 3 1 2 1 2 1 142000 9 2 2 1 0.0000
+1 10000040 2 2 3 3 1 1 4 1 399000 10 1 1 1 0.0000
+1 10000041 3 2 3 5 1 1 5 1 430000 7 1 1 1 0.0000
+1 10000042 3 2 3 2 1 1 4 1 330000 10 1 1 1 0.0000
+1 10000043 2 3 2 4 1 1 3 1 215000 7 1 1 1 0.0000
+1 10000044 3 3 3 4 1 1 9 1 247000 9 1 1 1 0.0000
+1 10000045 3 2 3 2 2 1 4 1 249000 8 1 1 1 0.0000
+1 10000046 2 2 3 1 1 1 4 1 458000 8 1 1 1 0.0000
+1 10000047 3 2 2 5 1 1 4 1 211000 9 1 1 1 0.0000
+1 10000048 3 1 1 4 1 1 2 1 95000 8 1 1 1 0.0000
+1 10000049 3 1 2 1 2 1 5 1 306000 9 3 3 1 0.0000
+1 10000050 1 2 2 5 1 1 5 1 232000 7 1 1 1 0.0000
+1 10000051 3 2 3 3 1 1 4 1 175000 8 1 1 1 0.0000
+1 10000052 2 2 3 2 2 1 3 1 506000 8 3 3 1 0.0000
+1 10000053 2 3 3 2 1 1 5 1 436000 7 1 1 1 0.0000
+1 10000054 1 2 3 4 1 1 3 1 100000 8 1 1 1 0.0000
+1 10000055 3 1 3 2 1 1 4 1 345000 9 1 1 1 0.0000
+1 10000056 2 1 3 4 1 1 3 1 530000 8 1 1 1 0.0000
+1 10000057 3 1 3 4 1 1 4 1 450000 9 1 1 1 0.0000
+1 10000058 3 1 3 4 1 1 4 1 162000 7 1 1 1 0.0000
+1 10000059 2 2 3 3 2 1 5 1 293000 10 1 1 1 0.0000
+1 10000060 2 2 3 4 1 1 4 1 560000 8 1 1 2 1.0000
+1 10000061 2 3 3 1 2 1 4 1 1316000 7 1 1 1 0.0000
+1 10000062 3 1 2 4 1 1 5 1 280000 8 1 1 2 1.0000
+1 10000063 2 2 3 2 1 1 3 1 500000 10 1 1 1 0.0000
+1 10000064 1 2 3 2 1 1 5 1 50000 10 1 1 2 1.0000
+1 10000065 1 2 2 5 1 1 4 1 165000 9 1 1 1 0.0000
+1 10000066 2 3 3 4 2 1 4 1 561000 9 1 1 1 0.0000
+1 10000067 3 2 1 5 1 1 5 1 123000 9 1 1 1 0.0000
+1 10000068 2 2 2 2 2 1 2 1 209000 10 1 1 1 0.0000
+1 10000069 3 2 2 4 1 1 5 1 66000 8 2 2 1 0.0000
+1 10000070 3 1 3 4 1 1 4 1 1209000 9 1 1 1 0.0000
+1 10000071 3 1 3 4 1 1 4 1 225000 9 1 1 1 0.0000
+1 10000072 2 2 3 2 1 1 4 1 192000 10 1 1 1 0.0000
+1 10000073 3 1 3 4 1 1 5 1 600000 8 1 1 1 0.0000
+1 10000074 2 2 2 2 1 1 5 1 500000 6 1 1 1 0.0000
+1 10000075 2 3 3 2 1 1 5 1 323000 9 1 1 1 0.0000
+1 10000076 3 1 3 2 2 1 3 1 340000 9 3 3 1 0.0000
+1 10000077 2 1 3 4 1 1 4 1 155000 10 1 1 1 0.0000
+1 10000078 3 3 3 2 1 1 5 1 900000 7 1 1 1 0.0000
+1 10000079 2 2 3 1 2 1 5 1 246000 7 3 3 1 0.0000
+1 10000080 2 2 3 1 1 1 5 1 610000 7 1 1 1 0.0000
+1 10000081 3 3 3 4 1 1 2 1 655000 8 1 1 1 0.0000
+1 10000082 3 1 3
diff --git a/chunks/txt/3dc89c21b35b85387f7426882e48c4ac95d82fa569774450263a5a46b671ddbd.txt b/chunks/txt/3dc89c21b35b85387f7426882e48c4ac95d82fa569774450263a5a46b671ddbd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c5fd749e632dba61576d822532061436c390f56c
--- /dev/null
+++ b/chunks/txt/3dc89c21b35b85387f7426882e48c4ac95d82fa569774450263a5a46b671ddbd.txt
@@ -0,0 +1,7 @@
+4i. Recoding .............................................................................................................................................. 6
+
+4j. Bottom Coding and Top Coding .......................................................................................................... 6
+
+5. Sample Design, Weighting, and Variance Estimation .............................................................................. 7
+
+5a. Sample Design .................................................................................................................................... 7
diff --git a/chunks/txt/3dcdaeb1e6aa6008547aeb26550e04047ecdf1e2d043387018ea963a121ecd11.txt b/chunks/txt/3dcdaeb1e6aa6008547aeb26550e04047ecdf1e2d043387018ea963a121ecd11.txt
new file mode 100644
index 0000000000000000000000000000000000000000..db399b8b68151cfb6c06860681e61a9115d043ed
--- /dev/null
+++ b/chunks/txt/3dcdaeb1e6aa6008547aeb26550e04047ecdf1e2d043387018ea963a121ecd11.txt
@@ -0,0 +1,8 @@
+Lenders, servicers, landlords, real estate professionals, housing counselors, as well as the homeowners and renters they serve, can benefit from critical materials that have been developed. These documents have been translated to offer these valuable materials in Spanish, traditional Chinese, Vietnamese, Korean and Tagalog languages to support those who may face additional challenges with limited English proficiency.
+
+For additional consumer-facing resources, please visit the following website [https://www.cfpb.gov/housing](https://www.consumerfinance.gov/housing) as a centralized COVID-19 support repository created by the Consumer Financial Protection Bureau (CFPB), Federal Housing Finance Agency (FHFA), and Department of Housing and Urban Development (HUD).
+
+- [View Mortgage Assistance Application](/mortgage-translations/document/mortgage-assistance-application)
+
+***LEGAL DISCLAIMER***
+*This Mortgage Translations clearinghouse is intended to serve as a resource for institutions serving consumers with limited proficiency in English. The material presented is for informational purposes only. FHFA is not liable for any inaccuracies in translated materials or misunderstandings due to language usage or dialect. The Mortgage Translations clearinghouse may include material created by parties other than FHFA and contains hyperlinks to materials hosted by Fannie Mae and Freddie Mac. While the Mortgage Translations clearinghouse provides a centralized location for relevant materials and information, FHFA does not endorse or guarantee the accuracy of any such third-party materials and information. Recent updates to third-party materials and information may not be reflected immediately on the Mortgage Translations clearinghouse.*
diff --git a/chunks/txt/3dd0fc82f6e6105ca020584308badfed3e171e2e5b3219553c4c81681410c0f2.txt b/chunks/txt/3dd0fc82f6e6105ca020584308badfed3e171e2e5b3219553c4c81681410c0f2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cdc90bcfccbc140cd014967dbe8752fcfdcfcc03
--- /dev/null
+++ b/chunks/txt/3dd0fc82f6e6105ca020584308badfed3e171e2e5b3219553c4c81681410c0f2.txt
@@ -0,0 +1,102 @@
+Car Storage
+Location Exists
+Indicator
+
+Indicates that the type of car storage
+described in Car Storage Location Type
+and Car Storage Attachment Type is
+present.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE
+/CAR_STORAGE_LOCATION[@_Type='Garage']/@_ExistsIndicator
+
+194
+
+1
+
+187
+
+IMPROVEMENTS Garage # of Cars
+
+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/STRUCTURE/CAR_STORAGE
+/CAR_STORAGE_LOCATION[@_Type='Garage']/@ParkingSpacesCount
+
+195
+
+1
+
+188
+
+IMPROVEMENTS Carport
+
+Car Storage
+Location Exists
+Indicator
+
+Indicates that the type of car storage
+described in Car Storage Location Type
+and Car Storage Attachment Type is
+present.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE
+/CAR_STORAGE_LOCATION[@_Type='Carport']@_ExistsIndicator
+
+196
+
+1
+
+189
+
+IMPROVEMENTS Carport # of Cars
+
+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/STRUCTURE/CAR_STORAGE
+/CAR_STORAGE_LOCATION[@_Type='Carport']/@ParkingSpacesCount
+
+1
+
+2
+
+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.
+
+1
+
+2
+
+1
+
+2
+
+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
diff --git a/chunks/txt/3dde54e7cb72430e5af559a2d3f6a252492ad5028b35bcc1b8b2bd634c1e78f3.txt b/chunks/txt/3dde54e7cb72430e5af559a2d3f6a252492ad5028b35bcc1b8b2bd634c1e78f3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6e32b620fa0fb72b14b26a1c4929611bdd5ac698
--- /dev/null
+++ b/chunks/txt/3dde54e7cb72430e5af559a2d3f6a252492ad5028b35bcc1b8b2bd634c1e78f3.txt
@@ -0,0 +1,101 @@
+State
+
+08.022
+08.037
+
+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.”
+
+Expires
+
+08.023
+08.038
+
+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
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+ASC Identifier
+
+If applicable
+
+Free-form
+
+VA Appraiser ID
+
+If applicable
+
+Free-form
+
+FHA Appraiser ID
+
+If applicable
+
+Free-form
+
+Report
+Field ID
+
+08.024
+08.039
+
+08.025
+08.040
+
+08.026
+08.041
+
+Definition / Additional Guidance
+
+A unique identifier for the individual appraiser or supervisory appraiser as
+assigned by the Appraisal Subcommittee.
+Note: If ASC Identifier is not populated for a contact, it does not display.
+
+A unique identifier for the individual appraiser as assigned by the U.S.
+Department of Veterans Affairs. Only one identifier per individual.
+
+Reference VA appraisal guidelines for more information.
+
+A unique identifier for the individual appraiser as assigned by the U.S. Federal
+Housing Administration.
+
+Reference FHA appraisal guidelines for more information.
+
+Appendix F-3: Completion Report Reference Guide
+
+Page 27 of 33
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+08 Assignment Information
+
+Assignment Information: Contact Information – Other Information about Appraiser and Supervisory Appraiser
+
+Report
+Field ID
+
+Report Label
+
+When to Include
diff --git a/chunks/txt/3de5cb0a2bf8800ee306ecafe11200f3cec5808110dc4a616127d13ebca1b5f8.txt b/chunks/txt/3de5cb0a2bf8800ee306ecafe11200f3cec5808110dc4a616127d13ebca1b5f8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6a5e311aecc76d1d678c03b2ca63f3bbf6a3c59b
--- /dev/null
+++ b/chunks/txt/3de5cb0a2bf8800ee306ecafe11200f3cec5808110dc4a616127d13ebca1b5f8.txt
@@ -0,0 +1,21 @@
+The 2024 Enterprise PUDB Data Dictionary has been consolidated into a single PDF document instead of multiple PDF documents. The 2024 release also includes an Excel version of the Data Dictionary. Both versions will include an additional column that shows the names of each data field provided in the CSV format of the data with a header row.
+
+### Future Release Notes
+
+FHFA plans to release future Enterprise PUDB data in the CSV format only, beginning with the 2025 Enterprise PUDB in September 2026. The TXT format without a header row will be discontinued.
+
+FHFA also plans to discontinue the Enterprise PUDB Single-Family National File A, beginning with the 2025 Enterprise PUDB in September 2026. Users will be able to find exactly the same data except for LTV in the 2025 Enterprise PUDB Single-Family National File B by filtering for owner-occupied 1-unit properties. LTV will be available in the 2025 Enterprise PUDB Census Tract File.
+
+In addition, PUDB data for both Enterprises will be combined into a single file for each type of 2025 Enterprise PUDB file. However, it will still be feasible to identify and separate data by each Enterprise using the Enterprise flag in data.
+
+### Documentation
+
+Data Dictionary [[.pdf]](/document/2024-enterprise-pudb-data-dictionary.pdf) [[.xlsx]](/document/2024-enterprise-pudb-data-dictionary.xlsx)
+
+- **FHFA PUDB Orders and Federal Register Notices**
+
+- [Notice of Order No. 2020–N–11](https://www.govinfo.gov/content/pkg/FR-2020-06-03/pdf/2020-11819.pdf)
+- [Notice of Order No. 2011–N–11](https://www.govinfo.gov/content/pkg/FR-2011-09-28/pdf/2011-24791.pdf)
+- [Notice of Order No. 2010–N–10](https://www.govinfo.gov/content/pkg/FR-2010-07-15/pdf/2010-17119.pdf)
+- [Privacy and Proprietary Determination Matrices](/sites/default/files/2024-01/PUDB-Matrices_05-27-2020.xlsx)
+**Contact**
diff --git a/chunks/txt/3dfbbb7407d3a81a454c01799b8a629851d9d67418e746e6da8353c242e059fe.txt b/chunks/txt/3dfbbb7407d3a81a454c01799b8a629851d9d67418e746e6da8353c242e059fe.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c9b5b568e2444b9af98ee3cc2192d88b2340c648
--- /dev/null
+++ b/chunks/txt/3dfbbb7407d3a81a454c01799b8a629851d9d67418e746e6da8353c242e059fe.txt
@@ -0,0 +1,336 @@
+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
+
+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
+
+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
+
+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
+
+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
+
+Page 16 of 211
+
+Document Version 1.4
+
+MISMO Data Point Name
+
+..._PER_UNIT_FEE
+Project Per Unit Fee Amount**
+
+Project Per Unit Fee Period Type**
+
+.PROPERTY
+..PROJECT
+...PROJECT_EXTENSION
+….PROJECT_EXTENSION_SECTION
+Extension Section Organization Name
+…..PROJECT_EXTENSION_SECTION_DATA
+……PROJECT_COMMERCIAL
+GSE Project Commercial Space Percent
+
+.PROPERTY
+..NEIGHBORHOOD
+Neighborhood Name**
+
+Neighborhood Description**
+
+Neighborhood Builtup Range Type**
+
+Neighborhood Demand Supply Type**
+
+Neighborhood Growth Pace Type**
+
+Property Neighborhood Location Type
+
+Neighborhood Market Conditions Description**
+
+Neighborhood Property Value Trend Type**
+
+Neighborhood Typical Marketing Time Duration Type**
+
+.PROPERTY
+..NEIGHBORHOOD
+..._HOUSING
+Neighborhood Housing Type**
diff --git a/chunks/txt/3e126551f6ab2394bd45e074f76d7f7d863a4bec0748b8576a912063a9c4faaa.txt b/chunks/txt/3e126551f6ab2394bd45e074f76d7f7d863a4bec0748b8576a912063a9c4faaa.txt
new file mode 100644
index 0000000000000000000000000000000000000000..503cffbf4787cc127b97ac20160a93c56f92b025
--- /dev/null
+++ b/chunks/txt/3e126551f6ab2394bd45e074f76d7f7d863a4bec0748b8576a912063a9c4faaa.txt
@@ -0,0 +1,91 @@
+Ceramic Tile
+
+18” square stone tile.
+
+New or Like New
+
+Engineered Wood
+
+6” engineered oak plank.
+
+New or Like New
+
+Condition Comment
+
+Walls and Ceiling
+
+9 Ft. | 10 or more feet | Beams
+
+Beamed 10’ ceilings
+on the first level.
+
+New or Like New
+
+Overall Update Status for
+Flooring
+
+Fully Updated
+
+Apparent Defects, Damages, Deficiencies (Unit Interior)
+
+None
+
+Appraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)
+
+Uniform Residential Appraisal Report
+
+Page 8 of 24
+Page 8 of 24
+
+Unit Interior (continued)
+
+Unit Interior Exhibits
+
+Level B1 - Bath - Full
+
+Level B1 - Bedroom - Bedroom 1
+
+This is where the Full Bathroom 1 photo would display.
+
+This is where the Bedroom 1 photo would display.
+
+Level B1 - Bedroom - Bedroom 2
+
+Level B1 - Family Room
+
+This is where the Bedroom 2 photo would display.
+
+This is where the Family Room 1 photo would display.
+
+Level B1 - Sunroom
+
+Level 1 - Bath - Full
+
+This is where the Sunroom photo would display.
+
+This is where the Full Bathroom 2 photo would display.
+
+Level 1 - Bath - Half
+
+Level 1 - Bedroom
+
+This is where the Half Bathroom photo would display.
+
+This is where the Bedroom 3 photo would display.
+
+Appraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)
+
+Uniform Residential Appraisal Report
+
+Page 9 of 24
+Page 9 of 24
+
+Unit Interior (continued)
+
+Level 1 - Dining Room
+
+Level 1 - Family Room
+
+This is where the Dining Room photo would display.
+
+This is where the Family Room 2 photo would display.
diff --git a/chunks/txt/3e249034c50c0988b7fbb75c68f6bfb8d13e4ef6928455e48cf68e001e7f1a97.txt b/chunks/txt/3e249034c50c0988b7fbb75c68f6bfb8d13e4ef6928455e48cf68e001e7f1a97.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ce30fe36b75d496fc887f8e603a5c156a0d67aa6
--- /dev/null
+++ b/chunks/txt/3e249034c50c0988b7fbb75c68f6bfb8d13e4ef6928455e48cf68e001e7f1a97.txt
@@ -0,0 +1,28 @@
+DU Validation Service Update
+
+Desktop Originator® Submissions (added to release notes July 12, 2023)
+
+Currently verification reports are only obtained by the DU validation service for Desktop Originator (DO®) loan casefiles when a
+sponsoring lender has been selected. Effective the weekend of Aug. 19, 2023, verification reports will now be obtained for DO loan
+casefiles submitted using Preliminary Findings. This will allow Preliminary Findings loan casefiles to receive validation messages,
+use the positive rent payment history feature, and use the cash flow assessment feature available for DU loan casefiles.
+
+Large Deposits
+
+To enhance the security of borrower data in the DU Underwriting Findings report, Account Numbers displayed in the DU
+validation service message about large deposits will be truncated to the last four characters.
+
+New Duty to Serve Message (added to release notes July 12, 2023)
+
+A new Observation message will be issued on principal residence, HomeStyle® Renovation and HomeStyle Energy loan casefiles
+where the total qualifying income is equal to or less than 100% of AMI. This message will remind lenders that if the improvements
+being made on the HomeStyle Renovation or HomeStyle Energy loan include at least one EnergyStar®-certified improvement,
+then the loan may be eligible for the Duty to Serve LLPA Waiver.
+
+Updates to Align with the Selling Guide
+
+Condominium Message
+
+Selling Guide Announcement SEL-2023-02 required the use of Condo Project Manager™ (CPM™) for all condo projects being
+reviewed under the Full Review process. The message issued by DU when a Full Review of the condo project is required will reflect
+this requirement.
diff --git a/chunks/txt/3e3422956e1d81605571f5b277b40448ff02122325130778f3383934e9432c4b.txt b/chunks/txt/3e3422956e1d81605571f5b277b40448ff02122325130778f3383934e9432c4b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d2da684dfd129e60c49a35b2b2acc11bcf202070
--- /dev/null
+++ b/chunks/txt/3e3422956e1d81605571f5b277b40448ff02122325130778f3383934e9432c4b.txt
@@ -0,0 +1,108 @@
+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
+
+$866,000
+04/10/2019
+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 subject’s sales contract was analyzed with no seller concessions reported.
+
+Prior Sale and Transfer History
+
+Subject Transfer History
+
+Prior sales and/or transfers of the subject property (minimum 3 year look back)
+Transfer Terms
+Typically Motivated
+
+Date
+08/16/2016
+
+Amount
+$750,000
+
+Data Source
+Assessor Record
+
+Analysis of Prior Sale and Transfer History of Subject Property Sale from builder to current owner.
+
+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
+Assessor Record
+
+Date
+12/12/2018
+
+Amount
+$725,000
+
+2
+
+3
+
+4
+
+5
+
+None
+
+None
+
+Typically Motivated
+
+05/30/2017
+
+$715,000
+
+None
+
+MLS
+
+MLS
+
+MLS
+
+MLS
+
+Analysis of Prior Sale and Transfer History of Comparable Sales Comparables #1 and #4 are the only properties that have had a transfer
+within the past two years.
+
+Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 13 of 22
+
+Sales Comparison Approach
diff --git a/chunks/txt/3e3ce518df7ef7ffdacad273df9753f1d718ba6176f4f8afbc2eb572845bf8c6.txt b/chunks/txt/3e3ce518df7ef7ffdacad273df9753f1d718ba6176f4f8afbc2eb572845bf8c6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f419314c2680dadbecb64e53d77631c1bd93508f
--- /dev/null
+++ b/chunks/txt/3e3ce518df7ef7ffdacad273df9753f1d718ba6176f4f8afbc2eb572845bf8c6.txt
@@ -0,0 +1,64 @@
+All Rights Included in Appraisal
+
+Rights Not Included
+Mineral Rights Leased
+
+3.027
+
+3.028
+
+3.029
+
+Description of Rights Not Included
+
+3.030
+
+3.019
+
+3.020
+
+3.021
+
+3.022
+
+3.023
+3.024
+
+3.025
+
+Description of Ground Rent and Impact to Value/Marketability
+
+3.026
+
+Legal Description
+
+3.031
+
+3.031.1 | 3.031.2
+
+Subject Property Commentary
+
+3.032
+
+Subject Property Exhibits
+3.033.1 | 3.033.2
+
+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)
+
+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/3e5166392284427725ee1fe760b21ac21444209bef072b34051d2cd63b16cdab.txt b/chunks/txt/3e5166392284427725ee1fe760b21ac21444209bef072b34051d2cd63b16cdab.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3ca81484a204f8ef0558906201c0b94ba5cf0028
--- /dev/null
+++ b/chunks/txt/3e5166392284427725ee1fe760b21ac21444209bef072b34051d2cd63b16cdab.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\/661","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/3e7749036dee5cd77a61d02e3db84f2091b081bd8d477776f51ecb4ddf5bc406.txt b/chunks/txt/3e7749036dee5cd77a61d02e3db84f2091b081bd8d477776f51ecb4ddf5bc406.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ddbdc71297b19824870eb2bbe3e69a0d213b434b
--- /dev/null
+++ b/chunks/txt/3e7749036dee5cd77a61d02e3db84f2091b081bd8d477776f51ecb4ddf5bc406.txt
@@ -0,0 +1,106 @@
+System
+Forced Warm Air
+
+Centralized
+
+Detail
+Electric
+
+Apparent Defects, Damages, Deficiencies (Dwelling Exterior)
+
+None
+
+Dwelling Exterior Commentary
+
+Subject is a newly installed manufactured home.
+
+Dwelling Exterior Exhibits
+
+Dwelling Rear
+
+This is where the Dwelling Rear photo would display.
+
+Manufactured Home
+
+Manufacturer Name
+Year Installed
+Moved Since Original Installation No
+
+Really Nice Homes
+2019
+
+Attached to Permanent
+Foundation
+Towing Hitch, Wheels, Axles
+Removed
+Manufactured Home Width
+Skirting
+
+Yes
+
+Yes
+Multi
+Vinyl
+
+Yes No
+Have there been any modifications, attachments or additions that rely on or have altered the original structure for support?
+
+HUD Data Plate
+
+HUD Data Plate Attached
+Date of Manufacture
+Serial Number
+
+Yes
+01/15/2019
+orflw48A25709-gh13/
+orflw48B25709-gh13
+
+HUD Wind Zone
+HUD Thermal Zone
+HUD Roof Load Zone
+
+Zone I
+Zone 3
+South
+
+Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 8 of 30
+Page 8 of 30
+
+Manufactured Home (continued)
+
+HUD Certification Label
+
+Label Present for All Sections
+
+Yes
+
+HUD Certification Number
+
+ore369497
+ore369498
+
+Invoice Information
+
+Purchased from Retailer
+Retailer Name
+
+Yes
+Good Deal Manufactured
+Homes
+
+Retailer’s Invoice Reviewed
+Yes
+Manufacturer’s Invoice Reviewed Yes
+Yes
+Invoice(s) Appear Reasonable
+
+Manufactured Home Commentary
+
+This was a new Manufactured home installed with existing site structures which is why the home is newer than other structures and amenities.
+
+Manufactured Home Exhibits
diff --git a/chunks/txt/3e8b627b2f7617a98e2b79d3c57af38c6b0e862fb1e49b000b83c6eb68f10934.txt b/chunks/txt/3e8b627b2f7617a98e2b79d3c57af38c6b0e862fb1e49b000b83c6eb68f10934.txt
new file mode 100644
index 0000000000000000000000000000000000000000..73bdbf90bf423e0bce2ac650858ec48c7ae6cbe7
--- /dev/null
+++ b/chunks/txt/3e8b627b2f7617a98e2b79d3c57af38c6b0e862fb1e49b000b83c6eb68f10934.txt
@@ -0,0 +1,152 @@
+Seller Name
+Current Owner of Public Record
+
+Purchase
+Betty Borrower
+Bob Borrower
+John Doe
+John 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
+
+ABC Mortgage Company
+456 Somewhere Ave
+Sometown, NV 55555
+
+Company Name
+
+Company Address
+
+Appraiser
+
+Name
+Company Name
+Company Address
+
+ZYX Appraisal Management
+Company
+123 Main St
+Somecity, IA 40121
+
+Credentials
+
+ID
+State
+Expires
+
+222222
+MD
+12/15/2020
+
+Amy Appraiser
+XYZ Appraisal Company
+22 A St NE
+Washington DC 10001
+
+Credentials
+
+Level
+ID
+State
+Expires
+
+Licensed Residential Appraiser
+3333333333
+MD
+02/21/2021
+
+Scope of Inspection by Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date
+
+Physical
+Physical
+08/07/2019
+
+Subject Property
+
+Physical Address
+
+County
+Neighborhood Name
+
+1234 Anywhere Pl
+Anyplace, MD 20854
+River
+Three Trees
+
+Attachment Type
+Units Excluding ADUs
+Accessory Dwelling Units
+Special Tax Assessments
+
+Attached
+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
+
+Block H Lot XX of Wheel of Fortune
+
+Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024
diff --git a/chunks/txt/3eb87d7f3c7b648facde1c33ace153cf4218f098524a7ed8941312683bab48ba.txt b/chunks/txt/3eb87d7f3c7b648facde1c33ace153cf4218f098524a7ed8941312683bab48ba.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a6c7d57aaa351e3f276485a7dd1bd5b39a556cb3
--- /dev/null
+++ b/chunks/txt/3eb87d7f3c7b648facde1c33ace153cf4218f098524a7ed8941312683bab48ba.txt
@@ -0,0 +1,75 @@
+434
+
+3
+
+e-20
+
+SALES
+COMPARISON
+APPROACH
+
+Basement & Finished
+(Line 1)
+
+GSE Basement Exit
+Type
+
+The type of exit for a basement.
+Describes how the basement can be
+accessed.
+
+/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/@GSEBelowGradeTotalSquareFeetNumber
+
+/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/@GSEBelowGradeFinishSquareFeetNumber
+
+/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/@GSEBasementExitType
+
+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.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_
+ADJUSTMENT[@_Type='BasementArea']/@_Amount
+
+435
+
+436
+
+3
+
+3
+
+95
+
+e-21
+
+SALES
+COMPARISON
+APPROACH
diff --git a/chunks/txt/3ebb626df59330af7cfabaec736867fde84286841e21a72370697062a8d8e8b8.txt b/chunks/txt/3ebb626df59330af7cfabaec736867fde84286841e21a72370697062a8d8e8b8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f7459cd8799c7f1e2a64c5e937185abc1a3b765e
--- /dev/null
+++ b/chunks/txt/3ebb626df59330af7cfabaec736867fde84286841e21a72370697062a8d8e8b8.txt
@@ -0,0 +1,96 @@
+q Check in periodically with GSE web
+sites and watch for communications.
+
+Check in with Your Appraisal
+Software Vendor
+
+q Make sure your vendor is aware of
+
+the new UAD and is building
+to it.
+
+q Work with your vendor to identify
+any needed process changes.
+
+q Look for vendor-specific training
+
+opportunities.
+
+Test and Verify
+
+q Test any updated systems for
+
+completing/submitting appraisal
+report.
+
+q Make sure any operational changes
+are made and working as intended.
+
+2023
+
+2023-2024
+
+2024
+
+M A R C H 2 0 2 3
+
+12
+
+Appraisal Management Company (AMC) Roadmap
+
+Spec Delivery
+
+Prepare Your Appraisers
+
+Test and Verify
+
+q UAD 3.6 spec delivered to industry.
+
+q Check in with all partners to
+determine possible impacts.
+q Start thinking about allocating
+
+resources you'll need to implement
+changes to your process.
+
+q Identify needed process changes
+
+and effectively communicate them.
+
+q Develop training for your appraisers
+
+and staff around ordering and
+receiving.
+
+q Leverage GSE and industry training
+on the new URAR while you train
+your appraisers on your own
+process updates.
+
+q Offer your appraisers opportunities
+to test any updated systems or
+changes to process.
+
+q Make sure any operational changes
+are made and working as intended.
+
+2023
+
+2023-2024
+
+2024
+
+M A R C H 2 0 2 3
+
+13
+
+Ready to Build? Some Things to Consider
+
+We strongly encourage all stakeholders and vendors to begin preparing and building to the spec now.
+The previous slides provide roadmaps to help you do just that. Here are some things to consider leading
+up to that point and who they impact:
+
+Consideration
+
+Appraisal Forms
+Vendors
diff --git a/chunks/txt/3ebdf7941267fcc9421bd8e7757ad431a86cad470f0eb90a5485cd9350335ca7.txt b/chunks/txt/3ebdf7941267fcc9421bd8e7757ad431a86cad470f0eb90a5485cd9350335ca7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c53b1896ef28b4b178d4a4f7f8795b40446ab434
--- /dev/null
+++ b/chunks/txt/3ebdf7941267fcc9421bd8e7757ad431a86cad470f0eb90a5485cd9350335ca7.txt
@@ -0,0 +1,21 @@
+[Website & Social Media Policies](/about/fhfa-policies/website-privacy-policy) Our privacy policy is clear: we will collect no personal information about you when you visit our website unless you voluntarily choose to provide that information to... [Vulnerability Disclosure Policy](/about/fhfa-policies/vulnerability-disclosure) The Federal Housing Finance Agency is committed to ensuring the security of the American public by protecting their information. This policy is intended... [Whistleblower Protections](/about/fhfa-policies/whistleblower-protections) The Whistleblower Protection Act (WPA) prohibits taking or not taking a personnel action (or threatening either) with respect to any employee or applicant... [API Terms of Service](/about/fhfa-policies/api-terms-of-service) FHFA may offer some of its public data in machine readable format via an Application Programming Interface (“API”). These Terms of Service (“TOS”)...
+
+Sign up for email updates
+
+Leave this field blank
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [](https://www.facebook.com/FHFA)
+ - [](https://www.x.com/FHFA)
+ - [](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [](https://www.linkedin.com/company/fhfa/)
diff --git a/chunks/txt/3ed64a3d57fa92bd4699c72026e23de109810d7551926467318b66da9f8996b2.txt b/chunks/txt/3ed64a3d57fa92bd4699c72026e23de109810d7551926467318b66da9f8996b2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fa01253a4c01f95a3d660a99e45e4b5ac87dfea9
--- /dev/null
+++ b/chunks/txt/3ed64a3d57fa92bd4699c72026e23de109810d7551926467318b66da9f8996b2.txt
@@ -0,0 +1,74 @@
+Other (Describe)
+
+Select Other to enter an answer that is not in the above list.
+
+Apparent Defects, Damages, Deficiencies (Site)
+
+The appraiser must report any significant items pertaining to the site, 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
+
+Appendix F-1: URAR Reference Guide
+
+Page 79 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Example:
+
+04 Site
+
+Any other items that do not require repair, replacement, or inspection may also be reported using the
+Recommended Action of None.
+
+Reference the appropriate government agency appraisal guidelines for specific requirements.
+
+Apparent Defects, Damages, Deficiencies (Site)
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+4.099
+
+N/A
+
+Always required
+
+Yes |No
+
+Definition / Additional Guidance
+
+Site Defects Exist: Indicates whether there are apparent defects, damages. or
+deficiencies related to the Site section.
+•
+
+If No, “None” displays, and the Apparent Defects, Damages, Deficiencies
+(Site) table does not display.
+
+4.099
+
+N/A
+
+Displays when Site
+Defects Exist is Yes
+
+N/A
+
+The items listed below represent the As Is condition as of the effective date of
+this report
diff --git a/chunks/txt/3ed9afdf4d6523934cf58b4d0c46bcaabfac57e2157f2a77854ee2aea56f3911.txt b/chunks/txt/3ed9afdf4d6523934cf58b4d0c46bcaabfac57e2157f2a77854ee2aea56f3911.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7e8d70eb076de3ed568285d3aa66aa631b0be361
--- /dev/null
+++ b/chunks/txt/3ed9afdf4d6523934cf58b4d0c46bcaabfac57e2157f2a77854ee2aea56f3911.txt
@@ -0,0 +1,103 @@
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+The appraisal report must indicate the finished square footage in whole numbers only,
+no commas. If 0% finished, a value of zero (0) must be entered.
+
+5
+
+Numeric
+
+PDF Display Format:
+Square footage, numeric, to 5-digits: 12345 maximum.
+
+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
+
+Form FNM 1073 FRE 465
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 110 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
+
+361
+
+3
+
+e-20
+
+SALES
+COMPARISON
+APPROACH
+
+Basement & Finished
+(line 1)
+
+(Basement Exit Type)
+
+GSE Basement
+Exit Type
+
+The type of exit for a basement.
+Describes how the basement can be
+accessed.
+
+/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/@GSEBasementExitType
+
+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/3edcd503083c22381ed4d6a04bf4ae43669f810ea6eddbc27b25e2b062687c40.txt b/chunks/txt/3edcd503083c22381ed4d6a04bf4ae43669f810ea6eddbc27b25e2b062687c40.txt
new file mode 100644
index 0000000000000000000000000000000000000000..06cc222b7ca53eabadfbd2b79e5d4dd32bb46fc8
--- /dev/null
+++ b/chunks/txt/3edcd503083c22381ed4d6a04bf4ae43669f810ea6eddbc27b25e2b062687c40.txt
@@ -0,0 +1,51 @@
+WHEREAS, the Enterprises also separately
+
+report to FHFA certain single-family and
+multifamily mortgage data for safety and
+soundness and other regulatory purposes;
+
+Whereas, section 1127 of the Housing and
+Economic Recovery Act of 2008 (HERA), Pub.
+L. 110–289 (July 30, 2008), amended section
+1326 of the Safety and Soundness Act by
+requiring that, subject to privacy
+considerations as described in section 304(j)
+of the Home Mortgage Disclosure Act of 1975
+(HMDA), the Director of FHFA shall, by
+
+regulation or order, make public certain data
+related to high-cost single-family loans
+purchased and securitized by the Enterprises
+collected by the Director under section
+1324(b)(6) of the Safety and Soundness Act,
+as amended by HERA, see 12 U.S.C.
+4544(b)(6), 4546(d);
+
+Whereas, to comply with sections
+1324(b)(6) and 1326(d) of the Safety and
+Soundness Act, as amended, it is necessary
+to revise the single-family matrix of FHFA’s
+Public Use Database (PUDB) by adding a new
+National File C incorporating the high-cost
+securitized loan data elements required
+thereunder;
+
+Whereas, high-cost single-family
+securitized loan data containing the
+characteristics set forth in section 1324(b)(6),
+as further specified in the new National File
+C, are available in FHFA and Enterprise
+databases for 2010;
+
+Whereas, 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 HERA
+amendments to the Safety and Soundness
+Act that eliminated the previous low- and
+moderate-income housing, special affordable
+housing, and underserved areas housing
+goals and established new housing goals and
+related definitions effective for 2010 and
+beyond, see 12 U.S.C. 4561 through 4563;
diff --git a/chunks/txt/3ee0fca36bc75822ad0d64db11c21077f55710caadebdf3182338de5b70765b8.txt b/chunks/txt/3ee0fca36bc75822ad0d64db11c21077f55710caadebdf3182338de5b70765b8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c60a5dd2f00365fd8da2341a9b4c1a29e5902050
--- /dev/null
+++ b/chunks/txt/3ee0fca36bc75822ad0d64db11c21077f55710caadebdf3182338de5b70765b8.txt
@@ -0,0 +1,79 @@
+• Assist with transitioning to the redesigned report.
+
+April 2025 | 14
+
+Potential Impacts to Your Business Processes
+
+Loan Origination
+
+Order & Receive Appraisal
+
+Loan Delivery & Servicing
+
+Other
+
+• Understand property characteristics using updated data requirements
+
+• Review Appraisal Fee on the Loan Estimate and Closing Disclosure
+
+• Determine appraisal scope of work and pricing structure (billing fee tables)
+
+• Assess Mortgage Insurance processes
+
+April 2025 | 15
+
+Potential Impacts to Your Business
+
+Loan Origination
+
+Order & Receive Appraisal
+
+Loan Delivery & Servicing
+
+Other
+
+• Update Engagement Letter after review of the new UAD, which now includes common lender overlays
+
+o Make sure the order specifies whether appraiser should use legacy UAD 2.6 or new UAD 3.6
+
+during the transition period
+
+• Assign AMC and/or appraiser (including consideration of product competency)
+
+• Measure service-level agreement (SLA) for turn time
+
+• Confirm that type of appraisal received is what was ordered (learn how to read the new
+
+report, billing)
+
+• Submit to UCDP and review feedback/SSR for exceptions as needed
+
+• Perform risk-based reviews including workflow routing and appraisal quality (e.g., underwriting, pre /
+
+post closing)
+
+April 2025 | 16
+
+Potential Impacts to Your Business
+
+Loan Origination
+
+Order & Receive Appraisal
+
+Loan Delivery & Servicing
+
+Other
+
+• Correspondent Lending: SSR requirements including message severity
+
+• Loan Delivery: ULDD Phase 5 data points
+
+• Review Servicing processes
+
+April 2025 | 17
+
+Potential Impacts to Your Business
+
+Loan Origination
+
+Order & Receive Appraisal
diff --git a/chunks/txt/3ef51fe8368368b2992ec54bf042e4196dfe88a9fc0f91ce89e0535b50088935.txt b/chunks/txt/3ef51fe8368368b2992ec54bf042e4196dfe88a9fc0f91ce89e0535b50088935.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3e255e81426a7ef62099b6c79598cade4369d0d0
--- /dev/null
+++ b/chunks/txt/3ef51fe8368368b2992ec54bf042e4196dfe88a9fc0f91ce89e0535b50088935.txt
@@ -0,0 +1,75 @@
+Choose an
+allowable answer
+from table (Cost to
+Repair Reporting
+Method)
+
+Cost to Repair Reporting Method: Indicates how the cost to repair amount will
+be provided.
+•
+•
+•
+
+None
+Total Cost
+Itemized
+
+Required for each
+defect, damage, or
+deficiency when Cost
+to Repair Reporting
+Method is Itemized,
+and Recommended
+Action is Repair
+
+Displays when Cost to
+Repair Reporting
+Method is Itemized
+
+Required when Cost to
+Repair Reporting
+Method is Total Cost
+
+Dollar amount
+
+The estimated cost to repair or replace the identified item.
+
+Dollar amount
+
+Calculated: Sum of Estimated Cost to Repair for all applicable defects, damages,
+and deficiencies in the appraisal report.
+
+Dollar amount
+
+The total estimated cost to repair or replace all applicable defects, damages,
+and deficiencies in the appraisal report, provided as a lump sum.
+
+Allowable Answer
+
+Definition / Additional Guidance
+
+Cost to Repair Reporting Method (Choose one)
+
+None
+
+Total Cost
+
+Itemized
+
+The appraiser does not provide any cost to repair information (Example 1).
+
+The appraiser provides the Total Estimated Cost of Recommended Repairs as a lump sum (Example 2).
+•
+
+Total Estimated Cost of Items Recommended for Repair (26.072) displays underneath the Defects, Damages, and
+Deficiencies table.
+
+The appraiser provides the Estimated Cost of Repair for each defect, damage, or deficiency requiring repair (Example 3).
+•
+The itemized Estimated Cost to Repair column (26.026-26.069) displays in the Defects, Damages, and Deficiencies
+table.
+Total Cost (26.070) displays at the bottom of the Defects, Damages, and Deficiencies table.
+
+•
+
+Appendix F-1: URAR Reference Guide
diff --git a/chunks/txt/3efa2b69317f37cea33347855ec6705e8f9f5187921378b392629a44c6476f71.txt b/chunks/txt/3efa2b69317f37cea33347855ec6705e8f9f5187921378b392629a44c6476f71.txt
new file mode 100644
index 0000000000000000000000000000000000000000..49e97c675a718c97c2a5b51e3af6230402aae835
--- /dev/null
+++ b/chunks/txt/3efa2b69317f37cea33347855ec6705e8f9f5187921378b392629a44c6476f71.txt
@@ -0,0 +1,44 @@
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:22)(cid:20)
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:22)(cid:22)
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:22)(cid:23)
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:22)(cid:24)
+
+Total
+
+(cid:21)(cid:24)(cid:17)(cid:19)
+
+(cid:22)(cid:25)
+
+Amount
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:22)(cid:27)
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:22)(cid:28)
+
+Total
+
+Primary Site Valuation Method
+
+(cid:21)(cid:24)(cid:17)(cid:19) (cid:19)(cid:23)
+
+Opinion of Site Value
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:23)(cid:20)
+
+Data Source
+
+Assessor Parcel
+Number (APN)
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:23)(cid:24)
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:23)(cid:25)
+
+Site Size
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:23)(cid:26)
+
+Sale Date
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:23)(cid:27)
diff --git a/chunks/txt/3f063871ee3c402cdb57fcb6a73aedc7ca59a5e5369f1b5709a277c04fe4db49.txt b/chunks/txt/3f063871ee3c402cdb57fcb6a73aedc7ca59a5e5369f1b5709a277c04fe4db49.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8190e47f268092c16efe4964767591522212d699
--- /dev/null
+++ b/chunks/txt/3f063871ee3c402cdb57fcb6a73aedc7ca59a5e5369f1b5709a277c04fe4db49.txt
@@ -0,0 +1,134 @@
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOC
+ATION/@PropertyStreetAddress
+
+35
+
+String
+
+273
+
+274
+
+275
+
+276
+
+277
+
+278
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+46a
+
+46b
+
+46c
+
+47
+
+48
+
+49
+
+SALES
+COMPARISON
+APPROACH
+
+Address
+(Line 2)
+
+SALES
+COMPARISON
+APPROACH
+
+Address
+(Line 2)
+
+SALES
+COMPARISON
+APPROACH
+
+Address
+(Line 2)
+
+Property City
+
+The city in which the subject property is
+located.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOC
+ATION/@PropertyCity
+
+Property State
+
+The state in which the subject property is
+located.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOC
+ATION/@PropertyState
+
+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/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOC
+ATION/@PropertyPostalCode
+
+40
+
+String
+
+UAD Requirement – Refer to Appendix D Sales Comparison Approach
+Section
+Must conform to USPS (Pub 28).
+
+2
+
+String
+
+UAD Requirement – Refer to Appendix D Sales Comparison Approach
+Section
+Must conform to USPS (Pub 28).
+
+10
+
+String
+
+UAD Requirement – Refer to Appendix D Sales Comparison Approach
+Section
+Must conform to USPS (Pub 28).
+
+SALES
+COMPARISON
+APPROACH
+
+Proximity to Subject
+
+Proximity To
+Subject Description
+
+A free-form text field used to describe the
+proximity of a comparable property to the
+subject property.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/LOC
+ATION/@ProximityToSubjectDescription
diff --git a/chunks/txt/3f0766a6a6b51e059f1a62990598ac9b92ae429490eff8242502470618fcd430.txt b/chunks/txt/3f0766a6a6b51e059f1a62990598ac9b92ae429490eff8242502470618fcd430.txt
new file mode 100644
index 0000000000000000000000000000000000000000..57eb624c107912d94324547d57e7dcb6b5c22372
--- /dev/null
+++ b/chunks/txt/3f0766a6a6b51e059f1a62990598ac9b92ae429490eff8242502470618fcd430.txt
@@ -0,0 +1,288 @@
+Total Bathroom Count
+
+.VALUATION_METHODS
+..SALES_COMPARISON
+...COMPARABLE_SALE
+.…SALE PRICE ADJUSTMENT
+Sale Price Adjustment Type**
+
+Sale Price Adjustment Type Other Description**
+
+Sale Price Adjustment Description**
+
+Sale Price Adjustment Amount**
+
+.VALUATION_METHODS
+..SALES_COMPARISON
+...COMPARABLE_SALE
+.…OTHER_FEATURE_ADJUSTMENT
+Property Feature Sequence Identifier
+
+Property Feature Description
+
+Property Feature Adjustment Amount
+
+.VALUATION_METHODS
+..SALES_COMPARISON
+...COMPARABLE_SALE
+….PRIOR SALES
+Property Sales Amount
+
+Data Source Description
+
+Data Source Effective Date
+
+.VALUATION_METHODS
+..SALES_COMPARISON
+...COMPARABLE_SALE
+….PRIOR_SALES
+
+UAD Consolidated Schema Matrix
+Appendix B: GSE Appraisal Forms Mapping
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R/CR/T* R/CR/T*
+
+R/CR/T*
+
+R/CR/T*
+
+R/CR*
+
+R/CR*
+
+R/CR*
+
+CR,T*
+
+CR,T*
+
+CR,T*
+
+R/T*
+
+CR
+
+R/T*
+
+CR
+
+R/T*
+
+CR
+
+T
+
+R/T*
+
+CR
+
+T
+
+R
+
+CR
+
+T
+
+R
+
+CR
+
+T
+
+R
+
+CR
+
+R/CR*
+
+CR,T*
+
+R
+
+CR
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+CR,T*
+
+CR,T*
+
+CR,T*
+
+T
+
+CR
+
+T
+
+CR
+
+T
+
+CR
+
+N/A
+
+N/A
+
+N/A
+
+CR
+
+R
+
+R
+
+CR
+
+R
+
+R
+
+CR
+
+R
+
+R
+
+CR
+
+R
+
+R
+
+CR
+
+R
+
+R
+
+CR
+
+R
+
+R
+
+CR
+
+R
+
+R
+
+CR
+
+R
+
+R
+
+Page 23 of 211
+
+Document Version 1.4
+
+MISMO Data Point Name
+
+…..PRIOR_SALES_EXTENSION
+…...PRIOR_SALES_EXTENSION_SECTION
+Extension Section Organization Name
+…….PRIOR_SALES_EXTENSION_SECTION_DATA
+….....PRIOR_SALE
+GSE Prior Sale Date
+GSE Prior Sale Comment
+
+.VALUATION_METHODS
+..SALES_COMPARISON
+...COMPARABLE_SALE
+....COMPARISON_DETAIL_EXTENSION
+…..COMPARISON_DETAIL_EXTENSION_SECTION
+Extension Section Organization Name
+…...COMPARISON_DETAIL_EXTENSION_SECTION_DATA
+…….COMPARISON_DETAIL
+GSE Data Source Description
+GSE Days On Market Description
+GSE Sale Type
+GSE Financing Type
+GSE Financing Type Other Description
+GSE Contract Date Unknown Indicator
+GSE Concession Amount
+GSE Listing Status Type
+GSE Quality Of Construction Rating Type
+GSE Age Estimation Indicator
+GSE Overall Condition Type
+GSE Basement Exit Type
+GSE Below Grade Recreation Room Count
+GSE Below Grade Bedroom Room Count
+GSE Below Grade Bathroom Room Count
+GSE Below Grade Other Room Count
+GSE Below Grade Finish Square Feet Number
+GSE Below Grade Total Square Feet Number
diff --git a/chunks/txt/3f2a01bee3f7d4152faeaaade0e1447b3cfd88a33892fefcb1bf6724bdfc5a87.txt b/chunks/txt/3f2a01bee3f7d4152faeaaade0e1447b3cfd88a33892fefcb1bf6724bdfc5a87.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a0e2b09285e35d8695c4789465777f88dbd443f8
--- /dev/null
+++ b/chunks/txt/3f2a01bee3f7d4152faeaaade0e1447b3cfd88a33892fefcb1bf6724bdfc5a87.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)
+ - Fannie Mae & Freddie Mac Affordable Housing Allocations
+
+Policy
+
+# Fannie Mae & Freddie Mac Affordable Housing Allocations
+
+The [Housing and Economic Recovery Act of 2008 (HERA)](/node/27141#HERA) requires the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac), together, the Enterprises, to set aside an amount equal to 4.2 basis points of each dollar of the unpaid principal balance of Fannie Mae’s and Freddie Mac’s total new business purchases and to allocate and transfer those funds to the Housing Trust Fund and the Capital Magnet Fund; 12 USC 4567(a).
diff --git a/chunks/txt/3f2daa55497bc145233428b294b18cc6f5b2a374b8bcf7fea45003d4827cd001.txt b/chunks/txt/3f2daa55497bc145233428b294b18cc6f5b2a374b8bcf7fea45003d4827cd001.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e398c0f8e5486e2e8e926627e5f965c85c3a537e
--- /dev/null
+++ b/chunks/txt/3f2daa55497bc145233428b294b18cc6f5b2a374b8bcf7fea45003d4827cd001.txt
@@ -0,0 +1,52 @@
+9.2 Closing Costs Subtotals (D + I) – adds together and subtotals all line items in each column of the Loan Costs
+and Other Costs tables (including Seller-Paid At and Before Closing and Paid by Others).
+
+9.3 | 9.3.1 Lender Credits - the sum of all generalized payments (not related to a specific fee) from the lender to
+the consumer. As shown in the following figure, Lender Credits are a negative charge to the borrower(s) and are
+to be disclosed in the Borrower-Paid At Closing column. The value of Lender Credits is subtracted from J. Total
+Closing Costs to yield the TOTAL CLOSING COSTS (Borrower Paid). Credits from the lender to offset an amount
+charged over the tolerance limitations (that is, a lender credit for increases in Closing Costs above the legal limit)
+are included in the Lender Credits amount, along with a statement that the amount was used to offset an excess
+charge.
+
+Borrower-Paid
+
+Seller-Paid
+
+Paid by
+
+At Closing
+
+Before Closing
+
+At Closing
+
+Before Closing
+
+Others
+
+9.1 J. TOTAL CLOSING COSTS (Borrower-Paid)
+
+9.1.1 $9,697.10
+
+9.2 Closing Costs Subtotals (D + I)
+
+9.2.2 $10,167.30 9.2.3
+
+$29.80 9.2.4 $12,800.00 9.2.5
+
+$750.00 9.2.6
+
+$405.00
+
+9.3 Lender Credits 9.3.1 Includes $200 credit for increase
+in Closing Costs above legal limit
+
+9.3.2 $-500.00
+
+Figure 87. TOTAL CLOSING COSTS Table
+
+Table 101 shows the data points supporting the Total Closing Costs table. Included in this section are four GSE-
+Required data points with closing cost totals supporting ATR/QM requirements:
+RegulationZTotalAffiliateFeesAmount, RegulationZTotalPointsAndFeesAmount, AbilityToRepayMethodType and
+AbilityToRepayExemptionReasonType.
diff --git a/chunks/txt/3f3064d9d15392a7d303cab0c4125bd9a748ae4b8ae4d9c81d9e998ffeb0af16.txt b/chunks/txt/3f3064d9d15392a7d303cab0c4125bd9a748ae4b8ae4d9c81d9e998ffeb0af16.txt
new file mode 100644
index 0000000000000000000000000000000000000000..18914b42982905fd703d624f07e61151d86e1a4f
--- /dev/null
+++ b/chunks/txt/3f3064d9d15392a7d303cab0c4125bd9a748ae4b8ae4d9c81d9e998ffeb0af16.txt
@@ -0,0 +1,18 @@
+---
+
+- [](https://www.facebook.com/FHFA)
+ - [](https://www.x.com/FHFA)
+ - [](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [](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\/12656","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/3f3859e3718425d2d68a66e9e85b442529c2d561f7a97c35dd9720cc4f665fab.txt b/chunks/txt/3f3859e3718425d2d68a66e9e85b442529c2d561f7a97c35dd9720cc4f665fab.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6737965de22b65b3cf7d7e684908db33aa5dafb8
--- /dev/null
+++ b/chunks/txt/3f3859e3718425d2d68a66e9e85b442529c2d561f7a97c35dd9720cc4f665fab.txt
@@ -0,0 +1,157 @@
+Uniform Residential Appraisal Report
+
+Page 3 of 26
+Page 3 of 26
+
+Site
+
+Total Site Size
+
+21,000 Sq. Ft.
+
+Number of Parcels
+
+1
+
+Assessor Parcel Number (APN)
+WES1932
+
+APN Description
+ Land with Dwelling
+
+Parcel Size
+21,000 Sq. Ft.
+
+Zoning
+
+Compliance
+Classification Code
+Classification Code Description
+
+Legal
+MF-3
+ Residential - Multi Family
+district
+
+Property Use
+
+Non-Residential Use
+
+None
+
+Site Influence
+
+Influence
+Busy Roadway
+
+Proximity
+Bordering
+
+Detail
+
+Residential
+
+Bordering
+
+View and Impact to Value/Marketability
+
+Property Access
+Primary Access
+Street Type and Surface
+Typical for Market
+
+Public Street
+Local Road | Asphalt
+Yes
+
+Impact
+Adverse
+
+Neutral
+
+Comment
+Properties such as this in
+this market area are typically
+located on busy roadways.
+
+View
+Residential
+
+Range of View
+Full
+
+Impact
+Neutral
+
+Site Features and Impact to Value/Marketability
+
+Feature
+Hazard Zone
+
+Detail
+No Hazard Zone Noted
+
+Utilities and Impact to Value/Marketability
+
+Broadband Internet Available
+
+Yes
+
+Impact
+
+Comment
+
+Private
+
+Detail
+
+Private Utility
+Impact
+
+Comment
+
+Electricity
+
+Gas
+
+Sanitary Sewer
+
+Water
+
+Public
+
+
+
+
+
+If more
+
+than 1
+
+Unit--
+
+different
+
+set up
+
+Apparent Defects, Damages, Deficiencies (Site)
+
+None
+
+Site Exhibits
+
+Property Access (Street Scene) - Site Influence - Busy
+Roadway, Residential - View - Residential
+
+This is where the Street Scene photo would display.
+
+Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 4 of 26
+Page 4 of 26
+
+Sketch
+
+Measurement Standard
diff --git a/chunks/txt/3f3a20f07e7f41de3f3a705a7002d8468c9738f56fda21e01a30902c11f42f1f.txt b/chunks/txt/3f3a20f07e7f41de3f3a705a7002d8468c9738f56fda21e01a30902c11f42f1f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..55d267f353ed0344c2d251587272d5f3b43d70de
--- /dev/null
+++ b/chunks/txt/3f3a20f07e7f41de3f3a705a7002d8468c9738f56fda21e01a30902c11f42f1f.txt
@@ -0,0 +1 @@
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/17716","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/3f3c7bac134ca73d68011bcd12eee56f3a16dc36ae9979b3205e6aa558108ab1.txt b/chunks/txt/3f3c7bac134ca73d68011bcd12eee56f3a16dc36ae9979b3205e6aa558108ab1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3531a573e2f46ca1925f9d54bd3eb7c27e197426
--- /dev/null
+++ b/chunks/txt/3f3c7bac134ca73d68011bcd12eee56f3a16dc36ae9979b3205e6aa558108ab1.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/about/information-quality"
+date_accessed: "2026-01-27T17:54:20.288Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/3f435781a3b4bcf6aab55453e90aa6b938b7d713bcb02f7913c47247f1ecbe3c.txt b/chunks/txt/3f435781a3b4bcf6aab55453e90aa6b938b7d713bcb02f7913c47247f1ecbe3c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b9880c35bc16798add58b687dd5944e7e684d7e7
--- /dev/null
+++ b/chunks/txt/3f435781a3b4bcf6aab55453e90aa6b938b7d713bcb02f7913c47247f1ecbe3c.txt
@@ -0,0 +1,40 @@
+•
+
+•
+
+Images for the comparable properties are delivered in the instance of PROPERTY where @ValuationUseType (UID: 1800.0084, FID:
+Not on report) = “SalesComparable” of the instance of the PROPERTY container representing the relevant comparable property.
+
+o
+
+(E.g., image data associated with sales comparable #1 must be included in the instance of the PROPERTY container with
+ValuationUseType= ”SalesComparable” and PropertyOrdinalNumber= 1.)
+
+In Sales Comparison Approach Exhibits, display “Comparable #” followed by the ordinal number - PropertyOrdinalNumber (UID:
+1800.0192, FID: 22.01.16) in bold font.
+
+Additional Images
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 296
+
+• Any additional images provided must be delivered using ImageCategoryType (UID: 1400.0638, FID: 22.19.01.1) =
+
+“SalesComparisonApproachExhibit”.
+
+• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 22.19.01.2).
+
+Reference Key Concept - Image Data for detailed guidance on the various ways images are handled in the URAR.
+
+Sales Comparison 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.
+
+• 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.
+
+PROPERTY_UNIT to PROPERTY_UNIT
+When a comparable property has an adjustment for an item from the living unit, the PROPERTY_UNIT container from the comparable should
+be linked to the subject's instance of the PROPERTY_UNIT container to which it was compared.
diff --git a/chunks/txt/3f55c4a7b5e697bddb9982dd09754d91abe5841908313c6ae3c0c8128722df69.txt b/chunks/txt/3f55c4a7b5e697bddb9982dd09754d91abe5841908313c6ae3c0c8128722df69.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0757094f158d0d32c0b12f00becb0e7583653a94
--- /dev/null
+++ b/chunks/txt/3f55c4a7b5e697bddb9982dd09754d91abe5841908313c6ae3c0c8128722df69.txt
@@ -0,0 +1,77 @@
+Reporting Format:
+Proximity to Subject – Numeric to 2 decimal
+places + ‘miles’ + Directional
+
+Example:
+1.75 miles NW
+
+Page 33 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
+
+Sale Price
+The appraiser must enter the sale price of the
+subject property (if applicable) and each
+comparable property. The sale price for the
+subject property must match the contract
+price reported in the Contract section. If any
+of the comparable properties sold for a price
+that was not in whole dollars, the appraiser
+must round the sales price to the nearest
+dollar. If any of the comparable properties is a
+listing or pending sale, the appraiser must
+enter the offering price or contract price as
+applicable.
+
+Reporting Format:
+Sale Price – Currency, whole dollars only
+
+Page 34 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.
+
+REQUIREMENT
+
+Data Source(s)
+The appraiser must provide the data
+source(s) utilized to obtain the data for each
+comparable sale. When using MLS as the
+data source, the MLS organization acronym
+or abbreviation followed by ‘#’ and the listing
+identifier (numbers and letters) must be
+reported. If the appraiser utilizes additional
+data sources that do not fit into this data field,
+they must be provided in the comments
+section or addenda in the appraisal report.
diff --git a/chunks/txt/3f6055be42e820ab4aa3f6d9567fab6caa86c0321392232f749f7c4343f54734.txt b/chunks/txt/3f6055be42e820ab4aa3f6d9567fab6caa86c0321392232f749f7c4343f54734.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e3632951c6ca3b03de37dfcabab4f00b7ecd9a07
--- /dev/null
+++ b/chunks/txt/3f6055be42e820ab4aa3f6d9567fab6caa86c0321392232f749f7c4343f54734.txt
@@ -0,0 +1,99 @@
+/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/@_SummaryC
+omment
+
+4000
+
+String
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+474
+
+3
+
+127
+
+RECONCILIATIO
+N
+
+The appraisal is made “as is”
+
+475
+
+3
+
+128
+
+RECONCILIATIO
+N
+
+The appraisal is made “subject
+to completion”
+
+476
+
+3
+
+129
+
+RECONCILIATIO
+N
+
+The appraisal is made “subject
+to the following repairs”
+
+Valuation
+Reconciliation
+Condition Of
+Appraisal Type
+
+Valuation
+Reconciliation
+Condition Of
+Appraisal Type
+
+Valuation
+Reconciliation
+Condition Of
+Appraisal Type
+
+Specifies the appraisal's conclusion's
+dependency on future repairs or activities.
+
+/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/_CONDITION
+_OF_APPRAISAL[@_Type=‘AsIs’]
+
+20
+
+Enumerated
+
+UAD Requirement - Refer to Appendix D Reconciliation Section
+
+Specifies the appraisal's conclusion's
+dependency on future repairs or activities.
+
+/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/_CONDITION
+_OF_APPRAISAL[@_Type=‘SubjectToCompletion’]
+
+20
+
+Enumerated
+
+UAD Requirement - Refer to Appendix D Reconciliation Section
+A separate Valuation Reconciliation Condition of Appraisal element must be populated
+for each box that is checked.
+
+Specifies the appraisal's conclusion's
+dependency on future repairs or activities.
+
+/VALUATION_RESPONSE/VALUATION/_RECONCILIATION/_CONDITION
+_OF_APPRAISAL[@_Type=‘SubjectToRepairs’]
+
+20
+
+Enumerated
+
+UAD Requirement - Refer to Appendix D Reconcilliation Section
+A separate Valuation Reconciliation Condition of Appraisal element must be populated
+for each box that is checked.
diff --git a/chunks/txt/3f65aaf4fca31a31bedc43de58fda23e1a949e8f9e74a6088926d552ee76e255.txt b/chunks/txt/3f65aaf4fca31a31bedc43de58fda23e1a949e8f9e74a6088926d552ee76e255.txt
new file mode 100644
index 0000000000000000000000000000000000000000..21803971e108c32ec6e0b422d9f0a45b0d7c3fb8
--- /dev/null
+++ b/chunks/txt/3f65aaf4fca31a31bedc43de58fda23e1a949e8f9e74a6088926d552ee76e255.txt
@@ -0,0 +1,74 @@
+30
+
+String
+
+String
+
+String
+
+String
+
+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 1-10, 2-12d, 6-20d) and
+must be represented consistently.
+
+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.
+
+SUBJECT
+
+Legal Description
+
+/VALUATION_RESPONSE/PROPERTY/_LEGAL_DESCRIPTION[@_Type='
+Other' and @_TypeOtherDescription='LongLegal']/@_TextDescription
+
+150
+
+String
+
+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.
+
+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/_IDENTIFICATION/PROPERTY_ID
+ENTIFICATION_EXTENSION/PROPERTY_IDENTIFICATION_EXTENSION
+_SECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/PROPERTY_IDENTIFICATION_EXTENSION_SECTION_DATA/
+PARCEL_IDENTIFIER/@GSEAssessorsParcelIdentifier
+
+15
+
+SUBJECT
+
+Assessor's Parcel #
+
+16
+
+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/_TAX/@_YearIdentifier
diff --git a/chunks/txt/3f75d5092ee3b37a41209ccf6bd7eacf787d707252be7c81189d4b1fe5b25ac7.txt b/chunks/txt/3f75d5092ee3b37a41209ccf6bd7eacf787d707252be7c81189d4b1fe5b25ac7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3d68450fe1dc6d116445a6bd20939c780e0ff361
--- /dev/null
+++ b/chunks/txt/3f75d5092ee3b37a41209ccf6bd7eacf787d707252be7c81189d4b1fe5b25ac7.txt
@@ -0,0 +1,101 @@
+amount of the charge in the appropriate column.
+
+3.
+
+If the payment was broken out, disclose all payors and their portion of the charge.
+
+a. For Initial Escrow Payments, timing is assumed to be “At Closing”. If the charge was paid by a third-
+
+party, no timing information is needed.
+
+b. If the third-party payor is the lender, precede the amount paid by the indicator “(L)”.
+
+8. 15 AGGREGATE ADJUSTMENT
+
+When applicable, the Aggregate Adjustment to the initial funding of the escrow account is disclosed as the last
+line item under G. Initial Escrow Payment at Closing. No additional information is required for the line item
+description. The adjustment can be positive or negative.
+
+The data points used to provide this information are shown in the table below and are repeated as needed to
+provide each line item.
+
+Table 99. Initial Escrow Payment at Closing Line Items
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0 Value
+
+Notes
+
+8.15 |
+8.15.2
+
+Borrower-Paid At
+Closing Aggregate
+Adjustment
+
+…/ESCROW/ESCROW
+_DETAIL
+
+EscrowAggregateAcc
+ountingAdjustmentA
+mount
+
+-0.01
+
+ROF as “Aggregate
+Adjustment” and “-
+$0.01”
+
+First Instance of ESCROW_ITEM
+
+Appendix E: UCD Implementation Guide
+
+Page 135 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+8.0 Other Costs Table
+
+Table 99. Initial Escrow Payment at Closing Line Items
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute MISMO v3.3.0 Value
+
+Notes
+
+8.11.1 Homeowner’s
+
+Insurance ($ per
+month for # mo.)
+
+8.11
+
+UID
+8.820
+
+8.11.1
+
+Homeowner’s
+Insurance
+
+Homeowner’s
+Insurance ($ per
+month for # mo.)
diff --git a/chunks/txt/3f7ade5c6c8f1b5ed8821c0ffcc1fbf103501ab94424cf1512924c70c6f5b1b5.txt b/chunks/txt/3f7ade5c6c8f1b5ed8821c0ffcc1fbf103501ab94424cf1512924c70c6f5b1b5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..540789d6024167ab56f5819672be5ea01a24d88b
--- /dev/null
+++ b/chunks/txt/3f7ade5c6c8f1b5ed8821c0ffcc1fbf103501ab94424cf1512924c70c6f5b1b5.txt
@@ -0,0 +1,8 @@
+---
+source_url: "https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset#uad-26-resources"
+date_accessed: "2026-01-27T17:46:01.887Z"
+---
+
+[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/3f87b071913c3c672bf5f9337ada4fe040891a6d5613d029194a7591e33a83cb.txt b/chunks/txt/3f87b071913c3c672bf5f9337ada4fe040891a6d5613d029194a7591e33a83cb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..53d72e80bc323e0663f0d7e99d4b8d125ed925df
--- /dev/null
+++ b/chunks/txt/3f87b071913c3c672bf5f9337ada4fe040891a6d5613d029194a7591e33a83cb.txt
@@ -0,0 +1,41 @@
+• Allow user to select information and add to report and modify/override as needed.
+• Allow for the import of information from other sources, e.g., Multiple Listing Service (MLS).
+
+An example of when an override may be necessary could occur with public record information. Public
+records may show a property as having 1,326 sq. ft. of finished area, however measuring to ANSI standards
+requires the finished area to display as 900 sq. ft. on the first floor, 200 sq. ft. on the second floor, and an
+additional 226 sq. ft. of finished nonstandard area on the second floor.
+
+Additional Data Entry Guidance
+
+4. Provide the user with an integrated reference feature that provides additional guidance, information,
+
+and/or definitions.
+
+Purpose: To provide a consistent understanding of information and available options. The UAD artifacts may
+be leveraged to provide this information.
+
+Some examples are hover/mouseover, pop-ups or hyperlinks that allow users to access definitions and/or
+additional information.
+
+Appendix F-1 URAR Reference Guide contains the language that vendors should utilize in the development of
+the user interface. Sections where a reference feature are recommended include but are not limited to:
+
+• Subject Property
+
+o Provide definitions for Accessory Dwelling Unit, Community Land Trust (CLT), Subject Site
+
+Owned in Common.
+
+• Site
+
+o Provide definitions for Primary Site Valuation Methods “Allocation” and “Extraction”.
+o Provide definitions for APN Description.
+
+• Disaster Mitigation
+
+o Provide definitions for Disaster Mitigation Features.
+
+• Sketch
+
+o Provide definitions for the distinction between Sketch and Floor Plan.
diff --git a/chunks/txt/3f8c5fa10c733c7bae1ec05a87a02f5fa20d02aa7a1f205939f29276c499246d.txt b/chunks/txt/3f8c5fa10c733c7bae1ec05a87a02f5fa20d02aa7a1f205939f29276c499246d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..492ca1f770a9b86a23144fac9d2babcf93d1b3aa
--- /dev/null
+++ b/chunks/txt/3f8c5fa10c733c7bae1ec05a87a02f5fa20d02aa7a1f205939f29276c499246d.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/about/leadership/william-j-pulte"
+date_accessed: "2026-01-27T17:47:50.338Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/3fa8bf2e10ed62d275accb17580f9fe3b8b49e135aad1aec6227a2788aa027e5.txt b/chunks/txt/3fa8bf2e10ed62d275accb17580f9fe3b8b49e135aad1aec6227a2788aa027e5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b2684670ee4d68e979a648e88bdf74dda6835d8b
--- /dev/null
+++ b/chunks/txt/3fa8bf2e10ed62d275accb17580f9fe3b8b49e135aad1aec6227a2788aa027e5.txt
@@ -0,0 +1,125 @@
+See Selling Guide Announcement 2024-03 and EarlyCheck
+Edit Messages for more details.
+
+•
+
+•
+
+•
+
+•
+
+•
+
+1 edit severity change
+
+3 new edits with severity Observational
+
+2 edit severity change
+
+2 Warning edits modified
+
+1 new edit with severity Warning
+
+ULDD-
+MISMO 3.0
+
+•
+
+2 New Edits with severity Fatal
+
+May 20
+
+7.6.14
+
+Condo
+Project
+Manager
+
+To ensure data integrity, EarlyCheck will begin validating
+that the data provided in Condo Project Manager (CPM)
+matches the data provided in EarlyCheck.
+
+ULDD-
+MISMO 3.0
+
+• 5 New Edits with severity Warning
+
+© 2025 Fannie Mae
+
+Effective
+Date
+
+Impacted
+Area
+
+Version
+
+Description
+
+File
+Type
+
+Impact
+
+New edits will validate that the following datapoints
+match:
+
+• Property State
+• Legal Structure
+• Manufactured Housing
+
+For a comprehensive list of edit updates, see EarlyCheck
+Edit Messages.
+
+May 20
+
+Edit Updates
+
+7.6.14
+
+One edit related to Community Lending will move to
+Warning to Fatal
+
+ULAD-
+MISMO 3.4
+
+• 1 Edit with severity change
+
+New edits related to Credit score
+
+One Edit related to Credit Score will move to Warning to
+Fatal, one edit related to Community Lending will move to
+Warning to Fatal
+
+ULDD-
+MISMO 3.0
+
+• 3 New Edits with severity Warning to Fatal
+
+• 2 Edits with severity change
+
+June 24
+
+Edit Updates
+
+7.6.15
+
+One edit related to Community Lending will move to Fatal
+
+One new edit related to Mission Index
+
+ULAD-
+MISMO 3.4
+
+• 1 edit with severity change
+
+• 1 new edit with severity Observational
+
+One edit related to Loan Program will move to Fatal, one
+edit related to Community Lending will move to Fatal
+
+ULDD-
+MISMO 3.0
+
+• 2 edit with severity change
diff --git a/chunks/txt/3faaa0d233e72783821d0389b9c89c910d01907c8cdf07add36cde0d50e3a42b.txt b/chunks/txt/3faaa0d233e72783821d0389b9c89c910d01907c8cdf07add36cde0d50e3a42b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bc7072bebf6fc5efcc620853cfe15629b8ed6f1f
--- /dev/null
+++ b/chunks/txt/3faaa0d233e72783821d0389b9c89c910d01907c8cdf07add36cde0d50e3a42b.txt
@@ -0,0 +1,159 @@
+If applicable when the
+row is included in the
+sales comparison grid
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+Yes
+22.12.07
+
+Yes
+22.12.07
+
+Yes
+22.12.09
+
+Yes
+22.12.11
+
+For Amenity Category Outdoor Accessories, Amenity Type
+•
+•
+•
+•
+•
+•
+
+Fence
+Irrigation System
+Outdoor Fireplace
+Outdoor Kitchen
+Outdoor Riding Ring
+Sports Court
+
+Amenity Count (for the indicated outdoor accessory amenity)
+
+For Amenity Category Outdoor Living, Amenity Type
+•
+•
+•
+•
+•
+•
+
+Balcony
+Deck
+Gazebo
+Patio
+Porch
+Portico
+
+For Amenity Category Water Features, Amenity Type
+•
+•
+•
+•
+
+Inground Pool
+Inground Spa
+Outdoor Shower
+Sauna
+
+Note: If the pool, spa, or sauna is indoor, select Indoor as Amenity
+Feature.
+
+•
+
+•
+
+•
+
+Subject Property
+Amenities
+•
+
+Amenity Category
+14.001 is Outdoor
+Living
+Amenity Type
+14.002
+
+Subject Property
+Amenities
+•
+
+Amenity Category
+14.001 is Water
+Features
+Amenity Type
+14.002
+
+Appendix F-1: URAR Reference Guide
+
+Page 264 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: Property Amenities
+
+22.12.03
+22.12.10
+
+Water
+Features
+
+If relevant
+
+If applicable for the
+Inground Pool,
+Inground Spa, or
+Sauna
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+Subject Property
+Amenities
+•
diff --git a/chunks/txt/3faf6edc02be1004d6f5086414f37a988da86c90e08b6340bf342fd8bf96e8cd.txt b/chunks/txt/3faf6edc02be1004d6f5086414f37a988da86c90e08b6340bf342fd8bf96e8cd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dfe3359f217ba49cbb57bc7ba430a3547efe0271
--- /dev/null
+++ b/chunks/txt/3faf6edc02be1004d6f5086414f37a988da86c90e08b6340bf342fd8bf96e8cd.txt
@@ -0,0 +1 @@
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/16951","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/3fb84c469f020e104e17a0505dcf5a31215814bc894780ed36004e79356d3ea0.txt b/chunks/txt/3fb84c469f020e104e17a0505dcf5a31215814bc894780ed36004e79356d3ea0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..68d29ddeaf524863c18fb7386b2c35511e6ef10d
--- /dev/null
+++ b/chunks/txt/3fb84c469f020e104e17a0505dcf5a31215814bc894780ed36004e79356d3ea0.txt
@@ -0,0 +1,49 @@
+Completion Status
+
+The Completion Status section displays when Original Market Value Condition (02.003) includes Subject to
+Completion Per Plans, such as for new construction or incomplete construction.
+
+Commentary and Free-form Comments
+
+Section commentary must be entered in the applicable section:
+• Completion Report Commentary (06.001)
+• Assignment Information and Scope of Work Commentary (08.043)
+
+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.”
+
+Appendix F-3: Completion Report Reference Guide
+
+Page 7 of 33
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Photos and Images
+
+Overview
+
+With the exception of the following, all photos and images display in Completion Report 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 (01.003).
+
+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 Examples:
+
+▪ A photo (“Property Photo”) must be displayed at the top of the Subject Property section.
+▪ Photos are required for all repair items.
diff --git a/chunks/txt/3fc200a3226c7338d05a997bde3c6f8efea9d44a7436e7e0aa418d0260ee79af.txt b/chunks/txt/3fc200a3226c7338d05a997bde3c6f8efea9d44a7436e7e0aa418d0260ee79af.txt
new file mode 100644
index 0000000000000000000000000000000000000000..aa8d6dd3a6b4a7115ff63d19ce861434ea1a7c55
--- /dev/null
+++ b/chunks/txt/3fc200a3226c7338d05a997bde3c6f8efea9d44a7436e7e0aa418d0260ee79af.txt
@@ -0,0 +1,27 @@
+FHFA is an independent agency with a unique mission responsible for providing oversight of the housing government-sponsored enterprises (GSEs or alternatively, ‘the regulated entities’).
+
+The housing GSEs include Fannie Mae, Freddie Mac (known as the Enterprises), the Federal Home Loan Banks and the FHLBanks’ joint Office of Finance (known as the Federal Home Loan Bank System).
+
+The focus of FHFA’s mission is to promote their safety and soundness and ensure that the GSEs serve as a reliable source of liquidity and funding for housing finance and community investment.
+
+## Key Documents
+
+- ## FHFA's Strategic Plan
+
+The Plan formalizes FHFA's, and its regulated entities', new direction by updating the Agency's mission, vision, and values, and by establishing three new strategic goals.
+
+- Ensuring safe and sound regulated entities through world-class supervision;
+ - Fostering competitive, liquid, efficient, and resilient (CLEAR) national housing finance markets; and
+ - Positioning the Agency as a model of operational excellence by strengthening its workforce and infrastructure.
+
+- ## Performance and Accountability Report
+
+This annual report describes FHFA's accomplishments, as well as challenges, the agency faced in meeting the strategic goals and objectives during the past fiscal year.
+
+[Read More](/reports/fhfa-performance-and-accountability-report)
+
+- ## Strategic Plan for Enterprise Conservatorships
+
+This plan outlines objectives and steps FHFA is taking, or will take, to meet its obligations as conservator of Fannie Mae and Freddie Mac.
+
+[Read More](/reports/conservatorship-strategic-plan)
diff --git a/chunks/txt/3fd7692648305af4fbb09c5f8987e3c430fb4a8bc4630444725aa7558d640169.txt b/chunks/txt/3fd7692648305af4fbb09c5f8987e3c430fb4a8bc4630444725aa7558d640169.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d1b533abad18e146862ecfadc7cdd58411d78325
--- /dev/null
+++ b/chunks/txt/3fd7692648305af4fbb09c5f8987e3c430fb4a8bc4630444725aa7558d640169.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)
+ - Guarantee Fees History
+
+Policy
+
+# Guarantee Fees History
+
+## Fannie Mae and Freddie Mac Guarantee Fees
+
+Fannie Mae and Freddie Mac buy single-family mortgages from mortgage companies, commercial banks, credit unions, and other financial institutions. In most cases, a lender receives mortgage-backed securities (MBS) in exchange for the loans.
diff --git a/chunks/txt/3fe1a2ea8472becfef60d94de281d9dec571ebf000820807a7fb20902f902350.txt b/chunks/txt/3fe1a2ea8472becfef60d94de281d9dec571ebf000820807a7fb20902f902350.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1f5771cf18614e7742ac0d487d1c12348586601f
--- /dev/null
+++ b/chunks/txt/3fe1a2ea8472becfef60d94de281d9dec571ebf000820807a7fb20902f902350.txt
@@ -0,0 +1,3 @@
+[](/)
+
+- Toggle
diff --git a/chunks/txt/3fea9f5ce1aa04ca7bc7c265fde109837a0d817a1e75f3c9a2dfdae602409521.txt b/chunks/txt/3fea9f5ce1aa04ca7bc7c265fde109837a0d817a1e75f3c9a2dfdae602409521.txt
new file mode 100644
index 0000000000000000000000000000000000000000..99bb5113520908a117b4ee0fe5e05edd25feee7a
--- /dev/null
+++ b/chunks/txt/3fea9f5ce1aa04ca7bc7c265fde109837a0d817a1e75f3c9a2dfdae602409521.txt
@@ -0,0 +1,64 @@
+Loan Amount /
+Amount to be
+Drawn
+J. Other New
+Mortgage Loans
+
+15,000.00
+
+4,000.00
+
+19,000.00
+
+The screen shots below display how the XML data maps to the form for scenario 1.
+
+15
+
+Scenario 1 Calculations:
+
+16
+
+Calculating the LTV: Loan Amount / Property value
+
+Using the example data: 300,000 / 375,000 = 80%
+DU Findings rounds up: 80%
+
+Calculating Combined LTV: (Loan Amount + Subordinate Lien(s) Balance + HELOC Unpaid Balance) /
+Property Value
+
+Using the example data: (300,000 + (15,000 + 4,000)) / 375,000 = 85.066%
+DU Findings rounds up: 86%
+
+Calculating HCLTV: (Loan Amount + Subordinate Lien(s) Balance + HELOC Credit Limit Amount) /
+Property Value
+
+Using the example data: (300,000 + (25,000 + 12,000)) / 375,000 = 89.866% DU
+Findings rounds up: 90%
+
+17
+
+Scenario 1 Calculations:
+
+Calculating the LTV: Loan Amount / Property Value
+
+Using the example data: 300,000 / 375,000 = 80%
+DU Findings rounds up: 80%
+
+Calculating Combined LTV: (Loan Amount + HELOC Balance Amounts) / Property Value
+
+Using the example data: (300,000 + (15,000 + 4,000)) / 375,000 = 85.066%
+DU Findings rounds up: 86%
+
+Calculating HCLTV: (Loan Amount + HELOC Credit Limit Amounts) / Property Value
+
+Using the example data: (300,000 + (25,000 + 12,000)) / 375,000 = 89.866%
+DU Findings rounds up: 90%
+
+Scenario 2 – In this refinance transaction the Subject Property has an existing HELOC loan that is not being
+paid off. The existing HELOC has an unpaid balance of $3,000.00, a credit limit of $20,000.00 and an
+undrawn amount of $17,000.00.
+
+Existing HELOC Loan
+
+LiabilityUnpaidBalanceAmount (6.0021)
+HELOCMaximumBalanceAmount (6.0095)
diff --git a/chunks/txt/3fed346c57263657804d37987fd3bfec14e78ca5a4468e160e29a83965413936.txt b/chunks/txt/3fed346c57263657804d37987fd3bfec14e78ca5a4468e160e29a83965413936.txt
new file mode 100644
index 0000000000000000000000000000000000000000..66822b325f9b5df56c74ffa8a9f5bb0d68ef15b8
--- /dev/null
+++ b/chunks/txt/3fed346c57263657804d37987fd3bfec14e78ca5a4468e160e29a83965413936.txt
@@ -0,0 +1,153 @@
+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
+
+Energy Efficient and Green Features
+
+Renewable Energy
+Component
+
+Building Certification
+
+Efficiency Rating
+
+Unit(s)
+
+Structure ID | Unit ID
+
+Location of ADU
+
+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
+
+Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Exterior Quality and Condition
+
+Structure ID
+
+Quality
+
+Exterior Walls and Trim
+
+Foundation
+
+Roof
+
+Windows
+
+Condition
+
+Exterior Walls and Trim
+
+Foundation
+
+Roof
+
+Windows
+
+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
+
+Subject Property
+
+Comparable #
+
+Comparable #
+
+Comparable #
+
+Property Address
+
+Interior Quality and Condition
+
+Structure ID | Unit ID
+
+Quality
+
+Kitchen
+
+Overall Bathrooms
+
+Overall Flooring
+
+Walls and Ceiling
+
+Condition
+
+Kitchen
+
+Overall Bathrooms
+
+Overall Flooring
+
+Walls and Ceiling
+
+ADU Interior Quality and Condition
+
+Location of ADU
+
+Quality
+
+Kitchen
+
+Overall Bathrooms
+
+Overall Flooring
+
+Walls and Ceiling
+
+Condition
+
+Kitchen
+
+Overall Bathrooms
+
+Overall Flooring
+
+Walls and Ceiling
+
+Overall Quality and Condition (Ratings: 1-6, 1 is highest)
diff --git a/chunks/txt/404a0cd218b6f8c38a33686ccc43206185da0c3830842a2206ecd40f881c102c.txt b/chunks/txt/404a0cd218b6f8c38a33686ccc43206185da0c3830842a2206ecd40f881c102c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..75310cb70266c666af903b71b852f1417565f872
--- /dev/null
+++ b/chunks/txt/404a0cd218b6f8c38a33686ccc43206185da0c3830842a2206ecd40f881c102c.txt
@@ -0,0 +1,104 @@
+Uniform Residential Appraisal Report
+
+Page 15 of 19
+Page 15 of 19
+
+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
+
+Comparable #4
+
+This is where the Comparable 3 photo would display.
+
+This is where the Comparable 4 photo would display.
+
+Comparable #5
+
+This is where the Comparable 5 photo would display.
+
+Reconciliation
+
+Approaches to Value
+
+Indicated Value
+
+Reason for Exclusion
+
+Appraisal Summary
+
+Opinion of Market Value
+Market Value Condition
+
+Sales Comparison Approach
+$350,000
+
+Income Approach
+
+Cost Approach
+
+Not Necessary for Credible Results
+
+Not Necessary for Credible Results
+
+$350,000
+As Is
+
+Reasonable Exposure Time
+Effective Date of Appraisal
+
+30-60 days
+03/03/2024
+
+Reconciliation of Market Value
+
+Utilize this subsection for additional commentary as required by USPAP.
+
+Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K
+
+Uniform Residential Appraisal Report
+
+Page 16 of 19
+Page 16 of 19
+
+Reconciliation (continued)
+
+Apparent Defects, Damages, Deficiencies
+
+None
+
+Revision History
+
+Revision Date
+03/15/2024
+
+URAR Section
+Sales Comparison Approach
+
+03/15/2024
+
+Reconciliation
+
+Reconsideration of Value
+
+Type
+Date
+
+Borrower-Initiated
+03/15/2024
+
+Description
+The comparables provided from the borrower-initiated ROV were reviewed
+and considered. Two sales were deemed reliable and put in the sales grid,
+which increased the Indicated Value by Sales Comparison Approach. One was
+deemed less reliable and added to Additional Properties Analyzed Not Used.
diff --git a/chunks/txt/40576143672d7dd9dc9be75f029dcf959bbb093898276b8cd5e238537352dc60.txt b/chunks/txt/40576143672d7dd9dc9be75f029dcf959bbb093898276b8cd5e238537352dc60.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ae714b936334009609189062d1ada2e26a5c5f45
--- /dev/null
+++ b/chunks/txt/40576143672d7dd9dc9be75f029dcf959bbb093898276b8cd5e238537352dc60.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
+
+# Sitemap
+
+[Front page of *U.S. FEDERAL HOUSING*](/)
+
+## Main navigation
diff --git a/chunks/txt/4064b11272711788bf5e406690bf79851d73c915b99d5c3682bd368b9ba79aa8.txt b/chunks/txt/4064b11272711788bf5e406690bf79851d73c915b99d5c3682bd368b9ba79aa8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f4ee587c14b0c74d9a7286e63a08c56a0d7e839a
--- /dev/null
+++ b/chunks/txt/4064b11272711788bf5e406690bf79851d73c915b99d5c3682bd368b9ba79aa8.txt
@@ -0,0 +1,37 @@
+critical edits into the production environment.
+
+ Establish a process for accepting customer feedback and addressing issues in time for lenders to re-test
+
+prior to mandate dates.
+
+ Review the reporting available from the GSEs on UCD Critical Edits Phase 3B Postponed and Phase 4 to
+
+track your progress and readiness.
+
+ Execute a plan for retiring the capability to submit UCD v1.5 files on and after the mandate date.
+
+SEPTEMBER 29, 2025 — BEGIN UCD V1.5 TO UCD V2.0 TRANSITION PERIOD
+
+USING THE SUBSCHEMA PACKAGE FOR XML FILE VALIDATION
+
+The UCD Subschema was created as a development tool to validate test XML files. The Subschema will flag (as
+schema errors) the containers, data points, attributes and enumerations that are no longer supported in UCD
+v2.0. The GSEs recommend that the UCD Subschema be used throughout the development process to ensure
+proper compliance with the new data requirements.
+
+Note: When you move to production, you will need to discontinue use of the UCD Subschema and use the full
+MISMO v3.3.0 schema plus the UCD.xsd file. All the UCD.xsd files needed to produce the production XML file
+have been provided in the UCD v2.0 Production Schema on the GSEs websites.
+
+Tips for using the UCD Subschema for testing UCD v2.0 files:
+
+• Be sure to correctly spell containers, data points, attributes and enumerations. Check that the sequence
+
+and format comply with UCD v2.0.
+
+• Deliver all required data points. The UCD Subschema cannot enforce data points that are conditionally
+
+required.
+If data points not included in UCD v2.0 are present in the XML file, the UCD Subschema will flag them as
+errors.
+Include the new UCD.xsd file for data points and enumerations in ucd:FEE_EXTENSION_DETAIL.
diff --git a/chunks/txt/406a63071a10f2a3902a56373b72a7d02392cbba8cb904afe4e8f529fb963b04.txt b/chunks/txt/406a63071a10f2a3902a56373b72a7d02392cbba8cb904afe4e8f529fb963b04.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bace3d0346d69d01c55c6c2438beaf3f874f89ad
--- /dev/null
+++ b/chunks/txt/406a63071a10f2a3902a56373b72a7d02392cbba8cb904afe4e8f529fb963b04.txt
@@ -0,0 +1,115 @@
+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 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.
+
+The UPB when the Enterprise acquired the
+mortgage. The UPB is reported as the
+midpoint for the $10,000 interval into which
+the reported value falls to conform with CFPB
+Privacy Guidance.
+
+13
+
+8
+
+income_ratio
+
+Borrower Income Ratio
+
+9999.000 = Not Applicable or Not
+Available
+Example of data format: 0.5811 = The
+borrower(s) annual income is 58.11
+percent of the area median family
+income.
+
+14
+
+9
+
+upb_acq
+
+Acquisition Unpaid
+Principal Balance (UPB)
+
+999999999 = Not available
+
+SF CTF
+
+22
+
+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
+1
+
+15
+
+purpose_ctf
+
+Purpose of Loan
+
+16
+
+1
+
+fed_guarantee_ctf
+
+Federal Guarantee
+
+17
+18
+
+2
+1
+
+borr_num
+fthb
+
+Number of Borrowers
+First-Time Home Buyer
+
+19-23 1
+
+race1_borr,
+race2_borr,
+race3_borr,
+race4_borr,
+race5_borr
+
+Borrower Race
+
+Purpose of loan reported by the Enterprise. *
+Purchases include subordinate liens and
+home improvement/rehabilitation loans that
+are associated with a home purchase.
+
+*Includes FHA HECM and Title 1 loans.
+
+1 = Purchase*
+2 = Refinancing (not cash-out or
+unknown type of refi)
+4 = Home Improvement/Rehabilitation
+7 = Refinancing (cash-out)
+9 = Not applicable/not available
diff --git a/chunks/txt/406af8fee9a4be6e94a9490d67d35f2b2ab1daaaeada48c8bb77dfdbbae82e4f.txt b/chunks/txt/406af8fee9a4be6e94a9490d67d35f2b2ab1daaaeada48c8bb77dfdbbae82e4f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..966e417b1c4af11f4cc73389ef7c971a8019559f
--- /dev/null
+++ b/chunks/txt/406af8fee9a4be6e94a9490d67d35f2b2ab1daaaeada48c8bb77dfdbbae82e4f.txt
@@ -0,0 +1,104 @@
+8
+
+14
+
+14
+
+14
+
+6
+
+6
+
+6
+
+10
+
+10
+
+10
+
+10
+
+10
+
+Enumerated
+
+Enumerated
+
+Enumerated
+
+Enumerated
+
+Enumerated
+
+Enumerated
+
+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 1-53, 1-54, 1-55
+(values of Property Neighborhood Location
+Type) should be indicated.
+One and only one of fields 1-53, 1-54, 1-55
+(values of Property Neighborhood Location
+Type) should be indicated.
+One and only one of fields 1-53, 1-54, 1-55
+(values of Property Neighborhood Location
+Type) should be indicated.
+One and only one of fields 1-56, 1-57, 1-58
+(values of Neighborhood Builtup Range
+Type) should be indicated.
+One and only one of fields 1-56, 1-57, 1-58
+(values of Neighborhood Builtup Range
+Type) should be indicated.
+One and only one of fields 1-56, 1-57, 1-58
+(values of Neighborhood Builtup Range
+Type) should be indicated.
+One and only one of fields 1-59, 1-60, 1-61
+(values of Neighborhood Growth Pace Type)
+should be indicated.
+One and only one of fields 1-59, 1-60, 1-61
+(values of Neighborhood Growth Pace Type)
+should be indicated.
+One and only one of fields 1-59, 1-60, 1-61
+(values of Neighborhood Growth Pace Type)
+should be indicated.
+One and only one of fields 1-62, 1-63, 1-64
+(values of Neighborhood Property Value
+Trend Type) must be indicated.
+One and only one of fields 1-62, 1-63, 1-64
+(values of Neighborhood Property Value
+Trend Type) must be indicated.
+One and only one of fields 1-62, 1-63, 1-64
+(values of Neighborhood Property Value
+Trend Type) must be indicated.
+One and only one of fields 1-65, 1-66, 1-67
+(values of Neighborhood Demand and
+Supply Type) must be indicated.
+One and only one of fields 1-65, 1-66, 1-67
+(values of Neighborhood Demand and
+Supply Type) must be indicated.
diff --git a/chunks/txt/407ed67f742edc5b5a18216420a5cb177a9cf331a56aa2c30c00d5e44739954e.txt b/chunks/txt/407ed67f742edc5b5a18216420a5cb177a9cf331a56aa2c30c00d5e44739954e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..98c2de25bffc01f9ab5270925118621ed21cedd6
--- /dev/null
+++ b/chunks/txt/407ed67f742edc5b5a18216420a5cb177a9cf331a56aa2c30c00d5e44739954e.txt
@@ -0,0 +1,114 @@
+Metal plumbing
+fixtures.
+
+Metal plumbing
+fixtures.
+
+Overall Update Status for
+Bathrooms
+
+Fully Updated
+
+Condition Status
+New or Like New
+
+Condition Comment
+
+New or Like New
+
+New or Like New
+
+Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 8 of 20
+
+Unit Interior (continued)
+
+Interior Features
+
+Feature
+Flooring
+
+Detail
+Carpet
+
+Laminate
+
+Quality Comment
+Upgraded Carpet
+
+Walls and Ceiling
+
+8 Foot | Flat | Vaulted
+
+Overall Update Status for
+Flooring
+
+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 2024
+
+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
diff --git a/chunks/txt/408f0380bc01413f4529b2f706bffdd88be340c7699639a2cd5d474ec26fadae.txt b/chunks/txt/408f0380bc01413f4529b2f706bffdd88be340c7699639a2cd5d474ec26fadae.txt
new file mode 100644
index 0000000000000000000000000000000000000000..434a211d8bb0e62db7b1c2a7adb5e61f959af771
--- /dev/null
+++ b/chunks/txt/408f0380bc01413f4529b2f706bffdd88be340c7699639a2cd5d474ec26fadae.txt
@@ -0,0 +1,29 @@
+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).
+
+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 AA12345Client Reference ID AD43201AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 4 (SF4)
+
+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.
diff --git a/chunks/txt/4091e746b287219150481b504b0ead2b0129634c7cbfcf7d68d7543219b765e1.txt b/chunks/txt/4091e746b287219150481b504b0ead2b0129634c7cbfcf7d68d7543219b765e1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..89e7a446ed3ad45da94a02ca663b8592f2feed57
--- /dev/null
+++ b/chunks/txt/4091e746b287219150481b504b0ead2b0129634c7cbfcf7d68d7543219b765e1.txt
@@ -0,0 +1,69 @@
+To conform to HMDA reporting
+requirements, FHFA has incorporated
+these five fields in the single-family
+Census Tract File to reflect HMDA’s co-
+borrower race or national origin fields.
+(See the single-family matrix in the
+Appendix for the specific codes that
+apply to these data fields.) FHFA is
+continuing to include the data as a
+single data field in single-family
+National Files A and B, and the
+algorithm used for collapsing the five
+co-borrower race or national origin
+fields and co-borrower ethnicity field to
+the single data field is the same as that
+used for the five borrower race or
+national origin fields and borrower
+ethnicity field discussed under single-
+family data fields 41a-41e above.
+
+d. Single-Family Data Field 42f: Co-
+Borrower Ethnicity
+
+This new data field identifies the
+ethnicity of the co-borrower of the loan
+acquired by the Enterprise. The
+Enterprises have been reporting single-
+family co-borrower ethnicity to FHFA,
+but the data was previously included
+under code 7 (Hispanic or Latino) in
+data field 42 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 co-borrower ethnicity,
+FHFA has added this data element as
+new data field 42f in the single-family
+Census Tract File. (See the single-family
+matrix in the Appendix for the specific
+codes that apply.)
+
+e. Single-Family Data Field 59: Lien
+Status
+
+This new data field identifies the lien
+
+status of the single-family loans
+acquired by the Enterprises. The
+Enterprises have been reporting single-
+family lien status under the ‘‘purpose of
+loan’’ data field. Freddie Mac confirmed
+that it collects single-family lien status
+data when it purchases mortgage loans
+and currently provides this data to
+FHFA. Freddie Mac stated that the
+single-family lien status data field
+should be identified in the PUDB as ‘‘not
+applicable’’ because of the Enterprises’
+status as loan purchasers, asserting that
+the HMDA instructions specifically
+differentiate between the reporting
+requirements and data element coding
+for originated versus purchased loans.
+Fannie Mae did not comment on single-
+family lien status.
diff --git a/chunks/txt/409e252a6e901612587bc86e66b561cfa380e15013dae2ec720cfa89c669553e.txt b/chunks/txt/409e252a6e901612587bc86e66b561cfa380e15013dae2ec720cfa89c669553e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2930f48b69daf01dd7b212d33a2e618f5fec10d5
--- /dev/null
+++ b/chunks/txt/409e252a6e901612587bc86e66b561cfa380e15013dae2ec720cfa89c669553e.txt
@@ -0,0 +1,21 @@
+## Documentation
+
+[Overview](/document/uad-aggregate-statistics-data-file-overview.pdf) (10/28/2024)
+
+[Data Dictionary](/document/uad-aggregate-statistics-data-file-dictionary.pdf) (10/28/2024)
+
+[Data File Version History and Suppression Rates](/document/uad-aggregate-statistics-data-file-version-history-and-suppression-rates-v3_3.pdf) (12/18/2024)
+
+[Dashboard Guide](/document/UAD-Aggregate-Statistics-Dashboard-Guide-Documentation.pdf) (2/3/2025)
+
+## UAD Aggregate Statistics Dashboards
+
+The [UAD Aggregate Statistics Dashboards](/data/uad/aggregate-statistics-dashboards) are the visual front end of the UAD Aggregate Statistics Data File. The Dashboards are designed to provide easy access to customized maps and charts for all levels of users. Access the UAD Aggregate Statistics Dashboards [here](/data/uad/aggregate-statistics-dashboards).
+
+## UAD Aggregate Statistics Datasets
+
+Notes:
+
+- Some of the data files are relatively large in size and will not open correctly in certain software packages, such as Microsoft Excel. All the files can be opened and used in data analytics software such as SAS, Python, or R.
+- All CSV files are zipped.
+Enterprise Single Family Appraisals Format Release Date **Quarterly Data (2013 Q1-2024 Q3); Annual Data (2013-2023)** All Geographic Areas [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_full_v3_3.zip) 12/18/2024 National [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_nat_v3_3.zip) 12/18/2024 States [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_state_v3_3.zip) 12/18/2024 100 Largest Metro Areas [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_cbsa_v3_3.zip) 12/18/2024 Counties [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_county_v3_3.zip) 12/18/2024 Census Tracts [[CSV]](/sites/default/files/2024-12/UADAggs_ent_sf_tract_v3_3.zip) 12/18/2024 Enterprise Condominium Appraisals Format Release Date **Quarterly Data (2013 Q1-2024 Q3); Annual Data (2013-2023)** All Geographic Areas [[CSV]](/sites/default/files/2024-12/UADAggs_ent_condo_full_v3_3.zip) 12/18/2024 National [[CSV]](/sites/default/files/2024-12/UADAggs_ent_condo_nat_v3_3.zip) 12/18/2024 States [[CSV]](/sites/default/files/2024-12/UADAggs_ent_condo_state_v3_3.zip) 12/18/2024 100 Largest Metro Areas [[CSV]](/sites/default/files/2024-12/UADAggs_ent_condo_cbsa_v3_3.zip) 12/18/2024 FHA Single-Family Appraisals Format Release Date **Quarterly Data (2017 Q1-2024 Q3); Annual Data (2017-2023)** All Geographic Areas [[CSV]](/sites/default/files/2024-12/UADAggs_fha_sf_full_v3_3.zip) 12/18/2024 National [[CSV]](/sites/default/files/2024-12/UADAggs_fha_sf_nat_v3_3.zip) 12/18/2024 States [[CSV]](/sites/default/files/2024-12/UADAggs_fha_sf_state_v3_3.zip) 12/18/2024 100 Largest Metro Areas [[CSV]](/sites/default/files/2024-12/UADAggs_fha_sf_cbsa_v3_3.zip) 12/18/2024 Counties [[CSV]](/sites/default/files/2024-12/UADAggs_fha_sf_county_v3_3.zip) 12/18/2024 ## Contact
diff --git a/chunks/txt/40c1dbb499a401b64bb8da5b446c2eb8f7dd8d5a799065e3573f78960e942027.txt b/chunks/txt/40c1dbb499a401b64bb8da5b446c2eb8f7dd8d5a799065e3573f78960e942027.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ffdce9560310892905ff85c8e6cd5a1757d7946a
--- /dev/null
+++ b/chunks/txt/40c1dbb499a401b64bb8da5b446c2eb8f7dd8d5a799065e3573f78960e942027.txt
@@ -0,0 +1,5 @@
+Today, the FHLBanks connect domestic financial institutions—many of which are small, community-focused lenders—to the global capital markets. Those connections make it possible for lenders to provide more consistent and sustained support for housing finance and community development. By many metrics, the FHLBanks have achieved this objective, as the liquidity they provide has facilitated affordable homeownership and rental housing throughout the country. Despite these successes, the evolving nature of the modern mortgage market necessitates an in-depth review of the structure, operations, and oversight of the FHLBanks to ensure they are most effectively advancing their mission.
+
+The Federal Housing Finance Agency (FHFA), established by Congress in 2008, serves as regulator of the FHLBank System. In August 2022, FHFA launched the *FHLBank System at 100: Focusing on the Future* initiative, the first comprehensive review of the FHLBank System in decades. Throughout this process, FHFA undertook a prospective analysis of changes that may be warranted to ensure the FHLBanks are well positioned to fulfill their mission in the years ahead. The initiative involved significant stakeholder outreach, a historical review of the role of the FHLBanks, and detailed analysis of both the strengths and areas for improvement in the System’s current structure.
+
+FHFA’s vision for the future is to have an effectively governed System that efficiently provides stable and reliable funding to creditworthy members and delivers innovative products and services to support the housing and community development needs of the communities its members serve, all in a safe and sound manner.
diff --git a/chunks/txt/40c6cc7bde3844fc994ee05204a7c778e910e87bbda97955ef1c4738eefd3cfc.txt b/chunks/txt/40c6cc7bde3844fc994ee05204a7c778e910e87bbda97955ef1c4738eefd3cfc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c511a719bd1f8276206abee4cc175d1c0b36ef33
--- /dev/null
+++ b/chunks/txt/40c6cc7bde3844fc994ee05204a7c778e910e87bbda97955ef1c4738eefd3cfc.txt
@@ -0,0 +1,175 @@
+Sale Price
+
+Sale Date
+
+Gross Monthly Rent
+
+Gross Rent Multiplier
+
+TB
+
+Comparable Weight
+
+H1
+
+Indicated Value by Income Approach
+
+this must appear
+
+TXR-B
+TB
+
+H1
+TXC
+
+Total Monthly Market Rent
+
+×
+
+Gross Rent Multiplier
+
+=
+
+Indicated Value by Income Approach
+
+Income Approach Commentary
+
+H1
+
+Income Approach Exhibits
+
+CAP
+
+Comparable #
+
+CAP
+
+Comparable #
+
+CAP
+
+Comparable #
+
+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
+
+Cost Approach
+
+H1
+
+Indicated Value by Cost Approach
+
+2 COLUMN PAGE FORMAT
+
+HDR-R
+
+TXR-B
+
+TXR-B
+
+Depreciated Cost of Dwellings
+Depreciated Cost of Outbuildings
+As Is Value of Site Improvements
+Opinion of Site Value
+
+H1
+
+TB
+
+Depreciated Cost - Dwelling - [Structure Identifier]
+
+@
+
+Physical Depreciation
+
+Functional Depreciation
+
+External Depreciation
+
+Total Depreciation
+
+Manufactured Home Delivery,
+Installation, and Set Up
+
+TB
+
+TB_sub-H1-R
+
+Total
+
+TXR-B
+TXR-B
+
+Remaining Economic Life
+Effective Age
+
+TXC-B
+
+Commentary on Remaining Economic Life
+
+TXC-B
+
+Commentary on Effective Age
+
+H1
+
+TB
+
+Depreciated Cost - Outbuilding - [Outbuilding Type]
+
+@
+
+Physical Depreciation
+
+Functional Depreciation
+
+External Depreciation
+
+Total Depreciation
+
+Manufactured Home Delivery,
+Installation, and Set Up
+
+TB
+
+H1
+
+As Is Value of Site Improvements
+
+Description
+
+TCH
+TB
+
+H1
+
+Site Value
+
+TB_sub-H1-R
+
+Total
+
+Amount
+
+TB_sub-H1-R
+
+Total
+
+TCH
+
+Primary Site Valuation Method
+
+TB_sub-H1-R
+
+Opinion of Site Value
+
+H2
+
+Land Comparables
diff --git a/chunks/txt/40d6112884b38bcfb999717b99417e83cfb8d4bc471afde3613f764870b553ef.txt b/chunks/txt/40d6112884b38bcfb999717b99417e83cfb8d4bc471afde3613f764870b553ef.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f1fc175103860ed5257f2bf3a05d3bb641a5e919
--- /dev/null
+++ b/chunks/txt/40d6112884b38bcfb999717b99417e83cfb8d4bc471afde3613f764870b553ef.txt
@@ -0,0 +1 @@
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/2536","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/40d715d4e1aebc2b6a524e232fb939573a9c45da61f5cd322d6f18f9bbc19c51.txt b/chunks/txt/40d715d4e1aebc2b6a524e232fb939573a9c45da61f5cd322d6f18f9bbc19c51.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3fccd9442cb40becfe21b0816e353d7c2fb55672
--- /dev/null
+++ b/chunks/txt/40d715d4e1aebc2b6a524e232fb939573a9c45da61f5cd322d6f18f9bbc19c51.txt
@@ -0,0 +1,109 @@
+Sale Price is only
+applicable to
+comparables
+
+Sale Date is only
+applicable to
+comparables
+
+Is Gross Monthly Rent
+Estimated is only
+applicable to
+comparables
+
+Rental Information
+•
+Total Monthly
+Actual Rent
+23.01.14
+
+Gross Rent Multiplier is
+only reported here for
+comparables
+
+No
+
+No
+
+No
+
+No
+
+No
+
+Additional Row
+This row displays on the GRM comparison grid when an additional data
+element 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.
+
+Yes (actual monthly rent is not available)
+No
+
+Is Gross Monthly Rent Estimated?
+•
+•
+Note: If Yes, Gross Monthly Rent displays with a tilde (~) for the GRM
+comparable, and the reason the actual rent could not be obtained must
+be reported in Income Approach Commentary.
+
+Gross Monthly Rent for all units, also referred to as Total Monthly Actual
+Rent
+Notes:
+•
+•
+
+Report the monthly rent for each GRM comparable.
+For the subject, the Gross Monthly Rent 24.007 might not equal
+the Total Monthly Market Rent 24.022.
+
+No
+
+Calculated for each GRM comparable: Sale Price / Gross Monthly Rent
+
+Note: Gross Rent Multiplier for the subject property is reported in
+24.023
+
+Appendix F-1: URAR Reference Guide
+
+Page 307 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+24 Income Approach
+
+Report
+Field ID
+
+24.021
+
+Report Label
+
+Comparable
+Weight
+
+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
+
+Always
+
+Always required
diff --git a/chunks/txt/40ef2a398914e3e3bc2fbdea7dac6f38762e38fe877753f76b1fa32eab1b62c7.txt b/chunks/txt/40ef2a398914e3e3bc2fbdea7dac6f38762e38fe877753f76b1fa32eab1b62c7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d6a98ec03027fee67a5413be05354ab01dcfc27e
--- /dev/null
+++ b/chunks/txt/40ef2a398914e3e3bc2fbdea7dac6f38762e38fe877753f76b1fa32eab1b62c7.txt
@@ -0,0 +1,112 @@
+Condition Status
+New or Like New
+
+Condition Comment
+
+New or Like New
+
+New or Like New
+
+Fully Updated
+
+Less than 1 year
+
+Pedestal sink, tile floor.
+
+New or Like New
+
+Overall Update Status for
+Bathrooms
+
+Fully Updated
+
+Interior Features
+
+Feature
+Flooring
+
+Detail
+Carpet
+
+Quality Comment
+Carpet is Nylon short loop.
+
+Condition Status
+New or Like New
+
+Ceramic Tile
+
+18” square stone tile.
+
+New or Like New
+
+Engineered Wood
+
+6” engineered oak plank.
+
+New or Like New
+
+Condition Comment
+
+Walls and Ceiling
+
+9 Ft. | 10 or more feet | Beams
+
+Beamed 10’ ceilings
+on the first level.
+
+New or Like New
+
+Overall Update Status for
+Flooring
+
+Fully Updated
+
+Apparent Defects, Damages, Deficiencies (Unit Interior)
+
+None
+
+Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 8 of 24
+Page 8 of 24
+
+Unit Interior (continued)
+
+Unit Interior Exhibits
+
+Level B1 - Bath - Full
+
+Level B1 - Bedroom - Bedroom 1
+
+This is where the Full Bathroom 1 photo would display.
+
+This is where the Bedroom 1 photo would display.
+
+Level B1 - Bedroom - Bedroom 2
+
+Level B1 - Family Room
+
+This is where the Bedroom 2 photo would display.
+
+This is where the Family Room 1 photo would display.
+
+Level B1 - Sunroom
+
+Level 1 - Bath - Full
+
+This is where the Sunroom photo would display.
+
+This is where the Full Bathroom 2 photo would display.
+
+Level 1 - Bath - Half
+
+Level 1 - Bedroom
+
+This is where the Half Bathroom photo would display.
+
+This is where the Bedroom 3 photo would display.
+
+Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024
diff --git a/chunks/txt/411633ff0516ff332376b87533aa9259c741c8aefeda4ccd9417c88f26e97be1.txt b/chunks/txt/411633ff0516ff332376b87533aa9259c741c8aefeda4ccd9417c88f26e97be1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..056bff05d6db6f4a8fc6972d4a5bc96a8baee284
--- /dev/null
+++ b/chunks/txt/411633ff0516ff332376b87533aa9259c741c8aefeda4ccd9417c88f26e97be1.txt
@@ -0,0 +1,91 @@
+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_2018.xlsx
+
+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
+
+Geographically Targeted Indicator indicating whether the property is in census tracts
+annually classified as underserved by HUD
+1=yes;
+2=no
diff --git a/chunks/txt/41285c68a2c368edcc827f43d9c47b66e2c65201056ec7458143f40fc2585010.txt b/chunks/txt/41285c68a2c368edcc827f43d9c47b66e2c65201056ec7458143f40fc2585010.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d7f8460f799adcbc4fed95ee587affe8ab6efef6
--- /dev/null
+++ b/chunks/txt/41285c68a2c368edcc827f43d9c47b66e2c65201056ec7458143f40fc2585010.txt
@@ -0,0 +1,113 @@
+none
+
+none
+
+none
+
+Jess T. Sea
+
+999-00-1147 685, 645,691
+
+Joint
+
+5004629
+
+1 x 30
+
+none
+
+none
+
+none
+
+Ann T. Sea
+Ann lacks traditional credit
+
+999-00-9066
+
+None
+
+Ron Tintin
+
+999-72-5641 660, 670, 680
+
+Individual
+
+500463
+
+999-42-2345 No Credit
+
+Individual
+
+500465
+
+Score
+
+none
+
+none
+
+none
+
+none
+
+none
+
+none
+
+none
+
+none
+
+none
+
+none
+
+none
+
+none
+
+none
+
+none
+
+none
+
+none
+
+none
+
+1
+
+000-01-0001 710, 703
+
+Individual
+
+5004439
+
+3 X 30
+
+1 X 60
+
+none
+
+none
+
+none
+
+none
+
+none
+
+none
+
+none
+
+Note: The borrower names, which are used for DU testing and training purposes, are fictitious and do not relate to real people. The names, addresses, Social
+Security numbers, and ITINs were created at random – any similarity to real individuals is unintentional.
+
+© 2018 Fannie Mae. Trademarks of Fannie Mae.
+
+November 8, 2018
+
+2 of 2
diff --git a/chunks/txt/4128ca165818c928b7701efd826132d9dee6e943e0e4456bd5705ce815d54526.txt b/chunks/txt/4128ca165818c928b7701efd826132d9dee6e943e0e4456bd5705ce815d54526.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8aa86d4a879fc435c298ef4ccb904358dcb1a266
--- /dev/null
+++ b/chunks/txt/4128ca165818c928b7701efd826132d9dee6e943e0e4456bd5705ce815d54526.txt
@@ -0,0 +1,27 @@
+At the time UCD was implemented in 2016, it wasn’t clear whether multiple Note Pay Tos, Mortgage Brokers or Closing
+Agents needed to be accommodated in the dataset. The only way within XML to resolve a many-to-many relationship
+between more than one organization type and more than one contact is to use xlink. Based on experience with submitted
+XML files, the GSEs determined that data for just one Note Pay To and one Closing Agent is needed. One Mortgage Broker is
+needed if it participated in the transaction. This decision eliminated the need to design the dataset to handle many-to-many
+relationships. Therefore, in UCD v2.0, there must be two and only two instances of PARTY with the same PartyRoleType value:
+one with the child container INDIVIDUAL and one with the child container LEGAL_ENTITY. This is illustrated in Figure 111.
+
+UCD v2.0 Implementation Guide
+
+- 134 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Y. REQUIRED PARTY DATA
+
+The Closing Agent company name is rendered on the first page of the CD under 1.0 “Closing Information”. The Borrower(s)
+name and address and the Note Pay To company name are populated in 2.0 “Transaction Information”.
+
+CD Field IDs 1.4 and 2.3 illustrate the data mapping principle that the name of a data point or enumeration does not need
+to exactly match a form field label. It must just be equivalent. The PartyRoleType enumeration “ClosingAgent” is equivalent
+to Settlement Agent and the data in the Closing Agent PARTY should be mapped to Settlement Agent fields on the CD. The
+same is true for “NotePayTo” for Lender and “RealEstateAgent” for Real Estate Broker.
diff --git a/chunks/txt/4152baaf87b8c674c686cca017aead3357c7ede186fc1bdc32da348cb437f7ba.txt b/chunks/txt/4152baaf87b8c674c686cca017aead3357c7ede186fc1bdc32da348cb437f7ba.txt
new file mode 100644
index 0000000000000000000000000000000000000000..56132debf45c579eaab9a34aba6780f4eeade662
--- /dev/null
+++ b/chunks/txt/4152baaf87b8c674c686cca017aead3357c7ede186fc1bdc32da348cb437f7ba.txt
@@ -0,0 +1,42 @@
+•
+
+Image data associated with a room in the living unit must be included in the IMAGE container located in the instance of the
+ROOM (based on the RoomType) container. For example, image data associated with the kitchen is included in the instance of
+the ROOM container where RoomType = “Kitchen”.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 51
+
+•
+
+Image data associated with each interior feature (flooring, walls, and ceiling, etc.) of a living unit must be included in the IMAGE
+container located in the instance of the INTERIOR_COMPONENT container that represents the referenced interior feature.
+
+•
+
+Image data associated with each defect, damage, or deficiency must be included in the IMAGE container located in the instance
+of the DEFECT container that represents the defect.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 52
+
+Image Category Type
+
+When images use ImageCategoryType, the appropriate enumeration must be provided. The valid value either is a descriptor of the image or
+reference the report subsection as specified in the associated section of this document.
+
+•
+
+ImageCategoryType is a descriptor of the image. For example,
+
+o When an image of the legal description is included in the appraisal, ImageCategoryType = “LegalDescription”.
+o When an image of a site influence is included in the appraisal, ImageCategoryType = “SiteInfluence”.
+
+•
+
+ImageCategoryType references a report subsection. For example,
+
+o An image provided as an exhibit in the Site section uses ImageCategoryType = “SiteExhibit”.
+o An image provided as an exhibit in the Dwelling Exterior section uses ImageCategoryType = “DwellingExteriorExhibit”.
diff --git a/chunks/txt/41562f458965a00cc8f656463be000aca54ddd0da83805af59e09f0943d9b774.txt b/chunks/txt/41562f458965a00cc8f656463be000aca54ddd0da83805af59e09f0943d9b774.txt
new file mode 100644
index 0000000000000000000000000000000000000000..319ba7831412bb8b3244417c65dd4b7bf1c8d085
--- /dev/null
+++ b/chunks/txt/41562f458965a00cc8f656463be000aca54ddd0da83805af59e09f0943d9b774.txt
@@ -0,0 +1,26 @@
+Currently, DU does not consider net equity reported on the loan application when validating assets. With this update DU will
+validate assets when the sum of the eligible accounts in the asset verification report plus the net equity funds is greater than or
+equal to the Total Funds to be Verified amount. DU will issue a new message providing the amount of assets validated using the
+asset verification report, and the amount of funds from the pending property sale that have not been validated.
+
+Lenders must continue to follow the Selling Guide requirements related to documentation of net equity, any large deposits
+identified by DU, and any gift funds.
+
+Evaluating assets when reported assets are not sufficient to cover closing costs
+
+Currently, DU will not attempt to validate assets when assets provided on the loan application are not sufficient to cover the
+Funds Required to Close amount. With this update, when assets listed on the loan application are less than the Funds Required to
+Close amount, but the assets observed in the asset verification report are greater than or equal to the Total Funds to be Verified
+amount, a new message will be issued indicating that assets could be validated if assets listed on the loan application are
+updated to be greater than or equal to the Funds Required to Close amount.
+
+© 2024 Fannie Mae.
+
+6.18.24
+
+1 of 2
+
+Messaging about assets observed in the asset verification report
+
+When DU evaluates an asset verification report, a new message will be issued listing all eligible accounts that appear on the asset
+verification report, including the current balance and owner(s) listed for each account.
diff --git a/chunks/txt/4157a241eca598245bdb0a4f95e9aa38ccde5d88ad3dcfe3ca33808fa38fb2ed.txt b/chunks/txt/4157a241eca598245bdb0a4f95e9aa38ccde5d88ad3dcfe3ca33808fa38fb2ed.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ee789380470ba874718b24d7ced26cb677bfc378
--- /dev/null
+++ b/chunks/txt/4157a241eca598245bdb0a4f95e9aa38ccde5d88ad3dcfe3ca33808fa38fb2ed.txt
@@ -0,0 +1,7 @@
+Appraisal Update Commentary (H1) .................................................................................................................. 81
+
+Appraisal Update Exhibits (H1) ........................................................................................................................... 81
+
+Assignment Information ................................................................................................................................ 81
+
+Contact Information (H1) .................................................................................................................................... 82
diff --git a/chunks/txt/41613695932ce30aa0c593e700280473ce76dfd3af4cbe108c7eb1e4149e28b1.txt b/chunks/txt/41613695932ce30aa0c593e700280473ce76dfd3af4cbe108c7eb1e4149e28b1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e0ce1b7a2737eddbafb56240e16359016613a356
--- /dev/null
+++ b/chunks/txt/41613695932ce30aa0c593e700280473ce76dfd3af4cbe108c7eb1e4149e28b1.txt
@@ -0,0 +1,216 @@
+197
+
+1
+
+190
+
+IMPROVEMENTS
+
+Car Storage
+Attached
+
+Car Storage
+Attachment Type
+
+Specifies if the Car Storage Location
+specified by Car Storage Location Type is
+attached or detached.
+
+VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE[
+@_AttachmentType='Attached']
+
+8
+
+Enumerated
+
+198
+
+1
+
+191
+
+IMPROVEMENTS
+
+Car Storage
+Detached
+
+Car Storage
+Attachment Type
+
+Specifies if the Car Storage Location
+specified by Car Storage Location Type is
+attached or detached.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE
+[@_AttachmentType='Detached']
+
+8
+
+Enumerated
+
+199
+
+1
+
+192
+
+IMPROVEMENTS
+
+Car Storage
+Attachment Type
+
+Specifies if the Car Storage Location
+specified by Car Storage Location Type is
+attached or detached.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE
+[@_AttachmentType='BuiltIn']
+
+Car Storage
+Built-in
+
+Appliances
+Refrigerator
+
+Appliances
+Range/Oven
+
+Appliances
+Dishwasher
+
+Appliances
+Disposal
+
+Appliances
+Microwave
+
+Appliances
+Washer/Dryer
+
+Appliances
+Other
+
+Appliances
+Other (describe)
+
+193
+
+IMPROVEMENTS
+
+194
+
+IMPROVEMENTS
+
+195
+
+IMPROVEMENTS
+
+196
+
+IMPROVEMENTS
+
+197
+
+IMPROVEMENTS
+
+198
+
+IMPROVEMENTS
+
+199
+
+IMPROVEMENTS
+
+200
+
+IMPROVEMENTS
+
+200
+
+201
+
+202
+
+203
+
+204
+
+205
+
+206
+
+207
+
+208
+
+209
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+Kitchen Equipment
+Exists Indicator
+
+Kitchen Equipment
+Exists Indicator
+
+Kitchen Equipment
+Exists Indicator
+
+Kitchen Equipment
+Exists Indicator
+
+Kitchen Equipment
+Exists Indicator
+
+Kitchen Equipment
+Exists Indicator
+
+Kitchen Equipment
+Exists Indicator
+
+Kitchen Equipment
+Type Other
+Description
+
+Indicates if the kitchen equipment
+specified in Kitchen Equipment Type is
+present in the unit.
+Indicates if the kitchen equipment
+specified in Kitchen Equipment Type is
+present in the unit.
+Indicates if the kitchen equipment
+specified in Kitchen Equipment Type is
+present in the unit.
+Indicates if the kitchen equipment
+specified in Kitchen Equipment Type is
+present in the unit.
+Indicates if the kitchen equipment
+specified in Kitchen Equipment Type is
+present in the unit.
+Indicates if the kitchen equipment
+specified in Kitchen Equipment Type is
+present in the unit.
+Indicates if the kitchen equipment
+specified in Kitchen Equipment Type is
+present in the unit.
+A free-form text field used to describe the
+kitchen equipment if Other is selected as
+the Kitchen Equipment Type.
diff --git a/chunks/txt/41722c1f99532f013cc250862797ca71041e2d8fedf7994441cc0ca0019d38d6.txt b/chunks/txt/41722c1f99532f013cc250862797ca71041e2d8fedf7994441cc0ca0019d38d6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6a2d91bbe2c4db1be77ebb09775e50fa3b7568ba
--- /dev/null
+++ b/chunks/txt/41722c1f99532f013cc250862797ca71041e2d8fedf7994441cc0ca0019d38d6.txt
@@ -0,0 +1,73 @@
+Housing Trends
+
+Demand/Supply
+
+Market Commentary
+
+In Balance
+
+Marketing Time
+
+Under 3 months
+
+This rural market has lake front dwellings that vary in type of construction. There are distressed properties currently listed. These properties
+represent the low limit of the area price range.
+
+Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 17 of 30
+Page 17 of 30
+
+Market (continued)
+
+Market Exhibits
+
+Price Trend - Home Value
+
+Price Trend - 5 Year Trend
+
+This is where the Price Trend Home Value graph would display.
+
+This is where the Price Trend 5 Year Trend graph would display.
+
+Subject Listing Information
+
+Current and/or relevant listings of the subject property (minimum 1 year look back)
+
+Current or Relevant Listings
+
+Data Source
+
+None
+Property Owner
+
+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 The subject property has been owned by the borrower for over 10 years
+and was recently upgraded with the installation of a new manufactured home.
+
+Appraiser Reference ID 2222-55HG Client Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 18 of 30
+
+Prior Sale and Transfer History (continued)
+
+Comparable Transfer History
+
+Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)
+#
+1
diff --git a/chunks/txt/417a76c0999ba5c83cc264e09438ebcd47a171d4c61cbd4d6f634d10417563ae.txt b/chunks/txt/417a76c0999ba5c83cc264e09438ebcd47a171d4c61cbd4d6f634d10417563ae.txt
new file mode 100644
index 0000000000000000000000000000000000000000..56a76911e55ec739e2eed928d0b4118eb971db76
--- /dev/null
+++ b/chunks/txt/417a76c0999ba5c83cc264e09438ebcd47a171d4c61cbd4d6f634d10417563ae.txt
@@ -0,0 +1,65 @@
+Notes:
+•
+
+•
+
+If there are multiple permanent waterfront features and bodies of water,
+provide further details in Water Frontage Commentary (4.038).
+Photos or images for the indicated permanent waterfront feature may be
+provided, which display in Site Exhibits with the caption “Permanent
+Waterfront Feature”. An additional caption must be provided, including
+the waterfront feature type(s) and any other descriptive information as
+appropriate.
+
+4.033 Right to Build
+
+Required if Permanent
+Waterfront Feature is
+None
+
+Yes | No
+
+Right to Build Waterfront Features
+When there are no waterfront features on the property (Permanent Waterfront
+Feature is None), indicate whether the property has the right to improve the
+shoreline or build waterfront features.
+
+Allowable Answer
+
+Definition / Additional Guidance
+
+Permanent Waterfront Feature (Choose all that apply)
+
+None
+
+Beach
+
+Boat Lift
+
+Boat Ramp
+
+Boat Slip
+
+Dock
+
+Pier
+
+Riprap
+
+Seawall or Bulkhead
+
+Other (Describe)
+
+There are no waterfront features on the property.
+
+A strip of land separating a body of water from inland areas, typically used for recreation or leisure purposes.
+
+A machine for raising and lowering watercraft to and from the water.
+
+A form of access point, leading to a body of water, for boats or other watercraft.
+
+A docking point for boats or other watercraft.
+
+A platform leading out from shore into a body of water that is not attached to pillars or girders. Can be permanently
+installed, or temporary to allow for removal due to seasonality.
+Note: Docks that are temporary or not permanently installed are considered personal property and are not reported here.
diff --git a/chunks/txt/417ae250c99091fba1a10ca1710df15bcb097ea9ab9cc4b20881fe3ddc13ffa4.txt b/chunks/txt/417ae250c99091fba1a10ca1710df15bcb097ea9ab9cc4b20881fe3ddc13ffa4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0d6d310c2d015412590a60af9e84eae75a16d32b
--- /dev/null
+++ b/chunks/txt/417ae250c99091fba1a10ca1710df15bcb097ea9ab9cc4b20881fe3ddc13ffa4.txt
@@ -0,0 +1,13 @@
+Subject Property Amenities ........................................................................................................................... 52
+
+Apparent Defects, Damages, Deficiencies (Subject Property Amenities) (H1) ................................................... 52
+
+Subject Property Amenities Commentary (H1) .................................................................................................. 53
+
+Appendix E: Report Style Guide
+
+Page 7 of 90
+
+Version 1.4
+
+Subject Property Amenities Exhibits (H1) ........................................................................................................... 53
diff --git a/chunks/txt/418637d46d6e4402b1044de94d156fbdddbf237a6f40a3a1ba71cfd871cf6d49.txt b/chunks/txt/418637d46d6e4402b1044de94d156fbdddbf237a6f40a3a1ba71cfd871cf6d49.txt
new file mode 100644
index 0000000000000000000000000000000000000000..67c4f87958f17f8d08195348fadc834ac52b9a6a
--- /dev/null
+++ b/chunks/txt/418637d46d6e4402b1044de94d156fbdddbf237a6f40a3a1ba71cfd871cf6d49.txt
@@ -0,0 +1,37 @@
+[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
+
+# Examiner Resources
+
+**A Uniform Rating System - CAMELSO**
+
+FHFA's examiners use a uniform rating system for Fannie Mae and Freddie Mac and the Federal Home Loan Banks.
+
+The examiners employ a risk-focused rating system under which each regulated entity and the Office of Finance is assigned a common composite rating based on an evaluation of various aspects of its operations. [CAMELSO](/supervision/examiner-resources/camelso)
diff --git a/chunks/txt/418e196ee4ffc5f1d5bc82c2ec0a331a90aba9f24d412b84c694725a0abfdd54.txt b/chunks/txt/418e196ee4ffc5f1d5bc82c2ec0a331a90aba9f24d412b84c694725a0abfdd54.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0f1e3ccfa74428f60ee350e3266c8ab050c70c5b
--- /dev/null
+++ b/chunks/txt/418e196ee4ffc5f1d5bc82c2ec0a331a90aba9f24d412b84c694725a0abfdd54.txt
@@ -0,0 +1,229 @@
+One and only one of fields 1-128, 1-
+129 (values of Property Analysis Exists
+Indicator and Property Analysis Type =
+'AdverseSiteConditions') should be
+indicated.
+
+One and only one of fields 1-128, 1-
+129 (values of Property Analysis Exists
+Indicator and Property Analysis Type =
+'AdverseSiteConditions') should be
+indicated.
+
+If field 1-128 (Property Analysis Exists
+Indicator = 'Y' and Property Analysis
+Type = 'AdverseSiteConditions') is
+indicated then this field should be
+populated.
+
+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 90 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
+
+PROJECT
+INFORMATION
+
+Data source(s) for project
+information
+
+Data Source
+Description
+
+A free-form text field used to describe the
+source of information.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/@DataSourceDescription
+
+125
+
+String
+
+137
+
+138
+
+139
+
+140
+
+141
+
+142
+
+143
+
+144
+
+145
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+131
+
+132
+
+133
+
+134
+
+135
+
+136
+
+137
+
+138
+
+139
+
+PROJECT
+INFORMATION
+
+Project Description
+Detached
+
+Project Design
+Type
+
+This field specifies the type of design for
+the multiple unit buildings in a project.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DesignType='Detached'
+]
diff --git a/chunks/txt/4198be576b0efde0d93c307f2359b5b27d80c0aac994f9fd5817703a954e19c0.txt b/chunks/txt/4198be576b0efde0d93c307f2359b5b27d80c0aac994f9fd5817703a954e19c0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..770dee162c36540db303c19b079e3a0119f2366a
--- /dev/null
+++ b/chunks/txt/4198be576b0efde0d93c307f2359b5b27d80c0aac994f9fd5817703a954e19c0.txt
@@ -0,0 +1,124 @@
+No
+
+Indicates whether the homeowner is responsible for all exterior
+maintenance of the dwelling(s) on the property.
+
+No
+
+Number of dwellings on the property. A dwelling is a structure designed
+to be used as a residence that contains one or more living units.
+
+Examples:
+•
+
+Enter 1 for a 2-unit property where both units are in the same
+building.
+Enter 1 for a 3-unit property where all units are in the same
+building.
+Enter 2 for a 2-unit property where each unit is in a separate
+building.
+
+•
+
+•
+
+Report
+Field ID
+
+Not on
+Report
+
+Not on
+Report
+
+22.08.01
+22.08.16
+
+When Units Excluding
+ADUs is more than 1
+
+Free-form
+
+Dwelling Exterior, if
+applicable for each
+dwelling
+•
+
+Structure Identifier
+8.000
+
+No
+
+Examples: Building 1, Building 2
+
+Q1 to Q6
+
+Required when
+Homeowner
+Responsible for
+Exterior Maintenance
+of all Dwellings is Yes
+
+Dwelling Exterior
+•
+
+Exterior Quality
+Rating 8.022
+
+No
+
+The Exterior Quality Rating for the dwelling 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.
+
+22.08.02
+22.08.17
+
+Quality
+
+Structure ID When Units
+
+Excluding
+ADUs is more
+than 1 for the
+subject or any
+comparable
+
+When
+Homeowner
+Responsible
+for Exterior
+Maintenance
+of all
+Dwellings is
+Yes for the
+subject
+
+Appendix F-1: URAR Reference Guide
+
+Page 251 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
diff --git a/chunks/txt/41ab572dd2c152ae95b7de63a9f2dcc83b11162773f01bb921b53f2efaa63530.txt b/chunks/txt/41ab572dd2c152ae95b7de63a9f2dcc83b11162773f01bb921b53f2efaa63530.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5fb0d39ab740f1c51208cc59a5a358855e58056a
--- /dev/null
+++ b/chunks/txt/41ab572dd2c152ae95b7de63a9f2dcc83b11162773f01bb921b53f2efaa63530.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/data/duty-to-serve/eligibility-data"
+date_accessed: "2026-01-27T17:48:01.352Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/41acd86e8fab1497b97da9650546b458741263062af0dab9b0a650d045fa3cc1.txt b/chunks/txt/41acd86e8fab1497b97da9650546b458741263062af0dab9b0a650d045fa3cc1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e482ed3a39757ea0844c5ca08061604a8d5d004f
--- /dev/null
+++ b/chunks/txt/41acd86e8fab1497b97da9650546b458741263062af0dab9b0a650d045fa3cc1.txt
@@ -0,0 +1,114 @@
+2. Conforming to New Statutory
+Requirements
+
+FHFA has made technical revisions to
+certain data fields and references in the
+PUDB matrices to conform to the new
+HERA requirements, as further
+discussed below.
+
+a. Single-Family Data Field 15:
+Borrower’s (or Borrowers’) Annual
+Income
+
+This data field identifies the source of
+
+This data field identifies the
+
+the Federal guarantee or insurance of
+the loan acquired by the Enterprise. The
+single-family loan matrix previously
+included a code 4 for the purchase of a
+mortgage that assists in maintaining the
+affordability of assisted units in eligible
+multifamily housing projects with
+expiring contracts. The code is not
+
+borrower’s or borrowers’ annual income,
+which is the numerator of the borrower
+income ratio reported in data field 17.
+To be consistent with HMDA reporting
+requirements, FHFA is now rounding
+the values reported for this data field to
+the nearest $1,000 (where values of $500
+or more are rounded up) of the
+
+VerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00049 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
+
+41188
+
+Federal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices
+
+borrower’s annual income, in addition
+to the current practice of recoding in
+terms of dollars for year of acquisition.
+
+V. Proposed Data Elements Not
+Currently Collected That Will Not Be
+Included in the PUDB
+
+b. Single-Family Data Field 18 and
+Multifamily Data Field 17: Acquisition
+UPB
+
+Consistent with section 1323(b)(2) of
+
+the Safety and Soundness Act, as
+amended,7 FHFA is not applying the
+same methods that previously were
+used to mask loan acquisition UPB data,
+i.e., FHFA has removed the topcoding
+and the use of categories in reporting
+acquisition UPB that previously were
+applied to this data field as described in
+the single-family matrix. The loan
+acquisition UPB is rounded to the
+nearest $1,000 (where values of $500 or
+more are rounded up), consistent with
+HMDA reporting requirements.
+Similarly, the multifamily loan
+acquisition UPB data is rounded to the
+nearest $1,000 (where values of $500 or
+more are rounded up) to conform to
+HMDA reporting practice.
diff --git a/chunks/txt/41af47e9c75347e2d080f78758f6c872975a3c45458ed71dbe9ae3d3ccfa168a.txt b/chunks/txt/41af47e9c75347e2d080f78758f6c872975a3c45458ed71dbe9ae3d3ccfa168a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..05a3eedef16d0fa7b0bbb5e4444ab6326f565b91
--- /dev/null
+++ b/chunks/txt/41af47e9c75347e2d080f78758f6c872975a3c45458ed71dbe9ae3d3ccfa168a.txt
@@ -0,0 +1,280 @@
+This field should be populated if the
+value indicated in field 2-63 is not
+equal to 'None'.
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+1
+
+1
+
+10
+
+20
+
+20
+
+20
+
+20
+
+26
+
+1
+
+2
+
+1
+
+2
+
+1
+
+16
+
+1
+
+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 100 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
+
+265
+
+266
+
+267
+
+268
+
+269
+
+270
+
+271
+
+272
+
+273
+
+274
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+63
+
+64
+
+65
+
+66
+
+67
+
+68
+
+69
+
+70
+
+71
+
+72
+
+UNIT
+DESCRIPTION
+
+Amenities
+Porch/Balcony Description
+
+Amenity Detailed
+Description
+
+A free-form text field used to describe, in
+detail, the amenity specified by Amenity
+Type.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='P
+orch']/@_DetailedDescription
+
+UNIT
+DESCRIPTION
+
+Amenities
+Other
+
+Amenity Exists
+Indicator
+
+Indicates that the amenity specified by
+Amenity Type is present in the structure.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='
+Other']/@_ExistsIndicator
+
+UNIT
+DESCRIPTION
+
+Amenities
+Other Description
+
+Amenity Type
+Other Description
+
+A free-form text field used to describe the
+amenity if Other is selected as the
+Amenity Type.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='
+Other']/@_TypeOtherDescription
+
+UNIT
+DESCRIPTION
diff --git a/chunks/txt/41c8c3332bfbb873167ead53dcf1eceb19bca6f12fba27f86e23b9c08eaf90a9.txt b/chunks/txt/41c8c3332bfbb873167ead53dcf1eceb19bca6f12fba27f86e23b9c08eaf90a9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..337fc40f0f478325924b548249c3e68b137300e3
--- /dev/null
+++ b/chunks/txt/41c8c3332bfbb873167ead53dcf1eceb19bca6f12fba27f86e23b9c08eaf90a9.txt
@@ -0,0 +1,82 @@
+7c. Information About Comparable Properties
+
+A UAD appraisal record includes information about the subject property and information about one or
+more comparable properties (referred to as “comps”). The UAD Appraisal-Level PUF does not have a
+
+Federal Housing Finance Agency
+
+9
+
+UAD PUF Version 2.1 Data Documentation
+
+separate table for comps. Rather, it includes seven data fields that represent aggregate statistics about the
+comps. These data fields include:
+
+Field
+same_tract_percent
+adjusted_price
+
+Description
+Percent of comps located within same census tract as subject property
+Average adjusted sale price of all settled comps
+
+calculated_proximity
+
+reported_proximity
+median_adjustment
+average_adjustment
+number_comparables
+
+Average proximity of comps to subject property (calculated distance) (in
+miles)
+Average proximity of comps to subject property (reported distance) (in
+miles)
+Median net (total) adjustments of all comps
+Average net (total) adjustments of all comps
+Number of comps used in appraisal
+
+8. Information Quality
+
+The table below describes aspects of information quality based on FHFA’s criteria.
+
+Information Quality Criteria
+1. Describe the underlying source of any data
+used to create the product, including whether
+FHFA or a different agency collected the data.
+2. Describe the statistical methods or models
+used to create the product.
+
+3. Describe the intended uses of the product,
+and, if applicable, uses not recommended.
+
+4. Describe the time period presented in the
+event or phenomenon reflected in the product.
+
+Response
+Described in Sections 2 and 3.
+
+The UAD Appraisal-Level PUF represents appraisal
+records. There was no modeling applied to the data
+fields. As described in Section 7, some data fields
+represent aggregate statistics for a subject property’s
+comps records. The UAD Appraisal-Level PUF Data
+Dictionary describes how FHFA performed the
+statistical aggregation.
+FHFA intends for the UAD Appraisal-Level PUF to
+be used to understand patterns and geographic
+variation in appraisals. FHFA does not recommend it
+be used as a basis for appraising an individual
+property or to infer characteristics of an appraiser or
+the quality of an appraisal. FHFA does not
+recommend using it to draw conclusions about the
+prevalence of certain property characteristics among
+all properties in an area (such as accessory dwelling
+units) because the appraisal records reflect appraisals
+performed over a specific period and do not reflect
+data for all properties in an area.
+The Enterprise UAD Appraisal-Level PUF includes a
+sample of appraisal records for appraisals conducted
+between January 1, 2013, and December 31, 2022
+associated with mortgage loans acquired by the
+Enterprises. The FHA UAD Appraisal-Level PUF
+includes a sample of appraisal records for appraisals
diff --git a/chunks/txt/41d2940711ef2f7c01d36e07784ba474970a35ff2f0cfbe834ac6974339e5383.txt b/chunks/txt/41d2940711ef2f7c01d36e07784ba474970a35ff2f0cfbe834ac6974339e5383.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c32881e94f9530a3f24d25156d073d64033de16a
--- /dev/null
+++ b/chunks/txt/41d2940711ef2f7c01d36e07784ba474970a35ff2f0cfbe834ac6974339e5383.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.
+
+DEFINITION 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/41d6fec1886a7e6843f3e737781a4f3df8c8ff59d94a3803c12909370603abe0.txt b/chunks/txt/41d6fec1886a7e6843f3e737781a4f3df8c8ff59d94a3803c12909370603abe0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a238a6b458c101930a9f4bad9645be88543eaa58
--- /dev/null
+++ b/chunks/txt/41d6fec1886a7e6843f3e737781a4f3df8c8ff59d94a3803c12909370603abe0.txt
@@ -0,0 +1,96 @@
+Reason for Denial: Reason for Denial
+is a modified HMDA data element that
+reports the reason a loan application
+was denied.109 Since the PUDB only
+contains loans that were purchased by
+the Enterprises, this data element is
+inapplicable and, thus, not available for
+inclusion in the Single-Family PUDB.110
+
+5. HMDA Single-Family Data Elements
+Excluded From the PUDB to Protect
+Borrower Privacy
+
+FHFA identified several new HMDA
+single-family data elements that will be
+wholly excluded from the Single-Family
+PUDB to protect borrower privacy, in
+conformance with the CFPB Privacy
+Guidance. In general, these data
+
+105 80 FR at 66208; 12 CFR 1003.4(a)(17).
+106 Id.
+107 12 CFR 1026.32(b)(1).
+108 12 CFR 1003.4(a)(27).
+109 12 CFR 1003.4(a)(16).
+110 This data element was excluded from the
+Single-Family PUDB by the FHFA 2010 Order, 75
+FR at 41186.
+
+VerDate Sep<11>2014 18:35 Jun 02, 2020 Jkt 250001 PO 00000 Frm 00044 Fmt 4703 Sfmt 4703 E:\FR\FM\03JNN1.SGM 03JNN1
+
+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
+
+34204
+
+Federal Register / Vol. 85, No. 107 / Wednesday, June 3, 2020 / Notices
+
+elements are unique and could facilitate
+re-identification of the borrower. These
+data elements are not currently
+disclosed in the Single-Family PUDB
+and will continue to be withheld.
+Accordingly, they are not required to be
+reported by the Enterprises to FHFA for
+PUDB purposes.
+
+Universal Loan Identifier (ULI): ULI is
+
+a new HMDA data element that
+provides a unique identifier for each
+HMDA loan record. As discussed above
+in Section II.B.3., the ULI includes the
+LEI.111 The Enterprises collect ULI from
+some loan sellers. Because the ULI is
+uniquely identifying, the CFPB Privacy
+Guidance intends to exclude it from the
+Regulation C dataset.112 In conformance
+with the CFPB Privacy Guidance, the
+ULI will be excluded from the Single-
+Family PUDB.113
diff --git a/chunks/txt/41de9fa141703c173dfe82c14e5928b8134ba9fc291fe289a56d44ed52fca85b.txt b/chunks/txt/41de9fa141703c173dfe82c14e5928b8134ba9fc291fe289a56d44ed52fca85b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f6b869e624e07c08a3ed8197f6b85114e09ff57f
--- /dev/null
+++ b/chunks/txt/41de9fa141703c173dfe82c14e5928b8134ba9fc291fe289a56d44ed52fca85b.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/reports/foreclosure-prevention-refinance-and-fpm"
+date_accessed: "2026-01-27T17:54:20.717Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/41ee8e48615970e9cb01e5d0d9289a906cb17d1b38c4d7a2d903f11d1bc5bada.txt b/chunks/txt/41ee8e48615970e9cb01e5d0d9289a906cb17d1b38c4d7a2d903f11d1bc5bada.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b6deea2ce514d82b7e324c763a9e56eaeb674f14
--- /dev/null
+++ b/chunks/txt/41ee8e48615970e9cb01e5d0d9289a906cb17d1b38c4d7a2d903f11d1bc5bada.txt
@@ -0,0 +1,35 @@
+5.4. XLink
+
+The XLink feature is not currently being used in connection with Fannie Mae’s implementation of
+the ULDD and requirements for submitting a loan delivery XML file to Fannie Mae’s Loan
+Delivery application.
+
+5.5. Uniform Resource Identifier (URI)
+
+The URI feature is not currently being used in connection with Fannie Mae’s implementation of the
+ULDD and requirements for submitting a loan delivery XML file through Fannie Mae’s Loan Delivery
+application.
+
+© 2018 Fannie Mae. Trademarks of Fannie Mae.
+
+June 2018 | 16 of 22
+
+5.6. UTF-8 Support
+
+To allow use of special characters and symbols within the loan delivery XML file, systems will
+need to support and apply Unicode Transformation Format-8 (UTF-8) encoding.
+Systems must specify the UTF-8 in the XML encoding attribute as follows: . Specifying UTF-8 encoding at the beginning of the loan delivery XML file
+denotes that the document character set is UTF-8–compliant.
+
+5.7. MISMO Version 3.0 Reference Model
+
+The MISMO Version 3.0 Reference Model defines each data point and their expected order. A system’s
+loan delivery XML file should be validated against the MISMO Version 3.0 Reference Model (Schema)
+to ensure that the file is well formed and contains the supported data points in the expected order, and
+that the data points are spelled correctly and are of the correct MISMO data type.
+
+To access the MISMO Version 3.0 Reference Model, visit the MISMO website at
+http://www.mismo.org/standards-and-resources/residential-specifications/mismo-version- 30
+
+5.8. Managing Loan Delivery XML File Imports
diff --git a/chunks/txt/41eeb02a8a7d374810da3e996ae7f0770c04ac519899f1ffed277c3eea6800a0.txt b/chunks/txt/41eeb02a8a7d374810da3e996ae7f0770c04ac519899f1ffed277c3eea6800a0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6641d710541e948a28b544606478b57e31109f3c
--- /dev/null
+++ b/chunks/txt/41eeb02a8a7d374810da3e996ae7f0770c04ac519899f1ffed277c3eea6800a0.txt
@@ -0,0 +1,120 @@
+Required if a physical
+defect, damage, or
+deficiency
+
+Unit Interior Exhibits
+
+Required for each photo or
+image
+
+Photos or images related to
+the Manufactured Home
+section that are not specified
+above.
+When the room is in a living
+unit or ADU, the photo must
+be associated with the specific
+room. The level the room is on
+displays automatically. See
+10.033.
+The photo must be associated
+with the specific interior
+feature (e.g., flooring, walls
+and ceiling). See 10.044.
+
+The photo must be associated
+with the specific Defect,
+Damage, or Deficiency. See
+10.056.
+
+Photos or images related to
+the Unit Interior section that
+are not specified above.
+
+Appendix F-1: URAR Reference Guide
+
+Page 20 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)?
+
+11
+
+Functional
+Obsolescence
+
+Functional
+Obsolescence Exhibits
+
+Required for each photo or
+image
+
+Is the Photo or Image
+Required?
+
+Additional Guidance
+
+12
+
+Outbuilding
+
+Yes
+
+Apparent Defects,
+Damages, Deficiencies -
+Feature
+
+May be provided to further
+identify the photo or image
+
+Required if a physical
+defect, damage, or
+deficiency
+
+Outbuilding Exhibits
+
+Required, including the room
+type, location, and any other
+descriptive information as
+appropriate.
+
+Photos of room(s) in the
+outbuilding may be
+provided
+
+Outbuilding Exhibits
+
+Required for each photo or
+image
+
+13
+
+Vehicle
+Storage
+
+Vehicle Storage Type
+Example: Garage
+
+May be provided to further
+identify the photo or image
+
+Apparent Defects,
+Damages, Deficiencies -
+Feature
diff --git a/chunks/txt/41fb923caa0ccf73b869fe4ce43534f3f4bf2507248c902fb325169039eef9db.txt b/chunks/txt/41fb923caa0ccf73b869fe4ce43534f3f4bf2507248c902fb325169039eef9db.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f6d06e4621afca3c8af986c5b418f6ad051ca46b
--- /dev/null
+++ b/chunks/txt/41fb923caa0ccf73b869fe4ce43534f3f4bf2507248c902fb325169039eef9db.txt
@@ -0,0 +1,76 @@
+Exterior-Only Individual Cooperative Interest Appraisal Report (2095)
+
+Individual Condominium Unit Appraisal Report (Desktop) (1073 Desktop / 465D)
+
+Small Residential Income Property Appraisal Report (1025 / 72)
+
+Individual Condominium Unit Appraisal Report (Hybrid) (1073 Hybrid / 465H)
+
+Single-Family Comparable Rent Schedule (1007 / 1000)
+
+Exterior-Only Inspection Individual Condominium Unit Appraisal Report (1075 / 466)
+
+Appraisal Update and/or Completion Report (1004D / 442)
+
+April 2025 | 4
+
+Key Lender Benefits
+
+Expand scope of
+UAD to cover
+all property types
+
+Improve review
+process through data
+standardization
+
+Minimize review times and
+improve productivity
+
+April 2025 | 5
+
+More Key Lender Benefits
+
+Reduce revisions – the appraiser
+can, through their appraisal
+software vendor, check UAD
+Compliance Rules prior to
+submitting to client
+
+Redesigned Submission
+Summary Report (SSR)
+provides more pertinent
+information; available
+in PDF and JSON
+
+Ability to associate
+an Appraisal Update Report
+or a Completion Report
+with original Uniform
+Residential Appraisal Report
+(URAR)
+
+April 2025 | 6
+
+What’s Coming/Changing?
+
+Expanded scope of UAD covers all property types
+
+• Legacy forms will be retired – no more form numbers
+
+• Simplifies documentation of atypical properties (e.g., 2- to 4-unit condos, site condos)
+
+and identification of unique features
+
+• Helps address and adapt to industry issues and appraisal modernization
+
+•
+
+Includes required data for FHA, VA, and USDA and a new field to clearly identify
+government agency appraisals
+
+April 2025 | 7
+
+What’s Coming/Changing?
+
+Improve review process through data standardization
diff --git a/chunks/txt/4201555df2dba1f85ab809471fc9b52468fce199b3f49cc822f8ce40a86377b9.txt b/chunks/txt/4201555df2dba1f85ab809471fc9b52468fce199b3f49cc822f8ce40a86377b9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e7d8060e4e0c8ad286e797df97db02596db70c87
--- /dev/null
+++ b/chunks/txt/4201555df2dba1f85ab809471fc9b52468fce199b3f49cc822f8ce40a86377b9.txt
@@ -0,0 +1,53 @@
+The UCD Test Environment will be updated with Phase 3 edits that have a fatal severity to mirror the May 2023 Phase 3
+implementation.
+
+Review the UCD Edit Feedback Messages that will be updated on Oct. 24. A new Phase 3 Edits Tab has been added for a listing
+of the Phase 3 edit updates.
+
+© 2022 Fannie Mae
+
+October 2022 Page 1
+of 4
+
+In Case You Missed It
+
+Effective
+Date
+
+September
+26
+
+Impacted Area
+
+UCD Critical Edits -
+Phase 2
+Implementation
+
+Description
+
+To further refine UCD Phase 2 data quality, the following warning-to-fatal severity edit will transition to fatal severity:
+
+Edit 3425: When Loan Purpose Type is equal to Purchase, the Closing Adjustment Item Type of SellerCredit in the Closing
+Adjustment Item Detail container is required.
+
+June 27
+
+UCD Data Quality
+
+To further refine UCD data quality, the following edit will be added as warning severity:
+
+June 27
+
+Mortgage Insurer
+Name Change
+
+Edit 3176: The Current Rate Set Date provided is after the Closing Date. Please ensure the Current Rate Set Date provided is
+prior to the Closing Date.
+
+Effective Feb. 7, 2022, Genworth Mortgage Insurance Corporation formally changed its name to Enact Mortgage Insurance
+Corporation. Effective June 27, UCD will issue a warning edit (Edit 3175) for deliveries of the MI Company value Genworth.
+The value of “Enact” has been added to the MICompanyNameTypeOtherDescription field (sort ID 894).
+
+Edit 3175: The MI Company provided is Genworth. Genworth Mortgage Insurance Corporation has formally changed its name
+to Enact Mortgage Insurance Corporation effective Feb. 7, 2022. The MI Company enumeration value for Enact should be
+delivered in the MICompanyNameType field as “Other” and in the MICompanyNameTypeOtherDescription field as “Enact”.
diff --git a/chunks/txt/4214f0e5f6d80e89faf7335eaf0b58e5844a227c6a6f3700d56473915f30d052.txt b/chunks/txt/4214f0e5f6d80e89faf7335eaf0b58e5844a227c6a6f3700d56473915f30d052.txt
new file mode 100644
index 0000000000000000000000000000000000000000..49b9a23a37f12e70d5dc94492851788e2aa12772
--- /dev/null
+++ b/chunks/txt/4214f0e5f6d80e89faf7335eaf0b58e5844a227c6a6f3700d56473915f30d052.txt
@@ -0,0 +1,59 @@
+1073 Hybrid /465H
+
+REQUIREMENT
+
+Page 62 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.
+
+Appraiser
+Certification
+Section
+
+State Certification # or State License # –
+(Appraiser and Supervisory Appraiser if
+required)
+The appraiser and supervisory appraiser (if
+applicable) must enter their license or
+certification number(s) as they appear on the
+Appraisal Subcommittee (ASC) website,
+http://www.asc.gov, unless otherwise
+mandated by state law or regulation. If the
+jurisdiction does not provide license numbers
+for trainees and a trainee performs the
+appraisal, the term “trainee” must be entered
+in the (Appraiser Certification Section) “or
+Other (describe)” field. If there is no
+supervisory appraiser, leave the field blank;
+do not make any entry (such as N/A or none).
+
+Reporting Format:
+State Certification or License Number – Text
+
+Expiration Date of Certification or License
+– (Appraiser and Supervisory Appraiser if
+required)
+The appraiser and supervisory appraiser (if
+applicable) must enter the expiration date of
+their license or certification number(s). If there
+is no supervisory appraiser, leave the field
+blank; do not make any entry (such as N/A or
+none).
+
+Reporting Format:
+Expiration Date – mm/dd/yyyy
+
+LENDER/CLIENT
+Name
+The appraiser must enter the name of the
+appraisal management company (AMC) in this
+field if the appraisal is ordered through an
+AMC. If no AMC is involved, ‘No AMC’ must
+be entered.
diff --git a/chunks/txt/422049d11be651beaa1504d3c90ee4ad8d4372e1dfe2f4b105bfc2e13cbe8d0a.txt b/chunks/txt/422049d11be651beaa1504d3c90ee4ad8d4372e1dfe2f4b105bfc2e13cbe8d0a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e1010e76a294946bda622d00d7bf0ec176fe6105
--- /dev/null
+++ b/chunks/txt/422049d11be651beaa1504d3c90ee4ad8d4372e1dfe2f4b105bfc2e13cbe8d0a.txt
@@ -0,0 +1,5 @@
+Sketch Commentary (H1) .................................................................................................................................... 43
+
+Dwelling Exterior ........................................................................................................................................... 43
+
+Quality and Condition (H1) ................................................................................................................................. 43
diff --git a/chunks/txt/4224a16b03f5fb90945caec5f6d03e8ffe6653e9f58e866f05bd061fb283eb7a.txt b/chunks/txt/4224a16b03f5fb90945caec5f6d03e8ffe6653e9f58e866f05bd061fb283eb7a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c994064d7404ca067b4bf3f6f05618bcc2db4a22
--- /dev/null
+++ b/chunks/txt/4224a16b03f5fb90945caec5f6d03e8ffe6653e9f58e866f05bd061fb283eb7a.txt
@@ -0,0 +1,5 @@
+Page 17
+
+General Information ................................................................................................................................................................................................................. 282
+
+Project Information .................................................................................................................................................................................................................. 283
diff --git a/chunks/txt/422a5ef712223e6b966c252748be974c7974dc21e335f7f5abeacdea626d4404.txt b/chunks/txt/422a5ef712223e6b966c252748be974c7974dc21e335f7f5abeacdea626d4404.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a25abb84bc4525a5a8fc678d1cb1e2bfbb29b16b
--- /dev/null
+++ b/chunks/txt/422a5ef712223e6b966c252748be974c7974dc21e335f7f5abeacdea626d4404.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/mortgage-translations/language-translation-disclosure"
+date_accessed: "2026-01-27T17:54:20.469Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/422a7e2cf21b4c4d7a5149aae58827d6065fd6fc8d3c1ce3c4ab023ae6009ca3.txt b/chunks/txt/422a7e2cf21b4c4d7a5149aae58827d6065fd6fc8d3c1ce3c4ab023ae6009ca3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dc8a2f16aa9e4931124255cc22de651042cbfb0d
--- /dev/null
+++ b/chunks/txt/422a7e2cf21b4c4d7a5149aae58827d6065fd6fc8d3c1ce3c4ab023ae6009ca3.txt
@@ -0,0 +1,133 @@
+2019-07-24
+
+Sale
+
+700 New Haven Ave, NW
+
+Unit
+
+308
+
+Washington
+
+20001
+
+DC
+
+2
+
+SettledSale
+
+More recently sold comparable properties were available.
+
+false
+
+DatedSale
+
+2019-07-31
+
+Sale
+
+700 New Haven Ave, NW
+
+Unit
+
+920
+
+Washington
+
+20001
+
+DC
+
+3
+
+SettledSale
+
+This unit has more bathrooms and bedrooms than the subject; it's also a larger unit.
+
+false
+
+BathroomCount
+
+BedroomCount
+
+GrossLivingArea
+
+2019-08-02
+
+Sale
+
+702 New Haven Ave, NW
+
+Unit
+
+514
+
+Washington
+
+20001
+
+DC
+
+4
+
+SettledSale
+
+This unit has more bathrooms and bedrooms than the subject; it's also a larger unit.
+
+false
+
+BathroomCount
+
+BedroomCount
+
+GrossLivingArea
+
+2019-07-14
+
+Sale
+
+2700 President Ave, NW
+
+Unit
+
+1234
+
+Washington
+
+20001
+
+DC
+
+5
+
+SettledSale
+
+This unit has a water view of the river and is larger in size when compared to the subject.
+
+false
+
+GrossLivingArea
+
+Other
+
+WaterView
+
+2019-08-10
+
+Sale
+
+39284M12
+
+Client
+
+RQT54-875
+
+ValuationSoftwareVendor
+
+NotNecessaryForCredibleResults
+
+NotNecessaryForCredibleResults
+
+The Comparable Sales selected for use in this report were selected for their similar characteristics and location. While comparing each property to the subject I found the following: Comp #1 is the most similar to the subject; it is located in the same building and on the same floor level as the subject. Further, it is the most similar in size, condition, and quality. Comp #2 is larger in size but still located in the same building; its condition and quality are similar to the subject. Comp #3 is from a competing project located close to the subject; it is slightly smaller in size, in similar condition, and the project amenities are effectively equal to those of the subject project. Comp #3 is not a historically designated property.
diff --git a/chunks/txt/422aa81bb5434e6b8ca038b2bb38df76a56365b9fede99ab6463e3007ffa7075.txt b/chunks/txt/422aa81bb5434e6b8ca038b2bb38df76a56365b9fede99ab6463e3007ffa7075.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3473c529436ca6291669f9fd9fbc3790d57ec7f1
--- /dev/null
+++ b/chunks/txt/422aa81bb5434e6b8ca038b2bb38df76a56365b9fede99ab6463e3007ffa7075.txt
@@ -0,0 +1,70 @@
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/@Sa
+lePriceTotalAdjustmentAmount
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/@Sa
+lePriceTotalAdjustmentNetPercent
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/@Sa
+lesPriceTotalAdjustmentGrossPercent
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+
+10
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+1
+
+1
+
+9
+
+6
+
+6
+
+Boolean
+
+A value of 'Y' indicates the Positive box has been checked and the net adjustment is
+positive, a value of 'N' indicates the Negative box has been checked and the net
+adjustment is negative.
+
+Boolean
+
+A value of 'Y' indicates the Positive box has been checked and the net adjustment is
+positive, a value of 'N' indicates the Negative box has been checked and the net
+adjustment is negative.
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+This field should contain the total net adjustment, i.e. the sum of all positive and
+negative adjustments.
+
+Money
+
+PDF Display Format:
+
+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.
+
+The sum of this field 2-96 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, 2-94, 2-98, 2-100) must add up
+to Net Adjustment field 2-103.
diff --git a/chunks/txt/422c8f339197e268dd0aa1ac19bdcfcb35000959e601160495bd3a7b48b1ac6f.txt b/chunks/txt/422c8f339197e268dd0aa1ac19bdcfcb35000959e601160495bd3a7b48b1ac6f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0303c29cbbf32c8592be80e41141d295c67bc8cf
--- /dev/null
+++ b/chunks/txt/422c8f339197e268dd0aa1ac19bdcfcb35000959e601160495bd3a7b48b1ac6f.txt
@@ -0,0 +1,92 @@
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/COMPARISON
+_VIEW_DETAIL_EXTENSION/COMPARISON_VIEW_DETAIL_EXTENSIO
+N_SECTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/COMPARISON_VIEW_DETAIL_EXTENSION_SECTION_DATA
+/COMPARISON_VIEW_DETAIL[@GSEViewType='Other']/@GSEViewTypeOt
+herDescription
+
+415
+
+416
+
+417
+
+3
+
+3
+
+3
+
+78
+
+79
+
+80
+
+SALES
+COMPARISON
+APPROACH
+
+View Adjustment
+
+SALES
+COMPARISON
+APPROACH
+
+Design (Style)
+
+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='View']/@_Amount
+
+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='DesignStyle']/@_Description
+
+SALES
+COMPARISON
+APPROACH
+
+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.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_
+ADJUSTMENT[@_Type='DesignStyle']/@_Amount
+
+418
+
+3
+
+81
+
+SALES
+COMPARISON
+APPROACH
+
+Quality of Construction
diff --git a/chunks/txt/4232ec88c1a2e1d463f1a6178cda9acec61a685637f9ec4cf3542795bc2fb243.txt b/chunks/txt/4232ec88c1a2e1d463f1a6178cda9acec61a685637f9ec4cf3542795bc2fb243.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8e62677a502121a9c4fd62b5acc2815387af031a
--- /dev/null
+++ b/chunks/txt/4232ec88c1a2e1d463f1a6178cda9acec61a685637f9ec4cf3542795bc2fb243.txt
@@ -0,0 +1,80 @@
+This is where the Street Scene photo would display.
+
+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 4 of 26
+Page 4 of 26
+
+Sketch
+
+Measurement Standard
+
+Sketch
+
+Not Applicable due to property
+type
+
+Sketch Commentary
+
+Each unit is 1,190 square feet of finished living area. There is an additional 522 square feet of finished common area within the building,
+therefore the Gross Building Finished Area is 5,282 square feet. The ANSI measurement standard does not apply to apartment / multifamily
+buildings. Dimensions provided in the footprint sketch are exterior perimeter measurements.
+
+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 5 of 26
+Page 5 of 26
+
+Dwelling Exterior - Building 1
+
+Subject Property Units in
+Structure
+Dwelling Style
+Front Door Elevation
+Year Built
+Construction Method
+Converted Area
+
+4
+Traditional
+Ground Level
+2014
+Site Built
+None
+
+This is where the Dwelling Front photo would display.
+
+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
+
+Detail
+Brick | Cement Board
+
+Poured Concrete | Slab
+
+Composition
+Estimated Age: 10-20 Years
diff --git a/chunks/txt/4233f67574c8b5182ba89274693078dbeb5ee6a11fea7b0a0f74eb0c6b6a3422.txt b/chunks/txt/4233f67574c8b5182ba89274693078dbeb5ee6a11fea7b0a0f74eb0c6b6a3422.txt
new file mode 100644
index 0000000000000000000000000000000000000000..36e137cf2192ec7b448cddc9ad5078da3aae13f5
--- /dev/null
+++ b/chunks/txt/4233f67574c8b5182ba89274693078dbeb5ee6a11fea7b0a0f74eb0c6b6a3422.txt
@@ -0,0 +1,40 @@
+Dwelling Rear Photo
+When required, provide photo(s) of the rear of the dwelling, which display in
+Dwelling Exterior Exhibits with the caption “Dwelling Rear”. An additional
+caption may be provided to further identify the photo.
+
+Photos relevant to the Dwelling Exterior section may be provided, which
+display in Dwelling Exterior Exhibits. If the photo is not specifically indicated,
+an additional caption must be provided to further identify the photo.
+
+Appendix F-1: URAR Reference Guide
+
+Page 115 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+09 Manufactured Home
+
+09 Manufactured Home
+
+The Manufactured Home section repeats for each manufactured home on the property that is either a dwelling
+or an ADU, and provides space for additional commentary and exhibits. If there are no manufactured homes on
+the property, the section does not display.
+
+As with other types of properties, additional facts about the manufactured home are captured in the Dwelling
+Exterior, Outbuilding, and / or Unit Interior sections.
+• The Outbuilding section displays (instead of Manufactured Home) if the manufactured home is an
+
+outbuilding that is not an ADU. Example: A manufactured home that has been physically modified and is no
+longer livable.
+
+Reference published guidelines by the GSEs, government agencies, or other identified secondary market
+participants for specific guidance.
+
+Manufactured Homes that are Dwellings
+
+If the manufactured home is a dwelling, the Manufactured Home section displays after the applicable Dwelling
+Exterior section. Reference Types of Structures for more information to determine whether the manufactured
+home is considered a dwelling or outbuilding.
diff --git a/chunks/txt/4240ca0cf5ce4e24d6e8f706d858d36a8826d9a4ef44a8dcc746e315a69321fe.txt b/chunks/txt/4240ca0cf5ce4e24d6e8f706d858d36a8826d9a4ef44a8dcc746e315a69321fe.txt
new file mode 100644
index 0000000000000000000000000000000000000000..590f6405393074dba15fbb845c44d6828f0f5470
--- /dev/null
+++ b/chunks/txt/4240ca0cf5ce4e24d6e8f706d858d36a8826d9a4ef44a8dcc746e315a69321fe.txt
@@ -0,0 +1,3 @@
+The projections reported here are not expected outcomes. They are modeled projections in response to “what if” exercises based on assumptions about Enterprise operations, loan performance, macroeconomic and financial market conditions, and house prices. The projections do not define the full range of possible outcomes. Actual outcomes may be different.
+
+Report Annual Housing Report Annual Report to Congress Buy American Report Chief FOIA Officer Report Collateral Pledged to FHLBanks Common Securitization Platform Update Conservatorship Strategic Plan Conservatorships Performance Goals - Scorecard Conservatorships Progress Report Conservator’s Report Credit Risk Transfer Progress Report Credit Risk Transfer Transactions Default Risk Evaluation in the Single-Family Mortgage Market Report Enterprise Non-Performing Loan Sales Report FAIR Act Inventory FHFA AI Compliance Plan FHFA Annual Performance Plan FHFA House Price Index® FHFA Performance and Accountability Report FHLB System Securitization Report FHLBank System at 100 FHLBank Targeted Mission Activities FOIA Annual Report FOIA Quarterly Report Federal Property Manager’s Report Foreclosure Prevention Report Foreclosure Prevention and Federal Property Manager’s Report Foreclosure Prevention, Refinance, and FPM Report Housing GSEs Quarterly Financial Performance Report Housing Mission Report Information Quality Report Information Resources Management Strategic Plan Mortgage Market Report No FEAR Report Open Government Plan Plain Language Report Prepayment Monitoring Report Refinance Report SF CRT Progress Report Single Security Update Single-Family Guarantee Fees Report Stress Tests Reports - Fannie Mae & Freddie Mac Sustainability Plan Update on Implementation of the SS and the CSP
diff --git a/chunks/txt/42431977b755124d62b8a8a136d4516b586db6593378bcb09803f937d98dc2e1.txt b/chunks/txt/42431977b755124d62b8a8a136d4516b586db6593378bcb09803f937d98dc2e1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d9e03c7fa40c9ea155147c04dcdbba9d2b4d8fab
--- /dev/null
+++ b/chunks/txt/42431977b755124d62b8a8a136d4516b586db6593378bcb09803f937d98dc2e1.txt
@@ -0,0 +1,23 @@
+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
diff --git a/chunks/txt/4248a2151cb21c7ce20a8f74842df4e8dbb317ca5124cab61bb71eadf749da4b.txt b/chunks/txt/4248a2151cb21c7ce20a8f74842df4e8dbb317ca5124cab61bb71eadf749da4b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e1162684d80921352947f619a5013ca0bd19e05c
--- /dev/null
+++ b/chunks/txt/4248a2151cb21c7ce20a8f74842df4e8dbb317ca5124cab61bb71eadf749da4b.txt
@@ -0,0 +1,30 @@
+[Historical Information: 2008 and Before](/supervision/federal-home-loan-bank-system/historical-information-pre-2008)
+
+## Additional Resources
+
+**Affordable Housing and Community Investment**
+
+- [Affordable Housing and Community Investment home page](/programs/affordable-housing)
+- [FHLBank Community Lending Plans](/programs/fhlbank-community-lending-plans)
+- [Targeted Mission Activities Report](/reports/fhlbank-targeted-mission-activities)
+- [Voluntary and pilot programs](/programs/fhlbank-voluntary-and-pilot-programs)
+**Governance**
+
+- [Independent Director Application Form](/document/fhfa-form-129-federal-home-loan-bank-independent-director-application-form.pdf)
+- [Independent Director Annual Certification Form](/document/fhfa-form-130-federal-home-loan-bank-independent-director-annual-certification-form.pdf)
+- [Member Director Eligibility Certification Form](/document/fhfa-form-131-federal-home-loan-bank-member-director-eligibility-certification-form.pdf)
+**Guidance and Rulemaking**
+
+- [Advisory Bulletins](/advisory-bulletin)
+- [Code of Federal Regulations: FHLBanks](https://www.ecfr.gov/current/title-12/chapter-XII/subchapter-D)
+- [Rulemaking and Federal Register](/regulation/rulemaking)
+
+**Membership**
+
+- [FHLBank contacts](/supervision/federal-home-loan-bank-system/districts)
+- [Membership listings](/data/fhlb-membership)
+**Office of Finance**
+
+- [Combined Financial Reports](https://www.fhlb-of.com/ofweb_userWeb/pageBuilder/fhlbank-financial-data-36)
+- [Debt issuance reporting](https://www.fhlb-of.com/ofweb_userWeb/pageBuilder/debt-statistics-61)
+**Stress Tests**
diff --git a/chunks/txt/425103d0803567dc9a22c1abd5d06d60a0efd77756c4540de7edaec247d0034a.txt b/chunks/txt/425103d0803567dc9a22c1abd5d06d60a0efd77756c4540de7edaec247d0034a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..203e40dd241fbb4d1819f0e7aee57926fd42af03
--- /dev/null
+++ b/chunks/txt/425103d0803567dc9a22c1abd5d06d60a0efd77756c4540de7edaec247d0034a.txt
@@ -0,0 +1,5 @@
+Subject Property Exhibits (H1) ............................................................................................................................ 37
+
+Site ................................................................................................................................................................ 37
+
+Site Influence (H1) .............................................................................................................................................. 38
diff --git a/chunks/txt/42753efc2c209f22cdd1e33ef403f46612c93210a91b1c5504a7dc24bf758dd3.txt b/chunks/txt/42753efc2c209f22cdd1e33ef403f46612c93210a91b1c5504a7dc24bf758dd3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c1cd10d4ba40d1921b286f32302dba8bb6b9f091
--- /dev/null
+++ b/chunks/txt/42753efc2c209f22cdd1e33ef403f46612c93210a91b1c5504a7dc24bf758dd3.txt
@@ -0,0 +1,61 @@
+Page 363
+
+Text Conditionality
+
+Always displays
+
+Always displays
+
+Always displays
+
+Additional Scope of Work – ValuationAdditionalScopeOfWorkIndicator (UID: 2200.0062, FID: Not on report)
+
+•
+
+If “true”
+
+o Display sub-header: Additional Scope of Work (FID: 29.002)
+o Display in italics below sub-header: Additional Scope of Work cannot be contrary to the original Scope of Work.
+o Display the text from ValuationScopeOfWorkDescription (UID: 2200.0003, FID: 29.003) and deliver in XML.
+
+•
+
+If “false”
+
+o Do not display
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Intended Use
+
+The Intended Use subsection always displays.
+
+Page 364
+
+Report
+Field ID
+
+29.004
+
+29.005
+
+Intended Use Text
+
+Text Conditionality
+
+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.
+
+Always displays
+
+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)).
+
+Display when GovernmentAgencyAppraisalType = "FHA" AND
+ValuationAssignmentType = "Purchase" OR "Refinance"
+
+When ValuationIntendedUseDescription (UID: 2200.0005, FID: 29.007) is provided AND GovernmentAgencyAppraisalIndicator = "true"
+
+• Display sub-header: Additional Intended Use (FID: 29.006)
+• Display in italics below sub-header: Additional Intended Use cannot be contrary to the original Intended Use.
+• Display the text from ValuationIntendedUseDescription (UID: 2200.0005, FID: 29.007) and deliver in XML.
diff --git a/chunks/txt/4280eb7770881aa866462863f66c06c0311f02a0e8f74d5b1f17116fd42d12b4.txt b/chunks/txt/4280eb7770881aa866462863f66c06c0311f02a0e8f74d5b1f17116fd42d12b4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d5f642a599146a5c7d67d6c2768b0ab3749e1ca2
--- /dev/null
+++ b/chunks/txt/4280eb7770881aa866462863f66c06c0311f02a0e8f74d5b1f17116fd42d12b4.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/research?category%5B961%5D=961"
+date_accessed: "2026-01-27T17:47:56.351Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/42897e0ad7ca3b398cd36d689c11ff10da0760e25a338146c98ba94d5139e5da.txt b/chunks/txt/42897e0ad7ca3b398cd36d689c11ff10da0760e25a338146c98ba94d5139e5da.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ff749b691d16e479950e7b88eef6050066eda7f7
--- /dev/null
+++ b/chunks/txt/42897e0ad7ca3b398cd36d689c11ff10da0760e25a338146c98ba94d5139e5da.txt
@@ -0,0 +1,84 @@
+Reporting Format:
+Property Values – Checkbox designated with
+an ‘x’ Demand/Supply – Checkbox designated
+with an ‘x’ Marketing Time – Checkbox
+designated with an ‘x’
+
+Page 18 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.
+
+Condominium Unit Housing Trends
+
+• 1073/465
+
+REQUIREMENT
+
+• 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
+
+Property Values
+The appraiser must indicate whether property
+values for condominium unit housing in the
+subject’s neighborhood are increasing, stable,
+or declining. Only one selection is permitted.
+
+Demand/Supply
+The appraiser must indicate whether the
+demand/supply of condominium unit housing
+in the subject property’s neighborhood is in
+shortage, in balance, or over supply. Only one
+selection is permitted.
+
+Marketing Time
+The appraiser must indicate whether the
+marketing time for condominium unit housing
+is under 3 mths, 3–6 mths, or over 6 mths.
+Only one selection is permitted.
+
+Reporting Format:
+Property Values – Checkbox designated with
+an ‘x’ Demand/Supply – Checkbox designated
+with an ‘x’ Marketing Time – Checkbox
+designated with an ‘x’
+
+Neighborhood Boundaries
+The appraiser should provide an outline of the
+neighborhood boundaries, which should be
+clearly delineated using ‘North’, ‘South’, ‘East’,
+and ‘West’. These boundaries may include
+but are not limited to streets, legally
+recognized neighborhood boundaries,
+waterways, or other natural boundaries that
+define the separation of one neighborhood
+from another. Appraisers should not reference
+a map or other addendum as the only
+example of the neighborhood boundaries.
diff --git a/chunks/txt/42a311ec5a928ae855b4ebbe72d2f70ec995b3d9dcb9e0cd4e72f635d901218b.txt b/chunks/txt/42a311ec5a928ae855b4ebbe72d2f70ec995b3d9dcb9e0cd4e72f635d901218b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3070eb10f183d0a8ab748a45f42397cdf58e0ae3
--- /dev/null
+++ b/chunks/txt/42a311ec5a928ae855b4ebbe72d2f70ec995b3d9dcb9e0cd4e72f635d901218b.txt
@@ -0,0 +1,94 @@
+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.
+
+Appendix F-1: URAR Reference Guide
+
+Page 267 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+22 Sales Comparison Approach
+
+Report
+Field ID
+
+22.13.03
+22.13.06
+
+Report Label
+
+Additional
+data element
+displays as the
+Report Label
+22.13.02
+
+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: Vehicle Storage
+
+If relevant
+
+Required when the
+row is included in the
+sales comparison grid
+
+Free-form
+
+Additional Row does not
+prepopulate from
+Vehicle Storage. The
+appraiser must enter
+information for the
+subject property.
+
+No
+
+Additional Row
+This row displays on the sales comparison grid when an additional data
+element relevant to the Vehicle Storage subsection is needed that is not
+predefined.
+
+Example: Attached garages with additional features such as heat,
+cooling, or bathroom.
+
+Note: Only put one data element in each row and add additional rows as
+needed for other data elements.
+
+Appendix F-1: URAR Reference Guide
+
+Page 268 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+22 Sales Comparison Approach
+
+Outbuilding
+
+The Outbuilding subsection displays on the sales comparison grid when the subject or any comparable has outbuilding(s) that are real property,
+other than standalone ADUs or ADU/Garages which are reported in the Unit(s) and/or Vehicle Storage subsection.
+• The “When Row Displays” and “When to Include for each Comparable” columns in this subchapter reflect this.
diff --git a/chunks/txt/42ba2666e101ef45b481825e373bb4f43bf9e7f84f8093c42d78451bb908c703.txt b/chunks/txt/42ba2666e101ef45b481825e373bb4f43bf9e7f84f8093c42d78451bb908c703.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d75e46e63c19c4f2d5d68f964bf926f7b9897925
--- /dev/null
+++ b/chunks/txt/42ba2666e101ef45b481825e373bb4f43bf9e7f84f8093c42d78451bb908c703.txt
@@ -0,0 +1,37 @@
+
+
+
+CH1000001
+FreddieMacCHOICEHome
+
+
+
+
+Manufactured Home Exhibits
+
+The Manufactured Home Exhibits subsection displays when images are provided. All text must display above each image in bold font.
+
+The Manufactured Home Exhibits subsection contains images to support the following :
+
+• HUD Data Plate - Display "HUD Data Plate" with caption, if provided.
+
+ImageCategoryType (UID: 1400.0975, FID: 9.010.1) = “ManufacturedHomeHUDDataPlate”
+ImageCaptionCommentDescription (UID: 1400.0974, FID: 9.010.2)
+
+• HUD Certification Number - An image of all HUD Certification labels must be provided. Display each image with the text "HUD
+
+Certification Label" with caption, if provided.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+ImageCategoryType (UID: 1400.0967, FID: 9.017.1) = “ManufacturedHomeHUDCertificationLabel”
+ImageCaptionCommentDescription (UID: 1400.0966, FID: 9.017.2)
+
+• Manufactured Home Certification Program - Display "Manufactured Home Certification" with caption, if provided.
+
+ImageCategoryType (UID: 1400.0959, FID: 9.018.1) = “ManufacturedHomeFinancingProgramEligibilityCertification”
+ImageCaptionCommentDescription (UID: 1400.0958, FID: 9.018.2)
+
+Additional images should be delivered with:
+
+ImageCategoryType (UID: 1400.0638, FID: 9.027.1) = “ManufacturedHomeExhibits”.
diff --git a/chunks/txt/42c7ee426c6edc86003b2d28be88ac57df200bcc0cedc96ee338dcd4e6692453.txt b/chunks/txt/42c7ee426c6edc86003b2d28be88ac57df200bcc0cedc96ee338dcd4e6692453.txt
new file mode 100644
index 0000000000000000000000000000000000000000..47ffab33f08f24ef2b4ba92131ca04a259333b54
--- /dev/null
+++ b/chunks/txt/42c7ee426c6edc86003b2d28be88ac57df200bcc0cedc96ee338dcd4e6692453.txt
@@ -0,0 +1,115 @@
+EMPLOYERS
+
+EMPLOYER
+
+Sequence Number = “1”
+ xlink:label = “EMPLOYER_1”
+
+LEGAL_ENTITY
+
+LEGAL_ENTITY_DETAIL
+ Full Name
+
+ROLE DETAIL
+
+Party Role Type = Borrower
+
+Figure 1. Establishing Endpoints of Relationship
+
+The table below (Table 1) shows the endpoints that will makeup the xlink arcrole relationship for each
+relationship.
+
+XPath For Container
+
+CONTAINER
+CURRENT_INCOME_ITEM DEAL/PARTIES/PARTY/ROLES/ROLE/B
+ORROWER/CURRENT_INCOME/CURR
+ENT_INCOME_ITEMS/CURRENT_INCO
+ME_ITEM
+CURRENT_INCOME_ITEM DEAL/PARTIES/PARTY/ROLES/ROLE/B
+ORROWER/CURRENT_INCOME/CURR
+ENT_INCOME_ITEMS/CURRENT_INCO
+ME_ITEM
+DEAL/PARTIES/PARTY/ROLES/ROLE/B
+ORROWER/EMPLOYERS/EMPLOYER
+
+EMPLOYER
+
+Sequence Number Xlink:label
+
+1
+
+2
+
+1
+
+CURRENT_INCOME_I
+TEM_1
+
+CURRENT_INCOME_I
+TEM_2
+
+EMPLOYER_1
+
+Table 1. Identifying Endpoints in the Relationship
+
+Data Relationships Using Xlink and MISMO Arcroles
+
+Page 15 of 29
+
+Version 1.1
+
+___________ _ __ Uniform Loan Application Dataset (ULAD) Xlink Arcroles
+
+The table below (Table 2) shows a breakdown of the detailed components of the relationships used to relate
+a borrower’s income to the employment source.
+
+XPath
+
+Attribute
+
+xlink:label
+
+Value
+
+Notes
+
+RELATIONSHIPS CONTAINER
+
+First instance of RELATIONSHIP
+MESSAGE/DEAL_SETS/D
+EAL_SET/DEALS/DEAL/
+/RELATIONSHIPS/RELAT
+IONSHIP
+
+Sequence Number
+
+arcrole="urn:fdc:mism
+o.org:2009:residential
+
+from
+
+to
+
+Second Instance of RELATIONSHIP
+MESSAGE/DEAL_SETS/D
+EAL_SET/DEALS/DEAL/P
+ARTIES/RELATIONSHIPS
+/RELATIONSHIP
+
+Sequence Number
+
+arcrole="urn:fdc:mism
+o.org:2009:residential
+
+from
+
+to
+
+1
+
+CURRENT_INCO ME_IT
+EM_IsAssociate dWith_E
+MPLO YER
+CURRENT_INCOME_I
+TEM_1
diff --git a/chunks/txt/42ca921002386d58a6a6fc20d057a029d42a1dab186b65726b301663f51366ca.txt b/chunks/txt/42ca921002386d58a6a6fc20d057a029d42a1dab186b65726b301663f51366ca.txt
new file mode 100644
index 0000000000000000000000000000000000000000..668b79c952ea9811eb55441dff22334486d71326
--- /dev/null
+++ b/chunks/txt/42ca921002386d58a6a6fc20d057a029d42a1dab186b65726b301663f51366ca.txt
@@ -0,0 +1,124 @@
+UID 16.015 N/A – GSE …/LOAN_DETAIL/EXTENSIO
+
+N/OTHER
+
+UID 3.036 N/A – GSE …/LOAN/REFINANCE
+
+ConstructionLoanIndicat
+or
+
+gse:SubordinateFinancin
+gIsNewIndicator
+
+false
+
+Not shown – data clarity
+
+false
+
+Not shown – data clarity
+
+RefinanceSameLenderIn
+dicator
+
+true
+
+Not shown-ATR/QM
+
+UID 3.016 N/A – GSE …/LOAN/TERMS_OF_LOAN LienPriorityType
+
+FirstLIen
+
+Not shown – data clarity
+
+3.2
+
+Purpose
+
+LoanPurposeType
+
+Refinance
+
+Not shown – industry
+convention to designate
+all loans as either
+purchase or refinance
+
+Appendix E: UCD Implementation Guide
+
+Page 52 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+3. 3 PRODUCT
+
+3.0 Loan Information
+
+The Regulation specifies three Product types: “Fixed,” “Adjustable,” and “Step Rate” loans. Product types may
+be qualified by the following additional features: “Negative Amortization,” “Interest Only,” “Step Payment,”
+“Balloon Payment,” and “Seasonal Payment.” Refer to the Regulation for specific guidance on how to present
+the data required for the Product field.
+
+3.0 Loan Information
+
+3.2 Purpose Home Equity Loan
+
+3.3 Product
+
+5/3 Adjustable Rate
+
+3.4 Loan Type Conventional FHA
+
+ VA _______________
+
+Figure 22. Product
+
+Table 36. Product
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0 Value
+
+Notes
+
+3.3
+
+N/A-GSE
+
+3.3
+
+Product
+
+…/LOAN/AMORTIZA
+TION/AMORTIZATIO
+N_RULE
+
+…/INTEGRATED_DIS
+CLOSURE_DETAIL
+
+AmortizationType
+
+AdjustableRate
+
+Not shown – data
+point for clarity
+
+IntegratedDisclosure
+LoanProductDescript
+ion
+
+5/3 Adjustable Rate
+
+1. MAPPI NG GUI DANCE
+
+a. Because its definition is specific to Integrated Disclosure forms, Product is conveyed using the
diff --git a/chunks/txt/42ddcdaf6288f052acd9e569cb336f8cb039e296b2c7461faf7ad8f2a34d5745.txt b/chunks/txt/42ddcdaf6288f052acd9e569cb336f8cb039e296b2c7461faf7ad8f2a34d5745.txt
new file mode 100644
index 0000000000000000000000000000000000000000..86eeee5301d9069f2debffa28015abf501404eb2
--- /dev/null
+++ b/chunks/txt/42ddcdaf6288f052acd9e569cb336f8cb039e296b2c7461faf7ad8f2a34d5745.txt
@@ -0,0 +1,10 @@
+(v) Native Hawaiian or Other Pacific Islander - a [person](https://www.law.cornell.edu/definitions/index.php?width=840&height=800&iframe=true&def_id=dafada19a570b7e4ce55d28e6b165609&term_occur=999&term_src=Title:12:Chapter:XII:Subchapter:E:Part:1282:Subpart:A:1282.1) having origins in any of the original peoples of Hawaii, Guam, Samoa, or other Pacific Islands. ### Low-Income Census Tracts, Minority Census Tracts and Designated Disaster Areas Data
+
+The Federal Housing Enterprises Financial Safety and Soundness Act of 1992 (Safety and Soundness Act) provides for the establishment of single-family and multifamily goals each year, including a single-family purchase money mortgage goal for families residing in low-income areas. The Safety and Soundness Act defines "low-income area" for the single-family low-income areas home purchase goal as:
+
+- Census tracts or block numbering areas in which the median income does not exceed 80 percent of area median income (AMI).
+In addition, for the purposes of this goal, "families residing in low-income areas" also include:
+
+- Families with income not greater than 100 percent of AMI who reside in minority census tracts.
+- Families with income not greater than 100 percent of AMI who reside in designated disaster areas.
+A "minority census tract" is a census tract that has a minority population of at least 30 percent and a median income of less than 100 percent of the AMI. A "low-income census tract" is census tract in which the median income does not exceed 80 percent of the AMI. Designated disaster areas are identified by FHFA based on the three most recent years' declarations by the Federal Emergency Management Agency (FEMA), where individual assistance payments were authorized by FEMA.
diff --git a/chunks/txt/42fc89e91631d1f1abb23691e66ec18ba01cdd78e581693b723564adc1113895.txt b/chunks/txt/42fc89e91631d1f1abb23691e66ec18ba01cdd78e581693b723564adc1113895.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2b944af04e4c5e70e38a5ed5265d26eb95483049
--- /dev/null
+++ b/chunks/txt/42fc89e91631d1f1abb23691e66ec18ba01cdd78e581693b723564adc1113895.txt
@@ -0,0 +1,33 @@
+As the property has no rental income, the Net Rental Income will be -$2210.48 as shown below in the
+OWNED_PROPERTY container:
+
+29
+
+The inclusion of the Net Rental Income places an amount in the Subject Negative Cash Flow in
+the DU Findings. This will increase the Total Expense Payment, which will ensure the correct
+DTI ratio of 15.59%. Below is an example of the DU Findings when Net Rental Income is
+included and is not provided separately in DU submission. The $2,000 Total Expense Payment on
+the left (which is included in the $4,210.48 on the right) is the total rent the borrowers are paying
+for their primary residence. Each borrower is paying $1,000 rent on their current residence as
+shown in the XML below.
+
+30
+
+24. I am entering a loan with a non-occupant co-borrower and the housing ratio calculation is
+
+inaccurate. Why is this happening and how do I fix it?
+
+The borrower and non-occupant borrower (NOB) both need to have individual credit for the NOB’s
+housing expense to be considered in the housing-to-income (HTI) calculation (which is used in the risk
+assessment). When the borrowers are presented as borrower and co-borrower (joint credit), DU assumes
+that both borrowers share a housing expense. Therefore, the NOB’s housing expense will not be used in
+the HTI calculation.
+
+NOTE: For more information please refer to the DU Job Aid section on non-occupant borrowers.
+
+25. How do Community Seconds Repayment plans impact DU?
+
+If the Community Seconds loan has deferred repayment for five years or more:
+
+• The DU risk assessment is based on LTV, rather than the CLTV.
+• The monthly payment for the Community Seconds loan does not need to be included in the borrower’s
diff --git a/chunks/txt/431c18060898871f4166a35218d8b2823574475ad6a3b3b4b16e725d77acfaca.txt b/chunks/txt/431c18060898871f4166a35218d8b2823574475ad6a3b3b4b16e725d77acfaca.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9661f59d58e6b363b00b8d8a1408a39c71169dd4
--- /dev/null
+++ b/chunks/txt/431c18060898871f4166a35218d8b2823574475ad6a3b3b4b16e725d77acfaca.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/4323bd0c791f41cb544af3ebb9a24be76bd342d9fd82c193e5d21b0cbc7e3ba3.txt b/chunks/txt/4323bd0c791f41cb544af3ebb9a24be76bd342d9fd82c193e5d21b0cbc7e3ba3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..751139834c0bad312f0cbec2f89481d7e3086824
--- /dev/null
+++ b/chunks/txt/4323bd0c791f41cb544af3ebb9a24be76bd342d9fd82c193e5d21b0cbc7e3ba3.txt
@@ -0,0 +1,108 @@
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+ASC Identifier
+
+If applicable
+
+Free-form
+
+Definition / Additional Guidance
+
+A unique identifier for the individual appraiser or supervisory appraiser as
+assigned by the Appraisal Subcommittee (ASC).
+Note: If ASC Identifier is not populated for a contact, it does not display.
+
+If applicable for
+appraiser and
+supervisory appraiser
+on VA appraisals
+
+If applicable for
+appraiser and
+supervisory appraiser
+on FHA appraisals
+
+Free-form
+
+A unique identifier for the individual appraiser as assigned by the United States
+Department of Veterans Affairs. Only one identifier per individual.
+
+Reference the appropriate government agency appraisal guidelines for more
+information.
+
+Free-form
+
+A unique identifier for the individual appraiser as assigned by the United States
+Federal Housing Administration.
+
+Reference the appropriate government agency appraisal guidelines for more
+information.
+
+Report
+Field ID
+
+2.028
+2.043
+
+2.029
+2.044
+
+VA Appraiser ID
+
+FHA Appraiser ID
+
+2.030
+2.045
+
+Appendix F-1: URAR Reference Guide
+
+Page 41 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+02 Assignment Information
+
+Assignment Information: Contact Information – Other Information about Appraiser and Supervisory Appraiser
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+2.031
+2.046
+
+Employment
+Type
+
+Required for appraiser
+and supervisory
+appraiser on VA
+appraisals
+
+Allowable
+Answers / Format
+
+Choose an
+allowable answer
+from table
+(Employment
+Type)
+
+Definition / Additional Guidance
+
+The employment category for the appraiser.
+•
+•
+
+Independent Fee Appraiser
+Staff Appraiser
diff --git a/chunks/txt/4326b6ffd952d089659a58d9b95d09801a5af2920783b8d6c1e26c393224ab01.txt b/chunks/txt/4326b6ffd952d089659a58d9b95d09801a5af2920783b8d6c1e26c393224ab01.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1a03c20efa109b48877ec46098b91ca5d0646868
--- /dev/null
+++ b/chunks/txt/4326b6ffd952d089659a58d9b95d09801a5af2920783b8d6c1e26c393224ab01.txt
@@ -0,0 +1,38 @@
+Fannie Mae conducts different levels of due diligence for quality control purposes and may refer unacceptable appraisal reports
+to state appraiser licensing or regulatory boards for investigation.
+
+Fannie Mae’s objectives in referring appraisal reports to state appraiser licensing or regulatory boards are
+
+•
+•
+•
+
+•
+
+•
+
+to emphasize continuing efforts to maintain the quality of appraisals,
+to protect Fannie Mae’s interest,
+to improve the quality of mortgages delivered to Fannie Mae by identifying appraisers that have performed appraisals of
+a sufficiently poor quality as to impair the security interests,
+to help the industry enhance the quality of appraisals by identifying and referring appraisals that are not adequately
+supported or credible, and
+to help enforce professional standards.
+
+Note: Fannie Mae’s decision to make such referrals does not affect the lender’s responsibility for managing the property valuation
+and appraisal review process.
+
+Refusal to Accept Appraisals from Specific Appraisers
+
+Fannie Mae may refuse to accept appraisals prepared by specific appraisers, or Fannie Mae may notify a lender that appraisals
+prepared by a given appraiser are no longer accepted. When a lender is notified that appraisals from specific appraisers are no
+longer accepted, the lender is prohibited from delivering mortgages to Fannie Mae secured by properties appraised by that
+individual immediately following its receipt of Fannie Mae’s notice.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 107 of 166
+
+UAD 3.6 Policy
+
+SB4-1.4-01, Factory-Built Housing: Manufactured Housing (12/10/2025)
diff --git a/chunks/txt/432aece3cfe5f77dcb6d17f1bbb644d858439ed616ae51ea986ddfe4e5f1b5f0.txt b/chunks/txt/432aece3cfe5f77dcb6d17f1bbb644d858439ed616ae51ea986ddfe4e5f1b5f0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bebdc04095307adfc48bf2db50101e0a36e1021b
--- /dev/null
+++ b/chunks/txt/432aece3cfe5f77dcb6d17f1bbb644d858439ed616ae51ea986ddfe4e5f1b5f0.txt
@@ -0,0 +1,118 @@
+Site Features and Impact to Value/Marketability
+
+Feature
+Hazard Zone
+
+Property Restriction
+
+Detail
+No Hazard Zone Noted
+
+Historic Preservation
+
+Impact
+
+Comment
+
+Beneficial
+
+The subject’s project and building are on the National
+Register of Historic Places; as such it serves as an
+architectural landmark. Its nomenclature as a Historic
+Designation is considered beneficial in this market.
+Moreover, the subject’s unit and all other units located in
+this project reap the benefit of this Historic Designation.
+
+Site Features Commentary Additional commentary can be added here, if needed by Appraiser.
+
+Utilities and Impact to Value/Marketability
+
+Broadband Internet Available
+
+Yes
+
+Private
+
+Detail
+
+Private Utility
+Impact
+
+Comment
+
+Electricity
+
+Gas
+
+Sanitary Sewer
+
+Water
+
+Public
+
+
+
+
+
+If more
+
+than 1
+
+Unit--
+
+different
+
+set up
+
+Apparent Defects, Damages, Deficiencies (Site)
+
+None
+
+Site Commentary
+
+Additional commentary can be added here, if needed by Appraiser.
+
+Site Exhibits
+
+Property Access (Street Scene)
+
+View - Parking Lot
+
+Appraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Sketch
+
+Measurement Standard
+
+Not Applicable due to property
+type
+
+Sketch
+
+Page 4 of 18
+Page 4 of 18
+
+Sketch
+
+Sketch 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 5 of 18
+Page 5 of 18
+
+Dwelling Exterior
+
+Subject Property Units in
+Structure
+Structure Design
+Floors in Building
+Front Door Elevation
+Year Built
+Converted Area
diff --git a/chunks/txt/433db8a0aeadd3249cea4aecc429275cd6b1e9e8ced12103675cb508dc6d7e7a.txt b/chunks/txt/433db8a0aeadd3249cea4aecc429275cd6b1e9e8ced12103675cb508dc6d7e7a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bfabfdbe692cda1c544de5f7e18862ca6c4234b7
--- /dev/null
+++ b/chunks/txt/433db8a0aeadd3249cea4aecc429275cd6b1e9e8ced12103675cb508dc6d7e7a.txt
@@ -0,0 +1,99 @@
+Physical Address
+
+County
+Neighborhood Name
+
+456 Something Rd
+Somewhere, VA 12345
+Fabricated
+Unreal Farms
+
+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
+
+
+
+
+
+
+
+
+
+
+Ownership Rights
+
+Property Rights Appraised
+Community Land Trust
+
+Ground Rent Annual Amount
+
+Renewable
+Expires
+
+Leasehold
+No
+$1,200
+Yes
+06/2099
+
+Description of Ground Rent and Impact to Value/Marketability
+Leasehold properties are common in the subject’s immediate
+market area with most leases having automatic renewal terms of
+50 or 100 years. The lease fees are generally minimal in comparison
+to property values and appear to have no impact on the value or
+marketability of the properties. The appraisal utilizes 3 sales of
+comparable leasehold properties from the subject’s neighborhood
+in the sales comparison approach.
+
+All Rights Included in Appraisal
+
+Yes
+
+Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 3 of 22
+Page 3 of 22
+
+Subject Property (continued)
+
+Legal Description
+
+Unreal Farm S.1 PCL.300201121002432 F-895-4 BLA 3573702301420 Use agreement 71
+
+Subject Property Commentary
+
+Tax Map ID: 2000-61-726997/R128810
+
+Site
+
+Total Site Size
+
+14,000 Sq. Ft.
+
+Number of Parcels
+
+1
+
+Assessor Parcel Number (APN)
+F-895-4
diff --git a/chunks/txt/43464874da3d852010e093553f105d6677057356e689c215737cca2daa8e3acb.txt b/chunks/txt/43464874da3d852010e093553f105d6677057356e689c215737cca2daa8e3acb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..188468ebe1e06c34abe29a5dac995d3b25b58cbe
--- /dev/null
+++ b/chunks/txt/43464874da3d852010e093553f105d6677057356e689c215737cca2daa8e3acb.txt
@@ -0,0 +1,30 @@
+Lenders must ensure the escrow account is a custodial account that satisfies Fannie Mae’s criteria for custodial
+accounts and depositories as outlined in Servicing Guide, A4-1-02, Establishing Custodial Bank Accounts.
+
+Lenders and borrowers must execute an escrow agreement that states how the escrow account will be managed
+and how funds from the escrow account will be disbursed.
+
+The completion escrow may not adversely affect the mortgage insurance or title insurance.
+
+After a satisfactory Completion Report or completion alternative is obtained, the lender must release the final
+draw from the escrow account, which should include any funds in excess of the amount needed to pay for
+completion of the postponed items.
+
+Lenders must obtain a final title report, which must not show any outstanding mechanic’s liens, take any
+exceptions to the postponed improvements, or take any exceptions to the escrow agreement. If the final title
+report is issued before the completion of the improvements, lenders must obtain an endorsement to the title
+policy that ensures the priority of Fannie Mae’s lien.
+
+Requirements for HomeStyle Refresh Improvements on Existing Construction
+
+The table below provides the postponed improvement requirements for a HomeStyle Refresh loan.
+
+✓
+
+Requirements for HomeStyle Refresh Improvements on Existing Construction
+
+Loans may be sold before the improvements are complete; however, the postponed improvements must be
+completed within 180 days of the note date. Acceptable postponed items include items that will not prevent
+the issuance of an occupancy permit.
+
+UAD 3.6 Policy
diff --git a/chunks/txt/4355ba4bc26262929491b38a9b54b9d66591bf51d55b9fde8df22d015cfe505a.txt b/chunks/txt/4355ba4bc26262929491b38a9b54b9d66591bf51d55b9fde8df22d015cfe505a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2bcfab5e0a716b58bca6bb06564ed6c43d54b224
--- /dev/null
+++ b/chunks/txt/4355ba4bc26262929491b38a9b54b9d66591bf51d55b9fde8df22d015cfe505a.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/reports/fhfa-ai-compliance-plan"
+date_accessed: "2026-01-27T17:54:20.453Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/435bf54565749364058dcea6f472663e3ffc31a057f67d9b7fb55a826a808419.txt b/chunks/txt/435bf54565749364058dcea6f472663e3ffc31a057f67d9b7fb55a826a808419.txt
new file mode 100644
index 0000000000000000000000000000000000000000..18baabcc994b01f24370e4a62fd223ebd95d97c0
--- /dev/null
+++ b/chunks/txt/435bf54565749364058dcea6f472663e3ffc31a057f67d9b7fb55a826a808419.txt
@@ -0,0 +1,188 @@
+DU Findings General Specs - Phase 1
+
+Max-width: 1280px
+
+100% - 296px
+
+48px
+
+Auto
+
+50% - 64px
+
+64px
+
+50% - 64px
+
+64px
+
+296px
+
+Auto
+
+64px
+
+24px
+
+48px
+
+14px
+18px
+
+18px
+
+H1 {
+Font-family: "Glypha-65Bold", Georgia, serif;
+Font-size: 36px;
+Font-weight: 400;
+Color: #000f2b;
+}
+
+Label {
+Font-family: "Univers-55", arial, helvetica, sans-serif;
+Font-size: 16px;
+Font-weight: 600;
+Color: #000f2b;
+}
+
+H2 {
+Font-family: "Glypha-65Bold", Georgia, serif;
+Font-size: 24px;
+Font-weight: 400;
+Color: #000f2b;
+}
+
+Body {
+Font-family: "Univers-55", arial, helvetica, sans-serif;
+Font-size: 15px;
+Color: #444242;
+}
+
+Summary of Findings
+
+Casefile ID
+1367588236
+
+Recommendation
+Approve/Eligible
+
+Borrower 1
+
+Johny Homeowner
+
+Submission Number
+
+2
+
+Borrower 2
+
+Mary Homeowner
+
+Submission Date
+
+04/05/2018 09:06PM
+
+Lender Loan Number
+
+504892160
+
+First Submission Date
+
+04/05/2018 05:15PM
+
+DU Version
+
+10.2
+
+Submitted By
+
+gaumaa
+
+Mortgage Information
+
+LTV/CLTV/HCLTV
+
+50.00% / 50.00% / 50.00%
+
+Note Rate
+
+4.400%
+
+Housing Expense Ratio
+
+8.25%
+
+Loan Type
+
+Conventional
+
+Summary of Findings
+
+Day 1 Certainty
+
+Risk/Eligibility
+
+Findings
+
+Verification Messages/
+Approval Conditions
+
+Observations
+
+Lender Guidance for
+Use with Applicants
+
+Underwriting
+Analysis Report
+
+Debt-to-Income Ratio
+
+19.79%
+
+Loan Term
+
+360
+
+Total Loan Amount
+
+$100,000.00
+
+Amortization Type
+
+Fixed Rate
+
+40px
+
+Sales Price
+
+$0.00
+
+Loan Purpose
+
+Refinance
+
+Actual/Estimated
+Appraised Value
+
+$200,000.00
+
+Refi Purpose
+
+Cash-Out
+
+© 2018 Fannie Mae. Trademarks of Fannie Mae.
+
+Months’ Reservesy
+
+5
+
+32px
+
+32px
+
+Nav Link {
+Font-family: "Univers-55", arial, helvetica, sans-serif;
+Font-size: 16px;
+Font-weight: 400;
+Color: #444242;
+}
diff --git a/chunks/txt/435c0faed2f2caa57b1313df8d9a81da9f4775b65beca236a17eb6551fd0a05d.txt b/chunks/txt/435c0faed2f2caa57b1313df8d9a81da9f4775b65beca236a17eb6551fd0a05d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5c861703e2296316d324ad5e67679f91e41f607f
--- /dev/null
+++ b/chunks/txt/435c0faed2f2caa57b1313df8d9a81da9f4775b65beca236a17eb6551fd0a05d.txt
@@ -0,0 +1,63 @@
+V. XML File Data Payload A to Z
+
+Figure 44. INTEGRATED_DISCLOSURE Child Containers in UCD v2.0.
+
+2. CASH TO CLOSE TABLES
+
+The purpose of the Calculating Cash to Close table on the CD is to show if and how the closing transaction costs have
+changed from estimate to the final disclosure. There are two versions of the Cash to Close table—one for a purchase (Model
+form only) and one for a refinance (either Model or Alternate form).
+
+Table 34. XML File Container Structure for Cash to Close Table Data.
+
+UCD UIDs
+
+Containers
+
+CD Section Supported
+
+999.122/999.123
+/999.124
+
+DOCUMENT_SPECIFIC_DATA_SETS/DOCUMENT_S
+PECIFIC_DATA_SET/INTEGRATED_DISCLOSURE
+
+Holds containers supporting certain sections on the CD.
+
+999.125
+
+CASH_TO_CLOSE_ITEMS
+
+999.126
+
+CASH_TO_CLOSE_ITEM
+
+Holds all the sets of line items needed to populate the Cash to
+Close table for the loan transaction.
+
+Holds all the data points making up one line item on the Cash to
+Close table. For a purchase, CASH_TO_CLOSE_ITEM repeats 10
+times. For a refinance, it repeats 7 times.
+
+UCD v2.0 Implementation Guide
+
+- 60 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+a. Data Points Supporting the Cash to Close Table for a Purchase
+
+table
+
+illustrates
+
+The Cash to Close table is a fitting example of data created within the MISMO DOCUMENT_SPECIFIC_DATA_SET. The
+following
+the CD and data point names.
+IntegratedDisclosureCashToCloseItemTypes highlighted in light green are used for both a purchase and refinanced. Light blue
+highlighting identifies data points and enumerations. In UCD v2.0, the first instance of CASH_TO_CLOSE_ITEM specifies data
+needed for a purchase transaction.
diff --git a/chunks/txt/435c4bd2aea32f20d96cbe59cd282c43d9e84ac6c1b3b0fd271d719881d235c1.txt b/chunks/txt/435c4bd2aea32f20d96cbe59cd282c43d9e84ac6c1b3b0fd271d719881d235c1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0d8a172601809f0cb5572eeb02f8094d182f3039
--- /dev/null
+++ b/chunks/txt/435c4bd2aea32f20d96cbe59cd282c43d9e84ac6c1b3b0fd271d719881d235c1.txt
@@ -0,0 +1,5 @@
+Appendix B-1: URAR Implementation Guide v1.3
+
+Subject Property Commentary ................................................................................................................................................................................................. 111
+
+Subject Property Exhibits ......................................................................................................................................................................................................... 112
diff --git a/chunks/txt/436300da6553f04576115a78ab034e14c5c7ad8ec131d8d0e6dcb4f2fe164b03.txt b/chunks/txt/436300da6553f04576115a78ab034e14c5c7ad8ec131d8d0e6dcb4f2fe164b03.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0ec4b253bbd6166ad9d7ebbb1892ce6812fee6de
--- /dev/null
+++ b/chunks/txt/436300da6553f04576115a78ab034e14c5c7ad8ec131d8d0e6dcb4f2fe164b03.txt
@@ -0,0 +1,5 @@
+Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 235
+
+Search Results Metrics ............................................................................................................................................................................................................. 235
+
+Market Commentary ................................................................................................................................................................................................................ 241
diff --git a/chunks/txt/43685d508d5482d5242ff4e3e3b68faf21a15f35ae18dc292b5e72813b7bc6f6.txt b/chunks/txt/43685d508d5482d5242ff4e3e3b68faf21a15f35ae18dc292b5e72813b7bc6f6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..451b3f87c663d49989c3b0e06a47ef053a3eaa97
--- /dev/null
+++ b/chunks/txt/43685d508d5482d5242ff4e3e3b68faf21a15f35ae18dc292b5e72813b7bc6f6.txt
@@ -0,0 +1,5 @@
+Reconciliation of Overall Quality and Condition ...................................................................................................................................................................... 231
+
+16 Highest and Best Use ....................................................................................................................................................................................................................... 232
+
+Overview ................................................................................................................................................................................................................................................ 232
diff --git a/chunks/txt/436a965348a4920c9afd937854fd9dcac66bbd62e061fd0ac3a3154c50109700.txt b/chunks/txt/436a965348a4920c9afd937854fd9dcac66bbd62e061fd0ac3a3154c50109700.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f44abdfccac5c9fdd86e93ef25560c6cb6185b7d
--- /dev/null
+++ b/chunks/txt/436a965348a4920c9afd937854fd9dcac66bbd62e061fd0ac3a3154c50109700.txt
@@ -0,0 +1,29 @@
+[FHFA Extends Foreclosure and REO Eviction Moratoriums](/node/10006) (1/19/2021)
+
+[FHFA Further Extends COVID-Related Loan Flexibilities](/node/9991) (1/14/2021)
+
+[FHFA Extends COVID-19 Multifamily Forbearance Through March 31, 2021](/node/9966) (12/23/2020)
+
+[FHFA Further Extends COVID-Related Loan Flexibilities](/node/9936) (12/10/2020)
+
+[FHFA Extends Foreclosure and REO Eviction Moratoriums](/node/9921) (12/2/2020)
+
+[FHFA Further Extends COVID-Related Loan Flexibilities](/node/9876) (11/13/2020)
+
+[Temporary Policy Allowing Purchase of Qualified Loans in Forbearance Extended](/node/9871)(11/12/2020)
+
+[Temporary Policy Allowing Purchase of Qualified Loans in Forbearance Extended](/node/9841)(10/21/2020)
+
+[FHFA Further Extends COVID-Related Loan Flexibilities](/node/9821)(10/19/2020)
+
+[FHFA Further Extends Buying Loans in Forbearance & COVID-Related Loan Processing Flexibilities](/news/news-release/fhfa-further-extends-buying-loans-in-forbearance-covid-related-loan-processing-flexibilities-0) (9/24/2020)
+
+[FHFA Further Extends Buying Loans in Forbearance & COVID-Related Loan Processing Flexibilities](/node/9766)(8/26/2020)
+
+[FHFA Extends COVID-Related Loan Processing Flexibilities for Fannie Mae and Freddie Mac Customers Through August](/node/9716) (7/9/2020)
+
+[FHFA Extends Foreclosure and Eviction Moratorium; Moratorium applies to Enterprise-backed mortgages](/node/9691)(6/17/2020)
+
+[FHFA Makes Translated COVID-19 Resources Available in Six Languages; COVID-19 Servicing Scripts and Mortgage Assistance Application translations now available](/node/9681) (6/16/2020)
+
+[FHFA Extends COVID-Related Loan Processing Flexibilities for Fannie Mae and Freddie Mac Customers Through July](/node/9671)(6/11/2020)
diff --git a/chunks/txt/43857828cf5f9d743a2f21ddb27e5be5ff81632907ea3ff9847f2f43b47f99a1.txt b/chunks/txt/43857828cf5f9d743a2f21ddb27e5be5ff81632907ea3ff9847f2f43b47f99a1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..81d29e982d64be93a20df5611332cdc78062194d
--- /dev/null
+++ b/chunks/txt/43857828cf5f9d743a2f21ddb27e5be5ff81632907ea3ff9847f2f43b47f99a1.txt
@@ -0,0 +1,46 @@
+•
+
+•
+
+When the subject property will generate rental income and is used for qualifying purposes, the rental information section of the
+Uniform Residential Appraisal Report (URAR) must be used to support the income-earning potential of the property.
+
+Note: The rental payment on the lease must be reflected in U.S. dollars (cannot be in virtual currency).
+
+When the need arises to establish a monthly market rent after the URAR has been initially completed, the original appraiser must
+be re-engaged to amend the original URAR to include the rental information section.
+
+In rare cases, the original appraiser may not be available to amend the appraisal report. In this situation, the Single-Family
+Comparable Rent Schedule (Form 1007) may be completed by a different appraiser to satisfy the requirement for the loan.
+
+Note: Form 1007 is not a standalone appraisal report, and the alternate appraiser completing it must take the necessary steps to
+be compliant with Uniform Standards of Professional Appraisal Practice (USPAP).
+
+Documenting Rental Income from Subject Property
+
+The lender must obtain documentation that is used to calculate the monthly rental income for qualifying purposes. The
+documentation may vary depending on whether the borrower has a history of renting the property, and whether the prior year
+tax return includes the income.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 36 of 166
+
+UAD 3.6 Policy
+
+Does the Borrower
+Have a History of
+Receiving Rental
+Income from the
+Subject Property?
+
+Transaction
+Type
+
+Documentation Requirements
+
+Yes
+
+Refinance
+
+Rental Information section of the URAR1 and either
diff --git a/chunks/txt/438f33b3933b93480b4c053fc73f3d44639d17fddf429141cbb1080da6eeaed7.txt b/chunks/txt/438f33b3933b93480b4c053fc73f3d44639d17fddf429141cbb1080da6eeaed7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..af1c74a8ef9fdddd17b3f34004ae44407d68f03f
--- /dev/null
+++ b/chunks/txt/438f33b3933b93480b4c053fc73f3d44639d17fddf429141cbb1080da6eeaed7.txt
@@ -0,0 +1,87 @@
+Page 158 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+12 Outbuilding
+
+Outbuilding Commentary
+
+Outbuilding Commentary
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+12.025 Outbuilding
+
+If applicable
+
+Free-form
+
+Commentary
+
+Definition / Additional Guidance
+
+Commentary could include information pertinent to the Outbuilding section
+that is not captured in the discrete data, or additional details to support the
+discrete data that is provided.
+
+Outbuilding Exhibits
+
+All photos or images related to the Outbuilding section are displayed in the Outbuilding Exhibits subsection. If
+there are no photos or images, this subsection does not display.
+
+Outbuilding Exhibits
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+See
+iGuide
+
+Outbuilding
+Exhibits
+
+If applicable
+
+Photos or images
+
+Definition / Additional Guidance
+
+Photos or images relevant to the Outbuilding section may be provided, which
+display in Outbuilding Exhibits. If the photo or image is not specifically
+indicated, provide a caption to further identify the photo or image.
+
+Outbuildings - Not Real Property
+
+If the outbuilding is not real property (Outbuilding Considered Real Property is No), an abbreviated set of
+information for the Outbuilding section displays. Examples include containers or manufactured homes that are
+not real property.
+
+Note: Outbuildings that are not real property are not displayed in the Sales Comparison Approach or in the Cost
+Approach.
+
+Appendix F-1: URAR Reference Guide
+
+Page 159 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+12 Outbuilding
diff --git a/chunks/txt/4394ee6bf02016ef2ea0d479e5195a0813044f0f2c762f64029754b6ee20ae44.txt b/chunks/txt/4394ee6bf02016ef2ea0d479e5195a0813044f0f2c762f64029754b6ee20ae44.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2111debe4f04a95f66ef9ce95d040e417a5240fd
--- /dev/null
+++ b/chunks/txt/4394ee6bf02016ef2ea0d479e5195a0813044f0f2c762f64029754b6ee20ae44.txt
@@ -0,0 +1,93 @@
+Other (Describe)
+
+8.033
+
+Detail
+(Estimated Age)
+
+Always required
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+Estimated Age: The appraiser’s estimate of when the roof was last replaced.
+•
+Less than 1 year
+•
+1-10 years
+•
+10-20 years
+• More than 20 years
+Note: If there are varying ages for the roof, choose the one that best explains
+the Exterior Condition Rating.
+
+Appendix F-1: URAR Reference Guide
+
+Page 106 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+08 Dwelling Exterior
+
+Report
+Field ID
+
+8.035
+
+Dwelling Exterior: Quality and Condition - Exterior Features - Roof
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Condition Status Required if Roof
+Observable is Yes
+
+Choose an
+allowable answer
+from table
+(Exterior Feature
+Condition Status)
+
+Roof Condition Status: The condition status of the roof.
+•
+•
+•
+•
+
+New or Like New
+Typical Wear and Tear
+Damaged and Functional
+Damaged and Nonfunctional
+
+Notes:
+•
+
+If there are varying condition statuses for the roof, 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.
+
+•
+
+•
+
+Windows
+
+The Windows row always displays in the Exterior Features table.
+
+Dwelling Exterior: Quality and Condition - Exterior Features - Windows
diff --git a/chunks/txt/439570111b718259a4b5dc3b04d21a4b7212cf1b9c0c499c3acd3bbfa42df34c.txt b/chunks/txt/439570111b718259a4b5dc3b04d21a4b7212cf1b9c0c499c3acd3bbfa42df34c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ab6cf787703584c33af464d5b50ab8cfa06883fa
--- /dev/null
+++ b/chunks/txt/439570111b718259a4b5dc3b04d21a4b7212cf1b9c0c499c3acd3bbfa42df34c.txt
@@ -0,0 +1,337 @@
+Park
+
+1103
+
+Full
+
+Residential
+
+Partial
+
+Commercial
+
+3214 Somewhere Pl
+
+Anywhere
+
+20854
+
+MD
+
+BuiltIn
+
+Garage
+
+2
+
+0
+
+ContractDate
+
+0
+
+SaleDate
+
+0
+
+SiteSize
+
+0
+
+View
+
+10000
+
+RowhouseTownhouseEndUnit
+
+0
+
+RowhouseTownhouseLocation
+
+0
+
+LivingUnitBedroomCount
+
+5000
+
+LivingUnitBathroomCount
+
+0
+
+LivingUnitStandardFinishedAreaAboveGrade
+
+6000
+
+LivingUnitStandardFinishedAreaBelowGrade
+
+0
+
+LivingUnitUnfinishedAreaBelowGrade
+
+-4000
+
+WholeHomeAmenity
+
+852000
+
+SouthWest
+
+Less
+
+false
+
+Conventional
+
+243
+
+3
+
+.03
+
+17000
+
+Dwelling
+
+2016
+
+false
+
+272
+
+3442
+
+420
+
+false
+
+4
+
+3
+
+2
+
+C3
+
+Q3
+
+RowhouseTownhouse
+
+Brick
+
+CementBoard
+
+ExteriorWallsAndTrim
+
+C3
+
+Q3
+
+1
+
+false
+
+false
+
+BottomUnit
+
+true
+
+ForcedWarmAir
+
+PropertyPhoto
+
+\\Images\SF2_Comp3.png
+
+image/png
+
+52
+
+840000
+
+SettledSale
+
+25.165170
+
+-51.328128
+
+Deck
+
+Deck
+
+OutdoorLiving
+
+3
+
+IndoorFireplace
+
+Elevator
+
+WholeHome
+
+0
+
+Attached
+
+1
+
+true
+
+1
+
+C3
+
+Q3
+
+false
+
+true
+
+FeeSimple
+
+false
+
+true
+
+false
+
+2019-06-09
+
+2019-07-09
+
+835000
+
+Sale
+
+None
+
+false
+
+BusyRoadway
+
+Park
+
+2111
+
+Full
+
+Residential
+
+Partial
+
+Commercial
+
+2134 Nothing Hill Pl
+
+Anywhere
+
+20854
+
+MD
+
+BuiltIn
+
+Garage
+
+2
+
+0
+
+ContractDate
+
+0
+
+SiteSize
+
+0
+
+YearBuilt
+
+0
+
+LivingUnitBedroomCount
+
+5000
+
+LivingUnitBathroomCount
+
+0
+
+LivingUnitStandardFinishedAreaAboveGrade
+
+6000
+
+LivingUnitStandardFinishedAreaBelowGrade
+
+0
+
+LivingUnitUnfinishedAreaBelowGrade
+
+-4000
+
+WholeHomeAmenity
+
+887000
+
+NorthWest
+
+NoWeight
+
+true
+
+Other
+
+Unknown
+
+256
+
+4
+
+.06
+
+7000
+
+Dwelling
+
+2015
+
+false
+
+272
+
+3442
+
+420
+
+false
+
+4
+
+3
+
+2
+
+C3
+
+Q2
+
+RowhouseTownhouse
+
+Brick
+
+Wood
+
+ExteriorWallsAndTrim
+
+C3
+
+Q3
+
+1
+
+false
+
+true
+
+false
+
+ForcedWarmAir
diff --git a/chunks/txt/43bf890e033b44f939acd7712a1955f1e54bc1af5198d591daec76b1005e9ab1.txt b/chunks/txt/43bf890e033b44f939acd7712a1955f1e54bc1af5198d591daec76b1005e9ab1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f9bf37624419ee8b1447e3d93deb02061893b551
--- /dev/null
+++ b/chunks/txt/43bf890e033b44f939acd7712a1955f1e54bc1af5198d591daec76b1005e9ab1.txt
@@ -0,0 +1,7 @@
+- ![No alternative text description for this image]()
+ `` `` [![image]() ![image]() 30](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) `` `` `` `` `` `` `` [2 Comments](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)
+
+``
+ - [](https://www.linkedin.com/posts/fhfa_us-house-prices-rose-03-percent-in-november-activity-7290014550794330114-uMNL) [![View organization page for Federal Housing Finance Agency]()](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-image) [Federal Housing Finance Agency](https://www.linkedin.com/company/fhfa?trk=organization_guest_main-feed-card_feed-actor-name)
diff --git a/chunks/txt/43c588dc5fb36a93a4973179d85337ed29884c39d282558e5f8ec7d2996d56a5.txt b/chunks/txt/43c588dc5fb36a93a4973179d85337ed29884c39d282558e5f8ec7d2996d56a5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5f32894f65196b2ae6460cd967586073f4dea021
--- /dev/null
+++ b/chunks/txt/43c588dc5fb36a93a4973179d85337ed29884c39d282558e5f8ec7d2996d56a5.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/data/mirs"
+date_accessed: "2026-01-27T17:47:56.936Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/43cb60d5d9d7be875c462c680da5be3797da2f6d6d5dbea662b0ec716dc8dbc8.txt b/chunks/txt/43cb60d5d9d7be875c462c680da5be3797da2f6d6d5dbea662b0ec716dc8dbc8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c1efd01ec50a759e691a09746654e980cee155c8
--- /dev/null
+++ b/chunks/txt/43cb60d5d9d7be875c462c680da5be3797da2f6d6d5dbea662b0ec716dc8dbc8.txt
@@ -0,0 +1,74 @@
+1 = >0, <=80%
+2 = >80, <=120%
+3 = >120%
+9 = Missing
+
+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.
+
+SF NFB
+
+8
+
+Federal Housing
+Finance Agency
+
+Field # Field
+Width
+1
+
+6
+
+Enterprise Public Use Database Data Dictionary
+Data Release of 2024 Acquisitions
+
+Single-Family Properties
+National File B
+
+Header Name
+
+Field Name
+
+Values
+
+Description / Comments
+
+income_cat
+
+Borrower Income Ratio or
+Rent Affordability
+Category
+
+1 = >= 0, <=50%
+2 = >50, <=80%
+3 = >80%
+9 = Not applicable
+
+For owner-occupied units, 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 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.
+
+For rental units, the rent affordability category
+(extremely low, very low, low, moderate, or
+other) is based on the ratio of annualized rent
+to area median family income in accordance
+with 12 CFR 1282.15(d), given the number of
+bedrooms in the unit. Units classified as
+“extremely low” or “very low” are coded 1;
+units classified as “low” are coded 2; higher-
+rent units are coded 3.
diff --git a/chunks/txt/43cd1b192caf7587427c8796a7317e5c953de5937b349fe0db51adb7ab30a23d.txt b/chunks/txt/43cd1b192caf7587427c8796a7317e5c953de5937b349fe0db51adb7ab30a23d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e52533cd9d8c2062e1bc01e7dc377af97e213bcd
--- /dev/null
+++ b/chunks/txt/43cd1b192caf7587427c8796a7317e5c953de5937b349fe0db51adb7ab30a23d.txt
@@ -0,0 +1,54 @@
+Fannie Mae Desktop Underwriter Specification
+Frequently Asked Questions
+
+Document Version 1.1
+
+Version Date: May 28, 2024
+
+© 2024 Fannie Mae. Trademarks of the respective owners. MISMO is a registered trademark of the
+
+Mortgage Industry Standards Maintenance Organization.
+
+Frequently Asked Questions (FAQ) Revision History
+Document Date
+
+Version No.
+
+Description
+
+May 28, 2024
+
+September 28, 2022
+
+1.1
+
+1.0
+
+Addition of Q26 about the Optimized Dataset
+
+Initial publication
+
+2
+
+1. What field should be used to identify the “sales price”?
+
+The data point for “sales price” is SalesContractAmount (UID 7.0001) in the DU Spec. This data point is
+mapped to the “Sales Contract Price” in the URLA Lender Loan Information section L4. Qualifying the
+Borrower.
+
+The sales contract amount must not include any amount of value assigned to personal property.
+
+2. Does Fannie Mae support Excess Contributions from interested parties? If so, what fields will be
+
+used to submit this information?
+
+Yes, for both conventional and government loans excess contributions are considered Sales Concessions
+and are reported using the data point SalesConcessionAmount (UID 17.0007). The property’s sales price
+(SalesContractAmount (UID 7.0001)) must be adjusted downward to reflect any Interested Party
+Contribution that exceeds the limit specified in the Fannie Mae Selling Guide.
+
+For a detailed discussion on how to enter Excess Contributions see DU Job Aids on Excess Interested Party
+Contributions at the link shown below:
+
+https://singlefamily.fanniemae.com/job-aid/new-
+desktopunderwriter/topic/excess_interested_party_contributions.htm
diff --git a/chunks/txt/43cfe42598212d96ad745c938e989b2eb884e589a01daabe7a5e64343745745f.txt b/chunks/txt/43cfe42598212d96ad745c938e989b2eb884e589a01daabe7a5e64343745745f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2e7f708669b574670cf2b0c111c6786a64dd5170
--- /dev/null
+++ b/chunks/txt/43cfe42598212d96ad745c938e989b2eb884e589a01daabe7a5e64343745745f.txt
@@ -0,0 +1,65 @@
+Based on the data reported by the
+Enterprises, in 2010, Freddie Mac did
+not purchase and securitize any first
+mortgages with a HMDA rate spread at
+or above 1.5 percent. Fannie Mae
+purchased and securitized a total of
+13,841 first mortgages (with an unpaid
+principal balance (UPB) of $2.08 billion)
+with a HMDA rate spread. Of these total
+loans, 834 loans (with a UPB of $139.9
+million) were repurchased as of year-
+end, and 13,007 loans (with a UPB of
+$1.94 billion) were not repurchased as
+of year-end. The 834 loans repurchased
+represent 6 percent of the total loans
+(6.7 percent of UPB) with a validly
+identified rate spread that were
+purchased and securitized during 2010.
+FHFA considered whether to define
+
+‘‘high-cost’’ loan according to the
+HOEPA ‘‘high-cost mortgage’’ definition
+in section 103(aa) of the Truth in
+Lending Act (TILA), as added by the
+Dodd-Frank Wall Street Reform and
+
+3 http://federalreserve.gov/pubs/bulletin/2010/
+pdf/2009_HMDA_final.pdf at page A39 for example.
+4 http://www.ffiec.gov/ratespread/newcalc.aspx.
+5 Defining ‘‘high cost’’ as the HMDA rate spread
+
+is not, in and of itself, a statement as to whether
+the loan was originated through subprime lending
+channels.
+
+Consumer Protection Act (Dodd-Frank
+Act).6 Prior to the Dodd-Frank Act, the
+term ‘‘high-cost’’ was not used in
+section 103(aa) with respect to
+mortgages subject to HOEPA, and
+residential mortgage transactions were
+exempted from coverage. However, the
+term ‘‘high-cost’’ mortgage had been
+used in previous proposed amendments
+to TILA, and has been used by federal
+regulators for many years to refer to
+HOEPA loans. Section 103(aa) of TILA
+define a ‘‘high cost mortgage’’ generally
+as a consumer credit transaction that is
+secured by a first mortgage on the
+consumer’s principal dwelling,
+including residential mortgage
+transactions, where the APR is more
+than 6.5 percentage points above the
+average prime offer rate (APOR) for a
+comparable transaction.7 Loans meeting
+the ‘‘high-cost mortgage’’ definition are
+subject to other requirements of HOEPA.
+The new 6.5 percentage points rate
+spread trigger is lower than the 8
+percentage points trigger (based on the
+yield on Treasury securities having a
+comparable period of maturity) in FRB’s
+regulation in effect prior to enactment of
+the Dodd-Frank Act.8
diff --git a/chunks/txt/43d677ceb9ec7e950eb5e9eeb743c5880e144394b3d4e7ad8a65a186f8dfafe6.txt b/chunks/txt/43d677ceb9ec7e950eb5e9eeb743c5880e144394b3d4e7ad8a65a186f8dfafe6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1280e4585b90b79fc220aed78ad81c92ef39c34d
--- /dev/null
+++ b/chunks/txt/43d677ceb9ec7e950eb5e9eeb743c5880e144394b3d4e7ad8a65a186f8dfafe6.txt
@@ -0,0 +1,26 @@
+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 LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+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/43e68fb8c663af5cf9709979b9b456f1c8eaa00b0efcb3304fc75adc7ecbd662.txt b/chunks/txt/43e68fb8c663af5cf9709979b9b456f1c8eaa00b0efcb3304fc75adc7ecbd662.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9246c3b3030b1ada8d74d537b88b518e9f2d3c57
--- /dev/null
+++ b/chunks/txt/43e68fb8c663af5cf9709979b9b456f1c8eaa00b0efcb3304fc75adc7ecbd662.txt
@@ -0,0 +1,24 @@
+###### 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/)
+
+.login-block.menu-open .user-logout { position: inherit !important; float: left; margin-right: 5px; }
+
+jQuery(document).ready(function () { jQuery('a[href^="#"]:not(.hv-tabbed-content a)').on('click', function (e) { e.preventDefault(); const targetSelector = jQuery(this).attr('href'); const targetEl = jQuery(targetSelector); if (targetEl.length) { jQuery('html, body').animate( { scrollTop: targetEl.offset().top - 50, }, 500, function () { targetEl.attr('tabindex', '-1').focus(); } ); } }); });
+
+## Social media
+
+- [LinkedIn](https://www.linkedin.com/company/fannie-mae-corporation_19722)
+ - [Facebook](https://www.facebook.com/fanniemae)
+ - [Instagram](https://instagram.com/officialfanniemae)
+ - [X (formerly Twitter)](https://twitter.com/FannieMae)
diff --git a/chunks/txt/43f1200619da331dc4579f5671f58efaa6747d9f668154f8bb499489f639974e.txt b/chunks/txt/43f1200619da331dc4579f5671f58efaa6747d9f668154f8bb499489f639974e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7244cb32d35b22670e6c38759e43a217445cfca3
--- /dev/null
+++ b/chunks/txt/43f1200619da331dc4579f5671f58efaa6747d9f668154f8bb499489f639974e.txt
@@ -0,0 +1,147 @@
+
+
+Ownership Rights
+
+Property Rights Appraised
+
+Fee Simple
+
+All Rights Included in Appraisal
+
+Yes
+
+Legal Description
+
+Section 23 Township 3S Range 3E Tax Lot 00700 and 00700B
+
+Appraiser Reference ID SRO-123345Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 2 (MH2)
+
+Uniform Residential Appraisal Report
+
+Page 3 of 20
+
+Site
+
+Total Site Size
+
+14,000 Sq. Ft.
+
+Number of Parcels
+
+1
+
+Assessor Parcel Number (APN)
+ERW 14885329 - 23
+
+APN Description
+Land with Dwelling
+
+Parcel Size
+14,000 Sq. Ft.
+
+Zoning
+
+Compliance
+Classification Code
+Classification Code Description
+
+Legal
+1-5 MH Residential
+Zoning allows one dwelling
+minimum per 12,000 sq. ft.
+including manufactured and
+modular housing.
+
+Property Use
+
+Non-Residential Use
+
+None
+
+Property Access
+Primary Access
+Street Type and Surface
+Typical for Market
+
+Public Street
+Local Road | Asphalt
+Yes
+
+Comment
+The subject is located within
+1/2 mile of a regional park
+with a lake, hiking and
+horse back riding trails,
+playgrounds, and picnic
+areas.
+
+Site Influence
+
+Influence
+Park
+
+Proximity
+Offsite
+
+Detail
+
+Impact
+Beneficial
+
+Residential
+
+Bordering
+
+Neutral
+
+View and Impact to Value/Marketability
+
+View
+Residential
+
+Range of View
+Full
+
+Impact
+Neutral
+
+Site Features and Impact to Value/Marketability
+
+Feature
+Hazard Zone
+
+Site Characteristic
+
+Detail
+No Hazard Zone Noted
+
+Topography | Flat
+
+Impact
+
+Comment
+
+Neutral
+
+Utilities and Impact to Value/Marketability
+
+Broadband Internet Available
+
+Yes
+
+Private
+
+Detail
+
+Private Utility
+Impact
+
+Comment
+
+Electricity
+
+Gas
+
+Sanitary Sewer
+
+Water
diff --git a/chunks/txt/4409c99ac744f9b07d1740661b84f743688c17060c0c99423edf5525493758dd.txt b/chunks/txt/4409c99ac744f9b07d1740661b84f743688c17060c0c99423edf5525493758dd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9d21a4e7077d5341d9bdcb3eb3eccaab990babfb
--- /dev/null
+++ b/chunks/txt/4409c99ac744f9b07d1740661b84f743688c17060c0c99423edf5525493758dd.txt
@@ -0,0 +1,19 @@
+25. I am aware that any disclosure or distribution of this appraisal report by me or 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.
+
+26. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage insurers, government
+sponsored enterprises, and other secondary market participants may choose to rely on this appraisal report as part of any mortgage finance
+transaction that involves any one or more of these parties. 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.
+
+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.
diff --git a/chunks/txt/4428828683db634baa011ae5c17fb3bb4e9c68805dc67f3f9ba99fbea64cfd8d.txt b/chunks/txt/4428828683db634baa011ae5c17fb3bb4e9c68805dc67f3f9ba99fbea64cfd8d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8af67da2586be7e36ac61b94eba869bb46f0daca
--- /dev/null
+++ b/chunks/txt/4428828683db634baa011ae5c17fb3bb4e9c68805dc67f3f9ba99fbea64cfd8d.txt
@@ -0,0 +1,5 @@
+* If the partner has elected to complete the Solutions Review, and releases with the partner will be completed iteratively, Solution
+Review demonstrations should be completed after each iteration. If the partner is waiting to make all updates at the same time,
+closer to the mandate date, then only one Solution Review demonstration would be necessary.
+
+© 2024 Fannie Mae 11.18.24 Page 1 of 1
diff --git a/chunks/txt/4431a62c3aee45cca49062997c20beb1bee35ae88b182591414353f44c402235.txt b/chunks/txt/4431a62c3aee45cca49062997c20beb1bee35ae88b182591414353f44c402235.txt
new file mode 100644
index 0000000000000000000000000000000000000000..12ca5945877b43dfaab63c42de2423d69000beb0
--- /dev/null
+++ b/chunks/txt/4431a62c3aee45cca49062997c20beb1bee35ae88b182591414353f44c402235.txt
@@ -0,0 +1,9 @@
+[Learn about options](/homeowners-and-homebuyers/mortgage-assistance/disaster-assistance) available for homeowners affected by natural disasters.
+
+## Servicing Alignment Initiative
+
+FHFA, jointly with the Enterprises, announced the Servicing Alignment Initiative (SAI) in 2011. The objective of SAI was to develop consistent servicing policies that would help servicers to do a better job of resolving delinquencies in a consistent, efficient, and expeditious manner with the goal of keeping struggling borrowers in their homes whenever possible while minimizing losses to the Enterprises and taxpayers. Under SAI, the Enterprises developed a broad suite of aligned loss mitigation programs that streamline the delivery of loss mitigation solutions to borrowers. The success of these efforts is tracked in FHFA's quarterly [Foreclosure Prevention Report](/reports/foreclosure-prevention-report) which documents the Enterprises’ performance in foreclosure prevention actions for borrowers. The loss mitigation solutions outlined in the reports are currently being re-evaluated and redesigned to address a more stable economic environment.
+
+## Current Suite of Loss Mitigation Programs:
+
+The suite of programs detailed below encompasses the core loss mitigation programs currently offered by the Enterprises for borrowers facing financial hardships. This is not meant to be a comprehensive list of every program an Enterprise may offer. The loss mitigation programs listed are solely for Enterprise loans, and different loan options are available for government insured loans (e.g., FHA-insured loans) or for loans that are not owned or guaranteed by the Enterprises. Not all borrowers will be eligible for a particular program, and other terms or conditions may apply.
diff --git a/chunks/txt/44490520fbeb332443369b72a53e4e61f25afeec491212120650484c24d5903b.txt b/chunks/txt/44490520fbeb332443369b72a53e4e61f25afeec491212120650484c24d5903b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ea5a989ec07fa9d8a334ee23b7a02e878f5e46ea
--- /dev/null
+++ b/chunks/txt/44490520fbeb332443369b72a53e4e61f25afeec491212120650484c24d5903b.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 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 18 of 18
+Page 18 of 18
+
+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/44497accb14705b9250e0f7bbcf5d18d8f171cc51c6135decd3525d25b82c131.txt b/chunks/txt/44497accb14705b9250e0f7bbcf5d18d8f171cc51c6135decd3525d25b82c131.txt
new file mode 100644
index 0000000000000000000000000000000000000000..775410b96e08328c0433ce00e02e59beae0a33ba
--- /dev/null
+++ b/chunks/txt/44497accb14705b9250e0f7bbcf5d18d8f171cc51c6135decd3525d25b82c131.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/data/conforming-loan-limit"
+date_accessed: "2026-01-27T17:54:20.509Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/44522063b0fd337234c88bc1bdfedaae3d4b8a588c82751b95c04d1d0d3699cb.txt b/chunks/txt/44522063b0fd337234c88bc1bdfedaae3d4b8a588c82751b95c04d1d0d3699cb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..781bb88c112f22a1e312f644bece90c09c4c476d
--- /dev/null
+++ b/chunks/txt/44522063b0fd337234c88bc1bdfedaae3d4b8a588c82751b95c04d1d0d3699cb.txt
@@ -0,0 +1,56 @@
+data element to add the lien status for purchased
+loans, which is already included in the PUDB. 80
+FR at 66201; FHFA 2010 Order, 75 FR at 41184.
+
+84 84 FR at 656.
+85 12 CFR 1003.4(a)(3).
+86 84 FR at 656.
+
+(UCD), and new data elements added in
+the Uniform Loan Delivery Dataset
+(ULDD) Phase 3. These data elements
+have not been included in the Single-
+Family PUDB in the past, but are now
+subject to inclusion because they are
+HMDA data elements that were
+collected by the Enterprises in 2018.
+However, because these are new data
+collections requiring further analysis to
+ensure data quality before inclusion in
+the PUDB, FHFA is not requiring the
+Enterprises to report them at this time
+for the PUDB. The data elements are
+discussed below.
+
+Total Loan Costs, Origination
+
+Charges, and Lender Credits: These are
+new HMDA data elements that
+incorporate certain loan cost items from
+the closing disclosure required by the
+Truth in Lending Act/Real Estate
+Settlement Procedures Act Integrated
+Disclosure (TRID).87 Total Loan Costs
+indicates the loan cost amount in
+dollars.88 Origination Charges indicates
+the total borrower-paid origination costs
+for the loan.89 Lender Credits indicates
+any amounts the lender paid to the
+borrower to offset closing costs.90
+
+Ethnicity, Race, and Sex: These are
+HMDA data elements that indicate the
+ethnicity, race, and sex of the borrower
+and co-borrower. The Regulation C
+amendments expanded the ethnicity
+and race categories to include new sub-
+groups.91 The Enterprises required loan
+sellers to begin reporting the new
+HMDA ethnicity and race data starting
+in mid-2019, although some sellers
+voluntarily reported the new data in
+2018. During this transition period, the
+PUDB Single-Family Census Tract File
+will continue to disclose ethnicity, race,
+and sex data in conformance with the
+former HMDA reporting categories.
diff --git a/chunks/txt/445d05216646dc94f9d36bc3174547a3428f8553ecf5bae59d6a859b2ee43ee0.txt b/chunks/txt/445d05216646dc94f9d36bc3174547a3428f8553ecf5bae59d6a859b2ee43ee0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..55263ee1e0de5a0a6be4e07fdcacf921857b3fd5
--- /dev/null
+++ b/chunks/txt/445d05216646dc94f9d36bc3174547a3428f8553ecf5bae59d6a859b2ee43ee0.txt
@@ -0,0 +1,29 @@
+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 provided a sketch in this appraisal report to show the approximate dimensions of the improvements.
+The sketch is included only to assist the reader in visualizing the property and understanding the appraiser’s determination
+of its size.
+
+3. 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.
+
+4. The appraiser will not 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.
+
+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.
diff --git a/chunks/txt/445f33d98d00a0ed7932871b03b669aa34f3004e04d3e111c1c938232587a87f.txt b/chunks/txt/445f33d98d00a0ed7932871b03b669aa34f3004e04d3e111c1c938232587a87f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6efdabdf90d4cd337a3a049d7d93e8550e776559
--- /dev/null
+++ b/chunks/txt/445f33d98d00a0ed7932871b03b669aa34f3004e04d3e111c1c938232587a87f.txt
@@ -0,0 +1,7 @@
+5b. Weighting ............................................................................................................................................ 8
+
+5c. Variance Estimation ............................................................................................................................ 8
+
+6. Geography in the UAD Appraisal-Level PUF .......................................................................................... 8
+
+7. UAD Appraisal-Level PUF Format .......................................................................................................... 9
diff --git a/chunks/txt/4460eb11792d2f19778fabff407a4b9de7bd9533cfd6c2fc109224e111e79942.txt b/chunks/txt/4460eb11792d2f19778fabff407a4b9de7bd9533cfd6c2fc109224e111e79942.txt
new file mode 100644
index 0000000000000000000000000000000000000000..973f4dabfb336c9255b8166d4a1ce9281d107a42
--- /dev/null
+++ b/chunks/txt/4460eb11792d2f19778fabff407a4b9de7bd9533cfd6c2fc109224e111e79942.txt
@@ -0,0 +1,101 @@
+Report
+Field ID
+
+08.006
+08.007
+
+Report Label
+
+When to Include
+
+N/A
+
+Always required for
+each contact (person)
+
+Assignment: Contact Information - Role
+
+Allowable
+Answers / Format
+
+Choose allowable
+answers from
+tables (Lender,
+Client, and AMC)
+and (Appraiser
+and Supervisory
+Appraiser)
+
+Definition / Additional Guidance
+
+Role: The role that the person or company performed in the assignment.
+•
+•
+•
+•
+•
+•
+•
+•
+
+Appraisal Management Company
+Appraiser
+Attorney
+Client
+Investor
+Lender
+Supervisory Appraiser
+Other (Describe)
+
+Select all applicable roles but at least one Role for each contact that is in the
+Completion Report.
+
+Lender, Client, and AMC
+
+This portion of the Contact Information subsection shows details about the lender, client, and / or AMC.
+Contacts display here when Role is Lender, Client, or AMC.
+
+Choose one contact as the Client in addition to any other role with which the client has been associated. Note
+that Client, Lender, and AMC are all identified as Roles in this section.
+
+Example: In the most common scenario in which the lender is the client, select both of those Roles when
+inputting the lender contact information to provide context that the lender is also the client.
+
+Appendix F-3: Completion Report Reference Guide
+
+Page 23 of 33
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+08 Assignment Information
+
+Allowable Answer
+
+Appraisal Management
+Company (AMC)
+
+Attorney
+
+Client
+
+Investor
+
+Lender
+
+Other
+
+Lender, Client, and AMC: Role (Choose one or more for each Contact)
+
+Definition / Additional Guidance
+
+Notes:
+•
+•
+•
+
+If there is an AMC for the assignment, it must be identified in addition to the lender.
+Do not select this answer if there is no AMC for the assignment, i.e., do not populate with “No AMC.”
+In some jurisdictions, the appraiser is required to identify the AMC as the client. In those cases, choose both AMC
+and Client as the Role for the AMC.
diff --git a/chunks/txt/4463456bbb7f8c4f4b3e097f8a34f5f2ec5059b6281294091f21365b5e21dbf8.txt b/chunks/txt/4463456bbb7f8c4f4b3e097f8a34f5f2ec5059b6281294091f21365b5e21dbf8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..449f52c394f6f1b5efaf63db89e543a168ff32da
--- /dev/null
+++ b/chunks/txt/4463456bbb7f8c4f4b3e097f8a34f5f2ec5059b6281294091f21365b5e21dbf8.txt
@@ -0,0 +1,75 @@
+Site Value
+
+Site Valuation Method And Site Value
+
+Site Value and Site Valuation Method
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+25.040 Primary Site
+
+Always required
+
+Valuation
+Method
+
+Choose an
+allowable answer
+from table
+(Primary Site
+Valuation Method)
+
+The method by which the site value is calculated.
+•
+•
+•
+•
+
+Allocation
+Extraction
+Sales Comparison
+Other (Describe)
+
+25.041 Opinion of Site
+Value
+
+Always required
+
+Dollar amount
+
+The dollar value estimated for the property site (e.g., land that is improved so
+that it is ready to be used for a specific purpose). Can be 0, such as when
+Property Rights Appraised 3.019 is Leasehold.
+Note: This amount redisplays at the top of the Cost Approach section 25.004.
+
+Allowable Answer
+
+Definition / Additional Guidance
+
+Primary Site Valuation Method (Choose one)
+
+Allocation
+
+Extraction
+
+Sales Comparison
+
+An estimation of land value in which sales of improved properties are analyzed to establish a typical ratio of land value to
+total property value. This ratio is applied to the property being appraised to arrive at an estimated value for the land.
+
+An estimation of land value in which the depreciated cost of the improvements on the improved property is estimated and
+deducted from the total sale price to arrive at an estimated value for the land.
+
+Identifies sales of vacant land and / or sites and applies an adjustment process to the sale price to determine an indicated
+value or range of value for the subject site.
+Note: If this answer is selected, land comparables (25.042-25.049) must be provided.
diff --git a/chunks/txt/44661931f0d5a901d8992cbd7ae60d89c413e61b7789ee51f9f8d1bb8d7a2f86.txt b/chunks/txt/44661931f0d5a901d8992cbd7ae60d89c413e61b7789ee51f9f8d1bb8d7a2f86.txt
new file mode 100644
index 0000000000000000000000000000000000000000..60c9e15942cae583838659af7abb1ac0115d1b31
--- /dev/null
+++ b/chunks/txt/44661931f0d5a901d8992cbd7ae60d89c413e61b7789ee51f9f8d1bb8d7a2f86.txt
@@ -0,0 +1,3 @@
+Header ......................................................................................................................................................................................................................................... 9
+
+Footer ........................................................................................................................................................................................................................................ 10
diff --git a/chunks/txt/4466c10901cfd2adc3eea268fbe7bae2282a327bd3efbc31921ed9ba1ed9ccb3.txt b/chunks/txt/4466c10901cfd2adc3eea268fbe7bae2282a327bd3efbc31921ed9ba1ed9ccb3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5245d918d706cdb1855f69a6686f7811ea071d6b
--- /dev/null
+++ b/chunks/txt/4466c10901cfd2adc3eea268fbe7bae2282a327bd3efbc31921ed9ba1ed9ccb3.txt
@@ -0,0 +1,453 @@
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+R
+
+R
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+N/A
+
+N/A
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+N/A
+
+N/A
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+N/A
+
+N/A
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+N/A
+
+N/A
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+UAD Consolidated Schema Matrix
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 10 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
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+N/A
+
+T
+
+T
+
+N/A
+
+T
+
+T
+
+N/A
+
+T
+
+T
+
+N/A
+
+T
+
+T
+
+T
+
+T
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+N/A
+
+N/A
+
+N/A
+
+T
+
+T
+
+N/A
+
+N/A
+
+N/A
+
+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
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+N/A
+
+N/A
+
+N/A
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+N/A
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+N/A
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+N/A
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+N/A
+
+T
+
+T
+
+T
+
+.PROPERTY
+..STRUCTURE
+...KITCHEN_EQUIPMENT
+Kitchen Equipment Type**
+
+Kitchen Equipment Type Other Description**
+
+Kitchen Equipment Exists Indicator**
+
+.PROPERTY
+..STRUCTURE
+...ATTIC
+Attic Exists Indicator**
+
+.PROPERTY
+..STRUCTURE
+...ATTIC_FEATURE
+Attic Feature Type**
+
+Attic Feature Exists Indicator**
diff --git a/chunks/txt/44794e12f37d935a32062be31b68e8887b8ce9a8d66f47034442057b344c927e.txt b/chunks/txt/44794e12f37d935a32062be31b68e8887b8ce9a8d66f47034442057b344c927e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..948a8fa96853b44a63af12e31ad70965cbdf96a5
--- /dev/null
+++ b/chunks/txt/44794e12f37d935a32062be31b68e8887b8ce9a8d66f47034442057b344c927e.txt
@@ -0,0 +1,152 @@
+•
+
+•
+•
+
+Appendix F-1: URAR Reference Guide
+
+Page 77 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+04 Site
+
+Site: Utilities
+
+Report
+Field ID
+
+4.072
+
+Report Label
+
+When to Include
+
+Electricity
+(Detail)
+
+Required if Utility Type
+is Electricity and Utility
+Ownership is Non-
+Public
+
+4.084
+
+Sanitary Sewer
+(Detail)
+
+4.084
+
+Sanitary Sewer
+(Detail)
+
+4.090 Water
+(Detail)
+
+Required if Utility Type
+is Sanitary Sewer and
+Utility Ownership is
+Non-Public
+
+Required for FHA
+appraisals when there
+is no public sanitary
+sewer connected to
+the site (no checkmark
+is displayed in the
+Public column)
+
+Required if Utility Type
+is Water and Utility
+Ownership is Non-
+Public
+
+Allowable
+Answers / Format
+
+Choose one or
+more allowable
+answers from
+table (Electricity
+Source)
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+Yes | No
+
+Choose one or
+more allowable
+answers from
+table (Water
+Source)
+
+Definition / Additional Guidance
+
+Electricity Source: The delivery method of electricity to the property.
+•
+Battery Storage
+•
+Permanent Generator
+•
+Solar
+• Wind
+•
+
+Other (Describe)
+
+Sewer System
+•
+Cesspool
+•
+Septic
+•
+Other (Describe)
+
+Public Sewer Available Not Connected
+•
+•
+
+Yes (Public sewer available not connected)
+No (Public sewer not available)
+
+Reference the appropriate government agency appraisal guidelines for more
+information.
+
+Cistern
+Hauled Water Holding Tank
+Lake or Spring
+
+Water Source: The source of water for the property.
+•
+•
+•
+• Well
+•
+
+Other (Describe)
+
+4.072
+4.078
+4.084
+4.090
+4.096
+
+Electricity
+Gas
+Sanitary Sewer
+Water
+Other (Describe)
+
+Required for each
+utility that is
+connected to the site
+when Utility
+Ownership is Non-
+Public
diff --git a/chunks/txt/447f9e8f302638b857e820ee973a52d364dac2186638e755f9c13adc79d9971e.txt b/chunks/txt/447f9e8f302638b857e820ee973a52d364dac2186638e755f9c13adc79d9971e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..621de8353a4302434afab8c1e1309cf7b72c5b73
--- /dev/null
+++ b/chunks/txt/447f9e8f302638b857e820ee973a52d364dac2186638e755f9c13adc79d9971e.txt
@@ -0,0 +1,118 @@
+Current Owner of Public Record
+Contract Price
+Listing Status
+
+Property Valuation Method
+Appraiser Name
+
+Traditional Appraisal
+Amy Appraiser
+
+Property Description
+
+Construction Method
+Attachment Type
+Structure Design
+
+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?
+
+Zoning Compliance
+
+Legal
+
+Site Built
+Attached
+Rowhouse/Townhouse
+
+Overall Quality
+Overall Condition
+
+Q3
+C3
+
+Yes No
+
+
+
+
+
+
+Yes No
+
+
+This is where the Subject Property photo would display.
+
+Apparent Defects, Damages, Deficiencies Requiring Action
+
+The items listed below represent the As Is condition as of the effective date of this report
+
+Feature
+Dwelling Exterior
+
+Exterior Walls and Trim
+
+Location
+
+Description
+
+Lower right corner of
+rear wall
+
+Possible termite infestation
+
+Mechanical System
+
+Below grade area
+
+The hot water heater is not operational. No
+hot water.
+
+As Is Overall Condition Rating
+
+C4
+
+Existing condition of the property as of the effective date of this
+appraisal, excluding all required repairs, alterations, or inspections
+
+Affects Soundness or
+Structural Integrity
+
+Recommended
+Action
+
+No
+
+No
+
+Inspection
+
+Repair
+
+Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 2 of 22
+
+NEW PG!
+
+Assignment Information
+
+Assignment Reason
+Borrower Name
diff --git a/chunks/txt/4483938b50d48a69933c5a86a21a5b0e042dc021f54165312a0cddd4cb2bc8b1.txt b/chunks/txt/4483938b50d48a69933c5a86a21a5b0e042dc021f54165312a0cddd4cb2bc8b1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..575cc5814e25682b1751c59d82e01b9e85aa4b46
--- /dev/null
+++ b/chunks/txt/4483938b50d48a69933c5a86a21a5b0e042dc021f54165312a0cddd4cb2bc8b1.txt
@@ -0,0 +1,65 @@
+Intended Use (H1)
+
+• Text sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs.
+
+Additional Intended Use (H2)
+
+•
+
+“Additional Intended Use cannot be contrary to the original Intended Use.” sets as TXC-I Myriad Pro Italic
+x 45 picas.
+
+• Text sets as TXC x 45 picas.
+
+Intended User (H1)
+
+• Text sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs.
+
+Additional Intended Users (H2)
+
+•
+
+“Additional Intended Users cannot be contrary to the original Intended User.” sets as TXC-I Myriad Pro
+Italic x 45 picas.
+
+• Text sets as TXC x 45 picas.
+
+Certifications
+
+•
+
+“Certifications” sets as TAB.
+
+Appraiser Certifications (H1)
+
+• Text sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs.
+
+• Numbered items set as TXC-NP Myriad Pro x 45 picas, 5 points extra space between paragraphs.
+
+o Numbers set Myriad Pro Bold, followed by a period to text.
+
+•
+
+“Description of Prior Services:” (Certification #15) aligns left with text above and sets as TXC-NPI-B Myriad
+Pro Bold (lead in to Myriad Pro Regular text) X 45 picas.
+
+Additional Appraiser Certifications (H2)
+
+•
+
+“Additional Appraiser Certifications cannot be contrary to the original Appraiser Certifications.” sets as
+TXC-I Myriad Pro Italic x 45 picas.
+
+Appendix E: Report Style Guide
+
+Page 83 of 90
+
+Version 1.4
+
+• Numbered items set as TXC-NP Myriad Pro x 45 picas, 5 points extra space between paragraphs.
+
+o Numbers set Myriad Pro Bold, followed by a period to text.
+
+Supervisory Appraiser Certifications (H1)
+
+• Text sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs.
diff --git a/chunks/txt/448e8ecdd531fcaecbfb9153cac6944628442925d6e71a0be7f36e70be1deae5.txt b/chunks/txt/448e8ecdd531fcaecbfb9153cac6944628442925d6e71a0be7f36e70be1deae5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7336b06b65a2b71ae77b8e269617db94f227975d
--- /dev/null
+++ b/chunks/txt/448e8ecdd531fcaecbfb9153cac6944628442925d6e71a0be7f36e70be1deae5.txt
@@ -0,0 +1,30 @@
+Accessory dwelling units and
+manufactured homes
+
+Preventing, detecting and
+reporting mortgage fraud
+clarifications
+
+ B5-3.2-04, HomeStyle Renovation Mortgages: Costs and Escrow Accounts
+
+ B2-1.4-02, Adjustable-Rate Mortgages (ARMs)
+
+ B4-2.3-01, Eligibility Requirements for Units in PUD Projects
+
+ B5-2-02, Manufactured Housing Loan Eligibility
+
+ B5-2-03, Manufactured Housing Underwriting Requirements
+
+ B5-2-04, Manufactured Housing Pricing, Mortgage Insurance, and Loan
+
+Delivery Requirements
+
+ B5-2-05, Manufactured Housing Legal Considerations
+
+ B8-2-02, Special-Purpose Security Instruments
+
+ A3-2-01, Compliance with Laws
+
+ A3-4-03, Preventing, Detecting, and Reporting Mortgage Fraud
+
+© 2025 Fannie Mae SEL-2025-10 Page 4 of 4
diff --git a/chunks/txt/448f76ac0f9e3250ef9278b89d28511732885bbc7636ef83dd85493a75c698c9.txt b/chunks/txt/448f76ac0f9e3250ef9278b89d28511732885bbc7636ef83dd85493a75c698c9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..80e8110700983f8e6b73e045a6fddd1333d0afeb
--- /dev/null
+++ b/chunks/txt/448f76ac0f9e3250ef9278b89d28511732885bbc7636ef83dd85493a75c698c9.txt
@@ -0,0 +1,38 @@
+MortgageModificationIndic
+ator = “true” and
+LoanStateDate = Date
+data retrieved from
+submitter’s system
+
+If a convertible loan (indicated by a value of “true” for the ConvertibilityIndicator
+in the “AtClosing” LOAN container), has converted prior to delivery, the
+ConvertibleStatusType in the “Current” LOAN container will have a value of
+“Exercised” as a signal to expect the “AtConversion” container.
+
+The AtConversion container holds information about loans that have changed as a
+result of the conversion from either biweekly to monthly payment frequency or
+from an adjustable to fixed note rate. Business partners must submit the original
+note information in the LOAN container with a LoanStateType of “AtClosing” and
+an additional LOAN container with a LoanStateType of “AtConversion” to provide
+the relevant information about how the loan terms have changed as a result of the
+conversion. As with all loan deliveries, the “Current” LOAN container must be
+submitted as well.
+
+If the a convertible loan was modified prior to delivery, and the borrower
+subsequently exercised the conversion option, business partners need not submit
+information about the modification; simply submit the data for the original loan in
+“AtClosing” and the accurate information about the loan as converted in
+“AtConversion.”
+
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 39 of 76
+
+Section IV. Using the MISMO V3.0 Reference Model
+
+Figure IV-10. LOAN Containers Required for Converted Loans.
+
+Subject Loan / At
+Closing
diff --git a/chunks/txt/44bdedd4b36f029fc6ac96b7a7e05485a849483c75f433d54fa96a036f04d511.txt b/chunks/txt/44bdedd4b36f029fc6ac96b7a7e05485a849483c75f433d54fa96a036f04d511.txt
new file mode 100644
index 0000000000000000000000000000000000000000..937e756cba8d8af9f9b8d1be1304315f079a5625
--- /dev/null
+++ b/chunks/txt/44bdedd4b36f029fc6ac96b7a7e05485a849483c75f433d54fa96a036f04d511.txt
@@ -0,0 +1,139 @@
+420
+
+3
+
+81
+
+SALES
+COMPARISON
+APPROACH
+
+Quality of Construction
+
+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
+
+2
+
+Enumerated
+
+Allowable Values
+Q1
+Q2
+Q3
+Q4
+Q5
+Q6
+
+CR
+
+CR
+
+CR
+
+T
+
+T
+
+T
+
+CR
+
+CR
+
+CR
+
+R
+
+R
+
+R
+
+421
+
+3
+
+82
+
+SALES
+COMPARISON
+APPROACH
+
+Quality of Construction
+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='Quality']/@_Amount
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+
+10
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+The sum of this field 3-82 and fields (3-
+60, 3-62, 3-64, 3-66, 3-68, 3-70, 3-72,
+3-74, 3-76, 3-78, 3-80, 3-84, 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
+
+Form FNM 1073 FRE 465
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 117 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
diff --git a/chunks/txt/44c137788ef0a9607f98e26379c0a590ff26ebc408e919792026ba8cb15edd21.txt b/chunks/txt/44c137788ef0a9607f98e26379c0a590ff26ebc408e919792026ba8cb15edd21.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b4127ffda33887675d78b76318116fe650f709b6
--- /dev/null
+++ b/chunks/txt/44c137788ef0a9607f98e26379c0a590ff26ebc408e919792026ba8cb15edd21.txt
@@ -0,0 +1,267 @@
+$2,700
+
+$2,600
+
+$2.00
+
+$2,500
+
+$2,550
+
+$2.48
+
+$2,600
+
+$2,650
+
+$2.14
+
+$2,550
+
+$2,600
+
+$2.25
+
+$2,700
+
+$2,600
+
+$2.00
+
+$2,500
+
+$2,550
+
+$2.48
+
+$2,600
+
+$2,650
+
+Comparable Weight
+
+Most
+
+Less
+
+Most
+
+Most
+
+Less
+
+Most
+
+Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 21 of 26
+Page 21 of 26
+
+Rental Information (continued)
+
+Proximity to Subject
+
+Floor Number
+
+Interior Condition
+
+Bedrooms
+
+Baths - Full | Half
+
+Finished Area
+
+Subject
+Unit C
+
+2
+
+C3
+
+2
+
+2 | 0
+
+#2
+3 Miles N
+
+2
+
+C3
+
+2
+
+2 | 0
+
+Comparables
+#4
+
+#6
+
+Subject
+Unit D
+
+4.5 Miles S
+
+3.5 Miles E
+
+#2
+3 Miles N
+
+Comparables
+#4
+
+#6
+
+4.5 Miles S
+
+3.5 Miles E
+
+2
+
+C4
+
+2
+
+2 | 0
+
+2
+
+C3
+
+2
+
+2 | 0
+
+2
+
+C3
+
+2
+
+2 | 0
+
+2
+
+C3
+
+2
+
+2 | 0
+
+2
+
+C4
+
+2
+
+2 | 0
+
+2
+
+C3
+
+2
+
+2 | 0
+
+1,190 Sq. Ft.
+
+1,200 Sq. Ft.
+
+1,250 Sq. Ft.
+
+1,050 Sq. Ft.
+
+1,190 Sq. Ft.
+
+1,200 Sq. Ft.
+
+1,250 Sq. Ft.
+
+1,050 Sq. Ft.
+
+Vehicle Storage | Spaces
+
+Carport | 1
+Driveway | 1
+
+Similar
+
+Similar
+
+Similar
+
+Carport | 1
+Driveway | 1
+
+Similar
+
+Similar
+
+Similar
+
+Amenities
+
+Summary
+
+Rent Per Finished Area
+
+Actual Rent
+
+Adjusted Rent
+
+Opinion of
+Market Rent
+
+Balcony
+
+Balcony
+
+None
+
+Balcony
+
+Balcony
+
+Balcony
+
+None
+
+Balcony
+
+$2.10
+
+$2,500
+
+$2,600
+
+$2.25
+
+$2,700
+
+$2,600
+
+$2.00
+
+$2,500
+
+$2,575
+
+$2.48
+
+$2,600
+
+$2,650
+
+$2.18
+
+$2,600
+
+$2,600
+
+$2.25
+
+$2,700
diff --git a/chunks/txt/44c4c19301ded89fba2ff4d550a018b1c58423c694f92656ec338d8becd55208.txt b/chunks/txt/44c4c19301ded89fba2ff4d550a018b1c58423c694f92656ec338d8becd55208.txt
new file mode 100644
index 0000000000000000000000000000000000000000..92569c8e56a9adbcf4b8486222843f8ea066c242
--- /dev/null
+++ b/chunks/txt/44c4c19301ded89fba2ff4d550a018b1c58423c694f92656ec338d8becd55208.txt
@@ -0,0 +1,136 @@
+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
+
+156
+
+157
+
+1
+
+1
+
+149
+
+150
+
+PROJECT
+INFORMATION
+
+Project (Parking)
+Ratio (spaces/units)
+
+PROJECT
+INFORMATION
+
+Project (Parking)
+Type
+
+Project Car Storage
+Spaces To Units
+Ratio Number
+
+Project Car Storage
+Description
+
+Specifies the ratio of the total number of
+parking spaces to the number of units in
+the project.
+Specifies the details, condition,
+restrictions, proximity, etc. of car storage
+for the entire project.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_CAR_STORA
+GE/@_SpacesToUnitsRatioNumber
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_CAR_STORA
+GE/@_Description
+
+17
+
+45
+
+4
+
+3
+
+17
+
+17
+
+17
+
+1
+
+4
+
+25
+
+20
+
+20
+
+20
+
+20
+
+20
+
+Enumerated
+
+UAD Instruction - Refer to Appendix D Project Information Section
+If the project includes more than one design type, this field indicates the design type
+that applies to the subject unit, and the appraiser may indicate the other design types in
+the addendum.
+
+One and only one selection from fields 1-
+132, 1-133, 1-134, 1-135, 1-136, 1-137
+(values of Project Design Type) should be
+indicated.
+
+String
+
+UAD Instruction - Refer to Appendix D Project Information Section
+
+This field should be populated if and only if
+field 1-137 (Project Design Type = 'Other')
+is indicated.
+
+Numeric
+
+Numeric
+
+Enumerated
+
+Enumerated
+
+Enumerated
+
+Boolean
+
+Date/Time
+
+String
+
+String
+
+String
diff --git a/chunks/txt/44d8affe4a44569f8048002f335dc37956f40d082a7d97b4f8215a473cb58f94.txt b/chunks/txt/44d8affe4a44569f8048002f335dc37956f40d082a7d97b4f8215a473cb58f94.txt
new file mode 100644
index 0000000000000000000000000000000000000000..90de753db3feef62af649fa012451e57f14031bd
--- /dev/null
+++ b/chunks/txt/44d8affe4a44569f8048002f335dc37956f40d082a7d97b4f8215a473cb58f94.txt
@@ -0,0 +1,70 @@
+Allowable Answer
+
+Pedestrian Only Access
+
+Private Airstrip
+
+Private Street
+
+Public Street
+
+Waterway
+
+Primary Access to Property (Choose one)
+
+Definition / Additional Guidance
+
+Indicates the property is landlocked and can only be accessed by foot (e.g., walking, hiking) and cannot be accessed by any
+other method. An easement is typically required to access the property.
+Note: Choose this answer for situations in which there is a street giving access to the subject property that has been
+converted to pedestrian-only access and is the only access.
+
+Note: Do not include airstrips that serve a project or community. These are reported in Common Amenities / Services
+(18.012).
+
+Note: Do not choose this answer for pedestrian-only streets.
+
+Note: Do not choose this answer for pedestrian-only streets.
+
+Other (Describe)
+
+Select Other to enter an answer that is not in the above list.
+
+Appendix F-1: URAR Reference Guide
+
+Page 60 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+04 Site
+
+Allowable Answer
+
+Definition / Additional Guidance
+
+Street Type (Choose all that apply)
+
+Alley
+
+Arterial Street
+
+Collector Street
+
+Cul-de-sac
+
+Dead End
+
+Local Road
+
+Rural Road
+
+A typically narrow passageway between buildings or residences that is designed to provide access to the property but not
+meant for use as a local road.
+
+A high-capacity road primarily designed to provide routes from city to city; features divided lanes and high to moderate
+rates of speed, limited and controlled pedestrian access (e.g., state or county highway).
+
+A moderate-capacity road designed to link to arterial roads and collect traffic from local roads; may feature divided lanes,
+moderate rates of speed, and controlled pedestrian access.
diff --git a/chunks/txt/44d97d355c5aefc925e9020c6bf0850a340b2b8fbb5ca8289d6bdc28e9b634a2.txt b/chunks/txt/44d97d355c5aefc925e9020c6bf0850a340b2b8fbb5ca8289d6bdc28e9b634a2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5736ba8de216c42254d3298cdbc6812680d061d1
--- /dev/null
+++ b/chunks/txt/44d97d355c5aefc925e9020c6bf0850a340b2b8fbb5ca8289d6bdc28e9b634a2.txt
@@ -0,0 +1,68 @@
+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 19 of 22
+Page 19 of 22
+
+Reconciliation (continued)
+
+Apparent Defects, Damages, Deficiencies
+
+The items listed below represent the As Is condition as of the effective date of this report
+
+Feature
+Unit Interior
+
+Location
+
+Description
+
+Affects Soundness or
+Structural Integrity
+
+Recommended
+Action
+
+Walls and Ceiling
+
+Bedroom
+
+Subject Property Amenities
+
+Peeling paint was observed in one of the
+bedrooms of unit. Appears to be typical
+deferred maintenance.
+
+No
+
+Balcony
+
+Adjacent to Living Room Balcony is functional, but shows overall age
+
+No
+
+None
+
+None
+
+and some deferred maintenance, mainly
+from the cracking of concrete. The condo
+association has systematically been moving
+throughout the building and making repairs
+as needed throughout all unit balconies.
+
+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 20 of 22
+Page 20 of 22
+
+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.
diff --git a/chunks/txt/44db71b5fa168c87c83c078e9d2a44a83dd3e91bf1d1443376831f29a431a03c.txt b/chunks/txt/44db71b5fa168c87c83c078e9d2a44a83dd3e91bf1d1443376831f29a431a03c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..608358028f460e5d9fe27972ea08ebb31cfa3581
--- /dev/null
+++ b/chunks/txt/44db71b5fa168c87c83c078e9d2a44a83dd3e91bf1d1443376831f29a431a03c.txt
@@ -0,0 +1,124 @@
+Note: Race and the racial composition of the neighborhood are not appraisal factors.
+
+Neighborhood Characteristics
+
+Location Urban
+53
+ Over 75%
+Built-Up
+56
+ Rapid
+Growth
+59
+Neighborhood Boundaries 83
+
+Suburban
+54
+ 25–75%
+57
+ Stable
+60
+
+Neighborhood Description 84
+
+Rural
+Property Values Increasing
+55
+ Under 25% Demand/Supply Shortage
+58
+ Slow
+61
+
+Condominium Unit Housing Trends
+ Declining
+ Stable
+64
+63
+ In Balance Over Supply
+66
+67
+ Over 6 mths
+ 3–6 mths
+69
+70
+
+65
+ Under 3 mths
+68
+
+Marketing Time
+
+62
+
+Condominium Housing Present Land Use %
+
+PRICE
+$ (000)
+
+AGE
+(yrs)
+
+71 Low 74
+ 72 High 75
+ 73 Pred. 76
+
+77 %
+One-Unit
+2-4 Unit
+78 %
+Multi-Family 79 %
+80 %
+Commercial
+82 %
+Other
+
+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
+ No Zoning
+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
+
+92
+ Illegal (describe) 98
+97
+
+Zoning Description 91
+
+Density 88
+
+View e-5; e-6; e-7
+
+100
+
+94
+
+93
+
+99
+
+95
+
+105
+
+102
+
+Utilities
+Public Other (describe)
+ 104
+Electricity
+103
+ 107
+Gas
+106
+111
+FEMA Special Flood Hazard Area Yes No FEMA Flood Zone 122
+120
+Are the utilities and off-site improvements typical for the market area? Yes No If No, describe 127
+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/44e953b7b0ad93710fcf248adae66715983ae9e0c753e83caa3413b482e483c5.txt b/chunks/txt/44e953b7b0ad93710fcf248adae66715983ae9e0c753e83caa3413b482e483c5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bd6bbcef5d89686464b0a22ce8fc25ce8bf1455b
--- /dev/null
+++ b/chunks/txt/44e953b7b0ad93710fcf248adae66715983ae9e0c753e83caa3413b482e483c5.txt
@@ -0,0 +1,78 @@
+Left-hand side of page
+
+•
+
+•
+
+“Type” sets as TXR-B, TXR
+
+“Date” sets as TXR-B, TXR
+
+Right-hand side of page
+
+•
+
+“Result” sets as TXR-B, TXR
+
+“Reconsideration of Value Commentary” sets as TXC-B x 45 picas (bold lead in to Myriad Pro Regular text).
+
+Supplemental Information Exhibits (H1)
+
+“Supplemental Information” sets as TAB. Section does not display if there are no exhibits.
+
+• Starts new page
+
+• Subsection starts with text; TAB sets elsewhere; see below
+
+• Content sets as TXC Myriad Pro x 45 picas
+
+Scope of Work (H1)
+
+• Content sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs.
+
+Additional Scope of Work (H2)
+
+•
+
+“Additional Scope of Work cannot be contrary to the original Scope of Work.” sets as TXC-I
+Myriad Pro Italic x 45 picas
+
+• Text sets TXC x 45 picas
+
+Intended Use (H1)
+
+• Text sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs
+
+Appendix E: Report Style Guide
+
+Page 77 of 90
+
+Version 1.4
+
+Additional Intended Use (H2)
+
+•
+
+“Additional Intended Use cannot be contrary to the original Intended Use.” sets as TXC-I
+Myriad Pro Italic x 45 picas
+
+• Text sets TXC x 45 picas
+
+Intended User (H1)
+
+• Text sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs
+
+Additional Intended Users (H2)
+
+•
+
+“Additional Intended Users cannot be contrary to the original Intended User.” sets as TXC-I
+Myriad Pro Italic x 45 picas
+
+• Text sets TXC x 45 picas
+
+Definition of Market Value (H1)
+
+• Text sets as TXC Myriad Pro x 45 picas, 5 points extra space between paragraphs
+
+• Footnote text sets as FN, 8/10 Myriad Pro Regular x 45 picas; 5 points additional space above
diff --git a/chunks/txt/44ea7a52106c98c937ff0f2c5de9a4cd311c4ea44a08ee8a5b0e5bc83da08c2b.txt b/chunks/txt/44ea7a52106c98c937ff0f2c5de9a4cd311c4ea44a08ee8a5b0e5bc83da08c2b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9d15e39062ab456d9003ae89b6476dfee9ed5dd0
--- /dev/null
+++ b/chunks/txt/44ea7a52106c98c937ff0f2c5de9a4cd311c4ea44a08ee8a5b0e5bc83da08c2b.txt
@@ -0,0 +1,38 @@
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 116 of 166
+
+UAD 3.6 Policy
+
+SB4-1.4-08, Apparent Environmental Conditions (06/04/2025)
+
+Introduction
+
+This topic contains information on special appraisal considerations for properties affected by environmental conditions,
+including:
+
+• Overview
+• Appraisal Requirements
+•
+Lender Requirements
+
+Overview
+
+Fannie Mae purchases or securitizes mortgage loans secured by properties affected by environmental conditions if the effect of
+the condition is measurable through an analysis of comparable market data as of the effective date of the appraisal report, and
+the appraiser reflects in the appraisal report any adverse effect that the apparent environmental condition has on the value and
+marketability of the subject property or indicates that the comparable market data reveals no buyer resistance to the apparent
+environmental condition.
+
+In rare situations, a particular environmental condition may have a significant effect on the value of the subject property,
+although the actual effect is not measurable because the contamination (hazard or nuisance) is so serious or so recently
+discovered that an appraiser cannot develop a reliable opinion of market value because there is no comparable market data
+available, such as sales, contract sales, or active listings that are available to reflect the effect of the environmental condition. In
+such cases, the loan is not eligible for sale to Fannie Mae.
+
+Appraisal Requirements
+
+When the appraiser has knowledge of an apparent environmental condition that impacts the value and marketability of the
+property, whether it exists onsite, offsite, or on a bordering site (including but not limited to, the presence of hazardous
+substances, soil or water contamination, radon, underground storage tanks, or a superfund site), the appraiser in the site
+influence table within the Site section of the Uniform Residential Appraisal Report (URAR) must
diff --git a/chunks/txt/44eb998a84b3ba6c4da86eb5a405f170550759e72eb89d7cd14e35a55cd0eece.txt b/chunks/txt/44eb998a84b3ba6c4da86eb5a405f170550759e72eb89d7cd14e35a55cd0eece.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bed5f476e8d7acce834b31b129e3410fb70b9341
--- /dev/null
+++ b/chunks/txt/44eb998a84b3ba6c4da86eb5a405f170550759e72eb89d7cd14e35a55cd0eece.txt
@@ -0,0 +1,189 @@
+AssessorRecord
+
+MLS
+
+PhysicalMeasurement
+
+134710
+
+MLS
+
+133832
+
+MLS
+
+134531
+
+MLS
+
+XYZ Housing Data
+
+456 Something Rd
+
+Somewhere
+
+Fabricated
+
+12345
+
+VA
+
+400
+
+Detached
+
+Carport
+
+2
+
+\\Images\SF4_Carport.png
+
+image/png
+
+Driveway
+
+Asphalt
+
+4
+
+false
+
+\\Images\SF4_Carport.png
+
+image/png
+
+528
+
+Attached
+
+Garage
+
+2
+
+\\Images\SF4_Garage.png
+
+image/png
+
+None
+
+true
+
+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.
+
+false
+
+true
+
+Neutral
+
+HERS
+
+RESNET
+
+65
+
+Home Energy Score
+
+DOE
+
+7
+
+Leased
+
+Solar
+
+None
+
+None
+
+false
+
+true
+
+false
+
+Dwelling
+
+false
+
+1979
+
+false
+
+None
+
+Carpet
+
+Updated 5 years ago
+
+TypicalWearAndTear
+
+Standard grade
+
+CeramicTile
+
+Updates in the last 1-5 years
+
+TypicalWearAndTear
+
+Standard grade with some upgraded
+
+EngineeredWood
+
+Well-maintained
+
+TypicalWearAndTear
+
+Standard grade
+
+Vinyl
+
+Updated 5 years ago
+
+TypicalWearAndTear
+
+Standard grade
+
+Carpets, Tile, Hardwood
+
+Flooring
+
+ModeratelyUpdated
+
+No damage or condition issues noted
+
+TypicalWearAndTear
+
+Standard grade
+
+Standard 8-9 Ft. Ceilings
+
+WallsAndCeiling
+
+EightFeet
+
+NineFeet
+
+Flat
+
+No damage or condition issues noted
+
+TypicalWearAndTear
+
+Below grade area has a custom brick wet bar that includes wood countertops.
+
+Other
+
+Wet bar with custom brick work has been added as a unique interior feature.
+
+Wet Bar
+
+InteriorAndExteriorAccess
+
+WalkOut
+
+PartiallyBelowGrade
+
+640
+
+BelowGradeOne
diff --git a/chunks/txt/44f9eaa24d0f443663f0e7d722ecbdea5300c0e9f803ad33f744c7a0532d3a15.txt b/chunks/txt/44f9eaa24d0f443663f0e7d722ecbdea5300c0e9f803ad33f744c7a0532d3a15.txt
new file mode 100644
index 0000000000000000000000000000000000000000..aea436b20f6ea0eaa349c2e16fa6e77195f91ea4
--- /dev/null
+++ b/chunks/txt/44f9eaa24d0f443663f0e7d722ecbdea5300c0e9f803ad33f744c7a0532d3a15.txt
@@ -0,0 +1,44 @@
+• When “false”, display "Well does not meet distance requirements"
+
+o When GovernmentAgencyAppraisalType (UID: 1000.0121, FID: 2.008) = "FHA" AND
+PublicWaterUtilityAvailableNotConnectedIndicator (UID: 1500.0168, FID: 4.090)
+
+▪ When “true”, display “Public water available not connected”
+▪ When “false”, display “Public water not available”
+
+o Other
+▪
+
+If UtilityType (UID: 1500.0104, FID: 4.093) = “Other”:
+
+• UtilityTypeOtherDescription (UID: 1500.0105, FID: 4.093) the description displays
+
+o
+
+If there are multiple UtilityType = “Other”, display each instance in a new row
+
+• When UtilitySharedIndicator (UID: 1500.0103, FID: 4. 096) = “true”, display “(Shared)” in same cell.
+
+• When UtilitySharedIndicator (UID: 1500.0103, FID: 4. 096) = “false”, do not display
+
+• Private Utility Impact - ValueMarketabilityImpactType (UID: 1500.0183, FID: 4.073, 4.079, 4.085, 4.091, 4.097)
+
+o Displays when SiteUtilityOwnershipType = "NonPublic"
+
+• Comment – SiteUtilityDescription (UID: 1500.0132, FID: 4.080, 4.074, 4.086, 4.092, 4.098) (Figure 4 - 10)
+
+o Displays when (SiteUtilityOwnershipType = "NonPublic" AND ValueMarketabilityImpactType = "Adverse") OR Exists
+o
+
+If “Public” and “Non-Public” comments are received for the same utility, comments display concatenated within the same cell.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Figure 4 - 10
+
+Page 133
+
+Apparent Defects, Damages, Deficiencies (Site)
+
+The appraiser must report any significant adverse issue(s) pertaining to the site. Appraisers should reference the appropriate government
+agency appraisal guidelines for specific requirements.
diff --git a/chunks/txt/4504bb0ca7711148f120c5cad6d33fc359dc721c1c5236129fef11120d50f99d.txt b/chunks/txt/4504bb0ca7711148f120c5cad6d33fc359dc721c1c5236129fef11120d50f99d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f9501281b16b9a57c340eb9c2a4653545a3fca60
--- /dev/null
+++ b/chunks/txt/4504bb0ca7711148f120c5cad6d33fc359dc721c1c5236129fef11120d50f99d.txt
@@ -0,0 +1,66 @@
+/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
+
+25
+
+1
+
+1
+
+Boolean
+
+Boolean
+
+String
+
+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.
+
+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.
+
+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 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 gas service is present, enter 'None' in the description field.
+
+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/4504ef65ecab03c1f09dc066f520890f597625f8608b8dfa56d14e6e5c784d27.txt b/chunks/txt/4504ef65ecab03c1f09dc066f520890f597625f8608b8dfa56d14e6e5c784d27.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c454f986b0434e7507a9a980ade102e2c3cd4bfa
--- /dev/null
+++ b/chunks/txt/4504ef65ecab03c1f09dc066f520890f597625f8608b8dfa56d14e6e5c784d27.txt
@@ -0,0 +1,101 @@
+PDF Display Format:
+Whole dollars only.
+
+UAD Instruction - Refer to Appendix D Improvements 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
+
+This field is required if the value of field e-6
+(GSE View Type) is ‘Other’.
+
+The sum of this field 2-65 and fields (2-53, 2-
+55, 2-57, 2-59, 2-61, 2-63, 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, 2-94, 2-96, 2-98, 2-100) must add up
+to Net Adjustment field 2-103.
+
+The sum of this field 2-67 and fields (2-53, 2-
+55, 2-57, 2-59, 2-61, 2-63, 2-65, 2-69, 2-71, 2-
+73, 2-74, 2-78, 2-80, 2-82, 2-84, 2-86, 2-88, 2-
+90, 2-92, 2-94, 2-96, 2-98, 2-100) must add up
+to Net Adjustment field 2-103.
+
+CR
+
+CR
+
+T
+
+CR
+
+R
+
+Form FNM 2055 FRE 2055
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 196 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
+
+307
+
+2
+
+69
+
+SALES
+COMPARISON
+APPROACH
+
+Quality of Construction
+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.
diff --git a/chunks/txt/450e3fed3916295fc99339777fa8a641850c2b17a143867f33d77ca2025c97a6.txt b/chunks/txt/450e3fed3916295fc99339777fa8a641850c2b17a143867f33d77ca2025c97a6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cbc6d2c401c96ea2f70702731051061bb53d3a80
--- /dev/null
+++ b/chunks/txt/450e3fed3916295fc99339777fa8a641850c2b17a143867f33d77ca2025c97a6.txt
@@ -0,0 +1,30 @@
+5. I stated my own personal, unbiased, and professional analyses, opinions, and conclusions, which are subject only to the assumptions and
+limiting conditions herein.
+
+6. 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.
+
+6. 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.
+
+Description:
+
+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.
+
+Additional Appraiser Certifications
+
+Additional Appraiser Certifications cannot be contrary to the original Appraiser Certifications.
+1.
+
+Supervisory Appraiser Certifications
+
+The Supervisory Appraiser certifies and agrees that:
+
+1. I have no present or prospective interest in the subject property, 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 subject property, or the demographics
+of the area where the property is located.
diff --git a/chunks/txt/455cbaec95febbad09727f41410fe54a82928da54d50b23c45bdecc6b60d83da.txt b/chunks/txt/455cbaec95febbad09727f41410fe54a82928da54d50b23c45bdecc6b60d83da.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bcebdd8114b272d04155536852f0510ab9a788ec
--- /dev/null
+++ b/chunks/txt/455cbaec95febbad09727f41410fe54a82928da54d50b23c45bdecc6b60d83da.txt
@@ -0,0 +1,104 @@
+Page 246 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+V. Consolidated Mapping Guidance
+
+Topic
+
+Guidance
+
+Table 160. Consolidated Mapping Guidance
+
+Choice Group: A PARTY can
+be either an individual
+(person) or a company
+(legal entity) but not both
+
+PARTY mapping rules are the same regardless of transaction purpose or loan product.
+
+PARTY NAME –
+IN DIVIDUAL
+
+A party is classified as an individual (a person) using the INDIVIDUAL child container. For
+individuals, the NAME container conveys each party’s first, middle, last and suffix names.
+
+FullName is not
+used in UCD for
+Individuals
+
+PARTY NAME –
+L EGAL_ENTITY
+
+A party is classified as a legal entity (a non-individual such as a company or trust) using the
+LEGAL_ENTITY child container of PARTY. For legal entities, LEGAL_ENTITY_DETAIL is used to
+provide the full, unparsed name of the legal entity.
+
+Appendix E: UCD Implementation Guide
+
+Page 247 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+V. Consolidated Mapping Guidance
+
+Topic
+
+Guidance
+
+Table 160. Consolidated Mapping Guidance
+
+PARTY ROLE TYPE
+
+The value provided for Party Role Type in the ROLE_DETAIL container under
+PARTY/ROLES/ROLE/ROLE_DETAIL specifies the type of party involved in the transaction. In
+UCD, the following Party Role Types are used for the associated UCD Form Fields:
+
+Form
+Field ID
+1.4 |
+23.1.5
+
+23.5.5
+
+Form Field Name
+
+Party Role Type Notes
+
+Settlement Agent
+(Name)
+
+“ClosingAgent”
+
+Settlement Agent
+Contact
+
+“ClosingAgent”
+
+2.1
+
+Borrower
+
+2.1
+
+Borrower
+
+2.2
+
+Seller
+
+“Borrower”
+“NonTitleSpouse
+”
+“TitleHolder”
+“Other” +
+PartyRoleTypeOt
+herDescription =
+“NonTitleNon
+SpouseOwnershi
+pInterest”
+“PropertySeller”
diff --git a/chunks/txt/45680666af8b678f406be937ebf9151745545c8271d00f55d32f416d85affb72.txt b/chunks/txt/45680666af8b678f406be937ebf9151745545c8271d00f55d32f416d85affb72.txt
new file mode 100644
index 0000000000000000000000000000000000000000..98f28cf468d526328f6604ed679e0a3657a747f4
--- /dev/null
+++ b/chunks/txt/45680666af8b678f406be937ebf9151745545c8271d00f55d32f416d85affb72.txt
@@ -0,0 +1,103 @@
+b. Legal Description + Postal Code
+
+If additional personal property has been given as collateral to secure the loan, the lender has the option to
+disclose it.
+
+1.0 Closing Information
+
+1.5 File #
+
+CI-3456
+
+1.6 Property
+
+456 Somewhere Avenue, Unit #284
+
+Anytown, ST 12345
+
+Appendix E: UCD Implementation Guide
+
+Page 33 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+1.0 Closing Information
+
+1.7 Sale Price $240,000
+
+Figure 8. Property with Complete Street Address
+
+1. COMPLETE STREET ADDR ESS
+
+If a street address is available for a property, it must be disclosed. A full street address always includes the street
+number and name, city name, 2-letter state abbreviation, and the 5-digit ZIP Code or 9-digit ZIP +4 Code. As
+shown in Table 12, AddressUnitDesignatorType and AddressUnitIdentifier must be included when they make up
+part of the full street address. See ADDRESS, ADDRESS – SUBJECT PROPERTY, and REUSABLE CONTAINERS in
+Section V.
+
+Table 12. Property with Full Street Address
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0 Value
+
+Notes
+
+1.6
+
+Property
+
+…/SUBJECT_PROPER
+TY/ADDRESS
+
+AddressLineText
+
+456 Somewhere
+Avenue
+
+AddressUnitDesignat
+orType
+
+Unit
+
+AddressUnitIdentifie
+r
+
+284
+
+CityName
+
+PostalCode
+
+StateCode
+
+Anytown
+
+12345
+
+ST
+
+2. LEGAL DESCRI PTI ON AN D POSTAL CODE
+
+If the address for the subject property has not yet been established, the legal description of the property and
+the 5-digit ZIP Code or 9-digit ZIP +4 Code must be provided:
+
+1.0 Closing Information
+
+1.5 File #
+
+CI-3456
+
+1.6 Property Lot 32, Block 123, Section 4
+
+12345
diff --git a/chunks/txt/456d72879b2edaaaf4d9ca968b5f7b014fbe64124a50eca133d3100d3caabf21.txt b/chunks/txt/456d72879b2edaaaf4d9ca968b5f7b014fbe64124a50eca133d3100d3caabf21.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0f32474abbfd127e9a047730a950174f624b8b31
--- /dev/null
+++ b/chunks/txt/456d72879b2edaaaf4d9ca968b5f7b014fbe64124a50eca133d3100d3caabf21.txt
@@ -0,0 +1,9 @@
+The dashboard uses loan counts and acquisition UPB aggregated to the 2020 census-tract level. This census-tract level data from the PUDB has been merged with the NRI data. Then, the high-needs county designations from FHFA’s Duty to Serve program are merged into these data. These data include estimated damages from disasters for buildings, population, and agriculture. Thus, locations with more buildings, population, and agriculture will have relatively higher damages. These data do not include insurance coverage and do not necessarily represent potential credit losses for FHFA’s regulated entities.
+
+## **Insights on Hurricanes**
+
+Atlantic Hurricane season starts June 1 and ends November 30. However, most hurricane activity occurs from mid-August to mid-October.[[3]](#ftn3) For 2024, the National Oceanic and Atmospheric Administration (NOAA) predicted an above-normal season with 85 percent probability. NOAA notes that this is “due to a confluence of factors, including near-record warm ocean temperatures in the Atlantic Ocean, [and] development of La Niña conditions in the Pacific” among other factors.[[4]](#ftn4) This blog post evaluates potential risks to loans acquired by the Enterprises and the FHLBanks in 2022 and their hurricane risk exposure. Note that in this dashboard, we only evaluate acquisitions in 2022 rather than the total portfolio of the Enterprises and the FHLBanks. Some loans acquired in 2022 may no longer be active in the Enterprises and the FHLBanks’ books of business in 2024.
+
+## **NRI on Hurricane Risk**
+
+The NRI uses NOAA’s HURDAT2 Best Track Data Archive.[[5]](#ftn5) This dataset includes information on Atlantic and Pacific tropical cyclones, such as geospatial data on the path of previous storms, windspeed, central pressure, and hurricane size. The NRI identifies hurricane exposure based on historic hurricane paths. Then, to calculate historic loss ratios, the NRI incorporates data from SHELDUS at the county level for buildings expected to be impacted by hurricanes.[[6]](#ftn6) Next, the NRI calculates expected annual loses by calculating exposure probability multiplied by frequency multiplied by historic loss ratios.[[7]](#ftn7)
diff --git a/chunks/txt/4585e0cde2b21880da542404d1e6b6a59aba989e8bb49515e21f18bb9f3f186a.txt b/chunks/txt/4585e0cde2b21880da542404d1e6b6a59aba989e8bb49515e21f18bb9f3f186a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4c8bbcd42ff5d660595b2b45c848b1a4dd871e21
--- /dev/null
+++ b/chunks/txt/4585e0cde2b21880da542404d1e6b6a59aba989e8bb49515e21f18bb9f3f186a.txt
@@ -0,0 +1,77 @@
+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'.
+
+Completion Report Commentary
+
+Change in dimension of the door has no measurable impact on the utility of the barn or the subject property.
+
+Completion Report Exhibits
+
+Completed Construction - Constructed Barn
+
+Incomplete or Inconsistent Item - Exterior Barn Door
+
+This is where the Barn photo would display.
+
+This is where the Barn Door photo would display.
diff --git a/chunks/txt/4593dfc5002cdda33a43be84b1ed3e7a953fe13f917a36c66986213bbcef9483.txt b/chunks/txt/4593dfc5002cdda33a43be84b1ed3e7a953fe13f917a36c66986213bbcef9483.txt
new file mode 100644
index 0000000000000000000000000000000000000000..585301d78181cc3b4b48f0b5c3fedcd3d0814c11
--- /dev/null
+++ b/chunks/txt/4593dfc5002cdda33a43be84b1ed3e7a953fe13f917a36c66986213bbcef9483.txt
@@ -0,0 +1,17 @@
+Fannie Mae and Freddie Mac guarantee the payment of principal and interest on their MBS and charges a fee for providing that guarantee. The guarantee fee (g-fee), covers projected credit losses from borrower defaults over the life of the loans, administrative costs, and a return on capital.
+
+## Lender Fees
+
+Lender guarantee fee payments generally take the form of ongoing monthly payments and frequently also include an upfront payment at the time of Enterprise loan acquisition. A lender typically passes through to the borrower the cost of an upfront fee in the form of a slightly higher interest rate on the mortgage, since borrowers tend to choose not to pay points. Ongoing fees are also included in the interest rate charged to the borrower.
+
+## No Difference to Borrowers
+
+Therefore, as a practical matter, whether Fannie Mae or Freddie Mac charge guarantee fees to lenders as ongoing fees or upfront fees typically makes no difference to borrowers.
+
+## [Guarantee Fees Studies](/reports/single-family-guarantee-fees)
+
+Section 1601 of the Housing and Economic Recovery Act of 2008 (HERA) requires us to conduct an ongoing study of the guarantee fees charged by Fannie Mae and Freddie Mac and to submit annual reports to Congress, based on aggregated data collected from the Enterprises, regarding the amount of such fees and the criteria used by the Enterprises to determine them.
+
+## Guarantee Fee Increases
+
+In December 2011, Congress directed FHFA in the Temporary Payroll Tax Cut Continuation Act of 2011 to increase the guarantee fees Fannie Mae and Freddie Mac charge lenders on single-family mortgages by at least an average of 10 basis points.
diff --git a/chunks/txt/459727c4d0d37b87efbb47cdfae40088f2871116efc039788616ac194d1f900e.txt b/chunks/txt/459727c4d0d37b87efbb47cdfae40088f2871116efc039788616ac194d1f900e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9b20748f3f73cc5aaac379e9902be38de3ce99d4
--- /dev/null
+++ b/chunks/txt/459727c4d0d37b87efbb47cdfae40088f2871116efc039788616ac194d1f900e.txt
@@ -0,0 +1,190 @@
+If at least one of fields 1-199, 1-201 is
+indicated (Car Storage Location Type =
+'Garage' or 'Carport', and Car Storage
+Location Exists Indicator = 'Y'), than at least
+one of fields 1-203,1-204,1-205 (types of Car
+Storage Attachment Type) should be indicated.
+If neither of fields 1-199, 1-201 are indicated
+then none of fields 1-203,1-204,1-205 should
+be indicated.
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+R
+
+R
+
+R
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+R
+
+R
+
+R
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+R
+
+R
+
+R
+
+Form FNM 1004 FRE 70
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 47 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
+
+223
+
+224
+
+1
+
+1
+
+217
+
+IMPROVEMENTS
+
+Square Feet of Gross
+Living Area Above
+Grade
+
+Gross Living Area
+Square Feet Count
+
+The total area of all inhabitable
+rooms.
+
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/@GrossLivingAreaSquareFeetCount
+
+5
+
+Numeric
+
+UAD Requirement - Refer to Appendix D Improvements Section
+Specify Above Grade Gross Living Area Only
+Gross Living Area (GLA) must be reported in square feet.
+
+PDF Display Format:
+Whole numbers only.
+
+218
+
+IMPROVEMENTS
+
+Additional features
+(special energy-efficient
+items, etc.)
+
+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='AdditionalFeatu
+res']/@_Comment
diff --git a/chunks/txt/45980e0bc5e89f82cbe3e2eb58d0b6d5cd102d0aa56d87413268f5343b7fbb36.txt b/chunks/txt/45980e0bc5e89f82cbe3e2eb58d0b6d5cd102d0aa56d87413268f5343b7fbb36.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d59532d6a48e252e1730a002fe0b683e9a44b5f8
--- /dev/null
+++ b/chunks/txt/45980e0bc5e89f82cbe3e2eb58d0b6d5cd102d0aa56d87413268f5343b7fbb36.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/reports/single-family-guarantee-fees"
+date_accessed: "2026-01-27T17:54:20.730Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/45abbfb69fe98cad3c320c2e9c6018b94acee6fbb727c4be0a5a73aceef8013a.txt b/chunks/txt/45abbfb69fe98cad3c320c2e9c6018b94acee6fbb727c4be0a5a73aceef8013a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8fb982f04fc5ae4c7dd390e0de8e0d0871a1faeb
--- /dev/null
+++ b/chunks/txt/45abbfb69fe98cad3c320c2e9c6018b94acee6fbb727c4be0a5a73aceef8013a.txt
@@ -0,0 +1 @@
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/34291","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/45b799d5bd5e607bcb3c9c6e21d7d96c58fb069eb8eb74f922a6a4caa7f79aa3.txt b/chunks/txt/45b799d5bd5e607bcb3c9c6e21d7d96c58fb069eb8eb74f922a6a4caa7f79aa3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ea9bacecfa66454def604d3ee739966e1a17b944
--- /dev/null
+++ b/chunks/txt/45b799d5bd5e607bcb3c9c6e21d7d96c58fb069eb8eb74f922a6a4caa7f79aa3.txt
@@ -0,0 +1,49 @@
+/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/@GSEBelowGradeBathroomRoomCount
+
+/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/@GSEBelowGradeOtherRoomCount
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD
+JUSTMENT[@_Type='FunctionalUtility']/@_Description
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD
+JUSTMENT[@_Type='HeatingCooling']/@_Description
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD
+JUSTMENT[@_Type='EnergyEfficient']/@_Description
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD
+JUSTMENT[@_Type='CarStorage']/@_Description
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD
+JUSTMENT[@_Type='PorchDeck']/@_Description
+
+Sale Price
+Adjustment
+Description
+
+Sale Price
+Adjustment
+Description
+
+Sale Price
+Adjustment
+Description
+
+Sale Price
+Adjustment
+Description
diff --git a/chunks/txt/45c2d23c07da3d697f255c5687ae8966cb86fa60bfd8098f6c3ee66d5ed76d4f.txt b/chunks/txt/45c2d23c07da3d697f255c5687ae8966cb86fa60bfd8098f6c3ee66d5ed76d4f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..902b95fca41ff67751a21b476cb52af6d61db1c0
--- /dev/null
+++ b/chunks/txt/45c2d23c07da3d697f255c5687ae8966cb86fa60bfd8098f6c3ee66d5ed76d4f.txt
@@ -0,0 +1,85 @@
+Page 58 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+3.0 Loan Information
+
+ VA
+
+3.5 Loan ID# 123456789
+
+3.6 MIC #
+
+000654321
+
+Figure 29. MIC # - Government Loans
+
+Table 42. MIC # - Government Loans
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point
+
+MISMO v3.3.0
+Value
+
+Notes
+
+3.6
+
+MIC #
+
+…/LOAN_DETAIL
+
+MIRequiredIndicat
+or
+
+true
+
+…/LOAN_IDENTIFIE
+R
+
+LoanIdentifier
+
+000654321
+
+LoanIdentifierType AgencyCase
+
+Not shown –
+indicates need for
+additional data
+points
+
+These data points
+must be used in
+combination
+
+3. FOR MORE I NFORMATI ON
+
+3.0 Reg §1026.38(a)(5) pp. 80121, 80350-51, 80003.
+
+3.1 Reg §1026.38(a)(5)(i) pp. 80121, 80351, 80003; Cross Reference §1026.37(a)(8) pp. 80121, 80331, 80340,
+
+79912.
+
+3.2 Reg §1026.38(a)(5)(ii) pp. 80121, 80003, 80061; Cross Reference §1026.37(a)(9) pp. 80113, 80332, 79913-
+
+79915, 80003.
+
+3.3 Reg §1026.38(a)(5)(iii) pp. 80121, 80003; Cross Reference to §1026.37(a)(10) pp. 80332, 79915, 80003.
+
+3.4 Ref §1026.38(a)(5)(iv), pp. 80121, 80003; Cross Reference to §1026.37(a)(11)(iv), pp. 80114, 80333, 79918.
+
+3.5 Ref §1026.38(a)(5)(iv), pp. 80121, 80351, 80003; Cross Reference to §1026.37(a)(12), pp. 80121, 80333,
+
+79918-19, 80003.
+
+3.6 Ref §1026.38(a)(5)(vi), pp. 80121, 80003-80004.
diff --git a/chunks/txt/45c59ec9c6e3d23c3645e40fd243170d2a20e63ea9fd1a52dc3e1635c64f6feb.txt b/chunks/txt/45c59ec9c6e3d23c3645e40fd243170d2a20e63ea9fd1a52dc3e1635c64f6feb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fb72771a40ee39a108ffc0b44d45aaa1790c1067
--- /dev/null
+++ b/chunks/txt/45c59ec9c6e3d23c3645e40fd243170d2a20e63ea9fd1a52dc3e1635c64f6feb.txt
@@ -0,0 +1,16 @@
+**Residential Mortgage Performance Statistics**
+
+Residential Mortgage Performance Statistics Format Release Date **Quarterly Data (2002 Q1 - 2025 Q3)** All Geographic Areas [[CSV]](/document/nmdb-mortgage-performance-statistics-all-quarterly.zip) 12/30/2025 National, Census Regions, and Census Divisions [[CSV]](/document/nmdb-mortgage-performance-statistics-national-census-areas-quarterly.zip) 12/30/2025 States [[CSV]](/document/nmdb-mortgage-performance-statistics-states-quarterly.zip) 12/30/2025 100 Metro Areas [[CSV]](/document/nmdb-mortgage-performance-statistics-metro-quarterly.zip) 12/30/2025 **Alternate Wide Format Files** Alternate Wide Format Files [[CSV]](/document/nmdb-mortgage-performance-statistics-wide-column-format.zip) 12/30/2025
+
+**Contact**
+If you have any questions or comments about the data or documents, please email [NMDBdata@fhfa.gov](mailto:NMDBdata@fhfa.gov).
+
+*Page last updated: December 30, 2025*
+
+- **Press Release**
+
+[FHFA Releases NMDB Residential Mortgage Dashboard](/news/news-release/fhfa-releases-nmdbr-residential-mortgage-dashboard) (9/27/2024)
+
+[FHFA Releases Data Visualization Dashboard for NMDB Outstanding Residential Mortgage Statistics](/news/news-release/fhfa-releases-data-visualization-dashboard-for-nmdb-outstanding-residential-mortgage-statistics) (7/2/2024)
+
+[FHFA Announces New and Expanded Statistical Products from the National Mortgage Database](/news/news-release/fhfa-announces-new-and-expanded-statistical-products-from-the-national-mortgage-database) (6/30/2021)
diff --git a/chunks/txt/45e1a3dc19eec5accbb2c7e7341e4463db32a38d2d5671f249c0c90606bb26e7.txt b/chunks/txt/45e1a3dc19eec5accbb2c7e7341e4463db32a38d2d5671f249c0c90606bb26e7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..db4164e9dbf9d0ea786e28ba78e932cbee946f81
--- /dev/null
+++ b/chunks/txt/45e1a3dc19eec5accbb2c7e7341e4463db32a38d2d5671f249c0c90606bb26e7.txt
@@ -0,0 +1,152 @@
+The sum of this field 2-78 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, 2-80, 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.
+
+10
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+CR
+
+R
+
+R
+
+CR
+
+R
+
+CR
+
+CR
+
+R
+
+R
+
+R
+
+CR
+
+Form FNM 2055 FRE 2055
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 197 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
+
+318
+
+2
+
+79
+
+SALES
+COMPARISON
+APPROACH
+
+Above Grade Room Count
+Gross Living Area Sq.Ft.
+
+Sale Price
+Adjustment
+Description
+
+319
+
+2
+
+80
+
+SALES
+COMPARISON
+APPROACH
+
+Gross Living Area Sq.Ft.
+Adjustment
+
+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.)
+
+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=‘GrossLivingArea’]/@_Description
+
+6
+
+String
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/SAL
+E_PRICE_ADJUSTMENT[@_Type=‘GrossLivingArea’]/@_Amount
+
+10
+
+Money
+
+320
+
+2
+
+e-18
+
+SALES
+COMPARISON
+APPROACH
+
+Basement & Finished
+
+(Line 1)
+
+GSE Below Grade
+Total Square Feet
+Number
diff --git a/chunks/txt/45e4f58b07279cccb69d84ce5bf6f42ee8bd1a3558a4d0b44e3e5da8cbc4b5d6.txt b/chunks/txt/45e4f58b07279cccb69d84ce5bf6f42ee8bd1a3558a4d0b44e3e5da8cbc4b5d6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3e302f306432bf7b895875f35a42e4deb79e5b7c
--- /dev/null
+++ b/chunks/txt/45e4f58b07279cccb69d84ce5bf6f42ee8bd1a3558a4d0b44e3e5da8cbc4b5d6.txt
@@ -0,0 +1,94 @@
+/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/@
+_CompetitiveProjectComparisonDescription
+
+4000
+
+String
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+Indicates that the project has special,
+atypical, or unusual characteristics.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@
+_SpecialCharacteristicsIndicator='Y']
+
+Indicates that the project has special,
+atypical, or unusual characteristics.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@
+_SpecialCharacteristicsIndicator='N']
+
+1
+
+1
+
+Boolean
+
+Boolean
+
+Project Analysis
+Special
+Characteristics
+Description
+
+A free-form text field describing any
+special, atypical, or unusual
+characteristics of the project.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/@
+_SpecialCharacteristicsDescription
+
+4000
+
+String
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+Unit Charge
+Amount
+Unit Charge
+Amount
+
+Annual assessment charge per
+year per square feet of gross
+living area = $
+
+Unit Charge Per
+Square Foot
+Amount
+
+UNIT
+DESCRIPTION
+
+Utilities included in the unit
+monthly assessment
+None
+
+UNIT
+DESCRIPTION
+
+Utilities included in the unit
+monthly assessment
+Heat
+
+Unit Charge No
+Utilities Included
+In Assessment
+Indicator
+
+Unit Charge Utility
+Included In
+Assessment
+Indicator
+
+The amount the unit is charged every
+period described by Period Type.
+The amount the unit is charged every
+period described by Period Type.
+Assessment charge per square feet of
+gross living area of the unit. This is
+generally used for analysis of unit charges
+in a multiple unit project.
diff --git a/chunks/txt/45eedcc191577d9c1790b17a2211b48cdba4032599509621a4001e2a26c10790.txt b/chunks/txt/45eedcc191577d9c1790b17a2211b48cdba4032599509621a4001e2a26c10790.txt
new file mode 100644
index 0000000000000000000000000000000000000000..481f6d34b51590327319063ba0b960806a5eb4bf
--- /dev/null
+++ b/chunks/txt/45eedcc191577d9c1790b17a2211b48cdba4032599509621a4001e2a26c10790.txt
@@ -0,0 +1,33 @@
+Washington, D.C. – U.S. Federal Housing announced today that the 2026 multifamily loan purchase caps for Fannie Mae and Freddie Mac (the Enterprises) will be $88 billion for each Enterprise, for a combined total of $176 billion to support the multifamily market. To ensure a strong focus on...
+ - News Release
+
+October 28, 2025
+
+## [FHFA House Price Index® Up 0.4 Percent in August; Up 2.3 Percent from Last Year](/news/news-release/fhfa-house-price-index-up-0.4-percent-in-august-up-2.3-percent-from-last-year)
+
+Washington, D.C. – U.S. house prices rose 0.4 percent in August, according to the U.S. Federal Housing (FHFA) seasonally adjusted monthly House Price Index (FHFA HPI®). House prices rose 2.3 percent from August 2024 to August 2025. The previously reported 0.1 percent price decline in July was...
+ - [1](?page=0)
+ - [2](?page=1)
+ - [3](?page=2)
+ - [4](?page=3)
+ - [5](?page=4)
+ - [6](?page=5)
+ - [7](?page=6)
+ - [8](?page=7)
+ - [9](?page=8)
+ - …
+ - [Next](?page=1)
+ - [Last](?page=118)
+
+Sign up for email updates
+
+Leave this field blank
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/45f9d9265e8b89bd2788509ffca36209a75ae9b55ba8ceb5890a09bb13d178a8.txt b/chunks/txt/45f9d9265e8b89bd2788509ffca36209a75ae9b55ba8ceb5890a09bb13d178a8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..181481e46e4bf5fdf42a6718e0267b8f1d97106f
--- /dev/null
+++ b/chunks/txt/45f9d9265e8b89bd2788509ffca36209a75ae9b55ba8ceb5890a09bb13d178a8.txt
@@ -0,0 +1,177 @@
+One and only one of fields 1-185, 1-
+186 (values of Project Common
+Elements Completed Indicator) 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
+
+Form FNM 1073 FRE 465
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 95 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
+
+197
+
+1
+
+186
+
+PROJECT
+INFORMATION
+
+198
+
+1
+
+187
+
+PROJECT
+INFORMATION
+
+Are the units, common
+elements, and recreation
+facilities complete (including
+any planned rehabilitation for a
+condominium conversion)?
+No
+
+Are the units, common
+elements, and recreation
+facilities complete (including
+any planned rehabilitation for a
+condominium conversion)?
+If No, describe
+
+Project Common
+Elements
+Completed
+Indicator
+
+Indicates that the common elements and
+recreation facilities in the project are
+complete.
+
+Project Common
+Elements Status
+Description
+
+A free-form text field used to comment on
+the status of the project common elements
+and/or recreation facilities.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommonElementsCom
+pletedIndicator=‘N’]
+
+1
+
+Boolean
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/@_CommonElementsStatu
+sDescription
+
+4000
+
+String
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
diff --git a/chunks/txt/460b8ec7d2f70e613f988cdd77dbd071afb538160bf0978472e622dbd2b95099.txt b/chunks/txt/460b8ec7d2f70e613f988cdd77dbd071afb538160bf0978472e622dbd2b95099.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ddd0f6fca777371b412322a869463458cf74644c
--- /dev/null
+++ b/chunks/txt/460b8ec7d2f70e613f988cdd77dbd071afb538160bf0978472e622dbd2b95099.txt
@@ -0,0 +1,88 @@
+Allowable
+Answers / Format
+
+Choose allowable
+answers from
+tables (Lender,
+Client, and AMC;
+Appraiser and
+Supervisor; and
+Significant Real
+Property Appraisal
+Assistance)
+
+Definition / Additional Guidance
+
+Role: The role that the person or company performed in the assignment.
+•
+•
+•
+•
+•
+•
+•
+•
+•
+
+Appraisal Management Company
+Appraiser
+Attorney
+Client
+Investor
+Lender
+Significant Real Property Appraisal Assistance
+Supervisory Appraiser
+Other (Describe)
+
+Select all applicable roles but at least one Role for each contact that is in the
+Restricted Appraisal Update Report.
+
+Lender, Client, and AMC
+
+This portion of the Contact Information subsection shows details about the lender, client, and / or AMC.
+Contacts display here when Role is Lender, Client, or AMC.
+
+Choose one contact as the Client in addition to any other role with which the client has been associated. Note
+that Client, Lender, and AMC are all identified as Roles in this section.
+
+Example: In the most common scenario in which the lender is the client, select both of those Roles when
+inputting the lender contact information to provide context that the lender is also the client.
+
+Appendix F-2: Appraisal Update Report Reference Guide
+
+Page 15 of 28
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+04 Assignment Information
+
+Allowable Answer
+
+Appraisal Management
+Company (AMC)
+
+Attorney
+
+Client
+
+Investor
+
+Lender
+
+Other
+
+Assignment Information: Role - Lender, Client, and AMC (Choose one or more for each Contact)
+
+Definition / Additional Guidance
+
+Notes:
+•
+•
+•
+
+If there is an AMC for the assignment, it must be identified in addition to the lender.
+Do not select this answer if there is no AMC for the assignment, i.e., do not populate with “No AMC.”
+In some jurisdictions, the appraiser is required to identify the AMC as the client. In those cases, choose both AMC
+and Client as the Role for the AMC.
diff --git a/chunks/txt/46188fe483a26b0b99ae172c35560aa02a7a449e10a51b29ad172033e07fa750.txt b/chunks/txt/46188fe483a26b0b99ae172c35560aa02a7a449e10a51b29ad172033e07fa750.txt
new file mode 100644
index 0000000000000000000000000000000000000000..efe6db1867341ba4060fb57a95782960c26a84d7
--- /dev/null
+++ b/chunks/txt/46188fe483a26b0b99ae172c35560aa02a7a449e10a51b29ad172033e07fa750.txt
@@ -0,0 +1,39 @@
+Additionally, for loans that require an appraisal, lenders must ensure the appraised value as indicated on the appraisal submitted
+to UCDP matches the appraised value as reported at sale of the loan. An exception is allowed for this requirement when the
+appraisal used to underwrite the loan is a desk or field review of an existing appraisal because those types of reports cannot be
+submitted through the UCDP. In those instances, the appraised value reported at sale of the loan will reflect the value as stated in
+the desk or field review. However, the original appraisal that was the subject of review must have been submitted to UCDP.
+Lenders must maintain the applicable appraisal report and attachments in the loan file as part of the underwriting documents in
+accordance with Selling Guide A2-4.1-02, Ownership and Retention of Loan Files and Records. Lenders may obtain detailed
+information on the UCDP page on Fannie Mae’s website.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 54 of 166
+
+UAD 3.6 Policy
+
+SB4-1.2-01, Appraisal Reports and Exhibits (12/10/2025)
+
+Introduction
+
+This topic contains information on appraisal reports and exhibits, including:
+
+Scope of Work
+
+•
+• Property Valuation Methods and Property Types
+•
+• Appraiser Certifications and Limiting Conditions
+
+Exhibits for the Uniform Residential Appraisal Report
+
+Scope of Work
+
+Appraisers must use the most recent version of the Uniform Residential Appraisal Report (URAR) and include any other
+information, either as an image or text in the related section of the report, needed to adequately support the opinion of market
+value. Although the scope of work for the appraisal or the extent of the appraisal process is guided by Fannie Mae’s appraisal
+reports, the report does not limit or control the appraisal process. The appraiser’s analysis should go beyond any limitations of
+the URAR, with additional comments and exhibits being used if they are needed to adequately describe the subject property,
+document the analysis and valuation process, or support the appraiser’s conclusions. The extent of the appraiser’s data
+collection, analysis, and reporting must be determined by the complexity of the appraisal assignment.
diff --git a/chunks/txt/461efcfd5f21a338b16a079396977d85fd360fd15e3c9de54965ff105f480742.txt b/chunks/txt/461efcfd5f21a338b16a079396977d85fd360fd15e3c9de54965ff105f480742.txt
new file mode 100644
index 0000000000000000000000000000000000000000..af6995437e21dcdd71f7321c55d053737f07380e
--- /dev/null
+++ b/chunks/txt/461efcfd5f21a338b16a079396977d85fd360fd15e3c9de54965ff105f480742.txt
@@ -0,0 +1,78 @@
+This column contains a description of whether the data point is new
+to the Fannie Mae ULDD specification, or if it is an existing data
+point that requires an update and which column or columns contain
+the change.
+
+© 2018 Fannie Mae. Trademarks of Fannie Mae.
+
+June 2018 | 8 of 22
+
+Column Name
+
+Column Name Description
+
+Data Point New / Net
+New / Revision
+
+This column lists data points by the type of implementation work
+required (e.g. implement a new data point or revise an existing data
+point). New indicates a data point that is new for Fannie Mae only.
+Net new indicates a new data point for both GSEs.
+
+Data Point Change Type This column lists data points by more specific type of
+implementation work required related to whether it is labeled as
+'new', ‘net new’, or as a 'revision' in the 'Data Point New / Revision'
+column.
+
+XPath
+
+Parent Container
+
+This column lists the XPath used to navigate through the XML
+document to the corresponding MISMO data point.
+This column lists the parent container name of the corresponding
+MISMO data point.
+
+MISMO Data Point Name This column lists the MISMO term name for a corresponding data
+
+MISMO Definition
+
+Loan Role Type
+
+Loan State Type
+
+Party Role Type
+
+element or attribute.
+
+This column lists the MISMO definition for the corresponding data
+point.
+This column only applies to MISMO data points in the LOAN
+container and lists the following Loan Role Type values:
+• SubjectLoan
+• RelatedLoan
+The cell is blank when the data point is not in the LOAN container.
+
+This column only applies to MISMO data points in the LOAN
+container and lists one or more of the following Loan State Type
+values:
+• AtClosing
+• AtModification
+• Current
+The cell is blank when the data point is not in the LOAN container.
+This column only applies to MISMO data points in the PARTY
+container and lists the following Party Role Type values:
+• Appraiser
+• AppraiserSupervisor
+• Borrower
+• DocumentCustodian
+• HomeownersAssociation
+• LoanDeliveryFilePreparer
+• LoanOriginationCompany
+• LoanOriginator
+• LoanSeller
+• NotePayTo
+• Payee
+• Servicer
+• WarehouseLender
+The cell is blank when the data point is not in the PARTY container.
diff --git a/chunks/txt/4623b177e04358d3be9c3757684d44b29d56a6ca71b1a5fd7de80a0f08fdaa43.txt b/chunks/txt/4623b177e04358d3be9c3757684d44b29d56a6ca71b1a5fd7de80a0f08fdaa43.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3535e722f8e4ad61ef07c44865130d4141aca051
--- /dev/null
+++ b/chunks/txt/4623b177e04358d3be9c3757684d44b29d56a6ca71b1a5fd7de80a0f08fdaa43.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/about/fhfa-policies"
+date_accessed: "2026-01-27T17:54:20.254Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/4623b20009a9864b92df153ddb1b2d9a7f035a47e6f704367a8c48406647d0ac.txt b/chunks/txt/4623b20009a9864b92df153ddb1b2d9a7f035a47e6f704367a8c48406647d0ac.txt
new file mode 100644
index 0000000000000000000000000000000000000000..46a5c423ada640fb849fb6339a0e694d07d8852f
--- /dev/null
+++ b/chunks/txt/4623b20009a9864b92df153ddb1b2d9a7f035a47e6f704367a8c48406647d0ac.txt
@@ -0,0 +1,153 @@
+•
+
+No
+
+No
+
+No
+
+Appendix F-1: URAR Reference Guide
+
+Page 221 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
+
+22.01.23
+
+Sale Price
+
+Always
+
+Required if Listing
+Status is Settled Sale
+
+Dollar amount
+
+22.01.24
+
+Transfer
+Terms
+
+If relevant
+
+Required when the
+row is included in the
+sales comparison grid
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+Sale Price is only
+applicable to
+comparables
+Transfer Terms is only
+applicable to
+comparables
+
+No
+
+Yes
+22.01.25
+
+Court Ordered Non-Foreclosure Sale
+Estate Sale
+Foreclosure Sale
+Land Sale
+Pre-Subdivision Sale
+Relocation Sale
+REO Sale
+Sale Between Related Parties
+Short Sale
+Typically Motivated (e.g., Arm’s Length sale)
+Other (Describe)
+
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+Note: If more than one Transfer Term applies, select the most applicable
+one and provide details in Reconciliation of Sales Comparison Approach
+(22.16.01).
+
+22.01.26
+
+Financing
+Type
+
+If relevant
+
+Required when the
+row is included in the
+sales comparison grid
+
+Yes | No
+
+Transaction Executed
+Without Financing
+is only applicable to
+comparables
+
+Yes
+22.01.27
+
+Transaction Executed Without Financing
+•
+
+If Yes, “Cash” displays for Financing Type
+
+22.01.26
+
+Financing
+Type
+
+If relevant
+
+Required when
+Transaction Executed
+Without Financing is
+No
+
+Choose an
+allowable answer
+from Definition /
+Additional
+Guidance column
diff --git a/chunks/txt/4639ef61625bf83d19ed69c3e3a0897122d745cd9cf62bcfd57cc1d7adf09ad9.txt b/chunks/txt/4639ef61625bf83d19ed69c3e3a0897122d745cd9cf62bcfd57cc1d7adf09ad9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..09a263ff45a8cac5a8878daf61b9f6bce47b63df
--- /dev/null
+++ b/chunks/txt/4639ef61625bf83d19ed69c3e3a0897122d745cd9cf62bcfd57cc1d7adf09ad9.txt
@@ -0,0 +1,124 @@
+Required for each photo or
+image
+
+Energy Efficient and
+Green Features Exhibits
+
+Required for each photo or
+image
+
+7
+
+Sketch
+
+Sketch
+
+An additional caption may be
+provided.
+
+Floor Plan
+
+An additional caption may be
+provided.
+
+8
+
+Dwelling
+Exterior
+
+At least one photo of the
+front of each dwelling is
+required.
+
+See 4.059
+
+See 4.063
+
+The photo must be associated
+with the specific Defect,
+Damage, or Deficiency. See
+4.100.
+
+May include a Plat Map.
+
+Photos or images related to
+the Site section that are not
+specified above. May include
+an image of the Maintenance
+Agreement 4.022.
+
+If a Sketch or Floor Plan is not
+provided, an explanation is
+required in Sketch
+Commentary 7.003.
+If a Sketch or Floor Plan is not
+provided, an explanation is
+required in Sketch
+Commentary 7.003.
+Large photo at the top of the
+section (identified as Dwelling
+Front)
+
+Appendix F-1: URAR Reference Guide
+
+Page 19 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
+
+8
+
+Dwelling
+Exterior
+(Continued)
+
+Dwelling Front
+
+May be provided to further
+identify the photo or image in
+Dwelling Exterior Exhibits
+
+At least one photo of the
+front of each dwelling is
+required.
+
+Dwelling Rear
+
+Noncontinuous Area
+
+Apparent Defects,
+Damages, Deficiencies –
+Feature
+Example: Roof
+
+May be provided to further
+identify the photo or image
+Required, including the room
+type, location, and any other
+descriptive information as
+appropriate.
+
+May be provided to further
+identify the photo or image
diff --git a/chunks/txt/463cbcef208fc5eecf5448d982514f83fdee2e2fb53e172a553785fb433059c6.txt b/chunks/txt/463cbcef208fc5eecf5448d982514f83fdee2e2fb53e172a553785fb433059c6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..eb6b8d4ef9a3e376b7b717b37b42ed9ad9a06d37
--- /dev/null
+++ b/chunks/txt/463cbcef208fc5eecf5448d982514f83fdee2e2fb53e172a553785fb433059c6.txt
@@ -0,0 +1,119 @@
+02.006 Original Lender
+
+Always required
+
+Free-form
+
+The lender identified in the original appraisal report.
+
+Appendix F-3: Completion Report Reference Guide
+
+Page 13 of 33
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+03 Itemized List of Repairs
+
+03 Itemized List of Repairs
+
+The Itemized List of Repairs section displays a list of individual repairs required in the original appraisal, and
+their status as of the date of the completion inspection. If there were no repairs in the original appraisal, this
+section does not display.
+
+Completion Report - Itemized List of Repairs
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+03.001
+
+Feature
+
+Required for each
+repair 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
+
+N/A
+
+See
+iGuide
+
+Required for each
+repair item
+
+Photo or image
+
+Photos or images for the repair item (whether repair completed or not) must
+be provided, which display in Completion Report Exhibits as “Itemized List of
+Repairs” with the indicated Feature. A caption may be provided to further
+describe the photo.
+
+03.002
+
+Location
+
+Required for each
+repair item
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+03.003
+
+Description
+
+Required for each
+repair item
+
+Free-form
+
+•
+•
+•
+•
+
+Full Bathroom
+Half Bathroom
+Kitchen
+Other (Describe)
+
+If there are multiple kitchens or bathrooms, indicate in Description which one
+has the repair item.
diff --git a/chunks/txt/465e185e901b4d03ada2aae1e9a36897e009ce6cc2629797e24569072ac2c0fe.txt b/chunks/txt/465e185e901b4d03ada2aae1e9a36897e009ce6cc2629797e24569072ac2c0fe.txt
new file mode 100644
index 0000000000000000000000000000000000000000..486cba677e71052527355b3c2ae0cfdea4393d7d
--- /dev/null
+++ b/chunks/txt/465e185e901b4d03ada2aae1e9a36897e009ce6cc2629797e24569072ac2c0fe.txt
@@ -0,0 +1,57 @@
+Term
+
+Business Partner
+
+Cardinality
+
+Class Word
+
+Definition
+
+Any entity that is exchanging an electronic transaction with another entity.
+Sometimes referred to as a “trading partner.”
+
+The number of times a container within the V3.0 Reference Model can
+repeat. The V3.0 Reference Model has established the bare minimum of
+cardinality limits necessary to maintain the hierarchical relationships among
+the containers. The ULDDS and GSE-specific Implementation Guides have
+tightened the cardinality to meet specific business requirements. Cardinality
+is expressed next to each container heading bar in Appendix A as (MIN=n,
+MAX=n), with n equal to the number of times the container is to repeat (MIN)
+and the total number of times it can repeat (MAX). Sometimes referred to as
+“repeatability.”
+
+The last component of all MISMO data point names, indicating the type of
+information conveyed by the data point (for example, Number, Date,
+andType.
+
+Complex Type XML
+Elements
+
+XML data elements that have child elements or attributes. XML data
+elements with child elements are also called “containers.”
+
+Conditionality
+
+The specified business requirement or event (condition) governing whether
+a particular data point must be included in a transaction.
+
+Container
+
+Data Point
+
+Deprecated
+
+A Complex Type XML Element used to categorize (contain) other data
+elements.
+
+A simple type XML data element used in the V3.0 Reference Model. Data
+point names are referred to as “terms” in MISMO’s Logical Data Dictionary.
+Sometimes referred to as a “field” or “element.”
+
+A term used in data standards and documentation. Employed in the V3.0
+LDD to identify data points and containers that have been removed or
+superseded and are no longer used. The data points are deprecated
+instead of completely removed from the standard to enable users of
+previous versions to understand how the data point has changed in the new
+version.
diff --git a/chunks/txt/4666f73b59b5f77e9f0caff74d2e96f152edca253b3e2f145f32880252e06d30.txt b/chunks/txt/4666f73b59b5f77e9f0caff74d2e96f152edca253b3e2f145f32880252e06d30.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a5f2fdb4c63bfcc17040d4626086b7f7a1cfb5e0
--- /dev/null
+++ b/chunks/txt/4666f73b59b5f77e9f0caff74d2e96f152edca253b3e2f145f32880252e06d30.txt
@@ -0,0 +1,21 @@
+**Q23. Each time our users submit the same non-DU loan, a new Casefile ID is generated by the UCD Collection Solution. Are users doing something incorrectly?**
+
+No, the users are not doing anything incorrectly. The UCD Collection Solution is designed to generate a new Casefile ID each time the DU Casefile ID is missing and the submission is not tied to a previous UCD submission. The user can tie back to a previous UCD submission by adding this section to the XML file. Adding this section to the XML file will ensure that UCD Collection Solution does not create a new Casefile ID.
+
+
+
+Please contact your UCD vendor if you are unsure on how to get this section into the XML file.
+
+**Q24. If DU is rerun for any reason and a new DU Casefile ID has been issued during the life of the loan, which casefile ID should be used for the UCD submission?**
+
+When DU is rerun for any reason, the UCD submission should include the DU casefile ID that the Lender intends on including in the loan delivery to Fannie Mae.
+
+Edit Messaging
+
+**Q25. What types of eligibility feedback messages will be provided upon submission?**
+
+Refer to the [UCD feedback messages](/media/document/xlsx/ucd-feedback-messages) for details.
+
+**Q26. Is Fannie Mae collaborating with Freddie Mac on edit feedback messaging?**
+
+Each GSE has developed their own UCD Collection Solution with unique edit feedback messaging with a severity of Warning. However, the GSEs collaborate on messaging with a severity of Fatal of which pertain to specific UCD datapoints.
diff --git a/chunks/txt/4668d5f68590fc4ae62a54adb52c9d4a78547ea5c3dd037e0ab11ff14fe6fa58.txt b/chunks/txt/4668d5f68590fc4ae62a54adb52c9d4a78547ea5c3dd037e0ab11ff14fe6fa58.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e83eec9b6bbaa3f5c7ef804dac2ec4a555e4e098
--- /dev/null
+++ b/chunks/txt/4668d5f68590fc4ae62a54adb52c9d4a78547ea5c3dd037e0ab11ff14fe6fa58.txt
@@ -0,0 +1,41 @@
+Desktop Underwriter® (DU®) Validation Service
+Integration Impact Memo
+April update
+
+Feb. 22, 2021
+
+Updated Feb. 24, 2021
+
+During the weekend of April 17, 2021, Fannie Mae will implement changes to the Desktop Underwriter® (DU®) validation service
+as described in the DU validation service Release Notes, April update.
+
+Please review the following, in addition to the release notes, to ensure that your integrated system(s) will be prepared to support
+this release.
+
+This update will introduce new messages, modify existing messages and retire certain messages related to the DU validation
+service. Integrated systems that parse the DU Codified Findings (UNDERWRITING_FINDINGS_XML), DU Underwriting Findings
+report data file (RES) or DU Messages API response file (JSON) may require updates to support the message changes. A
+preliminary count of expected message changes is included below to assist with impact assessment.
+
+New Messages
+
+Modified Messages
+
+Retired Messages
+
+3
+
+12
+
+3
+
+Integrated systems that receive and display the DU Underwriting Findings report TXT file, HTML and/or PDF files should not be
+impacted since these files are for display purposes only and parsing is not supported. However, if your integrated systems parse
+the HTML and/or TXT versions of the DU Underwriting Findings, your system may be impacted by this release.
+
+Unless specified below, these changes will apply to conventional loan casefiles created on or after Nov. 2, 2020
+
+N O T E :
+and submitted or resubmitted to DU on or after April 17, 2021 via Direct Integration and the User Interface (UI).
+
+DU Underwriting Findings - New DU Validation Service Messages
diff --git a/chunks/txt/467307848c3b26f55bfa56d2e56f28119831ca6df6b0f83e81ca1dffa9ae5236.txt b/chunks/txt/467307848c3b26f55bfa56d2e56f28119831ca6df6b0f83e81ca1dffa9ae5236.txt
new file mode 100644
index 0000000000000000000000000000000000000000..011601bb14ef213ab334d0601037b36d6ba176af
--- /dev/null
+++ b/chunks/txt/467307848c3b26f55bfa56d2e56f28119831ca6df6b0f83e81ca1dffa9ae5236.txt
@@ -0,0 +1,263 @@
+Fee Simple
+
+$0
+
+$0
+
+$0
+
+$0
+
+$0
+
+$0
+
+$0
+
+$0
+
+$0
+
+$0
+
+The MI5 | Yes
+
+ABC Estates | No
+
+The Arena | No
+
+$604
+
+$525
+
+$475
+
+—
+
+—
+
+—
+
+—
+
+—
+
+Attached
+
+Fee Simple
+
+The MI5
+
+$604
+
+Common Amenities/Services
+
+Built-in Pool | Inground
+Spa | Unit Storage
+
+Built-in Pool | Inground
+Spa | Unit Storage
+
+Inground Pool | Inground Spa
+
+Inground Pool
+
+Special Assessments
+
+Existing
+
+Existing
+
+None
+
+Proposed
+
+Site
+
+Neighborhood Name
+
+View | Range
+
+Dwelling(s)
+
+Year Built
+
+Structure Design
+
+Heating
+
+Cooling
+
+Units
+
+Floor Number
+
+Corner Unit
+
+Bedrooms
+
+Baths - Full | Half
+
+Eastwood
+
+Eastwood
+
+Midtown
+
+$0
+
+Century Village
+
+$0
+
+Residential | Full
+
+Residential | Full
+
+Residential | Full
+
+Residential | Full
+
+1973
+
+Mid-rise
+
+1973
+
+Mid-rise
+
+1986
+
+Mid-rise
+
+$0
+
+1987
+
+Mid-rise
+
+$0
+
+Forced Warm Air | Natural Gas
+
+Forced Warm Air
+
+Forced Warm Air
+
+Forced Warm Air
+
+Centralized
+
+Centralized
+
+Centralized
+
+Centralized
+
+2
+
+No
+
+2
+
+2 | 0
+
+2
+
+No
+
+2
+
+2 | 0
+
+$(5,000)
+
+8
+
+No
+
+2
+
+2 | 0
+
+3
+
+$0
+
+Yes
+
+$(10,000)
+
+2
+
+2 | 0
+
+Finished Area Above Grade
+
+Finished Area Below Grade
+
+1,092 Sq. Ft.
+
+1,092 Sq. Ft.
+
+1,171 Sq. Ft.
+
+$0
+
+1,075 Sq. Ft.
+
+$0
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Interior Quality and Condition
+
+Quality
+
+Kitchen
+
+Q4
+
+Q4
+
+Q4
+
+Q4
+
+Quality components
+
+Quality components
+
+Quality components
+
+Quality components
+
+Overall Bathrooms
+
+Decorative tiling and finishes
+
+Decorative tiling and finishes
+
+Decorative tiling and finishes
+
+Decorative tiling and finishes
+
+Overall Flooring
+
+Wool carpeting
+
+Quality carpeting
+
+Quality carpeting
+
+Quality carpeting
+
+Condition
diff --git a/chunks/txt/46789b65993a6c44682c656104939d3ce11e70bf5fb1a6dae5f365d5df6eb7d3.txt b/chunks/txt/46789b65993a6c44682c656104939d3ce11e70bf5fb1a6dae5f365d5df6eb7d3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3ac8b958d78df82db767efbbfb6a0d9dce25f829
--- /dev/null
+++ b/chunks/txt/46789b65993a6c44682c656104939d3ce11e70bf5fb1a6dae5f365d5df6eb7d3.txt
@@ -0,0 +1,153 @@
+Unit Charge $ per month
+
+per month X 12 = $ per year
+
+229
+
+2
+
+27
+
+PROJECT
+ANALYSIS
+
+230
+
+2
+
+28
+
+PROJECT
+ANALYSIS
+
+PROJECT
+ANALYSIS
+
+UNIT
+DESCRIPTION
+UNIT
+DESCRIPTION
+
+UNIT
+DESCRIPTION
+
+231
+
+232
+
+233
+
+234
+
+235
+
+236
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+29
+
+30
+
+31
+
+32
+
+33
+
+34
+
+Project Analysis
+Additional
+Facilities Fee
+Description
+
+A free-form text field describing the
+conditions, extent, and terms of the
+additional fee not included in the standard
+project fee (e.g. HOA fee).
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS/@
+_AdditionalFacilitiesFeeDescription
+
+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 Analysis
+Competitive
+Project
+Comparison Type
+
+Project Analysis
+Competitive
+Project
+Comparison Type
+
+Project Analysis
+Competitive
+Project
+Comparison Type
+
+Project Analysis
+Competitive
+Project
+Comparison
+Description
+
+Project Analysis
+Special
+Characteristics
+Indicator
+
+Project Analysis
+Special
+Characteristics
+Indicator
+
+Specifies the type of competition the
+project faces.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/PROJECT_ANALYSIS[@
+_CompetitiveProjectComparisonType='High']
+
+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']
+
+7
+
+7
+
+7
+
+Enumerated
+
+Enumerated
+
+Enumerated
+
+A free-form text field describing the
+differences, relative values, and effect of
+competitive projects.
diff --git a/chunks/txt/467c4d130c3a4aae138c3d5f339eda058c1269082b6756a3e2ca95d869ac2298.txt b/chunks/txt/467c4d130c3a4aae138c3d5f339eda058c1269082b6756a3e2ca95d869ac2298.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fa4478c56e12495eaf29b44b49fcdd406dbcea5d
--- /dev/null
+++ b/chunks/txt/467c4d130c3a4aae138c3d5f339eda058c1269082b6756a3e2ca95d869ac2298.txt
@@ -0,0 +1,114 @@
+4.0 Loan Terms
+
+Can this amount increase after closing?
+
+4.3 Monthly Principal & Interest
+See Projected Payments below for your
+Estimated Total Monthly Payment
+
+4.3.1 $761.78
+
+4.3.2 YES
+
+4.3.3 • Adjusts every 3 years starting in year 6
+• Can go as high as $1,870 in year 15
+
+Figure 44. P&I Payment Can Increase
+
+Potential increases to the payment are supported by the following UCD data points:
+
+Table 61. P&I Payment Can Increase
+
+Form
+Field ID
+(bullet)
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0
+Value
+
+Notes
+
+4.3.3
+(2)
+
+Can go as high as
+$n in year n
+
+…/AMORTIZATION_
+RULE
+
+AmortizationType
+
+AdjustableRate
+
+4.3.2
+
+Can this amount
+increase…?
+
+…/LOAN/LOAN_DE
+TAIL
+
+PaymentIncreaseIn
+dicator
+
+true
+
+Represented as
+“Can go” on Loan
+Terms table
+
+Represented as
+“YES” on form
+
+Appendix E: UCD Implementation Guide
+
+Page 72 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+4.0 Loan Terms
+
+The figure below illustrates the case of a Graduated Payment Mortgage, where the increase to the payment
+amount is scheduled, and so definite.
+
+4.0 Loan Terms
+
+Can this amount increase after closing?
+
+4.3 Monthly Principal & Interest
+
+4.3.1 $761.78
+
+4.3.2 YES
+
+See Projected Payments below for your
+Estimated Total Monthly Payment
+
+4.3.3 • Adjusts every 3 years starting in year 6
+• Goes as high as $1,870 in year 15
+ See AP Table on page 4 for details
+
+Figure 45. P&I Payment Will Increase
+
+Scheduled increases to the interest rate are supported by the following UCD data points:
+
+Table 62. P&I Payment Will Increase
+
+ID
+(bullet)
+
+Form Field Name
+
+MISMO v3.3.0
+Context
diff --git a/chunks/txt/467d6408f9ef601bdf4b9d3008d2ce615133874fdc1c54c70b4b18b066d3c281.txt b/chunks/txt/467d6408f9ef601bdf4b9d3008d2ce615133874fdc1c54c70b4b18b066d3c281.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7ede0b57659af65eccd8dd24798461d877c60e39
--- /dev/null
+++ b/chunks/txt/467d6408f9ef601bdf4b9d3008d2ce615133874fdc1c54c70b4b18b066d3c281.txt
@@ -0,0 +1,106 @@
+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 22 of 30
+Page 22 of 30
+
+Sales Comparison Approach (continued)
+
+PG BRK
+
+Sales Comparison Map
+
+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 23 of 30
+Page 23 of 30
+
+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.
+
+Cost Approach
+
+Indicated Value by Cost Approach
+
+Depreciated Cost of Dwellings
+Depreciated Cost of Outbuildings
+As Is Value of Site Improvements
+Opinion of Site Value
+
+$459,500
+
+$154,500
+$23,500
+$31,500
+$250,000
+
+Depreciated Cost - Dwelling
+
+Above Grade Finished Area
+
+1,568 Sq. Ft. @ $95.66
+
+Total Depreciation
+
+Manufactured Home Delivery,
+Installation, and Setup
+
+Remaining Economic Life
+Effective Age
+
+45 years
+0
+
+$150,000
+
+$0
+
+$4,500
+
+Total
+
+$154,500
+
+Commentary on Effective Age Subject property dwelling is a new manufactured home.
+
+Depreciated Cost - Outbuilding - Barn
+
+Unfinished Area
+
+Total Depreciation
+
+800 Sq. Ft. @ $18.75
+
+Depreciated Cost - Outbuilding - Rec Room/Garage
+
+Garage
+
+Finished Area
+
+Total Depreciation
+
+700 Sq. Ft. @ $22.22
+
+200 Sq. Ft. @ $47.23
+
+$15,000
+
+$(9,000)
+
+$6,000
diff --git a/chunks/txt/4680df747842ccd063a49a5ebc5877b2dc5bff2f86cbc5accd321994a4efacd5.txt b/chunks/txt/4680df747842ccd063a49a5ebc5877b2dc5bff2f86cbc5accd321994a4efacd5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f808161c410f8cf591e751eebfc0bcc04d812a58
--- /dev/null
+++ b/chunks/txt/4680df747842ccd063a49a5ebc5877b2dc5bff2f86cbc5accd321994a4efacd5.txt
@@ -0,0 +1,102 @@
+AMA_PUDB_definitions_123115.xlsx
+
+Data Definitions
+Federal Housing Finance Agency
+Federal Home Loan Bank Purchased Mortgage Files
+As of December 31, 2015
+
+Effective 10/18/16
+
+Column
+
+1 Year
+2 Assigned ID
+3 Bank
+4 FIPSStateCode
+5 FIPSCountyCode
+6 MSA
+
+7 FeatureID
+8 Tract
+9 MinPer
+10 TraMedY
+11 LocMedY
+12 TractRat
+13 Income
+14 CurAreY
+15 IncRat
+16 UPB
+17 LTV
+18 MortDate
+19 AcquDate
+20 Purpose
+
+21 Coop
+
+22 Product
+
+23 FedGuar
+
+24 Term
+25 AmorTerm
+26 SellType
+
+27 NumBor
+28 First
+
+29 CICA
+
+Definition
+Year Loan was reported
+Unique Record ID (Not Actual Loan Number)
+Name of Federal Home Loan Bank District
+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
+Type of Acquiring Lender Institution
+1=Insured depository institution;
+2=Housing Associate;
+3=Insurance Company
diff --git a/chunks/txt/469ed94e18aee13ad4174d4becbef9ee726b90ac32d24450caaf749cb28135b6.txt b/chunks/txt/469ed94e18aee13ad4174d4becbef9ee726b90ac32d24450caaf749cb28135b6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d0b0097ebd3a0f52d41b087387a31f2d1dbb24c6
--- /dev/null
+++ b/chunks/txt/469ed94e18aee13ad4174d4becbef9ee726b90ac32d24450caaf749cb28135b6.txt
@@ -0,0 +1,125 @@
+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
+
+As Is
+
++.5 li # only
+
+in Summary
+
+Effective Date of Appraisal
+Assignment Reason
+Borrower Name
+Current Owner of Public Record
+Listing Status
+
+03/03/2024
+Refinance
+Jane Doe
+Jane Doe
+None
+
+Property Valuation Method
+Appraiser Name
+
+Traditional Appraisal
+John Appraiser
+
+Site Built
+Detached
+
+Overall Quality
+Overall Condition
+
+Q4
+C3
+
+Yes No
+
+
+
+
+
+
+Yes No
+
+
+This is where the Dwelling Front photo would display.
+
+Property Description
+
+Construction Method
+Attachment Type
+
+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?
+
+Zoning Compliance
+
+Legal
+
+Apparent Defects, Damages, Deficiencies Requiring Action
+
+None
+
+Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K
+
+Uniform Residential Appraisal Report
+
+Page 2 of 19
+Page 2 of 19
+
+Assignment Information
+
+Assignment Reason
+Borrower Name
+Current Owner of Public Record
+
+Refinance
+Jane Doe
+Jane Doe
+
+Property Valuation Method
+
+Traditional Appraisal
+
+Yes No
+Was a Property Data Report used in lieu of an Inspection?
+
+STET
+
+“lieu” l.c.
+
+Appraiser Fee
+
+$0
+
+Contact Information
diff --git a/chunks/txt/469f314ae012bdd151200357393694be48539b15d1558493503604be52dc5663.txt b/chunks/txt/469f314ae012bdd151200357393694be48539b15d1558493503604be52dc5663.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2a0c993647ef5ad5a7850d5e3adf339960d783cb
--- /dev/null
+++ b/chunks/txt/469f314ae012bdd151200357393694be48539b15d1558493503604be52dc5663.txt
@@ -0,0 +1,3 @@
+Quality and Condition .............................................................................................................................................................................................................. 158
+
+Noncontinuous Finished Area .................................................................................................................................................................................................. 163
diff --git a/chunks/txt/46a45940d9a1d24075e8b15e3bc3cb2b4e9c70ef29ae3c01f2d265bd465c2651.txt b/chunks/txt/46a45940d9a1d24075e8b15e3bc3cb2b4e9c70ef29ae3c01f2d265bd465c2651.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0202978c7ceeff622867fff89eb3ba09f761a6f6
--- /dev/null
+++ b/chunks/txt/46a45940d9a1d24075e8b15e3bc3cb2b4e9c70ef29ae3c01f2d265bd465c2651.txt
@@ -0,0 +1,52 @@
+
+
+OtherBorrower Application Fee
+
+
+
+
+
+
+…
+
+
+
+d. UCD v2.0 Components Excluded from Spec Excerpt Tables
+
+UCD v2.0 provides operational flexibility for users of the dataset through comprehensive sets of enumerations, the
+attribute DisplayLabelText, and enumerated data points ending in “OtherDescription”. The scope of the Spec excerpts is to
+illustrate the most common business scenarios, so the following detailed UCD v2.0 Spec components are excluded from the
+Spec excerpts.
+
+i.
+
+ii.
+
+iii.
+
+iv.
+
+DisplayLabelText. This attribute enabling the rendering of a proprietary name for an enumerated value in
+place of the UCD v2.0 Spec supported enumeration. DisplayLabelText is optional in UCD v2.0 and it is up to the
+lender to manage its use within their XML files.
+
+The enumerated data point value “Other” with data points ending in “OtherDescription”. UCD v2.0 provides
+complete sets of values for included enumerated data points. The use of “Other/OtherDescription” must be
+limited to values not commonly used in industry or those that are emerging as newly accepted. However, GSE-
+specified values for “OtherDescription” are required when enumerations are specified for the
+“OtherDescription” data point in the “UCD v2.0 Support Enumerations” column.
diff --git a/chunks/txt/46a4e746ab4ffbe913cc29e4649878ec4345866b74dd7c527dd08ea8c6f00eee.txt b/chunks/txt/46a4e746ab4ffbe913cc29e4649878ec4345866b74dd7c527dd08ea8c6f00eee.txt
new file mode 100644
index 0000000000000000000000000000000000000000..285769f494cd9a2ea713287361564f56f5020cb7
--- /dev/null
+++ b/chunks/txt/46a4e746ab4ffbe913cc29e4649878ec4345866b74dd7c527dd08ea8c6f00eee.txt
@@ -0,0 +1,7 @@
+Disaster Mitigation ........................................................................................................................................ 41
+
+Disaster Mitigation Commentary (H1) ................................................................................................................ 41
+
+Disaster Mitigation Exhibits (H1) ........................................................................................................................ 41
+
+Energy Efficient and Green Features .............................................................................................................. 41
diff --git a/chunks/txt/46b37a34c48ddef4d0e165c5d94c4763fc274721265fe51774d8412bcf4aabe8.txt b/chunks/txt/46b37a34c48ddef4d0e165c5d94c4763fc274721265fe51774d8412bcf4aabe8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f7d07114827485eaf2cbb2ea21663b5d4d0b8b44
--- /dev/null
+++ b/chunks/txt/46b37a34c48ddef4d0e165c5d94c4763fc274721265fe51774d8412bcf4aabe8.txt
@@ -0,0 +1,32 @@
+Note: Substantial repairs are needed to the improvements due to the lack of adequate
+maintenance or property damage. It reflects a property with conditions severe enough to
+affect the safety, soundness, or structural integrity of the improvements.
+
+Quality Ratings and Definitions
+
+Q1
+Dwellings with this quality rating are usually unique structures that are individually designed by an
+architect for a specified user. Such residences typically are constructed from detailed architectural plans
+and specifications and feature an exceptionally high level of workmanship and exceptionally high-grade
+materials throughout the interior and exterior of the structure. The design features exceptionally high-
+quality exterior refinements and ornamentation, and exceptionally high-quality interior refinements. The
+workmanship, materials, and finishes throughout the dwelling are of exceptionally high quality.
+
+Q2
+Dwellings with this quality rating are often custom designed for construction on an individual property
+owner’s site. However, dwellings in this quality grade are also found in high-quality tract developments
+featuring residences constructed from individual plans or from highly modified or upgraded plans. The
+design features detailed, high- quality exterior ornamentation, high-quality interior refinements, and
+detail. The workmanship, materials, and finishes throughout the dwelling are generally of high or very
+high quality.
+
+Page 65 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/46c60bdcffffc4bf29663e2472a1e2799faf02bff9ffb450e64671af1b0598bb.txt b/chunks/txt/46c60bdcffffc4bf29663e2472a1e2799faf02bff9ffb450e64671af1b0598bb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4ff36264ac81d0e82f8c2dbde5ac274009108bd0
--- /dev/null
+++ b/chunks/txt/46c60bdcffffc4bf29663e2472a1e2799faf02bff9ffb450e64671af1b0598bb.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/contact"
+date_accessed: "2026-01-27T17:54:20.350Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/46d36b24f59e60e4a799f5114023562a1bf586709097b8087d12788c36b0eed4.txt b/chunks/txt/46d36b24f59e60e4a799f5114023562a1bf586709097b8087d12788c36b0eed4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..eb56f083d2a9e455a975ce368b891324e40a1f20
--- /dev/null
+++ b/chunks/txt/46d36b24f59e60e4a799f5114023562a1bf586709097b8087d12788c36b0eed4.txt
@@ -0,0 +1,21 @@
+## Appraisal Update
+
+[### Appendix A-2: UAD Restricted Appraisal Update Report 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.](/docs/xls/requirements/appendix-a-2-restricted-appraisal-update-report-delivery-specification.xlsx)
+
+[### Appendix B-2: Restricted Appraisal Update Report Implementation Guide (iGuide)
+
+This document assists software vendors with data mapping, field formats and the display logic for the PDF representation of the report.](/docs/pdf/requirements/appendix-b-2-restricted-appraisal-update-report-implementation-guide.pdf)
+
+[### Appendix C-2: Restricted Appraisal Update Report Layout
+
+This zip file contains the Appraisal Update Report Layout with Report Field IDs and the Appraisal Update Report Layout without Report Field IDs. The purpose of these documents is to show all possible Report Labels that may display on the Appraisal Update Report, regardless of conditionality.](/docs/zip/requirements/appendix-c-2-restricted-appraisal-update-report-layout.zip)
+
+[### Appendix D-2: Restricted Appraisal Update Report Sample Scenario and XML File
+
+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-2-restricted-appraisal-update-report-sample-scenario-and-xml-file.zip)
+
+[### Appendix F-2: Restricted Appraisal Update Report Reference Guide
+
+This document provides guidance on how to enter information and how the data will be displayed in the Restricted Appraisal Update Report.](/docs/pdf/appendix-f-2-restricted-appraisal-update-report-reference-guide.pdf)
diff --git a/chunks/txt/46e6269b60a92e905463b3f32589c07e702d5a4f7ffb8ec04d36adbb94a552e3.txt b/chunks/txt/46e6269b60a92e905463b3f32589c07e702d5a4f7ffb8ec04d36adbb94a552e3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..814c7d8f81471628dc649ea99a07baa967a75d4c
--- /dev/null
+++ b/chunks/txt/46e6269b60a92e905463b3f32589c07e702d5a4f7ffb8ec04d36adbb94a552e3.txt
@@ -0,0 +1,38 @@
+Note: Certain aspects of the location of a property will require special consideration. For example, properties in resort areas that
+attract people for seasonal or vacation use are acceptable only if they are suitable for year-round use.
+
+Acceptable Forms of Property Ownership
+
+Title to the property must be held as fee simple (which may include title held in a life estate), leasehold estate or as a co-op form
+of ownership. (See B2-2-01, General Borrower Eligibility, SB2-3-03, Special Property Eligibility and Underwriting Considerations:
+Leasehold Estates; and B4-2.3-04, Loan Eligibility for Co-op Share Loans, for additional information.)
+
+Note: Life estates satisfying the requirements described in B2-2-01, General Borrower Eligibility, are often chosen as a means to
+avoid probate. However, similar arrangements do not qualify as life estates for loan eligibility purposes if:
+
+•
+
+•
+
+the named successors under such arrangements do not have vested and irrevocable property rights in the subject
+property, such as with “lady bird deeds”, or
+the current holder of the property can, before their own death, transfer full ownership of the subject property to a third
+party without the approval or consent of any contingent beneficiaries, such as under typical statutory “transfer on death
+deeds.”
+
+Acceptable Dwelling Types
+
+Dwelling units for security properties may be detached, attached, or semi-detached.
+
+Properties may be located
+
+• on an individual lot,
+•
+in a condo project,
+•
+in a co-op project, or
+•
+in a planned unit development (PUD) or subdivision project.
+
+Properties located in a condo, co-op, or PUD project must meet Fannie Mae’s project standards requirements (see Selling Guide
+Chapter B4–2, Project Standards).
diff --git a/chunks/txt/46e9ccd8613527f168fa553b2f98717f6821d1214ee5bcbece33a6b2166b2ed1.txt b/chunks/txt/46e9ccd8613527f168fa553b2f98717f6821d1214ee5bcbece33a6b2166b2ed1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d82739be6a6ae401ceda288c727d63a09ad6b691
--- /dev/null
+++ b/chunks/txt/46e9ccd8613527f168fa553b2f98717f6821d1214ee5bcbece33a6b2166b2ed1.txt
@@ -0,0 +1,52 @@
+comment on single-family HOEPA
+status.
+
+Accordingly, to conform to HMDA
+
+reporting requirements for HOEPA
+status, FHFA has added this data
+element as new data field 57 in the
+single-family Census Tract File.
+
+c. Multifamily Data Field 50: Lien Status
+This new data field identifies the lien
+status of the multifamily loans acquired
+by the Enterprises. Unlike single-family
+lien status, multifamily lien status is not
+currently included in the ‘‘purpose of
+loan’’ data field in the multifamily
+matrix. Fannie Mae has collected but
+not reported this data in the past.
+Freddie Mac confirmed that it collects
+multifamily lien status data when it
+purchases mortgage loans and currently
+provides this data to FHFA for housing
+goals purposes.
+
+In response to FHFA’s request,
+
+Freddie Mac and Fannie Mae provided
+FHFA with the multifamily lien status
+data necessary to populate the new
+multifamily lien status data field for the
+PUDB. However, Freddie Mac stated
+that the multifamily lien status data
+field should be identified in the PUDB
+as ‘‘not applicable’’ because of the
+Enterprises’ status as loan purchasers,
+making the argument (already addressed
+above) that the HMDA instructions
+differentiate between the reporting
+requirements and data element coding
+for originated versus purchased loans.
+Since the Enterprises have been
+
+collecting multifamily lien status data,
+FHFA is requiring the Enterprises to
+report that data for inclusion in new
+data field 50 for lien status in the
+multifamily Census Tract File.
+
+3. Data Element Currently Collected But
+Not Previously Reported—Single-
+Family Data Field 58: Property Type
diff --git a/chunks/txt/46f1241875855d6a5f4b79963d164e68f660334c29a8bcdce031a57d119412d8.txt b/chunks/txt/46f1241875855d6a5f4b79963d164e68f660334c29a8bcdce031a57d119412d8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..aa3a662428ee80cb66bd5cda7d2758a9e25de04e
--- /dev/null
+++ b/chunks/txt/46f1241875855d6a5f4b79963d164e68f660334c29a8bcdce031a57d119412d8.txt
@@ -0,0 +1,5 @@
+Data Mapping and PDF Rendering Information ....................................................................................................................................................................... 12
+
+Legal Description .......................................................................................................................................................................................................... 14
+
+02 Original Appraisal ...................................................................................................................................................................................................... 16
diff --git a/chunks/txt/470ebd61af974d40de994b08da0356a009247fb2d85d969849e362ba7b62c921.txt b/chunks/txt/470ebd61af974d40de994b08da0356a009247fb2d85d969849e362ba7b62c921.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b4c590a873795756493022d54ba35c32bbf4c08f
--- /dev/null
+++ b/chunks/txt/470ebd61af974d40de994b08da0356a009247fb2d85d969849e362ba7b62c921.txt
@@ -0,0 +1,45 @@
+Many MISMO v3.3.0 data points and containers are reusable and may show up in several
+different locations within one XML file. The location or context in which a data point is used
+must be known to fully understand the business meaning. The location is expressed using the
+XPath. For example, the ADDRESS container may be used in the context of PROPERTY or
+PARTY.
+
+Data points ending in Count may be expressed as whole numbers only.
+
+Dates are to be presented on the Closing Disclosure as “MM/DD/YYYY”; however, the format
+for UCD dates is “YYYY-MM-DD”. Implementers must provide dates in the format specified by
+UCD, and convert them to present the dates appropriately on the Closing Disclosure.
+
+DATETIME FORMAT
+
+This format combines Date and Time formats separated by the Time designator “T”. Both Date
+and Time must be provided as follows: YYYY-MM-DDThh:mm:ss.
+
+@ GSE: DISPLAY L ABEL
+TEXT
+
+DOCUMENT SPECIFIC
+DATA
+
+The @DisplayLabelText attribute is a free-form text field used in conjunction with an
+enumerated data point to provide a human-readable, display-ready representation of the
+corresponding enumerated value. In UCD, this data point is used in association with fee,
+escrow, adjustment, proration, and liability data points to allow users to display a company’s
+preference for a name while tying it to the equivalent UCD enumerated value.
+
+All Document Specific data points reside under DOCUMENT_ SPECIFIC_DATA_SETS in the
+INTEGRATED_DISCLOSURE container and child containers. Data points from this part of the
+Reference Model are created to support specific business reporting requirements. Their
+definitions are driven by the context of and specific usage within the form or document they
+are intended to populate. In general, these definitions do not conform to broader -based
+industry understanding, so the data points should not be used outside of the specific
+document for which they were designed.
+The Document Specific child containers of INTEGRATED_DISCLOSURE are:
+1. CA SH_TO_CLOSE_ITEMS (Section 10.0)
+2. ESTIMA TED_PROPERTY_COSTS (Section 5.0 – ETI&A)
+3.
+4.
+5. PRO JECTED_PAYMENTS (Section 5.0 – Payment Calculation)
+For example: 3.3 Product is conveyed using the Document Specific data point
+IntegratedDisclosuresLoanProductDescription within the INTEGRATED_DISCLOSURE_DETAIL
+container. If the loan is delivered into a different context, say the secondary mortgage market,
diff --git a/chunks/txt/473841425fa44b2425184df7d629b00e3b974a82a639b80b984b4c5b91594910.txt b/chunks/txt/473841425fa44b2425184df7d629b00e3b974a82a639b80b984b4c5b91594910.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1f36211d342812f7b3f575f5a54bf234d1a47bad
--- /dev/null
+++ b/chunks/txt/473841425fa44b2425184df7d629b00e3b974a82a639b80b984b4c5b91594910.txt
@@ -0,0 +1,42 @@
+For limited cash-out refinance transactions, the LTV ratio is determined by dividing the original loan amount by the “as
+completed” appraised value of the property when the mortgage is being delivered prior to the completion of the
+improvements. If the appraisal was completed after the completion of the improvements, then the LTV ratio is determined by
+dividing the original loan amount by the appraised value of the property.
+
+There is no minimum dollar amount for the improvements; the maximum dollar amount depends on the type of HomeStyle
+Refresh activity and the transaction, described in the table below.
+
+HomeStyle Refresh Activity
+
+Maximum Amount to Finance Improvements
+
+Renovation of an existing
+property
+
+For purchases or limited cash-out refinances up to 15% of the “as
+completed” appraised value of the property.
+
+Payoff of non-PACE secured or
+unsecured debt that financed
+energy-related improvements
+
+For limited cash-out refinances up to 15% of the appraised value of the
+property. The improvement debt must be paid off in full. Partial payoffs
+are not permitted.
+
+Note: If a HomeStyle Refresh loan includes both new energy-related
+improvements and payoff of previously acquired energy-related debt, the
+total of both cannot exceed 15%.
+
+Payoff of existing PACE loan
+
+For purchases or limited cash-out refinances: all outstanding PACE debt
+may be paid off up to the maximum allowable LTV for the transaction and
+occupancy type. The PACE loan must be paid off in full. Partial payoffs
+are not permitted.
+
+Lender Responsibilities
+
+The lender is responsible for
+
+• ensuring that the appraiser has been provided with a copy of all plans and specifications proposed for the renovation
diff --git a/chunks/txt/474c5847a8f8fbfde8e06ab27433c10c94901d72064e41e452728bcbcc34fb85.txt b/chunks/txt/474c5847a8f8fbfde8e06ab27433c10c94901d72064e41e452728bcbcc34fb85.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cbba9288eec4566aa8e6201e2130f2448f08bb1d
--- /dev/null
+++ b/chunks/txt/474c5847a8f8fbfde8e06ab27433c10c94901d72064e41e452728bcbcc34fb85.txt
@@ -0,0 +1,132 @@
+This is an
+appraiser
+input that
+does not
+display in the
+rental grid
+
+Subject Property
+•
+
+Neighborhood
+Name 3.003
+
+Subject Property
+•
+
+Property in a PUD
+3.010
+
+Subject Property
+•
+Property in a
+Project 3.011-
+3.012-3.013
+
+23.03.03
+23.03.27
+
+Project Name
+
+If relevant
+
+If relevant
+
+If relevant
+
+23.03.04
+
+23.03.28
+
+Project
+Common
+Amenities /
+Services
+
+Project
+Common
+Amenities /
+Services
+
+Required if the
+comparable is in a
+condo, co-op, or
+condop, and the row is
+included in the rental
+comparison grid
+
+Common Amenities /
+Services is not
+reported for
+comparables
+
+Required if the
+comparable is in a
+condo, co-op, condop,
+or PUD, and the row is
+included in the rental
+comparison grid
+
+Free-form
+
+Project Information
+•
+Project Name
+18.004
+
+Superior, Similar
+or Inferior
+
+Project Information
+•
+Common
+Amenities /
+Services 18.012
+
+Common Amenities /
+Services Comparison to
+Subject is only
+applicable to
+comparables
+
+No
+
+Note: Neighborhood name may not apply in some areas, such as rural
+areas. In this case, enter None when the row is included in the rental
+comparison grid.
+
+No
+
+Property in a PUD: Indicates whether the property is in a PUD.
+
+No
+
+No
+
+No
+
+No
+
+Property in a Project
+•
+•
+
+Yes (the property is in a condominium, cooperative, or condop)
+No (the property is not in a condominium, cooperative, or condop)
+
+Common Amenities / Services Comparison to Subject: Describes how the
+comparable’s project common amenities and services compare to those
+of the subject property.
+
+Appendix F-1: URAR Reference Guide
+
+Page 294 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+23 Rental Information
+
+Report
+Field ID
diff --git a/chunks/txt/474d2d42e1f80099b8e2d7c42dad9575e4397934df72f79b13c6e087614f110e.txt b/chunks/txt/474d2d42e1f80099b8e2d7c42dad9575e4397934df72f79b13c6e087614f110e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f219eb3470f0dd9e1f083509c044618cef2f0d1d
--- /dev/null
+++ b/chunks/txt/474d2d42e1f80099b8e2d7c42dad9575e4397934df72f79b13c6e087614f110e.txt
@@ -0,0 +1,41 @@
+9
+
+Instead of the Net Rental Income showing up as Subject Positive Cash Flow in the DU
+Findings, the Net Rental Income will show up as Positive Net Rental. The Debt-To-
+Income (DTI) and Housing Expense Ratios will include the Net Rental Income in the
+income amount for the borrower(s) as shown below:
+
+10
+
+Please note that the DU Findings is 32.70% even though the decimal is 32.6949. This is
+because DU rounds to three digits when it consumes data (so 32.695), and the Findings
+rounds this value to two decimals.
+
+9. Why are tip income, automobile allowance, and housing allowance income listed as “Income
+
+from Other Sources”, when they are typically received as a result of employment?
+
+Automobile Allowance, Housing Allowance, as well as Tip Income, are included in the supported
+enumerations for IncomeType (unique id 4.0044) that maps to section “1e. Income from Other Sources” of
+the URLA. No ArcRole is required to associate these Income Types to an employer and the
+EmploymentIncomeIndicator must be set to false.
+
+EmploymentIncomeIndicator (4.0293) = “false”
+IncomeType (4.0044) = “TipIncome” (not on form)
+IncomeType (4.0044) = “AutomobileAllowance” (Listed on form as Automobile Allowance)
+IncomeType (4.0044) = “HousingAllowance” (Listed on form as Housing or Parsonage)
+
+The benefit of sending the specific enumerations in IncomeType (4.0044) is that DU will return specific
+verification messages for each Income Type.
+
+11
+
+10. How does DU use the data points PropertyUsageType (Unique ID 15.0009) and
+
+PropertyUsageTypeOtherDescription (unique ID 15.0010) for owned properties?
+
+In scenarios where the borrower(s) is retaining an owned property but intends on using the property
+differently in the future, it is important for DU to distinguish the intended/future usage from the current
+usage to understand how to underwrite the loans and expenses related to each property. The form field
+“Intended Occupancy” was added to the URLA in sections 3a, 3b. and 3c. The Intended Occupancy is
+reflected in the loan application submission file as PropertyUsageType.
diff --git a/chunks/txt/4751db7e3e8645c066e6c14165ced083f1ff67d70f1d3e3d66463b4fa1d44026.txt b/chunks/txt/4751db7e3e8645c066e6c14165ced083f1ff67d70f1d3e3d66463b4fa1d44026.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3895afc06b359bec30ecda4c507605cd3f7890ff
--- /dev/null
+++ b/chunks/txt/4751db7e3e8645c066e6c14165ced083f1ff67d70f1d3e3d66463b4fa1d44026.txt
@@ -0,0 +1,67 @@
+indicate that the data field is not
+applicable for 2010 and beyond.
+
+V. Applicability of National File C to
+2010 and Subsequent Years
+
+FHFA has determined that the new
+
+National File C should apply to the
+Enterprises for 2010 and subsequent
+years. The Enterprises’ HMDA rate
+spread submissions for 2008–2009
+indicate that the HMDA rate spread
+field is of questionable value for those
+years because some lenders reported
+actual APR instead of HMDA rate
+spread.
+
+For the convenience of the affected
+parties, the Order is recited below in its
+entirety. You may access this Order
+from FHFA’s Web site at http://
+www.fhfa.gov/Default.aspx?Page=43.
+The Order will be available for public
+inspection and copying at the Federal
+Housing Finance Agency, Fourth Floor,
+1700 G St., NW., Washington, DC 20552.
+To make an appointment, call (202)
+414–6924.
+
+VI. Order
+
+Revisions to Enterprise Public Use
+Database Incorporating High-Cost
+Single-Family Securitized Loan Data
+Fields and Technical Data Field
+Changes
+
+Whereas, section 1323(a)(1) of the Federal
+
+Housing Enterprises Financial Safety and
+Soundness Act of 1992 (Safety and
+Soundness Act), as amended, 12 U.S.C.
+4543(a)(1), requires the Director of the
+Federal Housing Finance Agency (FHFA) to
+make available to the public the non-
+proprietary single-family and multifamily
+loan-level mortgage data elements submitted
+to FHFA by the Federal National Mortgage
+Association (Fannie Mae) and the Federal
+Home Loan Mortgage Corporation (Freddie
+Mac) (collectively, the Enterprises) in their
+mortgage reports;
+
+Whereas, the mortgage data submitted by
+Fannie Mae and Freddie Mac are contained
+in their reports required under section
+309(m) of the Federal National Mortgage
+Association Charter Act, as amended, 12
+U.S.C. 1723a(m), and section 307(e) of the
+Federal Home Loan Mortgage Corporation
+Act, as amended, 12 U.S.C. 1456(e),
+respectively (hereafter, Charter Acts), and
+include mortgage data characteristics of
+single-family and multifamily mortgagors
+and data on the Enterprises’ single-family
+and multifamily mortgage purchases;
diff --git a/chunks/txt/477b090402c540c715624fd12a30026046fc6f02fba99b20a44a28eb3b4aa1c2.txt b/chunks/txt/477b090402c540c715624fd12a30026046fc6f02fba99b20a44a28eb3b4aa1c2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5639433b7f926e8a99944c47a98a5a847bdd639c
--- /dev/null
+++ b/chunks/txt/477b090402c540c715624fd12a30026046fc6f02fba99b20a44a28eb3b4aa1c2.txt
@@ -0,0 +1,44 @@
+---
+source_url: "https://www.fhfaoig.gov/"
+date_accessed: "2026-01-27T17:54:20.798Z"
+---
+
+[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
+
+[](/rss.xml)
+
+[](/)
+
+- 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
+
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diff --git a/chunks/txt/4785763da9bffcfb9515dad4222e8f60f27dd5daebd0c89724bc914c0668d438.txt b/chunks/txt/4785763da9bffcfb9515dad4222e8f60f27dd5daebd0c89724bc914c0668d438.txt
new file mode 100644
index 0000000000000000000000000000000000000000..91a7c5fe3d10cbffe14284c1f5e3ace45b5955f4
--- /dev/null
+++ b/chunks/txt/4785763da9bffcfb9515dad4222e8f60f27dd5daebd0c89724bc914c0668d438.txt
@@ -0,0 +1,7 @@
+TITLE-ADD – Subject Address for Report Title .................................................................................................... 18
+
+SUM-HD – Summary Section Title ...................................................................................................................... 18
+
+TAB – Section Title (Black Tab) ........................................................................................................................... 18
+
+TAB-C– Section Title (Black Tab) Continued to Another Page ............................................................................ 19
diff --git a/chunks/txt/479533084dbfd1fed1f68f8730f5c9c9d952c6d47b9a1af71106d0afa49cc73c.txt b/chunks/txt/479533084dbfd1fed1f68f8730f5c9c9d952c6d47b9a1af71106d0afa49cc73c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ad9ce9fc1f402386f00bb64d04f37d94c84bcabf
--- /dev/null
+++ b/chunks/txt/479533084dbfd1fed1f68f8730f5c9c9d952c6d47b9a1af71106d0afa49cc73c.txt
@@ -0,0 +1,55 @@
+Uniform Closing Dataset (UCD) Collection Solution Enhancements
+Quick Guide for UCD Enhancements
+
+This UCD Collection Solution Enhancements guide provides access to this year’s current and upcoming UCD updates in an easy-to-read, all-in-one document. See the 2024
+UCD Release Notes to review an archive of the enhancements to UCD in 2024.
+
+Looking for Feedback Message updates? Review the ‘Revision History’ tab in the Fannie Mae Feedback Messages for a summary of historical edit message updates.
+
+November 13, 2025
+
+On the Horizon
+
+Effective
+Date
+
+November 17
+
+Impacted Area
+
+Edit Message Text
+Revision
+
+Description
+
+The edit message text for the following UCD Phase 3 and Phase 4 edits will be enhanced to more clearly identify the specific
+data point instance, such as the exact fee type, that is triggering the edit. This improvement will help pinpoint the precise
+instance within the UCD XML file that is causing the issue.
+
+Edits: 3801, 3804, 3805, 3806, 3807, 3808, 3809, 3810, 3811, 3812, 4508, 4515, 4521, 4526, 4529, 4530, 4531, 4532, 4533, 4534,
+4535, 4536, 4537, 4538, 4540, 4568, 4573, 4574, 4583, 4599, 4600, 4617, 4618, 4625
+
+November 17
+
+Removal of Edits
+
+The following edit will be removed as it is no longer applicable in UCD v2.0 Spec: 3114.
+
+© 2025 Fannie Mae 11.13.25 Page 1 of 2
+
+In Case You Missed It
+
+Effective
+Date
+
+Impacted Area
+
+Description
+
+September 29
+
+UCD Collection Solution
+
+The UCD Collection Solution will be updated to support UCD v2.0 and related edits, including UCD Critical Edits Phase 3B
+Postponed and Phase 4 on September 29, 2025. These edits will have Warning-to-Fatal severity until the UCD mandates.
+See the UCD page for UCD v2.0 resources and the Fannie Mae Feedback Messages for the list of UCD edits.
diff --git a/chunks/txt/479e2dddf7d75dc843078cc6de48c172e33e977c8ddbe8bc5a847526ff1b92f7.txt b/chunks/txt/479e2dddf7d75dc843078cc6de48c172e33e977c8ddbe8bc5a847526ff1b92f7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a50ca4018a3420d60352df369f0feb45865294c0
--- /dev/null
+++ b/chunks/txt/479e2dddf7d75dc843078cc6de48c172e33e977c8ddbe8bc5a847526ff1b92f7.txt
@@ -0,0 +1,46 @@
+Note: The appraisal must comply with all other requirements in Subpart B4, Underwriting Property section of the Selling Guide.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 64 of 166
+
+UAD 3.6 Policy
+
+SB4-1.2-05, Requirements for Verifying Completion and Postponed
+Improvements (12/10/2025)
+
+Introduction
+
+This topic contains information on requirements for verifying completion of construction and repairs, and requirements for
+postponed improvements, including:
+
+• Overview
+• Completion Report and Completion Alternatives
+• Criteria for Use of the Completion Report and Completion Alternatives
+•
+•
+• Postponed Improvements
+• Requirements for HomeStyle Energy Improvements on Existing Construction
+
+Verification of Completion: New or Proposed Construction
+Verification of Completion: Existing Construction
+
+Overview
+
+Generally, improvements, alterations, and repairs on the subject property must be complete when the loan is sold to Fannie Mae.
+Lenders must obtain evidence of completion and Fannie Mae allows for a variety of methods depending on the type of valuation
+method and condition (subject to completion per plans or subject to repair) that must be confirmed.
+
+Additionally, in some circumstances, Fannie Mae allows a loan to be sold prior to improvements or repairs being completed if the
+lender complies with the requirements related to postponed improvements.
+
+Completion Report and Completion Alternatives
+
+The Completion Report confirms that the requirements or conditions in an appraisal report have been met (such as completion of
+construction or repairs).
+
+The appraiser must utilize the Completion Report based on an on-site or virtual inspection of the property. If the appraiser does
+not perform an on-site inspection, they can use alternative methods to confirm the completion, such as digital photos, site
+videos, or other technological solutions. All completion documentation must include one or more visually verifiable exhibits. A
+link to the digital exhibits from within the report is acceptable but must be accessible by Fannie Mae for the life of the loan. These
+exhibits must be unaltered and able to be authenticated using metadata and the geocode for the subject property.
diff --git a/chunks/txt/47b11595c71555954d21b44bf788dad8e9b5b99246c563c224eecf1b1fe1ddf1.txt b/chunks/txt/47b11595c71555954d21b44bf788dad8e9b5b99246c563c224eecf1b1fe1ddf1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5b57f1167ee2c0c9aeba4b70e5f5802068e53244
--- /dev/null
+++ b/chunks/txt/47b11595c71555954d21b44bf788dad8e9b5b99246c563c224eecf1b1fe1ddf1.txt
@@ -0,0 +1,152 @@
+Federal Housing Finance Agency
+
+6
+
+Field Name
+
+Short Description
+
+Definition
+
+Format
+
+Allowable
+Values
+
+UAD PUF Version 2.1 Data Dictionary
+
+Appraisal Form
+Section
+
+Notes
+
+Disclosure
+Avoidance
+Method
+into which the
+reported value
+falls. For
+example, for a
+reported value of
+$117,835,
+disclosed as
+$115,000
+because it is the
+midpoint
+between
+$110,000 and
+$120,000.
+
+updated_last_15_years Updated Within Last 15
+
+Years Flag
+
+Indicates whether any material
+work was completed on the
+kitchen or bathrooms of the
+residence within the last 15
+years.
+
+Character
+
+'1' = Yes
+'2' = No
+'9' = Missing
+
+Improvements
+
+lot_size
+
+Lot Size
+
+The appraiser-reported subject
+property site size, calculated in
+acres.
+
+Character
+
+Binned into five
+categories.
+
+Sales Comparison
+Approach
+
+'1' = Less than 1/8
+acre
+'2' = 1/8 up to 1/4
+acre
+'3' = 1/4 up to 1/2
+acre
+'4' = 1/2 up to 1
+acre
+'5' = 1+ acre
+'9' = Missing
+
+Federal Housing Finance Agency
+
+7
+
+UAD PUF Version 2.1 Data Dictionary
+
+Field Name
+
+Short Description
+
+Definition
+
+Format
+
+quality
+
+Quality of Construction
+Rating
+
+Appraiser-specified overall
+rating of the subject property's
+construction quality of as of the
+appraisal effective date.
+
+Character
+
+Disclosure
+Avoidance
+Method
+Categories Q5
+and Q6 are
+recoded.
+
+Allowable
+Values
+
+'1' = Q1
+'2' = Q2
+'3' = Q3
+'4' = Q4
+'5' = Q5 and Q6
+'9' = Missing
+
+Appraisal Form
+Section
+
+Notes
+
+Sales Comparison
+Approach
+
+condition
+
+Condition Rating
+
+Appraiser-specified rating of
+the subject property’s
+condition rating as of the
+appraisal effective date.
+
+Character
+
+‘1’ = C1
+‘2’ = C2
+‘3’ = C3
+‘4’ = C4
+‘5’ = C5 and C6
+‘9’ = Missing
diff --git a/chunks/txt/47ba1f484da1541c6150aab4cbbfadadd74b0abcbe62881917b8cd27fe8ace0f.txt b/chunks/txt/47ba1f484da1541c6150aab4cbbfadadd74b0abcbe62881917b8cd27fe8ace0f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8015a25233da3cc964a046f2e60eadb32b148efa
--- /dev/null
+++ b/chunks/txt/47ba1f484da1541c6150aab4cbbfadadd74b0abcbe62881917b8cd27fe8ace0f.txt
@@ -0,0 +1,107 @@
+MISMO v3.3.0 Value
+
+Notes
+
+2.1
+
+Borrower
+
+…/PARTY/ADDRESS
+ES/ADDRESS
+
+AddressLineText
+
+123 Anywhere
+Street
+
+AddressType
+
+Mailing
+
+Not shown – data
+clarity
+
+AddressUnitDesign
+atorType
+
+Unit
+
+AddressUnitIdentifi
+er
+
+C
+
+CityName
+
+Anytown
+
+CountryCode
+
+StateCode
+
+US
+
+ST
+
+PostalCode
+
+12345
+
+Not shown – data
+clarity
+
+2. 2 SELLER (PURCHASE TRANSACTI ON)
+
+1. I NDI VI DUALS
+
+Since the sellers illustrated in Figure 12 are individuals, they are represented on the Closing Disclosure using the
+name data points in Table 23. The value for PartyRoleType does not need to be exactly what is displayed on the
+form if it is equivalent: “PropertySeller” ~ Seller. UCD limits the number of sellers in the XML file to ten. See
+PARTY NAME – INDIVIDUAL in Section V.
+
+Even though the lender may choose to display one address for both Sellers if the sellers share an address, each
+instance of PARTY must have both name and address information. The following table demonstrates this
+situation for Steve and Amy.
+
+Note that if the purpose of the transaction is a refinance or home equity loan, then there is no property seller.
+Section 2.2 Seller is not present or remains blank, and no seller-related data is provided in the XML file.
+
+Appendix E: UCD Implementation Guide
+
+Page 41 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+2.0 Transaction Information
+
+Table 23. Seller Information (Multiple Individuals)
+
+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 PARTY for Steve
+
+2.2
+
+Seller
+
+…/PARTY/INDIVIDUA
+L/NAME
+
+FirstName
+
+LastName
+
+SuffixName
diff --git a/chunks/txt/47e5e5dd95984b772520304478532c3993f0291dc0114ee8f7fb601d93bad1a2.txt b/chunks/txt/47e5e5dd95984b772520304478532c3993f0291dc0114ee8f7fb601d93bad1a2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f30717557da1bf6f04c64676240539b12e5a3782
--- /dev/null
+++ b/chunks/txt/47e5e5dd95984b772520304478532c3993f0291dc0114ee8f7fb601d93bad1a2.txt
@@ -0,0 +1,45 @@
+Note: These QM related fields are now used to calculate checks in Loan Delivery against the following business rules: Edits
+C47, C48, C49, C52, C53, C54.
+
+August 9, 2021
+
+UCD Critical Edits -
+Phase 2
+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.
+
+The UCD Closing Solution will be updated for Phase 2 edits. The edits will have a severity of “warning-to-fatal.” Review the
+UCD Edit Feedback Messages – Phase 2 Edits Tab for a listing of the Phase 2 edit updates (total of 35 edits) including:
+
+•
+•
+
+11 existing edits transition from warning to warning-to-fatal
+24 new warning-to-fatal edits
+
+Note: As of August 6, 2020, Fannie Mae introduced a new severity category of “warning-to-fatal.” If you receive an edit with
+this new category, it means that the edit is a part of the UCD critical edit Phase 2 list of requirements. This does not indicate
+a different severity from “warning,” but provides an indication of Phase 2. As we move forward with other phases, this
+severity will be an indication of one of the remaining phases.
+
+© 2021 Fannie Mae
+
+December 2021 Page 2 of 3
+
+Effective
+Date
+
+July 31, 2021
+
+Impacted Area Description
+
+UCD Critical Edits -
+Phase 1
+Implementation
+
+The following Closing Disclosure section edits are now “fatal” in the UCD Production environment:
+
+• Closing Information
diff --git a/chunks/txt/47ee5e20ef4e20d398b97a02cb800f1b4f4a79408d7c88aceee18466d8aea5a1.txt b/chunks/txt/47ee5e20ef4e20d398b97a02cb800f1b4f4a79408d7c88aceee18466d8aea5a1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e79854a992aa081cc8f2d507c6081bb2b147376f
--- /dev/null
+++ b/chunks/txt/47ee5e20ef4e20d398b97a02cb800f1b4f4a79408d7c88aceee18466d8aea5a1.txt
@@ -0,0 +1,128 @@
+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
+
+View
+Residential
+
+Range of View
+Full
+
+Impact
+Neutral
+
+Site Features and Impact to Value/Marketability
+
+Feature
+Hazard Zone
+
+Detail
+No Hazard Zone Noted
+
+Utilities and Impact to Value/Marketability
+
+Broadband Internet Available
+
+Yes
+
+Impact
+
+Comment
+
+Private
+
+Detail
+
+Private Utility
+Impact
+
+Comment
+
+Electricity
+
+Gas
+
+Sanitary Sewer
+
+Water
+
+Public
+
+
+
+
+
+Apparent Defects, Damages, Deficiencies (Site)
+
+None
+
+Site Exhibits
+
+Property Access (Street Scene)
+
+View - Residential
+
+This is where the Property Access photo would display.
+
+This is where the View photo would display.
+
+Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K
+
+Uniform Residential Appraisal Report
+
+Page 4 of 19
+Page 4 of 19
+
+Sketch
+
+Measurement Standard
+
+ANSI
+
+Sketch
+
+Sketch does not represent actual dimensions of pictures, used for example only. A Sketch
+adherent to the ANSI standard must be measured to the nearest inch or tenth of a foot.
+
+Dwelling Exterior
+
+Subject Property Units in
+Structure
+Dwelling Style
+Front Door Elevation
+Year Built
+Construction Method
+Converted Area
+
+1
+Ranch
+Ground Level
+2018
+Site Built
+None
+
+This is where the Dwelling Front photo would display.
+
+Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K
+
+Uniform Residential Appraisal Report
diff --git a/chunks/txt/47f26faf92b652f0e75d3d2ccc39417b49040256f20d1e7911e64269b3aacaed.txt b/chunks/txt/47f26faf92b652f0e75d3d2ccc39417b49040256f20d1e7911e64269b3aacaed.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f8030730ab70df02d8fbff4ce996784021dc8f66
--- /dev/null
+++ b/chunks/txt/47f26faf92b652f0e75d3d2ccc39417b49040256f20d1e7911e64269b3aacaed.txt
@@ -0,0 +1,159 @@
+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
+None
+
+Data Source
+MLS
+
+Amount
+
+Date
+
+2
+
+3
+
+None
+
+None
+
+MLS
+
+MLS
+
+Analysis of Prior Sale and Transfer History of Comparable Sales None of the comparables utilized in the report have had any additional
+transfers in the past 12 months.
+
+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 16 of 26
+Page 16 of 26
+
+PG BRK
+
+PG BRK
+
+Sales Comparison Approach
+
+Subject Property
+
+Comparable #1
+
+Comparable #2
+
+Comparable #3
+
+General Information
+
+Property Address
+
+171 Cowboy Ln
+Anyplace, TX 01234
+
+181 Cattledrive St
+Anyplace, TX 01234
+
+123 Something Pl
+Anyplace, TX 01234
+
+341 Nothing Dr
+Anyplace, TX 01234
+
+This is where
+the Dwelling Front
+photo would display.
+
+This is where the photo
+of 181 Cattledrive St
+would display.
+
+This is where the photo
+of 123 Something Pl
+would display.
+
+This is where the photo
+of 341 Nothing Dr
+would display.
+
+Data Source
+
+Proximity to Subject
+
+List Price
+
+Listing Status
+
+Sale Price
+
+Sales Concessions
+
+Contract Date
+
+Sale Date
+
+Days on Market
+
+Attached/Detached
+
+Site
+
+Site Size
+
+MLS XY-324811
+
+MLS XY-123994
+
+MLS XY-238849
+
+3 Miles N
+
+$865,000
+
+Settled Sale
+
+$850,000
+
+4.5 Miles S
+
+$755,000
+
+Settled Sale
+
+$750,000
+
+3.5 Miles E
+
+$795,000
+
+Settled Sale
+
+$780,000
+
+No
+
+$0
+
+No
+
+$0
+
+No
+
+$0
+
+03/26/2023
+
+$10,000
+
+12/22/2022
+
+$30,000
+
+02/25/2023
diff --git a/chunks/txt/48018604daa2e5e1d1defc4e8780447987a3839bf24bb260e180439c30922013.txt b/chunks/txt/48018604daa2e5e1d1defc4e8780447987a3839bf24bb260e180439c30922013.txt
new file mode 100644
index 0000000000000000000000000000000000000000..32b350d81e4ff88296bff5f795fccf88678335fe
--- /dev/null
+++ b/chunks/txt/48018604daa2e5e1d1defc4e8780447987a3839bf24bb260e180439c30922013.txt
@@ -0,0 +1,114 @@
+10.028 Allowable Work
+Space
+
+Required if Live/Work
+Space is Yes
+
+Number of square
+feet
+
+The space within the residential unit that is allowed to be used for non-
+residential purposes.
+
+Appendix F-1: URAR Reference Guide
+
+Page 131 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+10 Unit Interior
+
+Example: Live/Work Space
+
+Level and Room Detail
+
+Unit Interior: Level and Room Detail
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+10.029
+
+Level in Unit
+
+Always required for
+each level in the unit
+
+Allowable
+Answers / Format
+
+Level 1, Level 2,
+Level 3 …
+Level B1, Level B2
+…
+
+Definition / Additional Guidance
+
+The specific above grade or below grade level in the living unit, commonly
+referred to as the “level number”.
+Notes:
+•
+
+Levels are located within the unit and do not refer to the Floor Number
+within the building (10.018).
+Levels are named starting at ground level and going up or down.
+If partially or fully below grade (below grade when ANSI applies), the level
+number must start with a B.
+
+•
+•
+
+10.030 Grade Level
+
+Detail
+
+Always required for
+each level in the unit
+
+Choose an
+allowable answer
+from table (Grade
+Level Type)
+
+Grade Level Type: The level’s grade as it relates to ground level.
+•
+•
+•
+
+Above Grade
+Fully Below Grade
+Partially Below Grade
+
+10.030 Grade Level
+
+Detail
+
+10.030 Grade Level
+
+Detail
+
+Required for each level
+in the unit if Grade
+Level Type is Fully
+Below Grade or
+Partially Below Grade
+
+Required for each level
+in the unit if Below
+Grade Access is
+Interior and Exterior
+Access or Exterior
+Access Only
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
diff --git a/chunks/txt/48091c9637ee230ae5c8c047e80cbf8ab034022ed45721b64cf29599a31415fe.txt b/chunks/txt/48091c9637ee230ae5c8c047e80cbf8ab034022ed45721b64cf29599a31415fe.txt
new file mode 100644
index 0000000000000000000000000000000000000000..35b2d0d60e890172fc8feb6d22dcdd4a685ebe45
--- /dev/null
+++ b/chunks/txt/48091c9637ee230ae5c8c047e80cbf8ab034022ed45721b64cf29599a31415fe.txt
@@ -0,0 +1,89 @@
+…/LOAN_DETAIL
+
+…/NEGATIVE_AMO
+RTIZATION_RULE
+
+NegativeAmortizati
+onIndicator
+
+PaymentIncreaseIn
+dicator
+
+NegativeAmortizati
+onLimitMonthsCou
+nt
+
+true
+
+true
+
+48
+
+Not shown -
+Designates the end
+of a payment event
+
+d. BALLOON PAYMENT FEATURE
+
+Figure 60 illustrates a loan with a balloon payment due in 7 years. The loan has a 3-2-1 temporary buy down
+subsidy, with the interest rate increasing each year for three years, and then remaining fixed. There is a final
+balloon payment at the end of year 7. The column heading for a final balloon payment is reflected not as a Year
+Range, but rather as Final Payment. This means that the second and third increases will be grouped together in
+the third Year Range of 3-7, with the minimum amount reflecting the P&I payment for Year 3, and the maximum
+
+Appendix E: UCD Implementation Guide
+
+Page 89 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+5.0 Projected Payments Table
+
+amount reflecting the P&I payment for years 4 – 7. The final payment column is reserved for the balloon
+payment.
+
+5.0 Projected Payments
+
+5.1 Payment Calculation
+
+5.1.1 Year 1
+
+5.1.2 Year 2
+
+5.1.3 Years 3 – 7
+
+5.1.4 Final Payment
+
+5.2 Principal & Interest
+
+5.2.1
+
+5.2.4
+
+5.2.6
+
+$1,251min
+
+5.2.8
+
+5.2.2 $1,007.35
+
+5.2.5 $1,129.61
+
+5.2.7
+
+$1,373max
+
+5.2.9
+
+$149,263
+
+5.2.3
+
+Figure 60. P&I Payment Adjusts - Balloon Feature
+
+Table 77 shows how this data is represented in the XML file. Note that for the final final payment period, the
+value of “Other” must be provided for ProjectedPaymentCalculationPeriodTermType and the value
+“FinalPayment” for ProjectedPaymentCalculationPeriodTermTypeOtherDescription.
diff --git a/chunks/txt/4814a5b115caa4223e7d0556f61a4829b4dd2b8181ddca81a4acaf43340e1128.txt b/chunks/txt/4814a5b115caa4223e7d0556f61a4829b4dd2b8181ddca81a4acaf43340e1128.txt
new file mode 100644
index 0000000000000000000000000000000000000000..10b34c20c3c5721d83cad803edccd4f4e3dced2b
--- /dev/null
+++ b/chunks/txt/4814a5b115caa4223e7d0556f61a4829b4dd2b8181ddca81a4acaf43340e1128.txt
@@ -0,0 +1,29 @@
+2. I accept full responsibility for the contents of this appraisal report including, but not limited to, the appraiser’s analysis, opinions,
+statements, conclusions, and the appraiser’s certification.
+
+3. The appraiser identified in this appraisal report is either a sub-contractor 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 state law.
+
+4. 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
+prepared.
+
+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.
+
+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 (describe) 15 _______________ State # 16 __________
+State 17 ______________________________________________
+Expiration Date of Certification or License 18 _________________
diff --git a/chunks/txt/481be88b02b08cb5b05b958a5fc11557178bed8927e5bbaff263b05d33e5c2fd.txt b/chunks/txt/481be88b02b08cb5b05b958a5fc11557178bed8927e5bbaff263b05d33e5c2fd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7339e03ff80fcef24d33286532a6c07ccbb32239
--- /dev/null
+++ b/chunks/txt/481be88b02b08cb5b05b958a5fc11557178bed8927e5bbaff263b05d33e5c2fd.txt
@@ -0,0 +1,158 @@
+30
+
+1
+
+construct_method
+
+Construction Method
+
+31
+
+1
+
+tract_rural
+
+Rural Census Tract
+
+1 = Site-built
+2 = Manufactured home
+park/community
+9 = Not applicable/missing
+1 = Yes
+0 = No
+
+32
+
+1
+
+county_lower_
+ms_delta
+
+Lower Mississippi Delta
+County
+
+1 = Yes
+0 = No
+
+33
+
+1
+
+county_mid_
+appalachia
+
+Middle Appalachia
+County
+
+1 = Yes
+0 = No
+
+Percentage of units relative to the total units in
+the property that are income-restricted
+pursuant to Federal, State, or local affordable
+housing programs.
+
+Property is located in this geographical area
+that the Duty to Serve regulation (12 CFR
+1282.31-1282.41) identifies for Enterprise
+efforts. The values for this field are supplied
+by FHFA.
+Property is located in this geographical area
+that the Duty to Serve regulation (12 CFR
+1282.31-1282.41) identifies for Enterprise
+efforts. The values for this field are supplied
+by FHFA.
+Property is located in this geographical area
+that the Duty to Serve regulation (12 CFR
+1282.31-1282.41) identifies for Enterprise
+efforts. The values for this field are supplied
+by FHFA.
+
+MF CTF
+
+43
+
+Enterprise Public Use Database Data Dictionary
+Data Release of 2024 Acquisitions
+
+Multifamily Properties
+Census Tract File
+
+Header Name
+
+Field Name
+
+Values
+
+Description / Comments
+
+Federal Housing
+Finance Agency
+
+Field # Field
+Width
+1
+
+34
+
+county_persistent_
+poverty
+
+Persistent Poverty County 1 = Yes
+0 = No
+
+35
+
+1
+
+area_concentrated_
+poverty
+
+Area of Concentrated
+Poverty
+
+1 = Yes
+0 = No
+
+36
+
+1
+
+area_high_opp
+
+High Opportunity Area
+
+37
+
+1
+
+tract_colonias
+
+Colonias Tract
+
+1 = Yes
+0 = No
+
+1 = Yes
+0 = No
+
+Property is located in this geographical area
+that the Duty to Serve regulation (12 CFR
+1282.31-1282.41) identifies for Enterprise
+efforts. The values for this field are supplied
+by FHFA.
+Property is located in this geographical area
+that the Duty to Serve regulation (12 CFR
+1282.31-1282.41) identifies for Enterprise
+efforts. The values for this field are supplied
+by FHFA.
+Property is located in this geographical area
+that the Duty to Serve regulation (12 CFR
+1282.31-1282.41) identifies for Enterprise
+efforts. The values for this field are supplied
+by FHFA.
+Property is located in this geographical area
+that the Duty to Serve regulation (12 CFR
+1282.31-1282.41) identifies for Enterprise
+efforts. The values for this field are supplied
+by FHFA.
diff --git a/chunks/txt/4821a0bb569d1e210ccd6e2479d96f98b2e71a5ee33c843d432a60641daeb19f.txt b/chunks/txt/4821a0bb569d1e210ccd6e2479d96f98b2e71a5ee33c843d432a60641daeb19f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7c369326b621b0c4faa3f963aa4c1527bfdf8269
--- /dev/null
+++ b/chunks/txt/4821a0bb569d1e210ccd6e2479d96f98b2e71a5ee33c843d432a60641daeb19f.txt
@@ -0,0 +1,78 @@
+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 property is outside the city limits and all types of single family development is allowed.
+
+Market
+
+Market Area Boundary Bounded on the East by FM - 2222; bounded on the South by County Road 4000; bounded on the West by Lake
+Virginia; bounded on the North by County Road 1000
+
+Search Criteria Description Search was limited by lot sizes between 25,000 Sq. Ft. and 10 acres. Other limiting factors in the search included
+Year Built (2000+), Double Wide Manufactured Homes, and Water Front.
+
+Search Result Metrics
+
+Active Listings
+
+Median Days on Market
+Lowest List Price
+Median List Price
+Highest List Price
+
+Pending Sales
+
+10
+60
+$95,000
+$450,000
+$600,000
+4
+
+Sales in Past 24 Months
+
+Lowest Sale Price
+Median Sale Price
+Highest Sale Price
+
+Distressed Market Competition
+Graph
+Price Trend Source
+
+17
+$200,000
+$404,000
+$620,000
+Yes
+Price Trend
+Local MLS
+Alpine Gazette
+
+Price Trend Analysis Commentary The Alpine Gazette is a local print media that reports non-MLS home sales and listings. The data includes
+information from both sources, which indicate an overall increase in property values.
+
+Housing Trends
+
+Demand/Supply
+
+Market Commentary
+
+In Balance
+
+Marketing Time
+
+Under 3 months
+
+This rural market has lake front dwellings that vary in type of construction. There are distressed properties currently listed. These properties
+represent the low limit of the area price range.
diff --git a/chunks/txt/4833ce1ac2c6ce90a096ba445eb5eb514b180f97a565eb9360750d41dd2f29cc.txt b/chunks/txt/4833ce1ac2c6ce90a096ba445eb5eb514b180f97a565eb9360750d41dd2f29cc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dcbdacc8955056529fbbccf97c42dd1434b1e0de
--- /dev/null
+++ b/chunks/txt/4833ce1ac2c6ce90a096ba445eb5eb514b180f97a565eb9360750d41dd2f29cc.txt
@@ -0,0 +1,31 @@
+[ Download Full Bio](/sites/default/files/2025-09/Bio-Director-William-J-Pulte.pdf)
+
+Sign up for email updates
+
+Leave this field blank
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [](https://www.facebook.com/FHFA)
+ - [](https://www.x.com/FHFA)
+ - [](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [](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/4843c0e8ae92f7935a05a5ab0843032c6954d87ee254e3f34b30858228bcef69.txt b/chunks/txt/4843c0e8ae92f7935a05a5ab0843032c6954d87ee254e3f34b30858228bcef69.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6eb09703c71634287f01c3b50f08a64dc6b8f794
--- /dev/null
+++ b/chunks/txt/4843c0e8ae92f7935a05a5ab0843032c6954d87ee254e3f34b30858228bcef69.txt
@@ -0,0 +1,21 @@
+Page [Page] of [Pages]
+
+Functional Obsolescence
+
+Functional Issues(cid:1)
+
+(cid:20)(cid:20)(cid:17)(cid:19)(cid:19)(cid:19)
+
+Functional Obsolescence Commentary
+
+(cid:20)(cid:20)(cid:17)(cid:19)(cid:19)(cid:20)
+Functional Obsolescence Exhibits
+
+(cid:20)(cid:20)(cid:17)(cid:19)(cid:19)(cid:21)(cid:17)(cid:20)(cid:3)(cid:3)(cid:95)(cid:3)(cid:3)(cid:20)(cid:20)(cid:17)(cid:19)(cid:19)(cid:21)(cid:17)(cid:21)
+
+Appraisal Version #
+
+(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21)
+
+(cid:38)(cid:65)(cid:78)(cid:78)(cid:73)(cid:69)(cid:0)(cid:45)(cid:65)(cid:69)(cid:0)(cid:92)(cid:0)(cid:38)(cid:82)(cid:69)(cid:68)(cid:68)(cid:73)(cid:69)(cid:0)(cid:45)(cid:65)(cid:67)(cid:0)
+(cid:51)(cid:69)(cid:80)(cid:84)(cid:69)(cid:77)(cid:66)(cid:69)(cid:82)(cid:0)(cid:18)(cid:16)(cid:18)(cid:20)(cid:0)
diff --git a/chunks/txt/484dfcfc42ffb7a252584be6a87f883d9f70ab817c9886840a0e6c97e4767755.txt b/chunks/txt/484dfcfc42ffb7a252584be6a87f883d9f70ab817c9886840a0e6c97e4767755.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1e2c67179382919634692e698621ce12c0652b70
--- /dev/null
+++ b/chunks/txt/484dfcfc42ffb7a252584be6a87f883d9f70ab817c9886840a0e6c97e4767755.txt
@@ -0,0 +1,124 @@
+2. PURCHASE
+
+The Purpose of the loan is “Purchase” when the borrower intends to use the proceeds to buy the property
+described in 1.6 and 17.6:
+
+3.0 Loan Information
+
+3.1Loan Term 30 Years
+
+3.2 Purpose Purchase
+
+3.3 Product
+
+Fixed Rate
+
+Figure 18. Purpose = “Purchase”
+
+6 3.2 Purpose = “Purchase” when the loan is used to both purchase land and build a structure on that land.
+7 3.2 Purpose = “Construction Loan” If the land upon which the structure will be built is not being acquired with the same
+loan.
+
+Appendix E: UCD Implementation Guide
+
+Page 49 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 32. Purpose = “Purchase”
+
+3.2
+
+Purpose
+
+UID
+16.015
+
+UID
+3.016
+
+N/A – GSE
+
+N/A – GSE
+
+…/DOCUMENT_SPEC
+IFIC_DATA_SET/INTE
+GRATED_DISCLOSUR
+E/INTEGRATED_DISC
+LOSURE_DETAIL
+
+IntegratedDisclosure
+HomeEquityLoanIndi
+cator
+
+false
+
+…/LOAN/LOAN_DET
+AIL
+
+ConstructionLoanInd
+icator
+
+false
+
+…/LOAN_DETAIL/EXT
+ENSION/OTHER
+
+gse:SubordinateFina
+ncingIsNewIndicator
+
+false
+
+…/LOAN/TERMS_OF
+_LOAN
+
+LienPriorityType
+
+FirstLien
+
+3.2
+
+Purpose
+
+LoanPurposeType
+
+Purchase
+
+Not shown – data
+clarity
+
+Not shown – data
+clarity
+
+Not shown – data
+clarity
+
+Not shown – data
+clarity
+
+3. REFI NANCE
+
+The Purpose of the loan is “Refinance” when 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.
+
+3.0 Loan Information
+
+3.1 Loan Term 30 Years
diff --git a/chunks/txt/4850c18a58e0f592c35f05e12f5f578d93741408d52daf20370f434971ba616f.txt b/chunks/txt/4850c18a58e0f592c35f05e12f5f578d93741408d52daf20370f434971ba616f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..307410936f0012773d729cad4502caceb053c1c0
--- /dev/null
+++ b/chunks/txt/4850c18a58e0f592c35f05e12f5f578d93741408d52daf20370f434971ba616f.txt
@@ -0,0 +1,21 @@
+Signature
+
+Appraiser
+Annie Appraiser
+Annie Appraiser
+
+08/28/2019
+
+Date of Signature and Report
+
+Level
+ID
+State
+Expires
+
+Certified General
+294210393
+DC
+02/28/2020
+
+Appraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024
diff --git a/chunks/txt/486299ef2db3fc0d1706c04f2d40d156d6498787039c0b0c91e856db5e6bb60a.txt b/chunks/txt/486299ef2db3fc0d1706c04f2d40d156d6498787039c0b0c91e856db5e6bb60a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..360bb8f3532a31c93532357a849cd409362d1abc
--- /dev/null
+++ b/chunks/txt/486299ef2db3fc0d1706c04f2d40d156d6498787039c0b0c91e856db5e6bb60a.txt
@@ -0,0 +1,50 @@
+Example 1: One Subject Unit with 4 Rental Comparables (Figure 23 - 3)
+
+If there is one subject unit in Rental Information with 3 rental comparable units:
+
+• Display the subject unit and the 4 rental comparable units in a single grid.
+• Display Comp #s in numerical order.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Figure 23 - 3
+
+Page 309
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Example: Multiple Subject Units, each with 3 Rental Comparables (Figure 23 - 4)
+
+If there are multiple subject units in Rental Information, each with 3 rental comparables:
+
+• Display 2 grids (2 subject units and their rental comparable units) going across the page. (Figure 23 - 4)
+
+▪ Display additional grids (additional subject property units and their rental comparable units) underneath.
+▪ Display applicable Comp #s for each subject property units in numerical order.
+
+Figure 23 - 4
+
+Page 310
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 311
+
+Units with more than 3 Rental Comparables (Figure 23 - 5)
+
+If any unit in Rental Information has between 4 and 7 rental comparables:
+
+• Display each subject property unit and its comparable units in a single grid.
+•
+• Display applicable Comp #s for each subject property unit in numerical order.
+
+If there are multiple units in Rental Information, display the next subject unit’s grid underneath.
+
+Example:
+
+• Comp #s used in this example are the PropertyOrdinalNumber (UID: 2000.0078, FID: 23.02.02, 23.03.24) from the Comparable
+
+Rental Properties subsection.
+
+• 2 subject units in Rental Information, each with the maximum of 7 rental comparables.
+• There are 9 rental comparables overall, 7 compared to each subject property unit. (Figure 23 - 4)
diff --git a/chunks/txt/48639664941bd8c89de4a9483fae3e28f500d44cd31dabdbd7a10579eca0e507.txt b/chunks/txt/48639664941bd8c89de4a9483fae3e28f500d44cd31dabdbd7a10579eca0e507.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7f55e8aa7174829c9a63233d68f1c1051b523af3
--- /dev/null
+++ b/chunks/txt/48639664941bd8c89de4a9483fae3e28f500d44cd31dabdbd7a10579eca0e507.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/programs/fraud-prevention"
+date_accessed: "2026-01-27T17:47:50.322Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/486a98f6d988640f8f75c587b73c3190e6b929135b9c2453423ce5224f533cc9.txt b/chunks/txt/486a98f6d988640f8f75c587b73c3190e6b929135b9c2453423ce5224f533cc9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dfcb2853791da46dcd85dc3c767aaa1cc62c797d
--- /dev/null
+++ b/chunks/txt/486a98f6d988640f8f75c587b73c3190e6b929135b9c2453423ce5224f533cc9.txt
@@ -0,0 +1,47 @@
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 11 of 76
+
+Section III. Using the MISMO v3.0 Logical Data Dictionary
+
+Example III-4. Other / OtherDescription.
+
+
+
+In the case of data points like AutomatedUnderwritingSystemType and
+AVMModelNameType, the “OtherDescription” field could be used if a new
+AUS or AVM becomes available that did not exist when the standard was
+published:
+AutomatedUnderwritingSystemType = “Other”
+AutomatedUnderwritingSystemTypeOtherDescription = “NewAUS”
+Definition: A free form text field used to collect additional information
+
+when Other is selected for Automated Underwriting
+System Type.
+
+AVMModelNameType = “Other”
+AVMModelNameTypeOtherDescription = “NewAVM”
+
+Definition: The name of the AVM model used to calculate the
+
+valuation of the subject property when Other is selected
+from the enumerated list.
+
+ Similarly, the MICompanyNameTypeOtherDescription data point would
+be needed if a business partner needs to identify new or specialized
+mortgage insurance (MI) companies:
+MICompanyNameType = “Other”
+MICompanyNameTypeOtherDescription = “NewMICompany”
+Definition: A free-form text field used to capture the mortgage
+
+insurance company name if Other is selected as the
+mortgage insurance company name.
+
+ The most common situation will be that the list of MISMO standard
+enumerations does not include a valid value needed by a business
+partner’s process:
+CounselingConfirmationType = “Other”
+CounselingConfirmationTypeOtherDescription =
+“ProprietaryCounselingConfirmationTypeValue”
diff --git a/chunks/txt/4872b47ed2fd3b54520318acb8dfd6cb927b90c770904afaa45601b9f5ac2fb0.txt b/chunks/txt/4872b47ed2fd3b54520318acb8dfd6cb927b90c770904afaa45601b9f5ac2fb0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bb6baa845b68ebef777e3f042691710c47df73c9
--- /dev/null
+++ b/chunks/txt/4872b47ed2fd3b54520318acb8dfd6cb927b90c770904afaa45601b9f5ac2fb0.txt
@@ -0,0 +1,113 @@
+This is where the 3rd Bedroom photo would display.
+
+Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K
+
+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 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
diff --git a/chunks/txt/487b911330713e9c76a43be851a93e57c581dddd3f42e891983658df9bef767a.txt b/chunks/txt/487b911330713e9c76a43be851a93e57c581dddd3f42e891983658df9bef767a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f412dee2a61ef0ca62bd2036c1cf1e2a22f01b1d
--- /dev/null
+++ b/chunks/txt/487b911330713e9c76a43be851a93e57c581dddd3f42e891983658df9bef767a.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/"
+date_accessed: "2026-01-27T18:10:30.844Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/48892ecdc5e35970ad6dd289dbc891f2e978ad41c248a4c188ec003cd261dd6b.txt b/chunks/txt/48892ecdc5e35970ad6dd289dbc891f2e978ad41c248a4c188ec003cd261dd6b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2295b5234333c2c88b2fe05de02cede4106b3f48
--- /dev/null
+++ b/chunks/txt/48892ecdc5e35970ad6dd289dbc891f2e978ad41c248a4c188ec003cd261dd6b.txt
@@ -0,0 +1,40 @@
+
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+29 Certifications and Scope of Work
+
+Page 362
+
+The Certifications and Scope of Work sections always display on the PDF. They will not be delivered in the XML unless there is a datapoint
+that provides space for commentary (e.g., Additional Scope of Work, Additional Intended User, Description of Prior Services, etc.).
+
+Scope of Work
+
+The Scope of Work subsection always displays.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Report
+Field ID
+
+29.000
+
+Scope of Work Text
+
+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
+
+29.001
+
+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/488f7b7f9d26092d50c362dadfbf31c2f0f6bfd98f1b3a8075259480cfb0508b.txt b/chunks/txt/488f7b7f9d26092d50c362dadfbf31c2f0f6bfd98f1b3a8075259480cfb0508b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8530a4944f21acd5acb4a1e6b3ec3bbca3115f83
--- /dev/null
+++ b/chunks/txt/488f7b7f9d26092d50c362dadfbf31c2f0f6bfd98f1b3a8075259480cfb0508b.txt
@@ -0,0 +1,203 @@
+8.17 N/A
+
+N/A - GSE
+
+UID
+8.186
+
+8.17.1 Home Inspection
+
+Fee to _____
+
+Uniform Closing Dataset
+
+8.0 Other Costs Table
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0
+Value
+
+Notes
+
+Table 100. Other Line Items
+
+8.17
+
+Home Warranty
+Fee
+
+8.17 N/A – XML
+
+8.17 N/A
+
+N/A - GSE
+
+UID
+8.186
+
+8.17.1 Home Warranty
+
+Fee to ____
+
+…/FEE/FEE_PAID_T
+O/LEGAL_ENTITY/L
+EGAL_ENTITY_DETA
+IL
+
+@gse:DisplayLabelT
+ext
+
+Home Warranty
+Fee
+
+ROF as “Home
+Warranty Fee”
+
+IntegratedDisclosur
+eSectionType
+
+OtherCosts
+
+OptionalCostIndicat
+or
+
+false
+
+RegulationZPointsA
+ndFeesIndicator
+
+true
+
+FullName
+
+Engineers, Inc.
+
+Not shown unless =
+“true”
+
+Not Shown –
+ATR/QM
+
+Payee company
+name
+
+8.17.2 Seller-Paid Before
+Closing ($)
+
+…/FEE/FEE_PAYME
+NTS/FEE_PAYMENT
+
+FeeActualPayment
+Amount
+
+750.00
+
+ROF as “$750.00”
+
+8.17.2 Seller-Paid
+
+8.17.2 Before Closing
+
+FeePaymentPaidBy
+Type
+
+Seller
+
+FeePaymentPaidOu
+tsideOfClosingIndic
+ator
+
+true
+
+Fourth Instance of FEE
+
+ROF as “Seller-
+Paid”
+
+ROF as “Before
+Closing”
+
+N/A - GSE
+
+…/FEE/FEE_DETAIL
+
+FeePaidToType
+
+ThirdPartyProvider Not shown –
+
+UID
+8.180
+
+8.17 Mold Inspection
+
+8.17 N/A – XML
+
+8.17 N/A
+
+N/A - GSE
+
+UID
+8.186
+
+8.17.1 Mold Inspection to
+
+_____
+
+…/FEE/FEE_PAID_T
+O/LEGAL_ENTITY/L
+EGAL_ENTITY_DETA
+IL
+
+FeeType
+
+MoldInspection
+
+@gse:DisplayLabelT
+ext
+
+IntegratedDisclosur
+eSectionType
+
+Mold Inspection
+
+OtherCosts
+
+OptionalCostIndicat
+or
+
+false
+
+RegulationZPointsA
+ndFeesIndicator
+
+true
+
+FullName
+
+Inspector, Inc.
+
+ATR/QM
+
+ROF as “Mold
+Inspection”
+
+Not shown unless =
+“true”
+
+Not Shown –
+ATR/QM
+
+Payee company
+name
+
+8.17.2 Paid by Others At
+Closing ($)
diff --git a/chunks/txt/4895253975c9fa5f90d54307dc82f2228f5d119367645863888291382b3dcc12.txt b/chunks/txt/4895253975c9fa5f90d54307dc82f2228f5d119367645863888291382b3dcc12.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8de43a96b2c6e2afb2c7ca8abf0f283443006b47
--- /dev/null
+++ b/chunks/txt/4895253975c9fa5f90d54307dc82f2228f5d119367645863888291382b3dcc12.txt
@@ -0,0 +1,89 @@
+Right-hand side of page
+
+•
+
+•
+
+•
+
+“Credentials” sets as TX-B.
+
+“Level,” “ID,” “State,” “Expires” set as TXR-I, TXR.
+
+“ASC Identifier,” “VA Appraiser ID,” “FHA Appraiser ID,” “Employment Type” set as TXR-B,
+TXR.
+
+Significant Real Property Appraisal Assistance (H2)
+
+Left-hand side of page
+
+•
+
+“Name” sets as TXR-I, TXR.
+
+Right-hand side of page
+
+•
+
+•
+
+“Credentials” sets as TX-B.
+
+“Level,” “ID,” “State,” “Expires” set as TXR-I, TXR.
+
+Full page width
+
+•
+
+“Description” sets as TXC-B bold run into TXC x 45 picas.
+
+Appendix E: Report Style Guide
+
+Page 35 of 90
+
+Version 1.4
+
+Property Data Report (H2)
+
+Left-hand side of page
+
+•
+
+•
+
+•
+
+“Name,” “Occupation,” “Company Name,” “Company Address,” “Reference ID,” set as TXR-I,
+TXR.
+
+“Subject Property Inspection,” sets as TXR-I.
+
+“Exterior,” “Interior,” “Inspection Date” set as TXR-II, TXR.
+
+Assignment Information and Scope of Work Commentary (H1)
+
+Set Commentary as TXC x 45 picas.
+
+Assignment Information Exhibits (H1)
+
+Subsection does not display if there are no exhibits.
+
+“Subject Property” sets as TAB.
+
+Left-hand side of page
+
+•
+
+•
+
+“Physical Address,” “Alternate Physical Address,” “County,” Neighborhood Name,” set as
+TXR-B, TXR
+
+“Yes” “No” (Y/N) followed by “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” set as CK1 with checkboxes.
+
+•
+
+“Construction Stage” sets as TXR-B, TXR.
diff --git a/chunks/txt/489e83653aeb09bbfed677e177d3382dee007e6bdfd5319fff55f2f7337910ba.txt b/chunks/txt/489e83653aeb09bbfed677e177d3382dee007e6bdfd5319fff55f2f7337910ba.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d714f39951ea4cc53a151c811fca502351e7b6fe
--- /dev/null
+++ b/chunks/txt/489e83653aeb09bbfed677e177d3382dee007e6bdfd5319fff55f2f7337910ba.txt
@@ -0,0 +1,29 @@
+Lender Requirements
+
+Fannie Mae requires the lender to disclose any apparent environmental conditions to the appraiser and note in the individual
+loan file accordingly if the real estate agent, the property seller, the property purchaser, or any other party to the loan transaction
+informs the lender that an environmental condition exists in or on the property, or in the vicinity of the property. Fannie Mae also
+requires the lender to disclose such information to the borrower, and to comply with any state or local environmental laws
+regarding disclosure.
+
+The lender must make the final decision about the need for inspections and the adequacy of the property as security for the loan.
+For example, because Fannie Mae requires the appraiser to comment on the effect of an environmental condition on the value
+and marketability of the subject property, the appraiser would have to note when there is market resistance to an area because of
+an environmental condition or any other conditions that affect the well, septic, or public water facilities. When the lender has
+reason to believe the private well water on or available to a property might be contaminated as a result of the proximity of the
+well to a hazardous waste site, the lender is exercising sound judgment if it obtains a “well certification” to determine whether
+the water meets community standards.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 118 of 166
+
+UAD 3.6 Policy
+
+SB4-1.4-09, Special Assessment or Community Facilities Districts Appraisal
+Requirements (06/04/2025)
+
+Introduction
+
+This topic contains information on special appraisal considerations for properties in special assessment or community facilities
+districts, including:
diff --git a/chunks/txt/48c5bf6043a43dc4c4c96f613b8f27bf036bc0feea3e9e274222d1984e257617.txt b/chunks/txt/48c5bf6043a43dc4c4c96f613b8f27bf036bc0feea3e9e274222d1984e257617.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5eace4579a93d71bfbc82eb7f57e9fa264c69fd8
--- /dev/null
+++ b/chunks/txt/48c5bf6043a43dc4c4c96f613b8f27bf036bc0feea3e9e274222d1984e257617.txt
@@ -0,0 +1,57 @@
+14.004
+
+Detail
+
+0200.0025
+0200.0019
+
+AmenityAreaMeasure
+o Display the area and unit of measure in the same cell.
+AmenityAttachedToManufacturedHomeIndic
+-
+ator
+
+If (Construction Method Type = "Manufactured Home") OR (Outbuilding Type = “Manufactured
+Home”)
+
+-
+
+AmenityCategoryType = “OutdoorLiving” AND AmenityType = “Balcony” OR “Deck” OR “Gazebo” OR
+“Patio” OR “Porch”
+
+14.004
+
+Detail
+
+0200.0012
+
+SwimmingPoolFeatureType
+
+o When “true”, display on 2nd line in cell, "Attached to Manufactured Home"
+o When “false”, display on 2nd line in cell, "Not Attached to Manufactured Home"
+
+IF AmenityType = "IngroundPool" OR “IngroundSpa” OR “Sauna” AND Detail is provided.
+Note: When there are multiple features, separate with “|” (e.g., Heated | Caged) (Figure 14 - 5)
+
+Note: AmenityCount is required for IndoorFireplace or WoodStove. It may not be used for Balcony, Deck,
+
+Gazebo, IngroundPool, IngroundSpa, Patio, Porch, Portico, Sauna or None. For all other amenity
+types, AmenityCount may be used.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Figure 14 - 4
+
+Page 225
+
+Figure 14 - 5
+
+Apparent Defects, Damages, Deficiencies (Subject Property Amenities)
+
+Any significant adverse issue(s) pertaining to the subject amenities displays in Apparent Defects, Damages, Deficiencies (Subject Property
+Amenities).
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+The defects, damages, and deficiencies in the amenities section uses an arcrole relationship to join the DEFECT to the applicable instance of
+AMENITY (with relevant AmenityCategoryType). (See Subject Property Amenities – Arcrole Relationships for details.)
diff --git a/chunks/txt/48cc4fc8770a647cf2df58a440425d52dee395059ad00252dab60a31964d064a.txt b/chunks/txt/48cc4fc8770a647cf2df58a440425d52dee395059ad00252dab60a31964d064a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..956351ef5bfa8ba03bbfdcf03bf21538966563c7
--- /dev/null
+++ b/chunks/txt/48cc4fc8770a647cf2df58a440425d52dee395059ad00252dab60a31964d064a.txt
@@ -0,0 +1,73 @@
+/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier
+Name
+
+50
+
+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.
+
+Form FNM 2055 FRE 2055
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 207 of 211
+
+Document Version 1.4
+
+If field 3-42 (Project Developer Controls Project
+Management Indicator = 'Y') and one of fields 1-
+132, 1-133 (Attachment Type = 'Attached' or
+'SemiDetached') are indicated then one and only
+one of fields 3-56, 3-57 (values of Project
+Contains Multiple Dwelling Units Indicator)
+should be indicated.
+This field should be populated if field 3-42
+(Project Developer Controls Project
+Management Indicator = 'Y') and one of fields 1-
+132, 1-133 (Attachment Type = 'Attached' or
+'SemiDetached') are indicated.
+If both field 3-42 (Project Developer Controls
+Project Management Indicator = 'Y') and one of
+fields 1-132, 1-133 (Attachment Type =
+'Attached' or 'SemiDetached') are indicated then
+one and only one of fields 3-59, 3-60 (values of
+Project Common Elements Completed
+Indicator) should be indicated.
+If both field 3-42 (Project Developer Controls
+Project Management Indicator = 'Y') and one of
+fields 1-132, 1-133 (Attachment Type =
+'Attached' or 'SemiDetached') are indicated then
+one and only one of fields 3-59, 3-60 (values of
+Project Common Elements Completed
+Indicator) should be indicated.
+This field should be populated if field 3-60
+(Project Common Elements Completed
+Indicator = 'N') is indicated.
+If both field 3-42 (Project Developer Controls
+Project Management Indicator = 'Y') and one of
+fields 1-132, 1-133 (Attachment Type =
+'Attached' or 'SemiDetached') are indicated then
+one and only one of fields 3-62, 3-63 (values of
+Project Common Elements Leased Indicator)
+should be indicated.
+If both field 3-42 (Project Developer Controls
+Project Management Indicator = 'Y') and one of
+fields 1-132, 1-133 (Attachment Type =
+'Attached' or 'SemiDetached') are indicated then
+one and only one of fields 3-62, 3-63 (values of
+Project Common Elements Leased Indicator)
+should be indicated.
+This field should be populated if field 3-62
+(Project Common Elements Leased Indicator =
+'Y') is indicated. This is a free text field which
+should describe the rental terms and options.
+This field should be populated if field 3-42
+(Project Developer Controls Project
+Management Indicator = 'Y') and one of fields 1-
+132, 1-133 (Attachment Type = 'Attached' or
+'SemiDetached') are indicated.
diff --git a/chunks/txt/48ceee53951cf9e9a97f6207b43e5678469b98c41dccaa1f02560ce67baca5bb.txt b/chunks/txt/48ceee53951cf9e9a97f6207b43e5678469b98c41dccaa1f02560ce67baca5bb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8227ce7435c73cef699ecfd40556a4a7e421f6fc
--- /dev/null
+++ b/chunks/txt/48ceee53951cf9e9a97f6207b43e5678469b98c41dccaa1f02560ce67baca5bb.txt
@@ -0,0 +1,96 @@
+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_2016
+
+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
diff --git a/chunks/txt/48d31a06a03ca9d52ea291c797adf2774bb8b9b885c4d99466860533d819458b.txt b/chunks/txt/48d31a06a03ca9d52ea291c797adf2774bb8b9b885c4d99466860533d819458b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ce86a1508c4f614c3a36e1fbde2160fbc896df24
--- /dev/null
+++ b/chunks/txt/48d31a06a03ca9d52ea291c797adf2774bb8b9b885c4d99466860533d819458b.txt
@@ -0,0 +1,33 @@
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 134
+
+The Apparent Defects, Damages, Deficiencies (Site) subsection header always displays.
+
+• When SiteDefectsExistIndicator (UID: 1500.0178, FID: 4.099) = “false”, “None” displays in the section.
+• When SiteDefectsExistIndicator (UID: 1500.0178, FID: 4.099) = “true”, “The items listed below represent the As Is condition as
+
+of the effective date of this report” displays and additional data is required.
+
+o Feature – Provide the value “Other” for DefectComponentLabelType (UID: 3900.0122, FID: Not on report) AND the text
+provided in DefectComponentLabelTypeOtherDescription (UID: 3900.0123, FID: 4.100|4.100.1) displays under the
+Feature column.
+
+o Location – Provide the value “Other” for DefectItemLocationType (UID: 3900.0127, FID: Not on report) AND the text
+
+provided in DefectItemLocationTypeOtherDescription (UID: 3900.0159, FID: 4.101) displays under the Location column.
+
+o Description - DefectItemDescription (UID: 3900.0125, FID: 4.102) always displays.
+o Affects Soundness or Structural Integrity - DefectItemAffectsSoundnessStructuralIntegrityIndicator (UID: 3900.0124,
+
+FID: 4.103) always displays.
+
+o Recommended Action - DefectItemRecommendedActionType (UID: 3900.0128, FID: 4.104)
+
+• Each defect identified in this section must be associated with site. i.e., the DEFECT container must be linked to SITE container
+
+with an arcrole (for details see the Site – Arcrole Relationship section below).
+
+Site Valuation Methodology
+
+The Site Valuation Methodology subsection displays when (CostApproachIndicator = "false" AND SiteValueIndicator = "true"). (Figure 4 - 11)
diff --git a/chunks/txt/48d6a8bbb5a61f947121712b28f1cddc97ba4274b20e8f47a19cb586e6389043.txt b/chunks/txt/48d6a8bbb5a61f947121712b28f1cddc97ba4274b20e8f47a19cb586e6389043.txt
new file mode 100644
index 0000000000000000000000000000000000000000..00256e5ca2a94b861341c13ba4429318f6dae909
--- /dev/null
+++ b/chunks/txt/48d6a8bbb5a61f947121712b28f1cddc97ba4274b20e8f47a19cb586e6389043.txt
@@ -0,0 +1,49 @@
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 120 of 166
+
+UAD 3.6 Policy
+
+SB4-1.4-10, Value Acceptance (09/03/2025)
+
+Introduction
+
+This topic contains information about value acceptance, including:
+
+Eligible Transactions
+Ineligible Transactions
+
+• Overview
+• Prior Appraisal Requirements
+•
+•
+• Representations and Warranties
+• Rural High-Needs Value Acceptance
+•
+
+Exercising Value Acceptance
+
+Overview
+
+For certain loan casefiles, DU offers value acceptance, in which case an appraisal is not required. For loan casefiles that are not
+eligible for value acceptance, DU will require either a Uniform Residential Appraisal Report (URAR) or value acceptance + property
+data.
+
+Prior Appraisal Requirements
+
+For value acceptance to be considered, generally a prior appraisal must be found for the subject property in Fannie Mae’s
+Collateral Underwriter (CU) data. When required, DU will compare the address for the subject property to the property addresses
+found in CU. DU will use the information from the prior appraisal to determine if the loan casefile is eligible for value acceptance.
+In some cases, the prior appraisal report may not be acceptable. For example, if a CU “Overvaluation Flag” was issued on the prior
+appraisal, or the appraisal report could not be scored, that prior appraisal will not be used and value acceptance will not be
+offered on the new loan casefile.
+
+Eligible Transactions
+
+A value acceptance offer will be considered for the following transactions:
+
+• one-unit properties, including condos;
+• principal residence and second home transactions;
+•
+•
+• DU loan casefiles that receive an Approve/Eligible recommendation.
diff --git a/chunks/txt/48db6524a12f6884415ff587f0460cd5b727416069e1f3f78741117b42b1ebfd.txt b/chunks/txt/48db6524a12f6884415ff587f0460cd5b727416069e1f3f78741117b42b1ebfd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..87668ba822b96a2c0245377330778983f6313842
--- /dev/null
+++ b/chunks/txt/48db6524a12f6884415ff587f0460cd5b727416069e1f3f78741117b42b1ebfd.txt
@@ -0,0 +1,220 @@
+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 2024
+
+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
+
+Engineered Wood
+
+Q5
+
+Q5
+
+Q5
+
+Wood
+
+Q4
+
+Engineered Wood
+
+Building 1
+
+Building 1
+
+Building 1
+
+Building 1
+
+Post and Pier
+
+Post and Pier
+
+Post and Pier
+
+Metal
+
+C4
+
+Metal
+
+C4
+
+Metal
+
+C4
+
+Slab
+
+Metal
+
+C4
+
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+New or Like New
+
+New or Like New
+
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+Building 2
+
+Building 2
+
+Building 2
+
+—
+
+Exterior Walls and Trim
+
+Engineered Wood
+
+Engineered Wood
+
+Q5
+
+Q4
+
+Post and Pier
+
+Metal
+
+C4
+
+Slab
+
+Metal
+
+C4
+
+Q5
+
+Wood
+
+Post and Pier
+
+Metal
+
+C4
+
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+New or Like New
+
+New or Like New
+
+Typical Wear and Tear
+
+Foundation
+
+Roof
+
+Condition
+
+Roof
diff --git a/chunks/txt/48e16dd2db16711c40cc5429088fa400a097076e1be2978a3487fb4a7b179d71.txt b/chunks/txt/48e16dd2db16711c40cc5429088fa400a097076e1be2978a3487fb4a7b179d71.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f3fecd2cc1b3c22b66d0db57ce7d65ae6dd41deb
--- /dev/null
+++ b/chunks/txt/48e16dd2db16711c40cc5429088fa400a097076e1be2978a3487fb4a7b179d71.txt
@@ -0,0 +1,10 @@
+Release Support
+The DU validation service changes will be implemented in the DU integration environment on or about February 21, 2025.
+
+If you have questions about the Integration Impact Memo or if you require support specific to this release, contact Integration
+Support. For more information about the DU validation service, visit the DU validation service webpage or contact your Fannie
+Mae representative.
+
+© 2025 Fannie Mae. Trademarks of Fannie Mae. 1.23.2025
+
+1 of 1
diff --git a/chunks/txt/48e39432adcca5661ee8e62c878ee2da8ea70c249286ccebae88e3c77171fe7c.txt b/chunks/txt/48e39432adcca5661ee8e62c878ee2da8ea70c249286ccebae88e3c77171fe7c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..680715cec5dc357b4f995c21675d8f156efcee95
--- /dev/null
+++ b/chunks/txt/48e39432adcca5661ee8e62c878ee2da8ea70c249286ccebae88e3c77171fe7c.txt
@@ -0,0 +1,357 @@
+0
+
+SaleDate
+
+0
+
+SiteSize
+
+0
+
+YearBuilt
+
+0
+
+LivingUnitStandardFinishedAreaAboveGrade
+
+0
+
+LivingUnitStandardFinishedAreaBelowGrade
+
+870000
+
+North
+
+Most
+
+false
+
+Conventional
+
+266
+
+1
+
+.09
+
+0
+
+Dwelling
+
+2015
+
+false
+
+72
+
+3272
+
+620
+
+false
+
+5
+
+4
+
+1
+
+C3
+
+Q2
+
+RowhouseTownhouse
+
+Brick
+
+Wood
+
+ExteriorWallsAndTrim
+
+C3
+
+Q3
+
+1
+
+false
+
+false
+
+false
+
+ForcedWarmAir
+
+PropertyPhoto
+
+\\Images\SF2_Comp1.png
+
+image/png
+
+49
+
+875000
+
+SettledSale
+
+25.165172
+
+-51.328126
+
+Deck
+
+Deck
+
+OutdoorLiving
+
+1
+
+IndoorFireplace
+
+Elevator
+
+WholeHome
+
+0
+
+Attached
+
+1
+
+true
+
+1
+
+C3
+
+Q3
+
+true
+
+true
+
+FeeSimple
+
+false
+
+true
+
+false
+
+2019-04-01
+
+2019-05-01
+
+870000
+
+Sale
+
+2018-12-12
+
+725000
+
+Sale
+
+TypicallyMotivated
+
+None
+
+false
+
+BusyRoadway
+
+Park
+
+1764
+
+Full
+
+Residential
+
+3245 Nowhere Pl
+
+Anywhere
+
+20854
+
+MD
+
+BuiltIn
+
+Garage
+
+2
+
+0
+
+ContractDate
+
+0
+
+SaleDate
+
+0
+
+SiteSize
+
+0
+
+View
+
+0
+
+YearBuilt
+
+10000
+
+RowhouseTownhouseEndUnit
+
+0
+
+LivingUnitBedroomCount
+
+98700
+
+LivingUnitStandardFinishedAreaAboveGrade
+
+8400
+
+LivingUnitStandardFinishedAreaBelowGrade
+
+0
+
+LivingUnitUnfinishedAreaBelowGrade
+
+5000
+
+WholeHomeAmenity
+
+902100
+
+North
+
+Most
+
+false
+
+Conventional
+
+392
+
+2
+
+.12
+
+122100
+
+Dwelling
+
+2017
+
+100
+
+1992
+
+300
+
+false
+
+4
+
+4
+
+1
+
+C3
+
+Q2
+
+RowhouseTownhouse
+
+Brick
+
+CementBoard
+
+ExteriorWallsAndTrim
+
+C3
+
+Q3
+
+1
+
+false
+
+false
+
+false
+
+ForcedWarmAir
+
+PropertyPhoto
+
+\\Images\SF2_Comp2.png
+
+image/png
+
+29
+
+799900
+
+SettledSale
+
+25.165171
+
+-51.328127
+
+Deck
+
+Deck
+
+OutdoorLiving
+
+1
+
+IndoorFireplace
+
+WholeHome
+
+0
+
+Attached
+
+1
+
+true
+
+1
+
+C3
+
+Q3
+
+false
+
+true
+
+FeeSimple
+
+false
+
+true
+
+false
+
+2019-04-08
+
+2019-05-08
+
+780000
+
+Sale
+
+None
+
+false
+
+BusyRoadway
diff --git a/chunks/txt/48f7dd330576926bdb26a35f607e59dba8a8ca45434bfa5d0d1b4fba43d6a83c.txt b/chunks/txt/48f7dd330576926bdb26a35f607e59dba8a8ca45434bfa5d0d1b4fba43d6a83c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9d04b05873daa43845ab71e56639761be643126b
--- /dev/null
+++ b/chunks/txt/48f7dd330576926bdb26a35f607e59dba8a8ca45434bfa5d0d1b4fba43d6a83c.txt
@@ -0,0 +1,187 @@
+8.17 N/A – XML
+
+8.17 N/A
+
+ATR/QM
+
+ROF as “Real Estate
+Commission
+(Selling)”
+
+FeeType
+
+RealEstateCommiss
+ionBuyersBroker
+
+@gse:DisplayLabelT
+ext
+
+IntegratedDisclosur
+eSectionType
+
+Real Estate
+Commission
+(Selling)
+
+OtherCosts
+
+OptionalCostIndicat
+or
+
+false
+
+Not shown unless =
+“true”
+
+Appendix E: UCD Implementation Guide
+
+Page 142 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+8.0 Other Costs Table
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0
+Value
+
+Table 100. Other Line Items
+
+N/A - GSE
+
+UID
+8.186
+
+8.17.1 Real Estate
+Commission
+(Selling) to _____
+
+…/FEE/FEE_PAID_T
+O/LEGAL_ENTITY/L
+EGAL_ENTITY_DETA
+IL
+
+RegulationZPointsA
+ndFeesIndicator
+
+true
+
+FullName
+
+Omega Real Estate
+Broker
+
+Payee company
+name
+
+Notes
+
+Not Shown –
+ATR/QM
+
+8.17.2 Seller-Paid At
+
+Closing ($)
+
+…/FEE/FEE_PAYME
+NTS/FEE_PAYMENT
+
+FeeActualPayment
+Amount
+
+5700.00
+
+ROF as “$5,700.00”
+
+8.17.2 Seller-Paid
+
+8.17.2 At Closing
+
+FeePaymentPaidBy
+Type
+
+Seller
+
+ROF as “Seller-
+Paid”
+
+false
+
+ROF as “At Closing”
+
+FeePaymentPaidOu
+tsideOfClosingIndic
+ator
+
+Seventh Instance of FEE
+
+N/A - GSE
+
+…/FEE/FEE_DETAIL
+
+FeePaidToType
+
+ThirdPartyProvider Not shown –
+
+UID
+8.180
+
+8.17
+
+Title-Owner’s Title
+Insurance
+
+8.17 N/A - XML
+
+8.17
+
+Title-Owner’s Title
+Insurance to _____
+(optional)
+
+N/A - GSE
+
+UID
+8.186
+
+8.17.1 Title-Owner’s Title
+Insurance to _____
+(optional)
+
+…/FEE/FEE_PAID_T
+O/LEGAL_ENTITY/L
+EGAL_ENTITY_DETA
+IL
+
+FeeType
+
+TitleOwnersCovera
+gePremium
+
+@gse:DisplayLabelT
+ext
+
+Title-Owner’s Title
+Insurance
+
+ATR/QM
+
+ROF as “Title-
+Owner’s Title
+Insurance”
+
+IntegratedDisclosur
+eSectionType
+
+OtherCosts
diff --git a/chunks/txt/48fc86d47762b926a79448ecbb302b62fd9bc4d08d3faa06fc810b7cf527d13d.txt b/chunks/txt/48fc86d47762b926a79448ecbb302b62fd9bc4d08d3faa06fc810b7cf527d13d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6fb11088bc8ce4df31a306ff50a29259921c5c0b
--- /dev/null
+++ b/chunks/txt/48fc86d47762b926a79448ecbb302b62fd9bc4d08d3faa06fc810b7cf527d13d.txt
@@ -0,0 +1,53 @@
+### Technology applications and tools
+
+##### Loan Delivery
+
+Submit whole loan sale and MBS pools to Fannie Mae.
+
+[Learn More **](/applications-technology/loan-delivery)
+
+##### EarlyCheck
+
+With EarlyCheck™, lenders identify and correct potential eligibility and/or data issues early in their processes and prior to loan delivery.
+
+[Learn More **](/applications-technology/earlycheck)
+
+##### Uniform Closing Dataset (UCD) Collection Solution
+
+Test and deliver the Uniform Closing Dataset (UCD) XML file to Fannie Mae.
+
+[Learn More **](/applications-technology/uniform-closing-dataset-collection-solution)
+
+###
+
+##### Fannie Mae Connect
+
+Fannie Mae Connect™ is your one-stop-shop to access data, reports, and analytics that make doing business with us easier.
+
+[Learn More **](/applications-technology/fannie-mae-connect)
+
+##### eMortgage
+
+Resources to support delivery of electronic mortgages and closing documents.
+
+[Learn More **](/emortgage)
+
+##### Document Certification
+
+Document custodians use this application to certify MBS pools and whole loans and transmit the certification status to Fannie Mae and the lender.
+
+[Learn More **](/applications-technology/document-certification)
+
+##### Loan Delivery Test Environment
+
+Test production-ready Uniform Loan Delivery Dataset (ULDD) data.
+
+[Learn More **](/applications-technology/loan-delivery-test-environment)
+
+### UMDP applications & information
+
+##### Uniform Collateral Data Portal
+
+With UCDP, electronically submit appraisal reports for conventional mortgages delivered to Fannie Mae or Freddie Mac.
+
+[Learn More **](/applications-technology/uniform-collateral-data-portal)
diff --git a/chunks/txt/491e069ed0d6b2e9eaf5116956b3c9a34a5323b57cb89f50191e8f5f2122a476.txt b/chunks/txt/491e069ed0d6b2e9eaf5116956b3c9a34a5323b57cb89f50191e8f5f2122a476.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dd4b8d5011dedf34ce19e858335bcd53965cca3f
--- /dev/null
+++ b/chunks/txt/491e069ed0d6b2e9eaf5116956b3c9a34a5323b57cb89f50191e8f5f2122a476.txt
@@ -0,0 +1,34 @@
+ADDRESS OF PROPERTY APPRAISED
+19 ____________________________________________________
+20a, 20b, 20c, 20d _______________________________________
+
+Did not inspect exterior of subject property
+38
+
+Did inspect exterior of subject property from street
+39
+
+Date of Inspection 40 _________________________________
+
+APPRAISED VALUE OF SUBJECT PROPERTY $ 21 ______________
+LENDER/CLIENT
+Name 22 ______________________________________________
+Company Name 23 ______________________________________
+Company Address 24 ____________________________________
+Email Address 26________________________________________
+
+COMPARABLE SALES
+
+Did not inspect exterior of comparable sales from street
+41
+
+42
+ Did inspect exterior of comparable sales from street
+
+Date of Inspection 43 _________________________________
+
+Freddie Mac Form 466 March 2005 226
+
+Page 6 of 6
+
+Fannie Mae Form 1075 March 2005
diff --git a/chunks/txt/49214f6cc68683e789ee3cebf692e1600e99f52486b37d76951e3ac27a962968.txt b/chunks/txt/49214f6cc68683e789ee3cebf692e1600e99f52486b37d76951e3ac27a962968.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e006efdc2b0675224c2f2973d0a94cfd10118ad2
--- /dev/null
+++ b/chunks/txt/49214f6cc68683e789ee3cebf692e1600e99f52486b37d76951e3ac27a962968.txt
@@ -0,0 +1,54 @@
+Step Payments?
+
+19.3 NO /YES
+
+19.3.1 For your first # payments
+
+Seasonal Payments?
+
+19.4 NO /YES
+
+19.4.1 From period to period /
+Every # payment / every
+quarte r until the 20th quarter
+
+19.5 Pe riod Principal and Interest Payments
+
+First Change / Amount 19.6 $ Min - $ Max at # payment
+
+Subsequent Changes
+
+19.7 Every # years / No subsequent changes
+
+Maximum Payment
+
+19.8 $ starting at / as early as # payment
+
+Figure 117. Adjustable Payment Table
+
+Figure 117 shows the two parts of the AP Table: The top half, comprising the first four rows, identifies the loan
+feature(s) that are causing the payment to adjust with a “NO” or “YES” answer (19.1 – 19.4). If the answer is
+“YES”, it must be followed by the number of payments that adjust beginning with the first payment (19.1.1 –
+19.3.1). If the loan allows seasonal payments, the “season” must also be defined (19.4.1).
+
+The second part of the AP Table identifies the adjustment period (19.5), then specifies the payment number of
+the first change and the minimum and maximum dollar amount of change (19.6), the change frequency
+following the first change (if applicable) (19.7), and the dollar amount and year the maximum payment of the
+loan term will be reached (19.8).
+
+Appendix E: UCD Implementation Guide
+
+Page 197 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+19.0 Adjustable Payment (AP) Table
+
+A. LOAN PRODUCT AND AP TABLE
+
+The following table shows how the features in the top half of the AP Table correspond to the loan features used
+to identify 3.3 Product. The loan product features can be associated with any of the three loan product types
+defined by the Regulation --Fixed, Adjustable Rate, and Step Rate. However, it is the existence of one of these
+features that drives the requirement for the AP Table.
diff --git a/chunks/txt/4924d66865d29990123de4895d4c4bfbca3203216af5263a9d0de9d72ac68721.txt b/chunks/txt/4924d66865d29990123de4895d4c4bfbca3203216af5263a9d0de9d72ac68721.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b0b33a0d3c872e4c07892363b72b7230dbaeadfe
--- /dev/null
+++ b/chunks/txt/4924d66865d29990123de4895d4c4bfbca3203216af5263a9d0de9d72ac68721.txt
@@ -0,0 +1,213 @@
+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
+
+12
+
+1
+
+11
+
+1
+
+$0
+
+16
+
+1
+
+1 | 1
+
+$(5,000)
+
+1 | 1
+
+$(5,000)
+
+1 | 1
+
+$(5,000)
+
+Finished Area Above Grade
+
+Finished Area Below Grade
+
+1,209 Sq. Ft.
+
+1,209 Sq. Ft.
+
+1,360 Sq. Ft.
+
+$(30,200)
+
+1,070 Sq. Ft.
+
+$27,800
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Interior Quality and Condition
+
+Quality
+
+Condition
+
+Q3
+
+C3
+
+Q3
+
+C3
+
+Q3
+
+C3
+
+Q3
+
+C3
+
+Overall Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Quality
+
+Condition
+
+Vehicle Storage
+
+Q3
+
+C3
+
+Q3
+
+C3
+
+Q3
+
+C3
+
+Q3
+
+C3
+
+Type | Spaces | Detail
+
+Parking Garage | 1 | Owned
+
+Parking Garage | 1 | Owned
+
+Parking Garage | 1 | Owned
+
+Parking Garage | 1 | Owned
+
+Appraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 13 of 18
+Page 13 of 18
+
+Sales Comparison Approach (continued)
diff --git a/chunks/txt/4925e9e99880783f360e340c91d51bac0be9ef43a0f1d6e64a629b25e5dcb144.txt b/chunks/txt/4925e9e99880783f360e340c91d51bac0be9ef43a0f1d6e64a629b25e5dcb144.txt
new file mode 100644
index 0000000000000000000000000000000000000000..38ef0da5507664aa3d293995aba612420b17f5fc
--- /dev/null
+++ b/chunks/txt/4925e9e99880783f360e340c91d51bac0be9ef43a0f1d6e64a629b25e5dcb144.txt
@@ -0,0 +1,134 @@
+Choose one or
+more allowable
+values from the
+Definition /
+Additional
+Guidance column
+
+Definition / Additional Guidance
+
+The designation awarded by a recognized appraisal trade organization.
+•
+IFA
+• MAI
+•
+SRA
+•
+AAC
+•
+AFM
+•
+AM
+•
+ARA
+•
+ASA
+•
+ARICS
+•
+IFAA
+•
+IFAC
+•
+IFAS
+•
+FRICS
+•
+GAA
+• MRICS
+•
+RPRA
+•
+RAA
+•
+SRPA
+•
+Other (Describe)
+
+Note: Do not enter appraiser license information in Designation. License
+information is reported in Credentials (04.018-04.021 or 04.033-04.036).
+
+The name of the company for which the appraiser or supervisory appraiser
+works.
+
+Company Name Always required for
+
+Free-form
+
+04.013
+04.028
+
+04.014
+04.029
+
+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
+
+Reference published guidelines by the GSEs, government agencies, or other identified secondary market
+participants for requirements regarding the level of inspection.
+
+Assignment Information: Contact Information – Scope of Inspection for Subject Property
+
+Report
+Field ID
+
+04.015
+04.030
+
+Report Label
+
+When to Include
+
+Exterior
+
+Always required for
+the appraiser and
+supervisory appraiser
+
+Interior
+
+04.016
+04.031
+
+Always required for
+the appraiser and
+supervisory appraiser
+
+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
+
+Exterior Inspection Method: The method by which the exterior inspection was
+conducted by the appraiser or supervisory appraiser.
+•
+•
+•
diff --git a/chunks/txt/4927c7ef8cb8a1c522a7860e9f98de931f5b7cbff6ff5f4e8f62678d0b6d724c.txt b/chunks/txt/4927c7ef8cb8a1c522a7860e9f98de931f5b7cbff6ff5f4e8f62678d0b6d724c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e2c76bd7bb0d371eaeb753ed18ea82340440f19f
--- /dev/null
+++ b/chunks/txt/4927c7ef8cb8a1c522a7860e9f98de931f5b7cbff6ff5f4e8f62678d0b6d724c.txt
@@ -0,0 +1 @@
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/27846","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/4928026b5993bc447c7b2706b14b2f372dd029cac90185a5aef2e726c1dc0c19.txt b/chunks/txt/4928026b5993bc447c7b2706b14b2f372dd029cac90185a5aef2e726c1dc0c19.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5aef8a02ab6c370663228c74e04af575c4e310e9
--- /dev/null
+++ b/chunks/txt/4928026b5993bc447c7b2706b14b2f372dd029cac90185a5aef2e726c1dc0c19.txt
@@ -0,0 +1,79 @@
+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='Condition']/@_Amount
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+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_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_
+ADJUSTMENT[@_Type='Other' and
+@_TypeOtherDescription='RoomAboveGradeLine1']/@_Amount
+
+Above Grade Room Count Total Rooms Total Room Count
+
+Specifies the total number of livable
+rooms.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/ROOM_ADJUS
+TMENT/@TotalRoomCount
+
+Above Grade Room Count Bdrms.
+
+Total Bedroom
+Count
+
+Specifies the total number of bedrooms.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/ROOM_ADJUS
+TMENT/@TotalBedroomCount
+
+Above Grade Room Count Baths
+
+Total Bathroom
+Count
+
+Specifies the total number of bathrooms.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/ROOM_ADJUS
+TMENT/@TotalBathroomCount
+
+Above Grade Room Count Adjustment
diff --git a/chunks/txt/49288fb1f2d4310e224057c20a6b94978536a00d9fe981bc533f318cead2eafb.txt b/chunks/txt/49288fb1f2d4310e224057c20a6b94978536a00d9fe981bc533f318cead2eafb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..26b6ec7bf821dec19b5133a87ce14e13668372eb
--- /dev/null
+++ b/chunks/txt/49288fb1f2d4310e224057c20a6b94978536a00d9fe981bc533f318cead2eafb.txt
@@ -0,0 +1,111 @@
+String
+
+This field is required if the value of
+field e-15 (GSE Location Type) is
+‘Other’.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+String
+
+This field should indicate the land rights appraised (e.g. Leasehold or Fee Simple).
+
+343
+
+3
+
+24
+
+SALES
+COMPARISON
+APPROACH
+
+HOA Mo. Assessment
+
+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='MonthlyFacilityFee']/@_Description
+
+20
+
+String
+
+UAD Requirement - Refer to Appendix D Subject Section
+This field must indicate the HOA assessment and must be consistent with the HOA fee
+in field 1-26.
+
+344
+
+345
+
+346
+
+3
+
+3
+
+3
+
+25
+
+26
+
+27
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+Common Elements
+
+and Rec. Facilities
+
+Floor Location
+
+Sale Price
+Adjustment
+Description
+
+Sale Price
+Adjustment
+Description
+
+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.)
+
+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.)
+
+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='CommonElements']/@_Description
diff --git a/chunks/txt/4930a9d98f7e7023d72f3d38ec7c611562131de10fbc9fd23e113ba9fa46e2aa.txt b/chunks/txt/4930a9d98f7e7023d72f3d38ec7c611562131de10fbc9fd23e113ba9fa46e2aa.txt
new file mode 100644
index 0000000000000000000000000000000000000000..232370e7bf6fa74553ead54a58a73d00d41e4777
--- /dev/null
+++ b/chunks/txt/4930a9d98f7e7023d72f3d38ec7c611562131de10fbc9fd23e113ba9fa46e2aa.txt
@@ -0,0 +1,110 @@
+23.01.10 Furnished
+
+Required if Unit
+Currently Rented is Yes
+
+Yes | No
+
+Unit Furnished: Indicates whether furniture is included in the rent for the unit.
+
+For the subject property, this information displays in the following subsections
+of Rental Information:
+•
+•
+
+Rent Schedule – Subject Property Rental Information 23.01.10
+Comparable Rental Analysis 23.03.14 if the row is included in the rental
+comparison grid.
+
+Free-form
+
+Provide a description of the rent control for each unit with rent control,
+including impacts to value and / or marketability.
+
+23.01.11 Description of
+
+Rent Control
+and Impact to
+Value /
+Marketability
+
+Required if Unit
+Subject to Rent Control
+is Yes for one or more
+units in the Rent
+Schedule
+
+Appendix F-1: URAR Reference Guide
+
+Page 282 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Actual Income (Monthly)
+
+23 Rental Information
+
+Rent
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Rent Schedule: Actual Income - Rent
+
+23.01.12 N/A
+
+Displays if applicable
+
+Free-form
+
+Unit Identifier
+Redisplays from 23.01.01.
+
+23.01.13 N/A
+
+Required for each unit
+or ADU that is included
+in the Rental
+Information section
+
+Dollar amount
+
+Monthly Actual Rent for Unit
+
+For the subject property, this information displays in the following subsections
+of Rental Information:
+•
+
+Rent Schedule
+o
+o
+
+Subject Property Rental Information 23.01.04
+Actual Income (Monthly) 23.01.13
+
+23.01.14 Subtotal
+
+Always required
+
+Dollar amount
+
+•
+
+Comparable Rental Analysis Summary 23.03.22
+
+Total Monthly Actual Rent
+Calculated: Total Monthly Actual 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 24.007 if applicable.
diff --git a/chunks/txt/49313643ec85de8fd27913575c4c18d0d686131cf5f23c6d662a9ca175f9e7cb.txt b/chunks/txt/49313643ec85de8fd27913575c4c18d0d686131cf5f23c6d662a9ca175f9e7cb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8719d54e57eb6423482d6fdcfdccfc0e05e3da19
--- /dev/null
+++ b/chunks/txt/49313643ec85de8fd27913575c4c18d0d686131cf5f23c6d662a9ca175f9e7cb.txt
@@ -0,0 +1,108 @@
+This field should indicate the land rights appraised (e.g. Leasehold or Fee Simple).
+
+T
+
+T
+
+T
+
+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.
+
+CR
+
+CR
+
+CR
+
+406
+
+3
+
+69
+
+SALES
+COMPARISON
+APPROACH
+
+HOA Mo. Assessment
+
+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='MonthlyFacilityFee']/@_Description
+
+20
+
+String
+
+This field should indicate the HOA Assessment for the comparable property.
+
+T
+
+T
+
+T
+
+407
+
+3
+
+70
+
+SALES
+COMPARISON
+APPROACH
+
+HOA Mo. Assessment
+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='MonthlyFacilityFee']/@_Amount
+
+10
+
+Money
+
+UAD Requirement - See Appendix D Sales Comparison Approach Section
+
+PDF Display Format:
+Whole dollars only.
+
+The sum of this field 3-70 and fields (3-
+60, 3-62, 3-64, 3-66, 3-68, 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/493eacff4db8d5b78a5c2300146ed40ae253eb8d810bbeebd7191729dffba446.txt b/chunks/txt/493eacff4db8d5b78a5c2300146ed40ae253eb8d810bbeebd7191729dffba446.txt
new file mode 100644
index 0000000000000000000000000000000000000000..eb542c2bfd6166c5f566690251fce37147a71c66
--- /dev/null
+++ b/chunks/txt/493eacff4db8d5b78a5c2300146ed40ae253eb8d810bbeebd7191729dffba446.txt
@@ -0,0 +1,127 @@
+Data Field
+Conditionality 1004/70
+
+Data Field
+Conditionality 1004
+Hybrid/70H
+
+Data Field
+Conditionality 1004
+Desktop/70D
+
+194
+
+IMPROVEMENTS
+
+Amenities
+Other Description
+
+Amenity Type Other
+Description
+
+A free-form text field used to describe
+the amenity if Other is selected as the
+Amenity Type.
+
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/AMENITY[@_Type='Other']/@_Typ
+eOtherDescription
+
+10
+
+String
+
+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'.
+
+200
+
+201
+
+1
+
+1
+
+195
+
+IMPROVEMENTS
+
+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/STR
+UCTURE/CAR_STORAGE/@_ExistsIndicator
+
+202
+
+1
+
+196
+
+IMPROVEMENTS Driveway
+
+Car Storage Location
+Exists Indicator
+
+Indicates that the type of car storage
+described in Car Storage Location
+Type and Car Storage Attachment
+Type is present.
+
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/CAR_STORAGE/CAR_STORAGE_
+LOCATION[@_Type='Driveway']/@_ExistsInd
+icator
+
+203
+
+204
+
+1
+
+1
+
+197
+
+IMPROVEMENTS Driveway # of Cars
+
+198
+
+IMPROVEMENTS Driveway Surface
+
+205
+
+1
+
+199
+
+IMPROVEMENTS Garage
+
+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/STR
+UCTURE/CAR_STORAGE/CAR_STORAGE_
+LOCATION[@_Type='Driveway']/@ParkingSp
+acesCount
+
+Site Feature
+Comment
+
+A free-form text field used to describe
+or comment on the aspect of the
+property named in the Site Feature
+Type.
diff --git a/chunks/txt/4945a326ed5b0d37791636ae660283f79fe4a3da8c99f36d7acc1fe2f9899c67.txt b/chunks/txt/4945a326ed5b0d37791636ae660283f79fe4a3da8c99f36d7acc1fe2f9899c67.txt
new file mode 100644
index 0000000000000000000000000000000000000000..60baeb4907d0b7e34137ade435d35e73a90d2181
--- /dev/null
+++ b/chunks/txt/4945a326ed5b0d37791636ae660283f79fe4a3da8c99f36d7acc1fe2f9899c67.txt
@@ -0,0 +1,48 @@
+Appendix 4: Detached Garage Examples
+
+Outbuilding Subsection
+
+For the subject property, the Outbuilding Type and any relevant dynamic rows (e.g., area, bathrooms, heating)
+populate from the Outbuilding section.
+• Adjustments for comparables are made in a “lump sum” that includes consideration of the outbuilding, 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.
+
+In this example, the adjustment for Comparable #1 reflects the differences in finished and unfinished area, bath,
+heating, and the marketability of a shed vs. a workshop.
+
+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.
+
+Example 3: Detached Garage with ADU
+
+In this example the subject has a multipurpose outbuilding with 1000 sq. ft. of GBA that includes:
+• 400 sq. ft. 2-car garage (not heated)
+• 600 sq. ft. ADU (includes heat and air conditioning)
+
+Note: This example would also apply when the ADU is above the garage.
+
+Appendix F-1: URAR Reference Guide
+
+Page 367 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Appendix 4: Detached Garage Examples
+
+Outbuilding – ADU/Garage
+
+In this example, Outbuilding Type is ADU/Garage.
+• Units in Structure is 1 because the outbuilding includes an ADU.
+• For Gross Building Area, the total GBA is reported (400 sq. ft. 2-car garage + 600 sq. ft. ADU = 1000 sq. ft.)
diff --git a/chunks/txt/494bfbb969170efcf7440986f1add718bd8e57ab72501c191b15be46f0570d1b.txt b/chunks/txt/494bfbb969170efcf7440986f1add718bd8e57ab72501c191b15be46f0570d1b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5cc29b92d3e055c10ec75610add8c1640eecd244
--- /dev/null
+++ b/chunks/txt/494bfbb969170efcf7440986f1add718bd8e57ab72501c191b15be46f0570d1b.txt
@@ -0,0 +1,173 @@
+9.3
+
+N/A - XML
+
+…/INTEGRATED_DISC
+LOSURE_SECTION_SU
+MMARY_DETAIL
+
+IntegratedDisclosure
+SectionType
+
+TotalClosingCosts
+
+Identifies section to
+which subsection
+belongs
+
+9.3
+
+Lender Credits
+
+9.3.1 Lender Credits
+
+Includes $200 credit
+for increase in
+Closing Costs above
+legal limit
+
+IntegratedDisclosure
+SubsectionType
+
+LenderCredits
+
+LenderCreditToleranc
+eCureAmount
+
+200.00
+
+▪ ROF as “Includes
+$200 credit for
+increase in Closing
+Costs above legal
+limit”
+
+▪ Not provided if
+Lender Credits
+does not include
+tolerance cure
+
+9.3.2
+
+Borrower-Paid At
+Closing ($)
+
+…/INTEGRATED_DISC
+LOSURE_SUBSECTION
+_PAYMENT
+
+IntegratedDisclosure
+SubsectionPaymentA
+mount
+
+-500.00
+
+ROF as "-$500.00”
+
+9.3.2
+
+Borrower-Paid
+
+9.3.2
+
+At Closing
+
+IntegratedDisclosure
+SubsectionPaidByTyp
+e
+
+Buyer
+
+IntegratedDisclosure
+SubsectionPaymentTi
+mingType
+
+AtClosing
+
+ROF as “Borrower-
+Paid”
+
+End of INTEGRATED_DISCLOSURE_SECTION_SUMMARY Instances
+
+UID
+7.091
+
+N/A – GSE
+
+RegulationZTotalAffili
+ateFeesAmount
+
+nnn.nn
+
+ATR/QM
+
+Appendix E: UCD Implementation Guide
+
+Page 147 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+9.0 Total Closing Costs
+
+Table 101. Total Closing Costs Table
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0 Value
+
+Notes
+
+UID
+3.030
+
+UID
+3.027
+
+N/A – GSE
+
+N/A – GSE
+
+UID
+3.028
+
+N/A – GSE
+
+/LOAN/HIGH_COST_
+MORTGAGES/HIGH_C
+OST_MORTGAGE
+
+…/LOAN/QUALIFIED_
+MORTGAGE/QUALIFI
+ED_MORTGAGE_DET
+AIL
+
+…/LOAN/QUALIFIED_
+MORTGAGE/EXEMPTI
+ONS/EXEMPTION
+
+RegulationZTotalPoin
+tsAndFeesAmount
+
+nnnn.nn
+
+AbilityToRepayMetho
+dType
+
+Exempt
+
+ATR/QM
+
+ATR/QM
+
+AbilityToRepayExemp
+tionReasonType
diff --git a/chunks/txt/49521e93848f28fca809b70f27d48491f61dd8a9cc0edb923bd8136bcb2b8a70.txt b/chunks/txt/49521e93848f28fca809b70f27d48491f61dd8a9cc0edb923bd8136bcb2b8a70.txt
new file mode 100644
index 0000000000000000000000000000000000000000..875595b52894c1c4f478df22cc58201ce2532c30
--- /dev/null
+++ b/chunks/txt/49521e93848f28fca809b70f27d48491f61dd8a9cc0edb923bd8136bcb2b8a70.txt
@@ -0,0 +1,200 @@
+Uniform Residential Appraisal Report
+
+Page 18 of 23
+
+Sales Comparison Approach (continued)
+
+Property Address
+
+14568 Generic Rd
+Out There, VA 56789
+
+35361 Place Rd
+Out There, VA 56789
+
+38243 Place Rd
+Out There, VA 56789
+
+35422 Place Rd
+Out There, VA 56789
+
+Subject Property
+
+Comparable #1
+
+Comparable #2
+
+Comparable #3
+
+Interior Quality and Condition
+
+Quality
+
+Kitchen
+
+Overall Bathrooms
+
+Overall Flooring
+
+Walls and Ceiling
+
+Condition
+
+Kitchen
+
+Overall Bathrooms
+
+Overall Flooring
+
+Q4
+
+Q3
+
+Q4
+
+Q2
+
+Mid Grade Quality
+
+Mid Grade Quality
+
+Mid Grade Quality
+
+Very High Quality Appliances
+
+Mid Grade Finishes
+
+Mid-High Quality Finishes
+
+Mid Grade Finish
+
+Very High Quality Finishes
+
+Carpets, Tile, Hardwood
+
+Standard 8-9 Ft. Ceilings
+
+C4
+
+Partially Updated
+
+Moderately Updated
+
+Moderately Updated
+
+Carpet, Vinyl
+
+Carpets, Tile, Hardwood
+
+Hardwood and Tile Thruout
+
+8 Ft. Ceilings
+
+Standard 8-9 Ft. Ceilings
+
+9 Ft. and 10 Ft. Ceilings
+
+C3
+
+Fully Updated
+
+Not Updated
+
+Fully Updated
+
+C4
+
+Fully Updated
+
+Not Updated
+
+Moderately Updated
+
+C2
+
+Fully Updated
+
+Fully Updated
+
+Fully Updated
+
+ADU Interior Quality and Condition
+
+Location of ADU
+
+Standalone ADU
+
+Dwelling
+
+Dwelling
+
+ADU/Garage
+
+Quality
+
+Condition
+
+Q4
+
+C4
+
+Q4
+
+C4
+
+Q4
+
+C4
+
+Q3
+
+C3
+
+Overall Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Q4
+
+C4
+
+Q4
+
+C3 $(50,000)
+
+Q4
+
+C4
+
+Q2 $(100,000)
+
+C2 $(120,000)
+
+Quality
+
+Condition
+
+Property Amenities
+
+Outdoor Living
+
+Water Features
+
+Inground Pool - Heated
+
+— $20,000
+
+Deck | Deck | Patio | Porch
+
+Deck | Patio
+| Porch
+
+$5,000
+
+Deck | Deck |
+Patio | Porch
+
+Inground Pool -
+Diving Board
+
+Deck | Patio
+
+$10,000
diff --git a/chunks/txt/49554b8aa81536b5aa7b42aa14ba45df9d13353842b82e9cdac96e19a471890b.txt b/chunks/txt/49554b8aa81536b5aa7b42aa14ba45df9d13353842b82e9cdac96e19a471890b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f3a9ca0dbdede76d3e10c72796d795fbf396d4c5
--- /dev/null
+++ b/chunks/txt/49554b8aa81536b5aa7b42aa14ba45df9d13353842b82e9cdac96e19a471890b.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/data/dashboard/enterprise-single-family-public-use-database"
+date_accessed: "2026-01-27T18:10:56.154Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/4957d73a79ea394991fee97f803b4b8e6610549e47c3618f2b1baee83363cfa7.txt b/chunks/txt/4957d73a79ea394991fee97f803b4b8e6610549e47c3618f2b1baee83363cfa7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7722143b4c7aee761f714ab4bc5783e396e5dc83
--- /dev/null
+++ b/chunks/txt/4957d73a79ea394991fee97f803b4b8e6610549e47c3618f2b1baee83363cfa7.txt
@@ -0,0 +1,103 @@
+Example:
+Arm’s length sale; Text of the appraiser
+analysis of the sales contract
+
+Page 15 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.
+
+Contract Price $
+The appraiser must enter an amount in this
+field if the “Assignment Type” is a purchase
+transaction. Contract price must be the same
+as the sales price for the subject property in
+the Sales Comparison Approach section.
+
+Reporting Format:
+Contract Price $ – Currency, whole dollars
+only
+
+Date of Contract
+The appraiser must enter a contract date if the
+“Assignment Type” is a purchase transaction.
+
+Reporting Format:
+Date of Contract – mm/dd/yyyy
+
+Contract
+Section
+
+Is the property seller the owner of public
+record?
+
+The appraiser must indicate ‘Yes’ or ‘No’ if the
+“Assignment Type” is a purchase transaction.
+
+Reporting Format:
+Is the property seller the owner of public
+record? – 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
+
+• 1004 Hybrid/70H
+
+• 1004 Desktop/70D
+
+• 2055/2055
+
+• 1073/465
+
+• 1073 Hybrid/465H
+
+• 1073 Desktop/465D
+
+• 1075/466
+
+• 1004/70
+
+• 1004 Hybrid/70H
+
+• 1004 Desktop/70D
+
+• 2055/2055
+
+• 1073/465
+
+• 1073 Hybrid/465H
+
+• 1073 Desktop/465D
+
+• 1075/466
+
+REQUIREMENT
+
+REQUIREMENT
+
+Page 16 of 68
+
+Appendix A: GSE Appraisal Forms Mapping
diff --git a/chunks/txt/49731b9bf7376bc54e38c66167196ca66e23fe1422152c80880b597f5832e956.txt b/chunks/txt/49731b9bf7376bc54e38c66167196ca66e23fe1422152c80880b597f5832e956.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9ddbf71bbcf4c1bc81323f52cc484b5b3a97fe9a
--- /dev/null
+++ b/chunks/txt/49731b9bf7376bc54e38c66167196ca66e23fe1422152c80880b597f5832e956.txt
@@ -0,0 +1,54 @@
+Any other items that do not require repair, replacement, or inspection may also be reported using the
+Recommended Action of None.
+
+Defects, Damages, and Deficiencies are captured as discrete data in the following sections:
+• Site (4.099-4.104)
+• Dwelling Exterior (8.054-8.060)
+• Unit Interior (10.052-10.060)
+• Outbuilding (12.018-12.024)
+• Vehicle Storage (13.004-13.009)
+• Subject Property Amenities (14.005-14.010)
+
+Appendix F-1: URAR Reference Guide
+
+Page 16 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Overview
+
+All Defects, Damages, and Deficiencies are displayed in Reconciliation (26.020-26.070), and those requiring
+action are displayed in Summary (1.032-1.081).
+
+Commentary and Free-form Comments
+
+Section commentary must be entered in the most appropriate section:
+• Assignment Information and Scope of Work Commentary (2.061)
+• Subject Property Commentary (3.032)
+• Site Commentary (4.116)
+• Disaster Mitigation Commentary (5.001)
+• Energy Efficient and Green Features Commentary (6.016)
+• Sketch Commentary (7.003)
+• Dwelling Exterior Commentary (8.061)
+• Manufactured Home Commentary (9.026)
+• Unit Interior Commentary (10.061)
+• Functional Obsolescence Commentary (11.001)
+• Outbuilding Commentary (12.025)
+• Vehicle Storage Commentary (13.010)
+• Subject Property Amenities Commentary (14.011)
+• Reconciliation of Overall Quality and Condition (15.010)
+• Highest and Best Use Commentary (16.005)
+• Market Commentary (17.023)
+• Project Information Commentary (18.095)
+• Analysis of Subject Property Listing History (19.011)
+• Sales Contract Analysis (20.011)
+• Analysis of Prior Sale and Transfer History of Subject Property (21.006)
+• Analysis of Prior Sale and Transfer History of Comparable Sales (21.012)
+• Reconciliation of Sales Comparison Approach (22.16.01)
+• Rental Analysis Commentary (23.04.01)
+•
+Income Approach Commentary (24.025)
+• Cost Approach Commentary (25.057)
+• Reconciliation of Market Value (26.019)
diff --git a/chunks/txt/49774e0c503ccf710ed7b278ba2f6e7529e35f9562405340da9f56936342b282.txt b/chunks/txt/49774e0c503ccf710ed7b278ba2f6e7529e35f9562405340da9f56936342b282.txt
new file mode 100644
index 0000000000000000000000000000000000000000..77e1f29aba04d4207831af00eff7bf9985780d7c
--- /dev/null
+++ b/chunks/txt/49774e0c503ccf710ed7b278ba2f6e7529e35f9562405340da9f56936342b282.txt
@@ -0,0 +1,63 @@
+Assignment Information: General Information – Government Agency Appraisals and Special Identification
+
+Report
+Field ID
+
+Report Label
+
+Unique ID
+
+MISMO Data Point Name
+
+Display Rules
+
+2.008
+
+Government Agency
+
+2.009
+
+Investor Requested Special
+Identification
+
+1000.0028
+
+GovernmentAgencyAppraisalIndicator
+
+When “false”, do not display report label.
+
+1000.0029
+
+GovernmentAgencyAppraisalType
+
+Required when GovernmentAgencyAppraisalIndicator = “true”
+
+1000.0038
+
+InvestorRequestedIdentificationCode
+
+When not provided, do not display report label.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Contact Information
+
+The Contact Information subsection includes information about the people and/or companies (“contacts”) that are pertinent to the
+appraisal, including:
+
+• Clients, including lenders, AMCs, and other parties ([Role]/[Role] subsection)
+• Appraiser and supervisory appraiser, if applicable (Appraiser/Supervisory Appraiser subsection)
+• Person(s) providing significant real property appraisal assistance (Significant Real Property Appraisal Assistance subsection)
+• Entity providing a property data report (Property Data Report subsection)
+
+Page 86
+
+Every contact has one or more roles (PartyRoleType). PartyRoleType determines which of the subsections the contact appears in.
+
+[Role]/[Role]
+
+This portion of Contact Information shows details about the lender, client, and/or AMC. It repeats for each lender, client, and/or AMC on
+the report (each instance of PARTY).
+
+A PARTY can have more than one PartyRoleType, which impacts the report display and the XML creation. This table provides some typical
+examples.
diff --git a/chunks/txt/498853f840ae31bf2f52ec955787efad94aec1e473f1ad48f5a9f05900ef714c.txt b/chunks/txt/498853f840ae31bf2f52ec955787efad94aec1e473f1ad48f5a9f05900ef714c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c9bc5e491932e81fec0fc88e167177b7908cc1bc
--- /dev/null
+++ b/chunks/txt/498853f840ae31bf2f52ec955787efad94aec1e473f1ad48f5a9f05900ef714c.txt
@@ -0,0 +1,27 @@
+November 26, 2024
+
+## [FHFA House Price Index for 2024 Q3](/news/videos/fhfa-house-price-index-2024-q3)
+
+
+ - Video
+
+October 28, 2024
+
+## [Inside The FHFA 2024 Generative AI In Housing Finance TechSprint](/news/videos/inside-the-fhfa-2024-generative-ai-in-housing-finance-techsprint)
+
+
+ - Video
+
+August 27, 2024
+
+## [FHFA House Price Index for 2024 Q2](/news/videos/fhfa-house-price-index-2024-q2)
+
+
+ - Video
+
+August 6, 2024
+
+## [2024 Duty to Serve Listening Session: Rural Housing](/news/videos/2024-duty-to-serve-listening-session-rural-housing)
+
+
+ - Video
diff --git a/chunks/txt/499cb1987d4d6b5b3627e4cc359fe7eea1d3ce9a1a10c99551732f72e3f66ac4.txt b/chunks/txt/499cb1987d4d6b5b3627e4cc359fe7eea1d3ce9a1a10c99551732f72e3f66ac4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..eae561beb60a07525bd81c6ef3902f2332105e9b
--- /dev/null
+++ b/chunks/txt/499cb1987d4d6b5b3627e4cc359fe7eea1d3ce9a1a10c99551732f72e3f66ac4.txt
@@ -0,0 +1,45 @@
+Groups one or more sets of escrow items paid at closing
+
+999.161
+
+ESCROW_ITEM
+
+ESCROW_ITEM repeats for each line item with child containers
+including data points that identify the escrow item, the period for
+which the payment is made, amount per period, and if more than
+one party supplied the amount, the payment distribution by
+party. Up to 34 line items may be provided.
+
+999.162
+
+ESCROW_ITEM_DETAIL
+
+Holds data points describing the escrow line item.
+
+999.163
+
+ESCROW_ITEM_PAYMENTS MISMO construct. Plural of singular child container
+
+ESCROW_PAYMENT holds at least 1 and up to 3 sequential
+occurrences of FEE_PAYMENT.
+
+999.164
+
+ESCROW_ITEM_PAYMENT Holds data points identifying the payor entity, when paid relative
+
+to closing, and associated amount(s). Multiple instances of
+ESCROW_ITEM_PAYMENT are provided when the payment was
+shared by more than one entity or a portion was paid before and
+at closing. At least one and up to three sequential instances are
+provided.
+
+1. ESCROW ACCOUNT VS. COLLECTING ESCROW FUNDS AT CLOSING
+
+A loan can have an escrow account (EscrowIndicator = “true”) even when the no escrow funds are collected at closing.
+The ESCROW structure is required only when funds for one or more escrow items is collected at the closing table. For example,
+current industry practice is to establish an escrow account for mortgage insurance. However, mortgage insurance is rarely, if
+ever, collected at closing.
+
+Because the aggregate adjustment is made by the lender to prevent the total of escrow line item amounts collected at
+closing from exceeding the RESPA-mandated one-sixth of the annual property tax and insurance payment amount, the value
+provided in the XML file will be less than or equal to zero.
diff --git a/chunks/txt/49b7b102e992d37b8ef85174289c5ec561a54da8a0fe7fdab3df42c0e8a0cf2c.txt b/chunks/txt/49b7b102e992d37b8ef85174289c5ec561a54da8a0fe7fdab3df42c0e8a0cf2c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7c40d1aa5d3a2f034931049811bbfb289f2c9f8d
--- /dev/null
+++ b/chunks/txt/49b7b102e992d37b8ef85174289c5ec561a54da8a0fe7fdab3df42c0e8a0cf2c.txt
@@ -0,0 +1,74 @@
+Yes
+No (Inaccessible)
+
+Visual Observation of Crawl Space Completed: Indicates whether a visual
+observation of the crawl space, as defined by the applicable organization, was
+completed.
+•
+•
+Reference the appropriate government agency appraisal guidelines.
+
+Yes (Visual Observation Completed)
+No (No Visual Observation Completed)
+
+8.031
+
+Condition Status Always required
+
+Choose an
+allowable answer
+from table
+(Exterior Feature
+Condition Status)
+
+Foundation Condition Status: The condition status of the foundation.
+•
+•
+•
+•
+
+New or Like New
+Typical Wear and Tear
+Damaged and Functional
+Damaged and Nonfunctional
+
+Notes:
+•
+
+If there are varying condition statuses for the foundation, 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.
+
+•
+
+•
+
+Appendix F-1: URAR Reference Guide
+
+Page 105 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+08 Dwelling Exterior
+
+Allowable Answer
+
+Definition / Additional Guidance
+
+Foundation Type (Choose all that apply)
+
+Basement
+
+Crawl Space
+
+Fully or partially below grade structural foundation style consisting of walls that bear weight on foundation footings
+running along the perimeter of the structure.
+
+A foundation style consisting of unfinished, typically narrow space between the building and the ground or the improved
+surface.
diff --git a/chunks/txt/49bcbeeb06d0dd9500f967102ad358f27ae437616897a022679e34322be05a6a.txt b/chunks/txt/49bcbeeb06d0dd9500f967102ad358f27ae437616897a022679e34322be05a6a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2f35ece01f9b31ee511024b1d66d2d170d27c892
--- /dev/null
+++ b/chunks/txt/49bcbeeb06d0dd9500f967102ad358f27ae437616897a022679e34322be05a6a.txt
@@ -0,0 +1,212 @@
+N/A
+
+N/A
+
+N/A
+
+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
+
+T
+
+T
+
+T
+
+T
+
+T
+
+UAD Consolidated Schema Matrix
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 15 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
+
+Parking Spaces Count
+
+Adequate Indicator
+
+.PROPERTY
+..PROJECT
+...PROJECT_ANALYSIS
+Project Analysis Additional Facilities Fee Description**
+
+Project Analysis Budget Analysis Comment**
+
+Project Analysis Competitive Project Comparison Description**
+
+Project Analysis Ground Rent Amount**
+
+Project Analysis Ground Rent Description**
+
+Project Analysis Special Characteristics Description**
+
+Project Analysis Additional Facilities Fee Indicator**
+
+Project Analysis Budget Analyzed Indicator**
+
+Project Analysis Competitive Project Comparison Type**
+
+Project Analysis Ground Rent Indicator**
+
+Project Analysis Special Characteristics Indicator**
+
+.PROPERTY
+..PROJECT
+...PROJECT ANALYSIS
+.…UNIT_CHARGE
+Unit Charge Period Type**
+
+Unit Charge Amount**
+
+Unit Charge Per Square Foot Amount**
+
+Unit Charge No Utilities Included In Assessment Indicator**
+
+.PROPERTY
+..PROJECT
+...PROJECT_ANALYSIS
+….UNIT_CHARGE
+…..UNIT_CHARGE_UTILITY
+Unit Charge Utility Type**
+
+Unit Charge Utility Included In Assessment Indicator**
+
+Unit Charge Utility Type Other Description**
+
+.PROPERTY
+..PROJECT
+
+UAD Consolidated Schema Matrix
+Appendix B: GSE Appraisal Forms Mapping
+
+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
diff --git a/chunks/txt/49c3a07c1affa1ca6801d5c78d2a26089e46f3c94d4e7d9ac63d4cbf56c77b02.txt b/chunks/txt/49c3a07c1affa1ca6801d5c78d2a26089e46f3c94d4e7d9ac63d4cbf56c77b02.txt
new file mode 100644
index 0000000000000000000000000000000000000000..49f4bd3955846eaf2ae2202be3db2422aabaf50f
--- /dev/null
+++ b/chunks/txt/49c3a07c1affa1ca6801d5c78d2a26089e46f3c94d4e7d9ac63d4cbf56c77b02.txt
@@ -0,0 +1,102 @@
+Uniform Residential Appraisal Report
+
+Page 15 of 20
+
+Sales Comparison Approach (continued)
+
+PG BRK
+
+Sales Comparison Map
+
+This is where the Comparable Map 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 16 of 20
+
+Sales Comparison Approach (continued)
+
+PG BRK
+
+Sales Comparison Approach Exhibits
+
+Comparable #1
+
+Comparable #2
+
+This is where the Comparable 1 photo would display.
+
+Comparable #3
+
+Comparable #4
+
+This is where the Comparable 4 photo would display.
+
+Cost Approach
+
+Indicated Value by Cost Approach
+
+Depreciated Cost of Dwellings
+As Is Value of Site Improvements
+Opinion of Site Value
+
+$271,410
+
+$201,410
+$31,500
+$38,500
+
+Depreciated Cost - Dwelling
+
+Above Grade Finished Area
+
+Attached Garage
+
+Total Depreciation
+
+Manufactured Home Delivery,
+Installation, and Set Up
+
+1,568 Sq. Ft. @ $121.25
+
+400 Sq. Ft. @ $50.00
+
+$190,120
+
+$20,000
+
+$(17,710)
+
+$9,000
+
+Total
+
+$201,410
+
+Remaining Economic Life
+Effective Age
+
+45 years
+1-5 years
+
+Commentary on Effective Age The subject has an actual age of 2 years and was manufactured, and installed on site, in 2020. Effective age is
+estimated at 1–5 years.
+
+As Is Value of Site Improvements
+
+Description
+Utility Connections, Driveway, Patio, and Porch
+
+Amount
+
+$31,500
+
+$31,500
+
+Total
+
+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
diff --git a/chunks/txt/49c3bcc6186e702ccf64448bd30b7d198a68e913af315eaa749d1f34c46024aa.txt b/chunks/txt/49c3bcc6186e702ccf64448bd30b7d198a68e913af315eaa749d1f34c46024aa.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d34b01edcb863cc0b2dc58547b67794f00025245
--- /dev/null
+++ b/chunks/txt/49c3bcc6186e702ccf64448bd30b7d198a68e913af315eaa749d1f34c46024aa.txt
@@ -0,0 +1,39 @@
+ULDDS Appendix A includes the equivalent MISMO data points for all data
+currently required for loan delivery by either GSE, as well as “net new” data points
+the GSEs need to capture for other business reasons. The resulting joint loan
+delivery dataset streamlined the GSEs’ aggregate data requirements by replacing
+similar data elements mapped by each GSE to different data points with one shared
+mapping used by both GSEs.
+
+The ULDDS leverages a shared usage model, which means that each GSE will
+expect the loan delivery transaction, represented by an XML schema document, to
+have an identical structure. Differences will arise only from the existence or
+absence of given containers and data points, depending on whether the receiving
+GSE requires them.
+
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 8 of 76
+
+Section V. Resources
+
+b. Appendix A - Development Approach
+
+The ULDDS was designed to accommodate all types of loan products, features,
+and transactions. While developing the loan delivery data set, the GSEs worked to
+ensure that:
+
+a. The majority of the elements in the dataset were aligned between the GSEs,
+
+b. GSE dependence on special codes eventually could be reduced through the
+
+collection of the underlying data points,
+
+c. GSE-specific conditionally required fields were minimized, and
+
+d. Loan delivery data that will be required in the future are included in ULDDS
+Appendix A in order to give lenders as much time to implement as possible.
+
+c. Requirements for Submitting ULDDS Appendix A Data Points
diff --git a/chunks/txt/49c95167effebb56e9a90193d5354ac0f39f43b248236baba603986edfbaf549.txt b/chunks/txt/49c95167effebb56e9a90193d5354ac0f39f43b248236baba603986edfbaf549.txt
new file mode 100644
index 0000000000000000000000000000000000000000..19e3efb8b5951b2c9a5dd47d9d072457592989e2
--- /dev/null
+++ b/chunks/txt/49c95167effebb56e9a90193d5354ac0f39f43b248236baba603986edfbaf549.txt
@@ -0,0 +1,7 @@
+Vehicle Storage – Arcrole Relationships ................................................................................................................................................................................... 218
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 15
+
+14 Subject Property Amenities ............................................................................................................................................................................................................. 220
diff --git a/chunks/txt/49d506fc01f9b65d0d09d259794acc2b3df2146e995de357065113fc08c0af00.txt b/chunks/txt/49d506fc01f9b65d0d09d259794acc2b3df2146e995de357065113fc08c0af00.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6246d72b5c1f6f3341b47c237410832a55d5b500
--- /dev/null
+++ b/chunks/txt/49d506fc01f9b65d0d09d259794acc2b3df2146e995de357065113fc08c0af00.txt
@@ -0,0 +1,103 @@
+30c
+
+31
+
+32
+
+33
+
+34
+
+Note: This data is referenced more than once on the form (field 2-134) and must be
+represented consistently.
+
+48
+
+String
+
+UAD Requirement - Refer to Appendix D Appraiser Certification Section
+This field must contain either the name of the management company involved or the
+text 'No AMC'.
+
+APPRAISER
+CERTIFICATION
+
+LENDER/CLIENT
+Name
+
+GSE Management
+Company Name
+
+The appraisal management company
+associated with the appraisal report.
+
+/VALUATION_RESPONSE/PARTIES/MANAGEMENT_COMPANY_E
+XTENSION/MANAGEMENT_COMPANY_EXTENSION_SECTION[@E
+xtensionSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/MANAGEMENT_COMPANY_EXTENSION_SECTION_D
+ATA/MANAGEMENT_COMPANY/@GSEManagementCompanyName
+
+APPRAISER
+CERTIFICATION
+
+LENDER/CLIENT
+Company Name
+
+Lender Unparsed
+Name
+
+The name of the party or entity designated
+as the lender for the loan.
+
+/VALUATION_RESPONSE/PARTIES/LENDER/@_UnparsedName
+
+48
+
+String
+
+APPRAISER
+CERTIFICATION
+
+LENDER/CLIENT
+Company Address
+
+APPRAISER
+CERTIFICATION
+
+LENDER/CLIENT
+Email Address
+
+APPRAISER
+CERTIFICATION
+
+Supervisory Appraiser
+Name
+
+Appraisal Forms
+Lender Unparsed
+Address
+
+Contact Point Value
+
+Supervisor Name
+
+APPRAISER
+CERTIFICATION
+
+Supervisory Appraiser
+Company Name
+
+Supervisor Company
+Name
+
+The unparsed address of the lender.
+Generally includes the street address,
+suite number, city, state and zip code.
+FORM SPECIFIC FIELD
+This is the actual value (Phone, Fax, E-
+Mail, Other) of the Contact Point Type.
+Name of the person who is responsible
+for reviewing or supervising the work or
+project.
+Name of the company with which the
+supervisor is associated.
diff --git a/chunks/txt/49db34020ea9f9f267a2d092363c569eba69dea6abc9eb95a2315ff075f167cf.txt b/chunks/txt/49db34020ea9f9f267a2d092363c569eba69dea6abc9eb95a2315ff075f167cf.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c3d0dc9e157a8e17f5145918de70712175b0ef7a
--- /dev/null
+++ b/chunks/txt/49db34020ea9f9f267a2d092363c569eba69dea6abc9eb95a2315ff075f167cf.txt
@@ -0,0 +1,10 @@
+---
+title: "Uniform Appraisal Dataset | Fannie Mae"
+source_url: "https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset"
+date_accessed: "2026-01-27T17:46:36.951Z"
+selector: ".layout.masthead-custom.js-layout-exists.rag-highlight-border"
+parent_folder: "APPRAISAL_DATASET"
+capture_name: "Uniform_Appraisal_Dataset___Fannie_Mae5"
+---
+
+/* Carousel Content Title */ .carousel--controls-visible .carousel--card__title{margin-left: 2.5%; margin-bottom: 32px!important;} @media(min-width: 800px){ .carousel--controls-visible .carousel--card__title{margin-left: 54px;} } /** START - Carousel Content **/ .carousel--controls-visible .carousel__wrapper{display: flex; flex-direction: column; padding-bottom: 10px;} @media(min-width: 1120px){ .carousel--controls-visible .carousel__wrapper{padding-bottom: 40px;} } .carousel--controls-visible .carousel__wrapper .slick-list, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide > div:first-child, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item, .carousel--controls-visible .carousel__wrapper .slick-list .slick-track .slick-slide .carousel-item .card{height: 100%;} .carousel--controls-visible .carousel__wrapper .slick-list{display: grid;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__description{margin-bottom: 35px;} .carousel--controls-visible .carousel__wrapper .carousel-item .card .card__link-wrapper{bottom: 0; position: relative; margin-top: auto;} /** END - Carousel Content **/ /* Carousel Content Nav Dots */ .carousel--controls-visible .carousel__wrapper .carousel-indicators .slick-dots{padding-left: 0;} /* START - Carousel Link */ .carousel--controls-visible .carousel__link-wrapper{margin-left: 2.5%; margin-top: 80px;} @media(min-width: 800px){ .carousel--controls-visible .carousel__link-wrapper{margin-left: 54px; margin-top: 80px;} } @media(min-width: 1120px){ .carousel--controls-visible .carousel__link-wrapper{margin-top: 40px;} } .carousel--controls-visible .carousel__link-wrapper .carousel__link{margin-left: 0;} /* END - Carousel Link */ /* Carousel White Card with Border */ .carousel--white .card{width: calc(100% - 2px);} @media(min-width: 768px){ .carousel--white .card{width: auto;} } ## []()**UAD 3.6 Documentation**
diff --git a/chunks/txt/49ee0ae8757bf2ac886174071d688f9da9d631281c1cfce301e0dca06573c298.txt b/chunks/txt/49ee0ae8757bf2ac886174071d688f9da9d631281c1cfce301e0dca06573c298.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4dfeaa69d48c8c2a1fd2c4f7b10e9de5e2f29065
--- /dev/null
+++ b/chunks/txt/49ee0ae8757bf2ac886174071d688f9da9d631281c1cfce301e0dca06573c298.txt
@@ -0,0 +1,161 @@
+Adjusted Price
+
+Comparable Weight
+
+Q4
+
+C4
+
+Q4
+
+C4
+
+$(5,000)
+
+Q4
+
+C4
+
+$(1,000)
+
+Q4
+
+C4
+
+$(1,000)
+
+Deck | Porch
+
+Deck | Patio
+
+$6,000
+
+Patio | Porch
+
+$2,000
+
+Deck | Patio
+
+$6,000
+
+—
+
+Media Room | Wet Bar
+
+—
+
+—
+
+$6,000
+
+—
+
+—
+
+Inground Pool
+
+$(12,000)
+
+$6,000
+
+—
+
+$6,000
+
+Driveway | 2 | Asphalt
+Garage | 2 | Built-in 460 Sq. Ft.
+
+Driveway | 2 | Asphalt
+Garage | 2 | Built-in
+
+Driveway | 2 | Asphalt
+Garage | 2 | Built-in
+
+Driveway | 2 | Asphalt
+Garage | 2 | Built-in
+
+$489,000
+
+$489,000
+
+$460,000
+
+—
+
+$460,000
+
+$30,760
+
+$141
+
+$490,760
+
+Most
+
+$449,900
+
+—
+
+$450,000
+
+$40,540
+
+$160
+
+$490,540
+
+Most
+
+$525,000
+
+—
+
+$520,000
+
+$14,400
+
+$185
+
+$534,400
+
+Less
+
+Indicated Value by Sales Comparison Approach
+
+Indicated Value
+
+$491,000
+
+Reconciliation of Sales Comparison Approach
+
+Comps 1 and 2 were from the same neighborhood as the Subject. Comp 3 not given as much weight because of different subdivision.
+Condition Rating adjustments were made to all comps due to the subject’s flooring having stained carpets and no updates. Comp 1 also had
+a partially updated kitchen which was accounted for in the Condition Rating adjustment. Sales with property characteristics of 5 bedrooms,
+media room and wet bar were in the competitive market area, exhibited in #4 and 5 of the Additional Properties Analyzed Not Used, but were
+not as comparable since they were larger, farther away, and superior quality.
+
+Additional Properties Analyzed Not Used
+
+#
+1
+
+2
+
+3
+
+4
+
+5
+
+Property Address
+101 Somewhere Ln
+Treeville, VA 12345
+
+955 Black Swan Rd
+Treeville, VA 12345
+
+325 Summit Ct
+Treeville, VA 12345
+
+7464 Blank Ln
+Treeville, VA 12345
diff --git a/chunks/txt/49f9ac840882da31282cdd99e97e50c63ac6af1af593644be164dd4c051a5bfa.txt b/chunks/txt/49f9ac840882da31282cdd99e97e50c63ac6af1af593644be164dd4c051a5bfa.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6b35cf11e1d394abf4448a0d824dd0bdeae55cf5
--- /dev/null
+++ b/chunks/txt/49f9ac840882da31282cdd99e97e50c63ac6af1af593644be164dd4c051a5bfa.txt
@@ -0,0 +1,26 @@
+UAD Compliance API – UAD 3.6 Uniform Residential
+Appraisal Report (URAR) Available
+
+December 6, 2024
+
+In support of the Uniform Appraisal Dataset (UAD) and Forms Redesign initiative, Freddie Mac and Fannie Mae (the
+GSEs) have made available all 709 Uniform Residential Appraisal Report (URAR) UAD 3.6 Compliance Rules via
+each GSEs UAD Compliance application programming interface (API). As of December 5, 2024, the GSEs’ APIs are
+available in production.
+
+The GSEs’ APIs will help ensure users meet compliance with the UAD 3.6 specification and provide efficiency in
+the appraisal process while reducing the need for appraisal resubmissions to the Uniform Collateral Data
+Portal® (UCDP®). It does this by validating the UAD 3.6 appraisal XML against the UAD 3.6 Compliance Rules for the
+URAR, which can be accessed here, prior to submission to the UCDP. The API will validate that the XML is well-
+formed, will perform a UAD 3.6 schema validation, and will verify requirements, data type, and format.
+
+If you have not already integrated with one or both GSEs’ APIs, please do so to take advantage of the benefits of
+validating your solution’s UAD 3.6 appraisal XML to ensure its compliance with the UAD 3.6 specification.
+
+Please note: in order to use the GSEs’ APIs in production, you must have gone through the GSEs’ verification
+process. You may still use the GSEs’ APIs in the ACPT test environment until you have completed verification.
+
+To schedule your verification with the GSEs, please contact one of the below GSE contacts:
+
+• Fannie Mae: Jennifer Cagle jennifer_cagle@fanniemae.com
+• Freddie Mac: Bailie Jones bailie_jones@freddiemac.com
diff --git a/chunks/txt/49fb318fb6da707f409e562148dd18d505d9d15bf5702f976b804259b15dae66.txt b/chunks/txt/49fb318fb6da707f409e562148dd18d505d9d15bf5702f976b804259b15dae66.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7af2bfeaae47e341efe792f1f5a8b39826602993
--- /dev/null
+++ b/chunks/txt/49fb318fb6da707f409e562148dd18d505d9d15bf5702f976b804259b15dae66.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/about/do-business-with-us"
+date_accessed: "2026-01-27T17:54:20.286Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/4a09010328e6dd807c6289758262166147d6ea389f74b663469a2b18c33a80b7.txt b/chunks/txt/4a09010328e6dd807c6289758262166147d6ea389f74b663469a2b18c33a80b7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a096f108630df295c1c42d682cc9b238e075411d
--- /dev/null
+++ b/chunks/txt/4a09010328e6dd807c6289758262166147d6ea389f74b663469a2b18c33a80b7.txt
@@ -0,0 +1,76 @@
+Construction Method Type
+(Sort ID 51)
+
+Manufactured Home Width
+Type (Sort ID 33)
+
+Special Feature Code(s)
+
+Single-section
+
+Mutli-section
+
+MH Advantage
+
+MH Advantage
+
+Manufactured
+
+Singlewide
+
+Multiwide
+
+Multiwide
+
+Singlewide
+
+235 and 791
+
+235
+
+235 and 859
+
+235, 791, and 859
+
+Note: These special feature codes are in addition to any other special feature codes that may apply.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 158 of 166
+
+UAD 3.6 Policy
+
+SB5-2-05, Manufactured Housing Legal Considerations (12/10/2025)
+Introduction
+
+This topic contains information on manufactured housing legal considerations, including:
+
+• Closing Instructions
+• Post Closing Items and Conversion to Real Property
+• Certificate of Title
+•
+•
+•
+•
+• Affidavit of Affixture
+• Background Information Regarding Titling for Manufactured Homes
+• Background Information on States where Surrender of a Certificate of Title is not Permitted
+
+Title Issues and Lien Requirements
+Title Insurance
+Loan Documents
+The Security Instrument
+
+Closing Instructions
+
+Closing instructions must advise closing agents to obtain the required documentation necessary to ensure that the
+manufactured home is attached to a permanent foundation system on the land, thus becoming part of the real property.
+
+If a closing agent is not available to perform this action, the lender can rely on the Completion Report completed by the
+appraiser.
+
+In addition, where state law provides that a manufactured home may be exempt from certificate of title requirements (for
+instance, where a home is attached initially to a permanent foundation system), such closing instructions must instruct the
+closing agent to ensure that the manufactured home qualifies for exemption from certificate of title requirements, including
+monitoring of property installation procedures and the related documentation, and to provide the lender with documentary
+evidence of that for retention in the loan file.
diff --git a/chunks/txt/4a109cae7ff42a5f9674d651d380a366aff1bc5fb1fc6641e1171c8563f2b8f2.txt b/chunks/txt/4a109cae7ff42a5f9674d651d380a366aff1bc5fb1fc6641e1171c8563f2b8f2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7d1a515ed92c5d66cc621d23e59d54fa2638ab91
--- /dev/null
+++ b/chunks/txt/4a109cae7ff42a5f9674d651d380a366aff1bc5fb1fc6641e1171c8563f2b8f2.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)
+ - Language Access
+
+Policy
+
+# Language Access
+
+*** UPDATE: In July 2022, the Federal Housing Finance Agency, Fannie Mae, and Freddie Mac added the updated Supplementary Consumer Information Form (SCIF) (Fannie Mae/Freddie Mac 1103) to the Mortgage Translations website. The SCIF helps industry professionals collect borrower information with standardized questions about homeownership education, housing counseling, and language preference. Additionally, the revised Mortgage Assistance Application, Borrower Solicitation Letter, Forbearance Servicer Script, and a Servicer Script for Homeowners with a Resolved COVID-19 Hardship were also added. All of the documents are now available in English, Spanish, Chinese, Vietnamese, Korean, and Tagalog.**
diff --git a/chunks/txt/4a172cb4ff422bc019183464d1a465f5b75675d3957f441b6efec63b8ddf2040.txt b/chunks/txt/4a172cb4ff422bc019183464d1a465f5b75675d3957f441b6efec63b8ddf2040.txt
new file mode 100644
index 0000000000000000000000000000000000000000..91348cf2631219d5774f9324869e8290ff844ddb
--- /dev/null
+++ b/chunks/txt/4a172cb4ff422bc019183464d1a465f5b75675d3957f441b6efec63b8ddf2040.txt
@@ -0,0 +1,123 @@
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/RESEARCH/COMPARABLE[@_HasPriorSalesIndicator=‘Y’]
+
+Indicates whether the comparable property
+has prior sales history.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/RESEARCH/COMPARABLE[@_HasPriorSalesIndicator=‘N’]
+
+1
+
+1
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+
+PRIOR SALE
+HISTORY
+
+Comparable Prior Sales History
+Data Source(s)
+
+Data Source
+Description
+
+A free-form text field used to describe the
+source of information.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/RESEARCH/COMPARABLE/@DataSourceDescription
+
+150
+
+String
+
+This field should indicate the data sources for the comparables’ prior sale history.
+
+If field 2-96 (Sales History Researched
+Indicator = 'N') is indicated, this field
+should be populated.
+
+One and only one of fields 2-98, 2-99
+(values of Subject Has Prior Sales
+Indicator) must be indicated.
+
+One and only one of fields 2-98, 2-99
+(values of Subject Has Prior Sales
+Indicator) must be indicated.
+
+One and only one of fields 2-101, 2-
+102 (values of Comparable Has Prior
+Sales Indicator) must be indicated.
+
+One and only one of fields 2-101, 2-
+102 (values of Comparable Has Prior
+Sales Indicator) must be indicated.
+
+T
+
+CR
+
+CR
+
+T
+
+CR
+
+CR
+
+T
+
+T
+
+CR
+
+CR
+
+T
+
+CR
+
+CR
+
+T
+
+T
+
+CR
+
+CR
+
+T
+
+CR
+
+CR
+
+T
+
+PRIOR SALE
+HISTORY
+
+Date of Prior Sale/Transfer
+SUBJECT
+
+GSE Prior Sale
+Date
+
+The date of the prior sale of the subject or
+comparable properties.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0’]/PRIOR_SALES/P
+RIOR_SALES_EXTENSION/PRIOR_SALES_EXTENSION_SECTION[@Exte
+nsionSectionOrganizationName
+='UNIFORM APPRAISAL DATASET']/
+PRIOR_SALES_EXTENSION_SECTION_DATA/PRIOR_SALE/@GSEPriorSa
+leDate
diff --git a/chunks/txt/4a209ba5e4477dab17da17a91011d212f647d8e2a4e674313b360698d5f9cf8c.txt b/chunks/txt/4a209ba5e4477dab17da17a91011d212f647d8e2a4e674313b360698d5f9cf8c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..69638658db24caff7b96386a91a8134a9c734ab7
--- /dev/null
+++ b/chunks/txt/4a209ba5e4477dab17da17a91011d212f647d8e2a4e674313b360698d5f9cf8c.txt
@@ -0,0 +1,385 @@
+YearBuilt
+
+-3900
+
+LivingUnitStandardFinishedAreaAboveGrade
+
+-2500
+
+OutdoorLivingAmenity
+
+-5000
+
+VehicleStorage
+
+353500
+
+East
+
+Less
+
+false
+
+278
+
+3
+
+0.40
+
+-11400
+
+Dwelling
+
+2019
+
+1312
+
+0
+
+false
+
+3
+
+2
+
+0
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+1
+
+NaturalGas
+
+ForcedWarmAir
+
+PropertyPhoto
+
+\\Images\SF5_Comp3.png
+
+image/png
+
+72
+
+364900
+
+SettledSale
+
+25.164176
+
+-51.328128
+
+Hilltop Hills
+
+Deck
+
+Portico
+
+OutdoorLiving
+
+0
+
+Detached
+
+1
+
+true
+
+1
+
+C3
+
+Q4
+
+false
+
+true
+
+false
+
+false
+
+true
+
+true
+
+2023-12-01
+
+3000
+
+2024-01-15
+
+364900
+
+Sale
+
+None
+
+false
+
+15000
+
+Full
+
+Residential
+
+849 Jolly Ave
+
+Anytown
+
+09992
+
+MD
+
+Driveway
+
+Concrete
+
+4
+
+false
+
+0
+
+SalesConcessions
+
+0
+
+ContractDate
+
+0
+
+SaleDate
+
+0
+
+SiteSize
+
+0
+
+NeighborhoodName
+
+0
+
+LivingUnitStandardFinishedAreaAboveGrade
+
+0
+
+VehicleStorage
+
+360000
+
+East
+
+Most
+
+false
+
+290
+
+4
+
+0.71
+
+0
+
+Dwelling
+
+2018
+
+1240
+
+0
+
+false
+
+3
+
+2
+
+0
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+1
+
+NaturalGas
+
+ForcedWarmAir
+
+PropertyPhoto
+
+\\Images\SF5_Comp4.png
+
+image/png
+
+44
+
+362500
+
+SettledSale
+
+25.164177
+
+-51.328129
+
+Woodland Hills
+
+Deck
+
+OutdoorLiving
+
+0
+
+Detached
+
+1
+
+true
+
+1
+
+C3
+
+Q4
+
+false
+
+true
+
+false
+
+false
+
+false
+
+2023-11-03
+
+2023-12-01
+
+360000
+
+Sale
+
+None
+
+false
+
+14500
+
+Full
+
+Residential
+
+342 Trail Dr
+
+Anytown
+
+09992
+
+MD
+
+Driveway
+
+Concrete
+
+2
+
+false
+
+0
+
+SalesConcessions
+
+0
+
+ContractDate
+
+0
+
+SaleDate
+
+0
+
+SiteSize
+
+0
+
+NeighborhoodName
+
+-3000
+
+LivingUnitBathroomCount
+
+0
+
+LivingUnitStandardFinishedAreaAboveGrade
+
+-2500
+
+OutdoorLivingAmenity
+
+0
+
+VehicleStorage
+
+359500
+
+East
+
+Most
+
+false
+
+286
+
+5
+
+0.67
+
+-5500
+
+Dwelling
+
+2018
+
+1278
+
+0
+
+false
+
+3
+
+2
+
+1
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+1
+
+NaturalGas
+
+ForcedWarmAir
+
+PropertyPhoto
+
+\\Images\SF5_Comp5.png
diff --git a/chunks/txt/4a5da98a1a3f5de2490ec708b832a48db9fa3e8a78185b2476888d317eba6518.txt b/chunks/txt/4a5da98a1a3f5de2490ec708b832a48db9fa3e8a78185b2476888d317eba6518.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0a09e0ffcdcb413cb51107b4f39ce60ba919df83
--- /dev/null
+++ b/chunks/txt/4a5da98a1a3f5de2490ec708b832a48db9fa3e8a78185b2476888d317eba6518.txt
@@ -0,0 +1,133 @@
+8.16.1 H. Other –
+
+Borrower-Paid ($)
+
+IntegratedDisclosur
+eSectionTotalAmou
+nt
+
+1650.00
+
+…/INTEGRATED_DIS
+CLOSURE_SECTION
+_SUMMARY/INTEG
+RATED_DISCLOSUR
+E_SECTION_SUMM
+ARY_DETAIL
+
+Provide a value of
+“0.00” if there are no
+charges for this
+category
+ROF as “$619.65”
+
+ROF as “G. Initial
+Escrow Payment at
+Closing”
+
+Provide a value of
+“0.00” if there are
+no charges for this
+category
+ROF as “$1,650.00”
+
+8.16 H. Other
+
+IntegratedDisclosur
+eSectionType
+
+OtherCosts
+
+ROF as “H. Other”
+
+Fifth Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY
+
+8.18.1
+
+I. TOTAL OTHER
+COSTS (Borrower-
+Paid) ($)
+
+…/INTEGRATED_DISC
+LOSURE_SECTION_S
+UMMARY/INTEGRAT
+ED_DISCLOSURE_SEC
+TION_SUMMARY_DE
+TAIL
+
+IntegratedDisclosure
+SectionTotalAmount
+
+4852.65
+
+8.18
+
+I. TOTAL OTHER
+COSTS (Borrower-
+Paid)
+
+8.19
+
+I. Other Costs
+Subtotals (E+F+G+H)
+
+IntegratedDisclosure
+SectionType
+
+TotalOtherCosts
+
+IntegratedDisclosure
+SubsectionType
+
+OtherCostsSubtotal ROF as “I. Other
+
+Costs Subtotals (E + F
++ G + H)”
+
+…/INTEGRATED_DISC
+LOSURE_SECTION_S
+UMMARY/INTEGRAT
+ED_DISCLOSURE_SEC
+TION_SUMMARY_DE
+TAIL
+
+Appendix E: UCD Implementation Guide
+
+Page 125 of 254
+
+Version 1.4
+
+Provide a value of
+“0.00” if there are no
+charges for this
+category
+ROF as “$4,852.65”
+Should equal the sum
+of the subtotals for
+each Other Costs
+category
+
+ROF as “I. TOTAL
+OTHER COSTS
+(Borrower-Paid)”
+
+Uniform Closing Dataset
+
+8.0 Other Costs Table
+
+Table 98. Other Costs Table Category and Subcategory Data
+
+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 INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENT
diff --git a/chunks/txt/4a64fab84e524efa1c28cb03366295716dfc6688a6c6d795d4764ab790c652bb.txt b/chunks/txt/4a64fab84e524efa1c28cb03366295716dfc6688a6c6d795d4764ab790c652bb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..465d1d30acb0ee6fc3b75b528d35702b5fb6bc23
--- /dev/null
+++ b/chunks/txt/4a64fab84e524efa1c28cb03366295716dfc6688a6c6d795d4764ab790c652bb.txt
@@ -0,0 +1,19 @@
+Buyer
+
+Borrower
+
+Valuation
+
+2019-11-30
+
+\\CR2_CompletionReport_v1.3.pdf
+
+application/pdf
+
+1
+
+ValuationCompletion
+
+FNM_FRE
+
+September 2024
diff --git a/chunks/txt/4a6b43d50db1e966a650578b77e28e4dfb8a17b734e676bfd9ba808181cd62ed.txt b/chunks/txt/4a6b43d50db1e966a650578b77e28e4dfb8a17b734e676bfd9ba808181cd62ed.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f805a428bbd17945130c03fef13feaaf2c37782c
--- /dev/null
+++ b/chunks/txt/4a6b43d50db1e966a650578b77e28e4dfb8a17b734e676bfd9ba808181cd62ed.txt
@@ -0,0 +1,195 @@
+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
+
+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
+
+Form FNM 1004 FRE 70
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 55 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
+
+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
+
+276
+
+2
+
+e-24
+
+SALES
+COMPARISON
+APPROACH
+
+Rooms Below Grade
+(line 2)
+
+(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.
+
+277
+
+278
+
+279
+
+280
+
+281
+
+282
+
+283
+
+284
+
+285
+
+286
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+34
+
+35
+
+36
+
+37
+
+38
+
+39
+
+40
+
+41
+
+42
+
+43
+
+Sale Price
+Adjustment
+Description
+
+Sale Price
+Adjustment
+Description
+
+Sale Price
+Adjustment
+Description
+
+Sale Price
+Adjustment
+Description
+
+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.)
+
+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.)
diff --git a/chunks/txt/4a8bae0e3bfea3783ae4b8a0146081878cea84ead6097027ae7578657506449d.txt b/chunks/txt/4a8bae0e3bfea3783ae4b8a0146081878cea84ead6097027ae7578657506449d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..76652816c348601c8f0a755d54b82a622c9f18e6
--- /dev/null
+++ b/chunks/txt/4a8bae0e3bfea3783ae4b8a0146081878cea84ead6097027ae7578657506449d.txt
@@ -0,0 +1,34 @@
+Page 14 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+III. Closing Disclosure Variations – UPDATED
+
+III. CLOS ING DIS CLOS URE VARIATIONS – UPDATED
+
+The Closing Disclosure is a dynamic form with included sections and fields varying based on the transaction
+purpose (purchase or non-seller), loan product (adjustable payments or rates) and disclosure type (complete
+form to both borrower and seller or split form with borrower and seller versions). The GSEs recognize four
+Closing Disclosure variations. These are identified in the UCD with the proper enumeration for
+DocumentTypeOtherDescription:
+
+1. “ClosingDisclosure:ModelForm” (For Purchase Transactions)
+
+2. “ClosingDisclosure:AlternateForm” (For Non-Seller Transactions)
+
+3. “ClosingDisclosure:BorrowerOnly” (For Split Disclosures, the borrowers’ version)
+
+4. “ClosingDisclosure:SellerOnly” (For Split Disclosures, the sellers’ version). All GSE-required seller data is
+
+collected on the ClosingDisclosure:BorrowerOnly form. The ClosingDisclosure:SellerOnly PDF is not required
+so is not included as a column in Table 3.
+
+Table 3 shows the sections and fields that are required for each form variation. The “Form Field ID” and “Form
+Section Name” are listed in the two left columns. The Closing Disclosure variations are listed in the three right
+columns. The form sections required for each variation are checked. In some cases, only certain fields within a
+section need be provided. A blank cell in any column means that the corresponding section should not be
+included on that form.
+
+Table 3. Required Sections for each Closing Disclosure Variation -- UPDATED
diff --git a/chunks/txt/4a8efc35f9a85f5df41e0469c35210fa68a2ccf7e74bbfcb06c34afd4b60cbb6.txt b/chunks/txt/4a8efc35f9a85f5df41e0469c35210fa68a2ccf7e74bbfcb06c34afd4b60cbb6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..eabb2d54aac35977a92f4e482d3be79204e03d95
--- /dev/null
+++ b/chunks/txt/4a8efc35f9a85f5df41e0469c35210fa68a2ccf7e74bbfcb06c34afd4b60cbb6.txt
@@ -0,0 +1,237 @@
+None
+
+Sunnyside
+
+Sunnyside
+Rolling | Adverse Rolling | Adverse
+None
+
+None
+
+$0
+
+16,039 Sq. Ft.
+
+$0
+
+Hilldale
+Flat | Neutral
+
+$0
+$(2,000)
+
+$0
+
+$0
+
+$0
+
+$0
+
+Woods | Neutral
+
+2001
+3
+
+Forced Warm
+Air | Electric
+
+$0
+
+None
+
+Sunnyside
+Rolling | Adverse
+
+Busy Roadway
+| Adverse
+
+Residential
+| Neutral
+
+2004
+3
+
+Forced Warm Air
+| Natural Gas
+
+$0
+
+HERS | 61
+
+Data Source
+Proximity to Subject
+List Price
+Listing Status
+Sale Price
+Sales Concessions
+Contract Date
+Closing Date
+Days on Market
+Attached/Detached
+Property Rights Appraised
+
+Site
+Site Size
+Site (Onsite)
+Neighborhood Name
+Topography | Impact
+Site Influence (Location/Offsite)
+Site Influence | Impact
+
+View
+View | Impact
+
+Dwelling
+Year Built
+Levels
+HVAC
+Heating
+
+Residential | Neutral
+
+Residential
+| Neutral
+
+2004
+3
+
+2004
+3
+
+Forced Warm Air | Natural Gas
+
+Forced Warm Air
+| Natural Gas
+
+HERS | 62
+
+None
+
+Energy Efficient and Green Features
+Energy Rating | Score
+
+Overall Quality and Condition
+Quality
+Condition
+
+Exterior Quality and Condition
+
+Quality
+
+Exterior Walls and Trim
+
+Condition
+
+Interior Quality and Condition
+
+Quality
+
+Condition
+
+Kitchen
+
+Flooring
+
+Q4
+C4
+
+Q4
+
+Vinyl
+
+C3
+
+Q4
+
+C4
+
+Q4
+C4
+
+$(5,000)
+$(5,000)
+
+Q4
+C4
+
+$(1,000)
+
+Q4
+C4
+
+$(5,000)
+$(1,000)
+
+Q4
+
+Vinyl
+
+C3
+
+Q4
+
+C4
+
+Not Updated |
+
+Normal Wear
+
+and Tear
+
+Not Updated |
+
+Normal Wear
+
+and Tear
+
+Q4
+Brick | Vinyl
+
+C3
+
+Q4
+
+C4
+
+Not Updated |
+
+Normal Wear
+
+and Tear
+
+Not Updated |
+
+Normal Wear
+
+and Tear
+
+Brick | Vinyl
+
+Q4
+
+C3
+
+Q4
+
+C4
+
+Partially
+
+Updated | No
+
+Apparent Issues
+
+Not Updated |
+
+Normal Wear
+
+and Tear
+
+Not Updated | Normal
+
+Wear and Tear
+
+Not Updated | Heavily Worn
+
+© 2020 Fannie Mae and Freddie Mac. Trademarks of respective owners.
diff --git a/chunks/txt/4a92c0bd0a687b21061e25c80c09228310e95fade7087df89ca7c34b2e25426a.txt b/chunks/txt/4a92c0bd0a687b21061e25c80c09228310e95fade7087df89ca7c34b2e25426a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5aedb8c70f303a03974aeb795817ba242b100e6d
--- /dev/null
+++ b/chunks/txt/4a92c0bd0a687b21061e25c80c09228310e95fade7087df89ca7c34b2e25426a.txt
@@ -0,0 +1,99 @@
+SALES
+COMPARISON
+APPROACH
+
+Data Source(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='1..N']/COMPARISON
+_DETAIL_EXTENSION/COMPARISON_DETAIL_EXTENSION_SECTION[@
+ExtensionSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/COMPARISON_DETAIL_EXTENSION_SECTION_DATA/COM
+PARISON_DETAIL/@GSEDaysOnMarketDescription
+
+SALES
+COMPARISON
+APPROACH
+
+Verification Source(s)
+
+Data Source
+Verification
+Description
+
+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_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/@DataSourceVe
+rificationDescription
+
+35
+
+30
+
+40
+
+2
+
+10
+
+35
+
+35
+
+35
+
+11
+
+12
+
+27
+
+4
+
+35
+
+Format
+
+String
+
+String
+
+String
+
+String
+
+String
+
+String
+
+String
+
+String
+
+Money
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+Must conform to USPS (Pub 28). 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)
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+Must conform to USPS (Pub 28). The following address element must be included in
+this field:
+• Address unit designator and number.
diff --git a/chunks/txt/4a99eae6bf57cbfcc64c72dd302b6e05b2f1e6416d51fe7c651e41a439879b5a.txt b/chunks/txt/4a99eae6bf57cbfcc64c72dd302b6e05b2f1e6416d51fe7c651e41a439879b5a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f6ca0b04e33494788c2fed412fd7c814c59a926e
--- /dev/null
+++ b/chunks/txt/4a99eae6bf57cbfcc64c72dd302b6e05b2f1e6416d51fe7c651e41a439879b5a.txt
@@ -0,0 +1,97 @@
+Yes | No
+
+Indicates whether sales concessions are typical in the market location.
+
+Appendix F-1: URAR Reference Guide
+
+Page 205 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+20 Sales Contract
+
+Sales Contract Analysis
+
+Sales Contract Analysis
+
+Allowable
+Answers / Format
+
+Free-form
+
+Report
+Field ID
+
+20.011
+
+Report Label
+
+When to Include
+
+Sales Contract
+Analysis
+
+Required if Sales
+Contract Information
+Analyzed is No, or if
+Personal Property
+Conveyed is Yes, or if
+relevant
+
+Sales Contract Exhibits
+
+Definition / Additional Guidance
+
+Details captured above that require additional support, including:
+•
+
+The reasons why the contract was not analyzed. This must include a
+description of the appraiser’s source of the information about the sales
+transaction, efforts made to obtain the contract, and why the contract
+was not provided.
+Information about personal property included in sale.
+Details and other information relevant to this section
+
+•
+•
+
+All photos or images related to the Sales Contract section are displayed in the Sales Contract Exhibits
+subsection. If there are no photos or images, this subsection does not display.
+
+Sales Contract Exhibits
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+See
+iGuide
+
+Sales Contract
+Exhibits
+
+If applicable
+
+Photos or images
+
+Definition / Additional Guidance
+
+Photos or images relevant to the Sales Contract section may be provided,
+which display in Sales Contract Exhibits. Provide a caption to identify each
+photo or image.
+
+Appendix F-1: URAR Reference Guide
+
+Page 206 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
diff --git a/chunks/txt/4aad8534a1d59b698a5803fa63a07800aff8937f7ece19c95f2ff72741d2cd23.txt b/chunks/txt/4aad8534a1d59b698a5803fa63a07800aff8937f7ece19c95f2ff72741d2cd23.txt
new file mode 100644
index 0000000000000000000000000000000000000000..71b89a40b8ffe3e562b36ed0b056df9494561872
--- /dev/null
+++ b/chunks/txt/4aad8534a1d59b698a5803fa63a07800aff8937f7ece19c95f2ff72741d2cd23.txt
@@ -0,0 +1,3 @@
+Overview .................................................................................................................................................................................................................................................. 78
+
+Data Mapping and PDF Rendering Information ....................................................................................................................................................................................... 79
diff --git a/chunks/txt/4ab4cf595a7c6b74c96b14f24204f28f44d9030b8a9de50965029ce4118ada65.txt b/chunks/txt/4ab4cf595a7c6b74c96b14f24204f28f44d9030b8a9de50965029ce4118ada65.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7d649df293c15f4a25acf845794dbdaae45e04af
--- /dev/null
+++ b/chunks/txt/4ab4cf595a7c6b74c96b14f24204f28f44d9030b8a9de50965029ce4118ada65.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\/2486","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/4aba494f7eba4a95bc93ab8367623d01087112003622fdc67bad79adde40160d.txt b/chunks/txt/4aba494f7eba4a95bc93ab8367623d01087112003622fdc67bad79adde40160d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a681572e58c9ce1c988996303bc8d6f63b1ed489
--- /dev/null
+++ b/chunks/txt/4aba494f7eba4a95bc93ab8367623d01087112003622fdc67bad79adde40160d.txt
@@ -0,0 +1,74 @@
+Definition / Additional Guidance
+
+The property exceeds the allowable density established by the local zoning authority (e.g., a two-to-four unit property in
+an area that permits only one-unit properties in the zoning regulations).
+
+Lot Size
+
+Site size does not meet standards established by local zoning authority.
+
+Manufactured Home
+
+Manufactured homes are not allowed on the site.
+
+Other (Describe)
+
+Select Other to enter an answer that is not in the above list.
+
+Property Use
+
+This subsection displays when Site Owned in Common (3.015) is No.
+• When Site Owned in Common 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).
+
+• Commercial space in condominium, cooperative, or condop project buildings is reported in the Project
+
+Information section (18.069).
+
+Report
+Field ID
+
+4.017
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Non-Residential
+Use
+
+Required if Site Owned
+in Common is No
+
+Yes | No
+
+Non-Residential Uses on Property: Indicates whether the property includes
+space set aside to operate a business.
+
+Site: Property Use
+
+When analyzing this for a condominium or cooperative (such as a site condo),
+only include areas that are part of the subject unit and not the entire project.
+Project analysis is handled in the Project Information section.
+
+Notes:
+•
+
+•
+
+If Yes, the Non-Residential Property Use row displays in the Site Features
+Table (4.043-4.046), and additional information must be provided.
+If No, “None” displays.
+
+4.015
+
+Primarily
+Residential
+
+4.016
diff --git a/chunks/txt/4ac0e59ccb9c2c9a48e104462c20efb47e54953b93181ec8f14dcf93dec6c86a.txt b/chunks/txt/4ac0e59ccb9c2c9a48e104462c20efb47e54953b93181ec8f14dcf93dec6c86a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9db16d2b6fd1a307a5f511850f8639b0583d1ddc
--- /dev/null
+++ b/chunks/txt/4ac0e59ccb9c2c9a48e104462c20efb47e54953b93181ec8f14dcf93dec6c86a.txt
@@ -0,0 +1,108 @@
+the close coupling between
+
+terminology on
+
+Figure 45. Rendering Cash to Close Table Data on the CD Model Form.
+
+Calculating Cash to Close
+
+10.0
+
+Loan Estimate
+
+Final
+
+Did this change?
+
+IntegratedDisclosu
+reCashToCloseIte
+mEstimated
+Amount
+
+IntegratedDisclosu
+reCashToClose
+ItemFinalAmount
+
+IntegratedDisclosu
+reCashToClose
+ItemAmount
+ChangedIndicator
+
+10.1.1 $8,054.00 10.1.2 $9,712.00 10.1.3 YES
+
+10.2.1
+
+$0 10.2.2
+
+-$29.00 10.2.3 YES
+
+IntegratedDisclosureCashTo
+CloseItemChangeDescription
+
+10.1.4 See Total Loan Costs
+(D) and Total Other Costs (I)
+
+10.2.4 You paid these
+Closing Costs before closing
+
+10.3.1
+
+$0 10.3.2
+
+$0 10.3.3 NO
+
+10.4.1 $18,000.00 10.4.2 $18,000.00 10.4.3 NO
+
+10.5.1 -$10,000.00 10.5.2 -$10,000.00 10.5.3 NO
+
+10.6.1
+
+$0 10.6.2
+
+$0 10.6.3 NO
+
+10.7.1
+
+$0 10.7.2 -$2,500.00 10.7.3 YES
+
+10.8.1
+
+$0 10.8.2 -$1,035.00 10.8.3 Yes
+
+10.7.4 See Seller Credits in
+Section L
+
+10.8.4 See details in
+Sections K & L
+
+10.9.1 $16,054.00 10.9.2 $14,148.00
+
+IntegratedDisclosureCashToClose
+ItemType
+
+10.1 Total Closing Costs (J)
+“TotalClosingCosts”
+
+10.2 Closing Costs Paid Before Closing
+“ClosingCostsPaidBeforeClosing”
+
+10.3 Closing Costs Financed
+“ClosingCostsFinanced”
+
+10.4 Down Payment
+“DownPayment”
+
+10.5 Deposit
+“Deposit”
+
+10.6 Funds for Borrower
+“FundsForBorrower”
+
+10.7 Seller Credits
+“SellerCredits”
+
+10.8 Adjustments and Other Credits
+“AdjustmentsAndOtherCredits”
+
+10.9 Cash to Close
+“CashToCloseTotal”
diff --git a/chunks/txt/4ac64941af595f61e93c5a0f6fd3575a39ea8f61af8d2d35f3d8637c6434d953.txt b/chunks/txt/4ac64941af595f61e93c5a0f6fd3575a39ea8f61af8d2d35f3d8637c6434d953.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2148fbf4e53b322bfec1d95b655d766d003ed703
--- /dev/null
+++ b/chunks/txt/4ac64941af595f61e93c5a0f6fd3575a39ea8f61af8d2d35f3d8637c6434d953.txt
@@ -0,0 +1,5 @@
+Data Mapping and PDF Rendering ........................................................................................................................................................................................... 23
+
+06 Completion Report Commentary ............................................................................................................................................................................... 26
+
+Overview ................................................................................................................................................................................................................................... 27
diff --git a/chunks/txt/4acd13b55baff51debe78add122f915646ef7277956105ec43ccd5e0e87ada86.txt b/chunks/txt/4acd13b55baff51debe78add122f915646ef7277956105ec43ccd5e0e87ada86.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1d85661acff2d78292bda7338a0b375991999e1c
--- /dev/null
+++ b/chunks/txt/4acd13b55baff51debe78add122f915646ef7277956105ec43ccd5e0e87ada86.txt
@@ -0,0 +1,40 @@
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 76 of 166
+
+UAD 3.6 Policy
+
+Demand/Supply
+
+Marketing Time
+
+• oversupply
+•
+in balance
+•
+shortage
+
+• under three months
+•
+three to six months
+• over six months
+
+The appraiser’s analysis of a property must take into consideration all factors that affect value. Fannie Mae purchases loans in all
+markets, this is particularly important for market areas experiencing significant fluctuations in property values including sub-
+markets for specific types of housing. Therefore, lenders must confirm the appraiser analyzes active listings, pending sales, and
+settled sales based on their defined lookback period. The appraiser must also demonstrate or provide commentary on how the
+market trends were determined for competitive properties within the defined market area. If the price trend includes the use of
+multiple data sources, the appraisal report must include the sources used to determine the price trend and a reconciliation of
+these sources.
+
+When completing the Housing Trends portion of the appraisal report, the trends must be reflective of those properties deemed to
+be competitive to the property being appraised. If the market area contains properties that are truly competitive (that is, market
+participants make no distinction between the properties), then all the properties within the market area would be reflected in the
+Housing Trends.
+
+The appraiser's analysis of housing and price trends must include factual data from information sources such as, but not limited
+to, market data, home price indices, multiple listing services, public records, and/or models, and include market commentary.
+The trend indicated in the appraisal report must reflect the overall movement of the market based on a minimum of 12 months of
+data. Special attention should be given to sales or financing concessions and distressed market competition in market areas with
+declining property values, an oversupply of properties, or marketing times over six months and the appraiser must provide the
+reasons these market conditions exist when present.
diff --git a/chunks/txt/4ace27476bd16ba3d83e5fa3e70991833c9f3a848accc16df3162a43037c2792.txt b/chunks/txt/4ace27476bd16ba3d83e5fa3e70991833c9f3a848accc16df3162a43037c2792.txt
new file mode 100644
index 0000000000000000000000000000000000000000..190e80905988f8b799edef852faaf2227c434912
--- /dev/null
+++ b/chunks/txt/4ace27476bd16ba3d83e5fa3e70991833c9f3a848accc16df3162a43037c2792.txt
@@ -0,0 +1,23 @@
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+38
+
+BORROWER1d. Previous Employment/Self-Employment and IncomeEMPLOYERSEMPLOYERADDRESSAddressLineTextAddressUnitIdentifierCityNameStateCodePostalCodeCountryCodeEMPLOYMENTEmploymentStatusTypeEmploymentPositionDescriptionEmploymentStartDateEmploymentEndDateEmploymentBorrowerSelfEmployedIndicatorEmploymentMonthlyIncomeAmountLEGAL_ENTITYLEGAL_ENTITY_DETAILFullNameData PointsContainersLegend:Income ContainersEmployment ContainersINDIVIDUALNAMEFullName1e. Income from Other SourcesBORROWERCURRENT_INCOMECURRENT_INCOME_ITEMSCURRENT_INCOME_ITEMCURRENT_INCOME_ITEM_DETAILIncomeTypeIncomeTypeOtherDescriptionCurrentIncomeMonthlyTotalAmountEmploymentIncomeIndicator
+
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+39
+
+Data PointsContainersLegend:2a. Assets - Bank Accounts, Retirement, and Other Accounts You HaveASSETSASSETASSET_DETAILAssetTypeAssetAccountIdentifierAssetCashOrMarketValueAmountASSET_HOLDERNAMEFullName2b. Other Assets and Credits You HavePURCHASE_CREDITSDEALLOANSLOANPURCHASE_CREDITPurchaseCreditTypePurchaseCreditTypeOtherDescriptionPurchaseCreditSourceTypePurchseCreditSourceTypeOtherDescriptionPurchaseCreditAmountASSETSASSETASSET_DETAILAssetTypeAssetTypeOtherDescriptionAssetCashOrMarketValueAmount
+
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+40
+
+2c. Liabilities - Credit Cards, Other Debts, and Leases that You OweData PointsContainersLegend:NAMEFullNameLIABILITYLIABILITY_HOLDERLIABILITY_DETAILLiabilityTypeLiabilityTypeOtherDescriptionLiabilityAccountIdentifierLiabilityUnpaidBalanceAmountLiabilityPayoffStatusIndicatorLiabilityMonthlyPaymentAmountLiabilityRemainingTermMonthsCountLiabilityExclusionIndicator2d. Other Liabilities and ExpensesDEALPARTYPARTIESCAIVRSIdentifierEXPENSESEXPENSEROLESROLEBORROWERExpenseTypeExpenseTypeOtherDescriptionExpenseMonthlyPaymentAmountExpenseRemainingTermMonthsCountGOVERNMENT_BORROWER
diff --git a/chunks/txt/4ad1fc521b82e5fc382026b56aae010df2f4439ce17c21e7b61ecf69dd88c2a4.txt b/chunks/txt/4ad1fc521b82e5fc382026b56aae010df2f4439ce17c21e7b61ecf69dd88c2a4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1a950ec4beca9880eabbfee5ce4683a0349e7141
--- /dev/null
+++ b/chunks/txt/4ad1fc521b82e5fc382026b56aae010df2f4439ce17c21e7b61ecf69dd88c2a4.txt
@@ -0,0 +1,3 @@
+Table Column Headers ............................................................................................................................................................................................................................. 23
+
+Document Conventions............................................................................................................................................................................................................................ 23
diff --git a/chunks/txt/4ad2a4565622a42ca69e21826037828536fcac7c29e42a3dbebd8262f8b498eb.txt b/chunks/txt/4ad2a4565622a42ca69e21826037828536fcac7c29e42a3dbebd8262f8b498eb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b4c9a2f4a43eb8382df5c72571de03f112dfe35b
--- /dev/null
+++ b/chunks/txt/4ad2a4565622a42ca69e21826037828536fcac7c29e42a3dbebd8262f8b498eb.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/faqs"
+date_accessed: "2026-01-27T17:48:02.348Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/4ad73202b503bff55b08d758ff2ed69f99c3aded6b56ad28328f3c8b8f45404b.txt b/chunks/txt/4ad73202b503bff55b08d758ff2ed69f99c3aded6b56ad28328f3c8b8f45404b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..454ec15d6ec5310fd6e3937bca40b38c790ca1c9
--- /dev/null
+++ b/chunks/txt/4ad73202b503bff55b08d758ff2ed69f99c3aded6b56ad28328f3c8b8f45404b.txt
@@ -0,0 +1,175 @@
+Form FNM 1075 FRE 466
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 139 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
+
+171
+
+1
+
+164
+
+PROJECT
+INFORMATION
+
+If Project Incomplete
+# of Planned Phases
+
+Development Stage
+Total Phases Count
+
+Number of phases that exist in the project.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE
+[@_Type='Incomplete']/@_TotalPhasesCount
+
+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
+
+174
+
+1
+
+167
+
+PROJECT
+INFORMATION
+
+If Project Incomplete
+# of Units Sold
+
+Units Sold Count
+
+Total number of living units sold.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE
+[@_Type='Incomplete']/@UnitsSoldCount
+
+175
+
+1
+
+168
+
+PROJECT
+INFORMATION
+
+If Project Incomplete
+# of Units Rented
+
+Units Rented Count Total number of living units rented.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE
+[@_Type='Incomplete']/@UnitsRentedCount
+
+176
+
+177
+
+178
+
+179
+
+180
+
+181
+
+182
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+1
+
+169
+
+170
+
+171
+
+172
+
+173
+
+174
+
+175
diff --git a/chunks/txt/4ad837adb8287c706001005f00e14296b26c2b822a1f42760c0bc0500dc6d480.txt b/chunks/txt/4ad837adb8287c706001005f00e14296b26c2b822a1f42760c0bc0500dc6d480.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8b2a32e7112740da47bf8d521e2c2637e0c090e3
--- /dev/null
+++ b/chunks/txt/4ad837adb8287c706001005f00e14296b26c2b822a1f42760c0bc0500dc6d480.txt
@@ -0,0 +1,60 @@
+If the borrower is able to document (per the table below) that the rental property was not in service the previous tax year, or was
+in service for only a portion of the previous tax year, the lender may determine qualifying rental income by using one of the
+following options:
+
+•
+•
+
+Schedule E income and expenses, and annualizing the income (or loss) calculation, or
+fully executed lease agreement(s) to determine the gross rental income to be used in the net rental income (or loss)
+calculation.
+
+If ...
+
+the property was acquired or placed into service
+during the most recent tax filing year,
+
+Then ...
+
+•
+
+•
+
+the lender must confirm the purchase date using the
+settlement statement or other documentation, and
+
+Fair Rental Days on Schedule E of the most recently
+filed tax return must confirm partial year rental
+income.
+
+the property was acquired or placed into service
+subsequent to the most recent tax filing year,
+
+the lender must confirm the purchase date using the
+settlement statement or other documentation, if applicable.
+
+In addition, for properties recently converted to an investment
+property or newly placed in service, obtain Schedule E of the most
+recently filed tax return to confirm no rental income of expenses
+for this property.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 38 of 166
+
+UAD 3.6 Policy
+
+the property was acquired prior to the most recent tax
+filing year, but the rental property was out of service
+for an extended period,
+
+•
+
+•
+
+repair expenses on Schedule E of the most recently
+filed tax return must reflect the costs for renovation
+or rehabilitation. Additional documentation may be
+required to ensure that the expenses support a
+significant renovation that supports the amount of
+time that the rental property was out of service.
diff --git a/chunks/txt/4add0117f64fb38f1c5c951bf21e8181fa8956b3dada768a5492cdb2858bdae4.txt b/chunks/txt/4add0117f64fb38f1c5c951bf21e8181fa8956b3dada768a5492cdb2858bdae4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..080fa89b269e71732f7ffb38f1c4469c1542d494
--- /dev/null
+++ b/chunks/txt/4add0117f64fb38f1c5c951bf21e8181fa8956b3dada768a5492cdb2858bdae4.txt
@@ -0,0 +1,260 @@
+ExteriorWallsAndTrim
+
+CrawlSpace
+
+Other
+
+Pier with Tie Down
+
+Foundation
+
+true
+
+Composition
+
+TypicalWearAndTear
+
+Roof
+
+C4
+
+Q4
+
+1
+
+Propane
+
+ForcedWarmAir
+
+Outbuilding
+
+true
+
+Barn
+
+0
+
+500
+
+true
+
+Outbuilding
+
+true
+
+Workshop
+
+HalfBathroom
+
+1
+
+Electricity
+
+SanitarySewer
+
+Water
+
+0
+
+1200
+
+PropertyPhoto
+
+\\Images\MH1_Comp1.png
+
+image/png
+
+65
+
+440000
+
+SettledSale
+
+25.165172
+
+-51.328126
+
+Magic Hill
+
+Deck
+
+Deck
+
+OutdoorLiving
+
+1
+
+IndoorFireplace
+
+WholeHome
+
+0
+
+Detached
+
+1
+
+true
+
+1
+
+C3
+
+Q4
+
+false
+
+true
+
+FeeSimple
+
+false
+
+false
+
+false
+
+MineralRights
+
+false
+
+true
+
+true
+
+2019-06-01
+
+12000
+
+2019-08-05
+
+435000
+
+Sale
+
+TypicallyMotivated
+
+None
+
+Gravel
+
+Rural
+
+false
+
+Park
+
+Lake Virginia
+
+Lake
+
+true
+
+ShallowWater
+
+None
+
+BodyOfWater
+
+40
+
+true
+
+4.93
+
+Full
+
+Woods
+
+456 Thirsty Ave
+
+Some City
+
+Alpine
+
+20141
+
+VA
+
+3
+
+25.165176
+
+-51.328122
+
+AssessorUnformattedIdentifier
+
+87498461513542100
+
+2017-01-01
+
+100000
+
+Sale
+
+10
+
+Lot: 123 Block: 321 Dry Road
+
+Some City
+
+Alpine
+
+20141
+
+2
+
+25.165175
+
+-51.328123
+
+AssessorUnformattedIdentifier
+
+654651354132
+
+2016-01-01
+
+150000
+
+Sale
+
+3
+
+123 Water Front Dr
+
+Some City
+
+Alpine
+
+20141
+
+VA
+
+1
+
+25.165174
+
+-51.328124
+
+AssessorUnformattedIdentifier
+
+555666999000111
+
+2018-01-01
+
+200000
+
+Sale
+
+4
+
+BL2345-1234567
+
+Client
+
+Nowhere43215921
+
+ValuationSoftwareVendor
+
+Depreciated cost for the barn and the garage are physical in nature. Cost of all structures are based off a lump sum estimate per square foot or per cubic foot of all components of the structure including their foundations. The comparative unit method is used to derive a cost estimate in terms of dollars per unit of area, or volume, based on known cost of similar structures that are adjusted for time, and physical differences. The cost estimate is then applied to the total building area.
+Depreciated site improvements include 2 decks, dock, utilities to site and electric to water front, fencing, and driveway.
diff --git a/chunks/txt/4ae7759b12e686a88142982e1b4fd4f52ed0744e85af78be48f0b46d9dcf3ad9.txt b/chunks/txt/4ae7759b12e686a88142982e1b4fd4f52ed0744e85af78be48f0b46d9dcf3ad9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4520f0230f4bed33b9855cae15cf4a5fe2151d13
--- /dev/null
+++ b/chunks/txt/4ae7759b12e686a88142982e1b4fd4f52ed0744e85af78be48f0b46d9dcf3ad9.txt
@@ -0,0 +1,3 @@
+Special Characters in XML .......................................................................................................................................................................................................... 29
+
+Arcroles/Data Relationships ..................................................................................................................................................................................................................... 29
diff --git a/chunks/txt/4ae7c8024cc1234952866b74efc00bee0661e66eeba9d6cdb192a90ed614764f.txt b/chunks/txt/4ae7c8024cc1234952866b74efc00bee0661e66eeba9d6cdb192a90ed614764f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1d40f8e964cce47fe180b306875b5bd9dae014ce
--- /dev/null
+++ b/chunks/txt/4ae7c8024cc1234952866b74efc00bee0661e66eeba9d6cdb192a90ed614764f.txt
@@ -0,0 +1,67 @@
+One instance of LOAN_IDENTIFIER is always required with
+LoanIdentifierType = “LenderLoan”
+
+Up to 3 additional instances of LOAN_IDENTIFIER may be
+provided as applicable.
+
+LOAN_DETAIL data points specified in UCD v2.0 are described below in alphabetical order. UCD v2.0 excerpt and XML snippet
+of LOAN_DETAIL data points close this section.
+
+1. ASSUMABLE
+
+The AssumabilityIndicator value shows whether a subsequent purchaser may be permitted to assume the remaining loan
+
+obligation.
+
+Figure 78. Rendering AssumabilityIndicator on the CD.
+
+Loan Disclosures
+
+17.1 Assumption
+
+17.0
+
+If you sell or transfer this property to another person, your lender
+
+ will allow, under certain conditions, this person to assume this
+
+loan on the original terms.
+
+ will not allow assumption of this loan on the original terms.
+
+2. BALLOON PAYMENT
+
+The GSEs do not purchase loans with balloon payments, so the value for BalloonIndicator should always be “false”.
+
+Figure 79. Rendering BalloonIndicator on the CD.
+
+Loan Terms
+
+4.0
+
+Does the loan have these features?
+
+4.5 Balloon Payment
+
+4.5.2 NO
+
+4.5.3
+
+3. TEMPORARY BUYDOWN SUBSIDY
+
+When the interest rate on the loan adjusts because the rate was bought down for a pre-determined period less than the
+note term, the loan has a temporary buydown subsidy, the value of BuydownTemporarySubsidyFundingIndicator is “true”.
+
+UCD v2.0 Implementation Guide
+
+- 111 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+4. CONSTRUCTION
+
+When the value of the ConstructionLoanIndicator is “true,” “Construction” can be rendered for the CD field 3.3 “Product”.
diff --git a/chunks/txt/4af7d0231a7cfae511479a61b5e1b760fce1f36af6d0ea2c43e91a50504b8d71.txt b/chunks/txt/4af7d0231a7cfae511479a61b5e1b760fce1f36af6d0ea2c43e91a50504b8d71.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e4c2642a964c73ee569e09fc742f9fb887908fde
--- /dev/null
+++ b/chunks/txt/4af7d0231a7cfae511479a61b5e1b760fce1f36af6d0ea2c43e91a50504b8d71.txt
@@ -0,0 +1,96 @@
+SF NFA
+
+5
+
+Federal Housing
+Finance Agency
+
+Enterprise Public Use Database Data Dictionary
+Data Release of 2024 Acquisitions
+
+Single-Family Properties
+National File A
+
+Field # Field
+Width
+1
+
+11
+
+Header Name
+
+Field Name
+
+Values
+
+Description / Comments
+
+race_ethnicity_coborr
+
+Co-Borrower Race or
+National Origin, and
+Ethnicity
+
+1 = American Indian or Alaska Native
+2 = Asian
+3 = Black or African American
+4 = Native Hawaiian or Other Pacific
+Islander
+5 = White
+6 = Two or more races
+7 = Hispanic or Latino
+9 = Not available/not applicable
+
+Categories 1-7 consolidate information on co-
+borrower race and ethnicity reported by the
+Enterprise. Categories 1 through 6 include
+only co-borrowers not identified as Hispanic or
+Latino. Categories 1-5 include non-Hispanic
+or Latino co-borrowers identifying only one
+race category. Category 6 includes non-
+Hispanic or Latino co-borrowers identifying
+two or more races. Category 7 includes co-
+borrowers identified as Hispanic or Latino, of
+any race. Category 9 includes mortgages for
+which no co-borrower race or ethnicity is
+identified, originally coded as information not
+provided by the co-borrower in a mail or
+telephone application, no co-borrower, not
+applicable, or not available.
+
+12
+
+1
+
+sex_borr
+
+Borrower Sex
+
+1 = Male
+2 = Female
+3 = Information is not provided by the
+borrower in a mail or telephone
+application
+4 = Not applicable
+9 = Missing
+
+SF NFA
+
+6
+
+Federal Housing
+Finance Agency
+
+Enterprise Public Use Database Data Dictionary
+Data Release of 2024 Acquisitions
+
+Single-Family Properties
+National File A
+
+Header Name
+
+Field Name
+
+Values
+
+Description / Comments
diff --git a/chunks/txt/4b01a33467cd11178ec3dc3cbf8f0ac9327fbe47720e3927e2f0e60c210455d7.txt b/chunks/txt/4b01a33467cd11178ec3dc3cbf8f0ac9327fbe47720e3927e2f0e60c210455d7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..53b86292831e9de86289a429eac8738a478ec9ad
--- /dev/null
+++ b/chunks/txt/4b01a33467cd11178ec3dc3cbf8f0ac9327fbe47720e3927e2f0e60c210455d7.txt
@@ -0,0 +1,53 @@
+II. Proposed Revisions to the PUDB
+Matrices
+
+To determine the appropriate
+
+treatment of the newly required data
+elements for purposes of the PUDB,
+FHFA asked each Enterprise to indicate
+whether it is collecting the following
+mortgage purchase data and, if so, to
+provide such data to FHFA for inclusion
+in the PUDB: (1) Single-family property
+type; (2) multifamily lien status; (3)
+multifamily borrower race or national
+origin 1–5; (4) multifamily co-borrower
+race or national origin 1–5; (5)
+multifamily borrower ethnicity; (6)
+multifamily co-borrower ethnicity; (7)
+multifamily borrower gender; (8)
+multifamily co-borrower gender; (9)
+multifamily rate spread; and (10)
+multifamily HOEPA status.4 In response
+to FHFA’s request, the Enterprises
+provided FHFA with single-family
+property type and multifamily lien
+status data. The Enterprises did not
+provide the other information requested,
+which they stated they do not collect.
+
+FHFA also provided both Enterprises
+
+with an opportunity to review and
+comment on FHFA’s proposed revisions
+to the single-family and multifamily
+PUDB matrices. In addition, FHFA
+stated that it would consider any
+assertions by the Enterprises that the
+release of a specific data field would
+result in the release of their proprietary
+data, and would make a determination
+on this matter in accordance with
+applicable statutory and regulatory
+requirements. However, data fields that
+are required to be reported under
+HMDA at the census tract level,
+pursuant to section 1323(a)(2) of the
+Safety and Soundness Act, as amended,
+are not subject to regulatory and
+statutory processes for proprietary
+determinations that might otherwise
+apply to the release of such data since
+the disclosure of these data is explicitly
+required by statute.
diff --git a/chunks/txt/4b1e955a707f55e3c153d1951ce216f49c3f60fbc3bf396585fe88749731053c.txt b/chunks/txt/4b1e955a707f55e3c153d1951ce216f49c3f60fbc3bf396585fe88749731053c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..86f3958d977cf6777e7c65160b16d22dae348154
--- /dev/null
+++ b/chunks/txt/4b1e955a707f55e3c153d1951ce216f49c3f60fbc3bf396585fe88749731053c.txt
@@ -0,0 +1,45 @@
+**Media**
+
+Media please contact: [MediaInquiries@FHFA.gov](mailto:MediaInquiries@FHFA.gov).
+
+**Congressional Affairs**
+
+Members of Congress or staff please contact: the Office of Congressional Affairs at [CongressionalAffairs@FHFA.gov](mailto:CongressionalAffairs@FHFA.gov).
+
+**Webmaster**
+
+Report technical difficulties or accessibility issues to [FHFAwebmaster@FHFA.gov](mailto:FHFAwebmaster@FHFA.gov).
+
+**Report Waste, Fraud or Abuse**
+
+Contact the FHFA Office of Inspector General [www.fhfaoig.gov](https://www.fhfaoig.gov).
+
+Sign up for email updates
+
+Leave this field blank
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [](https://www.facebook.com/FHFA)
+ - [](https://www.x.com/FHFA)
+ - [](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [](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/4b3e21760c2c173a187d265a1e8166056a73de0b150c2a532dbdb6aace6e115a.txt b/chunks/txt/4b3e21760c2c173a187d265a1e8166056a73de0b150c2a532dbdb6aace6e115a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a6eb01742c8cb72cf78f4adede8955eadb077575
--- /dev/null
+++ b/chunks/txt/4b3e21760c2c173a187d265a1e8166056a73de0b150c2a532dbdb6aace6e115a.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
+
+
+
+# Conservatorship
+
+As the conservator of Fannie Mae and Freddie Mac, we help guide their business decisions to protect America’s homeowners and build a sound infrastructure for future mortgage finance markets.
diff --git a/chunks/txt/4b4005e32b8f716f53dac6d647f223d8b3649c1e97c8f483cfd3f5fef6a77dc4.txt b/chunks/txt/4b4005e32b8f716f53dac6d647f223d8b3649c1e97c8f483cfd3f5fef6a77dc4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8e0e98d2fe8672dca8921115f6150038bf9da3a6
--- /dev/null
+++ b/chunks/txt/4b4005e32b8f716f53dac6d647f223d8b3649c1e97c8f483cfd3f5fef6a77dc4.txt
@@ -0,0 +1,45 @@
+Will be constructed after the lease is executed.
+
+The initial land rent should be established as a percentage
+of the appraised value of the land on the date that the
+lease is executed.
+
+The purchase price may be adjusted annually during the
+term of the lease to reflect the percentage increase or
+decrease in the index from the preceding year.
+
+Leases may be offered with or without a limitation on
+increases or decreases in the rent payments.
+
+The purchase price of the land should be the lower of the
+following:
+
+•
+
+•
+
+the current appraised value of the land, or
+
+the amount that results when the percentage of
+the total original appraised value that
+represented the land alone is applied to the
+current appraised value of the land and
+improvements.
+
+For example, assume that the total original appraised
+value for a property was $160,000, and the land alone was
+valued at $40,000 (thus representing 25% of the total
+appraised value). If the current appraised value is
+$225,000, $50,000 for land and $175,000 for improvements,
+the purchase price would be $50,000 (the current
+appraised value of the land, because it is less than 25% of
+$225,000).
+
+Note: If the lease is tied to an external index, the initial
+land value may not exceed 40% of the combined
+appraised value of the land and improvements.
+
+Exceptions to Leasehold Requirements
+
+Leasehold estates granted by community land trusts and high LTV refinance loans secured by leasehold estates are not subject to
+the requirements in this topic. See Selling Guide B5-5.3-02, Shared Equity Transactions: General Requirements, B5-5.3-03, Shared
diff --git a/chunks/txt/4b4fd6633660685d8da0ca3c0e8e1a6ae993fd6694527126c435a77adca8624e.txt b/chunks/txt/4b4fd6633660685d8da0ca3c0e8e1a6ae993fd6694527126c435a77adca8624e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cd99a94c297a6e2c8aa252a970833c9703c3bf28
--- /dev/null
+++ b/chunks/txt/4b4fd6633660685d8da0ca3c0e8e1a6ae993fd6694527126c435a77adca8624e.txt
@@ -0,0 +1,29 @@
+29.036
+
+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.
+
+29.037
+
+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.
+
+29.038
+
+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.
+
+29.039
+
+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.
+
+29.040
+
+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/4b56f8d39c4d8c5f449a8ad373fd6d26335aaad91d339bc803247403d48bd7be.txt b/chunks/txt/4b56f8d39c4d8c5f449a8ad373fd6d26335aaad91d339bc803247403d48bd7be.txt
new file mode 100644
index 0000000000000000000000000000000000000000..082707672fcd02b8448363c3015b12fdbf1f60d7
--- /dev/null
+++ b/chunks/txt/4b56f8d39c4d8c5f449a8ad373fd6d26335aaad91d339bc803247403d48bd7be.txt
@@ -0,0 +1,103 @@
+Page 332 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+26 Reconciliation
+
+Example 1. Cost to Repair Reporting Method is None
+
+Example 2. Cost to Repair Reporting Method is Total Cost
+
+Appendix F-1: URAR Reference Guide
+
+Page 333 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+26 Reconciliation
+
+Example 3. Cost to Repair Reporting Method is Itemized
+
+As Is Overall Condition Rating
+
+Reconciliation: As Is Overall Condition Rating
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+26.071 As Is Overall
+
+Condition Rating
+
+Required if New
+Construction is No, and
+Market Value
+Condition is Subject to
+Completion Per Plans
+or Subject to Repair
+
+Allowable
+Answers / Format
+
+C1 to C6
+
+26.071 N/A
+
+Displays when As Is
+Overall Condition
+Rating displays
+
+N/A
+
+Reconciliation Exhibits
+
+Definition / Additional Guidance
+
+Provide the As Is Overall Condition Rating reflecting the property’s current
+condition if Market Value Condition is any of the following:
+•
+Subject to Completion Per Plans (such as an addition)
+•
+Subject to Repair
+
+Notes:
+•
+
+Reference Appendix 2: Condition and Quality Rating Definitions for
+definitions.
+
+Existing condition of the property as of the effective date of this appraisal,
+excluding all required repairs, alterations, or inspections
+
+All photos or images related to the Reconciliation section are displayed in the Reconciliation Exhibits
+subsection. If there are no photos or images, this subsection does not display.
+
+Reconciliation Exhibits
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+See
+iGuide
+
+Reconciliation
+Exhibits
+
+If applicable
+
+Photos or images
diff --git a/chunks/txt/4b65051d226171636d03630723e53d0dcd62f545862fef73259d216357a1c0b4.txt b/chunks/txt/4b65051d226171636d03630723e53d0dcd62f545862fef73259d216357a1c0b4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..da3b8a129a8534ff4067806a07c958fc2e527cbe
--- /dev/null
+++ b/chunks/txt/4b65051d226171636d03630723e53d0dcd62f545862fef73259d216357a1c0b4.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
+
+# Suspended Counterparty Program
+
+FHFA established the Suspended Counterparty Program to help address the risk to Fannie Mae, Freddie Mac, and the Federal Home Loan Banks presented by individuals and entities with a history of fraud or other financial misconduct.
+
+FHFA established the Suspended Counterparty Program ([12 CFR part 1227](https://www.ecfr.gov/current/title-12/chapter-XII/subchapter-B/part-1227)) to help address the risk to Fannie Mae, Freddie Mac, and the Federal Home Loan Banks (“the regulated entities”) presented by individuals and entities with a history of fraud or other financial misconduct. Under this program, FHFA may issue orders suspending an individual or entity from doing business with the regulated entities.
diff --git a/chunks/txt/4b6d9c5071a534dbe5a57c27634c05c0f118c776bfb306a01f97caa4acd50712.txt b/chunks/txt/4b6d9c5071a534dbe5a57c27634c05c0f118c776bfb306a01f97caa4acd50712.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2394116ef1af75f7df222cdc9ff6970b350d85d6
--- /dev/null
+++ b/chunks/txt/4b6d9c5071a534dbe5a57c27634c05c0f118c776bfb306a01f97caa4acd50712.txt
@@ -0,0 +1,28 @@
+##### Test Cases
+
+- [URAR: No UAD Findings](/media/document/xml/sf1appraisalv1-no-uad-findings)
+- [URAR: UAD Findings](/media/document/xml/sf1appraisalv2-uad-findings-response)
+- [Appraisal Update: No UAD Findings](/media/document/xml/au1appraisalupdateno-findings)
+- [Appraisal Update: UAD Findings](/media/document/xml/au1appraisalupdateuad-findings)
+- [Completion Report: No UAD Findings](/media/document/xml/cr1completionreportno-findings)
+- [Completion Report: UAD Findings](/media/document/xml/cr1completionreportuad-findings)
+
+Uniform Closing Dataset (UCD)
+
+##### Integration Impact Memos
+
+- [UCD Spec and Schema Changes | July 7, 2025](/media/document/pdf/ucd-spec-and-schema-changes-july-7-2025)
+- [UCD Collection Solution Maintenance Window Change Integration Impact Memo | Oct. 5, 2023](/media/document/pdf/ucd-collection-solution-maintenance-window-change-integration-impact-memo)
+- [Quick Guide for UCD Enhancements | Oct. 12, 2022](/media/document/pdf/quick-guide-ucd-enhancements-oct-12-2022)
+- [UCD B2B Gateway Cloud Migration Integration Impact Memo | July 13, 2022](/media/document/pdf/ucd-b2b-gateway-cloud-migration-integration-impact-memo-july-13-2022)
+- [UCD Critical Edits Updates – Phases 1 and 2 | Dec. 2, 2021](/media/document/pdf/ucd-critical-edits-updates-phases-1-and-2-dec-2-2021)
+
+##### Release Notes
+
+- [2025 UCD Release Notes](/media/document/pdf/2025-ucd-release-notes)
+- [2024 UCD Release Notes](https://singlefamily.fanniemae.com/media/document/pdf/2024-ucd-release-notes)
+- [2023 UCD Release Notes](https://singlefamily.fanniemae.com/media/document/pdf/2023-ucd-release-notes)
+- [2022 UCD Release Notes](https://singlefamily.fanniemae.com/media/30371/display)
+- [2021 UCD Release Notes](https://singlefamily.fanniemae.com/media/25901/display)
+- [2020 UCD Release Notes](/media/document/pdf/2020-ucd-release-notes)
+- [2019 UCD Release Notes](/media/document/pdf/2019-ucd-release-notes)
diff --git a/chunks/txt/4b733d52fd3c8efca855c846e15bfb328d989e7f00ad08c8810b17c3713ab07e.txt b/chunks/txt/4b733d52fd3c8efca855c846e15bfb328d989e7f00ad08c8810b17c3713ab07e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fb02c154672529289a8d554d8c5859aa5a806ae2
--- /dev/null
+++ b/chunks/txt/4b733d52fd3c8efca855c846e15bfb328d989e7f00ad08c8810b17c3713ab07e.txt
@@ -0,0 +1,55 @@
+Desktop Originator® (DO®)/(DU) User Interface
+
+If positive rental history on an FHA Purchase loan casefile is indicated by a “Yes” selection in the Positive Rental
+History pull down menu, DU will issue message ID 2476. See UI screen shots below:
+
+© 2022 Fannie Mae. Trademarks of Fannie Mae.
+
+10.19.22 1 of 4
+
+© 2022 Fannie Mae. Trademarks of Fannie Mae.
+
+10.19.22 2 of 4
+
+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/sf
+h/handbook_4000-1
+
+HUD Mortgagee Letters
+
+https://www.hud.gov/hudclips/letters/mortgagee
+
+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
+
+© 2022 Fannie Mae. Trademarks of Fannie Mae.
+
+10.19.22 3 of 4
+
+Release Support
+
+The DU for government loans release will be implemented in the DU integration environment on or about Oct. 26,
+2022. Integration partners will be notified via e-mail from Integration News (integration_news@fanniemae.com) after
+implementation.
+
+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.
diff --git a/chunks/txt/4b755fed25695b31494a1dc6eaa2869dca082ea31f27348fac2653cd11331c0c.txt b/chunks/txt/4b755fed25695b31494a1dc6eaa2869dca082ea31f27348fac2653cd11331c0c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3457ff9dafca6902e75f4746dbed944f4b566f0a
--- /dev/null
+++ b/chunks/txt/4b755fed25695b31494a1dc6eaa2869dca082ea31f27348fac2653cd11331c0c.txt
@@ -0,0 +1,109 @@
+o Illustrates the treatment of common areas (stairwell and landings) in the Gross Building
+
+Finished Area row.
+
+o Includes a time adjustment in the Contract Date row.
+
+•
+
+Rental Information
+
+o Six rental comps, two from each comparable property
+
+▪
+▪
+
+Comps 1, 3, and 5 were first floor units and compared to subject units A and B
+Comps 2, 4, and 6 were second floor units and compared to subject units C and
+D
+
+o Additional row for Amenities
+
+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
+
+171 COWBOY LN, ANYPLACE, TX 01234
+
+SUMMARY
+
+Opinion of Market Value
+
+$785,000
+
+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
+
+05/01/2023
+Refinance
+John Seller
+John Seller
+None
+
+Property Valuation Method
+Appraiser Name
+
+Traditional Appraisal
+John P. 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
+C3
+
+Yes No
+
+
+
+
+
+
+Yes No
+
+
+This is where the Dwelling Front photo would display.
+
+Units Excluding ADUs
+Accessory Dwelling Units
+Property Rights Appraised
+
+4
+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?
diff --git a/chunks/txt/4b9d41fde232ae2bf4bbaadd4b9c8ebbff490bf9ff694adb1b4fa009dee87cae.txt b/chunks/txt/4b9d41fde232ae2bf4bbaadd4b9c8ebbff490bf9ff694adb1b4fa009dee87cae.txt
new file mode 100644
index 0000000000000000000000000000000000000000..66d41523c018455b683ba1bf448c4429cdb661c1
--- /dev/null
+++ b/chunks/txt/4b9d41fde232ae2bf4bbaadd4b9c8ebbff490bf9ff694adb1b4fa009dee87cae.txt
@@ -0,0 +1,21 @@
+- ## Mortgage Loan and Natural Disaster Dashboard
+
+FHFA’s interactive Mortgage Loan and Natural Disaster Dashboard maps data from FHFA’s PUDB reports on single-family and multifamily acquisitions for the regulated entities, FEMA’s National Risk Index (NRI), and FHFA’s Duty to Serve 2023 High-Needs rural areas.
+
+[View More](/data/dashboard/mortgage-loan-and-natural-disaster)
+
+- ## UAD Aggregate Statistics Top 100 Metro Areas Dashboard
+
+An interactive list ranking the 100 largest metropolitan areas by annual and quarterly change in median appraised value.
+
+[View More](/data/dashboard/uad-aggregate-statistics-top-100-metro-areas-dashboard)
+
+- ## Borrower Assistance Map
+
+Borrower Assistance Map provides data on the performance of the Enterprises’ single-family loans and the level of assistance being provided to distressed borrowers including home retention and foreclosure alternative actions by state.
+
+[View More](/data/dashboard/borrower-assistance-map)
+
+- ## Duty to Serve High-Needs Counties Map
+
+The Duty to Serve High-Needs Counties Map is an interactive map that highlights counties where census tracts that are categorized as Duty to Serv High-Needs Rural Regions are located. These include Persistent Poverty Counties, Middle Appalachia, Lower Mississippi Delta, and Colonias. Effective July 1, 2023, [**amendments to the Duty to Serve regulation**](/regulation/federal-register/final-rule/enterprise-duty-to-serve-underserved-markets-colonia-census-tract-amendments) modify the definition of "rural area" to include all "colonia census tracts" that would not otherwise satisfy the definition.
diff --git a/chunks/txt/4ba4482090649d08f0652ae851b7cfa299cb10b104bcadd83ceec25a804ecb81.txt b/chunks/txt/4ba4482090649d08f0652ae851b7cfa299cb10b104bcadd83ceec25a804ecb81.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7585b2e483599f1604d1de83f2d1fcb22693a5a3
--- /dev/null
+++ b/chunks/txt/4ba4482090649d08f0652ae851b7cfa299cb10b104bcadd83ceec25a804ecb81.txt
@@ -0,0 +1,20 @@
+enterprise: 2 | record_num_mf_nf: 20000001 | tract_minority_cat: 3 | tract_income_cat: 9 | afford_mf: 1 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 3
+enterprise: 2 | record_num_mf_nf: 20000002 | tract_minority_cat: 3 | tract_income_cat: 2 | afford_mf: 1 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 3
+enterprise: 2 | record_num_mf_nf: 20000003 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 1 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 3
+enterprise: 2 | record_num_mf_nf: 20000004 | tract_minority_cat: 3 | tract_income_cat: 2 | afford_mf: 4 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 5
+enterprise: 2 | record_num_mf_nf: 20000005 | tract_minority_cat: 3 | tract_income_cat: 9 | afford_mf: 4 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 5
+enterprise: 2 | record_num_mf_nf: 20000006 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 8 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 5
+enterprise: 2 | record_num_mf_nf: 20000007 | tract_minority_cat: 3 | tract_income_cat: 3 | afford_mf: 8 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 3
+enterprise: 2 | record_num_mf_nf: 20000008 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 8 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 2 | fed_guarantee_mf_nf: 2 | units_num_cat: 5
+enterprise: 2 | record_num_mf_nf: 20000009 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 8 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 3
+enterprise: 2 | record_num_mf_nf: 20000010 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 8 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 2 | fed_guarantee_mf_nf: 2 | units_num_cat: 5
+enterprise: 2 | record_num_mf_nf: 20000011 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 1 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 5
+enterprise: 2 | record_num_mf_nf: 20000012 | tract_minority_cat: 3 | tract_income_cat: 2 | afford_mf: 3 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 5
+enterprise: 2 | record_num_mf_nf: 20000013 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 3 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 2 | fed_guarantee_mf_nf: 2 | units_num_cat: 5
+enterprise: 2 | record_num_mf_nf: 20000014 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 1 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 5
+enterprise: 2 | record_num_mf_nf: 20000015 | tract_minority_cat: 3 | tract_income_cat: 1 | afford_mf: 1 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 3
+enterprise: 2 | record_num_mf_nf: 20000016 | tract_minority_cat: 2 | tract_income_cat: 3 | afford_mf: 8 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 2
+enterprise: 2 | record_num_mf_nf: 20000017 | tract_minority_cat: 3 | tract_income_cat: 9 | afford_mf: 1 | same_year_acq: 1 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 4
+enterprise: 2 | record_num_mf_nf: 20000018 | tract_minority_cat: 3 | tract_income_cat: 2 | afford_mf: 8 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 1 | fed_guarantee_mf_nf: 2 | units_num_cat: 3
+enterprise: 2 | record_num_mf_nf: 20000019 | tract_minority_cat: 2 | tract_income_cat: 3 | afford_mf: 8 | same_year_acq: 2 | purpose_mf_nf: 2 | seller_type_mf_nf: 2 | fed_guarantee_mf_nf: 2 | units_num_cat: 4
+enterprise: 2 | record_num_mf
diff --git a/chunks/txt/4bb24c2dbc421dd86d3bf2aa33378c911c084a8e59bc84bb31c38e64a456b7e7.txt b/chunks/txt/4bb24c2dbc421dd86d3bf2aa33378c911c084a8e59bc84bb31c38e64a456b7e7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a8f3bb77be5d7c0971447e246e7a8d9b0661f0a4
--- /dev/null
+++ b/chunks/txt/4bb24c2dbc421dd86d3bf2aa33378c911c084a8e59bc84bb31c38e64a456b7e7.txt
@@ -0,0 +1,82 @@
+4.0
+
+Can this amount increase after closing?
+
+4.3 Monthly Principal & Interest
+
+4.5.2 NO
+
+4.5.3
+
+INTEREST RATE INCREASE
+
+8.
+UCD v2.0 Implementation Guide
+
+- 112 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+The GSEs purchase ARMs and loans with temporary buydown subsidies with terms reflected on the note. When a loan
+
+has either of these features the value of InterestRateIncreaseIndicator is “true”.
+
+Loan Terms
+
+4.2 Interest Rate
+
+Figure 84. Rendering InterestRateIncreaseIndicator on the CD.
+
+4.0
+
+Can this amount increase after closing?
+
+4.2.2 YES
+
+4.2.3
+
+9. LOAN AMOUNT INCREASE
+
+The GSEs do not purchase loans with negative amortization, so the values for LoanAmountIncreaseIndicator should always
+
+be “false”. (See Figure 86).
+
+Figure 85. Rendering LoanAmountIncreaseIndicator on the CD.
+
+Loan Terms
+4.1 Loan Amount
+
+4.0
+
+Can this amount increase after closing?
+
+4.1.2 NO
+
+4.1.3
+
+10. MORTGAGE INSURANCE
+
+This indicator is not rendered on the form, but when true, signals that additional MI data must be included in the XML
+
+file. The additional detail is found in the MI_DATA structure (see Table 59).
+
+11. NEGATIVE AMORTIZATION
+
+The GSEs do not purchase loans with terms that allow the initial loan amount to increase because payments can be made
+that do not cover the interest on the loan. Therefore, the value for NegativeAmortizationIndicator should always be “false”.
+
+Figure 86. Rendering NegativeAmortizationIndicator on the CD.
+
+Loan Disclosures
+
+17.0
+
+17.4 Negative Amortization (Increase in Loan Amount)
+
+Under your loan terms, you
+
+ do not have a negative amortization feature.
diff --git a/chunks/txt/4bb838ab02d8afe129f8ba737a83ad978c27d3bfa84a20a403d3af3bfc5d25b5.txt b/chunks/txt/4bb838ab02d8afe129f8ba737a83ad978c27d3bfa84a20a403d3af3bfc5d25b5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3759a8e8afc17c4018420813d3e90d23cbe1cc08
--- /dev/null
+++ b/chunks/txt/4bb838ab02d8afe129f8ba737a83ad978c27d3bfa84a20a403d3af3bfc5d25b5.txt
@@ -0,0 +1,120 @@
+The deposit amount value provided in Section L should equal the amount provided for 10.5 Deposit in the
+Calculating Cash to Close table.
+
+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
+
+0112.1 Deposit
+0212.2 Loan Amount
+
+12.1.1
+12.2.1
+
+$10,000.00
+$211,000.00
+
+Figure 98. Deposit
+
+Table 114. Deposit
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0 Value
+
+Notes
+
+12.1.1 Deposit ($)
+
+…/CLOSING_COST_F
+UND
+
+ClosingCostFundAmo
+unt
+
+10000.00
+
+ROF as “$10,000.00”
+
+12.1 Deposit
+
+12.1 N/A - XML
+
+12. 2 LOAN AMOUNT
+
+FundsType
+
+IntegratedDisclosure
+SectionType
+
+DepositOnSalesContr
+act
+
+PaidAlreadyByOrOnB
+ehalfOfBorrowerAtCl
+osing
+
+ROF as “Deposit”
+
+Not Shown
+
+A new loan is presented on the form as illustrated in the following figure.
+
+Summaries of Transactions
+
+BORROWER’S TRANSACTION
+
+12.0 L. Paid Already by or on Behalf of Borrower at Closing
+
+0212.2 Loan Amount
+
+0312.3 Existing Loan(s) Assumed or Taken Subject to
+
+$227,015.00
+
+$211,000.00
+
+12.0.1
+
+12.2.1
+
+12.3.1
+
+Figure 99. Section L - Loan Amount
+
+The data points used to provide this information are shown in the table below. NoteAmount is also used to
+provide 4.1 | 4.1.1 Note Amount in the Loan Terms table but is provided in the XML file only once.
+
+Appendix E: UCD Implementation Guide
+
+Page 173 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+12.0 L. Paid Already by or on Behalf of Borrower at Closing
+
+ID
+
+Form Field Name MISMO v3.3.0 Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0
+Value
+
+Table 115. Loan Amount
diff --git a/chunks/txt/4bb85a398327865c097fb08918afa009f991978c51b7e7253080142de8ecab44.txt b/chunks/txt/4bb85a398327865c097fb08918afa009f991978c51b7e7253080142de8ecab44.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9f8cdc8477597fcbd9786c4d2bcd0566002e0300
--- /dev/null
+++ b/chunks/txt/4bb85a398327865c097fb08918afa009f991978c51b7e7253080142de8ecab44.txt
@@ -0,0 +1,76 @@
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD
+JUSTMENT[@_Type='RecreationFacilities']/@_Description
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD
+JUSTMENT[@_Type='FloorLocation']/@_Description
+
+20
+
+20
+
+20
+
+347
+
+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='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
+
+String
+
+This field should indicate the common elements in the subject project.
+
+String
+
+This field should indicate the recreational facilities in the subject project.
+
+String
+
+This field should indicate the floor on which the unit is located.
+
+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
+
+This data is referenced more than once on the form in the Site Section, and must be
+represented consistently.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+CR
+
+CR
diff --git a/chunks/txt/4bbd2e28c7cbe4d5fefa48e14381d82c926ad1182e16e2bcf3478d6ef1cd48c2.txt b/chunks/txt/4bbd2e28c7cbe4d5fefa48e14381d82c926ad1182e16e2bcf3478d6ef1cd48c2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c9025505c8520e0a13b10e7cd6ee3dcf0ac32a21
--- /dev/null
+++ b/chunks/txt/4bbd2e28c7cbe4d5fefa48e14381d82c926ad1182e16e2bcf3478d6ef1cd48c2.txt
@@ -0,0 +1,98 @@
+19.1 NO
+
+Adjustable Payment (AP) Table 19.0
+Interest Only Payments?
+Optional Payments?
+Step Payments?
+Seasonal Payments?
+Period Principal and Interest Payments
+First Change/Amount
+Subsequent Changes
+Maximum Payment
+
+19.4 NO
+
+Adjustable Interest Rate (AIR) Table 20.0
+Index + Margin
+Initial Interest Rate
+Minimum/Maximum Interest Rate
+Change Frequency
+ First Change
+ Subsequent Changes
+Limits on Interest Rate Changes
+ First Change
+ Subsequent Changes
+
+20.6 %
+20.7 %
+
+20.1.1 Index Name + 20.1.2 %
+20.2 %
+20.3.1 % Min / 20.3.2 % Max
+
+20.4 n Month after Note Date
+20.5 n Month after First Change
+
+CLOSING DISCLOSURE
+
+PAGE 4 OF 5 ▪ LOAN ID #
+
+Uniform Closing Dataset v2.0
+
+Numbered Model Disclosure
+
+Loan Calculations
+
+21.0
+
+Total of Payments. Total you will have paid after
+you make all payments of principal, interest,
+mortgage insurance, and loan costs, as scheduled.
+
+Finance Charge. The dollar amount the loan will
+cost you.
+
+Amount Financed. The loan amount available
+after paying your upfront finance charge.
+
+Annual Percentage Rate (APR). Your costs over
+the loan term expressed as a rate. This is not your
+interest rate.
+
+Total Interest Percentage (TIP). The total
+amount of interest that you will pay over the loan
+term as a percentage of your loan amount.
+
+21.1
+
+21.2
+
+21.3
+
+21.4
+
+21.5
+
+$
+
+$
+
+$
+
+%
+
+%
+
+?
+
+Questions? If you have questions about the loan
+terms or costs on this form, use the contact
+information below. To get more information
+or make a complaint, contact the Consumer
+Financial Protection Bureau at
+www.consumerfinance.gov/mortgage-closing
+
+Other Disclosures
+ Appraisal
+
+22.0
diff --git a/chunks/txt/4bccf80d1bde353e52bf80e45bbf5e18a9f5d4fd4f78c2467da2969d87ed9ed7.txt b/chunks/txt/4bccf80d1bde353e52bf80e45bbf5e18a9f5d4fd4f78c2467da2969d87ed9ed7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7bb2268e0cf195150c07e149183628d986172854
--- /dev/null
+++ b/chunks/txt/4bccf80d1bde353e52bf80e45bbf5e18a9f5d4fd4f78c2467da2969d87ed9ed7.txt
@@ -0,0 +1,140 @@
+Finished Above Grade
+Unfinished Above Grade
+Finished Below Grade
+Unfinished Below Grade
+
+Area Data Source
+
+3,304 Sq. Ft.
+0 Sq. Ft.
+640 Sq. Ft.
+616 Sq. Ft.
+Assessor Record
+MLS
+Physical Measurement
+
+Below Grade Finish Compared
+to Above
+
+Similar
+
+ADU
+
+Yes No
+
+
+Levels in Unit
+Floor Number
+Occupancy
+Utilities Separately Metered
+Total Bedrooms
+Total Bathrooms - Full
+Total Bathrooms - Half
+
+3
+1st Floor
+Vacant
+No
+5
+3
+1
+
+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 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
diff --git a/chunks/txt/4bd0f553116eecada6d25b40dc3beb546689e3d1a53d082f5ad40170cb454896.txt b/chunks/txt/4bd0f553116eecada6d25b40dc3beb546689e3d1a53d082f5ad40170cb454896.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0b940fe44aa0ea91b654b85b61e77818fc2afc1f
--- /dev/null
+++ b/chunks/txt/4bd0f553116eecada6d25b40dc3beb546689e3d1a53d082f5ad40170cb454896.txt
@@ -0,0 +1,82 @@
+Uniform Residential Appraisal Report
+
+Page 18 of 22
+
+Sales Comparison Approach (continued)
+
+PG BRK
+
+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
+
+Comparable #4
+
+This is where the Comparable 3 photo would display.
+
+This is where the Comparable 4 photo would display.
+
+Comparable #5
+
+This is where the Comparable 5 photo would display.
+
+Reconciliation
+
+Approaches to Value
+
+Indicated Value
+
+Reason for Exclusion
+
+Sales Comparison Approach
+$880,000
+
+Income Approach
+
+Cost Approach
+
+Insufficient Data
+
+Not applicable for attached
+properties as prospective purchasers
+do not consider individual
+construction as a method when
+purchasing this type of property.
+
+Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 19 of 22
+
+Reconciliation (continued)
+
+Appraisal Summary
+
+Contract Price
+Opinion of Market Value
+Market Value Condition
+
+$866,000
+$880,000
+Subject to Inspection
+ Subject to Repair
+
+Reasonable Exposure Time
+Effective Date of Appraisal
+
+30-90 days
+08/07/2019
+
+Final Value Condition Statement This appraisal is made subject to the itemized list of required inspections below based on the
+extraordinary assumption that the condition or deficiency does not require alteration or repair, and subject to the itemized list of repairs
+recommended 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.
diff --git a/chunks/txt/4bd1a33338cdd42f256980102160e3ea208228e23f0382123b251120de2a3e23.txt b/chunks/txt/4bd1a33338cdd42f256980102160e3ea208228e23f0382123b251120de2a3e23.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0f5bfbce244ae6edd123be4be55ff1e8a58dc7e2
--- /dev/null
+++ b/chunks/txt/4bd1a33338cdd42f256980102160e3ea208228e23f0382123b251120de2a3e23.txt
@@ -0,0 +1,7 @@
+Contact Information (H1) .................................................................................................................................... 35
+
+Assignment Information and Scope of Work Commentary (H1) ........................................................................ 36
+
+Assignment Information Exhibits (H1) ................................................................................................................ 36
+
+Subject Property ............................................................................................................................................ 36
diff --git a/chunks/txt/4beec1d4bdfb8b975e00a9286a82b44627d66aa21e124b46b57d38242115141f.txt b/chunks/txt/4beec1d4bdfb8b975e00a9286a82b44627d66aa21e124b46b57d38242115141f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..26a24ddff37b04721ce81e7e644dd6d5d14ba260
--- /dev/null
+++ b/chunks/txt/4beec1d4bdfb8b975e00a9286a82b44627d66aa21e124b46b57d38242115141f.txt
@@ -0,0 +1,36 @@
+ Remarks as Prepared for Delivery Dr. Mark A. Calabria Director, Federal Housing Finance Agency FINANCIAL STABILITY OVERSIGHT COUNCIL PRINCIPALS MEETING THURSDAY, MARCH 26, 2020 Thank you, Mr. Chairman. At the start of 2020, strong labor markets and house price appreciation created a solid...
+ - Speech
+
+February 27, 2020
+
+## [Prepared Remarks of Dr. Mark A. Calabria, Director of FHFA, at Credit Union National Association (CUNA) Government Affairs Conference](/news/speech/prepared-remarks-of-dr.-mark-a.-calabria-director-of-fhfa-at-credit-union-national-association-cuna)
+
+Remarks As Prepared for Delivery Dr. Mark A. Calabria, Director Federal Housing Finance Agency CREDIT UNION NATIONAL ASSOCIATION (CUNA) GOVERNMENT AFFAIRS CONFERENCE MONDAY, FEBRUARY 24, 2020 - WASHINGTON, D.C. "STRENGTHENING OUR HOUSING FINANCE SYSTEM TO SUPPORT AMERICA'S COMMUNITY LENDERS" Thank...
+ - [1](?page=0)
+ - [2](?page=1)
+ - [3](?page=2)
+ - [4](?page=3)
+ - [5](?page=4)
+ - [6](?page=5)
+ - [Next](?page=1)
+ - [Last](?page=5)
+
+Sign up for email updates
+
+Leave this field blank
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [](https://www.facebook.com/FHFA)
+ - [](https://www.x.com/FHFA)
+ - [](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [](https://www.linkedin.com/company/fhfa/)
diff --git a/chunks/txt/4bf02a014c28059dd294b28e051617d226c6fda65cc3e37e6648aca7e38ff616.txt b/chunks/txt/4bf02a014c28059dd294b28e051617d226c6fda65cc3e37e6648aca7e38ff616.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6355f19bca2195f410c615372f39ffa8af17cff4
--- /dev/null
+++ b/chunks/txt/4bf02a014c28059dd294b28e051617d226c6fda65cc3e37e6648aca7e38ff616.txt
@@ -0,0 +1,114 @@
+• 1004 Hybrid/70H
+
+• 1004 Desktop/70D
+
+• 2055/2055
+
+N
+
+B
+
+A
+
+Neutral
+
+Beneficial
+
+Adverse
+
+The appraiser must also select at least one,
+but not more than two, location factor(s) from
+the list below. If two factors are entered,
+separate them with a semicolon. The
+abbreviation for the factor must be entered,
+with the exception of ‘Other’.
+
+Res
+
+Ind
+
+Comm
+
+BsyRd
+
+WtrFr
+
+GlfCse
+
+AdjPrk
+
+AdjPwr
+
+Lndfl
+
+PubTrn
+
+See
+Instructions
+Below
+
+Residential
+
+Industrial
+
+Commercial
+
+Busy Road
+
+Waterfront
+
+Golf Course
+
+Adjacent to
+Park
+
+Adjacent to
+Power Lines
+
+Landfill
+
+Public
+Transportation
+
+Other –
+Appraiser to
+enter a
+description of
+the location *
+
+*Other: If a location factor not on this list
+materially affects the value of the property, the
+appraiser must enter a description of the
+location associated with the property. The
+description entered must allow a reader of the
+appraisal report to understand the location
+factor(s) that is associated with the property.
+Descriptors such as ‘None’, ‘N/A’, ‘Typical’,
+‘Average’, etc., are unacceptable. The text
+must fit in the allowable space.
+
+Page 40 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.
+
+A list of acceptable abbreviations and
+definitions is also provided at the end of this
+document in Exhibit 3: Requirements –
+Abbreviations.
+Note, the UAD does not limit the number of
+different location factors associated with a
+property that may be reported within the
+appraisal report. If there are more than two
+location factors, an appraiser may choose
+“other” and then enter a text description of the
+multiple location factors. Any additional
+information that does not fit in the allowable
+space may be reported elsewhere in the
+appraisal report.
diff --git a/chunks/txt/4c0d842453d1d6380cacbb9e53b48fad1cb6b3aca005620b1120959ed010b0b2.txt b/chunks/txt/4c0d842453d1d6380cacbb9e53b48fad1cb6b3aca005620b1120959ed010b0b2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8382a64ef2810cf39a0de7c8cf385de9d3878e3c
--- /dev/null
+++ b/chunks/txt/4c0d842453d1d6380cacbb9e53b48fad1cb6b3aca005620b1120959ed010b0b2.txt
@@ -0,0 +1,3 @@
+Overview .................................................................................................................................................................................................................................................. 68
+
+Data Mapping and PDF Rendering Information ....................................................................................................................................................................................... 69
diff --git a/chunks/txt/4c1016c905764ac78660894bd07a5f3d085453c666ea49f8aff562a1a7aa0151.txt b/chunks/txt/4c1016c905764ac78660894bd07a5f3d085453c666ea49f8aff562a1a7aa0151.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b166be8ea9ed445f022fe7fbe90853a7e22f9a47
--- /dev/null
+++ b/chunks/txt/4c1016c905764ac78660894bd07a5f3d085453c666ea49f8aff562a1a7aa0151.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
+
+
+
+# National Survey of Mortgage Originations (NSMO) Public Use File
+
+## Breadcrumb
+
+- [Home](/)
+ - [FHFA Data](/data)
+ - National Survey of Mortgage Originations (NSMO) Public Use File
diff --git a/chunks/txt/4c1c814231e371b2cf4359b2c05d3491aeb0145633609192b93785ec939481d8.txt b/chunks/txt/4c1c814231e371b2cf4359b2c05d3491aeb0145633609192b93785ec939481d8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f67fdcf9b4e3adeb0db4cf7bc382d689398c03b6
--- /dev/null
+++ b/chunks/txt/4c1c814231e371b2cf4359b2c05d3491aeb0145633609192b93785ec939481d8.txt
@@ -0,0 +1,64 @@
+12
+
+Money
+
+PDF Display Format:
+In dollars, to two decimal places.
+
+This field should be populated if field 2-13
+(Property Sales Amount) is populated.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA
+RISON_LOCATION_OVERALL_RATING_EXTENSION/COMPARISO
+N_LOCATION_OVERALL_RATING_EXTENSION_SECTION[@Extens
+ionSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/COMPARISON_LOCATION_OVERALL_RATING_EXTEN
+SION_SECTION_DATA/COMPARISON_LOCATION_OVERALL_RAT
+ING/@GSEOverallLocationRatingType
+
+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
+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:
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPA
+RISON_LOCATION_DETAIL_EXTENSION/COMPARISON_LOCATIO
+N_DETAIL_EXTENSION_SECTION[@ExtensionSectionOrganizationNa
+me='UNIFORM APPRAISAL
+DATASET']/COMPARISON_LOCATION_DETAIL_EXTENSION_SECT
+ION_DATA/COMPARISON_LOCATION_DETAIL[@_SequenceIdentifier
+='1..2']/@GSELocationType
+
+20
+
+Enumerated
+
+Allowable Values PDF Display
+Residential Res
+Industrial Ind
+Commercial Comm
+BusyRoad BsyRd
+WaterFront WtrFr
+GolfCourse GlfCse
+AdjacentToPark AdjPrk
+AdjacentToPowerLines AdjPwr
+Landfill Lndfl
+PublicTransportation PubTrn
+Other *
diff --git a/chunks/txt/4c1cf54a8e26476dfb8a9ae0d8faf6bec4d1a750d0d7635fd9b4eeff8509ab5e.txt b/chunks/txt/4c1cf54a8e26476dfb8a9ae0d8faf6bec4d1a750d0d7635fd9b4eeff8509ab5e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a894c338aae33237f5fcca55bbdbb1bd34022ea2
--- /dev/null
+++ b/chunks/txt/4c1cf54a8e26476dfb8a9ae0d8faf6bec4d1a750d0d7635fd9b4eeff8509ab5e.txt
@@ -0,0 +1,21 @@
+Location
+(cid:20)(cid:23)(cid:17)(cid:19)(cid:19)(cid:26)
+
+Description
+(cid:20)(cid:23)(cid:17)(cid:19)(cid:19)(cid:27)
+
+Affects Soundness or
+Structural Integrity
+(cid:20)(cid:23)(cid:17)(cid:19)(cid:19)(cid:28)
+
+Recommended
+Action
+(cid:20)(cid:23)(cid:17)(cid:19)(cid:20)(cid:19)
+
+Subject Property Amenities Commentary(cid:1)
+(cid:20)(cid:23)(cid:17)(cid:19)(cid:20)(cid:20)
+Subject Property Amenities Exhibits
+
+(cid:20)(cid:23)(cid:17)(cid:19)(cid:20)(cid:21)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:20)(cid:23)(cid:17)(cid:19)(cid:20)(cid:21)(cid:17)(cid:21)(cid:3)
+(cid:20)(cid:23)(cid:17)(cid:19)(cid:19)(cid:21)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:20)(cid:23)(cid:17)(cid:19)(cid:19)(cid:21)(cid:17)(cid:21)
+(cid:20)(cid:23)(cid:17)(cid:19)(cid:19)(cid:25)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:20)(cid:23)(cid:17)(cid:19)(cid:19)(cid:25)(cid:17)(cid:21)
diff --git a/chunks/txt/4c5984ed8d8fb801e1e17cd6ed79e2ec084e4bb246bf28d7a3bf8bbdd94a5b4f.txt b/chunks/txt/4c5984ed8d8fb801e1e17cd6ed79e2ec084e4bb246bf28d7a3bf8bbdd94a5b4f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e7b294dee024e0eb75cd4a0594c3b2c61e801599
--- /dev/null
+++ b/chunks/txt/4c5984ed8d8fb801e1e17cd6ed79e2ec084e4bb246bf28d7a3bf8bbdd94a5b4f.txt
@@ -0,0 +1,51 @@
+Indicates whether the total adjustments
+made to the property sales price during
+the application of the Sales Comparison
+approach were positive. This field is
+specific to the appraisal forms.
+
+Indicates whether the total adjustments
+made to the property sales price during
+the application of the Sales Comparison
+approach were positive. This field is
+specific to the appraisal forms.
+
+The dollar value of the total adjustments
+made to a comparable property sales price
+during the application of the Sales
+Comparison approach to determine the
+market value of the subject property.
+(CALCULATED RESULTS FIELD)
+
+The percentage of the net sales price
+adjustments to the sales price of a
+property during the application of the
+sales comparison approach to property
+valuation. (CALCULATED RESULTS
+FIELD)
+
+The percentage of the gross sales price
+adjustments (i.e. sum of the absolute
+adjustment values) to the sales price of a
+property during the application of the
+sales comparison approach for property
+valuation. (CALCULATED RESULTS
+FIELD)
+
+The sales price of a property after it has
+been adjusted during the application of
+the Sales Comparison approach for
+property valuation.
+A free-form text field used to describe or
+comment on the on the Sales Comparison
+approach in valuating the subject
+property
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/OTHER_FEAT
+URE_ADJUSTMENT[@PropertyFeatureSequenceIdentifier='3']/@PropertyFeatu
+reAdjustmentAmount
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N' and
+@SalesPriceTotalAdjustmentPositiveIndicator='Y']
diff --git a/chunks/txt/4c5e25278620eecc654b6ee97cd189e2c9e6944683be7344b49c5161eb41038e.txt b/chunks/txt/4c5e25278620eecc654b6ee97cd189e2c9e6944683be7344b49c5161eb41038e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d79415977f50b0d5d7ede3eaf7c7fff618e62bb6
--- /dev/null
+++ b/chunks/txt/4c5e25278620eecc654b6ee97cd189e2c9e6944683be7344b49c5161eb41038e.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\/34911","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":{"\/advisory-bulletin":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/4c6b6b8dd996b4be8fb8870da8c01c69eed08921dc6177d611dd262886988c8a.txt b/chunks/txt/4c6b6b8dd996b4be8fb8870da8c01c69eed08921dc6177d611dd262886988c8a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fedd08731bb6d56392b31e92faabeefadc0022d4
--- /dev/null
+++ b/chunks/txt/4c6b6b8dd996b4be8fb8870da8c01c69eed08921dc6177d611dd262886988c8a.txt
@@ -0,0 +1,168 @@
+2021 FHLBank Public Use Database
+
+Effective January 1, 2019
+
+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
+
+Business Name
+
+Definition
+
+1
+2
+3
+4
+5
+6
+
+7
+
+8
+
+9
+
+CensusTractIdentifier
+
+Tract
+
+Census Tract Identifier
+
+CensusTractMinorityRatioPercent
+
+MinPer
+
+Census Tract Minority Ratio Percent
+
+CensusTractMedFamIncomeAmount
+
+TraMedY
+
+Census Tract Median Family Income Amount
+
+10
+
+LocalAreaMedianIncomeAmount
+
+LocMedY
+
+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
diff --git a/chunks/txt/4c8326ccb51b4ef756fa9dfed74242ff5c5e0be7b63ddaa333dd82a2b0958329.txt b/chunks/txt/4c8326ccb51b4ef756fa9dfed74242ff5c5e0be7b63ddaa333dd82a2b0958329.txt
new file mode 100644
index 0000000000000000000000000000000000000000..473c1b6548f64d33fd6c73a0fa796b91d4129497
--- /dev/null
+++ b/chunks/txt/4c8326ccb51b4ef756fa9dfed74242ff5c5e0be7b63ddaa333dd82a2b0958329.txt
@@ -0,0 +1,45 @@
+INTEGRA TED_DISCLOSURE_ DETAIL (Various Form Field Values)
+INTEGRA TED_DISCLOSURE_SECTION_SUMMARIES (Section and Subsection Values)
+
+Appendix E: UCD Implementation Guide
+
+Page 244 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+V. Consolidated Mapping Guidance
+
+Topic
+
+Guidance
+
+Table 160. Consolidated Mapping Guidance
+
+GEN ERAL USE DATA
+
+IDEN TIFIER
+
+the Product data from the Closing Disclosure form may not conform to an investor’s product
+definitions.
+
+“General Use” structures and data points have been defined by MISMO standards developers
+to support commonly understood industry practice and usage. Unlike Document Specific
+containers and structures, they are used broadly and have the same meaning both within and
+outside the context of the Closing Disclosure.
+
+Some data points ending in the term “Identifier” must be paired with an additional data point
+to convey the full meaning. The data point ending in “Identifier” provides the identifier value,
+and the associated data point provides a further description or type. For examples: 3.5 Loan ID
+# is provided using LoanIdentifierType = “LenderLoan” to describe the identifier, and
+LoanIdentifier to provide the loan number. Anywhere an address has a unit number, Address
+UnitDesignatorType is used to describe the unit and AddressUnitIdentifier provides the unit
+number.
+
+@ IDEN TIFIER OWNER
+URI
+
+The attribute @IdentifierOwnerURI identifies the owner or publisher of an identifier by means
+of a URI. This is an XML attribute. For example: AppraisalIdentifier (URI for UCDP), and
+LicenseIdentifier (URI for the entity issuing the license).
diff --git a/chunks/txt/4c87acde4c3cfeaf6c5ffb1d8fa1e694ce4d69b60ae6f8dc1b42dc1fac1f02d3.txt b/chunks/txt/4c87acde4c3cfeaf6c5ffb1d8fa1e694ce4d69b60ae6f8dc1b42dc1fac1f02d3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8cdd5f00df678da00efb4a705198671e2a5bc8d0
--- /dev/null
+++ b/chunks/txt/4c87acde4c3cfeaf6c5ffb1d8fa1e694ce4d69b60ae6f8dc1b42dc1fac1f02d3.txt
@@ -0,0 +1,116 @@
+Note: An image of the worksheet showing support of Cost Approach
+calculations may be provided, which displays in Cost Approach Exhibits. A
+caption must be provided to further describe the image.
+
+Appendix F-1: URAR Reference Guide
+
+Page 320 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+25 Cost Approach
+
+Cost Approach – General Description
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+25.052 Cost Data Source Required if Cost Data
+Source is Cost Service
+
+25.053 Quality Rating
+
+Required if Cost Data
+Source is Cost Service
+
+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
+
+Craftsman Cost Guide
+
+Cost Service Provider
+•
+• Marshall & Swift
+•
+•
+•
+Note: Allowable answers may be provided that are not in the above list.
+
+NADA
+RSMeans
+Xactimate
+
+Cost Service Quality Rating
+•
+•
+•
+•
+•
+•
+•
+
+Excellent
+Very Good
+Good
+Average
+Fair
+Low
+Other (Describe) – If Quality Rating from the Cost Service Provider is not in
+the above list.
+
+25.054 Effective Date
+
+Always required
+
+mm/dd/yyyy
+
+Cost Data Effective Date
+
+25.055 Cost Method
+
+Always required
+
+25.056 Depreciation
+
+Always required
+
+Method
+
+Choose an
+allowable answer
+from table (Cost
+Method)
+
+Choose an
+allowable answer
+from table
+(Depreciation
+Method)
+
+Note: If a Cost Service was cited, provide the date the cost service was last
+updated. Otherwise, provide the date the appraiser pulled the information.
+
+The methodology used to derive replacement or reproduction building cost in
+the Cost Approach section.
diff --git a/chunks/txt/4c8908827d4553eb0cddc2c566b0bc53819471107368a415a9eaf916700c8fef.txt b/chunks/txt/4c8908827d4553eb0cddc2c566b0bc53819471107368a415a9eaf916700c8fef.txt
new file mode 100644
index 0000000000000000000000000000000000000000..48c45670a2b9242754da316a1e64459885ab2152
--- /dev/null
+++ b/chunks/txt/4c8908827d4553eb0cddc2c566b0bc53819471107368a415a9eaf916700c8fef.txt
@@ -0,0 +1,50 @@
+New Edits will be implemented in Loan Delivery to validate that the CPM ID is provided when CPM is used to certify that the
+condo or the project decisioned by Fannie Mae. They will also validate the CPM Project ID provided in Loan Delivery matches
+a valid Project ID in CPM.
+
+See the LD Edit changes in the Loan Delivery Business Rules for a listing of effective edit updates.
+
+Jun 12, 2023
+
+AMI 2023 Updates
+
+The 2023 AMIs will be implemented in Desktop Underwriter® (DU®), Loan Delivery, and the Area Median Income Lookup Tool
+over the weekend of June 10, 2023, with an effective date of June 12, 2023. See the Selling Notice: Area Median Incomes
+2023 for more information.
+
+Jun 26, 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 related to Property Data-CPM changing from informational to warning severity.
+
+Jul 1, 2023
+
+MBS Self-Service
+Enhancements
+
+Loan Delivery is making enhancements to the MBS Pool process to allow self-service updates to be made by sellers.
+Effective July 1, Acquisitions Operations will no longer send courtesy emails to notify sellers of pools critical for certification
+and closing the same day and non-standard pool prefix assignments.
+
+Jul 1, 2023
+
+SFC 873 Retirement
+
+SFC 873 will be retired on July 1, 2023 since it is no longer used for LLPA waivers. Removal of the SFC will be required to
+complete the purchase or securitization. See Lender Letter (LL-2022-05) for more details.
+
+Jul 10, 2023
+
+Deleting an MBS Loan
+vs Deleting an MBS
+Pool
+
+In April 2023, we added the ability to delete MBS loans after an MBS Pool is submitted. With the June release, users who
+wish to delete ALL loans in a submitted MBS Pool must first submit a request to delete the MBS Pool. Users who attempt to
+delete all loans in a submitted MBS pool before submitting a Pool Deletion request will receive the following pop-up
+message: The requested action cannot be performed. A Pool Deletion request is required prior to removing all loans from
+the pool. Refer to the Pool Deletion Job Aid for more details.
diff --git a/chunks/txt/4c8ea6197a63ab7bb194db8fdc037cacf7370b41b1dda99b3e0f4d13bc8712d1.txt b/chunks/txt/4c8ea6197a63ab7bb194db8fdc037cacf7370b41b1dda99b3e0f4d13bc8712d1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6085370af2ad4076225a678f8bcf11f6ad308ca4
--- /dev/null
+++ b/chunks/txt/4c8ea6197a63ab7bb194db8fdc037cacf7370b41b1dda99b3e0f4d13bc8712d1.txt
@@ -0,0 +1,121 @@
+45
+
+String
+
+510
+
+6
+
+20a
+
+APPRAISER
+CERTIFICATION
+
+Unit #
+
+Unit Identifier
+
+The identification of the unit.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/_UNIT/@UnitIdentifier
+
+12
+
+String
+
+511
+
+6
+
+20b
+
+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
+
+512
+
+6
+
+20c
+
+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
+
+513
+
+6
+
+20d
+
+APPRAISER
+CERTIFICATION
+
+Address of Property Appraised
+City,State,Zip
+
+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
+
+10
+
+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 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)
+
+UAD Requirement - See Appendix D Subject Section
+Must conform to USPS (Pub 28). The following address element must be included in
+this field:
+·Address unit designator and number.
+This data is referenced more than once on the form (fields 1-7, 3-12a, 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:
+· City
+This data is referenced more than once on the form (fields 1-7, 2-12b, 6-20b) and must
+be represented consistently.
diff --git a/chunks/txt/4c97d112644d2edd5468bc3e08f4cf8338524028ee3a95da6ae37c01df7d62b5.txt b/chunks/txt/4c97d112644d2edd5468bc3e08f4cf8338524028ee3a95da6ae37c01df7d62b5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6462e0a5343ef8a6c5631082902323cc3868d56a
--- /dev/null
+++ b/chunks/txt/4c97d112644d2edd5468bc3e08f4cf8338524028ee3a95da6ae37c01df7d62b5.txt
@@ -0,0 +1,115 @@
+0300.0055
+
+ImprovementComponentType
+
+Display when ImprovementComponentType = "Foundation"…
+
+0300.0044
+
+FoundationMaterialType
+
+0300.0046
+
+FoundationType
+
+8.029
+
+Detail
+
+0300.0080
+
+AccessibleForObservationIndicator
+
+0300.0081
+
+VisualObservationCompletedIndicator
+
+− Display all Foundation Material(s) and Type(s) in the same cell separated by “|”
+
+− Display all Foundation Material(s) and Type(s) in the same cell separated by “|”
+
+… AND FoundationType = "Crawlspace" AND (GovernmentAgencyAppraisalType =
+"FHA" OR "USDA")
+
+− When true, do not display
+− When false, display “Inaccessible”
+… AND (GovernmentAgencyAppraisalType = "FHA" OR "USDA") AND
+AccessibleForObservationIndicator = “true”
+
+− When true, display “Visual Observation Completed”
+− When false, display "No Visual Observation Completed"
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 160
+
+Dwelling Exterior: Quality and Condition - Exterior Features
+
+Report
+Field ID
+
+Report Label
+
+Unique ID MISMO Data Point Name
+
+Display Rules
+
+8.030
+
+Quality Comment
+
+0300.0075
+
+ImprovementComponentQualityDescription
+
+… AND Exists
+
+8.031
+
+Condition Status
+
+0300.0054
+
+ImprovementComponentConditionStatusType
+
+Always displays
+
+8.032
+
+Condition Comment
+
+0300.0100
+
+ImprovementComponentConditionDescription
+
+… AND Exists
+
+8.041
+
+Feature: Roof
+
+0300.0055
+
+ImprovementComponentType
+
+Display when ImprovementComponentType = "Roof" …
+
+0300.0049
+
+RoofObservableIndicator
+
+8.033
+
+Detail
+
+0300.0050
+
+RoofMaterialType
+
+− When true, display RoofMaterialType.
+− When false, display "(Unobservable)" in the Detail field.
+
+− Display Roof Material(s) in the same cell separated by “|”
+− Display materials and age in the same cell
+o Material(s) are listed first in the cell.
+o Age displays on a separate line under materials. (Figure 8 - 3)
diff --git a/chunks/txt/4cb44cec3dd071ba52383a480ae52af22681378cdb9eb781fd4e298d6932cc1a.txt b/chunks/txt/4cb44cec3dd071ba52383a480ae52af22681378cdb9eb781fd4e298d6932cc1a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0728ae63bf786dd02f82f19da50112891fb30c94
--- /dev/null
+++ b/chunks/txt/4cb44cec3dd071ba52383a480ae52af22681378cdb9eb781fd4e298d6932cc1a.txt
@@ -0,0 +1,14 @@
+Learn more about FHFA’s [Housing Finance Commission Program](/programs/housing-finance-examiner-commission).
+
+## A Risk-based Approach
+
+FHFA examiners carry out a risk-based safety and soundness supervision program that assesses the FHLBanks’ condition and performance, governance, credit risk, market risk, and operational risk. These interdependent assessments provide FHFA with the basis for assigning a composite examination rating. The Division of FHLBank Regulation provides oversight and ensures coordination among all mission-critical examination and monitoring functions. These functions include programs for safety and soundness examinations, Affordable Housing Program (AHP) examinations, examination and supervisory policy and program development, FHLBank analysis, risk modeling, risk monitoring and information management, and risk analysis and research. Each of these programs contributes to a comprehensive assessment of the safety and soundness and the AHP effectiveness of the FHLBanks.
+
+FHFA examiners use a risk-based approach to supervision. Risk-based supervision is designed to
+
+- identify existing and potential risks that could adversely affect a regulated entity,
+- evaluate the overall integrity and effectiveness of each regulated entity’s risk management systems and controls, and
+- determine compliance with laws and regulations applicable to the regulated entity.
+## Communicating and Obtaining Results
+
+Examiners communicate all findings to management and any matters requiring attention to the FHLBank’s board of directors and management. In addition, examiners obtain a commitment from the board and management to correct significant deficiencies in a timely manner and then verify the effectiveness of corrective actions. FHFA’s examination ratings system is known as [**CAMELSO**](/supervision/examiner-resources/camelso)**.**
diff --git a/chunks/txt/4cc62bd930e74d1f2f259819413eb34984fc797941ac6e79e79b978bb55dd547.txt b/chunks/txt/4cc62bd930e74d1f2f259819413eb34984fc797941ac6e79e79b978bb55dd547.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7d4312eaedb7c4b03e6989d22bf8a42d98a20058
--- /dev/null
+++ b/chunks/txt/4cc62bd930e74d1f2f259819413eb34984fc797941ac6e79e79b978bb55dd547.txt
@@ -0,0 +1,33 @@
+To provide the Income Calculator
+generated ID for each
+borrower/business combination. There
+may be more than one Income
+Calculator ID for a DU loan casefile.
+
+New ArcRoles
+
+Two new ArcRoles will be established specifically for enabling the ‘Income Calculator’ through the DU validation service. The
+DU:VerificationReportType is ‘IncomeCalculator’, the Income Calculator generated ID should be sent in the
+DU:VerificationReportIdentifier and associated with an instance of a borrower’s employment or a borrower’s owned property
+asset (REO).
+
+Optimized Dataset
+
+A new column has been added to designate the minimum data points required to submit a conventional loan casefile to DU and
+receive a recommendation. Additional data may be required to be provided once all information is received from the borrower
+and the final terms of the loan are determined.
+
+© 2024 Fannie Mae 05.28.24 1 of 2
+
+Release Support
+
+The Income Calculator changes will be implemented in the DU integration environment on or about Q1 2025. Integration partners
+will be notified via an email from Integration News (integration_news@fanniemae.com) after implementation.
+
+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 in 2025. If your product
+or interface is unable to support the release in accordance with this timeline, please notify your Fannie Mae representative.
+
+If you have questions about the integration impact or if you require support specific to this release, contact your Technology
+Integration Analyst or Integration Support. For more information about DU, visit the DU page or contact your Fannie Mae
+representative.
diff --git a/chunks/txt/4cc77c04be032de0143726d4508ed8c157b9955af04a274e627b3fbcab130fb3.txt b/chunks/txt/4cc77c04be032de0143726d4508ed8c157b9955af04a274e627b3fbcab130fb3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..446a721f4c0c44ea98c423212285fe6d96892627
--- /dev/null
+++ b/chunks/txt/4cc77c04be032de0143726d4508ed8c157b9955af04a274e627b3fbcab130fb3.txt
@@ -0,0 +1,50 @@
+Edit Updates See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing
+
+of effective edit updates including:
+
+•
+•
+
+1 new informational edit for MBS loan Note Rate validation
+2 warning edits to validate appraisal
+
+© 2025 Fannie Mae Page 2 of 6
+
+Effective
+Date
+
+Impacted Area
+
+Description
+
+Apr 18,
+2025
+
+Green
+Certification
+
+•
+
+2 edits moving from warning to fatal to validate HomeReady VLIP LLPA credit (on
+3/1) and hybrid appraisal (on 3/24)
+
+Effective April 18, 2025, Loan Delivery will automatically populate Special Feature Code (SFC)
+881 DOE Zero Energy Ready Home Certification for Green Bonds on Whole Loans that Fannie
+Mae identifies as securing a property with an eligible DOE Zero Energy Ready Home green
+building certification. Additionally, Loan Delivery will automatically populate Special Feature
+Code (SFC) 888 WaterSense Certification on Whole Loans that Fannie Mae identifies as
+securing a property with an eligible WaterSense certification. If SFC 881 or 888 is auto-
+populated on the loan, warning edit 2740 or 2739 will fire, respectively, notifying sellers of the
+change. No action is required by sellers. Contact your Fannie Mae representative for
+assistance or additional information.
+
+Apr 21,
+2025
+
+Hybrid
+Appraisal
+
+Fannie Mae recently announced an expansion to the hybrid appraisal policy effective March
+22, 2025. To support this announcement, Loan Delivery will introduce new edits and update
+existing edits to ensure hybrid appraisal eligibility. See Value Acceptance and Property Data
+Fact Sheet and Loan Delivery Business Rules for more details.
diff --git a/chunks/txt/4ccbc4bbf1b3586fc7dca6baa71225399b5fb41878f45b0ad569d71741115784.txt b/chunks/txt/4ccbc4bbf1b3586fc7dca6baa71225399b5fb41878f45b0ad569d71741115784.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8d4cc5944e44f7184a90ab3bdd88c8db020769d0
--- /dev/null
+++ b/chunks/txt/4ccbc4bbf1b3586fc7dca6baa71225399b5fb41878f45b0ad569d71741115784.txt
@@ -0,0 +1,83 @@
+9.079
+
+IntegratedDisclosureCashToCloseItemEstimatedAmount
+
+9.075
+
+IntegratedDisclosureCashToCloseItemPaymentType
+
+24901.00
+
+ToBorrower
+
+9.078
+
+IntegratedDisclosureCashToCloseItemType
+
+CashToCloseTotal
+
+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
+
+9.075
+
+IntegratedDisclosureCashToCloseItemPaymentType
+
+29677.00
+
+ToBorrower
+
+9.078
+
+IntegratedDisclosureCashToCloseItemType
+
+CashToCloseTotal
+
+Figure 48. XML Snippet - Example of Cash to Close Data for a Refinance.
+
+
+…
+
+
+
+
+
+
+
+
+
+
+
+false<
+
+UCD v2.0 Implementation Guide
+
+- 67 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Figure 48. XML Snippet - Example of Cash to Close Data for a Refinance.
+
+/IntegratedDisclosureCashToCloseItemAmountChangedIndicator>
+
+15000.00<
+
+/IntegratedDisclosureCashToCloseItemEstimatedAmount>
+
+15000.00
+LoanAmount
+
+
+
+
+true<
+
+/IntegratedDisclosureCashToCloseItemAmountChangedIndicator>
diff --git a/chunks/txt/4cedef0167be2db9a642a57987bfc51c5f83a09cf37ada0b0bcbf5f404eab80f.txt b/chunks/txt/4cedef0167be2db9a642a57987bfc51c5f83a09cf37ada0b0bcbf5f404eab80f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2d7a53a0382e195801d77e6f4145aa8023f43fa8
--- /dev/null
+++ b/chunks/txt/4cedef0167be2db9a642a57987bfc51c5f83a09cf37ada0b0bcbf5f404eab80f.txt
@@ -0,0 +1,69 @@
+The Sales Comparison Approach displays when the field Sales Comparison Approach Developed by Appraiser is Yes, and the “When to Include” column
+in this chapter reflects this.
+
+Sales Comparison Approach Developed by Appraiser
+
+Report
+Field ID
+
+Not on
+Report
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+This is an
+appraiser input
+that does not
+display
+
+Always required
+
+Yes | No
+
+Sales Comparison Approach Developed by Appraiser
+•
+•
+
+Yes (The Sales Comparison Approach section is included)
+No (The Sales Comparison Approach section is not included)
+
+Note: Sales Comparison Approach Developed by Appraiser does not display.
+
+The Sales Comparison Approach section may include some or all of the following subsections (“gray bars”):
+• General Information (always displays)
+• Project Information (if applicable, or if relevant)
+• Site (always displays)
+• Water Frontage with Private Access (if applicable)
+• Dwelling(s) (always displays)
+• Energy Efficient and Green Features (if relevant)
+• Unit(s) (always displays)
+• Quality and Condition (always displays)
+• Property Amenities (if relevant)
+• Vehicle Storage (always displays)
+• Outbuilding (if applicable)
+• Summary (always displays)
+• Reconciliation of Sales Comparison Approach (always displays)
+Appendix F-1: URAR Reference Guide
+
+Page 213 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+22 Sales Comparison Approach
+
+• Sales Comparison Map (always displays)
+• Additional Properties Analyzed Not Used (if relevant)
+• Sales Comparison Approach Exhibits (always displays)
+
+Key Concepts
+
+Subject and Comparable Information
diff --git a/chunks/txt/4cf00a9281cf5de8c0e6cf519a72e5844412b61905adf3f2b0f3223a87b67455.txt b/chunks/txt/4cf00a9281cf5de8c0e6cf519a72e5844412b61905adf3f2b0f3223a87b67455.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3de95dd6d9236140f1953708d1d8d12e9835358d
--- /dev/null
+++ b/chunks/txt/4cf00a9281cf5de8c0e6cf519a72e5844412b61905adf3f2b0f3223a87b67455.txt
@@ -0,0 +1 @@
+[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/366&order=field_release_date&sort=asc) Report Attachment December 22, 2025 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2024](/reports/single-family-guarantee-fees/2024) [Read Report](/document/gfee-report-2024.pdf) January 17, 2025 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2023](/reports/single-family-guarantee-fees/2023) [Read Report](/document/gfee-report-2023.pdf) May 02, 2024 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2022](/reports/single-family-guarantee-fees/2022) [Read Report](/document/fannie-mae-and-freddie-mac-single-family-guarantee-fees-in-2022) November 16, 2022 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2021](/reports/single-family-guarantee-fees/2021) [Read Report](/media/30411) December 21, 2021 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2020](/reports/single-family-guarantee-fees/2020) [Read Report](/document/fannie-and-freddie-guarantee-fees-2020) December 14, 2020 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2019](/reports/single-family-guarantee-fees/2019) [Read Report](/document/GFee-Report-2019.pdf) December 18, 2019 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2018](/reports/single-family-guarantee-fees/2018) [Read Report](/media/30116) December 10, 2018 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2017](/reports/single-family-guarantee-fees/2017) [Read Report](/document/fannie-and-freddie-guarantee-fees-in-2017) October 17, 2017 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2016](/reports/single-family-guarantee-fees/2016) [Read Report](/document/fannie-and-freddie-guarantee-fees-in-2016) August 01, 2016 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2015](/reports/single-family-guarantee-fees/2015) [Read Report](/media/30356) June 30, 2015 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2014](/reports/single-family-guarantee-fees/2014) [Read Report](/document/fannie-and-freddie-guarantee-fees-in-2014) November 20, 2014 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2013](/reports/single-family-guarantee-fees/2013) [Read Report](/media/25101) December 09, 2013 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2012](/reports/single-family-guarantee-fees/2012) [Read Report](/document/fannie-and-freddie-guarantee-fees-in-2012) December 09, 2013 [State-Level Guarantee Fee Analysis](/reports/single-family-guarantee-fees/state-level-guarantee-fee-analysis) [Read Report](/document/state-level-g-fee-analysis) August 31, 2012 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees - 2010 / 2011](/reports/single-family-guarantee-fees/2010-2011) [Read Report](/media/24866) September 23, 2011 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees - 2009 / 2010](/reports/single-family-guarantee-fees/2009-2010) [Read Report](/document/fannie-and-freddie-guarantee-fees-in-2009-and-2010) July 08, 2010 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees - 2008 / 2009](/reports/single-family-guarantee-fees/2008-2009) [Read Report](/document/fannie-and-freddie-guarantee-fees-in-2008-and-2009) July 30, 2009 [Fannie Mae and Freddie Mac Single-Family Guarantee Fees - 2007 / 2008](/reports/single-family-guarantee-fees/2007-2008) [Read Report](/media/24861)
diff --git a/chunks/txt/4cf16a066ee7ba84008d69ca239c8652c2604bbe8ffa2d4c0a866cfe5480ecff.txt b/chunks/txt/4cf16a066ee7ba84008d69ca239c8652c2604bbe8ffa2d4c0a866cfe5480ecff.txt
new file mode 100644
index 0000000000000000000000000000000000000000..42a0c714e39f8455144b50514e8d48665c6e4890
--- /dev/null
+++ b/chunks/txt/4cf16a066ee7ba84008d69ca239c8652c2604bbe8ffa2d4c0a866cfe5480ecff.txt
@@ -0,0 +1,26 @@
+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.
+
+Signature
+
+Appraiser
+Agatha Appraiser
+Agatha Appraiser
+
+11/30/2019
+
+Date of Signature and Report
+
+Level
+ID
+State
+Expires
+
+Certified Residential
+XYZ12345
+VA
+12/31/2019
+
+Appraiser Reference ID AA12346 Client Reference ID D-124394 AMC Reference ID A-1434525Completion Version #1Fannie Mae | Freddie Mac September 2024
diff --git a/chunks/txt/4cf3750473160c900743bece9a394c71cb3f6584140f759412eefbca027e68d1.txt b/chunks/txt/4cf3750473160c900743bece9a394c71cb3f6584140f759412eefbca027e68d1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2c11fe8883a69966c93be54dff365dec328fced5
--- /dev/null
+++ b/chunks/txt/4cf3750473160c900743bece9a394c71cb3f6584140f759412eefbca027e68d1.txt
@@ -0,0 +1,53 @@
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 24 of 166
+
+UAD 3.6 Policy
+
+Equity Transactions: Eligibility, Underwriting and Collateral Requirements and B5-7-01, High LTV Refinance Loan and Borrower
+Eligibility for additional information.
+
+SB2-3-04, Special Property Eligibility Considerations (12/10/2025)
+
+Introduction
+
+This topic contains information on Fannie Mae’s unique property eligibility requirements, including:
+
+• Accessory Dwelling Units
+• Multiple Parcels
+• Mixed-Use Properties
+• Hawaiian Lava Flow Zones
+• Properties with Solar Panels
+
+Accessory Dwelling Units
+
+An ADU is an additional living area independent of the primary dwelling that may have been added to, created within, or detached
+from a primary dwelling. The ADU must provide for living, sleeping, cooking, and bathroom facilities and be on the same parcel as
+the primary dwelling.
+
+The ADU may, but is not required to, include access to the primary dwelling. However, it is not considered an ADU if it can only be
+accessed through the primary dwelling or the area is open to the primary dwelling with no expectation of privacy.
+
+The following table describes the number of ADUs allowed.
+
+One-unit principal residence single-
+section standard manufactured home
+(excluding MH Advantage)
+
+One ADU allowed
+
+One-unit principal residence (includes
+all multi-section manufactured homes
+and single-section MH Advantage)
+
+Up to three ADUs allowed
+
+Two-unit dwelling (one unit must be
+owner occupied as the principal
+residence)
+
+Up to two ADUs
+
+Three-unit dwelling (one unit must be
+owner occupied as the principal
+residence)
diff --git a/chunks/txt/4cf8b38f2873ee56b821bbe75a157fa517a89fa370d7b8656ec86ac76a1466d2.txt b/chunks/txt/4cf8b38f2873ee56b821bbe75a157fa517a89fa370d7b8656ec86ac76a1466d2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f838d928e5a1654e137b5a4ca646b57bf563f00c
--- /dev/null
+++ b/chunks/txt/4cf8b38f2873ee56b821bbe75a157fa517a89fa370d7b8656ec86ac76a1466d2.txt
@@ -0,0 +1,109 @@
+Table 25 illustrates that the value for PartyRoleType does not need to be exactly what is displayed on the form if
+it is equivalent. For Example: “NotePayTo” is equivalent to Lender. While these same two data points are used
+to populate 23.1.1 - Lender Name, they appear in the XML file only once.
+
+Table 25. Lender Organization Name
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0
+Value
+
+Notes
+
+2.3
+
+Lender
+
+…/PARTY/LEGAL_E
+NTITY/LEGAL_ENTI
+TY_DETAIL
+
+…/PARTY/ROLES/R
+OLE/ROLE_DETAIL
+
+FullName
+
+Ficus Bank
+
+PartyRoleType
+
+NotePayTo
+
+ROF as Lender
+
+A. FOR MORE I NFORMATI ON
+
+2.0 Reg §1026.38(a)(4), pp. 80121, 80350, 80002-80003, 80055. Cross Reference to §1026.37(a)(3) and (5).
+
+2.1 Reg §1026.38(a)(4)(i), pp. 80121, 80002.
+
+2.2 Reg §1026.38(a)(4)(ii), pp. 80121, 80002.
+
+Appendix E: UCD Implementation Guide
+
+Page 43 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+2.0 Transaction Information
+
+2.3 Reg §1026.2(a)(17); §1026.38(a)(4)(iii), pp. 80121, 80002, 80055.
+
+Appendix E: UCD Implementation Guide
+
+Page 44 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+3.0 Loan Information
+
+3.0 LOAN INFORMATION
+
+The Loan Information section is included in the following Closing Disclosure variations.
+
+Table 26. 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
+
+3.0
+
+Loan Information
+
+✓
+
+✓
+
+✓
+
+3.0 Loan Information fields characterize and identify the loan.
+
+3.0 Loan Information
+
+3.1Loan Term 30 Years
+
+3.2 Purpose Purchase
diff --git a/chunks/txt/4cfc54e3a00cafd14935410409b0c5b94b451f1e9b0452081fa9fc5bc1916786.txt b/chunks/txt/4cfc54e3a00cafd14935410409b0c5b94b451f1e9b0452081fa9fc5bc1916786.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5e3e51b06be08aeafced3b2786eabca1df57c5b6
--- /dev/null
+++ b/chunks/txt/4cfc54e3a00cafd14935410409b0c5b94b451f1e9b0452081fa9fc5bc1916786.txt
@@ -0,0 +1,59 @@
+Table IV-6. Data Points in the LOAN_STATE Container
+
+Data Point
+
+Definition
+
+Valid Values / Format
+
+LoanStateType
+
+Identifies the point in time for
+which the data associated
+with this occurrence of LOAN
+is valid.
+
+AtClosing: A snapshot of the loan data at the
+completion of the closing process. This is
+sometimes referred to as “original.”
+
+AtConversion: For loans with a conversion
+option, a snapshot of the loan data at the time
+the conversion features become effective (e.g.,
+biweekly to monthly payments; adjustable to
+fixed rate amortization).
+
+AtModification: For loans that undergo term
+modifications not originally specified in the
+note, snapshots of the loan data at the time the
+new note terms become effective.
+
+AtReset: For balloon mortgages with a reset
+feature, a snapshot of the loan data on the
+balloon maturity date at the time the borrower
+exercises the reset option to modify and
+extend the balloon note.
+
+Current: A snapshot of the loan data as of the
+LoanStateDate.
+
+LoanStateDate
+
+Specifies the date for the
+“Loan State Type.”
+
+YYYY-MM-DD
+
+2. Loan States and Loan Delivery.
+
+IN DEPTH
+
+Use of the LoanStateType values enables loan delivery file submitters to be precise
+about the timing of the information for each loan transaction. For this reason, the
+LoanStateType needs to be linked with the associated data points in the LOAN
+container so that the data can be used accurately in business logic and calculations.
+
+The LOAN_STATE container must be submitted with every instance of LOAN. The data
+required for every subject loan delivered to the GSEs will be submitted in a minimum
+of two LOAN containers—one with a LoanStateType of “AtClosing” and one with a
+LoanStateType of “Current.”
diff --git a/chunks/txt/4d12d3b870a2ec62fd4a76f0a9d018883788a21d4e909915365418ecf2514ef9.txt b/chunks/txt/4d12d3b870a2ec62fd4a76f0a9d018883788a21d4e909915365418ecf2514ef9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7f18443ade48476c30f15ecb08560a0438abfeb5
--- /dev/null
+++ b/chunks/txt/4d12d3b870a2ec62fd4a76f0a9d018883788a21d4e909915365418ecf2514ef9.txt
@@ -0,0 +1,70 @@
+Quality Comment
+Standard grade
+
+Condition Status
+Typical Wear and Tear
+
+Condition Comment
+Updated 5 years ago
+
+Standard grade with some
+upgraded
+
+Standard grade
+
+Standard grade
+
+Standard grade
+
+Typical Wear and Tear
+
+Updates in the last 1-5 years
+
+Typical Wear and Tear
+
+Well-maintained
+
+Typical Wear and Tear
+
+Updated 5 years ago
+
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+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.
+
+Below grade area has a
+custom brick wet bar that
+includes wood countertops.
+
+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 below grade
+family room. The 2nd floor carpeting was also replaced, however with standard grade carpet.
+
+Appraisal Version #1Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123
+
+Uniform Residential Appraisal Report
diff --git a/chunks/txt/4d134e959ec60621f97f0eaaed56a6a89fc7e659acc13e6c30a8e1ad38a55ffa.txt b/chunks/txt/4d134e959ec60621f97f0eaaed56a6a89fc7e659acc13e6c30a8e1ad38a55ffa.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7090e1e272ee52d3a324518b1effedb302d5aba3
--- /dev/null
+++ b/chunks/txt/4d134e959ec60621f97f0eaaed56a6a89fc7e659acc13e6c30a8e1ad38a55ffa.txt
@@ -0,0 +1,76 @@
+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 8 of 22
+
+Unit Interior - Primary Dwelling (continued)
+
+Unit Interior Exhibits
+
+Level 1 - Bath - Full - Bath 1
+
+Level 1 - Bath - Half
+
+This is where the 1st Full Bathroom photo would display.
+
+This is where the Half Bathroom photo would display.
+
+Level 1 - Bedroom - Bedroom 1
+
+Level 1 - Kitchen
+
+This is where the 1st Bedroom photo would display.
+
+This is where the Kitchen photo would display.
+
+Level 2 - Bath - Full - Bath 2
+
+Level 2 - Bath - Full - Bath 3
+
+This is where the 2nd Full Bathroom photo would display.
+
+This is where the 3rd Full Bathroom photo would display.
+
+Level 2 - Bedroom - Bedroom 2
+
+Level 2 - Bedroom - Bedroom 3
+
+This is where the 2nd Bedroom photo would display.
+
+This is where the 3rd Bedroom photo would display.
+
+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 9 of 22
+
+Unit Interior - Primary Dwelling (continued)
+
+Level 2 - Bedroom - Bedroom 4
+
+Level 2 - Bedroom - Bedroom 5
+
+This is where the 4th Bedroom photo would display.
+
+This is where the 5th Bedroom photo would display.
+
+Unit Interior - ADU
+
+Area Breakdown
+
+Finished Above Grade
+Unfinished Above Grade
+Finished Below Grade
+Unfinished Below Grade
+
+Area Data Source
+
+ADU
+
+Legally Rentable
+Data Source
+Typical for Market
+Ingress/Egress
+Separate Postal Address
diff --git a/chunks/txt/4d2210000840d071d7f143a2321a2e2f91a636af07c094abdac9a939b1411749.txt b/chunks/txt/4d2210000840d071d7f143a2321a2e2f91a636af07c094abdac9a939b1411749.txt
new file mode 100644
index 0000000000000000000000000000000000000000..aaede9f5799c4e11e6b735476e14afcd854f901b
--- /dev/null
+++ b/chunks/txt/4d2210000840d071d7f143a2321a2e2f91a636af07c094abdac9a939b1411749.txt
@@ -0,0 +1,15 @@
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+41
+
+Data PointsContainersLegend:3a. Property You Own OWNED_PROPERTYPROPERTYPROPERTY_DETAILPropertyEstimatedValueAmountPropertyCurrentUsageTypePropertyUsageTypePropertyUsageTypeOtherDescriptionOWNED_PROPERTY_DETAILADDRESSAddressLineTextAddressUnitIdentifierCityNameStateCodePostalCodeCountryCodeOwnedPropertySubjectIndicatorOwnedPropertyDispositionStatusTypeOwnedPropertyMaintenanceExpenseAmountOwnedPropertyRentalIncomeGrossAmountOwnedPropertyRentalIncomeNetAmountOwnedPropertyLienUPBAmountPROPERTY_VALUATIONSPROPERTY_VALUATIONPROPERTY_VALUATION_DETAILPropertyValuationAmountDEALLOANSLOANASSETSASSETLIABILITIESLIABILITYLIABILITY_DETAILLiabilityPaymentIncludesTaxesInsuranceIndicatorLiabilityAccountIdentifierLiabilityTypeLiabilityMonthlyPaymentAmountLiabilityUnpaidBalanceAmountLiabilityPayoffStatusIndicatorMortgageTypeHELOCMaximumBalanceAmountLiabilityExclusionIndicatorLIABILITY_HOLDERNAMEFullNameREFINANCECurrentFirstMortgageHolderTypeTotalMortgagedPropertiesCountCOLLATERALSCOLLATERALSUBJECT_PROPERTYPROPERTY_VALUATIONSPROPERTY_VALUATIONPROPERTY_VALUATION_DETAILEXTENSIONOTHERDU:PropertyDataIdentifierDU: PROPERTY_VALUATION_DETAIL _EXTENSIONLOAN_DETAIL
+
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+42
+
+MISMO Data PointsMISMO ContainersLegend:4a. Loan and Property InformationPROPERTY_VALUATIONADDRESSAddressLineTextAddressUnitIdentifierCityNameStateCodePostalCodeCountyNamePROPERTY_VALUATON_DETAILPropertyValuationAmountSUBJECT_PROPERTYPROPERTY_DETAILFinancedUnitCountPropertyEstimatedValueAmountPropertyUsageTypeFHASecondaryResidenceIndicatorPropertyMixedUsageIndicatorConstructionMethodTypeConstructionMethodTypeOtherDescriptionCOLLATERALSDEALLOANSLOANCOLLATERALTERMS_OF_LOANLoanPurposeTypePROPERTY_VALUATIONSLOCATION_IDENTIFIERFIPS_INFORMATIONFIPSStateNumericCodeFIPSCountyCodeCENSUS_INFORMATIONGENERAL_IDENTIFIERCensusTractIdentifierMSAIdentifierQUALIFICATIONEXTENSIONOTHERULAD:QUALIFICATION_EXTENSIONULAD:PositiveRentalHistoryIndicator
diff --git a/chunks/txt/4d2a47883e84229c68aafa9e4aa1ee12390f77d33b6ea76b6e14094ea056da00.txt b/chunks/txt/4d2a47883e84229c68aafa9e4aa1ee12390f77d33b6ea76b6e14094ea056da00.txt
new file mode 100644
index 0000000000000000000000000000000000000000..488314a9810cee128403c5d79bd5a81ad53adf83
--- /dev/null
+++ b/chunks/txt/4d2a47883e84229c68aafa9e4aa1ee12390f77d33b6ea76b6e14094ea056da00.txt
@@ -0,0 +1,112 @@
+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.
+
+30
+
+String
+
+383
+
+2
+
+121
+
+SALES
+COMPARISON
+APPROACH
+
+Effective Date of Data
+Source (s)
+COMPARABLE
+
+Data Source Effective
+Date
+
+The effective date of the source of
+information.
+
+384
+
+2
+
+122
+
+SALES
+COMPARISON
+APPROACH
+
+Analysis of prior sale or
+transfer history of the
+subject property and
+comparable sales.
+
+GSE Prior Sale
+Comment
+
+Analysis of the prior sale(s) of the
+subject and comparable sales.
+
+385
+
+2
+
+123
+
+SALES
+COMPARISON
+APPROACH
+
+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 property.
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/PRIOR_SALES/@DataSourceEffectiveDate
+
+/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/@GSEPriorSaleComment
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/@_Commen
+t
+
+PDF Display Format (when the source is an MLS listing):
+MLS Organization # Listing
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+
+10
+
+Date/Time
+
+Data Format:
+yyyy-mm-dd
+
+PDF Display Format:
+mm/dd/yyyy
+
+4000
+
+String
+
+Note: All text entered in this field, including overflow into the addendum, must
+be captured and included in the XML data point.
diff --git a/chunks/txt/4d2b2e0a58978c8abfcaa000287b24c1d25038d40ade920277e3441ed3f244c0.txt b/chunks/txt/4d2b2e0a58978c8abfcaa000287b24c1d25038d40ade920277e3441ed3f244c0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..98700b0ded26235744154d1427995aedf43fc84f
--- /dev/null
+++ b/chunks/txt/4d2b2e0a58978c8abfcaa000287b24c1d25038d40ade920277e3441ed3f244c0.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/policy/representation-and-warranty-framework"
+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) 
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+ **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+ **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.
+
+*[](/) [U.S. FEDERAL HOUSING](/)*
+
+ Search site content. Search  - 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/4d32bc01b882497aaad12325d4f5b87a63fd18457f7864321fe5cd450a38cf29.txt b/chunks/txt/4d32bc01b882497aaad12325d4f5b87a63fd18457f7864321fe5cd450a38cf29.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b41d17867d6f48380d457dc1dcd72471e798a5af
--- /dev/null
+++ b/chunks/txt/4d32bc01b882497aaad12325d4f5b87a63fd18457f7864321fe5cd450a38cf29.txt
@@ -0,0 +1,105 @@
+SiteBuilt
+
+SiteBuilt
+
+SiteBuilt And Modular
+
+SiteBuilt And Container
+
+SiteBuilt
+
+SiteBuilt
+
+SiteBuilt
+
+SiteBuilt
+
+SiteBuilt
+
+SiteBuilt
+
+SiteBuilt And
+ThreeDimensionalPrintingTechnology
+
+SiteBuilt
+
+SiteBuilt
+
+SiteBuilt
+
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+29
+
+OnFrameModular And Modular
+
+SiteBuilt
+
+SiteBuilt
+
+SiteBuilt
+
+OnFrameModular And Container
+
+SiteBuilt
+
+SiteBuilt
+
+SiteBuilt
+
+OnFrameModular And
+ThreeDimensionalPrintingTechnology
+
+SiteBuilt
+
+SiteBuilt
+
+SiteBuilt
+
+Modular And Container
+
+SiteBuilt
+
+SiteBuilt
+
+SiteBuilt
+
+Modular And
+ThreeDimensionalPrintingTechnology
+
+SiteBuilt
+
+Container And
+ThreeDimensionalPrintingTechnology
+
+SiteBuilt
+
+SiteBuilt
+
+SiteBuilt
+
+SiteBuilt
+
+SiteBuilt
+
+L2. Title Information
+
+For all loan types, lenders must submit whether the Estate will be held in Fee Simple or Leasehold. For
+FHA loans, if the Estate is Leasehold, then the expiration date for the lease must be provided.
+
+L3. Mortgage Loan Information
+
+All the data points in this section are required with the exception of the time periods for the Adjustable
+Rate. The Proposed Housing Expenses should be provided by indicating each housing expense type and the
+corresponding monthly payment amount. DU will use this information to calculate the total. Proposed
+Monthly Payment as a total does not need to be included in the Loan Application Submission file.
+
+L4. Qualifying the Borrower – Minimum Required Funds or Cash Back
+
+The loan amount is required regardless of the type of mortgage. The sales contract amount is only required
+for purchase transactions. All of the data points in this section will be consumed by DU if provided in the
+Loan Application Submission file. Data points representing the total amounts are optional since DU will
+calculate the amount based on the information provided. In this section, FHA and VA loans follow the
+same conditionality approach as DU.
diff --git a/chunks/txt/4d3a23aaf5abe158a82b2ec52a87e0d47295ab766165b4b413b3b69c9b5d3413.txt b/chunks/txt/4d3a23aaf5abe158a82b2ec52a87e0d47295ab766165b4b413b3b69c9b5d3413.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1f1f6bb7ab11c2f58e0c5716d97ff3aeb342129d
--- /dev/null
+++ b/chunks/txt/4d3a23aaf5abe158a82b2ec52a87e0d47295ab766165b4b413b3b69c9b5d3413.txt
@@ -0,0 +1,59 @@
+a.
+
+Is a standard fixed rate or ARM product with no special features,
+
+b. Has a buydown feature,
+
+c. Has a pre-computed interest rate, or
+
+d. Is an ARM where the rate is not known at the time the disclosure is prepared (See 4.2 Interest Rate).
+
+Appendix E: UCD Implementation Guide
+
+Page 20 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+IV. UCD Data Point Categories
+
+Figure 5. UCD Document Specific Data Points
+
+4. VARI ABLE FORM FI ELD NAMES
+
+By Regulation, some Closing Disclosure field names change depending on the business condition. For example:
+
+a. On the Model Form, the values in Projected Payment Calculation Period Start Number and End Number
+
+provide the column headings (5.1.1 – 5.1.4) on 5.0 Projected Payments Table.
+
+b. On the Alternate Form, a mutually exclusive data points must be selected to supply the form field name
+
+for 1.7 Appraised Prop. Value or Estimated Prop. Value.
+
+Appendix E: UCD Implementation Guide
+
+Page 21 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+IV. UCD Data Point Categories
+
+5. STATI C BOI LERPLATE
+
+In several sections on the Closing Disclosure, implementers may need to provide boilerplate text specified by the
+Regulation. The UCD does not include data points for static boilerplate text. This text will need to be generated
+by the application producing the closing documents.
+
+MISMO v3.3.0 does have a structure OTHER_ LOAN_CONSIDERATIONS_AND_DISCLOSURES_ITEMS to support
+the inclusion of boilerplate text by non-GSE trading partners (see Figure 5).
+
+6. DYNAMI C BOI LERPLATE
+
+The content of some boilerplate text on the Closing Disclosure varies based on loan characteristics. UCD data
+point values provide some of the content of dynamic boilerplate and are included in Appendix I. The Appendix I
+Excerpt “Notes” column explains how the associated data point value is incorporated into the dynamic
+boilerplate.
diff --git a/chunks/txt/4d46831b863e7326587d6aeedeb1d91540afc4aa3e4b3b24e9a0f24e7ffc2d76.txt b/chunks/txt/4d46831b863e7326587d6aeedeb1d91540afc4aa3e4b3b24e9a0f24e7ffc2d76.txt
new file mode 100644
index 0000000000000000000000000000000000000000..acc551c996fc65e06880091536d911f500de24a0
--- /dev/null
+++ b/chunks/txt/4d46831b863e7326587d6aeedeb1d91540afc4aa3e4b3b24e9a0f24e7ffc2d76.txt
@@ -0,0 +1,44 @@
+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 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)
+
+Cooperative Scenario 1 (Coop1)
+
+Introduction
+
+This report is for the purchase of a single-level cooperative apartment located less than a half mile from
+the city center. The subject project comprises of a high-rise structure built in the early 1970s and
+contains a dry cleaner and some office space on the first floor. The subject building contains a total of
+126 residential units that also have access to a pool and a theater. A garage parking space conveys with
+the subject property. The project grounds are adorned with landscaping that is beneficial to its value
+and marketability.
diff --git a/chunks/txt/4d4acd343ff8eb22f4d37a03ff510cace33886e544ee21c3f61087a46025e30b.txt b/chunks/txt/4d4acd343ff8eb22f4d37a03ff510cace33886e544ee21c3f61087a46025e30b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..83ee1cc918ce5a1d263ee356751d9b2764322e96
--- /dev/null
+++ b/chunks/txt/4d4acd343ff8eb22f4d37a03ff510cace33886e544ee21c3f61087a46025e30b.txt
@@ -0,0 +1,90 @@
+Energy Efficient
+and Green
+Features Exhibits
+
+Photos or images relevant to the Energy Efficient and Green Features section
+may be provided, which display in Energy Efficient and Green Features
+Exhibits. A caption must be provided to further describe the photo or image.
+
+Appendix F-1: URAR Reference Guide
+
+Page 90 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+07 Sketch
+
+07 Sketch
+
+The Sketch section always displays and contains a sketch or floor plan that represents the dwellings and
+outbuildings on the subject property, and provides space for additional commentary.
+
+Reference published guidelines by the GSEs, government agencies, or other identified secondary market
+participants for specific guidance regarding measurement standards and the sketch or floor plan.
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+7.000
+
+N/A
+
+Always required
+
+Yes | No
+
+7.001 Measurement
+
+Standard
+
+Required if Sketch or
+Floor Plan Provided is
+Yes
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+Sketch
+
+Definition / Additional Guidance
+
+Sketch or Floor Plan Provided
+If No, “Sketch or Floor Plan Not Available” displays.
+•
+
+An explanation is required in Sketch Commentary.
+
+The standard used for measurement calculations.
+•
+ANSI (American National Standards Institute)
+o
+
+If applicable, provide the appropriate ANSI Declaration(s) in Sketch
+Commentary.
+
+•
+•
+
+AMS (American Measurement Standard)
+Other (Describe)
+o
+
+If not applicable due to property type, choose Other and enter “Not
+Applicable due to property type”.
+▪
+
+Examples: low-rise, mid-rise, and high-rise condos and
+apartment/multifamily buildings.
diff --git a/chunks/txt/4d4d1248229045c6687e06f6c486314ec53f98824b13c5caae5fe1fe1ff83189.txt b/chunks/txt/4d4d1248229045c6687e06f6c486314ec53f98824b13c5caae5fe1fe1ff83189.txt
new file mode 100644
index 0000000000000000000000000000000000000000..51be04bd35e7fb7a902c5c7d3c929fa5d81d249c
--- /dev/null
+++ b/chunks/txt/4d4d1248229045c6687e06f6c486314ec53f98824b13c5caae5fe1fe1ff83189.txt
@@ -0,0 +1,28 @@
+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.
+
+Freddie Mac Form 466 March 2005 226
+
+Page 5 of 6
+
+Fannie Mae Form 1075 March 2005
+
+2
+
+Exterior-Only Inspection Individual Condominium Unit Appraisal Report File # 3 4 4a
+
+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).
+
+22. I am aware that any disclosure or distribution of this appraisal report by me or 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.
+
+23. The borrower, another lender at the request of the borrower, the mortgagee or its successors and assigns, mortgage
+insurers, government sponsored enterprises, and other secondary market participants may rely on this appraisal report as part
+of any mortgage finance transaction that involves any one or more of these parties.
diff --git a/chunks/txt/4d66288be656a436e6b8f3b3cac826d5a35f9739713a87bae8be27f822fe7555.txt b/chunks/txt/4d66288be656a436e6b8f3b3cac826d5a35f9739713a87bae8be27f822fe7555.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e9e6c0d23c8654bf034f900848fc8fead097dcde
--- /dev/null
+++ b/chunks/txt/4d66288be656a436e6b8f3b3cac826d5a35f9739713a87bae8be27f822fe7555.txt
@@ -0,0 +1,176 @@
+Total number of living units sold.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE
+[@_Type='Complete']/@UnitsSoldCount
+
+169
+
+1
+
+162
+
+PROJECT
+INFORMATION
+
+If Project Completed
+# of Units Rented
+
+Units Rented Count Total number of living units rented.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE
+[@_Type='Complete']/@UnitsRentedCount
+
+170
+
+1
+
+163
+
+PROJECT
+INFORMATION
+
+If Project Completed
+# of Owner Occupied Units
+
+Owner Occupied
+Unit Count
+
+The number of units occupied by their
+owners.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE
+[@_Type='Complete']/@OwnerOccupiedUnitCount
+
+Data Point Field
+Length
+
+20
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+Format
+
+Numeric
+
+Numeric
+
+Numeric
+
+Numeric
+
+Numeric
+
+Numeric
+
+Numeric
+
+Whole numbers only.
+
+Whole numbers only.
+
+Whole numbers only.
+
+Whole numbers only.
+
+Whole numbers only.
+
+Whole numbers only.
+
+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.
+
+Implementation Notes
+
+Conditionality Description
+
+Data Field
+Conditionality
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+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.