diff --git a/chunks/txt/91928405899975fc7a67bde93b13a20e9d33697b485a36697790161d297c7e40.txt b/chunks/txt/91928405899975fc7a67bde93b13a20e9d33697b485a36697790161d297c7e40.txt
new file mode 100644
index 0000000000000000000000000000000000000000..980e2426fa11a649a0bc155eae647e685c7314af
--- /dev/null
+++ b/chunks/txt/91928405899975fc7a67bde93b13a20e9d33697b485a36697790161d297c7e40.txt
@@ -0,0 +1,53 @@
+String
+
+This field should indicate the HOA Assessment for the comparable property.
+
+UAD Requirement - See Appendix D Sales Comparison Approach Section
+
+Money
+
+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.
+
+String
+
+This field should indicate the common elements of the comparable project.
+
+UAD Requirement - See Appendix D Sales Comparison Approach Section
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+The sum of this field 3-72 and fields (3-60,
+3-62, 3-64, 3-66, 3-68, 3-70, 3-74, 3-76, 3-
+78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, 3-93,
+3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3-
+107, 3-109, 3-111) must add up to Net
+Adjustment field 3-116.
+
+String
+
+This field should indicate the recreational facilities of the comparable project.
+
+UAD Requirement - See Appendix D Sales Comparison Approach Section
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+The sum of this field 3-74 and fields (3-60,
+3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-76, 3-
+78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91, 3-93,
+3-95, 3-97, 3-99, 3-101, 3-103, 3-105, 3-
+107, 3-109, 3-111) must add up to Net
+Adjustment field 3-116.
diff --git a/chunks/txt/91a5f5d62fbfec2db8b873ec034945c66ec6ee182de679d4f093a8aec18fb3c2.txt b/chunks/txt/91a5f5d62fbfec2db8b873ec034945c66ec6ee182de679d4f093a8aec18fb3c2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1fde01f8bc30326fdcfdb7a03acfae8a8e6318ab
--- /dev/null
+++ b/chunks/txt/91a5f5d62fbfec2db8b873ec034945c66ec6ee182de679d4f093a8aec18fb3c2.txt
@@ -0,0 +1,137 @@
+7. 7 SERVI CES BORROWER DI D SHOP FOR
+
+Figure 79 illustrates sample creditor-required services that the borrower shopped for. Examples include pest
+inspections, surveys, title closing agent and title closing protection letter fee. The data points used to provide
+this information are shown in the table below and are repeated as needed for each line item.
+
+Loan Costs
+
+7.1 A. Origination Charges
+
+7.4 B. Services Borrower Did Not Shop For
+
+7.6 C. Services Borrower Did Shop For
+
+Borrower-Paid
+
+Seller-Paid
+
+At Closing
+
+Before Closing
+
+At Closing
+
+Before Closing
+
+Paid by
+Others
+
+7.1.1 $1,802.00
+
+7.4.1 $236.55
+
+7.6.1 $620.50
+
+01 7.7Pest Inspection Fee
+
+7.7.1
+
+to Pests Co.
+
+7.7.2
+
+$120.50 7.7.3
+
+7.7.4
+
+7.7.5
+
+7.7.6
+
+02
+
+Title–Lender’s Coverage Premium to Epsilon
+Title Co. (optional)
+
+$500.00
+
+Appendix E: UCD Implementation Guide
+
+Page 121 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+7.0 Loan Costs Table
+
+Figure 79. Loan Costs Table – Services Borrower Did Shop For Line Items
+
+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 97. Services Borrower Did Shop For Line Items
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0
+Value
+
+Notes
+
+N/A - GSE
+
+…/FEE/FEE_DETAIL
+
+FeePaidToType
+
+Other
+
+FIRST INSTANCE OF FEE
+
+UID
+7.074
+
+UID
+7.110
+
+7.7
+
+N/A - GSE
+
+Pest Inspection Fee
+
+7.7
+
+N/A – XML
+
+UID
+7.071
+
+7.7.1
+
+N/A - GSE
+
+Pest Inspection Fee
+to Pests Co.
+
+…/FEE/FEE_PAID_T
+O/LEGAL_ENTITY/L
+EGAL_ENTITY_DETA
+IL
+
+FeePaidToTypeOth
+erDescription
+
+LenderAffiliate
+
+FeeType
diff --git a/chunks/txt/91a9f088384da69d08d2e25d809fdfdbd20bf7309642b64cc3f8d679f95bcaf2.txt b/chunks/txt/91a9f088384da69d08d2e25d809fdfdbd20bf7309642b64cc3f8d679f95bcaf2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..637c293e36985ba51036235ea3c1e6a8d32f2067
--- /dev/null
+++ b/chunks/txt/91a9f088384da69d08d2e25d809fdfdbd20bf7309642b64cc3f8d679f95bcaf2.txt
@@ -0,0 +1,84 @@
+SequenceNumber values as a proxy for each
+unique instance of PARTY will need to update
+their mapping to PartyRoleType for each
+INDIVIDUAL and LEGAL_ENTITY.
+
+Removed SMART
+Doc® functionality
+
+▪ Unused UCD data points required only
+for MISMO® SMART Doc functionality
+have been removed.
+
+▪ Remove the data points and attributes
+
+supporting MISMO SMART Docs from the
+UCD XML file.
+
+▪ If provided, data supporting SMART Docs will
+
+be ignored and will not be processed.
+
+Additional
+Information
+
+▪ UCD v2.0 Tab 4b-
+Revision Log v1.5-
+v2.0 shows all
+deleted
+CONTAINERS,
+data points and
+attributes.
+
+▪ UCD v2.0 CEM,
+Phase 4 tab.
+
+▪ UCD v2.0 Tab 4b-
+Revision Log v1.5-
+v2.0 shows all
+deleted
+CONTAINERS,
+data points and
+attributes.
+
+© 2025 Fannie Mae and Freddie Mac. Trademarks are the property of their respective owners.
+
+December 2025
+
+7
+
+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.
+
+Change
+
+Description
+
+Potential Impact
+
+▪ Review the merged requirements to determine if
+
+system and business rules are impacted.
+
+Align UCD v2.0
+Format with other
+UMDP Datasets
+
+▪ The columns under Purchase and Non-
+Seller Transactions from UCD v1.5
+specifying Cardinality, Conditionality,
+Conditionality Details and
+Implementation Notes have been
+merged.
+
+• Where the notation was identical, the values
+in the merged columns did not change.
+
+• Where the notation differed, the merged
+column requirements will appear to be
+different; however, they have not changed.
+
+Include UCD Phase
+3B Postponed and
+Phase 4 Critical
+Edits
diff --git a/chunks/txt/91b28e043d261c4ba6e81186bc0c5118e3b4da8e88f1a74ad41808d37b0227e2.txt b/chunks/txt/91b28e043d261c4ba6e81186bc0c5118e3b4da8e88f1a74ad41808d37b0227e2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7cb7397d050bf120b6fb5e7a66aac33086f20af4
--- /dev/null
+++ b/chunks/txt/91b28e043d261c4ba6e81186bc0c5118e3b4da8e88f1a74ad41808d37b0227e2.txt
@@ -0,0 +1,89 @@
+14.002
+
+Inground Pool
+ Inground Spa
+ Outdoor Shower
+ Sauna
+
+0200.0032
+
+AmenityType
+
+When AmenityCategoryType = “WaterFeatures”, display the amenity type
+(AmenityType = “IngroundPool” OR “IngroundSpa” OR “OutdoorShower” OR “Sauna”)
+
+14.001
+
+Whole Home
+
+0200.0034
+
+AmenityCategoryType
+
+14.002
+
+EV Station
+ Elevator
+ Fire Suppression System
+ Indoor Fireplace
+ Multiple-Zone HVAC
+ Smart Home System
+ Whole House Ventilation
+ Wood Stove
+
+0200.0039
+
+AmenityType
+
+Display “Whole Home” when PropertyAmenityExistsIndicator = “true” AND
+(AmenityType = "ElectricVehicleChargingStation" OR "Elevator" OR
+"FireSuppressionSystem" OR "IndoorFireplace" OR
+"MultipleZoneHeatingVentilationAndAirConditioning" OR "SmartHomeSystem" OR
+"WholeHouseVentilation" OR "WoodStove")
+
+When AmenityCategoryType = “WholeHome”, display the amenity type
+(AmenityType = “ElectricVehicleChargingStation” OR “Elevator” OR
+“FireSuppressionSystem” OR “IndoorFireplace” OR
+“MultipleZoneHeatingVentilationAndAirConditioning” OR “SmartHomeSystem” OR
+“WholeHouseVentilation” OR “WoodStove”)
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Report
+Field ID
+
+Amenity Category/Amenity Type
+
+Unique ID
+
+Subject Property Amenities: General Information
+
+MISMO Data Point
+Name
+
+Display Rules
+
+14.001
+
+Miscellaneous
+
+0200.0041
+
+AmenityCategoryType
+
+Display “Miscellaneous” when PropertyAmenityExistsIndicator = “true” AND
+(AmenityType = "ClubMembership" OR "SharedLaundryFacilities" OR "UnitStorage" OR
+"Other")
+
+14.002
+
+Airstrip
+ Club Membership
+ Shared Laundry Facilities
+
+0200.0046
+
+AmenityType
+
+When AmenityCategoryType = “Miscellaneous”, display the amenity type
+(AmenityType = “AirStrip” OR “ClubMembership” OR “SharedLaundryFacilities”)
diff --git a/chunks/txt/91c014ac9bb6ef4ae3c45055a7f5ddb6640f23017ee43bd8089456d2de783eb3.txt b/chunks/txt/91c014ac9bb6ef4ae3c45055a7f5ddb6640f23017ee43bd8089456d2de783eb3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9fe5c7a654ab24c87a6da158b50a224a2c7974a6
--- /dev/null
+++ b/chunks/txt/91c014ac9bb6ef4ae3c45055a7f5ddb6640f23017ee43bd8089456d2de783eb3.txt
@@ -0,0 +1,48 @@
+See SB4-1.2-04, Age of Appraisal and Restricted Appraisal Update Report Requirements for additional information.
+
+Requalification Requirements
+
+Requalification of the borrower(s) is required at the time of conversion to permanent financing if
+
+the LTV ratio increased due to a decline in property value,
+
+•
+• updated credit documents were obtained, or
+•
+
+as otherwise required per the modified loan term in the table above.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 171 of 166
+
+UAD 3.6 Policy
+
+To be eligible for purchase by Fannie Mae, the loan must retain an Approve/Eligible recommendation after resubmission to DU
+(or, be eligible per the Eligibility Matrix if manually underwritten).
+
+When requalification is required
+
+•
+•
+
+•
+
+the LTV ratio must be adjusted based on the new appraisal;
+if credit documents exceed the four (or 18) month age of documentation requirement, the updated income, credit, and
+liability information must be considered; and
+the loan data at delivery must match the data considered in the final requalification of the loan.
+
+Loan Conversion Documentation Options
+
+The construction loan may be converted into a permanent loan in either of the following ways:
+
+• Option 1: A construction loan rider must be used to modify Fannie Mae’s uniform instrument that will be used for the
+
+permanent loan. The rider must state the construction loan terms, and the construction-related provisions of the rider
+must become null and void at the end of the construction period and before the permanent loan is sold to Fannie Mae.
+Because the permanent loan cannot be sold before it is scheduled to begin amortizing, the lender will need to amend the
+construction loan rider, and the accompanying uniform instrument, if the construction is completed sooner or later than
+originally anticipated. The amendment(s) should provide the new dates on which amortization for the permanent loan
+will begin and end. The lender also will need to record the amended documents before the permanent loan is sold.
+• Option 2: A separate modification agreement must be used to convert the construction loan into permanent financing.
diff --git a/chunks/txt/91c2b950561b489b7757acb3daa6472c9f32ba0a4d29be3a365b73535be56119.txt b/chunks/txt/91c2b950561b489b7757acb3daa6472c9f32ba0a4d29be3a365b73535be56119.txt
new file mode 100644
index 0000000000000000000000000000000000000000..90ba63a6b8d6f545341cbe86b0e937a1ac5b1df8
--- /dev/null
+++ b/chunks/txt/91c2b950561b489b7757acb3daa6472c9f32ba0a4d29be3a365b73535be56119.txt
@@ -0,0 +1,37 @@
+The HUD Data Plate is a paper document located on the interior of the subject property that contains,
+among other things, the manufacturer’s name and trade/model number. In addition to the data required
+by Fannie Mae, the Data Plate includes pertinent information about the unit, including a list of factory-
+installed equipment. The HUD Certification Label(s), sometimes referred to as a HUD “seal” or “tag,” is a
+metal plate located on the exterior of each section of the home. The Uniform Residential Appraisal Report
+must have photos of either the HUD Data Plate or the HUD Certification Label(s).
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 12 of 166
+
+UAD 3.6 Policy
+
+As an alternative to the original HUD Certification Label(s) or the HUD Data Plate, the lender must obtain
+either a label verification letter with the same information contained on the HUD Certification Label(s) or
+duplicate HUD Data Plate from the Institute for Building Technology and Safety (IBTS). A duplicate HUD
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 13 of 166
+
+UAD 3.6 Policy
+
+✓
+
+Requirements
+
+Data Plate may also be available by contacting the In-Plant Primary Inspection Agency (IPIA) or the
+manufacturer. (A list of IPIA offices is posted on HUD’s website.)
+
+The unit must not have been previously installed or occupied at any other site or location, except from the
+manufacturer or the dealer’s lot as a new unit.
+
+The manufactured home must be a one- to four-unit dwelling that is legally classified as real property and
+can include only one accessory dwelling unit. See SB2-3-04, Special Property Eligibility Considerations for
+additional information. See SB2-3-02, Special Property Eligibility and Underwriting Considerations: Factory-
+Built Housing for ADU requirements for MH Advantage.
diff --git a/chunks/txt/91cd3bd7008362a589d54b24b9f915926da992ac4f7a3ce3595f91abe9bbc6c3.txt b/chunks/txt/91cd3bd7008362a589d54b24b9f915926da992ac4f7a3ce3595f91abe9bbc6c3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..12a46073f165e983d27294b6f8c43182d860b53a
--- /dev/null
+++ b/chunks/txt/91cd3bd7008362a589d54b24b9f915926da992ac4f7a3ce3595f91abe9bbc6c3.txt
@@ -0,0 +1,108 @@
+5
+
+How Can This Initiative Help the Industry?
+
+S
+T
+
+I
+
+F
+E
+N
+E
+B
+
+L
+L
+A
+R
+E
+V
+O
+
+Expand scope of UAD to
+cover all property types.
+
+Get better appraisal
+quality and compliance.
+
+Create potential opportunities
+to reduce required capital
+reserves for lenders.
+
+Reduce subjectivity to
+enhance impartiality
+through discrete data
+versus free-form text.
+
+Identify Uniform Standards
+of Professional Appraisal
+Practice (USPAP) compliance
+points more easily.
+
+Replace multiple appraisal forms
+with a single dynamic report.
+
+M A R C H 2 0 2 3
+
+6
+
+How Can This Initiative Help the Industry?
+
+1
+
+One Dynamic Report
+
+ü Increase flexibility with a dynamic scope
+
+of work to cope with unforeseen
+challenges (e.g., COVID).
+
+ü Minimize lender review times with
+
+streamlined GSE scoring on all property
+types.
+
+ü Simplify documentation of atypical
+
+properties (e.g., 2-4 unit condos, site
+condos, etc.).
+
+ü Allow lenders and investors to
+
+easily address and adapt to industry-
+wide issues.
+
+2
+
+Data Standardization
+
+ü Introduce flexibility to facilitate future
+appraisal modernization projects.
+
+ü Increase lender productivity through
+machine-readable data that better
+identifies key risk indicators.
+
+ü Reduce repurchase risk with objective
+enumerations of property condition.
+
+3
+
+Improved Review Process
+
+ü Identify more risk indicators with
+more discrete data and less
+freeform text to more efficiently
+route internal reviews.
+
+ü Better clarify adverse items and
+
+their severity to preserve
+representation and warranty relief.
+
+ü Decrease staffing costs through a
+reduction in correction requests.
+
+ü Manage risk with clearer
diff --git a/chunks/txt/91e11b80143fa1bb8661f35a6613e8ed3642a0f76d2e5a53c6f46a7efca57e58.txt b/chunks/txt/91e11b80143fa1bb8661f35a6613e8ed3642a0f76d2e5a53c6f46a7efca57e58.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8ca4f6a302ad2e8786935e409c3ed33e7e1921db
--- /dev/null
+++ b/chunks/txt/91e11b80143fa1bb8661f35a6613e8ed3642a0f76d2e5a53c6f46a7efca57e58.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/programs/duty-to-serve"
+date_accessed: "2026-01-27T17:47:58.679Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/91e797478601cb6156675e9a47099def11f6de5ac2b68ac1993bde728d8c3a43.txt b/chunks/txt/91e797478601cb6156675e9a47099def11f6de5ac2b68ac1993bde728d8c3a43.txt
new file mode 100644
index 0000000000000000000000000000000000000000..92d8127106aa75dec6b407292dfaf1b9d3a7de51
--- /dev/null
+++ b/chunks/txt/91e797478601cb6156675e9a47099def11f6de5ac2b68ac1993bde728d8c3a43.txt
@@ -0,0 +1,39 @@
+[Mortgage Translations](/mortgage-translations)
+
+- [About Mortgage Translations](/mortgage-translations)
+ - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)
+ - [COVID-19 Resources](/mortgage-translations/covid-19-resources)
+ - [Interpretive Services](/mortgage-translations/interpretive-services)
+ - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)
+ - [Search Documents](/mortgage-translations/search)
+ - News Public Affairs
+
+- [News Releases](/news/news-release)
+ - [Statements](/news/statement)
+ - [Speeches](/news/speech)
+ - [Testimonies](/news/testimony)
+ - [Public Input](/public-input)
+ - [Blogs](/blog)
+ - [Fact Sheets](/news/fact-sheet)
+ - [FAQs](/faqs)
+ - [Partner Agency Engagements](/news/partner-agency-engagements)
+ - [Public Engagements](/news/public-engagements)
+ - [Videos](/media)
+
+Social Media
+
+- [Facebook](https://www.facebook.com/FHFA)
+ - [LinkedIn](https://www.linkedin.com/company/354523)
+ - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [X (formerly Twitter)](https://twitter.com/FHFA)
+ .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu
+
+# FHFA Conforming Loan Limit Values
+
+## Breadcrumb
+
+- [Home](/)
+ - [FHFA Data](/data)
+ - FHFA Conforming Loan Limit Values
+
+Fannie Mae and Freddie Mac are restricted by law to purchasing single-family mortgages with origination balances below a specific amount, known as the “conforming loan limit” (CLL) value. Loans above this amount are known as jumbo loans.
diff --git a/chunks/txt/91eaa4d058063764eacd72fdb1a9ce0e21ae7d66187022de452e740a8c0c5fee.txt b/chunks/txt/91eaa4d058063764eacd72fdb1a9ce0e21ae7d66187022de452e740a8c0c5fee.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9a623bcf2fdec3729f48021ab2e7e8aa72a4318b
--- /dev/null
+++ b/chunks/txt/91eaa4d058063764eacd72fdb1a9ce0e21ae7d66187022de452e740a8c0c5fee.txt
@@ -0,0 +1,43 @@
+**C​​onta​ct**
+
+If you have any questions or comments about the data or documents, please email [UADdata@fhfa.gov](mailto:UADdata@fhfa.gov).
+
+*Page last updated: February 4, 2025​​​​​​*
+
+- **Presentations**
+
+[Introduction to the UAD PUF](/document/intro_uad_puf_hsug_20240112.pdf) (1/12/2024)​​​
+
+**Other Data**
+
+[UAD Aggregate Statistics](/data/uad) (10/28/2024)​​​
+
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
+
+## 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/91f0d17410a8f341d9800576bb0ff960c72c1af9a77215de0eec0fff122d3c5c.txt b/chunks/txt/91f0d17410a8f341d9800576bb0ff960c72c1af9a77215de0eec0fff122d3c5c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ef9fe6e7088584407d10f25a0e1b1fab0dacd71a
--- /dev/null
+++ b/chunks/txt/91f0d17410a8f341d9800576bb0ff960c72c1af9a77215de0eec0fff122d3c5c.txt
@@ -0,0 +1,66 @@
+•
+•
+•
+•
+
+As Is
+Subject to Completion Per Plans
+Subject to Inspection
+Subject to Repair
+
+Notes:
+•
+•
+
+•
+
+•
+
+If Market Value Condition is As Is, no other conditions can be applied.
+If Recommended Action is Completion, Inspection, or Repair in the Defect,
+Damages, Deficiencies subsection, the report must be made subject to
+the resolution of the item (Market Value Condition cannot be As Is).
+If Market Value Condition is Subject to Repair, there must be at least one
+item in the Defect, Damages, Deficiencies subsection with Recommended
+Action of Repair.
+If Market Value Condition is Subject to Inspection, there must be at least
+one item in the Defect, Damages, Deficiencies subsection with
+Recommended Action of Inspection.
+
+26.013
+
+Final Value
+Condition
+Statement
+
+Displays if Market
+Value Condition is not
+As Is
+
+N/A
+
+Variations of this sentence display based on the value condition(s) provided in
+Market Value Condition.
+
+Allowable Answer
+
+As Is
+
+Market Value Condition (Choose all that apply)
+
+Definition / Additional Guidance
+
+Opinion of Market Value is based on the property in its current state as of the appraisal report effective date. The
+appraiser has not employed any hypothetical conditions or extraordinary assumptions.
+
+Note: If this answer is selected, Final Value Condition Statement (26.013) does not display, and no other conditions can be
+applied.
+
+Subject to Completion Per
+Plans
+
+Opinion of Market Value is based on the hypothetical condition that the improvements have been completed per plans
+and specifications as of the appraisal report effective date.
+
+Note: If this answer is selected, the standard Subject to Completion Per Plans language displays as part of the Final Value
+Condition Statement (26.013).
diff --git a/chunks/txt/9206cc20cce21105fbded2bd4e76420d0159d85a6826a236bf62ac287b5435f7.txt b/chunks/txt/9206cc20cce21105fbded2bd4e76420d0159d85a6826a236bf62ac287b5435f7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ba84fa8530e1e4ec0bd7d8c970a6104eb0983bc5
--- /dev/null
+++ b/chunks/txt/9206cc20cce21105fbded2bd4e76420d0159d85a6826a236bf62ac287b5435f7.txt
@@ -0,0 +1,93 @@
+Includes Closing Costs. See Calculating Cash to Close on page 3
+for details.
+6.2.2 From To Borrower
+
+Figure 74. Cash to Close for a Non-Seller Transaction – Cash to Borrower
+
+The data points providing 6.2.1 Cash to Close amount and 6.2.2 To Borrower are shown in the table below.
+Note that if cash were due from the borrower at closing, the data point CashFromBorrowerAtClosingAmount
+would be used.
+
+Table 92. Cash to Close for a Non-Seller Transaction – Cash to Borrower
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0
+Value
+
+Notes
+
+6.2.1 |
+6.2.2
+
+Cash to Close ($)
+
+…/CLOSING_INFOR
+MATION_DETAIL
+
+CashToBorrowerAt
+ClosingAmount
+
+14147.26
+
+ROF as $14,147.26
+and To Borrower
+
+□From To
+Borrower
+
+Appendix E: UCD Implementation Guide
+
+Page 107 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+7.0 - 9.0 Closing Cost Details Tables Overview - UPDATED
+
+7.0 - 9.0 CLOSING COST DETAILS TABLES OVERVIEW - UPDATED
+
+“Closing costs” are the costs to both the borrower and seller (if applicable) related to the consummation of the
+credit transaction and the closing of the real estate transaction. Table 93 identifies the Closing Disclosure
+variations that include Closing Cost Details sections.
+
+Table 93. Required Sections for each Closing Disclosure Variation -- UPDATED
+
+Form
+Field ID
+
+Form Section
+Name
+
+Purchase Transactions Only
+
+Model Form
+
+Split-Borrower Only
+
+7.0
+
+8.0
+
+9.0
+
+Loan Costs Table
+(A – D)
+
+Seller-Paid Columns Only for fees & real
+estate commissions for both agents
+
+Other Costs Table
+(E – I)
+
+Seller-Paid Columns Only for fees & real
+estate commissions for both agents
diff --git a/chunks/txt/920b31e0ea645e544a954e6499736ac9b7664b3a455fc9a337ac7642bbe467d1.txt b/chunks/txt/920b31e0ea645e544a954e6499736ac9b7664b3a455fc9a337ac7642bbe467d1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d1d2ea8e83180167aa43c253b11aa4deb2016948
--- /dev/null
+++ b/chunks/txt/920b31e0ea645e544a954e6499736ac9b7664b3a455fc9a337ac7642bbe467d1.txt
@@ -0,0 +1,32 @@
+▪ PERS Required for new projects in Florida: The message will specify that the project is required to be submitted
+for consideration under the Project Eligibility Review Service (PERS) process and must have a valid Approved by
+Fannie Mae status in CPM as of the note date.
+
+▪ Unavailable: The message will list the specific reason(s) the project has an Unavailable status in CPM. This project
+
+status will cause DU to issue an Ineligible recommendation.
+
+DU will return the following lender-specific status messages when there is no Fannie Mae decision in CPM:
+
+▪ Not Certified by Lender: The message will indicate that a Full Review with a valid Certified by Lender status is
+
+required.
+
+▪ Certified by Lender: The message will indicate that the lender currently has an active Certified by Lender status.
+
+▪ Guide Ineligible: The message will indicate that the lender currently has a Guide Ineligible status for this project in
+
+CPM, and a Full Review with a valid Certified by Lender status is required.
+
+▪ Guide Ineligible and Certified by Lender: The message will indicate that the lender currently has Certified by
+
+Lender and Guide Ineligible statuses for different phases in this project, and a Full Review with a valid Certified by
+Lender status for the project or subject phase is required.
+
+CPM Delivery Restrictions
+
+CPM delivery restrictions will be specified in the DU Underwriting Findings report. Loan casefiles that do not meet the delivery
+restrictions in place on the project, specifically exclusions on occupancy types, loan purpose, or LTV/CLTV requirements, will
+receive an Ineligible recommendation. The message will specify the delivery restriction that is causing the Ineligible
+recommendation. For example, if loans in a project are limited to certain occupancy types or LTV ratios (e.g., principal residences
+only or maximum LTV ratios of 90%), the message will specify those limitations.
diff --git a/chunks/txt/9211d7fa4f84e8ca0502b482840fd32bd8e8a9378d87490aaf68968058dcadec.txt b/chunks/txt/9211d7fa4f84e8ca0502b482840fd32bd8e8a9378d87490aaf68968058dcadec.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f8ed7e8e4d11d19999c373d2e8f4dfe30df28b3a
--- /dev/null
+++ b/chunks/txt/9211d7fa4f84e8ca0502b482840fd32bd8e8a9378d87490aaf68968058dcadec.txt
@@ -0,0 +1,122 @@
+Allowable
+Answers / Format
+
+Origin of Subject
+Property Information
+
+Adjustable
+Row
+
+Definition / Additional Guidance
+
+Income Approach: Gross Rent Multiplier Comparables
+
+Report
+Field ID
+
+24.011
+
+Proximity to
+Subject
+
+Always
+
+Required if Proximity
+to Subject is not 0
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+Direction from Subject
+to Comparable is only
+applicable to
+comparables
+
+No
+
+No
+
+No
+
+No
+
+Direction from Subject to Comparable
+•
+E
+•
+N
+•
+NE
+•
+NW
+•
+S
+•
+SE
+•
+SW
+• W
+
+Number of separate living units on the property, not counting any ADUs.
+ADUs are entered in a separate field 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 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).
+
+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.
+
+No
+
+Property Subject to Rent Control: Indicates whether the property is
+subject to rent control.
+
+24.001
+24.012
+
+Units
+Excluding
+ADUs
+
+Always
+
+Always required
+
+Number
+
+Subject Property
+•
+
+Units Excluding
+ADUs 3.005
+
+24.002
+24.013
+
+Accessory
+Dwelling Units
diff --git a/chunks/txt/921f16e390fefcb4fd001b4786935226197a1c753ba956d9921d340177a7b615.txt b/chunks/txt/921f16e390fefcb4fd001b4786935226197a1c753ba956d9921d340177a7b615.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ab5684fa945b898d648a8c6872e3d4d9006af6be
--- /dev/null
+++ b/chunks/txt/921f16e390fefcb4fd001b4786935226197a1c753ba956d9921d340177a7b615.txt
@@ -0,0 +1,127 @@
+APPRAISER
+CERTIFICATION
+
+Appraiser
+Expiration Date of Certifiction or
+License
+
+Appraiser License
+Expiration Date
+
+The expiration date of the appraiser's
+license.
+
+/VALUATION_RESPONSE/PARTIES/APPRAISER/APPRAISER_LICENSE/
+@_ExpirationDate
+
+506
+
+6
+
+19
+
+APPRAISER
+CERTIFICATION
+
+ADDRESS OF PROPERTY
+APPRAISED
+
+Property Street
+Address
+
+The unstructured (Unparsed) street
+address of the subject property (e.g., 123
+Main Street).
+
+/VALUATION_RESPONSE/PROPERTY/@_StreetAddress
+
+70
+
+2
+
+10
+
+50
+
+55
+
+10
+
+10
+
+50
+
+50
+
+25
+
+2
+
+12
+
+45
+
+507
+
+6
+
+20a
+
+APPRAISER
+CERTIFICATION
+
+Unit #
+
+Unit Identifier
+
+The identification of the unit.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/_UNIT/@UnitIdentifier
+
+12
+
+String
+
+String
+
+String
+
+String
+
+String
+
+String
+
+Should conform to USPS (Pub 28). The following address element should be included
+in this field:
+• City
+
+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:
+• USPS two-letter state or territory representation
+
+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
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+This field should contain the entire telephone number, including area code.
+
+Free text – should contain the appraiser's email address.
+
+Date/Time
+
+Data Format:
+yyyy-mm-dd
+
+PDF Display Format:
+mm/dd/yyyy
+
+UAD Requirement - Refer to Appendix D Appraiser Certification Section
+Note: This data is referenced more than once on the form (field 3-133) and must be
+represented consistently.
diff --git a/chunks/txt/92242f6e2d1bddeeff2322b27e13fd3073c53409807f5cd63c4820d301dc9745.txt b/chunks/txt/92242f6e2d1bddeeff2322b27e13fd3073c53409807f5cd63c4820d301dc9745.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8b9769fc643419ef16169bb38498fc6e22f9e1a6
--- /dev/null
+++ b/chunks/txt/92242f6e2d1bddeeff2322b27e13fd3073c53409807f5cd63c4820d301dc9745.txt
@@ -0,0 +1,92 @@
+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.
+
+/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier
+
+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.
+
+5
+
+6
+
+7
+
+8
+
+9
+
+10
+
+SALES
+COMPARISON
+APPROACH
+SALES
+COMPARISON
+APPROACH
+SALES
+COMPARISON
+APPROACH
+SALES
+COMPARISON
+APPROACH
+SALES
+COMPARISON
+APPROACH
+SALES
+COMPARISON
+APPROACH
+
+Number of Comparable Listings
+
+Comparable Listings
+Researched Count
+
+Specifies the total number of comparable
+property listings researched.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/RESEARCH/@ComparableListingsResearchedCount
+
+Comparable Listings Price
+Range
+Low
+Comparable Listings Price
+Range
+High
+
+Comparable Listings
+Price Range Low
+Amount
+Comparable Listings
+Price Range High
+Amount
+
+Specifies the low listing value in the
+range of values within the group of
+comparable listing properties researched.
+Specifies the high listing value in the
+range of values within the group of
+comparable listing properties researched.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/RESEARCH/@ComparableListingsPriceRangeLowAmount
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/RESEARCH/@ComparableListingsPriceRangeHighAmount
diff --git a/chunks/txt/922bb4d0bc29540eb89afef61ee2df82cd01caf44b1e94ae6408eb0fa4f51010.txt b/chunks/txt/922bb4d0bc29540eb89afef61ee2df82cd01caf44b1e94ae6408eb0fa4f51010.txt
new file mode 100644
index 0000000000000000000000000000000000000000..638adb6f2d3d35aa4ea6553f8a85961e133d2e3c
--- /dev/null
+++ b/chunks/txt/922bb4d0bc29540eb89afef61ee2df82cd01caf44b1e94ae6408eb0fa4f51010.txt
@@ -0,0 +1,165 @@
+Vehicle Storage
+
+Type | Spaces | Detail
+
+Summary
+
+List Price
+
+Contract Price
+
+Sale Price
+
+Net Adjustment Total
+
+Price Per Finished Area
+Above Grade
+
+Adjusted Price
+
+Comparable Weight
+
+Driveway | 4 | Asphalt
+Garage | 3 | Attached 626 Sq. Ft.
+
+Driveway | 4 | Asphalt
+Garage | 3 | Attached
+
+Driveway | 4 | Asphalt
+Garage | 2 | Attached
+
+Driveway | 4 | Asphalt
+Garage | 3 | Attached
+
+$10,000
+
+$895,000
+
+$895,000
+
+$905,000
+
+—
+
+$905,000
+
+$(5,500)
+
+$566
+
+$899,500
+
+Less
+
+$827,000
+
+—
+
+$835,000
+
+$83,650
+
+$619
+
+$918,650
+
+Less
+
+$899,000
+
+—
+
+$905,000
+
+$(12,250)
+
+$548
+
+$892,750
+
+Most
+
+Indicated Value by Sales Comparison Approach
+
+Indicated Value
+
+$900,000
+
+Appraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)
+
+Uniform Residential Appraisal Report
+
+Page 16 of 24
+Page 16 of 24
+
+Sales Comparison Approach (continued)
+
+General Information
+
+Property Address
+
+Subject Property
+
+Comparable #4
+
+8675309 Jenny Ln
+Anytown, IL 54321
+
+23412 Josephine St
+Anytown, IL 54321
+
+This is where the Dwelling
+Front photo would display.
+
+This is where the
+Comparable 4 photo
+would display.
+
+Data Source
+
+Proximity to Subject
+
+List Price
+
+Listing Status
+
+Contract Price
+
+Sale Price
+
+Transfer Terms
+
+Financing Type
+
+Sales Concessions
+
+Contract Date
+
+Sale Date
+
+Days on Market
+
+Attached/Detached
+
+Property Rights Appraised
+
+Same Builder as Subject
+
+Project Information
+
+Project Name | Same
+Project as Subject
+
+Monthly Fee
+
+Common Amenities/Services
+
+Site
+
+Site Owned in Common
+
+Site Size
+
+Neighborhood Name
+
+Site Influence (Location)
diff --git a/chunks/txt/923a5129f97173333de76b9f0e4156a895356af04764cf2cf49e216f6cfba913.txt b/chunks/txt/923a5129f97173333de76b9f0e4156a895356af04764cf2cf49e216f6cfba913.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bf88d98be71f30c73c6c1941e1fdbc8e586fff20
--- /dev/null
+++ b/chunks/txt/923a5129f97173333de76b9f0e4156a895356af04764cf2cf49e216f6cfba913.txt
@@ -0,0 +1,87 @@
+Uniform Appraisal Dataset (UAD) Specification
+
+Issued by Fannie Mae and Freddie Mac
+Appendix B-2: Restricted Appraisal Update Report Implementation Guide
+Document Version 1.3
+June 10, 2025
+
+Revision History
+
+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 Freddie Mac and Fannie Mae. Trademarks of the respective owners.
+
+Page 2
+
+Date
+
+Version
+Number
+
+Change #
+
+iGuide Chapter
+
+Revision Description
+
+06/10/2025
+
+1.3
+
+2025-021
+
+Subject Property
+
+Clarified PropertyPhoto display rules
+
+09/17/2024
+
+1.2
+
+2024-028
+
+Header and Footer
+
+Updated DocumentFormIssuingEntityVersionIdentifier
+
+2024-044
+
+Header and Footer
+
+Added information for allowing additional text in the footer
+
+12/12/2023
+
+1.1
+
+2023-003
+
+Certifications and Scope of
+Work
+
+Updated predefined text for Scope of Work
+Updated Appraiser Cert 13
+Updated Supervisory Appraiser Certs
+
+2023-061
+
+Header and Footer
+
+Updated DocumentFormIssuingEntityVersionIdentifier
+
+03/29/2023
+
+1.0
+
+Initial Publication
+
+Page 3
+
+Table of Contents
+
+Revision History _____________________________________________________________________________________________________________ 1
+
+Table of Contents ____________________________________________________________________________________________________________ 3
+
+Introduction ________________________________________________________________________________________________________________ 5
+
+Overview __________________________________________________________________________________________________________________ 5
diff --git a/chunks/txt/9244d8b1ae6769d5297dc907cd9fb7fdf9615ed51c9380cce75600ea6dfc02c7.txt b/chunks/txt/9244d8b1ae6769d5297dc907cd9fb7fdf9615ed51c9380cce75600ea6dfc02c7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b4922875efc8a61fc18164de33ba6c86011f1486
--- /dev/null
+++ b/chunks/txt/9244d8b1ae6769d5297dc907cd9fb7fdf9615ed51c9380cce75600ea6dfc02c7.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
+
+# Underserved Areas Data
+
+## Breadcrumb
+
+- [Home](/)
+ - [FHFA Data](/data)
+ - Underserved Areas Data
+
+## Low-Income Areas 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" as: (a) census tracts or block numbering areas in which the median income does not exceed 80 percent of area median income (AMI), (b) families with income not greater than 100 percent of AMI who reside in minority census tracts, and (c) 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. Census tract level data identifying these areas are available below for 2010 and 2011 based on 2000 Census tract geography, for 2012 through 2021 based on 2010 Census tract geography, and for 2022 and subsequent years based on 2020 Census tract geography.
diff --git a/chunks/txt/925080a25a4aef0d51301ede0179903335f1864a5fb9c52baa6f6cdae66e6db9.txt b/chunks/txt/925080a25a4aef0d51301ede0179903335f1864a5fb9c52baa6f6cdae66e6db9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d850fec76cbbeeecb83755410555b55d2b582f3c
--- /dev/null
+++ b/chunks/txt/925080a25a4aef0d51301ede0179903335f1864a5fb9c52baa6f6cdae66e6db9.txt
@@ -0,0 +1,57 @@
+SB4-1.3-05, Dwelling Exterior, Unit Interior, and
+Outbuilding Sections of the Appraisal Report
+(06/04/2025)
+
+B4-1.3-06, Property Condition and Quality of
+Construction of the Improvements (06/04/2025)
+
+SB4-1.3-06, Dwelling Condition and Quality of
+Construction (06/04/2025)
+
+B4-1.3-07, Sales Comparison Approach Section of
+the Appraisal Report (06/04/2025)
+
+SB4-1.3-07, Sales Comparison Approach Section of
+the Uniform Residential Appraisal Report
+(06/04/2025)
+
+B4-1.3-08, Comparable Sales (06/04/2025)
+
+SB4-1.3-08, Comparable Sales (06/04/2025)
+
+B4-1.3-09, Adjustments to Comparable Sales
+(06/04/2025)
+
+SB4-1.3-09, Adjustments to Comparable Sales
+(06/04/2025)
+
+B4-1.3-10, Cost and Income Approach to Value
+(06/04/2025)
+
+SB4-1.3-10, Cost and Income Approaches to Value
+(06/04/2025)
+
+B4-1.3-11, Valuation Analysis and Reconciliation
+Report (06/04/2025)
+
+SB4-1.3-11, Valuation Analysis and Reconciliation
+(06/04/2025)
+
+B4-1.3-12, Appraisal Quality Matters (09/03/2025)
+
+SB4-1.3-12, Appraisal Quality Matters (09/03/2025)
+
+B4-1.4-01, Factory-Built Housing: Manufactured
+Housing (09/03/2025)
+
+SB4-1.4-01, Factory-Built Housing: Manufactured
+Housing (09/03/2025)
+
+B4-1.4-05, Leasehold Interests Appraisal
+Requirements (06/04/2025)
+
+SB4-1.4-05, Leasehold Interests Appraisal
+Requirements (06/04/2025)
+
+B4-1.4-06, Community Land Trust Appraisal
+Requirements (06/04/2025)
diff --git a/chunks/txt/9258b0f1f33821778faefce24bd73e0be5baf715e9144d5aeb402033b4995d05.txt b/chunks/txt/9258b0f1f33821778faefce24bd73e0be5baf715e9144d5aeb402033b4995d05.txt
new file mode 100644
index 0000000000000000000000000000000000000000..66ceea5def84933d872e5ebf71b01c9a325c8c09
--- /dev/null
+++ b/chunks/txt/9258b0f1f33821778faefce24bd73e0be5baf715e9144d5aeb402033b4995d05.txt
@@ -0,0 +1,162 @@
+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: Water Frontage (For Each Body of Water With Private Access)
+
+22.04.01
+22.04.06
+
+Water
+Frontage
+
+Required for each
+body of water with
+private access
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+When the
+subject or any
+comparable
+has private
+access to one
+or more
+bodies of
+water
+
+Site
+•
+
+Body of Water
+Type 4.034
+
+No
+
+Bay
+Canal
+Cove
+Creek
+Gulf
+Lake
+
+•
+•
+•
+•
+•
+•
+• Marsh
+•
+Ocean
+•
+Pond
+•
+Reservoir
+•
+River
+•
+Sound
+•
+Other (Describe)
+
+Notes:
+•
+
+If the property has water frontage on multiple bodies of water,
+they display in the same cell separated by “|”.
+
+• When included, provides support for the Water Frontage with
+
+Private Access adjustment (22.04.05).
+
+Appendix F-1: URAR Reference Guide
+
+Page 235 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: Water Frontage (For Each Body of Water With Private Access)
+
+22.04.01
+22.04.06
+
+Water
+Frontage
+
+22.04.01
+22.04.06
+
+Water
+Frontage
+
+When subject
+or any
+comparable
+has private
+access to one
+or more
+bodies of
+water
+
+When subject
+or any
+comparable
+has private
+access to one
+or more
+bodies of
+water
+
+If relevant for each
+body of water with
+private access
diff --git a/chunks/txt/9262dce083a6f148b2d7c9e8066b29dbd0d696c5c31552a5c8c797bd2913ce6f.txt b/chunks/txt/9262dce083a6f148b2d7c9e8066b29dbd0d696c5c31552a5c8c797bd2913ce6f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7bc3f2956625cda8828e399f10d16e7bb3147ec4
--- /dev/null
+++ b/chunks/txt/9262dce083a6f148b2d7c9e8066b29dbd0d696c5c31552a5c8c797bd2913ce6f.txt
@@ -0,0 +1,85 @@
+0–90 days
+09/20/2019
+
+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.
+
+Reconciliation of Market Value
+
+Utilize this subsection for additional commentary as required by USPAP.
+
+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 18 of 21
+Page 18 of 21
+
+Reconciliation (continued)
+
+Apparent Defects, Damages, Deficiencies
+
+The items listed below represent the As Is condition as of the effective date of this report
+
+Feature
+Dwelling Exterior
+
+Location
+
+Description
+
+Roof
+
+Section of Roof
+
+Roof is significantly worn and has
+damaged flashing, but no apparent
+active leaks.
+
+Affects Soundness
+or Structural
+Integrity
+
+Recommended
+Action
+
+Estimated Cost to
+Repair
+
+Yes
+
+Repair
+
+$1,500
+
+Unit Interior
+
+Flooring
+
+Dining Room
+
+Carpet is stained in one corner of the
+Dining Room.
+
+No
+
+None
+
+Total Cost
+
+$1,500
+
+As Is Overall Condition Rating
+
+C5
+
+Existing condition of the property as of the effective date of this
+appraisal, excluding all required repairs, alterations, or inspections
+
+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 19 of 21
+Page 19 of 21
diff --git a/chunks/txt/926ae8859df3c17183f64100edcf99886a840cee63387a0d8a1b32d369549157.txt b/chunks/txt/926ae8859df3c17183f64100edcf99886a840cee63387a0d8a1b32d369549157.txt
new file mode 100644
index 0000000000000000000000000000000000000000..82b902a465e07723f8d838896c1e50bee307c656
--- /dev/null
+++ b/chunks/txt/926ae8859df3c17183f64100edcf99886a840cee63387a0d8a1b32d369549157.txt
@@ -0,0 +1,49 @@
+field.
+
+Identification of Data Term Name Change from Previous Version
+Data Point: LoanProgramAffordableIndicator
+Definition: When true, indicates that the loan is classified as an affordable loan by
+
+the lender or the investor.
+
+App Info: Deprecated: replaced with Loan Affordable Indicator.
+
+Notes: The App Info column provides additional information about the use or
+
+history of the data point.
+
+6. Type
+
+Every data point has an associated MISMO data “Type,” which is consistent with the
+data point’s Class Word. The Type identifies the category of information this data
+point represents. There are more than 20 Types in the V3.0 Reference Model, ranging
+from Amount to Numeric to Year. In the LDD, data points with enumerated lists--
+ending in a Class Word of “Type”--have a Type of <DataPointNameEnumerated>.
+
+ULDDS Appendix A uses a subset of the MISMO data Types. These are identified
+and defined in Section I in the “Format” row of the XML Data Points Table Column
+Headings and Descriptions table.
+
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 14 of 76
+
+Section III. Using the MISMO v3.0 Logical Data Dictionary
+
+Example III-7. MISMO LDD Data Point Type.
+
+Data Point: PropertyValuationAmount
+Definition: Statement of property’s value from a valid property valuation source.
+Type: MISMOAmount
+
+Data Point: AttachmentType
+
+Definition: Specifies the type of physical attachment, if any, between the
+dwelling unit and adjacent dwelling units.
+
+Enumerations:
+ Attached
+ Detached
+ SemiDetached
diff --git a/chunks/txt/927ad0dbb0a70cc48dce22b79d00c7f3c7be9c1396f4a90fc4f357e3ede8bb04.txt b/chunks/txt/927ad0dbb0a70cc48dce22b79d00c7f3c7be9c1396f4a90fc4f357e3ede8bb04.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3b46c71c70cfb55a581c5e50706d289310229074
--- /dev/null
+++ b/chunks/txt/927ad0dbb0a70cc48dce22b79d00c7f3c7be9c1396f4a90fc4f357e3ede8bb04.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/mortgage-translations"
+date_accessed: "2026-01-27T17:54:20.736Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/927f68bb7f9aea3060536a0918aa9e741c8a3fcebdcedf98f6b672d0f7923aef.txt b/chunks/txt/927f68bb7f9aea3060536a0918aa9e741c8a3fcebdcedf98f6b672d0f7923aef.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a9c383f4880a230dbd1c3ab00047bdd204857cf0
--- /dev/null
+++ b/chunks/txt/927f68bb7f9aea3060536a0918aa9e741c8a3fcebdcedf98f6b672d0f7923aef.txt
@@ -0,0 +1,7 @@
+Freddie Mac Form 70H July 2020
+
+226
+
+Page 6 of 6
+
+Fannie Mae Form 1004 Hybrid July 2020
diff --git a/chunks/txt/927fcc09525752042f34056f7f50c51c7365018d1b2564fdace3b1d002bdcd06.txt b/chunks/txt/927fcc09525752042f34056f7f50c51c7365018d1b2564fdace3b1d002bdcd06.txt
new file mode 100644
index 0000000000000000000000000000000000000000..05f97c0bcd49d0f860a3dfc0bb72cdbadb310405
--- /dev/null
+++ b/chunks/txt/927fcc09525752042f34056f7f50c51c7365018d1b2564fdace3b1d002bdcd06.txt
@@ -0,0 +1,25 @@
+###### 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)
+
+## Footer menu
+
+- [Suppliers](https://www.fanniemae.com/portal/suppliers/index.html)
+ - [Careers](https://careers.fanniemae.com/main)
+ - [Contact Us](https://www.fanniemae.com/portal/about-fm/sf-mf-contacts.html)
+ - [Legal](https://www.fanniemae.com/about-us/legal-disclosure)
+ - [Privacy](https://www.fanniemae.com/about-us/corporate-governance/online-privacy-notice)
+ - [Cookie Preferences](javascript:void(0);)
diff --git a/chunks/txt/9292ef8c6a42e3c1634d6a1e38f0211977ae895c872a837de0680ff27390e38c.txt b/chunks/txt/9292ef8c6a42e3c1634d6a1e38f0211977ae895c872a837de0680ff27390e38c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3aff62baccd65ba4b0d25674a709e6fbd6beada2
--- /dev/null
+++ b/chunks/txt/9292ef8c6a42e3c1634d6a1e38f0211977ae895c872a837de0680ff27390e38c.txt
@@ -0,0 +1,58 @@
+ Used in: INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE as:
+
+AdjustmentRuleType
+
+ Used in:
+
+PRINCIPAL_AND_INTEREST_PAYMENT_PER_CHANGE_ADJUSTMENT_RULE
+as: AdjustmentRuleType
+
+ Used in:
+
+PRINCIPAL_AND_INTEREST_PAYMENT_PERIODIC_ADJUSTMENT_RULE as:
+AdjustmentRuleType
+
+ Used in: RATE_OR_PAYMENT_CHANGE_OCCURRENCE as:
+
+AdjustmentRuleType
+
+Notes: The data point AdjustmentRuleType is used in four different containers.
+
+f
+
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 18 of 76
+
+Section III. Using the MISMO v3.0 Logical Data Dictionary
+
+a. Reusable Data Points in Unique Containers
+
+If the data point is re-used in uniquely named containers, as is the case with
+AdjustmentRuleType in the example above, then all that is needed is the parent
+container name to uniquely identify the data point.
+
+Example III-11. Repeatable Data Points in Unique Containers.
+
+
+
+INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE: AdjustmentRuleType --
+Specifies whether the occurrence of the adjustment is the first change or a
+subsequent change.
+
+ PRINCIPAL_AND_INTEREST_PAYMENT_PER_CHANGE_ADJUSTMENT_RULE:
+
+AdjustmentRuleType -- Specifies whether the occurrence of the adjustment is
+the first change or a subsequent change.
+
+Notes: Indication of the unique parent container is enough to accurately define
+
+these repeatable data points.
+
+b. Reusable Data Points in Reusable Containers
+
+If the data point is re-used within a reusable container, then the full XPath of the
+data point must be known in order to accurately interpret its meaning. See Section
+IV-C. XPath-V3.0 Reference Model Navigation for an explanation of XPath.
diff --git a/chunks/txt/92931883740086432394b76104f135f75064abdccbf01e77a4ec42d57cf52950.txt b/chunks/txt/92931883740086432394b76104f135f75064abdccbf01e77a4ec42d57cf52950.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7acc659874c92e62a9e85d713c5a7b2ea61da6fd
--- /dev/null
+++ b/chunks/txt/92931883740086432394b76104f135f75064abdccbf01e77a4ec42d57cf52950.txt
@@ -0,0 +1,100 @@
+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
+
+COST APPROACH Replacement Cost
+
+Cost Analysis Type
+
+/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS
+IS[@_Type=‘Replacement’]
+
+/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS
+IS/@DataSourceDescription
+
+/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS
+IS/@CostServiceQualityRatingDescription
+
+/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS
+IS/COST_ANALYSIS_EXTENSION[@ExtensionSectionOrganizationNam
+e='UNIFORM APPRAISAL
+DATASET']/COST_ANALYSIS_EXTENSION_SECTION_DATA/COST
+_APPROACH_DATA_SOURCE/@GSECostDataSourceEffectiveDateDesc
+ription
+
+1
+
+20
+
+10
+
+Enumerated
+
+String
+
+String
+
+12
+
+String
+
+/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS
+IS/@_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.
+
+No more than one of fields 3-7, 3-8 (values of
+Cost Analysis Type) may be indicated.
+
+Specifies the type cost analysis
+performed. (e.g. whether it was for
+Replacement Costs or Reproduction
+A free-form text field used to describe the
+source of information.
+Specifies the quality rating of the
+itemized building cost information
+provided by the cost estimating service.
+
+Data Source
+Description
+
+Cost Service Quality
+Rating Description
+
+GSE Cost Data
+Source Effective
+Date Description
+
+The effective date of the cost data
+provided by the construction cost service
+used to determine the cost approach to
+value.
diff --git a/chunks/txt/929572adca29e2a5e441dc27bc6291bf7fbb8f3ef734a5553994360538cd5d47.txt b/chunks/txt/929572adca29e2a5e441dc27bc6291bf7fbb8f3ef734a5553994360538cd5d47.txt
new file mode 100644
index 0000000000000000000000000000000000000000..451ed6cc991d6392e6145bc32c953f581cfb0072
--- /dev/null
+++ b/chunks/txt/929572adca29e2a5e441dc27bc6291bf7fbb8f3ef734a5553994360538cd5d47.txt
@@ -0,0 +1,3 @@
+Unit(s) ....................................................................................................................................................................................................................................... 286
+
+Quality and Condition (Ratings: 1-6, 1 is highest) .................................................................................................................................................................... 287
diff --git a/chunks/txt/92c1015d0cc22c733b50894b2dd7c7d9ebbacea0c2bd4d725d7047524ce53aca.txt b/chunks/txt/92c1015d0cc22c733b50894b2dd7c7d9ebbacea0c2bd4d725d7047524ce53aca.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e67ebad16aba6b25fce0f225e41bbdd5d090664c
--- /dev/null
+++ b/chunks/txt/92c1015d0cc22c733b50894b2dd7c7d9ebbacea0c2bd4d725d7047524ce53aca.txt
@@ -0,0 +1,30 @@
+Desktop Underwriter/Desktop Originator Release Notes
+DU Version 11.1 Feb. Update
+
+Dec. 13, 2023
+
+During the weekend of Feb. 10, 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 Feb. 10, 2024.
+
+The changes in this release include the following:
+▪ Rent Payment Identification on Third-Party Asset Reports
+▪ Updates to Align with the Selling Guide
+
+Rent Payment Identification on Third-Party Asset Verification Reports
+
+We continue to fine-tune the logic that identifies the rent payment history on a 12-month third-party asset verification report
+(“asset verification report”). Based on recent observations, updates will be made to improve DU’s ability to identify a rent
+payment history within the asset verification report for use in the credit risk assessment.
+
+Note: As continued analysis on this logic is performed, future updates will be made as necessary, and will be communicated
+in advance of the update being made in DU.
+
+Updates to Align with the Selling Guide
+
+Self-Employment Documentation
+
+Selling Guide Announcement SEL-2023-09 updated the policy that permits one year of personal and business tax returns for self-
+employed borrowers. DU was updated to begin issuing new self-employed documentation messages supporting this policy
+change for DU Version 11.1 loan casefiles created on or after Jan. 1, 2024, when the borrower’s primary job was self-employed. DU
+will now be updated to also issue the new messages when any job is self-employed, primary or secondary.
diff --git a/chunks/txt/92c39cbacedf98fb4d46035a81b9f44fa3874d46586a796a0578a149c6a86401.txt b/chunks/txt/92c39cbacedf98fb4d46035a81b9f44fa3874d46586a796a0578a149c6a86401.txt
new file mode 100644
index 0000000000000000000000000000000000000000..35c93d997acd829be82d8de00ddf4d7ed7c72a0e
--- /dev/null
+++ b/chunks/txt/92c39cbacedf98fb4d46035a81b9f44fa3874d46586a796a0578a149c6a86401.txt
@@ -0,0 +1,97 @@
+This field occurs on every page of the form and must be consistent. The
+placement of the header on the form varies from vendor to vendor. The print
+reference placement on Appendix C is not required and is for illustrative
+purposes only.
+
+This field may not exist in all forms vendor
+software.
+
+This field may not exist in all forms vendor
+software.
+
+String
+
+String
+
+String
+
+String
+
+APPRAISER
+CERTIFICATION
+
+Appraiser
+Company Address
+
+Appraiser Street
+Address
+
+The street address of the appraiser.
+
+/VALUATION_RESPONSE/PARTIES/APPRA
+ISER/@_StreetAddress
+
+50
+
+String
+
+APPRAISER
+CERTIFICATION
+
+Appraiser
+Company Address
+(Line 2)
+
+APPRAISER
+CERTIFICATION
+
+Appraiser
+Company Address
+(Line 2)
+
+Appraiser City
+
+The city in which the address of the
+appraiser is located.
+
+/VALUATION_RESPONSE/PARTIES/APPRA
+ISER/@_City
+
+70
+
+String
+
+Appraiser State
+
+The state in which the address of the
+appraiser is located.
+
+/VALUATION_RESPONSE/PARTIES/APPRA
+ISER/@_State
+
+2
+
+String
+
+Should 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)
+• Address unit designator and number (if applicable)
+
+Should conform to USPS (Pub 28). The following address element should be
+included in this field:
+• City
+
+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:
+• USPS two-letter state or territory representation
+
+APPRAISER
+CERTIFICATION
+
+Appraiser
+Company Address
+(Line 2)
diff --git a/chunks/txt/92c7cf576d77ad2c53adaa6a53130f373f96cfe9f869d86b76bad6e70a468fa1.txt b/chunks/txt/92c7cf576d77ad2c53adaa6a53130f373f96cfe9f869d86b76bad6e70a468fa1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..66bf8d3689776469cf86bc5a6c2e2faa8fee1d90
--- /dev/null
+++ b/chunks/txt/92c7cf576d77ad2c53adaa6a53130f373f96cfe9f869d86b76bad6e70a468fa1.txt
@@ -0,0 +1,24 @@
+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.
+
+21. I personally prepared conclusions and opinions about the real estate that were set forth in this appraisal report. [Contact Name(s)]
+provided significant real property appraisal assistance in the development of this report. I certify that any individual so named is qualified to
+perform the assistance.
+
+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.
+
+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/92f31d10da70719d9c860d457d8c48fb04a1cb9c5f4c69fcec85256c8a58d33e.txt b/chunks/txt/92f31d10da70719d9c860d457d8c48fb04a1cb9c5f4c69fcec85256c8a58d33e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..acc084e588a353eb6c67d356663f788715cc9244
--- /dev/null
+++ b/chunks/txt/92f31d10da70719d9c860d457d8c48fb04a1cb9c5f4c69fcec85256c8a58d33e.txt
@@ -0,0 +1,76 @@
+▪ UCD v2.0 Tab 9 –
+ucd:FeeItemType
+Enumerations.
+
+▪ UCD v2.0 Tab 8 –
+Enumerations for
+all deleted
+FeeType
+enumerations.
+
+© 2025 Fannie Mae and Freddie Mac. Trademarks are the property of their respective owners.
+
+December 2025
+
+3
+
+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.
+
+Change
+
+Description
+
+Potential Impact
+
+Additional
+Information
+
+© 2025 Fannie Mae and Freddie Mac. Trademarks are the property of their respective owners.
+
+December 2025
+
+4
+
+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.
+
+Change
+
+Description
+
+Potential Impact
+
+New Critical/Fatal
+UCD Specification
+Version Edits
+
+Continue to support
+Qualified Mortgage
+(QM) Requirements
+
+▪ During the transition period to UCD v2.0
+in the production environment, UCD
+XML files may continue in the UCD v1.5
+format OR may use the UCD v2.0
+format.
+
+▪ Files that combine the two Specification
+formats will result in a “Not Successful”
+or “Not Satisfied” submission status.
+
+▪ The transition to the UCD v2.0 file format must
+be done all at one time. UCD XML files must
+include the DataVersionIdentifier = “UCD2.0”
+and the EXTENSION to FEE_DETAIL.
+
+▪ UCD XML files that contain both FeeType and
+
+ucd:FeeItemType data points will not be
+accepted. New critical/fatal edits will prevent
+files that combine data points from both UCD
+v1.5 and UCD v2.0.
+
+▪ The conditionality details for
+
+▪ To respond to industry questions, the GSEs clarified
diff --git a/chunks/txt/92fb0830611bbb1d480837020cef0ed6f41fb362f3d233b56d7ae5ed579ed3de.txt b/chunks/txt/92fb0830611bbb1d480837020cef0ed6f41fb362f3d233b56d7ae5ed579ed3de.txt
new file mode 100644
index 0000000000000000000000000000000000000000..718225603289e68be34bbcc2e3c45e1049df73b9
--- /dev/null
+++ b/chunks/txt/92fb0830611bbb1d480837020cef0ed6f41fb362f3d233b56d7ae5ed579ed3de.txt
@@ -0,0 +1,18 @@
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
+
+## Footer
+
+- [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
+
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/1061","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/930444e9995ca5728ef3a9b47da1ec28da19e6fb40ff7b46e2aeed8ceab1dd31.txt b/chunks/txt/930444e9995ca5728ef3a9b47da1ec28da19e6fb40ff7b46e2aeed8ceab1dd31.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e49463bb149c54ee25264d4a1da605e48d500bb9
--- /dev/null
+++ b/chunks/txt/930444e9995ca5728ef3a9b47da1ec28da19e6fb40ff7b46e2aeed8ceab1dd31.txt
@@ -0,0 +1,21 @@
+Signature
+
+Appraiser
+Agatha Appraiser
+Agatha Appraiser
+
+09/08/2019
+
+Date of Signature and Report
+
+Level
+ID
+State
+Expires
+
+Certified Residential
+XYZ12345
+VA
+12/31/2019
+
+Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024
diff --git a/chunks/txt/9304debe196ef65a25bc04fc2e323e2522059b54fb6a09abe81e3259e1a532f6.txt b/chunks/txt/9304debe196ef65a25bc04fc2e323e2522059b54fb6a09abe81e3259e1a532f6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e9e3d576fa9a48e6ffce2f1391651e41f8b9aa58
--- /dev/null
+++ b/chunks/txt/9304debe196ef65a25bc04fc2e323e2522059b54fb6a09abe81e3259e1a532f6.txt
@@ -0,0 +1,130 @@
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+35
+
+36
+
+37
+
+38
+
+39
+
+40
+
+41
+
+42
+
+43
+
+APPRAISER
+CERTIFICATION
+
+Supervisory 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/SUPERVISOR/APPRAISER_LICE
+NSE[@_Type=‘License’]/@_Identifier
+
+25
+
+String
+
+UAD Requirement – Refer to Appendix D Appraiser Certification Section
+
+APPRAISER
+CERTIFICATION
+
+Supervisory Appraiser
+State
+
+Appraiser License
+State
+
+The state in which the appraiser is
+licensed.
+
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICE
+NSE/@_State
+
+2
+
+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
+
+APPRAISER
+CERTIFICATION
+
+Supervisory Appraiser
+Expiration Date of Certification
+or License
+
+Appraiser License
+Expiration Date
+
+The expiration date of the appraiser's
+license.
+
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/APPRAISER_LICE
+NSE/@_ExpirationDate
+
+10
+
+Date/Time
+
+Data Format:
+yyyy-mm-dd
+
+APPRAISER
+CERTIFICATION
+
+Did not inspect exterior of
+subject property
+
+Appraisal Inspection
+Type
+
+Specifies the extent of the property
+inspection.
+
+APPRAISER
+CERTIFICATION
+
+Did inspect exterior of subject
+property from street
+
+Appraisal Inspection
+Type
+
+Specifies the extent of the property
+inspection.
+
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@A
+ppraisalInspectionPropertyType=‘Subject’ and
+@AppraisalInspectionType=‘None’]
+
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@A
+ppraisalInspectionPropertyType=‘Subject’ and
+@AppraisalInspectionType=‘ExteriorOnly’]
diff --git a/chunks/txt/930a3f2bc44c736f9e93a928f8505cdbcd455e543035de3811cf741b47cae8e1.txt b/chunks/txt/930a3f2bc44c736f9e93a928f8505cdbcd455e543035de3811cf741b47cae8e1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7b614a3ac0aa448c372aa9dbdb6b43da45ddcdb7
--- /dev/null
+++ b/chunks/txt/930a3f2bc44c736f9e93a928f8505cdbcd455e543035de3811cf741b47cae8e1.txt
@@ -0,0 +1,32 @@
+Contents
+Document Updates.......................................................................................................................... ii
+Document Version and Revision History ...................................................................................... iii
+Contents ......................................................................................................................................... iv
+I. Introduction ................................................................................................................................ 6
+A. Context for the User Guide ................................................................................................. 6
+B. Purpose of the User Guide.................................................................................................. 6
+C. Overview of the MISMO Data Standard ............................................................................ 7
+D. Overview of ULDDS and ULDD Documentation.............................................................. 8
+1. Uniform Loan Delivery Data Specification.................................................................. 8
+2. GSE-Specific Implementation Guides.......................................................................... 9
+3. Updates to ULDDS and ULDD Documentation .......................................................... 9
+E. Overview of the User Guide ............................................................................................... 9
+II. Source of the MISMO Standard................................................................................................. 7
+A. The MISMO Organization ................................................................................................... 7
+B. MISMO Standard Developers............................................................................................. 7
+III. Using the MISMO v3.0 Logical Data Dictionary..................................................................... 8
+A. The V30_B263-12_LDDReport ......................................................................................... 8
+1. Data Point....................................................................................................................... 8
+2. Definition ...................................................................................................................... 9
+3. Enumeration : Explanation ......................................................................................... 10
+4. Enumeration: -- URN Suffix....................................................................................... 13
+5. App Info ...................................................................................................................... 13
+6. Type .............................................................................................................................. 14
+7. Sensitive Information.................................................................................................. 17
+8. URN ............................................................................................................................ 18
+9. Context........................................................................................................................ 18
+B. Containers ......................................................................................................................... 19
+1. Container....................................................................................................................... 19
+2. Definition .................................................................................................................... 20
+3. URN .............................................................................................................................. 21
+4.
diff --git a/chunks/txt/930b6f94b0afe2cf53e268f8406b293c025c8e6ec44ff1bf4001df8825f655f4.txt b/chunks/txt/930b6f94b0afe2cf53e268f8406b293c025c8e6ec44ff1bf4001df8825f655f4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0651879d984616ba8fd480fc7ddfb8ecbd9914e2
--- /dev/null
+++ b/chunks/txt/930b6f94b0afe2cf53e268f8406b293c025c8e6ec44ff1bf4001df8825f655f4.txt
@@ -0,0 +1,129 @@
+If relevant
+
+Heating System Type is
+not reported for
+comparables
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+guidance column
+
+Appendix F-1: URAR Reference Guide
+
+Page 271 of 375
+
+No
+
+No
+
+No
+
+No
+
+No
+
+No
+
+No
+
+•
+
+•
+
+Include this row in the sales comparison grid when the specific
+breakdown between finished and unfinished area for the
+comparables is available and needed to support conclusions.
+Indicate in Reconciliation of Sales Comparison Approach (22.16.01)
+if area is estimated for the comparable.
+
+The total volume of the outbuilding, including finished and unfinished
+areas. When applicable, report the volume provided.
+
+Note: If the subject or a given comparable does not have any full baths
+in the outbuilding, enter 0.
+
+Note: If the subject or a given comparable does not have any half baths
+in the outbuilding, enter 0.
+
+Note: If the subject or a given comparable does not have a kitchen in the
+outbuilding, enter 0.
+
+Heating System Exists
+•
+
+If No, “None” displays.
+
+•
+None
+•
+Baseboard
+•
+Fireplace
+•
+Forced Warm Air
+•
+Gravity Air
+• Mini Split
+•
+•
+•
+•
+•
+
+Passive Solar
+Radiant
+Radiators
+Stove
+Other (Describe)
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+22 Sales Comparison Approach
+
+Report Label
+
+When Row
+Displays
+
+When to Include for
+each Comparable
+
+Allowable
+Answers / Format
+
+Origin of Subject
+Property Information
+
+Adjustable
+Row
+
+Definition / Additional Guidance
+
+Sales Comparison Approach: Outbuilding
+
+Report
+Field ID
+
+22.14.10
+22.14.24
+
+Cooling
+
+If relevant
+
+Required when the
+row is included in the
+sales comparison grid
+
+Yes | No
+
+22.14.10
+
+Cooling
+
+If relevant
diff --git a/chunks/txt/931397d5f18420a186f05782a6055a43c76f88eec58ff64b70a915e7a52716ec.txt b/chunks/txt/931397d5f18420a186f05782a6055a43c76f88eec58ff64b70a915e7a52716ec.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1ce2eebbf532937cc40143f12d7d2d5cfece092b
--- /dev/null
+++ b/chunks/txt/931397d5f18420a186f05782a6055a43c76f88eec58ff64b70a915e7a52716ec.txt
@@ -0,0 +1,195 @@
+487
+
+488
+
+489
+
+490
+
+491
+
+492
+
+493
+
+3
+
+4
+
+4
+
+4
+
+4
+
+5
+
+5
+
+5
+
+5
+
+6
+
+6
+
+6
+
+6
+
+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
+
+4a
+
+HEADER
+
+BLANK
+
+APPRAISER
+CERTIFICATION
+APPRAISER
+CERTIFICATION
+
+Appraiser
+Name
+Appraiser
+Company Name
+
+5
+
+6
+
+7
+
+Report Title
+Description
+
+Appraiser File
+Identifier
+
+Appraiser
+Additional File
+Identifier Name
+
+Used to specify the title of a report.
+
+/VALUATION_RESPONSE/REPORT/@_TitleDescription
+
+This is an identifier or number used by
+the appraiser to identify their reports. It is
+generally specific to the appraiser.
+
+Secondary report identifier used by the
+appraiser to identify appraisal reports.
+This field may carry the FHA number,
+case number, loan number or some other
+identifier.
+
+/VALUATION_RESPONSE/REPORT/@AppraiserFileIdentifier
+
+/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifierName
+
+Appraiser
+Additional File
+Identifier
+
+Used to indicate by name the type of
+identifier represented by
+AppraisersAdditionalFileIdentifier.
+
+/VALUATION_RESPONSE/REPORT/@AppraiserAdditionalFileIdentifier
+
+Report Title
+Description
+
+Appraiser File
+Identifier
+
+Appraiser
+Additional File
+Identifier Name
+
+Used to specify the title of a report.
+
+/VALUATION_RESPONSE/REPORT/@_TitleDescription
+
+This is an identifier or number used by
+the appraiser to identify their reports. It is
+generally specific to the appraiser.
+
+Secondary report identifier used by the
+appraiser to identify appraisal reports.
+This field may carry the FHA number,
+case number, loan number or some other
+identifier.
diff --git a/chunks/txt/9323c311d0cab8d35c060bfb57c31e9584fb2c66803f53616d14e41c8fd5a2af.txt b/chunks/txt/9323c311d0cab8d35c060bfb57c31e9584fb2c66803f53616d14e41c8fd5a2af.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ca17f87b5391d24e8c868f813c25934579aeef3a
--- /dev/null
+++ b/chunks/txt/9323c311d0cab8d35c060bfb57c31e9584fb2c66803f53616d14e41c8fd5a2af.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
+
+# Legal Documents & Suspensions
+
+- ## Litigation
+
+Compilation of documents related to litigation involving the Federal Housing Finance Agency (FHFA), the Office of Federal Housing Enterprise Oversight...
+
+[Read more](/supervision/legal-documents/litigation)
+
+- ## FHFA Orders
+
+Cumulative list of FHFA legally binding orders that mandate action by a regulated entity.
+
+[Read more](/supervision/legal-documents/fhfa-orders)
diff --git a/chunks/txt/93246ab3580af949bdd735732dc9aedc1957e72bdebaee75929991d736944592.txt b/chunks/txt/93246ab3580af949bdd735732dc9aedc1957e72bdebaee75929991d736944592.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5fffd0f0ddde65f46ca4f5ce248415420ec991d9
--- /dev/null
+++ b/chunks/txt/93246ab3580af949bdd735732dc9aedc1957e72bdebaee75929991d736944592.txt
@@ -0,0 +1,31 @@
+TXC-NP
+
+FTR-L
+
+FTR-R
+
+Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Restricted Appraisal Update Report Page [Page] of [Pages]Update Version #Fannie Mae | Freddie Mac September 2024
+
+HDR-L
+
+HDR-R
+
+2 COLUMN PAGE FORMAT
+
+TXC-NP
+
+10. I personally performed an inspection of the exterior areas of the subject property from at least the street. I reported the readily observable
+condition of the improvements in factual, specific terms. I reported any known physical deficiencies that could affect the soundness or
+structural integrity of the property.
+
+10. I did not personally perform an onsite inspection of the subject property as part of this appraisal assignment. I reported the condition of
+the improvements in factual, specific terms, relying on subject property information data sources I considered reliable. I reported any known
+physical deficiencies that could affect the soundness or structural integrity of the property.
+
+11. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and
+information in this appraisal report are true and correct.
+
+12. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any
+agreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a
+predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or
+occurrence of a specific subsequent event (such as approval of a pending mortgage loan application).
diff --git a/chunks/txt/9324a7b0c6a57d620de0e002aee2bb6029c7733ba372ebf5ae08e48fcca03c06.txt b/chunks/txt/9324a7b0c6a57d620de0e002aee2bb6029c7733ba372ebf5ae08e48fcca03c06.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8903cc2bd64c064f5b4aaf7bd164040426646ac9
--- /dev/null
+++ b/chunks/txt/9324a7b0c6a57d620de0e002aee2bb6029c7733ba372ebf5ae08e48fcca03c06.txt
@@ -0,0 +1,111 @@
+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.
+
+Noncontinuous Finished Area
+
+Quality Comment
+The exterior of the homes
+is a mix of Hardie plank and
+stone.
+
+Subject has a walkout lower
+level, concrete covered with
+Hardie plank.
+
+Condition Status
+New or Like New
+
+New or Like New
+
+Roof is covered with a 50 year
+composition roof.
+
+New or Like New
+
+Windows are metal clad with
+paintable wood interior.
+
+New or Like New
+
+Condition Comment
+
+The table below depicts any finished area that is attached to the dwelling but separate and not directly accessible from any unit
+
+Finish
+Finished
+
+Total Area
+360 Sq. Ft.
+
+Room Summary
+1 - Family Room
+
+Check #A
+
+Mechanical System Details
+
+Heating
+
+Cooling
+
+System
+Forced Warm Air
+
+Centralized
+
+Detail
+Natural Gas
+
+Core Heating System Below Grade
+
+Other Mechanical Systems
+
+Sump Pump
+
+Yes No
+ 
+
+Apparent Defects, Damages, Deficiencies (Dwelling Exterior)
+
+None
+
+Dwelling Exterior Commentary
+
+The subject is a new construction home with no damages, defects or deficiencies and is built using green materials.
+
+Dwelling Exterior Exhibits
+
+Noncontinuous Area - Bonus Room
+
+Dwelling Rear
+
+This is where the Noncontinuous Area photo would display.
+
+This is where the Dwelling Rear photo would display.
+
+Appraiser Reference ID 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024
diff --git a/chunks/txt/932e55514c7e1f76f9afcf50f74b030817f0516192534e587a39d4ecdbb4f872.txt b/chunks/txt/932e55514c7e1f76f9afcf50f74b030817f0516192534e587a39d4ecdbb4f872.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ba086d9018fe3b88545115ae9a057ee5080d9e2d
--- /dev/null
+++ b/chunks/txt/932e55514c7e1f76f9afcf50f74b030817f0516192534e587a39d4ecdbb4f872.txt
@@ -0,0 +1,96 @@
+Provides the name, Unique Identifier (UID) and Field Identifier (FID) displayed in the URAR Delivery Specification for the relevant instance of the
+ConstructionMethodType data point used in the legacy form mapping summary.
+
+Provides the name, Unique Identifier (UID) and Field Identifier (FID) displayed in the URAR Delivery Specification for the relevant instance of the
+LandOwnedInCommonIndicator data point used in the legacy form mapping summary.
+
+Project Legal Structure
+
+(UID: 2500.0168, FID: 1.016,1.017, 1.018)
+
+Provides the name, Unique Identifier (UID) and Field Identifier (FID) displayed in the URAR Delivery Specification for the relevant instance of the
+ProjectLegalStructureType data point.
+
+Units Excluding ADUs
+
+(UID: 0100.0022, FID: 1.021)
+
+Accessory Dwelling Units
+
+(UID: 0100.0019, FID: 1.022)
+
+Provides the name, Unique Identifier (UID) and Field Identifier (FID) displayed in the URAR Delivery Specification for the relevant instance of the
+LivingUnitExcludingADUCount data point.
+
+Provides the name, Unique Identifier (UID) and Field Identifier (FID) displayed in the URAR Delivery Specification for the relevant instance of the
+AccessoryDwellingUnitTotalCount data point.
+
+c
+e
+p
+S
+y
+r
+e
+v
+i
+l
+
+e
+D
+D
+A
+U
+m
+o
+r
+f
+n
+o
+i
+t
+a
+m
+r
+o
+f
+n
+
+I
+
+i
+
+t
+n
+o
+P
+a
+t
+a
+D
+y
+t
+r
+e
+p
+o
+r
+P
+t
+n
+a
+v
+e
+e
+R
+
+l
+
+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.
+
+4
+
+Legacy Forms Mapping
+
+Legacy Forms
diff --git a/chunks/txt/933068e3969760ab34d791207b5f5259211d426ba5fad17d7c0e0012b993d328.txt b/chunks/txt/933068e3969760ab34d791207b5f5259211d426ba5fad17d7c0e0012b993d328.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c066cecfdbe819eb330fec362e5ab85251872da3
--- /dev/null
+++ b/chunks/txt/933068e3969760ab34d791207b5f5259211d426ba5fad17d7c0e0012b993d328.txt
@@ -0,0 +1,141 @@
+false
+
+Utilize this subsection for additional commentary as required by USPAP.
+
+SubjectToRepair
+
+2019-09-20
+
+90
+
+0
+
+ReasonableExposureTime
+
+491000
+
+C5
+
+false
+
+AA12345
+
+false
+
+AmericanNationalStandardsInstitute
+
+false
+
+false
+
+true
+
+URAR Delivery Specification v1.3
+
+InteriorAndExterior
+
+MYAPP
+
+Some Appraisal Creator
+
+11.2.1
+
+Nowhere Technologies
+
+DEF Bank
+
+200 Elm St
+
+Anytown
+
+12346
+
+VA
+
+Lender
+
+Client
+
+XYZ Appraisal Management Company
+
+300 Maple Ave
+
+Anytown
+
+12345
+
+VA
+
+ManagementCompany
+
+Agatha
+
+Appraiser
+
+123 Main St
+
+Anytown
+
+12345
+
+VA
+
+ABC Appraisal Co.
+
+SeniorResidentialAppraiser
+
+CertifiedResidential
+
+2020-10-10
+
+XYZ12345
+
+VA
+
+Appraiser
+
+Andrew
+
+Appraiser
+
+None
+
+SignificantRealPropertyAppraisalAssistance
+
+Andrew Appraiser, a trainee appraiser, filled out the Market section, provided the Market Analysis, assisted in measuring property, and did an exterior inspection of the comparables from the street.
+
+Betty
+
+Borrower
+
+Borrower
+
+Bob
+
+Borrower
+
+Borrower
+
+Jane
+
+Doe
+
+PropertySeller
+
+PropertyOwner
+
+Valuation
+
+2019-09-20
+
+\\SF1_Appraisal_v1.3.pdf
+
+application/pdf
+
+4
+
+AppraisalReport
+
+FNM_FRE
+
+September 2024
diff --git a/chunks/txt/9334497372db8725cd01309cb7183dbabeaf789ce5dc4bb54993932e02f68e52.txt b/chunks/txt/9334497372db8725cd01309cb7183dbabeaf789ce5dc4bb54993932e02f68e52.txt
new file mode 100644
index 0000000000000000000000000000000000000000..82feb3fc286ed4df0150b0eb6398aaf6b85487ee
--- /dev/null
+++ b/chunks/txt/9334497372db8725cd01309cb7183dbabeaf789ce5dc4bb54993932e02f68e52.txt
@@ -0,0 +1,122 @@
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Always required
+
+Yes | No
+
+Indicates whether the property has renewable energy components that are
+known to the appraiser.
+Note: If No, the Renewable Energy Components subsection does not display.
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+Choose an
+allowable answer
+from table
+(Renewable
+Energy
+Ownership)
+
+Yes | No
+
+Renewable Energy Component Type
+The type(s) of renewable energy component present on the site.
+•
+•
+• Wind Turbine
+•
+
+Geothermal
+Solar
+
+Other (Describe)
+
+Renewable Energy Component Ownership: The type of ownership for the
+renewable energy component.
+•
+•
+•
+•
+
+Leased
+Owned
+Power Purchase Agreement (PPA)
+Other
+
+Indicates whether there is a financing arrangement specific to the renewable
+energy component.
+
+Report
+Field ID
+
+6.000
+
+6.001
+
+Known
+Renewable
+Energy
+Components
+
+Renewable
+Energy
+Component
+
+Required if Known
+Renewable Energy
+Components is Yes
+
+6.002
+
+Ownership
+
+If available for each
+renewable energy
+component
+
+6.003
+
+Financing
+Arrangement
+
+Required for each
+renewable energy
+component if
+Renewable Energy
+Component Ownership
+is Owned
+
+Appendix F-1: URAR Reference Guide
+
+Page 87 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+06 Energy Efficient and Green Features
+
+Allowable Answer
+
+Definition / Additional Guidance
+
+Renewable Energy Ownership (Choose one for each Renewable Energy Component)
+
+Leased
+
+Owned
+
+Indicates use of the renewable energy component is granted through a signed lease agreement.
+
+Indicates the renewable energy component has been purchased by the homeowner, including when subject to a financing
+arrangement.
diff --git a/chunks/txt/933e1230955238d1ee309efab1609b82122a4cdd27ed8786e5e90567f46dd16d.txt b/chunks/txt/933e1230955238d1ee309efab1609b82122a4cdd27ed8786e5e90567f46dd16d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c2336ce541219a3e958953acb4ee6bcb017b1944
--- /dev/null
+++ b/chunks/txt/933e1230955238d1ee309efab1609b82122a4cdd27ed8786e5e90567f46dd16d.txt
@@ -0,0 +1,56 @@
+Note: A property with one primary dwelling and an accessory dwelling unit (ADU) is classified as a one-unit property and must
+meet all one-unit requirements, unless otherwise specified. For guidance on the number of ADUs allowed on one-, two-, and
+three-unit properties, refer to the Accessory Dwelling Units section in SB2-3-04, Special Property Eligibility Considerations.
+
+Property Location
+
+The security property must be located in
+
+the United States (including the District of Columbia),
+
+•
+• Puerto Rico,
+•
+• Guam.
+
+the U.S. Virgin Islands, or
+
+Property Requirements
+
+The mortgaged premises must be
+
+•
+
+•
+
+•
+
+residential in nature as defined by the characteristics of the property and surrounding market area (see SB4-1.3-03,
+Market Section of the Uniform Residential Appraisal Report);
+
+secured by an interest in real property within the meaning of the Internal Revenue Code as such term is defined in 26
+C.F.R. § 1.856-3;
+sound and structurally secure (see SB4-1.3-06, Dwelling Condition and Quality of Construction);
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 9 of 166
+
+UAD 3.6 Policy
+
+•
+
+•
+
+•
+
+•
+
+the highest and best use of the property as improved (or as proposed per plans and specifications), and the use of the
+property must be legal or legal non-conforming (see SB4-1.3-04, Property Site, Disaster Mitigation, and Highest and Best
+Use);
+readily accessible by roads that meet local standards (see SB4-1.3-04, Property Site, Disaster Mitigation, and Highest and
+Best Use);
+served by utilities that meet community standards (see SB4-1.3-04, Property Site, Disaster Mitigation, and Highest Best
+Use); and
+suitable for year-round use.
diff --git a/chunks/txt/933f2578c06d13db7f3d236cabefa7d0deb58f5c3c48b7fb7bff95b87c881d16.txt b/chunks/txt/933f2578c06d13db7f3d236cabefa7d0deb58f5c3c48b7fb7bff95b87c881d16.txt
new file mode 100644
index 0000000000000000000000000000000000000000..864a7208ce6634d2fd9bef61a68ee5bd41b0e4ce
--- /dev/null
+++ b/chunks/txt/933f2578c06d13db7f3d236cabefa7d0deb58f5c3c48b7fb7bff95b87c881d16.txt
@@ -0,0 +1,17 @@
+![image](Uniform_Appraisal_Dataset___Fannie_Mae_fact-sheet.svg)
+
+[UAD 3.6 Documentation](#uad-documentation)
+
+![image](Uniform_Appraisal_Dataset___Fannie_Mae_technology.svg)
+
+[UAD 2.6 and Resources](#uad-26-resources)
+
+#### Lender Preparedness Webinar Recording
+
+[]() ×
+
+> *[Iframe content not accessible: https://fanniemae.qumucloud.com/view/XircO1Beu7xameqeTvQnay?&autoplay=0]*
+
+![image](Uniform_Appraisal_Dataset___Fannie_Mae_thumbnail)
+
+![image](Uniform_Appraisal_Dataset___Fannie_Mae_UMDP_20logo_20May_202021.png)
diff --git a/chunks/txt/934c0522fc523c07d9127c92485c06aed9e23810f40ddd78f2405408645193bd.txt b/chunks/txt/934c0522fc523c07d9127c92485c06aed9e23810f40ddd78f2405408645193bd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ea4d1a174d5e37215cfbaef593add7bed4c3bf9a
--- /dev/null
+++ b/chunks/txt/934c0522fc523c07d9127c92485c06aed9e23810f40ddd78f2405408645193bd.txt
@@ -0,0 +1,31 @@
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
+
+## Footer
+
+- [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
+
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/14361","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/9354544598e598c5393f05028ffec2a1384169349458599d8937c95d885b4675.txt b/chunks/txt/9354544598e598c5393f05028ffec2a1384169349458599d8937c95d885b4675.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0d6cbd998e1abaf6fabfabe3999a17e4e89219bf
--- /dev/null
+++ b/chunks/txt/9354544598e598c5393f05028ffec2a1384169349458599d8937c95d885b4675.txt
@@ -0,0 +1,147 @@
+22.17.04 Status
+
+If available when
+Listing Status is Settled
+Sale
+
+Required for each
+additional property
+
+Property Address
+
+Allowable
+Answers / Format
+
+1, 2, 3 …
+
+Free-form, in
+format that
+conforms to
+address standards
+in USPS
+Publication 28,
+Postal Addressing
+Standards
+
+mm/dd/yyyy
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+•
+•
+•
+•
+
+Active
+Off Market
+Pending
+Settled Sale
+
+Appendix F-1: URAR Reference Guide
+
+Page 277 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+22 Sales Comparison Approach
+
+Report
+Field ID
+
+Not on
+Report
+
+Sales Comparison Approach – Additional Properties Analyzed Not Used
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Required for each
+additional property
+
+Yes | No
+
+This is an
+appraiser input
+that does not
+display
+
+Reconsideration Requested
+Indicates whether the client has requested the appraiser to consider this
+additional property in the Sales Comparison analysis after the appraiser
+submitted their analysis.
+
+22.17.05 Reason Not
+
+Used
+
+Required for each
+additional property
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+
+Accessory Dwelling Unit
+Age
+Amenities
+Area Below Grade
+Bathroom Count
+Bedroom Count
+Condition
+Dated Sale
+Design or Style Variance
+Finished Area
+Gross Building Area
+Lot Size
+Outbuildings
+Proximity
+Quality
+Sale or Transfer Type
+Site Influence
+Other (Describe)
+
+22.17.06 Comment
+
+Required for each
+additional property
+
+Free-form
+
+Additional details and analysis to support the reason for not including in the
+sales comparison grid.
diff --git a/chunks/txt/9374cd5b71f7724388cb5d10d57f4f2bbd42c73769ca84a2ba6e80751d236b31.txt b/chunks/txt/9374cd5b71f7724388cb5d10d57f4f2bbd42c73769ca84a2ba6e80751d236b31.txt
new file mode 100644
index 0000000000000000000000000000000000000000..705cfd915125641a857a5a9411619f916a1778d0
--- /dev/null
+++ b/chunks/txt/9374cd5b71f7724388cb5d10d57f4f2bbd42c73769ca84a2ba6e80751d236b31.txt
@@ -0,0 +1,100 @@
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+
+10
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+This field indicates the listing status of the comparable.
+
+11
+
+Enumerated
+
+Allowable Values PDF Allowable Values
+Active Active
+Expired e
+Withdrawn w
+Contract c
+SettledSale s
+
+This field is required if the value of field e-26
+(GSE Financing Type) is 'Other'.
+
+CR
+
+CR
+
+CR
+
+If the value of field e-29 is 'SettledSale', this
+field is required.
+
+CR
+
+CR
+
+CR
+
+The sum of this field 2-55 and fields (2-53, 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
+
+CR
+
+CR
+
+R
+
+R
+
+R
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+This field must indicate the month and year of the event indicated by field e-29.
+No intent to collect time or day in this field. If the value of field e-29 is
+'SettledSale', then the second instance of this field must indicate the month and
+year of the contract date.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+This field is required if the value of field e-29
+(GSE Listing Status Type) is not 'Active'. If
+the value of field e-29 is 'SettledSale' and the
+value of field e-31 is 'N', then a second
+instance is required.
+
+5
+
+String
+
+CR
+
+CR
+
+CR
+
+Data Format:
+mm/yy
+
+3
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+For settled sales, this field indicates whether or not the contract date is
+unknown ('Y' indicates unknown, 'N' indicates known).
diff --git a/chunks/txt/937d20b02ac3cc0553234a2aaf8b5d01a353542d742af445cb626363437a88f0.txt b/chunks/txt/937d20b02ac3cc0553234a2aaf8b5d01a353542d742af445cb626363437a88f0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1daa63678e1404d53a2ebb7960c541b8a854693b
--- /dev/null
+++ b/chunks/txt/937d20b02ac3cc0553234a2aaf8b5d01a353542d742af445cb626363437a88f0.txt
@@ -0,0 +1,5 @@
+record_id: 1800023721000 | year: 2018 | weight: 20 | state_fips_2010: 42 | state_fips_2020: NA | county_fips_2010: 42039 | county_fips_2020: NA | tract_fips_2010: NA | 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: 385000 | sales_range_low: 275000 | updated_last_15_years: 1 | lot_size: 2 | quality: 4 | condition: 4 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 6 | median_adjustment: 20500 | average_adjustment: -34786 | adjusted_price: 325000 | number_comparables: 5 | same_tract_percent: 71 | calculated_proximity: 4.03 | reported_proximity: 4.04 | value_sale_comparison: 325000 | value_cost: 335000 | value_income: NA | appraised_value: 325000 | appraisal_to_contract: NA | comparison_to_contract: NA
+record_id: 1800027794000 | year: 2018 | weight: 20 | state_fips_2010: 19 | state_fips_2020: NA | county_fips_2010: 19169 | county_fips_2020: NA | tract_fips_2010: NA | tract_fips_2020: NA | purpose: 1 | owner_occupied: 1 | contract_price: 265000 | built_up: 2 | growth_rate: 2 | property_value_trend: 2 | demand_supply: 2 | marketing_time: 2 | sales_range_high: NA | sales_range_low: NA | updated_last_15_years: 2 | lot_size: 9 | quality: 3 | condition: 3 | bathrooms: 9 | bedrooms: 2 | gross_living_area: 2 | median_adjustment: -15572 | average_adjustment: -18431 | adjusted_price: 265000 | number_comparables: 3 | same_tract_percent: NA | calculated_proximity: NA | reported_proximity: 0.81 | value_sale_comparison: NA | value_cost: NA | value_income: NA | appraised_value: NA | appraisal_to_contract: NA | comparison_to_contract: NA
+record_id: 1800013591000 | year: 2018 | weight: 20 | state_fips_2010: 39 | state_fips_2020: NA | county_fips_2010: 39049 | county_fips_2020: NA | tract_fips_2010: NA | tract_fips_2020: NA | purpose: 1 | owner_occupied: 2 | contract_price: 135000 | built_up: 1 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 1 | marketing_time: 1 | sales_range_high: NA | sales_range_low: NA | updated_last_15_years: 2 | lot_size: 9 | quality: 4 | condition: 4 | bathrooms: 9 | bedrooms: 2 | gross_living_area: 2 | median_adjustment: -1000 | average_adjustment: -1800 | adjusted_price: 135000 | number_comparables: 3 | same_tract_percent: NA | calculated_proximity: NA | reported_proximity: 0.13 | value_sale_comparison: NA | value_cost: NA | value_income: NA | appraised_value: NA | appraisal_to_contract: NA | comparison_to_contract: NA
+record_id: 1800033741000 | year: 2018 | weight: 20 | state_fips_2010: 08 | state_fips_2020: NA | county_fips_2010: 08005 | county_fips_2020: NA | tract_fips_2010: 08005084000 | tract_fips_2020: NA | purpose: 1 | owner_occupied: 1 | contract_price: 355000 | built_up: 1 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 1 | marketing_time: 1 | sales_range_high: NA | sales_range_low: NA | updated_last_15_years: 1 | lot_size: 2 | quality: 3 | condition: 3 | bathrooms: 3 | bedrooms: 3 | gross_living_area: 4 | median_adjustment: 41400 | average_adjustment: 34520 | adjusted_price: 355000 | number_comparables: 3 | same_tract_percent: 40 | calculated_proximity: 0.64 | reported_proximity: 0.64 | value_sale_comparison: 355000 | value_cost: NA | value_income: NA | appraised_value: 355000 | appraisal_to_contract: 100.3 | comparison_to_contract: 100.3
+record_id: 1800031451000 | year: 2018 | weight: 20 | state_fips_2010: 06 | state_fips_2020: NA | county_fips_2010: 06077 | county_fips_2020: NA | tract_fips_2010: 06077003307 | tract_fips_2020: NA | purpose: 2 | owner_occupied: 1 | contract_price: NA | built_up: 1 | growth_rate: 2 | property_value_trend: 1 | demand_supply: 1 | marketing_time: 1 | sales_range_high: 315000 | sales_range_low: 175000 | updated_last_15_years: 2 | lot_size: 2 | quality: 4 | condition: 4 | bathrooms: 2 | bedrooms: 2 | gross_living_area: 2 | median_adjustment: -8250 | average_adjustment: -3417 | adjusted_price: 245000 | number_comparab
diff --git a/chunks/txt/937f781f502790fb735d4bc5b519963c7078bb3c26056f391b1f5e7d3a77a949.txt b/chunks/txt/937f781f502790fb735d4bc5b519963c7078bb3c26056f391b1f5e7d3a77a949.txt
new file mode 100644
index 0000000000000000000000000000000000000000..08dfafc1c739ee1f047c41c10b39d62a52094217
--- /dev/null
+++ b/chunks/txt/937f781f502790fb735d4bc5b519963c7078bb3c26056f391b1f5e7d3a77a949.txt
@@ -0,0 +1,28 @@
+4e. Remove Certain Information That Contributed to Privacy Harm
+
+FHFA evaluated each property characteristic in a UAD appraisal record to determine whether it was
+typically available in another public source such as public records or real estate listings. For property
+
+Federal Housing Finance Agency
+
+5
+
+UAD PUF Version 2.1 Data Documentation
+
+characteristics NOT common to the UAD and another public source, FHFA balanced the utility of
+including the property characteristic in the UAD Appraisal-Level PUF with its contribution to privacy
+harm if the property address was to be re-identified. For the UAD Appraisal-Level PUF, FHFA removed
+numerous property characteristics that it identified, at this time, as having privacy harm that outweighs
+public utility or as having insufficient public utility to warrant disclosure in the initial dataset. FHFA
+plans to continue to evaluate appraisal data under this approach.
+
+4f. Minimum Record Count Threshold
+
+For the UAD Appraisal-Level PUF, FHFA adopted a minimum record count threshold of 11 records
+based on the Department of Housing and Urban Development’s (HUD’s) “Privacy Rule of Eleven.” 6 In
+short, for census tracts with fewer than 11 appraisal records in a given year, the tract number was
+suppressed (primary suppression). In Version 1.0 of the PUF, FHFA suppressed the tract number of an
+additional tract (complementary suppression) in instances where only one tract in a county required
+suppression. In Version 2.0, FHFA updated the methodology to not include complementary suppression.
+
+FHFA applied the same protocol for counties with fewer than 11 appraisal records in a given year.
diff --git a/chunks/txt/93826e1b2286e4d42e344d83ae32a0b05d894ee703320dad4401144dca0a0947.txt b/chunks/txt/93826e1b2286e4d42e344d83ae32a0b05d894ee703320dad4401144dca0a0947.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d4a2ae21071009e1e70abee9d3b5fb0013d5c766
--- /dev/null
+++ b/chunks/txt/93826e1b2286e4d42e344d83ae32a0b05d894ee703320dad4401144dca0a0947.txt
@@ -0,0 +1,47 @@
+Retired
+
+Appendix B
+
+Closing Disclosure Mapping to the MISMO v3.3.0.0 Reference Model (.xls version)
+
+Retired
+
+Appendix C
+
+Closing Disclosures with Reference Numbers
+
+Appendix D
+
+UCD Cardinality, v1.0 (Cardinality integrated into Appendices H and I)
+
+Retired
+
+Appendix E
+
+UCD Implementation Guide
+
+Appendix F
+
+UCD Sample Use Cases
+
+Appendix G
+
+UCD Sample XML Files
+
+Appendix H
+
+UCD Delivery Specification (.pdf version)
+
+Retired
+
+Appendix I
+
+UCD Delivery Specification (.xls version)
+
+FAQs
+
+Appendix E: UCD Implementation Guide
+
+Page 254 of 254
+
+Version 1.4
diff --git a/chunks/txt/938be022a665ffcec8dd32bd96b4d5c7ca52e0d19f6db362cc29c1da02e89ea0.txt b/chunks/txt/938be022a665ffcec8dd32bd96b4d5c7ca52e0d19f6db362cc29c1da02e89ea0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7f63cf2dc96b1e3d89e00dae1c5f51a9ca97d17c
--- /dev/null
+++ b/chunks/txt/938be022a665ffcec8dd32bd96b4d5c7ca52e0d19f6db362cc29c1da02e89ea0.txt
@@ -0,0 +1,199 @@
+Fannie Mae | Freddie Mac
+September 2024
+
+3
+
+2 | 0
+
+3
+
+2 | 0
+
+3
+
+2 | 0
+
+3
+
+2 | 0
+
+1,568 Sq. Ft.
+
+1,800 Sq. Ft.
+
+$(15,000)
+
+1,248 Sq. Ft.
+
+$20,800
+
+2,250 Sq. Ft.
+
+$(44,300)
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+Appraiser Reference ID
+
+2222-55HG
+
+Client Reference ID BL2345-1234567
+
+Manufactured Home Scenario 1 (MH1)
+
+Uniform Residential Appraisal Report
+
+Page 20 of 30
+Page 20 of 30
+
+Sales Comparison Approach (continued)
+
+Property Address
+
+123 Anywhere St
+Some City, VA 20141
+
+345 Somewhere Ave
+Some City, VA 20141
+
+222 Canal Blvd
+Anywhere City, VA 20141
+
+98761 State Rd 3
+Anywhere City, VA 20141
+
+Subject Property
+
+Comparable #1
+
+Comparable #2
+
+Comparable #3
+
+Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Exterior Quality and Condition
+
+Quality
+
+Exterior Walls and Trim
+
+Foundation
+
+Roof
+
+Condition
+
+Q4
+
+Vinyl
+
+Crawl Space | Pier
+with Tie Down
+
+Composition
+
+C1
+
+Q4
+
+Engineered Wood
+
+Crawl Space | Pier
+with Tie Down
+
+Composition
+
+C4
+
+Q4
+
+Vinyl
+
+Crawl Space | Pier
+with Tie Down
+
+Composition
+
+C3
+
+Q4
+
+Engineered Wood
+
+Crawl Space | Pier
+with Tie Down
+
+Composition
+
+C5
+
+Exterior Walls and Trim
+
+New or Like New
+
+Damaged and Functional
+
+Typical Wear and Tear
+
+Damaged and Functional
+
+Roof
+
+New or Like New
+
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+Damaged and Functional
+
+Interior Quality and Condition
+
+Quality
+
+Kitchen
+
+Overall Bathrooms
+
+Condition
+
+Kitchen
+
+Overall Bathrooms
+
+Q4
+
+Q4
+
+Q3
+
+Q4
+
+Formica Countertops
+| Vinyl Floor
+
+Solid Surface Countertops
+| Tile Floor
+
+C1
+
+Fully Updated
+
+Fully Updated
+
+Formica Countertops
+| Vinyl Floor
+
+Formica Countertops
+| Vinyl Floor
+
+C4
+
+Not Updated
diff --git a/chunks/txt/93912fbb914da53d6bfd1629f41a96308968e9f9e38d7ef3fd02f582e0b1ca53.txt b/chunks/txt/93912fbb914da53d6bfd1629f41a96308968e9f9e38d7ef3fd02f582e0b1ca53.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8e27747ff9680c0c0ab728c13158f49d7bcdb718
--- /dev/null
+++ b/chunks/txt/93912fbb914da53d6bfd1629f41a96308968e9f9e38d7ef3fd02f582e0b1ca53.txt
@@ -0,0 +1,33 @@
+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.
+
+APPRAISER
+
+SUPERVISORY APPRAISER (ONLY IF REQUIRED)
+
+Signature _____________________________________________
+Name 5 ______________________________________________
+Company Name 6 ______________________________________
+Company Address 7 ____________________________________
+ 8a, 8b 8c ______________________________
+Telephone Number 9 ____________________________________
+Email Address 10 ______________________________________
+Date of Signature and Report 11___________________________
+Effective Date of Appraisal 12 _____________________________
+State Certification # 13 __________________________________
+or State License # 14____________________________________
+or Other (describe) 15 ________________State # 16 __________
+State 17 ______________________________________________
+Expiration Date of Certification or License 18 _________________
diff --git a/chunks/txt/9396edf7e9627a190b8c6b9d5370fe3cfea82cc5dcc97b49e4bb605ed9e4d524.txt b/chunks/txt/9396edf7e9627a190b8c6b9d5370fe3cfea82cc5dcc97b49e4bb605ed9e4d524.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8444d33799c988b779b3ff8d63a35a3f5c4c95e0
--- /dev/null
+++ b/chunks/txt/9396edf7e9627a190b8c6b9d5370fe3cfea82cc5dcc97b49e4bb605ed9e4d524.txt
@@ -0,0 +1,86 @@
+Interior Quality and Condition – repeats for each unit that is not an ADU
+
+Exterior Quality and Condition
+
+Exterior Quality and Condition displays in the sales comparison grid if Homeowner Responsible for all Exterior Maintenance of Dwellings (3.016) is
+Yes for the subject, and the “When Row Displays” column in this chapter reflects this.
+Notes:
+• When exterior features are included in the Exterior Quality and Condition subsection, it provides context for:
+
+o Exterior Quality Rating for the dwelling, and for the Overall Quality Rating.
+o Exterior Condition Rating for the dwelling, and for the Overall Condition Rating.
+
+• Any adjustments are made in the Overall Quality Rating (22.11.04) or Overall Condition Rating row (22.11.06), and not here.
+• For properties with multiple dwellings, Exterior Quality and Condition repeats for each dwelling, based on the field Dwellings Containing Units.
+
+Appendix F-1: URAR Reference Guide
+
+Page 250 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+22 Sales Comparison Approach
+
+Report Label
+
+When Row
+Displays
+
+When to Include for
+each Comparable
+
+Allowable
+Answers / Format
+
+Origin of Subject
+Property Information
+
+Adjustable
+Row
+
+Definition / Additional Guidance
+
+Sales Comparison Approach: Exterior Quality and Condition
+
+N/A
+
+Always required
+
+Yes | No
+
+N/A
+
+Always required
+
+Number
+
+Subject Property
+•
+Homeowner
+Responsible for all
+Exterior
+Maintenance of
+Dwellings 3.016
+
+Subject Property
+•
+
+Dwellings
+Containing Units
+3.007
+
+This is an
+appraiser
+input that
+does not
+display in the
+sales grid
+
+This is an
+appraiser
+input that
+does not
+display in the
+sales grid
diff --git a/chunks/txt/939a52bbfca78eb2afa16f2d7bb81ebb0b3025b8588c478a510597c5066818af.txt b/chunks/txt/939a52bbfca78eb2afa16f2d7bb81ebb0b3025b8588c478a510597c5066818af.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c23f9bedbb4d96845026871a7bc08ad34f1fe765
--- /dev/null
+++ b/chunks/txt/939a52bbfca78eb2afa16f2d7bb81ebb0b3025b8588c478a510597c5066818af.txt
@@ -0,0 +1,12 @@
+FHFA will require the Enterprises to continue using credit risk transfers for their multifamily business, resulting in the private market sharing in potential credit losses. The Enterprises use two models of credit risk transfers: Fannie Mae uses loss-sharing transactions through a delegated underwriting system, which has produced low losses since it was first offered in 1988; and Freddie Mac has a capital markets execution to transfer the bulk of its credit risk. Both approaches align interests between the Enterprises and lenders to manage complex credit decisions and limit losses. The positive results of these models were confirmed by the Enterprises' multifamily portfolio performance through the 2008 financial crisis and by the broad liquidity available to most segments of the market.
+
+## Related Documents
+
+[FHFA Revises Multifamily Loan Purchase Caps for Fannie Mae and Freddie Mac (September 13, 2019 News Release)](/document/frereport_mf_marketanalysis)[​](/document/frereport_mf_marketanalysis)[FACT SHEET: New Multi](/document/frereport_mf_marketanalysis)[family Caps for Fannie Mae and Freddie Mac (S](/media/31391)[eptember 13, 2019)](/media/14296)​
+[Prepared Remarks of Melvin L. Watt at the Brookings Institution Forum on the Future of Fannie Mae and Freddie Mac​](/node/6816)​
+[2014 Scorecard for Fannie Mae, Freddie Mac and Common Securitization Solutions](/node/2756)
+[The 2014 Strategic Plan for the Conservatorships of Fannie Mae and Freddie Mac](/node/2681)
+[FHFA Seeks Public Input on Reducing Fannie Mae and Freddie Mac Multifamily Businesses (August 9, 2013 News Release](/node/5341))
+[FHFA Releases Fannie and Freddie Reports on Viability of Their Multifamily Businesses Without Government Guarantees (May 3, 2013 News Release)](/node/5756)
+[Fannie Mae: Analysis of the Viability of Fannie Mae’s Multifamily Business Operating without a Government Guarantee - Response to FHFA Scorecard Directive (December 17, 2012)](/media/31391)
+[Freddie Mac: Report to the Federal Housing Finance Agency: Housing Finance Reform in the Multifamily Mortgage Market (December 2012)](/media/21851)
diff --git a/chunks/txt/93ac48afbe553381f4a7ab474da7f724c27d9c4ba925049292e98f23fea649d7.txt b/chunks/txt/93ac48afbe553381f4a7ab474da7f724c27d9c4ba925049292e98f23fea649d7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..23a1ac6f8a366e66c62610c7e86bb561172cabf8
--- /dev/null
+++ b/chunks/txt/93ac48afbe553381f4a7ab474da7f724c27d9c4ba925049292e98f23fea649d7.txt
@@ -0,0 +1,23 @@
+(cid:54)(cid:79)(cid:74)(cid:71)(cid:80)(cid:83)(cid:78)(cid:1)(cid:51)(cid:70)(cid:84)(cid:74)(cid:69)(cid:70)(cid:79)(cid:85)(cid:74)(cid:66)(cid:77)(cid:1)(cid:34)(cid:81)(cid:81)(cid:83)(cid:66)(cid:74)(cid:84)(cid:66)(cid:77)(cid:1)(cid:51)(cid:70)(cid:81)(cid:80)(cid:83)(cid:85)(cid:1)
+
+(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20)
+
+Page [Page] of [Pages]
+
+Disaster Mitigation
+
+Mitigation Feature
+
+(cid:24)(cid:17)(cid:19)(cid:19)(cid:19)
+
+Disaster Mitigation Commentary(cid:1)
+
+(cid:24)(cid:17)(cid:19)(cid:19)(cid:20)
+
+Disaster Mitigation Exhibits
+
+(cid:24)(cid:17)(cid:19)(cid:19)(cid:21)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:24)(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)
diff --git a/chunks/txt/93cc7bdccf8d3f1347ba077cf7bac52ec9f15f4a7dd32b5d2c4fd1b8db3efc94.txt b/chunks/txt/93cc7bdccf8d3f1347ba077cf7bac52ec9f15f4a7dd32b5d2c4fd1b8db3efc94.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0e44bcc4fc28a77848a010ce34f1cfc72300adc3
--- /dev/null
+++ b/chunks/txt/93cc7bdccf8d3f1347ba077cf7bac52ec9f15f4a7dd32b5d2c4fd1b8db3efc94.txt
@@ -0,0 +1,118 @@
+1500.0171
+
+ValueMarketabilityImpactType
+
+Display when EncumbranceType = “ConditionsCovenantsRestrictions”
+
+4.053
+
+Comment
+
+1500.0170
+
+RestrictionDescription
+
+4.054
+
+Easement
+
+1500.0012
+
+EncumbranceType
+
+Display when (EncumbranceType = "ConditionsCovenantsRestrictions" AND
+(ValueMarketabilityImpactType = "Adverse" OR "Beneficial"))
+OR
+(EncumbranceType = "ConditionsCovenantsRestrictions" AND
+ValueMarketabilityImpactType = "Neutral" AND Exists)
+Display when exists
+Each Easement displays on a separate row
+
+−
+− When there are no easements, this row does not display
+
+4.055
+
+Detail
+
+4.056
+
+Impact
+
+1500.0004
+
+EasementType
+
+Display when EncumbranceType = "Easement"
+
+1500.0173
+
+ValueMarketabilityImpactType
+
+Display when EncumbranceType = "Easement"
+
+4.057
+
+Comment
+
+1500.0172
+
+EasementDescription
+
+4.058
+
+Encroachment
+
+1500.0012
+
+EncumbranceType
+
+4.059
+
+Detail
+
+1500.0008
+
+EncroachmentDirectionType
+
+1500.0009
+
+EncroachmentType
+
+Display when (EncumbranceType = "Easement" AND
+(ValueMarketabilityImpactType = "Adverse" OR "Beneficial"))
+OR
+(EncumbranceType = "Easement" AND
+ValueMarketabilityImpactType = "Neutral" AND Exists)
+Display when exists
+Each Encroachment displays on a separate row
+
+−
+− When there are no encroachments, this row does not display
+
+Display as stacked when EncumbranceType = "Encroachment"
+
+4.060
+
+Impact
+
+1500.0175
+
+ValueMarketabilityImpactType
+
+Display when EncumbranceType = "Encroachment"
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Report
+Field ID
+
+Report Label
+
+Unique ID MISMO Data Point Name
+
+Display Rules
+
+Site: Site Features and Impact to Value/Marketability
+
+Page 129
diff --git a/chunks/txt/93de5474a297db30a5c7e26cefe86699a7fe1d631a2e0eb6eeef2d933d0513d6.txt b/chunks/txt/93de5474a297db30a5c7e26cefe86699a7fe1d631a2e0eb6eeef2d933d0513d6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..293a7334ea0a8a35e1d5469216f9f0e19143290a
--- /dev/null
+++ b/chunks/txt/93de5474a297db30a5c7e26cefe86699a7fe1d631a2e0eb6eeef2d933d0513d6.txt
@@ -0,0 +1,143 @@
+One and only one of fields 2-100, 2-101
+(values of Subject Has Prior Sales Indicator)
+must be indicated.
+
+One and only one of fields 2-100, 2-101
+(values of Subject Has Prior Sales Indicator)
+must be indicated.
+
+One and only one of fields 2-103, 2-104
+(values of Comparable Has Prior Sales
+Indicator) must be indicated.
+
+One and only one of fields 2-103, 2-104
+(values of Comparable Has Prior Sales
+Indicator) must be indicated.
+
+This field is required if field 2-100 (Subject
+Has Prior Sales Indicator = 'Y') is indicated.
+
+This field is required if field 2-100 (Subject
+Has Prior Sales Indicator = 'Y') is indicated.
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+CR
+
+CR
+
+T
+
+CR
+
+CR
+
+T
+
+CR
+
+CR
+
+Form FNM 1075 FRE 466
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 149 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
+
+311
+
+2
+
+108
+
+PRIOR SALE
+HISTORY
+
+Data Source(s)
+SUBJECT
+
+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='0']/PRIOR_SALES/@
+DataSourceDescription
+
+312
+
+2
+
+109
+
+PRIOR SALE
+HISTORY
+
+Effective Date of Data Source(s)
+SUBJECT
+
+Data Source
+Effective Date
+
+The effective date of the source of
+information.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/PRIOR_SALES/@
+DataSourceEffectiveDate
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/PRIOR_SALES
+/PRIOR_SALES_EXTENSION/PRIOR_SALES_EXTENSION_SECTION[@Ex
+tensionSectionOrganizationName
+='UNIFORM APPRAISAL DATASET ']/
+PRIOR_SALES_EXTENSION_SECTION_DATA/PRIOR_SALE/@GSEPriorSa
+leDate
diff --git a/chunks/txt/93e189517d658f9e858231f568eb68ff5270e84ce5da49a69b48da619bbb86a6.txt b/chunks/txt/93e189517d658f9e858231f568eb68ff5270e84ce5da49a69b48da619bbb86a6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d0ef2e3a65f1177f8118c2133aed667ccabc6fce
--- /dev/null
+++ b/chunks/txt/93e189517d658f9e858231f568eb68ff5270e84ce5da49a69b48da619bbb86a6.txt
@@ -0,0 +1,34 @@
+Appraiser Reference ID AA234567Client Reference ID 1234567Update Version #1Fannie Mae | Freddie Mac September 2024Appraisal Update Scenario (AU1)
+
+Restricted Appraisal Update Report
+
+Page 2 of 3
+
+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 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.
+
+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.
+
+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.
diff --git a/chunks/txt/93ec22d4687d8e0b12ebfd323de54934eb40f2a0f4f7235b0f63fc3ccf30a8c7.txt b/chunks/txt/93ec22d4687d8e0b12ebfd323de54934eb40f2a0f4f7235b0f63fc3ccf30a8c7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a5a1b29f419c610ca6794da16d85961f543a796c
--- /dev/null
+++ b/chunks/txt/93ec22d4687d8e0b12ebfd323de54934eb40f2a0f4f7235b0f63fc3ccf30a8c7.txt
@@ -0,0 +1,91 @@
+Specifically, the following fields will
+be released in National File C: Data field
+0: Enterprise Flag (indicating whether
+the loan was purchased by Fannie Mae
+or Freddie Mac); data field 1: Loan
+Number (released as Sequential
+Number); data field 11: 2000 Census
+Tract-Percent Minority (minority
+population in the census tract where the
+property securing the loan is located);
+data field 14: Tract Income Ratio (ratio
+of tract median income to the applicable
+AMI); data field 17: Borrower Income
+Ratio (ratio of borrower’s income to the
+applicable area median income); data
+field 22: Purpose of Loan (home
+purchase or refinance/other); and data
+field 27: Federal Guarantee
+(conventional loan or Federally
+guaranteed or insured).
+
+The data will be included in National
+
+File C without providing sufficient
+linking variables to associate the more
+sensitive data (credit score and interest
+rate) to loans at the tract level in the
+Census Tract File. In particular, the
+HMDA rate spread field will not be
+released in National File C as this field
+is already released in the Census Tract
+File as required by HERA.
+
+VerDate Mar<15>2010 18:20 Sep 27, 2011 Jkt 223001 PO 00000 Frm 00038 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
+
+60035
+
+F. Not Held on Portfolio or Retained on
+Portfolio—Single-Family Data Field 63:
+Portfolio Flag; Single-Family Data Field
+64: Percent Repurchased
+
+Section 1324(b)(6) requires FHFA to
+compare the characteristics discussed
+above of high-cost loans purchased and
+securitized, where such securities are
+not held on portfolio to loans purchased
+and securitized, where such securities
+are either retained on portfolio or
+repurchased by the Enterprise.
diff --git a/chunks/txt/93f0ea5a4f442162b02d6aabf6c79ff3d445ca0bb89dc07dd744008c4751fc70.txt b/chunks/txt/93f0ea5a4f442162b02d6aabf6c79ff3d445ca0bb89dc07dd744008c4751fc70.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5317c9f41d77f56ae09af726dfbb46acb001e7cc
--- /dev/null
+++ b/chunks/txt/93f0ea5a4f442162b02d6aabf6c79ff3d445ca0bb89dc07dd744008c4751fc70.txt
@@ -0,0 +1,111 @@
+08.034
+
+Inspection Date
+
+2400.0510
+
+InspectionDate
+
+Display when provided.
+When not provided, do not display report label.
+
+Page 46
+
+Report
+Field ID
+
+Report Label
+
+Unique ID MISMO Data Point Name
+
+Display Rules
+
+When PartyRoleType (UID: 2200.0085, FID: Not on report) =
+“AppraiserSupervisor” …
+
+Assignment Information: Contact Information – Supervisory Appraiser
+
+Credentials
+
+08.035
+
+Level
+
+2200.0142 AppraiserLicenseType
+
+… displays
+
+… displays
+
+08.036
+
+ID
+
+2200.0145
+
+LicenseIdentifier
+
+08.037
+
+State
+
+2200.0146
+
+LicenseIssuingAuthorityStateCode
+
+08.038
+
+Expires
+
+2200.0144
+
+LicenseExpirationDate
+
+08.039
+
+ASC Identifier
+
+2400.0481 AppraisalSubCommitteeAppraiserIdentifier
+
+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.
+
+08.040
+08.041
+
+VA Appraiser ID
+FHA Appraiser ID
+
+2400.0485
+2400.0484
+
+AgencyAppraiserIdentifierType
+AgencyAppraiserIdentifier
+
+08.042
+
+Employment Type 2400.0483 AppaiserEmploymentType
+
+Display “FHA Appraiser ID” when GovernmentAgencyAppraisalType
+"FHA"
+Display “VA Appraiser ID” when GovernmentAgencyAppraisalType
+"VA"
+
+Display when (GovernmentAgencyAppraisalType (UID: 1000.0029
+FID: 2.008) = "VA"
+Always displays report label when GovernmentAgencyAppraisalType
+= “VA”
+
+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: 1000.0131, FID: 8.043) and ValuationAnalysisCategoryType (UID: 1000.0130, FID: Not on report) = “Assignment”.
diff --git a/chunks/txt/93f15ae630e60c2f3c274c6771808c9991f94474140866764442ab59723f60ed.txt b/chunks/txt/93f15ae630e60c2f3c274c6771808c9991f94474140866764442ab59723f60ed.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f44c2a52ccb512e0138dc0ba51601ba8da88de82
--- /dev/null
+++ b/chunks/txt/93f15ae630e60c2f3c274c6771808c9991f94474140866764442ab59723f60ed.txt
@@ -0,0 +1,21 @@
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:24)(cid:28)(cid:17)(cid:20)
+
+Appraisal Version #
+
+(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21)
+
+(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1)
+(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)
+
+(cid: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/9403beee93a97c4adee68f1112d46203ad5e950bdc8d1e08a8d5c9194f2bead9.txt b/chunks/txt/9403beee93a97c4adee68f1112d46203ad5e950bdc8d1e08a8d5c9194f2bead9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..64aabe44d1411d3dc93f9bf201227f9705150406
--- /dev/null
+++ b/chunks/txt/9403beee93a97c4adee68f1112d46203ad5e950bdc8d1e08a8d5c9194f2bead9.txt
@@ -0,0 +1,79 @@
+08.027
+08.042
+
+Employment
+Type
+
+Required on VA
+assignments
+
+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
+
+Reference VA appraisal guidelines for more information.
+
+Allowable Answer
+
+Independent Fee Appraiser
+
+Assignment Information: Employment Type
+
+Definition / Additional Guidance
+
+An independent contractor treated for purposes of federal income taxation as an independent contractor by both the
+lender/client and the appraisal management company ordering the appraisal. The appraiser is issued a Form 1099 and is
+responsible under IRS rules accordingly.
+
+Staff Appraiser
+
+An employee for purposes of federal income taxation by either the lender/client or the appraisal management company
+ordering the appraisal. The appraiser is expected to be issued a Form W-2.
+
+Assignment Information and Scope of Work Commentary
+
+Assignment Information and Scope of Work Commentary
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+08.043 Assignment
+
+If applicable
+
+Free-form
+
+Information and
+Scope of Work
+Commentary
+
+Definition / Additional Guidance
+
+Commentary could include information pertinent to Assignment information
+and Scope of Work that is not captured in the discrete data, or additional
+details to support the discrete data.
+Note: If only an exterior inspection was performed, describe the extent of the
+inspection, (e.g., “from the street,” “walked the property”).
+
+Appendix F-3: Completion Report Reference Guide
diff --git a/chunks/txt/940c8933758c2fe085ec1d8be772525581b9b412e0dbc85941a1565647c37c2a.txt b/chunks/txt/940c8933758c2fe085ec1d8be772525581b9b412e0dbc85941a1565647c37c2a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..937b5054ddc48e0c52c2e5300662124c9bf8579c
--- /dev/null
+++ b/chunks/txt/940c8933758c2fe085ec1d8be772525581b9b412e0dbc85941a1565647c37c2a.txt
@@ -0,0 +1,113 @@
+For all possible Certifications and Scope of Work text that may display on the Restricted Appraisal Update
+Report, see Appendix C-2: Restricted Appraisal Update Report with Report Field IDs (05.001-05.051).
+
+Scope of Work
+
+The Scope of Work subsection always displays.
+
+Report
+Field ID
+
+Not on
+Report
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Scope of Work
+
+Always required
+
+Yes | No
+
+Additional Scope of Work
+Indicates whether there is additional scope of work.
+
+This is an
+appraiser input
+that does not
+display
+
+N/A
+
+05.002
+05.003
+
+When Additional
+Scope of Work is Yes
+
+Free-form
+
+Additional Scope of Work Text
+Note: Additional Scope of Work cannot be contrary to, and should not repeat,
+the predefined scope of work text.
+
+Intended Use
+
+The Intended Use subsection always displays.
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Intended Use
+
+05.005 The intended
+
+use of the
+appraisal is
+solely to assist
+FHA …
+
+N/A
+
+05.006
+05.007
+
+Predefined text that
+displays when
+Government Agency
+Type 04.004 is FHA
+
+When applicable for
+FHA, VA, or USDA
+appraisals
+
+Free-form
+
+Additional Intended Use Text
+Note: Additional Intended Use cannot be contrary to, and should not repeat,
+any of the predefined text.
+
+Appendix F-2: Appraisal Update Report Reference Guide
+
+Page 22 of 28
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+05 Certifications and Scope of Work
+
+Intended User
+
+The Intended User subsection always displays and must match what was in the original appraisal.
+
+Report
+Field ID
+
+05.009
diff --git a/chunks/txt/940d408a1000cbf1064e5d4a13655b96b81c91839b6315cc89f58a34264e241a.txt b/chunks/txt/940d408a1000cbf1064e5d4a13655b96b81c91839b6315cc89f58a34264e241a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9fea9c6a128a2f1ebb7974123c0b75f9ca6b6c99
--- /dev/null
+++ b/chunks/txt/940d408a1000cbf1064e5d4a13655b96b81c91839b6315cc89f58a34264e241a.txt
@@ -0,0 +1,131 @@
+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)
+
+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
+
+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
diff --git a/chunks/txt/94342f690a7472f35648ef8f70651702586fb18897157cd7bbd6923a153884aa.txt b/chunks/txt/94342f690a7472f35648ef8f70651702586fb18897157cd7bbd6923a153884aa.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c88440f89ed40992ddb584409ab126ec86a7dd84
--- /dev/null
+++ b/chunks/txt/94342f690a7472f35648ef8f70651702586fb18897157cd7bbd6923a153884aa.txt
@@ -0,0 +1,58 @@
+C1
+C1
+C1
+
+Reconciliation of Overall Quality and Condition
+
+The subject is new construction that is less than 12 months old, never lived in, and meets the C1 rating definition. The subject was built with
+materials that align with a Q3 rating. Though the subject is not custom it was built with materials to withstand the elements and have lower
+overall maintenance.
+
+Appraiser Reference ID 123456Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 2 (Condo2)
+
+Uniform Residential Appraisal Report
+
+Page 11 of 24
+Page 11 of 24
+
+Highest and Best Use
+
+Is the present use of the subject property …
+
+Legally Permissible
+Physically Possible
+
+Yes
+Yes
+
+Financially Feasible
+Maximally Productive
+
+Yes
+Yes
+
+Yes No
+Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  
+
+Highest and Best Use Commentary
+
+The subject is a legally permissible use based on its current zoning. Also, the lot size, shape, and land-to-building ratio allow the present
+structure and indicate a good utilization of the improvements.
+
+Market
+
+Market Area Boundary Pioneer Drive to the North, Bailey Road to the East, Military Road to the South, Radio Drive to the West.
+
+Search Criteria Description Search limited to site condominium housing with a footprint between 1,300-1,800 Sq. Ft. Additional limiting
+factors include 2-4 bedrooms, 2-4 bathrooms, and a basement.
+
+Search Result Metrics
+
+Active Listings
+
+Median Days on Market
+Lowest List Price
+Median List Price
+Highest List Price
+
+Pending Sales
diff --git a/chunks/txt/9446ef41ee0505171d853f0b45f50e4f6e6d5d43592c0fbcf8f05d94a3c52265.txt b/chunks/txt/9446ef41ee0505171d853f0b45f50e4f6e6d5d43592c0fbcf8f05d94a3c52265.txt
new file mode 100644
index 0000000000000000000000000000000000000000..79120c38cee455daa45a5cd00c564d16f7c455ec
--- /dev/null
+++ b/chunks/txt/9446ef41ee0505171d853f0b45f50e4f6e6d5d43592c0fbcf8f05d94a3c52265.txt
@@ -0,0 +1,13 @@
+Important UCD activities, milestones and timelines are published on FannieMae.com and FreddieMac.com. Stay abreast of the latest information by monitoring for announcements from the GSEs on their respective websites or by subscribing to email updates.
+
+**17. What value is expected in the GSE-Specific Data Point LoanPriceQuoteInterestRatePercent?**
+
+The MISMO v3.3.0 Logical Data Dictionary definition for this data point (which is incorporated into the UCD v1.5 and UCD v2.0) is: “The mortgage loan interest rate for which the price quote is calculated.” To ensure the correct rate is delivered in this data point, the GSEs included an Implementation Note in the UCD v2.0 explaining that the expected value is the interest rate offered to the borrower prior to their electing to purchase discount points. This data point is required whenever the FeeActualPaymentAmount value for FeeType (v1.5) / ucd:FeeItemType (v2.0) = “LoanDiscountPoints” is greater than zero. Additionally, LoanPriceQuoteInterestRatePercent must be greater than the NoteRatePercent when RegulationZExcludedBonaFideDiscountPointsIndicator is “true”.
+
+**18. Are the Phase 3B Postponed and Phase 4 edits supported by the UCD v2.0 requirements?**
+
+Yes. If you fully comply with the cardinality and conditionality specified in UCD v2.0, you will meet all critical edit requirements. Datapoints under critical edits are identified on Tab 7-UCD v2.0 XML Requirements in column N “Critical Edit Phase or Phase-ID”.
+
+**19. Do I need to implement UCD v2.0 to comply with Phase 4A critical edits?**
+
+No. During the transition period (prior to mandate), UCD XML files can be submitted in either the UCD v1.5 format or UCD v2.0 format. The logic and requirements to meet UCD Critical Phase 4A Edits are the same in both UCD v1.5 and UCD v2.0.
diff --git a/chunks/txt/946b86ce4793ccff24a4ebb2b68d8ffa6a412b4617d5657b8ea4de3ebab84e11.txt b/chunks/txt/946b86ce4793ccff24a4ebb2b68d8ffa6a412b4617d5657b8ea4de3ebab84e11.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d73fa6212faf0f87b6892cefc0cff653c54fda93
--- /dev/null
+++ b/chunks/txt/946b86ce4793ccff24a4ebb2b68d8ffa6a412b4617d5657b8ea4de3ebab84e11.txt
@@ -0,0 +1,164 @@
+2020 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
+25
+
+BorrowerCount
+BorrowerFirstTimeHomebuyer
+Borrower1Race1Type
+
+NumBor
+First
+BoRace
+
+Borrower Count
+Borrower First Time Homebuyer Indicator
+Borrower1 Race 1 Type
+
+26
+
+Borrower2Race1Type
diff --git a/chunks/txt/946f27b1824672d7597dfc41011356227a036ce8e191863e5fe7f4b96f36e258.txt b/chunks/txt/946f27b1824672d7597dfc41011356227a036ce8e191863e5fe7f4b96f36e258.txt
new file mode 100644
index 0000000000000000000000000000000000000000..21a91f4bfa8372524a9ad50ca2e6e078e154ac9e
--- /dev/null
+++ b/chunks/txt/946f27b1824672d7597dfc41011356227a036ce8e191863e5fe7f4b96f36e258.txt
@@ -0,0 +1,113 @@
+Report Field
+ID
+
+Report Label
+
+Unique ID
+
+MISMO Data Point Name
+
+Display Rules
+
+Rental Information: Comparable Rental Properties – Comparable Property Information
+
+23.02.03.01
+
+No label
+
+1400.0651
+
+ImageCategoryType
+
+23.02.02
+
+Comparable #
+
+2000.0078
+
+PropertyOrdinalNumber
+
+2000.0061
+
+AddressLineText
+
+A thumbnail of the property photo for the comparable unit displays when provided.
+It is delivered with ImageCategoryType = “PropertyPhoto”. When applicable, photo
+redisplays in Rental Information Exhibits.
+Always displays.
+Numbered sequentially beginning at 1.
+Redisplays in 23.03.24 when the comparable unit is compared to a subject property
+unit.
+Always displays
+
+2000.0117
+
+AddressUnitDesignatorType
+
+Display when AddressUnitIdentifier Exists
+
+2000.0062
+
+AddressUnitIdentifier
+
+Display if exists
+
+23.02.03
+
+No label
+
+23.02.04
+
+Data Source:
+
+2000.0063
+
+CityName
+
+2000.0065
+
+StateCode
+
+2000.0064
+
+PostalCode
+
+0700.0125
+
+DataSourceType
+
+1800.0347
+
+DataSourceIdentifier
+
+23.02.05
+
+Lease Start Date:
+
+2000.0038
+
+23.02.06
+
+Actual Rent:
+
+2000.0041
+
+LeaseStartDate
+UnitMonthlyActualRentAmount
+
+Comparable Rental Analysis
+
+Always displays
+
+Always displays
+Separate multiple data sources with “|”
+
+Display when DataSourceType = “MLS” OR if Exists
+Display DataSourceType and DataSourceIdentifier in the same cell. Separate
+multiple data sources with “|”
+Display if exists
+
+Always displays
+
+The Comparable Rental Analysis subsection displays when the Rental Information section displays. It includes all subject property units with
+UnitIncludedInRentScheduleIndicator (UID: 0700.0065, FID: Not on report) = "true".
diff --git a/chunks/txt/947aeb7b095ba56e9ff3a4b088c464473834e2bb6b192410f1f7d4da2625ed0c.txt b/chunks/txt/947aeb7b095ba56e9ff3a4b088c464473834e2bb6b192410f1f7d4da2625ed0c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7b81ab74b12fd68f69012cdbcf7ec5f468acec7b
--- /dev/null
+++ b/chunks/txt/947aeb7b095ba56e9ff3a4b088c464473834e2bb6b192410f1f7d4da2625ed0c.txt
@@ -0,0 +1,72 @@
+o The number starts with the section number, as shown in URAR Section Organization. For example,
+
+fields displaying in the Subject Property section start with 3.
+
+o Not on Report indicates that the information is included in the data but does not display.
+o Specific Report Field IDs for photos and images are not indicated in the Reference Guide. Refer to
+
+the iGuide or UAD Spec for more information.
+
+• Green rows in tables in the Reference Guide represent information that is applicable only to FHA, VA, or
+
+USDA appraisals.
+
+• Field Names in the Reference Guide use business terminology and are in italics.
+
+o Field Names provide additional clarity to the Report Label, and express conditionality (“When to
+
+include”) in business terms.
+
+o Field Names in the Reference Guide are similar to, but not the same as, the MISMO Data Point
+
+Name in the iGuide and UAD Spec.
+
+Appendix F-1: URAR Reference Guide
+
+Page 12 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Overview
+
+Example of Field Names in the Reference Guide
+
+In this example, the Report Label “Detail” includes these field names, depending on Vehicle Storage Type.
+• For the Driveway:
+
+o Driveway Surface Material is Asphalt
+
+• For the Garage:
+
+o Vehicle Storage Attachment Type is Attached
+o Vehicle Storage Area is 626 sq. ft.
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Vehicle Storage – Information for each Vehicle Storage Type
+
+13.003 Detail
+
+13.003 Detail
+
+13.003 Detail
+
+Required if Vehicle
+Storage Type is
+Carport or Garage
+
+Required if Vehicle
+Storage Type is
+Carport or Garage
diff --git a/chunks/txt/948ec3226f9dcf9fa0b4f99befab7b4c523a4c597eb6c0d263cab25096e8a8a6.txt b/chunks/txt/948ec3226f9dcf9fa0b4f99befab7b4c523a4c597eb6c0d263cab25096e8a8a6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f346107ca75c417406afd571c9dcf446a1530f87
--- /dev/null
+++ b/chunks/txt/948ec3226f9dcf9fa0b4f99befab7b4c523a4c597eb6c0d263cab25096e8a8a6.txt
@@ -0,0 +1,8 @@
+Release Support
+This update will be available in the DU Integration environment on or about May 21, 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. For more information about DU, visit the DU webpage or contact your Fannie Mae representative.
+
+© 2025 Fannie Mae
+
+04.21.25 1 of 1
diff --git a/chunks/txt/94a369b36ba20f204b457913c331b897df9014da3ffad4f4f8769f757efbd6d9.txt b/chunks/txt/94a369b36ba20f204b457913c331b897df9014da3ffad4f4f8769f757efbd6d9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a55562e66700589334fd7a4a82b86f2d5b4a5e7e
--- /dev/null
+++ b/chunks/txt/94a369b36ba20f204b457913c331b897df9014da3ffad4f4f8769f757efbd6d9.txt
@@ -0,0 +1 @@
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"taxonomy\/term\/206","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\/collateral-pledged-to-fhlbanks":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:14a1a881c2ab6956873e41a93f33a375622be3b937beb0a7a0931e139a2ae896":{"view_name":"reports_taxonomy_view","view_display_id":"block_1","view_args":"206","view_path":"\/taxonomy\/term\/206","view_base_path":null,"view_dom_id":"14a1a881c2ab6956873e41a93f33a375622be3b937beb0a7a0931e139a2ae896","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/94b625a74871cc97e55155f7774dda5ee70afbe2f76bbc7eaf72c05791166f37.txt b/chunks/txt/94b625a74871cc97e55155f7774dda5ee70afbe2f76bbc7eaf72c05791166f37.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ff514ed0e2b162374ceb501dc5f45748e7669a4f
--- /dev/null
+++ b/chunks/txt/94b625a74871cc97e55155f7774dda5ee70afbe2f76bbc7eaf72c05791166f37.txt
@@ -0,0 +1,36 @@
+[]()
+
+- [Home](/)
+ - [Delivering](/delivering)
+ - [Uniform Mortgage Data Program](/delivering/uniform-mortgage-data-program)
+ - Uniform Appraisal Dataset
+
+Delivering
+
+# Uniform Appraisal Dataset
+
+Improving the quality and consistency of appraisal data
+
+Fannie Mae and Freddie Mac (the GSEs) have worked on the UAD redesign since 2018, leveraging extensive stakeholder input to update the appraisal dataset, align it with current mortgage industry data standards (MISMO® v3.6), and replace the GSE appraisal forms with a single data-driven, flexible, and dynamic appraisal report for any residential property type. To begin the multiyear rollout phase, the GSEs have published the technical specifications and resources below.
+
+**Coming soon: accessory dwelling unit (ADU) and manufactured housing (MH) financing opportunities for UAD 3.6 users**
+
+Meet the growing demand for flexible housing options with expanded MH and ADU policy updates. These updates will be available in Desktop Underwriter® on Mar. 31, 2026 – prepare now for your transition to the new UAD.
+
+[Check out the update](/media/document/pdf/announcement-sel-2025-10-selling-guide-updates)
+
+![image](/sites/g/files/koqyhd181/files/icons/2025-04/3%20people%20talking.svg)
+
+[Announcements](#uad-announcements)
+
+![image](/sites/g/files/koqyhd181/files/icons/2025-04/plug.svg)
+
+[Get Started with UAD 3.6](#uad-36-resources)
+
+![image](/sites/g/files/koqyhd181/files/icons/2019-10/fact-sheet.svg)
+
+[UAD 3.6 Documentation](#uad-documentation)
+
+![image](/sites/g/files/koqyhd181/files/icons/2019-10/technology.svg)
+
+[UAD 2.6 and Resources](#uad-26-resources)
diff --git a/chunks/txt/94bdca14f9324b4fab07c031ed6a84281338f8994daa5b3fb59458117ee4ce77.txt b/chunks/txt/94bdca14f9324b4fab07c031ed6a84281338f8994daa5b3fb59458117ee4ce77.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ed42747eb00e85583176a8d959a22cce76acfd89
--- /dev/null
+++ b/chunks/txt/94bdca14f9324b4fab07c031ed6a84281338f8994daa5b3fb59458117ee4ce77.txt
@@ -0,0 +1,120 @@
+Completion Status Example 2
+
+In this example, the construction is not complete.
+
+Appendix F-3: Completion Report Reference Guide
+
+Page 17 of 33
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+05 Completion Status
+
+Completion Status Example 3
+
+In this example, the construction is complete, but not consistent with the original plans and specs.
+
+Completion Status Questions
+
+Report
+Field ID
+
+05.001
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Completion Report - Completion Status Questions
+
+Is construction
+complete?
+
+Required if Original
+Market Value
+Condition 02.003
+includes Subject to
+Completion Per Plans
+
+Yes | No
+
+Construction Complete
+
+Required if
+Construction Complete
+is Yes
+
+Photo
+
+If construction is complete, photo(s) of the completed construction must be
+provided, which display in Completion Report Exhibits with the caption
+“Completed Construction.” An additional caption may be provided to further
+identify each photo.
+
+Required if
+Construction Complete
+is Yes
+
+Yes | No
+
+Construction Consistent with Original Plans and Specs
+
+See
+iGuide
+
+N/A
+
+05.002 Was
+
+construction
+completed in a
+manner
+consistent with
+the original
+plans and
+specifications?
+
+Appendix F-3: Completion Report Reference Guide
+
+Page 18 of 33
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+05 Completion Status
+
+Completion Status Table
+
+The Completion Status table displays if Construction Consistent with Original Plans and Specs (05.002) is No.
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+05.003
+
+Feature
+
+N/A
+
+See
+iGuide
+
+05.004
+
+Location
+
+05.005 Comparison to
+Original Plans /
+Specs
diff --git a/chunks/txt/94d08d95b564349424370dce7ef5ae490f89805eb837f26a9716c8a6abd5a661.txt b/chunks/txt/94d08d95b564349424370dce7ef5ae490f89805eb837f26a9716c8a6abd5a661.txt
new file mode 100644
index 0000000000000000000000000000000000000000..aae16855fc851b3adebf9a606ebc5ba327130475
--- /dev/null
+++ b/chunks/txt/94d08d95b564349424370dce7ef5ae490f89805eb837f26a9716c8a6abd5a661.txt
@@ -0,0 +1,74 @@
+Are there any adverse site conditions or
+external factors (easements,
+encroachments, environmental
+conditions, land uses, etc.)? No
+Are there any adverse site conditions or
+external factors (easements,
+encroachments, environmental
+conditions, land uses, etc.)? If Yes,
+describe
+Data source(s) for project information
+
+Property Analysis
+Exists Indicator
+
+Indicates that the aspect of analysis is
+present in the property.
+
+/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='
+AdverseSiteConditions' and @_ExistsIndicator='Y']
+
+Property Analysis
+Exists Indicator
+
+Indicates that the aspect of analysis is
+present in the property.
+
+/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='
+AdverseSiteConditions' and @_ExistsIndicator='N']
+
+Property Analysis
+Comment
+
+Data Source
+Description
+
+A free-form text field that holds the
+property analysis comments for the
+analysis category specified by Property
+Analysis Type.
+A free-form text field used to describe the
+source of information.
+
+/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='
+AdverseSiteConditions']/@_Comment
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/@DataSourceDescription
+
+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'
+]
+
+PROJECT
+INFORMATION
+
+Project Description
+Row or Townhouse
+
+Project Design Type
+
+This field specifies the type of design for
+the multiple unit buildings in a project.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT[@_DesignType='Townhou
+seRowhouse']
diff --git a/chunks/txt/94d582bd3dfae5ff333a8519bbb3bb07d6350aa8a767ff3f4950fc970c0e2aed.txt b/chunks/txt/94d582bd3dfae5ff333a8519bbb3bb07d6350aa8a767ff3f4950fc970c0e2aed.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4f2fdcff393eab42d2a485f143dc28a1d66a10a7
--- /dev/null
+++ b/chunks/txt/94d582bd3dfae5ff333a8519bbb3bb07d6350aa8a767ff3f4950fc970c0e2aed.txt
@@ -0,0 +1,19 @@
+Consistent with the Open Government Data Act and other federal requirements, FHFA also publishes certain data governance documents and similar resources for public awareness.
+
+FHFA’s Open Data point of contact is the Agency’s Chief Data Officer, Shawn Bucholtz. You may contact FHFA regarding [Data and Research](/contact/data-and-research) or with [general questions or feedback](/contact/general).
+
+## [Downloadable Data](/data/datasets)
+
+Downloadable data sets include: Conforming Loan Limits, Duty to Serve, Enterprise Housing Goals, Fair Lending, Federal Home Loan Bank (FHLBank) Member, FHLBank Stress Tests for Market and Credit Risk, FHFA House Price Index (FHFA HPI®), FHFA Uniform Appraisal Dataset Aggregate Statistics, Market Data, MIRS Transition Index, National Mortgage Database Aggregate Data (National Mortgage Database (NMDB®)), National Survey of Mortgage Originations, Public Use Databases, and Underserved Areas Data
+
+## [Reports](/reports)
+
+Economists, policy analysts, and others within FHFA engage in a wide array of research activities. We make reports that focus on mortgage markets trends and a variety of market health indicators available to the public.
+
+## [FHFA Stats Blog](/blog?blog_category[13281]=13281)
+
+The Stats Blog highlights how FHFA uses data to monitor the health of the nation’s housing markets. Each blog post focuses on a single aspect of the housing market, offering critical insights on data availability, usage, and limitations.
+
+## [Dashboards](/data/dashboard)
+
+The FHFA Tools page contains interactive maps for House Price Index®, Duty to Serve, Borrower Assistance, UAD Aggregate Statistics, and Conforming Loan Limit.
diff --git a/chunks/txt/94dcc9baf03bf9c5cd1482a0f673e1761311a245ea554a0a5edd6cc622438a51.txt b/chunks/txt/94dcc9baf03bf9c5cd1482a0f673e1761311a245ea554a0a5edd6cc622438a51.txt
new file mode 100644
index 0000000000000000000000000000000000000000..75031d0142deb018ee9a03912717adb89cf1edd9
--- /dev/null
+++ b/chunks/txt/94dcc9baf03bf9c5cd1482a0f673e1761311a245ea554a0a5edd6cc622438a51.txt
@@ -0,0 +1,23 @@
+​​​View Full Fact Sheet (PDF)​​​ ​​ BACKGROUND​ The Federal Housing Finance Agency (FHFA) requires sales of non- performing loans (NPLs) and re-performing loans (RPLs) by Freddie Mac and Fannie Mae (the Enterprises) to meet specific requirements. Drawing on the Enterprises’ experience with NPL and...
+ - Fact Sheet
+
+March 23, 2023
+
+## [Fact Sheet: Credit Score Models and Credit Report Requirements](/news/fact-sheet/fact-sheet-credit-score-models-and-credit-report-requirements)
+
+​ ​View ​ Full Fact Sheet (PDF) FHFA Announces Proposed Implementation Timelines for Credit Score Models and Credit Report Requirements and a Public Engagement Process The Federal Housing Finance Agency (FHFA) announced proposed implementation timelines for the use of the FICO 10T and the...
+ - Fact Sheet
+
+February 23, 2023
+
+## [Proposed Rule to Amend Enterprise Regulatory Capital Framework](/news/fact-sheet/proposed-rule-to-amend-enterprise-regulatory-capital-framework)
+
+​​​​ ​​​​​​FHFA PROPOSED RULE TO AMEND ENTERPRISE REGULATORY CAPITAL FRAMEWORK Background ​​The Housing and Economic Recovery Act of 2008 amended the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 to require the Federal Housing Finance Agency (FHFA) to establish, by...
+ - Fact Sheet
+
+December 20, 2022
+
+## [FHFA Factsheet on the New Enterprise Products and Activities Final Rule](/news/fact-sheet/fhfa-factsheet-on-the-new-enterprise-products-and-activities-final-rule)
+
+​View Full Fact Sheet (PDF) FINAL RULE FOR PRIOR APPROVAL OF ENTERPRISE PRODUCTS BACKGROUND Section 1321 of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended by section 1123 of the Housing and Economic Recovery Act of 2008 (Safety and Soundness Act), requires...
+ - Fact Sheet
diff --git a/chunks/txt/94de6deb09aa317a4eae4c180a61a66ebfb2716a3518335bb7ef0dd83dd22a0a.txt b/chunks/txt/94de6deb09aa317a4eae4c180a61a66ebfb2716a3518335bb7ef0dd83dd22a0a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b6c71db052b25a1b249d0622f1775ee3c661fa8c
--- /dev/null
+++ b/chunks/txt/94de6deb09aa317a4eae4c180a61a66ebfb2716a3518335bb7ef0dd83dd22a0a.txt
@@ -0,0 +1,84 @@
+<LEGAL_ENTITY_DETAIL>
+
+<FullName>HOA Acre Inc.</FullName>
+
+</LEGAL_ENTITY_DETAIL>
+
+</LEGAL_ENTITY>
+ </FEE_PAID_TO>
+ <FEE_PAYMENTS>
+ <FEE_PAYMENT>
+
+<FeeActualPaymentAmount>500.00</FeeActualPaymentAmount>
+ <FeePaymentPaidByType>Buyer</FeePaymentPaidByType>
+ <FeePaymentPaidOutsideOfClosingIndicator>false</FeePaymentPaidOutsideOfClosingIndicator>
+
+</FEE_PAYMENT>
+ </FEE_PAYMENTS>
+</FEE>
+ </FEES>
+
+…
+</MESSAGE>
+
+UCD v2.0 Implementation Guide
+
+- 101 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+N. LOAN CALCULATION AND FORECLOSURE DATA
+
+The next containers in the XML file provide summary data about the costs of the loan and the borrower’s rights if the loan is
+foreclosed upon.
+
+UCD UID
+
+999.223
+
+999.224
+
+999.225
+
+999.226
+
+999.277
+
+Table 46. XML File Container Structure for Loan Calculations and Foreclosure Data.
+
+Container Name
+
+UCD Usage Notes
+
+FEES_SUMMARY
+
+Holds containers with data points summarizing and totaling costs of the
+mortgage loan.
+
+FEE_SUMMARY_DETAIL
+
+Holds data points summarizing the total cost of the loan.
+
+FORECLOSURES
+
+Holds one set of foreclosure information (one instance of FORECLOSURE).
+
+FORECLOSURE
+
+Holds the container and data point about foreclosure of the subject loan.
+
+FORECLOSURE_DETAIL
+
+In the UCD, holds one data point with information about future disclosure.
+
+1. LOAN CALCULATION DATA
+
+The following five calculations summarizing how much it will cost the borrower for financing the mortgage populate the
+
+“Loan Calculations” table on the CD and are all contained in FEE_SUMMARY.
+
+Figure 70. Rendering Loan Calculation Data on the CD.
diff --git a/chunks/txt/94eb583f7cbc3549cad575fd9e8c659bc8282211e53f9c81c1d9e70594dd1506.txt b/chunks/txt/94eb583f7cbc3549cad575fd9e8c659bc8282211e53f9c81c1d9e70594dd1506.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bb48402d3a36666a06a3fae030b41907b991da87
--- /dev/null
+++ b/chunks/txt/94eb583f7cbc3549cad575fd9e8c659bc8282211e53f9c81c1d9e70594dd1506.txt
@@ -0,0 +1 @@
+© 2025 Fannie Mae 6.18.25 1 of 1
diff --git a/chunks/txt/94fb4417ef7840731e98318359f8a8a4043ec5b599894cfc4f5d2afa3efc02eb.txt b/chunks/txt/94fb4417ef7840731e98318359f8a8a4043ec5b599894cfc4f5d2afa3efc02eb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ca89d0086c391eccf3a5ce74936b98a1e39a6bda
--- /dev/null
+++ b/chunks/txt/94fb4417ef7840731e98318359f8a8a4043ec5b599894cfc4f5d2afa3efc02eb.txt
@@ -0,0 +1,4 @@
+Year: 2010 | Loan Number: 1 | FHLBankID: Boston | Program: 1 | FIPSStateCode: 04 | FIPSCountyCode: 013 | MSA: 99999 | FeatureID: 0000037065 | Tract: 0101.00 | MinPer: 3.64 | TraMedY: 85567 | LocMedY: 44769 | Tractrat: 1.9113 | Income: 211788 | CurAreY: 66600 | IncRat: 3.18 | UPB: 322000 | LTV: 0.7854 | MortDate: 2010 | AcquDate: 2010 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 180 | AmorTerm: 180 | FHFBID: 54835 | Seller: General Electric Employe | SellCity: Milford | SellSt: CT | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 5 | BoSex: 2 | CoSex: 1 | BoAge: 45 | CoAge: 39 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0388 | Amount: 322000 | Front: 0.1296 | Back: 0.2111 | Borrower Credit Score: 5 | Co-Borrower Credit Score: 5 | PMI: 0 | Self: 2 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 2 | Corace2: 6 | Corace3: 6 | Corace4: 6 | Corace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2
+Year: 2010 | Loan Number: 2 | FHLBankID: Boston | Program: 1 | FIPSStateCode: 09 | FIPSCountyCode: 001 | MSA: 99999 | FeatureID: 0000205720 | Tract: 0726.00 | MinPer: 24.22 | TraMedY: 44167 | LocMedY: 64875 | Tractrat: 0.6808 | Income: 35541 | CurAreY: 104300 | IncRat: 0.3408 | UPB: 140000 | LTV: 0.7292 | MortDate: 2010 | AcquDate: 2010 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 360 | AmorTerm: 360 | FHFBID: 54835 | Seller: General Electric Employe | SellCity: Milford | SellSt: CT | SellType: 1 | NumBor: 2 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 5 | BoSex: 1 | CoSex: 2 | BoAge: 53 | CoAge: 46 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0475 | Amount: 140000 | Front: 0.4175 | Back: 0.4348 | Borrower Credit Score: 5 | Co-Borrower Credit Score: 5 | PMI: 0 | Self: 1 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 2 | Corace2: 6 | Corace3: 6 | Corace4: 6 | Corace5: 6 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2
+Year: 2010 | Loan Number: 3 | FHLBankID: Boston | Program: 1 | FIPSStateCode: 09 | FIPSCountyCode: 001 | MSA: 99999 | FeatureID: 0000206996 | Tract: 0612.00 | MinPer: 11.32 | TraMedY: 65361 | LocMedY: 64875 | Tractrat: 1.0075 | Income: 79944 | CurAreY: 104300 | IncRat: 0.7665 | UPB: 181000 | LTV: 0.6582 | MortDate: 2010 | AcquDate: 2010 | Purpose: 2 | Coop: 2 | Product: 1 | FedGuar: 0 | Term: 180 | AmorTerm: 180 | FHFBID: 54835 | Seller: General Electric Employe | SellCity: Milford | SellSt: CT | SellType: 1 | NumBor: 1 | First: 2 | CICA: 9 | BoRace: 5 | CoRace: 8 | BoSex: 2 | CoSex: 4 | BoAge: 55 | CoAge: 98 | Occup: 1 | NumUnits: 1 | Bed1: 98 | Bed2: 98 | Bed3: 98 | Bed4: 98 | Aff1: 2 | Aff2: 2 | Aff3: 2 | Aff4: 2 | Rent1: 9999999999 | Rent2: 9999999999 | Rent3: 9999999999 | Rent4: 9999999999 | RentUt1: 9999999999 | RentUt2: 9999999999 | RentUt3: 9999999999 | RentUt4: 9999999999 | Geog: 2 | Rate: 0.0388 | Amount: 181000 | Front: 0.2641 | Back: 0.3646 | Borrower Credit Score: 4 | Co-Borrower Credit Score: 9 | PMI: 0 | Self: 2 | PropType: PT01 | ArmIndex: 99 | ArmMarg: 99999 | PrepayP: 12/31/9999 | BoEth: 2 | Race2: 6 | Race3: 6 | Race4: 6 | Race5: 6 | CoEth: 5 | Corace2: 8 | Corace3: 8 | Corace4: 8 | Corace5: 8 | HOEPA: 2 | LienStatus: 1 | SpcHsgGoals: 2 | FedFinStbltyPlan: 2 | AcqTyp: 1 | GSEREO: 2
+Year: 2010 | Loan Number: 4 | FHLBank
diff --git a/chunks/txt/94ff7f75432343c3a92a3cc137a5da8490676cf754703492aa815e2cb782eb73.txt b/chunks/txt/94ff7f75432343c3a92a3cc137a5da8490676cf754703492aa815e2cb782eb73.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3dfb8fd1a7f0738b93ce8d15c8e09137945f1b79
--- /dev/null
+++ b/chunks/txt/94ff7f75432343c3a92a3cc137a5da8490676cf754703492aa815e2cb782eb73.txt
@@ -0,0 +1,111 @@
+Site Utility Public
+Indicator
+
+Indicates whether the utility specified
+by Site Utility Type is a public utility.
+
+/VALUATION_RESPONSE/PROPERTY/SITE
+/SITE_UTILITY[@_Type='Water']/@_PublicIn
+dicator
+
+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='Water']/@_NonPubl
+icIndicator
+
+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 water service is present, indicate 'None' in the description field.
+
+UAD Requirement - Refer to Appendix D Site Section
+A value of 'Y' indicates that the box has been checked, a value of 'N' indicates
+that the box has not been checked.
+
+Boolean
+
+1
+
+1
+
+If no water service is present, indicate 'None' in the description field.
+
+Site Utility Non
+Public Description
+
+A free-form text field used to describe
+the ownership of the utility specified
+by Site Utility Type if it is a non-
+public utility.
+
+/VALUATION_RESPONSE/PROPERTY/SITE
+/SITE_UTILITY[@_Type='Water']/@_NonPubl
+icDescription
+
+25
+
+String
+
+UAD Requirement - Refer to Appendix D Site Section
+This field must indicate the water source if present and not public. If no water
+service is present, indicate 'None' in the description field.
+
+101
+
+SITE
+
+102
+
+SITE
+
+103
+
+SITE
+
+104
+
+SITE
+
+105
+
+SITE
+
+106
+
+SITE
+
+107
+
+SITE
+
+108
+
+SITE
+
+Utilities
+Water
+Public
+
+Utilities
+Water
+Other
+
+Utilities
+Water
+Other (describe)
+
+Utilities
+Sanitary Sewer
+Public
+
+Site Utility Public
+Indicator
diff --git a/chunks/txt/9518d48011d727b218035972aa2ede7652ce85bfe5a14a782de7388e47df5694.txt b/chunks/txt/9518d48011d727b218035972aa2ede7652ce85bfe5a14a782de7388e47df5694.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a2e46b9f4866cdd784231415f72108771744f438
--- /dev/null
+++ b/chunks/txt/9518d48011d727b218035972aa2ede7652ce85bfe5a14a782de7388e47df5694.txt
@@ -0,0 +1,136 @@
+Known Building Certifications
+Indicates whether the property has obtained green, health, or wellness
+certifications that are known to the appraiser.
+
+No
+
+No
+
+No
+
+When included, provides support for the Energy Efficient and Green
+Features adjustment (22.06.04).
+
+No
+
+When included, provides support for the Energy Efficient and Green
+Features adjustment (22.06.04).
+
+Appendix F-1: URAR Reference Guide
+
+Page 244 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: Energy Efficient and Green Features
+
+22.06.02
+22.06.06
+
+Building
+Certification
+
+If relevant
+
+22.06.03
+22.06.07
+
+Efficiency
+Rating
+
+If relevant
+
+22.06.03
+22.06.07
+
+Efficiency
+Rating
+
+If relevant
+
+22.06.03
+22.06.07
+
+Efficiency
+Rating
+
+If relevant
+
+Free-form
+
+Yes | No
+
+Free-form
+
+Free-form
+
+If applicable when
+Known Building
+Certifications is Yes,
+and the row is
+included in the sales
+comparison grid
+
+Required when the
+row is included in the
+sales comparison grid
+
+Required when Known
+Efficiency Ratings is
+Yes, and the row is
+included in the sales
+comparison grid
+
+Required when Known
+Efficiency Ratings is
+Yes, and the row is
+included in the sales
+comparison grid
+
+Energy Efficient and
+Green Features
+•
+
+Building
+Certification
+Rating 6.009
+
+Energy Efficient and
+Green Features
+•
+
+Known Efficiency
+Ratings 6.010
+
+Energy Efficient and
+Green Features
+•
+
+Efficiency Rating
+Name 6.012
diff --git a/chunks/txt/9519b4d0bdb66bd7a99fad7a2fc301a680b260488946e54bc20d6b4b5d75bdce.txt b/chunks/txt/9519b4d0bdb66bd7a99fad7a2fc301a680b260488946e54bc20d6b4b5d75bdce.txt
new file mode 100644
index 0000000000000000000000000000000000000000..785cbd998b22758d92be9377496f18af3b5c2609
--- /dev/null
+++ b/chunks/txt/9519b4d0bdb66bd7a99fad7a2fc301a680b260488946e54bc20d6b4b5d75bdce.txt
@@ -0,0 +1,23 @@
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+46
+
+Data PointsContainersLegend:Section 6: Acknowledgements and AgreementsMESSAGEEXECUTIONDOCUMENT_SETSDOCUMENTDOCUMENT_SETSIGNATORIESSIGNATORYExecutionDateEXECUTION_DETAILDOCUMENTS
+
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+47
+
+Data PointsContainersLegend:Section 7: Military ServiceDEALBORROWERPARTIESPARTYROLESROLEBORROWER_DETAILSelfDeclaredMIlitaryServiceIndicatorSpousalVABenefitsEligibilityIndicatorMILITARY_SERVICEMILITARY_SERVICESMilitaryStatusTypeMilitaryServiceExpectedCompletionDate
+
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+48
+
+Data PointsContainersLegend:Section 8: Demographic InformationGOVERNMENT_MONITORINGHMDA_RACEHMDA_ETHNICITY_ORIGINSHMDA_RACESHMDA_ETHNICITY_ORIGINHMDA_RACE_DESIGNATIONSHMDA_RACE_DETAILULAD:HMDARaceDesignationTypeULAD:HMDARaceDesignationOtherAsianDescriptionULAD:HMDARaceDesignationOtherPacificIslanderDescriptionHMDAEthnicityRefusalIndicatorHMDAGenderRefusalIndicatorHMDARaceRefusalIndicatorHMDAEthnicityCollectedBasedOnVisualObservationOrSurnameIndicatorHMDAGenderCollectedBasedOnVisualObservationOrNameIndicatorHMDARaceCollectedBasedOnVisualObservationOrSurnameIndicatorGOVERNMENT_MONITORING_DETAILHMDARaceTypeHMDARaceTypeAddtionalDescriptionHMDA_RACE_DESIGNATIONHMDAEthnicityOriginTypeHMDAEthnicityOriginTypeOtherDescriptionDEALBORROWERPARTIESPARTYROLESROLEEXTENSIONULAD:HMDA_ETHNICITIESOTHERULAD:HMDA_ETHNICITYULAD:HMDAEthnicityTypeEXTENSIONOTHERULAD:HMDAGenderTypeULAD:ApplicationTakenMethodTypeULAD:GOVERNMENT_MONITORING_EXTENSIONULAD:GOVERNMENT_MONITORING_DETAIL_EXTENSIONEXTENSIONOTHERULAD:HMDA_RACE_DESIGNATION_EXTENSION
diff --git a/chunks/txt/951eedb784b1e305bb4323dcc8d689768508b34f52771f901299702fe848f65f.txt b/chunks/txt/951eedb784b1e305bb4323dcc8d689768508b34f52771f901299702fe848f65f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ca18f850eb20bce2f670e2d507abe8dcb9081d07
--- /dev/null
+++ b/chunks/txt/951eedb784b1e305bb4323dcc8d689768508b34f52771f901299702fe848f65f.txt
@@ -0,0 +1,199 @@
+CR
+
+CR
+
+CR
+
+Form FNM 1004 FRE 70
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 64 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
+
+342
+
+2
+
+e-23
+
+SALES
+COMPARISON
+APPROACH
+
+Rooms Below Grade
+
+(Line 2)
+
+GSE Below Grade
+Bathroom Room
+Count
+
+The number of bathrooms below
+grade.
+
+343
+
+2
+
+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.
+
+344
+
+345
+
+346
+
+347
+
+348
+
+349
+
+350
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+84
+
+85
+
+86
+
+87
+
+88
+
+89
+
+90
+
+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.
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+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.)
+
+Functional Utility
+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/951efe5f7cbf5c9b84d430177a6322dae4672f52968e3fc0cd6fa67184439563.txt b/chunks/txt/951efe5f7cbf5c9b84d430177a6322dae4672f52968e3fc0cd6fa67184439563.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b6f9ef12243f8d31b07a8dfd0a804e7be27dbe92
--- /dev/null
+++ b/chunks/txt/951efe5f7cbf5c9b84d430177a6322dae4672f52968e3fc0cd6fa67184439563.txt
@@ -0,0 +1,50 @@
+---
+title: "Uniform Appraisal Dataset | Fannie Mae"
+source_url: "https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset"
+date_accessed: "2026-01-27T17:46:22.092Z"
+selector: ".layout.masthead-custom.js-layout-exists.rag-highlight-border"
+parent_folder: "APPRAISAL_DATASET"
+capture_name: "Uniform_Appraisal_Dataset___Fannie_Mae4"
+---
+
+## []()Get started with UAD 3.6
+
+###
+
+##### 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
diff --git a/chunks/txt/9528e8c5c9c7b7dd2c2d1fed6bbe86571947ad4fb5db3a722d4666b227e449c7.txt b/chunks/txt/9528e8c5c9c7b7dd2c2d1fed6bbe86571947ad4fb5db3a722d4666b227e449c7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dcd2639262e2098200e2197ec46e7d690ace93c3
--- /dev/null
+++ b/chunks/txt/9528e8c5c9c7b7dd2c2d1fed6bbe86571947ad4fb5db3a722d4666b227e449c7.txt
@@ -0,0 +1,32 @@
+DU for Government Loans Release Notes
+January 2025 Release
+
+Dec. 18, 2024
+
+During the weekend of Jan. 25, 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.”
+
+FHA Loan Limits
+
+FHA county loan limits are applied by the FHA TOTAL mortgage scorecard, so a DU update is not required for FHA’s 2025 county
+loan limit updates.
+
+However, in cases where a property county cannot be determined, DU applies the FHA National Low Cost Area Limit, and the FHA
+National Low Cost Area Limit amounts will be updated in DU as part of this release to reflect the new values. In these cases, DU
+will display the 2024 limit on FHA loan casefiles submitted or resubmitted prior to the weekend of Jan. 25 where a property
+county cannot be determined, regardless of Agency Case Number assignment date. For FHA loan casefiles submitted or
+resubmitted on or after the weekend of Jan. 25 where a property county cannot be determined, DU will display the 2025 FHA
+National Low Cost Area Limit, regardless of Agency Case Number assignment date. Lenders are responsible for verifying that the
+correct limit is applied when determining eligibility.
+
+VA 2025 County Loan Limit Changes
+
+The 2025 county loan limits are available on VA’s website.
+
+VA loan casefiles submitted or resubmitted prior to the weekend of Jan. 25 will be underwritten using the 2024 VA county loan
+limits. All VA loan casefiles submitted or resubmitted on or after the weekend of Jan. 25 will be underwritten using the 2025 VA
+county loan limits. Because the 2025 VA county loan limits will not be implemented on the date they are in effect, lenders are
+responsible for ensuring that the correct VA county loan limit is applied to all VA loans underwritten through DU from Jan. 1
+through Jan. 25.
diff --git a/chunks/txt/952c1a1c68ab58738f4f9fc411a6eefe1710895726c2e78867349590040e6da2.txt b/chunks/txt/952c1a1c68ab58738f4f9fc411a6eefe1710895726c2e78867349590040e6da2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..28eccf668e13ed233f48ca5177a1b78b1ffb9c1f
--- /dev/null
+++ b/chunks/txt/952c1a1c68ab58738f4f9fc411a6eefe1710895726c2e78867349590040e6da2.txt
@@ -0,0 +1,142 @@
+Unit Interior
+
+Area Breakdown
+
+Finished Above Grade
+Unfinished Above Grade
+Finished Below Grade
+Unfinished Below Grade
+
+Area Data Source
+
+Level and Room Detail
+
+1,568 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
+1,568 Sq. Ft.
+
+Room Summary
+2 - Bath - Full
+3 - Bedroom
+1 - Dining Room
+1 - Kitchen
+1 - Laundry Room
+1 - Living Room
+
+Quality and Condition
+
+Interior Quality Rating
+
+Q3
+
+Interior Condition Rating
+
+C2
+
+The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report
+
+Kitchen and Bathroom Details
+
+Room
+Kitchen
+Level 1
+
+Bath - Full
+Level 1
+
+Bath - Full
+Level 1
+
+Update Status
+Fully Updated
+
+Time Frame
+1-5 Years
+
+Fully Updated
+
+1-5 Years
+
+Fully Updated
+
+1-5 Years
+
+Quality Comment
+All appliances are
+Energy Star® Rated,
+countertops are solid
+surface.
+
+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 2024Manufactured Home Scenario 2 (MH2)
+
+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
diff --git a/chunks/txt/952cfa6ea11da661c4ef511ee62aa52911564935b9b51db764e10bfda2e583ee.txt b/chunks/txt/952cfa6ea11da661c4ef511ee62aa52911564935b9b51db764e10bfda2e583ee.txt
new file mode 100644
index 0000000000000000000000000000000000000000..926569297a322a4f06b382464a3cfb9db3c569d1
--- /dev/null
+++ b/chunks/txt/952cfa6ea11da661c4ef511ee62aa52911564935b9b51db764e10bfda2e583ee.txt
@@ -0,0 +1,101 @@
+• “true”
+
+o Display sub-header: Additional Supervisory Appraiser Certifications (FID: 29.061)
+o Display in italics below sub-header: Additional Supervisory Appraiser Certifications cannot be contrary to the original
+
+Supervisory Appraiser Certifications.
+
+o Deliver ValuationAdditionalCertificationIncludedByType = “AppraiserSupervisor”
+o Display the text from ValuationAdditionalCertificationText (UID: 2200.0013, FID: 29.062) and deliver in XML.
+
+▪ Additional certifications are numbered starting at 1.
+
+• “false”
+
+o Do not display
+
+Signature
+
+The Signature subsection always displays. There can be multiple signatures on the report. Every valuation report must contain a
+PartyRoleType = "Appraiser" and/or "AppraiserSupervisor".
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 375
+
+Report
+Field ID
+
+Report Label
+
+Unique ID MISMO Data Point Name
+
+Display Rules
+
+Signature
+
+29.063
+
+[Role]
+
+2400.0056 PartyRoleType
+
+When PartyRoleType = "Appraiser" or "AppraiserSupervisor" display “Appraiser” first
+and, when applicable, “Supervisory Appraiser” below the appraiser (Figure 29 - 1)
+
+29.065
+
+[Contact name(s)]
+
+29.066
+
+29.067
+
+Date of Signature and
+Report
+Level
+
+2400.0041
+2400.0042
+2400.0043
+2400.0044
+
+FirstName
+LastName
+MiddleName
+SuffixName
+
+FirstName and LastName always display.
+MiddleName and SuffixName display when provided.
+
+2200.0002
+
+ExecutionDate
+
+When PartyRoleType = "Appraiser" OR "AppraiserSupervisor"
+
+2400.0051 AppraiserLicenseType
+
+29.068
+
+ID
+
+2400.0054
+
+LicenseIdentifier
+
+29.069
+
+State
+
+2400.0055
+
+LicenseIssuingAuthorityStateCode
+
+29.070
+
+Expires
+
+2400.0053
+
+LicenseExpirationDate
diff --git a/chunks/txt/9560a8ab551ef8909ed0e8787ef0e936d1b75f1f32dc16674edce61aa07da9d7.txt b/chunks/txt/9560a8ab551ef8909ed0e8787ef0e936d1b75f1f32dc16674edce61aa07da9d7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c6675ec3f68441423d37c868516af80eb4255d01
--- /dev/null
+++ b/chunks/txt/9560a8ab551ef8909ed0e8787ef0e936d1b75f1f32dc16674edce61aa07da9d7.txt
@@ -0,0 +1,171 @@
+image/png
+
+LevelOne
+
+Newer laminate floor installed. Some cabinet hardware missing.
+
+TypicalWearAndTear
+
+Add comment if needed.
+
+FullBathroom
+
+FiveToTenYears
+
+PartiallyUpdated
+
+\\Images\2-4_Dwelling2Kitchen.png
+
+image/png
+
+LevelOne
+
+Some hardware noted to be missing from cabinets.
+
+TypicalWearAndTear
+
+Add comment if needed.
+
+Standard
+
+Kitchen
+
+FiveToTenYears
+
+PartiallyUpdated
+
+\\Images\2-4_Dwelling2LivingRoom.png
+
+image/png
+
+LevelOne
+
+LivingRoom
+
+0
+
+No
+
+0
+
+925
+
+false
+
+Residential
+
+Ranch
+
+SiteBuilt
+
+EngineeredWood
+
+Add comment if needed.
+
+TypicalWearAndTear
+
+T-111 siding
+
+ExteriorWallsAndTrim
+
+Metal
+
+PostAndPier
+
+Add comment if needed.
+
+TypicalWearAndTear
+
+Add comment if needed.
+
+Foundation
+
+TwentyOrMoreYears
+
+true
+
+Metal
+
+Rust noted on the roof. Metal galvanized roofs can deteriorate when rust forms. No ruptures or leaks noted at the time of inspection.
+
+TypicalWearAndTear
+
+Add comment if needed.
+
+Roof
+
+Add comment if needed.
+
+NewOrLikeNew
+
+Add comment if needed.
+
+Windows
+
+Insulated
+
+C4
+
+Q5
+
+UpToOneFoot
+
+1
+
+Building 2
+
+Additional commentary can be added here, if needed by Appraiser.
+
+None
+
+PropertyPhoto
+
+\\Images\2-4_SubjectProperty.png
+
+image/png
+
+East
+
+PropertyAccess
+
+\\Images\2-4_PropertyAccessEast.png
+
+image/png
+
+West
+
+PropertyAccess
+
+\\Images\2-4_PropertyAccessWest.png
+
+image/png
+
+SalesComparableMap
+
+\\Images\2-4_CompMap.png
+
+image/png
+
+RentalComparableMap
+
+\\Images\2-4_RentCompMap.png
+
+image/png
+
+GrossRentMultiplierComparableMap
+
+\\Images\2-4_GRMMap.png
+
+image/png
+
+FloorPlan
+
+\\Images\2-4_Floorplan.png
+
+image/png
+
+DwellingFront
+
+\\Images\2-4_Dwelling1Front.png
+
+image/png
diff --git a/chunks/txt/9569f64905b9cb353342f042d37d858b3a0d8cab7188d96cb6d8e9bf35a2f4a9.txt b/chunks/txt/9569f64905b9cb353342f042d37d858b3a0d8cab7188d96cb6d8e9bf35a2f4a9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8cae846a5fa041d96ce72825952394f6049f69e0
--- /dev/null
+++ b/chunks/txt/9569f64905b9cb353342f042d37d858b3a0d8cab7188d96cb6d8e9bf35a2f4a9.txt
@@ -0,0 +1,102 @@
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+1.084
+
+N/A
+
+Displays when there
+are no defects,
+damages, or
+deficiencies requiring
+action
+
+Allowable
+Answers / Format
+
+N/A
+
+Definition / Additional Guidance
+
+There are no apparent defects, damages or deficiencies requiring action. For
+details, reference the ‘Reconciliation’ section.
+
+Appendix F-1: URAR Reference Guide
+
+Page 30 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+01 Summary
+
+Information That May Display in Gray Bars
+
+The applicable URAR sections display as gray bars in the Apparent Defects, Damages, Deficiencies Requiring
+Action table.
+
+Summary: Apparent Defects, Damages, Deficiencies Requiring Action
+
+Report Label
+
+Origin of Information (Section)
+
+Definition / Additional Guidance
+
+Report
+Field ID
+
+1.039
+1.046
+
+N/A
+
+Structure Identifier 8.000
+
+Dwelling Exterior
+•
+Unit Interior
+•
+
+Structure Identifier 10.001
+
+1.047
+1.062
+
+N/A
+
+Unit Interior
+•
+
+Unit Identifier 10.002
+
+1.054
+1.061
+
+N/A
+
+Outbuilding
+•
+
+Outbuilding Type 12.001
+
+Structure Identifier: An identifier (building name) created by the appraiser
+to differentiate among multiple dwellings on the property.
+Examples: Building 1, Building 2, Front, Rear
+Redisplays if applicable from the original section.
+Unit Identifier: An identifier assigned by the appraiser that differentiates
+between multiple units on the property.
+Examples: Unit 1, Unit 2, Primary Dwelling, ADU
+Redisplays if applicable from the original section.
+
+Redisplays if applicable from the original section.
+
+Information About each Defect, Damage, or Deficiency
+
+Only those defects, damages, or deficiencies requiring completion, inspection, or repair redisplay in the
+Summary section.
diff --git a/chunks/txt/95890b83144ea8bfe2ead258eb55a141e6f44d5c6e20f871ee44dd656bab7005.txt b/chunks/txt/95890b83144ea8bfe2ead258eb55a141e6f44d5c6e20f871ee44dd656bab7005.txt
new file mode 100644
index 0000000000000000000000000000000000000000..aaee23353bc6c02c2e781ccd42e6e8114233155d
--- /dev/null
+++ b/chunks/txt/95890b83144ea8bfe2ead258eb55a141e6f44d5c6e20f871ee44dd656bab7005.txt
@@ -0,0 +1,73 @@
+Short Sale
+
+A sale of property in which the lien holder accepts less than the debt or obligation against the property.
+
+Typically Motivated
+
+A sale that occurs under open and competitive market conditions where both parties are well informed, acting in their
+own best interest. Note: Most arm’s length sales are typically motivated.
+
+Other (Describe)
+
+Select Other to enter an answer that is not in the above list, e.g., Private Sale.
+
+Allowable Answer
+
+Definition / Additional Guidance
+
+Reason Price Not Available (If applicable, choose one for each Sale or Transfer)
+
+Not Disclosed
+
+Not Recorded
+
+Other (Describe)
+
+Sale or transfer price is not available to the general public or to the appraiser in the normal course of business. Example:
+Non-disclosure states
+
+Information not on file in the local jurisdictional authority. Example: Delays in recording
+
+Select Other to enter an answer that is not in the above list.
+Example: Confidentiality requested by client
+
+Appendix F-1: URAR Reference Guide
+
+Page 211 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+21 Prior Sale and Transfer History
+
+Analysis of Prior Sales and Transfers
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Analysis of Prior Sales and Transfers
+
+Always required
+
+Free-form
+
+The appraiser must explain the results of their analysis including research
+performed, details of the transactions, and any differences between the sales
+or transfers.
+
+Always required
+
+Free-form
+
+The appraiser must explain the results of their analysis including research
+performed, details of the transactions, and any differences between them.
diff --git a/chunks/txt/958cf8827b229cc86143148a206b1da2ad6b0258ed621f125a2b7c6b61725350.txt b/chunks/txt/958cf8827b229cc86143148a206b1da2ad6b0258ed621f125a2b7c6b61725350.txt
new file mode 100644
index 0000000000000000000000000000000000000000..631cacb228b7432a776328cc2f71c6d2dd350c03
--- /dev/null
+++ b/chunks/txt/958cf8827b229cc86143148a206b1da2ad6b0258ed621f125a2b7c6b61725350.txt
@@ -0,0 +1,80 @@
+Rental Information Exhibits
+
+Report
+Field ID
+
+See
+iGuide
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Always required
+
+Image
+
+Rental
+Information
+Exhibits
+
+Map of Subject and Rental Comparables
+A map of the subject and rental comparables must be provided, which can
+display in Rental Information Exhibits with the caption “Map of Rental
+Comparables”. An additional caption may be provided.
+
+See
+iGuide
+
+Rental
+Information
+Exhibits
+
+See
+iGuide
+
+Rental
+Information
+Exhibits
+
+If relevant
+
+Photo
+
+If relevant
+
+Photo or image
+
+Note: Can be provided as one map in the Sales Comparison Approach section.
+
+Property Photo
+Photos of the comparable rental properties display in this subsection with the
+Comparable #. The thumbnails from the Comparable Rental Properties
+subsection are redisplayed, in addition to any other photos for the comparable.
+An additional caption may be provided.
+
+Rental Information Exhibit
+Other photos or images related to the Rental Information section may be
+provided which display in Rental Information Exhibits. A caption should be
+provided to further describe the photo or image.
+
+Appendix F-1: URAR Reference Guide
+
+Page 301 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+24 Income Approach
+
+24 Income Approach
+
+The Income Approach section includes information about Gross Rent Multiplier (GRM) comparables (comps), market rent, and the GRM. The GRM
+uses the Total Monthly Market Rent for the subject as determined in the Rental Information section through the Comparable Rental Analysis
+subsection and reported in the Rent Schedule (23.01.21). The Income Approach section provides space for additional commentary and exhibits.
diff --git a/chunks/txt/959a14fcad582c5cf7cd52c2bcafe7c21c1d8bcf8544e7dea315f846a861c4c5.txt b/chunks/txt/959a14fcad582c5cf7cd52c2bcafe7c21c1d8bcf8544e7dea315f846a861c4c5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cbff46d2949b96a6dced1c4f61cf6a1498ed9075
--- /dev/null
+++ b/chunks/txt/959a14fcad582c5cf7cd52c2bcafe7c21c1d8bcf8544e7dea315f846a861c4c5.txt
@@ -0,0 +1,52 @@
+See Lease Agreements or the Uniform Residential Appraisal Report below for further information.
+
+Method for Calculating the Income
+
+The method for calculating rental income (or loss) for qualifying purposes is dependent upon the documentation that is being
+used (that is, Schedule E or a current fully executed lease agreement). The following table provides examples of different
+methods.
+
+If the supporting documentation is…
+
+And the property was
+in service…
+
+The lender must…
+
+federal tax returns, Schedule E
+
+average the annual rental income or loss
+over 12 months
+
+for a full or partial year
+
+a current fully executed lease agreement
+supporting monthly rental amount, and
+federal tax returns, including Schedule E
+
+less than the full year,
+and the borrower
+qualifies for a
+documented
+exception to use a
+lease agreement to
+support monthly
+rental income
+
+average the rental income (or loss) over
+the number of months the borrower used
+the property as a rental unit.
+
+When Schedule E is used to calculate qualifying rental income, the lender must add back any listed depreciation, interest,
+homeowners’ association dues, taxes, or insurance expenses to the borrower’s cash flow. Non-recurring property expenses may
+be added back, if documented accordingly.
+
+See General Requirements for Documenting Rental Income, Reconciling Partial or No Rental History and Treatment of the Income (or
+Loss) for further instructions.
+
+Lease Agreements or the Uniform Residential Appraisal Report
+
+When current lease agreements or market rents reported on the URAR1 are used, the lender must calculate the rental income by
+multiplying the monthly gross rent(s) by 75%. This is referred to as “Rent” in the Opinion of Market Income (Monthly) table of the
+URAR1 . Lenders must not include other real property rental income in this calculation. The remaining 25% of the gross rent will be
+absorbed by vacancy losses and ongoing maintenance expenses.
diff --git a/chunks/txt/959ad3bb56efb46ff3a872a734adad5865686bc67356e72b88c2bf1c0909c65b.txt b/chunks/txt/959ad3bb56efb46ff3a872a734adad5865686bc67356e72b88c2bf1c0909c65b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..55af2e2ef23470eb1c07d90b802756d6d1d7b980
--- /dev/null
+++ b/chunks/txt/959ad3bb56efb46ff3a872a734adad5865686bc67356e72b88c2bf1c0909c65b.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
+
+![FHFA Building ](/sites/default/files/styles/desktop_hero/public/2023-11/homepage%20hero%20banner%20image.jpg.webp?h=4362216e&itok=ofxFuhg0)
+
+# ​FHFA AT-A-GLANCE
+
+The FHFA's mission is to ensure that Fannie Mae, Freddie Mac and the FHLBanks fulfill their mission by operating in a safe and sound manner to serve as a reliable source of liquidity and funding for housing finance and community investment.
diff --git a/chunks/txt/959f3177b28ce3ec873b0f89d0cb01b185883226915c1abbbf1e66b3dc94c678.txt b/chunks/txt/959f3177b28ce3ec873b0f89d0cb01b185883226915c1abbbf1e66b3dc94c678.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0b14ef38cc6c2160a4c4908c688a0de3ea51b593
--- /dev/null
+++ b/chunks/txt/959f3177b28ce3ec873b0f89d0cb01b185883226915c1abbbf1e66b3dc94c678.txt
@@ -0,0 +1,28 @@
+- Corrected xPaths to reflect PropertySequenceIdentifier = 0 in the following:
+ - Fannie Mae Form 1004 / Freddie Mac Form 70 - SortID 384
+ - Fannie Mae Form 1073 / Freddie Mac Form 465 - SortID 319
+ - Fannie Mae Form 1075 / Freddie Mac Form 466 - SortID 317
+ - Fannie Mae Form 2055 / Freddie Mac Form 2055 - SortID 368
+- Corrected Form Section title in Fannie Mae Form 1075 / Freddie Mac Form 466 for SortIDs 232 through 299
+- Corrected PDF Display Format in the following:
+ - Fannie Mae Form 1004 / Freddie Mac Form 70 - SortID 412
+ - Fannie Mae Form 2055 / Freddie Mac Form 2055 - SortID 396
+- Corrected xPaths to reflect Management TypeOtherDescription in the following:
+ - Fannie Mae Form 1073 / Freddie Mac Form 465 - SortIDs 185, 186, 187, 188
+ - Fannie Mae Form 1075 / Freddie Mac Form 466 - SortIDs 185, 186, 187, 188
+- Updated field Length to 35 for the following:
+ - Fannie Mae Form 1004 / Freddie Mac Form 70 - SortIDs 282, 284, 286
+ - Fannie Mae Form 1073 / Freddie Mac Form 465 - SortIDs 371, 373, 375
+ - Fannie Mae Form 1075 / Freddie Mac Form 466 - SortIDs 369, 371, 373
+ - Fannie Mae Form 2055 / Freddie Mac Form 2055 - SortIDs 266, 268, 270
+- Updated field length to 4000 for the following:
+ - Fannie Mae Form 1004 / Freddie Mac Form 70 - SortID 456
+ - Fannie Mae Form 2055 / Freddie Mac Form 2055 - SortID 440
+- Updated Days On Market definiton for the following:
+ - Fannie Mae Form 1004 / Freddie Mac Form 70 - SortIDs 41, 296
+ - Fannie Mae Form 1073 / Freddie Mac Form 465 - SortIDs 42, 388
+ - Fannie Mae Form 1075 / Freddie Mac Form 466 - SortIDs 42, 386
+ - Fannie Mae Form 2055 / Freddie Mac Form 2055 - SortIDs 41, 280
+- Corrected bracket in xPath on Fannie Mae Form 2055 / Freddie Mac Form 2055 - SortIds 158, 160
+- Updated Field Length description in the Column Descriptions section
+- Updated some of the text in the Read Me section
diff --git a/chunks/txt/95b98ef7a723d2cdba9f45043d4c765d8618a192c7a8f737f4e095459c665d3a.txt b/chunks/txt/95b98ef7a723d2cdba9f45043d4c765d8618a192c7a8f737f4e095459c665d3a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2edf82e808a918cadc8e04a222f970076287375e
--- /dev/null
+++ b/chunks/txt/95b98ef7a723d2cdba9f45043d4c765d8618a192c7a8f737f4e095459c665d3a.txt
@@ -0,0 +1,73 @@
+CR
+
+CR
+
+CR
+
+UAD Requirement - Refer to Appendix D Subject Section
+
+String
+
+Must provide a whole number or 'Unk' if not known.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+If field 1-38 is indicated, this field must be
+indicated.
+
+CR
+
+CR
+
+CR
+
+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.
+
+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
+
+Boolean UAD Requirement - Refer to Appendix D Contract Section
+
+Boolean UAD Requirement - Refer to Appendix D Contract Section
+
+UAD Requirement - Refer to Appendix D Contract 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
+ 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
+
+R
+
+R
+
+R
+
+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.
diff --git a/chunks/txt/95bbf4103b8158508e7cf64ed3409adfc872e068f0c14185ebda5597f08fa8f2.txt b/chunks/txt/95bbf4103b8158508e7cf64ed3409adfc872e068f0c14185ebda5597f08fa8f2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..45abdb49a06b9eccf9ab9675ec4f7029af9f1e1f
--- /dev/null
+++ b/chunks/txt/95bbf4103b8158508e7cf64ed3409adfc872e068f0c14185ebda5597f08fa8f2.txt
@@ -0,0 +1,18 @@
+• TXR (rule) sets for signature and date.
+
+•
+
+“[Contact Name],” “Date of Signature and Report” set as SIG-B (brackets do not set, they
+indicate a placeholder).
+
+Right-hand side of page
+
+•
+
+“Level,” “ID,” “State,” “Expires” set as TXR-B, TXR.
+
+Appendix E: Report Style Guide
+
+Page 90 of 90
+
+Version 1.4
diff --git a/chunks/txt/95d4c152d7fdcad610fc0302937cf5120ba5a0c9b620c71b6e4486dcf5a485c4.txt b/chunks/txt/95d4c152d7fdcad610fc0302937cf5120ba5a0c9b620c71b6e4486dcf5a485c4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3e5279163b773338a9e014645beed77cedbd6c20
--- /dev/null
+++ b/chunks/txt/95d4c152d7fdcad610fc0302937cf5120ba5a0c9b620c71b6e4486dcf5a485c4.txt
@@ -0,0 +1,74 @@
+paragraphs
+
+• Numbers set Myriad Pro Bold, followed by a period to text
+
+• Text sets TXC x 45 picas
+
+Signature (H1)
+
+Left-hand side of page
+
+•
+
+“[Role]” set as TX-B (brackets do not set, they indicate a placeholder)
+
+• TXR (rule) sets for signature and date
+
+•
+
+“[Contact Name],” “Date of Signature and Report” set as SIG-B (brackets do not set, they
+indicate a placeholder)
+
+Right-hand side of page
+
+•
+
+“Level,” “ID,” “State,” “Expires” sets as TXR-B, TXR
+
+Appendix E: Report Style Guide
+
+Page 79 of 90
+
+Version 1.4
+
+Part 3. Restricted Appraisal Update Report
+
+This chapter contains details for the formatting of the Restricted Appraisal Update Report. Page size, margins,
+layout grid are identical to the URAR.
+
+Header Text
+
+Displays on all report pages.
+
+½ point 50% black rule x 45 picas, offset 6 points above to:
+
+(HDR-L) Left side
+
+• 10-point Myriad Pro Bold “Restricted Appraisal Update Report”.
+
+(HDR-R) Right side
+
+•
+
+“Page [X] of [XX]” (where [X] stands for page number, [XX] for total pages in document) sets
+at top margin in 9-point Myriad Pro Regular, align right on 45 picas.
+
+HDR
+
+Footer Text
+
+Displays on all report pages.
+
+2-point rule x 45 picas, 6 points space below to:
+
+(FTR-L) Left side
+
+• 8-point Myriad Pro Bold “Update Version #,” one line space below to 50% black “Fannie Mae
+
+| Freddie Mac,” “March 2023”
+
+(FTR-R) Right side
+
+• 8-point Myriad Pro bold with Myriad Pro Regular. Identifiers set stacked, aligned right, 1 em
+space to identifiers, set in 8 point regular, align left, longest identifier aligns right on rule
+above. Baseline of last line sits on bottom margin of .5".
diff --git a/chunks/txt/a2f2e7fac345def884ba3a6a53a530531f0ab2903af48cb0dde9768babae51c2.txt b/chunks/txt/a2f2e7fac345def884ba3a6a53a530531f0ab2903af48cb0dde9768babae51c2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..aefba8a8fc78c1e22082c9858f79fd2adc9aee2d
--- /dev/null
+++ b/chunks/txt/a2f2e7fac345def884ba3a6a53a530531f0ab2903af48cb0dde9768babae51c2.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/data/pudb"
+date_accessed: "2026-01-27T17:47:50.445Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/a30486dc99ccad67dca58ed9edbce20351459dd0f1b12d945e69c74c52e0681b.txt b/chunks/txt/a30486dc99ccad67dca58ed9edbce20351459dd0f1b12d945e69c74c52e0681b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2c2c1ff3ef5824fbc024fb4754d8e648439a9cfd
--- /dev/null
+++ b/chunks/txt/a30486dc99ccad67dca58ed9edbce20351459dd0f1b12d945e69c74c52e0681b.txt
@@ -0,0 +1,193 @@
+18.040
+18.041
+18.042
+18.043
+18.044
+
+18.045
+
+Impact
+18.074
+
+18.075
+18.076
+
+18.077
+
+18.078
+18.079
+
+18.080
+18.081
+
+18.082
+18.083
+
+18.055
+18.056
+18.057
+
+18.058
+18.059
+18.060
+18.061
+18.062
+
+18.063
+
+Third Lien
+
+18.046
+
+Fourth Lien
+
+18.047
+18.048
+18.049
+18.050
+18.051
+18.052
+18.053
+
+18.054
+
+Comment
+18.084
+18.085
+18.086
+
+18.087
+
+18.088
+18.089
+18.090
+
+18.091
+18.092
+18.093
+
+Project Name
+Project Information Data Source
+Total Units
+Units Sold
+Units for Sale
+Units Rented
+
+Reason Units Rented is Estimated
+Mandatory Fees (HOA, PUD, or Co-op)
+
+18.005
+18.006
+18.007
+18.008
+18.009
+18.010
+
+Monthly Amount
+Common Amenities/
+Services Included
+Utilities Included
+
+18.011
+
+18.012
+18.013
+
+Observed Deficiencies
+
+Description of Deficiencies
+
+18.015
+
+Cooperative Information
+
+Shares Issued and Outstanding
+Shares Attributable to Subject Property
+
+18.023
+18.024
+
+Project Blanket Financing
+
+Pro Rata Share
+
+Lien Detail
+Unpaid Principal Balance
+
+First Lien
+
+Line of Credit
+
+Balloon Mortgage
+
+Remaining Term
+
+Monthly Payment
+
+Interest Rate
+
+Amortization Type
+
+Pro Rata Share of Balance
+Attributable to Unit
+
+18.027
+
+18.028
+18.029
+18.030
+18.031
+18.032
+18.033
+18.034
+18.035
+
+18.036
+
+18.014
+
+Yes No
+(cid:133) (cid:133)
+
+18.026
+
+Yes No
+(cid:133) (cid:133)
+
+Second Lien
+
+Project Factors and Impact to Value/Marketability
+
+18.064
+18.065
+18.066
+
+18.067
+
+18.068
+18.069
+18.070
+18.071
+18.072
+18.073
+
+Detail
+
+Project Factor
+Developer/Sponsor in Control
+
+Incomplete Project
+
+Converted in Past 3 Years
+
+Single Entity Ownership of Multiple
+Units
+
+Single Entity Ownership of Multiple
+Shares
+
+Commercial Space
+
+Known Legal Actions
+
+Unit Transfer Fees
diff --git a/chunks/txt/a323e89271b5604f3b3becf0377741651c10e9bcd18a8dc555e9e4e97e519c03.txt b/chunks/txt/a323e89271b5604f3b3becf0377741651c10e9bcd18a8dc555e9e4e97e519c03.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c47b74ba811f376dda6db97d001cb23bd8b1bf8f
--- /dev/null
+++ b/chunks/txt/a323e89271b5604f3b3becf0377741651c10e9bcd18a8dc555e9e4e97e519c03.txt
@@ -0,0 +1,108 @@
+1 = Conventional/Other
+2 = FHA-insured*
+3 = VA-guaranteed
+4 = FSA/RHS-guaranteed
+99 = Missing
+1 = Yes
+2 = No
+9 = Not available
+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 a mail, internet, or
+telephone application
+7 = Not applicable
+9 = Not available
+
+SF CTF
+
+23
+
+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
+
+24
+
+ethnicity_borr
+
+Borrower Ethnicity
+
+25-29 1
+
+race1_coborr,
+race2_coborr,
+race3_coborr,
+race4_coborr,
+race5_coborr
+
+Co-Borrower Race or
+National Origin 1-5
+
+30
+
+1
+
+ethnicity_coborr
+
+Co-Borrower Ethnicity
+
+1 = Hispanic or Latino
+2 = Not Hispanic or Latino
+3 = Information not provided by
+borrower in a mail, internet, or
+telephone application
+4 = Not applicable
+9 = Not available
+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 co-
+borrower in a mail, internet, or
+telephone application
+7 = Not applicable
+8 = No co-borrower
+9 = Not available
+
+1 = Hispanic or Latino
+2 = Not Hispanic or Latino
+3 = Information not provided by co-
+borrower in a mail, internet, or
+telephone application
+4 = Not applicable
+5 = No co-borrower
+9 = Not available
+
+SF CTF
+
+24
+
+Enterprise Public Use Database Data Dictionary
+Data Release of 2024 Acquisitions
+
+Single-Family Properties
+Census Tract File
diff --git a/chunks/txt/a3293f2fe689a4648a3ad51c25bfdc12a25a4b7f2f731df999b6b1bd39f3e229.txt b/chunks/txt/a3293f2fe689a4648a3ad51c25bfdc12a25a4b7f2f731df999b6b1bd39f3e229.txt
new file mode 100644
index 0000000000000000000000000000000000000000..be6eba0a2063aaf4e1dff8b9ec05efdebfc7c613
--- /dev/null
+++ b/chunks/txt/a3293f2fe689a4648a3ad51c25bfdc12a25a4b7f2f731df999b6b1bd39f3e229.txt
@@ -0,0 +1,92 @@
+Table 49. UCD v2.0 Spec Excerpt – High Cost Mortgages 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/HIGH_COS
+T_MORTGAGES/HIGH_COST_MORTGAGE
+
+4.039
+
+AveragePrimeOfferRatePercent
+
+6.4700
+
+Must be > “0”
+
+7.087
+
+RegulationZExcludedBonaFideDiscountPointsIndicator
+
+true
+
+7.088
+
+RegulationZExcludedBonaFideDiscountPointsPercent
+
+0.2500
+
+Must be > “0”
+
+7.091
+
+RegulationZTotalAffiliateFeesAmount
+
+150.00
+
+Must be ≥ “0”
+
+4.034
+
+RegulationZTotalLoanAmount
+
+142542.00 Must be > “0”
+
+3.030
+
+RegulationZTotalPointsAndFeesAmount
+
+1458.00
+
+Must be ≥ “0”
+
+MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_PR
+ODUCT/LOAN_PRICE_QUOTES/LOAN_PRICE_QUOTE/LOAN_PRICE_QUOTE_DETAIL
+
+4.038
+
+LoanPriceQuoteInterestRatePercent
+
+6.5000
+
+▪ The expected value is the interest rate offered
+
+to the borrower prior to their electing to
+purchase discount points. The interest rate
+the borrower qualified for does not have to
+start with zero points.
+
+▪ Must be > “0”
+
+Figure 73. XML Snippet - High Cost Mortgage Data.
+
+<MESSAGE>
+…
+ <DEAL>
+
+<LOANS>
+ <LOAN>
+
+<HIGH_COST_MORTGAGES>
+ <HIGH_COST_MORTGAGE>
+
+<AveragePrimeOfferRatePercent>6.4700</AveragePrimeOfferRatePercent>
+ <RegulationZExcludedBonaFideDiscountPointsIndicator>true</RegulationZExcludedBonaFideDiscountPointsIndicator>
+ <RegulationZExcludedBonaFideDiscountPointsPercent>0.2500</RegulationZExcludedBonaFideDiscountPointsPercent>
+ <RegulationZTotalAffiliateFeesAmount>150.00</RegulationZTotalAffiliateFeesAmount>
+ <RegulationZTotalLoanAmount>142542.00</RegulationZTotalLoanAmount>
+ <RegulationZTotalPointsAndFeesAmount>1458.00</RegulationZTotalPointsAndFeesAmount>
diff --git a/chunks/txt/a32ea4d1cd36ef3bbb15f596898c4b33d901cda428417221625a81542c5283bb.txt b/chunks/txt/a32ea4d1cd36ef3bbb15f596898c4b33d901cda428417221625a81542c5283bb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..59ea8b1c57e907dc02a39b6b91f1eba3e71f1d8c
--- /dev/null
+++ b/chunks/txt/a32ea4d1cd36ef3bbb15f596898c4b33d901cda428417221625a81542c5283bb.txt
@@ -0,0 +1,50 @@
+Business Center
+
+A room or location providing office facilities and services.
+
+Caregiver Services
+
+Service offered to provide support and assistance to individuals in performing tasks of personal or household care.
+
+Clubhouse
+
+Club Membership
+
+Community Pier
+
+Concierge Service
+Coordination
+
+Cooling
+
+Deck
+
+A building or area used for social or recreational activities by occupants of the project.
+
+A club membership that is included in the HOA fees (e.g., golf club membership, health club membership).
+
+A private pier owned by the project that gives members access to the waterfront.
+
+Assistance with organizing a variety of personal services.
+
+Note: Select this answer when the air conditioning / cooling expenses for the unit are provided in common and included in
+the mandatory fees.
+
+A platform that is located next to or attached to a structure and is accessible from the structure.
+Note: Choose this answer if the deck is a common deck available for use by all owners and guests to the project. If the deck
+is intended for the exclusive use of the subject unit, reference the Subject Property Amenities section.
+
+Door Attendant
+
+An individual providing courtesy and / or security services in a residential building.
+
+EV Station
+
+Elevator
+
+Fitness Area
+
+A system designed to provide on-demand charging for compatible electric vehicles.
+Note: Choose this answer if the EV Station is considered common area and available for use by all owners and guests to
+the project. If the EV Station is intended for the exclusive use of the subject unit, reference the Subject Property Amenities
+section.
diff --git a/chunks/txt/a33a0871a1c72a06358bbc21fe7842ddff1eaa693058e94983223640d5897141.txt b/chunks/txt/a33a0871a1c72a06358bbc21fe7842ddff1eaa693058e94983223640d5897141.txt
new file mode 100644
index 0000000000000000000000000000000000000000..50516e66101a6cfce0e9aefd3ee7d54abe636c2b
--- /dev/null
+++ b/chunks/txt/a33a0871a1c72a06358bbc21fe7842ddff1eaa693058e94983223640d5897141.txt
@@ -0,0 +1,78 @@
+Energy Efficient Items
+
+Sale Price
+Adjustment
+Description
+
+Energy Efficient Items
+Adjustment
+
+Sale Price
+Adjustment Amount
+
+Garage/Carport
+
+Sale Price
+Adjustment
+Description
+
+Garage/Carport Adjustment
+
+Sale Price
+Adjustment Amount
+
+Porch, Patio, Deck
+
+Sale Price
+Adjustment
+Description
+
+Porch, Patio, Deck 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.
+
+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.
+
+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.
+
+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.
diff --git a/chunks/txt/a349b071c99beb8e136423f03059d059ababb0558f9ea2f1c656f2b0698a268a.txt b/chunks/txt/a349b071c99beb8e136423f03059d059ababb0558f9ea2f1c656f2b0698a268a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2f972d7ea32ac96d7887e32ba793c4d33c169d03
--- /dev/null
+++ b/chunks/txt/a349b071c99beb8e136423f03059d059ababb0558f9ea2f1c656f2b0698a268a.txt
@@ -0,0 +1 @@
+[Date PublishedSort ascending](?field_release_date_value=All&term_jump=/taxonomy/term/166&order=field_release_date&sort=asc) Report Attachment October 30, 2025 [Annual Housing Report - 2025 (covers activities 1/2024 - 12/2024)](/reports/annual-housing-report/2025) [Read Report](/document/annual-housing-report-2025) October 30, 2024 [Annual Housing Report - 2024 (covers activities 1/2023 - 12/2023)](/reports/annual-housing-report/2024) [Read Report](/document/annual-housing-report-2024) October 30, 2023 [Annual Housing Report - 2023 (covers activities 1/2022 - 12/2022)](/reports/annual-housing-report/2023) [Read Report](/media/47286) October 28, 2022 [Annual Housing Report - 2022 (covers activities 1/2021 - 12/2021)](/reports/annual-housing-report/2022) [Read Report](/media/30381) October 29, 2021 [Annual Housing Report - 2021 (covers activities 1/2020 - 12/2020)](/reports/annual-housing-report/2021) [Read Report](/document/annual-housing-report-2021) October 30, 2020 [Annual Housing Report - 2020 (covers activities 1/2019 - 12/2019)](/reports/annual-housing-report/2020) [Read Report](/document/annual-housing-report-2020) October 30, 2019 [Annual Housing Report - 2019 (covers activities 1/2018 - 12/2018)](/reports/annual-housing-report/2019) [Read Report](/media/30091) October 30, 2018 [Annual Housing Report - 2018 (covers activities 1/2017 – 12/2017)](/reports/annual-housing-report/2018) [Read Report](/document/annual-housing-report-2018) October 30, 2017 [Annual Housing Report - 2017 (covers activities 1/2016 – 12/2016)](/reports/annual-housing-report/2017) [Read Report](/document/annual-housing-report-2017) October 28, 2016 [Annual Housing Report - 2016 (covers activities 1/2015 – 12/2015)](/reports/annual-housing-report/2016) [Read Report](/media/30471) October 30, 2015 [Annual Housing Report - 2015 (covers activities 1/2014 – 12/2014)](/reports/annual-housing-report/2015) [Read Report](/document/annual-housing-report_2015) October 30, 2014 [Annual Housing Report - 2014 (covers activities 1/2013 – 12/2013)](/reports/annual-housing-report/2014) [Read Report](/document/fhfa-annual-housing-report-2014) October 30, 2013 [Annual Housing Report - 2013 (covers activities 1/2012 – 12/2012)](/reports/annual-housing-report/2013) [Read Report](/document/annual-housing-report-2013) October 31, 2012 [Annual Housing Report - 2012 (covers activities 1/2011 – 12/2011)](/reports/annual-housing-report/2012) [Read Report](/document/annual-housing-report-2012) October 31, 2011 [Annual Housing Report - 2011 (covers activities 1/2010 – 12/2010)](/reports/annual-housing-report/2011) [Read Report](/document/annual-housing-report-2011) October 29, 2010 [Annual Housing Report - 2010 (covers activities 1/2009 – 12/2009)](/reports/annual-housing-report/2010) [Read Report](/media/24781) October 30, 2009 [Annual Housing Report - 2009 (covers activities 1/2008 – 12/2008)](/reports/annual-housing-report/2009) [Read Report](/media/24791)
diff --git a/chunks/txt/a352258fae0b1e60ef0c3170d309853f1a114623f495e7895044087a0c1936ad.txt b/chunks/txt/a352258fae0b1e60ef0c3170d309853f1a114623f495e7895044087a0c1936ad.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b6f9dc42e589733e7dce5bd67e771a0bd6a0c910
--- /dev/null
+++ b/chunks/txt/a352258fae0b1e60ef0c3170d309853f1a114623f495e7895044087a0c1936ad.txt
@@ -0,0 +1,185 @@
+Topography
+
+Flat
+
+Sloping
+
+$0
+
+Site Influence (Location)
+
+Park | Residential
+
+Lake | Residential
+
+$(15,000)
+
+View | Range
+
+Dwelling(s)
+
+Year Built
+
+Residential | Full
+
+Residential | Full
+
+2020
+
+2020
+
+Construction Method
+
+Manufactured | Site Built
+
+Manufactured Home Width
+
+Heating
+
+Cooling
+
+Unit(s)
+
+Bedrooms
+
+Baths - Full | Half
+
+Multi
+
+Heat Pump | Electric
+
+Manufactured
+| Site Built
+
+Multi
+
+Heat Pump
+| Electric
+
+Centralized
+
+Centralized
+
+3
+
+2 | 0
+
+3
+
+2 | 0
+
+Finished Area Above Grade
+
+Finished Area Below Grade
+
+1,568 Sq. Ft.
+
+1,410 Sq. Ft.
+
+$10,270
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Exterior Quality and Condition
+
+Quality
+
+Q3
+
+Exterior Walls and Trim
+
+Aluminum | Synthetic Stone
+
+Foundation
+
+Condition
+
+Exterior Walls and Trim
+
+Roof
+
+Interior Quality and Condition
+
+Quality
+
+Kitchen
+
+Crawl Space
+
+C2
+
+New or Like New
+
+New or Like New
+
+Q3
+
+Aluminum
+
+Crawl Space
+
+C3
+
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+Q3
+
+Q3
+
+Energy Star appliances
+and wood cabinets
+
+Energy Star appliances
+and wood cabinets
+
+Overall Bathrooms
+
+Metal plumbing fixtures
+
+Metal plumbing fixtures
+
+Condition
+
+Kitchen
+
+Overall Bathrooms
+
+C2
+
+Fully Updated
+
+Fully Updated
+
+C3
+
+Partially Updated
+
+Fully Updated
+
+Appraiser Reference ID SRO-123345 Client Reference ID MBG 12344523Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 14 of 20
+
+Sales Comparison Approach (continued)
+
+Property Address
+
+Subject Property
+
+Comparable #4
+
+123 Anywhere St
+Somecity, TN 12345
+
+3026 Old West St
+Somecity, TN 12345
+
+Overall Quality and Condition (Ratings: 1-6, 1 is highest)
diff --git a/chunks/txt/a3545cbcc46717990249eda70636670816a3654773896252faefcc92869b40e2.txt b/chunks/txt/a3545cbcc46717990249eda70636670816a3654773896252faefcc92869b40e2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..804e2b08e24bcf5ca281dc29048477fa457c0a23
--- /dev/null
+++ b/chunks/txt/a3545cbcc46717990249eda70636670816a3654773896252faefcc92869b40e2.txt
@@ -0,0 +1,169 @@
+A free-form text field used to further
+describe a property feature named in
+Property Feature Name and
+associated by Property Feature
+Sequence Identifier.
+
+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.
+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.
+
+355
+
+2
+
+95
+
+SALES
+COMPARISON
+APPROACH
+
+Extra Item
+
+Property Feature
+Description
+
+356
+
+2
+
+96
+
+SALES
+COMPARISON
+APPROACH
+
+Extra Item Adjustment
+
+Property Feature
+Adjustment Amount
+
+357
+
+2
+
+97
+
+SALES
+COMPARISON
+APPROACH
+
+Extra Item
+
+Property Feature
+Description
+
+358
+
+2
+
+98
+
+SALES
+COMPARISON
+APPROACH
+
+Extra Item Adjustment
+
+Property Feature
+Adjustment Amount
+
+359
+
+2
+
+99
+
+SALES
+COMPARISON
+APPROACH
+
+Extra Item
+
+Property Feature
+Description
+
+360
+
+2
+
+100
+
+SALES
+COMPARISON
+APPROACH
+
+Extra Item Adjustment
+
+Property Feature
+Adjustment Amount
+
+361
+
+2
+
+101
+
+SALES
+COMPARISON
+APPROACH
+
+Adjusted Sales Price
+Positive
+
+Sales Price Total
+Adjustment Positive
+Indicator
+
+Form FNM 1004 FRE 70
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 66 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/a35ff62e2e7c461ad439de54d31d43a6d14c2de528e5636442ddf7b54230cfd5.txt b/chunks/txt/a35ff62e2e7c461ad439de54d31d43a6d14c2de528e5636442ddf7b54230cfd5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4278cca7de10b0cec9f1f084c47ee41ce9ff10ff
--- /dev/null
+++ b/chunks/txt/a35ff62e2e7c461ad439de54d31d43a6d14c2de528e5636442ddf7b54230cfd5.txt
@@ -0,0 +1,8 @@
+---
+source_url: "https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset#uad-26-resources"
+date_accessed: "2026-01-27T17:45:43.163Z"
+---
+
+[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/a36256560078778988d37ead2f1b253e0f016d53c31aea5f3932f995c86ddd51.txt b/chunks/txt/a36256560078778988d37ead2f1b253e0f016d53c31aea5f3932f995c86ddd51.txt
new file mode 100644
index 0000000000000000000000000000000000000000..84b804c5e5df4d3d15724689d91633882d3d5f8b
--- /dev/null
+++ b/chunks/txt/a36256560078778988d37ead2f1b253e0f016d53c31aea5f3932f995c86ddd51.txt
@@ -0,0 +1,45 @@
+Page 256
+
+Project Information Exhibits
+
+The Project Information Exhibits subsection displays only when images are provided. All text must display above the image in bold font.
+
+Common Amenities/Services
+
+•
+
+Images provided for Common Amenities/Services must be delivered using ImageCategoryType (UID: 1400.0638, FID: 18.012.1) =
+“ProjectAmenity”.
+
+• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 18.012.2).
+
+• The text "Common Amenity or Service " must display above the image followed by the image caption.
+
+Observed Deficiencies
+
+•
+
+Images Provided for Observed Deficiencies must be delivered using ImageCategoryType (UID: 1400.0638, FID: 18.014.1) =
+“ProjectDeficiency”.
+
+• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 18.014.2).
+
+• The text "Observed Deficiency" must display above the image followed by the image caption.
+
+Additional Exhibits
+
+• Any additional images provided must be delivered using ImageCategoryType (UID: 1400.0638, FID: 18.098.1) = “ProjectExhibit”.
+• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 18.098.2).
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+<IMAGE>
+
+<ImageCaptionCommentDescription>Descriptive caption for exhibit.</ImageCaptionCommentDescription>
+<ImageCategoryType>ProjectExhibit</ImageCategoryType>
+<ImageLocationIdentifier>zip://location/ProjectInformationExhibit.jpg</ImageLocationIdentifier>
+<MIMETypeIdentifier>image/jpeg</MIMETypeIdentifier>
+
+</IMAGE>
+
+Reference Key Concept - Image Data for detailed guidance on the various ways images are handled in the URAR.
diff --git a/chunks/txt/a368037054ee48e194e57bbf503b90ec58759c8854415fc1776d4e1cb324eebf.txt b/chunks/txt/a368037054ee48e194e57bbf503b90ec58759c8854415fc1776d4e1cb324eebf.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4a9936c81967c92564a1ea2ff4f13fdbe34c56f0
--- /dev/null
+++ b/chunks/txt/a368037054ee48e194e57bbf503b90ec58759c8854415fc1776d4e1cb324eebf.txt
@@ -0,0 +1,8 @@
+For More Information
+
+For more information about the digital validation that is supported by asset verification reports, visit the DU validation service
+page for a complete listing of documents and materials available to lenders.
+
+© 2024 Fannie Mae
+
+4 of 4
diff --git a/chunks/txt/a37308567a0233c1c623d3be2797ac63476de285d832a4f199fdfe109837ef9e.txt b/chunks/txt/a37308567a0233c1c623d3be2797ac63476de285d832a4f199fdfe109837ef9e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..13e1951fc761c925b5aa48ccf5567a25a7d90579
--- /dev/null
+++ b/chunks/txt/a37308567a0233c1c623d3be2797ac63476de285d832a4f199fdfe109837ef9e.txt
@@ -0,0 +1,42 @@
+all property data collections,
+
+•
+• hybrid appraisals,
+• desktop appraisals, and
+•
+
+traditional appraisals when the layout of the dwelling unit(s) is atypical or
+functionally obsolete, limiting the appeal of the property in comparison to
+competitive properties in the market area.
+
+A footprint sketch can only be used for a traditional appraisal if the layout of the dwelling
+unit(s) is not atypical or functionally obsolete.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 56 of 166
+
+UAD 3.6 Policy
+
+A separate floor plan or footprint sketch that includes legible exterior dimensions
+reported to the nearest tenth of a foot, and room labels must be provided for each
+additional structure including ADUs.
+
+For a unit in an apartment/multifamily condo or co-op project building, the floor plan or
+footprint sketch of the unit must indicate interior perimeter unit dimensions rather than
+exterior building dimensions (dimensions and estimates for unit square footage(s) shown
+in the project documents are acceptable). See Above- and Below- Grade Area(s) in SB4-1.3-
+05, Dwelling Exterior, Unit Interior, and Outbuilding Sections of the Appraisal Report, for
+additional information.
+
+For complete descriptions of a floor plan or footprint sketch, see SE-3-06, Acronyms and
+Glossary of Defined Terms: F.
+
+Street map
+
+A map showing the location of the subject property and the comparables used in the
+appraisal report.
+
+Clear, descriptive color photographs showing the front, back, and street scene of the
+subject property and the front of each comparable. If the subject property has multiple
+dwellings on site, then a front photo of each dwelling is required.
diff --git a/chunks/txt/a37e4eddb6145bd188991286260d210b6fb14d9260fd7fd4f9aa10e22029fe29.txt b/chunks/txt/a37e4eddb6145bd188991286260d210b6fb14d9260fd7fd4f9aa10e22029fe29.txt
new file mode 100644
index 0000000000000000000000000000000000000000..312ac68ae9197be291ed998a710ffedc296e15b6
--- /dev/null
+++ b/chunks/txt/a37e4eddb6145bd188991286260d210b6fb14d9260fd7fd4f9aa10e22029fe29.txt
@@ -0,0 +1,28 @@
+URLA, Section “2b. Other Assets and Credits You Have” is where details of the purchase credits for the
+transaction are provided. In the loan application submission file, include the corresponding data points
+mapped to this section.
+
+The total of the purchase credits in the transaction are found in the URLA Lender Loan Information
+Section “L4. Qualifying the Borrower” on line M. Other Credits. The lender does not include a total in
+the loan application submission file. Fannie Mae will calculate the total of other credits in DU.
+
+The enumeration “LotEquity” is not a valid enumeration for PurchaseCreditType and must be structured in
+the XML using PurchaseCreditType = “Other” and PurchaseCreditTypeOtherDesciption =
+“LotEquity”.
+
+A single instance of a Purchase Credit record in the loan application file should include a valid
+PurchaseCreditType or a PurchaseCreditSourceType but not both.
+
+The values “EmployerAffiliate”, “LenderAffiliate” and “OtherInterestedParty” are not valid values for
+PurchaseCreditSourceType and must be structured in the XML using PurchaseCreditSourceType =
+“Other” and PurchaseCreditSourceTypeOtherDescription.
+
+7. How is rental income for the purchase or refinance of a 2-4 unit property entered in the URLA
+
+and included in the loan application submission file?
+
+For Purchase transactions where there is rental income related to the subject property, either investment or
+a 2-4 unit primary residence, the amount of the expected (gross) monthly rental income is entered in
+section “4c. Rental Income on the Property You Want to Purchase”. The lender will calculate the net
+monthly rental income and included it in the loan application submission file in data point
+RentalEstimatedNetMonthlyRentAmount (UID 4.0075).
diff --git a/chunks/txt/a381af4ae9234a4c466b63796acc50b0349314cd15130b89bfec2976ba005ad6.txt b/chunks/txt/a381af4ae9234a4c466b63796acc50b0349314cd15130b89bfec2976ba005ad6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a46a3a23819d734c0fbacdb2121878dfa191dc72
--- /dev/null
+++ b/chunks/txt/a381af4ae9234a4c466b63796acc50b0349314cd15130b89bfec2976ba005ad6.txt
@@ -0,0 +1,108 @@
+Overall
+
+Cooperative Information: Project Blanket Financing (Overall)
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+18.026 Project Blanket
+
+Financing
+
+Required if the
+property is in a
+cooperative or condop
+
+Allowable
+Answers / Format
+
+Yes | No
+
+Definition / Additional Guidance
+
+Indicates whether the cooperative has mortgage financing that encompasses
+the entire project.
+•
+•
+
+Yes (the Project Blanket Financing table displays)
+No (the Project Blanket Financing table does not display)
+
+Appendix F-1: URAR Reference Guide
+
+Page 189 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+18 Project Information
+
+Cooperative Information: Project Blanket Financing (Overall)
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+18.027 Pro Rata Share
+
+Required if Project
+Blanket Financing is
+Yes
+
+Allowable
+Answers / Format
+
+Percent
+
+Definition / Additional Guidance
+
+Pro Rata Share (Percent): The percentage of blanket mortgage payments that
+are attributable to the subject unit.
+Calculated: Shares Attributable to Subject Property (18.024) / Shares Issued and
+Outstanding (18.023), rounded to 4 decimals.
+
+Information For Each Lien
+
+If there is more than one lien on the property, report them in the order of the lien position, starting with the
+first lien.
+
+Cooperative Information: Project Blanket Financing (Repeats for Each Lien)
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+First Lien
+Second Lien
+Third Lien
+Fourth Lien
+
+This is an
+appraiser input
+that does not
+display
+
+Unpaid Principal
+Balance
+
+Line of Credit
+(Maximum:)
+
+Line of Credit
+(Drawn:)
+
+Balloon
+Mortgage
diff --git a/chunks/txt/a3978a8a6e9e15dd8defa978c13a355a803cbf24e0ce0bc1ff23ebef22673e1c.txt b/chunks/txt/a3978a8a6e9e15dd8defa978c13a355a803cbf24e0ce0bc1ff23ebef22673e1c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..337b97c5348d62648bfad5152fe3b0f49c66811c
--- /dev/null
+++ b/chunks/txt/a3978a8a6e9e15dd8defa978c13a355a803cbf24e0ce0bc1ff23ebef22673e1c.txt
@@ -0,0 +1,32 @@
+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
+John P. Appraiser
+John P. Appraiser
+
+05/04/2023
+Date of Signature and Report
+
+Level
+ID
+State
+Expires
+
+Certified Residential
+1234ABCD
+TX
+12/31/2024
+
+Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024
diff --git a/chunks/txt/a3a800df07e627215a9d410388ce07fac859c2a2406e2bbbde84631803fdaed5.txt b/chunks/txt/a3a800df07e627215a9d410388ce07fac859c2a2406e2bbbde84631803fdaed5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..696a28f2ec64fc382628885781c50e9a67206694
--- /dev/null
+++ b/chunks/txt/a3a800df07e627215a9d410388ce07fac859c2a2406e2bbbde84631803fdaed5.txt
@@ -0,0 +1,109 @@
+Report Label
+
+When to Include
+
+Report
+Field ID
+
+6.014
+
+Impact to Value
+/ Marketability
+
+Required if Known
+Renewable Energy
+Components, Building
+Certifications, or
+Efficiency Ratings is
+Yes
+
+If Impact is Adverse, or
+if applicable
+
+6.015
+
+Description
+
+Allowable
+Answers / Format
+
+Adverse,
+Beneficial or
+Neutral
+
+Definition / Additional Guidance
+
+Note: If the impact is unmeasurable, select Neutral and explain why in
+Description.
+
+Free-form
+
+Description of the impact on value and / or marketability.
+
+Appendix F-1: URAR Reference Guide
+
+Page 89 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+06 Energy Efficient and Green Features
+
+Energy Efficient and Green Features Commentary
+
+Report
+Field ID
+
+6.016
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Energy Efficient and Green Features Commentary
+
+Energy Efficient
+and Green
+Features
+Commentary
+
+If applicable
+
+Free-form
+
+Commentary could include information pertinent to the Energy Efficient and
+Green Features section that is not captured in the discrete data, or additional
+details to support the discrete data that is provided.
+
+Energy Efficient and Green Features Exhibits
+
+All photos or images related to the Energy Efficient and Green Features section are displayed in the Energy
+Efficient and Green Features Exhibits subsection. If there are no photos or images, this subsection does not
+display.
+
+Report
+Field ID
+
+See
+iGuide
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Energy Efficient and Green Features Exhibits
+
+If applicable
+
+Photos or images
diff --git a/chunks/txt/a3c0217c1a4036f7c63d03bacd881602a1ef6e8d8e2674f248707dcd51066187.txt b/chunks/txt/a3c0217c1a4036f7c63d03bacd881602a1ef6e8d8e2674f248707dcd51066187.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4cdc0390355323da3cd9f7387f080a711199b1a7
--- /dev/null
+++ b/chunks/txt/a3c0217c1a4036f7c63d03bacd881602a1ef6e8d8e2674f248707dcd51066187.txt
@@ -0,0 +1,73 @@
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+57
+
+Data PointsContainersLegend:Homeownership Education and Housing CounselingPARTYCOUNSELINGROLESBORROWERLEGAL_ENTITYROLECOUNSELING_EVENTSCOUNSELING_EVENTCounselingTypeCounselingConfirmationIndicatorCounselingFormatTypeCounselingCompletedDateFullNamePartyRoleIdentifierPartyRoleTypeCOUNSELING_EVENT_DETAILPARTY_ROLE_IDENTIFIERSPARTY_ROLE_IDENTIFIERROLE_DETAILLEGAL_ENTITY_DETAILINDIVIDUALFullNameNAME
+
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+58
+
+Data PointsContainersLegend:Unmarried AddendumDEALSMESSAGEROLESROLEBORROWER_DETAILPARTIESDomesticRelationshipIndicatorDomesticRelationshipTypeDomesticRelationshipTypeOtherDescriptionDomesticRelationshipStateCodeDEALPARTYDEAL_SETSDEAL_SETBORROWER
+
+Appendix A
+
+Glossary of terms
+
+AUS
+
+Automated Underwriting System
+
+DU
+
+Desktop Underwriter
+
+DUG
+
+Desktop Underwriter for Government Loans
+
+FHFA
+
+Federal Housing Finance Agency
+
+GSE
+
+LOS
+
+Government Sponsored Enterprise(s) (Fannie Mae and Freddie Mac)
+
+Loan Origination System
+
+MISMO Mortgage Industry Standards Maintenance Organization
+
+ULAD
+
+Uniform Loan Application Dataset (this term used throughout this document to refer to
+the MISMO v3.4 dataset mapped to the redesigned URLA)
+
+UMDP
+
+Uniform Mortgage Data Program
+
+URLA
+
+Uniform Residential Loan Application (also known as the Fannie Mae redesigned Form
+1003)
+
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+59
+
+Appendix B
+
+Useful Links:
+
+• MISMO V3x General Information Guide:
+
+o https://www.mismo.org/standards-resources/license-form/version-3-general-
diff --git a/chunks/txt/a3d6447707b197e39934912f749caff45c33c5ae3d2a0e5873319bb6a64d08ab.txt b/chunks/txt/a3d6447707b197e39934912f749caff45c33c5ae3d2a0e5873319bb6a64d08ab.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8d165205cea032cc37022628b9e1ea568039dafe
--- /dev/null
+++ b/chunks/txt/a3d6447707b197e39934912f749caff45c33c5ae3d2a0e5873319bb6a64d08ab.txt
@@ -0,0 +1,131 @@
+Version 1.4
+
+Uniform Closing Dataset
+
+20.0 Adjustable Interest Rate (AIR) Table
+
+Table 142. Adjustable Rate Mortgage
+
+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 INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE
+
+20.4 |
+20.6 |
+4.2.3(1)
+
+Limits on Interest
+Rate Changes -First
+Change
+
+20.6
+
+20.4 |
+4.2.3(1)
+
+Change Frequency
+
+…/INTEREST_RATE_A
+DJUSTMENT/INTERE
+ST_RATE_PER_CHAN
+GE_ADJUSTMENT_R
+ULES/INTEREST_RAT
+E_PER_CHANGE_ADJ
+USTMENT_RULE
+
+AdjustmentRuleType First
+
+PerChangeMaximum
+IncreaseRatePercent
+
+2.0000
+
+PerChangeRateAdjus
+tmentFrequencyMon
+thsCount
+
+60
+
+Second Instance of INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE
+
+20.5 |
+20.7
+
+Subsequent Change …/INTEREST_RATE_P
+ER_CHANGE_ADJUST
+MENT_RULE
+
+AdjustmentRuleType Subsequent
+
+20.7
+
+Limits on Interest
+Rate Changes
+
+PerChangeMaximum
+IncreaseRatePercent
+
+2.0000
+
+20.5 Change Frequency
+
+PerChangeRateAdjus
+tmentFrequencyMon
+thsCount
+
+36
+
+ROF as “First
+Change”
+
+ROF as “2%”
+
+Represented as
+“Beginning of 61st
+Month” on AIR Table
+
+ROF as “Subsequent
+Change” for both
+Change Frequency
+and Limits
+
+ROF as “2%”
+
+Represented as
+“Every 36 months
+after first change” on
+AIR Table
+
+End of INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE Instances
+
+20.2 |
+4.2.1
+
+Initial Interest Rate …/LOAN/TERMS_OF_
+
+NoteRatePercent
+
+2.0000
+
+Represented as “2%”
+
+LOAN
+
+3. MAPPI NG GUI DANCE
+
+20.1 IndexType has explicit enumerated values to cover most indices. However, if an index is not represented on
+the enumerated list, the value of “Other” may be used. If using the enumeration “Other”, the data point
+IndexTypeOtherDescription must contain the name of the index. The index must be stated so that a consumer
+can identify it. A common abbreviation or acronym of the name of the index may be disclosed if it is a commonly
+used public method of identification.
diff --git a/chunks/txt/a3ee21f6276062ff151c70fcd9c302fae9c44319453f44b06b12c04f9dae3c6a.txt b/chunks/txt/a3ee21f6276062ff151c70fcd9c302fae9c44319453f44b06b12c04f9dae3c6a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..aa9ad9313a4d7714922635bf0e11a0f1009d0102
--- /dev/null
+++ b/chunks/txt/a3ee21f6276062ff151c70fcd9c302fae9c44319453f44b06b12c04f9dae3c6a.txt
@@ -0,0 +1,44 @@
+If any action the lender takes or fails to take in overseeing the renovation work affects Fannie Mae’s ability to acquire clear title to
+the property, the lender may be required to repurchase the loan.
+
+The lender must maintain a copy of all documentation that supports the renovation work, including plans and specifications, “as
+completed” appraisal, renovation contract, renovation loan agreement, Completion Report, title insurance endorsements or
+updates, and any other related documentation in the loan file. For more information about the specialized legal documentation
+Fannie Mae requires for a HomeStyle Renovation loan, see Selling Guide Subpart B8, Closing: Legal Documents.
+
+Delivery and Recourse Requirements
+
+A lender may deliver a HomeStyle Renovation loan as soon as it is closed; the renovation does not need to have been completed
+when the loan is delivered as long as the lender delivers that loan with recourse. If the borrower defaults under the terms of the
+loan before the work is completed, and that default continues for at least 120 days, the lender may be required to repurchase the
+loan. One of the following SFCs is required when the loan is delivered.
+
+If the HomeStyle Renovation mortgage is
+delivered…
+
+Then…
+
+And the lender must deliver…
+
+• when the renovation is not complete
+• when the renovation is complete
+• one or more ENERGY STAR-certified
+
+improvements
+
+• other improvements eligible for
+HomeStyle Energy but does not
+include any ENERGY STAR-certified
+improvements
+
+the loan is delivered with recourse
+
+•
+• no recourse obligation applies
+•
+the loan is also eligible for
+HomeStyle Energy and a $500
+LLPA credit
+the loan is also eligible for
+HomeStyle Energy and a $500
+LLPA credit
diff --git a/chunks/txt/a40bfcc350a2302dd6374c95bb9fd9eae1429c5b26aec92a918da7c545004b4e.txt b/chunks/txt/a40bfcc350a2302dd6374c95bb9fd9eae1429c5b26aec92a918da7c545004b4e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fff53719f29b7dea7b100c3ccd81a70e2826a23a
--- /dev/null
+++ b/chunks/txt/a40bfcc350a2302dd6374c95bb9fd9eae1429c5b26aec92a918da7c545004b4e.txt
@@ -0,0 +1,116 @@
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+
+10
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+20
+
+String
+
+This field should indicate the land rights appraised (e.g. Leasehold or Fee
+Simple).
+
+R
+
+R
+
+R
+
+At least one but no more than two values are
+required.
+
+R
+
+R
+
+R
+
+This field is required if the value of field e-15
+(GSE Location Type) is 'Other'.
+
+CR
+
+CR
+
+CR
+
+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.
+
+CR
+
+T
+
+CR
+
+CR
+
+T
+
+CR
+
+CR
+
+T
+
+CR
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+
+10
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+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.
+
+Form FNM 1004 FRE 70
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 60 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
diff --git a/chunks/txt/a41784851612a531ab2510ed0fe1fecbcb9e93a23b8fc387d0af7f55a038090b.txt b/chunks/txt/a41784851612a531ab2510ed0fe1fecbcb9e93a23b8fc387d0af7f55a038090b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7c8177d4b9fdd1a4db5dd975c498e1734e08f8ef
--- /dev/null
+++ b/chunks/txt/a41784851612a531ab2510ed0fe1fecbcb9e93a23b8fc387d0af7f55a038090b.txt
@@ -0,0 +1,74 @@
+12. PAYMENT INCREASE
+
+The PaymentIncreaseIndicator = “true” only for ARMs.
+
+Figure 87. Rendering PaymentIncreaseIndicator on the CD.
+
+Loan Terms
+
+4.0
+
+Can this amount increase after closing?
+
+4.3 Monthly Principal & Interest
+
+4.3.2 YES
+
+4.3.3
+
+13. PREPAYMENT PENALTY
+
+The GSEs do not purchase loans for which a charge is imposed for paying all or part of a loan’s principal before the date
+
+on which the principal is due. Therefore, the value for PrepaymentPenaltyIndicator should always be “false”.
+
+UCD v2.0 Implementation Guide
+
+- 113 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Loan Terms
+
+4.4 Prepayment Penalty
+
+Figure 88. Rendering PrepaymentPenaltyIndicator on the CD.
+
+4.0
+
+Does the loan have these features?
+
+4.4.2 NO
+
+4.4.3
+
+14. SEASONAL PAYMENTS
+
+The GSEs do not purchase loans with terms expressly providing that payments are not scheduled between regular,
+specified periods (having seasonal payments). Therefore, the value for SeasonalPaymentFeatureIndicator should always be
+“false” and there is nothing to render on the CD.
+
+15. SUBORDINATE FINANCING
+
+The CD does not capture details about subordinate financing except in two specific cases:
+
+i. When any of the proceeds of a junior lien are used to finance part of the purchase price.
+
+ii.
+
+For information purposes only, when the borrower has paid off a seller’s junior lien outside of closing as a
+condition of the sale.
+
+Figure 89. Rendering TotalSubordinateFinancingAmount on the CD.
+
+Summaries of Transactions
+
+BORROWER’S TRANSACTION
+
+12.0 L. Paid Already by or on Behalf of Borrower at Closing
+
+12.0.1
diff --git a/chunks/txt/a41ffcbe637e28a447b0d902ebd2622c26f0e1dce55e6ce313d89a765555a71f.txt b/chunks/txt/a41ffcbe637e28a447b0d902ebd2622c26f0e1dce55e6ce313d89a765555a71f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..13c64d70f9c94a2a4e7533f37712976f12df7934
--- /dev/null
+++ b/chunks/txt/a41ffcbe637e28a447b0d902ebd2622c26f0e1dce55e6ce313d89a765555a71f.txt
@@ -0,0 +1,19 @@
+FHFA News Release: [FHFA Issues New Payment Monitoring Report](/news/news-release/fhfa-issues-new-prepayment-monitoring-report) (05/22/2018)
+
+[FHFA Announces June 2019 Implementation of the New Uniform Mortgage-Backed Security](/news/news-release/fhfa-announces-june-2019-implementation-of-the-new-uniform-mortgage-backed-security) (03/28/2018)
+
+FHFA News Release: [FHFA Updates Progess on the Single Security Initiative and Common Securitization Platform](/news/news-release/fhfa-updates-progress-on-the-single-security-initiative-and-common-securitization-platform) (12/04/2017)
+
+[*An Update on the Single Security Initiative and the Common Securitization Platform*](/document/an-update-on-the-single-security-initiative-and-the-common-securitization-platform-december-2017) (12/04/2017)
+
+[Single Security Initiative Illustrative Implementation Schedule](/media/33576) (12/04/2017, updated May 2018)
+
+[SIFMA Single Security Webinar](/document/single-security-sifma-webinar) (10/04/2017)
+
+[*Freddie Mac and Fannie Mae Single Security Initiative Market Adoption Playbook*](/document/single-security-initiative-market-adoption-playbook) (09/06/2017, updated September 2018)
+
+[Submit input](/public-input) (select *Single Security Initiative (SSI) and the Common Securitization Platform (CSP)*in pull down menu)
+
+[Review input submitted](/discussion-topics-overview?tab=all) (select *Single Security Initiative (SSI) and the Common Securitization Platform (CSP)*in pull down menu)
+
+[Fannie Mae Single Security and Common Securitization Platform (CSP) Web page](https://www.fanniemae.com/newsroom/fannie-mae-news/statement-single-security-initiativecommon-securitization-platform-update-andrew-bon-salle)
diff --git a/chunks/txt/a43490ac6d6348dca2e294e51751045a9b5b52bdb0505e108b04037f7872df32.txt b/chunks/txt/a43490ac6d6348dca2e294e51751045a9b5b52bdb0505e108b04037f7872df32.txt
new file mode 100644
index 0000000000000000000000000000000000000000..43c35820262ef641b0f7c291331adcc95fbaa98d
--- /dev/null
+++ b/chunks/txt/a43490ac6d6348dca2e294e51751045a9b5b52bdb0505e108b04037f7872df32.txt
@@ -0,0 +1,93 @@
+CR
+
+CR
+
+CR
+
+20
+
+String
+
+If field 2-43 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.
+
+1
+
+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.
+
+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.
+
+CR
+
+CR
+
+CR
+
+T
+
+T
+
+T
+
+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 a property feature named in
+Property Feature Name and
+associated by Property Feature
+Sequence Identifier.
+
+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.
+
+A free-form text field used to further
+describe a property feature named in
+Property Feature Name and
+associated by Property Feature
+Sequence Identifier.
+
+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/a45429b41d52f903382004afcf45578046a4380c5244516578119dd54d1932e1.txt b/chunks/txt/a45429b41d52f903382004afcf45578046a4380c5244516578119dd54d1932e1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..22f47b1f4e421e24fd45ce71245208bfc0793ed7
--- /dev/null
+++ b/chunks/txt/a45429b41d52f903382004afcf45578046a4380c5244516578119dd54d1932e1.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/reports/fhlbank-system-at-100"
+date_accessed: "2026-01-27T17:54:20.786Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/a45fd2475d69643d011b4459d6f5cd1d82b61fa2461ecfff46cd69b8a864aeeb.txt b/chunks/txt/a45fd2475d69643d011b4459d6f5cd1d82b61fa2461ecfff46cd69b8a864aeeb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ddc12e69f537158e1b923231572894d733974e97
--- /dev/null
+++ b/chunks/txt/a45fd2475d69643d011b4459d6f5cd1d82b61fa2461ecfff46cd69b8a864aeeb.txt
@@ -0,0 +1,60 @@
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 149 of 166
+
+UAD 3.6 Policy
+
+The following are ineligible for loans secured by manufactured housing:
+
+•
+
+investment properties,
+
+• manufactured homes located on leased land and subject to a ground lease, unless located in a Fannie Mae-approved
+
+condo or PUD project, and
+
+• manufactured homes in co-op projects.
+
+Manufactured Housing Standards
+
+The loan must be secured by both the manufactured home and the borrower's interest in the land on which it is situated, and
+both the manufactured home and the land must be legally classified as real property under applicable state law.
+
+Note: At the time of sale of the loan to Fannie Mae, the home must no longer be classified as personal property, and all steps
+required to classify the home as real property must have been completed.
+
+See B2-3-02, Special Property Eligibility and Underwriting Considerations: Factory-Built Housing, and Manufactured Housing
+Product Matrix for additional information.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 150 of 166
+
+UAD 3.6 Policy
+
+SB5-2-03, Manufactured Housing Underwriting Requirements (12/10/2025)
+
+Introduction
+
+This topic contains information on manufactured housing underwriting considerations, including:
+
+• Underwriting and DU Requirements
+
+• Loan Amount
+
+• Down Payment Requirements
+
+• Trade Equity from the Borrower’s Existing Manufactured Home
+
+• Traded Manufactured Homes
+
+• Purchase Money Transactions
+
+• Limited Cash-Out Refinance Transactions
+
+• Cash-Out Refinance Transactions
+
+• New Construction of a Manufactured Home
+
+• Construction-to-Permanent Transactions
diff --git a/chunks/txt/a46140a16eb56afdd76707cb526ad84845d96cbba8a3b29a9a200eafe363c379.txt b/chunks/txt/a46140a16eb56afdd76707cb526ad84845d96cbba8a3b29a9a200eafe363c379.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c31f527466bf1b706d168fe138a3305fefe5d3a9
--- /dev/null
+++ b/chunks/txt/a46140a16eb56afdd76707cb526ad84845d96cbba8a3b29a9a200eafe363c379.txt
@@ -0,0 +1,43 @@
+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 Lenders Handbook
+
+https://benefits.va.gov/warms/pam26_7.asp
+
+VA Circulars
+
+VA Loan Limits
+
+https://www.benefits.va.gov/HOMELOANS/resources_circulars.asp
+
+https://www.va.gov/housing-assistance/home-loans/loan-limits/
+
+VA Regional Loan Centers: Contact
+Information
+
+https://www.benefits.va.gov/homeloans/contact_rlc_info.asp
+
+© 2025 Fannie Mae.
+
+10.15.2025
+
+1 of 2
+
+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 Single-Family Market Engagement 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).
+
+© 2025 Fannie Mae.
+
+10.15.25 2 of 2
diff --git a/chunks/txt/a469b1918c6cd47f944ea4c44e5533fa4c3c8de13a03702da5410559cb89067a.txt b/chunks/txt/a469b1918c6cd47f944ea4c44e5533fa4c3c8de13a03702da5410559cb89067a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b8873228e66d5066abc87e1605368d3894f3d0e1
--- /dev/null
+++ b/chunks/txt/a469b1918c6cd47f944ea4c44e5533fa4c3c8de13a03702da5410559cb89067a.txt
@@ -0,0 +1,70 @@
+Date/Time
+
+Data Format:
+yyyy-mm-dd
+
+PDF Display Format:
+mm/dd/yyyy
+
+String
+
+UAD Requirement – Refer to Appendix D Appraiser Certification Section
+
+String
+
+UAD Requirement – Refer to Appendix D Appraiser Certification Section
+
+String
+
+UAD Requirement – Refer to Appendix D Appraiser Certification Section
+
+String
+
+Should conform to USPS (Pub 28). The following address element should be included
+in this field:
+• USPS two-letter state or territory representation
+
+UAD Requirement - Refer to Appendix D Appraiser Certification Section
+
+Date/Time
+
+Data Format:
+yyyy-mm-dd
+
+PDF Display Format:
+mm/dd/yyyy
+
+One and only one of the fields 6-13, 6-14
+(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
+(Appraiser License Identifier and values of
+Appraiser License Type) is required unless
+the value of field 6-15 is 'trainee'.
+
+If the word 'trainee' is present this field is
+required.
+
+This field is required unless the value of
+field (6-15) is 'trainee' and fields 6-13 and 6-
+14 are not populated.
+
+String
+
+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 (fields 1-6, 3-11, 6-19) and must be represented consistently.
+
+The following address elements should be included in this field:
+• Street number
+• Street name (including applicable pre-directional indicator, suffix, and/or post-
+directional indicator)
+
+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.
diff --git a/chunks/txt/a46a5da588c7a8849a1593bb4b133680a384c84288690945c8c75a94217bea1e.txt b/chunks/txt/a46a5da588c7a8849a1593bb4b133680a384c84288690945c8c75a94217bea1e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9b2879f02ea65fb139657a977db9f0e58d8715e6
--- /dev/null
+++ b/chunks/txt/a46a5da588c7a8849a1593bb4b133680a384c84288690945c8c75a94217bea1e.txt
@@ -0,0 +1,76 @@
+/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Water
+']/@_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='Water
+'/@_NonPublicIndicator
+
+Site Utility Non
+Public Description
+
+A free-form text field used to describe the
+ownership of the utility specified by Site
+Utility Type if it is a non-public utility.
+
+/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Water
+']/@_NonPublicDescription
+
+Site Utility Public
+Indicator
+
+Indicates whether the utility specified by
+Site Utility Type is a public utility.
+
+/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Sanita
+rySewer']/@_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='Sanita
+rySewer']/@_NonPublicIndicator
+
+Site Utility Non
+Public Description
+
+A free-form text field used to describe the
+ownership of the utility specified by Site
+Utility Type if it is a non-public utility.
+
+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
+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.
diff --git a/chunks/txt/a477acced2073b9a3cabfcbb89ffe8f7aa3e4abac0008135bdb671b70d45f6f7.txt b/chunks/txt/a477acced2073b9a3cabfcbb89ffe8f7aa3e4abac0008135bdb671b70d45f6f7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..773f68f2d6c9cd33a6eaa4cc13a5c82007a66b20
--- /dev/null
+++ b/chunks/txt/a477acced2073b9a3cabfcbb89ffe8f7aa3e4abac0008135bdb671b70d45f6f7.txt
@@ -0,0 +1,252 @@
+Neighborhood Name
+
+View | Range
+
+Dwelling(s)
+
+Year Built
+
+Heating
+
+Unit(s)
+
+Bedrooms
+
+This is where the
+Dwelling Front photo
+would display.
+
+This is where the
+Comparable 4 photo
+would display.
+
+This is where the
+Comparable 5 photo
+would display.
+
+MLS HC9652147 |
+Assessor Record
+
+MLS HC74563455 |
+Assessor Record
+
+0.71 Miles E
+
+$362,500
+
+Settled Sale
+
+$360,000
+
+$0
+
+$0
+
+$0
+
+No
+
+11/03/2023
+
+12/01/2023
+
+44
+
+—
+
+—
+
+—
+
+—
+
+—
+
+Detached
+
+Detached
+
+$1,900
+
+01/31/2024
+
+03/01/2024
+
+52
+
+Detached
+
+15,000 Sq. Ft.
+
+14,500 Sq. Ft.
+
+Hilltop Hills
+
+Woodland Hills
+
+$0
+
+$0
+
+14,750 Sq. Ft.
+
+Woodland Hills
+
+Residential | Full
+
+Residential | Full
+
+Residential | Full
+
+2018
+
+2018
+
+Forced Warm Air
+| Natural Gas
+
+Forced Warm Air
+| Natural Gas
+
+2018
+
+Forced Warm Air
+| Natural Gas
+
+0.67 Miles E
+
+$369,900
+
+Settled Sale
+
+$365,000
+
+$0
+
+$0
+
+$0
+
+$0
+
+$0
+
+3
+
+2 | 0
+
+3
+
+2 | 0
+
+3
+
+2 | 1
+
+$(3,000)
+
+1,260 Sq. Ft.
+
+1,240 Sq. Ft.
+
+$0
+
+1,278 Sq. Ft.
+
+$0
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+Baths - Full | Half
+
+Finished Area Above Grade
+
+Finished Area Below Grade
+
+Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Exterior Quality and Condition
+
+Quality
+
+Condition
+
+Interior Quality and Condition
+
+Quality
+
+Condition
+
+Overall Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Quality
+
+Condition
+
+Property Amenities
+
+Outdoor Living
+
+Vehicle Storage
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Q4
+
+C3
+
+Deck
+
+Deck
+
+Deck | Portico
+
+$(2,500)
+
+$0
+
+$0
+
+Type | Spaces | Detail
+
+Driveway | 3 | Concrete
+
+Driveway | 4 | Concrete
+
+Driveway | 2 | Concrete
+
+Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K
diff --git a/chunks/txt/a480f3b94614cf2df82d7783f63390a2e6886dc13f89fc266101bc22b79fa88c.txt b/chunks/txt/a480f3b94614cf2df82d7783f63390a2e6886dc13f89fc266101bc22b79fa88c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fdc2fe144c5f113df93d30e9ad28661625cfbdb0
--- /dev/null
+++ b/chunks/txt/a480f3b94614cf2df82d7783f63390a2e6886dc13f89fc266101bc22b79fa88c.txt
@@ -0,0 +1,5 @@
+Data Mapping and PDF Rendering Information .................................................................................................................................................................. 17
+
+Contact Information ................................................................................................................................................................................................... 21
+
+Assignment Information and Scope of Work Commentary ....................................................................................................................................... 34
diff --git a/chunks/txt/a48b022d12c626232cd0bb3f41f325961108c3556bc4852872d9b941096ba07f.txt b/chunks/txt/a48b022d12c626232cd0bb3f41f325961108c3556bc4852872d9b941096ba07f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..483784604f1dd5e3558e99744e14a8afcc271aea
--- /dev/null
+++ b/chunks/txt/a48b022d12c626232cd0bb3f41f325961108c3556bc4852872d9b941096ba07f.txt
@@ -0,0 +1,41 @@
+Note: The lender may not exercise a value acceptance offer if an appraisal is obtained for the transaction.
+
+See Selling Guide B5-7-02, High LTV Refinance Underwriting, Documentation, and Collateral Requirements for the New Loan for
+additional information about high LTV refinance value acceptance.
+
+Representations and Warranties
+
+When a loan casefile is eligible for value acceptance and the offer is exercised by the lender, Fannie Mae accepts the value
+estimate submitted by the lender as the value for the subject property. See Selling Guide A2-2-06, Representations and Warranties
+on Property Value for more information.
+
+Rural High-Needs Value Acceptance
+
+In selected rural high-needs areas, Fannie Mae may offer value acceptance through DU for certain transactions. This value
+acceptance offer may be combined with other loan products, such as HomeReady.
+
+The rural high-needs value acceptance offer will be considered for the following transactions only:
+
+• DU loan casefiles that receive an Approve/Eligible recommendation;
+• purchase transactions;
+• one-unit principal residence properties (excluding manufactured homes);
+• borrowers with income at or below 100% of the area median income; and
+•
+
+LTV ratios up to 97% and CLTV ratios up to 105% with a Community Seconds.
+
+The following are ineligible for rural high-needs value acceptance:
+
+•
+•
+•
+
+cash-out or limited cash-out refinances;
+second homes and investment properties; and
+all other transactions that are ineligible for value acceptance as listed above.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 122 of 166
+
+UAD 3.6 Policy
diff --git a/chunks/txt/a4908338c867b65a7a53136b265fdbb2cc581577e844cc0536b039eb337fb8c7.txt b/chunks/txt/a4908338c867b65a7a53136b265fdbb2cc581577e844cc0536b039eb337fb8c7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ac582acae6645f1b51200130f2d0dd568b92dd70
--- /dev/null
+++ b/chunks/txt/a4908338c867b65a7a53136b265fdbb2cc581577e844cc0536b039eb337fb8c7.txt
@@ -0,0 +1,63 @@
+Streamlined PERS Submission Process—For Established Projects
+
+The streamlined sb4-2. submission process for established condo projects is as follows:
+
+Step
+
+Action
+
+1.
+
+The lender performs a basic review to determine if the project satisfies all applicable Fannie Mae project
+eligibility and underwriting requirements prior to submission to PERS.
+
+The lender completes a project submission package, which includes:
+
+2.
+
+Application for Approval of Established Project (Form 1091).
+
+•
+• Condominium Project Questionnaire (Form 1076), or a substantially similar form, completed within
+
+the past 180 days.
+
+• An appraisal report for a representative unit in the project meeting the following requirements:
+
+o The effective date of the appraisal report must be within 120 days of the PERS application.
+o The appraisal report must include photographs of the project, including:
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 144 of 166
+
+UAD 3.6 Policy
+
+Step
+
+Action
+
+the entire front of the building where the representative unit is located,
+
+recreational amenities,
+
+▪
+▪ private streets,
+▪
+▪ parking,
+▪
+▪
+
+commercial space, and
+common areas.
+
+• Current fiscal year’s approved operating budget reflects homeowners’ association income and
+
+expenses.
+
+• Reserve study completed within the past 24 months (only required for projects that are not funding a
+minimum of a 10% dedicated expense allocation in the budget to a replacement reserve for the
+future repair/replacement of the project’s major components).
+
+The lender submits the complete project package, including all relevant supporting documentation, via email
+using the PERS Project Submission mailbox. See Selling Guide E-1-02, List of Contacts.
diff --git a/chunks/txt/a4b5ee0a2f8c59f7a9b050b214c98d0d68ac6890c9b05ad91fb7b99e58afe7a9.txt b/chunks/txt/a4b5ee0a2f8c59f7a9b050b214c98d0d68ac6890c9b05ad91fb7b99e58afe7a9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f3997a63dae4cea9a7632a9489fde6fdea13c4b0
--- /dev/null
+++ b/chunks/txt/a4b5ee0a2f8c59f7a9b050b214c98d0d68ac6890c9b05ad91fb7b99e58afe7a9.txt
@@ -0,0 +1,46 @@
+Full Review for New Projects
+
+Must have been completed within 180 days prior to the
+note date
+
+Approved by Fannie Mae as reflected in CPM
+
+Must be valid (unexpired) as of the note date
+
+Approved by FHA
+
+Must be valid (unexpired) as of the note date
+
+Loans must be delivered to Fannie Mae within 120 days following the note date. When the elapsed time between note date and
+delivery date exceeds this limit, the lender may deliver the loan only if the project continues to meet Fannie Mae project eligibility
+requirements at the time of delivery.
+
+Loans secured by units in a project that fails to meet Fannie Mae’s project eligibility requirements under the applicable review
+type as of the note date are eligible for delivery after the project comes into compliance with the eligibility requirements
+(provided all standard mortgage seasoning and other applicable requirements are met). For example, if a lender closes a loan in a
+new project for which the pre-sales are less than the pre-sale requirement, the lender may deliver the loan after the project’s pre-
+sales meet the Fannie Mae requirement (assuming the loan meets all other applicable requirements).
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 137 of 166
+
+UAD 3.6 Policy
+
+SB4-2.2-06, Project Eligibility Review Service (PERS) (12/10/2025)
+
+Introduction
+
+This topic contains information on Fannie Mae's Project Eligibility Review Service (PERS), including:
+
+Standard PERS Submission Process
+
+• Overview
+•
+• Required Forms for Standard PERS Submission
+• Additional Requirements—For Newly Converted Non-Gut Rehabilitation Condo or Co-op Projects
+• Additional Requirements - For Condo and PUD Projects Comprised of Manufactured Homes
+•
+• Approval Designations
+• Availability of Project Information
+• Decision Expiration Dates
diff --git a/chunks/txt/a4b91e07a8722a1a8b6964f40e8287f2d15798650d63c9ad139ef42c7398d582.txt b/chunks/txt/a4b91e07a8722a1a8b6964f40e8287f2d15798650d63c9ad139ef42c7398d582.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6d307ac41fa63e24b0196b32c17a189eaeb4d175
--- /dev/null
+++ b/chunks/txt/a4b91e07a8722a1a8b6964f40e8287f2d15798650d63c9ad139ef42c7398d582.txt
@@ -0,0 +1,76 @@
+document-specific IntegratedDisclosuresLoanProductDescription. This string field allows the flexibility
+for compliance with specifications for Product set by the Regulation. However, for receiving systems to
+readily identify a loan’s amortization type, the GSEs also require AmortizationType with discrete
+enumerations. See 3. To Support Data Clarity
+
+b. See V. Consolidated Mapping Guidance entry for document specific data.
+
+3. 4 LOAN TYPE
+
+Loan Type is indicated with a checked box next to one of the following values: Conventional, FHA, VA, or
+“_______”. If the blank box is checked, the loan type is written in.
+
+3.0 Loan Information
+
+Appendix E: UCD Implementation Guide
+
+Page 53 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+3.0 Loan Information
+
+3.3 Product
+
+5/3 Adjustable Rate
+
+3.4 Loan Type  Conventional  FHA
+
+ VA _______________
+
+3.5 Loan ID# 123456789
+
+Figure 23. Loan Type
+
+1. CONVENTI ONAL, FHA, OR VA
+
+Loan Types of “Conventional,” “FHA” or “VA” are provided in the UCD file per Table 37:
+
+Table 37. Loan Type = “Conventional,” “FHA,” or “VA”
+
+ID
+
+Form Field
+Name
+
+MISMO v3.3.0 Context
+
+MISMO v3.3.0
+Data
+Point/Attribute
+
+MISMO
+v3.3.0 Value
+
+Notes
+
+3.4
+
+Loan Type …/LOAN/TERMS_OF_LOAN
+
+MortgageType
+
+Conventional ROF as  Conventional
+
+2. OTHER
+
+If the Loan Type box next to the blank is checked a short description must be provided. The data may be
+represented in one of two ways in the XML file.
+
+a. OTHER LOAN TYPE MAPS TO MORTGAGE TYPE ENUMERATION
+
+If the loan is guaranteed or insured by a state or local jurisdiction, USDA’s Department of Rural Development, or
+HUD’s Department of Public and Indian Housing, use the applicable MortgageType enumeration to support
+them: (“StateAgency”, “LocalAgency”, “USDARuralDevelopment”, or “PublicAndIndianHousing”).
diff --git a/chunks/txt/a4c254764276848a344ec1ec621eda4fac972f53618c06240a801d57bcf175da.txt b/chunks/txt/a4c254764276848a344ec1ec621eda4fac972f53618c06240a801d57bcf175da.txt
new file mode 100644
index 0000000000000000000000000000000000000000..19968ee586953a52a4d3b47ec33215a13a90e60f
--- /dev/null
+++ b/chunks/txt/a4c254764276848a344ec1ec621eda4fac972f53618c06240a801d57bcf175da.txt
@@ -0,0 +1,75 @@
+The display of this section varies depending on the number of dwellings and units and whether the homeowner
+is responsible for exterior maintenance.
+
+Example 1: Single-Family Property
+
+• 1 unit
+• Homeowner is responsible for exterior maintenance (Exterior Quality and Exterior Condition are applicable)
+
+Example 2: High-rise Condo
+
+• 1 unit
+• Homeowner is not responsible for exterior maintenance (Exterior Quality and Exterior Condition are not
+
+applicable)
+
+Appendix F-1: URAR Reference Guide
+
+Page 172 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+15 Overall Quality and Condition
+
+Example 3: Multiple Dwellings / Multiple Units
+
+• Three units in two separate buildings (dwellings)
+
+• Exterior Quality and Exterior Condition are displayed for each dwelling
+•
+Interior Quality and Interior Condition are displayed for each unit
+
+Overall Quality and Condition
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+15.000 Overall Quality
+
+Always required
+
+15.005 Overall
+
+Always required
+
+Q1 to Q6
+
+C1 to C6
+
+The overall quality rating of all dwellings on the property.
+
+The overall condition rating of all dwellings on the property.
+
+Condition
+
+Note: Reflects the condition as if any required repairs, inspections, or
+completions have been satisfactorily completed.
+
+Exterior Quality and Condition
+
+If applicable, Exterior Quality and Condition ratings are redisplayed from the Dwelling Exterior section(s) to give
+context to the Overall Quality and Condition ratings.
+
+If the field Homeowner Responsible for all Exterior Maintenance of Dwellings (3.016) is No, Exterior Quality and
+Condition is not applicable and does not display.
diff --git a/chunks/txt/a4ceafe953609e530f3287be68bdacb05a7781d8a85f8efb2f6f163f6c52a14c.txt b/chunks/txt/a4ceafe953609e530f3287be68bdacb05a7781d8a85f8efb2f6f163f6c52a14c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e81d6739a57f2f24b93fe893e91136c1a08d695e
--- /dev/null
+++ b/chunks/txt/a4ceafe953609e530f3287be68bdacb05a7781d8a85f8efb2f6f163f6c52a14c.txt
@@ -0,0 +1,247 @@
+Federal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices
+
+41193
+
+I
+
+S
+E
+C
+T
+O
+N
+h
+t
+i
+
+w
+D
+O
+R
+P
+1
+B
+6
+L
+C
+W
+H
+K
+S
+D
+n
+o
+
+n
+o
+s
+n
+b
+o
+r
+s
+
+i
+
+VerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00055 Fmt 4703 Sfmt 4725 E:\FR\FM\15JYN1.SGM 15JYN1
+
+/
+
+>
+H
+P
+G
+<
+2
+1
+0
+.
+0
+1
+Y
+J
+5
+1
+N
+E
+
+41194
+
+Federal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices
+
+I
+
+S
+E
+C
+T
+O
+N
+h
+t
+i
+
+w
+D
+O
+R
+P
+1
+B
+6
+L
+C
+W
+H
+K
+S
+D
+n
+o
+
+n
+o
+s
+n
+b
+o
+r
+s
+
+i
+
+VerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00056 Fmt 4703 Sfmt 4725 E:\FR\FM\15JYN1.SGM 15JYN1
+
+/
+
+>
+H
+P
+G
+<
+3
+1
+0
+.
+0
+1
+Y
+J
+5
+1
+N
+E
+
+Federal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices
+
+41195
+
+I
+
+S
+E
+C
+T
+O
+N
+h
+t
+i
+
+w
+D
+O
+R
+P
+1
+B
+6
+L
+C
+W
+H
+K
+S
+D
+n
+o
+
+n
+o
+s
+n
+b
+o
+r
+s
+
+i
+
+VerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00057 Fmt 4703 Sfmt 4725 E:\FR\FM\15JYN1.SGM 15JYN1
+
+/
+
+>
+H
+P
+G
+<
+4
+1
+0
+.
+0
+1
+Y
+J
+5
+1
+N
+E
+
+41196
+
+Federal Register / Vol. 75, No. 135 / Thursday, July 15, 2010 / Notices
+
+I
+
+S
+E
+C
+T
+O
+N
+h
+t
+i
+
+w
+D
+O
+R
+P
+1
+B
+6
+L
+C
+W
+H
+K
+S
+D
+n
+o
+
+n
+o
+s
+n
+b
+o
+r
+s
+
+i
+
+VerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00058 Fmt 4703 Sfmt 4725 E:\FR\FM\15JYN1.SGM 15JYN1
diff --git a/chunks/txt/a4d0050cd5189933c60b8a35be0f93ee3c7b262502deaa0fecaad943b108afd6.txt b/chunks/txt/a4d0050cd5189933c60b8a35be0f93ee3c7b262502deaa0fecaad943b108afd6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0bd6edfe6b7262bb03dbd298597d1e8535c03fe6
--- /dev/null
+++ b/chunks/txt/a4d0050cd5189933c60b8a35be0f93ee3c7b262502deaa0fecaad943b108afd6.txt
@@ -0,0 +1,86 @@
+• Royalty Payment Income
+
+•
+
+•
+
+•
+
+Schedule K-1 Income
+
+Trust Income
+
+VA Benefits Income
+
+Asset Type
+
+• Checking Accounts
+
+•
+
+Savings Accounts
+
+• Certificates of Deposit
+
+• Money Mark Accounts
+
+•
+
+Stocks, Bonds, Mutual Funds
+
+• Retirement Accounts
+
+•
+
+•
+
+Trust Accounts
+
+Secured Borrowed Funds
+
+• Grants (Hardest Hit Fund)
+
+• Gifts
+
+one month bank statement reflecting direct deposit.
+
+One recent statement (monthly, quarterly, or annual) showing
+asset balance.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 187 of 166
+
+UAD 3.6 Policy
+
+SB8-2-02, Special-Purpose Security Instruments (12/10/2025)
+
+Introduction
+
+This topic contains general information on special-purpose security instruments, including:
+
+• General Information
+
+• Consolidated New York Mortgages
+
+• Puerto Rico Direct Mortgage Instruments
+
+• Security Instruments for Manufactured Home Mortgages
+
+General Information
+
+Fannie Mae sometimes allows special-purpose alternative documents to be used in lieu of (or in addition to) the typical
+security instruments. These documents can be found on Fannie Mae's Legal Documents website. Authorized changes that
+must or may be made to those documents are set out in the instructions that accompany each document. These instruments
+must be supported by the appropriate mortgage riders, rider addenda, mortgage assignments, and, if applicable, other
+product-specific documentation (see B8-4, Riders and Addenda , and B8-6, Mortgage Assignments ).
+
+Consolidated New York Mortgages
+
+The statutory provisions of New York permit refinance mortgages (and sometimes purchase money mortgages) to be
+documented by a consolidation, extension, and modification agreement (CEMA) that consolidates into one document the
+terms of prior notes and mortgages related to the security property and, if new funds are advanced, the terms of a new note
+and mortgage. In such instances, the consolidation must be documented on Fannie Mae’s standard Consolidation, Extension
+and Modification Agreement (Form 3172), along with any accompanying exhibits Fannie Mae may specify. If new funds are
+advanced, Fannie Mae’s standard security instrument must be used to document the new mortgage that is being
+consolidated with the prior mortgages.
diff --git a/chunks/txt/a4d96c0b249959a7b423f8a7612c1d3fc3cd7344693745d5d6d28a7893c2d8c2.txt b/chunks/txt/a4d96c0b249959a7b423f8a7612c1d3fc3cd7344693745d5d6d28a7893c2d8c2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9541045fef2390c7e1ef0a198eb872a71f7654ad
--- /dev/null
+++ b/chunks/txt/a4d96c0b249959a7b423f8a7612c1d3fc3cd7344693745d5d6d28a7893c2d8c2.txt
@@ -0,0 +1,88 @@
+Specifies the physical status of the
+structure.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE[@BuildingStatusType=
+'UnderConstruction']
+
+PROJECT
+INFORMATION
+
+Project
+Year Built
+
+GSE Year Built
+Estimation Indicator
+
+Indicates that the Year Built is estimated.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_EXTE
+NSION/STRUCTURE_EXTENSION_SECTION[@ExtensionSectionOrganizatio
+nName='UNIFORM APPRAISAL
+DATASET']/STRUCTURE_EXTENSION_SECTION_DATA/STRUCTURE_IN
+FORMATION/@GSEYearBuiltEstimationIndicator
+
+144
+
+PROJECT
+INFORMATION
+
+Year Built
+
+Property Structure
+Built Year
+
+The year in which the dwelling on the
+property was completed.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/@PropertyStructureBui
+ltYear
+
+145
+
+146
+
+147
+
+PROJECT
+INFORMATION
+
+Effective Age
+
+PROJECT
+INFORMATION
+PROJECT
+INFORMATION
+
+Project
+Exterior Walls
+Project
+Roof Surface
+
+GSE Effective Age
+Description
+
+Provide the effective age of the subject
+property, that can be represented as a
+single number or range.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/STRUCTURE_ANAL
+YSIS/STRUCTURE_ANALYSIS_EXTENSION/STRUCTURE_ANALYSIS_E
+XTENSION_SECTION[@ExtensionSectionOrganizationName='UNIFORM
+APPRAISAL
+DATASET']/STRUCTURE_ANALYSIS_EXTENSION_SECTION_DATA/EFF
+ECTIVE_AGE/@GSEEffectiveAgeDescription
+
+Exterior Feature
+Description
+Exterior Feature
+Description
+
+A free-form text field used to describe the
+exterior feature.
+A free-form text field used to describe the
+exterior feature.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/EXTERIOR_FEATUR
+E[@_Type='Walls']/@_Description
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/EXTERIOR_FEATUR
+E[@_Type='RoofSurface']/@_Description
diff --git a/chunks/txt/a4f4498b33a3ba30240870b9815ca0304bcb9ae13c807dc6583bf766ac7443a9.txt b/chunks/txt/a4f4498b33a3ba30240870b9815ca0304bcb9ae13c807dc6583bf766ac7443a9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a4b6fdc141d59c1c90e86318b8851704f910cc87
--- /dev/null
+++ b/chunks/txt/a4f4498b33a3ba30240870b9815ca0304bcb9ae13c807dc6583bf766ac7443a9.txt
@@ -0,0 +1,104 @@
+Other (Describe)
+
+•
+
+Views must be reported and analyzed based on what is readily visible
+from the property dwelling or unit(s). For high-rise, mid-rise and low-rise
+properties, the view is reported at the unit level.
+Photo(s) must be provided of all views that impact value or marketability,
+which display in Site Exhibits with the caption “View”. An additional
+caption must be provided, including the view type and any other
+descriptive information as appropriate.
+
+4.039
+
+View (Primary)
+
+Always required for
+each view
+
+Yes | No
+
+Indicates whether the view is the primary view.
+•
+
+Select Yes for the view with most impact, and if there is more than one
+view, “(Primary)” displays next to the view.
+
+4.040
+
+Range of View
+
+Always required for
+each view
+
+Choose an
+allowable answer
+from table (Range
+of View)
+
+The extent of the view. The range of each view must be described based on the
+view from the property dwelling or unit(s).
+•
+•
+•
+•
+
+Full
+Partial
+Seasonal
+Other (Describe)
+
+4.041
+
+Impact
+
+Always required for
+each view
+
+4.042
+
+View
+Commentary
+
+If relevant
+
+Adverse,
+Beneficial, or
+Neutral
+
+Free-from
+
+Overall commentary for all views
+•
+•
+
+Details captured above that require additional support.
+Information pertinent to views impacting value and /or marketability that
+is not captured in the details above.
+
+Appendix F-1: URAR Reference Guide
+
+Page 69 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+04 Site
+
+Allowable Answer
+
+Definition / Additional Guidance
+
+Range of View (Choose one for each View)
+
+Full
+
+Partial
+
+Seasonal
+
+A generally unobstructed view.
+
+A significantly obstructed or limited view.
diff --git a/chunks/txt/a4f9da2f9726148e8179607b6f01c0e7eae0b641eac33c83363a4f0bc99d0b71.txt b/chunks/txt/a4f9da2f9726148e8179607b6f01c0e7eae0b641eac33c83363a4f0bc99d0b71.txt
new file mode 100644
index 0000000000000000000000000000000000000000..58f0336edefbda6229f95f43f5d7eacea2e0c61d
--- /dev/null
+++ b/chunks/txt/a4f9da2f9726148e8179607b6f01c0e7eae0b641eac33c83363a4f0bc99d0b71.txt
@@ -0,0 +1,68 @@
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+10.043 Overall Update
+
+Always required
+
+Status for
+Bathrooms
+
+Unit Interior: Overall Update Status for Bathrooms
+
+Allowable
+Answers / Format
+
+Choose an
+allowable answer
+from table (Overall
+Update Status for
+Bathrooms)
+
+Definition / Additional Guidance
+
+Based on the appraiser’s analysis and determination considering the overall
+level of updating, the update status of all bathroom(s) in aggregate.
+•
+Fully Updated
+•
+Significantly Updated
+• Moderately Updated
+•
+Not Updated
+
+Allowable Answer
+
+Fully Updated
+
+Significantly Updated
+
+Moderately Updated
+
+Overall Update Status for Bathrooms (Choose one for the unit)
+
+Definition / Additional Guidance
+
+The bathroom(s) and all elements are completely modernized, renovated, refinished, or remodeled and in like new
+condition. Note: This includes gut rehabs, new additions, or new construction.
+
+The majority of the bathroom(s) or the main elements, (e.g., flooring, cabinetry, fixtures) appear to have been updated.
+However, not all bathrooms or main elements are fully updated.
+
+The bathroom(s) contain minor updates and minimum modernization with only some of the main elements appearing to
+have been updated.
+Note: If the unit has one or more bathrooms that are all Partially Updated, choose this answer.
+
+Not Updated
+
+No modernization and no renovation, refinishing, or remodeling to the bathroom(s); or any updates that have been made
+were completed in a timeframe that renders their impact negligible.
+
+Interior Features
+
+The Interior Features table provides specifics about the Interior Quality and Condition ratings, which ultimately
+support the Overall Quality and Condition ratings. It includes a row for each of the following:
diff --git a/chunks/txt/a51115c95a3e819d083806a3fd5e91acde043abcfa0a0f2e008a59ec78746017.txt b/chunks/txt/a51115c95a3e819d083806a3fd5e91acde043abcfa0a0f2e008a59ec78746017.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f576ae2b3f315a3c5539327b5954da115a9eb7c3
--- /dev/null
+++ b/chunks/txt/a51115c95a3e819d083806a3fd5e91acde043abcfa0a0f2e008a59ec78746017.txt
@@ -0,0 +1,131 @@
+Appendix F-1: URAR Reference Guide
+
+Page 52 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Ownership Rights
+
+03 Subject Property
+
+Report
+Field ID
+
+3.027
+
+3.028
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Subject Property: Ownership Rights
+
+All Rights
+Included in
+Appraisal
+
+Rights Not
+Included
+
+Required if Site Owned
+in Common is No
+
+Required if All Rights
+Included in Appraisal is
+No
+
+Yes | No
+
+Indicates whether all ownership rights are being included in the appraisal.
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+Ownership rights that are not being included in the appraisal.
+•
+Air Rights
+• Mineral Rights
+•
+Timber Rights
+• Water Rights
+•
+
+Other (Describe)
+
+3.029 Mineral Rights
+Leased
+
+Yes | No
+
+Required for FHA,
+USDA, and VA
+appraisals when
+mineral rights are
+included
+
+3.030
+
+Description of
+Rights Not
+Included
+
+Required if All Rights
+Included in Appraisal is
+No
+
+Free-form
+
+Legal Description
+
+Indicates whether mineral rights for the subject property are subject to a lease
+agreement.
+Reference the appropriate government agency appraisal guidelines for more
+information.
+
+Provide a description of ownership rights that are not included in the appraisal,
+including the impact to value and / or marketability.
+
+Report
+Field ID
+
+3.031
+
+See
+iGuide
+
+Subject Property: Legal Description
+
+Report Label
+
+When to Include
+
+Legal
+Description
+
+Always required
+
+Allowable
+Answers / Format
+
+Free-form or
+image
+
+Definition / Additional Guidance
+
+Description of all parcels being valued in the appraisal.
+
+Provide one Legal Description for the entire property, including all parcels. It
+may be provided as text or as an image, such as in cases where the Legal
+Description is lengthy. A caption may be provided to further identify the image.
diff --git a/chunks/txt/a51859fd8aef2c3918020bd9d93d4c6e4baed850bd3d07727a57fbd9f923f7fe.txt b/chunks/txt/a51859fd8aef2c3918020bd9d93d4c6e4baed850bd3d07727a57fbd9f923f7fe.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1a89ecd1b3518ecd1eee160b9284129a1e9fcfd1
--- /dev/null
+++ b/chunks/txt/a51859fd8aef2c3918020bd9d93d4c6e4baed850bd3d07727a57fbd9f923f7fe.txt
@@ -0,0 +1,112 @@
+The items listed below represent the As Is condition as of the effective date of this report
+
+Feature
+Roof
+
+Location
+Section of Roof
+
+Description
+Roof is significantly worn and has damaged
+flashing, but no apparent active leaks.
+
+Affects Soundness or
+Structural Integrity
+Yes
+
+Recommended
+Action
+Repair
+
+Dwelling Exterior Commentary
+
+Condition Status is reflective of noted repair having been completed.
+
+Dwelling Exterior Exhibits
+
+Dwelling Front
+
+Dwelling Rear
+
+This is where the Dwelling Front photo would display.
+
+This is where the Dwelling Rear photo would display.
+
+Apparent Defects, Damages, Deficiencies -
+Roof - Damaged Flashing
+
+This is where the Roof Defect 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 7 of 21
+Page 7 of 21
+
+Unit Interior
+
+Area Breakdown
+
+Finished Above Grade
+Unfinished Above Grade
+Finished Below Grade
+Unfinished Below Grade
+
+Area Data Source
+Below Grade Finish Compared
+to Above
+
+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
diff --git a/chunks/txt/a5191287824b4320f5c7f361320ae2d43f13f7eaf49df5ccc1dc0593819c72d3.txt b/chunks/txt/a5191287824b4320f5c7f361320ae2d43f13f7eaf49df5ccc1dc0593819c72d3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4b7fee3a13a0f73b335fa2d7eb6a89a50e1eee77
--- /dev/null
+++ b/chunks/txt/a5191287824b4320f5c7f361320ae2d43f13f7eaf49df5ccc1dc0593819c72d3.txt
@@ -0,0 +1,151 @@
+This field should be populated if field 3-53
+(Project Conversion Indicator = 'Y') is
+indicated.
+
+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.
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+Form FNM 2055 FRE 2055
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 206 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
+
+436
+
+3
+
+57
+
+PROJECT
+INFORMATION
+
+PUD
+Does the project contain any
+multi-dwelling units?
+No
+
+Project Contains
+Multiple Dwelling
+Units Indicator
+
+Indicates that the project contains
+multiple dwelling-units.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT[@_ContainsMultiple
+DwellingUnitsIndicator=‘N’]
+
+1
+
+Boolean
+
+437
+
+3
+
+58
+
+PROJECT
+INFORMATION
+
+PUD
+Multi-Dwelling Unit
+Data source(s)
+
+Project Contains
+Multiple Dwelling
+Units Data Source
+Description
+
+A free-form text field used to describe the
+source of the information used to set the
+Project Contains Multiple Dwelling Units
+Indicator.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/@_ContainsMultiple
+DwellingUnitsDataSourceDescription
+
+100
+
+String
+
+438
+
+3
+
+59
+
+PROJECT
+INFORMATION
+
+PUD
+Are the units, common elements,
+and recreation facilities
+complete?
+Yes
+
+Project Common
+Elements Completed
+Indicator
diff --git a/chunks/txt/a51a3f11001d234f1fcdc4a55a05036a211c7a6c61bdc75f673179215de441b4.txt b/chunks/txt/a51a3f11001d234f1fcdc4a55a05036a211c7a6c61bdc75f673179215de441b4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..783d52385c3e418073fdee909d2f5d9665fdd5f3
--- /dev/null
+++ b/chunks/txt/a51a3f11001d234f1fcdc4a55a05036a211c7a6c61bdc75f673179215de441b4.txt
@@ -0,0 +1,91 @@
+Vehicle storage can be:
+• A driveway or shared driveway
+• An attached or detached carport
+• Part of a dwelling, such as a built-in or attached garage
+• A detached garage. Reference Appendix 4: Detached Garage Examples for additional information and
+
+examples.
+
+• A shared parking garage, common carport, or open lot in a condominium, cooperative, condop, or PUD (with
+
+or without assigned spaces)
+
+Vehicle Storage for the Property
+
+The appraiser must report on each vehicle storage for the property.
+
+Vehicle Storage
+
+Report
+Field ID
+
+13.000
+13.001
+
+Report Label
+
+When to Include
+
+Storage
+
+Always required for
+each vehicle storage
+
+Allowable
+Answers / Format
+
+Choose one or
+more allowable
+answers from
+table (Vehicle
+Storage Type)
+
+Definition / Additional Guidance
+
+Vehicle Storage Type
+•
+•
+•
+•
+•
+•
+•
+•
+•
+
+None 13.000
+Carport
+Common Carport
+Driveway
+Garage
+Open Lot
+Parking Garage
+Shared Driveway
+Other (Describe)
+
+Notes:
+•
+
+•
+
+Photos or images for each Vehicle Storage Type may be provided, which
+display in Vehicle Storage Exhibits with the Vehicle Storage Type(s). An
+additional caption may be provided to further identify the photo.
+Additional photos such as the interior of the garage would display in
+Vehicle Storage Exhibits with the Vehicle Storage Type.
+
+Allowable Answer
+
+Definition / Additional Guidance
+
+Vehicle Storage Type
+
+None
+
+Carport
+
+Select this answer if the property does not have any available vehicle storage.
+Note: If this answer is selected, “None” displays (13.000), and the Vehicle Storage table (13.001-13.003) does not display.
+
+A covered structure that offers limited vehicular protection with two or fewer walls. It may be free standing or attached to
+a structure and is available for use only by the subject property (e.g., single-family or 2- to 4-unit property).
diff --git a/chunks/txt/a51c056179f80097bd9452cc2a8ca9708cd6bf57ffa5eb2be79a3620f9e8f1ef.txt b/chunks/txt/a51c056179f80097bd9452cc2a8ca9708cd6bf57ffa5eb2be79a3620f9e8f1ef.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dae29eb3e1d771d5edce8ca09db813f82f7ccea0
--- /dev/null
+++ b/chunks/txt/a51c056179f80097bd9452cc2a8ca9708cd6bf57ffa5eb2be79a3620f9e8f1ef.txt
@@ -0,0 +1,84 @@
+UnitInteriorDefectsExistIndicator (UID: 3900.0107, FID: 10.055)
+
+• When false, display “None”.
+• When true, display static text in italics (FID: 10.055), “The items listed below represent the As Is condition as of the effective date of
+this report” and the table displays with the following required data for each apparent defect, damage, deficiency. (Figure 10 - 13)
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 194
+
+Report
+Field ID
+
+Report Label
+
+10.056
+
+Feature
+
+10.057
+
+Location
+
+10.058
+
+Description
+
+Unit Interior – Apparent Defects, Damages, Deficiencies
+
+Unique ID
+
+MISMO Data Point/Attribute Name
+
+Display Rules
+
+3900.0130
+
+DefectComponentLabelType
+
+3900.0135
+
+DefectItemLocationType
+
+3900.0133
+
+DefectItemDescription
+
+Display when UnitInteriorDefectsExistIndicator = “true”
+
+10.059
+
+Affects Soundness or Structural
+Integrity
+
+3900.0132
+
+DefectItemAffectsSoundnessStructuralIntegrityIndic
+ator
+
+10.060
+
+Recommended Action
+
+3900.0136
+
+DefectItemRecommendedActionType
+
+Figure 10 - 13
+
+An arcrole is required for each apparent defect, damage, or deficiency identified in the interior of the unit from DEFECT_n to
+PROPERTY_UNIT_n. (See Arcrole Relationships - Unit Interior)
+
+Unit Interior Commentary
+
+The Unit Interior Commentary subsection displays only when comments are provided. Any commentary must use
+UnitValuationCommentText (UID: 0700.0115, FID: 10.061)
+
+Unit Interior Exhibits
+
+The Unit Interior Exhibits subsection displays when images are provided. All text must display above the image in bold font.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Level and Room Detail/Kitchen and Bathroom Details
diff --git a/chunks/txt/a52e3db4481db36270691aa0ea5969d7e4884d962d895b5878c6356ada26b3e2.txt b/chunks/txt/a52e3db4481db36270691aa0ea5969d7e4884d962d895b5878c6356ada26b3e2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cd7d64a1a39f205e50d25ee6953863fc12dc78de
--- /dev/null
+++ b/chunks/txt/a52e3db4481db36270691aa0ea5969d7e4884d962d895b5878c6356ada26b3e2.txt
@@ -0,0 +1,57 @@
+</ESCROW_ITEM_DETAIL>
+ <ESCROW_ITEM_PAYMENTS>
+ <ESCROW_ITEM_PAYMENT>
+
+<EscrowItemActualPaymentAmount>201.66</EscrowItemActualPaymentAmount>
+<EscrowItemPaymentPaidByType>Buyer</EscrowItemPaymentPaidByType>
+
+</ESCROW_ITEM_PAYMENT>
+ </ESCROW_ITEM_PAYMENTS>
+
+</ESCROW_ITEM>
+ <ESCROW_ITEM>
+
+<ESCROW_ITEM_DETAIL>
+
+<EscrowCollectedNumberOfMonthsCount>2</EscrowCollectedNumberOfMonthsCount>
+ <EscrowItemType>CountyPropertyTax</EscrowItemType>
+ <EscrowMonthlyPaymentAmount>105.30</EscrowMonthlyPaymentAmount>
+ <FeePaidToType>ThirdPartyProvider</FeePaidToType>
+ <IntegratedDisclosureSectionType>InitialEscrowPaymentAtClosing</IntegratedDisclosureSectionType>
+
+</ESCROW_ITEM_DETAIL>
+ <ESCROW_ITEM_PAYMENTS>
+ <ESCROW_ITEM_PAYMENT>
+
+<EscrowItemActualPaymentAmount>210.60</EscrowItemActualPaymentAmount>
+
+<EscrowItemPaymentPaidByType>Seller</EscrowItemPaymentPaidByType>
+
+</ESCROW_ITEM_PAYMENT>
+ </ESCROW_ITEM_PAYMENTS>
+ </ESCROW_ITEM>
+ <ESCROW_ITEM>
+
+<ESCROW_ITEM_DETAIL>
+
+<EscrowCollectedNumberOfMonthsCount>4</EscrowCollectedNumberOfMonthsCount>
+ <EscrowItemType>CondominiumAssociationDues</EscrowItemType>
+ <EscrowMonthlyPaymentAmount>50.00</EscrowMonthlyPaymentAmount>
+ <FeePaidToType>ThirdPartyProvider</FeePaidToType>
+ <IntegratedDisclosureSectionType>InitialEscrowPaymentAtClosing</IntegratedDisclosureSectionType>
+ <RegulationZPointsAndFeesIndicator>false</RegulationZPointsAndFeesIndicator>
+
+</ESCROW_ITEM_DETAIL>
+ <ESCROW_ITEM_PAYMENTS>
+
+UCD v2.0 Implementation Guide
+
+- 88 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Figure 65. XML Snippet-Escrow Items Paid at Closing.
diff --git a/chunks/txt/a5306016eec9ef68912e31009befde273ab4bd6274ba3ba2f6733ed64e174fe7.txt b/chunks/txt/a5306016eec9ef68912e31009befde273ab4bd6274ba3ba2f6733ed64e174fe7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a739e101f670135c1f2cc1e77cf18b3fd3e7165b
--- /dev/null
+++ b/chunks/txt/a5306016eec9ef68912e31009befde273ab4bd6274ba3ba2f6733ed64e174fe7.txt
@@ -0,0 +1,3 @@
+Page 6 of 6
+
+Fannie Mae Form 1073 March 2005
diff --git a/chunks/txt/a536d545d8e652c5c2ae65b1480c4fb95529f32f9dff9cdb3d4f1e7722b0e7df.txt b/chunks/txt/a536d545d8e652c5c2ae65b1480c4fb95529f32f9dff9cdb3d4f1e7722b0e7df.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e8b4e8d8fb0bda7fbf7326382d8972bb7126f387
--- /dev/null
+++ b/chunks/txt/a536d545d8e652c5c2ae65b1480c4fb95529f32f9dff9cdb3d4f1e7722b0e7df.txt
@@ -0,0 +1,86 @@
+Market Exhibits
+
+Absorption Rate
+
+This is where the Absorption Rate graph would display.
+
+Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 14 of 22
+Page 14 of 22
+
+Market (continued)
+
+Median Days on Market
+
+Price Trend
+
+This is where the Median Days on Market graph would display.
+
+This is where the Price Trend graph would display.
+
+Subject Listing Information
+
+Current and/or relevant listings of the subject property (minimum 1 year look back)
+
+Listing Status
+Pending
+
+Listing Type
+MLS
+
+Listing ID
+XYZ 0387300
+
+Start Date
+06/20/2019
+
+End Date
+09/08/2019
+
+DOM
+79
+
+Total DOM 79
+
+Starting
+List Price
+$825,000
+
+Current or
+Final List Price
+$799,900
+
+Analysis of Subject Property Listing History Subject was listed on June 20th, 2019, with list price of $825,000 and was listed for 40 days. On
+July 31st, 2019, the price was reduced 3% to $799,900 and went under contract on 08/20/2019 for $765,000, which is approximately 7% below
+the original list price and within 5% of the final list price.
+
+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
+
+$765,000
+08/20/2019
+Typically Motivated
+No
+
+Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 15 of 22
+Page 15 of 22
diff --git a/chunks/txt/a538e2c4bfe48173f4b44aa43683c9c550a24a054634acfb40f06e919024f910.txt b/chunks/txt/a538e2c4bfe48173f4b44aa43683c9c550a24a054634acfb40f06e919024f910.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3d06dfcbf4b911964072bfffd49bc72752b05806
--- /dev/null
+++ b/chunks/txt/a538e2c4bfe48173f4b44aa43683c9c550a24a054634acfb40f06e919024f910.txt
@@ -0,0 +1,103 @@
+Energy Efficient and
+Green Features
+•
+
+Efficiency Rating
+Score 6.013
+
+No
+
+When included, provides support for the Energy Efficient and Green
+Features adjustment (22.06.04).
+
+No
+
+Known Efficiency Ratings
+Indicates whether the property has obtained an efficiency rating that is
+known to the appraiser.
+
+When included, provides support for the Energy Efficient and Green
+Features adjustment (22.06.04).
+
+No
+
+When included, provides support for the Energy Efficient and Green
+Features adjustment (22.06.04).
+
+No
+
+When included, provides support for the Energy Efficient and Green
+Features adjustment (22.06.04).
+
+Appendix F-1: URAR Reference Guide
+
+Page 245 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+22 Sales Comparison Approach
+
+Unit(s)
+
+The Unit(s) subsection always displays on the sales comparison grid. For properties with more than one unit, or for properties with ADU(s), the
+subsection repeats for each unit and for each ADU.
+
+Report
+Field ID
+
+Not on
+Report
+
+Report Label
+
+This is an
+appraiser
+input that
+does not
+display in the
+sales grid
+
+When Row
+Displays
+
+When to Include for
+each Comparable
+
+Allowable
+Answers / Format
+
+Origin of Subject
+Property Information
+
+Adjustable
+Row
+
+Definition / Additional Guidance
+
+Sales Comparison Approach: Unit(s)
+
+N/A
+
+Always required
+
+Number
+
+Subject Property
+•
+
+Units Excluding
+ADUs 3.005
+
+No
+
+Units Excluding ADUs
+Number of separate living units on the property, not counting any ADUs.
+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.
diff --git a/chunks/txt/a53d8195def16526f2e349397b42c131814afcb4fc1b28e94c7cdf4116ce95b8.txt b/chunks/txt/a53d8195def16526f2e349397b42c131814afcb4fc1b28e94c7cdf4116ce95b8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6b2ec3f8c4f449a47fd02121b82e8e21ee94815d
--- /dev/null
+++ b/chunks/txt/a53d8195def16526f2e349397b42c131814afcb4fc1b28e94c7cdf4116ce95b8.txt
@@ -0,0 +1,34 @@
+UAD 3.6 Policy
+
+•
+
+•
+
+a small addition to the primary dwelling, or
+
+a manufactured home (legally classified as real property).
+
+Whether a property is defined as a one-unit property with an ADU or a two- to four-unit property will be based on the
+characteristics of the property, which may include, but are not limited to, the existence of separate utility meter(s), a unique
+postal address, and whether the unit(s) can be legally rented. A one-unit property with multiple ADUs remains classified as a one-
+unit property, provided all ADU requirements are met. The appraiser must determine compliance with this definition as part of
+the analysis in the Highest and Best Use section of the appraisal report. See SB4-1.3-05, Dwelling Exterior, Unit Interior, and
+Outbuilding Sections of the Appraisal Report for additional ADU appraisal requirements.
+
+Zoning for an ADU
+
+Some ADUs may predate the adoption of the local zoning ordinance and therefore be classified as legal nonconforming. An ADU
+should always be considered legal if it is allowed under the current zoning code for the subject property.
+
+If it is determined that the property contains an ADU(s) that is not allowed under zoning (where an ADU(s) is/are not allowed under any
+circumstance), the property is eligible under the following additional conditions:
+
+•
+
+•
+
+The lender confirms the existence will not jeopardize any future property insurance claim that might need to be filed for
+the property.
+
+The appraisal requirements related to zoning for an ADU are met. See SB4-1.3-05, Dwelling Exterior, Unit Interior, and
+Outbuilding Sections of the Appraisal Report.
diff --git a/chunks/txt/a54d730167dfc06283ef6b841c118ca53699bac32514376945a60bb85fb38837.txt b/chunks/txt/a54d730167dfc06283ef6b841c118ca53699bac32514376945a60bb85fb38837.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bfa7f5db74fe382f64d3ee1b3ec2d55e2d8735e1
--- /dev/null
+++ b/chunks/txt/a54d730167dfc06283ef6b841c118ca53699bac32514376945a60bb85fb38837.txt
@@ -0,0 +1,32 @@
+Find government programs that may help pay for food, housing, health care, and more.](/benefits)
+ - [## Health
+
+Get information about health insurance. Find help for mental health and other medical conditions, testing, and paying medical bills.](/health)
+ - [## Housing help
+
+Learn about rental and buyer assistance programs. Find emergency housing and avoid eviction.](/housing-help)
+ - [## Immigration and U.S. citizenship
+
+Learn about U.S. residency, Green Cards, citizenship requirements, and related issues.](/immigration-and-citizenship)
+ - [## Jobs, labor laws, and unemployment
+
+Get resources for finding a job. Learn about unemployment insurance and important labor laws.](/jobs-labor-laws-unemployment)
+ - [## Laws and legal issues
+
+Learn how to replace vital records, get child support enforcement, find legal help, and more.](/laws-and-legal-issues)
+ - [## Military and veterans
+
+Learn how to join the military. Find benefits and services as a member or veteran, including how to apply for housing, financial, health, and other support.](/military-and-veterans)
+ - [## Money and credit
+
+Find government grants, loans, and unclaimed money. Learn about taxes. Get credit reports and scores.](/money)
+ - [## Scams and fraud
+
+Learn about identity theft, Social Security scams, and how to report scams and fraud.](/scams-and-fraud)
+ - [## Small business
+
+Learn how to start, fund, and manage your own business. Understand how to get import and export licenses.](/small-business)
+ - [## Taxes
+
+Learn about filing federal income tax. Find out how to pay, how to check your refund, and more.](/taxes)
+ - [## Travel
diff --git a/chunks/txt/a55b661f008ddb9844c1f93565cd9f7eeb8563b68220db96acb91fc14795f424.txt b/chunks/txt/a55b661f008ddb9844c1f93565cd9f7eeb8563b68220db96acb91fc14795f424.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7547529b0277bd9cde47733cff8ba7c070b0a7af
--- /dev/null
+++ b/chunks/txt/a55b661f008ddb9844c1f93565cd9f7eeb8563b68220db96acb91fc14795f424.txt
@@ -0,0 +1,234 @@
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+R
+
+CR
+
+CR
+
+CR
+
+T
+
+CR
+
+R
+
+R
+
+Form FNM 1075 FRE 466
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 167 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
+
+508
+
+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
+
+509
+
+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
+
+510
+
+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
+
+511
+
+512
+
+513
+
+514
+
+515
+
+516
+
+517
+
+518
+
+519
+
+520
+
+521
+
+522
+
+523
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+21
+
+22
+
+23
+
+24
+
+26
+
+27
+
+28
+
+29
+
+30a
+
+30b
+
+30c
+
+31
+
+32
+
+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/@PropertyAppraisedValueAmount
+
+APPRAISER
+CERTIFICATION
+
+LENDER/CLIENT
+Name
+
+GSE Management
+Company Name
+
+The appraisal management company
+associated with the appraisal report.
+
+/VALUATION_RESPONSE/PARTIES/MANAGEMENT_COMPANY_EXTEN
+SION/MANAGEMENT_COMPANY_EXTENSION_SECTION[@ExtensionSec
+tionOrganizationName='UNIFORM APPRAISAL
+DATASET']/MANAGEMENT_COMPANY_EXTENSION_SECTION_DATA/
+MANAGEMENT_COMPANY/@GSEManagementCompanyName
diff --git a/chunks/txt/a55f36a840111acf606ff58d92cc16d5f6b74e1c2d35f3623669df511f23f71a.txt b/chunks/txt/a55f36a840111acf606ff58d92cc16d5f6b74e1c2d35f3623669df511f23f71a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ed292e321fa64c2ba2a724f1af41384acf055927
--- /dev/null
+++ b/chunks/txt/a55f36a840111acf606ff58d92cc16d5f6b74e1c2d35f3623669df511f23f71a.txt
@@ -0,0 +1,96 @@
+Project Design Type
+
+This field specifies the type of design
+for the multiple unit buildings in a
+project.
+
+/VALUATION_RESPONSE/PROPERTY/PRO
+JECT[@_DesignType='Attached']
+
+This data is referenced more than once on the form (field 2-127), and must be
+represented consistently.
+
+12
+
+Money
+
+PDF Display Format:
+Whole numbers only
+
+4000
+
+String
+
+Note: All text entered in this field, including overflow into the addendum, must
+be captured and included in the XML data point.
+
+1
+
+1
+
+8
+
+8
+
+8
+
+Boolean UAD Requirement - Refer to Appendix D Subject Section
+
+Boolean UAD Requirement - Refer to Appendix D Subject Section
+
+Enumerated This XPath should be used only if 'Detached' is indicated.
+
+Enumerated This XPath should be used only if 'Attached' is indicated.
+
+Enumerated
+
+If both Attached and Detached are indicated (i.e. the project contains both
+attached and detached buildings), this should be represented in the data by
+assigning Project Design Type a value of 'Other' and assigning Project Design
+Type Other Description a value of 'AttachedAndDetached'.
+
+44 and 45
+
+PROJECT
+INFORMATION
+
+PUD
+Project Unit Type(s)
+Attached and Detached
+
+Project Design Type
+
+This field specifies the type of design
+for the multiple unit buildings in a
+project.
+
+/VALUATION_RESPONSE/PROPERTY/PRO
+JECT[@_DesignType='Other' and
+@_DesignTypeOtherDescription='AttachedAnd
+Detached']
+
+46
+
+47
+
+48
+
+49
+
+PROJECT
+INFORMATION
+
+PUD
+Legal name of project
+
+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/PRO
+JECT/@_Name
+
+100
diff --git a/chunks/txt/a55ff53246226961280bd972e98185f78b2848ca7eaa5843eda90b10301397f1.txt b/chunks/txt/a55ff53246226961280bd972e98185f78b2848ca7eaa5843eda90b10301397f1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9ffae7f1bcec1d18e12177c0fdffc3674445df79
--- /dev/null
+++ b/chunks/txt/a55ff53246226961280bd972e98185f78b2848ca7eaa5843eda90b10301397f1.txt
@@ -0,0 +1,12 @@
+enterprise: 2 | record_num_sf_nfb: 20000001 | metro: 1 | tract_minority_cat: 2 | tract_income_cat: 3 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 3 | race_ethnicity_borr: 2 | race_ethnicity_coborr: 2 | sex_borr: 1 | sex_coborr: 2 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4
+enterprise: 2 | record_num_sf_nfb: 20000002 | metro: 1 | tract_minority_cat: 3 | tract_income_cat: 2 | income_cat: 2 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 9 | sex_borr: 2 | sex_coborr: 5 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4
+enterprise: 2 | record_num_sf_nfb: 20000003 | metro: 1 | tract_minority_cat: 2 | tract_income_cat: 2 | income_cat: 3 | same_year_acq: 2 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 9 | sex_borr: 1 | sex_coborr: 5 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4
+enterprise: 2 | record_num_sf_nfb: 20000004 | metro: 1 | tract_minority_cat: 2 | tract_income_cat: 2 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 3 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 9 | sex_borr: 1 | sex_coborr: 5 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4
+enterprise: 2 | record_num_sf_nfb: 20000005 | metro: 0 | tract_minority_cat: 3 | tract_income_cat: 3 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 2 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 9 | sex_borr: 2 | sex_coborr: 5 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4
+enterprise: 2 | record_num_sf_nfb: 20000006 | metro: 1 | tract_minority_cat: 2 | tract_income_cat: 3 | income_cat: 2 | same_year_acq: 1 | purpose_sf_nfb: 2 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 9 | sex_borr: 2 | sex_coborr: 5 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4
+enterprise: 2 | record_num_sf_nfb: 20000007 | metro: 1 | tract_minority_cat: 3 | tract_income_cat: 2 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 2 | race_ethnicity_coborr: 9 | sex_borr: 1 | sex_coborr: 5 | occupancy_sf_nfb: 3 | units_num: 1 | unit_own_occ: 2 | afford_sf: 4
+enterprise: 2 | record_num_sf_nfb: 20000008 | metro: 1 | tract_minority_cat: 3 | tract_income_cat: 1 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 3 | race_ethnicity_coborr: 9 | sex_borr: 1 | sex_coborr: 5 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4
+enterprise: 2 | record_num_sf_nfb: 20000009 | metro: 1 | tract_minority_cat: 2 | tract_income_cat: 2 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 2 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 5 | sex_borr: 2 | sex_coborr: 1 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4
+enterprise: 2 | record_num_sf_nfb: 20000010 | metro: 0 | tract_minority_cat: 2 | tract_income_cat: 2 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 3 | race_ethnicity_borr: 5 | race_ethnicity_coborr: 5 | sex_borr: 1 | sex_coborr: 2 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4
+enterprise: 2 | record_num_sf_nfb: 20000011 | metro: 1 | tract_minority_cat: 3 | tract_income_cat: 1 | income_cat: 3 | same_year_acq: 1 | purpose_sf_nfb: 1 | fed_guarantee_sf_nfb: 4 | seller_type_sf_nfb: 1 | race_ethnicity_borr: 9 | race_ethnicity_coborr: 9 | sex_borr: 3 | sex_coborr: 3 | occupancy_sf_nfb: 1 | units_num: 1 | unit_own_occ: 1 | afford_sf: 4
+enterprise: 2 | record_num_sf_nfb: 20000012 | metro: 1 | tract
diff --git a/chunks/txt/a560380d7d78c57f424ee46c190bd67775b4688407957b9c14920f4b984c7b45.txt b/chunks/txt/a560380d7d78c57f424ee46c190bd67775b4688407957b9c14920f4b984c7b45.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5fc4c69c4f6fda03954edd747af5965bc49d6349
--- /dev/null
+++ b/chunks/txt/a560380d7d78c57f424ee46c190bd67775b4688407957b9c14920f4b984c7b45.txt
@@ -0,0 +1,54 @@
+h. Single-Family Data Field 16: Area
+Median Family Income
+
+This data field designates the AMI for
+the location of the property securing the
+Enterprise mortgage for the reporting
+year (i.e., year of mortgage acquisition
+by the Enterprise), which is: The MSA
+for properties located in an MSA; or the
+county or State non-metropolitan area
+for properties located outside an MSA,
+whichever is greater. FHFA has
+eliminated the incorrect reference in the
+data field to ‘‘withheld as proprietary,’’
+as this data field has always been non-
+proprietary in the single-family
+database.
+
+i. Single-Family Data Field 17: Borrower
+Income Ratio
+
+This data field identifies the ratio of
+
+the borrower’s annual income to the
+AMI (data field 16). FHFA has
+eliminated the incorrect reference in the
+data field to ‘‘withheld as proprietary,’’
+as this data field has always been non-
+proprietary (i.e., only coded 9999 when
+borrower income or AMI is unknown) in
+the single-family database.
+
+j. Single-Family Data Field 25 and
+Multifamily Data Field 24: ‘‘Special
+Affordable, Seasoned Loan: Are
+Proceeds Recycled?’’
+
+This data field identifies the specific
+
+reasons in accordance with 12 CFR
+1282.14(e) for an Enterprise claiming
+Special Affordable Housing Goal credit
+for the Enterprise’s purchase of loans
+that originated more than one year prior
+to the date of acquisition. FHFA has
+expanded the reporting codes for this
+data field to include additional reasons
+set forth under 12 CFR 1282.14(e), as the
+Enterprises have reported their mortgage
+data using these expanded codes since
+2001.
+
+k. Single-Family Data Field 27: Federal
+Guarantee
diff --git a/chunks/txt/a56c4f799697ce564a66b8e2db3d4081a71e72a05d49cf5f3bc137f1ab33236b.txt b/chunks/txt/a56c4f799697ce564a66b8e2db3d4081a71e72a05d49cf5f3bc137f1ab33236b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..74a6c6a0df2f1b51efa298651189315683eb44df
--- /dev/null
+++ b/chunks/txt/a56c4f799697ce564a66b8e2db3d4081a71e72a05d49cf5f3bc137f1ab33236b.txt
@@ -0,0 +1,35 @@
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 32 of 166
+
+UAD 3.6 Policy
+
+SB2-3-05, Properties Affected by a Disaster (09/03/2025)
+
+Introduction
+
+This topic contains information on properties affected by a disaster, including:
+
+• Overview
+• Property Eligibility Requirements
+•
+• Age of Documentation Requirements
+
+Value Acceptance Offers Following a Disaster
+
+Overview
+
+The Mortgage Selling and Servicing Contract requires the lender to warrant for each loan sold to Fannie Mae that the property is
+not damaged by fire, wind, or other cause of loss and that there are no proceedings pending for the partial or total condemnation
+of the property. The lender also warrants that the loan conforms to all applicable requirements in the Selling Guide, including the
+requirement that the loan is an acceptable investment. Finally, the lender represents and warrants that it knows of nothing
+involving the loan or the property that can reasonably be expected to cause the loan to become delinquent or adversely affect the
+mortgage's value or marketability.
+
+Property Eligibility Requirements
+
+The lender must be able to make the warranties that are described above. Therefore, before delivery of a loan to Fannie Mae
+where the property may have been damaged by a disaster, the lender is expected to take prudent and reasonable actions to
+determine whether the condition of the property may have materially changed. The lender is responsible for determining if an
+inspection of the property and/or new appraisal is necessary to support this warranty. If a property is located in a condo or co-op
+project, both the condition of the unit and the condition of the building in which the unit is located must be assessed.
diff --git a/chunks/txt/a571176973c6137119b951e281ceedc7627eaa0083c7d4a742ef64283d0351c6.txt b/chunks/txt/a571176973c6137119b951e281ceedc7627eaa0083c7d4a742ef64283d0351c6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..300402bd5dc1c2e79ada104ef2d2485e53ccdd34
--- /dev/null
+++ b/chunks/txt/a571176973c6137119b951e281ceedc7627eaa0083c7d4a742ef64283d0351c6.txt
@@ -0,0 +1,53 @@
+the current appraised value of the land if the land was purchased more than 12 months preceding the loan
+application date.
+
+•
+
+the “as completed” appraised value of the manufactured home and land.
+
+Existing Manufactured Homes
+
+An existing manufactured home is one that already exists on its foundation.
+
+Manufactured Home Subdivision Development
+
+In cases where a manufactured home is being sold to a consumer by a builder, developer, or manufacturer acting as a
+developer as part of a new or existing manufactured home subdivision, the LTV ratio (and CLTV/HCLTV ratio, if applicable) for
+a loan secured by an existing manufactured home will be based on the lower of:
+
+•
+
+the sales price of the manufactured home and land; or
+
+•
+
+the current appraised value of the manufactured home and land.
+
+All Other Transactions
+
+The LTV ratio (and CLTV/HCLTV ratio, if applicable) for a loan secured by an existing manufactured home will be based on the
+lowest of:
+
+•
+
+the sales price of the manufactured home and land;
+
+•
+
+the current appraised value of the manufactured home and land; or
+
+•
+
+if the manufactured home was built in the 12 months preceding the loan application date, the lowest price at which
+the home was previously sold during that 12-month period, plus the lower of:
+
+o
+
+the current appraised value of the land, or
+
+o
+
+the lowest price at which the land was sold during that 12-month period (if there was such a sale).
+
+Note: The above purchase requirements do not apply to single-closing construction-to-permanent transactions. See B5-3.1-
+02, Conversion of Construction-to-Permanent Financing: Single-Closing Transactions for additional information.
diff --git a/chunks/txt/a57a0254a4c1a537074e9f274bdf181bd4399e57b4e53982c5d01d5ab34f43ec.txt b/chunks/txt/a57a0254a4c1a537074e9f274bdf181bd4399e57b4e53982c5d01d5ab34f43ec.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ddb61579e82ac4ae9ca7ebda5be516d632d25a34
--- /dev/null
+++ b/chunks/txt/a57a0254a4c1a537074e9f274bdf181bd4399e57b4e53982c5d01d5ab34f43ec.txt
@@ -0,0 +1,69 @@
+A view that is obstructed during certain times of the year.
+
+Other (Describe)
+
+Select Other to enter an answer that is not in the above list.
+
+Site Features and Impact to Value / Marketability
+
+The Site Features table provides information about relevant site factors that may impact the value and
+marketability of the property.
+• Non-Residential Property Use
+• Hazard Zone
+• Property Restrictions
+• Easements
+• Encroachments
+• Site Characteristics
+
+The appearance of the Site Features table varies based on the details of the property being appraised. This
+sample shows all possible rows that may display.
+
+Appendix F-1: URAR Reference Guide
+
+Page 70 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+04 Site
+
+Non-Residential Property Use
+
+The appraiser must carefully analyze and report on any significant non-residential uses of the subject property in
+this section when Site Owned in Common (3.015) is No. This row only displays in the Site Features table when
+Site Owned in Common is No and Non-Residential Uses on Property (4.017) is Yes.
+• When Site Owned in Common is Yes, the details of non-residential use for a specific unit, including whether
+
+the property qualifies as live / work space, are reported in the Unit Interior section (10.026-10.028).
+
+• Commercial space in project buildings is reported in the Project Information section (18.069).
+
+Report
+Field ID
+
+4.043
+4.044
+
+Report Label
+
+When to Include
+
+Non-Residential
+Property Use
+(Detail)
+
+Required if Non-
+Residential Use is Yes
+
+Site: Site Features - Non-Residential Property Use
+
+Allowable
+Answers / Format
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
diff --git a/chunks/txt/a57bebedd739cd4885c2d060ca539fa94b9699994940b33daad757ea910f64f4.txt b/chunks/txt/a57bebedd739cd4885c2d060ca539fa94b9699994940b33daad757ea910f64f4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dfea461cdaab50bbd9b8fcae6518485be34c6a59
--- /dev/null
+++ b/chunks/txt/a57bebedd739cd4885c2d060ca539fa94b9699994940b33daad757ea910f64f4.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/reports/stress-tests-report"
+date_accessed: "2026-01-27T17:54:20.742Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/a5858a78f4380cac96ec3c426ec7f87163a1eff34d5db55b1de8f356480cddb6.txt b/chunks/txt/a5858a78f4380cac96ec3c426ec7f87163a1eff34d5db55b1de8f356480cddb6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..777738cd4a1024f59eb86b60edf852bddfed4ab6
--- /dev/null
+++ b/chunks/txt/a5858a78f4380cac96ec3c426ec7f87163a1eff34d5db55b1de8f356480cddb6.txt
@@ -0,0 +1,48 @@
+UCD XPath: This data point will be added to UCD as an EXTENSION of
+ QUALIFIED_MORTGAGE_DETAIL:
+
+…/LOAN
+
+QUALIFIED_MORTGAGE
+
+QUALIFIED_MORTGAGE_DETAIL
+
+EXTENSION
+OTHER
+gse:QualifiedMortgageShortResetARM_APRPercent
+
+© 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.
+
+Current Requirement (Freddie Mac Single-Family Seller/Servicer Guide): Greater of the note rate
+plus 2% or the fully indexed rate.
+
+New Requirement (Freddie Mac Single-Family Seller/Servicer Guide): For all ARMs, lenders must
+use the loan amount over the loan term to calculate periodic payments of principal and interest. The
+Revised QM Rule’s APR-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.
+
+• 3/6 ARMs: note rate plus lifetime cap
+
+• 5/6 ARMs: note rate plus first rate change cap
+
+Each GSE’s UCD collection system can accept this data point at any time.
+
+Mandate: This data point will be required for all ARMs meeting the definition on and after May 1, 2023.
+
+Enumeration Changes
+
+MI Company Name Change
+Overview
+On February 7, 2022, Genworth Mortgage Insurance Corporation officially began doing business as
+Enact Mortgage Insurance Corporation. The UCD captures MI names in Unique ID (UID)
+3.017MICompanyNameType and 3.029 MICompanyNameTypeOtherDescription. Currently, the
+enumeration for “Genworth” is captured in 3.017 MICompanyNameType.
diff --git a/chunks/txt/a58d80437141223d21af351bf8840f4e26b43ddd6167401626de72cad1c39f4d.txt b/chunks/txt/a58d80437141223d21af351bf8840f4e26b43ddd6167401626de72cad1c39f4d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7a3571b5fe5b446a1c804f9ee753b55fd729a3dd
--- /dev/null
+++ b/chunks/txt/a58d80437141223d21af351bf8840f4e26b43ddd6167401626de72cad1c39f4d.txt
@@ -0,0 +1,60 @@
+Choose an
+allowable answer
+from table
+(Flooring
+Condition Status)
+
+The condition status of the Flooring Type.
+Notes:
+•
+
+If there are varying condition statuses for the flooring type, choose the
+one that best explains the Interior Condition Rating.
+Condition Status reflects the required repairs, inspections, or completions
+as if they were completed. The current condition is noted in the Apparent
+Defects, Damages, and Deficiencies (Unit Interior) subsection.
+Individual damages must be reported in the Apparent Defects, Damages,
+and Deficiencies (Unit Interior) subsection.
+
+•
+
+•
+
+10.048 Condition
+Comment
+
+Free-form
+
+If needed to describe
+the current condition
+of each Flooring Type
+in the unit
+
+A brief description of the current condition of the flooring type as of the
+effective date. For further expansion of commentary, use Unit Interior
+Commentary (10.061).
+
+When the item will cause the Market Value Condition of the appraisal (26.009)
+to be subject to repair, the appraiser must also reference the Apparent
+Defects, Damages, Deficiencies table.
+
+Allowable Answer
+
+New or Like New
+
+Flooring Condition Status (Choose one for each Flooring Type)
+
+Definition / Additional Guidance
+
+The flooring 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 flooring is fully functional and exhibits minimal wear and tear, with visible signs of use.
+
+Damaged and Functional
+
+The flooring is damaged and exhibits moderate wear and tear but can still function as intended or designed.
+
+Damaged and Nonfunctional The flooring 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/a59635b4624c623a11dc61d375708f992e15378220aea6528d277661fd9f54a5.txt b/chunks/txt/a59635b4624c623a11dc61d375708f992e15378220aea6528d277661fd9f54a5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9ce63cad8805df7e9dd11bcf074b7a42bf15b3de
--- /dev/null
+++ b/chunks/txt/a59635b4624c623a11dc61d375708f992e15378220aea6528d277661fd9f54a5.txt
@@ -0,0 +1,82 @@
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/AMENITY[@_Type='Fence']/@_Exi
+stsIndicator
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/AMENITY[@_Type='Fence']/@_Det
+ailedDescription
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/AMENITY[@_Type='Porch']/@_Exis
+tsIndicator
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/AMENITY[@_Type='Porch']/@_Det
+ailedDescription
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/AMENITY[@_Type='Other']/@_Exis
+tsIndicator
+
+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
+
+Numeric
+
+PDF Display Format:
+Whole numbers only.
+
+If none, then zero (0) should be entered.
+
+Boolean
+
+A value of 'Y' indicates a patio/deck 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'.
+
+Boolean
+
+A value of 'Y' indicates a pool exists, a value of 'N' indicates the box is not
+checked.
+
+This field should be populated if the value
+indicated in field 1-184 (Amenity Detailed
+Description) is not equal to 'None'
+
+This field should be populated if the value
+indicated in field 1-186 (Amenity Detailed
+Description) is not equal to 'None'
+
+12
+
+String
+
+UAD Instruction - Refer to Appendix D Improvements Section
+This field should contain a description of the pool. If there is no pool, indicate
+'None'
+
+1
+
+2
+
+1
+
+10
+
+1
+
+10
+
+1
+
+Boolean
+
+A value of 'Y' indicates woodstove(s) exist, a value of 'N' indicates the box is
+not checked.
+
+UAD Instruction - Refer to Appendix D Improvements Section
diff --git a/chunks/txt/a5b0709d901d097127085932ac512541bafce46267436617a0c778cbf195e813.txt b/chunks/txt/a5b0709d901d097127085932ac512541bafce46267436617a0c778cbf195e813.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cd7d6f5cd892568479ddd3962ecb8908782b6ab9
--- /dev/null
+++ b/chunks/txt/a5b0709d901d097127085932ac512541bafce46267436617a0c778cbf195e813.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\/1096","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/a5cc870b13dd1cd7e0a8683782d93f6ce7cc56b2a3f9932f339055cd22a0f848.txt b/chunks/txt/a5cc870b13dd1cd7e0a8683782d93f6ce7cc56b2a3f9932f339055cd22a0f848.txt
new file mode 100644
index 0000000000000000000000000000000000000000..10e08db1ce689636a16cf9d547f4b6cd19cc60f0
--- /dev/null
+++ b/chunks/txt/a5cc870b13dd1cd7e0a8683782d93f6ce7cc56b2a3f9932f339055cd22a0f848.txt
@@ -0,0 +1,142 @@
+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.
+
+12
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+1
+
+1
+
+Boolean
+
+Boolean
+
+4000
+
+String
+
+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 2-105, 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.
+
+If field 2-106 (Sales History Researched
+Indicator = 'N') is indicated, this field should
+be populated.
+
+T
+
+R
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+R
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+R
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+
+One and only one of fields 2-108, 2-109
+(values of Subject Has Prior Sales Indicator)
+must be indicated.
+
+CR
+
+CR
+
+CR
+
+Subject Has Prior
+Sales Indicator
+
+Indicates whether the subject property
+has prior sales history.
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/RESEARC
+H/SUBJECT[@_HasPriorSalesIndicator='Y']
+
+Subject Has Prior
+Sales Indicator
+
+Indicates whether the subject property
+has prior sales history.
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/RESEARC
+H/SUBJECT[@_HasPriorSalesIndicator='N']
+
+1
+
+1
+
+Data Source
+Description
+
+A free-form text field used to describe
+the source of information.
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/RESEARC
+H/SUBJECT/@DataSourceDescription
diff --git a/chunks/txt/a5d9961ecba4c0c02d9641931ed20b7412dae5020b4cd90d7d2b76226a36f19c.txt b/chunks/txt/a5d9961ecba4c0c02d9641931ed20b7412dae5020b4cd90d7d2b76226a36f19c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..274cb6485c82c7f1d62600e5f5278d65556d8919
--- /dev/null
+++ b/chunks/txt/a5d9961ecba4c0c02d9641931ed20b7412dae5020b4cd90d7d2b76226a36f19c.txt
@@ -0,0 +1,106 @@
+Amenity Category
+Outdoor Living
+
+Subject Property Amenity
+Deck
+
+Material
+Wood
+
+Detail
+168 Sq. Ft.
+
+Apparent Defects, Damages, Deficiencies (Subject Property Amenities)
+
+None
+
+Subject Property Amenities Exhibits
+
+Deck
+
+This is where the Deck photo would display.
+
+Overall Quality and Condition
+
+Overall Quality
+
+Exterior Quality
+Interior Quality
+
+Q4
+Q4
+Q4
+
+Overall Condition
+
+Exterior Condition
+Interior Condition
+
+C3
+C3
+C3
+
+Reconciliation of Overall Quality and Condition
+
+The property has been well maintained and shows little sign of wear and tear.
+
+Highest and Best Use
+
+Is the present use of the subject property …
+
+Legally Permissible
+Physically Possible
+
+Yes
+Yes
+
+Financially Feasible
+Maximally Productive
+
+Yes
+Yes
+
+Yes No
+Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  
+
+Market
+
+Market Area Boundary The subject’s market area is framed to the North by I-70, to the East by Main Street, to the South and West by George
+Washington Park.
+
+Search Criteria Description The pool of potential comparable sales was arrived at by applying the following filters: 3 bedroom, 2 bath built
+within the past 10 years, located within the subject’s market area (east of Washington Park) during the past 12 months.
+
+Search Result Metrics
+
+Active Listings
+
+Median Days on Market
+Lowest List Price
+Median List Price
+Highest List Price
+
+Pending Sales
+
+Housing Trends
+
+Demand/Supply
+
+Market Commentary
+
+7
+52
+$325,000
+$349,000
+$369,000
+2
+
+Sales in Past 12 Months
+
+Lowest Sale Price
+Median Sale Price
+Highest Sale Price
+
+Distressed Market Competition
+Graph
+Price Trend Source
diff --git a/chunks/txt/a5ddac9ccc33dc4a034975ce50eaf8f30cb325e91357349f6319ee944094c434.txt b/chunks/txt/a5ddac9ccc33dc4a034975ce50eaf8f30cb325e91357349f6319ee944094c434.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3a84365529c0cba6130787a1e71df5b6099352cb
--- /dev/null
+++ b/chunks/txt/a5ddac9ccc33dc4a034975ce50eaf8f30cb325e91357349f6319ee944094c434.txt
@@ -0,0 +1,153 @@
+image/png
+
+52
+
+369900
+
+SettledSale
+
+25.164178
+
+-51.328131
+
+Woodland Hills
+
+Deck
+
+Portico
+
+OutdoorLiving
+
+0
+
+Detached
+
+1
+
+true
+
+1
+
+C3
+
+Q4
+
+true
+
+true
+
+false
+
+false
+
+true
+
+true
+
+2024-01-31
+
+1900
+
+2024-03-01
+
+365000
+
+Sale
+
+2019-04-15
+
+275000
+
+Sale
+
+TypicallyMotivated
+
+None
+
+false
+
+14750
+
+Full
+
+Residential
+
+442 Jolly Ave
+
+Anytown
+
+09992
+
+MD
+
+1
+
+SettledSale
+
+Private sale
+
+true
+
+SaleOrTransferType
+
+2024-01-19
+
+Sale
+
+231495234K
+
+Client
+
+NotNecessaryForCredibleResults
+
+NotNecessaryForCredibleResults
+
+The comparables contain 3 bedrooms and were built in approximately the same time period, offering similar overall utility. No time adjustments were warranted as there has been no recent measurable change in market prices. Most emphasis is placed on comparables 4 and 5, which although located further away are still within the subject's market area.
+
+350000
+
+The borrower provided 3 sales which were not in Hilltop Hills but were within the market area. After analyzing the sales provided and adding comps 4 and 5 to the sales grid, there was support for a change in value.
+
+BorrowerInitiated
+
+2024-03-15
+
+ValueChange
+
+false
+
+false
+
+false
+
+false
+
+true
+
+false
+
+false
+
+false
+
+Refinance
+
+OverallQualityAndCondition
+
+The property has been well maintained and shows little sign of wear and tear.
+
+SubjectPriorSalesAndTransferHistory
+
+This was a builder sale.
+
+ComparablesPriorSalesAndTransferHistory
+
+The prior transfers of comps 2 and 5 represent resales at market value.
+
+Market
+
+The Price Trend graph indicates no measurable change in prices during the identified lookback period.
+
+false
+
+Utilize this subsection for additional commentary as required by USPAP.
diff --git a/chunks/txt/a5e489061f4ec82d2ace25abb5c093c1382fd9a7443b22508a5f706543702cd5.txt b/chunks/txt/a5e489061f4ec82d2ace25abb5c093c1382fd9a7443b22508a5f706543702cd5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2a28c6f1e7905e5007605b8fcdb75e9f13eec501
--- /dev/null
+++ b/chunks/txt/a5e489061f4ec82d2ace25abb5c093c1382fd9a7443b22508a5f706543702cd5.txt
@@ -0,0 +1,115 @@
+Room
+Kitchen
+Level 1
+
+Bath - Full
+Level 1
+
+Bath - Full
+Level 1
+
+Update Status
+Not Updated
+
+Not Updated
+
+Not Updated
+
+Time Frame
+
+Quality Comment
+
+Condition Comment
+
+Condition Status
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+Overall Update Status for
+Bathrooms
+
+Not Updated
+
+Interior Features
+
+Feature
+Flooring
+
+Walls and Ceiling
+
+Overall Update Status for
+Flooring
+
+Detail
+Carpet
+
+Ceramic Tile
+
+8 Ft. | Flat
+
+Not Updated
+
+Quality Comment
+
+Condition Status
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+Condition Comment
+
+Apparent Defects, Damages, Deficiencies (Unit Interior - Building 1 - Unit A)
+
+None
+
+Unit Interior Exhibits
+
+Level 1 - Bath - Full - Bath 1
+
+Level 1 - Bath - Full - Bath 2
+
+This is where the Unit A Bath 1 photo would display.
+
+This is where the Unit A Bath 2 photo would display.
+
+Level 1 - Bedroom - Bedroom 1
+
+Level 1 - Bedroom - Bedroom 2
+
+This is where the Unit A Bedroom 1 photo would display.
+
+This is where the Unit A Bedroom 2 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 7 of 26
+
+Unit Interior - Building 1 - Unit A (continued)
+
+Level 1 - Dining Room
+
+Level 1 - Kitchen
+
+This is where the Unit A Dining Room photo would display.
+
+This is where the Unit A Kitchen photo would display.
+
+Level 1 - Living Room
+
+This is where the Unit A Living Room photo would display.
+
+Unit Interior - Building 1 - Unit B
+
+Area Breakdown
+
+Finished Above Grade
+Unfinished Above Grade
+Finished Below Grade
+Unfinished Below Grade
diff --git a/chunks/txt/a5f1bc5e6fb5a923f0184ca706f39a6025739535a532f3b630ed839420ccbfc3.txt b/chunks/txt/a5f1bc5e6fb5a923f0184ca706f39a6025739535a532f3b630ed839420ccbfc3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b184b657a0e1bf5f2f0f1917ce9adf105ed1828d
--- /dev/null
+++ b/chunks/txt/a5f1bc5e6fb5a923f0184ca706f39a6025739535a532f3b630ed839420ccbfc3.txt
@@ -0,0 +1,96 @@
+• 1004 Hybrid/70H
+
+REQUIREMENT
+
+• 1004 Desktop/70D
+
+The appraiser must provide the method used
+to obtain the information of the subject
+property.
+
+Appraisal
+Assignment Type
+
+Subject Property
+Data Collection
+Method
+
+Hybrid
+
+Hybrid
+
+Physical
+
+Virtual
+
+DesktopAppraisal
+
+PriorURAR
+
+DesktopAppraisal
+
+PriorHybrid
+
+DesktopAppraisal
+
+Other
+
+Reporting Format:
+Enumerations are case sensitive, and
+appraiser can only select one of the values
+listed above.
+
+Page 59 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
+Workforce
+The appraiser must provide the individual who
+completed the property data report (PDR)
+based on one of the data collection methods
+
+• 1004 Hybrid /70H
+
+REQUIREMENT
+
+Reconciliati
+on Section
+
+Appraiser
+
+AppraiserTrainee
+
+RealEstateAgent
+
+HomeInspector
+
+InsInspector (e.g. Insurance
+Inspector)
+
+Other
+
+Reporting Format:
+Enumerations are case sensitive, and
+appraiser can only select one of the values
+listed above.
+
+This appraisal is made ‘as is’, subject to
+completion...
+The appraiser must select either the ‘as is’ or
+at least one of the ‘subject to’ checkboxes. If
+any of the ‘subject to’ checkboxes are
+selected, provide a description.
+
+Reporting Format:
+This appraisal is made ‘as is’, subject to
+completion… – Checkbox(es) designated with
+an ‘x’
+Description (if applicable) – Text
diff --git a/chunks/txt/a5f2931ca60d33bae867125ce31c6d02b3fc85327e97a7f4a7ad9ba742b81f8d.txt b/chunks/txt/a5f2931ca60d33bae867125ce31c6d02b3fc85327e97a7f4a7ad9ba742b81f8d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b3f660f86895f2f9ece791500a30712a0f578f57
--- /dev/null
+++ b/chunks/txt/a5f2931ca60d33bae867125ce31c6d02b3fc85327e97a7f4a7ad9ba742b81f8d.txt
@@ -0,0 +1,33 @@
+economically.
+
+1
+
+In May 2010, the MISMO Residential Governance Committee approved the publication of the MISMO
+Version 3.0 Reference Model. MISMO Version 3.0 is designed to facilitate one data model, which promotes
+data transparency and strengthens data validation. This model was updated in May of 2010. The XML-
+based MISMO Version 3.0 uses the full World Wide Web Consortium (W3C®) schema standard. It uses a
+common architecture and logical model, which results in the same format for any origination process and
+between processes (for example, between loan origination, secondary market, and loan servicing). This
+approach results in a consistent data structure with greater interoperability and efficiency of reuse.
+
+The ULDD identified in the Appendix D: Fannie Mae XML Data Reference is a subset of the complete
+MISMO Version 3.0 Reference Model, which will be used for the GSE loan delivery applications. The data
+is obtained from the MISMO Version 3.0 Schema published in May 2010 (see reference in table below).
+When updates are made to Appendix D: Fannie Mae XML Data Reference, we will provide the MISMO
+version and date of the schema used during our data mapping process. We will likewise update Fannie
+Mae documents. Fannie Mae may update this Implementation Guide in response to changes to the ULDD,
+or as Fannie Mae business needs may require.
+
+1 www.mismo.org
+
+© 2018 Fannie Mae. Trademarks of Fannie Mae.
+
+June 2018 | 6 of 22
+
+Table 1 - MISMO Version URL
+
+Title and URL
+
+Version 3.0 Residential Reference Model
+http://www.mismo.org/s tandar ds-and-r esources /residential-
+specifications/mismo-version-30
diff --git a/chunks/txt/a60c828ae17d99cdac7191cbdd37c8acc542ede194516d2abdd21c27b9c7a460.txt b/chunks/txt/a60c828ae17d99cdac7191cbdd37c8acc542ede194516d2abdd21c27b9c7a460.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d0806374081cf20f33c7a232ccc4084df5b6e885
--- /dev/null
+++ b/chunks/txt/a60c828ae17d99cdac7191cbdd37c8acc542ede194516d2abdd21c27b9c7a460.txt
@@ -0,0 +1,67 @@
+Page 40
+
+The static text for Intended User (FID: 05.008 - 05.009) is not delivered in the XML. Text provided for Additional Intended User –
+ValuationAdditionalIntendedUserDescription (UID: 2200.0008, FID: 05.010) is delivered in the XML.
+
+Report
+Field ID
+
+Intended User Text
+
+Text Conditionality
+
+05.008
+
+The intended user of this report is the lender/client.
+
+Always displays
+
+FHA and the Mortgagee are the intended users of this
+report.
+
+05.009
+
+The USDA and any other identified lender/client are
+intended users of this report.
+
+The VA is also an intended user of this report.
+
+Display descriptive text when GovernmentAgencyAppraisalType (UID:
+1000.0121, FID: 05.009) = "FHA" and the original appraisal is for a purchase
+or refinance transaction
+Display descriptive text when GovernmentAgencyAppraisalType (UID:
+1000.0121, FID: 05.009) = “USDA”
+Display descriptive text when GovernmentAgencyAppraisalType (UID:
+1000.0121, FID: 05.009) = “VA”
+
+Additional Intended Users – ValuationAdditionalIntendedUserIndicator (UID: 2200.0046, FID: Not on report)
+
+• When “true”
+
+o Display sub-header: Additional Intended Users (FID: 05.046)
+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: 2200.0008, FID: 05.010) and deliver in XML.
+
+Page 41
+
+• When “false”
+
+o Do not display sub-header
+
+Appraiser Certifications
+
+The Appraiser Certifications subsection always displays.
+
+Report
+Field ID
+
+Cert #
+
+Certifications Text
+
+Appraiser Certifications
+
+05.011
+
+The Appraiser certifies and agrees that:
diff --git a/chunks/txt/a615d17ed4c17ec93659ef92c4e2349261da534ea53d890e13f84834092b620c.txt b/chunks/txt/a615d17ed4c17ec93659ef92c4e2349261da534ea53d890e13f84834092b620c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fa67bfa6e13fb50b8a4b481a9cb693d6e3b2ef86
--- /dev/null
+++ b/chunks/txt/a615d17ed4c17ec93659ef92c4e2349261da534ea53d890e13f84834092b620c.txt
@@ -0,0 +1,131 @@
+Appendix F-1: URAR Reference Guide
+
+Page 110 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+08 Dwelling Exterior
+
+Mechanical System Details
+
+The Mechanical System Details subsection always displays.
+
+Heating
+
+Dwelling Exterior: Mechanical System Details - Heating
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+8.049
+
+Heating (System) Always required
+
+Allowable
+Answers / Format
+
+Choose one or
+more allowable
+answers from
+table (Heating
+System Type)
+
+Definition / Additional Guidance
+
+Heating System Type: The type(s) of permanent heating systems in the
+structure.
+•
+None
+•
+Baseboard
+•
+Fireplace
+•
+Forced Warm Air
+•
+Gravity Air
+• Mini Split
+•
+•
+•
+•
+•
+
+Passive Solar
+Radiant
+Radiators
+Stove
+Other (Describe)
+
+8.050
+
+Heating (Detail) Required for each
+identified Heating
+System Type
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+Heating System Fuel
+•
+Coal
+•
+Electric
+•
+Geothermal
+•
+Natural Gas
+•
+Oil
+•
+Propane
+•
+Solar
+• Wood
+•
+
+Other (Describe)
+
+8.050
+
+Heating (Detail) Required if Heating
+System Type is None
+
+Yes | No
+
+Lack of Heating Typical for Market: Indicates whether the lack of heating is
+prevalent in the market.
+•
+•
+
+Yes (Typical for Market)
+No (Not Typical for Market)
+
+Allowable Answer
+
+Definition / Additional Guidance
+
+Heating System Type (Choose one or more)
+
+None
+
+Baseboard
+
+Fireplace
+
+Note: Only select this answer if the structure does not have permanent heat.
+
+A system of perimeter heating located at the base of the wall where the baseboard would be.
+
+Note: Only select this answer if the fireplace is used as the primary source of heat. Other fireplaces are reported in the
+Subject Property Amenities section (14.002).
diff --git a/chunks/txt/a61ec0a854615a8adb90bfdd7616426e74ec268bad556cdfe6de5b01cd70e8c6.txt b/chunks/txt/a61ec0a854615a8adb90bfdd7616426e74ec268bad556cdfe6de5b01cd70e8c6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..55a1f7c736e45bf6090e84b1092252c0aeb5def9
--- /dev/null
+++ b/chunks/txt/a61ec0a854615a8adb90bfdd7616426e74ec268bad556cdfe6de5b01cd70e8c6.txt
@@ -0,0 +1,101 @@
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+At least one but no more than two values are
+required.
+
+R
+
+R
+
+R
+
+Form FNM 1004 FRE 70
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 37 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
+
+94
+
+1
+
+e-7
+
+SITE
+
+View
+
+GSE View Type
+Other Description
+
+The type of view associated with the
+property if other is selected.
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='0']/C
+OMPARISON_VIEW_DETAIL_EXTENSION/
+COMPARISON_VIEW_DETAIL_EXTENSIO
+N_SECTION[@ExtensionSectionOrganizationN
+ame='UNIFORM APPRAISAL
+DATASET']/COMPARISON_VIEW_DETAIL_
+EXTENSION_SECTION_DATA/COMPARIS
+ON_VIEW_DETAIL[@GSEViewType='Other']
+/@GSEViewTypeOtherDescription
+
+19
+
+String
+
+UAD Requirement - Refer to Appendix D Site Section
+If a view factor not on the list materially affects the value of the subject
+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.
+
+This data is referenced more than once on the form for the subject property and
+must be represented consistently.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
diff --git a/chunks/txt/a63b18aa6a1ef8c4b9776477ca85c8ec0d93e0154f37124e00e19019ba647bda.txt b/chunks/txt/a63b18aa6a1ef8c4b9776477ca85c8ec0d93e0154f37124e00e19019ba647bda.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5c35527add4ac2e29f337b9da06bae62e2997c6a
--- /dev/null
+++ b/chunks/txt/a63b18aa6a1ef8c4b9776477ca85c8ec0d93e0154f37124e00e19019ba647bda.txt
@@ -0,0 +1,27 @@
+---
+title: "Uniform Appraisal Dataset | Fannie Mae"
+source_url: "https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset"
+date_accessed: "2026-01-27T17:47:14.159Z"
+selector: ".component-space-lg.break-grid.rag-highlight-border"
+parent_folder: "APPRAISAL_DATASET"
+capture_name: "Uniform_Appraisal_Dataset___Fannie_Mae6"
+---
+
+###
+
+- Uniform Residential Appraisal Report
+ - Restricted Appraisal Update Report
+ - Completion Report
+ [**Appendix A-1: URAR Delivery Specification**](/media/document/xlsx/appendix-1-urar-delivery-specification)
+
+This document contains the UAD dataset and XML mapping based on MISMO v3.6. It includes all the details necessary to create a well-formed XML file in accordance with MISMO v3.6.
+
+[**Appendix B-1: URAR Implementation Guide**](/media/document/zip/appendix-b-1-urar-implementation-guide)
+
+This zip file contains the Implementation Guide and its supplements. The Implementation Guide assists software vendors with data mapping, field formats, and the display logic for the PDF representation of the report. The supplements help identify details related to the Comparable Grids and provide guidance for creating the user interface.
+
+[**Appendix C-1: URAR Layout**](/media/document/zip/appendix-c-1-urar-layout)
+
+This zip file contains the URAR with Report Field IDs document and the URAR without Report Field IDs document. The purpose of these documents is to show all possible Report Labels that may display on the URAR, regardless of conditionality.
+
+[**Appendix D-1: URAR Sample Scenarios and XML Files**](/media/document/zip/appendix-d-1-urar-sample-scenarios-and-xml-files)
diff --git a/chunks/txt/a63d303acebb559f5f8ebcfb9b80634c8a22857e0b79fd938210788fae5f410e.txt b/chunks/txt/a63d303acebb559f5f8ebcfb9b80634c8a22857e0b79fd938210788fae5f410e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3284009e20eb7194a6e3f27e89a1ebbe34e60263
--- /dev/null
+++ b/chunks/txt/a63d303acebb559f5f8ebcfb9b80634c8a22857e0b79fd938210788fae5f410e.txt
@@ -0,0 +1,175 @@
+Page 11 of 19
+Page 11 of 19
+
+Sales Comparison Approach (continued)
+
+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
+
+Subject Property
+
+Comparable # 1
+
+Comparable #2
+
+Comparable #3
+
+Summary
+
+List Price
+
+Sale Price
+
+Net Adjustment Total
+
+Price Per Finished Area
+Above Grade
+
+Adjusted Price
+
+Comparable Weight
+
+—
+
+$339,900
+
+$335,000
+
+$13,000
+
+$279
+
+$348,000
+
+Less
+
+$350,000
+
+$350,000
+
+$0
+
+$278
+
+$350,000
+
+Less
+
+$364,900
+
+$364,900
+
+$(11,400)
+
+$278
+
+$353,500
+
+Less
+
+Indicated Value by Sales Comparison Approach
+
+Indicated Value
+
+$350,000
+
+Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K
+
+Uniform Residential Appraisal Report
+
+Page 12 of 19
+Page 12 of 19
+
+Sales Comparison Approach (continued)
+
+General Information
+
+Property Address
+
+Subject Property
+
+Comparable #4
+
+Comparable #5
+
+213 Tree Stand Rd
+Anytown, MD 09992
+
+849 Jolly Ave
+Anytown, MD 09992
+
+342 Trail Dr
+Anytown, MD 09992
+
+This is where the
+Dwelling Front photo
+would display.
+
+This is where the
+Comparable 4 photo
+would display.
+
+This is where the
+Comparable 5 photo
+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
+
+Neighborhood Name
+
+View | Range
+
+Dwelling(s)
+
+Year Built
+
+Heating
+
+Unit(s)
+
+Bedrooms
+
+Baths - Full | Half
+
+Finished Area Above Grade
+
+Finished Area Below Grade
+
+MLS HC9652147 |
+Assessor Record
+
+MLS HC74563455 |
+Assessor Record
diff --git a/chunks/txt/a6487209c3b634f50e4324583f1031bdd9e9da76d3742d215952661099ca4750.txt b/chunks/txt/a6487209c3b634f50e4324583f1031bdd9e9da76d3742d215952661099ca4750.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5ab197918995da842a54f834879debdd07ee5e63
--- /dev/null
+++ b/chunks/txt/a6487209c3b634f50e4324583f1031bdd9e9da76d3742d215952661099ca4750.txt
@@ -0,0 +1,134 @@
+/VALUATION_RESPONSE/PROPERTY/PRO
+PERTY_ANALYSIS[@_Type='AdverseSiteCon
+ditions']/@_Comment
+
+This field should describe adverse site conditions, etc.
+
+4000
+
+String
+
+Note: All text entered in this field, including overflow into the addendum, must
+be captured and included in the XML data point.
+
+Are the utilities and off-
+site improvements
+typical for the market
+area? Yes
+
+Are the utilities and off-
+site improvements
+typical for the market
+area? No
+
+Are the utilities and off-
+site improvements
+typical for the market
+area? If No, describe
+Are there any adverse
+site conditions or
+external factors
+(easements,
+encroachments,
+environmental
+conditions land uses
+Are there any adverse
+site conditions or
+external factors
+(easements,
+encroachments,
+environmental
+conditions land uses
+Are there any adverse
+site conditions or
+external factors
+(easements,
+encroachments,
+environmental
+conditions, land uses,
+etc )? If Yes describe
+Units
+One
+
+133
+
+134
+
+135
+
+1
+
+1
+
+1
+
+137
+
+138
+
+139
+
+140
+
+1
+
+1
+
+1
+
+1
+
+127
+
+SITE
+
+128
+
+IMPROVEMENTS
+
+Structure Accessory
+Unit Exists Indicator
+
+Indicates that the structure has an
+accessory unit.
+
+129
+
+IMPROVEMENTS
+
+Units
+One with Accessory Unit
+
+Structure Accessory
+Unit Exists Indicator
+
+Indicates that the structure has an
+accessory unit.
+
+136
+
+1
+
+130
+
+IMPROVEMENTS # of Stories
+
+GSE Stories Count
+
+The number of whole or partial
+stories of the property.
+
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE[@LivingUnitCount='1' and
+@_AccessoryUnitExistsIndicator='N']
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE[@LivingUnitCount='1' and
+@_AccessoryUnitExistsIndicator='Y']
+/VALUATION_RESPONSE/PROPERTY/STR
+UCTURE/STRUCTURE_EXTENSION/STRU
+CTURE_EXTENSION_SECTION[@Extension
+SectionOrganizationName='UNIFORM
+APPRAISAL
+DATASET']/STRUCTURE_EXTENSION_SEC
+TION_DATA/STRUCTURE_INFORMATION/
+@GSEStoriesCount
diff --git a/chunks/txt/a65663972b6c1257a8f36591da3c6102380ee919e0466027dc7f5cc52a945465.txt b/chunks/txt/a65663972b6c1257a8f36591da3c6102380ee919e0466027dc7f5cc52a945465.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fca7eb1b8424913582fe657ce6cc708599c4a18f
--- /dev/null
+++ b/chunks/txt/a65663972b6c1257a8f36591da3c6102380ee919e0466027dc7f5cc52a945465.txt
@@ -0,0 +1,3 @@
+Overview ................................................................................................................................................................................................................................................ 361
+
+Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 361
diff --git a/chunks/txt/a672e097ebd9d262d8f4f187fbecf052229892758b77d66e32a6239f822a2e65.txt b/chunks/txt/a672e097ebd9d262d8f4f187fbecf052229892758b77d66e32a6239f822a2e65.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1bbcf6c7c636e925bf4bea7e4d0f5e19af0478b4
--- /dev/null
+++ b/chunks/txt/a672e097ebd9d262d8f4f187fbecf052229892758b77d66e32a6239f822a2e65.txt
@@ -0,0 +1,39 @@
+Edit 3417: The Closing Adjustment Item Type of SellerCredit is required as part of Seller Credit data (even if a 0 value) for all
+Purchase loans.
+
+Edit 3421: When the Closing Adjustment Item Type is Gift, Grant, or Rebate Credit the FullName of the Individual or Legal
+Entity who paid it is required.
+
+Edit 3422: The IntegratedDisclosureSectionType of PaidAlreadyByOrOnBehalfOfBorrowerAtClosing is required as part of
+Deposit on Sales Contract data (even if a 0 value) for all Purchase loans.
+
+April 21
+
+UCD Critical Edits -
+
+Phase 1
+
+Implementation
+
+To further refine UCD Phase 1 data quality, the following edits will be updated, effective April 21, 2022. The edit feedback
+messages will be updated to the following:
+
+Fatal edit 3123: If Regulation Z Excluded Bona Fide Discount Points indicator is true, then Loan Price Quote Interest Rate
+Percent is required and must be greater than 0. Data must be numeric up to 3 digits, with up to 4 decimal places.
+
+Fatal edit 3126: If Regulation Z Excluded Bona Fide Discount Points Indicator is true, then Regulation Z Excluded Bona Fide
+Discount Points Percent is required and must be greater than 0. Data must be numeric up to 3 digits, with up to 4 decimal
+places.
+
+March 31
+
+UCD Critical Edits -
+
+Phase 2
+
+Implementation
+
+On March 31, 2022, the GSEs will transition UCD Phase 2 edits to a fatal severity. In preparation for the transition to these
+edits, lenders should review all feedback messages returned by the UCD Collection Solution and resolve any issues,
+particularly the Phase 2 edits showing a severity of warning-to-fatal. Lenders can review all UCD edits by utilizing the FM
+Connect UCD report.
diff --git a/chunks/txt/a6735ef0226a25cd697f693f739f96062292877c0b38af231d978e300ed0b848.txt b/chunks/txt/a6735ef0226a25cd697f693f739f96062292877c0b38af231d978e300ed0b848.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fd0955e14b1f48818978d9900207c5c103232ffc
--- /dev/null
+++ b/chunks/txt/a6735ef0226a25cd697f693f739f96062292877c0b38af231d978e300ed0b848.txt
@@ -0,0 +1,55 @@
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 44 of 166
+
+UAD 3.6 Policy
+
+requested condition commentary section. If the alternate opinion of value does not meet the definition of market value, then the
+appraiser must also identify the type and definition of value developed within their commentary.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 45 of 166
+
+UAD 3.6 Policy
+SB4-1.1-02, Lender Responsibilities (09/03/2025)
+
+Introduction
+
+This topic contains information on lender requirements, including:
+
+Lender Responsibilities
+
+•
+• Confirmation and Documentation of the Current Owner
+• Objective and Unbiased Appraisals
+• Reporting Unfavorable Conditions
+
+Lender Responsibilities
+
+The lender is responsible for ensuring that the subject property provides adequate collateral for the mortgage. For most loans,
+Fannie Mae requires that the lender obtain a signed and complete appraisal report that accurately reflects the market value,
+condition, and marketability of the property. Some loans may be eligible for a value acceptance option, and an appraisal is not
+required if the lender exercises the option and complies with the related requirements. (See SB4-1.4-10, Value Acceptance
+and SB4-1.4-11, Value Acceptance + Property Data, for additional information.)
+
+If an appraisal is obtained, the lender is responsible for
+
+• providing the borrower disclosures and requirements described in SB4-1.3-12, Appraisal Quality Matters;
+•
+•
+•
+
+compliance with the Appraiser Independence Requirements;
+selection of the appraiser (see SB4-1.1-03, Appraiser Selection Criteria);
+compliance with the Uniform Appraisal Dataset (UAD) when applicable (see SB4-1.1-06, Uniform Appraisal Dataset (UAD)
+and the Uniform Collateral Data Portal (UCDP));
+ensuring the appraiser has utilized sound reasoning and provided evidence to support the methodology chosen to
+develop the value opinion, particularly in cases that are not covered by Fannie Mae policy;
+successful submission of the appraisal report through the UCDP prior to sale of the loan (see SB4-1.1-06, Uniform
+Appraisal Dataset (UAD) and the Uniform Collateral Data Portal (UCDP));
+continually evaluating the appraiser’s work through the quality control process (see SB4-1.3-12, Appraisal Quality
+Matters and Selling Guide D1-3-04, Lender Post-Closing Quality Control Review of Appraisers, Appraisals, Property Data
+Collectors, and Property Data Collection); and
+ensuring the appraisal report does not contain subjective and prohibited language relating to discriminatory practices
+and appraisal bias (see SB4-1.1-04, Unacceptable Appraisal Practices).
diff --git a/chunks/txt/a67c9182c3c93b3ca1b08ff370c6c330f7103bb4c9b561f3428bc3007ab44bdf.txt b/chunks/txt/a67c9182c3c93b3ca1b08ff370c6c330f7103bb4c9b561f3428bc3007ab44bdf.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4285a4f3fd30996004607a97ca6c6133a2237d47
--- /dev/null
+++ b/chunks/txt/a67c9182c3c93b3ca1b08ff370c6c330f7103bb4c9b561f3428bc3007ab44bdf.txt
@@ -0,0 +1,47 @@
+For data points ending in the word “type,” one of a specified set of defined,
+acceptable terms. (Also referred to as an enumeration or enumerated
+value.)
+
+World Wide Web
+Consortium (W3C)
+
+The main international standards organization for the World Wide Web.
+Governs such languages as XML, XLink, and XPath.
+
+XML Language
+
+XML namespace
+
+A set of rules for encoding documents in machine-readable form,
+emphasizing emphasize simplicity, generality, and usability over the Internet.
+
+Defined by the W3C, used as a way to uniquely identify named elements
+and attributes in an XML document. An XML instance may contain element
+or attribute names from more than one XML vocabulary. If each vocabulary
+has a namespace, then it does not matter if there are ide
+ntically named elements or attributes; the namespace makes them unique.
+The namespace for data points in the V3.0 Reference Model is
+
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 67 of 76
+
+Section VII. Glossary
+
+Term
+
+Definition
+
+“org:MISMO:residential:2009:LDD.”
+
+XML schema
+
+A description of a type of XML document with file type extension ”.xsd,”
+typically expressed in terms of constraints on the structure and content,
+above and beyond the basic syntactical constraints imposed by XML alone.
+These constraints include grammatical rules governing the order of
+elements, conditions that the content must satisfy, data types governing the
+content of elements and attributes, and more specialized rules such as
+uniqueness and referential integrity constraints.
diff --git a/chunks/txt/a67e16818b185673a6d4b77c6b9114d27ecedf52eb6d88202e1a2c22e66f1d12.txt b/chunks/txt/a67e16818b185673a6d4b77c6b9114d27ecedf52eb6d88202e1a2c22e66f1d12.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bc8713688618e5c1ed930b98f8b4a0db0ad08dc6
--- /dev/null
+++ b/chunks/txt/a67e16818b185673a6d4b77c6b9114d27ecedf52eb6d88202e1a2c22e66f1d12.txt
@@ -0,0 +1,108 @@
+Uniform Residential Appraisal Report
+
+Page 10 of 22
+
+Subject Property Amenities (continued)
+
+Indoor Fireplace
+
+This is where the Indoor Fireplace photo would display.
+
+Overall Quality and Condition
+
+Overall Quality
+
+Exterior Quality
+Interior Quality
+
+Q3
+Q3
+Q2
+
+Overall Condition
+
+Exterior Condition
+Interior Condition
+
+C3
+C3
+C3
+
+Reconciliation of Overall Quality and Condition
+
+The subject features higher end materials that are considered to be semi-custom. The dwelling has been well maintained with minimal wear
+and tear. Possible termite infestation noted.
+
+Highest and Best Use
+
+Is the present use of the subject property …
+
+Legally Permissible
+Physically Possible
+
+Yes
+Yes
+
+Financially Feasible
+Maximally Productive
+
+Yes
+Yes
+
+Yes No
+Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?  
+
+Market
+
+Market Area Boundary The subject is bounded on the northwest by Falling Road, east by I270 and south by Montour Road.
+
+Search Criteria Description Attached properties with Above Grade Finished Area ranging from 1,900 to 4,000 Sq. Ft. in the described market
+boundary area.
+
+Search Result Metrics
+
+Active Listings
+
+Median Days on Market
+Lowest List Price
+Median List Price
+Highest List Price
+
+Pending Sales
+
+Housing Trends
+
+Demand/Supply
+
+8
+46
+$780,000
+$1,070,000
+$1,550,000
+2
+
+Sales in Past 12 Months
+
+Lowest Sale Price
+Median Sale Price
+Highest Sale Price
+
+Distressed Market Competition
+Graph
+Price Trend Source
+
+6
+$780,000
+$880,000
+$1,050,000
+No
+Price Trend
+This Area MLS
+
+In Balance
+
+Marketing Time
+
+Under 3 Months
+
+Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024
diff --git a/chunks/txt/a68961394a8831e7561c8f30aa0496d7a6a5dbcd7707e0b4685ab205403b6192.txt b/chunks/txt/a68961394a8831e7561c8f30aa0496d7a6a5dbcd7707e0b4685ab205403b6192.txt
new file mode 100644
index 0000000000000000000000000000000000000000..561340f2b8e33f4af357e82a701b958ec9a99c72
--- /dev/null
+++ b/chunks/txt/a68961394a8831e7561c8f30aa0496d7a6a5dbcd7707e0b4685ab205403b6192.txt
@@ -0,0 +1,16 @@
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
+
+## Footer
+
+- [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
diff --git a/chunks/txt/a68ae78feb7d575ea66394ba2912cfd5e068119d5a31e714c65f3a568f0a95b5.txt b/chunks/txt/a68ae78feb7d575ea66394ba2912cfd5e068119d5a31e714c65f3a568f0a95b5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..43f03b98078387f7c83978401f0ca004a9d131db
--- /dev/null
+++ b/chunks/txt/a68ae78feb7d575ea66394ba2912cfd5e068119d5a31e714c65f3a568f0a95b5.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
+
+# Enterprise Housing Goals
+
+## Breadcrumb
+
+- [Home](/)
+ - [FHFA Data](/data)
+ - Enterprise Housing Goals
+
+FHFA establishes annual single-family and multifamily housing goals for mortgages purchased by Fannie Mae and Freddie Mac. The [Enterprise Housing Goals](/programs/enterprise-affordable-housing-goals) include separate categories for single-family mortgages on housing that is affordable to low-income and very low-income families, as well as refinanced mortgages for low-income borrowers. FHFA also establishes separate annual goals for multifamily housing.
diff --git a/chunks/txt/a6b96f16b45e815ca23a1a7decca2694cf1533d2287a8d7069f7cb3e67d47048.txt b/chunks/txt/a6b96f16b45e815ca23a1a7decca2694cf1533d2287a8d7069f7cb3e67d47048.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0ffc9c263c5a0ea1d8470a0a4d3e797b504276a1
--- /dev/null
+++ b/chunks/txt/a6b96f16b45e815ca23a1a7decca2694cf1533d2287a8d7069f7cb3e67d47048.txt
@@ -0,0 +1,359 @@
+.VALUATION_METHODS
+
+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
+
+CR
+
+CR
+
+CR
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+CR
+
+CR
+
+CR
+
+CR
+
+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
+
+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
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+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
+
+T
+
+T
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+N/A
+
+T
+
+T
+
+Page 20 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
+
+..COST_ANALYSIS
+...NEW_IMPROVEMENT
+New Improvement Type**
+
+New Improvement Type Other Description**
+
+New Improvement Cost Description**
+
+Square Feet Count
+
+Price Per Square Foot Amount
+
+New Improvement Cost Amount**
+
+.VALUATION_METHODS
+..COST_ANALYSIS
+...DEPRECIATION
+Depreciation Physical Amount**
+
+Depreciation Functional Amount**
+
+Depreciation Exterior Amount**
+
+Depreciation Total Amount**
+
+.VALUATION_METHODS
+..SALES_COMPARISON
+Value Indicated By Sales Comparison Approach Amount
diff --git a/chunks/txt/a6c415b6d4259126debbe6257fa842b90720bd97dce3ab78322d111772fed78f.txt b/chunks/txt/a6c415b6d4259126debbe6257fa842b90720bd97dce3ab78322d111772fed78f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c64e837b61dd78fe31d3a4c067b6a3b4f2319ca1
--- /dev/null
+++ b/chunks/txt/a6c415b6d4259126debbe6257fa842b90720bd97dce3ab78322d111772fed78f.txt
@@ -0,0 +1,11 @@
+Figure 4: Distribution of Hurricane Risk for Acquired UPB in Texas in Counties Eligible for Individual Assistance
+
+In the dashboard, users can evaluate the distribution of acquired UPB and hurricane risk in the state of Texas versus the counties with the presidential disaster declaration. In 2022, the Enterprises and the FHLBanks acquired 356,786 single-family loans in Texas for a total of approximately $105.4 billion in acquired UPB.[[10]](#ftn10) Figure 3 shows the distribution of 2022 acquired single-family UPB in Texas by hurricane risk. By the NRI ratings for hurricanes, 22.47 percent of acquired single-family UPB in the state was in either very-high or relatively-high-risk census tracts.
+
+Figure 4 shows the distribution of risk in the 17 counties eligible for individual assistance. In these counties, 82.13 percent of acquired single-family UPB was in very-high or relatively-high-risk census tracts. Historically these locations near the Gulf Coast have experienced more hurricanes than counties further inland in the state. As a result, these counties tend to have higher exposure to hurricane risk.
+
+By using the “National Risk Index Chart,” users can compare how hurricane risk in Texas in the NRI compares to hurricane risk in the United States overall. The average national hurricane risk in the NRI is 50.0 and the average for Texas is 56.2, suggesting that relative to all other tracts in the country, Texas contains tracts that are on average, just above the median risk.
+
+## **Disaster Assistance**
+
+Fannie Mae and Freddie Mac have resources to help borrowers impacted by natural disasters. If your mortgage is backed by either Fannie Mae or Freddie Mac and your ability to repay your mortgage has been affected by a disaster, please see more information [here](https://www.fhfa.gov/homeowners-and-homebuyers/mortgage-assistance/disaster-assistance) about ways to get help.
diff --git a/chunks/txt/a6cb3c6a81cfa45242c2bad1388c6042b3df79d663302abdbc9f5a7c90f39f81.txt b/chunks/txt/a6cb3c6a81cfa45242c2bad1388c6042b3df79d663302abdbc9f5a7c90f39f81.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bb0e41717e8ff5851c4d5aabd3ef092c64e37527
--- /dev/null
+++ b/chunks/txt/a6cb3c6a81cfa45242c2bad1388c6042b3df79d663302abdbc9f5a7c90f39f81.txt
@@ -0,0 +1,103 @@
+4.2.3 Goes as high as n%
+in year n
+
+…/BUYDOWN_RULE/
+EXTENSION/OTHER
+
+gse:BuydownReflect
+edInNoteIndicator
+
+true
+
+…/LOAN/LOAN_DET
+AIL
+
+BuydownTemporary
+SubsidyFundingIndic
+ator
+
+true
+
+4.2.2
+
+Can this amount
+increase…?
+
+InterestRateIncrease
+Indicator
+
+true
+
+Represented as
+“Goes …” on form
+Indicates need for
+additional data
+points
+
+Not shown –
+Indicates need for
+additional data
+points
+
+Represented as
+“YES” on form
+
+4. 2. 3 I NTEREST RATE I NCREASE TERMS
+
+Regardless of whether the rate increase is potential or scheduled, the adjustment frequency of the first
+adjustment period, lifetime maximum rate and a reference to the AIR table also must be provided.
+
+a. ADJUSTABLE OR STEP RATE LOANS
+
+The following table illustrates the data points that need to be supplied for Adjustable and Step Rate loans. For
+form field ID 4.2.3, a reference to the bullet is also provided (first = (1), second = (2), third = (3)). Because most
+of the data in row 4.2 of the Loan Terms table is repeated in the Adjustable Interest Rate (AIR) Table, cross
+references to the AIR Table form field IDs supported by the same data points are provided.
+
+Appendix E: UCD Implementation Guide
+
+Page 67 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+4.0 Loan Terms
+
+Table 54. Adjustable and Step Rate Loans
+
+ID
+(bullet)
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+
+Point/Attribute MISMO v3.3.0 Value
+
+Notes
+
+4.2.3 (1) |
+20.3 max
+
+Goes as high as n%
+in year 15
+
+4.2.3 (1) Goes as high as n%
+in year 15
+
+…/INTEREST_RATE_
+ADJUSTMENT/INTER
+EST_RATE_LIFETIME
+_ADJUSTMENT_RUL
+E
+
+4.2.3 (2) |
+20.4
+
+Adjusts every n
+years starting in
+year n
diff --git a/chunks/txt/a6d857bd81799067fa2a2103ac5ea00fedc2ff3613cf6adb83eab60a33ce53bb.txt b/chunks/txt/a6d857bd81799067fa2a2103ac5ea00fedc2ff3613cf6adb83eab60a33ce53bb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b5a7f4d486f657ed3037a76d0709ed41fc48722a
--- /dev/null
+++ b/chunks/txt/a6d857bd81799067fa2a2103ac5ea00fedc2ff3613cf6adb83eab60a33ce53bb.txt
@@ -0,0 +1,92 @@
+If there are multiple dwellings, Exterior Quality and Condition ratings display for each one.
+
+Exterior Quality and Condition – for each Dwelling
+
+Report
+Field ID
+
+15.001
+15.006
+
+Report Label
+
+When to Include
+
+N/A
+
+Displays when
+Dwellings Containing
+Units is more than 1
+
+Allowable
+Answers / Format
+
+Free-form
+
+Definition / Additional Guidance
+
+If applicable, Structure Identifier (8.000) redisplays from each Dwelling Exterior
+section.
+Examples: Building 1, Building 2
+
+Appendix F-1: URAR Reference Guide
+
+Page 173 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+15 Overall Quality and Condition
+
+Exterior Quality and Condition – for each Dwelling
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+15.002 Exterior Quality Displays when
+
+Q1 to Q6
+
+Definition / Additional Guidance
+
+If applicable, Exterior Quality Rating (8.022) redisplays from each Dwelling
+Exterior section.
+
+15.007 Exterior
+
+Condition
+
+Homeowner
+Responsible for all
+Exterior Maintenance
+of Dwellings is Yes
+
+Displays when
+Homeowner
+Responsible for all
+Exterior Maintenance
+of Dwellings is Yes
+
+Interior Quality and Condition
+
+C1 to C6
+
+If applicable, Exterior Condition Rating (8.023) redisplays from each Dwelling
+Exterior section.
+
+Note: Reflects the condition as if any required repairs, inspections, or
+completions have been satisfactorily completed.
+
+Interior Quality and Condition ratings are redisplayed from the Unit Interior section for each unit that is not an
+ADU to give context to the Overall Quality and Condition ratings.
+
+If the unit is an ADU (10.011), Interior Quality and Condition does not display here. It displays in the Unit Interior
+section for the ADU (10.034 and 10.035).
diff --git a/chunks/txt/a6daea6a053cb52072ada7687a48e705054f38e2c6c539b1f41d0f2e310ccfce.txt b/chunks/txt/a6daea6a053cb52072ada7687a48e705054f38e2c6c539b1f41d0f2e310ccfce.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9f28e585b7fc879df94bb701bf0826002e0b908a
--- /dev/null
+++ b/chunks/txt/a6daea6a053cb52072ada7687a48e705054f38e2c6c539b1f41d0f2e310ccfce.txt
@@ -0,0 +1,30 @@
+Technology Manager Release Notes
+
+August 6, 2020
+
+Technology Manager 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.
+
+What's new in this release?
+
+Technology Manager now provides a self-serve functionality to manage password resets for Administrator-managed
+organizations. Administrator-managed Users will be able to access this feature and perform the following actions:
+
+1. External Fannie Mae technology Users initiate the password reset process through the self-serve password reset tool.
+
+Upon validating their User ID through a temporary one-time passcode, an email is sent to their assigned Administrator(s)
+notifying them of their request.
+
+2. Administrators have the option to approve or deny a User’s request within Technology Manager.
+3. Users are notified if their request is approved/denied via email. If approved, the User can reset their password without
+
+having to answer a security question or supplying a PIN.
+
+4. Administrators can reset their own passwords using the self-serve password reset tool without requiring approval from
+
+other individuals/roles.
+
+View a side-by-side comparison of the old and new process.
+
+© 2020 Fannie Mae 9.23.20 Page 1 of 1
diff --git a/chunks/txt/a6e2124157ffc23166fe6cca26247068e9b75d38670a5dd7bd9b228d8198256a.txt b/chunks/txt/a6e2124157ffc23166fe6cca26247068e9b75d38670a5dd7bd9b228d8198256a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..24008670b3941fd4eb946108b098e2488413cc48
--- /dev/null
+++ b/chunks/txt/a6e2124157ffc23166fe6cca26247068e9b75d38670a5dd7bd9b228d8198256a.txt
@@ -0,0 +1,42 @@
+• The addition of a data point to capture the annual percentage rate (APR) for adjustable-rate
+
+mortgages (ARMs) with interest rate changes within the first five years.
+
+• Enumeration Changes
+
+o Change to valid enumerations for mortgage insurance company names to support
+
+Genworth’s name change to Enact.
+
+o Addition to valid values accepted for taxes and other government fees
+
+• Table of changes to existing requirements communicated in the UCD Specification v1.5 as a
+
+result of the implementation of critical edits.
+
+N O T E : Fannie Mae and Freddie Mac (the GSEs) are discussing when an update to the UCD
+Specification v1.5 will be published.
+
+New Data Point
+
+Overview
+On December 29, 2020, the Consumer Financial Protection Bureau (CFPB) revised the General
+Qualified Mortgage (QM) loan definition in an amendment to the Truth in Lending Act’s (TILA)
+interpretive regulation, Regulation Z. The GSEs have worked together to align on certain policies to
+implement QM requirements, as well as requirements related to loans that are exempt from the TILA or
+the Ability-to-Repay Rule.
+
+In response to the policy changes under the revised General QM Rule, the GSEs have identified the
+need for an additional UCD data point that covers the Annual Percentage Rate (APR) data point
+specifically for Short Reset ARMs – ARMs that have an interest rate change within the first five years
+after the date on which the first regular periodic payment is due.
+
+Requirement
+Regulation Z Section: Section 12 C.F.R. § 1026.43(e)(2)(iv)
+
+Data Point: gse:QualifiedMortgageShortResetARM_APRPercent
+
+Definition: The annual percentage rate for the loan based on the accepted industry standard defined
+by Regulation Z (Section 12 C.F.R. § 1026.43(e)(2)(iv)) used for QMs that have an interest rate
+change within the first five years after the date on which the first regular periodic payment is due (e.g.,
+3/6 and 5/6 SOFR-indexed ARMs).
diff --git a/chunks/txt/a6e543c462a67856d2ca922fb449c2d68a72c55f781bf13a9067e5ac39debc65.txt b/chunks/txt/a6e543c462a67856d2ca922fb449c2d68a72c55f781bf13a9067e5ac39debc65.txt
new file mode 100644
index 0000000000000000000000000000000000000000..37f07f867523d56491628f86d30827fe7e168a06
--- /dev/null
+++ b/chunks/txt/a6e543c462a67856d2ca922fb449c2d68a72c55f781bf13a9067e5ac39debc65.txt
@@ -0,0 +1,118 @@
+Data Field
+Conditionality 1004
+Hybrid/70H
+
+Data Field
+Conditionality 1004
+Desktop/70D
+
+Sort ID
+
+Form
+Page
+
+Form
+Reference
+Number
+
+Form
+Section
+
+39
+
+1
+
+38
+
+SUBJECT
+
+40
+
+1
+
+39
+
+SUBJECT
+
+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 the appraisal?
+Yes
+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 the appraisal?
+No
+
+Listed Within
+Previous Year
+Indicator
+
+Indicates that the property has been
+listed within the previous twelve (12)
+months.
+
+/VALUATION_RESPONSE/PROPERTY/LIST
+ING_HISTORY[@ListedWithinPreviousYearIn
+dicator='Y']
+
+Listed Within
+Previous Year
+Indicator
+
+Indicates that the property has been
+listed within the previous twelve (12)
+months.
+
+/VALUATION_RESPONSE/PROPERTY/LIST
+ING_HISTORY[@ListedWithinPreviousYearIn
+dicator='N']
+
+41
+
+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_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/@GSEDaysOnMarketDescription
+
+42
+
+1
+
+40
+
+SUBJECT
+
+Report data source(s)
+used, offering price(s),
+and date(s).
diff --git a/chunks/txt/a6e592b3234eedf519f87a7e1e7c04152dc81eed643e7c804df722f83b2be49a.txt b/chunks/txt/a6e592b3234eedf519f87a7e1e7c04152dc81eed643e7c804df722f83b2be49a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d0104071a259f273e775a9e7693bdad72c1657b3
--- /dev/null
+++ b/chunks/txt/a6e592b3234eedf519f87a7e1e7c04152dc81eed643e7c804df722f83b2be49a.txt
@@ -0,0 +1,101 @@
+$ N. Due from Seller at Closing
+$
+$
+$
+$
+$
+
+Excess Deposit
+Closing Costs Paid at Closing (J)
+Existing Loan(s) Assumed or Taken Subject to
+Payoff of First Mortgage Loan
+Payoff of Second Mortgage Loan
+
+12.6 Other Credits
+12.6.2 Gift, Grant, Rebate, Purchase Credit Closing Adjustment Item 12.6.3
+
+$
+
+Seller Credit
+
+12.7 Adjustments
+12.7.2 Closing Adjustment Item
+
+12.7.3
+
+$
+
+12.7.4 Adjustments for Items Unpaid by Seller
+12..8 City/Town Taxes Date to Date
+12.9 County Taxes Date to Date
+12.10 Assessments Date to Date
+12.11 Additional Items Date to Date
+
+12.8.1
+12.9.1
+12.10.1
+12.11.1
+
+$
+$
+$
+$
+
+Adjustments for Items Unpaid by Seller
+City/Town Taxes to
+County Taxes to
+Assessments to
+Additional Items to
+
+13.0 CALCULATION
+
+CALCULATION
+
+13.1 Total Due from Borrower at Closing (K)
+13.1.1
+13.2 Total Paid Already by or on behalf of Borrower at Closing (L) 13.2.1
+
+$
+-$
+
+Total Due to Seller at Closing (M)
+Total Due from Seller at Closing (N)
+
+13.3 Cash to Close From (if +) To (if -) Borrower
+
+13.3.1
+
+$
+
+Cash to Close From To Seller
+
+CLOSING DISCLOSURE
+
+PAGE 3 OF 5 ▪ LOAN ID #
+
+Uniform Closing Dataset v2.0
+
+Numbered Model Disclosure
+
+Additional Information About This Loan
+
+Loan Disclosures
+
+17.0
+
+17.1 Assumption
+If you sell or transfer this property to another person, your lender
+ will allow, under certain conditions, this person to assume this
+
+18.0 Escrow Account
+For now, your loan
+18.1  will have an escrow account (also called an “impound” or “trust”
+
+loan on the original terms.
+
+ will not allow assumption of this loan on the original terms.
+
+17.2 Demand Feature
+Your loan
+ has a demand feature, which permits your lender to require early
+repayment of the loan. You should review your note for details.
diff --git a/chunks/txt/a6eb6a0da179b7b901308f97a4463330fabf5fb378a321d454039146db204a2a.txt b/chunks/txt/a6eb6a0da179b7b901308f97a4463330fabf5fb378a321d454039146db204a2a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e36d14b3c22d983259bcb3db2e5cd3249eb71f8d
--- /dev/null
+++ b/chunks/txt/a6eb6a0da179b7b901308f97a4463330fabf5fb378a321d454039146db204a2a.txt
@@ -0,0 +1,34 @@
+8. Unique ID: In Appendix I, the unique number in nnn.nnn format assigned to each instance of a MISMO data
+
+point. For example: 1.001 for IntegratedDisclosureIssuedDate.
+
+9. MISMO v3.3.0 Context: In Appendix I excerpts, an abbreviated location of the data point within the MISMO
+v3.3.0 schema consisting of the container(s) closest to the data point. The expression “…/” indicates that
+these containers follow the rest of the XPath to the data point (see Figure 1).
+
+10. MISMO v3.3.0 Container Name. The term name of a complex XML data element that “holds” either other
+container(s) or data points/attributes, but not both at once. Container names used within the body of this
+document are presented in italicized upper case with an underscore between each word. For example:
+LOAN_DETAIL, LEGAL_ENTITY. If a container is a MISMO v3.3.0 EXTENSION, its name is preceded by “gse:”.
+
+Appendix E: UCD Implementation Guide
+
+Page 11 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+II. Document Structure
+
+11. MISMO v3.3.0 Data Point / Attribute Name: In Appendix I, the term name of the data point or attribute
+
+conveying the Form Field Entry on the Closing Disclosure. MISMO v3.3.0 data point or attribute names used
+within the body of this document are presented in italicized UpperCamelCase.3 For example:
+FeeTypeOtherDescription. Attribute names are preceded by “@”. If a data point is a MISMO v3.3.0
+EXTENSION, the data point name is preceded by “gse:”. If an attribute is an EXTENSION, “@” is followed
+immediately by “gse:” For example: “@gse:”.
+
+12. MISMO v3.3.0 enumerations or valid values used within the body of this document are presented double
+quotes in italicized UpperCamelCase. Enumerations are often preceded by their data point name and the
+equals sign (=). For example: FeeType = “CreditReportFee”.
diff --git a/chunks/txt/a6f28077993c7ea58c1070ab7560ba0aba4446167cbf06cda7aca2272b7333ea.txt b/chunks/txt/a6f28077993c7ea58c1070ab7560ba0aba4446167cbf06cda7aca2272b7333ea.txt
new file mode 100644
index 0000000000000000000000000000000000000000..60b78865a361f91c31f5ed6e49495c4b7fbe5fcc
--- /dev/null
+++ b/chunks/txt/a6f28077993c7ea58c1070ab7560ba0aba4446167cbf06cda7aca2272b7333ea.txt
@@ -0,0 +1,35 @@
+[Freddie Mac Single Security and Common Securitization Platform (CSP) Web page​](https://capitalmarkets.freddiemac.com/mbs/mortgage-securities/faqs)
+
+[Image
+
+![Timeline Thumbnail Ellipses 2017](/sites/default/files/styles/large/public/2023-05/Timeline_thumbnail_ellipses_2017.png?itok=kcJVGAuV)](/media/52341)
+
+*As of June 3, 2019.*
+
+*View*[*printable PDF of Timeline*](/document/ssi-csp-timeline.pdf)
+
+[Image
+
+![Deemed Issuance Ratio Table](/sites/default/files/styles/large/public/2023-05/Deemed-Issuance-Ratio-Table_2.png?itok=Q3Ai0Kpa)](/node/2541) *As of November 30, 2020.*
+
+*View [Deemed-Issuance Ratio for Internal Revenue Code (IRC) Section 817(h)](/policy/deemed-issuance-ratio)*
+
+*View [printable PDF of Deemed-Issuance Ratio](/document/deemed-issuance-ratio-2021)*
+
+- **[Video - Single Security Initiative](/news/videos/preparing-for-the-single-security)**
+
+[Image
+
+![ssi csp video thumbnail](/sites/default/files/styles/landscape_large_520_x_390_/public/2023-12/ssi-csp_video_thumbnail.png?h=666a669e&itok=o_C3uwiU)](/news/videos/preparing-for-the-single-security)
+
+- **[Implementation Schedule](/media/33576)**
+
+[Image
+
+![Illustrative Implementation Schedule](/sites/default/files/styles/large/public/2023-05/Illustrative_Implementation_Schedule_1.png?itok=SJ9nPDGW)](/media/33576)
+
+**Related Documents:**
+
+**2017**
+
+FHFA News Release: [FHFA Announces Timing for Implementation of Release 2 of the Common Securitization Platform](/news/news-release/fhfa-announces-timing-for-implementation-of-release-2-of-the-common-securitization-platform) (03/23/2017)
diff --git a/chunks/txt/a6f75bab59b470b44a1218c26dc16bf4228bd975eff57b9d133c50142b677841.txt b/chunks/txt/a6f75bab59b470b44a1218c26dc16bf4228bd975eff57b9d133c50142b677841.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9b949545b111cdef318e0f78be2e120ea5f3255b
--- /dev/null
+++ b/chunks/txt/a6f75bab59b470b44a1218c26dc16bf4228bd975eff57b9d133c50142b677841.txt
@@ -0,0 +1,111 @@
+Indicates that the zoning regulations allow
+the property to rebuild to the current
+density.
+
+/VALUATION_RESPONSE/PROPERTY/SITE[@_ZoningPermitRebuildToCurr
+entDensityIndicator='Y']
+
+1
+
+Boolean
+
+Implementation Notes
+
+Conditionality Description
+
+Data Field
+Conditionality
+1073/465
+
+Data Field
+Conditionality 1073
+Hybrid/465H
+
+Data Field
+Conditionality 1073
+Desktop/465D
+
+95
+
+PROJECT SITE
+
+Do the zoning regulations
+permit rebuilding to current
+density?
+No
+
+Site Zoning Permit
+Rebuild To
+Current Density
+Indicator
+
+Indicates that the zoning regulations allow
+the property to rebuild to the current
+density.
+
+/VALUATION_RESPONSE/PROPERTY/SITE[@_ZoningPermitRebuildToCurr
+entDensityIndicator='N']
+
+PROJECT SITE
+
+Zoning Compliance
+No Zoning
+
+Site Zoning
+Compliance Type
+
+Indicates the level of compliance of the
+subject Site to zoning regulations.
+
+/VALUATION_RESPONSE/PROPERTY/SITE[@_ZoningComplianceType='No
+Zoning']
+
+PROJECT SITE
+
+Zoning Compliance
+Illegal
+
+Site Zoning
+Compliance Type
+
+Indicates the level of compliance of the
+subject Site to zoning regulations.
+
+/VALUATION_RESPONSE/PROPERTY/SITE[@_ZoningComplianceType='Ille
+gal']
+
+1
+
+13
+
+13
+
+Boolean
+
+Enumerated
+
+Enumerated
+
+PROJECT SITE
+
+Zoning Compliance
+Illegal (describe)
+
+Site Zoning
+Compliance
+Description
+
+A free-form text field describing any
+issues concerning how the site complies
+with zoning regulations including
+limitations on future development.
+
+/VALUATION_RESPONSE/PROPERTY/SITE/@_ZoningComplianceDescriptio
+n
+
+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/a6fcdd59f36a6cdc3241d703c71a190b070ee341862433a04a6f41bccda4c7da.txt b/chunks/txt/a6fcdd59f36a6cdc3241d703c71a190b070ee341862433a04a6f41bccda4c7da.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1c65a6c3a5ff273f06b44e8640b374632f638678
--- /dev/null
+++ b/chunks/txt/a6fcdd59f36a6cdc3241d703c71a190b070ee341862433a04a6f41bccda4c7da.txt
@@ -0,0 +1,9 @@
+**Man-in-the-Middle** – Man-in-the-middle attacks involve an attacker intercepting communication between two parties either to secretly eavesdrop or modify traffic traveling between the victims. Attackers commonly use man-in-the-middle attacks to steal login credentials, personal or financial information, spy, sabotage communications, or corrupt data.
+
+**Phishing** – Posing as a legitimate institution, fraudsters contact a target via email, telephone, or text message to lure individuals into providing sensitive data such as financial data, personally identifiable information, passwords, or other data such as mortgage information.
+
+**SIM Swap Attack** – Fraudsters deceive a mobile phone carrier into transferring a user's phone number to a fraudster's SIM card, allowing attacker to access a variety of information linked to a victim's mobile phone. SIM Swap is particularly dangerous if combined with misappropriated victim login credentials where the victim’s phone number is used to access sensitive data via dual factor authentication.
+
+**SQL Injection**– A SQL injection is a type of security exploit in which the attacker adds Structured Query Language (SQL) code to a web form input box to gain access to unauthorized resources or make changes to sensitive data. The SQL query requests that some malicious action is performed on the database and may expose intellectual property, the personal or financial information of customers, administrative credentials, or private business details.
+
+**Supply Chain Attack** – Supply chain attacks target less secure elements of a victim’s software or hardware supply chain network, typically by tampering with the manufacturing process of a product by installing a rootkit or hardware-based spying components. Supply chain attacks may target login credentials, personal or financial information, private communications, or sensitive data.
diff --git a/chunks/txt/a7023f501a3f5b15b4839bec27e6c2fed06e9622726734ea6ea08e9a3d0b5b77.txt b/chunks/txt/a7023f501a3f5b15b4839bec27e6c2fed06e9622726734ea6ea08e9a3d0b5b77.txt
new file mode 100644
index 0000000000000000000000000000000000000000..06a9c515d17b5f69dac20aa4590414eee92cdebc
--- /dev/null
+++ b/chunks/txt/a7023f501a3f5b15b4839bec27e6c2fed06e9622726734ea6ea08e9a3d0b5b77.txt
@@ -0,0 +1,56 @@
+/VALUATION_RESPONSE/PROPERTY/@_City
+
+10
+
+1
+
+9
+
+SUBJECT
+
+State
+
+Property State
+
+The state in which the subject property is
+located.
+
+/VALUATION_RESPONSE/PROPERTY/@_State
+
+The allowable values are listed below. When representing these values in the XML file,
+they must be shown exactly as they appear below:
+
+Allowable Value
+FNM1004
+FNM1073
+FNM1075
+FNM2055
+
+Note: the values shown above are Fannie Mae form numbers. The comparable forms
+are:
+Fannie Mae 1004/ Freddie Mac 70
+Fannie Mae 2055/ Freddie Mac 2055
+Fannie Mae 1073/ Freddie Mac 465
+Fannie Mae 1075/ Freddie Mac 466
+All addenda must be included in a single embedded file. The embedded file must be in
+Portable Document Format (.pdf) with Base64 encoding.
+This field occurs on every page of the form and must be consistent. The placement of
+the header on the form varies from vendor to vendor. The print reference placement on
+Appendix C is not required and is for illustrative purposes only.
+
+This field occurs on every page of the form and must be consistent. The placement of
+the header on the form varies from vendor to vendor.
+
+This field may not exist in all forms vendor
+software.
+
+This field occurs on every page of the form and must be consistent. The placement of
+the header on the form varies from vendor to vendor. The print reference placement on
+Appendix C is not required and is for illustrative purposes only.
+
+This field may not exist in all forms vendor
+software.
+
+This field occurs on every page of the form and must be consistent. The placement of
+the header on the form varies from vendor to vendor. The print reference placement on
+Appendix C is not required and is for illustrative purposes only.
diff --git a/chunks/txt/a7204ebae6f5d56c6b623bfb3894113b83d6f9acf3b3d96182e8d9a0b535bcf4.txt b/chunks/txt/a7204ebae6f5d56c6b623bfb3894113b83d6f9acf3b3d96182e8d9a0b535bcf4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..810dc56058c01fbdcb070e49d0dc131fcf8cfc2f
--- /dev/null
+++ b/chunks/txt/a7204ebae6f5d56c6b623bfb3894113b83d6f9acf3b3d96182e8d9a0b535bcf4.txt
@@ -0,0 +1,70 @@
+Site Exhibits
+
+Property Access (Street Scene) - Public Street
+
+Site Influence - Agricultural
+
+This is where the Property Access photo would display.
+
+This is where the Site Influence photo would display.
+
+View - Pastoral
+
+This is where the View photo would display.
+
+Energy Efficient and Green Features
+
+Renewable Energy Component
+Solar
+
+Ownership
+Leased
+
+Known Building Certifications
+
+None
+
+Green/Energy Efficiency Rating
+Organization
+RESNET
+
+DOE
+
+Rating
+HERS
+
+Home Energy Score
+
+Financing Arrangement
+
+Score
+65
+
+7
+
+Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 5 of 23
+
+Energy Efficient and Green Features (continued)
+
+Check #A
+
+Energy Efficient and Green Features Impact to Value/Marketability
+
+Impact to Value/Marketability
+
+Neutral
+
+Description The solar panels are leased and therefore not considered part of the real property. The lease is transferable when the subject is
+sold, however there is no measurable impact on value or marketability as the decision to transfer the lease would be the personal preference
+of any purchaser of the property.
+
+Energy Efficient and Green Features Commentary
+
+The Energy Efficiency Ratings and Certifications for the subject and comparables have been considered in the reconciliation and final opinion
+of market value for the subject. The subject and comparable sales #1 - #3 have all undergone recent updates and remodels using more recent
+energy efficient components and methods than when they were originally constructed. Analysis of the data available indicates there is no
+measurable impact on market value.
diff --git a/chunks/txt/a72193f88ee38a04528ba5a6c069ba92c0f38a27a6a338dbcfec41c5560180d9.txt b/chunks/txt/a72193f88ee38a04528ba5a6c069ba92c0f38a27a6a338dbcfec41c5560180d9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dc94a689d14b3442f9aa158db6756573b1603977
--- /dev/null
+++ b/chunks/txt/a72193f88ee38a04528ba5a6c069ba92c0f38a27a6a338dbcfec41c5560180d9.txt
@@ -0,0 +1,110 @@
+The HMDA instructions do
+
+distinguish, for purposes of some data
+elements, between insured depository
+institutions that are loan purchasers and
+those that are loan originators. Fannie
+Mae and Freddie Mac, because they are
+not insured depository institutions, do
+not have any status under HMDA, either
+as originators or as purchasers. But they
+are, as a result of their activities, in
+possession of HMDA data elements for
+the loans that they purchase. In its role
+as the agency charged with
+administering the Safety and Soundness
+Act, FHFA, by this Order, is identifying
+the data elements that must be reported
+and included in the PUDB. Since the
+Enterprises have been collecting and
+reporting single-family lien status data,
+FHFA is requiring the Enterprises to
+continue reporting that data for
+inclusion in new data field 59 for lien
+status in the single-family Census Tract
+File. FHFA has populated the data field
+using the lien status data reported for
+data field 22 (purpose of loan), and will
+do the same for subsequent years.
+
+2. Data Elements Currently Collected
+and Reported But Not Previously
+Included in the PUDB
+
+a. Single-Family Data Field 56: Rate
+Spread
+
+This new data field designates the
+
+difference between the annual
+
+VerDate Mar<15>2010 16:53 Jul 14, 2010 Jkt 220001 PO 00000 Frm 00046 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
+
+41185
+
+percentage rate (APR) and the
+applicable Treasury rate (see the Truth
+in Lending regulations at 12 CFR part
+226 (Regulation Z)) for single-family
+mortgages purchased by the Enterprises.
+The Enterprises have been reporting rate
+spread data for single-family mortgages,
+but this data was not previously
+included in the PUDB. Fannie Mae
+requested that the PUDB include ‘‘not
+applicable’’ as an allowable value for the
+single-family rate spread data field, on
+the basis that HMDA does not require
+the disclosure of rate spread information
+for single-family rate spreads falling
+below specified thresholds (equal to or
+greater than 3 percentage points for first
+lien loans, or 5 percentage points for
+subordinate lien loans). In addition,
+Fannie Mae stated that HMDA does not
+require purchasers to disclose rate
+spread information. Freddie Mac
+expressed similar views.
diff --git a/chunks/txt/a72c7d6086d84f0e34d613ac61247251c19fe399cd0b56f4bd97c5da38353f96.txt b/chunks/txt/a72c7d6086d84f0e34d613ac61247251c19fe399cd0b56f4bd97c5da38353f96.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5f5b9b9c20fc9253c4325348b24928758dc25f00
--- /dev/null
+++ b/chunks/txt/a72c7d6086d84f0e34d613ac61247251c19fe399cd0b56f4bd97c5da38353f96.txt
@@ -0,0 +1,73 @@
+FHFA the mortgage data elements
+required to populate the data fields
+described in the single-family and
+multifamily matrices for inclusion in
+the 2018 PUDB no later than four weeks
+from the date of this Order, pursuant to
+instructions issued by FHFA staff, and
+shall provide such data elements
+annually thereafter to FHFA for future
+PUDBs in accordance with applicable
+FHFA regulations and any additional
+instructions issued by FHFA staff;
+3. This Order modifies the FHFA
+Order on the Public Use Database for
+Enterprise Mortgage Purchases, dated
+July 1, 2010 (75 FR 41180, 41189) (July
+15, 2010), and the FHFA Order on
+Revisions to Enterprise Public Use
+Database Incorporating High-Cost
+Single-Family Securitized Loan Data
+Fields and Technical Data Field
+Changes, dated Sept. 21, 2011 (76 FR
+60031, 60036) (Sept. 28, 2011); and
+
+4. A new 2018 PUDB shall be released
+
+by FHFA containing the data elements
+
+for loans acquired by the Enterprises in
+2018 added by this Order, replacing the
+interim PUDB released on September
+23, 2019, which does not include the
+new HMDA data elements or Duty to
+Serve geographic indicators.
+
+It is so ordered, this the 27th day of
+
+May, 2020.
+
+This Order is effective immediately.
+
+Signed at Washington, DC, this 27th day of
+
+May, 2020.
+Mark A. Calabria,
+Director, Federal Housing Finance Agency.
+[FR Doc. 2020–11819 Filed 6–2–20; 8:45 am]
+
+BILLING CODE 8070–01–P
+
+FEDERAL MARITIME COMMISSION
+
+Notice of Agreements Filed
+
+The Commission hereby gives notice
+of the filing of the following agreements
+under the Shipping Act of 1984.
+Interested parties may submit
+comments, relevant information, or
+documents regarding the agreements to
+the Secretary by email at Secretary@
+fmc.gov, or by mail, Federal Maritime
+Commission, Washington, DC 20573.
+Comments will be most helpful to the
+Commission if received within 12 days
+of the date this notice appears in the
+Federal Register. Copies of agreements
+are available through the Commission’s
+website (www.fmc.gov) or by contacting
+the Office of Agreements at (202) 523–
+5793 or tradeanalysis@fmc.gov.
+Agreement No.: 012426–005.
+Agreement Name: The OCEAN
diff --git a/chunks/txt/a72edb42174f94eccf1dfbcd6b3253794df75136d54f76a7a877aa267c0506e1.txt b/chunks/txt/a72edb42174f94eccf1dfbcd6b3253794df75136d54f76a7a877aa267c0506e1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ea3dae7832e3ef3ffaa539b83dcf246c512e67ea
--- /dev/null
+++ b/chunks/txt/a72edb42174f94eccf1dfbcd6b3253794df75136d54f76a7a877aa267c0506e1.txt
@@ -0,0 +1,88 @@
+Comparable Has
+Prior Sales Indicator
+
+Indicates whether the comparable property
+has prior sales history.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/RESEARCH/COMPARABLE[@_HasPriorSalesIndicator='Y']
+
+Comparable Has
+Prior Sales Indicator
+
+Indicates whether the comparable property
+has prior sales history.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/RESEARCH/COMPARABLE[@_HasPriorSalesIndicator='N']
+
+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
+
+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
+
+PRIOR SALE
+HISTORY
+
+Price of Prior Sale/Transfer
+SUBJECT
+
+Property Sales
+Amount
+
+The sales price of the referenced property.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/PRIOR_SALES/@
+PropertySalesAmount
+
+1
+
+1
+
+150
+
+1
+
+1
+
+150
+
+10
+
+9
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+
+String
+
+This field should indicate the data sources for the subject prior sale history.
diff --git a/chunks/txt/a73d24272702ff38211389f96e731b515e289fa99cbac4170dad9d82e3249f19.txt b/chunks/txt/a73d24272702ff38211389f96e731b515e289fa99cbac4170dad9d82e3249f19.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2da8b699974c00768d69fab21ca213cfafd57625
--- /dev/null
+++ b/chunks/txt/a73d24272702ff38211389f96e731b515e289fa99cbac4170dad9d82e3249f19.txt
@@ -0,0 +1,23 @@
+Population Aggregation/ Geographic Level Metric Link Latest Update Enterprise AUS Mortgage Loan Applications Quarterly National Time Series Accept Rate [Quarterly National Enterprise Accept Rates](/data/dashboard/enterprise-aus-quarterly-national-accept-rate) 4/29/2024 Enterprise AUS Mortgage Loan Applications Quarterly National Time Series Accept Rate Gap [Quarterly National Enterprise Accept Rate Gaps](/data/dashboard/enterprise-aus-quarterly-national-accept-rate-gap) 4/29/2024 Enterprise AUS Mortgage Loan Applications Quarterly National Time Series Accept Rate Ratio [Quarterly National Enterprise Accept Rate Ratio](/data/dashboard/enterprise-aus-quarterly-national-accept-rate-ratio) 4/29/2024 Enterprise Loan Acquisitions and Fundings Quarterly National Time Series Share of Loan Acquisitions [Quarterly Acquisition Share](/data/dashboard/enterprise-quarterly-national-share-of-loan-acquisitions) 4/29/2024 **Download**: [Fair Lending aggregate data and documentation](/document/fair-lending-data-files) [ZIP - 266 KB]
+
+Page Last Updated: February 21, 2024​​​​​​
+
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
diff --git a/chunks/txt/a73f3ed5f74e2cac8352278cdb279411867fc69032bbedb58b5249dbc747e120.txt b/chunks/txt/a73f3ed5f74e2cac8352278cdb279411867fc69032bbedb58b5249dbc747e120.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7b1c548110deadde77fd34633f52ab978ffab269
--- /dev/null
+++ b/chunks/txt/a73f3ed5f74e2cac8352278cdb279411867fc69032bbedb58b5249dbc747e120.txt
@@ -0,0 +1,29 @@
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
+
+## Footer
+
+- [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
+
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"node\/2541","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/a753b64b653d4d1907123695b3d99bcd9a05d7c10c7fc8194124bb4f8a0a3409.txt b/chunks/txt/a753b64b653d4d1907123695b3d99bcd9a05d7c10c7fc8194124bb4f8a0a3409.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5d56c9119d6b152c644909e6fbd713809d6aa2e9
--- /dev/null
+++ b/chunks/txt/a753b64b653d4d1907123695b3d99bcd9a05d7c10c7fc8194124bb4f8a0a3409.txt
@@ -0,0 +1,113 @@
+Display “FHA Appraiser ID” when
+GovernmentAgencyAppraisalType ="FHA"
+Display “VA Appraiser ID” when
+GovernmentAgencyAppraisalType = "VA"
+
+Display when GovernmentAgencyAppraisalType = "VA"
+Always displays report label when
+
+GovernmentAgencyAppraisalType = “VA”
+
+Supervisory Appraiser
+
+Information about the Supervisory Appraiser, PartyRoleType (UID: 2200.0085, FID: Not on report) = “AppraiserSupervisor” displays when provided. If there
+is no Supervisory Appraiser, the subsection does not display.
+
+Note: To easily find data points in the Completion Report Specification, search for
+“Supervisory Appraiser” under the “Additional Context” column.
+
+Page 45
+
+Assignment Information: Contact Information – Supervisory Appraiser
+
+Report
+Field ID
+
+Report Label
+
+Unique ID MISMO Data Point Name
+
+08.028
+
+Name
+
+2200.0137 FirstName
+
+2200.0139 MiddleName
+
+2200.0138
+
+LastName
+
+2200.0140 SuffixName
+
+08.029
+
+Designation
+
+2400.0486 AppraiserDesignationType
+
+08.030
+
+Company Name
+
+2400.0482 AppraiserCompanyName
+
+08.031
+
+Company Address
+
+2400.0477 AddressLineText
+
+2400.0478 CityName
+
+2400.0480 StateCode
+
+2400.0479 PostalCode
+
+Scope of Inspection by Supervisory Appraiser
+
+Subject Property Inspection
+
+Display Rules
+
+When PartyRoleType (UID: 2200.0085, FID: Not on report) =
+“AppraiserSupervisor” …
+
+… displays
+
+Display when provided
+
+… displays
+
+Display when provided
+
+Display when provided
+
+… displays
+
+… displays
+
+… displays
+
+… displays
+
+… displays
+
+… displays
+
+08.032
+
+Exterior
+
+08.033
+
+Interior
+
+2400.0511 PropertyExteriorInspectionMethodType
+
+… displays
+
+2400.0512 PropertyInteriorInspectionMethodType
+
+… displays
diff --git a/chunks/txt/a755e7a38c7c51427d1382095c3adc783a988c70b112deea569fdfe252ce27c8.txt b/chunks/txt/a755e7a38c7c51427d1382095c3adc783a988c70b112deea569fdfe252ce27c8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7a252a56a1f53e16704a17704f197d532513152d
--- /dev/null
+++ b/chunks/txt/a755e7a38c7c51427d1382095c3adc783a988c70b112deea569fdfe252ce27c8.txt
@@ -0,0 +1,54 @@
+2025-002
+
+22 Sales
+Comparison
+Approach
+
+Corrected the ‘Allowable Answers / Format’ column:
+• Additional Row in the Unit(s) subsection (22.07.14, 22.07.44)
+• Amenity Type for Outdoor Accessories (22.12.01, 22.12.06)
+• Amenity Type for Outdoor Living (22.12.02, 22.12.08)
+• Amenity Type for Water Features (22.12.03, 22.12.10)
+• Amenity Type for Whole Home (22.12.04, 22.12.12)
+• Amenity Type for Miscellaneous (22.12.05, 22.12.14)
+Clarified the ‘Definition / Additional Guidance’ column:
+• Amenity Count for Whole Home (22.12.04, 22.12.12)
+
+2025-042
+
+Corrected text in Water Frontage with Private Access and corrected the ‘When to Include for each Comparable’ column for
+Property Has Private Access Rights to the Body of Water to align with Appendix A-1.
+
+24 Income
+Approach
+
+2025-015 Corrected the Grayed Out Cells snippet for Proximity to Subject less than one mile.
+
+2025-002 Clarified the ‘Definition / Additional Guidance’ column for Gross Monthly Rent (24.007-24.019).
+
+2025-038 Clarified the ‘Definition / Additional Guidance’ column for Effective Date of Appraisal (26.011).
+
+26: Reconciliation
+
+2025-053 Corrected the REO snippet for Examples: Client Requested Conditions to remove Contract Price.
+
+29 Certifications
+and Scope of Work
+
+Appendix 3: ANSI
+Examples
+
+Appendix 4:
+Detached Garage
+Examples
+
+2025-002 Corrected the ‘Definition / Additional Guidance’ column for Reconciliation of Market Value (26.019).
+
+2025-036
+
+See Appendix C-1 for all possible Certifications and Scope of Work text that may display.
+
+2025-011
+
+Example 1: Corrected the Unit Interior snippet to display Below Grade Exterior Access as Walk Up, and added example of
+Sales Comparison Approach.
diff --git a/chunks/txt/a76299f46b615da3d34b0f062bb30bf4ccbd19bce4e67d34ff8fc5b88e903b24.txt b/chunks/txt/a76299f46b615da3d34b0f062bb30bf4ccbd19bce4e67d34ff8fc5b88e903b24.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ec81a1b26956f5221698bbff96b39af78cf763bb
--- /dev/null
+++ b/chunks/txt/a76299f46b615da3d34b0f062bb30bf4ccbd19bce4e67d34ff8fc5b88e903b24.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
+
+![Laptop with various financial graph overlay](/sites/default/files/styles/desktop_hero/public/2023-09/fintech-web_0.jpg.webp?h=344087a7&itok=vAQnZQAS)
+
+# Financial Technology (FinTech)
+
+## Breadcrumb
+
+- [Home](/)
+ - [Programs](/programs)
+ - Financial Technology (FinTech)
diff --git a/chunks/txt/a76ba6f8ec502209f9e22d3e88c9b423006df2f7757a45e6cdaa661cf5560b82.txt b/chunks/txt/a76ba6f8ec502209f9e22d3e88c9b423006df2f7757a45e6cdaa661cf5560b82.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0a4d7e297f567ec429c45b36cc78f2b3a0d8f616
--- /dev/null
+++ b/chunks/txt/a76ba6f8ec502209f9e22d3e88c9b423006df2f7757a45e6cdaa661cf5560b82.txt
@@ -0,0 +1,20 @@
+This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value,
+statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended
+use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may
+expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal
+assignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do
+not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser’s
+continuing education or membership in an appraisal organization, are permitted.
+
+SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the
+reporting requirements of this appraisal report form, including the following definition of market value, statement of
+assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a visual inspection of
+the exterior areas of the subject property from at least the street, (2) inspect the neighborhood, (3) inspect each of the
+comparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources,
+and (5) 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.
diff --git a/chunks/txt/a790f9495ee24f71d5777fc111ba95ec3c6de47bfc9b6c040ad1210763ce9517.txt b/chunks/txt/a790f9495ee24f71d5777fc111ba95ec3c6de47bfc9b6c040ad1210763ce9517.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4c0bde73a871be5b26376ad384fc9d4680669b30
--- /dev/null
+++ b/chunks/txt/a790f9495ee24f71d5777fc111ba95ec3c6de47bfc9b6c040ad1210763ce9517.txt
@@ -0,0 +1,26 @@
+Uniform Closing Dataset Integration Impact Memo
+B2B Gateway Cloud Migration
+
+Dear Integrated Partner,
+
+Effective Sept. 30, 2022, Fannie Mae will migrate the B2B Gateway from an on-premise application to the cloud. This migration
+will require new IP addresses and implement security protocols that all integrated partners must follow to ensure successful
+Uniform Closing Dataset (UCD) XML file submissions to the UCD Collection Solution.
+
+July 13, 2022
+
+Please ensure there are adequate resources within your company to test file submissions to the UCD Collection Solution before
+the B2B cloud migration implementation date to prevent any business impacts to the loan delivery process. External user testing
+will be available later this month.
+
+We will provide details on the new IP addresses and testing requirements in the coming weeks.
+
+Additional information
+Please contact your account representative for assistance or submit your questions to our UCD Integration mailbox: ucd-
+integration@fanniemae.com. For more information on UCD, visit the Fannie Mae UCD and UCD Collection Solution pages.
+
+© 2022 Fannie Mae.
+
+Confidential - Internal Distribution
+
+7.7.2022 1 of 1
diff --git a/chunks/txt/a79cbe6534e06150d913f07b6affb8a78fbfcb06ee73c53fd619eb2f07c862b3.txt b/chunks/txt/a79cbe6534e06150d913f07b6affb8a78fbfcb06ee73c53fd619eb2f07c862b3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..82abb149b0d2ea2371ff8312fc5753344356e506
--- /dev/null
+++ b/chunks/txt/a79cbe6534e06150d913f07b6affb8a78fbfcb06ee73c53fd619eb2f07c862b3.txt
@@ -0,0 +1,69 @@
+Extra Item Feature Description
+
+Extra Item Feature Name
+
+Extra Item Feature 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.)
+
+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='Other'][1]/@_Description
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD
+JUSTMENT[@_Type='Other'][2]/@_TypeOtherDescription
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD
+JUSTMENT[@_Type='Other'][2]/@_Description
+
+Extra Item Feature Name
+
+Sale Price
+Adjustment Type
+Other Description
+
+A free form text field used to capture
+additional information when Other is
+selected for Sale Price Adjustment Type.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD
+JUSTMENT[@_Type='Other'][3]/@_TypeOtherDescription
+
+Extra Item Feature 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.)
diff --git a/chunks/txt/a7a18d2f9b59dba1abc5060a36df24bdc1dc457e10e470b1c19445b7032da2f5.txt b/chunks/txt/a7a18d2f9b59dba1abc5060a36df24bdc1dc457e10e470b1c19445b7032da2f5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a5d3aa0f3bb25fe9963095cfe0f8187ec43918f2
--- /dev/null
+++ b/chunks/txt/a7a18d2f9b59dba1abc5060a36df24bdc1dc457e10e470b1c19445b7032da2f5.txt
@@ -0,0 +1,170 @@
+No jurisdiction need be identified for Recording Fees. Follow steps 3 and 4 above to complete the line item.
+
+Appendix E: UCD Implementation Guide
+
+Page 127 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+8.0 Other Costs Table
+
+Figure 82. Taxes and Other Government Fees
+
+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 FEE
+
+8.2.1 Deed: ($)
+
+…/FEE/FEE_DETAIL
+
+FeeActualTotalAmou
+nt
+
+40.00
+
+ROF as “$40.00”
+
+8.2 Deed:
+
+8.2 N/A – XML
+
+FeeType
+
+RecordingFeeForDee
+d
+
+ROF as “Deed:”
+
+IntegratedDisclosure
+SectionType
+
+TaxesAndOtherGover
+nmentFees
+
+8.2.1 Mortgage: ($)
+
+…/FEE/FEE_DETAIL
+
+FeeActualTotalAmou
+nt
+
+45.00
+
+ROF as “$45.00”
+
+Second Instance of FEE
+
+8.2 Mortgage:
+
+8.2 N/A – XML
+
+8.2
+
+Recording Fees
+
+8.2 N/A - XML
+
+8.2.2 Recording Fees -
+Borrower-Paid At
+Closing ($)
+
+8.2.2 Borrower-Paid
+
+8.2.2 At Closing
+
+FeeType
+
+RecordingFeeForMor
+tgage
+
+ROF as “Mortgage:”
+
+IntegratedDisclosure
+SectionType
+
+TaxesAndOtherGover
+nmentFees
+
+Third Instance of FEE
+
+…/FEE/FEE_DETAIL
+
+FeeType
+
+RecordingFeeTotal
+
+ROF as “Recording
+Fees”
+
+IntegratedDisclosure
+SectionType
+
+TaxesAndOtherGover
+nmentFees
+
+…/FEE/FEE_PAYMEN
+TS/FEE_PAYMENT
+
+FeeActualPaymentA
+mount
+
+85.00
+
+ROF as “$85.00”
+
+FeePaymentPaidByTy
+pe
+
+Buyer
+
+FeePaymentPaidOuts
+ideOfClosingIndicator
+
+false
+
+Fourth Instance of FEE
+
+ROF as “Borrower-
+Paid”
+
+ROF as “At Closing”
+
+8.3
+
+Transfer Taxes
+
+…/FEE/FEE_DETAIL
+
+FeeType
+
+TransferTaxTotal
+
+8.3
+
+Transfer Taxes
+
+8.3 N/A - XML
+
+8.3.1 Transfer Taxes to
+State of Maryland
+
+…/FEE/FEE_PAID_TO
+/LEGAL_ENTITY/LEGA
+L_ENTITY_DETAIL
+
+@gse:DisplayLabelTe
+xt
diff --git a/chunks/txt/a7a8d0035a6ed793f7b4a372fc1d6b8b25cef7a503b53bdc3c627c3cbfd7bd93.txt b/chunks/txt/a7a8d0035a6ed793f7b4a372fc1d6b8b25cef7a503b53bdc3c627c3cbfd7bd93.txt
new file mode 100644
index 0000000000000000000000000000000000000000..93c4ef9c8e0aea12a2a2176911e828bb4c31a070
--- /dev/null
+++ b/chunks/txt/a7a8d0035a6ed793f7b4a372fc1d6b8b25cef7a503b53bdc3c627c3cbfd7bd93.txt
@@ -0,0 +1,33 @@
+Example III-2. MISMO LDD Data Point Definitions.
+
+Data Point: PriceLockDateTime
+Definition: The date and time on which the agreement to lock a price was made.
+
+Notes: The MISMO definition is non-specific as this term could be used in a variety of
+industry processes. Business partners need to provide detailed guidance on
+how to interpret and use data points that are so broadly defined.
+
+8 The following MEGs govern the format and naming of LDD Term Names (approved acronyms, data points, valid
+values, and containers) and can be selected from the MISMO Web site at http://www.mismo.org/specs/v30-
+candidate-recommendation.html: MEG 0008a_v1_2 (List of Approved Acronyms), MEG 0011 v1.0 (Term Name
+Structure), and MEG 0021 v1.1 (Term Name, Enumerated Value & Container Name Representation).
+
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 9 of 76
+
+Section III. Using the MISMO v3.0 Logical Data Dictionary
+
+a. Calculated Results Fields
+
+Some MISMO definitions end with the phrase, “CALCULATED RESULTS
+FIELD.” This designation means that the associated data point can be calculated
+(as described in the definition) from other data points existing in the LDD.
+Calculated Results Fields are designated so that they can be used by business
+partners who may not have access to the required component data points or whose
+downstream systems do not require use of the component data points.9 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.
diff --git a/chunks/txt/a7b0043f8bbce9fb8288f3aef0513b8ab5ced28a0b2741ea825fc7c0dd5b05f6.txt b/chunks/txt/a7b0043f8bbce9fb8288f3aef0513b8ab5ced28a0b2741ea825fc7c0dd5b05f6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..46560d6e682a79d5671222a971fbc699bf006974
--- /dev/null
+++ b/chunks/txt/a7b0043f8bbce9fb8288f3aef0513b8ab5ced28a0b2741ea825fc7c0dd5b05f6.txt
@@ -0,0 +1,85 @@
+</FEE_PAYMENT>
+ </FEE_PAYMENTS>
+</FEE>
+
+<!-- E. Taxes and Other Government Fees – Recording Fee for Deed -->
+
+<FEE>
+ <FEE_DETAIL>
+
+<FeeActualTotalAmount>40.00</FeeActualTotalAmount>
+ <IntegratedDisclosureSectionType>TaxesAndOtherGovernmentFees</IntegratedDisclosureSectionType>
+ <EXTENSION>
+ <OTHER>
+
+<ucd:FEE_DETAIL_EXTENSION>
+
+<ucd:FeeItemType>RecordingFeeForDeed</ucd:FeeItemType>
+
+</ucd:FEE_DETAIL_EXTENSION>
+
+</OTHER>
+ </EXTENSION>
+
+</FEE_DETAIL>
+ </FEE>
+
+<!-- E. Taxes and Other Government Fees – Recording Fee for Mortgage -->
+
+<FEE>
+ <FEE_DETAIL>
+
+<FeeActualTotalAmount>45.00</FeeActualTotalAmount>
+ <IntegratedDisclosureSectionType>TaxesAndOtherGovernmentFees</IntegratedDisclosureSectionType>
+ <EXTENSION>
+ <OTHER>
+
+<ucd:FEE_DETAIL_EXTENSION>
+
+<ucd:FeeItemType>RecordingFeeForMortgage</ucd:FeeItemType>
+
+</ucd:FEE_DETAIL_EXTENSION>
+
+</OTHER>
+ </EXTENSION>
+
+</FEE_DETAIL>
+ </FEE>
+
+<!-- E. Taxes and Other Government Fees – Recording Fee Total -->
+
+<FEE>
+ <FEE_DETAIL>
+ <IntegratedDisclosureSectionType>TaxesAndOtherGovernmentFees</IntegratedDisclosureSectionType>
+
+UCD v2.0 Implementation Guide
+
+- 99 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Figure 69. XML Snippet-Representative ucd:FeeItemType Line Item Data.
+
+<EXTENSION>
+ <OTHER>
+
+<ucd:FEE_DETAIL_EXTENSION>
+
+<ucd:FeeItemType>RecordingFeeTotal</ucd:FeeItemType>
+
+</ucd:FEE_DETAIL_EXTENSION>
+
+</OTHER>
+ </EXTENSION>
+ </FEE_DETAIL>
+ <FEE_PAYMENTS>
+<!-- Portion paid by Buyer -->
+ <FEE_PAYMENT>
+
+<FeeActualPaymentAmount>85.00</FeeActualPaymentAmount>
+ <FeePaymentPaidByType>Buyer</FeePaymentPaidByType>
+ <FeePaymentPaidOutsideOfClosingIndicator>false</FeePaymentPaidOutsideOfClosingIndicator>
diff --git a/chunks/txt/a7b97563f867af6ad436e0494a143f2398cf04e7b2c4473385d2b5583ffdcc14.txt b/chunks/txt/a7b97563f867af6ad436e0494a143f2398cf04e7b2c4473385d2b5583ffdcc14.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1fab40d58710ef251e73f099f88cc2e8c91aa9ec
--- /dev/null
+++ b/chunks/txt/a7b97563f867af6ad436e0494a143f2398cf04e7b2c4473385d2b5583ffdcc14.txt
@@ -0,0 +1,165 @@
+456 Something Rd
+
+Somewhere
+
+Fabricated
+
+12345
+
+VA
+
+PropertyPhoto
+
+\\Images\CR2_DwellingFront.png
+
+image/png
+
+Constructed Barn
+
+CompletedConstruction
+
+\\Images\CR2_Barn.png
+
+image/png
+
+Barn Floorplan
+
+ValuationCompletionExhibit
+
+\\Images\CR2_BarnFloorplan.png
+
+image/png
+
+2019-11-30
+
+Physical
+
+Physical
+
+Unreal Farm S.1 PCL.300201121002432 F-594-7 BLA 3573702301420 Use agreement 71
+
+D-124394
+
+Client
+
+VSRSP-658240
+
+ValuationSoftwareVendor
+
+A-1434525
+
+ManagementCompany
+
+false
+
+false
+
+SubjectToCompletionPerPlans
+
+\\Images\CR2_BarnDoor.png
+
+image/png
+
+Similar
+
+Exterior Barn Door
+
+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'.
+
+Exterior - north end and east side of the barn.
+
+Change in dimension of the door has no measurable impact on the utility of the barn or the subject property.
+
+true
+
+true
+
+false
+
+false
+
+AA12346
+
+2019-09-08
+
+770000
+
+AA23456
+
+Agatha Appraiser
+
+Empty Bank
+
+Completion Report Delivery Specification v1.3
+
+GAAPPL
+
+Great Appraisal Application
+
+2.4
+
+Great Appraisals, LLC
+
+Empty Bank
+
+200 Tree St
+
+Somewhere
+
+12346
+
+VA
+
+Lender
+
+Client
+
+IDK Appraisal Management Company
+
+300 Main Ave
+
+Somwhere
+
+12345
+
+VA
+
+2021-12-31
+
+XYZ352032
+
+VA
+
+ManagementCompany
+
+Agatha
+
+Appraiser
+
+123 Main St
+
+Nowhere
+
+12345
+
+VA
+
+WAS Appraisal
+
+CertifiedResidential
+
+2019-12-31
+
+XYZ12345
+
+VA
+
+Appraiser
+
+Bob
+
+Buyer
+
+Borrower
+
+Betty
diff --git a/chunks/txt/a7c0c2d2ddac7f43c4a18b4d5ed767081f7b7027729a9794a54c3e5a24620c05.txt b/chunks/txt/a7c0c2d2ddac7f43c4a18b4d5ed767081f7b7027729a9794a54c3e5a24620c05.txt
new file mode 100644
index 0000000000000000000000000000000000000000..69155e993ddb08b3a66835aeae07b654fe50a495
--- /dev/null
+++ b/chunks/txt/a7c0c2d2ddac7f43c4a18b4d5ed767081f7b7027729a9794a54c3e5a24620c05.txt
@@ -0,0 +1,34 @@
+Can aggregators and correspondents sell loans with UAD 3.6 appraisal reports to the GSEs
+during the Limited Production Period?
+
+Yes, aggregators and correspondents may sell loans using 3.6 appraisal reports to the GSEs provided they submit
+the Questionnaire and comply with UAD 3.6 policies during the Limited Production Period. If a correspondent
+doesn’t have a direct relationship with a GSE and will only sell to aggregators, they must ensure that their
+aggregator is both ready to accept UAD 3.6 appraisal reports and is approved to participate in the Limited
+Production Period.
+
+© 2025 Freddie Mac and Fannie Mae. Trademarks of respective owners.
+
+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.
+
+2 of 3
+
+Are aggregators required to submit UAD 3.6 appraisal reports directly to UCDP?
+
+No, but they must complete the Questionnaire and comply with each GSE’s UAD 3.6 policy. If an aggregator can’t
+answer “yes” to questions because they do not facilitate certain components of ordering/submitting the appraisal
+report, they must include in their response that their approval is limited to the aggregator channel of business.
+
+Next Steps
+
+I think I’m ready. What’s my next step?
+
+• Fill out the Lender Readiness Questionnaire confirming you’ve done your internal testing, training, and
+
+process enhancements, to be able to start using UAD 3.6 appraisal reports.
+Notes:
+▪ Your readiness for the Limited Production Period will be evaluated on how completely you respond to
+the questionnaire. You are expected to answer “yes” to all required actions. If you select “no” because
+your company is not responsible for a specific action, your response will still be considered complete,
+but must be explained in the comments section.
diff --git a/chunks/txt/a7d2ecf365121bc1ab801e67bd9e217377dd233349a500d55739a398e667c268.txt b/chunks/txt/a7d2ecf365121bc1ab801e67bd9e217377dd233349a500d55739a398e667c268.txt
new file mode 100644
index 0000000000000000000000000000000000000000..777ef55c5bb1ab7930acf1b52afc0bac459126d0
--- /dev/null
+++ b/chunks/txt/a7d2ecf365121bc1ab801e67bd9e217377dd233349a500d55739a398e667c268.txt
@@ -0,0 +1,131 @@
+This is where the Manufacturer’s Invoice photo would display.
+
+Unit Interior
+
+Area Breakdown
+
+Finished Above Grade
+Unfinished Above Grade
+Finished Below Grade
+Unfinished Below Grade
+
+Area Data Source
+
+Level and Room Detail
+
+1,568 Sq. Ft.
+0 Sq. Ft.
+0 Sq. Ft.
+0 Sq. Ft.
+Physical Measurement
+Plans and Specs
+
+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
+1,568 Sq. Ft.
+
+Room Summary
+2 - Bath - Full
+3 - Bedroom
+1 - Dining Room
+1 - Kitchen
+1 - Living Room
+1 - Utility Room
+
+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 11 of 30
+Page 11 of 30
+
+Unit Interior (continued)
+
+Quality and Condition
+
+Interior Quality Rating
+
+Q4
+
+Interior Condition Rating
+
+C1
+
+The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report
+
+Kitchen and Bathroom Details
+
+Room
+Kitchen
+Level 1
+
+Bath - Full
+Level 1
+
+Bath - Full
+Level 1
+
+Update Status
+Fully Updated
+
+Time Frame
+Less than 1 year
+
+Fully Updated
+
+Less than 1 year
+
+Fully Updated
+
+Less than 1 year
+
+Quality Comment
+Upgraded counter tops,
+cabinets, and fixtures
+
+Upgraded cabinets and
+fixtures
+
+Upgraded cabinets and
+fixtures
+
+Condition Status
+New or Like New
+
+New or Like New
+
+New or Like New
+
+Condition Comment
+
+Overall Update Status for
+Bathrooms
+
+Fully Updated
+
+Interior Features
+
+Feature
+Flooring
+
+Walls and Ceiling
diff --git a/chunks/txt/a7d513abfd9a26d3f7f46e1e18abf0b4d066bcecaebd666b40c20e7d961458c5.txt b/chunks/txt/a7d513abfd9a26d3f7f46e1e18abf0b4d066bcecaebd666b40c20e7d961458c5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..544df4d4131509e4e0f19b78c5facc3de3900157
--- /dev/null
+++ b/chunks/txt/a7d513abfd9a26d3f7f46e1e18abf0b4d066bcecaebd666b40c20e7d961458c5.txt
@@ -0,0 +1,210 @@
+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 74 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
+
+455
+
+3
+
+60
+
+PROJECT
+INFORMATION
+
+PUD
+Are the units, common
+elements, and recreation
+facilities complete?
+No
+
+Project Common
+Elements Completed
+Indicator
+
+Indicates that the common elements
+and recreation facilities in the project
+are complete.
+
+/VALUATION_RESPONSE/PROPERTY/PRO
+JECT[@_CommonElementsCompletedIndicator
+='N']
+
+1
+
+Boolean
+
+456
+
+3
+
+61
+
+PROJECT
+INFORMATION
+
+PUD
+If no, describe the status
+of completion
+
+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/PRO
+JECT/@_CommonElementsStatusDescription
+
+4000
+
+String
+
+457
+
+3
+
+62
+
+PROJECT
+INFORMATION
+
+458
+
+3
+
+63
+
+PROJECT
+INFORMATION
+
+PUD
+Are the common
+elements leased to or by
+the Homeowners'
+Association?
+Yes
+
+PUD
+Are the 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/PRO
+JECT[@_CommonElementsLeasedIndicator='Y'
+]
diff --git a/chunks/txt/a7fe417408c8a314f5030418b93ba6534cf4dc5294b62a9b0efe3acaa0bbca01.txt b/chunks/txt/a7fe417408c8a314f5030418b93ba6534cf4dc5294b62a9b0efe3acaa0bbca01.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a56099be00dd0f8371e6bc606af3051295715ad4
--- /dev/null
+++ b/chunks/txt/a7fe417408c8a314f5030418b93ba6534cf4dc5294b62a9b0efe3acaa0bbca01.txt
@@ -0,0 +1,51 @@
+•
+•
+•
+
+3 new informational edits to validate HOA Taxpayer ID and eMortgages
+1 informational edit moving to warning for Appraisal compare
+11 new edits to support Green MBS in November
+
+Oct 7, 2024
+
+MBS User Interface
+
+Fannie Mae will introduce User Interface (UI) upgrades to the MBS screens in Loan Delivery. This change will have minor
+impacts on the UI.
+
+1. Dynamic filtering capabilities (similar to Whole Loan)
+
+© 2023 Fannie Mae Page 8 of 10
+
+2. Pool Issue Date field - The UI upgrade will make all calendars uniform within Loan Delivery. The Pool Issue Date field
+on the Pool Details screen will change with this update. Users must select a valid pool issue date; the UI will no
+longer populate a valid date automatically.
+
+Please see the MBS Quick Reference Guide: User Interface Upgrades. There are no changes to the import and loan/pool
+submission process in Loan Delivery. No action is required by lenders with this change.
+
+Oct 21, 2024
+
+ULDD Phase 5
+
+To support the third implementation of ULDD Phase 5, Loan Delivery will introduce
+
+3rd Implementation
+
+• User Interface (UI) changes to the Loan Details page
+
+o Property Section: Address Unit Identifier & Deed Restriction Term Months Count
+o
+
+Insurance Section: MI Premium Source Type Other Description, MI Interest Rate Adjustment Percent, & MI
+Premium Plan Type
+
+o Borrower Section: Intent to Occupy Type
+o Pool Details Indicator Section: Government Bond Finance Indicator
+
+•
+
+Edit updates
+
+o All existing ULDD phase 5 edits will move from Informational to Warning
+o New warning edits around Address, Borrower, Early Funding, HMDA, Loan Program, MI, Pool, and Warehouse
diff --git a/chunks/txt/a80fa88c637b5489c9f88fa562029ff1bbf16b8464f557ff7ab3a713a52c4da7.txt b/chunks/txt/a80fa88c637b5489c9f88fa562029ff1bbf16b8464f557ff7ab3a713a52c4da7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0c21cfb0c8eb0bdb42b47d5dae741dd78d69d414
--- /dev/null
+++ b/chunks/txt/a80fa88c637b5489c9f88fa562029ff1bbf16b8464f557ff7ab3a713a52c4da7.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/mortgage-translations/language-translation-disclosure"
+date_accessed: "2026-01-27T17:48:03.531Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/a8142f262f9a81d4857a83b9f0966531906241d5c84caedf63347fcb88a18dc1.txt b/chunks/txt/a8142f262f9a81d4857a83b9f0966531906241d5c84caedf63347fcb88a18dc1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..915bfd411372b8a8cd1536a34ca8e25f232b7680
--- /dev/null
+++ b/chunks/txt/a8142f262f9a81d4857a83b9f0966531906241d5c84caedf63347fcb88a18dc1.txt
@@ -0,0 +1,62 @@
+Areas protected by the Coastal Barrier Resource Act (CBRA) of 1982, which encourages the conservation of hurricane
+prone, biologically rich coastal barriers.
+
+Drainage
+
+Excess Land
+
+Landlocked
+
+The movement of water away from the site (e.g., slope, surface, subsurface).
+Note: If applicable, Drainage 22.03.11 displays as a separate row in the Sales Comparison Approach section.
+
+Land beyond what is required to support the existing improvements of the site that can be subdivided and sold.
+
+A site without legal access to a public thoroughfare (without easements).
+
+Appendix F-1: URAR Reference Guide
+
+Page 75 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+04 Site
+
+Allowable Answer
+
+Landscaping
+
+Site Characteristic (Choose all that apply)
+
+Definition / Additional Guidance
+
+External portions of the site improved for functionality or aesthetic quality (e.g., lawn coverage, vegetation, shrubs, trees,
+gardens, and paths).
+
+Road Frontage
+
+A strip or extent of land abutting a road that impacts value and / or marketability.
+
+Shape
+
+Soil Suitability
+
+Surplus Land
+
+Topography
+
+Wetlands
+
+Zero Lot Line
+
+The outline of a site per legal boundaries.
+
+Physical properties of the soil suitable to support the current or proposed property development and use.
+
+Land beyond what is required to support the existing improvements of the site that cannot be subdivided and sold (does
+not have a separate highest and best use).
+
+The terrain or relative elevation of site surfaces (e.g., rolling, sloping, rocky, level).
+Note: If applicable, Topography 22.03.10 displays as a separate row in the Sales Comparison Approach section.
diff --git a/chunks/txt/a817b602c4174ba89184abbfd368f1858bc80a611946aaa02d5fdd635479ce0a.txt b/chunks/txt/a817b602c4174ba89184abbfd368f1858bc80a611946aaa02d5fdd635479ce0a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..12fac9f310580e1387432f859b4c733293da60fd
--- /dev/null
+++ b/chunks/txt/a817b602c4174ba89184abbfd368f1858bc80a611946aaa02d5fdd635479ce0a.txt
@@ -0,0 +1,90 @@
+Property Rights
+Appraised
+Fee Simple
+Property Rights
+Appraised
+Leasehold
+Property Rights
+Appraised
+Other
+Property Rights
+Appraised
+Other (describe)
+
+Property Rights Type
+
+Specifies the intended property
+ownership rights for the property.
+
+/VALUATION_RESPONSE/PROPERTY[@_R
+ightsType='FeeSimple']
+
+Property Rights Type
+
+Specifies the intended property
+ownership rights for the property.
+
+/VALUATION_RESPONSE/PROPERTY[@_R
+ightsType='Leasehold']
+
+Property Rights Type
+
+Specifies the intended property
+ownership rights for the property.
+
+/VALUATION_RESPONSE/PROPERTY[@_R
+ightsType='Other']
+
+1
+
+9
+
+8
+
+8
+
+9
+
+9
+
+9
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Subject Section
+A value of 'Y' indicates that the box has been checked, a value of 'N' indicates
+that the box has not been checked.
+
+Money
+
+UAD Requirement - Refer to Appendix D Subject Section
+Whole dollars only. If there are no mandatory HOA fees applicable to the
+subject property, appraiser must enter zero (0) in this data field.
+
+Enumerated UAD Requirement - Refer to Appendix D Subject Section
+
+Enumerated UAD Requirement - Refer to Appendix D Subject Section
+
+Enumerated
+
+Enumerated
+
+Enumerated
+
+If the value of field 1-25 (Project Per Unit Fee
+Amount) is greater than zero, one and only one
+of fields 1-26, 1-27 (values of Project Per Unit
+Fee Period Type) must be indicated.
+If the value of field 1-25 (Project Per Unit Fee
+Amount) is greater than zero, one and only one
+of fields 1-26, 1-27 (values of Project Per Unit
+Fee Period Type) must be indicated.
+One and only one of fields 1-28, 1-29, 1-30
+(values of Property Rights Type) should be
+indicated.
+One and only one of fields 1-28, 1-29, 1-30
+(values of Property Rights Type) should be
+indicated.
+One and only one of fields 1-28, 1-29, 1-30
+(values of Property Rights Type) should be
+indicated.
diff --git a/chunks/txt/a81c60ea9818aa97af330a12a87ecc8fce4c2465576c98134be2501496b525e2.txt b/chunks/txt/a81c60ea9818aa97af330a12a87ecc8fce4c2465576c98134be2501496b525e2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e640cc4fd55cfa31c2aaf4cbeaccc8fccdf2d4d6
--- /dev/null
+++ b/chunks/txt/a81c60ea9818aa97af330a12a87ecc8fce4c2465576c98134be2501496b525e2.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_123114.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/a81d2410a3c9256d5f92f1fe79301952e9b7c644d18d25f896563f76601637fa.txt b/chunks/txt/a81d2410a3c9256d5f92f1fe79301952e9b7c644d18d25f896563f76601637fa.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7a73133d779689dbd0a8cb4612f8a734c9fcd9ed
--- /dev/null
+++ b/chunks/txt/a81d2410a3c9256d5f92f1fe79301952e9b7c644d18d25f896563f76601637fa.txt
@@ -0,0 +1,17 @@
+Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Restricted Appraisal Update Report Page [Page] of [Pages]Update Version #Fannie Mae | Freddie Mac September 2024
+
+10. I personally performed an inspection of the exterior areas of the subject property from at least the street. I reported the readily observable
+condition of the improvements in factual, specific terms. I reported any known physical deficiencies that could affect the soundness or
+structural integrity of the property.
+
+10. I did not personally perform an onsite inspection of the subject property as part of this appraisal assignment. I reported the condition of
+the improvements in factual, specific terms, relying on subject property information data sources I considered reliable. I reported any known
+physical deficiencies that could affect the soundness or structural integrity of the property.
+
+11. I have not knowingly withheld any significant information from this appraisal report and, to the best of my knowledge, all statements and
+information in this appraisal report are true and correct.
+
+12. My employment and/or compensation for performing this appraisal or any future or anticipated appraisals was not conditioned on any
+agreement or understanding, written or otherwise, that I would report (or present analyses supporting) a predetermined specific value, a
+predetermined minimum value, a range or direction in value, a value that favors the cause of any party, or the attainment of a specific result or
+occurrence of a specific subsequent event (such as approval of a pending mortgage loan application).
diff --git a/chunks/txt/a828c525cac27cf0ae70675dbda0e4fe03c60946d376aa207b46fae68a525562.txt b/chunks/txt/a828c525cac27cf0ae70675dbda0e4fe03c60946d376aa207b46fae68a525562.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e80a195676f6b62f1aa8e9fdf043178e3894b29c
--- /dev/null
+++ b/chunks/txt/a828c525cac27cf0ae70675dbda0e4fe03c60946d376aa207b46fae68a525562.txt
@@ -0,0 +1,95 @@
+ASSETS
+ ASSET
+
+Sequence Number = “1”
+ xlink:label = “ASSET_1”
+ OWNED_PROPERTY
+ OWNED_PROPERTY_DETAIL
+ Owned Property Disposition Status Type= Retain
+ Owned Property Maintenance Expense Amount = 100
+ Owned Property Subject Indicator = false
+ PROPERTY
+ ADDRESS
+ PROPERTY_DETAIL
+
+LIABILITIES
+ LIABILITY
+
+Sequence Number = “1”
+
+xlink:label = “LIABILITY_1”
+
+LIABILITY_DETAIL
+
+Liability Account Identifier = ABC123
+ Liability Monthly Payment Amount = 1100
+ Liability Payment Includes Taxes Insurance Indicator = true
+ Liability Payoff Status Indicator= false
+ Liability Type = MortgageLoan
+ Liability Unpaid Balance Amount = 75000
+ Mortgage Type = Conventional
+
+Figure 5. Establishing Endpoints of Relationship
+
+Data Relationships Using Xlink and MISMO Arcroles
+
+Page 19 of 29
+
+Version 1.1
+
+___________ _ __ Uniform Loan Application Dataset (ULAD) Xlink Arcroles
+
+The table below (Table 5) shows the endpoints that will makeup the xlink arcrole relationship for the
+relationship.
+
+CONTAINER
+
+XPath For Container
+
+ASSET
+LIABILITY
+
+DEAL/ASSETS/ASSET
+DEAL/LIABILITIES/LIABILITY
+
+Table 5. Identifying Endpoints in the Relationship
+
+Sequence
+Number
+1
+1
+
+Xlink:label
+
+ASSET_1
+LIABILITY_1
+
+The table below (Table 6) shows a breakdown of the detailed components of the relationship used to relate
+an asset (owned property) to a borrower’s liability for that owned property.
+
+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
diff --git a/chunks/txt/a82be69196810f4ef5b7f7c91b7144c00a56be0e498cc750fa784388eed4e6e6.txt b/chunks/txt/a82be69196810f4ef5b7f7c91b7144c00a56be0e498cc750fa784388eed4e6e6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ffd1043e5da327a14af2592f9056c2f2107c5c2e
--- /dev/null
+++ b/chunks/txt/a82be69196810f4ef5b7f7c91b7144c00a56be0e498cc750fa784388eed4e6e6.txt
@@ -0,0 +1,109 @@
+accessoryDwellingUni
+tTotalCount
+
+The total number of accessory dwelling units in the
+subject property (e.g., in-law quarters, apartment
+over a garage, etc.)
+
+Note: this data point appears as “Accessory Dwelling
+Units” in the Freddie Mac PDF.
+
+Number of
+Resubmissions
+
+resubmissionCount
+
+The number of resubmissions for a given
+sequence/document type.
+
+Opinion of Market Value
+
+opinionOfValueAmou
+nt
+
+Original Effective Date of
+Appraisal
+
+originalAppraisalEffec
+tiveDate
+
+The reconciled opinion of value in the appraisal
+report representing the conclusion of the
+approaches to value methods used by the appraiser.
+
+The date of when the appraiser’s analyses, opinions,
+and conclusions regarding the property’s values
+apply, (i.e., are effective) on the original URAR, i.e.,
+the effective date of the URAR that is associated with
+the Restricted Appraisal Update Report or
+Completion Report.
+
+Original Submission
+Date/Time
+
+originalSubmissionDa
+teTime
+
+The original date and time when the document was
+received for a given sequence/document type.
+
+Project Legal Structure
+
+projectLegalStructure
+Type
+
+Property Address
+
+addressLineText
+
+A value that specifies the form of ownership of a
+project. The Project Legal Structure Type defines the
+quality and quantity of project ownership and rights
+accruing to the individual unit owner (e.g.,
+Condominium; Condop; Cooperative).
+
+The subject property address with the address
+number, pre-directional, street name, post-
+
+Both
+
+FNM
+
+Both
+
+Both
+
+Both
+
+Both
+
+Both
+
+X
+
+X
+
+X
+
+X
+
+X
+
+X
+
+Report Type
+
+Update
+Report
+X
+
+Completion
+Report
+X
+
+Format
+Type
+
+PDF / JSON
+
+PDF / JSON
diff --git a/chunks/txt/a82da8b8427345a8bda598fa4f3466736a6c791b36a0e8316b3881f0ce349af5.txt b/chunks/txt/a82da8b8427345a8bda598fa4f3466736a6c791b36a0e8316b3881f0ce349af5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a084231b892c203b256442e4887b28b0066ff956
--- /dev/null
+++ b/chunks/txt/a82da8b8427345a8bda598fa4f3466736a6c791b36a0e8316b3881f0ce349af5.txt
@@ -0,0 +1,4 @@
+---
+source_url: "https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw"
+date_accessed: "2026-01-27T17:54:20.771Z"
+---
diff --git a/chunks/txt/a836d045251b7627267895bc2a90fa98e2acccec2869898247d1bc538a776e4b.txt b/chunks/txt/a836d045251b7627267895bc2a90fa98e2acccec2869898247d1bc538a776e4b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..72eeeb07eacbfe043693b3eea17932047a949899
--- /dev/null
+++ b/chunks/txt/a836d045251b7627267895bc2a90fa98e2acccec2869898247d1bc538a776e4b.txt
@@ -0,0 +1,104 @@
+The building floor number where the entrance to the unit is located.
+Examples: 1, 2, B1, B2, Penthouse
+
+Site Owned in Common: Indicates whether land associated with the
+property is owned by an association, such as a condominium project,
+cooperative, or condop.
+•
+
+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).
+
+•
+
+Grade Level of Unit
+•
+Above Grade
+•
+Fully Below Grade
+•
+Partially Below Grade
+
+Reference published guidelines by the GSEs, government agencies, or
+other identified secondary marketing participants for specific guidance.
+
+No
+
+Reference Appendix 2: Condition and Quality Rating Definitions for
+definitions.
+
+Not on
+Report
+
+This is an
+appraiser
+input that
+does not
+display in the
+rental grid
+
+N/A
+
+Always required
+
+Choose an
+allowable answer
+from table
+(Structure Type)
+
+•
+
+Structure Type Not
+on Report
+
+No
+
+Note: For the subject property, reflects the condition as if any required
+repairs, inspections, or completions have been satisfactorily completed.
+
+Structure Type: The type of structure that contains the rental unit or
+ADU.
+•
+•
+
+Dwelling
+Outbuilding
+
+Appendix F-1: URAR Reference Guide
+
+Page 296 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+23 Rental Information
+
+Report Label
+
+When Row
+Displays
+
+When to Include for
+each Comparable Unit
+
+Allowable
+Answers / Format
+
+Origin of Subject
+Property Information
+
+Adjustable
+Row
+
+Definition / Additional Guidance
+
+Rental Information: Rental Comparison Grid
+
+Bedrooms
+
+Always
+
+Always required
diff --git a/chunks/txt/a83bd395b598df2c40c3c82b2aeefa283b19ddd5f4603bcd7f9d373ecf4ba2df.txt b/chunks/txt/a83bd395b598df2c40c3c82b2aeefa283b19ddd5f4603bcd7f9d373ecf4ba2df.txt
new file mode 100644
index 0000000000000000000000000000000000000000..98e5596580aa75072f97cce21d493efd8c94ab7c
--- /dev/null
+++ b/chunks/txt/a83bd395b598df2c40c3c82b2aeefa283b19ddd5f4603bcd7f9d373ecf4ba2df.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/news/testimony"
+date_accessed: "2026-01-27T17:54:20.270Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/a847bc4121159eeda55e3738f1322c6353c0df7c32b983a73fe3294b59dbd561.txt b/chunks/txt/a847bc4121159eeda55e3738f1322c6353c0df7c32b983a73fe3294b59dbd561.txt
new file mode 100644
index 0000000000000000000000000000000000000000..45876aea36d977b5ecc136b24a05c123a4bf111d
--- /dev/null
+++ b/chunks/txt/a847bc4121159eeda55e3738f1322c6353c0df7c32b983a73fe3294b59dbd561.txt
@@ -0,0 +1,57 @@
+•
+
+container or data point
+making up the first
+named entity in the
+verb phrase describing
+the relationship.
+In the RELATIONSHIP
+container, this item is
+identified with the
+unique Xlink label from
+the container being
+linked.
+
+• The hierarchical
+path through the
+MISMO v3.6 schema
+document for the
+target data point
+that will be part of
+the link.
+
+• This is where Xlink
+attributes are
+included in the
+Delivery File.
+
+• The name of the
+
+•
+
+container or data point
+making up the last-
+named entity in the
+verb phrase describing
+the relationship.
+In the RELATIONSHIP
+container, this item is
+identified with the
+unique Xlink label from
+the container being
+linked.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Key Concepts
+
+Page 32
+
+The data associated with the subject property and each comparable property used in the valuation process must be provided in an
+individual occurrence of the PROPERTY container. ValuationUseType is an attribute defined on the PROPERTY container. This attribute must
+be populated for each occurrence of the PROPERTY container to indicate whether the referenced property is the subject property or a
+comparable. The data associated with each comparable property used in the Sales Comparison Approach (“SalesComparable”,
+“PropertyAnalyzedNotUsed”), Cost Approach (“LandComparable”), Income Approach (“GrossRentMultiplierComparable”), and Rental
+Information (“RentalComparable”) must be provided in an individual occurrence of the PROPERTY container with ValuationUseType
+populated as specified below. Every instance of the PROPERTY container except when ValuationUseType = “SubjectProperty” must have
+PropertyOrdinalNumber populated in the COMPARABLE_DETAIL container.
diff --git a/chunks/txt/a870b86ba828e688777f3e15d0bc57667d8100048182276aa7e11628ce8b5915.txt b/chunks/txt/a870b86ba828e688777f3e15d0bc57667d8100048182276aa7e11628ce8b5915.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f84e22128a64387933949a4efc61eea70c55539b
--- /dev/null
+++ b/chunks/txt/a870b86ba828e688777f3e15d0bc57667d8100048182276aa7e11628ce8b5915.txt
@@ -0,0 +1,141 @@
+If field 1-177 (Project Management Type =
+'ManagementAgent') is indicated, then this
+field should be populated.
+
+One and only one of fields 1-179, 1-180
+(values of Project Concentrated Ownership
+Indicator) should be indicated.
+
+One and only one of fields 1-179, 1-180
+(values of Project Concentrated Ownership
+Indicator) should be indicated.
+
+This field should be populated if field 1-179
+(Project Concentrated Ownership Indicator
+= 'Y') is indicated.
+
+One and only one of fields 1-182, 1-183
+(values of Project Conversion Indicator)
+should be indicated.
+
+One and only one of fields 1-182, 1-183
+(values of Project Conversion Indicator)
+should be indicated.
+
+This field should be populated if field 1-182
+(Project Conversion Indicator = 'Y') is
+indicated.
+
+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 141 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
+
+196
+
+1
+
+185
+
+PROJECT
+INFORMATION
+
+Are the units, common elements, and
+recreation facilities complete (including
+any planned rehabilitation for a
+condominium conversion)?
+Yes
+
+Project Common
+Elements Completed
+Indicator
+
+Indicates that the common elements and
+recreation facilities in the project are
+complete.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT[@_CommonElementsCom
+pletedIndicator='Y']
+
+1
+
+1
+
+Boolean
+
+Boolean
+
+186
+
+187
+
+PROJECT
+INFORMATION
+
+PROJECT
+INFORMATION
+
+Are the units, common elements, and
+recreation facilities complete (including
+any planned rehabilitation for a
+condominium conversion)?
+No
diff --git a/chunks/txt/a8774e2136fff1efb9a85b05fc48cd00125576fad672777febc1d142187548b2.txt b/chunks/txt/a8774e2136fff1efb9a85b05fc48cd00125576fad672777febc1d142187548b2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5c5ea8c4beba8108b5ad952131eccaf39c86d6a2
--- /dev/null
+++ b/chunks/txt/a8774e2136fff1efb9a85b05fc48cd00125576fad672777febc1d142187548b2.txt
@@ -0,0 +1,5 @@
+Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 244
+
+Cooperative Information .......................................................................................................................................................................................................... 247
+
+Project Factors and Impact to Value/Marketability ................................................................................................................................................................. 250
diff --git a/chunks/txt/a884d5c7f00742e744757ea314a8908a1e9b1569ef58bb95ed69907ae9c2db7a.txt b/chunks/txt/a884d5c7f00742e744757ea314a8908a1e9b1569ef58bb95ed69907ae9c2db7a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2028e0e98a6c475ec968eeb8e3cbf730f57e5bba
--- /dev/null
+++ b/chunks/txt/a884d5c7f00742e744757ea314a8908a1e9b1569ef58bb95ed69907ae9c2db7a.txt
@@ -0,0 +1,3 @@
+Overview ................................................................................................................................................................................................................................................ 324
+
+Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 326
diff --git a/chunks/txt/a893dadb7c95c8a6a5ac829100619f3d7731f9c030386bcce0392619d6066c99.txt b/chunks/txt/a893dadb7c95c8a6a5ac829100619f3d7731f9c030386bcce0392619d6066c99.txt
new file mode 100644
index 0000000000000000000000000000000000000000..354ead3a049681045989f1b59be23a401f335d2b
--- /dev/null
+++ b/chunks/txt/a893dadb7c95c8a6a5ac829100619f3d7731f9c030386bcce0392619d6066c99.txt
@@ -0,0 +1,34 @@
+• The "PRINCIPAL REMITTANCE AMOUNT (FANNIE MAE EXPECTED)" column will be removed.
+
+• The "PRINCIPAL REMITTANCE AMOUNT (DIFFERENCE)" column will be renamed to "UNSCHEDULED
+PRINCIPAL REMITTANCE AMOUNT" to show curtailment amounts as a positive value and reversals
+of curtailment as negative values.
+
+Please see Appendix B for additional details.
+
+Updates to the User Interface (UI)
+
+Minor updates will be made to the look and feel of the UI in LSDU. These will include adjusting the placement
+of all dropdown menus which will reside on the left side of the web page.
+
+For More Information
+
+For more information about this release, please contact Future of Servicing or Master Servicing at 1-800-2-
+FANNIE.
+
+© Fannie Mae 2019 Confidential – Internal Distribution LSDU 3.0 September 2019 Page 1 of 2
+
+Prepared by ODS – Operational Readiness
+
+Appendix A:
+Below is an example of the new updates available with this release:
+
+Appendix B:
+Below is an example of the current column headings that will be removed (outlined in red) or renamed
+(outlined in Blue) with this release.
+
+The example below shows the updated headers that will be displayed with this release:
+
+© Fannie Mae 2019 Confidential – Internal Distribution LSDU 3.0 September 2019 Page 2 of 2
+
+Prepared by ODS – Operational Readiness
diff --git a/chunks/txt/a8a8e72793f94abd764e13b217e379e9fbd7f01c76d4df296f010e0c68937ba3.txt b/chunks/txt/a8a8e72793f94abd764e13b217e379e9fbd7f01c76d4df296f010e0c68937ba3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a571ff81fe5e34e2ab65a6516ee9cf796fbc9912
--- /dev/null
+++ b/chunks/txt/a8a8e72793f94abd764e13b217e379e9fbd7f01c76d4df296f010e0c68937ba3.txt
@@ -0,0 +1,71 @@
+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.
+
+Message
+
+The text description of each appraisal finding.
+
+Additional
+Identified in Header
+
+Fatal
+
+Warning
+
+Message ID
+
+A unique identifier assigned to each message.
+
+“UAD” 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}
+
+If the property affected by the findings is one of the comparable properties,
+this data point will appear in the Property Affected line indicating the
+number of the comparable (e.g., Property Ordinal Number).
+
+Fannie Mae
+
+Freddie Mac
+
+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.
+
+Proprietary Findings
+
+GSE Proprietary Findings provide feedback specific to each GSE’s requirements.
+
+These messages are specific to each GSE and can only be viewed in the SSR associated with the GSE to which the appraisal
+report was submitted.
+
+GSE Proprietary Findings
+
+Fannie Mae
+
+© 2025 Fannie Mae and Freddie Mac. Trademarks of respective owners.
diff --git a/chunks/txt/a8b6c4654dec3fd315657fc341e4b76b0ead70460f9a0ce42220d195fbcdb6d7.txt b/chunks/txt/a8b6c4654dec3fd315657fc341e4b76b0ead70460f9a0ce42220d195fbcdb6d7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1a6227ef4559b49d6bd28dbf13fdfc167ef5d693
--- /dev/null
+++ b/chunks/txt/a8b6c4654dec3fd315657fc341e4b76b0ead70460f9a0ce42220d195fbcdb6d7.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\/736","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/a8c074d04116a53f37b719f6333fac9c7c43a07e96a3da494471ff9923888f7e.txt b/chunks/txt/a8c074d04116a53f37b719f6333fac9c7c43a07e96a3da494471ff9923888f7e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..89507292b012c5ad18d12fe5eb06fb13069f2ac2
--- /dev/null
+++ b/chunks/txt/a8c074d04116a53f37b719f6333fac9c7c43a07e96a3da494471ff9923888f7e.txt
@@ -0,0 +1,82 @@
+Loan Amount ($) …/TERMS_OF_LOAN
+
+NoteAmount
+
+211000.00
+
+12.2 |
+12.2.1 |
+4.1.1
+
+Notes
+
+ROF as
+“$211,000.00”
+
+12. 3 EXI STI NG LOAN(S) ASSUMED OR TAKEN SUBJECT TO
+
+If the borrower is assuming the seller’s loan, the amount assumed is presented as illustrated in Figure 100.
+When more than one loan is being assumed, the total amount of all outstanding loans being assumed is
+disclosed. Loan Amount should equal “0.”
+
+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
+
+0212.2 Loan Amount
+
+12.2.1 $211,000.00
+
+0312.3 Existing Loan(s) Assumed or Taken Subject to
+
+12.3.1 $79,000.00
+
+Figure 100. Existing Loan(s) Assumed or Taken Subject To
+
+The data points used to provide this information are shown in the table below.
+
+ID
+
+Form Field Name
+
+12.3 |
+12.3.1
+
+Existing Loan(s)
+Assumed or Taken
+Subject to ($)
+
+Table 116. Existing Loan(s) Assumed or Taken Subject to
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0
+Value
+
+Notes
+
+…/TERMS_OF_LOA
+N
+
+AssumedLoanAmou
+nt
+
+79000.00
+
+ROF as “Existing
+Loan(s) Assumed or
+Taken Subject to”
+and “$79,000.00”
+
+12. 4 BORROWER FUNDS FROM SECOND LOAN
+
+Lenders must disclose borrower financing arrangements, other new loans or subordinate liens under line 12.3.
+Example: The borrower took out a second loan to finance part of the purchase price. Figure 101 shows how to
+disclose a situation where a portion ($2,000) of the principal amount of the second loan ($10,000) is used. The
+principal amount is listed on the description line, and the $2,000 helping to finance the purchase price is
+disclosed as part of the purchase transaction.
diff --git a/chunks/txt/a8c6d58bf6d6917ac9dc00e22a8c3783d5028a5f43c7d8b32d98afde1ced3403.txt b/chunks/txt/a8c6d58bf6d6917ac9dc00e22a8c3783d5028a5f43c7d8b32d98afde1ced3403.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1a1b34bec4ce529f38892076fe5c5a2b4601dad7
--- /dev/null
+++ b/chunks/txt/a8c6d58bf6d6917ac9dc00e22a8c3783d5028a5f43c7d8b32d98afde1ced3403.txt
@@ -0,0 +1,57 @@
+/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
+
+1
+
+1
+
+3
+
+1
+
+20
+
+20
+
+20
+
+20
+
+20
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+This field indicates the number of finished recreation rooms in the basement.
+
+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 bedrooms in the basement.
diff --git a/chunks/txt/a8d092ccf9d3a8178582d6f5e9ab035581dd7bb2c4ba55be9c26fb11a0051bb8.txt b/chunks/txt/a8d092ccf9d3a8178582d6f5e9ab035581dd7bb2c4ba55be9c26fb11a0051bb8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bbfda8e996c0e1f61656c601b06c442646797edc
--- /dev/null
+++ b/chunks/txt/a8d092ccf9d3a8178582d6f5e9ab035581dd7bb2c4ba55be9c26fb11a0051bb8.txt
@@ -0,0 +1,104 @@
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+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:
+· 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.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+UAD Requirement - Refer to Appendix D Subject Section
+This data is referenced more than once on the form (fields 1-18, 3-13) and must be
+represented consistently to the extent the available space permits.
+
+The legal phase number of the subject unit.
+
+This data is referenced more than once on the form (fields 1-19, 3-14), and must be
+represented consistently.
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+
+PDF Display Format:
+Whole dollars only.
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+T
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+T
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+T
+
+This field is required if field 1-33
+(Appraisal Purpose Type = 'Purchase')
+is indicated.
+
+CR
+
+CR
+
+CR
+
+339
+
+3
+
+e-14
+
+SALES
+COMPARISON
+APPROACH
+
+Location
+
+GSE Overall
+Location Rating
+Type
+
+The overall rating of the location
+associated with the property.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/COMPARISON_L
+OCATION_OVERALL_RATING_EXTENSION/COMPARISON_LOCATION_
+OVERALL_RATING_EXTENSION_SECTION[@ExtensionSectionOrganizatio
+nName='UNIFORM APPRAISAL
+DATASET']/COMPARISON_LOCATION_OVERALL_RATING_EXTENSION
+_SECTION_DATA/COMPARISON_LOCATION_OVERALL_RATING/@GSE
+OverallLocationRatingType
diff --git a/chunks/txt/a8d721b894cba2459fd156726161ee435123ca4e5e2abc9e3f2ffb139fbe4bbf.txt b/chunks/txt/a8d721b894cba2459fd156726161ee435123ca4e5e2abc9e3f2ffb139fbe4bbf.txt
new file mode 100644
index 0000000000000000000000000000000000000000..647969783627cf26388b6fae8aff5017d0a41e3c
--- /dev/null
+++ b/chunks/txt/a8d721b894cba2459fd156726161ee435123ca4e5e2abc9e3f2ffb139fbe4bbf.txt
@@ -0,0 +1,23 @@
+the specific instance of the AMENITY container. The AmenityType provides the context.
+
+• Defects identified with subject property amenities are linked to the given amenity where the defect is identified. For example, the
+instance of the DEFECT container that represents defect with a deck must be linked to the instance of the AMENITY container with
+AmenityType = “Deck”.
+
+• When multiple defects are identified with a given amenity, each of these DEFECT containers are linked to the same instance of the
+
+AMENITY container.
+
+The DATA_SOURCE containers are leveraged to identify the source of data for an item referenced in the appraisal. As the DATA_SOURCES
+container is located outside the PROPERTIES container, each instance of the DATA_SOURCE container must be linked to the data point or
+the container that it is providing the source of the information. When multiple items have the same data source, include only one instance
+of the DATA_SOURCE container in the XML and link this instance to the multiple items as indicated below.
+
+In the following example, in the Sales Comparison Approach, Assessor Record is indicated as the data source for sales comp 1, 2, and 3.
+One instance of the DATA_SOURCE container with DataSourceType = “AssessorRecord” is included in the XML and the same DATA_SOURCE
+container is used in the RELATIONSHIP containers to indicate that it is a data source for sales comp 1, 2, and 3.
+
+DATA_SOURCE container with DataSourceType= “AssessorRecord” has xlink:label as shown below.
+
+This DATA_SOURCE container is referenced in three RELATIONSHIP containers in the xlink:from attribute, which indicates that the same
+data source is used for sales comp 1, 2 and 3.
diff --git a/chunks/txt/a8e973c9da3729a7d525b509a01776f6c1a1073e730445e9a2a5c596ce258d34.txt b/chunks/txt/a8e973c9da3729a7d525b509a01776f6c1a1073e730445e9a2a5c596ce258d34.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e8b4305aa731bf7587e151045cfea23a6b4923d0
--- /dev/null
+++ b/chunks/txt/a8e973c9da3729a7d525b509a01776f6c1a1073e730445e9a2a5c596ce258d34.txt
@@ -0,0 +1,99 @@
+b. Types of Closing Adjustments
+
+Closing adjustment requirements are difficult to document, mainly because of the need to account for a refinance being
+delivered on the Model form. Figure 29 provides a map of ClosingAdjustmentItemType to CD section based on whether the
+loan is a purchase or refinance.
+
+UCD v2.0 Implementation Guide
+
+- 38 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Figure 29. Specifying ClosingAdjustmentItemTypes.
+
+Here is an illustration of how the closing adjustments are rendered on the Model form on the right and the Alternate form
+
+on the left.
+
+Table 22. Rendering Closing Adjustment Data on the CD Model and Alternate Forms.
+
+Summaries of Transactions
+
+(11.0 – 13.0)
+
+Payoffs and Payments
+
+25.0
+
+BORROWER’S TRANSACTION
+
+25.1 TO
+
+25.1.1 AMOUNT
+
+11.0 K. Due from Borrower at Closing
+
+11.0.1
+
+Adjustments
+
+Existing Escrow Account Rollover $200.00
+
+11.5 Tenant Security Deposit from R. Jones 11.5.1 $100.00
+
+Principal Reduction tolerance cure
+
+$500.00
+
+Principal Reduction tolerance cure $500.00
+
+12.0 L. Paid Already by or on Behalf of
+Borrower at Closing
+
+12.0.1
+
+12.5 Seller Credit
+
+Other Credits
+
+12.5.1 $2,500.00
+
+12.6 Second Loan Proceeds, Ficus Bank
+
+12.6.1 $10,000.00
+
+Second Loan Proceeds, Ficus Bank $10,000.00
+
+Grant from Community Lending paid
+to Ficus Bank
+
+$5,000.00
+
+Grant from Community Lending
+
+$5,000.00
+
+paid to Ficus Bank
+
+Relocation Funds from Acme
+
+$300.00
+
+Adjustments
+
+UCD v2.0 Implementation Guide
+
+- 39 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Table 22. Rendering Closing Adjustment Data on the CD Model and Alternate Forms.
diff --git a/chunks/txt/a8e9c14f2db76dc2be5bd46940f883ced6260c56534e0a37c8059bfc12307b75.txt b/chunks/txt/a8e9c14f2db76dc2be5bd46940f883ced6260c56534e0a37c8059bfc12307b75.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e47710773956373d6051ce3751234a3e02f664c1
--- /dev/null
+++ b/chunks/txt/a8e9c14f2db76dc2be5bd46940f883ced6260c56534e0a37c8059bfc12307b75.txt
@@ -0,0 +1,58 @@
+This loan casefile is eligible for a Uniform Residential
+Appraisal Report (Traditional Appraisal - Single Family
+Property). If the loan casefile is eligible for other property
+assessment and valuation options, all options will be
+displayed in the Property and Appraisal Information
+section.
+
+This loan casefile is eligible for a Uniform Residential
+Appraisal Report (Traditional Appraisal – Condominium
+Unit). If the loan casefile is eligible for other property
+assessment and valuation options, all options will be
+displayed in the Property and Appraisal Information
+section.
+
+This loan casefile is eligible for a Uniform Residential
+Appraisal Report (Traditional Appraisal – Condominium
+Unit). If the loan casefile is eligible for other property
+assessment and valuation options, all options will be
+displayed in the Property and Appraisal Information
+section.
+
+© 2025 Fannie Mae 9.24.25
+
+2 of 3
+
+Msg
+ID
+
+Current Message Text
+
+New Message Text
+
+2145 An appraisal based on an interior and exterior
+property inspection reported on Form 2090 is
+required for this transaction.
+
+2149 An appraisal based on an interior and exterior
+property inspection reported on Form 2090 is
+required for this refinance transaction.
+
+1401 Obtain a comparable rent schedule on Form 1007
+
+2731
+
+unless the borrower is being qualified for the entire
+payment, without benefit of rental income.
+If income from the property will be used to qualify
+the borrower, the lender must obtain an appraisal
+based on an interior and exterior property
+inspection and obtain a Single-Family Comparable
+Rent Schedule (Form 1007) in accordance with the
+requirements for rental income as stated in the
+Fannie Mae Selling Guide. If the borrower is being
+qualified without the benefit of rental income, an
+appraisal with Form 1007 is not required and the
+lender may exercise the value acceptance
+(appraisal waiver) offered on the loan casefile.
+1253 A certification of completion is required to verify the
diff --git a/chunks/txt/a8ed64105d0d59a81b46821f21392fe09a0f46fac4816ee2b9aa5e80503f2cdb.txt b/chunks/txt/a8ed64105d0d59a81b46821f21392fe09a0f46fac4816ee2b9aa5e80503f2cdb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4e83d8f54a9ea2f434d52dfa3614b4c12b105c87
--- /dev/null
+++ b/chunks/txt/a8ed64105d0d59a81b46821f21392fe09a0f46fac4816ee2b9aa5e80503f2cdb.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/policy/guarantee-fees"
+date_accessed: "2026-01-27T17:54:20.446Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/a8ee78f1bed007918b074192958426d205dc99ea0f6b68ff67bcd01ba0585742.txt b/chunks/txt/a8ee78f1bed007918b074192958426d205dc99ea0f6b68ff67bcd01ba0585742.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4de338171d2cbd873e9f7878afdea9b002684484
--- /dev/null
+++ b/chunks/txt/a8ee78f1bed007918b074192958426d205dc99ea0f6b68ff67bcd01ba0585742.txt
@@ -0,0 +1,64 @@
+<DOCUMENT_CLASSES>
+ <DOCUMENT_CLASS>
+
+<DocumentType>Other</DocumentType>
+ <DocumentTypeOtherDescription>ClosingDisclosure:ModelForm</DocumentTypeOtherDescription>
+
+</DOCUMENT_CLASS>
+ </DOCUMENT_CLASSES>
+
+</DOCUMENT_CLASSIFICATION>
+
+</DOCUMENT>
+
+</DOCMENTS>
+ </DOCUMENT_SET>
+ </DOCUMENT_SETS>
+</MESSAGE>
+
+UCD v2.0 Implementation Guide
+
+- 15 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+IV. XML File Data Payload Overview
+
+IV. XML FILE DATA PAYLOAD OVERVIEW
+
+All the containers and data points carrying discrete XML data supporting the closing transaction are children of DEAL.
+Figure 6 and 6 graph the XML file data payload containers starting with COLLATERAL in Figure 5 and ending with PARTY in
+Figure 6. Darker blue containers represent line items. Notice from the cardinality notation to their left that they can occur
+consecutively multiple times; that is, they are “repeatable”.
+
+For example, MESSAGE has a cardinality of “1:1”. That means that MESSAGE must always exist in the XML file, and it can
+exist only once. LIABILITY has a cardinality of “0:24”. This recognizes that not every loan could have liabilities; however, if
+liabilities are part of the transaction, up to but no more than 24 instances may be delivered.
+
+Figure 6. XML File Data Payload – COLLATERALS through ESCROW.
+
+UCD v2.0 Implementation Guide
+
+- 16 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+IV. XML File Data Payload Overview
+
+Figure 7. XML File Data Payload – FEE_INFORMATION through PARTIES.
+
+UCD v2.0 Implementation Guide
+
+- 17 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+V. XML FILE DATA PAYLOAD A TO Z
diff --git a/chunks/txt/a8f59117babd58fce04ea8b58b352b4ed01a39f20e57be5d03897ccc209ba137.txt b/chunks/txt/a8f59117babd58fce04ea8b58b352b4ed01a39f20e57be5d03897ccc209ba137.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c3843b22ebdbe45a71f5d44a81ad929aa7a22312
--- /dev/null
+++ b/chunks/txt/a8f59117babd58fce04ea8b58b352b4ed01a39f20e57be5d03897ccc209ba137.txt
@@ -0,0 +1,5 @@
+Completion Report – Arcrole Relationships ..................................................................................................................................................................... 54
+
+INSPECTION to ROLE ................................................................................................................................................................................................................. 54
+
+Appraiser ...................................................................................................................................................................................................................... 54
diff --git a/chunks/txt/a8fd3af63cdd0c06232cc783511e61ced21178502128b453c91c07fb5997cc1f.txt b/chunks/txt/a8fd3af63cdd0c06232cc783511e61ced21178502128b453c91c07fb5997cc1f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e3fa3103f28be7374c450d193bb15fa696e17b22
--- /dev/null
+++ b/chunks/txt/a8fd3af63cdd0c06232cc783511e61ced21178502128b453c91c07fb5997cc1f.txt
@@ -0,0 +1 @@
+{"path":{"baseUrl":"\/","pathPrefix":"","currentPath":"taxonomy\/term\/251","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\/fhfa-annual-performance-plan":true,"form_action_p_pvdeGsVG5zNF_XLGPTvYSKCf43t8qZYSwcfZl2uzM":true},"data":{"extlink":{"extTarget":false,"extTargetAppendNewWindowDisplay":false,"extTargetAppendNewWindowLabel":"(opens in a new window)","extTargetNoOverride":false,"extNofollow":false,"extTitleNoOverride":false,"extNoreferrer":true,"extFollowNoOverride":false,"extClass":"ext","extLabel":"(link is external)","extImgClass":false,"extSubdomains":true,"extExclude":".*\\.gov","extInclude":"","extCssExclude":"","extCssInclude":"","extCssExplicit":"main.main-content","extAlert":false,"extAlertText":"This link will take you to an external web site. We are not responsible for their content.","extHideIcons":true,"mailtoClass":"0","telClass":"0","mailtoLabel":"(link sends email)","telLabel":"(link is a phone number)","extUseFontAwesome":false,"extIconPlacement":"append","extPreventOrphan":false,"extFaLinkClasses":"fa fa-external-link","extFaMailtoClasses":"fa fa-envelope-o","extAdditionalLinkClasses":"","extAdditionalMailtoClasses":"","extAdditionalTelClasses":"","extFaTelClasses":"fa fa-phone","allowedDomains":null,"extExcludeNoreferrer":""}},"views":{"ajax_path":"\/views\/ajax","ajaxViews":{"views_dom_id:c57775c92a2359de024751372de8eb1a5d065c179c109c7bdbb03c50d07242c7":{"view_name":"reports_taxonomy_view","view_display_id":"block_1","view_args":"251","view_path":"\/taxonomy\/term\/251","view_base_path":null,"view_dom_id":"c57775c92a2359de024751372de8eb1a5d065c179c109c7bdbb03c50d07242c7","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/a90b0fae958f5f8f208c4eaee7225a651633f8dddd33facd614ed61e0dd994e7.txt b/chunks/txt/a90b0fae958f5f8f208c4eaee7225a651633f8dddd33facd614ed61e0dd994e7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f671ad1fc1e85e9637fab5863ffcdb2f8cf5fca7
--- /dev/null
+++ b/chunks/txt/a90b0fae958f5f8f208c4eaee7225a651633f8dddd33facd614ed61e0dd994e7.txt
@@ -0,0 +1,114 @@
+J. Total Closing
+Costs Table
+
+✓
+
+✓
+
+✓
+
+✓
+
+Non-Seller Transactions Only
+Alternate Form
+
+Borrower & Paid By Others
+Columns Only
+
+Borrower and Paid By Others
+Columns Only
+
+Borrower and Paid By Others
+Columns Only
+
+The Closing Cost Details section presents the transaction costs in two categories: 7.0 Loan Costs table and 8.0
+Other Costs table. 9.0 Total Closing Costs table provides subtotals and totals of the columns by payor and time
+of payment. Figure 75 provides a Model Form excerpt.
+
+C lo s in g C ost Details
+
+Lo a n C o s ts
+
+7.0
+
+Borrower-Paid
+
+Seller-Paid
+
+At Closing
+
+Before Closing
+
+At Closing
+
+Before Closing
+
+Paid by
+Others
+
+7.1 A. Origination Charges
+
+7.1.1 $1,802.00
+
+01 7.2.1 0.25% of Loan Amount 7.2 (Points)
+
+7.2.2
+
+$405.00 7.2.3
+
+7.2.4
+
+7.2.5
+
+7.2.6
+
+7.4 B. Services Borrower Did Not Shop For
+
+7.4.1 $236.55
+
+01 7.5 Appraisal Fee 7.5.1 to John Smith Appraisers
+
+7.5.2
+
+7.5.3
+
+7.5.4
+
+7.5.5
+
+7.5.6 $405.00
+
+7.6 C. Services Borrower Did Shop For
+
+7.6.1 $2,655.50
+
+01 7.7Pest Inspection Fee 7.7.1
+
+to Pests Co.
+
+7.7.2
+
+$120.50 7.7.3
+
+7.7.4
+
+7.7.5
+
+7.7.6
+
+7.8 D. TOTAL LOAN COSTS (Borrower-Paid)
+
+7.8.1 $4,694.05
+
+7.9 Loan Cost Subtotals (A + B + C)
+
+7.9.2 $4,664.25 7.9.3
+
+$29.80
+
+Other Costs
+
+8.0
+
+8.1 E. Taxes and Other Government Fees
+018.2 Recording Fees Deed: 8.2.1 $40.00 Mortgage:
diff --git a/chunks/txt/a9150f1cd09cba6d98c5035c4a42686e28475214847ae645b82e3c97bbd8d0e7.txt b/chunks/txt/a9150f1cd09cba6d98c5035c4a42686e28475214847ae645b82e3c97bbd8d0e7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f3f95df054c3120b46a36209320986be4d4fd095
--- /dev/null
+++ b/chunks/txt/a9150f1cd09cba6d98c5035c4a42686e28475214847ae645b82e3c97bbd8d0e7.txt
@@ -0,0 +1,138 @@
+Comparable #5
+
+This is where the Rental Comparable 5 photo would display.
+
+Income Approach
+
+Gross Rent Multiplier Comparables
+
+Property Address
+
+12345 Holiday Hwy
+Surfside, HI 12345
+
+16-204 Whitecrest Dr
+Surfside, HI 12345
+
+15-137 Stoneback Ave
+Surfside, HI 12345
+
+16-207 Starmind Blvd
+Surfside, HI 12345
+
+Subject Property
+
+Comparable #1
+
+Comparable #2
+
+Comparable #3
+
+This is where the
+Subject Property photo
+would display.
+
+This is where the GRM
+Comparable 1 photo
+would display.
+
+This is where the GRM
+Comparable 2 photo
+would display.
+
+This is where the GRM
+Comparable 3 photo
+would display.
+
+Data Source
+
+Proximity to Subject
+
+Units Excluding ADUs
+
+Sale Price
+
+Sale Date
+
+Gross Monthly Rent
+
+Gross Rent Multiplier
+
+Comparable Weight
+
+2
+
+$875
+
+MLS 77777
+
+0.8 Miles W
+
+2
+
+$265,000
+
+02/24/2019
+
+~$2,300
+
+115
+
+Less
+
+MLS 88888
+
+0.3 Miles E
+
+3
+
+$289,000
+
+05/31/2019
+
+$2,700
+
+107
+
+Less
+
+MLS 99999
+
+1.2 Miles W
+
+2
+
+$190,000
+
+08/30/2019
+
+$1,700
+
+112
+
+Most
+
+Indicated Value by Income Approach
+
+Total Monthly Market Rent
+$1,800
+
+×
+
+Gross Rent Multiplier
+110
+
+=
+
+Indicated Value by Income Approach
+$198,000
+
+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 107 to 115. Comparable #3
+is most similar in size and utility and is given most weight. The income approach is considered reliable and provides support for the value
+estimate. Comparable #1’s gross monthly rent estimated due to owner occupancy of one of the units.
+
+Appraiser Reference ID 12345HI Client Reference ID 34205-UHAppraisal Version #3Fannie Mae | Freddie Mac September 20242- to 4-unit Scenario
diff --git a/chunks/txt/a91a4e114a6423ef9c2b621e84f6e634770f46f70220e4888f31712847476b73.txt b/chunks/txt/a91a4e114a6423ef9c2b621e84f6e634770f46f70220e4888f31712847476b73.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d0e1db83ca2216a2562d6f2531d360d1b856b622
--- /dev/null
+++ b/chunks/txt/a91a4e114a6423ef9c2b621e84f6e634770f46f70220e4888f31712847476b73.txt
@@ -0,0 +1,51 @@
+No Outbuilding Section
+
+When the detached garage has no dividing wall, it does not have to be reported as an outbuilding. In this
+example, no outbuilding was reported, so the Outbuilding section does not display.
+
+Vehicle Storage
+
+When the detached garage has no dividing wall, it is reported in the Vehicle Storage section only.
+
+•
+
+In this example, the 500 sq. ft. detached garage is reported.
+
+Sales Comparison Approach
+
+In this example, Comparable #1 has a 400 sq. ft. detached garage with no additional area, and no outbuildings.
+
+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, any adjustment would be made for the differences in garage area.
+
+No Outbuilding Subsection
+
+In this example, the subject and all comparables do not have outbuildings, so the Outbuilding subsection does
+not display.
+
+Appendix F-1: URAR Reference Guide
+
+Page 374 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Appendix 4: Detached Garage Examples
+
+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 375 of 375
+
+Version 1.3
diff --git a/chunks/txt/a91ebbdcbd6f59239fc7bb9c9b0909bad90268dc00e96ea1694db333737dbf33.txt b/chunks/txt/a91ebbdcbd6f59239fc7bb9c9b0909bad90268dc00e96ea1694db333737dbf33.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3a4cf2aa4323007ee0e3d2355699b4003cd024e8
--- /dev/null
+++ b/chunks/txt/a91ebbdcbd6f59239fc7bb9c9b0909bad90268dc00e96ea1694db333737dbf33.txt
@@ -0,0 +1,27 @@
+•
+
+•
+
+•
+
+•
+
+If the monthly qualifying rental income minus the full PITIA is positive, it must be added to the borrower’s total monthly
+income (subject to the limits in Calculating Monthly Qualifying Rental Income (or Loss)).
+If the monthly qualifying rental income minus PITIA is negative, the monthly net rental loss must be added to the
+borrower’s total monthly obligations.
+The full PITIA for the rental property is factored into the amount of the net rental income (or loss); therefore, it should not
+be counted as a monthly obligation.
+The full monthly payment for the borrower's principal residence (full PITIA or monthly rent) must be counted as a
+monthly obligation.
+
+Note: When a borrower owns multiple rental properties, the rental income for all non-subject properties is first calculated for
+each property, then aggregated. The aggregate total of the income (or loss) is then added to the borrower's total monthly income
+or included in their monthly obligations, as applicable.
+
+Offsetting Monthly Obligations for Rental Property Reported through a Partnership or an S Corporation
+
+If gross rents and related expenses are reported through a partnership or S corporation, then any rental income (or loss) must be
+evaluated as self-employment income regardless of the borrower’s percentage of ownership interest or whether the borrower is
+personally obligated on the mortgage debt. However, if the related property is reported on the most recent federal business tax return
+and it’s clear the business is responsible for the payment, the full PITIA can be excluded from the DTI calculation.
diff --git a/chunks/txt/a9201f234420cc65e56ec12e9962f8ba0def26b5cbefb97dfe7706fba4b0445e.txt b/chunks/txt/a9201f234420cc65e56ec12e9962f8ba0def26b5cbefb97dfe7706fba4b0445e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..60b157d82c9af228fae3e3b94b9b8d6bdf943ded
--- /dev/null
+++ b/chunks/txt/a9201f234420cc65e56ec12e9962f8ba0def26b5cbefb97dfe7706fba4b0445e.txt
@@ -0,0 +1,31 @@
+Additional considerations…
+
+• Each instance of the IMAGE container that is included in the XML file must have ImageFileLocationIdentifier populated with the
+
+path to this image in the .zip file. For example,
+<ImageFileLocationIdentifier>\\Images\SF1_HERSScore.png</ImageFileLocationIdentifier>
+a. \\ denotes the root folder of the zip file. All image paths and the PDF Object URL are relative to the root.
+
+• Regardless of how many times an image is displayed on the report, include the image only once in the Images folder of the .zip
+
+file. Image location can be 'pointed to' from multiple places in the XML.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+• Scenario 1: The image shown in the following snippet is used to represent property access, it also is used to represent a site
+
+influence and a view associated with the subject property. In the XML, three instances of the IMAGE container must be included
+as shown in the XML snippet with appropriate ImageCategoryType in each instance and ImageFileLocationIdentifier pointing to
+the same image in all instances. On the report, each ImageCategoryType should display above the image in bold font separated
+by “ – " as shown below.
+
+Page 53
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 54
+
+• Scenario 2: When sales comparables, rental comparables, and gross rent multiplier comparables are all captured in the same
+map, then the map must be included only once in the Images folder of the .zip file. In the XML, three instances of the IMAGE
+container must be included, each populated with appropriate ImageCategoryType and ImageFileLocationIdentifier pointing to
+the same image in all instances as shown below.
diff --git a/chunks/txt/a9243f1aff47cf19c9a82c6cecc756c0caf55cb19045cbf5a327eb38af7d8747.txt b/chunks/txt/a9243f1aff47cf19c9a82c6cecc756c0caf55cb19045cbf5a327eb38af7d8747.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1cfbe5f2725ae0fc76a1e5bc50b33085b8088d95
--- /dev/null
+++ b/chunks/txt/a9243f1aff47cf19c9a82c6cecc756c0caf55cb19045cbf5a327eb38af7d8747.txt
@@ -0,0 +1,103 @@
+The FEMA map number of which the
+subject property is located.
+
+/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[
+@_Type='Alley' and @_OwnershipType='Private']/@_ExistsIndicator
+
+/VALUATION_RESPONSE/PROPERTY/SITE/FLOOD_ZONE/FLOOD_
+ZONE_EXTENSION/FLOOD_ZONE_EXTENSION_SECTION[@Extensi
+onSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/FLOOD_ZONE_EXTENSION_SECTION_DATA/FLOOD_Z
+ONE_INFORMATION[@GSEFEMASpecialFloodHazardAreaIndicator='Y'
+]
+/VALUATION_RESPONSE/PROPERTY/SITE/FLOOD_ZONE/FLOOD_
+ZONE_EXTENSION/FLOOD_ZONE_EXTENSION_SECTION[@Extensi
+onSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/FLOOD_ZONE_EXTENSION_SECTION_DATA/FLOOD_Z
+ONE_INFORMATION[@GSEFEMASpecialFloodHazardAreaIndicator='N'
+]
+/VALUATION_RESPONSE/PROPERTY/SITE/FLOOD_ZONE/FLOOD_
+ZONE_EXTENSION/FLOOD_ZONE_EXTENSION_SECTION[@Extensi
+onSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/FLOOD_ZONE_EXTENSION_SECTION_DATA/FLOOD_Z
+ONE_INFORMATION/@GSENFIPFloodZoneIdentifier
+/VALUATION_RESPONSE/PROPERTY/SITE/FLOOD_ZONE/FLOOD_
+ZONE_EXTENSION/FLOOD_ZONE_EXTENSION_SECTION[@Extensi
+onSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/FLOOD_ZONE_EXTENSION_SECTION_DATA/FLOOD_Z
+ONE_INFORMATION/@GSEFEMAFloodMapIdentifier
+
+Data Point
+Field
+Length
+
+1
+
+1
+
+1
+
+Boolean
+
+Boolean
+
+20
+
+String
+
+22
+
+String
+
+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/@NFIPM
+apPanelDate
+
+10
+
+Date/Time
+
+Data Format:
+yyyy-mm-dd
+
+PDF Display Format:
+mm/dd/yyyy
+
+122
+
+SITE
+
+123
+
+SITE
+
+124
+
+SITE
+
+125
+
+SITE
+
+126
+
+SITE
+
+127
+
+SITE
+
+Are the utilities and off-site
+improvements typical for the
+market area? Yes
diff --git a/chunks/txt/a93853be6a7eaa9bb58dd191edbdd863cec0946f8901ff7ba830f2dcf8b2ac32.txt b/chunks/txt/a93853be6a7eaa9bb58dd191edbdd863cec0946f8901ff7ba830f2dcf8b2ac32.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7c5d20439ce1c7c85e43116feb7ad700d449e401
--- /dev/null
+++ b/chunks/txt/a93853be6a7eaa9bb58dd191edbdd863cec0946f8901ff7ba830f2dcf8b2ac32.txt
@@ -0,0 +1,23 @@
+[​​RFI: Fintech in Housing Finance](/sites/default/files/2024-02/financialtechnology-in-housing-finance-request-for-informationextension.pdf) ***(closed 10/31/2022)***
+
+[View Input Provided here](/public-input/2022-fintech-in-housing-finance-rfi)​ - select “2022 Fintech in Housing Finance RFI" in dropdown menu
+
+[View Summary Responses to the Request for Information on Fintech in Housing Finance](/document/summary-of-responses-to-the-request-for-information-on-fintech-in-housing-finance)
+
+## News
+
+**New!** [FHFA Announces 2024 Generative AI in Housing Finance TechSprint](/news/news-release/fhfa-announces-2024-generative-ai-in-housing-finance-techsprint) (3/20/2024)​
+
+[FHFA Velocity TechSprint webpage](/programs/fintech/techsprint/2023)
+
+[Videos from FHFA Velocity TechSprint](https://www.youtube.com/playlist?list=PLhnt50YUxHmNwKpgXo0nFdcvGWxaD1gpl)
+
+[Summary of Key Themes from FHFA’s Velocity TechSprint](/sites/default/files/2024-01/FHFA-Velocity-TechSprint-An-Analysis-of-Key-Themes-December_2023.pdf) (12/22/2023)
+
+[Blog Post from FHFA Deputy Director Jason Cave on the FHFA Velocity TechSprint](/blog/insights/recapping-fhfas-inaugural-techsprint) (10/20/2023)​
+
+[FHFA Announces Inaugural Housing Finance TechSprint](/news/news-release/fhfa-announces-inaugural-housing-finance-techsprint) (4/4/2023)
+
+[FHFA Extends Deadline to October 31 on RFI on Fintech in Housing Finance](/sites/default/files/documents/Extension-of-RFI_10142022.pdf)​ (10/14/2022)
+
+[Press Release: FHFA Announces Office of Financial Technology](/news/news-release/fhfa-announces-office-of-financial-technology) (7/18/2022)
diff --git a/chunks/txt/a93d71893e7b715ce5248c7b53fe291aa3f807ed6b11a7738e89f008923ec42c.txt b/chunks/txt/a93d71893e7b715ce5248c7b53fe291aa3f807ed6b11a7738e89f008923ec42c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f1d6db245f887613ffd57a91df37eb4a9f3b77d3
--- /dev/null
+++ b/chunks/txt/a93d71893e7b715ce5248c7b53fe291aa3f807ed6b11a7738e89f008923ec42c.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/reports"
+date_accessed: "2026-01-27T17:54:20.638Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/a948644b04e43279af97c01cd0e67aeac73dc1773afb87d05a05355ce2cf8727.txt b/chunks/txt/a948644b04e43279af97c01cd0e67aeac73dc1773afb87d05a05355ce2cf8727.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1dff6369ff69e6eec3faa7c5c7978845b74b634c
--- /dev/null
+++ b/chunks/txt/a948644b04e43279af97c01cd0e67aeac73dc1773afb87d05a05355ce2cf8727.txt
@@ -0,0 +1,107 @@
+Photos or images related to
+the Market section that are
+not specified above, including:
+• Market Area Boundary
+
+17.003
+Search Criteria 17.004
+Other graphs 17.017
+
+•
+•
+
+See 18.012
+
+Required if a physical
+deficiency
+
+See 18.014
+
+Photos or images related to
+the Project Information
+section that are not specified
+above.
+
+If Sales Comparison
+Approach is in the URAR
+
+If Sales Comparison
+Approach is in the URAR
+
+Thumbnails display at the top
+of the sales grid. Full-size
+picture(s) of comps display in
+Sales Comparison Approach
+Exhibits.
+
+Photos or images related to
+the Sales Comparison
+Approach section that are not
+specified above.
+If provided, thumbnails display
+in Comparable Rental
+Properties, and full-size
+picture(s) of rental comps
+display in Rental Information
+Exhibits.
+Can display here, or as one
+map in the Sales Comparison
+Approach section.
+Photos or images related to
+the Rental Information section
+that are not specified above.
+Thumbnails display at the top
+of the GRM comp grid. Full-
+size picture(s) of comps display
+in Income Approach Exhibits.
+
+Map of Rental
+Comparables
+
+An additional caption may be
+provided
+
+If Rental Information is
+in the URAR
+
+Rental Information
+Exhibits
+
+Required for each photo or
+image
+
+24
+
+Income
+Approach
+
+Property Photo (Subject
+and Comparables)
+
+If additional photos of comps
+are provided, a caption
+should be provided to further
+describe the photo
+
+If Income Approach is in
+the URAR
+
+Appendix F-1: URAR Reference Guide
+
+Page 22 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Overview
+
+Section
+#
+
+Section Name
+(Black Tab)
+
+Photo or Image
+(Predefined Caption or
+Gray Bar)
diff --git a/chunks/txt/a9542d65cfc5909fd8659d8eeca25190b2eb707a63e4f51cc56477c61f557b7c.txt b/chunks/txt/a9542d65cfc5909fd8659d8eeca25190b2eb707a63e4f51cc56477c61f557b7c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..96afff3b04dd14c4e56ace1a1bee05eb63320460
--- /dev/null
+++ b/chunks/txt/a9542d65cfc5909fd8659d8eeca25190b2eb707a63e4f51cc56477c61f557b7c.txt
@@ -0,0 +1,41 @@
+Either all of fields 1-158, 1-159, 1-160, 1-
+161, 1-162, 1-163 (Development Stage Type
+= 'Complete') or all of fields 1-164, 1-165, 1-
+166, 1-167, 1-168, 1-169 (Development
+Stage Type = 'Incomplete') should be
+populated. One and only one of these two
+sets of fields should be populated, and the
+other set of fields should be left blank.
+
+Either all of fields 1-158, 1-159, 1-160, 1-
+161, 1-162, 1-163 (Development Stage Type
+= 'Complete') or all of fields 1-164, 1-165, 1-
+166, 1-167, 1-168, 1-169 (Development
+Stage Type = 'Incomplete') should be
+populated. One and only one of these two
+sets of fields should be populated, and the
+other set of fields should be left blank.
+
+Either all of fields 1-158, 1-159, 1-160, 1-
+161, 1-162, 1-163 (Development Stage Type
+= 'Complete') or all of fields 1-164, 1-165, 1-
+166, 1-167, 1-168, 1-169 (Development
+Stage Type = 'Incomplete') should be
+populated. One and only one of these two
+sets of fields should be populated, and the
+other set of fields should be left blank.
+
+One and only one of fields 1-170, 1-171, 1-
+172 (values of Project Primary Occupancy
+Type) should be indicated.
+One and only one of fields 1-170, 1-171, 1-
+172 (values of Project Primary Occupancy
+Type) should be indicated.
+One and only one of fields 1-170, 1-171, 1-
+172 (values of Project Primary Occupancy
+Type) should be indicated.
+
+One and only one of fields 1-173, 1-174
+(values of Project Developer Controls
+Project Management Indicator) must be
+indicated.
diff --git a/chunks/txt/a959b2bb9a8525657836b8feb632220e6034f37bbcb4e589efd158d657c289c0.txt b/chunks/txt/a959b2bb9a8525657836b8feb632220e6034f37bbcb4e589efd158d657c289c0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c1ce6f59941fea02313f86f7fbec1f4d83e69ecf
--- /dev/null
+++ b/chunks/txt/a959b2bb9a8525657836b8feb632220e6034f37bbcb4e589efd158d657c289c0.txt
@@ -0,0 +1,49 @@
+09.024
+
+Signature
+
+[Role]
+
+09.025
+
+09.026
+
+[Contact Name]
+
+09.028
+
+09.027
+Date of Signature and Report
+
+Level
+ID
+State
+Expires
+
+09.029
+
+09.030
+
+09.031
+
+09.032
+
+Completion Version #
+
+Fannie Mae | Freddie Mac
+(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)
+
+HF.002
+
+HF.003
+HF.004
+
+Appraiser Reference ID
+Agency Case File ID
+Client Reference ID
+AMC Reference ID
+
+HF.005
+HF.006
+HF.007
+HF.008
diff --git a/chunks/txt/a95a253e2764af232ad7dd14bd858f2348aa2d6c345d774777ddca366840c5e5.txt b/chunks/txt/a95a253e2764af232ad7dd14bd858f2348aa2d6c345d774777ddca366840c5e5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4fa5e8fd09380239330355453e369f64dfa8cf23
--- /dev/null
+++ b/chunks/txt/a95a253e2764af232ad7dd14bd858f2348aa2d6c345d774777ddca366840c5e5.txt
@@ -0,0 +1,152 @@
+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
+
+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.
+
+T
+
+R
+
+T
+
+R
+
+T
+
+R
+
+R
+
+R
+
+R
+
+Form FNM 1004 FRE 70
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 52 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
+
+259
+
+2
+
+e-6
+
+SALES
+COMPARISON
+APPROACH
+
+View
+
+(ViewType)
+
+GSE View Type
+
+The type of view associated with the
+property.
+
+260
+
+2
+
+e-7
+
+SALES
+COMPARISON
+APPROACH
+
+View
+
+(View Type Other
+Description)
+
+GSE View Type
+
+The type of view associated with the
+property.
+
+261
+
+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.)
diff --git a/chunks/txt/a95b70b02a70be97d672e8a5e75d9096725bce8bc8f14d00b13b62bf2e1d2066.txt b/chunks/txt/a95b70b02a70be97d672e8a5e75d9096725bce8bc8f14d00b13b62bf2e1d2066.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6e9e478b46dd4e46abe9777821ae35162dc80efc
--- /dev/null
+++ b/chunks/txt/a95b70b02a70be97d672e8a5e75d9096725bce8bc8f14d00b13b62bf2e1d2066.txt
@@ -0,0 +1,55 @@
+181
+
+Both
+
+Private Transfer Fee
+Used to identify shared equity loans with a private transfer fee covenant.
+
+184
+
+Both
+
+202
+
+211
+
+Both
+
+Both
+
+212
+
+Both
+
+$500 Housing Counseling LLPA Credit
+Used to apply the applicable loan-level price adjustment credit to the lender for HomeReady®
+loans where the borrower completes housing counseling in accordance with the requirements
+in the Selling Guide.
+
+HUD Section 184 and 184A Mortgage
+Used to identify a HUD-guaranteed Section 184 or Section 184A mortgage.
+Correspondent Third-Party Origination
+Used to identify a mortgage loan that is originated by a party other than a mortgage loan
+seller and is then sold to a mortgage loan seller. A lender correspondent performs the loan
+processing functions (such as taking loan applications; ordering credit reports, appraisals, and
+title reports; and verifying a borrower's income and employment) without the assistance of a
+broker. The lender correspondent typically underwrites the mortgage loan, but correspondent
+loans may also include mortgage loans where the correspondent has not received delegated
+underwriting authority from a mortgage loan seller and, accordingly, did not underwrite the
+loan. The lender correspondent funds the mortgage loan at settlement, and the mortgage loan
+is closed in the name of the lender correspondent, which may or may not service the
+mortgage loan.
+Delivery is optional – code is auto-derived
+
+Broker Third-Party Origination
+Used to identify a mortgage loan that is originated under circumstances where a person or
+firm other than a mortgage loan seller or lender correspondent is acting as a "broker" and
+receives a commission for bringing together a borrower and a lender. The broker performs
+some of the loan processing functions (such as taking loan applications; ordering credit
+reports, appraisals, and title reports; and verifying a borrower's income and employment), but
+does not underwrite the loan, fund the loan at settlement, or service the loan. Typically, the
+mortgage loan is closed in the name of the mortgage loan seller or lender correspondent that
+commissioned the broker’s services; but may also include so-called “table-funded” mortgage
+loans where the loan is closed in the broker’s name but is funded by the mortgage loan seller
+or the lender correspondent.
+Delivery is optional – code is auto-derived
diff --git a/chunks/txt/a95ebde6b41752e6eec62848d0187d49a141417700d7432cf9beb7c95ad9da23.txt b/chunks/txt/a95ebde6b41752e6eec62848d0187d49a141417700d7432cf9beb7c95ad9da23.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f04856fe86f578b45a8491e2b929991200649ebe
--- /dev/null
+++ b/chunks/txt/a95ebde6b41752e6eec62848d0187d49a141417700d7432cf9beb7c95ad9da23.txt
@@ -0,0 +1,47 @@
+Location of ADU – in this example, Location of ADU is ADU/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 369 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.
+
+No Outbuilding Subsection
+
+ADU/Garages do not redisplay in the Outbuilding subsection.
+
+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 4: Workshop with ADU and Vehicle Storage
+
+In this example the subject has a multipurpose outbuilding with 1500 sq. ft. of GBA that includes:
+• 400 sq. ft. 2-car garage (not heated)
+• 600 sq. ft Accessory Dwelling Unit (includes heat and air conditioning)
+• 500 sq. ft. unfinished space used as a workshop - (not heated)
+Outbuilding Type is selected as Other, and described as ADU/Workshop/Garage.
diff --git a/chunks/txt/a965b733af086eb23c65d9e55cc612598cb7462ec51a7f15c863f4e5a7c48ed1.txt b/chunks/txt/a965b733af086eb23c65d9e55cc612598cb7462ec51a7f15c863f4e5a7c48ed1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0949b17cda549ecf8b10218d43cd5ccfb5a9f52e
--- /dev/null
+++ b/chunks/txt/a965b733af086eb23c65d9e55cc612598cb7462ec51a7f15c863f4e5a7c48ed1.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/policy/credit-scores"
+date_accessed: "2026-01-27T17:54:20.432Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/a968f05b9c9bc76ac2b3c7f10cdfd6d09f4f0033c18861781ae22148cb09b925.txt b/chunks/txt/a968f05b9c9bc76ac2b3c7f10cdfd6d09f4f0033c18861781ae22148cb09b925.txt
new file mode 100644
index 0000000000000000000000000000000000000000..01cdc6dc8c3262d52f8b48dbb7cae2f5e46b9ceb
--- /dev/null
+++ b/chunks/txt/a968f05b9c9bc76ac2b3c7f10cdfd6d09f4f0033c18861781ae22148cb09b925.txt
@@ -0,0 +1,128 @@
+Water Heater
+
+Yes No
+ 
+
+Apparent Defects, Damages, Deficiencies (Dwelling Exterior - Building 1)
+
+None
+
+Dwelling Exterior Commentary
+
+Each unit has its own centralized, thermostatically controlled HVAC.
+
+Unit Interior - Building 1 - Unit A
+
+Area Breakdown
+
+Finished Above Grade
+Unfinished Above Grade
+Finished Below Grade
+Unfinished Below Grade
+
+Area Data Source
+
+Level and Room Detail
+
+1,190 Sq. Ft.
+0 Sq. Ft.
+0 Sq. Ft.
+0 Sq. Ft.
+Physical Measurement
+
+Levels in Unit
+Floor Number
+Occupancy
+Utilities Separately Metered
+Total Bedrooms
+Total Bathrooms - Full
+Total Bathrooms - Half
+
+1
+1
+Tenant
+Yes
+2
+2
+0
+
+Level in Unit
+Level 1
+
+Grade Level Detail
+ Above Grade
+
+Finish
+Finished
+
+Area
+1,190 Sq. Ft.
+
+Room Summary
+2 - Bath - Full
+2 - Bedroom
+1 - Dining Room
+1 - Kitchen
+1 - Living Room
+
+Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 6 of 26
+
+Unit Interior - Building 1 - Unit A (continued)
+
+Quality and Condition
+
+Interior Quality Rating
+
+Q4
+
+Interior Condition Rating
+
+C3
+
+The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report
+
+Kitchen and Bathroom Details
+
+Room
+Kitchen
+Level 1
+
+Bath - Full
+Level 1
+
+Bath - Full
+Level 1
+
+Update Status
+Not Updated
+
+Not Updated
+
+Not Updated
+
+Time Frame
+
+Quality Comment
+
+Condition Comment
+
+Condition Status
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+Overall Update Status for
+Bathrooms
+
+Not Updated
+
+Interior Features
+
+Feature
+Flooring
diff --git a/chunks/txt/a969fd6e2f029e27fa0e625f3b7feb3f32312ebc493799513b38bb24e2707c3f.txt b/chunks/txt/a969fd6e2f029e27fa0e625f3b7feb3f32312ebc493799513b38bb24e2707c3f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2beb06bf7a996617c538c4c6da6f2b25b392516d
--- /dev/null
+++ b/chunks/txt/a969fd6e2f029e27fa0e625f3b7feb3f32312ebc493799513b38bb24e2707c3f.txt
@@ -0,0 +1,21 @@
+[Fannie Mae Credit Score Solicitation](http://singlefamily.fanniemae.com/originating-underwriting/credit-score-models)*(2/18/2020)*
+
+Freddie Mac Credit Score Solicitation​*(2/28/2020)*
+
+**Final Rule Resources**
+
+News Release: [FHFA Publishes Final Rule on Credit Score Models](/news/news-release/fhfa-publishes-final-rule-on-credit-score-models)*(8/13/2019)*
+
+Final Rule: [Validation and Approval of Credit Score Models](/regulation/federal-register/proposed-rulemaking/validation-and-approval-of-credit-score-models) *(8/13/2019)*
+
+Fact Sheet: [Validation and Approval of Credit Score Models - Final Rule](/sites/default/files/2023-03/validation-and-approval-of-credit-score-models-final-rule.pdf) *(8/13/2019)*
+
+**Proposed Rule Resources**
+
+Webinar Recording: [Validation and Approval of Credit Score Models Proposed Rule](https://youtu.be/2NbOt58V_vI)*(1/9/2019)*
+
+Webinar Transcript: [Validation and Approval of Credit Score Models Proposed Rule](/sites/default/files/2023-05/192019_Webinar-FHFA-validation-transcript.pdf) *(1/9/2019)*
+
+Webinar Slide Presentation: [Validation and Approval of Credit Score Models Proposed Rule](/sites/default/files/2023-05/CS-validation-and-approval-prop-rule-webinar-PPT.pdf) *(1/9/2019)*
+
+Proposed Rule: [Validation and Approval of Credit Score Models by the Enterprises](/news/fact-sheet/validation-and-approval-of-credit-score-models-by-the-enterprises)*(12/13/2018)*
diff --git a/chunks/txt/a96fbbbb179ae95e3eb11c86c029db72a8993d090ff2d4c8ea580e338569a134.txt b/chunks/txt/a96fbbbb179ae95e3eb11c86c029db72a8993d090ff2d4c8ea580e338569a134.txt
new file mode 100644
index 0000000000000000000000000000000000000000..203780f6d6465e57ccd2f0dbb4b496a6e357a950
--- /dev/null
+++ b/chunks/txt/a96fbbbb179ae95e3eb11c86c029db72a8993d090ff2d4c8ea580e338569a134.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/data/pudb"
+date_accessed: "2026-01-27T17:54:20.590Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/a981f00e6e5fbb30fa656732131ca853ee7aff47753a538aaaa0f38b1dd1f162.txt b/chunks/txt/a981f00e6e5fbb30fa656732131ca853ee7aff47753a538aaaa0f38b1dd1f162.txt
new file mode 100644
index 0000000000000000000000000000000000000000..17b0eeb1a013681452490363812bf55862f1c38e
--- /dev/null
+++ b/chunks/txt/a981f00e6e5fbb30fa656732131ca853ee7aff47753a538aaaa0f38b1dd1f162.txt
@@ -0,0 +1,5 @@
+Certifications and Intended Use/User ............................................................................................................ 89
+
+Intended Use (H1) ............................................................................................................................................... 89
+
+Intended User (H1) ............................................................................................................................................. 89
diff --git a/chunks/txt/a98b949d7c17a2004c54de27bacbc43d254ee9bc2aebf27434e61e1f138d06ae.txt b/chunks/txt/a98b949d7c17a2004c54de27bacbc43d254ee9bc2aebf27434e61e1f138d06ae.txt
new file mode 100644
index 0000000000000000000000000000000000000000..156dbf744333ba16aa93efb1fbda4baceba74290
--- /dev/null
+++ b/chunks/txt/a98b949d7c17a2004c54de27bacbc43d254ee9bc2aebf27434e61e1f138d06ae.txt
@@ -0,0 +1,5 @@
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page iii of 76
diff --git a/chunks/txt/a98d51d82d91cebdc235487c4c0e1bcdeafd094758a30ac764c06631dbbba15d.txt b/chunks/txt/a98d51d82d91cebdc235487c4c0e1bcdeafd094758a30ac764c06631dbbba15d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..89314700e9f78bc8fef8cb9090c9525bef1f44bf
--- /dev/null
+++ b/chunks/txt/a98d51d82d91cebdc235487c4c0e1bcdeafd094758a30ac764c06631dbbba15d.txt
@@ -0,0 +1,75 @@
+Client/Lender
+
+The AMC is the client
+
+− PartyRoleType (UID: 2400.0367, FID: 08.006) = “Client”
+− PartyRoleType (UID: 2400.0365, FID: 08.007) =
+
+“ManagementCompany”
+
+Client/Appraisal Management
+Company
+
+Another entity -
+Attorney
+
+Another entity -
+Investor
+
+Another entity -
+Client
+
+− PartyRoleType (UID: 2400.0367, FID: 08.006) = “Client”
+− PartyRoleType (UID: 2400.0365, FID: 08.007) = “Attorney”
+
+− PartyRoleType (UID: 2400.0367, FID: 08.006) = “Client”
+− PartyRoleType (UID: 2400.0365, FID: 08.007) = “Investor”
+
+Client/Attorney
+
+Client/Investor
+
+− PartyRoleType (UID: 2400.0367, FID: 08.006) = “Client”
+− PartyRoleType (UID: 2400.0365, FID: 08.007) = “Other”
+
+PartyRoleTypeOtherDescription (UID: 2400.0366, FID: 08.007)
+
+Client/[Other Description]
+
+Clients
+
+Clients
+
+Clients
+
+Clients
+
+Clients
+
+The AMC is not the
+client
+
+− PartyRoleType (FID: 2400.0365, UID: 08.007) =
+
+“ManagementCompany”
+
+Appraisal Management
+Company
+
+When Lender/AMC is not the
+Client
+
+Example showing Client/Lender and AMC
+In this example, credentials (licensing information) are reported for the AMC. (Figure 08 - 2)
+
+Figure 08 - 2
+
+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, 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: 2400.0365, FID: 08.007) to identify the type of client.
diff --git a/chunks/txt/a990127789d977b1de0adc84765aab8ba172f3b87127246e3b29ba50dc8977e1.txt b/chunks/txt/a990127789d977b1de0adc84765aab8ba172f3b87127246e3b29ba50dc8977e1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c1b77a28f4d89773251887262e3c8ba238e49365
--- /dev/null
+++ b/chunks/txt/a990127789d977b1de0adc84765aab8ba172f3b87127246e3b29ba50dc8977e1.txt
@@ -0,0 +1,41 @@
+On/after March 1: All loans that run package edits on/after March 1 will receive the Mission Index values based on the new
+methodology. To receive scores based on the new methodology for the loans in Loan Delivery submitted prior to March 1
+but not yet closed/purchase ready, you must click “Run and Save Edits”.
+
+For details on the Mission Index Display in Loan Delivery, see Loan Delivery Mission Index Job Aid. And more information on
+the Social Bond Framework and the Mission Index can be found on Fannie Mae’s website and via our Perspectives blog:
+“Mission in Focus: Enhanced Disclosures Lay the Groundwork for Single-Family Social MBS.”
+
+© 2023 Fannie Mae Page 4 of 10
+
+Mar 25, 2024
+
+Duty to Serve
+
+Beginning on March 25, 2024, lenders will no longer be required to add Special Feature Code (SFC) 874, Duty to Serve LLPA
+Waiver, to loans at the time of delivery. Loan Delivery will validate when loans are eligible for the LLPA waiver and
+automatically populate the SFC on the loans.
+
+Mar 25, 2024
+
+ULDD Phase 5
+
+To support the first implementation of ULDD phase 5, Loan Delivery will introduce
+
+• User Interface (UI) changes
+
+o New “Temporary Buydown Amount” field on the user interface (UI) on the Loan Details page in the Closing Cost
+
+section
+
+o New “Servicing Transfer Effective Date” field on the user interface (UI) on the Loan Details page in the General
+
+Loan Information section
+
+•
+
+Edit updates
+
+o New informational edits around Appraisal and Buydown Amount (Note: These edits are not displayed on the UI.
+Informational edits can be viewed on the “Edits CSV” export prior to loans being submitted. Download the “Edit
+History CSV” export in Loan Delivery to view the edits)
diff --git a/chunks/txt/a9ad07aadd37ab49dfe88de786a0bf3c9775eb75d56bab8274e3942de71b6752.txt b/chunks/txt/a9ad07aadd37ab49dfe88de786a0bf3c9775eb75d56bab8274e3942de71b6752.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8d67a050596b0e29a85b2ca6bc9af448a046ce26
--- /dev/null
+++ b/chunks/txt/a9ad07aadd37ab49dfe88de786a0bf3c9775eb75d56bab8274e3942de71b6752.txt
@@ -0,0 +1,58 @@
+Uniform Appraisal Dataset (UAD) Specification
+
+Issued by Fannie Mae and Freddie Mac
+Appendix D‐3: Completion Report Scenario – Repair (CR1)
+Document Version 1.2
+September 17, 2024
+
+This document relates to the Uniform Mortgage Data Program®, an effort undertaken jointly by Freddie Mac and Fannie Mae at the direction of the
+Federal Housing Finance Agency.
+© 2024 Fannie Mae and Freddie Mac. Trademarks of the respective owners.
+
+Revision History
+
+Date
+
+Version #  Revision Description
+
+09/17/2024
+
+12/12/2023
+
+1.2
+
+1.1
+
+See Appendix D‐3: Completion Report Sample Scenario Matrix for complete
+list of updates.
+See Appendix D‐3: Completion Report Sample Scenario Matrix for complete
+list of updates.
+
+03/29/2023
+
+1.0
+
+Initial Publication
+
+Introduction
+
+The appraisal was initially made subject to repair as the hot water heater did not appear to be
+operational. The property was later reinspected, and the water heater is reported to have been
+repaired. However, additional damage was noted as the carpet within the basement was damaged due
+to a water leak prior to the repair of the hot water heater. Thus, the carpet is required to be replaced as
+this may have impacted the original assignment results.
+
+Note: It is not typical for a Completion Report to identify new issues. This scenario is intended to be an
+example of what the report and XML would reflect in the rare instance when this occurs.
+
+Key Characteristics
+
+ Multiple defects noted
+
+o Original: Water heater non‐operational
+o New: Carpet damage due to water leak
+
+ Market Value Condition remains Subject to Repair
+
+Note: Photos (including “blank” photos) are used for examples only and do not necessarily correlate to
+information in the completion report.
diff --git a/chunks/txt/a9adcd93742f62e9c3309f9f4f6a8e656b0670836858e1c1c11ee01ac1a88b57.txt b/chunks/txt/a9adcd93742f62e9c3309f9f4f6a8e656b0670836858e1c1c11ee01ac1a88b57.txt
new file mode 100644
index 0000000000000000000000000000000000000000..80ee8e4f902a7a1cabb47acac364feb54523c726
--- /dev/null
+++ b/chunks/txt/a9adcd93742f62e9c3309f9f4f6a8e656b0670836858e1c1c11ee01ac1a88b57.txt
@@ -0,0 +1,68 @@
+Loan Delivery Enhancements
+Quick Guide for Loan Delivery Enhancements
+
+This Loan Delivery Enhancements guide provides access to this year’s previous, current, and upcoming Loan Delivery updates 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 16, 2024
+
+Just Released
+
+Effective
+Date
+Dec 16, 2024
+
+Impacted Area
+
+Description
+
+Edit Updates
+
+See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates
+including:
+
+•
+•
+
+2 edits for HomeStyle Renovation and 2 edits validating eNote eligibility moving from informational to warning
+2 edits moving from warning to fatal to validate modified loan data
+
+On the Horizon
+
+Effective
+Date
+Jan 27, 2025
+
+Impacted Area
+
+Description
+
+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 edit moving from informational to warning to validate interest rate
+2 DU compare edits moving form warning to fatal to validate monthly income
+
+© 2023 Fannie Mae Page 1 of 10
+
+Effective
+Date
+Feb 3, 2025
+
+Impacted Area
+
+Wire Instructions
+Update
+
+Description
+
+Effective February 3, 2025, the Seller’s Designation of Wire Transfer Instructions (Form 482) will be updated for sellers to
+provide Beneficiary Address (street, city, state, zip) information for whole loan purchases. This will be a new requirement to
+conform to the Federal Reserve’s ISO 20022 standards. The required beneficiary address is the address of the business entity
+receiving the funds.
diff --git a/chunks/txt/a9b5089a7fcd148964cd6319ef0520e40dc7fb9f8753d6d54d290660e49f19b8.txt b/chunks/txt/a9b5089a7fcd148964cd6319ef0520e40dc7fb9f8753d6d54d290660e49f19b8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..93b77f5697522df036aced271de95c70f13c5c4c
--- /dev/null
+++ b/chunks/txt/a9b5089a7fcd148964cd6319ef0520e40dc7fb9f8753d6d54d290660e49f19b8.txt
@@ -0,0 +1,183 @@
+RegulationZPointsAn
+dFeesIndicator
+
+true
+
+FullName
+
+Insurance Co.
+
+ROF as
+“Homeowner’s
+Insurance Premium”
+
+Not Shown –
+ATR/QM
+
+Company name of
+payee
+
+PrepaidItemActualPa
+ymentAmount
+
+1209.96
+
+ROF as “$1,209.96”
+
+PrepaidItemPayment
+PaidByType
+
+Buyer
+
+ROF as “Borrower-
+Paid”
+
+PrepaidItemPayment
+TimingType
+
+BeforeClosing
+
+Appendix E: UCD Implementation Guide
+
+Page 131 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+8.0 Other Costs Table
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute MISMO v3.3.0 Value
+
+Notes
+
+Figure 84. Prepaids
+
+8.6.1 N/A
+
+8.6 N/A –XML
+
+8.6.1 Mortgage Insurance
+
+Premium (# mo. to
+____)
+
+8.6
+
+8.6
+
+Mortgage Insurance
+Premium
+
+Mortgage Insurance
+Premium
+
+N/A - GSE
+
+UID
+8.242
+
+8.6.1 Mortgage Insurance
+
+Premium (# mo. to
+_____)
+
+8.6.2 Borrower-Paid Before
+
+Closing Mortgage
+Insurance Premium
+
+8.6.2 Borrower-Paid
+
+8.6.2 At Closing
+
+8.6.1 N/A
+
+8.7 N/A - XML
+
+8.7 Prepaid Interest
+
+8.7.1 Prepaid Interest from
+___ to ___ ($ per
+day)
+
+8.7.1 Prepaid Interest from
+
+___ to ___ ($ per
+day)
+
+Second Instance of PREPAID_ITEM
+
+…/PREPAID_ITEM/PR
+EPAID_ITEM_DETAIL
+
+FeePaidToType
+
+ThirdPartyProvider
+
+Not Shown –
+ATR/QM
+
+IntegratedDisclosure
+SectionType
+
+Prepaids
+
+Not Shown
+
+PrepaidItemMonthsP
+aidCount
+
+1
+
+ROF as “(1 mo.)”
+
+PrepaidItemType
+
+MortgageInsurancePr
+emium
+
+ROF as “Mortgage
+Insurance Premium”
+
+@gse:DisplayLabelTe
+xt
+
+MortgageInsurancePr
+emium
+
+ROF as “Mortgage
+Insurance Premium”
+
+RegulationZPointsAn
+dFeesIndicator
+
+true
+
+FullName
+
+MI Co.
+
+Not Shown –
+ATR/QM
+
+Company name of
+payee
+
+PrepaidItemActualPa
+ymentAmount
+
+109.00
+
+ROF as “$109.00”
+
+PrepaidItemPayment
+PaidByType
diff --git a/chunks/txt/a9b540c76c7eb6be951e0f9fb9181b87dfa4bb76c00b1ec958f46ff79e805730.txt b/chunks/txt/a9b540c76c7eb6be951e0f9fb9181b87dfa4bb76c00b1ec958f46ff79e805730.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d95350e377aae79d961646f7ae137cfeb47e4cda
--- /dev/null
+++ b/chunks/txt/a9b540c76c7eb6be951e0f9fb9181b87dfa4bb76c00b1ec958f46ff79e805730.txt
@@ -0,0 +1,45 @@
+---
+source_url: "https://www.usa.gov/"
+date_accessed: "2026-01-27T17:47:50.041Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-W8LW6DB]* [Skip to main content](#skip-to-h1)
+
+![image](/themes/custom/usagov/images/favicon-57.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![image](/themes/custom/usagov/assets/img/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![image](/themes/custom/usagov/assets/img/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock icon ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+document.getElementById('gov-banner-default').setAttribute('hidden', 'until-found'); [Home](/) Close
+
+Search ![Search](/themes/custom/usagov/components/searchbar/images/search--dark.svg) [1-844-USAGOV1](/phone)
+
+- [All topics and services](/#all-topics-header) - [The U.S. and its government](/about-the-us)
+ - [Complaints](/complaints)
+ - [Disability services](/disability-services)
+ - [Disasters and emergencies](/disasters-and-emergencies)
+ - [Education](/education)
+ - [Government benefits](/benefits)
+ - [Health](/health)
+ - [Housing help](/housing-help)
+ - [Immigration and U.S. citizenship](/immigration-and-citizenship)
+ - [Jobs, labor laws and unemployment](/jobs-labor-laws-unemployment)
+ - [Laws and legal issues](/laws-and-legal-issues)
+ - [Military and veterans](/military-and-veterans)
+ - [Money and credit](/money)
+ - [Scams and fraud](/scams-and-fraud)
+ - [Small business](/small-business)
+ - [Taxes](/taxes)
+ - [Travel](/travel)
+ - [Voting and elections](/voting-and-elections)
+ - [Life events](/life-events)
+ - [About USAGov](/about)
diff --git a/chunks/txt/a9b5af7ff4e21082f8c9645672fb7ee037a16b7b5dab35aa5c85c121fef50d72.txt b/chunks/txt/a9b5af7ff4e21082f8c9645672fb7ee037a16b7b5dab35aa5c85c121fef50d72.txt
new file mode 100644
index 0000000000000000000000000000000000000000..06890da2a212ff6102230a206fba13db44a141ed
--- /dev/null
+++ b/chunks/txt/a9b5af7ff4e21082f8c9645672fb7ee037a16b7b5dab35aa5c85c121fef50d72.txt
@@ -0,0 +1,138 @@
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘0’]/PRIOR
+_SALES/@DataSourceEffectiveDate
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N’]/PRI
+OR_SALES/PRIOR_SALES_EXTENSION/PRIOR_SALES_EXTENSIO
+N_SECTION[@ExtensionSectionOrganizationName
+='UNIFORM APPRAISAL DATASET ']/
+PRIOR_SALES_EXTENSION_SECTION_DATA/PRIOR_SALE/@GSEP
+riorSaleDate
+
+10
+
+Date/Time
+
+Data Format:
+yyyy-mm-dd
+
+PDF Display Format:
+mm/dd/yyyy
+UAD Requirement - Refer to Appendix D Sales Comparison Approach
+Section
+
+10
+
+Date/Time
+
+Data Format:
+yyyy-mm-dd
+
+PDF Display Format:
+mm/dd/yyyy
+
+At least one instance of this field is required
+(i.e. for at least one comp) if field 2-111
+(Comparable Has Prior Sales Indicator = 'Y') is
+indicated.
+
+T
+
+CR
+
+CR
+
+T
+
+CR
+
+CR
+
+T
+
+CR
+
+CR
+
+R
+
+R
+
+CR
+
+Form FNM 2055 FRE 2055
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 201 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
+
+At least one instance of this field is required
+(i.e. for at least one comp) if field 2-111
+(Comparable Has Prior Sales Indicator = 'Y') is
+indicated.
+
+CR
+
+365
+
+366
+
+2
+
+2
+
+119
+
+120
+
+SALES
+COMPARISON
+APPROACH
+
+Price of Prior Sale/Transfer
+COMPARABLE
+
+Property Sales
+Amount
+
+The sales price of the referenced property.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier=‘1..N’]/PRI
+OR_SALES/@PropertySalesAmount
diff --git a/chunks/txt/a9d7551b0e909d7d8abd3fdc5da73f203f24dfe58181f333023a1831127f58dd.txt b/chunks/txt/a9d7551b0e909d7d8abd3fdc5da73f203f24dfe58181f333023a1831127f58dd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..941f092820c80032411b81fb92a62acc155569fe
--- /dev/null
+++ b/chunks/txt/a9d7551b0e909d7d8abd3fdc5da73f203f24dfe58181f333023a1831127f58dd.txt
@@ -0,0 +1,45 @@
+900000
+
+false
+
+false
+
+false
+
+true
+
+true
+
+false
+
+false
+
+false
+
+Purchase
+
+SingleEntityGreatestNumberOfUnitsOwned
+
+3 units owned by developer are for sale.
+
+Neutral
+
+Assignment
+
+The client has requested a desktop appraisal which requires no inspection of the subject property from the appraiser. All information regarding the quality and condition of the property will be made through the use of MLS photos and a conversation with the listing real estate agent. Dimensions of the home have been provided by the builder and a 3D scan was completed by the real estate agent.
+
+SubjectProperty
+
+The subject property is a single family detached site condominium. The land it sits on is not owned in common with the condominium association referenced in the subject property's legal description. All units in the project consist of similar detached site condominiums.
+
+Market
+
+The subject is located in a golf course community so comparable selection focused on properties with similar influences. The subject is considered a site condominium, which means the dwelling is maintained by the owner, the land is not owned in common, but the legal description has an undivided interest. These property types are somewhat unique so finding sales with the same ownership rights is more limited. There is no measurable impact to marketability within this area.
+
+SiteInfluences
+
+The subject property backs to a golf course with views of the 15th hole. The property does sit back from the course and is unaffected by stray golf balls.
+
+ProjectFactors
+
+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.
diff --git a/chunks/txt/a9d760c91c7e2ef6adbb4c3d85270ea02c2b579f43c41d674dfa16bf4e0cd809.txt b/chunks/txt/a9d760c91c7e2ef6adbb4c3d85270ea02c2b579f43c41d674dfa16bf4e0cd809.txt
new file mode 100644
index 0000000000000000000000000000000000000000..28e71443f0489cd71cc4d9ede51800f0fd59feb1
--- /dev/null
+++ b/chunks/txt/a9d760c91c7e2ef6adbb4c3d85270ea02c2b579f43c41d674dfa16bf4e0cd809.txt
@@ -0,0 +1,39 @@
+• A qualified attorney engaged by the lender must review the condo project legal documents and
+
+•
+
+•
+
+determine that the documents are in compliance with Fannie Mae's requirements.
+This determination must be documented by the attorney in writing but need not rise to the level of a
+formal, written legal opinion. The attorney may be the same person who prepared the legal
+documents, or an attorney employed by the lender, but they cannot be an employee, principal, or
+officer of the developer or sponsor of the project.
+The lender must complete the Warranty of Condominium Project Legal Documents (Form 1054) and
+attach the attorney review as part of the PERS submission process.
+
+The lender submits the complete project package, including all relevant supporting documentation, via email
+using the PERS Project Submission mailbox. See Selling Guide E-1-02, List of Contacts.
+
+A member of the Project Standards team reviews the package to determine if the project is eligible for
+approval.
+
+Upon completion of the review, Fannie Mae issues its decision to the lender via email and posts approved
+projects on its website. See Condo, Co-op, and Planned Unit Development (PUD) Eligibility for approved
+projects listed for each state, the District of Columbia, and the U.S. Virgin Islands.
+
+Fannie Mae informs the lender of the specific review fee assessed for each PERS submission. Lenders are
+billed for PERS review fees in their “Monthly Technology Invoice.” For fees, see the Project Eligibility Review
+Service (PERS) Overview on Fannie Mae's website.
+
+3.
+
+4.
+
+5.
+
+6.
+
+7.
+
+Required Forms for Standard PERS Submission
diff --git a/chunks/txt/a9dc364d524b4190ea34dbfc8435e9c8d6e3b53dfb5b75f684c0cf2ae8741057.txt b/chunks/txt/a9dc364d524b4190ea34dbfc8435e9c8d6e3b53dfb5b75f684c0cf2ae8741057.txt
new file mode 100644
index 0000000000000000000000000000000000000000..82070903fb2ba6f85b326d31ba9f356da0364cbd
--- /dev/null
+++ b/chunks/txt/a9dc364d524b4190ea34dbfc8435e9c8d6e3b53dfb5b75f684c0cf2ae8741057.txt
@@ -0,0 +1,77 @@
+Add comment if needed.
+
+Moderately Updated
+
+Apparent Defects, Damages, Deficiencies (Unit Interior - Building 2 - Unit 2)
+
+The items listed below represent the As Is condition as of the effective date of this report
+
+Feature
+Cabinetry
+
+Cabinetry
+
+Location
+Bathroom
+
+Kitchen
+
+Description
+Some hardware noted to be missing from
+cabinets exhibiting moderate wear and tear.
+
+Affects Soundness or
+Structural Integrity
+No
+
+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 20242- to 4-unit Scenario
+
+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 20242- to 4-unit Scenario
diff --git a/chunks/txt/a9df1a3e58c1db7a969c018dafa970f279b2710b24539870314d7637f2289d84.txt b/chunks/txt/a9df1a3e58c1db7a969c018dafa970f279b2710b24539870314d7637f2289d84.txt
new file mode 100644
index 0000000000000000000000000000000000000000..46c76488ff243c1d6f3be6f4ee7130056f4d73d9
--- /dev/null
+++ b/chunks/txt/a9df1a3e58c1db7a969c018dafa970f279b2710b24539870314d7637f2289d84.txt
@@ -0,0 +1,73 @@
+Co-Borrower Ethnicity
+1 -- Hispanic or Latino
+2 -- Not Hispanic or Latino
+3 -- Information not provided by borrower in mail, Internet, or telephone application
+5 -- No Co-Borrower
+
+Co-Borrower Race 2
+1 -- American Indian or Alaska Native
+2 -- Asian
+3 -- Black or African American
+4 -- Native Hawaiian or Other Pacific Islander
+5 -- White
+6 -- Information not provided by borrower in mail, Internet, or telephone application
+8 -- No Co-borrower
+
+Co-Borrower Race 3
+1 -- American Indian or Alaska Native
+2 -- Asian
+3 -- Black or African American
+4 -- Native Hawaiian or Other Pacific Islander
+5 -- White
+6 -- Information not provided by borrower in mail, Internet, or telephone application
+8 -- No Co-borrower
+
+Page 4 of 5
+
+Column
+75 CoRace4
+
+76 CoRace5
+
+77 HOEPA
+
+78 LienStatus
+
+79 SpcHsgGoals
+
+80 FedFinStbltyPlan
+
+81 AcqTyp
+
+82 GSEREO
+
+AMA_PUDB_definitions_123115.xlsx
+
+Definition
+Co-Borrower Race 4
+1 -- American Indian or Alaska Native
+2 -- Asian
+3 -- Black or African American
+4 -- Native Hawaiian or Other Pacific Islander
+5 -- White
+6 -- Information not provided by borrower in mail, Internet, or telephone application
+8 -- No Co-borrower
+
+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)
diff --git a/chunks/txt/a9dfa500a2579a6bafcd588e01c82ee2218627983b4dc33476eb83dcfcdbf6ea.txt b/chunks/txt/a9dfa500a2579a6bafcd588e01c82ee2218627983b4dc33476eb83dcfcdbf6ea.txt
new file mode 100644
index 0000000000000000000000000000000000000000..55aef852d33fdbad3e8f6f21cabee6e50a438511
--- /dev/null
+++ b/chunks/txt/a9dfa500a2579a6bafcd588e01c82ee2218627983b4dc33476eb83dcfcdbf6ea.txt
@@ -0,0 +1,43 @@
+- ## FOIA
+
+![person looking at document](/sites/default/files/2023-02/images_0.jpg)
+
+The FOIA is a federal law that provides a right of access to many federal agency..
+
+[Read More](/about/foia-office)
+
+- ## Privacy
+
+![Phone with lock icon next to pencil and glasses](/sites/default/files/2023-05/dan-nelson-ah-HeguOe9k-unsplash.jpg)
+
+The [Privacy Act of 1974, 5 U.S.C. § 552a](http://www.justice.gov/opcl/privstat.htm), establishes a code of fair information...
+
+[Read More](/about/privacy)
+
+- ## Reading Room
+
+![placeholder image](/sites/default/files/2023-02/The%2BBest%2BWays%2BTo%2BSecure%2BPaper%2BDocuments_0.jpg)
+
+The Freedom of Information Act (FOIA) Reading Room is a searchable archive...
+
+[Read More](/about/foia-reading-room)
+
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
diff --git a/chunks/txt/a9eb01f585030274c008b5e3f2be96f423274743db4500c57d641a7a27352ba8.txt b/chunks/txt/a9eb01f585030274c008b5e3f2be96f423274743db4500c57d641a7a27352ba8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f7c3828c7ee29f7bfe56b5386811d67476724065
--- /dev/null
+++ b/chunks/txt/a9eb01f585030274c008b5e3f2be96f423274743db4500c57d641a7a27352ba8.txt
@@ -0,0 +1,130 @@
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais
+alInspectionPropertyType=‘Subject’ and @AppraisalInspectionType=‘None’]
+
+533
+
+6
+
+39
+
+APPRAISER
+CERTIFICATION
+
+Did inspect exterior of subject
+property from street
+
+Appraisal
+Inspection Type
+
+Specifies the extent of the property
+inspection.
+
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais
+alInspectionPropertyType=‘Subject’ and
+@AppraisalInspectionType=‘ExteriorOnly’]
+
+PDF Display Format:
+mm/dd/yyyy
+
+1
+
+1
+
+Enumerated
+
+Enumerated
+
+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.
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+Form FNM 1073 FRE 465
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 125 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
+
+Note: fields 6-40 and 6-42 populate the same MISMO container.
+
+534
+
+6
+
+40
+
+APPRAISER
+CERTIFICATION
+
+Date of Inspection from street
+
+Inspection Date
+
+The date the inspection of the property
+was performed.
+
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/INSPECTION[@Apprais
+alInspectionPropertyType=‘Subject’ and
+@AppraisalInspectionType=‘ExteriorOnly’]/@InspectionDate
diff --git a/chunks/txt/a9f4ae9c1f7b8c4013f7f35b64f833ef1f5cc63bec3222834cc998d898d473da.txt b/chunks/txt/a9f4ae9c1f7b8c4013f7f35b64f833ef1f5cc63bec3222834cc998d898d473da.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3180843b06f8b525eb23becd8586d176de577f7a
--- /dev/null
+++ b/chunks/txt/a9f4ae9c1f7b8c4013f7f35b64f833ef1f5cc63bec3222834cc998d898d473da.txt
@@ -0,0 +1,75 @@
+Manufactured Home Secured
+Property Type: Manufactured Home
+Secured Property Type is a new HMDA
+data element that indicates whether a
+manufactured home loan was secured
+by the land and home, or only the
+home.104 Because the Enterprises did
+not purchase manufactured home loans
+secured only by the home in 2018, they
+did not collect this data element and,
+
+98 12 CFR 1003.4(a)(36).
+99 12 CFR 1003.4(a)(37).
+100 12 CFR 1003.4(a)(22); 1026.32(b)(6)(i).
+101 12 CFR 1003.4(a)(38).
+102 Regulation C requires applying the factors set
+out in the Official Interpretation of Regulation Z, 12
+CFR 1026.3(a), to determine whether single-family
+principle or second residence loans are Business or
+Commercial Purpose. See Official Interpretations to
+Regulation C, 12 CFR 1003.4(a)(38) and
+1003.3(c)(10) (comment 3(c)(10)–2). The Enterprises
+do not collect data required to make such
+determinations.
+
+103 See Official Interpretations, 4(a)(38), 3(c)(10)–
+
+3(i) and 3(iii).
+
+104 12 CFR 1003.4(a)(29).
+
+therefore, it is not available for
+inclusion in the Single-Family PUDB.
+The Enterprises did purchase
+manufactured home loans secured by
+both the land and the home in 2018.
+These loan purchases will be disclosed
+in the PUDB Single-Family Census Tract
+File under the Construction Method
+data element, which, as discussed above
+in Section II.B.2.i., identifies whether
+the property is Site Built or a
+Manufactured Home.
+
+Total Points and Fees: Total Points
+and Fees is a new HMDA data element
+that applies to loans covered by the
+Ability to Repay rule that were not
+subject to the TRID closing disclosure
+requirement and, therefore, cannot
+report the TRID Total Loan Costs.105
+According to the CFPB, these loans
+generally are manufactured home loans
+secured only by the home as personal
+property.106 Such loans must report the
+total amount of points and fees
+calculated pursuant to Regulation Z,107
+which may differ from the TRID Total
+Loan Costs. Because neither Enterprise
+acquired such loans in 2018, they did
+not collect this data element and,
+therefore, it is not available for
+inclusion in the Single-Family PUDB.
+Non-Amortizing Features: Non-
+Amortizing Features is a new HMDA
+data element that indicates whether the
+loan has any non-amortizing features,
+such as Balloon Payments, Interest-Only
+Payments, or Negative Amortization.108
+The Enterprises indicated that they do
+not purchase single-family loans with
+any non-amortizing features and, thus,
+do not collect this data. This data
+element, therefore, is not available for
+inclusion in the Single-Family PUDB.
diff --git a/chunks/txt/a9fd5a91aeaf311ed79fe9649c5aa15a4ffd6aa718e0417afb7f4a067c9c5540.txt b/chunks/txt/a9fd5a91aeaf311ed79fe9649c5aa15a4ffd6aa718e0417afb7f4a067c9c5540.txt
new file mode 100644
index 0000000000000000000000000000000000000000..93f9b6a98ee66719c54bbec093fddff194615768
--- /dev/null
+++ b/chunks/txt/a9fd5a91aeaf311ed79fe9649c5aa15a4ffd6aa718e0417afb7f4a067c9c5540.txt
@@ -0,0 +1,128 @@
+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 LN1265431Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)
+
+Uniform Residential Appraisal Report
+
+Page 2 of 22
+
+NEW PG!
+
+Assignment Information
+
+Assignment Reason
+Borrower Name
+
+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
diff --git a/chunks/txt/aa0b3a8788b948a8e35683c57e46624fb95ba10c9f59dc0a5f30cd80a01331a4.txt b/chunks/txt/aa0b3a8788b948a8e35683c57e46624fb95ba10c9f59dc0a5f30cd80a01331a4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1d03f2dcb649318dbd255ef22b860de41661c3a4
--- /dev/null
+++ b/chunks/txt/aa0b3a8788b948a8e35683c57e46624fb95ba10c9f59dc0a5f30cd80a01331a4.txt
@@ -0,0 +1,51 @@
+/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/@GSEBelowGradeOtherRoomCount
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_P
+RICE_ADJUSTMENT[@_Type='FunctionalUtility']/@_Description
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_P
+RICE_ADJUSTMENT[@_Type='HeatingCooling']/@_Description
+
+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.
+
+This field is required if the value of field e-18
+(GSE Below Grade Total Square Feet Number)
+is greater than zero.
+
+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:
+
+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
+This field indicates the number of finished recreation rooms in the basement.
diff --git a/chunks/txt/aa25ce76c62cbef53a93228b8ca46c7ab6d21345d49ec61a4b891fabe7bf3862.txt b/chunks/txt/aa25ce76c62cbef53a93228b8ca46c7ab6d21345d49ec61a4b891fabe7bf3862.txt
new file mode 100644
index 0000000000000000000000000000000000000000..70db92a63416fa342077bbe7e5c58b54fc0bfd6f
--- /dev/null
+++ b/chunks/txt/aa25ce76c62cbef53a93228b8ca46c7ab6d21345d49ec61a4b891fabe7bf3862.txt
@@ -0,0 +1,44 @@
+Note: Loans in which there is a chattel lien on the home plus a real property lien on the land are unacceptable.
+
+Title Insurance
+
+The mortgage must be covered under a standard real property title insurance policy that insures that the manufactured home
+is part of the real property that secures the loan.
+
+American Land Title Association® (ALTA®) Endorsement 7, 7.1, or 7.2 or any other endorsement required in the applicable
+jurisdiction for manufactured homes to be treated as real property must be included in the file.
+
+Loan Documents
+
+Fannie Mae prefers lenders to use the standard Fannie Mae Uniform Instruments (see Security Instruments).
+
+If the Uniform Instruments are not used, then the lender must adhere to the following requirements:
+
+• A single note must be used evidencing all the debt related to the land and the home, and a mortgage, deed of trust, or
+
+Georgia security deed securing such indebtedness (plus the certificate of title if state law so requires).
+
+• The note used must provide the nonstandard document warranties that are referenced in A2-2-03, Document
+
+Warranties.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 162 of 166
+
+UAD 3.6 Policy
+
+Loan documents are not acceptable if they:
+
+•
+
+state that the home is personal property or contain other words to that effect;
+
+•
+
+state that the parties do not intend to attach the home to a permanent foundation system on the land, or contain
+statements inconsistent with that intention;
+
+• unless required by law, provide that rights of holders in due course are waived, or with other words provide that an
+
+assignee note holder may be held liable for claims the borrower may have against other parties; or
diff --git a/chunks/txt/aa3e117c7e9949d3afa7e191a314f8299b1d268b1f0d16b30d6f6ac67a615587.txt b/chunks/txt/aa3e117c7e9949d3afa7e191a314f8299b1d268b1f0d16b30d6f6ac67a615587.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d13eb9748d60e234adc413a0ad232cb1ffc3e512
--- /dev/null
+++ b/chunks/txt/aa3e117c7e9949d3afa7e191a314f8299b1d268b1f0d16b30d6f6ac67a615587.txt
@@ -0,0 +1 @@
+© 2021 Fannie Mae 2.24.21 Page 4 of 4
diff --git a/chunks/txt/aa4a851c7004ed09f97bc54cd76a2844ae0f755ddde8366d482c14431a3f4a21.txt b/chunks/txt/aa4a851c7004ed09f97bc54cd76a2844ae0f755ddde8366d482c14431a3f4a21.txt
new file mode 100644
index 0000000000000000000000000000000000000000..aa040246fc73a7a52eb359d62604e2feaad2bdb8
--- /dev/null
+++ b/chunks/txt/aa4a851c7004ed09f97bc54cd76a2844ae0f755ddde8366d482c14431a3f4a21.txt
@@ -0,0 +1,130 @@
+Field Name
+
+Short Description
+
+Definition
+
+Format
+
+Allowable
+Values
+
+Characters 6-11:
+Tract
+
+Disclosure
+Avoidance
+Method
+records exist in
+that Census Tract
+in the year of
+that appraisal.
+
+Appraisal Form
+Section
+
+Notes
+
+sufficient address
+information to
+reliably geocode the
+address to a census
+tract.
+
+purpose
+
+Mortgage Loan Purpose
+
+owner_occupied
+
+Occupancy Status of the
+unit as of the time of
+appraisal
+
+Federal Housing Finance Agency
+
+Reason for a mortgage loan,
+limited to either a home
+purchase, refinance or other
+purpose. A home purchase
+mortgage is a transaction when
+a loan is originated for the
+purpose of buying a home from
+a different entity. A refinance
+is a transaction in which a
+borrower with an existing
+mortgage takes out a new
+mortgage and uses the
+proceeds from the new
+mortgage to repay the original
+mortgage. Other includes
+mortgages for which appraisers
+did not select purchase or
+refinance but instead provided
+a description in a text field.
+
+In an owner-occupied property,
+the owner lives in the subject
+property at the time of the
+appraisal. Properties that are
+not owner-occupied are vacant
+
+Character
+
+'1' = Home
+Purchase
+'2' = Refinance
+'3' = Other
+'9' = Missing
+
+Subject
+
+Character
+
+'1' = Yes
+'2' = No
+'9' = Missing
+
+Subject
+
+This field should not
+be confused as the
+owner occupancy
+status after the
+mortgage is
+
+3
+
+Field Name
+
+Short Description
+
+Definition
+
+Format
+
+Allowable
+Values
+
+Disclosure
+Avoidance
+Method
+
+Appraisal Form
+Section
+
+Notes
+
+UAD PUF Version 2.1 Data Dictionary
+
+or occupied by tenants at the
+time of appraisal.
+
+contract_price
+
+Contract Price
+
+For purchase transactions, this
+is the contract price of the
+subject property as of the
+appraisal report date.
diff --git a/chunks/txt/aa52e21d840e624a52366a581f195970ffeacedef6ca77108e9b39b490fdaa2b.txt b/chunks/txt/aa52e21d840e624a52366a581f195970ffeacedef6ca77108e9b39b490fdaa2b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bd39d0045a59080a8c5ee073d920739c90072842
--- /dev/null
+++ b/chunks/txt/aa52e21d840e624a52366a581f195970ffeacedef6ca77108e9b39b490fdaa2b.txt
@@ -0,0 +1,72 @@
+- Any -
+
+A
+
+B
+
+C
+
+D
+
+E
+
+F
+
+G
+
+H
+
+I
+
+J
+
+K
+
+L
+
+M
+
+N
+
+O
+
+P
+
+Q
+
+R
+
+S
+
+T
+
+U
+
+V
+
+W
+
+X
+
+Y
+
+Z Document Type - Any - Origination Document Security Instrument Note Rider or Addendum Special Purpose Document Servicing Document
+
+Document Title Languages Source / Form Number # [CFPB Escrow Cancellation Notice](/mortgage-translations/document/cfpb-escrow-cancellation-notice) Spanish CFPB [Form 182 - Adverse Action Notice](/mortgage-translations/document/form-182-adverse-action-notice) English, Spanish CFPB [Authorized Changes for ARM Riders](/mortgage-translations/document/authorized-changes-for-arm-riders) English Freddie Mac [Oregon Translation of HUD Truth in Lending Settlement Statement](/mortgage-translations/document/oregon-translation-of-hud-truth-in-lending-settlement-statement) Spanish / Español State Agencies [Supplemental Consumer Information Form (SCIF) Rendering Options](/mortgage-translations/document/supplemental-consumer-information-form-scif-rendering-options) English Fannie Mae; Freddie Mac
+
+- [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=31)
+
+***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/aa63041b0e747f41c5b4403f602b60c7b2e6755e28dfe1fde88d793392f7bfcb.txt b/chunks/txt/aa63041b0e747f41c5b4403f602b60c7b2e6755e28dfe1fde88d793392f7bfcb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..426b3a673e25dbb64a54360f20f3972e354f90d4
--- /dev/null
+++ b/chunks/txt/aa63041b0e747f41c5b4403f602b60c7b2e6755e28dfe1fde88d793392f7bfcb.txt
@@ -0,0 +1,51 @@
+a. Single-family Data Fields 41a–41e:
+Borrower Race or National Origin 1–5
+These data fields identify the race or
+
+national origin of the borrower of the
+loan acquired by the Enterprise. Since
+2004, the Enterprises have been
+reporting single-family borrower race or
+national origin in accordance with five
+defined fields—borrower race1-
+borrower race5—but the data was
+included in a single race or national
+origin field in the PUDB. The
+Enterprises did not comment on these
+data fields.
+
+To conform to HMDA reporting
+requirements, FHFA has incorporated
+these five fields in the single-family
+Census Tract File to reflect HMDA’s
+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 National Files A and
+B, using an algorithm for collapsing the
+five borrower race or national origin
+fields and borrower ethnicity field to the
+single field. The single data field in
+National Files A and B is constructed as
+follows:
+
+i. If the borrower ethnicity field
+
+indicates that the borrower is Hispanic
+or Latino, then the single field’s value
+indicates the value for ‘‘Hispanic or
+Latino’’ regardless of race (consistent
+with reporting prior to 2004);
+
+ii. Otherwise, if a unique value within
+
+borrower race1- borrower race5
+indicates that the borrower is American
+Indian or Alaskan Native, Asian, Black
+or African American, Native Hawaiian
+or Other Pacific Islander, or White, then
+the single field’s value is that unique
+value (this includes multiple selections
+of that unique value);
diff --git a/chunks/txt/aa7f0626a79e8bd68494380f47cef980214d1a1ba93654b014ab160758f1e394.txt b/chunks/txt/aa7f0626a79e8bd68494380f47cef980214d1a1ba93654b014ab160758f1e394.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5b22ccfd75db7eb094fc8f28e85a0e36ab24e4e5
--- /dev/null
+++ b/chunks/txt/aa7f0626a79e8bd68494380f47cef980214d1a1ba93654b014ab160758f1e394.txt
@@ -0,0 +1,36 @@
+ permit fees,
+
+
+
+architectural and design services, or
+
+ borrower deposits.
+
+Removal of Renovation Cost Cap for Manufactured Homes
+
+We have removed the $50,000 cap on renovation costs for manufactured homes. Lenders may now allow renovation costs up to
+50% of the as-completed appraised value for eligible manufactured homes.
+
+Clarification for HomeStyle Renovation Limited Cash-Out Refinance Transactions
+
+Lenders may use HomeStyle Renovation limited cash-out refinance transactions to buy out a co-owner’s interest, such as in cases
+of inheritance or divorce, while completing renovations. Borrowers may not receive any cash proceeds from these transactions,
+including those typically permitted under a standard limited cash-out refinance eligibility requirement.
+
+Effective: Lenders may take advantage of these changes immediately. DU will be updated in a future release to reflect these
+changes.
+
+Remove the 3% acceptability requirement for 7- and 10-Year ARMs
+
+The Selling Guide currently requires lenders to determine whether an ARM loan is acceptable for purchase by Fannie Mae by
+subtracting the initial note rate of the loan from the fully indexed rate in effect when the loan originated. The difference must not
+exceed 3%. We updated our Guide to remove the 3% acceptability requirement for 7- and 10-year ARMs.
+
+Effective: Lenders may take advantage of this policy change immediately.
+
+© 2025 Fannie Mae SEL-2025-10 Page 2 of 4
+
+Accessory dwelling units and manufactured homes updates
+
+We expanded our accessory dwelling unit (ADU) criteria to meet the growing demand for flexible and affordable housing
+solutions.
diff --git a/chunks/txt/aa9152524ac63e5c1e0e503d4f16c9786eab6407dd3429749af50f4ddd752e48.txt b/chunks/txt/aa9152524ac63e5c1e0e503d4f16c9786eab6407dd3429749af50f4ddd752e48.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f95b37bf20abca5c742fd22fe0bfa6d63f7f7e08
--- /dev/null
+++ b/chunks/txt/aa9152524ac63e5c1e0e503d4f16c9786eab6407dd3429749af50f4ddd752e48.txt
@@ -0,0 +1,99 @@
+6.0
+
+6.1.1 $
+
+6.2 Cash to Close
+
+6.2.1 $
+
+5.2.4 $ min
+5.2.5 $ max
+
+5.3.2 + $
+5.4.2 + $
+
+5.5.3 $ min
+5.5.4 $ max
+
+5.2.6 $ min
+5.2.7 $ max
+
+5.3.3 + $
+5.4.3 + $
+
+5.5.5 $ min
+5.5.6 $ max
+
+5.2.8 $ min
+5.2.9 $ max
+
+5.3.4 + $
+5.4.4 + $
+
+5.5.7 $ min
+5.5.8 $ max
+
+This estimate includes
+5.6.3  Property Taxes
+5.6.4  Homeowners Insurance
+5.6.5  Other:
+See Escrow Account on page 4 for details. You must pay for other property
+costs separately.
+
+In escrow?
+NO/SOME/YES
+NO/SOME/YES
+NO/SOME/YES
+
+Includes 6.1.2 $
+in Lender Credits. See page 2 for details.
+
+in Loan Costs + 6.1.3 $
+
+in Other Costs – 6.1.4 $
+
+Includes Closing Costs. See Calculating Cash to Close on page 3 for details.
+6.2.2 From To Borrower
+
+CLOSING DISCLOSURE
+
+PAGE 1 OF 5 ▪ LOAN ID #
+
+Uniform Closing Dataset v2.0
+
+Numbered Alternate Disclosure
+
+Closing Cost Details
+
+Loan Costs
+7.1 A. Origination Charges
+7.2.1 % of 7.2 Loan Amount (Points)
+7.3 Fee Item
+
+7.0
+
+Borrower-Paid
+
+At Closing
+
+Before Closing
+
+Paid by
+Others
+
+7.2.1 to Payee Type
+7.3.1 to Payee Type & Name
+
+7.2.2 $
+7.3.2 $
+
+7.1.1 $
+
+7.2.3 $
+7.3.3 $
+
+7.2.6 $
+7.3.6 $
+
+7.4 B. Services Borrower Did Not Shop For
+7.5 Fee Item
diff --git a/chunks/txt/aa9a2b9ce2f3fd2f067f1782e9f4fb46fce08ad3e22c125b12c66ba3597e5874.txt b/chunks/txt/aa9a2b9ce2f3fd2f067f1782e9f4fb46fce08ad3e22c125b12c66ba3597e5874.txt
new file mode 100644
index 0000000000000000000000000000000000000000..badb02a372ea36986db0735aee7799ae4aaef174
--- /dev/null
+++ b/chunks/txt/aa9a2b9ce2f3fd2f067f1782e9f4fb46fce08ad3e22c125b12c66ba3597e5874.txt
@@ -0,0 +1,34 @@
+thus, prohibited;
+
+• misrepresentation of the physical characteristics of the subject property, improvements, or comparable sales;
+•
+
+failure to comment on negative impacts with respect to the subject market area, the subject property, or proximity of the
+subject property to adverse influences;
+failure to adequately analyze and report any current contract of sale, option, offering, or listing of the subject property
+and the prior sales and transfers of the subject property and the comparable sales;
+selection and use of inappropriate comparable sales;
+failure to use comparable sales that are the most locationally and physically similar to the subject property;
+creation of comparable sales by combining vacant land sales with the contract purchase price of a home that has been
+built or will be built on the land;
+
+•
+
+•
+•
+•
+
+• use of adjustments to comparable sales that do not reflect market reaction to the differences between the subject
+
+property and the comparable sales;
+
+failure to make market-derived adjustments, including time adjustments, when they are clearly indicated;
+
+• not supporting adjustments in the sales comparison approach;
+•
+• use of data, particularly comparable sales data, provided by parties that have a financial interest in the sale or in the
+financing of the subject property without the appraiser’s verification of the information from a disinterested source;
+• development of an appraisal or reporting an appraisal in a manner or direction that favors the cause of either the client
+or any related party, the amount of the opinion of value, the attainment of a specific result, or the occurrence of a
+subsequent event in order to receive compensation or employment for performing the appraisal or in anticipation of
+receiving future assignments; or
diff --git a/chunks/txt/aa9e7f719962730ac0a918b15308e74a4cfe7f0fb110db949302a58e3162356d.txt b/chunks/txt/aa9e7f719962730ac0a918b15308e74a4cfe7f0fb110db949302a58e3162356d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ff2644cfaa93f79644299d8bd7d392ceaf8ad71a
--- /dev/null
+++ b/chunks/txt/aa9e7f719962730ac0a918b15308e74a4cfe7f0fb110db949302a58e3162356d.txt
@@ -0,0 +1,70 @@
+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
+
+10
+
+60
+
+20
+
+11
+
+12
+
+String
+
+String
+
+String
+
+Money
+
+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, and must be represented
+consistently to the extent that the available space permits.
+
+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 Sales Comparison Approach 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 1-8, 3-12b, 6-20b) 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
+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, 2-12c, 6-20c), and must
+be represented consistently.
diff --git a/chunks/txt/aaa219a5628e5ddac9b415b11f3813528ed3d3757b89c5a517019365cf374071.txt b/chunks/txt/aaa219a5628e5ddac9b415b11f3813528ed3d3757b89c5a517019365cf374071.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b531026e0676ad80a668f230d58e13eb24911bcc
--- /dev/null
+++ b/chunks/txt/aaa219a5628e5ddac9b415b11f3813528ed3d3757b89c5a517019365cf374071.txt
@@ -0,0 +1,102 @@
+/VALUATION_RESPONSE/PROPERTY/SAL
+ES_CONTRACT[@SalesConcessionIndicator='
+N']
+
+PDF Display Format:
+mm/dd/yyyy
+
+Boolean UAD Requirement - Refer to Appendix D Contract Section
+
+Boolean UAD Requirement - Refer to Appendix D Contract Section
+
+String
+
+Boolean UAD Requirement - Refer to Appendix D Contract Section
+
+Boolean UAD Requirement - Refer to Appendix D Contract Section
+
+1
+
+1
+
+25
+
+1
+
+1
+
+Sales Concession
+Amount
+
+The dollar amount of the value of
+sales concessions granted by an
+interested party including such items
+as furniture, carpeting, decorator
+allowances, automobiles, vacations,
+securities, giveaways or other sales
+incentives
+
+/VALUATION_RESPONSE/PROPERTY/SAL
+ES_CONTRACT/@SalesConcessionAmount
+
+10
+
+Money
+
+UAD Requirement - Refer to Appendix D Contract Section
+Whole dollars only.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+If field 1-49 is indicated, and e-4 has a value
+of 'N', then this field is required.
+
+CR
+
+CR
+
+CR
+
+55
+
+1
+
+e-4
+
+CONTRACT
+
+If Yes, report the total
+dollar amount and
+describe the items to be
+paid.
+
+GSE Undefined
+Concession Amount
+Indicator
+
+Indicates whether there is a known
+sales or financing concessions with
+an unknown dollar amount.
+
+/VALUATION_RESPONSE/PROPERTY/SAL
+ES_CONTRACT/SALES_CONCESSION_EX
+TENSION/SALES_CONCESSION_EXTENSI
+ON_SECTION[@ExtensionSectionOrganization
+Name='UNIFORM APPRAISAL
+DATASET']/SALES_CONCESSION_EXTENS
+ION_SECTION_DATA/SALES_CONCESSIO
+N/@GSEUndefinedConcessionAmountIndicator
+
+1
+
+Boolean
+
+This field is required if field 1-49 is indicated.
+
+CR
+
+CR
+
+CR
+
+UAD Requirement - Refer to Appendix D Contract Section
diff --git a/chunks/txt/aaa8df0c86c9c4b5c02ed310339bb9ee99055ed4882dfb23fc65b47c50c9e86b.txt b/chunks/txt/aaa8df0c86c9c4b5c02ed310339bb9ee99055ed4882dfb23fc65b47c50c9e86b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2fb6e69f546c9ef04ec967407b0fc33490d0c5f5
--- /dev/null
+++ b/chunks/txt/aaa8df0c86c9c4b5c02ed310339bb9ee99055ed4882dfb23fc65b47c50c9e86b.txt
@@ -0,0 +1,126 @@
+For all possible Certifications and Scope of Work text that may display on the URAR, see Appendix C-1: URAR
+with Report Field IDs (29.000-29.061).
+
+The opening statement always displays.
+
+Scope of Work
+
+The Scope of Work subsection always displays.
+
+Report
+Field ID
+
+Not on
+Report
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Scope of Work
+
+Always required
+
+Yes | No
+
+Additional Scope of Work
+Indicates whether there is additional scope of work.
+
+This is an
+appraiser input
+that does not
+display
+
+N/A
+
+29.002
+29.003
+
+When Additional
+Scope of Work is Yes
+
+Free-form
+
+Additional Scope of Work Text
+Note: Additional Scope of Work cannot be contrary to, and should not repeat,
+the predefined scope of work text.
+
+Intended Use
+
+The Intended Use subsection always displays.
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Intended Use
+
+29.005 The intended
+
+use of the
+appraisal is
+solely to assist
+FHA …
+
+Predefined text that
+displays when
+Government Agency
+Appraisal Type 2.008 is
+FHA
+
+Appendix F-1: URAR Reference Guide
+
+Page 339 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+29 Certifications and Scope of Work
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+29.006
+29.007
+
+Additional
+Intended Use
+
+When applicable for
+FHA, VA, or USDA
+appraisals
+
+Allowable
+Answers / Format
+
+Free-form
+
+Definition / Additional Guidance
+
+Additional Intended Use Text
+Note: Additional Intended Use cannot be contrary to, and should not repeat,
+any of the predefined text.
+
+Intended Use
+
+Intended User
+
+The Intended User subsection always displays.
diff --git a/chunks/txt/aab1b6ea8af9146b036c16620df38efea96c309a4842cac724a76ac10a9457ef.txt b/chunks/txt/aab1b6ea8af9146b036c16620df38efea96c309a4842cac724a76ac10a9457ef.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a5474389b33ef13904c2086a359aff4f0643e590
--- /dev/null
+++ b/chunks/txt/aab1b6ea8af9146b036c16620df38efea96c309a4842cac724a76ac10a9457ef.txt
@@ -0,0 +1,78 @@
+Energy Efficient Items Adjustment
+
+Sale Price
+Adjustment Amount
+
+The dollar amount of the adjustment
+applied to the sale price for the property
+feature identified by Sale Price
+Adjustment Type.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_
+ADJUSTMENT[@_Type='EnergyEfficient']/@_Amount
+
+SALES
+COMPARISON
+APPROACH
+
+Garage/Carport
+
+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='CarStorage']/@_Description
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+Garage/Carport Adjustment
+
+Porch/Patio/Deck
+
+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='CarStorage']/@_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='PorchDeck']/@_Description
+
+Porch/Patio/Deck Adjustment
+
+Sale Price
+Adjustment Amount
diff --git a/chunks/txt/aab80b9b3c83f68f44de3f6678055e171437c4f5f16380ef0506f43a358d7c7a.txt b/chunks/txt/aab80b9b3c83f68f44de3f6678055e171437c4f5f16380ef0506f43a358d7c7a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..546b9a5e60e4554e4c8b18fa7f4c8e08343de422
--- /dev/null
+++ b/chunks/txt/aab80b9b3c83f68f44de3f6678055e171437c4f5f16380ef0506f43a358d7c7a.txt
@@ -0,0 +1,104 @@
+This is where the Unit D Bath 1 photo would display.
+
+This is where the Unit D Bath 2 photo would display.
+
+Appraiser Reference ID 8238420 Client Reference ID 2381034 AMC Reference ID 4561122Appraisal Version #1Fannie Mae | Freddie Mac September 20242- to 4-Unit Scenario 2
+
+Uniform Residential Appraisal Report
+
+Page 12 of 26
+
+Unit Interior - Building 1 - Unit D (continued)
+
+Level 1 - Bedroom - Bedroom 1
+
+Level 1 - Bedroom - Bedroom 2
+
+This is where the Unit D Bedroom 1 photo would display.
+
+This is where the Unit D Bedroom 2 photo would display.
+
+Level 1 - Dining Room
+
+Level 1 - Kitchen
+
+This is where the Unit D Dining Room photo would display.
+
+This is where the Unit D Kitchen photo would display.
+
+Level 1 - Living Room
+
+This is where the Unit D Living Room photo would display.
+
+Functional Obsolescence
+
+Functional Issues
+
+None
+
+Vehicle Storage
+
+Storage
+Carport
+
+Driveway
+
+Number of Parking Spaces
+4
+
+4
+
+Detail
+Detached
+800 Sq. Ft.
+
+Concrete
+
+Apparent Defects, Damages, Deficiencies (Vehicle Storage)
+
+None
+
+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 13 of 26
+Page 13 of 26
+
+Vehicle Storage (continued)
+
+Vehicle Storage Exhibits
+
+Carport - Driveway
+
+This is where the photo of the Carport and Driveway would display.
+
+Subject Property Amenities
+
+Amenity Category
+Outdoor Accessories
+
+Outdoor Living
+
+Subject Property Amenity
+Fence
+
+Irrigation System
+
+Balcony
+
+Balcony
+
+Patio
+
+Patio
+
+Material
+
+Detail
+
+Wood
+
+Wood
+
+Concrete
diff --git a/chunks/txt/aace7094d796f2dd42e3f4f443d7f7830b4e431e03b73290f823fe37f819d978.txt b/chunks/txt/aace7094d796f2dd42e3f4f443d7f7830b4e431e03b73290f823fe37f819d978.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b520484cb30a8075a73762f484a9affde2a7d6f8
--- /dev/null
+++ b/chunks/txt/aace7094d796f2dd42e3f4f443d7f7830b4e431e03b73290f823fe37f819d978.txt
@@ -0,0 +1,31 @@
+Freddie Mac Form 465H April 2022
+
+Page 4 of 6
+
+Fannie Mae Form1073 Hybrid April 2022
+
+Individual Condominium Unit Appraisal Report (Hybrid)
+
+File #
+
+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 did not perform a personal visual inspection of the subject property as part of this appraisal assignment. I reported the
+condition of the improvements in factual, specific terms, relying on the subject property information from the property data
+report. I reported the physical deficiencies that could affect the livability, soundness, or structural integrity of the property.
+
+3. I performed this appraisal in accordance with the requirements of the Uniform Standards of Professional Appraisal
+Practice that were adopted and promulgated by the Appraisal Standards Board of The Appraisal Foundation and that were in
+place at the time this appraisal report was prepared.
+
+4. I developed my opinion of the market value of the real property that is the subject of this report based on the sales
+comparison approach to value. I have adequate comparable market data to develop a reliable sales comparison approach
+for this appraisal assignment. I further certify that I considered the cost and income approaches to value but did not develop
+them, unless otherwise indicated in this report.
+
+5. I researched, verified, analyzed, and reported on any current agreement for sale for the subject property, any offering for
+sale of the subject property in the twelve months prior to the effective date of this appraisal, and the prior sales of the subject
+property for a minimum of three years prior to the effective date of this appraisal, unless otherwise indicated in this report.
diff --git a/chunks/txt/aacfaa8e2a80b97bbb8826f6b38178f9c8e1cccff357e1dd8f85e2a9a889eabd.txt b/chunks/txt/aacfaa8e2a80b97bbb8826f6b38178f9c8e1cccff357e1dd8f85e2a9a889eabd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0b7531324b25784b5dc7403b9ad4a78cb7dd3f25
--- /dev/null
+++ b/chunks/txt/aacfaa8e2a80b97bbb8826f6b38178f9c8e1cccff357e1dd8f85e2a9a889eabd.txt
@@ -0,0 +1,3 @@
+Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 229
+
+Examples .................................................................................................................................................................................................................................. 230
diff --git a/chunks/txt/aae24c6ebb15675d216b60b62d3bdc7a3a4f5c86c947018ccac2b7d8aa60f1a4.txt b/chunks/txt/aae24c6ebb15675d216b60b62d3bdc7a3a4f5c86c947018ccac2b7d8aa60f1a4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..027d49e925a3e77c48d28e363f78375654dd1a88
--- /dev/null
+++ b/chunks/txt/aae24c6ebb15675d216b60b62d3bdc7a3a4f5c86c947018ccac2b7d8aa60f1a4.txt
@@ -0,0 +1,87 @@
+Applicances
+Refrigerator
+
+UNIT
+DESCRIPTION
+
+Applicances
+Range/Oven
+
+UNIT
+DESCRIPTION
+
+Applicances
+Disp
+
+UNIT
+DESCRIPTION
+
+Applicances
+Microwave
+
+UNIT
+DESCRIPTION
+
+Applicances
+Dishwasher
+
+UNIT
+DESCRIPTION
+
+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
+
+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/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
diff --git a/chunks/txt/aaecaa1dc149c5d4c736f20c7730ad6f40d9c3bec617eb2940a3fc7a47c8135f.txt b/chunks/txt/aaecaa1dc149c5d4c736f20c7730ad6f40d9c3bec617eb2940a3fc7a47c8135f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..36a4a7cbfeafee2181693d5e99c652f24760e0c1
--- /dev/null
+++ b/chunks/txt/aaecaa1dc149c5d4c736f20c7730ad6f40d9c3bec617eb2940a3fc7a47c8135f.txt
@@ -0,0 +1,32 @@
+Desktop Underwriter/Desktop Originator Release Notes
+DU Version 12.0 May Update
+
+March 19, 2025
+
+During the weekend of May 17, 2025, Fannie Mae will implement an update to Desktop Underwriter® (DU®) Version 12.0, which
+will include the changes described below. The changes in this release will apply to DU V. 12.0 loan casefiles submitted or
+resubmitted to DU on or after the weekend of May 17, 2025, except for the Condo Project Manager™ changes.
+
+The changes in this release include the following updates:
+▪ Condo Project Manager
+▪ Value Acceptance
+▪ Refinance of Fannie Mae Loans
+▪ Area Median Income Limit Message
+▪ Updates to Align with the Selling Guide
+
+Condo Project Manager
+
+DU will now provide condo project information from Fannie Mae's Condo Project Manager (CPM™) in the Property and Appraisal
+Information section of the DU Underwriting Findings report. CPM is a free, web-based tool that enables lenders to quickly and
+easily determine if a condo project has a Fannie Mae status or delivery restriction. CPM must also be used to certify new and
+established condo projects under the lender-delegated Full Review process.
+
+Note: The CPM information will only be provided on new DU V. 12.0 loan casefiles created on or after June 23, 2025.
+
+Project Matching
+
+For DU to determine the project in which the property is located, either a CPM ID or a complete property address along with the
+project name must be provided. DU will provide the following messages based on the ability to match the property to a project in
+CPM.
+
+▪ When a project match occurs using the project name and property address, a message will be issued specifying the
diff --git a/chunks/txt/aaf42b696f9af03a2fa016c0bfe2e9cc72c8ab69595d75bbc4274ff7e4126aff.txt b/chunks/txt/aaf42b696f9af03a2fa016c0bfe2e9cc72c8ab69595d75bbc4274ff7e4126aff.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5ce0a32fb5e2eac7e65f74c58518f4194500be87
--- /dev/null
+++ b/chunks/txt/aaf42b696f9af03a2fa016c0bfe2e9cc72c8ab69595d75bbc4274ff7e4126aff.txt
@@ -0,0 +1,158 @@
+Table 94. Loan Cost Table Category and Subcategory Data
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0
+Data Point
+
+MISMO v3.3.0
+Value
+
+Notes
+
+First Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY
+
+7.1.1
+
+A. Origination
+Charges –
+Borrower-Paid ($)
+
+…/INTEGRATED_DI
+SCLOSURE_SECTIO
+N_SUMMARY_DET
+AIL
+
+IntegratedDisclosur
+eSectionTotalAmou
+nt
+
+1802.00
+
+▪ ” Provide a value
+of “0.00” if there
+are no charges
+for this category
+
+▪ ROF as
+
+“$1,802.00
+
+7.1
+
+A. Origination
+Charges
+
+IntegratedDisclosur
+eSectionType
+
+OriginationCharges ROF as “A.
+Origination
+Charges”
+
+Second Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY
+
+7.4.1
+
+B. Services
+Borrower Did Not
+Shop For –
+Borrower Paid ($)
+
+…/INTEGRATED_DI
+SCLOSURE_SECTIO
+N_SUMMARY_DET
+AIL
+
+IntegratedDisclosur
+eSectionTotalAmou
+nt
+
+236.55
+
+Appendix E: UCD Implementation Guide
+
+Page 111 of 254
+
+▪ Provide a value
+
+of “0.00” if there
+are no charges
+for this category
+
+▪ ROF as
+
+“$236.55”
+
+Version 1.4
+
+Uniform Closing Dataset
+
+7.0 Loan Costs Table
+
+ID
+
+Form Field Name
+
+7.4
+
+B. Services
+Borrower Did Not
+Shop For
+
+Table 94. Loan Cost Table Category and Subcategory Data
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0
+Data Point
+
+MISMO v3.3.0
+Value
+
+Notes
+
+IntegratedDisclosur
+eSectionType
+
+ServicesBorrowerDi
+dNotShopFor
+
+ROF as “B. Services
+Borrower Did Not
+Shop For”
+
+Third Instance of INTEGRATED_DISCLOSURE_SECTION_SUMMARY
+
+7.6.1
+
+C. Servicers
+Borrower Did Shop
+For – Borrower
+Paid ($)
+
+…/INTEGRATED_DI
+SCLOSURE_SECTIO
+N_SUMMARY_DET
+AIL
+
+IntegratedDisclosur
+eSectionTotalAmou
+nt
+
+2655.50
+
+7.6
+
+C. Servicers
+Borrower Did Shop
+For
+
+IntegratedDisclosur
+eSectionType
diff --git a/chunks/txt/aaf917c11f3d7aeefc4a8ccfef4315788b9c998f76530e984c18f119ea01a2ee.txt b/chunks/txt/aaf917c11f3d7aeefc4a8ccfef4315788b9c998f76530e984c18f119ea01a2ee.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7211f455da2c458e7c54437ac904175100ec0aca
--- /dev/null
+++ b/chunks/txt/aaf917c11f3d7aeefc4a8ccfef4315788b9c998f76530e984c18f119ea01a2ee.txt
@@ -0,0 +1,116 @@
+Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 6 of 22
+Page 6 of 22
+
+Dwelling Exterior
+
+Subject Property Units in
+Structure
+Structure Design
+Floors in Building
+Front Door Elevation
+Year Built
+Converted Area
+
+1
+Mid-rise
+8
+8-9 Ft.
+~1973
+None
+
+Mechanical System Details
+
+Heating
+
+Cooling
+
+System
+Forced Warm Air
+
+Centralized
+
+Detail
+Natural Gas
+
+Apparent Defects, Damages, Deficiencies (Dwelling Exterior)
+
+None
+
+Dwelling Exterior Commentary
+
+Core Heating System Below Grade
+
+Yes No
+ 
+
+The structure’s overall condition is adequately maintained, with several areas that have been updated. There were no noticeable areas of
+defects within the structure that required repairs at the time of inspection.
+
+Dwelling Exterior Exhibits
+
+Dwelling Rear
+
+Unit Interior
+
+Area Breakdown
+
+Finished Above Grade
+Unfinished Above Grade
+Finished Below Grade
+Unfinished Below Grade
+
+Area Data Source
+
+1,092 Sq. Ft.
+0 Sq. Ft.
+0 Sq. Ft.
+0 Sq. Ft.
+Condominium Questionnaire
+Property Data Report
+
+Levels in Unit
+Floor Number
+Corner Unit
+Occupancy
+Total Bedrooms
+Total Bathrooms - Full
+Total Bathrooms - Half
+Non-Residential Use in Unit
+Live/Work Space
+
+1
+2
+No
+Owner
+2
+2
+0
+No
+No
+
+Level and Room Detail
+
+Level in Unit
+Level 1
+
+Grade Level Detail
+Above Grade
+
+Finish
+Finished
+
+Area
+1,092 Sq. Ft.
+
+Room Summary
+2 - Bath - Full
+2 - Bedroom
+1 - Dining Room
+1 - Kitchen
+1 - Living Room
+
+Appraiser Reference ID 4777564313 Client Reference ID JD5624946 AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024
diff --git a/chunks/txt/ab0c28e2bd451417f52a7fcdd5c82447c26f95edcf5ffe9a4958ac3ece1231d0.txt b/chunks/txt/ab0c28e2bd451417f52a7fcdd5c82447c26f95edcf5ffe9a4958ac3ece1231d0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7ba879b6f1604bd6cd2e59109e605e3483220fc9
--- /dev/null
+++ b/chunks/txt/ab0c28e2bd451417f52a7fcdd5c82447c26f95edcf5ffe9a4958ac3ece1231d0.txt
@@ -0,0 +1,120 @@
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+•
+Note: If more than one Transfer Term applies, select the most applicable one.
+
+20.007 Personal
+Property
+Conveyed
+
+20.007 Personal
+Property
+Conveyed
+
+Required if Sales
+Contract Information
+Analyzed is Yes
+
+Displays when
+Personal Property
+Conveyed is Yes
+
+Financial Sales Concessions
+
+Yes | No
+
+Indicates whether personal property is included in the sales contract.
+
+If Yes, provide further details in Sales Contract Analysis (20.011).
+
+N/A
+
+Personal property is not included in the appraiser's final opinion of value
+
+The Financial Sales Concessions subsection displays if the sales contract information was analyzed.
+
+Report Label
+
+When to Include
+
+Report
+Field ID
+
+20.008
+
+Financial Sales
+Concessions
+
+20.008 Known Sales
+Concessions
+
+20.009 Total Sales
+
+Concessions
+
+20.009 Total Sales
+
+Concessions
+
+20.010 Typical for
+
+Market
+
+Displays if Sales
+Contract Information
+Analyzed is Yes
+
+Required if Sales
+Contract Information
+Analyzed is Yes
+
+Required if Known
+Sales Concessions is
+Yes
+
+Required if Sales
+Concessions Amount
+Known is Yes
+
+Required if Sales
+Concessions Amount
+Known is Yes
+
+Sales Contract: Financial Sales Concessions
+
+Allowable
+Answers / Format
+
+N/A
+
+Definition / Additional Guidance
+
+Financial assistance paid by or on behalf of the seller as an inducement to
+purchase the subject property
+
+Yes | No
+
+Indicates whether there is a concession in the sales contract.
+
+Yes | No
+
+Dollar amount
+
+Sales Concession Amount Known: Indicates whether the total amount of sales
+concessions is known.
+•
+
+If No, “Unknown” displays next to Total Sales Concessions.
+
+Total Sales Concessions: The total dollar amount of the value of all sales
+concessions granted by an interested party, including monetary, furniture,
+carpeting, decorator allowances, automobiles, vacations, securities, giveaways,
+or other sales incentives.
diff --git a/chunks/txt/ab0c39f9038902fe06fa68d56b1d2ceeb00cfc1a36f827c71a9e3d5cbf95960b.txt b/chunks/txt/ab0c39f9038902fe06fa68d56b1d2ceeb00cfc1a36f827c71a9e3d5cbf95960b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..86cb6bbf0fcda86223c9318535eee5357770c730
--- /dev/null
+++ b/chunks/txt/ab0c39f9038902fe06fa68d56b1d2ceeb00cfc1a36f827c71a9e3d5cbf95960b.txt
@@ -0,0 +1,67 @@
+− When false, display “No”
+− When true AND GovernmentAgencyAppraisalType = “VA”, display “Yes”
+− When true AND GovernmentAgencyAppraisalType = "FHA" OR "USDA", do not
+
+display as additional information is needed.
+… AND AtticExistsIndicator = "true" AND
+(GovernmentAgencyAppraisalType = "FHA" OR "USDA")
+
+− When false, display “Inaccessible”
+− When true, do not display
+
+… AND AccessibleForObservationIndicator = “true”
+
+− When true, display “Visual Observation Completed”
+− When false, display "No Visual Observation Completed"
+
+… AND CostApproachIndicator = "false" AND
+GovernmentAgencyAppraisalIndicator = "true"
+
+… AND CostApproachIndicator = "false" AND
+GovernmentAgencyAppraisalIndicator = "true"
+The data must be provided in 1 of 2 ways:
+
+− a single number followed by “years”, (e.g., 15 years) OR
+− two numbers indicating a range with the low and high numbers separated by
+
+“-“ and followed by “years” (e.g., 12-20 years).
+… AND (CostApproachIndicator = "false" AND
+GovernmentAgencyAppraisalIndicator = "true" AND
+EstimatedRemainingEconomicLifeYearsCount < 30) OR ((ImprovementType =
+"Dwelling" AND CostApproachIndicator = "false" AND
+GovernmentAgencyAppraisalIndicator = "true") AND Exists)
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Report
+Field ID
+
+8.021
+
+Report Label
+
+Unique ID
+
+MISMO Data Point Name
+
+Commentary on Effective
+Age
+
+0300.0036
+
+EffectiveAgeDescription
+
+Display Rules
+
+Display when ImprovementType = "Dwelling” AND…
+
+… AND CostApproachIndicator = "false" AND
+GovernmentAgencyAppraisalIndicator = "true"
+
+Dwelling Exterior: General Information
+
+Page 158
+
+Figure 8 - 2
+
+Quality and Condition
diff --git a/chunks/txt/ab2fcbd698d1ebf4acd87727788f34fe003f44f190e9dbe7ce138e457500cb45.txt b/chunks/txt/ab2fcbd698d1ebf4acd87727788f34fe003f44f190e9dbe7ce138e457500cb45.txt
new file mode 100644
index 0000000000000000000000000000000000000000..744e3ca65064a52410684ee3bddcc3b2eaadb896
--- /dev/null
+++ b/chunks/txt/ab2fcbd698d1ebf4acd87727788f34fe003f44f190e9dbe7ce138e457500cb45.txt
@@ -0,0 +1,26 @@
+With the UAD, the GSEs will require that appraisals be completed with standardized responses in certain
+appraisal form fields. The standardization of certain data points will support consistent appraisal reporting,
+regardless of geographic location of the property or any localized reporting conventions, by addressing
+vague or disparate data currently included on some appraisal reports. The UAD standardized response
+requirements include:
+
+• Standardized formats for fields that include dates, currency, and other values
+• Allowable values from a list of choices provided for certain fields
+• Standardized abbreviations to allow more information to fit on the printed appraisal forms
+• Standardized ratings and definitions for the “Condition,” and “Quality,” of the property and
+
+“Updated/Remodeled” status
+
+The UAD supports improved quality and accuracy of the appraisal data while preserving each GSE’s
+ability to determine how the data relates to loan performance and loan quality. The GSEs will each
+continue to exercise independent business judgment in evaluating and maintaining business terms, credit
+policies, and analytics.
+
+Differences in the assessment and use of the appraisal data will remain due to unique and separate
+business policies, mortgage products, and processes.
+
+Purpose and Overview
+
+This document provides field-specific standardization requirements for completing the GSEs’ residential
+appraisal report forms listed in the table below (the appraisal forms). It lists the requirements for the data
+that must be included in specific fields and how the data should be formatted. These requirements are in
diff --git a/chunks/txt/ab3e75c4ea5c6bc87d83c056d3fb27510465c104b938ecf84a93e8b1e15c76f3.txt b/chunks/txt/ab3e75c4ea5c6bc87d83c056d3fb27510465c104b938ecf84a93e8b1e15c76f3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..af75719cfbcf1e3a2cd46e618ca6e1cb3df9341c
--- /dev/null
+++ b/chunks/txt/ab3e75c4ea5c6bc87d83c056d3fb27510465c104b938ecf84a93e8b1e15c76f3.txt
@@ -0,0 +1,5 @@
+Supervisory Appraiser Certifications (H1) ........................................................................................................... 84
+
+Signature (H1) ..................................................................................................................................................... 84
+
+Part 4. Completion Report ................................................................................................................................. 85
diff --git a/chunks/txt/ab4d40d4dac5c4bb904c7e70853be07325ee13e11f9a0a7ed42e2d9e679d6808.txt b/chunks/txt/ab4d40d4dac5c4bb904c7e70853be07325ee13e11f9a0a7ed42e2d9e679d6808.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f82d27c84bea58dd50f2d808da498812c880b5fd
--- /dev/null
+++ b/chunks/txt/ab4d40d4dac5c4bb904c7e70853be07325ee13e11f9a0a7ed42e2d9e679d6808.txt
@@ -0,0 +1,116 @@
+$42,154
+
+Proprietary Lease Expires
+
+11/2060
+
+Yes No
+ 
+
+Second Lien
+
+Maximum: $1,000,000
+Drawn: $600,000
+
+No
+
+120 Months
+
+$6,364
+
+5.000%
+
+Fixed
+
+Maximum: $3,847
+Drawn: $2,308.20
+
+Project Factors and Impact to Value/Marketability
+
+Project Factor
+Developer/Sponsor in Control
+
+Detail
+No
+
+Impact
+
+Comment
+
+Incomplete Project
+
+Landscaping
+
+Neutral
+
+Converted in Past 3 Years
+
+Apartment
+
+Single Entity Ownership of Multiple
+Shares
+
+Greatest Number of Shares Owned
+– 425
+
+Commercial Space
+
+Known Legal Actions
+
+Unit Transfer Fees
+
+1%
+
+None
+
+$3,000
+
+Unit Special Assessments
+
+None
+
+Unit Tax Abatements or Exemptions
+
+$7,500 per year
+Expires 09/2021
+
+Neutral
+
+Neutral
+
+Neutral
+
+Neutral
+
+Neutral
+
+Shareholders of the XYZ Apartments Project have agreed
+to participate in the Urban Tree Foundation’s campaign
+to plant 60 trees throughout the project’s common areas.
+As of the effective date of the appraisal there were only
+12 of the 60 trees planted, making the common areas
+incomplete. There’s no measurable impact to value
+or marketability due to the incomplete project. The
+completion of the tree planting is anticipated to occur over
+the next 30 days.
+
+Add comment if needed.
+
+Add comment if needed.
+
+There is a small dry cleaner located on project
+premises.
+
+There is a private transfer fee that is paid at settlement.
+There is no impact to marketability, the transfer fee is a
+typical fee paid in this market for cooperative transfers.
+
+Shareholders of the XYZ Apartments project are currently
+participating in a energy efficiency incentive program
+for property owners. The program is designed to help
+make energy efficiency more affordable in the form of tax
+abatement incentives that will be paid over the next two
+years. Moreover, the program helps reduce the reliance
+on utility-generated electricity and encourages the
+use of renewable energy sources. This has no impact to
+marketability or value.
diff --git a/chunks/txt/ab545ca8324ab11132be42197651314fd4bac0e2056550671b92fccb76cc34fe.txt b/chunks/txt/ab545ca8324ab11132be42197651314fd4bac0e2056550671b92fccb76cc34fe.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f54771514fe9b3b648b2b0a678411185796744ae
--- /dev/null
+++ b/chunks/txt/ab545ca8324ab11132be42197651314fd4bac0e2056550671b92fccb76cc34fe.txt
@@ -0,0 +1,5 @@
+[Watch Video](https://youtu.be/A-7GhWtLLBo)
+
+[See Infographic](/media/document/pdf/uad-infographic)
+
+![image](Uniform_Appraisal_Dataset___Fannie_Mae5_uad_promo_video_thumbnail.png)
diff --git a/chunks/txt/ab56fabf6dd1115ef97db03e3999511c05c1f3d0d277a0acfda0ca6b549a9b43.txt b/chunks/txt/ab56fabf6dd1115ef97db03e3999511c05c1f3d0d277a0acfda0ca6b549a9b43.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3ee07142b2e3cfc3a0d3036cd0679efa92a05054
--- /dev/null
+++ b/chunks/txt/ab56fabf6dd1115ef97db03e3999511c05c1f3d0d277a0acfda0ca6b549a9b43.txt
@@ -0,0 +1,185 @@
+Site
+
+Site Owned in Common
+
+Site Size
+
+No
+
+No
+
+13,939 Sq. Ft.
+
+13,010 Sq. Ft.
+
+Neighborhood Name
+
+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 123456 Client Reference ID AA-4456767Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+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
diff --git a/chunks/txt/ab58a0200dbd50788b8046f503ad0242fd6e91a389fd530c6d2151804dbe5a31.txt b/chunks/txt/ab58a0200dbd50788b8046f503ad0242fd6e91a389fd530c6d2151804dbe5a31.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a02bbd393eff25b0073f90ea67d7725fc942cc89
--- /dev/null
+++ b/chunks/txt/ab58a0200dbd50788b8046f503ad0242fd6e91a389fd530c6d2151804dbe5a31.txt
@@ -0,0 +1,120 @@
+All who sign the certification are acting in the capacity of an appraiser, regardless of their level (i.e., Appraiser
+Trainee, Appraiser).
+Reference the Appraiser Certifications (09.008-09.017).
+
+•
+
+Supervisory Appraiser
+
+The person who performed supervision and signed the report.
+Note: Reference the Supervisory Appraiser Certifications (09.019-09.023, 09.033-09.036).
+
+Assignment Information: Contact Information – Appraiser and Supervisory Appraiser
+
+Report
+Field ID
+
+08.013
+08.028
+
+Report Label
+
+When to Include
+
+Name
+
+Always required for
+the appraiser and
+supervisory appraiser
+
+Allowable
+Answers / Format
+
+Free-form
+
+Definition / Additional Guidance
+
+The full name of the appraiser or supervisory appraiser, as it appears on the
+Appraisal Subcommittee website.
+Note: At a minimum, first and last name must be provided.
+
+Appendix F-3: Completion Report Reference Guide
+
+Page 25 of 33
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+08 Assignment Information
+
+Assignment Information: Contact Information – Appraiser and Supervisory Appraiser
+
+Report
+Field ID
+
+08.014
+08.029
+
+Report Label
+
+When to Include
+
+Designation
+
+If applicable for the
+appraiser and
+supervisory appraiser
+
+Allowable
+Answers / Format
+
+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 (08.020-08.023 or 08.035-08.038).
diff --git a/chunks/txt/ab6beaf697f8a1710653fd229c6927e2fe7ebcd79b55a1f3350d4549be28794e.txt b/chunks/txt/ab6beaf697f8a1710653fd229c6927e2fe7ebcd79b55a1f3350d4549be28794e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1af826fd3d14023d4159e4dcd8c4327fc122eee0
--- /dev/null
+++ b/chunks/txt/ab6beaf697f8a1710653fd229c6927e2fe7ebcd79b55a1f3350d4549be28794e.txt
@@ -0,0 +1,29 @@
+• on a mechanical dollar-for-dollar basis based on equipment and installation cost, or the discounted present value of
+
+•
+
+expected cost savings of the equipment over the useful life of the equipment; or
+solely based on the cost or income approach. The appraiser must also analyze the market reaction to the energy-efficient
+feature.
+
+Solar panels that are leased from or owned by a third party under a power purchase agreement or other similar financing
+arrangement must be considered personal property and not be included in the appraised value of the property. See SB2-3-04,
+Special Property Eligibility Considerations, for additional eligibility requirements for properties with solar panels.
+
+Layout and Floor Plans
+
+Dwellings with unusual layouts and floor plans generally have limited market appeal. A review of the room list and floor plan for
+the dwelling unit may indicate an unusual layout, such as bedrooms on a level with no bath, or a kitchen on a different level from
+the dining room. This needs to be noted in the Functional Obsolescence section of the appraisal report. If the appraiser indicates
+that such inadequacies will result in market resistance to the subject property, they must make market supported adjustments to
+reflect this in the overall analysis. However, if acceptance by the market can be demonstrated through the use of comparable
+sales with the same inadequacies, no adjustments are required.
+
+Above- and Below-Grade Area(s)
+
+Appraisers must follow the American National Standard Institute ® (ANSI ®)’s Square Footage-Method for Calculating: ANSI Z765-
+2021 ("ANSI standard") when measuring, calculating, and reporting the above- and below-grade square footages. This includes
+finished and unfinished area(s) of the subject for attached and detached single-family dwellings, including manufactured homes.
+This is applicable to all hybrid appraisals and appraisals requiring interior and exterior inspections. If state law or a regulatory
+requirement mandates adherence to a different measurement standard, the appraisal report must note the standard required
+and explain how it was applied.
diff --git a/chunks/txt/ab751075cf17f8e6bc8379bee253c9bebf1fe4a30c57772bd65992d7b3990048.txt b/chunks/txt/ab751075cf17f8e6bc8379bee253c9bebf1fe4a30c57772bd65992d7b3990048.txt
new file mode 100644
index 0000000000000000000000000000000000000000..98d123735558c738c8cc5fc9271260f1679fe7a6
--- /dev/null
+++ b/chunks/txt/ab751075cf17f8e6bc8379bee253c9bebf1fe4a30c57772bd65992d7b3990048.txt
@@ -0,0 +1,153 @@
+Levels in Unit
+Occupancy
+Total Bedrooms
+Total Bathrooms - Full
+Total Bathrooms - Half
+
+2
+Vacant
+3
+2
+1
+
+Below Grade Finish Compared
+to Above
+
+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
+
+Area
+1,232 Sq. Ft.
+
+320 Sq. Ft.
+
+1,552 Sq. Ft.
+
+Room Summary
+1 - Bath - Full
+2 - Bedroom
+1 - Family Room
+1 - Sunroom
+
+1 - Bath - Full
+1 - Bath - Half
+1 - Bedroom
+1 - Dining Room
+1 - Family Room
+1 - Kitchen
+1 - Mudroom
+1 - Office
+
+Quality and Condition
+
+Interior Quality Rating
+
+Q3
+
+Interior Condition Rating
+
+C1
+
+The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report
+
+Kitchen and Bathroom Details
+
+Room
+Kitchen
+Level 1
+
+Bath - Full
+Level 1
+
+Bath - Full
+Level B1
+
+Bath - Half
+Level 1
+
+Update Status
+Fully Updated
+
+Time Frame
+Less than 1 year
+
+Fully Updated
+
+Less than 1 year
+
+Fully Updated
+
+Less than 1 year
+
+Quality Comment
+Wood framed cabinets,
+granite counters,
+commercial style
+appliances, sink is
+located in an oversize
+island.
+
+Separate tub and
+shower, large room, tile
+on the floor and walls,
+granite counters.
+
+Tile on the floor, walls,
+and shower; granite
+counters.
+
+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
diff --git a/chunks/txt/ab757eb8c9af6596eecb4ecd6a60833d903f32856bbd4b0d915a0464e890b669.txt b/chunks/txt/ab757eb8c9af6596eecb4ecd6a60833d903f32856bbd4b0d915a0464e890b669.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c5b91b5b7344a6da5d71def2e1fcd2d2fb3195b1
--- /dev/null
+++ b/chunks/txt/ab757eb8c9af6596eecb4ecd6a60833d903f32856bbd4b0d915a0464e890b669.txt
@@ -0,0 +1,78 @@
+40
+
+Indicated Value by Income Approach
+
+INCOME APPROACH TO VALUE (not required by Fannie Mae)
+
+PROJECT INFORMATION FOR PUDs (if applicable)
+
+42
+
+Is the developer/builder in control of the Homeowners’ Association (HOA)? Yes No Unit type(s) Detached
+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
+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
+Data source(s)
+53
+
+48
+Total number of units
+Total number of units for sale
+
+No If Yes, date of conversion 55
+54
+
+Attached
+45
+
+52
+
+49
+
+51
+
+44
+
+60
+
+43
+
+56
+
+57
+
+59
+
+Are the common elements leased to or by the Homeowners’ Association? Yes No If Yes, describe the rental terms and options. 64
+
+62
+
+63
+
+Describe common elements and recreational facilities 65
+
+Freddie Mac Form 70D July 2020
+
+226
+
+Page 3 of 6
+
+Fannie Mae Form 1004 Desktop July 2020
+
+2
+
+Uniform Residential Appraisal Report (Desktop)
+
+File # 3
+
+4 4a
+
+This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit; including a
+unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit
+in a condominium or cooperative project.
diff --git a/chunks/txt/ab845436a2af8426273109d97bc13cd62c6939bc846b98f232160dbf4e4ee783.txt b/chunks/txt/ab845436a2af8426273109d97bc13cd62c6939bc846b98f232160dbf4e4ee783.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ffa77ef243c2f8a9cb0876e99205f0c020d4b910
--- /dev/null
+++ b/chunks/txt/ab845436a2af8426273109d97bc13cd62c6939bc846b98f232160dbf4e4ee783.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/news/partner-agency-engagements"
+date_accessed: "2026-01-27T17:54:20.282Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/ab88c5cfd31852a4e4ef9c9daf29a9f52c3784cc6714d43771c1ea49b73151e0.txt b/chunks/txt/ab88c5cfd31852a4e4ef9c9daf29a9f52c3784cc6714d43771c1ea49b73151e0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fba5dc395b569feb4a9638f10c7df190ce4c02ae
--- /dev/null
+++ b/chunks/txt/ab88c5cfd31852a4e4ef9c9daf29a9f52c3784cc6714d43771c1ea49b73151e0.txt
@@ -0,0 +1,107 @@
+/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS
+IS/NEW_IMPROVEMENT[@_Type=‘Garage’]/@_CostAmount
+
+/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS
+IS/@NewImprovementTotalCostAmount
+
+/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS
+IS/DEPRECIATION/@_PhysicalAmount
+
+/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS
+IS/DEPRECIATION/@_FunctionalAmount
+
+/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS
+IS/DEPRECIATION/@_ExteriorAmount
+
+12
+
+12
+
+12
+
+12
+
+12
+
+Money
+
+PDF Display Format:
+Whole numbers only.
+
+Money
+
+PDF Display Format:
+Whole numbers only.
+
+Money
+
+PDF Display Format:
+Whole numbers only.
+
+Money
+
+PDF Display Format:
+Whole numbers only.
+
+Money
+
+PDF Display Format:
+Whole numbers only.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS
+IS/DEPRECIATION/@_TotalAmount
+
+12
+
+Money
+
+PDF Display Format:
+Whole numbers only.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS
+IS/@NewImprovementDepreciatedCostAmount
+
+/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS
+IS/@SiteOtherImprovementsAsIsAmount
+
+37
+
+COST APPROACH
+
+Indicated Value By Cost
+Approach
+
+Value Indicated By
+Cost Approach
+Amount
+
+The dollar value of the subject property
+indicated by the Cost Approach method
+of property valuation.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/COST_ANALYS
+IS/@ValueIndicatedByCostApproachAmount
+
+INCOME
+APPROACH
+
+Estimated Monthly Market Rent
+$
+
+Estimated Market
+Monthly Rent
+
+INCOME
+APPROACH
+
+Gross Rent Multiplier
+
+Gross Rent
+Multiplier Factor
+
+The estimated dollar value of the market
+monthly rent for a living unit or
+Specifies the Gross Rent Multiplier for
+the subject property. (e.g. Actual Sales
+Price divided by Actual Gross Monthly
+Rent = Gross Rent Multiplier (GRM))
diff --git a/chunks/txt/ab8b946bb64563cc002e2a0bfc0e77e11305fd05164d645b4ed94bafe7d6b33b.txt b/chunks/txt/ab8b946bb64563cc002e2a0bfc0e77e11305fd05164d645b4ed94bafe7d6b33b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dbb2e8403a457253e35b4ba53adfa4fef6a69d60
--- /dev/null
+++ b/chunks/txt/ab8b946bb64563cc002e2a0bfc0e77e11305fd05164d645b4ed94bafe7d6b33b.txt
@@ -0,0 +1,35 @@
+**Date:** 6/20/2024
+
+**Time:** 9:30 AM - 4:00 PM ET (check-in starts at 8:30 AM)
+
+**Location:** Hybrid - Streaming and in-person at the Federal Housing Finance Agency, Constitution Center, 400 7th Street, SW, Washington, D.C. 20219 (Conference Room ABC)
+
+[Recording, Transcript, and Related Materials](/news/videos/fhlbank-and-cdfi-symposium)
+
+## FHFA Spring Econ Summit
+
+**Date:** 6/13/2024
+
+**Time:** 12:00 PM - 5:00 PM ET
+
+**Location:** Virtual and In-Person at ​Federal Housing Finance Agency, Constitution Center, 400 7th Street, SW, Washington, D.C. 20219 (Conference Room ABC)​
+
+**Topic:** Homeownership Affordability in the Post-COVID World
+
+[Summit Agenda](/sites/default/files/2024-06/FHFA-Spr-2024-Econ-Summit-Agenda_0.pdf), [Speaker Profiles](/sites/default/files/2024-06/FHFA-Spr-2024-Econ-Summit-Speaker-Profiles.pdf)
+
+---
+
+## **February 2024**
+
+## **Save the Date: OCC to Host Public Hearing on Appraisal Bias**
+
+Date: 2/13/2024
+
+Time: 10:00 AM - 1:00 PM ET
+
+Location: Office of the Comptroller of the Currency (OCC), ​Constitution Center, 400 7th Street, S.W, Washington, D.C.
+
+Representatives from the Appraisal Foundation, state appraiser licensing and regulatory agencies, and active appraisers will testify before the subcommittee. Additionally, the subcommittee will discuss oversight of the appraisal profession, diversity within the profession, the development and reporting of appraisals, and other challenges that impact appraisals.
+
+[News Release and More Information](https://occ.gov/news-issuances/news-releases/2024/nr-occ-2024-2.html)
diff --git a/chunks/txt/ab90415cf9483fdf20c89ff9dbbba64c36f7bbeca69175c3953aa3e18b6a3be1.txt b/chunks/txt/ab90415cf9483fdf20c89ff9dbbba64c36f7bbeca69175c3953aa3e18b6a3be1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dcb0ed15b48f65275a52d928c185db617482ac59
--- /dev/null
+++ b/chunks/txt/ab90415cf9483fdf20c89ff9dbbba64c36f7bbeca69175c3953aa3e18b6a3be1.txt
@@ -0,0 +1,22 @@
+Fannie Mae
+Desktop Underwriter Specification
+Implementation Guide
+
+Document Version 2.6.1
+
+Version Date: August 8, 2025
+
+© 2025 Fannie Mae. Trademarks of the respective owners. MISMO
+Mortgage Industry Standards Maintenance Organization.
+
+®
+
+is a registered trademark of the
+
+Table of Contents
+
+Chapter 1: Introduction ................................................................................................................................. 4
+
+Introduction ........................................................................................................................................... 4
+
+Purpose ................................................................................................................................................. 4
diff --git a/chunks/txt/ab9599ced022fd8b9ca678b11b817a53af8db618df963839542140b6687aa875.txt b/chunks/txt/ab9599ced022fd8b9ca678b11b817a53af8db618df963839542140b6687aa875.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f0a759ea4f46e34525cfb9fce0440d918e3894fe
--- /dev/null
+++ b/chunks/txt/ab9599ced022fd8b9ca678b11b817a53af8db618df963839542140b6687aa875.txt
@@ -0,0 +1,135 @@
+The average percentage of the
+appraiser-selected comparable
+properties that are in the same
+census tract as the subject
+property.
+
+Allowable
+Values
+
+'1' = 3 Comps
+'2' = 4 Comps
+'3' = 5 Comps
+'4' = 6 Comps
+'5' = 7+ Comps
+'9' = Missing
+0% - 100%
+
+calculated_proximity
+
+Average Calculated
+Proximity of Comps to
+Subject Property
+
+reported_proximity
+
+Average Reported
+Proximity of Comps to
+Subject Property
+
+value_sale_comparison
+
+Value by Sales
+Comparison Approach
+
+The average distance in miles of
+the appraiser-selected
+comparables in relation to the
+subject property, as calculated
+by geocoding software.
+
+The average distance in miles of
+the appraiser-selected
+comparables in relation to the
+subject property, as reported
+by the appraiser.
+
+Appraiser-specified value
+indication of the subject
+property, using the Sales
+Comparison Approach only.
+
+Numeric
+
+0.00 – 10.00
+
+Numeric
+
+0.00 – 10.00
+
+Numeric
+
+$5,000 to
+$1,705,000
+
+Disclosure
+Avoidance
+Method
+Binned at the low
+end and top-
+coded at 7.
+
+Appraisal Form
+Section
+
+Notes
+
+Derived Field
+
+This data field
+includes all
+comparable
+properties regardless
+of whether we were
+able to geocode the
+addresses.
+
+Rounded to the
+nearest 1%.
+
+Derived Field
+
+Derived Field
+
+Derived Field
+
+Reconciliation
+
+Top coded at 10
+miles and
+rounded to
+nearest 0.01
+mile.
+
+Top coded to 10
+miles and
+rounded to
+nearest 0.01
+mile.
+
+Top coded to
+$1.7 million for
+high-cost areas
+and $720,000 for
+non-high-cost
+
+Federal Housing Finance Agency
+
+12
+
+Field Name
+
+Short Description
+
+Definition
+
+Format
+
+Allowable
+Values
+
+UAD PUF Version 2.1 Data Dictionary
+
+value_cost
+
+Value by Cost Approach
diff --git a/chunks/txt/ab967b8abe02f095af1e31cf7ab786bf66d22d9ad6aa3c33d0e1d3749dc20796.txt b/chunks/txt/ab967b8abe02f095af1e31cf7ab786bf66d22d9ad6aa3c33d0e1d3749dc20796.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9d4962d9f3f81fe89c0f43e53d963529d299cc26
--- /dev/null
+++ b/chunks/txt/ab967b8abe02f095af1e31cf7ab786bf66d22d9ad6aa3c33d0e1d3749dc20796.txt
@@ -0,0 +1,15 @@
+FHA Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF) Format Release Date **Annual Files (2017-2022)** CSV (zipped) [[.csv]](/document/fha_uad_puf_annual_v1_0_csv.zip) 10/28/2024 R (zipped) [[.rds]](/document/fha_uad_puf_annual_v1_0_rds.zip) 10/28/2024 SAS Binary (zipped) [[.sas7bdat]](/document/fha_uad_puf_annual_v1_0_sas7bdat.zip) 10/28/2024 SAS Transport (zipped) [[.cport]](/document/fha_uad_puf_annual_v1_0_cport.zip) 10/28/2024 Stata (zipped) [[.dta]](/document/fha_uad_puf_annual_v1_0_dta.zip) 10/28/2024 **Combined Files (2017-2022)** CSV (zipped) [[.csv]](/document/fha_uad_puf_combined_v1_0_csv.zip) 10/28/2024 R (zipped) [[.rds]](/document/fha_uad_puf_combined_v1_0_rds.zip) 10/28/2024 SAS Binary (zipped) [[.sas7bdat]](/document/fha_uad_puf_combined_v1_0_sas7bdat.zip) 10/28/2024 SAS Transport (zipped) [[.cport]](/document/fha_uad_puf_combined_v1_0_cport.zip) 10/28/2024 Stata (zipped) [[.dta]](/document/fha_uad_puf_combined_v1_0_dta.zip) 10/28/2024
+
+**C​​onta​ct**
+
+If you have any questions or comments about the data or documents, please email [UADdata@fhfa.gov](mailto:UADdata@fhfa.gov).
+
+*Page last updated: February 4, 2025​​​​​​*
+
+- **Presentations**
+
+[Introduction to the UAD PUF](/document/intro_uad_puf_hsug_20240112.pdf) (1/12/2024)​​​
+
+**Other Data**
+
+[UAD Aggregate Statistics](/data/uad) (10/28/2024)​​​
diff --git a/chunks/txt/aba6cd0ef5b2392cd5d54e18354d8f4fed33dc5b6954fe0d74502697cb69a4f2.txt b/chunks/txt/aba6cd0ef5b2392cd5d54e18354d8f4fed33dc5b6954fe0d74502697cb69a4f2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b143ef9c3175a4ed0722ac3bc0fe8382d158dc1d
--- /dev/null
+++ b/chunks/txt/aba6cd0ef5b2392cd5d54e18354d8f4fed33dc5b6954fe0d74502697cb69a4f2.txt
@@ -0,0 +1,15 @@
+The Federal Housing Finance Agency (FHFA) is an independent agency that was established by the [Housing and Economic Recovery Act of 2008](/government#HERA) (HERA). The agency is responsible for the effective supervision, regulation, and oversight of the housing mission of the [Federal National Mortgage Association (Fannie Mae)](/supervision/fannie-mae-and-freddie-mac), the [Federal Home Loan Mortgage Corporation (Freddie Mac)](/supervision/fannie-mae-and-freddie-mac), and the [Federal Home Loan Bank System](/supervision/federal-home-loan-bank-system), which includes the 11 Federal Home Loan Banks (FHLBanks) and the Office of Finance (OF). The FHFA's mission is to ensure that Fannie Mae and Freddie Mac (the Enterprises) and the FHLBanks (together, "the regulated entities") fulfill their mission by operating in a safe and sound manner to serve as a reliable source of liquidity and funding for housing finance and community investment. Since 2008, FHFA has also served as conservator of Fannie Mae and Freddie Mac.
+
+## Our Mission
+
+Ensure the regulated entities fulfill their mission by operating in a safe and sound manner to serve as a reliable source of liquidity and funding for the housing finance market throughout the economic cycle.
+
+## Our Vision
+
+For FHFA’s supervisory, regulatory, and mission-related activities to support a reliable, stable, equitable, and liquid U.S. housing finance system.
+
+## Our 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.
diff --git a/chunks/txt/aba7f0bd7a8476a32c41109d1c595d33e24a6ddf442c9ca57295aa3f4565aa2e.txt b/chunks/txt/aba7f0bd7a8476a32c41109d1c595d33e24a6ddf442c9ca57295aa3f4565aa2e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2fa9f4574434ea2c1d72ccee978d9a26121c93f1
--- /dev/null
+++ b/chunks/txt/aba7f0bd7a8476a32c41109d1c595d33e24a6ddf442c9ca57295aa3f4565aa2e.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/policy/non-performing-re-performing-loan-sales"
+date_accessed: "2026-01-27T17:54:20.328Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/abc27b56aeeda72cd626be9ae84ab89f6fe8d3439bdf544c836ecb37c3cef924.txt b/chunks/txt/abc27b56aeeda72cd626be9ae84ab89f6fe8d3439bdf544c836ecb37c3cef924.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f248f8137d65dc5fddc8565cda288c406962e8ac
--- /dev/null
+++ b/chunks/txt/abc27b56aeeda72cd626be9ae84ab89f6fe8d3439bdf544c836ecb37c3cef924.txt
@@ -0,0 +1,83 @@
+Uniform Appraisal Dataset
+
+Appendix 3: ANSI Examples
+
+Sales Comparison Approach
+
+In this example, Comparable #1 is also a cape cod-style house, with above grade nonstandard finished areas on
+the second floor, and no nonstandard finished areas below grade.
+
+Unit(s) Subsection
+
+This example shows how the finished and unfinished areas above and below grade would display in the Unit(s)
+subsection.
+
+Summary Subsection
+
+In the Summary subsection, Price Per Finished Area Above Grade for the comparable includes the nonstandard
+finished area.
+
+• Sale Price ($330,000) / (Finished Area Above Grade (1,480) + Finished Area Above Grade (Nonstandard)
+
+(480)) = $168
+
+Appendix F-1: URAR Reference Guide
+
+Page 354 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Appendix 3: ANSI Examples
+
+ANSI Examples 2 and 3: Areas Without Direct Interior Access
+
+For properties with more than one unit in a dwelling (Units in Structure 8.001 is more than 1), these examples provide guidance on the reporting of
+areas that do not have direct interior access from a unit. Below grade areas are attributed to the lowest level unit.
+
+Grade
+Level
+
+Above
+Grade
+
+Below
+Grade
+
+Finish
+
+Unit Interior
+
+Sales Grid
+
+GRM Comp Grid
+
+ANSI Example
+
+Finished
+
+Unfinished
+
+Finished
+
+Unfinished
+
+Dwelling(s)
+Included in Gross Building Finished Area 22.05.04
+
+Included in Gross Building Finished Area 24.003
+
+Area Breakdown
+Unfinished Above Grade 10.005
+
+Unit(s)
+Unfinished Area Above Grade 22.07.10
+
+Level and Room Detail
+Finish (Unfinished) Area 10.031, 10.032
+
+Dwelling(s)
+Included in Gross Building Finished Area 22.05.04
+
+Included in Gross Building Finished Area 24.003
diff --git a/chunks/txt/abc461eb31d8933b627c61affdf22b6480d5fe87c11431e4f395e7674b9c1710.txt b/chunks/txt/abc461eb31d8933b627c61affdf22b6480d5fe87c11431e4f395e7674b9c1710.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f0ce6f573851a388cb1188575eba01b9b3cd8eb3
--- /dev/null
+++ b/chunks/txt/abc461eb31d8933b627c61affdf22b6480d5fe87c11431e4f395e7674b9c1710.txt
@@ -0,0 +1,187 @@
+New or Like New
+
+Q4
+
+Vinyl
+
+Post and Pier
+
+C3
+
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+Q3
+
+Cement Board
+
+Crawl Space
+
+C2
+
+New or Like New
+
+New or Like New
+
+Q3
+
+Q3
+
+Q4
+
+Q3
+
+Energy Star appliances
+and wood cabinets
+
+Energy Star appliances
+and wood cabinets
+
+Builder Grade Quality
+Appliances and Cabinets
+
+Overall Bathrooms
+
+Metal plumbing fixtures
+
+Metal plumbing fixtures
+
+Condition
+
+Kitchen
+
+Overall Bathrooms
+
+C2
+
+Fully Updated
+
+Fully Updated
+
+C2
+
+Fully Updated
+
+Fully Updated
+
+Builder Grade Finishes
+and Fixtures
+
+C3
+
+Not Updated
+
+Not Updated
+
+Energy Star appliances
+and wood cabinets
+
+Metal plumbing fixtures
+
+C2
+
+Fully Updated
+
+Fully Updated
+
+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 12 of 20
+
+Sales Comparison Approach (continued)
+
+Property Address
+
+123 Anywhere St
+Somecity, TN 12345
+
+42 Forest Ln
+Somecity, TN 12345
+
+542 New East St
+Somecity, TN 12345
+
+7525 New South Hwy
+Somecity, TN 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
+
+Vehicle Storage
+
+Type | Spaces | Detail
+
+Summary
+
+List Price
+
+Contract Price
+
+Sale Price
+
+Net Adjustment Total
+
+Price Per Finished Area
+Above Grade
+
+Adjusted Price
+
+Comparable Weight
+
+Q3
+
+C2
+
+Q3
+
+C2
+
+Q4
+
+C3
+
+$10,000
+
+$10,000
+
+Q3
+
+C2
+
+Patio | Porch
+
+Patio | Porch
+
+Patio
+
+$5,000
+
+Porch
+
+$2,500
+
+Driveway | 4 | Pavers
+Garage | 2 | Attached
+400 Sq. Ft.
+
+Driveway | 2 | Asphalt
+Garage | 2 | Attached
+400 Sq. Ft.
diff --git a/chunks/txt/abcd10fbba0260ed92b6f6f8e0a55026bcf87273ca8f598a430dae6e1ddb3aff.txt b/chunks/txt/abcd10fbba0260ed92b6f6f8e0a55026bcf87273ca8f598a430dae6e1ddb3aff.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7d82b9a56d34aa0303b0933d748eb6c5169ef82e
--- /dev/null
+++ b/chunks/txt/abcd10fbba0260ed92b6f6f8e0a55026bcf87273ca8f598a430dae6e1ddb3aff.txt
@@ -0,0 +1,53 @@
+d. GSE-specific data supporting the submission of UCD data as a MISMO SMARTDoc®.
+
+e. GSE-specific attributes supporting the xlink function to tie organizations to individual contacts and the borrower
+
+and property seller to their signatures.
+
+f. Certain data points collecting unstructured text.
+
+UCD v2.0 Implementation Guide
+
+- 1 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+I. Introduction
+
+3. WHAT’S THE SAME
+
+a. Data points supporting fields on the CD and needed by the GSEs
+
+b. GSE-specific data points not appearing on the CD that are needed to support GSE data requirements related to the
+
+closing transaction and High-Cost and Qualified Mortgages.
+
+c. XML-required data points to identify and exchange the UCD file.
+
+C. UCD V2.0 IMPLEMENTATION GUIDE PURPOSE
+
+The purpose of the UCD v2.0 Implementation Guide (I-Guide) is to be a reference manual to help users understand and
+implement the XML file successfully. The focus of the content is not the CD form, but rather the GSEs’ closing transaction data
+requirements as set forth in UCD v2.0.
+
+The goal of the I-Guide is to enable the construction of a UCD XML file that fully complies with UCD v2.0. Therefore, the
+document provides a better understanding of the MISMO v3.3.0 dataset on which the XML file is based.
+
+The I-Guide does not prescribe how to comply with TRID. The intent is solely to explain how to comply with UCD v2.0.
+
+UCD v2.0 Implementation Guide
+
+- 2 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+II. I-Guide Format
+
+II. I-GUIDE FORMAT
+
+This section sets forth how the I-Guide is organized. Tables and figures used in each section are explained. Any text formatting
+that occurs is identified and described.
diff --git a/chunks/txt/abce5e9dbd2d6cde7fca1df38af0a5a9726138059c82033c7a7ba7cd18f5dbb8.txt b/chunks/txt/abce5e9dbd2d6cde7fca1df38af0a5a9726138059c82033c7a7ba7cd18f5dbb8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9653473f6157a5a7c817f18ad2bd3b13e237c5e3
--- /dev/null
+++ b/chunks/txt/abce5e9dbd2d6cde7fca1df38af0a5a9726138059c82033c7a7ba7cd18f5dbb8.txt
@@ -0,0 +1,123 @@
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+
+10
+
+Date/Time
+
+Data Format:
+yyyy-mm-dd
+
+PDF Display Format:
+mm/dd/yyyy
+
+This field is required if field 2-98
+(Subject Has Prior Sales Indicator = 'Y')
+is indicated.
+
+CR
+
+CR
+
+CR
+
+312
+
+2
+
+105
+
+PRIOR SALE
+HISTORY
+
+Price of Prior Sale/Transfer
+SUBJECT
+
+Property Sales
+Amount
+
+The sales price of the referenced property.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0’]/PRIOR_SALES/@
+PropertySalesAmount
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+
+9
+
+Money
+
+PDF Display Format:
+Whole dollars only.
+
+This field is required if field 2-98
+(Subject Has Prior Sales Indicator = 'Y')
+is indicated.
+
+CR
+
+CR
+
+CR
+
+313
+
+2
+
+106
+
+PRIOR SALE
+HISTORY
+
+Data Source(s)
+SUBJECT
+
+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='0']/PRIOR_SALES/@
+DataSourceDescription
+
+30
+
+String
+
+314
+
+2
+
+107
+
+PRIOR SALE
+HISTORY
+
+Effective Date of Data Source(s)
+SUBJECT
+
+Data Source
+Effective Date
+
+The effective date of the source of
+information.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier=‘0’]/PRIOR_SALES/
+@DataSourceEffectiveDate
+
+10
+
+Date/Time
+
+Data Format:
+yyyy-mm-dd
+
+PDF Display Format:
+mm/dd/yyyy
+
+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 subject
+property.
diff --git a/chunks/txt/abe0d52aa33722839a0b4428ef7d4694d306a85a26f9e55a1547c60798f6729d.txt b/chunks/txt/abe0d52aa33722839a0b4428ef7d4694d306a85a26f9e55a1547c60798f6729d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..caa9d927b2de1cd2efbea92636105c9f312d7e34
--- /dev/null
+++ b/chunks/txt/abe0d52aa33722839a0b4428ef7d4694d306a85a26f9e55a1547c60798f6729d.txt
@@ -0,0 +1,83 @@
+Appraiser Fee and AMC Fee
+
+Appraiser Fee and AMC Fee, if provided, are each a type-value pair in the XML that is included in the corresponding instance of PARTY:
+
+• Appraiser Fee, if provided, is included in the instance with PartyRoleType (UID: 2400.0056, FID: Not on report) = “Appraiser”, as
+
+described in the Appraiser and Supervisory Appraiser subsection in this chapter (2.017-2.131).
+
+• AMC Fee, if provided, is included in the instance with the AMC, as described in the [Role]/[Role] subsection in this chapter (2.032-
+
+2.046).
+
+o PartyRoleType (UID: 2400.0300, FID: 2.010) = “ManagementCompany” if the AMC is not the client.
+o PartyRoleType (UID: 2400.0017, FID: 2.011) = “ManagementCompany” if the AMC is the client.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 84
+
+Assignment Information: General Information
+
+Report
+Field ID
+
+Report Label Unique ID MISMO Data Point Name
+
+Display Rules
+
+2.006
+
+Appraiser
+Fee
+
+1000.0010
+
+FeeType
+
+Display when FeeType = “AppraisalFee” AND Exists
+
+1000.0011
+
+ProvidedServiceActualCostAmount
+
+If not provided, do not display report label.
+
+1000.0152
+
+FeeType
+
+Display when FeeType = “AppraisalManagementCompanyFee” AND Exists
+
+1000.0153
+
+ProvidedServiceActualCostAmount
+
+If not provided, do not display report label.
+
+2.007
+
+AMC Fee
+
+1000.0004
+
+FeeType
+
+Display when FeeType = “AppraisalManagementCompanyFee” AND PartyRoleType = “Client” AND
+Exists.
+
+1000.0005
+
+ProvidedServiceActualCostAmount
+
+If not provided, do not display report label.
+
+Example of Appraiser Fee and AMC Fee
+
+Figure 2 - 1
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 85
+
+Government Agency Appraisals and Special Identification
diff --git a/chunks/txt/abe387aaaa66ba81bf2dd43f1203b1dd43da72c5830fa04b5231b02907eed7a7.txt b/chunks/txt/abe387aaaa66ba81bf2dd43f1203b1dd43da72c5830fa04b5231b02907eed7a7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..788edf1f998d8b58e325d57cb56b05d35898bbbb
--- /dev/null
+++ b/chunks/txt/abe387aaaa66ba81bf2dd43f1203b1dd43da72c5830fa04b5231b02907eed7a7.txt
@@ -0,0 +1,24 @@
+April 10, 2023
+
+## [FHLBank System at 100: Wrap-Up Public Listening Session Day 3](/news/videos/fhlbank-system-at-100-wrap-up-public-listening-session-day-3)
+
+![Preview image for the video "FHLBank System at 100: Wrap-Up Public Listening Session Day 3".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E)
+ - Video
+
+April 10, 2023
+
+## [FHLBank System at 100: Wrap-Up Public Listening Session Day 2](/news/videos/fhlbank-system-at-100-wrap-up-public-listening-session-day-2)
+
+![Preview image for the video "FHLBank System at 100: Wrap-Up Public Listening Session Day 2".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E)
+ - Video
+
+April 10, 2023
+
+## [FHLBank System at 100: Wrap-Up Public Listening Session Day 1](/news/videos/fhlbank-system-at-100-wrap-up-public-listening-session-day-1)
+
+![Preview image for the video "FHLBank System at 100: Wrap-Up Public Listening Session Day 1".](data:image/svg+xml;charset=utf-8,%3Csvg%20xmlns%3D'http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg'%20viewBox%3D'0%200%201%201'%2F%3E)
+ - Video
+
+March 21, 2023
+
+## [FHLBank System at 100: Boston, MA Regional Roundtable](/news/videos/fhlbank-system-at-100-boston-ma-regional-roundtable)
diff --git a/chunks/txt/abe6c800d8251dd38bfad3aff4ea4c81fd94b0cb32477ea9a0ec5fb4223f420d.txt b/chunks/txt/abe6c800d8251dd38bfad3aff4ea4c81fd94b0cb32477ea9a0ec5fb4223f420d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..caa83b9168e3c7de4f387428ed195eec29b6179e
--- /dev/null
+++ b/chunks/txt/abe6c800d8251dd38bfad3aff4ea4c81fd94b0cb32477ea9a0ec5fb4223f420d.txt
@@ -0,0 +1,233 @@
+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
+
+T
+
+T
+
+R
+
+R
+
+T
+
+T
+
+T
+
+R
+
+R
+
+T
+
+T
+
+T
+
+R
+
+R
+
+T
+
+Form FNM 1073 FRE 465
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 111 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
+
+Should be populated if field 3-44 (Sale
+Price Adjustment Type Other
+Description) is populated.
+
+Should be populated if field 3-46 (Sale
+Price Adjustment Type Other
+Description) is populated.
+
+Should be populated if field 3-48 (Sale
+Price Adjustment Type Other
+Description) is populated.
+
+371
+
+372
+
+373
+
+374
+
+375
+
+376
+
+377
+
+378
+
+379
+
+380
+
+381
+
+382
+
+383
+
+384
+
+385
+
+386
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+44
+
+45
+
+46
+
+47
+
+48
+
+49
+
+50
+
+51a
+
+51b
+
+51c
+
+51d
+
+52
+
+53
+
+54
+
+55
+
+56
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+Extra Item Feature Name
+
+Sale Price
+Adjustment Type
+Other Description
+
+A free form text field used to capture
+additional information when Other is
+selected for Sale Price Adjustment Type.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_PRICE_AD
+JUSTMENT[@_Type='Other'][1]/@_TypeOtherDescription
diff --git a/chunks/txt/abf0ebdba750fde84bf3aafa3b80064adc5b716033c507f9d4c771b5d98f6807.txt b/chunks/txt/abf0ebdba750fde84bf3aafa3b80064adc5b716033c507f9d4c771b5d98f6807.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1ad76d1b082377cd259a82b0f827c7632cc5355f
--- /dev/null
+++ b/chunks/txt/abf0ebdba750fde84bf3aafa3b80064adc5b716033c507f9d4c771b5d98f6807.txt
@@ -0,0 +1,300 @@
+Data Source:
+MLS 425021
+
+Lease Start
+Date: 08/2019
+
+Data Source:
+MLS 342332
+
+Lease Start
+Date: 02/2020
+
+Actual Rent: $925
+
+Actual Rent: $800
+
+Actual Rent: $1,000
+
+Comparable #4
+1776 Whitecrest Rd
+Unit 1
+Surfside, HI 12345
+
+Comparable #5
+1776 Whitecrest Rd
+Unit 2
+Surfside, HI 12345
+
+Data Source:
+MLS 442332
+
+Lease Start
+Date: 10/2019
+
+Data Source:
+MLS 542332
+
+Lease Start
+Date: 09/2019
+
+Actual Rent: $1,300
+
+Actual Rent: $1,200
+
+Comparable Rental Analysis
+
+Proximity to Subject
+
+Neighborhood Name
+
+Site Influence
+
+View from Unit
+
+Site Size
+
+Interior Condition
+
+Bedrooms
+
+Baths - Full | Half
+
+Finished Area
+
+Furnished
+
+Utilities/Services
+Included
+
+Rent Control
+
+Rent Concessions
+
+Subject
+Unit 1
+
+Hawaiian
+Vista
+
+Busy
+Roadway
+
+#1
+
+0.4 Miles N
+
+Comparables
+#2
+0.4 Miles SE
+
+Bay Hills
+
+Hillview
+
+#3
+1 Miles W
+
+Bayville
+
+Similar
+
+Similar
+
+Similar
+
+Subject
+Unit 2
+
+Hawaiian
+Vista
+
+Busy
+Roadway
+
+#1
+
+0.4 Miles N
+
+Bay Hills
+
+Similar
+
+Comparables
+#4
+0.5 Miles NE
+
+Hillview
+Gardens
+
+Similar
+
+#5
+0.5 Miles NE
+
+Hillview
+Gardens
+
+Similar
+
+Residential
+
+Similar
+
+Similar
+
+Superior
+
+Residential
+
+Similar
+
+Similar
+
+Similar
+
+11,997 Sq. Ft.
+
+43,560 Sq. Ft.
+
+8,250 Sq. Ft.
+
+15,000 Sq. Ft.
+
+11,997 Sq. Ft.
+
+43,560 Sq. Ft.
+
+12,000 Sq. Ft.
+
+12,000 Sq. Ft.
+
+C4
+
+2
+
+1 | 0
+
+C4
+
+2
+
+1 | 0
+
+C4
+
+2
+
+1 | 0
+
+C4
+
+3
+
+2 | 0
+
+C4
+
+2
+
+1 | 0
+
+C4
+
+2
+
+1 | 0
+
+C3
+
+2
+
+1 | 0
+
+C4
+
+3
+
+2 | 0
+
+864 Sq. Ft.
+
+864 Sq. Ft.
+
+820 Sq. Ft.
+
+1,056 Sq. Ft.
+
+864 Sq. Ft.
+
+864 Sq. Ft.
+
+900 Sq. Ft.
+
+1,260 Sq. Ft.
+
+No
+
+No
+
+No
+
+No
+
+No
+
+No
+
+No
+
+No
+
+No
+
+No
+
+No
+
+No
+
+No
+
+No
+
+No
+
+No
+
+—
+
+No
+
+No
+
+—
+
+No
+
+No
+
+No
+
+No
+
+No
+
+No
+
+No
+
+No
+
+No
+
+No
+
+No
+
+No
+
+Vehicle Storage | Spaces
diff --git a/chunks/txt/ac07adf972bee9d0db634fd0cff520cb7a834ffe6445403d64f183e08366cf13.txt b/chunks/txt/ac07adf972bee9d0db634fd0cff520cb7a834ffe6445403d64f183e08366cf13.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2a3820ef5950fac22789f5abb84e5673a5642679
--- /dev/null
+++ b/chunks/txt/ac07adf972bee9d0db634fd0cff520cb7a834ffe6445403d64f183e08366cf13.txt
@@ -0,0 +1,117 @@
+CR
+
+CR
+
+CR
+
+410
+
+3
+
+73
+
+SALES
+COMPARISON
+APPROACH
+
+and Rec. Facilities
+
+Sale Price
+Adjustment
+Description
+
+A free form text field used to further
+describe the property feature which is
+identified by Sales Price Adjustment
+Type. (i.e. Location, Condition, etc.)
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_
+ADJUSTMENT[@_Type='RecreationFacilities']/@_Description
+
+20
+
+String
+
+This field should indicate the recreational facilities of the comparable project.
+
+T
+
+T
+
+T
+
+411
+
+412
+
+413
+
+3
+
+3
+
+3
+
+74
+
+75
+
+76
+
+SALES
+COMPARISON
+APPROACH
+
+and Rec. Facilities Adjustment
+
+SALES
+COMPARISON
+APPROACH
+
+Floor Location
+
+SALES
+COMPARISON
+APPROACH
+
+Floor Location Adjustment
+
+Sale Price
+Adjustment
+Amount
+
+Sale Price
+Adjustment
+Description
+
+Sale Price
+Adjustment
+Amount
+
+The dollar amount of the adjustment
+applied to the sale price for the property
+feature identified by Sale Price
+Adjustment Type.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_
+ADJUSTMENT[@_Type='RecreationFacilities']/@_Amount
+
+A free form text field used to further
+describe the property feature which is
+identified by Sales Price Adjustment
+Type. (i.e. Location, Condition, etc.)
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPARISO
+N/COMPARABLE_SALE[@PropertySequenceIdentifier='1..N']/SALE_PRICE_
+ADJUSTMENT[@_Type='FloorLocation']/@_Description
+
+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='FloorLocation']/@_Amount
diff --git a/chunks/txt/ac0b7a533805228fe37147c451d5151eea200f4ffb843dcbf6a3b3233b2095be.txt b/chunks/txt/ac0b7a533805228fe37147c451d5151eea200f4ffb843dcbf6a3b3233b2095be.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fe514fc0864bf3234e92a90d912862b7005c704e
--- /dev/null
+++ b/chunks/txt/ac0b7a533805228fe37147c451d5151eea200f4ffb843dcbf6a3b3233b2095be.txt
@@ -0,0 +1,14 @@
+January 23
+
+UCD Critical Edits -
+Phase 3
+Implementation
+
+On Jan. 23, Fannie Mae implemented one new warning-to-fatal severity UCD Phase 3 edit:
+
+Edit 3669: When the Escrow indicator is equal to “true” at least one Escrow Item Type must be provided.
+
+See the UCD Feedback Messages revision history tab and the Phase 3 edits tab for all updates. Please refer to the UCD Critical
+Edits Transition Resources page for additional resources.
+
+© 2023 Fannie Mae 12.14.23 Page 5 of 5
diff --git a/chunks/txt/ac15e408f9ae324413ae5169a668fe7d272e6ade1528efd95465fe8436b6f177.txt b/chunks/txt/ac15e408f9ae324413ae5169a668fe7d272e6ade1528efd95465fe8436b6f177.txt
new file mode 100644
index 0000000000000000000000000000000000000000..568d5aa451ecc15c83f4c693f44e63d62106a811
--- /dev/null
+++ b/chunks/txt/ac15e408f9ae324413ae5169a668fe7d272e6ade1528efd95465fe8436b6f177.txt
@@ -0,0 +1,133 @@
+8.003
+
+8.004
+
+8.005
+
+8.006
+
+8.007
+
+8.008
+
+8.009
+
+8.010
+
+8.011
+
+8.012
+
+8.013
+
+8.014
+
+8.015
+8.016
+
+8.017
+8.018
+
+8.019
+
+8.022
+
+8.020
+
+8.021
+
+8.041
+
+8.041
+
+8.041
+
+8.041
+
+8.041
+
+8.025
+
+8.029
+
+8.033
+
+8.037
+
+8.042
+
+8.026
+
+8.030
+
+8.034
+
+8.038
+
+8.043
+
+8.027
+
+8.031
+
+8.035
+
+8.039
+
+8.044
+
+8.000.1
+
+8.023
+
+8.024
+
+8.028
+
+8.032
+
+8.036
+
+8.040
+
+8.045
+
+8.046
+
+8.052
+
+8.047
+
+8.048
+
+8.049
+
+8.051
+
+8.050
+
+8.053
+
+8.054
+
+8.055
+
+8.056
+
+8.057
+
+8.058
+
+8.059
+
+8.060
+
+8.061
+
+8.062.1 | 8.062.2
+8.000.1 | 8.000.2
+8.047.1 | 8.047.2
+8.056.1 | 8.056.2
+
+(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)(cid:1)
+(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)
diff --git a/chunks/txt/ac174d7f016b66a24379be0700b741a6dbad45219e0a4826368f077cf6aa03ba.txt b/chunks/txt/ac174d7f016b66a24379be0700b741a6dbad45219e0a4826368f077cf6aa03ba.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5b42b36f344a6843df311051a15bb9224d78c50e
--- /dev/null
+++ b/chunks/txt/ac174d7f016b66a24379be0700b741a6dbad45219e0a4826368f077cf6aa03ba.txt
@@ -0,0 +1,96 @@
+Financial Sales Concessions
+
+Financial assistance paid by or on behalf of the seller as an inducement to purchase the subject property
+
+Known Sales Concessions
+Total Sales Concessions
+
+Typical for Market
+
+Sales Contract Analysis
+
+Sales Contract Exhibits
+
+Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024
+
+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
+
+Transfer Terms
+
+Date
+
+Amount
+
+Data Source
+
+Analysis of Prior Sale and Transfer History of Subject Property
+
+Comparable Transfer History
+
+Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)
+#
+
+Transfer Terms
+
+Data Source
+
+Amount
+
+Date
+
+Analysis of Prior Sale and Transfer History of Comparable Sales
+
+Prior Sale and Transfer History Exhibits
+
+Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024
+
+PG BRK
+
+Sales Comparison Approach
+
+General Information
+
+Property Address
+
+Subject Property
+
+Comparable #
+
+Comparable #
+
+Comparable #
+
+Data Source
+
+Proximity to Subject
+
+List Price
+
+Listing Status
+
+Contract Price
+
+Sale Price
+
+Transfer Terms
+
+Financing Type
+
+Sales Concessions
+
+Contract Date
+
+Sale Date
+
+Days on Market
+
+Sale to List Price Ratio
+
+Attached/Detached
diff --git a/chunks/txt/ac29c795ea2aa5fe19bb237e12ae497653bae814ce2136f179acaf98a3d104ae.txt b/chunks/txt/ac29c795ea2aa5fe19bb237e12ae497653bae814ce2136f179acaf98a3d104ae.txt
new file mode 100644
index 0000000000000000000000000000000000000000..981ea935dcdade3b10e91cd6ef435fc250282043
--- /dev/null
+++ b/chunks/txt/ac29c795ea2aa5fe19bb237e12ae497653bae814ce2136f179acaf98a3d104ae.txt
@@ -0,0 +1,228 @@
+PROJECT
+INFORMATION
+
+Subject Phase
+# of Owner Occupied Units
+
+Owner Occupied
+Unit Count
+
+The number of units occupied by their
+owners.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE
+[@_Type='SubjectPhase']/@OwnerOccupiedUnitCount
+
+165
+
+1
+
+158
+
+PROJECT
+INFORMATION
+
+If Project Completed
+# of Phases
+
+Development Stage
+Total Phases Count
+
+Number of phases that exist in the project.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE
+[@_Type='Complete']/@_TotalPhasesCount
+
+166
+
+1
+
+159
+
+PROJECT
+INFORMATION
+
+If Project Completed
+# of Units
+
+Completed Units
+Count
+
+Total number of completed living units.
+
+/VALUATION_RESPONSE/PROPERTY/PROJECT/DEVELOPMENT_STAGE
+[@_Type='Complete']/@CompletedUnitsCount
+
+20
+
+20
+
+20
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+6
+
+Numeric
+
+String
+
+Numeric
+
+Numeric
+
+Numeric
+
+Numeric
+
+Numeric
+
+Numeric
+
+Numeric, to two decimal places: 1.25 parking spaces per unit
+
+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.
+
+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
+
+Either all of fields 1-158, 1-159, 1-160,
+1-161, 1-162, 1-163 (Development
+Stage Type = 'Complete') or all of fields
+1-164, 1-165, 1-166, 1-167, 1-168, 1-
+169 (Development Stage Type =
+'Incomplete') should be populated. One
+and only one of these two sets of fields
+should be populated, and the other set
+of fields should be left blank.
+
+Either all of fields 1-158, 1-159, 1-160,
+1-161, 1-162, 1-163 (Development
+Stage Type = 'Complete') or all of fields
+1-164, 1-165, 1-166, 1-167, 1-168, 1-
+169 (Development Stage Type =
+'Incomplete') should be populated. One
+and only one of these two sets of fields
+should be populated, and the other set
+of fields should be left blank.
diff --git a/chunks/txt/ac4568d92fcb7dc76b12ee9c638a4ed3515fc083e35ba80d6de2b0b22477cbfe.txt b/chunks/txt/ac4568d92fcb7dc76b12ee9c638a4ed3515fc083e35ba80d6de2b0b22477cbfe.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d2126c634293a2e4a7daa2f39019c99109af5c3e
--- /dev/null
+++ b/chunks/txt/ac4568d92fcb7dc76b12ee9c638a4ed3515fc083e35ba80d6de2b0b22477cbfe.txt
@@ -0,0 +1,53 @@
+Appendix B-1: URAR Implementation Guide v1.3
+
+• Contiguous - ParcelsContiguousIndicator (UID: 1500.0095, FID: 4.003) displays
+
+o When false, display “No”
+o When true, display “Yes”
+
+• Elements Dividing Parcels - ParcelSeparatorType (UID: 1500.0020, FID: 4.004) displays
+o When there are multiple parcels, separate with “|” (e.g., Body of Water | Road)
+
+• Dimensions - SiteDimensionsDescription (UID: 1500.0160, FID: 4.001) display when GovernmentAgencyAppraisalIndicator (UID:
+
+1000.0028, FID: Not on report) = “true” and is provided
+
+Figure 4 - 1
+
+Page 115
+
+Information for each parcel
+
+For each parcel identified, additional data is required:
+
+• Assessor Parcel Number (APN) - ParcelIdentificationType (UID: 1500.0026, FID: 4.005)
+
+o Display unless ProjectLegalStructureType = “Cooperative” or when an APN is not available for the parcel.
+
+• APN Description - ParcelDescriptionClassificationType (UID: 1500.0023, FID: 4.006)
+• Parcel Size - ParcelAreaMeasure (UID: 1500.0022, FID: 4.007)
+• Each parcel displays as a separate row in the table.
+
+Example: For a single-family property where the subject site is not owned in common. (Figure 4 - 2)
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Figure 4 - 2
+
+Page 116
+
+Example: For a condo where subject site is owned in common. (Figure 4 - 3)
+
+Figure 4 - 3
+
+Zoning
+
+• Under Zoning, Compliance - SiteZoningComplianceType (UID: 1500.0125, FID: 4.008) always displays.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 117
+
+When Compliance - SiteZoningComplianceType = “Legal” display:
+
+• Classification Code - SiteZoningClassificationIdentifier (UID: 1500.0122, FID: 4.009)
diff --git a/chunks/txt/ac4cd6fb3927fcbf7fc72417ae585bc2d8489e70d34acf2b84fd0df545cfbdeb.txt b/chunks/txt/ac4cd6fb3927fcbf7fc72417ae585bc2d8489e70d34acf2b84fd0df545cfbdeb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..85875b833ead0800e1d3589eb66f63a68ed627f4
--- /dev/null
+++ b/chunks/txt/ac4cd6fb3927fcbf7fc72417ae585bc2d8489e70d34acf2b84fd0df545cfbdeb.txt
@@ -0,0 +1,76 @@
+Uniform Appraisal Dataset (UAD) Specification
+
+Issued by Fannie Mae and Freddie Mac
+Appendix C‐3: Completion Report with 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
+
+Updated date in Footer (HF.004) to September 2024.
+Updated date in Footer (HF.004) to December 2023.
+
+2023‐003
+
+Updated predefined text for all Supervisory Appraiser Certifications (09.021‐
+022, 09.033‐036).
+
+Initial publication
+
+The purpose of this document is to show all possible Report Labels that may display on the Completion
+Report, regardless of conditionality. This is not intended to represent a realistic report as a Completion
+Report will never contain all of the available fields in one report. The red superimposed number is the
+Report Field ID.
+
+Term
+Report Label
+Report Field ID (FID)
+
+Definition
+The name of the field as shown on the Completion Report.
+A red number identifying the specific location of the field on the Completion Report. Report Field ID (FID) is also
+referenced in:
+
+
+
+
+Appendix A‐3: UAD Completion Report Delivery Specification
+Appendix B‐3: Completion Report Implementation Guide
+Appendix F‐3: Completion Report Reference Guide
diff --git a/chunks/txt/ac56bbc0b124e389c83373a83aa58fdc43a909819a3f51b615da0c2e4e18090c.txt b/chunks/txt/ac56bbc0b124e389c83373a83aa58fdc43a909819a3f51b615da0c2e4e18090c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7a8cf2e9e091b82061be9153e1d0e366bf836cf6
--- /dev/null
+++ b/chunks/txt/ac56bbc0b124e389c83373a83aa58fdc43a909819a3f51b615da0c2e4e18090c.txt
@@ -0,0 +1,90 @@
+Reporting Format:
+County – Text
+
+Assessor’s Parcel #
+The appraiser should enter any available
+assessor’s parcel number(s) that would further
+identify the subject parcel/property. The parcel
+number(s) should be in the same format used
+by the taxing agency, including all spaces and
+dashes as applicable. If no parcel number is
+available, enter ‘None’.
+
+Reporting Format:
+Assessor’s Parcel Number – Text
+The appraiser should separate multiple parcel
+numbers with a semicolon.
+
+• 1073 Hybrid/465H
+
+• 1073 Desktop/465D
+
+• 1075/466
+
+• 1004/70
+
+REQUIREMENT
+
+• 1004 Hybrid/70H
+
+• 1004 Desktop/70D
+
+• 2055/2055
+
+• 1073/465
+
+• 1073 Hybrid/465H
+
+• 1073 Desktop/465D
+
+• 1075/466
+
+• 1004/70
+
+REQUIREMENT
+
+• 1004 Hybrid/70H
+
+• 1004 Desktop/70D
+
+• 2055/2055
+
+• 1073/465
+
+• 1073 Hybrid/465H
+
+• 1073 Desktop/465D
+
+• 1075/466
+
+Page 8 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.
+
+Tax Year, Real Estate Taxes $
+
+• 1004/70
+
+REQUIREMENT
+
+The appraiser should enter the tax year. If the
+tax year spans two calendar years, the
+appraiser should enter the first year only.
+
+The appraiser should report the amount of
+taxes payable on the subject property,
+expressed as an annual or annualized
+amount. If real estate taxes are payable to
+more than one entity, the appraiser should
+enter the annualized sum of all real estate
+taxes (not including special assessments).
+Additional information about tax year(s) or tax
+amount(s) may be provided elsewhere in the
+appraisal report.
diff --git a/chunks/txt/ac5e044c49b594ad7a3e76aa2f572555e48479dfe11ddc5c5bdda04820050062.txt b/chunks/txt/ac5e044c49b594ad7a3e76aa2f572555e48479dfe11ddc5c5bdda04820050062.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8fe744f69c07a2b6c4e05170ec292cb4afba1e3b
--- /dev/null
+++ b/chunks/txt/ac5e044c49b594ad7a3e76aa2f572555e48479dfe11ddc5c5bdda04820050062.txt
@@ -0,0 +1,98 @@
+▪ ROF as
+
+“$162,000”
+▪ The same data
+
+point is used for
+12.2 Loan amount
+but appears only
+once in the XML
+file
+
+4. 1. 2 CAN THI S AMOUNT I NCR EASE AFTER CLOSI NG?
+
+The next Loan Terms column indicates whether the loan amount can increase. Loan amount variability depends
+on the loan’s amortization type, whether the terms allow negative amortization and other features.
+
+a. NO--LOAN AMOUNT CANNOT I NCREASE
+
+If the loan amount cannot increase, “NO” is provided for 4.1.2 and 4.1.3 remains blank.
+
+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
+
+Appendix E: UCD Implementation Guide
+
+Page 61 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+4.0 Loan Terms
+
+Figure 32. Loan Amount Cannot Increase
+
+Table 45. Loan Amount Cannot Increase
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0
+Data Point
+
+MISMO v3.3.0
+Value
+
+Notes
+
+4.1.2
+
+4.1.2
+
+Can this amount
+increase…?
+
+…/LOAN/LOAN_D
+ETAIL
+
+LoanAmountIncr
+easeIndicator
+
+false
+
+Represented as
+“NO” on form
+
+NegativeAmortiz
+ationIndicator
+
+false
+
+b. YES--LOAN AMOUNT CAN OR WI LL I NCREASE
+
+If Loan Amount can or will increase after closing, the NegativeAmortizationIndicator value is “true.” The bulleted
+text in the rightmost column must provide increase potential, maximum amount and duration. Is the negative
+amortization potential (i.e., for a variable payment loan) or scheduled (i.e., for a graduated payment (step
+payment) loan? Samples of both scenarios are shown in the figures and tables below.
+
+4.0 Loan Terms
+
+Can this amount increase after closing?
+
+4.1 Loan Amount
+
+4.1.1 $162,000
diff --git a/chunks/txt/ac626d903c1836641a03fa5c93272f482d43aaadae9ab218371ed428f38436e4.txt b/chunks/txt/ac626d903c1836641a03fa5c93272f482d43aaadae9ab218371ed428f38436e4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a2f3b5576d9b7de07ba1615839a29b51fdf2b99a
--- /dev/null
+++ b/chunks/txt/ac626d903c1836641a03fa5c93272f482d43aaadae9ab218371ed428f38436e4.txt
@@ -0,0 +1,79 @@
+2024-02-17T09:30:47Z
+
+0.071 DataVersionIdentifier
+
+UCD2.0
+
+This is the only accepted file version.
+
+MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/PARTIES/PARTY/ROLES/ROLE/PARTY_ROLE_IDE
+NTIFIERS/PARTY_ROLE_IDENTIFIER
+
+0.052
+
+PartyRoleIdentifier
+
+000123
+
+0.055
+
+IdentifierOwnerURI
+
+www.freddiemac.com
+
+The GSE-assigned vendor or proprietary system
+identifier. Freddie Mac’s identifier is 6-digits and
+Fannie Mae’s is 9 characters.
+
+The values provided for this attribute do not refer
+to the location of the identifiers. The value is the
+website addresses for the identifier owner.
+
+MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/PARTIES/PARTY/ROLES/ROLE/ROLE_DETAIL
+
+0.053
+
+PartyRoleType
+
+LoanDeliveryFilePreparer
+
+MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/PARTIES/PARTY/ROLES/ROLE/PARTY_ROLE_IDE
+NTIFIERS/PARTY_ROLE_IDENTIFIER
+
+0.052
+
+PartyRoleIdentifier
+
+ABCD1234E
+
+The GSE-assigned vendor or proprietary system
+identifier. Freddie Mac’s identifier is 6-digits and
+Fannie Mae’s is 9 characters.
+
+UCD v2.0 Implementation Guide
+
+- 12 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+III. XML File Handling
+
+Table 4. UCD v2.0 Excerpt - XML File Identification Data Requirements.
+
+UCD UID MISMO v3.3 Data Point/Attribute UCD v2.0 Supported Enumeration
+
+Implementation Notes
+
+0.055
+
+IdentifierOwnerURI
+
+www.fanniemae.com
+
+The values provided for this attribute do not refer
+to the location of the identifiers. The value is the
+website addresses for the identifier owner.
+
+MESSAGE/DOCUMENT_SETS/DOCUMENT_SET/DOCUMENTS/DOCUMENT/DEAL_SETS/PARTIES/PARTY/ROLES/ROLE/ROLE_DETAIL
diff --git a/chunks/txt/ac63798063545566166c96b592c976880ef747fea84e61710a3bb2d47ac5b111.txt b/chunks/txt/ac63798063545566166c96b592c976880ef747fea84e61710a3bb2d47ac5b111.txt
new file mode 100644
index 0000000000000000000000000000000000000000..36d4336fad5586e234a31299c374b565637ba12e
--- /dev/null
+++ b/chunks/txt/ac63798063545566166c96b592c976880ef747fea84e61710a3bb2d47ac5b111.txt
@@ -0,0 +1,106 @@
+/VALUATION_RESPONSE/REPORT/@Appra
+iserFileIdentifier
+
+/VALUATION_RESPONSE/REPORT/@Appra
+iserAdditionalFileIdentifierName
+
+4a
+
+HEADER
+
+BLANK
+
+Appraiser Additional
+File Identifier
+
+Used to indicate by name the type of
+identifier represented by
+AppraisersAdditionalFileIdentifier.
+
+/VALUATION_RESPONSE/REPORT/@Appra
+iserAdditionalFileIdentifier
+
+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.
+
+/VALUATION_RESPONSE/REPORT/@Appra
+iserFileIdentifier
+
+/VALUATION_RESPONSE/REPORT/@Appra
+iserAdditionalFileIdentifierName
+
+50
+
+50
+
+50
+
+50
+
+50
+
+50
+
+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.
+
+String
+
+This field occurs on every page of the form and must be consistent. The
+placement of the header on the form varies from vendor to vendor.
+
+String
+
+String
+
+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/ac7061cdcf6f7f937fa06bdce95b8d3fecdc0e8876efbac889c76ead602cb4fa.txt b/chunks/txt/ac7061cdcf6f7f937fa06bdce95b8d3fecdc0e8876efbac889c76ead602cb4fa.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dedcdc088db884e7e8e305a80926e3ca13c6d6e1
--- /dev/null
+++ b/chunks/txt/ac7061cdcf6f7f937fa06bdce95b8d3fecdc0e8876efbac889c76ead602cb4fa.txt
@@ -0,0 +1,67 @@
+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.
+
+2.044
+
+VA Appraiser ID
+
+2.045
+
+FHA Appraiser ID
+
+2400.0431
+
+AgencyAppraiserIdentifierType
+
+Display “FHA Appraiser ID” when GovernmentAgencyAppraisalType "FHA"
+
+2400.0430
+
+AgencyAppraiserIdentifier
+
+Display “VA Appraiser ID” when GovernmentAgencyAppraisalType "VA":
+
+2.046
+
+Employment Type
+
+2400.0429
+
+AppraiserEmploymentType
+
+Display when (GovernmentAgencyAppraisalType (UID: 1000.0029 FID: 2.008) =
+"VA"
+
+Always displays report label when GovernmentAgencyAppraisalType = “VA”
+
+See Assignment – Arcrole Relationship section for an example, with an appraiser and a supervisory appraiser.
+
+Significant Real Property Appraisal Assistance
+
+The Significant Real Property Appraisal Assistance subsection displays when there are one or more contacts with PartyRoleType (UID:
+2400.0412, FID: Not on report) = “SignificantRealPropertyAppraisalAssistance”.
+
+•
+•
+
+If there are multiple contacts who provided significant real property appraisal assistance, the subsection repeats for each one.
+If there are no contacts who provided significant real property appraisal assistance, the subsection does not display.
+
+Notes:
+
+• To easily find data points in the UAD Specification, search for “Significant Real Property Appraisal Assistance” under the “Additional
+
+Context” column.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+• Significant Real Property Appraisal Assistance also drives the display of the following in the Certifications and Scope of Work
diff --git a/chunks/txt/ac7d090bcba561a2fa42fc01cd9dcd31a2b6d527bfb98a0bda1566fd35607d42.txt b/chunks/txt/ac7d090bcba561a2fa42fc01cd9dcd31a2b6d527bfb98a0bda1566fd35607d42.txt
new file mode 100644
index 0000000000000000000000000000000000000000..43af6270abf11204013637e770144a21f9273838
--- /dev/null
+++ b/chunks/txt/ac7d090bcba561a2fa42fc01cd9dcd31a2b6d527bfb98a0bda1566fd35607d42.txt
@@ -0,0 +1,9 @@
+The Federal Housing Finance Agency is committed to the detection and prevention of mortgage fraud in the secondary mortgage market. To further this commitment, FHFA has promulgated a fraud ​rule that requires Fannie Mae, Freddie Mac, and the Federal Home Loan Banks (regulated entities) to establish and maintain programs to detect and report fraud. The regulated entities are required to report suspicious activity, including fraud, to regulatory and law-enforcement authorities, including FHFA. FHFA also oversees the regulated entities’ managem​ent of risks associated with emerging cyber-enabled fraud schemes affecting the mortgage market and its participants.
+
+FHFA participates in working groups with fellow regulatory and law enforcement agencies to foster open communication and collaboration in prevention and prosecution of fraudulent activity involving mortgages and other financial instruments.
+
+Potential homebuyers, homeowners, distressed homeowners, and individuals employed in the mortgage industry, in particular, should be aware of mortgage fraud schemes perpetrated in connection with home loan origination and throughout the life of a mortgage. Education is key to identify, detect, and prevent mortgage fraud. The information below can assist mortgage market participants in recognizing common mortgage fraud schemes. In addition, FHFA has issued [fraud prevention tips and resources](/node/696) for mortgage borrowers and renters, and for individuals working in the mortgage industry.
+
+## Mortgage Fraud Detection and Avoidance
+
+Mortgage fraud takes two primary forms: Fraud for Profit and Fraud for Housing.
diff --git a/chunks/txt/ac80f55983881b9444e65604e94e11311c9f2577d191e168c6f532ccb59a8093.txt b/chunks/txt/ac80f55983881b9444e65604e94e11311c9f2577d191e168c6f532ccb59a8093.txt
new file mode 100644
index 0000000000000000000000000000000000000000..32f6e6ee666043a88001a5d12f5d2e3b269bbeee
--- /dev/null
+++ b/chunks/txt/ac80f55983881b9444e65604e94e11311c9f2577d191e168c6f532ccb59a8093.txt
@@ -0,0 +1,76 @@
+Reporting Format:
+Actual Age – Numeric to 3-digits, whole
+numbers only
+Estimation of Actual Age – A tilde (~) must
+precede the actual age
+
+Examples:
+18
+~150 (The PDF creator will insert the tilde.)
+
+Page 48 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
+
+Condition
+The appraiser must select the overall
+condition rating for the subject property and
+each comparable property from the below list.
+The overall condition rating for the subject
+property must match the overall condition
+rating that was reported in the Improvements
+section so that it is consistent throughout the
+appraisal report. Only one selection is
+permitted. The condition rating for the subject
+property must describe the physical condition
+of the property as-of the effective date of the
+appraisal and the physical condition of each
+comparable property as-of the date of sale for
+the comparable properties on an absolute
+basis, not on a relative basis or how the
+properties relate to other properties in the
+neighborhood.
+
+• C1
+
+• C2
+
+• C3
+
+• C4
+
+• C5
+
+• C6
+The definitions for these condition ratings are
+provided in Exhibit 1: Requirements –
+Condition and Quality Ratings Usage.
+
+Reporting Format:
+Condition Rating – Appraiser must select one
+value from the specified list
diff --git a/chunks/txt/ac81055f77bab539e64d211987876e9347de5cbc2e29edb0b144e1ce57fc02be.txt b/chunks/txt/ac81055f77bab539e64d211987876e9347de5cbc2e29edb0b144e1ce57fc02be.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a85ec1b9c840ec592b4783feed15d90f8fdfcab0
--- /dev/null
+++ b/chunks/txt/ac81055f77bab539e64d211987876e9347de5cbc2e29edb0b144e1ce57fc02be.txt
@@ -0,0 +1,58 @@
+•
+
+If applicable per the iGuide, an em-dash “—” can appear in a cell instead of other text
+
+• For the Subject Property column, information that is never applicable is grayed out using 10%
+
+black tint: “Data Source,” “Proximity to Subject,” “Sale Price,” “Sale Date,” “Gross Rent
+Multiplier,” “Comparable Weight”
+
+• Column heads: Column 1 – none, “Subject Property,” “Comparable #1,” “Comparable #2,”
+
+“Comparable #3” set as TCH
+
+•
+
+•
+
+If there are more than 3 comparables, after all the information is recorded for Comps 1-3, the
+leftmost column and the “Subject Property” column repeat below, followed by “Comparable
+#” repeating as necessary.
+
+“Property Address” sets first column, first row as TB; Photo = 7 picas high; addresses and
+photos of Subject and Comparables fill cells of the balance of the row
+
+GROSS RENT MULTIPLIER COMPARABLES TABLE
+
+• First column: “Data Source,” “Proximity to Subject,” “Units Excluding ADUs,” “Accessory
+
+Dwelling Units,” “Gross Building Finished Area,” “Rent Control,” “[Additional Row],” “Sale
+Price,” “Sale Date,” “Gross Monthly Rent,” “Gross Rent Multiplier,” “Comparable Weight” set
+as TB
+
+Appendix E: Report Style Guide
+
+Page 69 of 90
+
+Version 1.4
+
+Indicated Value by Income Approach (H1)
+
+Special subsection sets x 45 picas.
+
+•
+
+“Total Monthly Market Rent x Gross Rent Multiplier = Indicated Value by Income Approach”
+set as TXR-B x 45 picas
+
+• Content sets as TB x 45 picas
+
+Income Approach Commentary (H1)
+
+Set Commentary as TXC x 45 picas.
+
+Income Approach Exhibits (H1)
+
+Subsection does not display if there are no exhibits.
+
+“Cost Approach” sets as TAB.
diff --git a/chunks/txt/ac83760068166ebf6d13da2eec1c48ffab750b91b01e85aeadb223173f8fc733.txt b/chunks/txt/ac83760068166ebf6d13da2eec1c48ffab750b91b01e85aeadb223173f8fc733.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8c2cf4f4d41985deb346e88d51605b90a3ff2ab4
--- /dev/null
+++ b/chunks/txt/ac83760068166ebf6d13da2eec1c48ffab750b91b01e85aeadb223173f8fc733.txt
@@ -0,0 +1,61 @@
+ASSET_IsAssociatedWi
+th_LIABILITY
+ASSET_1
+LIABILITY_1
+
+Table 6. Relationships Container – Component Details
+
+The figure below (Figure 6) shows a basic example of how the xlink arcrole relationship linking an asset
+(owned property) to a borrower’s liability would look in the RELATIONSHIPS container.
+
+RELATIONSHIPS CONTAINER
+Showing the RELATIONSHIP Using The Endpoints
+
+RELATIONSHIPS
+ RELATIONSHIP
+ Sequence Number = “1”
+ xlink:from = “ASSET_1”
+ xlink:to = “LIABILTY_1”
+ xlink:arcrole = “ASSET _IsAssociatedWith_ LIABILITY”
+
+Figure 6. Using Endpoints and an Arcrole To Define a Relationship
+
+RELAT IONSHIP BET WEEN A RELAT ED LOAN AND T HE ASSOCIAT ED CREDIT OR
+
+The following example provides details about the xlink arcrole relationship needed to define a data
+relationship between a related loan and the associated creditor (NotePayTo) for that related loan.
+
+The figure below (Figure 7) shows examples of a related loan that will need to be linked to the associated
+creditor (NotePayTo) for that related loan. Note that the example below uses a legal entity as the creditor
+but the creditor can also be an individual.
+
+Data Relationships Using Xlink and MISMO Arcroles
+
+Page 20 of 29
+
+Version 1.1
+
+___________ _ __ Uniform Loan Application Dataset (ULAD) Xlink Arcroles
+
+LOAN And ROLE Containers Identifying Endpoints Of
+Relationships
+
+LOANS
+ LOAN LoanRoleType=”RelatedLoan”
+
+Sequence Number = “2”
+
+xlink:label = “RELATED_LOAN_2”
+ PAYMENT
+ PAYMENT_RULE
+ Initial Principal And Interest Payment Amount = 100
+ TERMS_OF_LOAN
+ Note Amount = 10000
+
+PARTIES
+ PARTY
+
+LEGAL ENTITY
+
+LEGAL ENTITY DETAIL
+ Full Name
diff --git a/chunks/txt/ac92b5b3aaad6a180457666028eb0e7fd5b52eb3bf3cde5d8dafe9de37d63355.txt b/chunks/txt/ac92b5b3aaad6a180457666028eb0e7fd5b52eb3bf3cde5d8dafe9de37d63355.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b7c7e3d67083b6438cb16f423b4a9756dede7643
--- /dev/null
+++ b/chunks/txt/ac92b5b3aaad6a180457666028eb0e7fd5b52eb3bf3cde5d8dafe9de37d63355.txt
@@ -0,0 +1,103 @@
+Additional Properties Analyzed Not Used
+
+#
+1
+
+Property Address
+442 Jolly Ave
+Anytown, MD 09992
+
+Sale Date
+01/19/2024
+
+Status
+Settled Sale
+
+Reason Not Used
+Sale or Transfer Type
+
+Comment
+Private sale
+
+Appraisal Version #2Fannie Mae | Freddie Mac September 2024Appraiser Reference ID 4321123HClient Reference ID 231495234KSingle Family Scenario 5 (SF5)
+
+Uniform Residential Appraisal Report
+
+Page 14 of 19
+Page 14 of 19
+
+Sales Comparison Approach (continued)
+
+PG BRK
+
+Sales Comparison Map
+
+This is where the Map of Sales Comparables 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 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
+
+Sales Comparison Approach
+$350,000
+
+Income Approach
+
+Cost Approach
+
+Not Necessary for Credible Results
+
+Not Necessary for Credible Results
+
+Appraisal Summary
+
+Opinion of Market Value
+Market Value Condition
+
+$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.
diff --git a/chunks/txt/ac9724755180d0d2c796eb4f1456c201ffb57dbb49ac863255dcaf219f40b4cb.txt b/chunks/txt/ac9724755180d0d2c796eb4f1456c201ffb57dbb49ac863255dcaf219f40b4cb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..140536fff037c405e1eb341912615b8848badd45
--- /dev/null
+++ b/chunks/txt/ac9724755180d0d2c796eb4f1456c201ffb57dbb49ac863255dcaf219f40b4cb.txt
@@ -0,0 +1,90 @@
+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
+
+PrepayP
+
+Prepayment Penalty Expiration Date
+
+45
+
+Borrower1EthnicityType
+
+BoEth
+
+Borrower1 Ethnicity Type
+
+46
+
+Borrower1Race2Type
+
+Race2
+
+Borrower1 Race2 Type
+
+employed. 0=No, 1=Yes
+PT01=Single family detached; PT02=Deminimus PUD;
+PT03=Single family attached; PT04=Two family;
+PT05=Townhouse; PT06=Low-rise condo; PT07=PUD;
+PT08=Duplex; PT09=Three family; PT10=Four family;
+PT11=Hi-res condo; PT12=Manufactured home not
+chattel; PT13=Manufactured home chattel; PT14=Five
+plus multifamily
diff --git a/chunks/txt/ac9cc3ddc7583e518253183ab129b63a5b5fc988d332f1995ac8a834165e0c48.txt b/chunks/txt/ac9cc3ddc7583e518253183ab129b63a5b5fc988d332f1995ac8a834165e0c48.txt
new file mode 100644
index 0000000000000000000000000000000000000000..eef8d66d523e2f5fa2c305a4da9bbbd5fedfbe43
--- /dev/null
+++ b/chunks/txt/ac9cc3ddc7583e518253183ab129b63a5b5fc988d332f1995ac8a834165e0c48.txt
@@ -0,0 +1,80 @@
+• 8-point Myriad Pro Bold “Completion Version #,”one line space below to 50% black “Fannie
+
+Mae | Freddie Mac,” “March 2023”.
+
+(FTR-R) Right side:
+
+• 8-point Myriad Pro bold with Myriad Pro Regular. Identifiers set stacked, aligned right, 1 em
+space to identifiers, set in 8 point regular, align left, longest identifier aligns right on rule
+above. Baseline of last line sits on bottom margin of .5".
+
+FTR
+
+Appendix E: Report Style Guide
+
+Page 85 of 90
+
+Version 1.4
+
+“Subject Property” sets as TAB.
+
+Left-hand side of page
+
+•
+
+“Physical Address,” “County” set as TXR-B, TXR
+
+Right-hand side of page
+
+• Photo of Subject Property
+
+Legal Description (H1)
+
+• Either an image or text
+
+•
+
+•
+
+Image sizes to full page width (45 picas wide)
+
+If text, set as TXC (Myriad Pro Regular), below the H1 x 45 picas.
+
+“Original Appraisal” sets as TAB.
+
+Left-hand side of page
+
+•
+
+“Effective Date of Appraisal,” “Opinion of Market Value,” “Market Value Condition” set as
+TXR-B, TXR.
+
+Right-hand side of page
+
+•
+
+“Appraiser” sets as TXR-B, TXR
+
+o “Reference ID” sets as TXR-I, TXR
+
+•
+
+“Original Lender” sets as TXR-B, TXR
+
+Full page width
+
+• “Final Value Condition Statement” set as TXC-B (bold lead in to Myriad Pro Regular text) X 45
+
+picas
+
+“Itemized List of Repairs” sets as TAB.
+
+Itemized List of Repairs table
+
+• Column heads are: “Feature,” “Location,” “Description,” “Affects Soundness or Structural
+Integrity,” “Repair Completed,” “Inspection Date,” “Completion Comment” set as TCH in 7
+column table x 45 picas.
+
+• 7 equal columns: 6.5 picas wide (~25 characters max per line in each cell).
+
+• Content sets as TB
diff --git a/chunks/txt/aca5ac39ecbc10ac00febdf7cca7ea61930d9bda0b803dc40e3fbf324ba1cbb9.txt b/chunks/txt/aca5ac39ecbc10ac00febdf7cca7ea61930d9bda0b803dc40e3fbf324ba1cbb9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9aab1c188d679663c524316f9ca1f53f3a53f1ae
--- /dev/null
+++ b/chunks/txt/aca5ac39ecbc10ac00febdf7cca7ea61930d9bda0b803dc40e3fbf324ba1cbb9.txt
@@ -0,0 +1,29 @@
+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 25 of 26
+Page 25 of 26
+
+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/acba1abd8c6303e4a53d0e2b0a0fb5d6957cc8914f54a88a91610bd435cc313c.txt b/chunks/txt/acba1abd8c6303e4a53d0e2b0a0fb5d6957cc8914f54a88a91610bd435cc313c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9ff9762899aecffba183a9f0486a7d473b967247
--- /dev/null
+++ b/chunks/txt/acba1abd8c6303e4a53d0e2b0a0fb5d6957cc8914f54a88a91610bd435cc313c.txt
@@ -0,0 +1,153 @@
+Commentary on Effective Age
+
+Quality and Condition
+
+Exterior Quality Rating
+
+TXR-B
+
+Exterior Condition Rating
+
+The table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report
+
+Detail
+
+Quality Comment
+
+Condition Status
+
+Condition Comment
+
+H2
+
+TCH
+TB
+
+Exterior Features
+
+Feature
+Exterior Walls and Trim
+
+Foundation
+
+Roof
+
+Windows
+
+TB
+
+H1
+
+Noncontinuous Finished Area
+
+TXC-I
+
+The table below depicts any finished area that is attached to the dwelling but separate and not directly accessible from any unit
+
+TCH
+TB
+
+Finish
+Finished
+
+Total Area
+
+Room Summary
+
+Check #A
+
+H1
+
+TCH
+TB
+TB
+
+Mechanical System Details
+
+System
+
+Detail
+
+Heating
+
+Cooling
+
+CK1
+
+Core Heating System Below Grade
+
+TXR-B
+
+Other Mechanical Systems
+
+Y/N
+
+Yes No
+ 
+
+H1
+
+Apparent Defects, Damages, Deficiencies (Dwelling Exterior - [Structure Identifier])
+
+TXC-I
+
+The items listed below represent the As Is condition as of the effective date of this report
+
+Feature
+
+Location
+
+Description
+
+Affects Soundness or
+Structural Integrity
+
+Recommended
+Action
+
+Dwelling Exterior Commentary
+
+Dwelling Exterior Exhibits
+
+TCH
+TB
+
+H1
+TXC
+
+H1
+
+FTR-L
+
+FTR-R
+
+Appraiser Reference ID Agency Case File ID Client Reference ID AMC Reference ID Uniform Residential Appraisal Report Page [Page] of [Pages]Appraisal Version #Fannie Mae | Freddie Mac September 2024
+
+HDR-L
+
+TAB
+
+Manufactured Home
+
+TXR-B
+
+TXR-B
+
+Manufacturer Name
+Year Installed
+Moved Since Original Installation
+
+2 COLUMN PAGE FORMAT
+
+HDR-R
+
+TXR-B
+
+TXR-B
+
+Attached to Permanent
+Foundation
+Towing Hitch, Wheels, Axles
+Removed
+Manufactured Home Width
+Skirting
diff --git a/chunks/txt/acbb3cf6007fdd03c60e58fa03b37ecfdd4305963f0210e8f9a1d363941b408d.txt b/chunks/txt/acbb3cf6007fdd03c60e58fa03b37ecfdd4305963f0210e8f9a1d363941b408d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..bb380c7c89fa04aeff125335c2734e1290170798
--- /dev/null
+++ b/chunks/txt/acbb3cf6007fdd03c60e58fa03b37ecfdd4305963f0210e8f9a1d363941b408d.txt
@@ -0,0 +1,34 @@
+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 465H April 2022
+
+Page 6 of 6
+
+Fannie Mae Form1073 Hybrid April 2022
diff --git a/chunks/txt/acc444cd4eea913cbe518db02d622d9a12a77ca5172e3c6176059475f6155a07.txt b/chunks/txt/acc444cd4eea913cbe518db02d622d9a12a77ca5172e3c6176059475f6155a07.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c58b84de828539e6cf255f14d087ad81add993a9
--- /dev/null
+++ b/chunks/txt/acc444cd4eea913cbe518db02d622d9a12a77ca5172e3c6176059475f6155a07.txt
@@ -0,0 +1,27 @@
+Elijah Sadr is the Acting Section 508 Coordinator. If you would like to file a Section 508-related complaint, please email [Section508@fhfa.gov](mailto:Section508@fhfa.gov) or call the Section 508 Hotline at 202-649-3813 (TTY # 711). *You may file an ABA complaint online through the US Access Board’s online*[*ABA complaint form*](https://access-board.my.site.com/s/)*. If you have questions or concerns, you can reach out to the Access Board at*[*enforce@access-board.gov*](mailto:enforce@access-board.gov)*(preferred) or call 202-272-0050 (voice) or 202-272-0066 (TTY).*
+
+## Exit Disclaimer
+
+FHFA provides links to other websites to assist in locating information. The fact that there is a link between this website and another does not constitute a product or program endorsement by FHFA or any of its employees. FHFA is not responsible for content or format of the websites found at these links, or beyond, and does not attest to the accuracy or propriety of any information located there.
+
+​*Last Updated: July 24, 2025*
+
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
diff --git a/chunks/txt/acc489227fb067090527f53e29897269357f030d9d98f03c8436e40237d024f9.txt b/chunks/txt/acc489227fb067090527f53e29897269357f030d9d98f03c8436e40237d024f9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..485f39f54715339d83f3d2a30455743a30b4229b
--- /dev/null
+++ b/chunks/txt/acc489227fb067090527f53e29897269357f030d9d98f03c8436e40237d024f9.txt
@@ -0,0 +1,105 @@
+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.
+
+Condition Status
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+Condition Comment
+No damage or condition
+issues noted.
+
+No damage or condition
+issues noted.
+
+No damage or condition
+issues noted.
+
+Apparent Defects, Damages, Deficiencies (Unit Interior - ADU)
+
+None
+
+Unit Interior Commentary
+
+The ADU was built-out within the past 5 -10 years with standard builder grade materials that are typical for accessory units in this market. The
+unit has been well maintained with no apparent defects, damages or deficiencies.
+
+Unit Interior Exhibits
+
+Level B1 - Bath - Full
+
+Level B1 - Bedroom
+
+This is where the ADU Full Bathroom photo would display.
+
+This is where the ADU Bedroom photo would display.
+
+Level B1 - Kitchen
+
+This is where the ADU Kitchen photo would display.
+
+Functional Obsolescence
+
+Functional Issues
+
+None
+
+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 11 of 22
+Page 11 of 22
+
+Vehicle Storage
+
+Storage
+Carport
+
+Driveway
+
+Garage
+
+Number of Parking Spaces
+2
+
+4
+
+2
+
+Detail
+Detached
+400 Sq. Ft.
+
+Asphalt
+
+Attached
+528 Sq. Ft.
+
+Apparent Defects, Damages, Deficiencies (Vehicle Storage)
+
+None
+
+Vehicle Storage Exhibits
+
+Carport
+
+Driveway - Garage
diff --git a/chunks/txt/acc9f92b8396f9690b76f2a0bcb75b3c9ddeca21bafabbb443600d296ad06ef8.txt b/chunks/txt/acc9f92b8396f9690b76f2a0bcb75b3c9ddeca21bafabbb443600d296ad06ef8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fc979b084ae0de1a8d4b1d7de69ae68700fb7bc9
--- /dev/null
+++ b/chunks/txt/acc9f92b8396f9690b76f2a0bcb75b3c9ddeca21bafabbb443600d296ad06ef8.txt
@@ -0,0 +1,115 @@
+Form FNM 2055 FRE 2055
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 178 of 211
+
+Document Version 1.4
+
+Sort
+ID
+
+Form
+Page
+
+Form
+Reference
+Number
+
+Form
+Section
+
+108
+
+1
+
+102
+
+SITE
+
+103
+
+SITE
+
+Form Field Label
+
+Data Point Name
+
+Data Point Definition
+
+XPath
+
+Utilities
+Gas
+Public
+
+Utilities
+Gas
+Other
+
+Site Utility Public
+Indicator
+
+Indicates whether the utility specified by
+Site Utility Type is a public utility.
+
+/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='
+Gas']/@_PublicIndicator
+
+Site Utility Non
+Public Indicator
+
+Indicates whether the utility specified by
+Site Utility Type is a non-public utility.
+
+/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='
+Gas']/@_NonPublicIndicator
+
+Data Point
+Field
+Length
+
+1
+
+1
+
+UAD Requirement - Refer to Appendix D Site Section
+A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that
+the box has not been checked.
+
+Boolean
+
+If no gas service is present, indicate 'None' in the description field.
+
+UAD Requirement - Refer to Appendix D Site Section
+A value of 'Y' indicates that the box has been checked, a value of 'N' indicates that
+the box has not been checked.
+
+Boolean
+
+104
+
+SITE
+
+Utilities
+Gas
+Other (describe)
+
+Site Utility Non
+Public Description
+
+A free-form text field used to describe the
+ownership of the utility specified by Site
+Utility Type if it is a non-public utility.
+
+/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='
+Gas']/@_NonPublicDescription
+
+25
+
+String
+
+If no gas service is present, indicate 'None' in the description field.
+
+UAD Requirement - Refer to Appendix D Site Section
+This field must indicate the source of gas service if present and not public.
+If no gas service is present, enter 'None' in the description field.
diff --git a/chunks/txt/accce612afe8e2719eceeb2249ce02de0433225841f90a8c66b215d261ed33d5.txt b/chunks/txt/accce612afe8e2719eceeb2249ce02de0433225841f90a8c66b215d261ed33d5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..457a7adc8254395e2e69624aca3c26be9b9eacff
--- /dev/null
+++ b/chunks/txt/accce612afe8e2719eceeb2249ce02de0433225841f90a8c66b215d261ed33d5.txt
@@ -0,0 +1,254 @@
+Location of ADU
+
+Quality
+
+Condition
+
+Dwelling
+
+Dwelling
+
+Dwelling
+
+ADU/Garage
+
+Q4
+
+C4
+
+Q4
+
+C3
+
+Q4
+
+C4
+
+Q4
+
+C4
+
+Overall Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Quality
+
+Condition
+
+Property Amenities
+
+Outdoor Living
+
+Q4
+
+C4
+
+Q4
+
+C3 $(45,000)
+
+Q4
+
+C4
+
+Q4
+
+C4
+
+Deck | Deck | Patio | Porch
+
+Deck | Patio
+| Porch
+
+$5,000
+
+Deck | Deck |
+Patio | Porch
+
+Deck | Patio
+
+$10,000
+
+Water Features
+
+Inground Pool - Diving Board
+
+— $20,000
+
+Inground Pool
+
+$0
+
+Inground Pool -
+Diving Board
+
+Vehicle Storage
+
+Type | Spaces | Detail
+
+Carport | 2 | Detached
+400 Sq. Ft.
+Driveway | 4 | Asphalt
+Garage | 2 | Attached
+528 Sq. Ft.
+
+$10,000
+
+$10,000
+
+$10,000
+
+Driveway | 6 | Asphalt
+Garage | 2 | Attached
+
+Driveway | 6 | Asphalt
+Garage | 2 | Detached
+
+Driveway | 4 | Asphalt
+Garage | 2 | Detached
+
+Outbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts)
+
+Outbuilding Type
+
+Unfinished Area
+
+Heating
+
+Utilities
+
+Outbuilding Type
+
+Finished Area
+
+Utilities
+
+Summary
+
+List Price
+
+Contract Price
+
+Sale Price
+
+Net Adjustment Total
+
+Price Per Finished
+Area Above Grade
+
+Adjusted Price
+
+Comparable Weight
+
+—
+
+—
+
+—
+
+—
+
+—
+
+—
+
+—
+
+$799,900
+
+$765,000
+
+—
+
+—
+
+—
+
+—
+
+—
+
+—
+
+—
+
+$839,999
+
+—
+
+$810,000
+
+$(56,240)
+
+$217
+
+$753,760
+
+Less
+
+Studio $(16,000)
+
+—
+
+400 Sq. Ft.
+
+Yes
+
+Electricity
+
+—
+
+—
+
+—
+
+Pool House
+
+$(5,000)
+
+Pool House
+
+$(5,000)
+
+192 Sq. Ft.
+
+Electricity
+
+$839,900
+
+—
+
+$820,000
+
+$(45,180)
+
+$230
+
+$774,820
+
+Most
+
+216 Sq. Ft.
+
+Electricity
+
+$789,000
+
+—
+
+$770,000
+
+$7,020
+
+$198
+
+$777,020
+
+Most
+
+Indicated Value by Sales Comparison Approach
+
+Indicated Value
+
+$775,000
+
+Reconciliation of Sales Comparison Approach
diff --git a/chunks/txt/acd484a2d2bff99bc3327ecf87daab0f4e10ee03349754533a6dee904803afbd.txt b/chunks/txt/acd484a2d2bff99bc3327ecf87daab0f4e10ee03349754533a6dee904803afbd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..19412a54b2e045068045306176c84cf384b44428
--- /dev/null
+++ b/chunks/txt/acd484a2d2bff99bc3327ecf87daab0f4e10ee03349754533a6dee904803afbd.txt
@@ -0,0 +1,144 @@
+Was a Property Data Report used in lieu of an
+Inspection?
+
+Appraiser Fee
+
+$0
+
+Yes No
+ 
+
+Credentials
+
+Level
+ID
+State
+Expires
+
+Certified General
+294210393
+DC
+02/28/2020
+
+Assignment Reason
+Borrower Name
+
+Seller Name
+
+Purchase
+John Jones
+Mary Jones
+Harry Smith
+Bill Smith
+
+Current Owner of Public Record Harry Smith
+
+Bill Smith
+
+Contact Information
+
+Client/Lender
+
+Company Name
+Company Address
+
+Appraiser
+
+Name
+Company Name
+Company Address
+
+Your Bank
+258 Boat St
+Nowhere, MD 21211
+
+Annie Appraiser
+XYZ Appraisers
+238 Sand St, SW
+Washington, DC 20210
+
+Scope of Inspection by Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date
+
+Physical
+Physical
+08/28/2019
+
+Assignment Information and Scope of Work Commentary
+
+Additional commentary can be added here, if needed by Appraiser.
+
+Subject Property
+
+Physical Address
+
+County
+Neighborhood Name
+
+700 1st Ave, NW
+Unit 1206
+Washington, DC 20001
+District of Columbia
+Three Tree Hill
+
+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
+ 
+ 
+ 
+ 
+ 
+ 
+ 
+
+ 
+
+Legal Description
+
+Lot: 1206. Block: 00012
+
+Subject Property Commentary
+
+Additional commentary can be added here, if needed by Appraiser.
+
+Site
+
+Zoning
+
+Compliance
+Classification Code
+Classification Code Description
+
+Legal
+MU-2
+Residential - Cooperative -
+Vertical
+
+Property Access
+Primary Access
+Street Type and Surface
+Typical for Market
diff --git a/chunks/txt/acd595e22a0711aa0c403ca7177447670e98ac9f53796b1de089798195dddb59.txt b/chunks/txt/acd595e22a0711aa0c403ca7177447670e98ac9f53796b1de089798195dddb59.txt
new file mode 100644
index 0000000000000000000000000000000000000000..00969ea6fca7f6adeeff610695e60226a5521979
--- /dev/null
+++ b/chunks/txt/acd595e22a0711aa0c403ca7177447670e98ac9f53796b1de089798195dddb59.txt
@@ -0,0 +1,57 @@
+Appendix 3: ANSI Examples
+
+ANSI Example 3: Below Grade Area with Interior Access from Common Area
+
+These examples show a 2-unit property in one dwelling. There is below grade area with interior access from a common area, and no direct access
+from any unit. Both units are on the first level.
+
+Example 3A: Unfinished Below Grade Area
+
+Example 3B: Finished Below Grade Area
+
+Appendix F-1: URAR Reference Guide
+
+Page 359 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Appendix 3: ANSI Examples
+
+Unit Interior
+
+Unit A includes the unfinished below grade area.
+
+Example 3A: Unfinished Below Grade Area
+
+Example 3B: Finished Below Grade Area
+The finished area below grade area is not included in Unit Interior for either unit, as it is only reported
+in Gross Building Finished Area.
+
+Unit B does not include any unfinished below grade area.
+
+The finished area below grade area is not included in Unit Interior for either unit, as it is only reported
+in Gross Building Finished Area.
+
+Appendix F-1: URAR Reference Guide
+
+Page 360 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Appendix 3: ANSI Examples
+
+Sales Comparison Approach
+
+In this example, Comparable # 1 is a model match, to demonstrate how the square footages and Summary calculations (Adjusted Price Per Unit,
+Adjusted Price Per Bedroom, and Price Per Gross Building Finished Area) would display in the sales grid.
+
+Example 3A: Unfinished Below Grade Area
+
+Example 3B: Finished Below Grade Area
+
+In the Dwelling(s) subsection, Gross Building Finished Area includes the area of each unit (858
+sq. ft.), and the common stairwells including the area under the stairs (386 sq. ft.).
diff --git a/chunks/txt/acd85937f6ebaa97f499e66025b3675e801217e2b12e22ab1703e56f8962c736.txt b/chunks/txt/acd85937f6ebaa97f499e66025b3675e801217e2b12e22ab1703e56f8962c736.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b42ca9c63dc65f872c065c8cfabb7554af46a0f0
--- /dev/null
+++ b/chunks/txt/acd85937f6ebaa97f499e66025b3675e801217e2b12e22ab1703e56f8962c736.txt
@@ -0,0 +1,84 @@
+24.022 24.023 24.024
+
+Income Approach Commentary
+
+24.025
+Income Approach Exhibits
+
+Comparable #
+
+24.008
+
+Comparable #
+
+24.009.1 | 24.009.2
+
+Comparable #
+
+24.026.1 | 24.026.2
+
+24.027.1 | 24.027.2
+
+Appraisal Version #
+
+Fannie Mae | Freddie Mac
+September 2024
+
+HF.002
+
+HF.003
+HF.004
+
+Appraiser Reference ID
+Agency Case File ID
+Client Reference ID
+AMC Reference ID
+
+HF.005
+HF.006
+HF.007
+HF.008
+
+Uniform Residential Appraisal Report
+
+(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:20)
+
+Page [Page] of [Pages]
+
+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
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:19)(cid:19)
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:19)(cid:20)
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:19)(cid:21)
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:19)(cid:22)
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:19)
+
+(cid:23)
+
+Depreciated Cost - Dwelling - [Structure Identifier]
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:19)(cid:24)
+
+(cid:21)(cid:24)(cid:17)(cid:19)(cid:19)(cid:25)
+
+Physical Depreciation
+
+Functional Depreciation
+
+External Depreciation
+
+Total Depreciation
+
+Manufactured Home Delivery,
+Installation, and Set Up
diff --git a/chunks/txt/acdb5be572744ddfdfbe7660e07e4c70252cad1e497ae86bcf03cdb63d77255a.txt b/chunks/txt/acdb5be572744ddfdfbe7660e07e4c70252cad1e497ae86bcf03cdb63d77255a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a960caee312d8dc0a751acdd8fb87091231bf337
--- /dev/null
+++ b/chunks/txt/acdb5be572744ddfdfbe7660e07e4c70252cad1e497ae86bcf03cdb63d77255a.txt
@@ -0,0 +1,97 @@
+•
+
+•
+
+Noncontinuous Finished Area
+
+Noncontinuous finished areas are defined as above grade finished area(s), not designated as an accessory dwelling unit
+(ADU), and attached to the dwelling with no direct interior access.
+
+Example: Family room or other finished area attached to or above an attached garage that is only accessible through the
+garage.
+
+Note: If there are multiple noncontinuous areas in the dwelling, combine them into one entry.
+
+This subsection does not display for properties with more than one unit, or if there is no noncontinuous finished area.
+
+Report
+Field ID
+
+Not on
+Report
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Dwelling Exterior: Noncontinuous Finished Area Exists
+
+Required if Units
+Excluding ADUs is 1
+
+Yes | No
+
+This is an
+appraiser input
+that does not
+display
+
+Noncontinuous Finished Area Exists: Indicates whether there is noncontinuous
+finished area in the dwelling.
+Notes:
+•
+
+If No, the Noncontinuous Finished Area subsection does not display.
+
+Appendix F-1: URAR Reference Guide
+
+Page 109 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+08 Dwelling Exterior
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+8.046
+
+N/A
+
+8.047
+
+Finish (Finished)
+Total Area
+
+Displays when
+Noncontinuous
+Finished Area Exists is
+Yes
+
+Required if
+Noncontinuous
+Finished Area Exists is
+Yes
+
+Dwelling Exterior: Noncontinuous Finished Area
+
+Allowable
+Answers / Format
+
+N/A
+
+Definition / Additional Guidance
+
+The table below depicts any finished area that is attached to the dwelling but
+separate and not directly accessible from any unit
diff --git a/chunks/txt/ace12fdc17426ef75507ac393278906e3e2709a1198b6955a0d592a02dbe002c.txt b/chunks/txt/ace12fdc17426ef75507ac393278906e3e2709a1198b6955a0d592a02dbe002c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a9c46f25530ee5c5bfe3832764a6d02bd2fc6618
--- /dev/null
+++ b/chunks/txt/ace12fdc17426ef75507ac393278906e3e2709a1198b6955a0d592a02dbe002c.txt
@@ -0,0 +1,15 @@
+- ### History Of Fannie Mae And Freddie Mac Conservatorships
+
+On September 6, 2008, with the consent of both Fannie Mae's and Freddie Mac's (the Enterprises) boards of directors, the Director of FHFA exercised statutory authority to place each Enterprise into conservatorship. This established the two conservatorships in response to a substantial deterioration in the housing markets that severely damaged each Enterprise's financial condition and left both of them unable to fulfill their missions without government intervention.
+
+[Learn More](/history-fannie-mae-and-freddie-mac-conservatorships)
+
+- ### Senior Preferred Stock Purchase Agreements
+
+Fannie Mae and Freddie Mac continue to operate under conservatorship, as they have since 2008. The U.S. Department of the Treasury (Treasury) provides Fannie Mae and Freddie Mac with financial support through the Senior Preferred Stock Purchase Agreements (SPSPAs), which were executed on September 7, 2008, one day after Fannie Mae and Freddie Mac entered conservatorships (“Original Agreements”) and thereafter amended. ​
+
+[Learn More](/conservatorship/senior-preferred-stock-purchase-agreements)
+
+- ### Building for the Future
+
+Our goal is to energize the rebuilding of the secondary mortgage market so that market participants may again compete with each other to ensure an efficient flow of credit for housing, confident in the knowledge of the risk involved and the rules in place. Making progress on essential infrastructure development, improving standardization, and generating meaningful discussion about rebuilding our housing finance infrastructure should help policymakers tackle critical questions about the government’s role in housing finance.
diff --git a/chunks/txt/acf5744b1a4aa93898f4ba188b5e42088885105feb16a153901c977c79b8c145.txt b/chunks/txt/acf5744b1a4aa93898f4ba188b5e42088885105feb16a153901c977c79b8c145.txt
new file mode 100644
index 0000000000000000000000000000000000000000..259a837208f25d381bdd4fc5a66362741dffa810
--- /dev/null
+++ b/chunks/txt/acf5744b1a4aa93898f4ba188b5e42088885105feb16a153901c977c79b8c145.txt
@@ -0,0 +1,104 @@
+/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
+
+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='Age']/@_Description
+
+SALES
+COMPARISON
+APPROACH
+
+Actual Age 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='Age']/@_Amount
+
+423
+
+3
+
+85
+
+SALES
+COMPARISON
+APPROACH
+
+Condition
+
+GSE Overall
+Condition Type
+
+The overall condition rating of the
+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/@GSEOverallConditionType
+
+424
+
+425
+
+426
+
+427
+
+428
+
+429
+
+3
+
+3
+
+3
+
+3
+
+3
+
+3
+
+86
+
+87
+
+88
+
+89
+
+90
+
+91
+
+SALES
+COMPARISON
+APPROACH
+
+Condition Adjustment
diff --git a/chunks/txt/ad020cbdeeb221fba325093e649f91822968fe140ccee84dd998e69048c5f109.txt b/chunks/txt/ad020cbdeeb221fba325093e649f91822968fe140ccee84dd998e69048c5f109.txt
new file mode 100644
index 0000000000000000000000000000000000000000..85d29dc7c5c7778d64c32d7eb5157d26a08974ef
--- /dev/null
+++ b/chunks/txt/ad020cbdeeb221fba325093e649f91822968fe140ccee84dd998e69048c5f109.txt
@@ -0,0 +1,9 @@
+On December 9, 2025, FHFA [an​nounced](/news/news-release/federal-housing-finance-agency-announces-deemed-issuance-ratio-for-2026) ​the deemed-issuance ratio for the 2026 calendar year.
+
+IRS [***Revenue Procedure 2018-54***](https://www.irs.gov/pub/irs-drop/rp-18-54.pdf) provides that the ratio may be rounded as long as the rounded ratio is further from 50/50 than the actual observed data. Therefore, the deemed-issuance ratio for the 2026 calendar year is 52 percent Freddie Mac and 48 percent Fannie Mae.
+
+FHFA announces this ratio annually at least three weeks prior to the affected calendar year and will update this table accordingly.
+
+**Year** Enterprise TBA-eligible securities issued during 24 months ending on October 31 of previous calendar year (billions) Deemed-Issuance Ratio (percent) 2026 ​Fannie Mae​ $633.081 48 2026 ​Freddie Mac​ $682.513 52 ​2025 ​Fannie Mae​ $626.616 51 ​2025 ​Freddie Mac​ $614.837 ​49 ​2024 ​Fannie Mae​ ​​$1,065.854 53 ​2024 ​Freddie Mac​ $957.202​ ​47 ​2023 ​Fannie Mae​ ​​$2,171.306 53 ​2023 ​Freddie Mac​ ​$1,939.425​ ​47 ​2022 ​Fannie Mae​ ​​$2,562.654 56​ ​2022 ​Freddie Mac​ ​$2,134.823​ ​44 ​2021 ​Fannie Mae ​$1,637.579 ​60 ​2021 ​Freddie Mac ​$1,232.936 ​40 ​2020 ​Fannie Mae ​$947.251 ​60 ​2020 ​Freddie Mac ​​$686.309 ​40 2019 Fannie Mae $940.344 60 2019 Freddie Mac $650.411 40
+
+Sign up for email updates
diff --git a/chunks/txt/ad09102c3aceb5bf15aabbdf94d4f82535fec12811db93654012afce8c7e2c99.txt b/chunks/txt/ad09102c3aceb5bf15aabbdf94d4f82535fec12811db93654012afce8c7e2c99.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b62baf1218d1470f8b8822a927b091a7470a126b
--- /dev/null
+++ b/chunks/txt/ad09102c3aceb5bf15aabbdf94d4f82535fec12811db93654012afce8c7e2c99.txt
@@ -0,0 +1,20 @@
+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.
+
+*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/ad148991adc1cf5290de512cc860e7e362e171e83755b315136c67f008d8aaf1.txt b/chunks/txt/ad148991adc1cf5290de512cc860e7e362e171e83755b315136c67f008d8aaf1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b5424fb7fe306e061aa953b94694bbcdddf859c6
--- /dev/null
+++ b/chunks/txt/ad148991adc1cf5290de512cc860e7e362e171e83755b315136c67f008d8aaf1.txt
@@ -0,0 +1,113 @@
+If field 1-49 is indicated, and e-4 has a value of
+'N', then this field is required.
+
+e-4
+
+CONTRACT
+
+If Yes, report the total dollar
+amount and describe the items to
+be paid.
+
+GSE Undefined
+Concession Amount
+Indicator
+
+Indicates whether there is a known sales
+or financing concessions with an
+unknown dollar amount.
+
+/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/SALES_
+CONCESSION_EXTENSION/SALES_CONCESSION_EXTENSION_SE
+CTION[@ExtensionSectionOrganizationName='UNIFORM APPRAISAL
+DATASET']/SALES_CONCESSION_EXTENSION_SECTION_DATA/S
+ALES_CONCESSION/@GSEUndefinedConcessionAmountIndicator
+
+1
+
+Boolean
+
+This field is required if field 1-49 is indicated.
+
+CR
+
+UAD Requirement - Refer to Appendix D Contract Section
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+UAD Requirement - Refer to Appendix D Contract Section
+
+51b
+
+CONTRACT
+
+If Yes, report the total dollar
+amount and describe the items to
+be paid.
+
+Sales Concession
+Description
+
+A free-form text field used to describe
+sales concessions granted by an interested
+party.
+
+/VALUATION_RESPONSE/PROPERTY/SALES_CONTRACT/@SalesC
+oncessionDescription
+
+4000
+
+String
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point. Separate with a semicolon.
+
+This field is required if field 1-49 is indicated.
+
+CR
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+52
+
+NEIGHBORHOOD
+
+53
+
+NEIGHBORHOOD
+
+54
+
+NEIGHBORHOOD
+
+55
+
+NEIGHBORHOOD
+
+56
+
+NEIGHBORHOOD
+
+57
+
+NEIGHBORHOOD
+
+58
+
+NEIGHBORHOOD
+
+59
+
+NEIGHBORHOOD
+
+60
+
+NEIGHBORHOOD
+
+61
+
+NEIGHBORHOOD
+
+62
+
+NEIGHBORHOOD
diff --git a/chunks/txt/ad15e15a401d9126123aaa80523f892edcfbc672b96f4189e440c40c29461714.txt b/chunks/txt/ad15e15a401d9126123aaa80523f892edcfbc672b96f4189e440c40c29461714.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a84f8b77225aa488691c96821228118817d15e33
--- /dev/null
+++ b/chunks/txt/ad15e15a401d9126123aaa80523f892edcfbc672b96f4189e440c40c29461714.txt
@@ -0,0 +1,70 @@
+Desktop Underwriter/Desktop Originator Integration Impact Memo
+July 2024 Update
+
+April 17, 2024
+
+During the weekend of July 20, 2024, Fannie Mae will implement an update to Desktop Underwriter® (DU®). The changes are
+described below and will apply to new loan casefiles created on or after July 20, 2024.
+
+Review this memo to ensure that your integrated system(s) will be prepared to support these updates.
+
+Data Validation Updates
+
+The following data validation updates will be implemented:
+
+Data Point
+EmploymentStatusType
+
+Validation
+When missing, employment
+information (including income)
+will be removed.
+
+EmploymentClassificationType When EmploymentStatusType is
+
+EmploymentStatusType
+EmploymentClassificationType
+
+FIPSStateNumericCode
+FIPSCountyCode
+CensusTractIdentifier
+
+PurchaseCreditType
+PurchaseCreditSourceType
+
+Current and
+EmploymentClassificationType is
+missing, employment information
+(including income) will be
+removed.
+When there is more than one
+EmploymentStatusType of
+Current with
+EmploymentClassificationType of
+Primary, only the first occurrence
+of employment will be retained.
+All other instances of a
+current/primary employment
+(including income) will be
+removed.
+When CensusTractIdentifier is
+provided, but both
+FIPSStateNumericCode and
+FIPSCountyCode are not provided,
+the FIPS code will not be
+considered valid.
+When PurchaseCreditType and
+PurchaseCreditSourceType both
+exist in same container, only the
+PurchaseCreditType will be used.
+
+MP_STATUS_LOG Warning Issued
+WARNING - EMPLOYMENT / STATUS_TYPE
+(EMPLOYER_1) - value is required for all employments
+(Employment and associated income ‘INCOME_1’ were
+removed from the loan application data).
+WARNING - EMPLOYMENT / CLASSIFICATION_TYPE (
+EMPLOYER_1) - value is required for all Current
+employments (Employment container and associated
+incomes ‘ INCOME_1’ were removed from the loan
+application data).
diff --git a/chunks/txt/ad20f4a5a6a4f301c5bb85c6ffb3a40de8735fb939bed7b1b31c1394d667f1d3.txt b/chunks/txt/ad20f4a5a6a4f301c5bb85c6ffb3a40de8735fb939bed7b1b31c1394d667f1d3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e749dca5750a1c451c217f32a6d1119c6a32b1ed
--- /dev/null
+++ b/chunks/txt/ad20f4a5a6a4f301c5bb85c6ffb3a40de8735fb939bed7b1b31c1394d667f1d3.txt
@@ -0,0 +1,47 @@
+3.031
+
+gse:QualifiedMortgageShortResetARM_APRPercent
+
+D. UCD.XSD
+
+The ucd.xsd was added so that its contents—values for ucd:FeeItemType--could be both recognized and validated. With UCD
+v2.0, the ucd.xsd has 1 child container with only 2 data points—ucd:FEE_DETAIL_EXTENSION and ucd:FeeItemType and
+ucd:FeeItemTypeOtherDescription. The ucd: namespace must also be included in the UCD XML file header xmlns:ucd=
+http://www.datamodelextension.org/Schema/ucd (see Table 4).
+
+Since the UCD specification was first published, the convention for UMDP dataset EXTENSIONS is to create schema definitions
+that are specific and can be validated. These EXTENSIONS are built as follows:
+
+1. Following the container for which the new containers and/or data points are needed, add two containers—
+EXTENSION/OTHER-- to signal to the xml parser that these non-MISMO v3.3.0 data points are valid and acceptable.
+This is the approach used for the gse: EXTENSION.
+
+2. To enable validation of location and syntax, follow OTHER with the name of the container that is being extended—
+
+ucd:FEE_DETAIL_EXTENSION.
+
+3. Add child containers and data points to the extended container. All elements held by the extended container must
+
+be preceded by the “ucd:” prefix, otherwise they will fail schema validation.
+
+The finished XPath looks like:
+
+4. FEE_DETAIL / EXTENSION / OTHER / ucd:FEE_DETAIL_EXTENSION / ucd:FeeItemType.
+
+UCD v2.0 Implementation Guide
+
+- 153 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+Appendix C. UCD v2.0 EXTENSIONS
+
+Table 73. ucd: Namespace Data Points.
+
+UCD UID
+
+EXTENSION Data Point
+
+UCD Supported Enumeration
diff --git a/chunks/txt/ad2c42785e56c862ba5850d33766ae6159adb9a2f8f71b0e0792612b126abe7f.txt b/chunks/txt/ad2c42785e56c862ba5850d33766ae6159adb9a2f8f71b0e0792612b126abe7f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d174be72e4fc3b584ea1f9a383522a06a61b3a6e
--- /dev/null
+++ b/chunks/txt/ad2c42785e56c862ba5850d33766ae6159adb9a2f8f71b0e0792612b126abe7f.txt
@@ -0,0 +1,23 @@
+#### Request for Input
+
+[Improving Language Access in Mortgage Lending and Servicing Request for Input](/sites/default/files/2023-03/language_access_rfi.pdf)
+
+- [Note: Input period closed September 1]
+ [View Input Submitted](/public-input)
+
+- [Select *Language Access* topic in the pull down.]
+ #### Links:
+
+[News Release: Mortgage Translations Online Clearinghouse Now Includes Vietnamese, Korean, and Tagalog Languages](/news/news-release/mortgage-translations-online-clearinghouse-now-includes-vietnamese-korean-and-tagalog-languages) (*9/30/2020*)
+
+[News Release: FHFA Makes Translated COVID-19 Resources Available in Six Languages on LEP Site](/news/news-release/fhfa-makes-translated-covid-19-resources-available-in-six-languages-on-lep-site) *(6/16/2020)*
+
+[Joint Announcement: Mortgage Translations Clearinghouse Now Includes Chinese and Spanish Language](/sites/default/files/2023-04/urla_ulad_announcement.pdf) (*10/23/2019*)
+
+[Joint Announcement: Mortgage Translations Clearinghouse 現提供中文及西班牙文資料;加入中文資料有助於業界人士及借貸人順利完成抵押貸款及購房流程](/sites/default/files/2023-04/2019-Chinese-LEP-Release10-23-19_translated.pdf) (2019 年 10 月 23 日訊）
+
+[Joint Announcement: URLA February 1, 2020 Mandate Rescheduled; New Requirements Provided](/sites/default/files/2023-04/urla_ulad_announcement.pdf)*(8/8/2019)*
+
+[News Release: Mortgage Translations Clearinghouse Launched to Help Borrowers with English Language Barriers](/news/news-release/mortgage-translations-clearinghouse-launched-to-help-borrowers-with-english-language-barriers)*(10/15/2018)*
+
+[Comunicado de Prensa: Se lanza el Centro de Traducciones Hipotecarias como ayuda para los prestatarios con barreras en usar el inglés](/news/news-release/se-lanza-el-centro-de-traducciones-hipotecarias-como-ayuda-para-los-prestatarios-con-barreras-en) *(10/15/2018)*
diff --git a/chunks/txt/ad2cc51325db6ed88453906b71fef1963f0713ccbdbfcb8f7bb156d40d115c23.txt b/chunks/txt/ad2cc51325db6ed88453906b71fef1963f0713ccbdbfcb8f7bb156d40d115c23.txt
new file mode 100644
index 0000000000000000000000000000000000000000..92fc2c9cea92973ac0f8865f49326696f09c2613
--- /dev/null
+++ b/chunks/txt/ad2cc51325db6ed88453906b71fef1963f0713ccbdbfcb8f7bb156d40d115c23.txt
@@ -0,0 +1,327 @@
+Comp 1 ADU
+
+28160
+
+LivingUnitStandardFinishedAreaBelowGrade
+
+Comp 1 ADU
+
+-45000
+
+OverallConditionRating
+
+5000
+
+OutdoorLivingAmenity
+
+20000
+
+WaterFeaturesAmenity
+
+10000
+
+VehicleStorage
+
+753760
+
+North
+
+Less
+
+false
+
+217
+
+1
+
+.9
+
+-56240
+
+false
+
+false
+
+Dwelling
+
+1989
+
+false
+
+Carpet,Vinyl
+
+Flooring
+
+FullyUpdated
+
+8 Ft.Ceilings
+
+WallsAndCeiling
+
+614
+
+3228
+
+1000
+
+false
+
+5
+
+3
+
+1
+
+C3
+
+Q4
+
+Mid-High Grade Finishes
+
+FullyUpdated
+
+Comp 1 Primary
+
+Mid Grade Quality
+
+Kitchen
+
+FullyUpdated
+
+500
+
+0
+
+true
+
+1
+
+1
+
+0
+
+C3
+
+Q4
+
+Comp 1 ADU
+
+Colonial
+
+Vinyl
+
+ExteriorWallsAndTrim
+
+true
+
+Composition
+
+Roof
+
+C3
+
+Q4
+
+2
+
+ForcedWarmAir
+
+PropertyPhoto
+
+\\Images\SF4_Comp1.png
+
+image/png
+
+7
+
+839999
+
+SettledSale
+
+25.164174
+
+-51.328126
+
+Deck
+
+Patio
+
+Porch
+
+OutdoorLiving
+
+1
+
+Detached
+
+1
+
+true
+
+1
+
+C3
+
+Q4
+
+true
+
+Leasehold
+
+false
+
+false
+
+1250
+
+false
+
+2019-06-01
+
+2019-08-01
+
+810000
+
+Sale
+
+2015-02-23
+
+677250
+
+Sale
+
+TypicallyMotivated
+
+None
+
+Asphalt
+
+Local
+
+false
+
+19600
+
+Full
+
+Residential
+
+38243 Liberty Rd
+
+Somewhere
+
+12345
+
+VA
+
+Driveway
+
+Asphalt
+
+6
+
+false
+
+Detached
+
+Garage
+
+2
+
+0
+
+SalesConcessions
+
+0
+
+ContractDate
+
+0
+
+SaleDate
+
+30000
+
+SiteSize
+
+-40000
+
+View
+
+0
+
+YearBuilt
+
+-20640
+
+LivingUnitStandardFinishedAreaAboveGrade
+
+Comp 2 Primary
+
+-14400
+
+LivingUnitStandardFinishedAreaBelowGrade
+
+Comp 2 Primary
+
+2700
+
+LivingUnitUnfinishedAreaBelowGrade
+
+Comp 2 Primary
+
+8160
+
+LivingUnitStandardFinishedAreaBelowGrade
+
+Comp 2 ADU
+
+10000
+
+VehicleStorage
+
+0
+
+WaterFeaturesAmenity
+
+-16000
+
+Outbuilding
+
+-5000
+
+Outbuilding
+
+774820
+
+East
+
+Most
+
+false
+
+230
+
+2
+
+0.56
+
+-45180
+
+true
+
+true
+
+HERS
+
+65
+
+Home Energy Score
+
+8
+
+Solar
+
+Dwelling
+
+1984
diff --git a/chunks/txt/ad2d0e394584df5d15c64603e552589e29af9416a25664be12bf6b42889563f1.txt b/chunks/txt/ad2d0e394584df5d15c64603e552589e29af9416a25664be12bf6b42889563f1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..874a749efd0991842ece842aac48102228606ce5
--- /dev/null
+++ b/chunks/txt/ad2d0e394584df5d15c64603e552589e29af9416a25664be12bf6b42889563f1.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/reports/foreclosure-prevention-refinance-and-fpm"
+date_accessed: "2026-01-27T17:48:05.329Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/ad4981b29c4050126c591cab5d181e69cc39c3fa396740ec0a4a9591fa7110d6.txt b/chunks/txt/ad4981b29c4050126c591cab5d181e69cc39c3fa396740ec0a4a9591fa7110d6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..19fffefe43ca3d1f04ef1995c67b1d960dedda19
--- /dev/null
+++ b/chunks/txt/ad4981b29c4050126c591cab5d181e69cc39c3fa396740ec0a4a9591fa7110d6.txt
@@ -0,0 +1,123 @@
+2000.00
+
+4156.00
+
+Other Costs
+
+8.0
+
+8.18 I. TOTAL OTHER COSTS
+
+8.18.1
+
+8.19 Other Costs Subtotals
+
+9.1 TOTAL CLOSING COSTS
+
+9.2 Closing Costs Subtotals
+
+8.19.2
+$1,200.00
+
+8.19.3
+$366.00
+
+9.1.1
+
+9.2.2
+$3,200.00
+
+9.2.3
+$4,522.00
+
+9.3 Lender Credits 9.3.1
+
+9.3.2 -$200.00
+
+1200.00
+
+366.00
+
+3200.00
+
+-200.00
+
+4522.00
+
+UCD v2.0 Implementation Guide
+
+- 80 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+For the ”Summaries of Transactions” or “Payoffs and Payments” tables INTEGRATED_DISCLOSURE_SECTION_SUMMARY
+only holds the data points _SectionSummaryType and _SectionTotalAmount. The subsection headings are identified in
+instances of LIABILITY (see Table 14) or CLOSING_ADJUSTMENT_ITEM_TYPE (see Table 23).
+
+Figure 61. Rendering Section Heading Data on the CD Summaries of
+Transactions or Payoffs and Payments Tables.
+
+CD Excerpt
+
+UCD v2.0 Spec Excerpt
+
+Summaries of Transactions
+
+(11.0 – 13.0)
+
+BORROWER’S TRANSACTION
+
+11.0 K. Due From Borrower At Closing
+
+12.0 L. Paid Already by or on Behalf of
+
+Borrower at Closing
+
+Payoffs and Payments
+
+25.1
+
+11.0.1
+$193,409.29
+
+12.0.1
+$175,790.00
+
+(25.0)
+
+25.1.1
+
+IntegratedDisclosureSectionSum
+maryType
+
+IntegratedDisclosureSectionTotal
+Amount
+
+DueFromBorrowerAtClosing
+
+193409.29
+
+PaidAlreadyByOrOnBehalfOfBor
+
+rowerAtClosing
+
+175790.00
+
+25.2 TOTAL PAYOFFS AND PAYMENTS
+
+25.2.1
+
+PayoffsAndPayments
+
+250000.00
+
+For UCD v2.0 purposes, to clearly specify so many instances of INTEGRATED_DISCLOSURE_SECTION_SUMMARY and, when
+applicable, INTEGRATED_DISCLOSURE_SUBSECTION_PAYMENTS, the headings are grouped together according to their tables
+on the CD, with all the instances of “_SECTION_SUMMARY” having the same UCD Unique IDs. This is an arbitrary choice for
+documentation purposes; they can be arranged in any order in the XML file, as long as they follow the MISMO standard. Note
+that this MISMO standard rule means that the headings all appear consecutively and are not associated with the data points
+supporting their sections.
diff --git a/chunks/txt/ad4d0bf2da3c6c0afffc4fa16d5cb984a8a2c09095be5645514673beec2d43b7.txt b/chunks/txt/ad4d0bf2da3c6c0afffc4fa16d5cb984a8a2c09095be5645514673beec2d43b7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..367af5358b29db42cdf4a66c3f090cde272bc4b7
--- /dev/null
+++ b/chunks/txt/ad4d0bf2da3c6c0afffc4fa16d5cb984a8a2c09095be5645514673beec2d43b7.txt
@@ -0,0 +1,33 @@
+10. 1 – 10. 11 LI NE I TEM DEFI NI TION S FOR THE FI NAL AMOUNT
+
+10.10 Loan Amount - the principal amount of the credit being extended to the borrower(s).
+
+10.1
+
+Total Closing Costs (J) - The amount from J. TOTAL CLOSING COSTS (Borrower-Paid) (9.1.1) on the
+Closing Disclosure reduced by the amount of the disclosed Lender Credits (9.3.2). This is represented in
+the Alternative Calculating Cash to Close table as a negative number.
+
+10.2
+
+Closing Costs Paid Before Closing - the total closing costs the borrower(s) paid before consummation of
+the transaction). Equal to the value from 9.2.3 of the Total Closing Costs (Borrower-Paid) table.
+
+10.11 Total Payoffs and Payments (K) - the total of all payments to third parties as part of the transaction not
+otherwise disclosed in the Loan Costs or Other Costs tables. Equal to the total amount (25.2.1) from the
+Payoffs and Payments table.
+
+10.9
+
+10.3
+
+Cash to Close - the sum totals of the amounts for the four line items in the Loan Estimate and the Final
+columns of the Alternative Cash to Close Table. Includes From / To Borrower check boxes for both the
+Loan Estimate and Final amounts.
+
+Closing Costs Financed - the amount of the closing costs to be paid from mortgage loan proceeds.
+Included in the Alternative Calculating Cash to Close table but is not part of the calculation, so excludes
+comparison with Loan Estimate. Equal to the Loan Amount (10.10) less [Total Payoffs and Payments
+plus J. TOTAL CLOSING COSTS (Borrower-Paid) Before Closing], but is disclosed only to the extent that
+the calculation results in a positive amount no greater, and only up, to the total amount of closing costs
+disclosed in J. TOTAL CLOSING COSTS (Borrower-Paid).
diff --git a/chunks/txt/ad647d7f904b7af392398b692077c3f34d052d651dda255781d5d69057ff1e54.txt b/chunks/txt/ad647d7f904b7af392398b692077c3f34d052d651dda255781d5d69057ff1e54.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6a9bc62adfc886543a54b8f2ed6ebe033cdcba90
--- /dev/null
+++ b/chunks/txt/ad647d7f904b7af392398b692077c3f34d052d651dda255781d5d69057ff1e54.txt
@@ -0,0 +1,35 @@
+- ## 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 (“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.
+
+[View Program](/regulation/suspended-counterparty-program)
+
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
+
+## Footer
+
+- [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
diff --git a/chunks/txt/ad70457804e5e768601ad2d6e5ecc1e4fcb6bc01c49c7e1ffadf02b940664919.txt b/chunks/txt/ad70457804e5e768601ad2d6e5ecc1e4fcb6bc01c49c7e1ffadf02b940664919.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f2a2ecee41654c6f3535a77be96b8d4d6897bf2a
--- /dev/null
+++ b/chunks/txt/ad70457804e5e768601ad2d6e5ecc1e4fcb6bc01c49c7e1ffadf02b940664919.txt
@@ -0,0 +1,35 @@
+•
+
+The appraiser must fully consider all of the market value-influencing characteristics and develop a description of the market area
+even if this requires more extensive research for particular property types or for properties in certain geographic locations.
+
+An appraiser must perform a market analysis to identify the geographic area that is subject to the same influences as the property
+being appraised, based on the actions of typical buyers. The results enable the appraiser to identify factors influencing property
+value and define the market area from which to select the data needed to perform a sales comparison analysis.
+
+In performing a market analysis, the appraiser must
+
+•
+•
+
+collect pertinent data,
+research the market area to identify physical characteristics and determine boundaries, and
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 75 of 166
+
+UAD 3.6 Policy
+
+•
+
+identify land uses and any signs that the land uses are changing.
+
+Fannie Mae expects the appraiser and the lender’s underwriter to be aware of the varying conditions that characterize different
+market area types. Conditions typical in certain market areas may not be present in others. This does not mean the existence of
+certain types of conditions or characteristics are unacceptable; rather, it is an indication they must be viewed in context with the
+nature of the market area in which the subject property is located. For example, some market areas consist of a variety of
+property types with different uses. It is common to find properties that have mixed-uses, such as residential properties that also
+have child-care facilities, doctor or dental offices, and other types of business or commercial uses. The presence of mixed-use
+properties or a variety of property types within a market area should be viewed as a characteristic that the appraiser considers
+when performing the analysis and describing boundaries.
diff --git a/chunks/txt/ad74c1099a011569a09da64e4d13a19490f9b351fddc0557f641f59d095b53bb.txt b/chunks/txt/ad74c1099a011569a09da64e4d13a19490f9b351fddc0557f641f59d095b53bb.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8a76712906f08a35b16033873bc06589ac0523c4
--- /dev/null
+++ b/chunks/txt/ad74c1099a011569a09da64e4d13a19490f9b351fddc0557f641f59d095b53bb.txt
@@ -0,0 +1,45 @@
+05.012
+
+05.013
+
+05.014
+
+1
+
+2
+
+3
+
+05.015
+
+4
+
+05.016
+
+05.017
+
+5
+
+6
+
+I have no present or prospective interest in the property that is the subject of this report,
+or relationship with the present or prospective owners or occupants of the subject
+property, or other parties involved in this transaction.
+I performed this assignment without bias with respect to the parties involved in this
+transaction, the property that is the subject of this report, or the demographics of the
+area where the property is located.
+I am aware of and have complied with all applicable laws and regulations including
+antidiscrimination laws, rules, and requirements that apply to the appraiser and to the
+assignment.
+I 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.
+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.
+I have, at a minimum, developed and reported this appraisal update in accordance with
+the scope of work requirements stated in this appraisal update report and concur with
+the analysis and conclusions in the original appraisal.
diff --git a/chunks/txt/ad78d1bbc0ab28cfc84428c1bb1488d3208150d8a541852835fb0ee001b3af2f.txt b/chunks/txt/ad78d1bbc0ab28cfc84428c1bb1488d3208150d8a541852835fb0ee001b3af2f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..641df3118af7ee6ad96681a91fc6632cffcba69b
--- /dev/null
+++ b/chunks/txt/ad78d1bbc0ab28cfc84428c1bb1488d3208150d8a541852835fb0ee001b3af2f.txt
@@ -0,0 +1,62 @@
+19.7 §1026.37(i)(5)(ii) p. 80119, 79970; 37(i)(5)-3 p. 80346.
+
+19.8 §1026.37(i)(5)(iii) p. 80119, 79970; 37(i)(5)-4 p. 80346.
+
+19. 1 | 19. 5 – 19. 8 I NTEREST ONLY LOAN
+
+If one or more regular periodic payments may be applied only to interest accrued and not to the loan principal,
+the loan has “Interest Only Payments”. For example: 30-year Fixed | 1-year Interest Only Period | P&I = $1,500
+after Interest Only Period ends. For the AP Table, “YES” is provided in answer to the question Interest Only
+Payments? in row 19.1, along with the number of payments that may be interest only. The bottom half of the
+AP Table provides the additional information that there are no subsequent changes to the P&I payment once
+the Interest Only period ends.
+
+Adjustable Payment (AP) Table
+
+19.0 if yes:
+
+Interest Only Payments? 19.1 YES
+
+19.1.1 For your first 12 payments
+
+19.5 Pe riod Principal and Interest Payments
+
+First Change / Amount 19.6 $1,500 at 13th payment
+
+Subsequent Changes
+
+19.7 No subse quent changes
+
+Maximum Payment
+
+19.8 $1,500 starting at 13th payment
+
+Figure 118. Fixed Rate Loan Interest Only Loan
+
+1. LOAN TERMS TABLE I NTEREST ONLY LOAN E NTRI ES
+
+As shown in the figure below, Row 4.3 of the Loan Terms table provides information about the interest only
+feature that is presented again in the AP Table.
+
+Loan Terms
+
+4.0 Initial P&I
+
+Increase?
+
+Description
+
+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
+1) Adjusts once starting in year 1
+2) Goes as high as $1,500 in year 2
+3) Includes only interest and no principal until year 2
+4) See AP Table on page 4 for details
diff --git a/chunks/txt/ad9f58c979e3e35d83d515f944735a2958dcef0aee85a580824b66b37ae4a897.txt b/chunks/txt/ad9f58c979e3e35d83d515f944735a2958dcef0aee85a580824b66b37ae4a897.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8018e4ef7acd69636b00ff22c1e43c84ded8183e
--- /dev/null
+++ b/chunks/txt/ad9f58c979e3e35d83d515f944735a2958dcef0aee85a580824b66b37ae4a897.txt
@@ -0,0 +1,13 @@
+The Duty to Serve regulation identifies members of a Federally recognized Indian tr​ibe living in Indian areas as a high-needs rural population that Fannie Mae and Freddie Mac may serve in rural areas. Below is a link to the specific geographies which meet the Indian Areas definition.
+
+## High Opportunity Areas
+
+FHFA's Duty to Serve regulation defines residential economic diversity to include Enterprise activities that support financing of mortgages in high opportunity areas. High opportunity areas for purposes of Duty to Serve, include areas designated by Housing and Urban Development (HUD) as a "Difficult Development Area" (DDA), as well as areas designated by a state local Qualified Allocation Plan as a high opportunity area, whose poverty rate is lower than the rate established by FHFA. Below is a link to the specific geographies which meet the High Opportunity Areas definition.
+
+## Areas of Concentrated Poverty
+
+FHFA’s Duty to Serve regulation defines residential economic diversity to include activities that support financing of mortgages in areas of concentrated poverty. Areas of concentrated poverty for purposes of Duty to Serve, include a census tract designated by HUD as a Qualified Census Tract, or as a Racially or Ethnically-Concentrated Area of Poverty, during any year covered by an Underserved Markets Plan or in the year prior to a Plan’s effective date. Below is a link to the specific geographies which meet the Area of Concentrated Poverty definition.
+
+## Small Financial Institutions
+
+The Duty to Serve regulation defines “small financial institution” as a financial institution with less than $304 million in assets. [Below](#SmallFinancialInstitution) is a link to the list of small financial institutions that meet this definition. The list consists primarily of depository institutions, credit unions and Community Development Financial Institutions. The list does not include non-depository mortgage banks. The list also includes several Agricultural Credit Associations (ACAs).
diff --git a/chunks/txt/adabcd9b288f1682ed3ea7ddfffecd60f5ab0e35699d0032151e3b618879b369.txt b/chunks/txt/adabcd9b288f1682ed3ea7ddfffecd60f5ab0e35699d0032151e3b618879b369.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a81c36542af1596416acf12db09317882b7a2b17
--- /dev/null
+++ b/chunks/txt/adabcd9b288f1682ed3ea7ddfffecd60f5ab0e35699d0032151e3b618879b369.txt
@@ -0,0 +1,5 @@
+Highest and Best Use Exhibits (H1) ..................................................................................................................... 54
+
+Market .......................................................................................................................................................... 54
+
+Search Result Metrics (H1) ................................................................................................................................. 54
diff --git a/chunks/txt/adb3090199fb58d4fabfd1f22dc856deb4628cd6e68548660dc5d2c9ced003f8.txt b/chunks/txt/adb3090199fb58d4fabfd1f22dc856deb4628cd6e68548660dc5d2c9ced003f8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..49f3f9a6fc1865f148a094b0ecda2c8ba2b784c4
--- /dev/null
+++ b/chunks/txt/adb3090199fb58d4fabfd1f22dc856deb4628cd6e68548660dc5d2c9ced003f8.txt
@@ -0,0 +1,99 @@
+Level 1 - Bath - Half
+
+Level 1 - Kitchen
+
+This is where the Half Bathroom photo would display.
+
+This is where the Kitchen photo would display.
+
+Level 1 - Living Room
+
+Level 2 - Bath - Full - Bath 2
+
+This is where the Living Room photo would display.
+
+This is where the Bath 2 photo would display.
+
+Level 2 - Bath - Full - Bath 3
+
+Level 3 - Bath - Full - Bath 4
+
+This is where the Bath 3 photo would display.
+
+This is where the Bath 4 photo would display.
+
+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 9 of 22
+
+Unit Interior (continued)
+
+Level 3 - Bedroom - Top Floor Bedroom
+
+This is where the Bedroom photo would display.
+
+Functional Obsolescence
+
+Functional Issues
+
+None
+
+Vehicle Storage
+
+Storage
+Garage
+
+Number of Parking Spaces
+2
+
+Detail
+Built-in
+648 Sq. Ft.
+
+Apparent Defects, Damages, Deficiencies (Vehicle Storage)
+
+None
+
+Subject Property Amenities
+
+Amenity Category
+Outdoor Living
+
+Subject Property Amenity
+Deck
+
+Material
+Composite
+
+Composite
+
+Whole Home
+
+Elevator
+
+Indoor Fireplace
+
+Detail
+168 Sq. Ft.
+
+408 Sq. Ft.
+
+Total Number - 1
+
+Apparent Defects, Damages, Deficiencies (Subject Property Amenities)
+
+None
+
+Subject Property Amenities Exhibits
+
+Deck - Upstairs Deck
+
+Deck - Downstairs Deck
+
+This is where the Upstairs Deck photo would display.
+
+This is where the Downstairs Deck photo would display.
+
+Appraiser Reference ID LN1265431 Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)
diff --git a/chunks/txt/adbec2f8d85cb955ed3c1da9eb160e17ce413b6f643ae3f19f0d10745cf8feaa.txt b/chunks/txt/adbec2f8d85cb955ed3c1da9eb160e17ce413b6f643ae3f19f0d10745cf8feaa.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9d7860ca203ff82140d3b40f038d8ba59948cde5
--- /dev/null
+++ b/chunks/txt/adbec2f8d85cb955ed3c1da9eb160e17ce413b6f643ae3f19f0d10745cf8feaa.txt
@@ -0,0 +1,77 @@
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 70 of 76
+
+Section X. Index
+
+X. Index
+The index includes key words referenced in this document. Page numbers in bold type refer to
+the entry in the Glossary for the associated term. If a term appears more than once on a page, the
+page number is only listed once.
+
+Appendix A
+
+GSE-specific, 16, 35, 65
+Shared (ULDDS), 8, 9, 10, 13, 19, 27, 32, 38, 41,
+
+48, 55, 56, 64, 71, 75
+Calculated Results Field, 15
+CALCULATED RESULTS FIELD, 15
+Cardinality, 36, 64, 65, 68
+Class Word, 14, 15, 16, 19, 68
+Conditionality, 8, 36, 65, 66, 68
+
+GSE-specific, 9, 65
+Shared, 64
+
+Container, 9, 31, 68
+ADJUSTMENT, 48
+Attributes, 27, 41
+Cardinality, 36
+Choice Group, 39, 40
+Context, 26
+Definitions, 25, 34
+Deprecated, 13, 77
+EXTENSION, 31, 77
+LOANSTATE, 41
+MISMO LDD and, 13
+Names, 25
+Parent, 23, 24, 26, 29, 31, 32, 36, 37, 39, 69, 75
+PARTY, 55, 58
+Relationships, 67
+Reusable, 24, 38, 69
+Reusable Data Points and, 23, 24
+ROLE, 55
+Root, 31, 38
+ULDDS, 32
+XPath and, 38
+
+Data Point, 6, 7, 8, 9, 13, 14, 68, 69, 72, 76
+
+App Info, 18
+Attributes, 27
+CALCULATED RESULTS FIELD, 15
+Conditionality, 36
+Containers and, 31
+Context, 23
+Definitions, 14
+Deprecated, 13
+Enumerated, 16
+FORM SPECIFIC FIELD, 15
+IdentifierOwnerURI, 15
+LoanStateDate, 41
+LoanStateType, 41, 42
+
+MISMO LDD and, 13
+Naming Convention, 14
+Other/OtherDescription, 16, 17, 18
+PartyRoleType, 39
+Replacing Codes, 9
+Reusable, 24, 38, 69
+Test Case Scenarios, 66
+Type, 19
+Type Linkages, 20, 21
+Worksheet, 13
+Xpath and, 38
diff --git a/chunks/txt/add8850b49cb633351a3e0e42b79b3679b554890db8c6b015d2d6955b5f4873a.txt b/chunks/txt/add8850b49cb633351a3e0e42b79b3679b554890db8c6b015d2d6955b5f4873a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6fe501a64625b66dde661b9a28f7cfc0f02d82d0
--- /dev/null
+++ b/chunks/txt/add8850b49cb633351a3e0e42b79b3679b554890db8c6b015d2d6955b5f4873a.txt
@@ -0,0 +1,166 @@
+Primary
+Access
+
+subject or any
+comparable is
+in a Hazard
+Zone
+
+If relevant
+
+Required if Hazard
+Zone is USGS Lava
+Flow Zone
+
+USGS Lava Flow
+Zone 1 - 9
+
+Site
+•
+
+Lava Flow Zone
+4.047
+
+Yes
+22.03.27
+
+Required if Site Owned
+in Common is No, and
+the row is included in
+the sales comparison
+grid
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+Site
+•
+
+Primary Access to
+Property 4.020
+
+Yes
+22.03.29
+
+Pedestrian Only Access
+Private Airstrip
+Private Street
+Public Street
+
+•
+•
+•
+•
+• Waterway
+•
+
+Other (Describe)
+
+Appendix F-1: URAR Reference Guide
+
+Page 228 of 375
+
+Version 1.3
+
+Free-form
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+Choose an
+allowable answer
+from the
+Definition /
+Additional
+Guidance column
+
+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: Site
+
+22.03.07
+22.03.30
+
+Street Type |
+Surface
+
+If relevant
+
+Required when the
+row is included in the
+sales comparison grid
+
+22.03.07
+22.03.30
+
+Street Type |
+Surface
+
+If relevant
+
+Required for each
+street when the row is
+included in the sales
+comparison grid
+
+22.03.08
+22.03.32
+
+Property
+Restriction
+
+If relevant
+
+If applicable when the
+row is included in the
+sales comparison grid
+
+22.03.09
+22.03.34
+
+Easement
+
+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
diff --git a/chunks/txt/ade9d94cac2dda8aa7f3c264d90e621ac2ae68b15feccd2a1d74ab256ffc0234.txt b/chunks/txt/ade9d94cac2dda8aa7f3c264d90e621ac2ae68b15feccd2a1d74ab256ffc0234.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dc596841136c3893ff8f3dbe30ab8f3d31d3aa59
--- /dev/null
+++ b/chunks/txt/ade9d94cac2dda8aa7f3c264d90e621ac2ae68b15feccd2a1d74ab256ffc0234.txt
@@ -0,0 +1,106 @@
+MISMO v3.3.0 Data
+Point
+
+MISMO v3.3.0
+Value
+
+Notes
+
+4.3.3 (2) Goes as high as $n
+in year n
+
+…/AMORTIZATION
+_RULE
+
+AmortizationType
+
+GPM
+
+4.3.2
+
+Can this amount
+increase…?
+
+…/LOAN_DETAIL
+
+PaymentIncreaseIn
+dicator
+
+true
+
+Represented as
+“Goes” on form
+
+Represented as
+“YES” on form
+
+4. 3. 3 P& I PAYMENT I NCREASE TERMS
+
+Regardless of whether the payment increase is potential or scheduled, the number of months before the first
+adjustment, lifetime maximum payment amount and the earliest it can be reached also must be provided.
+
+The following table illustrates the data points that need to be supplied for any loan where the payment adjusts
+based on a change to the interest rate (ARM, Graduated Payment ARM, Step Rate, or loan with a temporary
+buydown.) For form field ID 4.3.3, a reference to the bullet is also provided (first = (1), second = (2), third (3)).
+When the payment adjusts only because the interest rate is changing, the Adjustable Payment (AP) Table is not
+provided.
+
+Table 63. P&I Payment Increase Terms
+
+ID (bullet)
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point
+
+MISMO v3.3.0 Value
+
+Notes
+
+4.3.3 (1) Adjusts every n
+years starting in
+year n
+
+4.3.3 (2) Goes as high as $n in
+year n
+
+…/PRINCIPAL_AND_I
+NTEREST_PAYMENT
+_LIFETIME_ADJUST
+MENT_RULE
+
+FirstPrincipalAndInt
+erestPaymentChang
+eMonthsCount
+
+61
+
+PrincipalAndInterest
+PaymentMaximumA
+mount
+
+1870.00
+
+Represented as
+“Year 6” in Loan
+Terms table
+
+Represented as
+“$1,870” in Loan
+Terms table
+
+Appendix E: UCD Implementation Guide
+
+Page 73 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+4.0 Loan Terms
+
+ID (bullet)
diff --git a/chunks/txt/adf2133cd1cc74211a7acb522899cb0a650a25f4f0a32673fd0fbfeec244747d.txt b/chunks/txt/adf2133cd1cc74211a7acb522899cb0a650a25f4f0a32673fd0fbfeec244747d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c63a1c76e5d752f5efa8fbfa35d47eee3b88f0f4
--- /dev/null
+++ b/chunks/txt/adf2133cd1cc74211a7acb522899cb0a650a25f4f0a32673fd0fbfeec244747d.txt
@@ -0,0 +1,146 @@
+/VALUATION_RESPONSE/PROPERTY/NEIGHBORHOOD/@_MarketC
+onditionsDescription
+
+4000
+
+String
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+/VALUATION_RESPONSE/PROPERTY/SITE/@_DimensionsDescription
+
+40
+
+String
+
+CR
+
+CR
+
+CR
+
+CR
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+Form FNM 2055 FRE 2055
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 176 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
+
+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
diff --git a/chunks/txt/adf3382285fb80475cb1253912f3b3c2922976c03098b1f7c053e03b03e8d1c2.txt b/chunks/txt/adf3382285fb80475cb1253912f3b3c2922976c03098b1f7c053e03b03e8d1c2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c35e827faaf223f60c9c695257392f07dabf3b46
--- /dev/null
+++ b/chunks/txt/adf3382285fb80475cb1253912f3b3c2922976c03098b1f7c053e03b03e8d1c2.txt
@@ -0,0 +1,91 @@
+8
+
+1
+
+9
+
+1
+
+7
+
+8
+
+SUBJECT
+
+Unit #
+
+Unit Identifier
+
+The identification of the unit.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/_UNIT/@UnitIdentifier
+
+12
+
+String
+
+SUBJECT
+
+City
+
+Property City
+
+The city in which the subject property is
+located.
+
+/VALUATION_RESPONSE/PROPERTY/@_City
+
+40
+
+String
+
+10
+
+1
+
+9
+
+SUBJECT
+
+State
+
+Property State
+
+The state in which the subject property is
+located.
+
+/VALUATION_RESPONSE/PROPERTY/@_State
+
+2
+
+String
+
+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 (fields 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.
diff --git a/chunks/txt/adf984f2847e11a1ca36eade5a41c7ccf8464197e237a924427a56fa8206d2bc.txt b/chunks/txt/adf984f2847e11a1ca36eade5a41c7ccf8464197e237a924427a56fa8206d2bc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..03bd8d5c129581a3dd16c70edf366dc54cb1c2be
--- /dev/null
+++ b/chunks/txt/adf984f2847e11a1ca36eade5a41c7ccf8464197e237a924427a56fa8206d2bc.txt
@@ -0,0 +1,75 @@
+• Content sets as TB-B
+
+Property Amenities
+
+•
+
+•
+
+“Property Amenities” sets as TB-SCA_sub-H1
+
+“Outdoor Accessories,” “Outdoor Living,” “Water Features,” “Whole Home,” “Miscellaneous” set as
+TB
+
+Vehicle Storage
+
+•
+
+•
+
+“Vehicle Storage” sets as TB-SCA_sub-H1-ADJ
+
+“Type | Spaces | Detail,” “[Additional Row]” set as TB
+
+Outbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room counts)
+
+•
+
+•
+
+Summary
+
+•
+
+•
+
+“Outbuilding (ADU and vehicle storage are not included in Finished Area, Unfinished Area, or room
+counts)” sets as TB-SCA_sub-H1
+
+“Outbuilding Type” sets as TB-B, content sets TB-B
+
+o “Gross Building Area,” “Finished Area,” “Unfinished Area,” “Structure Volume,” “Baths - Full,”
+“Baths - Half,” “Kitchens,” “Heating,” “Cooling,” “Utilities,” “[Additional Row]” set as TB-I
+
+“Summary” sets as TB-SCA_sub-H1.
+
+“List Price,” “Contract Price,” “Sale Price,” “Net Adjustment Total,” “Adjusted Price Per Unit,”
+“Adjusted Price Per Bedroom,” “Price Per Gross Building Finished Area,” “Price Per Finished Area
+Above Grade,” “Adjusted Price,” “Comparable Weight” set as TB.
+
+Indicated Value by Sales Comparison Approach
+
+•
+
+•
+
+“Indicated Value by Sales Comparison Approach” sets as TB-SCA_H2.
+
+“Indicated Value” (for Subject Property only) sets as TB in Subject Property column; Comparable
+columns are merged and 10% black.
+
+Appendix E: Report Style Guide
+
+Page 63 of 90
+
+Version 1.4
+
+Reconciliation of Sales Comparison Approach (H1)
+
+Set Commentary as TXC x 45 picas.
+
+Additional Properties Analyzed Not Used (H1)
+
+Additional Properties Analyzed table
+
+• Set 6 column table x 45 picas, headings: (TCH) “#,” “Property Address,” “Sale Date,” “Status,”
diff --git a/chunks/txt/ae0db89145d5e822cbd6feacafd0b016e9a82c01f8a1f990a7fc9e5aa1621614.txt b/chunks/txt/ae0db89145d5e822cbd6feacafd0b016e9a82c01f8a1f990a7fc9e5aa1621614.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cf8bd04e0d2bb215ceb0e8b877e9a34b4c9fcb64
--- /dev/null
+++ b/chunks/txt/ae0db89145d5e822cbd6feacafd0b016e9a82c01f8a1f990a7fc9e5aa1621614.txt
@@ -0,0 +1,209 @@
+Are there any apparent physical deficiencies or adverse conditions that affect the livability, soundness, or structural integrity of the property? Yes No
+If Yes, describe 209
+
+208
+
+207
+
+Does the property generally conform to the neighborhood (functional utility, style, condition, use, construction, etc.)? Yes No If No, describe 212
+
+210
+
+211
+
+Freddie Mac Form 2055 March 2005 226
+
+Page 1 of 6
+
+Fannie Mae Form 2055 March 2005
+
+2
+
+Exterior-Only Inspection Residential Appraisal Report
+
+File # 3 4 4a
+
+S
+A
+L
+E
+S
+
+C
+O
+M
+P
+A
+R
+I
+S
+O
+N
+
+A
+P
+P
+R
+O
+A
+C
+H
+
+R
+E
+C
+O
+N
+C
+I
+L
+I
+A
+T
+I
+O
+N
+
+51
+
+47
+
+47
+
+51
+
+51
+
+47
+
+57
+
+57
+
+59
+
+$ 13
+
+53
+55
+
+53
+55
+
+$ 48
+
+$ 48
+
+$ 48
+
+22
+
+21
+
+62
+
+60
+
+e-25; e-2
+
+e-25; e-2
+
+e-25; e-2
+
+e-5; e-6; e-7
+
+61 60
+
+DESCRIPTION
+
+DESCRIPTION
+
+DESCRIPTION
+
+DESCRIPTION
+
+e-29; e-30; e-31
+
+e-14; e-15; e-16
+
+e-14; e-15; e-16
+
+e-29; e-30; e-31
+
+e-14; e-15; e-16
+
+SUBJECT
+
++(-) $ Adjustment
+
++(-) $ Adjustment
+
++(-) $ Adjustment
+
+$ 49 sq. ft.
+
+$ 49 sq. ft.
+
+$ 49 sq. ft.
+
+52
+e-26; e-27; e-28
+
+52
+e-26; e-27; e-28
+
+52
+e-26; e-27; e-28
+
+COMPARABLE SALE # 1
+45
+46a 46b 46c
+
+COMPARABLE SALE # 3
+45
+46a 46b 46c
+
+COMPARABLE SALE # 2
+45
+46a 46b 46c
+
+There are 5 comparable properties currently offered for sale in the subject neighborhood ranging in price from $ 6 to $ 7
+There are 8 comparable sales in the subject neighborhood within the past twelve months ranging in sale price from $ 9 to $ 10 .
+FEATURE
+Address 11
+ 12a 12b 12c
+Proximity to Subject
+Sale Price
+Sale Price/Gross Liv. Area $ 14 sq. ft.
+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
diff --git a/chunks/txt/ae13b659ace02e4d739438bd58591ef5fea341525c55779d929e755a41fc7fed.txt b/chunks/txt/ae13b659ace02e4d739438bd58591ef5fea341525c55779d929e755a41fc7fed.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6e388e8448e5c945826018ed229f09a56a0d0973
--- /dev/null
+++ b/chunks/txt/ae13b659ace02e4d739438bd58591ef5fea341525c55779d929e755a41fc7fed.txt
@@ -0,0 +1,110 @@
+3.1 Loan Term (Months)
+3.2 Purpose (LoanPurposeType = “Purchase |
+
+Refinance”)
+
+3.3 Product
+3.4 Loan Type
+
+Conventional
+ VA
+
+FHA
+
+3.5 Loan ID #
+3.6 MIC #
+
+.
+
+1.7 Sale Price $
+
+Loan Terms
+4.1 Loan Amount
+
+4.2 Interest Rate
+
+4.0
+4.1.1 $
+
+4.2.1 %
+
+Can this amount increase after closing? (Complete if “YES”)
+
+4.1.2 NO
+
+4.2.2 NO/YES 4.2.3
+
+▪ Adjusts every n years starting in year n.
+▪ Can go as high as % in year n.
+▪ See AIR Table on page 4 for details.
+
+4.3 Period Principal & Interest
+
+4.3.1 $
+
+4.3.2 NO/YES 4.3.3
+
+See Projected Payments below for
+your Estimated Total Monthly Payment
+
+▪ Adjusts every n years starting in year n.
+▪ Can go as high as $ in year n.
+
+4.4 Prepayment Penalty
+
+4.5 Balloon Payment
+
+Projected Payments
+
+5.0
+
+Does the loan have these features?
+4.4.2 NO
+4.5.2 NO
+
+5.1 Payment Calculation
+
+5.1.1 Years 1 – n
+
+5.1.2 Years n – n
+
+5.1.3 Years n - n
+
+5.1.4 Years n - n
+
+5.2 Principal & Interest
+
+5.3 Mortgage Insurance
+
+5.4 Estimated Escrow
+
+Amount can increase over time
+
+5.5 Estimated Total
+Period Payment
+
+5.6 Estimated Taxes, Insurance
+ & Assessments
+
+Amount can increase over time
+See page 4 for details
+
+5.2.1 $ min
+5.2.2 $ max
+5.2.3 Only Interest
+
+5.3.1 + $
+
+5.4.1 + $
+
+5.5.1 $ min
+5.5.2 $ max
+
+5.6.1 $
+5.6.2 a period
+
+5.2.4 $ min
+5.2.5 $ max
+
+5.3.2 + $
+5.4.2 + $
diff --git a/chunks/txt/ae1cafb86951fb9beeceac87b41aee09f70b51b2865ab088b18b53f6ad29e8e5.txt b/chunks/txt/ae1cafb86951fb9beeceac87b41aee09f70b51b2865ab088b18b53f6ad29e8e5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..78f1440b12b1d544637100d858c33981031fdbf2
--- /dev/null
+++ b/chunks/txt/ae1cafb86951fb9beeceac87b41aee09f70b51b2865ab088b18b53f6ad29e8e5.txt
@@ -0,0 +1,8 @@
+---
+source_url: "https://singlefamily.fanniemae.com/delivering/uniform-mortgage-data-program/uniform-appraisal-dataset"
+date_accessed: "2026-01-27T17:46:10.624Z"
+---
+
+[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/ae22d17c0eee4b900a918d4bf9daf74ab76402a248819c8571bb4337d6c08f39.txt b/chunks/txt/ae22d17c0eee4b900a918d4bf9daf74ab76402a248819c8571bb4337d6c08f39.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ac8476c6ee573b84179f3347f83e840f09155cc3
--- /dev/null
+++ b/chunks/txt/ae22d17c0eee4b900a918d4bf9daf74ab76402a248819c8571bb4337d6c08f39.txt
@@ -0,0 +1,104 @@
+The primary purpose of Appendix F-3: Completion Report Reference Guide is to provide guidance on how to
+enter information and how the data will be displayed on the Completion Report.
+
+Appendix F-3: Completion Report Reference Guide
+
+Page 4 of 33
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Overview
+
+Overview
+
+The legacy form 1004D/442 was used for Appraisal Update and/or Completion. In the UAD redesign, the
+Completion Report and Restricted Appraisal Update Report are separate reports. This Reference Guide only
+addresses the Completion Report.
+
+Appraisal Update and/or Completion Report
+
+1004D
+
+442
+
+Legacy Form Name
+
+Fannie Mae Form
+
+Freddie Mac Form
+
+Completion Report Section Organization
+
+The Completion Report is a dynamic report with sections (black tabs) that vary based on information in the
+report. This table shows the sections of the Completion Report and when they display. For more information
+about a section, reference the appropriate chapter in this document.
+
+Section
+#
+
+Section Name
+(Black Tab)
+
+Always
+Displays
+
+When Section Displays
+
+01
+
+02
+
+03
+
+04
+
+05
+
+06
+
+07
+
+08
+
+09
+
+Subject Property
+
+Original Appraisal
+
+Itemized List of Repairs
+
+New Observed Items for Repair
+
+Completion Status
+
+Completion Report Commentary
+
+Completion Report Exhibits
+
+Assignment Information
+
+Certifications and Intended Use / User
+
+√
+
+√
+
+√
+
+√
+
+Table Column Headings
+
+When the original appraisal report lists required repairs
+
+When additional repairs were observed during the completion inspection
+
+When Original Market Value Condition (02.003) includes Subject to Completion Per
+Plans
+
+When applicable
+
+When applicable
diff --git a/chunks/txt/ae262f16139667575c2fe3574af1564b012faa2e18f88a3e7ee707e7e6ea3764.txt b/chunks/txt/ae262f16139667575c2fe3574af1564b012faa2e18f88a3e7ee707e7e6ea3764.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3abfcd2aa5966bc5ea226255f78612adf2a5cc24
--- /dev/null
+++ b/chunks/txt/ae262f16139667575c2fe3574af1564b012faa2e18f88a3e7ee707e7e6ea3764.txt
@@ -0,0 +1,37 @@
+Fair Rental Days on Schedule E of the most recently
+filed tax return must confirm the number of days
+that the rental property was in service, which must
+support the property being out of service for all or a
+portion of the year.
+
+the lender determines that some other situation
+warrants an exception to use a lease agreement,
+
+the lender must provide an explanation and justification in
+the loan file.
+
+If the borrower is converting a principal residence to an investment property, see Selling Guide B3-6-06, Qualifying Impact of
+Other Real Estate Owned, for guidance in using that rental income to qualify the borrower.
+
+Calculating Monthly Qualifying Rental Income (or Loss)
+
+Rental income must be calculated for each rental property. The amount of rental income that may be used to qualify may be
+restricted depending on whether the borrower currently has a housing payment and has a history of receiving rental income.
+
+A housing payment is the total monthly expense the borrower(s) is currently making for the primary residence occupied by the
+borrower(s).
+
+A housing payment can only include the following:
+
+• Rental housing payment,PITIA payment and/or leasehold payment for mortgaged properties, or
+• Property taxes and/or leasehold payments for non-mortgaged properties.
+
+See Selling Guide B3-6-01 General Information on Liabilities and B3-6-05 Monthly Debt Obligations.
+
+If not otherwise documented as one of the borrower’s existing liabilities, the lender must document the borrower’s housing
+payment. Documentation may include, but is not limited to:
+
+• direct verification of rent from a management company,
+• bank statements reflecting a payment to an organization or individual,
+•
+•
diff --git a/chunks/txt/ae27e5407787d2465417797c1ee5c7453a4b225057369901856d46944fa6aee4.txt b/chunks/txt/ae27e5407787d2465417797c1ee5c7453a4b225057369901856d46944fa6aee4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..27336b78c104852b3b9fe10fc5aeb496958f8400
--- /dev/null
+++ b/chunks/txt/ae27e5407787d2465417797c1ee5c7453a4b225057369901856d46944fa6aee4.txt
@@ -0,0 +1,84 @@
+2500.0058 ProjectCompletedIndicator
+
+Checkbox always displays.
+
+18.017 Subject Property Building Complete
+
+2500.0066 SubjectBuildingCompletedIndicator
+
+Checkbox displays when ProjectCompletedIndicator = "false".
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Report Label
+
+Report
+Field ID
+18.018 Converted in Past 3 Years
+
+18.019 Ground Rent
+
+18.020 Annual Amount
+
+18.021 Expires
+
+Project Information: General Information
+
+Unique ID MISMO Data Point Name
+
+Display Rules
+
+2500.0048 ProjectConversionIndicator
+
+Checkbox always displays.
+
+2500.0031 ProjectAnalysisGroundRentIndicator
+
+Display when PropertyInProjectIndicator = "true"
+
+2500.0028 ProjectAnalysisGroundRentAmount
+
+Display when ProjectAnalysisGroundRentIndicator = "true"
+
+2500.0030 ProjectAnalysisGroundRentExpirationDate
+
+Display when ProjectAnalysisGroundRentIndicator = "true"
+
+18.022 Description of Ground Rent
+
+2500.0029 ProjectAnalysisGroundRentDescription
+
+Display when ProjectAnalysisGroundRentIndicator = "true" AND exists
+
+Page 247
+
+Cooperative Information
+
+The Cooperative Information subsection displays when the property is a cooperative and there is blanket financing.
+
+• Condominium Cooperative Condop - ProjectLegalStructureType (UID: 2500.0168, FID: 18.002) = “Cooperative” AND
+
+ProjectBlanketFinancingIndicator (UID: 2500.0074, FID: 18.026) = “true”
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 248
+
+Report
+Field ID
+
+Report Label
+
+Unique ID MISMO Data Point Name
+
+Display Rules
+
+Project Information: Cooperative Information
+
+18.023
+
+Shares Issued and Outstanding
+
+2500.0075
+
+ProjectTotalSharesIssuedAndOutstandingCount
diff --git a/chunks/txt/ae27f92b942ab9ad7dd55b06c189e5b24317f81d4f429da32448e30e7fd9c878.txt b/chunks/txt/ae27f92b942ab9ad7dd55b06c189e5b24317f81d4f429da32448e30e7fd9c878.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8755790f8954d8618db4d17030fce6e44e25ca16
--- /dev/null
+++ b/chunks/txt/ae27f92b942ab9ad7dd55b06c189e5b24317f81d4f429da32448e30e7fd9c878.txt
@@ -0,0 +1,7 @@
+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. Fannie Mae and Freddie Mac Confidential Commercial Information; FOIA Exemption Requested.
+
+Appraiser Reference ID AA12345
+
+Client Reference ID 1234567
diff --git a/chunks/txt/ae2aa5415775dbdccf1d1497abcf4881734f2d822592a69f6c38ecc0447143ee.txt b/chunks/txt/ae2aa5415775dbdccf1d1497abcf4881734f2d822592a69f6c38ecc0447143ee.txt
new file mode 100644
index 0000000000000000000000000000000000000000..44cc19d82eeeb4263f7768ca30859ed4507c9fc4
--- /dev/null
+++ b/chunks/txt/ae2aa5415775dbdccf1d1497abcf4881734f2d822592a69f6c38ecc0447143ee.txt
@@ -0,0 +1,111 @@
+$ 2.3 Lender Company Name
+
+3.1 Loan Term Months
+3.2 Purpose (LoanPurposeType = “Refinance”)
+
+3.3 Product
+
+3.4 Loan Type
+
+Conventional
+ VA
+
+FHA
+
+3.5 Loan ID #
+3.6 MIC #
+
+.
+
+Loan Terms
+4.1 Loan Amount
+
+4.2 Interest Rate
+
+4.0
+4.1.1 $
+
+4.2.1 %
+
+Can this amount increase after closing? (Complete if “YES”)
+4.1.2 NO
+
+4.1.3
+
+4.2.2 NO/YES 4.2.3
+
+4.3 Period Principal & Interest
+
+4.3.1 $
+
+4.3.2 NO/YES 4.3.3
+
+See Projected Payments below for
+your Estimated Total Monthly Payment
+
+▪ Adjusts every n years starting in year n.
+▪ Can go as high as $ in year n.
+
+▪ Adjusts every n years starting in year n.
+▪ Can go as high as % in year n.
+▪ See AIR Table on page 4 for details.
+
+4.4 Prepayment Penalty
+
+4.5 Balloon Payment
+
+Projected Payments
+
+5.0
+
+Does the loan have these features?
+4.4.2 NO
+4.5.2 NO
+
+4.4.3
+4.5.3
+
+5.1 Payment Calculation
+
+5.1.1 Years 1 – n
+
+5.1.2 Years n – n
+
+5.1.3 Years n - n
+
+5.1.4 Years n - n
+
+5.2 Principal & Interest
+
+5.3 Mortgage Insurance
+
+5.4 Estimated Escrow
+
+Amount can increase over time
+
+5.5 Estimated Total
+Period Payment
+
+5.6 Estimated Taxes, Insurance
+ & Assessments
+
+Amount can increase over time
+See page 4 for details
+
+5.2.1 $ min
+5.2.2 $ max
+5.2.3
+
+5.3.1 + $
+
+5.4.1 + $
+
+5.5.1 $ min
+5.5.2 $ max
+
+5.6.1 $
+5.6.2 a period
+
+Costs at Closing
+
+6.1 Closing Costs
diff --git a/chunks/txt/ae2c599df2e5de39b7cd021700974bcdd32a3ae9af1cca7bbd4ae0c959417b2b.txt b/chunks/txt/ae2c599df2e5de39b7cd021700974bcdd32a3ae9af1cca7bbd4ae0c959417b2b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..90d5cb27fb6188341b87956d7ee0800ee4e77393
--- /dev/null
+++ b/chunks/txt/ae2c599df2e5de39b7cd021700974bcdd32a3ae9af1cca7bbd4ae0c959417b2b.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_123114.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/ae2d2aa86ea3503fa454f270ba61abb86444b8f5b881813d736b72c71aa6f1a0.txt b/chunks/txt/ae2d2aa86ea3503fa454f270ba61abb86444b8f5b881813d736b72c71aa6f1a0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5e6d4d05149e15e245374edf62e7c4be980a1dd3
--- /dev/null
+++ b/chunks/txt/ae2d2aa86ea3503fa454f270ba61abb86444b8f5b881813d736b72c71aa6f1a0.txt
@@ -0,0 +1,86 @@
+/VALUATION_RESPONSE/PROPERTY/LISTING_HISTORY[@Listed
+WithinPreviousYearIndicator=‘N’]
+
+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_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/@GSEDaysOnMarketDescription
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Subject Section
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Subject Section
+
+UAD Requirement - Refer to Appendix D Subject Section
+
+String
+
+Must provide a whole number or 'Unk' if not known.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+48
+
+90
+
+1
+
+1
+
+4
+
+One and only one of fields 1-32, 1-33, 1-34
+(Values of Appraisal Purpose Type) must be
+indicated.
+One and only one of fields 1-32, 1-33, 1-34
+(Values of Appraisal Purpose Type) must be
+indicated.
+One and only one of fields 1-32, 1-33, 1-34
+(Values of Appraisal Purpose Type) must be
+indicated.
+
+This field is required if field 1-34 (Appraisal
+Purpose Type = 'Other') is indicated.
+
+One and only one of fields 1-38, 1-39 (values of
+Listed Within Previous Year Indicator) must be
+indicated.
+
+One and only one of fields 1-38, 1-39 (values of
+Listed Within Previous Year Indicator) must be
+indicated.
+
+If field 1-38 is indicated, this field must be
+indicated.
+
+CR
+
+CR
+
+T
+
+T
+
+T
+
+T
+
+CR
+
+CR
+
+CR
+
+CR
diff --git a/chunks/txt/ae3344b6b27df8463a7e1716013f6d589457dea887adcb3c4d9c2bd926654a1d.txt b/chunks/txt/ae3344b6b27df8463a7e1716013f6d589457dea887adcb3c4d9c2bd926654a1d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..974edf72b546b7b6d68fcf877ac8e74d456050a2
--- /dev/null
+++ b/chunks/txt/ae3344b6b27df8463a7e1716013f6d589457dea887adcb3c4d9c2bd926654a1d.txt
@@ -0,0 +1,42 @@
+Appendix F-1: URAR Reference Guide
+
+Page 370 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Appendix 4: Detached Garage Examples
+
+Outbuilding – ADU/Workshop/Garage
+
+In this example, Outbuilding Type is selected as Other, and described as ADU/Workshop/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 + 500 sq. ft.
+
+unfinished workshop space = 1500 sq. ft.) regardless of usage.
+
+• Utilities are reported in the outbuilding Detail subsection.
+•
+
+In the Outbuilding Area table, the finished area is reported as 0 sq. ft., and the unfinished area is reported
+as 500 sq. ft. reflecting the area of the workshop. The Room Summary column is blank because there are no
+rooms outside of the ADU.
+
+o Area detail for the 2-car garage is reported in Vehicle Storage and not in the Outbuilding Area table.
+o The area and rooms for the ADU are reported as part of the Unit Interior section for the ADU, and
+
+not in the Outbuilding Area table.
+
+• Because the outbuilding includes an ADU, heating and cooling information is reported in the Mechanical
+
+System Details subsection, instead of the Detail subsection (checkboxes).
+
+Unit Interior – ADU/Workshop/Garage - ADU
+
+Notes:
+• Only the portions of Unit Interior that address areas and rooms for the ADU are included in this appendix.
+Reference the 10 Unit Interior chapter of this document for details on the reporting and display of this
+section.
+In this example, Outbuilding Type is selected as Other and described as ADU/Workshop/Garage, and Unit
+Identifier is ADU.
diff --git a/chunks/txt/ae4a94c20df851f85db34e230dd23a9fd0eb3fdb368ee355c6ffd7eb3de87542.txt b/chunks/txt/ae4a94c20df851f85db34e230dd23a9fd0eb3fdb368ee355c6ffd7eb3de87542.txt
new file mode 100644
index 0000000000000000000000000000000000000000..043f19be4f3de0489d60be8bc7fe947ab7abb07b
--- /dev/null
+++ b/chunks/txt/ae4a94c20df851f85db34e230dd23a9fd0eb3fdb368ee355c6ffd7eb3de87542.txt
@@ -0,0 +1,45 @@
+[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
+
+# Fact Sheets
+
+Concise and informative documents providing insights on FHFA's housing finance work, covering topics such as Agency overview, affordable housing, regulatory actions, market reports, and performance of the Enterprises.
+
+## Breadcrumb
+
+- [Home](/)
+ - [News](/news)
+ - Fact Sheets
+
+- [News Releases](/news/news-release)
+ - [Speeches](/news/speech)
+ - [Statements](/news/statement)
+ - [Testimonies](/news/testimony)
+ - [Fact Sheets](/news/fact-sheet)
diff --git a/chunks/txt/ae5f88d9cf6d93307bb7dcac3175531dcdd24ff6de7aff5e2d0c83add632c571.txt b/chunks/txt/ae5f88d9cf6d93307bb7dcac3175531dcdd24ff6de7aff5e2d0c83add632c571.txt
new file mode 100644
index 0000000000000000000000000000000000000000..78879394fa095b4a5211ecd520365496be526242
--- /dev/null
+++ b/chunks/txt/ae5f88d9cf6d93307bb7dcac3175531dcdd24ff6de7aff5e2d0c83add632c571.txt
@@ -0,0 +1,55 @@
+Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF)
+Version History
+
+Updated: February 4, 2025
+
+The purpose of this document is to provide the UAD appraisal-level PUF users with information on
+data file version history. Table 1 provides the release version name, release date, and notes
+highlighting any updates to the data elements and file formats.
+
+Table 1: UAD Appraisal-Level Public Use File (PUF) Version History
+
+Version
+Name
+V1.0
+
+Release
+Date
+10/16/2023
+
+V1.1
+
+4/12/2024
+
+Notes
+
+ First-ever public release of the Uniform Appraisal Dataset (UAD)
+
+appraisal-level data collected through Uniform Residential
+Appraisal Report (URAR).
+
+ Nationally representative 5 percent random sample of 1-unit
+
+single-family appraisal records of mortgages acquired by Fannie
+Mae and Freddie Mac (the Enterprises) that required traditional
+appraisals.
+
+ Appraisals from 2013 to 2021.
+ 1.37 million records.
+ 37 selected data fields.
+ Race and ethnicity of borrowers obtained from the Enterprises'
+mortgage documents associated with the UAD records were
+included.
+
+ Data in CSV, R, SAS, and Stata formats.
+ Updated approximately 5 percent of the PUF records where
+
+coverage for the “Number of Comps Used” data field (field name:
+number_comparables) was expanded to include all comparable
+properties instead of only those with proper geocodes. This
+aligned the UAD PUF with the corresponding data field reported
+in the UAD Aggregate Statistics.
+
+ Data dictionary was updated with this information. This resulted
+in the recategorization of the bin in the “Number of Comps
+Used” data field from "1-3" to "3".
diff --git a/chunks/txt/ae6266890c78710ca63caef1d873409df3c8d8b75e4cddef2a191740d717b575.txt b/chunks/txt/ae6266890c78710ca63caef1d873409df3c8d8b75e4cddef2a191740d717b575.txt
new file mode 100644
index 0000000000000000000000000000000000000000..08d310967a628fd964f5c046f8fd94edf8afd7c9
--- /dev/null
+++ b/chunks/txt/ae6266890c78710ca63caef1d873409df3c8d8b75e4cddef2a191740d717b575.txt
@@ -0,0 +1,91 @@
+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
+
+$770,000
+08/20/2019
+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
+
+Sales contract is a reasonable and a typical arm’s length sale. A fully executed copy of the contract was provided by the lender and analyzed by
+the appraiser.
+
+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
+01/24/2013
+
+Amount
+$600,000
+
+Data Source
+MLS
+
+Analysis of Prior Sale and Transfer History of Subject Property The following improvements have occurred since the prior sale of the
+subject: kitchen, full bath and half bath on the 1st floor have been remodeled, the exterior was recently painted, and new windows, shutters
+and doors were installed.
+
+Comparable Transfer History
+
+Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)
+#
+1
+
+Transfer Terms
+Typically Motivated
+
+Data Source
+MLS
+
+Date
+02/23/2015
+
+Amount
+$677,250
+
+2
+
+3
+
+None
+
+Typically Motivated
+
+07/17/2016
+
+$485,000
+
+MLS
+
+MLS
+
+Analysis of Prior Sale and Transfer History of Comparable Sales Comp#1: Kitchen and Bathrooms have been upgraded and updated since
+the last sale. Comp#3: Kitchen and Bathrooms have been upgraded and updated since the last sale.
diff --git a/chunks/txt/ae66b3a0a1ab9e168b73f88552c96caa5dc8a6d032a7703a1d1365edfc4b8ff6.txt b/chunks/txt/ae66b3a0a1ab9e168b73f88552c96caa5dc8a6d032a7703a1d1365edfc4b8ff6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..291344d73032fa0227853cf64f7bda98e8f423c1
--- /dev/null
+++ b/chunks/txt/ae66b3a0a1ab9e168b73f88552c96caa5dc8a6d032a7703a1d1365edfc4b8ff6.txt
@@ -0,0 +1,27 @@
+Time adjustments should be supported by other comparables (such as sales, contracts) whenever possible; however, in all
+instances the appraiser must provide an explanation for the time adjustment in the appraisal report.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 100 of 166
+
+UAD 3.6 Policy
+
+The appraiser should provide the date of the sales contract and the settlement or closing date for each comparable sale. If the
+contract date is unavailable to the appraiser in the normal course of business, the appraiser must enter unknown in place of the
+contract date.
+
+Appraiser’s Comments and Indicated Value in the Sales Comparison Approach
+
+The appraiser must provide fact-based and objective comment(s) that detail the work performed and data sources utilized for the
+market supported adjustments. A statement only recognizing that an adjustment has been made is not acceptable. When
+appropriate, the appraiser’s analysis should also include fact-based comments about a current contract, offering, or listing for the
+subject or comparable sales, current ownership, and recent prior sales or transfers. Additionally, the appraiser’s comments must
+reconcile the adjusted (or indicated) values for the comparable sales and identify why the sale(s) were given the most weight, less
+weight, or no weight in developing the indicated value for the subject property. It should be noted that the indicated value in the
+Sales Comparison Approach must be within the range of the adjusted sales price of the comparables identified in the appraisal
+report.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 101 of 166
diff --git a/chunks/txt/ae8687c48e79d8ae4216962701ef2630d50c95fd704c71ad69db68c0a96035f2.txt b/chunks/txt/ae8687c48e79d8ae4216962701ef2630d50c95fd704c71ad69db68c0a96035f2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..88383d5a80891583c033094c2d88890323e5b32d
--- /dev/null
+++ b/chunks/txt/ae8687c48e79d8ae4216962701ef2630d50c95fd704c71ad69db68c0a96035f2.txt
@@ -0,0 +1,135 @@
+UAD Instruction - Refer to Appendix D Subject Section
+Should be in a four digit year format.
+
+Data Format:
+yyyy
+
+The form field 1-17 (GSE Property Tax
+Total Tax Amount) is greater than 0.
+
+Money
+
+UAD Instruction - Refer to Appendix D Subject Section
+Whole dollars only.
+
+UAD Requirement - Refer to Appendix D Subject Section
+This data is referenced more than once on the form (fields 1-18, 3-13) and must be
+represented consistently to the extent the available space permits.
+
+The legal phase number of the subject unit.
+
+This data is referenced more than once on the form (fields 1-19, 3-14), and should be
+represented consistently.
+
+String
+
+String
+
+String
+
+String
+
+R
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+R
+
+T
+
+T
+
+T
+
+Enumerated
+
+UAD Requirement - Refer to Appendix D Subject Section
+
+Enumerated
+
+UAD Requirement - Refer to Appendix D Subject Section
+
+One and only one of fields 1-22, 1-23, 1-24
+(values of Property Current Occupancy
+Type) must be indicated.
+One and only one of fields 1-22, 1-23, 1-24
+(values of Property Current Occupancy
+Type) must be indicated.
+
+CR
+
+CR
+
+Form FNM 1075 FRE 466
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 129 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
+
+Enumerated
+
+UAD Requirement - Refer to Appendix D Subject Section
+
+One and only one of fields 1-22, 1-23, 1-24
+(values of Property Current Occupancy
+Type) must be indicated.
+
+25
+
+26
+
+27
+
+28
+
+29
+
+30
+
+31
+
+32
diff --git a/chunks/txt/ae90af2c017d035b67fdad9112ee5469023f157511b13819b993fb521d0e9920.txt b/chunks/txt/ae90af2c017d035b67fdad9112ee5469023f157511b13819b993fb521d0e9920.txt
new file mode 100644
index 0000000000000000000000000000000000000000..137ac82404031bdb3bc3ad39b00a06666ba0b491
--- /dev/null
+++ b/chunks/txt/ae90af2c017d035b67fdad9112ee5469023f157511b13819b993fb521d0e9920.txt
@@ -0,0 +1,29 @@
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+32
+
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+33
+
+MESSAGEABOUT_VERSIONSMISMOReferenceModelIdentifier (attribute)DEAL_SETSPARTYABOUT_VERSIONPARTIESData PointsContainersLegend:XML ContentCreatedDatetimeROLESROLEROLE_DETAILPARTY_ROLE_IDENTIFIERSPARTY_ROLE_IDENTIFIERPartyRoleIdentifierPartyRoleTypeDEAL_SETDEALSDEALLOANSLOANLOAN_DETAILApplicationReceivedDateORIGINATION_SYSTEMSORIGINATION_SYSTEMLoanOriginationSystemNameLoanOriginationSystemVendorIdentifierLoanOriginationSystemVersionIdentifier
+
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+34
+
+MESSAGEDEAL_SETSDEALSDEAL_SETData PointsContainersLegend:Form HeaderDEALLOANSLOANLOAN_IDENTIFIERSLOAN_IDENTIFIERLoanIdentifierTypeLoanIdentifierAutomatedUnderwritingCaseIdentifierUNDERWRITINGAUTOMATED_UNDERWRITINGSAUTOMATED_UNDERWRITING
+
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+35
+
+Data PointsContainersLegend:1a. Personal InformationDEALLOANSLOANLOAN_DETAILBorrowerCountAddressTypeAddressLineTextAddressUnitIdentifierCityNameStateCodePostalCodeCountryCodePARTIESPARTYADDRESSESADDRESSINDIVIDUALNAMELastNameFirstNameMiddleNameSuffixNameALIASESALIASNAMELastNameFirstNameMiddleNameSuffixNameCONTACT_POINTSCONTACT_POINTCONTACT_POINT_DETAILContactPointRoleTypeCONTACT_POINT_EMAILContactPointEmailValueCONTACT_POINT_TELEPHONEContactPointTelephoneValueContactPointTelephoneExtensionValueGOVERNMENT_LOANVABorrowerCoBorrowerMarriedIndicatorHOUSING_EXPENSESHOUSING_EXPENSE_SUMMARYHousingExpensePresentTotalMonthlyPaymentAmountLANGUAGESLANGUAGELanguageCodeEXTENSIONOTHERULAD:LANGUAGE_EXTENSIONULAD:LanguageCodeOtherDescriptionULAD:LanguageRefusalIndicator
diff --git a/chunks/txt/ae926ea84aa2aea9c80def70b8d7b90dd99fc6e4f0f2476da443c635fd9f17d5.txt b/chunks/txt/ae926ea84aa2aea9c80def70b8d7b90dd99fc6e4f0f2476da443c635fd9f17d5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ed3ab177002873d1493ed2c4eb1e731d25f4d631
--- /dev/null
+++ b/chunks/txt/ae926ea84aa2aea9c80def70b8d7b90dd99fc6e4f0f2476da443c635fd9f17d5.txt
@@ -0,0 +1,9 @@
+Provide UID 1.012 Unparsed Legal Description along with UID 1.011 Postal Code.
+
+**34. What UCD values for ConstructionMethodType do we use in our AUS (automated underwriting system)?**
+
+The MISMO versions supporting our AUSs, UCD and ULDD accommodate a single ConstructionMethodType per property. The following table provides a mapping from the value reported from the Uniform Appraisal Dataset (UAD) to these datasets when a single ConstructionMethodType is identified.
+
+**Single Value Reported in UAD** **Report This Value In** **DU and LPA** **UCD** **ULDD** Manufactured Manufactured Manufactured Manufactured OnFrameModular SiteBuilt SiteBuilt SiteBuilt Modular SiteBuilt SiteBuilt SiteBuilt SiteBuilt SiteBuilt SiteBuilt SiteBuilt Container SiteBuilt Container Container ThreeDimensionalPrintingTechnology SiteBuilt ThreeDimensionalPrintingTechnology ThreeDimensionalPrintingTechnology When UAD reports multiple ConstructionMethodTypes the following table provides the mapping to the AUSs UCD and ULDD:
+
+**Multiple Values Reported in UAD** **Report This Value In** **DU and LPA** **UCD** **ULDD** Manufactured and SiteBuilt Manufactured Manufactured Manufactured Manufactured and OnFrameModular Manufactured Manufactured Manufactured Manufactured and Modular Manufactured Manufactured Manufactured Manufactured and Container Manufactured Manufactured Manufactured Manufactured and ThreeDimensionalPrintingTechnology Manufactured Manufactured Manufactured SiteBuilt and OnFrameModular SiteBuilt SiteBuilt SiteBuilt SiteBuilt and Modular SiteBuilt SiteBuilt SiteBuilt SiteBuilt and Container SiteBuilt SiteBuilt SiteBuilt SiteBuilt and ThreeDimensionalPrintingTechnology SiteBuilt SiteBuilt SiteBuilt 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 SiteBuilt SiteBuilt Container and ThreeDimensionalPrintingTechnology SiteBuilt SiteBuilt SiteBuilt **35. How can I reflect a simultaneous second loan in the UCD XML file?**
diff --git a/chunks/txt/aea0c9937da4e1f887e231793923a6de6c22ea33d97c6958065cce2c0997d341.txt b/chunks/txt/aea0c9937da4e1f887e231793923a6de6c22ea33d97c6958065cce2c0997d341.txt
new file mode 100644
index 0000000000000000000000000000000000000000..19409e1161339530153fd17ced8e401f9c7468a6
--- /dev/null
+++ b/chunks/txt/aea0c9937da4e1f887e231793923a6de6c22ea33d97c6958065cce2c0997d341.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 LN1265431Client Reference ID 456-B124Appraisal Version #1Fannie Mae | Freddie Mac September 2024Single Family Scenario 2 (SF2)
+
+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/aebe67a0a21c9e7dc5a1cd574d92ced046223df062e0b76940039bd1bcf28fd2.txt b/chunks/txt/aebe67a0a21c9e7dc5a1cd574d92ced046223df062e0b76940039bd1bcf28fd2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1c485dd6377696527f2593ea4f23142b04fa48c4
--- /dev/null
+++ b/chunks/txt/aebe67a0a21c9e7dc5a1cd574d92ced046223df062e0b76940039bd1bcf28fd2.txt
@@ -0,0 +1,135 @@
+Quality
+
+Condition
+
+Q3
+
+C3
+
+Q3
+
+C3
+
+Q3
+
+C3
+
+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 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 2024Single Family Scenario 2 (SF2)
diff --git a/chunks/txt/aeecb578a5aae7230d36e8e3e79fe6080cad02f19c020e65fd535aafcd6f60cd.txt b/chunks/txt/aeecb578a5aae7230d36e8e3e79fe6080cad02f19c020e65fd535aafcd6f60cd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..675381f76e54aa7710f9b3d0d2a9347b27563aba
--- /dev/null
+++ b/chunks/txt/aeecb578a5aae7230d36e8e3e79fe6080cad02f19c020e65fd535aafcd6f60cd.txt
@@ -0,0 +1,5 @@
+Approaches to Value (H1) ................................................................................................................................... 73
+
+Appraisal Summary (H1) ..................................................................................................................................... 74
+
+Client Requested Conditions (H1) ....................................................................................................................... 74
diff --git a/chunks/txt/aef47049d2f10e0ab4e8b2ed637ed3145032950d44761f0c69ecb95c940949ca.txt b/chunks/txt/aef47049d2f10e0ab4e8b2ed637ed3145032950d44761f0c69ecb95c940949ca.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dbed9d10c5d51e978a4015889ccb4bc59f0dc1e0
--- /dev/null
+++ b/chunks/txt/aef47049d2f10e0ab4e8b2ed637ed3145032950d44761f0c69ecb95c940949ca.txt
@@ -0,0 +1,21 @@
+(cid:23)(cid:17)(cid:20)(cid:19)(cid:19)(cid:17)(cid:20)(cid:3)(cid:95)(cid:3)(cid:23)(cid:17)(cid:20)(cid:19)(cid:19)(cid:17)(cid:21)
+
+Appraisal Version #
+
+(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:21)
+
+(cid:39)(cid:66)(cid:79)(cid:79)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:70)(cid:1)(cid:93)(cid:1)(cid:39)(cid:83)(cid:70)(cid:69)(cid:69)(cid:74)(cid:70)(cid:1)(cid:46)(cid:66)(cid:68)
+(cid:52)(cid:70)(cid:81)(cid:85)(cid:70)(cid:78)(cid:67)(cid:70)(cid:83)(cid:1)(cid:19)(cid:17)(cid:19)(cid:21)
+
+(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:22)
+(cid:43)(cid:41)(cid:17)(cid:19)(cid:19)(cid:23)
+
+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/aef9ecd28af0326cd4098fc5b43ba56e450d922490a2c66312f0224302013091.txt b/chunks/txt/aef9ecd28af0326cd4098fc5b43ba56e450d922490a2c66312f0224302013091.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d61cef612613a648bb7fb9ce14b2247bac3da647
--- /dev/null
+++ b/chunks/txt/aef9ecd28af0326cd4098fc5b43ba56e450d922490a2c66312f0224302013091.txt
@@ -0,0 +1,139 @@
+Data Field
+Conditionality 1073
+Desktop/465D
+
+276
+
+2
+
+74
+
+UNIT
+DESCRIPTION
+
+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']
+
+7
+
+Enumerated
+
+A separate car storage location element must be populated for each box that is checked.
+
+277
+
+2
+
+75
+
+UNIT
+DESCRIPTION
+
+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']
+
+278
+
+279
+
+280
+
+281
+
+282
+
+2
+
+2
+
+2
+
+2
+
+2
+
+76
+
+77
+
+78
+
+79
+
+80
+
+UNIT
+DESCRIPTION
+
+# 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/@Pa
+rkingSpacesCount
+
+UNIT
+DESCRIPTION
+
+Car Storage
+Assigned
+
+UNIT
+DESCRIPTION
+
+Car Storage
+Owned
+
+UNIT
+DESCRIPTION
+
+Parking Space #
+
+Parking Space
+Assignment Type
+
+Parking Space
+Assignment Type
+
+Parking Space
+Identifier
+
+Specifies the type of arrangement between
+the project and the assigned car storage
+for the subject unit.
+Specifies the type of arrangement between
+the project and the assigned car storage
+for the subject unit.
+The identification of the parking space or
+spaces assigned to the subject unit (e.g.,
+space numbers).
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE[@Pa
+rkingSpaceAssignmentType='Assigned']
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/CAR_STORAGE[@Pa
+rkingSpaceAssignmentType='Owned']
diff --git a/chunks/txt/af05a15b1c1dd33387bc41549e0b097e580373430b024edf7dd2eb6fd0b118a6.txt b/chunks/txt/af05a15b1c1dd33387bc41549e0b097e580373430b024edf7dd2eb6fd0b118a6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..58aabe6173c853078018728533ec2b6185babdf1
--- /dev/null
+++ b/chunks/txt/af05a15b1c1dd33387bc41549e0b097e580373430b024edf7dd2eb6fd0b118a6.txt
@@ -0,0 +1,49 @@
+•
+•
+• HOA still in the developer’s control.
+
+Detached condo project
+
+A project comprised solely of detached units or that comprises a mixture of attached
+and detached units and may be a new or established project.
+
+Two- to four-unit condo project
+
+A project comprised of two, three, or four residential units in which each unit is
+evidenced by its own title and deed. A two- to four-unit condo project may be either a
+new or established project and may be comprised of attached and/or detached units.
+
+Manufactured home project
+
+A project consisting partially or solely of manufactured homes.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 130 of 166
+
+UAD 3.6 Policy
+
+Project Type
+
+Identification Criteria
+
+Co-op project
+
+A project in which a corporation or trust holds title to the property and sells shares of
+stock representing the value of a single apartment unit to individuals who, in turn,
+receive a proprietary lease as evidence of title.
+
+Planned unit development
+(PUD) project
+
+A project or subdivision that consists of common property and improvements that are
+owned and maintained by an HOA for the benefit and use of the individual PUD unit
+owners. The unit owners in the project have title to a residential property (lot and
+structure) and an interest in the HOA that owns or manages the common area and
+facilities of the PUD.
+
+See Selling Guide B4-2.3-01, Eligibility Requirements for Units in PUD Projects, for
+additional detail used in determining whether a project is new or established and
+subject to Fannie Mae’s PUD eligibility requirements.
+
+Horizontal Property Regimes
diff --git a/chunks/txt/af06f7e3b3716be18893d7cea5df181f2ccb0b26b90f42906d282a0ed9b880ec.txt b/chunks/txt/af06f7e3b3716be18893d7cea5df181f2ccb0b26b90f42906d282a0ed9b880ec.txt
new file mode 100644
index 0000000000000000000000000000000000000000..194817927ccb28b56002d1a377dab2b74682b45d
--- /dev/null
+++ b/chunks/txt/af06f7e3b3716be18893d7cea5df181f2ccb0b26b90f42906d282a0ed9b880ec.txt
@@ -0,0 +1,94 @@
+5. Sample Design, Weighting, and Variance Estimation
+
+5a. Sample Design
+
+As mentioned in Section 4a, FHFA used sampling as one of the disclosure avoidance methods to reduce
+potential re-identification of borrowers, property addresses, and appraisers. To achieve the objectives
+described in Section 4a, FHFA elected to use a stratified simple random sample approach. FHFA drew a
+nationally representative simple random sample of five percent of all eligible appraisal records by year.
+FHFA determined that an annual sample of five percent of appraisal records balanced the need for re-
+identification reduction while maintaining adequate statistical power for numerous types of uses.
+
+The following tables show the total number of appraisal records eligible for the sample, and the total
+sample size, separately for the Enterprise UAD and FHA UAD.
+
+Enterprise UAD
+
+Year
+
+2013
+2014
+2015
+2016
+2017
+2018
+2019
+2020
+2021
+2022
+
+Total Number of
+Records Eligible for the
+Sample
+2,925,075
+2,254,965
+2,837,935
+3,413,860
+2,781,566
+2,493,532
+3,065,096
+4,667,551
+4,288,470
+2,175,025
+
+Total Sample Size
+
+137,670
+105,930
+135,232
+164,546
+132,930
+118,807
+147,432
+227,356
+207,741
+104,224
+
+7 High-cost areas are defined as part of the FHFA Conforming Loan Limits regulations.
+https://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limit.aspx
+
+Federal Housing Finance Agency
+
+7
+
+UAD PUF Version 2.1 Data Documentation
+
+FHA UAD
+
+Year
+
+2017
+2018
+2019
+2020
+2021
+2022
+
+Total Number of Records
+Eligible for the Sample
+
+Total Sample Size
+
+1,004,064
+898,696
+994,524
+978,793
+954,783
+779,946
+
+47,320
+42,476
+47,499
+46,707
+45,383
+37,089
diff --git a/chunks/txt/af230905a29b0658b52996292d8548e0fe0f83c8d451de4fd96b78d5023698e4.txt b/chunks/txt/af230905a29b0658b52996292d8548e0fe0f83c8d451de4fd96b78d5023698e4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3e0657cb98a1cd7dc1edcfb2975ebb18a982afb9
--- /dev/null
+++ b/chunks/txt/af230905a29b0658b52996292d8548e0fe0f83c8d451de4fd96b78d5023698e4.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/news/testimony"
+date_accessed: "2026-01-27T17:47:50.492Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/af416d215c6b38dda38cfb08fe76573f2242b2fe05cc095887e4b317bbee53ef.txt b/chunks/txt/af416d215c6b38dda38cfb08fe76573f2242b2fe05cc095887e4b317bbee53ef.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c45d464f964db97df0152a3207ea22d6930199d2
--- /dev/null
+++ b/chunks/txt/af416d215c6b38dda38cfb08fe76573f2242b2fe05cc095887e4b317bbee53ef.txt
@@ -0,0 +1,31 @@
+Defect, Damage, or Deficiency
+
+The appraiser must report any significant items and associate any defect, damage, or deficiency with the most appropriate
+section of the Uniform Residential Appraisal Report (URAR). These items have at least one of the following characteristics
+
+• Rise to the level of recommending repair, replacement, or inspection by an individual with expertise in the specific field,
+• Negatively affect the integrity / composition of the site itself,
+• Negatively affect the soundness or structural integrity of the improvements,
+• Measurably impact the marketability or value of the property, or
+• Require completion.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 90 of 166
+
+UAD 3.6 Policy
+
+The appraisal report must identify and describe physical deficiencies that could affect a property’s soundness or structural
+integrity. If the appraiser has identified any of these deficiencies, the property must be appraised "subject to" completion of the
+specific repairs or alterations. In instances related to the dwelling(s), the dwelling condition and quality ratings must reflect the
+condition and quality of the dwelling based on the hypothetical condition that the repairs or alterations have been completed. All
+items affecting soundness and structural integrity must be identified in the Defects, Damages, Deficiencies table(s) of the
+appropriate section.
+
+If the appraiser is not qualified to evaluate the alterations or repairs, the appraisal must note the deficiencies and be completed
+"subject to" a satisfactory inspection by a qualified professional. The lender must decide if the inspection(s) is required and
+whether the property meets eligibility requirements. If the property does not meet eligibility requirements, the lender must
+provide satisfactory evidence that the condition has been corrected or repaired prior to loan delivery. In this case, the appraiser is
+not required to review the professionally prepared report, re-inspect the property, or provide a Completion Report. The lender
+must document the decision and rationale in the loan file. See SB4-1.4-08, Apparent Environmental Conditions, for properties
+affected by environmental hazards.
diff --git a/chunks/txt/af44c0b4313b8ac8764cefb3a095823c1c8c0a5082679c981dad35f85045e872.txt b/chunks/txt/af44c0b4313b8ac8764cefb3a095823c1c8c0a5082679c981dad35f85045e872.txt
new file mode 100644
index 0000000000000000000000000000000000000000..407a5d8093cde981e0ef273fae415c6c17ebf2e9
--- /dev/null
+++ b/chunks/txt/af44c0b4313b8ac8764cefb3a095823c1c8c0a5082679c981dad35f85045e872.txt
@@ -0,0 +1,81 @@
+0800.0031
+
+RELATIONSHIP
+
+@xlink:arcrole
+
+urn:fdc:mismo.org:2009:residential/DATA_SOURCE_IsDataSourceFor_PriorSalesOrTransfersIndicator
+
+0800.0032
+
+RELATIONSHIP
+
+@xlink:from
+
+DATA_SOURCE_n
+
+0800.0033
+
+RELATIONSHIP
+
+@xlink:to
+
+PriorSalesOrTransfersIndicator_n
+
+0700.0124
+
+DATA_SOURCE
+
+@xlink:label
+
+DATA_SOURCE_n
+
+1800.0198
+
+PROPERTY_DETAIL
+
+@xlink:label
+
+PriorSalesOrTransfersIndicator_n
+
+Refer to the section Arcrole/Data Relationships in the MISMO XML Version 3.6 chapter for additional information.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+22 Sales Comparison Approach
+
+Page 275
+
+The Sales Comparison Approach section captures a market analysis of the subject property via a grid of comparable transactions (comps) and
+their characteristics. The “sales grid” (or “sales comparison grid”) displays a summary of the evidence in support of the appraiser's opinion of
+value in the form of market-driven adjustments for differences in characteristics. The section provides space for exhibits.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+The Sales Comparison Approach section is dynamic and may include some or all the following subsections:
+
+Page 276
+
+• 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)
diff --git a/chunks/txt/af46754f6150052bac3719fec20545fec7265236a361c64051e3bfb24f5ea579.txt b/chunks/txt/af46754f6150052bac3719fec20545fec7265236a361c64051e3bfb24f5ea579.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5f197dcb4b61b070f7686d04be4617beb068f5c0
--- /dev/null
+++ b/chunks/txt/af46754f6150052bac3719fec20545fec7265236a361c64051e3bfb24f5ea579.txt
@@ -0,0 +1,68 @@
+12.0: Reg §1026.38(j)(2) pp. 80125, 80357-8, 80022-23.
+
+Appendix E: UCD Implementation Guide
+
+Page 162 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+11.0 – 16.0 Summaries of Transactions - UPDATED
+
+13.0: Reg §1026.38(j)(3) pp. 80125-6, 80358, 80023.
+
+SELLER’S TRANSACTION: Reg §1026.38(k) pp. 80126, 80358, 80023-24; 38(k)(4) pp. 80126, 80025.
+
+14.0: Reg §1026.38(k)(1) pp. 80126, 80024.
+
+15.0: Reg §1026.38(k)(2) pp. 80126, 80358, 80024-25.
+
+16.0: Reg §1026.38(k)(3) pp. 80126, 80025.
+
+Appendix E: UCD Implementation Guide
+
+Page 163 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+11.0 K. Due from Borrower at Closing
+
+11.0 K. DUE FROM BORROWER AT CLOSING
+
+Section K includes the Sale Price of the Property, the Sale Price of Any Personal Property Included in the Sale,
+the subtotal of the Closing Costs the Borrower is paying at closing, miscellaneous closing Adjustment items, and
+Adjustments for Items Paid by Seller in Advance.
+
+Summaries of Transactions
+BORROWER’S TRANSACTION (11.0 – 13.0)
+
+11.0 K. Due from Borrower at Closing
+
+0111.1 Sale Price of Property
+
+11.0.1
+
+11.1.1
+
+$252,347.30
+$240,000.00
+
+0211.2 Sale Price of Any Personal Property Included in Sale 11.2.1
+
+0311.3 Closing Costs Paid at Closing (J)
+
+0411.4 Credit Card Balance to Finance Bank
+
+11.5 Adjustments
+
+05 Tenant Security Deposit
+
+06 $500 Principal Reduction for exceeding legal limits
+P.O.C. Lender
+
+Adjustments for Items Paid by Seller in Advance
+
+0811.6 City/Town Taxes 4/15/14 to 4/30/14
diff --git a/chunks/txt/af59ca94e28c7a19cbf631e6d736f4908f13c8cc9d68889b6fa9744e429e9863.txt b/chunks/txt/af59ca94e28c7a19cbf631e6d736f4908f13c8cc9d68889b6fa9744e429e9863.txt
new file mode 100644
index 0000000000000000000000000000000000000000..429e006d21d55ccffc66127f4e6953754848780b
--- /dev/null
+++ b/chunks/txt/af59ca94e28c7a19cbf631e6d736f4908f13c8cc9d68889b6fa9744e429e9863.txt
@@ -0,0 +1,208 @@
+CR
+
+CR
+
+T
+
+R
+
+CR
+
+CR
+
+T
+
+R
+
+CR
+
+CR
+
+T
+
+R
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+T
+
+T
+
+T
+
+T
+
+CR
+
+CR
+
+CR
+
+CR
+
+R
+
+T
+
+T
+
+T
+
+T
+
+T
+
+CR
+
+CR
+
+CR
+
+CR
+
+R
+
+T
+
+T
+
+T
+
+T
+
+T
+
+CR
+
+CR
+
+CR
+
+CR
+
+R
+
+T
+
+39
+
+SUBJECT
+
+40
+
+SUBJECT
+
+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 the appraisal?
+Yes
+
+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 the appraisal?
+No
+
+Listed Within
+Previous Year
+Indicator
+
+Listed Within
+Previous Year
+Indicator
+
+Indicates that the property has been listed
+within the previous twelve (12) months.
+
+/VALUATION_RESPONSE/PROPERTY/LISTING_HISTORY[@ListedWithinP
+reviousYearIndicator=‘Y’]
+
+Indicates that the property has been listed
+within the previous twelve (12) months.
+
+/VALUATION_RESPONSE/PROPERTY/LISTING_HISTORY[@ListedWithinP
+reviousYearIndicator=‘N’]
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Subject Section
+
+One and only one of fields 1-39, 1-40
+(values of Listed Within Previous Year
+Indicator) must be indicated.
+
+CR
+
+CR
+
+CR
+
+Boolean
+
+UAD Requirement - Refer to Appendix D Subject Section
+
+One and only one of fields 1-39, 1-40
+(values of Listed Within Previous Year
+Indicator) must be indicated.
+
+CR
+
+CR
+
+CR
+
+48
+
+90
+
+1
+
+1
+
+Form FNM 1073 FRE 465
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 83 of 211
+
+Document Version 1.4
+
+Sort ID
+
+Form
+Page
+
+Form
+Reference
+Number
+
+Form Section
+
+Form Field Label
+
+Data Point Name
+
+Data Point Definition
+
+XPath
+
+Data Point Field
+Length
+
+Format
+
+Implementation Notes
+
+Conditionality Description
diff --git a/chunks/txt/af6877b6ecf0c63814e10956fdad672622a220154143f29cd1c29fa02a17cdec.txt b/chunks/txt/af6877b6ecf0c63814e10956fdad672622a220154143f29cd1c29fa02a17cdec.txt
new file mode 100644
index 0000000000000000000000000000000000000000..807ad89e71b0a75ecd6e973b52c5d59d96b7df7f
--- /dev/null
+++ b/chunks/txt/af6877b6ecf0c63814e10956fdad672622a220154143f29cd1c29fa02a17cdec.txt
@@ -0,0 +1,14 @@
+[]()
+
+- [Home](/)
+ - Servicing Management Default Underwriter (SMDU)
+
+Applications & Technology
+
+# Servicing Management Default Underwriter (SMDU)
+
+Servicing Management Default Underwriter™ (SMDU™) is an industry leading, multi-prong application used by servicers for loss mitigation evaluation and case reporting activities as well as for evaluating a borrower’s request to terminate conventional mortgage insurance. ​With a variety of business functionalities within one SMDU application, servicers benefit from operational efficiencies, saving time and money, reducing risks, and enhancing service to homeowners.
+
+- **SMDU: Loss Mitigation:** SMDU streamlines workout decisioning and case reporting to Fannie Mae, allowing you to easily make real-time workout decisions with confidence and offer the best solution to struggling homeowners. ​*Available via SMDU User Interface (UI) and/or via B2B integration to SMDU. ​*
+- **SMDU: Loss Mitigation Valuations:** SMDU simplifies the process of ordering a property’s Automated Valuation Model (AVM) estimated value and confidence score for loan modifications and Mortgage Release™ as well as ordering, managing, and retrieving the results of a loss mitigation valuation request for a Charge-off, Mortgage Release, Reserve Price Bid Instructions or Short Sale. ​ *AVM ordering available only via SMDU User Interface (UI); Valuation ordering and management available via SMDU UI and API.​​*
+- **SMDU: Borrower-Initiated Request to Terminate Mortgage Insurance:** SMDU makes it easy to evaluate borrower requests to terminate conventional mortgage insurance based on the Original Value and/or Current Value of the property.​ *Available via SMDU User Interface (UI) and APIs.*
diff --git a/chunks/txt/af76b05fbaf22eee8ed610cfc92e87dbf7b7f046203eaf83c2362706c8d20613.txt b/chunks/txt/af76b05fbaf22eee8ed610cfc92e87dbf7b7f046203eaf83c2362706c8d20613.txt
new file mode 100644
index 0000000000000000000000000000000000000000..32d0b0d27d642f251cada908715e57aa2c1637b2
--- /dev/null
+++ b/chunks/txt/af76b05fbaf22eee8ed610cfc92e87dbf7b7f046203eaf83c2362706c8d20613.txt
@@ -0,0 +1,38 @@
+## 16. Liability
+
+FHFA makes no express or implied warranty, nor assumes any legal liability or responsibility for the accuracy, completeness, or usefulness of any information, apparatus, product, or process described or depicted on this website or posted on the agency's social media pages. FHFA does not represent that the use of any such information, apparatus, product, or process would not infringe privately owned rights.
+
+## 17. Questions about Privacy
+
+If you have questions about FHFA’s privacy policy and information practice, email us at [privacy@fhfa.gov](mailto:privacy@fhfa.gov), or contact us at:
+
+Senior Agency Official for Privacy
+Office of General Counsel
+Federal Housing Finance Agency
+400 7th Street SW
+Washington, DC 20219
+(202) 649-3803
+
+If you would like more information about FHFA's Privacy Program, please visit our Privacy Program Webpage at [www.fhfa.gov/privacy](/about/privacy).
+
+Last Reviewed: August 15, 2025
+
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
diff --git a/chunks/txt/af7bc036550067ee4f1e92148aa9c3cf0e378f5a8a9c14aa01556772a7bcc1d8.txt b/chunks/txt/af7bc036550067ee4f1e92148aa9c3cf0e378f5a8a9c14aa01556772a7bcc1d8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3ccf0a444bf85920fed319054fd847586887df8d
--- /dev/null
+++ b/chunks/txt/af7bc036550067ee4f1e92148aa9c3cf0e378f5a8a9c14aa01556772a7bcc1d8.txt
@@ -0,0 +1,117 @@
+The attributes for ROLE name the end points of each relationship. How they work is described within the
+RELATIONSHIP container under DOCUMENT. The RELATIONSHIPS container holds the repeating child container,
+RELATIONSHIP. Each instance of RELATIONSHIP defines a unique linkage between objects in the XML file. For this
+example, with ten instances of PARTY, (five organizational contacts and five individual contacts) five instances of
+RELATIONSHIP are needed.
+
+23. 0. 1 | 23. 0. 2 DATA POI NTS FOR PART I ES WI TH NMLS I DS
+
+The data points supporting the provision of this data are shown in the table below, using the Lender column as
+an example. These same data points are repeated with the appropriate values for the Mortgage Broker column
+in the table.
+
+ID
+
+Form Field Name MISMO v3.3.0 Context
+
+MISMO v3.3.0
+Data Point |
+Attribute Name
+
+MISMO v3.3.0
+Value
+
+Notes
+
+Table 151. Lender Contact Information
+
+First Instance of PARTY (Organization)
+
+Lender - Name
+
+…/LEGAL_ENTITY/LEG
+AL_ENTITY_DETAIL
+
+FullName
+
+Ficus Bank
+
+Lender - Address …/ADDRESS
+
+AddressLineText
+
+4321 Random Blvd.
+
+N/A - XML
+
+…/ROLE
+
+AddressType
+
+Mailing
+
+Not shown – Data clarity
+
+CityName
+
+Somecity
+
+StateCode
+
+ST
+
+PostalCode
+
+12340
+
+@SequenceNumbe
+r
+
+1
+
+@xlink:label
+
+PARTY1_ROLE1
+
+Not shown -
+relationships
+
+Not shown -
+relationships
+
+23.1.1 |
+2.3
+
+23.2.1 |
+2.3
+
+UID
+997.005
+
+UID
+997.006
+
+23.3.1 NMLS ID
+
+…/LICENSE/LICENSE_D
+ETAIL
+
+LicenseIdentifier
+
+111111
+
+Appendix E: UCD Implementation Guide
+
+Page 229 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+23.0 Contact Information
+
+Table 151. Lender Contact Information
+
+ID
+
+Form Field Name MISMO v3.3.0 Context
diff --git a/chunks/txt/af7f1dcdfff5500a5a1580b330aa16401e114efa0db886e0ee7e26d9532316f2.txt b/chunks/txt/af7f1dcdfff5500a5a1580b330aa16401e114efa0db886e0ee7e26d9532316f2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a8d16846d3adf8bdce3901b1017888da19592f75
--- /dev/null
+++ b/chunks/txt/af7f1dcdfff5500a5a1580b330aa16401e114efa0db886e0ee7e26d9532316f2.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/news/news-release"
+date_accessed: "2026-01-27T17:47:50.514Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/af8cfd9c06eb9803599aaba0785c30e02f7bbfa223b387d74c8608bdc890aaf7.txt b/chunks/txt/af8cfd9c06eb9803599aaba0785c30e02f7bbfa223b387d74c8608bdc890aaf7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a939e6f53e02e61dce3d8a80a5290fbc9f8b5e55
--- /dev/null
+++ b/chunks/txt/af8cfd9c06eb9803599aaba0785c30e02f7bbfa223b387d74c8608bdc890aaf7.txt
@@ -0,0 +1,137 @@
+14568 Generic Rd
+Out There, VA 56789
+Fabricated
+Neighborhood
+
+Attachment Type
+Units Excluding ADUs
+Accessory Dwelling Units
+Special Tax Assessments
+
+Detached
+1
+1
+No
+
+Planned Unit Development (PUD)
+Condominium
+Cooperative
+Condop
+Property on Native American Lands
+Subject Site Owned in Common
+Homeowner Responsible for all Exterior Maintenance
+of Dwelling(s)
+New Construction
+
+Yes No
+ 
+ 
+ 
+ 
+ 
+ 
+ 
+
+ 
+
+Appraiser Reference ID AA12345 Client Reference ID AB12345 AMC Reference ID AD43201Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 3 of 23
+
+Subject Property (continued)
+
+Ownership Rights
+
+Property Rights Appraised
+
+Fee Simple
+
+All Rights Included in Appraisal
+
+Yes
+
+Legal Description
+
+Unreal Farms-2 S.2 PCL.234200121102003 Z-495-2
+
+Subject Property Commentary
+
+Tax Map ID: 2002-16-926997/A018821
+
+Site
+
+Total Site Size
+
+14.19 Acres
+
+Number of Parcels
+
+1
+
+Assessor Parcel Number (APN)
+Z-495-2
+
+APN Description
+Land with Dwelling
+
+Parcel Size
+14.19 Acres
+
+Zoning
+
+Compliance
+Classification Code
+Classification Code Description
+
+Legal
+RA-10
+ Residential-Agricultural
+10+ Acres
+
+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
+Agricultural
+
+Proximity
+Bordering
+
+Detail
+
+Impact
+Neutral
+
+Comment
+Pastures and crop lands
+
+View and Impact to Value/Marketability
+
+View
+Pastoral
+
+Range of View
+Full
+
+Impact
+Beneficial
+
+View Commentary Pastoral with distant mountain view.
+
+Site Features and Impact to Value/Marketability
diff --git a/chunks/txt/af8f7c536f92ca8c5ab1c8333d958f17d2186f8c21eedf8ceaf13442b96468cc.txt b/chunks/txt/af8f7c536f92ca8c5ab1c8333d958f17d2186f8c21eedf8ceaf13442b96468cc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..00debe9402c7396d3a7351bceffc9bfc4fc56811
--- /dev/null
+++ b/chunks/txt/af8f7c536f92ca8c5ab1c8333d958f17d2186f8c21eedf8ceaf13442b96468cc.txt
@@ -0,0 +1,90 @@
+Page 28 of 33
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+09 Certifications and Intended Use / User
+
+09 Certifications and Intended Use / User
+
+The Certifications and Intended Use / User section always displays. It contains a combination of:
+• Predefined text that always displays (not addressed in this document)
+• Dynamic predefined text (e.g., text for government agency reports, Appraiser Cert 6)
+• Free-form text (e.g., additional appraiser or supervisory certifications)
+
+For all possible Certifications and Intended Use / User text that may display on the Completion Report, see
+Appendix C-3: Completion Report with Report Field IDs (09.001-09.036).
+
+Intended Use
+
+The Intended Use subsection always displays.
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+09.002
+09.003
+
+Additional
+Intended Use
+
+When applicable for
+FHA, VA, or USDA
+(08.004)
+
+Allowable
+Answers / Format
+
+Free-form
+
+Definition / Additional Guidance
+
+Additional Intended Use Text
+Note: Additional Intended Use cannot be contrary to, and should not repeat,
+any of the predefined text.
+
+Intended Use
+
+Intended User
+
+The Intended User subsection always displays and must match what was in the original appraisal.
+
+Report
+Field ID
+
+09.005
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Intended Users
+
+FHA and the
+Mortgagee …
+
+Predefined text that
+displays for purchases
+and refinances when
+Government Agency
+Type (08.004) is FHA
+
+09.005 The USDA and … Predefined text that
+
+displays when
+Government Agency
+Type (08.004) is USDA
+
+Appendix F-3: Completion Report Reference Guide
+
+Page 29 of 33
diff --git a/chunks/txt/af8fb7834199e354d61f9ba82cb945ff31fd725a0bf50de7dbb20f3f103c6f83.txt b/chunks/txt/af8fb7834199e354d61f9ba82cb945ff31fd725a0bf50de7dbb20f3f103c6f83.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9f627607b00e61b03d3b04b107f0ef2bc69c8f26
--- /dev/null
+++ b/chunks/txt/af8fb7834199e354d61f9ba82cb945ff31fd725a0bf50de7dbb20f3f103c6f83.txt
@@ -0,0 +1,50 @@
+Deferred Maintenance
+
+Lack of normal maintenance and upkeep that may result in repairs or replacement of items.
+
+Dwelling
+
+Extraordinary Assumption
+
+Finished Area
+
+Any building containing living unit(s) designed to be used as residence(s). A portion of the dwelling may also contain
+ADU(s).
+
+An assumption as of the effective date of the appraisal results, which, if found to be false, could alter the appraiser’s
+opinions or conclusions. In essence, an extraordinary assumption is what the appraiser assumes to exist (e.g., evidence
+of termite infestation).
+
+Whether above or below grade, an area is considered finished when it is enclosed, suitable for year-round living, and
+meets locally accepted standards. Reference published guidelines by the GSEs, government agencies, or other
+identified secondary market participants for specific guidance.
+
+Floor Plan
+
+A visual representation or diagram that shows the interior and exterior walls, doors, and stairs of a dwelling.
+
+Hypothetical Condition
+
+A condition that is contrary to what is known by the appraiser to exist on the effective date of the assignment. The
+hypothetical condition is used to value the collateral as if the condition has been met (e.g., subject to completion or
+repair).
+
+Lookback Period
+
+The number of months back from the appraisal effective date that the appraiser used to analyze and report on sales.
+
+Market Value Condition
+
+Indicates whether the appraised value is As Is, or subject to one of the following conditions:
+•
+•
+•
+
+Subject to Completion Per Plans
+Subject to Inspection
+Subject to Repair
+
+New Construction
+
+All dwellings on the property are 100% newly constructed, including the foundation, were completed in the past 12
+months, have never been occupied, and exhibit no signs of wear or use.
diff --git a/chunks/txt/afaa9315ad39c2ceaf60dd240c681bdfb99b01bd414eef6e9310525272ce9fae.txt b/chunks/txt/afaa9315ad39c2ceaf60dd240c681bdfb99b01bd414eef6e9310525272ce9fae.txt
new file mode 100644
index 0000000000000000000000000000000000000000..62cd0f87eaf9c4ce6d2835c8c4f782fae82bc07c
--- /dev/null
+++ b/chunks/txt/afaa9315ad39c2ceaf60dd240c681bdfb99b01bd414eef6e9310525272ce9fae.txt
@@ -0,0 +1,57 @@
+[Mortgage Translations](/mortgage-translations)
+
+- [About Mortgage Translations](/mortgage-translations)
+ - [Borrower Education Materials](/mortgage-translations/borrower-education-materials)
+ - [COVID-19 Resources](/mortgage-translations/covid-19-resources)
+ - [Interpretive Services](/mortgage-translations/interpretive-services)
+ - [Language Translation Disclosure](/mortgage-translations/language-translation-disclosure)
+ - [Search Documents](/mortgage-translations/search)
+ - News Public Affairs
+
+- [News Releases](/news/news-release)
+ - [Statements](/news/statement)
+ - [Speeches](/news/speech)
+ - [Testimonies](/news/testimony)
+ - [Public Input](/public-input)
+ - [Blogs](/blog)
+ - [Fact Sheets](/news/fact-sheet)
+ - [FAQs](/faqs)
+ - [Partner Agency Engagements](/news/partner-agency-engagements)
+ - [Public Engagements](/news/public-engagements)
+ - [Videos](/media)
+
+Social Media
+
+- [Facebook](https://www.facebook.com/FHFA)
+ - [LinkedIn](https://www.linkedin.com/company/354523)
+ - [YouTube](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [X (formerly Twitter)](https://twitter.com/FHFA)
+ .usa-header--basic .usa-nav__link:hover::after { height: 0; } Menu
+
+#### Search & Filter
+
+Keyword
+
+Category Briefs, Notes & White Papers
+
+NMDB Staff Working Papers
+
+Staff Working Papers Items per page 10 25 50
+
+## Search & Filter
+
+Keyword
+
+Category Briefs, Notes & White Papers
+
+NMDB Staff Working Papers
+
+Staff Working Papers Items per page 10 25 50
+
+# Research
+
+- NMDB Staff Working Papers
+
+March 14, 2018
+
+## [NMDB Staff Working Paper 18-02: First-Time Homebuyer Counseling and the Mortgage Selection Experience in the United States: Evidence from the National Survey of Mortgage Originations](/research/papers/nmdb-wp1802)
diff --git a/chunks/txt/afbd4d21f412b551bbba1aa3226e3adaa1b63b9277844cf867cdf1ade39237ef.txt b/chunks/txt/afbd4d21f412b551bbba1aa3226e3adaa1b63b9277844cf867cdf1ade39237ef.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2c01fac3fbec769cb183054b3dd25e0650fbc80b
--- /dev/null
+++ b/chunks/txt/afbd4d21f412b551bbba1aa3226e3adaa1b63b9277844cf867cdf1ade39237ef.txt
@@ -0,0 +1,196 @@
+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
+
+4
+
+None
+
+None
+
+None
+
+MLS
+
+MLS
+
+MLS
+
+Analysis of Prior Sale and Transfer History of Comparable Sales There were no prior sales or transfers of the comparable sales within the
+last 12 months.
+
+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 11 of 20
+
+PG BRK
+
+PG BRK
+
+Sales Comparison Approach
+
+Subject Property
+
+Comparable #1
+
+Comparable #2
+
+Comparable #3
+
+General Information
+
+Property Address
+
+123 Anywhere St
+Somecity, TN 12345
+
+42 Forest Ln
+Somecity, TN 12345
+
+542 New East St
+Somecity, TN 12345
+
+7525 New South Hwy
+Somecity, TN 12345
+
+Data Source
+
+Proximity to Subject
+
+List Price
+
+Listing Status
+
+Contract Price
+
+Sale Price
+
+Sales Concessions
+
+Contract Date
+
+Sale Date
+
+Days on Market
+
+Attached/Detached
+
+Site
+
+Site Size
+
+This is where the
+Comparable 1 photo
+would display.
+
+MLS 124523 | Assessor Record MLS 123453 | Assessor Record MLS 178643 | Assessor Record
+
+3 Miles SE
+
+$340,000
+
+Settled Sale
+
+—
+
+$325,000
+
+$0
+
+$0
+
+No
+
+09/15/2021
+
+11/01/2021
+
+42
+
+—
+
+—
+
+—
+
+—
+
+—
+
+—
+
+Detached
+
+Detached
+
+No
+
+12/05/2021
+
+02/15/2022
+
+86
+
+Detached
+
+14,000 Sq. Ft.
+
+22,216 Sq. Ft.
+
+$(20,540)
+
+13,939 Sq. Ft.
+
+4 Miles NW
+
+$229,999
+
+Settled Sale
+
+—
+
+$219,950
+
+$0
+
+$0
+
+$0
+
+$0
+
+5 Miles S
+
+$265,000
+
+Settled Sale
+
+—
+
+$247,000
+
+$0
+
+$0
+
+No
+
+11/15/2021
diff --git a/chunks/txt/afbdc410e6753be404903a22d4dedc86d8747e4a497e70fb494fe2597bd22b39.txt b/chunks/txt/afbdc410e6753be404903a22d4dedc86d8747e4a497e70fb494fe2597bd22b39.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2a5f41a4b821cc1b32c9059cd114b26545353100
--- /dev/null
+++ b/chunks/txt/afbdc410e6753be404903a22d4dedc86d8747e4a497e70fb494fe2597bd22b39.txt
@@ -0,0 +1,234 @@
+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
+
+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 4777564313Client Reference ID JD5624946AMC Reference ID A43219302Appraisal Version #1Fannie Mae | Freddie Mac September 2024Condominium Scenario 1 (Condo1)
diff --git a/chunks/txt/afc54b6bd322ffa55f6d3f0d2158acd94ccc679ffb54e2db13388dbfcb03bf59.txt b/chunks/txt/afc54b6bd322ffa55f6d3f0d2158acd94ccc679ffb54e2db13388dbfcb03bf59.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4a21ba90e50809712cc8d28c460fec724b8fa694
--- /dev/null
+++ b/chunks/txt/afc54b6bd322ffa55f6d3f0d2158acd94ccc679ffb54e2db13388dbfcb03bf59.txt
@@ -0,0 +1,28 @@
+Remaining Economic Life
+
+The Uniform Residential Appraisal Report (URAR) is designed to meet the needs of different user groups; consequently, the report
+may contain data that is not required by Fannie Mae, including the remaining economic life for the property being appraised. If
+the appraisal report includes this information, lenders are not required to consider the remaining economic life as part of their
+review.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 82 of 166
+
+UAD 3.6 Policy
+
+Energy-Efficient and Green Features
+
+An energy-efficient property is one that uses resource-effective design, materials, building systems, and site orientation to
+conserve nonrenewable fuels.
+
+Special energy-saving items must be recognized in the appraisal process and noted on the appraisal report within the Energy-
+Efficient and Green Features sections. The nature of these items and their contribution to value will vary throughout the country
+because of climactic conditions, differences in utility costs, and overall market reaction to the cost of the feature. Some examples
+of energy-efficient and green features may include, but are not limited to, energy-efficient ratings or certifications, programmable
+thermostats, solar photovoltaic systems, solar panels, low-e windows, insulated ducts, and tank-less water heaters.
+
+Appraisers must compare energy-efficient features of the subject property to those of comparable properties in the Sales
+Comparison Approach adjustment grid. Appraisers may augment the Sales Comparison Approach in evaluating any impact
+(either positive or negative) to the value of energy efficiency items with either the income or cost approach; however, appraisers
+cannot adjust the value of the property
diff --git a/chunks/txt/afcbb10da3cf6d3ee76e57c6c2f4b845cc26a45e0e078d1fdff80eca476da6d6.txt b/chunks/txt/afcbb10da3cf6d3ee76e57c6c2f4b845cc26a45e0e078d1fdff80eca476da6d6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0358e996afa028616788579225251f28705e74ff
--- /dev/null
+++ b/chunks/txt/afcbb10da3cf6d3ee76e57c6c2f4b845cc26a45e0e078d1fdff80eca476da6d6.txt
@@ -0,0 +1,25 @@
+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.
+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.
+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.
+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.
+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.
diff --git a/chunks/txt/afcccdd8496af691aa7baf4e24e6242094b4b85cad149074b4f6919d36ac3917.txt b/chunks/txt/afcccdd8496af691aa7baf4e24e6242094b4b85cad149074b4f6919d36ac3917.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4b3e3907576a430762f16e77a1ec52070de29e60
--- /dev/null
+++ b/chunks/txt/afcccdd8496af691aa7baf4e24e6242094b4b85cad149074b4f6919d36ac3917.txt
@@ -0,0 +1,27 @@
+When DU can identify that the borrower's existing mortgage loan is a Fannie Mae loan, the lender will no longer need to document
+that the loan being refinanced is currently owned by Fannie Mae for LTV ratios over 95% and certain condo transaction eligible for
+a waiver of the project eligibility review.
+
+Area Median Income Limit Message
+
+The message that specifies the Area Median Income (AMI) for the area in which the property is located will be updated to also
+include the version of the AMI used by DU. For example, if the loan casefile was created on or after May 19, 2024, the 2024 AMI will
+be used and “2024” will be shown in the message; if created prior to May 19, 2024, “2023” will be shown in the message as the AMI
+file used.
+
+Updates to Align with the Selling Guide
+
+Temporary Interest Rate Buydowns
+
+Selling Guide Announcement SEL-2024-05 clarified what is considered a moderate interest rate buydown. A new message will be
+issued on loan casefiles with temporary interest rate buydowns reminding lenders what is considered a moderate interest rate
+buydown, what is considered a significant interest rate buydown, and what Special Feature Code (SFC) should be provided at
+loan delivery in each case.
+
+Leasehold Provisions
+
+Selling Guide Announcement SEL-2024-07 revised and clarified requirements for properties subject to leasehold estates. The
+message issued on loan casefile for leasehold estates will be updated to remind lenders to verify that the unexpired term of the
+ground lease exceeds the maturity date of the loan by five years or more.
+
+Manufactured Homes Project Review
diff --git a/chunks/txt/afd633fa1e2574a413c0a42b0bf2d4ec2c067fbe8017681a730da1961de2b03c.txt b/chunks/txt/afd633fa1e2574a413c0a42b0bf2d4ec2c067fbe8017681a730da1961de2b03c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f81a11ff68561377f2c87b8db9a1a1bd4c3251e4
--- /dev/null
+++ b/chunks/txt/afd633fa1e2574a413c0a42b0bf2d4ec2c067fbe8017681a730da1961de2b03c.txt
@@ -0,0 +1,9 @@
+Quality and Condition .............................................................................................................................................................................................................. 184
+
+Accessibility Features for Individuals with Disabilities ............................................................................................................................................................. 191
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 14
+
+Apparent Defects, Damages, Deficiencies (Unit Interior - [Outbuilding Type] - [Structure Identifier] - [Unit Identifier]) ....................................................... 193
diff --git a/chunks/txt/afe05b19c98baa361c8814f03cd75fb3cc1d38007f942118e67f0882cb245d3c.txt b/chunks/txt/afe05b19c98baa361c8814f03cd75fb3cc1d38007f942118e67f0882cb245d3c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8d17d7a7e0f2b3b0d5129d01f3d60b66be915bef
--- /dev/null
+++ b/chunks/txt/afe05b19c98baa361c8814f03cd75fb3cc1d38007f942118e67f0882cb245d3c.txt
@@ -0,0 +1,74 @@
+“Commentary on Remaining Economic Life” sets as TXC-B (bold lead in to Myriad Pro Regular
+text) X 45 picas
+
+“Commentary on Effective Age” sets as TXC-B (bold lead in to Myriad Pro Regular text) X 45
+picas
+
+Depreciated Cost – Outbuilding – [Outbuilding Type] (H1)
+
+In the H1, brackets do not set, they indicate a placeholder.
+
+Depreciated Cost of Outbuilding 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)
+
+DEPRECIATED COST OF OUTBUILDING TABLE
+
+• Content in table sets as TB, Total sets as TB_sub-H1-R
+
+Appendix E: Report Style Guide
+
+Page 71 of 90
+
+Version 1.4
+
+• First column entries as needed: [Area Type], “Physical Depreciation,” “Functional
+
+Depreciation,” “External Depreciation,” “Total Depreciation,” “Manufactured Home Delivery,
+Installation, and Set Up”
+
+•
+
+“Total” sets TB_sub-H1-R, in white type
+
+o 4p6 (~17 characters max, per line, per cell)
+
+As Is Value of Site Improvements (H1)
+
+As Is Value of Site Improvements table
+
+• Set 2 column table x 28 picas 6 points.
+
+•
+
+“Description” and “Amount” set as TCH.
+
+• Column 1: 24 picas 0 points wide (~96 characters max, per line, per cell)
+
+• Column 2:
+
+4 picas 6 points wide (~17 characters max, per line, per cell)
+
+AS IS VALUE OF SITE IMPROVEMENTS TABLE
+
+• Content in table sets as TB,
+
+•
+
+“Total” sets as TB_sub-H1-R in white type
diff --git a/chunks/txt/afe56acbcf0553bfd940a18eb8a77b3daf7cefa18a25fe934a801a8a0621a288.txt b/chunks/txt/afe56acbcf0553bfd940a18eb8a77b3daf7cefa18a25fe934a801a8a0621a288.txt
new file mode 100644
index 0000000000000000000000000000000000000000..191578561c0a102fd10957d66bcf39e1bf2bb788
--- /dev/null
+++ b/chunks/txt/afe56acbcf0553bfd940a18eb8a77b3daf7cefa18a25fe934a801a8a0621a288.txt
@@ -0,0 +1,81 @@
+set up
+
+Site (continued)
+
+Apparent Defects, Damages, Deficiencies (Site)
+
+None
+
+Site Commentary
+
+The subject’s site consists of two parcels, one being smaller, non-buildable site with water frontage across the street from remaining site
+where the improvements are.
+
+Site Exhibits
+
+Non-Residential Use - Agricultural - Barn
+
+Property Access (Street Scene)
+
+Site Influence - Water Frontage - View - Lake Virginia
+
+Site Influence - View - Power Lines
+
+Permanent Waterfront Feature - Dock
+
+Permanent Waterfront Feature - Pier
+
+This is where the Dock photo would display.
+
+This is where the Pier photo would display.
+
+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 5 of 30
+Page 5 of 30
+
+Site (continued)
+
+View - Woods
+
+This is where the Woods photo would display.
+
+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 6 of 30
+Page 6 of 30
+
+Sketch
+
+Measurement Standard
+
+ANSI
+
+Floor Plan
+
+Dwelling Exterior
+
+Subject Property Units in
+Structure
+Dwelling Style
+Front Door Elevation
+Year Built
+Construction Method
+Converted Area
+
+1
+Ranch
+3-4 Ft.
+2019
+Manufactured
+None
+
+This is where the Subject Property photo would display.
+
+Appraiser Reference ID 2222-55HGClient Reference ID BL2345-1234567Appraisal Version #3Fannie Mae | Freddie Mac September 2024Manufactured Home Scenario 1 (MH1)
+
+Uniform Residential Appraisal Report
diff --git a/chunks/txt/b02994f54a79584d53d46a863e30634c837005e81a393f879d71cf0a265b7e3f.txt b/chunks/txt/b02994f54a79584d53d46a863e30634c837005e81a393f879d71cf0a265b7e3f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..809412d7641567b0b1878d52112857bd2d8b5487
--- /dev/null
+++ b/chunks/txt/b02994f54a79584d53d46a863e30634c837005e81a393f879d71cf0a265b7e3f.txt
@@ -0,0 +1,29 @@
+[**Florida Woman Sentenced For Role In Mortgage Fraud Conspiracy** - 11/14/2025](/sites/default/files/Florida-Woman-Sentenced-For-Role-In-Mortgage-Fraud-Conspiracy.pdf)
+
+[![OIG Hotline](/sites/default/files/OIG-hotline.png)](ReportFraud)
+
+![image](/sites/default/files/FY%202024%20Convictions%20blank%20copy_0.jpg)
+
+## Footer
+
+- [FHFA.gov](https://www.fhfa.gov)
+ - [Accessibility](/accessibility-and-section-508-compliance)
+ - [Contact Us](/contact-us)
+ - [Media and Press Inquiries](/media-and-press-inquiries)
+ - [Privacy Program](/privacy)
+ - [Plain Writing Act](/PlainWritingAct)
+ - [Vulnerability Disclosure Policy](/vulnerability-disclosure-policy)
+ - [Freedom of Information Act (FOIA)](/FOIA)
+ - [Oversight.gov](https://www.oversight.gov/)
+ - [USA.gov](https://www.usa.gov)
+ - [The White House](https://www.whitehouse.gov)
+ - [Notices](/Notices)
+ - [Digital Government Strategy](/digitalstrategy)
+ - [Open Government](/open-government)
+ - [Information Quality](/informationquality)
+ - [No FEAR Act](/No-Fear-Act)
+ - [Prohibited Personnel Practices](/Prohibited-Personnel-Practices)
+ - [Multilingual Content](/multilingual-content)
+ - [Small Business Paperwork Relief Act of 2002](/SmallBusinessPaperworkReliefAct2002)
+
+400 Seventh Street, SW Washington, DC 20219 (202) 730-0880
diff --git a/chunks/txt/b054f73de539aac9cab3e6f77014a31759227b861ed040c588ce06a6ffb3e863.txt b/chunks/txt/b054f73de539aac9cab3e6f77014a31759227b861ed040c588ce06a6ffb3e863.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0c887870df2aed2b64bd7e7d8208c6505388f022
--- /dev/null
+++ b/chunks/txt/b054f73de539aac9cab3e6f77014a31759227b861ed040c588ce06a6ffb3e863.txt
@@ -0,0 +1,39 @@
+Requirement
+The UCD file has been updated to add “Enact” as a valid value for
+MICompanyNameTypeOtherDescription (UID 3.029). This change became effective for Enact-insured
+loans delivered to Fannie Mae on and after February 17, 2022, and for Enact-insured loans delivered to
+Freddie Mac on and after February 11, 2022. Both GSEs will continue to accept the old value
+“Genworth” in the UCD files. However, on June 27, 2022 (Fannie Mae) and August 1, 2022 (Freddie
+Mac), UCD files containing the “Genworth” value will receive warning messages.
+
+UCD XPath: Enact should be provided as follows in the UCD file:
+
+…/LOAN
+
+MI_DATA
+
+MI_DATA_DETAIL
+
+<mismo:MICompanyNameType>Other</mismo:MICompanyNameType
+<mismo:MICompanyNameTypeOtherDescription>Enact</mismo:MICompanyNameTypeOther
+Description>
+
+© 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.
+
+Addition of Valid Values for Taxes and Other Government Fees
+Overview
+The GSEs continue to collaborate on the development and implementation of the Phase 3 UCD Critical
+Edits. As we reviewed section E. Taxes and Other Government Fees on Closing Disclosures (CDs) and
+in accompanying UCD files, we frequently saw usual and customary recording fees, transfer taxes and
+other government fees that are not currently supported by UCD v1.5. Today, when these values are
+delivered in FeeType in the UCD file, warning edits may fire but the loan can still be delivered to the
+GSEs. With the Phase 3 implementation these values would have triggered critical edits even though
+they are legitimate charges for the closing process. To prevent this from happening, we are expanding
+the UCD-supported enumerations for CD Section E. Taxes and Other Government Fees.
diff --git a/chunks/txt/b055d90856c1c7fb8a17ac97868d889675b40bef8dce14402302ee83d0e32990.txt b/chunks/txt/b055d90856c1c7fb8a17ac97868d889675b40bef8dce14402302ee83d0e32990.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f4367a6857f1cd5a6bcd298ce5310db8debef924
--- /dev/null
+++ b/chunks/txt/b055d90856c1c7fb8a17ac97868d889675b40bef8dce14402302ee83d0e32990.txt
@@ -0,0 +1,85 @@
+1000.0173
+
+SuffixName
+
+Display when provided when the seller is an individual
+
+1000.0116
+
+PartyRoleType
+
+Display when PartyRoleType = “PropertySeller” and is a legal entity
+
+1000.0020
+
+FullName
+
+Display when the seller is a legal entity
+
+Current Owner of Public Record
+
+There must be at least one instance of Current Owner of Public Record - PartyRoleType = “PropertyOwner”.
+
+The XML formation and applicable rows in the UAD Specification will vary depending on whether the Current Owner of Public Record:
+
+A. Matches the Borrower Name, such as for some refinance transactions, or
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+B. Matches the Seller Name, or
+C. Does not match the Borrower and/or Seller Name
+
+For A and B, the vendor should send multiple ROLEs for the PARTY instead of repeating the PropertyOwner instance of PARTY with the
+exact same information. Reference the PARTY Element and ROLE Element sections for more information.
+
+Page 81
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 82
+
+Report
+Field ID
+
+Report Label
+
+Unique ID
+
+MISMO Data Point Name Display Rules
+
+Assignment Information: General Information – Current Owner of Public Record
+
+1000.0182
+
+PartyRoleType
+
+1000.0183
+
+PartyRoleType
+
+1000.0184
+
+PartyRoleType
+
+2.003
+
+Current Owner of
+Public Record
+
+1000.0185
+
+PartyRoleType
+
+For Case A when the borrower/property owner is an individual, populate with
+“PropertyOwner”
+
+−
+
+Redisplay the Borrower Name (2.001) in Current Owner of Public Record (2.003).
+
+For Case A when the borrower/property owner is a legal entity, populate with
+“PropertyOwner”
+
+−
+
+Redisplay the Borrower Name (2.001) in Current Owner of Public Record (2.003).
diff --git a/chunks/txt/b059e4c1c64f6b16d4f8eb2a36ce1336dc8ed378d30767c9cd7c9a7f4cd67634.txt b/chunks/txt/b059e4c1c64f6b16d4f8eb2a36ce1336dc8ed378d30767c9cd7c9a7f4cd67634.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6eca41311a6a9d07aaef2767124afa5cdc4f6081
--- /dev/null
+++ b/chunks/txt/b059e4c1c64f6b16d4f8eb2a36ce1336dc8ed378d30767c9cd7c9a7f4cd67634.txt
@@ -0,0 +1,89 @@
+One new edit related to Loan program
+
+One new edit related to Mission Index
+
+• 1 new edit with severity Warning to Fatal
+
+• 1 new edit with severity Observational
+
+© 2025 Fannie Mae
+
+Effective
+Date
+
+Impacted
+Area
+
+Jul 22
+
+ULDD Ph 5
+
+Version
+
+Description
+
+To support the second implementation of ULDD phase 5,
+EarlyCheck will introduce
+
+• New informational edits around Appraisal, Condo
+Project Manager (CPM), Remote Notarization
+Indicator, and MERS status.
+
+• 4 edits related to Unit Data will move to Fatal
+
+For more information, see the ULDD webpage.
+
+File
+Type
+
+Impact
+
+• 12 new informational edits
+• 4 edits with severity change to fatal
+
+Jul 22
+
+Edit Updates
+
+7.6.16
+
+4 edits related to credit score will move to Fatal
+New edits related to income, Lien type and Loan program
+4 edits related to Unit data will move to fatal
+
+ULAD-
+MISMO 3.4
+
+• 4 edits with severity change
+• 6 new Warning edits
+• 4 edits with severity change
+
+ULDD Phase 5 edits – see above for details
+4 edits related to credit score will move to Fatal
+New edits related to income, Lien type and Loan program
+4 edits related to Unit data will move to fatal
+
+ULDD-
+MISMO 3.0
+
+• 12 new informational edits
+• 4 edits with severity change
+• 6 new Warning edits
+• 4 edits with severity change
+
+ULDD-
+MISMO 3.0
+
+• 1 Observational Edit
+
+ULDD-
+MISMO 3.0
+
+• 2 new fatal edits
+
+We have implemented eligibility checks in EarlyCheck to
+help lenders identify loans that have an eligible green
+building certification. EarlyCheck will return an
+observational message informing lenders if the loan and
+underlying property have met Green Program eligibility
+requirements.
diff --git a/chunks/txt/b0629af4d89fd5c9b6fa3ab47daf506ed470f361f52130287d87ed1927f29c88.txt b/chunks/txt/b0629af4d89fd5c9b6fa3ab47daf506ed470f361f52130287d87ed1927f29c88.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d9b1dc0841ffc5ad2af9a269d99cd0698d976cbd
--- /dev/null
+++ b/chunks/txt/b0629af4d89fd5c9b6fa3ab47daf506ed470f361f52130287d87ed1927f29c88.txt
@@ -0,0 +1,60 @@
+Updated Chapter 6: Form Header, 1a, L4
+FAQs: Updated 8, 10, 13, 21, 23, 25 and added 11
+new.
+FAQs: Updated 13, 21, 23, 25 New 14, 15, 22, 26,
+27, 28
+Updated Section 5: Declarations
+Updated Chapter 6: 1b, 1d, 3a, 4c, 5ab, 7, L1, L4
+
+Updates related to the new Fannie Wrapper and
+associated links; Updates to FAQs; and a few minor
+typos corrected
+
+October 2, 2018
+
+August 29, 2017
+
+2.0
+
+1.0
+
+Update of all sections
+
+Initial publication
+
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+3
+
+Chapter 1: Introduction
+
+This chapter includes the following topics:
+
+Introduction
+
+▪
+▪ Purpose of document
+▪ Document organization
+▪ Before You Start
+
+Introduction
+Fannie Mae and Freddie Mac (the GSEs), in an effort to promote further alignment in the mortgage industry,
+have developed the Uniform Loan Application Dataset (ULAD), a common dataset, in support of the
+redesigned Uniform Residential Loan Application (URLA). The ULAD Mapping Document maps each
+redesigned Form 1003 field to a corresponding Mortgage Industry Standards Maintenance Organization
+(MISMO®) v3.4 data point. MISMO, a subsidiary of the Mortgage Bankers Associates (MBA), has
+developed a data standard for the exchange of mortgage related data aimed at reducing costs and increasing
+transparency. Leveraging the MISMO standard, Fannie Mae has developed and published the updated data
+requirements specification for Desktop Underwriter® (DU®), referred to as the DU Specification (DU Spec),
+which includes the ULAD and additional information to support data collection for Conventional, FHA,
+and VA loans.
+
+Purpose
+The DU Spec is intended to serve as the requirements for business and technical organizations to create the
+new DU Loan Application Submission files based on the MISMO v3.4 Reference Model. The DU Spec
+provides an overview of the data architecture, including reference information about the allowable
+structures, sequence, values, conditionality, and format of the DU Loan Application Submission files.
+This document, the Desktop Underwriter Specification Implementation Guide, provides additional
+supporting information for business and technical organizations as they implement the new DU Spec.
diff --git a/chunks/txt/b06d73fd10bc11f3bb641a4ebbbb9d63cc6b9e8172d3481474f4b5bc9fc1ab7a.txt b/chunks/txt/b06d73fd10bc11f3bb641a4ebbbb9d63cc6b9e8172d3481474f4b5bc9fc1ab7a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..093282bb0b7b20037fe578723c6e7def4d0ed922
--- /dev/null
+++ b/chunks/txt/b06d73fd10bc11f3bb641a4ebbbb9d63cc6b9e8172d3481474f4b5bc9fc1ab7a.txt
@@ -0,0 +1,142 @@
+Summary_SFS1_mv24_sv46
+Uniform Residential Appraisal Report
+
+Summary
+
+Opinion of Market Value
+Market Value Condition
+Sales Contract Price
+Borrower Name
+
+Current Owner of Public Record
+Assignment Reason
+Listing Status
+3 Year Transfer History
+
+$490,000
+Subject to Repair
+$489,000
+Mary Jones
+Michael Jones
+Jane Doe
+Purchase
+Pending
+No
+
+Page 1 of 1
+
+123 Fallen Oak Court, Smallville, VA 12345
+
+Appraisal Report Effective Date
+Appraiser Name
+Lender
+Appraisal Management
+Company (AMC)
+
+09/20/2019
+Amy Allen
+DEF Bank (Client)
+
+ABC Appraisal Co.
+
+Property Description
+Attachment Type
+Overall Quality
+Overall Condition
+Project Type
+Planned Unit Development (PUD) Yes
+Construction Method
+Parcels
+Property Rights Appraised
+Units
+Accessory Dwelling Unit
+Property Restriction
+
+Detached
+Q4
+C4
+None
+
+Site Built
+1
+Fee Simple
+1
+0
+None
+
+Apparent Defects, Damages, Deficiencies
+
+Feature
+Dwelling
+
+Roof
+
+Location
+
+Comment
+
+Affects Livability or
+Structural Integrity
+
+Recommended
+Action
+
+Estimated Cost
+to Repair
+
+Section of roof
+
+Flashing is missing on one side of the
+house which could cause leaks from
+the roof.
+
+Yes
+
+Repair
+
+Total Cost
+
+$500
+
+$500
+
+Sales Comparison Summary
+
+For details, reference the Sales Comparison Approach section.
+
+Page 1 of 3
+
+Property Address
+
+Subject Property
+
+Comparable #1
+
+Comparable #2
+
+Comparable #3
+
+123 Fallen Oak Ct.
+Smallville, VA 12345
+
+241 Rapid Creek Ln.
+Smallville, VA 12345
+
+188 Fallen Oak Ct.
+Smallville, VA 12345
+
+210 Cannon Ball Rd.
+Smallville, VA 12345
+
+Comparable #1
+
+241 Rapid Creek Ln.
+Smallville VA 12345
+
+Proximity to Subject
+
+Site Size
+
+Finished Area Above
+Grade (GLA)
+Finished Area Below Grade
diff --git a/chunks/txt/b0722e175e3f71011c8a0dd2d0935e999479c2a8617857327f495ed195dbb68e.txt b/chunks/txt/b0722e175e3f71011c8a0dd2d0935e999479c2a8617857327f495ed195dbb68e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a458e5892871a858391b79556cf3859017ebc627
--- /dev/null
+++ b/chunks/txt/b0722e175e3f71011c8a0dd2d0935e999479c2a8617857327f495ed195dbb68e.txt
@@ -0,0 +1,109 @@
+1 10000001 0 2 2 1 1 1 4 5 9 2 5 1 3
+1 10000002 1 2 3 3 5 8 4 5 5 2 2 1 4
+1 10000003 1 3 1 2 2 1 4 7 9 1 5 1 1
+1 10000004 1 2 3 3 3 1 4 5 5 2 1 1 4
+1 10000005 1 2 2 2 5 1 4 9 9 3 5 1 4
+1 10000006 1 3 1 2 4 1 4 5 9 1 5 1 1
+1 10000007 1 2 1 2 5 1 4 5 7 1 2 1 1
+1 10000008 1 2 3 3 2 8 4 5 9 1 5 1 4
+1 10000009 1 2 3 3 2 8 4 5 9 2 5 1 4
+1 10000010 0 1 2 3 1 8 4 5 5 1 2 1 4
+1 10000011 1 2 3 3 1 8 4 5 5 1 2 1 4
+1 10000012 1 3 1 2 4 1 4 5 9 1 5 1 1
+1 10000013 1 2 2 1 1 1 4 5 5 1 2 1 3
+1 10000014 1 1 2 3 1 8 4 5 9 1 5 1 4
+1 10000015 1 1 2 3 1 8 4 9 9 3 5 1 4
+1 10000016 1 3 1 3 1 1 4 5 5 1 2 1 4
+1 10000017 1 3 1 3 4 1 4 9 9 3 3 1 4
+1 10000018 1 2 3 3 3 1 4 5 9 2 5 1 4
+1 10000019 1 3 3 3 2 1 4 2 9 1 5 1 4
+1 10000020 1 2 1 2 2 8 4 5 9 1 5 1 1
+1 10000021 1 3 2 3 2 1 4 7 7 2 1 1 4
+1 10000022 1 2 3 3 3 1 4 5 5 1 2 1 4
+1 10000023 1 2 3 3 4 1 4 5 9 1 5 1 4
+1 10000024 1 3 1 3 3 1 4 3 9 2 5 1 4
+1 10000025 1 2 2 3 5 1 4 5 5 1 2 1 4
+1 10000026 1 2 1 2 5 1 4 9 9 3 5 1 1
+1 10000027 1 2 2 2 5 1 4 2 9 1 5 1 4
+1 10000028 1 2 2 3 5 1 4 5 9 2 5 1 4
+1 10000029 1 3 3 3 2 1 4 5 5 2 1 1 4
+1 10000030 1 2 2 3 2 1 4 5 9 1 5 1 4
+1 10000031 1 3 3 3 3 1 4 5 5 1 1 1 4
+1 10000032 1 2 3 3 1 1 4 5 5 1 2 1 4
+1 10000033 1 2 2 3 2 1 4 5 9 1 3 1 4
+1 10000034 1 2 2 2 5 8 4 5 9 1 5 1 4
+1 10000035 1 2 2 3 2 1 4 5 5 2 1 1 4
+1 10000036 1 3 1 2 4 1 4 3 3 1 2 1 1
+1 10000037 1 3 2 2 1 8 4 5 5 2 1 1 4
+1 10000038 1 2 2 3 2 8 4 5 5 2 1 1 4
+1 10000039 1 3 3 3 2 1 4 9 9 3 5 1 4
+1 10000040 1 2 2 3 1 1 4 7 5 1 2 1 4
+1 10000041 1 2 2 2 3 1 4 5 9 1 5 1 4
+1 10000042 1 2 2 3 2 8 4 9 9 1 2 1 4
+1 10000043 1 3 2 3 2 1 4 9 9 3 5 1 4
+1 10000044 1 2 1 2 4 1 4 5 9 1 5 1 1
+1 10000045 1 1 2 3 2 1 4 5 5 1 2 1 4
+1 10000046 1 2 3 2 1 8 4 5 9 1 5 1 4
+1 10000047 1 3 2 3 5 1 4 9 9 2 1 1 4
+1 10000048 1 2 3 3 3 1 4 5 5 1 2 1 4
+1 10000049 1 3 1 1 4 1 4 5 9 2 5 1 2
+1 10000050 1 3 2 3 1 1 4 7 9 1 5 1 4
+1 10000051 1 2 2 3 5 1 4 5 9 2 5 1 4
+1 10000052 0 1 2 2 3 1 4 5 9 1 5 1 4
+1 10000053 1 2 2 3 3 1 4 5 5 1 2 1 4
+1 10000054 1 2 2 2 1 1 4 5 9 2 5 1 4
+1 10000055 1 3 1 2 1 8 4 5 9 2 5 1 1
+1 10000056 1 3 2 3 4 1 4 7 7 2 1 1 4
+1 10000057 1 2 2 3 2 1 4 5 9 1 5 1 4
+1 10000058 1 3 1 3 3 1 4 9 9 1 5 1 4
+1 10000059 0 2 2 2 4 1 4 5 9 2 5 1 4
+1 10000060 1 3 2 3 1 8 4 3 9 1 3 1 4
+1 10000061 1 3 2 3 3 1 4 5 5 2 1 1 4
+1 10000062 1 2 3 3 2 1 4 5 5 2 1 1 4
+1 10000063 1 3 3 3 1 1 4 7 9 1 5 1 4
+1 10000064 1 2 3 3 1 1 4 5 5 1 2 1 4
+1 10000065 1 2 3 3 1 8 4 5 5 1 2 1 4
+1 10000066 0 1 2 3 2 1 4 7 9 1 5 1 4
+1 10000067 1 3 2 3 1 1 4 5 9 1 3 1 4
+1 10000068 1 2 2 3 2 1 4 5 5 2 2 1 4
+1 10000069 1 3 1 2 2 1 4 7 9 1 5 1 1
+1 10000070 1 3 2 3 2 8 4 5 5 2 1 1 4
+1 10000071 1 3 3 3 2 1 4 7 9 2 5 1 4
+1 10000072 1 3 3 3 2 1 4 5 9 1 5 1 4
+1 10000073 1 1 3 3 2 1 4 5 9 1 5 1 4
+1 10000074 1 2 2 3 3 1 4 5 5 1 2 1 4
+1 10000075 1 3 1 3 4 1 4 5 9 2 5 1 4
+1 10000076 1 3 2 3 5 1 4 9 9 3 3 1 4
+1 10000077 1 2 2 2 3 1 4 7 9 2 5 1 4
+1 10000078 1 2 2 1 3 1 4 5 9 1 5 1 3
+1 10000079 1 3 3 3 4 1 4 7 7 2 1 1 4
+1 10000080 1 3 3 3 2 1 4 5 5 1 2 1 4
+1 10000081 1 2 3 3 2 1 4 5 9 1 5 1 4
+1 10000082 1 2 2 3 1 1 4 9 9 3 3 1 4
+1 10000083 1 3 1 1 1 8 4 5 9 1 5 1 2
+1 10000084 1 3 2 3 5 1 4 5 9 1 5 1 4
+1 10000085 1 3 1 3 4 1 4 7 9 1 5 1 4
+1 10000086 1 3 2 3 2 1 4 5 9 1 5 1 4
+1 10000087 1 2 2 3 1 1 4 5 5 1 2 1 4
+1 10000088 1 2 2 1 5 1 4 3 9 2 5 1 3
+1 10000089 1 2 3 2 2 1 4 5 5 1 2 1 4
+1 10000090 1 3 3 3 2 1 4 5 5 2 1 1 4
+1 10000091 1 3 1 3 4 1 4 5 5 2 1 1 4
+1 10000092 0 3 2 3 4 1 4 5 9 1 5 1 4
+1 10000093 1 2 2 3 4 1 4 5 5 2 1 1 4
+1 10000094 1 2 2 2 2 1 4 9 9 9 9 1 4
+1 10000095 0 3 1 3 1 8 4 6 5 2 1 1 4
+1 10000096 1 2 2 3 3 1 4 5 5 2 1 1 4
+1 10000097 0 1 2 3 2 1 4 5 5 1 2 1 4
+1 10000098 1 3 2 3 2 8 4 5 5 1 2 1 4
+1 10000099 1 3 1 3 2 1 4 5 5 1 2 1 4
+1 10000100 0 3 2 2 5 1 4 5 9 1 5 1 4
+1 10000101 1 2 1 3 4 1 4 5 5 1 2 1 4
+1 10000102 1 3 3 3 1 8 4 5 9 2 5 1 4
+1 10000103 1 3 3 3 2 1 4 2 9 1 5 1 4
+1 10000104 1 2 3 3 4 1 4 5 5 2 1 1 4
+1 10000105 1 3 3 3 3 1 4 2 9 1 5 1 4
+1 10000106 1 2 2 1 4 1 4 5 9 2 5 1 3
+1 10000107 1 2 3 3 2 1 4 5 5 1 2 1 4
+1 10000108 1 2 2 3 1 1 4 9 9 1 5 1 4
+1 10
diff --git a/chunks/txt/b07757747b75d755bbffa3d202fbba75f40e20b1507a2e39152d8b0198f8ca2a.txt b/chunks/txt/b07757747b75d755bbffa3d202fbba75f40e20b1507a2e39152d8b0198f8ca2a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5a7b442b965b3a05ff08d60b41d101ede78b53e9
--- /dev/null
+++ b/chunks/txt/b07757747b75d755bbffa3d202fbba75f40e20b1507a2e39152d8b0198f8ca2a.txt
@@ -0,0 +1,107 @@
+5.5.3 $ min
+5.5.4 $ max
+
+5.2.6 $ min
+5.2.7 $ max
+
+5.3.3 + $
+5.4.3 + $
+
+5.5.5 $ min
+5.5.6 $ max
+
+5.2.8 $ min
+5.2.9 $ max
+
+5.3.4 + $
+5.4.4 + $
+
+5.5.7 $ min
+5.5.8 $ max
+
+This estimate includes
+5.6.3  Property Taxes
+5.6.4  Homeowners Insurance
+5.6.5  Other:
+See Escrow Account on page 4 for details. You must pay for other property
+costs separately.
+
+In escrow?
+NO/SOME/YES
+NO/SOME/YES
+NO/SOME/YES
+
+Costs at Closing
+
+6.1 Closing Costs
+
+6.0
+
+6.1.1 $
+
+Includes 6.1.2 $
+in Lender Credits. See page 2 for details.
+
+in Loan Costs + 6.1.3 $
+
+in Other Costs – 6.1.4 $
+
+6.2 Cash to Close
+
+6.2.1 $
+
+Includes Closing Costs. See Calculating Cash to Close on page 3 for details.
+
+CLOSING DISCLOSURE
+
+PAGE 1 OF 5 ▪ LOAN ID #
+
+Uniform Closing Dataset v2.0
+
+Numbered Model Disclosure
+
+Closing Cost Details
+
+Loan Costs
+7.1 A. Origination Charges
+7.2.1 % of 7.2 Loan Amount (Points) 7.2.1 to Payee Type
+7.3 Fee Item
+
+7.0
+
+7.3.1 to Payee Type & Name
+
+Borrower-Paid
+
+Seller-Paid
+
+At Closing
+
+Before Closing
+
+At Closing
+
+Before Closing
+
+Paid by
+Others
+
+7.1.1 $
+
+7.2.2 $
+7.3.2 $
+
+7.2.3 $
+7.3.3 $
+
+7.2.4 $
+7.3.4 $
+
+7.2.5 $
+7.3.5 $
+
+7.2.6 $
+7.3.6 $
+
+7.4 B. Services Borrower Did Not Shop For
+7.5 Fee Item
diff --git a/chunks/txt/b089f2c09aa351a98b4a42dba65c526629319503ed805a4c0cb7d07789db66c7.txt b/chunks/txt/b089f2c09aa351a98b4a42dba65c526629319503ed805a4c0cb7d07789db66c7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..34e09824d102c8ca615a8e108da54c305b9a4ec0
--- /dev/null
+++ b/chunks/txt/b089f2c09aa351a98b4a42dba65c526629319503ed805a4c0cb7d07789db66c7.txt
@@ -0,0 +1,99 @@
+10.045
+
+Detail
+
+0700.0043
+
+ImprovementComponentTypeAdditionalDescrip
+tion
+
+When ImprovementComponentType = "Other"
+
+10.046
+
+Quality Comment
+
+0700.0107
+
+ImprovementComponentQualityDescription
+
+Display when ImprovementComponentType = "Other" AND Exists
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Report
+Field ID
+
+Report Label
+
+Unique ID MISMO Data Point Name
+
+Display Rules
+
+Unit Interior: Quality and Condition
+
+10.047
+
+Condition Status
+
+0700.0045
+
+ImprovementComponentConditionStatusType
+
+Display when ImprovementComponentType "Other"
+
+10.048
+
+Condition Comment
+
+0700.0112
+
+ImprovementComponentConditionDescription
+
+Display when ImprovementComponentType = "Other" AND Exists
+
+Figure 10 - 11
+
+Page 190
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 191
+
+Accessibility Features for Individuals with Disabilities
+
+The Accessibility Features for Individuals with Disabilities subsection displays when Features for Individuals w/Disabilities -
+AccessibilityFeatureType (UID: 0700.0005, FID: 10.050) <> “None” AND ((ImprovementType = “Dwelling”) OR (ImprovementType = “Outbuilding” AND
+OutbuildingRealPropertyIndicator = “true” AND AccessoryDwellingUnitIndicator = “true”)).
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 192
+
+Report
+Field ID
+
+Report Label
+
+Unique ID
+
+MISMO Data Point Name
+
+Display Rules
+
+Unit Interior: Accessibility Features for Individuals with Disabilities (Figure 10 - 12)
+
+10.050
+
+Features for Individuals
+w/Disabilities
+
+0700.0005
+
+AccessibilityFeatureType
+
+Display when AccessibilityFeatureType <> “None” AND
+((ImprovementType = “Dwelling”) OR
+(ImprovementType = “Outbuilding” AND
+OutbuildingRealPropertyIndicator = “true” AND AccessoryDwellingUnitIndicator =
+“true”))
diff --git a/chunks/txt/b098ed0f8bea1b36bd2ffe1305163e35bdf344f08a5e751d8495ec07abed5ed5.txt b/chunks/txt/b098ed0f8bea1b36bd2ffe1305163e35bdf344f08a5e751d8495ec07abed5ed5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..96f93a2d05540cba557c3f5d12d3c427fe882f5a
--- /dev/null
+++ b/chunks/txt/b098ed0f8bea1b36bd2ffe1305163e35bdf344f08a5e751d8495ec07abed5ed5.txt
@@ -0,0 +1,85 @@
+Allowable Answer
+
+Definition / Additional Guidance
+
+Centralized
+
+Individual
+
+A system in which air is cooled at a central location and distributed to and from rooms by one or more fans and ductwork
+(e.g., forced air, mini-split).
+
+A self-contained cooling system, mounted on a wall or in a window, designed to cool an individual room or small area (e.g.,
+window unit).
+
+Other (Describe)
+
+Select Other to enter an answer that is not in the above list.
+
+Other Mechanical Systems
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+12.017 Other
+
+If applicable
+
+Mechanical
+Systems
+
+Outbuilding: Other Mechanical Systems
+
+Allowable
+Answers / Format
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+Definition / Additional Guidance
+
+Radon Mitigation
+Sump Pump
+
+•
+•
+• Water Heater
+• Whole House Water Treatment
+•
+Note: If there are no other mechanical systems in the outbuilding, do not select
+an answer and Other Mechanical Systems does not display.
+
+Other (Describe)
+
+Appendix F-1: URAR Reference Guide
+
+Page 156 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+12 Outbuilding
+
+Apparent Defects, Damages, Deficiencies (Outbuilding)
+
+The appraiser must report any significant items pertaining to the outbuilding, and must associate any defect,
+damage, or deficiency with the most appropriate section. These defects, damages, and deficiencies are items
+that:
+• Rise to the level of recommending repair, replacement, or inspection by an individual with expertise in the
+
+industry, or
+
+• Negatively affect the integrity / composition of the site itself, or
+• Negatively affect the soundness or structural integrity of the improvements to the site, or
+• Measurably impact the marketability or value of the property, or
+• Require completion.
+Example:
diff --git a/chunks/txt/b0995c58a2acfecc10442ffe059e5949be0b4c230d1dfe111d8e6e3eccac12ec.txt b/chunks/txt/b0995c58a2acfecc10442ffe059e5949be0b4c230d1dfe111d8e6e3eccac12ec.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c5411cf512bfbec309d8d49caf699a50f3015669
--- /dev/null
+++ b/chunks/txt/b0995c58a2acfecc10442ffe059e5949be0b4c230d1dfe111d8e6e3eccac12ec.txt
@@ -0,0 +1,89 @@
+23 Rental Information
+
+The Comparable Rental Properties subsection includes a thumbnail photo and basic information about the
+subject property and each rental comparable. These properties represent the most current, similar, and
+proximate comparable rental properties to the subject property. This analysis is intended to support the opinion
+of the market rent for each unit in the subject property.
+• Each rental comparable represents a unit and not necessarily the entire comparable property.
+• A rental comparable unit can be compared to more than one subject property unit.
+
+Example
+
+• Comps 4 and 5 are two units in the same property.
+• Comp 1 is compared to both subject units.
+
+Subject Property Information
+
+Comparable Rental Properties – Subject Property Information
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+See
+iGuide
+
+Subject
+Property
+
+Always required
+
+Photo
+
+Property Photo
+Photo of the subject property, typically the front.
+
+Appendix F-1: URAR Reference Guide
+
+Page 286 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+23 Rental Information
+
+Comparable Rental Properties – Subject Property Information
+
+Definition / Additional Guidance
+
+Property Address
+Populates from the Subject Property section 3.000.
+
+Report
+Field ID
+
+23.02.01
+
+Report Label
+
+When to Include
+
+Subject
+Property
+
+Always required
+
+Allowable
+Answers / Format
+
+Free-form, in
+format that
+conforms to
+address standards
+in USPS
+Publication 28,
+Postal Addressing
+Standards
+
+Comparable Property Information
+
+Rent Schedule: Comparable Rental Properties – Comparable Property Information
diff --git a/chunks/txt/b0a2512af03b38f130918ed4409b223d6bf739acc8d2dc5b77e01805795d6e06.txt b/chunks/txt/b0a2512af03b38f130918ed4409b223d6bf739acc8d2dc5b77e01805795d6e06.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c991c68e823d2136ef53cc378bf0a0256d170d24
--- /dev/null
+++ b/chunks/txt/b0a2512af03b38f130918ed4409b223d6bf739acc8d2dc5b77e01805795d6e06.txt
@@ -0,0 +1,48 @@
+foundation retrofitting for earthquakes,
+
+o storm- surge barriers,
+o
+o hazardous brush and tree removal in fire zones, or
+retaining walls to address mud or water flows.
+o
+
+• environmental hazard damage repairs or resiliency improvements, including asbestos, lead, mold, and radon; or
+• energy- or water-efficiency improvements.
+
+Change Requests
+
+Before approving any change request a borrower wants to make to the original plans and specifications, the lender must
+require the borrower to submit a HomeStyle Change Order Request (Form 1200), or a substantially similar document, that
+provides a detailed description of the
+
+• change(s),
+• cost of the change(s), and
+• estimated completion date(s)..
+
+Calculating LTV and Maximum Renovation Amount
+
+Purchase Transactions: In a purchase transaction, the proceeds can be used to finance the acquisition of the property and
+the cost of the improvements or the amount to payoff PACE debt. The LTV ratio is determined by dividing the original loan
+amount by the lesser of
+
+•
+•
+•
+
+the “as completed” appraised value of the property
+the sum of the purchase price of the property plus the cost of the improvements, or
+the sum of the purchase price plus the total amount of PACE debt to be paid off.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 178 of 166
+
+UAD 3.6 Policy
+
+Limited Cash-out Refinance Transactions: When a loan is originated as a limited cash-out refinance, the loan must meet all
+of the standard requirements for limited cash-out refinances (as described in B2-1.3-02, Limited Cash-Out Refinance
+Transactions).
+
+Proceeds may also be used to pay off an existing PACE loan or other debt (secured or unsecured) that financed energy-related
+improvements. The standard cash back allowance of the greater of 1% of the loan amount or $2,000 is permitted on these
+loans.
diff --git a/chunks/txt/b0b79098486113c6e969845a339cab124287350eda91e23c71fbcf1e49475342.txt b/chunks/txt/b0b79098486113c6e969845a339cab124287350eda91e23c71fbcf1e49475342.txt
new file mode 100644
index 0000000000000000000000000000000000000000..97f4df3458ffe8b41f9f94768924935700b2d48b
--- /dev/null
+++ b/chunks/txt/b0b79098486113c6e969845a339cab124287350eda91e23c71fbcf1e49475342.txt
@@ -0,0 +1,132 @@
+Detached
+
+Row or Townhouse
+
+General Description
+
+General Description
+
+Garden
+
+Mid-Rise
+Subject Phase
+
+High-Rise
+
+Other (describe)
+If Project Completed
+
+# of Stories
+# of Elevators
+Existing
+ Under Construction
+
+Proposed
+
+Exterior Walls
+Roof Surface
+Total # Parking
+Ratio (spaces/units)
+Type
+Guest Parking
+
+Year Built
+Effective Age
+Project Primary Occupancy
+Is the developer/builder in control of the Homeowners’ Association (HOA)?
+Management Group –
+
+Homeowners’ Association
+
+Principle Residence
+
+Developer
+
+# of Units
+# of Units Completed
+# of Units For Sale
+# of Units Sold
+# of Units Rented
+# of Owner Occupied Units
+ Second Home or Recreational
+ No
+
+Yes
+
+# of Phases
+# of Units
+# of Units for Sale
+# of Units Sold
+# of Units Rented
+# of Owner Occupied Units
+
+Tenant
+
+Management Agent – Provide name of management company.
+
+Does any single entity (the same individual, investor group, corporation, etc.) own more than 10% of the total units in the project?
+
+Yes
+
+No If Yes, describe
+
+Was the project created by the conversion of an existing building(s) into a condominium?
+
+Yes
+
+No If Yes, describe the original use and the date of conversion.
+
+Are the units, common elements, and recreation facilities complete (including any planned rehabilitation for a condominium conversion)?
+
+Yes
+
+No If No, describe
+
+Is there any commercial space in the project?
+
+Yes
+
+No If Yes, describe and indicate the overall percentage of the commercial space.
+
+Freddie Mac Form 465H April 2022
+
+Page 1 of 6
+
+Fannie Mae Form1073 Hybrid April 2022
+
+P
+R
+O
+J
+E
+C
+T
+
+I
+N
+F
+O
+R
+M
+A
+T
+I
+O
+N
+
+P
+R
+O
+J
+E
+C
+T
+
+A
+N
+A
+L
+Y
+S
+I
+S
diff --git a/chunks/txt/b0d62f6c8c856cf51872033d1554cec7ef2ab427f5a4ae2fd7c594723faad383.txt b/chunks/txt/b0d62f6c8c856cf51872033d1554cec7ef2ab427f5a4ae2fd7c594723faad383.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cf04dc64eb1254adc8e95455bffedfef36543eca
--- /dev/null
+++ b/chunks/txt/b0d62f6c8c856cf51872033d1554cec7ef2ab427f5a4ae2fd7c594723faad383.txt
@@ -0,0 +1,124 @@
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+
+Allowable Values
+Q1
+Q2
+Q3
+Q4
+Q5
+Q6
+
+UAD Requirement - Refer to Appendix D Sales Comparison Approach Section
+This field indicates whether the actual age is estimated.
+
+PDF Display Format:
+If 'Y' then display a tilde (~) before the value entered.
+If 'N' then display nothing.
+
+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.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+Enumerated
+
+String
+
+Enumerated
+
+Boolean
+
+String
+
+20
+
+20
+
+2
+
+1
+
+3
+
+At least one but no more than two values are
+required.
+
+R
+
+This field is required if the value of field e-6
+(GSE View Type) is 'Other'.
+
+CR
+
+T
+
+R
+
+R
+
+R
+
+Form FNM 1075 FRE 466
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 153 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
+
+352
+
+3
+
+32
+
+SALES
+COMPARISON
+APPROACH
+
+Condition
+
+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
diff --git a/chunks/txt/b0e2b9f42dd48d1c2a1f3c11b6986d988ef864f60e2d8400034ff77e58670f52.txt b/chunks/txt/b0e2b9f42dd48d1c2a1f3c11b6986d988ef864f60e2d8400034ff77e58670f52.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1779ce4671712b75a5b29092d6952fbe5379c5f9
--- /dev/null
+++ b/chunks/txt/b0e2b9f42dd48d1c2a1f3c11b6986d988ef864f60e2d8400034ff77e58670f52.txt
@@ -0,0 +1,26 @@
+Comment Request
+N
+N
+N
+N
+Y
+
+Message Text Change for Existing Fannie Mae Appraisal Message
+Due to updates we made to simplify our condo policies in 2018, the Fannie Mae message FNM0103 will be revised.
+
+▪ Current message: The developer/builder is in control of the HOA. Determine the project review type. Fannie Mae
+
+eligibility requires a full project review on properties that are not established, except for detached subject properties
+on which a limited project review is permitted.
+
+▪ Revised message: The developer/builder is in control of the HOA. Consult the Fannie Mae Selling Guide to
+
+determine the appropriate project review type required for this transaction.
+
+For More Information
+
+Please check message updates in UCDP User Guide for Fannie Mae Messaging that will be published on October 7.
+
+© 2019 Fannie Mae. Trademarks of Fannie Mae.
+
+1 of 1
diff --git a/chunks/txt/b0eb0cf9ba70f8e409524305f3ae9693aae3b8bff0a4da3b12df9883fcf2263b.txt b/chunks/txt/b0eb0cf9ba70f8e409524305f3ae9693aae3b8bff0a4da3b12df9883fcf2263b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6c0ab2526dd966147240fb549db67705e00d3b9b
--- /dev/null
+++ b/chunks/txt/b0eb0cf9ba70f8e409524305f3ae9693aae3b8bff0a4da3b12df9883fcf2263b.txt
@@ -0,0 +1,115 @@
+Uniform Residential Appraisal Report
+
+Page 17 of 20
+
+Cost Approach (continued)
+
+Site Value
+
+Primary Site Valuation Method Sales Comparison
+
+Opinion of Site Value
+
+$38,500
+
+Land Comparables
+
+#
+1
+
+2
+
+3
+
+4
+
+Address
+234183 Starmind Dr
+Somecity, TN 12345
+
+County
+Alpine
+
+Data Source
+MLS W12348
+
+Assessor Parcel
+Number (APN)
+ERW 10149852 - 12
+
+Site Size
+12,632 Sq. Ft.
+
+Sale Date
+04/15/2021
+
+Price
+$32,000
+
+105853 Gao St
+Somecity, TN 12345
+
+124383 Whitecrest
+Rd
+Somecity, TN 12345
+
+235813 Anywhere
+St
+Somecity, TN 12345
+
+Alpine
+
+Alpine
+
+MLS W19434
+
+ERW 13249582 - 12
+
+17,424 Sq. Ft.
+
+11/12/2021
+
+$49,900
+
+MLS W58278
+
+ERW 12354823 - 13
+
+12,462 Sq. Ft.
+
+07/15/2021
+
+$25,500
+
+Alpine
+
+Subject Sale
+
+ERW 14885329 - 23
+
+14,000 Sq. Ft.
+
+06/16/2019
+
+$38,500
+
+Reconciliation of Site Value The land sale comparables were selected from sales of unimproved sites suitable for manufactured homes
+located within the subject’s market area. Comparables #1 ($2.53 per square foot) and #2 ($2.86 per square foot) received most weight
+due to comparability in size and location within a mile of recreational areas that are similar to the park that is a half mile from the subject.
+Comparable #3 ($2.00 per square foot) received least weight as it does not have access to public utilities and is located within a half of mile of
+a landfill facility. The subject’s land sale in 2019 (comparable #4) was also taken into consideration. The subject’s site was valued at $2.70 per
+square foot.
+
+General Description
+
+Cost Type
+Cost Data Source
+Quality Rating
+Effective Date
+
+Replacement
+Marshall & Swift
+Good
+06/01/2021
+
+Cost Approach Commentary
diff --git a/chunks/txt/b0ff89696c8626213b0d7121486c65b2127c9821c3cd5a7c625738282494d4a6.txt b/chunks/txt/b0ff89696c8626213b0d7121486c65b2127c9821c3cd5a7c625738282494d4a6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5ec68d5af78b2bb7bac6948573a82b554bc528a7
--- /dev/null
+++ b/chunks/txt/b0ff89696c8626213b0d7121486c65b2127c9821c3cd5a7c625738282494d4a6.txt
@@ -0,0 +1,98 @@
+Appendix E: Report Style Guide
+
+Page 14 of 90
+
+Version 1.4
+
+Code
+TXC-NPI-B
+FN
+SIG
+SIG-B
+Y/N
+CK
+CK1
+CK-H2
+CK-TAB
+CK-1I
+TB
+TB-I
+TB-B
+TCH
+TB_sub-H1
+TB-sub-H1-R
+TB-SCA_sub-H1
+TB-SCA_sub-H1-ADJ
+TB-SCA_H2
+
+Codes Used in Style Guide
+
+Description
+Commentary Text Numbered Paragraph Bold
+Footnote Text
+Signature
+Signature Below Rule
+Yes / No (sets above checkbox [CK] elements )
+Checkbox (full page width)
+Checkbox (one column)
+Checkbox with H2
+Checkboxes on Black Tab
+Checkbox one column Indented
+Table Text
+Table text Indented
+Table text Bold
+Table Column Heading
+Dark Gray Bar in table (see DDDs)
+Dark Gray Bar in Table Align Right (Totals and Subtotals)
+Dark Gray Bar in Comparable Grids
+Dark Gray Bar in Comparable Grids - Adjustable Row
+Light Gray Bar in Comparable Grids
+
+Page Size
+
+8.5" x 14" (Legal)
+
+Layout Grid
+
+2-column format:
+
+• 2 columns each with width of 22 picas (3.66"), with 1 pica gutter (.17”). Character count: 60-
+
+65 characters per line.
+
+1-column format:
+
+• A column width of 45 picas (7.5"). Character count: 130-140 characters per line.
+
+Margins
+
+Top, left, right, and bottom margins are .5".
+
+Header Text
+
+Displays on all report pages except Summary.
+
+½ point 50% black rule x 45 picas, offset 6 points above to:
+
+(HDR-L) Left side:
+
+• 10-point Myriad Pro Bold “Uniform Residential Appraisal Report”.
+
+Appendix E: Report Style Guide
+
+Page 15 of 90
+
+Version 1.4
+
+(HDR-R) Right side:
+
+•
+
+“Page [X] of [XX]” (where [X] stands for page number, [XX] for total pages in document) sets
+at top margin in 9-point Myriad Pro Regular, align right on 45 picas.
+
+HDR
+
+Footer Text
+
+Displays on all report pages.
diff --git a/chunks/txt/b10b279252af654759f110dc74313f6d56b15a9d475b2096f29dc24777108a41.txt b/chunks/txt/b10b279252af654759f110dc74313f6d56b15a9d475b2096f29dc24777108a41.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d8b4e73ca3ef9529f53f8150b3770385c8cd6f13
--- /dev/null
+++ b/chunks/txt/b10b279252af654759f110dc74313f6d56b15a9d475b2096f29dc24777108a41.txt
@@ -0,0 +1,119 @@
+EarlyCheck Release Notes
+Overview of EarlyCheck Enhancements
+
+This EarlyCheck™ Enhancements overview provides access to all 2023 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, 2023
+
+In Case You Missed It
+
+Effective
+Date
+
+Impacted
+Area
+
+Version
+
+Description
+
+January 1
+
+Edit Updates
+
+7.5.8
+
+New edits related to Closing Data
+
+File
+Type
+
+ULDD-
+MISMO 3.0
+
+Impact
+
+•
+
+4 new edits with a severity of Fatal
+
+January 23
+
+Edit Updates
+
+7.5.9
+
+New edits are related to Area Median Income (AMI) and
+Appraisal Waiver
+
+ULAD-
+MISMO 3.4
+
+•
+
+1 edit with a text change
+
+Edits changing severity are related to Mortgage
+Insurance (MI), Reference Data, Area Median Income
+(AMI), and Recast
+
+ULDD-
+MISMO 3.0
+
+•
+
+•
+
+•
+
+•
+
+1 edit with a text change
+
+2 new edits with a severity of warning
+
+1 edit changing from Warning to Warning-
+to-Fatal
+
+7 edits changing from Warning-to-Fatal to
+Fatal
+
+© 2024 Fannie Mae November 2023
+
+Effective
+Date
+
+Impacted
+Area
+
+February 3
+
+Maintenance
+Window
+Change
+
+Version
+
+Description
+
+File
+Type
+
+Impact
+
+Starting in February, EarlyCheck will be available
+every day, 24 hours a day, except from 5 p.m. ET
+Saturday to 8 a.m. ET Sunday due to maintenance.
+
+February 20
+
+Edit Updates
+
+7.6
+
+New edits are related to Closing Costs, Down
+Payment, Mortgage Insurance (MI), Recast, Special
+Feature Codes and Underwriting.
diff --git a/chunks/txt/b11a8efeeb24983c719452d42867a6968deeb1fa92ca9955f8c4d841101da6e0.txt b/chunks/txt/b11a8efeeb24983c719452d42867a6968deeb1fa92ca9955f8c4d841101da6e0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..43c387f766bf173352fc279bb92d431c978632ec
--- /dev/null
+++ b/chunks/txt/b11a8efeeb24983c719452d42867a6968deeb1fa92ca9955f8c4d841101da6e0.txt
@@ -0,0 +1,76 @@
+LoanProgram
+
+ATR/QM
+
+A. MAPPI NG GUI DANCE
+
+▪ Values must be present for TOTAL CLOSING COSTS (Borrower-Paid) and the Closing Costs Subtotals. If there
+
+are no fees to disclose for a given column, “0.00” must be provided.
+
+▪ The Closing Costs Subtotals (D + I) amounts are qualified by the data point Integrated Disclosure Subsection
+Type which is in the same INTEGRATED DISCLOSURE SECTION SUMMARY DETAIL container as Integrated
+Disclosure Section Type = “Total Other Costs”.
+
+▪ Because there are five subtotals, five instances of INTEGRATED DISCLOSURE SUBSECTION PAYMENT are
+required. This container groups the data points representing the payment amount, payer, and timing.
+
+B. FOR MORE I NFORMATI ON
+
+9.0 | 9.1 | 9.2 | 9.3 Reg §1026.38(h), pp. 80123, 80354, 80013; Cross reference to §1026.37(g)(6) pp. 80117,
+
+80344, 79965-6.
+
+Appendix E: UCD Implementation Guide
+
+Page 148 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+10.0 Calculating Cash to Close
+
+10.0 CALCULATING CAS H TO CLOSE
+
+The Calculating Cash to Close table is included in the following Closing Disclosure Types:
+
+Table 102. 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
+
+10.0
+
+Calculating Cash to Close Table
+
+10.A
+
+Alternative Calculating Cash to
+Close Table
+
+✓
+
+✓
+
+✓
+
+✓
+
+✓
+
+The Calculating Cash to Close table on the Closing Disclosure updates the amounts presented to the borrower
+on the Loan Estimate. The purpose of the table is to enable borrower(s) to see how costs have changed from
+estimate to the final disclosure. The Integrated Mortgage Disclosures regulation has defined two versions of the
+Calculating Cash to Close table depending on the purpose of the loan.
diff --git a/chunks/txt/b11c8c84b845ca0a06e14cf1572dd270b51b26b9abd68deb1b46dd046bcb2204.txt b/chunks/txt/b11c8c84b845ca0a06e14cf1572dd270b51b26b9abd68deb1b46dd046bcb2204.txt
new file mode 100644
index 0000000000000000000000000000000000000000..80ea359be5a2509348d4de0c5b689c710d4ed03b
--- /dev/null
+++ b/chunks/txt/b11c8c84b845ca0a06e14cf1572dd270b51b26b9abd68deb1b46dd046bcb2204.txt
@@ -0,0 +1,32 @@
+The plan also includes a retention tool. If an executive leaves the company or is terminated, the fixed deferred salary is reduced by 2 percent per month for each month between the date the employee leaves and January 31st of the second calendar year after the end of the performance year, subject to certain exceptions including retirement.
+
+The compensation listed in each of Fannie Mae’s and Freddie Mac’s most recent annual reports as paid in the most recent year may include compensation earned in the most recent year and deferred compensation earned in prior years but paid in the most recent year.
+
+Information regarding executive compensation oversight is set forth in the Enterprises’ Form 10-K SEC annual filings.
+
+## 202​2 Enterprise Form 10-K Filings
+
+*See Item 9b. Other Information (and) Item 11. Executive Compensation*
+
+[Fannie Mae 2022 10-K](https://www.sec.gov/ix?doc=/Archives/edgar/data/310522/000031052223000184/fnm-20221231.htm)
+
+[Freddie Mac 2022 10-K](https://www.sec.gov/ix?doc=/Archives/edgar/data/1026214/000102621423000037/fmcc-20221231.htm)
+
+## Related Documents
+
+[Statement of Acting Director Edward J. DeMarco, Before the U.S. House of Representatives, Committee on Oversight and Government Reform (11/16/2011)](/news/testimony/statement-of-edward-j.-demarco-before-the-u.s.-house-committee-on-oversight-and-government-reform)
+
+*​Date last updated: August 28, 2023​​*
+
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/b12f95af89cfb4ef71b0cd3aaf8c93bc863c349e79b70e247c19646b0fa6cba2.txt b/chunks/txt/b12f95af89cfb4ef71b0cd3aaf8c93bc863c349e79b70e247c19646b0fa6cba2.txt
new file mode 100644
index 0000000000000000000000000000000000000000..dae2d03a6a7d410fa95a25d34c960c45af117863
--- /dev/null
+++ b/chunks/txt/b12f95af89cfb4ef71b0cd3aaf8c93bc863c349e79b70e247c19646b0fa6cba2.txt
@@ -0,0 +1,71 @@
+Appendix E: Report Style Guide
+
+Page 60 of 90
+
+Version 1.4
+
+Line Display
+
+There are three types of lines (rules) that can be included in the Sales Comparison Approach table.
+
+Type A:
+
+Vertical line separating the Subject and each Comparable. ½ point rule in 100% black.
+
+Type B:
+
+Vertical line separating the cell containing the information about the Comparable from the
+adjustment cell. ½ point rule in 50% black.
+
+Type C:
+
+Horizontal lines throughout the Sales Comparison Approach table. ½ point rule in 50% black.
+
+General Information
+
+•
+
+•
+
+•
+
+•
+
+“General Information” sets as TB-SCA_sub-H1
+
+Leftmost column rows set as TB: “Data Source,” “Proximity to Subject,” “List Price,” “Listing Status,”
+“Contract Price,” “Sale Price,” “Transfer Terms,” “Financing Type,” “Sales Concessions,” “Contract
+Date,” “Sale Date,” “Days on Market,” “Sale to List Price Ratio,” “Attached/Detached,” “Property
+Rights Appraised”.
+
+o “Annual Ground Rent” sets as TB-I.
+
+“Native American Lands,” “All Rights Included” set as TB.
+
+o “Rights Not Included” sets as TB-I.
+
+“Same Builder as Subject,” “[Additional Row]” set as TB.
+
+Project Information
+
+•
+
+•
+
+•
+
+•
+
+Site
+
+“Project Information” sets as TB-SCA_sub-H1-ADJ.
+
+“Project Name | Same Project as Subject,” “Monthly Fee,” “Common Amenities/Services,” “Special
+Assessments” set as TB.
+
+“Site” sets as TB-SCA_sub-H1.
+
+“Site Owned in Common,” “Site Size,” “Neighborhood Name,” “Zoning Compliance,” “Hazard Zone,”
+“Primary Access,” “Street Type | Surface,” “Property Restriction,” “Easement,” “Topography,”
+“Drainage,” “Site Characteristics,” “Site Influence (Location),” “Apparent Environmental Conditions,”
+“View | Range,” “[Additional Row]” set as TB.
diff --git a/chunks/txt/b13808e8cbfe7d5010cf1c11559cb3bd5179e8475e1615f5c5461ad984937538.txt b/chunks/txt/b13808e8cbfe7d5010cf1c11559cb3bd5179e8475e1615f5c5461ad984937538.txt
new file mode 100644
index 0000000000000000000000000000000000000000..50691e667349fb73012911e07977f89bd94ba27c
--- /dev/null
+++ b/chunks/txt/b13808e8cbfe7d5010cf1c11559cb3bd5179e8475e1615f5c5461ad984937538.txt
@@ -0,0 +1,124 @@
+Scope of Inspection by Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+Inspection Date
+
+Physical
+Physical
+09/25/2019
+
+Supervisory Appraiser
+
+Name
+Company Name
+Company Address
+
+Arthur Appraiser
+Overall Appraisal Services
+123 Diagonal St
+Anytown, VA 20141
+
+Scope of Inspection by Supervisory Appraiser
+
+Subject Property Inspection
+
+Exterior
+Interior
+
+No Inspection
+No Inspection
+
+Credentials
+
+Level
+ID
+State
+Expires
+
+Credentials
+
+Level
+ID
+State
+Expires
+
+Licensed Residential
+9898989898-000034
+VA
+01/31/2020
+
+Certified Residential
+9898989898-000299
+VA
+02/28/2020
+
+Assignment Information and Scope of Work Commentary
+
+Jennifer James and Jennifer Jones are the same person with a last name change.
+
+Subject Property
+
+Physical Address
+
+County
+Neighborhood Name
+
+123 Anywhere St
+Some City, VA 20141
+Alpine
+Magic Hill
+
+Attachment Type
+Units Excluding ADUs
+Accessory Dwelling Units
+Special Tax Assessments
+
+Detached
+1
+0
+Yes
+
+Description of Special Assessments and Impact to Value/
+Marketability Special assessment is for grading the road surface,
+condition and utility comparable to other competing properties
+resulting in no impact to value.
+
+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
+
+Rights Not Included
+
+No
+Mineral Rights
+
+Description of Rights Not Included Mineral rights not included,
+typical for the area.
diff --git a/chunks/txt/b14bf5eb90b4e86dbc87a223aa94d9c6ac5027e986e74316599cde7651ed7d62.txt b/chunks/txt/b14bf5eb90b4e86dbc87a223aa94d9c6ac5027e986e74316599cde7651ed7d62.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b0497d49356ca398e1bf504f875ee37f292c5042
--- /dev/null
+++ b/chunks/txt/b14bf5eb90b4e86dbc87a223aa94d9c6ac5027e986e74316599cde7651ed7d62.txt
@@ -0,0 +1,36 @@
+Example IV-1 illustrates the parent containers within the V3.0 Reference Model that
+are specified in ULDDS Appendix A. This is the highest-level view of the Loan
+Delivery Data Set, starting from the root container, MESSAGE. Note that the GSEs’
+use of the V3.0 Reference Model is confined to the ABOUT_VERSIONS and DEAL_SETS
+containers. The majority of the data in ULDDS Appendix A is provided in the DEAL
+container. To read Example IV-1 (and any graphical representations of V3.0
+Reference Model) in the same order in which the containers are presented in the
+underlying XML schema document, follow the steps in Example IV-2.
+
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 26 of 76
+
+Section IV. Using the MISMO V3.0 Reference Model
+
+Example IV-2. Reading Graphical Representations of the Reference Model
+STEP 1: Start at the very left with MESSAGE, then move to the right to
+
+ABOUT_VERSIONS. Keep moving right to the last container
+(ABOUT_VERSION) before moving back to the branch from MESSAGE.
+
+STEP 2: Move to the next lowest container (DEAL_SETS) then up the branch to its
+topmost child container (DEALS). Again, move all the way to the right to
+DEAL, then up the branch to the topmost child container of DEAL
+(ASSETS). Now, move all the way to the right to ASSET, then return to
+the next level of child containers branching from DEAL (COLLATERALS).
+
+STEP 3: Continue moving this way through the child containers of DEAL, through
+PARTIES to ROLES, then up the branch to the topmost child container of
+ROLES (PARTY_ROLE_IDENTIFIER). Since there are no more containers to
+the right, move back to the branch at ROLES and down to the last
+container shown (ROLE). Since there are no more DEAL child containers,
+you are ready to move back to the branch at DEAL_SET and tackle the
+next set of child containers of DEAL_SET (INVESTOR_FEATURE).
diff --git a/chunks/txt/b151ef9d101bebb87b7c072febf7abd2e8fee11728c65b339a80802ec7d0390e.txt b/chunks/txt/b151ef9d101bebb87b7c072febf7abd2e8fee11728c65b339a80802ec7d0390e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..daa6b435e3e6d5300177286af39c539af70ac87c
--- /dev/null
+++ b/chunks/txt/b151ef9d101bebb87b7c072febf7abd2e8fee11728c65b339a80802ec7d0390e.txt
@@ -0,0 +1,43 @@
+Notes: The MISMO definition is non-specific, so the GSEs have clarified the use of
+
+the attribute with detailed further guidance.
+
+3. URN
+
+See Section VI. V3.0 Reference Model Features Not Used in the ULDDS.
+
+4. Context
+
+As for the data points and containers, the “Context” column shows 1) how many times
+and 2) where the attribute is used in the V3.0 Reference Model. The number of times
+the attribute is used is indicated first as a “Count,” which is the number of parents this
+attribute has within the V3.0 Reference Model. The Count is followed by an
+alphabetical list of the parent containers prefaced by, “Used in: CONTAINER_NAME”
+and followed by “as: AttributeName.” When an attribute 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 attribute will not be clear.
+
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 23 of 76
+
+Section III. Using the MISMO v3.0 Logical Data Dictionary
+
+Example III-17. MISMO LDD Attribute Context.
+
+Attribute: MISMOReferenceModelIdentifier
+Definition: The MISMO Reference Model Identifier is a unique value that
+
+represents the version of the MISMO reference model to which the containing
+XML instance document complies.
+
+Container URN Suffix:
+urn:org:MISMO:residential:2009:LDD:MISMOReferenceModelIdentifier
+Context
+
+Count=3
+ Used in: DEAL as: MISMOReferenceModelIdentifier
+ Used in: DOCUMENT as: MISMOReferenceModelIdentifier
+ Used in: MESSAGE as: MISMOReferenceModelIdentifier
diff --git a/chunks/txt/b15320d26d1970d800b459d049a259ea2422f21e9d00e0c1d412f5a2fd0a30e5.txt b/chunks/txt/b15320d26d1970d800b459d049a259ea2422f21e9d00e0c1d412f5a2fd0a30e5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4f67a6da3b04c7b78a45fb77e59df44c76a1bc8e
--- /dev/null
+++ b/chunks/txt/b15320d26d1970d800b459d049a259ea2422f21e9d00e0c1d412f5a2fd0a30e5.txt
@@ -0,0 +1,74 @@
+Project Amenity Ownership: The unit’s ownership of the amenity (e.g., whether
+the amenity is assigned to the unit or unassigned and first-come, first-served).
+•
+•
+•
+
+Assigned (designated to a specific unit)
+Owned (deeded to a specific unit)
+Unassigned (designated to project occupants on a first-come, first-served
+basis)
+Other (Describe)
+
+•
+
+None (No utilities included in the association fees)
+Electricity
+Gas
+Sanitary Sewer
+
+Utilities included in the unit’s association fees.
+•
+•
+•
+•
+• Water
+•
+
+Other (Describe) – Do not include Common Amenities/Services here.
+
+Appendix F-1: URAR Reference Guide
+
+Page 185 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+18 Project Information
+
+Allowable Answer
+
+Definition / Additional Guidance
+
+Common Amenities / Services Included (Choose all that apply)
+
+None
+
+Airstrip
+
+Beach
+
+Boat Ramp
+
+Boat Slip
+
+Note: Choose this answer if there are no common amenities or services.
+
+A shared amenity for the take-off and landing of aircraft that serves the project or community.
+
+A strip of land separating a body of water from inland areas, typically used for recreation or leisure purposes.
+
+A form of access to launch watercraft into the water.
+
+A docking point on water for storage and / or parking of watercraft.
+Note: Choose this answer if the boat slip is assigned by the project and included in the mandatory fee.
+
+Building Maintenance
+
+Upkeep and / or repair for all dwellings and structures (e.g., roof, siding, windows, doors, interior common areas).
+
+Built-in Pool
+
+A self-contained and manufactured area built into a structure and designed to be filled with water designated for
+swimming and other aquatic uses (e.g., rooftop pools or other pools that are not inground).
diff --git a/chunks/txt/b16eef9c8ad850a27c6f970e4ac91a682f3a72f437f198140bd986a6abd3f06a.txt b/chunks/txt/b16eef9c8ad850a27c6f970e4ac91a682f3a72f437f198140bd986a6abd3f06a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c83ffc18d71627a5a845de91525c6b89b4a08052
--- /dev/null
+++ b/chunks/txt/b16eef9c8ad850a27c6f970e4ac91a682f3a72f437f198140bd986a6abd3f06a.txt
@@ -0,0 +1,35 @@
+Fannie Mae
+Implementation Guide for Loan Delivery Data
+
+Document Version 3.0.1
+
+Version: June 2018
+
+Document Updates
+The Implementation Guide for Loan Delivery Data (Implementation Guide) is authored by Fannie Mae. This
+document is intended for approved Fannie Mae sellers registered for Loan Delivery and other industry
+participants, including third-party technology solution providers that currently support the loan delivery XML file
+for Fannie Mae. The updates documented here are required under the Uniform Mortgage Data Program ®,
+through which Fannie Mae and Freddie Mac implemented the Uniform Loan Delivery Dataset (ULDD) under the
+direction of the Federal Housing Finance Agency.
+
+The Implementation Guide will be updated as needed with sufficient notice before the changes are
+effective. To learn about future updates to the Implementation Guide:
+
+ Sign up for Fannie Mae’s Single-Family alerts at
+
+https://www.fanniemae.com/s/profile/notification?cmpid=EMAIL_PROMO.
+
+ Visit the Fannie Mae’s Loan Delivery Data Requirements page available on
+
+FannieMae.com at https://www.fanniemae.com/singlefamily/uniform-loan- delivery-
+dataset-uldd to download the latest Implementation Guide.
+
+© 2018 Fannie Mae. Trademarks of respective ow ners. MISMO is a registered trademark of the Mortgage Industry
+Standards Maintenance Organization. W3C is a registered trademark of the World Wide Web Consortium.
+
+© 2018 Fannie Mae. Trademarks of Fannie Mae.
+
+June 2018 | 2 of 22
+
+Table of Contents
diff --git a/chunks/txt/b177c06da3959d5e5a7b354cd3e12b75ac954b1b373c888121fd9f4589c39479.txt b/chunks/txt/b177c06da3959d5e5a7b354cd3e12b75ac954b1b373c888121fd9f4589c39479.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3e2ea83fae132bc227935a4edb05da1bd27cdccb
--- /dev/null
+++ b/chunks/txt/b177c06da3959d5e5a7b354cd3e12b75ac954b1b373c888121fd9f4589c39479.txt
@@ -0,0 +1,246 @@
+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)
+
+0 Sq. Ft.
+
+$28,160
+
+500 Sq. Ft.
+
+$8,160
+
+0 Sq. Ft.
+
+$28,160
+
+Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Exterior Quality and Condition
+
+Quality
+
+Exterior Walls and Trim
+
+Roof
+
+Condition
+
+Q4
+
+Aluminum
+
+Composition
+
+C4
+
+Q4
+
+Vinyl
+
+Composition
+
+C3
+
+Q4
+
+Vinyl
+
+Composition
+
+C3
+
+Q4
+
+Aluminum
+
+Composition
+
+C3
+
+Appraiser Reference ID AA12345 Client Reference ID AD43201 AMC Reference ID ABC123Appraisal Version #1Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 17 of 22
+Page 17 of 22
diff --git a/chunks/txt/b17f35db049870a358d1475cfac43d2c5e36f81008cbf4b0f5faf180a9bb5cba.txt b/chunks/txt/b17f35db049870a358d1475cfac43d2c5e36f81008cbf4b0f5faf180a9bb5cba.txt
new file mode 100644
index 0000000000000000000000000000000000000000..20c8c5c3e4072e9d1b9cae9a03e7e16d2beb5654
--- /dev/null
+++ b/chunks/txt/b17f35db049870a358d1475cfac43d2c5e36f81008cbf4b0f5faf180a9bb5cba.txt
@@ -0,0 +1,58 @@
+1800.0375 RELATIONSHIP
+
+1800.0376 RELATIONSHIP
+
+1800.0084 PROPERTY
+
+0700.0124 DATA_SOURCE
+
+@xlink:from
+
+@xlink:to
+
+@xlink:label
+
+@xlink:label
+
+DATA_SOURCE_n
+
+PROPERTY_n
+
+PROPERTY_n
+
+DATA_SOURCE_n
+
+Refer to the section Arcrole/Data Relationships in the MISMO XML Version 3.6 chapter for additional information.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+23 Rental Information
+
+Page 298
+
+The Rental Information section includes information about the factors that influence rent and generate other income for the subject
+property and its rental comparables. This section provides space for commentary and exhibits.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 299
+
+The Rental Information section displays when RentScheduleIndicator (UID: 1000.0031, FID: Not on report) = "true".
+
+A subject property unit (including an ADU) is included in the Rental Information section when UnitIncludedInRentScheduleIndicator (UID:
+0700.0065, FID: Not on report) = "true".
+
+When there is an Income Approach included in the appraisal, Rental Information must be included.
+
+Rent Schedule
+
+The Rent Schedule subsection always displays when the Rental Information section displays. It contains information about the subject
+property only.
+
+Subject Property Rental Information
+
+The Subject Property Rental Information subsection always displays when the Rental Information section displays.
+
+• For each subject property unit where UnitIncludedInRentScheduleIndicator (UID: 0700.0065, FID: Not on report) = “true”, a new row
+
+displays in the table. The Unit Identifier (FID: 23.01.01) displays as the row header.
diff --git a/chunks/txt/b1821c8f4f7ce0ed93e7c33e61dbd68ee49d2d6244e6d1a458199d6e363a749a.txt b/chunks/txt/b1821c8f4f7ce0ed93e7c33e61dbd68ee49d2d6244e6d1a458199d6e363a749a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9dd16063a9fba127c0c8c5c72d5b64e128bec2e8
--- /dev/null
+++ b/chunks/txt/b1821c8f4f7ce0ed93e7c33e61dbd68ee49d2d6244e6d1a458199d6e363a749a.txt
@@ -0,0 +1,84 @@
+14.002
+
+Other (Describe)
+
+0200.0046
+
+AmenityType
+
+When AmenityCategoryType = “Miscellaneous” AND AmenityType = “Other”, display
+AmenityTypeOtherDescription
+
+Page 223
+
+In Figure 14 - 3, the Amenity Category (Outdoor Living) has more than one AmenityType, and the Amenity Category displays merged. This
+example has a patio, a porch, and multiple decks. Subject Property Amenity displays merged for the decks. Material and Detail display for
+each instance and do not display merged.
+
+Figure 14 - 3
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 224
+
+Report
+Field ID
+
+Report
+Label
+
+Unique ID MISMO Data Point Name
+
+Display Rules
+
+Subject Property Amenities: General Information - Material & Detail Conditionality
+
+14.003 Material
+
+0200.0021 AmenityMaterialType
+
+14.003 Material
+
+0200.0030 AmenityMaterialType
+
+14.003 Material
+
+0200.0005
+0200.0037
+0200.0044
+
+AmenityMaterialType
+
+14.004
+
+Detail
+
+0200.0036
+0200.0058
+
+AmenityCount
+AmenityAreaMeasure
+
+Material may be provided; however, it is required when:
+
+-
+
+-
+
+AmenityCategoryType = “OutdoorLiving” AND (AmenityType = “Balcony” OR “Deck” OR “Gazebo”
+OR “Patio” OR “Porch”)
+Material may be provided; however, it is required when:
+
+AmenityCategoryType = “WaterFeatures” AND AmenityType = “IngroundPool”
+
+Material may be provided when AmenityCategoryType = “OutdoorAccessories” OR "WholeHome"
+OR “Miscellaneous”
+
+Detail may be provided; however, it is required when:
+
+AmenityCategoryType = “WholeHome” AND AmenityType = “IndoorFireplace” OR “WoodStove”
+
+-
+o Display as "Total Number - " followed by the value. (Figure 14 - 4)
+
+Detail may be provided; however, it is required when:
diff --git a/chunks/txt/b187ab31d93641d7c3cdf82b74a6079739f37d160659f347cec9fcc51f153476.txt b/chunks/txt/b187ab31d93641d7c3cdf82b74a6079739f37d160659f347cec9fcc51f153476.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b39f88958dc4abb4e3300ee3fc691994b2ddb4b0
--- /dev/null
+++ b/chunks/txt/b187ab31d93641d7c3cdf82b74a6079739f37d160659f347cec9fcc51f153476.txt
@@ -0,0 +1,51 @@
+Container URN Suffix:
+
+urn:org:MISMO:residential:2009:LDD: INTEREST_LIFETIME_ADJUSTMENT_RULE
+
+Notes: The URN Suffix is another way of identifying the container. This is formed as
+
+“MISMO Name Space: CONTAINER.”
+
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 62 of 76
+
+Section VI. V3.0 Reference Model Features Not Used in ULDDS
+
+C. Attributes
+1. URN
+
+In the same way as for data points and their enumerations and containers, a “URN”
+column is included in the LDD for every attribute. The URN is simply the MISMO
+Name Space in URN Form, followed by a colon, then the attribute name, all without
+spaces. This is another representation of the attribute. Business partners usually do
+not need to refer to this column.
+
+Example VI-4. MISMO LDD Attribute URN Suffix.
+
+Attribute: LoanRoleType
+Definition: Used as an attribute on LOAN to distinguish subject loans from related
+
+loans.
+
+Container URN Suffix:
+
+urn:org:MISMO:residential:2009:LDD:LoanRoleType
+
+Notes: The URN Suffix is another way of identifying the attribute. This is formed as
+
+“MISMO Name Space:Attribute.”
+
+D. Arc Roles
+
+The relationships of data points and containers are handled through containment; that is,
+there can be a one-to-one or one-to-many relationship between the container and each
+container and data point within.
+
+An example of how the containment concept is implemented in ULDDS Appendix A is
+with the PARTY container. Each PARTY container holds information about one party to a
+transaction, as specified by the PartyRoleType. If the value of PartyRoleType is
+“Borrower,” all the data points within the parent PARTY container pertain to that one
+borrower and no one else.
diff --git a/chunks/txt/b19b3a6480d0ef7e51562fb057286a1bc6427f954d332b3313a1808680ad8c81.txt b/chunks/txt/b19b3a6480d0ef7e51562fb057286a1bc6427f954d332b3313a1808680ad8c81.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fe93a235abfb07b9a23c313030f70393d48734fb
--- /dev/null
+++ b/chunks/txt/b19b3a6480d0ef7e51562fb057286a1bc6427f954d332b3313a1808680ad8c81.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/reports/no-fear-report"
+date_accessed: "2026-01-27T17:48:04.332Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/b1a416dd1cb82650fe0e1c9b4fa018c50e026ce445f56846de4650d7169f3afd.txt b/chunks/txt/b1a416dd1cb82650fe0e1c9b4fa018c50e026ce445f56846de4650d7169f3afd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d82bc0499b479dcf1e694dc05018715c818793b4
--- /dev/null
+++ b/chunks/txt/b1a416dd1cb82650fe0e1c9b4fa018c50e026ce445f56846de4650d7169f3afd.txt
@@ -0,0 +1,21 @@
+Two ArcRoles have been established specifically for enabling the ‘Income Calculator’ messages in DU. The
+DU:VerificationReportSupplierType is ‘IncomeCalculator, the DU:VerificationReportType is ‘IncomeCalculator’, and 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).
+
+Lender Activation
+
+During the introductory period, lenders must opt-in to receive the new DU messages. Please review the FAQs for additional
+information.
+
+Testing/Support
+
+Sample request files are available on the Technology Integration Resources webpage (see ‘Desktop Underwriter’). When you are
+ready to begin testing, please contact income_calculator@fanniemae.com to secure testing documentation.
+
+If you have questions about the integration impact or if you require support specific to this release, contact
+income_calculator@fanniemae.com, your Technology Integration Analyst, or Integration Support.
+
+© 2025 Fannie Mae
+
+8.20.25 1 of 1
diff --git a/chunks/txt/b1a5461475c78d46b2aa0fa91e81785b6fedf46f15c4b2a9d600b69e4ccdf524.txt b/chunks/txt/b1a5461475c78d46b2aa0fa91e81785b6fedf46f15c4b2a9d600b69e4ccdf524.txt
new file mode 100644
index 0000000000000000000000000000000000000000..411996b444badd4dc4d5a625a6fd4d23b658460c
--- /dev/null
+++ b/chunks/txt/b1a5461475c78d46b2aa0fa91e81785b6fedf46f15c4b2a9d600b69e4ccdf524.txt
@@ -0,0 +1,40 @@
+Appendix B-1: URAR Implementation Guide v1.3
+
+Subject Property
+
+ValuationUseType must be populated as “SubjectProperty” for the instance of the PROPERTY container that captures data about the
+subject property.
+
+The following example illustrates instance of the PROPERTY container representing the subject property.
+
+Page 33
+
+Sales Comparable
+
+The data associated with each comparable property used in the Sales Comparison Approach must be provided in an instance of the
+PROPERTY container with ValuationUseType populated as “SalesComparable”. The following example illustrates an instance of the
+PROPERTY container representing a Sales Comparable.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 34
+
+Land Comparable
+
+The data associated with each comparable property used in the Cost Approach must be provided in an instance of the PROPERTY container
+with ValuationUseType populated as “LandComparable”.
+
+Rental Comparable
+
+The data associated with each comparable property used in the Comparable Rental Analysis must be provided in an instance of the
+PROPERTY container with ValuationUseType populated as “RentalComparable”.
+
+Property Analyzed Not Used
+
+The ValuationUseType attribute must be populated as “PropertyAnalyzedNotUsed” on an instance of the PROPERTY container that has data
+about the property that was considered by the appraiser for inclusion in the Sales Comparison Approach, but not used.
+
+Gross Rent Multiplier Comparable
+
+ValuationUseType must be populated as “GrossRentMultiplierComparable” for each comparable property used to determine the gross rent
+multiplier for the Income Approach.
diff --git a/chunks/txt/b1a7be57a3e3d502a2ed7546731112245fc86e12860bd699b7f647d3d44cdca8.txt b/chunks/txt/b1a7be57a3e3d502a2ed7546731112245fc86e12860bd699b7f647d3d44cdca8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..34beb3aa8f535cbcde1fd348e4d823d2e9edb53d
--- /dev/null
+++ b/chunks/txt/b1a7be57a3e3d502a2ed7546731112245fc86e12860bd699b7f647d3d44cdca8.txt
@@ -0,0 +1,138 @@
+$300.00
+
+Figure 105. Adjustments to Items Paid Already by or on Behalf of Borrower at Closing
+
+The data points used to provide this information are shown in the table below. Only one Adjustment item is
+shown in the illustration. If more adjustments are part of the transaction, repeat CLOSING_ADJUSTMENT for
+each item.
+
+Table 121. Adjustments to Items Paid Already by or on Behalf of Borrower at Closing
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0
+Value
+
+Notes
+
+12.7.1
+
+Relocation Funds
+($)
+
+12.7
+
+N/A
+
+…/CLOSING_ADJUS
+TMENT_ITEM_DETA
+IL
+
+ClosingAdjustmentIt
+emAmount
+
+300.00
+
+ClosingAdjustmentIt
+emPaidOutsideOfCl
+osingIndicator
+
+false
+
+Relocation Funds
+
+12.7
+
+ClosingAdjustmentIt
+emType
+
+RelocationFunds
+
+ROF as “$300.00”
+
+Not reflected on
+form unless “true”
+
+ROF as “Relocation
+Funds from
+Employer, Inc.”
+
+Appendix E: UCD Implementation Guide
+
+Page 178 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+12.0 L. Paid Already by or on Behalf of Borrower at Closing
+
+Table 121. Adjustments to Items 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
+
+Notes
+
+@gse:DisplayLabelT
+ext
+
+Relocation Funds
+from Employer, Inc.
+
+IntegratedDisclosur
+eSectionType
+
+PaidAlreadyByOrOn
+BehalfOfBorrowerA
+tClosing
+
+Since this is a string
+field, the text is
+represented on the
+form exactly as
+provided.
+
+Not Shown
+
+IntegratedDisclosur
+eSubsectionType
+
+Adjustments
+
+Not Shown
+
+FullName
+
+Employer, Inc.
+
+ROF as “from
+Employer, Inc.”
+
+12.7
+
+N/A – XML
+
+12.7
+
+N/A - XML
+
+12.6
diff --git a/chunks/txt/b1aee8ff40fe3e20bfbe372343f06c07ed0dd9e46846d9c150259c71d8ece067.txt b/chunks/txt/b1aee8ff40fe3e20bfbe372343f06c07ed0dd9e46846d9c150259c71d8ece067.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a0d137236ffef82f4319aca44d21372fe463f8ef
--- /dev/null
+++ b/chunks/txt/b1aee8ff40fe3e20bfbe372343f06c07ed0dd9e46846d9c150259c71d8ece067.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/about/careers"
+date_accessed: "2026-01-27T17:47:50.317Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/b1b07d7eb9f6ff9f583c72759f485614aed41200fbdcc9684b41b8dffe4b536c.txt b/chunks/txt/b1b07d7eb9f6ff9f583c72759f485614aed41200fbdcc9684b41b8dffe4b536c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e3b6701dcf5be690b6971cbc58107a3fd1862844
--- /dev/null
+++ b/chunks/txt/b1b07d7eb9f6ff9f583c72759f485614aed41200fbdcc9684b41b8dffe4b536c.txt
@@ -0,0 +1,24 @@
+2 Uniform Residential Appraisal Report
+
+File # 3
+
+4 4a
+
+This report form is designed to report an appraisal of a one-unit property or a one-unit property with an accessory unit;
+including a unit in a planned unit development (PUD). This report form is not designed to report an appraisal of a
+manufactured home or a unit in a condominium or cooperative project.
+
+This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value,
+statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended
+use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may
+expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal
+assignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do
+not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser’s
+continuing education or membership in an appraisal organization, are permitted.
+
+SCOPE OF WORK: The scope of work for this appraisal is defined by the complexity of this appraisal assignment and the
+reporting requirements of this appraisal report form, including the following definition of market value, statement of
+assumptions and limiting conditions, and certifications. The appraiser must, at a minimum: (1) perform a complete visual
+inspection of the interior and exterior areas of the subject property, (2) inspect the neighborhood, (3) inspect each of the
+comparable sales from at least the street, (4) research, verify, and analyze data from reliable public and/or private sources,
+and (5) report his or her analysis, opinions, and conclusions in this appraisal report.
diff --git a/chunks/txt/b1b3b8a04e83172a375efb8ac53f2ce263c16aa2a9a63c53267b87aaa99f9554.txt b/chunks/txt/b1b3b8a04e83172a375efb8ac53f2ce263c16aa2a9a63c53267b87aaa99f9554.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b3364190374967c5fbb49fe59e72d73ad88bf34b
--- /dev/null
+++ b/chunks/txt/b1b3b8a04e83172a375efb8ac53f2ce263c16aa2a9a63c53267b87aaa99f9554.txt
@@ -0,0 +1,59 @@
+93 LEI is reported both as part of the ULI under
+12 CFR 1003.4(a)(1) and in the HMDA transmittal
+sheets under 12 CFR 1003.5(a)(3)(vii). The
+Enterprises do not collect HMDA transmittal sheets,
+so they currently collect the LEI only via the ULI.
+
+94 84 FR at 657, 660.
+95 80 FR at 66197–66198.
+96 12 CFR 1003.4(a)(12).
+97 FHFA 2010 Order, 75 FR at 41185 (adding a
+Rate Spread data element to the PUDB that aligned
+with the HMDA 2010 definition).
+
+Reverse Mortgage, Open-End Line of
+Credit, and Prepayment Penalty Term:
+Reverse Mortgage indicates that the loan
+was a reverse mortgage.98 Open-End
+Line of Credit indicates an open-end
+line of credit secured by a dwelling,
+such as a home equity line of credit.99
+Prepayment Penalty Term discloses the
+length of any prepayment penalty term
+during which a charge is imposed for
+pre-paying all or part of the principal
+prior to the contractual due date.100 The
+Enterprises do not collect these new
+HMDA data elements because they
+relate to loan types the Enterprises do
+not purchase and, thus, are not available
+for reporting. Accordingly, these data
+elements are not available for inclusion
+in the Single-Family PUDB.
+
+Business or Commercial Purpose:
+
+Business or Commercial Purpose
+indicates whether the loan was used for
+a business or commercial primary
+purpose.101 The Enterprise data
+partially aligns with the Business or
+Commercial Purpose definition in
+Regulation C. The Enterprises do not
+collect the data needed to determine
+whether principal or second residence
+single-family loans are Business or
+Commercial Purpose under Regulation
+C.102 FHFA will not require the
+Enterprises to collect this data solely to
+populate the PUDB. However, all
+Enterprise single-family investor loans
+are, by definition, Business or
+Commercial Purpose under Regulation
+C.103 Because the single-family investor
+loan data is already captured in other
+PUDB data elements (Number of Units
+and Occupancy Code (Investment
+Property)), a separate Business or
+Commercial Purpose data element will
+not be added to the PUDB.
diff --git a/chunks/txt/b1b6fb634d584dfb5f7b8f5cbb6c23c84a2a9892f761ab9a7a8f67b93d62d343.txt b/chunks/txt/b1b6fb634d584dfb5f7b8f5cbb6c23c84a2a9892f761ab9a7a8f67b93d62d343.txt
new file mode 100644
index 0000000000000000000000000000000000000000..28b26e277909481ee66a2ff038f416fa975ed42e
--- /dev/null
+++ b/chunks/txt/b1b6fb634d584dfb5f7b8f5cbb6c23c84a2a9892f761ab9a7a8f67b93d62d343.txt
@@ -0,0 +1,37 @@
+The lender must use Fannie Mae/Freddie Mac uniform instruments to document the permanent mortgage. These documents may
+not be altered to include any reference to construction of the property, other than any alteration that Fannie Mae specifically
+requires.
+
+Attached units in a condo project and all co-op properties are ineligible for construction-to-permanent financing. Detached units
+in condo projects are permitted for construction-to-permanent financing, including manufactured homes in a condo project
+(subject to applicable project review requirements).
+
+For guidance on data entry for construction-to-permanent transactions in DU, see the related Desktop Underwriter Job Aid.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 166 of 166
+
+UAD 3.6 Policy
+
+SB5-3.1-02, Conversion of Construction-to-Permanent Financing: Single-
+Closing Transactions (11/05/2025)
+
+Introduction
+
+This topic contains information on construction-to-permanent financing loan eligibility for single-closing transactions, including:
+
+•
+Single-Closing Transaction Overview
+•
+Terms of Construction Loan Period for Single-Closing Construction-to-Permanent Mortgages
+•
+Eligible Loan Purposes for Single-Closing Construction-to-Permanent Mortgages
+• Calculating the LTV Ratio for Single-Closing Construction-to-Permanent Mortgages
+• Down Payment Requirements for Single-Closing Purchase Transactions
+• Modifications of Single-Closing Construction-to-Permanent Mortgages
+• Underwriting Single-Closing Construction-to-Permanent Mortgages
+• Age of Credit Documents
+• Age of Appraisal Documents
+• Requalification Requirements
+•
diff --git a/chunks/txt/b1be41fbe008710c9a9a4a8f46df525ca3dec4d71a864639731f17b4981b2adf.txt b/chunks/txt/b1be41fbe008710c9a9a4a8f46df525ca3dec4d71a864639731f17b4981b2adf.txt
new file mode 100644
index 0000000000000000000000000000000000000000..3602adbcd43a7967e36ae4e3682a7bb9878ce42e
--- /dev/null
+++ b/chunks/txt/b1be41fbe008710c9a9a4a8f46df525ca3dec4d71a864639731f17b4981b2adf.txt
@@ -0,0 +1,52 @@
+The sum of this field 3-103 and fields (3-60,
+3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3-
+76, 3-78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91,
+3-93, 3-95, 3-97, 3-99, 3-101, 3-105, 3-107,
+3-109, 3-111) must add up to Net
+Adjustment field 3-116.
+
+The sum of this field 3-105 and fields (3-60,
+3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3-
+76, 3-78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91,
+3-93, 3-95, 3-97, 3-99, 3-101, 3-103, 3-107,
+3-109, 3-111) must add up to Net
+Adjustment field 3-116.
+
+The sum of this field 3-107 and fields (3-60,
+3-62, 3-64, 3-66, 3-68, 3-70, 3-72, 3-74, 3-
+76, 3-78, 3-80, 3-82, 3-84, 3-86, 3-87, 3-91,
+3-93, 3-95, 3-97, 3-99, 3-101, 3-103, 3-105,
+3-109, 3-111) must add up to Net
+Adjustment field 3-116.
+
+If field 3-44 is populated, then this field
+should be populated.
+
+CR
+
+CR
+
+T
+
+CR
+
+T
+
+CR
+
+R
+
+CR
+
+R
+
+CR
+
+T
+
+CR
+
+T
+
+Form FNM 1075 FRE 466
+Appendix B: GSE Appraisal Forms Mapping
diff --git a/chunks/txt/b1be6050eb8612d491f069437d61b594fd229a212cff73f09699c8d72170ca30.txt b/chunks/txt/b1be6050eb8612d491f069437d61b594fd229a212cff73f09699c8d72170ca30.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d8a0d9d7250b80889fe44e69f9497008b7bc62a1
--- /dev/null
+++ b/chunks/txt/b1be6050eb8612d491f069437d61b594fd229a212cff73f09699c8d72170ca30.txt
@@ -0,0 +1,79 @@
+The report must be made subject to the resolution of the item
+(Market Value Condition 26.009 cannot be As Is).
+If Repair is selected, the estimated cost to repair may be provided in
+the Reconciliation section.
+
+Vehicle Storage Commentary
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+13.010 Vehicle Storage
+
+If applicable
+
+Free-form
+
+Commentary
+
+Definition / Additional Guidance
+
+Commentary could include information pertinent to the Vehicle Storage
+section that is not captured in the discrete data, or additional details to support
+the discrete data that is provided.
+
+Vehicle Storage Exhibits
+
+All photos or images related to the Vehicle Storage section are displayed in the Vehicle Storage Exhibits
+subsection. If there are no photos or images, this subsection does not display.
+
+Vehicle Storage Exhibits
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+See
+iGuide
+
+Vehicle Storage
+Exhibits
+
+If applicable
+
+Photos or images
+
+Definition / Additional Guidance
+
+Photos relevant to the Vehicle Storage section may be provided, which display
+in Vehicle Storage 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 165 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+14 Subject Property Amenities
+
+14 Subject Property Amenities
+
+The Subject Property Amenities section provides information about the amenities on the property, whether on
+the site or inside dwelling(s) or outbuilding(s). The section provides space for additional commentary, exhibits,
+and any apparent defects, damages, or deficiencies.
diff --git a/chunks/txt/b1dca5426c3dc03f804975bc4875fe66c23c9248db0e45cfd2f707dc393e92cf.txt b/chunks/txt/b1dca5426c3dc03f804975bc4875fe66c23c9248db0e45cfd2f707dc393e92cf.txt
new file mode 100644
index 0000000000000000000000000000000000000000..96a4c4262c59a6dcb7c76a7450aa7604e473daaf
--- /dev/null
+++ b/chunks/txt/b1dca5426c3dc03f804975bc4875fe66c23c9248db0e45cfd2f707dc393e92cf.txt
@@ -0,0 +1,74 @@
+•
+
+•
+•
+•
+•
+
+•
+
+SFC 215
+SFC 279
+SFC 375 and
+SFC 773
+
+SFC 375
+
+• when the renovation is not complete
+
+•
+
+the loan is delivered with recourse
+
+•
+
+SFC 215
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 174 of 166
+
+UAD 3.6 Policy
+
+• when the renovation is complete
+
+• no recourse obligation applies
+
+•
+
+SFC 279
+
+If the renovation includes…
+
+Then…
+
+And the lender must deliver…
+
+Removal of Recourse
+
+For loans delivered with recourse, the lender may request the recourse obligation be removed when the renovation is complete.
+The following criteria will be applicable to the removal of recourse:
+
+• Recourse will not be removed if the loan is delinquent when the lender requests removal.
+•
+
+If the borrower was 1 x 30 days delinquent at any point during the renovation work, but is current when removal is
+requested, the recourse may be removed.
+If the borrower had more than one 30 day delinquency or was ever 60 - 90 days delinquent, the lender may request
+recourse removal after the borrower has made 36 payments with no delinquencies.
+
+•
+
+To request removal of recourse, the lender must submit a Restricted Appraisal Update Report and/or Completion Report to Loan
+Quality Connect. Submissions must meet the following requirements:
+
+•
+
+The Fannie Mae loan number(s) must be identified in the request and attached documents must have the loan numbers
+in the title.
+
+• Documents must be clear and complete. For example, photos must be provided as exhibits to verify completed
+
+renovations with all submissions.
+
+See SB5-3.2-05, HomeStyle Renovation Mortgages: Completion Report, for additional information.
diff --git a/chunks/txt/b1e0ab75371c2021de011862eac65f55f7a24ba4b865e8974f99ca169b3639d7.txt b/chunks/txt/b1e0ab75371c2021de011862eac65f55f7a24ba4b865e8974f99ca169b3639d7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..43e8661c27b14e9b095ea69e6a10f6211782f770
--- /dev/null
+++ b/chunks/txt/b1e0ab75371c2021de011862eac65f55f7a24ba4b865e8974f99ca169b3639d7.txt
@@ -0,0 +1,94 @@
+Cost Approach Commentary
+
+Cost Approach Exhibits
+
+Cost Method
+Depreciation Method
+
+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
+
+Reconciliation
+
+Approaches to Value
+
+Indicated Value
+
+Reason for Exclusion
+
+Sales Comparison Approach
+
+Income Approach
+
+Cost Approach
+
+Appraisal Summary
+
+Contract Price
+Opinion of Market Value
+
+Pro Rata Share Calculation Method
+
+Market Value Condition
+
+Final Value Condition Statement
+
+(Cooperative Interest)
+
+Reasonable Exposure Time
+Effective Date of Appraisal
+FHA REO Insurability Level
+
+The market value represents the cooperative interest. The cooperative interest is the equity portion that is over and above the pro rata share of the
+blanket mortgage(s).
+
+Client Requested Conditions
+
+Value Condition
+
+Marketing or Exposure Time
+
+Duration
+
+Alternate Opinion of Value
+
+Requested Condition Commentary
+
+Reconciliation of Market Value
+
+Apparent Defects, Damages, Deficiencies
+
+The items listed below represent the As Is condition as of the effective date of this report
+
+Affects Soundness
+or Structural
+Integrity
+
+Recommended
+Action
+
+Estimated Cost
+to Repair
+
+Feature
+Site
+
+Location
+
+Description
+
+Dwelling Exterior - [Structure Identifier]
+
+Unit Interior - [Structure Identifier] - [Unit Identifier]
+
+Outbuilding - [Outbuilding Type]
+
+Unit Interior - [Outbuilding Type] - [Unit Identifier]
+
+Vehicle Storage
+
+Subject Property Amenities
+
+As Is Overall Condition Rating
+
+Existing condition of the property as of the effective date of this
+appraisal, excluding all required repairs, alterations, or inspections
diff --git a/chunks/txt/b1f22bbb4a9b0ac1477e889f3c6854ce66a5802b6069baca0d9695124c2088aa.txt b/chunks/txt/b1f22bbb4a9b0ac1477e889f3c6854ce66a5802b6069baca0d9695124c2088aa.txt
new file mode 100644
index 0000000000000000000000000000000000000000..edc7f49e73dbbb52cb233c3801b6b5cd4834fd28
--- /dev/null
+++ b/chunks/txt/b1f22bbb4a9b0ac1477e889f3c6854ce66a5802b6069baca0d9695124c2088aa.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/201&order=field_release_date&sort=asc) Report Attachment February 14, 2025 [2025 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2025) [Read Report](/document/FHFA-2025-Chief-FOIA-Officer-Report.pdf) April 08, 2024 [2024 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2024) [Read Report](/document/fhfa-2024-chief-foia-officer-report) March 10, 2023 [2023 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2023) [Read Report](/document/2023-fhfa-chief-foia-officer-report) March 22, 2022 [2022 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2022) [Read Report](/media/30521) March 12, 2021 [2021 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2021) [Read Report](/media/30181) March 11, 2020 [2020 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2020) [Read Report](/media/30146) March 07, 2019 [2019 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2019) [Read Report](/media/29941) March 13, 2018 [2018 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2018) [Read Report](/media/29851) March 13, 2017 [2017 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2017) [Read Report](/media/25396) March 14, 2016 [2016 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2016) [Read Report](/media/30291) March 16, 2015 [2015 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2015) [Read Report](/media/25206) March 11, 2014 [2014 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2014) [Read Report](/media/24891) February 27, 2013 [2013 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2013) [Read Report](/media/24966) March 12, 2012 [2012 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2012) [Read Report](/media/24961) March 08, 2011 [2011 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2011) [Read Report](/media/24941) March 22, 2010 [2010 FHFA Chief FOIA Officer Report](/reports/chief-foia-officer-report/2010) [Read Report](/media/24846)
diff --git a/chunks/txt/b1fe5635772c78415bdf1ae97c862712d022200adbe01b314614aa7a06b0a0bd.txt b/chunks/txt/b1fe5635772c78415bdf1ae97c862712d022200adbe01b314614aa7a06b0a0bd.txt
new file mode 100644
index 0000000000000000000000000000000000000000..10316fd34e0c3ddc3022eebfb941e283bb2452ae
--- /dev/null
+++ b/chunks/txt/b1fe5635772c78415bdf1ae97c862712d022200adbe01b314614aa7a06b0a0bd.txt
@@ -0,0 +1,93 @@
+11
+
+6
+
+ami_hud
+
+Area Median Family
+Income (2024)
+
+999999 = Not available
+
+12
+
+9
+
+upb_acq
+
+Acquisition Unpaid
+Principal Balance (UPB)
+
+999999999 = Not available
+
+The ratio of the 2020 census tract median
+income to the local area median income. This
+field is not required for calculating
+performance for the multifamily housing goal
+or subgoal. It is provided here for
+informational purposes.
+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.
+
+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.
+
+MF CTF
+
+40
+
+Federal Housing
+Finance Agency
+
+Field # Field
+Width
+1
+
+13
+
+Enterprise Public Use Database Data Dictionary
+Data Release of 2024 Acquisitions
+
+Multifamily Properties
+Census Tract File
+
+Header Name
+
+Field Name
+
+Values
+
+Description / Comments
+
+purpose_ctf
+
+Purpose of Loan
+
+Purpose of loan reported by the Enterprise.
+
+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/other
+
+14
+
+1
+
+seller_type_mf_ctf
+
+Type of Seller Institution 1 = Mortgage company
diff --git a/chunks/txt/b1ff77c00141e9905b23258da36b26244906f0ab943902b36df321dd12932217.txt b/chunks/txt/b1ff77c00141e9905b23258da36b26244906f0ab943902b36df321dd12932217.txt
new file mode 100644
index 0000000000000000000000000000000000000000..df85dbada5103e23cf6368af0c7df88b1aacf222
--- /dev/null
+++ b/chunks/txt/b1ff77c00141e9905b23258da36b26244906f0ab943902b36df321dd12932217.txt
@@ -0,0 +1,93 @@
+Figure 04 - 1
+
+05 Completion Status
+
+The Completion Status section displays when Market Value Condition from the original appraisal included “Subject to Completion Per Plans”.
+
+Page 23
+
+The content of this section varies depending on whether construction is complete and whether it was completed in accordance with the original plans and
+specifications.
+
+• Display subsection when Market Value Condition - PropertyValuationConditionalConclusionType (UID: 2800.0002, FID: 02.003) =
+
+"SubjectToCompletionPerPlans"
+
+Report
+Field ID
+
+Report Label
+
+Unique ID MISMO Data Point Name
+
+Display Rules
+
+Completion Report: Completion Status
+
+05.001
+
+Is construction complete?
+
+2800.0010
+
+PropertyImprovementsCompletedIndi
+cator
+
+Checkbox displays when
+PropertyValuationConditionalConclusionType (UID: 2800.0002,
+FID: 02.003) = "SubjectToCompletionPerPlans"
+-
+
+Images for the completed construction must be provided
+and display in Completion Report Exhibits
+
+05.002
+
+Was construction
+completed in a manner
+
+2800.0011
+
+PropertyImprovementsCompletedPer
+PlansIndicator
+
+Checkbox displays when
+PropertyImprovementsCompletedIndicator = "true"
+
+Page 24
+
+Report
+Field ID
+
+Report Label
+
+Unique ID MISMO Data Point Name
+
+Display Rules
+
+Completion Report: Completion Status
+
+consistent with the original
+plans and specifications?
+
+05.003
+
+Feature
+
+2800.0003
+
+SubjectToCompletionFeatureDescripti
+on
+
+Display when
+PropertyImprovementsCompletedPerPlansIndicator = “false”
+-
+Images for the Feature(s) Inconsistent with Original Plans
+and Specs must be provided and display in Completion
+Report Exhibits
+
+05.004
+
+Location
+
+2800.0004
diff --git a/chunks/txt/b202976c6f1db406338d83c9d81b51cabb4de417b53c3cecd2b6d0a5c7f7ce80.txt b/chunks/txt/b202976c6f1db406338d83c9d81b51cabb4de417b53c3cecd2b6d0a5c7f7ce80.txt
new file mode 100644
index 0000000000000000000000000000000000000000..145e428552479e6436a6dd7b719393ebde5a756b
--- /dev/null
+++ b/chunks/txt/b202976c6f1db406338d83c9d81b51cabb4de417b53c3cecd2b6d0a5c7f7ce80.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/policy/non-performing-re-performing-loan-sales"
+date_accessed: "2026-01-27T17:47:50.339Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/b207260c72d2c3ba787a238f91d768fa38c70b44ba402cc131a007927c9b3440.txt b/chunks/txt/b207260c72d2c3ba787a238f91d768fa38c70b44ba402cc131a007927c9b3440.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a42b8b335c9c1b1bda1b550c61e540e966ca4aa3
--- /dev/null
+++ b/chunks/txt/b207260c72d2c3ba787a238f91d768fa38c70b44ba402cc131a007927c9b3440.txt
@@ -0,0 +1,86 @@
+2021-11-12
+
+49900
+
+Sale
+
+17424
+
+124383 Whitecrest Rd
+
+Somecity
+
+Alpine
+
+12345
+
+TN
+
+3
+
+25.165176
+
+-51.328122
+
+AssessorUnformattedIdentifier
+
+ERW 12354823 - 13
+
+2021-07-15
+
+25500
+
+Sale
+
+12462
+
+235813 Anywhere St
+
+Somecity
+
+Alpine
+
+12345
+
+TN
+
+4
+
+25.165177
+
+-51.328121
+
+AssessorUnformattedIdentifier
+
+ERW 14885329 - 23
+
+2019-06-16
+
+38500
+
+Sale
+
+14000
+
+MBG 12344523
+
+Client
+
+Nowhere432159
+
+ValuationSoftwareVendor
+
+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.
+The total depreciation for the dwelling includes the attached garage. Depreciated costs were calculated on an economic age-life basis at 4% per year for the dwelling and 6% per year for the garage. Depreciated site improvements include public utility hook-ups, driveway, sidewalks, patio, and porch.
+
+Replacement
+
+ComparativeUnit
+
+201410
+
+EconomicAgeLife
+
+38500
+
+The land sale comparables were selected from sales of unimproved sites suitable for manufactured homes located within the subject's market area. Comparables #1 ($2.53 per square foot) and #2 ($2.86 per square foot) received most weight due to comparability in size and location within a mile of recreational areas that are similar to the park that is a half of mile from the subject. Comparable #3 ($2.00 per square foot) received least weight as it does not have access to public utilities and is located within a half of mile of a landfill facility. The subject's land sale in 2019 (comparable #4) was also taken into consideration. The subject's site was valued at $2.70 per square foot.
diff --git a/chunks/txt/b2287eef6bce0ab0afbd69a0bf97dd248edb57b3f7175b5322dabdf1a83eff86.txt b/chunks/txt/b2287eef6bce0ab0afbd69a0bf97dd248edb57b3f7175b5322dabdf1a83eff86.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cb99bd4292839a3765906d4806f4077148e5951e
--- /dev/null
+++ b/chunks/txt/b2287eef6bce0ab0afbd69a0bf97dd248edb57b3f7175b5322dabdf1a83eff86.txt
@@ -0,0 +1,64 @@
+Additional Resources
+
+For additional information, please reference the documents and web sites listed below.
+
+Document Name and
+Description
+
+URL
+
+Online HUD Handbook 4000.1
+
+http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing/sfh/handbook_400
+0-1
+
+HUD Mortgagee Letters
+
+https://www.hud.gov/hudclips/letters/mortgagee
+
+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 Lenders Handbook
+
+https://benefits.va.gov/warms/pam26_7.asp
+
+© 2024 Fannie Mae. Trademarks of Fannie Mae.
+
+12.18.24 1 of 2
+
+Document Name and
+Description
+
+URL
+
+VA Circulars
+
+VA Loan Limits
+
+https://www.benefits.va.gov/HOMELOANS/resources_circulars.asp
+
+https://www.va.gov/housing-assistance/home-loans/loan-limits/
+
+VA Regional Loan Centers: Contact
+Information
+
+For More Information
+
+https://www.benefits.va.gov/homeloans/contact_rlc_info.asp
+
+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).
diff --git a/chunks/txt/b2296608dc270ba3af03f0377047ffefa938ea1f633819ff273e484fd43ad996.txt b/chunks/txt/b2296608dc270ba3af03f0377047ffefa938ea1f633819ff273e484fd43ad996.txt
new file mode 100644
index 0000000000000000000000000000000000000000..fce7fa12ccfd8d5f635897931130e4ea840495b6
--- /dev/null
+++ b/chunks/txt/b2296608dc270ba3af03f0377047ffefa938ea1f633819ff273e484fd43ad996.txt
@@ -0,0 +1,217 @@
+148 Sq. Ft.
+
+$0
+
+$0
+
+Below Grade Exterior Access
+
+Walk Out
+
+Walk Up
+
+$2,000
+
+Walk Up
+
+$2,000
+
+Walk Out
+
+Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Exterior Quality and Condition
+
+Quality
+
+Exterior Walls and Trim
+
+Roof
+
+Condition
+
+Interior Quality and Condition
+
+Quality
+
+Condition
+
+Kitchen
+
+Overall Flooring
+
+Q4
+
+Vinyl
+
+Q4
+
+Vinyl
+
+Q4
+
+Vinyl
+
+Q4
+
+Vinyl
+
+Composition
+
+Composition
+
+Composition
+
+Composition
+
+C4
+
+Q4
+
+C4
+
+C4
+
+Q4
+
+C4
+
+C4
+
+Q4
+
+C4
+
+C4
+
+Q4
+
+C4
+
+Not Updated
+
+Not Updated
+
+Partially Updated
+
+Not Updated
+
+Not Updated
+
+Not Updated
+
+Not Updated
+
+Not Updated
+
+Appraiser Reference ID AA12345Client Reference ID 1234567AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024Single Family Scenario 1 (SF1)
+
+Uniform Residential Appraisal Report
+
+Page 15 of 21
+Page 15 of 21
+
+Sales Comparison Approach (continued)
+
+Property Address
+
+123 Falling Tree Ct
+Treeville, VA 12345
+
+241 Rapid Creek Ln
+Treeville, VA 12345
+
+188 Fallen Oak Ct
+Treeville, VA 12345
+
+210 Cannon Ball Rd
+Treeville, VA 12345
+
+Subject Property
+
+Comparable #1
+
+Comparable #2
+
+Comparable #3
+
+Overall Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Quality
+
+Condition
+
+Property Amenities
+
+Outdoor Living
+
+Water Features
+
+Miscellaneous
+
+Vehicle Storage
+
+Type | Spaces | Detail
+
+Summary
+
+List Price
+
+Contract Price
+
+Sale Price
+
+Net Adjustment Total
+
+Price Per Finished Area
+Above Grade
+
+Adjusted Price
+
+Comparable Weight
+
+Q4
+
+C4
+
+Q4
+
+C4
+
+$(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
diff --git a/chunks/txt/b232b91732af62bf403d66b3fa618f51c3a0386a3605369f06c4630f76cdb1a7.txt b/chunks/txt/b232b91732af62bf403d66b3fa618f51c3a0386a3605369f06c4630f76cdb1a7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..cff3d993556038418661b012049c81148c46d68a
--- /dev/null
+++ b/chunks/txt/b232b91732af62bf403d66b3fa618f51c3a0386a3605369f06c4630f76cdb1a7.txt
@@ -0,0 +1,85 @@
+2121 13th Avenue
+Las Vegas, NV 89109
+
+1234 Warford Street
+Dawson, IA 50066
+
+000-88-9999
+
+595, 625, 610
+
+000-11-2222
+999-44-5555
+
+000-66-7777
+
+547, 555, 525
+521, 530, 515
+
+525, 560, 585
+
+500-50-7000
+
+650, 639, 620
+
+999-60-1111
+
+640, 636, 620
+
+000-00-0002
+000-00-0003
+
+001-01-0021
+
+710, 680, 685
+720
+
+678, 702, 692
+
+999-47-8801
+
+658, 584, 641
+
+666-00-6666
+
+525, 515, 497
+
+999-00-1147
+999-00-9066
+
+999-72-5641
+
+685, 645, 691
+
+660, 670, 680
+
+999-42-2345
+
+NA (No score)
+
+000-01-0001
+
+710, 703
+
+N O T E : The borrowers 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, and any
+similarity with real individuals is unintentional.
+
+To order these test credit reports, follow these instructions:
+
+ Correctly enter “borrowers” and “co-borrowers.” For example, always enter John Homeowner as the
+
+borrower and Mary Homeowner as the co-borrower in the loan application.
+
+ Request “joint” credit when the borrower and co-borrower are listed together. For example, order joint
+
+credit for John and Mary Homeowner. Request “individual” credit when a borrower is listed individually.
+
+ You can combine test borrowers and co-borrowers to create a three-or four-borrower loan
+
+application. Order the appropriate joint or individual credit reports, as applicable.
+
+ Actual reissues on the test borrowers cannot be obtained. The system will return a new report.
+
+N O T E : Although the credit scores are not used in determining the recommendation, they do indicate the
+relative level of credit risk for each test case. For the test borrowers, the credit scores have been estimated
diff --git a/chunks/txt/b244c62aa6c79f553d85f4d294d09f0d36281ecdd71fc335cd40bf0f26d29039.txt b/chunks/txt/b244c62aa6c79f553d85f4d294d09f0d36281ecdd71fc335cd40bf0f26d29039.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5c4052afd12028959637aa96352015f2e261c319
--- /dev/null
+++ b/chunks/txt/b244c62aa6c79f553d85f4d294d09f0d36281ecdd71fc335cd40bf0f26d29039.txt
@@ -0,0 +1,23 @@
+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.
+
+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.
diff --git a/chunks/txt/b260a29d5b92b54486e6f85140c0ee1eaf485af438b01d4fb7e05f3c4b686484.txt b/chunks/txt/b260a29d5b92b54486e6f85140c0ee1eaf485af438b01d4fb7e05f3c4b686484.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5c43d7d794f2c9c847fd8c5bf375c2197c06c149
--- /dev/null
+++ b/chunks/txt/b260a29d5b92b54486e6f85140c0ee1eaf485af438b01d4fb7e05f3c4b686484.txt
@@ -0,0 +1,48 @@
+DU for Government Loans Integration Impact Memo
+June 2022 Release
+
+May 11, 2022
+
+During the weekend of June 11, 2022, Desktop Underwriter® (DU®) for government loans will be updated with the changes
+specified below. These changes will apply to new loan casefiles submitted on or after the weekend June 11, 2022.
+
+N O T E : For the sake of clarity, this document generally uses the term “DU” to refer to “DU for government loans.”
+
+VA Risk Assessment Update (VA Version 3.0)
+
+To better align with current market conditions, the risk assessment applied to VA loan casefiles will be updated to VA Version 3.0.
+The changes in this release will apply to new VA loan casefiles submitted to DU on or after the weekend of June 11, 2022.
+
+Loan casefiles that were submitted to DU for government loans (FHA or VA) prior to the weekend of June 11, 2022 and
+resubmitted as a VA loan casefile after the weekend of June 11 will continue to be underwritten through VA Version 2.1.
+
+How will this affect my integrated system(s)?
+
+There will be no impact to customers’ integrated system(s) for this release. The only visual change will be to the Version Number
+returned in the DU Underwriting Findings File:
+
+Before implementation - Version Number: 2.1
+
+After implementation - Version Number: 3.0 (New VA Submissions Only)
+
+Additional Resources
+
+For additional information, please reference the documents and web sites listed below.
+
+Document Name and
+Description
+
+URL
+
+VA Lenders
+Handbook
+
+VA Circulars
+
+https://benefits.va.gov/warms/pam26_7.asp
+
+http://www.benefits.va.gov/homeloans/new.asp
+
+VA Loan Limits
+
+http://www.benefits.va.gov/homeloans/loan_limits.asp
diff --git a/chunks/txt/b260c440ff2b66401bdf4dbfbdfccf6a27edbf428de2dd36b458ac5613cc8893.txt b/chunks/txt/b260c440ff2b66401bdf4dbfbdfccf6a27edbf428de2dd36b458ac5613cc8893.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e578f88f4354235653faf6babae8524bf10fbf1d
--- /dev/null
+++ b/chunks/txt/b260c440ff2b66401bdf4dbfbdfccf6a27edbf428de2dd36b458ac5613cc8893.txt
@@ -0,0 +1,101 @@
+Page 294
+
+Additional Properties Analyzed Not Used
+
+The Additional Properties Analyzed Not Used subsection displays when relevant:
+•
+Initially, for the appraiser to provide additional context to the reader, or
+• As part of any reconsideration process
+
+Properties noted in this subsection have @ValuationUseType = "PropertyAnalyzedNotUsed".
+
+Report
+Field ID
+22.17.01
+
+Report Label
+
+Unique ID MISMO Data Point Name
+
+Display Rules
+
+#
+
+1900.0017
+
+PropertyOrdinalNumber
+
+Sales Comparison Approach: Additional Properties Analyzed Not Used
+
+22.17.02
+
+Property Address
+
+22.17.04
+
+Status
+
+1900.0001
+
+AddressLineText
+
+1900.0018
+
+AddressUnitDesignatorType
+
+1900.0002
+1900.0003
+1900.0004
+1900.0005
+1900.0007
+
+AddressUnitIdentifier
+CityName
+PostalCode
+StateCode
+ListingStatusType
+
+Display when @ValuationUseType = "PropertyAnalyzedNotUsed"
+
+22.17.03
+
+Sale Date
+
+1900.0013
+
+OwnershipTransferDate
+
+Display when ListingStatusType = "Settled Sale" AND Exists
+
+22.17.05
+22.17.06
+
+Reason Not Used
+Comment
+
+1900.0011
+1900.0009
+
+ReasonPropertyNotUsedType
+AdditionalPropertyAnalyzedNotUsedText
+
+Display when @ValuationUseType = "PropertyAnalyzedNotUsed"
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Sales Comparison Map
+
+The Sales Comparison Map displays when SalesComparisonApproachIndicator = "true".
+
+−
+
+ImageCategoryType (UID: 1400.0915, FID: Not on report) = “SalesComparableMap” (does not display)
+
+Page 295
+
+Sales Comparison Approach Exhibits
+
+The Sales Comparison Approach Exhibits subsection is where the larger images of the thumbnails of the comparables display. Additional
+images may also be provided.
+
+Comparable Photos
diff --git a/chunks/txt/b26f6fc2ff68fd92aa8b1862e503b08b31f852ac14fd1abf46b428b17e1f543a.txt b/chunks/txt/b26f6fc2ff68fd92aa8b1862e503b08b31f852ac14fd1abf46b428b17e1f543a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..32e7133679e20e416048b075c9b96294aa9bb6b5
--- /dev/null
+++ b/chunks/txt/b26f6fc2ff68fd92aa8b1862e503b08b31f852ac14fd1abf46b428b17e1f543a.txt
@@ -0,0 +1,37 @@
+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 Sales Comparison Approach 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 1-8, 3-12b, 6-20b) 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
+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, 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 Sales Comparison Approach 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.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+UAD Requirement - Refer to Appendix D Subject Section
+This data is referenced more than once on the form (fields 1-18, 3-13) and must be
+represented consistently to the extent the available space permits.
diff --git a/chunks/txt/b28cf9e250c152eb780b7e61b1c983ad6cee4fd6769922035346d250be98195b.txt b/chunks/txt/b28cf9e250c152eb780b7e61b1c983ad6cee4fd6769922035346d250be98195b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0023cff8cc2074eec5cd76204b72840cd1dd67f0
--- /dev/null
+++ b/chunks/txt/b28cf9e250c152eb780b7e61b1c983ad6cee4fd6769922035346d250be98195b.txt
@@ -0,0 +1,38 @@
+- [1](?page=0)
+ - [2](?page=1)
+ - [3](?page=2)
+ - [4](?page=3)
+ - [5](?page=4)
+ - …
+ - [Next](?page=1)
+ - [Last](?page=10)
+
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
+
+## Footer
+
+- [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
diff --git a/chunks/txt/b28f59e228d3bf0f8df061849df6a476c05265d5b3e6110b749f4fb96ed0360b.txt b/chunks/txt/b28f59e228d3bf0f8df061849df6a476c05265d5b3e6110b749f4fb96ed0360b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6fe5a6ef7d10f2f09856b532a8f8ad5ed20673a7
--- /dev/null
+++ b/chunks/txt/b28f59e228d3bf0f8df061849df6a476c05265d5b3e6110b749f4fb96ed0360b.txt
@@ -0,0 +1,64 @@
+Subject property amenities are solely owned or restricted to use by the property owner, and do not include:
+• Project amenities that are owned and maintained by the HOA and subject to shared use
+
+o These are reported in the Project Information section (18.012).
+
+• Waterfront improvements, such as piers, docks, and bulkheads
+
+o These are reported in Water Frontage with Private Access in the Site section (4.031).
+
+• Site characteristics and view
+
+o These are reported in the Site section (4.062-4.065 and 4.039-4.042).
+
+General Information
+
+Subject property amenities include items such as fireplaces, decks, porches, patios, and pools. Each amenity is
+associated with one of the specific amenity categories. These amenity categories group similar amenities
+together for inclusion as individual line entries in the Sales Comparison Approach section.
+
+Note: Amenity Count may be used when there is no Detail (14.004) about the amenity to be reported.
+
+Amenity Examples in Subject Property Amenities and Sales Comparison Approach
+
+In this example, the subject has 2 decks and 2 indoor fireplaces.
+
+The decks and fireplaces are also brought into the Sales Comparison Approach (22.12.01 - 22.12.05).
+
+Appendix F-1: URAR Reference Guide
+
+Page 166 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+14 Subject Property Amenities
+
+Amenity Categories and Types
+
+Subject Property Amenities
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+14.000 N/A
+
+Always required
+
+Yes | No
+
+14.001 Amenity
+Category
+
+There must be at least
+one amenity and
+category if Property
+Amenities Exist is Yes
diff --git a/chunks/txt/b29332b674f1591851e6610a3f741bab1f63171daf41aeab46ec19e99dea442b.txt b/chunks/txt/b29332b674f1591851e6610a3f741bab1f63171daf41aeab46ec19e99dea442b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4faad3911b0422ca1429c6da174502a8ded65f6a
--- /dev/null
+++ b/chunks/txt/b29332b674f1591851e6610a3f741bab1f63171daf41aeab46ec19e99dea442b.txt
@@ -0,0 +1,146 @@
+Subject Transfer History
+
+Prior sales and/or transfers of the subject property (minimum 3 year look back)
+Date
+Transfer Terms
+10/30/2018
+Typically Motivated
+
+Amount
+$250,000
+
+Analysis of Prior Sale and Transfer History of Subject Property This was a builder sale.
+
+Data Source
+MLS
+
+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
+
+4
+
+5
+
+Typically Motivated
+
+07/17/2020
+
+$300,000
+
+None
+
+None
+
+Typically Motivated
+
+04/15/2019
+
+$275,000
+
+MLS
+
+MLS
+
+MLS
+
+MLS
+
+Analysis of Prior Sale and Transfer History of Comparable Sales The prior transfers of comps 2 and 5 represent resales at market value.
+
+Appraisal Version #2Fannie Mae | Freddie Mac September 2024 Appraiser Reference ID 4321123H Client Reference ID 231495234K
+
+Uniform Residential Appraisal Report
+
+Page 10 of 19
+Page 10 of 19
+
+PG BRK
+
+Sales Comparison Approach
+
+General Information
+
+Property Address
+
+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
+
+Neighborhood Name
+
+View | Range
+
+Dwelling(s)
+
+Year Built
+
+Heating
+
+Unit(s)
+
+Bedrooms
+
+Subject Property
+
+Comparable # 1
+
+Comparable #2
+
+Comparable #3
+
+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.
diff --git a/chunks/txt/b296e74f08ca21d32c4540be86837f8485f2dd0c70d723e51b93bfc4fa384ea0.txt b/chunks/txt/b296e74f08ca21d32c4540be86837f8485f2dd0c70d723e51b93bfc4fa384ea0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..004a4ce6cc804f2a273ab4217ed11c4df9392bf3
--- /dev/null
+++ b/chunks/txt/b296e74f08ca21d32c4540be86837f8485f2dd0c70d723e51b93bfc4fa384ea0.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/programs/fintech"
+date_accessed: "2026-01-27T17:54:20.531Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/b2988070b4703e4da91f49be33b4191a5a088c640dd05560cb8384cac495d021.txt b/chunks/txt/b2988070b4703e4da91f49be33b4191a5a088c640dd05560cb8384cac495d021.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9664e591b880bb1460a0e57135e359e1d43d16ad
--- /dev/null
+++ b/chunks/txt/b2988070b4703e4da91f49be33b4191a5a088c640dd05560cb8384cac495d021.txt
@@ -0,0 +1,3 @@
+Overview ................................................................................................................................................................................................................................................ 153
+
+Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 155
diff --git a/chunks/txt/b2a581b751aa563d9a2616f14804624404f06ae53f0802067e212c4cf8ce33f9.txt b/chunks/txt/b2a581b751aa563d9a2616f14804624404f06ae53f0802067e212c4cf8ce33f9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..40d6567560e9436c43b8d1215d2df265984e8c4e
--- /dev/null
+++ b/chunks/txt/b2a581b751aa563d9a2616f14804624404f06ae53f0802067e212c4cf8ce33f9.txt
@@ -0,0 +1,5 @@
+To ensure that the resulting shock scenarios are plausible, FHFA uses a technique known as parsimonious factorization to represent each yield curve as a five-factor equation, and then applies measures of the shock made in parameter space to the current yield curve parameters to construct a shocked yield curve. This approach facilitates a straightforward means to impose a set of plausibility constraints on interest rate shocks.
+
+The FHFA scenarios contain term point shocks to SOFR, OIS, Treasury, and Federal Home Loan Bank System Cost of Funds yield curves. Banks that must involve other miscellaneous rates to estimate portfolio value may determine shocked values for those rates by applying a constant measure of the current yield curve spread between the miscellaneous rate and any one of the four rates that FHFA provides. A shocked miscellaneous yield curve can then be derived by applying the constant measure of spread to the shocked version of the selected FHFA provided yield curve.
+
+The FHFA scenarios also contain shocks to implied volatility and Agency option-adjusted spreads (OAS). Implied volatility shocks are provided for at-the-money (ATM) swaptions, and in- and out-of-the-money caps in the form of level shifts to the volatility surface. These level shifts are estimated based upon the long-term, reduced form relationship between changes in the level of the implied volatility surface and changes in the term structure of interest rates. Agency OAS shocks are provided for both SOFR and Treasury discounted OAS. These OAS shocks are estimated based upon the long-term, reduced form relationship between changes in Agency OAS and changes in the term structure of interest rates.
diff --git a/chunks/txt/b2b526b860dc5a1a31fefef9c60ab01799b7055afdec1e45182f578d3b5a7fa1.txt b/chunks/txt/b2b526b860dc5a1a31fefef9c60ab01799b7055afdec1e45182f578d3b5a7fa1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..043615f048fafbbe771832c605335bf66f556bee
--- /dev/null
+++ b/chunks/txt/b2b526b860dc5a1a31fefef9c60ab01799b7055afdec1e45182f578d3b5a7fa1.txt
@@ -0,0 +1,160 @@
+$ 15
+
+SUBJECT
+
+DESCRIPTION
+
+FEATURE
+Address and 11
+Unit # 12a 12b 12c12d
+Project Name and 13
+Phase 14
+Proximity to Subject
+Sale Price
+Sale Price/Gross Liv. Area $ 16 sq. ft.
+Data Source(s)
+Verification Source(s)
+VALUE ADJUSTMENTS
+Sale or Financing
+Concessions
+Date of Sale/Time
+Location
+Leasehold/Fee Simple
+HOA Mo. Assessment
+Common Elements
+and Rec. Facilities
+Floor Location
+View
+Design (Style)
+Quality of Construction
+Actual Age
+Condition
+Above Grade
+Room Count
+Gross Living Area
+Basement & Finished
+Rooms Below Grade
+Functional Utility
+Heating/Cooling
+Energy Efficient Items
+Garage/Carport
+Porch/Patio/Deck
+
+e-14; e-15; e-16
+23
+24
+25
+26
+27
+e-5; e-6; e-7
+29
+30
+e-17; 31
+ 32
+
+34
+
+35
+36 sq. ft.
+
+e-18; e-19; e-20
+e-21; e-22; e-23; e-24
+
+39
+40
+41
+42
+43
+45
+47
+49
+
+44
+46
+48
+
+Net Adjustment (Total)
+Adjusted Sale Price
+of Comparables
+Summary of Sales Comparison Approach 118
+
+COMPARABLE SALE # 1
+50
+51a 51b 51c 51d
+52
+53
+54
+
+$ 55
+
+COMPARABLE SALE # 2
+50
+51a 51b 51c 51d
+52
+53
+54
+
+$ 55
+
+COMPARABLE SALE # 3
+50
+51a 51b 51c 51d
+52
+53
+54
+
+$ 55
+
+$ 56 sq. ft.
+
+$ 56 sq. ft.
+
+$ 56 sq. ft.
+
+e-25; e-2
+58
+
+e-25; e-2
+58
+
+e-25; e-2
+58
+
+DESCRIPTION
+
++(-) $ Adjustment DESCRIPTION
+
++(-) $ Adjustment DESCRIPTION
+
+59
+e-26; e-27; e-28
+
+e-29; e-30; e-31
+
+e-14; e-15; e-16
+67
+69
+71
+73
+75
+e-5; e-6; e-7
+79
+81
+e-17; 83
+85
+
+e-18; e-19; e-20
+e-21; e-22; e-23; e-24
+
+98
+100
+102
+104
+106
+108
+110
+112
+ + -
+114
+Net Adj. 116a %
+Gross Adj. 116b %
diff --git a/chunks/txt/b2be2727b518c67fbc6c13939032ee1660939a1f64aeb2df23bad4814507c97f.txt b/chunks/txt/b2be2727b518c67fbc6c13939032ee1660939a1f64aeb2df23bad4814507c97f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5cb1e0ff9804ce6ebe46db17640a105bb916ee9c
--- /dev/null
+++ b/chunks/txt/b2be2727b518c67fbc6c13939032ee1660939a1f64aeb2df23bad4814507c97f.txt
@@ -0,0 +1,154 @@
+.../CLOSING_ADJUST
+MENT_ITEM_DETAIL
+
+ClosingAdjustmentIt
+emAmount
+
+-5000.00
+
+ROF as “-$5,000.00”
+
+ClosingAdjustmentIt
+emType
+
+Grant
+
+@gse:DisplayLabelT
+ext
+
+Grant
+
+ROF as “Grant”
+
+IntegratedDisclosur
+eSectionType
+
+PayoffsAndPayments
+
+Not Shown
+
+Appendix E: UCD Implementation Guide
+
+Page 239 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+25.0 Payoffs and Payments - UPDATED
+
+Table 157. Payoffs and Payments Table
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0 Value
+
+Notes
+
+25.1 Grant from
+Community
+Lending Program
+paid to Ficus Bank
+
+…/CLOSING_ADJUST
+MENT_ITEM_PAID_B
+Y/LEGAL_ENTITY/LEG
+AL_ENTITY_DETAIL
+
+FullName
+
+CommunityLendingProg
+ram
+
+ROF as “from
+Community Lending
+Program”
+
+25.1 Grant from
+Community
+Lending Program
+paid to Ficus Bank
+
+…/EXTENSION/OTHER
+/gse:CLOSING_ADJUS
+TMENT_ITEM_PAID_T
+O/gse:LEGAL_ENTITY/
+gse:LEGAL_ENTITY_D
+ETAIL
+
+gse:FullName
+
+Ficus Bank
+
+ROF as “paid to Ficus
+Bank”
+
+25.1.1 Existing escrow
+account rollover
+($)
+
+Third instance of CLOSING_ADJUSTMENT_ITEM
+
+.../CLOSING_ADJUST
+MENT_ITEM_DETAIL
+
+ClosingAdjustmentIt
+emAmount
+
+-200.00
+
+ROF as “-$200.00”
+
+ClosingAdjustmentIt
+emType
+
+Other
+
+ClosingAdjustmentIt
+emTypeOtherDescri
+ption
+@gse:DisplayLabelT
+ext
+
+IntegratedDisclosur
+eSectionType
+
+EscrowAccountRollover
+
+ROF as “Existing
+escrow account
+rollover”
+
+Existing escrow account
+rollover
+
+PayoffsAndPayments
+
+Not Shown
+
+25.1
+
+Existing escrow
+account rollover
+
+25.1
+
+N/A
+
+1. MAPPI NG GUI DANCE
+
+A. Some adjustments normally disclosed in Summaries of Transactions are disclosed in the Payoffs and
+Payments table. The CLOSING_ADJUSTMENT_ITEM structures are used for these line items, with the
+value of “PayoffsAndPayments” in IntegratedDisclosureSectionType to indicate their location on the
+form. If the source of the funds is not the borrower, it must be identified using
+CLOSING_ADJUSTMENT_ITEM_PAID_BY. As with the payoffs of liabilities, the recipient of the funds must
+be identified (if unclear) using gse:CLOSING_ADJUSTMENT_ITEM_PAID_TO, an EXTENSION of
+CLOSING_ADJUSTMENT_ITEM.
diff --git a/chunks/txt/b2cdfc33a1a93833c89b69260ca369fb2b1bc0470564485f1667b2f8bf525a58.txt b/chunks/txt/b2cdfc33a1a93833c89b69260ca369fb2b1bc0470564485f1667b2f8bf525a58.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6ff5da6183d93e0c97175e770315fbea05d5663e
--- /dev/null
+++ b/chunks/txt/b2cdfc33a1a93833c89b69260ca369fb2b1bc0470564485f1667b2f8bf525a58.txt
@@ -0,0 +1,89 @@
+Appendix F-1: URAR Reference Guide
+
+Page 193 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+18 Project Information
+
+Single Entity Ownership of Multiple Units
+
+The Single Entity Ownership of Multiple Units row displays in the Project Factors table if the property is in a
+condominium.
+
+Project Factors: Single Entity Ownership of Multiple Units
+
+Report
+Field ID
+
+18.067
+
+18.077
+
+18.087
+
+Report Label
+
+When to Include
+
+Single Entity
+Ownership of
+Multiple Units
+(Detail)
+
+Single Entity
+Ownership of
+Multiple Units
+(Impact)
+
+Single Entity
+Ownership of
+Multiple Units
+(Comment)
+
+Required if the
+property is in a
+condominium
+
+Required if the
+property is in a
+condominium
+
+Required if Impact is
+Adverse or Beneficial,
+or as needed
+
+Allowable
+Answers / Format
+
+Number
+
+Adverse,
+Beneficial, or
+Neutral
+
+Free-form
+
+Definition / Additional Guidance
+
+Greatest Number of Units Owned: The greatest number of units owned by a
+single entity in the condominium project.
+
+When Adverse or Beneficial, describe the impact to value and / or
+marketability. Additional commentary may be provided to include details and
+other information. If there are multiple individuals or entities that own a
+significant number of units which impacts marketability within the project,
+describe here.
+Note: For further expansion of commentary, use Project Factors Commentary
+(18.094).
+
+Single Entity Ownership of Multiple Shares
+
+The Single Entity Ownership of Multiple Shares row displays in the Project Factors table if the property is in a
+cooperative or condop.
+
+Project Factors: Single Entity Ownership of Multiple Shares
+
+Report Label
diff --git a/chunks/txt/b2da28b73c98b6460e4945b1f7cd3c22dcff4539dc3c49b38f205ddc0dcbe90a.txt b/chunks/txt/b2da28b73c98b6460e4945b1f7cd3c22dcff4539dc3c49b38f205ddc0dcbe90a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2f32b22b16029674a3051a2b8fe68e604eaed6dd
--- /dev/null
+++ b/chunks/txt/b2da28b73c98b6460e4945b1f7cd3c22dcff4539dc3c49b38f205ddc0dcbe90a.txt
@@ -0,0 +1,115 @@
+Figure 01 - 2
+
+- When an image is provided for Legal Description, it must be delivered using ImageCategoryType (UID: 1400.0543 FID: Not on report) =
+
+“LegalDescription” and the image displays within the subsection below the gray bar. (Figure 01 - 3)
+
+- An image caption may be included using ImageCaptionCommentDescription (UID: 1400.0545, FID: 01.003.2) and displays above the image in bold
+
+font.
+
+Figure 01 - 3
+
+Page 15
+
+02 Original Appraisal
+
+The Original Appraisal section contains information from the original appraisal report.
+
+Page 16
+
+The Original Appraisal section always displays.
+
+Completion Report: Original Appraisal
+
+Report
+Field ID
+
+Report Label
+
+Unique ID MISMO Data Point Name
+
+02.001
+
+Effective Date of Appraisal
+
+2800.0032 OriginalAppraisalEffectiveDate
+
+02.002
+
+Opinion of Market Value
+
+2800.0033
+
+OriginalAppraisedValueAmount
+
+02.003 Market Value Condition
+
+2800.0002
+
+PropertyValuationConditionalConclusionType
+
+02.004
+
+Appraiser
+
+2800.0034
+
+OriginalAppraiserUnparsedName
+
+02.005
+
+Reference ID
+
+2800.0035
+
+OriginalAppraiserFileIdentifier
+
+02.006
+
+Original Lender
+
+2800.0046
+
+OriginalLenderUnparsedName
+
+Display Rules
+
+Always displays
+
+Always displays
+
+Always displays
+If multiple, display stacked
+
+Always displays
+
+Always displays
+
+Always displays
+
+Report
+Field ID
+
+Report Label
+
+Unique ID MISMO Data Point Name
+
+Display Rules
+
+Completion Report: Original Appraisal
+
+Page 17
+
+02.007
+
+Final Value Condition
+Statement
+
+Final Value Condition Statement
+
+Displays when
+PropertyValuationConditionalConclusionType <> “AsIs”
+
+The details on variations and how to compose the Final
+Value Condition Statement are listed below.
diff --git a/chunks/txt/b2eb25afd8a2f52269fbf07d55b34e70ad09e9463270af6c8e3ed7f2e208398f.txt b/chunks/txt/b2eb25afd8a2f52269fbf07d55b34e70ad09e9463270af6c8e3ed7f2e208398f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2fc838e3acc00ecd83e1480d8586bc9269844a4e
--- /dev/null
+++ b/chunks/txt/b2eb25afd8a2f52269fbf07d55b34e70ad09e9463270af6c8e3ed7f2e208398f.txt
@@ -0,0 +1,173 @@
+image/jpeg
+
+BelowGradeOne
+
+FamilyRoom
+
+\\Images\Condo2_Sunroom.jpg
+
+image/jpeg
+
+BelowGradeOne
+
+Sunroom
+
+\\Images\Condo2_Bedroom3.jpg
+
+image/jpeg
+
+LevelOne
+
+Bedroom
+
+\\Images\Condo2_Office.jpg
+
+image/jpeg
+
+LevelOne
+
+Other
+
+Office
+
+\\Images\Condo2_DiningRoom.jpg
+
+image/jpeg
+
+LevelOne
+
+DiningRoom
+
+\\Images\Condo2_FamilyRoom2.jpg
+
+image/jpeg
+
+LevelOne
+
+FamilyRoom
+
+\\Images\Condo2_FullBath2.jpg
+
+image/jpeg
+
+LevelOne
+
+NewOrLikeNew
+
+Separate tub and shower, large room, tile on the floor and walls, granite counters.
+
+FullBathroom
+
+LessThanOneYear
+
+FullyUpdated
+
+\\Images\Condo2_HalfBath.jpg
+
+image/jpeg
+
+LevelOne
+
+NewOrLikeNew
+
+Pedestal sink, tile floor.
+
+HalfBathroom
+
+LessThanOneYear
+
+FullyUpdated
+
+\\Images\Condo2_Kitchen.jpg
+
+image/jpeg
+
+LevelOne
+
+NewOrLikeNew
+
+Wood framed cabinets, granite counters, commercial style appliances, sink is located in an oversize island.
+
+Commercial Grade Appliances
+
+Kitchen
+
+LessThanOneYear
+
+FullyUpdated
+
+\\Images\Condo2_Mudroom.jpg
+
+image/jpeg
+
+LevelOne
+
+Mudroom
+
+0
+
+No
+
+0
+
+3500
+
+false
+
+GolfCourse
+
+Residential
+
+Ranch
+
+SiteBuilt
+
+CementBoard
+
+NewOrLikeNew
+
+The exterior of the homes is a mix of Hardie plank and stone.
+
+ExteriorWallsAndTrim
+
+PouredConcrete
+
+Basement
+
+NewOrLikeNew
+
+Subject has a walkout lower level, concrete covered with Hardie plank.
+
+Foundation
+
+LessThanOneYear
+
+true
+
+Composition
+
+NewOrLikeNew
+
+Roof is covered with a 50 year composition roof.
+
+Roof
+
+NewOrLikeNew
+
+Windows are metal clad with paintable wood interior.
+
+Windows
+
+Subject has a mix of double hung and casement windows, all are low e.
+
+C1
+
+Q3
+
+OneToTwoFeet
+
+1
+
+360
+
+The subject is a new construction home with no damages, defects or deficiencies and is built using green materials.
diff --git a/chunks/txt/b2ff7b9b5929959cb222b4727370537449998fde6679230cd790cf5af0d8be54.txt b/chunks/txt/b2ff7b9b5929959cb222b4727370537449998fde6679230cd790cf5af0d8be54.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9dbefebbacfb521e02ba382b26cc88fbad538d7e
--- /dev/null
+++ b/chunks/txt/b2ff7b9b5929959cb222b4727370537449998fde6679230cd790cf5af0d8be54.txt
@@ -0,0 +1,138 @@
+The same process is used to determine the year ranges and payment amounts for a Step Rate, GEM or GPM
+loan, and for a loan with a temporary subsidy buydown feature.
+
+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 Years 12 - 30
+
+5.2 Principal & Interest
+
+$1,007.35
+
+5.2.4 $1,007 min
+5.2.5 $1,230 max
+
+5.2.6 $1,007 min
+5.2.7 $1,451 max
+
+5.2.8 $1,007 min
+5.2.9 $1,870 max
+
+5.2.1
+5.2.2
+5.2.3
+
+Figure 57. P&I Payments for 5-3 ARM
+
+Table 74. P&I Payments for 5-3 ARM
+
+ID
+
+Form Field Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+
+Point/Attribute MISMO v3.3.0 Value
+
+Notes
+
+First instance of PROJECTED_PAYMENT
+
+5.2.2
+
+Years 1 – 5 Principal
+& Interest ($)
+
+…/PROJECTED_PAY
+MENT
+
+ProjectedPaymentPr
+incipalAndInterestM
+aximumPaymentAm
+ount
+
+1007.35
+
+ROF as “$1,007.35”
+
+Second Instance of PROJECTED_PAYMENT
+
+5.2.5
+
+Years 6 – 8 Principal
+& Interest max
+
+…/PROJECTED_PAY
+MENT
+
+5.2.4
+
+Years 6 – 8 Principal
+& Interest min
+
+1229.61
+
+1007.35
+
+ProjectedPaymentPr
+incipalAndInterestM
+aximumPaymentAm
+ount
+
+ProjectedPaymentPr
+incipalAndInterestMi
+nimumPaymentAmo
+unt
+
+Represented on the
+form as “$1,230
+max”
+
+Represented on the
+form as “$1,007
+min”
+
+Third Instance of PROJECTED_PAYMENT
+
+5.2.7
+
+Years 9 – 11
+Principal & Interest
+max
+
+…/PROJECTED_PAY
+MENT
+
+1451.21
+
+ProjectedPaymentPr
+incipalAndInterestM
+aximumPaymentAm
+ount
+
+Represented on the
+form as “$1,451
+max”
+
+Appendix E: UCD Implementation Guide
+
+Page 86 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+5.0 Projected Payments Table
+
+ID
+
+Form Field Name
+
+5.2.6
diff --git a/chunks/txt/b302561f9ad17f7dbc03028f2bfab6cf135de195ca7c3824330e4e5cb28a7f86.txt b/chunks/txt/b302561f9ad17f7dbc03028f2bfab6cf135de195ca7c3824330e4e5cb28a7f86.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5bb7806285a022412d18a47d5646b733d02edbfb
--- /dev/null
+++ b/chunks/txt/b302561f9ad17f7dbc03028f2bfab6cf135de195ca7c3824330e4e5cb28a7f86.txt
@@ -0,0 +1,149 @@
+Yes
+22.01.36
+
+22.01.08
+22.01.37
+
+Attached/Deta
+ched
+
+Always
+
+Always required
+
+Attached or
+Detached
+
+Subject Property
+•
+
+Attachment Type
+3.004
+
+Yes
+22.01.38
+
+•
+
+A ratio applied to a comparable listing that represents the difference
+between the list price and an anticipated sale price for the comparable.
+Examples:
+•
+
+$100,000 List Price with a sale price of $102,000 results in a Sale to
+List Price Ratio of 102%.
+$100,000 List Price with a sale price of $98,000 results in a Sale to
+List Price Ratio of 98%.
+
+Appendix F-1: URAR Reference Guide
+
+Page 223 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+22 Sales Comparison Approach
+
+Report Label
+
+When Row
+Displays
+
+When to Include for
+each Comparable
+
+Allowable
+Answers / Format
+
+Origin of Subject
+Property Information
+
+Adjustable
+Row
+
+Definition / Additional Guidance
+
+Sales Comparison Approach: General Information
+
+Report
+Field ID
+
+22.01.09
+22.01.39
+
+If relevant
+
+Property
+Rights
+Appraised
+
+22.01.10
+22.01.41
+
+Annual
+Ground Rent
+
+If relevant
+
+Required if the
+comparable is not in a
+cooperative, and the
+row is included in the
+sales comparison grid
+
+Required if Property
+Rights Appraised is
+Leasehold, Site Owned
+in Common is No, and
+the row is included in
+the sales comparison
+grid
+
+Required when the
+row is included in the
+sales comparison grid
+
+If relevant
+
+22.01.11
+22.01.42
+
+22.01.11
+22.01.42
+
+Native
+American
+Lands
+
+Native
+American
+Lands
+
+If relevant
+
+Required if Property
+on Native American
+Lands is Yes
+
+22.01.12
+22.01.44
+
+All Rights
+Included
+
+If relevant
+
+22.01.13
+22.01.46
+
+Rights Not
+Included
+
+If relevant
+
+Required if Site Owned
+in Common is No, and
+the row is included in
+the sales comparison
+grid
diff --git a/chunks/txt/b31c01ff6bdc1a66f346bc4b7d7e17b6bed7bf46abc1329e6716e9d8dfd20b90.txt b/chunks/txt/b31c01ff6bdc1a66f346bc4b7d7e17b6bed7bf46abc1329e6716e9d8dfd20b90.txt
new file mode 100644
index 0000000000000000000000000000000000000000..33716d15aaa0aa9f2fe8c70f55517d00a87e6888
--- /dev/null
+++ b/chunks/txt/b31c01ff6bdc1a66f346bc4b7d7e17b6bed7bf46abc1329e6716e9d8dfd20b90.txt
@@ -0,0 +1,19 @@
+News Release: [FHFA Announces Key Updates for Implementation of Enterprise Credit Score Requirements](/news/news-release/fhfa-announces-key-updates-for-implementation-of-enterprise-credit-score-requirements) (2/29/2024)
+
+News Release: [FHFA Announces Next Phase of Public Engagement Process for Updated Credit Score Requirements](/news/news-release/fhfa-announces-next-phase-of-public-engagement-process-for-updated-credit-score-requirements) (9/11/2023)
+
+News Release: [FHFA Announces Public Engagement Process for Implementation of Updated Credit Score Requirements](/news/news-release/fhfa-announces-public-engagement-process-for-implementation-of-updated-credit-score-requirements) (3/23/2023)
+
+**Validation of FICO 10T and VantageScore 4.0​**
+
+News Release: [FHFA Announces Validation of FICO 10T and VantageScore 4.0 for Use by Fannie Mae and Freddie Mac](/news/news-release/fhfa-announces-validation-of-fico-10t-and-vantagescore-4.0-for-use-by-fannie-mae-and-freddie-mac)*(10/24/2022)*
+
+Fact Sheet: [FHFA Announcement of Credit Score Models](/sites/default/files/2024-02/CS-Fact-Sheet-2022.pdf)*(10/24/2022)*
+
+**Validation of Classic FICO​**
+
+News Release: [FHFA Announces Validation of Classic FICO by Fannie Mae and Freddie Mac](/news/news-release/fhfa-announces-validation-of-classic-fico-for-use-by-fannie-mae-and-freddie-mac)*(11/10/2020)*
+
+**Joint Credit Score Solicitation**
+
+News Release: [Fannie Mae and Freddie Mac Publish Joint Enterprise Credit Score Solicitation](/news/news-release/fannie-mae-and-freddie-mac-publish-joint-enterprise-credit-score-solicitation)*(2/18/2020)*
diff --git a/chunks/txt/b31c573e5f0dfbf7bf9b9599ae83b5d90033c8b9f051588d5dfcdf78090b6b0b.txt b/chunks/txt/b31c573e5f0dfbf7bf9b9599ae83b5d90033c8b9f051588d5dfcdf78090b6b0b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b4bb7718062efc671b83f552bec3556b7080d4cd
--- /dev/null
+++ b/chunks/txt/b31c573e5f0dfbf7bf9b9599ae83b5d90033c8b9f051588d5dfcdf78090b6b0b.txt
@@ -0,0 +1,161 @@
+7.0 Loan Costs
+
+Borrower-Paid
+
+Seller-Paid
+
+At Closing
+
+Before Closing At Closing Before Closing
+
+Paid by
+Others
+
+7.4 B. Services Borrower Did Not Shop For
+01 7.5
+
+7.5.1
+
+7.5.2
+
+7.4.1 $236.55
+7.5.3
+
+7.5.4
+
+7.5.5
+
+7.5.6 $405.00
+
+Supervisory Appraisal Charge to Valuation
+Mgt.
+
+02 Credit Re port Fee to Information, Inc.
+03 Flood Ce rtification Fee to Info Co.
+
+04 Homeowner’s Assn Cert Fee to Valuation Mgt.
+05 Title -Document Preparation Fee to Epsilon
+
+Title Co.
+
+$80.00
+
+$29.80
+
+$20.00
+
+$150.00
+
+Figure 78. Services Borrower Did Not Shop For Line Items
+
+The data points used to provide this information are shown in the table below and are repeated as needed to
+provide each line item.
+
+ID
+
+Form Field / Fee
+Name
+
+MISMO v3.3.0
+Context
+
+MISMO v3.3.0 Data
+Point/Attribute
+
+MISMO v3.3.0
+Value
+
+Notes
+
+Table 96. Services Borrower Did Not Shop For
+
+FIRST INSTANCE OF FEE
+
+UID
+7.073
+
+7.5
+
+N/A - GSE
+
+…/FEE/FEE_DETAIL
+
+FeePaidToType
+
+ThirdPartyProvider Not Shown –
+
+ATR/QM
+
+Supervisory
+Appraisal Charge
+
+FeeType
+
+AppraisalManagem
+entCompanyFee
+
+ROF as “Supervisory
+Appraisal Charge”
+
+@gse:DisplayLabelT
+ext
+
+Supervisory
+Appraisal Charge
+
+7.5
+
+N/A - XML
+
+IntegratedDisclosur
+eSectionType
+
+ServicesBorrowerDi
+dNotShopFor
+
+Not Shown
+
+UID
+7.070
+
+7.5.1
+
+N/A - GSE
+
+Supervisory
+Appraisal Charge to
+Valuation Mgt.
+
+…/FEE/FEE_PAID_T
+O/LEGAL_ENTITY/LE
+GAL_ENTITY_DETAI
+L
+
+RegulationZPointsA
+ndFeesIndicator
+
+true
+
+FullName
+
+Valuation Mgt
+
+7.5.6 Paid by Others
+
+…/FEE/FEE_PAYME
+NTS/FEE_PAYMENT
+
+FeePaymentPaidBy
+Type
+
+ThirdParty
+
+Not Shown –
+ATR/QM
+
+Company name of
+service provider
+
+Represented as
+Paid by Others
+heading on form
diff --git a/chunks/txt/b31fed171e329e8725bdfe153e8f56c50e30e7e5eaed6f379aeb43130aa156a3.txt b/chunks/txt/b31fed171e329e8725bdfe153e8f56c50e30e7e5eaed6f379aeb43130aa156a3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..644ea13f7894bea4d60ceaf7d4baaf6d6daa9ee7
--- /dev/null
+++ b/chunks/txt/b31fed171e329e8725bdfe153e8f56c50e30e7e5eaed6f379aeb43130aa156a3.txt
@@ -0,0 +1,107 @@
+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 Only prior sale of the subject was when it was a new construction in 2004.
+
+Comparable Transfer History
+
+Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)
+#
+1
+
+Transfer Terms
+Typically Motivated
+
+Data Source
+MLS
+
+Date
+09/01/2018
+
+Amount
+$430,000
+
+2
+
+3
+
+None
+
+None
+
+MLS
+
+MLS
+
+Analysis of Prior Sale and Transfer History of Comparable Sales Prior sale of comp 1 was a typically motivated arms-length transaction.
+
+Appraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 14 of 21
+Page 14 of 21
+
+Check W/KATE-
+
+NEW PAGE?
+
+Sales Comparison Approach
+
+Subject Property
+
+Comparable #1
+
+Comparable #2
+
+Comparable #3
+
+General Information
+
+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
+
+This is where the
+Subject Property photo
+would display.
+
+This is where the
+Comparable 1 photo
+would display.
+
+This is where the
+Comparable 2 photo
+would display.
+
+This is where the
+Comparable 3 photo
+would display.
+
+Assessor Record | Exterior
+Inspection | MLS 123456
+
+Assessor Record | Exterior
+Inspection | MLS 33A245
+
+Assessor Record | Exterior
+Inspection | MLS 678A12
diff --git a/chunks/txt/b3480baad9ed2df8db3c731a1789f701e926b221093587f6fba063dbf533a85e.txt b/chunks/txt/b3480baad9ed2df8db3c731a1789f701e926b221093587f6fba063dbf533a85e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5dd27370589072fd1a96654741d6be7abc949b4a
--- /dev/null
+++ b/chunks/txt/b3480baad9ed2df8db3c731a1789f701e926b221093587f6fba063dbf533a85e.txt
@@ -0,0 +1,56 @@
+Uniform Appraisal Dataset (UAD) Specification
+
+Issued by Fannie Mae and Freddie Mac
+Appendix D-1: Single Family Scenario 2 (Townhouse)
+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 was completed as a traditional appraisal for an attached end-unit townhouse located in a Planned
+Unit Development (PUD). It is within ¼ mile of a busy roadway, which has an adverse impact, and within
+three blocks of a park, which has a beneficial impact.
+
+The subject property contains five bedrooms, four full bathrooms, and one half bathroom throughout four
+separate levels. It was built three years prior to the date on which the inspection took place for this report.
+The interior is noted to have typical wear and tear throughout all rooms, while the kitchen has commercial
+grade appliances and granite counter tops, and the bathrooms have ceramic tile and upgraded fixtures.
+
+This appraisal was made subject to the following:
+• Possible termite infestation on the exterior walls and trim (Subject to Inspection).
+• The water heater was not operational at the time of the inspection (Subject to Repair).
diff --git a/chunks/txt/b349d53a1889ccabb1a10931910cc8bd56c2c49f0d52f02818f88c7d65d0a3b1.txt b/chunks/txt/b349d53a1889ccabb1a10931910cc8bd56c2c49f0d52f02818f88c7d65d0a3b1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c752f9c8d1100c8dc0801bea71d176aeeae77979
--- /dev/null
+++ b/chunks/txt/b349d53a1889ccabb1a10931910cc8bd56c2c49f0d52f02818f88c7d65d0a3b1.txt
@@ -0,0 +1,138 @@
+Neighborhood Characteristics
+
+Condominium Unit Housing Trends
+
+Condominium Housing Present Land Use %
+
+Location
+Built-Up
+Growth
+Neighborhood Boundaries
+
+Urban
+ Over 75%
+ Rapid
+
+Neighborhood Description
+
+Suburban
+ 25–75%
+ Stable
+
+Property Values
+ Rural
+ Under 25% Demand/Supply
+Marketing Time
+ Slow
+
+Increasing
+ Shortage
+ Under 3 mths
+
+Stable
+ In Balance
+ 3–6 mths
+
+Declining
+ Over Supply
+ Over 6 mths
+
+PRICE
+$ (000)
+
+AGE
+(yrs)
+
+Low
+High
+Pred.
+
+One-Unit
+2-4 Unit
+Multi-Family
+Commercial
+Other
+
+%
+%
+%
+%
+%
+
+Market Conditions (including support for the above conclusions)
+
+Topography
+Specific Zoning Classification
+Zoning Compliance
+
+No Zoning
+
+Legal
+ Illegal (describe)
+
+Size
+
+Density
+
+View
+
+Zoning Description
+
+Legal Nonconforming – Do the zoning regulations permit rebuilding to current density?
+
+Yes
+
+No
+
+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
+
+Public Other (describe)
+
+Utilities
+Electricity
+Gas
+FEMA Special Flood Hazard Area
+ No FEMA Flood Zone
+Are the utilities and off-site improvements typical for the market area?
+Are there any adverse site conditions or external factors (easements, encroachments, environmental conditions, land uses, etc.)?
+
+Water
+Sanitary Sewer
+
+Public Other (describe)
+
+No If No, describe
+
+FEMA Map #
+
+Yes
+
+Yes
+
+Off-site Improvements—Type
+Street
+Alley
+
+Public Private
+
+FEMA Map Date
+
+Yes
+
+No If Yes, describe
+
+If Project Incomplete
+
+# of Planned Phases
+# o f Planned Units
+# of Units for Sale
+# of Units Sold
+# of Units Rented
+# of Owner Occupied Units
+
+Data source(s) for project information
+Project Description
diff --git a/chunks/txt/b34d7375a35b332317869feaa3ef3788bd8284f17417174da4f027477d500b44.txt b/chunks/txt/b34d7375a35b332317869feaa3ef3788bd8284f17417174da4f027477d500b44.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2ac55250e9547a2b10a3d3cdfe4b810f10f08845
--- /dev/null
+++ b/chunks/txt/b34d7375a35b332317869feaa3ef3788bd8284f17417174da4f027477d500b44.txt
@@ -0,0 +1,102 @@
+10
+
+2.0000
+
+11.008
+
+gse:LateChargeType
+
+PercentOfPrincipalAndInterest
+
+UCD v2.0 Implementation Guide
+
+- 109 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Figure 77. XML Snippet – Late Charge Data.
+
+<MESSAGE>
+…
+ <DEAL>
+
+<LOANS>
+ <LOAN>
+
+<LATE_CHARGE>
+ <EXTENSION>
+ <OTHER>
+
+<gse:LATE_CHARGE_RULES>
+ <gse:LATE_CHARGE_RULE>
+
+<gse:LateChargeAmount>100.00</LateChargeAmount>
+ <gse:LateChargeGracePeriodDaysCount>10</gse:LateChargeGracePeriodDaysCount>
+ <gse:LateChargeType>FlatDollarAmount</gse:LateChargeType>
+
+</gse:LATE_CHARGE_RULE>
+ </gse:LATE_CHARGE_RULE>
+
+<gse:LateChargeGracePeriodDaysCount>10</gse:LateChargeGracePeriodDaysCount>
+ <gse:LateChargeRatePercent>2.0000</gse:LateChargeRatePercent>
+ <gse:LateChargeType>PercentOfPrincipalAndInterest</gse:LateChargeType>
+
+</gse:LATE_CHARGE_RULE>
+ </gse:LATE_CHARGE_RULES>
+
+</OTHER>
+ </EXTENSION>
+ </LATE_CHARGE>
+
+…
+</MESSAGE>
+
+UCD v2.0 Implementation Guide
+
+- 110 -
+
+Version 1.0
+
+Uniform Closing Dataset
+
+V. XML File Data Payload A to Z
+
+Q. LOAN FEATURE DATA
+
+LOAN_DETAIL holds a variety of true/false indicators that when “true,” are often used in UCD v2.0 as a condition to provide
+additional information about the loan feature; the descriptive data is located in a different container under LOAN, as we have
+seen in earlier sections.
+
+UCD UIDs
+
+Containers
+
+UCD Usage Notes
+
+Table 53. XML File Container Structure for Loan Feature Data.
+
+999.233
+
+LOAN_DETAIL
+
+999.234
+
+LOAN_IDENTIFIERS
+
+999.235
+
+LOAN_IDENTIFIER
+
+999.236
+
+LOAN_IDENTIFIER
+
+Holds indicators and certain summary data describing a loan’s
+features.
+
+Groups one or more pairs of identifier type and value data
+points.
diff --git a/chunks/txt/b3530ff01af392f1052af454149664895f5f77cfda85c3bf401574818f41acc6.txt b/chunks/txt/b3530ff01af392f1052af454149664895f5f77cfda85c3bf401574818f41acc6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..87210568572ed0f88a3d1ac902a9084cbeb03ffd
--- /dev/null
+++ b/chunks/txt/b3530ff01af392f1052af454149664895f5f77cfda85c3bf401574818f41acc6.txt
@@ -0,0 +1,77 @@
+is not part of the Restricted Appraisal Update Report.
+
+Restricted Appraisal Update Report
+
+Page 1 of 3
+
+Subject Property
+
+Physical Address
+
+County
+Property Rights Appraised
+
+123 Falling Tree Ct
+Treeville, VA 12345
+Arboreal
+Fee Simple
+
+This is where the Subject Property photo would display.
+
+Legal Description
+
+Lot 53 Sunnyside Subdivision
+
+Original Appraisal
+
+Effective Date of Appraisal
+Opinion of Market Value
+Reasonable Exposure Time
+
+09/20/2019
+$490,000
+0-90 days
+
+Appraiser
+
+Reference ID
+Original Lender
+
+Agatha Appraiser
+AA12345
+DEF Bank
+
+Appraisal Update
+
+Effective Date
+
+03/20/2020
+
+Yes No
+Has the market value of the subject property decreased since the effective date of the original appraisal?  
+
+Appraisal Update Commentary
+
+I have summarized my analysis and conclusions in this appraisal update, even though this report does not contain all the supporting rationale
+for the opinions and conclusions set forth in this report, I have retained all supporting data and necessary documentation in my work file.
+
+Both the FHFA and Freddie Mac House Price Indices change of value for the MSA of Washington-Arlington-Alexandria-DC-VA-MD-WV, which
+the subject is in, was a 4.1% increase from the period of September 20, 2019 to March 20, 2020. I used the sales comparison approach by using
+multiple sales in the subject’s market which confirms that the subject’s market value has not decreased since the effective date of the original
+appraisal.
+
+Assignment Information
+
+Borrower Name
+
+Betty Borrower
+Bob Borrower
+
+Contact Information
+
+Client/Lender
+
+Company Name
+Company Address
+
+Appraiser
diff --git a/chunks/txt/b371c2a9b6d11d5fe7a0ea7c79d21491485c9fe932eb3e14efd4139f7e392067.txt b/chunks/txt/b371c2a9b6d11d5fe7a0ea7c79d21491485c9fe932eb3e14efd4139f7e392067.txt
new file mode 100644
index 0000000000000000000000000000000000000000..83d3fb01f0dad0539bba6cf9e50841705df17b85
--- /dev/null
+++ b/chunks/txt/b371c2a9b6d11d5fe7a0ea7c79d21491485c9fe932eb3e14efd4139f7e392067.txt
@@ -0,0 +1,206 @@
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/COST_ANALYSIS/@EstimatedRem
+ainingEconomicLifeYearsCount
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/COST_ANALYSIS/@SiteEstimatedV
+alueAmount
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/COST_ANALYSIS/NEW_IMPROV
+EMENT[@_Type='Dwelling']/@SquareFeetCou
+nt
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/COST_ANALYSIS/NEW_IMPROV
+EMENT[@_Type='Dwelling']/@PricePerSquare
+FootAmount
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/COST_ANALYSIS/NEW_IMPROV
+EMENT[@_Type='Dwelling']/@_CostAmount
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/COST_ANALYSIS/NEW_IMPROV
+EMENT[@_Type='Other']/@_TypeOtherDescri
+ption
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/COST_ANALYSIS/NEW_IMPROV
+EMENT[@_Type='Other']/@SquareFeetCount
+
+4
+
+9
+
+5
+
+9
+
+12
+
+20
+
+10
+
+Numeric
+
+PDF Display Format:
+Whole numbers only.
+
+Money
+
+PDF Display Format:
+Whole numbers only.
+
+Numeric
+
+PDF Display Format:
+Whole numbers only.
+
+Money
+
+PDF Display Format:
+In dollars, to two decimal places.
+
+Money
+
+PDF Display Format:
+Whole numbers only.
+
+String
+
+Numeric
+
+PDF Display Format:
+Whole numbers only.
+
+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 71 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
diff --git a/chunks/txt/b380ea96dc3d1e08cb163782801462317e86382bd253e4a7a0bc520f700a418b.txt b/chunks/txt/b380ea96dc3d1e08cb163782801462317e86382bd253e4a7a0bc520f700a418b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7934943c25d84adf06f4eac1c0812ee7008c5841
--- /dev/null
+++ b/chunks/txt/b380ea96dc3d1e08cb163782801462317e86382bd253e4a7a0bc520f700a418b.txt
@@ -0,0 +1,259 @@
+PR32393510
+
+2019-09-06
+
+Physical
+
+Physical
+
+Richard
+
+Real
+
+Richard's Agency
+
+789 East St
+
+Nowhere
+
+90021
+
+CA
+
+RealEstateAgent
+
+PropertyDataCollector
+
+Inspection
+
+PropertyOwner
+
+CondominiumQuestionnaire
+
+PropertyDataReport
+
+AssessorRecord
+
+MLS
+
+M32583
+
+MLS
+
+M32380
+
+MLS
+
+M28713
+
+MLS
+
+M51774
+
+MLS
+
+XYZ MLS
+
+201 Underhill Dr
+
+Unit
+
+2C
+
+Nowhere
+
+90021
+
+CA
+
+201 Underhill Dr
+
+Unit
+
+202
+
+Nowhere
+
+Star Hills
+
+90021
+
+CA
+
+ParkingGarage
+
+2
+
+Owned
+
+None
+
+false
+
+false
+
+false
+
+None
+
+None
+
+604
+
+Monthly
+
+AssociationDues
+
+SanitarySewer
+
+Water
+
+1580
+
+AssociationSpecialAssessment
+
+Existing
+
+false
+
+false
+
+true
+
+false
+
+Dwelling
+
+false
+
+1973
+
+true
+
+None
+
+Carpet
+
+All floors were updated at the same time as other interior work was performed.
+
+TypicalWearAndTear
+
+Wool carpeting.
+
+CeramicTile
+
+No adverse conditions noted.
+
+TypicalWearAndTear
+
+Typical ceramic tile.
+
+Wool carpeting
+
+Flooring
+
+SignificantlyUpdated
+
+Some areas of peeling paint.
+
+DamagedAndFunctional
+
+Add comment if needed.
+
+WallsAndCeiling
+
+EightFeet
+
+Flat
+
+AboveGrade
+
+1092
+
+LevelOne
+
+0
+
+0
+
+0
+
+0
+
+0
+
+1092
+
+0
+
+false
+
+false
+
+2
+
+false
+
+2
+
+2
+
+0
+
+C3
+
+Q4
+
+1
+
+Decorative tiling and finishes
+
+FullyUpdated
+
+true
+
+false
+
+OwnerOccupied
+
+Additional commentary can be added here, if needed by Appraiser.
+
+LevelOne
+
+Bedroom
+
+LevelOne
+
+Bedroom
+
+Dining Area
+
+\\Images\Condo1_DiningRoom.jpg
+
+image/jpeg
+
+LevelOne
+
+DiningRoom
+
+25
+
+Bath 1
+
+2019-09-05T22:45:34Z
+
+\\Images\Condo1_BathFull1.jpg
+
+image/jpeg
+
+LevelOne
+
+Add comment if needed.
+
+TypicalWearAndTear
+
+Tile shower and custom vanity, owners utilized custom designer for tile work.
+
+FullBathroom
+
+OneToFiveYears
diff --git a/chunks/txt/b3817a026b950e3fdc1ccc1d55adbfa43ba038f27aef416a5c672a2df9f812fe.txt b/chunks/txt/b3817a026b950e3fdc1ccc1d55adbfa43ba038f27aef416a5c672a2df9f812fe.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7203e6b32a5f5834baeb6e22eff8875f8a75499a
--- /dev/null
+++ b/chunks/txt/b3817a026b950e3fdc1ccc1d55adbfa43ba038f27aef416a5c672a2df9f812fe.txt
@@ -0,0 +1,175 @@
+Always
+
+Always required
+
+Yes
+22.13.04
+
+No
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+Vehicle Storage
+•
+
+Vehicle Storage
+Type 13.000 -
+13.001
+
+Any adjustment for Vehicle Storage must be made in this row.
+
+Vehicle Storage Type
+•
+•
+•
+•
+•
+•
+•
+•
+•
+
+None
+Carport
+Common Carport
+Driveway
+Garage
+Open Lot
+Parking Garage
+Shared Driveway
+Other (Describe)
+
+Appendix F-1: URAR Reference Guide
+
+Page 266 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: Vehicle Storage
+
+22.13.01
+22.13.05
+
+Type | Spaces
+| Detail
+
+Always
+
+Yes | No
+
+Required if Vehicle
+Storage Type is
+Driveway or Shared
+Driveway
+
+Vehicle Storage
+•
+10 or More
+Parking Spaces
+13.002
+
+22.13.01
+22.13.05
+
+Type | Spaces
+| Detail
+
+Always
+
+22.13.01
+22.13.05
+
+Type | Spaces
+| Detail
+
+Always
+
+22.13.01
+22.13.05
+
+Type | Spaces
+| Detail
+
+Always
+
+22.13.01
+22.13.05
+
+Type | Spaces
+| Detail
+
+Always
+
+Required for all
+Vehicle Storage Types
+except driveways or
+shared driveways with
+10 or more spaces
+
+Required when Vehicle
+Storage Type is
+Common Carport,
+Open Lot or Parking
+Garage
+
+Required when Vehicle
+Storage Type is
+Carport or Garage
+
+Required when Vehicle
+Storage Type is
+Driveway or Shared
+Driveway
+
+Whole number
+
+Vehicle Storage
+•
+
+Dedicated Parking
+Spaces 13.002
+
+Vehicle Storage
+•
+
+Parking Space
+Assignment Type
+13.003
+
+Vehicle Storage
+•
+
+Vehicle Storage
+Attachment Type
+13.003
diff --git a/chunks/txt/b38c1cc87c4de20b6193e8d205d3f78f169b447dbf32152bba4a18359c4e7203.txt b/chunks/txt/b38c1cc87c4de20b6193e8d205d3f78f169b447dbf32152bba4a18359c4e7203.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8b2a3941c6b9ebc1c5b4b5c5c7441573f3671f87
--- /dev/null
+++ b/chunks/txt/b38c1cc87c4de20b6193e8d205d3f78f169b447dbf32152bba4a18359c4e7203.txt
@@ -0,0 +1,17 @@
+**Q8. From a systems development perspective, are there any key features or requirements that lenders and/or technology solution providers need to plan for?**
+
+One critical requirement is that all UCD files delivered to Fannie Mae must have either a DU-generated Casefile ID or a UCD-generated Casefile ID. Any loan that does not have a DU Casefile ID or is not being delivered as a DU loan will receive a UCD Casefile ID upon submission of the UCD file.
+
+**Q9. What resources and documentation does Fannie Mae provide to customers?**
+
+Visit the [UCD page](/delivering/uniform-mortgage-data-program/uniform-closing-dataset) or [UCD Collection Solution page](/learning-center/delivering/uniform-closing-dataset-ucd-collection-solution) on [FannieMae.com](https://www.fanniemae.com/portal/index.html) for resources like the User Guide, a list of edit feedback messages, quick guides for using the UCD collection solution (for sellers and non-sellers), and much more. Self-paced eLearning tutorials are available to help you understand UCD and navigate the UCD collection solution.
+
+**Q10. Can we upload a UCD file even if we are not going to sell the loan to Fannie Mae?**
+
+Yes, you can upload UCD files even if you are not selling the loans to Fannie Mae.
+
+**Q11. Can we upload a Government Loan run through Desktop Underwriter (DU) into the UCD Collection Solution?**
+
+Yes. But you must remove the DU Casefile ID from the UCD XML file before submission. Should you try to deliver the loan to Fannie Mae, you will need to include the DU Casefile ID in the delivery file.
+
+**Q12. Is there a test environment available for UCD files?**
diff --git a/chunks/txt/b38cce420efde9efe3ab5728f6fd7aada6cc2b06350e842b3234e36716fb48e3.txt b/chunks/txt/b38cce420efde9efe3ab5728f6fd7aada6cc2b06350e842b3234e36716fb48e3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4cc1669496582d172f2880d8477c5d79b4ddb6b7
--- /dev/null
+++ b/chunks/txt/b38cce420efde9efe3ab5728f6fd7aada6cc2b06350e842b3234e36716fb48e3.txt
@@ -0,0 +1,143 @@
+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
+
+Add comment if needed.
+
+Moderately Updated
+
+Apparent Defects, Damages, Deficiencies (Unit Interior - Building 2 - Unit 2)
+
+The items listed below represent the As Is condition as of the effective date of this report
+
+Feature
+Cabinetry
+
+Cabinetry
+
+Location
+Bathroom
+
+Kitchen
+
+Description
+Some hardware noted to be missing from
+cabinets exhibiting moderate wear and tear.
+
+Affects Soundness or
+Structural Integrity
+No
diff --git a/chunks/txt/b392f4a972c01db901c20fd7148263675e15ef413106c6501f4d613ef49a9317.txt b/chunks/txt/b392f4a972c01db901c20fd7148263675e15ef413106c6501f4d613ef49a9317.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e9dd428c3f87d9f4e4e9464b4e315244b371f5e1
--- /dev/null
+++ b/chunks/txt/b392f4a972c01db901c20fd7148263675e15ef413106c6501f4d613ef49a9317.txt
@@ -0,0 +1,147 @@
+•
+
+•
+
+Appendix F-1: URAR Reference Guide
+
+Page 239 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: Dwelling(s)
+
+22.05.06
+22.05.29
+
+Townhouse
+End Unit
+
+If relevant
+
+22.05.07
+22.05.31
+
+Townhouse
+Back to Back
+
+If relevant
+
+22.05.08
+22.05.33
+
+Townhouse
+Location
+
+If relevant
+
+22.05.08
+22.05.33
+
+Townhouse
+Location
+
+If relevant
+
+22.05.09
+22.05.35
+
+Construction
+Method
+
+If relevant
+
+Required if Structure
+Design is Rowhouse /
+Townhouse, and the
+row is included in the
+sales comparison grid
+
+Required if Structure
+Design is Rowhouse /
+Townhouse, and the
+row is included in the
+sales comparison grid
+
+Required if Structure
+Design is Rowhouse /
+Townhouse, and the
+row is included in the
+sales comparison grid
+
+Required when Units
+Above or Below is Yes,
+and the row is
+included in the sales
+comparison grid
+
+Required when the
+row is included in the
+sales comparison grid
+
+Yes | No
+
+Yes | No
+
+Yes | No
+
+Dwelling Exterior, for
+each dwelling
+•
+
+Townhouse End
+Unit 8.006
+
+Dwelling Exterior, for
+each dwelling
+•
+
+Townhouse Back
+to Back 8.007
+
+Yes
+22.05.30
+
+Indicates whether the rowhouse / townhouse is located at the end of a
+row of attached properties.
+
+Yes
+22.05.32
+
+Indicates whether the rowhouse / townhouse shares a rear wall with a
+rear wall of another property.
+
+Dwelling Exterior, for
+each dwelling
+•
+
+Units Above or
+Below 8.008
+
+Yes
+22.05.34
diff --git a/chunks/txt/b39a2293dd7813fd74c22def94bfbf4bf1f32ef49a7dc50cf1b1dc298dc0bbea.txt b/chunks/txt/b39a2293dd7813fd74c22def94bfbf4bf1f32ef49a7dc50cf1b1dc298dc0bbea.txt
new file mode 100644
index 0000000000000000000000000000000000000000..234540cd4cc78e38e14648d6f87a96de3e698ee4
--- /dev/null
+++ b/chunks/txt/b39a2293dd7813fd74c22def94bfbf4bf1f32ef49a7dc50cf1b1dc298dc0bbea.txt
@@ -0,0 +1,104 @@
+Project Factors Commentary
+
+Project Factors Commentary
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+18.094 Project Factors
+
+If applicable
+
+Free-form
+
+Commentary
+
+Definition / Additional Guidance
+
+Overall commentary for all project factors.
+•
+•
+
+Details captured above that require additional support
+Information pertinent to project factors impacting value and /or
+marketability that is not captured in the details above
+
+Appendix F-1: URAR Reference Guide
+
+Page 199 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+18 Project Information
+
+Project Information Commentary
+
+Project Information Commentary
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+18.095 Project
+
+If applicable
+
+Free-form
+
+Information
+Commentary
+
+Project Information Exhibits
+
+Definition / Additional Guidance
+
+Commentary could include information pertinent to the Project Information
+section that is not captured in the discrete data, or additional details to support
+the discrete data that is provided.
+
+All photos or images related to the Project Information section are displayed in the Project Information Exhibits
+subsection. If there are no photos or images, this subsection does not display.
+
+Project Information Exhibits
+
+Report
+Field ID
+
+See
+iGuide
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Project
+Information
+Exhibits
+
+If applicable
+
+Photos or images
+
+Photos or images relevant to the Project Information section may be provided,
+which display in Project Information Exhibits. If the photo or image is not
+specifically indicated above, provide an additional caption.
diff --git a/chunks/txt/b3a61a1a5f6122beec8b6d48a08168b8704616019d623c502332c273dd169393.txt b/chunks/txt/b3a61a1a5f6122beec8b6d48a08168b8704616019d623c502332c273dd169393.txt
new file mode 100644
index 0000000000000000000000000000000000000000..069141d0a0ab378117869e89b3eaccfe4c5a56c5
--- /dev/null
+++ b/chunks/txt/b3a61a1a5f6122beec8b6d48a08168b8704616019d623c502332c273dd169393.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/mortgage-translations/covid-19-resources"
+date_accessed: "2026-01-27T17:54:20.454Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/b3a7eee49f27bd84c45455f107a213b0bd459c5f3652e62f2161c351fe105a98.txt b/chunks/txt/b3a7eee49f27bd84c45455f107a213b0bd459c5f3652e62f2161c351fe105a98.txt
new file mode 100644
index 0000000000000000000000000000000000000000..46ae3f9accee0e17e291ce71b6ee257612ea622a
--- /dev/null
+++ b/chunks/txt/b3a7eee49f27bd84c45455f107a213b0bd459c5f3652e62f2161c351fe105a98.txt
@@ -0,0 +1,109 @@
+2 20000001 1 3 3 2 5 1 4 5 9 1 5 1 4
+2 20000002 0 1 2 1 2 8 4 5 9 2 5 1 3
+2 20000003 1 2 2 3 1 1 4 5 9 2 5 1 4
+2 20000004 1 2 3 3 3 1 4 5 5 2 1 1 4
+2 20000005 1 2 2 3 2 1 4 9 9 1 5 1 4
+2 20000006 1 3 3 3 4 1 4 2 9 2 5 1 4
+2 20000007 1 3 3 3 3 1 4 9 9 1 5 1 4
+2 20000008 1 3 2 3 3 1 4 5 9 2 5 1 4
+2 20000009 1 3 3 3 4 1 4 6 6 1 1 1 4
+2 20000010 1 2 3 3 1 1 4 5 9 1 5 1 4
+2 20000011 1 2 1 2 3 1 4 5 9 1 5 1 1
+2 20000012 1 3 1 1 5 1 4 3 9 1 5 1 2
+2 20000013 1 2 3 3 3 1 4 5 5 2 2 1 4
+2 20000014 1 1 2 2 2 1 4 5 9 1 5 1 4
+2 20000015 1 3 1 3 3 8 4 2 9 1 5 1 4
+2 20000016 1 3 1 3 2 8 4 2 2 1 2 1 4
+2 20000017 1 3 2 3 2 1 4 5 9 2 5 1 4
+2 20000018 1 2 2 2 4 1 4 7 9 1 5 1 4
+2 20000019 1 2 3 3 2 1 4 5 9 1 5 1 4
+2 20000020 1 3 3 2 1 1 4 5 9 2 5 1 4
+2 20000021 0 1 2 1 1 8 4 5 9 1 5 1 3
+2 20000022 1 2 3 1 9 8 4 5 9 2 5 1 3
+2 20000023 1 3 1 2 2 1 4 7 9 2 5 1 1
+2 20000024 1 3 3 3 2 1 4 9 9 3 3 1 4
+2 20000025 1 3 1 1 1 8 4 3 9 2 5 1 2
+2 20000026 1 2 1 3 1 1 4 5 5 1 2 1 4
+2 20000027 1 3 3 3 1 1 4 2 2 1 2 1 4
+2 20000028 1 3 1 1 2 1 4 7 9 1 5 1 2
+2 20000029 1 2 2 3 2 1 4 5 9 2 5 1 4
+2 20000030 1 2 2 2 2 8 4 5 9 1 5 1 4
+2 20000031 1 3 2 1 2 1 4 1 9 2 5 1 3
+2 20000032 1 2 3 3 3 1 4 5 9 1 5 1 4
+2 20000033 1 1 2 3 2 1 4 5 9 2 5 1 4
+2 20000034 1 2 3 3 1 1 4 5 5 2 1 1 4
+2 20000035 1 3 2 3 4 1 4 5 9 2 5 1 4
+2 20000036 1 2 2 3 2 8 4 5 9 2 5 1 4
+2 20000037 1 2 3 3 2 1 4 5 9 2 5 1 4
+2 20000038 1 2 2 2 5 1 4 5 9 1 5 1 4
+2 20000039 1 2 2 2 1 8 4 5 7 1 2 1 4
+2 20000040 1 1 1 2 3 1 4 5 9 1 5 1 1
+2 20000041 1 2 2 3 2 1 4 5 5 1 2 1 4
+2 20000042 1 3 2 2 2 8 4 5 5 1 2 1 4
+2 20000043 1 2 2 3 1 8 4 5 5 2 2 1 4
+2 20000044 1 3 1 3 2 8 4 7 9 1 5 1 4
+2 20000045 1 2 3 3 2 1 4 5 5 1 2 1 4
+2 20000046 1 3 1 2 5 1 4 3 3 2 2 1 1
+2 20000047 1 2 3 3 5 1 4 5 9 1 5 1 4
+2 20000048 1 3 3 3 4 1 4 9 9 3 3 1 4
+2 20000049 1 2 3 3 1 8 4 5 9 1 5 1 4
+2 20000050 1 3 2 3 2 1 4 5 5 2 1 1 4
+2 20000051 0 1 2 1 2 1 4 5 9 2 5 1 3
+2 20000052 1 2 3 3 1 8 4 5 5 2 1 1 4
+2 20000053 1 2 2 3 2 1 4 5 9 1 5 1 4
+2 20000054 1 3 3 3 1 1 4 7 9 1 5 1 4
+2 20000055 1 3 2 3 3 1 4 5 5 1 2 1 4
+2 20000056 1 3 3 2 3 1 4 7 9 2 5 1 4
+2 20000057 1 3 2 2 2 1 4 9 9 2 5 1 4
+2 20000058 1 2 2 1 5 1 4 7 9 2 5 1 3
+2 20000059 1 2 3 3 2 1 4 5 9 1 5 1 4
+2 20000060 1 3 2 3 2 1 4 7 5 2 1 1 4
+2 20000061 1 2 2 3 4 1 4 6 6 1 2 1 4
+2 20000062 1 2 3 3 2 8 4 5 9 2 5 1 4
+2 20000063 1 3 3 3 2 1 4 3 9 2 5 1 4
+2 20000064 1 3 3 3 2 1 4 7 7 1 2 1 4
+2 20000065 1 1 2 2 2 8 4 5 9 1 5 1 4
+2 20000066 1 2 3 2 2 1 4 2 9 2 5 1 4
+2 20000067 1 3 2 3 2 8 4 5 9 2 5 1 4
+2 20000068 1 3 3 3 1 1 4 2 9 1 5 1 4
+2 20000069 1 2 3 3 1 8 4 5 5 2 2 1 4
+2 20000070 0 3 3 3 1 1 4 6 6 1 2 1 4
+2 20000071 1 1 2 3 2 1 4 5 5 1 2 1 4
+2 20000072 1 2 3 3 4 1 4 2 9 1 5 1 4
+2 20000073 1 1 2 2 5 1 4 5 9 2 5 1 4
+2 20000074 1 3 2 3 2 1 4 5 9 2 5 1 4
+2 20000075 1 3 2 2 5 1 4 9 9 3 5 1 4
+2 20000076 1 3 2 3 2 1 4 5 9 1 5 1 4
+2 20000077 1 3 2 3 4 1 4 5 7 1 1 1 4
+2 20000078 1 3 3 3 3 1 4 7 9 1 5 1 4
+2 20000079 1 3 1 3 2 8 4 7 9 1 5 1 4
+2 20000080 1 2 3 3 3 1 4 5 9 1 5 1 4
+2 20000081 0 1 2 3 2 1 4 5 9 1 5 1 4
+2 20000082 1 3 2 3 2 1 4 2 2 2 2 1 4
+2 20000083 1 2 3 3 3 1 4 5 9 1 5 1 4
+2 20000084 1 2 2 3 3 1 4 5 9 2 5 1 4
+2 20000085 1 2 3 3 1 1 4 5 9 1 5 1 4
+2 20000086 1 3 1 3 4 1 4 7 9 1 5 1 4
+2 20000087 1 2 3 1 1 8 4 5 5 1 2 1 3
+2 20000088 1 1 2 3 4 1 4 5 9 2 5 1 4
+2 20000089 1 2 3 3 1 1 4 5 9 1 5 1 4
+2 20000090 0 2 2 3 1 8 4 9 9 1 2 1 4
+2 20000091 1 2 3 3 9 1 4 5 5 1 2 1 4
+2 20000092 1 2 3 3 2 1 4 5 5 1 2 1 4
+2 20000093 1 2 2 3 2 1 4 7 9 2 5 1 4
+2 20000094 1 2 2 3 2 1 4 7 9 1 5 1 4
+2 20000095 1 2 3 3 2 1 4 5 9 1 5 1 4
+2 20000096 1 3 2 3 1 1 4 2 2 1 2 1 4
+2 20000097 1 2 3 3 4 1 4 7 5 1 2 1 4
+2 20000098 1 3 2 3 4 1 4 3 9 2 5 1 4
+2 20000099 1 2 3 3 2 1 4 5 9 1 5 1 4
+2 20000100 0 2 2 2 2 1 4 5 9 1 5 1 4
+2 20000101 1 2 3 3 1 1 4 2 9 2 5 1 4
+2 20000102 1 3 2 3 2 1 4 5 5 1 2 1 4
+2 20000103 1 1 2 3 2 8 4 5 9 2 5 1 4
+2 20000104 1 2 2 2 2 8 4 2 2 1 2 1 4
+2 20000105 1 3 2 2 3 1 4 3 9 2 5 1 4
+2 20000106 1 2 3 3 3 1 4 5 5 1 2 1 4
+2 20000107 1 2 2 3 2 1 4 5 9 2 5 1 4
+2 20000108 0 2 2 3 2 1 4 6 6 1 2 1 4
+2 20
diff --git a/chunks/txt/b3ac21bc2178fd844f0248563a2001f0a68b14dd55c4896644025b1ba070091c.txt b/chunks/txt/b3ac21bc2178fd844f0248563a2001f0a68b14dd55c4896644025b1ba070091c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..32f4cbcc1f5213b276d57d2aeeac8e5700eb5b27
--- /dev/null
+++ b/chunks/txt/b3ac21bc2178fd844f0248563a2001f0a68b14dd55c4896644025b1ba070091c.txt
@@ -0,0 +1,56 @@
+At the same time as the HMDA
+
+expansion in Regulation C, the
+Enterprises updated their single-family
+data collection through the Uniform
+Mortgage Data Program (UMDP)
+datasets.23 The UMDP is a joint
+Enterprise project to develop and
+implement mortgage data standards for
+the single-family loans they purchase or
+securitize. Improving Enterprise
+mortgage data standardization has been
+an annual Conservatorship Scorecard
+goal since 2012. The UMDP data
+requirements are generally aligned
+between the Enterprises. As a result of
+the expansion of HMDA and updates to
+the UMDP datasets, many new HMDA
+data elements are now available for
+inclusion in the PUDB Single-Family
+Census Tract File.
+
+The Enterprises’ multifamily data
+
+collections are not included in the
+UMDP datasets. However, some HMDA
+data elements are now collected by the
+Enterprises for multifamily loans and
+are available for inclusion in the PUDB
+Multifamily Census Tract File.
+
+Since both HMDA and Enterprise data
+
+collections have changed substantially
+since FHFA last added HMDA data to
+the PUDB in 2010, FHFA undertook a
+new review of all HMDA data elements.
+
+To identify the new HMDA data eligible
+for inclusion in the PUDB, FHFA
+requested that the Enterprises map their
+single-family and multifamily data
+collections to the HMDA data
+definitions in the amended Regulation
+C. Based on the data mapping and
+discussions with the Enterprises, FHFA
+identified the new HMDA data elements
+collected by the Enterprises and
+available to be included in the PUDB
+Census Tract Files. FHFA also identified
+data elements already disclosed in the
+PUDB that are defined as HMDA data
+elements for the first time under the
+amended Regulation C in 2018 and,
+therefore, no longer qualify for
+proprietary protection in the PUDB.
diff --git a/chunks/txt/b3b6f4ca4fa3957af10a981b5401da055de1b9998284c4967b65bf94a5cb6aaa.txt b/chunks/txt/b3b6f4ca4fa3957af10a981b5401da055de1b9998284c4967b65bf94a5cb6aaa.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0edb9ce9ad903eca239e59d6150e8052663a67f2
--- /dev/null
+++ b/chunks/txt/b3b6f4ca4fa3957af10a981b5401da055de1b9998284c4967b65bf94a5cb6aaa.txt
@@ -0,0 +1,73 @@
+NOTES
+
+Checkboxes set 12-point Wingdings2 with 7 points space between; sets
+initial cap.
+
+• To display with a checkmark, use “R”
+
+• To display unchecked box, use “?”
+
+Wingdings may be used as an alternative. 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), meaning all selected checkboxes should
+display with a checkmark.
+
+CK
+
+NOTES
+
+Sets sentence case.
+
+CK1 – Checkbox (one column)
+
+TEXT
+
+9/11 Myriad Pro Bold x 19 picas, 3 points.
+
+INDENT Align left and text indent 4 points.
+
+Appendix E: Report Style Guide
+
+Page 25 of 90
+
+Version 1.4
+
+CK1
+
+NOTES
+
+Checkboxes set 12-point Wingdings2 “R”, unchecked boxes set 12-point
+Wingdings2 “#” with 7 points space between; align right at 22 picas; sets
+initial cap.
+
+Wingdings may be used as an alternative. 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).
+
+TEXT
+
+H2 sets 9/13-point Myriad Pro Bold; Y/N sets 8/9 Myriad Pro Bold x 22 picas.
+
+INDENT Align left and indent 0 picas 4 points.
+
+RULE
+
+1 point rule x 45 picas wide. Offset 0 picas 4 points.
+
+NOTES
+
+Checkboxes set 12-point Wingdings2 “R”, unchecked boxes set 12-point
+Wingdings2 “#” with 7 points space between; align right at 22 picas; Y/N
+above.
+
+Wingdings may be used as an alternative. 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).
+
+CK-H2 – Checkbox with H2
+
+CK-H2
+
+CK-TAB – Checkboxes on Black Tab
+
+TEXT
diff --git a/chunks/txt/b3c85626cda7a7b1e8cd6517c805a6cce9ae75c80a89fea15e9e37a8866463d8.txt b/chunks/txt/b3c85626cda7a7b1e8cd6517c805a6cce9ae75c80a89fea15e9e37a8866463d8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6e04991e47086f8aeece704617c6fceb45393e3e
--- /dev/null
+++ b/chunks/txt/b3c85626cda7a7b1e8cd6517c805a6cce9ae75c80a89fea15e9e37a8866463d8.txt
@@ -0,0 +1,65 @@
+with 'and'.
+
+Always displays
+
+Always displays
+
+Always displays
+
+Always displays
+
+Always displays
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Report
+Field ID
+
+Cert #
+
+Certifications Text
+
+29.048
+
+27
+
+29.049
+
+28
+
+29.050
+
+29
+
+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.
+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.
+
+I have not performed any service regarding the subject property within the three years preceding the agreement to
+perform this assignment.
+
+I have performed services regarding the subject property within the three years preceding the agreement to perform this
+assignment.
+
+Page 372
+
+Display Rules
+
+Always displays
+
+Always displays
+
+Display when
+AppraiserPriorServicesPerform
+edIndicator = "false"
+Display when
+AppraiserPriorServicesPerform
+edIndicator = "true"
+
+Description of Prior Services - AppraiserPriorServicesPerformedDescription (UID: 2200.0016, FID: 29.051) is required when
+AppraiserPriorServicesPerformedIndicator = "true". This must be delivered in the XML if it exists.
diff --git a/chunks/txt/b3ca8a1818630ead03e309e897c0c07e3ef1305e453501a131d6aac1a11b417c.txt b/chunks/txt/b3ca8a1818630ead03e309e897c0c07e3ef1305e453501a131d6aac1a11b417c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..412e5606b455eba5ef8ce504255e3e581a11b8aa
--- /dev/null
+++ b/chunks/txt/b3ca8a1818630ead03e309e897c0c07e3ef1305e453501a131d6aac1a11b417c.txt
@@ -0,0 +1,88 @@
+888
+
+Both
+
+WaterSense Certification
+Used to identify loans backed by properties with the EPA’s WaterSense Certification, and
+which are eligible for Single-Family Green MBS.
+
+892
+
+Both
+
+HomeStyle® Refresh
+Used to identify loans delivered as HomeStyle Refresh mortgage.
+
+900
+
+Both
+
+HomeReady® Mortgage
+Used to identify HomeReady mortgage loans.
+
+918
+
+Both
+
+Cryptocurrency Reserves
+Used to identify loans where borrowers use cryptocurrency as part of qualifying reserves.
+
+919
+
+Both
+
+920
+
+Both
+
+COVID-19 Forbearance Plan
+Used to identify loans that went into forbearance after closing and before sale to Fannie Mae
+due to a COVID-19 hardship.
+
+Remote Ink-Signed Notarization (RIN)
+Used to identify loans that are closed where the notarizations have been performed via use of
+audio-video technologies in lieu of a traditional in-person closing. RIN is a temporary flexibility
+only permitted in conjunction with the COVID-19 national emergency and the notarization is a
+traditional, manual notarization to a paper document.
+
+Delivery
+Type*
+
+Both
+
+Both
+
+Both
+
+Both
+
+Both
+
+Both
+
+Both
+
+Both
+
+Both
+
+Both
+
+Both
+
+Both
+
+Both
+
+*Delivery Type Definitions
+
+Negotiated – Delivery of a mortgage loan with this feature/characteristic must be negotiated with Fannie Mae.
+
+Both – Delivery of a mortgage loan with this feature/characteristic is permitted in accordance with standard Fannie Mae
+guidelines and may also be applicable to mortgage loans that are covered by a negotiated contract.
+
+© 2025 Fannie Mae
+
+12.10.2025
+
+7 of 7
diff --git a/chunks/txt/b3e617409195032ba5d19361f11ae05b6bdcdeb2388785d1c512b4d59395352b.txt b/chunks/txt/b3e617409195032ba5d19361f11ae05b6bdcdeb2388785d1c512b4d59395352b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..51c0eeef8a10fe38d1ce1939af832712a03a23f2
--- /dev/null
+++ b/chunks/txt/b3e617409195032ba5d19361f11ae05b6bdcdeb2388785d1c512b4d59395352b.txt
@@ -0,0 +1,79 @@
+Sales History Not
+Researched
+Comment
+
+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/VALUATION_METHODS/SALES_COMPA
+RISON/RESEARCH/@SalesHistoryNotResearchedComment
+
+4000
+
+String
+
+Note: All text entered in this field, including overflow into the addendum, must be
+captured and included in the XML data point.
+
+Subject Has Prior
+Sales Indicator
+
+Indicates whether the subject property has
+prior sales history.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/RESEARCH/SUBJECT[@_HasPriorSalesIndicator=‘Y’]
+
+Subject Has Prior
+Sales Indicator
+
+Indicates whether the subject property has
+prior sales history.
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/RESEARCH/SUBJECT[@_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
+
+Subject 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_COMPA
+RISON/RESEARCH/SUBJECT/@DataSourceDescription
+
+150
+
+String
+
+This field should indicate the data sources for the subject prior sale history.
+
+My research did reveal any prior
+sales or transfers of the
+comparable sales for the year
+prior to the date of sale of the
+comparable sale.
+My research did not reveal any
+prior sales or transfers of the
+comparable sales for the year
+prior to the date of sale of the
+comparable sale.
diff --git a/chunks/txt/b3f55152c01ac6d12354d399eab07086787051ed327198fd7cbb073d7b5a87cc.txt b/chunks/txt/b3f55152c01ac6d12354d399eab07086787051ed327198fd7cbb073d7b5a87cc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f5f9814c805b169a98cc7675d9aa0a821794576d
--- /dev/null
+++ b/chunks/txt/b3f55152c01ac6d12354d399eab07086787051ed327198fd7cbb073d7b5a87cc.txt
@@ -0,0 +1,65 @@
+A solid surface outdoor area located on the site.
+Note: Choose this answer if the patio is a common patio available for use by all owners and guests to the project. If the
+patio is intended for the exclusive use of the subject unit, reference the Subject Property Amenities section.
+
+Playground
+
+An outdoor area for children to play in.
+
+Recreation Area
+
+A room or area designated to be used for recreation and entertainment.
+
+Registration Services
+
+A service offered to short-term renters to facilitate their entry into the property.
+Note: Choose this answer if the registration services are included in the mandatory fees.
+
+Appendix F-1: URAR Reference Guide
+
+Page 186 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+18 Project Information
+
+Allowable Answer
+
+Definition / Additional Guidance
+
+Sauna
+
+A room that is designed to be heated to high temperatures, typically with steam.
+
+Common Amenities / Services Included (Choose all that apply)
+
+Shared Laundry Facilities
+
+An area of a structure containing washing machines and / or dryers that are designated for the cleaning and care of
+clothing and linens.
+
+Short Term Rental Services
+
+Service offered to owners to market and rent their units on a short term basis.
+Note: Choose this answer if the short term rental services are included in the mandatory fees.
+
+Sports Court
+
+Trash Removal
+
+Unit Storage
+
+Water Access
+
+Water Frontage
+
+An area, either open or covered, specifically designed for one or more recreational and athletic activities.
+
+A service that removes trash.
+
+A room or area designed to secure personal belongings.
+
+Access rights for project residents and their guests to waterways or bodies of water.
+Note: Choose this answer if the water access is commonly available for use by all owners and guests to the project.
diff --git a/chunks/txt/b405816961a561cd2843856d2f2bb462238df18ffe08b33d46ea0ff8de84a9c5.txt b/chunks/txt/b405816961a561cd2843856d2f2bb462238df18ffe08b33d46ea0ff8de84a9c5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4d9cdc3d46570ec780cea2aa82f40fdb1fb10a6b
--- /dev/null
+++ b/chunks/txt/b405816961a561cd2843856d2f2bb462238df18ffe08b33d46ea0ff8de84a9c5.txt
@@ -0,0 +1,57 @@
+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.
+
+Property Off Site
+Improvement Exists
+Indicator
+
+Indicates that the particular off-site
+improvement feature specified by Property
+Off Site Improvement Feature Type is
+present.
+
+/VALUATION_RESPONSE/PROPERTY/SITE/SITE_UTILITY[@_Type='Sanita
+rySewer']/@_NonPublicDescription
+
+/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
+
+/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[@_Ty
+pe='Alley']/@_Description
+
+/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[@_Ty
+pe='Alley' and @_OwnershipType='Public']/@_ExistsIndicator
+
+/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[@_Ty
+pe='Alley' and @_OwnershipType='Private']/@_ExistsIndicator
+
+/VALUATION_RESPONSE/PROPERTY/SITE/FLOOD_ZONE/FLOOD_ZONE
+_EXTENSION/FLOOD_ZONE_EXTENSION_SECTION[@ExtensionSectionOr
+ganizationName='UNIFORM APPRAISAL
+DATASET']/FLOOD_ZONE_EXTENSION_SECTION_DATA/FLOOD_ZONE
+_INFORMATION[@GSEFEMASpecialFloodHazardAreaIndicator='Y']
+
+120
+
+PROJECT SITE
+
+FEMA Special Flood Hazard Area
+Yes
diff --git a/chunks/txt/b4133b45236fe146b1b47cce97988eda059f61dce040924ae8b3e53fd183c3e3.txt b/chunks/txt/b4133b45236fe146b1b47cce97988eda059f61dce040924ae8b3e53fd183c3e3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..23d9365b79b2cf03a6f54c55b1750d07a2b825c2
--- /dev/null
+++ b/chunks/txt/b4133b45236fe146b1b47cce97988eda059f61dce040924ae8b3e53fd183c3e3.txt
@@ -0,0 +1,64 @@
+A free-form text field used to describe, in
+detail, the amenity specified by Amenity
+Type.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='
+Deck']/@_DetailedDescription
+
+UNIT
+DESCRIPTION
+
+Amenities
+Porch/Balcony
+
+Amenity Exists
+Indicator
+
+Indicates that the amenity specified by
+Amenity Type is present in the structure.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/AMENITY[@_Type='P
+orch']/@_ExistsIndicator
+
+Boolean
+
+UAD Instruction - Refer to Appendix D Improvements Section
+A value of 'Y' indicates individual cooling units, a value of 'N' indicates the box is not
+checked.
+
+Boolean
+
+UAD Instruction - Refer to Appendix D Improvements Section
+A value of 'Y' indicates other cooling, a value of 'N' indicates the box is not checked.
+
+At least one of fields 2-47 (Cooling
+Centralized Indicator = 'Y'), 2-48
+(Cooling Individual Indicator = 'Y'), 2-
+49 (Cooling Other Indicator = 'Y')
+should be indicated. If field 2-50
+(Cooling Unit Description) indicates
+'None' then fields 2-47 and 2-48 should
+not be indicated.
+
+At least one of field 2-47 (Cooling
+Centralized Indicator = 'Y'), 2-48
+(Cooling Individual Indicator = 'Y'), 2-
+49 (Cooling Other Indicator = 'Y')
+should be indicated. If field 2-50
+(Cooling Unit Description) indicates
+'None' then fields 2-47 and 2-48 should
+not be indicated.
+
+String
+
+UAD Instruction - Refer to Appendix D Improvements Section
+This field should indicate the cooling method used, if ‘Other’ is indicated. If no
+cooling, 'None' should be indicated.
+
+This field should be populated if field 2-
+49 (Cooling Other Indicator = 'Y') is
+indicated.
+
+String
+
+This field should contain a description of the materials and condition of the floors.
diff --git a/chunks/txt/b417b7f466a381ede939db2b3e31cb7ddb158ee12899c7e63b579fcfd0013356.txt b/chunks/txt/b417b7f466a381ede939db2b3e31cb7ddb158ee12899c7e63b579fcfd0013356.txt
new file mode 100644
index 0000000000000000000000000000000000000000..63336c9e8baf2b02650b511fb048f7b92fa22d91
--- /dev/null
+++ b/chunks/txt/b417b7f466a381ede939db2b3e31cb7ddb158ee12899c7e63b579fcfd0013356.txt
@@ -0,0 +1,3 @@
+Dwelling(s) ................................................................................................................................................................................................................................ 285
+
+Energy Efficient and Green Features ........................................................................................................................................................................................ 286
diff --git a/chunks/txt/b423d8899801621174c444ab5f771e0473eeac018299e73167f03b87e8c11098.txt b/chunks/txt/b423d8899801621174c444ab5f771e0473eeac018299e73167f03b87e8c11098.txt
new file mode 100644
index 0000000000000000000000000000000000000000..feb19feb062a929d8f8932ac2f00df12a5a3ddca
--- /dev/null
+++ b/chunks/txt/b423d8899801621174c444ab5f771e0473eeac018299e73167f03b87e8c11098.txt
@@ -0,0 +1,27 @@
+Updates to Align with the Selling Guide
+
+Miscellaneous Message Text Changes
+
+To continue to provide clarity and consistency with the Selling Guide, various DU messages will be updated.
+
+Retirement of DU Version 10.3
+
+With the release of DU Version 11.1, DU Version 10.3 will be retired. Therefore, effective the weekend of Feb. 25, 2023, customers
+will no longer be able to resubmit loan casefiles to DU Version 10.3. Customers will be able to view online loan applications and
+DU Underwriting Findings reports that were created under DU Version 10.3. To obtain an updated underwriting recommendation
+after the weekend of Feb. 25, customers must create a new loan casefile and submit it to DU.
+
+Note: DU Version 10.3 loan casefiles would have been created prior to March 13, 2021; therefore, those loan casefiles would
+have been created 23 months prior to the retirement of DU Version 10.3.
+
+For More Information
+
+For more information about these Release Notes, lenders may contact their Fannie Mae Business Account Management Solutions
+(BAMS) team, and mortgage brokers should contact their DO sponsoring wholesale lender. For technology considerations, an
+Integration Impact Memo will be posted on the Technology Integration page.
+
+© 2023 Fannie Mae.
+
+1.25.23
+
+2 of 2
diff --git a/chunks/txt/b42c933a0f3160462afddd323427127ca1609bc50f5cb765b6cacc0d7915411b.txt b/chunks/txt/b42c933a0f3160462afddd323427127ca1609bc50f5cb765b6cacc0d7915411b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4b9adb9f26142518a41d160ca6e213ffc30f56a7
--- /dev/null
+++ b/chunks/txt/b42c933a0f3160462afddd323427127ca1609bc50f5cb765b6cacc0d7915411b.txt
@@ -0,0 +1,177 @@
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_P
+RICE_ADJUSTMENT[@_Type='EnergyEfficient']/@_Description
+
+20
+
+String
+
+/VALUATION_RESPONSE/VALUATION_METHODS/SALES_COMPA
+RISON/COMPARABLE_SALE[@PropertySequenceIdentifier='0']/SALE_P
+RICE_ADJUSTMENT[@_Type='CarStorage']/@_Description
+
+20
+
+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.
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+CR
+
+T
+
+T
+
+R
+
+R
+
+Form FNM 2055 FRE 2055
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 191 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
+
+265
+
+266
+
+267
+
+268
+
+269
+
+270
+
+271
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+2
+
+38
+
+39
+
+40
+
+41
+
+42
+
+43
+
+44
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+SALES
+COMPARISON
+APPROACH
+
+Porch/Patio/Deck
+
+Extra Item Feature Name
+
+Extra Item Feature Description
+
+Extra Item Feature Name
+
+Extra Item Feature Description
+
+Extra Item Feature Name
+
+Extra Item Feature Description
+
+Sale Price
+Adjustment
+Description
+
+Sale Price
+Adjustment Type
+Other Description
diff --git a/chunks/txt/b440c921e070d59426664e6ed02f6e4b066d218f1cf1ec8f34e2b7dc7763b54c.txt b/chunks/txt/b440c921e070d59426664e6ed02f6e4b066d218f1cf1ec8f34e2b7dc7763b54c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ffabdacdc5d5b583e0f091ac06572700d7efe692
--- /dev/null
+++ b/chunks/txt/b440c921e070d59426664e6ed02f6e4b066d218f1cf1ec8f34e2b7dc7763b54c.txt
@@ -0,0 +1,84 @@
+Neighborhood
+Present Land Use
+Percent
+
+Neighborhood
+Present Land Use
+Percent
+
+Neighborhood
+Present Land Use
+Percent
+
+Neighborhood
+Present Land Use
+Percent
+
+Neighborhood
+Present Land Use
+Percent
+
+GSE Neighborhood
+Boundaries
+Description
+
+Neighborhood
+Description
+Neighborhood
+Market Conditions
+Description
+
+Site Dimensions
+Description
+
+Specifies the typical length of time a
+property would stay on the market
+before being sold in the
+neighborhood
+The low price of the neighborhood
+housing specified in Neighborhood
+Housing Type.
+The high price of the neighborhood
+housing specified in Neighborhood
+Housing Type.
+The predominant price of the
+neighborhood housing specified by
+Neighborhood Housing Type.
+The age, in years, of the newest
+neighborhood housing specified in
+Neighborhood Housing Type.
+The age, in years, of the oldest
+neighborhood housing specified in
+Neighborhood Housing Type.
+The predominant age, in years, of the
+neighborhood housing specified by
+Neighborhood Housing Type.
+Used to specify the percentage of land
+used for the category specified by
+Neighborhood Present Land Use
+Type.
+Used to specify the percentage of land
+used for the category specified by
+Neighborhood Present Land Use
+Type.
+Used to specify the percentage of land
+used for the category specified by
+Neighborhood Present Land Use
+Type.
+Used to specify the percentage of land
+used for the category specified by
+Neighborhood Present Land Use
+Type.
+Used to specify the percentage of land
+used for the category specified by
+Neighborhood Present Land Use
+Type.
+
+The boundaries of the subject
+neighborhood. These 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.
diff --git a/chunks/txt/b451befb31770ddb516a3bc02672e0505352162ce42d15aeecf9462221bfb92c.txt b/chunks/txt/b451befb31770ddb516a3bc02672e0505352162ce42d15aeecf9462221bfb92c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2a2253e9ac343a1c2995642df0d304e59685752f
--- /dev/null
+++ b/chunks/txt/b451befb31770ddb516a3bc02672e0505352162ce42d15aeecf9462221bfb92c.txt
@@ -0,0 +1,259 @@
+None
+
+None
+
+Street Type | Surface
+
+Local Road | Asphalt
+
+Pastoral | Full
+
+Pastoral | Full
+
+Local Road
+| Asphalt
+
+Pastoral | Full
+
+Rural Road
+| Gravel
+
+Agricultural | Full
+
+1979
+
+Colonial
+
+1980
+
+Colonial
+
+$0
+
+1984
+
+Colonial
+
+$0
+
+1938
+
+Farmhouse
+
+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
+
+$0
+
+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
+
+3
+
+$0
+
+2 | 1
+
+$30,000
+
+3,228 Sq. Ft.
+
+$0
+
+3,562 Sq. Ft.
+
+$(20,640)
+
+1,856 Sq. Ft.
+
+$115,840
+
+1,581 Sq. Ft.
+
+$(9,480)
+
+1,000 Sq. Ft.
+
+$13,760
+
+616 Sq. Ft.
+
+395 Sq. Ft.
+
+$4,420
+
+281 Sq. Ft.
+
+$6,700
+
+0 Sq. Ft.
+
+0 Sq. Ft.
+
+$53,760
+
+$12,320
+
+Standalone ADU
+
+Dwelling
+
+1
+
+1 | 0
+
+$0
+
+$0
+
+Dwelling
+
+1
+
+1 | 0
+
+$0
+
+$0
+
+ADU/Garage
+
+1
+
+1 | 0
+
+$0
+
+$0
+
+500 Sq. Ft.
+
+$(1,840)
+
+0 Sq. Ft.
+
+$18,560
+
+625 Sq. Ft.
+
+$(6,440)
+
+0 Sq. Ft.
+
+500 Sq. Ft.
+
+$(20,000)
+
+0 Sq. Ft.
+
+5
+
+3 | 1
+
+3,304 Sq. Ft.
+
+1,344 Sq. Ft.
+
+0
+
+1 | 0
+
+464 Sq. Ft.
+
+0 Sq. Ft.
+
+Quality and Condition (Ratings: 1-6, 1 is highest)
+
+Exterior Quality and Condition
+
+Quality
+
+Exterior Walls and Trim
+
+Roof
+
+Condition
+
+Q4
+
+Aluminum
+
+Composition
+
+C3
+
+Q4
+
+Vinyl
+
+Metal
+
+C3
+
+Q4
+
+Aluminum
+
+Composition
+
+C3
+
+Q2
+
+Cement Board
diff --git a/chunks/txt/b45bd9fecded285859a1a13bb810b1ff225167c2376c9af28420e79bb6bf0515.txt b/chunks/txt/b45bd9fecded285859a1a13bb810b1ff225167c2376c9af28420e79bb6bf0515.txt
new file mode 100644
index 0000000000000000000000000000000000000000..191cc6088116691b585646b231ae6bf3497cc52d
--- /dev/null
+++ b/chunks/txt/b45bd9fecded285859a1a13bb810b1ff225167c2376c9af28420e79bb6bf0515.txt
@@ -0,0 +1,98 @@
+Income Approach – Indicated Value by Income Approach
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+24.022 Total Monthly
+
+Always required
+
+Dollar amount
+
+Market Rent
+
+24.023
+
+x Gross Rent
+Multiplier
+
+Always required
+
+Number
+
+Definition / Additional Guidance
+
+Redisplays from the Rental Information section 23.01.21.
+Note: For the subject, the Gross Monthly Rent 24.007 may not equal the Total
+Monthly Market Rent 24.022.
+
+The factor used in calculating the indicated value of the subject property when
+using the Income Approach method of property valuation.
+
+Note: This information is input by the appraiser based on their analysis of the
+Gross Rent Multipliers for the GRM comparables 24.020.
+
+24.024 = Indicated
+
+Always required
+
+Dollar amount
+
+Calculated: Total Monthly Market Rent x Gross Rent Multiplier
+
+Value by Income
+Approach
+
+Appendix F-1: URAR Reference Guide
+
+Page 309 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+24 Income Approach
+
+Income Approach Commentary
+
+The Income Approach Commentary subsection always displays when Income Approach is included in the report.
+
+Report
+Field ID
+
+24.025
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+Income Approach Commentary
+
+Income
+Approach
+Commentary
+
+Always required
+
+Free-form
+
+Report additional details and analysis to support conclusions, including how
+Comparable Weight and Gross Rent Multiplier were determined.
+
+Note: Overall reconciliation of value is reported in the Reconciliation section.
+
+Income Approach Exhibits
+
+All photos or images related to the Income Approach section are displayed in the Income Approach Exhibits subsection.
diff --git a/chunks/txt/b45e6b1276c74f07bdf0158d13edae8afc712999f3c22f06dc8577324f25a3d6.txt b/chunks/txt/b45e6b1276c74f07bdf0158d13edae8afc712999f3c22f06dc8577324f25a3d6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8442bb79efb54c4f1876f99f0f3d62f3dfd54565
--- /dev/null
+++ b/chunks/txt/b45e6b1276c74f07bdf0158d13edae8afc712999f3c22f06dc8577324f25a3d6.txt
@@ -0,0 +1,104 @@
+•
+•
+•
+•
+
+•
+
+ID
+
+04.019
+04.034
+
+Required if Credential
+Type is not None
+
+Free-form
+
+The credential as reported by the ASC. Commonly referred to as “credential
+number,” “license number,” or “certification number.”
+Note: Do not include state in the ID field unless it is part of the credential
+number as reported on the ASC National Registry.
+
+State
+
+04.020
+04.035
+
+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
+
+04.021
+04.036
+
+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
+
+04.022
+04.037
+
+04.023
+04.038
+
+04.024
+04.039
+
+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.
diff --git a/chunks/txt/b460af9dd5ded7b3121d402a0c96011368c92574fff8c0386341c904a9b0a49b.txt b/chunks/txt/b460af9dd5ded7b3121d402a0c96011368c92574fff8c0386341c904a9b0a49b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5a506bdabb2f6f1a8a5f6293375d4b5ba626dae6
--- /dev/null
+++ b/chunks/txt/b460af9dd5ded7b3121d402a0c96011368c92574fff8c0386341c904a9b0a49b.txt
@@ -0,0 +1,140 @@
+PDF / JSON
+
+X
+
+X
+
+PDF / JSON
+
+X
+
+X
+
+PDF / JSON
+
+PDF / JSON
+
+X
+
+X
+
+PDF / JSON
+
+PDF / JSON
+
+Both
+
+X
+
+X
+
+X
+
+PDF / JSON
+
+© 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] *
+
+Report Type
+
+URAR
+
+Update
+Report
+
+Completion
+Report
+
+Format
+Type
+
+PDF / JSON
+
+directional, address unit designators and address
+unit value.
+
+A value that specifies a further level of detail for a
+street address. If there is a designator, it will return
+as “Unit.”
+
+Both
+
+X
+
+X
+
+X
+
+Address Unit Designator
+Type
+
+addressUnitDesignat
+orType
+
+{Part of Property Address;
+does not appear as discrete
+data point on PDF}
+
+Address Unit Identifier
+
+addressUnitIdentifier
+
+{Part of Property Address;
+does not appear as discrete
+data point on PDF}
+
+Property Affected
+
+propertyAffected
+
+Comparable Number
+
+comparableNumber
+
+{Appears as part of the
+Property Affected; does not
+appear as discrete data
+point on PDF}
+
+Property Valuation
+Method
+
+propertyValuationMe
+thodType
+
+Report Date/Time
+
+reportDateTime
+
+Report Label/Value
+
+reportLabel
+
+The identifier value associated with the Secondary
+Address Unit Designator. Example: 123, C, B1C, etc.
+
+Both
+
+X
+
+X
+
+Indicates if the property is affected by the finding,
+and, if so, whether the property is the subject or one
+of the comparable.
+
+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).
diff --git a/chunks/txt/b4707138624fb10c38f169e782f4866201a83de30b0b6383d5787710c9ee42cc.txt b/chunks/txt/b4707138624fb10c38f169e782f4866201a83de30b0b6383d5787710c9ee42cc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d1ff2f00aa5fa4ee910482ca2d3f7f418a1a33c4
--- /dev/null
+++ b/chunks/txt/b4707138624fb10c38f169e782f4866201a83de30b0b6383d5787710c9ee42cc.txt
@@ -0,0 +1,36 @@
+Appendix B-1: URAR Implementation Guide v1.3
+
+05 Disaster Mitigation
+
+Page 141
+
+The Disaster Mitigation section provides information about disaster mitigation features that exist on the property. This section provides
+space for additional commentary and exhibits.
+
+The Disaster Mitigation section displays when DisasterMitigationFeatureType (UID: 3700.0002, FID: 5.000) is a value other than ‘None’. If
+DisasterMitigationFeatureType = “none”, this section does not display. If there are multiple disaster mitigation features, display as stacked on
+separate lines.
+
+Disaster Mitigation Commentary
+
+The Disaster Mitigation Commentary subsection must display when the Disaster Mitigation section is included in the report. Any
+commentary must use ValuationCommentText (UID: 3700.0004, FID: 5.001) and ValuationAnalysisCategoryType (UID: 3700.0005, FID: 5.001)
+= “DisasterMitigation”.
+
+<VALUATION_COMMENTARY>
+
+<ValuationAnalysisCategoryType>DisasterMitigation</ValuationAnalysisCategoryType>
+<ValuationCommentText>Additional commentary may be added here.</ValuationCommentText>
+
+</VALUATION_COMMENTARY>
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Disaster Mitigation Exhibits
+
+The Disaster Mitigation Exhibits subsection displays only when images are provided. All text must display above the image in bold font.
+
+• Any images included must be delivered using ImageCategoryType (UID: 1400.0638, FID: 5.002.1) = “DisasterMitigationExhibit”.
+• An image caption should be included using ImageCaptionCommentDescription (UID: 1400.0640, FID: 5.002.2).
+
+Reference Key Concept - Image Data for detailed guidance on the various ways images are handled in the URAR.
diff --git a/chunks/txt/b4890a3ea806ab2268cf13dc571ea2585ea2f2b169418274224abb4596feafb6.txt b/chunks/txt/b4890a3ea806ab2268cf13dc571ea2585ea2f2b169418274224abb4596feafb6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..17844d8d53051db921e88693cb45214cdfb676fd
--- /dev/null
+++ b/chunks/txt/b4890a3ea806ab2268cf13dc571ea2585ea2f2b169418274224abb4596feafb6.txt
@@ -0,0 +1,157 @@
+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:
+
+19
+
+Enumerated
+
+Allowable Values PDF Display
+WaterView Wtr
+PastoralView Pstrl
+WoodsView Woods
+ParkView Prk
+GolfCourseView Glfvw
+CityViewSkylineView CtySky
+MountainView Mtn
+ResidentialView Res
+CityStreetView CtyStr
+IndustrialView Ind
+PowerLines PwrLn
+LimitedSight LtdSght
+Other *
+
+*See field e-7 directly below.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+R
+
+R
+
+R
+
+At least one but no more than two values are
+required.
+
+R
+
+R
+
+R
+
+Form FNM 1004 FRE 70
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 61 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
+
+318
+
+2
+
+e-7
+
+SALES
+COMPARISON
+APPROACH
+
+View
+
+(View Type Other
+Description)
+
+GSE View Type
+Other Description
+
+The type of view associated with the
+property if other is selected.
+
+319
+
+320
+
+321
+
+2
+
+2
+
+2
+
+65
+
+66
+
+67
+
+SALES
+COMPARISON
+APPROACH
+
+View Adjustment
+
+Sale Price
+Adjustment Amount
+
+SALES
+COMPARISON
+APPROACH
+
+Design (Style)
+
+Sale Price
+Adjustment
+Description
+
+SALES
+COMPARISON
+APPROACH
diff --git a/chunks/txt/b4a35eb90c3722e92896c3b1dd8fee5b3e5345f2827c05a81553bd8df69bc53b.txt b/chunks/txt/b4a35eb90c3722e92896c3b1dd8fee5b3e5345f2827c05a81553bd8df69bc53b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..936253aed45b80b65976309de6c44f9f9eb35ca0
--- /dev/null
+++ b/chunks/txt/b4a35eb90c3722e92896c3b1dd8fee5b3e5345f2827c05a81553bd8df69bc53b.txt
@@ -0,0 +1,141 @@
+Uniform Appraisal Dataset (UAD) Appraisal-Level Public Use File (PUF) Version 2.1 Data Dictionary
+
+February 4, 2025
+
+Field Name
+
+Short Description
+
+Definition
+
+Format
+
+Allowable
+Values
+
+Disclosure
+Avoidance
+Method
+
+Appraisal Form
+Section
+
+Notes
+
+record_id
+
+Unique Appraisal ID
+
+year
+
+Appraisal Year
+
+weight
+
+Sample Weight
+
+state_fips_2010
+
+2010 Census State FIPS
+Code
+
+A unique identification value
+for each appraisal record. FHFA
+created this data field. It has
+no relationship to any unique
+identification data fields in the
+original UAD appraisal records.
+
+The year of the appraisal report
+effective date. This data field is
+used to stratify the sample.
+
+The sampling weight for the
+appraisal record, based on
+stratification by year and
+simple random sampling within
+a year. Currently, the weight is
+the same value for all records.
+
+2010 Census State Federal
+Information Processing System
+(FIPS) Code (e.g., 02, 15)
+
+Character
+
+Derived Field
+
+Numeric
+
+2013, 2014, etc.
+
+Derived Field
+
+Numeric
+
+20
+
+Derived Field
+
+Character
+
+Characters 1-2:
+State
+
+county_fips_2010
+
+2010 Census County FIPS
+Code
+
+2010 Census County FIPS Code
+(e.g., 01001, 13005)
+
+Character
+
+Characters 1-2:
+State
+Characters 3-5:
+County
+
+County is
+suppressed when
+fewer than 11
+appraisals
+records exist in
+
+Federal Housing Finance Agency
+
+Derived Field
+
+Derived Field
+
+A missing county
+number means either
+data suppression or
+FHFA did not have
+sufficient address
+
+1
+
+Appraisal Form
+Section
+
+Notes
+
+UAD PUF Version 2.1 Data Dictionary
+
+Field Name
+
+Short Description
+
+Definition
+
+Format
+
+tract_fips_2010
+
+2010 Census Tract
+
+The 2010 Census Tract for the
+subject property for appraisals
+conducted from 2013–2021.
diff --git a/chunks/txt/b4a6faeff3297aa9b21e326cbabb715e31cb1f02a49852b0240021972a17369b.txt b/chunks/txt/b4a6faeff3297aa9b21e326cbabb715e31cb1f02a49852b0240021972a17369b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a8f715e113833df4492dc70fa14446802372ebbc
--- /dev/null
+++ b/chunks/txt/b4a6faeff3297aa9b21e326cbabb715e31cb1f02a49852b0240021972a17369b.txt
@@ -0,0 +1,8 @@
+---
+source_url: "https://singlefamily.fanniemae.com/integrated-vendor-list"
+date_accessed: "2026-01-27T17:46:10.727Z"
+---
+
+[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/b4b15ef89034515046d37cbb9553c428f9383fd677b36e4876c7a60d3feaa247.txt b/chunks/txt/b4b15ef89034515046d37cbb9553c428f9383fd677b36e4876c7a60d3feaa247.txt
new file mode 100644
index 0000000000000000000000000000000000000000..aaf86cf01c408b08d5729d73a6ac9efc13ec74ce
--- /dev/null
+++ b/chunks/txt/b4b15ef89034515046d37cbb9553c428f9383fd677b36e4876c7a60d3feaa247.txt
@@ -0,0 +1,76 @@
+Market
+
+Market Area Boundary Main Road to the North, East Main Road to the East, West Main Road to the West, and Southern Highway to the
+South.
+
+Search Criteria Description Detached, 1 story, manufactured, modular, and site built dwellings with no basements located within Market
+Boundaries and sold from 6/1/21 - 3/1/22.
+
+Search Result Metrics
+
+Active Listings
+
+Median Days on Market
+Lowest List Price
+Median List Price
+Highest List Price
+
+Pending Sales
+
+15
+120
+$89,000
+$265,000
+$400,000
+1
+
+Sales in Past 24 Months
+
+Lowest Sale Price
+Median Sale Price
+Highest Sale Price
+
+Distressed Market Competition
+Price Trend Source
+
+27
+$159,000
+$250,000
+$375,000
+No
+Local MLS
+Smokey Bear Gazette
+
+Price Trend Analysis Commentary Market data reflects the manufactured and modular home market in the subject’s area. The data
+indicates the market is stable to slightly increasing with sales activity of 1 to 2 sales per month which is typical for this rural area. The Smokey
+Bear Gazette is a local print media that reports non-MLS home sales and listings. 2 active listings and 3 sales were reported for the 9 months
+prior to the effective date of the appraisal and are included in the data reported above.
+
+Housing Trends
+
+Demand/Supply
+
+In Balance
+
+Marketing Time
+
+3 to 6 Months
+
+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)
+Transfer Terms
+Land Sale
diff --git a/chunks/txt/b4b4780437e073566b6501ee0d4d1c4aadefaa2a4916c7a0bb1155eef3ccd12c.txt b/chunks/txt/b4b4780437e073566b6501ee0d4d1c4aadefaa2a4916c7a0bb1155eef3ccd12c.txt
new file mode 100644
index 0000000000000000000000000000000000000000..eecc6de22149187485159829f0e35e763603d6b1
--- /dev/null
+++ b/chunks/txt/b4b4780437e073566b6501ee0d4d1c4aadefaa2a4916c7a0bb1155eef3ccd12c.txt
@@ -0,0 +1,50 @@
+•
+
+•
+
+•
+
+•
+
+If the transaction involves property data collection, the lender is responsible for
+
+•
+•
+•
+•
+
+compliance with the Property Data Collector Independence Requirements;
+selection of the property data collector (see SB4-1.4-11, Value Acceptance + Property Data);
+successful submission of the data to Fannie Mae's Property Data API prior to loan delivery; and
+continually evaluating the property data collector's work through the quality control process (see Selling Guide D1-3-04,
+Lender Post-Closing Quality Control Review of Appraisers, Appraisals, Property Data Collectors, and Property Data
+Collection).
+
+Confirmation and Documentation of the Current Owner
+
+Publicly available information helps to identify property flipping schemes, which typically involve various combinations of
+transactions and result in a sale of recently acquired property for significant profit based on a misleading or fraudulent appraisal
+with an inflated property value. The lender must confirm that the property seller in a purchase transaction (or the borrower in a
+refinance transaction) is the owner of the subject property.
+
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 46 of 166
+
+UAD 3.6 Policy
+
+Lenders must confirm and document in the loan file that the property seller in a purchase money transaction or the borrower in a
+refinance transaction is the owner of the subject property when an appraisal is required. Examples of acceptable documentation
+include, but are not limited to:
+
+•
+•
+•
+•
+•
+
+a copy of a recorded deed, mortgage, or deed of trust,
+a recent property tax bill or tax assessment notice,
+a title report,
+a title commitment or binder, or
+a property sale history report.
diff --git a/chunks/txt/b4b599698a50c60497d40cda2e9b3879bef8fab22683d2e14e88e518d43f9481.txt b/chunks/txt/b4b599698a50c60497d40cda2e9b3879bef8fab22683d2e14e88e518d43f9481.txt
new file mode 100644
index 0000000000000000000000000000000000000000..769f9c66ab649359470fd694514802ac7016bd00
--- /dev/null
+++ b/chunks/txt/b4b599698a50c60497d40cda2e9b3879bef8fab22683d2e14e88e518d43f9481.txt
@@ -0,0 +1,74 @@
+Reporting Format:
+Occupant – Checkbox designated with an ‘x’
+
+Special Assessments $
+The appraiser should enter any special
+assessment applicable to the subject
+property. It must be expressed as an annual
+or annualized amount. If there is more than
+one special assessment, enter the annualized
+sum of all special assessments. If there are
+no special assessments applicable to the
+subject property, enter the numeral zero (0).
+Additional information about special
+assessments may be provided elsewhere in
+the appraisal report.
+
+Reporting Format:
+Special Assessments $ – Currency, whole
+dollars only
+
+PUD (Indicator)
+The appraiser must indicate if the property is
+located in a Planned Unit Development
+(PUD). If the checkbox is indicated, the
+appraiser must select ‘Yes’ or ‘No’ in response
+to the question, “Is the developer/builder in
+control of the Homeowners’ Association
+(HOA)?” located in the PUD Information
+section.
+
+Reporting Format:
+PUD (Indicator) – Checkbox designated with
+an ‘x’
+
+Page 10 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
+
+HOA $, Per Year, Per Month
+The appraiser must enter all applicable
+homeowners’ association (HOA) fees
+associated with the subject property.
+Additionally, the appraiser must select the
+appropriate checkbox to indicate if the amount
+is payable per year or per month. Only one
+selection is permitted. If the amount is paid on
+a different frequency (e.g., bi-monthly or semi-
+annually), it must be normalized as either per
+year or per month for reporting.
diff --git a/chunks/txt/b4e20fd9d9135d2b5c30cecf80dc10828a2d70614c189b42e7d50224ef96ddb3.txt b/chunks/txt/b4e20fd9d9135d2b5c30cecf80dc10828a2d70614c189b42e7d50224ef96ddb3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d371c67ebe53722af6494828f4613a7788c6afbc
--- /dev/null
+++ b/chunks/txt/b4e20fd9d9135d2b5c30cecf80dc10828a2d70614c189b42e7d50224ef96ddb3.txt
@@ -0,0 +1,86 @@
+Cooperative
+
+Condop
+
+Legal Description
+
+A project that has condominium ownership rights.
+
+A project that has cooperative ownership rights.
+
+A project that contains units with both cooperative and condominium ownership rights.
+Example: A mixed-use condo building with commercial spaces that are individual condo units, and a residential portion
+that is a cooperative consisting of individual residential co-op units (all of the residential co-op units together make up one
+condominium unit).
+
+Report
+Field ID
+
+01.004
+
+See
+iGuide
+
+Subject Property: Legal Description
+
+Report Label
+
+When to Include
+
+Legal
+Description
+
+Always required
+
+Allowable
+Answers / Format
+
+Free-form or
+image
+
+Definition / Additional Guidance
+
+Description of all parcels referenced in the original appraisal.
+
+Provide one Legal Description for the entire property, including all parcels. It
+may be provided as text (01.004) or as an image, such as in cases where the
+Legal Description is lengthy. A caption may be provided to further identify the
+image.
+
+Appendix F-2: Appraisal Update Report Reference Guide
+
+Page 10 of 28
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+02 Original Appraisal
+
+02 Original Appraisal
+
+The Original Appraisal section, containing information from the original appraisal, always displays.
+
+Original Appraisal
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+02.001 Effective Date of
+Appraisal
+
+Always required
+
+mm/dd/yyyy
+
+In the original appraisal, the date to which the appraiser’s analyses, opinions,
+and conclusions applied; also referred to as date of value.
diff --git a/chunks/txt/b4f480eb49277731d1e77ffab98212ab46a263435c77bd8acccdc4653e6abf5a.txt b/chunks/txt/b4f480eb49277731d1e77ffab98212ab46a263435c77bd8acccdc4653e6abf5a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9bce1fb780aeaaf2899489a437908844bf223ddd
--- /dev/null
+++ b/chunks/txt/b4f480eb49277731d1e77ffab98212ab46a263435c77bd8acccdc4653e6abf5a.txt
@@ -0,0 +1,45 @@
+12.3 Reg §1026.38(j)(2)(iv) pp. 80125, 80022.
+
+12.4 Reg §1026.38(j)(2)(v) pp. 80125, 80357, 80022; Sample forms: H–25(C) p. 80186; H-25(D) pp. 80186-7.
+
+12.5 Reg §1026.38(j)(2)(v) pp. 80125, 80357, 80022.
+
+12.6 Reg §1026.38(j)(2)(vi) pp. 80125, 80357-8, 80022-23.
+
+12.7 Reg §1026.38(j)(2)(vii) pp. 80125, 80023.
+
+12.8 Reg §1026.38(j)(2)(viii) pp. 80125, 80023.
+
+12.9 Reg §1026.38(j)(2)(ix) pp. 80125, 80023.
+
+12.10 Reg §1026.38(j)(2)(x) pp. 80125, 80023.
+
+12.11 Reg §1026.38(j)(2)(xi) pp. 80125, 80358, 80023.
+
+Appendix E: UCD Implementation Guide
+
+Page 181 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+13.0 Calculation (Borrower’s Transaction)
+
+13.0 CALCULATION (BORROWER’S TRANSACTION)
+
+As shown in the following figure, the CALCULATION section of the BORROWER’S TRANSACTION table provides
+the result of:
+
+•
+
+Subtracting the sum of all line items disclosed as the total for 13.2.1 L. Paid Already by or on Behalf of
+the Borrower at Closing from
+
+• The sum of all line items disclosed as the total for section 13.1.1 K. Due from Borrower at Closing.
+
+The resulting disclosed amount is due from the borrower(s) if positive, and due to the borrower(s) if negative.
+
+Summaries of Transactions
+
+BORROWER’S TRANSACTION (11.0 – 13.0)
diff --git a/chunks/txt/b5110d3f0ec0cb45c040254a78281dcc23a885551874e8fc523130e420410774.txt b/chunks/txt/b5110d3f0ec0cb45c040254a78281dcc23a885551874e8fc523130e420410774.txt
new file mode 100644
index 0000000000000000000000000000000000000000..826a7cc0b80607c514c3411fe7ae0cbecd297230
--- /dev/null
+++ b/chunks/txt/b5110d3f0ec0cb45c040254a78281dcc23a885551874e8fc523130e420410774.txt
@@ -0,0 +1,40 @@
+Source
+
+MISMO
+
+Date
+
+2010-05
+
+Fannie Mae actively participated in the MISMO Workgroups that defined the MISMO Version 3.0
+standards. The MISMO Workgroup’s membership included technical and business representation from
+key mortgage industry lenders and vendors. The use of industry-standard documents and data is
+recognized as a critical component for industry automation, streamlining, and interoperability.
+
+The MISMO Version 3.0 Reference Model Identifier 3.0.0.263.12 continues to be the basis for the ULDD.
+As MISMO continues to publish newer versions of the Reference Model, Fannie Mae will work with Freddie
+Mac to evaluate the Model to determine whether to implement the new version. With the release of ULDD
+Phase 3, some data points are leveraged from MISMO Reference Model v3.4 and are included as extensions
+to the MISMO Reference Model v3.0. See section 5.12 Supporting Extensions in MISMO Version 3.0
+Reference Model for further details.
+
+4. Technical Overview
+The Implementation Guide is designed to be used in combination with the following documents that work
+together to form the basis for creating a Fannie Mae loan delivery XML file. Refer to the following appendices
+and tools (which are provided as separate documents). Descriptions of each appendix are provided below:
+
+ Appendix A: Fannie Mae XML Data Requirements
+
+ Appendix B: Fannie Mae Usage Scenarios
+
+ Appendix C: Fannie Mae XML Samples
+
+ Appendix D: Fannie Mae XML Data Reference
+
+ Appendix E: MISMO V. 3.0 Reference Model and ULDD Extension schema (.zip)
+
+
+
+ ULDD Phase 3 Integration Test Cases
+
+Table 2 - MISMO Reference Model and LDD URL
diff --git a/chunks/txt/b513f2b7ff9978e1620c5eeb98fb7e66d8ebd14f97ea33df15eacf59c7f772b9.txt b/chunks/txt/b513f2b7ff9978e1620c5eeb98fb7e66d8ebd14f97ea33df15eacf59c7f772b9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..af3d1a8f514708ffbcbe9c7fbdc4efa03d55627d
--- /dev/null
+++ b/chunks/txt/b513f2b7ff9978e1620c5eeb98fb7e66d8ebd14f97ea33df15eacf59c7f772b9.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/b518f96e76840bd092c2c04eb164bcf610e83ee4d5280cc286be51fcf73f1135.txt b/chunks/txt/b518f96e76840bd092c2c04eb164bcf610e83ee4d5280cc286be51fcf73f1135.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f3b05511e4c552cce43cd4ab2f15aaf6ce3790fe
--- /dev/null
+++ b/chunks/txt/b518f96e76840bd092c2c04eb164bcf610e83ee4d5280cc286be51fcf73f1135.txt
@@ -0,0 +1,5 @@
+Dwelling Exterior Exhibits ......................................................................................................................................................................................................... 166
+
+Dwelling Exterior – Arcrole Relationships ................................................................................................................................................................................ 167
+
+09 Manufactured Home ....................................................................................................................................................................................................................... 169
diff --git a/chunks/txt/b525d5dd85fa0c9eb8d0c5e30c634aea9aa92287b02920e17bae741a01caea8d.txt b/chunks/txt/b525d5dd85fa0c9eb8d0c5e30c634aea9aa92287b02920e17bae741a01caea8d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d92e93f562a2504d8dba7b209c7c74a3e67215cd
--- /dev/null
+++ b/chunks/txt/b525d5dd85fa0c9eb8d0c5e30c634aea9aa92287b02920e17bae741a01caea8d.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/research"
+date_accessed: "2026-01-27T17:47:56.958Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/b5262c79bd88e0bdf7749c9fc39fac9154100f7941dd5482f0416f426522482a.txt b/chunks/txt/b5262c79bd88e0bdf7749c9fc39fac9154100f7941dd5482f0416f426522482a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..62c6d72b518341480c32b232a151a3cb8e6b12cb
--- /dev/null
+++ b/chunks/txt/b5262c79bd88e0bdf7749c9fc39fac9154100f7941dd5482f0416f426522482a.txt
@@ -0,0 +1,129 @@
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='0']/S
+ALE_PRICE_ADJUSTMENT[@_Type='Other']
+[3]/@_Description
+
+Data Point Field
+Length
+
+Format
+
+20
+
+String
+
+288
+
+2
+
+45
+
+SALES
+COMPARISON
+APPROACH
+
+Address (Line 1)
+
+Property Street
+Address
+
+The unstructured (Unparsed) street
+address of the subject property (e.g.,
+123 Main Street).
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/LOCATION/@PropertyStreetAddress
+
+35
+
+String
+
+Should be populated if field 2-43 (Sale Price
+Adjustment Type Other Description) is
+populated.
+
+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)
+• Address unit designator and number (if applicable)
+
+Implementation Notes
+
+Conditionality Description
+
+Data Field
+Conditionality 1004/70
+
+Data Field
+Conditionality 1004
+Hybrid/70H
+
+Data Field
+Conditionality 1004
+Desktop/70D
+
+289
+
+290
+
+291
+
+2
+
+2
+
+2
+
+46a
+
+46b
+
+46c
+
+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.
+
+Property State
+
+The state in which the subject
+property is located.
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/LOCATION/@PropertyCity
+
+/VALUATION_RESPONSE/VALUATION_M
+ETHODS/SALES_COMPARISON/COMPARA
+BLE_SALE[@PropertySequenceIdentifier='1..N'
+]/LOCATION/@PropertyState
diff --git a/chunks/txt/b52a32a8e34b7deea68c5d87086595852c38c20842bc48b7510562c9841e4e5b.txt b/chunks/txt/b52a32a8e34b7deea68c5d87086595852c38c20842bc48b7510562c9841e4e5b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c7f67c93717ad6f9ecc068c5b670b03207aab261
--- /dev/null
+++ b/chunks/txt/b52a32a8e34b7deea68c5d87086595852c38c20842bc48b7510562c9841e4e5b.txt
@@ -0,0 +1,62 @@
+<M ESSA GE>
+<DEA L_ SETS>
+ <DEA L_ SET>
+ <DEA LS>
+ <DEA L>
+ :
+ :
+ <PARTIES>
+ <PARTY
+ :
+ :
+ <INDIVIDUAL>
+ <NAME>
+ <FirstName>John</FirstName>
+ <LastName>Homeowner</LastName>
+ </NAME>
+ </INDIVIDUAL>
+ <ROLES>
+ <ROLE>
+ <BORROWER>
+ <CURRENT_INCOME>
+ <CURRENT_INCOME_ITEMS>
+ <!--Income from Current Employer 1-->
+ <CURRENT_INCOME_ITEM SequenceNumber="1" xlink:label=" CURRENT_INCOME_ITEM_1">
+ <CURRENT_INCOME_ITEM_DETAIL>
+ <IncomeType>Base</IncomeType>
+ <CurrentIncomeMonthlyTotalAmount>1000</CurrentIncomeMonthlyTotalAmount>
+ <EmploymentIncomeIndicator>true</EmploymentIncomeIndicator>
+ </CURRENT_INCOME_ITEM_DETAIL>
+ </CURRENT_INCOME_ITEM>
+
+<CURRENT_INCOME_ITEM SequenceNumber="2" xlink:label=" CURRENT_INCOME_ITEM_2">
+
+<CURRENT_INCOME_ITEM_DETAIL>
+ <IncomeType>Overtime</IncomeType>
+ <CurrentIncomeMonthlyTotalAmount>400</CurrentIncomeMonthlyTotalAmount>
+ <EmploymentIncomeIndicator>true</EmploymentIncomeIndicator>
+ </CURRENT_INCOME_ITEM_DETAIL>
+ </CURRENT_INCOME_ITEM>
+
+Data Relationships Using Xlink and MISMO Arcroles
+
+Page 27 of 29
+
+Version 1.1
+
+Appendix A: XML Code Sample FOR Xlink MISMO Arcrole Examples
+
+<!--Income from Current Employer 2-->
+ <CURRENT_INCOME_ITEM SequenceNumber="3" xlink:label=" CURRENT_INCOME_ITEM_3">
+ <CURRENT_INCOME_ITEM_DETAIL>
+ <IncomeType>Base</IncomeType>
+ <CurrentIncomeMonthlyTotalAmount>950</CurrentIncomeMonthlyTotalAmount>
+ <EmploymentIncomeIndicator>true</EmploymentIncomeIndicator>
+ </CURRENT_INCOME_ITEM_DETAIL>
+ </CURRENT_INCOME_ITEM>
+ <EMPLOYERS>
+ <EMPLOYER SequenceNumber="1" xlink:label="EMPLOYER_1">
+ <LEGAL_ENTITY>
+ <LEGAL_ENTITY_DETAIL>
+
+<FullName>ABC Corporation</FullName>
diff --git a/chunks/txt/b52b3bbf0172bc3c8e581b98269c548d6418fae314f710a21ff8b577c3c10791.txt b/chunks/txt/b52b3bbf0172bc3c8e581b98269c548d6418fae314f710a21ff8b577c3c10791.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f4f39b0f11b223f0ca54fbf02bf4c86116e93bea
--- /dev/null
+++ b/chunks/txt/b52b3bbf0172bc3c8e581b98269c548d6418fae314f710a21ff8b577c3c10791.txt
@@ -0,0 +1,56 @@
+o
+
+Sanitary Sewer
+▪ When UtilityType (UID: 1500.0104, FID: 4.081) = “SanitarySewer”:
+
+• SewerSystemType (UID: 1500.0166, FID: 4.084), displays the enumerated value
+
+o
+
+If there are multiple sewer system types , separate by a “|”
+
+• When UtilitySharedIndicator (UID: 1500.0103, FID: 4.084) = “true”, display SewerSystemType followed by “(Shared)”, in
+
+same cell.
+
+• When UtilitySharedIndicator (UID: 1500.0103, FID: 4.084) = “false”, do not display
+
+• AND GovernmentAgencyAppraisalType (UID: 1000.0121, FID: 2.008) = "FHA" AND
+PublicSewerUtilityAvailableNotConnectedIndicator (UID: 1500.0168, FID: 4.084)
+
+o When “true”, display “Public sewer available not connected”
+o When “false”, display “Public sewer not available”
+
+o Water
+
+▪ When UtilityType (UID: 1500.0104, FID: 4.087) = “Water”:
+
+• WaterSourceType (UID: 1500.0111, FID: 4.090), displays the enumerated value
+
+o
+
+If there are multiple water sources , separate by a “|”
+
+• When UtilitySharedIndicator (UID: 1500.0103, FID: 4.090) = “true”, display WaterSourceType followed by “(Shared)”, in
+
+same cell.
+
+• UtilitySharedIndicator (UID: 1500.0103, FID: 4.090) = “false”, do not display
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 132
+
+•
+
+If GovernmentAgencyAppraisalIndicator (UID: 1000.0122, FID: Not on report) = "true" AND
+
+o WaterSourceType (UID: 1500.0111, FID: 4.090) = “well”
+
+▪ WaterWellType (UID: 1500.0110, FID: 4.090) may be provided
+
+• Example: Well - Drilled (Shared)
+
+▪ UtilityMeetsDistanceRequirementIndicator (UID: 1500.0113, FID: 4.090)
+
+• When “true”, display "Well meets distance requirements"
diff --git a/chunks/txt/b53c74fcd0fb26278b3de0ec044abbf958123b42672dd0a151bf062dda9593ac.txt b/chunks/txt/b53c74fcd0fb26278b3de0ec044abbf958123b42672dd0a151bf062dda9593ac.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ea687714d7d8355cd13dd8e33ddf237c7d744522
--- /dev/null
+++ b/chunks/txt/b53c74fcd0fb26278b3de0ec044abbf958123b42672dd0a151bf062dda9593ac.txt
@@ -0,0 +1,199 @@
+52
+53
+
+54
+
+67
+
+69
+
+24
+
+23
+
+71
+73
+
+25
+26
+
+$ 15
+
+SUBJECT
+
+e-14; e-15; e-16
+
+e-14; e-15; e-16
+
+e-29; e-30; e-31
+
+DESCRIPTION
+
+DESCRIPTION
+59
+e-26; e-27; e-28
+
+FEATURE
+Address and 11
+Unit # 12a12b12c12d
+Project Name and 13
+Phase 14
+Proximity to Subject
+Sale Price
+Sale Price/Gross Liv. Area $ 16 sq. ft. $ 56 sq. ft.
+Data Source(s)
+Verification Source(s)
+VALUE ADJUSTMENTS
+Sale or Financing
+Concessions
+Date of Sale/Time
+Location
+Leasehold/Fee Simple
+HOA Mo. Assessment
+Common Elements
+And Rec. Facilities
+Floor Location
+View
+Design (Style)
+Quality of Construction
+Actual Age
+Condition
+Above Grade
+Room Count
+Gross Living Area
+Basement & Finished
+Rooms Below Grade
+Functional Utility
+Heating/Cooling
+Energy Efficient Items
+Garage/Carport
+Porch/Patio/Deck
+44
+46
+48
+Net Adjustment (Total)
+Adjusted Sale Price
+of Comparables
+Summary of Sales Comparison Approach 118
+
+106
+108
+110
+112
+ + -
+115
+114
+
+Total Bdrms. Baths Total Bdrms. Baths
+
+Net Adj. 116a %
+Gross Adj. 116b %
+
+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
+
+36 sq. ft.
+
+92 sq. ft.
+
+43
+45
+47
+49
+
+e-5; e-6; e-7
+
+e-5; e-6; e-7
+
+e-17; 83
+
+e-17; 31
+
+100
+
+104
+
+102
+
+90
+
+32
+
+88
+
+40
+
+41
+
+39
+
+30
+
+27
+
+29
+
+33
+
+85
+
+81
+
+98
+
+89
+
+79
+
+35
+
+34
+
+42
+
+75
+
+COMPARABLE SALE # 1
+50
+51a51b51c51d
+
+$ 55
+
+e-25; e-2
+
+58
+
+COMPARABLE SALE # 2
+50
+51a51b51c51d
+
+COMPARABLE SALE # 3
+50
+51a51b51c51d
+
+52
+53
+
+54
+
+52
+53
+
+54
+
+$ 55
+
+$ 55
+
+$ 56 sq. ft.
+
+$ 56 sq. ft.
+
+e-25; e-2
+
+58
+
+e-25; e-2
diff --git a/chunks/txt/b548376eeceb52235e9292b8b264bbcb107c6972422cc356bd1450cdeeb84e3a.txt b/chunks/txt/b548376eeceb52235e9292b8b264bbcb107c6972422cc356bd1450cdeeb84e3a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4e129caca9d9f17fff17b605252b25e025d0f6a1
--- /dev/null
+++ b/chunks/txt/b548376eeceb52235e9292b8b264bbcb107c6972422cc356bd1450cdeeb84e3a.txt
@@ -0,0 +1,51 @@
+XML allows the establishment of relationships between containers using a technical
+syntax (or language) called XML Linking Language (XLink) as defined by the World
+Wide Web Consortium (W3C®).10 XLink relationships are expressed using a set of
+attributes that identify two end points and the kind of relationship they have to each other
+(from and to ResourceEndPoints and ArcLink). The relationships are captured in the
+RELATIONSHIPS container.
+
+10 http://www.w3.org/TR/xlink/
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 63 of 76
+
+Section VI. V3.0 Reference Model Features Not Used in ULDDS
+
+Figure VI-1. Questions Answered by the Arc Roles Worksheet.
+
+
+
+Is there a way to establish a relationship between two data points in the
+same container?
+
+
+
+Is there a way to establish a relationship between two different containers?
+
+The “Arc Roles” tab of the LDD workbook provides the descriptions between containers
+(Arc Roles).
+
+Example VI-5. Arc Role and Definition.
+
+Attribute: PartyIsSellerOfProperty
+Definition: A relationship between a party of Role Seller and one of the Properties
+
+that will be used for collateral.
+
+Attribute: PartySharesAssetsWithParty
+Definition: A relationship between two parties of Role Borrower
+
+Notes: ULDDS Appendix A is not using Arc Roles.
+
+E. Deprecated Data Points and Containers
+
+The last two tabs of the LDD workbook, “Deprecated Data Points” and “Deprecated
+containers,” provide lists of data points and containers that have been retired from Version
+3.0 of the Reference Model. These two tabs are useful to business partners who have used
+previous versions of the MISMO standard and are more familiar with those data point or
+container names. The tabs provide a record of whether a data point or container used in an
+earlier version has been renamed for use in the Version 3.0 of the Reference Model or
+been excluded altogether.
diff --git a/chunks/txt/b550c0f5b9b5b935a5340ba710f1a9b07a68bf9672a72bad7c5135a3e4323031.txt b/chunks/txt/b550c0f5b9b5b935a5340ba710f1a9b07a68bf9672a72bad7c5135a3e4323031.txt
new file mode 100644
index 0000000000000000000000000000000000000000..199878b503a4f67b58848a99a4f7338400ab78ae
--- /dev/null
+++ b/chunks/txt/b550c0f5b9b5b935a5340ba710f1a9b07a68bf9672a72bad7c5135a3e4323031.txt
@@ -0,0 +1,90 @@
+•
+
+Appendix F-1: URAR Reference Guide
+
+Page 151 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+12 Outbuilding
+
+Outbuildings that are Considered Real Property
+
+If the outbuilding is real property (Outbuilding Considered Real Property (12.002) is Yes), an expanded set of
+information for the Outbuilding section displays.
+
+The “When to Include” column in this chapter only references outbuildings that are considered real property.
+
+General Information
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+Definition / Additional Guidance
+
+12.002 Considered Real
+Property
+
+Always required
+
+Yes
+
+Outbuilding Considered Real Property: Indicates whether the outbuilding is
+considered real property (e.g., permanently affixed to the land).
+
+Outbuilding: General Information
+
+12.003 Units in
+
+Always required
+
+Number
+
+Structure
+
+Units in Structure: The number of accessory dwelling units in the outbuilding.
+•
+•
+
+If there are no ADUs in the Outbuilding, enter 0.
+If there is an ADU in the outbuilding, provide the number of ADUs (1 or
+more). Examples include:
+
+o
+
+o
+
+ADU/Garage: A detached garage with a living unit above or
+attached by a common wall
+Standalone ADU
+
+Note: Additional information about the ADU including area is captured in the
+Unit Interior section for the ADU.
+
+12.004 Attached to
+Permanent
+Foundation
+
+Displays here if
+Outbuilding Type is
+Manufactured Home
+and Units in Structure
+is 0
+
+Yes | No
+
+Indicates whether the manufactured home is attached to a permanent
+foundation.
+
+Note: If the foundation area is readily accessible, a photo must be provided,
+which displays in Outbuilding Exhibits. A caption must be provided to identify
+the photo.
diff --git a/chunks/txt/b55b836fbc36eedb919249d2152a20edaf2bdca3e9fdd189d7acb4d821dd3fd4.txt b/chunks/txt/b55b836fbc36eedb919249d2152a20edaf2bdca3e9fdd189d7acb4d821dd3fd4.txt
new file mode 100644
index 0000000000000000000000000000000000000000..77b8f81311cca0e04223be40cff5c1a4289de61e
--- /dev/null
+++ b/chunks/txt/b55b836fbc36eedb919249d2152a20edaf2bdca3e9fdd189d7acb4d821dd3fd4.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/programs/duty-to-serve"
+date_accessed: "2026-01-27T17:54:20.505Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/b570c90c121557a74358a81831ee7dc381be51db7aff2c37455ef4c1540c3220.txt b/chunks/txt/b570c90c121557a74358a81831ee7dc381be51db7aff2c37455ef4c1540c3220.txt
new file mode 100644
index 0000000000000000000000000000000000000000..17f6654baf6fe141f2a6c7275dc758e91473e23d
--- /dev/null
+++ b/chunks/txt/b570c90c121557a74358a81831ee7dc381be51db7aff2c37455ef4c1540c3220.txt
@@ -0,0 +1,154 @@
+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.
+
+UAD Requirement – Refer to Appendix D Sales Comparison Approach Section
+Must conform to USPS (Pub 28).
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+UAD Requirement – Refer to Appendix D Sales Comparison Approach Section
+Must conform to USPS (Pub 28).
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+UAD Requirement – Refer to Appendix D Sales Comparison Approach Section
+Must conform to USPS (Pub 28).
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+UAD Requirement - Refer to Appendix D Subject Section
+
+This field should include the comparable property project name.
+
+String
+
+This field should include the subject project phase number. If none, enter 'None'.
+
+String
+
+Money
+
+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.
+
+Money
+
+PDF Display Format:
+In dollars, to two decimal places.
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+T
+
+R
+
+R
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+T
+
+R
+
+R
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+T
+
+R
+
+R
+
+R
+
+R
+
+R
+
+R
+
+T
+
+R
+
+R
+
+T
+
+Form FNM 1073 FRE 465
+Appendix B: GSE Appraisal Forms Mapping
+
+Page 112 of 211
+
+Document Version 1.4
+
+Implementation Notes
+
+Conditionality Description
diff --git a/chunks/txt/b57d74928343029b9aa9658a3e93b033f67d830a417a6ec33dbbe0b837b4c0f7.txt b/chunks/txt/b57d74928343029b9aa9658a3e93b033f67d830a417a6ec33dbbe0b837b4c0f7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5280e1c0ee31da98472f1e74fdf597e79b71fef0
--- /dev/null
+++ b/chunks/txt/b57d74928343029b9aa9658a3e93b033f67d830a417a6ec33dbbe0b837b4c0f7.txt
@@ -0,0 +1,61 @@
+Any additional information may be reported
+elsewhere in the appraisal report.
+
+Note, the UAD does not limit the number of
+different view factors associated with a
+property that may be reported in the appraisal
+report. If there are more than two view factors,
+an appraiser may choose “other” and then
+enter a text description of the multiple view
+factors to the extent that the description fits
+within the allowable space on the appraisal
+report form. Any additional information that
+does not fit in the allowable space may be
+reported elsewhere in the appraisal report.
+
+Reporting Format:
+View Rating – Appraiser must select one
+value from the specified list
+View Factors – Appraiser must select one or
+two factors from the specified list
+ Description of ‘Other’(if applicable) – Text
+The PDF creator will automatically insert a
+semicolon to separate the data values.
+
+Examples:
+B;Mtn;Wtr
+A;RRtracks [example of appraiser-entered
+‘Other’ description]
+
+Refer to the complete list of acceptable
+abbreviations provided at the end of this
+document in Exhibit 3: Requirements –
+Abbreviations Used in Data Standardization
+Text.
+
+Page 43 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.
+
+Quality of Construction
+The appraiser must select one quality rating
+from the list below for the subject property
+and each comparable property. The appraiser
+must indicate the quality rating that best
+describes the overall quality of the property.
+Only one selection is permitted. The quality
+rating for the subject property must describe
+the overall quality of the property as-of the
+effective date of the appraisal and the overall
+quality of each comparable property as-of the
+date of sale for the comparable properties on
+an absolute basis, not on a relative basis or
+how the properties relate to other properties in
+the neighborhood.
diff --git a/chunks/txt/b58c350223969013030195af6900ae4c9554599b6d4251c48b916f601bb078f8.txt b/chunks/txt/b58c350223969013030195af6900ae4c9554599b6d4251c48b916f601bb078f8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ba3ad1d1b38a9bbaccb0a53ed7b8c1dfecd2ccf9
--- /dev/null
+++ b/chunks/txt/b58c350223969013030195af6900ae4c9554599b6d4251c48b916f601bb078f8.txt
@@ -0,0 +1,7 @@
+Itemized List of Repairs ................................................................................................................................. 86
+
+New Observed Items for Repair ..................................................................................................................... 87
+
+Completion Status ......................................................................................................................................... 87
+
+Completion Report Commentary ................................................................................................................... 87
diff --git a/chunks/txt/b58c540a1e7d8bfac961ebf0a27539f2d28699384de41e771346797d356d98cf.txt b/chunks/txt/b58c540a1e7d8bfac961ebf0a27539f2d28699384de41e771346797d356d98cf.txt
new file mode 100644
index 0000000000000000000000000000000000000000..89980fce42f16fba17a225aa7c7efea73569185e
--- /dev/null
+++ b/chunks/txt/b58c540a1e7d8bfac961ebf0a27539f2d28699384de41e771346797d356d98cf.txt
@@ -0,0 +1,58 @@
+RELATIONSHIP
+
+@xlink:to
+
+2200.0068
+2200.0099
+
+SIGNATORY
+ROLE
+
+@xlink:label
+@xlink:label
+
+ROLE_n
+
+SIGNATORY_n
+ROLE_n
+
+Supervisory Appraiser
+
+Unique ID
+
+Parent Container
+
+MISMO Attribute Name
+
+Supported Attribute Enumerations
+
+2200.0121
+2200.0122
+2200.0123
+2200.0124
+2200.0110
+
+RELATIONSHIP
+RELATIONSHIP
+RELATIONSHIP
+SIGNATORY
+ROLE
+
+@xlink:arcrole
+@xlink:from
+@xlink:to
+@xlink:label
+@xlink:label
+
+urn:fdc:mismo.org:2009:residential/SIGNATORY_IsAssociatedWith_ROLE
+SIGNATORY_n
+ROLE_n
+SIGNATORY_n
+ROLE_n
+
+Every party that signs the report is represented in the data using an arcrole. The Appraiser and Supervisory Appraiser signatures displayed in Figure
+Arcrole - 2, represents a sample of the arcrole for signatories with a snapshot of the report.
+
+Arcrole - 2
+
+Page 51
diff --git a/chunks/txt/b58e4c2b673f30a97ef17ee0b3155913a99748405ab2e3bdaea60ba907c2d629.txt b/chunks/txt/b58e4c2b673f30a97ef17ee0b3155913a99748405ab2e3bdaea60ba907c2d629.txt
new file mode 100644
index 0000000000000000000000000000000000000000..7c934659a96f4d1f368abcc0b37e83afc4f03191
--- /dev/null
+++ b/chunks/txt/b58e4c2b673f30a97ef17ee0b3155913a99748405ab2e3bdaea60ba907c2d629.txt
@@ -0,0 +1,124 @@
+1–5 years
+
+Overall Update Status for
+Bathrooms
+
+Fully Updated
+
+Quality Comment
+A mix of restaurant
+grade and high-end
+residential appliances
+
+High-end residential
+fixtures and nice
+decorative finishes
+
+Condition Status
+Typical Wear and Tear
+
+Typical Wear and Tear
+
+Condition Comment
+Kitchen has been
+updated with new
+fixtures, flooring, and
+lighting.
+
+Bathroom has a new
+jacuzzi jetted tub
+and vanities, flooring,
+shower with subway
+tile, and upgraded
+shower head.
+
+Interior Features
+
+Feature
+Flooring
+
+Detail
+Carpet
+
+Hardwood
+
+Quality Comment
+Blended wool carpet, pad
+
+Condition Status
+Typical Wear and Tear
+
+Refinished hardwood
+flooring
+
+Typical Wear and Tear
+
+Condition Comment
+The flooring throughout the
+subject has been replaced
+over the last 2–5 years.
+
+Refinished approximately
+5 years ago.
+
+Walls and Ceiling
+
+8 Ft. | Flat
+
+Add comment if needed.
+
+Typical Wear and Tear
+
+Add comment if needed.
+
+Overall Update Status for
+Flooring
+
+Fully Updated
+
+Apparent Defects, Damages, Deficiencies (Unit Interior)
+
+None
+
+Unit Interior Commentary
+
+Additional commentary can be added here, if needed by Appraiser.
+
+Unit Interior Exhibits
+
+Level 1 - Kitchen
+
+Level 1 - Bath - Full
+
+Appraiser Reference ID 432981-12 Client Reference ID 39284M12Appraisal Version #2Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 7 of 18
+Page 7 of 18
+
+Unit Interior (continued)
+
+Level 1 - Bedroom
+
+Level 1 - Dining Room
+
+Level 1 - Living Room
+
+Functional Obsolescence
+
+Functional Issues
+
+None
+
+Vehicle Storage
+
+Storage
+Parking Garage
+
+Number of Parking Spaces
+1 | Owned
+
+Detail
+
+Apparent Defects, Damages, Deficiencies (Vehicle Storage)
diff --git a/chunks/txt/b593ba0b99a34ffc063c9614d02f56cdd4a7031e698c1a34150d15d6b30036ae.txt b/chunks/txt/b593ba0b99a34ffc063c9614d02f56cdd4a7031e698c1a34150d15d6b30036ae.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6d80b7900d462a05ad42c59cfa4ea8bcd2ca8e58
--- /dev/null
+++ b/chunks/txt/b593ba0b99a34ffc063c9614d02f56cdd4a7031e698c1a34150d15d6b30036ae.txt
@@ -0,0 +1,74 @@
+Additional Intended Users – ValuationAdditionalIntendedUserIndicator (UID: 2200.0055, FID: Not on report)
+
+• When “true”
+
+o Display sub-header: Additional Intended Users (FID: 09.006)
+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: 2200.0011, FID: 09.007) and deliver in XML.
+
+• When “false”
+
+o Do not display
+
+Certifications
+
+Appraiser Certifications
+
+The Appraiser Certifications subsection always displays.
+
+Report
+Field ID
+
+Cert #
+
+Certifications Text
+
+Appraiser Certifications
+
+09.008
+
+The Appraiser certifies and agrees that:
+
+09.009
+
+09.010
+
+09.011
+
+09.012
+
+09.013
+
+09.014
+
+1
+
+2
+
+3
+
+4
+
+5
+
+6
+
+6
+
+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.
+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.
+I am aware of and have complied with all applicable laws and regulations including
+antidiscrimination laws, rules, and requirements that apply to the appraiser and to the
+assignment.
+I did not base any part of my conclusions 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.
+I stated my own personal, unbiased, and professional analyses, opinions, and conclusions,
+which are subject only to the assumptions and limiting conditions herein.
diff --git a/chunks/txt/b5954892748267af91fc0d5d007c7dbd3aaaa881cbe74289a4a452c0730aa2de.txt b/chunks/txt/b5954892748267af91fc0d5d007c7dbd3aaaa881cbe74289a4a452c0730aa2de.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8970a3f52b1b104f06a6e9118421b56180543749
--- /dev/null
+++ b/chunks/txt/b5954892748267af91fc0d5d007c7dbd3aaaa881cbe74289a4a452c0730aa2de.txt
@@ -0,0 +1,37 @@
+Appendix B-1: URAR Implementation Guide v1.3
+
+included in the XML file as specified below. Any reference made to an “image” in the following subsections is referring to the following
+metadata elements of the IMAGE container.
+
+Page 49
+
+Comparable Property Image Data
+
+Image data associated with each comparable property (ValuationUseType = “SalesComparable”, “RentalComparable”,
+“GrossRentMultiplierComparable”) must be included in the instance of the PROPERTY container representing the referenced property. For
+example, image data associated with sales comparable #1 must be included in the instance of the PROPERTY container with
+ValuationUseType = ”SalesComparable” and PropertyOrdinalNumber = “1”.
+
+Subject Property Image Data
+
+Image data associated with the subject property must be included in the instance of the PROPERTY container with ValuationUseType =
+“SubjectProperty”. Image data associated with subject property is provided in the XML either by containment or ImageCategoryType. When
+image data is provided by containment, ImageCategoryType is not required as the parent container gives context to the image.
+
+Containment
+
+•
+
+Image data associated with a given vehicle storage must be included in the IMAGE container located in the instance of the
+CAR_STORAGE container that represents the referenced vehicle storage. For example, image data associated with a driveway
+must be provided in the IMAGE container in the instance of the CAR_STORAGE where CarStorageType = “Driveway”.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 50
+
+•
+
+Image data associated with a given amenity must be included in the IMAGE container located in the instance of the AMENITY
+container that represents the referenced amenity. For example, image data associated with a patio must be provided in the
+IMAGE container located in the instance of the AMENITY container where AmenityType = “Patio”.
diff --git a/chunks/txt/b59ea47cc3329c070e7023fb886acadc0da99250be2e4263a9c86f752635d981.txt b/chunks/txt/b59ea47cc3329c070e7023fb886acadc0da99250be2e4263a9c86f752635d981.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0a70d6e3b8b4dc8ef619bc083711d4fdaae6122a
--- /dev/null
+++ b/chunks/txt/b59ea47cc3329c070e7023fb886acadc0da99250be2e4263a9c86f752635d981.txt
@@ -0,0 +1,89 @@
+Indicates that the particular off-site
+improvement feature specified by Property
+Off Site Improvement Feature Type is
+present.
+
+Property Off Site
+Improvement
+Exists Indicator
+
+Indicates that the particular off-site
+improvement feature specified by Property
+Off Site Improvement Feature Type is
+present.
+
+/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[@_Ty
+pe='Alley' and @_OwnershipType='Public']/@_ExistsIndicator
+
+/VALUATION_RESPONSE/PROPERTY/_OFF_SITE_IMPROVEMENT[@_Ty
+pe='Alley' and @_OwnershipType='Private']/@_ExistsIndicator
+
+126
+
+1
+
+120
+
+PROJECT SITE
+
+FEMA Special Flood Hazard
+Area
+Yes
+
+GSE FEMA
+Special Flood
+Hazard Area
+Indicator
+
+Indicates whether any part of the subject
+parcel is in a FEMA designated Flood
+Zone.
+
+/VALUATION_RESPONSE/PROPERTY/SITE/FLOOD_ZONE/FLOOD_ZONE
+_EXTENSION/FLOOD_ZONE_EXTENSION_SECTION[@ExtensionSectionOr
+ganizationName='UNIFORM APPRAISAL
+DATASET']/FLOOD_ZONE_EXTENSION_SECTION_DATA/FLOOD_ZONE
+_INFORMATION[@GSEFEMASpecialFloodHazardAreaIndicator='Y']
+
+121
+
+PROJECT SITE
+
+FEMA Special Flood Hazard
+Area
+No
+
+GSE FEMA
+Special Flood
+Hazard Area
+Indicator
+
+Indicates whether any part of the subject
+parcel is in a FEMA designated Flood
+Zone.
+
+122
+
+PROJECT SITE FEMA Flood Zone
+
+GSE NFIP Flood
+Zone Identifier
+
+The FEMA Flood Zone identifier for the
+subject site.
+
+123
+
+PROJECT SITE FEMA Map #
+
+GSE FEMA Flood
+Map Identifier
+
+The FEMA map number of which the
+subject property is located.
+
+/VALUATION_RESPONSE/PROPERTY/SITE/FLOOD_ZONE/FLOOD_ZONE
+_EXTENSION/FLOOD_ZONE_EXTENSION_SECTION[@ExtensionSectionOr
+ganizationName='UNIFORM APPRAISAL
+DATASET']/FLOOD_ZONE_EXTENSION_SECTION_DATA/FLOOD_ZONE
+_INFORMATION[@GSEFEMASpecialFloodHazardAreaIndicator='N']
diff --git a/chunks/txt/b5a3581add4c32f6be01ef7f86e6a7861fa67744fd69bd5f7e123ce0d760ecd7.txt b/chunks/txt/b5a3581add4c32f6be01ef7f86e6a7861fa67744fd69bd5f7e123ce0d760ecd7.txt
new file mode 100644
index 0000000000000000000000000000000000000000..200a939cd287f16716c1e7c38a5e65cc74581229
--- /dev/null
+++ b/chunks/txt/b5a3581add4c32f6be01ef7f86e6a7861fa67744fd69bd5f7e123ce0d760ecd7.txt
@@ -0,0 +1,98 @@
+Indicated Value by: Sales Comparison Approach $ 124
+126
+
+Income Approach (if developed) $ 125
+
+This appraisal is made “as is”, subject to completion per plans and specifications on the basis of a hypothetical condition that the improvements have been
+completed, subject to the following repairs or alterations on the basis of a hypothetical condition that the repairs or alterations have been completed, or subject to
+the following required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair: 131
+
+130
+
+129
+
+128
+
+127
+
+S
+A
+L
+E
+S
+
+C
+O
+M
+P
+A
+R
+I
+S
+O
+N
+
+A
+P
+P
+R
+O
+A
+C
+H
+
+I
+N
+C
+O
+M
+E
+
+R
+E
+C
+O
+N
+C
+I
+L
+I
+A
+T
+I
+O
+N
+
+Based on a complete visual inspection of the interior and exterior areas of the subject property, defined scope of work, statement of assumptions and limiting
+conditions, and appraiser’s certification, my (our) opinion of the market value, as defined, of the real property that is the subject of this report is
+$ 132
+
+, which is the date of inspection and the effective date of this appraisal.
+
+, as of 133
+
+Freddie Mac Form 465 March 2005 226
+
+Page 3 of 6
+
+Fannie Mae Form 1073 March 2005
+
+2
+
+Individual Condominium Unit Appraisal Report
+
+File # 3
+
+4 4a
+
+This report form is designed to report an appraisal of a unit in a condominium project or a condominium unit in a planned
+unit development (PUD). This report form is not designed to report an appraisal of a manufactured home or a unit in a
+cooperative project.
+
+This appraisal report is subject to the following scope of work, intended use, intended user, definition of market value,
+statement of assumptions and limiting conditions, and certifications. Modifications, additions, or deletions to the intended
+use, intended user, definition of market value, or assumptions and limiting conditions are not permitted. The appraiser may
+expand the scope of work to include any additional research or analysis necessary based on the complexity of this appraisal
+assignment. Modifications or deletions to the certifications are also not permitted. However, additional certifications that do
+not constitute material alterations to this appraisal report, such as those required by law or those related to the appraiser’s
+continuing education or membership in an appraisal organization, are permitted.
diff --git a/chunks/txt/b5a4a7acf7de6cdd790a567aef7281435dbd3fde1c4635743180a0ed58e4a08d.txt b/chunks/txt/b5a4a7acf7de6cdd790a567aef7281435dbd3fde1c4635743180a0ed58e4a08d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a7fe0d823390956151d4374f1d5596090f340382
--- /dev/null
+++ b/chunks/txt/b5a4a7acf7de6cdd790a567aef7281435dbd3fde1c4635743180a0ed58e4a08d.txt
@@ -0,0 +1,84 @@
+Reporting Format:
+Name (AMC Name) – Text
+
+• 1004/70
+
+REQUIREMENT
+
+• 1004 Hybrid/70H
+
+• 1004 Desktop/70D
+
+• 2055/2055
+
+• 1073/465
+
+• 1073 Hybrid/465H
+
+• 1073 Desktop/465D
+
+• 1075/466
+
+• 1004/70
+
+REQUIREMENT
+
+• 1004 Hybrid/70H
+
+• 1004 Desktop/70D
+
+• 2055/2055
+
+• 1073/465
+
+• 1073 Hybrid/465H
+
+• 1073 Desktop/465D
+
+• 1075/466
+
+• 1004/70
+
+REQUIREMENT
+
+• 1004 Hybrid/70H
+
+• 1004 Desktop/70D
+
+• 2055/2055
+
+• 1073/465
+
+• 1073 Hybrid/465H
+
+• 1073 Desktop/465D
+
+• 1075/466
+
+Exhibit 1: Requirements – Condition and Quality Ratings Usage
+Appraisers must utilize the following standardized condition and quality ratings within the appraisal report.
+
+Condition Ratings and Definitions
+
+Page 63 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.
+
+C1: The improvements have been recently constructed and have not been previously
+occupied. The entire structure and all components are new and the dwelling features no
+physical depreciation.
+
+Note: Newly constructed improvements that feature recycled or previously used materials
+and/or components can be considered new dwellings provided that the dwelling is placed on
+a 100 percent new foundation and the recycled materials and the recycled components have
+been rehabilitated/remanufactured into like-new condition. Improvements that have not been
+previously occupied are not considered “new” if they have any significant physical
+depreciation (that is, newly constructed dwellings that have been vacant for an extended
+period of time without adequate maintenance or upkeep).
diff --git a/chunks/txt/b5c7bc38514fb651fb9ee4fc3e01b4b324058773ade4859ebdc9e8ba9d73a70f.txt b/chunks/txt/b5c7bc38514fb651fb9ee4fc3e01b4b324058773ade4859ebdc9e8ba9d73a70f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..38172dcca986f026c51acd8985708056ec47dea6
--- /dev/null
+++ b/chunks/txt/b5c7bc38514fb651fb9ee4fc3e01b4b324058773ade4859ebdc9e8ba9d73a70f.txt
@@ -0,0 +1,92 @@
+Area Data Source/Below Grade Finish Compared to Above
+
+10.009
+
+Area Data Source
+
+0700.0125 DataSourceType
+
+10.010
+
+Below Grade Finish Compared
+to Above
+
+0700.0064 UnitBelowGradeFinishComparisonType
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Figure 10 - 6
+
+Page 180
+
+Unit Interior – ADU
+
+When the Accessory Dwelling Units - AccessoryDwellingUnitTotalCount (UID: 0100.0019, FID: 3.006) > “0”, it indicates there is an ADU
+present in the subject property. The ADU checkboxes and related data will display in each instance of the Unit Interior section.
+
+When there are no ADUs in the subject property, AccessoryDwellingUnitTotalCount (UID: 0100.0019, FID: 3.006) = “0”, the ADU checkboxes
+and related data do not display.
+
+Appendix B-1: URAR Implementation Guide v1.3
+
+Page 181
+
+Report
+Field ID
+
+Report Label
+
+Unique ID
+
+MISMO Data Point/Attribute Name
+
+Display Rules
+
+Unit Interior: General Information – ADU (Figure 10 - 7)
+
+10.011
+
+ADU
+
+0700.0089
+
+AccessoryDwellingUnitIndicator
+
+Display checkboxes on each instance of Unit Interior when
+AccessoryDwellingUnitTotalCount > 0
+
+- When AccessoryDwellingUnitTotalCount = “0” checkboxes do not
+
+display
+
+10.012
+
+Legally Rentable
+
+0700.0098
+
+AccessoryDwellingUnitLegallyRentableIndicator
+
+Display when AccessoryDwellingUnitIndicator = "true"
+
+10.013
+
+Data Source
+
+0700.0125
+
+DataSourceType
+
+Display when AccessoryDwellingUnitLegallyRentableIndicator = “true”
+If there are multiple, display as stacked
+
+-
+
+An arcrole is required for each data source, from DATA_SOURCE_n to
+AccessoryDwellingUnitLegallyRentableIndicator_n
+
+10.014
+
+Typical for Market
+
+0700.0088
diff --git a/chunks/txt/b5da12c0f55b897541dd305097f30b8f02e6a80335a09f8c9191891de484b7b9.txt b/chunks/txt/b5da12c0f55b897541dd305097f30b8f02e6a80335a09f8c9191891de484b7b9.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1a2af4b1d46c0719ad959c6755552fafc9a4ed61
--- /dev/null
+++ b/chunks/txt/b5da12c0f55b897541dd305097f30b8f02e6a80335a09f8c9191891de484b7b9.txt
@@ -0,0 +1,99 @@
+Appendix F-1: URAR Reference Guide
+
+Page 200 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+19 Subject Listing Information
+
+19 Subject Listing Information
+
+The Subject Listing Information section includes information about current and relevant listings of the subject
+property, with a minimum 1 year look back. This section provides space for analysis and exhibits, and always
+displays.
+
+Relevant Listings
+
+Subject Listing Information: Relevant Listings
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+19.000 Current or
+
+Always required
+
+Yes | No
+
+Relevant Listings
+
+Definition / Additional Guidance
+
+Indicates whether there are current or relevant listings for the subject property.
+Notes:
+•
+•
+•
+
+If Yes, the Information for Each Listing table (19.002-19.009) displays.
+If No, “None” displays.
+Do not report listings that resulted in a sale. These are reported in the
+Prior Sale and Transfer History section.
+
+19.001 Data Source
+
+Required if Current or
+Relevant Listings is No
+
+Choose one or
+more allowable
+answers from the
+Definition /
+Additional
+Guidance column
+
+Assessor Record
+Builder or Developer
+Condominium Questionnaire
+Cooperative Board
+Cooperative Questionnaire
+Data Aggregator
+Homeowners Association
+Land Survey
+
+Data Source for No Relevant Listings: Data source(s) used to determine that
+there are no current or relevant listings for the subject property.
+•
+•
+•
+•
+•
+•
+•
+•
+• MLS
+•
+•
+•
+•
+•
+•
+
+Previous Appraisal File
+Property Management Company
+Property Owner
+Property Tenant
+Real Estate Agent
+Other (Describe)
+
+For reference, see the Statement of Assumptions and Limiting Conditions
+relevant to data sources and Appraiser Certification 8.
diff --git a/chunks/txt/b5e5afef18ef0036399438102c0ad78a4ef4a66531bc9890af2299224d63b298.txt b/chunks/txt/b5e5afef18ef0036399438102c0ad78a4ef4a66531bc9890af2299224d63b298.txt
new file mode 100644
index 0000000000000000000000000000000000000000..41863d81e6a7e3641aaab3196c1a1a2a42e65d3f
--- /dev/null
+++ b/chunks/txt/b5e5afef18ef0036399438102c0ad78a4ef4a66531bc9890af2299224d63b298.txt
@@ -0,0 +1,34 @@
+### Have questions?
+
+Get answers to your policy and guide questions, straight from the source.
+
+[Get Started **](/applications-technology/ask-poli)
+
+###### Work with Fannie Mae
+
+- [Customer Login](/saml/login)
+ - [Password Reset](https://passwordreset.fanniemae.com/)
+ - [Not a customer? Get Started](/become-fannie-mae-seller-or-servicer)
+
+###### Products & Solutions
+
+- [Mortgage Products & Options](/originating-underwriting/mortgage-products)
+ - [Technology Apps & Solutions](/applications-technology/applications-technology)
+
+###### Support & Resources
+
+- [Customer Service](https://www.fanniemae.com/about-us/single-family-and-multifamily-business-contacts)
+ - [Guide Forms](/selling-servicing-guide-forms)
+ - [Learning Center](/learning-center)
+ - [News & Events](/news-events)
+ - [Report mortgage fraud](/mortgage-fraud-prevention)
+
+###### Other Sites
+
+- [Fannie Mae's Consumer Website](https://www.fanniemae.com/)
+ - [Duty to Serve](https://www.fanniemae.com/about-us/what-we-do/homeownership/duty-serve)
+ - [HomePath](https://www.homepath.com/)
+
+.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(); } ); } }); });
diff --git a/chunks/txt/b5f155b50da70fbd7f1d5e83cad66972c4b8c08f106e42a5743a9dd28b4b7caa.txt b/chunks/txt/b5f155b50da70fbd7f1d5e83cad66972c4b8c08f106e42a5743a9dd28b4b7caa.txt
new file mode 100644
index 0000000000000000000000000000000000000000..511c3a7991b7bb3c2be6ff384da23ce5cfc90282
--- /dev/null
+++ b/chunks/txt/b5f155b50da70fbd7f1d5e83cad66972c4b8c08f106e42a5743a9dd28b4b7caa.txt
@@ -0,0 +1,34 @@
+[Daniel E. Coates](mailto:Daniel.Coates@fhfa.gov), Acting Chief of Staff and Chairman of the FHFA’s Reference Rate Transition Steering Committee
+Phone: (202) 649-3280 Email: [Daniel.Coates@fhfa.gov](mailto:Daniel.Coates@fhfa.gov); [RRT@fhfa.gov](mailto:RRT@fhfa.gov)
+
+*Page last updated: December 6, 2023​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​*
+
+Sign up for email updates
+
+Leave this field blank
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+## Footer Highlighted
+
+- [About](/about)
+ - [Careers](/about/careers)
+ - [Sitemap](/sitemap)
+ - [Contact Us](/contact)
+
+---
+
+- [![Facebook](/themes/custom/fhfa/assets/uswds/images/usa-icons/facebook.svg)](https://www.facebook.com/FHFA)
+ - [![X logo](/themes/custom/fhfa/assets/uswds/images/usa-icons/x.svg)](https://www.x.com/FHFA)
+ - [![YouTube](/themes/custom/fhfa/assets/uswds/images/usa-icons/youtube.svg)](https://www.youtube.com/channel/UCoKP7Om6nsRkEav9yInFekw)
+ - [![linkedin](/themes/custom/fhfa/assets/uswds/images/usa-icons/linkedin.svg)](https://www.linkedin.com/company/fhfa/)
+
+## Footer
+
+- [Accessibility](/about/fhfa-policies/accessibility)
+ - [Budget, Finances, and Performance​](/about/budget-finances-and-performance)
+ - [FOIA](/about/foia-privacy)
+ - [No FEAR Act Data](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Office of the Inspector General](https://www.fhfaoig.gov/)
+ - [Privacy Policy](/about/fhfa-policies/website-privacy-policy)
+ - [USA.gov](https://www.usa.gov/)
diff --git a/chunks/txt/b5f75b0f6be320d9f1aa9105d49127bf6af6e3c3d4ea28412a5762b2c241f7a3.txt b/chunks/txt/b5f75b0f6be320d9f1aa9105d49127bf6af6e3c3d4ea28412a5762b2c241f7a3.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ed0d1d7a6dfee07ab58f8e63b24c5f702c73f747
--- /dev/null
+++ b/chunks/txt/b5f75b0f6be320d9f1aa9105d49127bf6af6e3c3d4ea28412a5762b2c241f7a3.txt
@@ -0,0 +1,46 @@
+ADDRESS OF PROPERTY APPRAISED
+ 19 __________________________________________________
+ 20a, 20b, 20c, 20d _____________________________________
+APPRAISED VALUE OF SUBJECT PROPERTY $ 21_______________
+LENDER/CLIENT
+Name 22 _____________________________________________
+Company Name 23 _____________________________________
+Company Address 24 ___________________________________
+Email Address 26 ______________________________________
+
+Signature ___________________________________________
+Name 27 ___________________________________________
+Company Name 28 __________________________________
+Company Address 29 _________________________________
+ 30a, 30b 30c ________________________
+Telephone Number 31 ________________________________
+Email Address 32 ____________________________________
+Date of Signature 33 _________________________________
+State Certification # 34 ________________________________
+or State License # 35 _________________________________
+State 36 ___________________________________________
+Expiration Date of Certification or License 37 ______________
+SUPERVISORY APPRAISER
+
+SUBJECT PROPERTY
+38
+ Did not inspect subject property
+ Did inspect exterior of subject property from street
+39
+
+Date of Inspection 40 ______________________________
+
+Did inspect interior and exterior of subject property
+41
+
+Date of Inspection 42 ______________________________
+
+COMPARABLE SALES
+ Did not inspect exterior of comparable sales from street
+43
+ Did inspect exterior of comparable sales from street
+44
+
+Date of Inspection 45 ______________________________
+
+Freddie Mac Form 465 March 2005 226
diff --git a/chunks/txt/b5fd34f3c283de27c1f30c8daabae2ff81fc3d91b0ab01274ee1a025733d78ac.txt b/chunks/txt/b5fd34f3c283de27c1f30c8daabae2ff81fc3d91b0ab01274ee1a025733d78ac.txt
new file mode 100644
index 0000000000000000000000000000000000000000..12c6d2b51ffb9be33d8af08e29707f3b134e0642
--- /dev/null
+++ b/chunks/txt/b5fd34f3c283de27c1f30c8daabae2ff81fc3d91b0ab01274ee1a025733d78ac.txt
@@ -0,0 +1,15 @@
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+49
+
+Data PointsContainersSection 9: Loan Originator InformationDEALPARTYLOANSPARTIESPartyRoleTypeROLESROLELOANApplicationSignedByLoanOriginatorDateADDRESSESADDRESSTaxpayerIdentifierValueTaxpayerIdentifierTypeAddressLineTextAddressUnitIdentifierCityNameStateNamePostalCodeDOCUMENT_SPECIFIC_DATA_SETSDOCUMENT_SPECIFIC_DATA_SETURLAURLA_DETAILGOVERNMENT_LOANFHALoanLenderIdentifierFHALoanSponsorIdentifierCONTACT_POINTSCONTACT_POINTINDIVIDUALCONTACT_POINT_TELEPHONEContactPointTelephoneValueNAMEFirstNameLastNameMiddleNameSuffixNameLEGAL_ENTITY_DETAILLEGAL_ENTITYFullNameLICENSE_DETAILLICENSELICENSESLicenseIdentifierLicenseAuthorityLevelTypeROLE_DETAILTAXPAYER_IDENTIFIERSTAXPAYER_IDENTIFIERCONTACT_POINT_EMAILContactPointEmailValue
+
+DU Spec Implementation Guide
+
+Fannie Mae Proprietary & Confidential
+
+50
+
+Data PointsContainersLegend:L1. Property and Loan InformationCONSTRUCTIONDEALPARTYCOLLATERALSLOANSLOANPARTIESGovernmentRefinanceTypePropertyEnergyEfficientHomeIndicatorROLESROLEBORROWERPROJECT_DETAILGOVERNMENT_LOANBORROWER_DETAILCOLLATERALSUBJECT_PROPERTYPROJECTConstructionLoanTypeConstructionToPermanentClosingTypeLandOriginalCostAmountConstructionImprovementCostsAmountProjectLegalStructureTypeProjectDesignTypePROPERTY_VALUATION_DETAILPROPERTY_VALUATIONSPROPERTY_VALUATIONAppraisalIdentifierPROPERTY_DETAILAttachmentTypeCommunityPropertyStateIndicatorPropertyAcquiredDatePUDIndicatorPropertyExistingCleanEnergyLienIndicatorPropertyInProjectIndicatorPropertyStructureBuiltYearDOCUMENT_SPECIFIC_DATA_SETSDOCUMENT_SPECIFIC_DATA_SETURLAURLA_DETAILRefinanceImprovementsTypeRefinanceImprovementCostsAmountLOAN_DETAILREFINANCERefinanceCashOutDeterminationTypeRefinancePrimaryPurposeTypeConversionOfContractForDeedIndicatorRenovationLoanIndicatorEnergyRelatedImprovementsIndicatorCommunityPropertyStateResidentIndicatorEXTENSIONOTHERDU:LOAN_DETAIL_EXTENSIONDU:EnergyImprovementAmountDU:PACELoanPayoffAmountDU:SharedEquityAmount
diff --git a/chunks/txt/b5fe3caf868bcb66a1c9261d0c6af08fe900465a7d66526d7686995774f9dd2b.txt b/chunks/txt/b5fe3caf868bcb66a1c9261d0c6af08fe900465a7d66526d7686995774f9dd2b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..40170851669395824df921e1310e92c190a49ccd
--- /dev/null
+++ b/chunks/txt/b5fe3caf868bcb66a1c9261d0c6af08fe900465a7d66526d7686995774f9dd2b.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/reports/mission-report"
+date_accessed: "2026-01-27T17:54:20.712Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/b612889af594394a0e42ce6a0f5339aa3c2223c9fb8ad430ff44faa1aeb16abc.txt b/chunks/txt/b612889af594394a0e42ce6a0f5339aa3c2223c9fb8ad430ff44faa1aeb16abc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ff65958a53e9b1d1d0fcb2e293174d93aa6ab119
--- /dev/null
+++ b/chunks/txt/b612889af594394a0e42ce6a0f5339aa3c2223c9fb8ad430ff44faa1aeb16abc.txt
@@ -0,0 +1,124 @@
+Uniform Residential Appraisal Report
+
+Page 24 of 30
+Page 24 of 30
+
+Cost Approach (continued)
+
+As-Is Value of Site Improvements
+
+Description
+Well, septic, fence, deck, driveway, and water frontage
+improvements
+
+Amount
+
+$31,500
+
+Total
+
+$31,500
+
+Site Value
+
+Primary Site Valuation Method Sales Comparison
+
+Opinion of Site Value
+
+$250,000
+
+Land Comparables
+
+#
+1
+
+2
+
+3
+
+Address
+123 Water Front Dr
+Some City,
+VA 20141
+
+Lot: 123 Block: 321
+Dry Road
+Some City,
+VA 20141
+
+456 Thirsty Ave
+Some City,
+VA 20141
+
+County
+Alpine
+
+Data Source
+MLS 238183040
+
+Assessor Parcel
+Number (APN)
+555666999000111
+
+Site Size
+4 Acres
+
+Sale Date
+01/01/2018
+
+Price
+$200,000
+
+Alpine
+
+MLS 138320852
+
+654651354132
+
+3 Acres
+
+01/01/2016
+
+$150,000
+
+Alpine
+
+MLS 183932048
+
+87498461513542100
+
+10 Acres
+
+01/01/2017
+
+$100,000
+
+Reconciliation of Site Value Comp #1 is a 4 acre site on same lake as the subject, includes 1/4 acre parcel providing water frontage much like
+the subject. Comp #2 is a 3 acre site with water views on same lake as subject. Comp #3 is a 10 acre site within a mile of the subject with same
+power line easement. However, comp #3 has no water frontage or view, and the easement splits the property in half, making some of the land
+useless for construction.
+
+General Description
+
+Cost Type
+Cost Data Source
+Quality Rating
+Effective Date
+
+Replacement
+Marshall & Swift
+Good
+06/01/2019
+
+Cost Approach Commentary
+
+Cost Method
+Depreciation Method
+
+Comparative Unit
+Modified Economic Age-Life
+
+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.
diff --git a/chunks/txt/b61999e78915e2da06379e9e0c2d0ed0fd963441ce6da1dcee5992f44fbe138a.txt b/chunks/txt/b61999e78915e2da06379e9e0c2d0ed0fd963441ce6da1dcee5992f44fbe138a.txt
new file mode 100644
index 0000000000000000000000000000000000000000..d89ac9014e22b4c56e12a98bd8d8e3999faa02e0
--- /dev/null
+++ b/chunks/txt/b61999e78915e2da06379e9e0c2d0ed0fd963441ce6da1dcee5992f44fbe138a.txt
@@ -0,0 +1,31 @@
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 1 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 1 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_units_num: 1.0 | type_afford_cat: 2 | type_tenant_inc_basis: 0
+enterprise: 1 | record_num_mf_nf: 10000001 | type_bed_num: 2 | type_un
diff --git a/chunks/txt/b6298a03de12ebb70debf432d39b774d2ed679a9e2ca9af2de175e3d6000c22d.txt b/chunks/txt/b6298a03de12ebb70debf432d39b774d2ed679a9e2ca9af2de175e3d6000c22d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..5533203459c5b87476072c04941bf4c8d69f30e0
--- /dev/null
+++ b/chunks/txt/b6298a03de12ebb70debf432d39b774d2ed679a9e2ca9af2de175e3d6000c22d.txt
@@ -0,0 +1,99 @@
+A graph representing the sales trend and quantity of homes as it relates to the year the homes were constructed in the
+defined market area.
+
+The appraiser must provide housing trend information for competitive properties within the defined market
+area (e.g., single-family to single-family, condominium to condominium).
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+17.021 Demand/Supply Always required
+
+17.022 Marketing Time Always required
+
+Market Commentary
+
+Market: Housing Trends
+
+Allowable
+Answers / Format
+
+Choose an answer
+from the
+Definition /
+Additional
+Guidance column
+
+Choose an answer
+from the
+Definition /
+Additional
+Guidance column
+
+Definition / Additional Guidance
+
+The housing supply for competitive properties in the defined market area.
+•
+•
+•
+
+Oversupply
+In Balance
+Shortage
+
+The range of time needed to sell competitive properties in the defined market
+area.
+•
+•
+•
+
+Under 3 months
+3 to 6 months
+Over 6 months
+
+Market Commentary
+
+Report
+Field ID
+
+Report Label
+
+When to Include
+
+Allowable
+Answers / Format
+
+17.023 Market
+
+If applicable
+
+Free-form
+
+Commentary
+
+Definition / Additional Guidance
+
+Commentary could include information pertinent to the Market section that is
+not captured in the discrete data, or additional details to support the discrete
+data that is provided.
+
+Appendix F-1: URAR Reference Guide
+
+Page 180 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+Market Exhibits
+
+17 Market
+
+All photos or images related to the Market section are displayed in the Market Exhibits subsection. If there are
+no photos or images, this subsection does not display.
+
+Report Label
diff --git a/chunks/txt/b630ab2604dc3ac37e56d1f8a81105db1be293919879952f665d53c859b3e16f.txt b/chunks/txt/b630ab2604dc3ac37e56d1f8a81105db1be293919879952f665d53c859b3e16f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2d3ef57813235b590f076575f5e450fc376d3bce
--- /dev/null
+++ b/chunks/txt/b630ab2604dc3ac37e56d1f8a81105db1be293919879952f665d53c859b3e16f.txt
@@ -0,0 +1,23 @@
+Given the unique challenges presented by these markets—high vacancy rates, weak for-sale markets, steep home-price declines—Fannie Mae and Freddie Mac selected the [National Community Stabilization Trust](http://www.stabilizationtrust.org/) (NCST), a national non-profit organization experienced in stabilization efforts for distressed communities to implement the NSI. Working together, they leverage their ties to "boots on the ground" community organizations and local non-profits, and work closely with local governments to make timely and informed decisions about the best treatment of individual properties.
+
+NSI was initiated as a pilot in the city of Detroit, Michigan in May 2014, and was then expanded to Cook County, Illinois in April 2015. Building on the lessons learned from the pilot, NSI was developed into a program and was expanded in December 2015 to 18 different metropolitan statistical areas with high volumes of low-value REO inventory. In December 2017, 10 additional markets were designated for further expansion. Currently, Fannie Mae operates their neighborhood stabilization efforts through their Community First Platform and has expanded the program to new markets across the country. Freddie Mac continues to administer their neighborhood stabilization efforts through NCST.
+
+​​​​
+
+Image
+
+![MSA-Map](/sites/default/files/styles/large/public/2023-05/MSA-Map.png?itok=r946MRak)
+
+- [NSI Expansion Interactive Map - updated monthly](/node/13636) - *(currently as of 12/31/2019)*
+ - [NSI Fact Sheet (12/12/2017)](/neighborhood-stabilization-initiative-program-fact-sheet)
+
+- Akron, OH
+ - Baltimore-Columbia-Towson, MD
+ - Cincinnati, OH-KY-IN
+ - Cook County, IL
+ - Detroit-Warren-Dearborn, MI
+ - Jacksonville, FL
+ - Miami-Fort Lauderdale-West Palm Beach, FL
+ - Orlando-Kissimmee-Sanford, FL
+ - Pittsburgh, PA
+ - Toledo, OH
diff --git a/chunks/txt/b632e6e408578ef2f96259607f4d696d2c4ba4ce35df92c47e97e4f59a3bd08b.txt b/chunks/txt/b632e6e408578ef2f96259607f4d696d2c4ba4ce35df92c47e97e4f59a3bd08b.txt
new file mode 100644
index 0000000000000000000000000000000000000000..053bfdeb11392c31874963d87459ea08bda50bea
--- /dev/null
+++ b/chunks/txt/b632e6e408578ef2f96259607f4d696d2c4ba4ce35df92c47e97e4f59a3bd08b.txt
@@ -0,0 +1,105 @@
+AMA_PUDB_Definitions_123113.xlsx
+
+Data Definitions
+Federal Housing Finance Agency
+Federal Home Loan Bank Purchased Mortgage Files
+As of December 31, 2012
+
+Column
+
+1 Year
+2 Loan Number
+3 FHFBankID
+4 Program
+
+5 FIPSStateCode
+6 FIPSCountyCode
+7 MSA
+
+8 FeatureID
+9 Tract
+10 MinPer
+11 TraMedY
+12 LocMedY
+13 Tractrat
+14 Income
+15 CurAreY
+16 IncRat
+17 UPB
+18 LTV
+19 MortDate
+20 AcquDate
+21 Purpose
+
+22 Coop
+
+23 Product
+
+24 FedGuar
+
+25 Term
+26 AmorTerm
+27 FHFBID
+28 Seller
+29 SellCity
+30 SellSt
+
+Definition
+Year Loan was reported
+Unique Loan Number (Not actual loan number)
+Name of Federal Home Loan Bank District
+AMA Program
+01=Original MPF;
+02=MPF100;
+03=MPF125;
+04=MPF 125 Plus;
+05=MPF for FHA/VA;
+06=MPP;
+07=MPP/FHA;
+09=Shared Funding Loans
+FIPS State Code
+FIPS County Code
+Core Based Statistical Area
+99999=State/County/Tract combination is not located in a CBSA
+Geographic Names Information System (GNIS) Feature ID
+Census Tract
+Census Tract Minority Percentage
+Census Tract Median Family Income in Whole Dollars
+Local Area Median Income in Whole Dollars
+Tract Income Ratio
+Total Borrower(s) Annual Income in Whole Dollars
+Area Median Family Income in Whole Dollars
+Borrower Income Ratio
+Acquisition Unpaid Principal Balance in Whole Dollars
+Loan to Value Ratio at Origination
+Year of Mortgage Note
+Year of Acquisition Note
+Loan Purpose
+1=purchase;
+2=refinancing;
+3=second mortgage;
+4=new construction;
+5=rehabilitation
+Cooperative Unit Mortgage
+1=yes;
+2=no
+Product Type
+01=Fixed Rate;
+02=ARM;
+03=Balloon;
+04=GPM/GEM;
+05=Reverse Annuity Mortgage;
+06=other
+Federal Guarantee
+0=no federal guarantee;
+1=FHA;
+2=VA;
+3=FMHA-Guaranteed Rural Housing Loan;
+4=HECMs;
+5=Title1-FHA
+Term of Mortgage at Origination in months
+Amortization Term in months
+Acquiring Lender Institution Federal Housing Finance Agency Membership ID
+Acquiring Lender Name
+Acquiring Lender City
+Acquiring Lender State
diff --git a/chunks/txt/b6378019d13293e2b4e7f7d42dc2815c993e8b0c29ee88a5d0984ec02b9d5ccf.txt b/chunks/txt/b6378019d13293e2b4e7f7d42dc2815c993e8b0c29ee88a5d0984ec02b9d5ccf.txt
new file mode 100644
index 0000000000000000000000000000000000000000..8c76f412c755135ce2edbdeccdbd250c07cd470e
--- /dev/null
+++ b/chunks/txt/b6378019d13293e2b4e7f7d42dc2815c993e8b0c29ee88a5d0984ec02b9d5ccf.txt
@@ -0,0 +1,21 @@
+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.
+
+6. I have, at a minimum, developed and reported this appraisal update in accordance with the scope of work requirements stated in this
+appraisal update report and concur with the analysis and conclusions in the original appraisal.
diff --git a/chunks/txt/b63af0f7fcac769e8125d2004ebae3125a4c7d3edde07106c9a28c8a8e86415f.txt b/chunks/txt/b63af0f7fcac769e8125d2004ebae3125a4c7d3edde07106c9a28c8a8e86415f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..af740ed1b05b7bf850c53f48bb9febba7f5a4583
--- /dev/null
+++ b/chunks/txt/b63af0f7fcac769e8125d2004ebae3125a4c7d3edde07106c9a28c8a8e86415f.txt
@@ -0,0 +1,95 @@
+This is where the Media Room photo would display.
+
+Level B1 - Recreation Room
+
+Level B1 - Wet Bar
+
+This is where the Recreation Room photo would display.
+
+This is where the Wet Bar photo would display.
+
+Level 1 - Bath - Full - Bath 3
+
+Level 1 - Family Room
+
+This is where the Full Bath photo would display.
+
+This is where the Family Room 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 9 of 21
+Page 9 of 21
+
+Unit Interior (continued)
+
+Level 1 - Kitchen
+
+Level 2 - Bath - Full - Bath 1
+
+This is where the Kitchen photo would display.
+
+This is where the Full Bath photo would display.
+
+Level 2 - Bath - Full - Bath 2
+
+Apparent Defects, Damages, Deficiencies -
+Flooring - Damaged Flooring
+
+This is where the Full Bath photo would display.
+
+This is where the Damaged Flooring photo would display.
+
+Functional Obsolescence
+
+Functional Issues
+
+None
+
+Vehicle Storage
+
+Storage
+Driveway
+
+Garage
+
+Number of Parking Spaces
+2
+
+2
+
+Detail
+Asphalt
+
+Built-in
+460 Sq. Ft.
+
+Apparent Defects, Damages, Deficiencies (Vehicle Storage)
+
+None
+
+Vehicle Storage Exhibits
+
+Driveway - Garage
+
+This is where the Driveway - Garage photo would display.
+
+Appraiser Reference ID AA12345 Client Reference ID 1234567 AMC Reference ID 543234Appraisal Version #4Fannie Mae | Freddie Mac September 2024
+
+Uniform Residential Appraisal Report
+
+Page 10 of 21
+Page 10 of 21
+
+Subject Property Amenities
+
+Amenity Category
+Outdoor Accessories
+
+Outdoor Living
+
+Whole Home
+
+Miscellaneous
diff --git a/chunks/txt/b6472b3d7438a14e0aade2b84946eff4892e898c70be9ca5eef212c29422b7a1.txt b/chunks/txt/b6472b3d7438a14e0aade2b84946eff4892e898c70be9ca5eef212c29422b7a1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c6a9fa358fb6df401d2a73917060c421a75cf809
--- /dev/null
+++ b/chunks/txt/b6472b3d7438a14e0aade2b84946eff4892e898c70be9ca5eef212c29422b7a1.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 2024
+
+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/b64d8940096956567975387e73941dce7bd126bd7085277952660a1f121245ce.txt b/chunks/txt/b64d8940096956567975387e73941dce7bd126bd7085277952660a1f121245ce.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4f581d9b189c93e64ab1925e9b5df4b7c0411f54
--- /dev/null
+++ b/chunks/txt/b64d8940096956567975387e73941dce7bd126bd7085277952660a1f121245ce.txt
@@ -0,0 +1,111 @@
+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
+
+APPRAISER
+CERTIFICATION
+
+LENDER/CLIENT
+Company Address
+
+APPRAISER
+CERTIFICATION
+
+LENDER/CLIENT
+Email Address
+
+APPRAISER
+CERTIFICATION
+
+Supervisory Appraiser
+Name
+
+APPRAISER
+CERTIFICATION
+
+Supervisory Appraiser
+Company Name
+
+Appraisal Forms
+Lender Unparsed
+Address
+
+Contact Point Value
+
+Supervisor 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.
+
+/VALUATION_RESPONSE/PARTIES/LENDER/@AppraisalFormsUnparsedAd
+dress
+
+/VALUATION_RESPONSE/PARTIES/LENDER/CONTACT_DETAIL/CONTA
+CT_POINT[@_Type='Email']/@_Value
+
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_Name
+
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_CompanyName
+
+APPRAISER
+CERTIFICATION
+
+Supervisory Appraiser
+Company Address
+
+Supervisor Street
+Address
+
+The street address of the supervisor.
+
+/VALUATION_RESPONSE/PARTIES/SUPERVISOR/@_StreetAddress
+
+APPRAISER
+CERTIFICATION
+
+APPRAISER
+CERTIFICATION
+
+APPRAISER
+CERTIFICATION
+
+APPRAISER
+CERTIFICATION
+APPRAISER
+CERTIFICATION
+
+Supervisory Appraiser
+Company Address
+(2nd line)
+Supervisory Appraiser
+Company Address
+(2nd line)
+Supervisory Appraiser
+Company Address
+(2nd line)
+Supervisory Appraiser
+Telephone Number
+Supervisory Appraiser
+Email Address
diff --git a/chunks/txt/b65a6d9b5833da7949318d0cfac2b0975228110fbd4be4a05454e3bc0260f1d6.txt b/chunks/txt/b65a6d9b5833da7949318d0cfac2b0975228110fbd4be4a05454e3bc0260f1d6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4fb1e2c55fba53306d310c5df4bfb4bfe4af18c1
--- /dev/null
+++ b/chunks/txt/b65a6d9b5833da7949318d0cfac2b0975228110fbd4be4a05454e3bc0260f1d6.txt
@@ -0,0 +1,17 @@
+FHFA Statement: ​[Statement of FHFA Deputy Director Robert Fishman on the Launch of the New Uniform Mortgage-Backed Security (UMBS)](/news/statement/statement-of-fhfa-deputy-director-robert-fishman-on-the-launch-of-the-new-uniform-mortgage-backed)​​ (06/03/2019)
+
+[*Prepayment Monitoring Report - 2Q2019*](/document/prepayment-monitoring-report-2q2019) (08/20/2019)
+
+[Link to all Prepayment Monitoring Reports](/reports/prepayment-monitoring-report)
+
+FHFA News Release: [FHFA Issues Final Rule on Uniform Mortgage-Backed Security](/news/news-release/fhfa-issues-final-rule-on-uniform-mortgage-backed-security) (02/28/2019)
+
+[Uniform Mortgage-Backed Security Final Rule​](/regulation/federal-register/final-rule/uniform-mortgage-backed-security-final-rule) (02/28/2019)
+
+FHFA News Release: [FHFA Updates Progess on the Single Security Initiative and Common Securitization Platform](/news/news-release/fhfa-updates-progress-on-the-single-security-initiative-and-common-securitization-platform) (11/13/2018)
+
+[*An Update on the Single Security Initiative and the Common Securitization Platform*](/document/an-update-on-the-single-security-initiative-and-the-common-security-platform-november-2018) (11/13/2018)
+
+FHFA News Release: [FHFA Issues Notice of Proposed Rulemaking on Uniform Mortgage-Backed Security](/news/news-release/fhfa-issues-notice-of-proposed-rulemaking-on-uniform-mortgage-backed-security) (09/12/2018)
+
+[Uniform Mortgage-Backed Security Proposed Rule](/regulation/federal-register/rin-2590-aa94) (09/12/2018)
diff --git a/chunks/txt/b667c98e983e3939a9f8c279979b6f09c6530073d4f37040172e39cc0c31521e.txt b/chunks/txt/b667c98e983e3939a9f8c279979b6f09c6530073d4f37040172e39cc0c31521e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..98a7b8aac44f3bce60fa922d01f03f425e1c3295
--- /dev/null
+++ b/chunks/txt/b667c98e983e3939a9f8c279979b6f09c6530073d4f37040172e39cc0c31521e.txt
@@ -0,0 +1,3 @@
+Adjustments ............................................................................................................................................................................................................................. 279
+
+Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 280
diff --git a/chunks/txt/b6708d8ca241112b1397b7840a5f8e02fa3022f5f76949bbc7da8ac087691e57.txt b/chunks/txt/b6708d8ca241112b1397b7840a5f8e02fa3022f5f76949bbc7da8ac087691e57.txt
new file mode 100644
index 0000000000000000000000000000000000000000..a05adba26e8fe3f373b33457edf955e0261529b3
--- /dev/null
+++ b/chunks/txt/b6708d8ca241112b1397b7840a5f8e02fa3022f5f76949bbc7da8ac087691e57.txt
@@ -0,0 +1,321 @@
+WES1932
+
+Fence
+
+IrrigationSystem
+
+OutdoorAccessories
+
+80
+
+Wood
+
+Balcony
+
+80
+
+Wood
+
+Balcony
+
+80
+
+Concrete
+
+Patio
+
+80
+
+Concrete
+
+Patio
+
+OutdoorLiving
+
+MultipleZoneHeatingVentilationAndAirConditioning
+
+WholeHome
+
+0
+
+Detached
+
+1
+
+true
+
+4
+
+false
+
+false
+
+C3
+
+Q4
+
+false
+
+true
+
+FeeSimple
+
+false
+
+false
+
+false
+
+5282
+
+false
+
+false
+
+false
+
+TraditionalAppraisal
+
+None
+
+0
+
+0
+
+0
+
+10150
+
+10150
+
+0
+
+10400
+
+10400
+
+true
+
+false
+
+None
+
+true
+
+true
+
+true
+
+true
+
+true
+
+Asphalt
+
+Local
+
+true
+
+PublicStreet
+
+true
+
+false
+
+false
+
+None
+
+Properties such as this in this market area are typically located on busy roadways.
+
+Bordering
+
+BusyRoadway
+
+Adverse
+
+Bordering
+
+Residential
+
+Neutral
+
+21000
+
+1
+
+Public
+
+Electricity
+
+Public
+
+Gas
+
+Public
+
+SanitarySewer
+
+Public
+
+Water
+
+Neutral
+
+true
+
+Full
+
+Residential
+
+Residential - Multi Family district
+
+MF-3
+
+Legal
+
+181 Cattledrive St
+
+Anyplace
+
+01234
+
+TX
+
+Detached
+
+Carport
+
+4
+
+Driveway
+
+Concrete
+
+4
+
+false
+
+0
+
+SalesConcessions
+
+10000
+
+ContractDate
+
+0
+
+SaleDate
+
+0
+
+SiteSize
+
+-25000
+
+SiteInfluence
+
+0
+
+YearBuilt
+
+0
+
+GrossBuildingFinishedArea
+
+-9900
+
+LivingUnitStandardFinishedAreaAboveGrade
+
+Unit A
+
+-9900
+
+LivingUnitStandardFinishedAreaAboveGrade
+
+Unit B
+
+-9900
+
+LivingUnitStandardFinishedAreaAboveGrade
+
+Unit C
+
+-9900
+
+LivingUnitStandardFinishedAreaAboveGrade
+
+Unit D
+
+795400
+
+99425
+
+198850
+
+North
+
+Less
+
+false
+
+155
+
+1
+
+3
+
+-54600
+
+Dwelling
+
+2015
+
+false
+
+Well maintained with minimal depreciation
+
+WallsAndCeiling
+
+1300
+
+0
+
+false
+
+2
+
+2
+
+0
+
+C3
+
+Q4
+
+Unit A
+
+Well maintained with minimal depreciation
+
+WallsAndCeiling
+
+1300
+
+0
+
+false
+
+2
+
+2
+
+0
+
+C3
+
+Q4
+
+Unit B
+
+Well maintained with minimal depreciation
diff --git a/chunks/txt/b6714cfbe74e097a4a23f69a1fe68c8b70b251e206cc9fb6c55a7f8465f61979.txt b/chunks/txt/b6714cfbe74e097a4a23f69a1fe68c8b70b251e206cc9fb6c55a7f8465f61979.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9063dc2a1247e0d79f96315bf8aa4f35aa30adab
--- /dev/null
+++ b/chunks/txt/b6714cfbe74e097a4a23f69a1fe68c8b70b251e206cc9fb6c55a7f8465f61979.txt
@@ -0,0 +1,35 @@
+---
+source_url: "https://www.fhfa.gov/policy/enterprise-affordable-housing-allocations"
+date_accessed: "2026-01-27T17:54:20.427Z"
+---
+
+> *[Iframe content not accessible: https://www.googletagmanager.com/ns.html?id=GTM-P4TN8LD2]* [Skip to main content](#main-content) ![image](/themes/custom/fhfa/assets/uswds/images/us_flag_small.png)
+
+An official website of the United States government
+
+Here's how you know
+
+Here's how you know
+
+![Dot gov](/themes/custom/fhfa/assets/uswds/images/icon-dot-gov.svg) **Official websites use .gov**
+ A **.gov** website belongs to an official government organization in the United States.
+
+![Https](/themes/custom/fhfa/assets/uswds/images/icon-https.svg) **Secure .gov websites use HTTPS**
+ A **lock** ( Lock Locked padlock ) or **https://** means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.
+
+*[![FHFA logo](/themes/custom/fhfa/fhfa-logo.svg)](/) [U.S. FEDERAL HOUSING](/)*
+
+![close](/themes/custom/fhfa/assets/uswds/images/usa-icons/close.svg) Search site content. Search ![Search](/themes/custom/fhfa/assets/uswds/images/usa-icons-bg/search--white.svg) - About About FHFA
+
+- [Mission & Core Values](/about)
+ - [Leadership](/about/leadership/william-j-pulte)
+ - [Conservatorship](/conservatorship)
+ - [FHFA Policies](/about/fhfa-policies)
+ - [Budget, Finances, and Performance](/about/budget-finances-and-performance)
+ - [FOIA & Privacy](/about/foia-privacy)
+ - [Information Quality](/about/information-quality)
+ - [Do Business with Us](/about/do-business-with-us)
+ - [Ombudsman](/about/ombudsman)
+ - [Equal Employment Opportunity](/about/fhfa-policies/equal-employment-opportunity-no-fear-act)
+ - [Careers](/about/careers)
+ - [Contact Us](/contact)
diff --git a/chunks/txt/b69a17d9e167310d274d7c92e5baa0d834eb92a80b12a44b28fabcffedbfc52f.txt b/chunks/txt/b69a17d9e167310d274d7c92e5baa0d834eb92a80b12a44b28fabcffedbfc52f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..ee052a2632a7ada6705b58ae2e91708fc6b8972c
--- /dev/null
+++ b/chunks/txt/b69a17d9e167310d274d7c92e5baa0d834eb92a80b12a44b28fabcffedbfc52f.txt
@@ -0,0 +1,62 @@
+IV. Technical Revisions to Data Fields
+in the PUDB Matrices
+
+A. Revisions To Conform to Existing
+PUDB Reporting Practices
+
+FHFA has made technical revisions to
+certain data fields in the PUDB matrices
+
+to conform the data fields to existing
+PUDB data reporting practices, as
+further discussed below.
+
+1. Single-Family Data Field 23:
+Cooperative Unit Mortgage
+
+This data field identifies single-family
+
+housing units that are part of a
+cooperative building secured by a
+mortgage or ‘‘blanket loan.’’ FHFA no
+longer requires the Enterprises to report
+this data for housing goals purposes.
+Accordingly, footnote (7) to this data
+field in the single-family matrix
+indicates that this data field is not
+applicable for 2010 and beyond.
+
+2. Single-Family Data Field 28: RTC/
+FDIC
+
+This data field identifies loans
+
+purchased by the Enterprises that were
+made by the Resolution Trust
+Corporation (RTC) or the Federal
+Deposit Insurance Corporation (FDIC)
+and met certain other statutory criteria.
+FHFA no longer requires the Enterprises
+to report this data for housing goals
+purposes. Accordingly, footnote (7) to
+this data field in the single-family
+matrix indicates that the data field is not
+applicable for 2010 and beyond.
+
+3. Single-Family and Multifamily Data
+Fields 31 and 30: Lender Institution
+Name; Single-Family and Multifamily
+Data Fields 32 and 31: Lender City;
+Single-Family and Multifamily Data
+Fields 33 and 32: Lender State
+
+These data fields identify the name,
+city and state of the lender that sold the
+loan to the Enterprise. FHFA no longer
+requires the Enterprises to report this
+data for housing goals purposes.
+Accordingly, footnotes (7) and (5) to this
+data field in the single-family and
+multifamily matrices, respectively,
+indicate that this data field is not
+applicable for 2010 and beyond.
diff --git a/chunks/txt/b6b77c26ea19dcca0c6bc256a2b91fe310ba59a38119c35a5ed46086691ca8dc.txt b/chunks/txt/b6b77c26ea19dcca0c6bc256a2b91fe310ba59a38119c35a5ed46086691ca8dc.txt
new file mode 100644
index 0000000000000000000000000000000000000000..24d18a7037cfb2b81b63a88089dc4274a2385372
--- /dev/null
+++ b/chunks/txt/b6b77c26ea19dcca0c6bc256a2b91fe310ba59a38119c35a5ed46086691ca8dc.txt
@@ -0,0 +1,65 @@
+Heating Type
+
+Specifies the type of heating.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/HEATING[@_Ty
+pe='ForcedWarmAir']
+
+17
+
+Enumerated
+
+UAD Instruction - Refer to Appendix D Improvements Section
+A separate Heating data point should be provided for each box that is checked.
+
+Heating Type
+
+Specifies the type of heating.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/HEATING[@_Ty
+pe='HotWaterBaseboard']
+
+17
+
+Enumerated
+
+UAD Instruction - Refer to Appendix D Improvements Section
+A separate Heating data point should be provided for each box that is checked.
+
+Heating Type
+
+Specifies the type of heating.
+
+/VALUATION_RESPONSE/PROPERTY/STRUCTURE/HEATING[@_Ty
+pe='Radiant']
+
+17
+
+Enumerated
+
+UAD Instruction - Refer to Appendix D Improvements Section
+A separate Heating data point should be provided for each box that is checked.
+
+This box should not be populated if 1-152 is
+not populated. No more than one of 1-151 and
+153 should be populated.
+
+This box should not be populated if 1-152 is
+not populated. No more than one of 1-151 and
+153 should be populated.
+
+At least one of fields 1-158, 1-159, 1-160, 1-
+161 (values of Heating Type) should be
+indicated. If field 1-162 indicates 'None' then
+fields 1-158, 1-159, 1-160 should not be
+indicated
+At least one of fields 1-158, 1-159, 1-160, 1-
+161 (values of Heating Type) should be
+indicated. If field 1-162 indicates 'None' then
+fields 1-158, 1-159, 1-160 should not be
+indicated
+At least one of fields 1-158, 1-159, 1-160, 1-
+161 (values of Heating Type) should be
+indicated. If field 1-162 indicates 'None' then
+fields 1-158, 1-159, 1-160 should not be
+indicated
diff --git a/chunks/txt/b6b97fe189dd963b2ea47f91065caa5a7c4cc83aa4f031104dc41b7602fb844d.txt b/chunks/txt/b6b97fe189dd963b2ea47f91065caa5a7c4cc83aa4f031104dc41b7602fb844d.txt
new file mode 100644
index 0000000000000000000000000000000000000000..670ff50db1f80adfe4e644b9f85acdce80529b8b
--- /dev/null
+++ b/chunks/txt/b6b97fe189dd963b2ea47f91065caa5a7c4cc83aa4f031104dc41b7602fb844d.txt
@@ -0,0 +1,43 @@
+Enumeration URN Suffixes:
+
+ urn:org:MISMO:residential:2009:LDD:AttachmentType:Attached
+ urn:org:MISMO:residential:2009:LDD:AttachmentType:Detached
+
+ urn:org:MISMO:residential:2009:LDD:AttachmentType:SemiDetached
+
+Type: AttachmentTypeEnumerated
+
+Notes: The MISMO Data Type and Class Word are not necessarily the same
+
+term, but they must be consistent. For example, the Class Word for data
+points with enumerations is “Type.”
+
+IN DEPTH
+
+a. Linkages among Certain Data Point Types
+
+Certain data point types need to be used together to properly convey intended
+meaning. Sometimes, the need to use one or more data points together is indicated
+in their definitions, but this is not always the case.
+
+i. PeriodCount / PeriodType: One important relationship that must be preserved
+when using MISMO data is between data points ending in “PeriodCount” and
+“PeriodType.” If only one of either of these data points is sent, it will be
+impossible to determine the time period correctly. The data point ending in
+“PeriodCount” communicates the number of periods specified by the data point
+ending in “PeriodType.”
+
+_____________________________________________________________________________________________
+Document Version 1.1
+MISMO V3.0 and the ULDDS: User Guide
+
+Page 15 of 76
+
+Section III. Using the MISMO v3.0 Logical Data Dictionary
+
+Example III-8. Using PeriodCount and PeriodType for Loan Delivery.
+
+LoanAmortizationPeriodCount: The number of periods (as defined by the
+
+Loan Amortization Period Type) over which the scheduled loan payments
+of principal and/or interest are calculated to retire the obligation.
diff --git a/chunks/txt/b6cbbb5b2855bfe6bff7e6c3717cb525bc57b39d4b401586315c3749a25d0295.txt b/chunks/txt/b6cbbb5b2855bfe6bff7e6c3717cb525bc57b39d4b401586315c3749a25d0295.txt
new file mode 100644
index 0000000000000000000000000000000000000000..aa37c80fb7f0a049601f3732a9860873eda62adb
--- /dev/null
+++ b/chunks/txt/b6cbbb5b2855bfe6bff7e6c3717cb525bc57b39d4b401586315c3749a25d0295.txt
@@ -0,0 +1,50 @@
+If the subject property was offered For Sale by
+Owner (FSBO) or otherwise marketed for sale
+outside of MLS, the appraiser must report the
+original offering price, history of price
+changes, if any, and the date(s) the property
+was offered for sale, etc., to the extent that
+
+Page 13 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.
+
+this information is known or available to the
+appraiser in the normal course of business.
+The appraiser may report any other relevant
+information regarding the length of time that
+the subject property was offered for sale,
+including cumulative days on market, in this
+field or elsewhere in the appraisal report.
+
+Reporting Format:
+DOM – Numeric to 4 digits, whole numbers
+only or ‘Unk’ Text – Include the following three
+items:
+Offering Price(s) – Currency, whole dollars
+only Offering Date(s) – mm/dd/yyyy
+Data Source(s) Used – Abbreviated
+MLS#Listing Identifier or Text
+The PDF creator (the software that creates
+the PDF) will automatically insert a semicolon
+to separate DOM from other data values. The
+PDF creator will also insert “DOM”.
+
+Examples (if Yes):
+DOM 150;Subject property was offered for
+sale on 03/01/2010 for $200,000. The data
+source is MRIS#12345AB.
+
+DOMUnk;Subject property was listed for sale
+by owner for $200,000. The data source is a
+public source.
+
+Example (if No):
+MRIS MLS
diff --git a/chunks/txt/b6d0233d4e2ad4c572aa3bbd7386fd76e4c7a7d6cf3cc4c90f269219d4caa0f8.txt b/chunks/txt/b6d0233d4e2ad4c572aa3bbd7386fd76e4c7a7d6cf3cc4c90f269219d4caa0f8.txt
new file mode 100644
index 0000000000000000000000000000000000000000..4014979bcfa1c2a50d2b7efef9690f906a0b8726
--- /dev/null
+++ b/chunks/txt/b6d0233d4e2ad4c572aa3bbd7386fd76e4c7a7d6cf3cc4c90f269219d4caa0f8.txt
@@ -0,0 +1,81 @@
+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:
+
+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
+This field indicates the number of finished recreation rooms in the basement.
+
+1
+
+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 bedrooms in the basement.
+
+1
+
+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.
+
+3
+
+Numeric
+
+PDF Display Format:
+Full Bath Count.Half Bath Count
+n.n
+
+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
+
+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
+
+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/b6ea935d667bfab39209066a81fb5e65d498145a0cbc69029d3ecbc7f63c4183.txt b/chunks/txt/b6ea935d667bfab39209066a81fb5e65d498145a0cbc69029d3ecbc7f63c4183.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6a07c092d59463e9102ced31c55fb2d09bb11af1
--- /dev/null
+++ b/chunks/txt/b6ea935d667bfab39209066a81fb5e65d498145a0cbc69029d3ecbc7f63c4183.txt
@@ -0,0 +1,68 @@
+/VALUATION_RESPONSE/PROPERTY/SITE/FLOOD_ZONE/FLOOD_ZONE
+_EXTENSION/FLOOD_ZONE_EXTENSION_SECTION[@ExtensionSectionOr
+ganizationName='UNIFORM APPRAISAL
+DATASET']/FLOOD_ZONE_EXTENSION_SECTION_DATA/FLOOD_ZONE
+_INFORMATION/@GSENFIPFloodZoneIdentifier
+
+/VALUATION_RESPONSE/PROPERTY/SITE/FLOOD_ZONE/FLOOD_ZONE
+_EXTENSION/FLOOD_ZONE_EXTENSION_SECTION[@ExtensionSectionOr
+ganizationName='UNIFORM APPRAISAL
+DATASET']/FLOOD_ZONE_EXTENSION_SECTION_DATA/FLOOD_ZONE
+_INFORMATION/@GSEFEMAFloodMapIdentifier
+
+124
+
+PROJECT 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/@NFIPMapPan
+elDate
+
+125
+
+PROJECT SITE
+
+Are the utilities and off-site
+improvements typical for the
+market area? Yes
+
+Property Analysis
+Exists Indicator
+
+Indicates that the aspect of analysis is
+present in the property.
+
+/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='
+UtilitiesAndOffSiteImprovementsConformToNeighborhood' and
+@_ExistsIndicator='Y']
+
+126
+
+PROJECT SITE
+
+Are the utilities and off-site
+improvements typical for the
+market area? No
+
+Property Analysis
+Exists Indicator
+
+Indicates that the aspect of analysis is
+present in the property.
+
+/VALUATION_RESPONSE/PROPERTY/PROPERTY_ANALYSIS[@_Type='
+UtilitiesAndOffSiteImprovementsConformToNeighborhood' and
+@_ExistsIndicator='N']
+
+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/b6f00963c94c55c07f5c3649a2c525a943c830fb5d1af35484e1e61aae599f7f.txt b/chunks/txt/b6f00963c94c55c07f5c3649a2c525a943c830fb5d1af35484e1e61aae599f7f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..43120777b685cad8200993a738abffe431686c12
--- /dev/null
+++ b/chunks/txt/b6f00963c94c55c07f5c3649a2c525a943c830fb5d1af35484e1e61aae599f7f.txt
@@ -0,0 +1,9 @@
+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)
+
+**
+
+**
+
+/* 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/b7067dac4baa228e57e14ec9262c05131331e81067f7654f1ed4a63e368f3eaf.txt b/chunks/txt/b7067dac4baa228e57e14ec9262c05131331e81067f7654f1ed4a63e368f3eaf.txt
new file mode 100644
index 0000000000000000000000000000000000000000..67797090e22c6edaff7b592482c6ba742869d027
--- /dev/null
+++ b/chunks/txt/b7067dac4baa228e57e14ec9262c05131331e81067f7654f1ed4a63e368f3eaf.txt
@@ -0,0 +1,56 @@
+o Updates to some existing edits around Appraisal
+
+•
+
+File Validation Rule updates
+
+o New file validation rule WN3760 fires 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, WN3765, to ensure data integrity around Buydown amounts
+o Update existing file validation rules WN3380, WN3390, WN3270, and WN3280 to ensure data integrity around
+
+Servicing transfer date, Appraisal, and Buydown
+
+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, the edits listing will be updated March 4, 2024.
+
+These edits will be available in the Loan Delivery Test Environment to accommodate lender testing.
+
+For more information, see the ULDD webpage.
+
+Mar 25, 2024
+
+Edit Updates
+
+See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates
+including:
+
+Edit updates to support ULDD Phase 5, see above for details
+
+•
+• New warning edits for down payment type and amount
+
+Apr 22, 2024
+
+Edit Updates
+
+See the LD Edit Change Effective Date column in the Loan Delivery Business Rules for a listing of effective edit updates
+including:
+
+• Modify 2 Credit Score edits
+•
+
+1 new warning edit to validate CPM ID
+
+© 2023 Fannie Mae Page 5 of 10
+
+May 1, 2024
+
+Form 482 process
+updates
+
+Effective May 1, 2024, to mitigate fraud risk, Fannie Mae will be calling the authorized representative who signed the Seller’s
+Designation of Wire Transfer Instructions (Form 482) request to confirm validity prior to processing. Form 482 and the
+Selling Guide will be updated to reflect this requirement.
diff --git a/chunks/txt/b7081c5de1d9ed30be24e11875eeffc357f0db469f5b5731f9b077765a0c5f64.txt b/chunks/txt/b7081c5de1d9ed30be24e11875eeffc357f0db469f5b5731f9b077765a0c5f64.txt
new file mode 100644
index 0000000000000000000000000000000000000000..277cb5e918eecb594756237e420d2e372ff3e261
--- /dev/null
+++ b/chunks/txt/b7081c5de1d9ed30be24e11875eeffc357f0db469f5b5731f9b077765a0c5f64.txt
@@ -0,0 +1,3 @@
+Overview ................................................................................................................................................................................................................................................ 200
+
+Data Mapping and PDF Rendering Information ..................................................................................................................................................................................... 200
diff --git a/chunks/txt/b710ad85ad2aa65e72d13ebcec445b7dcdacc6e87daa34bebb35b2c93063938e.txt b/chunks/txt/b710ad85ad2aa65e72d13ebcec445b7dcdacc6e87daa34bebb35b2c93063938e.txt
new file mode 100644
index 0000000000000000000000000000000000000000..2525e0b1632c5a71e35307f898ac03d02a528597
--- /dev/null
+++ b/chunks/txt/b710ad85ad2aa65e72d13ebcec445b7dcdacc6e87daa34bebb35b2c93063938e.txt
@@ -0,0 +1,9 @@
+**Home Equity Conversion Mortgage (HECM)/Reverse Mortgage Fraud** – Fraudsters taking advantage of HECM reverse mortgages contact seniors through local churches; investment seminars; television, radio, billboard, and mailer advertisements; and by other means. Fraudsters obtain a HECM in the name of an older homeowner to convert existing home equity into cash. The fraudster will pay a small fee to the homeowner or simply keep the resulting cash outright.
+
+**Loan Modification Fraud** – Fraudsters purport to assist homeowners who are delinquent in their mortgage payments and at risk of losing their home. The fraudster often offers to renegotiate loan terms with the lender. The scammers demand large fees up front and often negotiate unfavorable terms for the clients, if they negotiate at all. Homeowners often lose their homes.
+
+**Sovereign Citizen Fraud** – Sovereign citizens schemes often promote the elimination of mortgage debt based on conspiracy theories about the validity of mortgages and disbelief in the U.S. financial system. Sovereign citizen fraud also appears in instances of quitclaim deed and foreclosure assistance fraud to unlawfully acquire or maintain ownership of homes.
+
+#### Investor Mortgage Fraud (fraud committed by individuals purporting to secure mortgages on investment properties)
+
+**Straw Buyer** – Straw buyers are used to conceal fraudulent activities. A straw buyer falsely appears as the mortgage applicant and purchaser although they are acting on behalf of another person. A straw buyer with good credit may be used to obtain a loan for someone whose credit may be disqualifying or may be a participant in collusive mortgage fraud (e.g., flipping or other profit schemes).
diff --git a/chunks/txt/b713f2e78746f2e5960485d8f2ff76d23a8729f3fc7aac676290413b74e662b5.txt b/chunks/txt/b713f2e78746f2e5960485d8f2ff76d23a8729f3fc7aac676290413b74e662b5.txt
new file mode 100644
index 0000000000000000000000000000000000000000..92981de4d12b308ea9c1cffb5dc5a55cd1f54d00
--- /dev/null
+++ b/chunks/txt/b713f2e78746f2e5960485d8f2ff76d23a8729f3fc7aac676290413b74e662b5.txt
@@ -0,0 +1,38 @@
+UAD 3.6 Policy
+
+© 2025 Fannie Mae December 2025 Page 60 of 166
+
+UAD 3.6 Policy
+
+SB4-1.2-03, Hybrid Appraisals (12/10/2025)
+
+Introduction
+
+This topic contains information on hybrid appraisals, including:
+
+• Overview
+• Completing the Hybrid Appraisal
+•
+Eligible Transactions
+•
+Ineligible Transactions
+•
+Exercising Hybrid Appraisals
+• Representations and Warranties
+
+Overview
+
+For certain loan casefiles, DU offers hybrid appraisals. A hybrid appraisal reported on the Uniform Residential Appraisal Report is
+permitted for certain transactions. As with all other appraisals, it must conform to SB4-1.1-04, Unacceptable Appraisal Practices.
+The minimum scope of work for a hybrid appraisal includes using a recent interior and exterior property data collection in lieu of
+the appraiser performing an on-site inspection. The appraiser relies on the data collected (and other sources if needed) to identify
+property characteristics, including condition. The property data collection must comply with the Uniform Property Dataset and
+be delivered to the Fannie Mae Property Data API. See SB4-1.4-11, Value Acceptance + Property Data, for property data collection
+and property data collector requirements.
+
+Completing the Hybrid Appraisal
+
+Property data collection and the appraisal report are separate assignments and may be performed by different people. If the
+appraiser does not perform the data collection, the lender must share the property data collection with the appraiser at the time
+of engagement. The appraiser will use the data along with other third-party sources to develop the appraisal. The effective date of
+the hybrid appraisal is the date the appraiser arrives at their opinion of value.
diff --git a/chunks/txt/b714b749115857368b6cc5cc11b6a2a271a46e327be1916f67df3d5d8f3471c0.txt b/chunks/txt/b714b749115857368b6cc5cc11b6a2a271a46e327be1916f67df3d5d8f3471c0.txt
new file mode 100644
index 0000000000000000000000000000000000000000..b6dcbcabb1a4c6a6550bf415fd632a9b6608d50e
--- /dev/null
+++ b/chunks/txt/b714b749115857368b6cc5cc11b6a2a271a46e327be1916f67df3d5d8f3471c0.txt
@@ -0,0 +1,162 @@
+22.07.10
+22.07.34
+
+Unfinished
+Area Above
+Grade
+
+If relevant
+
+Required when the
+row is included in the
+sales comparison grid
+
+Number of square
+feet
+
+Unit Interior
+•
+
+Above Grade
+Unfinished Area
+10.005
+
+Yes
+22.07.35
+
+Notes:
+•
+•
+
+Can be 0.
+If the exact area is not known for the comparable, indicate that it is
+estimated in Reconciliation of Sales Comparison Approach
+(22.16.01).
+
+Appendix F-1: URAR Reference Guide
+
+Page 248 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: Unit(s)
+
+22.07.11
+22.07.36
+
+Finished Area
+Below Grade
+
+Always
+
+Always required
+
+Number of square
+feet
+
+22.07.12
+22.07.38
+
+Finished Area
+Below Grade
+(Nonstandard)
+
+If relevant
+
+Required when the
+row is included in the
+sales comparison grid
+
+Number of square
+feet
+
+22.07.13
+22.07.40
+
+Unfinished
+Area Below
+Grade
+
+If relevant
+
+Required when the
+row is included in the
+sales comparison grid
+
+Number of square
+feet
+
+Unit Interior
+•
+
+Below Grade
+Finished Area
+10.006
+
+Unit Interior
+•
+
+Below Grade
+Finished Area
+(Nonstandard)
+10.007
+
+Unit Interior
+•
+
+Below Grade
+Unfinished Area
+10.008
+
+Yes
+22.07.37
+
+Yes
+22.07.39
+
+Yes
+22.07.41
+
+Notes:
+•
+•
+
+Can be 0.
+If the exact area is not known for the comparable, indicate that it is
+estimated in Reconciliation of Sales Comparison Approach
+(22.16.01).
+
+Notes:
+•
+•
+
+Can be 0.
+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/b715f2997c542799322385b7be00c0253b5c9cbf5a0b1cff9b365def0345b124.txt b/chunks/txt/b715f2997c542799322385b7be00c0253b5c9cbf5a0b1cff9b365def0345b124.txt
new file mode 100644
index 0000000000000000000000000000000000000000..27a0e5714f9edd23171638aa561fff3423c814bb
--- /dev/null
+++ b/chunks/txt/b715f2997c542799322385b7be00c0253b5c9cbf5a0b1cff9b365def0345b124.txt
@@ -0,0 +1,123 @@
+Whole House Water Treatment
+
+Apparent Defects, Damages, Deficiencies (Dwelling Exterior)
+
+None
+
+Dwelling Exterior Commentary
+
+The exterior was recently painted, and new windows, doors, and shutters were installed. The roof was replaced within the past 5 years.
+
+Unit Interior - Primary Dwelling
+
+Area Breakdown
+
+Finished Above Grade
+Unfinished Above Grade
+Finished Below Grade
+Unfinished Below Grade
+
+Area Data Source
+
+3,304 Sq. Ft.
+0 Sq. Ft.
+1,344 Sq. Ft.
+616 Sq. Ft.
+Assessor Record
+MLS
+Physical Measurement
+
+Below Grade Finish Compared
+to Above
+
+Similar
+
+ADU
+
+Level and Room Detail
+
+Level in Unit
+Level B1
+
+Grade Level Detail
+Below Grade
+Interior and Exterior Access
+Walk Out
+
+Level 1
+
+Above Grade
+
+Yes No
+ 
+
+Finish
+Finished
+
+Unfinished
+
+Finished
+
+Levels in Unit
+Occupancy
+Utilities Separately Metered
+Total Bedrooms
+Total Bathrooms - Full
+Total Bathrooms - Half
+
+3
+Vacant
+No
+5
+3
+1
+
+Area
+1,344 Sq. Ft.
+
+616 Sq. Ft.
+
+1,960 Sq. Ft.
+
+Room Summary
+1 - Bath - Full
+2 - Den
+1 - Family Room
+
+1 - Bath - Half
+1 - Bedroom
+1 - Dining Room
+1 - Family Room
+1 - Kitchen
+1 - Living Room
+
+2 - Bath - Full
+4 - Bedroom
+
+Level 2
+
+Above Grade
+
+Finished
+
+1,344 Sq. Ft.
+
+Quality and Condition
+
+Interior Quality Rating
+
+Q4
+
+Interior Condition Rating
+
+C4
+
+The tables below support the Interior Quality and Condition ratings and reflect the market value condition of this report
+
+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 8 of 23
+
+Unit Interior - Primary Dwelling (continued)
diff --git a/chunks/txt/b71901d9055d8bc67814fbf92a45da355ad1b138620ec1e1c229009cd53dc5b1.txt b/chunks/txt/b71901d9055d8bc67814fbf92a45da355ad1b138620ec1e1c229009cd53dc5b1.txt
new file mode 100644
index 0000000000000000000000000000000000000000..f1d097898a2097578979e9448db96c6eea1e3a9e
--- /dev/null
+++ b/chunks/txt/b71901d9055d8bc67814fbf92a45da355ad1b138620ec1e1c229009cd53dc5b1.txt
@@ -0,0 +1,13 @@
+- [Open for Comment](/quicktabs/nojs/discussion_topics/0)
+- [All Topics](/quicktabs/nojs/discussion_topics/1)
+Category - Any - Duty to Serve General
+
+Items per page 5 10 25 50
+
+There are no topics available for comments at this time
+
+Category - Any - Duty to Serve General
+
+Items per page 5 10 25 50
+
+[DateSort ascending](?items_per_page=10&order=field_dt_date&sort=asc) [Topics](?items_per_page=10&order=title&sort=desc) [Number of Comments](?items_per_page=10&order=comment_count&sort=desc) Comment Status Comments 10/15/2025 [FHFA's Strategic Plan: Fiscal Years 2026-2030](/public-input/fhfa-strategic-plan-fiscal-years-2026-2030) 0 Closed 06/20/2024 [FHLBank Affordable Housing Program Competitive Application Process](/public-input/fhlbank-affordable-housing-program-competitive-application-process) 94 Closed [Read Comments](/node/33986) 06/11/2024 [RFI on Proposed 2025-2027 DTS Plans](/public-input/rfi-on-proposed-2025-2027-dts-plans) 43 Closed [Read Comments](/node/33951) 05/16/2024 [FHLBank Mission](/public-input/fhlbank-mission) 234 Closed [Read Comments](/node/33846) 11/06/2023 [2023 DTS Proposed Modifications RFI](/public-input/2023-dts-proposed-modifications-rfi) 15 Closed [Read Comments](/node/33756) 07/16/2023 [2023 Duty to Serve Listening Sessions](/public-input/2023-duty-to-serve-listening-sessions) 40 Closed [Read Comments](/node/16766) 07/06/2023 [Duty to Serve Modification Request - Fannie Mae Spring 2023](/public-input/duty-to-serve-modification-request-fannie-mae-spring-2023) 25 Closed [Read Comments](/node/16761) 05/30/2023 [Tenant Protections](/public-input/tenant-protections) 3,533 Closed [Read Comments](/node/16801) 05/15/2023 [Enterprises’ Single-Family Mortgage Pricing Framework](/public-input/enterprises-single-family-mortgage-pricing-framework) 172 Closed [Read Comments](/node/16751) 03/02/2023 [Social Bonds](/public-input/social-bonds) 126 Closed [Read Comments](/node/16746)
diff --git a/chunks/txt/b71d9a64142b6217c54fd3df0a6bf1024330b389180f6d5675ec4de215d2a939.txt b/chunks/txt/b71d9a64142b6217c54fd3df0a6bf1024330b389180f6d5675ec4de215d2a939.txt
new file mode 100644
index 0000000000000000000000000000000000000000..edabbf1eb3b4a19107d544f50b93d671408f1382
--- /dev/null
+++ b/chunks/txt/b71d9a64142b6217c54fd3df0a6bf1024330b389180f6d5675ec4de215d2a939.txt
@@ -0,0 +1,49 @@
+Loan Metadata
+The Loan Metadata section captures the overall loan-level documentation and provides a consolidated view of all
+appraisal report file submission results under a single Document File ID.
+
+Loan Metadata
+
+Document File ID
+
+Appraisal [1,2,3] – Appraisal Report (URAR)
+
+Update or Completion Report
+
+Update or Completion Report
+
+Document File Status
+
+The Loan Metadata section highlights the Document File Status, the overall status of each submission under the Document
+File ID. 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."
+
+To achieve a “Successful” SSR for loan delivery, all fatal findings must be resolved. Resolving a fatal finding may require
+updating the underlying data and resubmitting a corrected appraisal report file.
+
+Loan Metadata
+
+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.
+
+The Loan Metadata fields, listed below, include two Freddie Mac-specific data elements that appear in a third row only in
+the Freddie Mac version of the UAD 3.6 SSR:
+
+Data Fields Specific to the Loan Metadata
+
+Field Name
+
+Definition / Description
+
+Document File Status
+
+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."
diff --git a/chunks/txt/b722ee05348e2f7d87b2fd070f99f288d75d07f76af967a2e6bd982f01f34e4f.txt b/chunks/txt/b722ee05348e2f7d87b2fd070f99f288d75d07f76af967a2e6bd982f01f34e4f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..c148880e91379911d20cdc8e3b86f74b7de404f7
--- /dev/null
+++ b/chunks/txt/b722ee05348e2f7d87b2fd070f99f288d75d07f76af967a2e6bd982f01f34e4f.txt
@@ -0,0 +1,105 @@
+I
+N
+C
+O
+M
+E
+
+R
+E
+C
+O
+N
+C
+I
+L
+I
+A
+T
+I
+O
+N
+
+Total Bdrms. Baths Total Bdrms. Baths
+
+Total Bdrms. Baths
+
+Total Bdrms. Baths
+
+sq. ft.
+
+sq. ft.
+
+sq. ft.
+
+sq. ft.
+
+Net Adjustment (Total)
+Adjusted Sale Price
+of Comparables
+Summary of Sales Comparison Approach
+
+-
+
++
+Net Adj. %
+Gross Adj. %
+
+$
+
+$
+
+-
+
++
+Net Adj. %
+Gross Adj. %
+
+$
+
+$
+
+-
+
++
+Net Adj. %
+Gross Adj. %
+
+$
+
+$
+
+Indicated Value by Sales Comparison Approach $
+
+Estimated Monthly Market Rent $
+Summary of Income Approach (including support for market rent and GRM)
+
+X Gross Rent Multiplier = $
+
+Indicated Value by Income Approach
+
+INCOME APPROACH TO VALUE (not required by Fannie Mae)
+
+Indicated Value by: Sales Comparison Approach $
+
+Income Approach (if developed) $
+
+Appraisal Assignment type: l Subject Property Data Collection Date:
+Subject Property Data Collection Method: I Subject Property Data Collection Workforce:
+This appraisal is made
+completed,
+the following required inspection based on the extraordinary assumption that the condition or deficiency does not require alteration or repair:
+
+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 completion per plans and specifications on the basis of a hypothetical condition that the improvements have been
+
+“as is”,
+
+subject to
+
+Based on the 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
+$
+
+, the effective date of this appraisal.
diff --git a/chunks/txt/b72561a83b51650a3ee3724dbd94445c7e52b62713b74368e6f26afe8fb06ed6.txt b/chunks/txt/b72561a83b51650a3ee3724dbd94445c7e52b62713b74368e6f26afe8fb06ed6.txt
new file mode 100644
index 0000000000000000000000000000000000000000..6adc6efee5d3bd3878795c15959bbfa673890c56
--- /dev/null
+++ b/chunks/txt/b72561a83b51650a3ee3724dbd94445c7e52b62713b74368e6f26afe8fb06ed6.txt
@@ -0,0 +1,61 @@
+If scheduled variations in regular periodic payment amounts that are not caused by changes to the interest rate
+will occur during the loan term, the loan has Step Payments (aka a Graduated Payment Mortgage or GPM). For
+example: 30-year Fixed | 4-year Step Payment Period | Payment increases by $275.00 each year on anniversary
+of note date | Note Date = 1/1/2015 | P&I Payment = $2,350 after Step Payment Period ends.
+
+Adjustable Payment (AP) Table
+
+19.0 if yes:
+
+Step Payments?
+
+19.3YES
+
+19.3.1 For your first 48 payments
+
+19.5 Monthly Principal and Interest Payments
+
+First Change / Amount 19.6 $1,525 at 13th payment
+
+Subsequent Changes
+
+19.7 Every year for three ye ars
+
+Maximum Payment
+
+19.8 $2,350.00 starting at 49th payment
+
+Figure 124. Step Payment Loan
+
+For the AP Table, “YES” is provided in answer to the question Step Payments? in row 19.3, along with the
+number of payments for which the Step Payment feature is in effect, counting from the first periodic payment
+due after consummation that the feature is in effect. 19.7 provides additional information (not shown in the
+Loan Terms table) about subsequent changes to the P&I payment after the first yearly increase.
+
+1. LOAN TERMS TABLE FOR STEP PAYMENT LOAN
+
+As shown in the figure below, the Loan Terms table provides information about the Step Payment feature that is
+presented again in the AP Table.
+
+Appendix E: UCD Implementation Guide
+
+Page 203 of 254
+
+Version 1.4
+
+Uniform Closing Dataset
+
+19.0 Adjustable Payment (AP) Table
+
+Loan Terms
+
+4.0 Initial P&I
+
+Increase?
+
+Description
+
+4.3 Monthly Principal & Interest
+
+See Projected Payments below for your
+Estimated Total Monthly Payment
diff --git a/chunks/txt/b7338f262ac010ea93c32f1fb1cb52a3cbaabfd25695337184b3d1192df3db82.txt b/chunks/txt/b7338f262ac010ea93c32f1fb1cb52a3cbaabfd25695337184b3d1192df3db82.txt
new file mode 100644
index 0000000000000000000000000000000000000000..0680342d8c439e9a5c47b3a79d1f592885265fee
--- /dev/null
+++ b/chunks/txt/b7338f262ac010ea93c32f1fb1cb52a3cbaabfd25695337184b3d1192df3db82.txt
@@ -0,0 +1,102 @@
+Dollar amount
+
+Ground Rent Annual Amount
+
+18.021 Expires
+
+18.022 Description of
+Ground Rent
+
+Rent is Yes
+
+Required if Ground
+Rent is Yes
+
+mm/yyyy
+
+Ground Rent Expires: The month and year when the project ground rent expires
+as per the lease.
+
+If applicable
+
+Free-form
+
+Commentary could include information pertinent to the ground rent that is not
+captured in the discrete data above, or additional details to support the
+discrete data that is provided.
+
+Appendix F-1: URAR Reference Guide
+
+Page 188 of 375
+
+Version 1.3
+
+Uniform Appraisal Dataset
+
+18 Project Information
+
+Cooperative Information
+
+Share Counts and Proprietary Lease Expiration
+
+Cooperative Information: Share Counts and Proprietary Lease Expiration
+
+Report
+Field ID
+
+18.023
+
+Report Label
+
+When to Include
+
+Shares Issued
+and Outstanding
+
+Required if the
+property is in a
+cooperative or condop
+
+18.024
+
+Shares
+Attributable to
+Subject Property
+
+Required if the
+property is in a
+cooperative or condop
+
+Allowable
+Answers / Format
+
+Number
+
+Definition / Additional Guidance
+
+The number of shares currently held by all the shareholders. Includes shares
+held by all project unit owners and by the sponsor and / or developer.
+
+Number
+
+The number of cooperative shares associated with the subject property.
+
+18.025 Proprietary
+
+Lease Expires
+
+Required if the
+property is in a
+cooperative or condop
+
+mm/yyyy
+
+The expiration date of the lease agreement that gives a shareholder the right to
+occupy a dwelling unit.
+
+Cooperative Project Blanket Financing
+
+Cooperative corporations typically finance the development and upkeep of the project by obtaining one or more
+“blanket” mortgages or lines of credit. If the property is in a cooperative or a condop, the appraiser must report
+on project blanket financing. The Project Blanket Financing subsection includes overall information and
+information about each lien.
diff --git a/chunks/txt/b7357093d318840c0df588216194381dffbf3cae1ced1e64f588db67b9672749.txt b/chunks/txt/b7357093d318840c0df588216194381dffbf3cae1ced1e64f588db67b9672749.txt
new file mode 100644
index 0000000000000000000000000000000000000000..1a515fdc3f2885e9b267d725285d7f9632dadd40
--- /dev/null
+++ b/chunks/txt/b7357093d318840c0df588216194381dffbf3cae1ced1e64f588db67b9672749.txt
@@ -0,0 +1,153 @@
+SubjectPriorSalesAndTransferHistory
+
+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.
+
+OverallQualityAndCondition
+
+The building is a standard building plan with standard grade building materials.
+
+false
+
+Utilize this subsection for additional commentary as required by USPAP.
+
+AsIs
+
+2019-09-25
+
+45
+
+ReasonableExposureTime
+
+445000
+
+false
+
+2222-55HG
+
+false
+
+true
+
+AmericanNationalStandardsInstitute
+
+false
+
+false
+
+true
+
+URAR Delivery Specification v1.3
+
+InteriorAndExterior
+
+MYAPP
+
+Some Appraisal Creator
+
+11.2.4
+
+Nowhere Technologies
+
+XYZ Lending Inc.
+
+239 Spooky St
+
+Anytown
+
+20141
+
+VA
+
+Lender
+
+Client
+
+Annie
+
+Appraiser
+
+123 Diagonal St
+
+Anytown
+
+20141
+
+VA
+
+Overall Appraisal Services
+
+LicensedResidentialAppraiser
+
+2020-01-31
+
+9898989898-000034
+
+VA
+
+Appraiser
+
+AppraisalFee
+
+0
+
+Arthur
+
+Appraiser
+
+123 Diagonal St
+
+Anytown
+
+20141
+
+VA
+
+Overall Appraisal Services
+
+CertifiedResidential
+
+2020-02-28
+
+9898989898-000299
+
+VA
+
+AppraiserSupervisor
+
+Harry
+
+James
+
+Borrower
+
+PropertyOwner
+
+Jennifer
+
+James
+
+Borrower
+
+Jennifer
+
+Jones
+
+PropertyOwner
+
+Valuation
+
+2019-09-25
+
+2019-09-25
+
+\\MH1_Appraisal_v1.3.pdf
+
+application/pdf
+
+3
+
+AppraisalReport
+
+FNM_FRE
+
+September 2024
diff --git a/chunks/txt/b73eab5114fd7a1343e08b0107537c67c5a58d5bf440e936786ea18668fba496.txt b/chunks/txt/b73eab5114fd7a1343e08b0107537c67c5a58d5bf440e936786ea18668fba496.txt
new file mode 100644
index 0000000000000000000000000000000000000000..45841b9df2c3a7180b02936ec23197ddc8b355ed
--- /dev/null
+++ b/chunks/txt/b73eab5114fd7a1343e08b0107537c67c5a58d5bf440e936786ea18668fba496.txt
@@ -0,0 +1,81 @@
+Numeric
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+R
+
+R
+
+R
+
+PDF Display Format:
+Square footage, numeric, to 5-digits: 12345
+
+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.
+
+Numeric
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+
+PDF Display Format:
+Square footage, numeric, to 5-digits: 12345
+
+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:
+
+436
+
+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/@GSEBasementExitType
+
+437
+
+3
+
+95
+
+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
diff --git a/chunks/txt/b742d708b56421029bf696d57a7ba331df76a22f4c31ef768a74f48f34183d87.txt b/chunks/txt/b742d708b56421029bf696d57a7ba331df76a22f4c31ef768a74f48f34183d87.txt
new file mode 100644
index 0000000000000000000000000000000000000000..84144307563dbc29a23876f19f7be5e57bc965e3
--- /dev/null
+++ b/chunks/txt/b742d708b56421029bf696d57a7ba331df76a22f4c31ef768a74f48f34183d87.txt
@@ -0,0 +1,191 @@
+2 20000001 1 1.0 1 0
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+2 20000004 1 1.0 4 0
+2 20000004 1 7.0 4 0
+2 20000004 1 1.0 4 0
+2 20000004 1 1.0 4 0
+2 20000004 1 3.0 4 0
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+2 20000004 1 2.0 4 0
+2 20000004 1 2.0 4 0
+2 20000004 1 1.0 4 0
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+2 20000004 1 1.0 4 0
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+2 20000004
diff --git a/chunks/txt/b752e6c479f9c7858fd97dfb59056cd3ce83728ed2b8d58bd95acfb4e1988e6f.txt b/chunks/txt/b752e6c479f9c7858fd97dfb59056cd3ce83728ed2b8d58bd95acfb4e1988e6f.txt
new file mode 100644
index 0000000000000000000000000000000000000000..e11fae191655c22156110600450921f367d40c65
--- /dev/null
+++ b/chunks/txt/b752e6c479f9c7858fd97dfb59056cd3ce83728ed2b8d58bd95acfb4e1988e6f.txt
@@ -0,0 +1,88 @@
+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']/@_Comment
+
+92
+
+1
+
+e-5
+
+SITE
+
+View
+
+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
+
+30
+
+String
+
+This is a free text field which should contain a description of the shape of the parcel.
+
+UAD Requirement - Refer to Appendix D Site 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 for the subject property and must
+be represented consistently.
+
+Refer to Appendix E for PDF Rendering and Parsing Instructions.
+UAD Requirement - Refer to Appendix D Site 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
+
+T
+
+R
+
+93
+
+1
+
+e-6
+
+SITE
+
+View
+
+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[@_SequenceIdentifier='1..2']/@G
+SEViewType
diff --git a/chunks/txt/b7551d35759f1ba4b119562cab0a0ed14c360d348f8ee4335d7cbbf1970c5443.txt b/chunks/txt/b7551d35759f1ba4b119562cab0a0ed14c360d348f8ee4335d7cbbf1970c5443.txt
new file mode 100644
index 0000000000000000000000000000000000000000..73ba6996fc3e0d6678f51e5bdfacc019917f5dc5
--- /dev/null
+++ b/chunks/txt/b7551d35759f1ba4b119562cab0a0ed14c360d348f8ee4335d7cbbf1970c5443.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 Data](/data)
+ - [Dashboards](/data/dashboard)
+ - Borrower Assistance Map
+
+# Borrower Assistance Map
+
+[![Fannie Mae and Freddie Mac State Borrower Assistance Map through March 31, 2023 ](https://public.tableau.com/static/images/Bo/BorrowerAssistMap/BorrowerAssistanceMap/1_rss.png)](https://www.fhfa.gov/)
diff --git a/chunks/txt/b7751be90bdd4313ca12620ec2cda972d29871a733a6f7b1058590252c9a0222.txt b/chunks/txt/b7751be90bdd4313ca12620ec2cda972d29871a733a6f7b1058590252c9a0222.txt
new file mode 100644
index 0000000000000000000000000000000000000000..9311ce8a15885ec44c56f91a5967a787a6a505a1
--- /dev/null
+++ b/chunks/txt/b7751be90bdd4313ca12620ec2cda972d29871a733a6f7b1058590252c9a0222.txt
@@ -0,0 +1,9 @@
+Addition of Valid Values for Taxes and Other Government Fees .......................................................... 7
+
+Overview ......................................................................................................................................... 7
+
+Requirement .................................................................................................................................... 7
+
+Impact on Phase 3 Critical Edits for Taxes and Other Government Fees ........................................ 8
+
+Critical Edit Impacts on the UCD Specification v1.5 ................................................................................. 9
diff --git a/chunks/txt/b79c9e14eba01554f88035b10a45b8ad43fa4e4489e15cd00ac695d9fe36a134.txt b/chunks/txt/b79c9e14eba01554f88035b10a45b8ad43fa4e4489e15cd00ac695d9fe36a134.txt
new file mode 100644
index 0000000000000000000000000000000000000000..76be16e31fa0d546d7e7b5051022e638cda7fe82
--- /dev/null
+++ b/chunks/txt/b79c9e14eba01554f88035b10a45b8ad43fa4e4489e15cd00ac695d9fe36a134.txt
@@ -0,0 +1,3 @@
+Data Mapping and PDF Rendering ........................................................................................................................................................................................... 47
+
+Intended Use ................................................................................................................................................................................................................ 47